USPS Banking
Design Research, UI/UX
Carol Montelongo
Kylee Palmer

Research Lead: Kylee Palmer
Visuals: Carol Montelongo, Kylee Palmer
UX Lead: Carol Montelongo
UI Lead: Kylee Palmer
Social Media: Carol Montelongo
Photography: Courtesy of Unsplash
Approximately 8.4 Million US citizens (6.5%) are considered unbanked and an additional 18.7% are considered underbanked. Some have pointed to the United States Postal Service as a possible solution for providing services to these individuals. This isn’t a new thing: In other countries, post offices provide some of the most common banking services. In fact, up until 1966, so did the USPS!

To provide a safe user-friendly banking service specifically accommodating for underbanked and unbanked individuals so they have easy-to-use tools and educational services as a stepping stone to reaching their financial goals.

The Approach is to utilize the USPS' current assets and add a banking branch, USPS Banking. With this banking service, we will provide multiple solutions to specific users' needs that aren't currently met due to a lack of options available to them.​​​​​​​
Low Income | Elderly | Immigrant | Young Adult
To help ease Bethany's pains, we created a mobile app and website. This will provide her with banking on the go and a better way to pay bills. She also has access to low-interest loans and financial guidance. The big difference between USPS banking and a normal bank account is we do not offer a debit card. USPS banking is a stepping stone to financial security, not including a debit card encourages users to get an actual bank account once they're ready.
We built a website landing page to indicate how important information is to those unaccustomed to USPS Banking. The website also has the ability for people to log in to their account if they prefer desktop over the mobile app.
To implement a kiosk system that is set up at all local USPS locations, gas stations, grocery stores, and college campuses. This system will have a call feature, so Angie will have access to guidance as needed. The kiosk will also be beneficial for her because of the language options and account features. To access her account there will be a log-in feature due to the exclusion of debit cards.
Utilizing the mailing services already in place, USPS banking will include an envelope system allowing Ralph to deposit money and pay bills from home. This feature will include multiple language options as well as monthly and bi-monthly receiving plans set to the date(s) of your choosing.
We created a system that comes with 3 envelopes: the deposit, the bill pay, and the outer. The deposit and bill pay envelopes come with slips allowing you to include as many transactions you need that period. The outer envelope is used to hold the other two and is meant to be filled out and placed in your mailbox.
To utilize social media apps Carlos is already using as an opportunity to educate him and other young adults on banking systems, loans, managing finances, etc. Using Instagram's highlight reel feature we created "online brochures" that are easy to follow and provide helpful information about banking.

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