Michael Carney

To use Divvy you must have a debit or credit card. Currently, there's no way around that, so even though an annual Divvy pass is a bargain at $75, the system is unavailable for many Chicagoans. A significant share of city households -- 12.7 percent -- don't have bank accounts, according to graduate research by Michael Carney at the University of Illinois at Chicago's College of Urban Planning and Public Affairs. That translates to at least 135,000 people and perhaps more than twice that number, Carney's demographic research indicates.