The number of American households that were unbanked last year dropped to its lowest level since 2009, a dip due in part to people opening accounts to receive financial assistance during the pandemic, a new report says. Show
Roughly 4.5% of U.S. households – or 5.9 million – didn't have a checking or savings account with a bank or credit union in 2021, a record low, according to the Federal Deposit Insurance Corporation's most recent survey of unbanked and underbanked households. Roughly 45% of households that received a stimulus payment, jobless benefits or other government assistance after the start of the pandemic in March, 2020 said those funds helped compel them to open an account, according to the biennial report which has been conducted since 2009. "Safe and affordable bank accounts provide a way to bring more Americans into the banking system and will continue to play an important role in advancing economic inclusion for all Americans,'' FDIC acting chairman Martin J. Gruenberg said in a statement. A lack of banking options delayed some households from getting federal payments aimed at helping the country weather the economic fallout from the COVID-19 health crisis. Battle against predatory lending:Mississippi social justice firm fights payday 'predatory lending' in low-income communities Checks arrived late for some of the unbanked:For 'unbanked' Americans, pandemic stimulus checks arrived slowly and with higher fees. But that could change. The FDIC initiated an educational campaign to get more Americans to open an account to enable the direct deposit of those funds. And banks such as Capital One and Ally Financial ended overdraft and other fees that have been a key barrier to some Americans accessing the banking system. What does it mean to be unbanked?A household is deemed unbanked when no one in the home has an account with a bank or credit union. That share of households has dropped by nearly half since 2009. And since 2011, when 8% of U.S. households were unbanked, the highest since the start of the survey, and the record low reached in 2021, roughly half of the drop was due to a shift in the financial circumstances of American households the FDIC says. Who are the underbanked? Reset the deviceIf the above steps do not fix your iPad will not turn on problems, reset your iPad. There are cases where your iPad freezes entirely or just become severely unresponsive. Alternatively, perform a hard restart by pressing and holding both the HOME button AND the POWER/SLEEP/WAKE button until the Apple logo appears. Remember, keep holding both those buttons until that Apple logo shows up on the screen. If your issue is on an iPhone or another device with a haptic home button or no home, follow the guidance based on your model: Perform a Forced Restart
Once you see the Apple logo, it remains there for a few seconds, and then your iPad should return to normal again. Charge your iPadSometimes, when you try to turn on your iPad and your iPad, it just doesn’t power up at all. If it doesn’t show anything except a black screen, then most likely your tablet just ran out of battery. All you have to do is connect your iPad to a wall charger for at least 1 hour, preferably more. Make sure you do not use your device during this charging–that’s critical. Also, some readers report success when charging their iPads (or another iDevice) for a full two days! This case seems especially true for people who recently updated their hardware, like replacing a cracked screen or another hardware update. Make sure that your charger and cable is Apple Certified (MFI) and working effectively. MFI is Apple’s certification process for third-party products to work with iPhones, iPads, and iPhones. Many cheap iDevice charges that are not MFI certified end up damaging your device’s charging hardware and chip so stay away from using any non-MFI chargers. If you don’t see that label, don’t use it, period! Additionally, check your charger model–are you using the correct type of charger for the particular device? Most iPads use 10w or 12w chargers while iPhones use smaller 5 W or even 2.5w chargers. So make sure you choose the right charger for your device. If unsure, visit the Apple Product page for your specific model of iPhone,iPad, or another iDevice. And rest assured, even if you accidentally charge your iDevice with the incorrect charger–it won’t destroy your device or brick it. Check your iPad’s battery healthWhile Apple doesn’t include on the iPad the same robust battery health information it includes for iPhone, checking your iPad’s battery health does give you a quick snapshot of overall performance. Armed with that information, you can identify patterns and trends of decreasing battery performance.
Try SiriSometimes, your screen brightness somehow gets set to its minimum, making your screen very dark, looking almost entirely black. If your screen is black, but you still hear sounds and other indications that the iDevice is on then try asking Siri to increase your screen brightness. So, connect your iPad or iDevice to power and say “Hey Siri.” This command only works if you have “Allow Hey Siri” activated. If “Hey Siri” isn’t enabled on your iDevice, connect to power and press and hold the Home button for 30 seconds to activate Siri or press the side button for iPhone X+. Then ask Siri to turn up your screen brightness, and hopefully, your screen (and your iPad) is back! If Siri shows up on your iPad or iDevice, that’s excellent news. It means your iDevice is working; you just can’t see the screen. So you’ve isolated the problem. If Siri is working, but that command had no effect, you may have VoiceOver enabled (Settings > Accessibility > VoiceOver.) VoiceOver speaks items on your screen, and sometimes this feature affects your screen. So, again use Siri to disable VoiceOver. Ask Siri to “Turn VoiceOver Off”If Siri increased screen brightness to the maximum and turned off VoiceOver, BUT there was no effect, chances are your screen connector cable is loose or disconnected and out of its usual place. Fixing this isn’t difficult but does involve taking the iDevice apart to access that display connector. Contact Apple Support for further assistance or visit a nearby Apple Store or Apple Service Provider. If you are a Do-It-Yourselfer, google this particular problem (screen or LCD connector) to find step-by-step instructions and videos. Try Burping Your iPadOkay, it sounds weird, but readers tell us it often works! Burping your iPad (or another iDevice) helps in the situation when cables aren’t making good connections or contacts—like a loose display cable or connector. So if you’re game, here’s how you burp an iPad.
Connect to iTunesIf your iPad’s screen is black, showing the Apple logo, try connecting your iPad to iTunes or Finder. First, for folks using iTunes, update iTunes on your computer to the latest version. Then connect your iPad to your computer. If your iPad shows up in iTunes or Finder normally without any messages or warnings, that means your device is working, and the most likely culprit is your screen or the display connecting cable. These are hardware problems that need repairs and/or replacement. Recover and Restore with iTunesIf iTunes/Finder shows a message or warning when you connect your device, follow the on-screen instructions to Update or Restore your iPad. It’s possible that a software issue is causing your problem. If so, iTunes/Finder attempts to fix it. If nothing happens when you connect your device to iTunes or Finder, try Recovery Mode. Using Recovery Mode
Restoring your iPad from iTunes or Finder may lead to data loss. Hopefully, you have a backup available via iCloud or iTunes/Finder (or another backup option of your choice.) If you do not have a backup, your current data might be lost for good. Don’t know where iTunes stores your backups? Head over to this tutorial to find out. Sometimes, while restoring using iTunes, you might get a weird error saying that “iPad Could not be Restored, No Device Found.” If you see this message, check out our article for a step-by-step guide to solving this problem and restore your iPad. If you do not see your iPad in iTunes or Finder, consider putting your iPad into DFU ModeDFU mode is a mode where the iPad is forced to restore the firmware. Getting your iPad into DFU mode is a little challenging, requiring patience and practice. Timing is essential when placing iDevices into DFU mode so carefully follow the instructions. Try Another Computer with iTunes or FinderAre you unable to restore your device or enter DFU mode? It might be worth trying another computer with iTunes or Finder installed. There could be a driver problem that prevents your computer from recognizing your iOS device. Reach out to that special friend of yours and check your iPad or iDevice out on his or her’s computer. Check the iPad Cable and the PortWe have seen that sometimes when your device is old, and your cable connector is worn out, you may have the issue. This happens because your iPad is not getting the charge it needs from your old cable. Use a wall power outlet and check for firm connections between your charging cable, USB wall adapter, and wall outlet, or try a different outlet. With older devices, you may also want to check out the charging port and make sure that there is no debris in the port. Remove any debris from the charging port on the bottom of your device by using a Q-Tip, plastic paperclip, or toothpick, then firmly plug your charging cable into your device. If the charging port is damaged, your device probably needs service. The chances are that your iPad Battery is still functioning and may not need a replacement. If you have tried all the steps and had no success, it may indicate that you are having a worn-out battery issue. The best way to confirm this is to check with Apple so that they can run a Battery Service on your iPad. If your iPad is out of warranty, the battery Service costs about $99. Please make sure to try all the above steps before you decide to contact Apple and spend extra. No Time? Check Out Our Video!iPad Stuck in a Reboot Loop?If your iPad starts to boot but then flashes to a black screen over and over again, it’s locked into a Reboot Loop. The chances are that your iPad has so little battery charge that it cannot complete even a startup. Usually, iPads don’t ATTEMPT to restart until there is enough battery power. But for the unlucky few, something is telling the iPad to try to boot even though the battery can’t last long enough to finish the process. Hence, the loop you experience–charging a little, attempting a boot, shutting off, charging a little, trying to boot and so forth again and again. We need to get your iPad sufficiently charged to complete a normal and full boot cycle
Home Button Not Working?If your home button is broken or not responding and you’re stuck with a no-responsive iPad (or another iDevice), your best bet is to completely disconnect your iPad from any power source and wait for your iPad to run out of battery on its own. Once that completes, connect via iTunes and try to update or restore. Reader Tips
Contact AppleYou guessed it correctly; it’s time that you give Apple a call or go to a retail store nearby. If none of these solutions work for you, something might be wrong with its hardware and need replacement. The most common reasons are the backlight on the screen assembly, or the backlight coil on the logic board is damaged. If you are under warranty with Apple, give them a call or set-up an in-store appointment so for diagnostic services. If you are no longer under warranty, contact Apple and find out what options are available for you. SK Obsessed with tech since the early arrival of A/UX on Apple, Sudz (SK) is responsible for the original editorial direction of AppleToolBox. He is based out of Los Angeles, CA. Sudz specializes in covering all things macOS, having reviewed dozens of OS X and macOS developments over the years. In a former life, Sudz worked helping Fortune 100 companies with their technology and business transformation aspirations. |
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