Evening journal., 1910-01-31
For Millionaiires
Only

pieces for magazines and things, by
some strange and unprecedented
chance I had got hold Of matter Of
1850 all at one and the same time It
looked big TO me. BY an even more
curious chance there wasn't anything
that / really needed 10 do with the
money. so l decided that I'D bank It.
Now l knew in general way that
IN order TO put money in a bank
you've got to be known and give your
pedigree and look respectable and all
that, and hated TO approach q bank
without any sort OF credentials.
Therefore 1 went to the business man
ager of a certain magazine which oc-
casionally prints pieces that ! write
and asked him what I'd better do.
"'simplest thing in the world said
he. 'T'll give you a note to our bank
That sounded dne to me. He wrote
me the note and I started for the
bank a good deal tickled over how
easy the little depoSitinS proceeding
had been made.
The bank to which had the note
is in Wall street. l asked the uni-
formed man who was standing around
where I'd find the receiving teller's
window. and he pointed that window
out to me. I got into line and watched
the teller take IN money.
Il must own that was q BIT stalled
TO note the great size Of some Of the
deposits he was receiving. Why. fel-
lows were giving the money to him
by the satchelful. But had my note
In my pocket. and remained COM
placent enough with that conscious
ness.
when I reached the receiving teller
I passed in my note, and the receiving
teller, a decidedly civil young man.
opened It and read Il. Then he looked
At me, after which he read the note
again. this time with a sort Of puzzled
expression on his oountenanos.
didn't see why the receiving teller
should be puzzled over such a simple
matter. But puzzled he seemed. He
rang a bell and the uniformed man
who'd directed me to that window ap-
peared
"'show this gentleman TO the once
OF the cashier. said the receiving tell
er to the uniformed man. at the same
time regarding me with a pleasant
smile; and the uniformed man led me
down the passageway and took me be-
hind railing where there was a hand
some gray.haired gentleman sitting at
desk
"The handsome gray-haired gentle
man received me cordially and invited
me to be seated. handed him my
note, which the receiving teller had
returned to me, and he leaned back
In his chair and read II carefully.
Then he. too. looked puzzled after he'd
read the note a second time. Then he
looked at me pleasantly over the tops
OF his spectaclss.
"'Ahem' said the handsome gray
haired gentleman, not disagreeably,
but in a nice. bankeriike way. Might
I--er-inouire, Mr.. Penphist, without
seeming to be unduly inouisitive. as
to how-er--large a-er-balance you
would usually be czrryingT
well, that was a civil enough ques-
tion--nothins fnquisitive about It.
"'why. SIR said to the handsome
gray-haired gentleman, I am opening
an account with a matter Of some
$3.50, but I shall no doubt make some
additions to that within the next few
months, and probably shall carry a
balance Dwell, say. $500 or $500
right along
"The kindly cashier with the gray
hair fairly beamed upon me.
"'Er-just so, Just So said he twid-
ding his thumbs. We feel compn-
mented, Mr.. Penphist. we really do.
that you should have come TO us. And
Il is fortunate-er-really unfor-
tunate that we are so utterly lacking
in facilities for taking care Of accounts
Of such q character
"'You see. Mr.. Penphist, our insti-
tuition is of-er-a sort OF special
character. II is used as a depositary
by Well. perhaps should put It In
a more clear manner. ! say to you
quite in confidence, you understand,
Mr.. Penphist but we have only 1000
depositors on our books. and these
1900 depositors' aggregate balances
amount all the time TO a matter Of one
hundred and ten millions Of dollars
We'll, that was about enough. saw
the light then. I'd drifted into a mil
lionaire's bank on the careless creden.
tials OF a, BUSINESS manager who'd
written T that note no doubt in a
thoughtless mood.
The gray-haired cashier acted bully
about II. He recommended a fine bank
to me-'one that combines perfect re-
sponsibility with the necessary fac'li-
ties for handling accounts like-er-
yours. Mr.. Penphist,' he added.
For all the cashiers niceness I
walked out Of there into the cold gray
light Of Wall street feeling like a good
deal OF human caterpillar.
Il didn't go TO the bank recon-
mended TO me by the cashier. Didn't
have the nerve 10 visit any more
banks. I've got s62 left now Of the
$3.50. but I'm going 70 use that as a
nest egg. and maybe some day even
yet. .Tll have a bank account"
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gwnfnlnad