Postal banking: A realistic and trustworthy alternative to big banks

[PersonNumber503602]

78. What gaps are there exactly?

Are the banks/credit unions simply not operating in certain neighborhoods, or are they picky about who they offer checking accounts to? I know some people who cannot get checking accounts because they did something in the past that put them on chexsystems. However, at least one of the people was able to sign up for some sort of second chance account. There are also various online banks like ally bank that have legit free checking accounts. There is even simple.com which offers free checking accounts.

I'm not against the idea of the postal service offering basic checking accounts by any means. In fact think it's a great idea to have something that will always be there, and not be at risk of suddenly no longer being offered. I'm just asking about what's missing from these areas, because I do not know exactly what causes people to be unbanked.