The Helena independent. [volume] (Helena, Mont.) 1875-1943, 1890-06-09
LADIES AS BANK DEPOSITO RS.

LADIES AS BANK DEPOSITO RS.
Some of Them Have Difficulty in Com
pretending the Rules.
"What sort of time do you have with
your lady depositors?"
The question was asked of patient-look-
ing, middle-aged gentleman who stood be-
hind the counter over which was the sign,
Paying Teller" IN one of the uptown ma
tional banks.
We'll" he replied with smile-a very
agreeable smile-''now that have become
practical philosopher, l do not find it irk-
some. Indeed, rather enjoy myself. The
efforts of lady to master the intricacies of
banking rules and practices used to make
my head ache. Now they provide entertain
ment for me ali day long. I used to sigh
when saw lady approach the window
with an expression on her face indicating
that she was in doubt about something.
for she may have some new problem
though that is unlikely-or she may develop
some new phase of character. That is I'M
likely also however. / think I know them
all. ! ought to-
why is it they can't understanG?'
MANY of them understand everything.
The majority do. The woman who cannot
comprehend all that is required of a depos-
itor is an exception. But those who do not
understand do not understand at all.
What do you think of a lady coming here
and demanding to know why check drawn
by her was not paid when there was no
money to her credit I've had that happen
to me number Of times. 1t happened this
morning. When / told the annoyed woman
that her account was slightly overdrawn.
she asked me why hadn't sent her word
You could have told very easily by con-
sulting the stubs i'll your check book and
comparing the total with the total deposits
in your bank book l said.
.'.Oh, she replied, 4 can't bear to bother
with figures. / always hated EN-"
"And had some difficulty in convincing
her that it would be necessary to put money
in the bank before she could draw any more
out. She wasn't quite so bad, however, as
the very innocent lady, historical in bank
circles, who, when one of her checks was
sent back marked No funds descended
dentally, for more money. explaining that
there must be plenty to her credit still, as
she had only used about half of the checks
in her check book
The teller was obliged just then to in
form a bright looking young woman that
would be absolutely necessary before he
could honor it. She blushed furiously and
hurried to desk to add her name.
There's an example," he said, laughing.
"But she knows better. 1t was only care
lessness."
When he had paid the young woman her
money he continued: "It is a great wonder
| that lady depositors are not continually be-
ing defrauded, because of their manner of
drawing checks. OF course when they
draw them at the bank we can correct them.
But the checks they write during their shop
ping tours would, l should think, be a con-
slant temptation to people with tough con-
sciences. They could be SO easily raised.
Nearly all. except the experienced ones, fail
to fill out the line after putting down the
figures. 1t is blessing, therefore, that
most of the checks are drawn to the order
| of the reputable business houses of the city.
Frequently their checks are for ridicu-
lousy small amounts. 1t is the new depos-
itors who write them. 1t is a novelty, and
they appear to leave ali their change-and
big change, too, for that matter-at home,
| for the purpose of enjoying it. I have had
| as many as fifteen checks from one woman
| in one day and some for amounts as small
as five cents. The other day check was
presented here for nineteen and one-half
| CENTS"
do they lose their tempers oftenT
| "Oh. sometimes, of course"
just at that moment the angry notes of a
woman's voice were heard. She was talk
ing to the cashier. 1t appeared that checl
of hers had been refused because it hat
been drawn for an amount larger than the
sum to her credit.
.rhe check said the cashier calmly
''ca!led for $23. You have only $l4 in tn
bank
Il have too,'' she answered fercely; CIV
got S37.''
You're mist AIKEN, madam" answere,
the official, still calmly.
, yourself"
The cashier took the book with the re
signed air of a man who had been there be
fore many time. He examined it quickly
s'Ihe trouble isl he said, that you hav
drawn a check hurredly some time ant
, neglected to fill out the Stub
& couldn't possibly have done that" sh
/ replied, "because / always fill out the stu
, first. And; besides, l don't write check
The cashier smiled, and that exasperate
q the woman still further.
: you've made the mist axe yourself,
n she declared.
4 1--WE do not make mistakes here" ",
e the quiet response.
4 'sBut you might" she said with emphasi
"a "les we might, but We never do
d TITS possible, isn't it?" she demande
v with more emphasis.
e Yes, it's possible. Almost everything
,e possible. But we have never made olfe i
n our twenty-five years of business life.''
The lady shifted at this, and then throw
" ing her checkbook on the counter. she said
l. sarcastically. well. if this institution
IF needs money SO badly, you can have it.
at She tlounced out.
IS "Will the bank be that much richer?
is was asked of the paying teller.
e, Hardly" lie replied: she'll undoubted
d " come back and draw it out."-New Yor
ID Times.