If money is deposited in the name of one under legal age, the
names of the parents and the birthplace of the minor are also
recorded.

The adult depositor must write his name in a book provided by the
bank for the signature of clients.

When these conditions are complied with, the depositor receives a
memorandum book, known as a "deposit book", in which, with his
name and date, is written the amount of his first deposit.

The deposit book must be carefully guarded, for without its
presentation at the savings bank money cannot be drawn. You cannot
check against your savings bank account, as with a commercial
bank.

HOW THE ACCOUNT GROWS

After the first account is opened the rest is easy.

On the second, as on all subsequent visits, the deposit book, with
the amount to be entered, is handed to the receiving teller. He
counts the money, makes a record of it for his own use, enters it
on your book as a deposit, and hands the book back. That is all.

Whenever interest is due it is written down in the book as if it
were a cash deposit.

The interest, if desired, will be paid in cash, but if allowed to