M.

• Maitland, Mr., of Edinburgh, 258 note.
• Managers of Savings Bank: combine to oppose Mr. Goulburn's Act, 128;
  • meet in London to oppose Sir C. Wood's scheme, 147-9;
  • are examined before the Committee of 1858, 165;
  • object to Government using their money, 173;
  • differences of opinion amongst, 260-2;
  • many object to take small deposits, 264;
  • differ as to notices of withdrawal &c., 265.
• Manchester Savings Bank, 240-1;
  • compared with the Liverpool Savings Bank, 242.
• Masters of Workmen: deducting part of the wages of their operatives for investment in Savings Banks, 272;
  • their attention directed to the regulations for Government Annuities and Insurance, 363;
  • their duties, 385;
  • how they may assist their workmen, 387-8.
• Mechanics' Institutes, and Savings Banks, 253.
• Military Savings Banks, 243 et seq.;
  • Acts regulation, 414 et seq.
• Money Order Office: great progress of the, 285;
  • assists in the business of Post Office Banks, 330; 333;
  • all the offices to be Post Office Banks and agencies for the Annuities and Insurance business, 313; 375.
• Money of Savings Banks: security of, 56;
  • Mr. Gladstone speaks of the Government use of, 158;
  • benefits derived from the use of, 174.
• Monteagle, Lord, of Brandon examined before the Committee of 1858, 167;
  • opposes the Post Office Bank bill, 303;
  • makes a “protest” against it, 310.

N.

• National Debt Office, 155;
  • mode of proceeding in, with reference to Savings Bank matters, 170.
• Naval Savings Banks: proposals for, Appendix, 413.
• Neild, Mr. J. H., of Manchester, examined before the Committee of 1858, 165;
  • speaks as to increased facilities causing increased business, 241;
  • instances the Liverpool Savings Bank, 242.
• Newport, Isle of Wight, fraud in Savings Bank, 208-9.
• Nineteenth Century, the century of the working man, 23.
• Number of Savings Banks inadequate, 238;
  • of hours during which they were open in 1861, 239;
  • of Post Office Banks, 314;
  • of old banks which have transferred their business to the new banks, 325 et seq..

O.

• Officials of Savings Banks, the change from paid to unpaid, and results, 143;
  • compensation to, on the breaking up of institutions, 328.
• Opposition to Government measures by Savings Bank managers, 128; 141-9; 163-4; 177-80;
  • by Insurance Societies and Benefit Societies, 352; 360.

P. Q.

• Pallmer, Mr., M.P., proposes the first Savings Bank Consolidation Act, 65.
• Parochial relief to Savings Bank depositors, 52;
  • depositors compared with the number of persons in receipt of, 230.
• Pease, Mr. Joseph, M.P., on Savings Banks, 71.
• Penny Savings Banks, 246 et seq.;
  • advantages of, 249.
• Poor Laws and Savings Banks, 49-50;
  • the result of Savings Banks on, 98;
  • shown by Table, 100-1;
  • the Amendment Act of 1834, 102; 389.
• Post Office and Life Insurance, 369-70;
  • employés of, provided for by other provident measures, 387-8.
• Post Office Savings Banks: in relation to the frauds in ordinary Savings Banks, 216-17; 222;
  • their present and future position, 273;
  • Handy Book on, 274 note;
  • origination of the principle of, 274;
  • persons wrongly credited with the origination of, 275-7;
  • banks in connexion with the Money Order Office first proposed by Rev. G. H. Hamilton in 1852, 278;
  • next by Mr. Bullar of the Temple, 280 et seq.;
  • Mr. Sikes, of Huddersfield, proposes Post Office Banks, 284;
  • the nature of his proposals, 284-5;
  • addresses Mr. Gladstone in a printed letter, 287;
  • Mr. Gladstone's reply, 288;
  • the proposals are referred to the Post Office, 289;
  • important objections to them, 291;
  • Mr. Chetwynd proposes an entirely new scheme, 292;
  • is recommended by Mr. Scudamore, 293;
  • adopted by Lord Stanley of Alderley, 294;
  • Mr. Gladstone carries a bill through the House of Commons to establish the banks, 294 et seq.;
  • Lord Stanley of Alderley carries it through the Lords, 306 et seq.;
  • receives the Royal Assent, 310;
  • the benefit of the banks to the country, 312;
  • their success, 313;
  • their introduction into the country, 313;
  • the amount of business done in, 313 et seq.;
  • nature of the business done in, 318 et seq.;
  • number of, at different times, 314-15;
  • statistics relating to, 315 et seq.;
  • increase in the number of depositors in, 317;
  • have a special public, 319;
  • their progress where they were not supposed to be wanted, 320;
  • character of the new depositors in, 321;
  • result of, on old banks, 322 et seq.;
  • return of old banks which have transferred their business to, 325 et seq.;
  • mode of transacting business in, 328 et seq.;
  • information on the subject of, where obtainable, 329 note;
  • as to depositing money in, 329-32;
  • as to withdrawing money out of, 333;
  • internal arrangements of chief Savings Bank, 333-4 note;
  • cost of transactions in, 334-5;
  • the peculiar advantages of, 335 et seq.;
  • how affected by frauds, 336;
  • security, 335;
  • despatch, 336;
  • secrecy, 337;
  • engage to take small sums, 338;
  • rate of interest in, 338 et seq.;
  • Government Annuities scheme, an offshoot of, 350; 360;
  • assist depositors in the matter of Government Annuities and Insurance, 367;
  • Act regulating, Appendix 416 et seq.;
  • further progress of, Appendix 430.
• Pratt, Mr. John Tidd: appointed certifying barrister, &c. of Savings Banks, 67;
  • his connexion with the Cuffe Street bank, 117;
  • urges the reduction in the limit of deposits, 124;
  • his powers are enlarged, 125;
  • is blamed on account of Irish banks, 136; 139;
  • exonerated by a Committee of Inquiry, 140;
  • gives evidence before the Committee of 1858, 165;
  • is consulted as to the Consolidation Act, 182;
  • makes awards in the Tralee bank frauds, 191;
  • in the Killarney case, 193;
  • attends at Bilston on account of the frauds there, and explains them, 213-15.
• Preliminary Savings Banks, 253-4.
• Progress of Savings Banks: in their []earlier stages, 89;
  • shown by Table, 91;
  • shown by Table, 97;
  • shown by Table, 227;
  • rate of, at different periods, 229;
  • of Post Office Banks, 313 et seq.;
  • progress of the additional measures, 375-7.
• Progress of the country, between 1824 and 1840, shown by statistics, 103;
  • shown again by statistics, 230-1.
• Provident habits, increase of, 99;
  • importance of cultivating, 378-80;
  • masters of workmen should help to cultivate, 386-7;
  • want of among large numbers, 390.
• Provisions of the first legislative enactment on Saving Banks, 52-3;
  • of the first Consolidation Act, 67-8;
  • of the first bill to grant Annuities, 70;
  • of Mr. Goulburn's Act of 1844, 127;
  • of Sir Charles Wood's bill of 1850, 145 et seq.;
  • of the Government Annuities and Insurance scheme, 364, et seq.;
  • of the Acts at present in force with regard to Savings Banks, Post Office Banks, Annuities, and Government Insurance, Appendix.
• Quarterly Review, on Dr. Duncan, 30-31;
  • on the prosperity of the country in 1826, 92;
  • on the progress of Savings Banks, 80;
  • makes proposals for a system of banks, 273-4;
  • on compulsory investment of workmen's earnings, 389;
  • on Co-operative Societies, 383 note.

R.

• Rates of Interest: proposals to reduce the, 60; 75-6; 147;
  • difference of opinion on the question, 262;
  • different in different banks, 263;
  • in Post Office Banks, 338 et seq.; equalization of, 340.
• Reading Bank fraud, 203-4.
• Reform, agitation of 1831 & 2, 96;
  • its consequences on Savings Banks, 98.
• Reynolds, Mr., M.P., speaks on the Dublin Bank fraud, 136;
  • proposes and carries a Committee of Investigation in 1849, 138.
• Rice, Mr. Spring, defends the rate of interest given, 77;
  • opposes Mr. Hume, 78;
  • gives some interesting statistics on the matter of Savings Banks, 78. (See Lord Monteagle).
• Rochdale bank fraud, 195, et seq..
• Roebuck, Mr., M.P., on the Government Annuities bill, 385.
• Rose, Right Hon. George, establishes the Southampton Savings Bank, 26;
  • Cobbett's attack upon him, 46-7;
  • introduces the first Savings Bank bill, 47;
  • re-introduces it the year after, 49.
• Rural districts, Savings Banks in, 109.
• Ruthwell Bank: established by Dr. Duncan, 31 et seq.;
  • rules, &c. of the, 37-40;
  • character of the, 58.

S.

• Savings Banks: not an object of controversy, 16;
  • the founder of, 28;
  • the first bill for regulating, 65;
  • compared with Friendly Societies, 85-6;
  • their results on the general progress of the country, 1824 to 1840, 104;
  • their merits disputed, 106-7;
  • frauds in, Chapter VI. p. 183 et seq.;
  • progress of, 227;
  • list of counties without, 237;
  • number of, in 1860, 236;
  • absence of facilities in, 239;
  • number of hours they were open in 1860, 239-40;
  • return relating to the ten principal, 267;
  • the principal defects of the Savings Bank system, 266-8;
  • results of Post Office Banks on, 322 et seq.;
  • list of those transferred to Post Office system, 325 et seq.;
  • and Government Annuities, 348;
  • are preliminary means, 380;
  • are safe and productive, 381-2;
  • Abstracts of Acts relating to, Appendix, 400 et seq..
• Scotch Savings Banks: early Acts relating to, 57-8;
  • the Consolidation Act of 1828 extended to, 74.
• Scudamore, Mr., reports on Mr. Chetwynd's plan of Post Office Banks, 293;
  • on a scheme for working Government Annuities, 349;
  • superintends the arrangements for introducing the measure, 362;
  • devises a plan for assisting Post Office employés to insure their lives, 369.
• Seamen's Savings Banks, 245-6;
  • Act regulating, 412-13.
• Secrecy in connexion with Post Office Banks, 337.
• Security of Savings, the most important consideration, 51;
  • erroneous impression as to Government security, 133;
  • in Post Office Banks, 335.
• Sharman, Mr., Handy Book, 274; 276; 329 note.
• Sheridan, Mr., M.P., on Friendly Societies, 357.
• Sikes, Mr. C. W., of Huddersfield;
  • is a witness before the Committee of 1858, 164;
  • his evidence, 167 note; 174 note;
  • on the increase of facilities, 242;
  • some particulars of his life, 250 et seq.;
  • proposes Preliminary Banks, 253;
  • writes a pamphlet called “Good Times,” 255;
  • addresses Sir G. C. Lewis on Savings Bank reforms, 256;
  • his recommendations, 257-8;
  • Government Banks, 274;
  • proposes Post Office Savings Banks, 283 et seq.;
  • addresses Mr. Gladstone on the subject, 287;
  • defects of Mr. Sikes's plan, 291;
  • supports the Government scheme, 301.
• Slaney, Mr., M.P., on Savings Banks, 73; 151.
• Smith, Rev. Thomas, of Wendover, establishes one of the first Savings Banks, 20-21.
• Southampton Savings Bank, origin of, 26.
• Spearman, Sir Alexander Y., 155;
  • gives evidence before the Committee of 1858, 166-7;
  • explains the mode of investing Savings Bank money, 170-71;
  • on the Government loss, 268.
• Stanley, Lord, of Alderley, takes charge of the Savings Bank Money bill in the House of Lords, 181;
  • introduces and carries through the House the Post Office Savings Bank bill, 306 et seq.;
  • carries the Government Annuities bill through the Lords, 362; 431.
• Statistics, relating to Savings Banks, 91; 227;
  • to Post Office Savings Banks, 315 et seq.;
  • to Savings Banks, Post Office Banks, Government Annuities, &c. Appendix, 424 et seq.
• Stillorgan Bank, the first Savings Bank in Ireland, 44.
• Sunday Bank, the, at Hertford, 27.
• Surplus Fund of Savings Banks, 64;
  • Mr. Hume on, 75;
  • can be applied to compensate Savings Bank officials, 328.

T. U. V.

• Taxation, removal of, 4.
• Taylor, Mr. E. of Rochdale, is examined before the Committee of 1858, 196; 199;
  • writes a pamphlet arising out of the Rochdale frauds, 233;
  • on Government security, 257.
• Times, The: on early Savings Banks, 84;
  • commences hostile criticism on Savings Banks, 105-8;
  • on frauds on Savings Banks, 235;
  • on Post Office Banks, 311;
  • on Government insurance, 352.
• Tottenham, an early Savings Bank at, 20.
• Tralee Bank fraud, 184 et seq.
• Transfer certificates, copy of, &c. Appendix 417.
• Treasurers, Government proposals for, 145.
• Trust accounts, legislation on, 125.
• Trustees, Liability of: 60-61;
  • unsatisfactory state of the law regarding, 111;
  • mentioned in connexion with the Hertford Bank fraud, 120;
  • legal decision on, 123;
  • Sir C. Wood attempts to regulate the, 132.
• Vansittart, Mr., M.P., on Savings Banks, 48;
  • speaks of the safety of Savings Bank money, 56.

W.

• Wages, increase in the rate of, 230.
• Wakefield, Mrs. Priscilla, establishes a bank in 1799, 19.
• Wellington, Duke of, on military banks, 243 note.
• Wendover, and early bank at, 20.
• Whitbread, Mr., M.P., introduces his Poor Law bill, 21;
  • proposes a Poor's Fund and Poor's Insurance Office, 23;
  • further reference to his proposals, 270; 346;
  • provisions of his measures. (See Appendix A).
• Wilberforce, Mr., on Savings Banks, 50.
• Willoughby, Sir Henry: opposes Sir C. Wood's bill of 1850, 150; 177;
  • is a member of the Committee of 1858, 164;
  • speaks in the House on the subject, 176;
  • assists in bringing in a bill to remedy the defects of the law, 179; 182;
  • opposes the Post Office Bank bill, 306.
• Withdrawals, notices of: a subject of dispute, 265;
  • concerning, in Post Office Banks, 232-3.
• Wood, Sir Charles: proposes to amend the law of Savings Banks, in 1848, 131;
  • opposes the motion for a Committee on Irish Banks, 137;
  • proposes compensation to the Cuffe Street depositors, 141;
  • brings in an important measure in 1850, 144;
  • explains its provisions, 145-7;
  • withdraws it, 151;
  • replies to a vote of censure moved by Mr. H. A. Herbert, 155.
• Worcester Savings Bank fraud, 225 note.
• Working classes, improvements in the condition of, 10;
  • do not need charity, 324; 385;
  • like to be advised, 386;
  • duty of employers to, 386-8.

THE END.

LONDON: PRINTED BY R. CLAY, SON, AND TAYLOR