Banks might have more success winning over underbanked consumers if they lowered initial deposit requirements, offered banking services to noncustomers and made more of an effort to let customers know that they offer small-dollar loans, according to a new report from the Federal Deposit Insurance Corp.

In a summary that accompanied a survey on how banks are serving unbanked and underbanked consumers, the FDIC also said banks that are most successful at reaching this group tend to have multi-lingual staff, more off-premise automated teller machines and, in some instances, extended hours on weekdays and weekends.

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