In order to give the reader as clear an idea as possible of the interior workings of the modern Savings bank, we will describe the functions and the daily routine of each person connected with one of these institutions. We will begin with the janitor.

Since seven o'clock, when he relieved the night watchman, this humble, but important functionary has been preparing the bank for the business of the day. He has swept and dusted the banking room, seen that the ink, pens and other appliances were provided, and has stamped with the proper date the books and documents representing the business of the previous day. The tickets, when made out by the clerks, are purposely left undated; when made out by the depositors there are sometimes errors or discrepancies in the date, therefore this stamping gives the official date of their passing through the books.

At the opening of the bank at nine o'clock, the next duty of the janitor will be to arrange the many account books in their proper places for the business of the day. During the active business hours he sees that persons wishing to do business are directed to the proper department of the bank, he attends to any calls or messages between those departments or outside of the bank, he carries the deposits to the deposit banks, he copies letters or places them in the files, sees that the doors are opened and closed at the proper hours. These hours are from ten to three daily, but on Mondays and Saturdays the closing hour is seven P. m.

Between nine and half-past the members of the executive staff of the bank begin to arrive. The treasurer, the secretary, the paying teller, the receiving teller and the bookkeepers. The duties of these officials will be described in order, but first, we will consider the person for whose benefit and on whose behalf they are acting in every official transaction of the day, namely, the depositor.