Gone are the days when banks turned their backs on the Bronx and refused to make loans here, a practice known as redlining that played a huge role in our borough’s economic decline a generation ago. Yet the legacies of these discriminatory practices continue. Not only does the Bronx have the highest level of residents who are “unbanked” or “underbanked” in the City (they often use high cost “fringe” financial services, like check cashing shops, instead), but we also have the lowest number of bank branches per household of any county in the state, and perhaps in the nation.