Birmingham Municipal Bank
Aston Cross Branch
(below, left to right):
An account with deposits marked "c/a" or "Cr" (Credit Advice and Credit) - sums received from (for example)
an employer, that need to be entered into the depositor's passbook on its next presentation.
Periodic deposits made by cheque
- the indication a warning that the cheque has to be cleared before payment can be made against it.
Regular deposits made on
behalf of local Postal Workers towards their Holiday Fund.
(left): Account Number 790 has been issued a Home Safe, but a pencil note shows that the Home Safe Number has not been noted in the
depositor's passbook, so that this omission could be corrected at a future opportunity. The Home Safe Number on the passbook
was required to check that a safe's contents was being paid into the associated account.
At each March 31st, a rubber stamp indicates
the amount of interest capitalised, and the letter "B" indicates the new account balance. In the BCSB Ledger
a rubber stamp was used
for both Interest and Balance (see example right for Sept. 30th
). Both procedures were irrelevant as the account balance was always
the last figure in that column, and the practice was dropped later.
Account No: 865 - opened for the benefit of an Infant, ie a child under the age of seven
Accounts 1999/2000: the last
two accounts in the ledger, both have pencilled balances where the staff have made interim balances of the ledger.
Account marked "MORTGAGE GRANTED".
Depositor's who had obtained a House Purchase
loan from the Bank were required to
maintain a Savings Account balance, and this Rubber Stamp
was a reminder to staff to not allow the account to be closed.
No: 868 was transferred from Sparkbrook branch as indicated by the letter "G"
preceding the account number "681". A different account
is marked as "Transferred to Aston" branch - this branch is not far from Aston Cross and transfers between the two branches appears
to have been quite common.
Not all early accounts at Aston Cross branch contain small balances - by June 1924 the balance of this account is over £740.
A sticker on the inside of the Aston Cross Ledger provided the branch staff with instructions on how to calculate interest
particular reference to Deposits made on the First day of the month and Repayments made on the Last day of the month.
application of the rule is shown by an amount of £10 deposited on March 1st 1921 - interest of seven pence has been correctly allowed
and subsequently capitalised at the year end.
A regular saver (left) has deposited substantial sums as his account balance increases
over the year 1922/23 from £143/19/8d to £344/-/11d. However, his final deposit during the year fails to earn any interest in March
1923 as it was made a day too late.
This type of bound book ledger was used by the Bank in the first few years of its existence - other examples are illustrated for:
- Accounts numbered 6,001 to 8,000;
(then known as Sparkhill) - Accounts numbered 2,001 to 4,000.