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Updated: June 20, 2025
Sikes often witnessed the depositor commencing with ten or twenty pounds, then make permanent additions to his little store, until at length the amount would reach one, two, or, in a few instances, even three hundred pounds. Mr.
A respectably dressed working man, when making a payment one day at the Bradford savings bank, which brought his account up to nearly eighty pounds, informed the manager how it was that he had been induced to become a depositor.
Persons depositing money only once, or very seldom, and intending to draw for the same at once, usually receive from the cashier a certificate of deposit, which states the name of the depositor, the sum deposited, and to whose order it is to be paid. For the use of money deposited for any considerable period, banks agree to pay interest, usually less, however, than the rate established by law.
At last the rogue told the cashier that rather than submit to imposition he would take the gold, and the eighteen thousand dollars were handed over to him in twenty-dollar gold-pieces. The forgery was not discovered till thirteen days after, when the depositor called for his special deposit. Immediately detectives were employed. One of them you have all seen.
But she did not ask him to forgive her. It is dangerous to start rumors against even the soundest of banks, because our present-day finance is no more than a house of cards built precariously on Public Confidence. No bank can pay interest, or even do business, if it keeps all its money in the vaults; and yet in times of panic, if a run ever starts, every depositor comes clamoring for his money.
"Writing up" of the deposit book is leaving it with the proper officer at the bank a receipt for the book is never taken. It is returned with all the checks received, and their amount footed up on the right hand or debit page, and the balance on hand shown. Every depositor should know from the record on the check stubs exactly how his account stands with the bank.
The bank is safer than your pocket. Count your money carefully and make a memorandum of the amount before giving to the savings bank to deposit. Hand the money to the officer usually "the receiving teller" authorized to receive it. The teller writes down the name, age, occupation and residence of the depositor.
Some hundreds have been found of both classes, but they are almost wholly without literary merit, being bald and jejune in the extreme, and presenting little variety. The depositor of a votive offering usually begins by mentioning the name and title, or titles, of the deity to whom he dedicates it. Then he appends his own name, with the names of his father and grandfather.
Before opening an account there is more than money needed from the depositor. If unknown, he must satisfy the bank of his character, which is best done through the introduction of one known to both. Some banks make a charge for deposits, where a man makes a convenience of them by depositing money which he checks out in a short time.
Quick-footed rumor, that hates the well-being of man, was abroad at its deadly work; public confidence in the bank began to wane, and each depositor lent the weight of his individual interest to accelerate the financial crash.
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