Whether to Use "That" or "Which"
We don’t know if the writer is trying to use which restrictively to tell us that out of the universe of Pioneer Banks, this one has a free ATM; or if the writer just forgot the comma and means there’s only one Pioneer Bank, it has a free ATM, and, oh, by the way, it sits at Fifth and Pine. Either could be correct, but the writer needs to let us know.
Here’s the takeaway: Although Hemingway often used which restrictively, we shouldn't; whenever we want to "restrict" or "distinguish," we should always use that; if we put which at the beginning of a relative clause, we must precede it with a comma. Otherwise, we confuse our reader.
Sorry to keep you hanging. The case in Chicago settled. Smart lawyers. The thought of trying to explain the difference between that and which to a jury (or a judge) was so daunting, they decided to give-a-little-take-a-little, and go on to other cases with easier issues: like trying to explain the Rule Against Perpetuities.