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The term "unbanked" refers to individuals or households that do not have access to traditional banking services, such as checking or savings accounts. This often includes people who rely on alternative financial services, such as payday loans or check-cashing services, to manage their money. The unbanked population is often made up of low-income individuals, immigrants, and minorities who may face barriers to opening and maintaining a bank account, such as high fees, minimum balance requirements, and lack of access to branches. Being unbanked can make it difficult for people to save money, build credit, and access affordable financial products and services. Efforts to address the unbanked population's needs include promoting financial literacy, developing alternative banking options, and increasing access to affordable financial services.