Via LLRX – Postal banking could provide free accounts to 21 million Americans who don’t have access to a credit union or community bank – About a quarter of census tracts with a post office don’t have a community bank or credit union branch, suggesting postal banking could provide a financial lifeline to the millions of Americans without a bank account, according to our new research by Terri Friedline, University of Michigan and Ameya Pawar, University of Chicago.