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pdf2013 FDIC
National
Survey of
Unbanked
and
Underbanked
Households
Appendices
Federal Deposit
Insurance Corporation
October 2014
Members of the FDIC Unbanked/Underbanked Survey Study Group
Authors:
Susan Burhouse, Karyen Chu, Ryan Goodstein, Joyce Northwood, Yazmin Osaki, Dhruv Sharma
Contributors:
Keith Ernst, Alicia Lloro, Sherrie Rhine
2013 FDIC National Survey
of
Unbanked
and
Underbanked Households • October 2014
2
Appendix Table of Contents
Appendix A – Banking Status of U.S. Households: National Tables.........................................................................................................5
Appendix B – Checking and Savings Account Ownership, and Automatic Transfers: National Tables.................................. 31
Appendix C – Prepaid Debit Cards: National Tables................................................................................................................................... 39
Appendix D – Alternative Financial Services: National Tables................................................................................................................ 57
Appendix E – Mobile Phone, Smartphone and Internet Access: National Tables........................................................................... 95
Appendix F – Banking Methods: National Tables......................................................................................................................................105
Appendix G – State Tables..................................................................................................................................................................................115
Appendix H – MSA Tables...................................................................................................................................................................................129
Appendix I – FDIC Technical Notes.................................................................................................................................................................143
Appendix J – 2013 Revisions to the FDIC National Survey of Unbanked and Underbanked Households...........................149
Appendix K – 2013 Survey Instrument..........................................................................................................................................................153
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
3
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
4
Appendix A – Banking Status of U.S.
Households: National Tables
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
5
A-1a Banking Status By Household Characteristics, 2013
For all households, row percent
Characteristics
All
Number of
Households
(1000s)
Percent of
Households
Unbanked
(Percent)
Banked:
Underbanked
(Percent)
Banked: Fully
Banked
(Percent)
Banked:
Underbanked
Status
Unknown
(Percent)
123,750
100
7.7
20.0
67.0
5.3
Married couple
59,102
100
3.4
17.7
73.9
5.0
Unmarried female-headed family
15,802
100
18.4
29.2
47.5
4.9
6,327
100
13.2
28.3
53.7
4.8
Female individual
22,150
100
7.4
17.2
69.4
6.0
Male individual
20,240
100
10.7
20.0
63.7
5.7
128
100
16.3
17.5
58.6
7.6
Black
16,801
100
20.5
33.1
40.0
6.3
Hispanic
14,948
100
17.9
28.5
48.4
5.1
Asian
5,882
100
2.2
17.9
73.4
6.6
American Indian/Alaskan
1,464
100
16.9
25.5
53.0
4.6
Hawaiian/Pacific Islander
314
100
6.1
25.1
64.5
4.2
White non-Black non-Hispanic
84,310
100
3.6
15.9
75.4
5.0
Other non-Black non-Hispanic
NA
NA
NA
NA
NA
NA
Spanish is not the only language
spoken
121,097
100
7.1
19.9
67.6
5.3
Spanish is only language spoken
2,654
100
34.9
23.7
38.1
3.3
106,397
100
6.9
19.1
69.0
5.1
Foreign born citizen
9,252
100
4.7
24.0
64.6
6.7
Foreign born non citizen
8,102
100
22.7
28.0
43.9
5.4
15 to 24 years
6,244
100
15.7
30.8
48.8
4.6
25 to 34 years
20,464
100
12.5
24.7
58.3
4.6
35 to 44 years
21,408
100
9.0
23.8
62.5
4.6
45 to 54 years
24,551
100
7.5
21.9
65.4
5.2
55 to 64 years
22,710
100
5.6
17.7
71.7
5.0
65 years or more
28,372
100
3.5
11.6
78.2
6.7
Disabled
10,841
100
18.4
28.1
49.0
4.5
Not Disabled
78,293
100
7.2
21.1
66.8
4.9
Not Applicable
34,616
100
5.7
15.1
72.9
6.3
Household Type
Unmarried male-headed family
Other
Race/Ethnicity
Spanish only language spoken
Nativity
U.S.-born
Age Group
Disability Status
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
6
A-1a Banking Status By Household Characteristics, 2013
For all households, row percent
Characteristics
Number of
Households
(1000s)
Percent of
Households
Unbanked
(Percent)
Banked:
Underbanked
(Percent)
Banked: Fully
Banked
(Percent)
Banked:
Underbanked
Status
Unknown
(Percent)
Education
No high school degree
13,871
100
25.1
24.1
46.3
4.6
High school degree
33,684
100
10.8
21.9
61.7
5.6
Some college
36,007
100
5.6
23.0
66.2
5.2
College degree
40,188
100
1.1
14.3
79.3
5.3
75,587
100
5.4
21.7
67.8
5.0
Employment Status
Employed
Unemployed
5,436
100
23.0
25.3
47.8
3.8
42,727
100
9.9
16.3
67.9
5.9
19,044
100
27.7
22.4
45.2
4.7
Between $15,000 and $30,000
21,763
100
11.4
25.0
57.9
5.7
Between $30,000 and $50,000
24,496
100
5.1
23.3
65.7
5.9
Between $50,000 and $75,000
22,552
100
1.7
19.8
73.2
5.2
At Least $75,000
35,895
100
0.5
13.6
81.0
4.9
Homeowner
80,136
100
2.6
15.5
76.7
5.2
Non-homeowner
43,614
100
17.3
28.2
49.2
5.3
Not in labor force
Family Income
Less than $15,000
Homeownership
Geographic Region
Northeast
22,199
100
6.8
19.3
68.4
5.5
Midwest
27,315
100
6.4
16.9
71.4
5.2
South
46,738
100
9.2
23.5
62.1
5.2
West
27,498
100
7.4
17.6
69.6
5.3
Metropolitan area - Principal City
34,510
100
11.4
22.3
60.8
5.5
Metropolitan area - Balance
51,229
100
5.5
17.8
71.1
5.6
Not in Metropolitan area
19,325
100
8.5
21.0
66.1
4.5
Not Identified
18,686
100
6.4
20.8
68.1
4.8
Metropolitan Status
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
7
A-1b Household Characteristics By Banking Status, 2013
For all households, column percent
Characteristics
Number of Households (1000s)
All
Banked:
Underbanked
Unbanked
Banked:
Underbanked
Status Unknown
Banked: Fully
Banked
123,750
9,582
24,757
82,892
6,519
100
100
100
100
100
Married couple
47.8
21.2
42.3
52.7
45.2
Unmarried female-headed family
12.8
30.3
18.7
9.1
12.0
Percent of Households
Household Type (Percent)
Unmarried male-headed family
5.1
8.7
7.2
4.1
4.7
Female individual
17.9
17.1
15.4
18.6
20.5
Male individual
16.4
22.5
16.4
15.5
17.6
0.1
0.2
0.1
0.1
0.1
Black
13.6
36.0
22.5
8.1
16.3
Hispanic
12.1
28.0
17.2
8.7
11.7
Asian
4.8
1.3
4.2
5.2
5.9
American Indian/Alaskan
1.2
2.6
1.5
0.9
1.0
Hawaiian/Pacific Islander
0.3
0.2
0.3
0.2
0.2
White non-Black non-Hispanic
68.1
31.9
54.2
76.7
64.8
Other non-Black non-Hispanic
-
-
-
-
-
97.9
90.3
97.5
98.8
98.6
2.1
9.7
2.5
1.2
1.4
Other
Race/Ethnicity (Percent)
Spanish only language spoken (Percent)
Spanish is not the only language spoken
Spanish is only language spoken
Nativity (Percent)
U.S.-born
86.0
76.2
81.9
88.5
83.7
Foreign born citizen
7.5
4.6
9.0
7.2
9.6
Foreign born non citizen
6.5
19.2
9.2
4.3
6.7
15 to 24 years
5.0
10.3
7.8
3.7
4.4
25 to 34 years
16.5
26.7
20.4
14.4
14.3
35 to 44 years
17.3
20.1
20.6
16.1
15.3
45 to 54 years
19.8
19.3
21.7
19.4
19.6
55 to 64 years
18.4
13.3
16.2
19.7
17.3
65 years or more
22.9
10.3
13.3
26.8
29.2
8.8
20.8
12.3
6.4
7.6
Not Disabled
63.3
58.6
66.7
63.1
58.8
Not Applicable
28.0
20.6
21.1
30.4
33.6
Age Group (Percent)
Disability Status (Percent)
Disabled
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
8
A-1b Household Characteristics By Banking Status, 2013
For all households, column percent
Characteristics
All
Banked:
Underbanked
Unbanked
Banked: Fully
Banked
Banked:
Underbanked
Status Unknown
Education (Percent)
No high school degree
11.2
36.3
13.5
7.7
9.7
High school degree
27.2
38.1
29.8
25.1
28.9
Some college
29.1
20.9
33.5
28.8
28.7
College degree
32.5
4.8
23.2
38.4
32.7
61.1
42.9
66.3
61.9
58.1
4.4
13.1
5.6
3.1
3.2
34.5
44.0
28.2
35.0
38.7
Less than $15,000
15.4
55.1
17.2
10.4
13.9
Between $15,000 and $30,000
17.6
25.8
22.0
15.2
18.9
Between $30,000 and $50,000
19.8
13.0
23.0
19.4
22.1
Between $50,000 and $75,000
18.2
4.1
18.0
19.9
18.1
At Least $75,000
29.0
2.1
19.7
35.1
27.0
Homeowner
64.8
21.3
50.3
74.1
64.3
Non-homeowner
35.2
78.7
49.7
25.9
35.7
Northeast
17.9
15.7
17.3
18.3
18.8
Midwest
22.1
18.2
18.7
23.5
22.0
South
37.8
44.8
44.4
35.0
36.9
West
22.2
21.3
19.6
23.1
22.3
Metropolitan area - Principal City
27.9
41.2
31.1
25.3
28.9
Metropolitan area - Balance
41.4
29.3
36.9
43.9
44.2
Not in Metropolitan area
15.6
17.1
16.4
15.4
13.2
Not Identified
15.1
12.4
15.7
15.4
13.7
Employment Status (Percent)
Employed
Unemployed
Not in labor force
Family Income (Percent)
Homeownership (Percent)
Geographic Region (Percent)
Metropolitan Status (Percent)
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
9
A-2 Unbanked Rates By Household Characteristics And Year, 2011-2013
For all households
Characteristics
2011
Estimate Diff
from 2011
2013
Household Type
Married couple
3.7
3.4
-0.25
Unmarried female-headed family
19.1
18.4
-0.71
Unmarried male-headed family
14.3
13.2
-1.07
7.8
7.4
-0.47
Male individual
11.4
10.7
-0.75
Other
10.9
16.3
5.46
Black
21.4
20.5
-0.85
Hispanic
20.1
17.9
-2.22*
2.7
2.2
-0.54
American Indian/Alaskan
14.5
16.9
2.41
Hawaiian/Pacific Islander
6.2
6.1
-0.13
White non-Black non-Hispanic
4.0
3.6
-0.34*
Other non-Black non-Hispanic
-
2.8
2.80
7.6
7.1
-0.45*
36.9
34.9
-1.99
U.S.-born
7.4
6.9
-0.5*
Foreign born citizen
5.4
4.7
-0.67
22.2
22.7
0.54
15 to 24 years
17.4
15.7
-1.63
25 to 34 years
12.7
12.5
-0.21
35 to 44 years
9.3
9.0
-0.29
45 to 54 years
8.1
7.5
-0.58
55 to 64 years
5.5
5.6
0.15
65 years or more
3.9
3.5
-0.40
18.9
18.4
-0.57
Not Disabled
7.4
7.2
-0.19
Not Applicable
6.5
5.7
-0.85*
No high school degree
25.8
25.1
-0.73
High school degree
10.9
10.8
-0.09
Some college
5.9
5.6
-0.33
College degree
1.1
1.1
0.04
Female individual
Race/Ethnicity
Asian
Spanish only language spoken
Spanish is not the only language spoken
Spanish is only language spoken
Nativity
Foreign born non citizen
Age Group
Disability Status
Disabled
Education
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
10
A-2 Unbanked Rates By Household Characteristics And Year, 2011-2013
For all households
Characteristics
2011
Estimate Diff
from 2011
2013
Employment Status
Employed
5.3
5.4
0.18
Unemployed
22.5
23.0
0.55
Not in labor force
11.0
9.9
-1.17*
Less than $15,000
28.2
27.7
-0.49
Between $15,000 and $30,000
11.7
11.4
-0.34
Between $30,000 and $50,000
4.9
5.1
0.15
Between $50,000 and $75,000
2.0
1.7
-0.22
At Least $75,000
0.4
0.5
0.14
2.8
2.6
-0.28*
18.5
17.3
-1.22*
Northeast
7.1
6.8
-0.30
Midwest
7.1
6.4
-0.75*
South
10.0
9.2
-0.81*
West
7.2
7.4
0.25
12.1
11.4
-0.65
Metropolitan area - Balance
5.6
5.5
-0.07
Not in Metropolitan area
9.2
8.5
-0.73
Not Identified
7.2
6.4
-0.80
Family Income
Homeownership
Homeowner
Non-homeowner
Geographic Region
Metropolitan Status
Metropolitan area - Principal City
* Indicates differences that are statistically significant at the 10% level.
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
11
A-3 Household Characteristics By Year, 2009-2013
For all households, column percent
Characteristics
2009
2011
2013
119,003
120,408
123,750
100
100
100
Married couple
49.9
47.8
47.8
Unmarried female-headed family
11.7
12.9
12.8
4.6
4.7
5.1
Female individual
17.8
18.0
17.9
Male individual
15.9
16.4
16.4
0.1
0.1
0.1
Black
13.1
13.3
13.6
Hispanic
11.1
11.4
12.1
Asian
4.0
4.1
4.8
American Indian/Alaskan
1.2
1.2
1.2
Hawaiian/Pacific Islander
0.2
0.2
0.3
White non-Black non-Hispanic
70.4
69.8
68.1
Other non-Black non-Hispanic
-
-
-
97.9
98.0
97.9
2.1
2.0
2.1
86.6
86.5
86.0
Foreign born citizen
6.6
7.0
7.5
Foreign born non citizen
6.8
6.5
6.5
15 to 24 years
5.5
5.2
5.0
25 to 34 years
16.6
16.9
16.5
35 to 44 years
19.0
17.8
17.3
45 to 54 years
20.9
20.5
19.8
55 to 64 years
17.0
18.3
18.4
65 years or more
21.0
21.3
22.9
Number of Households (1000s)
Percent of Households
Household Type (Percent)
Unmarried male-headed family
Other
Race/Ethnicity (Percent)
Spanish only language spoken (Percent)
Spanish is not the only language spoken
Spanish is only language spoken
Nativity (Percent)
U.S.-born
Age Group (Percent)
Disability Status (Percent)
Disabled
8.5
9.1
8.8
Not Disabled
65.0
64.4
63.3
Not Applicable
26.5
26.5
28.0
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
12
A-3 Household Characteristics By Year, 2009-2013
For all households, column percent
Characteristics
2009
2011
2013
Education (Percent)
No high school degree
12.6
11.9
11.2
High school degree
29.1
28.6
27.2
Some college
28.0
28.2
29.1
College degree
30.3
31.2
32.5
61.5
60.3
61.1
5.6
5.6
4.4
32.9
34.1
34.5
Less than $15,000
16.2
15.4
Between $15,000 and $30,000
18.3
17.6
Between $30,000 and $50,000
20.6
19.8
Between $50,000 and $75,000
18.3
18.2
At Least $75,000
26.6
29.0
Employment Status (Percent)
Employed
Unemployed
Not in labor force
Family Income (Percent)
Homeownership (Percent)
Homeowner
67.6
65.7
64.8
Non-homeowner
32.4
34.3
35.2
Northeast
18.2
18.1
17.9
Midwest
22.4
22.3
22.1
South
37.0
37.3
37.8
West
22.4
22.3
22.2
Metropolitan area - Principal City
28.1
27.9
27.9
Metropolitan area - Balance
40.8
41.2
41.4
Not in Metropolitan area
15.9
15.9
15.6
Not Identified
15.2
15.0
15.1
Geographic Region (Percent)
Metropolitan Status (Percent)
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly
greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
13
A-4 Previous Banking Status By Household Characteristics, 2013
For all unbanked households, row percent
Number of
Households
(1000s)
Percent of
Households
Had bank
account
within last
year
(Percent)
9,582
100
8.9
36.5
52.6
0.5
1.5
Married couple
2,035
100
9.9
29.0
59.1
0.6
1.5
Unmarried female-headed family
2,902
100
10.0
36.9
51.5
0.3
1.4
Characteristics
All
Had bank
account
more than 1 Never had
yr ago
bank account
(Percent)
(Percent)
Previously
banked,
recency
unknown
(Percent)
Unknown
(Percent)
Household Type
Unmarried male-headed family
835
100
8.6
34.0
55.7
-
1.8
Female individual
1,634
100
8.9
43.7
45.3
0.6
1.5
Male individual
2,157
100
6.7
38.4
52.2
0.9
1.7
NA
NA
NA
NA
NA
NA
NA
Black
3,449
100
11.9
35.2
50.4
0.9
1.6
Hispanic
2,680
100
5.9
22.3
70.4
0.1
1.3
Asian
127
100
0.7
30.9
65.5
-
2.9
American Indian/Alaskan
248
100
10.3
46.7
41.5
-
1.5
Hawaiian/Pacific Islander
NA
NA
NA
NA
NA
NA
NA
White non-Black non-Hispanic
3,058
100
8.5
49.8
39.8
0.5
1.5
Other non-Black non-Hispanic
NA
NA
NA
NA
NA
NA
NA
8,656
100
9.5
39.2
49.2
0.6
1.5
926
100
3.2
11.1
84.0
-
1.7
7,303
100
10.0
42.6
45.1
0.7
1.6
438
100
7.9
23.2
68.3
-
0.6
1,842
100
4.7
15.1
78.5
0.1
1.5
15 to 24 years
982
100
11.0
22.1
66.0
-
1.0
25 to 34 years
2,555
100
11.2
35.3
51.5
0.7
1.2
35 to 44 years
1,931
100
9.2
38.6
51.3
0.5
0.5
45 to 54 years
1,851
100
8.2
39.3
49.4
0.7
2.5
55 to 64 years
1,272
100
5.2
43.3
48.8
0.6
2.2
991
100
6.6
35.5
55.5
0.2
2.2
Disabled
1,990
100
6.2
45.5
46.6
0.2
1.6
Not Disabled
5,620
100
9.9
35.9
51.9
0.8
1.5
Not Applicable
1,973
100
8.8
28.8
60.8
0.1
1.6
Other
Race/Ethnicity
Spanish only language spoken
Spanish is not the only language spoken
Spanish is only language spoken
Nativity
U.S.-born
Foreign born citizen
Foreign born non citizen
Age Group
65 years or more
Disability Status
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
14
A-4 Previous Banking Status By Household Characteristics, 2013
For all unbanked households, row percent
Number of
Households
(1000s)
Percent of
Households
Had bank
account
within last
year
(Percent)
No high school degree
3,478
100
5.6
30.3
63.0
0.3
0.8
High school degree
3,648
100
8.3
37.8
51.6
0.7
1.6
Some college
1,999
100
16.0
43.7
38.1
0.2
2.0
457
100
7.5
40.4
45.1
2.5
4.4
Employed
4,111
100
9.5
35.0
53.8
0.6
1.2
Unemployed
1,253
100
16.4
41.2
39.9
0.8
1.7
Not in labor force
4,219
100
6.1
36.5
55.2
0.4
1.8
Less than $15,000
5,277
100
7.7
37.3
53.7
0.4
0.9
Between $15,000 and $30,000
2,471
100
10.1
35.3
52.6
0.6
1.3
Between $30,000 and $50,000
1,244
100
10.0
37.2
49.9
0.9
2.0
Between $50,000 and $75,000
393
100
16.4
31.0
46.0
1.1
5.6
At Least $75,000
197
100
4.2
33.6
54.0
-
8.3
Homeowner
2,044
100
7.8
40.6
48.2
0.9
2.6
Non-homeowner
7,538
100
9.2
35.3
53.8
0.4
1.2
Northeast
1,501
100
8.5
36.6
52.8
0.6
1.5
Midwest
1,744
100
8.8
40.3
47.6
0.8
2.5
South
4,295
100
8.8
36.3
53.0
0.6
1.3
West
2,043
100
9.5
33.3
55.9
0.1
1.2
Metropolitan area - Principal City
3,948
100
9.0
32.7
56.4
0.4
1.5
Metropolitan area - Balance
2,810
100
9.4
37.1
50.8
0.7
1.9
Not in Metropolitan area
1,635
100
7.7
40.0
50.8
0.8
0.7
Not Identified
1,190
100
9.1
42.5
46.6
0.2
1.6
Characteristics
Had bank
account
more than 1 Never had
yr ago
bank account
(Percent)
(Percent)
Previously
banked,
recency
unknown
(Percent)
Unknown
(Percent)
Education
College degree
Employment Status
Family Income
Homeownership
Geographic Region
Metropolitan Status
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
15
A-5 Timeframe In Which Households Became Banked By Banking Status And Household Characteristics,
2013
For all banked households, row percent
Characteristics
All
Number of
Households
(1000s)
Percent of
Households
Banked in Last
12 Months
(Percent)
Banked prior to
last 12 months
(Percent)
1.7
96.0
Unknown
(Percent)
114,168
100
2.3
Banked: Underbanked
24,757
100
4.1
95.7
0.2
Banked: Fully Banked
82,892
100
1.0
98.9
0.2
6,519
100
1.2
61.4
37.4
Unbanked and Underbanked
Banked: Underbanked Status Unknown
Household Type
Married couple
57,067
100
1.1
96.9
2.0
Unmarried female-headed family
12,900
100
3.6
94.1
2.4
5,493
100
3.1
94.6
2.2
Female individual
20,516
100
1.2
96.1
2.7
Male individual
18,084
100
2.1
95.1
2.9
107
100
-
90.9
9.1
Black
13,352
100
3.5
93.4
3.1
Hispanic
Unmarried male-headed family
Other
Race/Ethnicity
12,268
100
3.5
94.2
2.3
Asian
5,755
100
1.6
95.6
2.8
American Indian/Alaskan
1,216
100
4.6
92.5
2.9
Hawaiian/Pacific Islander
295
100
1.1
92.7
6.3
White non-Black non-Hispanic
81,252
100
1.0
96.8
2.1
Other non-Black non-Hispanic
NA
NA
NA
NA
NA
112,441
100
1.6
96.1
2.3
1,727
100
7.2
90.5
2.4
99,094
100
1.5
96.3
2.2
Foreign born citizen
8,814
100
1.9
95.3
2.9
Foreign born non citizen
6,260
100
3.9
93.7
2.5
15 to 24 years
5,262
100
3.6
94.2
2.2
25 to 34 years
17,909
100
2.2
96.0
1.8
Spanish only language spoken
Spanish is not the only language spoken
Spanish is only language spoken
Nativity
U.S.-born
Age Group
35 to 44 years
19,477
100
2.0
95.7
2.3
45 to 54 years
22,700
100
1.9
95.9
2.2
55 to 64 years
21,438
100
1.3
96.5
2.2
65 years or more
27,381
100
0.8
96.3
2.8
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
16
A-5 Timeframe In Which Households Became Banked By Banking Status And Household Characteristics,
2013
For all banked households, row percent
Characteristics
Number of
Households
(1000s)
Percent of
Households
Banked in Last
12 Months
(Percent)
Banked prior to
last 12 months
(Percent)
3.6
94.2
Unknown
(Percent)
Disability Status
Disabled
8,852
100
2.2
Not Disabled
72,673
100
1.6
96.3
2.1
Not Applicable
32,643
100
1.3
96.0
2.7
10,393
100
4.4
93.1
2.5
Education
No high school degree
High school degree
30,036
100
2.1
95.2
2.6
Some college
34,008
100
1.6
96.2
2.2
College degree
39,731
100
0.6
97.3
2.1
Employment Status
Employed
Unemployed
Not in labor force
71,476
100
1.6
96.2
2.2
4,184
100
3.6
94.5
1.9
38,508
100
1.5
95.9
2.5
Family Income
Less than $15,000
13,767
100
4.4
93.0
2.5
Between $15,000 and $30,000
19,292
100
2.8
94.7
2.5
Between $30,000 and $50,000
23,252
100
1.5
96.0
2.5
Between $50,000 and $75,000
22,159
100
0.7
97.0
2.2
At Least $75,000
35,698
100
0.6
97.3
2.0
Homeowner
78,092
100
1.0
96.8
2.3
Non-homeowner
36,075
100
3.2
94.4
2.4
Northeast
20,698
100
1.7
96.0
2.3
Midwest
25,571
100
1.3
96.3
2.4
South
42,443
100
2.0
95.9
2.1
West
25,456
100
1.4
96.0
2.6
Metropolitan area - Principal City
30,562
100
2.2
95.3
2.5
Metropolitan area - Balance
48,419
100
1.3
96.2
2.5
Not in Metropolitan area
17,690
100
1.7
96.3
2.0
Not Identified
17,496
100
1.6
96.6
1.9
Homeownership
Geographic Region
Metropolitan Status
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
17
A-6a Banking Transitions By Household Characteristics, 2013
For all households with non-missing recent bank status and non-missing life events, row percent
Characteristics
All
Number of
Households
(1000s)
115,872
Percent of
Households
100
Longer Term
Unbanked
(Percent)
Recently
Unbanked
(Percent)
Recently
Banked
(Percent)
6.9
0.7
Longer Term
Banked
(Percent)
1.6
90.9
Household Type
Married couple
55,868
100
3.0
0.3
1.1
95.6
Unmarried female-headed family
14,710
100
16.7
1.9
2.9
78.6
5,975
100
12.0
1.2
2.8
84.1
Female individual
20,525
100
6.4
0.7
1.1
91.7
Male individual
18,675
100
9.5
0.7
1.9
87.8
119
100
17.7
-
-
82.3
Black
15,314
100
17.7
2.6
2.9
76.8
Hispanic
Unmarried male-headed family
Other
Race/Ethnicity
14,000
100
16.8
1.1
2.9
79.2
Asian
5,475
100
2.0
-
1.7
96.4
American Indian/Alaskan
1,381
100
15.0
1.8
3.5
79.7
Hawaiian/Pacific Islander
290
100
5.2
-
1.1
93.7
White non-Black non-Hispanic
79,382
100
3.3
0.3
1.0
95.5
Other non-Black non-Hispanic
NA
NA
NA
NA
NA
NA
113,388
100
6.3
0.7
1.5
91.5
2,484
100
33.1
1.2
4.6
61.1
99,770
100
6.0
0.7
1.4
91.9
Foreign born citizen
8,581
100
4.3
0.4
1.8
93.5
Foreign born non citizen
7,521
100
21.5
1.1
2.9
74.4
15 to 24 years
5,878
100
14.2
1.7
3.1
81.0
25 to 34 years
19,248
100
10.8
1.4
1.9
85.9
Spanish only language spoken
Spanish is not the only language spoken
Spanish is only language spoken
Nativity
U.S.-born
Age Group
35 to 44 years
20,160
100
8.0
0.8
1.9
89.3
45 to 54 years
23,041
100
6.7
0.6
1.7
90.9
55 to 64 years
21,386
100
5.1
0.3
1.2
93.4
65 years or more
26,158
100
3.1
0.2
0.8
95.8
Disabled
10,134
100
16.8
1.2
3.1
79.0
Not Disabled
73,702
100
6.3
0.7
1.5
91.5
Not Applicable
32,036
100
5.1
0.5
1.2
93.1
Disability Status
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
18
A-6a Banking Transitions By Household Characteristics, 2013
For all households with non-missing recent bank status and non-missing life events, row percent
Characteristics
Number of
Households
(1000s)
Percent of
Households
Longer Term
Unbanked
(Percent)
Recently
Unbanked
(Percent)
Recently
Banked
(Percent)
Longer Term
Banked
(Percent)
Education
No high school degree
12,922
100
23.6
1.4
3.4
71.6
High school degree
31,357
100
9.7
0.9
2.0
87.4
Some college
33,755
100
4.6
0.9
1.6
93.0
College degree
37,839
100
0.9
0.1
0.6
98.4
Employment Status
Employed
71,174
100
4.8
0.5
1.5
93.2
5,099
100
18.7
4.0
2.8
74.4
39,599
100
9.1
0.6
1.5
88.9
Less than $15,000
17,684
100
25.5
2.2
3.3
69.0
Between $15,000 and $30,000
20,211
100
10.0
1.2
2.6
86.3
Between $30,000 and $50,000
22,814
100
4.5
0.5
1.5
93.6
Between $50,000 and $75,000
21,203
100
1.3
0.3
0.7
97.7
At Least $75,000
33,960
100
0.5
-
0.6
98.9
Homeowner
75,314
100
2.2
0.2
0.9
96.6
Non-homeowner
40,558
100
15.6
1.6
2.7
80.1
Northeast
20,707
100
6.1
0.6
1.6
91.7
Midwest
25,580
100
5.5
0.6
1.2
92.6
South
43,756
100
8.1
0.8
1.9
89.2
West
25,829
100
6.7
0.7
1.3
91.3
Metropolitan area - Principal City
32,167
100
10.3
1.0
2.0
86.7
Metropolitan area - Balance
47,831
100
4.8
0.5
1.3
93.4
Not in Metropolitan area
18,257
100
7.5
0.6
1.6
90.3
Not Identified
17,616
100
5.7
0.6
1.5
92.2
Unemployed
Not in labor force
Family Income
Homeownership
Geographic Region
Metropolitan Status
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
19
A-6b Household Characteristics By Banking Transitions, 2013
For all households with non-missing recent bank status and non-missing life events, column percent
Characteristics
Number of Households (1000s)
Longer Term
Unbanked
All
Recently
Unbanked
Recently
Banked
Longer Term
Banked
115,872
7,973
807
1,800
105,292
100
100
100
100
100
Married couple
48.2
21.1
23.6
33.8
50.7
Unmarried female-headed family
12.7
30.8
33.9
23.8
11.0
Percent of Households
Household Type (Percent)
5.2
9.0
8.9
9.1
4.8
Female individual
Unmarried male-headed family
17.7
16.6
17.2
13.1
17.9
Male individual
16.1
22.3
16.4
20.1
15.6
0.1
0.3
-
-
0.1
Black
13.2
34.0
49.3
25.0
11.2
Hispanic
12.1
29.5
18.4
22.8
10.5
Asian
4.7
1.3
0.1
5.1
5.0
American Indian/Alaskan
1.2
2.6
3.2
2.7
1.0
Hawaiian/Pacific Islander
0.3
0.2
-
0.2
0.3
White non-Black non-Hispanic
68.5
32.4
29.0
44.2
72.0
Other non-Black non-Hispanic
-
-
-
-
-
97.9
89.7
96.3
93.7
98.6
2.1
10.3
3.7
6.3
1.4
Other
Race/Ethnicity (Percent)
Spanish only language spoken (Percent)
Spanish is not the only language spoken
Spanish is only language spoken
Nativity (Percent)
86.1
75.1
85.5
79.0
87.1
Foreign born citizen
U.S.-born
7.4
4.6
4.3
8.8
7.6
Foreign born non citizen
6.5
20.3
10.2
12.2
5.3
Age Group (Percent)
15 to 24 years
5.1
10.5
12.5
10.0
4.5
25 to 34 years
16.6
26.1
33.9
20.5
15.7
35 to 44 years
17.4
20.2
20.6
20.9
17.1
45 to 54 years
19.9
19.4
17.7
21.9
19.9
55 to 64 years
18.5
13.6
7.4
14.7
19.0
65 years or more
22.6
10.1
8.1
12.0
23.8
8.7
21.3
14.7
17.3
7.6
Not Disabled
63.6
58.1
64.8
60.7
64.1
Not Applicable
27.6
20.6
20.5
22.0
28.3
Disability Status (Percent)
Disabled
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
20
A-6b Household Characteristics By Banking Transitions, 2013
For all households with non-missing recent bank status and non-missing life events, column percent
Characteristics
Longer Term
Unbanked
All
Recently
Unbanked
Recently
Banked
Longer Term
Banked
Education (Percent)
No high school degree
11.2
38.2
22.9
24.2
8.8
High school degree
27.1
38.1
36.3
34.2
26.0
Some college
29.1
19.4
36.9
29.6
29.8
College degree
32.7
4.3
4.0
12.1
35.4
61.4
43.1
43.8
60.0
63.0
4.4
12.0
25.4
8.1
3.6
34.2
45.0
30.9
31.9
33.4
Less than $15,000
15.3
56.6
48.0
32.4
11.6
Between $15,000 and $30,000
17.4
25.2
29.9
28.9
16.6
Between $30,000 and $50,000
19.7
12.7
13.7
18.4
20.3
Between $50,000 and $75,000
18.3
3.5
8.0
8.1
19.7
At Least $75,000
29.3
2.0
0.4
12.2
31.9
Homeowner
65.0
20.8
19.2
39.6
69.1
Non-homeowner
35.0
79.2
80.8
60.4
30.9
Northeast
17.9
15.9
15.0
18.6
18.0
Midwest
22.1
17.8
19.0
17.4
22.5
Employment Status (Percent)
Employed
Unemployed
Not in labor force
Family Income (Percent)
Homeownership (Percent)
Geographic Region (Percent)
South
37.8
44.7
43.4
45.0
37.1
West
22.3
21.7
22.6
19.0
22.4
Metropolitan area - Principal City
27.8
41.5
40.9
35.4
26.5
Metropolitan area - Balance
41.3
28.9
31.6
33.8
42.4
Not in Metropolitan area
15.8
17.1
14.5
16.0
15.7
Not Identified
15.2
12.5
12.9
14.7
15.4
Metropolitan Status (Percent)
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
21
A-7 Life Events By Banking Status, 2013
For all households, column percent
Characteristics
Number of Households (1000s)
All
Unbanked
Banked:
Underbanked
Banked: Fully
Banked
Banked:
Underbanked
Status Unknown
123,750
9,582
24,757
82,892
6,519
100
100
100
100
100
Yes
13.5
24.6
21.4
10.7
3.0
No
80.8
68.1
77.2
88.4
17.7
5.7
7.3
1.3
1.0
79.2
Yes
5.5
4.2
8.2
5.2
0.6
No
88.8
88.7
90.4
93.8
20.1
5.7
7.2
1.4
1.0
79.4
Yes
9.7
19.0
15.4
7.5
2.4
No
84.8
73.9
83.3
91.6
20.7
5.5
7.1
1.3
0.9
76.9
Yes
12.3
11.3
19.0
11.2
2.4
No
82.3
81.5
79.7
87.9
20.9
5.5
7.1
1.3
0.9
76.6
Yes
2.7
1.5
2.4
3.1
0.8
No
91.9
91.5
96.4
96.1
23.0
5.4
7.0
1.2
0.9
76.2
Yes
14.9
15.7
22.1
13.6
2.8
No
79.5
77.2
76.6
85.4
18.5
5.7
7.1
1.4
1.0
78.7
Yes
2.1
3.6
3.0
1.7
0.3
No
92.3
89.2
95.6
97.2
21.0
5.7
7.2
1.3
1.0
78.7
Yes
2.2
2.2
3.2
2.0
0.5
No
92.3
90.7
95.5
97.0
22.6
5.5
7.1
1.3
1.0
76.9
Yes
1.6
1.6
2.6
1.5
0.3
No
92.9
91.4
96.0
97.6
23.0
5.5
7.0
1.3
0.9
76.7
Percent of Households
Significant loss of income (Percent)
Unknown
Significant increase in income (Percent)
Unknown
Job loss (Percent)
Unknown
New job (Percent)
Unknown
Retirement (Percent)
Unknown
Significant increase in HH expenses (Percent)
Unknown
Significant decrease in HH expenses (Percent)
Unknown
Divorce or death (Percent)
Unknown
New marriage, civil union, or domestic partnership (Percent)
Unknown
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
22
A-7 Life Events By Banking Status, 2013
For all households, column percent
Characteristics
All
Unbanked
Banked:
Underbanked
Banked: Fully
Banked
Banked:
Underbanked
Status Unknown
Birth, adoption, or other addition of a child
(Percent)
Yes
2.9
4.6
4.1
2.5
0.7
No
91.6
88.3
94.6
96.5
23.3
5.4
7.1
1.3
0.9
76.0
Yes
9.5
13.7
15.2
7.9
1.6
No
85.1
79.3
83.6
91.2
22.9
5.4
7.1
1.3
0.9
75.5
Unknown
Move or relocation (Percent)
Unknown
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
23
A-8 All Reasons Households Were Unbanked By Previous Banking Status, 2013
For all unbanked households, column percent
Characteristics
Number of Households (1000s)
Once had
bank account
All
Never had
bank account
Unknown
9,582
4,396
5,041
146
100
100
100
100
Yes
6.8
8.1
5.8
-
No
89.8
89.7
91.9
21.2
3.4
2.2
2.2
78.8
Yes
30.8
37.6
25.4
12.0
No
65.6
60.1
71.9
15.4
3.6
2.3
2.7
72.6
Yes
10.5
11.7
9.5
8.2
No
85.4
85.6
87.0
20.9
4.2
2.7
3.5
71.0
Yes
34.2
36.3
33.1
11.9
No
61.5
60.9
63.2
18.5
4.3
2.8
3.7
69.6
Yes
57.5
60.5
55.9
21.3
No
38.2
36.6
40.5
3.6
4.3
2.9
3.6
75.1
Yes
26.4
28.9
24.7
10.0
No
68.7
67.8
71.1
10.2
4.9
3.3
4.2
79.9
Yes
16.8
16.3
17.3
13.6
No
78.2
80.2
78.3
11.0
5.1
3.5
4.4
75.4
Yes
12.5
16.0
9.7
3.0
No
82.8
80.6
86.4
26.2
4.7
3.3
3.9
70.9
Percent of Households
Inconvenient hours or locations (Percent)
Unknown
Account fees are too high or unpredictable
(Percent)
Unknown
Banks do not offer needed products or services
(Percent)
Unknown
Don’t like dealing with and/or don’t trust banks
(Percent)
Unknown
Do not have enough money (Percent)
Unknown
Privacy (Percent)
Unknown
ID, credit, or banking history problems (Percent)
Unknown
Other (Percent)
Unknown
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
24
A-9 Main Reason Households Were Unbanked By Previous Banking Status, 2013
For all unbanked households, column percent
Characteristics
Number of Households (1000s)
Percent of Households
Once had bank
account
All
Never had bank
account
Unknown
9,582
4,396
5,041
146
100
100
100
100
2.6
3.1
2.3
-
13.4
17.7
9.8
6.7
Main Reason Unbanked (Percent)
Inconvenient hours or locations
Account fees are too high or unpredictable
Banks do not offer needed products or services
1.2
1.0
1.5
-
Don’t like dealing with or don’t trust banks
14.9
13.9
16.1
5.6
Do not have enough money
35.6
36.3
35.7
11.5
Privacy
3.7
3.9
3.6
-
ID, credit, or banking history problems
6.8
6.8
7.0
3.5
Other
7.4
9.5
5.8
-
14.3
7.8
18.2
72.7
Unknown
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
25
A-10 Likelihood Of Opening An Account By Previous Banking Status and Household Characteristics, 2013
For all unbanked households, row percent
Characteristics
All
Number of
Households
(1000s)
Percent of
Households
Very likely
(Percent)
Somewhat
likely
(Percent)
9,582
100
13.8
21.9
Not too
likely
(Percent)
Not likely
at all
(Percent)
Unknown
(Percent)
20.9
37.6
5.9
Previously Banked
Once had bank account
4,396
100
20.5
28.1
18.0
29.0
4.4
Never had bank account
5,041
100
8.3
16.9
23.7
45.9
5.2
146
100
-
9.0
6.8
12.5
71.8
Unknown
Previously Banked (within last year)
Had bank account within last year
852
100
37.4
37.4
7.5
14.0
3.6
Had bank account more than 1 yr ago
3,493
100
16.5
26.2
20.8
33.0
3.5
Never had bank account
5,041
100
8.3
16.9
23.7
45.9
5.2
NA
NA
NA
NA
NA
NA
NA
146
100
-
9.0
6.8
12.5
71.8
Married couple
2,035
100
11.2
22.4
26.0
35.7
4.7
Unmarried female-headed family
2,902
100
17.8
27.8
21.1
28.1
5.3
Previously banked, recency unknown
Unknown
Household Type
Unmarried male-headed family
835
100
14.0
27.0
22.2
34.2
2.5
Female individual
1,634
100
10.0
16.9
18.7
48.1
6.3
Male individual
2,157
100
13.5
15.3
17.0
45.5
8.7
NA
NA
NA
NA
NA
NA
NA
Black
3,449
100
17.1
24.4
18.0
33.4
7.1
Hispanic
2,680
100
12.3
19.1
25.5
38.0
5.1
Asian
127
100
20.8
7.5
10.5
49.3
11.9
American Indian/Alaskan
248
100
11.2
23.9
19.6
43.6
1.7
Hawaiian/Pacific Islander
NA
NA
NA
NA
NA
NA
NA
White non-Black non-Hispanic
3,058
100
11.2
22.1
20.3
41.2
5.2
Other non-Black non-Hispanic
NA
NA
NA
NA
NA
NA
NA
8,656
100
14.4
22.9
19.9
36.9
5.9
926
100
7.6
13.0
29.7
44.5
5.2
7,303
100
15.0
22.9
19.5
37.0
5.6
438
100
8.5
9.0
29.3
44.1
9.0
1,842
100
10.0
21.0
24.1
38.6
6.3
Other
Race/Ethnicity
Spanish only language spoken
Spanish is not the only language spoken
Spanish is only language spoken
Nativity
U.S.-born
Foreign born citizen
Foreign born non citizen
Age Group
15 to 24 years
982
100
22.7
28.1
18.8
28.0
2.4
25 to 34 years
2,555
100
14.8
28.3
22.6
29.4
4.9
35 to 44 years
1,931
100
15.0
25.1
19.9
33.6
6.4
45 to 54 years
1,851
100
12.2
19.5
21.4
39.7
7.3
55 to 64 years
1,272
100
11.0
12.9
21.9
48.5
5.7
991
100
6.5
9.0
18.0
58.4
8.2
65 years or more
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
26
A-10 Likelihood Of Opening An Account By Previous Banking Status and Household Characteristics, 2013
For all unbanked households, row percent
Number of
Households
(1000s)
Percent of
Households
Very likely
(Percent)
Somewhat
likely
(Percent)
No high school degree
3,478
100
9.8
18.6
High school degree
3,648
100
16.4
Some college
1,999
100
15.3
457
100
Characteristics
Not too
likely
(Percent)
Not likely
at all
(Percent)
Unknown
(Percent)
21.9
44.2
5.5
23.2
20.9
33.6
5.8
26.1
19.4
33.9
5.4
16.9
17.9
18.4
35.5
11.3
Education
College degree
Employment Status
Employed
4,111
100
14.0
24.7
22.1
34.0
5.2
Unemployed
1,253
100
22.8
32.2
19.0
21.3
4.7
Not in labor force
4,219
100
10.9
16.1
20.1
46.0
6.8
Family Income
Less than $15,000
5,277
100
13.8
21.7
20.1
39.3
5.1
Between $15,000 and $30,000
2,471
100
12.7
24.3
22.4
34.4
6.2
Between $30,000 and $50,000
1,244
100
14.4
21.2
21.4
36.4
6.6
Between $50,000 and $75,000
393
100
18.3
16.8
21.4
33.9
9.5
At Least $75,000
197
100
12.9
11.6
16.3
48.3
11.0
Homeowner
2,044
100
12.4
16.6
22.6
39.1
9.3
Non-homeowner
7,538
100
14.1
23.3
20.4
37.2
4.9
Northeast
1,501
100
16.9
22.8
20.9
35.3
4.2
Midwest
1,744
100
12.8
21.5
20.4
36.8
8.4
South
4,295
100
13.7
22.5
21.0
36.9
6.0
West
2,043
100
12.5
20.3
21.0
41.6
4.6
Disabled
1,990
100
8.4
15.6
21.8
48.6
5.5
Not Disabled
5,620
100
15.4
25.3
21.4
31.8
6.2
Not Applicable
1,973
100
14.5
18.5
18.4
43.3
5.3
Homeownership
Geographic Region
Disability Status
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
27
A-11 Main Reason For Opening An Account By Household Characteristics, 2013
For all households that opened an account in the last 12 months, row percent
Characteristics
All
To pay
for
everyday
purchases,
To be
To put
write
able to
To
money in
checks,
apply for To save
receive
Number of
a safe
or/and
a loan or money for
direct
Households Percent of
place
pay bills mortgage the future deposit
(1000s) Households (Percent) (Percent) (Percent) (Percent) (Percent)
To send
money to
family or
friends
(Percent)
Other
(Specify)
(Percent)
Unknown
(Percent)
1,891
100
19.1
25.0
0.5
7.1
34.2
0.5
10.6
3.1
Married couple
638
100
22.5
30.5
0.8
7.5
27.8
0.8
8.1
2.0
Unmarried femaleheaded family
461
100
16.4
17.4
-
8.9
35.3
-
15.7
6.4
Unmarried maleheaded family
173
100
14.7
32.7
-
6.1
31.9
2.5
11.4
0.8
Female individual
247
100
16.6
18.1
-
8.3
44.0
-
10.8
2.2
Male individual
373
100
20.1
25.9
1.0
4.0
38.6
-
8.0
2.5
Black
469
100
18.7
20.3
-
7.8
42.2
-
7.5
3.5
Hispanic
431
100
17.5
32.7
0.1
7.1
33.3
1.0
7.0
1.3
Asian
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
American Indian/
Alaskan
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
Hawaiian/Pacific
Islander
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
White non-Black
non-Hispanic
841
100
18.7
23.0
1.0
7.4
32.3
0.6
14.0
3.0
1,767
100
18.7
24.8
0.5
6.9
34.4
0.5
10.8
3.3
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
1,486
100
18.1
22.5
0.6
6.8
37.7
0.4
10.7
3.3
Foreign born citizen
164
100
23.6
37.8
-
2.2
18.8
-
12.0
5.5
Foreign born non
citizen
241
100
21.9
31.7
-
12.7
23.5
1.8
8.4
-
15 to 24 years
189
100
25.1
24.7
2.8
11.7
23.5
2.4
7.4
2.5
25 to 34 years
393
100
20.4
26.1
0.2
5.1
34.7
0.2
10.3
3.0
35 to 44 years
389
100
21.6
22.2
-
8.3
30.2
-
14.8
2.9
45 to 54 years
420
100
13.5
30.4
0.5
7.9
33.1
1.0
10.3
3.2
55 to 64 years
274
100
12.7
23.5
0.4
8.2
44.5
-
9.1
1.6
65 years or more
226
100
25.4
19.5
-
1.9
38.9
-
8.7
5.5
319
100
12.9
19.6
0.3
6.3
48.8
-
9.4
2.7
1,157
100
18.5
27.6
0.2
7.6
31.1
0.4
11.8
2.8
415
100
25.3
21.9
1.3
6.4
31.9
1.1
8.1
4.1
Household Type
Race/Ethnicity
Spanish only
language spoken
Spanish is not the
only language
spoken
Spanish is only
language spoken
Nativity
U.S.-born
Age Group
Disability Status
Disabled
Not Disabled
Not Applicable
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
28
A-11 Main Reason For Opening An Account By Household Characteristics, 2013
For all households that opened an account in the last 12 months, row percent
Characteristics
To pay
for
everyday
purchases,
To be
To put
write
able to
To
money in
checks,
apply for To save
receive
Number of
a safe
or/and
a loan or money for
direct
Households Percent of
place
pay bills mortgage the future deposit
(1000s) Households (Percent) (Percent) (Percent) (Percent) (Percent)
To send
money to
family or
friends
(Percent)
Other
(Specify)
(Percent)
Unknown
(Percent)
Education
No high school
degree
456
100
14.5
25.2
-
7.0
42.5
0.9
9.6
0.3
High school degree
641
100
19.7
26.0
0.4
6.5
33.3
0.7
10.6
2.7
Some college
559
100
14.8
22.2
0.2
7.4
37.4
0.1
12.1
5.6
College degree
236
100
36.1
28.3
2.2
8.2
13.4
-
8.5
3.3
1,151
100
20.3
27.4
0.8
8.1
29.2
0.4
11.5
2.3
Unemployed
151
100
20.0
38.3
-
6.1
21.7
-
11.1
2.8
Not in labor force
589
100
16.4
16.7
-
5.5
47.4
0.8
8.6
4.6
Less than $15,000
611
100
12.6
23.0
0.2
8.9
39.4
-
14.3
1.7
Between $15,000 and
$30,000
539
100
20.8
24.4
1.0
5.0
37.1
1.8
7.1
2.9
Between $30,000 and
$50,000
351
100
22.2
29.5
0.6
5.7
33.1
-
4.8
4.2
Between $50,000 and
$75,000
163
100
15.9
32.0
0.4
5.4
32.1
-
8.5
5.8
At Least $75,000
227
100
29.8
19.7
-
10.8
16.9
-
19.2
3.6
Employment Status
Employed
Family Income
Homeownership
Homeowner
748
100
19.4
21.9
1.1
8.9
33.7
-
9.8
5.3
1,143
100
18.9
27.0
0.1
6.0
34.6
0.8
11.1
1.6
Northeast
356
100
27.2
32.2
1.5
1.6
23.0
1.3
10.2
3.2
Midwest
341
100
12.6
18.4
0.6
8.1
44.0
-
14.4
1.9
South
832
100
21.2
23.4
0.1
8.3
39.1
-
6.0
2.0
West
362
100
12.2
27.8
0.3
8.9
24.9
1.4
17.8
6.7
Metropolitan area
- Principal City
667
100
18.7
24.0
0.1
7.3
38.3
0.6
7.9
3.1
Metropolitan area
- Balance
646
100
22.3
25.4
0.8
6.1
30.1
-
11.9
3.4
Not in Metropolitan
area
303
100
12.2
28.5
0.3
8.2
33.5
1.5
12.9
2.9
Not Identified
276
100
19.7
22.6
0.8
7.8
34.9
0.3
11.4
2.6
Non-homeowner
Geographic Region
Metropolitan Status
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
29
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
30
Appendix B – Checking and Savings Account
Ownership, and Automatic Transfers:
National Tables
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
31
B-1 Bank Account Type By Banking Status and Household Characteristics, 2013
For all households, row percent
Characteristics
All
Number of
Households Percent of Unbanked
(1000s) Households (Percent)
Checking
and
Savings
(Percent)
Savings
Only
(Percent)
Checking
Only
(Percent)
Banked,
Account
Type
Unknown
(Percent)
Has
Savings
Account
(Percent)
Does Not
Have
Savings
Account
(Percent)
Unknown
(Percent)
123,750
100
7.7
66.8
2.0
21.7
1.8
68.8
29.5
1.7
9,582
100
100.0
-
-
-
-
-
100.0
-
Banked:
Underbanked
24,757
100
-
62.6
4.8
31.6
0.9
67.5
31.7
0.8
Banked: Fully
Banked
82,892
100
-
76.7
1.5
21.2
0.6
78.2
21.2
0.6
6,519
100
-
53.8
1.2
21.9
23.1
55.0
22.0
23.0
Married couple
59,102
100
3.4
77.3
1.4
16.4
1.5
78.6
19.9
1.5
Unmarried femaleheaded family
15,802
100
18.4
50.1
3.2
26.2
2.0
53.5
44.6
1.9
Unmarried maleheaded family
6,327
100
13.2
55.2
2.0
27.3
2.4
57.2
40.4
2.4
Female individual
22,150
100
7.4
61.8
2.2
26.6
2.0
64.0
34.0
2.0
Male individual
20,240
100
10.7
58.2
2.9
26.4
1.9
61.1
37.0
1.9
128
100
16.3
48.6
5.9
14.8
14.3
54.5
37.2
8.2
Black
16,801
100
20.5
47.7
4.3
25.1
2.3
52.1
45.7
2.2
Hispanic
14,948
100
17.9
50.7
2.5
27.0
1.9
53.2
45.1
1.8
Asian
5,882
100
2.2
76.4
1.4
18.2
1.9
77.8
20.4
1.8
American Indian/
Alaskan
1,464
100
16.9
50.3
3.6
27.2
1.9
53.9
44.3
1.8
Hawaiian/Pacific
Islander
314
100
6.1
58.8
5.2
27.9
1.9
64.0
34.1
1.9
White non-Black
non-Hispanic
84,310
100
3.6
73.0
1.5
20.1
1.7
74.5
23.8
1.6
Other non-Black
non-Hispanic
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
121,097
100
7.1
67.6
2.0
21.5
1.8
69.6
28.7
1.7
2,654
100
34.9
29.0
4.4
30.0
1.7
33.4
64.9
1.7
Unbanked and
Underbanked
Unbanked
Banked: Underbanked Status
Unknown
Household Type
Other
Race/Ethnicity
Spanish only
language spoken
Spanish is not the
only language
spoken
Spanish is only
language spoken
Nativity
U.S.-born
106,397
100
6.9
68.4
2.0
21.0
1.8
70.4
27.9
1.7
Foreign born
citizen
9,252
100
4.7
65.8
2.2
25.1
2.2
68.0
29.9
2.2
Foreign born non
citizen
8,102
100
22.7
46.8
2.5
26.5
1.5
49.2
49.4
1.4
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
32
B-1 Bank Account Type By Banking Status and Household Characteristics, 2013
For all households, row percent
Characteristics
Number of
Households Percent of Unbanked
(1000s) Households (Percent)
Checking
and
Savings
(Percent)
Savings
Only
(Percent)
Checking
Only
(Percent)
Banked,
Account
Type
Unknown
(Percent)
Has
Savings
Account
(Percent)
Does Not
Have
Savings
Account
(Percent)
Unknown
(Percent)
Age Group
15 to 24 years
6,244
100
15.7
57.3
1.7
22.9
2.3
59.0
39.0
1.9
25 to 34 years
20,464
100
12.5
65.3
1.6
19.3
1.3
67.0
31.8
1.2
35 to 44 years
21,408
100
9.0
67.2
2.0
20.3
1.5
69.2
29.3
1.5
45 to 54 years
24,551
100
7.5
68.5
2.1
20.0
1.9
70.6
27.6
1.8
55 to 64 years
22,710
100
5.6
67.8
2.3
22.5
1.8
70.2
28.2
1.7
65 years or more
28,372
100
3.5
67.2
2.1
24.9
2.3
69.3
28.4
2.3
Disabled
10,841
100
18.4
41.8
4.9
33.2
1.8
46.7
51.5
1.8
Not Disabled
78,293
100
7.2
70.8
1.6
18.8
1.6
72.5
26.0
1.5
Not Applicable
34,616
100
5.7
65.4
2.0
24.5
2.3
67.5
30.3
2.2
No high school
degree
13,871
100
25.1
34.9
4.8
33.3
2.0
39.7
58.4
1.9
High school
degree
33,684
100
10.8
57.0
2.5
27.5
2.1
59.5
38.4
2.0
Some college
36,007
100
5.6
69.5
1.7
21.6
1.6
71.3
27.2
1.5
College degree
40,188
100
1.1
83.4
0.9
12.8
1.7
84.4
13.9
1.7
75,587
100
5.4
72.5
1.7
18.8
1.6
74.2
24.3
1.5
Disability Status
Education
Employment Status
Employed
Unemployed
5,436
100
23.0
48.6
2.0
24.1
2.3
50.7
47.3
2.0
42,727
100
9.9
59.0
2.6
26.4
2.2
61.6
36.3
2.1
Less than $15,000
19,044
100
27.7
31.5
4.7
34.1
2.0
36.3
61.8
2.0
Between $15,000
and $30,000
21,763
100
11.4
51.0
2.9
32.8
1.9
53.9
44.2
1.8
Between $30,000
and $50,000
24,496
100
5.1
66.6
2.0
24.5
1.9
68.6
29.6
1.8
Between $50,000
and $75,000
22,552
100
1.7
78.3
1.1
17.0
1.8
79.4
18.8
1.7
At Least $75,000
35,895
100
0.5
87.9
0.7
9.3
1.6
88.6
9.9
1.5
Homeowner
80,136
100
2.6
76.0
1.5
18.2
1.8
77.5
20.8
1.7
Non-homeowner
43,614
100
17.3
49.8
3.1
28.0
1.9
52.9
45.3
1.8
Northeast
22,199
100
6.8
69.4
2.1
20.0
1.7
71.6
26.7
1.7
Midwest
27,315
100
6.4
69.1
2.5
19.9
2.1
71.6
26.4
2.0
South
46,738
100
9.2
61.0
2.1
26.0
1.7
63.2
35.2
1.6
West
27,498
100
7.4
72.0
1.4
17.4
1.8
73.4
24.9
1.7
Not in labor force
Family Income
Homeownership
Geographic Region
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
33
B-1 Bank Account Type By Banking Status and Household Characteristics, 2013
For all households, row percent
Characteristics
Number of
Households Percent of Unbanked
(1000s) Households (Percent)
Checking
and
Savings
(Percent)
Savings
Only
(Percent)
Checking
Only
(Percent)
Banked,
Account
Type
Unknown
(Percent)
Has
Savings
Account
(Percent)
Does Not
Have
Savings
Account
(Percent)
Unknown
(Percent)
Metropolitan
Status
Metropolitan area
- Principal City
34,510
100
11.4
64.4
2.3
19.9
2.0
66.8
31.4
1.9
Metropolitan area
- Balance
51,229
100
5.5
71.5
1.4
19.7
1.9
73.0
25.2
1.8
Not in Metropolitan area
19,325
100
8.5
57.6
2.7
29.4
1.9
60.3
37.8
1.8
Not Identified
18,686
100
6.4
67.5
2.4
22.5
1.2
69.9
28.9
1.2
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
B-2 Banking Status By Bank Account Type, 2013
For all banked households, row percent
Characteristics
All
Number of
Households
(1000s)
Percent of
Households
Banked:
Underbanked
(Percent)
Banked: Fully
Banked (Percent)
Banked:
Underbanked
Status Unknown
(Percent)
114,168
100
21.7
72.6
5.7
82,609
100
18.8
77.0
4.2
2,507
100
47.6
49.2
3.2
26,810
100
29.2
65.5
5.3
2,241
100
10.3
22.6
67.1
Has Savings Account
85,152
100
19.6
76.2
4.2
Does Not Have Savings Account
26,865
100
29.2
65.4
5.3
2,151
100
8.7
21.7
69.6
Bank Account Type
Checking and Savings
Savings Only
Checking Only
Banked, Account Type Unknown
Savings Account Ownership
Unknown
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
34
B-3a Use of Direct Deposit or Automatic Transfers By Household Characteristics, 2013
For all banked households, row percent
Characteristics
All
Direct
Deposit or
Auto
Transfer
into
Checking
Number of
and
Households Percent of
Savings
(1000s) Households (Percent)
Direct
Deposit or
Auto
Transfer
into
Checking
Only
(Percent)
Direct
Deposit or
Auto
Transfer
into
Savings
Only
(Percent)
Direct
Deposit or
Auto
Transfer
into Direct
Deposit
Account
Type
Unknown
(Percent)
Direct
Deposit or
Auto
Transfer
into No
Direct
Deposit
(banked)
(Percent)
Direct
Deposit or
Auto
Transfer
Unknown
(Percent)
114,168
100
10.6
65.4
3.3
1.1
16.7
3.0
Married couple
57,067
100
12.7
66.2
2.8
1.0
14.6
2.8
Unmarried female-headed family
12,900
100
7.6
63.7
4.0
1.0
21.0
2.7
5,493
100
5.9
61.6
3.1
0.9
25.5
3.1
Female individual
20,516
100
9.4
68.5
3.8
1.1
13.7
3.5
Male individual
18,084
100
8.8
61.7
4.0
1.1
21.2
3.2
107
100
15.6
63.1
-
5.4
6.9
9.1
Black
13,352
100
10.0
62.9
4.8
0.7
16.9
4.6
Hispanic
12,268
100
5.5
58.8
3.0
0.9
29.1
2.7
Asian
5,755
100
8.1
60.2
2.9
1.4
23.8
3.6
American Indian/Alaskan
1,216
100
10.8
62.3
4.5
0.7
18.4
3.3
Household Type
Unmarried male-headed family
Other
Race/Ethnicity
Hawaiian/Pacific Islander
295
100
6.2
52.5
6.7
2.2
28.0
4.3
White non-Black non-Hispanic
81,252
100
11.6
67.2
3.1
1.1
14.2
2.7
Other non-Black non-Hispanic
NA
NA
NA
NA
NA
NA
NA
NA
Spanish is not the only language
spoken
112,441
100
10.7
65.6
3.3
1.1
16.3
3.0
Spanish is only language spoken
1,727
100
2.5
50.8
2.7
0.2
41.7
2.1
Spanish only language spoken
Nativity
U.S.-born
99,094
100
11.2
66.6
3.4
1.1
14.7
2.9
Foreign born citizen
8,814
100
7.0
61.2
3.4
1.3
23.5
3.6
Foreign born non citizen
6,260
100
4.8
51.7
1.9
0.3
38.6
2.7
15 to 24 years
5,262
100
6.8
59.1
2.4
0.6
28.2
2.9
25 to 34 years
17,909
100
10.9
62.5
2.3
1.0
21.2
2.1
35 to 44 years
19,477
100
11.3
63.1
2.5
1.0
19.5
2.6
45 to 54 years
22,700
100
11.7
62.2
3.0
1.1
18.6
3.4
55 to 64 years
21,438
100
10.5
65.3
4.0
1.0
16.7
2.5
65 years or more
27,381
100
9.7
72.8
4.4
1.2
7.9
3.9
8,852
100
6.0
70.6
5.8
0.5
14.5
2.5
Not Disabled
72,673
100
11.7
62.4
2.7
1.1
19.4
2.7
Not Applicable
32,643
100
9.2
70.6
4.1
1.1
11.2
3.7
Age Group
Disability Status
Disabled
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
35
B-3a Use of Direct Deposit or Automatic Transfers By Household Characteristics, 2013
For all banked households, row percent
Characteristics
Direct
Deposit or
Auto
Transfer
into
Checking
Number of
and
Households Percent of
Savings
(1000s) Households (Percent)
Direct
Deposit or
Auto
Transfer
into
Checking
Only
(Percent)
Direct
Deposit or
Auto
Transfer
into
Savings
Only
(Percent)
Direct
Deposit or
Auto
Transfer
into Direct
Deposit
Account
Type
Unknown
(Percent)
Direct
Deposit or
Auto
Transfer
into No
Direct
Deposit
(banked)
(Percent)
Direct
Deposit or
Auto
Transfer
Unknown
(Percent)
Education
No high school degree
10,393
100
4.1
60.3
5.7
0.5
26.2
3.1
High school degree
30,036
100
8.0
64.1
3.7
0.9
19.9
3.4
Some college
34,008
100
10.3
65.8
3.0
1.0
17.0
2.9
College degree
39,731
100
14.4
67.2
2.7
1.3
11.6
2.7
71,476
100
12.0
63.7
2.7
1.0
17.9
2.7
4,184
100
5.4
54.7
2.5
1.5
32.9
3.0
38,508
100
8.4
69.6
4.6
1.1
12.8
3.5
Less than $15,000
13,767
100
3.5
61.1
5.7
1.0
25.6
3.2
Between $15,000 and $30,000
19,292
100
5.4
63.7
3.6
1.0
22.9
3.5
Between $30,000 and $50,000
23,252
100
8.7
64.5
3.3
0.9
19.7
2.8
Between $50,000 and $75,000
22,159
100
11.4
67.9
2.8
0.9
14.0
3.0
At Least $75,000
35,698
100
16.8
66.9
2.6
1.3
9.7
2.7
Homeowner
78,092
100
12.1
67.0
3.2
1.2
13.5
2.9
Non-homeowner
36,075
100
7.1
61.7
3.6
0.8
23.6
3.1
Northeast
20,698
100
10.0
64.2
4.5
1.0
17.3
3.0
Midwest
25,571
100
12.0
65.4
3.9
1.3
14.1
3.3
South
42,443
100
10.2
66.9
2.6
0.8
16.8
2.6
West
25,456
100
10.1
63.7
3.0
1.2
18.7
3.1
Metropolitan area - Principal City
30,562
100
10.2
62.1
3.7
0.9
19.7
3.4
Metropolitan area - Balance
48,419
100
11.2
67.1
2.9
1.1
14.6
3.0
Not in Metropolitan area
17,690
100
8.9
65.8
3.5
1.2
17.7
2.8
Not Identified
17,496
100
10.9
65.9
3.5
1.0
16.2
2.4
Employment Status
Employed
Unemployed
Not in labor force
Family Income
Homeownership
Geographic Region
Metropolitan Status
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
36
B-3b Use of Direct Deposit or Automatic Transfers By Household Characteristics, 2013
For all banked households that used direct deposit or auto transfer, row percent
Characteristics
All
Number of
Households
(1000s)
Percent of
Households
Direct Deposit
or Auto
Transfer into
Checking and
Savings
(Percent)
Direct Deposit
or Auto
Transfer into
Checking Only
(Percent)
Direct Deposit
or Auto
Transfer into
Savings Only
(Percent)
Direct Deposit
or Auto
Transfer into
Direct Deposit
Account Type
Unknown
(Percent)
91,697
100
13.2
81.4
4.1
1.3
Household Type
Married couple
47,184
100
15.3
80.0
3.4
1.3
Unmarried female-headed family
9,841
100
9.9
83.5
5.3
1.4
Unmarried male-headed family
3,924
100
8.3
86.2
4.3
1.2
Female individual
16,990
100
11.4
82.7
4.5
1.4
Male individual
13,667
100
11.6
81.6
5.3
1.4
90
100
18.5
75.0
-
6.5
10,481
100
12.8
80.2
6.2
0.9
Hispanic
8,375
100
8.1
86.2
4.3
1.4
Asian
4,179
100
11.1
83.0
3.9
2.0
American Indian/Alaskan
952
100
13.9
79.5
5.7
0.9
Hawaiian/Pacific Islander
200
100
9.2
77.7
9.9
3.3
White non-Black non-Hispanic
67,481
100
14.0
80.9
3.8
1.3
Other non-Black non-Hispanic
NA
NA
NA
NA
NA
NA
Spanish is not the only language
spoken
90,727
100
13.2
81.3
4.1
1.3
Spanish is only language spoken
970
100
4.4
90.4
4.7
0.4
81,600
100
13.7
80.9
4.1
1.3
Foreign born citizen
6,421
100
9.6
84.0
4.7
1.8
Foreign born non citizen
3,676
100
8.2
88.1
3.2
0.5
15 to 24 years
3,623
100
9.9
85.8
3.5
0.9
25 to 34 years
13,732
100
14.2
81.5
3.0
1.3
35 to 44 years
15,169
100
14.5
81.0
3.3
1.2
45 to 54 years
17,706
100
15.0
79.7
3.9
1.4
55 to 64 years
17,320
100
12.9
80.8
5.0
1.3
65 years or more
24,147
100
11.0
82.6
5.0
1.4
7,340
100
7.3
85.1
7.0
0.6
Not Disabled
56,587
100
15.0
80.1
3.4
1.4
Not Applicable
27,770
100
10.9
83.0
4.8
1.3
Other
Race/Ethnicity
Black
Spanish only language spoken
Nativity
U.S.-born
Age Group
Disability Status
Disabled
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
37
B-3b Use of Direct Deposit or Automatic Transfers By Household Characteristics, 2013
For all banked households that used direct deposit or auto transfer, row percent
Characteristics
Number of
Households
(1000s)
Percent of
Households
Direct Deposit
or Auto
Transfer into
Checking and
Savings
(Percent)
Direct Deposit
or Auto
Transfer into
Checking Only
(Percent)
Direct Deposit
or Auto
Transfer into
Savings Only
(Percent)
Direct Deposit
or Auto
Transfer into
Direct Deposit
Account Type
Unknown
(Percent)
Education
No high school degree
7,347
100
5.8
85.3
8.1
0.7
High school degree
23,061
100
10.5
83.5
4.8
1.2
Some college
27,259
100
12.9
82.1
3.7
1.3
College degree
34,030
100
16.8
78.5
3.2
1.5
56,773
100
15.1
80.2
3.4
1.3
2,682
100
8.4
85.3
4.0
2.3
32,242
100
10.1
83.1
5.5
1.3
Employment Status
Employed
Unemployed
Not in labor force
Family Income
Less than $15,000
9,799
100
4.9
85.8
8.0
1.3
Between $15,000 and $30,000
14,212
100
7.3
86.5
4.9
1.3
Between $30,000 and $50,000
18,024
100
11.3
83.3
4.3
1.2
Between $50,000 and $75,000
18,406
100
13.7
81.8
3.4
1.1
At Least $75,000
31,256
100
19.2
76.4
2.9
1.5
Homeowner
65,261
100
14.5
80.2
3.8
1.4
Non-homeowner
26,435
100
9.7
84.2
4.9
1.2
Northeast
16,484
100
12.6
80.6
5.7
1.2
Midwest
21,115
100
14.5
79.1
4.7
1.6
South
34,208
100
12.7
83.0
3.2
1.1
West
19,889
100
13.0
81.6
3.9
1.6
Metropolitan area - Principal City
23,519
100
13.3
80.7
4.9
1.2
Metropolitan area - Balance
39,873
100
13.7
81.5
3.5
1.4
Not in Metropolitan area
14,063
100
11.2
82.8
4.4
1.6
Not Identified
14,242
100
13.4
81.0
4.4
1.3
Homeownership
Geographic Region
Metropolitan Status
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
38
Appendix C – Prepaid Debit Cards: National
Tables
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
39
C-1 Prepaid Debit Card Use And Recency Of Use By Banking Status And Household Characteristics, 2013
For all households , row percent
Characteristics
All
Number of
Households
(1000s)
Percent of
Households
Used: in last 30
days (Percent)
Used: Not in
last 30 days but
in last 12
months
(Percent)
Used: Not in
last 12 months
(Percent)
Never Used
(Percent)
Use Unknown
(Percent)
123,750
100
3.9
4.0
4.1
82.3
5.7
9,582
100
16.8
5.5
4.9
65.4
7.5
Banked: Underbanked
24,757
100
6.6
6.6
6.5
79.1
1.2
Banked: Fully Banked
82,892
100
1.9
3.3
3.6
90.6
0.6
6,519
100
0.3
0.4
0.7
13.8
84.8
Married couple
59,102
100
3.2
3.9
3.7
84.2
5.0
Unmarried female-headed family
15,802
100
7.4
5.7
5.3
75.5
6.1
Unbanked and Underbanked
Unbanked
Banked: Underbanked Status Unknown
Household Type
Unmarried male-headed family
6,327
100
5.4
4.9
4.2
80.7
4.8
Female individual
22,150
100
3.2
3.1
3.9
83.3
6.4
Male individual
20,240
100
3.6
3.6
4.6
81.4
6.7
128
100
3.6
3.6
2.2
83.0
7.6
Black
16,801
100
7.0
4.5
5.5
75.0
8.0
Hispanic
14,948
100
4.6
3.2
2.8
83.3
6.2
Asian
5,882
100
2.4
2.1
2.9
85.6
7.0
American Indian/Alaskan
1,464
100
8.4
6.3
4.0
76.8
4.5
Hawaiian/Pacific Islander
314
100
6.0
3.7
5.1
79.9
5.2
White non-Black non-Hispanic
84,310
100
3.2
4.1
4.1
83.5
5.0
Other non-Black non-Hispanic
NA
NA
NA
NA
NA
NA
NA
121,097
100
3.9
4.0
4.2
82.2
5.7
2,654
100
4.9
1.9
1.8
85.3
6.1
Other
Race/Ethnicity
Spanish only language spoken
Spanish is not the only language spoken
Spanish is only language spoken
Nativity
U.S.-born
106,397
100
4.1
4.2
4.4
81.8
5.5
Foreign born citizen
9,252
100
2.3
1.8
2.4
86.6
7.0
Foreign born non citizen
8,102
100
3.5
3.2
2.7
83.4
7.1
15 to 24 years
6,244
100
5.7
7.0
6.1
76.4
4.9
25 to 34 years
20,464
100
5.6
5.3
5.8
77.7
5.5
35 to 44 years
21,408
100
4.8
5.5
4.8
79.4
5.5
45 to 54 years
24,551
100
4.8
4.4
4.4
80.8
5.6
55 to 64 years
22,710
100
3.2
3.2
3.3
85.4
4.9
65 years or more
28,372
100
1.5
1.5
2.3
87.9
6.8
Disabled
10,841
100
7.5
4.9
4.6
77.2
5.8
Not Disabled
78,293
100
4.2
4.5
4.5
81.5
5.3
Not Applicable
34,616
100
2.2
2.5
3.0
85.8
6.5
Age Group
Disability Status
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
40
C-1 Prepaid Debit Card Use And Recency Of Use By Banking Status And Household Characteristics, 2013
For all households , row percent
Characteristics
Number of
Households
(1000s)
Percent of
Households
Used: in last 30
days (Percent)
Used: Not in
last 30 days but
in last 12
months
(Percent)
Used: Not in
last 12 months
(Percent)
Never Used
(Percent)
Use Unknown
(Percent)
Education
No high school degree
13,871
100
5.4
3.5
2.7
82.3
6.1
High school degree
33,684
100
4.3
3.8
4.1
81.7
6.1
Some college
36,007
100
4.5
4.3
4.6
81.2
5.4
College degree
40,188
100
2.6
4.1
4.1
83.8
5.4
75,587
100
3.8
4.5
4.7
81.7
5.2
Employment Status
Employed
Unemployed
5,436
100
8.3
6.6
5.9
74.1
5.1
42,727
100
3.5
2.7
2.9
84.4
6.6
Less than $15,000
19,044
100
7.0
4.4
4.6
77.6
6.5
Between $15,000 and $30,000
21,763
100
4.6
3.7
3.7
81.7
6.3
Between $30,000 and $50,000
24,496
100
4.4
3.9
4.2
81.4
6.1
Between $50,000 and $75,000
22,552
100
2.7
3.8
4.6
83.7
5.2
At Least $75,000
35,895
100
2.4
4.2
3.7
84.9
4.9
Homeowner
80,136
100
2.5
3.4
3.5
85.2
5.3
Non-homeowner
43,614
100
6.6
5.0
5.2
76.9
6.3
Northeast
22,199
100
2.9
3.7
3.7
83.7
6.0
Midwest
27,315
100
4.2
4.7
4.5
81.3
5.3
South
46,738
100
4.5
3.9
4.2
81.5
5.8
West
27,498
100
3.4
3.6
3.8
83.5
5.6
Metropolitan area - Principal City
34,510
100
4.4
3.8
4.3
81.3
6.1
Metropolitan area - Balance
51,229
100
3.3
3.9
3.7
83.1
5.9
Not in Metropolitan area
19,325
100
4.5
4.3
3.8
82.6
4.8
Not Identified
18,686
100
4.1
4.2
5.2
81.5
5.1
Not in labor force
Family Income
Homeownership
Geographic Region
Metropolitan Status
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
41
C-2 Prepaid Debit Card Use and Recency Of Use By Household Characteristics, 2013
For all unbanked households, row percent
Characteristics
All
Number of
Households
(1000s)
Percent of
Households
Used: in last 30
days (Percent)
Used: Not in
last 30 days but
in last 12
months
(Percent)
Used: Not in
last 12 months
(Percent)
Never Used
(Percent)
Use Unknown
(Percent)
123,750
100
3.9
4.0
4.1
82.3
5.7
Married couple
59,102
100
3.2
3.9
3.7
84.2
5.0
Unmarried female-headed family
15,802
100
7.4
5.7
5.3
75.5
6.1
6,327
100
5.4
4.9
4.2
80.7
4.8
Female individual
22,150
100
3.2
3.1
3.9
83.3
6.4
Male individual
20,240
100
3.6
3.6
4.6
81.4
6.7
128
100
3.6
3.6
2.2
83.0
7.6
Black
16,801
100
7.0
4.5
5.5
75.0
8.0
Hispanic
14,948
100
4.6
3.2
2.8
83.3
6.2
Asian
5,882
100
2.4
2.1
2.9
85.6
7.0
American Indian/Alaskan
1,464
100
8.4
6.3
4.0
76.8
4.5
Hawaiian/Pacific Islander
314
100
6.0
3.7
5.1
79.9
5.2
White non-Black non-Hispanic
84,310
100
3.2
4.1
4.1
83.5
5.0
Other non-Black non-Hispanic
NA
NA
NA
NA
NA
NA
NA
121,097
100
3.9
4.0
4.2
82.2
5.7
2,654
100
4.9
1.9
1.8
85.3
6.1
106,397
100
4.1
4.2
4.4
81.8
5.5
Foreign born citizen
9,252
100
2.3
1.8
2.4
86.6
7.0
Foreign born non citizen
8,102
100
3.5
3.2
2.7
83.4
7.1
15 to 24 years
6,244
100
5.7
7.0
6.1
76.4
4.9
25 to 34 years
20,464
100
5.6
5.3
5.8
77.7
5.5
35 to 44 years
21,408
100
4.8
5.5
4.8
79.4
5.5
45 to 54 years
24,551
100
4.8
4.4
4.4
80.8
5.6
55 to 64 years
22,710
100
3.2
3.2
3.3
85.4
4.9
65 years or more
28,372
100
1.5
1.5
2.3
87.9
6.8
Disabled
10,841
100
7.5
4.9
4.6
77.2
5.8
Not Disabled
78,293
100
4.2
4.5
4.5
81.5
5.3
Not Applicable
34,616
100
2.2
2.5
3.0
85.8
6.5
No high school degree
13,871
100
5.4
3.5
2.7
82.3
6.1
High school degree
33,684
100
4.3
3.8
4.1
81.7
6.1
Some college
36,007
100
4.5
4.3
4.6
81.2
5.4
College degree
40,188
100
2.6
4.1
4.1
83.8
5.4
Household Type
Unmarried male-headed family
Other
Race/Ethnicity
Spanish only language spoken
Spanish is not the only language spoken
Spanish is only language spoken
Nativity
U.S.-born
Age Group
Disability Status
Education
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
42
C-2 Prepaid Debit Card Use and Recency Of Use By Household Characteristics, 2013
For all unbanked households, row percent
Characteristics
Number of
Households
(1000s)
Percent of
Households
Used: in last 30
days (Percent)
Used: Not in
last 30 days but
in last 12
months
(Percent)
Used: Not in
last 12 months
(Percent)
Never Used
(Percent)
Use Unknown
(Percent)
Employment Status
Employed
75,587
100
3.8
4.5
4.7
81.7
5.2
5,436
100
8.3
6.6
5.9
74.1
5.1
42,727
100
3.5
2.7
2.9
84.4
6.6
Less than $15,000
19,044
100
7.0
4.4
4.6
77.6
6.5
Between $15,000 and $30,000
21,763
100
4.6
3.7
3.7
81.7
6.3
Between $30,000 and $50,000
24,496
100
4.4
3.9
4.2
81.4
6.1
Between $50,000 and $75,000
22,552
100
2.7
3.8
4.6
83.7
5.2
At Least $75,000
35,895
100
2.4
4.2
3.7
84.9
4.9
Homeowner
80,136
100
2.5
3.4
3.5
85.2
5.3
Non-homeowner
43,614
100
6.6
5.0
5.2
76.9
6.3
Northeast
22,199
100
2.9
3.7
3.7
83.7
6.0
Midwest
27,315
100
4.2
4.7
4.5
81.3
5.3
South
46,738
100
4.5
3.9
4.2
81.5
5.8
West
27,498
100
3.4
3.6
3.8
83.5
5.6
Metropolitan area - Principal City
34,510
100
4.4
3.8
4.3
81.3
6.1
Metropolitan area - Balance
51,229
100
3.3
3.9
3.7
83.1
5.9
Not in Metropolitan area
19,325
100
4.5
4.3
3.8
82.6
4.8
Not Identified
18,686
100
4.1
4.2
5.2
81.5
5.1
Unemployed
Not in labor force
Family Income
Homeownership
Geographic Region
Metropolitan Status
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
43
C-3 Prepaid Debit Card Use and Use In Last 12 Months By Banking Status And Household Characteristics,
2013
For all households, column percent
Characteristics
Number of Households (1000s)
Used in last 12
months
All
Used but not in last
12 months
Never Used
Unknown
123,750
9,791
5,026
101,854
7,078
100
100
100
100
100
7.7
21.8
9.2
6.1
10.2
Banked: Underbanked
20.0
33.2
31.9
19.2
4.5
Banked: Fully Banked
67.0
44.6
58.0
73.7
7.2
5.3
0.5
0.9
0.9
78.1
Married couple
47.8
42.9
42.5
48.9
42.3
Unmarried female-headed family
12.8
21.2
16.4
11.7
13.7
5.1
6.6
5.3
5.0
4.3
Female individual
17.9
14.4
17.2
18.1
20.2
Male individual
16.4
14.9
18.6
16.2
19.3
0.1
0.1
0.1
0.1
0.1
Black
13.6
19.7
18.2
12.4
19.2
Hispanic
Percent of Households
Unbanked and Underbanked (Percent)
Unbanked
Banked: Underbanked Status Unknown
Household Type (Percent)
Unmarried male-headed family
Other
Race/Ethnicity (Percent)
12.1
11.9
8.1
12.2
13.1
Asian
4.8
2.7
3.3
4.9
5.9
American Indian/Alaskan
1.2
2.2
1.2
1.1
0.9
Hawaiian/Pacific Islander
0.3
0.3
0.3
0.2
0.2
White non-Black non-Hispanic
68.1
63.2
68.9
69.1
60.6
Other non-Black non-Hispanic
-
-
-
-
-
97.9
98.2
99.0
97.8
97.7
2.1
1.8
1.0
2.2
2.3
86.0
90.6
91.5
85.5
82.6
Foreign born citizen
7.5
3.8
4.2
7.9
9.2
Foreign born non citizen
6.5
5.6
4.3
6.6
8.2
15 to 24 years
5.0
8.1
7.6
4.7
4.3
25 to 34 years
16.5
22.9
23.6
15.6
16.0
35 to 44 years
17.3
22.5
20.2
16.7
16.8
45 to 54 years
19.8
22.9
21.6
19.5
19.4
55 to 64 years
18.4
14.9
14.5
19.0
16.0
65 years or more
22.9
8.7
12.5
24.5
27.6
8.8
13.7
10.0
8.2
8.9
Not Disabled
63.3
69.5
69.9
62.6
59.3
Not Applicable
28.0
16.8
20.1
29.2
31.8
Spanish only language spoken (Percent)
Spanish is not the only language spoken
Spanish is only language spoken
Nativity (Percent)
U.S.-born
Age Group (Percent)
Disability Status (Percent)
Disabled
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
44
C-3 Prepaid Debit Card Use and Use In Last 12 Months By Banking Status And Household Characteristics,
2013
For all households, column percent
Characteristics
Used in last 12
months
All
Used but not in last
12 months
Never Used
Unknown
Education (Percent)
No high school degree
11.2
12.6
7.4
11.2
12.1
High school degree
27.2
27.8
27.1
27.0
29.2
Some college
29.1
32.2
32.9
28.7
27.6
College degree
32.5
27.4
32.6
33.1
31.1
61.1
64.7
69.7
60.7
56.1
Employment Status (Percent)
Employed
Unemployed
4.4
8.2
6.3
4.0
4.0
34.5
27.1
23.9
35.4
39.9
Less than $15,000
15.4
22.1
17.1
14.5
17.6
Between $15,000 and $30,000
17.6
18.4
16.1
17.5
19.4
Between $30,000 and $50,000
19.8
20.7
20.0
19.6
21.6
Between $50,000 and $75,000
18.2
14.8
20.5
18.5
16.8
At Least $75,000
29.0
24.0
26.4
29.9
24.7
Not in labor force
Family Income (Percent)
Homeownership (Percent)
Homeowner
64.8
48.3
55.7
67.1
60.7
Non-homeowner
35.2
51.7
44.3
32.9
39.3
Northeast
17.9
14.9
16.2
18.2
19.0
Midwest
22.1
25.0
24.0
21.8
20.7
South
37.8
40.2
39.2
37.4
38.5
West
22.2
19.9
20.7
22.6
21.8
Metropolitan area - Principal City
27.9
29.1
29.2
27.6
30.1
Metropolitan area - Balance
41.4
37.9
37.2
41.8
43.2
Not in Metropolitan area
15.6
17.4
14.5
15.7
13.2
Not Identified
15.1
15.7
19.1
15.0
13.5
Geographic Region (Percent)
Metropolitan Status (Percent)
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
45
C-4 Prepaid Debit Card Recency Of Use By Banking Status And Household Characteristics, 2013
For all households, column percent
Characteristics
Number of Households (1000s)
Used: in last 30
days
All
Used: Not in last
30 days but in last
12 months
Used: Not in last
12 months
Never Used
Use Unknown
123,750
4,854
4,937
5,078
101,854
7,026
100
100
100
100
100
100
7.7
33.2
10.6
9.2
6.1
10.2
Banked: Underbanked
20.0
33.4
32.9
31.8
19.2
4.4
Banked: Fully Banked
67.0
33.0
56.0
58.1
73.7
6.7
5.3
0.4
0.5
0.9
0.9
78.7
Married couple
47.8
39.4
46.3
42.7
48.9
42.1
Unmarried female-headed family
12.8
24.0
18.4
16.4
11.7
13.7
5.1
7.0
6.2
5.2
5.0
4.4
Female individual
17.9
14.7
14.1
17.1
18.1
20.3
Male individual
16.4
14.9
14.9
18.5
16.2
19.4
0.1
0.1
0.1
0.1
0.1
0.1
Black
13.6
24.3
15.3
18.1
12.4
19.2
Hispanic
12.1
14.2
9.7
8.1
12.2
13.1
Asian
4.8
2.9
2.5
3.3
4.9
5.9
American Indian/Alaskan
1.2
2.5
1.9
1.2
1.1
0.9
Hawaiian/Pacific Islander
0.3
0.4
0.2
0.3
0.2
0.2
White non-Black non-Hispanic
68.1
55.8
70.4
68.9
69.1
60.6
Other non-Black non-Hispanic
-
-
-
-
-
-
97.9
97.3
99.0
99.0
97.8
97.7
2.1
2.7
1.0
1.0
2.2
2.3
86.0
89.8
91.3
91.4
85.5
82.6
Foreign born citizen
7.5
4.3
3.3
4.3
7.9
9.2
Foreign born non citizen
6.5
5.9
5.3
4.3
6.6
8.2
15 to 24 years
5.0
7.4
8.8
7.5
4.7
4.3
25 to 34 years
16.5
23.8
22.0
23.5
15.6
16.0
35 to 44 years
17.3
21.1
24.0
20.2
16.7
16.8
45 to 54 years
19.8
24.2
21.7
21.4
19.5
19.5
55 to 64 years
18.4
15.0
14.7
14.7
19.0
15.9
65 years or more
22.9
8.6
8.8
12.7
24.5
27.5
8.8
16.8
10.7
9.9
8.2
9.0
Not Disabled
63.3
67.3
71.7
69.9
62.6
59.2
Not Applicable
28.0
15.9
17.6
20.2
29.2
31.8
Percent of Households
Unbanked and Underbanked (Percent)
Unbanked
Banked: Underbanked Status Unknown
Household Type (Percent)
Unmarried male-headed family
Other
Race/Ethnicity (Percent)
Spanish only language spoken (Percent)
Spanish is not the only language spoken
Spanish is only language spoken
Nativity (Percent)
U.S.-born
Age Group (Percent)
Disability Status (Percent)
Disabled
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
46
C-4 Prepaid Debit Card Recency Of Use By Banking Status And Household Characteristics, 2013
For all households, column percent
Characteristics
Used: in last 30
days
All
Used: Not in last
30 days but in last
12 months
Used: Not in last
12 months
Never Used
Use Unknown
Education (Percent)
No high school degree
11.2
15.4
9.8
7.4
11.2
12.1
High school degree
27.2
30.0
25.6
27.1
27.0
29.2
Some college
29.1
33.4
31.1
32.9
28.7
27.6
College degree
32.5
21.2
33.6
32.6
33.1
31.1
61.1
59.8
69.4
69.6
60.7
56.1
4.4
9.2
7.3
6.4
4.0
4.0
34.5
30.9
23.3
24.0
35.4
39.9
Less than $15,000
15.4
27.5
16.8
17.2
14.5
17.5
Between $15,000 and $30,000
17.6
20.6
16.1
16.0
17.5
19.4
Between $30,000 and $50,000
19.8
22.0
19.4
20.2
19.6
21.4
Between $50,000 and $75,000
18.2
12.4
17.2
20.3
18.5
16.8
At Least $75,000
29.0
17.4
30.4
26.3
29.9
24.8
Homeowner
64.8
40.9
55.6
55.8
67.1
60.6
Non-homeowner
35.2
59.1
44.4
44.2
32.9
39.4
Northeast
17.9
13.4
16.4
16.2
18.2
19.0
Midwest
22.1
23.7
26.2
24.0
21.8
20.7
South
37.8
43.4
37.1
39.1
37.4
38.5
West
22.2
19.5
20.3
20.7
22.6
21.7
Metropolitan area - Principal City
27.9
31.4
26.8
29.2
27.6
30.1
Metropolitan area - Balance
41.4
35.1
40.6
37.1
41.8
43.3
Not in Metropolitan area
15.6
17.9
16.9
14.6
15.7
13.1
Not Identified
15.1
15.6
15.8
19.1
15.0
13.5
Employment Status (Percent)
Employed
Unemployed
Not in labor force
Family Income (Percent)
Homeownership (Percent)
Geographic Region (Percent)
Metropolitan Status (Percent)
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
47
C-5 Prepaid Debit Cards, Main Reason For Use By Banking Status, 2013
For all households that used prepaid debit cards in last 12 months, column percent
Characteristics
Number of Households (1000s)
Percent of Households
All
Unbanked
Banked: Underbanked
Banked: Fully Banked
9,791
2,134
3,247
4,366
100
100
100
100
Main Reason Used Prepaid Card (Percent)
To put money in a safe place
To pay for everyday purchases or pay bills
4.5
6.6
5.0
3.2
36.3
47.6
39.0
28.9
To save money for the future
1.3
1.2
2.0
0.8
To receive payments
15.6
31.8
14.3
8.7
To send or give money
13.7
1.4
12.3
20.7
6.4
5.8
8.3
5.4
21.3
5.2
17.9
31.5
0.9
0.5
1.1
0.8
To control spending
Other
Unknown
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
C-6 Prepaid Debit Cards, All Reasons For Use By Banking Status, 2013
For all households that used prepaid debit cards in last 12 months, column percent
Characteristics
Number of Households (1000s)
All
Unbanked
Banked: Underbanked
Banked: Fully Banked
9,791
2,134
3,247
4,366
100
100
100
100
Yes
9.6
17.7
9.8
5.6
No
89.5
81.9
89.3
93.5
0.9
0.4
0.9
0.8
Yes
44.5
65.0
48.4
32.0
No
54.6
34.6
50.7
67.2
0.9
0.4
0.9
0.8
Percent of Households
To put money in a safe place (Percent)
Unknown
To pay for everyday purchases or pay bills (Percent)
Unknown
To save money for the future (Percent)
Yes
3.7
7.3
3.9
1.7
No
95.4
92.3
95.1
97.5
0.9
0.4
0.9
0.8
Yes
19.4
41.8
17.6
10.0
No
79.7
57.8
81.5
89.2
0.9
0.4
0.9
0.8
Yes
16.2
5.1
15.1
22.5
No
82.9
94.5
83.9
76.7
0.9
0.4
0.9
0.8
Yes
11.5
17.3
12.8
7.8
No
87.6
82.3
86.2
91.3
0.9
0.4
0.9
0.8
Unknown
To receive payments (Percent)
Unknown
To send or give money (Percent)
Unknown
To control spending (Percent)
Unknown
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
48
C-6 Prepaid Debit Cards, All Reasons For Use By Banking Status, 2013
For all households that used prepaid debit cards in last 12 months, column percent
Characteristics
All
Unbanked
Banked: Underbanked
Banked: Fully Banked
Other (Percent)
Yes
22.2
6.2
18.7
32.4
No
77.0
93.4
80.3
66.8
0.9
0.4
0.9
0.8
Unknown
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
C-7a AFS Use By Prepaid Debit Card Use, 2013
For all unbanked households, col percent
Characteristics
Number of Households (1000s)
Used in last 12 months
Used but not in last 12 months
Never Used
Unknown
2,134
463
6,263
722
100
100
100
100
Used Only Transaction AFS
47.5
50.9
48.9
2.6
Used Transaction and Credit AFS
28.6
14.6
10.6
1.2
Percent of Households
Type of AFS Used in Last Year (Percent)
Used Only Credit AFS
Did not use any AFS in last year
3.5
6.1
2.2
-
19.4
25.5
37.0
1.9
AFS Used Type Unknown
0.7
-
0.5
11.2
Use Unknown
0.3
2.9
0.8
83.0
Used in last 12 months
46.2
37.5
35.0
11.4
Used but not in last 12 months
15.5
17.5
11.6
4.3
Never Used
38.0
42.9
52.7
12.3
0.2
2.0
0.6
72.0
67.9
54.7
44.2
9.5
Check Casher, Last 12 Months (Percent)
Unknown
Money Order, Last 12 Months (Percent)
Used in last 12 months
Used but not in last 12 months
Never Used
Unknown
9.5
19.4
9.7
3.5
22.2
25.9
45.7
7.9
0.4
-
0.4
79.1
6.8
8.7
10.8
1.8
Remittance, Last 12 Months (Percent)
Used in last 12 months
Used but not in last 12 months
5.4
4.0
3.3
0.5
87.6
87.3
85.3
15.6
0.2
-
0.5
82.1
5.7
3.7
1.8
0.6
Used but not in last 12 months
12.2
12.0
4.6
0.4
Never Used
81.5
84.2
93.1
12.0
0.6
-
0.5
86.9
Never Used
Unknown
Payday Loan, Last 12 Months (Percent)
Used in last 12 months
Unknown
Rent-to-Own, Last 12 Months (Percent)
Used in last 12 months
10.9
5.5
2.7
-
Used but not in last 12 months
18.3
16.9
4.8
-
Never Used
70.5
77.6
92.1
8.2
0.4
-
0.4
91.8
Unknown
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
49
C-7a AFS Use By Prepaid Debit Card Use, 2013
For all unbanked households, col percent
Characteristics
Used in last 12 months
Used but not in last 12 months
Never Used
Unknown
Pawn Shop, Last 12 Months (Percent)
Used in last 12 months
17.8
13.7
7.9
0.6
Used but not in last 12 months
18.9
20.2
7.5
1.3
Never Used
62.8
65.3
84.1
10.3
0.5
0.9
0.5
87.9
3.7
1.2
1.2
-
Unknown
Auto Title Loan, Last 12 Months (Percent)
Used in last 12 months
Used but not in last 12 months
Never Used
Unknown
6.0
9.8
1.8
-
89.9
89.0
96.7
8.2
0.4
-
0.4
91.8
Refund Anticipation Loan, Last 12 Months
(Percent)
Used in last 12 months
8.1
3.7
2.8
-
Used but not in last 12 months
11.2
13.3
3.7
-
Never Used
80.3
83.0
92.9
9.5
0.5
-
0.6
90.5
Unknown
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
C-7b AFS Use By Prepaid Debit Card Use, 2013
For all banked households, col percent
Characteristics
Number of Households (1000s)
Used in last 12 months
Used but not in last 12
months
Never Used
Unknown
7,657
4,563
95,591
6,356
100
100
100
100
Used Only Transaction AFS
25.8
22.8
14.8
1.7
Used Transaction and Credit AFS
11.1
7.3
2.6
0.2
5.0
4.9
3.0
0.1
Percent of Households
Type of AFS Used in Last Year (Percent)
Used Only Credit AFS
Did not use any AFS in last year
57.0
63.9
78.6
8.0
AFS Used Type Unknown
0.5
0.2
0.1
3.0
Use Unknown
0.6
1.0
0.9
87.0
12.2
7.8
3.4
1.1
Check Casher, Last 12 Months (Percent)
Used in last 12 months
Used but not in last 12 months
7.6
11.1
4.4
1.4
79.9
80.7
91.7
23.6
0.2
0.4
0.4
73.8
Used in last 12 months
31.5
24.3
13.7
3.7
Used but not in last 12 months
13.7
20.5
10.8
2.5
Never Used
54.5
54.8
75.1
16.7
0.4
0.5
0.4
77.1
Never Used
Unknown
Money Order, Last 12 Months (Percent)
Unknown
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
50
C-7b AFS Use By Prepaid Debit Card Use, 2013
For all banked households, col percent
Characteristics
Used in last 12 months
Used but not in last 12
months
Never Used
Unknown
Remittance, Last 12 Months (Percent)
Used in last 12 months
Used but not in last 12 months
Never Used
Unknown
5.3
3.4
3.2
0.6
2.9
4.8
1.6
0.6
91.5
91.3
94.8
19.6
0.4
0.4
0.4
79.2
4.3
4.7
1.7
0.2
Payday Loan, Last 12 Months (Percent)
Used in last 12 months
Used but not in last 12 months
6.3
6.8
1.9
0.2
88.9
88.2
96.1
17.8
0.5
0.3
0.3
81.8
Used in last 12 months
5.0
2.4
0.9
-
Used but not in last 12 months
7.2
7.7
2.3
0.1
87.5
89.5
96.6
13.6
0.3
0.3
0.2
86.3
Never Used
Unknown
Rent-to-Own, Last 12 Months (Percent)
Never Used
Unknown
Pawn Shop, Last 12 Months (Percent)
Used in last 12 months
6.7
4.4
2.0
0.1
Used but not in last 12 months
8.5
11.3
3.6
0.4
84.5
83.9
94.2
16.2
0.3
0.4
0.2
83.3
Used in last 12 months
2.3
1.3
0.7
0.1
Used but not in last 12 months
4.3
4.8
1.5
0.1
93.0
93.4
97.6
12.1
0.5
0.5
0.2
87.8
3.7
2.7
1.5
-
Never Used
Unknown
Auto Title Loan, Last 12 Months (Percent)
Never Used
Unknown
Refund Anticipation Loan, Last 12 Months (Percent)
Used in last 12 months
Used but not in last 12 months
Never Used
Unknown
7.0
7.9
2.2
0.4
88.6
89.0
95.9
13.6
0.7
0.4
0.4
86.0
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
51
C-8 Sources of Prepaid Debit Cards By Banking Status, 2013
For all households that used prepaid debit cards in last 12 months, column percent
Characteristics
All
Number of Households (1000s)
Unbanked
Banked: Underbanked
Banked: Fully Banked
9,791
2,134
3,247
4,366
100
100
100
100
Large retail or department store
31.5
34.2
36.7
26.5
Grocery, liquor, convenience, or drug store
18.7
17.7
20.2
18.1
Percent of Households
Prepaid Card Typical Location to Get It (Percent)
Stand alone non-bank financial services store
4.1
9.6
4.5
1.1
A bank branch
10.7
4.2
8.7
15.4
Internet/Online
4.2
5.3
5.4
2.9
Over the telephone
0.7
1.8
0.4
0.3
Provided by Someone Else
17.8
13.3
15.0
22.1
Unknown
12.4
13.9
9.2
13.5
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
C-9 Prepaid Debit Cards, Reload In Last 12 Months By Banking Status, Recency Of Prepaid Card Use And
Household Characteristics, 2013
For all households that used prepaid debit cards in last 12 months, row percent
Number of Households
(1000s)
Percent of Households
9,791
100
37.3
61.8
0.9
Unbanked
2,134
100
57.8
41.9
0.3
Banked: Underbanked
3,247
100
42.9
56.1
1.0
Banked: Fully Banked
4,366
100
23.4
75.8
0.8
NA
NA
NA
NA
NA
in last 30 days
4,854
100
53.8
45.3
0.9
Not in last 30 days but in last 12 months
4,937
100
21.1
78.0
0.9
Married couple
4,198
100
31.3
67.9
0.8
Unmarried female-headed family
2,073
100
47.4
52.2
0.4
646
100
46.3
53.2
0.5
Female individual
1,406
100
36.9
61.9
1.2
Male individual
1,459
100
36.6
61.6
1.8
NA
NA
NA
NA
NA
Black
1,932
100
54.7
45.1
0.2
Hispanic
1,164
100
44.7
55.3
-
Asian
264
100
33.8
66.2
-
American Indian/Alaskan
215
100
44.8
55.2
-
Hawaiian/Pacific Islander
NA
NA
NA
NA
NA
6,185
100
30.3
68.3
1.4
Characteristics
All
Card Was Reloaded
(Percent)
Card Was Not Reloaded
(Percent)
Unknown (Percent)
Unbanked and Underbanked
Banked: Underbanked Status Unknown
Prepaid Card Use
Household Type
Unmarried male-headed family
Other
Race/Ethnicity
White non-Black non-Hispanic
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
52
C-9 Prepaid Debit Cards, Reload In Last 12 Months By Banking Status, Recency Of Prepaid Card Use And
Household Characteristics, 2013
For all households that used prepaid debit cards in last 12 months, row percent
Characteristics
Number of Households
(1000s)
Percent of Households
Card Was Reloaded
(Percent)
Card Was Not Reloaded
(Percent)
9,611
100
37.1
62.0
0.9
180
100
47.5
50.9
1.6
Unknown (Percent)
Spanish only language spoken
Spanish is not the only language spoken
Spanish is only language spoken
Nativity
8,867
100
36.8
62.2
1.0
Foreign born citizen
U.S.-born
373
100
38.6
61.0
0.4
Foreign born non citizen
551
100
44.2
55.8
-
15 to 24 years
793
100
41.7
57.7
0.6
25 to 34 years
2,240
100
40.9
58.0
1.1
35 to 44 years
2,208
100
39.0
60.4
0.6
45 to 54 years
2,246
100
35.3
63.8
0.9
55 to 64 years
1,455
100
34.3
64.4
1.3
850
100
29.9
69.2
0.8
No high school degree
1,232
100
45.0
54.5
0.5
High school degree
2,718
100
43.1
55.8
1.1
Some college
3,158
100
42.8
56.2
0.9
College degree
2,684
100
21.4
77.6
0.9
6,333
100
35.4
63.6
1.1
807
100
47.9
50.3
1.8
2,651
100
38.7
61.0
0.3
Less than $15,000
2,165
100
44.1
54.9
1.0
Between $15,000 and $30,000
1,799
100
46.3
52.7
1.0
Between $30,000 and $50,000
2,027
100
43.7
55.5
0.8
Between $50,000 and $75,000
1,453
100
32.1
67.0
1.0
At Least $75,000
2,347
100
21.9
77.3
0.8
Homeowner
4,731
100
28.4
70.7
0.9
Non-homeowner
5,061
100
45.6
53.4
0.9
Northeast
1,463
100
30.6
68.4
1.0
Midwest
2,444
100
31.5
67.1
1.3
South
3,935
100
44.1
55.2
0.6
West
1,949
100
35.8
63.3
0.9
Metropolitan area - Principal City
2,846
100
38.7
60.4
0.9
Metropolitan area - Balance
3,706
100
34.3
64.4
1.3
Not in Metropolitan area
1,702
100
38.2
61.2
0.6
Not Identified
1,537
100
40.9
58.7
0.4
Age Group
65 years or more
Education
Employment Status
Employed
Unemployed
Not in labor force
Family Income
Homeownership
Geographic Region
Metropolitan Status
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
53
C-9 Prepaid Debit Cards, Reload In Last 12 Months By Banking Status, Recency Of Prepaid Card Use And
Household Characteristics, 2013
For all households that used prepaid debit cards in last 12 months, row percent
Number of Households
(1000s)
Percent of Households
Disabled
1,343
100
42.6
56.4
0.9
Not Disabled
6,806
100
36.7
62.4
1.0
Not Applicable
1,643
100
35.6
63.7
0.7
Characteristics
Card Was Reloaded
(Percent)
Card Was Not Reloaded
(Percent)
Unknown (Percent)
Disability Status
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
54
C-10 Prepaid Debit Cards, Reload Location By Banking Status, 2013
For all households that reloaded prepaid debit cards in last 12 months, column percent
Characteristics
Number of Households (1000s)
Percent of Households
All
Unbanked
Banked: Underbanked
Banked: Fully Banked
3,653
1,234
1,393
1,020
100
100
100
100
Bank teller (Percent)
Yes
14.4
3.3
15.0
26.6
No
84.0
96.0
83.3
70.8
1.7
0.7
1.7
2.6
Unknown
ATM/Kiosk (Percent)
Yes
6.8
8.9
6.6
4.6
No
91.5
90.4
91.8
92.7
1.7
0.7
1.7
2.6
Yes
50.7
58.1
58.4
31.5
No
47.6
41.2
39.9
65.9
1.7
0.7
1.7
2.6
Yes
6.7
8.1
6.0
6.1
No
91.6
91.2
92.4
91.3
1.7
0.7
1.7
2.6
Yes
4.3
5.4
2.7
5.4
No
94.0
93.9
95.6
92.0
1.7
0.7
1.7
2.6
Unknown
Retail store clerk (Percent)
Unknown
Telephone (Percent)
Unknown
Mobile Phone through text messaging, phone Internet
browser, mobile app, email (Percent)
Unknown
Online through desktop, laptop, or tablet (Percent)
Yes
11.2
6.1
10.5
18.2
No
87.1
93.1
87.8
79.2
1.7
0.7
1.7
2.6
Yes
17.7
27.7
12.9
12.5
No
80.6
71.6
85.4
84.9
1.7
0.7
1.7
2.6
Yes
4.6
7.2
4.4
2.0
No
93.7
92.1
94.0
95.4
1.7
0.7
1.7
2.6
Unknown
Direct Deposit of paycheck (Percent)
Unknown
Other (Percent)
Unknown
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
55
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
56
Appendix D – Alternative Financial Services:
National Tables
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
57
D-1 AFS Use In Last 12 Months By Banking Status And Household Characteristics, 2013
For all households, row percent
Characteristics
All
Number of
Households
(1000s)
Percent of
Households
Has Used (Percent)
Has Not Used
(Percent)
Unknown (Percent)
123,750
100
24.9
69.3
5.8
Unbanked
Unbanked
9,582
100
63.2
29.9
7.0
114,168
100
21.7
72.6
5.7
Married couple
59,102
100
20.1
74.7
5.2
Unmarried female-headed family
15,802
100
41.3
52.9
5.9
6,327
100
37.5
57.3
5.2
Female individual
22,150
100
21.2
72.0
6.8
Male individual
20,240
100
26.2
67.1
6.7
128
100
31.7
60.8
7.6
Black
16,801
100
46.1
45.8
8.1
Hispanic
Has bank account
Household Type
Unmarried male-headed family
Other
Race/Ethnicity
14,948
100
40.3
53.6
6.1
Asian
5,882
100
18.7
74.5
6.8
American Indian/Alaskan
1,464
100
38.6
56.5
5.0
Hawaiian/Pacific Islander
314
100
27.2
67.6
5.2
White non-Black non-Hispanic
84,310
100
18.1
76.6
5.3
Other non-Black non-Hispanic
NA
NA
NA
NA
NA
121,097
100
24.4
69.8
5.8
2,654
100
46.3
48.2
5.5
106,397
100
23.4
71.0
5.6
Foreign born citizen
9,252
100
26.9
65.9
7.1
Foreign born non citizen
8,102
100
42.8
50.3
6.9
15 to 24 years
6,244
100
41.5
53.5
5.0
25 to 34 years
20,464
100
33.6
61.2
5.2
35 to 44 years
21,408
100
29.6
65.0
5.4
45 to 54 years
24,551
100
26.7
67.6
5.7
55 to 64 years
22,710
100
20.9
73.6
5.4
65 years or more
28,372
100
13.1
79.8
7.1
Disabled
10,841
100
38.7
55.3
6.0
Not Disabled
78,293
100
26.0
68.7
5.4
Not Applicable
34,616
100
18.2
75.1
6.7
Spanish only language spoken
Spanish is not the only language
spoken
Spanish is only language spoken
Nativity
U.S.-born
Age Group
Disability Status
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
58
D-1 AFS Use In Last 12 Months By Banking Status And Household Characteristics, 2013
For all households, row percent
Characteristics
Number of
Households
(1000s)
Percent of
Households
Has Used (Percent)
Has Not Used
(Percent)
Unknown (Percent)
Education
No high school degree
13,871
100
39.5
54.4
6.2
High school degree
33,684
100
28.7
65.0
6.3
Some college
36,007
100
26.9
67.5
5.6
College degree
40,188
100
14.9
79.6
5.5
75,587
100
25.6
69.1
5.3
5,436
100
41.0
54.2
4.8
42,727
100
21.6
71.7
6.8
Less than $15,000
19,044
100
39.1
54.5
6.4
Between $15,000 and $30,000
21,763
100
33.1
60.5
6.4
Between $30,000 and $50,000
24,496
100
26.5
67.2
6.3
Between $50,000 and $75,000
22,552
100
20.9
73.6
5.4
At Least $75,000
35,895
100
13.8
81.2
5.0
Homeowner
80,136
100
17.0
77.5
5.5
Non-homeowner
43,614
100
39.4
54.2
6.4
Northeast
22,199
100
23.6
70.4
6.0
Midwest
27,315
100
21.0
73.2
5.8
South
46,738
100
29.3
64.9
5.8
West
27,498
100
22.3
71.9
5.7
Metropolitan area - Principal City
34,510
100
29.6
64.1
6.3
Metropolitan area - Balance
51,229
100
21.2
72.7
6.0
Not in Metropolitan area
19,325
100
26.3
68.6
5.1
Not Identified
18,686
100
24.8
70.1
5.1
Employment Status
Employed
Unemployed
Not in labor force
Family Income
Homeownership
Geographic Region
Metropolitan Status
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
59
D-2 AFS Recency Of Use By Banking Status And Household Characteristics, 2013
For all households, row percent
Used: Not in
last 30 days Used: Not in
Used: in last but in last 12
last 12
30 days
months
months
(Percent)
(Percent)
(Percent)
Number of
Households
(1000s)
Percent of
Households
123,750
100
12.0
12.9
14.4
55.3
5.4
9,582
100
47.0
16.2
10.7
19.9
6.2
114,168
100
9.1
12.6
14.7
58.2
5.3
Married couple
59,102
100
8.5
11.6
14.1
60.9
4.9
Unmarried female-headed family
15,802
100
23.1
18.1
13.6
39.8
5.3
21.4
16.1
13.7
44.0
4.9
Characteristics
All
Never Used
(Percent)
Use
Unknown
(Percent)
Unbanked
Unbanked
Has bank account
Household Type
Unmarried male-headed family
6,327
100
Female individual
22,150
100
9.6
11.5
15.1
57.5
6.3
Male individual
20,240
100
13.2
13.0
15.5
52.0
6.3
128
100
16.8
14.9
16.9
43.9
7.6
Black
16,801
100
25.9
20.2
13.8
32.6
7.5
Hispanic
14,948
100
24.6
15.8
10.7
43.1
5.8
Asian
5,882
100
6.5
12.2
10.0
64.7
6.5
American Indian/Alaskan
1,464
100
21.3
17.2
17.7
39.2
4.5
Other
Race/Ethnicity
Hawaiian/Pacific Islander
314
100
15.3
11.9
8.9
59.7
4.2
White non-Black non-Hispanic
84,310
100
7.3
10.9
15.5
61.5
4.9
Other non-Black non-Hispanic
NA
NA
NA
NA
NA
NA
NA
121,097
100
11.5
12.9
14.5
55.6
5.4
2,654
100
34.1
12.2
10.0
38.8
4.8
Spanish only language spoken
Spanish is not the only language
spoken
Spanish is only language spoken
Nativity
U.S.-born
106,397
100
10.9
12.5
15.3
56.1
5.2
Foreign born citizen
9,252
100
12.0
14.9
8.9
57.4
6.8
Foreign born non citizen
8,102
100
27.5
15.3
9.0
41.9
6.3
15 to 24 years
6,244
100
22.7
18.8
9.9
43.7
4.9
25 to 34 years
20,464
100
17.3
16.3
14.1
47.4
4.9
35 to 44 years
21,408
100
14.1
15.5
14.8
50.6
5.0
45 to 54 years
24,551
100
13.2
13.5
14.8
53.2
5.3
55 to 64 years
22,710
100
9.1
11.8
15.6
58.5
4.9
65 years or more
28,372
100
5.6
7.5
14.1
66.1
6.7
Disabled
10,841
100
21.9
16.8
18.0
38.1
5.3
Not Disabled
78,293
100
12.2
13.8
14.4
54.6
5.0
Not Applicable
34,616
100
8.7
9.5
13.4
62.1
6.4
Age Group
Disability Status
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
60
D-2 AFS Recency Of Use By Banking Status And Household Characteristics, 2013
For all households, row percent
Used: Not in
last 30 days Used: Not in
Used: in last but in last 12
last 12
30 days
months
months
(Percent)
(Percent)
(Percent)
Number of
Households
(1000s)
Percent of
Households
No high school degree
13,871
100
25.5
14.0
12.8
42.2
5.6
High school degree
33,684
100
14.7
14.0
14.2
51.2
5.9
Some college
36,007
100
12.7
14.2
15.4
52.5
5.2
College degree
40,188
100
4.5
10.3
14.3
65.7
5.2
75,587
100
12.0
13.6
14.3
55.1
5.0
5,436
100
21.3
19.7
14.7
39.8
4.5
42,727
100
10.8
10.7
14.6
57.5
6.3
Less than $15,000
19,044
100
23.5
15.6
14.0
41.1
5.9
Between $15,000 and $30,000
21,763
100
18.6
14.5
13.6
47.3
6.1
Between $30,000 and $50,000
24,496
100
12.7
13.8
15.0
52.7
5.7
Between $50,000 and $75,000
22,552
100
7.8
13.1
15.6
58.2
5.2
At Least $75,000
35,895
100
4.1
9.7
14.0
67.5
4.7
Homeowner
80,136
100
6.4
10.6
15.0
62.9
5.1
Non-homeowner
43,614
100
22.3
17.1
13.5
41.2
5.9
Northeast
22,199
100
10.4
13.2
14.2
56.6
5.6
Midwest
27,315
100
10.4
10.6
14.3
59.4
5.3
South
46,738
100
14.6
14.7
14.9
50.5
5.4
West
27,498
100
10.6
11.7
14.1
58.2
5.4
Metropolitan area - Principal City
34,510
100
15.7
13.9
13.1
51.3
6.0
Metropolitan area - Balance
51,229
100
9.5
11.8
14.2
58.9
5.7
Not in Metropolitan area
19,325
100
12.0
14.3
16.2
53.0
4.6
Not Identified
18,686
100
12.3
12.5
15.6
55.0
4.5
Characteristics
Never Used
(Percent)
Use
Unknown
(Percent)
Education
Employment Status
Employed
Unemployed
Not in labor force
Family Income
Homeownership
Geographic Region
Metropolitan Status
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
61
D-3 Percent Of Households That Used AFS In Last 12 Months By Banking Status, Household Characteristics
And Year, 2011 - 2013
All households (AFS use is based on 2011 list of AFS)
Characteristics
2011
2013
Estimate Diff from 2011
Unbanked
Unbanked
64.9
63.1
-1.8
Has bank account
21.9
21.4
-0.5
Married couple
21.1
19.8
-1.3*
Unmarried female-headed family
43.1
41.0
-2.09*
Unmarried male-headed family
39.6
37.1
-2.5
Female individual
19.4
21.0
1.62*
Male individual
26.5
26.0
-0.5
Other
28.6
31.7
3.0
Black
47.6
45.9
-1.75*
Hispanic
42.1
40.2
-1.9
Asian
17.4
18.4
1.1
American Indian/Alaskan
37.2
38.6
1.4
Hawaiian/Pacific Islander
34.8
27.2
-7.7
White non-Black non-Hispanic
18.7
17.9
-0.85*
Other non-Black non-Hispanic
12.7
5.4
-7.3
Spanish is not the only language spoken
24.9
24.2
-0.67*
Spanish is only language spoken
52.7
46.3
-6.4*
U.S.-born
24.1
23.1
-0.97*
Foreign born citizen
24.9
26.6
1.7
Foreign born non citizen
43.6
42.7
-0.9
15 to 24 years
42.7
41.3
-1.4
25 to 34 years
33.8
33.3
-0.5
35 to 44 years
29.8
29.2
-0.6
45 to 54 years
26.8
26.5
-0.3
55 to 64 years
21.6
20.8
-0.9
65 years or more
12.8
12.9
0.1
Disabled
38.9
38.5
-0.4
Not Disabled
26.3
25.7
-0.6
Not Applicable
18.7
18.0
-0.7
Household Type
Race/Ethnicity
Spanish only language spoken
Nativity
Age Group
Disability Status
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
62
D-3 Percent Of Households That Used AFS In Last 12 Months By Banking Status, Household Characteristics
And Year, 2011 - 2013
All households (AFS use is based on 2011 list of AFS)
Characteristics
2011
2013
Estimate Diff from 2011
Education
No high school degree
40.6
39.3
-1.3
High school degree
29.5
28.4
-1.1
Some college
26.7
26.7
-0.0
College degree
14.8
14.7
-0.1
Employed
25.1
25.3
0.2
Unemployed
44.1
40.9
-3.23*
Not in labor force
22.8
21.5
-1.38*
Less than $15,000
39.8
38.9
-0.9
Between $15,000 and $30,000
33.2
32.9
-0.4
Between $30,000 and $50,000
26.5
26.2
-0.3
Between $50,000 and $75,000
20.2
20.7
0.5
At Least $75,000
14.0
13.6
-0.5
Homeowner
17.6
16.7
-0.84*
Non-homeowner
40.5
39.2
-1.25*
Northeast
22.3
23.3
1.0
Midwest
22.3
20.8
-1.51*
South
29.8
29.0
-0.8
West
23.7
22.2
-1.52*
Metropolitan area - Principal City
30.1
29.4
-0.7
Metropolitan area - Balance
22.3
21.1
-1.24*
Not in Metropolitan area
26.0
25.8
-0.2
Not Identified
24.6
24.5
-0.1
Employment Status
Family Income
Homeownership
Geographic Region
Metropolitan Status
Based on the following AFS products: Check Cashing, Money order, Remittance, Payday Loan, Rent-to-own, Pawn, Refund-Anticipation-Loan
* Indicates differences that are statistically significant at the 10% level.
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
63
D-4 Transaction AFS Use In Last 12 Months By Banking Status And Household Characteristics, 2013
For all households, row percent
Characteristics
All
Number of
Households
(1000s)
Percent of
Households
Has Used (Percent)
Has Not Used
(Percent)
Unknown (Percent)
123,750
100
21.9
72.9
5.2
Unbanked
Unbanked
9,582
100
60.5
33.1
6.4
114,168
100
18.6
76.3
5.1
Married couple
59,102
100
17.6
77.8
4.7
Unmarried female-headed family
15,802
100
36.0
58.8
5.2
6,327
100
33.0
62.4
4.6
Female individual
22,150
100
18.7
75.2
6.1
Male individual
20,240
100
23.5
70.5
6.0
128
100
21.3
71.1
7.6
Black
16,801
100
41.9
50.7
7.4
Hispanic
Has bank account
Household Type
Unmarried male-headed family
Other
Race/Ethnicity
14,948
100
36.8
57.5
5.7
Asian
5,882
100
17.4
76.3
6.3
American Indian/Alaskan
1,464
100
34.0
62.7
3.3
Hawaiian/Pacific Islander
314
100
25.3
69.5
5.2
White non-Black non-Hispanic
84,310
100
15.4
80.0
4.6
Other non-Black non-Hispanic
NA
NA
NA
NA
NA
121,097
100
21.4
73.4
5.2
2,654
100
45.3
49.7
5.0
106,397
100
20.1
74.9
5.0
Foreign born citizen
9,252
100
25.2
68.1
6.7
Foreign born non citizen
8,102
100
41.4
52.3
6.3
15 to 24 years
6,244
100
37.2
58.1
4.7
25 to 34 years
20,464
100
29.5
65.7
4.8
35 to 44 years
21,408
100
25.4
69.7
5.0
45 to 54 years
24,551
100
23.3
71.6
5.0
55 to 64 years
22,710
100
18.4
76.8
4.8
65 years or more
28,372
100
12.0
81.8
6.2
Disabled
10,841
100
32.8
61.9
5.3
Not Disabled
78,293
100
22.7
72.4
4.9
Not Applicable
34,616
100
16.5
77.5
5.9
Spanish only language spoken
Spanish is not the only language
spoken
Spanish is only language spoken
Nativity
U.S.-born
Age Group
Disability Status
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
64
D-4 Transaction AFS Use In Last 12 Months By Banking Status And Household Characteristics, 2013
For all households, row percent
Characteristics
Number of
Households
(1000s)
Percent of
Households
Has Used (Percent)
Has Not Used
(Percent)
Unknown (Percent)
Education
No high school degree
13,871
100
36.0
58.7
5.3
High school degree
33,684
100
25.0
69.4
5.6
Some college
36,007
100
23.1
71.9
5.0
College degree
40,188
100
13.4
81.7
5.0
75,587
100
22.4
72.7
4.8
5,436
100
35.6
60.4
4.0
42,727
100
19.2
74.8
6.0
Less than $15,000
19,044
100
35.4
58.9
5.7
Between $15,000 and $30,000
21,763
100
29.1
65.1
5.9
Between $30,000 and $50,000
24,496
100
22.6
71.8
5.6
Between $50,000 and $75,000
22,552
100
17.9
77.2
4.9
At Least $75,000
35,895
100
12.5
83.1
4.4
Homeowner
80,136
100
14.7
80.4
4.9
Non-homeowner
43,614
100
35.2
59.1
5.8
Northeast
22,199
100
21.7
72.9
5.4
Midwest
27,315
100
18.0
76.9
5.1
South
46,738
100
25.6
69.2
5.2
West
27,498
100
19.5
75.4
5.1
Metropolitan area - Principal City
34,510
100
26.7
67.7
5.7
Metropolitan area - Balance
51,229
100
18.8
75.8
5.3
Not in Metropolitan area
19,325
100
22.3
73.1
4.6
Not Identified
18,686
100
21.0
74.4
4.5
Employment Status
Employed
Unemployed
Not in labor force
Family Income
Homeownership
Geographic Region
Metropolitan Status
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
65
D-5 AFS Credit Use In Last 12 Months By Banking Status And Household Characteristics, 2013
For all households, row percent
Characteristics
All
Number of
Households
(1000s)
Percent of
Households
Has Used (Percent)
Has Not Used
(Percent)
Unknown (Percent)
123,750
100
7.0
87.2
5.8
Unbanked
Unbanked
9,582
100
16.7
75.4
8.0
114,168
100
6.2
88.2
5.6
Married couple
59,102
100
5.2
89.9
4.9
Unmarried female-headed family
15,802
100
15.1
78.6
6.3
6,327
100
12.4
82.0
5.6
Female individual
22,150
100
5.3
88.0
6.7
Male individual
20,240
100
6.2
87.0
6.8
128
100
15.5
76.9
7.6
Black
16,801
100
13.6
77.9
8.5
Hispanic
9.4
84.2
6.4
Has bank account
Household Type
Unmarried male-headed family
Other
Race/Ethnicity
14,948
100
Asian
5,882
100
2.4
91.1
6.5
American Indian/Alaskan
1,464
100
12.3
82.6
5.1
Hawaiian/Pacific Islander
314
100
7.8
87.0
5.2
White non-Black non-Hispanic
84,310
100
5.5
89.4
5.1
Other non-Black non-Hispanic
NA
NA
NA
NA
NA
121,097
100
7.1
87.2
5.7
2,654
100
4.7
88.3
6.9
106,397
100
7.4
87.1
5.5
Foreign born citizen
9,252
100
3.8
88.9
7.3
Foreign born non citizen
8,102
100
6.0
87.1
6.8
15 to 24 years
6,244
100
12.5
82.5
4.9
25 to 34 years
20,464
100
10.7
84.0
5.3
35 to 44 years
21,408
100
9.6
84.9
5.5
45 to 54 years
24,551
100
8.1
86.2
5.7
55 to 64 years
22,710
100
5.0
89.7
5.2
65 years or more
28,372
100
1.9
91.2
6.9
Disabled
10,841
100
14.5
79.4
6.2
Not Disabled
78,293
100
7.4
87.2
5.3
Not Applicable
34,616
100
3.8
89.6
6.6
Spanish only language spoken
Spanish is not the only language
spoken
Spanish is only language spoken
Nativity
U.S.-born
Age Group
Disability Status
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
66
D-5 AFS Credit Use In Last 12 Months By Banking Status And Household Characteristics, 2013
For all households, row percent
Characteristics
Number of
Households
(1000s)
Percent of
Households
Has Used (Percent)
Has Not Used
(Percent)
Unknown (Percent)
Education
No high school degree
13,871
100
11.4
82.0
6.6
High school degree
33,684
100
8.6
85.1
6.3
Some college
36,007
100
8.8
85.7
5.5
College degree
40,188
100
2.7
92.1
5.2
75,587
100
7.2
87.5
5.3
5,436
100
16.0
78.8
5.2
42,727
100
5.6
87.8
6.6
Less than $15,000
19,044
100
11.4
82.0
6.6
Between $15,000 and $30,000
21,763
100
11.0
82.3
6.7
Between $30,000 and $50,000
24,496
100
8.1
85.6
6.3
Between $50,000 and $75,000
22,552
100
5.4
89.3
5.3
At Least $75,000
35,895
100
2.6
92.8
4.7
Homeowner
80,136
100
4.2
90.5
5.3
Non-homeowner
43,614
100
12.3
81.2
6.5
Northeast
22,199
100
4.3
90.0
5.7
Midwest
27,315
100
6.4
87.8
5.7
South
46,738
100
9.0
85.1
5.9
West
27,498
100
6.4
88.0
5.6
Metropolitan area - Principal City
34,510
100
7.9
85.9
6.2
Metropolitan area - Balance
51,229
100
5.5
88.5
6.0
Not in Metropolitan area
19,325
100
8.3
86.7
5.0
Not Identified
18,686
100
8.4
86.7
4.9
Employment Status
Employed
Unemployed
Not in labor force
Family Income
Homeownership
Geographic Region
Metropolitan Status
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
67
D-6 AFS Transaction And Credit Use In The Last 12 Months By Banking Status And Household
Characteristics, 2013
For all households, row percent
Characteristics
All
Used
Used Only Transaction
Did not use
Number of
Transaction and Credit Used Only any AFS in
Households Percent of
AFS
AFS
Credit AFS last year
(1000s) Households (Percent)
(Percent)
(Percent)
(Percent)
AFS Used
Type
Unknown
(Percent)
Use
Unknown
(Percent)
123,750
100
17.5
4.0
3.0
69.3
0.4
5.8
9,582
100
45.2
14.1
2.5
29.9
1.4
7.0
114,168
100
15.2
3.2
3.0
72.6
0.3
5.7
6,053
100
71.6
22.3
4.0
0.0
2.1
0.0
24,757
100
69.9
14.7
13.9
0.0
1.5
0.0
Married couple
59,102
100
14.7
2.7
2.5
74.7
0.3
5.2
Unmarried female-headed family
15,802
100
25.3
9.9
5.2
52.9
0.8
5.9
Unbanked
Unbanked
Has bank account
Banking Status and AFS Use in Last
12 Months
Unbanked and Used AFS in Last 12
Months
Underbanked (Banked and Used AFS
in Last 12 Months)
Household Type
Unmarried male-headed family
6,327
100
24.5
8.0
4.5
57.3
0.6
5.2
Female individual
22,150
100
15.5
2.8
2.4
72.0
0.4
6.8
Male individual
20,240
100
19.5
3.6
2.6
67.1
0.5
6.7
128
100
16.2
5.1
10.4
60.8
-
7.6
Black
16,801
100
31.5
9.4
4.1
45.8
1.1
8.1
Hispanic
14,948
100
30.2
5.9
3.5
53.6
0.7
6.1
Asian
5,882
100
15.9
1.2
1.3
74.5
0.3
6.8
American Indian/Alaskan
1,464
100
25.6
7.7
4.6
56.5
0.6
5.0
Other
Race/Ethnicity
Hawaiian/Pacific Islander
314
100
19.4
5.9
1.9
67.6
-
5.2
White non-Black non-Hispanic
84,310
100
12.4
2.8
2.8
76.6
0.2
5.3
Other non-Black non-Hispanic
NA
NA
NA
NA
NA
NA
NA
NA
121,097
100
17.0
4.0
3.0
69.8
0.4
5.8
2,654
100
39.8
3.8
1.0
48.2
1.7
5.5
Spanish only language spoken
Spanish is not the only language
spoken
Spanish is only language spoken
Nativity
U.S.-born
106,397
100
15.6
4.1
3.2
71.0
0.4
5.6
Foreign born citizen
9,252
100
22.4
2.1
1.7
65.9
0.7
7.1
Foreign born non citizen
8,102
100
36.1
4.6
1.4
50.3
0.7
6.9
15 to 24 years
6,244
100
28.8
8.3
4.2
53.5
0.2
5.0
25 to 34 years
20,464
100
22.4
6.6
4.0
61.2
0.6
5.2
35 to 44 years
21,408
100
19.6
5.4
4.2
65.0
0.4
5.4
45 to 54 years
24,551
100
18.1
4.7
3.4
67.6
0.5
5.7
55 to 64 years
22,710
100
15.6
2.5
2.5
73.6
0.4
5.4
65 years or more
28,372
100
10.8
0.9
1.0
79.8
0.3
7.1
Age Group
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
68
D-6 AFS Transaction And Credit Use In The Last 12 Months By Banking Status And Household
Characteristics, 2013
For all households, row percent
Characteristics
Used
Used Only Transaction
Did not use
Number of
Transaction and Credit Used Only any AFS in
Households Percent of
AFS
AFS
Credit AFS last year
(1000s) Households (Percent)
(Percent)
(Percent)
(Percent)
AFS Used
Type
Unknown
(Percent)
Use
Unknown
(Percent)
Education
No high school degree
13,871
100
27.3
7.9
3.4
54.4
0.7
6.2
High school degree
33,684
100
19.7
4.8
3.7
65.0
0.5
6.3
Some college
36,007
100
17.7
4.9
3.8
67.5
0.4
5.6
College degree
40,188
100
12.0
1.2
1.5
79.6
0.2
5.5
75,587
100
18.0
4.0
3.2
69.1
0.5
5.3
5,436
100
24.3
10.6
5.4
54.2
0.7
4.8
42,727
100
15.7
3.3
2.3
71.7
0.3
6.8
Less than $15,000
19,044
100
27.2
7.7
3.7
54.5
0.6
6.4
Between $15,000 and $30,000
21,763
100
21.4
7.0
4.0
60.5
0.7
6.4
Between $30,000 and $50,000
24,496
100
17.9
4.2
4.0
67.2
0.4
6.3
Between $50,000 and $75,000
22,552
100
15.2
2.3
3.0
73.6
0.4
5.4
At Least $75,000
35,895
100
11.0
1.2
1.3
81.2
0.2
5.0
Homeowner
80,136
100
12.5
1.8
2.3
77.5
0.3
5.5
Non-homeowner
43,614
100
26.6
8.0
4.2
54.2
0.6
6.4
Northeast
22,199
100
19.0
2.4
1.9
70.4
0.3
6.0
Midwest
27,315
100
14.2
3.5
2.9
73.2
0.4
5.8
South
46,738
100
19.8
5.4
3.6
64.9
0.6
5.8
West
27,498
100
15.7
3.6
2.8
71.9
0.3
5.7
Disabled
10,841
100
23.7
8.6
5.8
55.3
0.6
6.0
Not Disabled
78,293
100
18.1
4.2
3.2
68.7
0.4
5.4
Not Applicable
34,616
100
14.1
2.2
1.6
75.1
0.3
6.7
Employment Status
Employed
Unemployed
Not in labor force
Family Income
Homeownership
Geographic Region
Disability Status
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
69
D-7 Number Of Different Types Of AFS Used In The Last 12 Months By Banking Status And Household
Characteristics, 2013
For all households, row percent
Characteristics
All
Number of
Households
(1000s)
Percent of
Households
Used 0 AFS
(Percent)
Used 1 AFS
(Percent)
Used 2 AFS
(Percent)
Used 3 or
more AFS
(Percent)
123,750
100
69.3
16.4
5.4
2.5
6.4
Unknown
(Percent)
Unbanked
Unbanked
9,582
100
29.9
27.2
21.9
12.3
8.8
114,168
100
72.6
15.5
4.1
1.7
6.2
Married couple
59,102
100
74.7
14.0
3.9
1.8
5.6
Unmarried female-headed family
15,802
100
52.9
22.6
11.4
6.2
6.9
6,327
100
57.3
22.0
9.6
4.9
6.2
Female individual
22,150
100
72.0
15.2
4.1
1.4
7.2
Male individual
20,240
100
67.1
17.9
5.6
2.2
7.2
128
100
60.8
26.5
1.3
3.8
7.6
Black
16,801
100
45.8
27.3
11.4
6.1
9.4
Hispanic
11.2
5.6
7.1
Has bank account
Household Type
Unmarried male-headed family
Other
Race/Ethnicity
14,948
100
53.6
22.6
Asian
5,882
100
74.5
14.4
3.0
0.9
7.2
American Indian/Alaskan
1,464
100
56.5
22.5
10.9
4.5
5.7
Hawaiian/Pacific Islander
314
100
67.6
14.3
6.7
5.8
5.6
White non-Black non-Hispanic
84,310
100
76.6
13.2
3.3
1.3
5.6
Other non-Black non-Hispanic
NA
NA
NA
NA
NA
NA
NA
121,097
100
69.8
16.3
5.2
2.4
6.3
2,654
100
48.2
20.7
15.0
8.6
7.5
106,397
100
71.0
15.7
4.9
2.3
6.1
Foreign born citizen
9,252
100
65.9
17.9
5.9
2.2
8.1
Foreign born non citizen
8,102
100
50.3
23.3
12.1
6.3
8.1
15 to 24 years
6,244
100
53.5
24.1
11.9
5.2
5.4
25 to 34 years
20,464
100
61.2
20.1
8.4
4.4
6.0
35 to 44 years
21,408
100
65.0
18.2
7.4
3.4
6.0
45 to 54 years
24,551
100
67.6
17.5
5.6
3.0
6.4
55 to 64 years
22,710
100
73.6
15.3
3.8
1.3
5.9
65 years or more
28,372
100
79.8
10.6
1.6
0.5
7.5
Disabled
10,841
100
55.3
23.8
9.4
4.8
6.8
Not Disabled
78,293
100
68.7
16.8
5.8
2.7
6.0
Not Applicable
34,616
100
75.1
13.0
3.4
1.3
7.1
Spanish only language spoken
Spanish is not the only language
spoken
Spanish is only language spoken
Nativity
U.S.-born
Age Group
Disability Status
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
70
D-7 Number Of Different Types Of AFS Used In The Last 12 Months By Banking Status And Household
Characteristics, 2013
For all households, row percent
Number of
Households
(1000s)
Percent of
Households
Used 0 AFS
(Percent)
Used 1 AFS
(Percent)
Used 2 AFS
(Percent)
No high school degree
13,871
100
54.4
21.4
10.8
6.2
7.2
High school degree
33,684
100
65.0
18.4
6.7
3.0
6.9
Some college
36,007
100
67.5
17.9
5.7
2.8
6.1
College degree
40,188
100
79.6
11.6
2.2
0.6
5.9
75,587
100
69.1
16.9
5.6
2.5
5.9
5,436
100
54.2
22.6
10.2
7.2
5.9
42,727
100
71.7
14.6
4.6
1.9
7.2
Less than $15,000
19,044
100
54.5
23.0
10.3
5.0
7.3
Between $15,000 and $30,000
21,763
100
60.5
19.6
8.0
4.7
7.2
Between $30,000 and $50,000
24,496
100
67.2
17.3
6.0
2.7
6.9
Between $50,000 and $75,000
22,552
100
73.6
15.3
3.7
1.4
6.0
At Least $75,000
35,895
100
81.2
10.9
2.0
0.5
5.3
Homeowner
80,136
100
77.5
12.7
2.9
1.0
5.9
Non-homeowner
43,614
100
54.2
23.2
10.2
5.3
7.2
Northeast
22,199
100
70.4
16.6
5.1
1.5
6.4
Midwest
27,315
100
73.2
14.1
4.3
2.0
6.3
South
46,738
100
64.9
18.8
6.5
3.3
6.5
West
27,498
100
71.9
14.3
5.1
2.4
6.2
Metropolitan area - Principal City
34,510
100
64.1
18.3
7.0
3.7
6.8
Metropolitan area - Balance
51,229
100
72.7
14.6
4.3
1.8
6.5
Not in Metropolitan area
19,325
100
68.6
17.8
5.6
2.1
5.8
Not Identified
18,686
100
70.1
16.3
5.4
2.6
5.6
Characteristics
Used 3 or
more AFS
(Percent)
Unknown
(Percent)
Education
Employment Status
Employed
Unemployed
Not in labor force
Family Income
Homeownership
Geographic Region
Metropolitan Status
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
71
D-8 Types Of AFS, Recency Of Use By Banking Status, 2013
For all households, column percent
Characteristics
Number of Households (1000s)
All
Unbanked
Has bank account
123,750
9,582
114,168
100
100
100
in last 30 days
12.0
47.0
9.1
Not in last 30 days but in last 12 months
12.9
16.2
12.6
Not in last 12 months
14.4
10.7
14.7
Never Used
55.3
19.9
58.2
5.4
6.2
5.3
in last 30 days
7.8
33.2
5.7
Not in last 30 days but in last 12 months
Percent of Households
Recency of AFS Products (Percent)
Use Unknown
Money Order Use (Percent)
9.4
14.1
9.0
Not in last 12 months
10.9
9.7
11.0
Never Used
67.1
36.7
69.7
4.7
6.3
4.6
in last 30 days
3.4
24.3
1.7
Not in last 30 days but in last 12 months
3.1
11.6
2.4
Not in last 12 months
5.4
12.3
4.8
83.5
45.9
86.7
4.5
5.9
4.4
in last 30 days
1.6
4.9
1.3
Not in last 30 days but in last 12 months
2.1
4.3
1.9
Not in last 12 months
1.9
3.8
1.8
89.5
80.7
90.3
4.9
6.4
4.7
in last 30 days
0.8
0.8
0.8
Not in last 30 days but in last 12 months
1.2
1.9
1.1
Not in last 12 months
2.6
6.3
2.3
90.4
84.0
91.0
5.0
7.0
4.8
in last 30 days
0.7
3.0
0.5
Not in last 30 days but in last 12 months
2.2
6.9
1.8
Not in last 12 months
4.5
10.2
4.1
87.6
72.9
88.8
5.0
7.1
4.8
Use Unknown
Check Casher Use (Percent)
Never Used
Use Unknown
Remittance Use (Percent)
Never Used
Use Unknown
Payday Loan Use (Percent)
Never Used
Use Unknown
Pawn Shop Use (Percent)
Never Used
Use Unknown
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
72
D-8 Types Of AFS, Recency Of Use By Banking Status, 2013
For all households, column percent
Characteristics
All
Unbanked
Has bank account
Rent-to-Own Use (Percent)
in last 30 days
0.7
2.0
0.6
Not in last 30 days but in last 12 months
0.8
2.5
0.6
Not in last 12 months
3.1
8.0
2.7
90.2
80.3
91.1
5.2
7.2
5.0
1.8
3.8
1.6
Never Used
Use Unknown
Refund Anticipation Loan Use (Percent)
Not in last 30 days but in last 12 months
Not in last 12 months
2.9
5.6
2.7
90.0
83.3
90.6
5.3
7.3
5.1
in last 30 days
0.3
0.5
0.3
Not in last 30 days but in last 12 months
0.5
1.2
0.5
Not in last 12 months
1.8
3.0
1.7
92.0
88.1
92.4
5.3
7.2
5.1
Never Used
Use Unknown
Auto Title Loan Use (Percent)
Never Used
Use Unknown
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than
zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
73
D-9a Non-Bank Money Orders Recency Of Use By Banking Status And Household Characteristics, 2013
For all households, row percent
Used: Not in
last 30 days Used: Not in
Used: in last but in last 12
last 12
30 days
months
months
(Percent)
(Percent)
(Percent)
Number of
Households
(1000s)
Percent of
Households
123,750
100
7.8
9.4
10.9
67.1
4.7
9,582
100
33.2
14.1
9.7
36.7
6.3
114,168
100
5.7
9.0
11.0
69.7
4.6
6,053
100
52.6
22.3
6.8
17.7
0.6
24,757
100
26.3
41.7
7.3
24.6
0.2
Married couple
59,102
100
5.0
8.3
10.5
72.0
4.1
Unmarried female-headed family
15,802
100
16.3
13.6
10.7
54.5
4.8
Characteristics
All
Never Used
(Percent)
Use
Unknown
(Percent)
Unbanked
Unbanked
Has bank account
Banking Status and AFS Use in Last
12 Months
Unbanked and Used AFS in Last 12
Months
Underbanked (Banked and Used AFS
in Last 12 Months)
Household Type
Unmarried male-headed family
6,327
100
12.4
11.6
10.2
61.6
4.2
Female individual
22,150
100
7.1
8.7
11.6
67.0
5.5
Male individual
20,240
100
8.9
9.5
11.5
64.4
5.7
128
100
6.2
7.7
18.3
60.2
7.6
Black
16,801
100
19.5
16.2
11.6
46.0
6.8
Hispanic
14,948
100
15.3
11.6
7.5
60.3
5.2
Asian
5,882
100
2.0
6.9
7.2
78.1
5.7
American Indian/Alaskan
1,464
100
11.8
15.2
15.1
54.7
3.1
Other
Race/Ethnicity
Hawaiian/Pacific Islander
314
100
12.9
10.2
3.7
69.5
3.7
White non-Black non-Hispanic
84,310
100
4.5
7.8
11.6
72.0
4.2
Other non-Black non-Hispanic
NA
NA
NA
NA
NA
NA
NA
121,097
100
7.5
9.5
11.0
67.3
4.7
2,654
100
21.4
7.8
7.6
58.8
4.4
7.4
9.4
11.6
67.0
4.6
Spanish only language spoken
Spanish is not the only language
spoken
Spanish is only language spoken
Nativity
U.S.-born
106,397
100
Foreign born citizen
9,252
100
5.8
9.1
7.0
71.9
6.2
Foreign born non citizen
8,102
100
15.4
10.3
6.4
62.4
5.4
15 to 24 years
6,244
100
15.4
14.0
7.1
59.3
4.1
25 to 34 years
20,464
100
10.8
11.7
11.2
61.9
4.4
35 to 44 years
21,408
100
8.7
11.2
11.2
64.2
4.7
45 to 54 years
24,551
100
8.4
9.9
11.3
65.7
4.6
55 to 64 years
22,710
100
6.2
8.6
11.9
69.0
4.3
65 years or more
28,372
100
4.1
5.8
10.0
74.5
5.6
Age Group
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
74
D-9a Non-Bank Money Orders Recency Of Use By Banking Status And Household Characteristics, 2013
For all households, row percent
Used: Not in
last 30 days Used: Not in
Used: in last but in last 12
last 12
30 days
months
months
(Percent)
(Percent)
(Percent)
Number of
Households
(1000s)
Percent of
Households
No high school degree
13,871
100
16.6
10.8
9.4
58.2
5.0
High school degree
33,684
100
10.0
9.9
10.7
64.1
5.2
Some college
36,007
100
8.2
10.2
11.6
65.4
4.5
College degree
40,188
100
2.6
7.8
10.9
74.2
4.5
75,587
100
7.5
9.7
11.0
67.4
4.4
5,436
100
14.6
14.4
11.1
56.2
3.7
42,727
100
7.6
8.3
10.7
68.0
5.4
Less than $15,000
19,044
100
16.9
11.7
10.5
55.6
5.3
Between $15,000 and $30,000
21,763
100
12.7
10.8
10.7
60.4
5.4
Between $30,000 and $50,000
24,496
100
7.6
9.8
11.3
66.1
5.1
Between $50,000 and $75,000
22,552
100
4.6
9.3
11.6
70.1
4.4
At Least $75,000
35,895
100
2.3
7.2
10.5
76.1
4.0
Homeowner
80,136
100
3.8
7.5
11.0
73.2
4.4
Non-homeowner
43,614
100
15.2
13.0
10.7
55.8
5.3
Northeast
22,199
100
6.7
10.5
11.9
66.0
4.9
Midwest
27,315
100
6.8
7.5
10.4
70.8
4.5
South
46,738
100
9.7
10.9
11.4
63.1
4.8
West
27,498
100
6.6
8.0
9.7
71.0
4.6
Disabled
10,841
100
15.1
12.5
13.2
54.2
4.9
Not Disabled
78,293
100
7.6
10.0
11.2
66.8
4.4
Not Applicable
34,616
100
6.2
7.3
9.5
71.7
5.3
Characteristics
Never Used
(Percent)
Use
Unknown
(Percent)
Education
Employment Status
Employed
Unemployed
Not in labor force
Family Income
Homeownership
Geographic Region
Disability Status
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
75
D-9b Non-Bank Money Orders Recency Of Use And Location By Banking Status, 2013
For all households that used non-bank money orders in the last 12 months, column percent
Characteristics
Number of Households (1000s)
All
Unbanked
Banked: Underbanked
21,371
4,537
16,834
100
100
100
Used in last 30 days
45.4
70.2
38.7
Used but not in last 30 days
54.3
29.8
60.9
0.4
-
0.5
Post Office
29.7
19.6
32.4
Large retail or department store
19.3
21.6
18.7
Grocery, liquor, convenience, or drug store
37.8
38.1
37.7
Stand alone non-bank financial services store
11.0
18.4
9.0
2.2
2.3
2.2
Percent of Households
Money Order, Last 30 Days (Percent)
Unknown
Money Order Typical Location Used (Percent)
Other/Unknown
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
76
D-10a Non-Bank Check Cashing Recency Of Use By Banking Status And Household Characteristics, 2013
For all households, row percent
Used: Not in
last 30 days Used: Not in
Used: in last but in last 12
last 12
30 days
months
months
(Percent)
(Percent)
(Percent)
Number of
Households
(1000s)
Percent of
Households
123,750
100
3.4
3.1
5.4
83.5
4.5
9,582
100
24.3
11.6
12.3
45.9
5.9
114,168
100
1.7
2.4
4.8
86.7
4.4
6,053
100
38.5
18.3
11.6
31.5
0.2
24,757
100
7.7
11.1
7.7
73.3
0.2
Married couple
59,102
100
2.3
1.9
4.4
87.3
4.1
Unmarried female-headed family
15,802
100
6.5
6.8
7.0
75.1
4.6
Characteristics
All
Never Used
(Percent)
Use
Unknown
(Percent)
Unbanked
Unbanked
Has bank account
Banking Status and AFS Use in Last
12 Months
Unbanked and Used AFS in Last 12
Months
Underbanked (Banked and Used AFS
in Last 12 Months)
Household Type
Unmarried male-headed family
6,327
100
7.4
5.4
6.6
76.8
3.8
Female individual
22,150
100
2.4
2.6
5.0
84.9
5.1
Male individual
20,240
100
4.2
3.6
6.9
79.8
5.5
128
100
7.0
1.6
3.8
80.0
7.6
Black
16,801
100
6.7
6.3
8.8
71.5
6.6
Hispanic
14,948
100
7.7
3.9
5.9
77.5
4.9
Asian
5,882
100
1.2
1.2
2.5
89.6
5.6
American Indian/Alaskan
1,464
100
8.9
5.0
6.1
77.1
2.9
Other
Race/Ethnicity
Hawaiian/Pacific Islander
314
100
2.7
6.2
0.8
87.6
2.7
White non-Black non-Hispanic
84,310
100
2.1
2.4
4.8
86.7
4.0
Other non-Black non-Hispanic
NA
NA
NA
NA
NA
NA
NA
121,097
100
3.2
3.1
5.3
83.9
4.6
2,654
100
14.0
4.5
8.8
68.9
3.9
Spanish only language spoken
Spanish is not the only language
spoken
Spanish is only language spoken
Nativity
U.S.-born
106,397
100
3.0
3.1
5.5
84.0
4.4
Foreign born citizen
9,252
100
2.7
2.2
3.9
85.4
5.8
Foreign born non citizen
8,102
100
9.2
3.9
5.7
75.7
5.5
15 to 24 years
6,244
100
8.0
7.3
7.4
73.2
4.1
25 to 34 years
20,464
100
5.9
4.7
6.6
78.6
4.2
35 to 44 years
21,408
100
3.8
3.7
6.2
81.7
4.6
45 to 54 years
24,551
100
3.7
2.9
4.9
84.0
4.5
55 to 64 years
22,710
100
2.0
2.5
4.7
86.6
4.1
65 years or more
28,372
100
1.2
1.3
4.3
88.0
5.3
Age Group
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
77
D-10a Non-Bank Check Cashing Recency Of Use By Banking Status And Household Characteristics, 2013
For all households, row percent
Used: Not in
last 30 days Used: Not in
Used: in last but in last 12
last 12
30 days
months
months
(Percent)
(Percent)
(Percent)
Number of
Households
(1000s)
Percent of
Households
No high school degree
13,871
100
9.1
4.7
7.5
73.7
5.0
High school degree
33,684
100
4.2
4.2
6.0
80.8
4.9
Some college
36,007
100
3.3
3.4
5.8
83.2
4.3
College degree
40,188
100
0.9
1.4
3.8
89.6
4.3
75,587
100
3.6
2.9
5.2
84.1
4.2
5,436
100
7.0
7.8
7.5
73.8
3.9
42,727
100
2.7
3.0
5.4
83.8
5.2
Less than $15,000
19,044
100
7.5
6.6
8.3
72.8
4.9
Between $15,000 and $30,000
21,763
100
5.8
4.2
6.0
78.7
5.3
Between $30,000 and $50,000
24,496
100
3.5
3.0
5.4
83.2
4.9
Between $50,000 and $75,000
22,552
100
1.7
2.1
4.9
86.8
4.4
At Least $75,000
35,895
100
0.8
1.3
3.7
90.4
3.8
Homeowner
80,136
100
1.6
1.9
4.3
88.0
4.3
Non-homeowner
43,614
100
6.9
5.4
7.3
75.4
5.0
Northeast
22,199
100
2.8
2.9
5.1
84.6
4.6
Midwest
27,315
100
3.1
2.8
5.6
84.1
4.5
South
46,738
100
4.0
3.8
6.0
81.4
4.7
West
27,498
100
3.2
2.4
4.2
85.7
4.4
Disabled
10,841
100
5.1
5.9
7.5
76.9
4.6
Not Disabled
78,293
100
3.6
3.1
5.3
83.7
4.3
Not Applicable
34,616
100
2.4
2.4
4.8
85.3
5.1
Characteristics
Never Used
(Percent)
Use
Unknown
(Percent)
Education
Employment Status
Employed
Unemployed
Not in labor force
Family Income
Homeownership
Geographic Region
Disability Status
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
78
D-10b Non-Bank Check Cashing Recency Of Use And Location By Banking Status, 2013
For all households that used non-bank check cashing in the last 12 months, column percent
Characteristics
Number of Households (1000s)
All
Unbanked
Banked: Underbanked
8,089
3,437
4,653
100
100
100
Used in last 30 days
52.3
67.8
40.9
Used but not in last 30 days
47.1
31.5
58.6
0.6
0.7
0.4
Large retail or department store
31.4
30.2
32.3
Grocery, liquor, convenience, or drug store
37.8
36.1
39.1
Stand alone non-bank financial services store
24.3
29.3
20.6
6.5
4.4
8.0
Percent of Households
Check Casher, Last 30 Days (Percent)
Unknown
Check Casher Typical Location Used (Percent)
Unknown Location
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
79
D-11a Non-Bank Remittances Recency Of Use By Banking Status And Household Characteristics, 2013
For all households, row percent
Used: Not in
last 30 days Used: Not in
Used: in last but in last 12
last 12
30 days
months
months
(Percent)
(Percent)
(Percent)
Number of
Households
(1000s)
Percent of
Households
123,750
100
1.6
2.1
1.9
89.5
4.9
9,582
100
4.9
4.3
3.8
80.7
6.4
114,168
100
1.3
1.9
1.8
90.3
4.7
6,053
100
7.8
6.8
4.4
80.2
0.9
24,757
100
6.2
8.7
2.8
81.8
0.5
Married couple
59,102
100
1.8
2.4
1.9
89.7
4.2
Unmarried female-headed family
15,802
100
2.1
2.4
2.6
88.1
4.8
Characteristics
All
Never Used
(Percent)
Use
Unknown
(Percent)
Unbanked
Unbanked
Has bank account
Banking Status and AFS Use in Last
12 Months
Unbanked and Used AFS in Last 12
Months
Underbanked (Banked and Used AFS
in Last 12 Months)
Household Type
Unmarried male-headed family
6,327
100
3.4
3.1
2.3
86.9
4.3
Female individual
22,150
100
0.6
1.0
1.6
91.0
5.9
Male individual
20,240
100
1.4
1.7
1.8
89.3
5.8
128
100
1.7
0.8
5.6
84.3
7.6
Black
16,801
100
2.2
3.2
3.0
84.6
7.0
Hispanic
14,948
100
7.4
6.7
3.6
76.5
5.8
Asian
5,882
100
3.6
6.0
2.7
81.8
5.9
American Indian/Alaskan
1,464
100
1.6
1.2
1.9
92.1
3.1
Other
Race/Ethnicity
Hawaiian/Pacific Islander
314
100
1.0
3.8
3.6
87.5
4.2
White non-Black non-Hispanic
84,310
100
0.3
0.8
1.3
93.3
4.2
Other non-Black non-Hispanic
NA
NA
NA
NA
NA
NA
NA
121,097
100
1.3
1.9
1.9
90.1
4.8
2,654
100
15.6
11.1
4.3
63.5
5.5
0.5
0.9
1.6
92.5
4.6
Spanish only language spoken
Spanish is not the only language
spoken
Spanish is only language spoken
Nativity
U.S.-born
106,397
100
Foreign born citizen
9,252
100
6.1
8.1
3.8
75.6
6.3
Foreign born non citizen
8,102
100
11.9
11.2
4.3
66.4
6.3
15 to 24 years
6,244
100
2.3
2.9
2.4
88.0
4.4
25 to 34 years
20,464
100
2.6
2.9
2.6
87.2
4.6
35 to 44 years
21,408
100
2.5
3.1
1.9
87.9
4.7
45 to 54 years
24,551
100
1.8
2.3
2.1
89.1
4.7
55 to 64 years
22,710
100
1.1
1.5
1.6
91.5
4.3
65 years or more
28,372
100
0.3
0.8
1.5
91.5
5.8
Age Group
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
80
D-11a Non-Bank Remittances Recency Of Use By Banking Status And Household Characteristics, 2013
For all households, row percent
Used: Not in
last 30 days Used: Not in
Used: in last but in last 12
last 12
30 days
months
months
(Percent)
(Percent)
(Percent)
Number of
Households
(1000s)
Percent of
Households
No high school degree
13,871
100
4.7
4.3
2.8
82.9
5.3
High school degree
33,684
100
1.5
1.8
1.5
90.0
5.2
Some college
36,007
100
1.2
1.9
2.1
90.2
4.7
College degree
40,188
100
1.1
1.7
1.8
90.8
4.6
75,587
100
2.2
2.5
1.9
88.9
4.5
5,436
100
1.4
2.3
3.5
89.1
3.8
42,727
100
0.7
1.3
1.7
90.8
5.6
Less than $15,000
19,044
100
1.7
2.0
2.2
88.5
5.5
Between $15,000 and $30,000
21,763
100
2.1
2.5
2.2
87.6
5.6
Between $30,000 and $50,000
24,496
100
2.2
2.4
2.0
88.1
5.2
Between $50,000 and $75,000
22,552
100
1.4
2.2
1.8
90.1
4.5
At Least $75,000
35,895
100
1.0
1.5
1.6
91.8
4.0
Homeowner
80,136
100
1.0
1.4
1.6
91.5
4.5
Non-homeowner
43,614
100
2.8
3.3
2.5
85.8
5.5
Northeast
22,199
100
1.8
2.5
1.8
88.9
5.0
Midwest
27,315
100
0.9
1.3
1.6
91.5
4.7
South
46,738
100
1.8
2.0
2.0
89.4
5.0
West
27,498
100
2.0
2.7
2.2
88.3
4.8
Disabled
10,841
100
0.7
1.3
2.0
91.0
4.9
Not Disabled
78,293
100
2.2
2.6
2.0
88.7
4.5
Not Applicable
34,616
100
0.7
1.2
1.6
90.9
5.6
Characteristics
Never Used
(Percent)
Use
Unknown
(Percent)
Education
Employment Status
Employed
Unemployed
Not in labor force
Family Income
Homeownership
Geographic Region
Disability Status
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
81
D-11b Non-Bank Remittances Recency Of Use And Location By Banking Status, 2013
For all households that used non-bank remittances in last 12 months, column percent
Characteristics
Number of Households (1000s)
All
Unbanked
Banked: Underbanked
4,573
879
3,694
100
100
100
Used in last 30 days
43.9
53.4
41.7
Used but not in last 30 days
55.0
45.2
57.3
1.1
1.4
1.1
Large retail or department store
19.0
15.5
19.9
Grocery, liquor, convenience, or drug store
32.9
37.9
31.7
Stand alone non-bank financial services store
26.3
36.4
23.9
Mobile Phone
1.2
0.6
1.3
Online through Computer
6.9
0.5
8.5
13.7
9.1
14.8
Percent of Households
Remittance, Last 30 Days (Percent)
Unknown
Remittance Typical Location Used (Percent)
Other/Unknown
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
82
D-12a Payday Loan Recency Of Use By Banking Status And Household Characteristics, 2013
For all households, row percent
Used: Not in
last 30 days Used: Not in
Used: in last but in last 12
last 12
30 days
months
months
(Percent)
(Percent)
(Percent)
Number of
Households
(1000s)
Percent of
Households
123,750
100
0.8
1.2
2.6
90.4
5.0
9,582
100
0.8
1.9
6.3
84.0
7.0
114,168
100
0.8
1.1
2.3
91.0
4.8
6,053
100
1.3
3.0
8.6
85.7
1.4
24,757
100
3.7
5.1
5.9
84.6
0.8
Married couple
59,102
100
0.6
0.8
2.0
92.3
4.3
Unmarried female-headed family
15,802
100
1.5
2.7
5.1
85.4
5.3
Characteristics
All
Never Used
(Percent)
Use
Unknown
(Percent)
Unbanked
Unbanked
Has bank account
Banking Status and AFS Use in Last
12 Months
Unbanked and Used AFS in Last 12
Months
Underbanked (Banked and Used AFS
in Last 12 Months)
Household Type
Unmarried male-headed family
6,327
100
1.0
1.7
4.4
88.2
4.8
Female individual
22,150
100
0.7
0.9
2.2
90.4
5.8
Male individual
20,240
100
0.9
1.1
2.6
89.6
5.9
128
100
-
3.9
-
88.5
7.6
Black
16,801
100
1.8
2.6
5.4
82.8
7.3
Hispanic
14,948
100
1.1
1.8
2.2
89.1
5.8
Asian
5,882
100
0.2
0.1
0.7
93.1
5.9
American Indian/Alaskan
1,464
100
2.0
0.8
5.3
88.7
3.1
Other
Race/Ethnicity
Hawaiian/Pacific Islander
314
100
1.8
-
3.9
88.7
5.6
White non-Black non-Hispanic
84,310
100
0.6
0.9
2.2
92.0
4.3
Other non-Black non-Hispanic
NA
NA
NA
NA
NA
NA
NA
121,097
100
0.8
1.2
2.7
90.4
5.0
2,654
100
0.5
0.6
0.8
92.4
5.7
Spanish only language spoken
Spanish is not the only language
spoken
Spanish is only language spoken
Nativity
U.S.-born
106,397
100
0.8
1.2
2.9
90.2
4.7
Foreign born citizen
9,252
100
0.5
0.6
0.8
91.6
6.6
Foreign born non citizen
8,102
100
0.6
1.0
0.7
91.3
6.4
15 to 24 years
6,244
100
0.9
2.1
1.9
91.1
4.1
25 to 34 years
20,464
100
1.2
1.8
3.6
88.6
4.7
35 to 44 years
21,408
100
1.0
1.6
4.5
88.0
4.9
45 to 54 years
24,551
100
0.9
1.4
2.7
90.1
4.9
55 to 64 years
22,710
100
0.6
0.9
2.3
91.8
4.4
65 years or more
28,372
100
0.4
0.3
0.9
92.5
5.9
Age Group
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
83
D-12a Payday Loan Recency Of Use By Banking Status And Household Characteristics, 2013
For all households, row percent
Used: Not in
last 30 days Used: Not in
Used: in last but in last 12
last 12
30 days
months
months
(Percent)
(Percent)
(Percent)
Number of
Households
(1000s)
Percent of
Households
No high school degree
13,871
100
1.0
1.4
2.9
89.2
5.6
High school degree
33,684
100
1.0
1.4
2.8
89.5
5.4
Some college
36,007
100
1.1
1.7
3.8
88.6
4.8
College degree
40,188
100
0.3
0.5
1.4
93.2
4.6
75,587
100
0.9
1.3
2.7
90.5
4.7
5,436
100
0.9
2.3
5.8
87.1
3.9
42,727
100
0.7
0.8
2.1
90.7
5.7
Less than $15,000
19,044
100
1.0
1.2
3.5
88.8
5.5
Between $15,000 and $30,000
21,763
100
1.2
2.0
3.2
87.7
5.9
Between $30,000 and $50,000
24,496
100
1.2
1.5
3.2
88.6
5.5
Between $50,000 and $75,000
22,552
100
0.7
1.0
2.7
91.0
4.5
At Least $75,000
35,895
100
0.2
0.6
1.4
93.8
4.0
Homeowner
80,136
100
0.4
0.6
1.7
92.7
4.6
Non-homeowner
43,614
100
1.5
2.1
4.4
86.2
5.7
Northeast
22,199
100
0.1
0.3
1.0
93.6
5.0
Midwest
27,315
100
0.9
1.2
3.1
89.8
4.9
South
46,738
100
1.0
1.5
2.8
89.6
5.1
West
27,498
100
0.8
1.3
3.2
89.8
4.8
Disabled
10,841
100
1.6
2.2
5.0
86.1
5.2
Not Disabled
78,293
100
0.8
1.3
3.0
90.2
4.7
Not Applicable
34,616
100
0.4
0.6
1.1
92.3
5.6
Characteristics
Never Used
(Percent)
Use
Unknown
(Percent)
Education
Employment Status
Employed
Unemployed
Not in labor force
Family Income
Homeownership
Geographic Region
Disability Status
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
84
D-12b Payday Loan Recency Of Use And Use Of Internet Payday Loans By Banking Status, 2013
For all households that used payday loans in the last 12 months, column percent
Characteristics
Number of Households (1000s)
All
Unbanked
Banked: Underbanked
2,439
259
2,180
100
100
100
Used in last 30 days
40.5
29.2
41.8
Used but not in last 30 days
59.2
70.8
57.8
0.3
-
0.4
Taken out Online Payday Loan
15.5
12.2
15.8
Has not taken out online payday loan
84.4
87.8
84.0
0.2
-
0.2
Percent of Households
Payday Loan, Last 30 Days (Percent)
Unknown
Online Payday Loan Use (Percent)
Unknown
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
85
D-13a Pawn Shop Recency Of Use By Banking Status And Household Characteristics, 2013
For all households, row percent
Used: Not in
last 30 days Used: Not in
Used: in last but in last 12
last 12
30 days
months
months
(Percent)
(Percent)
(Percent)
Number of
Households
(1000s)
Percent of
Households
123,750
100
0.7
2.2
4.5
87.6
5.0
9,582
100
3.0
6.9
10.2
72.9
7.1
114,168
100
0.5
1.8
4.1
88.8
4.8
6,053
100
4.7
10.9
12.5
70.6
1.4
24,757
100
2.3
8.3
9.1
79.6
0.7
Married couple
59,102
100
0.5
1.5
3.3
90.4
4.3
Unmarried female-headed family
15,802
100
1.5
4.9
6.7
81.6
5.2
Characteristics
All
Never Used
(Percent)
Use
Unknown
(Percent)
Unbanked
Unbanked
Has bank account
Banking Status and AFS Use in Last
12 Months
Unbanked and Used AFS in Last 12
Months
Underbanked (Banked and Used AFS
in Last 12 Months)
Household Type
Unmarried male-headed family
6,327
100
1.9
3.5
7.4
82.7
4.5
Female individual
22,150
100
0.3
1.7
4.5
87.6
5.9
Male individual
20,240
100
0.7
2.1
5.6
85.6
6.0
128
100
7.8
1.6
-
83.1
7.6
Black
16,801
100
1.5
3.6
6.7
80.8
7.4
Hispanic
14,948
100
0.9
3.2
5.1
85.2
5.7
Asian
5,882
100
0.1
0.4
0.8
92.9
5.8
American Indian/Alaskan
1,464
100
1.9
5.4
8.6
80.7
3.4
Other
Race/Ethnicity
Hawaiian/Pacific Islander
314
100
0.8
1.6
10.0
82.0
5.6
White non-Black non-Hispanic
84,310
100
0.5
1.8
4.2
89.1
4.4
Other non-Black non-Hispanic
NA
NA
NA
NA
NA
NA
NA
121,097
100
0.7
2.2
4.6
87.6
5.0
2,654
100
0.5
1.7
3.1
88.6
6.1
Spanish only language spoken
Spanish is not the only language
spoken
Spanish is only language spoken
Nativity
U.S.-born
106,397
100
0.7
2.3
4.9
87.2
4.8
Foreign born citizen
9,252
100
0.4
0.9
1.6
90.4
6.7
Foreign born non citizen
8,102
100
0.4
2.1
2.5
88.9
6.2
15 to 24 years
6,244
100
1.3
4.6
4.8
85.3
4.1
25 to 34 years
20,464
100
1.1
2.9
5.4
85.8
4.7
35 to 44 years
21,408
100
0.9
2.8
5.5
85.9
4.9
45 to 54 years
24,551
100
0.9
2.9
5.3
86.1
4.9
55 to 64 years
22,710
100
0.5
1.7
4.6
88.6
4.6
65 years or more
28,372
100
0.1
0.4
2.4
91.1
6.0
Age Group
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
86
D-13a Pawn Shop Recency Of Use By Banking Status And Household Characteristics, 2013
For all households, row percent
Used: Not in
last 30 days Used: Not in
Used: in last but in last 12
last 12
30 days
months
months
(Percent)
(Percent)
(Percent)
Number of
Households
(1000s)
Percent of
Households
No high school degree
13,871
100
1.5
4.2
6.1
82.6
5.6
High school degree
33,684
100
0.8
2.6
5.0
86.1
5.5
Some college
36,007
100
0.8
2.7
6.0
85.8
4.8
College degree
40,188
100
0.2
0.7
2.3
92.1
4.6
75,587
100
0.5
2.0
4.3
88.6
4.6
5,436
100
3.0
6.4
8.6
78.0
4.1
42,727
100
0.7
2.0
4.5
86.9
5.8
Less than $15,000
19,044
100
1.9
4.7
7.2
80.3
5.9
Between $15,000 and $30,000
21,763
100
1.1
3.5
6.4
83.3
5.7
Between $30,000 and $50,000
24,496
100
0.6
2.3
4.6
87.1
5.5
Between $50,000 and $75,000
22,552
100
0.3
1.3
3.8
90.0
4.5
At Least $75,000
35,895
100
0.1
0.5
2.4
92.9
4.1
Homeowner
80,136
100
0.3
1.2
3.2
90.6
4.6
Non-homeowner
43,614
100
1.3
3.9
6.9
82.1
5.7
Northeast
22,199
100
0.4
1.5
2.8
90.3
5.1
Midwest
27,315
100
0.6
1.9
4.3
88.5
4.8
South
46,738
100
0.9
2.8
5.5
85.7
5.2
West
27,498
100
0.7
2.0
4.7
87.7
5.0
Disabled
10,841
100
2.1
5.2
10.2
77.1
5.4
Not Disabled
78,293
100
0.7
2.2
4.5
87.9
4.7
Not Applicable
34,616
100
0.3
1.2
2.8
90.1
5.7
Characteristics
Never Used
(Percent)
Use
Unknown
(Percent)
Education
Employment Status
Employed
Unemployed
Not in labor force
Family Income
Homeownership
Geographic Region
Disability Status
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
D-13b Pawn Shop Recency Of Use By Banking Status, 2013
For all households that used pawn shops in the last 12 months, column percent
Characteristics
Number of Households (1000s)
All
Unbanked
Banked: Underbanked
3,560
944
2,615
100
100
100
Used in last 30 days
24.0
30.4
21.7
Used but not in last 30 days
75.8
69.6
78.0
0.2
-
0.2
Percent of Households
Pawn Shop, Last 30 Days (Percent)
Unknown
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
87
D-14a Rent-To-Own Recency Of Use By Banking Status And Household Characteristics, 2013
For all households, row percent
Used: Not in
last 30 days Used: Not in
Used: in last but in last 12
last 12
30 days
months
months
(Percent)
(Percent)
(Percent)
Number of
Households
(1000s)
Percent of
Households
123,750
100
0.7
0.8
3.1
90.2
5.2
9,582
100
2.0
2.5
8.0
80.3
7.2
114,168
100
0.6
0.6
2.7
91.1
5.0
6,053
100
3.2
3.9
10.2
81.3
1.4
24,757
100
2.7
3.0
7.0
86.6
0.8
Married couple
59,102
100
0.6
0.5
2.3
92.1
4.4
Unmarried female-headed family
15,802
100
1.8
2.0
6.1
84.5
5.6
Characteristics
All
Never Used
(Percent)
Use
Unknown
(Percent)
Unbanked
Unbanked
Has bank account
Banking Status and AFS Use in Last
12 Months
Unbanked and Used AFS in Last 12
Months
Underbanked (Banked and Used AFS
in Last 12 Months)
Household Type
Unmarried male-headed family
6,327
100
1.0
1.3
5.6
87.5
4.5
Female individual
22,150
100
0.4
0.6
2.7
90.2
6.0
Male individual
20,240
100
0.4
0.7
2.8
90.1
6.1
128
100
-
1.3
-
91.1
7.6
Black
16,801
100
1.2
2.0
5.8
83.3
7.7
Hispanic
14,948
100
1.0
0.9
2.8
89.6
5.7
Asian
5,882
100
0.2
0.1
0.3
93.5
5.9
American Indian/Alaskan
1,464
100
1.1
1.3
4.4
89.8
3.4
Other
Race/Ethnicity
Hawaiian/Pacific Islander
314
100
0.3
1.4
1.5
91.6
5.2
White non-Black non-Hispanic
84,310
100
0.6
0.6
2.8
91.5
4.5
Other non-Black non-Hispanic
NA
NA
NA
NA
NA
NA
NA
121,097
100
0.7
0.8
3.1
90.2
5.1
2,654
100
0.3
0.5
2.1
91.0
6.0
0.8
0.9
3.4
90.0
5.0
Spanish only language spoken
Spanish is not the only language
spoken
Spanish is only language spoken
Nativity
U.S.-born
106,397
100
Foreign born citizen
9,252
100
-
0.1
1.2
92.1
6.6
Foreign born non citizen
8,102
100
0.4
0.6
1.7
91.0
6.3
15 to 24 years
6,244
100
1.1
2.0
2.9
89.9
4.2
25 to 34 years
20,464
100
1.2
1.3
3.8
88.8
4.9
35 to 44 years
21,408
100
1.2
1.0
4.1
88.7
4.9
45 to 54 years
24,551
100
0.7
0.7
3.9
89.6
5.0
55 to 64 years
22,710
100
0.3
0.5
3.0
91.5
4.7
65 years or more
28,372
100
0.1
0.2
1.3
92.1
6.2
Age Group
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
88
D-14a Rent-To-Own Recency Of Use By Banking Status And Household Characteristics, 2013
For all households, row percent
Used: Not in
last 30 days Used: Not in
Used: in last but in last 12
last 12
30 days
months
months
(Percent)
(Percent)
(Percent)
Number of
Households
(1000s)
Percent of
Households
No high school degree
13,871
100
1.4
1.5
4.5
86.8
5.8
High school degree
33,684
100
0.9
1.1
4.0
88.4
5.6
Some college
36,007
100
0.8
1.0
3.6
89.6
5.0
College degree
40,188
100
0.1
0.2
1.4
93.5
4.8
75,587
100
0.6
0.8
3.1
90.7
4.8
5,436
100
1.4
1.7
6.4
86.0
4.5
42,727
100
0.7
0.7
2.7
89.9
6.0
Less than $15,000
19,044
100
1.2
1.5
5.0
86.4
5.9
Between $15,000 and $30,000
21,763
100
1.2
1.2
4.3
87.3
6.0
Between $30,000 and $50,000
24,496
100
0.9
0.9
3.3
89.2
5.6
Between $50,000 and $75,000
22,552
100
0.4
0.6
2.4
91.9
4.8
At Least $75,000
35,895
100
0.2
0.2
1.7
93.7
4.2
Homeowner
80,136
100
0.3
0.4
2.2
92.3
4.8
Non-homeowner
43,614
100
1.4
1.4
4.8
86.5
5.9
Northeast
22,199
100
0.6
0.6
2.2
91.5
5.2
Midwest
27,315
100
0.8
0.6
3.3
90.3
5.0
South
46,738
100
0.9
1.1
3.8
88.9
5.3
West
27,498
100
0.4
0.5
2.6
91.5
5.0
Disabled
10,841
100
1.9
2.2
7.0
83.5
5.4
Not Disabled
78,293
100
0.7
0.7
3.3
90.5
4.8
Not Applicable
34,616
100
0.3
0.5
1.6
91.7
5.9
Characteristics
Never Used
(Percent)
Use
Unknown
(Percent)
Education
Employment Status
Employed
Unemployed
Not in labor force
Family Income
Homeownership
Geographic Region
Disability Status
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
D-14b Rent-To-Own Recency Of Use By Banking Status, 2013
For all households that used rent-to-own in the last 12 months, column percent
Characteristics
Number of Households (1000s)
All
Unbanked
Banked: Underbanked
1,829
428
1,401
100
100
100
Used in last 30 days
46.9
45.1
47.5
Used but not in last 30 days
53.1
54.9
52.5
Percent of Households
Rent-to-Own, Last 30 Days (Percent)
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
89
D-15 Refund Anticipation Loan Recency Of Use By Banking Status And Household Characteristics, 2013
For all households, row percent
Characteristics
All
Number of
Households
(1000s)
Percent of
Households
Used: Not in
last 30 days
but in last 12
months
(Percent)
Used: Not in
last 12 months
(Percent)
Never Used
(Percent)
Use Unknown
(Percent)
123,750
100
1.8
2.9
90.0
5.3
9,582
100
3.8
5.6
83.3
7.3
114,168
100
1.6
2.7
90.6
5.1
6,053
100
6.0
7.4
84.9
1.7
24,757
100
7.4
6.6
84.9
1.0
Married couple
59,102
100
1.4
2.3
91.7
4.6
Unmarried female-headed family
15,802
100
4.3
5.9
84.1
5.8
Unbanked
Unbanked
Has bank account
Banking Status and AFS Use in Last
12 Months
Unbanked and Used AFS in Last 12
Months
Underbanked (Banked and Used AFS
in Last 12 Months)
Household Type
Unmarried male-headed family
6,327
100
3.0
4.5
87.6
4.9
Female individual
22,150
100
1.2
2.2
90.4
6.2
Male individual
20,240
100
1.2
2.7
89.9
6.2
128
100
0.9
4.6
86.9
7.6
Black
16,801
100
3.8
5.3
83.1
7.8
Hispanic
14,948
100
2.1
2.8
89.2
5.9
Asian
5,882
100
1.1
0.7
92.1
6.1
American Indian/Alaskan
1,464
100
2.8
4.3
88.5
4.4
Other
Race/Ethnicity
Hawaiian/Pacific Islander
314
100
4.0
3.2
87.5
5.2
White non-Black non-Hispanic
84,310
100
1.3
2.6
91.4
4.7
Other non-Black non-Hispanic
NA
NA
NA
NA
NA
NA
121,097
100
1.8
2.9
90.0
5.3
2,654
100
1.3
2.3
90.3
6.0
Spanish only language spoken
Spanish is not the only language
spoken
Spanish is only language spoken
Nativity
U.S.-born
106,397
100
1.8
3.2
89.8
5.1
Foreign born citizen
9,252
100
1.3
0.8
91.2
6.7
Foreign born non citizen
8,102
100
1.6
1.3
90.8
6.2
15 to 24 years
6,244
100
2.9
1.8
90.7
4.6
25 to 34 years
20,464
100
2.8
3.8
88.5
4.9
35 to 44 years
21,408
100
2.7
4.6
87.7
5.0
45 to 54 years
24,551
100
2.0
3.9
88.8
5.3
55 to 64 years
22,710
100
1.0
2.2
92.1
4.7
65 years or more
28,372
100
0.5
1.0
92.1
6.4
Age Group
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
90
D-15 Refund Anticipation Loan Recency Of Use By Banking Status And Household Characteristics, 2013
For all households, row percent
Characteristics
Number of
Households
(1000s)
Percent of
Households
Used: Not in
last 30 days
but in last 12
months
(Percent)
Used: Not in
last 12 months
(Percent)
Never Used
(Percent)
Use Unknown
(Percent)
Education
No high school degree
13,871
100
2.7
3.5
87.9
5.9
High school degree
33,684
100
2.3
3.5
88.5
5.7
Some college
36,007
100
2.1
3.8
89.0
5.1
College degree
40,188
100
0.8
1.5
92.9
4.9
75,587
100
2.0
3.0
90.0
4.9
5,436
100
3.7
5.3
86.1
4.9
42,727
100
1.1
2.4
90.4
6.0
Less than $15,000
19,044
100
1.9
3.8
88.3
6.0
Between $15,000 and $30,000
21,763
100
3.1
3.7
87.1
6.0
Between $30,000 and $50,000
24,496
100
2.2
3.3
88.7
5.8
Between $50,000 and $75,000
22,552
100
1.6
2.9
90.5
5.0
At Least $75,000
35,895
100
0.8
1.7
93.2
4.3
Homeowner
80,136
100
1.2
2.1
91.7
4.9
Non-homeowner
43,614
100
2.8
4.4
86.8
6.0
Northeast
22,199
100
1.0
1.7
92.1
5.2
Midwest
27,315
100
1.4
2.9
90.4
5.3
South
46,738
100
2.5
3.8
88.4
5.3
West
27,498
100
1.7
2.4
90.6
5.3
Disabled
10,841
100
2.7
6.1
85.7
5.6
Not Disabled
78,293
100
2.0
3.3
89.8
4.9
Not Applicable
34,616
100
0.9
1.2
91.8
6.1
Employment Status
Employed
Unemployed
Not in labor force
Family Income
Homeownership
Geographic Region
Disability Status
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
91
D-16a Auto Title Loan Recency Of Use By Banking Status And Household Characteristics, 2013
For all households, row percent
Used: Not in
last 30 days Used: Not in
Used: in last but in last 12
last 12
30 days
months
months
(Percent)
(Percent)
(Percent)
Number of
Households
(1000s)
Percent of
Households
123,750
100
0.3
0.5
1.8
92.0
5.3
9,582
100
0.5
1.2
3.0
88.1
7.2
114,168
100
0.3
0.5
1.7
92.4
5.1
6,053
100
0.8
1.8
3.9
92.0
1.5
24,757
100
1.3
2.3
4.1
91.4
0.9
Married couple
59,102
100
0.3
0.5
1.3
93.2
4.6
Unmarried female-headed family
15,802
100
0.3
0.9
3.5
89.5
5.8
Characteristics
All
Never Used
(Percent)
Use
Unknown
(Percent)
Unbanked
Unbanked
Has bank account
Banking Status and AFS Use in Last
12 Months
Unbanked and Used AFS in Last 12
Months
Underbanked (Banked and Used AFS
in Last 12 Months)
Household Type
Unmarried male-headed family
6,327
100
0.9
1.1
2.8
90.5
4.7
Female individual
22,150
100
0.1
0.4
1.5
91.8
6.2
Male individual
20,240
100
0.3
0.4
1.9
91.2
6.2
128
100
-
-
4.0
88.4
7.6
Black
16,801
100
0.4
1.1
2.7
88.0
7.8
Hispanic
14,948
100
0.5
0.5
1.8
91.5
5.7
Asian
5,882
100
0.1
0.6
0.6
92.7
6.1
American Indian/Alaskan
1,464
100
0.8
0.8
3.4
91.0
4.1
Other
Race/Ethnicity
Hawaiian/Pacific Islander
314
100
-
-
3.2
91.5
5.2
White non-Black non-Hispanic
84,310
100
0.3
0.4
1.7
92.9
4.7
Other non-Black non-Hispanic
NA
NA
NA
NA
NA
NA
NA
121,097
100
0.3
0.6
1.8
92.0
5.3
2,654
100
0.3
0.1
1.8
91.9
5.9
Spanish only language spoken
Spanish is not the only language
spoken
Spanish is only language spoken
Nativity
U.S.-born
106,397
100
0.3
0.6
1.9
92.1
5.1
Foreign born citizen
9,252
100
0.2
0.4
0.9
91.7
6.8
Foreign born non citizen
8,102
100
0.3
0.6
1.4
91.5
6.2
15 to 24 years
6,244
100
0.2
0.9
0.9
93.7
4.3
25 to 34 years
20,464
100
0.5
1.0
2.1
91.4
5.0
35 to 44 years
21,408
100
0.4
0.8
2.5
91.2
5.1
45 to 54 years
24,551
100
0.4
0.5
1.9
92.1
5.1
55 to 64 years
22,710
100
0.2
0.3
1.9
92.8
4.8
65 years or more
28,372
100
0.1
0.2
1.3
92.0
6.4
Age Group
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
92
D-16a Auto Title Loan Recency Of Use By Banking Status And Household Characteristics, 2013
For all households, row percent
Used: Not in
last 30 days Used: Not in
Used: in last but in last 12
last 12
30 days
months
months
(Percent)
(Percent)
(Percent)
Number of
Households
(1000s)
Percent of
Households
No high school degree
13,871
100
0.6
0.8
2.5
90.2
5.9
High school degree
33,684
100
0.3
0.7
2.0
91.3
5.8
Some college
36,007
100
0.4
0.6
2.2
91.7
5.0
College degree
40,188
100
0.2
0.3
1.1
93.5
4.9
75,587
100
0.3
0.6
1.8
92.4
4.9
5,436
100
1.1
0.9
3.1
90.2
4.6
42,727
100
0.2
0.4
1.8
91.5
6.1
Less than $15,000
19,044
100
0.6
0.6
2.7
90.1
5.9
Between $15,000 and $30,000
21,763
100
0.3
0.8
2.4
90.4
6.1
Between $30,000 and $50,000
24,496
100
0.3
0.7
2.0
91.1
5.8
Between $50,000 and $75,000
22,552
100
0.2
0.5
1.7
92.7
5.0
At Least $75,000
35,895
100
0.2
0.3
1.0
94.2
4.4
Homeowner
80,136
100
0.2
0.4
1.6
92.9
4.9
Non-homeowner
43,614
100
0.5
0.8
2.3
90.4
6.0
Northeast
22,199
100
0.3
0.2
1.0
93.1
5.4
Midwest
27,315
100
0.2
0.5
1.6
92.6
5.2
South
46,738
100
0.4
0.8
2.4
91.0
5.4
West
27,498
100
0.2
0.5
1.8
92.4
5.1
Disabled
10,841
100
0.5
0.7
4.0
89.3
5.5
Not Disabled
78,293
100
0.4
0.6
1.8
92.3
4.9
Not Applicable
34,616
100
0.1
0.3
1.2
92.3
6.0
Characteristics
Never Used
(Percent)
Use
Unknown
(Percent)
Education
Employment Status
Employed
Unemployed
Not in labor force
Family Income
Homeownership
Geographic Region
Disability Status
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
D-16b Auto Title Loan Recency Of Use By Banking Status, 2013
For households that used auto title loans in the last 12 months, column percent
Characteristics
Number of Households (1000s)
All
Unbanked
Banked: Underbanked
1,053
161
891
100
100
100
Used in last 30 days
35.4
31.6
36.1
Used but not in last 30 days
64.6
68.4
63.9
Percent of Households
Auto Title Loan, Last 30 Days (Percent)
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
93
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
94
Appendix E – Mobile Phone, Smartphone and
Internet Access: National Tables
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
95
E-1 Mobile Phone, Smartphone And Internet Access By Banking Status, 2013
For all households, column percent
Characteristics
Number of Households (1000s)
All
Unbanked
Banked: Underbanked
Banked: Fully Banked
Banked: Underbanked
Status Unknown
123,750
9,582
24,757
82,892
6,519
100
100
100
100
100
Has mobile phone
82.7
68.1
90.5
86.8
22.0
Does not have mobile phone
12.4
25.5
8.5
12.7
3.9
4.9
6.4
1.0
0.5
74.2
Smartphone
55.7
33.1
64.5
59.0
13.6
Non-Smartphone
26.5
34.4
25.5
27.5
6.1
No Mobile Phone
12.4
25.5
8.5
12.7
3.9
5.4
6.9
1.5
0.9
76.5
Has access
75.7
43.0
81.9
82.0
19.8
Does not have access
19.3
50.2
17.0
17.5
5.1
5.0
6.8
1.1
0.5
75.1
Does not have mobile
phone (Percent)
12.4
Unknown (Percent)
4.9
Percent of Households
Mobile Phone (Percent)
Unknown
Smartphone (Percent)
Unknown
Internet Access (Percent)
Unknown
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
E-2 Mobile Phone Access By Household Characteristics, 2013
All households, row percent
Number of Households
(1000s)
123,750
Percent of Households
100
Has mobile phone
(Percent)
82.7
Married couple
59,102
100
86.8
8.9
4.4
Unmarried female-headed family
15,802
100
84.2
10.6
5.2
Characteristics
All
Household Type
6,327
100
84.3
11.6
4.0
Female individual
22,150
100
73.2
21.1
5.8
Male individual
20,240
100
79.5
14.7
5.8
128
100
84.3
8.2
7.6
Unmarried male-headed family
Other
Race/Ethnicity
Black
16,801
100
79.1
13.9
7.0
Hispanic
14,948
100
80.0
14.6
5.4
5.2
Asian
5,882
100
86.3
8.4
American Indian/Alaskan
1,464
100
79.5
17.0
3.5
Hawaiian/Pacific Islander
314
100
88.7
8.2
3.0
White non-Black non-Hispanic
84,310
100
83.7
11.9
4.5
Other non-Black non-Hispanic
NA
NA
NA
NA
NA
Spanish only language spoken
Spanish is not the only language spoken
Spanish is only language spoken
121,097
100
83.0
12.1
4.9
2,654
100
70.2
24.3
5.4
4.8
Nativity
106,397
100
83.1
12.1
Foreign born citizen
9,252
100
80.8
13.3
5.9
Foreign born non citizen
8,102
100
79.2
15.1
5.7
U.S.-born
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
96
E-2 Mobile Phone Access By Household Characteristics, 2013
All households, row percent
Characteristics
Number of Households
(1000s)
Percent of Households
Has mobile phone
(Percent)
Does not have mobile
phone (Percent)
Unknown (Percent)
Age Group
15 to 24 years
6,244
100
88.9
7.0
4.1
25 to 34 years
20,464
100
89.9
5.8
4.3
4.7
35 to 44 years
21,408
100
89.1
6.3
45 to 54 years
24,551
100
86.6
8.6
4.8
55 to 64 years
22,710
100
83.5
12.0
4.5
65 years or more
28,372
100
67.3
26.4
6.3
Disabled
10,841
100
78.2
16.7
5.1
Not Disabled
78,293
100
88.4
7.1
4.5
Not Applicable
34,616
100
71.2
22.9
5.9
5.5
Disability Status
Education
No high school degree
13,871
100
67.0
27.5
High school degree
33,684
100
78.2
16.5
5.3
Some college
36,007
100
85.4
9.8
4.8
College degree
40,188
100
89.5
6.0
4.5
Employment Status
75,587
100
89.0
6.5
4.5
5,436
100
85.0
10.9
4.1
42,727
100
71.2
23.0
5.8
Less than $15,000
19,044
100
69.2
25.3
5.5
Between $15,000 and $30,000
21,763
100
74.4
19.9
5.7
Between $30,000 and $50,000
24,496
100
82.3
12.3
5.4
Between $50,000 and $75,000
22,552
100
88.3
7.0
4.6
At Least $75,000
35,895
100
91.6
4.3
4.0
Homeowner
80,136
100
83.5
11.7
4.7
Non-homeowner
43,614
100
81.2
13.5
5.4
Employed
Unemployed
Not in labor force
Family Income
Homeownership
Geographic Region
Northeast
22,199
100
81.4
13.6
5.0
Midwest
27,315
100
82.7
12.5
4.8
South
46,738
100
82.9
12.1
5.0
West
27,498
100
83.4
11.7
4.9
5.2
Metropolitan Status
Metropolitan area - Principal City
34,510
100
82.3
12.4
Metropolitan area - Balance
51,229
100
84.6
10.1
5.2
Not in Metropolitan area
19,325
100
78.2
17.7
4.1
Not Identified
18,686
100
82.8
12.8
4.4
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
97
E-3 Smart Phone Access By Household Characteristics, 2013
All households, row percent
Characteristics
All
Number of
Households (1000s)
Percent of
Households
Smartphone
(Percent)
Non-Smartphone
(Percent)
No Mobile Phone
(Percent)
Unknown (Percent)
12.4
5.4
123,750
100
55.7
26.5
Married couple
59,102
100
62.6
23.7
8.9
4.8
Unmarried female-headed family
15,802
100
58.5
24.8
10.6
6.0
Household Type
Unmarried male-headed family
6,327
100
61.0
22.7
11.6
4.6
Female individual
22,150
100
39.1
33.7
21.1
6.2
Male individual
20,240
100
50.0
29.2
14.7
6.1
128
100
40.1
44.1
8.2
7.6
Black
16,801
100
52.4
26.0
13.9
7.7
Hispanic
14,948
100
55.7
23.9
14.6
5.7
Asian
5,882
100
67.9
18.1
8.4
5.6
American Indian/Alaskan
1,464
100
47.0
32.4
17.0
3.6
Other
Race/Ethnicity
Hawaiian/Pacific Islander
314
100
64.7
22.1
8.2
4.9
White non-Black non-Hispanic
84,310
100
55.6
27.6
11.9
5.0
Other non-Black non-Hispanic
NA
NA
NA
NA
NA
NA
121,097
100
56.1
26.4
12.1
5.4
2,654
100
36.2
33.6
24.3
5.9
Spanish only language spoken
Spanish is not the only language spoken
Spanish is only language spoken
Nativity
U.S.-born
106,397
100
55.6
27.0
12.1
5.3
Foreign born citizen
9,252
100
57.5
22.9
13.3
6.4
Foreign born non citizen
8,102
100
54.4
24.3
15.1
6.2
15 to 24 years
6,244
100
76.2
12.3
7.0
4.5
25 to 34 years
20,464
100
76.5
13.0
5.8
4.7
35 to 44 years
21,408
100
72.1
16.7
6.3
5.0
45 to 54 years
24,551
100
62.8
23.3
8.6
5.2
55 to 64 years
22,710
100
48.7
34.1
12.0
5.1
65 years or more
28,372
100
23.2
43.4
26.4
6.9
Disabled
10,841
100
39.4
38.2
16.7
5.7
Not Disabled
78,293
100
68.1
19.9
7.1
4.9
Not Applicable
34,616
100
32.8
37.8
22.9
6.5
Age Group
Disability Status
Education
No high school degree
13,871
100
30.1
36.4
27.5
6.0
High school degree
33,684
100
44.2
33.4
16.5
5.9
Some college
36,007
100
59.4
25.5
9.8
5.4
College degree
40,188
100
70.8
18.3
6.0
4.9
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
98
E-3 Smart Phone Access By Household Characteristics, 2013
All households, row percent
Characteristics
Employment Status
Employed
Unemployed
Number of
Households (1000s)
Percent of
Households
Smartphone
(Percent)
Non-Smartphone
(Percent)
No Mobile Phone
(Percent)
Unknown (Percent)
75,587
100
69.1
19.5
6.5
4.9
5,436
100
57.3
27.2
10.9
4.6
42,727
100
31.8
38.8
23.0
6.4
Less than $15,000
19,044
100
31.3
37.4
25.3
6.0
Between $15,000 and $30,000
21,763
100
37.9
36.0
19.9
6.2
Between $30,000 and $50,000
24,496
100
51.0
30.7
12.3
5.9
Between $50,000 and $75,000
22,552
100
63.4
24.4
7.0
5.2
At Least $75,000
35,895
100
77.7
13.5
4.3
4.5
Homeowner
80,136
100
55.4
27.7
11.7
5.2
Non-homeowner
43,614
100
56.3
24.4
13.5
5.8
Northeast
22,199
100
54.6
26.3
13.6
5.5
Midwest
27,315
100
52.1
30.1
12.5
5.3
South
46,738
100
56.2
26.2
12.1
5.5
West
27,498
100
59.2
23.8
11.7
5.4
Metropolitan area - Principal City
34,510
100
58.8
23.0
12.4
5.8
Metropolitan area - Balance
51,229
100
59.8
24.4
10.1
5.7
Not in Metropolitan area
19,325
100
42.0
35.6
17.7
4.7
Not Identified
18,686
100
52.8
29.5
12.8
4.9
Not in labor force
Family Income
Homeownership
Geographic Region
Metropolitan Status
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
99
E-3 Smart Phone Access By Household Characteristics, 2013
All households, row percent
Characteristics
All
Number of
Households (1000s)
Percent of
Households
Smartphone
(Percent)
Non-Smartphone
(Percent)
No Mobile Phone
(Percent)
Unknown (Percent)
12.4
5.4
123,750
100
55.7
26.5
Married couple
59,102
100
62.6
23.7
8.9
4.8
Unmarried female-headed family
15,802
100
58.5
24.8
10.6
6.0
Household Type
Unmarried male-headed family
6,327
100
61.0
22.7
11.6
4.6
Female individual
22,150
100
39.1
33.7
21.1
6.2
Male individual
20,240
100
50.0
29.2
14.7
6.1
128
100
40.1
44.1
8.2
7.6
Black
16,801
100
52.4
26.0
13.9
7.7
Hispanic
14,948
100
55.7
23.9
14.6
5.7
Asian
5,882
100
67.9
18.1
8.4
5.6
American Indian/Alaskan
1,464
100
47.0
32.4
17.0
3.6
Other
Race/Ethnicity
Hawaiian/Pacific Islander
314
100
64.7
22.1
8.2
4.9
White non-Black non-Hispanic
84,310
100
55.6
27.6
11.9
5.0
Other non-Black non-Hispanic
NA
NA
NA
NA
NA
NA
121,097
100
56.1
26.4
12.1
5.4
2,654
100
36.2
33.6
24.3
5.9
Spanish only language spoken
Spanish is not the only language spoken
Spanish is only language spoken
Nativity
U.S.-born
106,397
100
55.6
27.0
12.1
5.3
Foreign born citizen
9,252
100
57.5
22.9
13.3
6.4
Foreign born non citizen
8,102
100
54.4
24.3
15.1
6.2
15 to 24 years
6,244
100
76.2
12.3
7.0
4.5
25 to 34 years
20,464
100
76.5
13.0
5.8
4.7
35 to 44 years
21,408
100
72.1
16.7
6.3
5.0
45 to 54 years
24,551
100
62.8
23.3
8.6
5.2
55 to 64 years
22,710
100
48.7
34.1
12.0
5.1
65 years or more
28,372
100
23.2
43.4
26.4
6.9
Disabled
10,841
100
39.4
38.2
16.7
5.7
Not Disabled
78,293
100
68.1
19.9
7.1
4.9
Not Applicable
34,616
100
32.8
37.8
22.9
6.5
Age Group
Disability Status
Education
No high school degree
13,871
100
30.1
36.4
27.5
6.0
High school degree
33,684
100
44.2
33.4
16.5
5.9
Some college
36,007
100
59.4
25.5
9.8
5.4
College degree
40,188
100
70.8
18.3
6.0
4.9
75,587
100
69.1
19.5
6.5
4.9
5,436
100
57.3
27.2
10.9
4.6
42,727
100
31.8
38.8
23.0
6.4
Employment Status
Employed
Unemployed
Not in labor force
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
100
E-3 Smart Phone Access By Household Characteristics, 2013
All households, row percent
Characteristics
Number of
Households (1000s)
Percent of
Households
Smartphone
(Percent)
Non-Smartphone
(Percent)
No Mobile Phone
(Percent)
Unknown (Percent)
Family Income
Less than $15,000
19,044
100
31.3
37.4
25.3
6.0
Between $15,000 and $30,000
21,763
100
37.9
36.0
19.9
6.2
Between $30,000 and $50,000
24,496
100
51.0
30.7
12.3
5.9
Between $50,000 and $75,000
22,552
100
63.4
24.4
7.0
5.2
At Least $75,000
35,895
100
77.7
13.5
4.3
4.5
Homeowner
80,136
100
55.4
27.7
11.7
5.2
Non-homeowner
43,614
100
56.3
24.4
13.5
5.8
Northeast
22,199
100
54.6
26.3
13.6
5.5
Midwest
27,315
100
52.1
30.1
12.5
5.3
South
46,738
100
56.2
26.2
12.1
5.5
West
27,498
100
59.2
23.8
11.7
5.4
Homeownership
Geographic Region
Metropolitan Status
Metropolitan area - Principal City
34,510
100
58.8
23.0
12.4
5.8
Metropolitan area - Balance
51,229
100
59.8
24.4
10.1
5.7
Not in Metropolitan area
19,325
100
42.0
35.6
17.7
4.7
Not Identified
18,686
100
52.8
29.5
12.8
4.9
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
101
E-4 Internet Access By Household Characteristics, 2013
All households, row percent
Number of Households
(1000s)
Percent of Households
123,750
100
75.7
Married couple
59,102
100
83.5
12.2
4.4
Unmarried female-headed family
15,802
100
75.6
19.0
5.4
Characteristics
All
Has access (Percent)
Does not have access
(Percent)
19.3
Unknown (Percent)
5.0
Household Type
Unmarried male-headed family
6,327
100
75.2
20.6
4.2
Female individual
22,150
100
62.5
31.7
5.8
Male individual
20,240
100
67.8
26.3
5.9
128
100
67.6
24.8
7.6
Other
Race/Ethnicity
Black
16,801
100
65.3
27.5
7.1
Hispanic
14,948
100
66.4
28.2
5.4
Asian
5,882
100
82.1
12.8
5.1
American Indian/Alaskan
1,464
100
69.8
26.8
3.4
Hawaiian/Pacific Islander
314
100
82.9
13.7
3.4
White non-Black non-Hispanic
84,310
100
79.1
16.4
4.5
Other non-Black non-Hispanic
NA
NA
NA
NA
NA
121,097
100
76.4
18.6
5.0
2,654
100
43.3
51.2
5.5
Spanish only language spoken
Spanish is not the only language spoken
Spanish is only language spoken
Nativity
U.S.-born
106,397
100
76.8
18.4
4.8
Foreign born citizen
9,252
100
73.6
20.4
6.0
Foreign born non citizen
8,102
100
64.4
29.7
5.8
14.4
4.1
Age Group
15 to 24 years
6,244
100
81.5
25 to 34 years
20,464
100
84.2
11.3
4.4
35 to 44 years
21,408
100
84.2
11.0
4.8
45 to 54 years
24,551
100
81.5
13.7
4.8
55 to 64 years
22,710
100
77.2
18.2
4.6
65 years or more
28,372
100
55.7
38.1
6.2
10,841
100
63.2
31.5
5.3
Disability Status
Disabled
Not Disabled
78,293
100
84.3
11.2
4.6
Not Applicable
34,616
100
60.3
33.8
5.9
100
43.6
50.8
5.6
Education
No high school degree
13,871
High school degree
33,684
100
66.9
27.7
5.4
Some college
36,007
100
81.2
14.0
4.9
College degree
40,188
100
89.3
6.1
4.6
75,587
100
85.0
10.4
4.6
5,436
100
77.4
18.6
4.0
42,727
100
59.1
35.1
5.8
Employment Status
Employed
Unemployed
Not in labor force
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
102
E-4 Internet Access By Household Characteristics, 2013
All households, row percent
Characteristics
Number of Households
(1000s)
Percent of Households
Has access (Percent)
Does not have access
(Percent)
Unknown (Percent)
Family Income
Less than $15,000
19,044
100
49.1
Between $15,000 and $30,000
45.3
5.6
21,763
100
62.0
32.2
5.8
Between $30,000 and $50,000
24,496
100
76.3
18.3
5.4
Between $50,000 and $75,000
22,552
100
86.3
9.0
4.7
At Least $75,000
35,895
100
91.1
4.8
4.1
Homeownership
Homeowner
80,136
100
78.7
16.6
4.8
Non-homeowner
43,614
100
70.3
24.3
5.5
76.5
18.3
5.2
Geographic Region
Northeast
22,199
100
Midwest
27,315
100
76.8
18.5
4.7
South
46,738
100
72.9
21.9
5.2
West
27,498
100
78.8
16.4
4.9
34,510
100
75.0
19.7
5.3
Metropolitan Status
Metropolitan area - Principal City
Metropolitan area - Balance
51,229
100
79.2
15.4
5.4
Not in Metropolitan area
19,325
100
68.0
27.8
4.2
Not Identified
18,686
100
75.5
20.2
4.3
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
103
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
104
Appendix F – Banking Methods: National
Tables
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
105
F-1a Selected Methods Used To Access Bank Account By Banking Status And Household Characteristics,
2013
For all banked households that accessed their account in the last 12 months, row percent
Number of
Households
(1000s)
Percent of
Households
Bank Teller :
Yes (Percent)
Bank Teller :
No (Percent)
ATM/Kiosk :
Yes (Percent)
ATM/Kiosk :
No (Percent)
Telephone
Banking : Yes
(Percent)
Telephone
Banking : No
(Percent)
108,295
100
78.8
21.2
69.6
30.4
26.1
73.9
Banked: Underbanked
24,405
100
79.2
20.8
76.4
23.6
32.7
67.3
Banked: Fully Banked
81,184
100
78.7
21.3
67.9
32.1
24.3
75.7
2,707
100
76.3
23.7
58.8
41.2
20.0
80.0
Married couple
54,743
100
81.1
18.9
72.2
27.8
27.7
72.3
Unmarried female-headed family
12,222
100
75.6
24.4
73.9
26.1
28.6
71.4
5,267
100
77.8
22.2
72.5
27.5
25.5
74.5
Female individual
19,022
100
77.1
22.9
59.0
41.0
22.8
77.2
Male individual
16,948
100
75.7
24.3
69.3
30.7
22.7
77.3
93
100
77.8
22.2
74.1
25.9
30.3
69.7
Black
12,434
100
75.7
24.3
71.6
28.4
29.0
71.0
Hispanic
11,709
100
74.2
25.8
69.5
30.5
25.1
74.9
Asian
5,420
100
76.1
23.9
69.8
30.2
21.3
78.7
American Indian/Alaskan
1,164
100
77.6
22.4
70.4
29.6
26.3
73.7
Hawaiian/Pacific Islander
281
100
87.6
12.4
86.5
13.5
31.6
68.4
White non-Black non-Hispanic
77,258
100
80.2
19.8
69.2
30.8
26.1
73.9
Other non-Black non-Hispanic
NA
NA
NA
NA
NA
NA
NA
NA
106,644
100
78.8
21.2
69.9
30.1
26.2
73.8
1,651
100
78.0
22.0
53.2
46.8
16.2
83.8
94,072
100
79.2
20.8
70.0
30.0
26.8
73.2
Foreign born citizen
8,262
100
78.1
21.9
66.0
34.0
21.4
78.6
Foreign born non citizen
5,961
100
73.5
26.5
68.0
32.0
21.6
78.4
15 to 24 years
5,065
100
72.8
27.2
80.6
19.4
28.4
71.6
25 to 34 years
17,239
100
72.1
27.9
80.2
19.8
29.9
70.1
35 to 44 years
18,645
100
76.9
23.1
79.8
20.2
30.5
69.5
45 to 54 years
21,657
100
77.7
22.3
75.9
24.1
29.1
70.9
55 to 64 years
20,426
100
81.4
18.6
68.4
31.6
24.9
75.1
65 years or more
25,262
100
84.7
15.3
48.3
51.7
18.1
81.9
8,342
100
75.3
24.7
67.2
32.8
25.0
75.0
Not Disabled
69,625
100
77.5
22.5
76.8
23.2
29.0
71.0
Not Applicable
30,328
100
82.7
17.3
53.7
46.3
19.8
80.2
Characteristics
All
Unbanked and Underbanked
Banked: Underbanked Status Unknown
Household Type
Unmarried male-headed family
Other
Race/Ethnicity
Spanish only language spoken
Spanish is not the only language spoken
Spanish is only language spoken
Nativity
U.S.-born
Age Group
Disability Status
Disabled
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
106
F-1a Selected Methods Used To Access Bank Account By Banking Status And Household Characteristics,
2013
For all banked households that accessed their account in the last 12 months, row percent
Characteristics
Number of
Households
(1000s)
Percent of
Households
Bank Teller :
Yes (Percent)
Bank Teller :
No (Percent)
ATM/Kiosk :
Yes (Percent)
ATM/Kiosk :
No (Percent)
Telephone
Banking : Yes
(Percent)
Telephone
Banking : No
(Percent)
Education
9,549
100
79.1
20.9
51.0
49.0
15.4
84.6
High school degree
No high school degree
28,205
100
79.2
20.8
62.6
37.4
22.7
77.3
Some college
32,472
100
79.1
20.9
71.9
28.1
27.9
72.1
College degree
38,070
100
78.1
21.9
77.5
22.5
29.7
70.3
68,510
100
77.9
22.1
76.6
23.4
28.8
71.2
4,021
100
74.6
25.4
74.6
25.4
31.1
68.9
35,764
100
81.0
19.0
55.7
44.3
20.3
79.7
Less than $15,000
12,653
100
75.7
24.3
53.9
46.1
17.9
82.1
Between $15,000 and $30,000
18,082
100
79.3
20.7
58.4
41.6
20.8
79.2
Between $30,000 and $50,000
22,061
100
79.6
20.4
68.4
31.6
25.4
74.6
Between $50,000 and $75,000
21,131
100
79.3
20.7
73.4
26.6
27.7
72.3
At Least $75,000
34,368
100
78.8
21.2
79.7
20.3
31.4
68.6
Homeowner
74,146
100
81.2
18.8
68.1
31.9
25.9
74.1
Non-homeowner
34,149
100
73.5
26.5
72.8
27.2
26.4
73.6
Northeast
19,688
100
80.1
19.9
71.9
28.1
24.3
75.7
Midwest
24,167
100
81.4
18.6
67.0
33.0
24.5
75.5
South
40,149
100
77.9
22.1
66.9
33.1
26.4
73.6
West
24,290
100
76.7
23.3
74.9
25.1
28.6
71.4
Metropolitan area - Principal City
29,143
100
76.6
23.4
72.3
27.7
27.1
72.9
Metropolitan area - Balance
45,865
100
78.0
22.0
72.2
27.8
26.5
73.5
Not in Metropolitan area
16,645
100
83.5
16.5
59.8
40.2
22.4
77.6
Not Identified
16,642
100
80.0
20.0
67.4
32.6
26.7
73.3
Employment Status
Employed
Unemployed
Not in labor force
Family Income
Homeownership
Geographic Region
Metropolitan Status
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
107
F-1b Selected Methods Used To Access Bank Account By Banking Status And Household Characteristics,
2013
For all banked households that accessed their account in the last 12 months, row percent
Number of
Households
(1000s)
Percent of
Households
Online
Banking : Yes
(Percent)
Online
Banking : No
(Percent)
Mobile
Banking : Yes
(Percent)
Mobile
Banking : No
(Percent)
Other : Yes
(Percent)
Other : No
(Percent)
108,295
100
55.1
44.9
23.2
76.8
1.0
99.0
Banked: Underbanked
24,405
100
52.6
47.4
29.2
70.8
0.7
99.3
Banked: Fully Banked
81,184
100
56.2
43.8
21.7
78.3
1.1
98.9
2,707
100
43.7
56.3
14.8
85.2
2.1
97.9
Married couple
54,743
100
62.9
37.1
24.8
75.2
0.8
99.2
Unmarried female-headed family
12,222
100
49.0
51.0
23.1
76.9
0.8
99.2
Characteristics
All
Unbanked and Underbanked
Banked: Underbanked Status Unknown
Household Type
Unmarried male-headed family
5,267
100
50.1
49.9
26.1
73.9
0.9
99.1
Female individual
19,022
100
42.9
57.1
17.0
83.0
1.9
98.1
Male individual
16,948
100
49.5
50.5
24.4
75.6
1.2
98.8
93
100
53.9
46.1
44.1
55.9
2.0
98.0
Black
12,434
100
42.8
57.2
22.7
77.3
0.8
99.2
Hispanic
11,709
100
44.3
55.7
24.6
75.4
0.8
99.2
Asian
5,420
100
63.7
36.3
29.6
70.4
0.6
99.4
American Indian/Alaskan
1,164
100
48.9
51.1
19.3
80.7
1.1
98.9
Other
Race/Ethnicity
Hawaiian/Pacific Islander
281
100
60.1
39.9
31.3
68.7
-
100.0
White non-Black non-Hispanic
77,258
100
58.2
41.8
22.7
77.3
1.1
98.9
Other non-Black non-Hispanic
NA
NA
NA
NA
NA
NA
NA
NA
106,644
100
55.6
44.4
23.4
76.6
1.0
99.0
1,651
100
21.4
78.6
10.0
90.0
1.2
98.8
Spanish only language spoken
Spanish is not the only language spoken
Spanish is only language spoken
Nativity
U.S.-born
94,072
100
56.1
43.9
23.3
76.7
1.1
98.9
Foreign born citizen
8,262
100
50.1
49.9
22.0
78.0
0.9
99.1
Foreign born non citizen
5,961
100
46.4
53.6
24.2
75.8
0.8
99.2
15 to 24 years
5,065
100
63.5
36.5
44.6
55.4
0.3
99.7
25 to 34 years
17,239
100
71.7
28.3
43.5
56.5
0.3
99.7
35 to 44 years
18,645
100
68.1
31.9
33.9
66.1
0.6
99.4
45 to 54 years
21,657
100
61.4
38.6
23.0
77.0
0.7
99.3
55 to 64 years
20,426
100
51.8
48.2
14.0
86.0
1.0
99.0
65 years or more
25,262
100
29.7
70.3
4.9
95.1
2.3
97.7
8,342
100
42.2
57.8
13.8
86.2
1.8
98.2
Not Disabled
69,625
100
65.2
34.8
29.5
70.5
0.5
99.5
Not Applicable
30,328
100
35.4
64.6
11.5
88.5
2.0
98.0
Age Group
Disability Status
Disabled
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
108
F-1b Selected Methods Used To Access Bank Account By Banking Status And Household Characteristics,
2013
For all banked households that accessed their account in the last 12 months, row percent
Characteristics
Number of
Households
(1000s)
Percent of
Households
Online
Banking : Yes
(Percent)
Online
Banking : No
(Percent)
Mobile
Banking : Yes
(Percent)
Mobile
Banking : No
(Percent)
Other : Yes
(Percent)
Other : No
(Percent)
Education
No high school degree
9,549
100
17.6
82.4
8.3
91.7
2.0
98.0
High school degree
28,205
100
39.3
60.7
14.9
85.1
1.4
98.6
Some college
32,472
100
58.2
41.8
25.1
74.9
0.9
99.1
College degree
38,070
100
73.6
26.4
31.6
68.4
0.6
99.4
68,510
100
65.3
34.7
30.1
69.9
0.5
99.5
4,021
100
56.3
43.7
25.8
74.2
0.5
99.5
35,764
100
35.4
64.6
9.9
90.1
2.0
98.0
Less than $15,000
12,653
100
26.7
73.3
11.5
88.5
2.4
97.6
Between $15,000 and $30,000
18,082
100
33.9
66.1
14.3
85.7
1.5
98.5
Between $30,000 and $50,000
22,061
100
48.6
51.4
19.9
80.1
0.9
99.1
Between $50,000 and $75,000
21,131
100
62.4
37.6
25.1
74.9
0.7
99.3
At Least $75,000
34,368
100
76.5
23.5
33.2
66.8
0.6
99.4
Homeowner
74,146
100
56.8
43.2
20.7
79.3
1.0
99.0
Non-homeowner
34,149
100
51.4
48.6
28.8
71.2
1.0
99.0
Northeast
19,688
100
52.9
47.1
19.5
80.5
0.9
99.1
Midwest
24,167
100
54.9
45.1
20.8
79.2
1.1
98.9
South
40,149
100
52.4
47.6
23.8
76.2
1.0
99.0
West
24,290
100
61.5
38.5
27.8
72.2
1.1
98.9
Metropolitan area - Principal City
29,143
100
55.8
44.2
27.2
72.8
0.7
99.3
Metropolitan area - Balance
45,865
100
60.2
39.8
25.0
75.0
0.8
99.2
Not in Metropolitan area
16,645
100
41.4
58.6
13.1
86.9
1.9
98.1
Not Identified
16,642
100
53.5
46.5
21.5
78.5
1.3
98.7
Employment Status
Employed
Unemployed
Not in labor force
Family Income
Homeownership
Geographic Region
Metropolitan Status
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
109
F-2 Primary Method Used To Access Bank Account By Banking Status And Household Characteristics, 2013
For all banked households that accessed their account in the last 12 months, row percent
Number of
Households
(1000s)
Percent of
Households
Bank Teller
(Percent)
ATM/Kiosk
(Percent)
Telephone
Banking
(Percent)
Online
Banking
(Percent)
Mobile
Banking
(Percent)
Other
(Percent)
Unknown
(Percent)
108,295
100
32.2
24.4
3.3
32.9
5.7
0.8
0.7
Banked: Underbanked
24,405
100
29.0
29.5
4.6
26.6
9.5
0.5
0.4
Banked: Fully Banked
81,184
100
33.0
23.0
3.0
35.1
4.7
0.8
0.5
2,707
100
38.8
21.2
2.8
23.5
2.7
1.9
9.0
Married couple
54,743
100
30.4
21.8
2.7
39.1
4.8
0.5
0.7
Unmarried female-headed family
12,222
100
30.2
31.6
4.5
24.9
7.5
0.5
0.8
Characteristics
All
Unbanked and Underbanked
Banked: Underbanked Status Unknown
Household Type
Unmarried male-headed family
5,267
100
34.1
30.0
2.6
23.3
8.8
0.8
0.4
Female individual
19,022
100
38.4
22.5
4.9
26.7
5.1
1.7
0.7
Male individual
16,948
100
32.2
28.0
2.8
28.4
7.0
0.9
0.7
93
100
21.6
18.3
3.7
28.6
25.9
2.0
-
Black
12,434
100
33.1
31.6
4.8
21.4
7.8
0.7
0.7
Hispanic
11,709
100
34.0
29.9
3.6
23.0
8.3
0.6
0.7
Asian
5,420
100
29.8
21.5
1.4
40.1
5.7
0.5
0.8
American Indian/Alaskan
1,164
100
32.6
30.7
3.6
28.4
3.1
1.1
0.4
Other
Race/Ethnicity
Hawaiian/Pacific Islander
281
100
29.8
25.2
4.8
34.0
6.1
-
0.2
White non-Black non-Hispanic
77,258
100
32.0
22.5
3.2
35.8
5.0
0.8
0.7
Other non-Black non-Hispanic
NA
NA
NA
NA
NA
NA
NA
NA
NA
106,644
100
31.9
24.3
3.3
33.2
5.8
0.8
0.7
1,651
100
54.3
28.5
3.5
8.6
3.5
1.2
0.4
Spanish only language spoken
Spanish is not the only language spoken
Spanish is only language spoken
Nativity
U.S.-born
94,072
100
31.6
24.1
3.4
33.6
5.8
0.8
0.7
Foreign born citizen
8,262
100
37.0
24.6
2.8
30.0
4.1
0.8
0.8
Foreign born non citizen
5,961
100
35.1
28.2
2.4
26.0
6.9
0.6
0.8
15 to 24 years
5,065
100
21.1
27.4
2.9
27.8
20.3
0.2
0.3
25 to 34 years
17,239
100
17.0
23.5
3.1
42.5
13.2
0.1
0.6
35 to 44 years
18,645
100
21.1
24.5
3.0
41.5
8.9
0.2
0.8
45 to 54 years
21,657
100
26.7
27.5
3.2
37.7
3.7
0.5
0.7
55 to 64 years
20,426
100
36.1
25.9
3.5
31.6
1.4
0.7
0.9
65 years or more
25,262
100
54.6
20.4
3.8
17.8
0.6
2.1
0.7
8,342
100
35.6
29.3
5.3
24.8
2.7
1.4
0.9
Not Disabled
69,625
100
24.5
25.0
2.9
39.7
6.9
0.3
0.7
Not Applicable
30,328
100
49.0
21.5
3.6
19.5
3.9
1.8
0.6
9,549
100
55.6
26.9
4.0
8.8
2.4
1.9
0.4
High school degree
28,205
100
41.8
27.5
3.8
21.0
4.3
1.1
0.5
Some college
32,472
100
30.2
24.7
3.6
32.5
7.4
0.7
0.9
College degree
38,070
100
21.0
21.1
2.5
48.0
6.2
0.3
0.8
Age Group
Disability Status
Disabled
Education
No high school degree
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
110
F-2 Primary Method Used To Access Bank Account By Banking Status And Household Characteristics, 2013
For all banked households that accessed their account in the last 12 months, row percent
Number of
Households
(1000s)
Percent of
Households
Bank Teller
(Percent)
ATM/Kiosk
(Percent)
Telephone
Banking
(Percent)
Online
Banking
(Percent)
Mobile
Banking
(Percent)
Other
(Percent)
Unknown
(Percent)
68,510
100
24.7
24.8
3.0
38.9
7.5
0.3
0.8
4,021
100
28.7
27.5
3.6
31.1
8.3
0.3
0.5
35,764
100
47.1
23.2
3.9
21.5
2.0
1.7
0.6
Less than $15,000
12,653
100
47.5
27.1
4.2
14.5
4.0
2.2
0.5
Between $15,000 and $30,000
18,082
100
44.9
26.3
4.4
17.3
5.3
1.3
0.4
Between $30,000 and $50,000
22,061
100
35.7
26.3
3.7
26.7
6.3
0.7
0.6
Between $50,000 and $75,000
21,131
100
28.3
24.0
3.1
36.8
6.4
0.4
1.0
At Least $75,000
34,368
100
20.1
21.4
2.3
49.4
5.7
0.3
0.8
Homeowner
74,146
100
34.1
22.0
3.0
35.4
3.9
0.8
0.7
Non-homeowner
34,149
100
28.2
29.5
4.0
27.4
9.6
0.7
0.7
Northeast
19,688
100
32.9
29.5
2.8
29.4
3.9
0.6
0.7
Midwest
24,167
100
35.6
22.1
3.1
33.1
4.4
0.9
0.7
South
40,149
100
33.3
23.2
3.9
31.4
6.7
0.8
0.7
West
24,290
100
26.4
24.5
2.9
37.9
6.7
0.8
0.8
Metropolitan area - Principal City
29,143
100
28.9
26.8
3.4
32.9
6.8
0.5
0.7
Metropolitan area - Balance
45,865
100
29.1
23.6
3.0
37.0
6.0
0.6
0.8
Not in Metropolitan area
16,645
100
44.9
22.7
3.9
23.2
3.2
1.6
0.6
Not Identified
16,642
100
34.0
24.0
3.4
31.1
5.5
1.0
0.8
Characteristics
Employment Status
Employed
Unemployed
Not in labor force
Family Income
Homeownership
Geographic Region
Metropolitan Status
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
111
F-3 Banking Status And Household Characteristics By Use Of Bank Teller
For all banked households that accessed their account in the last 12 months, column percent
Characteristics
Number of Households (1000s)
All
Bank teller and other methods
used
Bank teller only
No Bank Teller but other
methods used
108,295
18,919
66,409
22,967
100
100
100
100
Banked: Underbanked
22.5
17.8
24.0
22.1
Banked: Fully Banked
75.0
78.6
73.9
75.1
2.5
3.6
2.1
2.8
Married couple
50.6
42.1
54.9
45.0
Unmarried female-headed family
11.3
9.8
11.1
13.0
Percent of Households
Unbanked and Underbanked (Percent)
Banked: Underbanked Status Unknown
Household Type (Percent)
Unmarried male-headed family
4.9
4.8
4.8
5.1
Female individual
17.6
25.9
14.7
18.9
Male individual
15.6
17.4
14.4
17.9
0.1
-
0.1
0.1
Black
11.5
12.3
10.7
13.2
Hispanic
10.8
12.3
9.6
13.2
Asian
5.0
4.7
4.9
5.6
American Indian/Alaskan
1.1
1.1
1.0
1.1
Other
Race/Ethnicity (Percent)
Hawaiian/Pacific Islander
0.3
0.1
0.3
0.2
White non-Black non-Hispanic
71.3
69.4
73.5
66.7
Other non-Black non-Hispanic
-
-
-
-
98.5
96.8
99.0
98.4
1.5
3.2
1.0
1.6
Spanish only language spoken (Percent)
Spanish is not the only language spoken
Spanish is only language spoken
Nativity (Percent)
U.S.-born
86.9
83.7
88.3
85.3
Foreign born citizen
7.6
9.7
7.0
7.9
Foreign born non citizen
5.5
6.6
4.7
6.9
15 to 24 years
4.7
2.6
4.8
6.0
25 to 34 years
15.9
6.4
16.9
21.0
35 to 44 years
17.2
8.7
19.1
18.7
45 to 54 years
20.0
14.0
21.4
21.0
55 to 64 years
18.9
19.2
19.6
16.5
65 years or more
23.3
49.1
18.2
16.8
Age Group (Percent)
Disability Status (Percent)
Disabled
7.7
8.6
7.0
9.0
Not Disabled
64.3
39.7
69.9
68.2
Not Applicable
28.0
51.7
23.1
22.8
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
112
F-3 Banking Status And Household Characteristics By Use Of Bank Teller
For all banked households that accessed their account in the last 12 months, column percent
Characteristics
All
Bank teller and other methods
used
Bank teller only
No Bank Teller but other
methods used
Education (Percent)
No high school degree
8.8
19.8
5.7
8.7
High school degree
26.0
36.8
23.2
25.5
Some college
30.0
25.5
31.4
29.6
College degree
35.2
17.9
39.7
36.2
63.3
39.6
69.1
65.9
Employment Status (Percent)
Employed
Unemployed
3.7
2.7
3.7
4.4
33.0
57.7
27.2
29.6
Less than $15,000
11.7
22.6
8.0
13.4
Between $15,000 and $30,000
16.7
27.3
13.8
16.3
Between $30,000 and $50,000
20.4
22.2
20.1
19.6
Between $50,000 and $75,000
19.5
14.1
21.2
19.1
At Least $75,000
31.7
13.8
36.9
31.7
Homeowner
68.5
72.0
70.2
60.6
Non-homeowner
31.5
28.0
29.8
39.4
Northeast
18.2
18.1
18.6
17.1
Midwest
22.3
25.0
22.5
19.5
South
37.1
41.1
35.4
38.7
West
22.4
15.7
23.6
24.7
Metropolitan area - Principal City
26.9
24.2
26.7
29.7
Metropolitan area - Balance
42.4
36.2
43.6
43.9
Not in Metropolitan area
15.4
23.6
14.2
11.9
Not Identified
15.4
16.0
15.5
14.5
Not in labor force
Family Income (Percent)
Homeownership (Percent)
Geographic Region (Percent)
Metropolitan Status (Percent)
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
113
F-4 Mobile Banking Activities By Banking Status, 2013
For all banked households that used mobile banking in the last 12 months, column percent
Characteristics
Number of Households (1000s)
All
Banked: Underbanked
Banked: Fully Banked
Banked: Underbanked
Status Unknown
25,165
7,121
17,644
400
100
100
100
100
Yes
67.9
69.5
68.0
38.8
No
30.2
29.7
30.3
31.3
1.9
0.8
1.7
29.9
Yes
86.0
88.5
85.7
55.0
No
12.1
10.6
12.6
15.0
1.9
0.8
1.7
29.9
Yes
59.7
59.5
60.0
47.2
No
38.5
39.6
38.3
22.9
1.9
0.8
1.7
29.9
Yes
46.2
51.5
44.6
26.9
No
51.9
47.6
53.8
43.1
1.9
0.8
1.7
29.9
Yes
26.6
29.0
25.8
17.2
No
71.6
70.2
72.5
52.9
1.9
0.8
1.7
29.9
Yes
55.5
54.9
56.2
32.4
No
42.6
44.3
42.1
37.7
1.9
0.8
1.7
29.9
Yes
25.5
24.8
26.1
13.4
No
72.6
74.4
72.2
56.7
1.9
0.8
1.7
29.9
Yes
33.1
38.0
31.4
20.1
No
65.1
61.2
67.0
50.0
1.9
0.8
1.7
29.9
Yes
3.0
2.3
3.3
5.2
No
95.1
96.9
95.0
64.8
1.9
0.8
1.7
29.9
Percent of Households
Downloaded or use bank mobile app (Percent)
Unknown
Checked balance or transactions (Percent)
Unknown
Bill payment (Percent)
Unknown
Text message alert (Percent)
Unknown
Sent money to other people (Percent)
Unknown
Transferred money between accounts (Percent)
Unknown
Deposited a check electronically (Percent)
Unknown
Located the closest in-network ATM or bank branch (Percent)
Unknown
Other (Percent)
Unknown
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
114
Appendix G – State Tables
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
115
G-1 Banking Status By State, 2013
For all households, row percent
Percent of Households
123,750
100
7.7
20.0
67.0
5.3
AL
2,057
100
9.2
26.4
59.1
5.2
AK
277
100
1.9
19.3
70.6
8.3
AZ
2,542
100
12.8
17.6
65.1
4.5
AR
1,242
100
12.3
25.7
58.9
3.1
CA
13,537
100
8.0
17.0
69.1
5.8
CO
2,121
100
6.4
17.3
72.5
3.7
CT
1,442
100
5.6
14.4
75.2
4.8
DE
373
100
6.1
18.5
68.1
7.3
DC
332
100
11.8
24.8
58.0
5.5
FL
8,107
100
6.2
19.1
65.1
9.6
GA
3,934
100
10.9
26.9
57.5
4.7
HI
472
100
3.8
19.7
70.4
6.1
ID
622
100
5.4
19.0
72.4
3.3
IL
5,073
100
7.4
14.6
72.3
5.7
IN
2,647
100
7.2
17.6
72.1
3.1
IA
1,264
100
4.5
14.4
75.0
6.1
KS
1,181
100
6.0
22.9
68.6
2.6
KY
1,844
100
9.7
23.5
64.2
2.5
LA
1,786
100
13.9
24.5
58.3
3.3
ME
562
100
2.4
19.2
74.5
3.9
MD
2,277
100
4.8
23.9
68.0
3.3
MA
2,661
100
5.8
17.2
72.3
4.6
MI
3,911
100
5.7
18.1
69.0
7.2
MN
2,177
100
3.6
12.3
81.9
2.3
MS
1,126
100
14.5
32.8
49.5
3.1
MO
2,485
100
8.9
20.4
66.5
4.1
MT
426
100
6.6
17.0
70.0
6.5
NE
781
100
5.7
20.1
70.6
3.6
NV
1,134
100
7.9
24.7
62.1
5.3
NH
544
100
2.9
13.9
78.1
5.1
NJ
3,283
100
8.2
19.6
67.9
4.2
NM
857
100
10.9
22.5
62.1
4.6
NY
7,736
100
8.5
19.6
65.2
6.7
NC
3,843
100
8.4
21.5
63.7
6.4
ND
297
100
2.8
20.0
72.8
4.4
OH
4,786
100
7.2
20.0
65.0
7.8
OK
1,569
100
10.9
22.2
63.2
3.8
OR
1,590
100
4.5
17.1
71.9
6.5
PA
All
Unbanked (Percent)
Banked: Underbanked
(Percent)
Banked: Fully Banked
(Percent)
Banked: Underbanked
Status Unknown
(Percent)
Number of Households
(1000s)
Characteristics
State
5,267
100
5.2
22.2
67.3
5.3
RI
434
100
6.2
14.0
72.6
7.2
SC
1,945
100
10.5
25.6
61.8
2.1
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
116
G-1 Banking Status By State, 2013
For all households, row percent
Number of Households
(1000s)
Percent of Households
SD
334
100
TN
2,627
TX
9,678
UT
Characteristics
Unbanked (Percent)
Banked: Underbanked
(Percent)
Banked: Fully Banked
(Percent)
Banked: Underbanked
Status Unknown
(Percent)
4.2
19.9
72.1
3.7
100
9.7
18.7
67.8
3.8
100
10.4
27.4
58.9
3.2
972
100
3.3
13.0
81.5
2.1
VT
269
100
3.1
16.2
76.8
4.0
VA
3,206
100
6.5
19.5
66.4
7.6
WA
2,699
100
4.1
17.2
73.4
5.2
WV
791
100
11.0
19.0
65.0
4.9
2,380
100
4.8
10.4
80.7
4.1
249
100
5.6
21.8
68.0
4.6
WI
WY
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
117
G-2 Unbanked Rates By State And Year, 2011-2013
Characteristics
2011
2013
Estimate Diff from 2011
State
AL
10.2
9.2
-1.0
AK
5.2
1.9
-3.24*
AZ
11.6
12.8
1.2
AR
12.3
12.3
-0.0
CA
7.8
8.0
0.2
CO
5.4
6.4
1.0
CT
5.3
5.6
0.3
DE
6.7
6.1
-0.6
DC
10.9
11.8
0.9
FL
7.3
6.2
-1.1
GA
11.5
10.9
-0.7
HI
3.8
3.8
0.0
ID
5.7
5.4
-0.3
IL
7.6
7.4
-0.1
IN
7.8
7.2
-0.6
IA
4.4
4.5
0.2
KS
7.1
6.0
-1.1
KY
9.9
9.7
-0.1
LA
11.5
13.9
2.4
ME
3.7
2.4
-1.4
MD
5.6
4.8
-0.9
MA
4.9
5.8
0.9
MI
7.7
5.7
-2.02*
MN
4.1
3.6
-0.6
MS
15.1
14.5
-0.6
MO
9.5
8.9
-0.6
MT
4.8
6.6
1.8
NE
3.7
5.7
2.0
NV
7.5
7.9
0.5
NH
1.9
2.9
1.0
NJ
6.6
8.2
1.6
NM
11.5
10.9
-0.6
NY
9.6
8.5
-1.1
NC
9.3
8.4
-0.8
ND
5.3
2.8
-2.52*
OH
8.8
7.2
-1.6
OK
10.9
10.9
-0.0
OR
4.3
4.5
0.2
PA
6.1
5.2
-0.9
RI
7.0
6.2
-0.8
SC
9.3
10.5
1.2
SD
4.4
4.2
-0.2
TN
10.9
9.7
-1.1
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
118
G-2 Unbanked Rates By State And Year, 2011-2013
Characteristics
2011
2013
Estimate Diff from 2011
TX
12.8
10.4
-2.32*
UT
2.8
3.3
0.5
VT
3.4
3.1
-0.3
VA
6.6
6.5
-0.1
WA
4.5
4.1
-0.3
WV
9.5
11.0
1.5
WI
4.5
4.8
0.2
WY
5.8
5.6
-0.2
* Indicates differences that are statistically significant at the 10% level.
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to
be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
119
G-3 Bank Account Type By State, 2013
Characteristics
All
Number of
Households (1000s)
Percent of
Households
Unbanked (Percent)
Checking and
Savings (Percent)
Savings Only
(Percent)
Checking Only
(Percent)
Banked, Account
Type Unknown
(Percent)
123,750
100
7.7
66.8
2.0
21.7
1.8
2,057
100
9.2
54.0
5.4
29.7
1.7
AK
277
100
1.9
85.1
1.7
8.9
2.5
AZ
2,542
100
12.8
63.0
0.3
22.1
1.8
AR
1,242
100
12.3
45.6
3.8
37.1
1.2
CA
13,537
100
8.0
69.4
1.7
18.6
2.2
CO
2,121
100
6.4
76.8
0.8
15.0
1.1
CT
1,442
100
5.6
78.0
1.2
14.2
1.0
DE
373
100
6.1
70.6
2.1
18.7
2.5
DC
332
100
11.8
70.0
1.2
14.8
2.3
FL
8,107
100
6.2
62.3
1.5
27.1
2.9
GA
3,934
100
10.9
62.2
1.8
23.9
1.3
472
100
3.8
76.9
1.6
16.2
1.5
ID
622
100
5.4
73.4
1.4
19.4
0.5
IL
5,073
100
7.4
68.3
2.6
20.2
1.6
IN
2,647
100
7.2
66.4
2.7
22.3
1.3
IA
1,264
100
4.5
75.2
2.0
16.4
1.8
KS
1,181
100
6.0
65.5
2.7
24.8
1.0
KY
1,844
100
9.7
53.5
1.2
34.3
1.2
LA
1,786
100
13.9
55.5
2.6
26.7
1.3
ME
562
100
2.4
76.2
3.7
16.6
1.1
MD
2,277
100
4.8
74.7
1.7
17.4
1.5
MA
2,661
100
5.8
72.5
2.9
17.4
1.4
MI
3,911
100
5.7
72.8
2.9
15.1
3.5
MN
2,177
100
3.6
77.9
2.3
15.8
0.4
MS
1,126
100
14.5
46.9
2.5
34.6
1.5
MO
2,485
100
8.9
63.5
1.7
24.5
1.3
MT
426
100
6.6
69.0
3.2
19.2
2.0
NE
781
100
5.7
69.9
2.6
21.0
0.8
NV
1,134
100
7.9
67.7
0.9
22.5
1.0
NH
544
100
2.9
74.2
2.5
19.2
1.2
NJ
3,283
100
8.2
67.8
0.8
21.9
1.3
NM
857
100
10.9
66.1
1.7
20.6
0.7
NY
7,736
100
8.5
68.7
2.9
17.5
2.3
NC
3,843
100
8.4
64.2
2.9
22.6
1.9
ND
297
100
2.8
74.7
2.7
19.3
0.6
OH
4,786
100
7.2
62.9
2.3
23.2
4.4
OK
1,569
100
10.9
56.9
1.8
29.0
1.4
OR
1,590
100
4.5
79.9
1.1
12.7
1.8
PA
State
AL
HI
5,267
100
5.2
66.0
1.5
25.8
1.5
RI
434
100
6.2
74.2
2.3
14.8
2.4
SC
1,945
100
10.5
58.2
2.8
27.8
0.6
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
120
G-3 Bank Account Type By State, 2013
Characteristics
Number of
Households (1000s)
Percent of
Households
Savings Only
(Percent)
Checking Only
(Percent)
Banked, Account
Type Unknown
(Percent)
Unbanked (Percent)
Checking and
Savings (Percent)
4.2
74.2
2.3
18.0
1.3
SD
334
100
TN
2,627
100
9.7
59.4
1.9
27.0
2.0
TX
9,678
100
10.4
61.9
1.9
24.4
1.4
UT
972
100
3.3
84.7
2.7
8.8
0.5
VT
269
100
3.1
68.7
1.7
25.2
1.4
VA
3,206
100
6.5
68.5
1.2
22.4
1.4
WA
2,699
100
4.1
81.6
0.3
12.7
1.3
WV
791
100
11.0
51.7
2.3
34.0
1.0
2,380
100
4.8
74.6
2.5
16.5
1.6
249
100
5.6
73.8
4.1
13.9
2.6
WI
WY
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
121
G-4 Savings Account Ownership Rate By State And Year, 2011-2013
Characteristics
2011
2013
Estimate Diff from 2011
State
AL
62.6
59.3
-3.3
AK
83.8
86.7
2.9
AZ
71.4
63.4
-7.97*
AR
45.8
49.4
3.6
CA
72.1
71.2
-0.9
CO
75.4
77.5
2.1
CT
77.1
79.2
2.0
DE
68.0
72.7
4.72*
DC
70.2
71.1
1.0
FL
66.3
63.9
-2.5
GA
60.9
64.0
3.0
HI
78.6
78.5
-0.0
ID
76.1
74.8
-1.3
IL
68.1
70.8
2.78*
IN
68.6
69.3
0.7
IA
74.7
77.2
2.5
KS
67.8
68.3
0.5
KY
58.8
54.8
-4.0
LA
58.9
58.1
-0.8
ME
79.3
80.1
0.9
MD
75.0
76.3
1.3
MA
79.0
75.4
-3.6
MI
74.9
75.7
0.8
MN
76.0
80.2
4.15*
MS
51.8
49.4
-2.5
MO
64.7
65.3
0.6
MT
72.3
72.2
-0.1
NE
73.3
72.4
-0.9
NV
68.5
68.6
0.1
NH
79.1
76.8
-2.2
NJ
74.5
68.6
-5.94*
NM
67.8
67.8
0.0
NY
71.7
71.7
-0.1
NC
66.4
67.1
0.7
ND
75.4
77.3
1.9
OH
68.1
65.6
-2.5
OK
60.0
58.6
-1.4
OR
80.0
81.1
1.1
PA
68.6
67.5
-1.1
RI
72.0
76.7
4.69*
SC
62.9
61.0
-1.9
SD
76.4
76.4
0.1
TN
59.3
61.3
2.0
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
122
G-4 Savings Account Ownership Rate By State And Year, 2011-2013
Characteristics
2011
2013
Estimate Diff from 2011
TX
62.8
63.9
1.2
UT
83.7
87.4
3.78*
VT
76.1
70.3
-5.74*
VA
68.3
69.8
1.5
WA
84.4
81.8
-2.6
WV
52.1
54.0
1.8
WI
80.5
77.1
-3.4
WY
74.0
77.8
3.8
* Indicates differences that are statistically significant at the 10% level.
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to
be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
123
G-5 Prepaid Debit Card Use in Last 12 Months by State, 2013
For all households, row percent
Number of Households
(1000s)
Percent of Households
Used in last 12 months
(Percent)
Used but not in last 12
months (Percent)
123,750
100
7.9
4.1
82.3
5.7
AL
2,057
100
6.8
4.3
84.5
4.5
AK
277
100
7.8
6.3
78.5
7.5
AZ
2,542
100
6.4
2.7
87.0
3.9
AR
1,242
100
10.2
3.2
82.0
4.6
CA
13,537
100
7.0
3.5
83.3
6.2
CO
2,121
100
9.4
4.3
81.7
4.6
CT
1,442
100
6.5
3.0
85.6
4.8
DE
373
100
5.8
4.3
82.3
7.6
DC
332
100
9.0
5.1
78.2
7.6
FL
8,107
100
7.6
4.0
78.2
10.2
GA
3,934
100
9.1
4.5
81.4
5.1
HI
472
100
3.5
5.3
85.1
6.2
ID
622
100
5.9
3.4
88.2
2.5
IL
5,073
100
8.0
3.4
83.1
5.5
IN
2,647
100
9.0
4.1
82.5
4.4
IA
1,264
100
10.1
4.1
79.7
6.1
KS
1,181
100
9.8
5.9
81.7
2.7
KY
1,844
100
10.2
4.8
82.1
3.0
LA
1,786
100
8.2
3.7
84.8
3.3
ME
562
100
8.7
5.7
81.3
4.3
MD
2,277
100
6.7
3.0
86.6
3.7
MA
2,661
100
5.1
2.6
87.5
4.9
MI
3,911
100
8.2
4.3
80.2
7.3
MN
2,177
100
8.2
4.0
85.5
2.3
MS
1,126
100
14.9
8.2
71.4
5.5
MO
2,485
100
9.6
4.4
81.3
4.7
MT
426
100
5.2
3.2
84.7
7.0
NE
781
100
8.1
5.1
82.7
4.1
NV
1,134
100
7.1
4.5
82.5
5.9
NH
544
100
9.4
4.2
81.6
4.8
NJ
Characteristics
All
Never Used (Percent)
Unknown (Percent)
State
3,283
100
7.0
3.1
84.4
5.5
NM
857
100
9.6
4.3
80.0
6.1
NY
7,736
100
6.8
3.7
82.1
7.4
NC
3,843
100
6.6
2.7
84.0
6.8
ND
297
100
9.5
5.3
80.8
4.4
OH
4,786
100
9.4
5.3
78.0
7.3
OK
1,569
100
12.9
6.1
77.0
4.0
OR
1,590
100
7.6
4.5
81.7
6.1
PA
5,267
100
6.1
4.3
84.0
5.6
RI
434
100
9.6
4.1
77.8
8.6
SC
1,945
100
8.1
4.8
84.4
2.8
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
124
G-5 Prepaid Debit Card Use in Last 12 Months by State, 2013
For all households, row percent
Number of Households
(1000s)
Percent of Households
Used in last 12 months
(Percent)
Used but not in last 12
months (Percent)
SD
334
100
8.5
5.4
81.5
4.6
TN
2,627
100
8.5
4.1
83.2
4.1
TX
9,678
100
9.3
4.1
82.3
4.3
UT
972
100
7.6
4.2
85.3
2.8
VT
269
100
6.8
4.4
85.1
3.8
VA
3,206
100
6.3
5.6
78.7
9.4
WA
2,699
100
6.2
4.2
83.9
5.6
Characteristics
WV
WI
WY
Never Used (Percent)
Unknown (Percent)
791
100
6.3
3.1
86.1
4.5
2,380
100
10.4
4.6
80.7
4.2
249
100
7.1
5.7
81.7
5.5
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
125
G-6 AFS Recency Of Use By State, 2013
For all households, row percent
Characteristics
All
Number of
Households (1000s)
Percent of
Households
Used: in last 30 days
(Percent)
Used: Not in last 30
days but in last 12
months (Percent)
Used: Not in last 12
months (Percent)
Never Used (Percent)
Use Unknown
(Percent)
123,750
100
12.0
12.9
14.4
55.3
5.4
AL
2,057
100
14.6
19.0
20.4
40.7
5.2
AK
277
100
9.2
11.5
20.7
51.1
7.6
AZ
2,542
100
10.0
13.0
12.7
60.1
4.2
AR
1,242
100
16.7
17.6
17.2
45.5
2.9
CA
13,537
100
11.1
11.2
12.2
59.5
5.9
CO
2,121
100
11.1
10.9
14.9
58.8
4.4
CT
1,442
100
7.5
10.3
9.8
68.2
4.3
DE
373
100
8.9
12.5
15.5
55.7
7.4
DC
332
100
16.9
13.7
16.7
46.3
6.4
FL
8,107
100
10.4
12.3
13.8
53.9
9.7
GA
3,934
100
17.1
16.8
15.6
45.9
4.6
HI
472
100
6.6
14.8
9.3
63.4
5.9
ID
622
100
12.2
11.1
20.3
53.2
3.2
IL
5,073
100
10.0
9.2
11.4
63.7
5.7
IN
2,647
100
11.2
10.5
14.2
60.2
3.7
IA
1,264
100
7.7
10.2
11.3
65.0
5.8
KS
1,181
100
14.0
13.0
18.4
52.2
2.4
KY
1,844
100
14.1
15.7
16.3
51.5
2.3
LA
1,786
100
17.0
15.7
14.2
49.9
3.2
ME
562
100
7.8
12.9
17.2
58.4
3.8
MD
2,277
100
12.8
13.9
13.1
57.0
3.2
MA
2,661
100
9.6
11.2
10.8
63.6
4.8
MI
3,911
100
10.6
10.8
15.0
56.9
6.6
MN
2,177
100
7.5
7.4
13.9
68.8
2.3
MS
1,126
100
19.1
21.3
19.0
35.7
4.8
MO
2,485
100
12.0
13.4
15.6
54.4
4.6
MT
426
100
9.2
12.3
14.8
56.9
6.8
NE
781
100
12.9
10.7
15.7
57.4
3.3
NV
1,134
100
15.3
14.6
17.1
47.2
5.7
NH
544
100
7.1
8.8
15.8
63.5
4.7
NJ
3,283
100
9.8
15.5
15.8
54.0
4.8
NM
857
100
15.1
14.9
12.8
52.3
5.0
NY
7,736
100
11.3
13.6
14.6
53.6
6.9
NC
3,843
100
10.1
16.4
12.4
54.7
6.4
ND
297
100
7.5
14.1
13.0
61.5
3.8
OH
4,786
100
12.1
13.1
17.0
49.8
8.0
OK
1,569
100
16.7
12.7
16.1
50.6
3.9
OR
1,590
100
8.6
12.0
18.3
54.9
6.3
PA
State
5,267
100
11.6
13.9
15.1
54.1
5.3
RI
434
100
7.2
9.5
12.3
63.5
7.5
SC
1,945
100
15.9
16.4
15.6
49.6
2.5
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
126
G-6 AFS Recency Of Use By State, 2013
For all households, row percent
Characteristics
Number of
Households (1000s)
Percent of
Households
Used: in last 30 days
(Percent)
Used: Not in last 30
days but in last 12
months (Percent)
Used: Not in last 12
months (Percent)
Never Used (Percent)
Use Unknown
(Percent)
SD
334
100
8.3
12.9
12.5
62.2
4.2
TN
2,627
100
12.9
11.0
15.6
56.3
4.2
TX
9,678
100
20.0
14.3
15.0
47.1
3.6
UT
972
100
5.2
9.8
15.6
66.8
2.6
VT
269
100
8.7
9.7
16.0
61.8
3.8
VA
3,206
100
8.8
14.7
12.5
55.8
8.3
WA
2,699
100
9.1
11.1
18.5
56.3
5.0
WV
791
100
13.3
13.9
13.4
53.7
5.7
2,380
100
7.3
6.0
12.3
70.1
4.3
249
100
13.2
12.0
17.0
53.1
4.6
WI
WY
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
127
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
128
Appendix H – MSA Tables
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
129
H-1 Banking Status By MSA, 2013
For all households, row percent
Characteristics
All
Number of
Households (1000s)
Percent of
Households
Unbanked (Percent)
Banked:
Underbanked
(Percent)
Banked: Fully
Banked (Percent)
Banked:
Underbanked Status
Unknown (Percent)
99,360
100
7.6
19.8
67.0
5.5
397
100
11.1
24.4
60.3
4.2
2,169
100
9.1
27.9
57.8
5.3
Austin-Round Rock, TX
682
100
1.3
16.6
77.7
4.4
Baltimore-Towson, MD
1,046
100
5.3
25.4
65.3
4.0
Birmingham-Hoover, AL
575
100
5.7
25.1
64.0
5.2
Boise City-Nampa, ID
246
100
6.9
16.3
74.5
2.3
MSA
Albuquerque, NM
Atlanta-Sandy Springs-Marietta, GA
Boston-Cambridge-Quincy, MA-NH
1,843
100
6.6
15.3
73.9
4.2
Bridgeport-Stamford-Norwalk, CT
375
100
4.0
10.4
80.1
5.5
Buffalo-Niagara Falls, NY
461
100
8.4
12.1
74.3
5.1
Burlington-South Burlington, VT
79
100
0.6
17.3
77.0
5.1
715
100
7.7
28.3
61.9
2.0
Chicago-Naperville-Joliet, IL-IN-WI
3,531
100
7.6
13.5
72.4
6.6
Cincinnati-Middletown, OH-KY-IN
914
100
9.0
21.5
60.9
8.6
Cleveland-Elyria-Mentor, OH
902
100
6.2
17.2
70.2
6.4
Columbia, SC
359
100
12.5
27.2
59.6
0.7
Charlotte-Gastonia-Concord, NC-SC
Columbus, OH
760
100
7.8
25.6
65.4
1.2
Dallas-Fort Worth-Arlington, TX
2,547
100
8.4
27.3
60.4
3.9
Denver-Aurora, CO
1,105
100
7.5
16.2
73.7
2.6
Des Moines, IA
240
100
6.8
16.2
67.3
9.7
1,768
100
8.2
18.4
64.0
9.5
Dover, DE
59
100
16.6
15.1
51.2
17.0
Fargo, ND-MN
82
100
6.6
21.9
70.3
1.1
Grand Rapids-Wyoming, MI
396
100
3.5
13.9
79.1
3.6
Hartford-West Hartford-East Hartford, CT
452
100
6.4
16.6
73.5
3.5
Honolulu, HI
327
100
4.7
19.7
68.6
6.9
Detroit-Warren-Livonia, MI
Houston-Baytown-Sugar Land, TX
2,349
100
11.5
29.1
55.2
4.3
Indianapolis, IN
735
100
11.0
18.0
70.4
0.6
Jacksonville, FL
561
100
1.9
29.9
64.8
3.4
Kansas City, MO-KS
801
100
12.1
19.4
65.6
2.9
Las Vegas-Paradise, NV
849
100
6.9
25.0
62.0
6.1
Little Rock-North Little Rock, AR
367
100
10.4
24.4
63.9
1.3
Los Angeles-Long Beach-Santa Ana, CA
4,500
100
9.6
17.5
67.4
5.4
Louisville, KY-IN
587
100
5.2
25.8
66.2
2.9
Madison, WI
284
100
7.0
7.4
78.6
7.0
Memphis, TN-MS-AR
Miami-Fort Lauderdale-Miami Beach, FL
Milwaukee-Waukesha-West Allis, WI
555
100
19.5
24.2
48.7
7.6
2,374
100
7.3
13.9
66.1
12.7
639
100
7.1
10.8
76.8
5.3
1,364
100
3.8
12.6
81.5
2.2
Nashville-Davidson-Murfreesboro, TN
646
100
9.4
18.4
68.5
3.8
New Haven, CT
300
100
7.7
11.2
79.0
2.1
New Orleans-Metairie-Kenner, LA
486
100
13.2
16.7
66.2
3.9
Minneapolis-St Paul-Bloomington, MN-WI
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
130
H-1 Banking Status By MSA, 2013
For all households, row percent
Characteristics
New York-Northern New Jersey-Long
Island, NY-NJ-PA
Number of
Households (1000s)
Percent of
Households
Unbanked (Percent)
Banked:
Underbanked
(Percent)
Banked: Fully
Banked (Percent)
Banked:
Underbanked Status
Unknown (Percent)
7,234
100
9.6
19.5
64.3
6.6
Oklahoma City, OK
563
100
8.5
24.0
64.5
3.0
Omaha-Council Bluffs, NE-IA
344
100
6.5
23.3
66.7
3.5
Orlando, FL
831
100
9.9
25.2
57.1
7.8
Philadelphia-Camden-Wilmington,
PA-NJ-DE
2,428
100
7.0
21.7
64.3
7.0
Phoenix-Mesa-Scottsdale, AZ
1,652
100
16.3
14.8
63.7
5.2
Pittsburgh, PA
1,048
100
4.9
22.9
69.7
2.5
Portland-South Portland, ME
145
100
1.7
12.8
80.1
5.4
Portland-Vancouver-Beaverton, OR-WA
924
100
3.7
16.8
74.9
4.6
Providence-Fall River-Warwick, RI-MA
556
100
5.8
15.7
67.9
10.6
Raleigh-Cary, NC
480
100
5.2
12.0
70.1
12.7
Richmond, VA
422
100
4.0
20.3
69.8
5.9
Riverside-San Bernardino-Ontario, CA
1,459
100
9.1
18.4
64.9
7.6
Rochester, NY
476
100
2.4
16.8
79.0
1.8
Sacramento--Arden-Arcade-Roseville, CA
957
100
5.8
21.8
71.5
0.9
Salt Lake City, UT
413
100
2.7
14.3
80.8
2.3
San Antonio, TX
929
100
8.1
27.6
62.0
2.3
San Diego-Carlsbad-San Marcos, CA
1,105
100
3.4
18.2
70.4
8.0
San Francisco-Oakland-Fremont, CA
1,925
100
5.7
12.6
74.3
7.3
San Jose-Sunnyvale-Santa Clara, CA
Seattle-Tacoma-Bellevue, WA
Sioux Falls, SD
640
100
5.0
12.7
77.4
4.9
1,413
100
3.5
15.7
77.4
3.5
98
100
4.8
18.6
69.3
7.3
St. Louis, MO-IL
1,141
100
4.2
19.2
72.7
3.8
Tampa-St. Petersburg-Clearwater, FL
1,418
100
4.9
19.8
69.9
5.3
Tulsa, OK
380
100
11.0
21.4
66.6
1.0
Virginia Beach-Norfolk-Newport News,
VA-NC
665
100
7.8
28.5
56.8
6.9
2,330
100
4.3
19.8
69.4
6.5
263
100
10.0
23.1
63.1
3.7
Washington-Arlington-Alexandria,
DC-VA-MD-WV
Wichita, KS
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
131
H-2 Unbanked Rates By MSA And Year, 2011-2013
Characteristics
2011
2013
Estimate Diff from 2011
MSA
Albuquerque, NM
Atlanta-Sandy Springs-Marietta, GA
7.2
11.1
3.9
9.7
9.1
-0.7
10.2
1.3
-8.91*
Baltimore-Towson, MD
7.5
5.3
-2.2
Birmingham-Hoover, AL
12.1
5.7
-6.41*
Boise City-Nampa, ID
2.9
6.9
4.1
Boston-Cambridge-Quincy, MA-NH
4.2
6.6
2.4
Bridgeport-Stamford-Norwalk, CT
1.6
4.0
2.4
Buffalo-Niagara Falls, NY
8.6
8.4
-0.1
Burlington-South Burlington, VT
1.7
0.6
-1.1
Charlotte-Gastonia-Concord, NC-SC
8.9
7.7
-1.2
Chicago-Naperville-Joliet, IL-IN-WI
8.6
7.6
-1.0
Cincinnati-Middletown, OH-KY-IN
Austin-Round Rock, TX
10.3
9.0
-1.2
Cleveland-Elyria-Mentor, OH
8.5
6.2
-2.3
Columbia, SC
7.4
12.5
5.2
Columbus, OH
8.1
7.8
-0.4
Dallas-Fort Worth-Arlington, TX
9.8
8.4
-1.4
Denver-Aurora, CO
5.2
7.5
2.3
Des Moines, IA
7.0
6.8
-0.2
Detroit-Warren-Livonia, MI
10.7
8.2
-2.5
Dover, DE
7.4
16.6
9.2*
Fargo, ND-MN
5.2
6.6
1.5
Grand Rapids-Wyoming, MI
4.7
3.5
-1.2
Hartford-West Hartford-East Hartford, CT
5.3
6.4
1.2
Honolulu, HI
2.8
4.7
1.9
11.9
11.5
-0.4
Indianapolis, IN
8.5
11.0
2.5
Jacksonville, FL
6.0
1.9
-4.15*
Houston-Baytown-Sugar Land, TX
Kansas City, MO-KS
10.0
12.1
2.2
Las Vegas-Paradise, NV
6.2
6.9
0.8
Little Rock-North Little Rock, AR
7.8
10.4
2.6
Los Angeles-Long Beach-Santa Ana, CA
9.7
9.6
-0.0
Louisville, KY-IN
8.4
5.2
-3.3
Madison, WI
Memphis, TN-MS-AR
Miami-Fort Lauderdale-Miami Beach, FL
1.0
7.0
5.95*
11.1
19.5
8.42*
9.0
7.3
-1.7
10.8
7.1
-3.8
Minneapolis-St Paul-Bloomington, MN-WI
5.2
3.8
-1.4
Nashville-Davidson-Murfreesboro, TN
9.5
9.4
-0.1
New Haven, CT
4.8
7.7
2.9
Milwaukee-Waukesha-West Allis, WI
New Orleans-Metairie-Kenner, LA
12.4
13.2
0.9
New York-Northern New Jersey-Long Island, NY-NJ-PA
9.7
9.6
-0.1
Oklahoma City, OK
9.3
8.5
-0.8
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
132
H-2 Unbanked Rates By MSA And Year, 2011-2013
Characteristics
2011
2013
Estimate Diff from 2011
Omaha-Council Bluffs, NE-IA
4.2
6.5
2.3
Orlando, FL
7.4
9.9
2.5
Philadelphia-Camden-Wilmington, PA-NJ-DE
7.8
7.0
-0.8
10.6
16.3
5.68*
Pittsburgh, PA
3.4
4.9
1.5
Portland-South Portland, ME
4.0
1.7
-2.3
Portland-Vancouver-Beaverton, OR-WA
3.1
3.7
0.7
Providence-Fall River-Warwick, RI-MA
7.6
5.8
-1.8
Raleigh-Cary, NC
2.6
5.2
2.7
Phoenix-Mesa-Scottsdale, AZ
Richmond, VA
6.0
4.0
-1.9
12.7
9.1
-3.6
Rochester, NY
3.9
2.4
-1.4
Sacramento--Arden-Arcade-Roseville, CA
5.4
5.8
0.5
Salt Lake City, UT
4.4
2.7
-1.8
San Antonio, TX
15.5
8.1
-7.43*
San Diego-Carlsbad-San Marcos, CA
4.5
3.4
-1.1
San Francisco-Oakland-Fremont, CA
5.9
5.7
-0.1
San Jose-Sunnyvale-Santa Clara, CA
2.4
5.0
2.6
Seattle-Tacoma-Bellevue, WA
4.0
3.5
-0.6
Sioux Falls, SD
5.2
4.8
-0.4
St. Louis, MO-IL
9.7
4.2
-5.5*
Tampa-St. Petersburg-Clearwater, FL
6.0
4.9
-1.0
Riverside-San Bernardino-Ontario, CA
Tulsa, OK
11.7
11.0
-0.7
Virginia Beach-Norfolk-Newport News, VA-NC
5.8
7.8
2.0
Washington-Arlington-Alexandria, DC-VA-MD-WV
4.6
4.3
-0.4
14.8
10.0
-4.8
Wichita, KS
* Indicates differences that are statistically significant at the 10% level.
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
133
H-3 Bank Account Type By MSA, 2013
For all households, row percent
Characteristics
All
Number of
Households
(1000s)
Percent of
Households
Unbanked
(Percent)
Checking and
Savings
(Percent)
Savings Only
(Percent)
Checking Only
(Percent)
Banked, Account
Type Unknown
(Percent)
99,360
100
7.6
68.5
1.9
20.1
1.8
397
100
11.1
67.6
1.7
18.1
1.5
2,169
100
9.1
71.6
0.9
17.0
1.5
Austin-Round Rock, TX
682
100
1.3
86.1
-
12.0
0.6
Baltimore-Towson, MD
1,046
100
5.3
74.0
1.7
17.2
1.8
Birmingham-Hoover, AL
575
100
5.7
52.5
5.1
35.0
1.8
Boise City-Nampa, ID
246
100
6.9
78.3
-
14.7
-
MSA
Albuquerque, NM
Atlanta-Sandy Springs-Marietta, GA
Boston-Cambridge-Quincy, MA-NH
1,843
100
6.6
76.2
1.3
14.2
1.7
Bridgeport-Stamford-Norwalk, CT
375
100
4.0
81.6
0.8
13.1
0.4
Buffalo-Niagara Falls, NY
461
100
8.4
70.2
1.9
17.4
2.1
Burlington-South Burlington, VT
79
100
0.6
74.9
1.4
19.9
3.2
715
100
7.7
66.8
2.5
22.4
0.5
Chicago-Naperville-Joliet, IL-IN-WI
3,531
100
7.6
70.1
2.2
18.3
1.8
Cincinnati-Middletown, OH-KY-IN
914
100
9.0
54.4
1.7
25.8
9.1
Cleveland-Elyria-Mentor, OH
902
100
6.2
61.4
3.4
27.5
1.4
Columbia, SC
359
100
12.5
60.9
0.8
25.8
-
Charlotte-Gastonia-Concord, NC-SC
Columbus, OH
760
100
7.8
72.5
-
19.0
0.8
Dallas-Fort Worth-Arlington, TX
2,547
100
8.4
66.9
1.9
21.4
1.4
Denver-Aurora, CO
1,105
100
7.5
77.0
0.5
14.2
0.8
Des Moines, IA
240
100
6.8
74.1
0.9
13.9
4.2
1,768
100
8.2
69.9
1.9
15.6
4.5
Dover, DE
59
100
16.6
60.2
4.1
11.2
7.9
Fargo, ND-MN
82
100
6.6
76.9
-
16.5
-
Grand Rapids-Wyoming, MI
396
100
3.5
76.7
1.9
16.1
1.7
Hartford-West Hartford-East Hartford, CT
452
100
6.4
73.7
1.7
16.6
1.6
Honolulu, HI
327
100
4.7
82.3
0.8
10.8
1.4
Detroit-Warren-Livonia, MI
Houston-Baytown-Sugar Land, TX
2,349
100
11.5
60.4
1.3
24.7
2.2
Indianapolis, IN
735
100
11.0
58.9
1.4
27.4
1.4
Jacksonville, FL
561
100
1.9
76.3
5.7
16.1
-
Kansas City, MO-KS
801
100
12.1
62.4
2.1
22.9
0.5
Las Vegas-Paradise, NV
849
100
6.9
66.2
1.0
24.7
1.2
Little Rock-North Little Rock, AR
367
100
10.4
54.5
3.1
31.5
0.6
Los Angeles-Long Beach-Santa Ana, CA
4,500
100
9.6
62.2
1.0
24.8
2.2
Louisville, KY-IN
587
100
5.2
65.1
-
28.4
1.3
Madison, WI
284
100
7.0
72.3
0.8
16.9
3.0
Memphis, TN-MS-AR
Miami-Fort Lauderdale-Miami Beach, FL
Milwaukee-Waukesha-West Allis, WI
555
100
19.5
55.3
0.8
21.6
2.8
2,374
100
7.3
54.8
1.2
32.6
4.1
639
100
7.1
69.2
1.3
20.0
2.5
1,364
100
3.8
80.6
2.2
13.1
0.3
Nashville-Davidson-Murfreesboro, TN
646
100
9.4
61.1
1.7
24.6
3.3
New Haven, CT
300
100
7.7
79.7
0.9
10.6
1.1
New Orleans-Metairie-Kenner, LA
486
100
13.2
58.1
2.2
24.0
2.4
Minneapolis-St Paul-Bloomington, MN-WI
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
134
H-3 Bank Account Type By MSA, 2013
For all households, row percent
Characteristics
New York-Northern New Jersey-Long
Island, NY-NJ-PA
Number of
Households
(1000s)
Percent of
Households
Unbanked
(Percent)
Checking and
Savings
(Percent)
Savings Only
(Percent)
Checking Only
(Percent)
Banked, Account
Type Unknown
(Percent)
7,234
100
9.6
68.9
2.4
17.1
2.1
Oklahoma City, OK
563
100
8.5
63.1
0.9
26.2
1.2
Omaha-Council Bluffs, NE-IA
344
100
6.5
69.9
3.4
18.6
1.6
Orlando, FL
831
100
9.9
65.6
1.5
20.4
2.6
Philadelphia-Camden-Wilmington,
PA-NJ-DE
2,428
100
7.0
66.3
2.0
23.4
1.4
Phoenix-Mesa-Scottsdale, AZ
1,652
100
16.3
61.9
0.3
19.4
2.1
Pittsburgh, PA
1,048
100
4.9
67.5
1.7
25.6
0.3
Portland-South Portland, ME
145
100
1.7
77.9
1.5
17.3
1.6
Portland-Vancouver-Beaverton, OR-WA
924
100
3.7
83.4
1.1
10.9
0.9
Providence-Fall River-Warwick, RI-MA
556
100
5.8
71.2
4.4
16.0
2.6
Raleigh-Cary, NC
480
100
5.2
75.2
2.9
16.7
-
Richmond, VA
422
100
4.0
77.2
0.9
17.9
-
Riverside-San Bernardino-Ontario, CA
1,459
100
9.1
67.3
1.4
20.5
1.8
Rochester, NY
476
100
2.4
75.9
1.7
17.9
2.1
Sacramento--Arden-Arcade-Roseville, CA
957
100
5.8
80.4
2.3
9.9
1.6
Salt Lake City, UT
413
100
2.7
88.7
-
8.2
0.5
San Antonio, TX
929
100
8.1
73.1
1.4
16.3
1.0
San Diego-Carlsbad-San Marcos, CA
1,105
100
3.4
75.8
2.1
16.6
2.1
San Francisco-Oakland-Fremont, CA
1,925
100
5.7
76.4
1.5
14.0
2.3
San Jose-Sunnyvale-Santa Clara, CA
Seattle-Tacoma-Bellevue, WA
Sioux Falls, SD
640
100
5.0
69.9
2.2
20.2
2.7
1,413
100
3.5
84.6
-
10.3
1.6
98
100
4.8
73.5
2.7
17.5
1.5
St. Louis, MO-IL
1,141
100
4.2
75.2
2.4
17.3
0.9
Tampa-St. Petersburg-Clearwater, FL
1,418
100
4.9
62.1
2.2
29.2
1.5
Tulsa, OK
380
100
11.0
60.4
1.8
26.8
-
Virginia Beach-Norfolk-Newport News,
VA-NC
665
100
7.8
68.8
1.8
19.7
1.8
2,330
100
4.3
77.6
1.2
15.3
1.6
263
100
10.0
63.9
0.5
24.9
0.7
Washington-Arlington-Alexandria,
DC-VA-MD-WV
Wichita, KS
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
135
H-4 Savings Account Ownership Rate By MSA And Year, 2011-2013
Characteristics
2011
2013
Estimate Diff from 2011
MSA
Albuquerque, NM
79.4
69.3
-10.1*
Atlanta-Sandy Springs-Marietta, GA
66.1
72.4
6.35*
Austin-Round Rock, TX
76.9
86.1
9.14*
Baltimore-Towson, MD
78.2
75.7
-2.5
Birmingham-Hoover, AL
59.2
57.5
-1.7
Boise City-Nampa, ID
74.1
78.3
4.3
Boston-Cambridge-Quincy, MA-NH
80.1
77.5
-2.6
Bridgeport-Stamford-Norwalk, CT
84.1
82.4
-1.6
Buffalo-Niagara Falls, NY
73.1
72.1
-1.0
Burlington-South Burlington, VT
80.4
76.3
-4.2
Charlotte-Gastonia-Concord, NC-SC
61.9
69.4
7.46*
Chicago-Naperville-Joliet, IL-IN-WI
66.9
72.3
5.38*
Cincinnati-Middletown, OH-KY-IN
60.6
57.3
-3.3
Cleveland-Elyria-Mentor, OH
68.4
64.9
-3.5
Columbia, SC
64.4
61.7
-2.7
Columbus, OH
71.8
72.5
0.6
Dallas-Fort Worth-Arlington, TX
68.3
68.8
0.5
Denver-Aurora, CO
76.5
77.5
0.9
Des Moines, IA
73.6
75.1
1.5
Detroit-Warren-Livonia, MI
71.7
71.7
0.1
Dover, DE
63.1
64.3
1.2
Fargo, ND-MN
76.8
76.9
0.1
Grand Rapids-Wyoming, MI
78.7
78.6
-0.1
Hartford-West Hartford-East Hartford, CT
76.4
75.4
-1.0
Honolulu, HI
80.8
83.1
2.3
Houston-Baytown-Sugar Land, TX
62.7
62.1
-0.6
Indianapolis, IN
66.7
60.3
-6.4
Jacksonville, FL
84.8
82.0
-2.7
Kansas City, MO-KS
71.2
64.5
-6.66*
Las Vegas-Paradise, NV
66.3
67.2
0.8
Little Rock-North Little Rock, AR
44.4
57.6
13.18*
Los Angeles-Long Beach-Santa Ana, CA
66.1
63.3
-2.9
Louisville, KY-IN
62.4
65.1
2.8
Madison, WI
84.2
73.2
-11.06*
Memphis, TN-MS-AR
56.7
56.1
-0.6
Miami-Fort Lauderdale-Miami Beach, FL
55.0
56.0
0.9
Milwaukee-Waukesha-West Allis, WI
71.8
70.5
-1.4
Minneapolis-St Paul-Bloomington, MN-WI
76.0
82.8
6.81*
Nashville-Davidson-Murfreesboro, TN
67.1
62.7
-4.3
New Haven, CT
72.8
80.6
7.81*
New Orleans-Metairie-Kenner, LA
62.5
60.3
-2.2
New York-Northern New Jersey-Long Island, NY-NJ-PA
72.1
71.2
-0.9
Oklahoma City, OK
64.4
64.1
-0.3
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
136
H-4 Savings Account Ownership Rate By MSA And Year, 2011-2013
Characteristics
2011
2013
Estimate Diff from 2011
Omaha-Council Bluffs, NE-IA
76.8
73.3
-3.5
Orlando, FL
72.0
67.1
-4.9
Philadelphia-Camden-Wilmington, PA-NJ-DE
70.7
68.3
-2.4
Phoenix-Mesa-Scottsdale, AZ
74.6
62.2
-12.38*
Pittsburgh, PA
65.1
69.2
4.1
Portland-South Portland, ME
79.9
79.4
-0.5
Portland-Vancouver-Beaverton, OR-WA
81.1
84.5
3.4
Providence-Fall River-Warwick, RI-MA
71.7
75.8
4.1
Raleigh-Cary, NC
73.1
78.1
5.0
Richmond, VA
69.1
78.1
9*
Riverside-San Bernardino-Ontario, CA
59.1
68.7
9.55*
Rochester, NY
71.4
77.6
6.2
Sacramento--Arden-Arcade-Roseville, CA
76.3
82.7
6.43*
Salt Lake City, UT
81.3
88.7
7.39*
San Antonio, TX
64.8
74.6
9.8*
San Diego-Carlsbad-San Marcos, CA
80.7
78.0
-2.8
San Francisco-Oakland-Fremont, CA
79.3
77.9
-1.4
San Jose-Sunnyvale-Santa Clara, CA
82.2
72.1
-10.11*
Seattle-Tacoma-Bellevue, WA
85.6
84.6
-1.0
Sioux Falls, SD
78.5
76.2
-2.3
St. Louis, MO-IL
68.2
77.6
9.42*
Tampa-St. Petersburg-Clearwater, FL
72.6
64.3
-8.27*
Tulsa, OK
68.3
62.2
-6.1
Virginia Beach-Norfolk-Newport News, VA-NC
76.6
70.6
-5.9
Washington-Arlington-Alexandria, DC-VA-MD-WV
74.2
78.8
4.68*
Wichita, KS
57.2
64.4
7.2
* Indicates differences that are statistically significant at the 10% level.
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
137
H-5 Prepaid Debit Card Use in Last 12 Months by MSA, 2013
For all households, row percent
Characteristics
All
Number of
Households (1000s)
Percent of
Households
Used in last 12
months (Percent)
Used but not in last
12 months (Percent)
Never Used
(Percent)
Unknown (Percent)
99,360
100
7.7
4.1
82.2
6.0
MSA
Albuquerque, NM
397
100
8.6
2.9
82.4
6.1
2,169
100
8.6
4.5
81.1
5.7
Austin-Round Rock, TX
682
100
5.5
9.5
79.0
6.0
Baltimore-Towson, MD
1,046
100
8.2
2.9
84.2
4.7
575
100
5.4
3.4
86.7
4.6
Atlanta-Sandy Springs-Marietta, GA
Birmingham-Hoover, AL
Boise City-Nampa, ID
246
100
4.4
3.0
91.5
1.1
1,843
100
6.5
2.3
86.3
4.9
Bridgeport-Stamford-Norwalk, CT
375
100
5.1
1.3
88.1
5.5
Buffalo-Niagara Falls, NY
461
100
15.7
3.9
74.8
5.7
Boston-Cambridge-Quincy, MA-NH
Burlington-South Burlington, VT
79
100
5.5
3.5
86.0
5.0
715
100
6.2
3.0
88.5
2.2
Chicago-Naperville-Joliet, IL-IN-WI
3,531
100
6.5
2.8
84.1
6.6
Cincinnati-Middletown, OH-KY-IN
914
100
6.3
1.5
83.3
9.0
Cleveland-Elyria-Mentor, OH
902
100
7.4
5.0
81.3
6.3
Columbia, SC
359
100
1.8
7.4
88.1
2.7
Columbus, OH
760
100
12.3
7.2
79.1
1.4
Dallas-Fort Worth-Arlington, TX
2,547
100
7.7
4.3
83.2
4.8
Denver-Aurora, CO
1,105
100
8.6
3.4
85.1
3.0
Charlotte-Gastonia-Concord, NC-SC
Des Moines, IA
Detroit-Warren-Livonia, MI
Dover, DE
Fargo, ND-MN
240
100
13.2
2.8
75.9
8.1
1,768
100
7.5
3.7
78.5
10.3
59
100
8.0
3.5
73.4
15.0
82
100
11.0
7.4
80.4
1.1
Grand Rapids-Wyoming, MI
396
100
9.2
6.7
79.7
4.4
Hartford-West Hartford-East Hartford, CT
452
100
8.2
3.6
85.0
3.2
Honolulu, HI
327
100
4.5
7.4
81.2
6.9
Houston-Baytown-Sugar Land, TX
2,349
100
10.2
4.3
79.1
6.3
Indianapolis, IN
735
100
11.2
4.0
80.6
4.1
Jacksonville, FL
561
100
9.9
7.7
79.1
3.3
Kansas City, MO-KS
801
100
11.4
4.5
82.3
1.8
Las Vegas-Paradise, NV
849
100
7.5
3.1
82.2
7.2
Little Rock-North Little Rock, AR
367
100
11.8
3.0
81.7
3.5
4,500
100
5.5
2.9
85.9
5.8
Louisville, KY-IN
587
100
10.8
4.3
80.9
4.0
Madison, WI
284
100
20.0
4.7
68.4
7.0
Los Angeles-Long Beach-Santa Ana, CA
Memphis, TN-MS-AR
Miami-Fort Lauderdale-Miami Beach, FL
Milwaukee-Waukesha-West Allis, WI
Minneapolis-St Paul-Bloomington, MN-WI
555
100
12.4
4.1
73.7
9.8
2,374
100
6.2
2.1
79.0
12.7
639
100
12.5
5.1
76.8
5.6
1,364
100
8.8
4.3
84.5
2.4
Nashville-Davidson-Murfreesboro, TN
646
100
6.0
5.4
84.7
3.9
New Haven, CT
300
100
5.7
3.7
88.5
2.2
New Orleans-Metairie-Kenner, LA
486
100
8.1
1.5
86.6
3.9
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
138
H-5 Prepaid Debit Card Use in Last 12 Months by MSA, 2013
For all households, row percent
Characteristics
New York-Northern New Jersey-Long
Island, NY-NJ-PA
Number of
Households (1000s)
Percent of
Households
Used in last 12
months (Percent)
Used but not in last
12 months (Percent)
Never Used
(Percent)
Unknown (Percent)
7,234
100
5.6
2.9
83.5
8.0
Oklahoma City, OK
563
100
11.9
7.4
77.1
3.6
Omaha-Council Bluffs, NE-IA
344
100
10.3
6.3
79.6
3.8
Orlando, FL
831
100
6.1
2.9
82.2
8.8
Philadelphia-Camden-Wilmington,
PA-NJ-DE
2,428
100
4.8
3.3
84.5
7.4
Phoenix-Mesa-Scottsdale, AZ
1,652
100
6.7
2.8
85.9
4.6
Pittsburgh, PA
1,048
100
9.8
4.6
83.5
2.1
Portland-South Portland, ME
145
100
5.2
4.6
84.9
5.3
Portland-Vancouver-Beaverton, OR-WA
924
100
6.5
4.9
84.3
4.4
Providence-Fall River-Warwick, RI-MA
556
100
9.8
4.8
74.7
10.8
Raleigh-Cary, NC
480
100
1.1
2.3
86.4
10.2
Richmond, VA
422
100
4.1
8.2
78.8
8.9
Riverside-San Bernardino-Ontario, CA
1,459
100
5.3
3.6
83.4
7.7
Rochester, NY
476
100
10.0
5.5
81.8
2.7
Sacramento--Arden-Arcade-Roseville, CA
957
100
8.4
5.3
85.4
0.9
Salt Lake City, UT
413
100
9.9
5.1
82.2
2.8
San Antonio, TX
929
100
10.1
2.0
85.6
2.3
San Diego-Carlsbad-San Marcos, CA
1,105
100
8.5
5.3
78.3
7.9
San Francisco-Oakland-Fremont, CA
1,925
100
7.8
2.9
79.8
9.5
San Jose-Sunnyvale-Santa Clara, CA
Seattle-Tacoma-Bellevue, WA
Sioux Falls, SD
640
100
6.5
3.7
84.9
4.9
1,413
100
5.9
4.2
85.5
4.4
98
100
10.3
7.1
72.2
10.4
St. Louis, MO-IL
1,141
100
10.8
6.2
78.7
4.2
Tampa-St. Petersburg-Clearwater, FL
1,418
100
7.7
4.2
81.7
6.4
Tulsa, OK
380
100
14.9
6.5
77.6
1.0
Virginia Beach-Norfolk-Newport News,
VA-NC
665
100
7.0
4.4
78.8
9.7
2,330
100
6.5
4.7
81.4
7.4
263
100
14.0
6.1
75.6
4.3
Washington-Arlington-Alexandria,
DC-VA-MD-WV
Wichita, KS
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
139
H-6 AFS Recency Of Use By MSA, 2013
For all households, row percent
Characteristics
All
Number of
Households
(1000s)
Percent of
Households
Used: in last 30
days (Percent)
Used: Not in last
30 days but in Used: Not in last
last 12 months
12 months
(Percent)
(Percent)
Never Used
(Percent)
Use Unknown
(Percent)
99,360
100
12.0
12.6
14.0
55.7
5.7
397
100
17.1
17.2
10.3
51.2
4.2
MSA
Albuquerque, NM
Atlanta-Sandy Springs-Marietta, GA
2,169
100
17.1
16.9
13.9
46.9
5.2
Austin-Round Rock, TX
682
100
8.5
9.4
17.4
60.3
4.4
Baltimore-Towson, MD
1,046
100
14.0
14.4
12.3
55.1
4.1
Birmingham-Hoover, AL
575
100
8.8
19.1
24.2
42.6
5.3
Boise City-Nampa, ID
246
100
12.0
9.5
22.7
53.1
2.8
Boston-Cambridge-Quincy, MA-NH
1,843
100
10.4
8.7
11.5
64.5
4.8
Bridgeport-Stamford-Norwalk, CT
375
100
5.8
7.7
7.8
74.3
4.5
Buffalo-Niagara Falls, NY
461
100
12.2
5.2
18.3
60.1
4.3
79
100
6.4
10.9
12.7
64.9
5.1
Burlington-South Burlington, VT
Charlotte-Gastonia-Concord, NC-SC
715
100
11.7
21.2
11.6
53.7
1.7
Chicago-Naperville-Joliet, IL-IN-WI
3,531
100
9.4
9.1
8.5
65.8
7.2
Cincinnati-Middletown, OH-KY-IN
914
100
13.7
15.7
12.3
49.9
8.4
Cleveland-Elyria-Mentor, OH
902
100
11.2
11.8
11.9
58.7
6.4
Columbia, SC
359
100
19.1
15.5
22.5
41.1
1.8
Columbus, OH
760
100
17.4
14.3
23.1
43.3
1.9
Dallas-Fort Worth-Arlington, TX
2,547
100
19.3
14.1
18.0
44.4
4.2
Denver-Aurora, CO
1,105
100
10.7
10.8
16.2
59.2
3.1
240
100
8.9
12.9
12.4
57.6
8.2
Des Moines, IA
Detroit-Warren-Livonia, MI
1,768
100
11.1
11.0
12.4
56.9
8.6
Dover, DE
59
100
11.7
10.0
12.0
49.3
17.0
Fargo, ND-MN
82
100
11.7
14.9
19.9
52.3
1.1
Grand Rapids-Wyoming, MI
396
100
8.1
9.3
22.9
56.1
3.6
Hartford-West Hartford-East Hartford, CT
452
100
10.4
10.8
9.5
65.8
3.4
Honolulu, HI
327
100
7.2
14.3
9.4
62.3
6.7
2,349
100
22.9
13.7
12.1
46.3
5.0
Indianapolis, IN
735
100
15.8
8.3
17.1
56.4
2.5
Jacksonville, FL
561
100
11.3
18.6
20.1
47.4
2.5
Kansas City, MO-KS
801
100
14.5
11.8
16.6
54.4
2.7
Las Vegas-Paradise, NV
849
100
15.3
14.6
17.2
46.3
6.7
Little Rock-North Little Rock, AR
367
100
16.1
14.6
18.2
49.1
2.0
Houston-Baytown-Sugar Land, TX
Los Angeles-Long Beach-Santa Ana, CA
4,500
100
12.3
10.4
8.3
63.1
5.8
Louisville, KY-IN
587
100
14.9
14.5
17.5
49.9
3.2
Madison, WI
284
100
6.5
5.0
10.8
70.7
7.0
Memphis, TN-MS-AR
555
100
24.2
10.4
14.3
41.7
9.5
2,374
100
7.7
9.4
8.9
61.0
13.0
639
100
8.9
5.9
13.4
65.1
6.7
1,364
100
7.5
7.3
12.6
70.3
2.4
Nashville-Davidson-Murfreesboro, TN
646
100
10.8
13.9
12.9
57.9
4.6
New Haven, CT
300
100
5.0
9.3
7.4
76.3
2.1
Miami-Fort Lauderdale-Miami Beach, FL
Milwaukee-Waukesha-West Allis, WI
Minneapolis-St Paul-Bloomington, MN-WI
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
140
H-6 AFS Recency Of Use By MSA, 2013
For all households, row percent
Characteristics
New Orleans-Metairie-Kenner, LA
Number of
Households
(1000s)
Percent of
Households
Used: in last 30
days (Percent)
Used: Not in last
30 days but in Used: Not in last
last 12 months
12 months
(Percent)
(Percent)
Never Used
(Percent)
Use Unknown
(Percent)
486
100
12.4
14.2
7.2
62.3
3.9
7,234
100
11.6
14.1
12.8
54.4
7.1
Oklahoma City, OK
563
100
14.7
14.1
16.5
50.6
4.1
Omaha-Council Bluffs, NE-IA
344
100
13.1
14.4
15.4
53.3
3.9
Orlando, FL
831
100
14.9
15.6
12.2
49.0
8.3
Philadelphia-Camden-Wilmington,
PA-NJ-DE
2,428
100
11.2
14.7
16.2
50.8
7.2
Phoenix-Mesa-Scottsdale, AZ
1,652
100
9.8
10.4
11.1
63.8
4.9
Pittsburgh, PA
New York-Northern New Jersey-Long
Island, NY-NJ-PA
1,048
100
10.3
16.2
14.3
57.5
1.7
Portland-South Portland, ME
145
100
5.7
8.0
17.6
62.9
5.7
Portland-Vancouver-Beaverton, OR-WA
924
100
7.5
11.9
17.6
58.5
4.6
Providence-Fall River-Warwick, RI-MA
556
100
6.4
11.4
12.9
58.5
10.8
Raleigh-Cary, NC
480
100
8.2
8.0
6.5
64.6
12.7
Richmond, VA
422
100
9.2
12.2
9.7
61.0
7.9
Riverside-San Bernardino-Ontario, CA
1,459
100
11.8
12.3
12.8
55.1
8.0
Rochester, NY
476
100
6.4
11.2
19.3
61.3
1.8
Sacramento--Arden-Arcade-Roseville, CA
957
100
9.9
17.7
12.1
59.4
0.9
Salt Lake City, UT
413
100
4.7
11.7
16.4
65.0
2.2
San Antonio, TX
929
100
15.2
17.3
14.7
50.0
2.8
San Diego-Carlsbad-San Marcos, CA
1,105
100
8.0
12.9
14.9
56.1
8.0
San Francisco-Oakland-Fremont, CA
1,925
100
7.7
9.1
13.4
62.6
7.1
San Jose-Sunnyvale-Santa Clara, CA
640
100
6.4
9.3
14.3
65.0
4.9
1,413
100
7.6
10.1
16.8
61.8
3.8
98
100
8.2
12.9
11.0
59.1
8.9
St. Louis, MO-IL
1,141
100
11.1
10.3
13.9
60.9
3.8
Tampa-St. Petersburg-Clearwater, FL
1,418
100
13.2
10.8
11.2
59.5
5.2
Tulsa, OK
380
100
17.1
12.1
20.7
49.1
1.0
Virginia Beach-Norfolk-Newport News,
VA-NC
665
100
14.5
20.4
6.8
50.5
7.8
2,330
100
9.7
12.5
16.1
55.0
6.7
263
100
17.5
12.9
22.4
42.4
4.9
Seattle-Tacoma-Bellevue, WA
Sioux Falls, SD
Washington-Arlington-Alexandria,
DC-VA-MD-WV
Wichita, KS
NA= Not available because the sample size was too small to produce a precise estimate.
-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.
Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
141
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
142
Appendix I – FDIC Technical Notes
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
143
The data for this report were collected through a
Federal Deposit Insurance Corporation (FDIC)-sponsored Unbanked/Underbanked Supplement to the
Current Population Survey (CPS) for June 2013. The
CPS is a monthly survey of about 54,000 interviewed
households conducted by the U.S. Census Bureau for
the Bureau of Labor Statistics (BLS). The survey is
based on a scientific sample that “represents” the U.S.
civilian, non-institutionalized population, aged 15 or
older.
The CPS is the primary source of information on the
labor force characteristics of the U.S. population,
including employment, unemployment, and earnings
statistics. The CPS results include a variety of demographic characteristics, such as age, sex, race, marital
status, and educational attainment. Additional information about the CPS is provided in the Census
Bureau’s Technical Paper 66, Design and Methodology of the CPS, available at http://www.census.gov/
cps/.
The CPS is a state-based design in that separate
samples are selected from each state, so that states
serve as the primary sampling strata. The sample
sizes for each state are set so that specific precision
requirements for estimating unemployment rates will
be met.1 The sample design ensures that most of the
households in a given state have the same probability
of being selected, though in general, household selection probabilities will vary across states. Because the
CPS design is state-based, most of the estimates for
the Unbanked/Underbanked Supplement should be
precise at the state level and for some sub-state areas
(e.g., large metropolitan statistical areas (MSAs)).
2013 survey instrument is largely similar to the 2011
and 2009 survey instruments. The 2009 instrument
was developed with the expertise of a national
consulting firm, which specializes in public opinion
research, as well as input from the Census Bureau’s
Demographic Surveys Division and BLS. The 2009
survey instrument underwent four rounds of cognitive field pre-testing and was revised to address the
feedback gathered from each round.2 The questionnaire was revised in 2011 and 2013. For the 2013
survey, the U.S. Census Bureau conducted two
rounds of cognitive testing. For a detailed description of the most recent revisions, see Appendix J
(2013 Revisions to the FDIC National Survey of
Unbanked and Underbanked Households). Because
of changes in the questionnaire, direct comparisons
between 2013 and prior year estimates are not possible in some cases.3
Eligibility and Exclusions
All households that participated in the June 2013 CPS
were eligible to participate in the Unbanked/Underbanked Supplement. However, only households
whose respondents specified that they had some level
of participation in their household finances and also
responded “Yes” or “No” to whether someone in
their household had a bank account (survey supplement Question 2, or Q2) were considered survey
respondents.4 CPS household respondents who did
not answer or answered “don’t know” to Q2, or who
did not participate in their household financial decisions (or refused to answer) were asked no further
Unbanked/Underbanked Supplement
The Unbanked/Underbanked Supplement was
conducted in June 2013. This was third time this
survey had been conducted; the first and second
supplements were conducted in January 2009 and
June 2011, respectively. The primary purpose of the
supplement is to estimate the percentage of U.S.
households that are “unbanked” and “underbanked”
and to identify the reasons why.
The supplement survey instrument used in 2013,
attached as Appendix K, included approximately 50
questions designed to provide this information. The
The precision targets that are the basis for the sample design of the
CPS are provided on pp.3–1 in Chapter 3 of the U.S. Census Bureau’s
Technical Paper 66, available at http://www.census.gov/prod/2006pubs/
tp-66.pdf.
1
The goal of each round was to determine respondents’ comprehension
of each question, test the flow of the questions, find major recall difficulties, ascertain the sensitivity or inappropriateness of any questions, and
gauge the operational feasibility of the supplement. No changes to the
survey were recommended following the fourth round of testing.
3
Comparability of 2013 estimates to prior years may also be affected by
changes to estimated population counts, most importantly the change in
base population from Census 2000 to Census 2010. For more detail, see
the Census Documentation “Adjustments to Household Survey Population
Estimates in 2012”, available at http://www.bls.gov/cps/cps12adj.pdf.
4
Respondents involved in their household finances include respondents
in households where adults have separate finances or in households
where the respondent was the only adult in the household. For households where adults share finances or have a mix of shared and separate
finances, respondents were asked to specify how much they participated
in their household financial decisions. Only those who reported having at
least some level of participation were considered to be involved in their
household finances.
2
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
144
questions and were classified as nonrespondents for
the supplement.5
Demographic characteristics, such as race, age,
education, and employment, associated with a
respondent household for the supplement are generally those reported for the householder/reference
person (i.e., a person who owns or rents the home, as
designated by the respondent). These demographic
characteristics were used in preparing report estimates and tables.6
Coverage and Response Rates
The target universe for the CPS is all civilian non-institutionalized persons (aged 15 or older) residing in
the 50 states and the District of Columbia. To reach
this universe, a list (sampling frame) of about 110
million households was developed from the Master
Address File used for the 2000 Census, plus three
additional frame sources (group quarters, area
canvassing, and building permits).
For the June 2013 CPS, a statistical sample of 59,531
survey-eligible households was selected from the
sampling frame. Of these, 53,405 households participated in the CPS, resulting in a nearly 90 percent
response rate. There were 6,126 nonrespondent
households. Most of these nonrespondents either
refused to participate (63 percent of nonrespondents)
or were not home at the time of the interview visit or
call (21 percent). The remaining 16 percent consisted
of households where (a) the household respondent
was temporarily absent, (b) the household could not
be located, (c) language barriers prevented the interview, or (d) “other” reasons. Because of the availability of translators for many languages, only 0.4 percent
of the nonrespondents (22 households) did not
participate as a result of language barriers.
Coverage ratios for the CPS are derived as a measure
of the percentage of persons in the target universe
(civilian non-institutionalized persons aged 15 or
This definition of supplement respondent is the same as the one used in
the 2011 FDIC Survey of Unbanked and Underbanked Households report,
which published new estimates for survey year 2011 and revised estimates for survey year 2009. In the initial survey report based on 2009
data, estimates were produced using a slightly different definition of a
supplement respondent. The change in definition did not have a material
impact on the estimates. See the technical notes to the 2011 report for
more details.
6
In a few cases, the householder/reference person is classified as an
ineligible respondent for the CPS, but another eligible household resident
participated in the CPS and in the Unbanked/Underbanked supplement. In
these cases we use the attributes of the eligible respondent to characterize the household.
5
older in the United States) that are included in the
sampling frame.7 The overall coverage ratio for the
June 2013 CPS was 86 percent. The missing 14
percent consists of three groups: (1) persons residing
in households that are not in the CPS sampling
frame, (2) non-institutionalized persons not residing
in households at the time the CPS was conducted,
and (3) household residents that were not listed as
household members for the CPS for various reasons.
The coverage ratios varied across demographic
groups. For example, among women ages 15 and
older, the coverage ratio was 89 percent for whites, 82
percent for blacks, and 86 percent for Hispanics.
Of the 53,405 households participating in the CPS,
40,998 (77 percent) also participated in the
Unbanked/Underbanked Supplement.8 The supplement survey response rates vary by demographic
groups, ranging from 73 percent to 79 percent.
The weights calculated by the Census Bureau for the
CPS and the Unbanked/Underbanked Supplement
respondents were adjusted to account for both nonresponse and undercoverage. These weight adjustments
help correct any biases in estimates because of nonresponse and undercoverage, so that results from the
CPS are “representative” of the civilian, non-institutionalized U.S. population, aged 15 and older.9
Analysis of Supplement Survey Results
Using supplement survey results, households were
classified as “unbanked” if they answered “no” to the
question, “Do you or does anyone in your household
currently have a checking or savings account?”
Households answering “yes” to this question were
classified as “underbanked” if they indicated that they
had used any of the following alternative financial
services at least once in the last 12 months: nonbank
money orders, nonbank check-cashing services,
nonbank remittances, payday loans, rent-to-own
services, pawn shops, refund anticipation loans, or
auto-title loans. Note that the 2013 definition of
The coverage ratio is the weighted number of persons in a demographic group (after weights are adjusted to account for household
nonresponse) divided by an independent count of persons in that demographic group (obtained from the 2000 Census with updates based on the
American Community Survey).
8
Taking into account the nonresponse to the base CPS, the overall
response rate for the Unbanked/Underbanked Supplement was 69
percent.
9
This adjustment is done by introducing three stages of ratio estimation
that adjust weights to align with population control totals (independent
population estimates for various demographic groups). The household
weight is generally taken to be the weight of the householder/reference
person.
7
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
145
“underbanked” has been revised from the 2011 definition to include households who used auto-title
loans in the last year. Consequently, 2013 underbanked estimates are not directly comparable to 2011
estimates (see Chapter 3).
The estimated proportion of U.S. households that are
unbanked was derived by dividing the sum of the
weights of the household respondents that were identified as being unbanked by the sum of the weights of
all household respondents. The same formula was
used to estimate the proportion of U.S. households
that are underbanked. For estimated proportions of
unbanked or underbanked households for demographic subgroups, the same computational approach
was used and applied to respondent households in
the subgroup.
In addition to presenting estimated proportions,
many of the tables in this report include estimated
numbers of households (e.g., total households,
unbanked households, or underbanked households).
An estimated number of households for a given category (such as unbanked) is derived as the sum of the
weights of the sample households in that category.
For example, for the entire supplement sample of
40,998 respondent households, the sum of the household weights is roughly 123.8 million, which would
be an estimate of all U.S. households as of June 2013.
However, the Housing and Vacancy Survey, another
survey related to the CPS that uses household
controls to produce household weights, provided an
estimate of 114.7 million as the number of households in June 2013. This difference (123.8 million vs.
114.7 million) is because household weights prepared
by Census for the CPS and for this supplement
survey are generally taken to be the reference person
weights and are not adjusted to align with household
count controls. Household count controls were not
used to adjust household weights because the CPS is
a person survey rather than a household survey;
therefore, universe controls were used only in the
preparation of person weights. As a result, the sum of
household weights shown in our tables for a category
tends to be somewhat higher than the actual household count for the category.
This report also contains a number of tables for
which unbanked percentages and other household
statistics are computed for subgroups defined by a
particular economic or demographic characteristic.
The household classification of an economic or
demographic variable that is defined at the person
level rather than the household level (e.g., race,
education, or employment status) is based on the
economic or demographic classification of the householder/reference person (i.e., a person who owns or
rents the home).
The Census Bureau classifies households into different household types. For instance, a family household
is a household that includes two or more people
related by birth, marriage, or adoption and residing
together, along with any unrelated people who may
be residing there. Detailed definitions regarding
household types can be found in the CPS Glossary
available at http://www.census.gov/cps/about/cpsdef.
html.
Households are categorized into racial-ethnic classifications as follows: If the householder is identified as
black, the household is classified as “Black” regardless
of whether the householder is identified as Hispanic
or any other race. If the householder is not identified
as black and is identified as Hispanic, the household
is classified as “Hispanic Non-Black.” If the householder is identified as white and not any other race
and non-Hispanic, then the household is classified as
“White.” All remaining households are classified as
“Other.” However, in some national summary tables
the “Other” category is further disaggregated into
“Asian” if the householder is identified as Asian,
“American Indian/Alaskan” if the householder is
identified as American Indian/Alaskan and not
Asian, and “Hawaiian/Pacific Islander” if the householder is identified as Hawaiian/Pacific Islander and
not Asian or American Indian/Alaskan. In these
tables “Other” consists of the few remaining households in which the householder cannot be classified
into any of the preceding groups.
For the first time, the current report on the 2013
FDIC National Survey of Unbanked and Underbanked Households provides estimated unbanked
and underbanked rates and other estimates for the
population of working-age households with disabilities. Households are categorized as follows: if the
householder is between age 25 and 64 and either (i)
indicates “yes” to any of the 6 question disability
sequence in the base CPS, or (ii) is classified as “Not
in Labor Force – Disabled”, the household is classified as “disabled”.10 If the householder is between age
25 and 64 and neither condition (i) or (ii) above is
met, the household is classified as “not disabled”. If
the householder is not between the ages of 25 and 64,
the household is classified as “not applicable”.
Specifically, we use the variable PEMLR (“Monthly Labor Force
Recode”) to determine if the respondent is not in the labor force due to a
disability. Refer to the CPS Data Dictionary for detail on the six-question
disability sequence, available at the following link: http://thedataweb.rm.
census.gov/ftp/cps_ftp.html.
10
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
146
There is no universally accepted method to identify
the population with disabilities. The definition used
in this report, described above, follows the recommendation of Burkhauser, Houtenville, and Tennant
(2012), in that the householder is identified as
disabled based on labor force status in addition to the
6 question disability sequence.11 Using this approach,
roughly 9 percent of households are categorized as
disabled. Using an alternative approach based only
on the 6 question disability sequence in the CPS,
roughly 8 percent of households are categorized as
disabled. Yet another alternative is to categorize a
household as disabled if any household resident (age
25 to 64) is identified as disabled, based on the 6
question disability sequence and labor force status.12
Using this approach, roughly 12 percent of households are identified as disabled. Key estimates from
the FDIC Unbanked/Underbanked supplement, such
as the proportion of disabled households that is
unbanked, are qualitatively similar using any of these
alternatives.
The counties included in some of the MSAs selected
for the CPS do not correspond exactly to the counties
included for these MSAs in the official definitions
prepared by the Office of Management and Budget
(OMB) for two basic reasons.
First, in redesigning the CPS in a timely manner to
incorporate results from the 2000 Decennial Census,
the Census Bureau had to project revised MSA definitions prior to the release of the official OMB definitions in 2003. Therefore, in some cases, the Census
Bureau included one or two counties in an MSA for
the CPS that were not subsequently included in the
official definition of the MSA. In other cases, the
Census Bureau excluded one or two counties that
were subsequently included in the official definitions
of an MSA. In the latter case, the data for the MSA in
the CPS (and in the Unbanked/Underbanked Supplement) will not include any responses for one or two
“Capturing the Elusive Working-Age Population With Disabilities:
Reconciling Conflicting Social Success Estimates From the Current Population Survey and American Community Survey.” Richard V. Burkhauser,
Andrew J. Houtenville and Jennifer R. Tennant. 2012. Journal of Disability
Policy Studies 24(4):195-205.
12
This alternative categorization would addresses the potential concern
that our householder-based disability estimates are biased downward, to
the extent that a person with a disability is less likely to be identified as
the householder other things equal. We are aware of at least one other
study that uses this definition (among other alternatives): the USDA’s
2013 “Food Insecurity Among Households With Working-Age Adults With
Disabilities” report (US Department of Agriculture Economic Research
Report, Number 144, January 2013.)
11
of the counties that are a part of the official definition
of the MSA.13
Second, since the CPS is a state-based design, MSAs
that include counties in more than one state are
subdivided into their respective state components for
sampling purposes. Therefore, for some multi-state
MSAs, the counties belonging to one or two of the
states were not selected for the CPS sample, even
though the counties making up the other portion of
the MSA were selected. The larger portions are
usually included in the CPS since they would be
selected with certainty for their state sample because
of their size (i.e., those larger portions would be
“self-representing”). Also, for some multi-state MSAs,
the part of the MSA contained in a given state is
selected for the CPS sample but cannot be identified
as belonging to the MSA (for confidentiality reasons)
because it contains fewer than 100,000 people. In
such cases the respondents in that state usually would
be identified as belonging to a metropolitan area, but
the specific MSA would not be identified.
Statistical Precision of Estimates
Standard errors were calculated for certain
Unbanked/Underbanked Supplement Report estimates to indicate the precision of these estimates. For
example, the standard error can be used to compute a
95 percent confidence interval for a survey estimate
(this is generally computed as the estimate plus or
minus two times the standard error). If the survey
estimate of interest is a difference between estimates
for different groups, the estimated standard error of
the difference can be used to determine whether the
observed difference is “statistically significant.”
Differences discussed in this report are significant at
the 10 percent level of significance. That is, if there
were no difference in the true universe values of the
two sample estimates being compared, the probability
of obtaining sample estimates having this observed
difference or a larger difference would be no more
than 10 percent, and could be considerably less.
The standard errors presented in the full report on
the FDIC’s Unbanked/Underbanked Supplement
were calculated based on the variation of a survey
estimate across a set of 160 sample replicates
provided by the Census Bureau. Details of the calculation of standard errors based on sample replicates
In the former case, data for any counties that were not subsequently
included in the official definition of an MSA are coded as
non-metropolitan.
13
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
147
(and on the CPS methodology in general) are available from the Census Bureau.14
For an estimated difference between a universe quantity for the 2013 and 2011 Unbanked/Underbanked
surveys (such as the difference between the number
of unbanked households), the derivation of the standard error of such an estimated difference was based
on the fact that estimates from the 2013 and 2011
surveys are independent. Therefore, the standard
error of the estimated difference is the square root of
the sum of the variances of the two separate estimates. Sample estimates of these variances, based on
the use of the set of 160 replicates as described above,
were used to estimate the standard error of a difference of estimates between the two years. The significance of any observed difference between estimates
from the two years is assessed based on the estimated
standard error of the difference.
For a detailed description of the methodology used to calculate standard errors using replicates, see U.S Census Bureau Technical Paper No.
66, Chapter 14, available at http://www.census.gov/prod/2006pubs/tp-66.
pdf.
14
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
148
Appendix J – 2013 Revisions to the FDIC
National Survey of Unbanked and
Underbanked Households
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
149
The 2013 survey instrument is similar to the 2011
survey. However, some important changes were made
based on lessons learned from the 2009 and 2011
efforts and to provide greater insight into the circumstances of unbanked and underbanked households
and reflect changes in the financial services market..
Changes were made to collect more data on the
reasons why and when households change banking
status, to add more questions regarding households’
use of prepaid cards, and to gather information on
the methods households use to access their bank
accounts. In addition, questions on auto title loans
were included in the survey, and new questions were
added to collect data on the locations from which
households obtain alternative financial services
(AFS). Throughout, minor changes were made to
survey language to improve clarity and consistency.
Because of the differences between the 2009, 2011
and 2013 surveys, certain estimates are not directly
comparable across surveys. Some estimates, such as
the proportion of unbanked households, can be
compared across all three surveys. Other estimates,
such as the timeframes for the use of alternative
financial services (AFS) are comparable between 2011
and 2013, but not back to 2009. And some estimates,
such as the proportion of underbanked households,
are not comparable between any of the surveys. Notes
are included throughout the tables and the report to
indicate when estimates are not comparable. The
dataset provided on www.economicinclusion.gov also
indicates which variables are consistent across years.
Specific revisions to the 2013 survey are as follows:1
A. Banking Status and Transitions
A new question was added to identify households
that had been unbanked, but opened a bank account
in the last year (Q2e). This complements the existing
question that asks unbanked households that were
previously banked when they last had an account
(Q4) and provides more complete data on recent
transitions into and out of the banking system.
A new question asks households that opened an
account within the last year why they did so (Q2f).
This replaces the question that, in 2011, asks households that reported being “somewhat likely” or “very
likely” to open a bank account why they wanted to do
so (2011 Survey Q8).
For details of the changes made between the 2009 and 2011 surveys,
please see 2011 FDIC National Survey of Unbanked and Underbanked
Households, Appendix F – Revisions to the FDIC National Survey of
Unbanked and Underbanked Households, September 2012.
New questions were added to investigate whether
certain life events contribute to changes in banking
status. All households are asked whether they experienced a series of life events (Q49), and households
that recently transitioned into or out of the banking
system were asked whether those events contributed
to the households opening or closing a bank account
(Q50 and Q51).
The question regarding households’ likelihood of
opening a bank account was reworded to ask about
the likelihood of opening an account “in the next 12
months” rather than “in the future” (Q7)
B. Reasons for Being Unbanked
The existing questions on the reasons why households do not have a bank account were revised, and
new questions were added.
The possible reasons for not having an account were
revised slightly and the broad reason “do not need or
want an account” was dropped because this response
was difficult to interpret and did not explain the
underlying reason that the household did not need or
want an account.
This series of questions was changed to first ask the
household to indicate all of the reasons why it does
not have an account, allowing respondents to choose
multiple responses from a broad range of reasons
(Q5a-Q5i); subsequently, respondents were asked to
indicate the main reason they do not have an
account, from among the responses selected (Q6).
In contrast, the 2011 survey asked households to
select only the main reason why the household does
not have an account. Then, some respondents were
asked for more detailed information regarding their
reasons for being unbanked within the reason that
was selected (2011 Survey Q5 and Q6a-Q6f).
The current version allows for the collection of more
complete data regarding the variety of reasons, and
the relative importance of those reasons.
C. Use of Alternative Financial Services (AFS) and
Payroll Cards
Several new questions in this section include:
1
New questions were added to identify the locations
where households obtain transaction AFS. Responses
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
150
included big box stores, supermarkets, standalone
AFS providers, etc., and were tailored for each AFS
(Q13b, Q19b, Q24b).
A new question asked respondents who used
non-bank payday loans whether the loans were taken
out over the internet (Q28b).
New questions were added to ask respondents who
use prepaid cards about the recency of their use,
similar to the questions that ask about the recency of
AFS use (Q40-Q41).
New questions (Q42 and Q42b) ask respondents why
they use prepaid cards.
Auto title loans were added as an additional AFS
(Q38–Q38c).
A question was added asking about the locations
where respondents get prepaid cards (Q43)
Several questions were dropped in order to accommodate the new questions:
Questions were added to ask whether households that
use prepaid cards have ever reloaded that card (Q44)
and, if so, how/where they reload it (Q45).
Questions regarding the reasons why households use
AFS were dropped (2011 Survey Q13, Q19, Q24, Q28,
Q32, Q37). Questions on the reasons for AFS use
were asked in 2009 and 2011, and the responses were
very consistent between surveys and it is not anticipated that the responses would change in the short
term.
Questions on the number of times households used
transaction AFS in the last 30 days were dropped
(2011 Survey Q12, Q17, Q23).
Minor revisions were made to several questions in
this section.
The question about the use of remittances (Q20) reiterates that the survey is asking for sending money
internationally, as opposed to domestically. New
language was added to the question to clarify that
remittances include money sent “to relatives or
friends outside the US.”
The rent-to-own question (Q35) includes an additional instruction to differentiate this financial service
from other forms of payment or credit services: “I am
not talking about leasing cars or other installment
payment plans that require credit check or layaway
plans.”
D. Use of Prepaid and Payroll Cards
To help make room to accommodate the new questions, the question regarding households’ use of
payroll cards was dropped (2011 Survey Q38). Payroll
card use was very low, based on the 2011 results.
E. Direct Deposit and Automatic Transfers and
Methods Used to Access Bank Accounts
A new set of questions was added to the survey to ask
households direct deposits and about the various
locations and methods used to access bank accounts,
including online and mobile technologies.
New questions ask households whether they use
automatic transfers or direct deposit (Q2c) and, if so,
which types of accounts receive the payments or
deposits (Q2d).
New questions ask all banked households about the
channels the households use to access accounts. Q2g
and Q2h ask about all of the methods used, and the
main method used. Q2i asks households that have
used mobile banking which types of banking transactions or activities they have performed with their
mobile phones.
For context, all households were asked about whether
they have access to the Internet, and to mobile and
smartphones (Q46-Q48).
The 2013 survey significantly expands the number of
questions respondents are asked regarding their use
of prepaid cards. The 2009 and 2011 survey asked
households whether they had ever used a prepaid
card. The 2013 survey asks a number of additional
questions, in order to collect more data about the use
of these rapidly growing products.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
151
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
152
Appendix K – 2013 Survey Instrument
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
153
OMB No. 3064-0167
Expiration Date: 5/31/2016
FDIC Household Survey of the Unbanked and Underbanked (final approved 5/16/2013)
INTRODUCTION
Next, I’d like to ask you some questions about household finances.
1. Which of the following best describes your household’s finances?
(Read Responses 1-3.)
The adults have shared finances
The adults have some shared finances and some
separate finances
The adults have separate finances even though we
share living space
I am the only adult in the household (Volunteered)
DK/Refused
(CONTINUE)
(CONTINUE)
(SKIP TO Q2)
(SKIP TO Q2)
(CONTINUE)
1a. How much do you participate in making financial decisions for your household, a lot, some or not
at all?
A lot
(CONTINUE)
Some
(CONTINUE)
Not at all
(TERMINATE)
DK/Refused
(TERMINATE)
2. Do you or does anyone in your household currently have a checking or savings account?
Yes
(CONTINUE)
No
(SKIP TO Q3)
DK/Refused
(TERMINATE)
2a. Who is that? (Enter Line Number)
1-16
DK/Refused
(CONTINUE)
(SKIP TO Q2e)
2b. What type or types of accounts do you and each of your household members have? (Ask this
question for each adult (15 years of age and older) individual of the household)
Only checking accounts
(CONTINUE)
Only savings accounts
(CONTINUE)
Or both checking and savings accounts
(CONTINUE)
Other (Volunteered)
(CONTINUE)
DK/Refused
(CONTINUE)
FDIC 6494/03 (11-10) Page 8
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
154
Q2c asked of households that have an account
2c. Does anyone in your household currently have money automatically transferred or deposited into a
bank account (eg, transfers between accounts or direct deposit)?
Yes
(CONTINUE)
No
(SKIP TO Q2e)
DK/Refused
(SKIP TO Q2e)
Q2d asked of households that have automatic deposits/transfers
2d. Into which type or types of accounts does your households have money automatically deposited or
transferred? [MARK ALL THAT APPLY]
Checking account
(CONTINUE)
Savings account
(CONTINUE)
Other (Specify)
(CONTINUE)
DK/Refused
(CONTINUE)
Q2e asked of households that have a bank account
2e. Was there ever a time in the last 12 months when noone in your household had an account?
Yes
(CONTINUE)
No
(SKIP to Q2g)
DK/Refused
(SKIP to Q2g)
( Q2f is asked of households that were unbanked less than 12 months ago)
2f. What is the main reason you or someone in your household opened an account in the past 12
months? (mark only 1)
To put money in a safe place
(CONTINUE)
To pay for everyday purchases, write checks, or/and pay bills
(CONTINUE)
To be able to apply for a loan or mortgage
(CONTINUE)
To save money for the future
(CONTINUE)
To receive direct deposit of paychecks or other payments (e.g. social security benefit)
(CONTINUE)
To send money to family or friends
(CONTINUE)
(CONTINUE)
Other (Specify)
DK/Refused
(CONTINUE)
2g. In the past 12 months, have you or anyone in your household used any of the following methods to
access an account? (check all that apply)
Bank teller
(CONTINUE)
ATM/Kiosk
(CONTINUE)
Telephone Banking through phone call or automated voice/touch tone
(CONTINUE
Online Banking through desktop, laptop, or tablet computer (e.g., IPad) (CONTINUE)
Mobile Banking through text messaging, mobile app, or Internet browser or email on phone
(CONTINUE)
Other (Specify)
(CONTINUE)
Did not access an account in the past 12 months
(CONTINUE)
DK/Refused
(CONTINUE)
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
155
2h. What was the most common way that you or anyone in your household accessed an account? (Read
only answers marked in Q2g. Check only one)
Bank teller
(CONTINUE)
ATM/Kiosk
CONTINUE)
Telephone Banking (phone call or automated voice/touch tone)
CONTINUE)
Mobile Phone Banking (text messaging, phone Internet browser, mobile app, or email)
(CONTINUE)
Online Banking through desktop, laptop, or tablet computer (e.g., IPad) (CONTINUE)
Other (Specify)
(CONTINUE)
DK/Refused
(CONTINUE)
Q2i is asked of all interviewees that selected “Mobile Phone Banking” as a response to Q2g.
2i. In the past 12 months have you or anyone in your household done any of the following using a
mobile phone ( check all that apply)?
Downloaded or used bank’s mobile app
(SKIP TO Q9)
Checked bank account balance or recent transactions
(SKIP TO Q9)
(SKIP TO Q9)
Made a bill payment using your bank’s website or mobile app
Read a text message alert from the bank
(SKIP TO Q9)
Sent money to other people using your bank’s website or mobile app
(SKIP TO Q9)
Transferred money between accounts owned by the same person
(SKIP TO Q9)
Deposited a check electronically using the mobile phone’s camera
(SKIP TO Q9)
Located the closest in-network ATM or bank branch
(SKIP TO Q9)
Other (Specify)
(SKIP TO Q9)
DK/Refused
(SKIP TO Q9)
Question 3 is asked of households that do not have a bank account.
3. Have you or anyone in your household ever had a checking or savings account?
Yes
(CONTINUE)
No
(SKIP TO Q5)
DK/Refused
(SKIP TO Q5)
Q4 is asked to those households that were previously banked, but currently do not have a deposit
account with a bank.
4. When was the last time you or anyone in your household had a checking or savings account, was it –
within the last year or more than 1 year ago?
Within the last year
(CONTINUE)
More than 1 year ago
(CONTINUE)
DK/Refused
(CONTINUE)
Q5- Q6 apply to all unbanked households and relate to reasons why the household does not have an
account.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
156
5. Consumers have different reasons why they do not have an account. Are any of the following a
reason why your household doesn’t have an account (check all that apply)?
a. Banks do not have convenient hours or locations
Yes, it’s a reason
No, it’s not a reason
DK/Refused
(CONTINUE)
(CONTINUE)
(CONTINUE)
(CONTINUE)
b. Bank account fees are too high or unpredictable
Yes, it’s a reason
No, it’s not a reason
DK/Refused
(CONTINUE)
(CONTINUE)
(CONTINUE)
(CONTINUE)
c. Banks do not offer needed products or services
Yes, it’s a reason
No, it’s not a reason
DK/Refused
(CONTINUE)
(CONTINUE)
(CONTINUE)
(CONTINUE)
d. Don’t like dealing with or don’t trust banks
Yes, it’s a reason
No, it’s not a reason
DK/Refused
(CONTINUE)
(CONTINUE)
(CONTINUE)
(CONTINUE)
e. Do not have enough money to keep in an account or meet a minimum balance (CONTINUE)
Yes, it’s a reason
(CONTINUE)
No, it’s not a reason
(CONTINUE)
DK/Refused
(CONTINUE)
f. Not using a bank provides more privacy for my personal finances
Yes, it’s a reason
No, it’s not a reason
DK/Refused
(CONTINUE)
(CONTINUE)
(CONTINUE)
(CONTINUE)
g. Can’t open an account due to ID, credit, or banking history problems
Yes, it’s a reason
No, it’s not a reason
DK/Refused
(CONTINUE)
(CONTINUE)
(CONTINUE)
i. Was there some other reason? (Specify)
Yes
No
DK/Refused
(CONTINUE)
(CONTINUE)
(CONTINUE)
(CONTINUE)
k. DK/Refused
(SKIP TO Q7)
6. What is the main reason why no one in your household has an account? (Read only responses
checked in Q5. Mark only one.).
(CONTINUE)
a. Can’t open an account due to ID, credit, or banking history problems
b. Banks do not have convenient hours or locations
(CONTINUE)
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
157
c. Bank account fees are too high or unpredictable
(CONTINUE)
d. Banks do not offer needed products or services
(CONTINUE)
e. Don’t like dealing with or don’t trust banks
(CONTINUE)
f. Do not have enough money to keep in an account or meet a minimum balance
(CONTINUE)
g. Not using a bank provides more privacy for my personal finances
(CONTINUE)
i. Was there some other reason? (Specify)
(CONTINUE)
k. DK/Refused
(CONTINUE)
7. How likely is it that you or someone in your household will open a bank account within the next 12
months – very likely, somewhat likely, not too likely, or not likely at all?
Very likely
(CONTINUE)
Somewhat likely
(CONTINUE)
Not too likely
(CONTINUE)
(CONTINUE)
Not likely at all
DK/Refused
(CONTINUE)
Q9- Q49b apply to all households, regardless of their banking status.
The next series of questions asks if you or someone in your household has gone to places other
than a bank for financial services. When I use the term bank, I am referring to banks, savings
and loans, credit unions, and brokerage firms.
9. Have you or anyone in your household EVER gone to a place other than a bank to cash a check that
was received from someone else?
Yes
(CONTINUE)
No
(SKIP TO Q14)
DK/Refused
(SKIP TO Q14)
10. In the past 12 months, did you or anyone in your household go to a place other than a bank to cash
a check received from someone else?
Yes
(CONTINUE)
No
(SKIP TO Q13b)
DK/Refused
(SKIP TO Q13b)
11. Did you or anyone in your household do this in the past 30 days?
Yes
No
DK/Refused
(CONTINUE)
(CONTINUE)
(CONTINUE)
13b. Which non-bank location do you or others in your household typically use to cash checks? (Mark
only one)
A large retail or department store (such as Walmart or Kmart)
(CONTINUE)
Grocery, liquor, convenience, or drug store
(CONTINUE)
Stand-alone non-bank financial services store (such as a check cashers or payday lender)
(CONTINUE)
Other (specify)
(CONTINUE)
DK/Refused
(CONTINUE)
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
158
14. Have you or anyone in your household EVER gone to a place other than a bank to purchase a
money order?
Yes
(CONTINUE)
No
(SKIP TO Q20)
DK/Refused
(SKIP TO Q20)
15. In the past 12 months, did you or anyone in your household go to a place other than a bank to
purchase a money order?
Yes
(CONTINUE)
No
(SKIP TO Q19b)
DK/Refused
(SKIP TO Q19b)
16. Did you or anyone in your household do this in the past 30 days?
Yes
No
DK/Refused
(CONTINUE)
(CONTINUE)
(CONTINUE)
19b. Which non-bank location do you or others in your household typically use to purchase money
orders? (Mark only one)
The Post Office
(CONTINUE)
(CONTINUE)
A large retail or department store (such as Walmart or Kmart)
Grocery, liquor, convenience, or drug store
(CONTINUE)
Stand-alone non-bank financial services store (such as a check cashers or payday lend
(CONTINUE)
Other (specify)
(CONTINUE)
DK/Refused
(CONTINUE)
20. Have you or anyone in your household EVER gone to a place other than a bank to give or send
money to relatives or friends living outside the U.S.?
Please include all money for gifts or loans to relatives or friends living outside the U.S. Read if
necessary: Friends are people you know personally (are acquainted with). Do NOT include money for
charities or other organizations or groups.
Yes
No
DK/Refused
(CONTINUE)
(SKIP TO Q25)
(SKIP TO Q25)
21. In the past 12 months, did you or anyone in your household go to a place other than a bank to give
or send money to relatives or friends living outside the U.S.?
Yes
No
DK/Refused
22. Have you or anyone in your household done this in the past 30 days?
Yes
No
DK/Refused
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
(CONTINUE)
(SKIP TO Q24b)
(SKIP TO Q24b)
(CONTINUE)
(CONTINUE)
(CONTINUE)
159
24b. Which non-bank location do you or others in your household typically use to send money?
(Mark only one)
A large retail or department store (such as Walmart or Kmart)
(CONTINUE)
Grocery, liquor, convenience, or drug store
(CONTINUE)
Stand-alone non-bank financial services store (such as a check cashers or payday lender)
(CONTINUE)
Mobile phone through text messaging, Internet browser, or mobile app (CONTINUE)
(CONTINUE)
Online through desktop, laptop, or tablet computer (e.g., IPad)
Other (specify)
(CONTINUE)
DK/Refused
(CONTINUE)
25. Have you or anyone in your household EVER taken out a payday loan or payday advance at a
place other than a bank?
Yes
(CONTINUE)
No
(SKIP TO Q29)
DK/Refused
(SKIP TO Q29)
26. In the past 12 months, did you or anyone in your household have a payday loan or payday advance
at a place other than a bank?
Yes
(CONTINUE)
No
(SKIP TO Q29)
DK/Refused
(SKIP TO Q29)
27. Did you or anyone in your household have one in the past 30 days?
Yes
No
DK/Refused
(CONTINUE)
(CONTINUE)
(CONTINUE)
28b. In the past 12 months, have you or anyone in your household taken out a non-bank payday loan
through the internet?
Yes
(CONTINUE)
No
(CONTINUE)
DK/Refused
(CONTINUE)
29. Have you or anyone in your household EVER pawned an item at a pawn shop because cash was
needed, and not just to sell an unwanted item?
Yes
(CONTINUE)
No
(SKIP TO Q33)
DK/Refused
(SKIP TO Q33)
30. In the past 12 months, have you or anyone in your household pawned an item because cash was
needed? Again, do not count selling unwanted items.
Yes
(CONTINUE)
No
(SKIP TO Q33)
DK/Refused
(SKIP TO Q33)
31. Have you or anyone in your household done this in the past 30 days?
Yes
No
DK/Refused
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
(CONTINUE)
(CONTINUE)
(CONTINUE)
160
33. Have you or anyone in your household EVER taken out a tax refund anticipation loan, or used a
tax preparation service to receive your tax refund faster than the IRS would provide it?
Yes
(CONTINUE)
No
(SKIP TO Q35)
DK/refused
(SKIP TO Q35)
34. Have you or anyone in your household received one of these loans or refunds in the past 12
months?
Yes
(CONTINUE)
No
(CONTINUE)
DK/refused
(CONTINUE)
35. Have you or anyone in your household EVER rented or leased anything from a rent-to-own store
because it couldn’t be financed any other way? I am not talking about leasing cars or other installment
payment plans that require credit check or layaway plans.
Yes
No
DK/refused
(CONTINUE)
(SKIP TO Q38)
(SKIP TO Q38)
36. In the past 12 months, did you or anyone in your household have a rent-to-own agreement?
Yes
(CONTINUE)
No
(SKIP TO Q38)
DK/Refused
(SKIP TO Q38)
37. Have you or anyone in your household had one in the past 30 days?
Yes
No
DK/Refused
(CONTINUE)
(CONTINUE)
(CONTINUE)
38. Have you or anyone in your household EVER taken out an auto title loan at a place other than a
bank? These are loans where a car title is used to borrow money for a short period of time. They are
NOT loans used to purchase an automobile.
Yes
(CONTINUE)
No
(SKIP TO Q39)
DK/refused
(SKIP TO Q39)
38b. In the past 12 months, did you or anyone in your household have an auto title loan?
Yes
(CONTINUE)
No
(SKIP TO Q39)
DK/refused
(SKIP TO Q39)
38c. Did you or anyone in your household have one in the past 30 days?
Yes
No
DK/refused
(CONTINUE)
(CONTINUE)
(CONTINUE)
Asked to all households
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
161
Now I have a question about prepaid debit cards that may have logos such as MasterCard,
VISA, Discover or American Express. These cards are not linked to a checking or savings
account. You or someone else on your behalf, like a relative or a government agency, can keep
adding money onto this card and use it to make purchases and pay bills anywhere credit cards
are accepted or withdraw the cash from an ATM. I am not talking about phone cards, gift cards
for a particular store or service or cards that you cannot add more funds onto.
39. Have you or anyone in your household EVER used prepaid cards such as those I have
described?
Yes
(CONTINUE)
No
(SKIP TO Q46)
DK/Refused
(SKIP TO Q46)
40. In the past 12 months, did you or anyone in your household use a prepaid card such as those I have
described?
Yes
(CONTINUE)
No
(SKIP TO Q46)
DK/Refused
(SKIP TO Q46)
41. Did you or anyone in your household use one of these prepaid cards in the past 30 days?
Yes
(CONTINUE)
No
(CONTINUE)
DK/Refused
(CONTINUE)
Ask Q42- Q45 only of households that responded ‘Yes’ to Q40 (they used a prepaid card within the
past 12 months)
42. What are the reasons you or someone in your household used a prepaid card in the last year? (mark
all that apply .)
To put money in a safe place
(CONTINUE)
To pay for everyday purchases or pay bills
(CONTINUE)
To save money for the future
(CONTINUE)
To receive payments (e.g., direct deposit of paychecks or other income such as social security
benefit)
(CONTINUE)
To send or give money to family and friends
(CONTINUE)
To control spending
(CONTINUE)
Other (Specify)
(CONTINUE)
DK/Refused
(SKIP TO Q43)
42b. What is the main reason you or someone in your household used a prepaid card in the last year?
(mark only one.)
To put money in a safe place
(CONTINUE)
To pay for everyday purchases or pay bills
(CONTINUE)
(CONTINUE)
To save money for the future
To receive payments (e.g., direct deposit of paychecks or other income such as social security
benefit)
(CONTINUE)
To send or give money to family and friends
(CONTINUE)
To control spending
(CONTINUE)
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
162
Other (Specify)
DK/Refused
(CONTINUE)
(CONTINUE)
43. Which location do you or others in your household typically use to get the prepaid card?
(Mark only one)
A large retail or department store (such as Walmart or Kmart)
(CONTINUE)
Grocery, liquor, convenience, or drug store
(CONTINUE)
Stand-alone non-bank financial services store (such as a check cashers or payday lender)
(CONTINUE)
A bank branch
(CONTINUE)
Internet/Online
(CONTINUE)
Over the telephone
(CONTINUE)
The card was provided by someone else
Other (specify)
(CONTINUE)
DK/Refused
(CONTINUE)
44. In the past 12 months, did you or anyone else add money to reload any of your prepaid cards?
Yes
(CONTINUE)
No
(CONTINUE)
DK/Refused
(CONTINUE)
45. In the past 12 months, did you or anyone in your household use any of the following methods to
access or load the prepaid card account? (Check all that apply)
Bank teller
(SKIP TO Q46)
ATM/Kiosk
(SKIP TO Q46)
Retail store clerk
(SKIP TO Q46)
Telephone through phone call or automated voice/touch tone
(SKIP TO Q46)
Mobile Phone through text messaging, phone Internet browser, mobile app, email, but
excluding voice calls
(CONTINUE)
(SKIP TO Q46)
Online through desktop, laptop, or tablet computer
Direct Deposit of paycheck or other income (such as government benefits) (SKIP TO Q46)
Other (Specify)
(SKIP TO Q46)
DK/Refused
(SKIP TO Q46)
(All households that had a prepaid card in the last year and used mobile phone)
45b. In the past 12 months have you or anyone in your household done any of the following using a
mobile phone? (Check all that apply)
Downloaded or used prepaid card provider’s mobile app on mobile phone (CONTINUE)
Checked prepaid account balance or recent transactions
(CONTINUE)
Made a bill payment using the prepaid card
(CONTINUE)
Received a text message alert from your prepaid card account
(CONTINUE)
Sent money to other people from your prepaid card account
(CONTINUE)
Transferred money between accounts owned by the same person
(CONTINUE)
Deposited a check electronically to your prepaid account using your phone’s camera
(CONTINUE)
Waved or tapped my mobile phone at the cash register to pay for a purchase with a prepaid card
(CONTINUE)
Other (Specify)
DK/Refused
(CONTINUE)
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
163
(Ask all households)
46. Do you or anyone in your household currently have regular access to the internet, either at home or
outside your home (e.g., school, work, public library, etc.)?
Yes
(CONTINUE)
No
(CONTINUE)
DK/Refused
(CONTINUE)
47. Do you or anyone in your household currently own or have regular access to a mobile phone?
Yes
(CONTINUE)
No
(SKIP TO Q49)
DK/Refused
(SKIP TO Q49)
48. Is that mobile phone a smartphone that is a mobile phone with features that enable it to access the
web, send emails, and download apps?
Yes
(CONTINUE)
No
(CONTINUE)
DK/Refused
(CONTINUE)
(Ask all households)
49. Did your household experience any of the following events in the past 12 month? (Mark all that
apply)
a. Significant loss of income
Yes
(CONTINUE)
No
(CONTINUE)
DK/Refused
(CONTINUE)
b.
Significant increase in income
Yes
No
DK/Refused
(CONTINUE)
(CONTINUE)
(CONTINUE)
c.
Job loss
Yes
No
DK/Refused
(CONTINUE)
(CONTINUE)
(CONTINUE)
d.
New job
Yes
No
DK/Refused
(CONTINUE)
(CONTINUE)
(CONTINUE)
e.
Retirement
Yes
No
DK/Refused
(CONTINUE)
(CONTINUE)
(CONTINUE)
f. Significant increase in household expenses (e.g. medical or home repair)
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
164
Yes
No
DK/Refused
(CONTINUE)
(CONTINUE)
(CONTINUE)
g.
Significant decrease in household expenses
Yes
No
DK/Refused
(CONTINUE)
(CONTINUE)
(CONTINUE)
h.
Divorce or death of a household member
Yes
No
DK/Refused
(CONTINUE)
(CONTINUE)
(CONTINUE)
i.
New marriage, civil union, or domestic partnership
Yes
No
DK/Refused
(CONTINUE)
(CONTINUE)
(CONTINUE)
j.
Birth, adoption, or other addition of a child to the household
Yes
No
DK/Refused
(CONTINUE)
(CONTINUE)
(CONTINUE)
k.
Move or relocation
Yes
No
DK/Refused
(CONTINUE)
(CONTINUE)
(CONTINUE)
l.
None of the above
Yes
No
DK/Refused
(CONTINUE)
(CONTINUE)
(CONTINUE)
m. DK/Refused
(TERMINATE)
Ask Q50 if household is banked (Q2 is Yes) and response to Q2e is ‘Yes’.
50. Earlier you indicated that your households did not have a bank account at some point within the
last year, but have one now. Which of these events contribute to the account being opened? (Read
only options marked in Q49. Mark all that apply)
a. Significant loss of income
Yes
No
DK/Refused
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
(CONTINUE)
(CONTINUE)
(CONTINUE)
165
b.
Significant increase in income
Yes
No
DK/Refused
(CONTINUE)
(CONTINUE)
(CONTINUE)
c.
Job loss
Yes
No
DK/Refused
(CONTINUE)
(CONTINUE)
(CONTINUE)
d.
New job
Yes
No
DK/Refused
(CONTINUE)
(CONTINUE)
(CONTINUE)
e.
Retirement
Yes
No
DK/Refused
(CONTINUE)
(CONTINUE)
(CONTINUE)
f.
Significant increase in household expenses (e.g. medical or home repair)
Yes
(CONTINUE)
No
(CONTINUE)
DK/Refused
(CONTINUE)
g.
Significant decrease in household expenses
Yes
No
DK/Refused
(CONTINUE)
(CONTINUE)
(CONTINUE)
h.
Divorce or death of a household member
Yes
No
DK/Refused
(CONTINUE)
(CONTINUE)
(CONTINUE)
i.
New marriage, civil union, or domestic partnership
Yes
No
DK/Refused
(CONTINUE)
(CONTINUE)
(CONTINUE)
j.
Birth, adoption, or other addition of a child to the household
Yes
No
DK/Refused
(CONTINUE)
(CONTINUE)
(CONTINUE)
k. Move or relocation
Yes
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
(TERMINATE)
166
No
DK/Refused
(CONTINUE)
(CONTINUE)
l.
(TERMINATE)
(TERMINATE)
(TERMINATE)
None of the above
Yes
No
DK/Refused
m. DK/Refused
(TERMINATE)
Ask Q51 if household is unbanked (Q2 is No) and response to Q4 is either ‘within the last year. .
51. Earlier you mentioned that you or someone in your household had a bank account within the past
year. Which of these events contributed to the account being closed? (Read only options marked in
Q49. Mark all that apply)
a. Significant loss of income
Yes
No
DK/Refused
(CONTINUE)
(CONTINUE)
(CONTINUE)
n.
Significant increase in income
Yes
No
DK/Refused
(CONTINUE)
(CONTINUE)
(CONTINUE)
o.
Job loss
Yes
No
DK/Refused
(CONTINUE)
(CONTINUE)
(CONTINUE)
p.
New job
Yes
No
DK/Refused
(CONTINUE)
(CONTINUE)
(CONTINUE)
q.
Retirement
Yes
No
DK/Refused
(CONTINUE)
(CONTINUE)
(CONTINUE)
r.
Significant increase in household expenses (e.g. medical or home repair)
Yes
(CONTINUE)
No
(CONTINUE)
DK/Refused
(CONTINUE)
s. Significant decrease in household expenses
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
167
Yes
No
DK/Refused
(CONTINUE)
(CONTINUE)
(CONTINUE)
t.
Divorce or death of a household member
Yes
No
DK/Refused
(CONTINUE)
(CONTINUE)
(CONTINUE)
u.
New marriage, civil union, or domestic partnership
Yes
No
DK/Refused
(CONTINUE)
(CONTINUE)
(CONTINUE)
v.
Birth, adoption, or other addition of a child to the household
Yes
No
DK/Refused
(CONTINUE)
(CONTINUE)
(CONTINUE)
w.
Move or relocation
Yes
No
DK/Refused
(TERMINATE)
(TERMINATE)
(TERMINATE)
x.
None of the above
Yes
No
DK/Refused
(TERMINATE)
(TERMINATE)
(TERMINATE)
y. DK/Refused
(TERMINATE)
ESTIMATED REPORTING BURDEN
Public reporting burden for this collection of information is estimated to average 10 minutes per response. Send comments
regarding this burden estimate or any other aspect of this collection of information, including suggestions for reducing this
burden, to the Paper Reduction Act Clearance Officer, Legal Division, Federal Deposit Insurance Corporation, 550 17th
Street, N.W., Washington, D.C. 20429; and to the Office of Management and Budget, Paperwork Reduction Project (30640072), Washington, D.C. 20503. An agency may not conduct or sponsor, and a person is not required to respond to, a
collection of information unless it displays a currently valid OMB control number.
2013 FDIC National Survey of Unbanked and Underbanked Households • October 2014
168
| File Type | application/pdf |
| File Modified | 2015-04-09 |
| File Created | 2014-10-28 |