2023 FDIC Household Survey Questions for Cognitive Testing
(draft v1; July 8, 2022)
[B20 ASKED OF all households]
Now I’m going to ask some questions about accounts that you (IF OTHERS AGE≥15 FILL: or anyone in your household) might have at banks, including credit unions.
B20. Do you (if OTHERS AGE≥15 FILL: or anyone else in your household) have a checking or savings account now?
YES [CONTINUE]
NO [CONTINUE]
DK/REFUSE [TERMINATE]
[BA40 is asked of households with a bank account] (B20=1)
B40. In the past 12 months, that is since June 2022, was there any time when no one in your household had an account?
YES [CONTINUE]
NO [CONTINUE]
DK/REFUSE [CONTINUE]
oTHER TRANSACTION ACCOUNTS
[PUSE10 ASKED OF all households]
Now I have a question about prepaid cards. Prepaid cards allow you or others, like relatives, an employer, or a government agency, to load or reload funds that can later be spent. Prepaid cards also allow you to withdraw cash from ATMs. I am not asking about gift cards or debit cards linked to other accounts.
PUSE10. Do you (if OTHERS AGE≥15 FILL: or anyone else in your household) use any prepaid cards now?
YES [CONTINUE]
NO [CONTINUE]
DK/REFUSE [CONTINUE]
[puse20 asked of households that are using a prepaid CARD now] (Puse10=1)
PUSE20. Think about the ways you (if OTHERS AGE≥15 FILL: or others in your household) used your prepaid cards in the past 12 months. Did you use prepaid cards to…
A. Build savings or keep money in a safe place?
YES [CONTINUE]
NO [CONTINUE]
DK/REFUSE [CONTINUE]
B. Pay bills like rent, mortgage, utilities, or child care?
YES [CONTINUE]
NO [CONTINUE]
DK/REFUSE [CONTINUE]
C. Receive money from work, retirement, or a government agency?
YES [CONTINUE]
NO [CONTINUE]
DK/REFUSE [CONTINUE]
D. Send or receive money from family or friends?
YES [CONTINUE]
NO [CONTINUE]
DK/REFUSE [CONTINUE]
E. Make purchases in person?
YES [CONTINUE]
NO [CONTINUE]
DK/REFUSE [CONTINUE]
F. Make purchases online?
YES [CONTINUE]
NO [CONTINUE]
DK/REFUSE [CONTINUE]
G. Are there any other ways you used prepaid cards?
YES (SPECIFY) [CONTINUE]
NO [CONTINUE]
DK/REFUSE [CONTINUE]
[PSUSE10 ASKED OF all households]
PSUSE10. Do you (if OTHERS AGE≥15 FILL: or anyone else in your household) use any online payment services with an account feature that allows you to receive and store money in the account? Examples are PayPal, Venmo, or CashApp. I am not asking about Zelle.
YES [CONTINUE]
NO [CONTINUE]
DK/REFUSE [CONTINUE]
[PSUSE20 ASKED only OF households THAT USE AN online payment SERVICE] (PSUSE10=1)
PSUSE20. Think about the ways you (IF OTHERS AGE≥15 FILL: or others in your household) used your accounts with online payment services like PayPal, Venmo, or CashApp in the past 12 months. Did you use those accounts to…
A. Build savings or keep money in a safe place?
YES [CONTINUE]
NO [CONTINUE]
DK/REFUSE [CONTINUE]
B. Pay bills like rent, mortgage, utilities, or child care?
YES [CONTINUE]
NO [CONTINUE]
DK/REFUSE [CONTINUE]
C. Receive money from work, retirement, or a government agency?
YES [CONTINUE]
NO [CONTINUE]
DK/REFUSE [CONTINUE]
D. Send or receive money from family or friends?
YES [CONTINUE]
NO [CONTINUE]
DK/REFUSE [CONTINUE]
E. Make purchases in person?
YES [CONTINUE]
NO [CONTINUE]
DK/REFUSE [CONTINUE]
F. Make purchases online?
YES [CONTINUE]
NO [CONTINUE]
DK/REFUSE [CONTINUE]
G. Are there any other ways you used online payment services?
YES (SPECIFY) [CONTINUE]
NO [CONTINUE]
DK/REFUSE [CONTINUE]
[PSUSE30 ASKED only OF households THAT USE aN online payment SERVICE] (PSUSE10=1)
PSUSE30. Thinking about your (if OTHERS AGE≥15 FILL: household’s) accounts with online payment services like PayPal, Venmo, or CashApp, are any of those accounts linked to a… (MARK ALL)
Credit card [CONTINUE]
Bank account [READ ONLY IF BANKED (B20=1)] [CONTINUE]
Prepaid card [READ ONLY IF CURRENTLY USING PREPAID CARD (PUSE10=1)] [CONTINUE]
OTHER ACCOUNT (VOLUNTEERED - SPECIFY) [CONTINUE]
NOT LINKED TO ANY ACCOUNTS [CONTINUE]
DK/REFUSE [CONTINUE]
NONBANK FINANCIAL SERVICES
The next few questions are about other financial products or services that you might have used in the past 12 months.
[NBMo10 is asked of all households]
NBMO10. In the past 12 months, did you (IF OTHERS AGE≥15 FILL: or anyone in your household) go to some place other than a bank to purchase a money order?
YES [CONTINUE]
NO [GO TO NBMT10]
DK/REFUSE [GO TO NBMT10]
[NBMo20 is asked of households that purchased a money order] (NBMO10=1)
NBMO20. What were those money orders used for? To… (MARK ALL.)
Pay bills like rent, mortgage, utilities, or child care [CONTINUE]
Send money to family or friends [CONTINUE]
Make purchases [CONTINUE]
Some other use (SPECIFY) [CONTINUE]
DK/REFUSE [CONTINUE]
[nbMT10 is asked of all households]
nbMT10. In the past 12 months, did you (IF OTHERS AGE≥15 FILL: or anyone in your household) use money transfer services from a company like Western Union, MoneyGram, Walmart Money Center, or Ria Money Transfer? Do not include services from a bank (IF USE ONLINE PAYMENT SERVICE (PSUSE10=1) THEN FILL: or online services such as PayPal, Venmo, or CashApp).
YES [CONTINUE]
NO [GO TO CNBPDL]
DK/REFUSE [GO TO CNBPDL]
[NBMT20 is asked of households that used a money transfer service] (nbmt10=1)
NBMT20. What were those money transfer services used for? To… (MARK ALL.)
Pay bills like rent, mortgage, utilities, or child care [CONTINUE]
Send or receive money from family or friends in the U.S. [CONTINUE]
Send or receive money from family or friends outside the U.S. [CONTINUE]
Some other use (SPECIFY) [CONTINUE]
DK/REFUSE [CONTINUE]
CREDIT
The next questions are about how people borrow money or purchase items on credit.
[cnbpdl is asked of all households]
CNBPDL. In the past 12 months, did you (IF OTHERS AGE≥15 FILL: or anyone in your household) take out a payday loan or payday advance from a provider other than a bank?
YES [CONTINUE]
NO [CONTINUE]
DK/REFUSE [CONTINUE]
[cnbpwn is asked of all households]
CNBPWN. In the past 12 months, did you (IF OTHERS AGE≥15 FILL: or anyone in your household) pawn an item at a pawn shop? Do not include selling an unwanted item to a pawn shop.
YES [CONTINUE]
NO [CONTINUE]
DK/REFUSE [CONTINUE]
[cnbtax is asked of all households]
CNBTAX. In the past 12 months, did you (IF OTHERS AGE≥15 FILL: or anyone in your household) pay a fee to get your tax refund faster than the IRS would provide it? This includes products like refund anticipation loans and refund advances.
YES [CONTINUE]
NO [CONTINUE]
DK/REFUSE [CONTINUE]
[cnbatl is asked of all households]
CNBATL. Auto title loans use a car title to borrow money for a short period of time. They are NOT loans used to purchase a car. In the past 12 months, did you (IF OTHERS AGE≥15 FILL: or anyone in your household) take out an auto title loan?
YES [CONTINUE]
NO [CONTINUE]
DK/REFUSE [CONTINUE]
[BNPL10 is asked of all households]
BNPL10. In the past 12 months, did you (IF OTHERS AGE≥15 FILL: or anyone in your household) buy anything using an interest-free payment plan, instead of paying the full amount upfront?
YES [CONTINUE]
NO [GO TO CCC10]
DK/REFUSE [GO TO CCC10]
[BNPL20A is asked if yes to bnpl10]
BNPL20A. In the past 12 months, how many times did you (IF OTHERS AGE≥15 FILL: or anyone in your household) buy something interest-free by making one payment every two weeks, for example using a “Pay-in-4” plan?
0 [GO TO BNPL20B]
1 [CONTINUE]
2 to 10 [CONTINUE]
More than 10 [CONTINUE]
DK/REFUSE [GO TO BNPL20B]
[BNPL30A is asked if bnpl20A > 0]
BNPL30A. In the past 12 months, did you (IF OTHERS AGE≥15 FILL: or anyone in your household) miss or make a late payment on any of these purchases?
YES [CONTINUE]
NO [CONTINUE]
DK/REFUSE [CONTINUE]
[BNPL20B is asked if yes to bnpl10]
BNPL20B. In the past 12 months, how many times did you (IF OTHERS AGE≥15 FILL: or anyone in your household) buy something interest-free by making monthly payments?
0 [GO TO CCC10]
1 [CONTINUE]
2 to 10 [CONTINUE]
More than 10 [CONTINUE]
DK/REFUSE [GO TO CCC10]
[BNPL30B is asked if bnpl10>0]
BNPL30B. In the past 12 months, did you (IF OTHERS AGE≥15 FILL: or anyone in your household) miss or make a late payment on any of these purchases?
YES [CONTINUE]
NO [CONTINUE]
DK/REFUSE [CONTINUE]
[BNPL20X is asked if BNPL20A = ZERO AND BNPL20B = ZERO]
BNPL20X. Thinking of the purchases made using an interest-free payment plan, what kind of payment plans were used? [MARK ALL]
One payment every two weeks [GO BACK TO BNPL20A]
One payment every month [GO BACK TO BNPL20B]
OTHER (VOLUNTEERED – SPECIFY) [CONTINUE]
DK/REFUSE [CONTINUE]
[CCC10 through CNBPL10 are asked of all households]
In the past 12 months, have you (if OTHERS AGE≥15 FILL: or anyone else in your household) had any of the following?
CCC10. A credit card from Visa, MasterCard, American Express, or Discover? Please do not include debit cards.
YES [CONTINUE]
NO [CONTINUE]
DK/REFUSE [CONTINUE]
CSC10. A store credit card that can only be used at that store? Do not include gift cards.
YES [CONTINUE]
NO [CONTINUE]
DK/REFUSE [CONTINUE]
CAL10. In the past 12 months, have you (if OTHERS AGE≥15 FILL: or anyone else in your household) had an auto loan? [If YES to CNBATL, then FILL: This is different from an auto title loan.]
YES [CONTINUE]
NO [CONTINUE]
DK/REFUSE [CONTINUE]
CHMLN10. A mortgage or home equity loan or home equity line of credit?
YES [CONTINUE]
NO [CONTINUE]
DK/REFUSE [CONTINUE]
CSL10. In the past 12 months, have you (if OTHERS AGE≥15 FILL: or anyone else in your household) had a student loan?
YES [CONTINUE]
NO [CONTINUE]
DK/REFUSE [CONTINUE]
CPL10. Other personal loans or lines of credit from a bank?
YES [CONTINUE]
NO [CONTINUE]
DK/REFUSE [CONTINUE]
CNBPL10. Other personal loans or lines of credit from a company other than a bank? [if YES to any of CNBPDL, CNBPWN, or CNBATL, then FILL: Do not include payday, pawn, or auto title loans.]
YES [CONTINUE]
NO [CONTINUE]
DK/REFUSE [CONTINUE]
[CNBPL30 asked of households with a nonbank personal loan or loc] (cnbpl10=1)
cNBpl30. What companies were these personal loans or lines of credit from? (SPECIFY)
AVANT (VOLUNTEERED) [CONTINUE]
BEST EGG (VOLUNTEERED) [CONTINUE]
FREEDOM PLUS (VOLUNTEERED) [CONTINUE]
LENDING POINT (VOLUNTEERED) [CONTINUE]
LENDUP (VOLUNTEERED) [CONTINUE]
LIGHTSTREAM (VOLUNTEERED) [CONTINUE]
ONE MAIN FINANCIAL (VOLUNTEERED) [CONTINUE]
OPORTUN (VOLUNTEERED) [CONTINUE]
MARCUS (VOLUNTEERED) [CONTINUE]
PAYOFF (VOLUNTEERED) [CONTINUE]
PROSPER (VOLUNTEERED) [CONTINUE]
SOFI (VOLUNTEERED) [CONTINUE]
UPSTART (VOLUNTEERED) [CONTINUE]
OTHER (SPECIFY) [CONTINUE]
DK/REFUSE [CONTINUE]
[cryp10 is asked of all households]
CRYP10. In the past 12 months, did you (IF OTHERS AGE≥15 FILL: or anyone in your household) own or use any cryptocurrency such as Bitcoin, Ether, or any other virtual currency or stablecoin?
YES [CONTINUE]
NO [GO TO EWA10]
DK/REFUSE [GO TO EWA10]
[cryp20 is asked of households that used cryptocurrency] (cryp10=1)
CRYP20. How did you (IF OTHERS AGE≥15 FILL: or others in your household) use cryptocurrency? Was it to…[MARK ALL]
Hold as savings or investment [CONTINUE]
Send or receive money from friends or family [CONTINUE]
Buy items online [CONTINUE]
Buy items in person [CONTINUE]
Receive money from work, retirement, or a government agency [CONTINUE]
Pay bills like rent, mortgage, utilities, or child care [CONTINUE]
OTHER (SPECIFY) [CONTINUE]
DK/REFUSE [CONTINUE]
[EWA10 is asked of all households]
EWA10. Some companies offer services like Earned Wage Access, Instant Pay, or On-Demand Pay, so workers can get money they’ve earned before their next scheduled paycheck. In the past 12 months, did you (IF OTHERS AGE≥15 FILL: or anyone in your household) use a service like this? [if YES to CNBPDL, then FILL: Do not include payday loans.]
YES [CONTINUE]
NO [GO TO H10]
NOT APPLICABLE – NO ONE IN HOUSEHOLD IS EMPLOYED (VOLUNTEERED) [GO TO H10]
DK/REFUSE [GO TO H10]
[EWA20 is asked of households that use earned wage access] (EWA10=1)
EWA20. When you (IF OTHERS AGE≥15 FILL: or anyone in your household) used this service, was there ever a fee to get your pay early?
YES [CONTINUE]
NO [CONTINUE]
DK/REFUSE [CONTINUE]
<END>
| File Type | application/vnd.openxmlformats-officedocument.wordprocessingml.document |
| File Modified | 0000-00-00 |
| File Created | 0000-00-00 |