Independent Banker - September 2022 - 36

PORTFOLIO
◎FOCUS INCLUSION
How to reach
customers with
disabilities
Some people living with disabilities eschew banking services
because they feel financially underserved or physically barred.
Through sensitive customer service, affordable products and ADAcompliant
accessibility, community banks can make them feel
welcomed and accommodated. By Katie Kuehner-Hebert
any people with disabilities
don't have any banking
relationships, but that's not because
they don't want to have them.
Many feel like they can't access
needed services-or they just don't
feel welcome.
M
Community banks can work
harder to make both physical
branches and digital channels more
accessible and ensure employees
understand how to interact with
people with disabilities so their
financial needs can be met with
dignity. (See sidebar on page 39.)
In the FDIC's " How America
Banks " survey, 16.2% of people
with disabilities in the U.S.
were unbanked, compared with
4.5% of those with no disability.
Additionally, the study found
that only 49.2% of people
with disabilities used a bank
credit product (credit card or
personal loan) in the past year,
compared with 76.5% of those
without disabilities.
One explanation why they may be
unbanked is that many have little
or no income, says Barry A. Whaley,
project director at the Southeast
ADA Center-Burton Blatt Institute
at Syracuse University. Indeed, 63%
of people with disabilities who do
not have bank accounts say " the
reason they do not have a bank
account is because they don't have
enough money keep in the account, "
Whaley says, citing FDIC data. Other
common reasons are not trusting
banks, having privacy concerns or
believing that account fees are too
high or unpredictable.
" As for getting bank credit, lowincome
people tend to have lower
credit scores or thin credit, making
them ineligible for affordable loans, "
Whaley says. " There are several
income and disability-related
reasons people may have low credit
36 Q ICBA Independent Banker Q September 2022
Photo by ljubaphoto/iStock

Independent Banker - September 2022

Table of Contents for the Digital Edition of Independent Banker - September 2022

Table of Contents
Independent Banker - September 2022 - Intro
Independent Banker - September 2022 - Cover1
Independent Banker - September 2022 - Cover2
Independent Banker - September 2022 - Table of Contents
Independent Banker - September 2022 - 2
Independent Banker - September 2022 - 3
Independent Banker - September 2022 - 4
Independent Banker - September 2022 - 5
Independent Banker - September 2022 - 6
Independent Banker - September 2022 - 7
Independent Banker - September 2022 - 8
Independent Banker - September 2022 - 9
Independent Banker - September 2022 - 10
Independent Banker - September 2022 - 11
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Independent Banker - September 2022 - 24
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Independent Banker - September 2022 - 28
Independent Banker - September 2022 - 29
Independent Banker - September 2022 - 30
Independent Banker - September 2022 - 31
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Independent Banker - September 2022 - 34
Independent Banker - September 2022 - 35
Independent Banker - September 2022 - 36
Independent Banker - September 2022 - 37
Independent Banker - September 2022 - 38
Independent Banker - September 2022 - 39
Independent Banker - September 2022 - 40
Independent Banker - September 2022 - 41
Independent Banker - September 2022 - 42
Independent Banker - September 2022 - 43
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Independent Banker - September 2022 - 45
Independent Banker - September 2022 - 46
Independent Banker - September 2022 - 47
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Independent Banker - September 2022 - 49
Independent Banker - September 2022 - 50
Independent Banker - September 2022 - 51
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Independent Banker - September 2022 - 53
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Independent Banker - September 2022 - 58
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Independent Banker - September 2022 - 60
Independent Banker - September 2022 - 61
Independent Banker - September 2022 - 62
Independent Banker - September 2022 - 63
Independent Banker - September 2022 - 64
Independent Banker - September 2022 - 65
Independent Banker - September 2022 - 66
Independent Banker - September 2022 - 67
Independent Banker - September 2022 - 68
Independent Banker - September 2022 - 69
Independent Banker - September 2022 - 70
Independent Banker - September 2022 - 71
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Independent Banker - September 2022 - 75
Independent Banker - September 2022 - 76
Independent Banker - September 2022 - Cover3
Independent Banker - September 2022 - Cover4
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