St. Johnsbury Caledonian. [volume] (St. Johnsbury, Vt.) 1867-1919, 1914-10-28
A SAVINGS BANK, WITH SAFETY CON
FTDENCE. AND GROWTH

fLDENCE- AND OhOWAH
On February 1st, 1887, the Citi-
zens Savings Bank and Trust Com
pany received it's first savings deposit
and issued its first savings bank
book. Since then it has issued nearly
10000 books to its savings deposit
tors, and its deposits now amount to
over THREE MILLION FOUR HUN
DRIED THOUSAND DOLLARS.
The bank is under the direct over
sight of it's 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 its
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
withdrawn, it becomes part of the
principal. Any part of a deposit may
be withdrawn without disturbing in
terest on the balance.
All taxes on deposits are paid by
the bank.
GENERAL BANKING
II A CHECK ACCOUNT is indeed a
business necessity. 1t is not required
that a person should have a large
business in o: der to open an account
Professional men, farmers and many
women are running check accounts
If you have never done business IL
this way and are not familiar witt
the plan, write to us, or call and see
us, and we will get you started. We
furnish check books, and all neces
sary stationery and no charge to thu
depositor.
TRUST DEPARTMENT
The Citizens Savings Bank anC
R Trust Company by the terms of it
! charter is allowed to act as Trustee
Executor, Administrators or Guard
l ian. Time and experience have full
\ ly proven that in the handling of al
\ estate, or the funds of widows o
l orphans, the trust company has NJ
\ equal. You can appoint us as guard
\ ian of your children, your executors
K or trustees, and be relieved of al
\ worry as to the carrying out of you
y intentions. If so desired, you cal
\ deposit your Will with us for SAT
y keeping without cha. ge.
y STORAGE OF VALUABLE PAPERS
We rent safe deposit boxes in on
z vault for the storage of valuable pa
pers at reasonable rates.
BUSINESS APPOINTMENTS
Our patrons are at liberty to max
y appointments with friends to meet a
y our rooms for consultation. BY so 90
z ing they avoid the annoying inter
y ruptions to which they might other
& wise be exposed.
PRIVACY OF ACCOUNTS
All business transactions with thi
bank ale treated with absolute pri
vacy, and in strict confidence.
LOANS
1t has always been the policy o
this bank to invest its funds at home
as far as possible, and to give care
full personal consideration to it's Gus
toners requests and prompt decis
ions. We loan on first mortgages OF
real estate, approved collateral, an
on notes with two or more approve,
signers. 1t is our aim to extend t,
our customers every accommodation
consistent with conservative bank
ing.
TO OUR DEPOSITORS
The Citizens Savings Bank AM
Trust Company could not have at
tanned its present position had it no
received the hearty cooperation anC
assistance of it's customers, who have
taken pride in the banks growth anC
contributed to that growth in speak
ing to their friends of their OWL
1 treatment.
To these customers-friends who
have co-operated so generously-the