(1) Bank hours are inconvenient
(2) Bank locations are inconvenient
(3) Bank account fees are too high
(4) Bank account fees are unpredictable
(5) Banks do not offer products or services you need
(6) Don't trust banks
(7) Do not have enough money to keep in an account
(8) Avoiding banks gives more privacy
(9) Cannot open an account due to personal identification, credit, or former bank account problems
(10) Some other reason? (Specify)
(D) Don't Know
(R) Refused