Possible Clues:

• The offer of money may make him cross
• He moves between banks transferring customers
• Spooner's cheerful enthusiast? He'll get you across
• He rows people across a river, like Charon
• Transporter across water
• He deals with bank transfers
• eg Charon (on the Styx)
• Travel organiser who often goes to the bank?
• Charon, e.g.
• Boat operator getting ridiculously merry, put in cooler