There was a time banks were a friendly institution, offering all kinds of services—many for free. As we know those days are long gone, like a. decent interest rate on savings account.

Anyhow, I came across this 1928 advertisement wherein the Lassen Industrial Bank offered Christmas Club accounts. I had no idea that this program dated that far back. Last time I recall, and some one could correct me, Christmas Club accounts went by the wayside in the 1980s. Along those same lines, many merchants had lay-away programs, where one could pay upfront in installments for a piece of merchandise, though some places are bringing that back. Times have changed.

Tim