On that day, John Hector, the bank's sole employee, opened the bank's books and the doors of its single room office, which was provided, free of rent, by the Glen Osmond Union Mining Company, in Gawler Place, Adelaide. That same day, the historic first deposit marked the Savings Bank as the 'people's bank' for generations to come. The bank's first depositor was an Afghan shepherd, who entrusted his life savings of 29 pounds to the newly formed bank.
The teller recorded his name as Croppo Sing a phonetic rendering of Singh and, like so many others in the early days of the colony, Croppo, who was illiterate, signed his name for his bank account with an 'X'. Singh's deposit was made by his employer, William Fowler of Lake Victoria, and was initially incorrectly recorded in Fowler's name.
This error was later corrected, which cemented Croppo Singh's place in the history of the state and the history of South Australia's bank. It was just a month before the fledgling bank made its first loan. The loan, as became typical throughout the bank's history, was for housing and farming.
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