For the benefit of those who have had no experience, and who desire to open a bank or trust company account against which to draw checks, a few suggestions are here given:

Select your bank; find out the minimum sum of money which it will receive on deposit. If you have it, well and good. Then secure an introduction to some one of the bank's officers. State to him - or the one to whom he may turn you over - how much you will probably keep on deposit, and whether you will wish to borrow from the bank from time to time, and the nature of the loans. Large banks do not, as a rule, desire small accounts. Everything being satisfactorily arranged so far, you will next hand your deposit in to the " receiving teller," accompanied by a " deposit slip" or " ticket" (furnished by the bank) with the blanks filled out, giving the character, amount, date, etc., of the deposit, together with your name at the top. He will return you a " pass-book " with the sum deposited entered on the debit side. Ascertain if this is correct before leaving the counter. This book should be sent in to the bank the first of every month to be balanced, and, when returned to you with the cancelled checks, it is important that you check it up yourself to see if the total amount of the checks paid, plus the balance reported by the

Italy as early as the twelfth century. The word ' bank ' originally signified a ' pile ' or ' mass ' of funds, like the Italian ' monte ' and the French ' mont,' and was applied to the massing together of various government obligations, or their consolidation in sets of negotiable securities, which . were issued, transferred, and paid through ' bankers,' who sometimes collected the public revenues and made payments in connection with the handling of public debts. It was for such functions as these that the first banks were established at Venice, Florence, and Genoa." - " The Modern Bank," by A. K. Fiske. bank to your credit, added to the sum of the checks drawn and not yet presented to the bank for payment, equal the sum of your deposits.1 (Read " Bank-book " and " Check.") Save your cancelled checks.

Before leaving the bank you will sign in a book (or on a signature card) kept for the purpose, so that your checks may be identified when presented, and will be handed a check-book usually furnished at the bank's expense. Where the latter has a numbering machine it is well to let it first number the checks and stubs.

Do not open a bank account in your own name as agent, trustee, or attorney, unless you are acting in that capacity for some other person or persons,and the relationship is clearly evidenced by some formal instrument to that effect.

Some of the large trust companies will furnish, upon request, a pamphlet going into all matters of necessary information in reference to opening and conducting an account.