The banker is Moll’s fifth husband. Moll meets the banker in London, when she hires him to advise her and manage her bank, and he is immediately interested in her. Because his wife has been unfaithful to him, the banker petitions for a divorce and asks Moll to marry him. She declines and goes to Lancashire, but she leaves her money with him, and they keep up a correspondence. The banker obtains a divorce from his wife, after which she commits suicide, and he again asks Moll to marry him. While the banker doesn’t know it, Moll is already married to James. They have already separated, but Moll is pregnant with his child. After Moll gives birth, she gives her child up and marries the banker. They have two children and are married for a handful of years, until the banker grows lethargic and dies after a dishonest business associate tricks him out of most his fortune. Until his death, the banker is a “safe harbour” for Moll, and he provides her with a stable and happy life. Moll wishes she had married a man like the banker from the beginning. That way, perhaps her life wouldn’t have come to crime, vice, and sin. The banker underscores the connection between poverty and immorality in the novel. While Moll is married to the banker and is not faced with poverty and starvation, she has no need to break the law or behave in immoral ways.