As 28 million Americans know, living without a bank out has its perks. For example, there are no overdraft fees, no worry about bouncing your rent check and there is no need to hunt all over town looking for YOUR banks ATM machine. But it also means it next to impossible to get a decent rate on a mortgage or get approved on a car loan. Frank Garcia, Chairman of the Hispanic Bronx Chamber of Commerce and also the owner of Millenium Recycled Toner walks us through the pros and cons of going bankless.