The spirit of democracy. [volume] (Woodsfield, Ohio) 1844-1994, 1872-01-16

advantages Of keeping bank account
rather than send to SO greata distance
On this account, let your banker lie your
nei9hbor Rccollect, time is money.
THERE Is NO DIFFICULTY in opening an
account. You will enter tie bank, and
ask for the manager. Explain to him
what You want to do. He will give vo,l
every information You may require, and
you will receive, without charge. small
account book. called q Pass book, and Il
book of checks | advise YOU to keep
these two books, when not in use. under
your own lock and key.
YOU NOW REQUIRE NO further advice
from me. as your banker will give YOU the
most ample information respecting the
way of conducting your account. New
erthelcss. ] may mention a point or two
for your Own government: DO not de-
pend entirely upon your bankers Pass
book, but keep also an account in book
of your own. Debit, your banker with
all cash you may pay into the bank, and
credit him with all the checks You may
draw at the time You draw them. Send
your Pass book frequently TO be made up
at the bank, and when it returns, always
compare it with your account-book. This
will correct any mistake N the Pass-boOk.
Besides, some OF your checks may not
be presented for payment until several
days after they are drawn, and if. in the
mean time. Won take the balance of the
bankers Pass, hook,you will seem to have
more ready cash than you actually pos
sess, and this may lead you into unpieas
ant mistakes.
BE ALWAYS OPEN AND straightforward
with Your banker Do not represent
yourself to be richer man than you are !;
do not discount with your banker any
bills that are not likely to be puactudlly
paid when due; and should any be unpaid
and returned TO you, pay them yourself
Immediately. Do not attempt to ocer-
draw your account that is. do not draw
checks upon your banker for more money
than vou have in his hands. without first
asking his consent: aud if YOU make him
any promises be sure that they I've strictly
performed If you fail once, the banker
will hesitate before he trust' you again,
SHOULD YOU BE DISSATISFIED with any
thing connected with your account. make
your complaint to the bunker hilrsclf-
Let all your communications be made in
person, rather than by letter. But do not
stay long at one interview. Make no OBJ
servations about the weather or the news
of the day. Proceed at once to the bust
ness you are come about, and, when it is
settled, retire This will save your bank
er's time, and give him favorable irp-
preston of your character as man of
business.
If YoU ARE IN partnership, besides oper-
ing All account with your banker in the
names of the firm, you should open a
private account for yourself, that your
personal affairs may be kept separate
from those Of the partnership. Or, il
you are in an extensive way of business,
and have large family, it is advisable
that you open 4 separate account with
your banker, in the name Of your wife,
thst your trade payments and household
expenses may not be mixed up together
in the same account This is good way
Of ascertaining the exact amount Of your
family expenditure
Ii YOU ARE APPOINTED executor or as
signee to an estate, or become treasurer
to public institution or charitable socie.
ty, open separate account with your
banker for this oftice,and dc not mix 9TH
er peoples money with your own. This
will prevent mistakes and confusion in
your accounts. These separate accounts
may be kept still more distinct by being
opened with another banker, or al another
branch of the same bank.