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An empirical history of the United States Postal Savings System

Author: Steven Sprick Schuster; Matthew Jaremski; Elisabeth Ruth Perlman; National Bureau of Economic Research,
Publisher: Cambridge, Mass. : National Bureau of Economic Research, 2019.
Series: Working paper series (National Bureau of Economic Research), no. 25812.
Edition/Format:   eBook : Document : EnglishView all editions and formats
Summary:
Seeking to reach the unbanked, the United States Postal Savings System provided a federally insured savings alternative to traditional banks. Using novel datasets on postal deposits, demographic characteristics, and banks, we study how and by whom the System was used. We find the program was initially used by non-farming immigrant populations for short-term saving, then as a safe haven during the Great Depression,  Read more...
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Details

Material Type: Document, Internet resource
Document Type: Internet Resource, Computer File
All Authors / Contributors: Steven Sprick Schuster; Matthew Jaremski; Elisabeth Ruth Perlman; National Bureau of Economic Research,
OCLC Number: 1100472530
Notes: "May 2019"
Description: 1 online resource (39 pages) : illustrations, maps.
Series Title: Working paper series (National Bureau of Economic Research), no. 25812.
Responsibility: Steven Sprick Schuster, Matthew Jaremski, Elisabeth Ruth Perlman.

Abstract:

Seeking to reach the unbanked, the United States Postal Savings System provided a federally insured savings alternative to traditional banks. Using novel datasets on postal deposits, demographic characteristics, and banks, we study how and by whom the System was used. We find the program was initially used by non-farming immigrant populations for short-term saving, then as a safe haven during the Great Depression, and finally as long-term investment for the wealthy during the 1940s. However, even during the earliest period, Postal Savings was only a partial substitute for traditional banks, as locations with banks often still heavily used postal savings.

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