Certain addresses get flagged in bank and verification systems over time that are shared addresses among many people. Places where someone can get mail without a permanent legal address is one example. Shelters, general delivery at the post office, etc. So much of the concept of your identity is tied to your legal address. Courts can use this too and claim they can't find someone then issue default judgements against them. Meanwhile, so many places are heavily monitored because they have turned into police states, it is not usually in question for the goverment who someone is and where they are located. The post office should provide long term PO boxes for unhoused people for free and these should be accepted as legal addresses. But often, you'll find a PO Box isnt accepted.
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Sharing info about de-banking is cool but lets try to keep the FUD out of it. What the so-called "ENDING CRIME AND DISORDER ON AMERICA’S STREETS" order says regarding this seems mostly contained in Sec. 3, which basically threatens to pull housing and urban development funds from states that don't meet the administrations crazy rules. 
. I also see nothing to validate your claim that folks with a mental health diagnosis need three addresses (two back-up addresses implies the existence of a third main address).
I feel like I'm becoming jaded because any time I hear about some new shit that hurts poor people in this country I find myself wondering how many of these people voted for Trump in the first place. I get being desperate and feeling like some kind of change is needed... The first time. But we had a chance to see it was all bluster and bullshit already and still voted for this government. I know it's a bad mindset but a lot of this stuff is hurting groups of people where the majority voted for Trump and I'm having trouble feeling sorry for them.
I left the USA 25 years ago and still keep a bank account at my parents' address. Not yet debanked.
You being lucky doesn't necessarily imply that other people will be equally lucky, though.
Plus, what we may not have thought about is that the triggers for a financial institution to review your account will happen due to a change in circumstance. Address move, insurance change, employment change.
Since you left 25 years ago, there have presumably been essentially zero changes to your personal status as far as the bank is concerned. They aren't hearing about it because you don't live or work in the country anymore.
So your account is just sitting there, quietly unnoticed and unbothered.
To make them want to close it, something would need to happen to make them review it in the first place.
Do you have a source for ANY of this drivel?
I was homeless for years, and have worked with homeless addicts for the last 10 years. Never in my life have I heard of these things happening for the reasons you give. Hell even to this day I don’t update a bank with my new address.
Could you provide a reliable source for more information about this actually happening to real people en masse? I have no doubt it’s happened to someone somewhere, but would be surprised if this was a real problem and I wasn’t aware.
I have to say I agree here, hell I've never updated one of my open bank accounts. It still has me under my mother's old house from when I turned 18, and I've moved at least 10 times since then. I've also helped/worked with/am friends with plenty of unhoused or at risk folks and never heard of being 'debanked. Now if OP wants to talk about getting accounts or your ID in the first place while being unhoused then that's a different story. Plenty of times I've seen it be next to impossible to get these things w/o an address. Not so much maintaining it w/o an address.
Although im sure anything is possible, so I wont discount it completely.
The term has gained traction after being discussed on a November 2024 The Joe Rogan Experience podcast with investor Marc Andreessen, in particular with respect to cryptocurrency assets.
Yeah im not buying it, but the next line says instances of Muslim people having accounts closed have been covered by media. Although that's shaky at best. What media? Who specifically? Im not convinced that this even happens often enough for people to clutch their pearls
Edits: that claim to "Muslim money" is cited and links to an ebook about Canadian Islamophobia, but its using this book as a source to say Muslim accounts get closed in the USA and its covered by "media"
would be surprised if this was a real problem and I wasn’t aware.
Umm.... that's a terrible argument. Like, really, really terrible.
That said this does feel a bit like a red herring. I don't think having an open bank account is gonna do shit to help anyone kidnapped by the Y'allqueda Gestapo.
But, seriously, "this can't be true, cause if it was I'd already know about" comes across as really arrogant.
¯\_(ツ)_/¯
Sorry you feel that way. While I am very experienced in the field, and as such would be surprised that this snuck by me, I miss things from time to time. That’s why I asked for references.
If experience in a field isn’t an argument for being knowledgeable in the field, you’re likely hard to please.
Wow.
I'm so sorry for doubting your infallible knowledge and wisdom!!
Well...no I'm not.
And don't even play that "I'm sorry you didn't react the way you were supposed to" crap.
And, no, your grandiose posturing means nothing at all to me. No one cares. You say you're an expert? Then you already know what evidence to cite to support your argument.
Your claims of experience are not evidence of anything but your over inflated ego.
I’m genuinely sorry that my words upset you.
Good day sir.
🤣
Yeah, whatever
Yeah, that's what I told my doctor when he said I didn't have unicorn pox. He was like, "that's not a real thing, and if it was I'd have heard of it," and I told him he was just an arrogant jerk. He doesn't know all the diseases, just cause he's a doctor.
Back when I vandwelled, I was able to set up a "declaration of domicile" so my legal address was at a mail forwarding center. You can have mail forwarded to a local post office box, or to a different address (if you're crashing at a friend's house or something.)
It's a useful option when you have to move around a lot, since if you move you don't have to change your address - just change where your mail gets forwarded to.
It does require paying for a PO Box, but IMO it's worth it.
Though I recommend actually knowing something about the town or city of the forwarding center you use. I once had a job interviewer be from the same town as the one on my license, and had to bullshit as if I actually knew the place (and didn't merely drive through it on a freeway a couple times.)
Unfortunately there are systems that will reject PO boxes - credit applications, mortgage and loan applications. It's increasing and I think they're catching wind that nomads do it, so they challenge for a "physical address" which of course must match your credit file. This is a nice way to shit on people who are trying to get out of transitional housing too, since they can easily spot group homes and halfway houses.
UPS stores (and many others) offer mailboxes, similar to PO boxes. Unlike PO boxes, they will accept packages from other shippers as well as USPS. Also, they'll only put mail in your box if it is addressed to you specifically. No bulk mail or "Current Resident" bullshit.
Sigh, I was worried they’d be getting targeted.
I wish I had more to add. But I’m just tired.
Hey do you know if this works for traveling nurses or if there is a different way that they do it?
If you have to travel for extended periods of time, it's not a bad idea. It does take a little extra time for your mail to get to you (since it's being shipped twice.) If that isn't a problem, I can't think of any reason it wouldn't work for travel nurses.
Holy shit.
To think I was envious of America when I was young.
Hahaha right? They sold the lie so well. But it's so easy to do when you control the majority of the world's media, whether it's news, radio, television, cinema, or online streaming.
To be honest, this shift in our politics has been brutally quick and more federally far reaching than anything that happened while I was growing up. People used to be able to just exist. Camp in parks, sleep on benches, etc. This authoritarianism is... Somewhat new.
It started in earnest under Regan. It’s just been difficult to see where all those changes would lead until all at once it smacked us in the face.
It's only been quick if you just started paying attention. This is the end result of decades of work by the GOP.
Legitimately 70 years, their fight started just after FDRs New Deal. The entire modern Republican party exists to work towards this. They want a return to the guided age with themselves as the robber barons and everyone else as a permanently toiling underclass.
I mean tresspass laws designed to prevent newly freed black people from "just existing" go back to 1865.
For all other Europeans out there, avoiding this situation is another thing the EU did for us.
For the Americans, write to your representatives demanding the same rights.
Excluding people from having a bank account in 2025 is basically condemning them to ostracism even without sending them to concentration camps.
I've long held the belief that the US postal service should also provide basic banking services too in the US, that way no one can be denied a bank account.
One of the things Bernie Sanders ran on. He wanted to do that and ton more good things for us little people. But the Democrats rather have fascism under Trump then progressive policies.
Did you independently reinvent https://en.m.wikipedia.org/wiki/United_States_Postal_Savings_System or did you know about the history?
I didn't know that existed!
Its decline reads like everything else going on in the US. Government provided a service a lot of people liked, private enterprise lobbies to have it shut down and lock people into nickel and diming them.
In terms of private banks, a basic savings account wouldn't really be a big risk for them nowadays because it's a bare bones account. It doesn't include things like access to credit cards or other forms of credits, or any form of long term investments.
If anything, banks might even like the idea, because it gives them a way to offload their riskier (and let's be honest less profitable) customers without making society fully collapse.
If the system is implemented properly it's a win-win for everyone.
I wish that was the case, but there are a lot of people that see government provided services as waste/fraud. I mean look at how the federal government is being eviscerated right now.
It would be nice if everyone could be guaranteed a safe place to manage money though.
Disappointing but not surprising that the chosen solution to increasing swaths of the population no longer being supported by our economy is concentration camps. I honestly don't think it's that far fetched that the endgame here is they literally kill us all while acting like it's our own fault, and the America of the future is just robots and genetic clones of billionaires.
I came into this thread thinking that the term de-banking was something like de-google and I was eager to find some opensource service tô get rid of the dependency of banks all together.
Boy was I wrong. /s
Good advice though!
I was eager to find some opensource service tô get rid of the dependency of banks all together.
Credit unions
This is 100% going to be used against trans people, especially the mental illness and danger parts (remember all the cross dressing is pedophilia stuff that republicans were pushing)
I hope for the safety of all LGBTQ people in the US right now, especially the trans people. You all deserve to live unbothered, I wish it were that easy.
Currently shit scared as a gay guy with autism. I studied this, on my own, out of curiosity -- how a relatively modern society can commit atrocities upon its own citizens that it deems "lesser".
In high school, where we had entire chapters of our history books that we focused on for weeks dedicated to things like the civil war and the war of 1812, WWI and WWII were (in my recollection) split between a single chapter titled "The World Wars" or something like that, and anything later was usually glossed over in even briefer fashion (Korea, Vietnam, and the Cold War all shared a single chapter. I'm not even sure the Cuban Missile Crisis was given a sentence. But holy fuck did they want you to recount in great detail all the facts and figures of the revolutionary war and civil war, down to excruciatingly painful detail. -- I digress, it just irked me then and it still does now).
My point is, nobody chased me down and beat me over the head with a textbook to research the Holocaust and how it happened, nobody made me learn the finer points of going from an economic crisis to an angry little egomaniac getting elected to gas chambers and piles of bodies. We were taught what happened, in the driest fashion, but they never taught us how it happened. For me, nobody had to. I wanted to learn, so that I'd hopefully recognize the signs if they ever happened again. And now I can't afford to leave on my own, while watching them slowly follow the exact same playbook in almost the exact same way. You start with the most vulnerable people and expand that over time to "everyone you don't like", and I have no illusions about being a friend to republicans.
Also, hey, sidebar: anyone else finding the combination of "gutting NOAA funding", "open air cages", and "located in Florida, where devastating hurricanes regularly sweep through", to be something Eichmann would've called genius? "Oops, we didn't have any warning! Awww, shucks, shame about all those un-people we wanted to be rid of!" And the gators take care of the bodies. It's brilliant, in a way.
my last hope is Canada opens their borders to unskilled/disabled refugees, but I don't hold out a lot of hope.
I'm with you, this is bad. I'm not LGBTQ+, but the fact that I have autism combined with ovaries has been terrifying lately. It feels like no one else sees what's happening and they definitely don't want to hear about it...
I remember in highschool getting to take an elective history class focused on the details (like how it happened) of the Holocaust, Armenian Genocide, and the importance of learning from history and our past. It was a great opportunity and sparked an "interest" in genocides and I guess social justice for me. I wish more people had this opportunity and interest. It's really difficult to see what's happening around the US and honestly many other places I'm around the world so plainly, but having no significance or capability to do anything about it. It feels like no one cares and it feels like the bad guys won and all in slow motion
I'm curious if credit unions participate in this. I can't find any information about it.