The dealer hits on totals of two or less. The following chart will sort this out but assume that the banker is standing if he does not hit. These groupings are based on the value of the player's third card. There are five hand groupings for looking at when the banker hits after the player has hit. That's what we're going to flesh out now.

If the player hits, the banker's hit is determined by a sophisticated Baccarat rules chart. If the player stands, the banker must also hit if he has a total of five or fewer. If the player's total is five or fewer, he or she hits. It begins by examining the player's total.

However, things become a little more tricky after that.

The first thing to note on any Baccarat rules chart of this type is that any hand with a score of eight or nine terminates the game immediately, and a winner is selected. The essential rules to remember are how the two hands are dealt and what causes them to be struck (or not).