General Discussion
In reply to the discussion: People who choose not to have bank accounts are being discriminated against in the stimulus package. [View all]Blue_true
(31,261 posts)could not afford a regular bank account, with it's monthly fees and overdraft charges. So I got an online debit account. It had banking id information for me, so if I wanted to arrange automatic deposits or automatic payments out of the account, I could. I was really poor, like $20 was a lot of money poor, I got to the point where I could make $20 feed me for almost a week. The point is you have choices if you want to seek them out, so it is not the way that you make it out. The online fee was something like $4 per month. I had to be careful about where I used the card, the online bank refunded a person if they could prove fraudulent use of the card, but it was a drawn out process that could take a few weeks (it happened to me when my card was scammed at a gas pump, I got the stolen money back into my account, but it took almost a month). So I learned to be careful when I used the card.