There are millions of people in America who don't have a bank account. They don't want one and have no plans to get one. They don't really care about a credit score, they pay cash for their vehicles and all other items, they may have pre-paid debit cards so they don't have to carry a lot of cash, they may have an online account like Paypal with a debit card for that........there are plenty of ways to be a working, spending consumer in America without having a bank account. Are you one of these people? If so, how do YOU do it?