H W COMM NITY ANKS AR REA HING THE NBANK D Millions of Americans and their families don't have bank accounts. Their reasons are their own; some lack financial literacy, and others' trust in the banking system has been eroded. But many community banks are finding ways to better serve the underserved. By Kelly Pike * Photos by David Arky independentbanker.org Q 47http://www.independentbanker.org