Technically, there's no barrier. But practically speaking, yes, there is a huge barrier. Having an account is not enough to safely use a debit card, you also h

Technically, there's no barrier. But practically speaking, yes, there is a huge barrier. Having an account is not enough to safely use a debit card, you also have to build up enough emergency funding to use a debit card. Otherwise, you risk a ~$50/charge for overdrafting, if you happen to be a off (even by as little as one cent). Note that you as a consumer have very little control over if/when you overdraft, as American banks can legally reorder your transactions outside of real date/time to artificially generate higher overdraft fees than actually happened in the real world. https://www.forbes.com/sites/halahtouryalai/2013/06/11/yes-banks-are-reordering-your-transactions-and-charging-overdraft-fees/#e6b79136daa3 https://www.forbes.com/sites/halahtouryalai/2013/06/11/yes-b...