After the first account is opened the rest is easy.
On the second, as on all subsequent visits, the deposit book, with the amount to be entered, is handed to the receiving teller. He counts the money, makes a record of it for his own use, enters it on your book as a deposit, and hands the book back. That is all.
Whenever interest is due it is written down in the book as if it were a cash deposit.
The interest, if desired, will be paid in cash, but if allowed to remain, it begins at once to earn interest for itself.
Interest grows like a rolling snow ball. On such small beginnings great fortunes have been built.
Savings banks keep a reserve, made up of earnings in excess of interest and all expenses.
This reserve earns money.
The money so earned is reckoned as a net profit, and it may be distributed, and usually is, among its depositors as a "dividend."
THE LIMIT OF DEPOSIT
Different banks have different limits of deposit, that is fixed sums beyond which they will not receive.