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Updated: May 1, 2025
Bruce had just gone into the ladies' department, I think to ask some of them to stand by the firm he was an artist at smoothing over the fears of customers, particularly women. Just before he went in I had seen the ladies go in a group toward the far end of the room to look down at the line of depositors on the street, which reached around the corner from one of the trust companies, I thought.
At midnight he drove into the Ridge with the money, and the bank opened in the morning at seven o'clock instead of nine, so that a crowd might not gather, and depositors who came, saw back of Barclay a great heap of silver dollars, flanked by all the gold and greenbacks in the vault, and when a man asked for his money he got it in silver, and when Oscar Fernald presented a check for over three thousand dollars, Barclay paid it out in silver, and in the spirit of fun, Sheriff Jake Dolan, who heard of the counting and recounting of the money while it was going on, brought in a wheelbarrow and Oscar wheeled his money to his hotel, while every loafer in town followed him.
He observed a scrupulous honesty in all these dealings, with the result that the bank manager came to regard him as a valuable and trustworthy servant, and said as much to the assistant manager, expressing his wonder that Leroux whose account occasioned the bank more anxiety, and gave it more work, than that of any other two depositors had at last engaged a man who would keep his business affairs in order!
For the first eight years of the existence of the late Bank of the United States its circulation barely exceeded $4,000,000, and for five of its most prosperous years it was about equal to $16,000,000; furthermore, the authority given to receive private deposits to a limited amount and to issue certificates in such sums as may be called for by the depositors may so far fill up the channels of circulation as greatly to diminish the necessity of any considerable issue of Treasury notes.
Also it will discover which of two crossed lines was last written. It may determine whether the ragged edges of the ink lines are those of fraud, illiteracy, or old age. The practice of forging the names of depositors in banks to checks, drafts, notes, and in fact to all papers representing a money value, has been practiced, probably, since the creation of man.
Each of our 1,400 banks has but a limited circumference for its circulation, and in the course of a very few days the depositors and note holders might demand from such a bank a sufficient amount in specie to compel it to suspend, even although it had coin in its vaults equal to one-third of its immediate liabilities.
All that day his face had been in a broad smile; even the old book-keeper noticed it and so did Patrick, the night-watchman and sometimes porter; and so did the line of depositors who inched along to his window and were greeted with a flash-light play of humor on his face instead of the more sedate, though equally kindly expression which always rested on his features when at work.
The Powers dealt together more or less honestly; banks paid their depositors to the hour; diamonds of price came safely to the hands of their owners; Republics rested content with their Dictators; diplomats found no one whose presence in the least incommoded them; monarchs lived openly with their lawfully wedded wives.
In fact probably most investments of this character are now made by corporations who gather the savings of little depositors and premium payers; and it would cost much more to make them in any other way. Corporations, therefore, are necessary, but they necessarily separate the ownership of wealth from its management.
During the thrift campaign of 1918, several savings banks of that city conceived the idea that their depositors could be induced and helped to save more money if the banks opened a bureau for free advice to their patrons on household management. This bureau is still in the experimental stage but it has had an increasing clientele so far.
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