Economic development of women is one of the sectors which still remain highly deprived. Women form half of work force in unorganized sector after agriculture. Gradually women work force is engaging from unskilled to semi-skilled jobs to skilled jobs. Two blocks of Jammu state were taken for study with 15 respondents from each block. One set of respondents was rural farm women from Akhnoor district and the other was urban unskilled women of walnut factory from Narwal block. It was studied that urban unskilled women workers had comparatively high percentage (36%) of bank accounts with ATM cards and were operating it.