an organization (usually with a commercial bank) that is engaged as a trustee or fiduciary or agent in handling trust funds or estates of custodial arrangements or stock transfers or related services
avoiding waste; "an economical meal"; "an economical shopper"; "a frugal farmer"; "a frugal lunch"; "a sparing father and a spending son"; "sparing in their use of heat and light"; "stinting in bestowing gifts"; "thrifty because they remember the great Depression"; "`scotch' is used only informally"