bank accounts for everyone.

The cart in the image below was pushed into one of the south beach branches of Bank of America by a homeless lady. She walked up to the teller and made a deposit into her bank account.

I don’t know about you, but this strikes me as kinda odd. Why would a homeless person have a bank account? No, why would a homeless person have the wherewith-all to have a bank account. I got an even better question: Don’t you need an address to have a bank account?