The Idaho Republican. [volume] (Blackfoot, Idaho) 1904-1932, 1917-02-23

3 ratnef go on ana put up with
than to say anything that might seel
3 personal to their customers. Undt
) these circumstances we could Onl
Y speak from our own observations 6
} we happen to gather matters of IL
: terest by being where something
, happening.
Mis-using the Banks
In the banking business everythin
runs smooth-nearly everything
People come in and deposit thei
money and go out, or they come il
and present their checks for cash
receive It and walk out. Some PEG
pie make out their own deposit slips
add them up correctly, make a dup
ilcate to show the total, pass then
IN to the receiving teller, and all il
done quickly. Others come in ant
shove a wad of checks and none,
thru the window and then wait while
he spreads them out, lists them anC
does what the customer should have
done. If all the depositors did il
in this way tbs bank would have
to employ more help to handle the
business. The depositor's time is
wasted while he is waiting, and he
might as well do it himself. If he
makes out his own deposit slips, he
knows or ought to know that it is
right. If mistakes appear after
wards, andthe depositor does not re-
member what he turned in, he is
apt to blame the bank clerk. Some
times children are sent to the bank
to make deposits and no list is sent.
This puts the banker in hard posi-
ton, for the child may lose part of
the money on the way, and he has
no protection against such mishap.
1t would be held against the clerk
who received the deposit that he took
advantage of the child. If the per-
son sending the money in such a way
has no deposit slip, it should be list
ed on something so the bank will be
able to compare the list with the
money and checks sent, and o. K.
it or promptly notify the sender
that there is a shortage The GUS
toner should keep as complete a
record as possible, and in no other
way can he know when he is drawing
the last of his money.
Examine Returned Checks
We have many people who leave
ali of the responsibility and the book
keeping with the bank. They do
not even fill out stubs when drawing
checks, and boast that they make the
bank do their bookkeeping. That is
not fair to themselves nor the bank,
for banks make mistakes, and the
sooner they find a mistake, the more
chance they have to protect them
selves and the customer. For in
stance, if James Pendlebury has an
account and James Pendlebury, Jr.,
has an account, and they happen to
be at the same place in the ledger,
it Is easy to charge the checks of
one of them to the account of the
other, and if they receive their
statement and their cancel
ed checks and do not look them over
and discover it, somebody may have
die money in the bank and the other
may have an overdraft.
Might Make Heavy Loss
Take another case: Suppose ]. |
W. Van Epps, the horse buyer, comes
% town and opens a temporary
checking account, and one of his
checks happens to be charged to L.
". Van Aiken. Mr.. Van Epps closes
Up his business, takes the balance of
lis money and goes his way Sup
'ose that Mr.. Van Aiken is pretty
)usy and has lots of confidence in
he bank, and does not examine his
hecks and his statement. That Van
Gpps check lies in his desk while
dr. Van Epps closes up his business
nd leaves the country, and the bank
inows nothing of having misplaced
he check till it is too late to protect
themselves and they simply have to
ose the amount of the check, tho
Ir. Van Aiken could and would have
aved them if he had been alert and
lone his part by running thru his
unch of checks as soon as they were
eturned to him. Take your checks
nd run thru quickly and glance at
very signature to see if it is yours.
not, ring the bank and get the
before them the quickest
1ay possible. &
Raising Your Checks
When writing checks, be careful
here you place the figures. Do not
cave blank spaces ahead of the
lords and figures so that somebody
an write in more and raise the {
heck. Fill out the stub first and {
he check next. Don't write checks q
Or any more money than you have '
ut into the bank, and if you send ,
our deposits by mail, try to keep '
ab on the acknowledgment that a
ONES back from the bank, for they s
ill send a receipt or acknowledge c
lent for each remittance you make. d
you mail remittance and then go s
checking against it, and the letter c
appens to get lost, you may over t
raw and that starts trouble. t
Teacher Couldn't Understand q
A few years ago lady teacher in q
lackf0ot received notice that she In
ad Overdrawn her account four dol v
RS, and she went promptly to the
ank and said she did not under t
and it, but supposed the bank was t,
ght, and she would fix it up, so she g
rote another check for 81 and shov- D
1t thru the window, thinking she t,
'uld fix an overdraft with another D
check. After that was re- Il
lsed and explained, she grew red s,
the fare and sold Che novar did n,