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withdrawal of supplies is made on the record card, Figure 228, on the right side under the heading "From stock." The amount of the supply remaining is shown in the "On hand" column. The records thus show at all times the amount on hand of any given article. They also furnish a basis for estimating the necessary size of orders for the next year. Scrap-books are kept in which are pasted two copies of each new form as issued. The number 97 after the word "sample" at the top of Figure 228 refers to the page in the scrap-book on which samples of the form are pasted.

CHAPTER IX.

FORMS AND RECORDS FOR THE SAVINGS DEPARTMENT.

THE

HE savings department has come to be one of the most important departments of trust companies, particularly in communities where the savings banks have not had great development, and in many cases furnishes the largest part of the business. The records of this department are comparatively simple; and since the deposits are not as a rule active, a small clerical force can readily handle a large number of savings accounts.

The forms and records used are practically the same as those employed by the regular savings banks. For a very full treatment of printed savings bank forms, based on samples furnished by savings banks from all over the country, the reader is referred to a compilation of savings bank forms issued in June, 1906, by the Savings Bank Section of The American Bankers' Association.

OPENING AN ACCOUNT.

When a person wishes to open a savings account, assuming him to have been properly identified, the first thing necessary is to have him place his signature on the signature card as a means of identification in future transactions. Formerly signature books were used, and there are a few companies which still use them; but the advantages of cards for this purpose are so many that their use is becoming nearly universal. A few companies use both the book and the cards, keeping the former for permanent record, and using the cards for daily business. Figure 230 shows a simple form of signature card, whose size is 3x5 inches. A more elaborate form is shown in Figure 231. The amount of information called for on the card varies greatly, according to the policies of the officers and local circumstances. Besides the signature, the items always included are the address, the number of the account and the date on which the account was opened. Among the other items of information often called for are the following: Both home and business address; occupation; employer's name; age, or date of birth; birthplace; married or unmarried; father's name or mother's name, or both, sometimes the whole name being asked for, and sometimes the first name only; husband's or wife's name; maiden name (if a married woman); native state; nationality; introduced by; source of account; remarks. A few companies require the signature to be witnessed. The majority of signature cards contain a simple agreement like that shown in Figure 230, but a few contain quite elaborate contracts to abide by the rules and regulations, etc., and a few provide no agreement whatever, assuming that the opening of the account and the leaving of the signature

imply such agreement. As to the matter of what is needed on the card in the way of information for future identification, it is evident that there is considerable difference of opinion. If the account is an active one, there can be little question about identification. If, however, the account once opened remains dormant for a period of, say, ten years, the signature alone will hardly be a satisfactory means of identification,

7489

I hereby agree to the regulations of The Blank Trust Co. governing savings accounts.

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I hereby agree to the Rules and By-laws of

THE BLANK TRUST COMPANY governing savings No.7489

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inasmuch as a person's signature is apt to change materially within a few years. In such cases it is undoubtedly of advantage for the company to be in possession of information of a private character concerning which an outsider is not apt to be posted. In taking the signature of a woman, the teller should always learn whether the title is Miss or Mrs., and note the fact on the card, if the signature itself does not show

The signature cards are filed in the drawers of a cabinet which is placed where it will be easy of access by the tellers and the savings bookkeepers. They may be filed either numerically according to the numbers of the accounts, or alphabetically according to the names of the depositors. If filed alphabetically, they serve as an index to accounts (which otherwise must be provided in a separate book or set of cards), thus saving much time and work. If this plan is adopted, however, great care must be exercised to keep the list always complete, and to remove the cards of closed accounts promptly and place them in a separate file. It often happens that the required signature cannot be obtained at the time the account is opened, and it is therefore necessary, in order to keep the card list complete as an index, to have a temporary card to place in the files until the regular signature card is completed. Figure 232 shows such a "dummy signature card."

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Savings accounts are often opened in the names of two persons, either of whom is to be permitted to withdraw the funds. In such cases, both signatures must of course appear on the signature card, together with the notation that either may draw. This notation is also placed on the ledger page and on the pass-book. Joint accounts are also opened with the agreement that in case of the death of either of the parties the account is to belong to the survivor.

For the signatures pertaining to such joint accounts, some companies. use the ordinary signature card and make upon it the necessary notation, either with pen or with a rubber stamp, while others provide a special card. Some consider that a brief notation answers the purpose, forms used being these: "Subject to the order of either and the survivor"; "joint account"; "to be drawn by either or the survivor"; "either

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