The morning news. [volume] (Savannah, Ga.) 1887-1900, 1899-02-12
WOMEN AT THE BANKS.
Some Good Banking Rules for Men
as Well as Women.

as Well as Women.
Washington Letter in Chicago Record.
The Fifth Avenue National Bank of
New York has 5000 women depositors 1t
is situated at the corner of Forty-fifth
street and Fifth avenue in the midst of
the residences of the wealthy classes, and
is almost exclusively patronized by rich
women who keep their household ac-
counts and pin money there. The receiv-
ing tellers are very busy during the first
few days of every month, when the pa
irons of the bank bring in the allowances
they have received from their husbands or
fathers. but the rest of the time they
have comparatively few deposits to take
care of and have plenty of time to assist
the paying tellers in cashing checks that
have been drawn to meet grocery or
dressmakers' bills. 1t is also the favor
lite institution of women who are rich in
their own right and make large deposits
on interest and dividend days and when
their rents come due.
The Lincoln National Bank in Forty
second street, near Madison avenue; the
Columbia Bank at the corner of Fifth
avenue and Forty-second street; the Bank
of New Amsterdam, at Broadway and
Fortieth street, and the Plaza Bank, near
the entrance to Central Park, are also
favorite depositors for women.
Many bankers have prejudice against
women depositors, because of their lack
of punctuality, their indifference to bus
mess rules, their tendency to overdraW and
their inability to keep their balances
straight; but the officials of these partic-
ular banks say that such objections are
unjust and that when a woman once
learns how to look after her money she
gives very little trouble. So far as the
matter of overdrafts is concerned they
have more trouble from men, and men
customers as a rule exact accommoda-
lions which women never expect. New
York banks have a rule not to pay
checks drawn by women in excess OF
their deposits, and therefore there is no
loss on that account. Women have no
notes to be discounted no drafts to be
cashed and never ask for loans on doubt
full colaterals.
All the banks l have referred to have
deposit check books of an attractive APP
pearance, made especially for their women
customers, and upon the fly leaf are print
ed rules for their instruction. The Lin
coin National Bank furnishes its lady pa
irons a list of ''Don'ts as follows:
Don't draw check unless you have
the money in the bank or in your possess
sion 10 deposit.
Don't test the courage and generosity
of your bank by presenting, or allowing
10 be presented, your check for larger
sum that your balance.
Don't draw a check and send II to
person out of the city, expecting 20 MAKE
il good before ii can possibly get back;
sometimes Geographic advice is asked
about such checks.
Don't exchange checks with anybody
this is called ktting' and is soon discov-
cred by your bank. Ii does your friend
no good and dscredts you.
"Don't quarrel with the teller because
Re does not pay you in money exactly as
YOU wish; as 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 ex-
pect and desire if the situations were re-
versed.
Don't give your check to a stranger
This is an open door to fraud and if the
bank .oses through you 1t will not feel
kindly toward you. When you send your
checks out of the city TO pay bills write
the name and residence of your payee
thus Pay TO John Jones & Co. of Bos-
ton. This will put your bank on guard
if presented at the counter.
Don't commit the folly of supposing
that because you trust the bank with
money the bank ought to trust you oy
paying your overdrafts
Don't suppose you can behave badly tn
one bank and stand well with the others
Remember, there is clearing house.
Don't think it is unreasonable If your
bank declines TO discount an accommoda-
ton note If you want an accommodation
note discounted, tell your bank frankly
that It is not. in their definition, busl-
ness note"
-Blink-The trouble with bore is, one