Remainder Note
Remainders were unissued notes that were left over after a bank (or other kind of issuer) ceased issuing notes.
Issued Note
An issued note, unlike a proof or remainder, is a note that was actually used a money. It will have signatures, normally hand signed by the bank cashier and president, and a serial number. Sometimes dates were written in by hand. In the case of State Bank Notes, there is often a third signature from the authorizing official at the state level.
State Bank Note
State Bank Notes were paper money issued by banks authorized by a state to conduct business. The banks may have been chartered, whereby a state legislature authorized its existence, or free banks, whereby individuals who had sufficient capital could organize and file articles of incorporation with the state. The earliest state banks began in the 1780s. The note-issuing function of state banks effectively ended when a federal tax on the outstanding circulation of state banks went into effect in 1866.
