1. Short title This Act may be cited as the Banking for All Act . 2. Definitions In this Act: (1) Digital dollars The term digital dollars means dollar balances consisting of digital ledger entries recorded as liabilities in the accounts of any Federal reserve bank. (2) Digital dollar wallets The term digital dollar wallet means a digital wallet or account, maintained by a Federal reserve bank on behalf of any person, for the purpose of holding digital dollar balances. (3) Member bank The term member bank means any national bank, State bank, or bank or trust company which has become a member of one of the reserve banks created by the Federal Reserve Act ( 12 U.S.C. 221 et seq.). (4) Pass-through digital dollar wallets The term pass-through digital dollar wallet means a digital wallet or account, maintained by a member bank on behalf of any person, entitling that person to a pro rata share of a pooled reserve balance that the member bank maintains at any Federal reserve bank. (5) Postal retail facility The term postal retail facility — (A) means post office, post office branch, post office classified station, or other facility that is operated by the Postal Service, the primary function of which is to provide retail postal services