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In poor areas like the South Bronx, the statistics are starker still. The South Bronx has only one bank per 20,000 residents. In Manhattan, one bank serves every 3,000 residents. More than half of the residents of Bronx Community Board 1, which includes Mott Haven, have no bank account. Almost three-quarters of Bronx residents have no discretionary income, which often provides the impetus for establishing savings and other commercial bank accounts.

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