The death of Allan caused many major shifts in the family's material and spiritual circumstances. One result was the greater influence of his mother's religious beliefs. Maria sought consolation in her faith and in April was admitted as a member of the First Reformed Dutch Church. Herman's saturation in orthodox Calvinism was surely the most decisive intellectual and spiritual influence of his early life.[32] Two months after his father's death, Gansevoort entered the cap and fur business. Uncle Peter Gansevoort, a director of the New York State Bank, got Herman a job as clerk for $150 a year (equivalent to $4,600 in 2023).[33] Biographers cite a passage from Redburn[13][33] when trying to answer what Herman must have felt then: "I had learned to think much and bitterly before my time," the narrator remarks, adding, "I must not think of those delightful days, before my father became a bankrupt ... and we removed from the city; for when I think of those days, something rises up in my throat and almost strangles me". With Melville, Arvin argues, one has to reckon with "psychology, the tormented psychology, of the decayed patrician".[34]
When Melville's paternal grandfather died on September 16, 1832, Maria and her children discovered Allan, somewhat unscrupulously, had borrowed more than his share of his inheritance, meaning Maria received only $20 (equivalent to $600 in 2023).[35] His paternal grandmother died almost exactly seven months later.[36] Melville did his job well at the bank; although he was only 14 in 1834, the bank considered him competent enough to be sent to Schenectady, New York, on an errand. Not much else is known from this period except that he was very fond of drawing.[37] The visual arts became a lifelong interest.[38] Around May 1834, the Melvilles moved to another house in Albany, a three-story brick house. That same month a fire destroyed Gansevoort's skin-preparing factory, which left him with personnel he could neither employ nor afford. Instead he pulled Melville out of the bank to man the cap and fur store.[37]
