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Millions of Americans lack access to banks or are not fully participating in the mainstream financial system.

Nearly 54% of black households are either unbanked or underbanked which is more than twice the average for U.S. households (26%).

Unbanked Housholds are more likely to rely on cash transactions or use costly alternative financial services.  Among the banked population,African Americans have solid ownership of basic financial products, but significantly lower ownership of more complex financial products like insurance, IRAs, individual stocks and bonds, mutual funds, estate plans, wills and trusts.  A priority of the dfree® movement is to enable these underserved populations to move into the financial mainstream.