BUSINESS WITH BANKS.

New Zealand Mail, Issue 229, 29 January 1876, Page 23

BUSINESS WITH BANKS.

(American Paper.) The attaches of the banking institutions, as well as post-office clerks, railroad conductors, &c, are by a great many supposed to be walking encyclopaedias and public servants, expected to answer all questions put to them, and to perform all services required of them. A suffering bank official has therefore adopted a few rules to govern those who do business at the banks, the following of which, it will be noticed, will expedite transactions with the money-changers wonderfully : If you have business with the bank, put it off until three o'clock, or, if possible, a little later, as it looks more businesslike to rush in just as the bank is closing. In depositing money, try and get it upside down and wrong end foremost, so that the teller may have a little exercise in straightening up before counting it. It is best not to take your bank book with you, but call another time to have it entered. You can thus make two trips to the bank where one would answer. If a cheque is made payable to your order, be careful not to endorse it before handing it to the teller, but let him return it to you and wait while you endorse it ; this helps to pass the time, and is a pleasure and a relief to the teller . You can generally make time when making a deposit by counting your money down to the teller, and you can always count more speedily and correctly than he can. If you make a deposit of one hundred dollars and give a check for fifty dollars, it is a good thing to call frequently at the bank and ask how your account stands, as it impresses the officers favorably with your business qualifications. ISTever keep any record of when your notes fall due, and then if thev are protested, censure the bank for not giving you notice. Always date your checks ahead; it is a neverfailing sign that you keep a good balance in bank ; or if you do not wish it generally known that you are doing a good business, do not deposit your money until about the time you expect your check will be in. A strict observance of the foregoing rules will make your accounts desirable for any bank and make you a general favorite with all the bank officers.