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pdfF E D E R A L D E P O S I T I N S U R A N C E C O R P O R AT I O N
2015
FDIC National Survey of
Unbanked and Underbanked
Households
Appendix Tables
ECONOMICINCLUSION.GOV
2015
FDIC National Survey of
Unbanked and Underbanked
Households
OCTOBER 20, 2016
Members of the FDIC Unbanked/
Underbanked Survey Study Group
Susan Burhouse
Karyen Chu
Keith Ernst
Ryan Goodstein
Alicia Lloro
Gregory Lyons
Joyce Northwood
Yazmin Osaki
Sherrie Rhine
Dhruv Sharma
Jeffrey Weinstein
FEDERAL DEPOSIT INSURANCE CORPORATION
Division of Depositor and Consumer Protection
ECONOMICINCLUSION.GOV
2015 FDIC National Survey of Unbanked and Underbanked
Households
Appendix Table of Contents
A.
Banking Status of U.S. Households …………………………………………………………………………………….....1
B.
Banked Households: Types of Accounts and Methods Used to Access Accounts …………..………………….... 37
C.
Prepaid Cards ………………………………………………………………………………………...…………………....68
D.
Alternative Financial Services …………………………………………………………………………………………..... 83
E.
Saving for Unexpected Expenses or Emergencies …………………………………………………………………...108
F.
Bank and Nonbank Credit …………………………………………………………………………..…………………...116
G.
How Households Conduct Their Financial Transactions in a Typical Month.…………………………………….... 130
V | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
2015 FDIC National Survey of Unbanked and Underbanked
Households
List of Appendix Tables
A. Banking Status of U.S. Households
A.1 Banking Status by Household Characteristics, 2015................................................................................................................1
A.2 Distribution of Households by Characteristics and Year, 2011-2015........................................................................................3
A.3 Unbanked Rates by Household Characteristics, 2011-2015....................................................................................................5
A.4 Underbanked Rates by Household Characteristics, 2013-2015...............................................................................................7
A.5 Fully Banked Rates by Household Characteristics, 2013-2015................................................................................................9
A.6 Monthly Income Volatility by Level of Income, 2015...............................................................................................................11
A.7 Banking Status by State, 2015................................................................................................................................................11
A.8 Unbanked Rates by State, 2011-2015....................................................................................................................................13
A.9 Underbanked Rates by State, 2013-2015...............................................................................................................................15
A.10 Fully Banked Rates by State, 2013-2015..............................................................................................................................17
A.11 Banking Status by MSA, 2015...............................................................................................................................................19
A.12 Unbanked Rates by MSA, 2011-2015...................................................................................................................................22
A.13 Underbanked Rates by MSA, 2013-2015..............................................................................................................................25
A.14 Fully Banked Rates by MSA, 2013-2015...............................................................................................................................28
A.15 Likelihood of Opening an Account by Previous Banking Status and Household Characteristics, 2015..............................31
A.16 All Reasons Households Were Unbanked by Previous Banking Status, 2015......................................................................33
A.17 Main Reason Households Were Unbanked by Previous Banking Status, 2015....................................................................34
A.18 “ How Interested Are Banks in Serving Households Like Yours?” by Banking Status
and Household Characteristics, 2015...................................................................................................................................35
B. Banked Households: Types of Accounts and Methods Used to Access Accounts
B.1 Types of Accounts Owned by Banked Households, 2015......................................................................................................37
B.2 Savings Account Ownership Rates by Household Characteristics, Banked Households, 2011-2015...................................39
B.3 All Methods Used to Access Bank Accounts by Banking Status and Household Characteristics, 2015...............................41
B.4 Primary Method Used to Access Bank Accounts by Banking Status and Household Characteristics, 2015........................43
B.5 Bank Teller as Primary Method Used to Access Bank Accounts by Banking Status
and Household Characteristics, 2013-2015............................................................................................................................46
B.6 ATM/Kiosk as Primary Method Used to Access Bank Accounts by Banking Status
and Household Characteristics, 2013-2015............................................................................................................................48
B.7 Telephone Banking as Primary Method Used to Access Bank Accounts by Banking Status
and Household Characteristics, 2013-2015............................................................................................................................50
B.8 Online Banking as Primary Method Used to Access Bank Accounts by Banking Status
and Household Characteristics, 2013-2015............................................................................................................................52
B.9 Mobile Banking as Primary Method Used to Access Bank Accounts by Banking Status
and Household Characteristics, 2013-2015............................................................................................................................54
B.10 Use of Bank Tellers by Banking Status and Household Characteristics, 2015.....................................................................56
VI | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
2015 FDIC National Survey of Unbanked and Underbanked
Households
B.11 Internet Access at Home by Banking Status and Household Characteristics, 2015............................................................58
B.12 Mobile Phone Access by Banking Status and Household Characteristics, 2015.................................................................60
B.13 Smartphone Access by Banking Status and Household Characteristics, 2015...................................................................62
B.14 Mobile Phone Access by Banking Status and Household Characteristics, 2013-2015.......................................................64
B.15 Smartphone Access by Banking Status and Household Characteristics, 2013-2015..........................................................66
C. Prepaid Cards
C.1 Prepaid Card Use by Banking Status and Household Characteristics, 2015.........................................................................68
C.2 Prepaid Card Use by Banking Status and Household Characteristics, 2013-2015................................................................70
C.3 Prepaid Card Use Among Unbanked Households by Household Characteristics, 2015.......................................................72
C.4 Prepaid Card Use Among Unbanked Households by Household Characteristics, 2013-2015..............................................74
C.5 Prepaid Card Use by State, 2013-2015..................................................................................................................................76
C.6 Prepaid Card Use by MSA, 2013-2015...................................................................................................................................78
C.7 Sources of Prepaid Cards by Banking Status and Household Characteristics, 2015............................................................80
D. Alternative Financial Services
D.1 AFS Use by Bank Account Ownership and Household Characteristics, 2015.......................................................................83
D.2 AFS Use by Bank Account Ownership and Household Characteristics, 2013-2015..............................................................85
D.3 Transaction AFS Use by Bank Account Ownership and Household Characteristics, 2015....................................................87
D.4 Transaction AFS Use by Bank Account Ownership and Household Characteristics, 2011-2015..........................................89
D.5 Credit AFS Use by Bank Account Ownership and Household Characteristics, 2015............................................................91
D.6 Credit AFS Use by Bank Account Ownership and Household Characteristics, 2013-2015...................................................93
D.7 AFS Use by State, 2013-2015.................................................................................................................................................95
D.8 Transaction AFS Use by State, 2011-2015.............................................................................................................................97
D.9 Credit AFS Use by State, 2013-2015......................................................................................................................................99
D.10 AFS Use by MSA, 2013-2015.............................................................................................................................................101
D.11 Transaction AFS Use by MSA, 2011-2015..........................................................................................................................103
D.12 Credit AFS Use by MSA, 2013-2015...................................................................................................................................105
D.13 U
se of Bank and Nonbank Remittances in Past 12 Months by Bank Account Ownership
and Selected Household Characteristics, 2015..................................................................................................................107
D.14 Use of Bank and Nonbank Remittances in a Typical Month by Bank Account Ownership
and Selected Household Characteristics, 2015..................................................................................................................107
E. Saving for Unexpected Expenses or Emergencies
E.1 Rates of Saving for Unexpected Expenses or Emergencies by Banking Status and Household Characteristics, 2015......108
E.2 Rates of Saving for Unexpected Expenses or Emergencies by State, 2015.........................................................................110
E.3 Rates of Saving for Unexpected Expenses or Emergencies by MSA, 2015.........................................................................112
E.4 Savings Methods by Banking Status and Household Characteristics, 2015........................................................................114
VII | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
2015 FDIC National Survey of Unbanked and Underbanked
Households
F. Bank and Nonbank Credit
F.1 Bank Credit by Banking Status and Household Characteristics, 2015..................................................................................116
F.2 Bank and Nonbank Credit by Banking Status and Household Characteristics, 2015...........................................................118
F.3 Applications and Potential Ability to Qualify for Bank Credit by Banking Status
and Household Characteristics, 2015....................................................................................................................................120
F.4 Bank Credit by State, 2015....................................................................................................................................................122
F.5 Applications and Potential Ability to Qualify for Bank Credit by State, 2015.........................................................................124
F.6 Bank Credit by MSA, 2015.....................................................................................................................................................126
F.7 Applications and Potential Ability to Qualify for Bank Credit by MSA, 2015.........................................................................128
G. How Households Conduct Their Financial Transactions in a Typical Month
G.1 All Methods Used to Pay Bills in a Typical Month by Banking Status, 2015........................................................................130
G.2 Primary Method Used to Pay Bills in a Typical Month by Banking Status, 2015..................................................................131
G.3 All Methods Used to Receive Income in a Typical Month by Banking Status, 2015............................................................132
G.4 All Methods Used to Pay Bills in a Typical Month by Income, 2015.....................................................................................133
G.5 Primary Method Used to Pay Bills in a Typical Month by Income, 2015..............................................................................134
G.6 All Methods Used to Receive Income in a Typical Month by Income, 2015.........................................................................135
G.7 All Methods Used to Pay Bills in a Typical Month by Education, 2015.................................................................................136
G.8 Primary Method Used to Pay Bills in a Typical Month by Education, 2015..........................................................................137
G.9 All Methods Used to Receive Income in a Typical Month by Education, 2015.....................................................................138
G.10 All Methods Used to Pay Bills in a Typical Month by Age, 2015........................................................................................139
G.11 Primary Method Used to Pay Bills in a Typical Month by Age, 2015..................................................................................140
G.12 All Methods Used to Receive Income in a Typical Month by Age, 2015.............................................................................141
G.13 All Methods Used to Pay Bills in a Typical Month by Race/Ethnicity, 2015........................................................................142
G.14 Primary Method Used to Pay Bills in a Typical Month by Race/Ethnicity, 2015.................................................................143
G.15 All Methods Used to Receive Income in a Typical Month by Race/Ethnicity, 2015............................................................144
VIII | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.1 Banking
Status by Household Characteristics, 2015
For all households, row percent
Number of
Households
(1000s)
Percent of
Households
Unbanked
(Percent)
Banked:
Underbanked
(Percent)
Banked:
Fully banked
(Percent)
Banked:
Underbanked
status
unknown
(Percent)
127,538
100.0
7.0
19.9
68.0
5.0
Less than $15,000
18,046
100.0
25.6
24.3
45.1
4.9
$15,000 to $30,000
21,392
100.0
11.8
23.6
59.5
5.1
$30,000 to $50,000
25,336
100.0
5.0
23.7
66.2
5.1
$50,000 to $75,000
23,003
100.0
1.6
20.2
73.0
5.1
At least $75,000
39,761
100.0
0.5
13.4
81.3
4.9
No high school diploma
13,802
100.0
23.2
25.9
46.4
4.5
High school diploma
33,239
100.0
9.7
22.2
62.9
5.3
Some college
37,512
100.0
5.5
22.0
67.7
4.8
College degree
42,985
100.0
1.1
14.5
79.1
5.2
15 to 24 years
6,648
100.0
13.1
29.4
52.1
5.5
25 to 34 years
21,005
100.0
10.6
24.5
60.8
4.0
35 to 44 years
21,640
100.0
8.9
22.7
63.1
5.3
45 to 54 years
23,773
100.0
6.7
21.1
67.5
4.8
55 to 64 years
23,981
100.0
5.8
18.5
70.9
4.8
65 years or more
30,491
100.0
3.1
13.0
78.1
5.8
Black
17,961
100.0
18.2
31.1
45.5
5.2
Hispanic
16,106
100.0
16.2
29.3
48.9
5.6
Asian
6,275
100.0
4.0
21.0
67.2
7.8
White
85,428
100.0
3.1
15.6
76.6
4.7
Other
1,768
100.0
11.1
27.5
56.7
4.6
Disabled, age 25 to 64
11,497
100.0
17.6
28.4
49.7
4.3
Not disabled, age 25 to 64
78,902
100.0
6.5
20.6
68.1
4.8
Not applicable (not age 25 to 64)
37,139
100.0
4.9
15.9
73.4
5.7
Employed
78,152
100.0
5.0
21.4
68.7
5.0
Unemployed
3,869
100.0
23.0
24.8
48.6
3.7
Not in labor force
45,517
100.0
9.2
17.1
68.5
5.3
Homeowner
80,685
100.0
2.3
15.4
77.4
4.9
Non-homeowner
46,853
100.0
15.2
27.7
51.8
5.3
Characteristics
All
Family income
Education
Age group
Race/Ethnicity
Disability status
Employment status
Homeownership
1 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.1 Banking
Status by Household Characteristics, 2015
For all households, row percent
Number of
Households
(1000s)
Percent of
Households
Unbanked
(Percent)
Banked:
Underbanked
(Percent)
Banked:
Fully banked
(Percent)
Banked:
Underbanked
status
unknown
(Percent)
Married couple
59,549
100.0
3.3
17.6
74.4
4.7
Unmarried female-headed family
15,998
100.0
16.2
29.1
49.6
5.1
Unmarried male-headed family
6,143
100.0
9.8
27.0
57.3
5.8
Female individual
23,474
100.0
6.8
18.1
69.5
5.5
Male individual
22,100
100.0
9.8
19.6
65.5
5.1
NA
NA
NA
NA
NA
NA
108,671
100.0
6.1
18.4
70.7
4.8
Foreign-born citizen
9,728
100.0
4.6
25.6
62.9
6.8
Foreign-born non-citizen
9,140
100.0
20.3
32.5
41.2
6.1
124,675
100.0
6.5
19.7
68.8
5.0
2,863
100.0
31.0
29.1
33.9
6.0
Metropolitan area - principal city
36,531
100.0
10.3
23.2
60.8
5.7
Metropolitan area - balance
54,619
100.0
5.2
17.5
72.0
5.3
Not in metropolitan area
17,895
100.0
7.6
21.4
67.3
3.6
Not identified
18,494
100.0
5.4
19.2
71.2
4.2
Northeast
22,699
100.0
6.3
19.3
67.9
6.4
Midwest
27,625
100.0
5.7
17.5
72.5
4.3
South
48,382
100.0
8.7
21.6
65.0
4.7
West
28,832
100.0
5.9
19.9
68.9
5.3
Income was about the same
each month
91,549
100.0
5.7
19.1
74.4
0.8
Income varied somewhat from
month to month
20,839
100.0
8.7
26.6
64.0
0.6
Income varied a lot from month
to month
5,781
100.0
12.9
30.9
55.2
1.0
Unknown
9,370
100.0
12.7
6.3
22.2
58.8
Characteristics
Household type
Other
Nativity
U.S.-born
Spanish only language
spoken
Spanish is not only language
spoken
Spanish is only language spoken
Metropolitan status
Geographic region
Monthly income volatility
NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than
zero. Estimates do not always reconcile to totals because of rounding.
2 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.2 Distribution of Households by Characteristics and Year, 2011-2015
For all households, column percent
Characteristics
2011 (Percent)
2013 (Percent)
2015 (Percent)
120,408
123,750
127,538
100.0
100.0
100.0
Less than $15,000
16.2
15.4
14.1
$15,000 to $30,000
18.3
17.6
16.8
$30,000 to $50,000
20.6
19.8
19.9
$50,000 to $75,000
18.3
18.2
18.0
At least $75,000
26.6
29.0
31.2
No high school diploma
11.9
11.2
10.8
High school diploma
28.6
27.2
26.1
Some college
28.2
29.1
29.4
College degree
31.2
32.5
33.7
15 to 24 years
5.2
5.0
5.2
25 to 34 years
16.9
16.5
16.5
35 to 44 years
17.8
17.3
17.0
45 to 54 years
20.5
19.8
18.6
55 to 64 years
18.3
18.4
18.8
65 years or more
21.3
22.9
23.9
Black
13.3
13.6
14.1
Hispanic
11.4
12.1
12.6
Asian
4.1
4.8
4.9
White
69.8
68.1
67.0
Other
1.4
1.4
1.4
Disabled, age 25 to 64
9.1
8.8
9.0
Not disabled, age 25 to 64
64.4
63.3
61.9
Not applicable (not age 25 to 64)
26.5
28.0
29.1
Employed
60.3
61.1
61.3
Unemployed
5.6
4.4
3.0
Not in labor force
34.1
34.5
35.7
Homeowner
65.7
64.8
63.3
Non-homeowner
34.3
35.2
36.7
Number of Households (1000s)
Percent of Households
Family income
Education
Age group
Race/Ethnicity
Disability status
Employment status
Homeownership
3 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.2 Distribution of Households by Characteristics and Year, 2011-2015
For all households, column percent
Characteristics
2011 (Percent)
2013 (Percent)
2015 (Percent)
Married couple
47.8
47.8
46.7
Unmarried female-headed family
12.9
12.8
12.5
Household type
Unmarried male-headed family
4.7
5.1
4.8
Female individual
18.0
17.9
18.4
Male individual
16.4
16.4
17.3
Other
0.1
0.1
0.2
U.S.-born
86.5
86.0
85.2
Foreign-born citizen
7.0
7.5
7.6
Foreign-born non-citizen
6.5
6.5
7.2
Spanish is not only language spoken
98.0
97.9
97.8
Spanish is only language spoken
2.0
2.1
2.2
Metropolitan area - principal city
27.9
27.9
28.6
Metropolitan area - balance
41.2
41.4
42.8
Not in metropolitan area
15.9
15.6
14.0
Not identified
15.0
15.1
14.5
Northeast
18.1
17.9
17.8
Midwest
22.3
22.1
21.7
South
37.3
37.8
37.9
West
22.3
22.2
22.6
Nativity
Spanish only language spoken
Metropolitan status
Geographic region
Monthly income volatility
Income was about the same each month
71.8
Income varied somewhat from month to month
16.3
Income varied a lot from month to month
4.5
Unknown
7.3
Monthly income volatility is not available in years 2013 and earlier. NA indicates that the sample size is too small to produce a precise estimate. - indicates an
estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
4 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.3 Unbanked Rates by Household Characteristics, 2011-2015
For all households
2011
(Percent)
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
8.2
7.7
7.0
(6.8, 7.3)
-0.7*
(-1.1, -0.3)
Less than $15,000
28.2
27.7
25.6
(24.3, 27.0)
-2.1*
(-3.6, -0.5)
$15,000 to $30,000
11.7
11.4
11.8
(11.1, 12.7)
0.5
(-0.6, 1.6)
$30,000 to $50,000
4.9
5.1
5.0
(4.5, 5.5)
-0.1
(-0.9, 0.7)
$50,000 to $75,000
2.0
1.7
1.6
(1.3, 2.0)
-0.1
(-0.6, 0.3)
At least $75,000
0.4
0.5
0.5
(0.4, 0.6)
-0.1
(-0.3, 0.1)
No high school diploma
25.8
25.1
23.2
(21.8, 24.6)
-1.9
(-3.8, 0.1)
High school diploma
10.9
10.8
9.7
(9.1, 10.3)
-1.2*
(-2.0, -0.3)
Some college
5.9
5.6
5.5
(5.0, 6.0)
-0.1
(-0.7, 0.6)
College degree
1.1
1.1
1.1
(1.0, 1.4)
0.0
(-0.2, 0.3)
15 to 24 years
17.4
15.7
13.1
(11.6, 14.7)
-2.7*
(-5.0, -0.4)
25 to 34 years
12.7
12.5
10.6
(9.9, 11.4)
-1.8*
(-3.0, -0.6)
35 to 44 years
9.3
9.0
8.9
(8.3, 9.7)
-0.1
(-1.1, 1.0)
45 to 54 years
8.1
7.5
6.7
(6.0, 7.4)
-0.9
(-1.8, 0.0)
55 to 64 years
5.5
5.6
5.8
(5.3, 6.4)
0.2
(-0.5, 1.0)
65 years or more
3.9
3.5
3.1
(2.7, 3.5)
-0.4
(-1.0, 0.2)
Black
21.4
20.6
18.2
(16.9, 19.5)
-2.4*
(-4.2, -0.6)
Hispanic
20.1
17.9
16.2
(15.1, 17.4)
-1.7*
(-3.4, 0.0)
Asian
2.7
2.2
4.0
(3.1, 5.1)
1.8*
(0.7, 2.9)
White
4.0
3.6
3.1
(2.9, 3.3)
-0.5*
(-0.8, -0.2)
Other
13.0
15.0
11.1
(9.0, 13.6)
-3.9*
(-7.6, -0.2)
Disabled, age 25 to 64
18.9
18.4
17.6
(16.3, 19.0)
-0.8
(-2.6, 1.1)
Not disabled, age 25 to 64
7.4
7.2
6.5
(6.2, 6.9)
-0.7*
(-1.2, -0.2)
Not applicable (not age 25 to 64)
6.5
5.7
4.9
(4.5, 5.3)
-0.8*
(-1.4, -0.2)
Employed
5.3
5.4
5.0
(4.7, 5.3)
-0.5*
(-1.0, 0.0)
Unemployed
22.5
23.0
23.0
(20.4, 25.8)
-0.1
(-3.1, 3.0)
Not in labor force
11.0
9.9
9.2
(8.7, 9.8)
-0.6
(-1.3, 0.0)
Homeowner
2.8
2.6
2.3
(2.1, 2.5)
-0.2
(-0.5, 0.0)
Non-homeowner
18.5
17.3
15.2
(14.5, 15.9)
-2.1*
(-3.1, -1.1)
Characteristics
All
Family income
Education
Age group
Race/Ethnicity
Disability status
Employment status
Homeownership
5 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.3 Unbanked Rates by Household Characteristics, 2011-2015
For all households
2011
(Percent)
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
Married couple
3.7
3.4
3.3
(3.0, 3.6)
-0.1
(-0.5, 0.2)
Unmarried female-headed family
19.1
18.4
16.2
(15.0, 17.4)
-2.2*
(-3.8, -0.6)
Unmarried male-headed family
14.3
13.2
9.8
(8.5, 11.3)
-3.3*
(-5.5, -1.2)
Female individual
7.8
7.4
6.8
(6.2, 7.5)
-0.5
(-1.4, 0.3)
Male individual
11.4
10.7
9.8
(9.1, 10.6)
-0.8
(-1.9, 0.2)
Other
NA
NA
NA
NA
NA
NA
U.S.-born
7.4
6.9
6.1
(5.8, 6.4)
-0.7*
(-1.1, -0.3)
Foreign-born citizen
5.4
4.7
4.6
(3.8, 5.6)
-0.1
(-1.2, 1.0)
Foreign-born non-citizen
22.2
22.7
20.3
(18.6, 22.0)
-2.5
(-5.0, 0.0)
Spanish is not only language spoken
7.6
7.1
6.5
(6.2, 6.8)
-0.7*
(-1.1, -0.3)
Spanish is only language spoken
36.9
34.9
31.0
(27.7, 34.5)
-3.9
(-8.9, 1.0)
Metropolitan area - principal city
12.1
11.4
10.3
(9.6, 11.0)
-1.2*
(-2.1, -0.2)
Metropolitan area - balance
5.6
5.5
5.2
(4.8, 5.7)
-0.3
(-0.8, 0.3)
Not in metropolitan area
9.2
8.5
7.6
(6.9, 8.4)
-0.8
(-1.9, 0.2)
Not identified
7.2
6.4
5.4
(4.8, 6.0)
-1.0*
(-1.9, -0.1)
Northeast
7.1
6.8
6.3
(5.6, 7.1)
-0.4
(-1.4, 0.5)
Midwest
7.1
6.4
5.7
(5.2, 6.3)
-0.7
(-1.4, 0.1)
South
10.0
9.2
8.7
(8.2, 9.3)
-0.4
(-1.1, 0.2)
West
7.2
7.4
5.9
(5.4, 6.5)
-1.5*
(-2.3, -0.6)
Characteristics
Household type
Nativity
Spanish only language spoken
Metropolitan status
Geographic region
* indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an
estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
6 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.4 U
nderbanked Rates by Household Characteristics, 2013-2015
For all households
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
20.0
19.9
(19.5, 20.4)
-0.1
(-0.6, 0.5)
Less than $15,000
22.4
24.3
(23.2, 25.5)
2.0*
(0.5, 3.5)
$15,000 to $30,000
25.0
23.6
(22.6, 24.6)
-1.4*
(-2.8, -0.1)
$30,000 to $50,000
23.3
23.7
(22.8, 24.8)
0.5
(-1.0, 1.9)
$50,000 to $75,000
19.8
20.2
(19.3, 21.2)
0.5
(-0.7, 1.6)
At least $75,000
13.6
13.4
(12.8, 14.0)
-0.2
(-1.1, 0.6)
No high school diploma
24.1
25.9
(24.7, 27.2)
1.8*
(0.1, 3.5)
High school diploma
21.9
22.2
(21.3, 23.0)
0.3
(-0.9, 1.4)
Some college
23.0
22.0
(21.2, 22.8)
-1.1
(-2.2, 0.1)
College degree
14.3
14.5
(13.9, 15.1)
0.2
(-0.6, 1.0)
15 to 24 years
30.8
29.4
(27.3, 31.7)
-1.4
(-4.4, 1.6)
25 to 34 years
24.7
24.5
(23.4, 25.6)
-0.2
(-1.8, 1.5)
35 to 44 years
23.8
22.7
(21.7, 23.6)
-1.2
(-2.6, 0.2)
45 to 54 years
21.9
21.1
(20.1, 22.1)
-0.8
(-2.1, 0.4)
55 to 64 years
17.7
18.5
(17.7, 19.5)
0.8
(-0.4, 2.1)
65 years or more
11.6
13.0
(12.4, 13.7)
1.4*
(0.5, 2.4)
Black
33.2
31.1
(29.6, 32.7)
-2.0
(-4.1, 0.1)
Hispanic
28.6
29.3
(27.7, 30.8)
0.7
(-1.4, 2.8)
Asian
17.7
21.0
(18.9, 23.3)
3.3*
(0.4, 6.3)
White
15.9
15.6
(15.1, 16.1)
-0.3
(-1.0, 0.4)
Other
25.3
27.5
(24.5, 30.8)
2.2
(-2.3, 6.7)
Disabled, age 25 to 64
28.1
28.4
(27.1, 29.8)
0.3
(-1.6, 2.3)
Not disabled, age 25 to 64
21.1
20.6
(20.0, 21.2)
-0.5
(-1.3, 0.3)
Not applicable (not age 25 to 64)
15.1
15.9
(15.3, 16.6)
0.9
(0.0, 1.8)
Employed
21.7
21.4
(20.8, 22.0)
-0.3
(-1.1, 0.4)
Unemployed
25.3
24.8
(22.3, 27.4)
-0.5
(-3.8, 2.8)
Not in labor force
16.3
17.1
(16.4, 17.7)
0.7
(-0.1, 1.6)
Homeowner
15.5
15.4
(14.9, 15.9)
-0.1
(-0.8, 0.5)
Non-homeowner
28.2
27.7
(26.9, 28.6)
-0.5
(-1.6, 0.6)
Characteristics
All
Family income
Education
Age group
Race/Ethnicity
Disability status
Employment status
Homeownership
7 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.4 U
nderbanked Rates by Household Characteristics, 2013-2015
For all households
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
Married couple
17.7
17.6
(17.0, 18.2)
-0.2
(-1.0, 0.6)
Unmarried female-headed family
29.2
29.1
(27.8, 30.4)
-0.1
(-2.0, 1.8)
Unmarried male-headed family
28.3
27.0
(25.1, 29.0)
-1.2
(-4.2, 1.8)
Female individual
17.2
18.1
(17.3, 19.0)
0.9
(-0.4, 2.3)
Male individual
20.0
19.6
(18.6, 20.6)
-0.4
(-1.8, 0.9)
Other
NA
NA
NA
NA
NA
U.S.-born
19.1
18.4
(17.9, 18.8)
-0.7*
(-1.3, 0.0)
Foreign-born citizen
24.0
25.6
(23.8, 27.5)
1.7
(-0.8, 4.1)
Foreign-born non-citizen
28.0
32.5
(30.4, 34.6)
4.5*
(1.8, 7.1)
Spanish is not only language
spoken
19.9
19.7
(19.3, 20.2)
-0.2
(-0.8, 0.4)
Spanish is only language spoken
23.7
29.1
(26.1, 32.4)
5.5*
(0.9, 10.0)
Metropolitan area - principal city
22.3
23.2
(22.3, 24.1)
0.9
(-0.2, 2.1)
Metropolitan area - balance
17.8
17.5
(16.9, 18.2)
-0.3
(-1.1, 0.5)
Not in metropolitan area
21.0
21.4
(20.1, 22.8)
0.5
(-1.3, 2.2)
Not identified
20.8
19.2
(18.0, 20.4)
-1.6*
(-3.1, -0.1)
Northeast
19.3
19.3
(18.3, 20.3)
0.0
(-1.3, 1.3)
Midwest
16.9
17.5
(16.6, 18.5)
0.6
(-0.6, 1.8)
South
23.5
21.6
(20.9, 22.3)
-1.9*
(-3.0, -0.9)
West
17.6
19.9
(19.1, 20.8)
2.3*
(1.1, 3.5)
Characteristics
Household type
Nativity
Spanish only language spoken
Metropolitan status
Geographic region
* indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an
estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
8 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.5 Fully Banked Rates by Household Characteristics, 2013-2015
For all households
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
67.0
68.0
(67.5, 68.5)
1.0*
(0.3, 1.7)
Less than $15,000
45.2
45.1
(43.7, 46.5)
-0.1
(-1.8, 1.7)
$15,000 to $30,000
57.9
59.5
(58.3, 60.6)
1.5
(-0.1, 3.2)
$30,000 to $50,000
65.7
66.2
(65.1, 67.2)
0.4
(-1.1, 2.0)
$50,000 to $75,000
73.2
73.0
(71.9, 74.1)
-0.2
(-1.6, 1.2)
At least $75,000
81.0
81.3
(80.5, 81.9)
0.3
(-0.7, 1.3)
No high school diploma
46.3
46.4
(44.8, 48.0)
0.1
(-2.1, 2.3)
High school diploma
61.7
62.9
(61.9, 63.9)
1.2
(-0.2, 2.6)
Some college
66.2
67.7
(66.8, 68.6)
1.5*
(0.2, 2.8)
College degree
79.3
79.1
(78.4, 79.9)
-0.1
(-1.1, 0.9)
15 to 24 years
48.8
52.1
(49.7, 54.4)
3.2
(0.0, 6.5)
25 to 34 years
58.3
60.8
(59.5, 62.2)
2.5*
(0.7, 4.4)
35 to 44 years
62.5
63.1
(62.1, 64.2)
0.6
(-0.9, 2.1)
45 to 54 years
65.4
67.5
(66.4, 68.6)
2.1*
(0.6, 3.6)
55 to 64 years
71.7
70.9
(69.8, 71.9)
-0.9
(-2.4, 0.6)
65 years or more
78.2
78.1
(77.3, 78.9)
-0.1
(-1.2, 1.0)
Black
40.0
45.5
(43.9, 47.0)
5.5*
(3.3, 7.6)
Hispanic
48.4
48.9
(47.2, 50.6)
0.5
(-1.8, 2.8)
Asian
73.4
67.2
(64.6, 69.7)
-6.3*
(-9.8, -2.8)
White
75.4
76.6
(76.1, 77.2)
1.2*
(0.4, 2.0)
Other
55.2
56.7
(53.2, 60.2)
1.6
(-3.8, 6.9)
Disabled, age 25 to 64
49.0
49.7
(48.2, 51.3)
0.7
(-1.6, 3.0)
Not disabled, age 25 to 64
66.8
68.1
(67.5, 68.8)
1.3*
(0.4, 2.1)
Not applicable (not age 25 to 64)
72.9
73.4
(72.6, 74.2)
0.5
(-0.6, 1.7)
Employed
67.8
68.7
(68.1, 69.4)
0.9*
(0.0, 1.7)
Unemployed
47.8
48.6
(45.7, 51.5)
0.7
(-3.0, 4.4)
Not in labor force
67.9
68.5
(67.7, 69.3)
0.5
(-0.6, 1.6)
Homeowner
76.7
77.4
(76.8, 78.0)
0.7
(0.0, 1.5)
Non-homeowner
49.2
51.8
(50.9, 52.7)
2.6*
(1.3, 3.9)
Characteristics
All
Family income
Education
Age group
Race/Ethnicity
Disability status
Employment status
Homeownership
9 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.5 Fully Banked Rates by Household Characteristics, 2013-2015
For all households
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
Married couple
73.9
74.4
(73.7, 75.2)
0.6
(-0.3, 1.5)
Unmarried female-headed family
47.5
49.6
(48.0, 51.2)
2.1
(0.0, 4.3)
Unmarried male-headed family
53.7
57.3
(54.9, 59.6)
3.6*
(0.2, 6.9)
Female individual
69.4
69.5
(68.5, 70.5)
0.1
(-1.4, 1.6)
Male individual
63.7
65.5
(64.4, 66.7)
1.9*
(0.2, 3.6)
Other
NA
NA
NA
NA
NA
U.S.-born
69.0
70.7
(70.2, 71.3)
1.8*
(1.0, 2.5)
Foreign-born citizen
64.6
62.9
(60.9, 64.9)
-1.7
(-4.3, 1.0)
Foreign-born non-citizen
43.9
41.2
(39.1, 43.2)
-2.7
(-5.5, 0.1)
Spanish is not only language
spoken
67.6
68.8
(68.3, 69.3)
1.2*
(0.5, 1.9)
Spanish is only language spoken
38.1
33.9
(30.6, 37.3)
-4.2
(-9.2, 0.8)
Metropolitan area - principal city
60.8
60.8
(59.8, 61.9)
0.0
(-1.4, 1.4)
Metropolitan area - balance
71.1
72.0
(71.2, 72.7)
0.9
(-0.1, 1.9)
Not in metropolitan area
66.1
67.3
(65.6, 68.9)
1.2
(-0.7, 3.2)
Not identified
68.1
71.2
(69.9, 72.5)
3.1*
(1.4, 4.8)
Northeast
68.4
67.9
(66.7, 69.1)
-0.5
(-2.0, 1.0)
Midwest
71.4
72.5
(71.4, 73.5)
1.0
(-0.4, 2.5)
South
62.1
65.0
(64.1, 65.8)
2.9*
(1.7, 4.0)
West
69.6
68.9
(67.7, 69.9)
-0.8
(-2.3, 0.7)
Characteristics
Household type
Nativity
Spanish only language spoken
Metropolitan status
Geographic region
* indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an
estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
10 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.6 Monthly Income Volatility by Level of Income, 2015
For all households, row percent
Percent of
Households
Income
was about
the same
each month
(Percent)
Income
varied
somewhat
from month
to month
(Percent)
Income
varied a lot
from month
to month
(Percent)
Unknown
(Percent)
127,538
100.0
71.8
16.3
4.5
7.3
Less than $15,000
18,046
100.0
69.2
14.1
7.5
9.2
$15,000 to $30,000
21,392
100.0
71.1
16.1
4.8
8.0
$30,000 to $50,000
25,336
100.0
71.0
17.5
4.3
7.3
$50,000 to $75,000
23,003
100.0
71.6
17.4
4.0
7.0
At least $75,000
39,761
100.0
74.0
16.1
3.5
6.4
Characteristics
All
Number of
Households
(1000s)
Family income
NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than
zero. Estimates do not always reconcile to totals because of rounding.
A.7 Banking Status by State, 2015
For all households, row percent
Number of
Households
(1000s)
Percent of
Households
Unbanked
(Percent)
Banked:
Underbanked
(Percent)
Banked:
Fully banked
(Percent)
Banked:
Underbanked
status unknown
(Percent)
127,538
100.0
7.0
19.9
68.0
5.0
AL
2,130
100.0
12.5
23.9
60.5
3.2
AK
282
100.0
3.5
26.1
65.5
4.8
AZ
2,754
100.0
8.5
18.5
68.3
4.7
AR
1,213
100.0
9.7
22.6
63.1
4.6
CA
14,384
100.0
6.2
19.1
68.2
6.5
CO
2,217
100.0
4.4
19.1
73.8
2.7
CT
1,446
100.0
6.2
14.8
73.3
5.7
DE
386
100.0
4.8
15.4
72.1
7.7
DC
314
100.0
10.8
25.4
60.5
3.3
FL
8,455
100.0
5.9
17.7
68.9
7.5
GA
3,925
100.0
11.9
24.6
60.8
2.8
HI
490
100.0
2.4
17.4
74.2
5.9
ID
620
100.0
3.6
23.1
71.6
1.7
IL
5,082
100.0
7.1
14.3
74.0
4.6
Geography
All
State
IN
2,697
100.0
4.8
18.2
74.2
2.8
IA
1,328
100.0
4.2
18.2
70.7
6.9
KS
1,163
100.0
7.6
18.3
71.0
3.1
KY
1,815
100.0
9.0
18.2
69.1
3.7
LA
1,884
100.0
14.0
23.8
58.9
3.3
ME
586
100.0
2.3
17.1
76.5
4.1
MD
2,308
100.0
4.8
22.4
68.7
4.1
11 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.7 Banking Status by State, 2015
For all households, row percent
Number of
Households
(1000s)
Percent of
Households
Unbanked
(Percent)
Banked:
Underbanked
(Percent)
Banked:
Fully banked
(Percent)
Banked:
Underbanked
status unknown
(Percent)
MA
2,796
100.0
5.7
16.0
71.8
6.5
MI
4,071
100.0
6.0
19.8
70.2
4.0
MN
2,353
100.0
3.4
14.3
79.5
2.8
MS
1,180
100.0
12.6
25.5
59.0
2.9
MO
2,417
100.0
8.5
22.3
65.0
4.2
MT
442
100.0
4.0
13.3
76.7
6.0
NE
746
100.0
5.1
21.1
68.1
5.7
NV
1,212
100.0
8.9
27.3
59.5
4.3
NH
543
100.0
1.8
18.2
76.9
3.0
NJ
3,452
100.0
7.4
15.6
71.3
5.7
NM
806
100.0
9.4
26.9
59.6
4.1
NY
7,986
100.0
8.0
23.8
59.4
8.8
NC
4,018
100.0
7.7
20.6
66.2
5.5
ND
320
100.0
3.0
20.8
71.8
4.4
OH
4,710
100.0
5.8
17.5
71.3
5.3
OK
1,603
100.0
11.0
26.4
60.6
2.0
OR
1,610
100.0
5.1
20.5
67.8
6.6
PA
5,194
100.0
4.7
18.8
72.1
4.4
RI
433
100.0
5.0
16.1
74.5
4.5
SC
1,993
100.0
8.9
23.4
65.1
2.6
Geography
SD
332
100.0
4.2
19.8
73.0
3.0
TN
2,863
100.0
10.8
19.2
66.1
4.0
TX
10,291
100.0
9.4
23.7
62.5
4.5
UT
980
100.0
3.9
20.9
73.0
2.2
VT
265
100.0
1.5
12.8
81.3
4.3
VA
3,225
100.0
4.6
19.7
70.8
4.9
WA
2,784
100.0
4.1
20.7
71.9
3.3
WV
779
100.0
8.0
17.5
68.7
5.8
WI
2,405
100.0
3.4
15.6
77.2
3.8
WY
251
100.0
2.4
20.5
73.5
3.6
NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than
zero. Estimates do not always reconcile to totals because of rounding.
12 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.8 Unbanked Rates by State, 2011-2015
For all households
2011
(Percent)
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
8.2
7.7
7.0
(6.8, 7.3)
-0.7*
(-1.1, -0.3)
AL
10.2
9.2
12.5
(10.3, 15.0)
3.2*
(0.4, 6.1)
AK
5.2
1.9
3.5
(1.8, 6.8)
1.6
(-1.2, 4.4)
AZ
11.6
12.8
8.5
(6.4, 11.2)
-4.2*
(-8.3, -0.2)
AR
12.3
12.3
9.7
(7.4, 12.6)
-2.7
(-6.0, 0.7)
CA
7.8
8.0
6.2
(5.4, 7.1)
-1.8*
(-3.0, -0.5)
CO
5.4
6.4
4.4
(1.7, 10.6)
-2.0
(-6.0, 1.9)
CT
5.3
5.6
6.2
(4.2, 9.1)
0.6
(-2.3, 3.5)
DE
6.7
6.1
4.8
(3.0, 7.5)
-1.3
(-4.0, 1.5)
DC
10.9
11.8
10.8
(9.0, 12.9)
-0.9
(-4.2, 2.3)
FL
7.3
6.2
5.9
(4.8, 7.3)
-0.3
(-2.0, 1.4)
GA
11.5
10.9
11.9
(10.0, 14.1)
1.0
(-1.6, 3.6)
HI
3.8
3.8
2.4
(1.4, 4.1)
-1.4
(-3.6, 0.8)
ID
5.7
5.4
3.6
(2.4, 5.2)
-1.8
(-4.5, 0.9)
IL
7.6
7.4
7.1
(5.8, 8.7)
-0.3
(-2.2, 1.6)
IN
7.8
7.2
4.8
(3.0, 7.4)
-2.5
(-5.3, 0.3)
IA
4.4
4.5
4.2
(2.2, 8.0)
-0.3
(-3.1, 2.5)
KS
7.1
6.0
7.6
(5.6, 10.1)
1.6
(-1.0, 4.1)
KY
9.9
9.7
9.0
(6.7, 12.0)
-0.8
(-4.0, 2.5)
LA
11.5
13.9
14.0
(11.3, 17.3)
0.2
(-3.6, 3.9)
Geography
All
State
ME
3.7
2.4
2.3
(1.4, 3.7)
-0.1
(-1.5, 1.4)
MD
5.6
4.8
4.8
(3.1, 7.2)
0.0
(-2.4, 2.4)
MA
4.9
5.8
5.7
(4.3, 7.7)
-0.1
(-2.6, 2.5)
MI
7.7
5.7
6.0
(4.7, 7.6)
0.3
(-1.7, 2.2)
MN
4.1
3.6
3.4
(2.3, 5.0)
-0.2
(-2.0, 1.6)
MS
15.1
14.5
12.6
(10.6, 14.8)
-2.0
(-5.6, 1.7)
MO
9.5
8.9
8.5
(6.7, 10.7)
-0.4
(-3.0, 2.1)
MT
4.8
6.6
4.0
(2.6, 5.9)
-2.7
(-6.3, 1.0)
NE
3.7
5.7
5.1
(2.9, 8.7)
-0.6
(-4.0, 2.7)
NV
7.5
7.9
8.9
(6.7, 11.8)
1.0
(-2.0, 4.1)
NH
1.9
2.9
1.8
(1.1, 2.9)
-1.0
(-2.5, 0.4)
NJ
6.6
8.2
7.4
(5.5, 9.8)
-0.8
(-3.6, 2.0)
NM
11.5
10.9
9.4
(7.3, 12.1)
-1.5
(-5.9, 3.0)
NY
9.6
8.5
8.0
(6.9, 9.3)
-0.5
(-2.3, 1.3)
NC
9.3
8.4
7.7
(5.9, 9.9)
-0.8
(-3.1, 1.6)
ND
5.3
2.8
3.0
(1.9, 4.8)
0.2
(-1.7, 2.2)
OH
8.8
7.2
5.8
(4.4, 7.6)
-1.3
(-3.5, 0.8)
13 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.8 Unbanked Rates by State, 2011-2015
For all households
2011
(Percent)
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
OK
10.9
10.9
11.0
(9.1, 13.2)
0.1
(-3.9, 4.0)
OR
4.3
4.5
5.1
(3.6, 7.1)
0.6
(-1.5, 2.6)
PA
6.1
5.2
4.7
(3.4, 6.6)
-0.5
(-2.5, 1.5)
RI
7.0
6.2
5.0
(3.2, 7.7)
-1.3
(-4.1, 1.6)
SC
9.3
10.5
8.9
(7.2, 11.1)
-1.5
(-4.4, 1.3)
SD
4.4
4.2
4.2
(1.1, 15.0)
0.0
(-5.3, 5.3)
TN
10.9
9.7
10.8
(8.8, 13.2)
1.0
(-2.1, 4.2)
TX
12.8
10.4
9.4
(8.2, 10.6)
-1.1
(-2.9, 0.7)
UT
2.8
3.3
3.9
(2.6, 5.8)
0.6
(-1.6, 2.8)
VT
3.4
3.1
1.5
(0.8, 2.9)
-1.5
(-3.3, 0.2)
VA
6.6
6.5
4.6
(3.3, 6.4)
-1.9
(-4.1, 0.3)
WA
4.5
4.1
4.1
(3.1, 5.5)
0.0
(-1.7, 1.7)
WV
9.5
11.0
8.0
(6.2, 10.2)
-3.0
(-6.6, 0.5)
WI
4.5
4.8
3.4
(2.4, 5.0)
-1.3
(-3.3, 0.6)
WY
5.8
5.6
2.4
(1.5, 4.0)
-3.2*
(-5.3, -1.1)
Geography
* indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an
estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
14 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.9 Underbanked Rates by State, 2013-2015
For all households
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
20.0
19.9
(19.5, 20.4)
-0.1
(-0.6, 0.5)
AL
26.4
23.9
(20.5, 27.6)
-2.6
(-7.8, 2.7)
AK
19.3
26.1
(21.2, 31.8)
6.9*
(0.8, 13.0)
AZ
17.6
18.5
(16.0, 21.4)
1.0
(-3.6, 5.5)
AR
25.7
22.6
(19.8, 25.8)
-3.0
(-6.6, 0.5)
CA
17.0
19.1
(17.8, 20.4)
2.0*
(0.2, 3.9)
CO
17.3
19.1
(16.0, 22.6)
1.7
(-2.2, 5.7)
CT
14.4
14.8
(11.7, 18.6)
0.4
(-3.7, 4.5)
DE
18.5
15.4
(12.4, 19.0)
-3.1
(-7.2, 1.0)
DC
24.8
25.4
(22.6, 28.4)
0.6
(-3.7, 4.8)
FL
19.1
17.7
(15.9, 19.6)
-1.4
(-3.9, 1.1)
GA
26.9
24.6
(21.4, 28.0)
-2.4
(-6.6, 1.8)
HI
19.7
17.4
(14.4, 20.8)
-2.3
(-6.5, 1.8)
ID
19.0
23.1
(19.9, 26.8)
4.1
(-0.4, 8.7)
IL
14.6
14.3
(12.5, 16.3)
-0.3
(-2.7, 2.1)
IN
17.6
18.2
(15.1, 21.7)
0.6
(-3.8, 5.0)
IA
14.4
18.2
(15.8, 21.0)
3.8
(-0.1, 7.8)
KS
22.9
18.3
(15.7, 21.3)
-4.5*
(-8.6, -0.5)
KY
23.5
18.2
(14.8, 22.2)
-5.3
(-11.0, 0.3)
LA
24.5
23.8
(20.9, 26.8)
-0.7
(-5.0, 3.5)
ME
19.2
17.1
(14.3, 20.3)
-2.1
(-6.2, 1.9)
MD
23.9
22.4
(19.5, 25.7)
-1.5
(-5.4, 2.5)
MA
17.2
16.0
(13.4, 19.0)
-1.2
(-5.0, 2.6)
MI
18.1
19.8
(16.6, 23.4)
1.7
(-2.4, 5.7)
MN
12.3
14.3
(11.3, 18.0)
2.0
(-1.8, 5.8)
MS
32.8
25.5
(21.7, 29.8)
-7.3*
(-12.5, -2.0)
MO
20.4
22.3
(19.3, 25.5)
1.8
(-2.7, 6.4)
MT
17.0
13.3
(11.5, 15.5)
-3.6
(-8.3, 1.1)
NE
20.1
21.1
(17.7, 25.1)
1.0
(-4.2, 6.2)
NV
24.7
27.3
(23.7, 31.2)
2.6
(-2.4, 7.5)
NH
13.9
18.2
(15.5, 21.2)
4.3*
(0.5, 8.1)
NJ
19.6
15.6
(13.3, 18.3)
-4.0*
(-7.7, -0.3)
NM
22.5
26.9
(23.0, 31.1)
4.4
(-1.2, 10.0)
NY
19.6
23.8
(22.0, 25.6)
4.2*
(1.8, 6.7)
NC
21.5
20.6
(18.2, 23.1)
-0.9
(-4.9, 3.1)
ND
20.0
20.8
(16.1, 26.3)
0.8
(-5.0, 6.5)
OH
20.0
17.5
(15.6, 19.7)
-2.4
(-5.2, 0.4)
Geography
All
State
15 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.9 Underbanked Rates by State, 2013-2015
For all households
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
OK
22.2
26.4
(23.3, 29.8)
4.3
(-0.3, 8.8)
OR
17.1
20.5
(17.5, 23.9)
3.4
(-0.6, 7.3)
PA
22.2
18.8
(16.6, 21.3)
-3.4*
(-6.4, -0.4)
RI
14.0
16.1
(12.8, 19.9)
2.0
(-2.5, 6.5)
SC
25.6
23.4
(20.6, 26.5)
-2.2
(-6.4, 1.9)
SD
19.9
19.8
(16.3, 23.8)
-0.1
(-4.8, 4.5)
TN
18.7
19.2
(16.7, 21.9)
0.5
(-2.9, 3.9)
TX
27.4
23.7
(22.1, 25.4)
-3.7*
(-6.2, -1.3)
UT
13.0
20.9
(18.0, 24.2)
7.9*
(3.8, 11.9)
VT
16.2
12.8
(10.7, 15.3)
-3.3*
(-6.6, -0.1)
VA
19.5
19.7
(16.9, 22.7)
0.2
(-3.7, 4.0)
WA
17.2
20.7
(18.0, 23.7)
3.5
(-0.5, 7.5)
WV
19.0
17.5
(14.8, 20.4)
-1.6
(-5.6, 2.4)
WI
10.4
15.6
(12.0, 19.9)
5.1*
(0.6, 9.6)
WY
21.8
20.5
(17.5, 23.8)
-1.3
(-7.2, 4.5)
Geography
* indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an
estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
16 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.10 Fully Banked Rates by State, 2013-2015
For all households
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
67.0
68.0
(67.5, 68.5)
1.0*
(0.3, 1.7)
AL
59.1
60.5
(56.4, 64.4)
1.3
(-4.7, 7.3)
AK
70.6
65.5
(60.6, 70.1)
-5.0
(-10.6, 0.5)
AZ
65.1
68.3
(64.4, 71.9)
3.2
(-2.9, 9.2)
AR
58.9
63.1
(58.8, 67.2)
4.2*
(0.1, 8.3)
CA
69.1
68.2
(66.5, 69.9)
-0.9
(-3.1, 1.3)
CO
72.5
73.8
(68.2, 78.8)
1.3
(-4.6, 7.2)
CT
75.2
73.3
(69.3, 76.9)
-1.9
(-6.7, 2.8)
DE
68.1
72.1
(68.5, 75.4)
4.0
(-0.2, 8.3)
DC
58.0
60.5
(57.0, 63.8)
2.5
(-2.2, 7.2)
FL
65.1
68.9
(66.7, 71.0)
3.7*
(0.7, 6.8)
GA
57.5
60.8
(56.8, 64.6)
3.2
(-1.3, 7.8)
HI
70.4
74.2
(70.5, 77.7)
3.8
(-1.3, 8.9)
ID
72.4
71.6
(67.0, 75.8)
-0.8
(-6.1, 4.6)
IL
72.3
74.0
(71.4, 76.4)
1.7
(-1.4, 4.7)
IN
72.1
74.2
(70.6, 77.5)
2.1
(-2.6, 6.8)
IA
75.0
70.7
(64.6, 76.1)
-4.3
(-11.2, 2.6)
KS
68.6
71.0
(67.7, 74.1)
2.4
(-2.0, 6.9)
KY
64.2
69.1
(63.7, 74.1)
4.9
(-2.2, 12.0)
LA
58.3
58.9
(56.2, 61.7)
0.6
(-4.4, 5.6)
ME
74.5
76.5
(72.7, 79.9)
2.1
(-2.5, 6.6)
MD
68.0
68.7
(64.7, 72.4)
0.7
(-4.0, 5.4)
MA
72.3
71.8
(68.4, 74.9)
-0.6
(-5.3, 4.2)
MI
69.0
70.2
(66.6, 73.6)
1.2
(-3.3, 5.7)
MN
81.9
79.5
(75.4, 83.1)
-2.4
(-6.7, 2.0)
MS
49.5
59.0
(55.8, 62.1)
9.5*
(5.4, 13.6)
MO
66.5
65.0
(61.5, 68.4)
-1.5
(-6.4, 3.5)
MT
70.0
76.7
(72.9, 80.1)
6.7*
(0.9, 12.5)
NE
70.6
68.1
(64.5, 71.5)
-2.5
(-7.4, 2.5)
NV
62.1
59.5
(54.9, 63.9)
-2.6
(-8.6, 3.5)
NH
78.1
76.9
(73.6, 79.9)
-1.2
(-5.5, 3.1)
NJ
67.9
71.3
(68.2, 74.2)
3.3
(-0.3, 7.0)
NM
62.1
59.6
(55.0, 64.0)
-2.5
(-8.8, 3.9)
NY
65.2
59.4
(57.2, 61.6)
-5.7*
(-8.6, -2.9)
NC
63.7
66.2
(63.8, 68.5)
2.5
(-1.7, 6.8)
ND
72.8
71.8
(67.6, 75.7)
-1.0
(-6.5, 4.5)
OH
65.0
71.3
(68.3, 74.0)
6.2*
(2.5, 9.9)
Geography
All
State
17 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.10 Fully Banked Rates by State, 2013-2015
For all households
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
OK
63.2
60.6
(56.0, 65.1)
-2.5
(-8.9, 3.8)
OR
71.9
67.8
(64.2, 71.2)
-4.1
(-8.8, 0.6)
PA
67.3
72.1
(69.1, 74.9)
4.8*
(1.1, 8.4)
RI
72.6
74.5
(70.4, 78.2)
1.9
(-3.0, 6.9)
SC
61.8
65.1
(62.1, 68.1)
3.3
(-0.7, 7.3)
SD
72.1
73.0
(64.5, 80.1)
0.9
(-7.5, 9.2)
TN
67.8
66.1
(62.3, 69.6)
-1.8
(-6.4, 2.9)
TX
58.9
62.5
(60.4, 64.5)
3.5*
(0.5, 6.5)
UT
81.5
73.0
(69.3, 76.3)
-8.5*
(-13.6, -3.5)
VT
76.8
81.3
(78.4, 83.9)
4.5*
(0.6, 8.5)
VA
66.4
70.8
(66.9, 74.5)
4.4
(-0.1, 8.9)
WA
73.4
71.9
(68.8, 74.8)
-1.6
(-6.2, 3.0)
WV
65.0
68.7
(66.1, 71.2)
3.7
(-0.9, 8.3)
WI
80.7
77.2
(73.0, 80.8)
-3.6
(-8.5, 1.4)
WY
68.0
73.5
(69.1, 77.5)
5.5
(-0.8, 11.8)
Geography
* indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an
estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
18 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.11 B
anking Status by MSA, 2015
For all households, row percent
Number of
Households
(1000s)
Percent of
Households
Unbanked
(Percent)
Banked:
Underbanked
(Percent)
Banked:
Fully banked
(Percent)
Banked:
Underbanked
status unknown
(Percent)
127,538
100.0
7.0
19.9
68.0
5.0
372
100.0
8.6
21.6
67.1
2.7
2,246
100.0
10.1
26.0
61.0
2.9
Austin-Round Rock, TX
686
100.0
8.6
13.3
71.5
6.5
Baltimore-Columbia-Towson, MD
974
100.0
5.9
21.1
66.9
6.1
Baton Rouge, LA
314
100.0
14.3
23.5
55.9
6.3
Billings, MT~
58
100.0
8.6
11.2
79.5
0.8
Birmingham-Hoover, AL
514
100.0
12.3
17.6
63.3
6.7
Boise City, ID
Geography
All
MSA
Albuquerque, NM
Atlanta-Sandy
Springs-Roswell, GA~
222
100.0
2.6
16.7
79.5
1.3
Boston-Cambridge-Newton, MA-NH~
1,968
100.0
4.3
18.0
72.2
5.5
Bridgeport-Stamford-Norwalk, CT~
365
100.0
2.8
15.2
76.5
5.5
Burlington-South Burlington, VT~
92
100.0
1.7
11.2
83.3
3.8
Charlotte-Concord-Gastonia, NC-SC~
1,100
100.0
7.3
25.1
66.2
1.3
Chicago-Naperville-Elgin,
IL-IN-WI
3,707
100.0
8.1
14.3
71.7
6.0
Cincinnati, OH-KY-IN~
829
100.0
7.8
12.2
76.1
3.9
Cleveland-Elyria, OH
924
100.0
11.0
8.5
76.0
4.4
Columbia, SC
419
100.0
10.4
21.1
63.9
4.5
Columbus, OH~
811
100.0
1.4
26.3
67.6
4.7
Dallas-Fort Worth-Arlington, TX~
2,854
100.0
5.5
31.5
60.6
2.3
Denver-Aurora-Lakewood,
CO
1,206
100.0
5.2
16.2
75.9
2.7
Detroit-Warren-Dearborn,
MI
1,790
100.0
8.0
18.5
70.0
3.4
Fargo, ND-MN
81
100.0
1.8
21.3
75.7
1.2
Grand Rapids-Wyoming,
MI~
482
100.0
1.1
17.1
75.8
5.9
Greenville-Anderson-Mauldin, SC~
353
100.0
6.1
27.6
65.3
0.9
Hartford-West Hartford-East Hartford, CT~
483
100.0
9.3
16.3
71.9
2.5
Houston-The Woodlands-Sugar Land, TX~
2,593
100.0
10.4
21.2
60.2
8.2
Indianapolis-Carmel-Anderson, IN~
857
100.0
8.5
21.3
66.4
3.9
Jackson, MS~
241
100.0
12.5
25.4
58.3
3.7
Kansas City, MO-KS~
822
100.0
5.0
22.1
69.1
3.9
Las Vegas-Henderson-Paradise, NV
910
100.0
10.1
29.1
55.1
5.7
19 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.11 B
anking Status by MSA, 2015
For all households, row percent
Geography
Little Rock-North Little
Rock-Conway, AR
Los Angeles-Long
Beach-Anaheim, CA
Louisville/Jefferson County, KY-IN~
Number of
Households
(1000s)
Percent of
Households
Unbanked
(Percent)
Banked:
Underbanked
(Percent)
Banked:
Fully banked
(Percent)
Banked:
Underbanked
status unknown
(Percent)
325
100.0
11.2
25.5
62.7
0.5
4,843
100.0
8.6
19.7
61.7
10.1
485
100.0
10.1
17.7
71.6
0.6
Manchester-Nashua, NH~
126
100.0
4.3
21.4
73.5
0.7
Memphis, TN-MS-AR~
521
100.0
17.2
21.0
54.5
7.2
2,582
100.0
7.4
18.0
65.9
8.7
671
100.0
7.1
14.2
75.4
3.3
1,398
100.0
4.5
13.7
77.6
4.1
Nashville-Davidson--Murfreesboro--Franklin, TN~
868
100.0
9.9
16.5
71.2
2.4
New Haven-Milford, CT~
371
100.0
9.2
10.3
68.5
12.0
New Orleans-Metairie, LA~
548
100.0
17.4
16.5
64.8
1.3
8,088
100.0
8.9
21.0
60.8
9.3
Oklahoma City, OK
563
100.0
13.3
26.7
58.6
1.4
Omaha-Council Bluffs,
NE-IA
340
100.0
2.9
27.2
63.9
6.0
Orlando-Kissimmee-Sanford, FL
1,030
100.0
4.3
22.8
61.6
11.3
Philadelphia-Camden-Wilmington, PA-NJDE-MD
2,415
100.0
4.1
19.0
73.0
3.9
Phoenix-Mesa-Scottsdale,
AZ
1,771
100.0
10.6
17.3
65.8
6.3
Pittsburgh, PA
1,100
100.0
7.3
22.7
67.4
2.6
Portland-South Portland,
ME~
209
100.0
1.8
17.8
71.7
8.7
Portland-Vancouver-Hillsboro, OR-WA
975
100.0
5.0
18.6
67.4
8.9
Providence-Warwick,
RI-MA~
637
100.0
5.7
15.8
68.1
10.4
Richmond, VA~
527
100.0
7.2
10.8
77.2
4.9
Riverside-San Bernardino-Ontario, CA
1,482
100.0
8.2
19.8
68.5
3.5
Sacramento--Roseville--Arden-Arcade, CA
953
100.0
3.5
16.7
76.3
3.5
St. Louis, MO-IL~
1,287
100.0
8.0
16.2
71.5
4.2
Salisbury, MD-DE~
146
100.0
10.7
9.8
75.2
4.3
Salt Lake City, UT~
451
100.0
2.0
21.9
73.6
2.5
San Antonio-New
Braunfels, TX
939
100.0
11.3
31.3
54.3
3.1
San Diego-Carlsbad, CA
1,345
100.0
3.1
20.6
68.1
8.1
San Francisco-Oakland-Hayward, CA
1,903
100.0
2.1
16.5
75.7
5.7
Miami-Fort Lauderdale-West Palm Beach, FL
Milwaukee-Waukesha-West Allis, WI
Minneapolis-St.
Paul-Bloomington, MNWI~
New York-Newark-Jersey
City, NY-NJ-PA~
20 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.11 B
anking Status by MSA, 2015
For all households, row percent
Number of
Households
(1000s)
Percent of
Households
Unbanked
(Percent)
Banked:
Underbanked
(Percent)
Banked:
Fully banked
(Percent)
Banked:
Underbanked
status unknown
(Percent)
1,456
100.0
2.6
18.5
75.8
3.1
124
100.0
1.9
19.0
74.8
4.2
1,387
100.0
4.6
16.6
73.4
5.5
Tucson, AZ
421
100.0
5.9
21.5
69.8
2.9
Tulsa, OK
395
100.0
11.3
28.4
58.9
1.5
Urban Honolulu, HI
366
100.0
1.6
18.8
74.2
5.4
Virginia Beach-Norfolk-Newport News,
VA-NC~
663
100.0
2.9
29.3
63.4
4.4
2,370
100.0
3.9
21.5
69.7
4.9
256
100.0
12.5
21.4
66.2
-
Geography
Seattle-Tacoma-Bellevue,
WA
Sioux Falls, SD
Tampa-St. Petersburg-Clearwater, FL
Washington-Arlington-Alexandria, DC-VA-MD-WV~
Wichita, KS~
~ indicates areas with geographic boundary changes between the 2013 and 2015 surveys. See Appendix 1 (FDIC Technical Notes) for details. NA indicates that
the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates
do not always reconcile to totals because of rounding.
21 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.12 Unbanked Rates by MSA, 2011-2015
For all households
2011
(Percent)
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
8.2
7.7
7.0
(6.8, 7.3)
-0.7*
(-1.1, -0.3)
Albuquerque, NM
7.2
11.1
8.6
(5.9, 12.4)
-2.5
(-8.6, 3.5)
Atlanta-Sandy
Springs-Roswell, GA~
9.7
9.1
10.1
(7.6, 13.2)
1.0
(-2.7, 4.7)
Austin-Round Rock, TX
10.2
1.3
8.6
(4.7, 15.3)
7.3*
(2.2, 12.4)
Baltimore-Columbia-Towson, MD
7.5
5.3
5.9
(3.5, 9.9)
0.6
(-3.1, 4.4)
Baton Rouge, LA
NA
NA
14.3
(10.4, 19.5)
NA
NA
Billings, MT~
NA
NA
8.6
(3.6, 18.9)
NA
NA
Birmingham-Hoover, AL
12.1
5.7
12.3
(8.2, 18.1)
6.6*
(0.6, 12.7)
Geography
All
MSA
Boise City, ID
2.9
6.9
2.6
(0.9, 6.9)
-4.4*
(-8.3, -0.4)
Boston-Cambridge-Newton, MA-NH~
4.2
6.6
4.3
(2.7, 6.8)
-2.3
(-5.3, 0.8)
Bridgeport-Stamford-Norwalk, CT~
1.6
4.0
2.8
(0.8, 9.4)
-1.2
(-4.8, 2.4)
Burlington-South Burlington, VT~
1.7
0.6
1.7
(0.5, 5.0)
1.1
(-0.8, 2.9)
Charlotte-Concord-Gastonia, NC-SC~
8.9
7.7
7.3
(4.4, 12.0)
-0.4
(-5.8, 5.0)
Chicago-Naperville-Elgin,
IL-IN-WI
8.6
7.6
8.1
(6.6, 10.0)
0.5
(-1.9, 3.0)
Cincinnati, OH-KY-IN~
10.3
9.0
7.8
(4.3, 13.6)
-1.3
(-7.5, 5.0)
Cleveland-Elyria, OH
8.5
6.2
11.0
(7.5, 15.9)
4.8
(-0.4, 9.9)
Columbia, SC
7.4
12.5
10.4
(5.2, 19.6)
-2.1
(-10.9, 6.6)
Columbus, OH~
8.1
7.8
1.4
(0.3, 5.3)
-6.4*
(-10.9, -1.9)
Dallas-Fort Worth-Arlington, TX~
9.8
8.4
5.5
(3.9, 7.7)
-2.9*
(-5.7, -0.2)
Denver-Aurora-Lakewood,
CO
5.2
7.5
5.2
(1.5, 16.4)
-2.3
(-8.4, 3.7)
Detroit-Warren-Dearborn,
MI
10.7
8.2
8.0
(5.9, 10.8)
-0.1
(-3.4, 3.2)
Fargo, ND-MN
5.2
6.6
1.8
(0.6, 5.2)
-4.8*
(-9.3, -0.3)
Grand Rapids-Wyoming,
MI~
NA
3.5
1.1
(0.1, 7.7)
-2.4
(-5.5, 0.7)
Greenville-Anderson-Mauldin, SC~
NA
NA
6.1
(2.1, 16.4)
NA
NA
Hartford-West Hartford-East Hartford, CT~
5.3
6.4
9.3
(5.5, 15.5)
2.9
(-2.5, 8.3)
Houston-The Woodlands-Sugar Land, TX~
11.9
11.5
10.4
(8.0, 13.4)
-1.1
(-5.0, 2.7)
Indianapolis-Carmel-Anderson, IN~
8.5
11.0
8.5
(4.3, 16.0)
-2.5
(-9.1, 4.1)
Jackson, MS~
NA
NA
12.5
(8.1, 18.9)
NA
NA
Kansas City, MO-KS~
10.0
12.1
5.0
(2.8, 8.6)
-7.1*
(-11.1, -3.2)
Las Vegas-Henderson-Paradise, NV
6.2
6.9
10.1
(7.4, 13.5)
3.2
(-0.4, 6.8)
22 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.12 Unbanked Rates by MSA, 2011-2015
For all households
2011
(Percent)
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
Little Rock-North Little
Rock-Conway, AR
7.8
10.4
11.2
(6.8, 18.0)
0.8
(-7.8, 9.4)
Los Angeles-Long
Beach-Anaheim, CA
9.7
9.6
8.6
(7.0, 10.4)
-1.1
(-3.4, 1.2)
Louisville/Jefferson County, KY-IN~
8.4
5.2
10.1
(6.2, 16.0)
4.9
(-0.6, 10.4)
Geography
Manchester-Nashua, NH~
NA
NA
4.3
(2.3, 8.1)
NA
NA
Memphis, TN-MS-AR~
11.1
19.5
17.2
(11.4, 25.3)
-2.3
(-11.3, 6.8)
Miami-Fort Lauderdale-West Palm Beach, FL
9.0
7.3
7.4
(5.2, 10.4)
0.1
(-3.2, 3.5)
Milwaukee-Waukesha-West Allis, WI
10.8
7.1
7.1
(4.0, 12.2)
0.0
(-4.8, 4.8)
Minneapolis-St.
Paul-Bloomington, MNWI~
5.2
3.8
4.5
(2.8, 7.3)
0.8
(-1.9, 3.4)
Nashville-Davidson--Murfreesboro--Franklin, TN~
9.5
9.4
9.9
(5.9, 16.1)
0.5
(-7.5, 8.5)
New Haven-Milford, CT~
4.8
7.7
9.2
(5.3, 15.5)
1.5
(-5.8, 8.8)
New Orleans-Metairie, LA~
12.4
13.2
17.4
(11.9, 24.8)
4.2
(-3.4, 11.8)
New York-Newark-Jersey
City, NY-NJ-PA~
9.7
9.6
8.9
(7.5, 10.5)
-0.7
(-2.7, 1.2)
Oklahoma City, OK
9.3
8.5
13.3
(9.1, 18.9)
4.8
(-1.7, 11.3)
Omaha-Council Bluffs,
NE-IA
4.2
6.5
2.9
(1.3, 6.5)
-3.6
(-7.8, 0.6)
Orlando-Kissimmee-Sanford, FL
7.4
9.9
4.3
(2.0, 8.9)
-5.6*
(-10.5, -0.8)
Philadelphia-Camden-Wilmington, PA-NJDE-MD
7.8
7.0
4.1
(2.6, 6.6)
-2.8*
(-5.4, -0.3)
Phoenix-Mesa-Scottsdale,
AZ
10.6
16.3
10.6
(7.6, 14.6)
-5.6*
(-11.2, -0.1)
Pittsburgh, PA
3.4
4.9
7.3
(3.4, 14.9)
2.4
(-3.1, 7.8)
Portland-South Portland,
ME~
4.0
1.7
1.8
(0.6, 5.1)
0.1
(-2.2, 2.4)
Portland-Vancouver-Hillsboro, OR-WA
3.1
3.7
5.0
(3.0, 8.2)
1.3
(-2.2, 4.8)
Providence-Warwick,
RI-MA~
7.6
5.8
5.7
(3.4, 9.2)
-0.1
(-3.5, 3.3)
Richmond, VA~
6.0
4.0
7.2
(3.3, 15.1)
3.2
(-3.7, 10.1)
Riverside-San Bernardino-Ontario, CA
12.7
9.1
8.2
(5.5, 12.1)
-0.9
(-5.2, 3.4)
Sacramento--Roseville--Arden-Arcade, CA
5.4
5.8
3.5
(1.7, 7.0)
-2.4
(-6.7, 2.0)
St. Louis, MO-IL~
9.7
4.2
8.0
(5.0, 12.5)
3.8
(0.0, 7.6)
Salisbury, MD-DE~
NA
NA
10.7
(4.6, 23.0)
NA
NA
Salt Lake City, UT~
4.4
2.7
2.0
(0.8, 4.9)
-0.7
(-3.2, 1.9)
San Antonio-New
Braunfels, TX
15.5
8.1
11.3
(7.3, 16.9)
3.2
(-2.2, 8.6)
San Diego-Carlsbad, CA
4.5
3.4
3.1
(1.4, 6.9)
-0.2
(-3.1, 2.6)
San Francisco-Oakland-Hayward, CA
5.9
5.7
2.1
(1.1, 4.2)
-3.6*
(-6.1, -1.1)
23 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.12 Unbanked Rates by MSA, 2011-2015
For all households
2011
(Percent)
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
Seattle-Tacoma-Bellevue,
WA
4.0
3.5
2.6
(1.4, 4.6)
-0.9
(-3.2, 1.4)
Sioux Falls, SD
5.2
4.8
1.9
(0.4, 9.5)
-2.9
(-6.3, 0.5)
Tampa-St. Petersburg-Clearwater, FL
6.0
4.9
4.6
(2.7, 7.7)
-0.4
(-3.7, 2.9)
Tucson, AZ
NA
NA
5.9
(2.7, 12.4)
NA
NA
Tulsa, OK
11.7
11.0
11.3
(7.5, 16.6)
0.2
(-6.4, 6.9)
Geography
Urban Honolulu, HI
2.8
4.7
1.6
(0.9, 3.0)
-3.1*
(-5.7, -0.5)
Virginia Beach-Norfolk-Newport News,
VA-NC~
5.8
7.8
2.9
(1.3, 6.5)
-4.9*
(-9.4, -0.5)
Washington-Arlington-Alexandria, DC-VA-MD-WV~
4.6
4.3
3.9
(2.7, 5.6)
-0.4
(-2.2, 1.4)
Wichita, KS~
14.8
10.0
12.5
(8.1, 18.7)
2.5
(-4.3, 9.3)
~ indicates areas with geographic boundary changes between the 2013 and 2015 surveys. See Appendix 1 (FDIC Technical Notes) for details. * indicates differences
that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The
population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
24 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.13 Underbanked Rates by MSA, 2013-2015
For all households
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
20.0
19.9
(19.5, 20.4)
-0.1
(-0.6, 0.5)
Albuquerque, NM
24.4
21.6
(17.4, 26.5)
-2.8
(-10.4, 4.8)
Atlanta-Sandy
Springs-Roswell, GA~
27.9
26.0
(22.2, 30.1)
-1.9
(-7.1, 3.3)
Austin-Round Rock, TX
16.6
13.3
(8.2, 21.0)
-3.3
(-11.8, 5.3)
Baltimore-Columbia-Towson, MD
25.4
21.1
(17.0, 26.0)
-4.3
(-9.8, 1.2)
Baton Rouge, LA
NA
23.5
(17.7, 30.5)
NA
NA
Billings, MT~
NA
11.2
(7.3, 16.7)
NA
NA
Birmingham-Hoover, AL
25.1
17.6
(13.5, 22.8)
-7.5
(-16.9, 1.9)
Boise City, ID
16.3
16.7
(12.0, 22.7)
0.4
(-7.0, 7.8)
Boston-Cambridge-Newton,
MA-NH~
15.3
18.0
(14.6, 22.0)
2.7
(-1.9, 7.3)
Bridgeport-Stamford-Norwalk, CT~
10.4
15.2
(9.8, 22.8)
4.8
(-2.6, 12.2)
Burlington-South Burlington, VT~
17.3
11.2
(8.0, 15.6)
-6.0*
(-11.5, -0.6)
Charlotte-Concord-Gastonia, NC-SC~
28.3
25.1
(20.1, 30.9)
-3.2
(-10.9, 4.5)
Chicago-Naperville-Elgin, IL-IN-WI
13.5
14.3
(12.2, 16.7)
0.8
(-2.4, 4.0)
Cincinnati, OH-KY-IN~
21.5
12.2
(8.5, 17.2)
-9.3*
(-15.2, -3.4)
Cleveland-Elyria, OH
17.2
8.5
(5.9, 12.1)
-8.7*
(-14.1, -3.3)
Columbia, SC
27.2
21.1
(15.6, 28.0)
-6.0
(-15.8, 3.7)
Columbus, OH~
25.6
26.3
(21.3, 32.1)
0.7
(-6.5, 7.9)
Dallas-Fort Worth-Arlington, TX~
27.3
31.5
(28.1, 35.1)
4.3
(-0.5, 9.0)
Denver-Aurora-Lakewood, CO
16.2
16.2
(12.3, 21.0)
0.0
(-5.4, 5.3)
Detroit-Warren-Dearborn, MI
18.4
18.5
(15.3, 22.2)
0.1
(-4.7, 4.9)
Fargo, ND-MN
21.9
21.3
(15.6, 28.3)
-0.7
(-8.4, 7.1)
Grand Rapids-Wyoming, MI~
13.9
17.1
(11.5, 24.7)
3.3
(-5.8, 12.3)
Greenville-Anderson-Mauldin, SC~
NA
27.6
(20.5, 36.0)
NA
NA
Hartford-West Hartford-East Hartford, CT~
16.6
16.3
(11.2, 23.1)
-0.3
(-7.4, 6.8)
Houston-The Woodlands-Sugar Land, TX~
29.1
21.2
(18.1, 24.6)
-7.9*
(-13.1, -2.7)
Indianapolis-Carmel-Anderson, IN~
18.0
21.3
(15.3, 28.9)
3.2
(-5.0, 11.5)
Jackson, MS~
NA
25.4
(19.6, 32.3)
NA
NA
Kansas City, MO-KS~
19.4
22.1
(17.8, 27.1)
2.7
(-4.5, 9.9)
Las Vegas-Henderson-Paradise, NV
25.0
29.1
(25.1, 33.4)
4.1
(-1.7, 9.9)
Little Rock-North Little
Rock-Conway, AR
24.4
25.5
(20.5, 31.4)
1.1
(-7.5, 9.7)
Geography
All
MSA
25 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.13 Underbanked Rates by MSA, 2013-2015
For all households
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
Los Angeles-Long
Beach-Anaheim, CA
17.5
19.7
(17.3, 22.4)
2.2
(-0.9, 5.2)
Louisville/Jefferson
County, KY-IN~
25.8
17.7
(12.5, 24.5)
-8.1
(-17.4, 1.2)
Manchester-Nashua,
NH~
NA
21.4
(16.0, 28.1)
NA
NA
Memphis, TN-MS-AR~
24.2
21.0
(15.5, 27.9)
-3.2
(-12.3, 5.9)
Miami-Fort Lauderdale-West Palm Beach,
FL
13.9
18.0
(14.7, 21.7)
4.1
(-0.7, 8.9)
Milwaukee-Waukesha-West Allis, WI
10.8
14.2
(10.6, 18.9)
3.4
(-2.1, 8.9)
Minneapolis-St.
Paul-Bloomington,
MN-WI~
12.6
13.7
(10.3, 18.1)
1.1
(-3.2, 5.5)
Nashville-Davidson--Murfreesboro--Franklin, TN~
18.4
16.5
(12.2, 22.1)
-1.8
(-8.9, 5.3)
New Haven-Milford,
CT~
11.2
10.3
(5.8, 17.7)
-0.9
(-8.1, 6.3)
New Orleans-Metairie,
LA~
16.7
16.5
(12.5, 21.4)
-0.2
(-8.6, 8.3)
New York-Newark-Jersey City, NY-NJ-PA~
19.5
21.0
(19.4, 22.7)
1.6
(-0.8, 3.9)
Oklahoma City, OK
24.0
26.7
(20.9, 33.5)
2.7
(-5.2, 10.7)
Omaha-Council Bluffs,
NE-IA
23.3
27.2
(21.7, 33.5)
3.9
(-4.0, 11.9)
Orlando-Kissimmee-Sanford, FL
25.2
22.8
(17.1, 29.6)
-2.5
(-11.8, 6.9)
Philadelphia-Camden-Wilmington, PANJ-DE-MD
21.7
19.0
(15.8, 22.6)
-2.7
(-7.4, 2.0)
Phoenix-Mesa-Scottsdale, AZ
14.8
17.3
(13.9, 21.3)
2.5
(-2.7, 7.7)
Pittsburgh, PA
22.9
22.7
(17.9, 28.5)
-0.2
(-7.5, 7.1)
Portland-South Portland, ME~
12.8
17.8
(12.7, 24.3)
5.0
(-2.5, 12.6)
Portland-Vancouver-Hillsboro, OR-WA
16.8
18.6
(15.2, 22.6)
1.9
(-3.3, 7.0)
Providence-Warwick,
RI-MA~
15.7
15.8
(12.1, 20.4)
0.1
(-5.2, 5.4)
Richmond, VA~
20.3
10.8
(6.1, 18.4)
-9.5*
(-18.0, -1.1)
Riverside-San Bernardino-Ontario, CA
18.4
19.8
(15.7, 24.6)
1.3
(-5.3, 8.0)
Sacramento--Roseville--Arden-Arcade, CA
21.8
16.7
(12.3, 22.4)
-5.1
(-12.3, 2.1)
St. Louis, MO-IL~
19.2
16.2
(12.9, 20.2)
-3.0
(-8.4, 2.5)
Salisbury, MD-DE~
NA
9.8
(5.4, 17.2)
NA
NA
Salt Lake City, UT~
14.3
21.9
(16.8, 27.9)
7.5*
(0.7, 14.4)
San Antonio-New
Braunfels, TX
27.6
31.3
(24.9, 38.4)
3.7
(-4.8, 12.1)
San Diego-Carlsbad,
CA
18.2
20.6
(16.3, 25.7)
2.4
(-3.1, 7.9)
Geography
26 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.13 Underbanked Rates by MSA, 2013-2015
For all households
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
San Francisco-Oakland-Hayward, CA
12.6
16.5
(13.5, 20.0)
3.8
(-0.6, 8.2)
Seattle-Tacoma-Bellevue, WA
15.7
18.5
(14.9, 22.7)
2.8
(-2.2, 7.7)
Sioux Falls, SD
18.6
19.0
(12.9, 27.2)
0.5
(-9.6, 10.6)
Tampa-St. Petersburg-Clearwater, FL
19.8
16.6
(13.1, 20.8)
-3.3
(-9.3, 2.8)
Tucson, AZ
NA
21.5
(14.1, 31.3)
NA
NA
Tulsa, OK
21.4
28.4
(22.4, 35.3)
7.0
(-1.6, 15.5)
Urban Honolulu, HI
19.7
18.8
(15.3, 22.8)
-0.9
(-6.0, 4.1)
Virginia Beach-Norfolk-Newport News,
VA-NC~
28.5
29.3
(22.0, 37.9)
0.8
(-8.9, 10.4)
Washington-Arlington-Alexandria, DC-VAMD-WV~
19.8
21.5
(19.0, 24.3)
1.7
(-1.6, 5.0)
Wichita, KS~
23.1
21.4
(15.6, 28.6)
-1.8
(-11.2, 7.7)
Geography
~ indicates areas with geographic boundary changes between the 2013 and 2015 surveys. See Appendix 1 (FDIC Technical Notes) for details. * indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The
population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
27 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.14 Fully Banked Rates by MSA, 2013-2015
For all households
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
67.0
68.0
(67.5, 68.5)
1.0*
(0.3, 1.7)
Albuquerque, NM
60.3
67.1
(60.9, 72.7)
6.8
(-2.2, 15.8)
Atlanta-Sandy
Springs-Roswell, GA~
57.8
61.0
(56.3, 65.5)
3.2
(-3.0, 9.5)
Austin-Round Rock, TX
77.7
71.5
(64.5, 77.6)
-6.2
(-15.6, 3.3)
Baltimore-Columbia-Towson, MD
65.3
66.9
(60.1, 73.0)
1.6
(-5.8, 8.9)
Baton Rouge, LA
NA
55.9
(47.1, 64.3)
NA
NA
Billings, MT~
NA
79.5
(69.9, 86.6)
NA
NA
Birmingham-Hoover, AL
64.0
63.3
(56.9, 69.3)
-0.7
(-10.9, 9.5)
Boise City, ID
74.5
79.5
(73.5, 84.4)
5.0
(-2.9, 12.8)
Boston-Cambridge-Newton,
MA-NH~
73.9
72.2
(67.7, 76.2)
-1.7
(-7.5, 4.0)
Bridgeport-Stamford-Norwalk, CT~
80.1
76.5
(68.8, 82.7)
-3.6
(-11.5, 4.3)
Burlington-South Burlington, VT~
77.0
83.3
(78.1, 87.5)
6.3
(-0.7, 13.3)
Charlotte-Concord-Gastonia, NC-SC~
61.9
66.2
(60.0, 71.9)
4.3
(-4.7, 13.3)
Chicago-Naperville-Elgin, IL-IN-WI
72.4
71.7
(68.8, 74.4)
-0.7
(-4.8, 3.4)
Cincinnati, OH-KY-IN~
60.9
76.1
(69.7, 81.6)
15.2*
(6.5, 24.0)
Cleveland-Elyria, OH
70.2
76.0
(70.8, 80.6)
5.9
(-1.3, 13.1)
Columbia, SC
59.6
63.9
(55.0, 72.0)
4.4
(-6.5, 15.2)
Columbus, OH~
65.4
67.6
(61.5, 73.2)
2.2
(-6.7, 11.1)
Dallas-Fort Worth-Arlington, TX~
60.4
60.6
(56.7, 64.5)
0.2
(-5.5, 5.8)
Denver-Aurora-Lakewood, CO
73.7
75.9
(67.7, 82.6)
2.3
(-6.4, 10.9)
Detroit-Warren-Dearborn, MI
64.0
70.0
(66.2, 73.6)
6.1*
(0.7, 11.4)
Fargo, ND-MN
70.3
75.7
(68.8, 81.4)
5.4
(-3.7, 14.5)
Grand Rapids-Wyoming, MI~
79.1
75.8
(67.5, 82.6)
-3.2
(-13.0, 6.6)
Greenville-Anderson-Mauldin, SC~
NA
65.3
(56.3, 73.4)
NA
NA
Hartford-West Hartford-East Hartford, CT~
73.5
71.9
(63.8, 78.8)
-1.6
(-10.4, 7.2)
Houston-The Woodlands-Sugar Land, TX~
55.2
60.2
(56.0, 64.3)
5.1
(-0.8, 10.9)
Indianapolis-Carmel-Anderson, IN~
70.4
66.4
(60.0, 72.2)
-4.0
(-11.6, 3.5)
Jackson, MS~
NA
58.3
(50.5, 65.7)
NA
NA
Kansas City, MO-KS~
65.6
69.1
(63.3, 74.3)
3.4
(-5.1, 11.9)
Las Vegas-Henderson-Paradise, NV
62.0
55.1
(49.9, 60.2)
-6.9
(-14.2, 0.4)
Little Rock-North Little
Rock-Conway, AR
63.9
62.7
(56.3, 68.7)
-1.2
(-10.1, 7.7)
Geography
All
MSA
28 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.14 Fully Banked Rates by MSA, 2013-2015
For all households
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
Los Angeles-Long
Beach-Anaheim, CA
67.4
61.7
(58.4, 64.8)
-5.8*
(-9.7, -1.9)
Louisville/Jefferson
County, KY-IN~
66.2
71.6
(63.7, 78.4)
5.5
(-6.5, 17.5)
Manchester-Nashua,
NH~
NA
73.5
(66.5, 79.5)
NA
NA
Memphis, TN-MS-AR~
48.7
54.5
(45.8, 63.0)
5.8
(-6.2, 17.8)
Miami-Fort Lauderdale-West Palm Beach,
FL
66.1
65.9
(61.6, 70.0)
-0.2
(-6.2, 5.8)
Milwaukee-Waukesha-West Allis, WI
76.8
75.4
(69.2, 80.7)
-1.4
(-8.9, 6.2)
Minneapolis-St.
Paul-Bloomington,
MN-WI~
81.5
77.6
(72.6, 82.0)
-3.8
(-9.5, 1.8)
Nashville-Davidson--Murfreesboro--Franklin, TN~
68.5
71.2
(64.0, 77.5)
2.7
(-7.9, 13.4)
New Haven-Milford,
CT~
79.0
68.5
(60.4, 75.5)
-10.6*
(-20.3, -0.8)
New Orleans-Metairie,
LA~
66.2
64.8
(58.4, 70.7)
-1.5
(-12.0, 9.1)
New York-Newark-Jersey City, NY-NJ-PA~
64.3
60.8
(58.7, 62.9)
-3.5*
(-6.5, -0.5)
Oklahoma City, OK
64.5
58.6
(50.3, 66.4)
-6.0
(-16.4, 4.5)
Omaha-Council Bluffs,
NE-IA
66.7
63.9
(57.2, 70.1)
-2.8
(-11.8, 6.1)
Orlando-Kissimmee-Sanford, FL
57.1
61.6
(54.2, 68.6)
4.5
(-5.8, 14.8)
Philadelphia-Camden-Wilmington, PANJ-DE-MD
64.3
73.0
(69.3, 76.4)
8.7*
(3.7, 13.6)
Phoenix-Mesa-Scottsdale, AZ
63.7
65.8
(60.8, 70.4)
2.0
(-4.4, 8.5)
Pittsburgh, PA
69.7
67.4
(61.3, 73.0)
-2.2
(-9.9, 5.4)
Portland-South Portland, ME~
80.1
71.7
(64.6, 77.9)
-8.4
(-17.7, 0.9)
Portland-Vancouver-Hillsboro, OR-WA
74.9
67.4
(62.6, 71.8)
-7.5*
(-14.0, -1.1)
Providence-Warwick,
RI-MA~
67.9
68.1
(62.2, 73.5)
0.2
(-6.3, 6.7)
Richmond, VA~
69.8
77.2
(67.7, 84.5)
7.3
(-4.1, 18.7)
Riverside-San Bernardino-Ontario, CA
64.9
68.5
(63.3, 73.3)
3.6
(-3.4, 10.7)
Sacramento--Roseville--Arden-Arcade, CA
71.5
76.3
(69.3, 82.1)
4.8
(-4.0, 13.5)
St. Louis, MO-IL~
72.7
71.5
(66.3, 76.3)
-1.2
(-8.0, 5.7)
Salisbury, MD-DE~
NA
75.2
(58.2, 86.8)
NA
NA
Salt Lake City, UT~
80.8
73.6
(67.5, 79.0)
-7.1
(-14.9, 0.6)
San Antonio-New
Braunfels, TX
62.0
54.3
(46.3, 62.2)
-7.6
(-17.6, 2.4)
San Diego-Carlsbad,
CA
70.4
68.1
(62.3, 73.4)
-2.2
(-9.3, 4.8)
Geography
29 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.14 Fully Banked Rates by MSA, 2013-2015
For all households
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
San Francisco-Oakland-Hayward, CA
74.3
75.7
(71.5, 79.4)
1.3
(-4.4, 7.1)
Seattle-Tacoma-Bellevue, WA
77.4
75.8
(71.4, 79.8)
-1.5
(-7.2, 4.1)
Sioux Falls, SD
69.3
74.8
(65.0, 82.6)
5.5
(-6.2, 17.1)
Tampa-St. Petersburg-Clearwater, FL
69.9
73.4
(68.5, 77.7)
3.4
(-3.6, 10.5)
Tucson, AZ
NA
69.8
(59.0, 78.8)
NA
NA
Tulsa, OK
66.6
58.9
(51.1, 66.2)
-7.7
(-18.6, 3.2)
Urban Honolulu, HI
68.6
74.2
(69.7, 78.2)
5.5
(-0.5, 11.6)
Virginia Beach-Norfolk-Newport News,
VA-NC~
56.8
63.4
(55.7, 70.5)
6.6
(-3.0, 16.2)
Washington-Arlington-Alexandria, DC-VAMD-WV~
69.4
69.7
(66.3, 72.9)
0.4
(-3.6, 4.3)
Wichita, KS~
63.1
66.2
(57.5, 73.8)
3.0
(-8.8, 14.8)
Geography
~ indicates areas with geographic boundary changes between the 2013 and 2015 surveys. See Appendix 1 (FDIC Technical Notes) for details. * indicates
differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate
of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
30 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.15 L
ikelihood of Opening an Account by Previous Banking Status and Household Characteristics, 2015
For all unbanked households, row percent
Number of
Households
(1000s)
Percent of
Households
Very likely
(Percent)
Somewhat
likely
(Percent)
Not very likely
(Percent)
Not at all likely
(Percent)
Unknown
(Percent)
8,969
100.0
9.5
16.9
18.1
48.6
6.8
Once had bank account
4,166
100.0
15.3
22.0
19.7
39.8
3.2
Never had bank account
4,644
100.0
4.5
13.0
16.9
57.9
7.7
NA
NA
NA
NA
NA
NA
NA
Less than $15,000
4,624
100.0
10.8
16.9
16.1
50.4
5.9
$15,000 to $30,000
2,532
100.0
6.7
17.2
20.6
48.5
7.0
$30,000 to $50,000
1,263
100.0
8.1
18.2
21.9
46.9
5.0
$50,000 to $75,000
NA
NA
NA
NA
NA
NA
NA
At least $75,000
NA
NA
NA
NA
NA
NA
NA
No high school diploma
3,203
100.0
6.5
13.0
20.3
54.8
5.5
High school diploma
3,216
100.0
10.2
19.1
17.8
46.2
6.7
Some college
2,056
100.0
13.1
19.8
16.5
43.7
6.8
494
100.0
9.6
16.5
13.0
44.6
16.3
15 to 24 years
868
100.0
13.6
29.6
20.4
30.1
6.2
25 to 34 years
2,234
100.0
10.8
23.1
17.7
42.9
5.5
35 to 44 years
1,935
100.0
12.0
14.9
19.1
47.3
6.7
45 to 54 years
1,587
100.0
9.2
15.2
17.6
52.5
5.6
55 to 64 years
1,398
100.0
5.8
9.9
19.2
57.6
7.4
947
100.0
3.7
8.0
14.2
62.1
12.0
Black
3,262
100.0
12.1
18.3
17.6
44.7
7.3
Hispanic
2,614
100.0
5.2
18.0
21.3
48.9
6.6
Asian
NA
NA
NA
NA
NA
NA
NA
White
2,645
100.0
10.8
14.5
15.8
52.6
6.4
Other
NA
NA
NA
NA
NA
NA
NA
Disabled, age 25 to 64
2,023
100.0
8.8
13.3
16.4
56.1
5.5
Not disabled, age 25 to 64
5,132
100.0
10.2
17.9
19.1
46.3
6.5
Not applicable (not age 25
to 64)
1,814
100.0
8.4
18.3
17.2
46.8
9.2
3,878
100.0
10.2
17.3
20.7
45.1
6.8
889
100.0
15.0
32.8
14.8
32.6
4.8
4,202
100.0
7.7
13.3
16.4
55.3
7.3
Characteristics
All
Previously banked
Unknown
Family income
Education
College degree
Age group
65 years or more
Race/Ethnicity
Disability status
Employment status
Employed
Unemployed
Not in labor force
31 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.15 L
ikelihood of Opening an Account by Previous Banking Status and Household Characteristics, 2015
For all unbanked households, row percent
Number of
Households
(1000s)
Percent of
Households
Very likely
(Percent)
Somewhat
likely
(Percent)
Not very likely
(Percent)
Not at all likely
(Percent)
Unknown
(Percent)
Homeowner
1,860
100.0
8.1
11.8
16.4
54.5
9.2
Non-homeowner
7,109
100.0
9.9
18.3
18.6
47.1
6.2
Married couple
1,964
100.0
8.4
19.1
21.0
46.8
4.6
Unmarried female-headed
family
2,586
100.0
12.2
22.1
16.6
44.3
4.8
605
100.0
9.3
15.9
14.3
52.5
8.0
Female individual
1,603
100.0
6.6
12.6
16.7
52.3
11.8
Male individual
2,173
100.0
9.3
11.6
19.8
51.9
7.3
NA
NA
NA
NA
NA
NA
NA
6,668
100.0
10.8
16.6
17.2
48.6
6.8
NA
NA
NA
NA
NA
NA
NA
1,851
100.0
6.2
15.7
22.1
48.6
7.4
8,082
100.0
9.8
17.5
17.9
48.2
6.6
887
100.0
7.0
12.1
20.4
52.2
8.4
Metropolitan area - principal
city
3,755
100.0
8.1
18.0
21.5
44.9
7.6
Metropolitan area - balance
2,855
100.0
9.1
16.1
16.0
52.1
6.7
Not in metropolitan area
1,364
100.0
14.2
14.8
15.1
49.8
6.2
995
100.0
9.7
18.3
15.7
51.3
5.0
Northeast
1,438
100.0
8.5
18.9
13.6
53.7
5.3
Midwest
1,583
100.0
11.7
18.3
16.0
45.2
8.8
South
4,233
100.0
9.9
16.4
20.5
47.1
6.0
West
1,715
100.0
7.2
15.4
17.9
51.2
8.3
Income was about the same
each month
5,217
100.0
9.1
17.2
18.6
54.1
0.9
Income varied somewhat from
month to month
1,814
100.0
11.8
23.4
22.3
41.2
1.3
Income varied a lot from month
to month
744
100.0
15.2
17.4
17.5
48.7
1.2
1,194
100.0
4.0
5.9
10.0
35.6
44.5
Characteristics
Homeownership
Household type
Unmarried male-headed family
Other
Nativity
U.S.-born
Foreign-born citizen
Foreign-born non-citizen
Spanish only language
spoken
Spanish is not only language
spoken
Spanish is only language
spoken
Metropolitan status
Not identified
Geographic region
Monthly income volatility
Unknown
NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than
zero. Estimates do not always reconcile to totals because of rounding.
32 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.16 All Reasons Households Were Unbanked by Previous Banking Status, 2015
For all unbanked households, column percent
All
Once had bank account
Never had bank account
Number of Households (1000s)
Characteristics
8,969
4,166
4,644
Percent of Households
100.0
100.0
100.0
Yes
8.5
10.4
6.9
No
87.9
88.3
90.0
Unknown
3.6
1.3
3.1
Yes
9.0
9.6
8.7
No
86.8
88.8
87.3
Unknown
4.1
1.6
4.0
Yes
27.7
33.8
23.1
No
67.5
64.5
71.9
Unknown
4.8
1.7
5.0
Yes
24.0
31.5
17.7
No
70.3
66.2
76.0
Unknown
5.7
2.3
6.3
Yes
15.4
15.4
15.8
No
79.1
82.0
78.7
Unknown
5.5
2.6
5.5
Yes
28.0
28.2
28.3
No
66.4
69.3
65.7
Unknown
5.6
2.6
5.9
Yes
57.4
59.7
56.9
No
36.8
37.7
36.7
Unknown
5.9
2.7
6.4
Yes
28.5
28.6
29.2
No
65.1
68.2
63.9
Unknown
6.4
3.2
6.8
Yes
16.4
17.6
15.9
No
76.9
79.8
76.2
Unknown
6.6
2.6
7.9
Inconvenient hours (Percent)
Inconvenient locations (Percent)
Account fees too high (Percent)
Account fees unpredictable (Percent)
Banks do not offer needed products or services (Percent)
Do not trust banks (Percent)
Do not have enough money to keep in account (Percent)
Avoiding bank gives more privacy (Percent)
ID, credit, or former bank account problems (Percent)
33 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.16 All Reasons Households Were Unbanked by Previous Banking Status, 2015
For all unbanked households, column percent
Characteristics
All
Once had bank account
Never had bank account
Yes
13.4
16.1
11.3
No
80.2
81.2
81.4
Unknown
6.4
2.7
7.3
Other reason (Percent)
NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than
zero. Estimates do not always reconcile to totals because of rounding.
A.17 M
ain Reason Households Were Unbanked by Previous Banking Status, 2015
For all unbanked households, column percent
All
Once had bank account
Never had bank account
Number of Households (1000s)
Characteristics
8,969
4,166
4,644
Percent of Households
100.0
100.0
100.0
Inconvenient hours
3.3
4.1
2.7
Inconvenient locations
2.0
2.3
1.8
Account fees too high
9.4
11.6
7.8
Account fees unpredictable
1.9
2.6
1.1
Banks do not offer needed products or services
1.3
0.8
1.7
Do not trust banks
10.9
10.7
11.3
Do not have enough money to keep in account
37.8
39.6
37.3
Avoiding bank gives more privacy
3.4
2.8
4.1
ID, credit, or former bank account problems
5.7
5.6
5.9
Other reason
10.3
12.3
8.8
Unknown
14.0
7.6
17.4
Main reason unbanked
NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than
zero. Estimates do not always reconcile to totals because of rounding.
34 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.18 “How Interested Are Banks in Serving Households Like Yours?” by Banking Status and Household
Characteristics, 2015
For all households, row percent
Number of
Households
(1000s)
Percent of
Households
Very
interested
(Percent)
Somewhat
interested
(Percent)
Not at all
interested
(Percent)
Unknown:
Do not know/
Refused
(Percent)
Unknown:
Dropped
out
(Percent)
127,538
100.0
37.4
39.1
15.8
5.5
2.1
Unbanked
8,969
100.0
8.3
22.6
55.8
9.1
4.2
Banked: Underbanked
25,423
100.0
35.3
44.1
16.6
4.0
-
Banked: Fully banked
86,736
100.0
42.8
41.1
12.0
4.0
-
Banked: Underbanked status
unknown
6,410
100.0
13.6
16.3
7.2
26.3
36.6
Less than $15,000
18,046
100.0
24.7
35.1
30.2
7.5
2.5
$15,000 to $30,000
21,392
100.0
28.5
39.9
22.1
7.0
2.4
$30,000 to $50,000
25,336
100.0
34.0
42.6
16.3
5.1
2.0
$50,000 to $75,000
23,003
100.0
40.0
41.3
11.9
4.6
2.3
At least $75,000
39,761
100.0
48.7
37.1
7.7
4.6
1.8
No high school diploma
13,802
100.0
26.0
34.7
29.5
7.5
2.3
High school diploma
33,239
100.0
32.6
39.6
19.6
5.8
2.4
Some college
37,512
100.0
36.1
41.7
15.4
4.7
2.1
College degree
42,985
100.0
46.1
38.0
8.8
5.3
1.9
15 to 24 years
6,648
100.0
26.9
44.3
20.9
5.7
2.2
25 to 34 years
21,005
100.0
34.7
41.4
16.4
5.8
1.7
35 to 44 years
21,640
100.0
36.5
39.2
17.0
5.1
2.2
45 to 54 years
23,773
100.0
37.8
40.0
15.4
4.7
2.1
55 to 64 years
23,981
100.0
38.5
39.3
15.7
4.5
2.0
65 years or more
30,491
100.0
41.2
35.6
13.7
7.0
2.5
Black
17,961
100.0
29.2
38.0
23.7
6.2
2.9
Hispanic
16,106
100.0
30.3
38.2
23.3
5.3
2.8
Asian
6,275
100.0
38.4
38.1
13.0
8.3
2.3
White
85,428
100.0
40.5
39.7
12.9
5.1
1.8
Other
1,768
100.0
35.7
36.7
18.3
7.3
2.0
Disabled, age 25 to 64
11,497
100.0
27.4
36.1
29.2
5.1
2.2
Not disabled, age 25 to 64
78,902
100.0
38.4
40.5
14.2
5.0
2.0
Not applicable (not age 25
to 64)
37,139
100.0
38.6
37.2
15.0
6.7
2.4
Employed
78,152
100.0
38.5
41.0
13.6
4.9
2.0
Unemployed
3,869
100.0
26.1
42.8
22.9
6.2
2.1
Not in labor force
45,517
100.0
36.5
35.6
19.0
6.5
2.4
Characteristics
All
Unbanked and
underbanked
Family income
Education
Age group
Race/Ethnicity
Disability status
Employment status
35 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.18 “How Interested Are Banks in Serving Households Like Yours?” by Banking Status and Household
Characteristics, 2015
For all households, row percent
Number of
Households
(1000s)
Percent of
Households
Very
interested
(Percent)
Somewhat
interested
(Percent)
Not at all
interested
(Percent)
Unknown:
Do not know/
Refused
(Percent)
Unknown:
Dropped
out
(Percent)
Homeowner
80,685
100.0
43.1
38.5
11.4
5.1
1.9
Non-homeowner
46,853
100.0
27.7
40.2
23.3
6.2
2.6
Married couple
59,549
100.0
44.1
38.4
11.2
4.6
1.8
Unmarried female-headed
family
15,998
100.0
28.6
39.7
23.9
5.6
2.2
Characteristics
Homeownership
Household type
Unmarried male-headed family
6,143
100.0
30.2
42.1
19.2
5.8
2.8
Female individual
23,474
100.0
34.1
38.9
17.8
6.7
2.6
Male individual
22,100
100.0
31.8
40.1
19.3
6.5
2.4
NA
NA
NA
NA
NA
NA
NA
108,671
100.0
38.1
39.4
15.3
5.2
2.0
Foreign-born citizen
9,728
100.0
38.3
38.0
15.2
6.0
2.5
Foreign-born non-citizen
9,140
100.0
28.6
37.1
22.7
8.6
3.1
124,675
100.0
37.8
39.3
15.5
5.4
2.1
2,863
100.0
24.2
33.7
29.0
8.4
4.7
Metropolitan area - principal
city
36,531
100.0
33.7
40.1
17.6
6.1
2.5
Metropolitan area - balance
54,619
100.0
38.5
38.8
15.1
5.3
2.3
Not in metropolitan area
17,895
100.0
41.1
37.2
14.5
5.7
1.4
Not identified
18,494
100.0
38.1
40.3
15.3
4.8
1.5
Northeast
22,699
100.0
34.5
40.2
16.4
6.1
2.8
Midwest
27,625
100.0
39.7
39.3
13.6
6.2
1.1
South
48,382
100.0
38.0
38.4
16.7
4.9
2.0
West
28,832
100.0
36.7
39.4
15.9
5.4
2.7
Income was about the same
each month
91,549
100.0
39.8
40.7
15.3
4.2
-
Income varied somewhat from
month to month
20,839
100.0
37.4
42.0
16.8
3.8
-
Income varied a lot from month
to month
5,781
100.0
34.0
36.4
25.1
4.5
-
Unknown
9,370
100.0
16.6
19.2
12.5
22.7
29.0
Other
Nativity
U.S.-born
Spanish only language
spoken
Spanish is not only language
spoken
Spanish is only language
spoken
Metropolitan status
Geographic region
Monthly income volatility
Households recorded as “Unknown: Do not know/Refused” were asked the survey question but did not select a provided response (“very interested,” “somewhat
interested,” or “not at all interested”). Households recorded as “Unknown: Dropped out” dropped out of the survey before being asked this question. NA indicates
that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
36 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
B.1 Types of Accounts Owned by Banked Households, 2015
For all banked households, row percent
Number of
Households
(1000s)
Percent of
Households
Checking
and savings
(Percent)
Savings only
(Percent)
Checking only
(Percent)
116,137
100.0
75.8
2.0
22.2
Less than $15,000
13,082
100.0
46.8
5.7
47.4
$15,000 to $30,000
18,432
100.0
59.4
3.6
37.1
$30,000 to $50,000
23,526
100.0
73.6
1.7
24.7
$50,000 to $75,000
22,203
100.0
82.2
1.1
16.8
At least $75,000
38,893
100.0
90.9
0.7
8.4
No high school diploma
10,351
100.0
47.7
6.2
46.2
High school diploma
29,362
100.0
66.3
2.8
30.9
Some college
34,780
100.0
77.6
1.5
20.8
College degree
41,643
100.0
87.9
0.7
11.3
15 to 24 years
5,585
100.0
73.1
2.4
24.5
25 to 34 years
18,457
100.0
78.2
1.8
20.1
35 to 44 years
19,328
100.0
78.1
1.8
20.1
45 to 54 years
21,781
100.0
77.4
1.8
20.8
55 to 64 years
22,174
100.0
74.4
2.4
23.2
65 years or more
28,811
100.0
73.0
2.0
24.9
Black
14,341
100.0
66.4
4.2
29.3
Hispanic
13,209
100.0
64.8
3.4
31.8
Asian
5,865
100.0
80.1
1.1
18.8
White
81,173
100.0
79.0
1.4
19.6
Other
1,548
100.0
69.7
2.5
27.7
Disabled, age 25 to 64
9,298
100.0
53.6
4.9
41.4
Not disabled, age 25 to 64
72,442
100.0
79.9
1.5
18.5
Not applicable (not age 25 to 64)
34,396
100.0
73.0
2.1
24.9
Employed
72,958
100.0
80.4
1.5
18.1
Unemployed
2,919
100.0
65.8
4.7
29.4
Not in labor force
40,259
100.0
68.1
2.7
29.2
Homeowner
77,375
100.0
81.5
1.3
17.2
Non-homeowner
38,762
100.0
64.4
3.4
32.2
Characteristics
All
Family income
Education
Age group
Race/Ethnicity
Disability status
Employment status
Homeownership
37 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
B.1 Types of Accounts Owned by Banked Households, 2015
For all banked households, row percent
Number of
Households
(1000s)
Percent of
Households
Checking
and savings
(Percent)
Savings only
(Percent)
Checking only
(Percent)
Married couple
56,516
100.0
83.3
1.1
15.6
Unmarried female-headed family
13,144
100.0
64.3
3.0
32.7
Unmarried male-headed family
5,426
100.0
69.8
2.4
27.9
Female individual
21,375
100.0
70.8
2.5
26.7
Male individual
19,482
100.0
68.8
3.3
27.9
NA
NA
NA
NA
NA
U.S.-born
99,958
100.0
77.0
2.0
21.1
Foreign-born citizen
9,113
100.0
72.1
1.9
26.0
Foreign-born non-citizen
7,066
100.0
63.5
2.5
34.0
114,209
100.0
76.3
1.9
21.8
1,928
100.0
45.8
4.5
49.7
Metropolitan area - principal city
31,971
100.0
75.4
2.3
22.3
Metropolitan area - balance
50,725
100.0
79.5
1.3
19.2
Not in metropolitan area
16,241
100.0
66.8
2.7
30.5
Not identified
17,200
100.0
74.1
2.6
23.3
Northeast
20,757
100.0
76.3
2.1
21.6
Midwest
25,578
100.0
77.9
2.1
20.0
South
43,193
100.0
71.0
2.2
26.8
West
26,609
100.0
81.1
1.5
17.4
Income was about the same each
month
85,594
100.0
76.0
2.0
22.0
Income varied somewhat from
month to month
18,854
100.0
77.5
1.9
20.6
Income varied a lot from month
to month
4,993
100.0
71.1
2.6
26.2
Unknown
6,696
100.0
71.3
1.7
26.9
Characteristics
Household type
Other
Nativity
Spanish only language spoken
Spanish is not only language
spoken
Spanish is only language spoken
Metropolitan status
Geographic region
Monthly income volatility
Excludes households with missing information on bank account types. NA indicates that the sample size is too small to produce a precise estimate. - indicates an
estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
38 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
B.2 Savings
Account Ownership Rates by Household Characteristics, Banked Households, 2011-2015
For all banked households
2011
(Percent)
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
76.6
76.0
77.8
(77.3, 78.3)
1.7*
(1.1, 2.4)
Less than $15,000
53.2
51.5
52.6
(50.9, 54.2)
1.1
(-1.1, 3.2)
$15,000 to $30,000
64.9
62.1
62.9
(61.6, 64.2)
0.8
(-0.8, 2.5)
$30,000 to $50,000
74.6
73.7
75.3
(74.3, 76.3)
1.6*
(0.2, 3.1)
$50,000 to $75,000
83.4
82.3
83.2
(82.4, 84.1)
0.9
(-0.3, 2.1)
At least $75,000
90.9
90.5
91.6
(91.1, 92.1)
1.1*
(0.4, 1.9)
No high school diploma
54.8
54.4
53.8
(52.1, 55.5)
-0.5
(-2.8, 1.7)
High school diploma
69.6
68.4
69.1
(68.0, 70.1)
0.7
(-0.7, 2.2)
Some college
78.1
76.7
79.2
(78.3, 80.0)
2.4*
(1.4, 3.4)
College degree
87.4
86.8
88.7
(88.1, 89.2)
1.8*
(1.0, 2.7)
15 to 24 years
70.8
72.0
75.5
(73.0, 77.9)
3.5*
(0.1, 6.9)
25 to 34 years
77.1
77.6
79.9
(78.6, 81.1)
2.3*
(0.6, 4.0)
35 to 44 years
77.5
77.3
79.9
(78.8, 80.9)
2.6*
(1.0, 4.1)
45 to 54 years
78.3
77.9
79.2
(78.1, 80.3)
1.3
(-0.1, 2.6)
55 to 64 years
77.9
75.7
76.8
(75.8, 77.8)
1.1
(-0.2, 2.5)
65 years or more
74.3
73.6
75.1
(74.2, 75.9)
1.5*
(0.2, 2.8)
Black
68.3
67.4
70.7
(69.1, 72.2)
3.3*
(1.4, 5.2)
Hispanic
66.1
66.3
68.2
(66.4, 69.9)
1.9
(-0.6, 4.3)
Asian
80.6
81.2
81.2
(79.1, 83.1)
0.0
(-2.5, 2.5)
White
79.2
78.7
80.4
(79.9, 81.0)
1.7*
(1.0, 2.5)
Other
74.2
67.2
72.3
(68.5, 75.7)
5.1
(-0.9, 11.1)
Disabled, age 25 to 64
61.9
58.4
58.6
(56.6, 60.5)
0.1
(-2.5, 2.8)
Not disabled, age 25 to 64
79.7
79.4
81.5
(80.9, 82.1)
2.1*
(1.3, 2.9)
Not applicable (not age 25 to 64)
73.7
73.3
75.1
(74.3, 75.9)
1.8*
(0.7, 3.0)
Employed
80.5
79.8
81.9
(81.4, 82.4)
2.1*
(1.4, 2.8)
Unemployed
67.4
67.8
70.6
(67.3, 73.6)
2.8
(-1.2, 6.8)
Not in labor force
70.7
70.0
70.8
(70.0, 71.6)
0.8
(-0.3, 1.9)
Homeowner
81.4
80.9
82.8
(82.2, 83.3)
1.8*
(1.1, 2.5)
Non-homeowner
65.8
65.4
67.8
(66.8, 68.8)
2.4*
(1.1, 3.7)
Characteristics
All
Family income
Education
Age group
Race/Ethnicity
Disability status
Employment status
Homeownership
39 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
B.2 Savings
Account Ownership Rates by Household Characteristics, Banked Households, 2011-2015
For all banked households
2011
(Percent)
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
Married couple
83.1
82.7
84.4
(83.8, 85.0)
1.6*
(0.8, 2.5)
Unmarried female-headed family
67.9
67.1
67.3
(65.7, 68.7)
0.2
(-2.0, 2.3)
Unmarried male-headed family
69.2
67.7
72.1
(69.7, 74.5)
4.4*
(1.4, 7.4)
Female individual
71.0
70.6
73.3
(72.4, 74.3)
2.7*
(1.3, 4.2)
Male individual
70.8
69.8
72.1
(70.9, 73.4)
2.3*
(0.6, 4.0)
Other
NA
NA
NA
NA
NA
NA
U.S.-born
77.5
77.0
78.9
(78.4, 79.4)
1.9*
(1.2, 2.6)
Foreign-born citizen
74.8
73.1
74.0
(72.1, 75.8)
0.9
(-1.4, 3.3)
Foreign-born non-citizen
65.3
65.0
66.0
(63.8, 68.2)
1.0
(-2.1, 4.2)
Spanish is not only language spoken
77.0
76.4
78.2
(77.7, 78.7)
1.8*
(1.2, 2.5)
Spanish is only language spoken
52.2
52.6
50.3
(45.8, 54.9)
-2.3
(-8.6, 4.0)
Metropolitan area - principal city
76.8
77.0
77.7
(76.7, 78.7)
0.7
(-0.6, 2.0)
Metropolitan area - balance
79.2
78.8
80.8
(80.2, 81.4)
2.0*
(1.1, 2.9)
Not in metropolitan area
69.8
67.3
69.5
(68.0, 71.0)
2.2*
(0.2, 4.2)
Not identified
76.4
75.7
76.7
(75.2, 78.2)
1.0
(-0.9, 3.0)
Northeast
79.8
78.2
78.4
(77.1, 79.6)
0.2
(-1.4, 1.7)
Midwest
77.9
78.2
80.0
(78.9, 80.9)
1.7*
(0.5, 3.0)
South
71.4
70.9
73.2
(72.3, 74.1)
2.3*
(1.1, 3.5)
West
81.4
80.8
82.6
(81.7, 83.5)
1.8*
(0.6, 3.0)
Characteristics
Household type
Nativity
Spanish only language spoken
Metropolitan status
Geographic region
Excludes households with missing information on bank account types. * indicates differences that are statistically significant at the 10% level. NA indicates that the
sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do
not always reconcile to totals because of rounding.
40 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
B.3 All
Methods Used to Access Bank Accounts by Banking Status and Household Characteristics, 2015
For all banked households that accessed their account in the past 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)
113,315
100.0
75.5
69.8
27.0
60.4
31.9
1.1
Banked: Underbanked
25,056
100.0
77.0
75.5
32.7
54.8
35.7
0.8
Banked: Fully banked
85,351
100.0
75.2
68.3
25.5
62.5
31.0
1.1
Banked: Underbanked
status unknown
2,908
100.0
73.0
65.1
22.3
49.2
26.7
1.7
Less than $15,000
12,473
100.0
71.7
56.6
20.9
33.4
19.0
2.8
$15,000 to $30,000
17,896
100.0
77.2
59.8
21.8
39.3
19.6
1.8
$30,000 to $50,000
22,958
100.0
76.6
67.3
24.9
52.1
27.1
0.8
$50,000 to $75,000
21,739
100.0
76.5
72.1
28.1
66.1
34.6
0.7
At least $75,000
38,248
100.0
74.8
79.0
32.0
80.8
43.2
0.5
No high school diploma
9,844
100.0
76.0
52.8
18.5
24.6
12.7
2.8
High school diploma
28,451
100.0
76.5
63.3
22.2
44.2
21.9
1.4
Some college
34,062
100.0
75.2
71.3
29.0
62.9
33.8
0.9
College degree
40,958
100.0
75.0
77.2
30.6
78.2
41.9
0.6
15 to 24 years
5,506
100.0
66.1
78.0
28.0
68.6
51.6
0.3
25 to 34 years
18,235
100.0
67.1
77.2
29.6
73.8
53.3
0.3
35 to 44 years
18,929
100.0
72.0
77.8
31.6
74.0
47.7
0.3
45 to 54 years
21,237
100.0
76.7
77.5
30.2
66.8
34.1
0.6
55 to 64 years
21,676
100.0
78.9
70.2
27.5
58.5
22.0
1.0
65 years or more
27,732
100.0
81.9
51.7
19.0
37.3
9.2
2.7
Black
13,905
100.0
74.2
74.1
29.9
49.2
33.0
0.6
Characteristics
All
Unbanked and
underbanked
Family income
Education
Age group
Race/Ethnicity
Hispanic
12,835
100.0
70.4
70.0
26.3
51.7
34.2
0.7
Asian
5,711
100.0
72.2
67.0
22.8
69.9
34.3
0.4
White
79,378
100.0
76.8
69.2
26.7
63.1
31.2
1.3
Other
1,485
100.0
75.7
72.7
34.0
58.0
32.5
0.8
Disabled, age 25 to 64
8,975
100.0
75.5
68.3
29.2
44.9
22.1
1.5
Not disabled, age 25
to 64
71,102
100.0
73.8
76.4
29.7
70.7
40.5
0.4
Not applicable (not age
25 to 64)
33,238
100.0
79.2
56.1
20.5
42.5
16.2
2.3
Employed
71,556
100.0
73.7
76.1
29.8
70.6
41.1
0.5
Unemployed
2,856
100.0
75.6
76.7
30.2
60.1
32.9
0.5
Not in labor force
38,904
100.0
78.9
57.8
21.5
41.7
14.8
2.2
Disability status
Employment status
41 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
B.3 All
Methods Used to Access Bank Accounts by Banking Status and Household Characteristics, 2015
For all banked households that accessed their account in the past 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)
Homeowner
75,565
100.0
78.3
68.6
26.7
62.2
29.4
1.0
Non-homeowner
37,750
100.0
69.9
72.4
27.6
56.8
37.0
1.1
Married couple
55,559
100.0
78.4
72.3
29.4
68.4
34.6
0.6
Unmarried femaleheaded family
12,882
100.0
72.6
74.6
29.2
56.4
33.2
1.0
Unmarried maleheaded family
5,245
100.0
73.3
74.9
27.6
55.7
36.9
0.3
Female individual
20,513
100.0
73.6
59.9
23.1
47.7
22.9
2.6
Male individual
18,902
100.0
71.8
68.6
22.5
54.6
31.1
1.0
NA
NA
NA
NA
NA
NA
NA
NA
U.S.-born
97,632
100.0
75.8
70.4
27.7
61.3
32.3
1.1
Foreign-born citizen
8,819
100.0
76.6
63.4
22.3
57.1
28.6
0.8
Foreign-born noncitizen
6,864
100.0
70.5
69.7
23.0
52.2
30.8
0.7
111,465
100.0
75.5
70.0
27.1
61.0
32.2
1.1
1,850
100.0
77.0
56.3
16.9
25.4
16.9
1.7
Metropolitan area principal city
31,227
100.0
72.7
73.0
27.9
62.3
35.4
0.9
Metropolitan area balance
49,508
100.0
74.8
72.2
27.4
65.0
33.9
0.8
Not in metropolitan
area
15,769
100.0
80.4
59.4
23.0
46.0
21.9
1.7
Not identified
16,811
100.0
78.4
66.8
27.7
57.1
29.0
1.5
Northeast
20,234
100.0
75.9
73.5
25.3
60.3
28.4
0.8
Midwest
24,989
100.0
77.6
67.2
24.6
58.4
29.9
1.2
South
42,053
100.0
75.0
67.3
27.7
57.8
32.2
1.2
West
26,038
100.0
74.1
73.5
29.4
66.6
36.1
1.0
Income was about the
same each month
84,922
100.0
74.8
68.6
25.9
59.4
30.1
1.2
Income varied
somewhat from month
to month
18,800
100.0
78.0
75.2
31.0
66.6
40.6
0.7
Income varied a lot
from month to month
4,963
100.0
81.8
73.9
34.5
64.6
38.0
0.8
Unknown
4,630
100.0
72.5
66.7
22.6
49.5
22.4
1.3
Characteristics
Homeownership
Household type
Other
Nativity
Spanish only
language spoken
Spanish is not only
language spoken
Spanish is only
language spoken
Metropolitan status
Geographic region
Monthly income
volatility
Excludes households with missing information on bank account access methods used. Row percents may not sum to 100 because households were asked to
select all methods used. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion
may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
42 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
B.4 Primary Method Used to Access Bank Accounts by Banking Status and Household Characteristics,
2015
For all banked households that accessed their account in the past 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)
113,315
100.0
28.2
21.0
3.0
36.9
9.5
0.9
0.6
Banked:
Underbanked
25,056
100.0
27.8
27.0
3.9
27.6
12.6
0.6
0.5
Banked: Fully
banked
85,351
100.0
28.2
19.2
2.7
39.9
8.7
0.9
0.5
Banked:
Underbanked
status unknown
2,908
100.0
31.5
23.6
2.8
27.6
6.1
1.7
6.7
Characteristics
All
Unbanked and
underbanked
Family income
Less than $15,000
12,473
100.0
41.7
25.6
4.6
18.0
7.1
2.7
0.4
$15,000 to
$30,000
17,896
100.0
40.5
25.0
3.5
20.8
8.1
1.6
0.6
$30,000 to
$50,000
22,958
100.0
32.5
23.8
3.7
29.1
9.7
0.7
0.5
$50,000 to
$75,000
21,739
100.0
25.8
19.6
2.5
39.7
11.3
0.5
0.7
At least $75,000
38,248
100.0
16.7
16.9
2.0
53.6
9.7
0.4
0.7
No high school
diploma
9,844
100.0
50.8
26.4
4.2
11.8
4.0
2.5
0.2
High school
diploma
28,451
100.0
38.2
24.4
3.6
24.5
7.5
1.2
0.6
Some college
34,062
100.0
25.6
21.5
3.4
36.8
11.6
0.7
0.5
College degree
40,958
100.0
17.9
17.0
1.8
51.5
10.4
0.4
0.9
15 to 24 years
5,506
100.0
15.9
24.3
2.1
31.4
25.0
0.3
1.0
25 to 34 years
18,235
100.0
14.3
18.4
2.1
42.6
21.9
0.2
0.5
35 to 44 years
18,929
100.0
16.9
19.7
2.7
45.8
14.3
0.2
0.5
45 to 54 years
21,237
100.0
22.9
23.8
2.9
42.0
7.6
0.4
0.4
55 to 64 years
21,676
100.0
31.7
22.8
3.4
37.3
3.4
0.8
0.8
65 years or more
27,732
100.0
48.7
19.5
3.6
23.8
1.2
2.4
0.8
Black
13,905
100.0
30.1
28.2
4.1
25.1
11.3
0.6
0.6
Hispanic
12,835
100.0
29.3
27.0
3.2
27.2
12.6
0.4
0.3
Asian
5,711
100.0
25.5
18.4
1.7
44.4
9.0
0.3
0.8
White
79,378
100.0
27.9
19.0
2.8
40.0
8.6
1.1
0.7
Other
1,485
100.0
25.4
22.9
4.1
33.8
12.5
0.6
0.7
Disabled, age 25
to 64
8,975
100.0
32.4
27.7
5.4
25.9
6.6
1.4
0.5
Not disabled, age
25 to 64
71,102
100.0
20.6
20.5
2.5
43.8
11.9
0.3
0.6
Not applicable
(not age 25 to 64)
33,238
100.0
43.3
20.3
3.3
25.0
5.2
2.1
0.8
Education
Age group
Race/Ethnicity
Disability status
43 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
B.4 Primary Method Used to Access Bank Accounts by Banking Status and Household Characteristics,
2015
For all banked households that accessed their account in the past 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)
Employed
71,556
100.0
20.6
20.2
2.4
43.3
12.5
0.4
0.6
Unemployed
2,856
100.0
21.4
29.6
1.9
35.3
11.4
0.4
-
Not in labor force
38,904
100.0
42.6
21.9
4.0
25.2
3.7
1.9
0.7
Homeowner
75,565
100.0
30.2
18.5
2.9
39.8
7.2
0.8
0.7
Non-homeowner
37,750
100.0
24.2
26.2
3.1
31.0
14.0
1.0
0.5
Married couple
55,559
100.0
26.2
18.3
2.5
43.4
8.5
0.4
0.6
Unmarried
female-headed
family
12,882
100.0
25.8
26.4
4.2
30.0
12.4
0.7
0.5
Unmarried maleheaded family
5,245
100.0
28.4
26.8
2.9
28.1
12.6
0.3
0.8
Female individual
20,513
100.0
34.8
20.4
3.9
30.4
7.6
2.3
0.6
Male individual
18,902
100.0
28.5
24.4
2.5
31.9
11.1
0.9
0.7
NA
NA
NA
NA
NA
NA
NA
NA
NA
U.S.-born
97,632
100.0
27.5
20.8
3.1
37.3
9.7
0.9
0.6
Foreign-born
citizen
8,819
100.0
34.4
18.8
2.4
36.1
6.9
0.7
0.7
Foreign-born noncitizen
6,864
100.0
29.0
27.4
2.3
30.8
9.9
0.4
0.3
111,465
100.0
27.8
20.9
2.9
37.2
9.6
0.9
0.6
1,850
100.0
49.7
26.6
4.5
13.2
4.8
1.1
-
Metropolitan area
- principal city
31,227
100.0
24.6
23.2
2.7
36.9
11.1
0.8
0.7
Metropolitan area
- balance
49,508
100.0
24.9
20.6
2.9
40.8
9.5
0.7
0.7
Not in
metropolitan area
15,769
100.0
41.5
18.9
3.5
27.4
6.7
1.5
0.4
Not identified
16,811
100.0
31.9
20.2
3.2
34.0
8.9
1.2
0.6
Northeast
20,234
100.0
27.9
25.5
2.4
35.3
7.4
0.7
0.8
Midwest
24,989
100.0
31.2
19.1
3.1
35.8
9.1
1.1
0.6
South
42,053
100.0
29.7
20.1
3.4
35.5
10.0
1.0
0.4
West
26,038
100.0
23.0
20.8
2.6
41.3
10.7
0.7
1.0
Characteristics
Employment
status
Homeownership
Household type
Other
Nativity
Spanish only
language
spoken
Spanish is not
only language
spoken
Spanish is only
language spoken
Metropolitan
status
Geographic
region
44 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
B.4 Primary Method Used to Access Bank Accounts by Banking Status and Household Characteristics,
2015
For all banked households that accessed their account in the past 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)
Income was
about the same
each month
84,922
100.0
28.6
21.1
3.1
37.3
8.7
1.0
0.4
Income varied
somewhat from
month to month
18,800
100.0
25.3
20.5
2.8
37.4
13.0
0.5
0.6
Income varied a
lot from month to
month
4,963
100.0
30.2
19.1
2.5
33.7
13.0
0.5
1.1
Unknown
4,630
100.0
30.3
24.8
2.3
30.4
5.7
1.3
5.1
Characteristics
Monthly income
volatility
Excludes households with missing information on bank account access methods used. NA indicates that the sample size is too small to produce a precise
estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of
rounding.
45 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
B.5 Bank Teller as Primary Method Used to Access Bank Accounts by Banking Status and Household
Characteristics, 2013-2015
For all banked households that accessed their account in the past 12 months
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
32.2
28.2
(27.7, 28.6)
-4.1*
(-4.7, -3.4)
Banked: Underbanked
29.0
27.8
(26.7, 28.9)
-1.3
(-2.6, 0.1)
Banked: Fully banked
33.0
28.2
(27.6, 28.7)
-4.8*
(-5.6, -4.0)
Banked: Underbanked status unknown
38.8
31.5
(28.4, 34.6)
-7.4*
(-11.7, -3.1)
Less than $15,000
47.5
41.7
(40.2, 43.1)
-5.8*
(-8.1, -3.6)
$15,000 to $30,000
44.9
40.5
(39.2, 41.9)
-4.4*
(-6.4, -2.4)
$30,000 to $50,000
35.7
32.5
(31.3, 33.7)
-3.3*
(-4.8, -1.7)
$50,000 to $75,000
28.3
25.8
(24.8, 26.9)
-2.5*
(-3.9, -1.0)
At least $75,000
20.1
16.7
(16.1, 17.4)
-3.4*
(-4.3, -2.4)
No high school diploma
55.6
50.8
(48.9, 52.6)
-4.8*
(-7.3, -2.4)
High school diploma
41.8
38.2
(37.1, 39.3)
-3.6*
(-5.1, -2.2)
Some college
30.2
25.6
(24.7, 26.5)
-4.6*
(-5.9, -3.4)
College degree
21.0
17.9
(17.2, 18.7)
-3.1*
(-4.0, -2.1)
15 to 24 years
21.1
15.9
(14.1, 17.9)
-5.2*
(-7.9, -2.4)
25 to 34 years
17.0
14.3
(13.3, 15.3)
-2.8*
(-4.3, -1.3)
35 to 44 years
21.1
16.9
(15.9, 17.9)
-4.2*
(-5.6, -2.9)
45 to 54 years
26.7
22.9
(21.8, 24.0)
-3.8*
(-5.3, -2.3)
55 to 64 years
36.1
31.7
(30.5, 32.8)
-4.4*
(-5.9, -3.0)
65 years or more
54.6
48.7
(47.7, 49.8)
-5.9*
(-7.4, -4.4)
Black
33.1
30.1
(28.7, 31.6)
-3.0*
(-5.0, -1.0)
Hispanic
34.0
29.3
(27.8, 30.8)
-4.7*
(-6.9, -2.5)
Asian
29.7
25.5
(23.1, 28.1)
-4.2*
(-7.5, -0.8)
White
32.0
27.9
(27.4, 28.4)
-4.1*
(-4.8, -3.4)
Other
32.0
25.4
(22.1, 29.0)
-6.7*
(-11.9, -1.4)
Disabled, age 25 to 64
35.6
32.4
(30.7, 34.2)
-3.2*
(-5.3, -1.0)
Not disabled, age 25 to 64
24.5
20.6
(20.0, 21.1)
-3.9*
(-4.7, -3.2)
Not applicable (not age 25 to 64)
49.0
43.3
(42.4, 44.2)
-5.7*
(-7.1, -4.4)
Employed
24.7
20.6
(20.0, 21.1)
-4.1*
(-4.9, -3.3)
Unemployed
28.7
21.4
(18.7, 24.5)
-7.3*
(-10.9, -3.6)
Not in labor force
47.1
42.6
(41.7, 43.6)
-4.4*
(-5.7, -3.1)
Homeowner
34.1
30.2
(29.6, 30.7)
-3.9*
(-4.7, -3.1)
Non-homeowner
28.2
24.2
(23.3, 25.0)
-4.0*
(-5.3, -2.8)
Characteristics
All
Unbanked and underbanked
Family income
Education
Age group
Race/Ethnicity
Disability status
Employment status
Homeownership
46 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
B.5 Bank Teller as Primary Method Used to Access Bank Accounts by Banking Status and Household
Characteristics, 2013-2015
For all banked households that accessed their account in the past 12 months
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
Married couple
30.4
26.2
(25.6, 26.9)
-4.2*
(-5.1, -3.2)
Unmarried female-headed family
30.2
25.8
(24.4, 27.3)
-4.3*
(-6.2, -2.5)
Unmarried male-headed family
34.1
28.4
(26.2, 30.8)
-5.7*
(-8.8, -2.5)
Female individual
38.4
34.8
(33.6, 36.0)
-3.6*
(-5.4, -1.9)
Male individual
32.2
28.5
(27.3, 29.6)
-3.7*
(-5.5, -2.0)
Other
NA
NA
NA
NA
NA
U.S.-born
31.6
27.5
(27.0, 28.0)
-4.1*
(-4.8, -3.4)
Foreign-born citizen
37.0
34.4
(32.4, 36.4)
-2.6
(-5.3, 0.2)
Foreign-born non-citizen
35.1
29.0
(26.9, 31.1)
-6.2*
(-9.2, -3.1)
Spanish is not only language spoken
31.9
27.8
(27.3, 28.3)
-4.1*
(-4.7, -3.4)
Spanish is only language spoken
54.3
49.7
(45.4, 54.0)
-4.6
(-10.3, 1.2)
Metropolitan area - principal city
28.9
24.6
(23.7, 25.5)
-4.3*
(-5.7, -3.0)
Metropolitan area - balance
29.1
24.9
(24.3, 25.6)
-4.2*
(-5.2, -3.1)
Not in metropolitan area
44.9
41.5
(39.9, 43.1)
-3.3*
(-5.6, -1.1)
Not identified
34.0
31.9
(30.4, 33.4)
-2.2*
(-4.1, -0.3)
Northeast
32.9
27.9
(26.8, 29.1)
-5.0*
(-6.7, -3.4)
Midwest
35.6
31.2
(30.1, 32.3)
-4.4*
(-5.8, -3.0)
South
33.3
29.7
(28.8, 30.5)
-3.6*
(-4.9, -2.4)
West
26.4
23.0
(22.1, 24.0)
-3.4*
(-4.8, -2.0)
Characteristics
Household type
Nativity
Spanish only language spoken
Metropolitan status
Geographic region
Excludes households with missing information on bank account access methods used. * indicates differences that are statistically significant at the 10% level. NA
indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than
zero. Estimates do not always reconcile to totals because of rounding.
47 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
B.6 ATM/Kiosk as Primary Method Used to Access Bank Accounts by Banking Status and Household
Characteristics, 2013-2015
For all banked households that accessed their account in the past 12 months
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
24.4
21.0
(20.5, 21.5)
-3.4*
(-4.0, -2.7)
Banked: Underbanked
29.5
27.0
(26.0, 28.1)
-2.4*
(-3.9, -0.9)
Banked: Fully banked
23.0
19.2
(18.7, 19.7)
-3.8*
(-4.5, -3.1)
Banked: Underbanked status unknown
21.2
23.6
(21.0, 26.5)
2.4
(-1.6, 6.4)
Less than $15,000
27.1
25.6
(24.2, 27.0)
-1.5
(-3.4, 0.5)
$15,000 to $30,000
26.3
25.0
(23.8, 26.1)
-1.4
(-3.0, 0.3)
$30,000 to $50,000
26.3
23.8
(22.8, 24.8)
-2.5*
(-3.8, -1.1)
$50,000 to $75,000
24.0
19.6
(18.6, 20.6)
-4.4*
(-5.8, -3.0)
At least $75,000
21.4
16.9
(16.1, 17.6)
-4.5*
(-5.6, -3.5)
No high school diploma
26.9
26.4
(24.6, 28.3)
-0.5
(-3.1, 2.1)
High school diploma
27.5
24.4
(23.4, 25.3)
-3.1*
(-4.4, -1.8)
Some college
24.7
21.5
(20.8, 22.3)
-3.2*
(-4.3, -2.1)
College degree
21.1
17.0
(16.3, 17.7)
-4.1*
(-5.2, -3.1)
15 to 24 years
27.4
24.3
(22.1, 26.7)
-3.1
(-6.3, 0.1)
25 to 34 years
23.5
18.4
(17.4, 19.5)
-5.1*
(-6.6, -3.6)
35 to 44 years
24.5
19.7
(18.7, 20.7)
-4.8*
(-6.3, -3.2)
45 to 54 years
27.5
23.8
(22.7, 24.9)
-3.7*
(-5.2, -2.1)
55 to 64 years
25.9
22.8
(21.6, 23.9)
-3.2*
(-4.7, -1.6)
65 years or more
20.4
19.5
(18.6, 20.4)
-0.9
(-2.0, 0.3)
Black
31.6
28.2
(26.6, 29.8)
-3.4*
(-5.6, -1.2)
Hispanic
29.8
27.0
(25.4, 28.7)
-2.8*
(-5.2, -0.5)
Asian
21.6
18.4
(16.3, 20.6)
-3.2*
(-6.2, -0.2)
White
22.5
19.0
(18.4, 19.5)
-3.5*
(-4.2, -2.8)
Other
29.5
22.9
(19.7, 26.4)
-6.6*
(-11.7, -1.6)
29.3
27.7
(26.1, 29.4)
-1.6
(-3.9, 0.8)
Characteristics
All
Unbanked and underbanked
Family income
Education
Age group
Race/Ethnicity
Disability status
Disabled, age 25 to 64
Not disabled, age 25 to 64
25.0
20.5
(19.9, 21.1)
-4.5*
(-5.3, -3.7)
Not applicable (not age 25 to 64)
21.5
20.3
(19.5, 21.1)
-1.2*
(-2.3, -0.2)
Employed
24.8
20.2
(19.6, 20.8)
-4.6*
(-5.4, -3.8)
Unemployed
27.5
29.6
(26.4, 33.0)
2.1
(-1.9, 6.2)
Not in labor force
23.2
21.9
(21.1, 22.7)
-1.3*
(-2.3, -0.3)
Homeowner
22.0
18.5
(17.9, 19.0)
-3.6*
(-4.3, -2.9)
Non-homeowner
29.5
26.2
(25.2, 27.1)
-3.3*
(-4.5, -2.1)
Employment status
Homeownership
48 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
B.6 ATM/Kiosk as Primary Method Used to Access Bank Accounts by Banking Status and Household
Characteristics, 2013-2015
For all banked households that accessed their account in the past 12 months
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
Married couple
21.8
18.3
(17.7, 19.0)
-3.4*
(-4.3, -2.5)
Unmarried female-headed family
31.6
26.4
(25.0, 27.7)
-5.3*
(-7.1, -3.4)
Unmarried male-headed family
30.0
26.8
(24.5, 29.3)
-3.2
(-6.5, 0.0)
Female individual
22.5
20.4
(19.3, 21.5)
-2.1*
(-3.5, -0.8)
Male individual
28.0
24.4
(23.3, 25.6)
-3.5*
(-5.1, -2.0)
Other
NA
NA
NA
NA
NA
U.S.-born
24.1
20.8
(20.3, 21.3)
-3.3*
(-4.0, -2.6)
Foreign-born citizen
24.6
18.8
(17.2, 20.4)
-5.8*
(-8.3, -3.4)
Foreign-born non-citizen
28.2
27.4
(25.3, 29.6)
-0.8
(-3.8, 2.2)
Spanish is not only language spoken
24.3
20.9
(20.4, 21.4)
-3.4*
(-4.0, -2.7)
Spanish is only language spoken
28.5
26.6
(23.0, 30.6)
-1.9
(-7.4, 3.7)
Metropolitan area - principal city
26.8
23.2
(22.2, 24.2)
-3.6*
(-4.8, -2.3)
Metropolitan area - balance
23.6
20.6
(19.9, 21.3)
-3.0*
(-3.9, -2.1)
Not in metropolitan area
22.7
18.9
(17.7, 20.2)
-3.8*
(-5.5, -2.1)
Not identified
24.0
20.2
(19.0, 21.5)
-3.8*
(-5.3, -2.3)
Northeast
29.5
25.5
(24.4, 26.7)
-4.0*
(-5.6, -2.4)
Midwest
22.1
19.1
(18.2, 20.1)
-2.9*
(-4.1, -1.7)
South
23.2
20.1
(19.4, 20.9)
-3.1*
(-4.2, -2.0)
West
24.5
20.8
(19.9, 21.7)
-3.7*
(-5.1, -2.2)
Characteristics
Household type
Nativity
Spanish only language spoken
Metropolitan status
Geographic region
Excludes households with missing information on bank account access methods used. * indicates differences that are statistically significant at the 10% level. NA
indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than
zero. Estimates do not always reconcile to totals because of rounding.
49 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
B.7 Telephone Banking as Primary Method Used to Access Bank Accounts by Banking Status and
Household Characteristics, 2013-2015
For all banked households that accessed their account in the past 12 months
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
3.3
3.0
(2.8, 3.1)
-0.4*
(-0.6, -0.1)
Banked: Underbanked
4.6
3.9
(3.5, 4.4)
-0.6*
(-1.3, 0.0)
Banked: Fully banked
3.0
2.7
(2.5, 2.9)
-0.3*
(-0.5, 0.0)
Banked: Underbanked status unknown
2.8
2.8
(1.9, 4.1)
0.0
(-1.4, 1.4)
Less than $15,000
4.2
4.6
(4.0, 5.3)
0.4
(-0.4, 1.2)
$15,000 to $30,000
4.4
3.5
(3.0, 4.0)
-0.9*
(-1.6, -0.3)
$30,000 to $50,000
3.7
3.7
(3.3, 4.2)
0.0
(-0.6, 0.6)
$50,000 to $75,000
3.1
2.5
(2.2, 2.9)
-0.5*
(-1.0, 0.0)
At least $75,000
2.3
2.0
(1.8, 2.2)
-0.3
(-0.7, 0.0)
No high school diploma
4.0
4.2
(3.6, 4.9)
0.2
(-0.7, 1.1)
High school diploma
3.8
3.6
(3.3, 4.1)
-0.2
(-0.7, 0.3)
Some college
3.6
3.4
(3.1, 3.8)
-0.2
(-0.7, 0.3)
College degree
2.5
1.8
(1.6, 2.1)
-0.7*
(-1.0, -0.4)
15 to 24 years
2.9
2.1
(1.4, 3.1)
-0.8
(-2.0, 0.3)
25 to 34 years
3.1
2.1
(1.8, 2.6)
-0.9*
(-1.5, -0.4)
35 to 44 years
3.0
2.7
(2.3, 3.1)
-0.3
(-0.8, 0.2)
45 to 54 years
3.2
2.9
(2.5, 3.4)
-0.3
(-0.9, 0.3)
55 to 64 years
3.5
3.4
(3.0, 3.8)
-0.1
(-0.6, 0.5)
65 years or more
3.8
3.6
(3.2, 4.0)
-0.2
(-0.8, 0.4)
Black
4.8
4.1
(3.5, 4.8)
-0.6
(-1.5, 0.2)
Hispanic
3.6
3.2
(2.6, 3.9)
-0.4
(-1.3, 0.4)
Asian
1.5
1.7
(1.1, 2.7)
0.2
(-0.7, 1.1)
White
3.2
2.8
(2.6, 3.0)
-0.4*
(-0.6, -0.1)
Other
3.8
4.1
(2.6, 6.3)
0.3
(-2.2, 2.8)
Disabled, age 25 to 64
5.3
5.4
(4.6, 6.2)
0.1
(-1.0, 1.1)
Not disabled, age 25 to 64
2.9
2.5
(2.3, 2.7)
-0.4*
(-0.7, -0.2)
Not applicable (not age 25 to 64)
3.6
3.3
(3.0, 3.7)
-0.3
(-0.8, 0.2)
Employed
3.0
2.4
(2.2, 2.7)
-0.6*
(-0.9, -0.3)
Unemployed
3.6
1.9
(1.1, 3.2)
-1.7*
(-3.2, -0.3)
Not in labor force
3.9
4.0
(3.7, 4.3)
0.1
(-0.3, 0.6)
Homeowner
3.0
2.9
(2.7, 3.1)
-0.1
(-0.4, 0.2)
Non-homeowner
4.0
3.1
(2.8, 3.5)
-0.8*
(-1.3, -0.4)
Characteristics
All
Unbanked and underbanked
Family income
Education
Age group
Race/Ethnicity
Disability status
Employment status
Homeownership
50 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
B.7 Telephone Banking as Primary Method Used to Access Bank Accounts by Banking Status and
Household Characteristics, 2013-2015
For all banked households that accessed their account in the past 12 months
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
Married couple
2.7
2.5
(2.3, 2.7)
-0.2
(-0.5, 0.1)
Unmarried female-headed family
4.5
4.2
(3.7, 4.9)
-0.2
(-1.1, 0.6)
Unmarried male-headed family
2.6
2.9
(2.1, 3.9)
0.3
(-0.9, 1.4)
Female individual
4.9
3.9
(3.5, 4.4)
-1.0*
(-1.7, -0.3)
Male individual
2.8
2.5
(2.1, 2.9)
-0.4
(-1.0, 0.2)
Other
NA
NA
NA
NA
NA
U.S.-born
3.4
3.1
(2.9, 3.3)
-0.4*
(-0.6, -0.1)
Foreign-born citizen
2.8
2.4
(1.9, 3.1)
-0.4
(-1.2, 0.5)
Foreign-born non-citizen
2.4
2.3
(1.7, 3.1)
-0.1
(-1.1, 0.9)
Spanish is not only language spoken
3.3
2.9
(2.8, 3.1)
-0.4*
(-0.6, -0.1)
Spanish is only language spoken
3.5
4.5
(3.0, 6.8)
1.1
(-1.3, 3.4)
Metropolitan area - principal city
3.4
2.7
(2.4, 3.1)
-0.7*
(-1.2, -0.2)
Metropolitan area - balance
3.0
2.9
(2.6, 3.1)
-0.1
(-0.5, 0.3)
Not in metropolitan area
3.9
3.5
(3.1, 4.0)
-0.4
(-1.1, 0.3)
Not identified
3.4
3.2
(2.8, 3.7)
-0.2
(-0.9, 0.4)
Northeast
2.8
2.4
(2.1, 2.8)
-0.4
(-0.9, 0.2)
Midwest
3.1
3.1
(2.7, 3.5)
-0.1
(-0.6, 0.5)
South
3.9
3.4
(3.1, 3.7)
-0.5*
(-1.0, -0.1)
West
2.9
2.6
(2.2, 2.9)
-0.3
(-0.9, 0.2)
Characteristics
Household type
Nativity
Spanish only language spoken
Metropolitan status
Geographic region
Excludes households with missing information on bank account access methods used. * indicates differences that are statistically significant at the 10% level. NA
indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than
zero. Estimates do not always reconcile to totals because of rounding.
51 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
B.8 Online Banking as Primary Method Used to Access Bank Accounts by Banking Status and Household
Characteristics, 2013-2015
For all banked households that accessed their account in the past 12 months
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
32.9
36.9
(36.3, 37.4)
4.0*
(3.3, 4.7)
Banked: Underbanked
26.6
27.6
(26.6, 28.6)
1.0
(-0.4, 2.4)
Banked: Fully banked
35.1
39.9
(39.3, 40.5)
4.8*
(4.0, 5.6)
Banked: Underbanked status unknown
23.5
27.6
(24.9, 30.5)
4.0
(0.0, 8.1)
Less than $15,000
14.5
18.0
(16.7, 19.4)
3.5*
(1.7, 5.3)
$15,000 to $30,000
17.3
20.8
(19.7, 21.9)
3.5*
(2.0, 4.9)
$30,000 to $50,000
26.7
29.1
(28.0, 30.2)
2.4*
(0.9, 3.8)
$50,000 to $75,000
36.8
39.7
(38.5, 40.8)
2.8*
(1.4, 4.2)
At least $75,000
49.4
53.6
(52.6, 54.6)
4.2*
(3.0, 5.5)
No high school diploma
8.8
11.8
(10.6, 13.2)
3.0*
(1.5, 4.6)
High school diploma
21.0
24.5
(23.7, 25.3)
3.5*
(2.4, 4.7)
Some college
32.5
36.8
(35.8, 37.8)
4.2*
(3.0, 5.5)
College degree
48.0
51.5
(50.6, 52.5)
3.5*
(2.3, 4.7)
15 to 24 years
27.8
31.4
(28.9, 33.9)
3.6*
(0.2, 7.0)
25 to 34 years
42.5
42.6
(41.2, 44.0)
0.1
(-1.6, 1.8)
35 to 44 years
41.5
45.8
(44.5, 47.1)
4.3*
(2.5, 6.0)
45 to 54 years
37.7
42.0
(40.8, 43.1)
4.3*
(2.7, 5.9)
55 to 64 years
31.6
37.3
(36.0, 38.6)
5.7*
(4.1, 7.4)
65 years or more
17.8
23.8
(22.9, 24.6)
5.9*
(4.9, 7.0)
Black
21.3
25.1
(23.7, 26.5)
3.7*
(1.8, 5.7)
Hispanic
23.0
27.2
(25.5, 29.0)
4.2*
(2.1, 6.3)
Asian
40.2
44.4
(41.8, 47.0)
4.1*
(0.6, 7.7)
White
35.8
40.0
(39.4, 40.6)
4.2*
(3.4, 5.0)
Other
29.4
33.8
(29.6, 38.3)
4.4
(-1.5, 10.3)
Disabled, age 25 to 64
24.8
25.9
(24.3, 27.7)
1.1
(-1.0, 3.3)
Not disabled, age 25 to 64
39.7
43.8
(43.1, 44.5)
4.1*
(3.2, 5.0)
Not applicable (not age 25 to 64)
19.5
25.0
(24.2, 25.9)
5.5*
(4.5, 6.6)
Employed
38.9
43.3
(42.6, 43.9)
4.3*
(3.4, 5.2)
Unemployed
31.1
35.3
(32.4, 38.3)
4.2*
(0.4, 8.0)
Not in labor force
21.5
25.2
(24.4, 26.0)
3.7*
(2.8, 4.6)
Homeowner
35.4
39.8
(39.1, 40.4)
4.4*
(3.5, 5.2)
Non-homeowner
27.4
31.0
(30.2, 31.9)
3.6*
(2.4, 4.8)
Characteristics
All
Unbanked and underbanked
Family income
Education
Age group
Race/Ethnicity
Disability status
Employment status
Homeownership
52 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
B.8 Online Banking as Primary Method Used to Access Bank Accounts by Banking Status and Household
Characteristics, 2013-2015
For all banked households that accessed their account in the past 12 months
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
Married couple
39.1
43.4
(42.6, 44.2)
4.3*
(3.3, 5.3)
Unmarried female-headed family
24.9
30.0
(28.6, 31.5)
5.0*
(2.9, 7.1)
Unmarried male-headed family
23.3
28.1
(25.9, 30.4)
4.8*
(1.5, 8.1)
Female individual
26.7
30.4
(29.3, 31.5)
3.7*
(2.0, 5.3)
Male individual
28.4
31.9
(30.7, 33.1)
3.5*
(1.6, 5.3)
Other
NA
NA
NA
NA
NA
U.S.-born
33.6
37.3
(36.8, 37.9)
3.8*
(3.0, 4.5)
Foreign-born citizen
30.0
36.1
(34.2, 38.1)
6.2*
(3.7, 8.7)
Foreign-born non-citizen
26.0
30.8
(28.6, 33.1)
4.8*
(1.9, 7.7)
Spanish is not only language spoken
33.2
37.2
(36.7, 37.8)
4.0*
(3.3, 4.7)
Spanish is only language spoken
8.6
13.2
(10.5, 16.4)
4.6*
(1.0, 8.1)
Metropolitan area - principal city
32.9
36.9
(35.9, 38.0)
4.1*
(2.6, 5.5)
Metropolitan area - balance
37.0
40.8
(40.0, 41.6)
3.8*
(2.6, 4.9)
Not in metropolitan area
23.2
27.4
(25.9, 29.0)
4.2*
(2.3, 6.2)
Not identified
31.1
34.0
(32.7, 35.3)
2.8*
(1.1, 4.5)
Northeast
29.4
35.3
(34.0, 36.5)
5.8*
(4.2, 7.4)
Midwest
33.1
35.8
(34.8, 36.8)
2.7*
(1.2, 4.1)
South
31.4
35.5
(34.7, 36.3)
4.1*
(3.0, 5.2)
West
37.9
41.3
(40.1, 42.6)
3.4*
(1.8, 5.1)
Characteristics
Household type
Nativity
Spanish only language spoken
Metropolitan status
Geographic region
Excludes households with missing information on bank account access methods used. * indicates differences that are statistically significant at the 10% level. NA
indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than
zero. Estimates do not always reconcile to totals because of rounding.
53 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
B.9 M
obile Banking as Primary Method Used to Access Bank Accounts by Banking Status and
Household Characteristics, 2013-2015
For all banked households that accessed their account in the past 12 months
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
5.7
9.5
(9.2, 9.8)
3.8*
(3.4, 4.2)
Banked: Underbanked
9.5
12.6
(11.8, 13.4)
3.1*
(2.1, 4.2)
Banked: Fully banked
4.7
8.7
(8.3, 9.0)
4.0*
(3.5, 4.4)
Banked: Underbanked status unknown
2.7
6.1
(4.6, 8.0)
3.4*
(1.2, 5.5)
Less than $15,000
4.0
7.1
(6.3, 8.0)
3.0*
(2.0, 4.1)
$15,000 to $30,000
5.3
8.1
(7.3, 8.9)
2.7*
(1.8, 3.7)
$30,000 to $50,000
6.3
9.7
(9.0, 10.5)
3.4*
(2.4, 4.3)
$50,000 to $75,000
6.4
11.3
(10.6, 12.1)
4.9*
(3.9, 5.9)
At least $75,000
5.7
9.7
(9.2, 10.3)
4.0*
(3.4, 4.7)
No high school diploma
2.4
4.0
(3.3, 5.0)
1.6*
(0.6, 2.6)
High school diploma
4.3
7.5
(6.9, 8.1)
3.2*
(2.5, 3.8)
Some college
7.4
11.6
(11.0, 12.2)
4.2*
(3.5, 5.0)
College degree
6.2
10.4
(9.9, 10.9)
4.2*
(3.6, 4.9)
15 to 24 years
20.3
25.0
(22.8, 27.4)
4.7*
(1.8, 7.6)
25 to 34 years
13.2
21.9
(20.7, 23.1)
8.7*
(7.2, 10.2)
35 to 44 years
8.9
14.3
(13.4, 15.2)
5.4*
(4.3, 6.5)
45 to 54 years
3.7
7.6
(6.9, 8.3)
3.8*
(3.0, 4.7)
55 to 64 years
1.4
3.4
(2.9, 3.8)
2.0*
(1.5, 2.5)
65 years or more
0.6
1.2
(1.0, 1.5)
0.6*
(0.3, 0.9)
Black
7.8
11.3
(10.2, 12.5)
3.5*
(2.1, 4.9)
Hispanic
8.3
12.6
(11.5, 13.7)
4.3*
(2.9, 5.7)
Asian
5.7
9.0
(7.5, 10.7)
3.3*
(1.4, 5.2)
White
5.0
8.6
(8.3, 9.0)
3.6*
(3.2, 4.0)
Other
3.7
12.5
(9.5, 16.3)
8.8*
(5.0, 12.6)
Disabled, age 25 to 64
2.7
6.6
(5.6, 7.6)
3.9*
(2.7, 5.1)
Not disabled, age 25 to 64
6.9
11.9
(11.4, 12.3)
5.0*
(4.5, 5.5)
Not applicable (not age 25 to 64)
3.9
5.2
(4.7, 5.7)
1.3*
(0.7, 1.9)
Employed
7.5
12.5
(12.1, 13.0)
5.0*
(4.5, 5.6)
Unemployed
8.3
11.4
(9.5, 13.7)
3.1*
(0.5, 5.7)
Not in labor force
2.0
3.7
(3.3, 4.1)
1.7*
(1.2, 2.1)
Homeowner
3.9
7.2
(6.9, 7.6)
3.3*
(2.9, 3.7)
Non-homeowner
9.6
14.0
(13.3, 14.7)
4.4*
(3.5, 5.3)
Characteristics
All
Unbanked and underbanked
Family income
Education
Age group
Race/Ethnicity
Disability status
Employment status
Homeownership
54 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
B.9 M
obile Banking as Primary Method Used to Access Bank Accounts by Banking Status and
Household Characteristics, 2013-2015
For all banked households that accessed their account in the past 12 months
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
Married couple
4.8
8.5
(8.1, 8.9)
3.7*
(3.1, 4.2)
Unmarried female-headed family
7.5
12.4
(11.3, 13.6)
4.9*
(3.6, 6.2)
Unmarried male-headed family
8.8
12.6
(10.9, 14.5)
3.8*
(1.6, 6.0)
Female individual
5.1
7.6
(6.9, 8.4)
2.5*
(1.6, 3.5)
Male individual
7.0
11.1
(10.3, 12.0)
4.2*
(3.1, 5.2)
Other
NA
NA
NA
NA
NA
U.S.-born
5.8
9.7
(9.3, 10.0)
3.9*
(3.5, 4.3)
Foreign-born citizen
4.1
6.9
(5.9, 8.1)
2.8*
(1.4, 4.2)
Foreign-born non-citizen
6.9
9.9
(8.5, 11.5)
3.0*
(1.2, 4.8)
Spanish is not only language spoken
5.8
9.6
(9.2, 9.9)
3.8*
(3.4, 4.2)
Spanish is only language spoken
3.5
4.8
(3.3, 7.0)
1.3
(-1.1, 3.8)
Metropolitan area - principal city
6.8
11.1
(10.4, 11.8)
4.3*
(3.4, 5.1)
Metropolitan area - balance
6.0
9.5
(9.0, 10.1)
3.5*
(2.9, 4.2)
Not in metropolitan area
3.2
6.7
(6.0, 7.5)
3.5*
(2.7, 4.4)
Not identified
5.5
8.9
(8.2, 9.7)
3.4*
(2.5, 4.2)
Northeast
3.9
7.4
(6.7, 8.2)
3.5*
(2.7, 4.4)
Midwest
4.4
9.1
(8.5, 9.7)
4.6*
(3.9, 5.4)
South
6.7
10.0
(9.4, 10.5)
3.2*
(2.5, 3.9)
West
6.7
10.7
(10.0, 11.4)
3.9*
(3.0, 4.8)
Characteristics
Household type
Nativity
Spanish only language spoken
Metropolitan status
Geographic region
Excludes households with missing information on bank account access methods used. * indicates differences that are statistically significant at the 10% level. NA
indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than
zero. Estimates do not always reconcile to totals because of rounding.
55 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
B.10 U
se of Bank Tellers by Banking Status and Household Characteristics, 2015
For all banked households that accessed their account in the past 12 months, row percent
Number of
Households
(1000s)
Percent of
Households
Bank teller only
(Percent)
Bank teller and
other methods
used (Percent)
No bank teller but
other methods
used (Percent)
113,315
100.0
14.6
60.9
24.5
Banked: Underbanked
25,056
100.0
12.8
64.2
23.0
Banked: Fully banked
85,351
100.0
15.0
60.2
24.8
Banked: Underbanked status unknown
2,908
100.0
19.3
53.7
27.0
Less than $15,000
12,473
100.0
27.4
44.3
28.3
$15,000 to $30,000
17,896
100.0
24.7
52.5
22.8
$30,000 to $50,000
22,958
100.0
16.8
59.8
23.4
$50,000 to $75,000
21,739
100.0
11.5
65.0
23.5
At least $75,000
38,248
100.0
6.2
68.6
25.2
No high school diploma
9,844
100.0
33.6
42.4
24.0
High school diploma
28,451
100.0
21.9
54.6
23.5
Some college
34,062
100.0
12.1
63.1
24.8
College degree
40,958
100.0
7.0
68.0
25.0
15 to 24 years
5,506
100.0
5.8
60.3
33.9
25 to 34 years
18,235
100.0
6.1
61.0
32.9
35 to 44 years
18,929
100.0
7.3
64.6
28.0
Characteristics
All
Unbanked and underbanked
Family income
Education
Age group
45 to 54 years
21,237
100.0
9.6
67.2
23.3
55 to 64 years
21,676
100.0
14.8
64.0
21.1
65 years or more
27,732
100.0
30.6
51.2
18.1
Black
13,905
100.0
15.5
58.7
25.8
Hispanic
12,835
100.0
16.0
54.5
29.6
Asian
5,711
100.0
12.7
59.5
27.8
White
79,378
100.0
14.4
62.4
23.2
Other
1,485
100.0
13.6
62.1
24.3
Disabled, age 25 to 64
8,975
100.0
17.9
57.6
24.5
Not disabled, age 25 to 64
71,102
100.0
8.6
65.2
26.2
Not applicable (not age 25 to 64)
33,238
100.0
26.5
52.7
20.8
Employed
71,556
100.0
8.7
65.0
26.3
Unemployed
2,856
100.0
8.7
67.0
24.4
Not in labor force
38,904
100.0
26.0
52.9
21.1
Homeowner
75,565
100.0
15.4
63.0
21.7
Non-homeowner
37,750
100.0
13.1
56.8
30.1
Race/Ethnicity
Disability status
Employment status
Homeownership
56 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
B.10 U
se of Bank Tellers by Banking Status and Household Characteristics, 2015
For all banked households that accessed their account in the past 12 months, row percent
Number of
Households
(1000s)
Percent of
Households
Bank teller only
(Percent)
Bank teller and
other methods
used (Percent)
No bank teller but
other methods
used (Percent)
Married couple
55,559
100.0
11.8
66.6
21.6
Unmarried female-headed family
12,882
100.0
11.6
61.0
27.4
Unmarried male-headed family
5,245
100.0
11.8
61.6
26.7
Female individual
20,513
100.0
22.5
51.1
26.4
Male individual
18,902
100.0
17.2
54.6
28.2
NA
NA
NA
NA
NA
U.S.-born
97,632
100.0
14.1
61.6
24.2
Foreign-born citizen
8,819
100.0
19.1
57.5
23.4
Foreign-born non-citizen
6,864
100.0
15.6
54.9
29.5
111,465
100.0
14.3
61.2
24.5
1,850
100.0
32.5
44.5
23.0
Metropolitan area - principal city
31,227
100.0
12.2
60.4
27.3
Metropolitan area - balance
49,508
100.0
12.4
62.5
25.2
Not in metropolitan area
15,769
100.0
23.8
56.5
19.6
Not identified
16,811
100.0
17.0
61.3
21.6
Characteristics
Household type
Other
Nativity
Spanish only language spoken
Spanish is not only language spoken
Spanish is only language spoken
Metropolitan status
Geographic region
Northeast
20,234
100.0
13.8
62.1
24.1
Midwest
24,989
100.0
16.9
60.7
22.4
South
42,053
100.0
16.1
58.9
25.0
West
26,038
100.0
10.6
63.5
25.9
Income was about the same each month
84,922
100.0
15.6
59.1
25.2
Income varied somewhat from month to
month
18,800
100.0
10.2
67.9
22.0
Income varied a lot from month to month
4,963
100.0
11.5
70.3
18.2
Unknown
4,630
100.0
17.5
55.0
27.5
Monthly income volatility
Excludes households with missing information on bank account access methods used. NA indicates that the sample size is too small to produce a precise
estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of
rounding.
57 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
B.11 I nternet Access at Home by Banking Status and Household Characteristics, 2015
For all households, row percent
Number of
Households
(1000s)
Percent of
Households
Has access
(Percent)
Does not have
access (Percent)
Unknown
(Percent)
127,538
100.0
72.0
21.0
7.0
Unbanked
8,969
100.0
27.7
60.3
12.1
Banked: Underbanked
25,423
100.0
72.8
24.9
2.3
Banked: Fully banked
86,736
100.0
80.6
17.2
2.2
Banked: Underbanked status unknown
6,410
100.0
14.3
2.6
83.2
Less than $15,000
18,046
100.0
40.3
51.0
8.6
$15,000 to $30,000
21,392
100.0
54.9
37.1
8.0
$30,000 to $50,000
25,336
100.0
71.3
21.7
7.0
$50,000 to $75,000
23,003
100.0
82.4
11.2
6.4
At least $75,000
39,761
100.0
90.0
4.1
6.0
No high school diploma
13,802
100.0
37.3
54.1
8.6
High school diploma
33,239
100.0
61.5
30.9
7.6
Some college
37,512
100.0
76.6
17.0
6.5
College degree
42,985
100.0
87.2
6.4
6.4
15 to 24 years
6,648
100.0
73.6
19.6
6.9
25 to 34 years
21,005
100.0
76.9
17.1
5.9
Characteristics
All
Unbanked and underbanked
Family income
Education
Age group
35 to 44 years
21,640
100.0
78.1
14.5
7.4
45 to 54 years
23,773
100.0
76.9
16.1
7.0
55 to 64 years
23,981
100.0
73.6
20.0
6.4
65 years or more
30,491
100.0
58.8
33.4
7.8
Black
17,961
100.0
57.5
33.4
9.1
Hispanic
16,106
100.0
61.2
29.7
9.1
Asian
6,275
100.0
79.9
12.3
7.8
White
85,428
100.0
76.6
17.3
6.1
Other
1,768
100.0
67.6
27.1
5.4
Disabled, age 25 to 64
11,497
100.0
55.4
37.5
7.1
Not disabled, age 25 to 64
78,902
100.0
79.4
14.0
6.6
Not applicable (not age 25 to 64)
37,139
100.0
61.5
30.9
7.6
Employed
78,152
100.0
79.8
13.6
6.6
Unemployed
3,869
100.0
66.2
26.5
7.3
Not in labor force
45,517
100.0
59.0
33.4
7.6
Race/Ethnicity
Disability status
Employment status
58 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
B.11 I nternet Access at Home by Banking Status and Household Characteristics, 2015
For all households, row percent
Number of
Households
(1000s)
Percent of
Households
Has access
(Percent)
Does not have
access (Percent)
Unknown
(Percent)
Homeowner
80,685
100.0
77.7
15.8
6.5
Non-homeowner
46,853
100.0
62.1
30.1
7.8
Married couple
59,549
100.0
82.5
11.4
6.1
Unmarried female-headed family
15,998
100.0
66.0
26.4
7.7
Unmarried male-headed family
6,143
100.0
69.6
23.0
7.5
Female individual
23,474
100.0
59.2
33.2
7.6
Male individual
22,100
100.0
62.3
29.8
7.9
NA
NA
NA
NA
NA
108,671
100.0
73.0
20.4
6.6
Foreign-born citizen
9,728
100.0
71.3
20.3
8.4
Foreign-born non-citizen
9,140
100.0
60.6
29.8
9.6
124,675
100.0
72.7
20.4
6.8
2,863
100.0
39.7
47.3
13.0
Metropolitan area - principal city
36,531
100.0
69.9
22.1
8.0
Metropolitan area - balance
54,619
100.0
76.6
16.4
7.0
Characteristics
Homeownership
Household type
Other
Nativity
U.S.-born
Spanish only language spoken
Spanish is not only language spoken
Spanish is only language spoken
Metropolitan status
Not in metropolitan area
17,895
100.0
63.6
31.1
5.3
Not identified
18,494
100.0
70.8
22.9
6.3
Northeast
22,699
100.0
73.1
18.4
8.5
Midwest
27,625
100.0
73.0
21.0
6.1
South
48,382
100.0
68.8
24.6
6.6
West
28,832
100.0
75.4
17.3
7.3
Income was about the same each month
91,549
100.0
76.4
23.1
0.5
Income varied somewhat from month to
month
20,839
100.0
80.5
19.1
0.4
Income varied a lot from month to month
5,781
100.0
74.5
25.1
0.5
Unknown
9,370
100.0
8.3
2.5
89.2
Geographic region
Monthly income volatility
NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than
zero. Estimates do not always reconcile to totals because of rounding.
59 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
B.12 Mobile Phone Access by Banking Status and Household Characteristics, 2015
For all households, row percent
Number of
Households
(1000s)
Percent of
Households
Has mobile phone
(Percent)
Does not have
mobile phone
(Percent)
Unknown
(Percent)
127,538
100.0
84.2
9.0
6.8
Unbanked
8,969
100.0
69.0
19.1
11.9
Banked: Underbanked
25,423
100.0
91.4
6.6
2.0
Banked: Fully banked
86,736
100.0
88.6
9.3
2.1
Banked: Underbanked status unknown
6,410
100.0
16.7
1.8
81.6
Less than $15,000
18,046
100.0
72.3
19.1
8.6
$15,000 to $30,000
21,392
100.0
77.7
14.6
7.7
$30,000 to $50,000
25,336
100.0
84.7
8.8
6.6
$50,000 to $75,000
23,003
100.0
87.3
6.4
6.3
At least $75,000
39,761
100.0
90.9
3.2
5.9
No high school diploma
13,802
100.0
71.1
20.9
8.1
High school diploma
33,239
100.0
80.8
11.8
7.4
Some college
37,512
100.0
86.3
7.4
6.3
College degree
42,985
100.0
89.1
4.6
6.3
15 to 24 years
6,648
100.0
88.2
5.6
6.2
25 to 34 years
21,005
100.0
89.8
4.4
5.8
Characteristics
All
Unbanked and underbanked
Family income
Education
Age group
35 to 44 years
21,640
100.0
87.9
4.8
7.3
45 to 54 years
23,773
100.0
87.6
5.7
6.7
55 to 64 years
23,981
100.0
84.8
8.9
6.2
65 years or more
30,491
100.0
73.6
18.7
7.7
Black
17,961
100.0
80.7
10.4
8.9
Hispanic
16,106
100.0
81.3
10.0
8.8
Asian
6,275
100.0
84.7
7.6
7.7
White
85,428
100.0
85.3
8.7
5.9
Other
1,768
100.0
88.7
6.7
4.6
Disabled, age 25 to 64
11,497
100.0
79.8
13.2
7.0
Not disabled, age 25 to 64
78,902
100.0
88.6
5.0
6.4
Not applicable (not age 25 to 64)
37,139
100.0
76.2
16.4
7.5
Employed
78,152
100.0
89.1
4.5
6.4
Unemployed
3,869
100.0
87.6
6.0
6.4
Not in labor force
45,517
100.0
75.4
17.0
7.6
Race/Ethnicity
Disability status
Employment status
60 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
B.12 Mobile Phone Access by Banking Status and Household Characteristics, 2015
For all households, row percent
Number of
Households
(1000s)
Percent of
Households
Has mobile phone
(Percent)
Does not have
mobile phone
(Percent)
Unknown
(Percent)
Homeowner
80,685
100.0
85.2
8.4
6.4
Non-homeowner
46,853
100.0
82.3
10.2
7.5
Married couple
59,549
100.0
87.8
6.2
6.0
Unmarried female-headed family
15,998
100.0
84.9
7.8
7.3
Unmarried male-headed family
6,143
100.0
85.4
7.4
7.2
Female individual
23,474
100.0
76.7
15.8
7.5
Male individual
22,100
100.0
81.4
11.0
7.6
NA
NA
NA
NA
NA
108,671
100.0
84.7
8.9
6.4
Foreign-born citizen
9,728
100.0
81.9
9.7
8.4
Foreign-born non-citizen
9,140
100.0
80.6
10.0
9.3
124,675
100.0
84.4
8.9
6.7
2,863
100.0
73.1
14.7
12.2
Metropolitan area - principal city
36,531
100.0
83.9
8.4
7.7
Metropolitan area - balance
54,619
100.0
85.0
8.1
6.9
Characteristics
Homeownership
Household type
Other
Nativity
U.S.-born
Spanish only language spoken
Spanish is not only language spoken
Spanish is only language spoken
Metropolitan status
Not in metropolitan area
17,895
100.0
82.2
12.5
5.4
Not identified
18,494
100.0
84.2
9.8
6.0
Northeast
22,699
100.0
81.6
10.2
8.2
Midwest
27,625
100.0
85.0
9.0
6.0
South
48,382
100.0
84.7
8.9
6.4
West
28,832
100.0
84.4
8.5
7.1
Income was about the same each month
91,549
100.0
89.0
10.6
0.4
Income varied somewhat from month to
month
20,839
100.0
93.7
6.1
0.2
Income varied a lot from month to month
5,781
100.0
93.3
6.4
0.3
Unknown
9,370
100.0
10.1
1.7
88.2
Geographic region
Monthly income volatility
NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than
zero. Estimates do not always reconcile to totals because of rounding.
61 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
B.13 Smartphone Access by Banking Status and Household Characteristics, 2015
For all households, row percent
Number of
Households
(1000s)
Percent of
Households
Smartphone
(Percent)
Nonsmartphone
(Percent)
No mobile
phone
(Percent)
Unknown
(Percent)
127,538
100.0
67.1
16.7
9.0
7.2
Unbanked
8,969
100.0
42.9
25.5
19.1
12.5
Banked: Underbanked
25,423
100.0
75.5
15.5
6.6
2.4
Banked: Fully banked
86,736
100.0
71.1
17.2
9.3
2.4
Banked: Underbanked
status unknown
6,410
100.0
13.3
2.0
1.8
82.9
Characteristics
All
Unbanked and
underbanked
Family income
Less than $15,000
18,046
100.0
43.9
28.1
19.1
9.0
$15,000 to $30,000
21,392
100.0
50.6
26.4
14.6
8.3
$30,000 to $50,000
25,336
100.0
64.6
19.5
8.8
7.1
$50,000 to $75,000
23,003
100.0
73.9
13.1
6.4
6.6
At least $75,000
39,761
100.0
84.1
6.6
3.2
6.1
No high school diploma
13,802
100.0
41.4
29.0
20.9
8.8
High school diploma
33,239
100.0
57.6
22.8
11.8
7.8
Some college
37,512
100.0
70.5
15.5
7.4
6.7
College degree
42,985
100.0
79.7
9.1
4.6
6.6
15 to 24 years
6,648
100.0
82.5
5.1
5.6
6.8
25 to 34 years
21,005
100.0
84.0
5.6
4.4
6.0
35 to 44 years
21,640
100.0
80.9
6.9
4.8
7.5
45 to 54 years
23,773
100.0
75.4
11.8
5.7
7.1
55 to 64 years
23,981
100.0
63.9
20.4
8.9
6.7
65 years or more
30,491
100.0
38.2
34.8
18.7
8.3
Black
17,961
100.0
63.5
16.8
10.4
9.2
Hispanic
16,106
100.0
66.3
14.3
10.0
9.4
Asian
6,275
100.0
75.4
8.9
7.6
8.1
White
85,428
100.0
67.3
17.6
8.7
6.3
Other
1,768
100.0
69.3
18.9
6.7
5.2
Disabled, age 25 to 64
11,497
100.0
54.3
25.1
13.2
7.4
Not disabled, age 25 to 64
78,902
100.0
78.8
9.5
5.0
6.8
Not applicable (not age 25
to 64)
37,139
100.0
46.2
29.5
16.4
8.0
Employed
78,152
100.0
79.6
9.2
4.5
6.7
Unemployed
3,869
100.0
70.5
16.9
6.0
6.6
Not in labor force
45,517
100.0
45.4
29.5
17.0
8.1
Education
Age group
Race/Ethnicity
Disability status
Employment status
62 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
B.13 Smartphone Access by Banking Status and Household Characteristics, 2015
For all households, row percent
Number of
Households
(1000s)
Percent of
Households
Smartphone
(Percent)
Nonsmartphone
(Percent)
No mobile
phone
(Percent)
Unknown
(Percent)
Homeowner
80,685
100.0
67.8
17.1
8.4
6.8
Non-homeowner
46,853
100.0
65.9
16.0
10.2
7.9
Married couple
59,549
100.0
74.0
13.5
6.2
6.3
Unmarried female-headed
family
15,998
100.0
71.2
13.1
7.8
8.0
Unmarried male-headed
family
6,143
100.0
73.1
11.9
7.4
7.6
Female individual
23,474
100.0
50.8
25.5
15.8
7.9
Male individual
22,100
100.0
61.0
20.1
11.0
7.9
NA
NA
NA
NA
NA
NA
108,671
100.0
67.2
17.0
8.9
6.8
Foreign-born citizen
9,728
100.0
65.9
15.6
9.7
8.8
Foreign-born non-citizen
9,140
100.0
66.5
13.7
10.0
9.8
124,675
100.0
67.5
16.5
8.9
7.0
2,863
100.0
46.9
25.3
14.7
13.1
Metropolitan area - principal
city
36,531
100.0
69.1
14.3
8.4
8.2
Metropolitan area - balance
54,619
100.0
70.3
14.4
8.1
7.2
Not in metropolitan area
17,895
100.0
56.7
25.0
12.5
5.9
Not identified
18,494
100.0
63.6
20.2
9.8
6.3
Northeast
22,699
100.0
64.0
17.1
10.2
8.7
Midwest
27,625
100.0
66.5
18.1
9.0
6.3
South
48,382
100.0
67.1
17.3
8.9
6.8
West
28,832
100.0
70.0
14.0
8.5
7.4
Income was about the same
each month
91,549
100.0
69.2
19.5
10.6
0.7
Income varied somewhat
from month to month
20,839
100.0
81.7
11.7
6.1
0.5
Income varied a lot from
month to month
5,781
100.0
77.6
15.5
6.4
0.4
Unknown
9,370
100.0
7.2
1.6
1.7
89.6
Characteristics
Homeownership
Household type
Other
Nativity
U.S.-born
Spanish only language
spoken
Spanish is not only language
spoken
Spanish is only language
spoken
Metropolitan status
Geographic region
Monthly income volatility
NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than
zero. Estimates do not always reconcile to totals because of rounding.
63 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
B.14 M
obile Phone Access by Banking Status and Household Characteristics, 2013-2015
For all households
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
82.7
84.2
(83.7, 84.6)
1.5*
(0.9, 2.0)
Unbanked
68.1
69.0
(66.9, 71.0)
0.9
(-1.7, 3.6)
Banked: Underbanked
90.5
91.4
(90.7, 92.0)
0.9
(-0.1, 1.9)
Banked: Fully banked
86.8
88.6
(88.2, 89.0)
1.8*
(1.2, 2.3)
Banked: Underbanked status
unknown
22.0
16.7
(14.9, 18.7)
-5.3*
(-8.0, -2.5)
Less than $15,000
69.2
72.3
(70.9, 73.7)
3.1*
(1.3, 4.9)
$15,000 to $30,000
74.4
77.7
(76.6, 78.6)
3.3*
(1.9, 4.7)
$30,000 to $50,000
82.3
84.7
(83.9, 85.4)
2.4*
(1.3, 3.5)
$50,000 to $75,000
88.3
87.3
(86.5, 88.1)
-1.0
(-2.1, 0.2)
At least $75,000
91.6
90.9
(90.3, 91.5)
-0.7
(-1.5, 0.0)
67.0
71.1
(69.5, 72.6)
4.0*
(1.9, 6.2)
Characteristics
All
Unbanked and underbanked
Family income
Education
No high school diploma
High school diploma
78.2
80.8
(80.0, 81.7)
2.6*
(1.4, 3.9)
Some college
85.4
86.3
(85.6, 87.0)
0.9
(0.0, 1.9)
College degree
89.5
89.1
(88.5, 89.7)
-0.4
(-1.1, 0.4)
15 to 24 years
88.9
88.2
(86.3, 89.8)
-0.8
(-3.0, 1.5)
25 to 34 years
89.9
89.8
(89.0, 90.6)
0.0
(-1.1, 1.0)
35 to 44 years
89.1
87.9
(87.0, 88.8)
-1.1*
(-2.2, 0.0)
45 to 54 years
86.6
87.6
(86.8, 88.3)
0.9
(-0.2, 2.1)
55 to 64 years
83.5
84.8
(83.9, 85.7)
1.3*
(0.2, 2.5)
65 years or more
67.3
73.6
(72.7, 74.4)
6.3*
(5.0, 7.5)
Black
79.1
80.7
(79.4, 81.9)
1.6
(-0.2, 3.4)
Hispanic
80.0
81.3
(80.0, 82.5)
1.3
(-0.5, 3.0)
Asian
86.4
84.7
(82.8, 86.4)
-1.7
(-4.0, 0.6)
White
83.7
85.3
(84.9, 85.7)
1.6*
(1.1, 2.2)
Other
81.1
88.7
(86.0, 90.9)
7.6*
(3.9, 11.2)
Disabled, age 25 to 64
78.2
79.8
(78.3, 81.4)
1.7
(-0.4, 3.8)
Not disabled, age 25 to 64
88.4
88.6
(88.1, 89.0)
0.2
(-0.5, 0.8)
Not applicable (not age 25 to 64)
71.2
76.2
(75.4, 76.9)
5.0*
(3.9, 6.0)
Employed
89.0
89.1
(88.6, 89.6)
0.1
(-0.6, 0.7)
Unemployed
85.0
87.6
(85.8, 89.2)
2.6*
(0.1, 5.0)
Not in labor force
71.2
75.4
(74.7, 76.1)
4.2*
(3.1, 5.2)
Age group
Race/Ethnicity
Disability status
Employment status
64 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
B.14 M
obile Phone Access by Banking Status and Household Characteristics, 2013-2015
For all households
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
Homeowner
83.5
85.2
(84.7, 85.8)
1.7*
(1.0, 2.4)
Non-homeowner
81.2
82.3
(81.6, 83.0)
1.2*
(0.2, 2.1)
Married couple
86.8
87.8
(87.2, 88.4)
1.0*
(0.3, 1.8)
Unmarried female-headed family
84.2
84.9
(83.8, 85.9)
0.7
(-0.7, 2.1)
Unmarried male-headed family
84.3
85.4
(83.5, 87.1)
1.1
(-1.2, 3.3)
Female individual
73.2
76.7
(75.8, 77.6)
3.5*
(2.2, 4.8)
Male individual
79.5
81.4
(80.4, 82.4)
1.9*
(0.7, 3.2)
Other
NA
NA
NA
NA
NA
U.S.-born
83.1
84.7
(84.2, 85.1)
1.5*
(1.0, 2.1)
Foreign-born citizen
80.8
81.9
(80.2, 83.4)
1.1
(-1.0, 3.1)
Foreign-born non-citizen
79.2
80.6
(78.9, 82.2)
1.4
(-0.9, 3.8)
Spanish is not only language spoken
83.0
84.4
(84.0, 84.8)
1.5*
(0.9, 2.0)
Spanish is only language spoken
70.2
73.1
(69.4, 76.5)
2.8
(-1.8, 7.5)
Metropolitan area - principal city
82.3
83.9
(83.0, 84.7)
1.6*
(0.4, 2.7)
Metropolitan area - balance
84.6
85.0
(84.4, 85.7)
0.4
(-0.4, 1.2)
Characteristics
Homeownership
Household type
Nativity
Spanish only language spoken
Metropolitan status
Not in metropolitan area
78.2
82.2
(81.1, 83.2)
3.9*
(2.1, 5.7)
Not identified
82.8
84.2
(83.0, 85.2)
1.4
(-0.2, 3.0)
Northeast
81.4
81.6
(80.5, 82.7)
0.3
(-1.2, 1.7)
Midwest
82.7
85.0
(84.1, 85.8)
2.2*
(1.0, 3.5)
South
82.9
84.7
(84.1, 85.4)
1.9*
(0.9, 2.8)
West
83.4
84.4
(83.6, 85.2)
1.0
(-0.1, 2.1)
Geographic region
* indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an
estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
65 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
B.15 S
martphone Access by Banking Status and Household Characteristics, 2013-2015
For all households
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
55.7
67.1
(66.6, 67.6)
11.4*
(10.7, 12.1)
Unbanked
33.1
42.9
(41.1, 44.7)
9.8*
(7.2, 12.4)
Banked: Underbanked
64.5
75.5
(74.4, 76.6)
11.0*
(9.5, 12.5)
Banked: Fully banked
59.0
71.1
(70.6, 71.6)
12.1*
(11.3, 12.9)
Banked: Underbanked status unknown
13.6
13.3
(11.7, 15.2)
-0.2
(-2.5, 2.0)
Less than $15,000
31.3
43.9
(42.5, 45.2)
12.6*
(10.8, 14.3)
$15,000 to $30,000
37.9
50.6
(49.4, 51.8)
12.7*
(11.0, 14.3)
$30,000 to $50,000
51.0
64.6
(63.5, 65.7)
13.6*
(12.0, 15.2)
$50,000 to $75,000
63.4
73.9
(72.9, 74.9)
10.6*
(9.0, 12.1)
At least $75,000
77.7
84.1
(83.4, 84.8)
6.3*
(5.4, 7.3)
No high school diploma
30.1
41.4
(39.7, 43.0)
11.3*
(9.2, 13.3)
High school diploma
44.2
57.6
(56.6, 58.6)
13.4*
(12.0, 14.8)
Some college
59.4
70.5
(69.6, 71.3)
11.1*
(9.9, 12.4)
College degree
70.8
79.7
(79.0, 80.4)
8.9*
(7.9, 9.9)
15 to 24 years
76.2
82.5
(80.3, 84.5)
6.2*
(3.4, 9.1)
25 to 34 years
76.5
84.0
(83.0, 84.9)
7.5*
(6.0, 9.1)
Characteristics
All
Unbanked and underbanked
Family income
Education
Age group
35 to 44 years
72.1
80.9
(79.8, 82.0)
8.8*
(7.4, 10.3)
45 to 54 years
62.8
75.4
(74.4, 76.4)
12.6*
(11.2, 13.9)
55 to 64 years
48.7
63.9
(62.8, 65.1)
15.2*
(13.6, 16.8)
65 years or more
23.2
38.2
(37.3, 39.2)
15.0*
(13.8, 16.3)
Black
52.3
63.5
(62.0, 65.0)
11.2*
(9.1, 13.3)
Hispanic
55.7
66.3
(64.9, 67.6)
10.6*
(8.8, 12.4)
Asian
68.0
75.4
(73.3, 77.3)
7.4*
(4.5, 10.3)
White
55.6
67.3
(66.8, 67.9)
11.7*
(10.9, 12.5)
Other
50.0
69.3
(65.6, 72.7)
19.3*
(14.4, 24.2)
Disabled, age 25 to 64
39.4
54.3
(52.5, 56.2)
15.0*
(12.5, 17.5)
Not disabled, age 25 to 64
68.1
78.8
(78.2, 79.3)
10.7*
(9.9, 11.5)
Not applicable (not age 25 to 64)
32.8
46.2
(45.2, 47.1)
13.4*
(12.1, 14.7)
Employed
69.1
79.6
(79.0, 80.1)
10.5*
(9.6, 11.3)
Unemployed
57.3
70.5
(67.9, 73.0)
13.2*
(9.9, 16.5)
Not in labor force
31.8
45.4
(44.6, 46.2)
13.6*
(12.4, 14.8)
Race/Ethnicity
Disability status
Employment status
66 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
B.15 S
martphone Access by Banking Status and Household Characteristics, 2013-2015
For all households
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
Homeowner
55.4
67.8
(67.2, 68.4)
12.4*
(11.6, 13.2)
Non-homeowner
56.3
65.9
(65.0, 66.8)
9.6*
(8.4, 10.9)
Married couple
62.6
74.0
(73.3, 74.7)
11.4*
(10.5, 12.4)
Unmarried female-headed family
58.5
71.2
(69.8, 72.6)
12.7*
(10.9, 14.4)
Unmarried male-headed family
61.0
73.1
(70.9, 75.2)
12.0*
(9.1, 15.0)
Female individual
39.1
50.8
(49.6, 52.0)
11.7*
(10.1, 13.3)
Male individual
50.0
61.0
(59.8, 62.2)
11.0*
(9.3, 12.8)
Other
NA
NA
NA
NA
NA
U.S.-born
55.6
67.2
(66.7, 67.8)
11.6*
(10.8, 12.4)
Foreign-born citizen
57.5
65.9
(64.0, 67.8)
8.4*
(5.9, 10.9)
Foreign-born non-citizen
54.4
66.5
(64.5, 68.5)
12.1*
(9.4, 14.9)
Spanish is not only language spoken
56.1
67.5
(67.1, 68.0)
11.4*
(10.7, 12.1)
Spanish is only language spoken
36.2
46.9
(42.8, 51.0)
10.6*
(5.5, 15.7)
Metropolitan area - principal city
58.8
69.1
(68.2, 70.0)
10.3*
(9.0, 11.5)
Metropolitan area - balance
59.8
70.3
(69.5, 71.1)
10.5*
(9.4, 11.7)
Characteristics
Homeownership
Household type
Nativity
Spanish only language spoken
Metropolitan status
Not in metropolitan area
42.0
56.7
(55.3, 58.1)
14.7*
(12.7, 16.6)
Not identified
52.8
63.6
(62.2, 65.0)
10.8*
(8.8, 12.9)
Northeast
54.6
64.0
(62.7, 65.3)
9.5*
(7.7, 11.2)
Midwest
52.1
66.5
(65.6, 67.5)
14.4*
(13.1, 15.8)
South
56.2
67.1
(66.3, 67.8)
10.8*
(9.7, 12.0)
West
59.2
70.0
(69.0, 71.0)
10.8*
(9.3, 12.3)
Geographic region
* indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an
estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
67 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
C.1 Prepaid Card Use by Banking Status and Household Characteristics, 2015
For all households, row percent
Number of
Households (1000s)
Percent of
Households
Yes
(Percent)
No
(Percent)
Unknown
(Percent)
127,538
100.0
9.8
85.8
4.4
Unbanked
8,969
100.0
27.1
64.3
8.6
Banked: Underbanked
25,423
100.0
15.4
84.1
0.4
Banked: Fully banked
86,736
100.0
6.9
92.9
0.2
Banked: Underbanked status
unknown
6,410
100.0
2.2
26.4
71.4
Less than $15,000
18,046
100.0
14.3
79.9
5.8
$15,000 to $30,000
21,392
100.0
10.8
84.4
4.8
$30,000 to $50,000
25,336
100.0
8.8
86.8
4.3
$50,000 to $75,000
23,003
100.0
9.2
86.4
4.3
At least $75,000
39,761
100.0
8.1
88.2
3.7
No high school diploma
13,802
100.0
11.0
83.7
5.3
High school diploma
33,239
100.0
10.3
84.7
5.0
Characteristics
All
Unbanked and underbanked
Family income
Education
Some college
37,512
100.0
10.8
85.2
4.0
College degree
42,985
100.0
8.0
87.9
4.1
15 to 24 years
6,648
100.0
12.4
82.4
5.2
25 to 34 years
21,005
100.0
12.6
83.7
3.8
35 to 44 years
21,640
100.0
11.4
84.1
4.5
45 to 54 years
23,773
100.0
11.0
84.7
4.3
55 to 64 years
23,981
100.0
9.3
86.8
3.9
65 years or more
30,491
100.0
5.5
89.2
5.2
Black
17,961
100.0
13.9
80.2
5.9
Hispanic
16,106
100.0
9.6
85.0
5.4
Asian
6,275
100.0
5.7
88.7
5.5
White
85,428
100.0
9.1
87.1
3.9
Other
1,768
100.0
17.0
79.2
3.9
Disabled, age 25 to 64
11,497
100.0
15.2
80.7
4.2
Not disabled, age 25 to 64
78,902
100.0
10.4
85.5
4.1
Not applicable (not age 25 to 64)
37,139
100.0
6.8
88.0
5.2
Employed
78,152
100.0
9.9
85.9
4.1
Unemployed
3,869
100.0
18.4
77.6
4.0
Not in labor force
45,517
100.0
8.7
86.3
5.0
Age group
Race/Ethnicity
Disability status
Employment status
68 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
C.1 Prepaid Card Use by Banking Status and Household Characteristics, 2015
For all households, row percent
Number of
Households (1000s)
Percent of
Households
Yes
(Percent)
No
(Percent)
Unknown
(Percent)
Homeowner
80,685
100.0
8.0
88.1
3.9
Non-homeowner
46,853
100.0
12.9
81.8
5.3
Married couple
59,549
100.0
8.9
87.4
3.7
Unmarried female-headed family
15,998
100.0
15.4
79.9
4.8
Unmarried male-headed family
6,143
100.0
13.0
81.4
5.6
Female individual
23,474
100.0
7.6
86.9
5.5
Male individual
22,100
100.0
9.4
85.9
4.8
NA
NA
NA
NA
NA
108,671
100.0
10.1
85.6
4.2
Foreign-born citizen
9,728
100.0
6.3
88.6
5.1
Foreign-born non-citizen
9,140
100.0
9.0
84.8
6.2
124,675
100.0
9.8
85.9
4.3
2,863
100.0
8.5
82.7
8.8
Metropolitan area - principal city
36,531
100.0
10.0
84.7
5.3
Metropolitan area - balance
54,619
100.0
9.1
86.3
4.6
Not in metropolitan area
17,895
100.0
11.1
85.7
3.2
Not identified
18,494
100.0
9.7
86.7
3.5
Northeast
22,699
100.0
8.4
86.2
5.3
Midwest
27,625
100.0
10.2
85.8
4.0
South
48,382
100.0
10.7
85.2
4.1
West
28,832
100.0
8.8
86.4
4.8
Income was about the same each
month
91,549
100.0
9.2
90.4
0.4
Income varied somewhat from
month to month
20,839
100.0
13.5
85.8
0.7
Income varied a lot from month to
month
5,781
100.0
15.5
84.1
0.4
Unknown
9,370
100.0
3.7
42.1
54.2
Characteristics
Homeownership
Household type
Other
Nativity
U.S.-born
Spanish only language spoken
Spanish is not only language
spoken
Spanish is only language spoken
Metropolitan status
Geographic region
Monthly income volatility
NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than
zero. Estimates do not always reconcile to totals because of rounding.
69 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
C.2 Prepaid
Card Use by Banking Status and Household Characteristics, 2013-2015
For all households
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
7.9
9.8
(9.4, 10.1)
1.8*
(1.4, 2.3)
Unbanked
22.3
27.1
(25.3, 28.9)
4.8*
(2.5, 7.2)
Banked: Underbanked
13.1
15.4
(14.6, 16.3)
2.3*
(1.2, 3.4)
Banked: Fully banked
5.3
6.9
(6.6, 7.2)
1.6*
(1.2, 2.0)
Banked: Underbanked status
unknown
0.7
2.2
(1.6, 3.1)
1.5*
(0.7, 2.4)
Characteristics
All
Unbanked and underbanked
Family income
Less than $15,000
11.4
14.3
(13.4, 15.4)
3.0*
(1.7, 4.2)
$15,000 to $30,000
8.3
10.8
(10.0, 11.6)
2.5*
(1.4, 3.5)
$30,000 to $50,000
8.3
8.8
(8.2, 9.5)
0.6
(-0.3, 1.4)
$50,000 to $75,000
6.4
9.2
(8.5, 10.0)
2.8*
(1.9, 3.6)
At least $75,000
6.5
8.1
(7.6, 8.6)
1.5*
(0.8, 2.2)
No high school diploma
8.9
11.0
(10.0, 12.1)
2.1*
(0.8, 3.4)
High school diploma
8.1
10.3
(9.6, 11.0)
2.2*
(1.4, 3.1)
Some college
8.8
10.8
(10.2, 11.4)
2.0*
(1.3, 2.7)
College degree
6.7
8.0
(7.6, 8.5)
1.4*
(0.7, 2.0)
15 to 24 years
12.7
12.4
(10.8, 14.2)
-0.3
(-2.5, 1.9)
25 to 34 years
10.9
12.6
(11.8, 13.4)
1.6*
(0.6, 2.6)
35 to 44 years
10.3
11.4
(10.6, 12.3)
1.1
(0.0, 2.2)
45 to 54 years
9.1
11.0
(10.2, 11.8)
1.8*
(0.8, 2.8)
55 to 64 years
6.4
9.3
(8.7, 9.9)
2.9*
(2.1, 3.7)
65 years or more
3.0
5.5
(5.1, 6.1)
2.6*
(2.0, 3.1)
Black
11.5
13.9
(12.8, 15.1)
2.4*
(1.0, 3.8)
Hispanic
7.8
9.6
(8.7, 10.7)
1.9*
(0.6, 3.2)
Asian
4.4
5.7
(4.7, 7.0)
1.3
(-0.2, 2.8)
White
7.3
9.1
(8.7, 9.4)
1.7*
(1.3, 2.2)
Other
13.8
17.0
(14.1, 20.2)
3.2
(-1.2, 7.5)
12.4
15.2
(14.0, 16.5)
2.8*
(1.2, 4.4)
Not disabled, age 25 to 64
8.7
10.4
(9.9, 10.8)
1.7*
(1.1, 2.3)
Not applicable (not age 25 to 64)
4.7
6.8
(6.3, 7.3)
2.0*
(1.4, 2.7)
Employed
8.4
9.9
(9.5, 10.4)
1.6*
(1.0, 2.1)
Unemployed
14.8
18.4
(16.2, 20.9)
3.5*
(0.8, 6.3)
Not in labor force
6.2
8.7
(8.2, 9.2)
2.5*
(1.9, 3.1)
Education
Age group
Race/Ethnicity
Disability status
Disabled, age 25 to 64
Employment status
70 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
C.2 Prepaid
Card Use by Banking Status and Household Characteristics, 2013-2015
For all households
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
Homeowner
5.9
8.0
(7.6, 8.3)
2.1*
(1.6, 2.5)
Non-homeowner
11.6
12.9
(12.2, 13.5)
1.3*
(0.5, 2.0)
Married couple
7.1
8.9
(8.5, 9.3)
1.8*
(1.2, 2.4)
Unmarried female-headed family
13.1
15.4
(14.2, 16.5)
2.2*
(0.8, 3.7)
Unmarried male-headed family
10.2
13.0
(11.3, 14.8)
2.8*
(0.5, 5.0)
Female individual
6.3
7.6
(6.9, 8.3)
1.2*
(0.4, 2.1)
Male individual
7.2
9.4
(8.7, 10.1)
2.2*
(1.1, 3.2)
Other
NA
NA
NA
NA
NA
U.S.-born
8.3
10.1
(9.8, 10.5)
1.8*
(1.3, 2.3)
Foreign-born citizen
4.0
6.3
(5.3, 7.5)
2.2*
(1.0, 3.5)
Foreign-born non-citizen
6.8
9.0
(7.8, 10.3)
2.2*
(0.6, 3.7)
Spanish is not only language
spoken
7.9
9.8
(9.4, 10.1)
1.9*
(1.4, 2.3)
Spanish is only language spoken
6.8
8.5
(6.6, 10.9)
1.7
(-0.8, 4.3)
Metropolitan area - principal city
8.2
10.0
(9.4, 10.7)
1.8*
(0.9, 2.7)
Metropolitan area - balance
7.2
9.1
(8.7, 9.6)
1.9*
(1.3, 2.5)
Not in metropolitan area
8.8
11.1
(10.2, 12.1)
2.3*
(1.1, 3.5)
Not identified
8.2
9.7
(8.9, 10.6)
1.5*
(0.4, 2.6)
Northeast
6.6
8.4
(7.7, 9.2)
1.9*
(0.9, 2.8)
Midwest
8.9
10.2
(9.5, 10.9)
1.2*
(0.3, 2.2)
South
8.4
10.7
(10.2, 11.3)
2.3*
(1.6, 3.0)
West
7.1
8.8
(8.1, 9.4)
1.7*
(0.8, 2.6)
Characteristics
Homeownership
Household type
Nativity
Spanish only language spoken
Metropolitan status
Geographic region
* indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an
estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
71 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
C.3 Prepaid
Card Use Among Unbanked Households by Household Characteristics, 2015
For all unbanked households, row percent
Number of
Households (1000s)
Percent of
Households
Yes
(Percent)
No
(Percent)
Unknown
(Percent)
8,969
100.0
27.1
64.3
8.6
Less than $15,000
4,624
100.0
28.5
63.6
7.9
$15,000 to $30,000
2,532
100.0
24.2
67.1
8.7
$30,000 to $50,000
1,263
100.0
26.8
65.9
7.3
$50,000 to $75,000
NA
NA
NA
NA
NA
At least $75,000
NA
NA
NA
NA
NA
No high school diploma
3,203
100.0
21.4
71.7
6.9
High school diploma
3,216
100.0
30.7
60.1
9.2
Some college
2,056
100.0
30.8
60.8
8.4
494
100.0
25.4
57.4
17.2
15 to 24 years
868
100.0
35.7
57.1
7.2
25 to 34 years
2,234
100.0
33.0
59.0
8.1
35 to 44 years
1,935
100.0
27.3
65.9
6.8
45 to 54 years
1,587
100.0
25.9
66.6
7.5
55 to 64 years
1,398
100.0
22.7
67.9
9.4
947
100.0
13.4
70.8
15.8
Black
3,262
100.0
30.9
59.6
9.5
Hispanic
2,614
100.0
16.3
75.9
7.8
Asian
NA
NA
NA
NA
NA
White
2,645
100.0
32.7
58.9
8.4
Other
NA
NA
NA
NA
NA
Disabled, age 25 to 64
2,023
100.0
30.4
62.0
7.6
Not disabled, age 25 to 64
5,132
100.0
26.9
65.2
8.0
Not applicable (not age 25 to 64)
1,814
100.0
24.0
64.3
11.7
3,878
100.0
29.0
63.1
7.9
889
100.0
35.5
58.1
6.4
4,202
100.0
23.6
66.6
9.8
Homeowner
1,860
100.0
21.2
67.5
11.4
Non-homeowner
7,109
100.0
28.6
63.4
7.9
Characteristics
All
Family income
Education
College degree
Age group
65 years or more
Race/Ethnicity
Disability status
Employment status
Employed
Unemployed
Not in labor force
Homeownership
72 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
C.3 Prepaid
Card Use Among Unbanked Households by Household Characteristics, 2015
For all unbanked households, row percent
Number of
Households (1000s)
Percent of
Households
Yes
(Percent)
No
(Percent)
Unknown
(Percent)
Married couple
1,964
100.0
25.7
68.7
5.6
Unmarried female-headed family
2,586
100.0
33.3
59.5
7.2
605
100.0
28.7
65.6
5.7
Female individual
1,603
100.0
22.5
63.8
13.7
Male individual
2,173
100.0
23.8
66.0
10.3
NA
NA
NA
NA
NA
6,668
100.0
31.7
59.9
8.4
NA
NA
NA
NA
NA
1,851
100.0
14.2
75.7
10.1
8,082
100.0
29.0
62.6
8.4
887
100.0
9.8
79.5
10.7
Metropolitan area - principal city
3,755
100.0
26.0
64.6
9.3
Metropolitan area - balance
2,855
100.0
26.2
65.1
8.8
Not in metropolitan area
1,364
100.0
29.5
62.8
7.7
995
100.0
30.4
62.7
6.9
Northeast
1,438
100.0
25.6
65.8
8.6
Midwest
1,583
100.0
32.5
56.5
11.0
South
4,233
100.0
28.4
64.7
6.9
West
1,715
100.0
20.0
69.2
10.8
Income was about the same each
month
5,217
100.0
30.0
69.5
0.5
Income varied somewhat from
month to month
1,814
100.0
31.1
67.9
1.0
744
100.0
31.7
68.3
-
1,194
100.0
5.2
33.6
61.2
Characteristics
Household type
Unmarried male-headed family
Other
Nativity
U.S.-born
Foreign-born citizen
Foreign-born non-citizen
Spanish only language spoken
Spanish is not only language
spoken
Spanish is only language spoken
Metropolitan status
Not identified
Geographic region
Monthly income volatility
Income varied a lot from month to
month
Unknown
NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than
zero. Estimates do not always reconcile to totals because of rounding.
73 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
C.4 Prepaid Card Use Among Unbanked Households by Household Characteristics, 2013-2015
For all unbanked households
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
22.3
27.1
(25.3, 28.9)
4.8*
(2.5, 7.2)
Less than $15,000
20.9
28.5
(26.0, 31.1)
7.6*
(4.3, 10.8)
$15,000 to $30,000
23.3
24.2
(21.3, 27.4)
0.9
(-3.3, 5.1)
$30,000 to $50,000
28.3
26.8
(22.6, 31.5)
-1.5
(-7.8, 4.8)
$50,000 to $75,000
19.8
NA
NA
NA
NA
At least $75,000
NA
NA
NA
NA
NA
No high school diploma
18.4
21.4
(18.9, 24.1)
3.0
(-0.3, 6.2)
High school diploma
22.4
30.7
(27.7, 33.8)
8.3*
(4.5, 12.1)
Some college
30.0
30.8
(27.1, 34.7)
0.8
(-4.5, 6.1)
College degree
17.3
25.4
(18.4, 33.9)
8.1
(-1.0, 17.2)
15 to 24 years
21.1
35.7
(29.4, 42.5)
14.6*
(6.6, 22.6)
25 to 34 years
25.7
33.0
(29.2, 37.0)
7.3*
(2.8, 11.9)
35 to 44 years
24.9
27.3
(23.5, 31.5)
2.4
(-2.9, 7.7)
45 to 54 years
25.0
25.9
(22.4, 29.7)
0.8
(-4.1, 5.8)
55 to 64 years
18.7
22.7
(18.8, 27.0)
4.0
(-1.4, 9.3)
65 years or more
8.9
13.4
(10.1, 17.4)
4.5
(-0.2, 9.1)
Black
25.1
30.9
(27.6, 34.3)
5.8*
(1.4, 10.2)
Hispanic
12.2
16.3
(13.0, 20.1)
4.0*
(0.2, 7.9)
Asian
NA
NA
NA
NA
NA
White
28.2
32.7
(30.1, 35.5)
4.5*
(0.3, 8.7)
Other
28.8
NA
NA
NA
NA
Disabled, age 25 to 64
27.9
30.4
(26.5, 34.6)
2.5
(-2.8, 7.8)
Not disabled, age 25 to 64
22.8
26.9
(24.4, 29.4)
4.0*
(1.1, 7.0)
Not applicable (not age 25 to 64)
15.0
24.0
(20.4, 28.0)
9.1*
(4.4, 13.7)
Employed
23.2
29.0
(26.4, 31.7)
5.7*
(2.5, 9.0)
Unemployed
27.5
35.5
(29.6, 41.9)
8.1*
(0.6, 15.5)
Not in labor force
19.8
23.6
(21.1, 26.3)
3.8*
(0.2, 7.3)
Homeowner
16.1
21.2
(18.1, 24.6)
5.1*
(0.5, 9.7)
Non-homeowner
24.0
28.6
(26.7, 30.7)
4.7*
(2.2, 7.2)
Characteristics
All
Family income
Education
Age group
Race/Ethnicity
Disability status
Employment status
Homeownership
74 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
C.4 Prepaid Card Use Among Unbanked Households by Household Characteristics, 2013-2015
For all unbanked households
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
Married couple
20.6
25.7
(22.2, 29.5)
5.1*
(0.7, 9.6)
Unmarried female-headed family
28.4
33.3
(30.0, 36.6)
4.9*
(0.6, 9.1)
Unmarried male-headed family
18.7
28.7
(22.4, 35.9)
10.0*
(2.3, 17.8)
Female individual
20.2
22.5
(18.3, 27.2)
2.3
(-3.0, 7.6)
Male individual
18.7
23.8
(20.5, 27.3)
5.0*
(0.6, 9.4)
Other
NA
NA
NA
NA
NA
U.S.-born
26.6
31.7
(29.5, 33.9)
5.1*
(2.1, 8.1)
Foreign-born citizen
6.0
NA
NA
NA
NA
Foreign-born non-citizen
9.1
14.2
(11.2, 17.9)
5.1*
(1.1, 9.2)
Spanish is not only language
spoken
23.8
29.0
(27.1, 31.0)
5.2*
(2.7, 7.7)
Spanish is only language spoken
8.0
9.8
(6.4, 14.7)
1.8
(-3.4, 7.1)
Metropolitan area - principal city
21.3
26.0
(23.0, 29.3)
4.8*
(1.2, 8.3)
Metropolitan area - balance
22.5
26.2
(23.1, 29.5)
3.7
(-0.4, 7.8)
Not in metropolitan area
22.3
29.5
(25.2, 34.3)
7.2*
(1.4, 13.0)
Not identified
25.0
30.4
(25.0, 36.4)
5.4
(-1.3, 12.0)
Northeast
19.3
25.6
(21.0, 30.9)
6.3*
(0.4, 12.2)
Midwest
26.7
32.5
(27.8, 37.6)
5.8
(-0.2, 11.9)
South
23.6
28.4
(25.8, 31.2)
4.9*
(1.3, 8.5)
West
17.9
20.0
(16.4, 24.0)
2.0
(-2.5, 6.6)
Characteristics
Household type
Nativity
Spanish only language spoken
Metropolitan status
Geographic region
* indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an
estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
75 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
C.5 Prepaid
Card Use by State, 2013-2015
For all households
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
7.9
9.8
(9.4, 10.1)
1.8*
(1.4, 2.3)
AL
6.8
11.9
(10.3, 13.7)
5.1*
(2.0, 8.2)
AK
7.8
7.8
(5.5, 10.9)
0.0
(-3.0, 2.9)
AZ
6.4
7.3
(5.5, 9.6)
0.9
(-1.7, 3.5)
AR
10.2
17.7
(14.8, 20.9)
7.4*
(3.3, 11.6)
CA
7.0
8.9
(7.9, 10.1)
1.9*
(0.5, 3.4)
CO
9.4
9.2
(7.2, 11.8)
-0.1
(-3.4, 3.1)
CT
6.5
7.1
(5.1, 9.9)
0.7
(-2.1, 3.5)
DE
5.8
7.8
(5.8, 10.3)
1.9
(-1.0, 4.8)
DC
9.0
10.2
(8.3, 12.3)
1.1
(-1.5, 3.8)
FL
7.6
9.5
(8.2, 11.0)
1.9*
(0.1, 3.7)
GA
9.1
11.3
(9.4, 13.6)
2.2
(-0.4, 4.9)
HI
3.5
6.2
(4.4, 8.6)
2.8*
(0.2, 5.3)
ID
5.9
9.3
(7.4, 11.7)
3.4*
(0.5, 6.3)
IL
8.0
7.3
(6.1, 8.9)
-0.6
(-2.5, 1.2)
IN
9.0
8.1
(6.5, 10.1)
-0.9
(-3.6, 1.8)
IA
10.1
9.9
(7.5, 13.1)
-0.2
(-3.9, 3.5)
KS
9.8
11.8
(9.2, 14.9)
2.0
(-1.6, 5.6)
KY
10.2
12.3
(9.7, 15.5)
2.1
(-1.5, 5.8)
LA
8.2
11.4
(9.2, 14.0)
3.2*
(0.4, 5.9)
ME
8.7
10.3
(7.8, 13.5)
1.6
(-1.6, 4.8)
MD
6.7
11.0
(8.8, 13.5)
4.2*
(1.7, 6.8)
MA
5.1
8.4
(6.7, 10.4)
3.3*
(0.9, 5.8)
MI
8.2
11.9
(9.7, 14.7)
3.7*
(0.8, 6.7)
MN
8.2
12.7
(9.9, 16.1)
4.5*
(1.1, 7.9)
MS
14.9
11.4
(9.3, 13.9)
-3.5
(-7.8, 0.9)
MO
9.6
12.7
(10.1, 15.8)
3.1
(-0.3, 6.4)
MT
5.2
8.0
(6.6, 9.8)
2.9
(0.0, 5.8)
NE
8.1
13.9
(11.1, 17.2)
5.8*
(2.3, 9.3)
NV
7.1
11.1
(8.9, 13.6)
4.0*
(0.4, 7.5)
NH
9.4
7.8
(6.1, 9.9)
-1.6
(-4.3, 1.0)
NJ
7.0
8.1
(6.5, 10.0)
1.1
(-1.3, 3.4)
NM
9.6
8.4
(6.8, 10.4)
-1.2
(-4.7, 2.3)
NY
6.8
7.9
(6.7, 9.3)
1.1
(-0.7, 2.9)
NC
6.6
10.0
(8.3, 12.0)
3.5*
(1.0, 6.0)
ND
9.5
11.0
(9.2, 13.0)
1.5
(-1.3, 4.3)
OH
9.4
9.9
(8.5, 11.4)
0.5
(-1.6, 2.5)
OK
12.9
13.4
(10.4, 17.2)
0.6
(-3.7, 4.8)
Geography
All
State
76 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
C.5 Prepaid
Card Use by State, 2013-2015
For all households
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
OR
7.6
10.1
(8.2, 12.4)
2.5
(-0.6, 5.6)
PA
6.1
9.8
(7.8, 12.1)
3.7*
(1.4, 6.0)
RI
9.6
10.2
(7.9, 13.1)
0.6
(-2.2, 3.4)
SC
8.1
9.2
(7.1, 12.0)
1.2
(-2.4, 4.8)
SD
8.5
10.7
(7.7, 14.7)
2.2
(-1.5, 5.8)
TN
8.5
12.5
(10.0, 15.6)
4.0*
(0.5, 7.5)
TX
9.3
10.2
(9.0, 11.5)
0.9
(-1.0, 2.7)
UT
7.6
10.6
(8.0, 13.8)
2.9
(-1.5, 7.3)
VT
6.8
7.7
(6.1, 9.7)
0.9
(-1.5, 3.4)
VA
6.3
9.3
(7.3, 11.7)
2.9*
(0.2, 5.6)
WA
6.2
7.2
(5.7, 9.0)
0.9
(-1.4, 3.3)
WV
6.3
10.2
(6.3, 16.3)
4.0
(-1.4, 9.4)
WI
10.4
9.2
(7.5, 11.3)
-1.2
(-3.8, 1.4)
WY
7.1
9.9
(7.8, 12.6)
2.8
(-0.2, 5.8)
Geography
* indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an
estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
77 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
C.6 Prepaid
Card Use by MSA, 2013-2015
For all households
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
7.9
9.8
(9.4, 10.1)
1.8*
(1.4, 2.3)
Albuquerque, NM
8.6
7.8
(5.6, 10.8)
-0.7
(-4.9, 3.5)
Atlanta-Sandy Springs-Roswell,
GA~
8.6
8.6
(6.4, 11.6)
0.0
(-3.5, 3.5)
Austin-Round Rock, TX
5.5
10.1
(6.2, 15.9)
4.6
(-1.2, 10.3)
Baltimore-Columbia-Towson, MD
8.2
10.2
(7.0, 14.6)
2.0
(-2.5, 6.4)
Baton Rouge, LA
NA
8.2
(4.9, 13.4)
NA
NA
Geography
All
MSA
Billings, MT~
NA
9.7
(4.9, 18.1)
NA
NA
Birmingham-Hoover, AL
5.4
8.8
(5.8, 13.1)
3.4
(-1.4, 8.3)
Boise City, ID
4.4
6.2
(3.9, 9.8)
1.9
(-1.8, 5.5)
Boston-Cambridge-Newton, MANH~
6.5
9.2
(7.2, 11.8)
2.8
(-0.2, 5.8)
Bridgeport-Stamford-Norwalk, CT~
5.1
8.2
(4.5, 14.2)
3.1
(-2.5, 8.6)
Burlington-South Burlington, VT~
5.5
9.2
(6.5, 12.9)
3.7
(-1.1, 8.5)
Charlotte-Concord-Gastonia, NCSC~
6.2
8.5
(5.8, 12.4)
2.3
(-2.1, 6.7)
Chicago-Naperville-Elgin, IL-IN-WI
6.5
7.2
(5.7, 9.1)
0.7
(-1.3, 2.8)
Cincinnati, OH-KY-IN~
6.3
8.7
(5.8, 13.0)
2.5
(-2.0, 7.0)
Cleveland-Elyria, OH
7.4
13.1
(9.7, 17.5)
5.7*
(1.0, 10.4)
Columbia, SC
1.8
7.4
(4.1, 13.1)
5.6*
(0.8, 10.4)
Columbus, OH~
12.3
11.7
(8.5, 15.8)
-0.7
(-5.9, 4.6)
Dallas-Fort Worth-Arlington, TX~
7.7
12.3
(9.9, 15.1)
4.6*
(1.4, 7.8)
Denver-Aurora-Lakewood, CO
8.6
9.2
(6.4, 13.0)
0.6
(-3.5, 4.6)
Detroit-Warren-Dearborn, MI
7.5
9.3
(6.8, 12.6)
1.8
(-2.0, 5.8)
Fargo, ND-MN
11.0
17.2
(12.8, 22.8)
6.2
(-0.9, 13.3)
Grand Rapids-Wyoming, MI~
9.2
19.9
(13.5, 28.4)
10.8*
(2.4, 19.1)
Greenville-Anderson-Mauldin, SC~
NA
3.5
(1.5, 8.2)
NA
NA
Hartford-West Hartford-East
Hartford, CT~
8.2
11.7
(7.6, 17.5)
3.4
(-2.4, 9.3)
Houston-The Woodlands-Sugar
Land, TX~
10.2
8.8
(6.6, 11.7)
-1.4
(-4.9, 2.2)
Indianapolis-Carmel-Anderson, IN~
11.2
9.7
(6.4, 14.6)
-1.5
(-7.1, 4.1)
Jackson, MS~
NA
13.4
(8.9, 19.5)
NA
NA
Kansas City, MO-KS~
11.4
13.5
(10.3, 17.6)
2.1
(-3.0, 7.3)
Las Vegas-Henderson-Paradise, NV
7.5
12.1
(9.5, 15.2)
4.6*
(0.6, 8.5)
Little Rock-North Little RockConway, AR
11.8
21.7
(16.5, 28.0)
9.9*
(1.6, 18.2)
Los Angeles-Long Beach-Anaheim,
CA
5.5
7.3
(5.9, 9.1)
1.9
(-0.2, 3.9)
Louisville/Jefferson County, KY-IN~
10.8
8.9
(5.6, 13.9)
-1.9
(-8.2, 4.4)
Manchester-Nashua, NH~
NA
7.4
(4.8, 11.2)
NA
NA
Memphis, TN-MS-AR~
12.4
14.7
(9.5, 21.8)
2.2
(-5.8, 10.2)
Miami-Fort Lauderdale-West Palm
Beach, FL
6.2
10.1
(7.5, 13.5)
3.9*
(0.2, 7.6)
78 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
C.6 Prepaid
Card Use by MSA, 2013-2015
For all households
Geography
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
Milwaukee-Waukesha-West Allis, WI
12.5
12.2
(8.5, 17.2)
-0.3
(-6.4, 5.7)
Minneapolis-St. Paul-Bloomington,
MN-WI~
8.8
12.2
(9.4, 15.7)
3.4
(0.0, 6.9)
Nashville-Davidson--Murfreesboro-Franklin, TN~
6.0
13.9
(8.4, 22.0)
7.9
(-0.5, 16.2)
New Haven-Milford, CT~
5.7
-
New Orleans-Metairie, LA~
8.1
9.9
(7.0, 13.8)
1.8
(-3.5, 7.1)
New York-Newark-Jersey City,
NY-NJ-PA~
5.6
7.4
(6.3, 8.7)
1.8*
(0.3, 3.3)
Oklahoma City, OK
11.9
17.4
(12.5, 23.9)
5.6
(-1.6, 12.8)
Omaha-Council Bluffs, NE-IA
10.3
18.1
(13.5, 23.9)
7.8*
(1.4, 14.2)
Orlando-Kissimmee-Sanford, FL
6.1
7.8
(4.9, 12.2)
1.7
(-2.8, 6.1)
Philadelphia-Camden-Wilmington,
PA-NJ-DE-MD
4.8
6.6
(4.6, 9.2)
1.8
(-1.0, 4.6)
Phoenix-Mesa-Scottsdale, AZ
6.7
6.4
(4.5, 9.0)
-0.3
(-3.2, 2.6)
Pittsburgh, PA
9.8
18.1
(12.5, 25.5)
8.3*
(1.9, 14.7)
Portland-South Portland, ME~
5.2
6.8
(3.6, 12.5)
1.6
(-3.4, 6.5)
Portland-Vancouver-Hillsboro,
OR-WA
6.5
11.1
(8.1, 15.2)
4.7*
(0.5, 8.8)
Providence-Warwick, RI-MA~
9.8
11.7
(9.0, 15.2)
2.0
(-2.8, 6.7)
Richmond, VA~
4.1
9.0
(4.7, 16.8)
4.9
(-1.8, 11.6)
Riverside-San Bernardino-Ontario,
CA
5.3
11.3
(7.7, 16.1)
5.9*
(1.4, 10.4)
Sacramento--Roseville--ArdenArcade, CA
8.4
10.2
(6.8, 15.1)
1.8
(-3.3, 6.9)
St. Louis, MO-IL~
10.8
10.3
(7.4, 14.3)
-0.5
(-5.1, 4.1)
Salisbury, MD-DE~
NA
3.2
(1.5, 7.0)
NA
NA
Salt Lake City, UT~
9.9
8.9
(6.0, 13.1)
-1.0
(-5.9, 3.9)
San Antonio-New Braunfels, TX
10.1
14.9
(10.8, 20.1)
4.7
(-0.9, 10.4)
San Diego-Carlsbad, CA
8.5
7.5
(5.3, 10.5)
-1.0
(-5.0, 2.9)
San Francisco-Oakland-Hayward,
CA
7.8
7.5
(5.5, 10.4)
-0.2
(-3.4, 3.0)
Seattle-Tacoma-Bellevue, WA
5.9
6.6
(4.7, 9.3)
0.7
(-2.4, 3.9)
Sioux Falls, SD
10.3
8.2
(4.0, 16.0)
-2.1
(-7.9, 3.6)
Tampa-St. Petersburg-Clearwater,
FL
7.7
8.3
(5.7, 11.8)
0.5
(-3.4, 4.5)
Tucson, AZ
NA
7.4
(3.9, 13.5)
NA
NA
Tulsa, OK
14.9
11.9
(7.9, 17.6)
-3.0
(-9.3, 3.4)
Urban Honolulu, HI
4.5
6.9
(4.8, 9.9)
2.4
(-0.8, 5.6)
Virginia Beach-Norfolk-Newport
News, VA-NC~
7.0
9.7
(5.9, 15.7)
2.7
(-3.2, 8.6)
Washington-Arlington-Alexandria,
DC-VA-MD-WV~
6.5
9.1
(7.3, 11.4)
2.6*
(0.2, 5.0)
Wichita, KS~
14.0
17.0
(11.4, 24.5)
3.0
(-5.2, 11.2)
~ indicates areas with geographic boundary changes between the 2013 and 2015 surveys. See Appendix 1 (FDIC Technical Notes) for details. * indicates
differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate
of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
79 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
C.7 S
ources of Prepaid Cards by Banking Status and Household Characteristics, 2015
For all households that used prepaid cards in the past 12 months, row percent
Characteristics
All
Number of
Households
(1000s)
Percent of
Households
Bank
location
or bank
website
(Percent)
Store or
website
that is not
a bank
(Percent)
Government
agency
(Percent)
Employer
payroll
card
(Percent)
Family or
friends
(Percent)
Other
(Percent)
Unknown
(Percent)
12,450
100.0
17.3
42.6
14.8
9.2
14.2
6.8
1.3
Unbanked and
underbanked
Unbanked
2,430
100.0
9.3
46.5
24.8
13.8
4.4
5.2
1.0
Banked:
Underbanked
3,926
100.0
18.4
47.1
13.1
9.9
13.2
4.8
1.0
Banked: Fully
banked
5,953
100.0
19.8
38.2
12.1
7.0
19.1
8.9
0.9
NA
NA
NA
NA
NA
NA
NA
NA
NA
Less than $15,000
2,587
100.0
12.1
42.3
29.1
8.8
7.6
4.4
1.1
$15,000 to $30,000
2,301
100.0
16.6
42.0
20.5
10.8
10.0
6.1
1.6
$30,000 to $50,000
2,241
100.0
21.5
42.9
7.9
9.1
16.7
6.2
1.1
$50,000 to $75,000
2,119
100.0
17.7
41.5
10.2
9.3
18.2
7.2
2.0
At least $75,000
3,202
100.0
18.8
43.6
7.2
8.3
18.3
9.6
1.0
No high school
diploma
1,516
100.0
16.7
41.0
29.6
6.4
6.2
4.1
1.6
High school diploma
3,427
100.0
15.5
43.6
17.4
11.8
11.3
5.3
1.1
Some college
4,053
100.0
16.7
43.2
12.8
10.5
14.8
6.4
1.6
College degree
3,454
100.0
20.1
41.4
8.3
6.3
19.9
10.1
1.1
15 to 24 years
825
100.0
11.4
37.3
14.0
19.4
18.3
5.1
1.4
25 to 34 years
2,639
100.0
14.3
41.4
12.9
13.5
15.5
7.2
1.2
35 to 44 years
2,467
100.0
16.5
46.6
14.1
8.5
14.9
5.8
1.5
45 to 54 years
2,603
100.0
19.5
44.1
15.4
7.6
11.7
6.7
1.2
55 to 64 years
2,224
100.0
16.6
39.4
18.5
7.9
13.2
8.4
1.1
65 years or more
1,692
100.0
23.6
42.7
13.7
2.6
14.6
6.8
1.6
Black
2,492
100.0
16.7
46.3
17.6
13.0
6.1
5.6
1.6
Hispanic
1,553
100.0
24.8
39.8
19.4
7.1
11.5
2.6
0.9
Asian
NA
NA
NA
NA
NA
NA
NA
NA
NA
White
7,746
100.0
15.5
41.8
12.9
8.6
17.7
8.3
1.4
Other
300
100.0
19.1
53.3
13.8
6.1
8.0
2.6
2.2
Disabled, age 25
to 64
1,747
100.0
13.4
38.7
33.3
5.9
5.5
5.9
1.8
Not disabled, age 25
to 64
8,186
100.0
17.4
43.9
11.2
10.2
15.6
7.2
1.2
Not applicable (not
age 25 to 64)
2,517
100.0
19.6
41.0
13.8
8.1
15.8
6.2
1.5
Banked:
Underbanked status
unknown
Family income
Education
Age group
Race/Ethnicity
Disability status
80 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
C.7 S
ources of Prepaid Cards by Banking Status and Household Characteristics, 2015
For all households that used prepaid cards in the past 12 months, row percent
Number of
Households
(1000s)
Percent of
Households
Bank
location
or bank
website
(Percent)
Store or
website
that is not
a bank
(Percent)
Government
agency
(Percent)
Employer
payroll
card
(Percent)
Family or
friends
(Percent)
Other
(Percent)
Unknown
(Percent)
7,772
100.0
17.4
43.4
9.6
11.7
15.9
7.0
1.4
712
100.0
10.0
42.8
27.8
10.4
5.8
7.0
0.1
3,966
100.0
18.4
41.0
22.8
3.9
12.4
6.4
1.3
Homeowner
6,423
100.0
18.3
43.9
10.2
6.5
17.4
7.7
1.4
Non-homeowner
6,027
100.0
16.2
41.1
19.8
12.0
10.8
5.9
1.2
Married couple
5,295
100.0
17.9
42.3
11.5
8.9
15.8
7.9
0.6
Unmarried femaleheaded family
2,458
100.0
13.7
47.4
20.2
8.9
10.0
5.7
2.1
Unmarried maleheaded family
797
100.0
17.3
40.9
16.7
16.0
8.5
7.6
2.2
Female individual
1,784
100.0
19.7
40.0
17.8
7.4
17.1
4.8
1.4
Male individual
2,070
100.0
17.8
40.5
13.8
8.8
14.9
7.1
1.9
NA
NA
NA
NA
NA
NA
NA
NA
NA
11,020
100.0
15.8
43.2
14.7
9.5
14.8
7.2
1.4
Foreign-born citizen
611
100.0
31.4
34.6
19.4
6.4
10.1
1.9
1.4
Foreign-born noncitizen
819
100.0
26.7
40.1
13.3
7.5
9.9
5.9
0.5
12,206
100.0
17.1
42.6
14.8
9.3
14.3
7.0
1.3
NA
NA
NA
NA
NA
NA
NA
NA
NA
Metropolitan area principal city
3,664
100.0
19.4
39.3
17.5
12.6
10.3
6.2
1.6
Metropolitan area balance
4,997
100.0
18.3
41.7
12.1
7.7
16.8
7.3
1.6
Not in metropolitan
area
1,989
100.0
11.8
53.1
15.7
7.4
13.3
4.9
1.2
Not identified
1,799
100.0
16.4
40.1
16.2
8.2
16.0
9.1
0.3
Northeast
1,918
100.0
18.6
37.4
17.2
10.5
17.1
7.0
1.2
Midwest
2,814
100.0
16.6
42.3
13.0
11.2
15.4
6.5
1.9
Characteristics
Employment
status
Employed
Unemployed
Not in labor force
Homeownership
Household type
Other
Nativity
U.S.-born
Spanish only
language spoken
Spanish is not only
language spoken
Spanish is only
language spoken
Metropolitan
status
Geographic region
South
5,188
100.0
16.1
46.2
13.4
8.8
12.8
6.9
0.9
West
2,530
100.0
19.5
39.3
17.9
6.8
13.6
7.1
1.6
81 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
C.7 S
ources of Prepaid Cards by Banking Status and Household Characteristics, 2015
For all households that used prepaid cards in the past 12 months, row percent
Number of
Households
(1000s)
Percent of
Households
Bank
location
or bank
website
(Percent)
Store or
website
that is not
a bank
(Percent)
Government
agency
(Percent)
Employer
payroll
card
(Percent)
Family or
friends
(Percent)
Other
(Percent)
Unknown
(Percent)
Income was about
the same each
month
8,396
100.0
18.9
40.1
16.5
8.5
14.3
6.9
0.7
Income varied
somewhat from
month to month
2,817
100.0
13.6
50.3
9.4
12.4
14.8
6.2
1.3
Income varied a lot
from month to month
895
100.0
13.7
42.8
19.8
7.2
11.4
8.4
1.1
Unknown
NA
NA
NA
NA
NA
NA
NA
NA
NA
Characteristics
Monthly income
volatility
Row percents may not sum to 100 because households were asked to select all sources of prepaid cards. NA indicates that the sample size is too small to produce a
precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of
rounding.
82 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
D.1 A
FS Use by Bank Account Ownership and Household Characteristics, 2015
For all households, row percent
Number of
Households (1000s)
Percent of
Households
Yes
(Percent)
No
(Percent)
Unknown
(Percent)
127,538
100.0
24.0
70.3
5.8
8,969
100.0
57.3
31.9
10.8
118,569
100.0
21.4
73.2
5.4
Less than $15,000
18,046
100.0
38.6
53.9
7.5
$15,000 to $30,000
21,392
100.0
31.0
62.6
6.4
$30,000 to $50,000
25,336
100.0
26.6
67.8
5.5
$50,000 to $75,000
23,003
100.0
21.0
73.5
5.5
At least $75,000
39,761
100.0
13.5
81.4
5.0
No high school diploma
13,802
100.0
39.0
54.3
6.6
High school diploma
33,239
100.0
27.8
65.9
6.3
Some college
37,512
100.0
25.3
69.3
5.4
College degree
42,985
100.0
15.0
79.6
5.4
15 to 24 years
6,648
100.0
37.8
55.4
6.8
25 to 34 years
21,005
100.0
31.1
63.8
5.1
35 to 44 years
21,640
100.0
28.1
65.8
6.1
45 to 54 years
23,773
100.0
24.8
69.7
5.5
55 to 64 years
23,981
100.0
21.8
72.9
5.4
65 years or more
30,491
100.0
14.1
79.5
6.3
Black
17,961
100.0
42.2
50.5
7.3
Hispanic
16,106
100.0
38.5
54.3
7.2
Asian
6,275
100.0
22.3
69.2
8.5
White
85,428
100.0
17.3
77.7
5.0
Other
1,768
100.0
34.1
60.3
5.5
Disabled, age 25 to 64
11,497
100.0
38.0
56.0
6.0
Not disabled, age 25 to 64
78,902
100.0
24.5
70.0
5.5
Not applicable (not age 25 to 64)
37,139
100.0
18.4
75.2
6.4
Employed
78,152
100.0
24.5
70.0
5.5
Unemployed
3,869
100.0
39.0
55.5
5.5
Not in labor force
45,517
100.0
21.7
71.9
6.3
Homeowner
80,685
100.0
16.5
78.3
5.2
Non-homeowner
46,853
100.0
36.7
56.4
6.8
Characteristics
All
Unbanked
Unbanked
Has bank account
Family income
Education
Age group
Race/Ethnicity
Disability status
Employment status
Homeownership
83 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
D.1 A
FS Use by Bank Account Ownership and Household Characteristics, 2015
For all households, row percent
Number of
Households (1000s)
Percent of
Households
Yes
(Percent)
No
(Percent)
Unknown
(Percent)
Married couple
59,549
100.0
19.5
75.6
4.9
Unmarried female-headed family
15,998
100.0
39.3
54.1
6.6
Unmarried male-headed family
6,143
100.0
33.4
60.0
6.6
Female individual
23,474
100.0
21.2
72.2
6.6
Male individual
22,100
100.0
25.1
68.5
6.4
NA
NA
NA
NA
NA
108,671
100.0
21.9
72.7
5.4
Foreign-born citizen
9,728
100.0
27.7
65.1
7.1
Foreign-born non-citizen
9,140
100.0
44.2
47.1
8.7
124,675
100.0
23.5
70.9
5.7
2,863
100.0
45.7
43.6
10.7
Metropolitan area - principal city
36,531
100.0
29.2
63.9
6.9
Metropolitan area - balance
54,619
100.0
20.5
73.7
5.9
Not in metropolitan area
17,895
100.0
25.5
70.2
4.4
Not identified
18,494
100.0
22.5
72.8
4.7
Northeast
22,699
100.0
22.8
69.9
7.3
Midwest
27,625
100.0
20.8
74.1
5.1
South
48,382
100.0
26.7
67.9
5.4
West
28,832
100.0
23.2
70.8
6.0
Income was about the same each
month
91,549
100.0
22.6
76.6
0.8
Income varied somewhat from
month to month
20,839
100.0
32.6
66.6
0.8
Income varied a lot from month to
month
5,781
100.0
40.3
58.6
1.1
Unknown
9,370
100.0
8.1
23.8
68.1
Characteristics
Household type
Other
Nativity
U.S.-born
Spanish only language spoken
Spanish is not only language
spoken
Spanish is only language spoken
Metropolitan status
Geographic region
Monthly income volatility
NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than
zero. Estimates do not always reconcile to totals because of rounding.
84 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
D.2 AFS Use by Bank Account Ownership and Household Characteristics, 2013-2015
For all households
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
24.9
24.0
(23.5, 24.4)
-0.9*
(-1.5, -0.3)
Unbanked
63.2
57.3
(55.3, 59.3)
-5.9*
(-8.6, -3.1)
Has bank account
21.7
21.4
(21.0, 21.9)
-0.2
(-0.9, 0.4)
Less than $15,000
39.1
38.6
(37.3, 39.9)
-0.5
(-2.3, 1.3)
$15,000 to $30,000
33.1
31.0
(29.9, 32.1)
-2.1*
(-3.6, -0.6)
$30,000 to $50,000
26.5
26.6
(25.7, 27.6)
0.1
(-1.3, 1.6)
$50,000 to $75,000
20.9
21.0
(20.0, 22.0)
0.1
(-1.2, 1.3)
At least $75,000
13.8
13.5
(12.9, 14.2)
-0.3
(-1.1, 0.6)
No high school diploma
39.5
39.0
(37.6, 40.5)
-0.4
(-2.4, 1.5)
High school diploma
28.7
27.8
(26.9, 28.7)
-1.0
(-2.3, 0.4)
Some college
26.9
25.3
(24.5, 26.2)
-1.6*
(-2.7, -0.4)
College degree
14.9
15.0
(14.4, 15.6)
0.1
(-0.7, 1.0)
15 to 24 years
41.5
37.8
(35.4, 40.4)
-3.7*
(-7.0, -0.3)
25 to 34 years
33.6
31.1
(29.9, 32.3)
-2.5*
(-4.3, -0.7)
35 to 44 years
29.6
28.1
(27.1, 29.1)
-1.5*
(-2.9, 0.0)
45 to 54 years
26.7
24.8
(23.8, 25.9)
-1.9*
(-3.2, -0.5)
55 to 64 years
20.9
21.8
(20.8, 22.7)
0.8
(-0.5, 2.2)
65 years or more
13.1
14.1
(13.5, 14.8)
1.1*
(0.2, 2.0)
Black
46.1
42.2
(40.6, 43.8)
-3.9*
(-6.0, -1.8)
Hispanic
40.3
38.5
(36.9, 40.1)
-1.9
(-4.2, 0.4)
Asian
18.6
22.3
(20.2, 24.6)
3.8*
(0.8, 6.8)
White
18.1
17.3
(16.8, 17.8)
-0.8*
(-1.5, -0.1)
Other
36.5
34.1
(30.8, 37.6)
-2.3
(-7.3, 2.7)
Disabled, age 25 to 64
38.7
38.0
(36.5, 39.5)
-0.7
(-2.7, 1.3)
Not disabled, age 25 to 64
26.0
24.5
(23.9, 25.2)
-1.4*
(-2.2, -0.6)
Not applicable (not age 25 to 64)
18.2
18.4
(17.7, 19.1)
0.2
(-0.8, 1.2)
Employed
25.6
24.5
(23.9, 25.1)
-1.1*
(-1.9, -0.3)
Unemployed
41.0
39.0
(36.3, 41.8)
-2.0
(-5.5, 1.5)
Not in labor force
21.6
21.7
(21.1, 22.4)
0.1
(-0.8, 1.1)
Homeowner
17.0
16.5
(16.0, 17.1)
-0.5
(-1.1, 0.2)
Non-homeowner
39.4
36.7
(35.9, 37.6)
-2.7*
(-3.9, -1.5)
Characteristics
All
Unbanked
Family income
Education
Age group
Race/Ethnicity
Disability status
Employment status
Homeownership
85 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
D.2 AFS Use by Bank Account Ownership and Household Characteristics, 2013-2015
For all households
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
Married couple
20.1
19.5
(18.9, 20.1)
-0.6
(-1.4, 0.2)
Unmarried female-headed family
41.3
39.3
(37.8, 40.8)
-2.0
(-4.1, 0.2)
Unmarried male-headed family
37.5
33.4
(31.3, 35.6)
-4.1*
(-7.4, -0.7)
Female individual
21.2
21.2
(20.3, 22.2)
0.1
(-1.3, 1.5)
Male individual
26.2
25.1
(24.0, 26.1)
-1.2
(-2.8, 0.5)
Other
NA
NA
NA
NA
NA
U.S.-born
23.4
21.9
(21.4, 22.4)
-1.4*
(-2.1, -0.8)
Foreign-born citizen
26.9
27.7
(25.9, 29.6)
0.8
(-1.8, 3.4)
Foreign-born non-citizen
42.8
44.2
(42.2, 46.1)
1.4
(-1.2, 4.0)
Spanish is not only language
spoken
24.4
23.5
(23.0, 23.9)
-1.0*
(-1.6, -0.4)
Spanish is only language spoken
46.3
45.7
(42.3, 49.2)
-0.6
(-5.6, 4.4)
Metropolitan area - principal city
29.6
29.2
(28.3, 30.1)
-0.4
(-1.6, 0.9)
Metropolitan area - balance
21.2
20.5
(19.8, 21.1)
-0.8
(-1.7, 0.1)
Not in metropolitan area
26.3
25.5
(23.9, 27.1)
-0.8
(-2.7, 1.1)
Not identified
24.8
22.5
(21.3, 23.8)
-2.3*
(-4.0, -0.6)
Northeast
23.6
22.8
(21.7, 23.9)
-0.8
(-2.2, 0.6)
Midwest
21.0
20.8
(19.8, 21.9)
-0.2
(-1.5, 1.2)
South
29.3
26.7
(26.0, 27.5)
-2.6*
(-3.6, -1.5)
West
22.3
23.2
(22.3, 24.2)
0.9
(-0.5, 2.3)
Characteristics
Household type
Nativity
Spanish only language spoken
Metropolitan status
Geographic region
* indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an
estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
86 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
D.3 Transaction AFS Use by Bank Account Ownership and Household Characteristics, 2015
For all households, row percent
Number of
Households (1000s)
Percent of
Households
Yes
(Percent)
No
(Percent)
Unknown
(Percent)
127,538
100.0
20.2
74.2
5.6
8,969
100.0
54.1
35.3
10.7
118,569
100.0
17.6
77.2
5.2
Less than $15,000
18,046
100.0
33.7
59.0
7.3
$15,000 to $30,000
21,392
100.0
26.8
66.9
6.2
$30,000 to $50,000
25,336
100.0
21.7
73.0
5.3
$50,000 to $75,000
23,003
100.0
17.3
77.4
5.4
At least $75,000
39,761
100.0
11.1
84.0
4.9
No high school diploma
13,802
100.0
34.3
59.3
6.4
High school diploma
33,239
100.0
23.5
70.3
6.2
Some college
37,512
100.0
21.0
73.9
5.2
College degree
42,985
100.0
12.3
82.3
5.3
15 to 24 years
6,648
100.0
33.0
60.6
6.3
25 to 34 years
21,005
100.0
26.6
68.4
4.9
35 to 44 years
21,640
100.0
23.4
70.5
6.1
45 to 54 years
23,773
100.0
20.5
74.1
5.4
55 to 64 years
23,981
100.0
18.3
76.5
5.1
65 years or more
30,491
100.0
11.8
82.1
6.2
Black
17,961
100.0
37.7
55.2
7.1
Hispanic
16,106
100.0
34.7
58.3
7.0
Asian
6,275
100.0
19.5
72.2
8.3
White
85,428
100.0
13.6
81.5
4.9
Other
1,768
100.0
28.5
66.3
5.2
Disabled, age 25 to 64
11,497
100.0
31.4
62.8
5.8
Not disabled, age 25 to 64
78,902
100.0
20.7
74.0
5.3
Not applicable (not age 25 to 64)
37,139
100.0
15.6
78.2
6.2
Employed
78,152
100.0
20.7
73.9
5.3
Unemployed
3,869
100.0
33.5
61.3
5.2
Not in labor force
45,517
100.0
18.1
75.8
6.2
Homeowner
80,685
100.0
13.5
81.5
5.0
Non-homeowner
46,853
100.0
31.7
61.7
6.7
Characteristics
All
Unbanked
Unbanked
Has bank account
Family income
Education
Age group
Race/Ethnicity
Disability status
Employment status
Homeownership
87 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
D.3 Transaction AFS Use by Bank Account Ownership and Household Characteristics, 2015
For all households, row percent
Number of
Households (1000s)
Percent of
Households
Yes
(Percent)
No
(Percent)
Unknown
(Percent)
Married couple
59,549
100.0
16.2
79.0
4.8
Unmarried female-headed family
15,998
100.0
33.9
59.9
6.1
Unmarried male-headed family
6,143
100.0
28.7
65.2
6.1
Female individual
23,474
100.0
17.7
75.9
6.5
Male individual
22,100
100.0
21.2
72.4
6.4
NA
NA
NA
NA
NA
108,671
100.0
17.9
76.8
5.2
Foreign-born citizen
9,728
100.0
25.3
67.7
7.0
Foreign-born non-citizen
9,140
100.0
41.4
50.0
8.6
124,675
100.0
19.6
74.9
5.5
2,863
100.0
43.1
46.2
10.7
Metropolitan area - principal city
36,531
100.0
25.7
67.6
6.7
Metropolitan area - balance
54,619
100.0
17.3
76.9
5.8
Not in metropolitan area
17,895
100.0
20.3
75.6
4.1
Not identified
18,494
100.0
17.6
77.8
4.5
Northeast
22,699
100.0
19.6
73.0
7.3
Midwest
27,625
100.0
17.1
78.0
4.9
South
48,382
100.0
22.7
72.1
5.2
West
28,832
100.0
19.2
75.1
5.7
Income was about the same each
month
91,549
100.0
18.9
80.4
0.7
Income varied somewhat from
month to month
20,839
100.0
27.7
71.6
0.7
Income varied a lot from month to
month
5,781
100.0
34.3
64.7
1.0
Unknown
9,370
100.0
6.9
25.5
67.7
Characteristics
Household type
Other
Nativity
U.S.-born
Spanish only language spoken
Spanish is not only language
spoken
Spanish is only language spoken
Metropolitan status
Geographic region
Monthly income volatility
NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than
zero. Estimates do not always reconcile to totals because of rounding.
88 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
D.4 T
ransaction AFS Use by Bank Account Ownership and Household Characteristics, 2011-2015
For all households
2011
(Percent)
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
23.3
21.9
20.2
(19.8, 20.6)
-1.7*
(-2.3, -1.2)
Unbanked
62.1
60.5
54.1
(52.1, 56.1)
-6.5*
(-9.1, -3.8)
Has bank account
19.8
18.6
17.6
(17.2, 18.0)
-1.0*
(-1.6, -0.5)
Less than $15,000
36.2
35.4
33.7
(32.5, 35.0)
-1.6
(-3.4, 0.1)
$15,000 to $30,000
30.3
29.1
26.8
(25.8, 27.9)
-2.2*
(-3.8, -0.7)
$30,000 to $50,000
24.1
22.6
21.7
(20.8, 22.7)
-0.8
(-2.1, 0.5)
$50,000 to $75,000
18.5
17.9
17.3
(16.4, 18.2)
-0.6
(-1.7, 0.6)
At least $75,000
13.2
12.5
11.1
(10.5, 11.7)
-1.4*
(-2.1, -0.6)
No high school diploma
37.6
36.0
34.3
(32.9, 35.7)
-1.7
(-3.5, 0.2)
High school diploma
26.8
25.0
23.5
(22.7, 24.3)
-1.4*
(-2.6, -0.3)
Some college
23.9
23.1
21.0
(20.2, 21.8)
-2.1*
(-3.2, -1.1)
College degree
14.0
13.4
12.3
(11.8, 12.9)
-1.0*
(-1.8, -0.3)
15 to 24 years
39.9
37.2
33.0
(30.7, 35.5)
-4.2*
(-7.4, -1.0)
25 to 34 years
30.6
29.5
26.6
(25.5, 27.7)
-2.9*
(-4.6, -1.2)
35 to 44 years
26.8
25.4
23.4
(22.5, 24.4)
-1.9*
(-3.3, -0.6)
45 to 54 years
24.4
23.3
20.5
(19.5, 21.5)
-2.8*
(-4.1, -1.5)
55 to 64 years
20.0
18.4
18.3
(17.5, 19.3)
0.0
(-1.2, 1.2)
65 years or more
12.1
12.0
11.8
(11.1, 12.4)
-0.2
(-1.1, 0.6)
Black
44.7
41.9
37.7
(36.2, 39.3)
-4.2*
(-6.3, -2.1)
Hispanic
39.5
36.8
34.7
(33.1, 36.3)
-2.1
(-4.4, 0.1)
Asian
16.7
17.3
19.5
(17.6, 21.6)
2.2
(-0.5, 4.9)
White
16.7
15.4
13.6
(13.2, 14.0)
-1.7*
(-2.4, -1.1)
Other
32.2
32.3
28.5
(25.3, 31.9)
-3.8
(-8.6, 1.0)
Disabled, age 25 to 64
34.5
32.8
31.4
(30.0, 32.8)
-1.4
(-3.3, 0.5)
Not disabled, age 25 to 64
24.0
22.7
20.7
(20.2, 21.3)
-2.0*
(-2.8, -1.3)
Not applicable (not age 25 to 64)
17.6
16.5
15.6
(14.9, 16.2)
-1.0*
(-1.9, -0.1)
Employed
23.1
22.4
20.7
(20.2, 21.3)
-1.7*
(-2.4, -1.0)
Unemployed
39.0
35.6
33.5
(30.9, 36.3)
-2.0
(-5.3, 1.2)
Not in labor force
21.0
19.2
18.1
(17.5, 18.7)
-1.1*
(-2.0, -0.2)
Homeowner
16.1
14.7
13.5
(13.0, 14.0)
-1.2*
(-1.8, -0.6)
Non-homeowner
37.0
35.2
31.7
(30.9, 32.5)
-3.5*
(-4.6, -2.4)
Characteristics
All
Unbanked
Family income
Education
Age group
Race/Ethnicity
Disability status
Employment status
Homeownership
89 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
D.4 T
ransaction AFS Use by Bank Account Ownership and Household Characteristics, 2011-2015
For all households
2011
(Percent)
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
Married couple
19.2
17.6
16.2
(15.6, 16.8)
-1.4*
(-2.1, -0.6)
Unmarried female-headed family
38.9
36.0
33.9
(32.5, 35.4)
-2.1*
(-4.1, 0.0)
Unmarried male-headed family
36.5
33.0
28.7
(26.7, 30.8)
-4.3*
(-7.5, -1.1)
Female individual
17.9
18.7
17.7
(16.8, 18.5)
-1.0
(-2.3, 0.2)
Male individual
24.7
23.5
21.2
(20.3, 22.1)
-2.4*
(-3.8, -0.8)
Other
NA
NA
NA
NA
NA
NA
U.S.-born
21.8
20.1
17.9
(17.5, 18.4)
-2.2*
(-2.8, -1.6)
Foreign-born citizen
24.0
25.2
25.3
(23.6, 27.2)
0.1
(-2.3, 2.6)
Foreign-born non-citizen
42.1
41.4
41.4
(39.5, 43.4)
0.0
(-2.6, 2.6)
Spanish is not only language spoken
22.7
21.4
19.6
(19.2, 20.1)
-1.7*
(-2.3, -1.2)
Spanish is only language spoken
51.1
45.3
43.1
(39.7, 46.6)
-2.2
(-7.2, 2.8)
Metropolitan area - principal city
28.1
26.7
25.7
(24.8, 26.6)
-1.0
(-2.2, 0.2)
Metropolitan area - balance
20.5
18.8
17.3
(16.7, 17.9)
-1.5*
(-2.3, -0.7)
Not in metropolitan area
23.1
22.3
20.3
(18.9, 21.7)
-2.0*
(-3.8, -0.3)
Not identified
21.8
21.0
17.6
(16.6, 18.8)
-3.4*
(-4.9, -1.9)
Northeast
21.3
21.7
19.6
(18.6, 20.7)
-2.1*
(-3.4, -0.7)
Midwest
20.0
18.0
17.1
(16.2, 18.0)
-0.9
(-2.1, 0.3)
South
27.2
25.6
22.7
(22.0, 23.5)
-2.9*
(-3.9, -1.9)
West
21.6
19.5
19.2
(18.3, 20.1)
-0.3
(-1.7, 1.1)
Characteristics
Household type
Nativity
Spanish only language spoken
Metropolitan status
Geographic region
* indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an
estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
90 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
D.5 C
redit AFS Use by Bank Account Ownership and Household Characteristics, 2015
For all households, row percent
Number of
Households (1000s)
Percent of
Households
Yes
(Percent)
No
(Percent)
Unknown
(Percent)
127,538
100.0
7.7
86.9
5.5
8,969
100.0
16.5
72.9
10.6
118,569
100.0
7.0
87.9
5.1
Less than $15,000
18,046
100.0
12.0
80.5
7.5
$15,000 to $30,000
21,392
100.0
10.2
83.8
6.0
$30,000 to $50,000
25,336
100.0
9.6
85.1
5.3
$50,000 to $75,000
23,003
100.0
6.6
88.2
5.2
At least $75,000
39,761
100.0
3.7
91.8
4.6
No high school diploma
13,802
100.0
11.3
82.2
6.6
High school diploma
33,239
100.0
9.8
84.2
6.0
Some college
37,512
100.0
8.7
86.1
5.2
College degree
42,985
100.0
3.9
91.2
4.9
15 to 24 years
6,648
100.0
13.1
80.8
6.2
25 to 34 years
21,005
100.0
11.4
83.7
4.9
35 to 44 years
21,640
100.0
9.6
84.7
5.6
45 to 54 years
23,773
100.0
8.0
86.6
5.4
55 to 64 years
23,981
100.0
5.9
89.1
5.0
65 years or more
30,491
100.0
3.6
90.4
6.0
Black
17,961
100.0
12.9
79.6
7.5
Hispanic
16,106
100.0
9.7
83.5
6.8
Asian
6,275
100.0
4.6
88.2
7.2
White
85,428
100.0
6.2
89.1
4.7
Other
1,768
100.0
16.1
79.1
4.9
Disabled, age 25 to 64
11,497
100.0
14.6
79.7
5.7
Not disabled, age 25 to 64
78,902
100.0
7.8
87.1
5.2
Not applicable (not age 25 to 64)
37,139
100.0
5.3
88.7
6.0
Employed
78,152
100.0
7.8
87.1
5.1
Unemployed
3,869
100.0
14.9
80.1
4.9
Not in labor force
45,517
100.0
6.8
87.1
6.1
Homeowner
80,685
100.0
5.1
90.1
4.9
Non-homeowner
46,853
100.0
12.2
81.4
6.4
Characteristics
All
Unbanked
Unbanked
Has bank account
Family income
Education
Age group
Race/Ethnicity
Disability status
Employment status
Homeownership
91 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
D.5 C
redit AFS Use by Bank Account Ownership and Household Characteristics, 2015
For all households, row percent
Number of
Households (1000s)
Percent of
Households
Yes
(Percent)
No
(Percent)
Unknown
(Percent)
Married couple
59,549
100.0
6.2
89.2
4.6
Unmarried female-headed family
15,998
100.0
14.5
79.1
6.4
Unmarried male-headed family
6,143
100.0
9.7
83.5
6.8
Female individual
23,474
100.0
6.4
87.5
6.1
Male individual
22,100
100.0
7.4
86.6
6.0
NA
NA
NA
NA
NA
108,671
100.0
7.9
87.0
5.1
Foreign-born citizen
9,728
100.0
4.7
88.9
6.5
Foreign-born non-citizen
9,140
100.0
8.5
83.3
8.2
124,675
100.0
7.7
87.0
5.3
2,863
100.0
7.5
81.8
10.7
Metropolitan area - principal city
36,531
100.0
8.2
85.3
6.6
Metropolitan area - balance
54,619
100.0
6.1
88.3
5.5
Not in metropolitan area
17,895
100.0
9.9
86.1
4.0
Not identified
18,494
100.0
9.1
86.5
4.4
Northeast
22,699
100.0
5.6
87.9
6.5
Midwest
27,625
100.0
7.3
87.8
4.9
South
48,382
100.0
9.0
85.8
5.2
West
28,832
100.0
7.4
86.9
5.6
Income was about the same each month
91,549
100.0
6.9
92.6
0.6
Income varied somewhat from month to month
20,839
100.0
11.4
87.9
0.7
Income varied a lot from month to month
5,781
100.0
15.7
83.7
0.6
Unknown
9,370
100.0
2.2
31.0
66.8
Characteristics
Household type
Other
Nativity
U.S.-born
Spanish only language spoken
Spanish is not only language spoken
Spanish is only language spoken
Metropolitan status
Geographic region
Monthly income volatility
NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than
zero. Estimates do not always reconcile to totals because of rounding.
92 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
D.6 C
redit AFS Use by Bank Account Ownership and Household Characteristics, 2013-2015
For all households
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
7.0
7.7
(7.4, 8.0)
0.6*
(0.3, 1.0)
Unbanked
16.7
16.5
(15.1, 18.0)
-0.2
(-2.1, 1.7)
Has bank account
6.2
7.0
(6.7, 7.3)
0.8*
(0.4, 1.1)
Less than $15,000
11.4
12.0
(11.1, 12.9)
0.6
(-0.6, 1.8)
$15,000 to $30,000
11.0
10.2
(9.5, 11.0)
-0.8
(-1.8, 0.2)
$30,000 to $50,000
8.1
9.6
(8.9, 10.4)
1.5*
(0.6, 2.4)
$50,000 to $75,000
5.4
6.6
(6.1, 7.2)
1.2*
(0.5, 2.0)
At least $75,000
2.6
3.7
(3.4, 4.0)
1.1*
(0.7, 1.5)
No high school diploma
11.4
11.3
(10.4, 12.2)
-0.2
(-1.4, 1.1)
High school diploma
8.6
9.8
(9.2, 10.5)
1.2*
(0.5, 2.0)
Some college
8.8
8.7
(8.2, 9.3)
0.0
(-0.8, 0.7)
College degree
2.7
3.9
(3.6, 4.3)
1.3*
(0.8, 1.7)
15 to 24 years
12.5
13.1
(11.5, 14.8)
0.5
(-1.8, 2.8)
25 to 34 years
10.7
11.4
(10.6, 12.3)
0.8
(-0.4, 1.9)
35 to 44 years
9.6
9.6
(8.9, 10.4)
0.0
(-1.0, 1.1)
45 to 54 years
8.1
8.0
(7.5, 8.6)
-0.1
(-0.9, 0.7)
55 to 64 years
5.0
5.9
(5.4, 6.4)
0.9*
(0.1, 1.6)
65 years or more
1.9
3.6
(3.2, 4.0)
1.7*
(1.2, 2.1)
Black
13.6
12.9
(11.9, 14.0)
-0.6
(-2.0, 0.7)
Hispanic
9.5
9.7
(8.8, 10.7)
0.3
(-1.0, 1.5)
Asian
2.4
4.6
(3.6, 6.0)
2.2*
(0.8, 3.6)
White
5.5
6.2
(5.9, 6.5)
0.7*
(0.3, 1.1)
Other
11.5
16.1
(13.7, 18.8)
4.6*
(1.1, 8.0)
Disabled, age 25 to 64
14.5
14.6
(13.5, 15.8)
0.2
(-1.3, 1.6)
Not disabled, age 25 to 64
7.4
7.8
(7.4, 8.1)
0.4
(-0.1, 0.8)
Not applicable (not age 25 to 64)
3.8
5.3
(4.9, 5.8)
1.5*
(0.9, 2.0)
Employed
7.2
7.8
(7.4, 8.2)
0.6*
(0.1, 1.1)
Unemployed
16.0
14.9
(12.9, 17.3)
-1.1
(-3.9, 1.8)
Not in labor force
5.6
6.8
(6.4, 7.3)
1.2*
(0.6, 1.8)
Homeowner
4.2
5.1
(4.8, 5.4)
0.9*
(0.5, 1.2)
Non-homeowner
12.3
12.2
(11.6, 12.7)
-0.1
(-0.9, 0.6)
Characteristics
All
Unbanked
Family income
Education
Age group
Race/Ethnicity
Disability status
Employment status
Homeownership
93 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
D.6 C
redit AFS Use by Bank Account Ownership and Household Characteristics, 2013-2015
For all households
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
Married couple
5.2
6.2
(5.8, 6.6)
1.0*
(0.5, 1.4)
Unmarried female-headed family
15.1
14.5
(13.5, 15.6)
-0.6
(-2.0, 0.8)
Unmarried male-headed family
12.4
9.7
(8.5, 11.2)
-2.7*
(-4.8, -0.5)
Female individual
5.3
6.4
(5.8, 7.0)
1.1*
(0.4, 1.9)
Male individual
6.2
7.4
(6.8, 8.0)
1.1*
(0.3, 1.9)
Other
NA
NA
NA
NA
NA
U.S.-born
7.4
7.9
(7.5, 8.2)
0.5*
(0.0, 0.9)
Foreign-born citizen
3.8
4.7
(3.9, 5.6)
0.8
(-0.2, 1.9)
Foreign-born non-citizen
6.0
8.5
(7.4, 9.8)
2.5*
(1.1, 4.0)
Spanish is not only language spoken
7.1
7.7
(7.4, 8.0)
0.6*
(0.2, 1.0)
Spanish is only language spoken
4.7
7.5
(5.8, 9.5)
2.7*
(0.5, 5.0)
Metropolitan area - principal city
7.9
8.2
(7.6, 8.7)
0.3
(-0.5, 1.0)
Metropolitan area - balance
5.5
6.1
(5.8, 6.5)
0.7*
(0.2, 1.1)
Not in metropolitan area
8.3
9.9
(9.0, 10.8)
1.6*
(0.4, 2.7)
Not identified
8.4
9.1
(8.3, 9.9)
0.7
(-0.4, 1.7)
Northeast
4.3
5.6
(5.0, 6.2)
1.3*
(0.5, 2.0)
Midwest
6.4
7.3
(6.6, 8.0)
0.9
(0.0, 1.7)
South
9.0
9.0
(8.5, 9.5)
0.0
(-0.7, 0.6)
West
6.4
7.4
(6.9, 7.9)
1.0*
(0.3, 1.8)
Characteristics
Household type
Nativity
Spanish only language spoken
Metropolitan status
Geographic region
* indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an
estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
94 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
D.7 A
FS Use by State, 2013-2015
For all households
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
24.9
24.0
(23.5, 24.4)
-0.9*
(-1.5, -0.3)
AL
33.6
31.1
(26.7, 35.9)
-2.5
(-8.0, 3.0)
AK
20.7
28.7
(24.2, 33.7)
8.0*
(2.7, 13.3)
AZ
23.0
22.2
(19.3, 25.5)
-0.7
(-5.8, 4.3)
AR
34.4
29.0
(25.2, 33.1)
-5.3*
(-9.4, -1.2)
CA
22.3
22.6
(21.3, 24.1)
0.3
(-1.7, 2.4)
CO
22.0
20.5
(17.1, 24.3)
-1.5
(-6.0, 3.0)
CT
17.8
16.5
(13.1, 20.5)
-1.3
(-5.7, 3.1)
DE
21.4
17.8
(14.9, 21.1)
-3.7
(-7.5, 0.2)
DC
30.6
31.8
(28.8, 35.0)
1.2
(-3.3, 5.7)
FL
22.7
20.8
(18.9, 22.8)
-1.9
(-4.6, 0.8)
GA
33.9
32.4
(29.1, 36.0)
-1.5
(-5.6, 2.6)
HI
21.4
17.5
(14.6, 20.9)
-3.9
(-8.0, 0.3)
ID
23.3
25.0
(21.2, 29.2)
1.7
(-3.5, 7.0)
IL
19.2
18.1
(16.0, 20.4)
-1.1
(-4.0, 1.8)
IN
21.8
20.8
(17.3, 24.9)
-0.9
(-5.5, 3.7)
IA
17.9
20.1
(17.2, 23.3)
2.2
(-2.6, 7.0)
KS
27.0
22.2
(19.3, 25.5)
-4.8*
(-9.3, -0.2)
KY
29.9
24.4
(19.9, 29.6)
-5.4
(-12.1, 1.2)
LA
32.7
32.7
(30.1, 35.3)
-0.1
(-4.7, 4.5)
ME
20.7
18.5
(15.6, 21.7)
-2.2
(-6.3, 1.8)
MD
26.7
25.0
(21.9, 28.4)
-1.7
(-5.8, 2.4)
MA
20.8
19.9
(17.3, 22.7)
-0.9
(-5.0, 3.1)
MI
21.4
23.3
(19.7, 27.3)
1.9
(-2.5, 6.3)
MN
14.9
15.7
(12.8, 19.2)
0.8
(-2.8, 4.4)
MS
40.5
32.7
(28.8, 36.8)
-7.8*
(-13.5, -2.1)
MO
25.4
27.5
(24.2, 31.2)
2.1
(-2.8, 7.0)
MT
21.5
15.7
(13.7, 17.9)
-5.8*
(-10.1, -1.5)
NE
23.6
24.0
(20.5, 28.0)
0.4
(-4.9, 5.8)
NV
29.9
32.8
(28.9, 37.0)
2.9
(-2.4, 8.2)
NH
15.9
19.6
(16.7, 22.8)
3.7
(-0.3, 7.6)
NJ
25.4
18.7
(16.0, 21.6)
-6.7*
(-10.2, -3.2)
NM
30.0
32.6
(28.6, 37.0)
2.6
(-3.4, 8.7)
NY
24.9
28.7
(26.7, 30.8)
3.8*
(1.1, 6.5)
NC
26.5
24.9
(22.7, 27.3)
-1.6
(-5.4, 2.3)
ND
21.7
22.0
(17.2, 27.6)
0.3
(-5.7, 6.3)
OH
25.2
21.4
(19.3, 23.7)
-3.8*
(-6.9, -0.7)
OK
29.4
32.7
(29.2, 36.4)
3.2
(-2.8, 9.3)
Geography
All
State
95 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
D.7 A
FS Use by State, 2013-2015
For all households
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
OR
20.6
23.7
(20.3, 27.5)
3.2
(-1.0, 7.3)
PA
25.5
21.3
(19.0, 23.9)
-4.1*
(-7.1, -1.1)
RI
16.7
18.8
(15.5, 22.6)
2.1
(-2.4, 6.6)
SC
32.3
29.5
(26.5, 32.7)
-2.8
(-6.9, 1.2)
SD
21.2
23.4
(16.5, 31.9)
2.2
(-6.0, 10.4)
TN
23.9
24.3
(21.5, 27.4)
0.4
(-3.8, 4.6)
TX
34.3
29.1
(27.2, 31.0)
-5.2*
(-8.1, -2.4)
UT
15.0
23.1
(20.1, 26.5)
8.1*
(3.7, 12.4)
VT
18.4
13.9
(11.6, 16.5)
-4.5*
(-8.0, -1.1)
VA
23.4
22.5
(19.2, 26.2)
-0.9
(-5.4, 3.5)
WA
20.2
23.7
(20.5, 27.2)
3.5
(-1.0, 7.9)
WV
27.2
22.1
(18.8, 25.7)
-5.1*
(-10.1, 0.0)
WI
13.3
17.8
(14.1, 22.1)
4.5
(-0.3, 9.2)
WY
25.2
21.9
(18.7, 25.4)
-3.4
(-9.1, 2.3)
Geography
* indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an
estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
96 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
D.8 Transaction AFS Use by State, 2011-2015
For all households
2011
(Percent)
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
23.3
21.9
20.2
(19.8, 20.6)
-1.7*
(-2.3, -1.2)
AL
31.7
28.7
27.7
(23.5, 32.4)
-1.0
(-6.5, 4.5)
AK
21.0
17.1
21.3
(17.6, 25.4)
4.2
(-0.5, 8.8)
AZ
25.9
19.1
19.3
(16.0, 23.0)
0.2
(-5.1, 5.4)
AR
32.8
31.1
23.4
(20.2, 27.0)
-7.7*
(-11.5, -3.9)
CA
21.9
19.9
18.5
(17.2, 19.9)
-1.3
(-3.2, 0.6)
CO
16.9
18.3
15.5
(12.2, 19.4)
-2.9
(-6.9, 1.1)
CT
15.5
16.0
14.3
(11.2, 18.1)
-1.7
(-5.8, 2.5)
DE
18.6
18.7
16.0
(13.4, 19.1)
-2.7
(-6.4, 1.0)
DC
28.2
28.4
29.5
(26.5, 32.6)
1.1
(-3.5, 5.6)
FL
23.6
20.0
18.2
(16.3, 20.2)
-1.8
(-4.4, 0.8)
GA
30.9
31.4
29.1
(25.8, 32.6)
-2.3
(-6.5, 1.9)
HI
20.3
18.5
15.1
(12.2, 18.5)
-3.4
(-7.5, 0.7)
ID
20.2
19.5
18.1
(14.1, 23.0)
-1.4
(-6.8, 4.1)
IL
21.0
17.5
16.3
(14.4, 18.4)
-1.2
(-3.8, 1.5)
IN
20.9
18.8
17.0
(13.8, 20.8)
-1.8
(-6.2, 2.7)
IA
17.9
14.8
14.9
(12.1, 18.3)
0.1
(-4.0, 4.2)
KS
22.9
24.6
17.4
(14.9, 20.2)
-7.3*
(-11.4, -3.2)
KY
25.1
24.6
19.6
(16.3, 23.5)
-5.0*
(-9.8, -0.1)
LA
31.9
29.9
28.1
(25.6, 30.7)
-1.8
(-5.5, 1.9)
ME
18.5
16.0
13.2
(10.8, 16.1)
-2.8
(-6.2, 0.7)
MD
23.7
25.5
21.1
(18.3, 24.1)
-4.4*
(-8.2, -0.6)
MA
15.8
18.7
18.5
(16.1, 21.3)
-0.2
(-4.1, 3.7)
MI
20.8
18.3
20.3
(16.9, 24.0)
2.0
(-2.2, 6.1)
MN
12.8
12.9
11.5
(9.0, 14.5)
-1.4
(-4.5, 1.7)
MS
31.4
34.5
28.3
(24.3, 32.7)
-6.2*
(-11.6, -0.9)
MO
24.5
21.2
23.8
(20.9, 26.9)
2.6
(-1.6, 6.8)
MT
21.3
17.9
11.7
(10.0, 13.6)
-6.3*
(-10.4, -2.1)
NE
18.1
20.1
17.9
(15.0, 21.1)
-2.3
(-6.5, 1.9)
NV
32.2
26.4
28.6
(25.0, 32.5)
2.2
(-3.0, 7.3)
NH
12.6
14.2
16.1
(13.5, 19.1)
1.9
(-1.8, 5.5)
NJ
23.5
23.9
16.2
(13.8, 18.8)
-7.7*
(-10.9, -4.5)
NM
28.0
25.9
27.8
(23.9, 32.1)
1.9
(-4.0, 7.8)
NY
24.8
23.3
25.4
(23.6, 27.3)
2.1
(-0.6, 4.8)
NC
25.5
21.9
21.6
(19.3, 24.0)
-0.4
(-4.2, 3.5)
ND
18.6
17.2
16.3
(12.4, 21.3)
-0.8
(-6.1, 4.5)
OH
20.9
20.9
17.4
(15.5, 19.4)
-3.5*
(-6.4, -0.6)
OK
28.4
24.0
27.3
(23.7, 31.3)
3.4
(-2.7, 9.4)
Geography
All
State
97 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
D.8 Transaction AFS Use by State, 2011-2015
For all households
2011
(Percent)
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
OR
16.0
18.3
20.4
(17.3, 24.0)
2.1
(-2.0, 6.3)
PA
20.4
23.3
16.9
(14.8, 19.2)
-6.4*
(-9.1, -3.8)
RI
19.2
14.6
17.0
(13.8, 20.8)
2.4
(-2.0, 6.7)
SC
24.3
27.2
24.7
(22.0, 27.8)
-2.4
(-6.4, 1.6)
SD
21.8
16.5
17.5
(10.7, 27.3)
1.0
(-7.3, 9.4)
TN
23.6
20.3
18.5
(15.6, 21.9)
-1.8
(-6.5, 2.9)
TX
32.7
30.0
24.3
(22.6, 26.2)
-5.7*
(-8.3, -3.0)
UT
18.8
13.1
18.8
(15.9, 22.1)
5.7*
(1.6, 9.8)
VT
17.5
15.8
11.9
(9.8, 14.5)
-3.9*
(-7.2, -0.5)
VA
17.8
20.5
19.1
(16.2, 22.5)
-1.4
(-5.6, 2.8)
WA
18.2
17.4
20.4
(17.4, 23.8)
3.0
(-1.0, 7.0)
WV
22.8
23.6
18.5
(14.9, 22.7)
-5.1
(-10.4, 0.2)
WI
15.8
11.9
12.8
(9.9, 16.3)
0.9
(-3.0, 4.7)
WY
23.3
21.8
17.8
(15.1, 21.0)
-4.0
(-8.9, 1.0)
Geography
* indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an
estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
98 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
D.9 Credit AFS Use by State, 2013-2015
For all households
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
7.0
7.7
(7.4, 8.0)
0.6*
(0.3, 1.0)
AL
11.9
10.4
(8.6, 12.6)
-1.4
(-5.0, 2.1)
AK
6.3
10.5
(8.0, 13.7)
4.2*
(0.8, 7.7)
AZ
9.4
6.2
(4.7, 8.2)
-3.2*
(-6.1, -0.3)
AR
11.2
10.3
(8.6, 12.3)
-1.0
(-4.0, 2.1)
CA
5.3
7.1
(6.3, 8.0)
1.8*
(0.7, 3.0)
CO
7.8
7.4
(5.7, 9.6)
-0.4
(-3.3, 2.4)
CT
3.2
3.8
(2.5, 5.7)
0.5
(-1.4, 2.5)
DE
5.9
4.1
(2.5, 6.6)
-1.8
(-4.2, 0.6)
DC
3.8
6.1
(4.7, 7.8)
2.2*
(0.3, 4.1)
FL
6.3
6.6
(5.7, 7.7)
0.3
(-0.9, 1.6)
GA
8.3
10.4
(8.4, 12.7)
2.1
(-0.8, 5.0)
HI
5.4
4.4
(3.0, 6.4)
-1.0
(-3.4, 1.4)
ID
8.5
10.7
(8.1, 14.0)
2.1
(-1.6, 5.8)
IL
5.3
4.7
(3.4, 6.4)
-0.6
(-2.5, 1.3)
IN
6.6
8.0
(6.0, 10.5)
1.4
(-1.4, 4.1)
IA
5.7
9.9
(7.8, 12.4)
4.2*
(1.2, 7.2)
KS
8.1
8.3
(6.2, 11.0)
0.2
(-2.9, 3.3)
KY
8.9
10.7
(7.2, 15.6)
1.7
(-3.0, 6.5)
LA
7.8
10.7
(9.1, 12.5)
2.9*
(0.4, 5.4)
ME
7.9
6.5
(4.8, 8.8)
-1.4
(-4.1, 1.4)
MD
4.0
7.3
(5.1, 10.3)
3.3*
(0.5, 6.1)
MA
4.2
3.0
(2.0, 4.6)
-1.2
(-3.0, 0.6)
MI
5.9
8.3
(6.0, 11.3)
2.4
(-0.4, 5.2)
MN
5.5
6.0
(4.5, 8.0)
0.5
(-1.5, 2.4)
MS
13.6
11.9
(9.5, 14.8)
-1.8
(-5.2, 1.6)
MO
8.7
8.6
(6.7, 10.9)
-0.2
(-3.0, 2.6)
MT
7.7
5.8
(4.4, 7.5)
-1.9
(-4.7, 0.8)
NE
6.9
8.2
(5.9, 11.4)
1.4
(-2.0, 4.8)
NV
8.8
10.0
(7.6, 13.1)
1.2
(-2.0, 4.4)
NH
3.5
5.3
(3.9, 7.1)
1.8
(-0.2, 3.7)
NJ
3.8
4.0
(2.7, 5.8)
0.2
(-2.0, 2.3)
NM
10.3
10.7
(8.9, 12.8)
0.3
(-2.9, 3.6)
NY
4.5
6.8
(5.7, 8.1)
2.3*
(0.8, 3.7)
NC
9.3
6.6
(5.2, 8.3)
-2.7*
(-4.8, -0.6)
ND
6.8
7.2
(5.5, 9.4)
0.4
(-2.2, 3.0)
OH
8.7
7.7
(6.5, 9.1)
-1.0
(-2.9, 0.9)
OK
13.1
13.7
(11.1, 16.7)
0.6
(-2.9, 4.0)
Geography
All
State
99 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
D.9 Credit AFS Use by State, 2013-2015
For all households
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
OR
6.0
7.0
(5.1, 9.7)
1.0
(-1.5, 3.6)
PA
4.4
7.0
(5.6, 8.7)
2.6*
(0.7, 4.5)
RI
5.2
2.9
(1.7, 4.9)
-2.3*
(-4.4, -0.2)
SC
12.7
9.3
(7.4, 11.7)
-3.4*
(-6.3, -0.5)
SD
7.8
10.6
(7.7, 14.3)
2.8
(-1.1, 6.6)
TN
8.9
11.3
(9.3, 13.7)
2.4
(-0.3, 5.1)
TX
11.4
10.4
(9.1, 11.8)
-1.0
(-2.9, 0.8)
UT
4.8
8.7
(6.5, 11.4)
3.9*
(1.0, 6.8)
VT
3.9
3.6
(2.5, 5.0)
-0.3
(-2.2, 1.5)
VA
6.5
5.4
(3.9, 7.3)
-1.1
(-3.7, 1.4)
WA
5.7
7.5
(5.7, 9.9)
1.9
(-0.9, 4.6)
WV
7.8
8.2
(7.2, 9.3)
0.4
(-2.1, 2.9)
WI
2.6
6.9
(4.9, 9.7)
4.3*
(1.7, 7.0)
WY
10.1
7.9
(5.9, 10.6)
-2.1
(-6.6, 2.3)
Geography
* indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an
estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
100 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
D.10 AFS Use by MSA, 2013-2015
For all households
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
24.9
24.0
(23.5, 24.4)
-0.9*
(-1.5, -0.3)
Albuquerque, NM
34.3
25.3
(20.4, 30.9)
-9.0*
(-17.1, -0.9)
Atlanta-Sandy Springs-Roswell, GA~
34.0
32.8
(28.7, 37.3)
-1.1
(-7.2, 4.9)
Austin-Round Rock, TX
17.9
18.6
(12.6, 26.5)
0.7
(-8.7, 10.1)
Baltimore-Columbia-Towson, MD
28.5
25.3
(20.3, 31.0)
-3.2
(-9.6, 3.3)
Baton Rouge, LA
NA
31.4
(24.5, 39.3)
NA
NA
Billings, MT~
NA
18.0
(11.9, 26.3)
NA
NA
Birmingham-Hoover, AL
27.9
25.3
(19.8, 31.7)
-2.6
(-12.3, 7.1)
Boise City, ID
21.5
18.3
(13.5, 24.3)
-3.2
(-11.1, 4.8)
Boston-Cambridge-Newton, MA-NH~
19.1
21.0
(17.6, 24.9)
1.9
(-2.9, 6.8)
Bridgeport-Stamford-Norwalk, CT~
13.5
16.5
(11.1, 23.9)
3.0
(-4.3, 10.3)
Geography
All
MSA
Burlington-South Burlington, VT~
17.3
12.3
(8.6, 17.2)
-5.0
(-10.7, 0.7)
Charlotte-Concord-Gastonia, NC-SC~
33.0
30.0
(24.4, 36.2)
-3.0
(-11.5, 5.5)
Chicago-Naperville-Elgin, IL-IN-WI
18.5
18.7
(16.4, 21.3)
0.2
(-3.5, 3.8)
Cincinnati, OH-KY-IN~
29.4
15.9
(11.4, 21.6)
-13.5*
(-21.3, -5.7)
Cleveland-Elyria, OH
23.0
15.5
(11.6, 20.4)
-7.5*
(-13.9, -1.1)
Columbia, SC
34.6
29.1
(21.4, 38.1)
-5.5
(-15.9, 4.9)
Columbus, OH~
31.7
27.7
(22.4, 33.7)
-4.1
(-12.5, 4.4)
Dallas-Fort Worth-Arlington, TX~
33.4
35.7
(31.9, 39.7)
2.3
(-3.2, 7.7)
Denver-Aurora-Lakewood, CO
21.5
18.1
(13.5, 23.6)
-3.4
(-9.8, 2.9)
Detroit-Warren-Dearborn, MI
22.1
22.7
(19.4, 26.4)
0.6
(-4.6, 5.8)
Fargo, ND-MN
26.7
23.1
(17.3, 30.1)
-3.6
(-12.4, 5.3)
Grand Rapids-Wyoming, MI~
17.4
18.2
(12.1, 26.5)
0.9
(-9.1, 10.8)
Greenville-Anderson-Mauldin, SC~
NA
30.2
(23.0, 38.4)
NA
NA
Hartford-West Hartford-East Hartford, CT~
21.3
18.3
(13.0, 25.1)
-3.0
(-10.4, 4.5)
Houston-The Woodlands-Sugar Land, TX~
36.6
27.2
(23.8, 31.0)
-9.4*
(-14.8, -4.0)
Indianapolis-Carmel-Anderson, IN~
24.1
25.3
(19.5, 32.1)
1.2
(-6.6, 9.1)
Jackson, MS~
NA
31.5
(25.5, 38.2)
NA
NA
Kansas City, MO-KS~
26.3
26.5
(21.5, 32.1)
0.2
(-7.9, 8.3)
Las Vegas-Henderson-Paradise, NV
29.8
35.6
(31.1, 40.4)
5.7
(-0.6, 12.1)
Little Rock-North Little Rock-Conway, AR
30.7
34.1
(27.9, 40.8)
3.3
(-6.8, 13.4)
Los Angeles-Long Beach-Anaheim, CA
22.8
24.5
(21.9, 27.3)
1.7
(-1.6, 5.1)
Louisville/Jefferson County, KY-IN~
29.4
24.7
(17.8, 33.1)
-4.8
(-15.9, 6.4)
Manchester-Nashua, NH~
NA
25.8
(19.8, 32.7)
NA
NA
Memphis, TN-MS-AR~
34.6
25.0
(19.3, 31.7)
-9.6
(-19.6, 0.5)
Miami-Fort Lauderdale-West Palm Beach, FL
17.1
21.8
(18.4, 25.7)
4.7
(-0.4, 9.8)
Milwaukee-Waukesha-West Allis, WI
14.8
18.6
(14.1, 24.1)
3.9
(-2.6, 10.4)
Minneapolis-St. Paul-Bloomington, MN-WI~
14.8
15.9
(12.5, 20.0)
1.1
(-3.4, 5.7)
101 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
D.10 AFS Use by MSA, 2013-2015
For all households
Geography
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
Nashville-Davidson--Murfreesboro--Franklin, TN~
24.7
22.6
(16.3, 30.4)
-2.1
(-12.0, 7.8)
New Haven-Milford, CT~
14.3
12.9
(7.3, 21.8)
-1.4
(-10.3, 7.6)
New Orleans-Metairie, LA~
26.6
27.3
(22.2, 32.9)
0.6
(-9.0, 10.3)
New York-Newark-Jersey City, NY-NJ-PA~
25.7
25.7
(23.8, 27.7)
0.0
(-2.7, 2.7)
Oklahoma City, OK
28.8
35.1
(28.2, 42.7)
6.3
(-3.1, 15.7)
Omaha-Council Bluffs, NE-IA
27.5
29.2
(23.6, 35.6)
1.7
(-6.8, 10.2)
Orlando-Kissimmee-Sanford, FL
30.4
25.7
(19.8, 32.6)
-4.7
(-14.7, 5.2)
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
25.9
21.4
(18.1, 25.1)
-4.5
(-9.3, 0.2)
Phoenix-Mesa-Scottsdale, AZ
20.2
21.5
(17.8, 25.7)
1.3
(-4.5, 7.0)
Pittsburgh, PA
26.4
27.9
(22.8, 33.6)
1.5
(-5.9, 8.8)
Portland-South Portland, ME~
13.7
18.5
(13.3, 24.9)
4.8
(-2.8, 12.3)
Portland-Vancouver-Hillsboro, OR-WA
19.3
22.5
(18.6, 27.1)
3.2
(-2.6, 9.0)
Providence-Warwick, RI-MA~
17.8
18.5
(14.2, 23.8)
0.7
(-5.1, 6.6)
Richmond, VA~
21.3
15.8
(9.4, 25.2)
-5.5
(-15.1, 4.0)
Riverside-San Bernardino-Ontario, CA
24.1
22.4
(17.6, 28.1)
-1.7
(-8.9, 5.4)
Sacramento--Roseville--Arden-Arcade, CA
27.6
18.5
(13.6, 24.6)
-9.1*
(-17.2, -1.0)
St. Louis, MO-IL~
21.4
20.1
(16.3, 24.6)
-1.3
(-7.3, 4.7)
Salisbury, MD-DE~
NA
16.3
(9.2, 27.1)
NA
NA
Salt Lake City, UT~
16.4
21.9
(16.8, 27.9)
5.4
(-1.6, 12.4)
San Antonio-New Braunfels, TX
32.5
37.6
(30.5, 45.3)
5.2
(-4.2, 14.5)
San Diego-Carlsbad, CA
20.9
22.3
(17.7, 27.7)
1.4
(-4.6, 7.4)
San Francisco-Oakland-Hayward, CA
16.8
17.9
(14.9, 21.3)
1.1
(-3.6, 5.7)
Seattle-Tacoma-Bellevue, WA
17.7
20.0
(16.3, 24.3)
2.3
(-2.8, 7.5)
Sioux Falls, SD
21.1
19.9
(13.5, 28.2)
-1.2
(-11.6, 9.2)
Tampa-St. Petersburg-Clearwater, FL
24.1
19.1
(15.5, 23.3)
-5.0
(-11.3, 1.3)
Tucson, AZ
NA
27.3
(18.9, 37.8)
NA
NA
Tulsa, OK
29.2
35.8
(29.5, 42.6)
6.6
(-2.7, 16.0)
Urban Honolulu, HI
21.6
18.9
(15.5, 22.9)
-2.6
(-7.7, 2.4)
Virginia Beach-Norfolk-Newport News, VA-NC~
34.9
29.9
(22.5, 38.4)
-5.0
(-15.1, 5.1)
Washington-Arlington-Alexandria, DC-VA-MDWV~
22.2
23.5
(20.8, 26.4)
1.3
(-2.2, 4.7)
Wichita, KS~
30.4
30.5
(23.1, 39.1)
0.1
(-11.4, 11.6)
~ indicates areas with geographic boundary changes between the 2013 and 2015 surveys. See Appendix 1 (FDIC Technical Notes) for details. * indicates
differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate
of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
102 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
D.11 Transaction AFS Use by MSA, 2011-2015
For all households
2011
(Percent)
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
23.3
21.9
20.2
(19.8, 20.6)
-1.7*
(-2.3, -1.2)
Albuquerque, NM
24.5
29.6
21.8
(17.0, 27.4)
-7.8
(-16.2, 0.6)
Atlanta-Sandy Springs-Roswell, GA~
29.0
31.2
30.7
(26.4, 35.3)
-0.5
(-6.6, 5.5)
Austin-Round Rock, TX
23.3
17.9
17.2
(11.5, 24.9)
-0.7
(-10.0, 8.6)
Baltimore-Columbia-Towson, MD
25.2
27.5
23.1
(18.4, 28.6)
-4.3
(-10.5, 1.9)
Baton Rouge, LA
NA
NA
27.2
(20.7, 35.0)
NA
NA
Billings, MT~
NA
NA
16.3
(10.7, 24.0)
NA
NA
Birmingham-Hoover, AL
41.1
22.8
22.0
(16.8, 28.3)
-0.8
(-10.0, 8.3)
Boise City, ID
18.6
17.6
12.3
(8.2, 17.9)
-5.3
(-12.6, 1.9)
Boston-Cambridge-Newton, MA-NH~
15.4
17.2
19.6
(16.3, 23.3)
2.3
(-2.3, 7.0)
Bridgeport-Stamford-Norwalk, CT~
13.2
12.6
15.5
(10.0, 23.4)
3.0
(-4.4, 10.3)
Geography
All
MSA
Burlington-South Burlington, VT~
12.9
14.2
11.7
(8.2, 16.5)
-2.5
(-7.7, 2.8)
Charlotte-Concord-Gastonia, NC-SC~
34.4
27.4
26.6
(21.2, 32.7)
-0.9
(-9.4, 7.7)
Chicago-Naperville-Elgin, IL-IN-WI
21.1
17.1
17.1
(14.8, 19.6)
0.0
(-3.5, 3.5)
Cincinnati, OH-KY-IN~
16.8
25.3
11.5
(7.8, 16.7)
-13.8*
(-20.8, -6.7)
Cleveland-Elyria, OH
23.0
18.1
15.5
(11.6, 20.4)
-2.6
(-8.8, 3.6)
Columbia, SC
22.8
33.6
29.1
(21.4, 38.1)
-4.5
(-14.7, 5.7)
Columbus, OH~
26.7
27.2
22.9
(18.0, 28.7)
-4.3
(-12.1, 3.5)
Dallas-Fort Worth-Arlington, TX~
32.5
29.1
30.6
(27.0, 34.4)
1.4
(-3.7, 6.5)
Denver-Aurora-Lakewood, CO
18.8
17.7
14.0
(10.3, 18.7)
-3.6
(-9.0, 1.7)
Detroit-Warren-Dearborn, MI
25.5
20.3
20.0
(17.0, 23.4)
-0.3
(-5.3, 4.7)
Fargo, ND-MN
17.0
18.4
16.6
(11.8, 23.0)
-1.7
(-9.1, 5.6)
Grand Rapids-Wyoming, MI~
NA
11.1
16.3
(10.7, 24.1)
5.2
(-3.7, 14.1)
Greenville-Anderson-Mauldin, SC~
NA
NA
21.4
(15.0, 29.6)
NA
NA
Hartford-West Hartford-East Hartford,
CT~
14.2
19.4
17.4
(12.6, 23.6)
-2.0
(-9.2, 5.1)
Houston-The Woodlands-Sugar Land,
TX~
36.3
33.4
24.2
(20.7, 28.0)
-9.2*
(-14.6, -3.8)
Indianapolis-Carmel-Anderson, IN~
20.5
21.7
22.7
(17.4, 29.1)
1.0
(-6.5, 8.5)
Jackson, MS~
NA
NA
28.2
(22.3, 34.9)
NA
NA
Kansas City, MO-KS~
25.5
23.7
21.4
(16.9, 26.8)
-2.2
(-9.8, 5.4)
Las Vegas-Henderson-Paradise, NV
33.1
26.9
31.7
(27.5, 36.3)
4.9
(-1.3, 11.1)
Little Rock-North Little Rock-Conway,
AR
28.0
27.4
28.4
(22.3, 35.3)
1.0
(-9.2, 11.1)
Los Angeles-Long Beach-Anaheim,
CA
23.7
20.3
20.9
(18.5, 23.4)
0.6
(-2.6, 3.8)
Louisville/Jefferson County, KY-IN~
28.4
24.1
19.7
(13.9, 27.2)
-4.3
(-12.9, 4.2)
Manchester-Nashua, NH~
NA
NA
18.0
(12.9, 24.5)
NA
NA
Memphis, TN-MS-AR~
26.6
32.0
18.2
(12.8, 25.1)
-13.9*
(-23.9, -3.9)
Miami-Fort Lauderdale-West Palm
Beach, FL
25.5
15.5
19.8
(16.5, 23.5)
4.3
(-0.6, 9.1)
Milwaukee-Waukesha-West Allis, WI
18.7
14.0
15.9
(11.6, 21.4)
1.9
(-4.6, 8.4)
103 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
D.11 Transaction AFS Use by MSA, 2011-2015
For all households
2011
(Percent)
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
Minneapolis-St. Paul-Bloomington,
MN-WI~
11.4
12.5
13.0
(10.0, 16.6)
0.4
(-3.6, 4.4)
Nashville-Davidson--Murfreesboro-Franklin, TN~
18.1
20.2
17.1
(11.6, 24.5)
-3.1
(-12.8, 6.5)
New Haven-Milford, CT~
15.3
13.3
9.0
(4.7, 16.5)
-4.3
(-12.1, 3.4)
New Orleans-Metairie, LA~
29.7
23.3
24.1
(19.3, 29.6)
0.8
(-7.6, 9.2)
New York-Newark-Jersey City, NYNJ-PA~
25.2
24.6
23.3
(21.6, 25.1)
-1.3
(-3.9, 1.3)
Oklahoma City, OK
32.9
23.5
30.6
(24.9, 36.9)
7.1
(-1.6, 15.8)
Omaha-Council Bluffs, NE-IA
16.4
24.5
22.8
(18.2, 28.1)
-1.7
(-9.5, 6.0)
Orlando-Kissimmee-Sanford, FL
28.7
27.9
22.6
(17.2, 29.2)
-5.2
(-14.4, 4.0)
Philadelphia-Camden-Wilmington,
PA-NJ-DE-MD
20.8
24.6
18.1
(15.0, 21.6)
-6.5*
(-10.9, -2.0)
Phoenix-Mesa-Scottsdale, AZ
23.5
18.3
19.2
(15.5, 23.5)
0.9
(-4.7, 6.5)
Pittsburgh, PA
19.4
24.3
20.9
(16.3, 26.3)
-3.4
(-10.0, 3.1)
Portland-South Portland, ME~
14.0
9.3
14.1
(9.8, 19.9)
4.8
(-1.3, 11.0)
Portland-Vancouver-Hillsboro, OR-WA
13.5
16.8
19.6
(15.7, 24.2)
2.9
(-3.1, 8.8)
Providence-Warwick, RI-MA~
19.6
16.2
16.8
(12.6, 22.1)
0.6
(-5.1, 6.4)
Richmond, VA~
21.6
19.1
11.5
(6.5, 19.7)
-7.6
(-16.3, 1.2)
Riverside-San Bernardino-Ontario, CA
28.4
22.3
19.6
(15.3, 24.8)
-2.7
(-9.2, 3.8)
Sacramento--Roseville--ArdenArcade, CA
23.5
20.5
13.6
(9.5, 19.1)
-6.9*
(-13.5, -0.4)
St. Louis, MO-IL~
24.0
18.9
18.6
(14.8, 23.1)
-0.3
(-6.3, 5.8)
Salisbury, MD-DE~
NA
NA
15.3
(8.4, 26.4)
NA
NA
Salt Lake City, UT~
17.0
13.1
18.5
(13.8, 24.3)
5.4
(-1.1, 12.0)
San Antonio-New Braunfels, TX
31.9
26.5
31.2
(24.5, 38.8)
4.7
(-4.1, 13.5)
San Diego-Carlsbad, CA
19.2
19.1
18.7
(14.2, 24.3)
-0.3
(-6.4, 5.8)
San Francisco-Oakland-Hayward, CA
15.6
15.7
10.7
(8.3, 13.8)
-5.0*
(-9.2, -0.8)
Seattle-Tacoma-Bellevue, WA
15.5
16.7
16.3
(12.9, 20.2)
-0.4
(-5.4, 4.6)
Sioux Falls, SD
21.5
12.7
13.3
(8.4, 20.5)
0.6
(-7.2, 8.4)
Tampa-St. Petersburg-Clearwater, FL
23.8
20.3
16.2
(13.0, 20.1)
-4.1
(-9.6, 1.4)
Tucson, AZ
NA
NA
23.4
(16.0, 32.8)
NA
NA
Tulsa, OK
26.7
23.1
28.8
(22.9, 35.6)
5.7
(-3.8, 15.2)
Urban Honolulu, HI
20.4
18.6
15.9
(12.6, 19.8)
-2.7
(-7.3, 1.9)
Virginia Beach-Norfolk-Newport
News, VA-NC~
31.0
31.7
27.4
(20.9, 35.1)
-4.3
(-13.9, 5.3)
Washington-Arlington-Alexandria, DCVA-MD-WV~
19.0
20.8
19.8
(17.3, 22.6)
-1.0
(-4.3, 2.4)
Wichita, KS~
41.5
29.6
23.9
(17.5, 31.7)
-5.7
(-16.5, 5.2)
Geography
~ indicates areas with geographic boundary changes between the 2013 and 2015 surveys. See Appendix 1 (FDIC Technical Notes) for details. * indicates
differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate
of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
104 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
D.12 C
redit AFS Use by MSA, 2013-2015
For all households
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
7.0
7.7
(7.4, 8.0)
0.6*
(0.3, 1.0)
Albuquerque, NM
12.7
9.8
(7.2, 13.3)
-2.9
(-7.7, 2.0)
Atlanta-Sandy Springs-Roswell, GA~
8.6
7.9
(5.9, 10.5)
-0.7
(-4.0, 2.7)
Austin-Round Rock, TX
2.4
4.8
(2.0, 11.1)
2.4
(-1.8, 6.7)
Baltimore-Columbia-Towson, MD
4.1
5.4
(2.8, 10.4)
1.3
(-2.5, 5.1)
Baton Rouge, LA
NA
6.1
(3.4, 10.9)
NA
NA
Billings, MT~
NA
5.1
(2.0, 12.1)
NA
NA
Birmingham-Hoover, AL
8.9
10.4
(7.2, 14.8)
1.4
(-4.8, 7.7)
Boise City, ID
7.2
8.0
(5.2, 12.2)
0.8
(-3.9, 5.6)
Boston-Cambridge-Newton, MA-NH~
4.2
2.0
(1.1, 3.4)
-2.2*
(-4.1, -0.3)
Bridgeport-Stamford-Norwalk, CT~
3.2
2.0
(0.5, 7.7)
-1.2
(-4.2, 1.8)
Geography
All
MSA
Burlington-South Burlington, VT~
4.3
1.2
(0.3, 4.4)
-3.1*
(-6.2, -0.1)
Charlotte-Concord-Gastonia, NC-SC~
11.8
11.1
(8.1, 15.2)
-0.7
(-6.1, 4.6)
Chicago-Naperville-Elgin, IL-IN-WI
3.8
4.3
(3.0, 6.0)
0.4
(-1.4, 2.3)
Cincinnati, OH-KY-IN~
6.8
6.8
(4.2, 10.9)
0.1
(-4.4, 4.5)
Cleveland-Elyria, OH
7.6
5.2
(2.9, 9.2)
-2.4
(-6.5, 1.7)
Columbia, SC
15.6
4.8
(2.0, 11.4)
-10.7*
(-17.7, -3.7)
Columbus, OH~
10.9
8.8
(5.7, 13.4)
-2.1
(-7.5, 3.4)
Dallas-Fort Worth-Arlington, TX~
10.1
11.0
(8.7, 13.8)
1.0
(-2.6, 4.6)
Denver-Aurora-Lakewood, CO
7.9
5.8
(3.4, 9.8)
-2.0
(-6.0, 1.9)
Detroit-Warren-Dearborn, MI
5.1
7.2
(4.8, 10.5)
2.1
(-1.1, 5.2)
Fargo, ND-MN
10.7
7.6
(4.7, 12.1)
-3.1
(-9.7, 3.5)
Grand Rapids-Wyoming, MI~
9.0
4.0
(1.5, 10.7)
-4.9
(-11.4, 1.6)
Greenville-Anderson-Mauldin, SC~
NA
14.5
(8.9, 22.8)
NA
NA
Hartford-West Hartford-East Hartford, CT~
3.8
2.7
(1.0, 7.0)
-1.0
(-4.3, 2.3)
Houston-The Woodlands-Sugar Land, TX~
12.4
7.7
(5.9, 9.9)
-4.7*
(-7.9, -1.5)
Indianapolis-Carmel-Anderson, IN~
9.8
9.4
(5.6, 15.3)
-0.4
(-6.7, 5.8)
Jackson, MS~
NA
9.6
(6.2, 14.6)
NA
NA
Kansas City, MO-KS~
6.0
8.5
(5.8, 12.4)
2.5
(-1.4, 6.4)
Las Vegas-Henderson-Paradise, NV
7.7
10.4
(8.0, 13.4)
2.7
(-0.7, 6.0)
Little Rock-North Little Rock-Conway, AR
12.6
13.3
(9.2, 18.7)
0.7
(-7.1, 8.4)
Los Angeles-Long Beach-Anaheim, CA
5.0
6.7
(5.4, 8.3)
1.7
(0.0, 3.5)
Louisville/Jefferson County, KY-IN~
7.4
11.1
(6.7, 17.7)
3.6
(-3.6, 10.9)
Manchester-Nashua, NH~
NA
11.4
(7.8, 16.5)
NA
NA
Memphis, TN-MS-AR~
9.0
10.3
(6.3, 16.5)
1.4
(-5.0, 7.7)
Miami-Fort Lauderdale-West Palm Beach, FL
3.5
5.2
(3.8, 7.2)
1.7
(-0.6, 4.0)
Milwaukee-Waukesha-West Allis, WI
1.2
5.7
(3.1, 10.5)
4.5*
(0.7, 8.3)
Minneapolis-St. Paul-Bloomington, MN-WI~
5.6
4.6
(3.1, 6.6)
-1.0
(-3.3, 1.3)
105 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
D.12 C
redit AFS Use by MSA, 2013-2015
For all households
2013
(Percent)
2015
(Percent)
90% Confidence
Interval, 2015
Difference
(2015-2013)
90% Confidence
Interval, Difference
Nashville-Davidson--Murfreesboro--Franklin, TN~
8.9
10.9
(6.7, 17.3)
1.9
(-4.9, 8.7)
New Haven-Milford, CT~
1.0
3.9
(1.7, 8.8)
3.0
(-0.4, 6.3)
New Orleans-Metairie, LA~
5.8
8.2
(5.4, 12.2)
2.4
(-2.3, 7.1)
New York-Newark-Jersey City, NY-NJ-PA~
3.6
5.4
(4.4, 6.6)
1.8*
(0.4, 3.1)
Oklahoma City, OK
11.8
14.0
(9.9, 19.4)
2.1
(-3.5, 7.7)
Omaha-Council Bluffs, NE-IA
7.0
8.6
(5.0, 14.3)
1.5
(-3.6, 6.7)
Orlando-Kissimmee-Sanford, FL
6.5
8.4
(5.1, 13.5)
1.9
(-3.6, 7.3)
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
3.5
4.9
(3.3, 7.1)
1.3
(-0.7, 3.4)
Phoenix-Mesa-Scottsdale, AZ
5.7
4.9
(3.3, 7.2)
-0.8
(-3.5, 2.0)
Pittsburgh, PA
4.2
9.6
(6.2, 14.8)
5.4*
(0.7, 10.1)
Portland-South Portland, ME~
6.3
5.9
(3.4, 10.1)
-0.5
(-5.1, 4.2)
Portland-Vancouver-Hillsboro, OR-WA
5.2
6.6
(4.5, 9.6)
1.5
(-1.5, 4.4)
Providence-Warwick, RI-MA~
4.1
4.7
(2.5, 8.5)
0.6
(-2.4, 3.6)
Richmond, VA~
7.3
5.2
(2.1, 12.2)
-2.1
(-8.5, 4.3)
Riverside-San Bernardino-Ontario, CA
6.2
6.3
(4.0, 9.7)
0.0
(-3.8, 3.9)
Sacramento--Roseville--Arden-Arcade, CA
10.4
9.8
(6.4, 14.6)
-0.6
(-6.1, 4.9)
St. Louis, MO-IL~
6.7
6.8
(4.7, 9.7)
0.1
(-3.2, 3.4)
Salisbury, MD-DE~
NA
1.6
(0.5, 5.3)
NA
NA
Salt Lake City, UT~
4.9
6.7
(4.3, 10.3)
1.8
(-2.0, 5.6)
San Antonio-New Braunfels, TX
14.1
16.5
(11.8, 22.5)
2.4
(-4.7, 9.4)
Geography
San Diego-Carlsbad, CA
5.2
7.2
(4.7, 10.9)
2.0
(-2.1, 6.2)
San Francisco-Oakland-Hayward, CA
2.1
8.5
(6.3, 11.3)
6.4*
(3.7, 9.1)
Seattle-Tacoma-Bellevue, WA
3.2
6.6
(4.4, 9.6)
3.3*
(0.4, 6.2)
Sioux Falls, SD
10.8
8.5
(4.7, 14.8)
-2.4
(-9.5, 4.8)
Tampa-St. Petersburg-Clearwater, FL
9.6
7.4
(5.0, 10.8)
-2.2
(-6.5, 2.1)
Tucson, AZ
NA
8.8
(5.0, 14.9)
NA
NA
Tulsa, OK
11.7
13.2
(8.7, 19.5)
1.5
(-5.4, 8.5)
Urban Honolulu, HI
5.3
5.0
(3.2, 7.7)
-0.3
(-3.4, 2.9)
Virginia Beach-Norfolk-Newport News, VA-NC~
12.3
4.2
(2.0, 8.4)
-8.1*
(-13.4, -2.9)
Washington-Arlington-Alexandria, DC-VA-MD-WV~
2.9
5.4
(4.0, 7.4)
2.5*
(0.6, 4.5)
Wichita, KS~
9.6
16.4
(10.6, 24.5)
6.7
(-0.9, 14.3)
~ indicates areas with geographic boundary changes between the 2013 and 2015 surveys. See Appendix 1 (FDIC Technical Notes) for details. * indicates
differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate
of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
106 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
D.13 U
se of Bank and Nonbank Remittances in Past 12 Months by Bank Account Ownership and Selected
Household Characteristics, 2015
For all households, row percent
Number of
Households
(1000s)
Percent of
Households
Nonbank
only
(Percent)
Nonbank
and bank
(Percent)
Bank only
(Percent)
Sent, place
unknown
(Percent)
Did not
send
(Percent)
Unknown
(Percent)
127,538
100.0
3.2
0.5
1.2
0.9
88.9
5.4
8,969
100.0
7.5
0.4
0.2
1.0
80.5
10.4
118,569
100.0
2.9
0.5
1.2
0.9
89.5
5.0
Black
17,961
100.0
3.8
0.6
0.9
0.6
87.2
6.9
Hispanic
16,106
100.0
13.1
1.7
1.9
2.9
73.5
7.0
Asian
6,275
100.0
9.8
1.3
7.3
2.4
71.5
7.8
White
85,428
100.0
0.8
0.2
0.6
0.4
93.4
4.6
Other
1,768
100.0
2.1
0.3
0.6
1.8
90.4
4.8
108,671
100.0
0.8
0.2
0.5
0.4
93.1
5.0
Foreign-born
citizen
9,728
100.0
12.4
2.1
5.1
2.4
71.4
6.5
Foreign-born
non-citizen
9,140
100.0
22.0
2.3
4.9
4.1
58.2
8.5
Characteristics
All
Unbanked
Unbanked
Has bank account
Race/Ethnicity
Nativity
U.S.-born
NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than
zero. Estimates do not always reconcile to totals because of rounding.
D.14 Use of Bank and Nonbank Remittances in a Typical Month by Bank Account Ownership and
Selected Household Characteristics, 2015
For all households, row percent
Number of
Households
(1000s)
Percent of
Households
Nonbank
only
(Percent)
Nonbank
and bank
(Percent)
Bank only
(Percent)
Sent in past 12
months but not
in typical month
(Percent)
Did not
send in past
12 months
(Percent)
Unknown
(Percent)
127,538
100.0
1.7
0.2
0.5
3.3
88.9
5.4
8,969
100.0
4.8
0.2
0.2
3.8
80.5
10.4
118,569
100.0
1.4
0.2
0.6
3.3
89.5
5.1
Black
17,961
100.0
1.7
0.3
0.4
3.4
87.2
7.0
Hispanic
16,106
100.0
7.9
0.5
1.3
9.7
73.5
7.2
Asian
6,275
100.0
4.6
0.5
3.2
12.3
71.5
8.0
White
85,428
100.0
0.3
0.1
0.2
1.4
93.4
4.6
Other
1,768
100.0
0.4
0.1
0.5
3.9
90.4
4.8
108,671
100.0
0.3
-
0.2
1.3
93.1
5.0
Foreign-born
citizen
9,728
100.0
5.6
0.5
2.5
13.2
71.4
6.8
Foreign-born
non-citizen
9,140
100.0
13.3
1.2
2.4
16.1
58.2
8.9
Characteristics
All
Unbanked
Unbanked
Has bank account
Race/Ethnicity
Nativity
U.S.-born
NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than
zero. Estimates do not always reconcile to totals because of rounding.
107 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
E.1 R
ates of Saving for Unexpected Expenses or Emergencies by Banking Status and Household
Characteristics, 2015
For all households, row percent
Number of Households
(1000s)
Percent of
Households
Saved
(Percent)
117,453
100.0
56.3
Unbanked
7,826
100.0
20.2
Banked: Underbanked
24,780
100.0
55.2
Banked: Fully banked
84,257
100.0
60.0
589
100.0
57.8
Less than $15,000
16,353
100.0
30.8
$15,000 to $30,000
19,507
100.0
42.2
$30,000 to $50,000
23,334
100.0
53.2
$50,000 to $75,000
21,241
100.0
63.6
At least $75,000
37,019
100.0
72.9
No high school diploma
12,535
100.0
30.1
High school diploma
30,483
100.0
47.2
Some college
34,682
100.0
58.9
College degree
39,752
100.0
69.4
15 to 24 years
6,111
100.0
55.7
25 to 34 years
19,554
100.0
60.7
35 to 44 years
19,825
100.0
58.8
45 to 54 years
21,934
100.0
58.2
55 to 64 years
22,233
100.0
56.4
65 years or more
27,796
100.0
50.1
Black
16,195
100.0
45.6
Hispanic
14,543
100.0
42.5
Asian
5,667
100.0
52.9
White
79,397
100.0
61.3
Other
1,651
100.0
56.2
Disabled, age 25 to 64
10,631
100.0
39.0
Not disabled, age 25 to 64
72,914
100.0
61.3
Not applicable (not age 25 to 64)
33,907
100.0
51.1
Employed
72,240
100.0
63.1
Unemployed
3,587
100.0
44.5
Not in labor force
41,626
100.0
45.6
Characteristics
All
Unbanked and underbanked
Banked: Underbanked status unknown
Family income
Education
Age group
Race/Ethnicity
Disability status
Employment status
108 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
E.1 R
ates of Saving for Unexpected Expenses or Emergencies by Banking Status and Household
Characteristics, 2015
For all households, row percent
Number of Households
(1000s)
Percent of
Households
Saved
(Percent)
Homeowner
74,619
100.0
61.5
Non-homeowner
42,834
100.0
47.3
Married couple
55,349
100.0
63.1
Unmarried female-headed family
14,624
100.0
46.2
Unmarried male-headed family
5,634
100.0
50.6
Female individual
21,424
100.0
51.1
Male individual
20,167
100.0
52.1
NA
NA
NA
Characteristics
Homeownership
Household type
Other
Nativity
100,528
100.0
58.4
Foreign-born citizen
U.S.-born
8,773
100.0
47.9
Foreign-born non-citizen
8,152
100.0
39.9
114,957
100.0
57.0
2,496
100.0
25.8
Metropolitan area - principal city
33,288
100.0
55.1
Metropolitan area - balance
50,148
100.0
58.4
Not in metropolitan area
16,787
100.0
52.5
Not identified
17,230
100.0
56.5
Northeast
20,507
100.0
56.2
Midwest
25,657
100.0
61.1
South
44,843
100.0
52.1
West
26,445
100.0
59.1
Income was about the same each month
90,483
100.0
56.3
Income varied somewhat from month to month
20,682
100.0
58.3
Income varied a lot from month to month
5,737
100.0
51.3
551
100.0
42.2
Spanish only language spoken
Spanish is not only language spoken
Spanish is only language spoken
Metropolitan status
Geographic region
Monthly income volatility
Unknown
Excludes households with missing information on whether the household saved for unexpected expenses or emergencies. NA indicates that the sample size is too
small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile
to totals because of rounding.
109 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
E.2 Rates of Saving for Unexpected Expenses or Emergencies by State, 2015
For all households, row percent
Number of Households
(1000s)
Percent of
Households
Saved
(Percent)
117,453
100.0
56.3
AL
2,017
100.0
52.7
AK
263
100.0
60.8
AZ
2,519
100.0
64.3
AR
1,129
100.0
50.4
CA
12,902
100.0
54.0
CO
2,128
100.0
70.3
CT
1,285
100.0
62.2
DE
349
100.0
53.3
DC
296
100.0
53.2
FL
7,515
100.0
42.7
GA
3,704
100.0
50.2
HI
455
100.0
59.0
ID
601
100.0
52.6
IL
4,698
100.0
64.0
IN
2,566
100.0
59.6
IA
1,193
100.0
61.4
KS
1,079
100.0
58.1
KY
1,698
100.0
56.2
LA
1,780
100.0
50.6
ME
549
100.0
68.7
MD
2,149
100.0
59.1
MA
2,542
100.0
57.2
MI
3,761
100.0
56.3
MN
2,244
100.0
64.9
MS
1,112
100.0
50.6
MO
2,280
100.0
64.3
MT
408
100.0
69.3
NE
676
100.0
55.6
NV
1,120
100.0
54.8
NH
515
100.0
60.3
NJ
3,146
100.0
53.2
NM
757
100.0
49.9
NY
7,008
100.0
51.8
NC
3,668
100.0
53.3
ND
299
100.0
67.1
OH
4,258
100.0
58.9
OK
1,520
100.0
52.7
Geography
All
State
110 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
E.2 Rates of Saving for Unexpected Expenses or Emergencies by State, 2015
For all households, row percent
Number of Households
(1000s)
Percent of
Households
Saved
(Percent)
OR
1,467
100.0
65.7
PA
4,823
100.0
60.1
RI
388
100.0
59.0
SC
1,921
100.0
60.8
SD
320
100.0
63.6
TN
2,687
100.0
56.3
TX
9,622
100.0
53.0
UT
944
100.0
71.3
VT
250
100.0
61.9
VA
2,968
100.0
59.4
WA
2,647
100.0
65.9
WV
710
100.0
45.8
WI
2,284
100.0
63.2
WY
235
100.0
63.9
Geography
Excludes households with missing information on whether the household saved for unexpected expenses or emergencies. NA indicates that the sample size is too
small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile
to totals because of rounding.
111 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
E.3 Rates of Saving for Unexpected Expenses or Emergencies by MSA, 2015
For all households, row percent
Number of Households
(1000s)
Percent of
Households
Saved
(Percent)
117,453
100.0
56.3
353
100.0
57.5
2,125
100.0
52.4
Austin-Round Rock, TX
605
100.0
46.1
Baltimore-Columbia-Towson, MD
892
100.0
66.0
Baton Rouge, LA
287
100.0
62.6
Billings, MT~
54
100.0
72.2
Birmingham-Hoover, AL
446
100.0
61.0
Boise City, ID
216
100.0
55.7
1,817
100.0
60.4
340
100.0
63.0
Geography
All
MSA
Albuquerque, NM
Atlanta-Sandy Springs-Roswell, GA~
Boston-Cambridge-Newton, MA-NH~
Bridgeport-Stamford-Norwalk, CT~
Burlington-South Burlington, VT~
87
100.0
65.2
Charlotte-Concord-Gastonia, NC-SC~
1,075
100.0
55.0
Chicago-Naperville-Elgin, IL-IN-WI
3,359
100.0
63.8
Cincinnati, OH-KY-IN~
767
100.0
50.5
Cleveland-Elyria, OH
807
100.0
51.9
Columbia, SC
396
100.0
66.0
Columbus, OH~
760
100.0
69.1
Dallas-Fort Worth-Arlington, TX~
2,751
100.0
63.0
Denver-Aurora-Lakewood, CO
1,154
100.0
68.8
Detroit-Warren-Dearborn, MI
1,658
100.0
64.3
Fargo, ND-MN
79
100.0
72.6
Grand Rapids-Wyoming, MI~
NA
NA
NA
Greenville-Anderson-Mauldin, SC~
343
100.0
62.8
Hartford-West Hartford-East Hartford, CT~
430
100.0
67.0
Houston-The Woodlands-Sugar Land, TX~
2,346
100.0
53.5
Indianapolis-Carmel-Anderson, IN~
812
100.0
56.6
Jackson, MS~
226
100.0
58.9
Kansas City, MO-KS~
768
100.0
57.8
Las Vegas-Henderson-Paradise, NV
825
100.0
57.4
Little Rock-North Little Rock-Conway, AR
319
100.0
52.3
4,131
100.0
49.6
Louisville/Jefferson County, KY-IN~
467
100.0
55.5
Manchester-Nashua, NH~
122
100.0
68.2
Memphis, TN-MS-AR~
455
100.0
53.7
2,249
100.0
37.8
633
100.0
61.3
1,299
100.0
68.1
Los Angeles-Long Beach-Anaheim, CA
Miami-Fort Lauderdale-West Palm Beach, FL
Milwaukee-Waukesha-West Allis, WI
Minneapolis-St. Paul-Bloomington, MN-WI~
112 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
E.3 Rates of Saving for Unexpected Expenses or Emergencies by MSA, 2015
For all households, row percent
Number of Households
(1000s)
Percent of
Households
Saved
(Percent)
Nashville-Davidson--Murfreesboro--Franklin, TN~
812
100.0
71.1
New Haven-Milford, CT~
NA
NA
NA
New Orleans-Metairie, LA~
535
100.0
43.8
7,054
100.0
49.5
Oklahoma City, OK
530
100.0
51.7
Omaha-Council Bluffs, NE-IA
313
100.0
63.2
Orlando-Kissimmee-Sanford, FL
861
100.0
44.3
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
2,280
100.0
57.7
Phoenix-Mesa-Scottsdale, AZ
1,573
100.0
64.7
Pittsburgh, PA
1,062
100.0
64.0
Portland-South Portland, ME~
185
100.0
69.2
Portland-Vancouver-Hillsboro, OR-WA
857
100.0
66.1
Providence-Warwick, RI-MA~
521
100.0
55.1
Richmond, VA~
472
100.0
57.9
1,346
100.0
46.6
900
100.0
59.9
St. Louis, MO-IL~
1,200
100.0
68.8
Salisbury, MD-DE~
127
100.0
42.5
Salt Lake City, UT~
431
100.0
72.4
San Antonio-New Braunfels, TX
880
100.0
52.3
San Diego-Carlsbad, CA
1,212
100.0
52.2
San Francisco-Oakland-Hayward, CA
1,694
100.0
55.0
Seattle-Tacoma-Bellevue, WA
1,395
100.0
67.4
119
100.0
71.1
1,268
100.0
42.6
Tucson, AZ
NA
NA
NA
Tulsa, OK
376
100.0
64.8
Urban Honolulu, HI
344
100.0
59.3
Virginia Beach-Norfolk-Newport News, VA-NC~
626
100.0
68.4
2,204
100.0
60.9
250
100.0
53.5
Geography
New York-Newark-Jersey City, NY-NJ-PA~
Riverside-San Bernardino-Ontario, CA
Sacramento--Roseville--Arden-Arcade, CA
Sioux Falls, SD
Tampa-St. Petersburg-Clearwater, FL
Washington-Arlington-Alexandria, DC-VA-MD-WV~
Wichita, KS~
Excludes households with missing information on whether the household saved for unexpected expenses or emergencies. ~ indicates areas with geographic
boundary changes between the 2013 and 2015 surveys. See Appendix 1 (FDIC Technical Notes) for details. NA indicates that the sample size is too small to
produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to
totals because of rounding.
113 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
E.4 S
avings Methods by Banking Status and Household Characteristics, 2015
For all households that saved for unexpected expenses or emergencies in the past 12 months, row percent
Number of
Households
(1000s)
Percent of
Households
Checking
account
(Percent)
Savings
account
(Percent)
Prepaid
card
(Percent)
Other
accounts
(Percent)
In home, or
with family
or friends
(Percent)
Intent
to pawn
or sell
(Percent)
Other
method
(Percent)
Unknown
method
(Percent)
66,166
100.0
24.5
70.1
0.5
9.5
10.5
0.2
2.0
1.4
1,579
100.0
0.7
3.0
12.6
2.4
67.8
0.4
12.3
2.7
Banked: Underbanked
13,681
100.0
24.7
65.7
0.7
5.9
16.7
0.4
2.2
1.2
Banked: Fully banked
50,565
100.0
25.2
73.4
0.1
10.8
7.0
0.2
1.6
1.4
Banked: Underbanked
status unknown
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
Characteristics
All
Unbanked and
underbanked
Unbanked
Family income
Less than $15,000
5,029
100.0
25.5
47.3
2.2
3.1
26.5
0.1
3.6
1.9
$15,000 to $30,000
8,229
100.0
27.8
59.7
1.1
4.4
15.8
0.2
2.5
1.4
$30,000 to $50,000
12,421
100.0
25.4
66.5
0.5
5.2
12.4
0.2
2.5
1.5
$50,000 to $75,000
13,504
100.0
23.5
73.1
0.5
8.7
9.8
0.4
1.9
1.3
At least $75,000
26,983
100.0
23.4
77.6
0.1
14.6
5.3
0.2
1.4
1.4
3,769
100.0
26.6
52.1
1.6
3.7
21.6
0.3
3.9
1.9
High school diploma
14,388
100.0
24.8
62.9
0.8
5.6
15.8
0.3
2.2
1.7
Some college
20,413
100.0
23.5
70.5
0.6
6.5
11.6
0.2
2.3
1.2
College degree
27,595
100.0
24.8
76.0
0.1
14.6
5.3
0.2
1.4
1.4
15 to 24 years
3,403
100.0
23.7
66.1
1.5
3.4
17.8
-
3.0
0.8
25 to 34 years
11,876
100.0
22.8
70.7
1.0
5.5
12.5
0.2
2.0
1.2
35 to 44 years
11,660
100.0
21.1
72.9
0.5
8.8
10.9
0.1
1.5
0.9
45 to 54 years
12,770
100.0
24.3
71.4
0.5
9.5
10.3
0.3
2.2
1.3
55 to 64 years
12,530
100.0
25.3
69.4
0.3
12.4
9.1
0.1
2.4
1.7
65 years or more
13,926
100.0
28.5
67.6
0.1
12.4
7.9
0.3
1.8
2.2
Black
7,378
100.0
24.6
65.1
1.9
4.9
16.1
0.3
1.4
1.6
Hispanic
6,184
100.0
24.3
65.2
0.8
4.1
16.0
0.1
2.0
1.2
Asian
2,996
100.0
28.6
72.8
0.2
8.4
6.8
0.2
1.5
1.6
White
48,679
100.0
24.3
71.4
0.2
11.0
9.1
0.2
2.1
1.5
Other
928
100.0
23.1
63.7
2.7
5.6
14.3
1.2
3.8
1.3
4,141
100.0
22.3
55.1
1.5
5.3
22.2
0.1
4.1
1.9
Not disabled, age 25
to 64
44,695
100.0
23.5
72.5
0.5
9.5
9.6
0.2
1.8
1.2
Not applicable (not
age 25 to 64)
17,329
100.0
27.5
67.3
0.4
10.6
9.8
0.3
2.0
1.9
45,594
100.0
23.6
72.6
0.5
8.9
9.9
0.2
1.9
1.3
1,597
100.0
23.4
63.1
2.0
6.5
17.5
0.3
2.9
1.1
18,975
100.0
26.7
64.6
0.5
11.2
11.2
0.3
2.3
1.9
Education
No high school
diploma
Age group
Race/Ethnicity
Disability status
Disabled, age 25 to 64
Employment status
Employed
Unemployed
Not in labor force
114 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
E.4 S
avings Methods by Banking Status and Household Characteristics, 2015
For all households that saved for unexpected expenses or emergencies in the past 12 months, row percent
Number of
Households
(1000s)
Percent of
Households
Checking
account
(Percent)
Savings
account
(Percent)
Prepaid
card
(Percent)
Other
accounts
(Percent)
In home, or
with family
or friends
(Percent)
Intent
to pawn
or sell
(Percent)
Other
method
(Percent)
Unknown
method
(Percent)
Homeowner
45,903
100.0
24.2
73.1
0.1
11.7
7.8
0.2
1.8
1.5
Non-homeowner
20,263
100.0
25.1
63.3
1.3
4.6
16.6
0.2
2.5
1.3
Characteristics
Homeownership
Household type
34,941
100.0
23.0
73.9
0.2
11.3
8.3
0.2
1.7
1.4
Unmarried femaleheaded family
6,757
100.0
23.7
62.8
1.8
3.7
17.5
0.2
2.2
1.8
Unmarried maleheaded family
2,853
100.0
27.0
62.8
1.3
6.0
13.9
0.2
3.2
1.0
Female individual
10,947
100.0
25.3
70.2
0.3
7.9
10.3
-
1.7
1.6
Male individual
10,499
100.0
28.4
64.1
0.7
10.0
12.4
0.4
3.0
1.2
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
58,707
100.0
24.0
70.4
0.5
9.8
10.4
0.2
2.1
1.4
Foreign-born citizen
4,204
100.0
27.1
72.5
0.1
9.2
7.1
0.1
1.1
1.8
Foreign-born
non-citizen
3,255
100.0
30.1
61.0
0.4
5.2
15.0
0.1
1.8
1.7
65,522
100.0
24.5
70.3
0.5
9.6
10.3
0.2
2.0
1.4
643
100.0
21.8
46.8
-
2.5
27.8
0.8
1.9
3.9
Metropolitan area principal city
18,347
100.0
24.6
69.7
0.8
8.9
10.8
0.2
1.8
1.6
Metropolitan area balance
29,273
100.0
24.9
71.9
0.3
11.3
8.8
0.2
1.6
1.4
Not in metropolitan
area
8,810
100.0
24.3
65.5
0.5
6.2
14.1
0.2
3.0
1.6
Not identified
9,735
100.0
23.1
69.3
0.4
8.3
11.4
0.2
2.8
1.3
Northeast
11,521
100.0
25.5
69.4
0.5
10.8
9.8
0.2
1.9
1.8
Midwest
15,668
100.0
24.9
69.7
0.6
9.3
10.7
0.1
2.1
1.5
South
23,350
100.0
25.9
68.0
0.6
8.5
11.2
0.2
1.9
1.1
West
15,627
100.0
21.2
74.0
0.3
10.3
9.6
0.4
2.3
1.7
Income was about the
same each month
50,922
100.0
24.7
71.3
0.4
9.4
9.4
0.2
1.8
1.3
Income varied
somewhat from month
to month
12,065
100.0
23.6
68.3
0.7
9.7
13.4
0.2
2.1
1.0
Income varied a lot
from month to month
2,946
100.0
24.7
58.8
1.2
10.5
17.1
1.3
4.7
1.7
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
Married couple
Other
Nativity
U.S.-born
Spanish only
language spoken
Spanish is not only
language spoken
Spanish is only
language spoken
Metropolitan status
Geographic region
Monthly income
volatility
Unknown
Row percents may not sum to 100 because households were asked to select all methods used. NA indicates that the sample size is too small to produce a precise estimate. - indicates an
estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
115 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
F.1 B
ank Credit by Banking Status and Household Characteristics, 2015
For all households, row percent
Number of
Households
(1000s)
Percent of
Households
Credit card
(Percent)
Personal loan
or line of credit from
bank (Percent)
Credit card or
personal loan or line
of credit from bank
(Percent)
115,767
100.0
66.5
9.8
67.9
Unbanked
7,738
100.0
6.5
1.6
7.9
Banked: Underbanked
24,436
100.0
57.8
12.4
60.5
Banked: Fully banked
83,387
100.0
74.6
9.8
75.6
NA
NA
NA
NA
NA
Less than $15,000
16,065
100.0
30.8
3.7
32.2
$15,000 to $30,000
19,277
100.0
48.8
6.4
50.9
$30,000 to $50,000
22,993
100.0
63.6
8.9
65.4
$50,000 to $75,000
20,948
100.0
75.9
11.4
77.4
At least $75,000
36,484
100.0
87.9
14.1
88.7
No high school diploma
12,340
100.0
33.1
4.1
34.4
High school diploma
30,009
100.0
55.4
8.5
57.2
Some college
34,214
100.0
67.1
10.9
68.8
College degree
39,204
100.0
85.0
11.8
85.8
15 to 24 years
5,940
100.0
51.2
7.4
53.4
25 to 34 years
19,183
100.0
62.9
9.9
64.8
35 to 44 years
19,548
100.0
65.9
11.3
67.4
45 to 54 years
21,634
100.0
67.5
11.6
69.0
55 to 64 years
21,923
100.0
69.3
10.4
70.6
65 years or more
27,538
100.0
69.7
7.5
70.5
Black
15,828
100.0
43.3
6.8
45.2
Hispanic
14,291
100.0
48.4
6.1
50.0
Asian
5,530
100.0
78.9
7.7
79.2
White
78,491
100.0
73.9
11.3
75.2
Other
1,626
100.0
51.7
9.8
54.3
Disabled, age 25 to 64
10,507
100.0
40.1
7.7
42.5
Not disabled, age 25 to 64
71,782
100.0
70.4
11.2
71.8
Not applicable (not age 25 to 64)
33,478
100.0
66.4
7.5
67.4
Employed
71,231
100.0
71.3
11.7
72.8
Unemployed
3,476
100.0
44.9
6.1
46.5
Not in labor force
41,059
100.0
60.1
6.9
61.2
Characteristics
All
Unbanked and underbanked
Banked: Underbanked status
unknown
Family income
Education
Age group
Race/Ethnicity
Disability status
Employment status
116 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
F.1 B
ank Credit by Banking Status and Household Characteristics, 2015
For all households, row percent
Number of
Households
(1000s)
Percent of
Households
Credit card
(Percent)
Personal loan
or line of credit from
bank (Percent)
Credit card or
personal loan or line
of credit from bank
(Percent)
Homeowner
73,744
100.0
76.7
11.7
77.9
Non-homeowner
42,023
100.0
48.5
6.6
50.3
Married couple
54,622
100.0
76.4
12.1
77.6
Unmarried female-headed family
14,358
100.0
48.4
7.7
50.6
Unmarried male-headed family
5,480
100.0
53.9
10.3
55.8
Female individual
21,114
100.0
62.3
6.9
63.4
Male individual
19,938
100.0
60.6
8.2
62.1
NA
NA
NA
NA
NA
U.S.-born
99,198
100.0
67.7
10.4
69.2
Foreign-born citizen
8,613
100.0
69.1
7.3
69.9
Foreign-born non-citizen
7,956
100.0
48.2
5.6
49.2
113,322
100.0
67.3
10.0
68.7
2,445
100.0
28.5
3.0
29.4
Metropolitan area - principal city
32,566
100.0
63.0
8.4
64.3
Metropolitan area - balance
49,555
100.0
72.2
9.8
73.2
Not in metropolitan area
16,634
100.0
56.3
11.0
58.8
Not identified
17,012
100.0
66.4
11.7
68.1
Northeast
20,156
100.0
71.5
10.1
72.7
Midwest
25,311
100.0
70.2
10.9
71.6
South
44,301
100.0
59.1
9.1
60.7
West
25,999
100.0
71.5
9.9
72.8
Income was about the same each
month
89,427
100.0
67.5
9.2
68.8
Income varied somewhat from
month to month
20,321
100.0
64.5
11.9
66.3
Income varied a lot from month
to month
5,669
100.0
58.8
13.5
61.0
NA
NA
NA
NA
NA
Characteristics
Homeownership
Household type
Other
Nativity
Spanish only language spoken
Spanish is not only language
spoken
Spanish is only language spoken
Metropolitan status
Geographic region
Monthly income volatility
Unknown
Excludes households with missing information on any of the following: credit card, personal loan or line of credit from bank, nonbank credit, bank credit
application or denial, discouraged about applying for bank credit, or fell behind on bills. NA indicates that the sample size is too small to produce a precise
estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of
rounding.
117 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
F.2 Bank and Nonbank Credit by Banking Status and Household Characteristics, 2015
For all households, row percent
Number of
Households
(1000s)
Percent of
Households
Bank
credit only
(Percent)
Bank and
nonbank credit
(Percent)
Nonbank
credit only
(Percent)
No credit
(Percent)
115,767
100.0
63.8
4.0
4.1
28.0
Unbanked
7,738
100.0
5.7
2.2
16.4
75.7
Banked: Underbanked
24,436
100.0
42.1
18.5
14.4
25.1
Banked: Fully banked
83,387
100.0
75.6
-
-
24.4
NA
NA
NA
NA
NA
NA
Less than $15,000
16,065
100.0
29.1
3.1
10.0
57.8
$15,000 to $30,000
19,277
100.0
46.8
4.1
6.9
42.2
$30,000 to $50,000
22,993
100.0
59.9
5.5
4.8
29.9
$50,000 to $75,000
20,948
100.0
72.7
4.7
2.3
20.3
At least $75,000
36,484
100.0
85.6
3.1
0.7
10.6
No high school diploma
12,340
100.0
30.4
4.0
8.2
57.3
High school diploma
30,009
100.0
53.0
4.2
6.3
36.5
Some college
34,214
100.0
63.9
4.9
4.4
26.8
College degree
39,204
100.0
82.6
3.2
0.9
13.3
15 to 24 years
5,940
100.0
47.0
6.4
7.9
38.7
25 to 34 years
19,183
100.0
59.1
5.7
6.4
28.8
35 to 44 years
19,548
100.0
62.5
4.9
5.4
27.2
45 to 54 years
21,634
100.0
64.7
4.3
4.3
26.7
55 to 64 years
21,923
100.0
67.4
3.2
3.0
26.4
65 years or more
27,538
100.0
68.2
2.2
1.5
28.0
Black
15,828
100.0
40.4
4.8
9.4
45.4
Hispanic
14,291
100.0
45.3
4.8
5.8
44.2
Asian
5,530
100.0
75.5
3.7
1.1
19.7
White
78,491
100.0
71.5
3.7
2.8
22.0
Other
1,626
100.0
48.0
6.3
10.8
35.0
Disabled, age 25 to 64
10,507
100.0
37.3
5.1
10.5
47.0
Not disabled, age 25 to 64
71,782
100.0
67.4
4.4
3.9
24.3
Not applicable (not age 25 to 64)
33,478
100.0
64.4
3.0
2.7
29.9
Employed
71,231
100.0
68.2
4.5
3.7
23.5
Unemployed
3,476
100.0
41.4
5.1
11.1
42.5
Not in labor force
41,059
100.0
58.1
3.1
4.2
34.6
Characteristics
All
Unbanked and underbanked
Banked: Underbanked status
unknown
Family income
Education
Age group
Race/Ethnicity
Disability status
Employment status
118 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
F.2 Bank and Nonbank Credit by Banking Status and Household Characteristics, 2015
For all households, row percent
Number of
Households
(1000s)
Percent of
Households
Bank
credit only
(Percent)
Bank and
nonbank credit
(Percent)
Nonbank
credit only
(Percent)
No credit
(Percent)
Homeowner
73,744
100.0
74.5
3.5
1.9
20.2
Non-homeowner
42,023
100.0
45.2
5.1
8.1
41.6
Married couple
54,622
100.0
73.8
3.8
2.7
19.7
Unmarried female-headed family
14,358
100.0
44.7
5.9
10.0
39.4
Unmarried male-headed family
5,480
100.0
51.4
4.4
6.1
38.1
Female individual
21,114
100.0
59.9
3.4
3.4
33.3
Male individual
19,938
100.0
58.2
4.0
3.9
33.9
NA
NA
NA
NA
NA
NA
U.S.-born
99,198
100.0
65.1
4.1
4.3
26.5
Foreign-born citizen
8,613
100.0
67.1
2.9
2.0
28.1
Foreign-born non-citizen
7,956
100.0
44.5
4.7
4.4
46.3
113,322
100.0
64.6
4.1
4.1
27.2
2,445
100.0
27.0
2.4
5.8
64.8
Metropolitan area - principal city
32,566
100.0
60.0
4.3
4.5
31.2
Metropolitan area - balance
49,555
100.0
69.8
3.5
3.1
23.7
Not in metropolitan area
16,634
100.0
54.6
4.2
6.3
34.9
Not identified
17,012
100.0
63.0
5.2
4.4
27.4
Northeast
20,156
100.0
69.5
3.3
2.8
24.5
Midwest
25,311
100.0
67.7
3.8
3.8
24.6
South
44,301
100.0
56.5
4.2
5.4
33.9
West
25,999
100.0
68.2
4.6
3.3
24.0
Income was about the same each
month
89,427
100.0
65.3
3.5
3.4
27.8
Income varied somewhat from
month to month
20,321
100.0
60.8
5.5
6.1
27.6
Income varied a lot from month
to month
5,669
100.0
53.4
7.6
7.9
31.1
NA
NA
NA
NA
NA
NA
Characteristics
Homeownership
Household type
Other
Nativity
Spanish only language spoken
Spanish is not only language
spoken
Spanish is only language spoken
Metropolitan status
Geographic region
Monthly income volatility
Unknown
Excludes households with missing information on any of the following: credit card, personal loan or line of credit from bank, nonbank credit, bank credit application
or denial, discouraged about applying for bank credit, or fell behind on bills. Households may have used credit products that were not asked about in the survey
(e.g., mortgages, auto loans, certain nonbank installment loans, and informal loans from family or friends). NA indicates that the sample size is too small to produce
a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because
of rounding.
119 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
F.3 Applications and Potential Ability to Qualify for Bank Credit by Banking Status and Household
Characteristics, 2015
For all households, row percent
Number of
Households
(1000s)
Percent of
Households
Applied for
bank credit
(Percent)
Denied
bank credit
(Percent)
Discouraged
about applying
for bank credit
(Percent)
Fell behind
on bills
(Percent)
115,767
100.0
13.9
2.8
6.1
16.9
Unbanked
7,738
100.0
2.5
1.5
10.7
42.2
Banked: Underbanked
24,436
100.0
17.8
5.8
13.3
32.5
Banked: Fully banked
83,387
100.0
13.8
2.0
3.5
10.0
NA
NA
NA
NA
NA
NA
Less than $15,000
16,065
100.0
6.0
2.5
9.5
32.0
$15,000 to $30,000
19,277
100.0
9.3
3.3
8.7
24.8
$30,000 to $50,000
22,993
100.0
12.1
3.1
6.4
18.3
$50,000 to $75,000
20,948
100.0
15.9
3.2
5.6
13.6
At least $75,000
36,484
100.0
19.8
2.1
3.3
7.1
No high school diploma
12,340
100.0
5.5
1.9
7.0
25.5
High school diploma
30,009
100.0
10.3
2.7
7.3
21.2
Some college
34,214
100.0
15.5
3.7
7.1
19.5
College degree
39,204
100.0
17.9
2.4
4.0
8.6
15 to 24 years
5,940
100.0
16.6
5.4
10.2
20.8
25 to 34 years
19,183
100.0
17.8
4.3
9.3
22.0
35 to 44 years
19,548
100.0
16.9
3.7
7.3
21.7
45 to 54 years
21,634
100.0
15.8
2.9
6.9
19.7
55 to 64 years
21,923
100.0
12.7
2.2
4.9
16.0
65 years or more
27,538
100.0
7.9
0.9
2.4
7.6
Black
15,828
100.0
10.0
2.8
10.7
30.7
Hispanic
14,291
100.0
11.5
3.6
8.7
23.0
Asian
5,530
100.0
17.3
2.9
4.4
8.8
White
78,491
100.0
14.9
2.6
4.7
13.4
Other
1,626
100.0
12.6
3.0
9.6
25.7
Disabled, age 25 to 64
10,507
100.0
11.3
3.7
11.3
34.2
Not disabled, age 25 to 64
71,782
100.0
16.4
3.2
6.4
17.6
Not applicable (not age 25 to 64)
33,478
100.0
9.4
1.7
3.8
9.9
Employed
71,231
100.0
17.1
3.2
6.6
16.8
Unemployed
3,476
100.0
11.9
5.6
13.2
41.3
Not in labor force
41,059
100.0
8.6
1.8
4.7
15.0
Characteristics
All
Unbanked and underbanked
Banked: Underbanked status
unknown
Family income
Education
Age group
Race/Ethnicity
Disability status
Employment status
120 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
F.3 Applications and Potential Ability to Qualify for Bank Credit by Banking Status and Household
Characteristics, 2015
For all households, row percent
Number of
Households
(1000s)
Percent of
Households
Applied for
bank credit
(Percent)
Denied
bank credit
(Percent)
Discouraged
about applying
for bank credit
(Percent)
Fell behind
on bills
(Percent)
Homeowner
73,744
100.0
14.5
2.0
3.7
11.5
Non-homeowner
42,023
100.0
12.9
4.2
10.3
26.3
Married couple
54,622
100.0
15.9
2.5
4.4
12.8
Unmarried female-headed family
14,358
100.0
12.4
3.8
11.6
34.0
Unmarried male-headed family
5,480
100.0
12.4
3.5
9.6
25.2
Female individual
21,114
100.0
10.7
2.1
5.7
14.6
Male individual
19,938
100.0
13.2
3.3
6.2
16.0
NA
NA
NA
NA
NA
NA
U.S.-born
99,198
100.0
14.1
2.8
6.0
16.9
Foreign-born citizen
8,613
100.0
13.4
2.5
5.5
13.6
Foreign-born non-citizen
7,956
100.0
11.8
3.5
7.3
20.5
113,322
100.0
14.0
2.8
6.1
16.7
2,445
100.0
7.5
3.3
6.3
24.2
Metropolitan area - principal city
32,566
100.0
14.4
3.2
7.6
19.0
Metropolitan area - balance
49,555
100.0
14.8
2.6
5.6
15.0
Not in metropolitan area
16,634
100.0
10.8
2.4
4.9
18.7
Not identified
17,012
100.0
13.5
2.9
5.8
16.7
Northeast
20,156
100.0
14.6
2.7
5.9
17.1
Midwest
25,311
100.0
14.3
2.6
5.4
16.6
South
44,301
100.0
12.4
2.7
6.0
17.7
West
25,999
100.0
15.6
3.3
7.0
15.7
Income was about the same each
month
89,427
100.0
13.0
2.2
4.8
13.5
Income varied somewhat from
month to month
20,321
100.0
16.3
4.1
9.1
24.8
Income varied a lot from month
to month
5,669
100.0
19.2
6.6
15.4
41.8
NA
NA
NA
NA
NA
NA
Characteristics
Homeownership
Household type
Other
Nativity
Spanish only language spoken
Spanish is not only language
spoken
Spanish is only language spoken
Metropolitan status
Geographic region
Monthly income volatility
Unknown
Excludes households with missing information on any of the following: credit card, personal loan or line of credit from bank, nonbank credit, bank credit
application or denial, discouraged about applying for bank credit, or fell behind on bills. NA indicates that the sample size is too small to produce a precise
estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of
rounding.
121 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
F.4 B
ank Credit by State, 2015
For all households, row percent
Number of
Households
(1000s)
Percent of
Households
Credit card
(Percent)
Personal loan or line
of credit from bank
(Percent)
Credit card or
personal loan or line
of credit from bank
(Percent)
115,767
100.0
66.5
9.8
67.9
AL
1,985
100.0
49.9
7.7
51.7
AK
259
100.0
66.0
15.8
67.5
AZ
2,493
100.0
64.7
6.6
65.4
AR
1,122
100.0
53.7
9.0
55.3
CA
12,634
100.0
73.0
9.4
74.2
CO
2,088
100.0
76.2
9.4
76.9
CT
1,269
100.0
79.8
12.2
80.5
DE
342
100.0
77.9
8.0
78.2
DC
293
100.0
70.0
8.5
70.2
FL
7,438
100.0
60.9
6.4
61.8
GA
3,665
100.0
53.8
10.2
55.1
HI
445
100.0
77.8
11.0
79.5
ID
598
100.0
60.9
12.7
63.4
IL
4,605
100.0
74.9
7.8
75.6
IN
2,523
100.0
69.5
8.7
70.1
IA
1,175
100.0
70.0
18.6
73.0
KS
1,072
100.0
57.8
13.3
61.0
KY
1,681
100.0
61.9
11.7
65.0
LA
1,771
100.0
54.4
7.5
56.2
ME
545
100.0
70.3
13.6
72.8
MD
2,108
100.0
75.2
14.9
76.4
MA
2,475
100.0
72.8
8.1
72.9
MI
3,745
100.0
68.8
10.6
70.0
MN
2,216
100.0
74.3
14.5
77.1
MS
1,108
100.0
47.9
11.3
49.9
MO
2,249
100.0
66.7
12.2
68.4
MT
398
100.0
76.9
11.1
78.2
NE
670
100.0
71.8
17.5
73.9
NV
1,109
100.0
66.5
7.8
67.3
NH
509
100.0
74.3
14.7
76.0
NJ
3,116
100.0
76.6
8.6
76.8
NM
739
100.0
53.7
7.6
55.4
NY
6,825
100.0
64.7
7.4
66.2
NC
3,608
100.0
57.7
8.5
59.8
ND
298
100.0
68.1
17.6
69.7
OH
4,189
100.0
68.6
9.6
69.2
Geography
All
State
122 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
F.4 B
ank Credit by State, 2015
For all households, row percent
Number of
Households
(1000s)
Percent of
Households
Credit card
(Percent)
Personal loan or line
of credit from bank
(Percent)
Credit card or
personal loan or line
of credit from bank
(Percent)
OK
1,525
100.0
56.0
13.3
59.9
OR
1,427
100.0
73.0
14.2
74.5
PA
4,781
100.0
73.7
14.2
75.9
RI
389
100.0
77.2
10.0
78.0
SC
1,895
100.0
58.2
11.4
60.0
SD
315
100.0
72.8
15.5
74.2
TN
2,621
100.0
51.1
9.0
52.6
TX
9,497
100.0
59.8
8.3
61.3
UT
938
100.0
77.5
12.9
78.5
VT
248
100.0
80.6
14.3
81.6
VA
2,937
100.0
71.0
9.6
72.2
WA
2,638
100.0
72.1
11.9
73.7
WV
705
100.0
52.6
11.6
55.9
WI
2,254
100.0
71.9
9.0
73.2
WY
232
100.0
76.1
13.9
78.8
Geography
Excludes households with missing information on any of the following: credit card, personal loan or line of credit from bank, nonbank credit, bank credit
application or denial, discouraged about applying for bank credit, or fell behind on bills. NA indicates that the sample size is too small to produce a precise
estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of
rounding.
123 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
F.5 Applications and Potential Ability to Qualify for Bank Credit by State, 2015
For all households, row percent
Number of
Households
(1000s)
Percent of
Households
Applied for
bank credit
(Percent)
Denied
bank credit
(Percent)
Discouraged
about applying
for bank credit
(Percent)
Fell behind
on bills
(Percent)
115,767
100.0
13.9
2.8
6.1
16.9
AL
1,985
100.0
7.8
1.5
5.6
17.6
AK
259
100.0
17.0
2.7
8.7
18.0
AZ
2,493
100.0
14.0
2.7
6.3
14.1
AR
1,122
100.0
9.7
1.7
5.9
14.8
CA
12,634
100.0
16.6
3.8
7.6
15.0
CO
2,088
100.0
12.7
0.9
6.3
13.7
CT
1,269
100.0
20.7
5.4
6.4
18.3
DE
342
100.0
9.9
3.1
3.4
14.0
DC
293
100.0
14.7
2.8
8.1
15.6
FL
7,438
100.0
11.9
2.5
6.1
16.1
GA
3,665
100.0
12.3
2.9
8.9
21.0
Geography
All
State
HI
445
100.0
8.6
2.0
4.5
15.9
ID
598
100.0
14.9
2.2
6.0
16.7
IL
4,605
100.0
14.7
3.0
5.4
16.8
IN
2,523
100.0
13.1
1.9
5.1
16.0
IA
1,175
100.0
18.6
3.3
6.5
14.4
KS
1,072
100.0
12.7
2.4
4.0
16.7
KY
1,681
100.0
11.9
4.4
7.5
17.2
LA
1,771
100.0
9.5
2.4
5.2
22.1
ME
545
100.0
15.1
3.1
5.4
19.8
MD
2,108
100.0
16.4
4.5
6.7
19.7
MA
2,475
100.0
15.4
2.2
8.0
20.4
MI
3,745
100.0
11.8
1.7
5.3
19.1
MN
2,216
100.0
15.8
3.6
3.9
14.3
MS
1,108
100.0
8.9
1.9
6.6
18.3
MO
2,249
100.0
15.1
2.5
4.9
16.6
MT
398
100.0
15.2
2.5
3.0
14.5
NE
670
100.0
14.4
2.5
6.3
15.5
NV
1,109
100.0
12.0
4.0
10.4
20.6
NH
509
100.0
17.7
2.0
4.3
14.8
NJ
3,116
100.0
13.2
1.5
4.5
13.9
NM
739
100.0
10.3
2.5
6.4
22.8
NY
6,825
100.0
11.7
2.6
5.8
16.5
NC
3,608
100.0
14.0
2.3
6.1
20.6
ND
298
100.0
16.2
2.0
6.1
11.6
OH
4,189
100.0
14.9
2.5
6.8
16.6
124 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
F.5 Applications and Potential Ability to Qualify for Bank Credit by State, 2015
For all households, row percent
Number of
Households
(1000s)
Percent of
Households
Applied for
bank credit
(Percent)
Denied
bank credit
(Percent)
Discouraged
about applying
for bank credit
(Percent)
Fell behind
on bills
(Percent)
OK
1,525
100.0
11.8
3.1
5.7
17.3
OR
1,427
100.0
17.4
3.1
7.0
16.9
PA
4,781
100.0
17.2
3.1
6.3
17.9
RI
389
100.0
17.0
2.9
5.8
17.7
SC
1,895
100.0
10.7
2.3
5.9
19.2
SD
315
100.0
13.3
2.0
6.5
14.4
TN
2,621
100.0
9.7
1.8
4.6
13.9
TX
9,497
100.0
14.4
3.1
5.3
17.3
UT
938
100.0
15.2
2.3
4.9
19.4
VT
248
100.0
14.5
2.6
3.2
13.4
VA
2,937
100.0
13.5
1.6
5.5
15.1
WA
2,638
100.0
18.0
4.1
6.3
16.0
WV
705
100.0
10.5
3.4
6.5
19.5
WI
2,254
100.0
14.0
3.0
4.8
17.3
WY
232
100.0
14.5
3.3
4.4
15.7
Geography
Excludes households with missing information on any of the following: credit card, personal loan or line of credit from bank, nonbank credit, bank credit
application or denial, discouraged about applying for bank credit, or fell behind on bills. NA indicates that the sample size is too small to produce a precise
estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of
rounding.
125 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
F.6 Bank Credit by MSA, 2015
For all households, row percent
Number of
Households
(1000s)
Percent of
Households
Credit card
(Percent)
Personal loan or
line of credit from
bank (Percent)
Credit card or
personal loan or line
of credit from bank
(Percent)
115,767
100.0
66.5
9.8
67.9
348
100.0
62.0
6.7
64.4
2,105
100.0
59.4
9.9
60.5
Austin-Round Rock, TX
NA
NA
NA
NA
NA
Baltimore-Columbia-Towson, MD
872
100.0
72.5
17.6
74.5
Baton Rouge, LA
282
100.0
54.8
4.6
56.2
Billings, MT~
52
100.0
75.3
9.4
77.0
Birmingham-Hoover, AL
446
100.0
61.1
6.5
61.9
Boise City, ID
217
100.0
67.6
13.5
68.7
1,753
100.0
77.3
10.1
77.8
Bridgeport-Stamford-Norwalk, CT~
336
100.0
80.3
12.6
81.5
Burlington-South Burlington, VT~
86
100.0
80.8
16.9
81.4
Charlotte-Concord-Gastonia, NC-SC~
1,058
100.0
59.7
10.6
61.5
Chicago-Naperville-Elgin, IL-IN-WI
3,252
100.0
75.8
6.2
76.1
Cincinnati, OH-KY-IN~
748
100.0
69.1
8.2
69.8
Cleveland-Elyria, OH
807
100.0
70.3
8.6
70.3
Columbia, SC
393
100.0
69.3
20.0
69.3
Columbus, OH~
742
100.0
77.9
15.9
79.0
Dallas-Fort Worth-Arlington, TX~
2,734
100.0
70.4
8.9
71.0
Denver-Aurora-Lakewood, CO
1,123
100.0
75.5
9.4
75.8
Detroit-Warren-Dearborn, MI
1,644
100.0
68.8
9.8
69.7
Fargo, ND-MN
80
100.0
85.3
25.3
86.7
Grand Rapids-Wyoming, MI~
NA
NA
NA
NA
NA
Greenville-Anderson-Mauldin, SC~
340
100.0
58.0
11.1
60.8
Hartford-West Hartford-East Hartford, CT~
430
100.0
76.5
13.3
76.5
Houston-The Woodlands-Sugar Land, TX~
2,311
100.0
58.6
6.8
60.2
Indianapolis-Carmel-Anderson, IN~
790
100.0
66.4
7.4
67.7
Jackson, MS~
224
100.0
60.8
12.5
62.0
Kansas City, MO-KS~
771
100.0
59.9
10.1
61.8
Las Vegas-Henderson-Paradise, NV
813
100.0
60.6
8.0
61.5
Little Rock-North Little Rock-Conway, AR
315
100.0
55.4
8.2
57.5
4,020
100.0
70.0
7.7
70.9
Louisville/Jefferson County, KY-IN~
465
100.0
66.2
13.5
67.9
Manchester-Nashua, NH~
123
100.0
71.1
10.7
72.1
Memphis, TN-MS-AR~
443
100.0
45.8
10.9
45.8
2,225
100.0
55.7
5.0
56.4
629
100.0
63.2
5.7
64.1
1,279
100.0
78.3
14.1
80.8
Geography
All
MSA
Albuquerque, NM
Atlanta-Sandy Springs-Roswell, GA~
Boston-Cambridge-Newton, MA-NH~
Los Angeles-Long Beach-Anaheim, CA
Miami-Fort Lauderdale-West Palm Beach, FL
Milwaukee-Waukesha-West Allis, WI
Minneapolis-St. Paul-Bloomington, MN-WI~
126 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
F.6 Bank Credit by MSA, 2015
For all households, row percent
Geography
Number of
Households
(1000s)
Percent of
Households
Credit card
(Percent)
Personal loan or
line of credit from
bank (Percent)
Credit card or
personal loan or line
of credit from bank
(Percent)
Nashville-Davidson--Murfreesboro--Franklin, TN~
791
100.0
61.9
7.6
63.9
New Haven-Milford, CT~
NA
NA
NA
NA
NA
New Orleans-Metairie, LA~
535
100.0
56.1
3.1
56.1
6,895
100.0
66.8
6.7
67.9
Oklahoma City, OK
534
100.0
58.8
10.3
60.4
Omaha-Council Bluffs, NE-IA
310
100.0
76.8
20.1
80.0
Orlando-Kissimmee-Sanford, FL
854
100.0
55.4
7.0
57.8
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
2,238
100.0
77.6
11.8
78.7
Phoenix-Mesa-Scottsdale, AZ
1,555
100.0
64.1
5.9
64.9
Pittsburgh, PA
1,072
100.0
73.7
17.3
79.1
Portland-South Portland, ME~
183
100.0
78.6
15.1
79.2
Portland-Vancouver-Hillsboro, OR-WA
842
100.0
75.6
9.3
75.9
Providence-Warwick, RI-MA~
522
100.0
74.5
7.5
75.1
Richmond, VA~
NA
NA
NA
NA
NA
1,342
100.0
71.1
8.1
71.9
885
100.0
63.2
13.1
65.9
St. Louis, MO-IL~
1,188
100.0
74.7
10.4
74.7
Salisbury, MD-DE~
125
100.0
61.4
4.6
61.4
Salt Lake City, UT~
427
100.0
78.4
11.6
78.9
San Antonio-New Braunfels, TX
843
100.0
57.1
7.7
58.9
San Diego-Carlsbad, CA
1,162
100.0
80.2
11.7
81.6
San Francisco-Oakland-Hayward, CA
1,678
100.0
81.6
9.6
81.9
Seattle-Tacoma-Bellevue, WA
1,390
100.0
79.1
11.1
79.8
117
100.0
79.1
14.2
79.7
1,250
100.0
69.0
6.5
69.4
Tucson, AZ
NA
NA
NA
NA
NA
Tulsa, OK
376
100.0
55.0
12.8
57.5
Urban Honolulu, HI
339
100.0
79.3
10.4
80.7
Virginia Beach-Norfolk-Newport News, VA-NC~
621
100.0
69.9
9.3
70.7
Washington-Arlington-Alexandria, DC-VA-MDWV~
2,177
100.0
82.6
10.1
82.9
251
100.0
63.8
12.6
63.8
New York-Newark-Jersey City, NY-NJ-PA~
Riverside-San Bernardino-Ontario, CA
Sacramento--Roseville--Arden-Arcade, CA
Sioux Falls, SD
Tampa-St. Petersburg-Clearwater, FL
Wichita, KS~
Excludes households with missing information on any of the following: credit card, personal loan or line of credit from bank, nonbank credit, bank credit application
or denial, discouraged about applying for bank credit, or fell behind on bills. ~ indicates areas with geographic boundary changes between the 2013 and 2015
surveys. See Appendix 1 (FDIC Technical Notes) for details. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of
zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
127 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
F.7 Applications and Potential Ability to Qualify for Bank Credit by MSA, 2015
For all households, row percent
Number of
Households
(1000s)
Percent of
Households
Applied for
bank credit
(Percent)
Denied
bank credit
(Percent)
Discouraged
about applying
for bank credit
(Percent)
Fell behind
on bills
(Percent)
115,767
100.0
13.9
2.8
6.1
16.9
348
100.0
12.1
2.8
6.0
22.3
2,105
100.0
12.7
3.3
8.6
17.7
Austin-Round Rock, TX
NA
NA
NA
NA
NA
NA
Baltimore-Columbia-Towson, MD
872
100.0
22.0
5.5
7.6
21.3
Baton Rouge, LA
282
100.0
9.6
-
5.7
18.0
Billings, MT~
52
100.0
7.5
1.7
6.1
18.7
Birmingham-Hoover, AL
446
100.0
8.5
3.6
5.8
16.2
Boise City, ID
217
100.0
12.6
1.4
5.6
13.3
1,753
100.0
18.6
2.2
6.9
20.9
Bridgeport-Stamford-Norwalk, CT~
336
100.0
16.7
3.5
6.2
20.9
Burlington-South Burlington, VT~
86
100.0
17.6
1.2
3.6
11.3
Charlotte-Concord-Gastonia, NC-SC~
1,058
100.0
20.5
3.8
8.6
20.5
Chicago-Naperville-Elgin, IL-IN-WI
3,252
100.0
14.9
3.3
5.5
17.9
Cincinnati, OH-KY-IN~
748
100.0
13.1
1.2
2.6
12.0
Cleveland-Elyria, OH
807
100.0
15.2
0.7
6.9
15.3
Columbia, SC
393
100.0
3.1
-
4.9
17.8
Columbus, OH~
742
100.0
18.1
3.2
8.3
18.0
Dallas-Fort Worth-Arlington, TX~
2,734
100.0
18.7
4.4
8.5
20.6
Denver-Aurora-Lakewood, CO
1,123
100.0
17.4
1.1
5.5
12.9
Detroit-Warren-Dearborn, MI
1,644
100.0
11.4
1.1
6.3
20.3
Fargo, ND-MN
80
100.0
21.9
4.6
10.6
19.6
Grand Rapids-Wyoming, MI~
NA
NA
NA
NA
NA
NA
Greenville-Anderson-Mauldin, SC~
340
100.0
11.8
1.6
6.4
16.8
Hartford-West Hartford-East Hartford, CT~
430
100.0
26.3
4.4
7.3
22.9
Houston-The Woodlands-Sugar Land, TX~
2,311
100.0
13.0
2.2
3.1
12.1
Indianapolis-Carmel-Anderson, IN~
790
100.0
13.4
2.7
4.7
16.2
Jackson, MS~
224
100.0
4.4
-
7.7
20.9
Kansas City, MO-KS~
771
100.0
16.8
3.3
6.1
17.3
Las Vegas-Henderson-Paradise, NV
813
100.0
12.9
4.6
11.9
24.3
Little Rock-North Little Rock-Conway, AR
315
100.0
12.4
2.2
7.7
20.4
4,020
100.0
17.6
5.5
6.6
15.7
Louisville/Jefferson County, KY-IN~
465
100.0
9.9
3.9
4.4
18.0
Manchester-Nashua, NH~
123
100.0
14.6
3.6
6.7
10.7
Memphis, TN-MS-AR~
443
100.0
5.6
0.8
3.2
10.6
2,225
100.0
10.5
3.2
5.6
15.8
629
100.0
11.3
3.3
5.9
23.0
1,279
100.0
18.6
3.3
5.3
16.6
Geography
All
MSA
Albuquerque, NM
Atlanta-Sandy Springs-Roswell, GA~
Boston-Cambridge-Newton, MA-NH~
Los Angeles-Long Beach-Anaheim, CA
Miami-Fort Lauderdale-West Palm Beach, FL
Milwaukee-Waukesha-West Allis, WI
Minneapolis-St. Paul-Bloomington, MN-WI~
128 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
F.7 Applications and Potential Ability to Qualify for Bank Credit by MSA, 2015
For all households, row percent
Number of
Households
(1000s)
Percent of
Households
Applied for
bank credit
(Percent)
Denied
bank credit
(Percent)
Discouraged
about applying
for bank credit
(Percent)
Fell behind
on bills
(Percent)
Nashville-Davidson--Murfreesboro--Franklin,
TN~
791
100.0
10.0
1.1
4.2
11.7
New Haven-Milford, CT~
NA
NA
NA
NA
NA
NA
New Orleans-Metairie, LA~
535
100.0
5.5
1.6
4.6
24.1
6,895
100.0
11.1
1.6
4.7
15.1
Oklahoma City, OK
534
100.0
12.5
3.2
4.0
14.9
Omaha-Council Bluffs, NE-IA
310
100.0
19.8
3.6
10.4
18.6
Orlando-Kissimmee-Sanford, FL
854
100.0
14.4
0.7
7.9
14.5
Philadelphia-Camden-Wilmington, PA-NJDE-MD
2,238
100.0
15.4
2.6
5.8
14.6
Phoenix-Mesa-Scottsdale, AZ
1,555
100.0
15.9
3.4
7.9
14.0
Pittsburgh, PA
Geography
New York-Newark-Jersey City, NY-NJ-PA~
1,072
100.0
23.1
2.9
9.2
20.4
Portland-South Portland, ME~
183
100.0
21.1
4.8
7.4
18.1
Portland-Vancouver-Hillsboro, OR-WA
842
100.0
22.1
4.8
10.5
15.9
Providence-Warwick, RI-MA~
522
100.0
16.6
2.7
7.5
18.6
Richmond, VA~
NA
NA
NA
NA
NA
NA
1,342
100.0
15.1
4.5
11.4
14.0
885
100.0
14.7
5.8
9.4
17.7
St. Louis, MO-IL~
1,188
100.0
19.3
2.8
6.1
14.2
Salisbury, MD-DE~
125
100.0
4.0
0.9
0.6
21.6
Salt Lake City, UT~
427
100.0
15.3
2.8
4.6
23.3
San Antonio-New Braunfels, TX
843
100.0
15.0
3.3
5.9
19.2
San Diego-Carlsbad, CA
1,162
100.0
16.2
4.0
9.2
16.8
San Francisco-Oakland-Hayward, CA
1,678
100.0
16.8
1.2
3.5
10.4
Seattle-Tacoma-Bellevue, WA
1,390
100.0
18.6
3.7
4.6
11.5
117
100.0
7.8
0.6
5.1
10.9
1,250
100.0
15.5
3.4
5.6
15.4
Tucson, AZ
NA
NA
NA
NA
NA
NA
Tulsa, OK
376
100.0
10.3
2.4
4.5
19.0
Urban Honolulu, HI
339
100.0
7.8
1.3
2.8
14.6
Virginia Beach-Norfolk-Newport News, VANC~
621
100.0
9.4
1.8
3.2
17.6
Washington-Arlington-Alexandria, DC-VAMD-WV~
2,177
100.0
15.4
2.4
5.3
13.8
251
100.0
11.9
2.3
6.4
22.7
Riverside-San Bernardino-Ontario, CA
Sacramento--Roseville--Arden-Arcade, CA
Sioux Falls, SD
Tampa-St. Petersburg-Clearwater, FL
Wichita, KS~
Excludes households with missing information on any of the following: credit card, personal loan or line of credit from bank, nonbank credit, bank credit application
or denial, discouraged about applying for bank credit, or fell behind on bills. ~ indicates areas with geographic boundary changes between the 2013 and 2015
surveys. See Appendix 1 (FDIC Technical Notes) for details. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of
zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
129 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
G.1 A
ll Methods Used to Pay Bills in a Typical Month by Banking Status, 2015
For all households that paid bills and received income in a typical month, column percent
All
Unbanked
Banked:
Underbanked
Banked:
Fully banked
116,131
7,345
24,503
84,023
100.0
100.0
100.0
100.0
Yes
16.7
62.3
27.7
9.4
No
83.3
37.7
72.3
90.6
Yes
61.2
1.7
55.3
68.2
No
38.8
98.3
44.7
31.8
Yes
39.7
2.7
56.2
38.2
No
60.3
97.3
43.8
61.8
Characteristics
Number of Households (1000s)
Percent of Households
Cash (Percent)
Personal check (Percent)
Debit card (Percent)
Credit card (Percent)
Yes
21.3
6.6
21.1
22.7
No
78.7
93.4
78.9
77.3
Yes
2.4
18.2
4.0
0.6
No
97.6
81.8
96.0
99.4
Yes
64.3
1.6
62.3
70.4
No
35.7
98.4
37.7
29.6
Yes
7.6
35.5
25.6
-
No
92.4
64.5
74.4
100.0
Yes
5.7
12.4
12.3
3.1
No
94.3
87.6
87.7
96.9
Yes
1.4
7.7
1.6
0.8
No
98.6
92.3
98.4
99.2
Yes
1.9
10.7
0.9
1.4
No
98.1
89.3
99.1
98.6
Yes
91.4
20.4
92.7
97.2
No
8.6
79.6
7.3
2.8
Yes
75.5
3.9
54.3
88.0
No
24.5
96.1
45.7
12.0
Prepaid card (Percent)
Electronic payment from bank account (Percent)
Nonbank money order (Percent)
Bank money order or cashiers check (Percent)
Other (Percent)
None selected (Percent)
Any bank method (Percent)
Only bank methods (Percent)
Excludes households with missing information on any of the following: use of prepaid cards or nonbank money orders or check cashers in the past 12 months,
or methods used to pay bills or receive income. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The
population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
130 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
G.2 Primary Method Used to Pay Bills in a Typical Month by Banking Status, 2015
For all households that paid bills and received income in a typical month, column percent
All
Unbanked
Banked:
Underbanked
Banked:
Fully banked
116,131
7,345
24,503
84,023
100.0
100.0
100.0
100.0
Cash
7.7
50.0
11.0
3.0
Personal check
32.5
0.7
26.2
37.1
Debit card
10.8
1.1
19.6
9.1
Credit card
2.9
2.5
2.3
3.1
Prepaid card
0.8
9.9
0.6
0.1
Electronic payment from bank account
39.2
0.2
31.1
44.9
Nonbank money order
2.2
15.6
5.7
-
Bank money order or cashiers check
1.0
3.9
1.5
0.6
Other
0.7
5.2
0.7
0.3
Unknown
2.3
10.7
1.2
1.8
Characteristics
Number of Households (1000s)
Percent of Households
Most common method (Percent)
Excludes households with missing information on any of the following: use of prepaid cards or nonbank money orders or check cashers in the past 12 months,
or methods used to pay bills or receive income. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The
population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
131 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
G.3 All Methods Used to Receive Income in a Typical Month by Banking Status, 2015
For all households that paid bills and received income in a typical month, column percent
All
Unbanked
Banked:
Underbanked
Banked:
Fully banked
116,131
7,345
24,503
84,023
100.0
100.0
100.0
100.0
Yes
29.1
42.1
33.7
26.6
No
70.9
57.9
66.3
73.4
Yes
81.3
3.5
82.0
87.9
No
18.7
96.5
18.0
12.1
Yes
3.9
16.9
5.8
2.2
No
96.1
83.1
94.2
97.8
Characteristics
Number of Households (1000s)
Percent of Households
Paper check or money order (Percent)
Direct deposit or electronic transfer into bank account (Percent)
Direct deposit or electronic transfer onto prepaid card (Percent)
Cash (Percent)
Yes
8.2
22.8
10.9
6.2
No
91.8
77.2
89.1
93.8
Yes
1.8
10.7
2.0
1.0
No
98.2
89.3
98.0
99.0
Yes
2.1
19.1
4.2
-
No
97.9
80.9
95.8
100.0
Yes
5.8
28.7
3.9
4.3
No
94.2
71.3
96.1
95.7
Yes
88.5
3.5
92.4
94.8
No
11.5
96.5
7.6
5.2
Yes
79.2
2.1
76.2
86.8
No
20.8
97.9
23.8
13.2
Other (Percent)
Used nonbank check casher (Percent)
None selected (Percent)
Any bank method (Percent)
Only bank methods (Percent)
Excludes households with missing information on any of the following: use of prepaid cards or nonbank money orders or check cashers in the past 12 months,
or methods used to pay bills or receive income. Estimates of income received through direct deposit onto a prepaid card or using Other methods incorporate
imputed values for certain households with missing information. See Appendix 1 (FDIC Technical Notes) for details. NA indicates that the sample size is too small
to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to
totals because of rounding.
132 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
G.4 A
ll Methods Used to Pay Bills in a Typical Month by Income, 2015
For all households that paid bills and received income in a typical month, column percent
All
Less than
$15,000
$15,000 to
$30,000
$30,000 to
$50,000
$50,000 to
$75,000
At least
$75,000
116,131
15,551
19,310
23,177
21,207
36,886
100.0
100.0
100.0
100.0
100.0
100.0
Yes
16.7
33.8
25.4
17.8
11.8
7.0
No
83.3
66.2
74.6
82.2
88.2
93.0
Yes
61.2
43.7
56.9
63.0
66.4
66.7
No
38.8
56.3
43.1
37.0
33.6
33.3
Yes
39.7
29.9
37.3
44.0
44.2
39.9
No
60.3
70.1
62.7
56.0
55.8
60.1
Yes
21.3
11.3
14.1
18.8
23.4
29.7
No
78.7
88.7
85.9
81.2
76.6
70.3
Yes
2.4
6.3
3.7
2.2
1.9
0.6
No
97.6
93.7
96.3
97.8
98.1
99.4
Yes
64.3
33.1
45.7
60.5
73.4
84.2
No
35.7
66.9
54.3
39.5
26.6
15.8
Yes
7.6
17.7
13.2
8.4
4.8
1.7
No
92.4
82.3
86.8
91.6
95.2
98.3
Yes
5.7
9.8
8.3
6.8
4.3
2.5
No
94.3
90.2
91.7
93.2
95.7
97.5
Yes
1.4
4.0
2.0
1.2
0.8
0.6
No
98.6
96.0
98.0
98.8
99.2
99.4
Yes
1.9
4.7
2.6
1.8
1.2
0.8
No
98.1
95.3
97.4
98.2
98.8
99.2
Yes
91.4
71.8
86.0
92.7
96.8
98.6
No
8.6
28.2
14.0
7.3
3.2
1.4
Yes
75.5
48.4
63.0
74.0
82.8
90.4
No
24.5
51.6
37.0
26.0
17.2
9.6
Characteristics
Number of Households (1000s)
Percent of Households
Cash (Percent)
Personal check (Percent)
Debit card (Percent)
Credit card (Percent)
Prepaid card (Percent)
Electronic payment from bank account (Percent)
Nonbank money order (Percent)
Bank money order or cashiers check (Percent)
Other (Percent)
None selected (Percent)
Any bank method (Percent)
Only bank methods (Percent)
Excludes households with missing information on any of the following: use of prepaid cards or nonbank money orders or check cashers in the past 12 months,
or methods used to pay bills or receive income. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The
population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
133 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
G.5 Primary Method Used to Pay Bills in a Typical Month by Income, 2015
For all households that paid bills and received income in a typical month, column percent
All
Less than
$15,000
$15,000 to
$30,000
$30,000 to
$50,000
$50,000 to
$75,000
At least
$75,000
116,131
15,551
19,310
23,177
21,207
36,886
100.0
100.0
100.0
100.0
100.0
100.0
Cash
7.7
21.4
14.3
7.4
3.2
1.2
Personal check
32.5
29.0
37.6
36.9
33.8
27.6
Debit card
10.8
11.5
13.6
13.4
11.9
6.8
Credit card
2.9
2.1
2.1
2.2
2.9
4.0
Prepaid card
0.8
2.8
1.2
0.7
0.4
-
Characteristics
Number of Households (1000s)
Percent of Households
Most common method (Percent)
Electronic payment from bank account
39.2
15.7
21.4
33.8
44.5
58.6
Nonbank money order
2.2
7.3
4.0
2.0
0.7
0.1
Bank money order or cashiers check
1.0
2.9
1.8
0.9
0.5
0.2
Other
0.7
2.5
1.0
0.4
0.4
0.2
Unknown
2.3
4.8
3.0
2.2
1.6
1.2
Excludes households with missing information on any of the following: use of prepaid cards or nonbank money orders or check cashers in the past 12 months,
or methods used to pay bills or receive income. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The
population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
134 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
G.6 All Methods Used to Receive Income in a Typical Month by Income, 2015
For all households that paid bills and received income in a typical month, column percent
All
Less than
$15,000
$15,000 to
$30,000
$30,000 to
$50,000
$50,000 to
$75,000
At least
$75,000
116,131
15,551
19,310
23,177
21,207
36,886
100.0
100.0
100.0
100.0
100.0
100.0
Yes
29.1
26.1
29.1
30.8
29.9
28.8
No
70.9
73.9
70.9
69.2
70.1
71.2
Characteristics
Number of Households (1000s)
Percent of Households
Paper check or money order (Percent)
Direct deposit or electronic transfer into bank
account (Percent)
Yes
81.3
61.8
71.7
79.7
87.3
92.0
No
18.7
38.2
28.3
20.3
12.7
8.0
Yes
3.9
8.3
5.0
3.4
3.2
2.2
No
96.1
91.7
95.0
96.6
96.8
97.8
Direct deposit or electronic transfer onto prepaid
card (Percent)
Cash (Percent)
Yes
8.2
11.6
10.4
8.5
7.8
5.7
No
91.8
88.4
89.6
91.5
92.2
94.3
Yes
1.8
4.4
2.2
1.6
1.0
1.1
No
98.2
95.6
97.8
98.4
99.0
98.9
Yes
2.1
5.4
3.9
2.1
0.9
0.4
No
97.9
94.6
96.1
97.9
99.1
99.6
Yes
5.8
13.3
7.7
5.1
4.2
2.9
No
94.2
86.7
92.3
94.9
95.8
97.1
Yes
88.5
69.0
81.7
89.6
93.9
96.5
No
11.5
31.0
18.3
10.4
6.1
3.5
Yes
79.2
59.6
72.0
79.8
83.8
88.3
No
20.8
40.4
28.0
20.2
16.2
11.7
Other (Percent)
Used nonbank check casher (Percent)
None selected (Percent)
Any bank method (Percent)
Only bank methods (Percent)
Excludes households with missing information on any of the following: use of prepaid cards or nonbank money orders or check cashers in the past 12 months, or
methods used to pay bills or receive income. Estimates of income received through direct deposit onto a prepaid card or using Other methods incorporate imputed
values for certain households with missing information. See Appendix 1 (FDIC Technical Notes) for details. NA indicates that the sample size is too small to
produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals
because of rounding.
135 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
G.7 All Methods Used to Pay Bills in a Typical Month by Education, 2015
For all households that paid bills and received income in a typical month, column percent
All
No high school
diploma
High school
diploma
Some
college
College
degree
116,131
12,191
29,981
34,368
39,591
100.0
100.0
100.0
100.0
100.0
Yes
16.7
36.0
21.7
16.1
7.4
No
83.3
64.0
78.3
83.9
92.6
Yes
61.2
46.5
60.5
61.6
66.0
No
38.8
53.5
39.5
38.4
34.0
Yes
39.7
29.7
37.7
46.0
38.9
No
60.3
70.3
62.3
54.0
61.1
Yes
21.3
10.0
14.9
19.4
31.4
No
78.7
90.0
85.1
80.6
68.6
Characteristics
Number of Households (1000s)
Percent of Households
Cash (Percent)
Personal check (Percent)
Debit card (Percent)
Credit card (Percent)
Prepaid card (Percent)
Yes
2.4
4.5
3.3
2.8
0.9
No
97.6
95.5
96.7
97.2
99.1
Yes
64.3
28.9
51.4
67.6
82.0
No
35.7
71.1
48.6
32.4
18.0
Yes
7.6
16.4
10.2
8.6
2.2
No
92.4
83.6
89.8
91.4
97.8
Yes
5.7
10.3
6.9
6.4
2.6
No
94.3
89.7
93.1
93.6
97.4
Yes
1.4
3.6
1.7
1.3
0.7
No
98.6
96.4
98.3
98.7
99.3
Yes
1.9
4.5
2.4
1.5
1.0
No
98.1
95.5
97.6
98.5
99.0
Yes
91.4
72.2
87.9
93.6
98.1
No
8.6
27.8
12.1
6.4
1.9
Yes
75.5
47.4
68.7
76.0
89.0
No
24.5
52.6
31.3
24.0
11.0
Electronic payment from bank account
(Percent)
Nonbank money order (Percent)
Bank money order or cashiers check
(Percent)
Other (Percent)
None selected (Percent)
Any bank method (Percent)
Only bank methods (Percent)
Excludes households with missing information on any of the following: use of prepaid cards or nonbank money orders or check cashers in the past 12 months,
or methods used to pay bills or receive income. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The
population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
136 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
G.8 P
rimary Method Used to Pay Bills in a Typical Month by Education, 2015
For all households that paid bills and received income in a typical month, column percent
All
No high school
diploma
High school
diploma
Some
college
College
degree
116,131
12,191
29,981
34,368
39,591
100.0
100.0
100.0
100.0
100.0
Cash
7.7
24.1
11.0
6.2
1.3
Personal check
32.5
32.6
38.9
31.9
28.1
Debit card
10.8
10.8
12.4
13.5
7.3
Characteristics
Number of Households (1000s)
Percent of Households
Most common method (Percent)
Credit card
2.9
1.1
1.7
2.4
4.7
Prepaid card
0.8
1.8
1.2
0.8
0.1
Electronic payment from bank account
39.2
12.8
26.6
39.9
56.2
Nonbank money order
2.2
6.9
3.3
1.8
0.3
Bank money order or cashiers check
1.0
2.8
1.4
1.0
0.2
Other
0.7
2.3
0.9
0.6
0.2
Unknown
2.3
4.8
2.7
1.9
1.4
Excludes households with missing information on any of the following: use of prepaid cards or nonbank money orders or check cashers in the past 12 months,
or methods used to pay bills or receive income. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The
population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
137 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
G.9 All Methods Used to Receive Income in a Typical Month by Education, 2015
For all households that paid bills and received income in a typical month, column percent
All
No high school
diploma
High school
diploma
Some
college
College
degree
116,131
12,191
29,981
34,368
39,591
100.0
100.0
100.0
100.0
100.0
Yes
29.1
31.6
30.4
29.6
26.8
No
70.9
68.4
69.6
70.4
73.2
Yes
81.3
60.0
75.1
83.4
90.7
No
18.7
40.0
24.9
16.6
9.3
Yes
3.9
6.2
4.6
4.2
2.4
No
96.1
93.8
95.4
95.8
97.6
Yes
8.2
12.6
8.6
8.6
6.2
No
91.8
87.4
91.4
91.4
93.8
Yes
1.8
3.8
1.8
1.8
1.2
No
98.2
96.2
98.2
98.2
98.8
Yes
2.1
5.8
3.1
1.9
0.3
No
97.9
94.2
96.9
98.1
99.7
Yes
5.8
11.1
7.3
5.1
3.6
No
94.2
88.9
92.7
94.9
96.4
Yes
88.5
70.7
84.6
90.4
95.3
No
11.5
29.3
15.4
9.6
4.7
Yes
79.2
62.0
75.6
79.6
86.9
No
20.8
38.0
24.4
20.4
13.1
Characteristics
Number of Households (1000s)
Percent of Households
Paper check or money order (Percent)
Direct deposit or electronic transfer
into bank account (Percent)
Direct deposit or electronic transfer
onto prepaid card (Percent)
Cash (Percent)
Other (Percent)
Used nonbank check casher (Percent)
None selected (Percent)
Any bank method (Percent)
Only bank methods (Percent)
Excludes households with missing information on any of the following: use of prepaid cards or nonbank money orders or check cashers in the past 12 months,
or methods used to pay bills or receive income. Estimates of income received through direct deposit onto a prepaid card or using Other methods incorporate
imputed values for certain households with missing information. See Appendix 1 (FDIC Technical Notes) for details. NA indicates that the sample size is too small
to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to
totals because of rounding.
138 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
G.10 All Methods Used to Pay Bills in a Typical Month by Age, 2015
For all households that paid bills and received income in a typical month, column percent
All
15 to 24
years
25 to 34
years
35 to 44
years
45 to 54
years
55 to 64
years
65 years
or more
116,131
5,884
19,340
19,762
21,787
21,916
27,442
100.0
100.0
100.0
100.0
100.0
100.0
100.0
Yes
16.7
27.1
21.7
19.9
17.3
14.3
9.9
No
83.3
72.9
78.3
80.1
82.7
85.7
90.1
Yes
61.2
42.4
49.6
54.0
60.2
65.5
76.0
No
38.8
57.6
50.4
46.0
39.8
34.5
24.0
Yes
39.7
51.0
53.1
46.8
42.3
34.5
25.0
No
60.3
49.0
46.9
53.2
57.7
65.5
75.0
Characteristics
Number of Households (1000s)
Percent of Households
Cash (Percent)
Personal check (Percent)
Debit card (Percent)
Credit card (Percent)
Yes
21.3
20.0
21.7
22.7
20.3
21.1
21.4
No
78.7
80.0
78.3
77.3
79.7
78.9
78.6
Prepaid card (Percent)
Yes
2.4
4.8
3.9
3.3
2.3
2.0
0.8
No
97.6
95.2
96.1
96.7
97.7
98.0
99.2
Electronic payment from bank
account (Percent)
Yes
64.3
59.6
70.6
71.3
69.2
63.8
52.2
No
35.7
40.4
29.4
28.7
30.8
36.2
47.8
Yes
7.6
15.1
10.7
8.5
7.6
7.3
3.6
No
92.4
84.9
89.3
91.5
92.4
92.7
96.4
Yes
5.7
11.1
6.7
6.8
5.3
5.3
3.5
No
94.3
88.9
93.3
93.2
94.7
94.7
96.5
Yes
1.4
1.2
1.1
1.5
1.5
1.4
1.6
No
98.6
98.8
98.9
98.5
98.5
98.6
98.4
Yes
1.9
3.2
1.5
1.9
1.4
1.8
2.3
No
98.1
96.8
98.5
98.1
98.6
98.2
97.7
Yes
91.4
85.5
89.0
90.3
92.0
92.2
94.1
No
8.6
14.5
11.0
9.7
8.0
7.8
5.9
Yes
75.5
60.3
69.2
72.0
75.5
78.2
83.8
No
24.5
39.7
30.8
28.0
24.5
21.8
16.2
Nonbank money order (Percent)
Bank money order or cashiers
check (Percent)
Other (Percent)
None selected (Percent)
Any bank method (Percent)
Only bank methods (Percent)
Excludes households with missing information on any of the following: use of prepaid cards or nonbank money orders or check cashers in the past 12 months,
or methods used to pay bills or receive income. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The
population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
139 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
G.11 Primary Method Used to Pay Bills in a Typical Month by Age, 2015
For all households that paid bills and received income in a typical month, column percent
All
15 to 24
years
25 to 34
years
35 to 44
years
45 to 54
years
55 to 64
years
65 years or
more
116,131
5,884
19,340
19,762
21,787
21,916
27,442
100.0
100.0
100.0
100.0
100.0
100.0
100.0
Cash
7.7
13.4
10.9
9.5
7.6
6.2
4.0
Personal check
32.5
19.9
17.6
19.5
28.7
37.0
54.3
Debit card
10.8
20.8
16.8
13.6
10.0
8.7
4.8
Credit card
2.9
3.1
3.6
2.7
2.1
2.4
3.4
Prepaid card
0.8
1.2
1.3
1.3
0.7
0.6
0.1
Characteristics
Number of Households (1000s)
Percent of Households
Most common method (Percent)
Electronic payment from bank account
39.2
31.5
43.9
47.4
45.0
38.4
27.5
Nonbank money order
2.2
4.3
2.5
1.9
2.5
2.4
1.4
Bank money order or cashiers check
1.0
1.5
1.1
1.1
0.9
1.1
0.9
Other
0.7
0.7
0.5
0.7
0.8
0.8
0.9
Unknown
2.3
3.6
1.8
2.2
1.7
2.2
2.8
Excludes households with missing information on any of the following: use of prepaid cards or nonbank money orders or check cashers in the past 12 months,
or methods used to pay bills or receive income. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The
population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
140 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
G.12 A
ll Methods Used to Receive Income in a Typical Month by Age, 2015
For all households that paid bills and received income in a typical month, column percent
All
15 to 24
years
25 to 34
years
35 to 44
years
45 to 54
years
55 to 64
years
65 years
or more
116,131
5,884
19,340
19,762
21,787
21,916
27,442
100.0
100.0
100.0
100.0
100.0
100.0
100.0
Yes
29.1
37.6
30.6
31.0
32.0
29.6
22.0
No
70.9
62.4
69.4
69.0
68.0
70.4
78.0
Yes
81.3
69.7
77.3
77.5
80.1
82.1
89.6
No
18.7
30.3
22.7
22.5
19.9
17.9
10.4
Yes
3.9
5.7
5.6
4.0
4.4
3.5
2.1
No
96.1
94.3
94.4
96.0
95.6
96.5
97.9
Yes
8.2
14.0
11.1
10.0
8.8
7.1
4.1
No
91.8
86.0
88.9
90.0
91.2
92.9
95.9
Yes
1.8
2.1
2.1
1.9
1.7
1.8
1.5
No
98.2
97.9
97.9
98.1
98.3
98.2
98.5
Characteristics
Number of Households (1000s)
Percent of Households
Paper check or money order (Percent)
Direct deposit or electronic transfer into bank
account (Percent)
Direct deposit or electronic transfer onto prepaid
card (Percent)
Cash (Percent)
Other (Percent)
Used nonbank check casher (Percent)
Yes
2.1
5.2
3.7
2.6
1.8
1.4
0.6
No
97.9
94.8
96.3
97.4
98.2
98.6
99.4
None selected (Percent)
Yes
5.8
7.0
5.3
5.8
5.7
6.1
5.7
No
94.2
93.0
94.7
94.2
94.3
93.9
94.3
Yes
88.5
80.9
85.7
86.2
89.1
89.5
92.5
No
11.5
19.1
14.3
13.8
10.9
10.5
7.5
Yes
79.2
66.6
74.2
76.8
78.5
80.9
86.4
No
20.8
33.4
25.8
23.2
21.5
19.1
13.6
Any bank method (Percent)
Only bank methods (Percent)
Excludes households with missing information on any of the following: use of prepaid cards or nonbank money orders or check cashers in the past 12 months,
or methods used to pay bills or receive income. Estimates of income received through direct deposit onto a prepaid card or using Other methods incorporate
imputed values for certain households with missing information. See Appendix 1 (FDIC Technical Notes) for details. NA indicates that the sample size is too small
to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to
totals because of rounding.
141 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
G.13 A
ll Methods Used to Pay Bills in a Typical Month by Race/Ethnicity, 2015
For all households that paid bills and received income in a typical month, column percent
Characteristics
All
Black
Hispanic
Asian
White
Other
116,131
15,780
14,416
5,543
78,755
1,637
100.0
100.0
100.0
100.0
100.0
100.0
Yes
16.7
28.1
32.1
12.2
11.7
23.9
No
83.3
71.9
67.9
87.8
88.3
76.1
Yes
61.2
45.3
42.8
60.4
68.0
53.1
No
38.8
54.7
57.2
39.6
32.0
46.9
Yes
39.7
43.9
43.1
32.3
38.7
44.8
No
60.3
56.1
56.9
67.7
61.3
55.2
Yes
21.3
14.2
16.2
33.7
22.9
17.3
No
78.7
85.8
83.8
66.3
77.1
82.7
Yes
2.4
6.4
3.2
0.9
1.5
6.8
No
97.6
93.6
96.8
99.1
98.5
93.2
Yes
64.3
48.5
49.6
72.3
69.7
59.5
No
35.7
51.5
50.4
27.7
30.3
40.5
Yes
7.6
21.1
14.2
1.9
4.0
14.1
No
92.4
78.9
85.8
98.1
96.0
85.9
Yes
5.7
12.1
10.4
3.4
3.6
8.0
No
94.3
87.9
89.6
96.6
96.4
92.0
Number of Households (1000s)
Percent of Households
Cash (Percent)
Personal check (Percent)
Debit card (Percent)
Credit card (Percent)
Prepaid card (Percent)
Electronic payment from bank account (Percent)
Nonbank money order (Percent)
Bank money order or cashiers check (Percent)
Other (Percent)
Yes
1.4
2.7
2.6
0.4
1.0
1.6
No
98.6
97.3
97.4
99.6
99.0
98.4
Yes
1.9
3.1
3.1
2.1
1.4
2.6
No
98.1
96.9
96.9
97.9
98.6
97.4
Yes
91.4
80.4
79.7
95.4
95.6
87.4
No
8.6
19.6
20.3
4.6
4.4
12.6
Yes
75.5
53.3
55.4
83.5
83.4
63.9
No
24.5
46.7
44.6
16.5
16.6
36.1
None selected (Percent)
Any bank method (Percent)
Only bank methods (Percent)
Excludes households with missing information on any of the following: use of prepaid cards or nonbank money orders or check cashers in the past 12 months,
or methods used to pay bills or receive income. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The
population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
142 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
G.14 Primary Method Used to Pay Bills in a Typical Month by Race/Ethnicity, 2015
For all households that paid bills and received income in a typical month, column percent
Characteristics
All
Black
Hispanic
Asian
White
Other
116,131
15,780
14,416
5,543
78,755
1,637
100.0
100.0
100.0
100.0
100.0
100.0
Cash
7.7
15.8
19.1
3.6
4.2
11.1
Personal check
32.5
23.6
20.7
31.2
36.6
25.3
Debit card
10.8
16.0
16.4
6.5
8.9
15.3
Credit card
2.9
1.6
2.0
8.1
2.9
2.5
Prepaid card
0.8
2.3
1.0
0.3
0.4
2.7
Electronic payment from bank account
39.2
25.9
28.9
46.5
43.3
35.7
Nonbank money order
2.2
6.6
4.9
0.8
0.9
2.2
Bank money order or cashiers check
1.0
3.0
2.1
0.7
0.4
1.7
Other
0.7
1.6
1.6
0.3
0.4
0.9
Unknown
2.3
3.5
3.3
2.1
1.8
2.6
Number of Households (1000s)
Percent of Households
Most common method (Percent)
Excludes households with missing information on any of the following: use of prepaid cards or nonbank money orders or check cashers in the past 12 months,
or methods used to pay bills or receive income. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The
population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
143 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
G.15 All Methods Used to Receive Income in a Typical Month by Race/Ethnicity, 2015
For all households that paid bills and received income in a typical month, column percent
Characteristics
All
Black
Hispanic
Asian
White
Other
116,131
15,780
14,416
5,543
78,755
1,637
100.0
100.0
100.0
100.0
100.0
100.0
Yes
29.1
24.0
34.1
27.9
29.2
31.0
No
70.9
76.0
65.9
72.1
70.8
69.0
Yes
81.3
74.1
64.1
77.4
86.2
76.7
No
18.7
25.9
35.9
22.6
13.8
23.3
Yes
3.9
7.4
4.5
2.1
3.1
7.7
No
96.1
92.6
95.5
97.9
96.9
92.3
Yes
8.2
7.8
14.4
7.9
7.2
9.4
No
91.8
92.2
85.6
92.1
92.8
90.6
Yes
1.8
2.9
2.4
2.0
1.5
3.0
No
98.2
97.1
97.6
98.0
98.5
97.0
Number of Households (1000s)
Percent of Households
Paper check or money order (Percent)
Direct deposit or electronic transfer into bank
account (Percent)
Direct deposit or electronic transfer onto prepaid
card (Percent)
Cash (Percent)
Other (Percent)
Used nonbank check casher (Percent)
Yes
2.1
4.3
5.1
1.0
1.1
4.3
No
97.9
95.7
94.9
99.0
98.9
95.7
None selected (Percent)
Yes
5.8
9.4
8.8
7.4
4.4
7.4
No
94.2
90.6
91.2
92.6
95.6
92.6
Yes
88.5
78.7
76.3
87.9
92.9
83.9
No
11.5
21.3
23.7
12.1
7.1
16.1
Yes
79.2
69.9
65.8
79.7
83.6
72.6
No
20.8
30.1
34.2
20.3
16.4
27.4
Any bank method (Percent)
Only bank methods (Percent)
Excludes households with missing information on any of the following: use of prepaid cards or nonbank money orders or check cashers in the past 12 months, or
methods used to pay bills or receive income. Estimates of income received through direct deposit onto a prepaid card or using Other methods incorporate imputed
values for certain households with missing information. See Appendix 1 (FDIC Technical Notes) for details. NA indicates that the sample size is too small to
produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals
because of rounding.
144 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
Federal Deposit Insurance Corporation
| File Type | application/pdf |
| File Modified | 2016-10-14 |
| File Created | 2016-10-14 |