Her Majesty's Mails

He has only to apply to the old savings' bank for a certificate to enable him to transfer his deposits in that bank to that belonging to the Post-Office, and when he obtains such certificate he may present it to any postmaster who transacts savings'-bank business. The postmaster receives it as if it were so much money, and issues a depositors' book, treating the case as if the amount had been handed over to him. A few days longer are required before an acknowledgment can be sent from London; but this is all the difference between the case and that of an ordinary savings'-bank deposit[182] In the order of advantages which post-office savings' banks offer the depositor, we would rank next to their unquestionable security their peculiar convenience for deposit and withdrawal. Twelve months ago, a person might be the length of an English county distant from a bank for savings. Under the present arrangement, few persons will be a dozen miles distant from a money-order office, whilst nine-tenths of the entire community will find the necessary accommodation at their very doors. As new centres of population are formed, or as hamlets rise into flourishing villages, and the want of an office for money-orders becomes felt, the requirement will continue to be met, with the addition in each case of a companion savings' bank. Again, the expenses of management--amounting to a shilling in the old banks for each transaction, against something like half that amount in the new--will not allow of the ordinary banks being opened but at a few stated periods during the week. The post-office savings' bank, attached as it is to the post-office money-order office, is open to the public full eight hours of every working day.