There are a multitude of banks (and Fintechs that offer accounts through bank partners) that have no overdraft fees. Many of these organizations don't care abo

There are a multitude of banks (and Fintechs that offer accounts through bank partners) that have no overdraft fees. Many of these organizations don't care about ChexSystems/credit reports because they don't allow overdrafts to begin with and don't allow writing checks so you can't overdraw they account. I am struggling to see a scenario where anyone in America doesn't have a bank account today out side of 1) They just don't want one. 2) The relatively rare, but devastating case of getting caught up in some overbearing AML/Government regulation that makes banks not want to open an account for you. 3) Lack of knowledge about what is available. 4) Maybe some one who has no smartphone, as many of these organizations require some kind of device to interface with them, as they don't have many physical branches... but cheap Android smartphones are readily available to most Americans...