Adventures in Banking

“Americans are a restless people, a mobile people, never satisfied with where they are as a matter of selection.”

After our excitement about food and our dismay over gas, the next important thing was to find a bank that would let us withdraw money from our account in the UK. This turned out to be surprisingly difficult. ATMs in the States didn’t recognize our card as a debit card; apparently the chip-and-pin system was too much for them, and they would spit the card out with instructions to contact our card provider. After a few panicky attempts at different ATMs and one nervous phone call to our bank in Scotland, we realized the problem was not that all our money had mysteriously disappeared, but that the machines themselves were unable to access our account information overseas. We didn’t want to carry around one big wad of cash, because that plus the car plus our general air of good-natured confusion was likely to make us an obvious target. We needed to find a bank that could accommodate our strange foreign card.

That bank was Wells Fargo, which got its start 150 years ago transferring mail from the civilized East to the wild West, and later offering banking services to the gold miners of California. Their heavily armed stagecoaches predated the famous Pony Express and were one of the first links between America’s geographical and cultural extremes. At the time, they were considered more reliable than the US Postal Service and prided themselves on the courtesy and honesty of their employees. This turned out to be true of their modern incarnation as well.

Once we figured out that this particular bank could handle the strangeness of our little blue debit card, we learned to pull off the highway every time we saw one. The sight of one of their red and yellow signs, with the iconic stagecoach and team of horses, became as welcome as the sight of an old friend. We still weren’t able to use the ATMs outside the bank; we had to go in and talk to an actual human being. Strange for us in this age of digital everything. But it turned out to be both a pleasant chance to chat and a good source of information about the local area.

The tellers we encountered were the financial world’s counterpart to TJ, genuinely friendly people who actually seemed to enjoy talking to their customers. This was a far cry from many of our experiences in European banks, where the customer is an annoyance to be disposed of as quickly as possible, with as few words as possible, and preferably given as little money as possible. The system required us to make a cash advance off of our card, and this strange transaction always elicited a series of questions from the teller: “So where are you from? What brings you here? Where are you going?” There was always a sense of fascination in encountering two Americans who chose to live elsewhere. “Wow! Scotland? What’s that like? Don’t you miss America?” There was also, as Steinbeck discovered on his trip, a sense of envy mixed in with the questions. “Wow! I wish I could just pick up and travel like that.” “I’ve never been outside of the country; I’d like to go. Maybe someday.”

Driving and more driving

At the outset of our trip, we wondered whether Americans still felt this desire to be elsewhere. The wanderlust Steinbeck knew so well in himself was something he also encountered in others as he began to prepare for his journey. His neighbors, his son’s friends, strangers he met along the way, all demonstrated a sense of longing for the unknown, the open road, the mystery over the next horizon. But these phrases had become clichés, stereotypes of an American past, and we were no longer sure if they were an accurate reflection of the American present. We wondered whether people had become more wedded to place, to home, to a job and a role and a set of material goods, the combination of which would kill that spirit of adventure and wanderlust that has characterized America from the Pilgrims to the pioneers, from the cowboys in the American West to the beatniks of the 1950s and the hippies of the 1960s. Is it as prevalent in 2012 as it was in 1960?

Steinbeck wondered whether it was genetic, something inherited from the spirit of the restless immigrants whose progeny we are. In the words of one of Steinbeck’s interlocutors, “Lord, I wish I could go.” And Steinbeck replied, “You don’t even know where I’m going.” The rejoinder: “I don’t care. I’d like to go anywhere.” (21-22)

That spirit of adventure still infects the descendents of people who crossed unknown wildernesses in covered wagons, who hopped freight trains without knowing their destinations, or hitchhiked across the continent, trusting in the kindness of strangers. Fifty years later, it is true of us and many others.