should leave so much lying idle without obtaining
any interest upon it. She will reckon up how
much she will require for, say, the next six
months, for house expenses and personal use,
and also how much, on the other hand, she will
be paid in rents or interest, and will then find
that there will be a sum of; at least, say, £300
over and above all she desires to spend.

If she is wise, she will draw out this sum by
cheque from her current account and have it
placed on a deposit account. In this case the
bank will give her a deposit receipt or interest
note, somewhat in this form:-

---------------------------------------------------------
| No. 23975 26th June, 1897. |
| |
| Blankshire Bank, Blanktown. |
| |
| RECEIVED from Miss Jane Smith the sum of Three |
| Hundred Pounds, to be accounted for with interest at |
| 2.5 per cent per annum, on 14 days' notice of |
| withdrawl. |
| |
| Entered - J. Hill T. Dale, Manager. |
| |
---------------------------------------------------------
(and, written across the receipt "Not transferable")