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On the Tuesday after Thanksgiving, Elrod opened a checking account at a First Community Bank branch located just across the state line in the twin town of Bluefield, Virginia.Despite her hand-to-mouth circumstances, Elrod’s new account soon began to receive a series of sizable wire transfers, many of which originated abroad.She’d been out of work for a year, ever since quitting her longtime clerical job at the county public health department in Charlotte, North Carolina.The 45-year-old divorcée and junior-college dropout now lived in Bluefield, West Virginia, a fading town near the Appalachian coalfields where she’d been raised.Elrod would spend the next few hours visiting other Bluefield establishments that offer Money Gram or Western Union services: the Advance America payday loan store, the Food City supermarket, the austere cash-for-titles joint located literally under Route 460.

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