38. I know that this is totally wrong, but ... (8 + 22 + 5 + 22 + 13) mod 21 = 70 mod 21 = 7 mod 21, and (7 + 4 + 12) mod 21 = 2 mod 21, so if that's not a total coincidence then you could write 10 as any number with remainder 10 when divided by 21 ... so for example (8-12-6-22-5-22-19) = 10 mod 21. My only other idea is that it is the # of digits - 1, in which case the number I gave would still work. As I said before, it's definitely wrong.
For the bank one, are the words restricted to 5 letters, or could it have repeated letters, like the word teller is composed of only 5 letters, but is 6 characters...