They did run a credit check though, and if you don't have a high enough credit score, they won't give you a debit card - they'll only give you an ATM card. Als

They did run a credit check though, and if you don't have a high enough credit score, they won't give you a debit card - they'll only give you an ATM card. Also, what could be called credit-union deserts. Lots of people don't have access to a credit union, and the large banks charge huge fees on poor people (see "the high cost of being poor"[0]). Past that, some of the above poor people have had terrible experiences with banks and want nothing to do with them. It easily adds up to that ~10% mentioned in the article. [0] http://www.washingtonpost.com/wp-dyn/content/article/2009/05/17/AR2009051702053.html?noredirect=on http://www.washingtonpost.com/wp-dyn/content/article/2009/05...