Deriving benefit from the bank

Q: A person chooses to deposit his additional cash in the bank for safe keeping due to safety concerns. He has no intention of loaning these funds to the bank. Will these funds still be treated as a loan to the bank if he has no intention of loaning it to the bank at the time of depositing?

How will one called on the day of Qiyamah?

Q: When we ask ulama the following question: "How will be called on the day of Qiyamah?" In the reply, there may be any of three answers:

  1. By mother's name [as mostly people say].
  2. By father's name except Hadhrat 'Isa (alaihis salaam). [I read it in Ahsanul Fataawa vol. 9 Pg.29]
  3. Some people will be called by their mothers' name and some will be called by fathers' name. [An Alim told me it is written in the footnotes of Abu Dawood 320]

​Please tell me the most correct opinion on this subject matter.