This policy brief was drafted by Jessica Gilbert, a research associate at the Partnership for the Public Good and a Ph.D. student in geography at the University at Buffalo. It offers national and local information about people who lack bank accounts and describes some of the impacts of being “unbanked,” including reliance on exploitative services such as check cashing, rent to own stores, and pawn shops. This research supports the work of the Buffalo Niagara Community Reinvestment Coalition, which fights for banking reform, community reinvestment, and access to fair and affordable housing that provides all residents with the opportunity, capacity, and resources to live in stable communities and build wealth.