Belmont chronicle. [volume] (St. Clairsville, Ohio) 1855-1973, 1876-03-02
How 10 Use Banks.

Every depositor ought to keep a strict record
of each deposit, and each check, with day and
date. If regular bark book is kept, your
banker sould invariably make entries of the de-
posts 4 certificate of deposit will always
show for itself. The deposisst should make a
record of each and every cheek as he issues
the same By footing the depositx and checks
suit will always show your balance liz bank.
Be as accurate in your entries as you expect
your banker to be in his. Don't ask him so
keep your books and his own too. Don't ask
what your balance is every time you go in the
bank. A business man always knows with
out asking. Your book ought to tell you
Never check on a certificate of deposit.
Never issue exiting checks" When d check
is issued, consider it charged against you at
once. If you depend on making the deposit
afterward, it may get in too soon for you, and
be dlshonored--not paid. Never ask how
much your neighbor has on deposit. Never
overcheck your account 1t is an imposition
on the bank. Always manage to transact
your bank business during regular banking
hours. A farmer would not get out of bed at
10 o'clock at night to sell neishbor peck OF
of potatoes, nor a merchant 10 sell yard of
calico, neither ought they to ask bank business
out of bank hours, except in cases OF actual
necessity, Bankers work and swest over their
hundreds of accounts, whilst you are asleep.
Never be unreasonable by being unreasonable.
When Your horse has done his days work,
pull the harness from him and let him rest.
When your cashiers days work Is done, let
him rest too. If your bank is of any benefit
to you, encourage it by helping it. Encour-
age Others to strengthen it rather than weaken
| it. Strengthen it by deposits. Pay liberaliy
for exchanges, discounts and collections. A
bank cannot be run for nothing, neither can
they make dividends out of the wind. Stock
holders. particularly, ought to bear this in
mind Seek to strengthen the deposits of
your irank, remember in this way your divi-
dends are increased Paying heavy dividends
and strong rates OF interest for deposits, don't
go hand in hand. Some of our strongest banks
pay no interest a bank is better off without
customer that would rob it. Borrowers
should be as prompt to pay as they are to bor-
row. Sort and count your moneys and checks
carefully, before presenting them to the
counter. 1t bores banker to stand and
watch you count and figure half an hour be-
fore you dare let him touch your deposit.
| Know Just what you have and what you
want, before taking your place at the counter.
Always fill and stamp your own checks, and
write your own letters. Bankers have plenty
of their own to take care of, without the
trouble of yours. You make thousands of
mistakes every year. You must expect any
banker to make one occasionally. Endeavor
to be accurate, withGIt being called slow
Banks cannot cash and carry every foreign
note, check, draft, coupon or order presented.
Do not be unreasonable in making little drib-
bling deposits, nor il drawing dribbling
checks. 1t must be troublesome to the de-
positor, and can be of no possible benefit to
to bank. A mean custosler is he who would
ask his banker to sweat over old accounts,
hunting up old transactions, that if he had
noted properly at time of operating, would
have shown for themselves in his own books,
in his own hand-write. Never ask loan
without offering unquestionable security.