[throwawayboise]

I call BS. Anyone with proper ID and payroll income can open a bank account. Most big employers (e.g. mine) will even require it -- payroll is made by direct deposit.

There may be minimum balance requirements and/or fees but if you shop around a bit (look especially at local credit unions) they are not onerous and are almost certainly lower than what check-cashing services will charge. They do demand a bit more management and responsibility compared to a wad of cash in one's pocket, but that's the way life is.

[iypx]

By "proper ID" you mean the right kind of country ID, I assume?

Cause I've been denied by two banks, the third bank even had two countries blacklisted.. that's right, on their official website they wrote: "we are currently unable to accept government issued IDs from X and Y" or something along those lines.