The USPS is a government agency that already has physical branches in almost every community in the US, which would make it an extremely accessible bank for the

The USPS is a government agency that already has physical branches in almost every community in the US, which would make it an extremely accessible bank for the 4.5% or so of households who currently don't have a bank. It could also be pressure on American banks to treat their customers better, since the USPS is not burdened with a responsibility to generate dividends for shareholders. The USPS is also not directly funded by taxes (though it is indirectly subsidized via it's tax status and sole right of access to mailboxes), and with the waning popularity of letter mail, would become more self sufficient in the long term if it branched out into other services Other countries also combine banking and postal branches for similar reasons, like Japan (although it is in the process of being privatized).