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The High Cost, for the bad, of employing a Bank. In September, We went to a meeting on how best to assist low-income individuals improve use of monetary solutions.

I came across myself sitting close to an executive from a sizable financial-services firm, whom explained which he had recently pretended become without a banking account for the afternoon that is entire. He and people that are several their division was in fact provided for check-cashing stores in places like Harlem to cash checks, deliver cash, and settle payments, to have just just what it may be love to live with no banking account. He became animated as he pulled a file from their briefcase and revealed me personally the stack of receipts he'd accumulated inside the afternoon of living from the side. He had been outraged by just how much it are priced at to deliver cash from Manhattan to Brooklyn, and therefore he previously been obligated to invest an additional $1.50 to cover a bill. He had ended their time puzzled about why anybody would utilize check-cashing services as opposed to banking institutions.

When I peered at their receipts, we instantly respected one of those. It originated in RiteCheck, a check casher in Harlem additionally the Southern Bronx where not long ago i worked for four months. A week working as a teller at RiteCheck to try to get my own perspective on the financial lives of the urban poor, I spent eight hours.

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