Some organizations are banding together to lift people in Jacksonville out of poverty - by teaching them how to use their own money to do it.Many low and moderate wage workers live in communities where banks aren't plentiful, and financial education is virtually non-existent.Many also miss out on the Earned Income Tax Credit, a refundable federal income tax credit designed specifically for poorer workers. Others wind up paying high fees for rapid refund services.But several campaigns are under way to address these needs:Community Financial Access: A pilot program of the U.S. Department of Treasury, it aims to work with community organizations to help working class income people to open bank accounts.Right now, according to the Treasury Department, 10 million households currently lack a bank or credit union account. This puts them at a higher risk for robberies and thefts, and it makes it tough for them to build enough assets to save for a home or for an education.Jacksonville is one of eight communities chosen for the pilot.Real Sense Prosperity: Also known as the Northeast Florida Prosperity Campaign, this initiative is supported by United Way of Northeast Florida. Among other things, it helps poor people take full advantage of the federal Earned Income Tax Credit by providing free income tax preparation and financial literacy training.Each year, as much as $10 million in Earned Income Tax Credit refunds go unclaimed in Jacksonville - money that poor people could use to help build assets.1000 in 1000: Coordinated by Family Foundations, the agency formerly known as Family Counseling Services, this goal is to lift 1,000 people out of poverty in 1,000 days through showing them how to map their assets and develop a personal work plan to reach their goals.War on Poverty-Florida: Located in Gateway Marketplace, the Jacksonville chapter is working to build awareness about predatory lending and other exploitative practices, and to help people identify assets and ways to capitalize on them.The campaign has its work cut out for it.Between the recession and the foreclosure crisis, it's probably hard for many middle-class people, much less poorer people, to visualize anything beyond surviving until better times.Yet in spite of the current economic climate, the entire city will be better off if more of its citizens are empowered financially - so that when those better times come, more people will be poised to enter the economic mainstream.