Chris Espinoza was having a hard time making purchases or paying bills online because he didn’t have a bank account.
“Nobody wanted to give me an account,” said Espinoza, 31. The La Habra, Calif., resident explained that being financially reckless during his youth “messed me up.”
“Doing everything with cash was hard,” he said.
During a visit to Wal-Mart about a year ago, Espinoza found his banking workaround in the Bluebird prepaid card. Offered by the mega-retailer and American Express, it provides services through its mobile app such as direct deposit, online bill pay and check deposits.