The minor delinquencies of the banks in their relations with the Clearing-house are dealt with by means of fines. The following scale of fines at New York will serve as an illustration:

First.—All errors on the Credit side of the Settling Clerk's Statement (i.e. in the amount brought) whether of footing or entry, and all errors causing disagreement between the credit entries, the check tickets, and the exchange slips........................................................each $ 3 00

Second.—Errors in making the Debit (i. e. the amount received) entries, each $2 00

Third.—Errors in the Tickets reported to the Clearing-house, causing disagreement between the balances and aggregates...................each $ 2 00

Fourth.—Errors in footing the amount received...........................$1 00

Fifth.—Disorderly conduct of Clerk or Porter, at the Clearing-house; or disregard of the Manager's instructions........................each offence $ 2 00

Sixth.—Clerk or porter failing to attend punctually with statements and tickets complete at the morning exchanges.........................each $ 2 00

Seventh.—Debtor banks, failing to appear to pay their balances before 1 o'clock P. M............................................................$ 3 00

Eighth.—Errors in delivery or receipt of exchanges....................each $100

Forty-five minutes are allowed for the proof. For all errors remaining undiscovered at 11.15 a. m. the fines are doubled, and at 12 P m. quadrupled. Once in each month the manager reports to each bank the amount of fines against it for the preceding calendar month, with the total amount of fines from all the banks and the number of banks fined. Clerks are required to conduct themselves in a quiet and orderly manner, to be attentive to their duties, and to remain at their desks while the proof is being made, and until it is announced. Loud conversation, or anything tending to create disturbance or confusion, is not permitted. The fines, though not large considering the amounts involved, are sufficient to make it an object for banks to employ clerks who are rapid and accurate in figures, though there are very marked differences of aptness in this particular.