Data Source Table

The following table outlines the adult pilot data collection and sources:

Data Source	Account Use (outcomes)	Financial Well-Being (outcomes)	Additional Data Points (controls)
Bank data up to 12 months	Number of monthly transactions Account longevity Use of direct deposit Average monthly balance Number of returned (bounced) checks
Credit reports baseline, 6 months, 12 months		Debt levels Delinquencies Percent use of available revolving credit Take up of other affordable, mainstream financial products or services (e.g. establishing credit)
Intake survey baseline		Financial attitudes Financial behavior Baseline banking status Banking history	Demographics
Follow-up survey approximately 6 and 12months		Financial knowledge (knowledge assessments) Financial attitudes (e.g. future orientation, perceived financial well- being, sense of financial control and satisfaction) Financial behavior (e.g. use of alternative financial services, saving behavior)
POP administrative data up to 6-months			Demographics Employment information Income information Benefits information POP start and end date POP start and end date
Financial Empowerment Center administrative data up to 24 months			Number of counseling sessions Service plans Milestones achieved

The following table outlines data collection and sources for the youth pilot:

Data source	Outcomes	Additional data points (controls)
Student assessments Pre-/post-intervention	Financial knowledge Financial attitudes Financial
School District baseline		School-level Demographics
RCU data Duration of study period	Whether the student has an RCU account Date account was opened Number of deposits and withdrawals over the study period Dollar amount of deposits over the study period Prizes redeemed by each student for deposits over the study period	Whether the student is an RCU teller in their school1
Bank data (replication of pilot in Amarillo, TX)	Whether the student has or opened an account Date account was opened Number of deposits and withdrawals over the study period Dollar amount of deposits over the study period	Whether the student was offered an account opening incentive

1 Student tellers are “hired” by RCU to assist staff in processing transactions and marketing accounts to students.