Samuel Smiles：Thrift, Excerpt 300

But another capital feature in the working of Penny Banks, as regards the cultivation of prudent habits among the people, is the circumstance that the example of boys and girls depositing their spare weekly pennies, has often the effect of drawing their parents after them. A boy goes on for weeks paying his pence, and taking home his pass-book. The book shows that he has a "leger folio" at the bank expressly devoted to him--that his pennies are all duly entered, together with the respective dates of their deposits--that these savings are not lying idle, but bear interest at 2-1/2 per cent. per annum--and that he can have them restored to him at any time,--if under 20s., without notice; and it above 20s., then after a week's notice has been given.

Source： https://www.gutenberg.org/ebooks/14418
Locator：Excerpt 300 · Verified：2026-10-19 · Verification：Short excerpt

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