With an eye toward attracting the deposits of the unbanked, an 18-month-old community bank in Charlotte, N.C., is playing middleman to local Mexican-Americans who send money to their families back home.

American Community Bank is test marketing a service that will let Mexican-Americans wire money using a smart card at a terminal in an American Community office. The $90 million-asset bank will charge a fee for this service, but it said it is more interested in winning the business of local Hispanics, many of whom do not have bank accounts.

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