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2017
FDIC National Survey of
Unbanked and Underbanked
Households
Appendix Tables
ECONOMICINCLUSION.GOV
I | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
2017
FDIC National Survey of
Unbanked and Underbanked
Households
OCTOBER 2018
Members of the FDIC Unbanked/
Underbanked Survey Study Group
Gerald Apaam
Susan Burhouse
Karyen Chu
Keith Ernst
Kathryn Fritzdixon
Ryan Goodstein
Alicia Lloro
Charles Opoku
Yazmin Osaki
Dhruv Sharma
Jeffrey Weinstein
FEDERAL DEPOSIT INSURANCE CORPORATION
Division of Depositor and Consumer Protection
ECONOMICINCLUSION.GOV
2017 FDIC National Survey of Unbanked and Underbanked
Households
Appendix Table of Contents
A.
Banking Status of U.S. Households...........................................................................................................................................1
B.
Banked Households: Types of Accounts, Methods Used to Access Accounts, and Bank Branch Visits................................33
C.
Prepaid Cards...........................................................................................................................................................................69
D.
Alternative Financial Services...................................................................................................................................................81
E.
Saving for Unexpected Expenses or Emergencies................................................................................................................. 102
F.
Credit......................................................................................................................................................................................110
G.
How Households Conduct Their Financial Transactions in a Typical Month..........................................................................134
H.
Measuring Economic Inclusion...............................................................................................................................................145
V
2017 FDIC National Survey of Unbanked and Underbanked
Households
List of Appendix Tables
A. Banking Status of U.S. Households
A.1 Banking Status by Household Characteristics, 2017................................................................................................................1
A.2 Distribution of Households by Characteristics and Year, 2013-2017........................................................................................3
A.3 Unbanked Rates by Household Characteristics, 2013-2017....................................................................................................5
A.4 Underbanked Rates by Household Characteristics, 2013-2017...............................................................................................7
A.5 Fully Banked Rates by Household Characteristics, 2013-2017................................................................................................9
A.6 Monthly Income Volatility by Level of Income, 2017...............................................................................................................11
A.7 Banking Status by State, 2017................................................................................................................................................11
A.8 Unbanked Rates by State, 2013-2017....................................................................................................................................13
A.9 Underbanked Rates by State, 2013-2017...............................................................................................................................15
A.10 Fully Banked Rates by State, 2013-2017..............................................................................................................................17
A.11 Banking Status by MSA, 2017...............................................................................................................................................19
A.12 Unbanked Rates by MSA, 2013-2017...................................................................................................................................21
A.13 Underbanked Rates by MSA, 2013-2017..............................................................................................................................23
A.14 Fully Banked Rates by MSA, 2013-2017...............................................................................................................................25
A.15 Proportion of Unbanked Households Not at All Likely to Open an Account by Previous Banking Status and Household
Characteristics, 2013-2017....................................................................................................................................................27
A.16 All Reasons Households Were Unbanked by Previous Banking Status, 2017......................................................................29
A.17 Main Reason Households Were Unbanked by Previous Banking Status, 2017....................................................................30
A.18 All Reasons Households Were Unbanked by Likelihood of Opening an Account, 2017......................................................31
A.19 Main Reason Households Were Unbanked by Likelihood of Opening an Account, 2017....................................................32
B. Banked Households: Types of Accounts, Methods Used to Access Accounts, and Bank Branch Visits
B.1 Types of Accounts Owned by Banked Households, 2017......................................................................................................33
B.2 Savings Account Ownership Rates by Household Characteristics, Banked Households, 2013-2017...................................35
B.3 All Methods Used to Access Bank Accounts by Banking Status and Household Characteristics, 2017...............................37
B.4 Primary Method Used to Access Bank Accounts by Banking Status and Household Characteristics, 2017........................39
B.5 Bank Teller as Primary Method Used to Access Bank Accounts by Banking Status and Household Characteristics,
2013-2017...............................................................................................................................................................................42
B.6 ATM/Kiosk as Primary Method Used to Access Bank Accounts by Banking Status and Household Characteristics,
2013-2017...............................................................................................................................................................................44
B.7 Telephone Banking as Primary Method Used to Access Bank Accounts by Banking Status and Household Characteristics,
2013-2017...............................................................................................................................................................................46
B.8 Online Banking as Primary Method Used to Access Bank Accounts by Banking Status and Household Characteristics,
2013-2017...............................................................................................................................................................................48
B.9 Mobile Banking as Primary Method Used to Access Bank Accounts by Banking Status and Household Characteristics,
2013-2017...............................................................................................................................................................................50
VII
2017 FDIC National Survey of Unbanked and Underbanked
Households
B.10 Use of Bank Teller Only to Access Bank Accounts by Banking Status and Household Characteristics, 2013-2017...........52
B.11 Number of Bank Branch Visits Among Banked Households by Banking Status and Household Characteristics, 2017.....54
B.12 Number of Bank Branch Visits Among Banked Households That Visited a Branch by Banking Status and Household
Characteristics, 2017.............................................................................................................................................................56
B.13 Number of Bank Branch Visits Among Unbanked Households by Previous Banking Status and Household Characteristics,
2017.......................................................................................................................................................................................58
B.14 Mobile Activities Among Banked Households by Banking Status and Household Characteristics, 2017...........................60
B.15 Mobile Phone Access by Banking Status and Household Characteristics, 2013-2017.......................................................63
B.16 Smartphone Access by Banking Status and Household Characteristics, 2013-2017..........................................................65
B.17 Internet Access at Home by Banking Status and Household Characteristics, 2015-2017...................................................67
C. Prepaid Cards
C.1 Prepaid Card Use by Banking Status and Household Characteristics, 2013-2017................................................................69
C.2 Prepaid Card Use Among Unbanked Households by Previous Banking Status and Household Characteristics,
2013-2017...............................................................................................................................................................................71
C.3 Prepaid Card Use by State, 2013-2017..................................................................................................................................73
C.4 Prepaid Card Use by MSA, 2013-2017...................................................................................................................................75
C.5 Sources of Prepaid Cards by Banking Status and Household Characteristics, 2017............................................................78
D. Alternative Financial Services
D.1 AFS Use by Bank Account Ownership and Household Characteristics, 2013-2017..............................................................81
D.2 Transaction AFS Use by Bank Account Ownership and Household Characteristics, 2013-2017..........................................83
D.3 Credit AFS Use by Bank Account Ownership and Household Characteristics, 2013-2017...................................................85
D.4 AFS Use by State, 2013-2017.................................................................................................................................................87
D.5 Transaction AFS Use by State, 2013-2017.............................................................................................................................89
D.6 Credit AFS Use by State, 2013-2017......................................................................................................................................91
D.7 AFS Use by MSA, 2013-2017.................................................................................................................................................93
D.8 Transaction AFS Use by MSA, 2013-2017..............................................................................................................................96
D.9 Credit AFS Use by MSA, 2013-2017.......................................................................................................................................99
E. Saving for Unexpected Expenses or Emergencies
E.1 Rates of Saving for Unexpected Expenses or Emergencies by Banking Status and Household Characteristics,
2015-2017.............................................................................................................................................................................102
E.2 Rates of Saving for Unexpected Expenses or Emergencies by State, 2015-2017...............................................................104
E.3 Rates of Saving for Unexpected Expenses or Emergencies by MSA, 2015-2017................................................................106
E.4 Savings Methods by Banking Status and Household Characteristics, 2017........................................................................108
VIII | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
2017 FDIC National Survey of Unbanked and Underbanked
Households
F. Credit
F.1 Use of Mainstream Credit Products by Banking Status and Household Characteristics, 2017............................................110
F.2 Use of Mainstream Credit Products by State, 2017...............................................................................................................113
F.3 Use of Mainstream Credit Products by MSA, 2017...............................................................................................................115
F.4 Ownership of Credit Cards From Visa, MasterCard, American Express, or Discover by Banking Status and Household
Characteristics, 2015-2017....................................................................................................................................................118
F.5 Applied for Credit Card or Bank Personal Loan by Banking Status and Household Characteristics, 2015-2017.................120
F.6 Denied Credit Card or Bank Personal Loan by Banking Status and Household Characteristics, 2015-2017.......................122
F.7 Felt Discouraged About Applying for Credit Card or Bank Personal Loan by Banking Status and Household
Characteristics, 2015-2017....................................................................................................................................................124
F.8 Fell Behind on Bills by Banking Status and Household Characteristics, 2015-2017.............................................................126
F.9 Denied Credit Card or Bank Personal Loan, Conditional on Applying, by Banking Status and Household
Characteristics, 2015-2017....................................................................................................................................................128
F.10 Credit Characteristics by State, 2017..................................................................................................................................130
F.11 Credit Characteristics by MSA, 2017...................................................................................................................................132
G. How Households Conduct Their Financial Transactions in a Typical Month
G.1 Methods Used to Pay Bills and Receive Income in a Typical Month, 2015-2017 (2015 Sample Selection).........................134
G.2 Methods Used to Pay Bills in a Typical Month by Banking Status, 2017.............................................................................135
G.3 Methods Used to Receive Income in a Typical Month by Banking Status, 2017.................................................................136
G.4 Methods Used to Pay Bills in a Typical Month by Income, 2017..........................................................................................137
G.5 Methods Used to Receive Income in a Typical Month by Income, 2017..............................................................................138
G.6 Methods Used to Pay Bills in a Typical Month by Education, 2017......................................................................................139
G.7 Methods Used to Receive Income in a Typical Month by Education, 2017..........................................................................140
G.8 Methods Used to Pay Bills in a Typical Month by Age, 2017...............................................................................................141
G.9 Methods Used to Receive Income in a Typical Month by Age, 2017...................................................................................142
G.10 Methods Used to Pay Bills in a Typical Month by Race/Ethnicity, 2017.............................................................................143
G.11 Methods Used to Receive Income in a Typical Month by Race/Ethnicity, 2017.................................................................144
H. Measuring Economic Inclusion
H.1 Household Characteristics by Use of Bank Methods to Pay Bills and Receive Income in a Typical Month, 2017..............145
IX
A.1 Banking Status by Household Characteristics, 2017
For all households, row percent
Number of
Households
(1000s)
Percent of
Households
Unbanked
(Percent)
Banked:
Underbanked
(Percent)
Banked:
Fully banked
(Percent)
Banked:
Underbanked
status
unknown
(Percent)
129,276
100.0
6.5
18.7
68.4
6.3
Less than $15,000
15,997
100.0
25.7
20.9
47.7
5.7
$15,000 to $30,000
19,842
100.0
12.3
22.4
58.3
7.0
$30,000 to $50,000
25,610
100.0
5.1
22.8
65.4
6.8
$50,000 to $75,000
23,763
100.0
1.5
19.7
72.8
6.0
At least $75,000
44,064
100.0
0.6
13.3
79.9
6.2
No high school diploma
12,461
100.0
22.4
24.3
46.3
7.0
High school diploma
33,334
100.0
9.4
20.3
63.7
6.5
Some college
37,355
100.0
5.1
20.8
67.8
6.3
College degree
46,127
100.0
1.3
14.4
78.3
6.1
15 to 24 years
6,625
100.0
10.0
29.3
56.5
4.2
25 to 34 years
20,997
100.0
8.5
23.1
62.5
5.9
35 to 44 years
21,532
100.0
7.8
22.2
63.6
6.5
45 to 54 years
23,277
100.0
6.9
19.3
67.1
6.7
55 to 64 years
24,484
100.0
5.9
17.8
70.3
6.0
65 years or more
32,361
100.0
3.9
11.6
77.5
7.0
Characteristics
All
Family income
Education
Age group
Race/Ethnicity
Black
18,201
100.0
16.9
30.4
45.8
6.9
Hispanic
16,655
100.0
14.0
28.9
49.7
7.4
Asian
6,792
100.0
2.5
17.5
69.2
10.8
White
85,599
100.0
3.0
14.1
77.1
5.7
Other
2,030
100.0
12.8
28.0
55.8
3.3
Disabled, age 25 to 64
11,297
100.0
18.1
24.7
52.2
5.0
Not disabled, age 25 to 64
78,993
100.0
5.7
19.9
68.0
6.4
Not applicable (not age 25 to 64)
38,985
100.0
4.9
14.6
73.9
6.5
Income was about the same
each month
92,113
100.0
5.6
18.1
75.2
1.0
Income varied somewhat from
month to month
20,966
100.0
6.8
26.2
66.1
0.9
Income varied a lot from month
to month
4,992
100.0
13.2
28.2
57.9
0.7
Unknown
11,205
100.0
10.5
5.1
21.6
62.8
Employed
79,436
100.0
4.5
20.4
68.8
6.3
Unemployed
3,433
100.0
19.9
23.9
51.4
4.8
Not in labor force
46,407
100.0
9.0
15.4
69.0
6.6
Disability status
Monthly income volatility
Employment status
1 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.1 Banking Status by Household Characteristics, 2017
For all households, row percent
Number of
Households
(1000s)
Percent of
Households
Unbanked
(Percent)
Banked:
Underbanked
(Percent)
Banked:
Fully banked
(Percent)
Banked:
Underbanked
status
unknown
(Percent)
Homeowner
82,241
100.0
2.3
14.2
77.2
6.3
Non-homeowner
47,035
100.0
14.0
26.5
53.1
6.4
Married couple
61,138
100.0
2.5
16.9
74.3
6.3
Unmarried female-headed family
15,172
100.0
15.4
27.5
51.2
5.9
Unmarried male-headed family
6,600
100.0
9.9
25.4
58.5
6.2
Female individual
24,262
100.0
7.6
15.7
70.0
6.6
Male individual
21,776
100.0
9.2
18.9
65.3
6.6
NA
NA
NA
NA
NA
NA
U.S.-born
110,238
100.0
5.9
17.3
71.1
5.7
Foreign-born citizen
10,143
100.0
4.8
23.3
60.9
11.0
Foreign-born non-citizen
8,895
100.0
16.2
31.0
43.9
8.9
124,329
100.0
5.8
18.2
69.7
6.3
4,947
100.0
24.4
32.2
36.0
7.4
Metropolitan area - principal city
38,497
100.0
9.4
21.2
62.4
7.1
Metropolitan area - balance
55,313
100.0
4.5
17.1
71.5
6.8
Not in metropolitan area
17,366
100.0
7.5
18.8
69.3
4.5
Not identified
18,100
100.0
5.6
18.3
71.1
5.1
Northeast
22,776
100.0
6.0
17.9
69.0
7.2
Midwest
27,719
100.0
5.4
15.8
73.3
5.5
Characteristics
Homeownership
Household type
Other
Nativity
Spanish only language spoken
Spanish is not only language
spoken
Spanish is only language spoken
Metropolitan status
Geographic region
South
49,360
100.0
7.7
21.0
65.1
6.2
West
29,420
100.0
6.0
18.2
69.1
6.7
NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than
zero. Estimates do not always reconcile to totals because of rounding.
2
A.2 Distribution of Households by Characteristics and Year, 2013-2017
For all households, column percent
Characteristics
2013
2015
2017
123,750
127,538
129,276
100.0
100.0
100.0
Less than $15,000
15.4
14.1
12.4
$15,000 to $30,000
17.6
16.8
15.3
$30,000 to $50,000
19.8
19.9
19.8
$50,000 to $75,000
18.2
18.0
18.4
At least $75,000
29.0
31.2
34.1
No high school diploma
11.2
10.8
9.6
High school diploma
27.2
26.1
25.8
Some college
29.1
29.4
28.9
College degree
32.5
33.7
35.7
15 to 24 years
5.0
5.2
5.1
25 to 34 years
16.5
16.5
16.2
35 to 44 years
17.3
17.0
16.7
45 to 54 years
19.8
18.6
18.0
55 to 64 years
18.4
18.8
18.9
65 years or more
22.9
23.9
25.0
Black
13.6
14.1
14.1
Hispanic
12.1
12.6
12.9
Asian
4.8
4.9
5.3
White
68.1
67.0
66.2
Other
1.4
1.4
1.6
Disabled, age 25 to 64
8.8
9.0
8.7
Not disabled, age 25 to 64
63.3
61.9
61.1
Not applicable (not age 25 to 64)
28.0
29.1
30.2
Income was about the same each month
71.8
71.3
Income varied somewhat from month to month
16.3
16.2
Income varied a lot from month to month
4.5
3.9
Unknown
7.3
8.7
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)
Employed
61.1
61.3
61.4
Unemployed
4.4
3.0
2.7
Not in labor force
34.5
35.7
35.9
3 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.2 Distribution of Households by Characteristics and Year, 2013-2017
For all households, column percent
Characteristics
2013
2015
2017
Homeowner
64.8
63.3
63.6
Non-homeowner
35.2
36.7
36.4
Married couple
47.8
46.7
47.3
Unmarried female-headed family
12.8
12.5
11.7
Unmarried male-headed family
5.1
4.8
5.1
Female individual
17.9
18.4
18.8
Male individual
16.4
17.3
16.8
Other
0.1
0.2
0.3
U.S.-born
86.0
85.2
85.3
Foreign-born citizen
7.5
7.6
7.8
Foreign-born non-citizen
6.5
7.2
6.9
Spanish is not only language spoken
97.9
97.8
96.2
Spanish is only language spoken
2.1
2.2
3.8
Metropolitan area - principal city
27.9
28.6
29.8
Metropolitan area - balance
41.4
42.8
42.8
Not in metropolitan area
15.6
14.0
13.4
Not identified
15.1
14.5
14.0
Northeast
17.9
17.8
17.6
Midwest
22.1
21.7
21.4
South
37.8
37.9
38.2
West
22.2
22.6
22.8
Homeownership (Percent)
Household type (Percent)
Nativity (Percent)
Spanish only language spoken (Percent)
Metropolitan status (Percent)
Geographic region (Percent)
Monthly income volatility is not available in 2013. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero.
The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
4
A.3 Unbanked Rates by Household Characteristics, 2013-2017
For all households
2013
(Percent)
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval, Difference
7.7
7.0
6.5
(6.2, 6.8)
-0.5*
(-0.9, -0.1)
Less than $15,000
27.7
25.6
25.7
(24.4, 27.0)
0.1
(-1.8, 2.0)
$15,000 to $30,000
11.4
11.8
12.3
(11.2, 13.4)
0.4
(-0.9, 1.7)
$30,000 to $50,000
5.1
5.0
5.1
(4.5, 5.6)
0.1
(-0.7, 0.8)
$50,000 to $75,000
1.7
1.6
1.5
(1.2, 1.8)
-0.1
(-0.6, 0.3)
At least $75,000
0.5
0.5
0.6
(0.4, 0.7)
0.1
(-0.1, 0.3)
No high school diploma
25.1
23.2
22.4
(20.9, 24.0)
-0.8
(-2.8, 1.2)
High school diploma
10.8
9.7
9.4
(8.9, 10.1)
-0.2
(-1.1, 0.6)
Some college
5.6
5.5
5.1
(4.7, 5.6)
-0.4
(-1.0, 0.3)
College degree
1.1
1.1
1.3
(1.1, 1.5)
0.1
(-0.2, 0.4)
15 to 24 years
15.7
13.1
10.0
(8.5, 11.7)
-3.1*
(-5.3, -0.8)
25 to 34 years
12.5
10.6
8.5
(7.7, 9.4)
-2.1*
(-3.3, -1.0)
35 to 44 years
9.0
8.9
7.8
(7.1, 8.5)
-1.2*
(-2.1, -0.2)
45 to 54 years
7.5
6.7
6.9
(6.2, 7.6)
0.2
(-0.7, 1.1)
55 to 64 years
5.6
5.8
5.9
(5.3, 6.6)
0.1
(-0.7, 0.9)
65 years or more
3.5
3.1
3.9
(3.5, 4.3)
0.8*
(0.2, 1.4)
Black
20.6
18.2
16.9
(15.7, 18.1)
-1.3
(-3.0, 0.4)
Hispanic
17.9
16.2
14.0
(12.8, 15.2)
-2.3*
(-4.0, -0.6)
Asian
2.2
4.0
2.5
(1.8, 3.5)
-1.5*
(-2.9, -0.1)
White
3.6
3.1
3.0
(2.8, 3.3)
-0.1
(-0.4, 0.3)
Other
15.0
11.1
12.8
(10.7, 15.3)
1.7
(-1.4, 4.8)
Disabled, age 25 to 64
18.4
17.6
18.1
(16.7, 19.5)
0.5
(-1.4, 2.4)
Not disabled, age 25 to 64
7.2
6.5
5.7
(5.3, 6.0)
-0.8*
(-1.4, -0.3)
Not applicable (not age 25 to 64)
5.7
4.9
4.9
(4.5, 5.4)
0.0
(-0.6, 0.7)
Income was about the same
each month
5.7
5.6
(5.3, 6.0)
-0.1
(-0.5, 0.3)
Income varied somewhat from
month to month
8.7
6.8
(6.1, 7.5)
-1.9*
(-3.0, -0.9)
Income varied a lot from month
to month
12.9
13.2
(11.4, 15.1)
0.3
(-2.4, 3.0)
Unknown
12.7
10.5
(9.4, 11.6)
-2.3*
(-4.2, -0.4)
Characteristics
All
Family income
Education
Age group
Race/Ethnicity
Disability status
Monthly income volatility
Employment status
Employed
5.4
5.0
4.5
(4.2, 4.8)
-0.5*
(-0.9, 0.0)
Unemployed
23.0
23.0
19.9
(17.1, 23.0)
-3.1
(-7.3, 1.1)
Not in labor force
9.9
9.2
9.0
(8.5, 9.5)
-0.2
(-1.0, 0.5)
5 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.3 Unbanked Rates by Household Characteristics, 2013-2017
For all households
2013
(Percent)
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval, Difference
Homeowner
2.6
2.3
2.3
(2.1, 2.5)
0.0
(-0.4, 0.3)
Non-homeowner
17.3
15.2
14.0
(13.3, 14.6)
-1.2*
(-2.1, -0.3)
Married couple
3.4
3.3
2.5
(2.3, 2.8)
-0.8*
(-1.2, -0.4)
Unmarried female-headed family
18.4
16.2
15.4
(14.4, 16.5)
-0.8
(-2.4, 0.9)
Unmarried male-headed family
13.2
9.8
9.9
(8.4, 11.6)
0.0
(-2.2, 2.2)
Female individual
7.4
6.8
7.6
(7.0, 8.2)
0.8
(-0.1, 1.6)
Male individual
10.7
9.8
9.2
(8.5, 9.9)
-0.7
(-1.6, 0.3)
Other
NA
NA
NA
NA
NA
NA
6.9
6.1
5.9
(5.6, 6.2)
-0.2
(-0.6, 0.2)
Characteristics
Homeownership
Household type
Nativity
U.S.-born
Foreign-born citizen
4.7
4.6
4.8
(4.0, 5.8)
0.2
(-1.2, 1.6)
Foreign-born non-citizen
22.7
20.3
16.2
(14.7, 17.8)
-4.0*
(-6.5, -1.6)
Spanish is not only language spoken
7.1
6.5
5.8
(5.5, 6.1)
-0.7*
(-1.0, -0.3)
Spanish is only language spoken
34.9
31.0
24.4
(21.6, 27.5)
-6.6*
(-11.2, -1.9)
Metropolitan area - principal city
11.4
10.3
9.4
(8.7, 10.0)
-0.9
(-1.8, 0.0)
Metropolitan area - balance
5.5
5.2
4.5
(4.2, 4.9)
-0.7*
(-1.2, -0.1)
Not in metropolitan area
8.5
7.6
7.5
(6.7, 8.4)
-0.1
(-1.2, 0.9)
Not identified
6.4
5.4
5.6
(4.9, 6.3)
0.2
(-0.6, 1.0)
Northeast
6.8
6.3
6.0
(5.3, 6.7)
-0.4
(-1.4, 0.6)
Midwest
6.4
5.7
5.4
(4.9, 6.0)
-0.3
(-1.0, 0.4)
South
9.2
8.7
7.7
(7.2, 8.3)
-1.0*
(-1.8, -0.3)
West
7.4
5.9
6.0
(5.4, 6.6)
0.0
(-0.7, 0.8)
Spanish only language spoken
Metropolitan status
Geographic region
Monthly income volatility is not available in 2013. * indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is too
small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile
to totals because of rounding.
6
A.4 U
nderbanked Rates by Household Characteristics, 2013-2017
For all households
2013
(Percent)
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval, Difference
20.0
19.9
18.7
(18.3, 19.1)
-1.2*
(-1.8, -0.6)
Less than $15,000
22.4
24.3
20.9
(19.8, 22.1)
-3.4*
(-5.1, -1.7)
$15,000 to $30,000
25.0
23.6
22.4
(21.3, 23.6)
-1.2
(-2.7, 0.4)
$30,000 to $50,000
23.3
23.7
22.8
(21.8, 23.9)
-0.9
(-2.3, 0.4)
$50,000 to $75,000
19.8
20.2
19.7
(18.7, 20.7)
-0.5
(-2.0, 0.9)
At least $75,000
13.6
13.4
13.3
(12.8, 13.8)
-0.1
(-0.8, 0.7)
No high school diploma
24.1
25.9
24.3
(22.9, 25.7)
-1.6
(-3.4, 0.1)
High school diploma
21.9
22.2
20.3
(19.5, 21.2)
-1.8*
(-3.1, -0.6)
Some college
23.0
22.0
20.8
(20.0, 21.6)
-1.2*
(-2.4, -0.1)
College degree
14.3
14.5
14.4
(13.7, 15.0)
-0.1
(-1.0, 0.7)
15 to 24 years
30.8
29.4
29.3
(27.0, 31.7)
-0.1
(-3.5, 3.3)
25 to 34 years
24.7
24.5
23.1
(22.1, 24.3)
-1.4
(-2.9, 0.2)
35 to 44 years
23.8
22.7
22.2
(21.2, 23.2)
-0.5
(-1.9, 1.0)
45 to 54 years
21.9
21.1
19.3
(18.3, 20.3)
-1.8*
(-3.2, -0.4)
55 to 64 years
17.7
18.5
17.8
(16.8, 18.8)
-0.8
(-2.1, 0.5)
65 years or more
11.6
13.0
11.6
(11.0, 12.3)
-1.4*
(-2.3, -0.4)
Black
33.2
31.1
30.4
(29.1, 31.8)
-0.7
(-2.7, 1.3)
Hispanic
28.6
29.3
28.9
(27.7, 30.2)
-0.3
(-2.2, 1.6)
Asian
17.7
21.0
17.5
(15.6, 19.6)
-3.5*
(-6.5, -0.4)
White
15.9
15.6
14.1
(13.7, 14.5)
-1.5*
(-2.1, -0.9)
Other
25.3
27.5
28.0
(24.4, 32.0)
0.5
(-4.4, 5.4)
Disabled, age 25 to 64
28.1
28.4
24.7
(23.3, 26.2)
-3.7*
(-5.7, -1.7)
Not disabled, age 25 to 64
21.1
20.6
19.9
(19.3, 20.4)
-0.7
(-1.5, 0.0)
Not applicable
(not age 25 to 64)
15.1
15.9
14.6
(14.0, 15.3)
-1.3*
(-2.3, -0.3)
Income was about the same each
month
19.1
18.1
(17.7, 18.6)
-1.0*
(-1.6, -0.3)
Income varied somewhat from month
to month
26.6
26.2
(25.0, 27.4)
-0.5
(-2.1, 1.2)
Income varied a lot from month to
month
30.9
28.2
(26.1, 30.5)
-2.7
(-5.9, 0.6)
Unknown
6.3
5.1
(4.3, 6.0)
-1.3
(-2.5, 0.0)
Characteristics
All
Family income
Education
Age group
Race/Ethnicity
Disability status
Monthly income volatility
Employment status
Employed
21.7
21.4
20.4
(19.9, 20.9)
-1.0*
(-1.8, -0.2)
Unemployed
25.3
24.8
23.9
(21.3, 26.7)
-0.9
(-4.5, 2.7)
Not in labor force
16.3
17.1
15.4
(14.8, 16.0)
-1.6*
(-2.6, -0.7)
7 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.4 U
nderbanked Rates by Household Characteristics, 2013-2017
For all households
2013
(Percent)
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval, Difference
Homeowner
15.5
15.4
14.2
(13.8, 14.7)
-1.2*
(-1.8, -0.5)
Non-homeowner
28.2
27.7
26.5
(25.6, 27.4)
-1.2
(-2.4, 0.0)
Married couple
17.7
17.6
16.9
(16.4, 17.4)
-0.6
(-1.4, 0.2)
Unmarried
female-headed family
29.2
29.1
27.5
(26.1, 29.0)
-1.6
(-3.4, 0.3)
Unmarried
male-headed family
28.3
27.0
25.4
(23.4, 27.5)
-1.6
(-4.3, 1.0)
Female individual
17.2
18.1
15.7
(14.8, 16.7)
-2.4*
(-3.6, -1.1)
Male individual
20.0
19.6
18.9
(17.8, 20.0)
-0.7
(-2.2, 0.8)
Other
NA
NA
NA
NA
NA
NA
U.S.-born
19.1
18.4
17.3
(16.9, 17.7)
-1.1*
(-1.7, -0.5)
Foreign-born citizen
24.0
25.6
23.3
(21.6, 25.1)
-2.4
(-4.8, 0.1)
Foreign-born non-citizen
28.0
32.5
31.0
(29.1, 33.0)
-1.4
(-4.3, 1.4)
Spanish is not only
language spoken
19.9
19.7
18.2
(17.7, 18.6)
-1.6*
(-2.1, -1.0)
Spanish is only
language spoken
23.7
29.1
32.2
(29.3, 35.2)
3.0
(-1.2, 7.3)
Metropolitan
area - principal city
22.3
23.2
21.2
(20.3, 22.1)
-2.0*
(-3.3, -0.7)
Metropolitan area - balance
17.8
17.5
17.1
(16.5, 17.7)
-0.4
(-1.4, 0.5)
Not in metropolitan area
21.0
21.4
18.8
(17.7, 19.9)
-2.7*
(-4.4, -0.9)
Not identified
20.8
19.2
18.3
(17.1, 19.5)
-0.9
(-2.4, 0.6)
Northeast
19.3
19.3
17.9
(16.9, 18.8)
-1.4*
(-2.8, -0.1)
Midwest
16.9
17.5
15.8
(15.0, 16.6)
-1.7*
(-2.9, -0.6)
South
23.5
21.6
21.0
(20.3, 21.8)
-0.6
(-1.6, 0.4)
West
17.6
19.9
18.2
(17.4, 19.1)
-1.7*
(-2.9, -0.5)
Characteristics
Homeownership
Household type
Nativity
Spanish only
language spoken
Metropolitan status
Geographic region
Monthly income volatility is not available in 2013. * indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is too
small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile
to totals because of rounding.
8
A.5 Fully Banked Rates by Household Characteristics, 2013-2017
For all households
2013
(Percent)
2015
(Percent)
2017
(Percent)
90%
Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval, Difference
67.0
68.0
68.4
(67.9, 68.9)
0.4
(-0.3, 1.1)
Less than $15,000
45.2
45.1
47.7
(46.1, 49.2)
2.6*
(0.4, 4.7)
$15,000 to $30,000
57.9
59.5
58.3
(57.0, 59.7)
-1.1
(-2.9, 0.6)
$30,000 to $50,000
65.7
66.2
65.4
(64.1, 66.6)
-0.8
(-2.4, 0.8)
$50,000 to $75,000
73.2
73.0
72.8
(71.8, 73.8)
-0.2
(-1.8, 1.4)
At least $75,000
81.0
81.3
79.9
(79.2, 80.6)
-1.3*
(-2.3, -0.4)
No high school diploma
46.3
46.4
46.3
(44.6, 47.9)
-0.1
(-2.4, 2.2)
High school diploma
61.7
62.9
63.7
(62.8, 64.7)
0.8
(-0.6, 2.3)
Some college
66.2
67.7
67.8
(66.9, 68.7)
0.1
(-1.3, 1.4)
College degree
79.3
79.1
78.3
(77.6, 79.1)
-0.8
(-1.8, 0.2)
15 to 24 years
48.8
52.1
56.5
(54.2, 58.9)
4.5*
(1.1, 7.9)
25 to 34 years
58.3
60.8
62.5
(61.2, 63.7)
1.6
(-0.3, 3.6)
35 to 44 years
62.5
63.1
63.6
(62.5, 64.6)
0.5
(-1.2, 2.1)
Characteristics
All
Family income
Education
Age group
45 to 54 years
65.4
67.5
67.1
(65.9, 68.4)
-0.3
(-2.0, 1.4)
55 to 64 years
71.7
70.9
70.3
(69.1, 71.4)
-0.6
(-2.0, 0.9)
65 years or more
78.2
78.1
77.5
(76.7, 78.3)
-0.6
(-1.8, 0.6)
Black
40.0
45.5
45.8
(44.2, 47.4)
0.3
(-2.0, 2.6)
Hispanic
48.4
48.9
49.7
(48.0, 51.4)
0.8
(-1.5, 3.0)
Asian
73.4
67.2
69.2
(66.8, 71.5)
2.0
(-1.4, 5.5)
White
75.4
76.6
77.1
(76.6, 77.6)
0.5
(-0.2, 1.2)
Other
55.2
56.7
55.8
(51.4, 60.2)
-0.9
(-6.4, 4.7)
Disabled, age 25 to 64
49.0
49.7
52.2
(50.3, 54.1)
2.5
(-0.1, 5.1)
Not disabled, age 25 to 64
66.8
68.1
68.0
(67.4, 68.7)
-0.1
(-1.0, 0.8)
Not applicable
(not age 25 to 64)
72.9
73.4
73.9
(73.1, 74.7)
0.5
(-0.7, 1.7)
Income was about the
same each month
74.4
75.2
(74.7, 75.7)
0.8*
(0.1, 1.5)
Income varied somewhat from month
to month
64.0
66.1
(64.7, 67.6)
2.1*
(0.3, 3.9)
Income varied a lot from month to
month
55.2
57.9
(55.3, 60.4)
2.7
(-1.0, 6.3)
Unknown
22.2
21.6
(20.3, 23.0)
-0.5
(-2.6, 1.5)
Race/Ethnicity
Disability status
Monthly income volatility
Employment status
Employed
67.8
68.7
68.8
(68.2, 69.5)
0.1
(-0.8, 1.1)
Unemployed
47.8
48.6
51.4
(47.9, 54.9)
2.8
(-1.6, 7.2)
Not in labor force
67.9
68.5
69.0
(68.2, 69.8)
0.5
(-0.6, 1.7)
9 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.5 Fully Banked Rates by Household Characteristics, 2013-2017
For all households
2013
(Percent)
2015
(Percent)
2017
(Percent)
90%
Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval, Difference
Homeowner
76.7
77.4
77.2
(76.6, 77.7)
-0.2
(-1.0, 0.6)
Non-homeowner
49.2
51.8
53.1
(52.2, 54.1)
1.3
(0.0, 2.7)
Characteristics
Homeownership
Household type
Married couple
73.9
74.4
74.3
(73.6, 74.9)
-0.2
(-1.1, 0.8)
Unmarried
female-headed family
47.5
49.6
51.2
(49.7, 52.6)
1.5
(-0.5, 3.6)
Unmarried
male-headed family
53.7
57.3
58.5
(56.0, 61.0)
1.2
(-2.0, 4.5)
Female individual
69.4
69.5
70.0
(68.8, 71.2)
0.5
(-1.1, 2.0)
Male individual
63.7
65.5
65.3
(64.0, 66.6)
-0.3
(-2.0, 1.5)
Other
NA
NA
NA
NA
NA
NA
U.S.-born
69.0
70.7
71.1
(70.6, 71.6)
0.4
(-0.3, 1.1)
Foreign-born citizen
64.6
62.9
60.9
(58.8, 62.9)
-2.0
(-5.0, 1.0)
Foreign-born non-citizen
43.9
41.2
43.9
(41.8, 45.9)
2.7
(-0.3, 5.7)
Spanish is not only
language spoken
67.6
68.8
69.7
(69.2, 70.2)
0.9*
(0.2, 1.6)
Spanish is only
language spoken
38.1
33.9
36.0
(32.8, 39.4)
2.1
(-2.6, 6.9)
Metropolitan
area - principal city
60.8
60.8
62.4
(61.3, 63.4)
1.5*
(0.0, 3.0)
Metropolitan area - balance
71.1
72.0
71.5
(70.7, 72.3)
-0.4
(-1.5, 0.7)
Not in metropolitan area
66.1
67.3
69.3
(68.0, 70.5)
1.9
(0.0, 3.9)
Not identified
68.1
71.2
71.1
(69.5, 72.6)
-0.1
(-2.0, 1.7)
Northeast
68.4
67.9
69.0
(67.8, 70.1)
1.1
(-0.6, 2.7)
Midwest
71.4
72.5
73.3
(72.1, 74.4)
0.8
(-0.6, 2.3)
South
62.1
65.0
65.1
(64.2, 66.0)
0.1
(-1.1, 1.3)
West
69.6
68.9
69.1
(68.0, 70.1)
0.2
(-1.3, 1.7)
Nativity
Spanish only
language spoken
Metropolitan status
Geographic region
Monthly income volatility is not available in 2013. * indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is too
small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile
to totals because of rounding.
10
A.6 Monthly Income Volatility by Level of Income, 2017
For all households, row percent
Number of
Households
(1000s)
Percent of
Households
Income
was about
the same
each month
(Percent)
Income varied
somewhat
from month
to month
(Percent)
Income
varied a lot
from month
to month
(Percent)
Unknown
(Percent)
129,276
100.0
71.3
16.2
3.9
8.7
Less than $15,000
15,997
100.0
70.6
12.5
5.8
11.0
$15,000 to $30,000
19,842
100.0
70.2
15.7
4.1
10.1
$30,000 to $50,000
25,610
100.0
70.6
16.8
3.8
8.8
$50,000 to $75,000
23,763
100.0
71.4
17.7
3.3
7.6
At least $75,000
44,064
100.0
72.3
16.7
3.4
7.7
Characteristics
All
Family income
NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than
zero. Estimates do not always reconcile to totals because of rounding.
A.7 Banking Status by State, 2017
For all households, row percent
Geography
All
Number of
Households
(1000s)
Percent of
Households
Unbanked
(Percent)
Banked:
Underbanked
(Percent)
Banked:
Fully banked
(Percent)
Banked:
Underbanked
status unknown
(Percent)
129,276
100.0
6.5
18.7
68.4
6.3
State
AL
2,064
100.0
8.7
22.3
63.3
5.7
AK
275
100.0
2.6
21.8
71.8
3.8
AZ
2,629
100.0
5.4
18.7
69.7
6.2
AR
1,206
100.0
7.5
19.0
70.0
3.6
CA
14,756
100.0
7.4
17.6
67.4
7.5
CO
2,197
100.0
4.2
17.3
70.9
7.6
CT
1,493
100.0
5.5
15.3
68.5
10.6
DE
398
100.0
5.9
15.0
69.8
9.3
DC
342
100.0
8.0
21.2
62.6
8.2
FL
8,912
100.0
6.0
18.3
66.0
9.7
GA
4,057
100.0
10.6
24.1
60.0
5.2
HI
524
100.0
4.0
15.0
74.9
6.0
ID
655
100.0
2.3
17.9
75.4
4.4
IL
4,993
100.0
7.0
15.3
72.0
5.7
IN
2,633
100.0
4.4
18.8
73.8
3.0
IA
1,377
100.0
3.0
13.5
72.6
10.9
KS
1,181
100.0
7.2
20.0
69.2
3.6
KY
1,851
100.0
7.2
19.6
70.0
3.2
LA
1,977
100.0
14.8
21.4
60.0
3.8
ME
558
100.0
4.0
18.8
71.0
6.2
MD
2,321
100.0
2.5
19.7
69.8
7.9
MA
2,668
100.0
2.6
18.0
69.8
9.5
MI
4,215
100.0
5.6
15.2
71.3
7.8
11 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.7 Banking Status by State, 2017
For all households, row percent
Number of
Households
(1000s)
Percent of
Households
Unbanked
(Percent)
Banked:
Underbanked
(Percent)
Banked:
Fully banked
(Percent)
Banked:
Underbanked
status unknown
(Percent)
MN
2,343
100.0
1.5
12.5
82.9
3.1
MS
1,206
100.0
15.8
22.5
57.4
4.2
MO
2,501
100.0
6.3
16.8
70.9
6.0
MT
445
100.0
4.3
16.1
74.6
5.0
NE
776
100.0
2.8
18.8
74.2
4.2
NV
1,170
100.0
6.1
25.1
60.4
8.4
NH
548
100.0
3.4
13.1
76.5
7.0
NJ
3,494
100.0
5.0
19.6
68.1
7.2
NM
866
100.0
11.4
22.2
63.0
3.4
NY
8,128
100.0
8.7
17.2
66.1
8.0
NC
4,244
100.0
5.8
18.4
69.3
6.5
ND
333
100.0
6.3
16.7
74.0
2.9
Geography
OH
4,680
100.0
7.0
17.4
69.7
5.8
OK
1,582
100.0
7.3
21.7
67.2
3.8
OR
1,671
100.0
4.2
20.1
69.3
6.4
PA
5,159
100.0
4.7
19.3
72.0
3.9
RI
464
100.0
6.5
15.7
70.0
7.8
SC
2,021
100.0
6.7
19.4
71.0
2.9
SD
348
100.0
8.1
14.7
71.7
5.4
TN
2,693
100.0
7.5
21.2
64.9
6.4
TX
10,438
100.0
9.5
24.2
60.5
5.8
UT
1,049
100.0
2.5
16.1
76.6
4.8
VT
265
100.0
1.5
11.6
81.9
5.0
VA
3,277
100.0
3.0
20.6
71.3
5.1
WA
2,939
100.0
3.1
17.6
74.2
5.2
WV
771
100.0
7.8
18.5
67.0
6.7
WI
2,338
100.0
3.4
11.6
81.7
3.3
WY
244
100.0
4.8
21.5
70.0
3.7
NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than
zero. Estimates do not always reconcile to totals because of rounding.
12
A.8 Unbanked Rates by State, 2013-2017
For all households
2013
(Percent)
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval, Difference
7.7
7.0
6.5
(6.2, 6.8)
-0.5*
(-0.9, -0.1)
AL
9.2
12.5
8.7
(6.8, 11.2)
-3.7*
(-7.1, -0.3)
AK
1.9
3.5
2.6
(1.3, 5.0)
-0.9
(-3.8, 1.9)
AZ
12.8
8.5
5.4
(3.8, 7.7)
-3.1*
(-6.2, -0.1)
AR
12.3
9.7
7.5
(5.7, 9.7)
-2.2
(-4.9, 0.5)
CA
8.0
6.2
7.4
(6.5, 8.4)
1.2
(0.0, 2.4)
CO
6.4
4.4
4.2
(2.6, 6.6)
-0.2
(-4.1, 3.7)
CT
5.6
6.2
5.5
(3.8, 8.0)
-0.7
(-3.9, 2.6)
DE
6.1
4.8
5.9
(3.8, 9.1)
1.2
(-2.5, 4.8)
DC
11.8
10.8
8.0
(6.1, 10.5)
-2.8
(-5.7, 0.0)
FL
6.2
5.9
6.0
(5.0, 7.3)
0.1
(-1.6, 1.8)
Geography
All
State
GA
10.9
11.9
10.6
(8.7, 13.0)
-1.2
(-4.1, 1.7)
HI
3.8
2.4
4.0
(2.6, 6.1)
1.6
(-0.5, 3.7)
ID
5.4
3.6
2.3
(1.2, 4.4)
-1.2
(-3.2, 0.8)
IL
7.4
7.1
7.0
(5.6, 8.6)
-0.2
(-2.2, 1.8)
IN
7.2
4.8
4.4
(3.2, 6.2)
-0.3
(-2.6, 2.0)
IA
4.5
4.2
3.0
(1.8, 4.9)
-1.2
(-3.5, 1.0)
KS
6.0
7.6
7.2
(5.1, 10.1)
-0.4
(-3.0, 2.2)
KY
9.7
9.0
7.2
(5.8, 8.9)
-1.8
(-5.0, 1.5)
LA
13.9
14.0
14.8
(12.5, 17.5)
0.8
(-3.2, 4.8)
ME
2.4
2.3
4.0
(2.2, 7.3)
1.7
(-0.8, 4.2)
MD
4.8
4.8
2.5
(1.4, 4.5)
-2.3
(-4.7, 0.1)
MA
5.8
5.7
2.6
(1.8, 3.9)
-3.1*
(-5.1, -1.1)
MI
5.7
6.0
5.6
(4.3, 7.3)
-0.4
(-2.5, 1.7)
MN
3.6
3.4
1.5
(0.7, 3.1)
-1.9*
(-3.6, -0.2)
MS
14.5
12.6
15.8
(13.7, 18.2)
3.3
(-0.1, 6.6)
MO
8.9
8.5
6.3
(4.8, 8.2)
-2.2
(-4.9, 0.4)
MT
6.6
4.0
4.3
(3.1, 6.1)
0.3
(-1.5, 2.1)
NE
5.7
5.1
2.8
(1.3, 6.1)
-2.2
(-5.5, 1.0)
NV
7.9
8.9
6.1
(4.4, 8.3)
-2.9
(-6.0, 0.3)
NH
2.9
1.8
3.4
(2.1, 5.6)
1.6
(-0.4, 3.5)
NJ
8.2
7.4
5.0
(3.5, 7.2)
-2.3
(-4.9, 0.2)
NM
10.9
9.4
11.4
(8.3, 15.4)
1.9
(-1.8, 5.7)
NY
8.5
8.0
8.7
(7.4, 10.2)
0.7
(-1.1, 2.6)
NC
8.4
7.7
5.8
(4.3, 7.7)
-1.9
(-4.1, 0.2)
ND
2.8
3.0
6.3
(4.1, 9.8)
3.3*
(0.2, 6.4)
OH
7.2
5.8
7.0
(5.7, 8.7)
1.2
(-1.0, 3.4)
OK
10.9
11.0
7.3
(5.7, 9.3)
-3.7*
(-6.5, -0.8)
13 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.8 Unbanked Rates by State, 2013-2017
For all households
2013
(Percent)
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval, Difference
OR
4.5
5.1
4.2
(3.0, 5.8)
-0.9
(-3.0, 1.2)
PA
5.2
4.7
4.7
(3.3, 6.6)
0.0
(-2.2, 2.2)
Geography
RI
6.2
5.0
6.5
(4.2, 9.9)
1.5
(-2.0, 5.0)
SC
10.5
8.9
6.7
(4.8, 9.4)
-2.2
(-5.3, 0.9)
SD
4.2
4.2
8.1
(5.2, 12.6)
3.9*
(0.2, 7.7)
TN
9.7
10.8
7.5
(5.6, 9.9)
-3.3*
(-6.1, -0.5)
TX
10.4
9.4
9.5
(8.4, 10.7)
0.2
(-1.5, 1.8)
UT
3.3
3.9
2.5
(1.5, 4.3)
-1.4
(-3.4, 0.6)
VT
3.1
1.5
1.5
(0.8, 2.8)
-0.1
(-1.4, 1.3)
VA
6.5
4.6
3.0
(1.7, 5.2)
-1.6
(-4.0, 0.8)
WA
4.1
4.1
3.1
(2.0, 4.8)
-1.0
(-2.9, 0.9)
WV
11.0
8.0
7.8
(6.0, 10.2)
-0.2
(-3.1, 2.8)
WI
4.8
3.4
3.4
(2.1, 5.5)
0.0
(-2.0, 1.9)
WY
5.6
2.4
4.8
(3.4, 6.7)
2.4*
(0.4, 4.3)
* indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an
estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
14
A.9 Underbanked Rates by State, 2013-2017
For all households
Geography
All
2013
(Percent)
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
20.0
19.9
18.7
(18.3, 19.1)
-1.2*
(-1.8, -0.6)
State
AL
26.4
23.9
22.3
(19.7, 25.0)
-1.6
(-5.2, 2.0)
AK
19.3
26.1
21.8
(18.5, 25.6)
-4.3
(-11.6, 3.0)
AZ
17.6
18.5
18.7
(15.5, 22.6)
0.2
(-4.0, 4.4)
AR
25.7
22.6
19.0
(16.2, 22.1)
-3.7
(-7.8, 0.4)
CA
17.0
19.1
17.6
(16.3, 19.0)
-1.4
(-3.4, 0.5)
CO
17.3
19.1
17.3
(14.4, 20.6)
-1.8
(-6.2, 2.5)
CT
14.4
14.8
15.3
(12.3, 19.0)
0.5
(-3.7, 4.8)
DE
18.5
15.4
15.0
(11.9, 18.7)
-0.5
(-5.5, 4.6)
DC
24.8
25.4
21.2
(18.5, 24.2)
-4.2
(-8.4, 0.1)
FL
19.1
17.7
18.3
(16.6, 20.2)
0.7
(-1.8, 3.1)
GA
26.9
24.6
24.1
(21.3, 27.1)
-0.4
(-4.8, 3.9)
HI
19.7
17.4
15.0
(12.0, 18.6)
-2.4
(-6.8, 2.0)
ID
19.0
23.1
17.9
(15.2, 21.1)
-5.2*
(-9.4, -1.0)
IL
14.6
14.3
15.3
(13.4, 17.5)
1.0
(-1.5, 3.6)
IN
17.6
18.2
18.8
(15.5, 22.5)
0.5
(-4.3, 5.4)
IA
14.4
18.2
13.5
(10.0, 18.0)
-4.7*
(-9.3, -0.2)
KS
22.9
18.3
20.0
(15.4, 25.4)
1.7
(-4.1, 7.4)
KY
23.5
18.2
19.6
(16.9, 22.7)
1.4
(-3.5, 6.3)
LA
24.5
23.8
21.4
(19.2, 23.7)
-2.4
(-6.2, 1.4)
ME
19.2
17.1
18.8
(15.5, 22.7)
1.7
(-2.9, 6.3)
MD
23.9
22.4
19.7
(16.6, 23.2)
-2.7
(-7.0, 1.6)
MA
17.2
16.0
18.0
(15.6, 20.7)
2.0
(-1.7, 5.7)
MI
18.1
19.8
15.2
(13.0, 17.8)
-4.5*
(-8.6, -0.4)
MN
12.3
14.3
12.5
(9.9, 15.5)
-1.8
(-6.8, 3.1)
MS
32.8
25.5
22.5
(19.2, 26.1)
-3.0
(-7.9, 1.8)
MO
20.4
22.3
16.8
(14.3, 19.8)
-5.4*
(-9.1, -1.8)
MT
17.0
13.3
16.1
(13.7, 18.8)
2.7
(-0.6, 6.1)
NE
20.1
21.1
18.8
(15.9, 22.2)
-2.3
(-7.0, 2.4)
NV
24.7
27.3
25.1
(21.7, 29.0)
-2.2
(-7.3, 3.0)
NH
13.9
18.2
13.1
(10.5, 16.2)
-5.1*
(-9.2, -1.1)
NJ
19.6
15.6
19.6
(17.1, 22.4)
4.0*
(0.3, 7.7)
NM
22.5
26.9
22.2
(19.9, 24.7)
-4.6
(-9.7, 0.4)
NY
19.6
23.8
17.2
(15.6, 18.9)
-6.6*
(-9.0, -4.2)
NC
21.5
20.6
18.4
(16.0, 20.9)
-2.2
(-5.7, 1.2)
ND
20.0
20.8
16.7
(14.0, 19.9)
-4.0
(-10.9, 2.8)
OH
20.0
17.5
17.4
(15.4, 19.6)
-0.1
(-3.0, 2.8)
OK
22.2
26.4
21.7
(18.9, 24.8)
-4.7*
(-8.7, -0.7)
OR
17.1
20.5
20.1
(16.8, 23.8)
-0.4
(-5.8, 5.0)
15 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.9 Underbanked Rates by State, 2013-2017
For all households
2013
(Percent)
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
PA
22.2
18.8
19.3
(17.3, 21.5)
0.5
(-2.8, 3.8)
RI
14.0
16.1
15.7
(12.7, 19.1)
-0.4
(-5.2, 4.5)
SC
25.6
23.4
19.4
(16.6, 22.5)
-4.0*
(-7.9, -0.1)
SD
19.9
19.8
14.7
(12.0, 17.9)
-5.1
(-10.2, 0.0)
TN
18.7
19.2
21.2
(18.8, 23.9)
2.1
(-1.6, 5.7)
TX
27.4
23.7
24.2
(22.4, 25.9)
0.4
(-2.2, 3.1)
UT
13.0
20.9
16.1
(13.1, 19.5)
-4.8*
(-9.2, -0.4)
VT
16.2
12.8
11.6
(9.5, 14.0)
-1.2
(-4.3, 1.8)
VA
19.5
19.7
20.6
(18.2, 23.4)
1.0
(-2.7, 4.7)
WA
17.2
20.7
17.6
(14.5, 21.1)
-3.2
(-7.2, 0.8)
WV
19.0
17.5
18.5
(14.9, 22.9)
1.1
(-4.1, 6.2)
WI
10.4
15.6
11.6
(9.2, 14.5)
-3.9*
(-7.1, -0.8)
WY
21.8
20.5
21.5
(18.5, 24.8)
1.1
(-3.9, 6.0)
Geography
* indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an
estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
16
A.10 Fully Banked Rates by State, 2013-2017
For all households
Geography
All
2013
(Percent)
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
67.0
68.0
68.4
(67.9, 68.9)
0.4
(-0.3, 1.1)
State
AL
59.1
60.5
63.3
(60.4, 66.1)
2.8
(-1.5, 7.2)
AK
70.6
65.5
71.8
(67.8, 75.5)
6.3
(-0.6, 13.1)
AZ
65.1
68.3
69.7
(65.7, 73.4)
1.4
(-4.0, 6.8)
AR
58.9
63.1
70.0
(65.8, 73.9)
6.9*
(2.0, 11.8)
CA
69.1
68.2
67.4
(65.7, 69.1)
-0.8
(-3.2, 1.6)
CO
72.5
73.8
70.9
(66.9, 74.6)
-2.9
(-9.6, 3.8)
CT
75.2
73.3
68.5
(63.4, 73.2)
-4.8
(-10.7, 1.1)
DE
68.1
72.1
69.8
(65.2, 74.1)
-2.2
(-8.4, 3.9)
DC
58.0
60.5
62.6
(58.9, 66.2)
2.2
(-2.9, 7.2)
FL
65.1
68.9
66.0
(63.7, 68.2)
-2.9
(-6.0, 0.2)
GA
57.5
60.8
60.0
(56.7, 63.3)
-0.7
(-5.5, 4.1)
HI
70.4
74.2
74.9
(71.0, 78.5)
0.7
(-4.5, 5.9)
ID
72.4
71.6
75.4
(71.3, 79.0)
3.8
(-1.5, 9.0)
IL
72.3
74.0
72.0
(69.3, 74.5)
-2.0
(-5.5, 1.5)
IN
72.1
74.2
73.8
(70.1, 77.2)
-0.4
(-5.8, 4.9)
IA
75.0
70.7
72.6
(64.2, 79.6)
1.9
(-3.6, 7.5)
KS
68.6
71.0
69.2
(64.1, 73.9)
-1.8
(-7.3, 3.8)
KY
64.2
69.1
70.0
(66.4, 73.4)
0.9
(-5.0, 6.7)
LA
58.3
58.9
60.0
(56.4, 63.4)
1.0
(-3.8, 5.8)
ME
74.5
76.5
71.0
(66.9, 74.8)
-5.5*
(-10.8, -0.3)
MD
68.0
68.7
69.8
(65.9, 73.5)
1.2
(-3.8, 6.2)
MA
72.3
71.8
69.8
(66.7, 72.8)
-1.9
(-6.3, 2.5)
MI
69.0
70.2
71.3
(67.4, 74.9)
1.1
(-4.8, 7.1)
MN
81.9
79.5
82.9
(79.3, 86.1)
3.5
(-2.0, 8.9)
MS
49.5
59.0
57.4
(53.8, 61.0)
-1.6
(-5.2, 2.1)
MO
66.5
65.0
70.9
(67.4, 74.1)
5.8*
(1.4, 10.2)
MT
70.0
76.7
74.6
(71.4, 77.5)
-2.1
(-7.3, 3.2)
NE
70.6
68.1
74.2
(70.5, 77.5)
6.0*
(1.6, 10.5)
NV
62.1
59.5
60.4
(56.2, 64.5)
0.9
(-5.2, 7.1)
NH
78.1
76.9
76.5
(72.9, 79.8)
-0.4
(-5.3, 4.4)
NJ
67.9
71.3
68.1
(64.7, 71.3)
-3.2
(-7.3, 1.0)
NM
62.1
59.6
63.0
(58.5, 67.2)
3.3
(-2.8, 9.5)
NY
65.2
59.4
66.1
(64.0, 68.2)
6.7*
(3.6, 9.8)
NC
63.7
66.2
69.3
(66.7, 71.9)
3.1
(-0.3, 6.6)
ND
72.8
71.8
74.0
(70.5, 77.3)
2.2
(-3.7, 8.1)
OH
65.0
71.3
69.7
(66.8, 72.5)
-1.6
(-5.2, 2.0)
OK
63.2
60.6
67.2
(63.8, 70.5)
6.6*
(1.7, 11.6)
17 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.10 Fully Banked Rates by State, 2013-2017
For all households
2013
(Percent)
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
OR
71.9
67.8
69.3
(65.2, 73.0)
1.5
(-4.2, 7.1)
PA
67.3
72.1
72.0
(69.2, 74.7)
-0.1
(-3.8, 3.7)
RI
72.6
74.5
70.0
(65.1, 74.5)
-4.5
(-10.4, 1.5)
SC
61.8
65.1
71.0
(67.2, 74.5)
5.9*
(1.2, 10.5)
SD
72.1
73.0
71.7
(67.5, 75.6)
-1.2
(-7.8, 5.3)
TN
67.8
66.1
64.9
(61.9, 67.7)
-1.2
(-5.3, 2.9)
TX
58.9
62.5
60.5
(58.5, 62.5)
-1.9
(-5.1, 1.2)
UT
81.5
73.0
76.6
(73.1, 79.7)
3.6
(-1.3, 8.5)
VT
76.8
81.3
81.9
(78.9, 84.6)
0.6
(-3.2, 4.4)
VA
66.4
70.8
71.3
(68.3, 74.2)
0.5
(-4.2, 5.2)
WA
73.4
71.9
74.2
(70.9, 77.2)
2.3
(-1.5, 6.1)
WV
65.0
68.7
67.0
(62.4, 71.2)
-1.8
(-7.1, 3.6)
WI
80.7
77.2
81.7
(78.8, 84.3)
4.5*
(0.2, 8.8)
WY
68.0
73.5
70.0
(65.8, 73.9)
-3.5
(-10.3, 3.2)
Geography
* indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an
estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
18
A.11 B
anking Status by MSA, 2017
For all households, row percent
Geography
All
Number of
Households
(1000s)
Percent of
Households
Unbanked
(Percent)
Banked:
Underbanked
(Percent)
Banked:
Fully banked
(Percent)
Banked:
Underbanked
status unknown
(Percent)
129,276
100.0
6.5
18.7
68.4
6.3
MSA
Albuquerque, NM
Atlanta-Sandy Springs-Roswell, GA~
Austin-Round Rock, TX
409
100.0
7.8
19.0
69.8
3.3
2,326
100.0
7.5
27.9
58.1
6.5
755
100.0
3.8
22.1
70.5
3.6
1,014
100.0
1.8
19.3
75.1
3.8
345
100.0
10.8
16.5
69.0
3.6
Billings, MT~
64
100.0
5.9
12.5
80.9
0.8
Birmingham-Hoover, AL
518
100.0
13.3
14.2
62.8
9.8
Boise City, ID
241
100.0
0.9
16.1
79.5
3.5
1,874
100.0
3.2
19.1
67.2
10.4
Burlington-South Burlington, VT~
63
100.0
1.7
15.3
75.7
7.2
Charlotte-Concord-Gastonia, NC-SC~
1,175
100.0
5.3
11.8
73.4
9.6
Chicago-Naperville-Elgin,
IL-IN-WI
3,534
100.0
6.9
13.9
72.7
6.6
Cincinnati, OH-KY-IN~
823
100.0
6.2
17.4
69.8
6.6
Cleveland-Elyria, OH
943
100.0
6.4
18.0
70.8
4.7
Columbus, OH~
717
100.0
5.5
19.7
72.7
2.2
Dallas-Fort Worth-Arlington,
TX~
2,689
100.0
6.1
25.4
62.1
6.4
Denver-Aurora-Lakewood,
CO
1,208
100.0
5.7
15.5
71.0
7.9
Detroit-Warren-Dearborn,
MI
1,901
100.0
6.9
16.0
70.5
6.7
Fargo, ND-MN
78
100.0
6.4
22.9
69.5
1.2
Greenville-Anderson-Mauldin, SC~
452
100.0
4.9
11.6
81.7
1.9
Hartford-West Hartford-East
Hartford, CT~
551
100.0
5.2
19.4
66.5
8.9
2,630
100.0
11.8
22.4
60.4
5.4
Huntington-Ashland, WVKY-OH~
116
100.0
6.4
18.8
69.5
5.3
Indianapolis-Carmel-Anderson, IN~
908
100.0
6.4
16.2
73.6
3.8
Jackson, MS~
265
100.0
17.2
17.8
64.0
0.9
Kansas City, MO-KS~
837
100.0
6.2
20.2
65.1
8.5
Knoxville, TN~
414
100.0
7.9
24.0
64.0
4.2
Las Vegas-Henderson-Paradise, NV
882
100.0
6.8
22.0
63.0
8.2
Little Rock-North Little
Rock-Conway, AR
334
100.0
7.2
21.1
69.1
2.6
4,759
100.0
9.0
14.9
67.4
8.7
Louisville/Jefferson County,
KY-IN~
626
100.0
3.0
25.0
70.4
1.6
Manchester-Nashua, NH~
170
100.0
5.2
10.3
75.8
8.8
Memphis, TN-MS-AR~
563
100.0
16.7
30.8
50.3
2.2
2,577
100.0
8.0
17.6
59.5
14.9
Baltimore-Columbia-Towson, MD
Baton Rouge, LA
Boston-Cambridge-Newton,
MA-NH~
Houston-The Woodlands-Sugar Land, TX~
Los Angeles-Long
Beach-Anaheim, CA
Miami-Fort Lauderdale-West
Palm Beach, FL
19 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.11 B
anking Status by MSA, 2017
For all households, row percent
Number of
Households
(1000s)
Percent of
Households
Unbanked
(Percent)
Banked:
Underbanked
(Percent)
Banked:
Fully banked
(Percent)
Banked:
Underbanked
status unknown
(Percent)
Milwaukee-Waukesha-West
Allis, WI
582
100.0
6.6
5.3
82.2
5.9
Minneapolis-St.
Paul-Bloomington, MN-WI~
1,519
100.0
1.5
11.3
84.2
3.0
690
100.0
5.0
18.4
65.0
11.5
Geography
Nashville-Davidson-Murfreesboro-Franklin, TN~
New Orleans-Metairie, LA~
537
100.0
14.7
17.0
66.3
1.9
8,009
100.0
7.9
18.3
64.9
8.9
Oklahoma City, OK
520
100.0
5.7
24.5
66.3
3.5
Omaha-Council Bluffs,
NE-IA
431
100.0
2.8
19.8
72.3
5.1
Orlando-Kissimmee-Sanford, FL
1,212
100.0
3.4
22.9
64.7
9.0
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
2,445
100.0
5.9
22.3
66.8
5.0
Phoenix-Mesa-Scottsdale,
AZ
1,755
100.0
6.9
16.3
69.8
7.0
Pittsburgh, PA
992
100.0
3.9
15.4
78.1
2.7
Portland-South Portland,
ME~
200
100.0
5.9
14.4
71.6
8.1
Portland-Vancouver-Hillsboro, OR-WA
992
100.0
3.0
15.5
70.8
10.7
Providence-Warwick,
RI-MA~
640
100.0
5.4
16.3
68.4
10.0
Riverside-San Bernardino-Ontario, CA
1,525
100.0
9.1
22.5
61.1
7.3
Sacramento-Roseville-Arden-Arcade, CA
1,044
100.0
3.6
16.6
74.6
5.2
St. Louis, MO-IL~
1,254
100.0
7.5
15.9
72.1
4.5
Salisbury, MD-DE~
180
100.0
8.5
30.3
58.6
2.6
Salt Lake City, UT~
461
100.0
3.2
19.7
74.6
2.5
San Antonio-New Braunfels,
TX
1,033
100.0
10.4
25.8
55.3
8.5
San Diego-Carlsbad, CA
1,513
100.0
3.0
19.1
71.3
6.5
San Francisco-Oakland-Hayward, CA
1,796
100.0
4.8
13.6
73.5
8.1
684
100.0
3.7
13.0
71.3
11.9
1,601
100.0
1.8
18.6
73.9
5.6
New York-Newark-Jersey
City, NY-NJ-PA~
San Jose-Sunnyvale-Santa
Clara, CA
Seattle-Tacoma-Bellevue,
WA
Sioux Falls, SD
120
100.0
4.9
12.8
75.7
6.6
1,394
100.0
8.0
18.7
67.6
5.7
Tulsa, OK
444
100.0
5.1
22.7
69.9
2.3
Urban Honolulu, HI
373
100.0
4.1
12.7
77.4
5.8
Virginia Beach-Norfolk-Newport News,
VA-NC~
659
100.0
4.9
23.5
70.6
1.0
2,475
100.0
2.6
21.4
66.6
9.4
Wichita, KS~
340
100.0
12.9
22.2
64.2
0.8
Worcester, MA-CT~
390
100.0
2.6
12.0
82.0
3.4
Tampa-St. Petersburg-Clearwater, FL
Washington-Arlington-Alexandria, DC-VA-MD-WV~
~ indicates areas with geographic boundary changes between the 2013 and 2015 surveys. See Appendix 1 (FDIC Technical Notes) for details. NA indicates that the
sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not
always reconcile to totals because of rounding.
20
A.12 Unbanked Rates by MSA, 2013-2017
For all households
2013
(Percent)
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
7.7
7.0
6.5
(6.2, 6.8)
-0.5*
(-0.9, -0.1)
Albuquerque, NM
11.1
8.6
7.8
(5.4, 11.2)
-0.8
(-4.9, 3.3)
Atlanta-Sandy Springs-Roswell, GA~
9.1
10.1
7.5
(5.3, 10.4)
-2.6
(-6.3, 1.1)
Austin-Round Rock, TX
1.3
8.6
3.8
(1.9, 7.6)
-4.8
(-10.5, 0.8)
Baltimore-Columbia-Towson, MD
5.3
5.9
1.8
(0.6, 5.1)
-4.1*
(-7.5, -0.7)
Baton Rouge, LA
NA
14.3
10.8
(5.9, 19.1)
-3.5
(-11.6, 4.7)
Billings, MT~
NA
8.6
5.9
(2.3, 13.9)
-2.7
(-10.9, 5.5)
Birmingham-Hoover, AL
5.7
12.3
13.3
(8.1, 21.1)
1.0
(-6.8, 8.8)
Boise City, ID
6.9
2.6
0.9
(0.2, 3.5)
-1.7
(-4.2, 0.9)
Boston-Cambridge-Newton,
MA-NH~
6.6
4.3
3.2
(2.1, 4.8)
-1.1
(-3.5, 1.3)
Burlington-South Burlington,
VT~
0.6
1.7
1.7
(0.5, 6.1)
0.0
(-2.5, 2.5)
Charlotte-Concord-Gastonia, NC-SC~
7.7
7.3
5.3
(3.1, 8.7)
-2.1
(-6.5, 2.4)
Chicago-Naperville-Elgin,
IL-IN-WI
7.6
8.1
6.9
(5.3, 8.8)
-1.2
(-3.7, 1.2)
Cincinnati, OH-KY-IN~
9.0
7.8
6.2
(2.9, 12.7)
-1.6
(-7.8, 4.7)
Cleveland-Elyria, OH
6.2
11.0
6.4
(4.1, 10.0)
-4.6
(-9.7, 0.5)
Columbus, OH~
7.8
1.4
5.5
(2.7, 10.7)
4.1*
(0.2, 8.1)
Dallas-Fort Worth-Arlington,
TX~
8.4
5.5
6.1
(4.3, 8.5)
0.6
(-2.2, 3.3)
Denver-Aurora-Lakewood,
CO
7.5
5.2
5.7
(3.2, 9.9)
0.5
(-5.7, 6.6)
Detroit-Warren-Dearborn, MI
8.2
8.0
6.9
(4.6, 10.2)
-1.2
(-5.0, 2.7)
Fargo, ND-MN
6.6
1.8
6.4
(3.7, 10.9)
4.6*
(1.0, 8.3)
Greenville-Anderson-Mauldin, SC~
NA
6.1
4.9
(2.5, 9.2)
-1.3
(-7.9, 5.3)
Hartford-West Hartford-East
Hartford, CT~
6.4
9.3
5.2
(2.7, 9.7)
-4.1
(-10.0, 1.8)
Houston-The Woodlands-Sugar Land, TX~
11.5
10.4
11.8
(9.3, 14.7)
1.4
(-2.5, 5.3)
Huntington-Ashland,
WV-KY-OH~
NA
NA
6.4
(3.5, 11.3)
NA
NA
Indianapolis-CarmelAnderson, IN~
11.0
8.5
6.4
(3.7, 11.0)
-2.0
(-8.5, 4.4)
Jackson, MS~
NA
12.5
17.2
(12.1, 23.9)
4.7
(-3.0, 12.4)
Kansas City, MO-KS~
12.1
5.0
6.2
(4.1, 9.5)
1.2
(-2.6, 5.1)
Knoxville, TN~
NA
NA
7.9
(4.0, 14.8)
NA
NA
Las Vegas-Henderson-Paradise, NV
6.9
10.1
6.8
(4.7, 9.8)
-3.2
(-7.2, 0.8)
Little Rock-North Little
Rock-Conway, AR
10.4
11.2
7.2
(4.5, 11.4)
-4.0
(-10.0, 2.0)
Los Angeles-Long
Beach-Anaheim, CA
9.6
8.6
9.0
(7.5, 10.8)
0.4
(-1.9, 2.8)
Louisville/Jefferson County,
KY-IN~
5.2
10.1
3.0
(1.3, 6.6)
-7.1*
(-12.5, -1.6)
Manchester-Nashua, NH~
NA
4.3
5.2
(2.4, 10.8)
0.8
(-3.8, 5.5)
Memphis, TN-MS-AR~
19.5
17.2
16.7
(11.8, 23.0)
-0.6
(-9.6, 8.5)
Geography
All
MSA
21 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.12 Unbanked Rates by MSA, 2013-2017
For all households
2013
(Percent)
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
Miami-Fort Lauderdale-West
Palm Beach, FL
7.3
7.4
8.0
(5.7, 10.9)
0.5
(-3.1, 4.2)
Milwaukee-Waukesha-West
Allis, WI
7.1
7.1
6.6
(3.1, 13.5)
-0.4
(-6.5, 5.5)
Minneapolis-St.
Paul-Bloomington, MN-WI~
3.8
4.5
1.5
(0.6, 3.7)
-3.0*
(-5.5, -0.5)
Nashville-Davidson-Murfreesboro-Franklin, TN~
9.4
9.9
5.0
(2.7, 9.3)
-4.8
(-10.2, 0.5)
New Orleans-Metairie, LA~
13.2
17.4
14.7
(10.0, 21.3)
-2.7
(-10.8, 5.5)
New York-Newark-Jersey
City, NY-NJ-PA~
9.6
8.9
7.9
(6.6, 9.4)
-1.0
(-3.0, 1.0)
Oklahoma City, OK
8.5
13.3
5.7
(3.0, 10.4)
-7.6*
(-13.5, -1.6)
Omaha-Council Bluffs,
NE-IA
6.5
2.9
2.8
(1.3, 5.8)
-0.1
(-2.9, 2.7)
Orlando-Kissimmee-Sanford, FL
9.9
4.3
3.4
(1.7, 6.5)
-0.9
(-4.7, 2.9)
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
7.0
4.1
5.9
(3.5, 9.6)
1.7
(-1.7, 5.2)
Phoenix-Mesa-Scottsdale,
AZ
16.3
10.6
6.9
(4.8, 10.0)
-3.7
(-7.9, 0.5)
Pittsburgh, PA
4.9
7.3
3.9
(1.7, 8.8)
-3.4
(-9.2, 2.5)
Portland-South Portland,
ME~
1.7
1.8
5.9
(2.0, 16.1)
4.1
(-1.8, 10.0)
Portland-Vancouver-Hillsboro, OR-WA
3.7
5.0
3.0
(1.7, 5.3)
-2.0
(-4.9, 0.8)
Providence-Warwick, RIMA~
5.8
5.7
5.4
(3.5, 8.2)
-0.3
(-3.7, 3.1)
Riverside-San Bernardino-Ontario, CA
9.1
8.2
9.1
(6.5, 12.4)
0.9
(-3.3, 5.0)
Sacramento-Roseville-Arden-Arcade, CA
5.8
3.5
3.6
(1.6, 7.9)
0.2
(-3.5, 3.8)
St. Louis, MO-IL~
4.2
8.0
7.5
(5.0, 11.1)
-0.5
(-5.2, 4.2)
Salisbury, MD-DE~
NA
10.7
8.5
(2.8, 22.9)
-2.3
(-13.6, 9.0)
Salt Lake City, UT~
2.7
2.0
3.2
(1.6, 6.4)
1.2
(-1.5, 3.8)
San Antonio-New Braunfels,
TX
8.1
11.3
10.4
(6.4, 16.6)
-0.9
(-7.6, 5.9)
San Diego-Carlsbad, CA
3.4
3.1
3.0
(1.5, 6.0)
-0.1
(-3.3, 3.1)
San Francisco-Oakland-Hayward, CA
5.7
2.1
4.8
(2.9, 8.0)
2.7
(-0.1, 5.4)
San Jose-Sunnyvale-Santa
Clara, CA
5.0
NA
3.7
(1.6, 8.4)
NA
NA
Seattle-Tacoma-Bellevue,
WA
3.5
2.6
1.8
(0.9, 3.7)
-0.8
(-2.8, 1.3)
Sioux Falls, SD
4.8
1.9
4.9
(2.3, 10.2)
2.9
(-1.6, 7.5)
Tampa-St. Petersburg-Clearwater, FL
4.9
4.6
8.0
(5.1, 12.4)
3.5
(-0.8, 7.7)
Tulsa, OK
11.0
11.3
5.1
(2.6, 9.7)
-6.2*
(-11.7, -0.7)
Urban Honolulu, HI
4.7
1.6
4.1
(2.4, 6.9)
2.4*
(0.1, 4.7)
Virginia Beach-Norfolk-Newport News, VA-NC~
7.8
2.9
4.9
(1.8, 12.7)
2.0
(-3.1, 7.2)
Washington-Arlington-Alexandria, DC-VA-MD-WV~
4.3
3.9
2.6
(1.7, 3.8)
-1.3
(-3.1, 0.5)
Wichita, KS~
10.0
12.5
12.9
(8.6, 18.7)
0.4
(-6.8, 7.5)
Worcester, MA-CT~
NA
NA
2.6
(1.0, 6.7)
NA
NA
Geography
~ indicates areas with geographic boundary changes between the 2013 and 2015 surveys. See Appendix 1 (FDIC Technical Notes) for details. * indicates differences
that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The
population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
22
A.13 Underbanked Rates by MSA, 2013-2017
For all households
2013
(Percent)
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
20.0
19.9
18.7
(18.3, 19.1)
-1.2*
(-1.8, -0.6)
Albuquerque, NM
24.4
21.6
19.0
(15.6, 23.0)
-2.6
(-8.9, 3.6)
Atlanta-Sandy Springs-Roswell, GA~
27.9
26.0
27.9
(24.0, 32.2)
1.9
(-4.0, 7.9)
Austin-Round Rock, TX
16.6
13.3
22.1
(16.6, 28.7)
8.8
(-0.5, 18.0)
Baltimore-Columbia-Towson, MD
25.4
21.1
19.3
(14.9, 24.6)
-1.8
(-8.1, 4.5)
Baton Rouge, LA
NA
23.5
16.5
(11.7, 22.7)
-7.0
(-15.1, 1.0)
Billings, MT~
NA
11.2
12.5
(8.2, 18.5)
1.3
(-4.9, 7.5)
Birmingham-Hoover, AL
25.1
17.6
14.2
(10.3, 19.2)
-3.5
(-10.0, 3.1)
Boise City, ID
16.3
16.7
16.1
(11.9, 21.4)
-0.6
(-7.6, 6.5)
Boston-Cambridge-Newton,
MA-NH~
15.3
18.0
19.1
(16.1, 22.5)
1.1
(-3.6, 5.8)
Burlington-South Burlington,
VT~
17.3
11.2
15.3
(10.6, 21.7)
4.1
(-2.6, 10.8)
Charlotte-Concord-Gastonia, NC-SC~
28.3
25.1
11.8
(7.9, 17.2)
-13.4*
(-20.5, -6.2)
Chicago-Naperville-Elgin,
IL-IN-WI
13.5
14.3
13.9
(11.5, 16.6)
-0.4
(-3.8, 3.0)
Cincinnati, OH-KY-IN~
21.5
12.2
17.4
(13.4, 22.3)
5.2
(-0.9, 11.3)
Geography
All
MSA
Cleveland-Elyria, OH
17.2
8.5
18.0
(13.6, 23.5)
9.5*
(3.7, 15.3)
Columbus, OH~
25.6
26.3
19.7
(14.3, 26.4)
-6.7
(-14.8, 1.5)
Dallas-Fort Worth-Arlington,
TX~
27.3
31.5
25.4
(22.0, 29.2)
-6.1*
(-11.2, -1.0)
Denver-Aurora-Lakewood,
CO
16.2
16.2
15.5
(11.9, 19.9)
-0.7
(-6.9, 5.5)
Detroit-Warren-Dearborn, MI
18.4
18.5
16.0
(12.7, 19.9)
-2.5
(-7.5, 2.5)
Fargo, ND-MN
21.9
21.3
22.9
(17.2, 29.8)
1.6
(-7.4, 10.7)
Greenville-Anderson-Mauldin, SC~
NA
27.6
11.6
(7.1, 18.2)
-16.1*
(-24.8, -7.3)
Hartford-West Hartford-East
Hartford, CT~
16.6
16.3
19.4
(14.2, 25.9)
3.1
(-4.5, 10.7)
Houston-The Woodlands-Sugar Land, TX~
29.1
21.2
22.4
(19.3, 25.8)
1.2
(-3.8, 6.2)
Huntington-Ashland, WVKY-OH~
NA
NA
18.8
(12.7, 27.0)
NA
NA
Indianapolis-Carmel-Anderson, IN~
18.0
21.3
16.2
(11.9, 21.6)
-5.1
(-13.3, 3.1)
Jackson, MS~
NA
25.4
17.8
(12.5, 24.8)
-7.6
(-16.5, 1.3)
Kansas City, MO-KS~
19.4
22.1
20.2
(16.1, 25.0)
-1.9
(-8.8, 5.0)
Knoxville, TN~
NA
NA
24.0
(18.7, 30.2)
NA
NA
Las Vegas-Henderson-Paradise, NV
25.0
29.1
22.0
(18.1, 26.6)
-7.1*
(-12.7, -1.4)
Little Rock-North Little
Rock-Conway, AR
24.4
25.5
21.1
(15.9, 27.3)
-4.5
(-12.3, 3.4)
Los Angeles-Long
Beach-Anaheim, CA
17.5
19.7
14.9
(12.7, 17.5)
-4.8*
(-8.3, -1.2)
Louisville/Jefferson County,
KY-IN~
25.8
17.7
25.0
(18.6, 32.7)
7.3
(-1.8, 16.4)
Manchester-Nashua, NH~
NA
21.4
10.3
(6.8, 15.2)
-11.2*
(-18.5, -3.9)
Memphis, TN-MS-AR~
24.2
21.0
30.8
(24.6, 37.8)
9.8*
(0.8, 18.8)
Miami-Fort Lauderdale-West
Palm Beach, FL
13.9
18.0
17.6
(14.5, 21.3)
-0.3
(-5.2, 4.6)
Milwaukee-Waukesha-West
Allis, WI
10.8
14.2
5.3
(2.8, 9.8)
-8.9*
(-14.2, -3.6)
23 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.13 Underbanked Rates by MSA, 2013-2017
For all households
2013
(Percent)
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
Minneapolis-St.
Paul-Bloomington, MN-WI~
12.6
13.7
11.3
(8.5, 14.8)
-2.5
(-7.5, 2.5)
Nashville-Davidson-Murfreesboro-Franklin, TN~
18.4
16.5
18.4
(14.3, 23.4)
1.8
(-4.9, 8.6)
New Orleans-Metairie, LA~
16.7
16.5
17.0
(12.8, 22.4)
0.5
(-5.9, 7.0)
New York-Newark-Jersey
City, NY-NJ-PA~
19.5
21.0
18.3
(16.6, 20.1)
-2.7*
(-5.0, -0.5)
Oklahoma City, OK
24.0
26.7
24.5
(18.9, 31.2)
-2.2
(-11.0, 6.6)
Omaha-Council Bluffs,
NE-IA
23.3
27.2
19.8
(15.9, 24.3)
-7.4
(-14.9, 0.0)
Orlando-Kissimmee-Sanford, FL
25.2
22.8
22.9
(17.7, 29.2)
0.2
(-8.2, 8.5)
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
21.7
19.0
22.3
(18.8, 26.3)
3.4
(-1.9, 8.6)
Phoenix-Mesa-Scottsdale,
AZ
14.8
17.3
16.3
(13.4, 19.6)
-1.0
(-5.9, 3.8)
Pittsburgh, PA
22.9
22.7
15.4
(11.6, 20.1)
-7.4*
(-14.5, -0.2)
Portland-South Portland,
ME~
12.8
17.8
14.4
(10.3, 19.8)
-3.4
(-10.7, 3.9)
Portland-Vancouver-Hillsboro, OR-WA
16.8
18.6
15.5
(12.2, 19.6)
-3.1
(-8.3, 2.1)
Providence-Warwick, RIMA~
15.7
15.8
16.3
(13.4, 19.6)
0.5
(-4.8, 5.8)
Riverside-San Bernardino-Ontario, CA
18.4
19.8
22.5
(18.4, 27.3)
2.8
(-3.5, 9.1)
Sacramento-Roseville-Arden-Arcade, CA
21.8
16.7
16.6
(12.0, 22.6)
-0.1
(-7.7, 7.5)
St. Louis, MO-IL~
19.2
16.2
15.9
(12.8, 19.6)
-0.3
(-5.4, 4.7)
Salisbury, MD-DE~
NA
9.8
30.3
(19.2, 44.2)
20.5*
(6.8, 34.1)
Salt Lake City, UT~
14.3
21.9
19.7
(14.9, 25.6)
-2.1
(-9.9, 5.7)
San Antonio-New Braunfels,
TX
27.6
31.3
25.8
(20.8, 31.5)
-5.5
(-14.9, 4.0)
San Diego-Carlsbad, CA
18.2
20.6
19.1
(14.9, 24.3)
-1.5
(-7.7, 4.7)
San Francisco-Oakland-Hayward, CA
12.6
16.5
13.6
(10.2, 17.8)
-2.9
(-7.7, 1.9)
San Jose-Sunnyvale-Santa
Clara, CA
12.7
NA
13.0
(8.7, 19.1)
NA
NA
Seattle-Tacoma-Bellevue,
WA
15.7
18.5
18.6
(15.0, 22.8)
0.1
(-5.6, 5.8)
Sioux Falls, SD
18.6
19.0
12.8
(9.1, 17.7)
-6.3
(-14.2, 1.7)
Tampa-St. Petersburg-Clearwater, FL
19.8
16.6
18.7
(14.4, 23.9)
2.1
(-4.1, 8.3)
Tulsa, OK
21.4
28.4
22.7
(18.0, 28.2)
-5.7
(-13.8, 2.4)
Urban Honolulu, HI
19.7
18.8
12.7
(9.5, 16.7)
-6.1*
(-11.2, -1.0)
Virginia Beach-Norfolk-Newport News, VA-NC~
28.5
29.3
23.5
(17.4, 30.9)
-5.8
(-16.1, 4.4)
Washington-Arlington-Alexandria, DC-VA-MD-WV~
19.8
21.5
21.4
(18.3, 24.9)
-0.1
(-4.1, 3.9)
Wichita, KS~
23.1
21.4
22.2
(15.9, 30.0)
0.8
(-8.8, 10.4)
Worcester, MA-CT~
NA
NA
12.0
(8.3, 17.1)
NA
NA
Geography
~ indicates areas with geographic boundary changes between the 2013 and 2015 surveys. See Appendix 1 (FDIC Technical Notes) for details. * indicates differences
that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The
population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
24
A.14 Fully Banked Rates by MSA, 2013-2017
For all households
2013
(Percent)
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
67.0
68.0
68.4
(67.9, 68.9)
0.4
(-0.3, 1.1)
Albuquerque, NM
60.3
67.1
69.8
(64.6, 74.6)
2.8
(-5.1, 10.6)
Atlanta-Sandy Springs-Roswell, GA~
57.8
61.0
58.1
(53.3, 62.7)
-2.9
(-9.6, 3.8)
Austin-Round Rock, TX
77.7
71.5
70.5
(62.6, 77.4)
-1.0
(-11.3, 9.3)
Baltimore-Columbia-Towson, MD
65.3
66.9
75.1
(69.3, 80.2)
8.2*
(0.1, 16.4)
Baton Rouge, LA
NA
55.9
69.0
(61.5, 75.7)
13.2*
(1.9, 24.4)
Billings, MT~
NA
79.5
80.9
(72.6, 87.2)
1.4
(-8.7, 11.5)
Birmingham-Hoover, AL
64.0
63.3
62.8
(54.6, 70.2)
-0.5
(-10.4, 9.3)
Boise City, ID
74.5
79.5
79.5
(74.1, 84.0)
0.0
(-7.4, 7.4)
Boston-Cambridge-Newton,
MA-NH~
73.9
72.2
67.2
(63.4, 70.9)
-4.9
(-10.5, 0.7)
Burlington-South Burlington, VT~
77.0
83.3
75.7
(68.6, 81.7)
-7.6
(-16.0, 0.8)
Charlotte-Concord-Gastonia, NC-SC~
61.9
66.2
73.4
(67.4, 78.7)
7.2
(-1.2, 15.6)
Chicago-Naperville-Elgin,
IL-IN-WI
72.4
71.7
72.7
(69.4, 75.8)
1.1
(-3.2, 5.3)
Cincinnati, OH-KY-IN~
60.9
76.1
69.8
(62.6, 76.2)
-6.3
(-15.4, 2.7)
Cleveland-Elyria, OH
70.2
76.0
70.8
(64.5, 76.3)
-5.2
(-13.2, 2.7)
Columbus, OH~
65.4
67.6
72.7
(65.2, 79.0)
5.1
(-3.8, 13.9)
Dallas-Fort Worth-Arlington,
TX~
60.4
60.6
62.1
(57.9, 66.0)
1.4
(-4.3, 7.2)
Denver-Aurora-Lakewood,
CO
73.7
75.9
71.0
(65.0, 76.3)
-4.9
(-14.2, 4.3)
Detroit-Warren-Dearborn,
MI
64.0
70.0
70.5
(65.5, 75.1)
0.5
(-5.8, 6.7)
Fargo, ND-MN
70.3
75.7
69.5
(62.3, 75.9)
-6.2
(-15.7, 3.3)
Greenville-Anderson-Mauldin, SC~
NA
65.3
81.7
(73.3, 87.9)
16.4*
(5.7, 27.0)
Hartford-West Hartford-East
Hartford, CT~
73.5
71.9
66.5
(57.8, 74.1)
-5.4
(-16.4, 5.6)
Houston-The Woodlands-Sugar Land, TX~
55.2
60.2
60.4
(56.1, 64.6)
0.2
(-6.1, 6.5)
Huntington-Ashland, WVKY-OH~
NA
NA
69.5
(60.5, 77.3)
NA
NA
Indianapolis-Carmel-Anderson, IN~
70.4
66.4
73.6
(66.8, 79.4)
7.3
(-1.6, 16.1)
Jackson, MS~
NA
58.3
64.0
(57.6, 70.1)
5.7
(-4.3, 15.8)
Kansas City, MO-KS~
65.6
69.1
65.1
(59.2, 70.6)
-3.9
(-12.2, 4.3)
Knoxville, TN~
NA
NA
64.0
(56.1, 71.1)
NA
NA
Las Vegas-Henderson-Paradise, NV
62.0
55.1
63.0
(58.1, 67.6)
7.8*
(0.8, 14.9)
Little Rock-North Little
Rock-Conway, AR
63.9
62.7
69.1
(62.1, 75.4)
6.4
(-1.9, 14.7)
Los Angeles-Long
Beach-Anaheim, CA
67.4
61.7
67.4
(64.3, 70.3)
5.7*
(1.2, 10.2)
Louisville/Jefferson County,
KY-IN~
66.2
71.6
70.4
(62.6, 77.2)
-1.2
(-11.2, 8.8)
Manchester-Nashua, NH~
NA
73.5
75.8
(69.6, 81.0)
2.3
(-6.2, 10.8)
Geography
All
MSA
25 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.14 Fully Banked Rates by MSA, 2013-2017
For all households
2013
(Percent)
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
Memphis, TN-MS-AR~
48.7
54.5
50.3
(42.7, 57.9)
-4.2
(-15.3, 6.9)
Miami-Fort Lauderdale-West
Palm Beach, FL
66.1
65.9
59.5
(54.7, 64.1)
-6.4*
(-12.6, -0.3)
Milwaukee-Waukesha-West
Allis, WI
76.8
75.4
82.2
(75.2, 87.5)
6.7
(-1.5, 15.0)
Minneapolis-St.
Paul-Bloomington, MN-WI~
81.5
77.6
84.2
(79.8, 87.8)
6.6*
(0.3, 12.8)
Nashville-Davidson-Murfreesboro-Franklin, TN~
68.5
71.2
65.0
(58.6, 71.0)
-6.1
(-15.3, 3.0)
Geography
New Orleans-Metairie, LA~
66.2
64.8
66.3
(59.3, 72.6)
1.5
(-7.3, 10.4)
New York-Newark-Jersey
City, NY-NJ-PA~
64.3
60.8
64.9
(62.5, 67.2)
4.1*
(0.9, 7.2)
Oklahoma City, OK
64.5
58.6
66.3
(58.7, 73.1)
7.7
(-3.2, 18.6)
Omaha-Council Bluffs,
NE-IA
66.7
63.9
72.3
(66.9, 77.0)
8.4*
(0.1, 16.6)
Orlando-Kissimmee-Sanford, FL
57.1
61.6
64.7
(58.1, 70.8)
3.1
(-7.1, 13.2)
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
64.3
73.0
66.8
(62.3, 71.0)
-6.2*
(-11.8, -0.5)
Phoenix-Mesa-Scottsdale,
AZ
63.7
65.8
69.8
(65.4, 73.8)
4.0
(-2.6, 10.5)
Pittsburgh, PA
69.7
67.4
78.1
(72.7, 82.6)
10.6*
(3.1, 18.2)
Portland-South Portland,
ME~
80.1
71.7
71.6
(63.8, 78.3)
-0.1
(-9.5, 9.3)
Portland-Vancouver-Hillsboro, OR-WA
74.9
67.4
70.8
(65.9, 75.2)
3.4
(-2.6, 9.4)
Providence-Warwick,
RI-MA~
67.9
68.1
68.4
(64.1, 72.4)
0.3
(-6.8, 7.3)
Riverside-San Bernardino-Ontario, CA
64.9
68.5
61.1
(55.5, 66.4)
-7.4
(-14.9, 0.1)
Sacramento-Roseville-Arden-Arcade, CA
71.5
76.3
74.6
(68.7, 79.7)
-1.7
(-10.1, 6.7)
St. Louis, MO-IL~
72.7
71.5
72.1
(67.5, 76.3)
0.6
(-6.4, 7.6)
Salisbury, MD-DE~
NA
75.2
58.6
(45.4, 70.8)
-16.5
(-35.6, 2.6)
Salt Lake City, UT~
80.8
73.6
74.6
(68.0, 80.3)
1.0
(-7.6, 9.5)
San Antonio-New Braunfels,
TX
62.0
54.3
55.3
(49.0, 61.4)
0.9
(-9.9, 11.8)
San Diego-Carlsbad, CA
70.4
68.1
71.3
(64.8, 77.0)
3.2
(-4.9, 11.2)
San Francisco-Oakland-Hayward, CA
74.3
75.7
73.5
(68.2, 78.2)
-2.2
(-8.2, 3.9)
San Jose-Sunnyvale-Santa
Clara, CA
77.4
NA
71.3
(63.4, 78.2)
NA
NA
Seattle-Tacoma-Bellevue,
WA
77.4
75.8
73.9
(69.4, 78.0)
-1.9
(-8.0, 4.2)
Sioux Falls, SD
69.3
74.8
75.7
(69.2, 81.3)
0.9
(-9.4, 11.3)
Tampa-St. Petersburg-Clearwater, FL
69.9
73.4
67.6
(62.1, 72.7)
-5.7
(-12.9, 1.5)
(1.3, 20.9)
Tulsa, OK
66.6
58.9
69.9
(63.8, 75.4)
11.1*
Urban Honolulu, HI
68.6
74.2
77.4
(72.7, 81.5)
3.2
(-2.8, 9.2)
Virginia Beach-Norfolk-Newport News,
VA-NC~
56.8
63.4
70.6
(62.2, 77.8)
7.2
(-3.5, 18.0)
Washington-Arlington-Alexandria, DC-VA-MD-WV~
69.4
69.7
66.6
(62.8, 70.2)
-3.1
(-8.2, 2.0)
Wichita, KS~
63.1
66.2
64.2
(57.0, 70.8)
-2.0
(-12.6, 8.7)
Worcester, MA-CT~
NA
NA
82.0
(75.6, 87.0)
NA
NA
~ indicates areas with geographic boundary changes between the 2013 and 2015 surveys. See Appendix 1 (FDIC Technical Notes) for details. * indicates differences
that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The
population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
26
A.15 Proportion of Unbanked Households Not at All Likely to Open an Account by Previous Banking
Status and Household Characteristics, 2013-2017
For all unbanked households
2013
(Percent)
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
40.0
52.2
58.7
(56.3, 60.9)
6.5*
(3.1, 9.8)
Once had bank account
30.3
41.1
51.6
(48.3, 54.9)
10.4*
(5.9, 15.0)
Never had bank account
48.4
62.7
65.2
(62.2, 68.0)
2.4
(-1.9, 6.7)
Unknown
NA
NA
NA
NA
NA
NA
Less than $15,000
41.4
53.5
62.3
(59.0, 65.5)
8.8*
(4.1, 13.5)
$15,000 to $30,000
36.7
52.1
56.9
(52.4, 61.3)
4.7
(-1.3, 10.8)
$30,000 to $50,000
39.0
49.4
57.8
(52.8, 62.6)
8.4*
(0.6, 16.2)
$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
46.8
58.0
65.0
(61.4, 68.6)
7.1*
(2.0, 12.2)
High school diploma
35.7
49.5
59.0
(55.3, 62.7)
9.5*
(4.3, 14.7)
Some college
35.8
46.9
51.3
(46.5, 56.2)
4.4
(-1.9, 10.7)
College degree
40.0
53.3
48.6
(40.6, 56.7)
-4.7
(-17.7, 8.3)
15 to 24 years
28.7
32.1
50.6
(41.5, 59.6)
18.5*
(7.2, 29.7)
25 to 34 years
30.9
45.3
49.5
(44.5, 54.5)
4.1
(-2.5, 10.8)
35 to 44 years
35.9
50.7
55.4
(51.0, 59.7)
4.7
(-1.6, 11.1)
45 to 54 years
42.8
55.6
56.4
(51.4, 61.2)
0.7
(-6.6, 8.1)
55 to 64 years
51.4
62.2
65.4
(60.1, 70.3)
3.2
(-4.3, 10.6)
65 years or more
63.6
70.5
76.1
(71.3, 80.2)
5.5
(-2.1, 13.1)
Black
35.9
48.2
53.8
(50.0, 57.5)
5.6*
(0.3, 10.9)
Hispanic
40.0
52.3
64.2
(60.0, 68.2)
11.9*
(6.5, 17.3)
Asian
NA
NA
NA
NA
NA
NA
White
43.5
56.2
59.4
(56.1, 62.6)
3.3
(-1.4, 7.9)
Other
NA
NA
NA
NA
NA
NA
Disabled, age 25 to 64
51.4
59.4
67.8
(64.0, 71.5)
8.5*
(2.3, 14.6)
Not disabled, age 25 to 64
33.9
49.5
50.9
(47.9, 54.0)
1.4
(-2.9, 5.7)
Not applicable (not age 25
to 64)
45.7
51.6
67.6
(63.0, 71.8)
16.0*
(9.3, 22.7)
Income was about the same
each month
54.7
62.8
(60.1, 65.4)
8.1*
(4.3, 12.0)
Income varied somewhat
from month to month
41.7
50.1
(44.9, 55.3)
8.3*
(1.1, 15.6)
Income varied a lot from
month to month
49.3
43.4
(36.3, 50.8)
-5.9
(-15.7, 3.9)
Unknown
64.2
59.4
(50.3, 67.8)
-4.9
(-16.2, 6.5)
Characteristics
All
Previously banked
Family income
Education
Age group
Race/Ethnicity
Disability status
Monthly income
volatility
27 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.15 Proportion of Unbanked Households Not at All Likely to Open an Account by Previous Banking
Status and Household Characteristics, 2013-2017
For all unbanked households
2013
(Percent)
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
Employed
35.9
48.3
54.7
(51.1, 58.2)
6.3*
(1.3, 11.4)
Unemployed
22.4
34.2
26.7
(20.3, 34.2)
-7.5
(-16.2, 1.1)
Not in labor force
49.4
59.6
67.3
(64.4, 70.1)
7.7*
(3.1, 12.3)
Homeowner
43.1
60.0
60.7
(55.9, 65.3)
0.6
(-5.9, 7.2)
Non-homeowner
39.2
50.2
58.1
(55.4, 60.7)
7.9*
(4.2, 11.7)
Married couple
37.4
49.1
55.5
(51.2, 59.8)
6.4
(-0.1, 12.9)
Unmarried female-headed
family
29.7
46.6
49.6
(45.4, 53.8)
3.0
(-2.5, 8.5)
Unmarried male-headed
family
35.1
57.1
58.7
(50.0, 66.9)
1.6
(-9.8, 13.0)
Female individual
51.3
59.3
65.9
(61.2, 70.3)
6.6*
(0.2, 13.0)
Male individual
49.9
56.0
66.3
(61.8, 70.5)
10.3*
(4.1, 16.4)
Other
NA
NA
NA
NA
NA
NA
U.S.-born
39.2
52.1
57.4
(54.9, 59.9)
5.3*
(1.7, 8.9)
Foreign-born citizen
48.5
NA
NA
NA
NA
NA
Foreign-born non-citizen
41.2
52.4
65.9
(60.0, 71.3)
13.4*
(5.8, 21.1)
Spanish is not only language spoken
39.2
51.7
57.0
(54.6, 59.4)
5.4*
(1.8, 8.9)
Spanish is only language
spoken
47.0
57.0
68.6
(62.9, 73.8)
11.6*
(3.5, 19.6)
Metropolitan area - principal
city
39.2
48.5
57.1
(53.0, 61.1)
8.6*
(3.0, 14.1)
Metropolitan area - balance
38.6
55.8
58.6
(54.7, 62.4)
2.7
(-2.8, 8.3)
Not in metropolitan area
44.4
53.0
62.9
(57.5, 68.0)
9.9*
(2.5, 17.2)
Not identified
39.6
54.0
58.8
(52.3, 65.1)
4.8
(-3.8, 13.4)
Northeast
36.8
56.7
59.7
(53.1, 66.0)
3.0
(-5.1, 11.2)
Midwest
40.2
49.5
55.9
(51.5, 60.2)
6.4
(-0.3, 13.1)
South
39.2
50.1
57.1
(53.9, 60.4)
7.0*
(2.6, 11.4)
West
43.6
55.8
63.5
(59.0, 67.8)
7.7*
(1.1, 14.2)
Characteristics
Employment status
Homeownership
Household type
Nativity
Spanish only language
spoken
Metropolitan status
Geographic region
Excludes households with missing information on likelihood of opening a bank account in next 12 months. Monthly income volatility is not available in 2013.
* indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an
estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
28
A.16 All Reasons Households Were Unbanked by Previous Banking Status, 2017
For all unbanked households, column percent
Characteristics
All
Once had bank account
Never had bank account
Number of Households (1000s)
8,433
3,854
4,353
Percent of Households
100.0
100.0
100.0
Yes
9.4
11.0
8.3
No
85.3
86.9
87.8
Unknown
5.3
2.1
3.9
Yes
9.2
10.2
8.6
No
85.3
88.0
86.9
Unknown
5.4
1.9
4.4
Yes
24.7
29.9
21.1
No
69.4
67.9
73.6
Unknown
5.9
2.2
5.3
Yes
20.2
24.9
17.0
No
73.4
72.5
77.3
Unknown
6.5
2.6
5.7
Yes
13.1
13.8
13.2
No
80.2
83.4
80.8
Unknown
6.7
2.8
6.0
Yes
30.2
28.5
32.6
No
63.6
69.1
61.6
Unknown
6.2
2.4
5.8
Yes
52.7
53.4
54.5
No
39.7
43.4
38.1
Unknown
7.6
3.2
7.4
Yes
28.2
29.9
28.1
No
63.3
66.0
63.7
Unknown
8.5
4.2
8.2
Yes
14.0
13.2
15.3
No
77.0
82.9
75.3
Unknown
9.0
3.8
9.4
Inconvenient hours (Percent)
Inconvenient locations (Percent)
Account fees too high (Percent)
Account fees unpredictable (Percent)
Banks do not offer needed products or services (Percent)
Do not trust banks (Percent)
Do not have enough money to keep in account (Percent)
Avoiding bank gives more privacy (Percent)
ID, credit, or former bank account problems (Percent)
29 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.16 All Reasons Households Were Unbanked by Previous Banking Status, 2017
For all unbanked households, column percent
Characteristics
All
Once had bank account
Never had bank account
Yes
14.9
19.7
11.3
No
76.9
76.4
80.8
Unknown
8.2
3.9
7.9
Other reason (Percent)
NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than
zero. Estimates do not always reconcile to totals because of rounding.
A.17 M
ain Reason Households Were Unbanked by Previous Banking Status, 2017
For all unbanked households, column percent
Characteristics
All
Once had bank account
Never had bank account
Number of Households (1000s)
8,433
3,854
4,353
Percent of Households
100.0
100.0
100.0
Inconvenient hours
4.1
4.6
3.7
Inconvenient locations
2.1
2.7
1.7
Account fees too high
8.6
10.9
6.7
Account fees unpredictable
1.3
2.3
0.5
Banks do not offer needed products or services
1.6
1.6
1.7
Do not trust banks
12.6
11.2
14.1
Do not have enough money to keep in account
34.0
33.9
35.9
Avoiding bank gives more privacy
3.0
2.4
3.7
ID, credit, or former bank account problems
4.9
5.1
5.0
Other reason
12.3
16.7
9.0
Unknown
15.5
8.6
17.9
Main reason unbanked (Percent)
NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than
zero. Estimates do not always reconcile to totals because of rounding.
30
A.18 All Reasons Households Were Unbanked by Likelihood of Opening an Account, 2017
For all unbanked households, column percent
Characteristics
All
Very likely
Somewhat likely
Not very likely
Not at all likely
Number of Households (1000s)
8,433
728
1,195
1,252
4,507
Percent of Households
100.0
100.0
100.0
100.0
100.0
Inconvenient hours (Percent)
Yes
9.4
11.7
8.1
9.6
10.2
No
85.3
88.3
91.2
89.3
89.1
Unknown
5.3
-
0.7
1.0
0.7
Yes
9.2
11.1
7.7
8.1
10.3
No
85.3
88.9
91.6
90.8
89.0
Unknown
5.4
-
0.6
1.0
0.7
Yes
24.7
27.9
30.7
26.8
24.3
No
69.4
72.1
68.6
71.6
75.0
Unknown
5.9
-
0.7
1.6
0.7
Yes
20.2
21.4
23.6
22.5
20.4
No
73.4
78.6
75.7
75.9
78.3
Unknown
6.5
-
0.7
1.6
1.4
Yes
13.1
10.1
10.2
14.3
16.0
No
80.2
89.9
89.1
83.8
82.8
Unknown
6.7
-
0.7
1.9
1.2
Yes
30.2
21.0
24.7
31.5
36.2
No
63.6
79.0
75.0
67.6
62.9
Unknown
6.2
-
0.4
0.8
1.0
Yes
52.7
55.8
59.4
61.1
54.4
No
39.7
44.2
39.4
37.2
44.2
Unknown
7.6
-
1.2
1.7
1.3
Yes
28.2
26.1
24.8
32.2
31.9
No
63.3
73.8
73.5
66.1
65.5
Unknown
8.5
0.2
1.7
1.7
2.6
Inconvenient locations
(Percent)
Account fees too high
(Percent)
Account fees unpredictable
(Percent)
Banks do not offer needed
products or services (Percent)
Do not trust banks (Percent)
Do not have enough money to
keep in account (Percent)
Avoiding bank gives more
privacy (Percent)
31 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
A.18 All Reasons Households Were Unbanked by Likelihood of Opening an Account, 2017
For all unbanked households, column percent
Characteristics
All
Very likely
Somewhat likely
Not very likely
Not at all likely
Yes
14.0
14.2
13.6
17.1
15.1
No
77.0
85.8
84.8
81.1
82.7
Unknown
9.0
-
1.6
1.7
2.2
Yes
14.9
17.8
11.6
15.8
17.2
No
76.9
82.2
86.7
83.0
81.7
Unknown
8.2
-
1.7
1.1
1.1
ID, credit, or former bank
account problems (Percent)
Other reason (Percent)
NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than
zero. Estimates do not always reconcile to totals because of rounding.
A.19 Main Reason Households Were Unbanked by Likelihood of Opening an Account, 2017
For all unbanked households, column percent
Characteristics
All
Very likely
Somewhat likely
Not very likely
Not at all likely
Number of Households (1000s)
8,433
728
1,195
1,252
4,507
Percent of Households
100.0
100.0
100.0
100.0
100.0
Inconvenient hours
4.1
4.8
2.3
2.8
4.8
Inconvenient locations
2.1
5.4
1.7
2.1
2.0
Account fees too high
8.6
10.2
12.8
8.4
7.8
Account fees unpredictable
1.3
2.9
0.8
2.5
1.0
Banks do not offer needed products or services
1.6
-
2.2
2.9
1.6
Do not trust banks
12.6
6.5
8.3
9.4
16.8
Do not have enough money to
keep in account
34.0
38.6
37.7
41.0
34.3
Avoiding bank gives more privacy
3.0
2.3
2.0
3.2
3.6
ID, credit, or former bank account
problems
4.9
7.2
5.5
5.8
4.9
Other reason
12.3
17.3
9.8
12.1
14.0
Unknown
15.5
4.9
16.8
9.8
9.1
Main reason unbanked
(Percent)
NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than
zero. Estimates do not always reconcile to totals because of rounding.
32
B.1 Types of Accounts Owned by Banked Households, 2017
For all banked households, row percent
Number of
Households
(1000s)
Percent of
Households
Checking
and savings
(Percent)
Savings only
(Percent)
Checking only
(Percent)
118,253
100.0
76.2
1.8
22.0
Less than $15,000
11,505
100.0
46.8
6.0
47.2
$15,000 to $30,000
16,970
100.0
58.1
3.1
38.8
$30,000 to $50,000
23,697
100.0
72.0
1.8
26.2
$50,000 to $75,000
22,931
100.0
82.2
1.1
16.8
At least $75,000
43,151
100.0
90.4
0.6
9.0
No high school diploma
9,421
100.0
46.4
6.3
47.3
High school diploma
29,429
100.0
68.3
2.3
29.3
Some college
34,583
100.0
76.9
1.3
21.7
College degree
44,820
100.0
87.1
0.9
12.0
15 to 24 years
5,797
100.0
72.6
1.7
25.7
25 to 34 years
18,779
100.0
78.6
1.3
20.1
35 to 44 years
19,502
100.0
78.6
1.5
19.9
45 to 54 years
21,247
100.0
78.1
1.9
20.0
55 to 64 years
22,558
100.0
75.6
1.9
22.5
65 years or more
30,371
100.0
73.1
2.2
24.7
Black
14,595
100.0
68.0
3.7
28.4
Hispanic
14,005
100.0
65.1
3.1
31.9
Asian
6,385
100.0
78.6
2.1
19.3
White
81,538
100.0
79.6
1.2
19.1
Other
1,730
100.0
67.5
2.8
29.7
Disabled, age 25 to 64
9,037
100.0
57.4
4.1
38.6
Not disabled, age 25 to 64
73,048
100.0
80.1
1.4
18.5
Not applicable (not age 25 to 64)
36,168
100.0
73.0
2.1
24.8
Income was about the same each
month
86,178
100.0
76.4
1.9
21.7
Income varied somewhat from
month to month
19,405
100.0
77.2
1.4
21.4
Income varied a lot from month to
month
4,308
100.0
72.1
2.6
25.3
Unknown
8,362
100.0
74.7
1.4
24.0
Employed
74,424
100.0
80.4
1.3
18.3
Unemployed
2,694
100.0
66.1
3.3
30.6
Not in labor force
41,135
100.0
69.4
2.7
27.9
Characteristics
All
Family income
Education
Age group
Race/Ethnicity
Disability status
Monthly income volatility
Employment status
33 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
B.1 Types of Accounts Owned by Banked Households, 2017
For all banked households, row percent
Number of
Households
(1000s)
Percent of
Households
Checking
and savings
(Percent)
Savings only
(Percent)
Checking only
(Percent)
Homeowner
78,910
100.0
81.7
1.2
17.0
Non-homeowner
39,343
100.0
65.2
3.0
31.8
Married couple
58,518
100.0
84.0
1.0
15.0
Unmarried female-headed family
12,509
100.0
66.8
2.2
31.0
Unmarried male-headed family
5,800
100.0
67.3
2.7
30.0
Female individual
21,906
100.0
70.0
2.6
27.4
Male individual
19,270
100.0
68.6
2.8
28.6
NA
NA
NA
NA
NA
101,734
100.0
77.5
1.7
20.9
Foreign-born citizen
9,371
100.0
72.9
1.8
25.3
Foreign-born non-citizen
7,148
100.0
63.1
4.0
32.9
114,600
100.0
77.2
1.6
21.2
3,653
100.0
46.0
7.1
46.9
Metropolitan area - principal city
33,973
100.0
76.9
2.0
21.1
Metropolitan area - balance
51,706
100.0
79.2
1.4
19.5
Not in metropolitan area
15,833
100.0
67.7
2.6
29.7
Not identified
16,741
100.0
74.0
2.1
23.9
Northeast
20,814
100.0
77.6
2.2
20.2
Midwest
25,733
100.0
77.1
1.8
21.0
South
44,629
100.0
72.5
1.9
25.6
West
27,078
100.0
80.4
1.5
18.2
Characteristics
Homeownership
Household type
Other
Nativity
U.S.-born
Spanish only language spoken
Spanish is not only language
spoken
Spanish is only language spoken
Metropolitan status
Geographic region
Excludes households with missing information on bank account types. NA indicates that the sample size is too small to produce a precise estimate. - indicates an
estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
34
B.2 Savings
Account Ownership Rates by Household Characteristics, Banked Households, 2013-2017
For all banked households
2013
(Percent)
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval, Difference
76.0
77.8
78.0
(77.6, 78.5)
0.3
(-0.4, 1.0)
Less than $15,000
51.5
52.6
52.8
(51.1, 54.5)
0.2
(-2.1, 2.6)
$15,000 to $30,000
62.1
62.9
61.2
(59.7, 62.7)
-1.8
(-3.6, 0.1)
$30,000 to $50,000
73.7
75.3
73.8
(72.8, 74.8)
-1.5*
(-2.8, -0.2)
$50,000 to $75,000
82.3
83.2
83.2
(82.4, 84.0)
0.0
(-1.2, 1.3)
At least $75,000
90.5
91.6
91.0
(90.4, 91.5)
-0.7
(-1.3, 0.0)
No high school diploma
54.4
53.8
52.7
(50.7, 54.6)
-1.2
(-3.7, 1.3)
High school diploma
68.4
69.1
70.7
(69.6, 71.7)
1.6*
(0.1, 3.1)
Some college
76.7
79.2
78.3
(77.5, 79.0)
-0.9
(-2.0, 0.2)
College degree
86.8
88.7
88.0
(87.5, 88.6)
-0.6
(-1.4, 0.1)
15 to 24 years
72.0
75.5
74.3
(71.9, 76.6)
-1.2
(-4.7, 2.3)
25 to 34 years
77.6
79.9
79.9
(78.9, 80.9)
0.0
(-1.6, 1.7)
35 to 44 years
77.3
79.9
80.1
(78.9, 81.2)
0.2
(-1.3, 1.7)
45 to 54 years
77.9
79.2
80.0
(79.0, 80.9)
0.8
(-0.6, 2.2)
55 to 64 years
75.7
76.8
77.5
(76.4, 78.6)
0.7
(-0.7, 2.2)
65 years or more
73.6
75.1
75.3
(74.4, 76.2)
0.3
(-0.9, 1.4)
Black
67.4
70.7
71.6
(70.0, 73.2)
1.0
(-1.3, 3.2)
Hispanic
66.3
68.2
68.1
(66.4, 69.9)
0.0
(-2.6, 2.5)
Asian
81.2
81.2
80.7
(78.5, 82.7)
-0.5
(-3.3, 2.2)
White
78.7
80.4
80.9
(80.3, 81.4)
0.4
(-0.3, 1.1)
Other
67.2
72.3
70.3
(66.4, 73.9)
-2.0
(-7.3, 3.3)
Disabled, age 25 to 64
58.4
58.6
61.4
(59.6, 63.2)
2.9*
(0.3, 5.4)
Not disabled, age 25 to 64
79.4
81.5
81.5
(81.0, 82.1)
0.1
(-0.8, 0.9)
Not applicable (not age 25 to 64)
73.3
75.1
75.2
(74.3, 76.0)
0.0
(-1.1, 1.1)
Income was about the same each
month
78.0
78.3
(77.7, 78.8)
0.3
(-0.5, 1.0)
Income varied somewhat from
month to month
79.4
78.6
(77.5, 79.6)
-0.8
(-2.4, 0.7)
Income varied a lot from month to
month
73.8
74.7
(72.4, 76.9)
1.0
(-2.3, 4.2)
Unknown
73.1
76.0
(74.1, 77.9)
3.0*
(0.3, 5.6)
Characteristics
All
Family income
Education
Age group
Race/Ethnicity
Disability status
Monthly income volatility
Employment status
Employed
79.8
81.9
81.7
(81.1, 82.2)
-0.3
(-1.0, 0.5)
Unemployed
67.8
70.6
69.4
(66.1, 72.4)
-1.2
(-5.4, 3.0)
Not in labor force
70.0
70.8
72.1
(71.2, 73.0)
1.3*
(0.1, 2.5)
35 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
B.2 Savings
Account Ownership Rates by Household Characteristics, Banked Households, 2013-2017
For all banked households
2013
(Percent)
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval, Difference
Homeowner
80.9
82.8
83.0
(82.4, 83.5)
0.2
(-0.5, 0.9)
Non-homeowner
65.4
67.8
68.2
(67.2, 69.1)
0.4
(-1.0, 1.8)
Married couple
82.7
84.4
85.0
(84.4, 85.6)
0.6
(-0.2, 1.4)
Unmarried female-headed family
67.1
67.3
69.0
(67.4, 70.6)
1.8
(-0.2, 3.7)
Unmarried male-headed family
67.7
72.1
70.0
(67.6, 72.3)
-2.1
(-5.4, 1.2)
Female individual
70.6
73.3
72.6
(71.5, 73.6)
-0.8
(-2.1, 0.6)
Male individual
69.8
72.1
71.4
(70.1, 72.7)
-0.7
(-2.6, 1.2)
Other
NA
NA
NA
NA
NA
NA
U.S.-born
77.0
78.9
79.1
(78.6, 79.6)
0.2
(-0.5, 0.9)
Foreign-born citizen
73.1
74.0
74.7
(72.9, 76.4)
0.7
(-1.8, 3.2)
Foreign-born non-citizen
65.0
66.0
67.1
(65.1, 69.0)
1.1
(-1.9, 4.1)
Spanish is not only language spoken
76.4
78.2
78.8
(78.4, 79.3)
0.6
(0.0, 1.3)
Spanish is only language spoken
52.6
50.3
53.1
(49.5, 56.7)
2.8
(-3.2, 8.8)
Metropolitan area - principal city
77.0
77.7
78.9
(77.9, 79.9)
1.1
(-0.3, 2.5)
Metropolitan area - balance
78.8
80.8
80.5
(79.8, 81.2)
-0.3
(-1.2, 0.7)
Not in metropolitan area
67.3
69.5
70.3
(68.6, 71.9)
0.8
(-1.1, 2.6)
Not identified
75.7
76.7
76.1
(74.7, 77.4)
-0.6
(-2.3, 1.1)
Northeast
78.2
78.4
79.8
(78.7, 80.9)
1.4
(-0.2, 3.0)
Midwest
78.2
80.0
79.0
(78.0, 79.9)
-1.0
(-2.3, 0.4)
South
70.9
73.2
74.4
(73.5, 75.3)
1.2*
(0.0, 2.4)
West
80.8
82.6
81.8
(80.8, 82.8)
-0.8
(-2.1, 0.5)
Characteristics
Homeownership
Household type
Nativity
Spanish only language spoken
Metropolitan status
Geographic region
Excludes households with missing information on bank account types. Monthly income volatility is not available in 2013. * indicates differences that are
statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The
population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
36
B.3 All
Methods Used to Access Bank Accounts by Banking Status and Household Characteristics, 2017
For all banked households that accessed their account in the past 12 months, row percent
Number of
Households
(1000s)
Percent of
Households
Bank teller
(Percent)
ATM/Kiosk
(Percent)
Telephone
banking
(Percent)
Online
banking
(Percent)
Mobile
banking
(Percent)
Other
(Percent)
115,040
100.0
73.6
71.6
28.9
63.0
40.4
0.9
Banked: Underbanked
23,880
100.0
73.6
78.3
33.4
58.5
46.1
0.3
Banked: Fully banked
86,924
100.0
73.6
69.9
27.9
64.7
39.2
1.0
Banked: Underbanked
status unknown
4,236
100.0
74.1
68.4
25.5
53.7
34.4
1.3
Less than $15,000
10,882
100.0
70.6
58.4
20.9
33.2
22.3
2.4
$15,000 to $30,000
16,254
100.0
74.6
61.1
22.5
38.4
25.3
1.5
$30,000 to $50,000
23,113
100.0
74.3
70.1
27.2
54.8
35.2
0.9
$50,000 to $75,000
22,552
100.0
73.7
72.5
30.3
67.8
40.9
0.5
At least $75,000
42,239
100.0
73.5
79.4
33.7
82.1
53.5
0.4
No high school diploma
8,861
100.0
73.4
57.1
18.4
24.5
18.0
1.9
High school diploma
28,442
100.0
74.3
65.8
24.7
46.7
29.5
1.5
Some college
33,782
100.0
73.9
72.7
30.9
65.2
41.7
0.7
College degree
43,954
100.0
72.9
77.5
32.3
79.7
51.1
0.5
15 to 24 years
5,780
100.0
64.2
78.6
29.8
67.9
63.5
0.3
25 to 34 years
18,539
100.0
65.3
81.1
32.5
76.5
65.7
0.2
35 to 44 years
19,067
100.0
68.7
78.4
32.8
74.1
56.0
0.2
45 to 54 years
20,691
100.0
74.5
77.8
32.6
70.6
45.6
0.4
55 to 64 years
22,079
100.0
76.0
72.5
28.8
61.7
30.1
0.7
65 years or more
28,884
100.0
81.6
54.6
21.4
41.6
13.5
2.3
Black
14,154
100.0
69.2
74.7
32.5
54.1
41.0
0.9
Characteristics
All
Unbanked and
underbanked
Family income
Education
Age group
Race/Ethnicity
Hispanic
13,591
100.0
68.9
73.2
28.2
53.5
42.5
0.5
Asian
6,242
100.0
66.7
70.9
25.7
72.6
47.5
0.3
White
79,349
100.0
75.6
70.7
28.5
65.6
39.3
1.0
Other
1,704
100.0
76.4
78.6
37.9
56.6
44.0
0.4
Disabled, age 25 to 64
8,737
100.0
72.4
70.1
28.5
47.4
28.6
1.2
Not disabled, age 25 to 64
71,639
100.0
71.3
78.1
32.0
73.2
50.9
0.3
Not applicable (not age 25
to 64)
34,664
100.0
78.7
58.6
22.8
46.0
21.8
2.0
Income was about the
same each month
85,368
100.0
72.9
70.4
28.0
62.2
38.9
1.0
Income varied somewhat
from month to month
19,294
100.0
76.3
77.9
32.7
68.1
48.4
0.5
Income varied a lot from
month to month
4,279
100.0
79.2
75.8
36.1
68.5
47.5
0.7
Unknown
6,099
100.0
71.3
66.4
25.5
54.1
31.4
1.1
Disability status
Monthly income
volatility
37 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
B.3 All
Methods Used to Access Bank Accounts by Banking Status and Household Characteristics, 2017
For all banked households that accessed their account in the past 12 months, row percent
Number of
Households
(1000s)
Percent of
Households
Bank teller
(Percent)
ATM/Kiosk
(Percent)
Telephone
banking
(Percent)
Online
banking
(Percent)
Mobile
banking
(Percent)
Other
(Percent)
Employed
73,004
100.0
71.6
77.6
31.8
72.9
51.0
0.3
Unemployed
2,675
100.0
72.0
78.7
33.3
62.4
44.5
-
Not in labor force
39,361
100.0
77.3
60.1
23.4
44.8
20.6
1.9
Homeowner
76,632
100.0
77.0
70.5
29.3
65.2
37.6
0.8
Non-homeowner
38,408
100.0
66.8
73.8
28.2
58.8
46.1
1.0
Married couple
57,182
100.0
75.8
73.9
31.2
70.6
43.5
0.5
Unmarried female-headed
family
12,248
100.0
71.3
75.8
30.4
58.4
45.4
0.5
Unmarried male-headed
family
5,730
100.0
71.9
73.9
27.4
57.5
41.8
0.5
Female individual
20,943
100.0
71.1
62.6
24.9
51.8
30.4
2.1
Male individual
18,664
100.0
71.5
71.1
25.8
57.1
38.2
1.0
NA
NA
NA
NA
NA
NA
NA
NA
U.S.-born
98,964
100.0
74.3
71.8
29.5
63.7
40.5
1.0
Foreign-born citizen
9,039
100.0
72.6
69.5
26.5
61.1
38.4
0.6
Foreign-born non-citizen
7,037
100.0
64.8
70.9
24.4
55.7
41.5
0.2
111,505
100.0
73.7
71.9
29.3
64.1
41.0
0.9
3,535
100.0
70.1
62.4
16.8
28.5
22.7
0.4
Metropolitan area principal city
33,167
100.0
69.4
75.2
30.8
64.6
45.0
0.8
Metropolitan area - balance
50,242
100.0
73.1
72.9
28.7
67.1
41.9
0.8
Not in metropolitan area
15,251
100.0
79.8
61.7
26.3
49.4
29.1
1.3
Not identified
16,380
100.0
77.6
69.7
28.3
59.8
37.1
0.7
Northeast
20,485
100.0
74.9
73.8
27.1
61.6
36.4
0.8
Midwest
25,012
100.0
76.9
68.2
27.0
62.3
39.4
1.1
South
43,114
100.0
72.0
70.6
29.3
61.0
39.7
0.9
West
26,429
100.0
72.0
74.7
31.7
68.0
45.7
0.6
Characteristics
Employment status
Homeownership
Household type
Other
Nativity
Spanish only language
spoken
Spanish is not only
language spoken
Spanish is only language
spoken
Metropolitan status
Geographic region
Excludes households with missing information on bank account access methods used. Row percentages may not sum to 100 because households were asked to
select all bank account methods used. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population
proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
38
B.4 Primary Method Used to Access Bank Accounts by Banking Status and Household Characteristics,
2017
For all banked households that accessed their account in the past 12 months, row percent
Number of
Households
(1000s)
Percent of
Households
Bank teller
(Percent)
ATM/Kiosk
(Percent)
Telephone
banking
(Percent)
Online
banking
(Percent)
Mobile
banking
(Percent)
Other
(Percent)
Unknown
(Percent)
115,040
100.0
24.3
19.9
2.9
36.0
15.6
0.7
0.6
Banked:
Underbanked
23,880
100.0
22.3
25.7
3.9
26.8
20.8
0.3
0.3
Banked: Fully
banked
86,924
100.0
24.6
18.2
2.7
38.9
14.5
0.8
0.3
Banked:
Underbanked
status unknown
4,236
100.0
29.0
21.9
2.1
28.5
9.5
1.0
7.9
Less than $15,000
10,882
100.0
38.8
26.0
4.1
17.2
11.2
2.2
0.4
$15,000 to
$30,000
16,254
100.0
38.0
24.5
4.3
19.4
11.7
1.5
0.6
$30,000 to
$50,000
23,113
100.0
28.9
22.8
3.4
27.7
16.0
0.8
0.4
$50,000 to
$75,000
22,552
100.0
23.3
18.7
3.0
38.0
15.8
0.4
0.7
At least $75,000
42,239
100.0
13.3
15.5
1.8
50.6
17.9
0.2
0.7
No high school
diploma
8,861
100.0
46.2
28.2
4.2
10.8
8.2
1.9
0.4
High school
diploma
28,442
100.0
33.8
24.4
3.6
24.7
11.6
1.3
0.6
Some college
33,782
100.0
22.9
20.3
3.3
35.0
17.5
0.5
0.5
College degree
43,954
100.0
14.8
15.0
2.0
49.1
18.2
0.2
0.7
15 to 24 years
5,780
100.0
13.3
21.9
2.2
26.2
36.1
0.3
0.2
25 to 34 years
18,539
100.0
10.6
15.9
1.9
35.7
35.0
0.1
0.7
35 to 44 years
19,067
100.0
13.6
17.8
2.8
42.4
22.6
0.1
0.6
45 to 54 years
20,691
100.0
18.7
22.2
2.6
42.6
13.2
0.2
0.5
55 to 64 years
22,079
100.0
26.1
23.4
3.5
39.0
7.0
0.4
0.6
65 years or more
28,884
100.0
45.1
18.9
3.6
26.9
2.7
2.2
0.7
Black
14,154
100.0
23.8
28.4
4.4
24.3
17.7
0.8
0.6
Hispanic
13,591
100.0
25.9
25.3
2.9
25.8
19.3
0.4
0.5
Asian
6,242
100.0
19.1
15.2
2.2
46.0
16.3
0.2
1.0
White
79,349
100.0
24.5
17.7
2.7
39.2
14.5
0.8
0.6
Other
1,704
100.0
24.5
24.2
2.6
29.8
18.5
0.1
0.3
Disabled, age 25
to 64
8,737
100.0
28.7
27.9
5.2
26.5
10.0
1.0
0.6
Not disabled, age
25 to 64
71,639
100.0
16.3
19.1
2.4
41.6
19.8
0.1
0.6
Not applicable
(not age 25 to 64)
34,664
100.0
39.8
19.4
3.4
26.8
8.2
1.8
0.6
Characteristics
All
Unbanked and
underbanked
Family income
Education
Age group
Race/Ethnicity
Disability status
39 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
B.4 Primary Method Used to Access Bank Accounts by Banking Status and Household Characteristics,
2017
For all banked households that accessed their account in the past 12 months, row percent
Number of
Households
(1000s)
Percent of
Households
Bank teller
(Percent)
ATM/Kiosk
(Percent)
Telephone
banking
(Percent)
Online
banking
(Percent)
Mobile
banking
(Percent)
Other
(Percent)
Unknown
(Percent)
Income was
about the same
each month
85,368
100.0
24.8
19.7
2.9
36.6
14.9
0.8
0.3
Income varied
somewhat from
month to month
19,294
100.0
20.8
20.5
3.1
35.2
19.6
0.3
0.4
Income varied a
lot from month to
month
4,279
100.0
24.9
16.4
2.7
35.8
19.3
0.4
0.4
Unknown
6,099
100.0
28.6
22.5
2.8
29.7
10.0
0.9
5.5
Employed
73,004
100.0
16.8
18.6
2.3
41.1
20.4
0.2
0.6
Unemployed
2,675
100.0
20.3
24.0
3.6
30.2
21.2
-
0.7
Not in labor force
39,361
100.0
38.5
21.9
4.0
26.9
6.3
1.8
0.7
Homeowner
76,632
100.0
26.1
17.8
2.8
39.7
12.3
0.6
0.6
Non-homeowner
38,408
100.0
20.8
24.0
3.1
28.5
22.1
0.9
0.5
Married couple
57,182
100.0
22.1
17.2
2.4
42.6
14.8
0.3
0.6
Unmarried
female-headed
family
12,248
100.0
22.1
26.1
3.6
28.1
19.4
0.4
0.3
Unmarried
male-headed
family
5,730
100.0
25.0
25.7
3.2
27.3
17.9
0.4
0.5
Female individual
20,943
100.0
30.3
19.2
4.5
30.4
12.9
2.0
0.7
Male individual
18,664
100.0
25.7
22.9
2.5
30.0
17.5
0.8
0.6
NA
NA
NA
NA
NA
NA
NA
NA
NA
U.S.-born
98,964
100.0
24.0
19.6
2.9
36.4
15.7
0.8
0.6
Foreign-born
citizen
9,039
100.0
26.2
21.9
2.9
35.3
12.4
0.5
0.8
Foreign-born noncitizen
7,037
100.0
26.2
21.6
2.8
30.5
17.9
0.2
0.9
111,505
100.0
23.8
19.5
2.9
36.7
15.8
0.7
0.6
3,535
100.0
41.7
31.3
3.0
14.0
9.3
0.4
0.3
Characteristics
Monthly income
volatility
Employment
status
Homeownership
Household type
Other
Nativity
Spanish only
language
spoken
Spanish is not
only language
spoken
Spanish is only
language spoken
40 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
B.4 Primary Method Used to Access Bank Accounts by Banking Status and Household Characteristics,
2017
For all banked households that accessed their account in the past 12 months, row percent
Number of
Households
(1000s)
Percent of
Households
Bank teller
(Percent)
ATM/Kiosk
(Percent)
Telephone
banking
(Percent)
Online
banking
(Percent)
Mobile
banking
(Percent)
Other
(Percent)
Unknown
(Percent)
Metropolitan area
- principal city
33,167
100.0
19.8
21.9
2.9
35.9
18.1
0.7
0.6
Metropolitan area
- balance
50,242
100.0
21.8
19.2
2.7
39.4
15.6
0.7
0.6
Not in
metropolitan area
15,251
100.0
37.8
18.3
3.9
27.4
11.2
1.1
0.5
Not identified
16,380
100.0
28.8
19.3
2.8
33.5
14.5
0.6
0.6
Northeast
20,485
100.0
26.0
24.4
2.9
33.0
12.3
0.6
0.9
Midwest
25,012
100.0
27.5
16.5
2.8
36.4
15.3
0.9
0.5
South
43,114
100.0
24.5
19.7
3.3
35.4
15.9
0.8
0.5
West
26,429
100.0
19.6
19.7
2.6
38.9
18.0
0.5
0.6
Characteristics
Metropolitan
status
Geographic
region
Excludes households with missing information on bank account access methods used. NA indicates that the sample size is too small to produce a precise
estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of
rounding.
41 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
B.5 Bank Teller as Primary Method Used to Access Bank Accounts by Banking Status and Household
Characteristics, 2013-2017
For all banked households that accessed their account in the past 12 months
2013
(Percent)
2015
(Percent)
2017
(Percent)
90%
Confidence
Interval, 2017
Difference
(2017-2015)
90%
Confidence
Interval,
Difference
32.2
28.2
24.3
(23.8, 24.8)
-3.8*
(-4.5, -3.2)
Banked: Underbanked
29.0
27.8
22.3
(21.4, 23.3)
-5.5*
(-7.1, -3.9)
Banked: Fully banked
33.0
28.2
24.6
(24.1, 25.2)
-3.5*
(-4.3, -2.8)
Banked: Underbanked status
unknown
38.8
31.5
29.0
(26.6, 31.6)
-2.4
(-6.5, 1.7)
Less than $15,000
47.5
41.7
38.8
(37.1, 40.5)
-2.8*
(-5.0, -0.7)
$15,000 to $30,000
44.9
40.5
38.0
(36.7, 39.3)
-2.5*
(-4.2, -0.7)
$30,000 to $50,000
35.7
32.5
28.9
(27.7, 30.1)
-3.6*
(-5.3, -1.9)
$50,000 to $75,000
28.3
25.8
23.3
(22.4, 24.3)
-2.5*
(-3.8, -1.2)
At least $75,000
20.1
16.7
13.3
(12.7, 14.0)
-3.4*
(-4.3, -2.5)
No high school diploma
55.6
50.8
46.2
(44.2, 48.3)
-4.5*
(-7.4, -1.6)
High school diploma
41.8
38.2
33.8
(32.8, 34.8)
-4.4*
(-5.9, -2.9)
Some college
30.2
25.6
22.9
(22.1, 23.8)
-2.6*
(-3.8, -1.4)
College degree
21.0
17.9
14.8
(14.2, 15.4)
-3.1*
(-4.1, -2.1)
15 to 24 years
21.1
15.9
13.3
(11.5, 15.2)
-2.7*
(-5.3, -0.1)
25 to 34 years
17.0
14.3
10.6
(9.8, 11.5)
-3.6*
(-4.9, -2.4)
35 to 44 years
21.1
16.9
13.6
(12.6, 14.6)
-3.3*
(-4.7, -2.0)
45 to 54 years
26.7
22.9
18.7
(17.7, 19.7)
-4.2*
(-5.8, -2.6)
55 to 64 years
36.1
31.7
26.1
(25.1, 27.0)
-5.6*
(-7.1, -4.1)
65 years or more
54.6
48.7
45.1
(44.1, 46.1)
-3.6*
(-4.9, -2.3)
Black
33.1
30.1
23.8
(22.4, 25.3)
-6.3*
(-8.3, -4.3)
Hispanic
34.0
29.3
25.9
(24.4, 27.4)
-3.4*
(-5.6, -1.2)
Asian
29.7
25.5
19.1
(17.1, 21.2)
-6.4*
(-9.7, -3.1)
White
32.0
27.9
24.5
(24.0, 25.1)
-3.3*
(-4.0, -2.7)
Other
32.0
25.4
24.5
(20.8, 28.6)
-0.8
(-5.9, 4.2)
Disabled, age 25 to 64
35.6
32.4
28.7
(27.0, 30.5)
-3.7*
(-6.1, -1.4)
Not disabled, age 25 to 64
24.5
20.6
16.3
(15.8, 16.8)
-4.3*
(-5.0, -3.5)
Not applicable (not age 25
to 64)
49.0
43.3
39.8
(38.9, 40.7)
-3.5*
(-4.7, -2.3)
Income was about the same
each month
28.6
24.8
(24.3, 25.3)
-3.8*
(-4.5, -3.0)
Income varied somewhat from
month to month
25.3
20.8
(19.6, 22.0)
-4.5*
(-6.2, -2.8)
Characteristics
All
Unbanked and
underbanked
Family income
Education
Age group
Race/Ethnicity
Disability status
Monthly income volatility
42
B.5 Bank Teller as Primary Method Used to Access Bank Accounts by Banking Status and Household
Characteristics, 2013-2017
For all banked households that accessed their account in the past 12 months
2015
(Percent)
2017
(Percent)
90%
Confidence
Interval, 2017
Difference
(2017-2015)
90%
Confidence
Interval,
Difference
Income varied a lot from
month to month
30.2
24.9
(22.6, 27.4)
-5.3*
(-8.6, -1.9)
Unknown
30.3
28.6
(26.4, 31.0)
-1.7
(-4.9, 1.5)
Characteristics
2013
(Percent)
Employment status
Employed
24.7
20.6
16.8
(16.3, 17.3)
-3.8*
(-4.5, -3.0)
Unemployed
28.7
21.4
20.3
(17.5, 23.5)
-1.1
(-5.3, 3.1)
Not in labor force
47.1
42.6
38.5
(37.6, 39.4)
-4.1*
(-5.3, -3.0)
Homeowner
34.1
30.2
26.1
(25.5, 26.7)
-4.1*
(-4.9, -3.3)
Non-homeowner
28.2
24.2
20.8
(20.0, 21.6)
-3.4*
(-4.5, -2.2)
Married couple
30.4
26.2
22.1
(21.4, 22.8)
-4.1*
(-5.0, -3.2)
Unmarried
female-headed family
30.2
25.8
22.1
(20.7, 23.4)
-3.8*
(-5.8, -1.8)
Unmarried male-headed
family
34.1
28.4
25.0
(23.0, 27.2)
-3.4*
(-6.4, -0.4)
Female individual
38.4
34.8
30.3
(29.3, 31.4)
-4.4*
(-6.0, -2.9)
Male individual
32.2
28.5
25.7
(24.5, 26.9)
-2.8*
(-4.5, -1.2)
Other
NA
NA
NA
NA
NA
NA
U.S.-born
31.6
27.5
24.0
(23.5, 24.5)
-3.5*
(-4.2, -2.8)
Foreign-born citizen
37.0
34.4
26.2
(24.6, 27.9)
-8.2*
(-10.8, -5.5)
Foreign-born non-citizen
35.1
29.0
26.2
(24.1, 28.4)
-2.8*
(-5.5, 0.0)
Spanish is not only language
spoken
31.9
27.8
23.8
(23.3, 24.2)
-4.0*
(-4.7, -3.4)
Spanish is only language
spoken
54.3
49.7
41.7
(38.4, 45.0)
-8.0*
(-13.4, -2.6)
Metropolitan area
- principal city
28.9
24.6
19.8
(19.0, 20.6)
-4.8*
(-6.0, -3.6)
Metropolitan area - balance
29.1
24.9
21.8
(21.1, 22.4)
-3.2*
(-4.1, -2.2)
Not in metropolitan area
44.9
41.5
37.8
(36.2, 39.4)
-3.8*
(-5.8, -1.8)
Not identified
34.0
31.9
28.8
(27.5, 30.1)
-3.1*
(-5.0, -1.3)
Northeast
32.9
27.9
26.0
(24.9, 27.0)
-2.0*
(-3.5, -0.5)
Midwest
35.6
31.2
27.5
(26.5, 28.6)
-3.7*
(-5.1, -2.2)
South
33.3
29.7
24.5
(23.8, 25.3)
-5.2*
(-6.3, -4.0)
West
26.4
23.0
19.6
(18.8, 20.5)
-3.4*
(-4.7, -2.0)
Homeownership
Household type
Nativity
Spanish only language
spoken
Metropolitan status
Geographic region
Excludes households with missing information on bank account access methods used. Monthly income volatility is not available in 2013. * indicates differences
that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The
population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
43 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
B.6 ATM/Kiosk as Primary Method Used to Access Bank Accounts by Banking Status and Household
Characteristics, 2013-2017
For all banked households that accessed their account in the past 12 months
2013
(Percent)
2015
(Percent)
2017
(Percent)
90%
Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
24.4
21.0
19.9
(19.4, 20.3)
-1.2*
(-1.8, -0.5)
Banked: Underbanked
29.5
27.0
25.7
(24.6, 26.9)
-1.3
(-2.8, 0.2)
Banked: Fully banked
23.0
19.2
18.2
(17.7, 18.6)
-1.0*
(-1.7, -0.4)
Banked: Underbanked status
unknown
21.2
23.6
21.9
(19.9, 24.1)
-1.7
(-5.0, 1.6)
Less than $15,000
27.1
25.6
26.0
(24.4, 27.7)
0.4
(-1.7, 2.6)
$15,000 to $30,000
26.3
25.0
24.5
(23.2, 25.8)
-0.5
(-2.1, 1.2)
$30,000 to $50,000
26.3
23.8
22.8
(21.9, 23.8)
-0.9
(-2.2, 0.3)
$50,000 to $75,000
24.0
19.6
18.7
(17.7, 19.7)
-0.9
(-2.3, 0.5)
At least $75,000
21.4
16.9
15.5
(14.9, 16.1)
-1.4*
(-2.4, -0.4)
No high school diploma
26.9
26.4
28.2
(26.3, 30.1)
1.8
(-1.0, 4.6)
High school diploma
27.5
24.4
24.4
(23.4, 25.4)
0.0
(-1.4, 1.4)
Some college
24.7
21.5
20.3
(19.4, 21.1)
-1.3*
(-2.4, -0.1)
College degree
21.1
17.0
15.0
(14.4, 15.6)
-2.0*
(-3.0, -1.1)
15 to 24 years
27.4
24.3
21.9
(19.5, 24.4)
-2.5
(-5.8, 0.8)
25 to 34 years
23.5
18.4
15.9
(14.8, 17.1)
-2.5*
(-4.0, -1.0)
35 to 44 years
24.5
19.7
17.8
(16.8, 18.9)
-1.8*
(-3.2, -0.5)
45 to 54 years
27.5
23.8
22.2
(21.2, 23.3)
-1.6*
(-3.1, 0.0)
55 to 64 years
25.9
22.8
23.4
(22.4, 24.3)
0.6
(-0.9, 2.0)
65 years or more
20.4
19.5
18.9
(18.1, 19.8)
-0.6
(-1.7, 0.6)
Black
31.6
28.2
28.4
(26.7, 30.1)
0.2
(-2.1, 2.5)
Hispanic
29.8
27.0
25.3
(23.7, 26.9)
-1.7
(-4.0, 0.6)
Asian
21.6
18.4
15.2
(13.4, 17.2)
-3.1*
(-6.0, -0.3)
White
22.5
19.0
17.7
(17.2, 18.2)
-1.3*
(-2.0, -0.5)
Other
29.5
22.9
24.2
(21.0, 27.6)
1.3
(-3.2, 5.7)
Disabled, age 25 to 64
29.3
27.7
27.9
(26.1, 29.8)
0.2
(-2.1, 2.5)
Not disabled, age 25 to 64
25.0
20.5
19.1
(18.5, 19.6)
-1.4*
(-2.2, -0.6)
Not applicable (not age 25
to 64)
21.5
20.3
19.4
(18.7, 20.2)
-0.9
(-1.9, 0.2)
Income was about the same
each month
21.1
19.7
(19.2, 20.2)
-1.4*
(-2.1, -0.6)
Income varied somewhat from
month to month
20.5
20.5
(19.3, 21.7)
0.1
(-1.5, 1.6)
Income varied a lot from
month to month
19.1
16.4
(14.3, 18.7)
-2.6
(-5.6, 0.3)
Unknown
24.8
22.5
(20.4, 24.8)
-2.3
(-5.4, 0.8)
Characteristics
All
Unbanked and
underbanked
Family income
Education
Age group
Race/Ethnicity
Disability status
Monthly income volatility
44
B.6 ATM/Kiosk as Primary Method Used to Access Bank Accounts by Banking Status and Household
Characteristics, 2013-2017
For all banked households that accessed their account in the past 12 months
2013
(Percent)
2015
(Percent)
2017
(Percent)
90%
Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
Employed
24.8
20.2
18.6
(18.1, 19.2)
-1.6*
(-2.4, -0.8)
Unemployed
27.5
29.6
24.0
(21.2, 26.9)
-5.6*
(-10.0, -1.3)
Not in labor force
23.2
21.9
21.9
(21.1, 22.7)
0.0
(-1.0, 0.9)
Homeowner
22.0
18.5
17.8
(17.3, 18.3)
-0.7
(-1.4, 0.0)
Non-homeowner
29.5
26.2
24.0
(23.1, 24.9)
-2.1*
(-3.5, -0.8)
Married couple
21.8
18.3
17.2
(16.6, 17.8)
-1.1*
(-2.0, -0.2)
Unmarried female-headed
family
31.6
26.4
26.1
(24.7, 27.6)
-0.2
(-2.2, 1.8)
Unmarried male-headed
family
30.0
26.8
25.7
(23.3, 28.2)
-1.1
(-4.8, 2.5)
Female individual
22.5
20.4
19.2
(18.2, 20.1)
-1.2
(-2.5, 0.0)
Male individual
28.0
24.4
22.9
(21.8, 24.1)
-1.5
(-3.1, 0.1)
Other
NA
NA
NA
NA
NA
NA
U.S.-born
24.1
20.8
19.6
(19.1, 20.0)
-1.2*
(-1.9, -0.6)
Foreign-born citizen
24.6
18.8
21.9
(20.2, 23.7)
3.1*
(0.8, 5.4)
Foreign-born non-citizen
28.2
27.4
21.6
(19.8, 23.5)
-5.8*
(-8.3, -3.3)
Spanish is not only language
spoken
24.3
20.9
19.5
(19.0, 20.0)
-1.4*
(-2.1, -0.8)
Spanish is only language
spoken
28.5
26.6
31.3
(27.9, 34.9)
4.7
(-0.2, 9.6)
Metropolitan area - principal
city
26.8
23.2
21.9
(20.9, 22.9)
-1.3
(-2.7, 0.0)
Metropolitan area - balance
23.6
20.6
19.2
(18.5, 19.9)
-1.4*
(-2.4, -0.5)
Not in metropolitan area
22.7
18.9
18.3
(17.1, 19.5)
-0.7
(-2.5, 1.1)
Not identified
24.0
20.2
19.3
(18.2, 20.5)
-0.9
(-2.5, 0.6)
Northeast
29.5
25.5
24.4
(23.2, 25.5)
-1.1
(-2.8, 0.6)
Midwest
22.1
19.1
16.5
(15.7, 17.4)
-2.6*
(-4.0, -1.2)
South
23.2
20.1
19.7
(19.0, 20.5)
-0.4
(-1.4, 0.7)
West
24.5
20.8
19.7
(18.7, 20.8)
-1.1
(-2.5, 0.3)
Characteristics
Employment status
Homeownership
Household type
Nativity
Spanish only language
spoken
Metropolitan status
Geographic region
Excludes households with missing information on bank account access methods used. Monthly income volatility is not available in 2013. * indicates differences
that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The
population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
45 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
B.7 Telephone Banking as Primary Method Used to Access Bank Accounts by Banking Status and
Household Characteristics, 2013-2017
For all banked households that accessed their account in the past 12 months
2013
(Percent)
2015
(Percent)
2017
(Percent)
90%
Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
3.3
3.0
2.9
(2.7, 3.1)
0.0
(-0.3, 0.2)
Banked: Underbanked
4.6
3.9
3.9
(3.4, 4.4)
-0.1
(-0.7, 0.6)
Banked: Fully banked
3.0
2.7
2.7
(2.5, 2.9)
0.0
(-0.2, 0.3)
Banked: Underbanked status
unknown
2.8
2.8
2.1
(1.4, 3.3)
-0.6
(-2.0, 0.8)
Less than $15,000
4.2
4.6
4.1
(3.5, 4.8)
-0.5
(-1.5, 0.5)
$15,000 to $30,000
4.4
3.5
4.3
(3.7, 4.9)
0.8
(0.0, 1.5)
$30,000 to $50,000
3.7
3.7
3.4
(3.0, 3.9)
-0.3
(-0.9, 0.4)
$50,000 to $75,000
3.1
2.5
3.0
(2.7, 3.4)
0.5*
(0.0, 1.0)
At least $75,000
2.3
2.0
1.8
(1.6, 2.1)
-0.2
(-0.5, 0.2)
No high school diploma
4.0
4.2
4.2
(3.5, 5.2)
0.0
(-1.1, 1.1)
High school diploma
3.8
3.6
3.6
(3.3, 4.1)
0.0
(-0.6, 0.6)
Some college
3.6
3.4
3.3
(2.9, 3.6)
-0.1
(-0.6, 0.4)
College degree
2.5
1.8
2.0
(1.7, 2.2)
0.1
(-0.2, 0.5)
15 to 24 years
2.9
2.1
2.2
(1.7, 3.0)
0.1
(-0.9, 1.2)
25 to 34 years
3.1
2.1
1.9
(1.5, 2.3)
-0.2
(-0.8, 0.3)
35 to 44 years
3.0
2.7
2.8
(2.4, 3.4)
0.2
(-0.5, 0.8)
45 to 54 years
3.2
2.9
2.6
(2.2, 3.0)
-0.4
(-1.0, 0.2)
55 to 64 years
3.5
3.4
3.5
(3.1, 4.1)
0.2
(-0.5, 0.8)
65 years or more
3.8
3.6
3.6
(3.2, 4.0)
0.0
(-0.5, 0.6)
Black
4.8
4.1
4.4
(3.7, 5.3)
0.3
(-0.7, 1.3)
Hispanic
3.6
3.2
2.9
(2.4, 3.5)
-0.3
(-1.1, 0.5)
Asian
1.5
1.7
2.2
(1.6, 3.1)
0.5
(-0.5, 1.5)
White
3.2
2.8
2.7
(2.5, 3.0)
-0.1
(-0.4, 0.2)
Other
3.8
4.1
2.6
(1.6, 4.3)
-1.4
(-3.6, 0.7)
Disabled, age 25 to 64
5.3
5.4
5.2
(4.3, 6.2)
-0.2
(-1.4, 1.0)
Not disabled, age 25 to 64
2.9
2.5
2.4
(2.2, 2.7)
0.0
(-0.4, 0.3)
Not applicable (not age 25
to 64)
3.6
3.3
3.4
(3.1, 3.7)
0.0
(-0.4, 0.5)
Income was about the same
each month
3.1
2.9
(2.7, 3.1)
-0.1
(-0.4, 0.2)
Income varied somewhat
from month to month
2.8
3.1
(2.7, 3.6)
0.3
(-0.3, 0.9)
Income varied a lot from
month to month
2.5
2.7
(1.9, 3.9)
0.3
(-1.0, 1.6)
Unknown
2.3
2.8
(2.0, 3.8)
0.5
(-0.6, 1.6)
Characteristics
All
Unbanked and
underbanked
Family income
Education
Age group
Race/Ethnicity
Disability status
Monthly income volatility
46
B.7 Telephone Banking as Primary Method Used to Access Bank Accounts by Banking Status and
Household Characteristics, 2013-2017
For all banked households that accessed their account in the past 12 months
2013
(Percent)
2015
(Percent)
2017
(Percent)
90%
Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
Employed
3.0
2.4
2.3
(2.1, 2.6)
-0.1
(-0.4, 0.2)
Unemployed
3.6
1.9
3.6
(2.5, 5.3)
1.8*
(0.1, 3.4)
Not in labor force
3.9
4.0
4.0
(3.6, 4.4)
0.0
(-0.5, 0.5)
Homeowner
3.0
2.9
2.8
(2.6, 3.1)
-0.1
(-0.4, 0.3)
Non-homeowner
4.0
3.1
3.1
(2.8, 3.5)
0.0
(-0.4, 0.5)
Married couple
2.7
2.5
2.4
(2.1, 2.6)
-0.1
(-0.4, 0.2)
Unmarried female-headed
family
4.5
4.2
3.6
(3.0, 4.2)
-0.7
(-1.5, 0.2)
Unmarried male-headed
family
2.6
2.9
3.2
(2.4, 4.1)
0.3
(-0.8, 1.4)
Female individual
4.9
3.9
4.5
(3.9, 5.0)
0.5
(-0.1, 1.2)
Male individual
2.8
2.5
2.5
(2.1, 2.9)
0.0
(-0.6, 0.6)
Other
NA
NA
NA
NA
NA
NA
U.S.-born
3.4
3.1
2.9
(2.7, 3.2)
-0.1
(-0.4, 0.2)
Foreign-born citizen
2.8
2.4
2.9
(2.2, 3.8)
0.5
(-0.5, 1.5)
Foreign-born non-citizen
2.4
2.3
2.8
(2.1, 3.7)
0.6
(-0.5, 1.6)
Spanish is not only language
spoken
3.3
2.9
2.9
(2.7, 3.1)
0.0
(-0.3, 0.3)
Spanish is only language
spoken
3.5
4.5
3.0
(2.1, 4.4)
-1.5
(-3.5, 0.5)
Metropolitan area - principal
city
3.4
2.7
2.9
(2.6, 3.3)
0.2
(-0.3, 0.7)
Metropolitan area - balance
3.0
2.9
2.7
(2.4, 3.0)
-0.2
(-0.6, 0.2)
Not in metropolitan area
3.9
3.5
3.9
(3.3, 4.5)
0.3
(-0.4, 1.1)
Not identified
3.4
3.2
2.8
(2.4, 3.3)
-0.4
(-1.1, 0.2)
Northeast
2.8
2.4
2.9
(2.4, 3.4)
0.5
(-0.1, 1.0)
Midwest
3.1
3.1
2.8
(2.5, 3.3)
-0.3
(-0.8, 0.3)
South
3.9
3.4
3.3
(2.9, 3.6)
-0.1
(-0.6, 0.3)
West
2.9
2.6
2.6
(2.2, 2.9)
0.0
(-0.5, 0.4)
Characteristics
Employment status
Homeownership
Household type
Nativity
Spanish only language
spoken
Metropolitan status
Geographic region
Excludes households with missing information on bank account access methods used. Monthly income volatility is not available in 2013. * indicates differences
that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The
population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
47 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
B.8 Online Banking as Primary Method Used to Access Bank Accounts by Banking Status and Household
Characteristics, 2013-2017
For all banked households that accessed their account in the past 12 months
2013
(Percent)
2015
(Percent)
2017
(Percent)
90%
Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
32.9
36.9
36.0
(35.4, 36.5)
-0.9*
(-1.6, -0.1)
Banked: Underbanked
26.6
27.6
26.8
(25.6, 27.9)
-0.8
(-2.4, 0.7)
Banked: Fully banked
35.1
39.9
38.9
(38.2, 39.5)
-1.0*
(-1.9, -0.1)
Banked: Underbanked status
unknown
23.5
27.6
28.5
(26.1, 30.9)
0.9
(-2.7, 4.4)
Less than $15,000
14.5
18.0
17.2
(15.9, 18.6)
-0.8
(-2.6, 1.1)
$15,000 to $30,000
17.3
20.8
19.4
(18.5, 20.5)
-1.3
(-2.8, 0.1)
$30,000 to $50,000
26.7
29.1
27.7
(26.7, 28.7)
-1.4
(-2.9, 0.0)
Characteristics
All
Unbanked and
underbanked
Family income
$50,000 to $75,000
36.8
39.7
38.0
(36.8, 39.3)
-1.6
(-3.5, 0.2)
At least $75,000
49.4
53.6
50.6
(49.7, 51.6)
-3.0*
(-4.3, -1.6)
No high school diploma
8.8
11.8
10.8
(9.7, 12.1)
-1.0
(-2.8, 0.9)
High school diploma
21.0
24.5
24.7
(23.7, 25.7)
0.2
(-1.2, 1.5)
Some college
32.5
36.8
35.0
(34.1, 36.0)
-1.7*
(-3.0, -0.4)
College degree
48.0
51.5
49.1
(48.2, 50.0)
-2.4*
(-3.8, -1.0)
15 to 24 years
27.8
31.4
26.2
(24.1, 28.4)
-5.2*
(-8.4, -2.0)
25 to 34 years
42.5
42.6
35.7
(34.3, 37.1)
-6.9*
(-8.9, -4.9)
35 to 44 years
41.5
45.8
42.4
(41.0, 43.8)
-3.4*
(-5.3, -1.5)
45 to 54 years
37.7
42.0
42.6
(41.3, 43.9)
0.6
(-1.1, 2.3)
55 to 64 years
31.6
37.3
39.0
(37.8, 40.1)
1.6*
(0.0, 3.3)
65 years or more
17.8
23.8
26.9
(26.1, 27.7)
3.1*
(2.0, 4.3)
Black
21.3
25.1
24.3
(22.5, 26.1)
-0.8
(-3.1, 1.5)
Hispanic
23.0
27.2
25.8
(24.4, 27.2)
-1.5
(-3.8, 0.8)
Asian
40.2
44.4
46.0
(43.5, 48.6)
1.7
(-1.7, 5.1)
White
35.8
40.0
39.2
(38.5, 39.8)
-0.8
(-1.7, 0.0)
Other
29.4
33.8
29.8
(26.0, 33.9)
-4.0
(-9.7, 1.7)
Disabled, age 25 to 64
24.8
25.9
26.5
(25.0, 28.1)
0.6
(-1.6, 2.8)
Not disabled, age 25 to 64
39.7
43.8
41.6
(40.9, 42.3)
-2.2*
(-3.1, -1.2)
Not applicable
(not age 25 to 64)
19.5
25.0
26.8
(26.0, 27.5)
1.7*
(0.6, 2.9)
Income was about the same
each month
37.3
36.6
(36.0, 37.2)
-0.7
(-1.5, 0.2)
Income varied somewhat
from month to month
37.4
35.2
(34.1, 36.4)
-2.1*
(-3.7, -0.5)
Income varied a lot from
month to month
33.7
35.8
(33.2, 38.6)
2.1
(-1.3, 5.5)
Unknown
30.4
29.7
(27.5, 31.9)
-0.7
(-3.7, 2.2)
Education
Age group
Race/Ethnicity
Disability status
Monthly income volatility
48
B.8 Online Banking as Primary Method Used to Access Bank Accounts by Banking Status and Household
Characteristics, 2013-2017
For all banked households that accessed their account in the past 12 months
2013
(Percent)
2015
(Percent)
2017
(Percent)
90%
Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
Employed
38.9
43.3
41.1
(40.4, 41.8)
-2.2*
(-3.1, -1.2)
Unemployed
31.1
35.3
30.2
(27.2, 33.3)
-5.1*
(-9.3, -0.9)
Not in labor force
21.5
25.2
26.9
(26.2, 27.7)
1.7*
(0.6, 2.8)
Homeowner
35.4
39.8
39.7
(39.0, 40.4)
-0.1
(-0.9, 0.8)
Non-homeowner
27.4
31.0
28.5
(27.7, 29.4)
-2.5*
(-3.7, -1.2)
Married couple
39.1
43.4
42.6
(41.7, 43.4)
-0.8
(-1.9, 0.2)
Unmarried female-headed
family
24.9
30.0
28.1
(26.7, 29.6)
-1.8
(-4.0, 0.3)
Unmarried male-headed
family
23.3
28.1
27.3
(25.2, 29.5)
-0.8
(-3.8, 2.2)
Female individual
26.7
30.4
30.4
(29.3, 31.5)
0.0
(-1.6, 1.6)
Male individual
28.4
31.9
30.0
(28.7, 31.3)
-1.9*
(-3.6, -0.1)
Other
NA
NA
NA
NA
NA
NA
U.S.-born
33.6
37.3
36.4
(35.8, 37.1)
-0.9*
(-1.7, -0.1)
Foreign-born citizen
30.0
36.1
35.3
(33.4, 37.4)
-0.8
(-3.7, 2.1)
Foreign-born non-citizen
26.0
30.8
30.5
(28.2, 32.8)
-0.3
(-3.6, 2.9)
Spanish is not only language
spoken
33.2
37.2
36.7
(36.1, 37.3)
-0.6
(-1.3, 0.2)
Spanish is only language
spoken
8.6
13.2
14.0
(12.0, 16.2)
0.8
(-3.1, 4.6)
Metropolitan area
- principal city
32.9
36.9
35.9
(34.9, 37.0)
-1.0
(-2.5, 0.4)
Metropolitan area - balance
37.0
40.8
39.4
(38.6, 40.3)
-1.3*
(-2.5, -0.1)
Not in metropolitan area
23.2
27.4
27.4
(26.0, 28.8)
-0.1
(-1.9, 1.8)
Not identified
31.1
34.0
33.5
(32.0, 35.0)
-0.5
(-2.4, 1.4)
Northeast
29.4
35.3
33.0
(31.7, 34.3)
-2.3*
(-4.2, -0.4)
Midwest
33.1
35.8
36.4
(35.3, 37.6)
0.6
(-0.8, 2.1)
South
31.4
35.5
35.4
(34.4, 36.3)
-0.1
(-1.4, 1.2)
West
37.9
41.3
38.9
(37.8, 40.0)
-2.4*
(-4.1, -0.8)
Characteristics
Employment status
Homeownership
Household type
Nativity
Spanish only language
spoken
Metropolitan status
Geographic region
Excludes households with missing information on bank account access methods used. Monthly income volatility is not available in 2013. * indicates differences
that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The
population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
49 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
B.9 M
obile Banking as Primary Method Used to Access Bank Accounts by Banking Status and
Household Characteristics, 2013-2017
For all banked households that accessed their account in the past 12 months
2013
(Percent)
2015
(Percent)
2017
(Percent)
90%
Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
5.7
9.5
15.6
(15.2, 16.0)
6.1*
(5.6, 6.6)
Banked: Underbanked
9.5
12.6
20.8
(19.8, 21.8)
8.2*
(7.0, 9.5)
Banked: Fully banked
4.7
8.7
14.5
(14.0, 14.9)
5.8*
(5.2, 6.3)
Banked: Underbanked status
unknown
2.7
6.1
9.5
(7.9, 11.4)
3.4*
(0.9, 5.8)
Less than $15,000
4.0
7.1
11.2
(10.1, 12.5)
4.2*
(2.7, 5.6)
$15,000 to $30,000
5.3
8.1
11.7
(10.8, 12.7)
3.6*
(2.4, 4.8)
$30,000 to $50,000
6.3
9.7
16.0
(15.1, 16.9)
6.3*
(5.1, 7.4)
$50,000 to $75,000
6.4
11.3
15.8
(14.9, 16.7)
4.5*
(3.3, 5.7)
At least $75,000
5.7
9.7
17.9
(17.2, 18.6)
8.2*
(7.3, 9.0)
No high school diploma
2.4
4.0
8.2
(7.3, 9.3)
4.2*
(2.9, 5.5)
High school diploma
4.3
7.5
11.6
(10.9, 12.4)
4.1*
(3.2, 5.0)
Some college
7.4
11.6
17.5
(16.7, 18.2)
5.9*
(4.9, 6.8)
College degree
6.2
10.4
18.2
(17.5, 19.0)
7.8*
(6.9, 8.7)
15 to 24 years
20.3
25.0
36.1
(33.7, 38.4)
11.1*
(7.8, 14.3)
25 to 34 years
13.2
21.9
35.0
(33.6, 36.4)
13.1*
(11.2, 15.1)
35 to 44 years
8.9
14.3
22.6
(21.5, 23.9)
8.4*
(6.9, 9.9)
45 to 54 years
3.7
7.6
13.2
(12.4, 14.1)
5.7*
(4.6, 6.7)
55 to 64 years
1.4
3.4
7.0
(6.4, 7.7)
3.7*
(2.9, 4.4)
65 years or more
0.6
1.2
2.7
(2.4, 3.0)
1.4*
(1.0, 1.8)
Black
7.8
11.3
17.7
(16.3, 19.1)
6.4*
(4.6, 8.2)
Hispanic
8.3
12.6
19.3
(17.9, 20.7)
6.7*
(5.0, 8.4)
Asian
5.7
9.0
16.3
(14.6, 18.1)
7.3*
(4.8, 9.8)
White
5.0
8.6
14.5
(14.0, 15.0)
5.8*
(5.2, 6.4)
Other
3.7
12.5
18.5
(15.0, 22.6)
6.0*
(0.8, 11.3)
Disabled, age 25 to 64
2.7
6.6
10.0
(9.0, 11.2)
3.5*
(2.0, 5.0)
Not disabled, age 25 to 64
6.9
11.9
19.8
(19.2, 20.4)
8.0*
(7.2, 8.7)
Not applicable (not age 25
to 64)
3.9
5.2
8.2
(7.8, 8.7)
3.1*
(2.4, 3.7)
Income was about the same
each month
8.7
14.9
(14.4, 15.4)
6.2*
(5.6, 6.8)
Income varied somewhat
from month to month
13.0
19.6
(18.6, 20.7)
6.6*
(5.2, 8.0)
Income varied a lot from
month to month
13.0
19.3
(16.9, 21.9)
6.3*
(3.3, 9.3)
Unknown
5.7
10.0
(8.6, 11.6)
4.3*
(2.4, 6.2)
Characteristics
All
Unbanked and
underbanked
Family income
Education
Age group
Race/Ethnicity
Disability status
Monthly income volatility
50 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
B.9 M
obile Banking as Primary Method Used to Access Bank Accounts by Banking Status and
Household Characteristics, 2013-2017
For all banked households that accessed their account in the past 12 months
2013
(Percent)
2015
(Percent)
2017
(Percent)
90%
Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
Employed
7.5
12.5
20.4
(19.8, 20.9)
7.8*
(7.2, 8.6)
Unemployed
8.3
11.4
21.2
(18.1, 24.7)
9.8*
(5.9, 13.6)
Not in labor force
2.0
3.7
6.3
(5.9, 6.8)
2.6*
(2.0, 3.2)
Homeowner
3.9
7.2
12.3
(11.9, 12.8)
5.1*
(4.6, 5.7)
Non-homeowner
9.6
14.0
22.1
(21.3, 22.9)
8.1*
(7.0, 9.1)
Married couple
4.8
8.5
14.8
(14.2, 15.4)
6.3*
(5.6, 7.0)
Unmarried female-headed
family
7.5
12.4
19.4
(18.1, 20.9)
7.0*
(5.2, 8.8)
Unmarried male-headed
family
8.8
12.6
17.9
(15.8, 20.1)
5.3*
(2.6, 8.0)
Female individual
5.1
7.6
12.9
(12.1, 13.8)
5.3*
(4.3, 6.3)
Male individual
7.0
11.1
17.5
(16.6, 18.6)
6.4*
(5.1, 7.8)
Other
NA
NA
NA
NA
NA
NA
U.S.-born
5.8
9.7
15.7
(15.3, 16.2)
6.0*
(5.5, 6.6)
Foreign-born citizen
4.1
6.9
12.4
(11.1, 13.8)
5.4*
(3.7, 7.2)
Foreign-born non-citizen
6.9
9.9
17.9
(16.1, 19.8)
8.0*
(5.5, 10.4)
Spanish is not only language
spoken
5.8
9.6
15.8
(15.4, 16.2)
6.2*
(5.7, 6.8)
Spanish is only language
spoken
3.5
4.8
9.3
(7.4, 11.5)
4.5*
(1.8, 7.1)
Metropolitan area - principal
city
6.8
11.1
18.1
(17.3, 19.0)
7.1*
(6.0, 8.1)
Metropolitan area - balance
6.0
9.5
15.6
(15.0, 16.3)
6.1*
(5.3, 6.9)
Not in metropolitan area
3.2
6.7
11.2
(10.1, 12.4)
4.5*
(3.2, 5.7)
Not identified
5.5
8.9
14.5
(13.4, 15.6)
5.6*
(4.3, 6.9)
Northeast
3.9
7.4
12.3
(11.4, 13.2)
4.9*
(3.8, 6.0)
Midwest
4.4
9.1
15.3
(14.3, 16.3)
6.2*
(5.0, 7.4)
South
6.7
10.0
15.9
(15.1, 16.6)
5.9*
(5.0, 6.8)
West
6.7
10.7
18.0
(17.1, 19.0)
7.4*
(6.2, 8.5)
Characteristics
Employment status
Homeownership
Household type
Nativity
Spanish only language
spoken
Metropolitan status
Geographic region
Excludes households with missing information on bank account access methods used. Monthly income volatility is not available in 2013. * indicates differences
that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The
population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
51 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
B.10 Use of Bank Teller Only to Access Bank Accounts by Banking Status and Household Characteristics,
2013-2017
For all banked households that accessed their account in the past 12 months
2013
(Percent)
2015
(Percent)
2017
(Percent)
90%
Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
17.5
14.6
12.6
(12.2, 13.0)
-2.0*
(-2.5, -1.6)
Banked: Underbanked
13.8
12.8
10.1
(9.4, 10.8)
-2.7*
(-3.9, -1.6)
Banked: Fully banked
18.3
15.0
13.1
(12.7, 13.5)
-1.9*
(-2.5, -1.3)
Banked: Underbanked status
unknown
25.5
19.3
16.2
(14.2, 18.4)
-3.1
(-6.5, 0.2)
Less than $15,000
33.7
27.4
26.3
(24.7, 27.9)
-1.1
(-3.0, 0.8)
$15,000 to $30,000
28.6
24.7
23.3
(22.2, 24.5)
-1.4
(-2.9, 0.2)
$30,000 to $50,000
19.1
16.8
15.2
(14.3, 16.1)
-1.6*
(-2.9, -0.3)
$50,000 to $75,000
12.6
11.5
10.1
(9.4, 10.8)
-1.5*
(-2.4, -0.6)
At least $75,000
7.6
6.2
4.9
(4.5, 5.3)
-1.3*
(-1.9, -0.7)
No high school diploma
39.3
33.6
30.9
(29.2, 32.7)
-2.7*
(-5.1, -0.3)
High school diploma
24.7
21.9
18.7
(17.9, 19.6)
-3.1*
(-4.3, -2.0)
Some college
14.9
12.1
10.7
(10.1, 11.3)
-1.5*
(-2.3, -0.6)
College degree
8.9
7.0
6.4
(6.0, 6.8)
-0.7*
(-1.3, 0.0)
15 to 24 years
9.6
5.8
5.2
(4.1, 6.7)
-0.5
(-2.2, 1.2)
25 to 34 years
7.0
6.1
3.5
(3.1, 4.0)
-2.6*
(-3.3, -1.8)
35 to 44 years
8.9
7.3
6.4
(5.7, 7.1)
-1.0*
(-1.9, -0.1)
45 to 54 years
12.2
9.6
8.2
(7.5, 8.9)
-1.4*
(-2.4, -0.4)
55 to 64 years
17.8
14.8
11.9
(11.2, 12.6)
-3.0*
(-3.9, -2.0)
65 years or more
36.8
30.6
27.7
(26.8, 28.6)
-2.9*
(-4.2, -1.7)
Black
18.7
15.5
12.6
(11.6, 13.8)
-2.9*
(-4.4, -1.3)
Hispanic
19.8
16.0
13.3
(12.2, 14.5)
-2.7*
(-4.4, -1.0)
Asian
16.5
12.7
11.0
(9.4, 13.0)
-1.6
(-4.1, 0.9)
White
17.0
14.4
12.6
(12.2, 13.1)
-1.8*
(-2.3, -1.2)
Other
16.6
13.6
10.2
(8.0, 12.9)
-3.4
(-7.1, 0.3)
Disabled, age 25 to 64
19.5
17.9
16.1
(14.7, 17.7)
-1.8
(-3.8, 0.3)
Not disabled, age 25 to 64
10.8
8.6
6.6
(6.3, 7.0)
-2.0*
(-2.5, -1.5)
Not applicable (not age 25
to 64)
32.2
26.5
23.9
(23.1, 24.8)
-2.6*
(-3.7, -1.4)
Income was about the same
each month
15.6
13.4
(12.9, 13.8)
-2.2*
(-2.8, -1.7)
Income varied somewhat
from month to month
10.2
8.3
(7.6, 9.2)
-1.8*
(-3.1, -0.6)
Income varied a lot from
month to month
11.5
10.1
(8.7, 11.8)
-1.4
(-3.5, 0.8)
Unknown
17.5
16.6
(14.9, 18.5)
-0.9
(-3.6, 1.7)
Characteristics
All
Unbanked and
underbanked
Family income
Education
Age group
Race/Ethnicity
Disability status
Monthly income volatility
52
B.10 Use of Bank Teller Only to Access Bank Accounts by Banking Status and Household Characteristics,
2013-2017
For all banked households that accessed their account in the past 12 months
2013
(Percent)
2015
(Percent)
2017
(Percent)
90%
Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
Employed
10.9
8.7
7.0
(6.7, 7.4)
-1.6*
(-2.0, -1.2)
Unemployed
12.8
8.7
9.3
(7.4, 11.6)
0.6
(-2.4, 3.6)
Not in labor force
30.5
26.0
23.1
(22.2, 24.0)
-2.9*
(-4.0, -1.8)
Homeowner
18.4
15.4
13.2
(12.8, 13.6)
-2.2*
(-2.8, -1.6)
Non-homeowner
15.5
13.1
11.4
(10.7, 12.0)
-1.8*
(-2.6, -0.9)
Married couple
14.5
11.8
10.1
(9.6, 10.6)
-1.7*
(-2.4, -1.1)
Unmarried female-headed
family
15.1
11.6
10.5
(9.5, 11.5)
-1.1
(-2.6, 0.4)
Unmarried male-headed
family
17.3
11.8
12.0
(10.5, 13.6)
0.2
(-2.0, 2.5)
Female individual
25.7
22.5
19.1
(18.1, 20.1)
-3.5*
(-4.9, -2.1)
Male individual
19.5
17.2
14.5
(13.6, 15.5)
-2.7*
(-3.9, -1.5)
Other
NA
NA
NA
NA
NA
NA
U.S.-born
16.8
14.1
12.3
(11.9, 12.7)
-1.8*
(-2.3, -1.3)
Foreign-born citizen
22.2
19.1
14.0
(12.7, 15.5)
-5.1*
(-7.0, -3.1)
Foreign-born non-citizen
21.0
15.6
14.3
(12.6, 16.0)
-1.3
(-3.6, 1.0)
Spanish is not only language
spoken
17.2
14.3
12.1
(11.8, 12.5)
-2.2*
(-2.6, -1.7)
Spanish is only language
spoken
37.2
32.5
26.0
(23.4, 28.8)
-6.5*
(-11.0, -1.9)
Metropolitan area - principal
city
15.7
12.2
9.9
(9.3, 10.6)
-2.3*
(-3.2, -1.4)
Metropolitan area - balance
14.9
12.4
10.9
(10.4, 11.4)
-1.5*
(-2.2, -0.7)
Not in metropolitan area
26.8
23.8
20.9
(19.5, 22.3)
-2.9*
(-4.7, -1.2)
Not identified
18.2
17.0
15.3
(14.3, 16.4)
-1.7*
(-3.0, -0.4)
Northeast
17.4
13.8
13.3
(12.4, 14.3)
-0.5
(-1.8, 0.7)
Midwest
19.6
16.9
14.5
(13.7, 15.3)
-2.4*
(-3.5, -1.3)
South
19.4
16.1
12.9
(12.3, 13.5)
-3.2*
(-4.0, -2.3)
West
12.3
10.6
9.7
(9.0, 10.3)
-0.9*
(-1.8, -0.1)
Characteristics
Employment status
Homeownership
Household type
Nativity
Spanish only language
spoken
Metropolitan status
Geographic region
Excludes households with missing information on bank account access methods used. Monthly income volatility is not available in 2013. * indicates differences
that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The
population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
53 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
B.11 N
umber of Bank Branch Visits Among Banked Households by Banking Status and Household
Characteristics, 2017
For all banked households, row percent
Number of
Households
(1000s)
Percent of
Households
1 to 4 times
(Percent)
5 to 9 times
(Percent)
10 or more
times
(Percent)
Visited bank
branch,
frequency
unknown
(Percent)
Did not visit
bank branch
in past 12
months
(Percent)
116,652
100.0
30.8
18.2
35.4
1.6
14.0
Banked: Underbanked
24,112
100.0
32.4
17.4
37.0
0.6
12.6
Banked: Fully banked
88,181
100.0
30.7
18.6
35.5
1.0
14.3
Banked: Underbanked
status unknown
4,359
100.0
24.2
14.8
25.3
21.6
14.1
Less than $15,000
11,356
100.0
28.9
13.5
35.7
1.9
20.0
$15,000 to $30,000
16,702
100.0
29.1
15.6
38.6
2.2
14.5
$30,000 to $50,000
23,456
100.0
30.3
18.0
36.5
1.9
13.3
Characteristics
All
Unbanked and
underbanked
Family income
$50,000 to $75,000
22,727
100.0
30.7
18.6
36.6
1.2
12.8
At least $75,000
42,412
100.0
32.3
20.2
32.9
1.5
13.1
No high school diploma
9,256
100.0
27.1
13.2
39.7
2.3
17.8
High school diploma
28,994
100.0
29.3
15.9
39.3
1.9
13.6
Education
Some college
34,226
100.0
30.1
18.7
36.5
1.6
13.2
College degree
44,175
100.0
33.1
20.3
31.2
1.4
14.0
5,810
100.0
34.7
17.5
30.1
0.9
16.9
Age group
15 to 24 years
25 to 34 years
18,583
100.0
35.6
18.0
26.1
1.3
19.0
35 to 44 years
19,197
100.0
35.2
17.9
28.1
2.1
16.7
45 to 54 years
20,844
100.0
30.9
19.1
35.7
1.5
12.8
55 to 64 years
22,326
100.0
28.7
18.0
40.0
1.5
11.8
65 years or more
29,892
100.0
25.7
18.0
43.5
2.0
10.9
Black
14,503
100.0
35.3
17.7
27.2
1.8
18.0
Hispanic
13,729
100.0
35.3
16.0
29.7
1.8
17.2
Asian
6,289
100.0
34.1
17.3
26.7
2.3
19.6
White
80,391
100.0
29.0
18.7
38.4
1.5
12.2
Other
1,740
100.0
27.0
15.6
43.1
1.1
13.2
Disabled, age 25 to 64
8,975
100.0
30.2
16.1
37.1
1.0
15.6
Not disabled, age 25 to 64
71,975
100.0
32.7
18.5
32.3
1.6
14.8
Not applicable (not age
25 to 64)
35,702
100.0
27.1
17.9
41.3
1.8
11.8
Income was about the
same each month
86,505
100.0
31.4
18.4
34.7
0.8
14.7
Income varied somewhat
from month to month
19,483
100.0
31.0
18.5
38.8
0.7
10.9
Income varied a lot from
month to month
4,321
100.0
25.7
17.0
46.7
1.2
9.3
Unknown
6,343
100.0
24.9
15.1
27.6
16.0
16.4
Race/Ethnicity
Disability status
Monthly income
volatility
54
B.11 N
umber of Bank Branch Visits Among Banked Households by Banking Status and Household
Characteristics, 2017
For all banked households, row percent
Number of
Households
(1000s)
Percent of
Households
1 to 4 times
(Percent)
5 to 9 times
(Percent)
10 or more
times
(Percent)
Visited bank
branch,
frequency
unknown
(Percent)
Did not visit
bank branch
in past 12
months
(Percent)
Employed
73,352
100.0
32.4
18.6
33.3
1.5
14.2
Unemployed
2,688
100.0
29.3
21.1
34.9
2.0
12.8
Not in labor force
40,611
100.0
28.0
17.3
39.3
1.8
13.7
Homeowner
77,695
100.0
29.9
18.9
38.1
1.6
11.5
Non-homeowner
38,957
100.0
32.6
16.7
30.1
1.8
18.9
Married couple
57,714
100.0
30.2
18.9
37.2
1.6
12.1
Unmarried female-headed
family
12,376
100.0
31.7
18.8
32.6
1.0
15.9
Unmarried male-headed
family
5,765
100.0
29.2
18.1
37.3
1.8
13.7
Female individual
21,504
100.0
31.9
16.8
32.6
1.9
16.7
Male individual
19,019
100.0
31.0
17.2
34.9
1.7
15.2
NA
NA
NA
NA
NA
NA
NA
100,388
100.0
30.1
18.5
36.6
1.5
13.3
Characteristics
Employment status
Homeownership
Household type
Other
Nativity
U.S.-born
Foreign-born citizen
9,192
100.0
34.4
17.9
28.1
3.0
16.6
Foreign-born non-citizen
7,072
100.0
35.4
14.1
28.7
2.2
19.6
113,069
100.0
30.7
18.3
35.6
1.6
13.8
3,583
100.0
32.8
14.7
31.8
3.3
17.4
Metropolitan area principal city
33,515
100.0
33.5
17.9
29.8
1.6
17.1
Metropolitan area balance
50,856
100.0
32.8
18.7
32.7
1.7
14.0
Not in metropolitan area
15,635
100.0
22.5
17.9
49.0
1.2
9.5
Not identified
16,645
100.0
26.8
17.4
42.6
1.9
11.4
Northeast
20,668
100.0
29.5
17.8
36.8
2.0
13.9
Midwest
25,352
100.0
27.8
18.3
41.4
1.5
11.0
South
44,000
100.0
32.7
18.1
32.4
1.7
15.1
West
26,632
100.0
31.5
18.5
33.8
1.4
14.8
Spanish only language
spoken
Spanish is not only
language spoken
Spanish is only language
spoken
Metropolitan status
Geographic region
Excludes households with missing information on whether the household visited a bank branch. NA indicates that the sample size is too small to produce a precise
estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of
rounding.
55 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
B.12 Number of Bank Branch Visits Among Banked Households That Visited a Branch by Banking Status
and Household Characteristics, 2017
For all 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)
Visited bank
branch,
frequency
unknown
(Percent)
100,377
100.0
35.8
21.1
41.2
1.9
Banked: Underbanked
21,065
100.0
37.1
19.9
42.3
0.7
Banked: Fully banked
75,567
100.0
35.8
21.6
41.5
1.1
Banked: Underbanked
status unknown
3,745
100.0
28.1
17.2
29.5
25.1
Less than $15,000
9,090
100.0
36.1
16.9
44.6
2.3
$15,000 to $30,000
14,285
100.0
34.0
18.3
45.1
2.6
$30,000 to $50,000
20,332
100.0
35.0
20.8
42.1
2.1
$50,000 to $75,000
19,818
100.0
35.2
21.4
42.0
1.4
At least $75,000
36,852
100.0
37.1
23.3
37.9
1.7
No high school diploma
7,612
100.0
32.9
16.1
48.2
2.8
High school diploma
25,062
100.0
33.9
18.4
45.5
2.3
Some college
29,713
100.0
34.6
21.5
42.1
1.8
College degree
37,989
100.0
38.5
23.6
36.3
1.6
15 to 24 years
4,830
100.0
41.7
21.0
36.2
1.1
25 to 34 years
15,050
100.0
44.0
22.2
32.2
1.5
35 to 44 years
15,990
100.0
42.2
21.5
33.7
2.5
45 to 54 years
18,181
100.0
35.5
21.9
40.9
1.7
55 to 64 years
19,680
100.0
32.5
20.5
45.4
1.6
65 years or more
26,646
100.0
28.8
20.2
48.8
2.2
Black
11,896
100.0
43.1
21.6
33.1
2.2
Hispanic
11,363
100.0
42.6
19.4
35.8
2.2
Asian
5,060
100.0
42.4
21.6
33.2
2.9
White
70,548
100.0
33.1
21.4
43.8
1.8
Other
1,511
100.0
31.1
17.9
49.7
1.3
Disabled, age 25 to 64
7,577
100.0
35.8
19.1
44.0
1.2
Not disabled, age 25 to 64
61,324
100.0
38.3
21.8
38.0
1.9
Not applicable (not age
25 to 64)
31,476
100.0
30.8
20.3
46.8
2.1
73,802
100.0
36.8
21.5
40.7
1.0
Characteristics
All
Unbanked and
underbanked
Family income
Education
Age group
Race/Ethnicity
Disability status
Monthly income
volatility
Income was about the
same each month
56
B.12 Number of Bank Branch Visits Among Banked Households That Visited a Branch by Banking Status
and Household Characteristics, 2017
For all 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)
Visited bank
branch,
frequency
unknown
(Percent)
Income varied somewhat
from month to month
17,356
100.0
34.8
20.8
43.6
0.8
Income varied a lot from
month to month
3,918
100.0
28.3
18.7
51.6
1.4
Unknown
5,302
100.0
29.8
18.0
33.0
19.2
Employed
62,966
100.0
37.8
21.6
38.8
1.8
Unemployed
2,345
100.0
33.6
24.2
40.0
2.3
Not in labor force
35,065
100.0
32.4
20.0
45.5
2.1
Homeowner
68,764
100.0
33.8
21.4
43.1
1.8
Non-homeowner
31,613
100.0
40.1
20.5
37.1
2.2
Married couple
50,746
100.0
34.4
21.5
42.3
1.9
Unmarried female-headed
family
10,403
100.0
37.7
22.4
38.7
1.2
Unmarried male-headed
family
4,977
100.0
33.8
20.9
43.2
2.1
Female individual
17,912
100.0
38.3
20.1
39.2
2.3
Male individual
16,128
100.0
36.6
20.2
41.2
2.0
NA
NA
NA
NA
NA
NA
87,022
100.0
34.8
21.3
42.2
1.7
Characteristics
Employment status
Homeownership
Household type
Other
Nativity
U.S.-born
Foreign-born citizen
7,667
100.0
41.2
21.5
33.7
3.6
Foreign-born non-citizen
5,688
100.0
44.0
17.5
35.7
2.7
Spanish is not only
language spoken
97,417
100.0
35.7
21.2
41.3
1.9
Spanish is only language
spoken
2,960
100.0
39.7
17.8
38.5
4.0
Metropolitan area principal city
27,769
100.0
40.5
21.6
35.9
2.0
Metropolitan area balance
43,712
100.0
38.2
21.7
38.1
2.0
Not in metropolitan area
14,155
100.0
24.9
19.7
54.1
1.3
Not identified
14,742
100.0
30.3
19.6
48.0
2.1
Spanish only language
spoken
Metropolitan status
Geographic region
Northeast
17,789
100.0
34.2
20.6
42.8
2.3
Midwest
22,564
100.0
31.2
20.6
46.5
1.7
South
37,341
100.0
38.5
21.3
38.1
2.0
West
22,683
100.0
37.0
21.7
39.6
1.7
NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater
than zero. Estimates do not always reconcile to totals because of rounding.
57 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
B.13 Number of Bank Branch Visits Among Unbanked Households by Previous Banking Status and
Household Characteristics, 2017
For all unbanked households, row percent
Number of
Households
(1000s)
Percent of
Households
1 to 4 times
(Percent)
5 to 9 times
(Percent)
10 or more
times
(Percent)
Visited bank
branch,
frequency
unknown
(Percent)
Did not visit
bank branch
in past 12
months
(Percent)
7,728
100.0
7.7
2.2
4.7
0.1
85.3
Once had bank account
3,699
100.0
11.6
3.8
6.1
-
78.5
Never had bank account
3,993
100.0
4.0
0.8
3.2
0.2
91.8
NA
NA
NA
NA
NA
NA
NA
Less than $15,000
3,769
100.0
6.6
1.7
3.6
0.2
88.0
$15,000 to $30,000
2,258
100.0
7.1
2.4
5.8
-
84.7
$30,000 to $50,000
1,180
100.0
12.1
2.0
6.1
-
79.8
$50,000 to $75,000
NA
NA
NA
NA
NA
NA
NA
At least $75,000
NA
NA
NA
NA
NA
NA
NA
No high school diploma
2,589
100.0
3.8
2.6
4.2
0.2
89.1
High school diploma
2,891
100.0
6.8
2.3
4.0
-
86.9
Some college
1,756
100.0
13.6
1.5
6.8
0.1
78.0
492
100.0
11.6
2.2
4.1
-
82.1
15 to 24 years
578
100.0
5.9
1.0
9.2
0.3
83.5
25 to 34 years
1,670
100.0
10.0
2.5
3.4
0.1
84.1
35 to 44 years
1,539
100.0
8.2
1.1
4.1
-
86.7
45 to 54 years
1,485
100.0
5.4
4.2
5.4
-
84.9
55 to 64 years
1,357
100.0
8.9
2.0
5.2
-
83.9
65 years or more
1,099
100.0
5.9
1.7
3.7
0.4
88.4
Black
2,827
100.0
8.3
1.7
2.2
-
87.7
Hispanic
2,126
100.0
5.3
2.3
3.7
0.2
88.6
Asian
NA
NA
NA
NA
NA
NA
NA
White
2,403
100.0
9.1
3.0
8.9
0.1
78.9
Other
NA
NA
NA
NA
NA
NA
NA
Disabled, age 25 to 64
1,887
100.0
6.0
2.5
4.7
-
86.8
Not disabled, age 25 to 64
4,164
100.0
9.1
2.4
4.4
-
84.1
Not applicable (not age
25 to 64)
1,677
100.0
5.9
1.4
5.6
0.4
86.7
Income was about the
same each month
5,164
100.0
7.5
2.3
4.9
0.1
85.2
Income varied somewhat
from month to month
1,400
100.0
9.1
1.9
4.1
-
84.9
Characteristics
All
Previously banked
Unknown
Family income
Education
College degree
Age group
Race/Ethnicity
Disability status
Monthly income
volatility
58
B.13 Number of Bank Branch Visits Among Unbanked Households by Previous Banking Status and
Household Characteristics, 2017
For all unbanked households, row percent
Number of
Households
(1000s)
Percent of
Households
1 to 4 times
(Percent)
5 to 9 times
(Percent)
10 or more
times
(Percent)
Visited bank
branch,
frequency
unknown
(Percent)
Did not visit
bank branch
in past 12
months
(Percent)
Income varied a lot from
month to month
642
100.0
9.6
2.2
4.8
0.3
83.1
Unknown
522
100.0
3.3
2.2
4.1
-
90.4
3,303
100.0
10.2
2.8
5.7
0.1
81.2
639
100.0
9.4
3.2
3.6
-
83.8
3,785
100.0
5.2
1.5
4.0
0.1
89.1
Characteristics
Employment status
Employed
Unemployed
Not in labor force
Homeownership
Homeowner
1,687
100.0
6.3
2.7
5.2
-
85.7
Non-homeowner
6,041
100.0
8.1
2.1
4.6
0.1
85.2
Married couple
1,428
100.0
7.6
1.6
4.1
-
86.7
Unmarried female-headed
family
2,196
100.0
10.5
1.2
4.3
-
84.0
631
100.0
5.4
1.5
4.3
-
88.7
Female individual
1,647
100.0
7.7
3.7
3.5
0.1
85.0
Male individual
1,775
100.0
5.0
2.9
7.1
0.3
84.7
NA
NA
NA
NA
NA
NA
NA
5,990
100.0
8.3
2.2
5.3
-
84.2
NA
NA
NA
NA
NA
NA
NA
1,292
100.0
6.2
2.5
3.5
0.3
87.5
Spanish is not only
language spoken
6,643
100.0
8.2
2.4
5.0
0.1
84.4
Spanish is only language
spoken
1,085
100.0
4.6
1.4
3.0
-
91.0
Metropolitan area principal city
3,266
100.0
8.4
2.5
2.9
0.1
86.1
Metropolitan area balance
2,251
100.0
8.3
2.1
5.0
-
84.6
Not in metropolitan area
1,237
100.0
6.4
0.6
8.0
-
85.0
974
100.0
5.6
3.4
6.3
0.3
84.4
Northeast
1,196
100.0
5.4
3.1
5.5
0.2
85.9
Midwest
1,404
100.0
13.0
2.0
5.4
-
79.6
South
3,515
100.0
6.9
1.2
4.6
-
87.3
West
1,614
100.0
6.4
4.0
3.7
0.3
85.5
Household type
Unmarried male-headed
family
Other
Nativity
U.S.-born
Foreign-born citizen
Foreign-born non-citizen
Spanish only language
spoken
Metropolitan status
Not identified
Geographic region
Excludes households with missing information on whether the household visited a bank branch. NA indicates that the sample size is too small to produce a precise
estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of
rounding.
59 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
B.14 M
obile Activities Among Banked Households by Banking Status and Household Characteristics, 2017
For all banked households, row percent
Number of
Households
(1000s)
Percent of
Households
Checked
email about
an account
(Percent)
Text
message
alert
(Percent)
Checked
balance or
transactions
(Percent)
Bill
payment
(Percent)
Sent money
to others
(Percent)
Transferred
money
between
accounts
(Percent)
Deposited
a check
electronically
(Percent)
120,843
100.0
44.1
34.0
35.4
26.5
13.7
25.4
18.0
Banked:
Underbanked
24,181
100.0
52.8
42.3
42.5
30.7
16.9
29.5
19.7
Banked: Fully
banked
88,464
100.0
44.3
33.9
35.7
27.0
13.7
26.1
18.8
Banked:
Underbanked
status unknown
8,198
100.0
17.2
11.5
11.4
8.1
3.7
5.5
4.2
Less than $15,000
11,882
100.0
26.4
18.5
18.3
11.1
5.8
10.0
6.4
$15,000 to $30,000
17,410
100.0
29.6
20.3
21.2
13.8
6.0
11.6
7.7
$30,000 to $50,000
24,316
100.0
38.8
28.4
30.4
21.6
9.9
19.7
12.9
$50,000 to $75,000
23,418
100.0
46.0
34.7
36.1
27.4
13.0
25.9
17.7
At least $75,000
43,819
100.0
56.7
46.4
48.1
37.9
21.4
37.8
28.3
No high school
diploma
9,668
100.0
25.0
17.5
14.8
10.0
4.4
8.0
5.0
High school
diploma
30,185
100.0
33.6
24.8
25.2
17.8
7.3
15.6
9.2
Some college
35,442
100.0
45.3
34.1
36.5
26.6
12.6
25.6
16.2
College degree
45,548
100.0
54.3
43.6
45.8
35.6
20.7
35.3
28.0
15 to 24 years
5,964
100.0
67.6
45.2
59.2
40.1
22.6
39.3
27.3
25 to 34 years
19,210
100.0
67.6
50.6
60.7
45.0
26.5
44.4
34.4
35 to 44 years
19,862
100.0
59.8
45.2
50.2
38.2
19.3
36.6
26.9
45 to 54 years
21,675
100.0
49.0
39.4
39.6
30.3
14.6
28.8
19.2
55 to 64 years
23,032
100.0
37.0
30.5
25.6
19.1
9.4
18.0
11.6
65 years or more
31,101
100.0
17.0
13.4
10.2
7.7
3.1
6.9
4.4
Black
15,131
100.0
46.3
38.9
35.0
25.3
15.4
24.1
14.8
Hispanic
14,327
100.0
49.6
39.8
37.0
29.5
15.1
25.0
16.2
Asian
6,621
100.0
53.5
44.4
41.7
33.4
21.5
28.4
25.3
White
82,995
100.0
42.0
31.3
34.6
25.5
12.5
25.3
18.3
Other
1,770
100.0
45.9
35.3
39.3
29.5
13.5
29.7
16.7
Disabled, age 25
to 64
9,255
100.0
32.3
25.2
24.0
17.1
7.6
15.1
9.8
Not disabled, age
25 to 64
74,523
100.0
55.0
42.9
45.5
34.4
18.2
33.3
24.0
Not applicable (not
age 25 to 64)
37,065
100.0
25.2
18.5
18.1
12.9
6.2
12.1
8.1
Characteristics
All
Unbanked and
underbanked
Family income
Education
Age group
Race/Ethnicity
Disability status
60
B.14 M
obile Activities Among Banked Households by Banking Status and Household Characteristics, 2017
For all banked households, row percent
Number of
Households
(1000s)
Percent of
Households
Checked
email about
an account
(Percent)
Text
message
alert
(Percent)
Checked
balance or
transactions
(Percent)
Bill
payment
(Percent)
Sent money
to others
(Percent)
Transferred
money
between
accounts
(Percent)
Deposited
a check
electronically
(Percent)
Income was about
the same each
month
86,931
100.0
44.3
34.0
35.5
26.8
13.9
25.5
18.1
Income varied
somewhat from
month to month
19,543
100.0
53.8
42.1
44.9
32.8
16.5
32.3
22.7
Income varied a
lot from month to
month
4,335
100.0
51.9
41.3
43.6
30.0
18.3
32.4
24.9
Unknown
10,034
100.0
20.6
15.1
13.2
10.0
4.5
7.6
5.2
Employed
75,863
100.0
54.9
42.6
45.7
34.3
18.0
33.3
23.7
Unemployed
2,750
100.0
49.2
40.1
40.3
28.8
16.3
28.5
21.3
Not in labor force
42,230
100.0
24.4
18.2
16.6
12.2
5.8
10.9
7.6
Homeowner
80,380
100.0
41.5
32.0
32.9
25.3
12.4
24.4
17.2
Non-homeowner
40,463
100.0
49.4
38.0
40.5
28.8
16.3
27.2
19.7
Married couple
59,588
100.0
47.6
37.2
38.5
29.4
14.9
28.8
20.5
Unmarried femaleheaded family
12,836
100.0
49.0
37.3
39.6
28.2
13.6
25.6
17.1
Unmarried maleheaded family
5,948
100.0
50.3
37.3
37.9
27.8
15.3
24.1
16.6
Female individual
22,420
100.0
32.0
23.9
25.8
19.1
10.1
18.2
13.0
Male individual
19,778
100.0
42.1
32.5
33.4
24.1
13.2
23.0
16.8
NA
NA
NA
NA
NA
NA
NA
NA
NA
Characteristics
Monthly income
volatility
Employment
status
Homeownership
Household type
Other
Nativity
U.S.-born
103,737
100.0
43.4
33.2
35.6
26.4
13.4
25.7
18.1
Foreign-born
citizen
9,653
100.0
45.9
37.6
32.8
25.0
13.9
22.2
16.5
Foreign-born noncitizen
7,453
100.0
51.4
41.3
36.2
28.7
17.7
24.3
18.2
117,104
100.0
44.3
34.2
35.9
26.8
13.9
25.8
18.3
3,739
100.0
37.5
27.7
19.6
15.0
7.4
11.5
7.4
Metropolitan area principal city
34,890
100.0
49.6
40.0
39.5
29.9
18.1
29.1
21.8
Metropolitan area balance
52,797
100.0
45.9
36.3
36.7
28.3
14.2
26.5
19.4
Not in metropolitan
area
16,066
100.0
31.5
20.5
25.3
16.7
6.1
16.0
8.6
Not identified
17,090
100.0
39.5
27.6
32.8
22.9
10.4
23.1
14.9
Spanish only
language spoken
Spanish is not only
language spoken
Spanish is only
language spoken
Metropolitan
status
61 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
B.14 M
obile Activities Among Banked Households by Banking Status and Household Characteristics, 2017
For all banked households, row percent
Number of
Households
(1000s)
Percent of
Households
Checked
email about
an account
(Percent)
Text
message
alert
(Percent)
Checked
balance or
transactions
(Percent)
Bill
payment
(Percent)
Sent money
to others
(Percent)
Transferred
money
between
accounts
(Percent)
Deposited
a check
electronically
(Percent)
Northeast
21,419
100.0
41.0
30.4
31.7
24.5
12.3
22.5
17.7
Midwest
26,220
100.0
40.9
29.9
34.8
24.8
11.7
24.3
16.2
South
45,547
100.0
44.8
34.8
34.7
25.6
13.2
24.5
17.0
West
27,658
100.0
48.4
39.5
40.0
31.1
17.5
30.0
21.6
Characteristics
Geographic
region
NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than
zero. Estimates do not always reconcile to totals because of rounding.
62
B.15 M
obile Phone Access by Banking Status and Household Characteristics, 2013-2017
For all households
2013
(Percent)
2015
(Percent)
2017
(Percent)
90%
Confidence
Interval, 2017
Difference
(2017-2015)
90%
Confidence
Interval,
Difference
82.7
84.2
84.5
(84.1, 84.9)
0.3
(-0.2, 0.9)
Unbanked
68.1
69.0
70.5
(68.2, 72.7)
1.5
(-1.5, 4.4)
Banked: Underbanked
90.5
91.4
92.8
(92.1, 93.4)
1.4*
(0.4, 2.3)
Banked: Fully banked
86.8
88.6
90.0
(89.6, 90.4)
1.4*
(0.8, 2.0)
Banked: Underbanked status
unknown
22.0
16.7
15.1
(13.4, 16.9)
-1.6
(-3.9, 0.7)
Less than $15,000
69.2
72.3
72.2
(70.8, 73.6)
-0.1
(-2.1, 1.9)
$15,000 to $30,000
74.4
77.7
77.8
(76.6, 79.0)
0.1
(-1.4, 1.6)
$30,000 to $50,000
82.3
84.7
84.1
(83.2, 85.0)
-0.5
(-1.6, 0.6)
$50,000 to $75,000
88.3
87.3
88.0
(87.3, 88.7)
0.7
(-0.5, 1.9)
At least $75,000
91.6
90.9
90.3
(89.7, 90.9)
-0.6
(-1.5, 0.3)
No high school diploma
67.0
71.1
72.1
(70.6, 73.6)
1.1
(-1.1, 3.3)
High school diploma
78.2
80.8
81.4
(80.6, 82.3)
0.6
(-0.5, 1.8)
Some college
85.4
86.3
86.0
(85.2, 86.7)
-0.3
(-1.3, 0.7)
College degree
89.5
89.1
88.9
(88.3, 89.4)
-0.3
(-1.1, 0.6)
15 to 24 years
88.9
88.2
90.9
(89.5, 92.1)
2.7*
(0.5, 4.9)
25 to 34 years
89.9
89.8
89.8
(88.8, 90.7)
0.0
(-1.2, 1.2)
35 to 44 years
89.1
87.9
88.5
(87.7, 89.3)
0.6
(-0.7, 1.8)
45 to 54 years
86.6
87.6
87.8
(86.9, 88.5)
0.2
(-0.9, 1.3)
55 to 64 years
83.5
84.8
85.5
(84.6, 86.4)
0.7
(-0.5, 1.8)
65 years or more
67.3
73.6
74.0
(73.1, 74.9)
0.4
(-0.8, 1.7)
Black
79.1
80.7
82.2
(80.9, 83.4)
1.5
(-0.3, 3.3)
Hispanic
80.0
81.3
82.9
(81.6, 84.1)
1.6
(0.0, 3.3)
Asian
86.4
84.7
82.6
(80.9, 84.2)
-2.1
(-4.7, 0.5)
White
83.7
85.3
85.4
(85.0, 85.9)
0.1
(-0.5, 0.8)
Other
81.1
88.7
85.6
(82.7, 88.0)
-3.1
(-6.7, 0.4)
Disabled, age 25 to 64
78.2
79.8
81.2
(79.8, 82.5)
1.3
(-0.6, 3.3)
Not disabled, age 25 to 64
88.4
88.6
88.8
(88.2, 89.2)
0.2
(-0.5, 0.9)
Not applicable (not age 25
to 64)
71.2
76.2
76.9
(76.1, 77.6)
0.7
(-0.4, 1.8)
Income was about the same
each month
89.0
91.0
(90.6, 91.4)
2.0*
(1.5, 2.6)
Income varied somewhat
from month to month
93.7
95.8
(95.2, 96.3)
2.1*
(1.3, 3.0)
Income varied a lot from
month to month
93.3
94.6
(93.3, 95.7)
1.3
(-0.4, 3.1)
Unknown
10.1
5.1
(4.4, 6.0)
-4.9*
(-6.3, -3.6)
Characteristics
All
Unbanked and
underbanked
Family income
Education
Age group
Race/Ethnicity
Disability status
Monthly income volatility
63 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
B.15 M
obile Phone Access by Banking Status and Household Characteristics, 2013-2017
For all households
2013
(Percent)
2015
(Percent)
2017
(Percent)
90%
Confidence
Interval, 2017
Difference
(2017-2015)
90%
Confidence
Interval,
Difference
Employed
89.0
89.1
89.4
(88.9, 89.9)
0.3
(-0.4, 1.0)
Unemployed
85.0
87.6
84.1
(81.8, 86.2)
-3.5*
(-6.2, -0.8)
Not in labor force
71.2
75.4
76.2
(75.4, 76.9)
0.8
(-0.2, 1.8)
Homeowner
83.5
85.2
85.4
(84.9, 85.9)
0.2
(-0.5, 0.9)
Non-homeowner
81.2
82.3
82.9
(82.1, 83.7)
0.6
(-0.4, 1.7)
Married couple
86.8
87.8
87.4
(86.8, 88.0)
-0.4
(-1.2, 0.4)
Unmarried female-headed
family
84.2
84.9
86.0
(84.9, 87.0)
1.1
(-0.5, 2.6)
Unmarried male-headed
family
84.3
85.4
88.4
(86.7, 89.8)
3.0*
(0.7, 5.2)
Female individual
73.2
76.7
77.6
(76.7, 78.6)
1.0
(-0.4, 2.3)
Male individual
79.5
81.4
81.9
(80.9, 82.9)
0.5
(-0.9, 1.8)
Other
NA
NA
NA
NA
NA
NA
U.S.-born
83.1
84.7
85.1
(84.6, 85.5)
0.4
(-0.2, 1.1)
Foreign-born citizen
80.8
81.9
80.1
(78.4, 81.6)
-1.8
(-3.9, 0.3)
Foreign-born non-citizen
79.2
80.6
82.4
(80.8, 83.9)
1.8
(-0.5, 4.0)
Spanish is not only language
spoken
83.0
84.4
84.9
(84.4, 85.3)
0.5
(-0.1, 1.0)
Spanish is only language
spoken
70.2
73.1
75.3
(72.5, 77.9)
2.2
(-2.0, 6.4)
Metropolitan area - principal
city
82.3
83.9
84.0
(83.2, 84.7)
0.1
(-1.0, 1.2)
Metropolitan area - balance
84.6
85.0
85.1
(84.5, 85.6)
0.0
(-0.8, 0.9)
Not in metropolitan area
78.2
82.2
82.9
(81.6, 84.2)
0.8
(-0.7, 2.2)
Not identified
82.8
84.2
85.4
(84.2, 86.6)
1.3
(-0.3, 2.9)
Northeast
81.4
81.6
82.8
(81.8, 83.9)
1.2
(-0.1, 2.6)
Midwest
82.7
85.0
86.2
(85.3, 87.0)
1.2*
(0.1, 2.3)
South
82.9
84.7
84.9
(84.2, 85.6)
0.1
(-0.8, 1.1)
West
83.4
84.4
83.6
(82.6, 84.5)
-0.9
(-2.1, 0.4)
Characteristics
Employment status
Homeownership
Household type
Nativity
Spanish only language
spoken
Metropolitan status
Geographic region
Monthly income volatility is not available in 2013. * indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is
too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always
reconcile to totals because of rounding.
64
B.16 Smartphone Access by Banking Status and Household Characteristics, 2013-2017
For all households
Characteristics
All
2013
(Percent)
2015
(Percent)
2017
(Percent)
90%
Confidence
Interval, 2017
Difference
(2017-2015)
90%
Confidence
Interval,
Difference
55.7
67.1
72.7
(72.1, 73.2)
5.6*
(4.9, 6.2)
Unbanked and
underbanked
Unbanked
33.1
42.9
49.5
(47.2, 51.8)
6.6*
(3.7, 9.4)
Banked: Underbanked
64.5
75.5
83.2
(82.3, 84.0)
7.7*
(6.4, 9.0)
Banked: Fully banked
59.0
71.1
77.6
(77.0, 78.2)
6.5*
(5.8, 7.3)
Banked: Underbanked status
unknown
13.6
13.3
12.0
(10.6, 13.5)
-1.4
(-3.4, 0.7)
Less than $15,000
31.3
43.9
49.5
(47.9, 51.1)
5.6*
(3.5, 7.8)
$15,000 to $30,000
37.9
50.6
56.9
(55.5, 58.3)
6.3*
(4.5, 8.2)
$30,000 to $50,000
51.0
64.6
69.2
(68.1, 70.3)
4.6*
(3.1, 6.1)
$50,000 to $75,000
63.4
73.9
79.2
(78.3, 80.1)
5.3*
(3.9, 6.6)
At least $75,000
77.7
84.1
86.6
(85.9, 87.3)
2.5*
(1.6, 3.5)
No high school diploma
30.1
41.4
48.3
(46.6, 50.0)
6.9*
(4.5, 9.4)
High school diploma
44.2
57.6
64.6
(63.7, 65.6)
7.0*
(5.6, 8.4)
Some college
59.4
70.5
75.6
(74.7, 76.4)
5.1*
(3.9, 6.3)
College degree
70.8
79.7
82.6
(82.0, 83.3)
2.9*
(1.9, 3.9)
15 to 24 years
76.2
82.5
86.8
(85.0, 88.5)
4.4*
(1.7, 7.0)
25 to 34 years
76.5
84.0
86.9
(85.9, 87.9)
2.9*
(1.5, 4.2)
Family income
Education
Age group
35 to 44 years
72.1
80.9
83.4
(82.5, 84.3)
2.5*
(1.1, 4.0)
45 to 54 years
62.8
75.4
81.3
(80.2, 82.3)
5.9*
(4.4, 7.3)
55 to 64 years
48.7
63.9
72.1
(70.9, 73.2)
8.1*
(6.6, 9.7)
65 years or more
23.2
38.2
47.6
(46.6, 48.6)
9.4*
(8.1, 10.7)
Black
52.3
63.5
70.2
(68.7, 71.6)
6.7*
(4.6, 8.7)
Hispanic
55.7
66.3
72.7
(71.3, 74.0)
6.4*
(4.5, 8.2)
Asian
68.0
75.4
77.0
(75.1, 78.7)
1.6
(-1.1, 4.3)
White
55.6
67.3
72.8
(72.3, 73.4)
5.5*
(4.8, 6.3)
Other
50.0
69.3
72.0
(68.3, 75.3)
2.7
(-2.5, 8.0)
Disabled, age 25 to 64
39.4
54.3
61.9
(60.3, 63.6)
7.6*
(5.2, 10.0)
Not disabled, age 25 to 64
68.1
78.8
83.3
(82.7, 83.8)
4.5*
(3.7, 5.2)
Not applicable (not age 25
to 64)
32.8
46.2
54.3
(53.4, 55.1)
8.1*
(6.9, 9.3)
Income was about the same
each month
69.2
76.9
(76.4, 77.4)
7.7*
(7.0, 8.4)
Income varied somewhat
from month to month
81.7
88.0
(87.2, 88.8)
6.3*
(5.0, 7.5)
Income varied a lot from
month to month
77.6
84.6
(82.6, 86.4)
6.9*
(4.4, 9.5)
Unknown
7.2
3.7
(3.1, 4.4)
-3.5*
(-4.7, -2.2)
Race/Ethnicity
Disability status
Monthly income volatility
65 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
B.16 Smartphone Access by Banking Status and Household Characteristics, 2013-2017
For all households
2013
(Percent)
2015
(Percent)
2017
(Percent)
90%
Confidence
Interval, 2017
Difference
(2017-2015)
90%
Confidence
Interval,
Difference
Employed
69.1
79.6
83.9
(83.3, 84.4)
4.3*
(3.5, 5.1)
Unemployed
57.3
70.5
75.9
(73.0, 78.5)
5.4*
(1.6, 9.1)
Not in labor force
31.8
45.4
53.2
(52.4, 54.0)
7.8*
(6.6, 8.9)
Homeowner
55.4
67.8
73.2
(72.6, 73.8)
5.4*
(4.7, 6.2)
Non-homeowner
56.3
65.9
71.7
(70.7, 72.6)
5.8*
(4.5, 7.0)
Married couple
62.6
74.0
78.4
(77.8, 79.1)
4.4*
(3.5, 5.3)
Unmarried female-headed
family
58.5
71.2
76.9
(75.7, 78.0)
5.7*
(3.9, 7.5)
Unmarried male-headed
family
61.0
73.1
79.1
(77.1, 81.0)
6.0*
(3.4, 8.6)
Female individual
39.1
50.8
59.0
(58.0, 60.1)
8.2*
(6.6, 9.8)
Male individual
50.0
61.0
66.8
(65.6, 68.0)
5.8*
(4.1, 7.5)
Other
NA
NA
NA
NA
NA
NA
U.S.-born
55.6
67.2
72.8
(72.3, 73.3)
5.5*
(4.8, 6.3)
Foreign-born citizen
57.5
65.9
70.5
(68.7, 72.3)
4.6*
(2.1, 7.2)
Foreign-born non-citizen
54.4
66.5
73.6
(71.9, 75.2)
7.1*
(4.5, 9.6)
Spanish is not only language
spoken
56.1
67.5
73.1
(72.6, 73.6)
5.6*
(4.9, 6.3)
Spanish is only language
spoken
36.2
46.9
60.4
(57.6, 63.2)
13.6*
(8.8, 18.3)
Metropolitan area - principal
city
58.8
69.1
74.3
(73.4, 75.2)
5.2*
(4.0, 6.5)
Metropolitan area - balance
59.8
70.3
74.7
(74.0, 75.4)
4.4*
(3.4, 5.4)
Not in metropolitan area
42.0
56.7
63.3
(62.0, 64.7)
6.6*
(5.0, 8.3)
Not identified
52.8
63.6
71.7
(70.1, 73.3)
8.1*
(6.1, 10.1)
Northeast
54.6
64.0
71.3
(70.1, 72.6)
7.3*
(5.5, 9.1)
Midwest
52.1
66.5
73.2
(72.2, 74.2)
6.7*
(5.3, 8.1)
South
56.2
67.1
72.4
(71.6, 73.3)
5.4*
(4.3, 6.4)
West
59.2
70.0
73.5
(72.4, 74.5)
3.5*
(2.0, 4.9)
Characteristics
Employment status
Homeownership
Household type
Nativity
Spanish only language
spoken
Metropolitan status
Geographic region
Monthly income volatility is not available in 2013. * indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is too
small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile
to totals because of rounding.
66
B.17 Internet Access at Home by Banking Status and Household Characteristics, 2015-2017
For all households
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
72.0
72.6
(72.0, 73.1)
0.6
(-0.2, 1.4)
Unbanked
27.7
28.5
(26.5, 30.5)
0.8
(-1.9, 3.6)
Banked: Underbanked
72.8
76.1
(75.0, 77.0)
3.2*
(1.8, 4.6)
Banked: Fully banked
80.6
81.4
(80.8, 82.0)
0.8*
(0.0, 1.6)
Banked: Underbanked status unknown
14.3
12.6
(11.2, 14.3)
-1.6
(-3.8, 0.5)
Less than $15,000
40.3
40.9
(39.5, 42.4)
0.6
(-1.5, 2.8)
$15,000 to $30,000
54.9
54.5
(53.1, 55.9)
-0.4
(-2.4, 1.5)
$30,000 to $50,000
71.3
70.4
(69.3, 71.4)
-0.9
(-2.5, 0.6)
$50,000 to $75,000
82.4
81.2
(80.2, 82.1)
-1.2
(-2.6, 0.2)
At least $75,000
90.0
88.9
(88.2, 89.5)
-1.1*
(-2.0, -0.2)
No high school diploma
37.3
38.5
(36.9, 40.1)
1.2
(-1.3, 3.8)
High school diploma
61.5
62.0
(61.0, 63.0)
0.4
(-0.9, 1.8)
Some college
76.6
76.0
(75.1, 76.8)
-0.6
(-1.8, 0.7)
College degree
87.2
86.7
(86.1, 87.3)
-0.5
(-1.5, 0.5)
15 to 24 years
73.6
77.8
(75.8, 79.8)
4.3*
(1.3, 7.3)
25 to 34 years
76.9
78.2
(77.1, 79.3)
1.3
(-0.3, 2.9)
35 to 44 years
78.1
77.4
(76.3, 78.5)
-0.7
(-2.2, 0.9)
45 to 54 years
76.9
77.7
(76.5, 78.8)
0.7
(-0.8, 2.3)
55 to 64 years
73.6
73.2
(72.1, 74.2)
-0.4
(-1.9, 1.0)
65 years or more
58.8
60.6
(59.6, 61.6)
1.8*
(0.4, 3.2)
Black
57.5
60.7
(59.1, 62.3)
3.2*
(1.0, 5.4)
Hispanic
61.2
62.9
(61.3, 64.4)
1.6
(-0.4, 3.7)
Asian
79.9
78.5
(76.6, 80.2)
-1.4
(-4.1, 1.3)
White
76.6
76.7
(76.1, 77.2)
0.1
(-0.7, 0.9)
Other
67.6
66.9
(63.1, 70.4)
-0.7
(-5.9, 4.5)
Disabled, age 25 to 64
55.4
56.0
(54.3, 57.8)
0.6
(-1.8, 3.1)
Not disabled, age 25 to 64
79.4
79.4
(78.8, 80.0)
0.1
(-0.7, 0.9)
Not applicable (not age 25 to 64)
61.5
63.5
(62.6, 64.4)
2.1*
(0.8, 3.3)
Income was about the same each
month
76.4
78.2
(77.7, 78.8)
1.8*
(1.0, 2.6)
Income varied somewhat from month
to month
80.5
82.9
(81.8, 83.9)
2.4*
(0.9, 3.9)
Income varied a lot from month to
month
74.5
79.1
(76.6, 81.4)
4.6*
(1.6, 7.6)
Unknown
8.3
4.0
(3.3, 4.8)
-4.3*
(-5.8, -2.9)
Characteristics
All
Unbanked and underbanked
Family income
Education
Age group
Race/Ethnicity
Disability status
Monthly income volatility
67 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
B.17 Internet Access at Home by Banking Status and Household Characteristics, 2015-2017
For all households
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
Employed
79.8
80.1
(79.4, 80.7)
0.2
(-0.6, 1.1)
Unemployed
66.2
68.0
(64.9, 70.9)
1.7
(-2.4, 5.9)
Not in labor force
59.0
60.1
(59.3, 61.0)
1.2
(-0.1, 2.4)
Homeowner
77.7
77.3
(76.7, 77.9)
-0.4
(-1.2, 0.4)
Non-homeowner
62.1
64.3
(63.4, 65.2)
2.2*
(1.0, 3.4)
Married couple
82.5
82.0
(81.3, 82.6)
-0.5
(-1.3, 0.3)
Unmarried female-headed family
66.0
67.6
(66.1, 69.0)
1.6
(-0.4, 3.6)
Unmarried male-headed family
69.6
70.2
(67.8, 72.4)
0.6
(-2.8, 4.0)
Female individual
59.2
60.9
(59.8, 62.1)
1.7*
(0.0, 3.4)
Male individual
62.3
63.6
(62.3, 64.8)
1.2
(-0.5, 3.0)
Other
NA
NA
NA
NA
NA
U.S.-born
73.0
73.6
(73.1, 74.2)
0.6
(-0.2, 1.4)
Foreign-born citizen
71.3
70.5
(68.8, 72.2)
-0.8
(-3.3, 1.7)
Foreign-born non-citizen
60.6
62.1
(60.1, 64.1)
1.5
(-1.2, 4.2)
Spanish is not only language spoken
72.7
73.7
(73.2, 74.2)
1.0*
(0.2, 1.7)
Spanish is only language spoken
39.7
44.6
(41.6, 47.5)
4.9
(-0.1, 9.9)
Metropolitan area - principal city
69.9
72.0
(71.0, 72.9)
2.1*
(0.8, 3.5)
Metropolitan area - balance
76.6
75.9
(75.1, 76.6)
-0.7
(-1.7, 0.3)
Not in metropolitan area
63.6
64.6
(63.1, 66.1)
1.0
(-0.9, 2.8)
Not identified
70.8
71.6
(69.9, 73.1)
0.8
(-1.4, 2.9)
Northeast
73.1
74.4
(73.1, 75.7)
1.3
(-0.2, 2.9)
Midwest
73.0
74.0
(73.0, 75.0)
1.1
(-0.3, 2.5)
South
68.8
69.8
(68.9, 70.7)
1.0
(-0.2, 2.2)
West
75.4
74.4
(73.3, 75.5)
-1.0
(-2.6, 0.6)
Characteristics
Employment status
Homeownership
Household type
Nativity
Spanish only language spoken
Metropolitan status
Geographic region
* indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an
estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
68
C.1 Prepaid Card Use by Banking Status and Household Characteristics, 2013-2017
For all households
Characteristics
All
2013
(Percent)
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
7.9
9.8
9.2
(8.8, 9.5)
-0.6*
(-1.0, -0.2)
Unbanked and
underbanked
Unbanked
22.3
27.1
26.9
(25.2, 28.6)
-0.2
(-2.8, 2.3)
Banked: Underbanked
13.1
15.4
14.5
(13.5, 15.5)
-1.0
(-2.3, 0.4)
Banked: Fully banked
5.3
6.9
6.7
(6.4, 7.0)
-0.2
(-0.6, 0.2)
Banked: Underbanked
status unknown
0.7
2.2
1.9
(1.4, 2.5)
-0.3
(-1.2, 0.5)
Less than $15,000
11.4
14.3
13.0
(12.0, 14.1)
-1.3
(-2.7, 0.0)
$15,000 to $30,000
8.3
10.8
10.4
(9.6, 11.2)
-0.4
(-1.5, 0.7)
$30,000 to $50,000
8.3
8.8
9.1
(8.5, 9.8)
0.3
(-0.7, 1.2)
$50,000 to $75,000
6.4
9.2
7.7
(7.1, 8.4)
-1.5*
(-2.4, -0.5)
At least $75,000
6.5
8.1
8.0
(7.5, 8.5)
0.0
(-0.7, 0.6)
No high school diploma
8.9
11.0
10.3
(9.2, 11.5)
-0.7
(-2.3, 0.9)
High school diploma
8.1
10.3
9.3
(8.8, 9.9)
-1.0*
(-1.8, -0.2)
Some college
8.8
10.8
10.0
(9.4, 10.6)
-0.8
(-1.6, 0.1)
College degree
6.7
8.0
8.0
(7.6, 8.5)
0.0
(-0.6, 0.6)
15 to 24 years
12.7
12.4
15.1
(13.4, 17.0)
2.7*
(0.3, 5.2)
25 to 34 years
10.9
12.6
11.0
(10.1, 11.8)
-1.6*
(-2.8, -0.4)
Family income
Education
Age group
35 to 44 years
10.3
11.4
10.8
(10.0, 11.5)
-0.6
(-1.8, 0.5)
45 to 54 years
9.1
11.0
10.7
(10.0, 11.5)
-0.2
(-1.3, 0.8)
55 to 64 years
6.4
9.3
8.7
(8.0, 9.3)
-0.6
(-1.5, 0.3)
65 years or more
3.0
5.5
4.9
(4.5, 5.4)
-0.6
(-1.3, 0.1)
Race/Ethnicity
Black
11.5
13.9
13.3
(12.3, 14.4)
-0.5
(-2.0, 0.9)
Hispanic
7.8
9.6
7.9
(7.1, 8.8)
-1.7*
(-3.0, -0.4)
Asian
4.4
5.7
7.2
(6.0, 8.7)
1.5
(-0.3, 3.3)
White
7.3
9.1
8.5
(8.1, 8.9)
-0.6*
(-1.0, -0.1)
Other
13.8
17.0
15.9
(12.7, 19.7)
-1.1
(-5.8, 3.6)
Disabled, age 25 to 64
12.4
15.2
15.7
(14.4, 17.0)
0.5
(-1.3, 2.2)
Not disabled, age 25 to 64
8.7
10.4
9.4
(9.1, 9.8)
-0.9*
(-1.5, -0.4)
Not applicable
(not age 25 to 64)
4.7
6.8
6.7
(6.2, 7.2)
-0.1
(-0.8, 0.6)
Income was about the
same each month
9.2
8.9
(8.5, 9.3)
-0.3
(-0.8, 0.2)
Income varied somewhat
from month to month
13.5
12.6
(11.7, 13.4)
-1.0
(-2.1, 0.2)
Income varied a lot from
month to month
15.5
12.8
(11.2, 14.5)
-2.7*
(-4.9, -0.5)
Unknown
3.7
3.2
(2.6, 3.9)
-0.5
(-1.4, 0.4)
Disability status
Monthly income
volatility
69 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
C.1 Prepaid Card Use by Banking Status and Household Characteristics, 2013-2017
For all households
2013
(Percent)
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
Employed
8.4
9.9
9.6
(9.2, 10.0)
-0.3
(-0.9, 0.2)
Unemployed
14.8
18.4
16.9
(14.7, 19.3)
-1.5
(-4.8, 1.8)
Not in labor force
6.2
8.7
7.8
(7.4, 8.3)
-0.9*
(-1.5, -0.2)
Homeowner
5.9
8.0
7.3
(7.0, 7.6)
-0.7*
(-1.1, -0.2)
Non-homeowner
11.6
12.9
12.4
(11.8, 13.0)
-0.5
(-1.4, 0.4)
Married couple
7.1
8.9
8.1
(7.7, 8.5)
-0.8*
(-1.4, -0.3)
Unmarried female-headed
family
13.1
15.4
15.9
(14.7, 17.1)
0.5
(-1.2, 2.2)
Unmarried male-headed
family
10.2
13.0
11.9
(10.5, 13.4)
-1.1
(-3.4, 1.2)
Female individual
6.3
7.6
7.3
(6.8, 7.9)
-0.3
(-1.2, 0.6)
Male individual
7.2
9.4
8.7
(8.0, 9.5)
-0.6
(-1.7, 0.4)
Other
NA
NA
NA
NA
NA
NA
U.S.-born
8.3
10.1
9.6
(9.3, 10.0)
-0.5*
(-1.0, 0.0)
Foreign-born citizen
4.0
6.3
6.2
(5.2, 7.4)
-0.1
(-1.7, 1.5)
Foreign-born non-citizen
6.8
9.0
6.7
(5.7, 7.8)
-2.3*
(-3.7, -0.9)
Spanish is not only
language spoken
7.9
9.8
9.3
(9.0, 9.6)
-0.5*
(-0.9, -0.1)
Spanish is only language
spoken
6.8
8.5
5.7
(4.4, 7.3)
-2.8*
(-5.6, -0.1)
Metropolitan area principal city
8.2
10.0
9.4
(8.8, 10.0)
-0.6
(-1.6, 0.3)
Metropolitan area - balance
7.2
9.1
8.3
(7.9, 8.7)
-0.8*
(-1.4, -0.3)
Not in metropolitan area
8.8
11.1
10.3
(9.5, 11.2)
-0.8
(-2.1, 0.5)
Not identified
8.2
9.7
10.1
(9.3, 11.1)
0.4
(-0.7, 1.5)
Northeast
6.6
8.4
7.9
(7.2, 8.6)
-0.6
(-1.6, 0.4)
Midwest
8.9
10.2
10.0
(9.3, 10.7)
-0.2
(-1.1, 0.8)
South
8.4
10.7
9.5
(9.1, 10.0)
-1.2*
(-1.9, -0.5)
West
7.1
8.8
8.7
(8.1, 9.4)
-0.1
(-0.9, 0.8)
Characteristics
Employment status
Homeownership
Household type
Nativity
Spanish only language
spoken
Metropolitan status
Geographic region
Monthly income volatility is not available in 2013. * indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is too
small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile
to totals because of rounding.
70
C.2 Prepaid
Card Use Among Unbanked Households by Previous Banking Status and Household
Characteristics, 2013-2017
For all unbanked households
2013
(Percent)
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
22.3
27.1
26.9
(25.2, 28.6)
-0.2
(-2.8, 2.3)
Once had bank account
33.0
37.4
36.7
(33.9, 39.5)
-0.7
(-4.7, 3.2)
Never had bank account
13.4
18.7
19.3
(17.2, 21.5)
0.6
(-2.7, 3.8)
Unknown
NA
NA
NA
NA
NA
NA
Less than $15,000
20.9
28.5
25.3
(23.0, 27.8)
-3.2
(-6.5, 0.2)
$15,000 to $30,000
23.3
24.2
27.5
(24.4, 30.8)
3.3
(-1.2, 7.8)
$30,000 to $50,000
28.3
26.8
31.8
(27.1, 36.9)
5.0
(-2.0, 11.9)
$50,000 to $75,000
19.8
NA
NA
NA
NA
NA
At least $75,000
NA
NA
NA
NA
NA
NA
No high school diploma
18.4
21.4
20.5
(17.5, 23.8)
-0.9
(-5.1, 3.3)
High school diploma
22.4
30.7
27.3
(24.6, 30.3)
-3.3
(-7.3, 0.6)
Some college
30.0
30.8
37.3
(33.3, 41.6)
6.6*
(0.7, 12.5)
College degree
17.3
25.4
20.4
(14.2, 28.4)
-5.0
(-15.5, 5.4)
15 to 24 years
21.1
35.7
26.0
(19.1, 34.4)
-9.7
(-19.8, 0.5)
25 to 34 years
25.7
33.0
33.4
(28.8, 38.2)
0.4
(-5.7, 6.5)
35 to 44 years
24.9
27.3
29.4
(26.0, 33.1)
2.1
(-2.9, 7.1)
45 to 54 years
25.0
25.9
28.8
(24.7, 33.3)
2.9
(-2.4, 8.2)
55 to 64 years
18.7
22.7
24.9
(20.8, 29.5)
2.2
(-4.2, 8.5)
65 years or more
8.9
13.4
14.6
(11.1, 19.0)
1.2
(-4.0, 6.4)
Black
25.1
30.9
32.2
(29.2, 35.3)
1.3
(-3.3, 5.9)
Hispanic
12.2
16.3
13.8
(11.4, 16.5)
-2.5
(-6.8, 1.8)
Asian
NA
NA
NA
NA
NA
NA
White
28.2
32.7
33.2
(30.1, 36.5)
0.5
(-3.7, 4.7)
Other
28.8
NA
30.3
(22.0, 40.1)
NA
NA
Disabled, age 25 to 64
27.9
30.4
31.4
(27.7, 35.4)
1.0
(-4.5, 6.6)
Not disabled, age 25 to 64
22.8
26.9
28.4
(25.9, 30.9)
1.5
(-2.1, 5.1)
Not applicable (not age 25
to 64)
15.0
24.0
18.5
(15.1, 22.5)
-5.5*
(-10.7, -0.4)
Income was about the
same each month
30.0
29.1
(26.8, 31.4)
-1.0
(-4.3, 2.3)
Income varied somewhat
from month to month
31.1
34.5
(30.2, 39.2)
3.4
(-2.7, 9.5)
Income varied a lot from
month to month
31.7
25.7
(19.8, 32.6)
-6.0
(-14.0, 2.0)
Unknown
5.2
8.4
(5.7, 12.1)
3.2
(-0.5, 6.9)
Characteristics
All
Previously banked
Family income
Education
Age group
Race/Ethnicity
Disability status
Monthly income
volatility
71 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
C.2 Prepaid
Card Use Among Unbanked Households by Previous Banking Status and Household
Characteristics, 2013-2017
For all unbanked households
2013
(Percent)
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
Employed
23.2
29.0
30.3
(27.5, 33.4)
1.4
(-2.4, 5.2)
Unemployed
27.5
35.5
30.6
(24.7, 37.2)
-5.0
(-13.3, 3.3)
Not in labor force
19.8
23.6
23.3
(20.8, 26.0)
-0.3
(-3.8, 3.2)
Homeowner
16.1
21.2
21.5
(18.4, 24.9)
0.3
(-4.0, 4.7)
Non-homeowner
24.0
28.6
28.4
(26.3, 30.6)
-0.3
(-3.3, 2.8)
Married couple
20.6
25.7
19.5
(16.1, 23.4)
-6.2*
(-11.0, -1.4)
Unmarried female-headed
family
28.4
33.3
38.1
(34.2, 42.1)
4.8
(-0.3, 10.0)
Unmarried male-headed
family
18.7
28.7
27.3
(21.4, 34.1)
-1.4
(-10.8, 8.0)
Female individual
20.2
22.5
21.1
(17.7, 24.9)
-1.4
(-7.0, 4.1)
Male individual
18.7
23.8
25.2
(21.5, 29.4)
1.5
(-3.5, 6.4)
Other
NA
NA
NA
NA
NA
NA
U.S.-born
26.6
31.7
31.9
(29.9, 33.9)
0.2
(-2.8, 3.3)
Foreign-born citizen
6.0
NA
NA
NA
NA
NA
Foreign-born non-citizen
9.1
14.2
10.0
(7.5, 13.2)
-4.2
(-8.5, 0.0)
Spanish is not only
language spoken
23.8
29.0
29.6
(27.8, 31.5)
0.6
(-2.0, 3.2)
Spanish is only language
spoken
8.0
9.8
10.4
(7.4, 14.5)
0.6
(-5.0, 6.2)
Metropolitan area principal city
21.3
26.0
24.9
(22.1, 27.9)
-1.1
(-5.5, 3.2)
Metropolitan area - balance
22.5
26.2
23.7
(20.8, 26.8)
-2.5
(-6.6, 1.6)
Not in metropolitan area
22.3
29.5
33.5
(29.4, 37.9)
4.0
(-2.1, 10.1)
Not identified
25.0
30.4
33.3
(28.3, 38.8)
2.9
(-4.6, 10.5)
Northeast
19.3
25.6
22.4
(18.3, 27.1)
-3.2
(-9.5, 3.0)
Midwest
26.7
32.5
34.4
(29.7, 39.4)
1.9
(-4.8, 8.5)
South
23.6
28.4
27.6
(25.2, 30.3)
-0.8
(-4.5, 2.8)
West
17.9
20.0
22.2
(19.0, 25.8)
2.2
(-3.0, 7.5)
Characteristics
Employment status
Homeownership
Household type
Nativity
Spanish only language
spoken
Metropolitan status
Geographic region
Monthly income volatility is not available in 2013. * indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is
too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always
reconcile to totals because of rounding.
72
C.3 Prepaid
Card Use by State, 2013-2017
For all households
2013
(Percent)
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
7.9
9.8
9.2
(8.8, 9.5)
-0.6*
(-1.0, -0.2)
AL
6.8
11.9
13.7
(11.3, 16.5)
1.8
(-1.5, 5.2)
AK
7.8
7.8
8.3
(6.3, 10.9)
0.6
(-3.0, 4.2)
AZ
6.4
7.3
9.3
(7.3, 11.7)
2.0
(-0.6, 4.6)
AR
10.2
17.7
11.0
(9.3, 13.0)
-6.7*
(-10.4, -2.9)
CA
7.0
8.9
8.7
(7.8, 9.7)
-0.2
(-1.6, 1.2)
CO
9.4
9.2
8.4
(6.2, 11.2)
-0.8
(-4.5, 2.9)
CT
6.5
7.1
6.0
(4.3, 8.3)
-1.1
(-4.2, 2.0)
DE
5.8
7.8
7.8
(5.6, 10.7)
0.0
(-3.4, 3.4)
DC
9.0
10.2
10.8
(8.9, 13.1)
0.7
(-2.1, 3.4)
FL
7.6
9.5
7.6
(6.6, 8.9)
-1.9
(-3.7, 0.0)
GA
9.1
11.3
10.0
(8.1, 12.2)
-1.3
(-4.3, 1.7)
Geography
All
State
HI
3.5
6.2
4.6
(3.1, 6.9)
-1.6
(-4.3, 1.1)
ID
5.9
9.3
10.9
(8.8, 13.6)
1.6
(-1.8, 5.0)
IL
8.0
7.3
8.4
(6.8, 10.3)
1.1
(-1.3, 3.4)
IN
9.0
8.1
11.1
(8.8, 13.9)
3.0
(-0.2, 6.1)
IA
10.1
9.9
7.8
(5.9, 10.2)
-2.1
(-5.2, 0.9)
KS
9.8
11.8
12.3
(8.0, 18.6)
0.5
(-5.2, 6.2)
KY
10.2
12.3
9.1
(6.8, 12.1)
-3.2
(-6.8, 0.4)
LA
8.2
11.4
11.0
(9.2, 13.0)
-0.4
(-3.5, 2.7)
ME
8.7
10.3
9.0
(6.8, 11.8)
-1.3
(-5.6, 2.9)
MD
6.7
11.0
10.4
(7.8, 13.6)
-0.6
(-4.3, 3.1)
MA
5.1
8.4
8.6
(6.8, 10.7)
0.2
(-2.4, 2.8)
MI
8.2
11.9
9.5
(7.6, 11.8)
-2.4
(-5.7, 0.8)
MN
8.2
12.7
9.2
(7.1, 11.8)
-3.5
(-7.3, 0.3)
MS
14.9
11.4
15.4
(12.3, 19.0)
3.9*
(1.1, 6.8)
MO
9.6
12.7
11.8
(10.0, 13.8)
-0.9
(-4.1, 2.3)
MT
5.2
8.0
8.7
(7.1, 10.6)
0.7
(-1.7, 3.1)
NE
8.1
13.9
11.3
(8.4, 15.0)
-2.6
(-7.0, 1.8)
NV
7.1
11.1
6.4
(4.6, 8.7)
-4.7*
(-7.8, -1.6)
NH
9.4
7.8
7.7
(5.8, 10.1)
-0.1
(-3.2, 2.9)
NJ
7.0
8.1
9.3
(7.5, 11.4)
1.2
(-1.4, 3.9)
NM
9.6
8.4
6.9
(5.5, 8.6)
-1.5
(-3.4, 0.4)
NY
6.8
7.9
6.4
(5.3, 7.7)
-1.5
(-3.4, 0.4)
NC
6.6
10.0
8.0
(6.4, 9.9)
-2.0
(-4.5, 0.5)
ND
9.5
11.0
10.4
(8.1, 13.2)
-0.6
(-4.0, 2.8)
OH
9.4
9.9
11.8
(9.9, 13.9)
1.9
(-0.7, 4.5)
OK
12.9
13.4
11.5
(9.0, 14.4)
-2.0
(-5.5, 1.5)
OR
7.6
10.1
10.9
(8.6, 13.8)
0.8
(-2.8, 4.3)
73 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
C.3 Prepaid
Card Use by State, 2013-2017
For all households
2013
(Percent)
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
PA
6.1
9.8
9.4
(7.9, 11.1)
-0.4
(-2.9, 2.2)
RI
9.6
10.2
7.4
(5.7, 9.8)
-2.7
(-6.3, 0.8)
SC
8.1
9.2
8.0
(6.2, 10.4)
-1.2
(-4.4, 2.0)
SD
8.5
10.7
9.7
(6.3, 14.7)
-1.0
(-4.8, 2.8)
TN
8.5
12.5
10.4
(8.5, 12.7)
-2.1
(-5.5, 1.2)
TX
9.3
10.2
9.3
(8.0, 10.8)
-0.9
(-2.7, 1.0)
UT
7.6
10.6
13.6
(10.7, 17.3)
3.1
(-1.4, 7.6)
VT
6.8
7.7
6.8
(5.1, 9.0)
-0.9
(-3.8, 1.9)
VA
6.3
9.3
9.2
(7.7, 11.1)
0.0
(-2.6, 2.5)
WA
6.2
7.2
7.4
(5.8, 9.3)
0.2
(-2.1, 2.5)
WV
6.3
10.2
10.6
(8.2, 13.7)
0.4
(-4.4, 5.2)
WI
10.4
9.2
8.2
(6.2, 10.8)
-1.0
(-3.6, 1.7)
WY
7.1
9.9
7.6
(5.4, 10.8)
-2.3
(-5.3, 0.7)
Geography
* indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an
estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
74
C.4 Prepaid Card Use by MSA, 2013-2017
For all households
2013
(Percent)
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90%
Confidence
Interval,
Difference
7.9
9.8
9.2
(8.8, 9.5)
-0.6*
(-1.0, -0.2)
Albuquerque, NM
8.6
7.8
4.0
(2.5, 6.2)
-3.8*
(-7.0, -0.7)
Atlanta-Sandy SpringsRoswell, GA~
8.6
8.6
9.2
(7.2, 11.5)
0.5
(-2.9, 3.9)
Geography
All
MSA
Austin-Round Rock, TX
5.5
10.1
7.2
(4.3, 12.0)
-2.8
(-8.7, 3.0)
Baltimore-ColumbiaTowson, MD
8.2
10.2
11.6
(7.6, 17.3)
1.5
(-4.6, 7.6)
Baton Rouge, LA
NA
8.2
6.7
(3.0, 14.3)
-1.5
(-7.9, 5.0)
Billings, MT~
NA
9.7
8.9
(5.3, 14.8)
-0.7
(-8.4, 6.9)
Birmingham-Hoover, AL
5.4
8.8
6.6
(4.0, 10.8)
-2.1
(-6.8, 2.5)
Boise City, ID
4.4
6.2
8.7
(5.9, 12.5)
2.4
(-2.2, 7.0)
Boston-CambridgeNewton, MA-NH~
6.5
9.2
9.8
(7.5, 12.6)
0.5
(-2.9, 3.9)
Burlington-South
Burlington, VT~
5.5
9.2
5.4
(2.6, 10.8)
-3.8
(-8.8, 1.2)
Charlotte-ConcordGastonia, NC-SC~
6.2
8.5
6.1
(3.9, 9.5)
-2.4
(-7.0, 2.2)
Chicago-Naperville-Elgin,
IL-IN-WI
6.5
7.2
7.3
(5.7, 9.3)
0.1
(-2.5, 2.7)
Cincinnati, OH-KY-IN~
6.3
8.7
8.4
(5.1, 13.4)
-0.4
(-5.3, 4.6)
Cleveland-Elyria, OH
7.4
13.1
8.0
(5.3, 11.9)
-5.2*
(-10.2, 0.0)
Columbus, OH~
12.3
11.7
9.7
(6.0, 15.3)
-2.0
(-7.7, 3.8)
Dallas-Fort Worth-Arlington,
TX~
7.7
12.3
9.7
(7.5, 12.5)
-2.6
(-6.0, 0.8)
Denver-Aurora-Lakewood,
CO
8.6
9.2
6.3
(3.9, 9.9)
-2.9
(-7.5, 1.7)
Detroit-Warren-Dearborn,
MI
7.5
9.3
8.8
(6.3, 12.2)
-0.5
(-4.7, 3.7)
Fargo, ND-MN
11.0
17.2
16.8
(11.8, 23.3)
-0.4
(-7.9, 7.0)
Greenville-AndersonMauldin, SC~
NA
3.5
9.1
(5.3, 15.1)
5.6*
(0.1, 11.0)
Hartford-West HartfordEast Hartford, CT~
8.2
11.7
4.8
(2.5, 8.8)
-6.9*
(-12.8, -1.0)
Houston-The WoodlandsSugar Land, TX~
10.2
8.8
9.0
(6.6, 12.1)
0.1
(-3.7, 4.0)
Huntington-Ashland, WVKY-OH~
NA
NA
20.4
(13.6, 29.4)
NA
NA
Indianapolis-CarmelAnderson, IN~
11.2
9.7
10.7
(7.4, 15.3)
1.0
(-4.5, 6.5)
Jackson, MS~
NA
13.4
8.9
(5.6, 13.9)
-4.5
(-10.3, 1.4)
Kansas City, MO-KS~
11.4
13.5
14.2
(10.4, 19.3)
0.7
(-4.9, 6.3)
Knoxville, TN~
NA
NA
11.1
(6.5, 18.2)
NA
NA
Las Vegas-HendersonParadise, NV
7.5
12.1
5.6
(3.7, 8.3)
-6.5*
(-10.1, -2.9)
Little Rock-North Little
Rock-Conway, AR
11.8
21.7
12.4
(9.1, 16.6)
-9.3*
(-16.3, -2.3)
Los Angeles-Long BeachAnaheim, CA
5.5
7.3
6.7
(5.3, 8.5)
-0.6
(-2.9, 1.6)
75 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
C.4 Prepaid Card Use by MSA, 2013-2017
For all households
Geography
2013
(Percent)
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90%
Confidence
Interval,
Difference
Louisville/Jefferson County,
KY-IN~
10.8
8.9
7.0
(3.9, 12.4)
-1.9
(-7.5, 3.7)
Manchester-Nashua, NH~
NA
7.4
4.7
(2.3, 9.2)
-2.7
(-6.9, 1.4)
Memphis, TN-MS-AR~
12.4
14.7
14.2
(10.1, 19.7)
-0.4
(-7.5, 6.7)
Miami-Fort LauderdaleWest Palm Beach, FL
6.2
10.1
6.7
(4.8, 9.3)
-3.4
(-7.2, 0.4)
Milwaukee-Waukesha-West
Allis, WI
12.5
12.2
10.2
(5.7, 17.5)
-2.0
(-9.2, 5.2)
Minneapolis-St. PaulBloomington, MN-WI~
8.8
12.2
11.6
(8.9, 14.9)
-0.6
(-4.8, 3.5)
Nashville-DavidsonMurfreesboro-Franklin, TN~
6.0
13.9
12.7
(8.9, 17.8)
-1.1
(-8.8, 6.5)
New Orleans-Metairie, LA~
8.1
9.9
8.3
(4.9, 13.6)
-1.6
(-7.1, 3.8)
New York-Newark-Jersey
City, NY-NJ-PA~
5.6
7.4
6.3
(5.2, 7.6)
-1.1
(-2.7, 0.6)
Oklahoma City, OK
11.9
17.4
8.2
(4.7, 13.8)
-9.2*
(-16.2, -2.3)
Omaha-Council Bluffs,
NE-IA
10.3
18.1
10.0
(7.0, 14.1)
-8.1*
(-14.5, -1.7)
Orlando-KissimmeeSanford, FL
6.1
7.8
7.1
(4.2, 11.9)
-0.7
(-5.5, 4.1)
Philadelphia-CamdenWilmington, PA-NJ-DE-MD
4.8
6.6
10.7
(8.5, 13.5)
4.2*
(0.7, 7.6)
Phoenix-Mesa-Scottsdale,
AZ
6.7
6.4
9.2
(6.7, 12.7)
2.9
(-0.7, 6.4)
Pittsburgh, PA
9.8
18.1
11.7
(8.2, 16.5)
-6.4
(-13.6, 0.8)
Portland-South Portland,
ME~
5.2
6.8
8.0
(4.8, 13.0)
1.2
(-4.3, 6.8)
Portland-VancouverHillsboro, OR-WA
6.5
11.1
10.9
(8.2, 14.5)
-0.2
(-4.7, 4.3)
Providence-Warwick,
RI-MA~
9.8
11.7
6.1
(4.5, 8.3)
-5.6*
(-9.3, -1.9)
Riverside-San BernardinoOntario, CA
5.3
11.3
11.5
(8.3, 15.8)
0.3
(-5.4, 5.9)
Sacramento-RosevilleArden-Arcade, CA
8.4
10.2
10.5
(7.3, 14.9)
0.3
(-5.0, 5.6)
St. Louis, MO-IL~
10.8
10.3
10.8
(8.1, 14.1)
0.4
(-4.3, 5.1)
Salisbury, MD-DE~
NA
3.2
7.6
(2.5, 20.8)
4.3
(-3.8, 12.5)
Salt Lake City, UT~
9.9
8.9
10.2
(6.7, 15.2)
1.3
(-4.2, 6.8)
San Antonio-New
Braunfels, TX
10.1
14.9
6.8
(4.4, 10.3)
-8.1*
(-13.4, -2.7)
San Diego-Carlsbad, CA
8.5
7.5
8.4
(6.0, 11.7)
0.9
(-2.8, 4.6)
San Francisco-OaklandHayward, CA
7.8
7.5
7.6
(5.6, 10.3)
0.1
(-3.2, 3.3)
San Jose-Sunnyvale-Santa
Clara, CA
6.5
NA
10.9
(6.0, 19.1)
NA
NA
Seattle-Tacoma-Bellevue,
WA
5.9
6.6
7.2
(5.1, 10.0)
0.6
(-2.7, 3.8)
Sioux Falls, SD
10.3
8.2
10.0
(6.5, 15.1)
1.8
(-5.3, 8.8)
Tampa-St. PetersburgClearwater, FL
7.7
8.3
5.3
(3.2, 8.7)
-3.0
(-6.9, 1.0)
76
C.4 Prepaid Card Use by MSA, 2013-2017
For all households
2013
(Percent)
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90%
Confidence
Interval,
Difference
Tulsa, OK
14.9
11.9
14.0
(9.8, 19.6)
2.1
(-4.9, 9.0)
Urban Honolulu, HI
4.5
6.9
5.6
(3.6, 8.7)
-1.3
(-4.9, 2.2)
Virginia Beach-NorfolkNewport News, VA-NC~
7.0
9.7
13.2
(9.1, 18.7)
3.5
(-3.6, 10.5)
Washington-ArlingtonAlexandria, DC-VA-MDWV~
6.5
9.1
7.3
(5.6, 9.4)
-1.9
(-4.6, 0.9)
Wichita, KS~
14.0
17.0
7.9
(4.3, 14.1)
-9.1*
(-16.9, -1.3)
Worcester, MA-CT~
NA
NA
7.7
(4.1, 14.0)
NA
NA
Geography
~ indicates areas with geographic boundary changes between the 2013 and 2015 surveys. See Appendix 1 (FDIC Technical Notes) for details. * indicates
differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of
zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
77 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
C.5 Sources
of Prepaid Cards by Banking Status and Household Characteristics, 2017
For all households that used prepaid cards in the past 12 months, row percent
Number of
Households
(1000s)
Percent of
Households
Bank
location
or bank
website
(Percent)
Store or
website
that is not
a bank
(Percent)
Government
agency
(Percent)
Employer
payroll card
(Percent)
Family or
friends
(Percent)
Other
(Percent)
Unknown
(Percent)
11,834
100.0
13.3
45.4
15.0
9.3
15.0
8.4
0.6
Unbanked
2,265
100.0
5.1
44.6
31.5
13.9
3.1
7.6
0.6
Banked:
Underbanked
3,502
100.0
14.9
48.4
12.4
9.6
13.5
8.3
0.6
Banked: Fully
banked
5,915
100.0
15.7
44.2
10.3
7.3
19.7
8.9
0.6
NA
NA
NA
NA
NA
NA
NA
NA
NA
Less than
$15,000
2,077
100.0
8.1
41.3
34.1
8.6
6.3
6.4
0.4
$15,000 to
$30,000
2,057
100.0
12.6
43.2
20.9
10.4
11.3
6.3
1.0
$30,000 to
$50,000
2,335
100.0
13.3
49.2
11.6
10.1
14.4
9.0
0.7
$50,000 to
$75,000
1,835
100.0
15.6
45.9
7.3
7.6
21.6
9.8
0.6
At least $75,000
3,529
100.0
15.7
46.5
6.8
9.5
19.2
9.6
0.4
No high school
diploma
1,281
100.0
9.3
45.3
31.6
10.3
5.2
4.0
-
High school
diploma
3,114
100.0
11.0
45.1
18.8
10.8
11.7
7.3
1.3
Some college
3,741
100.0
14.1
46.8
13.4
9.5
16.0
7.6
0.4
College degree
3,698
100.0
16.0
44.4
7.8
7.5
20.1
11.5
0.4
15 to 24 years
1,002
100.0
7.9
46.0
11.6
17.0
18.0
4.8
1.2
25 to 34 years
2,300
100.0
14.2
44.8
12.0
11.6
16.0
8.5
0.5
35 to 44 years
2,318
100.0
10.9
50.3
16.5
9.0
14.8
7.7
0.1
45 to 54 years
2,495
100.0
13.5
46.2
15.0
9.7
13.3
9.2
0.4
55 to 64 years
2,119
100.0
15.5
42.7
18.0
6.2
12.3
8.0
0.8
65 years or more
1,601
100.0
16.2
41.3
15.7
5.0
18.2
10.5
0.9
Black
2,429
100.0
11.7
47.2
21.5
10.2
7.2
8.0
0.6
Hispanic
1,318
100.0
14.4
48.2
13.5
11.1
13.2
5.6
0.5
Characteristics
All
Unbanked and
underbanked
Banked:
Underbanked
status unknown
Family income
Education
Age group
Race/Ethnicity
Asian
NA
NA
NA
NA
NA
NA
NA
NA
NA
White
7,273
100.0
13.5
44.2
13.4
8.5
18.1
9.4
0.6
Other
NA
NA
NA
NA
NA
NA
NA
NA
NA
78
C.5 Sources
of Prepaid Cards by Banking Status and Household Characteristics, 2017
For all households that used prepaid cards in the past 12 months, row percent
Number of
Households
(1000s)
Percent of
Households
Bank
location
or bank
website
(Percent)
Store or
website
that is not
a bank
(Percent)
Government
agency
(Percent)
Employer
payroll card
(Percent)
Family or
friends
(Percent)
Other
(Percent)
Unknown
(Percent)
Disabled, age 25
to 64
1,769
100.0
11.0
37.3
34.2
4.7
10.0
7.0
0.4
Not disabled,
age 25 to 64
7,463
100.0
14.0
48.2
10.8
10.3
15.1
8.7
0.5
Not applicable
(not age 25 to
64)
2,603
100.0
13.0
43.1
14.1
9.6
18.1
8.3
1.0
Income was
about the same
each month
8,205
100.0
13.5
45.3
15.5
7.5
15.4
8.7
0.4
Income varied
somewhat from
month to month
2,633
100.0
14.2
44.7
13.8
13.9
12.7
8.5
0.9
Income varied a
lot from month
to month
638
100.0
8.3
52.1
11.3
14.3
18.1
6.7
-
Unknown
NA
NA
NA
NA
NA
NA
NA
NA
NA
7,624
100.0
13.7
47.8
8.9
11.3
16.9
8.6
0.4
Unemployed
580
100.0
7.5
46.6
17.8
13.0
7.9
13.1
1.3
Not in labor
force
3,630
100.0
13.5
40.4
27.4
4.4
12.2
7.1
0.8
Homeowner
6,005
100.0
14.3
45.9
10.4
7.0
18.3
10.3
0.6
Non-homeowner
5,829
100.0
12.4
44.9
19.9
11.7
11.6
6.4
0.5
Married couple
4,942
100.0
15.3
46.4
9.2
8.8
18.6
8.4
0.4
Unmarried
female-headed
family
2,409
100.0
11.3
45.0
25.3
8.5
8.1
8.7
0.9
783
100.0
10.6
46.7
13.9
16.3
14.6
7.5
0.9
Female
individual
1,778
100.0
11.8
39.2
19.1
8.8
16.1
9.6
0.3
Male individual
1,903
100.0
13.7
48.4
13.8
9.1
13.4
7.2
0.8
NA
NA
NA
NA
NA
NA
NA
NA
NA
Characteristics
Disability
status
Monthly
income
volatility
Employment
status
Employed
Homeownership
Household
type
Unmarried maleheaded family
Other
Nativity
U.S.-born
10,609
100.0
12.6
45.9
15.1
9.1
15.6
8.8
0.6
Foreign-born
citizen
631
100.0
24.8
38.5
14.3
9.1
8.8
5.8
1.0
Foreign-born
non-citizen
594
100.0
15.0
45.2
14.8
13.3
11.0
3.6
-
79 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
C.5 Sources
of Prepaid Cards by Banking Status and Household Characteristics, 2017
For all households that used prepaid cards in the past 12 months, row percent
Number of
Households
(1000s)
Percent of
Households
Bank
location
or bank
website
(Percent)
Store or
website
that is not
a bank
(Percent)
Government
agency
(Percent)
Employer
payroll card
(Percent)
Family or
friends
(Percent)
Other
(Percent)
Unknown
(Percent)
Spanish is not
only language
spoken
11,553
100.0
13.1
45.3
15.0
9.4
15.3
8.6
0.6
Spanish is
only language
spoken
NA
NA
NA
NA
NA
NA
NA
NA
NA
Metropolitan
area - principal
city
3,614
100.0
11.9
46.6
16.7
8.7
13.3
8.5
0.6
Metropolitan
area - balance
4,594
100.0
15.6
44.2
13.1
10.0
16.8
7.9
0.5
Not in
metropolitan
area
1,790
100.0
11.3
46.7
17.5
9.0
9.9
11.0
0.7
Not identified
1,836
100.0
12.5
45.3
14.2
9.1
18.6
6.7
0.7
Northeast
1,791
100.0
12.7
44.2
14.5
6.8
16.9
8.7
1.4
Midwest
2,773
100.0
13.5
44.9
17.0
9.5
14.3
8.5
0.8
South
4,703
100.0
14.6
44.9
13.3
9.7
15.3
8.4
0.3
West
2,567
100.0
11.4
47.9
16.4
10.0
13.7
8.1
0.3
Characteristics
Spanish only
language
spoken
Metropolitan
status
Geographic
region
Row percentages may not sum to 100 because households with multiple prepaid cards were asked to select all sources of their cards. NA indicates that the sample
size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not
always reconcile to totals because of rounding.
80
D.1 A
FS Use by Bank Account Ownership and Household Characteristics, 2013-2017
For all households
2013
(Percent)
2015
(Percent)
2017
(Percent)
90%
Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
24.9
24.0
22.1
(21.6, 22.5)
-1.9*
(-2.5, -1.3)
Unbanked
63.2
57.3
51.3
(49.0, 53.6)
-6.0*
(-9.0, -3.0)
Has bank account
21.7
21.4
20.0
(19.6, 20.5)
-1.4*
(-2.1, -0.8)
Less than $15,000
39.1
38.6
32.4
(31.2, 33.7)
-6.2*
(-8.0, -4.3)
$15,000 to $30,000
33.1
31.0
29.7
(28.5, 31.0)
-1.2
(-3.0, 0.5)
$30,000 to $50,000
26.5
26.6
25.8
(24.7, 26.9)
-0.9
(-2.3, 0.6)
$50,000 to $75,000
20.9
21.0
20.5
(19.6, 21.5)
-0.5
(-1.9, 1.0)
At least $75,000
13.8
13.5
13.5
(13.0, 14.0)
-0.1
(-0.8, 0.7)
No high school diploma
39.5
39.0
35.4
(33.9, 37.0)
-3.6*
(-5.5, -1.6)
High school diploma
28.7
27.8
25.3
(24.4, 26.1)
-2.5*
(-3.8, -1.2)
Some college
26.9
25.3
23.6
(22.8, 24.4)
-1.8*
(-3.0, -0.5)
College degree
14.9
15.0
14.9
(14.2, 15.5)
-0.1
(-1.0, 0.8)
15 to 24 years
41.5
37.8
34.6
(32.1, 37.2)
-3.2
(-6.9, 0.4)
25 to 34 years
33.6
31.1
28.0
(26.8, 29.1)
-3.1*
(-4.8, -1.5)
35 to 44 years
29.6
28.1
26.6
(25.6, 27.7)
-1.5
(-3.0, 0.1)
45 to 54 years
26.7
24.8
22.9
(21.8, 24.1)
-1.9*
(-3.4, -0.3)
55 to 64 years
20.9
21.8
20.7
(19.7, 21.7)
-1.1
(-2.5, 0.2)
65 years or more
13.1
14.1
13.0
(12.4, 13.7)
-1.1*
(-2.0, -0.2)
Black
46.1
42.2
39.9
(38.6, 41.3)
-2.3*
(-4.2, -0.3)
Hispanic
40.3
38.5
36.0
(34.6, 37.5)
-2.4*
(-4.4, -0.4)
Asian
18.6
22.3
18.0
(16.1, 20.1)
-4.3*
(-7.4, -1.3)
White
18.1
17.3
15.5
(15.1, 16.0)
-1.8*
(-2.4, -1.1)
Other
36.5
34.1
35.0
(31.0, 39.3)
0.9
(-4.4, 6.2)
Characteristics
All
Unbanked
Family income
Education
Age group
Race/Ethnicity
Disability status
Disabled, age 25 to 64
38.7
38.0
33.2
(31.6, 34.7)
-4.8*
(-7.1, -2.5)
Not disabled, age 25 to 64
26.0
24.5
23.1
(22.5, 23.7)
-1.4*
(-2.2, -0.6)
Not applicable (not age 25
to 64)
18.2
18.4
16.7
(16.0, 17.4)
-1.7*
(-2.7, -0.6)
Income was about the
same each month
22.6
21.2
(20.7, 21.7)
-1.4*
(-2.1, -0.7)
Income varied somewhat
from month to month
32.6
30.6
(29.3, 32.0)
-1.9*
(-3.7, -0.2)
Income varied a lot from
month to month
40.3
36.4
(33.9, 38.9)
-3.9*
(-7.4, -0.4)
Unknown
8.1
6.6
(5.7, 7.6)
-1.5*
(-2.9, -0.1)
Monthly income
volatility
81 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
D.1 A
FS Use by Bank Account Ownership and Household Characteristics, 2013-2017
For all households
2013
(Percent)
2015
(Percent)
2017
(Percent)
90%
Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
Employed
25.6
24.5
23.2
(22.6, 23.7)
-1.4*
(-2.2, -0.5)
Unemployed
41.0
39.0
35.7
(32.8, 38.6)
-3.4
(-7.2, 0.4)
Not in labor force
21.6
21.7
19.2
(18.5, 19.8)
-2.6*
(-3.5, -1.6)
Homeowner
17.0
16.5
15.3
(14.8, 15.7)
-1.3*
(-2.0, -0.6)
Non-homeowner
39.4
36.7
33.9
(33.0, 34.9)
-2.8*
(-4.2, -1.5)
Married couple
20.1
19.5
18.2
(17.8, 18.7)
-1.3*
(-2.1, -0.4)
Unmarried female-headed
family
41.3
39.3
36.6
(35.2, 38.1)
-2.7*
(-4.6, -0.7)
Unmarried male-headed
family
37.5
33.4
32.0
(29.8, 34.3)
-1.4
(-4.4, 1.6)
Female individual
21.2
21.2
19.0
(18.0, 19.9)
-2.3*
(-3.6, -0.9)
Male individual
26.2
25.1
23.1
(22.0, 24.3)
-1.9*
(-3.5, -0.4)
Other
NA
NA
NA
NA
NA
NA
U.S.-born
23.4
21.9
20.3
(19.9, 20.8)
-1.6*
(-2.2, -1.0)
Foreign-born citizen
26.9
27.7
25.6
(23.9, 27.4)
-2.1
(-4.7, 0.4)
Foreign-born non-citizen
42.8
44.2
39.2
(37.2, 41.3)
-4.9*
(-7.8, -2.1)
Spanish is not only
language spoken
24.4
23.5
21.1
(20.7, 21.6)
-2.4*
(-3.0, -1.7)
Spanish is only language
spoken
46.3
45.7
45.7
(42.2, 49.2)
-0.1
(-4.6, 4.5)
Metropolitan area principal city
29.6
29.2
26.3
(25.2, 27.3)
-2.9*
(-4.3, -1.6)
Metropolitan area - balance
21.2
20.5
19.3
(18.6, 19.9)
-1.2*
(-2.2, -0.2)
Not in metropolitan area
26.3
25.5
22.7
(21.6, 23.9)
-2.7*
(-4.6, -0.8)
Not identified
24.8
22.5
21.0
(19.7, 22.3)
-1.5
(-3.1, 0.1)
Northeast
23.6
22.8
20.6
(19.6, 21.7)
-2.2*
(-3.6, -0.7)
Midwest
21.0
20.8
18.6
(17.7, 19.6)
-2.2*
(-3.6, -0.9)
South
29.3
26.7
25.2
(24.5, 26.0)
-1.5*
(-2.6, -0.4)
West
22.3
23.2
21.0
(20.1, 22.0)
-2.2*
(-3.5, -0.9)
Characteristics
Employment status
Homeownership
Household type
Nativity
Spanish only language
spoken
Metropolitan status
Geographic region
Monthly income volatility is not available in 2013. * indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is
too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always
reconcile to totals because of rounding.
82
D.2 Transaction AFS Use by Bank Account Ownership and Household Characteristics, 2013-2017
For all households
2013
(Percent)
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
21.9
20.2
18.3
(17.9, 18.7)
-1.8*
(-2.4, -1.3)
Unbanked
60.5
54.1
48.0
(45.7, 50.3)
-6.1*
(-9.2, -3.0)
Has bank account
18.6
17.6
16.3
(15.9, 16.7)
-1.3*
(-1.9, -0.8)
Less than $15,000
35.4
33.7
28.6
(27.3, 29.9)
-5.2*
(-7.0, -3.4)
$15,000 to $30,000
29.1
26.8
25.6
(24.4, 26.9)
-1.2
(-2.9, 0.5)
$30,000 to $50,000
22.6
21.7
21.6
(20.6, 22.7)
-0.1
(-1.5, 1.2)
$50,000 to $75,000
17.9
17.3
16.2
(15.4, 17.1)
-1.1
(-2.4, 0.3)
At least $75,000
12.5
11.1
10.6
(10.1, 11.1)
-0.5
(-1.2, 0.2)
No high school diploma
36.0
34.3
31.8
(30.4, 33.3)
-2.5*
(-4.4, -0.7)
High school diploma
25.0
23.5
21.4
(20.6, 22.2)
-2.1*
(-3.3, -1.0)
Characteristics
All
Unbanked
Family income
Education
Some college
23.1
21.0
19.0
(18.3, 19.7)
-2.0*
(-3.1, -1.0)
College degree
13.4
12.3
12.0
(11.4, 12.6)
-0.3
(-1.1, 0.5)
15 to 24 years
37.2
33.0
28.7
(26.6, 31.0)
-4.3*
(-7.6, -0.9)
25 to 34 years
29.5
26.6
23.1
(22.1, 24.2)
-3.5*
(-5.1, -2.0)
35 to 44 years
25.4
23.4
22.3
(21.3, 23.4)
-1.1
(-2.6, 0.4)
45 to 54 years
23.3
20.5
18.7
(17.7, 19.8)
-1.8*
(-3.3, -0.3)
55 to 64 years
18.4
18.3
17.3
(16.5, 18.3)
-1.0
(-2.2, 0.2)
65 years or more
12.0
11.8
10.9
(10.4, 11.5)
-0.8
(-1.7, 0.0)
Black
41.9
37.7
35.1
(33.8, 36.5)
-2.6*
(-4.6, -0.7)
Hispanic
36.8
34.7
32.4
(31.0, 33.8)
-2.3*
(-4.5, -0.2)
Asian
17.3
19.5
15.3
(13.5, 17.2)
-4.3*
(-7.0, -1.6)
White
15.4
13.6
12.0
(11.6, 12.4)
-1.6*
(-2.1, -1.0)
Other
32.3
28.5
28.9
(25.1, 33.1)
0.4
(-4.7, 5.5)
Disabled, age 25 to 64
32.8
31.4
27.5
(26.0, 29.1)
-3.8*
(-5.9, -1.7)
Not disabled, age 25 to 64
22.7
20.7
19.2
(18.7, 19.7)
-1.5*
(-2.3, -0.8)
Not applicable (not age 25
to 64)
16.5
15.6
14.0
(13.4, 14.6)
-1.6*
(-2.5, -0.7)
Income was about the
same each month
18.9
17.4
(16.9, 17.9)
-1.5*
(-2.2, -0.8)
Income varied somewhat
from month to month
27.7
26.2
(25.0, 27.5)
-1.5
(-3.1, 0.1)
Income varied a lot from
month to month
34.3
30.9
(28.4, 33.5)
-3.4
(-6.8, 0.1)
Unknown
6.9
5.6
(4.8, 6.5)
-1.3
(-2.6, 0.0)
Age group
Race/Ethnicity
Disability status
Monthly income
volatility
83 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
D.2 Transaction AFS Use by Bank Account Ownership and Household Characteristics, 2013-2017
For all households
2013
(Percent)
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
Employed
22.4
20.7
19.0
(18.5, 19.6)
-1.7*
(-2.5, -0.9)
Unemployed
35.6
33.5
31.7
(29.0, 34.6)
-1.8
(-5.3, 1.6)
Not in labor force
19.2
18.1
16.2
(15.6, 16.8)
-1.9*
(-2.8, -1.1)
Homeowner
14.7
13.5
12.1
(11.7, 12.5)
-1.4*
(-2.0, -0.8)
Non-homeowner
35.2
31.7
29.3
(28.4, 30.2)
-2.4*
(-3.6, -1.1)
Married couple
17.6
16.2
14.9
(14.4, 15.4)
-1.2*
(-2.0, -0.5)
Unmarried female-headed
family
36.0
33.9
31.1
(29.7, 32.6)
-2.8*
(-4.7, -0.9)
Unmarried male-headed
family
33.0
28.7
27.4
(25.1, 29.8)
-1.3
(-4.4, 1.7)
Female individual
18.7
17.7
15.5
(14.6, 16.3)
-2.2*
(-3.4, -1.0)
Male individual
23.5
21.2
19.5
(18.5, 20.6)
-1.7*
(-3.0, -0.3)
Other
NA
NA
NA
NA
NA
NA
U.S.-born
20.1
17.9
16.4
(16.1, 16.8)
-1.5*
(-2.0, -0.9)
Foreign-born citizen
25.2
25.3
23.0
(21.3, 24.7)
-2.4
(-4.8, 0.1)
Foreign-born non-citizen
41.4
41.4
36.6
(34.6, 38.6)
-4.8*
(-7.6, -2.0)
Spanish is not only
language spoken
21.4
19.6
17.3
(16.9, 17.7)
-2.3*
(-2.9, -1.8)
Spanish is only language
spoken
45.3
43.1
44.0
(40.5, 47.6)
0.9
(-3.6, 5.5)
Metropolitan area principal city
26.7
25.7
22.6
(21.7, 23.5)
-3.1*
(-4.4, -1.9)
Metropolitan area - balance
18.8
17.3
16.0
(15.4, 16.6)
-1.3*
(-2.2, -0.4)
Not in metropolitan area
22.3
20.3
18.3
(17.3, 19.4)
-2.0*
(-3.7, -0.2)
Not identified
21.0
17.6
16.6
(15.5, 17.8)
-1.0
(-2.4, 0.3)
Northeast
21.7
19.6
18.0
(16.9, 19.0)
-1.7*
(-3.1, -0.2)
Midwest
18.0
17.1
14.8
(13.9, 15.6)
-2.3*
(-3.5, -1.1)
South
25.6
22.7
21.0
(20.3, 21.7)
-1.8*
(-2.7, -0.8)
West
19.5
19.2
17.6
(16.7, 18.5)
-1.6*
(-2.8, -0.4)
Characteristics
Employment status
Homeownership
Household type
Nativity
Spanish only language
spoken
Metropolitan status
Geographic region
Monthly income volatility is not available in 2013. * indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is
too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always
reconcile to totals because of rounding.
84
D.3 Credit AFS Use by Bank Account Ownership and Household Characteristics, 2013-2017
For all households
2013
(Percent)
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90%
Confidence
Interval,
Difference
7.0
7.7
6.9
(6.6, 7.2)
-0.8*
(-1.1, -0.4)
Unbanked
16.7
16.5
12.3
(11.1, 13.6)
-4.2*
(-6.1, -2.3)
Has bank account
6.2
7.0
6.5
(6.2, 6.8)
-0.5*
(-0.8, -0.1)
Less than $15,000
11.4
12.0
9.4
(8.6, 10.3)
-2.6*
(-3.8, -1.3)
$15,000 to $30,000
11.0
10.2
9.3
(8.5, 10.2)
-0.9
(-2.0, 0.3)
$30,000 to $50,000
8.1
9.6
8.6
(8.0, 9.3)
-1.0*
(-2.0, -0.1)
$50,000 to $75,000
5.4
6.6
6.9
(6.3, 7.5)
0.2
(-0.6, 1.1)
At least $75,000
2.6
3.7
3.9
(3.6, 4.3)
0.2
(-0.2, 0.7)
No high school diploma
11.4
11.3
9.3
(8.4, 10.3)
-2.0*
(-3.3, -0.6)
High school diploma
8.6
9.8
8.1
(7.6, 8.7)
-1.7*
(-2.5, -0.9)
Characteristics
All
Unbanked
Family income
Education
Some college
8.8
8.7
8.5
(8.0, 9.1)
-0.2
(-1.0, 0.6)
College degree
2.7
3.9
4.1
(3.7, 4.4)
0.1
(-0.4, 0.6)
15 to 24 years
12.5
13.1
12.3
(10.7, 14.1)
-0.8
(-3.2, 1.7)
25 to 34 years
10.7
11.4
9.6
(8.9, 10.4)
-1.8*
(-3.0, -0.6)
35 to 44 years
9.6
9.6
8.8
(8.1, 9.6)
-0.8
(-1.8, 0.2)
45 to 54 years
8.1
8.0
7.4
(6.8, 8.1)
-0.6
(-1.4, 0.2)
55 to 64 years
5.0
5.9
5.8
(5.2, 6.4)
-0.1
(-0.9, 0.6)
65 years or more
1.9
3.6
3.2
(2.9, 3.6)
-0.4
(-0.9, 0.1)
Black
13.6
12.9
11.6
(10.6, 12.7)
-1.3
(-2.7, 0.1)
Hispanic
9.5
9.7
8.2
(7.5, 9.0)
-1.5*
(-2.6, -0.4)
Asian
2.4
4.6
5.0
(3.9, 6.4)
0.3
(-1.5, 2.1)
White
5.5
6.2
5.6
(5.3, 6.0)
-0.6*
(-1.0, -0.2)
Other
11.5
16.1
13.4
(10.7, 16.7)
-2.6
(-6.6, 1.4)
Disabled, age 25 to 64
14.5
14.6
12.2
(11.2, 13.3)
-2.4*
(-4.1, -0.7)
Not disabled, age 25 to 64
7.4
7.8
7.2
(6.9, 7.5)
-0.6*
(-1.0, -0.1)
Not applicable (not age 25
to 64)
3.8
5.3
4.7
(4.3, 5.2)
-0.5
(-1.1, 0.1)
Income was about the
same each month
6.9
6.6
(6.3, 7.0)
-0.2
(-0.7, 0.2)
Income varied somewhat
from month to month
11.4
9.8
(9.0, 10.7)
-1.6*
(-2.7, -0.4)
Income varied a lot from
month to month
15.7
11.9
(10.4, 13.6)
-3.8*
(-6.2, -1.4)
Unknown
2.2
1.5
(1.1, 2.0)
-0.7
(-1.4, 0.0)
Age group
Race/Ethnicity
Disability status
Monthly income
volatility
85 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
D.3 Credit AFS Use by Bank Account Ownership and Household Characteristics, 2013-2017
For all households
2013
(Percent)
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90%
Confidence
Interval,
Difference
Employed
7.2
7.8
7.5
(7.2, 7.9)
-0.3
(-0.8, 0.2)
Unemployed
16.0
14.9
10.7
(9.0, 12.8)
-4.2*
(-7.2, -1.3)
Not in labor force
5.6
6.8
5.5
(5.1, 6.0)
-1.3*
(-2.0, -0.6)
Homeowner
4.2
5.1
4.8
(4.5, 5.0)
-0.3
(-0.7, 0.1)
Non-homeowner
12.3
12.2
10.6
(10.0, 11.3)
-1.5*
(-2.4, -0.7)
Married couple
5.2
6.2
5.6
(5.3, 5.9)
-0.6*
(-1.1, -0.1)
Unmarried female-headed
family
15.1
14.5
12.4
(11.3, 13.6)
-2.1*
(-3.6, -0.6)
Unmarried male-headed
family
12.4
9.7
9.9
(8.7, 11.2)
0.1
(-1.8, 2.0)
Female individual
5.3
6.4
5.8
(5.2, 6.5)
-0.6
(-1.4, 0.3)
Male individual
6.2
7.4
7.0
(6.3, 7.8)
-0.3
(-1.3, 0.6)
Other
NA
NA
NA
NA
NA
NA
U.S.-born
7.4
7.9
7.0
(6.7, 7.3)
-0.8*
(-1.3, -0.4)
Foreign-born citizen
3.8
4.7
5.2
(4.4, 6.0)
0.5
(-0.6, 1.6)
Foreign-born non-citizen
6.0
8.5
7.5
(6.5, 8.6)
-1.0
(-2.6, 0.5)
Spanish is not only
language spoken
7.1
7.7
6.9
(6.6, 7.3)
-0.7*
(-1.1, -0.3)
Spanish is only language
spoken
4.7
7.5
6.1
(4.9, 7.5)
-1.4
(-3.6, 0.9)
Metropolitan area principal city
7.9
8.2
7.4
(6.8, 8.0)
-0.8*
(-1.6, 0.0)
Metropolitan area - balance
5.5
6.1
5.7
(5.4, 6.1)
-0.4
(-0.9, 0.2)
Not in metropolitan area
8.3
9.9
8.3
(7.5, 9.1)
-1.6*
(-2.8, -0.4)
Not identified
8.4
9.1
8.2
(7.4, 9.0)
-0.9
(-2.1, 0.3)
Northeast
4.3
5.6
4.6
(4.1, 5.3)
-1.0*
(-1.8, -0.2)
Midwest
6.4
7.3
6.7
(6.2, 7.3)
-0.6
(-1.4, 0.2)
South
9.0
9.0
8.3
(7.9, 8.8)
-0.7
(-1.4, 0.1)
West
6.4
7.4
6.5
(5.9, 7.1)
-1.0*
(-1.8, -0.2)
Characteristics
Employment status
Homeownership
Household type
Nativity
Spanish only language
spoken
Metropolitan status
Geographic region
Monthly income volatility is not available in 2013. * indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is
too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always
reconcile to totals because of rounding.
86
D.4 A
FS Use by State, 2013-2017
For all households
2013
(Percent)
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90%
Confidence
Interval,
Difference
24.9
24.0
22.1
(21.6, 22.5)
-1.9*
(-2.5, -1.3)
AL
33.6
31.1
27.3
(24.1, 30.7)
-3.9
(-8.0, 0.2)
AK
20.7
28.7
22.5
(19.1, 26.4)
-6.2
(-13.1, 0.8)
AZ
23.0
22.2
21.7
(18.4, 25.3)
-0.6
(-5.1, 4.0)
AR
34.4
29.0
22.6
(19.0, 26.6)
-6.4*
(-11.0, -1.8)
CA
22.3
22.6
20.8
(19.2, 22.4)
-1.9
(-4.0, 0.2)
CO
22.0
20.5
19.5
(16.6, 22.8)
-1.0
(-5.7, 3.8)
CT
17.8
16.5
16.9
(13.7, 20.8)
0.5
(-4.4, 5.3)
DE
21.4
17.8
17.5
(14.0, 21.8)
-0.2
(-5.5, 5.0)
DC
30.6
31.8
24.9
(21.9, 28.1)
-7.0*
(-11.5, -2.4)
FL
22.7
20.8
21.2
(19.2, 23.3)
0.4
(-2.4, 3.2)
GA
33.9
32.4
30.7
(27.5, 34.2)
-1.7
(-6.0, 2.6)
HI
21.4
17.5
16.7
(13.7, 20.3)
-0.8
(-5.1, 3.6)
ID
23.3
25.0
19.2
(16.4, 22.5)
-5.8*
(-10.0, -1.6)
IL
19.2
18.1
19.5
(17.3, 22.0)
1.4
(-1.4, 4.2)
IN
21.8
20.8
21.3
(18.0, 25.0)
0.4
(-4.8, 5.6)
IA
17.9
20.1
15.4
(11.7, 20.0)
-4.7
(-9.5, 0.1)
KS
27.0
22.2
23.6
(18.9, 28.9)
1.3
(-4.8, 7.5)
KY
29.9
24.4
24.0
(20.9, 27.4)
-0.4
(-6.6, 5.8)
LA
32.7
32.7
29.7
(26.8, 32.6)
-3.0
(-7.2, 1.2)
ME
20.7
18.5
19.8
(16.3, 23.9)
1.4
(-3.4, 6.1)
MD
26.7
25.0
21.2
(17.8, 25.1)
-3.8
(-8.4, 0.8)
MA
20.8
19.9
19.5
(17.1, 22.2)
-0.3
(-3.9, 3.2)
MI
21.4
23.3
17.0
(14.5, 19.9)
-6.3*
(-10.8, -1.8)
MN
14.9
15.7
13.3
(10.8, 16.4)
-2.4
(-7.3, 2.5)
MS
40.5
32.7
31.9
(28.8, 35.1)
-0.8
(-5.5, 3.9)
MO
25.4
27.5
20.6
(17.9, 23.6)
-6.9*
(-10.9, -3.0)
MT
21.5
15.7
18.9
(16.4, 21.6)
3.2
(-0.1, 6.5)
NE
23.6
24.0
20.0
(17.2, 23.2)
-4.0
(-8.2, 0.1)
NV
29.9
32.8
28.7
(25.0, 32.9)
-4.1
(-9.5, 1.4)
NH
15.9
19.6
14.9
(12.3, 18.0)
-4.6*
(-8.8, -0.5)
NJ
25.4
18.7
21.6
(18.9, 24.6)
2.9
(-0.9, 6.8)
NM
30.0
32.6
28.4
(25.5, 31.6)
-4.2
(-9.6, 1.2)
NY
24.9
28.7
21.3
(19.5, 23.3)
-7.4*
(-10.1, -4.7)
NC
26.5
24.9
20.7
(18.5, 23.2)
-4.2*
(-7.6, -0.7)
ND
21.7
22.0
18.1
(15.3, 21.4)
-3.9
(-10.8, 3.1)
OH
25.2
21.4
21.2
(18.7, 23.9)
-0.2
(-3.7, 3.2)
Geography
All
State
OK
29.4
32.7
25.7
(22.5, 29.2)
-7.0*
(-11.4, -2.6)
OR
20.6
23.7
22.8
(19.3, 26.7)
-1.0
(-6.5, 4.6)
87 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
D.4 A
FS Use by State, 2013-2017
For all households
2013
(Percent)
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90%
Confidence
Interval,
Difference
PA
25.5
21.3
21.8
(19.7, 24.0)
0.4
(-2.9, 3.8)
RI
16.7
18.8
18.8
(15.3, 22.9)
0.0
(-5.2, 5.1)
SC
32.3
29.5
22.8
(19.8, 26.2)
-6.7*
(-11.3, -2.0)
SD
21.2
23.4
17.9
(15.1, 21.1)
-5.5
(-12.7, 1.8)
TN
23.9
24.3
26.2
(23.6, 29.1)
1.9
(-2.1, 5.9)
TX
34.3
29.1
29.2
(27.5, 30.9)
0.1
(-2.7, 3.0)
UT
15.0
23.1
16.8
(13.9, 20.2)
-6.3*
(-10.7, -1.9)
VT
18.4
13.9
12.5
(10.2, 15.3)
-1.3
(-4.7, 2.1)
VA
23.4
22.5
22.8
(20.1, 25.7)
0.3
(-4.1, 4.6)
WA
20.2
23.7
19.3
(16.2, 22.9)
-4.3*
(-8.6, -0.1)
WV
27.2
22.1
23.1
(18.7, 28.3)
1.0
(-4.4, 6.5)
WI
13.3
17.8
13.8
(11.2, 16.7)
-4.0*
(-7.4, -0.6)
WY
25.2
21.9
24.5
(21.1, 28.2)
2.6
(-2.9, 8.2)
Geography
* indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an
estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
88
D.5 T
ransaction AFS Use by State, 2013-2017
For all households
2013
(Percent)
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90%
Confidence
Interval,
Difference
21.9
20.2
18.3
(17.9, 18.7)
-1.8*
(-2.4, -1.3)
AL
28.7
27.7
24.2
(21.2, 27.4)
-3.5
(-7.4, 0.3)
AK
17.1
21.3
15.8
(12.7, 19.5)
-5.5
(-11.5, 0.6)
AZ
19.1
19.3
17.4
(14.8, 20.4)
-1.9
(-6.3, 2.5)
AR
31.1
23.4
18.4
(15.0, 22.4)
-5.0*
(-8.9, -1.1)
CA
19.9
18.5
17.6
(16.2, 19.3)
-0.9
(-2.9, 1.1)
CO
18.3
15.5
16.9
(14.0, 20.3)
1.5
(-3.1, 6.0)
CT
16.0
14.3
14.5
(11.8, 17.7)
0.2
(-4.2, 4.5)
DE
18.7
16.0
15.2
(11.8, 19.4)
-0.8
(-5.7, 4.1)
DC
28.4
29.5
21.7
(18.9, 24.8)
-7.8*
(-12.1, -3.4)
FL
20.0
18.2
17.9
(16.1, 19.9)
-0.3
(-2.9, 2.4)
GA
31.4
29.1
27.3
(24.1, 30.7)
-1.8
(-6.0, 2.4)
Geography
All
State
HI
18.5
15.1
13.6
(10.8, 16.9)
-1.5
(-5.6, 2.5)
ID
19.5
18.1
15.1
(12.5, 18.1)
-3.0
(-8.0, 1.9)
IL
17.5
16.3
15.8
(13.8, 18.1)
-0.5
(-3.0, 2.0)
IN
18.8
17.0
16.2
(13.7, 19.1)
-0.8
(-5.4, 3.8)
IA
14.8
14.9
10.2
(7.4, 13.9)
-4.7*
(-8.8, -0.6)
KS
24.6
17.4
18.1
(14.0, 23.1)
0.8
(-4.4, 6.0)
KY
24.6
19.6
17.8
(15.1, 20.9)
-1.9
(-6.7, 3.0)
LA
29.9
28.1
26.3
(23.7, 29.0)
-1.8
(-5.1, 1.5)
ME
16.0
13.2
14.7
(11.3, 18.9)
1.5
(-2.9, 5.8)
MD
25.5
21.1
16.8
(13.5, 20.6)
-4.3
(-8.7, 0.1)
MA
18.7
18.5
16.7
(14.4, 19.1)
-1.9
(-5.2, 1.4)
MI
18.3
20.3
14.2
(12.1, 16.7)
-6.0*
(-10.1, -2.0)
MN
12.9
11.5
11.2
(8.8, 14.2)
-0.3
(-4.3, 3.7)
MS
34.5
28.3
28.2
(24.8, 32.0)
-0.1
(-4.6, 4.4)
MO
21.2
23.8
17.3
(14.8, 20.3)
-6.4*
(-10.1, -2.7)
MT
17.9
11.7
14.4
(12.1, 17.1)
2.8
(-0.2, 5.8)
NE
20.1
17.9
15.0
(12.6, 17.8)
-2.8
(-6.3, 0.6)
NV
26.4
28.6
23.0
(19.8, 26.5)
-5.6*
(-10.4, -0.7)
NH
14.2
16.1
12.7
(10.3, 15.6)
-3.4
(-7.2, 0.5)
NJ
23.9
16.2
18.8
(16.2, 21.7)
2.6
(-0.8, 6.1)
NM
25.9
27.8
23.5
(20.4, 26.8)
-4.3
(-9.6, 0.9)
NY
23.3
25.4
19.1
(17.4, 21.0)
-6.3*
(-9.0, -3.6)
NC
21.9
21.6
17.2
(14.9, 19.7)
-4.4*
(-8.1, -0.7)
ND
17.2
16.3
13.2
(11.0, 15.8)
-3.2
(-9.0, 2.7)
OH
20.9
17.4
16.4
(14.2, 18.8)
-1.0
(-4.0, 2.1)
OK
24.0
27.3
18.3
(15.2, 21.8)
-9.1*
(-13.4, -4.8)
OR
18.3
20.4
19.8
(16.7, 23.2)
-0.7
(-5.7, 4.4)
89 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
D.5 T
ransaction AFS Use by State, 2013-2017
For all households
2013
(Percent)
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90%
Confidence
Interval,
Difference
PA
23.3
16.9
18.8
(16.6, 21.2)
2.0
(-1.3, 5.2)
RI
14.6
17.0
14.4
(11.2, 18.2)
-2.6
(-7.6, 2.3)
SC
27.2
24.7
17.9
(15.2, 21.0)
-6.8*
(-11.2, -2.4)
SD
16.5
17.5
15.8
(13.1, 19.1)
-1.7
(-9.3, 6.0)
TN
20.3
18.5
20.4
(18.1, 23.0)
1.9
(-2.3, 6.0)
TX
30.0
24.3
24.4
(23.0, 26.0)
0.1
(-2.5, 2.6)
UT
13.1
18.8
12.6
(9.9, 15.8)
-6.3*
(-10.7, -1.8)
VT
15.8
11.9
10.7
(8.5, 13.5)
-1.2
(-4.5, 2.1)
VA
20.5
19.1
18.9
(16.6, 21.6)
-0.2
(-4.1, 3.7)
WA
17.4
20.4
16.0
(12.8, 19.9)
-4.4*
(-8.7, -0.1)
WV
23.6
18.5
15.8
(13.5, 18.3)
-2.7
(-7.2, 1.7)
WI
11.9
12.8
10.3
(8.4, 12.6)
-2.5
(-5.7, 0.8)
WY
21.8
17.8
19.8
(16.8, 23.1)
1.9
(-2.7, 6.6)
Geography
* indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an
estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
90
D.6 C
redit AFS Use by State, 2013-2017
For all households
2013
(Percent)
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90%
Confidence
Interval,
Difference
7.0
7.7
6.9
(6.6, 7.2)
-0.8*
(-1.1, -0.4)
AL
11.9
10.4
11.0
(8.9, 13.4)
0.6
(-3.0, 4.1)
AK
6.3
10.5
9.6
(7.2, 12.7)
-0.9
(-5.1, 3.3)
AZ
9.4
6.2
6.8
(5.2, 8.9)
0.6
(-2.0, 3.3)
AR
11.2
10.3
9.5
(7.7, 11.5)
-0.8
(-3.5, 1.9)
CA
5.3
7.1
5.7
(4.9, 6.7)
-1.4*
(-2.6, -0.2)
CO
7.8
7.4
6.8
(4.9, 9.4)
-0.6
(-3.7, 2.4)
CT
3.2
3.8
5.1
(3.4, 7.7)
1.3
(-1.1, 3.8)
DE
5.9
4.1
5.3
(3.4, 8.4)
1.3
(-1.8, 4.4)
DC
3.8
6.1
4.4
(3.2, 6.1)
-1.7
(-3.7, 0.4)
FL
6.3
6.6
6.6
(5.5, 7.8)
-0.1
(-1.6, 1.5)
GA
8.3
10.4
6.8
(5.2, 8.7)
-3.6*
(-6.0, -1.2)
HI
5.4
4.4
5.9
(4.1, 8.4)
1.5
(-1.2, 4.2)
ID
8.5
10.7
7.0
(4.9, 9.8)
-3.7*
(-6.4, -1.0)
IL
5.3
4.7
7.4
(6.0, 9.0)
2.7*
(1.0, 4.5)
IN
6.6
8.0
8.3
(6.3, 11.0)
0.3
(-2.7, 3.4)
IA
5.7
9.9
6.2
(4.1, 9.2)
-3.7*
(-7.0, -0.4)
KS
8.1
8.3
8.2
(5.9, 11.3)
-0.1
(-3.6, 3.5)
KY
8.9
10.7
11.4
(9.5, 13.7)
0.8
(-3.7, 5.2)
LA
7.8
10.7
8.8
(6.8, 11.5)
-1.9
(-5.0, 1.2)
ME
7.9
6.5
7.3
(5.4, 9.8)
0.8
(-2.3, 3.9)
MD
4.0
7.3
7.0
(5.2, 9.4)
-0.2
(-3.7, 3.2)
MA
4.2
3.0
4.6
(3.3, 6.2)
1.6
(-0.3, 3.5)
MI
5.9
8.3
4.7
(3.4, 6.2)
-3.6*
(-6.6, -0.7)
MN
5.5
6.0
3.0
(1.9, 4.7)
-3.0*
(-5.0, -1.0)
MS
13.6
11.9
11.4
(9.1, 14.3)
-0.4
(-4.0, 3.1)
MO
8.7
8.6
6.6
(5.2, 8.4)
-1.9
(-4.7, 0.8)
MT
7.7
5.8
7.4
(6.1, 9.0)
1.6
(-0.4, 3.6)
NE
6.9
8.2
7.4
(5.4, 9.9)
-0.9
(-4.3, 2.6)
NV
8.8
10.0
10.4
(8.4, 13.0)
0.4
(-3.0, 3.8)
NH
3.5
5.3
3.7
(2.4, 5.6)
-1.6
(-3.8, 0.6)
NJ
3.8
4.0
4.9
(3.6, 6.6)
0.9
(-1.3, 3.0)
NM
10.3
10.7
9.9
(8.2, 11.9)
-0.8
(-3.2, 1.6)
NY
4.5
6.8
4.3
(3.4, 5.5)
-2.5*
(-4.0, -0.9)
NC
9.3
6.6
6.8
(5.5, 8.4)
0.3
(-1.9, 2.4)
ND
6.8
7.2
6.9
(5.3, 9.1)
-0.2
(-2.9, 2.5)
OH
8.7
7.7
9.1
(7.4, 11.1)
1.4
(-0.7, 3.5)
OK
13.1
13.7
10.8
(8.5, 13.7)
-2.8
(-6.3, 0.6)
OR
6.0
7.0
7.2
(5.3, 9.6)
0.1
(-3.1, 3.3)
Geography
All
State
91 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
D.6 C
redit AFS Use by State, 2013-2017
For all households
2013
(Percent)
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90%
Confidence
Interval,
Difference
PA
4.4
7.0
4.5
(3.3, 6.2)
-2.5*
(-4.5, -0.4)
RI
5.2
2.9
7.3
(5.2, 10.1)
4.4*
(1.5, 7.3)
SC
12.7
9.3
7.0
(5.3, 9.1)
-2.3
(-5.0, 0.3)
SD
7.8
10.6
6.2
(4.5, 8.5)
-4.3*
(-7.5, -1.2)
TN
8.9
11.3
11.3
(9.2, 13.8)
-0.1
(-3.1, 2.9)
TX
11.4
10.4
9.3
(8.2, 10.5)
-1.1
(-2.9, 0.8)
UT
4.8
8.7
5.9
(4.3, 7.9)
-2.8
(-5.6, 0.1)
VT
3.9
3.6
2.8
(1.8, 4.2)
-0.8
(-2.5, 0.9)
VA
6.5
5.4
6.8
(5.2, 8.9)
1.4
(-0.9, 3.8)
WA
5.7
7.5
6.0
(4.5, 7.9)
-1.5
(-4.5, 1.4)
WV
7.8
8.2
12.1
(8.6, 16.7)
3.9
(-0.2, 7.9)
WI
2.6
6.9
5.4
(3.9, 7.4)
-1.5
(-4.2, 1.1)
WY
10.1
7.9
8.8
(7.0, 11.0)
0.9
(-2.6, 4.4)
Geography
* indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an
estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
92
D.7 A
FS Use by MSA, 2013-2017
For all households
2013
(Percent)
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90%
Confidence
Interval,
Difference
24.9
24.0
22.1
(21.6, 22.5)
-1.9*
(-2.5, -1.3)
Albuquerque, NM
34.3
25.3
23.2
(19.0, 27.9)
-2.1
(-9.3, 5.1)
Atlanta-Sandy SpringsRoswell, GA~
34.0
32.8
33.8
(29.3, 38.7)
1.0
(-5.4, 7.4)
Austin-Round Rock, TX
17.9
18.6
23.6
(17.9, 30.6)
5.0
(-4.8, 14.9)
Baltimore-ColumbiaTowson, MD
28.5
25.3
20.7
(15.9, 26.6)
-4.6
(-11.7, 2.6)
Baton Rouge, LA
NA
31.4
21.3
(15.7, 28.3)
-10.1*
(-19.4, -0.8)
Billings, MT~
NA
18.0
16.4
(11.1, 23.5)
-1.6
(-10.0, 6.8)
Birmingham-Hoover, AL
27.9
25.3
18.9
(13.3, 26.2)
-6.4
(-15.9, 3.1)
Boise City, ID
21.5
18.3
16.6
(12.4, 21.9)
-1.7
(-8.8, 5.3)
Boston-CambridgeNewton, MA-NH~
19.1
21.0
21.3
(18.3, 24.6)
0.3
(-4.4, 4.9)
Burlington-South
Burlington, VT~
17.3
12.3
16.3
(11.2, 23.2)
4.0
(-3.4, 11.4)
Charlotte-ConcordGastonia, NC-SC~
33.0
30.0
12.9
(9.0, 18.3)
-17.1*
(-24.6, -9.5)
Chicago-Naperville-Elgin,
IL-IN-WI
18.5
18.7
17.6
(15.0, 20.4)
-1.1
(-4.9, 2.6)
Cincinnati, OH-KY-IN~
29.4
15.9
19.6
(15.3, 24.7)
3.7
(-2.9, 10.2)
Cleveland-Elyria, OH
23.0
15.5
20.6
(15.5, 26.9)
5.1
(-2.5, 12.8)
Columbus, OH~
31.7
27.7
21.4
(15.9, 28.2)
-6.2
(-14.6, 2.1)
Dallas-Fort Worth-Arlington,
TX~
33.4
35.7
29.2
(25.5, 33.2)
-6.5*
(-12.1, -0.9)
Denver-Aurora-Lakewood,
CO
21.5
18.1
18.5
(14.8, 22.9)
0.4
(-6.1, 7.0)
Detroit-Warren-Dearborn,
MI
22.1
22.7
18.3
(14.5, 22.9)
-4.4
(-9.7, 1.0)
Fargo, ND-MN
26.7
23.1
24.9
(19.0, 32.0)
1.8
(-7.5, 11.2)
Greenville-AndersonMauldin, SC~
NA
30.2
12.9
(8.3, 19.5)
-17.3*
(-26.1, -8.4)
Hartford-West HartfordEast Hartford, CT~
21.3
18.3
20.2
(15.0, 26.6)
1.8
(-6.2, 9.8)
Houston-The WoodlandsSugar Land, TX~
36.6
27.2
28.1
(24.5, 32.1)
0.9
(-4.5, 6.3)
Huntington-Ashland, WVKY-OH~
NA
NA
23.1
(16.6, 31.2)
NA
NA
Indianapolis-CarmelAnderson, IN~
24.1
25.3
22.1
(16.6, 28.7)
-3.2
(-11.7, 5.3)
Jackson, MS~
NA
31.5
28.8
(23.2, 35.3)
-2.7
(-11.6, 6.2)
Kansas City, MO-KS~
26.3
26.5
23.8
(19.1, 29.2)
-2.7
(-10.4, 5.1)
Knoxville, TN~
NA
NA
29.5
(23.2, 36.6)
NA
NA
Las Vegas-HendersonParadise, NV
29.8
35.6
26.0
(21.7, 30.9)
-9.5*
(-15.9, -3.1)
Little Rock-North Little
Rock-Conway, AR
30.7
34.1
26.2
(20.4, 33.0)
-7.9
(-16.4, 0.6)
Los Angeles-Long BeachAnaheim, CA
22.8
24.5
18.3
(15.6, 21.2)
-6.2*
(-10.2, -2.2)
Geography
All
MSA
93 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
D.7 A
FS Use by MSA, 2013-2017
For all households
Geography
2013
(Percent)
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90%
Confidence
Interval,
Difference
Louisville/Jefferson County,
KY-IN~
29.4
24.7
26.6
(20.1, 34.4)
2.0
(-8.3, 12.2)
Manchester-Nashua, NH~
NA
25.8
12.3
(8.6, 17.3)
-13.5*
(-20.8, -6.1)
Memphis, TN-MS-AR~
34.6
25.0
43.7
(36.0, 51.7)
18.7*
(8.9, 28.5)
Miami-Fort LauderdaleWest Palm Beach, FL
17.1
21.8
20.9
(17.2, 25.1)
-1.0
(-6.7, 4.8)
Milwaukee-Waukesha-West
Allis, WI
14.8
18.6
9.6
(5.7, 15.7)
-9.0*
(-16.0, -2.0)
Minneapolis-St. PaulBloomington, MN-WI~
14.8
15.9
12.0
(9.2, 15.6)
-3.9
(-8.9, 1.2)
Nashville-DavidsonMurfreesboro-Franklin, TN~
24.7
22.6
21.2
(16.7, 26.5)
-1.4
(-9.8, 7.0)
New Orleans-Metairie, LA~
26.6
27.3
24.5
(19.7, 30.1)
-2.7
(-9.9, 4.4)
New York-Newark-Jersey
City, NY-NJ-PA~
25.7
25.7
21.8
(19.8, 24.0)
-3.8*
(-6.7, -1.1)
Oklahoma City, OK
28.8
35.1
28.6
(22.6, 35.5)
-6.4
(-16.4, 3.5)
Omaha-Council Bluffs,
NE-IA
27.5
29.2
20.7
(16.7, 25.3)
-8.6*
(-16.1, -1.0)
Orlando-KissimmeeSanford, FL
30.4
25.7
24.0
(18.7, 30.3)
-1.7
(-10.3, 6.9)
Philadelphia-CamdenWilmington, PA-NJ-DE-MD
25.9
21.4
25.4
(21.8, 29.4)
4.0
(-1.3, 9.4)
Phoenix-Mesa-Scottsdale,
AZ
20.2
21.5
20.1
(16.8, 23.8)
-1.4
(-6.9, 4.1)
Pittsburgh, PA
26.4
27.9
18.0
(14.0, 23.0)
-9.9*
(-17.0, -2.7)
Portland-South Portland,
ME~
13.7
18.5
16.0
(11.5, 21.9)
-2.5
(-10.3, 5.4)
Portland-VancouverHillsboro, OR-WA
19.3
22.5
17.0
(13.5, 21.2)
-5.5
(-11.2, 0.2)
Providence-Warwick,
RI-MA~
17.8
18.5
18.5
(15.3, 22.2)
0.0
(-6.1, 6.1)
Riverside-San BernardinoOntario, CA
24.1
22.4
25.7
(21.2, 30.7)
3.2
(-3.8, 10.2)
Sacramento-RosevilleArden-Arcade, CA
27.6
18.5
20.3
(15.2, 26.5)
1.8
(-6.2, 9.8)
St. Louis, MO-IL~
21.4
20.1
21.4
(17.6, 25.7)
1.3
(-4.8, 7.2)
Salisbury, MD-DE~
NA
16.3
30.7
(19.6, 44.5)
14.4
(-1.1, 29.8)
Salt Lake City, UT~
16.4
21.9
20.3
(15.3, 26.3)
-1.6
(-9.6, 6.4)
San Antonio-New
Braunfels, TX
32.5
37.6
31.3
(26.2, 37.0)
-6.3
(-16.2, 3.7)
San Diego-Carlsbad, CA
20.9
22.3
21.5
(16.3, 27.7)
-0.8
(-8.0, 6.4)
San Francisco-OaklandHayward, CA
16.8
17.9
15.6
(11.5, 20.7)
-2.3
(-7.5, 2.9)
San Jose-Sunnyvale-Santa
Clara, CA
15.8
NA
15.1
(10.3, 21.7)
NA
NA
Seattle-Tacoma-Bellevue,
WA
17.7
20.0
18.8
(15.2, 23.1)
-1.2
(-7.1, 4.7)
Sioux Falls, SD
21.1
19.9
15.5
(11.7, 20.4)
-4.3
(-12.6, 4.0)
Tampa-St. PetersburgClearwater, FL
24.1
19.1
23.5
(18.9, 28.7)
4.4
(-2.0, 10.8)
94
D.7 A
FS Use by MSA, 2013-2017
For all households
2013
(Percent)
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90%
Confidence
Interval,
Difference
Tulsa, OK
29.2
35.8
25.7
(20.6, 31.6)
-10.1*
(-19.0, -1.1)
Urban Honolulu, HI
21.6
18.9
14.1
(10.8, 18.2)
-4.9
(-9.9, 0.2)
Virginia Beach-NorfolkNewport News, VA-NC~
34.9
29.9
28.4
(21.3, 36.7)
-1.5
(-12.8, 9.8)
Washington-ArlingtonAlexandria, DC-VA-MDWV~
22.2
23.5
23.0
(19.7, 26.7)
-0.5
(-4.7, 3.8)
Wichita, KS~
30.4
30.5
28.8
(22.2, 36.4)
-1.7
(-12.4, 9.0)
Worcester, MA-CT~
NA
NA
12.0
(8.3, 17.1)
NA
NA
Geography
~ indicates areas with geographic boundary changes between the 2013 and 2015 surveys. See Appendix 1 (FDIC Technical Notes) for details. * indicates
differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of
zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
95 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
D.8 Transaction AFS Use by MSA, 2013-2017
For all households
2013
(Percent)
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
21.9
20.2
18.3
(17.9, 18.7)
-1.8*
(-2.4, -1.3)
Albuquerque, NM
29.6
21.8
18.5
(14.9, 22.7)
-3.3
(-10.0, 3.5)
Atlanta-Sandy SpringsRoswell, GA~
31.2
30.7
31.2
(26.7, 36.2)
0.5
(-5.9, 7.0)
Geography
All
MSA
Austin-Round Rock, TX
17.9
17.2
17.0
(11.4, 24.5)
-0.2
(-9.8, 9.4)
Baltimore-ColumbiaTowson, MD
27.5
23.1
17.6
(13.0, 23.4)
-5.5
(-12.6, 1.6)
Baton Rouge, LA
NA
27.2
19.4
(13.8, 26.6)
-7.8
(-17.4, 1.7)
Billings, MT~
NA
16.3
7.1
(3.9, 12.6)
-9.2*
(-16.9, -1.6)
Birmingham-Hoover, AL
22.8
22.0
15.9
(10.8, 22.8)
-6.1
(-15.0, 2.7)
Boise City, ID
17.6
12.3
11.1
(7.8, 15.5)
-1.2
(-7.3, 4.9)
Boston-CambridgeNewton, MA-NH~
17.2
19.6
17.9
(15.2, 21.0)
-1.7
(-6.0, 2.7)
Burlington-South
Burlington, VT~
14.2
11.7
13.2
(8.3, 20.5)
1.5
(-5.9, 8.9)
Charlotte-ConcordGastonia, NC-SC~
27.4
26.6
11.7
(7.8, 17.1)
-14.9*
(-22.2, -7.6)
Chicago-Naperville-Elgin,
IL-IN-WI
17.1
17.1
14.7
(12.3, 17.4)
-2.4
(-5.9, 1.0)
Cincinnati, OH-KY-IN~
25.3
11.5
16.0
(11.9, 21.2)
4.5
(-1.6, 10.6)
Cleveland-Elyria, OH
18.1
15.5
18.5
(13.5, 24.7)
3.0
(-4.5, 10.4)
Columbus, OH~
27.2
22.9
15.8
(11.0, 22.2)
-7.1
(-15.1, 0.9)
Dallas-Fort Worth-Arlington,
TX~
29.1
30.6
24.6
(21.0, 28.5)
-6.0*
(-11.4, -0.6)
Denver-Aurora-Lakewood,
CO
17.7
14.0
14.5
(10.8, 19.1)
0.5
(-5.4, 6.4)
Detroit-Warren-Dearborn,
MI
20.3
20.0
16.4
(12.8, 20.7)
-3.6
(-8.5, 1.3)
Fargo, ND-MN
18.4
16.6
15.2
(10.6, 21.3)
-1.4
(-9.4, 6.6)
Greenville-AndersonMauldin, SC~
NA
21.4
8.6
(4.8, 15.1)
-12.8*
(-21.3, -4.4)
Hartford-West HartfordEast Hartford, CT~
19.4
17.4
19.1
(14.4, 24.9)
1.6
(-5.8, 9.1)
Houston-The WoodlandsSugar Land, TX~
33.4
24.2
24.3
(21.0, 27.9)
0.1
(-5.2, 5.4)
Huntington-Ashland, WVKY-OH~
NA
NA
17.7
(11.6, 26.1)
NA
NA
Indianapolis-CarmelAnderson, IN~
21.7
22.7
19.8
(14.7, 26.0)
-2.9
(-11.2, 5.3)
Jackson, MS~
NA
28.2
26.8
(20.9, 33.7)
-1.4
(-10.6, 7.9)
Kansas City, MO-KS~
23.7
21.4
18.2
(14.1, 23.2)
-3.2
(-10.2, 3.8)
Knoxville, TN~
NA
NA
25.9
(20.0, 33.0)
NA
NA
Las Vegas-HendersonParadise, NV
26.9
31.7
20.9
(17.1, 25.3)
-10.8*
(-16.6, -5.1)
Little Rock-North Little
Rock-Conway, AR
27.4
28.4
22.9
(17.5, 29.5)
-5.4
(-13.8, 2.9)
Los Angeles-Long BeachAnaheim, CA
20.3
20.9
15.4
(13.1, 18.1)
-5.4*
(-9.1, -1.8)
96
D.8 Transaction AFS Use by MSA, 2013-2017
For all households
Geography
2013
(Percent)
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
Louisville/Jefferson County,
KY-IN~
24.1
19.7
17.7
(12.6, 24.3)
-2.0
(-10.9, 6.9)
Manchester-Nashua, NH~
NA
18.0
10.4
(6.9, 15.6)
-7.5*
(-14.2, -0.8)
Memphis, TN-MS-AR~
32.0
18.2
37.1
(29.0, 46.1)
19.0*
(9.2, 28.8)
Miami-Fort LauderdaleWest Palm Beach, FL
15.5
19.8
18.4
(14.7, 22.7)
-1.4
(-7.0, 4.3)
Milwaukee-Waukesha-West
Allis, WI
14.0
15.9
8.4
(4.7, 14.6)
-7.6*
(-14.3, -0.9)
Minneapolis-St. PaulBloomington, MN-WI~
12.5
13.0
9.3
(6.7, 12.7)
-3.7
(-8.1, 0.8)
Nashville-DavidsonMurfreesboro-Franklin, TN~
20.2
17.1
16.2
(12.5, 20.8)
-0.9
(-8.6, 6.9)
New Orleans-Metairie, LA~
23.3
24.1
21.1
(16.4, 26.8)
-3.0
(-10.0, 4.1)
New York-Newark-Jersey
City, NY-NJ-PA~
24.6
23.3
19.7
(17.7, 21.8)
-3.6*
(-6.3, -0.9)
Oklahoma City, OK
23.5
30.6
20.9
(15.5, 27.6)
-9.7*
(-18.3, -1.0)
Omaha-Council Bluffs,
NE-IA
24.5
22.8
15.9
(12.5, 20.0)
-6.9*
(-13.3, -0.4)
Orlando-KissimmeeSanford, FL
27.9
22.6
19.8
(14.9, 25.9)
-2.8
(-11.0, 5.4)
Philadelphia-CamdenWilmington, PA-NJ-DE-MD
24.6
18.1
21.6
(18.3, 25.3)
3.5
(-1.6, 8.6)
Phoenix-Mesa-Scottsdale,
AZ
18.3
19.2
16.3
(13.1, 19.9)
-3.0
(-8.5, 2.6)
Pittsburgh, PA
24.3
20.9
16.1
(12.0, 21.3)
-4.8
(-11.7, 2.2)
Portland-South Portland,
ME~
9.3
14.1
12.2
(8.2, 17.9)
-1.9
(-8.7, 4.9)
Portland-VancouverHillsboro, OR-WA
16.8
19.6
14.6
(11.5, 18.2)
-5.0
(-10.3, 0.2)
Providence-Warwick,
RI-MA~
16.2
16.8
14.8
(11.9, 18.4)
-2.0
(-7.9, 4.0)
Riverside-San BernardinoOntario, CA
22.3
19.6
22.6
(18.2, 27.7)
3.0
(-3.8, 9.8)
Sacramento-RosevilleArden-Arcade, CA
20.5
13.6
15.5
(11.0, 21.4)
1.9
(-5.4, 9.3)
St. Louis, MO-IL~
18.9
18.6
18.8
(15.2, 23.0)
0.2
(-5.7, 6.1)
Salisbury, MD-DE~
NA
15.3
18.8
(9.7, 33.4)
3.5
(-11.4, 18.4)
Salt Lake City, UT~
13.1
18.5
16.6
(12.1, 22.3)
-1.9
(-9.6, 5.7)
San Antonio-New
Braunfels, TX
26.5
31.2
25.5
(20.8, 30.9)
-5.7
(-14.9, 3.5)
San Diego-Carlsbad, CA
19.1
18.7
19.2
(14.8, 24.7)
0.5
(-6.2, 7.2)
San Francisco-OaklandHayward, CA
15.7
10.7
13.0
(9.3, 17.9)
2.3
(-2.4, 7.0)
San Jose-Sunnyvale-Santa
Clara, CA
15.8
NA
12.3
(8.1, 18.1)
NA
NA
Seattle-Tacoma-Bellevue,
WA
16.7
16.3
16.0
(12.7, 20.0)
-0.3
(-5.8, 5.2)
Sioux Falls, SD
12.7
13.3
13.6
(10.0, 18.2)
0.3
(-7.0, 7.5)
Tampa-St. PetersburgClearwater, FL
20.3
16.2
20.4
(15.9, 25.8)
4.2
(-1.8, 10.3)
97 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
D.8 Transaction AFS Use by MSA, 2013-2017
For all households
2013
(Percent)
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
Tulsa, OK
23.1
28.8
18.1
(12.9, 24.8)
-10.8*
(-19.6, -1.9)
Urban Honolulu, HI
18.6
15.9
11.5
(8.6, 15.2)
-4.4
(-9.1, 0.2)
Virginia Beach-NorfolkNewport News, VA-NC~
31.7
27.4
24.0
(17.7, 31.5)
-3.5
(-13.3, 6.4)
Washington-ArlingtonAlexandria, DC-VA-MDWV~
20.8
19.8
18.8
(15.9, 22.2)
-1.0
(-5.0, 3.0)
Wichita, KS~
29.6
23.9
19.8
(14.4, 26.7)
-4.1
(-13.6, 5.5)
Worcester, MA-CT~
NA
NA
12.0
(8.3, 17.1)
NA
NA
Geography
~ indicates areas with geographic boundary changes between the 2013 and 2015 surveys. See Appendix 1 (FDIC Technical Notes) for details. * indicates
differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of
zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
98
D.9 Credit AFS Use by MSA, 2013-2017
For all households
2013
(Percent)
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
7.0
7.7
6.9
(6.6, 7.2)
-0.8*
(-1.1, -0.4)
Albuquerque, NM
12.7
9.8
7.2
(5.1, 10.1)
-2.6
(-6.6, 1.3)
Atlanta-Sandy SpringsRoswell, GA~
8.6
7.9
4.8
(3.4, 6.8)
-3.1*
(-6.0, -0.2)
Austin-Round Rock, TX
2.4
4.8
9.6
(6.4, 14.2)
4.8
(-0.5, 10.2)
Baltimore-ColumbiaTowson, MD
4.1
5.4
6.5
(4.0, 10.3)
1.1
(-3.6, 5.7)
Baton Rouge, LA
NA
6.1
3.3
(1.5, 7.2)
-2.8
(-7.2, 1.5)
Billings, MT~
NA
5.1
11.3
(6.7, 18.2)
6.2
(-0.3, 12.7)
Birmingham-Hoover, AL
8.9
10.4
6.8
(3.7, 12.2)
-3.6
(-9.2, 2.0)
Boise City, ID
7.2
8.0
7.3
(4.5, 11.8)
-0.7
(-5.7, 4.2)
Boston-CambridgeNewton, MA-NH~
4.2
2.0
5.8
(4.1, 8.0)
3.8*
(1.6, 6.0)
Burlington-South
Burlington, VT~
4.3
1.2
6.4
(3.5, 11.5)
5.2*
(1.1, 9.2)
Charlotte-ConcordGastonia, NC-SC~
11.8
11.1
4.1
(2.4, 7.2)
-7.0*
(-11.2, -2.7)
Chicago-Naperville-Elgin,
IL-IN-WI
3.8
4.3
5.7
(4.3, 7.5)
1.4
(-0.7, 3.6)
Cincinnati, OH-KY-IN~
6.8
6.8
8.2
(5.3, 12.5)
1.4
(-3.3, 6.1)
Cleveland-Elyria, OH
7.6
5.2
3.6
(1.9, 6.9)
-1.6
(-5.4, 2.2)
Columbus, OH~
10.9
8.8
8.6
(5.1, 14.2)
-0.2
(-5.7, 5.4)
Dallas-Fort Worth-Arlington,
TX~
10.1
11.0
8.2
(6.3, 10.6)
-2.8
(-6.2, 0.6)
Denver-Aurora-Lakewood,
CO
7.9
5.8
8.0
(5.4, 11.9)
2.2
(-2.6, 7.0)
Detroit-Warren-Dearborn,
MI
5.1
7.2
3.8
(2.3, 6.0)
-3.4*
(-6.7, 0.0)
Fargo, ND-MN
10.7
7.6
10.5
(6.7, 16.1)
2.9
(-3.1, 8.8)
Greenville-AndersonMauldin, SC~
NA
14.5
4.3
(2.1, 8.5)
-10.3*
(-17.4, -3.1)
Hartford-West HartfordEast Hartford, CT~
3.8
2.7
3.2
(1.4, 7.4)
0.5
(-3.0, 4.0)
Houston-The WoodlandsSugar Land, TX~
12.4
7.7
8.6
(6.4, 11.4)
0.9
(-2.1, 3.9)
Huntington-Ashland, WVKY-OH~
NA
NA
11.9
(7.1, 19.3)
NA
NA
Indianapolis-CarmelAnderson, IN~
9.8
9.4
4.9
(2.4, 9.7)
-4.5
(-10.2, 1.2)
Jackson, MS~
NA
9.6
5.4
(3.2, 9.0)
-4.2
(-9.1, 0.8)
Kansas City, MO-KS~
6.0
8.5
9.2
(6.0, 13.8)
0.6
(-4.5, 5.8)
Knoxville, TN~
NA
NA
9.6
(5.8, 15.3)
NA
NA
Las Vegas-HendersonParadise, NV
7.7
10.4
8.5
(6.0, 11.8)
-1.9
(-5.6, 1.8)
Little Rock-North Little
Rock-Conway, AR
12.6
13.3
10.8
(7.6, 15.3)
-2.5
(-8.3, 3.4)
Los Angeles-Long BeachAnaheim, CA
5.0
6.7
4.8
(3.6, 6.5)
-1.9
(-3.9, 0.1)
Geography
All
MSA
99 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
D.9 Credit AFS Use by MSA, 2013-2017
For all households
Geography
2013
(Percent)
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
Louisville/Jefferson County,
KY-IN~
7.4
11.1
14.7
(10.2, 20.6)
3.6
(-3.2, 10.4)
Manchester-Nashua, NH~
NA
11.4
2.6
(1.1, 6.4)
-8.8*
(-13.8, -3.8)
Memphis, TN-MS-AR~
9.0
10.3
17.2
(11.8, 24.5)
6.9
(-1.0, 14.8)
Miami-Fort LauderdaleWest Palm Beach, FL
3.5
5.2
4.5
(3.1, 6.4)
-0.8
(-3.2, 1.6)
Milwaukee-Waukesha-West
Allis, WI
1.2
5.7
2.0
(0.7, 5.5)
-3.7
(-7.8, 0.4)
Minneapolis-St. PaulBloomington, MN-WI~
5.6
4.6
3.8
(2.4, 6.1)
-0.7
(-3.2, 1.7)
Nashville-DavidsonMurfreesboro-Franklin, TN~
8.9
10.9
7.7
(4.7, 12.2)
-3.2
(-9.3, 2.8)
New Orleans-Metairie, LA~
5.8
8.2
7.8
(5.2, 11.6)
-0.4
(-5.0, 4.2)
New York-Newark-Jersey
City, NY-NJ-PA~
3.6
5.4
3.9
(3.1, 5.0)
-1.5*
(-2.9, -0.1)
Oklahoma City, OK
11.8
14.0
11.0
(7.0, 16.8)
-3.0
(-9.6, 3.6)
Omaha-Council Bluffs,
NE-IA
7.0
8.6
6.8
(4.4, 10.5)
-1.7
(-6.9, 3.5)
Orlando-KissimmeeSanford, FL
6.5
8.4
10.0
(6.7, 14.5)
1.6
(-4.1, 7.3)
Philadelphia-CamdenWilmington, PA-NJ-DE-MD
3.5
4.9
6.0
(4.0, 9.0)
1.2
(-1.6, 4.0)
Phoenix-Mesa-Scottsdale,
AZ
5.7
4.9
6.1
(4.1, 9.0)
1.2
(-1.5, 3.8)
Pittsburgh, PA
4.2
9.6
3.8
(2.0, 6.8)
-5.9*
(-10.7, -1.1)
Portland-South Portland,
ME~
6.3
5.9
5.1
(2.4, 10.7)
-0.7
(-5.8, 4.3)
Portland-VancouverHillsboro, OR-WA
5.2
6.6
4.2
(2.7, 6.7)
-2.4
(-5.5, 0.6)
Providence-Warwick,
RI-MA~
4.1
4.7
5.8
(4.1, 8.1)
1.1
(-2.3, 4.6)
Riverside-San BernardinoOntario, CA
6.2
6.3
6.1
(4.0, 9.2)
-0.1
(-3.9, 3.6)
Sacramento-RosevilleArden-Arcade, CA
10.4
9.8
8.7
(5.4, 13.7)
-1.1
(-6.8, 4.6)
St. Louis, MO-IL~
6.7
6.8
5.3
(3.5, 7.9)
-1.5
(-4.8, 1.8)
Salisbury, MD-DE~
NA
1.6
13.6
(7.5, 23.4)
12.0*
(4.4, 19.6)
Salt Lake City, UT~
4.9
6.7
5.7
(3.4, 9.6)
-0.9
(-5.0, 3.1)
San Antonio-New
Braunfels, TX
14.1
16.5
9.8
(6.7, 14.2)
-6.6
(-13.3, 0.0)
San Diego-Carlsbad, CA
5.2
7.2
3.6
(1.8, 7.1)
-3.6
(-7.3, 0.1)
San Francisco-OaklandHayward, CA
2.1
8.5
4.5
(2.7, 7.4)
-4.0*
(-7.3, -0.7)
San Jose-Sunnyvale-Santa
Clara, CA
1.8
NA
6.9
(3.7, 12.3)
NA
NA
Seattle-Tacoma-Bellevue,
WA
3.2
6.6
5.5
(3.6, 8.2)
-1.1
(-4.4, 2.2)
Sioux Falls, SD
10.8
8.5
4.6
(2.6, 8.0)
-3.9
(-9.3, 1.6)
Tampa-St. PetersburgClearwater, FL
9.6
7.4
5.9
(3.8, 9.1)
-1.5
(-5.2, 2.3)
100
D.9 Credit AFS Use by MSA, 2013-2017
For all households
2013
(Percent)
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
Tulsa, OK
11.7
13.2
8.5
(5.6, 12.8)
-4.7
(-11.0, 1.7)
Urban Honolulu, HI
5.3
5.0
5.4
(3.2, 8.9)
0.4
(-3.0, 3.8)
Virginia Beach-NorfolkNewport News, VA-NC~
12.3
4.2
6.9
(4.0, 11.7)
2.8
(-2.2, 7.7)
Washington-ArlingtonAlexandria, DC-VA-MDWV~
2.9
5.4
7.7
(5.8, 10.2)
2.3
(-0.6, 5.1)
Wichita, KS~
9.6
16.4
10.2
(6.1, 16.5)
-6.2
(-14.7, 2.4)
Worcester, MA-CT~
NA
NA
0.8
(0.1, 6.0)
NA
NA
Geography
~ indicates areas with geographic boundary changes between the 2013 and 2015 surveys. See Appendix 1 (FDIC Technical Notes) for details. * indicates
differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of
zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
101 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
E.1 R
ates of Saving for Unexpected Expenses or Emergencies by Banking Status and Household
Characteristics, 2015-2017
For all households
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
56.3
57.8
(57.2, 58.4)
1.4*
(0.6, 2.2)
Unbanked
20.2
17.4
(15.7, 19.3)
-2.8*
(-5.5, 0.0)
Banked: Underbanked
55.2
56.3
(55.1, 57.5)
1.1
(-0.5, 2.6)
Banked: Fully banked
60.0
61.6
(61.0, 62.3)
1.6*
(0.7, 2.5)
Banked: Underbanked status unknown
57.8
55.5
(48.4, 62.5)
-2.3
(-12.6, 8.1)
Less than $15,000
30.8
28.9
(27.4, 30.4)
-1.9
(-3.9, 0.1)
$15,000 to $30,000
42.2
41.0
(39.6, 42.3)
-1.2
(-3.1, 0.7)
$30,000 to $50,000
53.2
54.7
(53.5, 55.9)
1.4
(-0.3, 3.2)
$50,000 to $75,000
63.6
63.7
(62.5, 64.9)
0.1
(-1.6, 1.8)
At least $75,000
72.9
73.8
(73.0, 74.7)
1.0
(-0.2, 2.1)
No high school diploma
30.1
31.7
(30.0, 33.4)
1.6
(-1.0, 4.1)
High school diploma
47.2
48.6
(47.5, 49.7)
1.4
(0.0, 2.8)
Some college
58.9
59.1
(58.0, 60.1)
0.2
(-1.2, 1.6)
College degree
69.4
70.0
(69.2, 70.9)
0.6
(-0.6, 1.8)
15 to 24 years
55.7
60.1
(57.6, 62.5)
4.4*
(1.0, 7.8)
25 to 34 years
60.7
63.9
(62.5, 65.2)
3.1*
(1.0, 5.2)
35 to 44 years
58.8
61.2
(60.0, 62.4)
2.4*
(0.8, 4.0)
45 to 54 years
58.2
59.3
(58.0, 60.6)
1.1
(-0.5, 2.7)
55 to 64 years
56.4
56.8
(55.6, 58.0)
0.4
(-1.3, 2.1)
65 years or more
50.1
50.6
(49.5, 51.6)
0.5
(-1.1, 2.1)
Black
45.6
45.7
(43.8, 47.5)
0.1
(-2.3, 2.5)
Hispanic
42.5
48.2
(46.5, 49.9)
5.7*
(3.3, 8.1)
Asian
52.9
55.2
(52.7, 57.6)
2.3
(-1.7, 6.3)
White
61.3
62.4
(61.7, 63.0)
1.1*
(0.1, 2.0)
Other
56.2
53.1
(48.6, 57.5)
-3.1
(-9.1, 2.9)
Disabled, age 25 to 64
39.0
38.5
(36.7, 40.3)
-0.5
(-2.9, 1.9)
Not disabled, age 25 to 64
61.3
63.2
(62.5, 63.9)
1.9*
(1.0, 2.9)
Not applicable (not age 25 to 64)
51.1
52.2
(51.2, 53.2)
1.1
(-0.3, 2.5)
Income was about the same each
month
56.3
56.9
(56.2, 57.6)
0.7
(-0.3, 1.6)
Income varied somewhat from month
to month
58.3
63.0
(61.8, 64.3)
4.7*
(2.8, 6.6)
Income varied a lot from month to
month
51.3
52.5
(50.1, 55.0)
1.2
(-2.1, 4.5)
Unknown
42.2
42.9
(35.8, 50.3)
0.7
(-11.3, 12.6)
Characteristics
All
Unbanked and underbanked
Family income
Education
Age group
Race/Ethnicity
Disability status
Monthly income volatility
102 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
E.1 R
ates of Saving for Unexpected Expenses or Emergencies by Banking Status and Household
Characteristics, 2015-2017
For all households
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
Employed
63.1
64.8
(64.1, 65.6)
1.7*
(0.7, 2.7)
Unemployed
44.5
46.0
(42.7, 49.4)
1.5
(-3.1, 6.1)
Not in labor force
45.6
46.3
(45.5, 47.2)
0.7
(-0.4, 1.9)
Homeowner
61.5
63.3
(62.6, 64.0)
1.8*
(0.8, 2.8)
Non-homeowner
47.3
48.1
(47.1, 49.0)
0.8
(-0.6, 2.1)
Married couple
63.1
64.6
(63.8, 65.4)
1.4*
(0.4, 2.5)
Unmarried female-headed family
46.2
47.0
(45.4, 48.7)
0.8
(-1.4, 3.0)
Unmarried male-headed family
50.6
53.6
(51.1, 56.1)
3.0
(-0.4, 6.4)
Female individual
51.1
51.9
(50.6, 53.2)
0.8
(-1.0, 2.6)
Male individual
52.1
53.7
(52.3, 55.1)
1.7
(-0.2, 3.5)
Other
NA
NA
NA
NA
NA
U.S.-born
58.4
59.7
(59.1, 60.3)
1.3*
(0.5, 2.1)
Foreign-born citizen
47.9
48.6
(46.4, 50.8)
0.7
(-2.3, 3.7)
Foreign-born non-citizen
39.9
42.9
(40.9, 45.0)
3.0
(-0.1, 6.0)
Spanish is not only language spoken
57.0
58.8
(58.2, 59.4)
1.8*
(1.0, 2.6)
Spanish is only language spoken
25.8
31.3
(28.5, 34.1)
5.5*
(1.2, 9.8)
Metropolitan area - principal city
55.1
55.7
(54.5, 56.9)
0.6
(-0.9, 2.1)
Metropolitan area - balance
58.4
60.5
(59.6, 61.3)
2.1*
(0.9, 3.3)
Not in metropolitan area
52.5
52.5
(50.6, 54.5)
0.1
(-2.4, 2.5)
Not identified
56.5
59.0
(57.0, 61.0)
2.5
(-0.1, 5.1)
Northeast
56.2
55.8
(54.5, 57.2)
-0.3
(-2.3, 1.6)
Midwest
61.1
60.9
(59.8, 62.1)
-0.1
(-1.9, 1.6)
South
52.1
55.3
(54.2, 56.5)
3.3*
(1.7, 4.8)
West
59.1
60.4
(59.1, 61.6)
1.3
(-0.3, 2.8)
Characteristics
Employment status
Homeownership
Household type
Nativity
Spanish only language spoken
Metropolitan status
Geographic region
Excludes households with missing information on whether the household saved for unexpected expenses or emergencies. * indicates differences that are
statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The
population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
103 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
E.2 Rates of Saving for Unexpected Expenses or Emergencies by State, 2015-2017
For all households
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
56.3
57.8
(57.2, 58.4)
1.4*
(0.6, 2.2)
AL
52.7
51.9
(47.5, 56.3)
-0.8
(-5.3, 3.8)
AK
60.8
71.1
(67.0, 74.8)
10.2*
(4.5, 16.0)
AZ
64.3
62.3
(57.9, 66.6)
-1.9
(-7.9, 4.0)
AR
50.4
50.8
(44.0, 57.6)
0.5
(-8.9, 9.8)
CA
54.0
55.7
(53.6, 57.7)
1.7
(-0.9, 4.2)
CO
70.3
68.4
(62.0, 74.2)
-1.9
(-9.6, 5.8)
CT
62.2
63.5
(58.6, 68.1)
1.3
(-5.4, 8.0)
DE
53.3
64.4
(59.6, 68.9)
11.1*
(5.0, 17.2)
DC
53.2
67.0
(63.8, 70.1)
13.8*
(8.9, 18.8)
FL
42.7
51.3
(48.6, 54.0)
8.6*
(5.0, 12.3)
GA
50.2
52.2
(47.7, 56.7)
2.0
(-3.2, 7.2)
HI
59.0
58.8
(53.6, 63.9)
-0.2
(-7.2, 6.8)
ID
52.6
57.4
(52.2, 62.5)
4.8
(-0.6, 10.2)
IL
64.0
59.9
(56.6, 63.0)
-4.1*
(-8.1, -0.2)
IN
59.6
62.1
(58.1, 66.0)
2.5
(-2.7, 7.6)
IA
61.4
66.2
(62.5, 69.7)
4.8
(-1.9, 11.4)
KS
58.1
59.8
(53.1, 66.2)
1.8
(-7.5, 11.0)
KY
56.2
50.7
(47.0, 54.5)
-5.5
(-11.8, 0.8)
LA
50.6
50.5
(45.9, 55.2)
0.0
(-4.9, 4.8)
ME
68.7
60.0
(54.1, 65.6)
-8.7*
(-15.1, -2.2)
MD
59.1
67.7
(62.5, 72.5)
8.6*
(2.2, 15.0)
MA
57.2
56.7
(53.3, 60.1)
-0.4
(-5.5, 4.7)
MI
56.3
57.5
(53.3, 61.6)
1.2
(-5.3, 7.7)
MN
64.9
66.2
(62.9, 69.4)
1.3
(-3.4, 6.0)
MS
50.6
46.9
(43.9, 49.8)
-3.7
(-8.2, 0.7)
MO
64.3
61.1
(57.3, 64.9)
-3.2
(-8.9, 2.5)
MT
69.3
68.5
(65.3, 71.6)
-0.8
(-6.0, 4.4)
NE
55.6
68.8
(63.8, 73.4)
13.2*
(5.7, 20.6)
NV
54.8
58.9
(54.2, 63.3)
4.0
(-2.7, 10.7)
NH
60.3
58.1
(54.5, 61.6)
-2.2
(-8.0, 3.6)
NJ
53.2
54.2
(50.8, 57.7)
1.1
(-3.8, 5.9)
NM
49.9
55.1
(50.4, 59.7)
5.2
(-1.2, 11.6)
NY
51.8
51.4
(48.7, 54.1)
-0.3
(-4.0, 3.4)
NC
53.3
59.0
(53.0, 64.8)
5.7
(-0.4, 11.7)
ND
67.1
55.6
(46.6, 64.3)
-11.5
(-23.9, 1.0)
OH
58.9
59.2
(56.4, 61.9)
0.3
(-3.5, 4.1)
OK
52.7
60.0
(55.2, 64.6)
7.3*
(1.0, 13.7)
Geography
All
State
104
E.2 Rates of Saving for Unexpected Expenses or Emergencies by State, 2015-2017
For all households
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
OR
65.7
69.4
(65.5, 73.1)
3.8
(-1.9, 9.5)
PA
60.1
60.2
(57.2, 63.1)
0.1
(-4.0, 4.2)
RI
59.0
55.1
(50.2, 60.0)
-3.8
(-10.4, 2.8)
SC
60.8
57.8
(52.6, 62.9)
-3.0
(-10.7, 4.8)
SD
63.6
59.9
(55.7, 64.0)
-3.6
(-9.1, 1.8)
TN
56.3
56.1
(52.1, 60.1)
-0.2
(-4.9, 4.5)
TX
53.0
55.4
(52.6, 58.1)
2.4
(-1.0, 5.7)
UT
71.3
74.1
(69.6, 78.1)
2.8
(-2.7, 8.3)
VT
61.9
59.8
(55.7, 63.8)
-2.1
(-7.7, 3.5)
VA
59.4
65.5
(62.0, 68.9)
6.1*
(1.0, 11.3)
WA
65.9
66.3
(63.1, 69.3)
0.4
(-3.9, 4.7)
WV
45.8
40.5
(37.1, 43.9)
-5.3
(-11.1, 0.4)
WI
63.2
61.4
(57.7, 65.0)
-1.8
(-7.2, 3.5)
WY
63.9
63.3
(59.4, 67.0)
-0.6
(-7.8, 6.6)
Geography
Excludes households with missing information on whether the household saved for unexpected expenses or emergencies. * indicates differences that are
statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The
population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
105 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
E.3 Rates of Saving for Unexpected Expenses or Emergencies by MSA, 2015-2017
For all households
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
56.3
57.8
(57.2, 58.4)
1.4*
(0.6, 2.2)
Albuquerque, NM
57.5
61.0
(55.9, 65.9)
3.5
(-3.1, 10.2)
Atlanta-Sandy Springs-Roswell, GA~
52.4
57.1
(51.9, 62.1)
4.7
(-1.9, 11.3)
Austin-Round Rock, TX
46.1
62.4
(54.7, 69.4)
16.2*
(5.3, 27.1)
Baltimore-Columbia-Towson, MD
66.0
70.4
(63.6, 76.4)
4.4
(-3.8, 12.7)
Baton Rouge, LA
62.6
59.2
(51.3, 66.6)
-3.4
(-14.4, 7.6)
Billings, MT~
72.2
75.1
(68.0, 81.2)
2.9
(-8.3, 14.2)
Birmingham-Hoover, AL
61.0
40.1
(32.0, 48.8)
-20.9*
(-32.0, -9.8)
Boise City, ID
55.7
57.6
(50.9, 64.1)
2.0
(-6.7, 10.6)
Boston-Cambridge-Newton, MA-NH~
60.4
58.8
(54.7, 62.8)
-1.6
(-7.3, 4.1)
Burlington-South Burlington, VT~
65.2
NA
NA
NA
NA
Charlotte-Concord-Gastonia, NC-SC~
55.0
64.6
(58.5, 70.2)
9.5*
(0.8, 18.2)
Chicago-Naperville-Elgin, IL-IN-WI
63.8
59.8
(56.3, 63.3)
-4.0
(-8.6, 0.6)
Cincinnati, OH-KY-IN~
50.5
52.7
(45.8, 59.5)
2.3
(-8.7, 13.2)
Cleveland-Elyria, OH
51.9
62.3
(56.4, 67.8)
10.4*
(1.8, 18.9)
Columbus, OH~
69.1
64.0
(56.4, 71.0)
-5.1
(-14.6, 4.5)
Dallas-Fort Worth-Arlington, TX~
63.0
59.5
(55.1, 63.7)
-3.6
(-9.6, 2.5)
Denver-Aurora-Lakewood, CO
68.8
63.0
(56.2, 69.2)
-5.9
(-14.5, 2.8)
Detroit-Warren-Dearborn, MI
64.3
56.1
(50.0, 61.9)
-8.2*
(-16.3, -0.2)
Fargo, ND-MN
72.6
60.6
(52.3, 68.2)
-12.1*
(-22.5, -1.7)
Greenville-Anderson-Mauldin, SC~
62.8
60.9
(52.1, 69.1)
-1.9
(-14.4, 10.5)
Hartford-West Hartford-East Hartford,
CT~
67.0
66.5
(58.7, 73.5)
-0.5
(-11.6, 10.6)
Houston-The Woodlands-Sugar Land,
TX~
53.5
59.1
(54.3, 63.8)
5.6
(-1.4, 12.6)
Huntington-Ashland, WV-KY-OH~
NA
NA
NA
NA
NA
Indianapolis-Carmel-Anderson, IN~
56.6
63.0
(56.7, 68.9)
6.5
(-3.3, 16.2)
Jackson, MS~
58.9
42.3
(36.0, 48.8)
-16.6*
(-25.9, -7.2)
Kansas City, MO-KS~
57.8
73.6
(67.2, 79.2)
15.8*
(6.9, 24.8)
Knoxville, TN~
NA
55.1
(46.7, 63.2)
NA
NA
Las Vegas-Henderson-Paradise, NV
57.4
58.3
(53.1, 63.4)
1.0
(-6.5, 8.4)
Little Rock-North Little Rock-Conway,
AR
52.3
59.1
(50.9, 66.9)
6.8
(-3.5, 17.1)
Los Angeles-Long Beach-Anaheim, CA
49.6
51.7
(48.6, 54.8)
2.2
(-2.5, 6.9)
Louisville/Jefferson County, KY-IN~
55.5
63.3
(55.2, 70.7)
7.8
(-3.0, 18.6)
Manchester-Nashua, NH~
68.2
58.8
(52.3, 65.1)
-9.3
(-18.7, 0.1)
Memphis, TN-MS-AR~
53.7
46.0
(37.7, 54.6)
-7.7
(-19.0, 3.6)
Miami-Fort Lauderdale-West Palm
Beach, FL
37.8
35.8
(31.0, 41.0)
-2.0
(-8.3, 4.3)
Milwaukee-Waukesha-West Allis, WI
61.3
64.3
(54.9, 72.8)
3.0
(-9.2, 15.2)
Minneapolis-St. Paul-Bloomington,
MN-WI~
68.1
66.8
(62.3, 71.0)
-1.3
(-7.3, 4.6)
Geography
All
MSA
106
E.3 Rates of Saving for Unexpected Expenses or Emergencies by MSA, 2015-2017
For all households
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
Nashville-Davidson-MurfreesboroFranklin, TN~
71.1
68.1
(60.7, 74.7)
-3.1
(-12.6, 6.4)
New Orleans-Metairie, LA~
43.8
49.6
(42.6, 56.6)
5.8
(-3.7, 15.4)
New York-Newark-Jersey City, NYNJ-PA~
49.5
48.0
(45.2, 50.8)
-1.5
(-5.2, 2.2)
Oklahoma City, OK
51.7
70.4
(61.7, 77.8)
18.7*
(7.7, 29.7)
Omaha-Council Bluffs, NE-IA
63.2
71.2
(63.9, 77.6)
8.0
(-2.3, 18.3)
Orlando-Kissimmee-Sanford, FL
44.3
67.0
(60.0, 73.3)
22.6*
(13.6, 31.6)
Philadelphia-Camden-Wilmington,
PA-NJ-DE-MD
57.7
62.9
(58.8, 66.8)
5.2
(-0.2, 10.6)
Phoenix-Mesa-Scottsdale, AZ
64.7
68.1
(62.9, 72.9)
3.4
(-3.7, 10.4)
Pittsburgh, PA
64.0
62.4
(56.4, 68.1)
-1.6
(-10.8, 7.6)
Portland-South Portland, ME~
69.2
67.3
(58.4, 75.0)
-2.0
(-12.6, 8.7)
Portland-Vancouver-Hillsboro, OR-WA
66.1
74.7
(69.9, 78.9)
8.6*
(1.7, 15.5)
Providence-Warwick, RI-MA~
55.1
54.7
(49.7, 59.6)
-0.4
(-8.1, 7.3)
Riverside-San Bernardino-Ontario, CA
46.6
52.0
(46.5, 57.4)
5.4
(-2.5, 13.2)
Sacramento-Roseville-Arden-Arcade,
CA
59.9
57.4
(51.0, 63.5)
-2.5
(-12.1, 7.2)
St. Louis, MO-IL~
68.8
54.8
(48.8, 60.6)
-14.1*
(-23.1, -5.1)
Salisbury, MD-DE~
42.5
NA
NA
NA
NA
Salt Lake City, UT~
72.4
76.8
(70.4, 82.1)
4.4
(-4.2, 13.1)
San Antonio-New Braunfels, TX
52.3
54.1
(46.7, 61.3)
1.8
(-8.0, 11.6)
San Diego-Carlsbad, CA
52.2
60.5
(54.5, 66.2)
8.3
(-0.3, 16.9)
San Francisco-Oakland-Hayward, CA
55.0
59.4
(53.1, 65.4)
4.4
(-2.9, 11.7)
San Jose-Sunnyvale-Santa Clara, CA
NA
68.0
(59.1, 75.8)
NA
NA
Seattle-Tacoma-Bellevue, WA
67.4
67.9
(63.7, 71.8)
0.4
(-5.7, 6.6)
Sioux Falls, SD
71.1
64.0
(57.9, 69.8)
-7.1
(-15.1, 0.9)
Tampa-St. Petersburg-Clearwater, FL
42.6
48.7
(42.2, 55.2)
6.1
(-3.6, 15.8)
Tulsa, OK
64.8
66.4
(58.5, 73.5)
1.7
(-8.5, 11.8)
Urban Honolulu, HI
59.3
58.2
(51.8, 64.4)
-1.1
(-9.7, 7.6)
Virginia Beach-Norfolk-Newport News,
VA-NC~
68.4
66.4
(57.5, 74.2)
-2.0
(-13.1, 9.1)
Washington-Arlington-Alexandria, DCVA-MD-WV~
60.9
67.5
(62.9, 71.9)
6.7*
(0.7, 12.7)
Wichita, KS~
53.5
57.5
(49.6, 65.0)
4.0
(-7.5, 15.5)
Worcester, MA-CT~
NA
49.3
(41.7, 57.0)
NA
NA
Geography
Excludes households with missing information on whether the household saved for unexpected expenses or emergencies. ~ indicates areas with geographic
boundary changes between the 2013 and 2015 surveys. See Appendix 1 (FDIC Technical Notes) for details. * indicates differences that are statistically significant
at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be
slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
107 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
E.4 S
avings Methods by Banking Status and Household Characteristics, 2017
For all households that saved for unexpected expenses or emergencies in the past 12 months, row percent
Characteristics
All
Number of
Households
(1000s)
Percent of
Households
Checking
account
(Percent)
Savings
account
(Percent)
Prepaid
card
(Percent)
Other
accounts
(Percent)
In home, or
with family
or friends
(Percent)
Intent
to pawn
or sell
(Percent)
Other
method
(Percent)
Unknown
method
(Percent)
67,697
100.0
23.7
71.6
0.3
9.0
10.5
0.1
2.6
1.5
Unbanked and
underbanked
1,267
100.0
2.2
2.0
10.1
3.2
66.8
0.8
12.8
4.4
Banked: Underbanked
13,238
100.0
23.9
65.1
0.4
6.9
16.3
0.3
3.9
1.4
Banked: Fully banked
52,759
100.0
24.1
75.0
0.1
9.8
7.7
0.1
2.0
1.4
Banked: Underbanked
status unknown
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
Less than $15,000
4,095
100.0
27.7
49.6
1.1
3.1
23.7
0.1
3.6
2.0
$15,000 to $30,000
7,241
100.0
26.2
54.3
0.7
3.9
19.1
0.2
4.1
2.5
$30,000 to $50,000
12,660
100.0
24.0
67.2
0.6
5.9
13.2
0.2
3.1
1.4
$50,000 to $75,000
13,845
100.0
21.8
74.9
0.2
7.8
9.2
0.1
2.2
1.5
At least $75,000
29,856
100.0
23.3
79.1
0.1
13.0
6.1
0.2
2.0
1.3
3,492
100.0
26.0
52.8
1.1
2.2
21.6
0.2
4.2
1.6
High school diploma
14,541
100.0
23.5
64.8
0.5
5.1
15.5
0.2
2.9
1.9
Some college
20,072
100.0
21.9
70.1
0.4
7.2
12.1
0.2
2.7
1.8
College degree
29,591
100.0
24.8
78.1
0.1
13.0
5.7
0.1
2.1
1.2
15 to 24 years
3,683
100.0
18.9
67.7
1.0
3.0
16.5
0.1
3.2
2.3
25 to 34 years
12,265
100.0
21.5
73.2
0.6
6.0
11.4
0.2
2.5
1.2
35 to 44 years
11,936
100.0
21.3
74.3
0.2
7.5
11.0
0.2
2.5
1.4
45 to 54 years
12,565
100.0
23.5
72.8
0.4
8.9
10.0
0.1
2.4
1.2
55 to 64 years
12,620
100.0
24.8
71.8
0.1
11.0
10.8
0.2
2.3
1.4
65 years or more
14,627
100.0
27.9
67.7
0.2
12.7
7.9
0.1
2.9
2.2
Black
7,390
100.0
21.5
67.1
1.0
5.0
14.2
0.2
3.9
2.3
Hispanic
7,122
100.0
23.0
65.9
0.5
4.7
15.5
0.2
2.0
2.0
Asian
3,237
100.0
31.7
75.4
0.1
8.6
3.0
0.3
2.3
0.8
White
48,936
100.0
23.5
73.0
0.2
10.3
9.5
0.1
2.5
1.4
Other
1,012
100.0
27.6
62.8
1.2
8.3
20.5
-
3.3
1.0
3,953
100.0
25.9
58.7
0.9
5.6
18.4
-
4.0
1.6
Not disabled, age 25
to 64
45,433
100.0
22.5
74.2
0.3
8.6
10.2
0.2
2.3
1.3
Not applicable (not
age 25 to 64)
18,311
100.0
26.1
67.7
0.3
10.8
9.7
0.1
3.0
2.2
Unbanked
Family income
Education
No high school
diploma
Age group
Race/Ethnicity
Disability status
Disabled, age 25 to 64
108
E.4 S
avings Methods by Banking Status and Household Characteristics, 2017
For all households that saved for unexpected expenses or emergencies in the past 12 months, row percent
Number of
Households
(1000s)
Percent of
Households
Checking
account
(Percent)
Savings
account
(Percent)
Prepaid
card
(Percent)
Other
accounts
(Percent)
In home, or
with family
or friends
(Percent)
Intent
to pawn
or sell
(Percent)
Other
method
(Percent)
Unknown
method
(Percent)
Income was about the
same each month
51,828
100.0
23.7
72.9
0.3
8.9
9.4
0.1
2.6
1.5
Income varied
somewhat from month
to month
13,079
100.0
23.8
69.1
0.5
9.4
13.5
0.1
2.3
1.3
Income varied a lot
from month to month
2,594
100.0
24.4
60.2
0.6
11.6
18.4
0.4
3.1
1.1
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
47,042
100.0
22.5
73.9
0.3
8.8
10.4
0.2
2.4
1.3
1,455
100.0
23.0
64.6
0.5
5.2
17.4
-
2.6
0.8
19,199
100.0
26.7
66.3
0.3
10.0
10.2
0.1
3.1
2.2
Homeowner
47,293
100.0
24.1
74.2
0.1
11.0
8.7
0.1
2.2
1.5
Non-homeowner
20,403
100.0
22.8
65.6
0.8
4.5
14.7
0.2
3.3
1.6
Married couple
36,029
100.0
22.5
76.5
0.1
10.5
8.4
0.1
2.2
1.4
Unmarried femaleheaded family
6,495
100.0
21.1
62.5
1.1
5.0
17.3
0.2
3.8
1.3
Unmarried maleheaded family
3,207
100.0
25.5
61.8
0.9
6.5
16.7
0.1
2.7
2.7
Female individual
11,245
100.0
23.9
70.1
0.3
8.8
10.5
-
2.5
1.6
Male individual
10,542
100.0
28.8
64.6
0.4
7.6
11.7
0.2
3.1
1.8
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
60,089
100.0
23.0
71.9
0.3
9.4
10.8
0.1
2.6
1.5
Foreign-born citizen
4,252
100.0
29.3
73.3
0.3
8.0
5.1
0.2
1.9
1.7
Foreign-born noncitizen
3,355
100.0
29.8
63.1
0.2
4.1
12.2
0.2
2.5
1.8
66,339
100.0
23.7
71.9
0.3
9.2
10.3
0.1
2.6
1.5
1,357
100.0
25.6
55.4
0.4
1.9
21.7
0.5
1.3
1.7
Metropolitan area principal city
19,224
100.0
25.0
71.9
0.5
9.8
9.7
0.1
2.3
1.8
Metropolitan area balance
30,107
100.0
23.7
73.8
0.2
9.6
8.7
0.2
2.5
1.4
Not in metropolitan
area
8,486
100.0
22.8
64.7
0.3
7.4
15.2
0.2
3.4
1.9
Not identified
9,880
100.0
22.0
69.9
0.2
7.3
13.7
0.1
2.7
1.1
Northeast
11,443
100.0
28.3
70.5
0.3
9.0
8.8
0.1
2.5
1.9
Midwest
15,532
100.0
22.2
71.5
0.2
8.0
11.5
0.1
2.7
1.4
South
24,749
100.0
23.7
70.6
0.4
8.7
11.4
0.2
2.7
1.3
West
15,972
100.0
22.0
73.9
0.3
10.7
9.3
0.2
2.4
1.8
Characteristics
Monthly income
volatility
Unknown
Employment status
Employed
Unemployed
Not in labor force
Homeownership
Household type
Other
Nativity
U.S.-born
Spanish only
language spoken
Spanish is not only
language spoken
Spanish is only
language spoken
Metropolitan status
Geographic region
Row percentages may not sum to 100 because households were asked to select all savings methods used. NA indicates that the sample size is too small to produce a precise estimate.
- indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
109 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
F.1 U
se of Mainstream Credit Products by Banking Status and Household Characteristics, 2017
For all households, row percent
Percent of
Households
Credit
card
(Percent)
Store
credit
card
(Percent)
Mortgage,
home
equity
loan, or
HELOC
(Percent)
Auto loan
(Percent)
Student
loan
(Percent)
Bank
personal
loan
(Percent)
Other
mainstream
nonbank
(Percent)
No
mainstream
credit
(Percent)
115,124
100.0
68.7
41.6
33.8
32.3
16.6
6.9
2.1
19.7
Unbanked
7,096
100.0
7.2
4.0
3.4
5.7
4.5
1.2
1.0
80.2
Banked:
Underbanked
23,084
100.0
60.0
37.9
26.3
35.5
20.6
8.4
4.3
21.9
Banked: Fully
banked
84,614
100.0
76.3
45.7
38.5
33.7
16.5
7.0
1.6
14.1
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
Less than $15,000
13,934
100.0
31.3
16.7
6.7
9.4
8.4
2.1
1.4
56.2
$15,000 to
$30,000
17,320
100.0
48.6
25.8
13.9
16.0
9.3
3.4
1.8
35.8
$30,000 to
$50,000
22,790
100.0
64.1
37.2
23.7
28.0
14.0
5.6
2.3
20.1
$50,000 to
$75,000
21,411
100.0
77.0
47.4
37.0
37.7
17.7
7.6
2.5
11.2
At least $75,000
39,668
100.0
88.8
56.7
56.2
47.0
23.6
10.5
2.1
4.3
No high school
diploma
10,818
100.0
33.3
19.3
12.8
14.2
2.9
2.6
1.7
53.0
High school
diploma
29,379
100.0
57.7
36.0
25.8
27.2
8.4
5.9
1.9
28.1
Some college
33,388
100.0
68.4
42.9
33.5
34.8
18.1
7.6
2.5
17.2
College degree
41,540
100.0
86.0
50.3
45.3
38.6
24.7
8.2
1.9
7.2
15 to 24 years
5,959
100.0
56.1
26.2
12.8
31.4
31.4
4.5
2.2
24.6
25 to 34 years
18,789
100.0
67.9
35.4
29.7
40.4
32.8
7.4
2.1
18.5
35 to 44 years
19,081
100.0
69.1
41.3
43.0
42.0
24.5
8.6
2.5
18.0
45 to 54 years
20,874
100.0
69.3
45.7
45.1
39.6
16.4
8.2
2.4
17.9
55 to 64 years
21,887
100.0
69.6
45.7
39.4
29.8
10.0
7.6
2.2
19.2
65 years or more
28,534
100.0
70.6
43.0
22.3
17.2
2.8
4.5
1.4
22.4
Black
15,871
100.0
47.9
28.2
19.3
23.7
17.8
5.7
2.8
36.0
Hispanic
14,423
100.0
53.9
35.3
24.6
29.0
14.3
5.2
1.4
31.5
Asian
5,647
100.0
80.8
42.5
36.1
32.5
14.0
5.6
0.9
13.8
White
77,315
100.0
75.3
45.7
38.5
34.7
17.0
7.6
2.1
14.4
Other
1,867
100.0
52.2
31.2
28.1
32.7
15.6
8.5
2.9
28.3
Characteristics
All
Number of
Households
(1000s)
Unbanked and
underbanked
Banked:
Underbanked
status unknown
Family income
Education
Age group
Race/Ethnicity
110
F.1 U
se of Mainstream Credit Products by Banking Status and Household Characteristics, 2017
For all households, row percent
Percent of
Households
Credit
card
(Percent)
Store
credit
card
(Percent)
Mortgage,
home
equity
loan, or
HELOC
(Percent)
Auto loan
(Percent)
Student
loan
(Percent)
Bank
personal
loan
(Percent)
Other
mainstream
nonbank
(Percent)
No
mainstream
credit
(Percent)
10,111
100.0
43.1
27.6
22.9
21.1
10.5
6.0
3.2
40.4
Not disabled, age
25 to 64
70,521
100.0
72.7
44.3
41.8
40.1
21.8
8.2
2.2
15.3
Not applicable
(not age 25 to 64)
34,492
100.0
68.1
40.1
20.6
19.7
7.8
4.5
1.5
22.8
Income was about
the same each
month
89,672
100.0
69.2
41.5
33.5
31.4
15.7
6.1
1.8
19.9
Income varied
somewhat from
month to month
20,327
100.0
68.2
43.6
36.8
36.7
20.1
9.7
2.8
18.1
Income varied a
lot from month to
month
4,873
100.0
62.8
35.7
28.1
31.0
19.2
9.8
4.2
23.5
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
Employed
71,317
100.0
73.4
44.7
41.2
40.5
22.5
8.5
2.4
14.1
Unemployed
3,039
100.0
51.6
29.6
25.9
26.2
20.3
5.0
2.0
34.8
Not in labor force
40,768
100.0
61.9
37.1
21.6
18.4
6.0
4.3
1.6
28.5
Homeowner
73,588
100.0
78.1
50.3
50.6
36.3
15.1
8.2
2.1
11.5
Non-homeowner
41,536
100.0
52.2
26.3
4.1
25.3
19.2
4.7
2.1
34.4
Married couple
54,933
100.0
78.6
51.7
47.3
41.3
18.2
8.6
2.1
11.0
Unmarried
female-headed
family
13,432
100.0
51.7
35.2
23.6
29.3
21.7
5.7
2.6
29.8
Unmarried maleheaded family
5,829
100.0
57.0
28.1
26.2
31.1
17.6
6.7
2.0
27.0
Female individual
21,338
100.0
63.7
39.1
20.2
20.2
12.3
4.6
2.0
26.0
Male individual
19,297
100.0
61.6
24.7
20.4
22.5
12.8
5.8
1.7
28.4
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
U.S.-born
98,955
100.0
69.8
42.5
34.9
33.3
17.5
7.3
2.2
18.5
Foreign-born
citizen
8,553
100.0
70.2
42.7
35.3
28.8
14.6
5.4
1.2
19.9
Foreign-born noncitizen
7,616
100.0
53.3
28.9
18.6
23.5
7.1
3.2
1.5
35.9
110,903
100.0
70.0
42.3
34.6
33.0
17.1
7.1
2.1
18.6
4,220
100.0
36.4
24.5
13.5
15.0
3.7
2.5
1.1
50.3
Number of
Households
(1000s)
Disabled, age 25
to 64
Characteristics
Disability status
Monthly income
volatility
Unknown
Employment
status
Homeownership
Household type
Other
Nativity
Spanish only
language spoken
Spanish is not
only language
spoken
Spanish is only
language spoken
111 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
F.1 U
se of Mainstream Credit Products by Banking Status and Household Characteristics, 2017
For all households, row percent
Percent of
Households
Credit
card
(Percent)
Store
credit
card
(Percent)
Mortgage,
home
equity
loan, or
HELOC
(Percent)
Auto loan
(Percent)
Student
loan
(Percent)
Bank
personal
loan
(Percent)
Other
mainstream
nonbank
(Percent)
No
mainstream
credit
(Percent)
33,832
100.0
65.9
37.0
27.3
27.6
18.0
6.0
1.7
23.4
Metropolitan area
- balance
48,845
100.0
74.7
47.5
40.0
35.8
17.3
7.0
2.0
15.5
Not in
metropolitan area
15,951
100.0
59.3
34.9
28.9
29.4
12.1
8.0
2.6
25.1
Not identified
16,495
100.0
66.0
40.2
33.9
34.3
16.1
7.7
2.6
19.7
Northeast
20,074
100.0
73.2
48.1
34.2
30.7
18.3
7.3
1.3
18.2
Midwest
25,111
100.0
70.8
46.5
37.7
34.9
19.7
7.7
2.6
16.5
South
44,002
100.0
62.7
37.1
30.9
31.7
14.3
6.3
2.3
23.8
West
25,938
100.0
73.4
39.6
34.7
32.0
16.2
7.0
1.8
17.3
Number of
Households
(1000s)
Metropolitan area
- principal city
Characteristics
Metropolitan
status
Geographic
region
Excludes households with missing information on whether the household used one or more mainstream credit products; used credit AFS; applied for, was denied, or felt
discouraged about applying for a credit card or bank personal loan; or fell behind on bills. NA indicates that the sample size is too small to produce a precise estimate.
- indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
112
F.2 Use of Mainstream Credit Products by State, 2017
For all households, row percent
Percent of
Households
Credit
card
(Percent)
Store
credit
card
(Percent)
Mortgage,
home
equity
loan, or
HELOC
(Percent)
Auto loan
(Percent)
Student
loan
(Percent)
Bank
personal
loan
(Percent)
Other
mainstream
nonbank
(Percent)
No
mainstream
credit
(Percent)
115,124
100.0
68.7
41.6
33.8
32.3
16.6
6.9
2.1
19.7
AL
1,821
100.0
59.6
32.2
28.6
29.5
9.2
8.0
3.5
28.3
AK
251
100.0
77.6
23.9
43.4
38.6
20.0
13.0
2.5
12.2
AZ
2,291
100.0
70.8
39.4
35.9
34.1
18.6
5.4
1.6
14.9
AR
1,114
100.0
54.1
35.3
28.5
33.3
14.9
5.8
1.3
28.0
CA
12,838
100.0
72.7
41.8
31.4
29.7
14.8
5.6
1.7
19.6
CO
1,945
100.0
77.1
41.7
39.1
30.3
17.1
5.3
0.7
14.1
Geography
All
Number of
Households
(1000s)
State
CT
1,240
100.0
76.4
50.2
43.7
32.4
23.4
8.5
1.6
14.3
DE
339
100.0
75.5
45.1
43.1
33.0
16.7
4.4
2.8
14.8
DC
293
100.0
72.6
30.7
25.2
17.3
23.9
4.6
1.6
20.1
FL
7,473
100.0
68.1
38.6
27.4
30.1
11.8
4.5
1.2
22.3
GA
3,710
100.0
58.9
29.7
29.0
29.2
14.7
5.4
2.1
28.2
HI
453
100.0
76.5
40.5
29.0
20.5
10.4
8.5
1.4
16.6
ID
611
100.0
68.9
37.2
38.8
38.9
19.7
11.8
2.3
13.2
IL
4,465
100.0
73.6
49.4
39.7
33.2
19.6
5.5
2.4
16.2
IN
2,501
100.0
68.3
48.0
41.6
35.7
19.2
8.3
3.1
17.0
IA
1,161
100.0
73.8
44.8
36.4
33.8
19.9
9.8
2.6
13.8
KS
1,090
100.0
63.5
39.9
31.9
28.9
21.4
6.1
0.4
21.5
KY
1,736
100.0
55.5
35.7
29.2
28.8
16.0
7.9
3.3
26.1
LA
1,812
100.0
48.9
25.3
22.0
20.6
10.4
5.9
3.4
37.2
ME
505
100.0
67.8
34.6
37.5
36.2
23.3
7.1
1.7
18.4
MD
2,026
100.0
73.4
46.7
37.1
37.1
18.7
9.7
2.4
13.0
MA
2,330
100.0
81.5
51.6
38.8
35.6
19.0
4.6
1.2
13.5
MI
3,740
100.0
71.0
43.9
37.6
34.9
17.6
6.4
2.7
16.6
MN
2,215
100.0
79.5
52.4
43.3
43.1
21.8
11.9
2.6
8.1
MS
1,112
100.0
42.0
28.8
19.3
25.2
10.2
4.7
2.9
37.7
MO
2,240
100.0
68.5
45.8
33.1
32.8
16.7
8.2
3.9
17.7
MT
414
100.0
74.0
33.7
31.3
29.7
14.6
9.8
1.7
15.2
NE
716
100.0
72.4
45.1
35.0
39.3
23.9
16.4
3.2
13.4
NV
1,007
100.0
74.2
31.6
36.5
34.7
14.2
6.7
1.8
19.6
NH
485
100.0
76.4
46.2
43.8
43.1
21.5
4.7
1.7
14.0
NJ
3,135
100.0
77.6
57.1
35.5
25.6
16.0
7.0
1.2
17.5
NM
803
100.0
57.7
30.2
29.5
29.1
13.2
6.8
2.0
28.1
NY
6,981
100.0
68.0
42.2
25.7
24.6
16.1
7.2
1.1
23.0
NC
3,756
100.0
60.0
36.8
32.0
29.9
13.4
6.9
2.8
25.4
ND
313
100.0
67.1
38.1
31.6
32.5
23.8
13.7
2.7
20.5
OH
4,160
100.0
66.3
44.8
36.4
35.1
22.1
5.8
2.6
20.4
113 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
F.2 Use of Mainstream Credit Products by State, 2017
For all households, row percent
Percent of
Households
Credit
card
(Percent)
Store
credit
card
(Percent)
Mortgage,
home
equity
loan, or
HELOC
(Percent)
Auto loan
(Percent)
Student
loan
(Percent)
Bank
personal
loan
(Percent)
Other
mainstream
nonbank
(Percent)
No
mainstream
credit
(Percent)
1,456
100.0
65.2
36.1
35.6
36.2
16.1
6.3
3.8
20.0
OR
1,478
100.0
76.4
35.7
37.6
34.0
20.4
12.4
2.7
13.1
PA
4,761
100.0
73.4
50.9
40.1
38.6
20.6
9.3
1.9
15.3
RI
395
100.0
73.3
46.5
33.0
26.0
15.4
3.4
-
19.0
SC
1,918
100.0
62.8
41.4
35.8
30.9
16.4
5.5
3.9
22.8
SD
309
100.0
68.0
37.2
34.2
35.2
22.0
12.5
2.1
16.4
TN
2,398
100.0
60.3
40.6
33.0
37.6
17.4
8.8
2.3
22.9
TX
9,451
100.0
61.9
37.3
29.6
33.8
15.0
6.0
1.8
24.0
UT
939
100.0
78.0
42.9
43.0
44.0
19.1
12.6
2.5
9.6
VT
241
100.0
72.8
35.2
32.9
35.1
19.5
8.0
1.0
14.5
VA
2,908
100.0
78.1
44.5
46.6
37.9
16.4
7.7
2.4
11.2
WA
2,681
100.0
78.3
37.8
42.8
36.7
19.2
8.3
2.1
12.6
WV
678
100.0
56.8
36.9
28.7
31.2
12.8
5.1
2.0
26.2
WI
2,201
100.0
72.1
48.8
36.7
33.4
17.2
7.5
2.1
15.2
WY
228
100.0
64.1
31.5
32.5
34.9
11.2
10.5
2.7
22.6
Number of
Households
(1000s)
OK
Geography
Excludes households with missing information on whether the household used one or more mainstream credit products; used credit AFS; applied for, was denied, or felt
discouraged about applying for a credit card or bank personal loan; or fell behind on bills. NA indicates that the sample size is too small to produce a precise estimate.
- indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
114
F.3 Use of Mainstream Credit Products by MSA, 2017
For all households, row percent
Percent of
Households
Credit
card
(Percent)
Store
credit
card
(Percent)
Mortgage,
home
equity
loan, or
HELOC
(Percent)
Auto loan
(Percent)
Student
loan
(Percent)
Bank
personal
loan
(Percent)
Other
mainstream
nonbank
(Percent)
No
mainstream
credit
(Percent)
115,124
100.0
68.7
41.6
33.8
32.3
16.6
6.9
2.1
19.7
Albuquerque, NM
382
100.0
64.9
36.0
36.5
37.5
18.4
7.5
2.0
23.1
Atlanta-Sandy
Springs-Roswell,
GA~
2,100
100.0
61.3
32.7
30.0
30.6
16.4
5.1
1.3
25.7
Austin-Round
Rock, TX
695
100.0
74.7
39.8
34.0
34.8
20.8
6.2
0.7
15.1
BaltimoreColumbia-Towson,
MD
936
100.0
72.5
47.3
33.7
40.0
19.8
10.5
2.5
16.0
Baton Rouge, LA
325
100.0
49.8
28.5
33.0
26.0
6.7
6.1
3.8
33.5
Billings, MT~
63
100.0
79.5
38.4
26.7
27.4
12.4
3.1
-
10.6
BirminghamHoover, AL
410
100.0
53.0
26.6
25.4
24.0
12.0
7.9
3.0
36.2
Boise City, ID
227
100.0
73.6
42.4
46.5
42.7
22.7
10.7
0.5
8.9
BostonCambridgeNewton, MA-NH~
1,613
100.0
80.3
51.0
40.9
37.8
22.2
5.2
1.4
14.2
Burlington-South
Burlington, VT~
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
CharlotteConcordGastonia,
NC-SC~
982
100.0
67.0
41.7
41.5
36.8
16.8
8.1
4.4
17.5
ChicagoNaperville-Elgin,
IL-IN-WI
3,134
100.0
76.0
50.6
38.6
30.5
19.4
2.5
1.2
16.4
Cincinnati, OHKY-IN~
728
100.0
63.6
38.7
42.7
38.7
23.4
6.2
2.7
21.8
Cleveland-Elyria,
OH
833
100.0
69.4
48.5
36.8
37.1
21.3
9.4
2.1
20.5
Columbus, OH~
Geography
All
Number of
Households
(1000s)
MSA
679
100.0
69.4
40.9
39.0
37.5
23.0
5.9
3.6
19.2
Dallas-Fort WorthArlington, TX~
2,447
100.0
66.9
41.3
32.3
33.3
17.0
6.0
1.5
21.2
Denver-AuroraLakewood, CO
1,071
100.0
78.8
41.3
35.4
25.7
18.3
4.3
-
14.4
Detroit-WarrenDearborn, MI
1,684
100.0
72.2
50.5
39.1
34.5
17.2
4.9
2.5
16.1
Fargo, ND-MN
75
100.0
74.5
50.2
39.0
40.8
27.2
12.8
4.3
14.1
GreenvilleAndersonMauldin, SC~
439
100.0
74.3
54.1
40.3
26.8
13.3
4.3
7.6
14.9
Hartford-West
Hartford-East
Hartford, CT~
471
100.0
69.8
50.1
47.3
29.6
20.8
11.8
3.2
16.7
Houston-The
Woodlands-Sugar
Land, TX~
2,372
100.0
65.1
42.0
33.9
35.3
15.7
6.2
2.5
24.2
HuntingtonAshland, WV-KYOH~
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
115 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
F.3 Use of Mainstream Credit Products by MSA, 2017
For all households, row percent
Percent of
Households
Credit
card
(Percent)
Store
credit
card
(Percent)
Mortgage,
home
equity
loan, or
HELOC
(Percent)
Auto loan
(Percent)
Student
loan
(Percent)
Bank
personal
loan
(Percent)
Other
mainstream
nonbank
(Percent)
No
mainstream
credit
(Percent)
861
100.0
77.3
50.1
47.2
43.5
25.8
6.0
1.2
11.4
Geography
Number of
Households
(1000s)
IndianapolisCarmel-Anderson,
IN~
Jackson, MS~
258
100.0
41.5
20.5
18.0
19.1
12.3
3.0
1.0
40.1
Kansas City, MOKS~
730
100.0
72.9
48.5
37.0
40.3
21.4
8.0
5.6
11.7
Knoxville, TN~
374
100.0
53.8
32.2
31.3
41.5
17.2
7.7
4.5
24.7
Las VegasHendersonParadise, NV
763
100.0
75.0
28.9
36.7
33.4
15.1
4.9
2.0
19.1
Little Rock-North
Little RockConway, AR
317
100.0
58.0
40.6
39.2
37.8
22.4
6.0
1.0
22.0
Los Angeles-Long
Beach-Anaheim,
CA
4,065
100.0
72.1
41.9
28.3
27.0
16.7
4.4
1.1
21.2
Louisville/
Jefferson County,
KY-IN~
603
100.0
69.6
49.4
38.2
33.0
19.9
7.6
3.5
15.5
ManchesterNashua, NH~
149
100.0
70.0
36.5
44.7
37.8
14.2
3.4
2.0
21.8
Memphis, TN-MSAR~
535
100.0
46.9
32.1
29.6
32.9
17.9
6.9
1.1
33.8
Miami-Fort
Lauderdale-West
Palm Beach, FL
2,010
100.0
58.5
32.3
19.6
24.7
12.8
2.8
1.2
30.9
MilwaukeeWaukesha-West
Allis, WI
534
100.0
73.8
59.0
40.6
34.2
14.9
3.8
0.9
15.9
1,426
100.0
85.5
51.9
42.2
44.6
23.4
11.1
1.4
6.0
NashvilleDavidsonMurfreesboroFranklin, TN~
562
100.0
68.0
38.9
38.3
39.1
21.7
11.8
1.2
16.1
New OrleansMetairie, LA~
484
100.0
53.4
24.1
22.6
18.5
17.1
5.1
2.8
36.5
New YorkNewark-Jersey
City, NY-NJ-PA~
6,929
100.0
71.4
47.2
24.8
17.9
13.7
7.0
1.2
22.9
Oklahoma City,
OK
479
100.0
75.9
43.1
44.9
37.1
17.5
6.2
3.3
15.1
Omaha-Council
Bluffs, NE-IA
394
100.0
79.4
48.8
37.0
45.2
25.9
12.8
4.2
8.9
OrlandoKissimmeeSanford, FL
1,022
100.0
70.8
35.0
25.6
29.0
13.4
1.8
1.3
21.5
PhiladelphiaCamdenWilmington,
PA-NJ-DE-MD
2,235
100.0
77.6
51.0
44.8
38.4
19.4
8.1
2.0
12.9
Phoenix-MesaScottsdale, AZ
1,498
100.0
70.7
37.6
36.7
33.2
21.7
6.3
1.5
15.9
Pittsburgh, PA
935
100.0
74.8
63.8
43.2
41.6
26.4
13.7
2.5
11.3
Minneapolis-St.
Paul-Bloomington,
MN-WI~
116
F.3 Use of Mainstream Credit Products by MSA, 2017
For all households, row percent
Percent of
Households
Credit
card
(Percent)
Store
credit
card
(Percent)
Mortgage,
home
equity
loan, or
HELOC
(Percent)
Auto loan
(Percent)
Student
loan
(Percent)
Bank
personal
loan
(Percent)
Other
mainstream
nonbank
(Percent)
No
mainstream
credit
(Percent)
175
100.0
73.8
38.3
47.0
42.6
24.9
6.8
1.8
14.9
PortlandVancouverHillsboro, OR-WA
828
100.0
82.3
36.4
42.2
33.4
20.1
10.9
3.2
9.7
ProvidenceWarwick, RI-MA~
523
100.0
74.9
48.7
32.4
25.8
16.1
3.9
-
18.7
1,327
100.0
63.4
42.6
32.2
31.5
14.2
5.6
0.4
25.7
SacramentoRoseville-ArdenArcade, CA
943
100.0
71.2
39.8
28.6
26.0
9.6
4.1
2.0
23.4
St. Louis, MO-IL~
Number of
Households
(1000s)
Portland-South
Portland, ME~
Geography
Riverside-San
BernardinoOntario, CA
1,131
100.0
76.3
55.7
41.8
31.3
23.3
9.3
1.2
14.1
Salisbury, MDDE~
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
Salt Lake City,
UT~
440
100.0
76.6
37.5
43.9
45.9
21.0
12.6
2.1
11.8
San Antonio-New
Braunfels, TX
902
100.0
53.0
35.4
32.2
38.0
19.6
5.9
1.1
24.3
San DiegoCarlsbad, CA
1,371
100.0
76.4
40.4
37.6
41.1
13.7
7.6
2.1
11.0
San FranciscoOakland-Hayward,
CA
1,540
100.0
85.8
45.2
38.0
30.4
17.6
7.0
4.6
8.8
San JoseSunnyvale-Santa
Clara, CA
566
100.0
90.1
47.8
39.5
37.9
9.6
12.2
1.8
5.1
Seattle-TacomaBellevue, WA
1,454
100.0
81.0
37.3
41.4
38.0
20.0
6.3
2.4
12.0
Sioux Falls, SD
103
100.0
72.9
39.0
41.5
35.1
27.1
15.0
0.7
11.3
Tampa-St.
PetersburgClearwater, FL
1,225
100.0
75.5
37.7
36.3
39.4
15.5
5.9
1.6
12.8
Tulsa, OK
417
100.0
66.3
38.7
34.3
40.5
19.2
3.8
4.5
15.4
Urban Honolulu,
HI
328
100.0
74.5
40.3
27.5
17.3
10.3
8.3
1.0
17.6
Virginia BeachNorfolk-Newport
News, VA-NC~
616
100.0
77.4
40.2
46.1
37.6
13.6
7.7
2.5
10.6
WashingtonArlingtonAlexandria, DCVA-MD-WV~
2,094
100.0
82.9
45.6
48.1
35.3
20.2
8.7
2.3
7.8
Wichita, KS~
326
100.0
61.0
39.0
33.2
33.0
20.3
6.1
-
29.6
Worcester, MACT~
364
100.0
84.6
51.7
38.3
46.1
26.1
1.2
1.2
7.7
Excludes households with missing information on whether the household used one or more mainstream credit products; used credit AFS; applied for, was denied, or felt
discouraged about applying for a credit card or bank personal loan; or fell behind on bills. ~ indicates areas with geographic boundary changes between the 2013 and
2015 surveys. See Appendix 1 (FDIC Technical Notes) for details. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate
of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
117 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
F.4 O
wnership of Credit Cards From Visa, MasterCard, American Express, or Discover by Banking Status
and Household Characteristics, 2015-2017
For all households
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval, Difference
66.5
68.7
(68.1, 69.3)
2.2*
(1.4, 3.1)
Unbanked
6.5
7.2
(6.0, 8.6)
0.7
(-1.1, 2.4)
Banked: Underbanked
57.8
60.0
(58.7, 61.3)
2.2*
(0.6, 3.9)
Banked: Fully banked
74.6
76.3
(75.6, 76.9)
1.6*
(0.6, 2.6)
Banked: Underbanked
status unknown
NA
NA
NA
NA
NA
Less than $15,000
30.8
31.3
(29.8, 32.8)
0.4
(-1.7, 2.6)
$15,000 to $30,000
48.8
48.6
(47.0, 50.2)
-0.2
(-2.2, 1.9)
$30,000 to $50,000
63.6
64.1
(63.0, 65.3)
0.6
(-1.1, 2.2)
$50,000 to $75,000
75.9
77.0
(75.9, 78.1)
1.1
(-0.5, 2.7)
At least $75,000
87.9
88.8
(88.1, 89.5)
0.9
(-0.2, 1.9)
No high school diploma
33.1
33.3
(31.6, 35.0)
0.1
(-2.2, 2.5)
High school diploma
55.4
57.7
(56.6, 58.8)
2.4*
(0.8, 3.9)
Some college
67.1
68.4
(67.5, 69.3)
1.4
(0.0, 2.7)
College degree
85.0
86.0
(85.3, 86.7)
1.0*
(0.0, 2.0)
15 to 24 years
51.2
56.1
(53.5, 58.7)
4.9*
(1.2, 8.5)
25 to 34 years
62.9
67.9
(66.6, 69.2)
5.0*
(3.1, 7.0)
35 to 44 years
65.9
69.1
(67.8, 70.4)
3.2*
(1.4, 5.1)
45 to 54 years
67.5
69.3
(68.0, 70.5)
1.8
(0.0, 3.6)
55 to 64 years
69.3
69.6
(68.5, 70.7)
0.3
(-1.3, 1.9)
65 years or more
69.7
70.6
(69.6, 71.6)
0.9
(-0.6, 2.3)
Black
43.3
47.9
(46.1, 49.7)
4.6*
(2.2, 7.0)
Hispanic
48.4
53.9
(52.3, 55.6)
5.5*
(3.1, 7.9)
Asian
78.9
80.8
(78.5, 82.9)
2.0
(-1.1, 5.0)
White
73.9
75.3
(74.6, 75.9)
1.4*
(0.5, 2.3)
Other
51.7
52.2
(47.6, 56.7)
0.5
(-5.3, 6.3)
Disabled, age 25 to 64
40.1
43.1
(41.4, 44.8)
3.0*
(0.7, 5.3)
Not disabled, age 25
to 64
70.4
72.7
(72.0, 73.4)
2.3*
(1.3, 3.4)
Not applicable (not age
25 to 64)
66.4
68.1
(67.1, 69.0)
1.7*
(0.3, 3.1)
67.5
69.2
(68.5, 69.9)
1.7*
(0.8, 2.6)
Characteristics
All
Unbanked and
underbanked
Family income
Education
Age group
Race/Ethnicity
Disability status
Monthly income
volatility
Income was about the
same each month
118
F.4 O
wnership of Credit Cards From Visa, MasterCard, American Express, or Discover by Banking Status
and Household Characteristics, 2015-2017
For all households
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval, Difference
Income varied
somewhat from month
to month
64.5
68.2
(67.0, 69.4)
3.7*
(1.8, 5.5)
Income varied a lot
from month to month
58.8
62.8
(60.2, 65.3)
4.0*
(0.6, 7.5)
Unknown
NA
NA
NA
NA
NA
Employed
71.3
73.4
(72.6, 74.1)
2.1*
(1.1, 3.2)
Unemployed
44.9
51.6
(48.4, 54.9)
6.8*
(2.2, 11.4)
Not in labor force
60.1
61.9
(61.0, 62.8)
1.8*
(0.6, 3.1)
Homeowner
76.7
78.1
(77.4, 78.7)
1.4*
(0.4, 2.3)
Non-homeowner
48.5
52.2
(51.1, 53.2)
3.6*
(2.3, 5.0)
Married couple
76.4
78.6
(77.9, 79.3)
2.3*
(1.2, 3.3)
Unmarried femaleheaded family
48.4
51.7
(50.0, 53.3)
3.3*
(1.1, 5.5)
Unmarried maleheaded family
53.9
57.0
(54.3, 59.6)
3.1
(-0.5, 6.6)
Female individual
62.3
63.7
(62.5, 64.9)
1.4
(-0.3, 3.1)
Male individual
60.6
61.6
(60.2, 62.9)
0.9
(-1.2, 3.1)
Other
NA
NA
NA
NA
NA
U.S.-born
67.7
69.8
(69.2, 70.4)
2.1*
(1.1, 3.0)
Foreign-born citizen
69.1
70.2
(68.1, 72.2)
1.1
(-1.8, 4.0)
Foreign-born noncitizen
48.2
53.3
(51.1, 55.6)
5.1*
(1.8, 8.4)
Spanish is not only
language spoken
67.3
70.0
(69.3, 70.6)
2.6*
(1.8, 3.5)
Spanish is only
language spoken
28.5
36.4
(33.3, 39.7)
8.0*
(2.7, 13.2)
Metropolitan area principal city
63.0
65.9
(64.8, 67.1)
2.9*
(1.3, 4.5)
Metropolitan area balance
72.2
74.7
(73.8, 75.5)
2.4*
(1.2, 3.6)
Not in metropolitan area
56.3
59.3
(57.8, 60.8)
3.0*
(1.0, 5.0)
Not identified
66.4
66.0
(64.1, 67.9)
-0.3
(-2.7, 2.0)
Northeast
71.5
73.2
(71.8, 74.6)
1.8
(-0.1, 3.7)
Midwest
70.2
70.8
(69.6, 72.0)
0.6
(-1.1, 2.3)
South
59.1
62.7
(61.8, 63.7)
3.6*
(2.2, 5.0)
West
71.5
73.4
(72.3, 74.5)
1.9*
(0.2, 3.6)
Characteristics
Employment status
Homeownership
Household type
Nativity
Spanish only language
spoken
Metropolitan status
Geographic region
Excludes households with missing information on whether the household used one or more mainstream credit products; used credit AFS; applied for, was denied,
or felt discouraged about applying for a credit card or bank personal loan; or fell behind on bills. * indicates differences that are statistically significant at the 10%
level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly
greater than zero. Estimates do not always reconcile to totals because of rounding.
119 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
F.5 Applied for Credit Card or Bank Personal Loan by Banking Status and Household Characteristics,
2015-2017
For all households
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
13.9
14.1
(13.8, 14.5)
0.2
(-0.3, 0.8)
Unbanked
2.5
3.0
(2.2, 3.9)
0.5
(-0.5, 1.6)
Banked: Underbanked
17.8
18.0
(17.1, 19.0)
0.2
(-1.1, 1.5)
Banked: Fully banked
13.8
14.0
(13.6, 14.5)
0.2
(-0.4, 0.8)
Banked: Underbanked status unknown
NA
NA
NA
NA
NA
6.0
6.5
(5.8, 7.4)
0.5
(-0.6, 1.6)
Characteristics
All
Unbanked and underbanked
Family income
Less than $15,000
$15,000 to $30,000
9.3
8.4
(7.7, 9.1)
-0.9
(-1.9, 0.1)
$30,000 to $50,000
12.1
11.6
(10.8, 12.4)
-0.5
(-1.6, 0.5)
$50,000 to $75,000
15.9
15.2
(14.3, 16.2)
-0.7
(-2.1, 0.7)
At least $75,000
19.8
20.2
(19.5, 20.9)
0.4
(-0.6, 1.5)
5.5
5.4
(4.6, 6.3)
0.0
(-1.2, 1.1)
Education
No high school diploma
High school diploma
10.3
10.2
(9.5, 10.9)
-0.1
(-1.1, 0.8)
Some college
15.5
14.5
(13.8, 15.3)
-1.0*
(-1.9, 0.0)
College degree
17.9
18.9
(18.2, 19.6)
1.0
(-0.1, 2.0)
15 to 24 years
16.6
19.0
(17.0, 21.2)
2.4
(-0.4, 5.1)
25 to 34 years
17.8
19.9
(18.9, 21.1)
2.1*
(0.6, 3.6)
35 to 44 years
16.9
16.9
(15.9, 18.0)
0.0
(-1.4, 1.4)
45 to 54 years
15.8
16.1
(15.1, 17.1)
0.2
(-1.0, 1.5)
55 to 64 years
12.7
12.4
(11.6, 13.2)
-0.3
(-1.5, 0.9)
65 years or more
7.9
7.4
(6.9, 8.0)
-0.5
(-1.3, 0.3)
Black
10.0
10.2
(9.3, 11.3)
0.2
(-1.2, 1.7)
Hispanic
11.5
12.3
(11.2, 13.6)
0.8
(-0.8, 2.4)
Asian
17.3
20.7
(18.8, 22.7)
3.4*
(0.5, 6.3)
White
14.9
14.8
(14.4, 15.3)
-0.1
(-0.7, 0.6)
Other
12.6
12.6
(10.0, 15.9)
0.0
(-4.3, 4.3)
Disabled, age 25 to 64
11.3
11.3
(10.2, 12.5)
0.0
(-1.5, 1.6)
Not disabled, age 25 to 64
16.4
16.9
(16.4, 17.4)
0.5
(-0.2, 1.2)
Not applicable (not age 25 to 64)
9.4
9.4
(8.8, 10.0)
0.0
(-0.9, 0.8)
Income was about the same each month
13.0
13.1
(12.7, 13.5)
0.0
(-0.5, 0.6)
Income varied somewhat from month to month
16.3
18.0
(17.1, 18.9)
1.7*
(0.3, 3.0)
Income varied a lot from month to month
19.2
17.9
(15.8, 20.2)
-1.4
(-4.1, 1.4)
Unknown
NA
NA
NA
NA
NA
Employed
17.1
17.6
(17.1, 18.1)
0.5
(-0.2, 1.2)
Unemployed
11.9
15.6
(13.0, 18.6)
3.7*
(0.2, 7.2)
Not in labor force
8.6
8.0
(7.5, 8.5)
-0.6
(-1.3, 0.1)
Age group
Race/Ethnicity
Disability status
Monthly income volatility
Employment status
120
F.5 Applied for Credit Card or Bank Personal Loan by Banking Status and Household Characteristics,
2015-2017
For all households
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
Homeowner
14.5
14.7
(14.2, 15.2)
0.2
(-0.5, 0.8)
Non-homeowner
12.9
13.2
(12.6, 13.9)
0.4
(-0.6, 1.3)
Married couple
15.9
15.8
(15.2, 16.4)
-0.1
(-0.9, 0.7)
Unmarried female-headed family
12.4
13.2
(12.1, 14.4)
0.8
(-0.8, 2.5)
Unmarried male-headed family
12.4
14.8
(12.9, 16.8)
2.3
(-0.2, 4.9)
Female individual
10.7
11.0
(10.3, 11.8)
0.3
(-0.8, 1.4)
Male individual
13.2
13.4
(12.4, 14.4)
0.1
(-1.2, 1.5)
Other
NA
NA
NA
NA
NA
U.S.-born
14.1
14.0
(13.6, 14.4)
-0.1
(-0.7, 0.4)
Foreign-born citizen
13.4
15.1
(13.6, 16.8)
1.7
(-0.3, 3.8)
Foreign-born non-citizen
11.8
15.0
(13.5, 16.6)
3.2*
(0.9, 5.5)
Spanish is not only language spoken
14.0
14.4
(14.0, 14.7)
0.3
(-0.2, 0.8)
Spanish is only language spoken
7.5
8.5
(6.9, 10.5)
1.1
(-1.8, 4.0)
Metropolitan area - principal city
14.4
14.9
(14.1, 15.8)
0.5
(-0.7, 1.8)
Metropolitan area - balance
14.8
15.3
(14.7, 16.0)
0.6
(-0.2, 1.4)
Characteristics
Homeownership
Household type
Nativity
Spanish only language spoken
Metropolitan status
Not in metropolitan area
10.8
9.8
(8.9, 10.7)
-1.0
(-2.1, 0.1)
Not identified
13.5
13.2
(12.2, 14.3)
-0.2
(-1.7, 1.2)
Northeast
14.6
14.9
(13.9, 15.9)
0.2
(-1.1, 1.5)
Midwest
14.3
14.8
(13.8, 15.8)
0.5
(-0.9, 1.8)
South
12.4
12.2
(11.7, 12.9)
-0.1
(-0.9, 0.7)
West
15.6
16.2
(15.4, 17.1)
0.6
(-0.6, 1.8)
Geographic region
Excludes households with missing information on whether the household used one or more mainstream credit products; used credit AFS; applied for, was denied,
or felt discouraged about applying for a credit card or bank personal loan; or fell behind on bills.* indicates differences that are statistically significant at the 10%
level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater
than zero. Estimates do not always reconcile to totals because of rounding.
121 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
F.6 Denied Credit Card or Bank Personal Loan by Banking Status and Household Characteristics,
2015-2017
For all households
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
2.8
2.8
(2.6, 2.9)
0.0
(-0.3, 0.2)
Unbanked
1.5
1.7
(1.2, 2.4)
0.2
(-0.6, 0.9)
Banked: Underbanked
5.8
6.2
(5.5, 6.8)
0.4
(-0.5, 1.2)
Banked: Fully banked
2.0
1.9
(1.8, 2.1)
-0.1
(-0.3, 0.1)
Banked: Underbanked status unknown
NA
NA
NA
NA
NA
Less than $15,000
2.5
2.4
(1.9, 3.0)
-0.1
(-0.8, 0.5)
$15,000 to $30,000
3.3
3.1
(2.6, 3.6)
-0.2
(-0.9, 0.5)
$30,000 to $50,000
3.1
3.1
(2.6, 3.5)
-0.1
(-0.7, 0.5)
$50,000 to $75,000
3.2
2.9
(2.5, 3.3)
-0.4
(-1.0, 0.2)
At least $75,000
2.1
2.5
(2.2, 2.8)
0.4
(0.0, 0.8)
No high school diploma
1.9
1.5
(1.2, 2.0)
-0.4
(-1.0, 0.2)
High school diploma
2.7
2.1
(1.8, 2.4)
-0.6*
(-1.1, -0.1)
Some college
3.7
3.8
(3.4, 4.3)
0.2
(-0.4, 0.7)
College degree
2.4
2.7
(2.4, 3.0)
0.3
(-0.1, 0.8)
15 to 24 years
5.4
5.5
(4.4, 6.8)
0.1
(-1.6, 1.8)
25 to 34 years
4.3
4.1
(3.6, 4.8)
-0.2
(-1.0, 0.7)
35 to 44 years
3.7
3.5
(3.0, 4.0)
-0.2
(-1.0, 0.5)
45 to 54 years
2.9
3.5
(3.1, 4.0)
0.6*
(0.0, 1.2)
55 to 64 years
2.2
2.1
(1.8, 2.5)
0.0
(-0.5, 0.5)
65 years or more
0.9
0.7
(0.5, 0.9)
-0.2
(-0.5, 0.1)
Black
2.8
3.9
(3.2, 4.6)
1.0*
(0.2, 1.8)
Hispanic
3.6
3.2
(2.7, 3.8)
-0.4
(-1.3, 0.5)
Asian
2.9
2.7
(1.9, 3.7)
-0.2
(-1.4, 1.0)
White
2.6
2.4
(2.2, 2.6)
-0.2
(-0.5, 0.1)
Other
3.0
4.4
(2.9, 6.7)
1.5
(-0.8, 3.7)
Disabled, age 25 to 64
3.7
3.7
(3.1, 4.4)
0.0
(-0.8, 0.9)
Not disabled, age 25 to 64
3.2
3.2
(3.0, 3.5)
0.1
(-0.3, 0.4)
Not applicable (not age 25 to 64)
1.7
1.5
(1.3, 1.8)
-0.2
(-0.5, 0.2)
Income was about the same each month
2.2
2.3
(2.1, 2.5)
0.1
(-0.2, 0.4)
Income varied somewhat from month to month
4.1
4.1
(3.6, 4.6)
0.0
(-0.8, 0.7)
Income varied a lot from month to month
6.6
5.5
(4.4, 6.8)
-1.2
(-3.0, 0.7)
Unknown
NA
NA
NA
NA
NA
Characteristics
All
Unbanked and underbanked
Family income
Education
Age group
Race/Ethnicity
Disability status
Monthly income volatility
122
F.6 Denied Credit Card or Bank Personal Loan by Banking Status and Household Characteristics,
2015-2017
For all households
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
Employed
3.2
3.3
(3.1, 3.6)
0.1
(-0.2, 0.5)
Unemployed
5.6
6.0
(4.5, 8.0)
0.4
(-2.0, 2.7)
Not in labor force
1.8
1.5
(1.3, 1.7)
-0.3
(-0.6, 0.0)
Homeowner
2.0
2.0
(1.8, 2.2)
0.0
(-0.2, 0.3)
Non-homeowner
4.2
4.1
(3.7, 4.5)
-0.1
(-0.6, 0.4)
Married couple
2.5
2.4
(2.2, 2.7)
-0.1
(-0.4, 0.3)
Unmarried female-headed family
3.8
4.2
(3.6, 4.8)
0.4
(-0.5, 1.3)
Unmarried male-headed family
3.5
4.0
(3.0, 5.3)
0.4
(-1.0, 1.8)
Female individual
2.1
2.3
(1.9, 2.7)
0.1
(-0.4, 0.7)
Male individual
3.3
2.9
(2.5, 3.4)
-0.4
(-1.1, 0.3)
Other
NA
NA
NA
NA
NA
U.S.-born
2.8
2.6
(2.5, 2.8)
-0.1
(-0.4, 0.2)
Foreign-born citizen
2.5
2.8
(2.2, 3.6)
0.3
(-0.7, 1.3)
Foreign-born non-citizen
3.5
4.2
(3.3, 5.1)
0.7
(-0.5, 1.9)
Spanish is not only language spoken
2.8
2.7
(2.6, 2.9)
0.0
(-0.3, 0.2)
Spanish is only language spoken
3.3
3.1
(2.1, 4.4)
-0.3
(-2.1, 1.5)
Metropolitan area - principal city
3.2
3.3
(3.0, 3.7)
0.2
(-0.4, 0.7)
Metropolitan area - balance
2.6
2.7
(2.4, 3.0)
0.1
(-0.3, 0.4)
Not in metropolitan area
2.4
1.6
(1.3, 1.9)
-0.8*
(-1.3, -0.3)
Not identified
2.9
2.9
(2.4, 3.4)
0.0
(-0.8, 0.7)
Northeast
2.7
2.4
(2.0, 2.8)
-0.3
(-0.9, 0.3)
Midwest
2.6
2.8
(2.5, 3.2)
0.3
(-0.3, 0.8)
South
2.7
2.6
(2.3, 2.9)
-0.1
(-0.5, 0.3)
West
3.3
3.3
(2.9, 3.7)
0.0
(-0.5, 0.6)
Characteristics
Employment status
Homeownership
Household type
Nativity
Spanish only language spoken
Metropolitan status
Geographic region
Excludes households with missing information on whether the household used one or more mainstream credit products; used credit AFS; applied for, was denied,
or felt discouraged about applying for a credit card or bank personal loan; or fell behind on bills. * indicates differences that are statistically significant at the 10%
level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly
greater than zero. Estimates do not always reconcile to totals because of rounding.
123 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
F.7 Felt Discouraged About Applying for Credit Card or Bank Personal Loan by Banking Status and
Household Characteristics, 2015-2017
For all households
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
6.1
5.6
(5.4, 5.9)
-0.5*
(-0.9, -0.1)
Unbanked
10.7
8.5
(7.3, 9.8)
-2.2*
(-4.2, -0.3)
Banked: Underbanked
13.3
13.2
(12.4, 14.2)
-0.1
(-1.4, 1.2)
Banked: Fully banked
3.5
3.3
(3.1, 3.5)
-0.3
(-0.6, 0.0)
Banked: Underbanked status unknown
NA
NA
NA
NA
NA
Less than $15,000
9.5
8.5
(7.6, 9.6)
-1.0
(-2.3, 0.4)
$15,000 to $30,000
8.7
7.3
(6.6, 8.0)
-1.4*
(-2.5, -0.3)
$30,000 to $50,000
6.4
7.0
(6.4, 7.7)
0.6
(-0.3, 1.5)
$50,000 to $75,000
5.6
5.4
(4.8, 5.9)
-0.3
(-1.1, 0.5)
At least $75,000
3.3
3.1
(2.8, 3.5)
-0.1
(-0.6, 0.3)
No high school diploma
7.0
6.2
(5.4, 7.1)
-0.8
(-2.0, 0.5)
High school diploma
7.3
5.7
(5.3, 6.2)
-1.5*
(-2.3, -0.8)
Some college
7.1
7.3
(6.7, 7.8)
0.1
(-0.6, 0.9)
College degree
4.0
4.0
(3.7, 4.4)
0.0
(-0.5, 0.5)
15 to 24 years
10.2
9.8
(8.4, 11.5)
-0.4
(-2.6, 1.9)
25 to 34 years
9.3
9.2
(8.4, 10.1)
-0.1
(-1.4, 1.1)
35 to 44 years
7.3
7.3
(6.6, 8.1)
0.0
(-1.0, 1.1)
45 to 54 years
6.9
6.2
(5.7, 6.8)
-0.7
(-1.6, 0.1)
55 to 64 years
4.9
4.1
(3.6, 4.7)
-0.8*
(-1.5, -0.1)
65 years or more
2.4
1.9
(1.6, 2.2)
-0.5*
(-0.9, 0.0)
Black
10.7
10.1
(9.2, 11.2)
-0.5
(-2.1, 1.0)
Hispanic
8.7
7.0
(6.2, 8.0)
-1.6*
(-3.0, -0.3)
Asian
4.4
3.9
(3.1, 5.0)
-0.4
(-1.8, 0.9)
White
4.7
4.5
(4.2, 4.8)
-0.3
(-0.6, 0.1)
Other
9.6
7.5
(5.4, 10.2)
-2.1
(-5.4, 1.2)
Disabled, age 25 to 64
11.3
9.0
(7.9, 10.1)
-2.4*
(-3.9, -0.8)
Not disabled, age 25 to 64
6.4
6.3
(5.9, 6.6)
-0.2
(-0.6, 0.3)
Not applicable (not age 25 to 64)
3.8
3.3
(2.9, 3.6)
-0.5
(-1.0, 0.0)
Income was about the same each month
4.8
4.6
(4.4, 4.9)
-0.2
(-0.6, 0.2)
Income varied somewhat from month to month
9.1
8.5
(7.8, 9.3)
-0.6
(-1.7, 0.5)
Income varied a lot from month to month
15.4
11.4
(9.9, 13.1)
-4.0*
(-6.5, -1.4)
Unknown
NA
NA
NA
NA
NA
Characteristics
All
Unbanked and underbanked
Family income
Education
Age group
Race/Ethnicity
Disability status
Monthly income volatility
124
F.7 Felt Discouraged About Applying for Credit Card or Bank Personal Loan by Banking Status and
Household Characteristics, 2015-2017
For all households
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
Employed
6.6
6.4
(6.0, 6.7)
-0.2
(-0.7, 0.3)
Unemployed
13.2
13.6
(11.2, 16.5)
0.4
(-3.2, 4.0)
Not in labor force
4.7
3.6
(3.3, 4.0)
-1.0*
(-1.6, -0.5)
Homeowner
3.7
3.5
(3.3, 3.8)
-0.1
(-0.4, 0.2)
Non-homeowner
10.3
9.2
(8.7, 9.8)
-1.1*
(-1.9, -0.2)
Married couple
4.4
4.2
(3.9, 4.5)
-0.2
(-0.7, 0.2)
Unmarried female-headed family
11.6
9.8
(8.9, 10.8)
-1.9*
(-3.3, -0.4)
Unmarried male-headed family
9.6
8.4
(7.1, 9.9)
-1.2
(-3.3, 0.9)
Female individual
5.7
5.6
(5.0, 6.2)
0.0
(-0.9, 0.8)
Male individual
6.2
5.8
(5.2, 6.4)
-0.5
(-1.3, 0.4)
Other
NA
NA
NA
NA
NA
U.S.-born
6.0
5.6
(5.4, 5.9)
-0.4*
(-0.8, 0.0)
Foreign-born citizen
5.5
4.9
(4.1, 5.7)
-0.6
(-1.8, 0.5)
Foreign-born non-citizen
7.3
6.1
(5.0, 7.3)
-1.2
(-2.7, 0.4)
Spanish is not only language spoken
6.1
5.6
(5.3, 5.8)
-0.5*
(-0.9, -0.1)
Spanish is only language spoken
6.3
6.1
(4.8, 7.8)
-0.1
(-2.6, 2.3)
7.6
6.6
(6.1, 7.1)
-1.1*
(-1.9, -0.2)
Characteristics
Employment status
Homeownership
Household type
Nativity
Spanish only language spoken
Metropolitan status
Metropolitan area - principal city
Metropolitan area - balance
5.6
5.1
(4.7, 5.5)
-0.5*
(-1.0, 0.0)
Not in metropolitan area
4.9
4.4
(3.9, 5.1)
-0.4
(-1.4, 0.5)
Not identified
5.8
6.2
(5.5, 7.1)
0.4
(-0.5, 1.4)
Northeast
5.9
5.4
(4.7, 6.1)
-0.6
(-1.5, 0.4)
Midwest
5.4
5.2
(4.7, 5.7)
-0.2
(-0.9, 0.4)
South
6.0
5.7
(5.2, 6.2)
-0.3
(-1.1, 0.4)
West
7.0
6.0
(5.5, 6.6)
-1.0*
(-1.8, -0.2)
Geographic region
Excludes households with missing information on whether the household used one or more mainstream credit products; used credit AFS; applied for, was denied,
or felt discouraged about applying for a credit card or bank personal loan; or fell behind on bills. * indicates differences that are statistically significant at the 10%
level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly
greater than zero. Estimates do not always reconcile to totals because of rounding.
125 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
F.8 Fell Behind on Bills by Banking Status and Household Characteristics, 2015-2017
For all households
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
16.9
14.5
(14.0, 14.9)
-2.4*
(-3.0, -1.8)
Unbanked
42.2
39.9
(37.6, 42.3)
-2.3
(-5.5, 0.9)
Banked: Underbanked
32.5
29.1
(27.9, 30.3)
-3.4*
(-5.0, -1.7)
Banked: Fully banked
10.0
8.3
(8.0, 8.7)
-1.7*
(-2.1, -1.1)
Banked: Underbanked status unknown
NA
NA
NA
NA
NA
Less than $15,000
32.0
27.3
(25.8, 28.8)
-4.7*
(-6.7, -2.7)
$15,000 to $30,000
24.8
22.9
(21.7, 24.3)
-1.9*
(-3.6, -0.1)
$30,000 to $50,000
18.3
16.7
(15.7, 17.7)
-1.6*
(-2.9, -0.3)
$50,000 to $75,000
13.6
12.1
(11.3, 12.9)
-1.6*
(-2.8, -0.3)
At least $75,000
7.1
6.3
(5.8, 6.8)
-0.8*
(-1.5, -0.1)
No high school diploma
25.5
22.3
(20.9, 23.7)
-3.3*
(-5.2, -1.3)
High school diploma
21.2
17.3
(16.5, 18.1)
-4.0*
(-5.1, -2.8)
Some college
19.5
18.1
(17.3, 18.9)
-1.4*
(-2.5, -0.3)
College degree
8.6
7.6
(7.1, 8.1)
-1.0*
(-1.8, -0.3)
15 to 24 years
20.8
20.5
(18.6, 22.5)
-0.3
(-3.1, 2.5)
25 to 34 years
22.0
18.0
(16.9, 19.2)
-4.0*
(-5.6, -2.4)
35 to 44 years
21.7
19.0
(18.0, 20.1)
-2.7*
(-4.2, -1.1)
45 to 54 years
19.7
17.2
(16.3, 18.2)
-2.4*
(-3.9, -1.0)
55 to 64 years
16.0
13.6
(12.8, 14.5)
-2.4*
(-3.6, -1.3)
65 years or more
7.6
6.5
(6.0, 7.0)
-1.1*
(-1.9, -0.4)
Black
30.7
27.2
(25.7, 28.8)
-3.5*
(-5.8, -1.1)
Hispanic
23.0
18.9
(17.7, 20.2)
-4.1*
(-5.9, -2.2)
Asian
8.8
7.2
(6.0, 8.6)
-1.6
(-3.4, 0.1)
White
13.4
11.3
(10.9, 11.8)
-2.1*
(-2.7, -1.5)
Other
25.7
24.1
(20.5, 28.1)
-1.6
(-7.2, 4.0)
Disabled, age 25 to 64
34.2
30.9
(29.1, 32.7)
-3.3*
(-5.5, -1.1)
Not disabled, age 25 to 64
17.6
14.8
(14.3, 15.4)
-2.8*
(-3.5, -2.0)
Not applicable (not age 25 to 64)
9.9
8.9
(8.3, 9.5)
-1.1*
(-1.9, -0.2)
Income was about the same each month
13.5
11.9
(11.4, 12.3)
-1.7*
(-2.3, -1.0)
Income varied somewhat from month to month
24.8
21.0
(19.8, 22.2)
-3.8*
(-5.5, -2.1)
Income varied a lot from month to month
41.8
35.5
(32.8, 38.2)
-6.4*
(-10.4, -2.3)
Unknown
NA
NA
NA
NA
NA
Employed
16.8
14.5
(14.0, 15.1)
-2.3*
(-3.0, -1.5)
Unemployed
41.3
35.3
(32.0, 38.8)
-6.0*
(-10.8, -1.3)
Not in labor force
15.0
12.8
(12.1, 13.5)
-2.2*
(-3.2, -1.3)
Characteristics
All
Unbanked and underbanked
Family income
Education
Age group
Race/Ethnicity
Disability status
Monthly income volatility
Employment status
126
F.8 Fell Behind on Bills by Banking Status and Household Characteristics, 2015-2017
For all households
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
Homeowner
11.5
9.5
(9.1, 9.9)
-2.0*
(-2.7, -1.4)
Non-homeowner
26.3
23.2
(22.4, 24.1)
-3.1*
(-4.2, -1.9)
Married couple
12.8
10.2
(9.7, 10.7)
-2.6*
(-3.4, -1.8)
Unmarried female-headed family
34.0
31.0
(29.4, 32.7)
-3.0*
(-5.3, -0.7)
Unmarried male-headed family
25.2
19.6
(17.5, 21.8)
-5.6*
(-8.5, -2.6)
Female individual
14.6
13.9
(13.0, 14.9)
-0.7
(-2.0, 0.6)
Male individual
16.0
14.3
(13.4, 15.2)
-1.8*
(-3.1, -0.4)
Other
NA
NA
NA
NA
NA
U.S.-born
16.9
14.5
(14.0, 14.9)
-2.4*
(-3.1, -1.8)
Foreign-born citizen
13.6
12.7
(11.3, 14.3)
-0.8
(-3.0, 1.3)
Foreign-born non-citizen
20.5
16.5
(14.9, 18.2)
-4.1*
(-6.6, -1.6)
Spanish is not only language spoken
16.7
14.3
(13.8, 14.7)
-2.5*
(-3.1, -1.9)
Spanish is only language spoken
24.2
19.3
(17.1, 21.8)
-4.8*
(-9.0, -0.7)
Metropolitan area - principal city
19.0
16.5
(15.8, 17.3)
-2.4*
(-3.6, -1.3)
Metropolitan area - balance
15.0
12.5
(11.8, 13.2)
-2.5*
(-3.4, -1.7)
Not in metropolitan area
18.7
14.9
(14.0, 15.9)
-3.8*
(-5.3, -2.2)
Not identified
16.7
15.6
(14.5, 16.8)
-1.1
(-2.5, 0.4)
Northeast
17.1
14.8
(13.9, 15.8)
-2.2*
(-3.6, -0.8)
Midwest
16.6
14.6
(13.8, 15.5)
-2.0*
(-3.3, -0.6)
South
17.7
14.6
(14.0, 15.3)
-3.1*
(-4.0, -2.1)
West
15.7
13.8
(13.0, 14.6)
-2.0*
(-3.1, -0.8)
Characteristics
Homeownership
Household type
Nativity
Spanish only language spoken
Metropolitan status
Geographic region
Excludes households with missing information on whether the household used one or more mainstream credit products; used credit AFS; applied for, was denied,
or felt discouraged about applying for a credit card or bank personal loan; or fell behind on bills. * indicates differences that are statistically significant at the 10%
level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly
greater than zero. Estimates do not always reconcile to totals because of rounding.
127 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
F.9 Denied Credit Card or Bank Personal Loan, Conditional on Applying, by Banking Status and
Household Characteristics, 2015-2017
For all households that applied for a credit card or bank personal loan in the past 12 months
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval, Difference
20.0
19.5
(18.3, 20.7)
-0.5
(-2.2, 1.1)
Unbanked
NA
NA
NA
NA
NA
Banked: Underbanked
32.5
34.2
(31.3, 37.2)
1.7
(-2.1, 5.4)
Banked: Fully banked
14.6
13.7
(12.7, 14.9)
-0.9
(-2.4, 0.6)
Banked: Underbanked status unknown
NA
NA
NA
NA
NA
Less than $15,000
42.0
36.7
(30.7, 43.1)
-5.3
(-13.8, 3.2)
$15,000 to $30,000
35.3
36.7
(32.1, 41.5)
1.3
(-5.3, 8.0)
$30,000 to $50,000
25.9
26.3
(23.0, 29.9)
0.4
(-3.8, 4.7)
$50,000 to $75,000
20.4
18.8
(16.5, 21.4)
-1.6
(-5.0, 1.8)
At least $75,000
10.8
12.4
(11.1, 13.8)
1.6
(-0.4, 3.5)
No high school diploma
35.4
28.3
(22.1, 35.3)
-7.2
(-16.2, 1.8)
High school diploma
25.9
20.5
(17.8, 23.6)
-5.4*
(-9.4, -1.3)
Some college
23.6
26.2
(23.8, 28.8)
2.6
(-0.7, 6.0)
College degree
13.2
14.2
(12.8, 15.8)
1.0
(-1.1, 3.1)
15 to 24 years
32.3
28.8
(23.6, 34.6)
-3.5
(-11.4, 4.4)
25 to 34 years
24.2
20.8
(18.2, 23.6)
-3.4
(-7.4, 0.5)
35 to 44 years
21.9
20.5
(18.1, 23.2)
-1.4
(-5.0, 2.2)
45 to 54 years
18.3
22.0
(19.5, 24.6)
3.7*
(0.3, 7.2)
55 to 64 years
17.0
17.2
(14.7, 20.2)
0.2
(-3.6, 4.0)
65 years or more
11.4
9.3
(7.3, 11.8)
-2.0
(-5.4, 1.4)
Black
28.4
37.6
(32.3, 43.1)
9.2*
(2.2, 16.3)
Hispanic
31.0
25.7
(22.1, 29.7)
-5.3
(-11.4, 0.8)
Asian
16.6
12.9
(9.5, 17.4)
-3.6
(-9.4, 2.1)
White
17.5
16.3
(15.1, 17.5)
-1.3
(-3.0, 0.5)
Other
NA
NA
NA
NA
NA
Disabled, age 25 to 64
32.7
32.8
(28.2, 37.9)
0.1
(-6.4, 6.6)
Not disabled, age 25 to 64
19.3
19.1
(17.8, 20.5)
-0.2
(-2.1, 1.8)
Not applicable (not age 25 to 64)
17.9
16.1
(13.9, 18.6)
-1.8
(-5.4, 1.8)
Income was about the same each month
17.1
17.7
(16.4, 19.1)
0.6
(-1.2, 2.4)
Income varied somewhat from month to month
25.1
22.6
(20.4, 24.9)
-2.6
(-6.2, 1.1)
Income varied a lot from month to month
34.5
30.6
(25.2, 36.7)
-3.8
(-12.2, 4.5)
Unknown
NA
NA
NA
NA
NA
Employed
18.9
19.0
(17.7, 20.3)
0.1
(-1.7, 1.9)
Unemployed
47.4
38.5
(30.3, 47.5)
-8.8
(-21.8, 4.1)
Not in labor force
20.7
18.6
(16.3, 21.1)
-2.1
(-5.3, 1.1)
Characteristics
All
Unbanked and underbanked
Family income
Education
Age group
Race/Ethnicity
Disability status
Monthly income volatility
Employment status
128
F.9 Denied Credit Card or Bank Personal Loan, Conditional on Applying, by Banking Status and
Household Characteristics, 2015-2017
For all households that applied for a credit card or bank personal loan in the past 12 months
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval, Difference
Homeowner
13.7
13.6
(12.4, 14.8)
-0.1
(-1.8, 1.6)
Non-homeowner
32.5
31.0
(28.6, 33.6)
-1.5
(-4.9, 2.0)
Married couple
15.7
15.4
(14.1, 16.7)
-0.3
(-2.3, 1.7)
Unmarried female-headed family
30.8
31.6
(27.4, 36.1)
0.8
(-5.2, 6.8)
Unmarried male-headed family
28.4
26.9
(20.7, 34.1)
-1.5
(-10.1, 7.1)
Female individual
20.0
20.5
(17.5, 23.9)
0.5
(-4.0, 5.0)
Male individual
24.7
21.6
(18.7, 24.9)
-3.1
(-7.3, 1.1)
Other
NA
NA
NA
NA
NA
U.S.-born
19.5
18.9
(17.7, 20.1)
-0.6
(-2.3, 1.1)
Foreign-born citizen
18.5
18.4
(14.4, 23.2)
-0.1
(-6.2, 5.9)
Foreign-born non-citizen
29.5
27.7
(22.6, 33.5)
-1.7
(-9.8, 6.3)
Spanish is not only language spoken
19.7
19.1
(17.9, 20.3)
-0.6
(-2.2, 1.0)
Spanish is only language spoken
NA
NA
NA
NA
NA
Metropolitan area - principal city
22.1
22.4
(20.2, 24.7)
0.3
(-2.8, 3.4)
Metropolitan area - balance
17.6
17.5
(15.8, 19.3)
-0.1
(-2.4, 2.2)
Characteristics
Homeownership
Household type
Nativity
Spanish only language spoken
Metropolitan status
Not in metropolitan area
21.9
16.2
(13.4, 19.5)
-5.7*
(-10.2, -1.3)
Not identified
21.8
21.9
(18.9, 25.1)
0.1
(-4.5, 4.7)
Northeast
18.2
15.9
(13.5, 18.5)
-2.4
(-6.3, 1.5)
Midwest
17.9
19.0
(17.0, 21.2)
1.1
(-2.2, 4.4)
South
21.5
21.1
(19.1, 23.4)
-0.4
(-3.4, 2.5)
West
21.1
20.3
(18.2, 22.6)
-0.8
(-3.9, 2.4)
Geographic region
Excludes households with missing information on whether the household used one or more mainstream credit products; used credit AFS; applied for, was denied,
or felt discouraged about applying for a credit card or bank personal loan; or fell behind on bills. * indicates differences that are statistically significant at the 10%
level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly
greater than zero. Estimates do not always reconcile to totals because of rounding.
129 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
F.10 Credit Characteristics by State, 2017
For all households, row percent
Percent of
Households
Applied for
credit card
or bank
personal loan
(Percent)
Denied credit
card or bank
personal loan
(Percent)
Felt discouraged
about applying
for credit card
or bank
personal loan
(Percent)
Fell behind
on bills
(Percent)
115,124
100.0
14.1
2.8
5.6
14.5
AL
1,821
100.0
6.8
2.1
6.5
13.0
AK
251
100.0
17.4
4.7
5.4
16.3
AZ
2,291
100.0
17.8
3.4
10.1
15.4
AR
1,114
100.0
9.6
2.4
5.1
13.8
CA
12,838
100.0
15.9
3.6
5.9
13.9
CO
1,945
100.0
12.9
1.3
6.1
11.6
CT
1,240
100.0
15.4
2.3
5.2
13.2
DE
339
100.0
10.6
3.4
3.6
15.7
DC
293
100.0
17.6
3.3
4.8
15.9
FL
7,473
100.0
13.0
3.3
5.3
12.2
GA
3,710
100.0
10.8
2.7
7.2
14.0
HI
453
100.0
12.3
1.9
3.0
8.8
ID
611
100.0
20.1
3.2
6.3
12.9
IL
4,465
100.0
13.2
3.3
6.6
13.5
IN
2,501
100.0
16.1
3.0
5.8
18.5
IA
1,161
100.0
14.4
2.2
2.6
9.6
KS
1,090
100.0
11.8
3.5
8.3
15.6
KY
1,736
100.0
11.6
3.3
7.7
13.0
LA
1,812
100.0
8.2
1.4
5.5
19.3
ME
505
100.0
12.9
2.8
5.9
18.0
MD
2,026
100.0
18.4
1.7
5.4
13.9
MA
2,330
100.0
13.1
1.7
5.4
12.7
MI
3,740
100.0
15.1
2.2
4.6
13.3
MN
2,215
100.0
16.7
3.4
4.0
10.6
MS
1,112
100.0
6.3
1.5
4.0
19.3
MO
2,240
100.0
14.1
2.1
3.5
16.8
MT
414
100.0
12.3
2.5
3.9
13.2
NE
716
100.0
16.4
3.6
6.0
16.8
NV
1,007
100.0
13.1
3.2
5.3
9.2
NH
485
100.0
15.4
2.8
4.6
14.4
NJ
3,135
100.0
15.3
2.8
6.5
12.6
NM
803
100.0
8.8
2.4
5.0
17.3
NY
6,981
100.0
12.3
2.0
4.6
15.1
NC
3,756
100.0
12.1
1.8
4.7
13.2
ND
313
100.0
14.7
2.5
3.9
11.2
OH
4,160
100.0
16.3
3.4
5.8
17.4
Geography
All
Number of
Households
(1000s)
State
130
F.10 Credit Characteristics by State, 2017
For all households, row percent
Percent of
Households
Applied for
credit card
or bank
personal loan
(Percent)
Denied credit
card or bank
personal loan
(Percent)
Felt discouraged
about applying
for credit card
or bank
personal loan
(Percent)
Fell behind
on bills
(Percent)
1,456
100.0
15.6
2.9
3.4
18.5
OR
1,478
100.0
19.2
4.2
6.9
17.9
PA
4,761
100.0
19.5
2.8
6.0
17.0
RI
395
100.0
10.4
2.6
3.3
18.5
SC
1,918
100.0
9.7
1.9
5.2
14.9
SD
309
100.0
12.5
2.0
3.6
15.8
TN
2,398
100.0
12.2
1.8
5.4
16.4
TX
9,451
100.0
12.9
2.9
6.3
16.0
UT
939
100.0
22.7
4.5
4.4
13.7
VT
241
100.0
13.2
2.4
3.1
11.4
VA
2,908
100.0
16.2
3.2
5.7
12.6
WA
2,681
100.0
18.4
2.7
4.8
12.6
WV
678
100.0
8.4
2.3
4.1
16.6
WI
2,201
100.0
13.3
1.3
4.2
13.5
WY
228
100.0
12.7
2.3
4.1
15.5
Number of
Households
(1000s)
OK
Geography
Excludes households with missing information on whether the household used one or more mainstream credit products; used credit AFS; applied for, was denied, or felt
discouraged about applying for a credit card or bank personal loan; or fell behind on bills. NA indicates that the sample size is too small to produce a precise estimate.
- indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
131 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
F.11 Credit Characteristics by MSA, 2017
For all households, row percent
Percent of
Households
Applied for
credit card
or bank
personal loan
(Percent)
Denied credit
card or bank
personal loan
(Percent)
Felt discouraged
about applying
for credit card
or bank
personal loan
(Percent)
Fell behind
on bills
(Percent)
115,124
100.0
14.1
2.8
5.6
14.5
382
100.0
11.4
3.0
4.8
14.2
2,100
100.0
11.8
3.1
7.3
14.4
Austin-Round Rock, TX
695
100.0
15.5
1.9
5.6
13.1
Baltimore-Columbia-Towson, MD
936
100.0
19.5
1.6
7.3
15.3
Baton Rouge, LA
325
100.0
6.2
-
3.7
7.7
Billings, MT~
63
100.0
4.3
-
-
10.8
Birmingham-Hoover, AL
410
100.0
6.1
0.7
5.6
9.2
Boise City, ID
227
100.0
20.5
1.4
5.1
3.7
1,613
100.0
17.4
2.5
5.5
12.4
Burlington-South Burlington, VT~
NA
NA
NA
NA
NA
NA
Charlotte-Concord-Gastonia, NC-SC~
982
100.0
16.1
1.8
2.1
15.7
Geography
All
Number of
Households
(1000s)
MSA
Albuquerque, NM
Atlanta-Sandy Springs-Roswell, GA~
Boston-Cambridge-Newton, MA-NH~
3,134
100.0
14.2
3.6
5.8
12.0
Cincinnati, OH-KY-IN~
Chicago-Naperville-Elgin, IL-IN-WI
728
100.0
13.4
2.0
3.4
14.5
Cleveland-Elyria, OH
833
100.0
18.4
6.0
7.2
20.1
Columbus, OH~
679
100.0
20.1
2.4
7.0
11.5
Dallas-Fort Worth-Arlington, TX~
2,447
100.0
14.3
4.3
9.4
14.1
Denver-Aurora-Lakewood, CO
1,071
100.0
12.9
1.1
7.3
14.3
Detroit-Warren-Dearborn, MI
1,684
100.0
16.1
3.2
5.1
11.9
Fargo, ND-MN
75
100.0
16.9
2.8
3.5
10.6
Greenville-Anderson-Mauldin, SC~
439
100.0
5.8
1.0
0.9
11.3
Hartford-West Hartford-East Hartford, CT~
471
100.0
11.5
2.2
3.8
7.9
Houston-The Woodlands-Sugar Land, TX~
2,372
100.0
14.4
1.7
4.3
16.6
Huntington-Ashland, WV-KY-OH~
NA
NA
NA
NA
NA
NA
Indianapolis-Carmel-Anderson, IN~
861
100.0
17.5
1.7
5.4
21.3
Jackson, MS~
258
100.0
5.1
2.0
1.0
12.3
Kansas City, MO-KS~
730
100.0
20.8
5.4
5.3
15.7
Knoxville, TN~
374
100.0
10.9
1.8
5.4
16.6
Las Vegas-Henderson-Paradise, NV
763
100.0
10.2
3.7
5.0
9.4
Little Rock-North Little Rock-Conway, AR
317
100.0
12.7
2.0
5.7
16.4
4,065
100.0
14.8
3.5
5.7
13.5
Louisville/Jefferson County, KY-IN~
603
100.0
13.2
2.0
9.5
14.5
Manchester-Nashua, NH~
149
100.0
13.3
2.4
4.7
11.8
Memphis, TN-MS-AR~
535
100.0
9.2
-
5.6
21.2
2,010
100.0
12.3
5.2
5.0
10.6
534
100.0
12.7
1.7
2.8
10.6
1,426
100.0
16.6
4.5
3.8
9.4
Los Angeles-Long Beach-Anaheim, CA
Miami-Fort Lauderdale-West Palm Beach, FL
Milwaukee-Waukesha-West Allis, WI
Minneapolis-St. Paul-Bloomington, MN-WI~
132
F.11 Credit Characteristics by MSA, 2017
For all households, row percent
Percent of
Households
Applied for
credit card
or bank
personal loan
(Percent)
Denied credit
card or bank
personal loan
(Percent)
Felt discouraged
about applying
for credit card
or bank
personal loan
(Percent)
Fell behind
on bills
(Percent)
562
100.0
12.8
1.3
6.1
15.3
484
100.0
11.2
2.3
5.4
16.1
6,929
100.0
12.9
2.3
5.4
14.6
Oklahoma City, OK
479
100.0
21.5
2.2
4.9
17.4
Omaha-Council Bluffs, NE-IA
394
100.0
18.7
4.8
5.9
16.8
Orlando-Kissimmee-Sanford, FL
1,022
100.0
11.1
0.8
3.3
12.0
Philadelphia-Camden-Wilmington, PA-NJDE-MD
2,235
100.0
21.8
2.5
6.5
15.9
Phoenix-Mesa-Scottsdale, AZ
1,498
100.0
18.4
3.9
10.2
15.4
Pittsburgh, PA
935
100.0
23.9
3.9
6.4
14.2
Portland-South Portland, ME~
175
100.0
10.3
1.7
6.6
15.1
Portland-Vancouver-Hillsboro, OR-WA
828
100.0
20.3
3.4
6.0
15.6
Providence-Warwick, RI-MA~
523
100.0
10.2
2.0
2.5
16.7
1,327
100.0
12.9
2.9
5.9
13.0
943
100.0
14.3
5.9
5.4
15.4
St. Louis, MO-IL~
1,131
100.0
15.4
2.3
4.1
17.0
Salisbury, MD-DE~
NA
NA
NA
NA
NA
NA
Salt Lake City, UT~
440
100.0
24.8
6.2
4.2
12.7
San Antonio-New Braunfels, TX
902
100.0
10.9
4.0
3.5
15.4
San Diego-Carlsbad, CA
1,371
100.0
16.5
3.9
6.7
11.3
San Francisco-Oakland-Hayward, CA
1,540
100.0
23.7
3.5
4.3
9.2
San Jose-Sunnyvale-Santa Clara, CA
566
100.0
18.8
5.6
10.6
12.3
1,454
100.0
23.5
3.2
4.4
9.4
103
100.0
14.9
4.8
4.9
16.3
1,225
100.0
16.2
4.1
3.8
9.5
Tulsa, OK
417
100.0
14.1
2.2
3.9
16.6
Urban Honolulu, HI
328
100.0
13.5
1.7
2.3
7.9
Virginia Beach-Norfolk-Newport News,
VA-NC~
616
100.0
9.3
1.7
5.3
14.9
2,094
100.0
20.8
3.0
4.9
11.3
Wichita, KS~
326
100.0
12.8
2.8
10.6
25.9
Worcester, MA-CT~
364
100.0
7.5
1.2
7.5
19.0
Number of
Households
(1000s)
Nashville-Davidson-Murfreesboro-Franklin,
TN~
New Orleans-Metairie, LA~
Geography
New York-Newark-Jersey City, NY-NJ-PA~
Riverside-San Bernardino-Ontario, CA
Sacramento-Roseville-Arden-Arcade, CA
Seattle-Tacoma-Bellevue, WA
Sioux Falls, SD
Tampa-St. Petersburg-Clearwater, FL
Washington-Arlington-Alexandria, DC-VAMD-WV~
Excludes households with missing information on whether the household used one or more mainstream credit products; used credit AFS; applied for, was denied,
or felt discouraged about applying for a credit card or bank personal loan; or fell behind on bills. ~ indicates areas with geographic boundary changes between the
2013 and 2015 surveys. See Appendix 1 (FDIC Technical Notes) for details. NA indicates that the sample size is too small to produce a precise estimate.
- indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
133 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
G.1 M
ethods Used to Pay Bills and Receive Income in a Typical Month, 2015-2017
(2015 Sample Selection)
For all households that paid bills and received income in a typical month
2015
(Percent)
2017
(Percent)
90% Confidence
Interval, 2017
Difference
(2017-2015)
90% Confidence
Interval,
Difference
Electronic payment from bank account
64.3
66.5
(65.9, 67.0)
2.2*
(1.5, 3.0)
Personal check
61.2
59.8
(59.2, 60.4)
-1.4*
(-2.2, -0.7)
Debit card
39.7
46.2
(45.6, 46.8)
6.5*
(5.6, 7.3)
Credit card
21.3
24.3
(23.8, 24.8)
3.0*
(2.3, 3.6)
Bank money order or cashiers check
5.7
5.7
(5.4, 6.0)
0.0
(-0.4, 0.4)
Cash
16.7
16.0
(15.6, 16.4)
-0.6*
(-1.2, 0.0)
A. Paying bills
Nonbank money order
7.6
6.8
(6.5, 7.1)
-0.8*
(-1.2, -0.4)
Prepaid card
2.4
2.2
(2.1, 2.4)
-0.2
(-0.4, 0.0)
Other
1.4
1.3
(1.2, 1.5)
-0.1
(-0.3, 0.1)
None selected
1.9
2.2
(2.1, 2.4)
0.3*
(0.1, 0.6)
Any bank method
91.4
91.7
(91.4, 92.0)
0.3
(-0.1, 0.8)
Only bank methods
75.5
76.3
(75.9, 76.8)
0.8*
(0.1, 1.4)
Direct deposit or electronic transfer into
bank account
81.3
84.0
(83.5, 84.4)
2.7*
(2.1, 3.3)
Paper check or money order
29.1
26.7
(26.2, 27.1)
-2.4*
(-3.1, -1.7)
Cash
8.2
7.7
(7.4, 8.0)
-0.5*
(-1.0, 0.0)
Direct deposit or electronic transfer onto
prepaid card
3.9+
3.3
(3.1, 3.5)
Other
1.8+
1.8
(1.6, 1.9)
Used nonbank check casher
2.1
1.9
(1.7, 2.0)
-0.2*
(-0.4, 0.0)
None selected
5.8+
4.6
(4.3, 4.9)
Any bank method
88.5
90.2
(89.8, 90.5)
1.7*
(1.2, 2.2)
79.2+
81.4
(80.9, 81.9)
B. Receiving income
Only bank methods
Excludes households with missing information on use of prepaid cards or nonbank money orders or check cashers in the past 12 months, on methods used to pay bills
or receive income, or where the household volunteered that it did not pay bills or receive income in a typical month. The 2017 estimates presented here differ from those
presented elsewhere in the 2017 report and appendix tables. Specifically, in the 2015 and 2017 surveys households could volunteer that they did not pay bills, but in the
2017 survey households that did not select a bill payment method and that did not volunteer that they did not pay bills were explicitly asked whether they paid bills (a
similar question was asked for income receipt). To more directly compare the 2015 and 2017 estimates, in this table households that indicated that they did not pay bills
or receive income when explicitly asked are not excluded from the 2017 estimates, as they are elsewhere in the 2017 report and appendix tables. + indicates estimates
that were computed in part using imputed values or that cannot be compared over time because of an issue with the administration of the 2015 survey instrument. See
Appendix 1 of the 2015 report for additional details. In these cases, estimated differences between 2015 and 2017 are not calculated. * indicates differences that are
statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population
proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
134
G.2 Methods Used to Pay Bills in a Typical Month by Banking Status, 2017
For all households that paid bills and received income in a typical month, column percent
All
Unbanked
Banked:
Underbanked
Banked: Fully
banked
111,477
5,380
22,856
82,923
100.0
100.0
100.0
100.0
Yes
68.4
2.5
67.2
73.0
No
31.6
97.5
32.8
27.0
Yes
61.3
1.2
52.0
67.8
No
38.7
98.8
48.0
32.2
Yes
47.3
3.1
63.1
45.9
No
52.7
96.9
36.9
54.1
Characteristics
Number of Households (1000s)
Percent of Households
Electronic payment from bank account (Percent)
Personal check (Percent)
Debit card (Percent)
Credit card (Percent)
Yes
24.8
8.4
25.0
25.8
No
75.2
91.6
75.0
74.2
Yes
5.7
13.0
11.8
3.5
No
94.3
87.0
88.2
96.5
Yes
15.9
66.1
26.2
9.8
No
84.1
33.9
73.8
90.2
Yes
6.9
39.1
24.2
-
No
93.1
60.9
75.8
100.0
Yes
2.3
22.1
4.0
0.5
No
97.7
77.9
96.0
99.5
Yes
1.2
8.0
1.3
0.7
No
98.8
92.0
98.7
99.3
Yes
0.5
3.3
0.3
0.4
No
99.5
96.7
99.7
99.6
Yes
93.8
22.7
94.0
98.4
No
6.2
77.3
6.0
1.6
Bank money order or cashiers check (Percent)
Cash (Percent)
Nonbank money order (Percent)
Prepaid card (Percent)
Other (Percent)
None selected (Percent)
Any bank method (Percent)
Only bank methods (Percent)
Yes
78.2
6.2
56.6
88.8
No
21.8
93.8
43.4
11.2
Excludes households with missing information on use of prepaid cards or nonbank money orders or check cashers in the past 12 months, on methods used to pay
bills or receive income, or where the household indicated that it did not pay bills or receive income in a typical month. NA indicates that the sample size is too small
to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to
totals because of rounding.
135 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
G.3 Methods Used to Receive Income in a Typical Month by Banking Status, 2017
For all households that paid bills and received income in a typical month, column percent
All
Unbanked
Banked:
Underbanked
Banked: Fully
banked
111,477
5,380
22,856
82,923
100.0
100.0
100.0
100.0
Yes
86.7
5.6
86.6
92.0
No
13.3
94.4
13.4
8.0
Yes
27.6
45.4
30.8
25.6
No
72.4
54.6
69.2
74.4
Yes
7.9
26.5
10.5
6.0
No
92.1
73.5
89.5
94.0
Characteristics
Number of Households (1000s)
Percent of Households
Direct deposit or electronic transfer into bank account (Percent)
Paper check or money order (Percent)
Cash (Percent)
Direct deposit or electronic transfer onto prepaid card (Percent)
Yes
3.4
23.3
5.0
1.6
No
96.6
76.7
95.0
98.4
Yes
1.8
10.6
1.9
1.2
No
98.2
89.4
98.1
98.8
Yes
1.9
23.7
3.8
-
No
98.1
76.3
96.2
100.0
Yes
1.6
10.5
1.3
1.1
No
98.4
89.5
98.7
98.9
Yes
93.2
5.6
95.3
98.2
No
6.8
94.4
4.7
1.8
Yes
84.1
2.6
80.0
90.5
No
15.9
97.4
20.0
9.5
Other (Percent)
Used nonbank check casher (Percent)
None selected (Percent)
Any bank method (Percent)
Only bank methods (Percent)
Excludes households with missing information on use of prepaid cards or nonbank money orders or check cashers in the past 12 months, on methods used to pay
bills or receive income, or where the household indicated that it did not pay bills or receive income in a typical month. NA indicates that the sample size is too small
to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to
totals because of rounding.
136
G.4 M
ethods Used to Pay Bills in a Typical Month by Income, 2017
For all households that paid bills and received income in a typical month, column percent
All
Less than
$15,000
$15,000 to
$30,000
$30,000 to
$50,000
$50,000 to
$75,000
At least
$75,000
111,477
12,049
16,448
22,252
21,118
39,611
100.0
100.0
100.0
100.0
100.0
100.0
Yes
68.4
37.8
48.6
62.4
75.2
85.6
No
31.6
62.2
51.4
37.6
24.8
14.4
Yes
61.3
44.1
56.1
62.2
64.4
66.6
No
38.7
55.9
43.9
37.8
35.6
33.4
Yes
47.3
36.7
44.6
50.5
53.1
46.9
No
52.7
63.3
55.4
49.5
46.9
53.1
Yes
24.8
13.4
16.0
21.0
25.6
33.7
No
75.2
86.6
84.0
79.0
74.4
66.3
Yes
5.7
10.0
8.4
6.5
4.8
3.3
No
94.3
90.0
91.6
93.5
95.2
96.7
Yes
15.9
33.7
26.3
19.1
11.1
7.0
No
84.1
66.3
73.7
80.9
88.9
93.0
Yes
6.9
17.4
13.0
8.3
4.3
1.6
No
93.1
82.6
87.0
91.7
95.7
98.4
Yes
2.3
6.1
4.3
2.6
1.3
0.5
No
97.7
93.9
95.7
97.4
98.7
99.5
Yes
1.2
2.9
2.2
1.0
0.8
0.7
No
98.8
97.1
97.8
99.0
99.2
99.3
Yes
0.5
1.2
0.7
0.5
0.5
0.2
No
99.5
98.8
99.3
99.5
99.5
99.8
Yes
93.8
75.2
87.8
94.4
98.2
99.3
No
6.2
24.8
12.2
5.6
1.8
0.7
Yes
78.2
52.2
64.0
74.6
84.1
90.8
No
21.8
47.8
36.0
25.4
15.9
9.2
Characteristics
Number of Households (1000s)
Percent of Households
Electronic payment from bank account (Percent)
Personal check (Percent)
Debit card (Percent)
Credit card (Percent)
Bank money order or cashiers check (Percent)
Cash (Percent)
Nonbank money order (Percent)
Prepaid card (Percent)
Other (Percent)
None selected (Percent)
Any bank method (Percent)
Only bank methods (Percent)
Excludes households with missing information on use of prepaid cards or nonbank money orders or check cashers in the past 12 months, on methods used to pay
bills or receive income, or where the household indicated that it did not pay bills or receive income in a typical month. NA indicates that the sample size is too small
to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to
totals because of rounding.
137 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
G.5 Methods Used to Receive Income in a Typical Month by Income, 2017
For all households that paid bills and received income in a typical month, column percent
Characteristics
Number of Households (1000s)
Percent of Households
All
Less than
$15,000
$15,000 to
$30,000
$30,000 to
$50,000
$50,000 to
$75,000
At least
$75,000
111,477
12,049
16,448
22,252
21,118
39,611
100.0
100.0
100.0
100.0
100.0
100.0
Direct deposit or electronic transfer into bank
account (Percent)
Yes
86.7
69.2
76.0
85.5
91.0
94.9
No
13.3
30.8
24.0
14.5
9.0
5.1
Yes
27.6
23.8
28.7
28.7
27.3
27.9
No
72.4
76.2
71.3
71.3
72.7
72.1
Yes
7.9
12.4
10.3
8.8
6.7
5.7
No
92.1
87.6
89.7
91.2
93.3
94.3
Paper check or money order (Percent)
Cash (Percent)
Direct deposit or electronic transfer onto prepaid card
(Percent)
Yes
3.4
8.7
5.0
3.3
2.1
1.8
No
96.6
91.3
95.0
96.7
97.9
98.2
Yes
1.8
4.4
2.3
1.7
1.2
1.3
No
98.2
95.6
97.7
98.3
98.8
98.7
Yes
1.9
4.4
4.5
2.3
0.9
0.5
No
98.1
95.6
95.5
97.7
99.1
99.5
Yes
1.6
4.6
2.4
1.2
1.3
0.8
No
98.4
95.4
97.6
98.8
98.7
99.2
Other (Percent)
Used nonbank check casher (Percent)
None selected (Percent)
Any bank method (Percent)
Yes
93.2
75.8
86.0
93.9
97.4
98.8
No
6.8
24.2
14.0
6.1
2.6
1.2
Yes
84.1
66.4
76.5
83.6
88.4
90.5
No
15.9
33.6
23.5
16.4
11.6
9.5
Only bank methods (Percent)
Excludes households with missing information on use of prepaid cards or nonbank money orders or check cashers in the past 12 months, on methods used to pay
bills or receive income, or where the household indicated that it did not pay bills or receive income in a typical month. NA indicates that the sample size is too small
to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to
totals because of rounding.
138
G.6 Methods Used to Pay Bills in a Typical Month by Education, 2017
For all households that paid bills and received income in a typical month, column percent
All
No high school
diploma
High school
diploma
Some college
College degree
111,477
9,676
28,164
32,483
41,155
100.0
100.0
100.0
100.0
100.0
Yes
68.4
32.8
56.1
71.4
82.7
No
31.6
67.2
43.9
28.6
17.3
Yes
61.3
46.1
61.1
61.0
65.2
No
38.7
53.9
38.9
39.0
34.8
Yes
47.3
36.3
46.6
53.6
45.5
No
52.7
63.7
53.4
46.4
54.5
Yes
24.8
12.0
17.1
21.7
35.7
No
75.2
88.0
82.9
78.3
64.3
Characteristics
Number of Households (1000s)
Percent of Households
Electronic payment from bank account
(Percent)
Personal check (Percent)
Debit card (Percent)
Credit card (Percent)
Bank money order or cashiers check
(Percent)
Yes
5.7
10.6
6.5
6.0
3.7
No
94.3
89.4
93.5
94.0
96.3
Yes
15.9
38.7
20.2
16.3
7.3
No
84.1
61.3
79.8
83.7
92.7
Yes
6.9
16.7
9.2
7.5
2.4
No
93.1
83.3
90.8
92.5
97.6
Cash (Percent)
Nonbank money order (Percent)
Prepaid card (Percent)
Yes
2.3
4.5
3.4
2.5
0.7
No
97.7
95.5
96.6
97.5
99.3
Yes
1.2
3.0
1.4
1.1
0.8
No
98.8
97.0
98.6
98.9
99.2
Yes
0.5
1.2
0.7
0.4
0.3
No
99.5
98.8
99.3
99.6
99.7
Yes
93.8
75.3
91.3
95.2
98.8
No
6.2
24.7
8.7
4.8
1.2
Yes
78.2
49.7
72.1
77.4
89.7
No
21.8
50.3
27.9
22.6
10.3
Other (Percent)
None selected (Percent)
Any bank method (Percent)
Only bank methods (Percent)
Excludes households with missing information on use of prepaid cards or nonbank money orders or check cashers in the past 12 months, on methods used to pay
bills or receive income, or where the household indicated that it did not pay bills or receive income in a typical month. NA indicates that the sample size is too small
to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to
totals because of rounding.
139 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
G.7 Methods Used to Receive Income in a Typical Month by Education, 2017
For all households that paid bills and received income in a typical month, column percent
All
No high school
diploma
High school
diploma
Some college
College degree
111,477
9,676
28,164
32,483
41,155
100.0
100.0
100.0
100.0
100.0
Yes
86.7
66.8
81.9
87.9
93.8
No
13.3
33.2
18.1
12.1
6.2
Yes
27.6
31.6
29.1
27.5
25.8
No
72.4
68.4
70.9
72.5
74.2
Yes
7.9
14.5
8.4
8.2
5.9
No
92.1
85.5
91.6
91.8
94.1
Yes
3.4
5.6
4.4
3.7
1.9
No
96.6
94.4
95.6
96.3
98.1
Characteristics
Number of Households (1000s)
Percent of Households
Direct deposit or electronic transfer
into bank account (Percent)
Paper check or money order (Percent)
Cash (Percent)
Direct deposit or electronic transfer
onto prepaid card (Percent)
Other (Percent)
Yes
1.8
2.7
2.1
1.6
1.6
No
98.2
97.3
97.9
98.4
98.4
Used nonbank check casher (Percent)
Yes
1.9
4.9
3.1
1.9
0.5
No
98.1
95.1
96.9
98.1
99.5
None selected (Percent)
Yes
1.6
4.0
2.2
1.4
0.8
No
98.4
96.0
97.8
98.6
99.2
Yes
93.2
77.1
90.3
94.2
98.1
No
6.8
22.9
9.7
5.8
1.9
Yes
84.1
67.9
80.9
84.3
89.9
No
15.9
32.1
19.1
15.7
10.1
Any bank method (Percent)
Only bank methods (Percent)
Excludes households with missing information on use of prepaid cards or nonbank money orders or check cashers in the past 12 months, on methods used to pay
bills or receive income, or where the household indicated that it did not pay bills or receive income in a typical month. NA indicates that the sample size is too small
to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to
totals because of rounding.
140
G.8 M
ethods Used to Pay Bills in a Typical Month by Age, 2017
For all households that paid bills and received income in a typical month, column percent
All
15 to 24
years
25 to 34
years
35 to 44
years
45 to 54
years
55 to 64
years
65 years or
more
111,477
5,800
18,386
18,549
20,051
21,160
27,531
100.0
100.0
100.0
100.0
100.0
100.0
100.0
Yes
68.4
67.1
75.8
75.3
73.7
67.3
55.9
No
31.6
32.9
24.2
24.7
26.3
32.7
44.1
Yes
61.3
43.5
46.5
54.3
60.8
66.3
76.3
No
38.7
56.5
53.5
45.7
39.2
33.7
23.7
Yes
47.3
63.0
62.9
56.0
51.1
42.1
29.1
No
52.7
37.0
37.1
44.0
48.9
57.9
70.9
Yes
24.8
23.3
29.1
27.4
24.0
22.9
22.7
No
75.2
76.7
70.9
72.6
76.0
77.1
77.3
Yes
5.7
9.4
7.3
6.3
6.0
5.1
3.6
No
94.3
90.6
92.7
93.7
94.0
94.9
96.4
Yes
15.9
23.9
20.1
18.4
16.1
15.6
9.8
No
84.1
76.1
79.9
81.6
83.9
84.4
90.2
Yes
6.9
13.7
9.1
7.9
6.5
6.6
3.6
No
93.1
86.3
90.9
92.1
93.5
93.4
96.4
Characteristics
Number of Households (1000s)
Percent of Households
Electronic payment from bank
account (Percent)
Personal check (Percent)
Debit card (Percent)
Credit card (Percent)
Bank money order or cashiers check
(Percent)
Cash (Percent)
Nonbank money order (Percent)
Prepaid card (Percent)
Yes
2.3
3.4
3.2
3.3
2.7
1.9
0.7
No
97.7
96.6
96.8
96.7
97.3
98.1
99.3
Yes
1.2
1.0
1.3
1.2
1.1
0.8
1.7
No
98.8
99.0
98.7
98.8
98.9
99.2
98.3
Yes
0.5
0.5
0.4
0.4
0.5
0.5
0.6
No
99.5
99.5
99.6
99.6
99.5
99.5
99.4
Yes
93.8
91.5
92.7
93.0
93.9
93.5
95.8
No
6.2
8.5
7.3
7.0
6.1
6.5
4.2
Yes
78.2
65.9
72.8
75.5
78.1
78.9
85.7
No
21.8
34.1
27.2
24.5
21.9
21.1
14.3
Other (Percent)
None selected (Percent)
Any bank method (Percent)
Only bank methods (Percent)
Excludes households with missing information on use of prepaid cards or nonbank money orders or check cashers in the past 12 months, on methods used to pay
bills or receive income, or where the household indicated that it did not pay bills or receive income in a typical month. NA indicates that the sample size is too small
to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to
totals because of rounding.
141 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
G.9 Methods Used to Receive Income in a Typical Month by Age, 2017
For all households that paid bills and received income in a typical month, column percent
All
15 to 24
years
25 to 34
years
35 to 44
years
45 to 54
years
55 to 64
years
65 years or
more
111,477
5,800
18,386
18,549
20,051
21,160
27,531
100.0
100.0
100.0
100.0
100.0
100.0
100.0
Yes
86.7
81.2
85.1
83.5
85.0
86.1
92.9
No
13.3
18.8
14.9
16.5
15.0
13.9
7.1
Yes
27.6
35.8
27.6
31.5
30.7
28.4
20.5
No
72.4
64.2
72.4
68.5
69.3
71.6
79.5
Yes
7.9
14.4
10.3
10.2
8.3
7.1
3.8
No
92.1
85.6
89.7
89.8
91.7
92.9
96.2
Yes
3.4
6.3
3.6
4.1
4.3
3.1
1.6
No
96.6
93.7
96.4
95.9
95.7
96.9
98.4
Yes
1.8
1.8
1.8
2.0
1.6
2.0
1.7
No
98.2
98.2
98.2
98.0
98.4
98.0
98.3
Characteristics
Number of Households (1000s)
Percent of Households
Direct deposit or electronic
transfer into bank account
(Percent)
Paper check or money order
(Percent)
Cash (Percent)
Direct deposit or electronic
transfer onto prepaid card (Percent)
Other (Percent)
Used nonbank check casher
(Percent)
Yes
1.9
4.5
3.1
2.5
1.8
1.5
0.6
No
98.1
95.5
96.9
97.5
98.2
98.5
99.4
None selected (Percent)
Yes
1.6
1.9
1.1
1.1
1.2
1.6
2.5
No
98.4
98.1
98.9
98.9
98.8
98.4
97.5
Yes
93.2
90.0
91.4
92.0
93.0
93.7
95.6
No
6.8
10.0
8.6
8.0
7.0
6.3
4.4
Yes
84.1
74.3
81.5
81.1
83.2
84.9
89.8
No
15.9
25.7
18.5
18.9
16.8
15.1
10.2
Any bank method (Percent)
Only bank methods (Percent)
Excludes households with missing information on use of prepaid cards or nonbank money orders or check cashers in the past 12 months, on methods used to pay
bills or receive income, or where the household indicated that it did not pay bills or receive income in a typical month. NA indicates that the sample size is too small
to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to
totals because of rounding.
142
G.10 Methods Used to Pay Bills in a Typical Month by Race/Ethnicity, 2017
For all households that paid bills and received income in a typical month, column percent
Characteristics
All
Black
Hispanic
Asian
White
Other
111,477
14,920
13,532
5,552
75,668
1,804
100.0
100.0
100.0
100.0
100.0
100.0
Yes
68.4
55.0
57.2
78.6
72.3
64.1
No
31.6
45.0
42.8
21.4
27.7
35.9
Yes
61.3
45.7
44.6
59.3
67.8
49.7
No
38.7
54.3
55.4
40.7
32.2
50.3
Yes
47.3
54.2
53.6
39.8
45.2
54.9
No
52.7
45.8
46.4
60.2
54.8
45.1
Number of Households (1000s)
Percent of Households
Electronic payment from bank account (Percent)
Personal check (Percent)
Debit card (Percent)
Credit card (Percent)
Yes
24.8
18.3
20.7
44.2
25.6
17.9
No
75.2
81.7
79.3
55.8
74.4
82.1
Bank money order or cashiers check (Percent)
Yes
5.7
11.7
9.4
4.9
3.8
8.6
No
94.3
88.3
90.6
95.1
96.2
91.4
Yes
15.9
27.2
31.8
10.2
11.1
22.4
No
84.1
72.8
68.2
89.8
88.9
77.6
Yes
6.9
18.6
13.0
2.0
3.7
12.1
No
93.1
81.4
87.0
98.0
96.3
87.9
Yes
2.3
6.3
2.2
1.0
1.5
4.4
No
97.7
93.7
97.8
99.0
98.5
95.6
Yes
1.2
1.7
1.8
1.1
1.0
2.3
No
98.8
98.3
98.2
98.9
99.0
97.7
Yes
0.5
1.1
0.6
0.2
0.4
0.4
No
99.5
98.9
99.4
99.8
99.6
99.6
Yes
93.8
85.0
84.9
97.7
97.0
87.9
No
6.2
15.0
15.1
2.3
3.0
12.1
Yes
78.2
57.9
60.1
87.0
85.1
65.3
No
21.8
42.1
39.9
13.0
14.9
34.7
Cash (Percent)
Nonbank money order (Percent)
Prepaid card (Percent)
Other (Percent)
None selected (Percent)
Any bank method (Percent)
Only bank methods (Percent)
Excludes households with missing information on use of prepaid cards or nonbank money orders or check cashers in the past 12 months, on methods used to pay
bills or receive income, or where the household indicated that it did not pay bills or receive income in a typical month. NA indicates that the sample size is too small
to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to
totals because of rounding.
143 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
G.11 Methods Used to Receive Income in a Typical Month by Race/Ethnicity, 2017
For all households that paid bills and received income in a typical month, column percent
Characteristics
Number of Households (1000s)
Percent of Households
All
Black
Hispanic
Asian
White
Other
111,477
14,920
13,532
5,552
75,668
1,804
100.0
100.0
100.0
100.0
100.0
100.0
Direct deposit or electronic transfer into bank
account (Percent)
Yes
86.7
80.3
73.8
88.0
90.3
83.5
No
13.3
19.7
26.2
12.0
9.7
16.5
Yes
27.6
22.0
34.0
22.3
28.0
27.9
No
72.4
78.0
66.0
77.7
72.0
72.1
Yes
7.9
8.3
13.9
7.0
6.9
7.5
No
92.1
91.7
86.1
93.0
93.1
92.5
Paper check or money order (Percent)
Cash (Percent)
Direct deposit or electronic transfer onto prepaid card
(Percent)
Yes
3.4
7.5
2.9
2.5
2.6
8.0
No
96.6
92.5
97.1
97.5
97.4
92.0
Yes
1.8
2.6
1.8
1.3
1.7
3.5
No
98.2
97.4
98.2
98.7
98.3
96.5
Yes
1.9
4.7
4.1
0.2
1.1
2.7
No
98.1
95.3
95.9
99.8
98.9
97.3
Yes
1.6
2.9
1.9
1.3
1.3
2.0
No
98.4
97.1
98.1
98.7
98.7
98.0
Other (Percent)
Used nonbank check casher (Percent)
None selected (Percent)
Any bank method (Percent)
Yes
93.2
84.5
85.2
96.3
96.2
89.0
No
6.8
15.5
14.8
3.7
3.8
11.0
Yes
84.1
75.1
75.3
87.9
87.3
77.0
No
15.9
24.9
24.7
12.1
12.7
23.0
Only bank methods (Percent)
Excludes households with missing information on use of prepaid cards or nonbank money orders or check cashers in the past 12 months, on methods used to pay
bills or receive income, or where the household indicated that it did not pay bills or receive income in a typical month. NA indicates that the sample size is too small
to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to
totals because of rounding.
144
H.1 Household Characteristics by Use of Bank Methods to Pay Bills and Receive Income in a Typical
Month, 2017
For all underbanked households that paid bills and received income in a typical month, column percent
Characteristics
Underbanked group1
Underbanked group 2
Number of Households (1000s)
10,781
11,423
Percent of Households
100.0
100.0
8.3
18.5
Family income (Percent)
Less than $15,000
$15,000 to $30,000
12.3
22.9
$30,000 to $50,000
22.3
26.2
$50,000 to $75,000
22.5
17.3
At least $75,000
34.5
15.1
Education (Percent)
No high school diploma
7.9
16.1
High school diploma
23.6
31.6
Some college
30.3
34.4
College degree
38.2
17.9
15 to 24 years
6.1
10.2
25 to 34 years
18.5
21.8
Age group (Percent)
35 to 44 years
19.0
20.3
45 to 54 years
19.9
17.2
55 to 64 years
17.9
18.0
65 years or more
18.6
12.5
Race/Ethnicity (Percent)
Black
17.4
27.9
Hispanic
16.6
22.1
Asian
7.2
2.2
White
57.1
44.9
Other
1.8
2.9
8.3
14.6
Disability status (Percent)
Disabled, age 25 to 64
Not disabled, age 25 to 64
67.0
62.6
Not applicable (not age 25 to 64)
24.7
22.7
Income was about the same each month
75.5
66.8
Monthly income volatility (Percent)
Income varied somewhat from month to month
19.7
26.0
Income varied a lot from month to month
4.7
7.1
Unknown
0.1
-
Employed
68.4
66.9
Unemployed
2.2
4.3
Not in labor force
29.4
28.8
Homeowner
59.8
38.1
Non-homeowner
40.2
61.9
Employment status (Percent)
Homeownership (Percent)
145 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
H.1 Household Characteristics by Use of Bank Methods to Pay Bills and Receive Income in a Typical
Month, 2017
For all underbanked households that paid bills and received income in a typical month, column percent
Characteristics
Underbanked group1
Underbanked group 2
Married couple
49.7
36.8
Unmarried female-headed family
12.7
21.1
Household type (Percent)
Unmarried male-headed family
5.2
8.4
Female individual
16.4
15.4
Male individual
15.8
18.1
Other
0.2
0.1
79.1
80.1
Nativity (Percent)
U.S.-born
Foreign-born citizen
10.5
8.0
Foreign-born non-citizen
10.3
11.9
Spanish is not only language spoken
96.0
91.7
Spanish is only language spoken
4.0
8.3
30.9
35.7
Spanish only language spoken (Percent)
Metropolitan status (Percent)
Metropolitan area - principal city
Metropolitan area - balance
44.5
34.3
Not in metropolitan area
11.8
15.2
Not identified
12.8
14.9
Geographic region (Percent)
Northeast
17.9
15.1
Midwest
18.1
18.7
South
40.3
45.6
West
23.7
20.6
Excludes households with missing information on whether the household saved for unexpected expenses or emergencies; used one or more mainstream credit
products; used credit AFS; applied for, was denied, or felt discouraged about applying for a credit card or bank personal loan; or fell behind on bills. Also excludes
households with missing information on use of prepaid cards or nonbank money orders or check cashers in the past 12 months, on methods used to pay bills or
receive income, or where the household indicated that it did not pay bills or receive income in a typical month. Households in underbanked group 1 used only
bank methods to pay bills and receive income in a typical month, while households in underbanked group 2 did not exclusively use bank methods to pay bills and
receive income in a typical month. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population
proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding.
146 | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES
Federal Deposit Insurance Corporation
FDIC-038-2018
| File Type | application/pdf |
| File Modified | 2018-10-17 |
| File Created | 2018-10-17 |