When did the first real banks in the US first appear?

Answer 1

Banks first appeared in the middle ages. The first Safety Deposit Bank bankers were goldsmiths, as they had secure places to store valuables. What you deposited was exactly what you withdrew. The first multiple-branch passbook bankers were monks from a particular religious order. They all took a vow of poverty, so it was assumed they would not steal, but were also were fierce fighters. They were the Knights Templar. They are usually shown two men to a horse, and they wore a red cross on a white background. As they traveled across Europe, a wealthy person could deposit riches in one monastery with one group of monks, travel across Europe, or more usually make a pilgrimage to the Holy Land, then withdraw money as he need it from any monastery along the way. That way, he could avoid being plundered by highway robbers during his journey. The monks issued promissory notes, like IOUs, that were honored at any monastery. That is similar to today's Federal Reserve Note.