When a depositor comes to a savings bank to open an account his name is entered on a card or in a book, with his residence, place of birth, and other information useful in establishing identity, and he signs the card, if he can write; if not, he makes his mark. He receives a pass book bearing his name and a number. In making a deposit he lists the items on a ticket or slip and hands them to the receiving teller for entry in his pass book. In many cases the depositor is unable to make out the deposit ticket himself and the receiving teller prepares it for him. Most savings deposits are in the form of cash, but checks, interest coupons, dividend checks, money orders, and like items will generally be accepted by the bank for collection and be credited as soon as collected. Savings banks now quite commonly solicit accounts by mail. Remittances are sent by mail with the pass book; the bank enters the amount of deposit and returns the pass book with a letter of acknowledgment. As already stated, the savings bank is intended to serve the wage-earner and the man of small income, not the business man and the man of means. The latter can invest their own funds, and they are likely to withdraw their deposits in large sums, which may be embarrassing to the bank, as it keeps only a small amount of money on hand. Consequently, mutual savings banks generally fix a maximum amount which will be received from a single depositor. The maximum in Pennsylvania and in New Jersey is $5,000, and in some states it is as low as $1,000. This rule is frequently avoided by a depositor dividing his account and depositing various sums in the name of different members of his family.