What factors contributed to the growth of banks in the urban frontier in the early 1800s?

a. Banks in the West did not require approval from a state legislature to obtain a charter.

b. Bankers saw a market opportunity to provide white settlers with cash.

c. Having a bank in a remote location meant that people would be less likely to present their bank notes for redemption.

d. Banks in the West were allowed to print their own paper money rather than using the national currency of the East.