St. Johnsbury Caledonian. [volume] (St. Johnsbury, Vt.) 1867-1919, 1914-11-04

A SAVINGS BANK. WITH SAFETY CON
FIDENCE AND GROWTH
On February LIST, 1887, the Citi-
zens Savings Bank and Trust Com
pany received it's first savings deposit
and issued it's fist savings bank
book. Since then it has issued nearly
10000 books to its savings deposit
tors, and it's deposits now amount to
over THREE MILLION FOUR HUN
DRIED THOUSAND DOLLARS.
The bank is under the direct over
sight of its officers and directors,
some of whom have been connected
with the bank since it's organization,
and the affairs of the institution have
been conducted with a thoroughly
safe and conservative administration.
Starting business in a small rent
ed room, the Citizens Savings Bank
and Trust Company now occupies spa
cious rooms in it's own business block
at the corner of Railroad Street and
Eastern Avenue. This steady growth
in the past twenty-seven years re-
fleets the deserved confidence of it's
constantly increasing number of pa
irons.
SAVINGS DEPARTMENT
FOUR PER CENT is paid on saw
ings deposits in this bank, which
rate is guaranteed. Deposits made
on or before the fifth day of the
month draw interest from the first
Of that month. Deposits made after
the fifth draw int: est from the first
Of the following month.
Interest is credited on all savings
accounts January first and July first
Of each year, at which time, If not
it becomes part of the
principal. ANY part of deposit may
be withdrawn without disturbing in
.erest on the balance.
All taxes on deposits are paid by
he bank.
GENERAL BANKING
A CHECK ACCOUNT is indeed a
necessity. 1t is not required
hat a person should have a large
business in oIder to open an account.
men, farmers and many
women are running check. accounts.
If you have never done business in
his way and are not familiar with
he plan, write to us, or call and see
is, and we will get you started. We
furnish check books, and all neces-
'ary stationery and no charge to the
lepositor.
TRUST DEPARTMENT
The Citizens Savings Bank and
Trust Company by the terms of it's
charter is allowed to act as Trustee,
Executor, Administrators or Guard
an. Time and experience have full
y proven that in the handling of an
estate, or the funds of widows o.
orphans, the trust company has no
equal. You can appoint US as guard
an of your children, your executors,
worry as to the carrying out OF your
Intentions. If so desired, you can
deposit your viii with us for safe
keeping without cha: ge.
OF VALUABLE PAPERS
We rent safe deposit boxes in our
7ault for the storage of valuable pa
)ers at reasonable rates.
BUSINESS APPOINTMENTS
Our patrons are at liberty to make
appointments with friends to meet at
,ur rooms for consultation. BY so DO
ng they avoid the annoying inter
'uptions to which they might other
wise be exposed.
PRIVACY OF ACCOUNTS
All business transactions with this
bank ale treated with absolute pri-
Tacy, and in strict confidence.
LOANS
1t has always been the policy OF
his bank to invest it's funds at home,
Is far as possible, and to give care
ul personal consideration to it's Gus
omers' requests and prompt decis-
ons. We loan on first mortgages on
'eaI estate, approved collateral, ana
IN notes with two or more approved
iigners. 1t is our aim to extend to
'ur custome:s every accommodation
consistent with conservative bank
ng.
TO OUR DEPOSITORS
The Citizens Savings Bank and
Trust Company could not have at
aimed it's present position had it not
the hearty cooperation and
assistance of it's customers, who have
aiken pride in the banks growth and
contributed to that growth in speak
ng TO their friends of their own
treatment.
To these customers-friends who
nave co-operated SO genec ously-the
)ticers and directors make this de