good question
reserved powers
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The Constitution did not specifically grant the government the power to create the bank.
A categorical grant (or grant-in-aid)
The preamble to the Constitution is a general introduction and states the Constitution's purpose, as with any written document. It does not grant any powers to the Federal government. The powers given to the Federal government are few and defined and are specified in Article 1, section 8 of the Constitution.
The U.S. Constitution does not grant any :implied" powers to the federal government. The authority delegated to the federal government is narrow and explicit, according to Article 10, all powers not expressly provided by the Constitution is reserved exclusively to the States or to the People.
The Constitution did not specifically grant the government the power to create the bank.