{"id":25968,"date":"2022-01-26T04:15:04","date_gmt":"2022-01-26T12:15:04","guid":{"rendered":"https:\/\/lenpenzo.com\/blog\/?p=25968"},"modified":"2022-07-31T08:55:15","modified_gmt":"2022-07-31T15:55:15","slug":"why-bank-by-phone-programs-can-help-those-without-checking-accounts-2","status":"publish","type":"post","link":"https:\/\/lenpenzo.com\/blog\/id25968-why-bank-by-phone-programs-can-help-those-without-checking-accounts-2.html","title":{"rendered":"Bank-By-Phone Programs Can Help Those Without Checking Accounts"},"content":{"rendered":"<p><a href=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2014\/07\/bank-abandoned1.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-25974\" src=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2014\/07\/bank-abandoned1.jpg\" alt=\"bank abandoned\" width=\"395\" height=\"264\" srcset=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2014\/07\/bank-abandoned1.jpg 500w, https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2014\/07\/bank-abandoned1-300x200.jpg 300w\" sizes=\"auto, (max-width: 395px) 100vw, 395px\" \/><\/a>Even with all the advancements in banking technology, there are still millions of Americans without so much as a checking account. Luckily, more bank-by-phone programs are becoming available for those without the ability to bank. Here are just a handful of handheld ways bank-by-phone programs are giving tens of millions of Americans a financial chance.<\/p>\n<p><strong>The Banking Landscape<\/strong><\/p>\n<p>More than 70 million Americans don&#8217;t have checking accounts or avoid banking altogether. The question is why? Well, there isn&#8217;t any one reason that a great number of Americans go without the financial security of banking, but there are plenty of factors that contribute to the anti-bank mentality:<\/p>\n<ul>\n<li><strong>A Lack of Understanding.<\/strong> Simply put, many Americans don&#8217;t understand the way banks operate, from the services they provide to the associated fees to opening and balancing a checking account. This absence of banking know-how encourages overall avoidance.<\/li>\n<li><strong>Access to Services.<\/strong> Many Americans don&#8217;t have access to banking institutions because the services aren&#8217;t available in their area, or the banks themselves don&#8217;t offer any checking and savings services to people of certain income levels.<\/li>\n<li><strong>The Fees.<\/strong> There are a number of Americans who choose to avoid banking institutions because of the high fees associated with opening and closing accounts as well as transferring money and making ATM withdrawals.<\/li>\n<li><strong>The Trust Factor.<\/strong> Due to the number of cyber crime cases associated with banking institutions, many Americans choose not to bank because they <a href=\"https:\/\/lenpenzo.com\/blog\/id23147-what-everyone-should-know-before-depositing-money-in-a-bank-2.html\" target=\"_blank\" rel=\"noopener\">don&#8217;t trust<\/a> that their finances are safe and secure.<\/li>\n<\/ul>\n<p><strong>How Bank-By-Phone Makes Financial Life Easier<\/strong><\/p>\n<p>The idea behind bank-by-phone programs is to make it easier for people without checking accounts to open an account without the hassle of dealing with a bank. Many cellular providers are offering bank-by-phone programs that make banking as easy as signing up for a checking account at the mobile carrier&#8217;s retail store. From there, the cellular provider basically becomes a bank teller.<\/p>\n<p>For example, T-Mobile, one of the leading bank-by-phone providers, makes the process as streamlined as sending customers a Visa debit card in the mail once they&#8217;ve signed up for a free checking account. All it takes is a cash deposit that activates the no minimum balance account. In addition, if customers choose, they can also get T-Mobile&#8217;s Money Mobile app that makes the banking process that much easier.<\/p>\n<p><strong>No More Fees<\/strong><\/p>\n<p>One of the biggest draws of bank-by-phone programs is the fees, or lack thereof. Many banks charge service fees like sign-up charges, ATM withdrawal fees, and even fees for transferring money between accounts. Likewise, Americans without access to a checking account pay massive fees for using check cashing services.<\/p>\n<p>With bank-by-phone programs, the fees are simply taken out of the equation. This includes everything from maintenance fees to check cashing and depositing fees. Because many bank-by-phone programs offer no minimum balances, there are no overdraft fees. In addition, if customers use <a href=\"https:\/\/lenpenzo.com\/blog\/id686-18-things-you-didnt-know-about-automated-teller-machines-2.html\" target=\"_blank\" rel=\"noopener\">ATMs<\/a> within the program&#8217;s network, there aren&#8217;t any ATM fees either.<\/p>\n<p><strong>The Benefits Continue<\/strong><\/p>\n<p>Bank-by-phone programs aren&#8217;t banking institutions, so they&#8217;re able to offer customers new and exciting benefits when it comes to opening a checking account. Aside from the main benefit of zero fees, bank-by-phone programs have a number of built-in benefits that are all part of the new mobile money territory.<\/p>\n<ul>\n<li><strong>More Access.<\/strong> Because bank-by-phone programs like the one T-Mobile offers are turning cellular storefronts into bank branches, there&#8217;s more access to banking because mobile phone storefronts outnumber traditional banks. Additionally, banking-by-phone gives customers unparalleled access to their accounts at anytime from the comfort of their own smartphones.<\/li>\n<li><strong>Mobile Check Apps.<\/strong> Depositing a check is sometimes a hassle, but many bank-by-phone programs offer deposits-by-phone. In other words, customers can deposit a check by simply taking a picture of it with their smartphone.<\/li>\n<li><strong>Security.<\/strong> There are also built-in security benefits when it comes to banking-by-phone. Because the all-encompassing mobile platform is in a constant state of change, malware and other viruses aren&#8217;t sophisticated enough to breach mobile software. This translates to less security threats for bank-by-phone customers.<\/li>\n<\/ul>\n<p>So you see, when cellular providers add banking to their list of services, checking accounts can become a reality once again for millions of Americans.<\/p>\n<p style=\"text-align: right;\"><span style=\"font-size: smaller;\">Photo Credit: nitram242<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Even with all the advancements in banking technology, there are still millions of Americans without so much as a checking account. Luckily, more bank-by-phone programs are becoming available for those without the ability to bank. Here are just a handful of handheld ways bank-by-phone programs are giving tens of millions of Americans a financial chance. [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":25974,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mo_disable_npp":"","pmpro_default_level":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[454],"tags":[],"class_list":{"0":"post-25968","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-banking","8":"pmpro-has-access","9":"entry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.8 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Bank-By-Phone Programs Can Help Those Without Checking Accounts<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lenpenzo.com\/blog\/id25968-why-bank-by-phone-programs-can-help-those-without-checking-accounts-2.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bank-By-Phone Programs Can Help Those Without Checking Accounts\" \/>\n<meta property=\"og:description\" content=\"Even with all the advancements in banking technology, there are still millions of Americans without so much as a checking account. Luckily, more bank-by-phone programs are becoming available for those without the ability to bank. Here are just a handful of handheld ways bank-by-phone programs are giving tens of millions of Americans a financial chance. [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/lenpenzo.com\/blog\/id25968-why-bank-by-phone-programs-can-help-those-without-checking-accounts-2.html\" \/>\n<meta property=\"og:site_name\" content=\"Len Penzo dot Com\" \/>\n<meta property=\"article:publisher\" content=\"http:\/\/www.facebook.com\/LenPenzo\" \/>\n<meta property=\"article:published_time\" content=\"2022-01-26T12:15:04+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-07-31T15:55:15+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2014\/07\/bank-abandoned1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"500\" \/>\n\t<meta property=\"og:image:height\" content=\"334\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Sabado Domingo\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@LenPenzo\" \/>\n<meta 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