[20200827]IF11631_金融包容性：访问银行账户 .pdf

https:/crsreports.congress.gov August 27, 2020Financial Inclusion: Access to Bank Accounts Most U.S. consumers choose to open a bank account, such as a checking or savings account, because it is considered a safe and secure way to store money, particularly as the Federal Deposit Insurance Corporation (FDIC) insures up to $250,000 per depositor against an institutions failure. In addition, consumers gain access to payment services through checking accounts, such as the ability to make electronic payments online, direct deposit, and paper checks. Frequently, a checking account includes access to a debit card, which increases a consumers ability to make payment transactions through the account. For most consumers, a bank account is less expensive than alternative ways to access these types of services. Opening a bank account is relatively easy for most people. Consumers undergo an account verification process, and they sometimes provide a small initial opening deposit of money into the account. Many consumers open their first bank accounts when they get their first jobs or start post-secondary education. Checking and savings accounts are often the first relationships that a consumer