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Coins.jpgThe original customer information leaflet entitled “An Account at Martins Bank” makes its debut in the late 1950s when Martins is busy opening new branches and encouraging the World and his wife to come in and deposit some cash.   This version is particularly of its time, and provides what might be seen nowadays as a slightly condescending guide to the obvious.  We must remember however, that these are the days when ordinary household finances are for the most part conducted from jars and boxes of coins, carefully labelled with the names of various utilities, and that cash reigns supreme.  Representatives of any number of companies call at you door to receive payment in cash, and you literally account for every physical penny. The idea of letting a bank do these things for you is still seen by most ordinary people as the domain of the rich and famous, and many people are still living their daily lives without knowing what a cheque looks like.  Put all this against the background of “An Account at Martins Bank”, and you will see that the Bank is not simply touting for business, it is trying to persuade huge numbers of ordinary people that conducting a banking account  IS for them, and it is also safe and easy to do…

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Why you need a Banking account

It is not necessary to be rich to have a banking account, but more and more people are beginning to appreciate the wisdom of keeping their money in a bank where it is absolutely safe from loss. Martins Bank offers you a first class banking service whether you are wage-earning, salaried or of independent means. Let us tell you about it.

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Husband Wife and Baby.jpgThere are two main ways in which a banking account can be of great help; in the first place, as an orderly and systematic way of conducting your affairs, and secondly as a means of saving. Similarly, there are two main types of account you can open at a bank, a current account and a deposit account. The first is the usual type of account into which you can pay the money you receive and out of which you can draw cash as you require it or pay your various outgoings by cheque. For instance, you can pay in your salary cheque each month or arrange for it to be credited direct, or you can pay in money from your weekly wages and any other cheques or divi­dends you may receive; and all your outgoings such as coal, gas, electricity, rent, rates, taxes, insurance premiums, hire purchase instalments and so on can be paid by cheque. Or, if you are a housewife, you can pay in your housekeeping allowance and settle your accounts at the various shops by cheque. The bank keeps a proper statement of the account and any time you wish to know your exact position you can ask for this statement or it can be sent to you by post. In one column you will see all the amounts paid in and in another all the amounts paid out, the remaining balance being clearly shown. This enables you to have a complete record of your financial affairs and to know where your money has gone, and that is a big step towards saving some of it.  You can, if you wish, have a separate account for your savings which will earn interest: this is a deposit account” and you can, of course, open an account of this kind even if you feel you do not need a current account. There is no charge for keeping a deposit account. In view of the work involved in operating a current account, the manager may find it necessary to make a small charge in some cases, but he will be glad to explain why, when you call upon him. If you call on, or write to, the Manager of any of the Bank's branches, he will be pleased to give you full details and help you to decide which type of account will suit your needs.

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Home Safe accounts

The Bank also opens savings, or “Home Safe” accounts. The “safe” is in the form of a little book into which odd coins may be slipped. It can be emptied at the Bank and the amount entered into the bank book. Such accounts bear a special rate of interest.

 

Your cheques cashed

The Bank will arrange for you to cash your cheques anywhere in the country where there is a bank, either at one of our branches or at a branch of one of the other banks.

 

Insurance premiums club subscriptions

and other regular payments

Martins Bank will, if desired, pay your insurance premiums, club subscriptions and other regular payments when they become due.

 

Investment service

If you want help or advice about investments, our Managers will gladly obtain for you advice from the experts in such matters.

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Foreign currency and Travellers' Cheques

If you go abroad the Bank will supply foreign currency and travellers' cheques which can be exchanged for foreign currency.

 

Your Income Tax

The Bank will also attend to your Income Tax affairs.

 

Your Will

The Bank will act as Executor or Trustee for you.

 

A reference supplied

They will also supply a reference for you, a useful facility if you are applying for a passport, or opening a shopping or credit account.

 

Your valuables guarded

Personal Loans.jpgThe Bank provides accommodation in their strong rooms and safes for your deeds, share certificates, or other documents of value; and for locked boxes or sealed parcels containing jewellery or other valuables. In all these matters strict secrecy is observed and your affairs will not be divulged to any other person, relation or otherwise, without your knowledge and permission.

 

Personal loans

Martins will grant personal loans for important items of expenditure. Usually no security will be required as the integrity and character of the borrower and ability to meet the regular repayment instalments are the deciding factors. This is a simple and advantageous way of raising a lump sum of money. Please ask for a copy of our Personal Loans Leaflet, which gives full details of the facilities. All these advantages are yours as the possessor of a banking account, current or deposit. In addition, at any time you may draw upon the experience and knowledge of your bank manager and his friendly help and guidance without obligation. All you need to do is make an appointment with him or write to him.

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A word about Martins

Coat of Arms.jpgAt this point we ought to try to tell you something about our­selves. Martins Bank operates over 600 branches throughout England, Wales, the Channel Isles and the Isle of Man. The Bank started as the Bank of Liverpool over 125 years ago but the old private bank, Martin's Bank, London, which became part of the larger bank in 1918, dates back to 1563—and the grasshopper in the Bank's coat of arms is the emblem which Sir Thomas Gresham, the famous Elizabethan financier, displayed outside his house in Lombard Street, where our principal London office now stands, and where banking business has been done without a break since the sixteenth century. Incidentally, the bird which is prominently displayed on our coat of arms is the Liver Bird of Liverpool.

 

Manager Greets Customer.jpgThe constant aim of our managers and every member of our staff is the maintenance of a friendly personal relationship with every customer, whose presence in the bank is always welcomed whether he has £1 or £1,000 in his account. Again and again our customers tell us "Martins Bank is such a friendly bank" and we train our staff in the tradition of the family, all working together for what is, in many respects, a great public service. It is also of interest to note that in the course of our growth we have absorbed or amalgamated with over thirty smaller banks, many of them family concerns steeped in the same excellent tradition. We hope, after what we have said, that you will feel that we have something to offer you and you will now want to know how to set about opening your account and how to conduct it.

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How to open an account

Any adult person can open an account by walking into any branch and asking to see the Manager. If he is not available, the cashier can handle the routine details equally well. Accounts can also be opened for those who are not yet 21, students and young people, maybe but not necessarily living away from home and who can appreciate the responsibilities entailed in having a cheque book. The procedure is perfectly simple: you will be asked for your full name and address, a reference, and a specimen of your signature so that the officials of the bank may familiarise themselves with it and have it available for comparison when necessary. The person to whom reference may be made must be someone who knows you. This can be discussed at the time of opening the account and the Manager will guide you as to who is a suitable person. You will appreciate that asking for a reference is a general safeguard of the banking system before a book is issued.

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Paying money in

stanley richards statementAfter the formalities have been completed the thing to do is to place a sum of money to the credit of the newly-opened account. The sum need only be a few pounds, and indeed many of our customers start in a very small way.

 

You can have a paying-in book if you wish and, as counterfoils are provided, you can keep a record of all sums you pay in and check them off against your statement of account from time to time. Some people use the loose credit notes provided in the boxes at the counter and these are supplied without counterfoils.   Many people do not counterfoils but you may prefer to have one which the cashier will stamp and return to you when he receives your money.

 

You can pay in cheques, money orders, orders and dividend warrants as well as cash, and you can pay in at any branch of any bank as well as your own, so long as you remember to put the name of your own bank and branch on the credit note in addition to the name of the account to be credited. The receiving bank will send it to your bank the same day.

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The use of a cheque book

The Bank makes no charge for a cheque book, but collects the value of the stamp duty of 2d. to which each cheque is liable and hands it over to the Revenue Authorities. Cheques for current accounts are made up in books of twelve costing 2/-, twenty-four costing 4/-, or in larger sizes to suit requirements. The use of a cheque avoids the necessity of carrying large sums of cash about with you and provides a convenient record of the payments you make from your balance in the Bank. You can give cheques to nearly everyone to whom you owe money. You also, of course, use a cheque to get money from your account for yourself and, as we have mentioned earlier in this booklet, one of the great advantages of having a banking account is that we can arrange for you to draw cash yourself at any branch of any bank in the British Isles.  This is an additional convenience if you are staying in a place where we have no branch of our own.  You have to sign each cheque, as this is your authority to us to pay it, and it must also be dated and the name of the person or firm who is to receive the money written  upon it;  and,  of course, the amount which must be both in words and figures. This latter proviso is a safeguard against the accidental insertion of a wrong amount. When  filling in your cheques there are a few simple rules to be observed for both your protection -

and ours.

 

1.      Please always write your cheques in ink…

 

2.      Start writing as far over to the left-hand side as possible and do not leave spaces between words. The same remarks apply to figures. Remember that 'seven' could be altered to 'seventy' and '£7' to '£70' if space is left. Draw a line through any blank space on your cheque…

 

3.      If you make a mistake, alter it in a legible way preferably by crossing it out and re-writing the altered word or figure, and sign your name against each alteration…

 

4.      Always sign in the same manner as you did when you gave the specimen of your signature on opening your account, otherwise its correctness may be queried…

 

5.      Remember to fill in the counterfoil. Not only is this a record of the cheques you issue to keep you up to date with your financial position, but you can check the counterfoils  against your bank statement and should a cheque be lost or for any reason you wish to stop payment of it, you will have the exact details to give to the Bank…

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The Correct way to Write a Cheque…

…Incorrect

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When sending cheques through the post and, in fact, in nearly every case, except where you want to draw cash yourself, it is a valuable safeguard to 'cross' your cheques in the manner indicated in the illustration. The effect of this is to prevent anyone from getting cash over the counter if, for example, you dropped a cheque in the street and someone picked it up and tried to cash it. A crossed cheque has to be paid into a banking account and cannot be cashed across the counter. Your cheque book can be supplied already crossed or you can draw the two parallel lines on each cheque yourself as you use it. The disadvantage of a book of crossed cheques is that v/hen you want to draw money yourself you have to cancel the crossing by writing between the parallel lines 'Please pay cash' and adding your usual signature…

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Crossed…

Uncrossed…

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While on the subject of the cheque book it is appropriate to mention how to deal with cheques which you yourself may receive from time to time. You must first see how the cheque has been made out. If it is crossed and payable to you, you must pay it into your account, or if you wish to pay it over to a third party you must write your name on the back in the same manner as it appears on the front. If the cheque is not crossed and you should wish to cash it instead of paying it into your account you must endorse it in exactly the same way. The cashier will guide you and soon you will find it all quite simple to understand…

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Sep 1.jpg…to draw Cash

…endorse a Cheque

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   Cheque payable to Miss Joan Price  - Endorse Joan Price (NOT Miss Joan Price)

   Cheque payable to Capt. John Robinson  - Endorse John Robinson, (NOT Captain John Robinson)

   Cheque payable to Mrs. William Smith  - Endorse Rosemarie Smith wife of William Smith (NOT William Smith)

   Cheque payable to Henry Taylor Esq.  - Endorse Henry Taylor (NOT Henry Taylor Esq).

   Cheque payable to Dr. J. Ward  - Endorse  J Ward (NOT Dr. J. Ward)

   Cheque payable to Nurse Allen  - Endorse Hilda Allen (NOT Nurse Allen)

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Safety Precautions

 

1.      Always keep your cheque book in a safe place where no one can have access to it but yourself. Never leave it lying about, as there is always the danger that cheques might be torn out of it by someone and improper use made of them.

 

2.      Never sign your name on the cover—someone might copy your signature on to a cheque.

 

3.      Never sign a cheque and leave the other spaces blank—someone might complete the cheque and obtain money on your signature.

 

4.      Never allow anyone to have a cheque out of your book, even if that person represents himself to be a customer of the Bank.

 

5.      If your cheque book is missing or if you mislay a cheque out of it, inform your bank manager imme­diately and ask him to stop payment of it.

 

 

george brown's statementYour statement of account

 

As has been explained, the counterfoils of your paying-in book and cheque book provide a record of the sums you have paid in to your account, and of the amounts you have withdrawn. If you have asked the Bank to attend to any other payments on your behalf or if your wages, salary or dividends are to be paid direct into your account, you may not know the exact details until you ask to see your statement.

 

We have not gone into great detail but if there is anything about which you would like more informa­tion, please call in at the branch most convenient for you. We shall be delighted to make your acquaint­ance and we very much hope that you will have been sufficiently attracted by the impressions you have formed of us after reading this booklet to have made up your mind to join the great band of satisfied customers who Bank with Martins.

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Martins Bank Limited

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Head Office Water Street Liverpool, 2

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District Offices

Leeds 28-30 Park Row                                              

Liverpool 4 Water Street, 2

Manchester 43 Spring Gardens, 2

Midland 98 Colmore Row Birmingham, 3

North Eastern 22 Grey Street Newcastle upon Tyne, 1

London 68 Lombard Street E.C.3.

 

Over 600 branches throughout the country

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