An article by Lisa J. Servon explores the reasons why many low income people choose check cashers over traditional banking institutions. In this article, Servon challenges the notion that traditional banks offer better products than check cashers, considering the lack of free checking accounts and high overdraft charges. She offers an opportunity to consider how traditional banking institutions might offer products and services that are more appropriate to low income individuals and families. According to Servon, check cashers and payday lenders may not be a good deal for the poor, but banks are not doing any better to serve people with little money to spare. Click here to read the article.