THE  POSTAL  SAVINGS  BANK  ACT  23

asserted  that  the  creation  of  a  board  of  trustees
was  unnecessary,  that  it  complicated  the  administration, ­
  and  that  the  board  as  created  was  given
too  much  power,  particularly  in  the  selecting  of
post  offices  to  be  postal  savings  banks.
The  desire  to  give  wide  discretionary  power  to
the  administration,  which  was  the  motive  of  the
change  from  a  single  head  to  a  board  of  trustees,
found  expression  in  the  provision  for  opening
postal  savings  banks. 4  As  the  bill  came  from  the
Senate  to  the  House  it  provided  for  the  establishment ­
  at  once  of  postal  savings  banks  in  all
first,  second  and  third  class  post  offices;  while
the  bill  as  it  passed  the  House  and  finally  became
law  merely  authorized  the  Board  of  Trustees  “to
designate  such  post  offices  as  it  may  select  to  be
postal  savings  depository  offices.”  On  this  point
the  bill  met  vigorous  opposition.  It  was  urged
1  he  postal  savings  laws  and  the  official  administrative
orders,  regulations,  announcements,  etc.,  with  few  exceptions, ­
  avoid  the  use  of  the  term  “bank”  in  referring  to  the
post  offices  which  receive  postal  savings  deposits.  A  post
office  which  receives  such  deposits  is  usually  called  a  postal
savings  depository,  or  a  postal  savings  depository  office,  and
a  bank  receiving  postal  savings  funds  on  deposit  from  the
postal  savings  system  is  known  as  a  depository  of  postal
savings  funds.  Fortunately  the  public  need  not  follow
ese  circumlocutions.  In  this  volume  a  post  office  receivdeposits
  will  be  called  a  postal  savings  bank,  and  a
anking  institution  receiving  postal  savings  funds  will  be
Ca lled  a  depository  bank.