"Over the past year, [Wall-Mart] have unveiled one plan after another aimed at getting a bigger share of the U.S. retail banking market, which could be good news for some and bad news for others. It started in August 2009 when Wal-Mart's 'Money Centers' began offering bill payment services. ... Wal-Mart wants to attract a different consumer segment than traditional banks--customers who are 'unbanked' (people without access to mainstream financial services) or 'underbanked' (people not using mainstream financial services regularly). According to a 2009 study from the FDIC, one-quarter of all households in the U.S. have few, if any, bank accounts."