In the USA, you don't have a right to a bank account.

In most cases, unless you bounced a check (There is a separate system banks use on checks. It not tied to credit agencies.) you can get an account by walking in with any check, or money, though.

Many of our poor are stuck with Payday, with their outrageous fees.

Some homeless shelters offer p.o. boxes. Very few sadily.

All the Covid fun money blown out of tee shirt bazokas to fraudsters, and big healthy businesses; none went to people without an address. None.