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Many banks have a tiny number of branches so good luck finding one to cash a check. Low fees are rarely low when you're talking a minimum wage income. Walmart's 3$ fee for anything under 1000$ works out to 1/2 an hour of work. Picture spending 1/2 an hour of your salary every 2 weeks simply to get paid. Now make that worse by having 3 jobs...

I had no idea this was the case. That's shocking.

If I need cash, I walk into a Chase branch [Not my bank, but conveniently near a Thai Restaurant I like to visit] and just ask for cash advance against my VISA card. Done by a teller, there's no ATM fees.

Being poor is very expensive, and I think a lot of people have no idea just how crazy and awful finance in small numbers is and what that does to people's lives.

_Nickel and Dimed_[1] is oldish, but still highly relevant, if you want to read a depressing book.

[1] http://barbaraehrenreich.com/nickel-and-dimed-by-barbara-ehr... https://www.amazon.com/Nickel-Dimed-Not-Getting-America/dp/0...

Which cc does not charge interest before the thirty day grace period with cash advance?

I think the intent was to say that it avoided ATM fees, but not anything about other fees.

Use a debit card which has no fees or do us banks not offer those

Is it a cash advance if you're using a debit card? Isn't that just a withdrawal.

The op terminology must have been off.

CC cash advances are almost as bad as payday lending, why on earth would you pay a fee of 3-5% of the amount borrowed and 18-25% interest that compounds daily starting on the day the advance clears? Just use an ATM and take money out of your checking account..

Regulations cost money. Unfortunately that disproportionately falls on the poor. :-(

That's a poverty problem not a banking problem. If you keep a $1000 balance in a checking account, your bank is making $5/mo from your interest.

Like every other thing poor people can't afford, it could be solved by UBI/EITC/negative income tax, or direct service if you like big government, but banking isn't special.

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