A passbook or bankbook is a paper book used to record bank or building society transactions on a deposit account.

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Traditionally, a passbook is used for accounts with a low transaction volume, such as savings accounts. A bank teller or postmaster would write by hand the date and amount of the transaction and the updated balance and enter his or her initials. In the late 20th century, small dot matrix or inkjet printers were introduced that were capable of updating the passbook at the account holder's convenience, either at an automated teller machine or a passbook printer, either in a self-serve mode, by post, or in a branch.

History[edit]

Passbooks appeared in the 18th century, allowing customers to hold transaction information in their own hands for the first time. Up until then, transactions were recorded in ledgers at the bank only, so customers had no history of their own deposits and withdrawals.

The passbook, which was around the size of a passport, ensured that customers had control over their own information, and was called a 'passbook' because it was used as a way to identify the account holder without needing further identification. It also regularly passed between the bank and the account holder for updating.^[1]

When It Passes By

Usage[edit]

Credits and deposits[edit]

To add credit to an account by bringing cash to a bank in person, the account holder can fill a small credit slip or deposit slip. The total amount of each note and coin is counted and entered on the slip, along with who it is paid in by and the date. The cash and details are counted and checked by the teller at the bank, if everything is in order the deposit is credited to the account, the credit slip is then kept by the bank and the credit slip booklet is stamped with the date and then returned to the account holder. An account holder uses their passbook to record their history of transactions with their bank.

Debits and withdrawals[edit]

Withdrawals normally required the account holder to visit the branch where the account was held, where a debit slip or withdrawal slip would be prepared and signed. If the account holder was not known to the teller, the signature on the slip and the authorities would be checked against the signature card at the branch, before money was paid out. In the 1980s, banks adopted the black light signature system for passbooks, which enabled withdrawals to be made from passbooks at a branch other than the one where an account was opened, unless prior arrangements were made to transfer the signature card to the other branch. Under this system, the passbook's owner would sign in the back of the passbook in an invisible ink and the signing authorities would also be noted. At the paying branch, the signature on the withdrawal slip would be checked against the signature in the book, which required a special ultraviolet reader to read.^[2] Nowadays, customer verification is more likely to be by PIN and commonly from an automated teller machine.

Direct banking[edit]

For people who feel uneasy with telephone or online banking, the use of a passbook is an alternative to obtain, in real-time, the account activity without waiting for a bank statement. However, contrary to some bank statements, some passbooks offer fewer details, replacing easy-to-understand descriptions with short codes.^[1]

Gallery of passbooks[edit]

• Passbook gallery

• Saffron Building Society passbook

• German Postsparbuch, cover

• German Postsparbuch

See also[edit]

• Sberkassa, the bankbook heritage from the Soviet Union

References[edit]

1. ^ ^ab'Back to the future' savings passbook trumps the internet'. The Telegraph. June 12, 2012.
2. ^'Commonwealth Bank – The School Bank (1951)'. Australia Screen. Retrieved 23 December 2012.

Half Moon Bay State Beach Campground is now on the new reservation system, ReserveCalifornia. Campsite reservations must be made through ReserveCalifornia by calling 1-800-444-PARK (7275) or through their website at www.reservecalifornia.com.

Visiting Half Moon Bay

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Four miles of broad, sandy beaches stretch out to welcome visitors to Half Moon Bay. This picturesque setting is ideal for sunbathing, fishing and picnicking. A campground provides accommodations for those who wish to visit longer.

Facilities/Activities
The Half Moon Bay State Beach Visitor Center is open Saturdays and Sundays. Admission to the Visitor Center is free. The Visitor Center is completely accessible to those with disabilities. Come on in and learn about the exciting world of the beach and experience the cultural history of the Coastside.
Francis Beach has a campground with 52 individual sites, some suitable for tent camping, others for trailers or recreational vehicles. Some campsites have electrical hookups. Water and sewer hookups are not available, but there is a dump station and a water filling station. Rental RV’s are not allowed to be dropped off or picked up from the park.

Coin-operated hot showers are also available. (approximately 2 minutes per quarter)

Venice Beach has outside showers and flush toilets.
Coastside Trail runs along the eastern boundary of the four beaches providing close to a three mile stretch to walk, jog or ride bikes. The trail continues north to Pillar Point Harbor.

Basic Park Information

FIRES are NOT allowed on the beach.

HORSES are allowed on the dirt Coastside Trail from Venice Beach to Francis Beach. While in the state parks, horses are restricted to the designated horse trail and are not permitted on State Beaches.

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DOGS are prohibited on the beaches at all times. Dogs are permitted in the campground, in the day-use picnic areas, and on the Coastal Trail. Dogs must be controlled with a leash of no more than six feet at all times.
Where Can I Take My Dog.pdf

BEACH WHEELCHAIR - The all-terrain beach wheelchair is available for use by the public at no cost, and may be checked out from the Francis State Beach entrance station on Kelly Avenue. Unlike street wheelchairs, this specially designed chair has large balloon tires which allow the chair to be used on the beach without sinking into the sand. With this chair, wheelchair users may access the beach at several locations along the Half Moon Bay coast. The purchase of the wheelchair was made possible, in part, from a grant by the local chapter of the Lions Club.

OCEAN SAFETY - Always use caution when you are in or near the ocean. The ocean water is very cold year round. Even a short swim can cause cramps or hypothermia (a life threatening condition which occurs when your body temperature drops below normal). In addition, strong rip currents can pull even the most experienced swimmers off shore.

DRONES are not allowed in the park. To protect wildlife and cultural resources, and for the safety and welfare of visitors and staff, the park is closed to the use of Model Aircraft, Unmanned Aircraft Systems (UAS), and Gliders in flight.

COLLECTING is not allowed. Please refrain from removing shells, driftwood, and other natural beach features.

FIREWORKS are prohibited.

SPECIAL EVENTS and weddings require a permits. For permit information contact: San Mateo Sector Office (650) 726-8819 or email SMPermits@parks.ca.gov.

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FILM & PHOTOGRAPHY PERMITS: For information on obtaining these permits please contact the park directly at (650) 726-8815.

• Friendly Acres/Sea Horse Ranch (Horseback trail rides)

Teachers

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Schedule your class for a free field trip to the San Mateo coast and visit Half Moon Bay State Beach, Pescadero Marsh State Natural Preserve, or Bean Hollow State Beach. We offer a variety of hands-on programs for school groups K-12 focusing on shoreline habitats. All field trips are approximately 2 hours long. You are invited to stay and eat lunch at our picnic tables over-looking the beach.

Click here for more information.

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Kids2Parks is an innovative park-equity program to bring students from Title 1 schools to State Park field trips. The program, a partnership between California State Parks and Friends of Santa Cruz State Parks, increases the number of students who have visited a state park or beach by reducing barriers to access. The program offers transportation funding for field trips to select Title 1 schools in Santa Cruz, San Mateo, and Santa Clara counties. For more information, and to apply please visit www.thatsmypark.org/visit/k2p/.