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	Section 14: Progress and problems Previous Section | Main Menu | Next Section After the Civil War, the federal government issued most of the nation’s notes. Deposit money gradually gained importance as well. But bank panics remained a problem throughout the 19th century, climaxing in a severe panic in 1907. United States note and refunding certificate $5 United States note $10 refunding certificate     Gold and silver certificates Treasury or coin note $100 gold certificate $20 silver certificate Treasury or coin note   National bank notes $10 national bank note $20 national bank note     Checks became more important Georgia Railroad & Banking Company check Georgia Railroad & Banking Company check     Banking panics and scrip When coins ran out, tokens like this one were issued $10 scrip from Altoona (Pennsylvania) Clearing House $2 scrip from Altoona (Pennsylvania) Clearing House Hard times token   America's most beautiful money