The beginner in a bank usually discovers that he does not have at his command a sufficient knowledge of commercial documents and banking practice. Later on, also, he often realizes that he did not start out with the best principles of personal conduct or a proper attitude or view of his own job. It is the object of this book to help the beginner to acquire this necessary information at the earliest possible moment. He may then become a very efficient helper within a short time. The managers of banks who are obliged to train beginners find this to be a problem of some difficulty and considerable expense. It has been estimated that the training of the average beginner costs a bank about two hundred dollars in the form of unearned wages at the start, valuable time consumed by the officers or men in the bank who supervise the instruction of beginners, losses through errors due to ignorance, and waste due to inefficient utilization of time and energy.