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Updated: May 20, 2025
We were all surprisingly vivid it felt, somehow, as though we were being photographed by flash-light... It was the best sitting we'd ever had but unfortunately it didn't last more than ten minutes. It was Vard's secretary who interrupted us a slinking chap called Cornley, who burst in, as white as sweetbread, with the face of a depositor who hears his bank has stopped payment.
The fact suggests the idea that, if facilities were afforded, the labourer would become a considerable depositor of pennies. The Post-office Savings Banks have done much good, the drawback is that the offices are often too distant from the labourer. There is an office in the village, but not half the population live in the village.
When these conditions are complied with, the depositor receives a memorandum book, known as a "deposit book", in which, with his name and date, is written the amount of his first deposit. The deposit book must be carefully guarded, for without its presentation at the savings bank money cannot be drawn. You cannot check against your savings bank account, as with a commercial bank.
"Now your book thank you And Jack" this over the hat of the depositor, his face a marvel of delight "come to my rooms at four wait for me I'll be there." Out again and around the block; anything to kill time until the precious hour should arrive. Lord! how the minutes dragged. The hands of the old clock of Trinity spire must be stuck together.
And since then he had looked for Rowan in vain; he had waited for him of mornings at his office, had searched for him on the streets, scanning all young men on horseback or in buggies; had tried to find him in the library, at the livery stable, at the bank where he was a depositor and director.
He knows all about pretty nearly every man whose note is presented for discount, and, if he does not know at once, he can generally find out in an hour. I believe he could tell us the name of the grandmother of almost every prominent depositor if we wished to know, and how every man got his money." "Is he rich?" "Well, nobody seems to know for certain.
This is problematical, but certainly a skillful bank-teller can hardly be deceived by the forgery of a name of a well-known depositor. A banker and business man should accustom himself to scrutinize closely the signatures of those with whom he deals.
The bank president signed with trembling fingers, got a piece of paper which entitled him to the privilege of entertaining a thousand dollars for six months at his own expense, and withdrew. Then the depositor, smiling to himself and rubbing his hands, said: "Aha! I'll teach these fellows to know their places!"
On making a representation of this fact to his excellency Sir George Gipps, he communicated with the banks through the Colonial Secretary, and they consented to receive small remittances from labouring people, if I personally accompanied the depositor; but, with my other engagements, it was impossible for me to spare many hours in the week to introducing shepherds and stockmen, with their L.5 or L.10, to the cashiers of the banks.
The depositor can provide his own check book, and have it printed in any color he pleases, with the name of himself and business on the margin. The bank, however, will supply loose bank checks of its own, or it may provide them in book form, with stubs, or a space on which the number, amount and purpose of the check may be noted for the drawer's information.
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