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Before the Civil War banks were very informal but not at all trustworthy, merchants managed it and they would keep it safe for a fee. Although it was flawed because if the merchants went out of business the person's money will be lost along with the business, scams were also common.

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The First Bank of the United States stored the money that government collected in taxes. They also issued bank notes, and were responsible for Gold and Silver exchange.

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This bank was created to eliminate the financial chaos that has been occurring throughout the country. The 2nd Bank was established in 1816 and it slowly rebuilds the public's confidence.

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The Free Banking Era cause many problems for the American people. It triggered state-charted banks which were controlled by the state. Also, all this chaos lead to the Wildcat Era which increased fraud and corruption.

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It was developed in the 1870s and it made paper money and coins as valuable as gold. With this new law, it made currency finally stable.

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Two themes that I found were that there was a lot of issues with currency and that there were a lot of failures leading up to a stable system. This caused a lot of confusion, issues, and lack of trust between the banks and people.