The federal government supported the land offer made in this advertisement by

To help develop the American West and spur economic growth, Congress passed the Homestead Act of 1862, which provided 160 acres of federal land to anyone who agreed to farm the land. The act distributed millions of acres of western land to individual settlers. Until the Civil War, opposition from Southern legislators, who feared homesteaders would work to prevent slavery in new territories, and some Northern legislators, who feared the cheap land would lower property values and lure laborers west, prevented passage of the legislation. But with the dramatic departure of the Southern senators in 1861, supporters finally succeeded. Similar legislation, the Southern Homestead Act of 1866, offered the same promise to loyal Southerners and freedmen who could settle public lands. Passage of these acts encouraged farming of more land during the war years and continued to do so for decades to come. By 1890 the federal government had granted 373,000 homesteads on some 48 million acres of undeveloped land.

The second half of the nineteenth century was the era of railroad land grants. Between 1850 and 1872 extensive cessions of public lands were made to states and to railroad companies to promote railroad construction.[18] Usually the companies received from the federal government, in twenty- or fifty-mile strips, alternate sections of public land for each mile of track that was built. Responsibility for surveying and mapping the grants fell to the U.S. General Land Office, now the Bureau of Land Management. Numerous maps of the United States and individual states and counties were made which clearly indicated the sections of the granted land and the railroad rights-of-way.

Land grant maps were frequently used by land speculators to advertise railroad lands for sale to the public. As early as 1868 most western railroads established profitable land departments and bureaus of immigration, with offices in Europe, to sell land and promote foreign settlement in the western United States. Consequently, the Library's collections also include some foreign-language maps aimed at both the immigration already on the East Coast and the prospective one in Europe.

Competition between speculators may have led to the idea of the distortion of railroad maps to emphasize one state, area, or line to the advantage of the advertiser. This idea, derived from the government land grant maps, may have been perpetuated by the mapping of the Illinois Central Railroad after it was granted land along its path in 1850. In John W. Amerman's book entitled The Illinois Central Rail-Road Company Offers for Sale Over 2,000,000 Acres Selected Farming and Wood Land (New York, 1856) appears an "Outline map of Illinois" which emphasizes the Illinois Central Railroad by a heavy black line, with stations placed evenly along the line to give the illusion of proximity of towns along the lines. This practice of manipulating scale, area, and paths of railroads became common practice in advertising maps of the 1870s and early 1880s and in railroad timetable maps.

This was an advertisement created by the Burlington & Missouri River Railroad Co. in 1872 to increase land sales in Iowa and Nebraska. This flyer promoted "millions of acres" of land being sold on 10 years credit with six percent interest.  

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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.  

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.

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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?

Those who have a checking or savings account, but also use financial alternatives like check cashing services are considered underbanked. The underbanked represented 14% of U.S. households, or 18.7 million, last year.   

Why are people unbanked or underbanked?

Many of those who are unbanked say they can't afford to have an account because of the fees for insufficient funds and overdrafts that are tacked on when account balances fall short. Roughly 29% said fees or not having the required minimum balance were the primary reasons they didn't have a checking or savings account, as compared to 38% who cited those obstacles in 2019.

Are some groups more likely to be unbanked? 

The numbers of the unbanked were greater among households that included those who were working age and disabled, lower income, included a single mother, or were Black or Hispanic. Among white households for instance, 2% didn't have a bank account last year as compared to 11% and 9% of their Black and Hispanic counterparts.

Meanwhile, nearly 15% of households with a working age member who had a disability were unbanked compared to almost 4% of other households. And  nearly 16% of households with a single mother were unbanked as compared to about 2% of married couples who lacked an account. 

 "These gaps attest there's still a lot of opportunity to expand participation across the population in the banking system,'' Keith Ernst, Associate Director of Consumer Research and Examination Analytics at the FDIC, said during a media call about the report.            

Will the number of unbanked rise if the U.S. has a recession? 

Perhaps.

"During the last recession unbanked rates did indeed go up,'' Karyen Chu, chief of the Banking Research Section at the Center for Financial Research, said during the call. 

Additionally, last year, homes where the head of household was out of work were nearly five times more likely to not have a bank account as compared to those where the household head was employed.

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"To the extent that income goes down ... that has generally been associated with increases in unbanked rates,’’ Chu said. 

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