Brian does not have a checking account. He primarily uses money orders and certified checks to make payments. Brian is

the options are missing, so I looked for them:

The answer is:

C: underbanked

A person (or household) that is underbanked is someone who might have some type of bank account, either savings or checking account, but doesn't use them properly and generally relies on what are considered alternative financial services. Alternative financial services include making payments through money orders or certified checks, using check cashing services, payday loan services, etc.

Generally due to a low credit score or simply lack of financial knowledge, they do not use traditional banking services like personal loans, credit cards, etc., which are cheaper to use.

When someone is unbanked, they simply do not use any type of banking services.