Wow, so many clueless people on this forum... I don't have a checking account thanks to the great American banking system fraud. Let me explain how this works (and more people than you realize have this issue in America.)
I had a bank that lost $1000 from my account which made me $3 overdrawn. As I was fighting with them to show how it was their mistake, they were racking up overdraft charges until my account became $503 overdrawn ( the 3 plus 500 in overdraft fees.) Finally someone saw the mistake and they reveresed all charges... but it was too late, by that time they had already reported me to ChexSystems, a completely unregulated private company that all banks go through before you can open a checking account (checking accounts do not depend on your credit thought they say they run your credit, but they ALL go through ChexSystems.) Once you are un ChexSystems, even if you have proof that it was the banks error and you have a letter from them as I did, you are still stuck on ChexSystems for 10 years and NO bank will open an account for you at all. I've tried them all.
So this lady is most likely on ChexSystems which is why she can't get a checking account. to the poster who said "and if you get paid via check then you must have a checking account" have you not heard of check cashing stores? This was my only solution. You can cash your payroll check at a check cashing store (for a very high fee) and some of them also provide prepaid Debit Cards. That's want she could have done.
Many, many people are in this situation regardless of income, status, race, etc. In my case I make $95,000 per year with my own business and I can't have a checking account and have to cash my checks (that are written in my company's name) at a stupid check cashing store thanks to the stupid way the banking industry conducts business...