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Updated: May 20, 2025
When, however, the fish for any reason failed and a famine was threatened, every depositor or, more strictly speaking, tax-payer was allowed to borrow from the bank enough fish to supply his immediate wants, upon condition of returning the same on the following summer, together with the regular annual payment of ten per cent.
Then the cloak-room, that refuge of temporary sojourn, where his baggage remains in the porter's charge till it is put back into the train, who will contend that our parcels' windows, with their high counters fencing the depositor from the grim youths standing like receiving and paying tellers within, compare with the English cloak-room?
A book for every Man of Business, for the Bank Officer and Clerk; for the Bank Stockholder and Depositor; and, especially for the Merchant and his Cash Manager; also for the Lawyer, who will here find the exact Responsibilities that exist between the different officers of Banks and the Clerks, and between them and the Dealers.
Every well-regulated bank now uses a machine for punching or perforating a series of small holes in the check, so that any increase or decrease of the number of letters written is immediately detected. Many banks have been swindled in the following manner: A check, say for ten dollars, is obtained from a depositor of a bank, and a blank check exactly like the filled-in check is secured.
The wedding of John Barclay and Jane Mason occurred in September, 1873, two days after he had stood on the high stone steps of the Exchange National Bank and made a speech to the crowd, telling them he was the largest depositor in the bank, and begging them to stop the run.
A drunkard one night came to the bank, and flinging down a shilling for a start, said, "There! that is the price of six pints of beer; but I promise the landlords that they shan't have as much of my money as they have had." This man has become sober; and continues a regular depositor.
A large depositor ought to be able to ascertain who really are the persons that dispose of his money; and still more a large shareholder ought not to rest till he knows who it is that makes engagements on his behalf, and who it is that may ruin him if they choose.
When the fortunate depositor has reached the limit with one savings bank, there is no law to prevent his opening another account with another, or with any number of similar banks. Remember the savings banks are not meant for capitalists, but for small depositors.
He leaped up, strode around to her and put out his arms, and she rushed into the embrace he offered. But their mutual consolations were denied them he was obliged to dam back his choking speech and she her blessed tears. A depositor came stamping in. They were calm, with their customary check on emotions, when they were free to talk after the man had gone away.
Seeing this, I retained my small hold upon the concern with fresh tenacity; for who knew but some day, when the directors also had gone on a picnic, the senior depositor might take his turn at the helm?
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