172
INDEX
Carter, Senator T. H., author of Carter bill, 6.
Carter bill, 6.
Certificates of deposit, adoption of, by Board of Trustees, 56-
57 ; compared with pass books as means of showing deposit
credits, 30-31.
Children, as depositors of postal savings, 62-65, 92-93.
Cities, postal savings deposits in, 72-74, 129.
Compensation of postmasters in postal savings offices, 53-54.
Competition of postal savings system with banks, 12-16, 76-79.
Compound interest on postal savings deposits, non-payment of,
99-100.
Concentration of postal savings deposits in cities, 129.
Constitutionality of postal savings bill, debated in Senate, 37-42;
Senator Bailey’s views on, 38-41 ; Senator Root’s views on, 41-42.
Cortelyou, G. B., Postmaster-General, cited, 3.
)
Decentralized system of depository banks, 128-131.
Deficit in operation of postal savings system, disappearance of,
in 1914, 90-91.
Depositors in postal savings offices, age grouping of, 63-65; geo
graphic distribution of, 66 et seq.; map showing geographic
distribution of, 67; nativity of, 57-62; privileged to invest sav
ings in U. S. bonds, 45-48; table showing age grouping of, 64;
table showing nativity of, 59; tables showing geographic dis
tribution of, 68, 69.
Depository banks, amount of interest paid by, compared with
amount paid to postal savings depositors, 102-103; bill to
change character of, vetoed in 1914, 114-115; character of,
changed in 1916, 115-116; decentralized system of, 128-131;
decline in number of, 111-112; interest rate paid by, 102-103,
124-125; out of town, 119-120; private banks as, 110-111; quali
fications of, 110-111; selection of, under Act of 1910, 106-107;
should include savings banks, 130-131; state banks as, 110 et seq.
Depository post offices, large number of inactive, 54-55; selection
of, 23-24, 53-55.
Deposits in postal savings offices, arguments against limitations
on size of, 88-91; arguments favoring limitations on size of, 91-
95; concentration of, in cities, 129; exemption of, from attach
ment for debt, 92-93; exemption of, from taxation, 93-95; geo
graphic distribution of, 66 et seq. ; growth of, 98-99; interest
paid on, 31-35; limitations on size of, 24-25, 85 et seq. ; map
showing geographic distribution of, 71; method of crediting,
30-31, 56-57; not affected in legal rights by war, 84-85; per
capita amounts of, in cities, 73-74; per capita amounts of, in
U. S., 74-75; provisions for, in Act of 1910, 24-30; sources of,
75-79; tables showing geographic distribution of, 68-69, 73, 74;
withdrawals of, 25-30, 101-104.
Deposits of postal savings funds in banks, interest paid on, 102-
103, 124-125; provisions for, in Act of 1910, 106 et seq. ; regula-
