While Joel Test is good in general, for a bank some of these requirements aren't relevant or advisable. The author gives a reasonable argument for why #3 isn't

While Joel Test is good in general, for a bank some of these requirements aren't relevant or advisable. The author gives a reasonable argument for why #3 isn't applicable here. Rule #2 seem to yield no flexibility with regards to testing and deployment processes. Certainly having a single-step build and deploy to a development server (and subsequent single-step deployment to a production server) should be acceptable. In particular, this strategy ensures that a development system has been tested before going live.