A Plan for a County Provident Bank : With Observations Upon Provident Institutions Already Established 15

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" The chief matter of difficulty which he has had to overcome, has been that of making the.
Deposits produce immediate Interest — at a high rate — and with security. In Scotland this has been most easy; for as it is the custom ( 49 ) of the Bankers tlieie to allow interest on sums deposited with them exceeding Ten Pounds, it was only necessary to club together savings to that amount, to deposit them at the banker's, and the money at once worked. The liberality of their bankers even extended the
... advantage of interest beyond their general custom, iii favour of the Parish or Savings Banks. In England, the practice of the bankers being not to allow interest, the Plan of the Scotch Banks for Savings could not be pursued. Hence, in the Bath Provident Institution, and other similar Institutions in England, it is provided, that all Deposits shall be invested in the Public Funds ; but with this mode of investment come delays; in the production of interest, expences, and a complicated system, which defeat the intention of making the scheme support itself, and yet be profitable to the Depositors.

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