First Horizon Bank filled a huge brick building on the corner, with tall glass windows and heavy brass doors.

I parked two blocks away at a broken meter and pulled my coat tight against my chest as I walked.

The bank lobby was brightly lit and smelled strongly of floor wax and hot coffee.

The line was short that early in the morning.

I waited quietly behind an older man who was depositing a thick stack of paper checks.

When he finally finished and walked away, a young teller named Lauren waved me over to her window.