A non-interest-bearing written agreement to deliver the dividend on stock sold.

A written acknowledgment of indebtedness, which is neither made payable to order, nor transferable by indorsement.

Guaranty issued by a bank in place of a certified check.

The Comptroller of Currency has referred to "clearinghouse loan certificates" as "due-bills."

Due from (Reserve) Agents. This term is frequently used to denote the amount of money which a bank has on deposit with its "reserve agent." This will be better understood by reading "New York Excess."

Due from Banks other than Reserve Agents. When this appears in a "bank statement," it has the same meaning as given under "- Due from Others."

Due from Others. The "bank statements" of some of the cities give an item with the above heading, which indicates money on deposit with other banks than " reserve agents," as referred to in the preceding subject; and also all checks, etc., in the hands of other banks in the process of collection.

Due to (Other) Banks. The "bank statement" is frequently tabulated in such form as to sub-divide the deposits. " Due to banks," therefore, indicates the deposits held by the banks, included in the statement, to the credit of other banks and trust companies, not members of the clearing-house association, among which would be naturally many country banks carrying deposits in either the "reserve" or "central reserve centres." This subdivision of deposits does not appear in the New York Bank Statement, as it is all covered by one heading, " Deposits."