US1664897A - Pass book for banks - Google Patents

Description

April 3, 1928. 1,664,897

A. s. PILBROW PASS BOOK FOR BANKS Filed May 51, 1927 w? .m ACCOUNTVWITM T Es'" BANK ANomusrcoMPANv SAVE & VE C SAVE & SAVE 62 SAVE Patented Apr. 3, 1928.

UNITED STATES ALFRED GEORGE PILBROW, CHICAGO, ILLINOIS.

PASS BOOK FOR BANKS.

Application filed May 31, 1927. Serial No. 195,169.

The invention relates to pass-books of the type used for savings bank accounts.

It is now common practice to provide these pass-books with an outer leaf, along one of the side margins of which there is left a space for the number of the account and the insertion of the depositors name subjoined to which is the caption and columns for the entry of the date of a transaction, the deposit, and interest credits, the withdrawals, and the balances. Inside of this outer leaf are leaves with similar columns and titles, but which are shorter than the leaf containing the caption and depositors name, so that during the making of entries on the subsequent pages, the teller can observe the name of the depositor and the number of the account. The cost of manufacturing these books is increased by the additional work involved in placement of the short leaves in correct position on the outer leaf, preparatory to binding them to gather. This added cost involves a con siderable added expense on the part of the bank which furnishes these pass-books to the depositor without charge.

One object of the invention is to provide an improved pass-book which can be produced at a lower cost by eliminating the necessity of care and hand-work in binding the short leaves between the leaf containing the title and the depositors name.

Another ob'ect of the invention is to provide a book 0 this type in which location by the teller of the page containing the last entry will be facilitated. A still further ob 'ect of the invention is to provide in these ooks an additional space for advertising matter.

The invention consists in the several novel features hereinafter set forth and more particularly defined by claims at the conclusion hereof.

In the drawings: Fig. 1 is a perspective of the book. Fig. 2 is a plan of the book opened at the title pa e. Fig. 3 is a similar view opened at one o the succeeding pages. Fig. 4 is an end view with the leaves separated and with the margins of some of the intermediate pages torn off after they have been filled.

The invention is exemplified in a book comprising a cover a of any suitable material, an outer sheet 5, and a series of intermediate sheets a of any desired number.

' Each of these sheets is substantially conterminous with the margins of the cover and all are secured thereto by a line of stitches d which extends through the back or on the folding line of the cover. The sheet 2) forms the first of the account pages of the book and is provided along one of its side margins with a space a, in which the name of the depositor will be written by the teller when issuing the book and with an identifying number a adjacent the same margin. Beneath the space a, there is printedthe caption a usually containing the name of the bank issuing the book and a subjoined date column a*, an interest column at, withdrawal column a, a deposit column a and a balance column a, with cross rulings for consecutive entries of all of the transactions. The columns and cross rulings are continued from the inner margin of the title page across the first page formed by one of the intermediate sheets 0. Each of the leaves of the intermediate sheets is provided with a line of perforations a substantially parallel to its outer side margin so that the portion or slip c of each leaf which overlies the name space a and number space (1 when the book is closed, may be torn off as the successive pages are filled with entries. The columnar indlcations a, a, a, a. and w are repeated on the outer left hand margin of each of the intermediate pages, so that as the strips 0 of each leaf is removed, they will be,visible under the name of the depositor and for convenience in carrying the account forward from the preceding pages of the book.

In practice, it is customary to number the pages consecutively, as at a, so that the removal of any of the leaves may be detected. The line of perforations 0' makes it possible to remove the marginal strip 0 when the right-hand page formed by an intermediate leaf has been filled with entries. The strip 0 is utilized for advertisin material or the like.

i 11 use the name of the depositor is entered in the space a when the book is issued. After the title page of sheet b and the opposite page formed by the first of the intermediate sheets a has been filled, the teller will tear off the strip 0 of the first of the with entries. The removal of this strip makes it ssible for the teller to read the name of t e depositor and the number of the book while continuing the entries on the last mentioned pa es until the last of them has been filled. 11 making the first entry on the succeeding page of one of the interme diate sheets a, he will tear off the slip a, so that while the two next succeedin pages are being filled with entries, the tel er can observe the name of the depositor and the number of the account. As the result of tearing off the marginal slips 0, the opening of the book at the page where the last entr occurs will be facilitated, because the te ler can place his thumb over the remaining marginal portions 0 of the u'ntorn leaves and conveniently slip it into position to open the book at the page where the last entry occurs, thus greatly facilitating the tellers work.

The invention exemplifies a pass-book, particularly adapted for savings accounts in which the ex ense incident to the manufacture bi boo s, composed of intermediate leaves which are shorter than the leaf containing the name of the depositor and caption, will be saved, thus materially reducing the cost of these books. It also exemplifies a book which facilitates the opening of the book by the teller or depositor at the page containing the last entry and usually show: ing the balance in the account. It also exemplifies a book for this purpose in which Y the marginal slips which are torn off are utilized to bring advertising or other matter to the attention of the depositor.

In practice, additional sheets having their margins conforming to the mar in of the cover may be used between the s eet b and the cover for informative matter concerning the bank, and it is'to be understood that these may be used, if desired, but that they do not form any part of the present inventlon.

The invention is not to be understood as restricted to the details set forth, since these may be modified within the scope of the aegpended claims, without departing from e spirit and scope of the invention.

Having thus described the invention, what I claim as new and desire to secure by Letters Patent, is:

1. A pass-book for banks comprising a cover and a series of sheets with conterminous ed es fixedly secured in the cover, one of the s eets being provided on one of its faces with appropriately designated space for the insert1on of a name along and across one of its side margins, the leaves following the name-leaf being each provided with a line of perforations substantially parallel to and ad acent its side edge, extending substantiall from the top tothe bottom edges and ren ering the portion thereof which laps said name-space removable, so that the name will be exposed when the strip is removed, the successive ,sheets having thereon columnar indications for the consecutive entries of an account.

2. A pass-book for banks comprising a cover and a seriesof sheets with conterminous edges secured along a medial line to the cover to form permanently connected leaves, one of the sheets being provided on one of its faces with appropriately designated space for the insertion of a name along and across one'of the side margins of one of its leaves, the leaves following the name sheet being each provided with" a line of perforations substantially parallel to and adjacent its side edge extending substantially from the top to the bottom edges and rendering the portion thereof which laps said namespace removable, so that the name will be exposed when the strip is removed, the successive leaves having thereon columnar indications for consecutive entries of an account.

Signed at Chicago, Illinois, this 21st day of May 1927.

ALFRED GEORGE PILBROW.

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