remain, it begins at once to earn interest for itself.

Interest grows like a rolling snow ball. On such small beginnings
great fortunes have been built.

Savings banks keep a reserve, made up of earnings in excess of
interest and all expenses.

This reserve earns money.

The money so earned is reckoned as a net profit, and it may be
distributed, and usually is, among its depositors as a "dividend."

THE LIMIT OF DEPOSIT

Different banks have different limits of deposit, that is fixed
sums beyond which they will not receive.

The limit is from one thousand to five thousand dollars.

When the fortunate depositor has reached the limit with one
savings bank, there is no law to prevent his opening another
account with another, or with any number of similar banks.

Remember the savings banks are not meant for capitalists, but for
small depositors.

After deposits and interests have reached a total of $1,600, the
interest will not go on earning interest, but will be regarded
simply as a deposit.