The Caldwell tribune. [volume] (Caldwell, Idaho Territory [Idaho]) 1883-1928, 1897-05-29
n.

" III the number D
women customers
in New York banks
Is looked upon by
many people as a
| sign of woman's
N. lM growing knowledge
So of business meth
WIN IN DDS, but the fact
- that much of her
business knowI-
edge is acquired after she becomes a
bank depositor is not generally known,
says the New York Tribune. The hank
people know 1t and tell many funny
stories about their women customers.
When a man goes to a bank to open
an account the officers take Il for grant,
ed that he knows how to draw checks
and how to indorse' them; how to make
out a deposit slip and what to do with
his bank book; but women who have
never had a bank account must be
coached, and still they make many err
rors, which cause the bank people much
trouble. 1t is not unusual for a wom-
am to leave her signature as Mary
Smith," and then sign her first check
Mrs. John Smith" When a check
comes back to her marked mo account"
she rushes to the bank and usually
tells the officers that they should have
known that the check was all right.
One error Of that kind generally cures
a customer, but there are other mis-
takes which are not so easily overcome.
Among these is the failure to write
checks with pen and ink, and to omit
to write the amount of the. check in
figures in the place set apart for that
purpose. But overdrafts," said q
bank official, give us the most work.
The women overdraw their account
because they keep no record of their
checks, and the story Of the woman
who came to the bank to demonstrate
because her check had been returned
branded mo funds and who said that
there must be money to her credit be-
cause she had not used half of her
checks was no exaggeration." In a
neat little volume published by one
bank the customer is informed that
1.-THE passbook, while kept by the GUS
toner, is really the property Of the
bank, and nothing should be written
in it by the depositor. The custom of
some persons using their bank pass
books as personal memorandum books
causes endless annoyance and labor to
the bookkeeper, who has to handle
large numbers of these books in a short
space of time" The necessity for pos
tive instructions of this kind was DEM
Onstrated recently when a woman
handed her book to the receiving teller
to have a deposit recorded. It was
found that line had been drawn I'M
der the last figure made by the ba TX,
and the amount figured up, and then
came the following memoranda:
F'ald storms '..''.....'........ $26.OO
COOK ACKNOWLEDGEMENTS, 1000
Theater tickets. Observation-Disclosures. 800
When the bank clerk told the woman
that the book should not be used for
such purposes he was informed indig-
nantly that it was her book and that
she knew how to keep tally on the
bank. An amusing incident took place
at an uptown bank a few weeks ago,
and it served to show that some wom-
en- are as careful as others are the re-
verse. The new depositor asked where
she could find deposit slip, and hay
ing counted her money, separated the
bills Of the various denominations and
then wrote on the slip: 500 in 81 bills,
$14 in 81 bills, $40 in IS bills, $40 in
$40 bills. In order that depositors may
avoid making errors one bank has
published the following list of
'Don'ts:" Don't draw a check unless
you have the money in the bank or in
your possession to deposit. Don't test
the courage and generosity of your
bank by presenting, or allowing to be
presented, your check for a larger sum
than your balance. Don't draw a check
and send 1t to person out of the city,
expecting to make it good before it can
possibly get back; sometimes tele-
graphic advice is asked about such
checks. Don't exchange checks with
anybody; this is called "kiting" and is
soon discovered by your bank. 1t does
your friend no good and discredits you.
Don't quarrel with the teller because he
does not pay you in money exactly as
you wish; as a rule, he does the best
he can. In all your intercourse with
the bank officers treat them with the
same courtesy and candor that you
would expect and desire if the situa-
Hons were reversed. Don't give your
check to a stranger. This is an open
door to fraud and if the bank loses
through you it will not feel kindly
toward you. When you send your