In the US, unbanked people use prepaid debit cards. There are some disadvantages compared to a bank account, but you can deposit cash or checks into them (at a

In the US, unbanked people use prepaid debit cards. There are some disadvantages compared to a bank account, but you can deposit cash or checks into them (at a store), buy things online or at card-only retailers, and even get paychecks direct deposited. There's no easy way for a stranger to deposit money into them though.