Not sure where you live, but how easy is it to cash checks at banks with whom you don't have an account? Apparently, check cashing outlets (CCO) handle substantial volume in the US and business is booming:

  "Cashing a paycheck at a [check cashing outlet] gives customers access to their
  money the same day. [Alternatively,] Banks limit access to $200 or so and can 
  hold the money for up to five days. Further, low-income and low-balance customers
  get frustrated with a bank’s fees eating away at what little is in their 
  accounts or sending their balances more into the red with low-balance and/or 
  overdraft fees" [1]

[1]http://dollarsandsense.org/archives/2015/0115barr-figart.htm...