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Overcoming Poverty: 8 Alabama counties have 3 or fewer banks, creating challenges in underserved communities

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Overcoming Poverty: 8 Alabama counties have 3 or fewer banks, creating challenges in underserved communities


MONTGOMERY, Ala. (WSFA) – Rural Alabama faces many unique problems; among them is the challenge of banking. A 2021 report from the Federal Deposit Insurance Corporation, or FDIC, shows that over 230,000 Alabamians are considered “unbanked,” meaning they do not have a bank account.

Alabama Banker’s Association President & CEO Scott Latham said owning a bank account is critical today more than ever.

“If you don’t have access to a bank or to a bank account, there may be challenges with building credit, there may be challenges in not being able to obtain a loan or obtain the products or services that [you] may need,” Latham said.

Trust, not enough money, or bank branches being too far away are some of the reasons why there are still many people without an account.

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All 67 counties in the Yellowhammer State have physical bank branches, but for those living in Macon, Coosa, Perry, Wilcox, Green, Hale, Bullock, and Conecuh counties, there are three or fewer locations residents can choose from.

Some of Alabama’s counties have three or fewer banks.(Source: WSFA 12 News)

“Our community is filled with senior citizens who don’t have the means to ensure that they can get 20 miles down the road to another bank institution, in order to do their business on a monthly basis,” said Emefa Butler, Founder of the C.H.O.I.C.E Center in Uniontown. CHOICE is short for “Choosing to Help Others In Our Community Excel.”

Thousands of Alabamians are considered “unbanked” for multiple reasons. The banking industry hopes it can build truck through financial education.

Butler has been in the finance business for 15 years, and she has seen how the lack of financial literacy has hindered people from getting access to “what they need from a financial perspective” to overcome poverty.

Cadence Bank closed its Uniontown branch in July, saying in a statement that the decision was a “difficult one” but that it would “allow us to optimize and strengthen our branch network and ultimately best serve our customers.”

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Overcoming Poverty in Alabama

Community banks in rural areas have been working to get more people to sign up for a bank account. Bank presidents say that it requires them to start a conversation with people in their communities and figure out their individual needs.

“We allowed people to come in and open the account without any money in it as long as they were receiving a direct deposit,” said Richard Wright, Interim President of Town-Country United Bank in rural Camden.

While the number of unbanked individuals in Alabama has decreased over the years, Wright believes that banks will have to do more if they want to reach those who remain.

Marion Community Bank President and CEO Guy Davis said bank customers building a relationship with their banker could be essential in a time of need.

“They’ll be the ones to hold hands with you and get you out of the ditch,” Davis said.

Financial education resources are available through banks and nonprofits.

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The following nonprofits offer financial education:

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Alabama

James Spann: Dry Monday for Alabama; showers possible Tuesday through Friday – Alabama News Center

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James Spann: Dry Monday for Alabama; showers possible Tuesday through Friday – Alabama News Center


DRY, MILD MONDAY: With a partly sunny sky, we are forecasting a high in the upper 70s for north Alabama today, with low 80s for the southern counties. The average high for Birmingham on Nov. 4 is 69.

Moisture will increase in coming days, and we will bring in a chance of scattered showers and thunderstorms Tuesday and each day through Friday as a surface front stalls out just to the northwest. Rain distribution won’t be very even, but any one spot will see a 40-50% chance of seeing rain each day. Highs will stay between 77 and 81 degrees across Alabama.

THE ALABAMA WEEKEND: There is a huge amount of uncertainty due to model differences in handling the tropical system in the Gulf of Mexico. The American Global Forecast System model suggests Saturday will bring widespread, beneficial rain, while the European global model shows little rain as it keeps the tropical system far to the southwest. We will have much better clarity over the next 36-48 hours; for now, we will mention a chance of rain Saturday, with a trend toward drier weather Sunday. Highs over the weekend will be in the 70s.

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TROPICS: Potential Tropical Cyclone 18 is in the Caribbean, about 260 miles south of Kingston, Jamaica. Winds are 35 mph, and the system is expected to become Tropical Storm Rafael over the next 24 hours.

The latest National Hurricane Center forecast track brings it over the western tip of Cuba as a Category 1 hurricane Wednesday, and into the southern Gulf of Mexico Thursday. From there, weakening is likely due to cooler sea-surface temperatures and stronger winds aloft, producing shear. It is too early to know whether Alabama will see beneficial rain; it is just one possibility. We will have much better clarity once the system becomes organized and we get dropsonde data from hurricane hunters.

ON THIS DATE IN 1935: A Category 2 storm called the Yankee Hurricane affected the Bahamas and south Florida. The storm remains the only tropical cyclone to hit Miami from the northeast in November.

ON THIS DATE IN 1985: The remnants of tropical storm Juan dropped 10 to 19 inches of rain on West Virginia and surrounding states, causing 62 deaths. A maximum rainfall amount of 19.77 inches was recorded near Montebello in the Blue Ridge Mountains of Virginia. The flood in West Virginia was considered the worst in the state’s history.

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For more weather news and information from James Spann and his team, visit AlabamaWx.



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Alabama Gov. Kay Ivey treated for dehydration at campaign rally

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Alabama Gov. Kay Ivey treated for dehydration at campaign rally


MONTGOMERY, Ala. — Alabama Gov. Kay Ivey was treated by paramedics Sunday after appearing to become unsteady at a campaign rally for congressional candidate Caroleene Dobson.

Ivey’s office said the governor had gotten dehydrated and is recovering after being treated with fluids.

Ivey, 80, was attending a Sunday evening campaign rally for Dobson at SweetCreek Farm Market in Pike Road, about 18 miles (29 kilometers) southeast of Montgomery, when the incident occurred. Witnesses said Ivey was shaking as she stood with Dobson and held on to a beam for support. WAKA posted video from the event showing the governor looking unsteady. The station reported that members of Ivey’s staff then ran up to her. An ambulance was called to the scene.

“While campaigning for Caroleene Dobson at an event this evening, the governor got dehydrated. She received fluids and was evaluated on site out of precaution. She immediately felt better and is at home doing well this evening,” Ivey spokeswoman Gina Maiola wrote in a texted statement.

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The Republican governor announced in 2019 that she had been diagnosed with early stage lung cancer and would undergo radiation treatments. She said in 2020 that the cancer appeared to be gone and that her doctor considered her cancer-free.

Dobson is the Republican nominee in the 2nd Congressional District. Ivey has endorsed Dobson in the race.



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AHSAA lowers the boom on three Alabama high school football teams

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AHSAA lowers the boom on three Alabama high school football teams


Three Alabama schools, including a 2023 state runner-up, have been fined and forced to forfeit a number of games for playing an ineligible player during the 2024 season. All three will miss the playoffs as a result.

Coosa Christian, located about an hour northeast of Birmingham, lost its shot at another state championship berth after the Alabama High School Athletic Association (AHSAA) discovered that the school did not fully report how many games an ineligible player competed in, according to a story by The Gadsden Times.

The AHSAA previously forced the private school to forfeit a victory against Cleveland High for violating the Coaching Outside the School Year rule. Now, the Conquerors must forfeit additional wins against Susan Moore, Falkville, Southeastern and Cold Springs as the ineligible player was found to have competed in at least five contests.

The five forfeitures are a huge blow to Coosa Christian, whose final regular-season record drops from 9-1 to 4-6. More damaging, however, was the forfeits dropped the Conquerors from 6-0 in Class 2A, Region 6 to 1-5. Coose Christian last season finished as Class 1A state runner-up and was a favorite for the Class 2A state title this year.

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Only the top four teams in each region in AHSAA football advance to the state playoffs. Coosa Christian slipped from first to sixth with the forfeits. The top four schools in the region now are Southeastern, Falkville, Susan Moore and Cold Springs.

The AHSAA announced that the school has been placed on restrictive probation through the end of the 2025 season, meaning the school may miss next year’s playoffs as well if it does not meet certain conditions.

In Birmingham, Fultondale High School has been forced to forfeit three regional games by the AHSAA after playing ineligible players in violation of the association’s transfer rule, according to a report by WBRC Channel 6 News.

The forfeitures against Class 4A, Region 5 opponents Hamilton, Fayette County, and Cordova drops the Wildcats to 3-6 overall, 2-5 in the region. Fultondale is in fifth place in the region currently and will miss the 2024 playoffs.

The top four schools in the region now are Good Hope, Dora, Hamilton and Fayette County.

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Further south in Troy, Charles Henderson High School has been forced to forfeit five games and placed on probation for one year by the AHSAA for violating an AHSAA transfer rule, per a story by .

An eligible player was found to have competed in Class 5A, Region 2 wins against Andalusia, Eufaula, Greenville, Carroll and Headland. The forfeitures drop Charles Henderson from 5-1 to 0-6 in the region, knocking the Trojans out of the playoffs.

The top four schools in the region are Montgomery Catholic, Andalusia, Eufaula, and Greenville.

Earlier this season, Pike Liberal Arts was forced to forfeit six wins by the AHSAA for violating the transfer rule, knocking the Patriots out of the playoffs, per a story by . An ineligible player competed in all six contests, per a story by the Tuscaloosa News.

Three of the six forfeitures were Class 2A, Region 3 games, dropping the Patriots to 0-9 overall, 0-6 in the region. Pike Liberal Arts then fell to Loachapoka, 40-17, to finish the year at 0-10.

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Pike Liberal Arts made its debut in the AHSAA this season after competing in the Independent classification the last two years.

— Jeff Gardenour | jgardenour1962@gmail.com | @JMarkG1962



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