Those who have a basic bank account - a no-frills account often used by those with a chequered credit history - or a student account with Lloyds Banking Group receive paper statements at least once every three months.
She first came to the UK as a visitor in 2003, but then changed her status to student and attempted to enrol on a banking course at a city college, her solicitor explained.
To combat the population loss and anchor an economic revival, Binghamton leaders are banking on small businesses and, increasingly, the 15, 000-student Binghamton University.