Adults who do not have their own bank accounts. Along with the underbanked, they may rely on alternative financial services for their financial needs, where these are available. These people may not be unbanked voluntarily, but rather due to their situation. This could stem from a lack of access/infrastructure where they live, inability to meet or afford the minimum bank balances or fees, due to distrust with the banking system or a bad previous experience, or lack of a government issued ID. An estimated 10 to 20 percent of Canadians are either unbanked or underbanked.