The implications in your comment are gross, but to respond to the underlying question:

Using a bank as a poor person is stupid expensive. Have less than 200$ in an account? That's a monthly fee. Use your debit card less than 15 times last month? That's a fee. Need checks for that account with only $100 in it? Most people get them for free but you pay. For a time, TD Bank was even applying transactions to your account out of order so you would incur more than expected overdrafts and accrue more overdraft fees than you actually should have had. They lost a court case about that and had to pay people a few dollars, because class action suits are a travesty of justice often.

>Just curious, but why are poor people unbanked? It seems like one could open a bank account with pretty much $5 at almost any bank in the country.

With a $15/month charge for having less than $1000 in the account per month.

With a destroyed credit history when Wells Fargo and BoA continue their stock value pumping shenanigans and opening accounts in your name.

For another discussion of why banks are terrible for poor people: "Why It's More Expensive to Be Poor", from PBS's personal-finance channel: https://www.youtube.com/watch?v=aLwRZibUqL0