Download:
pdf |
pdfFEDER AL DEPOSIT INSUR ANCE CORPOR ATION
How America Banks:
Household Use of Banking and
Financial Services
2019 FDIC Survey
Appendix Tables
ECONOMICINCLUSION.GOV
How America Banks:
Household Use of Banking and Financial Services
Appendix Table of Contents
A. Bank Account Ownership: Unbanked Households���������������������������������������������������������������������������������������������������������������������������������������������� 1
B. Bank Account Ownership: Banked Households.................................................................................................................................................. 20
C. Prepaid Cards........................................................................................................................................................................................................ 54
D. Nonbank Financial Transaction Services............................................................................................................................................................. 60
E. Bank and Nonbank Credit.................................................................................................................................................................................... 82
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | III
How America Banks:
Household Use of Banking and Financial Services
List of Appendix Tables
A. Bank Account Ownership: Unbanked Households
A.1 Distribution of Households by Characteristics and Year, 2015–2019��������������������������������������������������������������������������������������������������������� 1
A.2 Unbanked Rates by Household Characteristics, 2015–2019���������������������������������������������������������������������������������������������������������������������� 3
A.3 Unbanked Rates by State, 2015–2019��������������������������������������������������������������������������������������������������������������������������������������������������������� 5
A.4 Unbanked Rates by MSA, 2015–2019����������������������������������������������������������������������������������������������������������������������������������������������������������� 7
A.5 Monthly Income Volatility by Level of Income, 2019���������������������������������������������������������������������������������������������������������������������������������� 9
A.6 Interest in Having a Bank Account, Among Unbanked Households, by Previous Bank Account Ownership and Household
Characteristics, 2019������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������ 9
A.7 All Reasons for Not Having a Bank Account, Among Unbanked Households, by Previous Bank Account Ownership, 2019���������������� 12
A.8 Main Reason for Not Having a Bank Account, Among Unbanked Households, by Previous Bank Account Ownership, 2019�������������� 13
A.9 All Reasons for Not Having a Bank Account, Among Unbanked Households, by Interest in Having a Bank Account, 2019����������������� 14
A.10 Main Reason for Not Having a Bank Account, Among Unbanked Households, by Interest in Having a Bank Account, 2019��������������� 15
A.11 Satisfaction With Most Recent Bank, Among Unbanked Households That Had Previously Been Banked, by Recent Bank
Account Ownership and Household Characteristics, 2019����������������������������������������������������������������������������������������������������������������������� 16
A.12 Perceptions of Clarity of Banks’ Communications About Account Fees, Among Unbanked Households That Had Previously
Been Banked, by Recent Bank Account Ownership and Household Characteristics, 2019�������������������������������������������������������������������� 18
B. Bank Account Ownership: Banked Households
B.1 Primary Method Used to Access Bank Accounts by Household Characteristics, 2019���������������������������������������������������������������������������� 20
B.2 Bank Teller as Primary Method of Bank Account Access by Household Characteristics, 2015–2019����������������������������������������������������� 22
B.3 ATM/Kiosk as Primary Method of Bank Account Access by Household Characteristics, 2015–2019������������������������������������������������������ 24
B.4 Telephone Banking as Primary Method of Bank Account Access by Household Characteristics, 2015–2019��������������������������������������� 26
B.5 Online Banking as Primary Method of Bank Account Access by Household Characteristics, 2015–2019���������������������������������������������� 28
B.6 Mobile Banking as Primary Method of Bank Account Access by Household Characteristics, 2015–2019���������������������������������������������� 30
B.7 Did Not Visit a Bank Branch, Among Banked Households, by Household Characteristics, 2017–2019������������������������������������������������� 32
B.8 Visited a Bank Branch One to Four Times, Among Banked Households, by Household Characteristics, 2017–2019��������������������������� 34
B.9 Visited a Bank Branch Five to Nine Times, Among Banked Households, by Household Characteristics, 2017–2019��������������������������� 36
B.10 Visited a Bank Branch Ten or More Times, Among Banked Households, by Household Characteristics, 2017–2019��������������������������� 38
B.11 Number of Bank Branch Visits, Among Banked Households That Visited a Branch, by Household Characteristics, 2019������������������� 40
B.12 Number of Bank Branch Visits, Among Unbanked Households, by Previous Bank Account Ownership and Household
Characteristics, 2019���������������������������������������������������������������������������������������������������������������������������������������������������������������������������������� 42
B.13 Mobile Phone Access by Bank Account Ownership and Household Characteristics, 2015–2019����������������������������������������������������������� 44
B.14 Smartphone Access by Bank Account Ownership and Household Characteristics, 2015–2019������������������������������������������������������������� 46
B.15 Home Internet Access by Bank Account Ownership and Household Characteristics, 2015–2019��������������������������������������������������������� 48
B.16 Satisfaction With Primary Bank, Among Banked Households, by Household Characteristics, 2019����������������������������������������������������� 50
B.17 Perceptions of Clarity of Own Bank’s Communication About Account Fees, Among Banked Households, by Household
Characteristics, 2019���������������������������������������������������������������������������������������������������������������������������������������������������������������������������������� 52
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | V
How America Banks:
Household Use of Banking and Financial Services
C. Prepaid Cards
C.1 Prepaid Card Use by Bank Account Ownership and Household Characteristics, 2015–2019����������������������������������������������������������������� 54
C.2 Prepaid Card Use by State, 2015–2019������������������������������������������������������������������������������������������������������������������������������������������������������ 56
C.3 Prepaid Card Use by MSA, 2015–2019������������������������������������������������������������������������������������������������������������������������������������������������������� 58
D. Nonbank Financial Transaction Services
D.1 Specific Nonbank Financial Transaction Service Use by Bank Account Ownership and Household Characteristics, 2019����������������� 60
D.2 Specific Nonbank Financial Transaction Service Use by State, 2019������������������������������������������������������������������������������������������������������� 63
D.3 Specific Nonbank Financial Transaction Service Use by MSA, 2019�������������������������������������������������������������������������������������������������������� 65
D.4 Nonbank Money Order Use by Bank Account Ownership and Household Characteristics, 2015–2019������������������������������������������������� 68
D.5 Nonbank Check Cashing Use by Bank Account Ownership and Household Characteristics, 2015–2019���������������������������������������������� 70
D.6 Nonbank International Remittance Use by Bank Account Ownership and Household Characteristics, 2015–2019����������������������������� 72
D.7 Frequency of Nonbank Money Order Use by Bank Account Ownership and Household Characteristics, 2019������������������������������������ 74
D.8 Frequency of Nonbank Check Cashing Use by Bank Account Ownership and Household Characteristics, 2019��������������������������������� 76
D.9 Frequency of Nonbank International Remittance Use by Bank Account Ownership and Household Characteristics, 2019���������������� 78
D.10 Frequency of Nonbank Bill Payment Service Use by Bank Account Ownership and Household Characteristics, 2019������������������������ 80
E. Bank and Nonbank Credit
E.1 Specific Bank Credit Product Use by Bank Account Ownership and Household Characteristics, 2019������������������������������������������������� 82
E.2 Specific Bank Credit Product Use by State, 2019�������������������������������������������������������������������������������������������������������������������������������������� 84
E.3 Specific Bank Credit Product Use by MSA, 2019��������������������������������������������������������������������������������������������������������������������������������������� 86
E.4 Specific Nonbank Credit Product Use by Bank Account Ownership and Household Characteristics, 2019������������������������������������������ 88
E.5 Specific Nonbank Credit Product Use by State, 2019������������������������������������������������������������������������������������������������������������������������������� 90
E.6 Specific Nonbank Credit Product Use by MSA, 2019�������������������������������������������������������������������������������������������������������������������������������� 92
E.7 Ownership of Visa, MasterCard, American Express, or Discover Credit Cards by Bank Account Ownership and Household
Characteristics, 2015–2019������������������������������������������������������������������������������������������������������������������������������������������������������������������������ 95
E.8 Applied for Credit Card or Bank Personal Loan by Bank Account Ownership and Household Characteristics, 2015–2019����������������� 97
E.9 Did Not Apply for Credit Card or Bank Personal Loan Because of Concerns About Being Turned Down by Bank Account
Ownership and Household Characteristics, 2015–2019��������������������������������������������������������������������������������������������������������������������������� 99
E.10 Denied or Not Given as Much Credit as Requested, Among Households That Had Applied for Credit Card or Bank Personal
Loan, by Bank Account Ownership and Household Characteristics, 2015–2019���������������������������������������������������������������������������������� 101
E.11 Nonbank Credit Use by Bank Account Ownership and Household Characteristics, 2015–2019���������������������������������������������������������� 103
E.12 Bank Credit Demand Measures by State, 2019���������������������������������������������������������������������������������������������������������������������������������������� 105
E.13 Bank Credit Demand Measures by MSA, 2019����������������������������������������������������������������������������������������������������������������������������������������� 106
E.14 Rates of Saving for Unexpected Expenses or Emergencies by Bank Account Ownership and Household Characteristics,
2015–2019������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������� 109
E.15 Rates of Saving for Unexpected Expenses or Emergencies by State, 2015–2019���������������������������������������������������������������������������������� 111
E.16 Rates of Saving for Unexpected Expenses or Emergencies by MSA, 2015–2019����������������������������������������������������������������������������������� 113
VI | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
A.1 Distribution of Households by Characteristics and Year, 2015–2019
For All Households, Column Percent
Characteristics
2015
2017
2019
127,538
129,276
131,248
100.0
100.0
100.0
Less Than $15,000
14.1
12.4
10.7
$15,000 to $30,000
16.8
15.3
14.4
$30,000 to $50,000
19.9
19.8
18.8
$50,000 to $75,000
18.0
18.4
18.2
At Least $75,000
31.2
34.1
37.9
No High School Diploma
10.8
9.6
8.7
High School Diploma
26.1
25.8
24.9
Some College
29.4
28.9
28.3
College Degree
33.7
35.7
38.1
15 to 24 Years
5.2
5.1
4.8
25 to 34 Years
16.5
16.2
16.3
35 to 44 Years
17.0
16.7
17.0
45 to 54 Years
18.6
18.0
17.0
55 to 64 Years
18.8
18.9
18.6
65 Years or More
23.9
25.0
26.2
Black
12.7
12.8
12.7
Hispanic
13.5
13.8
14.0
Asian
4.7
5.0
5.3
American Indian or Alaska Native
0.7
0.8
0.7
Native Hawaiian or Other Pacific Islander
0.2
0.3
0.2
White
67.0
66.2
65.6
Two or More Races
1.2
1.2
1.3
Disabled, Aged 25 to 64
9.0
8.7
8.1
Not Disabled, Aged 25 to 64
61.9
61.1
60.9
Not Applicable (Not Aged 25 to 64)
29.1
30.2
31.0
Income Was About the Same Each Month
71.8
71.3
77.7
Income Varied Somewhat From Month to Month
16.3
16.2
18.3
Income Varied a Lot From Month to Month
4.5
3.9
4.1
Unknown
7.3
8.7
Employed
61.3
61.4
62.1
Unemployed
3.0
2.7
2.2
Not in Labor Force
35.7
35.9
35.7
Number of Households (1000s)
Percent of Households
Family Income (Percent)
Education (Percent)
Age Group (Percent)
Race/Ethnicity (Percent)
Disability Status (Percent)
Monthly Income Volatility (Percent)
Employment Status (Percent)
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 1
A.1 Distribution of Households by Characteristics and Year, 2015–2019 (continued)
For All Households, Column Percent
Characteristics
2015
2017
2019
Homeowner
63.3
63.6
64.5
Non-Homeowner
36.7
36.4
35.5
Married Couple
46.7
47.3
46.5
Unmarried Female-Headed Family
12.5
11.7
11.6
Unmarried Male-Headed Family
4.8
5.1
5.0
Female Individual
18.4
18.8
19.0
Male Individual
17.3
16.8
17.7
Other
0.2
0.3
0.2
U.S.-Born
85.2
85.3
85.1
Foreign-Born Citizen
7.6
7.8
8.6
Foreign-Born Noncitizen
7.2
6.9
6.3
Metropolitan Area - Principal City
28.6
29.8
29.2
Metropolitan Area - Balance
42.8
42.8
43.6
Not in Metropolitan Area
14.0
13.4
13.0
Not Identified
14.5
14.0
14.2
Northeast
17.8
17.6
17.2
Midwest
21.7
21.4
21.6
South
37.9
38.2
38.3
West
22.6
22.8
22.9
Homeownership (Percent)
Household Type (Percent)
Citizenship and Place of Birth (Percent)
Metropolitan Status (Percent)
Geographic Region (Percent)
Missing values for monthly income volatility in 2019 were imputed; see Appendix 1 (FDIC Technical Notes) for details.
2 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
A.2 Unbanked Rates by Household Characteristics, 2015–2019
For All Households
2015
(Percent)
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
7.0
6.5
5.4
(5.1, 5.6)
-1.1*
(-1.5, -0.8)
Less Than $15,000
25.6
25.7
23.3
(21.9, 24.7)
-2.5*
(-4.3, -0.7)
$15,000 to $30,000
11.8
12.3
10.4
(9.6, 11.4)
-1.8*
(-3.2, -0.4)
$30,000 to $50,000
5.0
5.1
4.6
(4.0, 5.2)
-0.5
(-1.2, 0.3)
$50,000 to $75,000
1.6
1.5
1.7
(1.4, 2.1)
0.3
(-0.2, 0.7)
At Least $75,000
0.5
0.6
0.6
(0.4, 0.7)
0.0
(-0.2, 0.2)
No High School Diploma
23.2
22.4
21.4
(19.8, 23.0)
-1.0
(-3.1, 1.0)
High School Diploma
9.7
9.4
8.1
(7.5, 8.7)
-1.4*
(-2.3, -0.5)
Some College
5.5
5.1
4.3
(3.9, 4.7)
-0.9*
(-1.4, -0.3)
College Degree
1.1
1.3
0.8
(0.7, 1.0)
-0.5*
(-0.7, -0.2)
15 to 24 Years
13.1
10.0
8.8
(7.4, 10.4)
-1.2
(-3.3, 1.0)
25 to 34 Years
10.6
8.5
6.9
(6.3, 7.6)
-1.6*
(-2.7, -0.6)
35 to 44 Years
8.9
7.8
6.3
(5.6, 7.0)
-1.5*
(-2.4, -0.6)
45 to 54 Years
6.7
6.9
5.1
(4.6, 5.7)
-1.8*
(-2.6, -0.9)
55 to 64 Years
5.8
5.9
5.5
(4.9, 6.1)
-0.5
(-1.2, 0.3)
65 Years or More
3.1
3.9
3.3
(3.0, 3.7)
-0.6*
(-1.1, -0.1)
Black
18.5
16.8
13.8
(12.7, 15.1)
-2.9*
(-4.7, -1.2)
Hispanic
16.3
14.4
12.2
(11.2, 13.2)
-2.2*
(-3.8, -0.6)
Asian
3.9
2.6
1.7
(1.1, 2.5)
-1.0
(-2.1, 0.1)
American Indian or Alaska Native
15.3
18.0
16.3
(12.1, 21.6)
-1.7
(-7.3, 3.9)
Native Hawaiian or Other
Pacific Islander
10.3
2.8
NA
NA
NA
NA
White
3.1
3.0
2.5
(2.3, 2.7)
-0.6*
(-0.8, -0.3)
Two or More Races
7.9
8.5
4.9
(3.2, 7.5)
-3.5*
(-6.8, -0.3)
Disabled, Aged 25 to 64
17.6
18.1
16.2
(14.7, 17.8)
-1.9
(-3.9, 0.1)
Not Disabled, Aged 25 to 64
6.5
5.7
4.5
(4.3, 4.8)
-1.1*
(-1.6, -0.7)
Not Applicable (Not Aged 25 to 64)
4.9
4.9
4.2
(3.8, 4.5)
-0.8*
(-1.3, -0.2)
Income Was About the Same
Each Month
5.7
5.6
4.9
(4.6, 5.1)
-0.8*
(-1.2, -0.4)
Income Varied Somewhat From
Month to Month
8.7
6.8
6.4
(5.8, 7.1)
-0.4
(-1.4, 0.6)
Income Varied a Lot From Month
to Month
12.9
13.2
10.7
(9.1, 12.6)
-2.5
(-4.9, 0.0)
Characteristics
All
Family Income
Education
Age Group
Race/Ethnicity
Disability Status
Monthly Income Volatility
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 3
A.2 Unbanked Rates by Household Characteristics, 2015–2019 (continued)
For All Households
2015
(Percent)
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
Employed
5.0
4.5
3.6
(3.4, 3.9)
-0.9*
(-1.3, -0.5)
Unemployed
23.0
19.9
13.2
(10.9, 15.7)
-6.7*
(-10.5, -3.0)
Not in Labor Force
9.2
9.0
8.0
(7.5, 8.5)
-1.0*
(-1.7, -0.3)
Homeowner
2.3
2.3
1.9
(1.7, 2.1)
-0.4*
(-0.7, -0.1)
Non-Homeowner
15.2
14.0
11.8
(11.1, 12.4)
-2.2*
(-3.0, -1.4)
Married Couple
3.3
2.5
2.1
(1.9, 2.4)
-0.4*
(-0.8, 0.0)
Unmarried Female-Headed
Family
16.2
15.4
11.1
(10.2, 12.1)
-4.3*
(-5.6, -2.9)
Unmarried Male-Headed Family
9.8
9.9
7.6
(6.4, 9.1)
-2.2*
(-4.2, -0.3)
Female Individual
6.8
7.6
5.8
(5.3, 6.4)
-1.8*
(-2.5, -1.0)
Male Individual
9.8
9.2
8.7
(7.9, 9.5)
-0.5
(-1.5, 0.5)
Other
NA
NA
NA
NA
NA
NA
U.S.-Born
6.1
5.9
4.8
(4.6, 5.1)
-1.0*
(-1.4, -0.7)
Foreign-Born Citizen
4.6
4.8
3.8
(3.1, 4.6)
-1.0
(-2.1, 0.1)
Foreign-Born Noncitizen
20.3
16.2
14.6
(13.2, 16.1)
-1.6
(-3.8, 0.5)
Metropolitan Area - Principal City
10.3
9.4
8.1
(7.6, 8.7)
-1.3*
(-2.1, -0.4)
Metropolitan Area - Balance
5.2
4.5
3.7
(3.4, 4.0)
-0.9*
(-1.3, -0.4)
Not in Metropolitan Area
7.6
7.5
6.2
(5.6, 6.9)
-1.2*
(-2.2, -0.3)
Not Identified
5.4
5.6
4.2
(3.6, 4.9)
-1.4*
(-2.2, -0.5)
Northeast
6.3
6.0
4.7
(4.1, 5.3)
-1.3*
(-2.1, -0.4)
Midwest
5.7
5.4
5.0
(4.5, 5.5)
-0.4
(-1.2, 0.3)
South
8.7
7.7
6.2
(5.8, 6.7)
-1.5*
(-2.1, -0.9)
West
5.9
6.0
4.9
(4.3, 5.5)
-1.1*
(-1.9, -0.4)
Characteristics
Employment Status
Homeownership
Household Type
Citizenship and Place of Birth
Metropolitan Status
Geographic Region
Asterisk indicates differences that are statistically significant at the 10 percent level. NA indicates that the sample size is too small to
produce a precise estimate.
4 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
A.3 Unbanked Rates by State, 2015–2019
For All Households
2015
(Percent)
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
7.0
6.5
5.4
(5.1, 5.6)
-1.1*
(-1.5, -0.8)
AL
12.5
8.7
7.6
(5.6, 10.1)
-1.2
(-4.0, 1.7)
AK
3.5
2.6
3.4
(2.0, 5.5)
0.8
(-1.1, 2.7)
AZ
8.5
5.4
4.0
(2.6, 6.2)
-1.4
(-4.2, 1.5)
AR
9.7
7.5
7.1
(5.2, 9.8)
-0.3
(-3.0, 2.3)
CA
6.2
7.4
5.6
(4.8, 6.6)
-1.8*
(-3.2, -0.5)
CO
4.4
4.2
3.3
(1.7, 6.3)
-0.9
(-3.5, 1.6)
CT
6.2
5.5
8.4
(5.3, 13.0)
2.8
(-1.4, 7.1)
DE
4.8
5.9
2.8
(1.2, 6.4)
-3.1
(-6.5, 0.4)
DC
10.8
8.0
8.0
(6.0, 10.6)
0.0
(-3.3, 3.3)
FL
5.9
6.0
3.8
(2.9, 4.9)
-2.2*
(-3.6, -0.9)
GA
11.9
10.6
7.4
(5.9, 9.3)
-3.2*
(-5.9, -0.6)
HI
2.4
4.0
3.0
(1.7, 5.3)
-1.0
(-3.4, 1.3)
ID
3.6
2.3
4.0
(2.7, 6.0)
1.7
(-0.7, 4.1)
IL
7.1
7.0
6.6
(5.0, 8.6)
-0.4
(-2.6, 1.9)
IN
4.8
4.4
4.5
(3.3, 6.1)
0.0
(-2.1, 2.2)
IA
4.2
3.0
2.6
(1.5, 4.4)
-0.4
(-2.7, 1.9)
KS
7.6
7.2
5.5
(3.9, 7.7)
-1.6
(-4.7, 1.4)
KY
9.0
7.2
6.5
(5.0, 8.3)
-0.8
(-3.0, 1.5)
LA
14.0
14.8
11.4
(9.1, 14.1)
-3.5*
(-6.3, -0.6)
ME
2.3
4.0
2.3
(1.4, 3.7)
-1.7
(-4.1, 0.6)
MD
4.8
2.5
3.8
(2.2, 6.6)
1.3
(-1.2, 3.8)
MA
5.7
2.6
3.7
(2.6, 5.3)
1.1
(-0.7, 2.8)
MI
6.0
5.6
5.7
(4.2, 7.6)
0.1
(-2.2, 2.4)
MN
3.4
1.5
2.8
(1.6, 4.9)
1.3
(-0.6, 3.3)
MS
12.6
15.8
12.8
(10.3, 15.8)
-3.1
(-6.4, 0.2)
MO
8.5
6.3
6.2
(4.7, 8.1)
-0.1
(-2.3, 2.1)
MT
4.0
4.3
4.0
(3.0, 5.5)
-0.3
(-2.3, 1.8)
NE
5.1
2.8
6.5
(5.0, 8.4)
3.7*
(1.3, 6.2)
NV
8.9
6.1
6.3
(4.4, 8.9)
0.2
(-2.6, 3.0)
NH
1.8
3.4
0.5
(0.1, 2.1)
-2.9*
(-4.7, -1.1)
NJ
7.4
5.0
4.0
(2.9, 5.7)
-1.0
(-3.2, 1.2)
NM
9.4
11.4
8.7
(6.3, 11.8)
-2.7*
(-4.8, -0.6)
NY
8.0
8.7
5.6
(4.6, 6.9)
-3.1*
(-4.9, -1.3)
NC
7.7
5.8
3.4
(2.5, 4.4)
-2.4*
(-4.5, -0.3)
ND
3.0
6.3
4.9
(2.7, 8.6)
-1.4
(-5.1, 2.2)
Geography
All
State
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 5
A.3 Unbanked Rates by State, 2015–2019 (continued)
For All Households
2015
(Percent)
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
OH
5.8
7.0
4.6
(3.5, 6.1)
-2.4*
(-4.3, -0.5)
OK
11.0
7.3
8.8
(6.7, 11.4)
1.5
(-1.2, 4.2)
OR
5.1
4.2
3.8
(2.7, 5.4)
-0.4
(-2.3, 1.6)
PA
4.7
4.7
4.0
(3.0, 5.4)
-0.7
(-2.6, 1.2)
RI
5.0
6.5
4.4
(2.5, 7.6)
-2.1
(-5.7, 1.4)
SC
8.9
6.7
5.2
(3.4, 7.8)
-1.6
(-3.9, 0.8)
SD
4.2
8.1
4.9
(2.3, 10.0)
-3.3*
(-6.4, -0.2)
TN
10.8
7.5
8.1
(6.5, 10.1)
0.6
(-2.1, 3.4)
TX
9.4
9.5
7.7
(6.5, 9.1)
-1.8*
(-3.4, -0.2)
UT
3.9
2.5
0.8
(0.3, 2.1)
-1.7*
(-3.2, -0.2)
VT
1.5
1.5
0.7
(0.3, 1.8)
-0.7
(-1.8, 0.4)
VA
4.6
3.0
4.4
(3.1, 6.0)
1.4
(-0.7, 3.4)
WA
4.1
3.1
4.6
(3.0, 7.1)
1.5
(-0.6, 3.7)
WV
8.0
7.8
4.7
(3.5, 6.3)
-3.1*
(-4.9, -1.3)
WI
3.4
3.4
2.9
(1.8, 4.7)
-0.5
(-2.9, 1.9)
WY
2.4
4.8
3.6
(2.1, 6.1)
-1.2
(-3.6, 1.2)
Geography
Asterisk indicates differences that are statistically significant at the 10 percent level.
6 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
A.4 Unbanked Rates by MSA, 2015–2019
For All Households
2015
(Percent)
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
7.0
6.5
5.4
(5.1, 5.6)
-1.1*
(-1.5, -0.8)
Albuquerque, NM
8.6
7.8
4.1
(2.5, 6.8)
-3.7*
(-7.0, -0.4)
Atlanta-Sandy Springs-Roswell, GA~
10.1
7.5
5.0
(3.3, 7.5)
-2.5
(-5.5, 0.5)
Austin-Round Rock, TX
8.6
3.8
0.7
(0.1, 5.7)
-3.1*
(-5.9, -0.2)
Baltimore-Columbia-Towson, MD
5.9
1.8
5.5
(2.7, 11.0)
3.7
(-0.5, 7.9)
Baton Rouge, LA
14.3
10.8
9.0
(4.9, 15.9)
-1.8
(-9.7, 6.0)
Birmingham-Hoover, AL
12.3
13.3
9.3
(5.4, 15.5)
-4.0
(-12.3, 4.3)
Boise City, ID
2.6
0.9
4.9
(2.5, 9.5)
4.0*
(0.6, 7.4)
Boston-Cambridge-Newton, MA-NH~
4.3
3.2
3.6
(2.4, 5.5)
0.4
(-1.7, 2.5)
Burlington-South Burlington, VT~
1.7
1.7
–
Charleston, WV~
NA
NA
2.5
(1.0, 6.1)
NA
NA
Charlotte-Concord-Gastonia, NC-SC~
7.3
5.3
2.2
(0.9, 5.1)
-3.1
(-6.3, 0.0)
Chicago-Naperville-Elgin, IL-IN-WI
8.1
6.9
7.3
(5.4, 9.8)
0.4
(-2.3, 3.1)
Cincinnati, OH-KY-IN~
7.8
6.2
2.6
(0.9, 6.9)
-3.6
(-8.8, 1.5)
Cleveland-Elyria, OH
11.0
6.4
3.5
(1.5, 8.3)
-2.9
(-7.1, 1.2)
Columbus, OH~
1.4
5.5
5.8
(3.2, 10.1)
0.3
(-4.7, 5.3)
Dallas-Fort Worth-Arlington, TX~
5.5
6.1
7.1
(5.1, 10.0)
1.1
(-2.1, 4.2)
Denver-Aurora-Lakewood, CO
5.2
5.7
3.1
(1.0, 9.6)
-2.5
(-6.9, 1.8)
Detroit-Warren-Dearborn, MI
8.0
6.9
8.8
(6.1, 12.6)
1.9
(-2.4, 6.3)
Fargo, ND-MN
1.8
6.4
1.4
(0.3, 6.1)
-5.0*
(-8.7, -1.3)
Hartford-West Hartford-East Hartford,
CT~
9.3
5.2
11.6
(5.1, 24.1)
6.4
(-2.9, 15.6)
Houston-The Woodlands-Sugar Land,
TX~
10.4
11.8
10.4
(7.7, 13.8)
-1.4
(-5.0, 2.2)
Indianapolis-Carmel-Anderson, IN~
8.5
6.4
6.4
(3.8, 10.4)
-0.1
(-4.6, 4.4)
Jackson, MS~
12.5
17.2
17.1
(10.8, 26.0)
-0.1
(-9.5, 9.2)
Kansas City, MO-KS~
5.0
6.2
5.8
(3.2, 10.1)
-0.4
(-4.6, 3.7)
Las Vegas-Henderson-Paradise, NV
10.1
6.8
5.5
(3.4, 8.9)
-1.3
(-4.8, 2.1)
Little Rock-North Little Rock-Conway,
AR
11.2
7.2
5.1
(2.5, 9.9)
-2.2
(-6.6, 2.2)
Los Angeles-Long Beach-Anaheim, CA
8.6
9.0
7.1
(5.6, 9.1)
-1.9
(-4.3, 0.6)
Louisville/Jefferson County, KY-IN~
10.1
3.0
4.8
(2.6, 8.7)
1.8
(-1.6, 5.1)
Manchester-Nashua, NH~
4.3
5.2
1.1
(0.1, 8.3)
-4.0
(-8.2, 0.2)
Memphis, TN-MS-AR~
17.2
16.7
17.0
(12.5, 22.6)
0.3
(-7.2, 7.8)
Miami-Fort Lauderdale-West Palm
Beach, FL
7.4
8.0
3.9
(2.3, 6.6)
-4.1*
(-7.1, -1.0)
Milwaukee-Waukesha-West Allis, WI
7.1
6.6
5.9
(3.1, 11.0)
-0.7
(-6.3, 4.9)
Minneapolis-St. Paul-Bloomington,
MN-WI~
4.5
1.5
3.3
(1.7, 6.5)
1.8
(-0.8, 4.4)
Geography
All
MSA
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 7
A.4 Unbanked Rates by MSA, 2015–2019 (continued)
For All Households
2015
(Percent)
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
Nashville-Davidson-MurfreesboroFranklin, TN~
9.9
5.0
5.3
(2.4, 11.3)
0.3
(-4.9, 5.4)
New Orleans-Metairie, LA~
17.4
14.7
9.8
(6.4, 14.8)
-4.9
(-11.9, 2.1)
New York-Newark-Jersey City, NY-NJPA~
8.9
7.9
5.8
(4.8, 7.1)
-2.1*
(-3.8, -0.4)
Oklahoma City, OK
13.3
5.7
9.3
(5.7, 14.6)
3.6
(-1.8, 9.0)
Omaha-Council Bluffs, NE-IA
2.9
2.8
4.0
(2.2, 7.1)
1.2
(-1.7, 4.1)
Geography
Orlando-Kissimmee-Sanford, FL
4.3
3.4
3.5
(1.3, 8.6)
0.1
(-3.6, 3.8)
Philadelphia-Camden-Wilmington,
PA-NJ-DE-MD
4.1
5.9
5.2
(3.4, 7.7)
-0.7
(-3.8, 2.4)
Phoenix-Mesa-Scottsdale, AZ
10.6
6.9
3.6
(2.1, 6.1)
-3.4*
(-6.6, -0.1)
Pittsburgh, PA
7.3
3.9
3.4
(1.5, 7.4)
-0.5
(-4.4, 3.4)
Portland-South Portland, ME~
1.8
5.9
1.6
(0.4, 6.0)
-4.3
(-9.7, 1.1)
Portland-Vancouver-Hillsboro, OR-WA
5.0
3.0
2.5
(1.1, 5.7)
-0.5
(-3.0, 1.9)
Providence-Warwick, RI-MA~
5.7
5.4
4.8
(2.7, 8.3)
-0.6
(-3.7, 2.6)
Riverside-San Bernardino-Ontario, CA
8.2
9.1
7.0
(4.5, 10.7)
-2.1
(-6.1, 2.0)
Sacramento-Roseville-Arden-Arcade,
CA
3.5
3.6
2.5
(0.8, 7.4)
-1.1
(-4.8, 2.5)
St. Louis, MO-IL~
8.0
7.5
3.4
(1.8, 6.4)
-4.1*
(-7.8, -0.3)
Salt Lake City, UT~
2.0
3.2
1.1
(0.3, 4.1)
-2.1
(-4.7, 0.4)
San Antonio-New Braunfels, TX
11.3
10.4
6.6
(4.1, 10.7)
-3.8
(-9.3, 1.8)
San Diego-Carlsbad, CA
3.1
3.0
4.0
(2.4, 6.8)
1.0
(-1.8, 3.8)
San Francisco-Oakland-Hayward, CA
2.1
4.8
2.8
(1.4, 5.4)
-2.0
(-5.0, 1.0)
San Jose-Sunnyvale-Santa Clara, CA
NA
3.7
1.9
(0.5, 7.7)
-1.8
(-5.5, 2.0)
Seattle-Tacoma-Bellevue, WA
2.6
1.8
2.6
(1.5, 4.5)
0.8
(-1.2, 2.7)
Sioux Falls, SD
1.9
4.9
2.1
(0.3, 14.9)
-2.8
(-7.8, 2.2)
Tampa-St. Petersburg-Clearwater, FL
4.6
8.0
1.0
(0.2, 4.3)
-7.0*
(-10.7, -3.3)
Tucson, AZ
5.9
NA
5.8
(2.8, 11.5)
NA
NA
Tulsa, OK
11.3
5.1
8.8
(4.8, 15.5)
3.7
(-2.3, 9.8)
Urban Honolulu, HI
1.6
4.1
3.2
(1.6, 6.1)
-0.9
(-3.7, 1.8)
Virginia Beach-Norfolk-Newport
News, VA-NC~
2.9
4.9
6.4
(3.3, 12.0)
1.4
(-4.3, 7.2)
Washington-Arlington-Alexandria,
DC-VA-MD-WV~
3.9
2.6
3.2
(2.1, 5.0)
0.7
(-1.1, 2.4)
Wichita, KS~
12.5
12.9
6.6
(3.5, 12.1)
-6.2
(-12.6, 0.2)
Worcester, MA-CT~
NA
2.6
3.3
(1.4, 7.7)
0.7
(-2.8, 4.2)
The tilde symbol indicates areas with geographic boundary changes between the 2013 and 2015 surveys; see Appendix 1 (FDIC
Technical Notes) for details. Asterisk indicates differences that are statistically significant at the 10 percent level. NA indicates that the
sample size is too small to produce a precise estimate. The dash symbol indicates an estimate of zero; the population proportion may
be slightly greater than zero.
8 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
A.5 Monthly Income Volatility by Level of Income, 2019
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)
131,248
100.0
77.7
18.3
4.1
Less Than $15,000
14,048
100.0
78.0
15.9
6.1
$15,000 to $30,000
18,848
100.0
77.0
17.4
5.6
$30,000 to $50,000
24,694
100.0
75.5
20.6
4.0
$50,000 to $75,000
23,857
100.0
76.9
19.6
3.5
At Least $75,000
49,801
100.0
79.3
17.5
3.2
Characteristics
All
Number of
Households
(1000s)
Family Income
A.6 Interest in Having a Bank Account, Among Unbanked Households, by Previous Bank Account
Ownership and Household Characteristics, 2019
For Unbanked Households, Row Percent
Number of
Households
(1000s)
Percent of
Households
Very
Interested
(Percent)
Somewhat
Interested
(Percent)
Not Very
Interested
(Percent)
Not at All
Interested
(Percent)
6,892
100.0
7.8
17.0
18.9
56.2
Previously Banked
3,472
100.0
11.1
20.6
20.1
48.2
Never Banked
3,420
100.0
4.5
13.4
17.8
64.4
Less Than $15,000
3,214
100.0
8.7
16.6
15.0
59.7
$15,000 to $30,000
1,926
100.0
5.4
16.9
22.5
55.2
$30,000 to $50,000
1,103
100.0
5.6
15.5
23.2
55.7
$50,000 to $75,000
NA
NA
NA
NA
NA
NA
At Least $75,000
NA
NA
NA
NA
NA
NA
No High School Diploma
2,396
100.0
6.0
15.0
19.8
59.1
High School Diploma
2,573
100.0
8.8
15.4
19.4
56.4
Some College
1,529
100.0
8.2
20.0
17.6
54.1
College Degree
NA
NA
NA
NA
NA
NA
15 to 24 Years
539
100.0
8.1
21.4
20.7
49.7
25 to 34 Years
1,419
100.0
9.3
14.3
21.5
54.8
35 to 44 Years
1,379
100.0
7.9
22.8
24.1
45.1
45 to 54 Years
1,122
100.0
9.8
17.4
18.9
53.8
55 to 64 Years
1,302
100.0
7.8
18.8
14.8
58.6
65 Years or More
1,130
100.0
3.8
8.7
13.3
74.3
Characteristics
All
Previous Bank Account Ownership
Family Income
Education
Age Group
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 9
A.6 Interest in Having a Bank Account, Among Unbanked Households, by Previous Bank Account
Ownership and Household Characteristics, 2019 (continued)
For Unbanked Households, Row Percent
Number of
Households
(1000s)
Percent of
Households
Very
Interested
(Percent)
Somewhat
Interested
(Percent)
Not Very
Interested
(Percent)
Not at All
Interested
(Percent)
Black
2,242
100.0
8.4
22.0
19.7
49.8
Hispanic
2,215
100.0
6.7
14.4
21.5
57.3
Asian
NA
NA
NA
NA
NA
NA
American Indian or Alaska Native
NA
NA
NA
NA
NA
NA
Native Hawaiian or Other Pacific
Islander
NA
NA
NA
NA
NA
NA
2,063
100.0
8.5
13.8
15.9
61.9
NA
NA
NA
NA
NA
NA
Disabled, Aged 25 to 64
1,690
100.0
9.7
18.1
15.7
56.5
Not Disabled, Aged 25 to 64
3,532
100.0
8.2
18.5
22.0
51.3
Not Applicable (Not Aged 25 to 64)
1,669
100.0
5.2
12.8
15.7
66.3
Income Was About the Same Each
Month
4,873
100.0
7.9
16.3
16.4
59.3
Income Varied Somewhat From Month
to Month
1,483
100.0
7.1
18.9
23.8
50.2
535
100.0
8.8
17.7
28.4
45.1
2,857
100.0
9.5
18.4
20.1
51.9
NA
NA
NA
NA
NA
NA
3,671
100.0
6.0
15.7
17.7
60.6
Homeowner
1,552
100.0
7.0
17.1
19.1
56.9
Non-Homeowner
5,340
100.0
8.1
17.0
18.9
56.0
Married Couple
1,270
100.0
6.1
15.5
26.1
52.3
Unmarried Female-Headed Family
1,661
100.0
9.7
22.8
19.8
47.7
498
100.0
6.1
19.6
16.9
57.3
Female Individual
1,439
100.0
4.4
13.5
16.4
65.7
Male Individual
1,941
100.0
9.5
15.3
15.6
59.6
NA
NA
NA
NA
NA
NA
Characteristics
Race/Ethnicity
White
Two or More Races
Disability Status
Monthly Income Volatility
Income Varied a Lot From Month to
Month
Employment Status
Employed
Unemployed
Not in Labor Force
Homeownership
Household Type
Unmarried Male-Headed Family
Other
10 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
A.6 Interest in Having a Bank Account, Among Unbanked Households, by Previous Bank Account
Ownership and Household Characteristics, 2019 (continued)
For Unbanked Households, Row Percent
Number of
Households
(1000s)
Percent of
Households
Very
Interested
(Percent)
Somewhat
Interested
(Percent)
Not Very
Interested
(Percent)
Not at All
Interested
(Percent)
5,268
100.0
7.8
17.3
18.3
56.6
NA
NA
NA
NA
NA
NA
1,215
100.0
7.4
16.8
21.4
54.4
Metropolitan Area - Principal City
3,046
100.0
8.3
18.7
21.3
51.7
Metropolitan Area - Balance
2,038
100.0
7.9
15.9
18.2
58.0
Not in Metropolitan Area
1,051
100.0
5.6
17.5
16.3
60.5
756
100.0
9.0
12.2
15.2
63.6
Northeast
1,031
100.0
9.5
25.8
18.9
45.8
Midwest
1,354
100.0
7.5
18.7
16.5
57.2
South
3,073
100.0
7.7
15.6
18.3
58.5
West
1,433
100.0
7.2
12.1
22.7
58.0
Characteristics
Citizenship and Place of Birth
U.S.-Born
Foreign-Born Citizen
Foreign-Born Noncitizen
Metropolitan Status
Not Identified
Geographic Region
NA indicates that the sample size is too small to produce a precise estimate.
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 11
A.7 All Reasons for Not Having a Bank Account, Among Unbanked Households, by Previous
Bank Account Ownership, 2019
For Unbanked Households, Column Percent
All
Previously
Banked
Never
Banked
Number of Households (1000s)
6,892
3,472
3,420
Percent of Households
100.0
100.0
100.0
Yes
13.0
11.9
14.1
No
87.0
88.1
85.9
Yes
14.1
12.9
15.3
No
85.9
87.1
84.7
Yes
34.2
36.0
32.5
No
65.8
64.0
67.5
Yes
31.3
34.8
27.8
No
68.7
65.2
72.2
Yes
19.6
19.0
20.3
No
80.4
81.0
79.7
Yes
36.3
34.6
38.0
No
63.7
65.4
62.0
Yes
48.9
49.5
48.3
No
51.1
50.5
51.7
Yes
36.0
35.4
36.7
No
64.0
64.6
63.3
Yes
20.5
18.9
22.2
No
79.5
81.1
77.8
Yes
17.8
22.5
13.0
No
82.2
77.5
87.0
Yes
10.4
6.5
14.3
No
89.6
93.5
85.7
Bank Hours Are Inconvenient (Percent)
Bank Locations Are Inconvenient (Percent)
Bank Account Fees Are Too High (Percent)
Bank Account Fees Are Too Unpredictable (Percent)
Banks Do Not Offer Needed Products and Services (Percent)
Don’t Trust Banks (Percent)
Don’t Have Enough Money to Meet Minimum Balance Requirements (Percent)
Avoiding a Bank Gives More Privacy (Percent)
Personal Identification, Credit, or Former Bank Account Problems (Percent)
Other Reason (Percent)
Did Not Select a Reason (Percent)
12 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
A.8 Main Reason for Not Having a Bank Account, Among Unbanked Households, by Previous
Bank Account Ownership, 2019
For Unbanked Households, Column Percent
All
Previously
Banked
Never
Banked
Number of Households (1000s)
6,892
3,472
3,420
Percent of Households
100.0
100.0
100.0
Bank Hours Are Inconvenient
2.4
2.3
2.6
Bank Locations Are Inconvenient
2.2
2.5
2.0
Bank Account Fees Are Too High
7.3
7.6
7.1
Bank Account Fees Are Too Unpredictable
1.6
1.8
1.4
Banks Do Not Offer Needed Products and Services
1.9
1.6
2.3
Don’t Trust Banks
16.1
15.8
16.4
Don’t Have Enough Money to Meet Minimum Balance Requirements
29.0
28.4
29.6
Avoiding a Bank Gives More Privacy
7.1
7.0
7.2
Personal Identification, Credit, or Former Bank Account Problems
8.0
7.4
8.5
Other Reason
13.9
19.0
8.7
Did Not Select a Reason
10.4
6.5
14.3
Main Reason Unbanked (Percent)
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 13
A.9 All Reasons for Not Having a Bank Account, Among Unbanked Households, by Interest in
Having a Bank Account, 2019
For Unbanked Households, Column Percent
All
Very
Interested
Somewhat
Interested
Not Very
Interested
Not at All
Interested
Number of Households (1000s)
6,892
539
1,172
1,306
3,876
Percent of Households
100.0
100.0
100.0
100.0
100.0
Yes
13.0
9.2
15.5
17.7
11.2
No
87.0
90.8
84.5
82.3
88.8
Yes
14.1
8.5
16.1
21.4
11.8
No
85.9
91.5
83.9
78.6
88.2
Yes
34.2
26.5
37.6
44.2
30.9
No
65.8
73.5
62.4
55.8
69.1
Yes
31.3
23.3
36.7
35.1
29.6
No
68.7
76.7
63.3
64.9
70.4
Yes
19.6
10.5
22.3
20.7
19.8
No
80.4
89.5
77.7
79.3
80.2
Yes
36.3
15.4
28.9
37.9
40.9
No
63.7
84.6
71.1
62.1
59.1
Yes
48.9
46.4
49.3
51.8
48.2
No
51.1
53.6
50.7
48.2
51.8
Yes
36.0
19.6
28.3
38.5
39.8
No
64.0
80.4
71.7
61.5
60.2
Yes
20.5
34.9
22.9
22.9
17.0
No
79.5
65.1
77.1
77.1
83.0
Yes
17.8
21.5
15.7
18.7
17.6
No
82.2
78.5
84.3
81.3
82.4
Yes
10.4
8.7
12.2
7.9
10.9
No
89.6
91.3
87.8
92.1
89.1
Bank Hours Are Inconvenient (Percent)
Bank Locations Are Inconvenient (Percent)
Bank Account Fees Are Too High (Percent)
Bank Account Fees Are Too Unpredictable (Percent)
Banks Do Not Offer Needed Products and Services
(Percent)
Don’t Trust Banks (Percent)
Don’t Have Enough Money to Meet Minimum Balance
Requirements (Percent)
Avoiding a Bank Gives More Privacy (Percent)
Personal Identification, Credit, or Former Bank Account
Problems (Percent)
Other Reason (Percent)
Did Not Select a Reason (Percent)
14 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
A.10 Main Reason for Not Having a Bank Account, Among Unbanked Households, by Interest in
Having a Bank Account, 2019
For Unbanked Households, Column Percent
All
Very
Interested
Somewhat
Interested
Not Very
Interested
Not at All
Interested
Number of Households (1000s)
6,892
539
1,172
1,306
3,876
Percent of Households
100.0
100.0
100.0
100.0
100.0
Bank Hours Are Inconvenient
2.4
1.8
5.7
1.4
1.9
Bank Locations Are Inconvenient
2.2
5.1
1.3
4.8
1.3
Bank Account Fees Are Too High
7.3
3.5
7.8
9.7
6.9
Bank Account Fees Are Too Unpredictable
1.6
–
1.2
1.6
2.0
Banks Do Not Offer Needed Products and Services
1.9
1.1
1.1
2.0
2.2
Don’t Trust Banks
16.1
5.3
9.9
15.3
19.7
Don’t Have Enough Money to Meet Minimum Balance
Requirements
29.0
34.4
32.6
27.9
27.6
Avoiding a Bank Gives More Privacy
7.1
2.7
5.3
6.1
8.6
Personal Identification, Credit, or Former Bank Account
Problems
8.0
20.1
9.3
10.5
5.0
Other Reason
13.9
17.2
13.7
12.9
13.8
Did Not Select a Reason
10.4
8.7
12.2
7.9
10.9
Main Reason Unbanked (Percent)
The dash symbol indicates an estimate of zero; the population proportion may be slightly greater than zero.
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 15
A.11 Satisfaction With Most Recent Bank, Among Unbanked Households That Had Previously Been
Banked, by Recent Bank Account Ownership and Household Characteristics, 2019
For Unbanked Households That Had Previously Been Banked, Row Percent
Number of
Households
(1000s)
Percent of
Households
Very
Satisfied
(Percent)
Somewhat
Satisfied
(Percent)
Not Very
Satisfied
(Percent)
Not
Satisfied
at All
(Percent)
Don't
Know
(Percent)
3,472
100.0
24.3
30.8
14.4
22.8
7.7
716
100.0
29.3
38.5
14.1
16.1
2.0
2,756
100.0
23.0
28.9
14.5
24.5
9.1
Less Than $15,000
1,673
100.0
25.9
29.4
14.8
21.1
8.9
$15,000 to $30,000
955
100.0
21.0
33.1
11.8
26.9
7.2
$30,000 to $50,000
519
100.0
23.1
27.1
20.5
22.5
6.7
$50,000 to $75,000
NA
NA
NA
NA
NA
NA
NA
At Least $75,000
NA
NA
NA
NA
NA
NA
NA
955
100.0
24.8
29.7
15.9
19.1
10.5
High School Diploma
1,299
100.0
24.4
32.8
13.4
22.1
7.3
Some College
1,016
100.0
23.4
30.2
15.2
25.4
5.8
College Degree
NA
NA
NA
NA
NA
NA
NA
15 to 24 Years
NA
NA
NA
NA
NA
NA
NA
25 to 34 Years
651
100.0
25.1
26.3
17.1
24.0
7.5
35 to 44 Years
691
100.0
20.2
39.9
11.5
22.4
5.9
45 to 54 Years
563
100.0
27.4
29.8
11.9
23.0
7.9
55 to 64 Years
754
100.0
25.2
27.8
14.8
24.7
7.5
65 Years or More
578
100.0
20.2
33.0
15.6
20.9
10.3
1,299
100.0
22.4
33.8
13.1
21.8
9.0
Hispanic
730
100.0
24.6
27.6
17.6
23.1
7.2
Asian
NA
NA
NA
NA
NA
NA
NA
American Indian or Alaska Native
NA
NA
NA
NA
NA
NA
NA
Native Hawaiian or Other Pacific
Islander
NA
NA
NA
NA
NA
NA
NA
1,250
100.0
26.8
28.5
14.9
22.3
7.6
NA
NA
NA
NA
NA
NA
NA
966
100.0
25.9
28.7
12.4
26.9
6.2
1,693
100.0
23.5
32.3
14.7
21.7
7.7
813
100.0
24.2
30.3
16.2
20.0
9.3
Characteristics
All
Recent Bank Account Ownership
Last Had Bank Account in Past
12 Months
Last Had Bank Account More Than
12 Months Ago
Family Income
Education
No High School Diploma
Age Group
Race/Ethnicity
Black
White
Two or More Races
Disability Status
Disabled, Aged 25 to 64
Not Disabled, Aged 25 to 64
Not Applicable (Not Aged 25 to 64)
16 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
A.11 Satisfaction With Most Recent Bank, Among Unbanked Households That Had Previously Been
Banked, by Recent Bank Account Ownership and Household Characteristics, 2019 (continued)
For Unbanked Households That Had Previously Been Banked, Row Percent
Number of
Households
(1000s)
Percent of
Households
Very
Satisfied
(Percent)
Somewhat
Satisfied
(Percent)
Not Very
Satisfied
(Percent)
Not
Satisfied
at All
(Percent)
Don't
Know
(Percent)
2,476
100.0
21.9
31.7
15.7
21.9
8.7
Income Varied Somewhat From
Month to Month
696
100.0
30.4
32.1
13.4
18.2
5.9
Income Varied a Lot From Month
to Month
NA
NA
NA
NA
NA
NA
NA
1,397
100.0
25.4
30.4
12.8
22.7
8.7
NA
NA
NA
NA
NA
NA
NA
1,861
100.0
21.9
30.9
16.1
23.9
7.3
833
100.0
34.4
30.7
13.4
15.8
5.7
2,639
100.0
21.1
30.9
14.8
25.0
8.3
Married Couple
458
100.0
24.7
34.4
17.0
17.6
6.4
Unmarried Female-Headed Family
897
100.0
23.7
34.3
13.6
18.8
9.7
Unmarried Male-Headed Family
NA
NA
NA
NA
NA
NA
NA
Female Individual
761
100.0
21.5
27.5
14.3
28.4
8.2
1,074
100.0
27.8
29.9
13.5
21.3
7.6
NA
NA
NA
NA
NA
NA
NA
3,026
100.0
24.8
30.3
14.0
22.9
8.1
Foreign-Born Citizen
NA
NA
NA
NA
NA
NA
NA
Foreign-Born Noncitizen
NA
NA
NA
NA
NA
NA
NA
1,592
100.0
20.7
31.0
15.1
24.5
8.7
Metropolitan Area - Balance
953
100.0
26.1
31.4
12.7
24.1
5.6
Not in Metropolitan Area
537
100.0
22.9
32.4
17.6
18.6
8.4
Not Identified
389
100.0
36.2
26.7
11.5
18.0
7.5
Northeast
NA
NA
NA
NA
NA
NA
NA
Midwest
797
100.0
28.2
31.8
8.6
22.2
9.2
South
1,467
100.0
27.9
28.4
15.0
20.6
8.2
West
665
100.0
15.0
28.4
23.8
26.3
6.5
Characteristics
Monthly Income Volatility
Income Was About the Same Each
Month
Employment Status
Employed
Unemployed
Not in Labor Force
Homeownership
Homeowner
Non-Homeowner
Household Type
Male Individual
Other
Citizenship and Place of Birth
U.S.-Born
Metropolitan Status
Metropolitan Area - Principal City
Geographic Region
“Don’t know” was not one of the four administered response options. Some households did not choose one of the four administered
response options and instead volunteered, “don’t know.” See Appendix 1 (FDIC Technical Notes) for details. NA indicates that the
sample size is too small to produce a precise estimate.
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 17
A.12 Perceptions of Clarity of Banks’ Communications About Account Fees, Among Unbanked
Households That Had Previously Been Banked, by Recent Bank Account Ownership and
Household Characteristics, 2019
For Unbanked Households That Had Previously Been Banked, Row Percent
Number of
Households
(1000s)
Percent of
Households
Very
Clearly
(Percent)
Somewhat
Clearly
(Percent)
Not Very
Clearly
(Percent)
Not
Clearly
at All
(Percent)
Don't
Know
(Percent)
3,472
100.0
17.4
29.4
20.8
22.4
10.0
716
100.0
27.0
31.5
21.7
15.6
4.2
2,756
100.0
14.9
28.9
20.5
24.2
11.5
Less Than $15,000
1,673
100.0
17.0
28.6
18.9
25.3
10.3
$15,000 to $30,000
955
100.0
16.1
28.9
22.9
22.5
9.5
$30,000 to $50,000
519
100.0
19.6
28.8
23.8
18.7
9.1
$50,000 to $75,000
NA
NA
NA
NA
NA
NA
NA
At Least $75,000
NA
NA
NA
NA
NA
NA
NA
955
100.0
18.3
33.2
19.2
17.7
11.6
High School Diploma
1,299
100.0
19.1
27.3
21.6
21.3
10.7
Some College
1,016
100.0
14.0
28.1
21.2
28.7
8.1
College Degree
NA
NA
NA
NA
NA
NA
NA
15 to 24 Years
NA
NA
NA
NA
NA
NA
NA
25 to 34 Years
651
100.0
16.4
34.0
22.4
18.0
9.1
35 to 44 Years
691
100.0
18.1
28.8
23.5
24.0
5.7
45 to 54 Years
563
100.0
19.6
25.9
22.5
21.5
10.5
55 to 64 Years
754
100.0
14.6
34.9
15.6
21.9
13.0
65 Years or More
578
100.0
14.9
25.2
18.2
27.3
14.5
1,299
100.0
18.3
31.2
18.9
22.7
8.9
Hispanic
730
100.0
20.1
23.7
22.0
22.4
11.7
Asian
NA
NA
NA
NA
NA
NA
NA
American Indian or Alaska Native
NA
NA
NA
NA
NA
NA
NA
Native Hawaiian or Other Pacific
Islander
NA
NA
NA
NA
NA
NA
NA
1,250
100.0
15.7
29.7
22.0
21.3
11.3
NA
NA
NA
NA
NA
NA
NA
966
100.0
15.7
28.8
18.8
27.2
9.6
1,693
100.0
17.7
32.6
21.9
18.1
9.7
813
100.0
18.7
23.7
20.7
25.7
11.2
Characteristics
All
Recent Bank Account Ownership
Last Had Bank Account in Past
12 Months
Last Had Bank Account More Than
12 Months Ago
Family Income
Education
No High School Diploma
Age Group
Race/Ethnicity
Black
White
Two or More Races
Disability Status
Disabled, Aged 25 to 64
Not Disabled, Aged 25 to 64
Not Applicable (Not Aged 25 to 64)
18 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
A.12 Perceptions of Clarity of Banks’ Communications About Account Fees, Among Unbanked
Households That Had Previously Been Banked, by Recent Bank Account Ownership and
Household Characteristics, 2019 (continued)
For Unbanked Households That Had Previously Been Banked, Row Percent
Number of
Households
(1000s)
Percent of
Households
Very
Clearly
(Percent)
Somewhat
Clearly
(Percent)
Not Very
Clearly
(Percent)
Not
Clearly
at All
(Percent)
Don't
Know
(Percent)
2,476
100.0
16.4
30.3
19.9
21.8
11.6
Income Varied Somewhat From
Month to Month
696
100.0
20.8
25.8
23.7
23.3
6.4
Income Varied a Lot From Month
to Month
NA
NA
NA
NA
NA
NA
NA
1,397
100.0
19.9
30.9
19.0
20.2
10.0
NA
NA
NA
NA
NA
NA
NA
1,861
100.0
15.0
27.8
22.2
24.2
10.9
833
100.0
24.2
23.2
27.4
14.6
10.6
2,639
100.0
15.2
31.4
18.7
24.9
9.8
Married Couple
458
100.0
20.3
33.8
19.7
18.6
7.5
Unmarried Female-Headed Family
897
100.0
15.7
33.4
20.5
21.5
8.9
Unmarried Male-Headed Family
NA
NA
NA
NA
NA
NA
NA
Female Individual
761
100.0
13.0
27.8
22.1
27.3
9.7
1,074
100.0
17.1
28.6
19.1
21.6
13.6
NA
NA
NA
NA
NA
NA
NA
3,026
100.0
16.6
28.7
20.6
23.8
10.3
Foreign-Born Citizen
NA
NA
NA
NA
NA
NA
NA
Foreign-Born Noncitizen
NA
NA
NA
NA
NA
NA
NA
1,592
100.0
19.3
26.5
20.7
25.6
7.9
Metropolitan Area - Balance
953
100.0
16.0
31.7
18.7
20.4
13.2
Not in Metropolitan Area
537
100.0
18.5
30.6
25.9
17.7
7.3
Not Identified
389
100.0
11.5
34.4
18.8
20.9
14.3
Northeast
NA
NA
NA
NA
NA
NA
NA
Midwest
797
100.0
23.2
27.2
20.3
17.5
11.7
South
1,467
100.0
19.1
28.9
17.4
24.0
10.7
West
665
100.0
13.9
22.9
30.0
24.7
8.5
Characteristics
Monthly Income Volatility
Income Was About the Same Each
Month
Employment Status
Employed
Unemployed
Not in Labor Force
Homeownership
Homeowner
Non-Homeowner
Household Type
Male Individual
Other
Citizenship and Place of Birth
U.S.-Born
Metropolitan Status
Metropolitan Area - Principal City
Geographic Region
“Don’t know” was not one of the four administered response options. Some households did not choose one of the four administered
response options and instead volunteered, “don’t know.” See Appendix 1 (FDIC Technical Notes) for details. NA indicates that the
sample size is too small to produce a precise estimate.
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 19
B.1 Primary Method Used to Access Bank Accounts by Household Characteristics, 2019
For Banked Households That Accessed Their Account in the Past 12 Months, Row Percent
Characteristics
All
Number of
Bank
Percent of
Households
Teller
Households
(1000s)
(Percent)
ATM/
Telephone Online
Kiosk
Banking Banking
(Percent) (Percent) (Percent)
Mobile
Banking
(Percent)
Other
(Percent)
120,847
100.0
21.0
19.5
2.4
22.8
34.0
0.3
Less Than $15,000
9,761
100.0
35.9
23.6
5.8
9.9
23.5
1.3
$15,000 to $30,000
16,027
100.0
31.7
24.7
4.7
12.7
25.9
0.4
$30,000 to $50,000
22,822
100.0
24.7
21.7
2.8
17.1
33.2
0.5
$50,000 to $75,000
23,065
100.0
20.3
20.4
2.1
21.2
35.9
0.2
At Least $75,000
49,172
100.0
13.1
15.6
0.9
32.1
38.1
0.2
No High School Diploma
8,223
100.0
39.6
29.5
5.1
5.8
19.2
0.8
High School Diploma
28,607
100.0
30.3
24.0
3.5
14.6
27.3
0.5
Some College
34,894
100.0
20.3
19.8
2.5
20.6
36.5
0.4
College Degree
49,123
100.0
12.9
15.1
1.2
32.1
38.6
0.2
15 to 24 Years
5,643
100.0
10.2
17.3
2.2
7.2
62.9
0.1
25 to 34 Years
19,714
100.0
8.0
15.1
0.6
14.4
61.7
0.2
35 to 44 Years
20,699
100.0
10.6
18.2
1.1
20.1
49.8
0.2
45 to 54 Years
20,900
100.0
15.5
19.9
1.6
26.6
36.3
0.1
55 to 64 Years
22,599
100.0
24.3
21.9
2.9
29.3
21.3
0.3
65 Years or More
31,292
100.0
39.2
21.6
4.5
25.7
8.3
0.7
Black
13,836
100.0
20.6
27.0
3.1
12.0
37.2
0.2
Hispanic
15,504
100.0
20.9
24.3
2.1
11.1
41.3
0.2
Asian
Family Income
Education
Age Group
Race/Ethnicity
6,756
100.0
18.4
15.2
1.3
25.7
39.3
–
American Indian or Alaska
Native
762
100.0
23.2
26.0
3.3
17.0
30.5
–
Native Hawaiian or Other
Pacific Islander
NA
NA
NA
NA
NA
NA
NA
NA
White
82,100
100.0
21.4
17.7
2.4
26.7
31.4
0.4
Two or More Races
1,618
100.0
14.0
13.4
2.9
24.1
45.5
0.1
Disabled, Aged 25 to 64
8,522
100.0
23.3
24.0
5.2
17.2
29.8
0.6
Not Disabled, Aged 25 to 64
75,389
100.0
13.9
18.3
1.2
23.5
42.9
0.2
Not Applicable (Not Aged 25
to 64)
36,935
100.0
34.8
20.9
4.1
22.9
16.7
0.6
Income Was About the Same
Each Month
94,089
100.0
21.8
19.8
2.6
23.4
32.0
0.4
Income Varied Somewhat
From Month to Month
22,057
100.0
17.5
19.4
1.6
20.6
40.8
0.2
Income Varied a Lot From
Month to Month
4,701
100.0
21.5
14.0
1.5
21.9
40.6
0.5
Disability Status
Monthly Income Volatility
20 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
B.1 Primary Method Used to Access Bank Accounts by Household Characteristics, 2019 (continued)
For Banked Households That Accessed Their Account in the Past 12 Months, Row Percent
Characteristics
Number of
Bank
Percent of
Households
Teller
Households
(1000s)
(Percent)
ATM/
Telephone Online
Kiosk
Banking Banking
(Percent) (Percent) (Percent)
Mobile
Banking
(Percent)
Other
(Percent)
Employment Status
Employed
77,759
100.0
14.3
18.0
1.2
23.0
43.3
0.1
Unemployed
2,469
100.0
18.6
21.1
3.1
19.6
37.4
0.3
Not in Labor Force
40,619
100.0
33.8
22.3
4.6
22.7
15.9
0.7
Homeowner
81,131
100.0
22.6
18.3
2.2
27.5
29.1
0.3
Non-Homeowner
39,716
100.0
17.6
22.0
2.8
13.3
43.9
0.4
Married Couple
58,716
100.0
19.7
17.3
1.7
28.4
32.7
0.2
Unmarried Female-Headed
Family
13,181
100.0
18.3
23.7
2.8
13.1
41.9
0.2
Unmarried Male-Headed
Family
5,982
100.0
20.8
23.5
1.4
15.7
38.4
0.1
Female Individual
22,319
100.0
26.4
19.8
4.3
18.7
30.1
0.7
Male Individual
20,485
100.0
20.5
21.6
2.3
19.9
35.3
0.4
NA
NA
NA
NA
NA
NA
NA
NA
U.S.-Born
103,466
100.0
20.8
19.0
2.5
23.6
33.8
0.4
Foreign-Born Citizen
10,492
100.0
23.9
21.7
2.0
20.7
31.5
0.2
Foreign-Born Noncitizen
6,889
100.0
19.2
23.8
1.7
14.5
40.8
0.1
Metropolitan Area - Principal
City
34,299
100.0
16.9
20.0
2.2
21.3
39.3
0.3
Metropolitan Area - Balance
53,908
100.0
18.7
19.5
2.1
25.3
34.2
0.3
Not in Metropolitan Area
15,334
100.0
33.4
19.5
3.8
18.5
24.3
0.5
Not Identified
17,306
100.0
25.0
18.8
2.4
22.0
31.3
0.4
Northeast
20,997
100.0
22.0
23.1
2.0
24.0
28.7
0.4
Midwest
26,189
100.0
22.6
17.6
2.8
23.3
33.2
0.4
South
45,659
100.0
21.2
19.6
2.6
20.4
35.8
0.3
West
28,002
100.0
18.2
18.5
1.8
25.6
35.6
0.2
Homeownership
Household Type
Other
Citizenship and Place of Birth
Metropolitan Status
Geographic Region
NA indicates that the sample size is too small to produce a precise estimate. The dash symbol indicates an estimate of zero; the
population proportion may be slightly greater than zero.
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 21
B.2 Bank Teller as Primary Method of Bank Account Access by Household Characteristics,
2015–2019
For Banked Households That Accessed Their Account in the Past 12 Months
2015
(Percent)
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
28.2
24.3
21.0
(20.5, 21.4)
-3.4*
(-4.0, -2.7)
Less Than $15,000
41.7
38.8
35.9
(34.0, 37.7)
-2.9*
(-5.5, -0.4)
$15,000 to $30,000
40.5
38.0
31.7
(30.1, 33.2)
-6.4*
(-8.4, -4.4)
$30,000 to $50,000
32.5
28.9
24.7
(23.6, 25.9)
-4.1*
(-5.8, -2.5)
$50,000 to $75,000
25.8
23.3
20.3
(19.4, 21.3)
-3.0*
(-4.3, -1.6)
At Least $75,000
16.7
13.3
13.1
(12.5, 13.6)
-0.3
(-1.1, 0.6)
No High School Diploma
50.8
46.2
39.6
(37.4, 41.8)
-6.7*
(-9.8, -3.5)
High School Diploma
38.2
33.8
30.3
(29.3, 31.3)
-3.5*
(-4.9, -2.2)
Some College
25.6
22.9
20.3
(19.5, 21.2)
-2.6*
(-3.7, -1.5)
College Degree
17.9
14.8
12.9
(12.3, 13.4)
-2.0*
(-2.8, -1.2)
15 to 24 Years
15.9
13.3
10.2
(8.7, 12.0)
-3.0*
(-5.6, -0.4)
25 to 34 Years
14.3
10.6
8.0
(7.2, 8.9)
-2.6*
(-3.9, -1.3)
35 to 44 Years
16.9
13.6
10.6
(9.8, 11.4)
-3.0*
(-4.2, -1.8)
45 to 54 Years
22.9
18.7
15.5
(14.4, 16.5)
-3.2*
(-4.6, -1.8)
55 to 64 Years
31.7
26.1
24.3
(23.1, 25.4)
-1.8*
(-3.2, -0.4)
65 Years or More
48.7
45.1
39.2
(38.3, 40.1)
-5.9*
(-7.2, -4.6)
Black
31.0
24.9
20.6
(19.1, 22.1)
-4.4*
(-6.4, -2.4)
Hispanic
29.0
25.0
20.9
(19.5, 22.4)
-4.1*
(-6.2, -2.0)
Asian
26.1
19.6
18.4
(16.6, 20.3)
-1.2
(-4.2, 1.8)
American Indian or Alaska Native
30.3
30.2
23.2
(18.3, 29.0)
-7.0
(-16.0, 2.1)
Native Hawaiian or Other Pacific
Islander
NA
NA
NA
NA
NA
NA
White
27.9
24.5
21.4
(20.8, 21.9)
-3.2*
(-3.9, -2.5)
Two or More Races
17.7
17.1
14.0
(11.0, 17.8)
-3.0
(-8.4, 2.4)
Disabled, Aged 25 to 64
32.4
28.7
23.3
(21.6, 25.1)
-5.4*
(-7.8, -3.1)
Not Disabled, Aged 25 to 64
20.6
16.3
13.9
(13.4, 14.4)
-2.4*
(-3.0, -1.7)
Not Applicable (Not Aged 25 to 64)
43.3
39.8
34.8
(33.9, 35.7)
-5.0*
(-6.2, -3.8)
Income Was About the Same Each
Month
28.6
24.8
21.8
(21.2, 22.3)
-3.0*
(-3.7, -2.3)
Income Varied Somewhat From
Month to Month
25.3
20.8
17.5
(16.5, 18.5)
-3.3*
(-4.8, -1.8)
Income Varied a Lot From Month to
Month
30.2
24.9
21.5
(19.2, 24.0)
-3.4
(-6.8, 0.0)
Characteristics
All
Family Income
Education
Age Group
Race/Ethnicity
Disability Status
Monthly Income Volatility
22 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
B.2 Bank Teller as Primary Method of Bank Account Access by Household Characteristics,
2015–2019 (continued)
For Banked Households That Accessed Their Account in the Past 12 Months
2015
(Percent)
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
Employed
20.6
16.8
14.3
(13.8, 14.9)
-2.5*
(-3.2, -1.7)
Unemployed
21.4
20.3
18.6
(15.8, 21.7)
-1.8
(-5.8, 2.2)
Not in Labor Force
42.6
38.5
33.8
(32.9, 34.6)
-4.7*
(-5.8, -3.6)
Homeowner
30.2
26.1
22.6
(22.0, 23.2)
-3.5*
(-4.2, -2.7)
Non-Homeowner
24.2
20.8
17.6
(16.8, 18.5)
-3.2*
(-4.4, -2.0)
Married Couple
26.2
22.1
19.7
(19.1, 20.3)
-2.4*
(-3.3, -1.6)
Unmarried Female-Headed Family
25.8
22.1
18.3
(17.1, 19.6)
-3.7*
(-5.5, -2.0)
Unmarried Male-Headed Family
28.4
25.0
20.8
(19.0, 22.8)
-4.2*
(-7.1, -1.4)
Female Individual
34.8
30.3
26.4
(25.3, 27.5)
-4.0*
(-5.4, -2.6)
Male Individual
28.5
25.7
20.5
(19.5, 21.6)
-5.1*
(-6.7, -3.6)
Other
NA
NA
NA
NA
NA
NA
U.S.-Born
27.5
24.0
20.8
(20.3, 21.3)
-3.2*
(-3.9, -2.6)
Foreign-Born Citizen
34.4
26.2
23.9
(22.2, 25.7)
-2.3
(-4.8, 0.1)
Foreign-Born Noncitizen
29.0
26.2
19.2
(17.3, 21.2)
-7.0*
(-9.8, -4.2)
Metropolitan Area - Principal City
24.6
19.8
16.9
(16.1, 17.8)
-2.9*
(-4.0, -1.7)
Metropolitan Area - Balance
24.9
21.8
18.7
(18.0, 19.4)
-3.1*
(-4.0, -2.1)
Not in Metropolitan Area
41.5
37.8
33.4
(31.7, 35.2)
-4.3*
(-6.5, -2.2)
Not Identified
31.9
28.8
25.0
(23.6, 26.4)
-3.8*
(-5.7, -1.8)
Northeast
27.9
26.0
22.0
(20.8, 23.2)
-4.0*
(-5.6, -2.4)
Midwest
31.2
27.5
22.6
(21.8, 23.6)
-4.9*
(-6.3, -3.5)
South
29.7
24.5
21.2
(20.4, 22.1)
-3.3*
(-4.4, -2.2)
West
23.0
19.6
18.2
(17.3, 19.2)
-1.4*
(-2.6, -0.2)
Characteristics
Employment Status
Homeownership
Household Type
Citizenship and Place of Birth
Metropolitan Status
Geographic Region
Asterisk indicates differences that are statistically significant at the 10 percent level. NA indicates that the sample size is too small to
produce a precise estimate.
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 23
B.3 ATM/Kiosk as Primary Method of Bank Account Access by Household Characteristics,
2015–2019
For Banked Households That Accessed Their Account in the Past 12 Months
2015
(Percent)
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
21.0
19.9
19.5
(19.0, 20.0)
-0.3
(-1.0, 0.4)
Less Than $15,000
25.6
26.0
23.6
(21.8, 25.5)
-2.4
(-4.9, 0.1)
$15,000 to $30,000
25.0
24.5
24.7
(23.3, 26.1)
0.2
(-1.8, 2.1)
$30,000 to $50,000
23.8
22.8
21.7
(20.6, 22.8)
-1.1
(-2.6, 0.3)
$50,000 to $75,000
19.6
18.7
20.4
(19.4, 21.4)
1.7*
(0.1, 3.2)
At Least $75,000
16.9
15.5
15.6
(15.0, 16.3)
0.2
(-0.7, 1.1)
No High School Diploma
26.4
28.2
29.5
(27.6, 31.5)
1.4
(-1.4, 4.1)
High School Diploma
24.4
24.4
24.0
(22.9, 25.0)
-0.4
(-1.9, 1.1)
Some College
21.5
20.3
19.8
(18.9, 20.6)
-0.5
(-1.7, 0.7)
College Degree
17.0
15.0
15.1
(14.5, 15.7)
0.1
(-0.8, 1.1)
15 to 24 Years
24.3
21.9
17.3
(15.2, 19.6)
-4.5*
(-7.8, -1.3)
25 to 34 Years
18.4
15.9
15.1
(14.1, 16.3)
-0.8
(-2.4, 0.8)
35 to 44 Years
19.7
17.8
18.2
(17.2, 19.3)
0.4
(-1.1, 1.8)
45 to 54 Years
23.8
22.2
19.9
(18.8, 21.1)
-2.3*
(-4.0, -0.6)
55 to 64 Years
22.8
23.4
21.9
(20.8, 23.1)
-1.4
(-2.9, 0.1)
65 Years or More
19.5
18.9
21.6
(20.7, 22.5)
2.7*
(1.5, 3.8)
Black
28.3
28.0
27.0
(25.5, 28.6)
-1.0
(-3.3, 1.2)
Hispanic
27.2
26.1
24.3
(22.9, 25.8)
-1.8
(-4.0, 0.4)
Asian
18.4
15.3
15.2
(13.5, 17.2)
0.0
(-2.8, 2.7)
American Indian or Alaska Native
21.8
28.2
26.0
(20.0, 32.9)
-2.2
(-9.9, 5.5)
Native Hawaiian or Other Pacific
Islander
NA
NA
NA
NA
NA
NA
White
19.0
17.7
17.7
(17.2, 18.3)
0.1
(-0.7, 0.8)
Two or More Races
20.6
19.1
13.4
(10.1, 17.5)
-5.7*
(-11.1, -0.3)
Disabled, Aged 25 to 64
27.7
27.9
24.0
(22.3, 25.8)
-3.9*
(-6.3, -1.5)
Not Disabled, Aged 25 to 64
20.5
19.1
18.3
(17.7, 18.9)
-0.8
(-1.6, 0.1)
Not Applicable (Not Aged 25 to 64)
20.3
19.4
20.9
(20.1, 21.7)
1.5*
(0.5, 2.5)
Income Was About the Same Each
Month
21.1
19.7
19.8
(19.3, 20.4)
0.1
(-0.6, 0.9)
Income Varied Somewhat From
Month to Month
20.5
20.5
19.4
(18.3, 20.5)
-1.2
(-2.8, 0.5)
Income Varied a Lot From Month to
Month
19.1
16.4
14.0
(12.2, 16.0)
-2.4
(-5.4, 0.6)
Characteristics
All
Family Income
Education
Age Group
Race/Ethnicity
Disability Status
Monthly Income Volatility
24 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
B.3 ATM/Kiosk as Primary Method of Bank Account Access by Household Characteristics,
2015–2019 (continued)
For Banked Households That Accessed Their Account in the Past 12 Months
2015
(Percent)
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
Employed
20.2
18.6
18.0
(17.4, 18.6)
-0.6
(-1.5, 0.3)
Unemployed
29.6
24.0
21.1
(17.7, 24.9)
-2.9
(-7.4, 1.7)
Not in Labor Force
21.9
21.9
22.3
(21.5, 23.2)
0.5
(-0.6, 1.6)
Homeowner
18.5
17.8
18.3
(17.8, 18.9)
0.5
(-0.2, 1.3)
Non-Homeowner
26.2
24.0
22.0
(21.1, 22.9)
-2.0*
(-3.5, -0.6)
Married Couple
18.3
17.2
17.3
(16.7, 18.0)
0.1
(-0.7, 1.0)
Unmarried Female-Headed Family
26.4
26.1
23.7
(22.3, 25.1)
-2.5*
(-4.4, -0.5)
Unmarried Male-Headed Family
26.8
25.7
23.5
(21.7, 25.5)
-2.1
(-5.2, 0.9)
Female Individual
20.4
19.2
19.8
(18.9, 20.8)
0.7
(-0.7, 2.1)
Male Individual
24.4
22.9
21.6
(20.4, 22.9)
-1.3
(-3.0, 0.5)
Other
NA
NA
NA
NA
NA
NA
U.S.-Born
20.8
19.6
19.0
(18.5, 19.6)
-0.5
(-1.3, 0.2)
Foreign-Born Citizen
18.8
21.9
21.7
(20.1, 23.3)
-0.2
(-2.6, 2.2)
Foreign-Born Noncitizen
27.4
21.6
23.8
(21.6, 26.0)
2.2
(-0.6, 5.0)
Metropolitan Area - Principal City
23.2
21.9
20.0
(19.2, 20.9)
-1.9*
(-3.2, -0.5)
Metropolitan Area - Balance
20.6
19.2
19.5
(18.7, 20.2)
0.3
(-0.7, 1.3)
Not in Metropolitan Area
18.9
18.3
19.5
(18.3, 20.7)
1.2
(-0.6, 3.0)
Not Identified
20.2
19.3
18.8
(17.4, 20.3)
-0.5
(-2.2, 1.1)
Northeast
25.5
24.4
23.1
(21.9, 24.3)
-1.3
(-3.0, 0.4)
Midwest
19.1
16.5
17.6
(16.6, 18.6)
1.1
(-0.3, 2.4)
South
20.1
19.7
19.6
(18.8, 20.5)
-0.1
(-1.2, 1.0)
West
20.8
19.7
18.5
(17.6, 19.4)
-1.2
(-2.7, 0.2)
Characteristics
Employment Status
Homeownership
Household Type
Citizenship and Place of Birth
Metropolitan Status
Geographic Region
Asterisk indicates differences that are statistically significant at the 10 percent level. NA indicates that the sample size is too small to
produce a precise estimate.
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 25
B.4 Telephone Banking as Primary Method of Bank Account Access by Household Characteristics,
2015–2019
For Banked Households That Accessed Their Account in the Past 12 Months
2015
(Percent)
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
3.0
2.9
2.4
(2.2, 2.6)
-0.6*
(-0.8, -0.3)
Less Than $15,000
4.6
4.1
5.8
(5.0, 6.7)
1.7*
(0.7, 2.8)
$15,000 to $30,000
3.5
4.3
4.7
(4.2, 5.3)
0.5
(-0.4, 1.4)
$30,000 to $50,000
3.7
3.4
2.8
(2.4, 3.3)
-0.6*
(-1.2, 0.0)
$50,000 to $75,000
2.5
3.0
2.1
(1.7, 2.5)
-1.0*
(-1.5, -0.4)
At Least $75,000
2.0
1.8
0.9
(0.7, 1.1)
-0.9*
(-1.2, -0.6)
No High School Diploma
4.2
4.2
5.1
(4.2, 6.1)
0.9
(-0.4, 2.1)
High School Diploma
3.6
3.6
3.5
(3.1, 3.9)
-0.2
(-0.8, 0.4)
Some College
3.4
3.3
2.5
(2.2, 2.9)
-0.8*
(-1.2, -0.3)
College Degree
1.8
2.0
1.2
(1.0, 1.4)
-0.8*
(-1.1, -0.4)
15 to 24 Years
2.1
2.2
2.2
(1.5, 3.4)
0.0
(-1.2, 1.2)
25 to 34 Years
2.1
1.9
0.6
(0.4, 0.9)
-1.3*
(-1.8, -0.8)
35 to 44 Years
2.7
2.8
1.1
(0.9, 1.5)
-1.7*
(-2.2, -1.2)
45 to 54 Years
2.9
2.6
1.6
(1.3, 2.0)
-0.9*
(-1.4, -0.4)
55 to 64 Years
3.4
3.5
2.9
(2.5, 3.4)
-0.7*
(-1.3, 0.0)
65 Years or More
3.6
3.6
4.5
(4.0, 5.0)
0.9*
(0.3, 1.5)
Black
4.4
4.5
3.1
(2.5, 3.7)
-1.4*
(-2.4, -0.4)
Hispanic
3.1
3.1
2.1
(1.7, 2.7)
-0.9*
(-1.6, -0.2)
Asian
1.6
2.2
1.3
(0.9, 2.0)
-0.9*
(-1.8, 0.0)
American Indian or Alaska Native
4.8
1.9
3.3
(1.6, 6.8)
1.4
(-1.2, 4.1)
Native Hawaiian or Other Pacific
Islander
NA
NA
NA
NA
NA
NA
White
2.8
2.7
2.4
(2.2, 2.6)
-0.3*
(-0.7, 0.0)
Two or More Races
3.5
3.2
2.9
(1.5, 5.4)
-0.3
(-2.9, 2.2)
Disabled, Aged 25 to 64
5.4
5.2
5.2
(4.3, 6.2)
0.0
(-1.3, 1.2)
Not Disabled, Aged 25 to 64
2.5
2.4
1.2
(1.1, 1.4)
-1.2*
(-1.5, -1.0)
Not Applicable (Not Aged 25 to 64)
3.3
3.4
4.1
(3.7, 4.6)
0.8*
(0.2, 1.3)
Income Was About the Same Each
Month
3.1
2.9
2.6
(2.4, 2.8)
-0.3*
(-0.6, 0.0)
Income Varied Somewhat From
Month to Month
2.8
3.1
1.6
(1.3, 1.9)
-1.5*
(-2.0, -1.1)
Income Varied a Lot From Month to
Month
2.5
2.7
1.5
(0.9, 2.4)
-1.2*
(-2.4, -0.1)
Characteristics
All
Family Income
Education
Age Group
Race/Ethnicity
Disability Status
Monthly Income Volatility
26 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
B.4 Telephone Banking as Primary Method of Bank Account Access by Household Characteristics,
2015–2019 (continued)
For Banked Households That Accessed Their Account in the Past 12 Months
2015
(Percent)
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
Employed
2.4
2.3
1.2
(1.1, 1.4)
-1.2*
(-1.4, -0.9)
Unemployed
1.9
3.6
3.1
(1.8, 5.1)
-0.6
(-2.6, 1.5)
Not in Labor Force
4.0
4.0
4.6
(4.2, 5.0)
0.6*
(0.0, 1.2)
Homeowner
2.9
2.8
2.2
(2.0, 2.4)
-0.7*
(-1.0, -0.3)
Non-Homeowner
3.1
3.1
2.8
(2.4, 3.1)
-0.4
(-0.9, 0.2)
Married Couple
2.5
2.4
1.7
(1.5, 1.9)
-0.7*
(-1.0, -0.4)
Unmarried Female-Headed Family
4.2
3.6
2.8
(2.4, 3.4)
-0.7
(-1.5, 0.0)
Unmarried Male-Headed Family
2.9
3.2
1.4
(1.0, 2.1)
-1.7*
(-2.7, -0.8)
Female Individual
3.9
4.5
4.3
(3.7, 4.8)
-0.2
(-1.0, 0.6)
Male Individual
2.5
2.5
2.3
(2.0, 2.7)
-0.2
(-0.7, 0.4)
Other
NA
NA
NA
NA
NA
NA
U.S.-Born
3.1
2.9
2.5
(2.3, 2.7)
-0.5*
(-0.8, -0.2)
Foreign-Born Citizen
2.4
2.9
2.0
(1.5, 2.7)
-0.9
(-1.8, 0.0)
Foreign-Born Noncitizen
2.3
2.8
1.7
(1.1, 2.4)
-1.2*
(-2.1, -0.2)
Metropolitan Area - Principal City
2.7
2.9
2.2
(1.9, 2.5)
-0.8*
(-1.3, -0.3)
Metropolitan Area - Balance
2.9
2.7
2.1
(1.9, 2.3)
-0.6*
(-1.0, -0.2)
Not in Metropolitan Area
3.5
3.9
3.8
(3.3, 4.4)
-0.1
(-0.8, 0.7)
Not Identified
3.2
2.8
2.4
(2.0, 2.9)
-0.3
(-1.0, 0.3)
Northeast
2.4
2.9
2.0
(1.6, 2.4)
-0.9*
(-1.5, -0.4)
Midwest
3.1
2.8
2.8
(2.4, 3.3)
0.0
(-0.6, 0.6)
South
3.4
3.3
2.6
(2.4, 3.0)
-0.6*
(-1.1, -0.2)
West
2.6
2.6
1.8
(1.6, 2.1)
-0.7*
(-1.1, -0.3)
Characteristics
Employment Status
Homeownership
Household Type
Citizenship and Place of Birth
Metropolitan Status
Geographic Region
Asterisk indicates differences that are statistically significant at the 10 percent level. NA indicates that the sample size is too small to
produce a precise estimate.
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 27
B.5 Online Banking as Primary Method of Bank Account Access by Household Characteristics,
2015–2019
For Banked Households That Accessed Their Account in the Past 12 Months
2015
(Percent)
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
36.9
36.0
22.8
(22.4, 23.3)
-13.1*
(-13.9, -12.4)
Less Than $15,000
18.0
17.2
9.9
(8.8, 11.1)
-7.3*
(-8.9, -5.7)
$15,000 to $30,000
20.8
19.4
12.7
(11.7, 13.7)
-6.8*
(-8.1, -5.5)
$30,000 to $50,000
29.1
27.7
17.1
(16.3, 18.0)
-10.5*
(-11.9, -9.1)
$50,000 to $75,000
39.7
38.0
21.2
(20.2, 22.2)
-16.8*
(-18.5, -15.2)
At Least $75,000
53.6
50.6
32.1
(31.3, 33.0)
-18.5*
(-19.8, -17.2)
No High School Diploma
11.8
10.8
5.8
(4.9, 6.8)
-5.1*
(-6.7, -3.5)
High School Diploma
24.5
24.7
14.6
(13.9, 15.3)
-10.1*
(-11.4, -8.8)
Some College
36.8
35.0
20.6
(19.7, 21.4)
-14.4*
(-15.7, -13.2)
College Degree
51.5
49.1
32.1
(31.3, 33.0)
-17.0*
(-18.3, -15.7)
15 to 24 Years
31.4
26.2
7.2
(6.1, 8.6)
-18.9*
(-21.5, -16.4)
25 to 34 Years
42.6
35.7
14.4
(13.4, 15.4)
-21.4*
(-23.0, -19.7)
35 to 44 Years
45.8
42.4
20.1
(19.0, 21.2)
-22.3*
(-24.1, -20.6)
45 to 54 Years
42.0
42.6
26.6
(25.4, 27.8)
-16.0*
(-17.8, -14.2)
55 to 64 Years
37.3
39.0
29.3
(28.1, 30.5)
-9.7*
(-11.4, -8.0)
65 Years or More
23.8
26.9
25.7
(24.8, 26.6)
-1.2*
(-2.3, 0.0)
Black
24.6
24.0
12.0
(10.8, 13.2)
-12.0*
(-14.2, -9.9)
Hispanic
27.2
25.7
11.1
(10.1, 12.1)
-14.6*
(-16.3, -12.8)
Asian
44.3
46.3
25.7
(23.7, 27.9)
-20.6*
(-24.1, -17.0)
American Indian or Alaska Native
31.8
24.5
17.0
(11.8, 23.9)
-7.5
(-15.1, 0.2)
Native Hawaiian or Other Pacific
Islander
NA
NA
NA
NA
NA
NA
White
40.0
39.2
26.7
(26.1, 27.3)
-12.5*
(-13.3, -11.6)
Two or More Races
37.0
33.5
24.1
(20.3, 28.5)
-9.4*
(-15.8, -2.9)
Disabled, Aged 25 to 64
25.9
26.5
17.2
(15.8, 18.6)
-9.4*
(-11.5, -7.2)
Not Disabled, Aged 25 to 64
43.8
41.6
23.5
(22.8, 24.1)
-18.1*
(-19.1, -17.1)
Not Applicable (Not Aged 25 to 64)
25.0
26.8
22.9
(22.1, 23.6)
-3.9*
(-4.9, -2.9)
Income Was About the Same Each
Month
37.3
36.6
23.4
(22.9, 23.9)
-13.2*
(-14.0, -12.4)
Income Varied Somewhat From
Month to Month
37.4
35.2
20.6
(19.6, 21.7)
-14.6*
(-16.2, -13.0)
Income Varied a Lot From Month to
Month
33.7
35.8
21.9
(19.7, 24.2)
-14.0*
(-17.6, -10.4)
Characteristics
All
Family Income
Education
Age Group
Race/Ethnicity
Disability Status
Monthly Income Volatility
28 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
B.5 Online Banking as Primary Method of Bank Account Access by Household Characteristics,
2015–2019 (continued)
For Banked Households That Accessed Their Account in the Past 12 Months
2015
(Percent)
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
Employed
43.3
41.1
23.0
(22.4, 23.6)
-18.1*
(-19.1, -17.1)
Unemployed
35.3
30.2
19.6
(16.6, 22.9)
-10.6*
(-15.2, -6.0)
Not in Labor Force
25.2
26.9
22.7
(22.0, 23.4)
-4.2*
(-5.2, -3.2)
Homeowner
39.8
39.7
27.5
(26.9, 28.1)
-12.2*
(-13.1, -11.3)
Non-Homeowner
31.0
28.5
13.3
(12.6, 14.0)
-15.3*
(-16.4, -14.1)
Married Couple
43.4
42.6
28.4
(27.7, 29.1)
-14.2*
(-15.3, -13.1)
Unmarried Female-Headed Family
30.0
28.1
13.1
(12.0, 14.3)
-15.0*
(-16.9, -13.2)
Unmarried Male-Headed Family
28.1
27.3
15.7
(14.0, 17.6)
-11.6*
(-14.4, -8.8)
Female Individual
30.4
30.4
18.7
(17.7, 19.6)
-11.8*
(-13.2, -10.4)
Male Individual
31.9
30.0
19.9
(18.9, 21.0)
-10.1*
(-11.7, -8.6)
Other
NA
NA
NA
NA
NA
NA
U.S.-Born
37.3
36.4
23.6
(23.1, 24.1)
-12.8*
(-13.6, -12.0)
Foreign-Born Citizen
36.1
35.3
20.7
(19.1, 22.4)
-14.6*
(-17.2, -12.0)
Foreign-Born Noncitizen
30.8
30.5
14.5
(12.9, 16.3)
-15.9*
(-18.9, -13.0)
Metropolitan Area - Principal City
36.9
35.9
21.3
(20.4, 22.2)
-14.6*
(-16.0, -13.2)
Metropolitan Area - Balance
40.8
39.4
25.3
(24.6, 26.1)
-14.1*
(-15.3, -13.0)
Not in Metropolitan Area
27.4
27.4
18.5
(17.4, 19.7)
-8.8*
(-10.4, -7.3)
Not Identified
34.0
33.5
22.0
(20.7, 23.4)
-11.5*
(-13.2, -9.7)
Northeast
35.3
33.0
24.0
(23.0, 24.9)
-9.0*
(-10.6, -7.4)
Midwest
35.8
36.4
23.3
(22.1, 24.5)
-13.2*
(-14.7, -11.7)
South
35.5
35.4
20.4
(19.7, 21.2)
-15.0*
(-16.1, -13.8)
West
41.3
38.9
25.6
(24.6, 26.6)
-13.3*
(-14.8, -11.8)
Characteristics
Employment Status
Homeownership
Household Type
Citizenship and Place of Birth
Metropolitan Status
Geographic Region
Asterisk indicates differences that are statistically significant at the 10 percent level. NA indicates that the sample size is too small to
produce a precise estimate.
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 29
B.6 Mobile Banking as Primary Method of Bank Account Access by Household Characteristics,
2015–2019
For Banked Households That Accessed Their Account in the Past 12 Months
2015
(Percent)
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
9.5
15.6
34.0
(33.4, 34.5)
18.4*
(17.7, 19.0)
Less Than $15,000
7.1
11.2
23.5
(21.9, 25.2)
12.3*
(10.3, 14.3)
$15,000 to $30,000
8.1
11.7
25.9
(24.4, 27.4)
14.2*
(12.4, 16.0)
$30,000 to $50,000
9.7
16.0
33.2
(32.0, 34.4)
17.2*
(15.7, 18.8)
$50,000 to $75,000
11.3
15.8
35.9
(34.6, 37.1)
20.1*
(18.6, 21.6)
At Least $75,000
9.7
17.9
38.1
(37.3, 39.0)
20.2*
(19.1, 21.4)
No High School Diploma
4.0
8.2
19.2
(17.4, 21.1)
11.0*
(8.7, 13.2)
High School Diploma
7.5
11.6
27.3
(26.2, 28.3)
15.7*
(14.4, 16.9)
Some College
11.6
17.5
36.5
(35.4, 37.5)
19.0*
(17.7, 20.3)
College Degree
10.4
18.2
38.6
(37.8, 39.4)
20.3*
(19.2, 21.4)
15 to 24 Years
25.0
36.1
62.9
(60.0, 65.6)
26.8*
(23.1, 30.5)
25 to 34 Years
21.9
35.0
61.7
(60.2, 63.2)
26.7*
(24.6, 28.8)
35 to 44 Years
14.3
22.6
49.8
(48.4, 51.3)
27.2*
(25.4, 29.0)
45 to 54 Years
7.6
13.2
36.3
(35.0, 37.7)
23.1*
(21.6, 24.6)
55 to 64 Years
3.4
7.0
21.3
(20.2, 22.5)
14.3*
(13.0, 15.6)
65 Years or More
1.2
2.7
8.3
(7.8, 9.0)
5.7*
(5.0, 6.3)
Black
10.6
17.2
37.2
(35.3, 39.1)
20.0*
(17.7, 22.3)
Hispanic
12.6
19.2
41.3
(39.8, 42.9)
22.1*
(20.1, 24.1)
Asian
8.4
15.4
39.3
(37.3, 41.4)
24.0*
(21.1, 26.8)
American Indian or Alaska Native
10.2
15.1
30.5
(24.9, 36.7)
15.4*
(7.7, 23.0)
Native Hawaiian or Other Pacific
Islander
NA
NA
NA
NA
NA
NA
White
8.6
14.5
31.4
(30.8, 32.0)
16.9*
(16.2, 17.6)
Two or More Races
20.1
26.6
45.5
(40.2, 50.9)
18.9*
(12.0, 25.9)
Disabled, Aged 25 to 64
6.6
10.0
29.8
(27.9, 31.6)
19.7*
(17.6, 21.8)
Not Disabled, Aged 25 to 64
11.9
19.8
42.9
(42.2, 43.6)
23.1*
(22.2, 24.0)
Not Applicable (Not Aged 25 to 64)
5.2
8.2
16.7
(15.9, 17.5)
8.4*
(7.5, 9.3)
Income Was About the Same Each
Month
8.7
14.9
32.0
(31.4, 32.6)
17.1*
(16.4, 17.9)
Income Varied Somewhat From
Month to Month
13.0
19.6
40.8
(39.6, 42.0)
21.2*
(19.6, 22.7)
Income Varied a Lot From Month to
Month
13.0
19.3
40.6
(37.9, 43.3)
21.3*
(17.7, 24.9)
Characteristics
All
Family Income
Education
Age Group
Race/Ethnicity
Disability Status
Monthly Income Volatility
30 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
B.6 Mobile Banking as Primary Method of Bank Account Access by Household Characteristics,
2015–2019 (continued)
For Banked Households That Accessed Their Account in the Past 12 Months
2015
(Percent)
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
Employed
12.5
20.4
43.3
(42.6, 44.0)
22.9*
(22.0, 23.7)
Unemployed
11.4
21.2
37.4
(33.7, 41.4)
16.2*
(11.5, 20.9)
Not in Labor Force
3.7
6.3
15.9
(15.2, 16.6)
9.6*
(8.7, 10.5)
Homeowner
7.2
12.3
29.1
(28.5, 29.7)
16.7*
(16.0, 17.5)
Non-Homeowner
14.0
22.1
43.9
(42.9, 45.0)
21.9*
(20.5, 23.2)
Married Couple
8.5
14.8
32.7
(32.0, 33.4)
17.9*
(17.1, 18.8)
Unmarried Female-Headed Family
12.4
19.4
41.9
(40.1, 43.6)
22.5*
(20.3, 24.6)
Unmarried Male-Headed Family
12.6
17.9
38.4
(35.8, 41.0)
20.5*
(17.0, 24.0)
Female Individual
7.6
12.9
30.1
(29.0, 31.3)
17.2*
(15.8, 18.7)
Male Individual
11.1
17.5
35.3
(34.0, 36.6)
17.7*
(16.1, 19.4)
Other
NA
NA
NA
NA
NA
NA
U.S.-Born
9.7
15.7
33.8
(33.2, 34.3)
18.0*
(17.4, 18.7)
Foreign-Born Citizen
6.9
12.4
31.5
(29.7, 33.3)
19.1*
(16.8, 21.5)
Foreign-Born Noncitizen
9.9
17.9
40.8
(38.3, 43.4)
23.0*
(19.9, 26.0)
Metropolitan Area - Principal City
11.1
18.1
39.3
(38.3, 40.3)
21.1*
(19.8, 22.4)
Metropolitan Area - Balance
9.5
15.6
34.2
(33.3, 35.1)
18.6*
(17.5, 19.7)
Not in Metropolitan Area
6.7
11.2
24.3
(22.8, 25.8)
13.1*
(11.4, 14.7)
Not Identified
8.9
14.5
31.3
(29.7, 33.0)
16.8*
(15.0, 18.7)
Northeast
7.4
12.3
28.7
(27.5, 29.9)
16.4*
(14.9, 17.9)
Midwest
9.1
15.3
33.2
(32.1, 34.4)
18.0*
(16.4, 19.5)
South
10.0
15.9
35.8
(34.9, 36.8)
19.9*
(18.8, 21.1)
West
10.7
18.0
35.6
(34.5, 36.7)
17.6*
(16.2, 19.0)
Characteristics
Employment Status
Homeownership
Household Type
Citizenship and Place of Birth
Metropolitan Status
Geographic Region
Asterisk indicates differences that are statistically significant at the 10 percent level. NA indicates that the sample size is too small to
produce a precise estimate.
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 31
B.7 Did Not Visit a Bank Branch, Among Banked Households, by Household Characteristics,
2017–2019
For Banked Households
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
14.0
17.0
(16.6, 17.4)
3.0*
(2.5, 3.6)
Less Than $15,000
20.0
24.7
(23.1, 26.4)
4.7*
(2.6, 6.9)
$15,000 to $30,000
14.5
18.6
(17.5, 19.8)
4.1*
(2.7, 5.5)
$30,000 to $50,000
13.3
17.2
(16.3, 18.2)
3.9*
(2.8, 5.0)
$50,000 to $75,000
12.8
15.6
(14.8, 16.4)
2.8*
(1.5, 4.1)
At Least $75,000
13.1
15.3
(14.7, 16.0)
2.2*
(1.4, 3.1)
No High School Diploma
17.8
20.7
(19.1, 22.4)
2.9*
(0.8, 5.1)
High School Diploma
13.6
18.4
(17.5, 19.3)
4.8*
(3.7, 5.9)
Some College
13.2
15.9
(15.2, 16.7)
2.7*
(1.7, 3.7)
College Degree
14.0
16.3
(15.7, 16.9)
2.3*
(1.4, 3.1)
15 to 24 Years
16.9
18.5
(16.5, 20.7)
1.7
(-1.2, 4.6)
25 to 34 Years
19.0
21.6
(20.5, 22.8)
2.6*
(0.9, 4.2)
35 to 44 Years
16.7
20.1
(19.1, 21.2)
3.4*
(2.2, 4.6)
45 to 54 Years
12.8
16.5
(15.5, 17.5)
3.7*
(2.5, 4.9)
55 to 64 Years
11.8
13.5
(12.7, 14.4)
1.7*
(0.5, 2.8)
65 Years or More
10.9
14.7
(14.0, 15.5)
3.9*
(3.0, 4.8)
Black
17.8
21.4
(20.0, 22.9)
3.7*
(1.8, 5.6)
Hispanic
17.5
21.4
(20.0, 22.9)
4.0*
(2.0, 5.9)
Asian
19.5
22.9
(21.0, 25.0)
3.4*
(0.6, 6.2)
American Indian or Alaska Native
12.6
19.4
(14.6, 25.3)
6.7
(-0.2, 13.7)
Native Hawaiian or Other Pacific Islander
11.9
NA
NA
NA
NA
White
12.2
14.8
(14.3, 15.3)
2.6*
(1.9, 3.2)
Two or More Races
17.0
21.2
(17.3, 25.8)
4.2
(-1.4, 9.8)
Disabled, Aged 25 to 64
15.6
18.5
(17.1, 20.0)
2.9*
(1.1, 4.8)
Not Disabled, Aged 25 to 64
14.8
17.7
(17.2, 18.2)
2.9*
(2.2, 3.5)
Not Applicable (Not Aged 25 to 64)
11.8
15.3
(14.6, 16.0)
3.5*
(2.6, 4.3)
Income Was About the Same Each Month
14.7
17.7
(17.3, 18.2)
3.0*
(2.4, 3.6)
Income Varied Somewhat From Month to Month
10.9
14.8
(13.9, 15.7)
3.9*
(2.7, 5.1)
Income Varied a Lot From Month to Month
9.3
12.7
(10.9, 14.8)
3.4*
(0.7, 6.0)
Characteristics
All
Family Income
Education
Age Group
Race/Ethnicity
Disability Status
Monthly Income Volatility
32 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
B.7 Did Not Visit a Bank Branch, Among Banked Households, by Household Characteristics,
2017–2019 (continued)
For Banked Households
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
Employed
14.2
17.1
(16.6, 17.6)
3.0*
(2.3, 3.7)
Unemployed
12.8
17.5
(14.6, 20.8)
4.7*
(0.6, 8.9)
Not in Labor Force
13.7
16.7
(16.0, 17.4)
3.1*
(2.1, 4.0)
Homeowner
11.5
14.6
(14.2, 15.1)
3.1*
(2.5, 3.7)
Non-Homeowner
18.9
21.8
(21.1, 22.5)
2.9*
(1.9, 4.0)
Married Couple
12.1
14.7
(14.1, 15.3)
2.6*
(1.9, 3.4)
Unmarried Female-Headed Family
15.9
17.8
(16.7, 19.0)
1.8*
(0.1, 3.6)
Unmarried Male-Headed Family
13.7
16.4
(14.6, 18.3)
2.7*
(0.1, 5.2)
Female Individual
16.7
20.1
(19.1, 21.2)
3.4*
(2.0, 4.8)
Male Individual
15.2
19.4
(18.4, 20.5)
4.2*
(2.8, 5.7)
Other
NA
NA
NA
NA
NA
U.S.-Born
13.3
16.2
(15.8, 16.7)
2.9*
(2.4, 3.5)
Foreign-Born Citizen
16.6
20.7
(19.2, 22.3)
4.1*
(1.9, 6.3)
Foreign-Born Noncitizen
19.6
22.5
(20.7, 24.5)
3.0*
(0.3, 5.7)
Metropolitan Area - Principal City
17.1
20.8
(20.0, 21.6)
3.6*
(2.5, 4.8)
Metropolitan Area - Balance
14.0
17.0
(16.4, 17.7)
3.0*
(2.2, 3.8)
Not in Metropolitan Area
9.5
12.3
(11.2, 13.5)
2.8*
(1.5, 4.2)
Not Identified
11.4
13.6
(12.6, 14.7)
2.2*
(0.9, 3.4)
Northeast
13.9
16.6
(15.6, 17.6)
2.6*
(1.3, 4.0)
Midwest
11.0
14.1
(13.3, 15.0)
3.1*
(2.0, 4.2)
South
15.1
18.5
(17.7, 19.2)
3.3*
(2.4, 4.2)
West
14.8
17.6
(16.8, 18.5)
2.8*
(1.6, 3.9)
Characteristics
Employment Status
Homeownership
Household Type
Citizenship and Place of Birth
Metropolitan Status
Geographic Region
Asterisk indicates differences that are statistically significant at the 10 percent level. NA indicates that the sample size is too small to
produce a precise estimate.
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 33
B.8 Visited a Bank Branch One to Four Times, Among Banked Households, by Household
Characteristics, 2017–2019
For Banked Households
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
30.8
36.3
(35.7, 36.8)
5.5*
(4.7, 6.2)
Less Than $15,000
28.9
32.3
(30.6, 34.0)
3.4*
(1.1, 5.8)
$15,000 to $30,000
29.1
34.8
(33.4, 36.2)
5.7*
(4.0, 7.3)
$30,000 to $50,000
30.3
35.9
(34.7, 37.0)
5.6*
(4.0, 7.1)
$50,000 to $75,000
30.7
35.8
(34.6, 37.0)
5.1*
(3.5, 6.6)
At Least $75,000
32.3
38.0
(37.1, 38.9)
5.7*
(4.5, 7.0)
No High School Diploma
27.1
32.7
(30.9, 34.6)
5.6*
(3.0, 8.2)
High School Diploma
29.3
33.4
(32.3, 34.5)
4.0*
(2.5, 5.6)
Some College
30.1
36.4
(35.4, 37.4)
6.3*
(5.0, 7.7)
College Degree
33.1
38.5
(37.7, 39.4)
5.4*
(4.4, 6.5)
15 to 24 Years
34.7
41.8
(39.0, 44.7)
7.1*
(3.4, 10.8)
25 to 34 Years
35.6
40.0
(38.6, 41.4)
4.4*
(2.7, 6.1)
35 to 44 Years
35.2
38.8
(37.5, 40.1)
3.6*
(1.8, 5.4)
45 to 54 Years
30.9
35.6
(34.4, 36.9)
4.7*
(2.8, 6.5)
55 to 64 Years
28.7
34.6
(33.5, 35.8)
5.9*
(4.2, 7.7)
65 Years or More
25.7
33.0
(32.0, 34.0)
7.3*
(6.0, 8.7)
Black
34.4
40.3
(38.4, 42.1)
5.8*
(3.2, 8.4)
Hispanic
35.9
37.9
(36.4, 39.4)
2.0
(-0.2, 4.2)
Asian
33.7
40.8
(38.3, 43.3)
7.1*
(3.8, 10.4)
American Indian or Alaska Native
27.5
30.8
(25.6, 36.4)
3.3
(-4.9, 11.6)
Native Hawaiian or Other Pacific Islander
34.8
NA
NA
NA
NA
White
29.0
35.0
(34.3, 35.6)
5.9*
(5.0, 6.9)
Two or More Races
32.5
35.4
(30.5, 40.7)
2.9
(-4.2, 10.0)
Disabled, Aged 25 to 64
30.2
32.5
(30.8, 34.3)
2.3
(-0.2, 4.8)
Not Disabled, Aged 25 to 64
32.7
37.7
(37.0, 38.4)
5.0*
(4.0, 6.0)
Not Applicable (Not Aged 25 to 64)
27.1
34.3
(33.4, 35.2)
7.1*
(5.8, 8.4)
Income Was About the Same Each Month
31.4
36.9
(36.4, 37.5)
5.5*
(4.6, 6.4)
Income Varied Somewhat From Month to Month
31.0
34.8
(33.5, 36.1)
3.8*
(2.1, 5.6)
Income Varied a Lot From Month to Month
25.7
29.4
(26.9, 32.0)
3.7*
(0.1, 7.3)
Characteristics
All
Family Income
Education
Age Group
Race/Ethnicity
Disability Status
Monthly Income Volatility
34 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
B.8 Visited a Bank Branch One to Four Times, Among Banked Households, by Household
Characteristics, 2017–2019 (continued)
For Banked Households
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
Employed
32.4
37.2
(36.5, 37.9)
4.8*
(3.8, 5.8)
Unemployed
29.3
38.7
(35.2, 42.3)
9.4*
(4.7, 14.1)
Not in Labor Force
28.0
34.3
(33.4, 35.3)
6.4*
(5.1, 7.6)
Homeowner
29.9
35.5
(34.8, 36.1)
5.6*
(4.6, 6.5)
Non-Homeowner
32.6
37.8
(36.9, 38.7)
5.3*
(3.9, 6.6)
Married Couple
30.2
35.5
(34.8, 36.3)
5.3*
(4.2, 6.4)
Unmarried Female-Headed Family
31.7
37.8
(36.2, 39.4)
6.1*
(4.0, 8.3)
Unmarried Male-Headed Family
29.2
35.3
(32.8, 37.8)
6.1*
(2.6, 9.5)
Female Individual
31.9
36.7
(35.5, 37.9)
4.8*
(3.0, 6.5)
Male Individual
31.0
37.1
(35.8, 38.4)
6.1*
(4.3, 7.9)
Other
NA
NA
NA
NA
NA
U.S.-Born
30.1
35.9
(35.3, 36.5)
5.8*
(5.0, 6.7)
Foreign-Born Citizen
34.4
36.3
(34.5, 38.2)
1.9
(-0.7, 4.5)
Foreign-Born Noncitizen
35.4
40.9
(38.6, 43.2)
5.5*
(2.0, 9.0)
Metropolitan Area - Principal City
33.5
38.2
(37.2, 39.3)
4.7*
(3.3, 6.1)
Metropolitan Area - Balance
32.8
38.2
(37.4, 38.9)
5.3*
(4.2, 6.5)
Not in Metropolitan Area
22.5
29.3
(27.5, 31.3)
6.8*
(4.3, 9.3)
Not Identified
26.8
32.6
(30.9, 34.4)
5.8*
(3.9, 7.8)
Northeast
29.5
33.0
(31.7, 34.3)
3.5*
(1.7, 5.4)
Midwest
27.8
32.9
(31.7, 34.1)
5.1*
(3.5, 6.7)
South
32.7
38.8
(37.8, 39.8)
6.1*
(4.7, 7.5)
West
31.5
37.7
(36.6, 38.7)
6.2*
(4.8, 7.6)
Characteristics
Employment Status
Homeownership
Household Type
Citizenship and Place of Birth
Metropolitan Status
Geographic Region
Asterisk indicates differences that are statistically significant at the 10 percent level. NA indicates that the sample size is too small to
produce a precise estimate.
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 35
B.9 Visited a Bank Branch Five to Nine Times, Among Banked Households, by Household
Characteristics, 2017–2019
For Banked Households
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
18.2
18.3
(17.9, 18.7)
0.2
(-0.4, 0.8)
Less Than $15,000
13.5
15.0
(13.8, 16.3)
1.5
(-0.2, 3.2)
$15,000 to $30,000
15.6
16.8
(15.8, 17.9)
1.2
(-0.2, 2.6)
$30,000 to $50,000
18.0
18.1
(17.2, 19.0)
0.0
(-1.3, 1.3)
$50,000 to $75,000
18.6
18.9
(17.9, 19.8)
0.2
(-1.1, 1.5)
At Least $75,000
20.2
19.5
(18.8, 20.1)
-0.8
(-1.7, 0.2)
No High School Diploma
13.2
15.6
(14.2, 17.2)
2.4*
(0.5, 4.4)
High School Diploma
15.9
16.3
(15.6, 17.1)
0.5
(-0.6, 1.5)
Some College
18.7
18.0
(17.3, 18.7)
-0.7
(-1.7, 0.4)
College Degree
20.3
20.3
(19.6, 20.9)
-0.1
(-1.0, 0.9)
15 to 24 Years
17.5
16.7
(14.6, 18.9)
-0.8
(-3.4, 1.8)
25 to 34 Years
18.0
17.3
(16.2, 18.4)
-0.7
(-2.2, 0.8)
35 to 44 Years
17.9
17.8
(16.9, 18.8)
-0.1
(-1.4, 1.2)
45 to 54 Years
19.1
19.0
(18.0, 20.2)
-0.1
(-1.6, 1.5)
55 to 64 Years
18.0
19.2
(18.3, 20.2)
1.2
(-0.2, 2.5)
65 Years or More
18.0
18.5
(17.7, 19.3)
0.5
(-0.5, 1.5)
Black
18.3
17.0
(15.6, 18.4)
-1.3
(-3.2, 0.5)
Hispanic
15.8
16.4
(15.3, 17.6)
0.6
(-1.0, 2.2)
Asian
17.7
16.2
(14.5, 18.1)
-1.4
(-4.1, 1.2)
American Indian or Alaska Native
11.8
15.5
(11.3, 20.8)
3.7
(-2.0, 9.4)
Native Hawaiian or Other Pacific Islander
15.9
NA
NA
NA
NA
White
18.7
19.1
(18.7, 19.6)
0.4
(-0.3, 1.1)
Two or More Races
15.4
17.1
(13.5, 21.5)
1.7
(-3.9, 7.3)
Disabled, Aged 25 to 64
16.1
18.0
(16.6, 19.6)
1.9
(-0.1, 3.9)
Not Disabled, Aged 25 to 64
18.5
18.4
(17.9, 18.9)
-0.1
(-0.9, 0.6)
Not Applicable (Not Aged 25 to 64)
17.9
18.2
(17.5, 19.0)
0.3
(-0.6, 1.2)
Income Was About the Same Each Month
18.4
18.0
(17.6, 18.5)
-0.3
(-1.0, 0.3)
Income Varied Somewhat From Month to Month
18.5
19.5
(18.5, 20.5)
1.0
(-0.5, 2.5)
Income Varied a Lot From Month to Month
17.0
18.8
(17.0, 20.8)
1.8
(-1.0, 4.6)
Characteristics
All
Family Income
Education
Age Group
Race/Ethnicity
Disability Status
Monthly Income Volatility
36 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
B.9 Visited a Bank Branch Five to Nine Times, Among Banked Households, by Household
Characteristics, 2017–2019 (continued)
For Banked Households
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
Employed
18.6
18.3
(17.8, 18.9)
-0.2
(-0.9, 0.5)
Unemployed
21.1
17.8
(15.0, 21.1)
-3.3
(-7.7, 1.1)
Not in Labor Force
17.3
18.3
(17.7, 19.0)
1.0*
(0.2, 1.9)
Homeowner
18.9
19.3
(18.8, 19.8)
0.4
(-0.3, 1.1)
Non-Homeowner
16.7
16.4
(15.7, 17.1)
-0.2
(-1.3, 0.8)
Married Couple
18.9
19.5
(18.9, 20.1)
0.6
(-0.3, 1.4)
Unmarried Female-Headed Family
18.8
17.4
(16.2, 18.7)
-1.4
(-3.2, 0.3)
Unmarried Male-Headed Family
18.1
16.6
(14.8, 18.5)
-1.5
(-4.3, 1.3)
Female Individual
16.8
17.8
(16.9, 18.8)
1.0
(-0.3, 2.4)
Male Individual
17.2
16.9
(15.9, 17.9)
-0.3
(-1.9, 1.3)
Other
NA
NA
NA
NA
NA
U.S.-Born
18.5
18.6
(18.2, 19.1)
0.1
(-0.5, 0.8)
Foreign-Born Citizen
17.9
17.0
(15.6, 18.5)
-0.9
(-3.0, 1.2)
Foreign-Born Noncitizen
14.1
16.3
(14.6, 18.1)
2.2
(-0.2, 4.5)
Metropolitan Area - Principal City
17.9
18.4
(17.6, 19.2)
0.4
(-0.8, 1.6)
Metropolitan Area - Balance
18.7
18.6
(18.0, 19.2)
-0.1
(-0.9, 0.7)
Not in Metropolitan Area
17.9
16.7
(15.6, 17.9)
-1.1
(-2.7, 0.4)
Not Identified
17.4
19.0
(17.9, 20.0)
1.6*
(0.1, 3.1)
Northeast
17.8
19.2
(18.3, 20.1)
1.4*
(0.1, 2.8)
Midwest
18.3
19.1
(18.2, 20.1)
0.8
(-0.6, 2.1)
South
18.1
17.9
(17.2, 18.7)
-0.1
(-1.2, 0.9)
West
18.5
17.6
(16.7, 18.5)
-0.9
(-2.1, 0.3)
Characteristics
Employment Status
Homeownership
Household Type
Citizenship and Place of Birth
Metropolitan Status
Geographic Region
Asterisk indicates differences that are statistically significant at the 10 percent level. NA indicates that the sample size is too small to
produce a precise estimate.
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 37
B.10 Visited a Bank Branch Ten or More Times, Among Banked Households, by Household
Characteristics, 2017–2019
For Banked Households
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
35.4
28.4
(27.9, 28.9)
-7.0*
(-7.8, -6.2)
Less Than $15,000
35.7
27.9
(26.4, 29.6)
-7.8*
(-10.0, -5.5)
$15,000 to $30,000
38.6
29.8
(28.5, 31.2)
-8.7*
(-10.7, -6.7)
$30,000 to $50,000
36.5
28.9
(27.8, 30.0)
-7.6*
(-9.1, -6.1)
$50,000 to $75,000
36.6
29.8
(28.6, 31.0)
-6.8*
(-8.5, -5.1)
At Least $75,000
32.9
27.2
(26.5, 27.9)
-5.7*
(-6.8, -4.7)
No High School Diploma
39.7
31.0
(29.1, 33.0)
-8.7*
(-11.4, -6.0)
High School Diploma
39.3
31.9
(30.9, 33.0)
-7.4*
(-8.9, -5.8)
Some College
36.5
29.7
(28.7, 30.6)
-6.9*
(-8.3, -5.5)
College Degree
31.2
24.9
(24.3, 25.7)
-6.2*
(-7.3, -5.2)
15 to 24 Years
30.1
23.0
(20.7, 25.4)
-7.1*
(-10.6, -3.6)
25 to 34 Years
26.1
21.1
(20.0, 22.3)
-5.0*
(-6.7, -3.2)
35 to 44 Years
28.1
23.3
(22.2, 24.4)
-4.8*
(-6.3, -3.3)
45 to 54 Years
35.7
28.9
(27.8, 30.0)
-6.8*
(-8.5, -5.1)
55 to 64 Years
40.0
32.6
(31.5, 33.8)
-7.4*
(-9.0, -5.7)
65 Years or More
43.5
33.8
(32.8, 34.8)
-9.7*
(-11.2, -8.2)
Black
27.7
21.3
(20.1, 22.7)
-6.4*
(-8.3, -4.5)
Hispanic
29.0
24.3
(22.9, 25.7)
-4.7*
(-6.7, -2.7)
Asian
26.8
20.1
(18.1, 22.3)
-6.7*
(-10.0, -3.4)
American Indian or Alaska Native
45.7
34.3
(28.3, 41.0)
-11.4*
(-20.1, -2.6)
Native Hawaiian or Other Pacific Islander
37.4
NA
NA
NA
NA
White
38.4
31.1
(30.5, 31.7)
-7.3*
(-8.2, -6.4)
Two or More Races
33.5
26.3
(22.4, 30.5)
-7.3*
(-13.7, -0.9)
Disabled, Aged 25 to 64
37.1
30.9
(29.1, 32.8)
-6.2*
(-8.7, -3.7)
Not Disabled, Aged 25 to 64
32.3
26.2
(25.5, 26.9)
-6.1*
(-7.1, -5.1)
Not Applicable (Not Aged 25 to 64)
41.3
32.2
(31.3, 33.1)
-9.1*
(-10.5, -7.7)
Income Was About the Same Each Month
34.7
27.3
(26.8, 27.9)
-7.4*
(-8.2, -6.5)
Income Varied Somewhat From Month to Month
38.8
30.9
(29.8, 32.0)
-8.0*
(-9.6, -6.3)
Income Varied a Lot From Month to Month
46.7
39.1
(36.4, 41.9)
-7.6*
(-11.4, -3.9)
Characteristics
All
Family Income
Education
Age Group
Race/Ethnicity
Disability Status
Monthly Income Volatility
38 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
B.10 Visited a Bank Branch Ten or More Times, Among Banked Households, by Household
Characteristics, 2017–2019 (continued)
For Banked Households
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
Employed
33.3
27.3
(26.6, 28.0)
-6.0*
(-7.0, -5.1)
Unemployed
34.9
26.0
(22.9, 29.3)
-8.9*
(-13.6, -4.3)
Not in Labor Force
39.3
30.6
(29.8, 31.5)
-8.7*
(-9.9, -7.4)
Homeowner
38.1
30.6
(30.0, 31.3)
-7.5*
(-8.4, -6.5)
Non-Homeowner
30.1
24.0
(23.2, 24.8)
-6.2*
(-7.4, -4.9)
Married Couple
37.2
30.3
(29.5, 31.0)
-6.9*
(-8.0, -5.8)
Unmarried Female-Headed Family
32.6
27.0
(25.6, 28.5)
-5.5*
(-7.7, -3.4)
Unmarried Male-Headed Family
37.3
31.8
(29.5, 34.3)
-5.5*
(-8.8, -2.2)
Female Individual
32.6
25.4
(24.3, 26.5)
-7.2*
(-8.8, -5.7)
Male Individual
34.9
26.6
(25.5, 27.8)
-8.3*
(-10.0, -6.6)
Other
NA
NA
NA
NA
NA
U.S.-Born
36.6
29.2
(28.7, 29.8)
-7.4*
(-8.2, -6.6)
Foreign-Born Citizen
28.1
26.0
(24.3, 27.7)
-2.1
(-4.9, 0.7)
Foreign-Born Noncitizen
28.7
20.3
(18.4, 22.3)
-8.4*
(-11.3, -5.5)
Metropolitan Area - Principal City
29.8
22.6
(21.7, 23.6)
-7.1*
(-8.6, -5.7)
Metropolitan Area - Balance
32.7
26.2
(25.5, 26.9)
-6.5*
(-7.6, -5.4)
Not in Metropolitan Area
49.0
41.6
(39.8, 43.5)
-7.3*
(-9.7, -4.9)
Not Identified
42.6
34.8
(33.1, 36.5)
-7.8*
(-10.0, -5.5)
Northeast
36.8
31.2
(30.0, 32.4)
-5.6*
(-7.5, -3.7)
Midwest
41.4
33.9
(32.8, 35.1)
-7.5*
(-9.2, -5.8)
South
32.4
24.8
(24.0, 25.6)
-7.6*
(-8.8, -6.3)
West
33.8
27.1
(26.1, 28.1)
-6.6*
(-8.2, -5.1)
Characteristics
Employment Status
Homeownership
Household Type
Citizenship and Place of Birth
Metropolitan Status
Geographic Region
Asterisk indicates differences that are statistically significant at the 10 percent level. NA indicates that the sample size is too small to
produce a precise estimate.
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 39
B.11 Number of Bank Branch Visits, Among Banked Households That Visited a Branch,
by Household Characteristics, 2019
For Banked Households That Visited a Bank Branch in the Past 12 Months, Row Percent
Number of
Households
(1000s)
Percent of
Households
1 to 4 Times
(Percent)
5 to 9 Times
(Percent)
10 or More
Times
(Percent)
103,087
100.0
43.7
22.1
34.2
Less Than $15,000
8,119
100.0
42.9
20.0
37.1
$15,000 to $30,000
13,739
100.0
42.7
20.6
36.6
$30,000 to $50,000
19,506
100.0
43.3
21.8
34.9
$50,000 to $75,000
19,793
100.0
42.4
22.3
35.3
At Least $75,000
41,930
100.0
44.9
23.0
32.1
No High School Diploma
7,104
100.0
41.2
19.7
39.1
High School Diploma
24,509
100.0
40.9
20.0
39.1
Some College
29,914
100.0
43.3
21.4
35.3
College Degree
41,559
100.0
46.0
24.2
29.8
15 to 24 Years
4,685
100.0
51.3
20.5
28.2
25 to 34 Years
15,633
100.0
51.0
22.0
26.9
35 to 44 Years
16,737
100.0
48.6
22.3
29.1
45 to 54 Years
17,694
100.0
42.6
22.8
34.6
55 to 64 Years
19,984
100.0
40.0
22.2
37.7
65 Years or More
28,354
100.0
38.7
21.7
39.6
Black
11,325
100.0
51.2
21.6
27.2
Hispanic
12,662
100.0
48.3
20.9
30.9
Asian
5,312
100.0
52.9
21.0
26.1
American Indian or Alaska Native
645
100.0
38.2
19.2
42.6
Native Hawaiian or Other Pacific Islander
NA
NA
NA
NA
NA
White
71,582
100.0
41.0
22.5
36.5
Two or More Races
1,325
100.0
44.9
21.7
33.3
Disabled, Aged 25 to 64
7,285
100.0
39.9
22.1
38.0
Not Disabled, Aged 25 to 64
62,763
100.0
45.8
22.4
31.8
Not Applicable (Not Aged 25 to 64)
33,039
100.0
40.5
21.5
38.0
Income Was About the Same Each Month
79,792
100.0
44.9
21.9
33.2
Income Varied Somewhat From Month to Month
19,123
100.0
40.9
22.9
36.2
Income Varied a Lot From Month to Month
4,172
100.0
33.7
21.6
44.8
Characteristics
All
Family Income
Education
Age Group
Race/Ethnicity
Disability Status
Monthly Income Volatility
40 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
B.11 Number of Bank Branch Visits, Among Banked Households That Visited a Branch,
by Household Characteristics, 2019 (continued)
For Banked Households That Visited a Bank Branch in the Past 12 Months, Row Percent
Number of
Households
(1000s)
Percent of
Households
1 to 4 Times
(Percent)
5 to 9 Times
(Percent)
10 or More
Times
(Percent)
Employed
65,138
100.0
44.9
22.1
32.9
Unemployed
2,068
100.0
46.9
21.6
31.5
Not in Labor Force
35,881
100.0
41.2
22.0
36.8
Homeowner
70,955
100.0
41.6
22.6
35.9
Non-Homeowner
32,132
100.0
48.4
21.0
30.6
Married Couple
50,888
100.0
41.7
22.8
35.5
Unmarried Female-Headed Family
11,129
100.0
46.0
21.1
32.9
Unmarried Male-Headed Family
5,100
100.0
42.2
19.8
38.0
Female Individual
18,800
100.0
45.9
22.3
31.8
Male Individual
17,059
100.0
46.0
20.9
33.1
NA
NA
NA
NA
NA
U.S.-Born
89,001
100.0
42.9
22.2
34.9
Foreign-Born Citizen
8,577
100.0
45.8
21.5
32.8
Foreign-Born Noncitizen
5,509
100.0
52.8
21.0
26.2
Metropolitan Area - Principal City
27,945
100.0
48.3
23.2
28.6
Metropolitan Area - Balance
45,697
100.0
46.0
22.4
31.6
Not in Metropolitan Area
14,070
100.0
33.4
19.1
47.5
Not Identified
15,375
100.0
37.8
22.0
40.3
Northeast
17,990
100.0
39.6
23.0
37.4
Midwest
23,092
100.0
38.3
22.2
39.5
South
38,484
100.0
47.6
22.0
30.4
West
23,521
100.0
45.7
21.4
32.9
Characteristics
Employment Status
Homeownership
Household Type
Other
Citizenship and Place of Birth
Metropolitan Status
Geographic Region
NA indicates that the sample size is too small to produce a precise estimate.
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 41
B.12 Number of Bank Branch Visits, Among Unbanked Households, by Previous Bank Account
Ownership and Household Characteristics, 2019
For Unbanked Households, Row Percent
10 or More
Times
(Percent)
Did Not Visit
Bank Branch
in Past 12
Months
(Percent)
2.4
5.5
83.6
12.3
3.5
7.7
76.4
100.0
4.2
1.0
2.3
92.5
3,267
100.0
9.3
0.7
3.0
87.0
$15,000 to $30,000
1,969
100.0
7.5
2.4
6.1
84.0
$30,000 to $50,000
1,129
100.0
7.0
4.9
8.6
79.6
$50,000 to $75,000
NA
NA
NA
NA
NA
NA
At Least $75,000
NA
NA
NA
NA
NA
NA
No High School Diploma
2,434
100.0
7.0
1.4
3.3
88.4
High School Diploma
2,636
100.0
7.8
3.2
5.3
83.7
Some College
1,585
100.0
10.8
2.0
8.3
78.9
College Degree
NA
NA
NA
NA
NA
NA
15 to 24 Years
555
100.0
12.4
4.2
0.1
83.3
25 to 34 Years
1,476
100.0
9.1
4.8
5.3
80.8
35 to 44 Years
1,401
100.0
10.4
1.3
6.0
82.3
45 to 54 Years
1,146
100.0
7.9
1.8
6.9
83.4
55 to 64 Years
1,337
100.0
7.6
1.6
6.7
84.1
65 Years or More
1,140
100.0
5.1
1.2
4.9
88.8
Black
2,314
100.0
7.8
2.2
4.6
85.4
Hispanic
2,236
100.0
9.3
1.9
4.5
84.3
Asian
NA
NA
NA
NA
NA
NA
American Indian or Alaska Native
NA
NA
NA
NA
NA
NA
Native Hawaiian or Other Pacific
Islander
NA
NA
NA
NA
NA
NA
2,131
100.0
9.3
2.7
7.1
80.8
NA
NA
NA
NA
NA
NA
Disabled, Aged 25 to 64
1,728
100.0
4.9
0.8
4.4
89.9
Not Disabled, Aged 25 to 64
3,632
100.0
10.7
3.2
7.0
79.1
Not Applicable (Not Aged 25 to 64)
1,696
100.0
7.5
2.2
3.3
87.0
Number of
Households
(1000s)
Percent of
Households
7,056
100.0
8.5
Previously Banked
3,472
100.0
Never Banked
3,420
Less Than $15,000
Characteristics
All
1 to 4 Times 5 to 9 Times
(Percent)
(Percent)
Previous Bank Account Ownership
Family Income
Education
Age Group
Race/Ethnicity
White
Two or More Races
Disability Status
42 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
B.12 Number of Bank Branch Visits, Among Unbanked Households, by Previous Bank Account
Ownership and Household Characteristics, 2019 (continued)
For Unbanked Households, Row Percent
10 or More
Times
(Percent)
Did Not Visit
Bank Branch
in Past 12
Months
(Percent)
2.1
5.4
84.5
8.8
2.7
4.0
84.5
100.0
12.3
3.9
10.1
73.7
2,937
100.0
10.2
4.0
7.9
78.0
NA
NA
NA
NA
NA
NA
3,739
100.0
7.0
0.9
4.0
88.1
Homeowner
1,578
100.0
7.0
2.0
6.1
84.9
Non-Homeowner
5,478
100.0
8.9
2.5
5.3
83.3
Married Couple
1,305
100.0
8.1
3.1
7.2
81.6
Unmarried Female-Headed Family
1,696
100.0
9.7
2.4
5.0
82.9
504
100.0
9.1
1.3
4.9
84.6
Female Individual
1,459
100.0
6.4
2.0
3.5
88.2
Male Individual
2,010
100.0
8.8
2.6
6.6
82.0
NA
NA
NA
NA
NA
NA
5,414
100.0
8.5
2.6
5.4
83.5
NA
NA
NA
NA
NA
NA
1,215
100.0
7.5
2.0
4.2
86.3
Metropolitan Area - Principal City
3,102
100.0
8.8
1.6
4.5
85.0
Metropolitan Area - Balance
2,100
100.0
7.9
3.5
6.7
81.9
Not in Metropolitan Area
1,069
100.0
10.5
2.3
5.5
81.8
785
100.0
6.2
2.5
6.0
85.4
Northeast
1,058
100.0
7.6
2.5
4.3
85.6
Midwest
1,408
100.0
10.6
1.5
6.8
81.1
South
3,135
100.0
7.4
2.5
5.8
84.3
West
1,455
100.0
9.5
3.1
4.2
83.2
Number of
Households
(1000s)
Percent of
Households
Income Was About the Same Each
Month
4,950
100.0
8.0
Income Varied Somewhat From
Month to Month
1,533
100.0
573
Characteristics
1 to 4 Times 5 to 9 Times
(Percent)
(Percent)
Monthly Income Volatility
Income Varied a Lot From Month to
Month
Employment Status
Employed
Unemployed
Not in Labor Force
Homeownership
Household Type
Unmarried Male-Headed Family
Other
Citizenship and Place of Birth
U.S.-Born
Foreign-Born Citizen
Foreign-Born Noncitizen
Metropolitan Status
Not Identified
Geographic Region
NA indicates that the sample size is too small to produce a precise estimate.
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 43
B.13 Mobile Phone Access by Bank Account Ownership and Household Characteristics,
2015–2019
For All Households
2015
(Percent)
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
90.3
92.2
95.0
(94.8, 95.3)
2.8*
(2.5, 3.2)
Unbanked
78.1
81.2
83.4
(81.5, 85.1)
2.2
(-0.6, 5.0)
Banked
91.1
92.9
95.7
(95.5, 95.9)
2.8*
(2.4, 3.1)
Less Than $15,000
79.0
80.5
85.9
(84.7, 87.0)
5.4*
(3.6, 7.2)
$15,000 to $30,000
84.0
86.1
90.5
(89.6, 91.3)
4.4*
(3.1, 5.8)
$30,000 to $50,000
90.6
91.9
95.1
(94.6, 95.6)
3.1*
(2.4, 3.9)
$50,000 to $75,000
93.2
95.1
96.7
(96.2, 97.1)
1.5*
(0.8, 2.2)
At Least $75,000
96.6
97.5
98.5
(98.3, 98.7)
1.0*
(0.6, 1.4)
No High School Diploma
77.0
80.3
86.9
(85.5, 88.1)
6.6*
(4.7, 8.4)
High School Diploma
87.2
89.5
92.3
(91.7, 92.8)
2.8*
(1.9, 3.6)
Some College
92.1
93.7
96.3
(95.9, 96.6)
2.6*
(2.0, 3.1)
College Degree
95.1
96.0
97.8
(97.5, 98.0)
1.8*
(1.4, 2.2)
15 to 24 Years
94.0
96.7
97.2
(96.4, 97.8)
0.5
(-0.7, 1.7)
25 to 34 Years
95.3
97.4
97.9
(97.4, 98.2)
0.5
(-0.2, 1.2)
35 to 44 Years
94.8
96.9
97.6
(97.1, 98.0)
0.8*
(0.1, 1.4)
45 to 54 Years
93.9
95.3
97.3
(96.9, 97.6)
2.0*
(1.4, 2.6)
55 to 64 Years
90.5
93.0
95.6
(95.1, 96.1)
2.6*
(1.8, 3.4)
65 Years or More
79.6
81.7
89.3
(88.7, 89.9)
7.6*
(6.6, 8.6)
Black
88.2
91.4
93.3
(92.3, 94.2)
1.9*
(0.6, 3.2)
Hispanic
89.1
92.2
94.9
(94.1, 95.5)
2.6*
(1.6, 3.7)
Asian
91.4
93.2
95.6
(94.6, 96.4)
2.4*
(0.8, 3.9)
American Indian or Alaska Native
90.1
89.9
91.2
(86.9, 94.1)
1.3
(-3.8, 6.4)
Native Hawaiian or Other Pacific
Islander
97.5
91.3
NA
NA
NA
NA
White
90.7
92.3
95.4
(95.1, 95.6)
3.1*
(2.6, 3.5)
Two or More Races
95.2
93.0
97.0
(95.2, 98.1)
4.0*
(1.4, 6.5)
Disabled, Aged 25 to 64
85.8
88.5
92.3
(91.2, 93.4)
3.9*
(2.2, 5.5)
Not Disabled, Aged 25 to 64
94.7
96.5
97.7
(97.5, 97.9)
1.2*
(0.8, 1.5)
Not Applicable (Not Aged 25 to 64)
82.2
84.3
90.5
(90.0, 91.0)
6.2*
(5.3, 7.0)
Characteristics
All
Bank Account Ownership
Family Income
Education
Age Group
Race/Ethnicity
Disability Status
44 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
B.13 Mobile Phone Access by Bank Account Ownership and Household Characteristics,
2015–2019 (continued)
For All Households
2015
(Percent)
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
Income Was About the Same Each
Month
89.3
91.2
94.7
(94.4, 94.9)
3.5*
(3.0, 3.9)
Income Varied Somewhat From
Month to Month
93.9
96.0
96.0
(95.4, 96.5)
0.0
(-0.7, 0.7)
Income Varied a Lot From Month to
Month
93.6
95.0
97.1
(96.0, 97.8)
2.1*
(0.7, 3.5)
Employed
95.1
96.8
97.9
(97.7, 98.1)
1.1*
(0.8, 1.4)
Unemployed
93.7
90.9
96.5
(95.0, 97.5)
5.6*
(3.3, 7.9)
Not in Labor Force
81.4
84.2
89.9
(89.4, 90.5)
5.8*
(4.9, 6.6)
Homeowner
91.1
92.9
95.5
(95.2, 95.7)
2.6*
(2.2, 3.1)
Non-Homeowner
88.9
91.0
94.2
(93.7, 94.6)
3.2*
(2.5, 3.9)
Married Couple
93.4
94.8
96.9
(96.6, 97.1)
2.1*
(1.6, 2.6)
Unmarried Female-Headed Family
91.6
93.8
96.4
(95.7, 97.0)
2.5*
(1.5, 3.6)
Unmarried Male-Headed Family
92.1
95.5
95.8
(94.6, 96.7)
0.3
(-1.1, 1.6)
Female Individual
82.8
85.7
91.1
(90.4, 91.8)
5.4*
(4.3, 6.5)
Male Individual
88.1
90.0
93.5
(92.9, 94.0)
3.5*
(2.6, 4.4)
Other
NA
NA
NA
NA
NA
NA
U.S.-Born
90.4
92.3
95.1
(94.8, 95.3)
2.8*
(2.4, 3.2)
Foreign-Born Citizen
89.3
91.0
94.0
(93.0, 94.9)
3.0*
(1.4, 4.6)
Foreign-Born Noncitizen
89.0
92.1
95.6
(94.7, 96.4)
3.5*
(2.1, 4.9)
Metropolitan Area - Principal City
90.8
92.6
95.1
(94.6, 95.6)
2.5*
(1.8, 3.3)
Metropolitan Area - Balance
91.3
93.5
96.2
(95.9, 96.5)
2.7*
(2.1, 3.2)
Not in Metropolitan Area
86.8
88.2
91.2
(90.4, 92.0)
3.0*
(1.7, 4.4)
Not Identified
89.5
91.4
94.8
(94.2, 95.4)
3.5*
(2.5, 4.5)
Northeast
88.9
91.1
94.9
(94.3, 95.5)
3.9*
(2.8, 4.8)
Midwest
90.4
92.5
95.1
(94.6, 95.6)
2.7*
(1.8, 3.5)
South
90.5
92.6
94.9
(94.5, 95.3)
2.2*
(1.6, 2.9)
West
90.8
92.0
95.3
(94.8, 95.7)
3.2*
(2.4, 4.0)
Characteristics
Monthly Income Volatility
Employment Status
Homeownership
Household Type
Citizenship and Place of Birth
Metropolitan Status
Geographic Region
The estimates of mobile phone access in 2017 and 2015 reported here differ from those published in earlier reports due to a difference
in how nonresponse is handled; see Appendix 1 (FDIC Technical Notes) for details. Asterisk indicates differences that are statistically
significant at the 10 percent level. NA indicates that the sample size is too small to produce a precise estimate.
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 45
B.14 Smartphone Access by Bank Account Ownership and Household Characteristics,
2015–2019
For All Households
2015
(Percent)
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
72.3
79.6
85.4
(85.0, 85.8)
5.8*
(5.2, 6.3)
Unbanked
49.0
57.5
63.7
(61.2, 66.2)
6.2*
(2.7, 9.7)
Banked
73.9
81.1
86.6
(86.3, 87.0)
5.6*
(5.0, 6.1)
Less Than $15,000
48.2
55.7
63.3
(61.6, 64.9)
7.6*
(5.3, 10.0)
$15,000 to $30,000
55.2
63.3
72.7
(71.3, 73.9)
9.3*
(7.2, 11.4)
$30,000 to $50,000
69.6
76.2
82.3
(81.4, 83.2)
6.2*
(4.8, 7.5)
$50,000 to $75,000
79.2
86.0
89.9
(89.1, 90.6)
3.9*
(2.8, 4.9)
At Least $75,000
89.6
93.6
95.8
(95.5, 96.1)
2.2*
(1.6, 2.8)
No High School Diploma
45.2
54.3
65.6
(63.8, 67.4)
11.3*
(8.9, 13.8)
High School Diploma
62.5
71.5
77.5
(76.6, 78.4)
6.0*
(4.8, 7.3)
Some College
75.6
82.7
87.8
(87.2, 88.4)
5.1*
(4.2, 6.0)
College Degree
85.3
89.5
93.2
(92.9, 93.6)
3.7*
(3.1, 4.3)
15 to 24 Years
88.5
92.5
94.7
(93.5, 95.8)
2.2*
(0.4, 4.0)
25 to 34 Years
89.3
94.4
95.0
(94.3, 95.6)
0.6
(-0.3, 1.5)
35 to 44 Years
87.4
91.6
94.6
(93.9, 95.2)
3.0*
(2.1, 4.0)
45 to 54 Years
81.2
88.4
92.9
(92.2, 93.5)
4.5*
(3.5, 5.5)
55 to 64 Years
68.6
78.8
86.0
(85.1, 86.9)
7.3*
(5.9, 8.6)
65 Years or More
41.7
53.1
66.4
(65.4, 67.3)
13.3*
(11.8, 14.8)
Black
68.9
77.8
81.5
(80.0, 82.9)
3.7*
(1.8, 5.6)
Hispanic
73.2
81.5
86.5
(85.3, 87.5)
5.0*
(3.4, 6.6)
Asian
81.6
87.4
90.5
(89.0, 91.8)
3.1*
(0.9, 5.2)
American Indian or Alaska Native
64.0
71.5
76.8
(70.9, 81.9)
5.3
(-1.6, 12.2)
Native Hawaiian or Other Pacific
Islander
89.4
83.8
NA
NA
NA
NA
White
71.9
79.0
85.4
(85.0, 85.8)
6.4*
(5.8, 7.0)
Two or More Races
85.0
85.7
91.9
(89.2, 94.0)
6.2*
(2.3, 10.0)
Disabled, Aged 25 to 64
58.7
67.8
79.0
(77.2, 80.7)
11.2*
(8.8, 13.6)
Not Disabled, Aged 25 to 64
84.5
90.8
93.7
(93.3, 94.0)
2.9*
(2.3, 3.4)
Not Applicable (Not Aged 25 to 64)
50.2
60.0
70.8
(69.9, 71.6)
10.7*
(9.5, 12.0)
Characteristics
All
Bank Account Ownership
Family Income
Education
Age Group
Race/Ethnicity
Disability Status
46 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
B.14 Smartphone Access by Bank Account Ownership and Household Characteristics,
2015–2019 (continued)
For All Households
2015
(Percent)
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
Income Was About the Same Each
Month
69.7
77.4
83.8
(83.4, 84.3)
6.4*
(5.7, 7.1)
Income Varied Somewhat From
Month to Month
82.1
88.4
91.0
(90.3, 91.7)
2.7*
(1.7, 3.6)
Income Varied a Lot From Month to
Month
78.1
85.0
89.4
(87.8, 90.8)
4.4*
(2.0, 6.8)
Employed
85.3
91.0
93.9
(93.6, 94.2)
2.9*
(2.4, 3.4)
Unemployed
75.6
82.3
89.5
(87.3, 91.4)
7.2*
(3.9, 10.6)
Not in Labor Force
49.4
59.3
70.2
(69.4, 71.0)
10.9*
(9.7, 12.1)
Homeowner
72.7
80.0
86.1
(85.7, 86.5)
6.2*
(5.5, 6.8)
Non-Homeowner
71.6
79.0
84.1
(83.2, 84.8)
5.0*
(3.9, 6.1)
Married Couple
79.1
85.4
90.4
(90.0, 90.9)
5.0*
(4.4, 5.7)
Unmarried Female-Headed Family
77.3
84.3
89.5
(88.5, 90.4)
5.2*
(3.8, 6.5)
Unmarried Male-Headed Family
79.1
85.9
89.3
(87.7, 90.7)
3.4*
(1.1, 5.7)
Female Individual
55.2
65.6
74.7
(73.6, 75.8)
9.1*
(7.6, 10.5)
Male Individual
66.2
73.6
80.1
(79.1, 81.1)
6.5*
(4.9, 8.0)
Other
NA
NA
NA
NA
NA
NA
U.S.-Born
72.2
79.3
85.3
(84.8, 85.7)
6.0*
(5.4, 6.6)
Foreign-Born Citizen
72.3
80.8
84.3
(82.9, 85.6)
3.5*
(1.5, 5.5)
Foreign-Born Noncitizen
73.8
82.7
88.5
(87.1, 89.8)
5.8*
(3.6, 8.0)
Metropolitan Area - Principal City
75.3
82.2
86.2
(85.5, 87.0)
4.0*
(2.9, 5.1)
Metropolitan Area - Balance
75.8
82.6
88.4
(87.9, 88.9)
5.8*
(5.0, 6.7)
Not in Metropolitan Area
60.2
67.7
75.6
(74.2, 77.0)
7.9*
(6.2, 9.7)
Not Identified
68.0
76.9
83.3
(82.0, 84.5)
6.3*
(4.6, 8.1)
Northeast
70.1
78.7
84.8
(83.8, 85.7)
6.0*
(4.7, 7.4)
Midwest
71.0
78.9
84.8
(84.0, 85.7)
5.9*
(4.7, 7.2)
South
72.0
79.4
84.8
(84.1, 85.6)
5.4*
(4.5, 6.3)
West
75.7
81.3
87.3
(86.6, 88.0)
6.0*
(4.9, 7.2)
Characteristics
Monthly Income Volatility
Employment Status
Homeownership
Household Type
Citizenship and Place of Birth
Metropolitan Status
Geographic Region
The estimates of smartphone access in 2017 and 2015 reported here differ from those published in earlier reports due to a difference
in how nonresponse is handled; see Appendix 1 (FDIC Technical Notes) for details. Asterisk indicates differences that are statistically
significant at the 10 percent level. NA indicates that the sample size is too small to produce a precise estimate.
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 47
B.15 Home Internet Access by Bank Account Ownership and Household Characteristics,
2015–2019
For All Households
2015
(Percent)
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
77.4
79.4
79.9
(79.4, 80.5)
0.5
(-0.2, 1.2)
Unbanked
31.5
32.9
33.8
(31.7, 36.1)
1.0
(-2.3, 4.2)
Banked
80.7
82.5
82.6
(82.1, 83.1)
0.1
(-0.5, 0.8)
Less Than $15,000
44.2
45.9
47.5
(46.0, 48.9)
1.6
(-0.5, 3.7)
$15,000 to $30,000
59.8
60.6
59.6
(58.1, 61.0)
-1.1
(-3.0, 0.8)
$30,000 to $50,000
76.6
77.2
76.8
(75.7, 77.9)
-0.4
(-1.9, 1.1)
$50,000 to $75,000
88.1
87.9
86.5
(85.9, 87.2)
-1.4*
(-2.5, -0.3)
At Least $75,000
95.7
96.0
95.2
(94.9, 95.6)
-0.7*
(-1.2, -0.2)
No High School Diploma
40.8
43.1
42.7
(40.8, 44.6)
-0.4
(-3.0, 2.2)
High School Diploma
66.6
68.4
67.5
(66.5, 68.6)
-0.9
(-2.3, 0.6)
Some College
81.9
82.9
83.2
(82.4, 84.0)
0.3
(-0.9, 1.5)
College Degree
93.2
93.9
94.1
(93.7, 94.5)
0.2
(-0.3, 0.8)
15 to 24 Years
78.9
83.0
81.9
(79.9, 83.8)
-1.0
(-3.8, 1.7)
25 to 34 Years
81.8
85.0
85.0
(83.9, 86.0)
0.0
(-1.5, 1.5)
35 to 44 Years
84.3
84.8
86.0
(85.0, 86.9)
1.2
(-0.2, 2.5)
45 to 54 Years
82.7
84.5
85.4
(84.4, 86.3)
0.8
(-0.5, 2.2)
55 to 64 Years
78.7
79.8
79.9
(78.9, 80.9)
0.1
(-1.2, 1.5)
65 Years or More
63.9
67.2
69.0
(68.2, 69.9)
1.8*
(0.6, 3.1)
Black
62.0
67.4
69.8
(68.0, 71.4)
2.3*
(0.0, 4.6)
Hispanic
67.7
70.3
69.7
(68.0, 71.3)
-0.6
(-2.8, 1.7)
Asian
86.4
88.9
88.5
(86.8, 90.1)
-0.4
(-2.7, 2.0)
American Indian or Alaska Native
65.0
62.3
60.2
(53.9, 66.3)
-2.0
(-9.7, 5.7)
Native Hawaiian or Other Pacific
Islander
77.1
83.2
NA
NA
NA
NA
White
81.6
83.0
83.7
(83.2, 84.2)
0.7*
(0.0, 1.3)
Two or More Races
81.9
78.7
79.6
(75.0, 83.6)
0.9
(-4.3, 6.0)
Disabled, Aged 25 to 64
59.6
61.2
62.2
(60.2, 64.1)
1.0
(-1.6, 3.6)
Not Disabled, Aged 25 to 64
85.0
86.6
86.9
(86.3, 87.4)
0.3
(-0.5, 1.1)
Not Applicable (Not Aged 25 to 64)
66.6
70.0
71.0
(70.2, 71.8)
1.1
(-0.1, 2.2)
Characteristics
All
Bank Account Ownership
Family Income
Education
Age Group
Race/Ethnicity
Disability Status
48 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
B.15 Home Internet Access by Bank Account Ownership and Household Characteristics,
2015–2019 (continued)
For All Households
2015
(Percent)
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
Income Was About the Same Each
Month
76.8
78.6
79.4
(78.9, 80.0)
0.8*
(0.0, 1.6)
Income Varied Somewhat From
Month to Month
80.8
83.2
82.3
(81.3, 83.3)
-0.9
(-2.3, 0.6)
Income Varied a Lot From Month to
Month
74.9
79.4
79.0
(76.6, 81.2)
-0.4
(-3.9, 3.0)
Employed
85.5
86.9
87.3
(86.8, 87.8)
0.4
(-0.3, 1.2)
Unemployed
71.5
73.4
75.1
(72.1, 77.8)
1.7
(-2.4, 5.8)
Not in Labor Force
64.0
66.8
67.5
(66.6, 68.3)
0.7
(-0.5, 1.9)
Homeowner
83.2
84.3
84.8
(84.3, 85.3)
0.5
(-0.2, 1.2)
Non-Homeowner
67.4
70.9
71.2
(70.2, 72.1)
0.3
(-1.0, 1.6)
Married Couple
87.9
89.0
88.6
(88.1, 89.2)
-0.4
(-1.1, 0.3)
Unmarried Female-Headed Family
71.6
74.1
76.8
(75.5, 78.2)
2.7*
(0.5, 5.0)
Unmarried Male-Headed Family
75.4
76.0
77.2
(74.8, 79.4)
1.2
(-2.1, 4.5)
Female Individual
64.2
67.6
69.4
(68.3, 70.5)
1.8*
(0.3, 3.4)
Male Individual
67.7
70.0
71.5
(70.2, 72.7)
1.5
(-0.2, 3.2)
Other
NA
NA
NA
NA
NA
NA
U.S.-Born
78.2
80.1
80.9
(80.3, 81.4)
0.8*
(0.1, 1.5)
Foreign-Born Citizen
77.9
80.8
78.2
(76.4, 79.9)
-2.6*
(-4.8, -0.4)
Foreign-Born Noncitizen
67.2
69.5
69.8
(67.7, 71.9)
0.3
(-2.4, 3.0)
Metropolitan Area - Principal City
76.0
79.5
79.5
(78.6, 80.4)
0.1
(-1.3, 1.4)
Metropolitan Area - Balance
82.4
83.7
84.5
(83.8, 85.1)
0.8
(-0.2, 1.8)
Not in Metropolitan Area
67.3
69.1
68.0
(66.2, 69.7)
-1.1
(-3.2, 1.0)
Not Identified
75.6
76.6
77.9
(76.6, 79.1)
1.3
(-0.4, 3.0)
Northeast
80.0
82.0
82.6
(81.4, 83.8)
0.7
(-0.9, 2.2)
Midwest
77.7
79.6
79.9
(78.9, 80.9)
0.3
(-1.1, 1.7)
South
73.7
76.5
77.0
(76.0, 78.0)
0.6
(-0.6, 1.8)
West
81.4
82.2
82.9
(81.9, 83.8)
0.6
(-0.8, 2.0)
Characteristics
Monthly Income Volatility
Employment Status
Homeownership
Household Type
Citizenship and Place of Birth
Metropolitan Status
Geographic Region
The estimates of home internet access in 2017 and 2015 reported here differ from those published in earlier reports due to a difference
in how nonresponse is handled; see Appendix 1 (FDIC Technical Notes) for details. Asterisk indicates differences that are statistically
significant at the 10 percent level. NA indicates that the sample size is too small to produce a precise estimate.
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 49
B.16 Satisfaction With Primary Bank, Among Banked Households, by Household
Characteristics, 2019
For Banked Households, Row Percent
Number of
Households
(1000s)
Percent of
Households
Very
Satisfied
(Percent)
Somewhat
Satisfied
(Percent)
Not Very
Satisfied
(Percent)
Not
Satisfied
at All
(Percent)
Don't
Know
(Percent)
124,192
100.0
75.2
22.0
1.6
0.6
0.6
Less Than $15,000
10,781
100.0
72.7
23.2
2.1
1.2
0.8
$15,000 to $30,000
16,879
100.0
74.7
22.2
1.8
0.5
0.8
$30,000 to $50,000
23,565
100.0
75.5
21.8
1.4
0.6
0.6
$50,000 to $75,000
23,447
100.0
76.3
21.2
1.4
0.6
0.6
At Least $75,000
49,521
100.0
75.3
22.2
1.5
0.6
0.4
No High School Diploma
8,958
100.0
75.7
21.1
1.6
0.3
1.2
High School Diploma
30,023
100.0
77.6
19.6
1.6
0.6
0.6
Some College
35,581
100.0
74.5
22.6
1.5
0.8
0.6
College Degree
49,630
100.0
74.3
23.3
1.5
0.5
0.4
15 to 24 Years
5,751
100.0
72.0
25.7
1.1
0.4
0.8
25 to 34 Years
19,936
100.0
72.0
25.7
1.5
0.6
0.3
35 to 44 Years
20,948
100.0
73.3
23.9
1.8
0.5
0.5
45 to 54 Years
21,187
100.0
72.5
24.2
1.9
0.9
0.5
55 to 64 Years
23,113
100.0
76.6
20.8
1.5
0.5
0.6
65 Years or More
33,257
100.0
79.8
17.5
1.4
0.6
0.7
Black
14,413
100.0
69.9
26.5
1.8
0.7
1.1
Hispanic
16,115
100.0
73.0
24.3
1.7
0.4
0.6
Asian
6,890
100.0
67.6
29.2
1.5
0.2
1.4
American Indian or Alaska Native
800
100.0
68.6
28.6
2.0
0.8
–
Native Hawaiian or Other Pacific
Islander
NA
NA
NA
NA
NA
NA
NA
White
84,022
100.0
77.4
20.1
1.5
0.7
0.4
Two or More Races
1,681
100.0
70.1
26.8
2.2
0.3
0.6
Disabled, Aged 25 to 64
8,940
100.0
71.5
23.7
2.2
1.5
1.0
Not Disabled, Aged 25 to 64
76,244
100.0
73.9
23.6
1.6
0.5
0.4
Not Applicable (Not Aged 25 to 64)
39,008
100.0
78.6
18.7
1.3
0.6
0.7
Income Was About the Same Each
Month
96,966
100.0
76.5
20.9
1.4
0.6
0.6
Income Varied Somewhat From
Month to Month
22,447
100.0
71.2
26.0
1.6
0.7
0.4
Income Varied a Lot From Month
to Month
4,780
100.0
68.0
26.7
3.8
0.9
0.5
Characteristics
All
Family Income
Education
Age Group
Race/Ethnicity
Disability Status
Monthly Income Volatility
50 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
B.16 Satisfaction With Primary Bank, Among Banked Households, by Household
Characteristics, 2019 (continued)
For Banked Households, Row Percent
Number of
Households
(1000s)
Percent of
Households
Very
Satisfied
(Percent)
Somewhat
Satisfied
(Percent)
Not Very
Satisfied
(Percent)
Not
Satisfied
at All
(Percent)
Don't
Know
(Percent)
Employed
78,604
100.0
74.1
23.5
1.5
0.5
0.4
Unemployed
2,507
100.0
69.1
27.1
1.9
2.0
–
Not in Labor Force
43,081
100.0
77.8
19.1
1.6
0.7
0.9
Homeowner
83,109
100.0
77.1
20.5
1.4
0.6
0.4
Non-Homeowner
41,083
100.0
71.5
25.2
1.8
0.7
0.8
Married Couple
59,666
100.0
76.6
20.9
1.6
0.4
0.5
Unmarried Female-Headed Family
13,537
100.0
74.8
22.7
1.4
0.6
0.5
Unmarried Male-Headed Family
6,098
100.0
71.8
24.9
1.9
0.4
1.0
Female Individual
23,531
100.0
76.5
20.6
1.5
0.8
0.7
Male Individual
21,168
100.0
71.2
25.8
1.4
1.0
0.6
NA
NA
NA
NA
NA
NA
NA
U.S.-Born
106,266
100.0
76.1
21.3
1.5
0.6
0.5
Foreign-Born Citizen
10,814
100.0
71.0
25.1
2.0
0.6
1.3
Foreign-Born Noncitizen
7,112
100.0
69.5
27.8
1.5
0.3
0.9
Metropolitan Area - Principal City
35,269
100.0
70.7
26.0
1.7
0.8
0.8
Metropolitan Area - Balance
55,083
100.0
75.3
22.1
1.5
0.5
0.5
Not in Metropolitan Area
16,043
100.0
80.9
16.6
1.5
0.7
0.3
Not Identified
17,798
100.0
78.8
18.8
1.5
0.6
0.3
Northeast
21,565
100.0
75.0
21.9
1.6
0.6
0.9
Midwest
26,889
100.0
77.9
19.7
1.6
0.6
0.3
South
47,193
100.0
76.4
21.1
1.5
0.6
0.5
West
28,545
100.0
71.1
25.9
1.7
0.6
0.7
Characteristics
Employment Status
Homeownership
Household Type
Other
Citizenship and Place of Birth
Metropolitan Status
Geographic Region
“Don’t know” was not one of the four administered response options. Some households did not choose one of the four administered
response options and instead volunteered, “don’t know.” See Appendix 1 (FDIC Technical Notes) for details. NA indicates that the
sample size is too small to produce a precise estimate. The dash symbol indicates an estimate of zero; the population proportion may
be slightly greater than zero.
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 51
B.17 Perceptions of Clarity of Own Bank’s Communication About Account Fees, Among Banked
Households, by Household Characteristics, 2019
For Banked Households, Row Percent
Number of
Households
(1000s)
Percent of
Households
Very
Clearly
(Percent)
Somewhat
Clearly
(Percent)
Not Very
Clearly
(Percent)
Not
Clearly
at All
(Percent)
Don't
Know
(Percent)
124,192
100.0
67.7
24.4
4.4
1.8
1.7
Less Than $15,000
10,781
100.0
66.7
22.1
5.3
2.8
3.1
$15,000 to $30,000
16,879
100.0
68.6
23.5
4.2
1.4
2.3
$30,000 to $50,000
23,565
100.0
69.7
23.4
3.9
1.4
1.6
$50,000 to $75,000
23,447
100.0
68.9
24.0
4.2
1.6
1.4
At Least $75,000
49,521
100.0
66.2
25.8
4.7
1.9
1.3
No High School Diploma
8,958
100.0
68.8
21.1
5.2
1.8
3.2
High School Diploma
30,023
100.0
71.2
22.0
3.5
1.5
1.9
Some College
35,581
100.0
68.7
24.0
3.9
1.8
1.6
College Degree
49,630
100.0
64.8
26.7
5.3
1.9
1.3
15 to 24 Years
5,751
100.0
67.9
24.6
4.6
1.6
1.3
25 to 34 Years
19,936
100.0
64.3
27.5
5.7
1.7
0.8
35 to 44 Years
20,948
100.0
64.9
26.5
4.9
2.0
1.7
45 to 54 Years
21,187
100.0
63.9
27.2
5.2
2.3
1.4
55 to 64 Years
23,113
100.0
69.6
23.4
3.9
1.6
1.5
65 Years or More
33,257
100.0
72.7
20.0
3.3
1.4
2.6
Black
14,413
100.0
63.5
26.3
5.3
2.3
2.6
Hispanic
16,115
100.0
64.5
26.6
5.6
1.6
1.7
Asian
6,890
100.0
60.3
30.9
4.4
2.2
2.2
American Indian or Alaska Native
800
100.0
66.8
25.4
3.9
3.7
0.2
Native Hawaiian or Other Pacific
Islander
NA
NA
NA
NA
NA
NA
NA
White
84,022
100.0
69.7
23.1
4.1
1.6
1.5
Two or More Races
1,681
100.0
66.3
24.6
6.0
2.5
0.6
Disabled, Aged 25 to 64
8,940
100.0
65.0
25.1
4.6
2.7
2.6
Not Disabled, Aged 25 to 64
76,244
100.0
65.9
26.2
4.9
1.8
1.2
Not Applicable (Not Aged 25 to 64)
39,008
100.0
72.0
20.7
3.5
1.4
2.4
Income Was About the Same Each
Month
96,966
100.0
68.9
23.7
4.0
1.6
1.8
Income Varied Somewhat From
Month to Month
22,447
100.0
64.3
27.1
5.6
1.9
1.2
Income Varied a Lot From Month
to Month
4,780
100.0
59.9
25.5
8.8
4.0
1.9
Characteristics
All
Family Income
Education
Age Group
Race/Ethnicity
Disability Status
Monthly Income Volatility
52 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
B.17 Perceptions of Clarity of Own Bank’s Communication About Account Fees, Among Banked
Households, by Household Characteristics, 2019 (continued)
For Banked Households, Row Percent
Number of
Households
(1000s)
Percent of
Households
Very
Clearly
(Percent)
Somewhat
Clearly
(Percent)
Not Very
Clearly
(Percent)
Not
Clearly
at All
(Percent)
Don't
Know
(Percent)
Employed
78,604
100.0
66.3
26.0
4.8
1.8
1.2
Unemployed
2,507
100.0
60.6
27.7
7.3
3.1
1.4
Not in Labor Force
43,081
100.0
70.8
21.3
3.6
1.6
2.6
Homeowner
83,109
100.0
69.6
23.1
4.2
1.6
1.5
Non-Homeowner
41,083
100.0
63.9
27.0
5.0
2.2
2.0
Married Couple
59,666
100.0
69.0
23.9
4.2
1.6
1.4
Unmarried Female-Headed Family
13,537
100.0
66.5
25.2
5.1
1.7
1.6
Unmarried Male-Headed Family
6,098
100.0
66.7
24.4
4.8
2.0
2.1
Female Individual
23,531
100.0
68.6
23.7
3.9
1.7
2.1
Male Individual
21,168
100.0
64.4
26.1
5.2
2.4
1.9
NA
NA
NA
NA
NA
NA
NA
U.S.-Born
106,266
100.0
68.8
23.8
4.2
1.7
1.5
Foreign-Born Citizen
10,814
100.0
62.0
28.4
5.2
1.8
2.7
Foreign-Born Noncitizen
7,112
100.0
61.2
27.6
6.5
2.2
2.6
Metropolitan Area - Principal City
35,269
100.0
61.7
28.3
5.8
2.1
2.1
Metropolitan Area - Balance
55,083
100.0
67.4
25.0
4.2
1.7
1.7
Not in Metropolitan Area
16,043
100.0
76.4
17.4
3.2
1.6
1.4
Not Identified
17,798
100.0
72.9
21.0
3.5
1.4
1.1
Northeast
21,565
100.0
65.6
25.6
4.8
1.8
2.2
Midwest
26,889
100.0
69.8
22.7
4.3
1.8
1.3
South
47,193
100.0
70.4
22.7
3.9
1.5
1.5
West
28,545
100.0
63.0
27.8
5.3
2.1
1.9
Characteristics
Employment Status
Homeownership
Household Type
Other
Citizenship and Place of Birth
Metropolitan Status
Geographic Region
“Don’t know” was not one of the four administered response options. Some households did not choose one of the four administered
response options and instead volunteered, “don’t know.” See Appendix 1 (FDIC Technical Notes) for details. NA indicates that the
sample size is too small to produce a precise estimate.
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 53
C.1 Prepaid Card Use by Bank Account Ownership and Household Characteristics,
2015–2019
For All Households
2015
(Percent)
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
10.2
9.7
8.5
(8.2, 8.9)
-1.2*
(-1.6, -0.7)
Unbanked
29.6
29.5
27.7
(25.6, 30.0)
-1.8
(-4.5, 1.0)
Banked
8.8
8.3
7.4
(7.1, 7.8)
-0.9*
(-1.4, -0.5)
Less Than $15,000
15.2
13.9
13.5
(12.3, 14.7)
-0.5
(-2.2, 1.3)
$15,000 to $30,000
11.3
11.0
10.1
(9.3, 11.1)
-0.9
(-2.2, 0.4)
$30,000 to $50,000
9.2
9.7
8.9
(8.2, 9.6)
-0.8
(-1.8, 0.2)
$50,000 to $75,000
9.6
8.1
7.7
(7.0, 8.4)
-0.4
(-1.4, 0.5)
At Least $75,000
8.4
8.4
6.7
(6.3, 7.2)
-1.7*
(-2.4, -1.0)
No High School Diploma
11.6
11.0
10.3
(9.3, 11.4)
-0.7
(-2.3, 0.9)
High School Diploma
10.9
9.9
9.3
(8.5, 10.0)
-0.6
(-1.5, 0.2)
Some College
11.3
10.6
9.3
(8.8, 9.9)
-1.3*
(-2.1, -0.4)
College Degree
8.4
8.4
7.0
(6.6, 7.5)
-1.4*
(-2.0, -0.8)
15 to 24 Years
13.1
15.9
11.6
(10.0, 13.3)
-4.3*
(-6.8, -1.8)
25 to 34 Years
13.1
11.5
10.6
(9.7, 11.5)
-1.0
(-2.1, 0.2)
35 to 44 Years
11.9
11.4
10.2
(9.4, 11.0)
-1.2*
(-2.4, -0.1)
45 to 54 Years
11.4
11.4
9.8
(9.1, 10.6)
-1.6*
(-2.8, -0.4)
55 to 64 Years
9.6
9.1
8.1
(7.4, 8.8)
-1.0
(-2.0, 0.0)
65 Years or More
5.9
5.2
5.0
(4.6, 5.5)
-0.2
(-0.8, 0.4)
Black
14.9
14.1
14.8
(13.3, 16.4)
0.7
(-1.2, 2.6)
Hispanic
10.1
8.9
7.8
(7.1, 8.7)
-1.0
(-2.3, 0.2)
Asian
5.8
7.8
5.7
(4.7, 6.8)
-2.2*
(-4.0, -0.4)
American Indian or Alaska Native
15.1
20.9
9.5
(6.7, 13.3)
-11.4*
(-16.7, -6.0)
Native Hawaiian or Other Pacific
Islander
16.1
6.2
NA
NA
NA
NA
White
9.4
8.9
7.6
(7.3, 8.0)
-1.3*
(-1.8, -0.8)
Two or More Races
19.8
14.6
10.0
(7.5, 13.3)
-4.6
(-9.3, 0.1)
Disabled, Aged 25 to 64
15.9
16.6
14.8
(13.5, 16.2)
-1.8
(-3.6, 0.1)
Not Disabled, Aged 25 to 64
10.8
10.0
8.9
(8.5, 9.4)
-1.0*
(-1.6, -0.4)
Not Applicable (Not Aged 25 to 64)
7.2
7.1
6.1
(5.6, 6.5)
-1.0*
(-1.7, -0.4)
Characteristics
All
Bank Account Ownership
Family Income
Education
Age Group
Race/Ethnicity
Disability Status
54 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
C.1 Prepaid Card Use by Bank Account Ownership and Household Characteristics,
2015–2019 (continued)
For All Households
2015
(Percent)
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
Income Was About the Same Each
Month
9.2
8.9
7.7
(7.4, 8.1)
-1.2*
(-1.7, -0.7)
Income Varied Somewhat From
Month to Month
13.6
12.6
10.9
(10.1, 11.7)
-1.8*
(-3.0, -0.5)
Income Varied a Lot From Month to
Month
15.5
12.8
13.1
(11.1, 15.3)
0.2
(-2.3, 2.7)
Employed
10.4
10.1
9.0
(8.6, 9.4)
-1.1*
(-1.7, -0.5)
Unemployed
19.2
17.8
16.4
(13.8, 19.5)
-1.4
(-5.3, 2.6)
Not in Labor Force
9.2
8.3
7.2
(6.8, 7.7)
-1.1*
(-1.8, -0.4)
Homeowner
8.3
7.7
6.6
(6.2, 7.0)
-1.1*
(-1.6, -0.6)
Non-Homeowner
13.6
13.2
12.0
(11.4, 12.7)
-1.2*
(-2.1, -0.2)
Married Couple
9.2
8.5
7.4
(7.0, 7.8)
-1.1*
(-1.7, -0.5)
Unmarried Female-Headed Family
16.1
16.8
14.4
(13.4, 15.6)
-2.4*
(-4.0, -0.8)
Unmarried Male-Headed Family
13.7
12.4
9.6
(8.3, 11.1)
-2.8*
(-4.9, -0.7)
Female Individual
8.0
7.8
7.4
(6.8, 8.0)
-0.4
(-1.3, 0.4)
Male Individual
9.8
9.3
8.6
(7.8, 9.4)
-0.7
(-1.9, 0.4)
Other
NA
NA
NA
NA
NA
NA
U.S.-Born
10.6
10.1
8.7
(8.4, 9.1)
-1.4*
(-1.9, -0.9)
Foreign-Born Citizen
6.6
6.8
7.0
(6.0, 8.1)
0.2
(-1.4, 1.8)
Foreign-Born Noncitizen
9.6
7.2
7.5
(6.4, 8.9)
0.3
(-1.3, 1.9)
Metropolitan Area - Principal City
10.6
10.0
9.2
(8.5, 9.8)
-0.8
(-1.7, 0.1)
Metropolitan Area - Balance
9.6
8.8
8.0
(7.5, 8.4)
-0.8*
(-1.5, -0.2)
Not in Metropolitan Area
11.5
10.7
9.1
(8.1, 10.3)
-1.6*
(-2.9, -0.3)
Not Identified
10.1
10.6
8.3
(7.5, 9.2)
-2.3*
(-3.5, -1.1)
Northeast
8.9
8.4
8.2
(7.4, 9.1)
-0.1
(-1.3, 1.0)
Midwest
10.6
10.5
8.9
(8.2, 9.6)
-1.6*
(-2.6, -0.6)
South
11.2
10.0
9.3
(8.6, 9.9)
-0.8
(-1.6, 0.0)
West
9.2
9.3
7.1
(6.5, 7.7)
-2.1*
(-3.0, -1.3)
Characteristics
Monthly Income Volatility
Employment Status
Homeownership
Household Type
Citizenship and Place of Birth
Metropolitan Status
Geographic Region
The estimates of prepaid card use in 2017 and 2015 reported here differ from those published in earlier reports due to a difference
in how nonresponse is handled; see Appendix 1 (FDIC Technical Notes) for details. Asterisk indicates differences that are statistically
significant at the 10 percent level. NA indicates that the sample size is too small to produce a precise estimate.
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 55
C.2 Prepaid Card Use by State, 2015–2019
For All Households
2015
(Percent)
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
10.2
9.7
8.5
(8.2, 8.9)
-1.2*
(-1.6, -0.7)
AL
12.3
14.5
13.6
(7.8, 22.6)
-0.9
(-8.2, 6.3)
AK
8.1
8.7
9.0
(6.5, 12.1)
0.3
(-3.2, 3.8)
AZ
7.7
9.8
7.1
(5.5, 9.1)
-2.8
(-5.5, 0.0)
AR
18.5
11.3
9.3
(6.9, 12.6)
-2.0
(-5.3, 1.3)
CA
9.5
9.3
6.6
(5.8, 7.6)
-2.7*
(-4.2, -1.3)
CO
9.5
9.0
6.8
(4.8, 9.6)
-2.2
(-5.5, 1.2)
CT
7.5
6.7
9.8
(7.2, 13.3)
3.1
(-0.6, 6.8)
DE
8.3
8.4
12.1
(8.7, 16.7)
3.7
(-0.8, 8.2)
DC
10.4
11.5
10.4
(8.5, 12.6)
-1.1
(-4.0, 1.7)
FL
10.2
8.3
8.1
(6.9, 9.6)
-0.2
(-2.0, 1.6)
GA
11.6
10.5
8.3
(6.8, 10.1)
-2.2
(-4.8, 0.4)
HI
6.5
4.9
4.6
(3.0, 6.9)
-0.3
(-3.1, 2.5)
ID
9.5
11.3
9.2
(6.9, 12.1)
-2.1
(-6.3, 2.1)
IL
7.7
8.9
7.0
(5.6, 8.6)
-1.9
(-4.2, 0.5)
IN
8.3
11.5
9.2
(7.2, 11.6)
-2.3
(-5.6, 1.0)
IA
10.6
8.7
8.3
(6.2, 11.0)
-0.5
(-3.7, 2.8)
KS
12.2
12.7
11.5
(8.6, 15.3)
-1.2
(-7.0, 4.7)
KY
12.8
9.3
10.4
(7.8, 13.7)
1.0
(-2.8, 4.8)
LA
11.7
11.3
12.3
(10.0, 15.1)
1.0
(-2.5, 4.4)
ME
10.6
9.5
9.6
(7.7, 11.9)
0.1
(-3.0, 3.2)
MD
11.5
11.0
9.2
(6.9, 12.2)
-1.8
(-5.8, 2.1)
MA
8.8
9.3
5.6
(4.3, 7.2)
-3.8*
(-6.3, -1.2)
MI
12.3
10.2
8.7
(7.1, 10.5)
-1.5
(-4.0, 1.0)
MN
13.1
9.4
8.1
(5.4, 11.8)
-1.3
(-5.0, 2.4)
MS
11.7
15.8
12.8
(10.6, 15.4)
-3.0
(-7.4, 1.3)
MO
13.1
12.3
11.8
(9.4, 14.7)
-0.6
(-3.6, 2.5)
MT
8.5
9.0
10.4
(8.5, 12.6)
1.4
(-1.2, 3.9)
NE
14.6
11.7
9.1
(7.0, 11.7)
-2.7
(-7.3, 2.0)
NV
11.6
6.9
12.1
(9.4, 15.4)
5.2*
(1.2, 9.2)
NH
8.0
8.1
6.4
(4.8, 8.6)
-1.7
(-4.8, 1.4)
NJ
8.5
9.8
9.0
(7.3, 11.1)
-0.7
(-3.5, 2.0)
NM
8.7
7.1
7.7
(5.9, 9.9)
0.6
(-1.8, 3.0)
NY
8.4
6.8
8.2
(6.8, 10.0)
1.4
(-0.8, 3.6)
NC
10.5
8.5
9.8
(8.0, 11.9)
1.3
(-1.4, 3.9)
ND
11.3
10.6
9.0
(7.5, 10.8)
-1.6
(-4.5, 1.3)
Geography
All
State
56 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
C.2 Prepaid Card Use by State, 2015–2019 (continued)
For All Households
2015
(Percent)
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
OH
10.4
12.4
10.3
(8.4, 12.5)
-2.1
(-4.5, 0.2)
OK
13.8
11.9
13.0
(10.6, 15.8)
1.1
(-2.4, 4.7)
OR
10.8
11.5
7.9
(6.0, 10.4)
-3.6*
(-6.6, -0.6)
PA
10.2
9.8
8.9
(7.4, 10.7)
-0.9
(-3.1, 1.3)
RI
10.6
8.0
6.0
(3.7, 9.6)
-2.0
(-5.4, 1.4)
SC
9.4
8.2
6.9
(4.9, 9.8)
-1.2
(-4.8, 2.3)
SD
10.9
10.2
9.8
(7.1, 13.5)
-0.3
(-6.6, 6.0)
TN
13.1
10.9
9.3
(6.6, 13.0)
-1.6
(-5.1, 2.0)
TX
10.6
9.8
8.6
(7.6, 9.6)
-1.3
(-2.9, 0.3)
UT
10.6
14.1
9.6
(7.5, 12.1)
-4.6*
(-8.7, -0.4)
VT
8.0
7.1
8.0
(6.0, 10.5)
0.9
(-2.4, 4.2)
VA
9.6
9.6
7.8
(5.9, 10.2)
-1.8
(-4.6, 0.9)
WA
7.4
7.7
5.4
(3.9, 7.3)
-2.3*
(-4.4, -0.3)
WV
10.7
11.1
10.6
(8.9, 12.6)
-0.5
(-3.2, 2.1)
WI
9.5
8.5
7.3
(5.7, 9.4)
-1.2
(-4.1, 1.8)
WY
10.4
7.9
6.4
(4.8, 8.6)
-1.4
(-4.7, 1.8)
Geography
The estimates of prepaid card use in 2017 and 2015 reported here differ from those published in earlier reports due to a difference
in how nonresponse is handled; see Appendix 1 (FDIC Technical Notes) for details. Asterisk indicates differences that are statistically
significant at the 10 percent level.
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 57
C.3 Prepaid Card Use by MSA, 2015–2019
For All Households
2015
(Percent)
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
10.2
9.7
8.5
(8.2, 8.9)
-1.2*
(-1.6, -0.7)
Albuquerque, NM
8.2
4.0
3.2
(1.9, 5.3)
-0.8
(-3.3, 1.7)
Atlanta-Sandy Springs-Roswell, GA~
8.8
9.7
8.3
(6.4, 10.8)
-1.4
(-4.7, 1.9)
Austin-Round Rock, TX
10.8
7.4
8.2
(4.9, 13.5)
0.8
(-4.6, 6.3)
Baltimore-Columbia-Towson, MD
10.8
12.1
8.1
(5.1, 12.7)
-4.0
(-10.2, 2.2)
Baton Rouge, LA
8.8
6.9
9.9
(6.1, 15.7)
3.0
(-3.9, 9.8)
Birmingham-Hoover, AL
9.5
7.5
12.5
(8.4, 18.3)
5.0
(-0.8, 10.8)
Boise City, ID
6.3
8.9
10.2
(7.1, 14.5)
1.3
(-4.2, 6.9)
Boston-Cambridge-Newton, MA-NH~
9.6
10.7
6.1
(4.4, 8.4)
-4.6*
(-8.0, -1.2)
Burlington-South Burlington, VT~
9.6
5.7
12.9
(9.0, 18.2)
7.2*
(0.3, 14.0)
Charleston, WV~
NA
NA
9.5
(5.5, 15.9)
NA
NA
Charlotte-Concord-Gastonia, NC-SC~
8.6
6.7
6.8
(4.2, 10.7)
0.1
(-4.0, 4.3)
Chicago-Naperville-Elgin, IL-IN-WI
7.7
7.8
7.9
(6.2, 9.9)
0.1
(-2.5, 2.6)
Cincinnati, OH-KY-IN~
9.2
8.9
13.2
(8.5, 19.9)
4.3
(-2.7, 11.3)
Cleveland-Elyria, OH
13.9
8.4
10.8
(7.3, 15.9)
2.4
(-2.4, 7.3)
Columbus, OH~
12.2
9.8
9.9
(6.4, 15.0)
0.1
(-6.1, 6.2)
Dallas-Fort Worth-Arlington, TX~
12.5
10.2
8.1
(6.2, 10.6)
-2.1
(-5.5, 1.3)
Denver-Aurora-Lakewood, CO
9.4
6.8
7.8
(4.6, 12.9)
1.0
(-3.8, 5.8)
Detroit-Warren-Dearborn, MI
9.6
9.3
8.8
(6.2, 12.2)
-0.6
(-4.6, 3.5)
Fargo, ND-MN
17.6
17.0
10.8
(7.5, 15.4)
-6.2
(-13.0, 0.6)
Hartford-West Hartford-East Hartford,
CT~
12.4
5.3
12.9
(8.3, 19.6)
7.6*
(1.3, 14.0)
Houston-The Woodlands-Sugar Land,
TX~
9.5
9.6
7.4
(5.3, 10.2)
-2.2
(-5.8, 1.3)
Indianapolis-Carmel-Anderson, IN~
10.0
10.9
7.5
(4.4, 12.5)
-3.5
(-9.0, 2.0)
Jackson, MS~
13.8
8.9
14.5
(9.0, 22.6)
5.6
(-2.2, 13.4)
Kansas City, MO-KS~
14.1
15.2
17.2
(13.3, 22.0)
2.0
(-4.2, 8.2)
Las Vegas-Henderson-Paradise, NV
12.8
6.0
12.9
(9.7, 17.0)
6.9*
(2.3, 11.5)
Little Rock-North Little Rock-Conway,
AR
22.0
12.6
7.8
(4.8, 12.6)
-4.8
(-10.1, 0.5)
Los Angeles-Long Beach-Anaheim, CA
8.1
7.3
6.1
(4.9, 7.6)
-1.1
(-3.4, 1.2)
Louisville/Jefferson County, KY-IN~
9.1
7.1
9.1
(5.6, 14.7)
2.1
(-3.7, 7.9)
Manchester-Nashua, NH~
7.4
5.1
5.5
(2.9, 10.2)
0.3
(-4.6, 5.3)
Memphis, TN-MS-AR~
16.2
14.2
16.4
(10.7, 24.4)
2.2
(-6.1, 10.5)
Miami-Fort Lauderdale-West Palm
Beach, FL
10.6
7.6
5.8
(4.0, 8.4)
-1.8
(-4.8, 1.3)
Milwaukee-Waukesha-West Allis, WI
12.7
10.8
5.5
(3.0, 9.9)
-5.3
(-11.7, 1.1)
Minneapolis-St. Paul-Bloomington,
MN-WI~
12.9
11.8
8.4
(5.9, 11.8)
-3.5
(-8.0, 1.1)
Geography
All
MSA
58 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
C.3 Prepaid Card Use by MSA, 2015–2019 (continued)
For All Households
2015
(Percent)
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
Nashville-Davidson-MurfreesboroFranklin, TN~
14.3
14.0
4.4
(2.0, 9.3)
-9.6*
(-15.1, -4.1)
New Orleans-Metairie, LA~
10.0
8.5
15.6
(10.8, 22.0)
7.0*
(0.4, 13.6)
New York-Newark-Jersey City, NY-NJPA~
8.0
6.8
7.8
(6.5, 9.3)
1.0
(-0.8, 2.8)
Oklahoma City, OK
18.0
8.5
15.3
(11.4, 20.1)
6.8*
(0.9, 12.7)
Omaha-Council Bluffs, NE-IA
18.7
10.5
8.1
(5.2, 12.4)
-2.4
(-7.3, 2.4)
Orlando-Kissimmee-Sanford, FL
8.9
7.5
14.5
(9.6, 21.2)
6.9*
(0.1, 13.8)
Philadelphia-Camden-Wilmington,
PA-NJ-DE-MD
6.8
11.3
9.2
(6.9, 12.2)
-2.0
(-5.7, 1.6)
Phoenix-Mesa-Scottsdale, AZ
6.9
10.0
6.0
(4.1, 8.7)
-3.9*
(-7.8, -0.1)
Pittsburgh, PA
18.6
12.0
9.2
(6.3, 13.1)
-2.9
(-8.0, 2.3)
Portland-South Portland, ME~
7.3
8.7
9.7
(6.1, 15.0)
1.0
(-4.7, 6.6)
Portland-Vancouver-Hillsboro, OR-WA
12.3
12.0
7.2
(4.6, 11.1)
-4.7*
(-9.1, -0.3)
Providence-Warwick, RI-MA~
13.0
6.7
5.6
(3.5, 8.6)
-1.2
(-4.3, 2.0)
Riverside-San Bernardino-Ontario, CA
11.7
12.2
3.8
(2.4, 6.0)
-8.4*
(-12.4, -4.5)
Sacramento-Roseville-Arden-Arcade,
CA
10.6
10.9
5.0
(2.8, 8.8)
-6.0*
(-10.9, -1.0)
St. Louis, MO-IL~
10.8
11.1
6.2
(4.0, 9.5)
-4.9*
(-8.9, -0.9)
Salt Lake City, UT~
8.9
10.5
8.3
(5.4, 12.6)
-2.2
(-7.6, 3.2)
San Antonio-New Braunfels, TX
15.3
7.4
11.8
(8.4, 16.5)
4.4
(-0.4, 9.3)
San Diego-Carlsbad, CA
8.1
8.8
10.9
(7.4, 15.7)
2.0
(-2.8, 6.9)
San Francisco-Oakland-Hayward, CA
7.8
8.0
6.1
(4.2, 8.9)
-1.9
(-5.3, 1.5)
San Jose-Sunnyvale-Santa Clara, CA
NA
11.7
7.4
(4.2, 12.7)
-4.4
(-12.8, 4.0)
Seattle-Tacoma-Bellevue, WA
6.8
7.6
4.5
(3.1, 6.4)
-3.1*
(-6.1, -0.1)
Sioux Falls, SD
8.3
10.4
8.9
(5.1, 15.1)
-1.6
(-8.1, 5.0)
Tampa-St. Petersburg-Clearwater, FL
8.7
5.7
8.7
(6.0, 12.5)
3.0
(-1.2, 7.2)
Tucson, AZ
NA
NA
11.2
(7.6, 16.2)
NA
NA
Tulsa, OK
12.0
14.3
12.6
(7.8, 19.7)
-1.7
(-9.1, 5.7)
Urban Honolulu, HI
7.2
5.9
4.9
(3.2, 7.7)
-1.0
(-4.4, 2.5)
Virginia Beach-Norfolk-Newport
News, VA-NC~
10.0
13.3
14.7
(9.1, 22.8)
1.3
(-7.0, 9.7)
Washington-Arlington-Alexandria,
DC-VA-MD-WV~
9.5
7.8
8.0
(6.0, 10.4)
0.2
(-2.7, 3.1)
Wichita, KS~
17.0
8.0
12.2
(7.4, 19.4)
4.2
(-3.4, 11.8)
Worcester, MA-CT~
NA
8.1
5.5
(2.9, 10.3)
-2.6
(-8.6, 3.3)
Geography
The estimates of prepaid card use in 2017 and 2015 reported here differ from those published in earlier reports due to a difference
in how nonresponse is handled; see Appendix 1 (FDIC Technical Notes) for details. The tilde symbol indicates areas with geographic
boundary changes between the 2013 and 2015 surveys; see Appendix 1 (FDIC Technical Notes) for details. Asterisk indicates differences
that are statistically significant at the 10 percent level. NA indicates that the sample size is too small to produce a precise estimate.
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 59
D.1 Specific Nonbank Financial Transaction Service Use by Bank Account Ownership and
Household Characteristics, 2019
For All Households, Row Percent
Characteristics
All
InterBill
Number of
Money
Check
Percent of
national
Payment
Households
Order
Cashing
Households
Remittance
Service
(1000s)
(Percent) (Percent)
(Percent) (Percent)
Memo:
Money
P2P
Order, Check
Payment
Cashing, or
Service
Bill Payment
(Percent)
Service
(Percent)
131,248
100.0
11.9
5.5
5.5
4.9
31.1
17.2
7,056
100.0
42.3
31.9
9.4
14.4
8.8
56.1
124,192
100.0
10.2
4.0
5.3
4.4
32.3
15.0
Less Than $15,000
14,048
100.0
23.0
11.0
4.8
6.6
14.6
30.4
$15,000 to $30,000
18,848
100.0
18.2
9.0
6.3
6.6
17.1
24.6
$30,000 to $50,000
24,694
100.0
15.2
7.4
7.0
6.6
24.5
21.5
$50,000 to $75,000
23,857
100.0
9.6
4.3
6.2
5.1
31.3
15.3
At Least $75,000
49,801
100.0
6.0
2.4
4.4
2.8
44.2
9.6
No High School Diploma
11,392
100.0
23.3
14.6
14.7
9.8
10.2
33.6
High School Diploma
32,659
100.0
14.6
7.1
5.5
5.6
18.4
20.6
Some College
37,165
100.0
12.9
5.8
4.1
5.2
30.1
18.5
College Degree
50,032
100.0
6.8
2.3
4.5
3.1
44.8
10.4
15 to 24 Years
6,307
100.0
20.2
9.8
7.1
10.5
43.9
27.6
25 to 34 Years
21,412
100.0
16.4
7.0
7.2
7.5
49.7
22.5
35 to 44 Years
22,349
100.0
13.1
7.0
8.5
5.7
41.6
19.4
45 to 54 Years
22,334
100.0
12.5
5.3
6.6
5.1
34.6
18.0
55 to 64 Years
24,450
100.0
11.0
4.7
4.4
4.2
24.5
15.9
65 Years or More
34,397
100.0
7.1
3.7
2.5
2.1
12.7
11.1
Black
16,728
100.0
27.2
9.6
6.1
9.3
27.7
34.1
Hispanic
18,352
100.0
20.8
10.6
20.2
10.6
24.3
29.7
Asian
Bank Account Ownership
Unbanked
Banked
Family Income
Education
Age Group
Race/Ethnicity
7,007
100.0
6.9
2.4
13.3
4.8
38.0
11.5
American Indian or Alaska
Native
955
100.0
21.0
11.4
0.3
10.5
22.3
32.1
Native Hawaiian or Other
Pacific Islander
NA
NA
NA
NA
NA
NA
NA
NA
White
86,152
100.0
7.3
3.9
1.7
2.8
32.5
11.5
Two or More Races
1,769
100.0
14.2
3.7
3.1
4.3
40.1
18.8
60 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
D.1 Specific Nonbank Financial Transaction Service Use by Bank Account Ownership and
Household Characteristics, 2019 (continued)
For All Households, Row Percent
Characteristics
InterBill
Number of
Money
Check
Percent of
national
Payment
Households
Order
Cashing
Households
Remittance
Service
(1000s)
(Percent) (Percent)
(Percent) (Percent)
Memo:
Money
P2P
Order, Check
Payment
Cashing, or
Service
Bill Payment
(Percent)
Service
(Percent)
Disability Status
Disabled, Aged 25 to 64
10,668
100.0
21.1
9.3
3.3
6.5
20.6
28.6
Not Disabled, Aged 25
to 64
79,877
100.0
12.1
5.5
7.0
5.5
39.4
17.5
Not Applicable (Not Aged
25 to 64)
40,704
100.0
9.1
4.6
3.2
3.4
17.6
13.7
Income Was About the
Same Each Month
101,916
100.0
10.7
4.7
4.8
4.2
29.3
15.5
Income Varied Somewhat
From Month to Month
23,980
100.0
15.5
8.0
7.7
6.9
37.5
22.5
Income Varied a Lot From
Month to Month
5,353
100.0
19.9
10.0
9.8
8.4
36.4
26.7
Employed
81,542
100.0
11.9
5.2
6.8
5.5
39.8
17.3
Unemployed
2,887
100.0
18.5
9.6
8.3
6.5
30.1
26.5
Not in Labor Force
46,820
100.0
11.5
5.8
3.2
3.7
16.0
16.5
Homeowner
84,688
100.0
6.8
3.4
3.9
3.1
30.2
11.0
Non-Homeowner
46,561
100.0
21.2
9.5
8.4
8.2
32.6
28.5
Married Couple
60,971
100.0
8.4
4.0
6.3
4.1
34.5
13.2
Unmarried FemaleHeaded Family
15,233
100.0
21.3
10.0
7.7
7.9
28.3
28.7
Unmarried Male-Headed
Family
6,602
100.0
16.8
9.2
8.3
8.8
29.2
25.6
Female Individual
24,990
100.0
11.9
5.2
2.8
3.8
25.5
16.5
Male Individual
23,178
100.0
13.7
6.0
4.3
5.2
30.4
18.8
NA
NA
NA
NA
NA
NA
NA
NA
U.S.-Born
111,679
100.0
11.3
5.1
2.0
4.0
32.1
16.0
Foreign-Born Citizen
11,242
100.0
11.7
4.8
20.6
7.9
24.8
18.6
Foreign-Born Noncitizen
8,327
100.0
21.3
12.2
32.6
12.9
26.3
31.4
Monthly Income
Volatility
Employment Status
Homeownership
Household Type
Other
Citizenship and Place
of Birth
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 61
D.1 Specific Nonbank Financial Transaction Service Use by Bank Account Ownership and
Household Characteristics, 2019 (continued)
For All Households, Row Percent
Characteristics
InterBill
Number of
Money
Check
Percent of
national
Payment
Households
Order
Cashing
Households
Remittance
Service
(1000s)
(Percent) (Percent)
(Percent) (Percent)
Memo:
Money
P2P
Order, Check
Payment
Cashing, or
Service
Bill Payment
(Percent)
Service
(Percent)
Metropolitan Status
Metropolitan Area Principal City
38,371
100.0
14.6
6.2
7.9
6.2
35.5
20.2
Metropolitan Area Balance
57,182
100.0
10.4
4.8
5.7
4.4
32.4
15.1
Not in Metropolitan Area
17,112
100.0
12.2
6.8
2.3
3.8
20.1
18.1
Not Identified
18,583
100.0
10.8
5.5
3.1
4.9
27.8
16.8
Northeast
22,622
100.0
11.5
4.1
6.6
5.3
30.8
16.2
Midwest
28,297
100.0
9.0
4.8
3.6
3.9
31.2
14.2
South
50,328
100.0
14.9
6.4
5.3
5.3
28.4
20.3
West
30,000
100.0
10.0
5.8
7.0
4.8
35.7
15.9
Geographic Region
NA indicates that the sample size is too small to produce a precise estimate.
62 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
D.2 Specific Nonbank Financial Transaction Service Use by State, 2019
For All Households, Row Percent
Geography
All
InterBill
Number of
Money
Check
Percent of
national
Payment
Households
Order
Cashing
Households
Remittance
Service
(1000s)
(Percent) (Percent)
(Percent) (Percent)
Memo:
Money
P2P
Order, Check
Payment
Cashing, or
Service
Bill Payment
(Percent)
Service
(Percent)
131,248
100.0
11.9
5.5
5.5
4.9
31.1
17.2
AL
2,062
100.0
16.6
7.1
1.7
4.0
25.0
20.5
AK
277
100.0
8.1
5.1
4.4
3.6
34.3
13.6
AZ
2,900
100.0
10.8
3.8
5.3
3.0
34.0
15.1
AR
1,201
100.0
15.2
7.5
2.4
7.4
24.7
23.9
CA
14,325
100.0
9.8
5.2
9.3
5.0
36.5
14.7
CO
2,449
100.0
7.1
9.9
5.4
2.1
36.0
15.8
CT
1,524
100.0
10.8
4.5
5.9
5.8
32.7
17.4
DE
440
100.0
8.0
3.0
2.5
4.4
28.9
12.8
DC
363
100.0
16.6
4.1
4.8
2.6
53.5
19.1
FL
9,139
100.0
15.5
5.6
9.1
7.3
26.6
20.8
GA
4,144
100.0
18.2
8.9
6.6
5.1
30.4
23.4
HI
502
100.0
6.8
4.7
5.3
5.3
30.5
14.8
ID
702
100.0
11.7
7.9
4.9
4.3
30.9
18.9
IL
5,364
100.0
8.6
5.6
5.7
6.4
31.2
16.1
IN
2,765
100.0
12.1
5.4
3.7
4.5
31.6
18.4
IA
1,320
100.0
6.1
2.9
2.0
3.3
26.3
9.2
KS
1,141
100.0
11.5
7.2
4.5
6.6
35.3
19.0
KY
1,838
100.0
10.5
5.1
3.1
1.9
20.0
14.4
LA
1,945
100.0
19.5
6.8
3.0
5.3
24.2
25.5
ME
604
100.0
5.2
4.0
1.5
0.6
24.7
8.8
MD
2,379
100.0
10.8
4.7
6.5
6.2
40.2
16.0
MA
2,809
100.0
8.0
2.8
7.3
5.2
35.2
12.4
MI
4,220
100.0
12.4
5.2
2.6
3.8
31.4
16.6
MN
2,407
100.0
4.1
3.3
2.4
1.8
32.8
7.7
MS
1,199
100.0
20.6
7.5
2.2
7.5
20.5
27.1
MO
2,516
100.0
11.0
6.3
3.1
3.1
32.5
16.9
MT
460
100.0
10.3
6.6
1.5
4.5
29.1
16.8
NE
742
100.0
8.7
5.8
6.1
6.3
34.7
15.9
NV
1,350
100.0
15.7
10.8
7.7
10.9
30.7
25.7
NH
545
100.0
5.2
2.4
3.8
4.3
33.3
10.2
NJ
3,317
100.0
9.7
3.0
11.2
6.5
26.2
15.9
NM
829
100.0
17.0
6.8
5.0
7.5
19.2
22.8
NY
7,879
100.0
13.3
4.9
7.3
6.1
30.2
18.4
State
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 63
D.2 Specific Nonbank Financial Transaction Service Use by State, 2019 (continued)
For All Households, Row Percent
Geography
InterBill
Number of
Money
Check
Percent of
national
Payment
Households
Order
Cashing
Households
Remittance
Service
(1000s)
(Percent) (Percent)
(Percent) (Percent)
Memo:
Money
P2P
Order, Check
Payment
Cashing, or
Service
Bill Payment
(Percent)
Service
(Percent)
NC
4,369
100.0
11.9
5.1
2.6
5.1
29.7
17.1
ND
308
100.0
9.8
5.8
1.7
2.5
28.1
15.7
OH
4,653
100.0
8.7
3.5
3.2
2.4
32.2
11.9
OK
1,612
100.0
17.6
5.8
3.2
4.7
27.1
22.5
OR
1,825
100.0
10.7
5.5
3.3
4.2
36.3
15.6
PA
5,245
100.0
13.8
4.3
3.7
4.0
32.2
16.6
RI
441
100.0
7.3
3.1
5.1
5.1
27.5
12.1
SC
2,081
100.0
11.0
9.3
3.9
6.0
24.2
19.4
SD
354
100.0
8.4
7.1
2.3
5.3
27.0
16.1
TN
2,781
100.0
13.2
6.7
1.6
2.9
27.6
17.0
TX
10,395
100.0
16.6
6.7
7.1
5.6
29.4
22.1
UT
1,098
100.0
6.3
4.4
4.9
10.1
56.1
18.1
VT
259
100.0
6.5
5.2
1.6
4.0
31.3
14.1
VA
3,619
100.0
12.2
6.1
3.9
3.4
34.2
16.5
WA
3,043
100.0
8.9
5.5
4.2
2.7
36.0
14.4
WV
761
100.0
11.3
7.3
1.6
3.0
19.3
17.2
WI
2,508
100.0
4.6
3.5
3.0
2.5
26.4
8.7
WY
241
100.0
10.2
7.8
1.4
7.5
22.9
18.7
64 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
D.3 Specific Nonbank Financial Transaction Service Use by MSA, 2019
For All Households, Row Percent
Geography
All
InterBill
Number of
Money
Check
Percent of
national
Payment
Households
Order
Cashing
Households
Remittance
Service
(1000s)
(Percent) (Percent)
(Percent) (Percent)
Memo:
Money
P2P
Order, Check
Payment
Cashing, or
Service
Bill Payment
(Percent)
Service
(Percent)
131,248
100.0
11.9
5.5
5.5
4.9
31.1
17.2
MSA
Albuquerque, NM
398
100.0
12.1
5.0
7.6
5.5
21.3
16.3
Atlanta-Sandy SpringsRoswell, GA~
2,420
100.0
16.7
6.8
8.8
5.3
37.6
20.9
Austin-Round Rock, TX
719
100.0
10.4
3.2
4.4
4.6
42.9
14.0
1,024
100.0
14.1
6.8
4.6
6.9
49.0
19.2
Baton Rouge, LA
359
100.0
13.9
4.1
3.8
4.2
29.7
17.7
Birmingham-Hoover, AL
453
100.0
11.2
3.4
1.2
1.5
21.2
12.7
Boise City, ID
278
100.0
11.3
7.1
5.9
1.7
39.3
17.8
Baltimore-ColumbiaTowson, MD
Boston-CambridgeNewton, MA-NH~
1,987
100.0
8.0
3.1
7.7
5.8
41.9
12.8
Burlington-South
Burlington, VT~
83
100.0
5.5
2.3
–
6.6
38.4
14.3
Charleston, WV~
113
100.0
11.0
4.8
0.8
0.8
15.5
14.9
Charlotte-ConcordGastonia, NC-SC~
1,065
100.0
9.3
4.2
5.3
6.6
41.5
14.7
Chicago-Naperville-Elgin,
IL-IN-WI
3,978
100.0
9.3
5.4
6.8
5.5
32.3
16.1
Cincinnati, OH-KY-IN~
727
100.0
10.2
3.1
7.3
3.6
34.8
13.3
Cleveland-Elyria, OH
839
100.0
10.4
6.7
1.8
3.8
40.4
15.8
Columbus, OH~
943
100.0
8.8
2.2
6.8
2.2
38.3
11.0
Dallas-Fort WorthArlington, TX~
2,929
100.0
16.1
5.9
6.8
4.2
33.0
21.1
Denver-Aurora-Lakewood,
CO
1,342
100.0
7.5
3.6
6.2
1.2
46.1
10.0
Detroit-Warren-Dearborn,
MI
1,822
100.0
13.3
6.7
4.1
3.7
32.2
18.8
Fargo, ND-MN
80
100.0
9.2
6.9
2.7
3.7
38.2
16.1
Hartford-West HartfordEast Hartford, CT~
593
100.0
11.2
5.9
4.9
3.3
22.3
17.2
2,474
100.0
19.2
7.9
10.0
7.5
30.4
24.9
Indianapolis-CarmelAnderson, IN~
961
100.0
11.1
6.1
2.4
2.4
35.2
14.3
Jackson, MS~
241
100.0
19.5
8.6
5.1
5.7
25.4
25.4
Kansas City, MO-KS~
785
100.0
10.5
5.5
3.2
2.5
41.1
15.1
1,031
100.0
17.8
9.2
8.0
11.7
30.0
27.1
Houston-The WoodlandsSugar Land, TX~
Las Vegas-HendersonParadise, NV
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 65
D.3 Specific Nonbank Financial Transaction Service Use by MSA, 2019 (continued)
For All Households, Row Percent
Geography
Little Rock-North Little
Rock-Conway, AR
InterBill
Number of
Money
Check
Percent of
national
Payment
Households
Order
Cashing
Households
Remittance
Service
(1000s)
(Percent) (Percent)
(Percent) (Percent)
Memo:
Money
P2P
Order, Check
Payment
Cashing, or
Service
Bill Payment
(Percent)
Service
(Percent)
347
100.0
16.1
8.2
5.7
7.7
30.2
24.8
4,661
100.0
10.2
4.3
11.8
6.0
37.0
15.3
Louisville/Jefferson
County, KY-IN~
587
100.0
9.8
2.3
6.0
3.2
28.1
13.3
Manchester-Nashua, NH~
158
100.0
8.2
0.5
9.7
5.5
30.7
12.6
Memphis, TN-MS-AR~
Los Angeles-Long BeachAnaheim, CA
608
100.0
24.3
15.8
1.5
6.8
19.2
32.2
Miami-Fort LauderdaleWest Palm Beach, FL
2,827
100.0
16.3
5.7
19.5
7.9
24.9
22.1
Milwaukee-WaukeshaWest Allis, WI
665
100.0
2.4
3.2
5.2
4.1
35.9
7.1
Minneapolis-St. PaulBloomington, MN-WI~
1,517
100.0
4.4
3.0
3.3
2.0
37.6
8.3
Nashville-DavidsonMurfreesboro-Franklin,
TN~
756
100.0
9.2
1.8
1.0
1.7
38.0
9.7
New Orleans-Metairie, LA~
551
100.0
19.2
6.4
2.8
6.6
33.4
24.8
7,751
100.0
12.6
4.6
10.4
6.7
28.0
17.9
Oklahoma City, OK
592
100.0
17.0
7.8
4.9
4.6
39.6
20.3
Omaha-Council Bluffs,
NE-IA
New York-Newark-Jersey
City, NY-NJ-PA~
417
100.0
12.4
6.8
5.3
6.9
41.6
19.2
Orlando-KissimmeeSanford, FL
1,042
100.0
18.7
5.1
7.0
6.5
35.3
21.3
Philadelphia-CamdenWilmington, PA-NJDE-MD
2,381
100.0
13.3
3.8
6.5
4.0
41.5
16.9
Phoenix-Mesa-Scottsdale,
AZ
2,031
100.0
8.9
3.5
5.8
2.1
38.2
12.3
Pittsburgh, PA
1,132
100.0
16.7
7.4
1.7
8.7
34.5
22.4
Portland-South Portland,
ME~
251
100.0
3.8
4.3
1.2
–
30.3
8.1
Portland-VancouverHillsboro, OR-WA
1,058
100.0
9.6
3.0
4.3
5.1
40.8
14.5
Providence-Warwick,
RI-MA~
610
100.0
8.0
4.3
4.6
4.4
28.2
13.3
1,686
100.0
8.5
6.7
8.6
8.2
19.5
16.5
908
100.0
8.4
3.6
5.1
1.3
39.0
10.3
Riverside-San BernardinoOntario, CA
Sacramento-RosevilleArden-Arcade, CA
66 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
D.3 Specific Nonbank Financial Transaction Service Use by MSA, 2019 (continued)
For All Households, Row Percent
Geography
St. Louis, MO-IL~
InterBill
Number of
Money
Check
Percent of
national
Payment
Households
Order
Cashing
Households
Remittance
Service
(1000s)
(Percent) (Percent)
(Percent) (Percent)
Memo:
Money
P2P
Order, Check
Payment
Cashing, or
Service
Bill Payment
(Percent)
Service
(Percent)
1,356
100.0
9.7
5.6
3.6
6.2
38.6
17.8
Salt Lake City, UT~
423
100.0
4.4
6.3
6.5
9.0
58.8
18.1
San Antonio-New
Braunfels, TX
1,024
100.0
16.2
5.4
8.4
8.0
29.7
22.7
San Diego-Carlsbad, CA
1,243
100.0
9.5
5.2
5.3
2.7
42.6
12.2
San Francisco-OaklandHayward, CA
1,712
100.0
6.0
3.5
8.5
2.9
50.3
9.0
761
100.0
4.3
3.5
12.7
1.7
55.3
6.5
1,661
100.0
6.8
3.3
5.1
1.4
46.1
10.1
115
100.0
2.1
4.1
3.4
3.0
34.1
6.2
1,416
100.0
14.2
2.9
4.7
2.6
29.0
16.4
Tucson, AZ
444
100.0
16.3
4.1
4.8
3.1
19.4
20.8
Tulsa, OK
442
100.0
18.9
5.5
3.5
3.4
25.2
25.3
Urban Honolulu, HI
375
100.0
6.8
4.7
5.4
4.8
33.7
14.2
Virginia Beach-NorfolkNewport News, VA-NC~
715
100.0
10.5
6.9
2.8
9.2
26.8
18.4
Washington-ArlingtonAlexandria, DC-VA-MDWV~
2,608
100.0
10.8
3.8
7.9
3.6
44.2
15.0
Wichita, KS~
292
100.0
8.4
3.0
4.6
5.9
25.8
13.3
Worcester, MA-CT~
423
100.0
5.8
3.3
5.8
5.4
30.4
11.5
San Jose-SunnyvaleSanta Clara, CA
Seattle-Tacoma-Bellevue,
WA
Sioux Falls, SD
Tampa-St. PetersburgClearwater, FL
The tilde symbol indicates areas with geographic boundary changes between the 2013 and 2015 surveys; see Appendix 1 (FDIC
Technical Notes) for details. The dash symbol indicates an estimate of zero; the population proportion may be slightly greater
than zero.
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 67
D.4 Nonbank Money Order Use by Bank Account Ownership and Household Characteristics,
2015–2019
For All Households
2015
(Percent)
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
15.7
14.3
11.9
(11.6, 12.3)
-2.3*
(-2.9, -1.8)
Unbanked
47.8
44.0
42.3
(39.9, 44.8)
-1.7
(-5.0, 1.5)
Banked
13.4
12.3
10.2
(9.9, 10.6)
-2.1*
(-2.6, -1.6)
Less Than $15,000
29.6
24.9
23.0
(21.6, 24.4)
-1.9
(-3.8, 0.0)
$15,000 to $30,000
22.1
21.3
18.2
(17.2, 19.3)
-3.1*
(-4.8, -1.4)
$30,000 to $50,000
16.9
17.2
15.2
(14.2, 16.2)
-2.0*
(-3.4, -0.6)
$50,000 to $75,000
12.9
11.2
9.6
(8.8, 10.4)
-1.6*
(-2.8, -0.5)
At Least $75,000
7.1
7.4
6.0
(5.6, 6.4)
-1.4*
(-2.0, -0.8)
No High School Diploma
27.2
26.3
23.3
(21.7, 25.1)
-3.0*
(-5.1, -0.9)
High School Diploma
19.3
16.9
14.6
(13.9, 15.4)
-2.3*
(-3.5, -1.2)
Some College
16.9
15.2
12.9
(12.2, 13.7)
-2.2*
(-3.3, -1.1)
College Degree
8.3
8.5
6.8
(6.4, 7.4)
-1.7*
(-2.4, -1.0)
15 to 24 Years
27.3
23.8
20.2
(18.2, 22.4)
-3.6*
(-6.4, -0.8)
25 to 34 Years
21.1
18.8
16.4
(15.5, 17.5)
-2.4*
(-3.8, -0.9)
35 to 44 Years
17.6
16.9
13.1
(12.3, 14.0)
-3.7*
(-5.0, -2.4)
45 to 54 Years
15.9
14.3
12.5
(11.6, 13.4)
-1.8*
(-3.1, -0.5)
55 to 64 Years
14.4
13.9
11.0
(10.3, 11.7)
-2.9*
(-4.0, -1.8)
65 Years or More
9.0
7.9
7.1
(6.6, 7.6)
-0.8*
(-1.5, -0.1)
Black
34.8
31.4
27.2
(25.6, 28.9)
-4.2*
(-6.4, -2.0)
Hispanic
25.5
24.6
20.8
(19.4, 22.2)
-3.8*
(-5.8, -1.8)
Asian
9.0
8.8
6.9
(5.9, 8.2)
-1.9*
(-3.7, 0.0)
American Indian or Alaska Native
26.9
26.6
21.0
(16.6, 26.1)
-5.7
(-12.9, 1.5)
Native Hawaiian or Other Pacific
Islander
18.7
17.0
NA
NA
NA
NA
White
10.5
9.1
7.3
(7.0, 7.7)
-1.7*
(-2.3, -1.2)
Two or More Races
24.7
22.4
14.2
(11.0, 18.1)
-8.2*
(-14.0, -2.4)
Disabled, Aged 25 to 64
28.1
23.6
21.1
(19.6, 22.7)
-2.5*
(-4.7, -0.3)
Not Disabled, Aged 25 to 64
15.5
14.7
12.1
(11.7, 12.6)
-2.6*
(-3.2, -2.0)
Not Applicable (Not Aged 25 to 64)
12.3
10.6
9.1
(8.6, 9.7)
-1.5*
(-2.3, -0.6)
Characteristics
All
Bank Account Ownership
Family Income
Education
Age Group
Race/Ethnicity
Disability Status
68 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
D.4 Nonbank Money Order Use by Bank Account Ownership and Household Characteristics,
2015–2019 (continued)
For All Households
2015
(Percent)
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
Income Was About the Same Each
Month
14.3
12.7
10.7
(10.3, 11.1)
-2.1*
(-2.6, -1.5)
Income Varied Somewhat From
Month to Month
20.2
19.4
15.5
(14.7, 16.4)
-3.8*
(-5.2, -2.5)
Income Varied a Lot From Month to
Month
25.0
24.2
19.9
(17.8, 22.1)
-4.3*
(-7.6, -1.1)
Employed
15.6
14.6
11.9
(11.5, 12.4)
-2.7*
(-3.3, -2.0)
Unemployed
28.3
25.2
18.5
(15.9, 21.5)
-6.7*
(-10.6, -2.8)
Not in Labor Force
14.9
12.9
11.5
(11.0, 12.1)
-1.4*
(-2.1, -0.6)
Homeowner
9.7
8.3
6.8
(6.5, 7.2)
-1.5*
(-2.0, -1.0)
Non-Homeowner
26.4
24.8
21.2
(20.4, 22.0)
-3.6*
(-4.8, -2.4)
Married Couple
11.2
10.4
8.4
(8.0, 8.8)
-2.0*
(-2.6, -1.4)
Unmarried Female-Headed Family
29.6
26.7
21.3
(19.9, 22.6)
-5.5*
(-7.4, -3.6)
Unmarried Male-Headed Family
22.4
20.9
16.8
(15.1, 18.7)
-4.1*
(-7.0, -1.2)
Female Individual
15.2
12.6
11.9
(11.1, 12.7)
-0.7
(-1.8, 0.4)
Male Individual
16.8
16.4
13.7
(12.7, 14.7)
-2.8*
(-4.2, -1.4)
Other
NA
NA
NA
NA
NA
NA
U.S.-Born
14.9
13.4
11.3
(10.9, 11.7)
-2.2*
(-2.7, -1.6)
Foreign-Born Citizen
15.2
14.9
11.7
(10.5, 13.0)
-3.2*
(-5.0, -1.4)
Foreign-Born Noncitizen
26.0
24.6
21.3
(19.4, 23.3)
-3.3*
(-6.2, -0.4)
Metropolitan Area - Principal City
20.3
18.7
14.6
(13.9, 15.4)
-4.1*
(-5.4, -2.9)
Metropolitan Area - Balance
13.2
11.9
10.4
(9.9, 11.0)
-1.5*
(-2.2, -0.7)
Not in Metropolitan Area
16.0
13.8
12.2
(11.1, 13.4)
-1.6*
(-3.0, -0.2)
Not Identified
13.9
12.6
10.8
(9.9, 11.8)
-1.8*
(-3.1, -0.5)
Northeast
15.4
13.8
11.5
(10.6, 12.4)
-2.4*
(-3.7, -1.0)
Midwest
13.1
11.4
9.0
(8.4, 9.7)
-2.4*
(-3.4, -1.4)
South
18.4
16.9
14.9
(14.2, 15.7)
-2.0*
(-2.9, -1.1)
West
14.0
12.9
10.0
(9.3, 10.7)
-2.9*
(-4.0, -1.8)
Characteristics
Monthly Income Volatility
Employment Status
Homeownership
Household Type
Citizenship and Place of Birth
Metropolitan Status
Geographic Region
The estimates of nonbank money order use in 2017 and 2015 reported here differ from those published in earlier reports due to a
difference in how nonresponse is handled; see Appendix 1 (FDIC Technical Notes) for details. Asterisk indicates differences that are
statistically significant at the 10 percent level. NA indicates that the sample size is too small to produce a precise estimate.
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 69
D.5 Nonbank Check Cashing Use by Bank Account Ownership and Household Characteristics,
2015–2019
For All Households
2015
(Percent)
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
6.8
6.3
5.5
(5.3, 5.8)
-0.7*
(-1.0, -0.4)
Unbanked
33.7
30.0
31.9
(29.7, 34.1)
1.9
(-1.2, 4.9)
Banked
4.9
4.7
4.0
(3.8, 4.3)
-0.6*
(-0.9, -0.3)
Less Than $15,000
13.2
10.9
11.0
(9.9, 12.2)
0.1
(-1.2, 1.5)
$15,000 to $30,000
9.9
10.6
9.0
(8.1, 9.9)
-1.6*
(-2.8, -0.5)
$30,000 to $50,000
7.1
7.0
7.4
(6.8, 8.1)
0.5
(-0.4, 1.3)
$50,000 to $75,000
5.1
4.8
4.3
(3.7, 4.9)
-0.6
(-1.2, 0.1)
At Least $75,000
3.1
3.0
2.4
(2.1, 2.7)
-0.7*
(-1.1, -0.2)
No High School Diploma
12.4
11.5
14.6
(13.3, 16.1)
3.1*
(1.4, 4.8)
High School Diploma
8.5
8.2
7.1
(6.6, 7.7)
-1.1*
(-1.9, -0.4)
Some College
7.3
6.5
5.8
(5.3, 6.3)
-0.7*
(-1.4, -0.1)
College Degree
3.2
3.2
2.3
(2.0, 2.6)
-1.0*
(-1.4, -0.6)
15 to 24 Years
15.2
11.1
9.8
(8.4, 11.4)
-1.3
(-3.4, 0.7)
25 to 34 Years
9.2
8.0
7.0
(6.3, 7.7)
-1.1*
(-2.1, 0.0)
35 to 44 Years
7.8
7.5
7.0
(6.4, 7.7)
-0.5
(-1.3, 0.4)
45 to 54 Years
6.3
6.1
5.3
(4.8, 5.9)
-0.8
(-1.6, 0.1)
55 to 64 Years
5.5
5.4
4.7
(4.1, 5.3)
-0.7
(-1.4, 0.0)
65 Years or More
3.9
4.1
3.7
(3.3, 4.1)
-0.4
(-0.9, 0.2)
Black
11.3
11.5
9.6
(8.6, 10.7)
-1.9*
(-3.2, -0.7)
Hispanic
11.3
9.9
10.6
(9.7, 11.5)
0.7
(-0.7, 2.0)
Asian
3.8
2.7
2.4
(1.7, 3.3)
-0.4
(-1.4, 0.7)
American Indian or Alaska Native
16.9
16.9
11.4
(8.0, 16.0)
-5.5
(-11.5, 0.5)
Native Hawaiian or Other Pacific
Islander
9.2
3.9
NA
NA
NA
NA
White
5.1
4.6
3.9
(3.7, 4.2)
-0.7*
(-1.0, -0.4)
Two or More Races
9.3
9.7
3.7
(2.2, 6.2)
-6.0*
(-9.2, -2.9)
Disabled, Aged 25 to 64
10.1
9.3
9.3
(8.2, 10.4)
0.0
(-1.4, 1.3)
Not Disabled, Aged 25 to 64
6.7
6.3
5.5
(5.2, 5.8)
-0.8*
(-1.2, -0.3)
Not Applicable (Not Aged 25 to 64)
6.0
5.3
4.6
(4.2, 5.1)
-0.6*
(-1.2, -0.1)
Characteristics
All
Bank Account Ownership
Family Income
Education
Age Group
Race/Ethnicity
Disability Status
70 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
D.5 Nonbank Check Cashing Use by Bank Account Ownership and Household Characteristics,
2015–2019 (continued)
For All Households
2015
(Percent)
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
Income Was About the Same Each
Month
5.6
5.4
4.7
(4.4, 5.0)
-0.6*
(-1.0, -0.3)
Income Varied Somewhat From
Month to Month
10.4
9.0
8.0
(7.4, 8.7)
-1.0*
(-2.0, 0.0)
Income Varied a Lot From Month to
Month
12.5
11.2
10.0
(8.6, 11.7)
-1.2
(-3.5, 1.1)
Employed
6.8
6.3
5.2
(4.9, 5.6)
-1.0*
(-1.5, -0.6)
Unemployed
14.9
14.4
9.6
(7.7, 11.8)
-4.9*
(-7.7, -2.0)
Not in Labor Force
6.1
5.6
5.8
(5.4, 6.3)
0.2
(-0.4, 0.8)
Homeowner
4.4
4.1
3.4
(3.1, 3.6)
-0.8*
(-1.1, -0.4)
Non-Homeowner
11.0
10.0
9.5
(9.0, 10.1)
-0.5
(-1.2, 0.2)
Married Couple
5.1
4.7
4.0
(3.7, 4.4)
-0.7*
(-1.1, -0.3)
Unmarried Female-Headed Family
11.8
12.6
10.0
(9.2, 11.0)
-2.5*
(-3.8, -1.2)
Unmarried Male-Headed Family
11.8
11.2
9.2
(7.9, 10.6)
-2.0
(-4.0, 0.1)
Female Individual
5.4
5.2
5.2
(4.7, 5.8)
0.0
(-0.8, 0.7)
Male Individual
7.9
5.9
6.0
(5.4, 6.6)
0.1
(-0.8, 1.0)
Other
NA
NA
NA
NA
NA
NA
U.S.-Born
6.5
6.0
5.1
(4.9, 5.4)
-0.9*
(-1.2, -0.6)
Foreign-Born Citizen
4.2
5.3
4.8
(4.1, 5.7)
-0.5
(-1.7, 0.8)
Foreign-Born Noncitizen
13.8
10.1
12.2
(11.0, 13.6)
2.1*
(0.2, 4.0)
Metropolitan Area - Principal City
8.2
7.0
6.2
(5.7, 6.7)
-0.8*
(-1.5, -0.1)
Metropolitan Area - Balance
5.7
5.3
4.8
(4.4, 5.1)
-0.6*
(-1.1, -0.1)
Not in Metropolitan Area
7.4
7.6
6.8
(6.0, 7.6)
-0.8
(-1.8, 0.2)
Not Identified
6.7
6.2
5.5
(4.8, 6.3)
-0.7
(-1.6, 0.2)
Northeast
5.4
5.6
4.1
(3.5, 4.7)
-1.5*
(-2.3, -0.7)
Midwest
6.5
5.6
4.8
(4.4, 5.3)
-0.8*
(-1.5, -0.1)
South
7.8
7.1
6.4
(6.0, 6.9)
-0.7*
(-1.3, 0.0)
West
6.5
6.0
5.8
(5.3, 6.5)
-0.2
(-1.0, 0.6)
Characteristics
Monthly Income Volatility
Employment Status
Homeownership
Household Type
Citizenship and Place of Birth
Metropolitan Status
Geographic Region
The estimates of nonbank check cashing use in 2017 and 2015 reported here differ from those published in earlier reports due to a
difference in how nonresponse is handled; see Appendix 1 (FDIC Technical Notes) for details. Asterisk indicates differences that are
statistically significant at the 10 percent level. NA indicates that the sample size is too small to produce a precise estimate.
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 71
D.6 Nonbank International Remittance Use by Bank Account Ownership and Household
Characteristics, 2015–2019
For All Households
2015
(Percent)
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
3.9
3.7
5.5
(5.3, 5.8)
1.9*
(1.5, 2.2)
Unbanked
8.8
6.3
9.4
(8.0, 11.1)
3.1*
(1.2, 5.0)
Banked
3.6
3.5
5.3
(5.1, 5.6)
1.8*
(1.5, 2.2)
Less Than $15,000
3.6
3.8
4.8
(4.0, 5.6)
1.0*
(0.0, 2.0)
$15,000 to $30,000
5.1
5.0
6.3
(5.6, 7.1)
1.3*
(0.4, 2.3)
$30,000 to $50,000
5.0
5.1
7.0
(6.3, 7.8)
2.0*
(1.1, 2.9)
$50,000 to $75,000
3.7
3.5
6.2
(5.6, 6.8)
2.7*
(1.9, 3.4)
At Least $75,000
2.9
2.3
4.4
(4.0, 4.8)
2.1*
(1.6, 2.6)
No High School Diploma
10.2
11.3
14.7
(13.4, 16.0)
3.4*
(1.5, 5.3)
High School Diploma
3.5
3.3
5.5
(5.0, 6.1)
2.2*
(1.5, 2.9)
Some College
2.9
2.5
4.1
(3.6, 4.6)
1.6*
(1.0, 2.2)
College Degree
3.2
2.9
4.5
(4.2, 4.9)
1.7*
(1.1, 2.2)
15 to 24 Years
4.0
3.3
7.1
(5.8, 8.7)
3.8*
(2.3, 5.3)
25 to 34 Years
6.0
4.9
7.2
(6.5, 7.9)
2.3*
(1.4, 3.2)
35 to 44 Years
6.7
6.3
8.5
(7.8, 9.3)
2.2*
(1.2, 3.2)
45 to 54 Years
4.1
4.6
6.6
(6.0, 7.2)
1.9*
(1.1, 2.7)
55 to 64 Years
2.7
2.8
4.4
(3.9, 5.0)
1.6*
(1.0, 2.2)
65 Years or More
1.3
1.1
2.5
(2.1, 2.8)
1.3*
(0.9, 1.7)
Black
4.4
4.4
6.1
(5.3, 7.0)
1.8*
(0.7, 2.8)
Hispanic
15.6
15.6
20.2
(19.1, 21.4)
4.6*
(2.9, 6.3)
Asian
12.4
8.7
13.3
(11.7, 15.0)
4.6*
(2.3, 6.8)
American Indian or Alaska Native
1.7
1.4
0.3
(0.1, 1.3)
-1.1
(-2.3, 0.1)
Native Hawaiian or Other Pacific
Islander
10.1
8.7
NA
NA
NA
NA
White
1.0
0.8
1.7
(1.6, 1.9)
0.9*
(0.7, 1.1)
Two or More Races
1.6
1.1
3.1
(1.6, 5.7)
2.0
(-0.2, 4.1)
Disabled, Aged 25 to 64
1.9
2.4
3.3
(2.7, 4.0)
0.9*
(0.1, 1.8)
Not Disabled, Aged 25 to 64
5.2
4.9
7.0
(6.7, 7.4)
2.1*
(1.6, 2.6)
Not Applicable (Not Aged 25 to 64)
1.8
1.5
3.2
(2.8, 3.6)
1.7*
(1.3, 2.0)
Characteristics
All
Bank Account Ownership
Family Income
Education
Age Group
Race/Ethnicity
Disability Status
72 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
D.6 Nonbank International Remittance Use by Bank Account Ownership and Household
Characteristics, 2015–2019 (continued)
For All Households
2015
(Percent)
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
Income Was About the Same Each
Month
3.3
3.1
4.8
(4.5, 5.1)
1.7*
(1.4, 2.1)
Income Varied Somewhat From
Month to Month
5.9
5.7
7.7
(7.0, 8.4)
1.9*
(1.0, 2.8)
Income Varied a Lot From Month to
Month
6.9
6.2
9.8
(8.2, 11.7)
3.6*
(1.4, 5.8)
Employed
5.0
4.5
6.8
(6.4, 7.1)
2.3*
(1.8, 2.8)
Unemployed
4.4
4.6
8.3
(6.3, 10.8)
3.7*
(1.1, 6.2)
Not in Labor Force
2.0
2.2
3.2
(2.9, 3.5)
1.0*
(0.6, 1.4)
Homeowner
2.4
2.4
3.9
(3.7, 4.2)
1.6*
(1.3, 1.9)
Non-Homeowner
6.5
5.9
8.4
(7.9, 9.0)
2.5*
(1.7, 3.3)
Married Couple
4.6
4.1
6.3
(5.9, 6.7)
2.2*
(1.7, 2.6)
Unmarried Female-Headed Family
5.0
4.5
7.7
(6.7, 8.7)
3.1*
(1.9, 4.4)
Unmarried Male-Headed Family
6.9
6.4
8.3
(7.0, 9.9)
1.9*
(0.1, 3.8)
Female Individual
1.5
1.5
2.8
(2.4, 3.3)
1.3*
(0.8, 1.9)
Male Individual
3.1
3.3
4.3
(3.8, 5.0)
1.0*
(0.2, 1.8)
Other
NA
NA
NA
NA
NA
NA
U.S.-Born
1.1
1.2
2.0
(1.8, 2.2)
0.9*
(0.6, 1.1)
Foreign-Born Citizen
15.6
14.0
20.6
(19.0, 22.3)
6.6*
(4.4, 8.8)
Foreign-Born Noncitizen
26.7
24.7
32.6
(30.6, 34.7)
7.9*
(4.9, 10.8)
Metropolitan Area - Principal City
6.5
5.2
7.9
(7.3, 8.5)
2.6*
(1.8, 3.4)
Metropolitan Area - Balance
3.8
3.7
5.7
(5.3, 6.2)
2.0*
(1.5, 2.6)
Not in Metropolitan Area
1.4
1.4
2.3
(1.9, 2.8)
0.9*
(0.5, 1.4)
Not Identified
1.8
2.4
3.1
(2.6, 3.7)
0.7
(0.0, 1.3)
Northeast
4.6
4.3
6.6
(6.0, 7.3)
2.3*
(1.5, 3.2)
Midwest
2.1
1.8
3.6
(3.1, 4.1)
1.8*
(1.2, 2.3)
South
3.8
3.6
5.3
(4.9, 5.8)
1.7*
(1.2, 2.2)
West
5.3
5.1
7.0
(6.4, 7.6)
1.9*
(1.1, 2.7)
Characteristics
Monthly Income Volatility
Employment Status
Homeownership
Household Type
Citizenship and Place of Birth
Metropolitan Status
Geographic Region
The estimates of nonbank international remittance use in 2017 and 2015 reported here differ from those published in earlier reports
due to a difference in how nonresponse is handled; see Appendix 1 (FDIC Technical Notes) for details. Asterisk indicates differences that
are statistically significant at the 10 percent level. NA indicates that the sample size is too small to produce a precise estimate.
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 73
D.7 Frequency of Nonbank Money Order Use by Bank Account Ownership and Household
Characteristics, 2019
For All Households, Row Percent
Number of
Households
(1000s)
Percent of
Households
Often
(Percent)
Sometimes
(Percent)
Rarely
(Percent)
Did Not Use
(Percent)
131,248
100.0
4.4
2.9
4.6
88.1
7,056
100.0
25.4
10.6
6.3
57.7
124,192
100.0
3.2
2.5
4.5
89.8
Less Than $15,000
14,048
100.0
12.1
5.4
5.5
77.0
$15,000 to $30,000
18,848
100.0
7.6
4.8
5.8
81.8
$30,000 to $50,000
24,694
100.0
6.0
3.9
5.2
84.8
$50,000 to $75,000
23,857
100.0
2.7
2.5
4.4
90.4
At Least $75,000
49,801
100.0
1.0
1.2
3.7
94.0
No High School Diploma
11,392
100.0
12.6
6.2
4.5
76.7
High School Diploma
32,659
100.0
5.9
4.2
4.6
85.4
Some College
37,165
100.0
4.9
2.9
5.1
87.1
College Degree
50,032
100.0
1.3
1.3
4.2
93.2
15 to 24 Years
6,307
100.0
7.4
4.9
7.9
79.8
25 to 34 Years
21,412
100.0
6.4
3.7
6.3
83.6
35 to 44 Years
22,349
100.0
4.7
3.0
5.5
86.9
45 to 54 Years
22,334
100.0
4.4
3.1
5.0
87.5
55 to 64 Years
24,450
100.0
4.2
3.0
3.9
89.0
65 Years or More
34,397
100.0
2.6
1.9
2.6
92.9
Black
16,728
100.0
12.2
7.1
7.9
72.8
Hispanic
18,352
100.0
8.1
5.9
6.8
79.2
Asian
7,007
100.0
1.0
1.9
4.0
93.1
American Indian or Alaska Native
955
100.0
11.1
4.6
5.2
79.0
Native Hawaiian or Other Pacific
Islander
NA
NA
NA
NA
NA
NA
White
86,152
100.0
2.3
1.6
3.5
92.7
Two or More Races
1,769
100.0
5.9
2.1
6.2
85.8
Disabled, Aged 25 to 64
10,668
100.0
9.7
4.9
6.5
78.9
Not Disabled, Aged 25 to 64
79,877
100.0
4.2
2.9
5.0
87.9
Not Applicable (Not Aged 25 to 64)
40,704
100.0
3.3
2.4
3.4
90.9
Characteristics
All
Bank Account Ownership
Unbanked
Banked
Family Income
Education
Age Group
Race/Ethnicity
Disability Status
74 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
D.7 Frequency of Nonbank Money Order Use by Bank Account Ownership and Household
Characteristics, 2019 (continued)
For All Households, Row Percent
Number of
Households
(1000s)
Percent of
Households
Often
(Percent)
Sometimes
(Percent)
Rarely
(Percent)
Did Not Use
(Percent)
Income Was About the Same Each
Month
101,916
100.0
4.1
2.6
4.0
89.3
Income Varied Somewhat From Month
to Month
23,980
100.0
5.5
4.1
6.0
84.5
Income Varied a Lot From Month to
Month
5,353
100.0
6.3
4.0
9.5
80.1
Employed
81,542
100.0
4.1
2.7
5.1
88.1
Unemployed
2,887
100.0
6.7
5.0
6.8
81.5
Not in Labor Force
46,820
100.0
4.8
3.1
3.6
88.5
Homeowner
84,688
100.0
1.7
1.7
3.4
93.2
Non-Homeowner
46,561
100.0
9.3
5.2
6.7
78.8
Married Couple
60,971
100.0
2.4
2.1
3.9
91.6
Unmarried Female-Headed Family
15,233
100.0
9.5
5.0
6.7
78.7
Unmarried Male-Headed Family
6,602
100.0
6.0
4.4
6.4
83.2
Female Individual
24,990
100.0
4.9
2.7
4.3
88.1
Male Individual
23,178
100.0
5.2
3.5
4.9
86.3
NA
NA
NA
NA
NA
NA
U.S.-Born
111,679
100.0
4.2
2.6
4.4
88.7
Foreign-Born Citizen
11,242
100.0
3.4
3.7
4.6
88.3
Foreign-Born Noncitizen
8,327
100.0
8.7
5.9
6.8
78.7
Metropolitan Area - Principal City
38,371
100.0
5.9
3.7
5.0
85.4
Metropolitan Area - Balance
57,182
100.0
3.3
2.5
4.6
89.6
Not in Metropolitan Area
17,112
100.0
5.1
2.8
4.3
87.8
Not Identified
18,583
100.0
4.2
2.7
3.9
89.2
Northeast
22,622
100.0
3.8
2.8
4.9
88.5
Midwest
28,297
100.0
3.5
2.0
3.5
91.0
South
50,328
100.0
5.4
3.9
5.6
85.1
West
30,000
100.0
4.1
2.2
3.6
90.0
Characteristics
Monthly Income Volatility
Employment Status
Homeownership
Household Type
Other
Citizenship and Place of Birth
Metropolitan Status
Geographic Region
NA indicates that the sample size is too small to produce a precise estimate.
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 75
D.8 Frequency of Nonbank Check Cashing Use by Bank Account Ownership and Household
Characteristics, 2019
For All Households, Row Percent
Number of
Households
(1000s)
Percent of
Households
Often
(Percent)
Sometimes
(Percent)
Rarely
(Percent)
Did Not Use
(Percent)
131,248
100.0
1.8
1.9
1.9
94.5
7,056
100.0
17.8
8.5
5.5
68.1
124,192
100.0
0.9
1.5
1.7
96.0
Less Than $15,000
14,048
100.0
4.5
3.5
3.0
89.0
$15,000 to $30,000
18,848
100.0
3.3
2.9
2.8
91.0
$30,000 to $50,000
24,694
100.0
2.4
2.7
2.3
92.6
$50,000 to $75,000
23,857
100.0
1.0
1.4
1.8
95.7
At Least $75,000
49,801
100.0
0.5
0.8
1.1
97.6
No High School Diploma
11,392
100.0
7.2
4.6
2.8
85.4
High School Diploma
32,659
100.0
2.3
2.4
2.5
92.9
Some College
37,165
100.0
1.5
2.1
2.1
94.2
College Degree
50,032
100.0
0.4
0.7
1.2
97.7
15 to 24 Years
6,307
100.0
2.2
4.5
3.1
90.2
25 to 34 Years
21,412
100.0
2.4
2.2
2.4
93.0
35 to 44 Years
22,349
100.0
2.6
2.3
2.1
93.0
45 to 54 Years
22,334
100.0
1.9
1.5
2.0
94.7
55 to 64 Years
24,450
100.0
1.5
1.5
1.7
95.3
65 Years or More
34,397
100.0
0.9
1.4
1.3
96.3
Black
16,728
100.0
3.4
3.4
2.8
90.4
Hispanic
18,352
100.0
4.6
3.6
2.3
89.4
Asian
7,007
100.0
0.7
1.0
0.6
97.6
American Indian or Alaska Native
955
100.0
4.1
3.9
3.4
88.6
Native Hawaiian or Other Pacific
Islander
NA
NA
NA
NA
NA
NA
White
86,152
100.0
0.9
1.2
1.7
96.1
Two or More Races
1,769
100.0
0.1
1.5
2.1
96.3
Disabled, Aged 25 to 64
10,668
100.0
3.1
2.4
3.7
90.7
Not Disabled, Aged 25 to 64
79,877
100.0
1.9
1.8
1.8
94.5
Not Applicable (Not Aged 25 to 64)
40,704
100.0
1.1
1.9
1.6
95.4
Characteristics
All
Bank Account Ownership
Unbanked
Banked
Family Income
Education
Age Group
Race/Ethnicity
Disability Status
76 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
D.8 Frequency of Nonbank Check Cashing Use by Bank Account Ownership and Household
Characteristics, 2019 (continued)
For All Households, Row Percent
Number of
Households
(1000s)
Percent of
Households
Often
(Percent)
Sometimes
(Percent)
Rarely
(Percent)
Did Not Use
(Percent)
Income Was About the Same Each
Month
101,916
100.0
1.5
1.6
1.6
95.3
Income Varied Somewhat From Month
to Month
23,980
100.0
2.5
3.0
2.6
92.0
Income Varied a Lot From Month to
Month
5,353
100.0
3.5
2.6
3.9
90.0
Employed
81,542
100.0
1.7
1.7
1.8
94.8
Unemployed
2,887
100.0
3.7
3.1
2.8
90.4
Not in Labor Force
46,820
100.0
1.8
2.0
2.0
94.2
Homeowner
84,688
100.0
0.8
1.2
1.3
96.6
Non-Homeowner
46,561
100.0
3.5
3.0
3.0
90.5
Married Couple
60,971
100.0
1.2
1.4
1.4
96.0
Unmarried Female-Headed Family
15,233
100.0
3.6
3.2
3.2
90.0
Unmarried Male-Headed Family
6,602
100.0
2.8
3.3
3.1
90.8
Female Individual
24,990
100.0
1.3
1.9
2.0
94.8
Male Individual
23,178
100.0
2.3
1.8
1.9
94.0
NA
NA
NA
NA
NA
NA
U.S.-Born
111,679
100.0
1.5
1.7
1.9
94.9
Foreign-Born Citizen
11,242
100.0
1.4
1.8
1.6
95.2
Foreign-Born Noncitizen
8,327
100.0
6.4
3.9
1.9
87.8
Metropolitan Area - Principal City
38,371
100.0
2.2
2.1
1.8
93.8
Metropolitan Area - Balance
57,182
100.0
1.4
1.7
1.7
95.2
Not in Metropolitan Area
17,112
100.0
2.1
1.9
2.7
93.2
Not Identified
18,583
100.0
1.7
1.7
2.1
94.5
Northeast
22,622
100.0
1.2
1.4
1.4
95.9
Midwest
28,297
100.0
1.8
1.1
1.9
95.2
South
50,328
100.0
1.9
2.5
2.0
93.6
West
30,000
100.0
2.1
1.8
2.0
94.2
Characteristics
Monthly Income Volatility
Employment Status
Homeownership
Household Type
Other
Citizenship and Place of Birth
Metropolitan Status
Geographic Region
NA indicates that the sample size is too small to produce a precise estimate.
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 77
D.9 Frequency of Nonbank International Remittance Use by Bank Account Ownership and
Household Characteristics, 2019
For All Households, Row Percent
Number of
Households
(1000s)
Percent of
Households
Often
(Percent)
Sometimes
(Percent)
Rarely
(Percent)
Did Not Use
(Percent)
131,248
100.0
1.4
2.4
1.7
94.5
7,056
100.0
3.3
4.4
1.7
90.6
124,192
100.0
1.3
2.3
1.7
94.7
Less Than $15,000
14,048
100.0
1.1
2.2
1.4
95.2
$15,000 to $30,000
18,848
100.0
1.6
2.9
1.8
93.7
$30,000 to $50,000
24,694
100.0
2.0
3.2
1.9
93.0
$50,000 to $75,000
23,857
100.0
1.6
2.6
1.9
93.8
At Least $75,000
49,801
100.0
1.1
1.7
1.6
95.6
No High School Diploma
11,392
100.0
4.4
7.7
2.6
85.3
High School Diploma
32,659
100.0
1.6
2.5
1.5
94.5
Some College
37,165
100.0
1.0
1.8
1.4
95.9
College Degree
50,032
100.0
1.0
1.6
1.9
95.5
15 to 24 Years
6,307
100.0
1.8
3.3
1.9
92.9
25 to 34 Years
21,412
100.0
1.7
2.8
2.7
92.8
35 to 44 Years
22,349
100.0
2.0
3.9
2.5
91.5
45 to 54 Years
22,334
100.0
1.7
3.2
1.6
93.4
55 to 64 Years
24,450
100.0
1.5
1.6
1.4
95.6
65 Years or More
34,397
100.0
0.6
1.0
0.9
97.5
Black
16,728
100.0
1.7
2.8
1.7
93.9
Hispanic
18,352
100.0
5.9
9.4
5.0
79.8
Asian
7,007
100.0
3.5
5.7
4.0
86.7
American Indian or Alaska Native
955
100.0
–
–
0.3
99.7
Native Hawaiian or Other Pacific
Islander
NA
NA
NA
NA
NA
NA
White
86,152
100.0
0.3
0.6
0.9
98.3
Two or More Races
1,769
100.0
–
1.9
1.2
96.9
Disabled, Aged 25 to 64
10,668
100.0
0.9
1.3
1.2
96.7
Not Disabled, Aged 25 to 64
79,877
100.0
1.8
3.1
2.1
93.0
Not Applicable (Not Aged 25 to 64)
40,704
100.0
0.8
1.4
1.0
96.8
Characteristics
All
Bank Account Ownership
Unbanked
Banked
Family Income
Education
Age Group
Race/Ethnicity
Disability Status
78 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
D.9 Frequency of Nonbank International Remittance Use by Bank Account Ownership and
Household Characteristics, 2019 (continued)
For All Households, Row Percent
Number of
Households
(1000s)
Percent of
Households
Often
(Percent)
Sometimes
(Percent)
Rarely
(Percent)
Did Not Use
(Percent)
Income Was About the Same Each
Month
101,916
100.0
1.2
2.1
1.5
95.2
Income Varied Somewhat From Month
to Month
23,980
100.0
2.2
3.2
2.2
92.3
Income Varied a Lot From Month to
Month
5,353
100.0
1.6
4.6
3.6
90.2
Employed
81,542
100.0
1.8
2.9
2.0
93.2
Unemployed
2,887
100.0
1.6
3.5
3.2
91.7
Not in Labor Force
46,820
100.0
0.7
1.4
1.1
96.8
Homeowner
84,688
100.0
0.9
1.8
1.3
96.1
Non-Homeowner
46,561
100.0
2.4
3.5
2.5
91.6
Married Couple
60,971
100.0
1.6
2.9
1.8
93.7
Unmarried Female-Headed Family
15,233
100.0
1.4
3.2
3.0
92.3
Unmarried Male-Headed Family
6,602
100.0
2.3
3.4
2.6
91.7
Female Individual
24,990
100.0
0.7
1.2
0.9
97.2
Male Individual
23,178
100.0
1.6
1.6
1.2
95.7
NA
NA
NA
NA
NA
NA
U.S.-Born
111,679
100.0
0.3
0.8
0.9
98.0
Foreign-Born Citizen
11,242
100.0
5.2
9.4
5.9
79.4
Foreign-Born Noncitizen
8,327
100.0
10.9
14.5
7.2
67.4
Metropolitan Area - Principal City
38,371
100.0
2.2
3.4
2.3
92.1
Metropolitan Area - Balance
57,182
100.0
1.4
2.5
1.9
94.3
Not in Metropolitan Area
17,112
100.0
0.5
1.1
0.7
97.7
Not Identified
18,583
100.0
0.8
1.4
0.9
96.9
Northeast
22,622
100.0
1.6
3.2
1.8
93.4
Midwest
28,297
100.0
0.8
1.5
1.3
96.4
South
50,328
100.0
1.5
2.3
1.5
94.7
West
30,000
100.0
1.8
2.8
2.3
93.0
Characteristics
Monthly Income Volatility
Employment Status
Homeownership
Household Type
Other
Citizenship and Place of Birth
Metropolitan Status
Geographic Region
NA indicates that the sample size is too small to produce a precise estimate. The dash symbol indicates an estimate of zero; the
population proportion may be slightly greater than zero.
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 79
D.10 Frequency of Nonbank Bill Payment Service Use by Bank Account Ownership and Household
Characteristics, 2019
For All Households, Row Percent
Number of
Households
(1000s)
Percent of
Households
Often
(Percent)
Sometimes
(Percent)
Rarely
(Percent)
Did Not Use
(Percent)
131,248
100.0
1.8
1.7
1.4
95.1
7,056
100.0
7.1
5.3
2.1
85.6
124,192
100.0
1.5
1.5
1.4
95.6
Less Than $15,000
14,048
100.0
2.7
2.5
1.4
93.4
$15,000 to $30,000
18,848
100.0
2.4
2.7
1.5
93.4
$30,000 to $50,000
24,694
100.0
2.7
2.1
1.8
93.4
$50,000 to $75,000
23,857
100.0
1.8
1.7
1.6
94.9
At Least $75,000
49,801
100.0
0.9
0.9
1.0
97.2
No High School Diploma
11,392
100.0
4.4
3.8
1.6
90.2
High School Diploma
32,659
100.0
2.1
2.0
1.5
94.4
Some College
37,165
100.0
1.9
1.7
1.5
94.8
College Degree
50,032
100.0
0.9
1.0
1.2
96.9
15 to 24 Years
6,307
100.0
4.2
4.3
2.0
89.5
25 to 34 Years
21,412
100.0
2.8
2.4
2.3
92.5
35 to 44 Years
22,349
100.0
2.0
2.1
1.6
94.3
45 to 54 Years
22,334
100.0
1.9
1.8
1.4
94.9
55 to 64 Years
24,450
100.0
1.7
1.1
1.4
95.8
65 Years or More
34,397
100.0
0.6
0.9
0.6
97.9
Black
16,728
100.0
3.7
3.3
2.2
90.7
Hispanic
18,352
100.0
3.6
4.4
2.5
89.4
Asian
7,007
100.0
1.1
1.8
1.8
95.2
American Indian or Alaska Native
955
100.0
3.4
2.8
4.3
89.5
Native Hawaiian or Other Pacific
Islander
NA
NA
NA
NA
NA
NA
White
86,152
100.0
1.1
0.8
0.9
97.2
Two or More Races
1,769
100.0
1.7
1.9
0.6
95.7
Disabled, Aged 25 to 64
10,668
100.0
2.7
2.1
1.7
93.5
Not Disabled, Aged 25 to 64
79,877
100.0
2.0
1.8
1.7
94.5
Not Applicable (Not Aged 25 to 64)
40,704
100.0
1.1
1.4
0.8
96.6
Characteristics
All
Bank Account Ownership
Unbanked
Banked
Family Income
Education
Age Group
Race/Ethnicity
Disability Status
80 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
D.10 Frequency of Nonbank Bill Payment Service Use by Bank Account Ownership and Household
Characteristics, 2019 (continued)
For All Households, Row Percent
Number of
Households
(1000s)
Percent of
Households
Often
(Percent)
Sometimes
(Percent)
Rarely
(Percent)
Did Not Use
(Percent)
Income Was About the Same Each
Month
101,916
100.0
1.5
1.4
1.3
95.8
Income Varied Somewhat From Month
to Month
23,980
100.0
2.9
2.3
1.7
93.1
Income Varied a Lot From Month to
Month
5,353
100.0
2.4
3.7
2.3
91.6
Employed
81,542
100.0
2.1
1.9
1.6
94.5
Unemployed
2,887
100.0
2.9
1.8
1.9
93.5
Not in Labor Force
46,820
100.0
1.3
1.4
1.0
96.3
Homeowner
84,688
100.0
1.0
1.1
0.9
96.9
Non-Homeowner
46,561
100.0
3.2
2.8
2.3
91.8
Married Couple
60,971
100.0
1.5
1.4
1.3
95.9
Unmarried Female-Headed Family
15,233
100.0
2.9
3.0
2.1
92.1
Unmarried Male-Headed Family
6,602
100.0
3.1
3.2
2.5
91.2
Female Individual
24,990
100.0
1.4
1.4
0.9
96.2
Male Individual
23,178
100.0
2.1
1.6
1.5
94.8
NA
NA
NA
NA
NA
NA
U.S.-Born
111,679
100.0
1.5
1.2
1.2
96.0
Foreign-Born Citizen
11,242
100.0
2.3
3.4
2.2
92.1
Foreign-Born Noncitizen
8,327
100.0
4.7
5.5
2.7
87.1
Metropolitan Area - Principal City
38,371
100.0
2.1
2.3
1.7
93.8
Metropolitan Area - Balance
57,182
100.0
1.5
1.6
1.3
95.6
Not in Metropolitan Area
17,112
100.0
1.7
1.0
1.1
96.2
Not Identified
18,583
100.0
2.1
1.4
1.4
95.1
Northeast
22,622
100.0
1.8
2.0
1.5
94.7
Midwest
28,297
100.0
1.7
1.2
1.1
96.1
South
50,328
100.0
1.7
2.0
1.6
94.7
West
30,000
100.0
2.0
1.4
1.4
95.2
Characteristics
Monthly Income Volatility
Employment Status
Homeownership
Household Type
Other
Citizenship and Place of Birth
Metropolitan Status
Geographic Region
NA indicates that the sample size is too small to produce a precise estimate.
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 81
E.1 Specific Bank Credit Product Use by Bank Account Ownership and Household
Characteristics, 2019
For All Households, Row Percent
Number of
Households
(1000s)
Percent of
Households
Credit Card
(Percent)
Bank
Personal
Loan
(Percent)
Memo:
Bank Credit
(Percent)
131,248
100.0
71.3
10.8
72.5
7,056
100.0
8.0
1.0
8.5
124,192
100.0
74.9
11.3
76.1
Less Than $15,000
14,048
100.0
35.6
4.1
37.0
$15,000 to $30,000
18,848
100.0
50.4
6.4
52.0
$30,000 to $50,000
24,694
100.0
65.3
9.2
66.9
$50,000 to $75,000
23,857
100.0
77.7
12.1
79.0
At Least $75,000
49,801
100.0
89.2
14.5
89.9
No High School Diploma
11,392
100.0
35.5
6.1
37.1
High School Diploma
32,659
100.0
60.3
9.1
61.7
Some College
37,165
100.0
71.1
11.3
72.5
College Degree
50,032
100.0
86.8
12.6
87.5
15 to 24 Years
6,307
100.0
58.9
9.9
60.9
25 to 34 Years
21,412
100.0
70.7
11.7
72.1
35 to 44 Years
22,349
100.0
72.1
11.4
73.2
45 to 54 Years
22,334
100.0
73.0
12.7
74.3
55 to 64 Years
24,450
100.0
72.4
11.6
73.5
65 Years or More
34,397
100.0
71.6
8.2
72.5
Black
16,728
100.0
51.0
7.5
52.5
Hispanic
18,352
100.0
57.6
8.3
58.6
Asian
7,007
100.0
82.9
9.7
83.4
American Indian or Alaska Native
955
100.0
52.1
16.8
54.4
Native Hawaiian or Other Pacific Islander
NA
NA
NA
NA
NA
White
86,152
100.0
77.5
11.9
78.7
Two or More Races
1,769
100.0
68.0
13.1
69.3
Disabled, Aged 25 to 64
10,668
100.0
47.5
9.3
49.2
Not Disabled, Aged 25 to 64
79,877
100.0
75.3
12.2
76.5
Not Applicable (Not Aged 25 to 64)
40,704
100.0
69.7
8.4
70.7
Characteristics
All
Bank Account Ownership
Unbanked
Banked
Family Income
Education
Age Group
Race/Ethnicity
Disability Status
82 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
E.1 Specific Bank Credit Product Use by Bank Account Ownership and Household
Characteristics, 2019 (continued)
For All Households, Row Percent
Number of
Households
(1000s)
Percent of
Households
Credit Card
(Percent)
Bank
Personal
Loan
(Percent)
Memo:
Bank Credit
(Percent)
Income Was About the Same Each Month
101,916
100.0
71.9
10.3
73.0
Income Varied Somewhat From Month to Month
23,980
100.0
70.0
12.2
71.4
Income Varied a Lot From Month to Month
5,353
100.0
66.4
14.1
68.0
Employed
81,542
100.0
76.2
12.6
77.4
Unemployed
2,887
100.0
58.7
10.4
59.6
Not in Labor Force
46,820
100.0
63.6
7.7
64.7
Homeowner
84,688
100.0
80.1
12.6
81.2
Non-Homeowner
46,561
100.0
55.4
7.5
56.6
Married Couple
60,971
100.0
80.8
12.9
81.8
Unmarried Female-Headed Family
15,233
100.0
56.2
9.4
58.1
Unmarried Male-Headed Family
6,602
100.0
62.5
11.4
64.1
Female Individual
24,990
100.0
67.1
7.6
68.1
Male Individual
23,178
100.0
63.7
9.4
65.0
NA
NA
NA
NA
NA
U.S.-Born
111,679
100.0
72.4
11.2
73.6
Foreign-Born Citizen
11,242
100.0
70.0
8.7
70.9
Foreign-Born Noncitizen
8,327
100.0
58.9
7.7
59.7
Metropolitan Area - Principal City
38,371
100.0
68.5
9.1
69.2
Metropolitan Area - Balance
57,182
100.0
76.3
11.4
77.3
Not in Metropolitan Area
17,112
100.0
62.2
11.5
64.6
Not Identified
18,583
100.0
70.1
11.9
71.5
Northeast
22,622
100.0
75.3
10.8
76.0
Midwest
28,297
100.0
73.9
12.3
75.4
South
50,328
100.0
65.9
10.1
67.2
West
30,000
100.0
75.0
10.7
75.9
Characteristics
Monthly Income Volatility
Employment Status
Homeownership
Household Type
Other
Citizenship and Place of Birth
Metropolitan Status
Geographic Region
Bank credit includes Visa, MasterCard, American Express, or Discover credit cards (i.e., credit cards) and personal loans or lines of credit
from a bank (i.e., bank personal loans). NA indicates that the sample size is too small to produce a precise estimate.
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 83
E.2 Specific Bank Credit Product Use by State, 2019
For All Households, Row Percent
Number of
Households
(1000s)
Percent of
Households
Credit Card
(Percent)
Bank
Personal Loan
(Percent)
Memo:
Bank Credit
(Percent)
131,248
100.0
71.3
10.8
72.5
AL
2,062
100.0
61.3
11.7
63.6
AK
277
100.0
80.9
13.6
81.8
AZ
2,900
100.0
72.4
10.1
73.7
AR
1,201
100.0
59.4
8.6
60.7
CA
14,325
100.0
73.6
8.7
74.2
CO
2,449
100.0
83.5
14.7
84.7
CT
1,524
100.0
74.9
13.2
75.7
DE
440
100.0
76.5
15.9
77.7
DC
363
100.0
73.0
7.6
73.2
FL
9,139
100.0
69.6
7.4
70.4
GA
4,144
100.0
66.6
9.9
67.5
HI
502
100.0
80.8
17.1
82.0
ID
702
100.0
68.1
14.0
70.2
IL
5,364
100.0
72.8
10.0
73.7
IN
2,765
100.0
70.7
9.6
72.9
IA
1,320
100.0
73.4
16.8
76.7
KS
1,141
100.0
65.0
11.2
66.5
KY
1,838
100.0
58.9
9.8
60.7
LA
1,945
100.0
56.7
10.1
58.1
ME
604
100.0
77.0
15.5
78.8
MD
2,379
100.0
78.7
14.4
80.0
MA
2,809
100.0
80.5
10.1
81.1
MI
4,220
100.0
71.2
10.7
73.4
MN
2,407
100.0
83.9
20.5
85.0
MS
1,199
100.0
49.5
11.1
52.4
MO
2,516
100.0
73.3
12.1
75.3
MT
460
100.0
72.5
10.8
73.5
NE
742
100.0
71.6
12.1
73.6
NV
1,350
100.0
72.2
8.4
73.4
NH
545
100.0
84.3
9.0
85.3
NJ
3,317
100.0
78.3
9.5
78.6
NM
829
100.0
67.0
8.5
67.6
NY
7,879
100.0
71.0
9.8
71.7
NC
4,369
100.0
64.2
10.4
66.0
ND
308
100.0
76.1
16.2
77.3
Geography
All
State
84 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
E.2 Specific Bank Credit Product Use by State, 2019 (continued)
For All Households, Row Percent
Number of
Households
(1000s)
Percent of
Households
Credit Card
(Percent)
Bank
Personal Loan
(Percent)
Memo:
Bank Credit
(Percent)
OH
4,653
100.0
74.8
11.8
75.3
OK
1,612
100.0
60.3
11.1
62.4
OR
1,825
100.0
78.3
12.8
79.1
PA
5,245
100.0
75.3
12.4
76.1
RI
441
100.0
79.9
8.3
80.7
SC
2,081
100.0
68.3
10.6
70.2
SD
354
100.0
70.3
18.2
73.6
TN
2,781
100.0
57.8
8.4
59.6
TX
10,395
100.0
64.7
10.1
66.1
UT
1,098
100.0
83.7
18.9
85.2
VT
259
100.0
82.9
12.8
83.6
VA
3,619
100.0
77.7
12.9
78.3
WA
3,043
100.0
76.9
12.1
78.1
WV
761
100.0
59.7
9.5
61.0
WI
2,508
100.0
78.5
12.6
79.6
WY
241
100.0
67.1
13.9
69.6
Geography
Bank credit includes Visa, MasterCard, American Express, or Discover credit cards (i.e., credit cards) and personal loans or lines of credit
from a bank (i.e., bank personal loans).
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 85
E.3 Specific Bank Credit Product Use by MSA, 2019
For All Households, Row Percent
Number of
Households
(1000s)
Percent of
Households
Credit Card
(Percent)
Bank
Personal
Loan
(Percent)
Memo:
Bank Credit
(Percent)
131,248
100.0
71.3
10.8
72.5
398
100.0
76.1
8.5
76.8
2,420
100.0
74.6
10.2
75.6
719
100.0
78.6
13.9
79.4
1,024
100.0
72.0
16.8
74.2
Baton Rouge, LA
359
100.0
63.1
11.7
64.3
Birmingham-Hoover, AL
453
100.0
55.1
10.7
58.5
Boise City, ID
278
100.0
70.9
16.6
72.1
1,987
100.0
82.6
10.2
83.2
Burlington-South Burlington, VT~
83
100.0
90.6
14.7
90.6
Charleston, WV~
113
100.0
65.2
9.3
66.0
Charlotte-Concord-Gastonia, NC-SC~
1,065
100.0
70.3
14.5
72.7
Chicago-Naperville-Elgin, IL-IN-WI
3,978
100.0
76.2
8.3
76.5
Cincinnati, OH-KY-IN~
727
100.0
69.3
13.5
70.4
Cleveland-Elyria, OH
839
100.0
82.8
10.5
82.8
Columbus, OH~
943
100.0
74.8
15.4
75.9
Dallas-Fort Worth-Arlington, TX~
2,929
100.0
68.5
8.4
69.4
Denver-Aurora-Lakewood, CO
1,342
100.0
85.6
9.3
86.2
Detroit-Warren-Dearborn, MI
1,822
100.0
68.0
10.7
69.7
Fargo, ND-MN
80
100.0
78.7
14.7
79.5
Hartford-West Hartford-East Hartford, CT~
593
100.0
66.8
8.3
68.0
Houston-The Woodlands-Sugar Land, TX~
2,474
100.0
64.6
9.1
64.8
Indianapolis-Carmel-Anderson, IN~
961
100.0
74.4
8.4
75.1
Jackson, MS~
241
100.0
57.9
5.2
58.5
Kansas City, MO-KS~
785
100.0
76.0
9.4
76.3
1,031
100.0
72.6
8.7
73.9
347
100.0
64.3
7.4
65.2
4,661
100.0
74.2
7.6
74.7
Louisville/Jefferson County, KY-IN~
587
100.0
61.9
12.5
65.8
Manchester-Nashua, NH~
158
100.0
83.9
7.3
83.9
Memphis, TN-MS-AR~
608
100.0
46.5
3.5
46.5
2,827
100.0
64.5
7.3
65.2
665
100.0
79.6
14.2
80.8
1,517
100.0
85.2
19.0
86.0
756
100.0
63.8
11.3
65.9
Geography
All
MSA
Albuquerque, NM
Atlanta-Sandy Springs-Roswell, GA~
Austin-Round Rock, TX
Baltimore-Columbia-Towson, MD
Boston-Cambridge-Newton, MA-NH~
Las Vegas-Henderson-Paradise, NV
Little Rock-North Little Rock-Conway, AR
Los Angeles-Long Beach-Anaheim, CA
Miami-Fort Lauderdale-West Palm Beach, FL
Milwaukee-Waukesha-West Allis, WI
Minneapolis-St. Paul-Bloomington, MN-WI~
Nashville-Davidson-Murfreesboro-Franklin, TN~
86 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
E.3 Specific Bank Credit Product Use by MSA, 2019 (continued)
For All Households, Row Percent
Number of
Households
(1000s)
Percent of
Households
Credit Card
(Percent)
Bank
Personal
Loan
(Percent)
Memo:
Bank Credit
(Percent)
551
100.0
61.4
10.3
61.9
7,751
100.0
71.6
7.4
71.9
Oklahoma City, OK
592
100.0
67.3
7.9
68.3
Omaha-Council Bluffs, NE-IA
417
100.0
76.7
12.3
79.0
Orlando-Kissimmee-Sanford, FL
1,042
100.0
72.4
6.3
73.1
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
2,381
100.0
79.2
12.9
79.8
Phoenix-Mesa-Scottsdale, AZ
2,031
100.0
74.8
10.3
76.3
Pittsburgh, PA
1,132
100.0
72.3
10.2
72.3
251
100.0
83.3
15.2
84.6
1,058
100.0
81.3
13.3
82.0
610
100.0
79.0
9.4
79.6
1,686
100.0
58.3
5.9
59.0
908
100.0
86.0
7.9
86.5
1,356
100.0
78.4
16.4
79.5
423
100.0
86.6
20.6
87.4
San Antonio-New Braunfels, TX
1,024
100.0
66.5
13.3
69.9
San Diego-Carlsbad, CA
1,243
100.0
71.8
8.5
71.8
San Francisco-Oakland-Hayward, CA
1,712
100.0
86.1
7.9
86.7
San Jose-Sunnyvale-Santa Clara, CA
761
100.0
87.0
16.0
88.6
1,661
100.0
80.7
11.7
81.3
115
100.0
74.3
19.3
78.2
1,416
100.0
73.2
5.2
73.7
Tucson, AZ
444
100.0
71.7
10.3
72.7
Tulsa, OK
442
100.0
66.1
12.2
66.8
Urban Honolulu, HI
375
100.0
83.3
16.1
84.5
Virginia Beach-Norfolk-Newport News, VA-NC~
715
100.0
80.3
7.9
80.3
Washington-Arlington-Alexandria, DC-VA-MDWV~
2,608
100.0
86.0
12.7
86.2
Wichita, KS~
292
100.0
62.7
10.5
64.6
Worcester, MA-CT~
423
100.0
82.6
3.2
82.6
Geography
New Orleans-Metairie, LA~
New York-Newark-Jersey City, NY-NJ-PA~
Portland-South Portland, ME~
Portland-Vancouver-Hillsboro, OR-WA
Providence-Warwick, RI-MA~
Riverside-San Bernardino-Ontario, CA
Sacramento-Roseville-Arden-Arcade, CA
St. Louis, MO-IL~
Salt Lake City, UT~
Seattle-Tacoma-Bellevue, WA
Sioux Falls, SD
Tampa-St. Petersburg-Clearwater, FL
Bank credit includes Visa, MasterCard, American Express, or Discover credit cards (i.e., credit cards) and personal loans or lines of credit
from a bank (i.e., bank personal loans). The tilde symbol indicates areas with geographic boundary changes between the 2013 and 2015
surveys; see Appendix 1 (FDIC Technical Notes) for details.
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 87
E.4 Specific Nonbank Credit Product Use by Bank Account Ownership and Household
Characteristics, 2019
For All Households, Row Percent
Characteristics
All
Number of
Pawn
Payday
Percent of
Households
Shop Loan
Loan
Households
(1000s)
(Percent) (Percent)
Tax Refund
RentAnticipaTo-Own
tion Loan
Service
(Percent) (Percent)
Auto Title
Loan
(Percent)
Memo:
Nonbank
Credit
(Percent)
131,248
100.0
1.3
1.5
0.8
1.2
0.9
4.8
7,056
100.0
5.6
2.6
2.5
4.0
1.8
13.4
124,192
100.0
1.1
1.5
0.7
1.1
0.8
4.3
Less Than $15,000
14,048
100.0
3.1
1.7
1.4
2.2
1.1
7.9
$15,000 to $30,000
18,848
100.0
2.0
2.1
1.1
1.9
1.0
6.7
$30,000 to $50,000
24,694
100.0
1.7
2.4
1.4
1.9
0.8
6.8
$50,000 to $75,000
23,857
100.0
1.1
1.5
0.9
1.2
1.0
4.7
At Least $75,000
49,801
100.0
0.4
0.8
0.3
0.4
0.7
2.3
No High School Diploma
11,392
100.0
2.4
2.5
1.2
3.3
1.5
9.0
High School Diploma
32,659
100.0
1.7
1.9
1.1
1.5
1.0
6.0
Some College
37,165
100.0
1.6
1.8
1.0
1.5
0.9
5.6
College Degree
50,032
100.0
0.6
0.9
0.4
0.4
0.7
2.4
15 to 24 Years
6,307
100.0
1.5
2.0
1.7
1.7
1.1
6.8
25 to 34 Years
21,412
100.0
1.8
2.0
1.3
1.7
1.1
6.9
35 to 44 Years
22,349
100.0
1.3
1.7
1.3
2.2
1.0
6.1
45 to 54 Years
22,334
100.0
1.6
1.8
0.8
1.2
1.2
5.5
55 to 64 Years
24,450
100.0
1.4
1.5
0.5
0.9
0.8
4.3
65 Years or More
34,397
100.0
0.7
0.8
0.3
0.4
0.5
2.2
Black
16,728
100.0
2.3
3.7
1.6
1.8
1.4
8.8
Hispanic
18,352
100.0
2.6
2.0
1.1
2.1
1.3
7.5
Asian
7,007
100.0
0.4
0.6
0.3
0.3
0.9
2.5
American Indian or Alaska
Native
955
100.0
4.7
1.8
2.2
0.7
1.2
9.2
Native Hawaiian or Other
Pacific Islander
NA
NA
NA
NA
NA
NA
NA
NA
White
86,152
100.0
0.8
1.1
0.6
1.0
0.7
3.6
Two or More Races
1,769
100.0
2.7
1.4
1.5
1.0
0.3
5.4
Disabled, Aged 25 to 64
10,668
100.0
3.9
3.2
1.1
3.6
1.3
10.6
Not Disabled, Aged 25 to 64
79,877
100.0
1.2
1.6
0.9
1.2
1.0
5.0
Not Applicable (Not Aged
25 to 64)
40,704
100.0
0.8
1.0
0.5
0.6
0.6
2.9
Bank Account Ownership
Unbanked
Banked
Family Income
Education
Age Group
Race/Ethnicity
Disability Status
88 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
E.4 Specific Nonbank Credit Product Use by Bank Account Ownership and Household
Characteristics, 2019 (continued)
For All Households, Row Percent
Characteristics
Number of
Pawn
Payday
Percent of
Households
Shop Loan
Loan
Households
(1000s)
(Percent) (Percent)
Tax Refund
RentAnticipaTo-Own
tion Loan
Service
(Percent) (Percent)
Auto Title
Loan
(Percent)
Memo:
Nonbank
Credit
(Percent)
Monthly Income Volatility
Income Was About the
Same Each Month
101,916
100.0
1.0
1.3
0.6
1.0
0.7
4.1
Income Varied Somewhat
From Month to Month
23,980
100.0
1.7
2.2
1.6
1.8
1.4
7.1
Income Varied a Lot From
Month to Month
5,353
100.0
4.4
2.7
1.2
1.6
1.6
8.8
Employed
81,542
100.0
1.0
1.6
1.0
1.2
1.0
4.9
Unemployed
2,887
100.0
5.2
1.3
0.6
1.5
1.1
8.4
Not in Labor Force
46,820
100.0
1.5
1.4
0.5
1.3
0.7
4.5
Homeowner
84,688
100.0
0.8
0.9
0.4
0.6
0.7
3.0
Non-Homeowner
46,561
100.0
2.2
2.6
1.5
2.3
1.1
8.1
Married Couple
60,971
100.0
0.9
1.0
0.6
0.9
0.8
3.6
Unmarried FemaleHeaded Family
15,233
100.0
2.5
3.0
1.9
2.8
1.2
9.2
Unmarried Male-Headed
Family
6,602
100.0
2.1
2.1
1.6
2.0
1.5
7.5
Female Individual
24,990
100.0
1.0
1.6
0.7
0.9
0.7
4.2
Male Individual
23,178
100.0
1.6
1.7
0.5
1.0
1.0
5.0
NA
NA
NA
NA
NA
NA
NA
NA
U.S.-Born
111,679
100.0
1.3
1.5
0.8
1.2
0.9
4.9
Foreign-Born Citizen
11,242
100.0
1.2
1.4
0.6
0.6
0.9
3.5
Foreign-Born Noncitizen
8,327
100.0
1.7
1.6
1.1
1.6
1.1
6.1
Metropolitan Area Principal City
38,371
100.0
1.7
1.7
0.7
0.9
0.9
4.9
Metropolitan Area - Balance
57,182
100.0
1.0
1.5
0.7
0.9
0.8
4.1
Not in Metropolitan Area
17,112
100.0
1.3
1.6
1.1
2.2
1.3
6.3
Not Identified
18,583
100.0
1.6
1.3
1.2
1.7
0.9
5.6
Northeast
22,622
100.0
0.5
0.6
0.4
0.8
0.6
2.6
Midwest
28,297
100.0
1.1
1.7
0.8
1.3
0.9
5.0
South
50,328
100.0
1.9
2.0
1.1
1.6
1.1
6.3
West
30,000
100.0
1.2
1.3
0.6
0.8
0.8
3.9
Employment Status
Homeownership
Household Type
Other
Citizenship and Place
of Birth
Metropolitan Status
Geographic Region
Nonbank credit includes pawn shop loans, payday loans, tax refund anticipation loans, rent-to-own services, and auto title loans.
NA indicates that the sample size is too small to produce a precise estimate.
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 89
E.5 Specific Nonbank Credit Product Use by State, 2019
For All Households, Row Percent
Geography
All
Number of
Pawn
Payday
Percent of
Households
Shop Loan
Loan
Households
(1000s)
(Percent) (Percent)
Tax Refund
RentAnticipaTo-Own
tion Loan
Service
(Percent) (Percent)
Auto Title
Loan
(Percent)
Memo:
Nonbank
Credit
(Percent)
131,248
100.0
1.3
1.5
0.8
1.2
0.9
4.8
AL
2,062
100.0
2.3
2.6
0.8
1.6
1.9
7.3
AK
277
100.0
2.1
1.0
0.8
0.6
1.8
5.8
AZ
2,900
100.0
1.6
0.4
1.0
0.6
1.5
3.9
AR
1,201
100.0
2.9
0.7
2.3
3.4
0.9
9.3
CA
14,325
100.0
0.7
0.9
0.5
0.7
0.4
2.8
CO
2,449
100.0
0.8
0.3
0.4
–
0.4
2.0
CT
1,524
100.0
0.3
0.6
0.5
–
1.3
2.7
DE
440
100.0
0.6
0.8
1.6
1.0
1.4
4.6
DC
363
100.0
0.8
0.2
0.2
1.2
0.4
2.5
FL
9,139
100.0
1.9
3.6
1.4
1.5
0.8
7.4
GA
4,144
100.0
1.5
1.1
0.9
0.8
0.8
4.8
HI
502
100.0
0.2
0.6
1.5
0.3
0.7
3.3
ID
702
100.0
0.3
1.1
0.5
1.4
1.7
4.7
IL
5,364
100.0
1.5
1.7
1.3
1.6
1.1
5.4
IN
2,765
100.0
1.3
1.7
1.0
1.9
1.0
6.0
IA
1,320
100.0
0.7
1.2
0.2
0.9
0.9
3.6
KS
1,141
100.0
1.3
1.8
0.9
1.6
0.2
4.8
KY
1,838
100.0
2.9
1.7
0.5
1.9
2.0
6.9
LA
1,945
100.0
2.1
2.6
0.8
1.6
1.2
7.1
ME
604
100.0
0.7
0.3
0.9
2.1
0.3
4.2
MD
2,379
100.0
2.2
1.1
0.8
0.3
0.2
4.6
MA
2,809
100.0
0.3
0.8
0.8
0.8
2.0
4.0
MI
4,220
100.0
0.8
2.4
1.3
1.1
0.5
5.6
MN
2,407
100.0
1.3
1.7
0.5
–
0.8
4.1
MS
1,199
100.0
1.5
2.8
2.4
2.1
1.5
8.0
MO
2,516
100.0
0.8
1.9
0.4
1.8
0.5
4.8
MT
460
100.0
2.9
0.2
0.1
1.1
0.9
4.0
NE
742
100.0
2.3
1.9
0.3
1.2
1.2
5.4
NV
1,350
100.0
3.9
5.7
1.1
1.1
2.3
10.7
NH
545
100.0
–
0.2
–
1.0
1.2
2.4
NJ
3,317
100.0
0.3
0.6
0.3
0.6
0.1
1.9
NM
829
100.0
2.8
2.0
1.8
3.0
2.6
9.4
NY
7,879
100.0
0.4
0.7
0.7
0.6
0.5
2.2
NC
4,369
100.0
1.8
0.9
1.3
2.1
0.5
5.1
ND
308
100.0
1.5
1.3
0.9
1.8
2.9
7.2
State
90 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
E.5 Specific Nonbank Credit Product Use by State, 2019 (continued)
For All Households, Row Percent
Geography
Number of
Pawn
Payday
Percent of
Households
Shop Loan
Loan
Households
(1000s)
(Percent) (Percent)
Tax Refund
RentAnticipaTo-Own
tion Loan
Service
(Percent) (Percent)
Auto Title
Loan
(Percent)
Memo:
Nonbank
Credit
(Percent)
OH
4,653
100.0
0.9
1.7
0.5
1.7
1.7
5.5
OK
1,612
100.0
3.2
2.3
2.2
1.7
1.3
9.5
OR
1,825
100.0
1.9
2.7
0.7
1.2
0.7
5.6
PA
5,245
100.0
0.8
0.4
–
1.2
0.3
2.6
RI
441
100.0
0.3
1.0
0.6
1.1
0.5
2.7
SC
2,081
100.0
1.7
1.0
1.0
1.9
1.2
5.6
SD
354
100.0
2.1
0.2
2.2
2.3
1.4
6.6
TN
2,781
100.0
1.0
1.8
1.7
2.1
1.3
5.8
TX
10,395
100.0
2.4
1.8
0.9
1.8
1.1
6.5
UT
1,098
100.0
2.3
1.6
0.3
1.3
1.1
5.2
VT
259
100.0
0.6
0.7
–
1.0
0.9
3.0
VA
3,619
100.0
–
2.4
0.5
0.5
1.2
4.0
WA
3,043
100.0
0.6
1.9
0.1
0.8
0.3
3.7
WV
761
100.0
1.7
0.4
1.4
2.3
2.7
8.4
WI
2,508
100.0
0.4
0.9
0.2
0.3
–
1.8
WY
241
100.0
1.9
2.8
1.5
1.9
0.7
6.7
Nonbank credit includes pawn shop loans, payday loans, tax refund anticipation loans, rent-to-own services, and auto title loans. The
dash symbol indicates an estimate of zero; the population proportion may be slightly greater than zero.
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 91
E.6 Specific Nonbank Credit Product Use by MSA, 2019
For All Households, Row Percent
Geography
All
Number of
Pawn
Payday
Percent of
Households
Shop Loan
Loan
Households
(1000s)
(Percent) (Percent)
Tax Refund
RentAnticipaTo-Own
tion Loan
Service
(Percent) (Percent)
Auto Title
Loan
(Percent)
Memo:
Nonbank
Credit
(Percent)
131,248
100.0
1.3
1.5
0.8
1.2
0.9
4.8
398
100.0
0.3
1.0
1.1
2.3
1.9
5.1
Atlanta-Sandy SpringsRoswell, GA~
2,420
100.0
1.9
1.8
0.6
0.3
0.9
5.3
Austin-Round Rock, TX
719
100.0
–
0.8
0.8
–
1.9
3.5
1,024
100.0
2.4
0.7
0.7
0.7
0.5
5.1
Baton Rouge, LA
359
100.0
1.6
0.9
1.6
–
0.5
3.7
Birmingham-Hoover, AL
453
100.0
2.2
2.7
1.3
–
–
4.8
Boise City, ID
278
100.0
0.4
1.3
–
0.4
1.7
3.8
MSA
Albuquerque, NM
Baltimore-ColumbiaTowson, MD
Boston-CambridgeNewton, MA-NH~
1,987
100.0
–
0.8
0.4
0.3
1.0
2.1
Burlington-South
Burlington, VT~
83
100.0
–
1.4
–
0.6
0.8
2.1
Charleston, WV~
113
100.0
2.6
0.8
–
1.7
0.9
6.0
Charlotte-ConcordGastonia, NC-SC~
1,065
100.0
0.7
0.7
–
–
1.5
2.2
Chicago-Naperville-Elgin,
IL-IN-WI
3,978
100.0
1.4
1.1
1.3
0.8
1.2
4.3
Cincinnati, OH-KY-IN~
727
100.0
0.6
0.8
0.6
1.1
1.7
3.9
Cleveland-Elyria, OH
839
100.0
1.8
2.7
0.5
3.2
1.2
7.5
Columbus, OH~
943
100.0
0.5
2.4
1.0
1.0
0.8
4.7
Dallas-Fort WorthArlington, TX~
2,929
100.0
2.8
1.9
1.3
1.5
1.0
6.6
Denver-Aurora-Lakewood,
CO
1,342
100.0
0.4
0.6
–
–
0.7
1.7
Detroit-Warren-Dearborn,
MI
1,822
100.0
1.2
3.2
1.6
–
0.9
6.5
Fargo, ND-MN
80
100.0
0.8
2.6
–
4.3
3.0
9.9
Hartford-West HartfordEast Hartford, CT~
593
100.0
–
–
0.5
–
0.7
1.3
2,474
100.0
2.6
1.9
0.2
1.2
0.9
5.6
Indianapolis-CarmelAnderson, IN~
961
100.0
1.3
1.5
–
0.7
1.7
5.1
Jackson, MS~
241
100.0
0.8
0.8
1.1
1.2
–
3.8
Kansas City, MO-KS~
Houston-The WoodlandsSugar Land, TX~
785
100.0
1.0
1.7
0.5
1.6
0.7
4.9
Las Vegas-HendersonParadise, NV
1,031
100.0
3.9
6.2
1.3
0.7
2.4
10.9
Little Rock-North Little
Rock-Conway, AR
347
100.0
3.1
1.3
1.9
6.3
0.8
12.0
92 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
E.6 Specific Nonbank Credit Product Use by MSA, 2019 (continued)
For All Households, Row Percent
Geography
Los Angeles-Long BeachAnaheim, CA
Number of
Pawn
Payday
Percent of
Households
Shop Loan
Loan
Households
(1000s)
(Percent) (Percent)
Tax Refund
RentAnticipaTo-Own
tion Loan
Service
(Percent) (Percent)
Auto Title
Loan
(Percent)
Memo:
Nonbank
Credit
(Percent)
4,661
100.0
0.8
0.9
0.3
1.0
0.4
3.1
Louisville/Jefferson
County, KY-IN~
587
100.0
2.5
2.6
2.5
3.9
–
7.2
Manchester-Nashua, NH~
158
100.0
–
–
–
1.7
2.3
4.0
Memphis, TN-MS-AR~
608
100.0
–
0.5
0.8
0.8
–
1.6
Miami-Fort LauderdaleWest Palm Beach, FL
2,827
100.0
1.7
3.6
1.0
1.0
0.4
6.8
Milwaukee-WaukeshaWest Allis, WI
665
100.0
–
–
–
–
–
–
Minneapolis-St. PaulBloomington, MN-WI~
1,517
100.0
2.1
2.4
–
–
0.3
4.8
Nashville-DavidsonMurfreesboro-Franklin,
TN~
756
100.0
1.0
1.1
–
1.8
0.7
4.6
New Orleans-Metairie, LA~
551
100.0
–
1.0
0.9
1.3
1.0
3.3
7,751
100.0
0.5
0.6
0.1
0.3
0.3
1.5
Oklahoma City, OK
592
100.0
2.3
2.3
2.0
2.4
1.4
8.5
Omaha-Council Bluffs,
NE-IA
New York-Newark-Jersey
City, NY-NJ-PA~
417
100.0
3.2
2.9
0.5
1.5
0.3
6.1
Orlando-KissimmeeSanford, FL
1,042
100.0
3.7
2.5
0.8
1.8
–
7.7
Philadelphia-CamdenWilmington, PA-NJ-DEMD
2,381
100.0
0.7
0.5
0.4
0.8
0.3
2.7
Phoenix-Mesa-Scottsdale,
AZ
2,031
100.0
1.0
0.2
0.3
0.5
1.0
2.8
Pittsburgh, PA
1,132
100.0
0.6
–
–
1.6
–
2.1
251
100.0
1.6
–
–
2.3
–
3.9
Portland-VancouverHillsboro, OR-WA
1,058
100.0
1.1
4.0
0.8
0.5
1.1
5.6
Providence-Warwick,
RI-MA~
610
100.0
1.5
0.7
1.0
1.4
0.8
4.4
1,686
100.0
1.1
1.1
0.6
0.3
0.3
3.2
908
100.0
1.3
2.3
1.3
–
–
2.3
1,356
100.0
–
1.7
0.9
1.2
0.4
3.3
Salt Lake City, UT~
423
100.0
1.2
3.1
–
0.4
0.5
4.0
San Antonio-New
Braunfels, TX
1,024
100.0
4.2
1.7
–
2.2
1.3
7.1
San Diego-Carlsbad, CA
1,243
100.0
–
–
–
0.5
–
0.5
Portland-South Portland,
ME~
Riverside-San BernardinoOntario, CA
Sacramento-RosevilleArden-Arcade, CA
St. Louis, MO-IL~
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 93
E.6 Specific Nonbank Credit Product Use by MSA, 2019 (continued)
For All Households, Row Percent
Geography
San Francisco-OaklandHayward, CA
Number of
Pawn
Payday
Percent of
Households
Shop Loan
Loan
Households
(1000s)
(Percent) (Percent)
Tax Refund
RentAnticipaTo-Own
tion Loan
Service
(Percent) (Percent)
Auto Title
Loan
(Percent)
Memo:
Nonbank
Credit
(Percent)
1,712
100.0
0.7
–
0.3
–
–
1.0
San Jose-Sunnyvale-Santa
Clara, CA
761
100.0
1.0
–
–
–
2.7
3.7
Seattle-Tacoma-Bellevue,
WA
1,661
100.0
0.5
0.8
0.2
–
0.3
1.8
115
100.0
–
–
2.1
1.8
1.5
3.6
1,416
100.0
0.8
1.5
–
2.4
–
4.0
Tucson, AZ
444
100.0
2.7
0.9
–
1.0
2.9
5.1
Tulsa, OK
442
100.0
2.8
2.8
2.6
0.6
1.9
10.7
Urban Honolulu, HI
375
100.0
0.2
0.6
2.0
0.4
0.7
3.9
Virginia Beach-NorfolkNewport News, VA-NC~
715
100.0
–
1.6
–
0.6
2.5
4.6
Washington-ArlingtonAlexandria, DC-VA-MDWV~
2,608
100.0
0.9
1.5
0.7
0.2
0.3
3.4
Wichita, KS~
292
100.0
–
2.4
–
–
–
2.4
Worcester, MA-CT~
423
100.0
–
1.7
–
2.4
8.4
10.8
Sioux Falls, SD
Tampa-St. PetersburgClearwater, FL
Nonbank credit includes pawn shop loans, payday loans, tax refund anticipation loans, rent-to-own services, and auto title loans. The
tilde symbol indicates areas with geographic boundary changes between the 2013 and 2015 surveys; see Appendix 1 (FDIC Technical
Notes) for details. The dash symbol indicates an estimate of zero; the population proportion may be slightly greater than zero.
94 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
E.7 Ownership of Visa, MasterCard, American Express, or Discover Credit Cards by Bank Account
Ownership and Household Characteristics, 2015–2019
For All Households
2015
(Percent)
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
66.5
68.7
71.3
(70.7, 71.9)
2.6*
(1.7, 3.4)
Unbanked
6.5
7.2
8.0
(6.8, 9.4)
0.8
(-1.0, 2.7)
Banked
70.8
72.8
74.9
(74.3, 75.5)
2.1*
(1.3, 2.9)
Less Than $15,000
30.8
31.3
35.6
(34.2, 37.1)
4.3*
(2.1, 6.5)
$15,000 to $30,000
48.8
48.6
50.4
(48.8, 52.0)
1.8
(-0.3, 3.9)
$30,000 to $50,000
63.6
64.1
65.3
(64.0, 66.5)
1.1
(-0.6, 2.9)
$50,000 to $75,000
75.9
77.0
77.7
(76.5, 78.7)
0.6
(-1.0, 2.2)
At Least $75,000
87.9
88.8
89.2
(88.7, 89.8)
0.4
(-0.5, 1.3)
No High School Diploma
33.1
33.3
35.5
(33.9, 37.1)
2.2
(-0.3, 4.7)
High School Diploma
55.4
57.7
60.3
(59.2, 61.4)
2.6*
(1.1, 4.1)
Some College
67.1
68.4
71.1
(70.1, 72.1)
2.7*
(1.3, 4.0)
College Degree
85.0
86.0
86.8
(86.2, 87.5)
0.8
(-0.1, 1.8)
15 to 24 Years
51.2
56.1
58.9
(56.5, 61.3)
2.8
(-0.6, 6.2)
25 to 34 Years
62.9
67.9
70.7
(69.4, 71.9)
2.7*
(1.0, 4.5)
35 to 44 Years
65.9
69.1
72.1
(71.0, 73.2)
3.0*
(1.3, 4.6)
45 to 54 Years
67.5
69.3
73.0
(71.8, 74.2)
3.7*
(1.8, 5.7)
55 to 64 Years
69.3
69.6
72.4
(71.1, 73.6)
2.8*
(1.1, 4.4)
65 Years or More
69.7
70.6
71.6
(70.7, 72.6)
1.0
(-0.2, 2.3)
Black
42.6
47.4
51.0
(49.1, 52.8)
3.6*
(1.0, 6.1)
Hispanic
48.3
53.9
57.6
(55.9, 59.2)
3.7*
(1.2, 6.1)
Asian
78.7
80.7
82.9
(81.1, 84.6)
2.2
(-0.7, 5.2)
American Indian or Alaska Native
40.1
41.2
52.1
(45.9, 58.1)
10.9*
(2.2, 19.6)
Native Hawaiian or Other Pacific
Islander
NA
NA
NA
NA
NA
NA
White
73.9
75.3
77.5
(76.9, 78.1)
2.3*
(1.4, 3.1)
Two or More Races
61.0
61.6
68.0
(63.6, 72.0)
6.4*
(0.5, 12.3)
Disabled, Aged 25 to 64
40.1
43.1
47.5
(45.6, 49.3)
4.3*
(1.8, 6.9)
Not Disabled, Aged 25 to 64
70.4
72.7
75.3
(74.7, 76.0)
2.6*
(1.6, 3.6)
Not Applicable (Not Aged 25 to 64)
66.4
68.1
69.7
(68.7, 70.6)
1.6*
(0.3, 2.8)
Characteristics
All
Bank Account Ownership
Family Income
Education
Age Group
Race/Ethnicity
Disability Status
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 95
E.7 Ownership of Visa, MasterCard, American Express, or Discover Credit Cards by Bank Account
Ownership and Household Characteristics, 2015–2019 (continued)
For All Households
2015
(Percent)
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
Income Was About the Same Each
Month
67.5
69.2
71.9
(71.2, 72.6)
2.7*
(1.7, 3.6)
Income Varied Somewhat From
Month to Month
64.5
68.2
70.0
(68.8, 71.2)
1.8*
(0.1, 3.5)
Income Varied a Lot From Month to
Month
58.8
62.8
66.4
(63.6, 69.0)
3.6
(0.0, 7.2)
Employed
71.3
73.4
76.2
(75.5, 76.9)
2.8*
(1.8, 3.8)
Unemployed
44.9
51.6
58.7
(55.1, 62.3)
7.1*
(2.1, 12.1)
Not in Labor Force
60.1
61.9
63.6
(62.7, 64.5)
1.7*
(0.4, 3.0)
Homeowner
76.7
78.1
80.1
(79.4, 80.7)
2.0*
(1.1, 2.8)
Non-Homeowner
48.5
52.2
55.4
(54.4, 56.4)
3.3*
(1.8, 4.7)
Married Couple
76.4
78.6
80.8
(80.1, 81.4)
2.2*
(1.1, 3.2)
Unmarried Female-Headed Family
48.4
51.7
56.2
(54.5, 57.8)
4.5*
(2.2, 6.7)
Unmarried Male-Headed Family
53.9
57.0
62.5
(60.1, 64.8)
5.5*
(2.0, 9.1)
Female Individual
62.3
63.7
67.1
(65.9, 68.3)
3.4*
(1.7, 5.1)
Male Individual
60.6
61.6
63.7
(62.3, 65.0)
2.1*
(0.3, 4.0)
Other
NA
NA
NA
NA
NA
NA
U.S.-Born
67.7
69.8
72.4
(71.8, 73.0)
2.6*
(1.8, 3.4)
Foreign-Born Citizen
69.1
70.2
70.0
(68.1, 71.9)
-0.1
(-2.8, 2.6)
Foreign-Born Noncitizen
48.2
53.3
58.9
(56.8, 60.9)
5.5*
(2.5, 8.6)
Metropolitan Area - Principal City
63.0
65.9
68.5
(67.4, 69.7)
2.6*
(1.0, 4.2)
Metropolitan Area - Balance
72.2
74.7
76.3
(75.5, 77.2)
1.7*
(0.5, 2.8)
Not in Metropolitan Area
56.3
59.3
62.2
(60.4, 64.0)
2.9*
(0.9, 4.9)
Not Identified
66.4
66.0
70.1
(68.4, 71.7)
4.0*
(1.6, 6.4)
Northeast
71.5
73.2
75.3
(74.1, 76.5)
2.1*
(0.4, 3.7)
Midwest
70.2
70.8
73.9
(72.6, 75.1)
3.1*
(1.3, 4.8)
South
59.1
62.7
65.9
(64.8, 67.0)
3.2*
(1.8, 4.5)
West
71.5
73.4
75.0
(73.8, 76.2)
1.6
(0.0, 3.2)
Characteristics
Monthly Income Volatility
Employment Status
Homeownership
Household Type
Citizenship and Place of Birth
Metropolitan Status
Geographic Region
Asterisk indicates differences that are statistically significant at the 10 percent level. NA indicates that the sample size is too small to
produce a precise estimate.
96 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
E.8 Applied for Credit Card or Bank Personal Loan by Bank Account Ownership and Household
Characteristics, 2015–2019
For All Households
2015
(Percent)
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
13.9
14.1
15.1
(14.7, 15.5)
0.9*
(0.4, 1.5)
Unbanked
2.5
3.0
2.8
(2.1, 3.6)
-0.2
(-1.3, 0.9)
Banked
14.7
14.9
15.8
(15.4, 16.2)
0.9*
(0.4, 1.5)
Less Than $15,000
6.0
6.5
6.7
(5.9, 7.6)
0.2
(-1.0, 1.3)
$15,000 to $30,000
9.3
8.4
8.8
(8.1, 9.6)
0.5
(-0.6, 1.5)
$30,000 to $50,000
12.1
11.6
13.1
(12.2, 14.1)
1.5*
(0.3, 2.7)
$50,000 to $75,000
15.9
15.2
16.0
(15.2, 16.8)
0.8
(-0.4, 2.0)
At Least $75,000
19.8
20.2
20.4
(19.7, 21.1)
0.2
(-0.8, 1.1)
No High School Diploma
5.5
5.4
7.6
(6.7, 8.7)
2.2*
(1.0, 3.5)
High School Diploma
10.3
10.2
11.5
(10.9, 12.2)
1.3*
(0.3, 2.3)
Some College
15.5
14.5
15.5
(14.8, 16.3)
1.0
(0.0, 2.0)
College Degree
17.9
18.9
18.8
(18.2, 19.5)
-0.1
(-1.1, 0.8)
15 to 24 Years
16.6
19.0
20.7
(18.5, 23.0)
1.7
(-1.1, 4.5)
25 to 34 Years
17.8
19.9
20.3
(19.2, 21.4)
0.3
(-1.1, 1.8)
35 to 44 Years
16.9
16.9
16.7
(15.7, 17.7)
-0.2
(-1.6, 1.1)
45 to 54 Years
15.8
16.1
17.6
(16.6, 18.6)
1.6*
(0.1, 3.0)
55 to 64 Years
12.7
12.4
14.4
(13.6, 15.3)
2.0*
(0.9, 3.1)
65 Years or More
7.9
7.4
8.7
(8.2, 9.2)
1.3*
(0.5, 2.0)
Black
9.3
9.8
11.0
(10.0, 12.1)
1.2
(-0.2, 2.7)
Hispanic
11.6
12.3
14.4
(13.2, 15.7)
2.1*
(0.4, 3.8)
Asian
17.5
20.2
17.1
(15.4, 18.9)
-3.1*
(-5.8, -0.4)
American Indian or Alaska Native
9.9
10.6
15.7
(11.8, 20.7)
5.2
(-0.1, 10.5)
Native Hawaiian or Other Pacific
Islander
NA
NA
NA
NA
NA
NA
White
14.9
14.8
15.8
(15.3, 16.3)
1.0*
(0.3, 1.6)
Two or More Races
17.3
17.7
17.9
(14.5, 21.9)
0.1
(-5.4, 5.7)
Disabled, Aged 25 to 64
11.3
11.3
13.1
(11.9, 14.3)
1.8*
(0.2, 3.3)
Not Disabled, Aged 25 to 64
16.4
16.9
17.7
(17.1, 18.3)
0.8*
(0.1, 1.6)
Not Applicable (Not Aged 25 to 64)
9.4
9.4
10.5
(10.0, 11.1)
1.1*
(0.3, 1.9)
Characteristics
All
Bank Account Ownership
Family Income
Education
Age Group
Race/Ethnicity
Disability Status
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 97
E.8 Applied for Credit Card or Bank Personal Loan by Bank Account Ownership and Household
Characteristics, 2015–2019 (continued)
For All Households
2015
(Percent)
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
Income Was About the Same Each
Month
13.0
13.1
14.2
(13.8, 14.7)
1.2*
(0.6, 1.7)
Income Varied Somewhat From
Month to Month
16.3
18.0
17.9
(16.9, 19.0)
-0.1
(-1.4, 1.2)
Income Varied a Lot From Month to
Month
19.2
17.9
18.6
(16.7, 20.8)
0.8
(-2.1, 3.6)
Employed
17.1
17.6
18.5
(17.9, 19.1)
0.9*
(0.1, 1.6)
Unemployed
11.9
15.6
15.1
(12.7, 17.8)
-0.5
(-4.2, 3.2)
Not in Labor Force
8.6
8.0
9.2
(8.7, 9.7)
1.2*
(0.6, 1.9)
Homeowner
14.5
14.7
15.4
(14.9, 16.0)
0.8*
(0.1, 1.5)
Non-Homeowner
12.9
13.2
14.4
(13.8, 15.2)
1.2*
(0.3, 2.1)
Married Couple
15.9
15.8
17.0
(16.5, 17.5)
1.2*
(0.4, 2.0)
Unmarried Female-Headed Family
12.4
13.2
14.2
(13.1, 15.3)
1.0
(-0.5, 2.4)
Unmarried Male-Headed Family
12.4
14.8
16.3
(14.4, 18.3)
1.5
(-1.3, 4.3)
Female Individual
10.7
11.0
11.9
(11.2, 12.7)
0.9
(-0.1, 1.9)
Male Individual
13.2
13.4
13.8
(12.8, 14.8)
0.4
(-1.0, 1.8)
Other
NA
NA
NA
NA
NA
NA
U.S.-Born
14.1
14.0
15.1
(14.7, 15.5)
1.1*
(0.5, 1.7)
Foreign-Born Citizen
13.4
15.1
14.0
(12.7, 15.5)
-1.1
(-3.2, 1.1)
Foreign-Born Noncitizen
11.8
15.0
16.5
(14.9, 18.1)
1.5
(-0.7, 3.6)
Metropolitan Area - Principal City
14.4
14.9
14.7
(13.9, 15.5)
-0.3
(-1.4, 0.9)
Metropolitan Area - Balance
14.8
15.3
16.7
(16.1, 17.3)
1.4*
(0.4, 2.3)
Not in Metropolitan Area
10.8
9.8
11.5
(10.5, 12.7)
1.8*
(0.7, 2.9)
Not Identified
13.5
13.2
14.3
(13.2, 15.5)
1.1
(-0.5, 2.6)
Northeast
14.6
14.9
15.6
(14.7, 16.7)
0.8
(-0.6, 2.1)
Midwest
14.3
14.8
15.7
(14.8, 16.5)
0.9
(-0.3, 2.1)
South
12.4
12.2
14.2
(13.5, 14.9)
2.0*
(1.0, 2.9)
West
15.6
16.2
15.6
(14.8, 16.5)
-0.6
(-1.8, 0.7)
Characteristics
Monthly Income Volatility
Employment Status
Homeownership
Household Type
Citizenship and Place of Birth
Metropolitan Status
Geographic Region
Asterisk indicates differences that are statistically significant at the 10 percent level. NA indicates that the sample size is too small to
produce a precise estimate.
98 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
E.9 Did Not Apply for Credit Card or Bank Personal Loan Because of Concerns About Being Turned
Down by Bank Account Ownership and Household Characteristics, 2015–2019
For All Households
2015
(Percent)
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
6.1
5.6
6.3
(6.1, 6.6)
0.7*
(0.4, 1.1)
Unbanked
10.7
8.5
9.9
(8.4, 11.6)
1.4
(-0.5, 3.3)
Banked
5.8
5.4
6.1
(5.9, 6.4)
0.7*
(0.4, 1.1)
Less Than $15,000
9.5
8.5
8.8
(7.9, 9.7)
0.2
(-1.1, 1.6)
$15,000 to $30,000
8.7
7.3
8.5
(7.7, 9.3)
1.2*
(0.1, 2.3)
$30,000 to $50,000
6.4
7.0
8.1
(7.3, 9.0)
1.1
(0.0, 2.1)
$50,000 to $75,000
5.6
5.4
6.8
(6.1, 7.5)
1.4*
(0.6, 2.3)
At Least $75,000
3.3
3.1
3.7
(3.4, 4.1)
0.6*
(0.1, 1.1)
No High School Diploma
7.0
6.2
6.8
(5.9, 7.9)
0.6
(-0.7, 1.9)
High School Diploma
7.3
5.7
7.0
(6.5, 7.5)
1.3*
(0.6, 2.0)
Some College
7.1
7.3
8.4
(7.8, 9.0)
1.1*
(0.3, 2.0)
College Degree
4.0
4.0
4.2
(3.9, 4.6)
0.2
(-0.2, 0.7)
15 to 24 Years
10.2
9.8
9.8
(8.3, 11.6)
0.0
(-2.3, 2.3)
25 to 34 Years
9.3
9.2
9.4
(8.6, 10.3)
0.2
(-1.0, 1.4)
35 to 44 Years
7.3
7.3
7.5
(6.9, 8.3)
0.2
(-0.8, 1.2)
45 to 54 Years
6.9
6.2
7.2
(6.6, 7.8)
1.0*
(0.2, 1.8)
55 to 64 Years
4.9
4.1
5.9
(5.4, 6.5)
1.8*
(1.1, 2.4)
65 Years or More
2.4
1.9
2.7
(2.4, 3.1)
0.8*
(0.4, 1.3)
Black
10.5
10.1
10.9
(9.8, 12.0)
0.8
(-0.7, 2.2)
Hispanic
8.9
7.3
8.8
(8.0, 9.8)
1.6*
(0.3, 2.8)
Asian
4.3
3.8
3.8
(2.9, 4.8)
-0.1
(-1.4, 1.3)
American Indian or Alaska Native
9.2
7.8
10.3
(7.2, 14.7)
2.6
(-2.1, 7.2)
Native Hawaiian or Other Pacific
Islander
NA
NA
NA
NA
NA
NA
White
4.7
4.5
4.9
(4.6, 5.2)
0.4*
(0.1, 0.8)
Two or More Races
9.1
7.8
14.1
(10.9, 18.0)
6.2*
(1.9, 10.6)
Disabled, Aged 25 to 64
11.3
9.0
11.8
(10.6, 13.1)
2.8*
(1.3, 4.4)
Not Disabled, Aged 25 to 64
6.4
6.3
6.9
(6.5, 7.2)
0.6*
(0.2, 1.1)
Not Applicable (Not Aged 25 to 64)
3.8
3.3
3.8
(3.4, 4.2)
0.6*
(0.0, 1.1)
Characteristics
All
Bank Account Ownership
Family Income
Education
Age Group
Race/Ethnicity
Disability Status
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 99
E.9 Did Not Apply for Credit Card or Bank Personal Loan Because of Concerns About Being Turned
Down by Bank Account Ownership and Household Characteristics, 2015–2019 (continued)
For All Households
2015
(Percent)
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
Income Was About the Same Each
Month
4.8
4.6
4.9
(4.6, 5.1)
0.2
(-0.1, 0.6)
Income Varied Somewhat From
Month to Month
9.1
8.5
10.7
(9.9, 11.5)
2.2*
(1.1, 3.2)
Income Varied a Lot From Month to
Month
15.4
11.4
14.6
(12.7, 16.6)
3.2*
(0.7, 5.7)
Employed
6.6
6.4
6.9
(6.6, 7.3)
0.6*
(0.1, 1.0)
Unemployed
13.2
13.6
13.8
(11.5, 16.4)
0.2
(-3.5, 3.9)
Not in Labor Force
4.7
3.6
4.8
(4.4, 5.2)
1.2*
(0.7, 1.7)
Homeowner
3.7
3.5
3.9
(3.6, 4.2)
0.3
(0.0, 0.7)
Non-Homeowner
10.3
9.2
10.8
(10.2, 11.4)
1.6*
(0.8, 2.4)
Married Couple
4.4
4.2
4.4
(4.1, 4.8)
0.3
(-0.2, 0.7)
Unmarried Female-Headed Family
11.6
9.8
11.8
(10.9, 12.8)
2.0*
(0.6, 3.4)
Unmarried Male-Headed Family
9.6
8.4
10.4
(8.9, 12.0)
2.0
(-0.2, 4.1)
Female Individual
5.7
5.6
6.5
(5.9, 7.1)
0.9
(0.0, 1.8)
Male Individual
6.2
5.8
6.3
(5.7, 7.0)
0.5
(-0.3, 1.4)
Other
NA
NA
NA
NA
NA
NA
U.S.-Born
6.0
5.6
6.3
(6.0, 6.5)
0.6*
(0.2, 1.0)
Foreign-Born Citizen
5.5
4.9
6.1
(5.2, 7.3)
1.3
(-0.1, 2.6)
Foreign-Born Noncitizen
7.3
6.1
7.6
(6.5, 8.9)
1.5
(0.0, 3.1)
Metropolitan Area - Principal City
7.6
6.6
7.0
(6.4, 7.6)
0.4
(-0.4, 1.2)
Metropolitan Area - Balance
5.6
5.1
6.3
(5.9, 6.8)
1.2*
(0.7, 1.8)
Not in Metropolitan Area
4.9
4.4
5.3
(4.7, 5.9)
0.9*
(0.0, 1.7)
Not Identified
5.8
6.2
5.9
(5.3, 6.7)
-0.3
(-1.4, 0.8)
Northeast
5.9
5.4
6.2
(5.5, 6.9)
0.8
(-0.3, 1.9)
Midwest
5.4
5.2
6.0
(5.5, 6.6)
0.9*
(0.2, 1.6)
South
6.0
5.7
6.7
(6.2, 7.1)
1.0*
(0.3, 1.6)
West
7.0
6.0
6.2
(5.6, 6.8)
0.1
(-0.6, 0.9)
Characteristics
Monthly Income Volatility
Employment Status
Homeownership
Household Type
Citizenship and Place of Birth
Metropolitan Status
Geographic Region
Asterisk indicates differences that are statistically significant at the 10 percent level. NA indicates that the sample size is too small to
produce a precise estimate.
100 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
E.10 Denied or Not Given as Much Credit as Requested, Among Households That Had Applied for
Credit Card or Bank Personal Loan, by Bank Account Ownership and Household Characteristics,
2015–2019
For Households That Had Applied for a Credit Card or Bank Personal Loan in the Past 12 Months
2015
(Percent)
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
20.0
19.5
17.1
(16.0, 18.2)
-2.4*
(-4.0, -0.8)
Unbanked
NA
NA
NA
NA
NA
NA
Banked
19.5
19.0
16.7
(15.6, 17.8)
-2.3*
(-3.9, -0.7)
Less Than $15,000
42.0
36.7
32.0
(26.0, 38.8)
-4.6
(-14.2, 4.9)
$15,000 to $30,000
35.3
36.7
34.3
(29.3, 39.6)
-2.4
(-10.1, 5.3)
$30,000 to $50,000
25.9
26.3
21.7
(19.0, 24.6)
-4.6*
(-9.1, -0.2)
$50,000 to $75,000
20.4
18.8
17.3
(15.1, 19.8)
-1.5
(-5.0, 1.9)
At Least $75,000
10.8
12.4
11.3
(10.2, 12.5)
-1.1
(-2.7, 0.5)
No High School Diploma
35.4
28.3
29.3
(24.0, 35.3)
1.0
(-7.4, 9.5)
High School Diploma
25.9
20.5
21.2
(18.5, 24.1)
0.7
(-3.4, 4.7)
Some College
23.6
26.2
22.0
(20.0, 24.2)
-4.3*
(-7.5, -1.0)
College Degree
13.2
14.2
11.2
(9.9, 12.7)
-3.0*
(-4.9, -1.0)
15 to 24 Years
32.3
28.8
20.2
(15.7, 25.7)
-8.6*
(-16.5, -0.6)
25 to 34 Years
24.2
20.8
20.4
(18.0, 23.1)
-0.3
(-4.2, 3.5)
35 to 44 Years
21.9
20.5
16.4
(14.3, 18.8)
-4.1*
(-7.4, -0.8)
45 to 54 Years
18.3
22.0
17.5
(15.2, 20.1)
-4.5*
(-7.8, -1.1)
55 to 64 Years
17.0
17.2
15.0
(12.7, 17.5)
-2.3
(-5.8, 1.2)
65 Years or More
11.4
9.3
13.4
(11.3, 15.8)
4.1*
(0.7, 7.4)
Black
28.9
36.2
26.1
(22.3, 30.4)
-10.1*
(-16.9, -3.3)
Hispanic
29.8
27.9
22.7
(19.4, 26.3)
-5.2
(-10.6, 0.1)
Asian
17.0
13.3
16.1
(11.8, 21.6)
2.8
(-3.5, 9.1)
American Indian or Alaska Native
NA
NA
NA
NA
NA
NA
Native Hawaiian or Other Pacific
Islander
NA
NA
NA
NA
NA
NA
White
17.5
16.3
14.7
(13.6, 16.0)
-1.5
(-3.2, 0.2)
Two or More Races
NA
NA
NA
NA
NA
NA
Disabled, Aged 25 to 64
32.7
32.8
28.6
(24.0, 33.6)
-4.3
(-10.9, 2.4)
Not Disabled, Aged 25 to 64
19.3
19.1
16.4
(15.1, 17.7)
-2.7*
(-4.5, -0.9)
Not Applicable (Not Aged 25 to 64)
17.9
16.1
15.5
(13.4, 17.8)
-0.6
(-3.9, 2.6)
Characteristics
All
Bank Account Ownership
Family Income
Education
Age Group
Race/Ethnicity
Disability Status
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 101
E.10 Denied or Not Given as Much Credit as Requested, Among Households That Had Applied for
Credit Card or Bank Personal Loan, by Bank Account Ownership and Household Characteristics,
2015–2019 (continued)
For Households That Had Applied for a Credit Card or Bank Personal Loan in the Past 12 Months
2015
(Percent)
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
Income Was About the Same Each
Month
17.1
17.7
15.6
(14.4, 16.9)
-2.1*
(-3.9, -0.3)
Income Varied Somewhat From
Month to Month
25.1
22.6
19.5
(17.3, 22.0)
-3.0
(-6.3, 0.2)
Income Varied a Lot From Month to
Month
34.5
30.6
27.2
(21.6, 33.5)
-3.5
(-11.8, 4.9)
Employed
18.9
19.0
16.4
(15.2, 17.7)
-2.6*
(-4.3, -0.8)
Unemployed
47.4
38.5
NA
NA
NA
NA
Not in Labor Force
20.7
18.6
18.3
(16.1, 20.6)
-0.3
(-3.6, 3.0)
Homeowner
13.7
13.6
12.5
(11.4, 13.7)
-1.0
(-2.7, 0.6)
Non-Homeowner
32.5
31.0
25.8
(23.8, 28.0)
-5.2*
(-8.7, -1.7)
Married Couple
15.7
15.4
13.8
(12.5, 15.2)
-1.6
(-3.4, 0.3)
Unmarried Female-Headed Family
30.8
31.6
25.4
(21.8, 29.3)
-6.2*
(-12.1, -0.3)
Unmarried Male-Headed Family
28.4
26.9
19.1
(14.6, 24.6)
-7.8
(-16.6, 1.1)
Female Individual
20.0
20.5
18.4
(15.6, 21.6)
-2.1
(-6.4, 2.1)
Male Individual
24.7
21.6
20.0
(17.3, 23.0)
-1.6
(-5.8, 2.6)
Other
NA
NA
NA
NA
NA
NA
U.S.-Born
19.5
18.9
16.0
(14.9, 17.1)
-2.9*
(-4.6, -1.2)
Foreign-Born Citizen
18.5
18.4
20.2
(16.0, 25.2)
1.8
(-4.3, 7.9)
Foreign-Born Noncitizen
29.5
27.7
26.7
(21.9, 32.0)
-1.1
(-8.9, 6.8)
Metropolitan Area - Principal City
22.1
22.4
18.0
(16.1, 20.1)
-4.3*
(-7.4, -1.3)
Metropolitan Area - Balance
17.6
17.5
17.1
(15.6, 18.8)
-0.4
(-2.7, 2.0)
Not in Metropolitan Area
21.9
16.2
15.2
(12.7, 18.0)
-1.1
(-5.3, 3.1)
Not Identified
21.8
21.9
16.2
(13.5, 19.3)
-5.6*
(-9.7, -1.6)
Northeast
18.2
15.9
16.9
(14.5, 19.5)
1.0
(-2.4, 4.4)
Midwest
17.9
19.0
16.5
(14.6, 18.6)
-2.5
(-5.4, 0.4)
South
21.5
21.1
17.6
(15.9, 19.5)
-3.5*
(-6.4, -0.6)
West
21.1
20.3
16.9
(14.9, 19.2)
-3.4*
(-6.4, -0.4)
Characteristics
Monthly Income Volatility
Employment Status
Homeownership
Household Type
Citizenship and Place of Birth
Metropolitan Status
Geographic Region
Asterisk indicates differences that are statistically significant at the 10 percent level. NA indicates that the sample size is too small to
produce a precise estimate.
102 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
E.11 Nonbank Credit Use by Bank Account Ownership and Household Characteristics,
2015–2019
For All Households
2015
(Percent)
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
8.1
7.5
4.8
(4.6, 5.1)
-2.6*
(-3.0, -2.3)
Unbanked
18.5
14.2
13.4
(11.8, 15.1)
-0.8
(-3.0, 1.4)
Banked
7.4
7.0
4.3
(4.1, 4.6)
-2.7*
(-3.1, -2.3)
Less Than $15,000
13.1
10.3
7.9
(7.0, 9.0)
-2.4*
(-3.7, -1.1)
$15,000 to $30,000
11.0
10.1
6.7
(6.0, 7.5)
-3.4*
(-4.5, -2.3)
$30,000 to $50,000
10.2
9.3
6.8
(6.1, 7.5)
-2.5*
(-3.5, -1.6)
$50,000 to $75,000
7.0
7.4
4.7
(4.3, 5.2)
-2.7*
(-3.5, -1.9)
At Least $75,000
3.8
4.2
2.3
(2.1, 2.6)
-1.9*
(-2.4, -1.5)
No High School Diploma
12.2
10.3
9.0
(8.0, 10.2)
-1.3
(-2.9, 0.3)
High School Diploma
10.5
8.9
6.0
(5.5, 6.6)
-2.8*
(-3.6, -2.1)
Some College
9.3
9.1
5.6
(5.2, 6.1)
-3.5*
(-4.2, -2.7)
College Degree
4.1
4.4
2.4
(2.2, 2.7)
-2.0*
(-2.4, -1.5)
15 to 24 Years
14.4
13.3
6.8
(5.6, 8.1)
-6.6*
(-8.6, -4.5)
25 to 34 Years
12.0
10.3
6.9
(6.2, 7.7)
-3.4*
(-4.5, -2.2)
35 to 44 Years
10.3
9.4
6.1
(5.5, 6.8)
-3.3*
(-4.2, -2.3)
45 to 54 Years
8.6
8.2
5.5
(4.9, 6.0)
-2.7*
(-3.6, -1.7)
55 to 64 Years
6.2
6.2
4.3
(3.9, 4.8)
-1.9*
(-2.7, -1.1)
65 Years or More
3.8
3.5
2.2
(2.0, 2.5)
-1.3*
(-1.7, -0.9)
Black
14.2
12.8
8.8
(8.0, 9.8)
-4.0*
(-5.4, -2.6)
Hispanic
10.8
9.2
7.5
(6.7, 8.3)
-1.7*
(-2.9, -0.5)
Asian
4.7
5.5
2.5
(1.8, 3.4)
-3.0*
(-4.7, -1.3)
American Indian or Alaska Native
19.2
15.7
9.2
(6.7, 12.6)
-6.4*
(-11.9, -0.9)
Native Hawaiian or Other Pacific
Islander
NA
NA
NA
NA
NA
NA
White
6.5
6.1
3.6
(3.4, 3.8)
-2.5*
(-2.9, -2.0)
Two or More Races
13.6
12.4
5.4
(3.7, 7.6)
-7.0*
(-11.2, -2.8)
Disabled, Aged 25 to 64
15.6
13.1
10.6
(9.5, 11.8)
-2.5*
(-4.1, -0.9)
Not Disabled, Aged 25 to 64
8.2
7.7
5.0
(4.7, 5.3)
-2.7*
(-3.2, -2.3)
Not Applicable (Not Aged 25 to 64)
5.6
5.2
2.9
(2.6, 3.2)
-2.3*
(-2.8, -1.7)
Characteristics
All
Bank Account Ownership
Family Income
Education
Age Group
Race/Ethnicity
Disability Status
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 103
E.11 Nonbank Credit Use by Bank Account Ownership and Household Characteristics,
2015–2019 (continued)
For All Households
2015
(Percent)
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
Income Was About the Same Each
Month
6.9
6.7
4.1
(3.8, 4.3)
-2.6*
(-3.0, -2.2)
Income Varied Somewhat From
Month to Month
11.5
9.9
7.1
(6.4, 7.8)
-2.8*
(-3.8, -1.7)
Income Varied a Lot From Month to
Month
15.4
12.0
8.8
(7.4, 10.5)
-3.2*
(-5.3, -1.0)
Employed
8.3
8.1
4.9
(4.6, 5.2)
-3.2*
(-3.7, -2.7)
Unemployed
16.2
11.5
8.4
(6.5, 10.8)
-3.2*
(-6.1, -0.2)
Not in Labor Force
7.3
6.0
4.5
(4.1, 4.8)
-1.6*
(-2.1, -1.0)
Homeowner
5.3
5.1
3.0
(2.8, 3.2)
-2.1*
(-2.5, -1.8)
Non-Homeowner
13.1
11.6
8.1
(7.6, 8.6)
-3.5*
(-4.3, -2.6)
Married Couple
6.4
6.0
3.6
(3.4, 3.9)
-2.4*
(-2.9, -2.0)
Unmarried Female-Headed Family
15.9
13.3
9.2
(8.4, 10.1)
-4.1*
(-5.5, -2.6)
Unmarried Male-Headed Family
10.5
10.6
7.5
(6.3, 9.0)
-3.0*
(-4.9, -1.2)
Female Individual
6.8
6.5
4.2
(3.7, 4.8)
-2.3*
(-3.1, -1.4)
Male Individual
7.9
7.6
5.0
(4.5, 5.5)
-2.6*
(-3.5, -1.7)
Other
NA
NA
NA
NA
NA
NA
U.S.-Born
8.3
7.5
4.9
(4.6, 5.1)
-2.7*
(-3.1, -2.3)
Foreign-Born Citizen
4.8
5.7
3.5
(2.8, 4.3)
-2.2*
(-3.3, -1.0)
Foreign-Born Noncitizen
9.2
8.5
6.1
(5.0, 7.5)
-2.4*
(-4.2, -0.6)
Metropolitan Area - Principal City
8.7
8.0
4.9
(4.4, 5.4)
-3.1*
(-4.0, -2.3)
Metropolitan Area - Balance
6.5
6.3
4.1
(3.8, 4.4)
-2.2*
(-2.8, -1.7)
Not in Metropolitan Area
10.4
8.6
6.3
(5.6, 7.0)
-2.3*
(-3.3, -1.3)
Not Identified
9.5
8.6
5.6
(5.0, 6.4)
-3.0*
(-4.0, -2.0)
Northeast
6.0
5.1
2.6
(2.2, 3.1)
-2.5*
(-3.3, -1.7)
Midwest
7.6
7.2
5.0
(4.4, 5.5)
-2.2*
(-3.0, -1.4)
South
9.6
9.0
6.3
(5.8, 6.8)
-2.7*
(-3.3, -2.0)
West
7.8
7.0
3.9
(3.5, 4.3)
-3.1*
(-3.9, -2.4)
Characteristics
Monthly Income Volatility
Employment Status
Homeownership
Household Type
Citizenship and Place of Birth
Metropolitan Status
Geographic Region
Nonbank credit includes pawn shop loans, payday loans, tax refund anticipation loans, rent-to-own services, and auto title loans.
The estimates of nonbank credit use in 2017 and 2015 reported here differ from those published in earlier reports due to a difference
in how nonresponse is handled; see Appendix 1 (FDIC Technical Notes) for details. Asterisk indicates differences that are statistically
significant at the 10 percent level. NA indicates that the sample size is too small to produce a precise estimate.
104 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
E.12 Bank Credit Demand Measures by State, 2019
For All Households, Row Percent
Percent of
Households
Applied for Credit
Card or Bank
Personal Loan
(Percent)
Did Not Apply for Credit Card or
Bank Personal Loan Because of
Concerns About Being
Turned Down
(Percent)
131,248
100.0
15.1
6.3
AL
2,062
100.0
10.4
5.7
AK
277
100.0
17.2
9.1
AZ
2,900
100.0
18.2
8.8
AR
1,201
100.0
14.0
5.7
CA
14,325
100.0
14.4
5.6
CO
2,449
100.0
18.0
4.4
CT
1,524
100.0
15.2
4.7
DE
440
100.0
19.0
5.5
DC
363
100.0
18.0
4.9
FL
9,139
100.0
16.1
7.9
GA
4,144
100.0
13.7
7.6
HI
502
100.0
15.2
4.7
ID
702
100.0
10.6
3.9
IL
5,364
100.0
14.9
5.9
IN
2,765
100.0
16.2
6.2
IA
1,320
100.0
13.0
5.5
KS
1,141
100.0
8.2
2.7
KY
1,838
100.0
10.7
4.7
LA
1,945
100.0
10.3
6.8
ME
604
100.0
18.2
5.2
MD
2,379
100.0
23.5
7.5
MA
2,809
100.0
18.2
5.4
MI
4,220
100.0
16.8
7.1
MN
2,407
100.0
21.0
4.7
MS
1,199
100.0
8.6
6.2
MO
2,516
100.0
13.7
5.4
MT
460
100.0
11.7
4.7
NE
742
100.0
18.6
3.7
NV
1,350
100.0
14.7
9.0
NH
545
100.0
18.6
4.1
NJ
3,317
100.0
15.9
4.9
NM
829
100.0
7.9
5.2
NY
7,879
100.0
13.5
6.7
NC
4,369
100.0
13.8
5.6
ND
308
100.0
15.7
2.5
OH
4,653
100.0
16.5
7.7
Geography
All
Number of
Households
(1000s)
State
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 105
E.12 Bank Credit Demand Measures by State, 2019 (continued)
For All Households, Row Percent
Percent of
Households
Applied for Credit
Card or Bank
Personal Loan
(Percent)
Did Not Apply for Credit Card or
Bank Personal Loan Because of
Concerns About Being
Turned Down
(Percent)
1,612
100.0
11.4
8.1
OR
1,825
100.0
20.5
9.9
PA
5,245
100.0
16.6
7.3
RI
441
100.0
14.8
4.4
SC
2,081
100.0
11.8
7.0
SD
354
100.0
19.1
8.1
TN
2,781
100.0
10.8
5.8
TX
10,395
100.0
13.4
6.8
UT
1,098
100.0
20.4
4.1
VT
259
100.0
18.8
7.3
VA
3,619
100.0
19.0
5.0
WA
3,043
100.0
17.0
6.0
WV
761
100.0
13.0
5.5
WI
2,508
100.0
13.5
5.8
WY
241
100.0
13.1
5.7
Number of
Households
(1000s)
OK
Geography
E.13 Bank Credit Demand Measures by MSA, 2019
For All Households, Row Percent
Percent of
Households
Applied for Credit
Card or Bank
Personal Loan
(Percent)
Did Not Apply for Credit Card or
Bank Personal Loan Because of
Concerns About Being
Turned Down
(Percent)
131,248
100.0
15.1
6.3
398
100.0
9.7
3.7
2,420
100.0
16.0
8.7
719
100.0
17.9
6.1
1,024
100.0
26.7
8.5
Baton Rouge, LA
359
100.0
10.9
8.9
Birmingham-Hoover, AL
453
100.0
6.5
3.4
Boise City, ID
278
100.0
10.8
4.5
1,987
100.0
21.1
5.2
Burlington-South Burlington, VT~
83
100.0
24.3
8.4
Charleston, WV~
113
100.0
24.7
6.7
Geography
All
Number of
Households
(1000s)
MSA
Albuquerque, NM
Atlanta-Sandy Springs-Roswell, GA~
Austin-Round Rock, TX
Baltimore-Columbia-Towson, MD
Boston-Cambridge-Newton, MA-NH~
106 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
E.13 Bank Credit Demand Measures by MSA, 2019 (continued)
For All Households, Row Percent
Percent of
Households
Applied for Credit
Card or Bank
Personal Loan
(Percent)
Did Not Apply for Credit Card or
Bank Personal Loan Because of
Concerns About Being
Turned Down
(Percent)
1,065
100.0
18.3
8.0
3,978
100.0
14.2
4.9
Cincinnati, OH-KY-IN~
727
100.0
18.3
7.5
Cleveland-Elyria, OH
839
100.0
22.1
11.6
Columbus, OH~
943
100.0
20.7
9.1
Dallas-Fort Worth-Arlington, TX~
2,929
100.0
11.4
6.9
Denver-Aurora-Lakewood, CO
1,342
100.0
15.3
6.2
Detroit-Warren-Dearborn, MI
1,822
100.0
16.6
8.2
Fargo, ND-MN
80
100.0
23.5
3.0
Hartford-West Hartford-East Hartford,
CT~
593
100.0
12.3
4.6
Houston-The Woodlands-Sugar Land,
TX~
2,474
100.0
13.0
7.8
Indianapolis-Carmel-Anderson, IN~
961
100.0
14.8
4.4
Jackson, MS~
241
100.0
8.2
2.9
Kansas City, MO-KS~
785
100.0
12.9
4.7
1,031
100.0
16.1
10.6
Little Rock-North Little Rock-Conway,
AR
347
100.0
11.8
2.9
Los Angeles-Long Beach-Anaheim, CA
4,661
100.0
15.1
6.4
Louisville/Jefferson County, KY-IN~
587
100.0
11.8
6.1
Manchester-Nashua, NH~
158
100.0
22.5
1.7
Memphis, TN-MS-AR~
608
100.0
7.0
4.8
2,827
100.0
17.1
10.6
Milwaukee-Waukesha-West Allis, WI
665
100.0
15.6
6.5
Minneapolis-St. Paul-Bloomington,
MN-WI~
1,517
100.0
21.2
5.3
Nashville-Davidson-MurfreesboroFranklin, TN~
756
100.0
11.6
7.0
New Orleans-Metairie, LA~
551
100.0
9.5
5.7
7,751
100.0
13.3
5.8
Oklahoma City, OK
592
100.0
14.0
10.7
Omaha-Council Bluffs, NE-IA
417
100.0
20.8
4.0
Orlando-Kissimmee-Sanford, FL
1,042
100.0
19.0
10.8
Philadelphia-Camden-Wilmington,
PA-NJ-DE-MD
2,381
100.0
21.0
7.1
Phoenix-Mesa-Scottsdale, AZ
2,031
100.0
18.2
9.0
Pittsburgh, PA
1,132
100.0
16.7
8.9
Geography
Number of
Households
(1000s)
Charlotte-Concord-Gastonia, NC-SC~
Chicago-Naperville-Elgin, IL-IN-WI
Las Vegas-Henderson-Paradise, NV
Miami-Fort Lauderdale-West Palm
Beach, FL
New York-Newark-Jersey City, NY-NJPA~
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 107
E.13 Bank Credit Demand Measures by MSA, 2019 (continued)
For All Households, Row Percent
Percent of
Households
Applied for Credit
Card or Bank
Personal Loan
(Percent)
Did Not Apply for Credit Card or
Bank Personal Loan Because of
Concerns About Being
Turned Down
(Percent)
251
100.0
21.2
5.5
1,058
100.0
21.2
11.3
610
100.0
14.5
6.4
Riverside-San Bernardino-Ontario, CA
1,686
100.0
12.0
6.5
Sacramento-Roseville-Arden-Arcade,
CA
908
100.0
9.9
4.0
1,356
100.0
17.6
8.3
423
100.0
23.3
6.4
San Antonio-New Braunfels, TX
1,024
100.0
13.8
5.3
San Diego-Carlsbad, CA
1,243
100.0
12.5
1.7
San Francisco-Oakland-Hayward, CA
1,712
100.0
14.7
3.7
San Jose-Sunnyvale-Santa Clara, CA
761
100.0
24.5
6.7
1,661
100.0
18.4
4.3
115
100.0
19.5
5.5
1,416
100.0
17.2
4.0
Tucson, AZ
444
100.0
21.4
10.7
Tulsa, OK
442
100.0
11.9
6.9
Urban Honolulu, HI
375
100.0
14.5
3.9
Virginia Beach-Norfolk-Newport
News, VA-NC~
715
100.0
18.5
9.5
2,608
100.0
24.3
4.3
Wichita, KS~
292
100.0
7.5
0.7
Worcester, MA-CT~
423
100.0
14.3
4.9
Geography
Portland-South Portland, ME~
Portland-Vancouver-Hillsboro, OR-WA
Providence-Warwick, RI-MA~
St. Louis, MO-IL~
Salt Lake City, UT~
Seattle-Tacoma-Bellevue, WA
Sioux Falls, SD
Tampa-St. Petersburg-Clearwater, FL
Washington-Arlington-Alexandria,
DC-VA-MD-WV~
Number of
Households
(1000s)
The tilde symbol indicates areas with geographic boundary changes between the 2013 and 2015 surveys; see Appendix 1 (FDIC
Technical Notes) for details.
108 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
E.14 Rates of Saving for Unexpected Expenses or Emergencies by Bank Account Ownership and
Household Characteristics, 2015–2019
For All Households
2015
(Percent)
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
56.3
57.8
64.2
(63.7, 64.7)
6.4*
(5.7, 7.2)
Unbanked
20.2
17.4
26.0
(24.0, 28.0)
8.6*
(5.8, 11.3)
Banked
58.9
60.4
66.4
(65.8, 66.9)
5.9*
(5.2, 6.7)
Less Than $15,000
30.8
28.9
35.6
(34.2, 37.0)
6.7*
(4.8, 8.6)
$15,000 to $30,000
42.2
41.0
47.9
(46.6, 49.3)
7.0*
(5.0, 8.9)
$30,000 to $50,000
53.2
54.7
60.0
(58.7, 61.3)
5.3*
(3.7, 7.0)
$50,000 to $75,000
63.6
63.7
69.0
(67.8, 70.2)
5.3*
(3.7, 7.0)
At Least $75,000
72.9
73.8
78.2
(77.4, 78.9)
4.3*
(3.2, 5.5)
No High School Diploma
30.1
31.7
37.5
(35.8, 39.2)
5.8*
(3.4, 8.2)
High School Diploma
47.2
48.6
55.6
(54.5, 56.6)
7.0*
(5.4, 8.6)
Some College
58.9
59.1
65.8
(64.8, 66.8)
6.7*
(5.4, 8.1)
College Degree
69.4
70.0
74.7
(74.0, 75.4)
4.7*
(3.6, 5.7)
15 to 24 Years
55.7
60.1
65.4
(62.8, 67.9)
5.3*
(1.8, 8.8)
25 to 34 Years
60.7
63.9
70.7
(69.5, 71.9)
6.8*
(5.0, 8.7)
35 to 44 Years
58.8
61.2
67.4
(66.2, 68.6)
6.2*
(4.4, 8.0)
45 to 54 Years
58.2
59.3
65.7
(64.6, 66.9)
6.4*
(4.7, 8.1)
55 to 64 Years
56.4
56.8
63.8
(62.6, 64.9)
7.0*
(5.4, 8.6)
65 Years or More
50.1
50.6
57.1
(56.1, 58.2)
6.6*
(5.1, 8.0)
Black
45.5
45.1
53.2
(51.4, 54.9)
8.0*
(5.7, 10.4)
Hispanic
42.3
48.2
54.3
(52.6, 56.0)
6.1*
(3.8, 8.4)
Asian
52.2
54.5
62.8
(60.5, 65.1)
8.3*
(5.0, 11.7)
American Indian or Alaska Native
47.9
46.8
48.1
(42.6, 53.7)
1.3
(-6.9, 9.5)
Native Hawaiian or Other Pacific
Islander
58.6
53.6
NA
NA
NA
NA
White
61.3
62.4
68.6
(68.0, 69.2)
6.3*
(5.4, 7.1)
Two or More Races
63.9
61.6
69.6
(65.1, 73.7)
7.9*
(1.1, 14.8)
Disabled, Aged 25 to 64
39.0
38.5
45.9
(44.2, 47.7)
7.4*
(5.0, 9.9)
Not Disabled, Aged 25 to 64
61.3
63.2
69.6
(69.0, 70.2)
6.3*
(5.5, 7.2)
Not Applicable (Not Aged 25 to 64)
51.1
52.2
58.4
(57.4, 59.4)
6.2*
(4.8, 7.6)
Characteristics
All
Bank Account Ownership
Family Income
Education
Age Group
Race/Ethnicity
Disability Status
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 109
E.14 Rates of Saving for Unexpected Expenses or Emergencies by Bank Account Ownership and
Household Characteristics, 2015–2019 (continued)
For All Households
2015
(Percent)
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
Income Was About the Same Each
Month
56.3
56.9
63.6
(62.9, 64.2)
6.7*
(5.8, 7.6)
Income Varied Somewhat From
Month to Month
58.3
63.0
67.4
(66.1, 68.6)
4.3*
(2.5, 6.2)
Income Varied a Lot From Month to
Month
51.3
52.5
61.3
(58.6, 63.9)
8.7*
(5.3, 12.2)
Employed
63.1
64.8
70.9
(70.3, 71.6)
6.1*
(5.1, 7.1)
Unemployed
44.5
46.0
58.3
(54.9, 61.5)
12.2*
(7.3, 17.2)
Not in Labor Force
45.6
46.3
52.8
(52.0, 53.7)
6.5*
(5.3, 7.7)
Homeowner
61.5
63.3
69.4
(68.8, 70.0)
6.1*
(5.2, 7.0)
Non-Homeowner
47.3
48.1
54.7
(53.8, 55.6)
6.6*
(5.3, 7.9)
Married Couple
63.1
64.6
70.7
(70.0, 71.4)
6.1*
(5.1, 7.2)
Unmarried Female-Headed Family
46.2
47.0
54.7
(53.1, 56.2)
7.6*
(5.4, 9.8)
Unmarried Male-Headed Family
50.6
53.6
58.8
(56.5, 61.1)
5.2*
(2.0, 8.3)
Female Individual
51.1
51.9
58.8
(57.6, 59.9)
6.9*
(5.2, 8.6)
Male Individual
52.1
53.7
60.8
(59.6, 62.1)
7.1*
(5.2, 9.0)
Other
NA
NA
NA
NA
NA
NA
U.S.-Born
58.4
59.7
66.0
(65.5, 66.6)
6.3*
(5.5, 7.1)
Foreign-Born Citizen
47.9
48.6
55.1
(53.2, 56.9)
6.4*
(3.4, 9.4)
Foreign-Born Noncitizen
39.9
42.9
52.1
(49.8, 54.5)
9.2*
(6.0, 12.5)
Metropolitan Area - Principal City
55.1
55.7
60.7
(59.6, 61.8)
5.0*
(3.4, 6.6)
Metropolitan Area - Balance
58.4
60.5
67.1
(66.2, 67.9)
6.6*
(5.5, 7.7)
Not in Metropolitan Area
52.5
52.5
60.9
(59.1, 62.8)
8.4*
(5.9, 10.9)
Not Identified
56.5
59.0
65.5
(64.0, 67.0)
6.5*
(4.2, 8.8)
Northeast
56.2
55.8
64.4
(62.9, 65.8)
8.5*
(6.8, 10.3)
Midwest
61.1
60.9
68.0
(66.9, 69.2)
7.1*
(5.5, 8.7)
South
52.1
55.3
61.3
(60.3, 62.2)
5.9*
(4.5, 7.3)
West
59.1
60.4
65.4
(64.2, 66.5)
5.0*
(3.3, 6.7)
Characteristics
Monthly Income Volatility
Employment Status
Homeownership
Household Type
Citizenship and Place of Birth
Metropolitan Status
Geographic Region
Asterisk indicates differences that are statistically significant at the 10 percent level. NA indicates that the sample size is too small to
produce a precise estimate.
110 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
E.15 Rates of Saving for Unexpected Expenses or Emergencies by State, 2015–2019
For All Households
2015
(Percent)
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
56.3
57.8
64.2
(63.7, 64.7)
6.4*
(5.7, 7.2)
AL
52.7
51.9
57.9
(54.2, 61.6)
6.0
(-0.4, 12.5)
AK
60.8
71.1
69.5
(64.2, 74.3)
-1.6
(-7.6, 4.5)
AZ
64.3
62.3
68.5
(64.6, 72.2)
6.2*
(0.2, 12.1)
AR
50.4
50.8
61.2
(57.0, 65.3)
10.4*
(3.1, 17.7)
CA
54.0
55.7
60.9
(59.0, 62.9)
5.3*
(2.3, 8.3)
CO
70.3
68.4
72.3
(67.5, 76.5)
3.9
(-2.7, 10.4)
CT
62.2
63.5
64.2
(58.5, 69.4)
0.7
(-6.4, 7.8)
DE
53.3
64.4
73.1
(69.3, 76.6)
8.7*
(2.9, 14.5)
DC
53.2
67.0
66.3
(62.7, 69.7)
-0.7
(-5.2, 3.9)
FL
42.7
51.3
59.6
(57.0, 62.2)
8.3*
(4.6, 12.1)
GA
50.2
52.2
63.2
(60.1, 66.2)
11.0*
(5.4, 16.6)
HI
59.0
58.8
61.6
(57.5, 65.5)
2.7
(-4.2, 9.7)
ID
52.6
57.4
60.3
(56.4, 64.1)
2.9
(-3.0, 8.8)
IL
64.0
59.9
64.2
(61.3, 67.1)
4.3
(-0.5, 9.2)
IN
59.6
62.1
70.9
(67.3, 74.4)
8.8*
(3.8, 13.8)
IA
61.4
66.2
66.5
(61.9, 70.8)
0.3
(-4.9, 5.6)
KS
58.1
59.8
71.7
(67.9, 75.1)
11.8*
(4.7, 19.0)
KY
56.2
50.7
62.2
(57.5, 66.7)
11.4*
(6.0, 16.9)
LA
50.6
50.5
59.5
(56.3, 62.6)
8.9*
(2.4, 15.4)
ME
68.7
60.0
72.0
(66.3, 77.0)
12.0*
(6.9, 17.1)
MD
59.1
67.7
68.6
(64.4, 72.5)
0.9
(-5.5, 7.4)
MA
57.2
56.7
68.1
(64.7, 71.3)
11.3*
(6.7, 16.0)
MI
56.3
57.5
66.5
(63.2, 69.6)
9.0*
(4.0, 14.0)
MN
64.9
66.2
77.1
(72.9, 80.8)
10.9*
(6.0, 15.8)
MS
50.6
46.9
57.3
(52.2, 62.2)
10.4*
(5.5, 15.4)
MO
64.3
61.1
68.0
(63.9, 71.8)
6.9*
(1.2, 12.6)
MT
69.3
68.5
69.1
(64.9, 73.1)
0.6
(-5.2, 6.4)
NE
55.6
68.8
65.9
(61.9, 69.7)
-2.9
(-9.0, 3.2)
NV
54.8
58.9
62.3
(57.8, 66.6)
3.5
(-2.4, 9.3)
NH
60.3
58.1
73.4
(69.8, 76.7)
15.3*
(10.4, 20.2)
NJ
53.2
54.2
62.1
(58.6, 65.5)
7.8*
(3.0, 12.7)
NM
49.9
55.1
63.6
(57.7, 69.1)
8.5*
(3.8, 13.2)
NY
51.8
51.4
58.8
(56.1, 61.5)
7.4*
(3.7, 11.1)
NC
53.3
59.0
63.0
(59.9, 66.0)
3.9
(-2.0, 9.9)
ND
67.1
55.6
62.8
(59.0, 66.5)
7.2
(-2.6, 17.1)
Geography
All
State
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 111
E.15 Rates of Saving for Unexpected Expenses or Emergencies by State, 2015–2019 (continued)
For All Households
2015
(Percent)
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
OH
58.9
59.2
67.2
(63.4, 70.7)
8.0*
(3.4, 12.6)
OK
52.7
60.0
63.7
(58.8, 68.4)
3.7
(-1.5, 8.9)
OR
65.7
69.4
74.6
(71.8, 77.3)
5.2*
(0.8, 9.6)
PA
60.1
60.2
70.1
(67.3, 72.9)
9.9*
(6.4, 13.5)
RI
59.0
55.1
65.2
(59.9, 70.2)
10.1*
(3.1, 17.1)
SC
60.8
57.8
63.0
(59.2, 66.6)
5.2
(-0.6, 10.9)
SD
63.6
59.9
58.3
(54.0, 62.5)
-1.6
(-7.5, 4.3)
TN
56.3
56.1
58.9
(55.4, 62.4)
2.8
(-1.5, 7.2)
TX
53.0
55.4
58.3
(55.6, 60.9)
2.9
(-0.8, 6.6)
UT
71.3
74.1
74.8
(69.8, 79.2)
0.7
(-4.2, 5.6)
VT
61.9
59.8
67.1
(62.6, 71.3)
7.2*
(1.3, 13.2)
VA
59.4
65.5
67.0
(63.5, 70.4)
1.5
(-3.4, 6.3)
WA
65.9
66.3
71.3
(68.5, 73.9)
5.0*
(1.1, 8.9)
WV
45.8
40.5
57.1
(53.8, 60.4)
16.7*
(12.2, 21.2)
WI
63.2
61.4
70.5
(67.1, 73.7)
9.1*
(4.8, 13.4)
WY
63.9
63.3
66.3
(56.5, 74.8)
3.0
(-5.0, 10.9)
Geography
Asterisk indicates differences that are statistically significant at the 10 percent level.
112 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
E.16 Rates of Saving for Unexpected Expenses or Emergencies by MSA, 2015–2019
For All Households
2015
(Percent)
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
56.3
57.8
64.2
(63.7, 64.7)
6.4*
(5.7, 7.2)
Albuquerque, NM
57.5
61.0
70.9
(66.0, 75.4)
9.9*
(2.8, 17.1)
Atlanta-Sandy Springs-Roswell, GA~
52.4
57.1
66.7
(62.3, 70.7)
9.5*
(2.9, 16.1)
Austin-Round Rock, TX
46.1
62.4
62.2
(55.1, 68.7)
-0.2
(-9.7, 9.3)
Baltimore-Columbia-Towson, MD
66.0
70.4
69.2
(63.3, 74.6)
-1.2
(-9.6, 7.3)
Baton Rouge, LA
62.6
59.2
62.7
(54.8, 70.0)
3.6
(-7.4, 14.6)
Birmingham-Hoover, AL
61.0
40.1
54.1
(46.7, 61.3)
14.0*
(2.2, 25.8)
Boise City, ID
55.7
57.6
58.6
(52.2, 64.7)
1.0
(-8.5, 10.5)
Boston-Cambridge-Newton, MA-NH~
60.4
58.8
70.1
(66.0, 73.9)
11.3*
(5.6, 16.9)
Burlington-South Burlington, VT~
65.2
NA
73.8
(65.8, 80.5)
NA
NA
Charleston, WV~
NA
NA
68.2
(61.3, 74.4)
NA
NA
Charlotte-Concord-Gastonia, NC-SC~
55.0
64.6
70.4
(64.2, 76.0)
5.8
(-2.4, 14.0)
Chicago-Naperville-Elgin, IL-IN-WI
63.8
59.8
63.9
(60.5, 67.1)
4.0
(-0.7, 8.8)
Cincinnati, OH-KY-IN~
50.5
52.7
67.0
(60.5, 72.9)
14.2*
(5.1, 23.4)
Cleveland-Elyria, OH
51.9
62.3
74.3
(67.8, 79.9)
12.0*
(3.8, 20.2)
Columbus, OH~
69.1
64.0
68.3
(60.9, 74.9)
4.3
(-5.9, 14.4)
Dallas-Fort Worth-Arlington, TX~
63.0
59.5
57.1
(52.5, 61.6)
-2.3
(-8.3, 3.6)
Denver-Aurora-Lakewood, CO
68.8
63.0
70.3
(63.3, 76.5)
7.4
(-1.4, 16.2)
Detroit-Warren-Dearborn, MI
64.3
56.1
63.6
(58.4, 68.6)
7.6
(-0.1, 15.2)
Fargo, ND-MN
72.6
60.6
65.5
(58.4, 72.0)
4.9
(-5.1, 15.0)
Hartford-West Hartford-East Hartford,
CT~
67.0
66.5
59.1
(49.8, 67.8)
-7.4
(-18.7, 3.9)
Houston-The Woodlands-Sugar Land,
TX~
53.5
59.1
59.3
(54.1, 64.2)
0.1
(-7.1, 7.4)
Indianapolis-Carmel-Anderson, IN~
56.6
63.0
71.6
(66.7, 76.2)
8.6*
(1.0, 16.3)
Jackson, MS~
58.9
42.3
60.5
(51.8, 68.6)
18.2*
(8.9, 27.5)
Kansas City, MO-KS~
57.8
73.6
74.2
(69.0, 78.8)
0.6
(-6.9, 8.1)
Las Vegas-Henderson-Paradise, NV
57.4
58.3
60.0
(54.7, 65.0)
1.6
(-5.0, 8.3)
Little Rock-North Little Rock-Conway,
AR
52.3
59.1
65.6
(59.0, 71.6)
6.4
(-4.0, 16.9)
Los Angeles-Long Beach-Anaheim, CA
49.6
51.7
58.9
(55.9, 61.9)
7.2*
(2.7, 11.6)
Louisville/Jefferson County, KY-IN~
55.5
63.3
60.7
(52.6, 68.3)
-2.5
(-13.5, 8.4)
Manchester-Nashua, NH~
68.2
58.8
71.6
(64.6, 77.7)
12.7*
(3.9, 21.6)
Memphis, TN-MS-AR~
53.7
46.0
46.1
(37.9, 54.5)
0.1
(-12.4, 12.5)
Miami-Fort Lauderdale-West Palm
Beach, FL
37.8
35.8
49.3
(44.1, 54.5)
13.5*
(6.5, 20.5)
Milwaukee-Waukesha-West Allis, WI
61.3
64.3
67.8
(58.4, 75.9)
3.4
(-8.3, 15.1)
Geography
All
MSA
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 113
E.16 Rates of Saving for Unexpected Expenses or Emergencies by MSA, 2015–2019 (continued)
For All Households
2015
(Percent)
2017
(Percent)
2019
(Percent)
90%
Confidence
Interval,
2019
Difference
(2019–2017)
90%
Confidence
Interval,
Difference
Minneapolis-St. Paul-Bloomington,
MN-WI~
68.1
66.8
78.6
(73.4, 83.0)
11.8*
(5.3, 18.4)
Nashville-Davidson-MurfreesboroFranklin, TN~
71.1
68.1
62.4
(55.2, 69.0)
-5.7
(-15.7, 4.3)
New Orleans-Metairie, LA~
43.8
49.6
60.5
(54.6, 66.1)
10.9*
(2.0, 19.8)
New York-Newark-Jersey City, NY-NJPA~
49.5
48.0
56.2
(53.7, 58.7)
8.2*
(4.5, 11.9)
Oklahoma City, OK
51.7
70.4
71.3
(65.2, 76.8)
0.9
(-8.5, 10.3)
Omaha-Council Bluffs, NE-IA
63.2
71.2
71.9
(66.7, 76.6)
0.7
(-7.8, 9.1)
Orlando-Kissimmee-Sanford, FL
44.3
67.0
73.5
(67.3, 78.9)
6.5
(-2.3, 15.4)
Philadelphia-Camden-Wilmington,
PA-NJ-DE-MD
57.7
62.9
71.3
(67.4, 75.0)
8.4*
(3.3, 13.6)
Phoenix-Mesa-Scottsdale, AZ
64.7
68.1
71.5
(66.8, 75.8)
3.4
(-3.1, 9.9)
Pittsburgh, PA
64.0
62.4
70.8
(64.0, 76.8)
8.4*
(0.3, 16.5)
Portland-South Portland, ME~
69.2
67.3
79.2
(73.4, 84.0)
11.9*
(2.9, 20.9)
Portland-Vancouver-Hillsboro, OR-WA
66.1
74.7
77.3
(73.1, 81.1)
2.6
(-3.2, 8.5)
Providence-Warwick, RI-MA~
55.1
54.7
62.5
(57.0, 67.7)
7.8*
(0.6, 15.0)
Riverside-San Bernardino-Ontario, CA
46.6
52.0
55.2
(49.9, 60.3)
3.2
(-4.5, 10.9)
Sacramento-Roseville-Arden-Arcade,
CA
59.9
57.4
61.7
(53.7, 69.1)
4.3
(-6.2, 14.9)
St. Louis, MO-IL~
68.8
54.8
69.7
(64.2, 74.7)
14.9*
(7.4, 22.5)
Salt Lake City, UT~
72.4
76.8
72.9
(66.1, 78.9)
-3.9
(-11.9, 4.2)
San Antonio-New Braunfels, TX
52.3
54.1
63.7
(56.1, 70.7)
9.6
(-1.2, 20.5)
San Diego-Carlsbad, CA
52.2
60.5
59.2
(53.9, 64.4)
-1.3
(-9.7, 7.0)
San Francisco-Oakland-Hayward, CA
55.0
59.4
64.9
(59.8, 69.6)
5.5
(-2.4, 13.4)
San Jose-Sunnyvale-Santa Clara, CA
NA
68.0
68.1
(60.6, 74.7)
0.1
(-10.2, 10.3)
Seattle-Tacoma-Bellevue, WA
67.4
67.9
75.4
(71.0, 79.3)
7.5*
(2.1, 13.0)
Sioux Falls, SD
71.1
64.0
56.7
(46.4, 66.4)
-7.4
(-18.9, 4.1)
Tampa-St. Petersburg-Clearwater, FL
42.6
48.7
63.1
(57.7, 68.1)
14.3*
(6.0, 22.6)
Tucson, AZ
NA
NA
62.8
(53.2, 71.6)
NA
NA
Tulsa, OK
64.8
66.4
66.4
(58.7, 73.4)
0.0
(-10.6, 10.7)
Urban Honolulu, HI
59.3
58.2
62.3
(57.4, 67.0)
4.1
(-4.1, 12.4)
Virginia Beach-Norfolk-Newport
News, VA-NC~
68.4
66.4
65.9
(59.2, 72.0)
-0.5
(-9.7, 8.8)
Washington-Arlington-Alexandria,
DC-VA-MD-WV~
60.9
67.5
71.3
(67.6, 74.8)
3.8
(-2.4, 9.9)
Wichita, KS~
53.5
57.5
80.2
(70.9, 87.1)
22.7*
(11.6, 33.8)
Worcester, MA-CT~
NA
49.3
64.2
(54.2, 73.2)
14.9*
(2.6, 27.2)
Geography
The tilde symbol indicates areas with geographic boundary changes between the 2013 and 2015 surveys; see Appendix 1 (FDIC
Technical Notes) for details. Asterisk indicates differences that are statistically significant at the 10 percent level. NA indicates that the
sample size is too small to produce a precise estimate.
114 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services
Federal Deposit Insurance Corporation
FDIC-012-2020
| File Type | application/pdf |
| File Title | 2019 FDIC Survey of Household Use of Banking and Financial Services |
| Subject | bank account ownership, unbanked households, banked households, prepaid cards, financial transactions, nonbank financial, bank c |
| Author | FDIC |
| File Modified | 2020-10-01 |
| File Created | 2020-10-01 |