Reply #187: you have to have legal identification to have a bank account

[pitohui]

i know lots of bankrupts who are white "middle class" bankrupts or at least middle class in appearance/childhood upbringing -- they can get a bank account just fine with a driver's license to prove who they are and avoid the high fees -- you can open a free checking acct at a local bank i use just with $50, a legal driver's license from my state, and a physical appearance in person -- that $50 will save you hundreds over the year over paychecking cashing store fees

the people paying those huge fees at check cashing stores around here are hispanic or black people who for whatever reason don't have a driver's license/passport/state identification card and don't understand that paying $20 for a driver's license one time in 4 years comes out cheaper than paying more than $20 each month in fees/check cashing costs

i don't know why convicted drug dealers/users who have lost their licenses don't get state ID cards, maybe they don't know that they can

illegals obv. don't have genuine ID, the fake stuff may be OK for a check cashing place but a bank faces real sanctions under money laundering laws for accepting false ID