The sun., 1904-12-07
THE NIGHT AND DAY BANK.
the Project Ridiculed by . Man VINO
Knows the Town and Also Banking.

To THE EpIToR OF THE sus-SI: You
have presented your readers with descrip-
tlon Of the proposed Might and Day Bank,
for the convenience Of the neurotic set VINO
sleep when tho sun is shining and who only
wander abroad after the city lamps are
lighted. In quest OF eIoitementa which the
shades OF night best cover. This unfortu-
nate class have money which they delight TO
burn In all kinds OF questionable resorts
No doubt q bank at their elbow would be
delightfully."- convenient. so that they couio
replensh their rolls as fast as depleted at any
hour OF the night.
The motto OF The Open Door" to be
adopted by this wonderful creation ofthe Art
Collector reminds one OF the signs OF the
"Dew-Drop In" that shone 30 brazenly over
many doors In the Tenderlon Of the sos.
II the Art Collector" whose fecund praih
conceived this scheme could have one week
experience In an uptown bank or trust COM
pany, he would correct his ideas as TO the
pr offs that are likely to accrue to those VINO
finance such a bank. The stranger In New
York who arrives after banking hours WIN
a big roll" and doesn't want to worry ABOUT
carrying II overnight, or trusting 1t 10 notei
safe, is hardly likely to become valuaoie
deposito Suppose the bank OF The open
Door takes the roll" overnight: what proht
will accrue to the bank for the care and the
risk it assumesy Would 1t be any safer for
bank TO handle the strangers checks than nan
for a no tel to do it? What kicking there VIII
be II any charge is made for the service! Iii
The safety deposit attachment ~ Dill oI
liant idea, too Just think OF woman com
ing from the opera or theatre. and lea ying
her furs Jewels, DC. in safe storage ana theh
proceeding to her home unwrappeal - ~, u q
draped figures must have been crawunR
through the Art Collectors" brain when when
this wonderful idea was, evolved. No ouo, y
the proposed bank would be great boon 70
many-so would railroad trains. 10 those
who are always late. that start fve or nl,
minutes after schedule time, SO wonI q
rapid transit subways. with stations opehins =
into every house. and individual cars ioi
every traveller. a., ,l
our Art Collectors" friend have had Sho
needed the 1900 in cash so late at nlghl /.
with n $50 600 balance in downtown
bank and a 81, 900 balance in an uptown bohk
who could not have used his checks just az
well as cashf There are very few Legitimate
opportunities to spend 81, ,00O in cash late at
night where a check or checks cannot be m
used. None know better than the bank OF
the banker why club house committees have
established rules limiting the size Of checks
that the office OF the club may cash. MI,
ing" checks between cubs-getting casn
from Peter TO pay Paul"-is something too
prevalent TO keep secret. Our Art Collector
will be surprised to see how many artistic
pieces of paper his bank will have to frame
after 1t gets into full swing ..s
at the bank OF The Open Door" will find
that the bank is not in the post convenleIh,!
situation always TO meet his wants. He would
find bank where he could drop In nlckei
and get his check cashed more to his NOTION
New York, Dec. 8. JOHN SMITH.