On a more macro level, banking Black feels even better given my understanding of how banks actually work within communities. It’s important to support black businesses in general, but it’s paramount when it comes to banking, given that the role of a bank in any community is to be a recycler . Black banks have had a hard time attracting Black dollars over the years, partly because too many of us do not understand the basic function of banks. To put it simply, banks take deposits from customers and turn around and use that money to make loans to other customers. In the case of black-owned banks, these loans can potentially provide economic opportunity to people in our community who may not have otherwise been given a chance by large majority-owned institutions; opportunities such as having their business ventures funded or being able to purchase a home . When the banker at Carver Federal Savings Bank explained their mission to me, and how my deposit will help advance that cause, I really felt like I was doing my part.who else will? And if the major financial institutions won’t take risk on our people/ ideas,who else can we look to? It issolely up to usto use these resources to our benefit, or we risk seeing more of these crucial institutions tragically disappear