Bank accounts can be used for a lot of things, including to help you build credit. But almost 63 million Americans are either unbanked or underbanked. That means they don't use banks to make financial transactions like cashing checks, saving money or applying for credit. We discuss the impacts of being unbanked and underbanked and what communities are doing to try and help create access. Want to support 1A? Give to your local public radio station and subscribe to this podcast. Have questions? Find us on Twitter @1A.