Nor shall it be lawful for the said Philadelphia savings institution, or for any other savings institution or loan company, to offer or give in payment of any loan or discount by them made, or deposit withdrawn, any certificate or other paper, payable at a future day; but shall pay all loans, discounts, and deposits in current money; nor shall it be lawful for the said Philadelphia savings institution, or for any other savings institution or loan company to issue certificates of deposit, or other papers as representatives of value, payable at a future day, for any other than deposits of money bona fide made with them, and all such certificates shall be for the amount of the deposits so made, and for the time for which they have actually been deposited.