DCCA (Non-SRC surveys)

36
Surveys of Consumers: December 2006
SECTION B: Electronic Banking (B1-B65)
VAR #
401

B1.

Over the past twelve months, did you regularly do business or have any
accounts with a bank, thrift, or credit union?
1. Yes
5. No
8. DK
9. NA

402

B2.

Do
1.
5.
8.
9.
.

403

B3.

Some people use automated teller machines, or ATMs, to deposit money in
or withdraw money from their bank accounts. Over the past twelve
months, have you used an ATM to deposit or withdraw money from your
bank?
1. Yes
5. No
8. DK
9. NA
. Inap, 5,8-9 in 401

404

B4.

A debit card is a card that you can use when you buy things that
automatically deducts the amount of the purchase from an account that
you have, like a checking or savings account. In the past twelve
months, have you used a card that automatically deducts money from an
account for a purchase?
1. Yes
5. No
8. DK
9. NA
. Inap, 5,8-9 in 401

405

B5.

When using a debit card to buy things, which do you use more often to
complete financial transactions -- a PIN (personal identification
number) or a signature?
1. PIN
5. Signature
6. Both equally as often (if volunteered)
8. DK
9. NA
. Inap,5,8-9 in 401; 5,8-9 in 404

you currently have a checking account at a financial institution?
Yes
No
DK
NA
Inap, 5,8-9 in 401

SRC/UM

37

December 2006

VAR #
406

B6.

Some people use a service called direct deposit that allows them to have
their paychecks, Social Security, pension benefits, or other money
automatically paid directly into their bank accounts. Over the past
twelve months, have you used direct deposit?
[IF R INTERRUPTS WITH "YES" OR "NO," SAY:
So you (have/have not) used direct deposit over the past twelve months?]
1. Yes
5. No
8. DK
9. NA
. Inap, 5,8-9 in 401

407

B7.

Automatic bill payment allows people to have their utility bills,
mortgage or rent payments, car loans or other payments automatically
paid directly from their accounts without having to write checks. Do
any of the financial institutions at which you have checking, money
market, or savings accounts offer automatic bill payment?
1. Yes
5. No
8. DK
9. NA
. Inap, 5,8-9 in 401

408

B8.

During the past twelve months did you use automatic bill payment?
[IF R INTERRUPTS WITH "YES" OR "NO," SAY:
So you (have/have not) used automatic bill payment, which automatically
pays bills directly out of your account without writing a check, during
the past twelve months?]
1. Yes
5. No
8. DK
9. NA
. Inap, 5,8-9 in 401; 5,8-9 in 407

409

B9.

(IF 1 IN B7: How likely are you/IF 5 OR DK IN B7: If automatic bill
payment were offered, how likely would you be) to use automatic bill
payment in the next twelve months? Would you say very likely, somewhat
likely, even chances, somewhat unlikely, or very unlikely?
1. Very likely
2. Somewhat likely
3. Even chances
4. Somewhat unlikely
5. Very unlikely
8. DK
9. NA
. Inap, 5,8-9 in 401; 1 in 408

38

SRC/UM

December 2006

VAR #
410

B10.

Phone banking lets you review your account information or transfer funds
using an automated telephone system. Do any of the financial
institutions at which you have checking, money market or savings
accounts offer phone banking?
1. Yes
5. No
8. DK
9. NA
. Inap, 5,8-9 in 401

411

B11.

During the past twelve months did you use phone banking?
[IF R INTERRUPTS WITH "YES" OR "NO," SAY:
So you (have/have not) used an automated telephone system to review your
account or transfer funds over the past twelve months?]
1. Yes
5. No
8. DK
9. NA
. Inap, 5,8-9 in 401; 5,8-9 in 410

412

B12.

Would you ever consider using phone banking in the future?
1. Yes
3. Possibly/maybe (if volunteered)
5. No
8. DK
9. NA
. Inap, 5,8-9 in 401; 5,8-9 in 410; 1 in 411

413

B13.

Do
1.
5.
8.
9.
.

414

B14.

What kind of connection to the Internet do you use at home -- dial-up or
high-speed connection such as DSL or Cable?
1. Dial-up
5. High speed
8. DK
9. NA
. Inap, 5,8-9 in 401; 5,8-9 in 413

415

B15.

Do
1.
5.
8.
9.
.

416

B16.

What kind of connection to the Internet do you use at work -- dial-up or
high-speed connection (such as DSL or Cable)?
1. Dial-up
5. High speed
8. DK
9. NA
. Inap, 5,8-9 in 401; 5,8-9 in 415

you have access to the Internet at home?
Yes
No
DK
NA
Inap, 5,8-9 in 401

you have access to the Internet at work?
Yes
No
DK
NA
Inap, 5,8-9 in 401

SRC/UM

39

December 2006

VAR #
417

B17.

Computer banking or online banking lets you use a personal computer to
review account information, pay bills, and to transfer funds. Do any of
the financial institutions at which you have checking, money market, or
savings accounts offer online banking?
1. Yes
5. No
8. DK
9. NA
. Inap, 5,8-9 in 401

418

B18.

During the past twelve months did you use online banking?
[IF R INTERRUPTS WITH "YES" OR "NO," SAY:
So you (have/have not) used a personal computer system to review your
account or transfer funds over the past twelve months?]
1. Yes
5. No
8. DK
9. NA
. Inap, 5,8-9 in 401; 5,8-9 in 417

419

B19.

From which location do you most frequently access your financial
institution online -- from home or from work?
1. Home
5. Work
6. Use both about the same (if volunteered)
8. DK
9. NA
. Inap. 5,8-9 in 401; 5,8-9 in 417; 5,8-9 in 418

420

B20.

Did you use online banking to monitor your accounts in the past twelve
months?
1. Yes
5. No
8. DK
9. NA
. Inap, 5,8-9 in 401; 5,8-9 in 417; 5,8-9 in 418

421

B21.

Did you use online banking to transfer funds between accounts in the
past twelve months?
1. Yes
5. No
8. DK
9. NA
. Inap, 5,8-9 in 401; 5,8-9 in 417; 5,8-9 in 418

422

B22.

Did you use online banking to pay bills electronically in the past
twelve months?
[THIS DOES NOT INCLUDE AUTOMATIC BILL PAYING THAT YOU MAY HAVE SET UP
WITH YOUR BANK].
1. Yes
5. No
8. DK
9. NA
. Inap, 5,8-9 in 401; 5,8-9 in 417; 5,8-9 in 418

SRC/UM

40

December 2006

VAR #
423

B23.

Have you used online banking to open new accounts in the past twelve
months?
1. Yes
5. No
8. DK
9. NA
. Inap, 5,8-9 in 401; 5,8-9 in 417; 5,8-9 in 418

424

B24.

Have you used online banking to apply for a loan in the past twelve
months?
1. Yes
5. No
8. DK
9. NA
. Inap, 5,8-9 in 401; 5,8-9 in 417; 5,8-9 in 418

425

B25.

Have you used online banking to apply for a credit card in the past
twelve months?
1. Yes
5. No
8. DK
9. NA
. Inap, 5,8-9 in 401; 5,8-9 in 417; 5,8-9 in 418

426

B26.

Do you expect to use online banking more frequently, less frequently, or
about the same number of times during the next twelve months?
1. More frequently
3. Same number of times
5. Less frequently
8. DK
9. NA
. Inap. 5,8-9 in 401; 5,8-9 in 417; 5,8-9 in 418

427

B27.

(IF 1 IN B17: How likely are you/IF 5 OR DK IN B17: If online banking
were offered, how likely would you be) to use online banking in the next
twelve months? Would you say very likely, somewhat likely, even
chances, somewhat unlikely, or very unlikely?
1. Very likely
2. Somewhat likely
3. Even chances
4. Somewhat unlikely
5. Very unlikely
8. DK
9. NA
. Inap, 5,8-9 in 401; 1 in 418

428

B28.

Would you ever consider using online banking in the future?
1. Yes
3. Possibly/maybe (if volunteered)
5. No
8. DK
9. NA
. Inap, 5,8-9 in 401; 1 in 418; 1-3,8-9 in 427

41

SRC/UM

December 2006

VAR #
429

B29.

What is the most important reason why you
one, it is inconvenient; two, you are not
might not be secure enough; four, you are
you do not have access to the Internet or
01.
Inconvenient
02.
Not sure how to use
03.
Not secure enough
04.
Concerned about privacy
05.
No computer or internet access
06.
All of the above

do not use online banking -sure how to use it; three, it
concerned about privacy; five,
a computer, or what?

10.
11.
12.
13.
14.

Prefers current banking method, incl. in-person, telephone, checks
Not interested; don’t need
Computer problems accessing, incl. dial-up, browser issues
Others take care of finances
Bank does not offer online banking, on-line banking is not free

98.
99.
.

DK
NA
Inap, 5,8-9 in 401; 1 in 418

430

B30.

Apart from any online transactions with your bank, have you used any
other online financial services, for example to pay credit card bills,
review accounts, or make online investments?
1. Yes
5. No
8. DK
9. NA
. Inap, 5,8-9 in 401

431

B31.

When making purchases for under twenty five dollars at stores, which do
you use most often -- cash, checks, credit cards, debit cards linked to
a bank account, prepaid debit cards, or some other means?
1. Cash
2. Checks
3. Credit cards
4. Debit cards linked to bank account
5. Prepaid debit cards
8. DK
9. NA
. Inap, 5,8-9 in 401

432

B32.

When making purchases for over twenty five dollars at stores, which do
you use most often -- cash, checks, credit cards, debit cards linked to
a bank account, prepaid debit cards, or some other means?
1. Cash
2. Checks
3. Credit cards
4. Debit cards linked to bank account
5. Prepaid debit cards
8. DK
9. NA
. Inap, 5,8-9 in 401

SRC/UM

42

December 2006

VAR #
433

B33.

When making purchases on the Internet, which do you use most often -credit cards, debit cards linked to a bank account, prepaid debit cards,
PayPal, or some other means?
02.
Checks
03.
Credit cards
04.
Debit cards linked to bank account
05.
Prepaid debit cards
06.
PayPal
96.
Don’t use Internet to make purchases (if volunteered)
98.
DK
99.
NA
.
Inap, 5,8-9 in 401

434

B34.

How many miles is the closest branch or ATM of your primary financial
institution from your home or workplace?
[CODE “AT WORK; DOWN THE HALL” AS 996. PLEASE MAKE F2 NOTE]
CODE NUMBER OF MILES (0-995)
996. At work
998. DK
999. NA
.
Inap, 5,8-9 in 401

435

B35.

What is the main way you do business with your primary financial
institution -- in person at a branch, using an ATM or cash machine,
using online banking, using phone banking, through the mail, or some
other means?
1. In person
2. ATM or cash machine
3. Online banking
4. Phone banking
5. Mail
6. Direct deposit
8. DK
9. NA
. Inap, 5,8-9 in 401

436

B36.

How often do you do business in person with this financial institution - would you say weekly, monthly, less than monthly, only a few times a
year, or never?
1. Weekly
2. Monthly
3. Less than monthly
4. Only a few times a year
5. Never
8. DK
9. NA
. Inap, 5,8-9 in 401

43

SRC/UM

December 2006

VAR #
437

B37.

Electronic monthly account statements allow consumers to review their
account statements online as opposed to paper statements sent through
the mail. Do any of the financial institutions at which you have
checking, money market, or savings accounts offer electronic monthly
account statements?
1. Yes
5. No
8. DK
9. NA
. Inap, 5,8-9 in 401

438

B38.

Do you currently receive electronic monthly account statements, paper
statements, or both?
1. Electronic statements only
5. Paper statements only
6. Both
8. DK
9. NA
. Inap, 5,8-9 in 401; 5,8-9 in 437

439

B39.

If your financial
statements, would
no longer receive
1. Yes
5. No
8. DK
9. NA
. Inap, 5,8-9 in

440

B40.

institution offered electronic monthly account
you be willing to accept an electronic statement and
paper statements?

401

A smart card is a type of payment card that has a computer chip, which
is set to hold an amount of money. As you use the card to buy things,
the value of each purchase is subtracted. You can also add funds to the
card to keep using it. Have you ever had or used a smart card?
1. Yes
5. No
8. DK
9. NA
. Inap, 5,8-9 in 401

SRC/UM

44

December 2006

VAR #
441

B41.

Prepaid cards are cards that contain a stored value, or a value that has
been paid up-front, allowing you to use the card much like cash. As you
use the card, the prepaid value is drawn down. Examples of prepaid
cards include phone cards, gift cards, and student cards. Have you ever
purchased or used a prepaid card?
1. Yes
5. No
8. DK
9. NA
. Inap, 5,8-9 in 401

442

B42.

Do you expect to use or give prepaid cards more frequently, less
frequently, or about the same number of times during the next twelve
months?
1. More frequently
3. Same number of times
5. Less frequently
8. DK
9. NA
. Inap, 5,8-9 in 401, 5,8-9 in 441

443

B43.

Contactless payment devices, such as Speedpass used at gas stations or
E-Z Pass used for tollroads, contain computer chips that allow you to
use the devices to pay for gas or tollroad fees. Have you used a
contactless payment device?
1. Yes
5. No
8. DK
9. NA
. Inap, 5,8-9 in 401

444

B44.

Contactless cards are credit, debit, or prepaid cards that contain a
computer chip that allows you to use the card by waving it in front of a
payment terminal instead of giving your card to the merchant. Have you
received a contactless card from your bank or credit card company?
1. Yes
5. No
8. DK
9. NA
. Inap, 5,8-9 in 401

445

B45.

Would you ever consider using a contactless card in the future?
1. Yes
3. Possibly/maybe (if volunteered)
5. No
8. DK
9. NA
. Inap, 5,8-9 in 401; 1,8-9 in 444

SRC/UM

45

December 2006

VAR #
446

B46.

Wireless devices, such as cellular telephones and PDAs, can be equipped
to include a computer chip that allows the user to charge items to their
phone bill using these devices, instead of using a credit card or debit
card. If your cellular phone or PDA could be equipped with this
functionality, how likely would you be to use wireless payments? Would
you say very likely, somewhat likely, even chances, somewhat unlikely,
or very unlikely?
1. Very likely
2. Somewhat likely
3. Even chances
4. Somewhat unlikely
5. Very unlikely
8. DK
9. NA
. Inap, 5,8-9 in 401

447

B47.

Now I would like to ask about your opinions regarding electronic
banking. By electronic banking I mean computer banking, phone banking,
automatic bill payment, or electronic transfer of funds. Please tell me
whether you strongly disagree, disagree, are neutral, agree, or strongly
agree with the following statements.
Electronic banking is the wave of the future. Would you say that you
strongly disagree, disagree, are neutral, agree, or strongly agree?
1. Strongly disagree
2. Disagree
3. Neutral
4. Agree
5. Strongly agree
8. DK
9. NA
. Inap, 5,8-9 in 401

448

B48.

Electronic banking products will reduce the need for having traditional
bank accounts in the future. (Would you say that you strongly disagree,
disagree, are neutral, agree, or strongly agree?)
1. Strongly disagree
2. Disagree
3. Neutral
4. Agree
5. Strongly agree
8. DK
9. NA
. Inap, 5,8-9 in 401

449

B49.

Electronic banking services are used by many people. (Would you say
that you strongly disagree, disagree, are neutral, agree, or strongly
agree?)
1. Strongly disagree
2. Disagree
3. Neutral
4. Agree
5. Strongly agree
8. DK
9. NA
. Inap, 5,8-9 in 401

SRC/UM

46

December 2006

VAR #
450

B50.

I have seen how others use electronic banking. (Would you say that you
strongly disagree, disagree, are neutral, agree, or strongly agree?)
1. Strongly disagree
2. Disagree
3. Neutral
4. Agree
5. Strongly agree
8. DK
9. NA
. Inap, 5,8-9 in 401

451

B51.

I have the opportunity to try various electronic banking services.
(Would you say that you strongly disagree, disagree, are neutral, agree,
or strongly agree?)
1. Strongly disagree
2. Disagree
3. Neutral
4. Agree
5. Strongly agree
8. DK
9. NA
. Inap, 5,8-9 in 401

452

B52.

There are enough advantages of electronic banking for me to consider
using it. (Would you say that you strongly disagree, disagree, are
neutral, agree, or strongly agree?)
1. Strongly disagree
2. Disagree
3. Neutral
4. Agree
5. Strongly agree
8. DK
9. NA
. Inap, 5,8-9 in 401

453

B53.

My use of electronic banking keeps me from switching to other financial
services providers. (Would you say that you strongly disagree,
disagree, are neutral, agree, or strongly agree?)
1. Strongly disagree
2. Disagree
3. Neutral
4. Agree
5. Strongly agree
8. DK
9. NA
. Inap, 5,8-9 in 401

SRC/UM

47

December 2006

VAR #
454

B54.

I need to familiarize myself with electronic banking technology. (Would
you say that you strongly disagree, disagree, are neutral, agree, or
strongly agree?)
1. Strongly disagree
2. Disagree
3. Neutral
4. Agree
5. Strongly agree
8. DK
9. NA
. Inap, 5,8-9 in 401

455

B55.

Electronic banking is convenient. (Would you say that you strongly
disagree, disagree, are neutral, agree, or strongly agree?)
1. Strongly disagree
2. Disagree
3. Neutral
4. Agree
5. Strongly agree
8. DK
9. NA
. Inap, 5,8-9 in 401

456

B56.

Electronic banking is difficult to use. (Would you say that you
strongly disagree, disagree, are neutral, agree, or strongly agree?)
1. Strongly disagree
2. Disagree
3. Neutral
4. Agree
5. Strongly agree
8. DK
9. NA
. Inap, 5,8-9 in 401

457

B57.

It bothers me to use a machine for banking transactions when I could
talk with a person instead. (Would you say that you strongly disagree,
disagree, are neutral, agree, or strongly agree?)
1. Strongly disagree
2. Disagree
3. Neutral
4. Agree
5. Strongly agree
8. DK
9. NA
. Inap, 5,8-9 in 401

SRC/UM

48

December 2006

VAR #
458

B58.

When I use electronic banking, my money is as safe as when I use other
banking services. (Would you say that you strongly disagree, disagree,
are neutral, agree, or strongly agree?)
1. Strongly disagree
2. Disagree
3. Neutral
4. Agree
5. Strongly agree
8. DK
9. NA
. Inap, 5,8-9 in 401

459

B59.

I feel comfortable providing my personal information through electronic
banking systems. (Would you say that you strongly disagree, disagree,
are neutral, agree, or strongly agree?)
1. Strongly disagree
2. Disagree
3. Neutral
4. Agree
5. Strongly agree
8. DK
9. NA
. Inap, 5,8-9 in 401

460

B60.

Mistakes are more likely to occur with electronic banking than with
regular banking. (Would you say that you strongly disagree, disagree,
are neutral, agree, or strongly agree?)
1. Strongly disagree
2. Disagree
3. Neutral
4. Agree
5. Strongly agree
8. DK
9. NA
. Inap, 5,8-9 in 401

461

B61.

Mistakes with electronic banking are more difficult to get corrected
than with regular banking. (Would you say that you strongly disagree,
disagree, are neutral, agree, or strongly agree?)
1. Strongly disagree
2. Disagree
3. Neutral
4. Agree
5. Strongly agree
8. DK
9. NA
. Inap, 5,8-9 in 401

SRC/UM

49

December 2006

VAR #
462

B62.

Electronic banking helps me to better manage my personal finances.
(Would you say that you strongly disagree, disagree, are neutral, agree,
or strongly agree?)
1. Strongly disagree
2. Disagree
3. Neutral
4. Agree
5. Strongly agree
8. DK
9. NA
. Inap, 5,8-9 in 401

463

B63.

I worry that electronic banking systems are not secure enough and I
could lose my money. (Would you say that you strongly disagree,
disagree, are neutral, agree, or strongly agree?)
1. Strongly disagree
2. Disagree
3. Neutral
4. Agree
5. Strongly agree
8. DK
9. NA
. Inap, 5,8-9 in 401

464

B64.

I worry that electronic banking systems are not secure enough to protect
my personal financial information. (Would you say that you strongly
disagree, disagree, are neutral, agree, or strongly agree?)
1. Strongly disagree
2. Disagree
3. Neutral
4. Agree
5. Strongly agree
8. DK
9. NA
. Inap, 5,8-9 in 401

465

B65.

Electronic banking increases the likelihood that I will become a victim
of identity theft. (Would you say that you strongly disagree, disagree,
are neutral, agree, or strongly agree?)
1. Strongly disagree
2. Disagree
3. Neutral
4. Agree
5. Strongly agree
8. DK
9. NA
. Inap, 5,8-9 in 401