If the manager be interviewed, he may endeavour to convince either B or C, by a process of reasoning, which is more persuasive than scientific, that money is so cheap that, really, a high rate is out of the question. He will further explain that his directors, as a rule, do not make an allowance upon creditor current accounts; but should either just hint at removing his account, a rate will be instantly allowed, for competition among the banks for a large credit account is so active that the customer has only to be firm and fairly reasonable in his demands. The manager, of course, will endeavour to pay as little as possible. Of that we may be quite sure. The customer, on his side, should try to obtain the maximum rate, which is 1½ per cent. below Bank rate in London, and in the provinces the usual country rate. Original sin, not being yet eradicated from our race, a bank-manager, who is endowed with his full share, sometimes endeavours to persuade a customer to transfer sums from his current account to deposit receipt, but it is always prudent to remember that his advice is not disinterested, and that he is acting “upon instructions.” Experience proves that, after a little while, a customer becomes tired of continually transferring sums from his running account to deposit, and then, when his account is getting low, paying the deposit-receipts to his credit. Finding the process a weariness to the flesh, he often ends by giving it up in disgust, when once again the wily banker is a gainer at his expense. By obtaining a rate of interest upon his daily current-account balances the customer is spared this trouble; and, if he fail to induce his banker to grant it, then when his account is in credit beyond a certain agreed sum, he should take care to get a deposit-receipt. Bankers, like individuals, are the slaves of their environment, and in the Midlands and elsewhere, where it is usual to allow a rate on the daily balances, commission is also charged on the turn-over or sums debited. Interest upon the daily creditor balances is allowed at, say, 1½ per cent. below bank rate, and a commission of ⅛ per cent. is charged on the cheques a customer draws. The lower the rate of interest and the higher the commission rate, the more profitable, of course, is the account to the banker. The customer, therefore, when checking his banker’s charges and allowances, will take care that he is receiving the maximum rate of interest, and paying the minimum or lowest commission rate, which varies from ⅛ to ¹/₁₆ per cent., while it is sometimes possible to arrange for a reduced and merely nominal charge. A person, when he sees a “little interest” credited in his pass-book, is disposed to increase his balance, on the assumption that he is being allowed a rate; but before doing so he should certainly ascertain what the rate will be, for, upon examination, this allowance is occasionally found to appeal more strongly to one’s senses than to one’s critical acumen.