FEDERAL DEPOSIT INSURANCE CORPORATION

2021

FDIC National Survey of 

Unbanked and Underbanked 

Households

Appendix Tables

2021 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES | I

Appendix Table of Contents

A. Bank Account Ownership: Unbanked Households .............................................................................................................................................. 1

B. COVID-19 Pandemic and Transitions in Bank Account Ownership.................................................................................................................... 15

C. Bank Account Ownership: Banked Households................................................................................................................................................. 17

D. Prepaid Cards and Nonbank Online Payment Services ..................................................................................................................................... 31

E. Nonbank Money Orders, Check Cashing, and Money Transfer Services ........................................................................................................... 41

F. Bank and Nonbank Credit................................................................................................................................................................................... 59

G. Underbanked Households................................................................................................................................................................................... 82

Results from the 2021 and previous surveys are available at fdic.gov/analysis/household-survey, which also provides the ability to generate 

custom data tables and charts, obtain five-year estimates of unbanked rates, and download the raw survey data.

2021 FDIC National Survey of Unbanked and Underbanked Households
II | APPENDIX TABLES | 2021 FDIC National Survey of Unbanked and Underbanked Households

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2021 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES | III

2021 FDIC National Survey of Unbanked and Underbanked Households

List of Appendix Tables

A. Bank Account Ownership: Unbanked Households

A.1 Distributions of Household Characteristics, 2017–2021 ............................................................................................................................. 1

A.2 Unbanked Rates by Household Characteristics, 2017–2021....................................................................................................................... 3

A.3 Unbanked Rates by State, 2017–2021.......................................................................................................................................................... 5

A.4 Unbanked Rates by MSA, 2017–2021 ........................................................................................................................................................... 7

A.5 Interest in Having a Bank Account by Previous Bank Account Ownership and Household Characteristics, 2021................................... 9

A.6 All Reasons for Not Having a Bank Account by Previous Bank Account Ownership, 2021...................................................................... 11

A.7 Main Reason for Not Having a Bank Account by Previous Bank Account Ownership, 2021.................................................................... 12

A.8 All Reasons for Not Having a Bank Account by Interest in Having a Bank Account, 2021 ....................................................................... 13

A.9 Main Reason for Not Having a Bank Account by Interest in Having a Bank Account, 2021 ..................................................................... 14

B. COVID-19 Pandemic and Transitions in Bank Account Ownership

B.1 Distributions of Household Characteristics by Transitions in Bank Account Ownership, 2021 .............................................................. 15

C. Bank Account Ownership: Banked Households

C.1 Bank Teller as Primary Method of Bank Account Access by Household Characteristics, 2017–2021 ..................................................... 17

C.2 Online Banking as Primary Method of Bank Account Access by Household Characteristics, 2017–2021 .............................................. 19

C.3 Mobile Banking as Primary Method of Bank Account Access by Household Characteristics, 2017–2021 .............................................. 21

C.4 All Methods Used to Access Bank Accounts by Household Characteristics, 2021.................................................................................... 23

C.5 Bank Teller as Only Method of Bank Account Access by Household Characteristics, 2019–2021........................................................... 25

C.6 Physical Channels (Bank Teller and ATM/Kiosk) as Only Methods of Bank Account Access by Household Characteristics, 2019–2021.... 27

C.7 Types of Transactions Conducted Using Bank Accounts by Household Characteristics, 2021............................................................... 29

D. Prepaid Cards and Nonbank Online Payment Services

D.1 Use of Prepaid Cards and Nonbank Online Payment Services by Bank Account Ownership and Household Characteristics, 2021.... 31

D.2 Use of Prepaid Cards and Nonbank Online Payment Services by State, 2021......................................................................................... 33

D.3 Use of Prepaid Cards and Nonbank Online Payment Services by MSA, 2021 .......................................................................................... 35

D.4 Types of Transactions Conducted Using Prepaid Cards by Bank Account Ownership and Household Characteristics, 2021 .............. 37

D.5 Types of Transactions Conducted Using Nonbank Online Payment Services by Bank Account Ownership and Household 

Characteristics, 2021................................................................................................................................................................................... 39

E. Nonbank Money Orders, Check Cashing, and Money Transfer Services

E.1 Use of Nonbank Money Orders by Bank Account Ownership and Household Characteristics, 2017–2021 ........................................... 41

E.2 Types of Transactions Conducted Using Nonbank Money Orders by Bank Account Ownership and Household Characteristics, 2021.... 43

E.3 Use of Nonbank Check Cashing by Bank Account Ownership and Household Characteristics, 2017–2021 .......................................... 45

E.4 Cashing Checks From Work, Retirement, or a Government Agency Using Nonbank Check Cashing by Bank Account Ownership 

and Household Characteristics, 2021 ........................................................................................................................................................ 47

E.5 Use of Nonbank Money Transfer Services by Bank Account Ownership and Household Characteristics, 2021 .................................... 49

E.6 Types of Transactions Conducted Using Nonbank Money Transfer Services by Bank Account Ownership and Household 

Characteristics, 2021................................................................................................................................................................................... 51
IV | APPENDIX TABLES | 2021 FDIC National Survey of Unbanked and Underbanked Households

2021 FDIC National Survey of Unbanked and Underbanked Households

E.7 Sending or Receiving Nonbank International Remittances by Bank Account Ownership and Household Characteristics, 2021......... 53

E.8 Use of Nonbank Money Orders, Check Cashing, and Money Transfer Services by State, 2021............................................................... 55

E.9 Use of Nonbank Money Orders, Check Cashing, and Money Transfer Services by MSA, 2021 ................................................................ 57

F. Bank and Nonbank Credit

F.1 Use of Credit Cards, Bank Personal Loans, and Nonbank Personal Loans by Bank Account Ownership and Household 

Characteristics, 2021................................................................................................................................................................................... 59

F.2 Use of Credit Cards, Bank Personal Loans, and Nonbank Personal Loans by State, 2021 ...................................................................... 61

F.3 Use of Credit Cards, Bank Personal Loans, and Nonbank Personal Loans by MSA, 2021........................................................................ 63

F.4 Use of Rent-to-Own Services and Payday, Pawn Shop, Tax Refund Anticipation, and Auto Title Loans by Bank Account 

Ownership and Household Characteristics, 2021 ..................................................................................................................................... 65

F.5 Use of Rent-to-Own Services and Payday, Pawn Shop, Tax Refund Anticipation, and Auto Title Loans by State, 2021........................ 67

F.6 Use of Rent-to-Own Services and Payday, Pawn Shop, Tax Refund Anticipation, and Auto Title Loans by MSA, 2021 ......................... 69

F.7 Ownership of Credit Cards by Bank Account Ownership and Household Characteristics, 2017–2021 .................................................. 72

F.8 Use of Bank Personal Loans by Bank Account Ownership and Household Characteristics, 2019–2021 ................................................ 74

F.9 Use of a Rent-to-Own Service or a Payday, Pawn Shop, Tax Refund Anticipation, or Auto Title Loan by Bank Account Ownership 

and Household Characteristics, 2017–2021 .............................................................................................................................................. 76

F.10 Amount of Most Recent Bank Personal Loan by Bank Account Ownership and Household Characteristics, 2021 ............................... 78

F.11 Amount of Most Recent Nonbank Personal Loan by Bank Account Ownership and Household Characteristics, 2021......................... 80

G. Underbanked Households

G.1 Underbanked, Fully Banked, and Unbanked Rates by Household Characteristics, 2021 ....................................................................... 82

G.2 Underbanked, Fully Banked, and Unbanked Rates by State, 2021........................................................................................................... 84

G.3 Underbanked, Fully Banked, and Unbanked Rates by MSA, 2021............................................................................................................ 86

G.4 Distributions of Household Characteristics Among Underbanked, Fully Banked, and Unbanked Households, 2021 .......................... 88
2021 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES | V

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2021 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES | 1

Characteristics 2017 2019 2021

Number of Households (1000s) 129,276 131,248 132,517

Percent of Households 100.0 100.0 100.0

Family Income

Less Than $15,000 12.4 10.7 9.5

$15,000 to $30,000 15.3 14.4 13.5

$30,000 to $50,000 19.8 18.8 18.6

$50,000 to $75,000 18.4 18.2 18.5

At Least $75,000 34.1 37.9 39.9

Education

No High School Diploma 9.6 8.7 7.9

High School Diploma 25.8 24.9 24.3

Some College 28.9 28.3 27.8

College Degree 35.7 38.1 39.9

Age Group

15 to 24 Years 5.1 4.8 4.4

25 to 34 Years 16.2 16.3 16.2

35 to 44 Years 16.7 17.0 17.1

45 to 54 Years 18.0 17.0 16.8

55 to 64 Years 18.9 18.6 18.6

65 Years or More 25.0 26.2 26.9

Race/Ethnicity

Black 12.8 12.7 12.8

Hispanic 13.8 14.0 14.6

Asian 5.0 5.3 5.3

American Indian or Alaska Native 0.8 0.7 0.7

Native Hawaiian or Other Pacific Islander 0.3 0.2 0.3

White 66.2 65.6 64.9

Two or More Races 1.2 1.3 1.4

Disability Status

Disabled, Aged 25 to 64 8.7 8.1 8.2

Not Disabled, Aged 25 to 64 61.1 60.9 60.5

Not Applicable (Not Aged 25 to 64) 30.2 31.0 31.3

Employment Status

Employed 61.4 62.1 60.5

Unemployed 2.7 2.2 3.7

Not in Labor Force 35.9 35.7 35.8

Homeownership

Homeowner 63.6 64.5 65.0

Non-Homeowner 36.4 35.5 35.0

A.1 Distributions of Household Characteristics, 2017–2021

All Households, Column Percent
2 | APPENDIX TABLES | 2021 FDIC National Survey of Unbanked and Underbanked Households

Characteristics 2017 2019 2021

Household Type

Married Couple 47.3 46.5 46.0

Unmarried Female-Householder Family 11.7 11.6 11.9

Unmarried Male-Householder Family 5.1 5.0 5.3

Female-Householder Nonfamily 18.8 19.0 19.1

Male-Householder Nonfamily 16.8 17.7 17.5

Other 0.3 0.2 0.1

Citizenship and Place of Birth

U.S.-Born 85.3 85.1 85.2

Foreign-Born Citizen 7.8 8.6 8.6

Foreign-Born Noncitizen 6.9 6.3 6.2

Metropolitan and Nonmetropolitan Status

Metropolitan Area 85.7 86.2 85.9

Not in Metropolitan Area 13.4 13.0 13.3

Not Identified 0.9 0.8 0.8

Geographic Region

Northeast 17.6 17.2 17.0

Midwest 21.4 21.6 21.3

South 38.2 38.3 38.8

West 22.8 22.9 23.0

A.1 Distributions of Household Characteristics, 2017–2021 (continued)

All Households, Column Percent
2021 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES | 3

Characteristics 2017 2019 2021

90% 

Confidence 

Interval, 2021

Difference 

(2021–2019)

90% 

Confidence 

Interval, 

Difference

All 6.5 5.4 4.5 (4.2, 4.7) -0.9* (-1.3, -0.6)

Family Income

Less Than $15,000 25.7 23.3 19.8 (18.3, 21.3) -3.5* (-5.5, -1.4)

$15,000 to $30,000 12.3 10.4 9.2 (8.3, 10.1) -1.3* (-2.5, -0.1)

$30,000 to $50,000 5.1 4.6 4.0 (3.5, 4.5) -0.6 (-1.4, 0.2)

$50,000 to $75,000 1.5 1.7 2.1 (1.7, 2.5) 0.3 (-0.2, 0.8)

At Least $75,000 0.6 0.6 0.6 (0.5, 0.7) 0.0 (-0.2, 0.2)

Education

No High School Diploma 22.4 21.4 19.2 (17.5, 21.0) -2.2 (-4.6, 0.3)

High School Diploma 9.4 8.1 6.8 (6.2, 7.5) -1.3* (-2.1, -0.5)

Some College 5.1 4.3 3.3 (2.9, 3.7) -1.0* (-1.5, -0.5)

College Degree 1.3 0.8 0.9 (0.8, 1.1) 0.1 (-0.1, 0.4)

Age Group

15 to 24 Years 10.0 8.8 5.8 (4.8, 7.2) -3.0* (-4.8, -1.1)

25 to 34 Years 8.5 6.9 5.1 (4.4, 5.9) -1.8* (-2.7, -1.0)

35 to 44 Years 7.8 6.3 5.1 (4.5, 5.8) -1.1* (-2.0, -0.3)

45 to 54 Years 6.9 5.1 5.2 (4.7, 5.9) 0.1 (-0.7, 0.9)

55 to 64 Years 5.9 5.5 4.8 (4.2, 5.4) -0.7 (-1.6, 0.2)

65 Years or More 3.9 3.3 2.7 (2.4, 3.1) -0.6* (-1.1, -0.1)

Race/Ethnicity

Black 16.8 13.8 11.3 (10.2, 12.5) -2.5* (-4.2, -0.8)

Hispanic 14.4 12.2 9.3 (8.4, 10.2) -2.9* (-4.2, -1.7)

Asian 2.6 1.7 2.9 (2.1, 4.1) 1.3* (0.2, 2.4)

American Indian or Alaska Native 18.0 16.3 6.9 (4.9, 9.5) -9.4* (-14.7, -4.2)

Native Hawaiian or Other Pacific 

Islander 2.8 NA NA NA NA NA

White 3.0 2.5 2.1 (1.9, 2.3) -0.4* (-0.6, -0.1)

Two or More Races 8.5 4.9 5.0 (3.1, 8.2) 0.1 (-3.3, 3.5)

Disability Status

Disabled, Aged 25 to 64 18.1 16.2 14.8 (13.4, 16.3) -1.4 (-3.3, 0.6)

Not Disabled, Aged 25 to 64 5.7 4.5 3.7 (3.4, 4.0) -0.8* (-1.2, -0.4)

Not Applicable (Not Aged 25 to 64) 4.9 4.2 3.2 (2.8, 3.5) -1.0* (-1.5, -0.5)

Employment Status

Employed 4.5 3.6 2.6 (2.4, 2.9) -1.0* (-1.3, -0.7)

Unemployed 19.9 13.2 11.8 (9.9, 14.0) -1.4 (-4.5, 1.8)

Not in Labor Force 9.0 8.0 6.8 (6.3, 7.4) -1.2* (-1.9, -0.5)

A.2 Unbanked Rates by Household Characteristics, 2017–2021

All Households, Row Percent
4 | APPENDIX TABLES | 2021 FDIC National Survey of Unbanked and Underbanked Households

Characteristics 2017 2019 2021

90% 

Confidence 

Interval, 2021

Difference 

(2021–2019)

90% 

Confidence 

Interval, 

Difference

Homeownership

Homeowner 2.3 1.9 1.8 (1.6, 2.0) -0.1 (-0.3, 0.2)

Non-Homeowner 14.0 11.8 9.4 (8.8, 10.1) -2.3* (-3.2, -1.5)

Household Type

Married Couple 2.5 2.1 1.8 (1.6, 2.0) -0.4* (-0.7, -0.1)

Unmarried Female-Householder 

Family 15.4 11.1 9.2 (8.2, 10.2) -1.9* (-3.4, -0.5)

Unmarried Male-Householder 

Family 9.9 7.6 7.4 (6.2, 8.8) -0.2 (-2.0, 1.6)

Female-Householder Nonfamily 7.6 5.8 4.9 (4.3, 5.5) -0.9* (-1.8, -0.1)

Male-Householder Nonfamily 9.2 8.7 6.7 (6.1, 7.4) -2.0* (-2.9, -1.0)

Other NA NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 5.9 4.8 4.0 (3.7, 4.3) -0.9* (-1.3, -0.5)

Foreign-Born Citizen 4.8 3.8 4.6 (3.8, 5.6) 0.8 (-0.4, 2.0)

Foreign-Born Noncitizen 16.2 14.6 11.0 (9.8, 12.5) -3.5* (-5.5, -1.6)

Metropolitan and 

Nonmetropolitan Status

Metropolitan Area 6.4 5.2 4.2 (3.9, 4.5) -1.1* (-1.4, -0.7)

Not in Metropolitan Area 7.5 6.2 6.2 (5.4, 7.0) -0.1 (-1.0, 0.8)

Not Identified 7.2 5.7 6.2 (4.3, 8.7) 0.5 (-1.9, 2.9)

Geographic Region

Northeast 6.0 4.7 4.1 (3.5, 4.8) -0.6 (-1.5, 0.3)

Midwest 5.4 5.0 4.2 (3.8, 4.8) -0.7 (-1.5, 0.0)

South 7.7 6.2 4.9 (4.4, 5.3) -1.4* (-2.0, -0.8)

West 6.0 4.9 4.2 (3.8, 4.8) -0.6 (-1.4, 0.2)

Asterisk indicates differences that are statistically significant at the 10 percent level. NA indicates that the sample size is too small to 

produce a precise estimate.

A.2 Unbanked Rates by Household Characteristics, 2017–2021 (continued)

All Households, Row Percent
2021 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES | 5

Geography 2017 2019 2021

90% 

Confidence 

Interval, 2021

Difference 

(2021–2019)

90% 

Confidence 

Interval, 

Difference

All 6.5 5.4 4.5 (4.2, 4.7) -0.9* (-1.3, -0.6)

State

AL 8.7 7.6 4.7 (3.3, 6.7) -2.9* (-5.2, -0.5)

AK 2.6 3.4 4.8 (3.2, 7.0) 1.4 (-1.0, 3.8)

AZ 5.4 4.0 3.6 (2.3, 5.8) -0.4 (-2.6, 1.8)

AR 7.5 7.1 3.4 (2.4, 4.8) -3.8* (-6.3, -1.2)

CA 7.4 5.6 5.0 (4.3, 5.9) -0.6 (-1.8, 0.7)

CO 4.2 3.3 6.0 (3.9, 9.1) 2.7 (-0.3, 5.8)

CT 5.5 8.4 4.4 (2.2, 8.4) -4.0 (-8.6, 0.6)

DE 5.9 2.8 2.0 (0.9, 4.4) -0.8 (-3.5, 1.9)

DC 8.0 8.0 4.5 (3.3, 6.2) -3.5* (-6.2, -0.8)

FL 6.0 3.8 3.7 (2.8, 4.9) -0.1 (-1.4, 1.3)

GA 10.6 7.4 6.7 (5.1, 8.9) -0.7 (-3.2, 1.9)

HI 4.0 3.0 1.5 (0.7, 3.3) -1.5 (-3.4, 0.4)

ID 2.3 4.0 3.0 (2.0, 4.6) -1.0 (-3.2, 1.2)

IL 7.0 6.6 4.4 (3.2, 6.0) -2.2* (-4.3, -0.1)

IN 4.4 4.5 5.6 (4.1, 7.7) 1.1 (-1.3, 3.5)

IA 3.0 2.6 3.0 (1.8, 4.9) 0.4 (-2.0, 2.8)

KS 7.2 5.5 3.8 (2.2, 6.4) -1.8 (-4.1, 0.6)

KY 7.2 6.5 5.2 (3.7, 7.2) -1.3 (-3.5, 1.0)

LA 14.8 11.4 8.1 (6.3, 10.5) -3.2 (-6.9, 0.4)

ME 4.0 2.3 1.3 (0.6, 3.2) -0.9 (-2.4, 0.6)

MD 2.5 3.8 5.0 (3.1, 8.0) 1.2 (-1.5, 4.0)

MA 2.6 3.7 3.6 (2.1, 5.9) -0.1 (-2.5, 2.1)

MI 5.6 5.7 5.4 (3.8, 7.7) -0.3 (-2.8, 2.3)

MN 1.5 2.8 2.4 (1.1, 4.8) -0.5 (-2.6, 1.7)

MS 15.8 12.8 11.1 (9.6, 12.8) -1.7 (-4.6, 1.3)

MO 6.3 6.2 7.4 (5.4, 10.0) 1.2 (-1.6, 4.0)

MT 4.3 4.0 3.0 (1.9, 4.8) -1.0 (-2.9, 0.8)

NE 2.8 6.5 3.0 (1.7, 5.0) -3.6* (-6.0, -1.1)

NV 6.1 6.3 5.6 (3.9, 8.0) -0.6 (-3.6, 2.3)

NH 3.4 0.5 1.4 (0.7, 3.0) 0.9 (-0.3, 2.1)

NJ 5.0 4.0 3.5 (2.3, 5.4) -0.5 (-2.6, 1.6)

NM 11.4 8.7 7.0 (5.4, 8.9) -1.7 (-4.9, 1.5)

NY 8.7 5.6 5.9 (4.7, 7.4) 0.3 (-1.5, 2.1)

NC 5.8 3.4 3.3 (2.2, 5.0) -0.1 (-1.7, 1.6)

ND 6.3 4.9 3.2 (1.7, 5.9) -1.7 (-5.3, 1.9)

OH 7.0 4.6 3.5 (2.4, 5.1) -1.2 (-3.0, 0.7)

A.3 Unbanked Rates by State, 2017–2021

All Households, Row Percent
6 | APPENDIX TABLES | 2021 FDIC National Survey of Unbanked and Underbanked Households

Geography 2017 2019 2021

90% 

Confidence 

Interval, 2021

Difference 

(2021–2019)

90% 

Confidence 

Interval, 

Difference

OK 7.3 8.8 5.4 (3.9, 7.5) -3.3* (-5.9, -0.8)

OR 4.2 3.8 1.6 (0.8, 3.2) -2.3* (-3.9, -0.6)

PA 4.7 4.0 2.6 (1.7, 3.9) -1.4 (-3.0, 0.3)

RI 6.5 4.4 3.5 (2.1, 5.6) -0.9 (-3.8, 1.9)

SC 6.7 5.2 5.5 (3.6, 8.4) 0.4 (-2.7, 3.4)

SD 8.1 4.9 3.7 (1.4, 9.3) -1.2 (-7.0, 4.6)

TN 7.5 8.1 5.0 (3.7, 6.8) -3.1* (-5.2, -0.9)

TX 9.5 7.7 5.6 (4.5, 6.9) -2.1* (-3.8, -0.5)

UT 2.5 0.8 1.2 (0.6, 2.6) 0.3 (-0.7, 1.4)

VT 1.5 0.7 2.5 (1.4, 4.3) 1.8* (0.4, 3.1)

VA 3.0 4.4 1.8 (0.8, 4.0) -2.6* (-4.3, -0.9)

WA 3.1 4.6 2.1 (1.1, 3.9) -2.6* (-4.8, -0.4)

WV 7.8 4.7 3.0 (1.8, 5.1) -1.7* (-3.3, -0.1)

WI 3.4 2.9 2.1 (1.1, 3.9) -0.8 (-2.6, 1.0)

WY 4.8 3.6 1.3 (0.6, 2.9) -2.3 (-4.7, 0.1)

Asterisk indicates differences that are statistically significant at the 10 percent level.

A.3 Unbanked Rates by State, 2017–2021 (continued)

All Households, Row Percent
2021 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES | 7

Geography 2017 2019 2021

90% 

Confidence 

Interval, 2021

Difference 

(2021–2019)

90% 

Confidence 

Interval, 

Difference

All 6.5 5.4 4.5 (4.2, 4.7) -0.9* (-1.3, -0.6)

MSA

Albuquerque, NM 7.8 4.1 5.3 (3.0, 9.2) 1.2 (-2.2, 4.6)

Atlanta-Sandy Springs-Roswell, GA~ 7.5 5.0 2.4 (1.4, 4.0) -2.6* (-4.8, -0.3)

Austin-Round Rock, TX 3.8 0.7 0.8 (0.1, 6.3) 0.1 (-1.8, 1.9)

Baltimore-Columbia-Towson, MD 1.8 5.5 5.9 (2.9, 11.5) 0.3 (-4.9, 5.6)

Baton Rouge, LA 10.8 9.0 5.6 (2.6, 11.4) -3.5 (-9.8, 2.9)

Birmingham-Hoover, AL 13.3 9.3 4.8 (2.1, 10.6) -4.4 (-10.8, 1.9)

Boise City, ID 0.9 4.9 2.6 (1.0, 6.7) -2.3 (-6.1, 1.5)

Boston-Cambridge-Newton, MA-NH~ 3.2 3.6 2.1 (0.9, 4.6) -1.5 (-3.8, 0.8)

Burlington-South Burlington, VT~ 1.7 – 1.5 (0.4, 6.0)

Charlotte-Concord-Gastonia, NC-SC~ 5.3 2.2 2.2 (0.9, 5.2) 0.0 (-2.5, 2.5)

Chicago-Naperville-Elgin, IL-IN-WI 6.9 7.3 5.4 (4.0, 7.3) -1.9 (-4.5, 0.8)

Cincinnati, OH-KY-IN~ 6.2 2.6 4.0 (1.9, 8.0) 1.4 (-2.2, 5.0)

Cleveland-Elyria, OH 6.4 3.5 2.0 (0.7, 5.8) -1.5 (-5.0, 1.9)

Columbus, OH~ 5.5 5.8 2.0 (0.7, 5.6) -3.7* (-7.2, -0.2)

Dallas-Fort Worth-Arlington, TX~ 6.1 7.1 2.5 (1.3, 4.8) -4.6* (-7.5, -1.7)

Denver-Aurora-Lakewood, CO 5.7 3.1 5.9 (2.9, 11.7) 2.8 (-2.2, 7.8)

Detroit-Warren-Dearborn, MI 6.9 8.8 7.6 (4.6, 12.3) -1.3 (-6.4, 3.9)

Fargo, ND-MN 6.4 1.4 3.6 (1.7, 7.4) 2.2 (-0.7, 5.1)

Fayetteville-Springdale-Rogers, ARMO NA NA 3.5 (1.2, 9.8) NA NA

Houston-The Woodlands-Sugar Land, 

TX~ 11.8 10.4 8.1 (5.8, 11.3) -2.2 (-6.2, 1.7)

Indianapolis-Carmel-Anderson, IN~ 6.4 6.4 7.8 (4.2, 14.2) 1.5 (-4.8, 7.7)

Jackson, MS~ 17.2 17.1 9.1 (4.7, 16.7) -8.0 (-16.6, 0.6)

Kansas City, MO-KS~ 6.2 5.8 6.4 (3.1, 12.6) 0.6 (-4.7, 5.9)

Knoxville, TN~ 7.9 NA 1.0 (0.1, 7.3) NA NA

Las Vegas-Henderson-Paradise, NV 6.8 5.5 5.2 (3.3, 8.0) -0.3 (-4.0, 3.4)

Little Rock-North Little Rock-Conway, 

AR 7.2 5.1 2.8 (1.0, 7.6) -2.3 (-6.4, 1.9)

Los Angeles-Long Beach-Anaheim, CA 9.0 7.1 4.2 (3.1, 5.6) -3.0* (-5.0, -0.9)

Louisville/Jefferson County, KY-IN~ 3.0 4.8 3.5 (1.3, 8.7) -1.3 (-5.3, 2.6)

Manchester-Nashua, NH~ 5.2 1.1 1.2 (0.1, 9.2) 0.1 (-2.5, 2.7)

Memphis, TN-MS-AR~ 16.7 17.0 9.4 (4.6, 18.2) -7.6 (-15.6, 0.5)

Miami-Fort Lauderdale-West Palm 

Beach, FL 8.0 3.9 3.2 (1.8, 5.4) -0.7 (-3.4, 1.9)

Milwaukee-Waukesha-West Allis, WI 6.6 5.9 1.5 (0.2, 9.8) -4.5* (-8.6, -0.4)

Minneapolis-St. Paul-Bloomington, 

MN-WI~ 1.5 3.3 2.2 (1.0, 4.5) -1.1 (-3.7, 1.4)

A.4 Unbanked Rates by MSA, 2017–2021

All Households, Row Percent
8 | APPENDIX TABLES | 2021 FDIC National Survey of Unbanked and Underbanked Households

Geography 2017 2019 2021

90% 

Confidence 

Interval, 2021

Difference 

(2021–2019)

90% 

Confidence 

Interval, 

Difference

Nashville-Davidson-MurfreesboroFranklin, TN~ 5.0 5.3 3.8 (1.8, 7.9) -1.5 (-6.2, 3.1)

New Orleans-Metairie, LA~ 14.7 9.8 6.6 (3.9, 11.0) -3.3 (-8.8, 2.3)

New York-Newark-Jersey City, NY-NJPA~ 7.9 5.8 5.6 (4.5, 6.9) -0.3 (-2.0, 1.5)

Oklahoma City, OK 5.7 9.3 5.5 (3.0, 9.7) -3.8 (-9.1, 1.4)

Omaha-Council Bluffs, NE-IA 2.8 4.0 2.6 (1.0, 6.6) -1.4 (-4.5, 1.7)

Orlando-Kissimmee-Sanford, FL 3.4 3.5 1.5 (0.4, 5.5) -2.0 (-5.1, 1.2)

Philadelphia-Camden-Wilmington, 

PA-NJ-DE-MD 5.9 5.2 2.8 (1.4, 5.4) -2.4 (-5.2, 0.4)

Phoenix-Mesa-Scottsdale, AZ 6.9 3.6 4.3 (2.6, 7.3) 0.8 (-2.0, 3.5)

Pittsburgh, PA 3.9 3.4 1.6 (0.4, 5.8) -1.8 (-5.5, 1.8)

Portland-South Portland, ME~ 5.9 1.6 0.9 (0.1, 7.5) -0.7 (-3.1, 1.7)

Portland-Vancouver-Hillsboro, OR-WA 3.0 2.5 1.7 (0.6, 4.5) -0.8 (-3.4, 1.8)

Providence-Warwick, RI-MA~ 5.4 4.8 7.3 (4.0, 12.7) 2.5 (-2.3, 7.3)

Riverside-San Bernardino-Ontario, CA 9.1 7.0 5.2 (3.0, 9.1) -1.8 (-5.8, 2.3)

Sacramento-Roseville-Arden-Arcade, 

CA 3.6 2.5 2.3 (1.0, 5.5) -0.2 (-3.2, 2.9)

St. Louis, MO-IL~ 7.5 3.4 4.9 (2.5, 9.2) 1.5 (-2.1, 5.0)

Salisbury, MD-DE~ 8.5 NA 4.2 (1.2, 13.4) NA NA

Salt Lake City, UT~ 3.2 1.1 1.2 (0.3, 4.4) 0.1 (-1.7, 1.9)

San Antonio-New Braunfels, TX 10.4 6.6 4.5 (2.3, 8.7) -2.1 (-6.3, 2.1)

San Diego-Carlsbad, CA 3.0 4.0 0.4 (0.0, 3.3) -3.6* (-5.8, -1.5)

San Francisco-Oakland-Hayward, CA 4.8 2.8 4.0 (2.3, 7.0) 1.2 (-1.6, 4.1)

San Jose-Sunnyvale-Santa Clara, CA 3.7 1.9 13.2 (7.8, 21.5) 11.2* (4.0, 18.4)

Seattle-Tacoma-Bellevue, WA 1.8 2.6 –

Sioux Falls, SD 4.9 2.1 0.6 (0.1, 5.3) -1.5 (-5.0, 2.1)

Tampa-St. Petersburg-Clearwater, FL 8.0 1.0 0.6 (0.1, 4.7) -0.4 (-1.9, 1.1)

Urban Honolulu, HI 4.1 3.2 1.7 (0.7, 4.1) -1.5 (-3.8, 0.8)

Virginia Beach-Norfolk-Newport 

News, VA-NC~ 4.9 6.4 –

Washington-Arlington-Alexandria, 

DC-VA-MD-WV~ 2.6 3.2 2.9 (1.8, 4.8) -0.3 (-2.2, 1.7)

Wichita, KS~ 12.9 6.6 6.7 (3.3, 13.4) 0.1 (-5.4, 5.6)

The tilde symbol indicates areas with geographic boundary changes between the 2013 and 2015 surveys; see Appendix 1 (FDIC 

Technical Notes) for details. Asterisk indicates differences that are statistically significant at the 10 percent level. NA indicates that the 

sample size is too small to produce a precise estimate. The dash symbol indicates an estimate of zero; the population proportion may 

be slightly greater than zero.

A.4 Unbanked Rates by MSA, 2017–2021 (continued)

All Households, Row Percent
2021 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES | 9

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Very 

Interested

Somewhat 

Interested

Not Very 

Interested

Not at All 

Interested

All 5,907 100.0 10.7 16.5 19.1 53.6

Previous Bank Account Ownership

Previously Banked 2,880 100.0 15.5 16.9 18.3 49.4

Never Banked 3,027 100.0 6.2 16.2 19.9 57.6

Family Income

Less Than $15,000 2,479 100.0 10.9 13.2 15.3 60.6

$15,000 to $30,000 1,639 100.0 10.2 16.2 23.1 50.4

$30,000 to $50,000 980 100.0 10.8 19.1 23.9 46.2

$50,000 to $75,000 NA NA NA NA NA NA

At Least $75,000 NA NA NA NA NA NA

Education

No High School Diploma 2,015 100.0 8.6 14.4 18.2 58.8

High School Diploma 2,192 100.0 10.9 15.9 19.6 53.5

Some College 1,199 100.0 11.6 20.5 21.9 46.0

College Degree 500 100.0 16.2 18.3 14.1 51.4

Age Group

15 to 24 Years NA NA NA NA NA NA

25 to 34 Years 1,091 100.0 12.9 20.4 21.8 44.8

35 to 44 Years 1,164 100.0 14.6 15.6 19.0 50.8

45 to 54 Years 1,168 100.0 11.6 16.7 18.8 52.9

55 to 64 Years 1,172 100.0 8.6 13.0 13.0 65.4

65 Years or More 968 100.0 4.5 13.4 20.0 62.1

Race/Ethnicity

Black 1,916 100.0 14.3 17.8 17.4 50.6

Hispanic 1,793 100.0 10.3 17.9 19.3 52.4

Asian NA NA NA NA NA NA

American Indian or Alaska Native NA NA NA NA NA NA

Native Hawaiian or Other Pacific 

Islander NA NA NA NA NA NA

White 1,809 100.0 8.7 11.5 19.5 60.3

Two or More Races NA NA NA NA NA NA

Disability Status

Disabled, Aged 25 to 64 1,613 100.0 9.1 11.6 17.1 62.2

Not Disabled, Aged 25 to 64 2,982 100.0 13.4 18.9 18.6 49.0

Not Applicable (Not Aged 25 to 64) 1,312 100.0 6.6 17.1 22.8 53.6

A.5 Interest in Having a Bank Account by Previous Bank Account Ownership and Household 

Characteristics, 2021

Unbanked Households, Row Percent
10 | APPENDIX TABLES | 2021 FDIC National Survey of Unbanked and Underbanked Households

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Very 

Interested

Somewhat 

Interested

Not Very 

Interested

Not at All 

Interested

Employment Status

Employed 2,093 100.0 9.4 22.8 19.8 48.1

Unemployed 578 100.0 29.1 16.2 13.8 40.8

Not in Labor Force 3,235 100.0 8.3 12.5 19.6 59.5

Homeownership

Homeowner 1,541 100.0 9.5 18.6 18.7 53.3

Non-Homeowner 4,366 100.0 11.2 15.8 19.3 53.7

Household Type

Married Couple 1,085 100.0 12.5 22.0 20.7 44.8

Unmarried Female-Householder Family 1,451 100.0 14.1 19.5 21.4 45.0

Unmarried Male-Householder Family NA NA NA NA NA NA

Female-Householder Nonfamily 1,242 100.0 10.8 10.8 14.7 63.7

Male-Householder Nonfamily 1,558 100.0 5.1 13.4 19.1 62.4

Other NA NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 4,474 100.0 10.7 14.3 19.1 55.8

Foreign-Born Citizen NA NA NA NA NA NA

Foreign-Born Noncitizen 905 100.0 11.2 24.2 21.9 42.7

Metropolitan and Nonmetropolitan 

Status

Metropolitan Area 4,756 100.0 11.7 16.8 19.9 51.6

Not in Metropolitan Area 1,087 100.0 6.5 16.3 16.3 61.0

Not Identified NA NA NA NA NA NA

Geographic Region

Northeast 918 100.0 4.7 12.2 20.8 62.2

Midwest 1,197 100.0 15.6 13.4 15.2 55.8

South 2,500 100.0 11.5 16.6 21.6 50.3

West 1,292 100.0 8.9 22.4 16.8 52.0

NA indicates that the sample size is too small to produce a precise estimate.

A.5 Interest in Having a Bank Account by Previous Bank Account Ownership and Household 

Characteristics, 2021 (continued)

Unbanked Households, Row Percent
2021 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES | 11

All Previously 

Banked

Never 

Banked

Number of Households (1000s) 5,907 2,880 3,027

Percent of Households 100.0 100.0 100.0

Bank Locations Are Inconvenient

Yes 15.4 15.3 15.4

No 84.6 84.7 84.6

Bank Account Fees Are Too High

Yes 29.5 30.5 28.4

No 70.5 69.5 71.6

Bank Account Fees Are Too Unpredictable

Yes 27.3 28.8 25.8

No 72.7 71.2 74.2

Banks Do Not Offer Needed Products and Services

Yes 19.2 19.8 18.7

No 80.8 80.2 81.3

Don’t Trust Banks

Yes 33.0 33.5 32.5

No 67.0 66.5 67.5

Don’t Have Enough Money to Meet Minimum Balance Requirements

Yes 40.1 43.0 37.3

No 59.9 57.0 62.7

Avoiding a Bank Gives More Privacy

Yes 34.1 33.2 35.0

No 65.9 66.8 65.0

Don’t Have Personal Identification Required to Open an Account

Yes 11.6 9.0 14.1

No 88.4 91.0 85.9

Problems With Past Banking or Credit History

Yes 13.6 17.6 9.8

No 86.4 82.4 90.2

Other Reason

Yes 21.5 25.0 18.2

No 78.5 75.0 81.8

Did Not Select a Reason

Yes 16.8 11.9 21.4

No 83.2 88.1 78.6

A.6 All Reasons for Not Having a Bank Account by Previous Bank Account Ownership, 2021

Unbanked Households, Column Percent
12 | APPENDIX TABLES | 2021 FDIC National Survey of Unbanked and Underbanked Households

All Previously 

Banked

Never 

Banked

Number of Households (1000s) 5,907 2,880 3,027

Percent of Households 100.0 100.0 100.0

Main Reason Unbanked

Bank Locations Are Inconvenient 4.4 5.2 3.6

Bank Account Fees Are Too High 6.0 6.2 5.8

Bank Account Fees Are Too Unpredictable 1.5 2.3 0.7

Banks Do Not Offer Needed Products and Services 2.4 2.5 2.3

Don’t Trust Banks 13.2 12.6 13.8

Don’t Have Enough Money to Meet Minimum Balance Requirements 21.7 22.5 21.0

Avoiding a Bank Gives More Privacy 8.4 7.0 9.7

Don’t Have Personal Identification Required to Open an Account 2.7 0.7 4.6

Problems With Past Banking or Credit History 5.3 8.6 2.2

Other Reason 17.7 20.5 15.0

Did Not Select a Reason 16.8 11.9 21.4

A.7 Main Reason for Not Having a Bank Account by Previous Bank Account Ownership, 2021

Unbanked Households, Column Percent
2021 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES | 13

All Very 

Interested

Somewhat 

Interested

Not Very 

Interested

Not at All 

Interested

Number of Households (1000s) 5,907 634 976 1,130 3,167

Percent of Households 100.0 100.0 100.0 100.0 100.0

Bank Locations Are Inconvenient

Yes 15.4 18.7 11.0 18.3 15.0

No 84.6 81.3 89.0 81.7 85.0

Bank Account Fees Are Too High

Yes 29.5 24.5 28.7 31.8 29.8

No 70.5 75.5 71.3 68.2 70.2

Bank Account Fees Are Too Unpredictable

Yes 27.3 27.6 25.1 29.3 27.1

No 72.7 72.4 74.9 70.7 72.9

Banks Do Not Offer Needed Products and Services

Yes 19.2 22.5 15.7 22.9 18.3

No 80.8 77.5 84.3 77.1 81.7

Don’t Trust Banks

Yes 33.0 21.0 21.4 37.8 37.3

No 67.0 79.0 78.6 62.2 62.7

Don’t Have Enough Money to Meet Minimum Balance 

Requirements

Yes 40.1 44.2 44.1 47.6 35.4

No 59.9 55.8 55.9 52.4 64.6

Avoiding a Bank Gives More Privacy

Yes 34.1 25.1 31.6 36.0 36.0

No 65.9 74.9 68.4 64.0 64.0

Don’t Have Personal Identification Required to Open an 

Account

Yes 11.6 12.0 12.7 13.8 10.5

No 88.4 88.0 87.3 86.2 89.5

Problems With Past Banking or Credit History

Yes 13.6 18.1 16.3 17.9 10.3

No 86.4 81.9 83.7 82.1 89.7

Other Reason

Yes 21.5 15.1 18.3 16.6 25.6

No 78.5 84.9 81.7 83.4 74.4

Did Not Select a Reason

Yes 16.8 19.0 22.9 11.5 16.3

No 83.2 81.0 77.1 88.5 83.7

A.8 All Reasons for Not Having a Bank Account by Interest in Having a Bank Account, 2021

Unbanked Households, Column Percent
14 | APPENDIX TABLES | 2021 FDIC National Survey of Unbanked and Underbanked Households

All Very 

Interested

Somewhat 

Interested

Not Very 

Interested

Not at All 

Interested

Number of Households (1000s) 5,907 634 976 1,130 3,167

Percent of Households 100.0 100.0 100.0 100.0 100.0

Main Reason Unbanked

Bank Locations Are Inconvenient 4.4 4.8 4.3 5.0 4.1

Bank Account Fees Are Too High 6.0 4.1 7.4 4.3 6.5

Bank Account Fees Are Too Unpredictable 1.5 1.4 1.0 2.4 1.3

Banks Do Not Offer Needed Products and Services 2.4 3.8 2.0 1.5 2.5

Don’t Trust Banks 13.2 2.6 7.0 17.0 15.8

Don’t Have Enough Money to Meet Minimum Balance 

Requirements 21.7 28.8 25.2 24.6 18.2

Avoiding a Bank Gives More Privacy 8.4 6.8 6.9 7.7 9.4

Don’t Have Personal Identification Required to Open an 

Account 2.7 5.2 3.0 3.8 1.6

Problems With Past Banking or Credit History 5.3 8.6 6.0 8.6 3.3

Other Reason 17.7 14.8 14.1 13.6 20.8

Did Not Select a Reason 16.8 19.0 22.9 11.5 16.3

A.9 Main Reason for Not Having a Bank Account by Interest in Having a Bank Account, 2021

Unbanked Households, Column Percent
2021 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES | 15

Characteristics All Longer-Term 

Unbanked

Recently 

Unbanked

Recently 

Banked

Longer-Term 

Banked

Number of Households (1000s) 132,517 5,277 630 5,506 121,105

Percent of Households 100.0 100.0 100.0 100.0 100.0

Family Income

Less Than $15,000 9.5 44.1 24.1 13.5 7.7

$15,000 to $30,000 13.5 28.0 25.6 16.9 12.7

$30,000 to $50,000 18.6 15.0 29.6 19.8 18.6

$50,000 to $75,000 18.5 7.7 15.7 16.6 19.1

At Least $75,000 39.9 5.2 5.0 33.2 41.9

Education

No High School Diploma 7.9 35.4 23.3 13.1 6.4

High School Diploma 24.3 37.8 31.6 27.7 23.5

Some College 27.8 18.7 33.6 26.9 28.2

College Degree 39.9 8.1 11.5 32.2 41.8

Age Group

15 to 24 Years 4.4 4.7 15.5 6.3 4.3

25 to 34 Years 16.2 19.1 13.6 16.0 16.1

35 to 44 Years 17.1 20.6 11.9 18.1 16.9

45 to 54 Years 16.8 19.4 23.3 18.0 16.6

55 to 64 Years 18.6 20.4 15.1 18.1 18.5

65 Years or More 26.9 15.9 20.6 23.5 27.5

Race/Ethnicity

Black 12.8 31.4 41.1 14.9 11.7

Hispanic 14.6 31.1 23.9 23.1 13.5

Asian 5.3 3.5 3.3 5.0 5.4

American Indian or Alaska Native 0.7 1.1 1.4 1.1 0.7

Native Hawaiian or Other Pacific Islander 0.3 0.2 2.3 – 0.3

White 64.9 31.0 27.2 54.1 67.1

Two or More Races 1.4 1.7 0.7 1.8 1.4

Disability Status

Disabled, Aged 25 to 64 8.2 28.8 14.6 9.4 7.2

Not Disabled, Aged 25 to 64 60.5 50.6 49.3 60.7 60.9

Not Applicable (Not Aged 25 to 64) 31.3 20.5 36.1 29.8 31.8

Employment Status

Employed 60.5 35.0 39.2 60.1 61.7

Unemployed 3.7 9.6 11.5 4.9 3.3

Not in Labor Force 35.8 55.4 49.3 35.0 34.9

B.1 Distributions of Household Characteristics by Transitions in Bank Account Ownership, 2021

All Households, Column Percent
16 | APPENDIX TABLES | 2021 FDIC National Survey of Unbanked and Underbanked Households

Characteristics All Longer-Term 

Unbanked

Recently 

Unbanked

Recently 

Banked

Longer-Term 

Banked

Homeownership

Homeowner 65.0 24.6 38.2 55.2 67.4

Non-Homeowner 35.0 75.4 61.8 44.8 32.6

Household Type

Married Couple 46.0 17.1 28.8 44.4 47.4

Unmarried Female-Householder Family 11.9 23.5 33.9 14.2 11.2

Unmarried Male-Householder Family 5.3 8.3 12.8 6.1 5.1

Female-Householder Nonfamily 19.1 22.2 11.6 17.1 19.1

Male-Householder Nonfamily 17.5 28.0 12.8 17.9 17.0

Other 0.1 0.9 0.1 0.2 0.1

Citizenship and Place of Birth

U.S.-Born 85.2 75.8 75.1 77.2 86.0

Foreign-Born Citizen 8.6 9.1 7.9 10.9 8.5

Foreign-Born Noncitizen 6.2 15.1 17.0 11.9 5.5

Metropolitan and Nonmetropolitan 

Status

Metropolitan Area 85.9 80.1 83.9 86.3 86.1

Not in Metropolitan Area 13.3 18.8 15.0 13.2 13.1

Not Identified 0.8 1.1 1.2 0.5 0.8

Geographic Region

Northeast 17.0 15.1 19.4 18.1 17.1

Midwest 21.3 20.6 17.0 21.3 21.3

South 38.8 42.3 42.2 40.2 38.5

West 23.0 21.9 21.4 20.4 23.1

Longer-term unbanked households did not have a bank account at the time of the survey (in June 2021) or at any point in the 12 months 

before (between June 2020 and June 2021). Recently unbanked households did not have a bank account at the time of the survey but 

did at some point in the 12 months before. Recently banked households had a bank account at the time of the survey but did not at 

some point in the 15 months before (between March 2020—when the COVID-19 pandemic began—and June 2021). Longer-term banked 

households had a bank account at the time of the survey and continually during the 15 months before. The dash symbol indicates an 

estimate of zero; the population proportion may be slightly greater than zero.

B.1 Distributions of Household Characteristics by Transitions in Bank Account Ownership, 2021 

(continued)

All Households, Column Percent
2021 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES | 17

Characteristics 2017 2019 2021

90% 

Confidence 

Interval, 2021

Difference 

(2021–2019)

90% 

Confidence 

Interval, 

Difference

All 24.8 21.0 14.9 (14.4, 15.4) -6.0* (-6.7, -5.4)

Family Income

Less Than $15,000 39.1 35.9 24.9 (23.0, 27.0) -10.9* (-13.6, -8.3)

$15,000 to $30,000 38.3 31.7 24.8 (23.2, 26.4) -6.9* (-9.0, -4.8)

$30,000 to $50,000 29.3 24.7 19.5 (18.5, 20.6) -5.2* (-6.7, -3.6)

$50,000 to $75,000 23.8 20.3 14.5 (13.5, 15.6) -5.8* (-7.1, -4.5)

At Least $75,000 13.8 13.1 8.3 (7.8, 8.8) -4.8* (-5.5, -4.0)

Education

No High School Diploma 46.7 39.6 33.4 (31.4, 35.4) -6.2* (-9.1, -3.2)

High School Diploma 33.9 30.3 22.0 (20.9, 23.1) -8.3* (-9.8, -6.8)

Some College 23.5 20.3 14.5 (13.7, 15.2) -5.9* (-6.9, -4.8)

College Degree 15.4 12.9 8.4 (8.0, 8.9) -4.4* (-5.1, -3.7)

Age Group

15 to 24 Years 13.2 10.2 4.1 (3.1, 5.5) -6.1* (-8.1, -4.1)

25 to 34 Years 10.5 8.0 4.8 (4.1, 5.5) -3.2* (-4.3, -2.1)

35 to 44 Years 13.9 10.6 6.3 (5.6, 7.0) -4.3* (-5.3, -3.3)

45 to 54 Years 18.7 15.5 9.9 (9.1, 10.8) -5.5* (-6.9, -4.2)

55 to 64 Years 26.2 24.3 16.5 (15.4, 17.5) -7.8* (-9.3, -6.3)

65 Years or More 46.5 39.2 30.5 (29.5, 31.5) -8.7* (-10.0, -7.4)

Race/Ethnicity

Black 25.2 20.6 15.6 (14.3, 16.9) -5.0* (-6.8, -3.2)

Hispanic 25.4 20.9 14.8 (13.5, 16.1) -6.1* (-8.1, -4.1)

Asian 20.5 18.4 12.0 (10.6, 13.5) -6.4* (-8.6, -4.1)

American Indian or Alaska Native 30.9 23.2 11.1 (7.5, 16.0) -12.2* (-18.9, -5.5)

Native Hawaiian or Other Pacific 

Islander NA NA NA NA NA NA

White 25.0 21.4 15.3 (14.7, 15.8) -6.1* (-6.8, -5.4)

Two or More Races 18.0 14.0 8.7 (6.3, 11.8) -5.4* (-9.9, -0.8)

Disability Status

Disabled, Aged 25 to 64 28.8 23.3 16.1 (14.5, 17.7) -7.2* (-9.7, -4.7)

Not Disabled, Aged 25 to 64 16.4 13.9 8.8 (8.3, 9.3) -5.1* (-5.8, -4.4)

Not Applicable (Not Aged 25 to 64) 41.0 34.8 26.8 (25.9, 27.7) -8.0* (-9.2, -6.8)

Employment Status

Employed 17.0 14.3 9.1 (8.7, 9.6) -5.2* (-5.9, -4.5)

Unemployed 20.9 18.6 11.8 (9.9, 14.0) -6.8* (-10.4, -3.1)

Not in Labor Force 39.4 33.8 25.8 (25.0, 26.7) -8.0* (-9.1, -6.8)

C.1 Bank Teller as Primary Method of Bank Account Access by Household Characteristics, 2017–2021

Banked Households That Accessed Their Account in the Past 12 Months, Row Percent
18 | APPENDIX TABLES | 2021 FDIC National Survey of Unbanked and Underbanked Households

Characteristics 2017 2019 2021

90% 

Confidence 

Interval, 2021

Difference 

(2021–2019)

90% 

Confidence 

Interval, 

Difference

Homeownership

Homeowner 26.6 22.6 16.0 (15.4, 16.6) -6.6* (-7.4, -5.8)

Non-Homeowner 21.1 17.6 12.7 (12.0, 13.5) -4.9* (-6.0, -3.7)

Household Type

Married Couple 22.6 19.7 13.7 (13.1, 14.3) -6.0* (-6.9, -5.2)

Unmarried Female-Householder 

Family 22.2 18.3 12.1 (11.0, 13.3) -6.2* (-7.8, -4.6)

Unmarried Male-Householder Family 25.1 20.8 13.7 (12.1, 15.5) -7.1* (-9.4, -4.7)

Female-Householder Nonfamily 31.2 26.4 19.9 (18.9, 20.9) -6.5* (-8.1, -4.9)

Male-Householder Nonfamily 25.9 20.5 15.3 (14.3, 16.4) -5.2* (-6.7, -3.8)

Other NA NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 24.5 20.8 14.6 (14.1, 15.1) -6.1* (-6.8, -5.5)

Foreign-Born Citizen 27.1 23.9 17.1 (15.6, 18.7) -6.8* (-9.2, -4.4)

Foreign-Born Noncitizen 26.3 19.2 16.0 (14.4, 17.8) -3.1* (-5.6, -0.6)

Metropolitan and Nonmetropolitan 

Status

Metropolitan Area 22.7 19.1 13.3 (12.8, 13.8) -5.7* (-6.5, -5.0)

Not in Metropolitan Area 38.1 33.4 25.5 (23.9, 27.2) -7.9* (-9.9, -5.9)

Not Identified 33.8 28.1 15.8 (11.9, 20.7) -12.3* (-19.5, -5.0)

Geographic Region

Northeast 26.6 22.0 17.6 (16.5, 18.7) -4.4* (-6.0, -2.8)

Midwest 27.9 22.6 17.3 (16.5, 18.3) -5.3* (-6.5, -4.1)

South 24.9 21.2 14.3 (13.5, 15.0) -6.9* (-8.0, -5.8)

West 20.2 18.2 11.8 (11.0, 12.6) -6.4* (-7.6, -5.3)

The 2017 estimates published in this table may differ from the 2017 estimates published in previous reports because the 2021 report 

addresses item nonresponse in the 2017 data through imputation, while previous reports addressed item nonresponse in the 2017 data 

in other ways; see Appendix 1 (FDIC Technical Notes) for details. Asterisk indicates differences that are statistically significant at the 10 

percent level. NA indicates that the sample size is too small to produce a precise estimate.

C.1 Bank Teller as Primary Method of Bank Account Access by Household Characteristics, 2017–2021 

(continued)

Banked Households That Accessed Their Account in the Past 12 Months, Row Percent
2021 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES | 19

Characteristics 2017 2019 2021

90% 

Confidence 

Interval, 2021

Difference 

(2021–2019)

90% 

Confidence 

Interval, 

Difference

All 37.0 22.8 22.0 (21.5, 22.5) -0.8* (-1.5, -0.2)

Family Income

Less Than $15,000 18.4 9.9 9.9 (8.5, 11.4) 0.0 (-1.8, 1.7)

$15,000 to $30,000 20.7 12.7 13.0 (12.0, 14.2) 0.4 (-1.1, 1.8)

$30,000 to $50,000 28.8 17.1 17.4 (16.4, 18.4) 0.3 (-1.0, 1.5)

$50,000 to $75,000 39.2 21.2 20.3 (19.3, 21.3) -0.9 (-2.4, 0.5)

At Least $75,000 51.7 32.1 29.7 (28.8, 30.5) -2.5* (-3.6, -1.3)

Education

No High School Diploma 11.2 5.8 6.5 (5.5, 7.8) 0.8 (-0.6, 2.2)

High School Diploma 26.2 14.6 13.6 (12.8, 14.4) -1.0 (-2.1, 0.1)

Some College 36.3 20.6 19.8 (19.0, 20.7) -0.7 (-1.8, 0.4)

College Degree 50.0 32.1 30.5 (29.6, 31.4) -1.6* (-2.8, -0.4)

Age Group

15 to 24 Years 27.6 7.2 6.3 (5.0, 7.9) -1.0 (-2.9, 1.0)

25 to 34 Years 37.6 14.4 12.9 (11.9, 13.9) -1.5* (-2.9, 0.0)

35 to 44 Years 43.7 20.1 18.4 (17.3, 19.6) -1.7 (-3.4, 0.0)

45 to 54 Years 44.0 26.6 22.8 (21.7, 23.9) -3.8* (-5.3, -2.2)

55 to 64 Years 40.1 29.3 27.3 (26.2, 28.5) -1.9* (-3.6, -0.3)

65 Years or More 26.8 25.7 28.2 (27.3, 29.2) 2.5* (1.3, 3.7)

Race/Ethnicity

Black 26.0 12.0 12.1 (10.8, 13.5) 0.1 (-1.6, 1.8)

Hispanic 26.9 11.1 11.6 (10.6, 12.7) 0.5 (-0.9, 2.0)

Asian 47.8 25.7 25.7 (23.5, 28.0) -0.1 (-3.1, 3.0)

American Indian or Alaska Native 24.1 17.0 13.3 (8.8, 19.5) -3.7 (-11.4, 3.9)

Native Hawaiian or Other Pacific 

Islander NA NA NA NA NA NA

White 40.0 26.7 25.8 (25.1, 26.4) -0.9* (-1.7, -0.2)

Two or More Races 33.7 24.1 20.6 (16.7, 25.0) -3.6 (-9.3, 2.2)

Disability Status

Disabled, Aged 25 to 64 27.9 17.2 14.2 (12.8, 15.7) -3.0* (-4.9, -1.0)

Not Disabled, Aged 25 to 64 43.1 23.5 21.3 (20.7, 21.9) -2.1* (-3.0, -1.3)

Not Applicable (Not Aged 25 to 64) 26.9 22.9 25.1 (24.3, 26.0) 2.3* (1.2, 3.3)

Employment Status

Employed 42.4 23.0 21.3 (20.7, 22.0) -1.7* (-2.5, -0.8)

Unemployed 31.1 19.6 16.2 (14.0, 18.6) -3.4 (-7.3, 0.6)

Not in Labor Force 27.5 22.7 23.7 (23.0, 24.5) 1.0 (0.0, 2.1)

C.2 Online Banking as Primary Method of Bank Account Access by Household Characteristics, 

2017–2021

Banked Households That Accessed Their Account in the Past 12 Months, Row Percent
20 | APPENDIX TABLES | 2021 FDIC National Survey of Unbanked and Underbanked Households

Characteristics 2017 2019 2021

90% 

Confidence 

Interval, 2021

Difference 

(2021–2019)

90% 

Confidence 

Interval, 

Difference

Homeownership

Homeowner 40.5 27.5 26.5 (25.9, 27.1) -1.0* (-1.8, -0.2)

Non-Homeowner 30.1 13.3 12.8 (12.1, 13.6) -0.4 (-1.5, 0.6)

Household Type

Married Couple 43.5 28.4 27.3 (26.6, 28.0) -1.1* (-2.1, -0.2)

Unmarried Female-Householder 

Family 29.4 13.1 12.3 (11.3, 13.5) -0.8 (-2.3, 0.7)

Unmarried Male-Householder Family 28.8 15.7 14.6 (12.9, 16.4) -1.1 (-3.7, 1.4)

Female-Householder Nonfamily 31.3 18.7 20.3 (19.3, 21.3) 1.7* (0.3, 3.0)

Male-Householder Nonfamily 31.6 19.9 17.8 (16.7, 18.8) -2.1* (-3.6, -0.7)

Other NA NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 37.4 23.6 22.6 (22.1, 23.2) -1.0* (-1.6, -0.3)

Foreign-Born Citizen 36.5 20.7 21.3 (19.7, 23.0) 0.6 (-1.8, 3.0)

Foreign-Born Noncitizen 32.1 14.5 13.2 (11.7, 15.0) -1.3 (-3.8, 1.3)

Metropolitan and Nonmetropolitan 

Status

Metropolitan Area 38.4 23.5 22.8 (22.3, 23.4) -0.7* (-1.4, 0.0)

Not in Metropolitan Area 28.1 18.5 16.9 (15.6, 18.2) -1.7* (-3.2, -0.1)

Not Identified 33.6 17.3 16.1 (11.3, 22.5) -1.2 (-5.8, 3.3)

Geographic Region

Northeast 34.3 24.0 24.2 (22.9, 25.5) 0.2 (-1.4, 1.8)

Midwest 37.4 23.3 21.1 (20.1, 22.1) -2.2* (-3.6, -0.8)

South 36.3 20.4 20.5 (19.7, 21.3) 0.1 (-1.0, 1.1)

West 40.1 25.6 23.7 (22.7, 24.8) -1.9* (-3.3, -0.4)

The 2017 estimates published in this table may differ from the 2017 estimates published in previous reports because the 2021 report 

addresses item nonresponse in the 2017 data through imputation, while previous reports addressed item nonresponse in the 2017 data 

in other ways; see Appendix 1 (FDIC Technical Notes) for details. Asterisk indicates differences that are statistically significant at the 10 

percent level. NA indicates that the sample size is too small to produce a precise estimate.

C.2 Online Banking as Primary Method of Bank Account Access by Household Characteristics, 

2017–2021 (continued)

Banked Households That Accessed Their Account in the Past 12 Months, Row Percent
2021 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES | 21

Characteristics 2017 2019 2021

90% 

Confidence 

Interval, 2021

Difference 

(2021–2019)

90% 

Confidence 

Interval, 

Difference

All 15.1 34.0 43.5 (42.9, 44.0) 9.5* (8.8, 10.2)

Family Income

Less Than $15,000 10.8 23.5 33.9 (31.6, 36.3) 10.4* (7.5, 13.3)

$15,000 to $30,000 11.3 25.9 33.4 (31.9, 34.8) 7.5* (5.5, 9.5)

$30,000 to $50,000 15.5 33.2 39.4 (38.2, 40.7) 6.2* (4.6, 7.9)

$50,000 to $75,000 15.4 35.9 44.9 (43.6, 46.3) 9.1* (7.2, 10.9)

At Least $75,000 17.4 38.1 49.3 (48.5, 50.1) 11.2* (10.1, 12.3)

Education

No High School Diploma 8.0 19.2 24.3 (22.2, 26.6) 5.1* (2.2, 8.0)

High School Diploma 11.3 27.3 38.0 (36.8, 39.2) 10.7* (9.2, 12.3)

Some College 16.8 36.5 45.6 (44.6, 46.6) 9.2* (7.8, 10.5)

College Degree 17.7 38.6 48.0 (47.0, 48.9) 9.4* (8.2, 10.6)

Age Group

15 to 24 Years 35.3 62.9 74.1 (71.4, 76.6) 11.2* (7.2, 15.2)

25 to 34 Years 34.1 61.7 69.4 (68.0, 70.8) 7.7* (5.6, 9.8)

35 to 44 Years 22.0 49.8 60.5 (59.0, 61.9) 10.6* (8.6, 12.7)

45 to 54 Years 12.8 36.3 49.1 (47.6, 50.5) 12.7* (10.8, 14.6)

55 to 64 Years 6.8 21.3 33.2 (31.9, 34.5) 11.9* (10.2, 13.6)

65 Years or More 2.5 8.3 15.3 (14.5, 16.0) 6.9* (5.9, 7.9)

Race/Ethnicity

Black 16.4 37.2 45.4 (43.5, 47.4) 8.2* (5.7, 10.8)

Hispanic 18.6 41.3 49.6 (48.1, 51.1) 8.2* (6.2, 10.3)

Asian 14.6 39.3 48.6 (46.4, 50.8) 9.3* (6.3, 12.3)

American Indian or Alaska Native 14.9 30.5 50.6 (43.2, 57.9) 20.1* (10.1, 30.1)

Native Hawaiian or Other Pacific 

Islander NA NA NA NA NA NA

White 14.1 31.4 41.1 (40.4, 41.7) 9.7* (8.9, 10.5)

Two or More Races 26.4 45.5 52.3 (47.3, 57.3) 6.8 (-0.2, 13.8)

Disability Status

Disabled, Aged 25 to 64 9.8 29.8 42.3 (40.0, 44.7) 12.6* (9.7, 15.5)

Not Disabled, Aged 25 to 64 19.3 42.9 53.7 (52.9, 54.4) 10.7* (9.7, 11.8)

Not Applicable (Not Aged 25 to 64) 7.9 16.7 23.5 (22.8, 24.4) 6.9* (5.7, 8.0)

Employment Status

Employed 19.8 43.3 53.9 (53.2, 54.7) 10.6* (9.6, 11.7)

Unemployed 20.9 37.4 48.7 (45.7, 51.8) 11.3* (6.3, 16.3)

Not in Labor Force 6.1 15.9 23.9 (23.0, 24.8) 8.0* (7.0, 9.0)

C.3 Mobile Banking as Primary Method of Bank Account Access by Household Characteristics, 

2017–2021

Banked Households That Accessed Their Account in the Past 12 Months, Row Percent
22 | APPENDIX TABLES | 2021 FDIC National Survey of Unbanked and Underbanked Households

Characteristics 2017 2019 2021

90% 

Confidence 

Interval, 2021

Difference 

(2021–2019)

90% 

Confidence 

Interval, 

Difference

Homeownership

Homeowner 12.0 29.1 39.4 (38.7, 40.1) 10.4* (9.5, 11.2)

Non-Homeowner 21.4 43.9 51.6 (50.6, 52.6) 7.7* (6.2, 9.1)

Household Type

Married Couple 14.4 32.7 42.5 (41.7, 43.4) 9.8* (8.8, 10.8)

Unmarried Female-Householder 

Family 18.8 41.9 52.4 (50.6, 54.2) 10.5* (8.1, 12.9)

Unmarried Male-Householder Family 17.6 38.4 48.8 (46.0, 51.5) 10.4* (6.9, 13.9)

Female-Householder Nonfamily 12.4 30.1 37.6 (36.4, 38.9) 7.5* (5.8, 9.2)

Male-Householder Nonfamily 17.0 35.3 44.6 (43.3, 46.0) 9.4* (7.5, 11.2)

Other NA NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 15.3 33.8 43.2 (42.6, 43.8) 9.4* (8.6, 10.2)

Foreign-Born Citizen 11.8 31.5 43.1 (41.1, 45.1) 11.6* (9.1, 14.1)

Foreign-Born Noncitizen 17.4 40.8 47.8 (45.3, 50.3) 7.0* (3.3, 10.6)

Metropolitan and Nonmetropolitan 

Status

Metropolitan Area 15.7 35.4 44.7 (44.1, 45.3) 9.3* (8.5, 10.1)

Not in Metropolitan Area 11.0 24.3 35.3 (33.5, 37.1) 11.0* (8.9, 13.2)

Not Identified 14.2 33.4 40.9 (36.7, 45.3) 7.6* (1.8, 13.3)

Geographic Region

Northeast 11.8 28.7 36.6 (35.2, 38.0) 7.9* (6.1, 9.7)

Midwest 14.8 33.2 44.3 (43.2, 45.3) 11.0* (9.6, 12.5)

South 15.4 35.8 45.3 (44.3, 46.3) 9.5* (8.2, 10.9)

West 17.5 35.6 44.7 (43.6, 45.8) 9.1* (7.5, 10.7)

The 2017 estimates published in this table may differ from the 2017 estimates published in previous reports because the 2021 report 

addresses item nonresponse in the 2017 data through imputation, while previous reports addressed item nonresponse in the 2017 data 

in other ways; see Appendix 1 (FDIC Technical Notes) for details. Asterisk indicates differences that are statistically significant at the 10 

percent level. NA indicates that the sample size is too small to produce a precise estimate.

C.3 Mobile Banking as Primary Method of Bank Account Access by Household Characteristics, 

2017–2021 (continued)

Banked Households That Accessed Their Account in the Past 12 Months, Row Percent
2021 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES | 23

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Bank 

Teller

ATM/

Kiosk

Telephone 

Banking

Online 

Banking

Mobile 

Banking Other

All 124,385 100.0 63.4 79.6 43.6 66.1 71.7 1.6

Family Income

Less Than $15,000 9,498 100.0 62.8 70.1 42.3 36.9 53.5 2.5

$15,000 to $30,000 15,659 100.0 64.9 71.9 42.4 42.4 54.1 2.3

$30,000 to $50,000 23,074 100.0 64.3 78.1 43.0 55.1 64.6 1.3

$50,000 to $75,000 23,837 100.0 64.1 80.9 42.8 67.3 72.9 1.4

At Least $75,000 52,317 100.0 62.3 83.6 44.9 82.8 82.7 1.5

Education

No High School Diploma 8,004 100.0 64.4 71.5 40.8 26.7 45.5 2.2

High School Diploma 29,123 100.0 65.9 77.5 42.5 49.5 61.7 1.7

Some College 35,247 100.0 64.8 80.7 44.7 64.0 72.5 1.5

College Degree 52,011 100.0 60.9 81.2 44.0 82.9 80.7 1.6

Age Group

15 to 24 Years 5,468 100.0 57.8 84.8 46.8 61.5 93.3 0.9

25 to 34 Years 20,299 100.0 52.7 83.9 41.8 71.2 92.3 0.9

35 to 44 Years 21,383 100.0 57.7 86.3 41.8 74.3 89.2 1.5

45 to 54 Years 20,878 100.0 63.7 86.1 44.8 71.8 81.3 1.2

55 to 64 Years 23,053 100.0 66.3 81.5 44.1 67.3 66.6 1.5

65 Years or More 33,304 100.0 72.2 66.3 44.4 54.1 41.7 2.6

Race/Ethnicity

Black 14,676 100.0 59.0 83.8 45.0 57.1 71.5 2.0

Hispanic 17,187 100.0 56.2 84.6 39.7 56.5 77.2 1.4

Asian 6,736 100.0 55.4 78.1 38.1 78.1 81.6 1.7

American Indian or Alaska Native 879 100.0 63.7 79.9 55.5 55.2 69.5 0.6

Native Hawaiian or Other Pacific 

Islander NA NA NA NA NA NA NA NA

White 82,861 100.0 66.3 77.7 44.4 68.8 69.6 1.6

Two or More Races 1,740 100.0 60.5 85.1 47.3 67.1 78.1 2.3

Disability Status

Disabled, Aged 25 to 64 8,983 100.0 62.2 80.0 48.1 50.8 66.2 1.8

Not Disabled, Aged 25 to 64 76,630 100.0 60.1 84.9 42.6 73.4 83.8 1.2

Not Applicable (Not Aged 25 to 64) 38,772 100.0 70.2 68.9 44.7 55.2 48.9 2.3

Employment Status

Employed 77,532 100.0 60.7 84.1 43.2 73.5 83.4 1.3

Unemployed 4,261 100.0 58.6 87.2 42.9 62.5 78.7 0.9

Not in Labor Force 42,592 100.0 68.7 70.4 44.6 53.0 49.6 2.3

Homeownership

Homeowner 83,282 100.0 66.7 78.4 44.7 70.4 69.4 1.6

Non-Homeowner 41,103 100.0 56.7 81.9 41.6 57.4 76.2 1.6

C.4 All Methods Used to Access Bank Accounts by Household Characteristics, 2021

Banked Households That Accessed Their Account in the Past 12 Months, Row Percent
24 | APPENDIX TABLES | 2021 FDIC National Survey of Unbanked and Underbanked Households

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Bank 

Teller

ATM/

Kiosk

Telephone 

Banking

Online 

Banking

Mobile 

Banking Other

Household Type

Married Couple 59,380 100.0 66.4 81.1 45.7 74.5 74.8 1.4

Unmarried Female-Householder 

Family 14,142 100.0 60.1 84.5 45.0 59.8 78.7 1.7

Unmarried Male-Householder Family 6,420 100.0 64.7 86.4 43.8 58.6 78.1 0.9

Female-Householder Nonfamily 23,172 100.0 60.7 70.8 41.2 55.9 60.5 2.4

Male-Householder Nonfamily 21,153 100.0 59.7 79.3 39.7 60.2 68.4 1.5

Other NA NA NA NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 106,611 100.0 64.2 79.4 44.4 66.7 71.1 1.7

Foreign-Born Citizen 10,601 100.0 60.6 79.7 40.9 65.8 73.0 1.4

Foreign-Born Noncitizen 7,173 100.0 55.6 82.3 37.0 58.1 77.6 1.0

Metropolitan and Nonmetropolitan 

Status

Metropolitan Area 107,278 100.0 61.3 80.3 42.6 68.4 73.5 1.5

Not in Metropolitan Area 16,152 100.0 76.3 74.6 50.2 52.2 59.8 2.1

Not Identified 955 100.0 72.1 78.4 55.4 46.9 62.2 0.7

Geographic Region

Northeast 21,246 100.0 65.4 81.4 41.0 67.5 68.3 1.5

Midwest 26,554 100.0 68.7 76.0 43.4 64.1 69.7 1.7

South 47,830 100.0 61.2 79.3 45.4 65.1 72.9 1.7

West 28,755 100.0 60.5 81.8 43.0 68.6 73.8 1.5

Row percentages sum to more than 100 because households could select more than one bank account access method. NA indicates 

that the sample size is too small to produce a precise estimate.

C.4 All Methods Used to Access Bank Accounts by Household Characteristics, 2021 (continued)

Banked Households That Accessed Their Account in the Past 12 Months, Row Percent
2021 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES | 25

Characteristics 2019 2021

90% 

Confidence 

Interval, 2021

Difference 

(2021–2019)

90% 

Confidence 

Interval, 

Difference

All 5.7 3.9 (3.7, 4.1) -1.8* (-2.1, -1.5)

Family Income

Less Than $15,000 13.7 8.8 (7.8, 9.9) -4.9* (-6.5, -3.3)

$15,000 to $30,000 10.6 8.2 (7.4, 9.1) -2.4* (-3.6, -1.2)

$30,000 to $50,000 7.2 5.1 (4.6, 5.6) -2.0* (-2.8, -1.3)

$50,000 to $75,000 4.9 3.3 (2.9, 3.8) -1.6* (-2.2, -0.9)

At Least $75,000 2.2 1.4 (1.2, 1.6) -0.8* (-1.1, -0.5)

Education

No High School Diploma 13.6 11.7 (10.4, 13.1) -1.9* (-3.6, -0.2)

High School Diploma 9.6 6.5 (6.0, 7.0) -3.1* (-4.0, -2.3)

Some College 4.7 3.2 (2.8, 3.6) -1.5* (-2.0, -1.0)

College Degree 2.8 1.6 (1.4, 1.9) -1.1* (-1.5, -0.8)

Age Group

15 to 24 Years 1.3 0.7 (0.3, 1.7) -0.6 (-1.4, 0.2)

25 to 34 Years 0.9 0.6 (0.4, 0.9) -0.3 (-0.7, 0.1)

35 to 44 Years 1.5 0.9 (0.7, 1.2) -0.7* (-1.1, -0.3)

45 to 54 Years 2.2 1.4 (1.1, 1.7) -0.9* (-1.4, -0.3)

55 to 64 Years 5.1 3.3 (2.9, 3.8) -1.8* (-2.5, -1.1)

65 Years or More 14.9 10.2 (9.6, 10.9) -4.7* (-5.7, -3.8)

Race/Ethnicity

Black 4.7 4.0 (3.4, 4.7) -0.8 (-1.7, 0.2)

Hispanic 4.4 3.2 (2.7, 3.9) -1.2* (-2.0, -0.3)

Asian 5.2 2.6 (2.0, 3.4) -2.6* (-3.9, -1.3)

American Indian or Alaska Native 5.2 3.3 (1.5, 7.2) -1.9 (-5.5, 1.6)

Native Hawaiian or Other Pacific Islander NA NA NA NA NA

White 6.2 4.1 (3.9, 4.4) -2.0* (-2.4, -1.7)

Two or More Races 3.9 1.5 (0.8, 2.9) -2.3* (-4.5, -0.2)

Disability Status

Disabled, Aged 25 to 64 5.5 3.3 (2.6, 4.1) -2.2* (-3.3, -1.2)

Not Disabled, Aged 25 to 64 2.2 1.4 (1.2, 1.6) -0.8* (-1.1, -0.5)

Not Applicable (Not Aged 25 to 64) 12.9 8.9 (8.3, 9.5) -4.0* (-4.8, -3.1)

Employment Status

Employed 2.4 1.5 (1.3, 1.6) -1.0* (-1.2, -0.7)

Unemployed 3.7 2.2 (1.4, 3.4) -1.5 (-3.2, 0.3)

Not in Labor Force 12.0 8.4 (7.9, 8.9) -3.7* (-4.4, -2.9)

C.5 Bank Teller as Only Method of Bank Account Access by Household Characteristics, 2019–2021

Banked Households That Accessed Their Account in the Past 12 Months, Row Percent
26 | APPENDIX TABLES | 2021 FDIC National Survey of Unbanked and Underbanked Households

Characteristics 2019 2021

90% 

Confidence 

Interval, 2021

Difference 

(2021–2019)

90% 

Confidence 

Interval, 

Difference

Homeownership

Homeowner 6.4 4.2 (3.9, 4.5) -2.2* (-2.6, -1.8)

Non-Homeowner 4.3 3.2 (2.9, 3.5) -1.1* (-1.6, -0.6)

Household Type

Married Couple 4.5 2.8 (2.6, 3.1) -1.6* (-2.0, -1.2)

Unmarried Female-Householder Family 3.1 2.2 (1.8, 2.7) -0.9* (-1.6, -0.2)

Unmarried Male-Householder Family 4.1 2.2 (1.5, 3.1) -1.9* (-3.0, -0.8)

Female-Householder Nonfamily 9.4 7.2 (6.6, 7.9) -2.2* (-3.3, -1.2)

Male-Householder Nonfamily 7.2 4.8 (4.2, 5.3) -2.4* (-3.3, -1.6)

Other NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 5.7 3.8 (3.6, 4.0) -1.9* (-2.2, -1.6)

Foreign-Born Citizen 6.6 4.4 (3.6, 5.4) -2.1* (-3.5, -0.8)

Foreign-Born Noncitizen 4.0 3.7 (2.9, 4.8) -0.3 (-1.6, 0.9)

Metropolitan and Nonmetropolitan Status

Metropolitan Area 5.0 3.4 (3.2, 3.7) -1.6* (-1.9, -1.2)

Not in Metropolitan Area 10.2 6.7 (6.1, 7.4) -3.5* (-4.5, -2.4)

Not Identified 7.4 2.2 (1.3, 3.9) -5.2* (-8.1, -2.3)

Geographic Region

Northeast 6.3 5.0 (4.4, 5.6) -1.4* (-2.2, -0.5)

Midwest 6.9 5.1 (4.7, 5.6) -1.7* (-2.5, -1.0)

South 5.5 3.4 (3.1, 3.7) -2.1* (-2.6, -1.6)

West 4.4 2.6 (2.3, 3.0) -1.8* (-2.4, -1.2)

Asterisk indicates differences that are statistically significant at the 10 percent level. NA indicates that the sample size is too small to 

produce a precise estimate.

C.5 Bank Teller as Only Method of Bank Account Access by Household Characteristics, 2019–2021 

(continued)

Banked Households That Accessed Their Account in the Past 12 Months, Row Percent
2021 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES | 27

Characteristics 2019 2021

90% 

Confidence 

Interval, 2021

Difference 

(2021–2019)

90% 

Confidence 

Interval, 

Difference

All 14.8 9.9 (9.6, 10.2) -4.9* (-5.4, -4.4)

Family Income

Less Than $15,000 31.3 21.3 (19.7, 22.9) -10.0* (-12.4, -7.6)

$15,000 to $30,000 26.9 19.7 (18.5, 20.9) -7.2* (-8.8, -5.5)

$30,000 to $50,000 18.2 13.7 (12.9, 14.6) -4.4* (-5.8, -3.1)

$50,000 to $75,000 13.1 8.7 (8.0, 9.3) -4.5* (-5.4, -3.5)

At Least $75,000 6.7 3.7 (3.4, 4.1) -3.0* (-3.5, -2.5)

Education

No High School Diploma 36.7 29.3 (27.2, 31.4) -7.4* (-10.3, -4.5)

High School Diploma 23.2 16.0 (15.3, 16.8) -7.1* (-8.3, -6.0)

Some College 12.8 8.6 (8.0, 9.2) -4.2* (-5.0, -3.4)

College Degree 7.6 4.3 (4.0, 4.7) -3.3* (-3.8, -2.7)

Age Group

15 to 24 Years 6.9 3.1 (2.1, 4.5) -3.8* (-5.5, -2.1)

25 to 34 Years 5.6 3.2 (2.7, 3.7) -2.4* (-3.3, -1.6)

35 to 44 Years 6.8 3.6 (3.1, 4.2) -3.3* (-4.1, -2.4)

45 to 54 Years 9.8 6.6 (5.9, 7.2) -3.2* (-4.3, -2.2)

55 to 64 Years 16.0 11.0 (10.2, 11.9) -5.0* (-6.3, -3.8)

65 Years or More 29.6 20.4 (19.6, 21.3) -9.1* (-10.4, -7.9)

Race/Ethnicity

Black 16.8 13.2 (12.0, 14.4) -3.7* (-5.4, -1.9)

Hispanic 16.9 10.9 (10.0, 11.9) -6.0* (-7.5, -4.5)

Asian 11.9 7.2 (6.1, 8.5) -4.7* (-6.6, -2.8)

American Indian or Alaska Native 18.3 10.3 (6.8, 15.3) -8.0* (-14.5, -1.5)

Native Hawaiian or Other Pacific Islander NA NA NA NA NA

White 14.3 9.4 (9.0, 9.8) -4.9* (-5.4, -4.3)

Two or More Races 9.7 5.7 (4.1, 7.9) -4.0* (-7.4, -0.6)

Disability Status

Disabled, Aged 25 to 64 19.5 12.9 (11.6, 14.4) -6.5* (-8.4, -4.6)

Not Disabled, Aged 25 to 64 8.7 5.4 (5.1, 5.8) -3.2* (-3.8, -2.7)

Not Applicable (Not Aged 25 to 64) 26.1 18.0 (17.3, 18.8) -8.1* (-9.3, -7.0)

Employment Status

Employed 8.8 5.2 (4.9, 5.6) -3.5* (-4.0, -3.0)

Unemployed 11.7 8.6 (6.9, 10.6) -3.1* (-6.1, -0.1)

Not in Labor Force 26.4 18.4 (17.8, 19.2) -8.0* (-9.1, -6.9)

C.6 Physical Channels (Bank Teller and ATM/Kiosk) as Only Methods of Bank Account Access by 

Household Characteristics, 2019–2021

Banked Households That Accessed Their Account in the Past 12 Months, Row Percent
28 | APPENDIX TABLES | 2021 FDIC National Survey of Unbanked and Underbanked Households

Characteristics 2019 2021

90% 

Confidence 

Interval, 2021

Difference 

(2021–2019)

90% 

Confidence 

Interval, 

Difference

Homeownership

Homeowner 14.8 9.6 (9.2, 10.0) -5.2* (-5.8, -4.6)

Non-Homeowner 14.7 10.5 (9.9, 11.1) -4.2* (-5.2, -3.2)

Household Type

Married Couple 11.3 7.2 (6.9, 7.6) -4.1* (-4.7, -3.5)

Unmarried Female-Householder Family 13.7 8.2 (7.4, 9.1) -5.5* (-7.0, -4.0)

Unmarried Male-Householder Family 15.2 9.4 (8.0, 11.1) -5.8* (-8.2, -3.3)

Female-Householder Nonfamily 20.7 14.9 (14.0, 15.8) -5.8* (-7.2, -4.3)

Male-Householder Nonfamily 18.6 13.2 (12.3, 14.1) -5.5* (-6.8, -4.1)

Other NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 14.3 9.5 (9.1, 9.8) -4.8* (-5.3, -4.3)

Foreign-Born Citizen 17.9 11.6 (10.3, 13.1) -6.3* (-8.3, -4.3)

Foreign-Born Noncitizen 17.4 13.2 (11.8, 14.8) -4.2* (-6.7, -1.8)

Metropolitan and Nonmetropolitan Status

Metropolitan Area 13.7 9.1 (8.7, 9.4) -4.6* (-5.1, -4.1)

Not in Metropolitan Area 21.9 15.2 (14.1, 16.3) -6.7* (-8.2, -5.3)

Not Identified 21.2 10.5 (6.5, 16.6) -10.7* (-17.8, -3.6)

Geographic Region

Northeast 17.4 12.3 (11.5, 13.1) -5.1* (-6.4, -3.8)

Midwest 15.2 10.4 (9.7, 11.2) -4.8* (-5.7, -3.8)

South 14.7 9.4 (8.9, 10.0) -5.3* (-6.1, -4.4)

West 12.5 8.4 (7.8, 9.0) -4.1* (-5.1, -3.2)

Asterisk indicates differences that are statistically significant at the 10 percent level. NA indicates that the sample size is too small to 

produce a precise estimate.

C.6 Physical Channels (Bank Teller and ATM/Kiosk) as Only Methods of Bank Account Access by 

Household Characteristics, 2019–2021 (continued)

Banked Households That Accessed Their Account in the Past 12 Months, Row Percent
2021 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES | 29

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Pay 

Bills

Receive 

Income

Save or 

Keep 

Money 

Safe

Send or 

Receive 

Money

Make 

Purchases 

in Person

Make 

Purchases 

Online

Some 

Other 

Use

None 

Selected

All 126,610 100.0 94.1 88.5 83.0 36.1 80.6 71.2 1.4 0.7

Family Income

Less Than $15,000 10,068 100.0 88.0 79.4 68.4 25.8 73.8 49.6 0.9 1.7

$15,000 to $30,000 16,251 100.0 91.5 85.5 74.4 25.9 78.1 55.3 1.2 0.8

$30,000 to $50,000 23,637 100.0 93.1 86.3 80.1 30.5 80.1 66.4 1.1 1.1

$50,000 to $75,000 24,058 100.0 94.7 89.5 84.0 35.1 83.4 75.6 1.1 0.5

At Least $75,000 52,597 100.0 96.2 91.7 89.2 44.2 81.7 80.5 1.9 0.3

Education

No High School Diploma 8,477 100.0 87.9 78.9 70.3 21.5 74.7 42.6 0.6 2.0

High School Diploma 30,043 100.0 92.8 85.6 79.0 27.0 80.9 63.8 0.7 0.8

Some College 35,687 100.0 94.2 88.7 82.0 34.4 83.8 75.4 1.3 0.6

College Degree 52,404 100.0 95.7 91.6 87.9 44.9 79.3 77.3 2.1 0.4

Age Group

15 to 24 Years 5,537 100.0 92.5 83.4 85.8 53.6 88.6 88.2 0.8 1.0

25 to 34 Years 20,422 100.0 94.2 86.7 84.9 47.1 84.2 84.2 1.2 0.6

35 to 44 Years 21,501 100.0 94.9 87.5 84.5 42.5 83.6 82.0 1.5 0.6

45 to 54 Years 21,081 100.0 94.8 86.3 83.8 40.3 83.7 77.6 1.5 0.7

55 to 64 Years 23,410 100.0 94.5 87.5 82.0 31.1 80.8 69.7 1.3 0.6

65 Years or More 34,659 100.0 93.0 93.0 80.6 23.7 73.5 51.4 1.6 0.7

Race/Ethnicity

Black 15,016 100.0 91.6 86.7 76.5 37.1 80.7 70.7 1.5 0.9

Hispanic 17,575 100.0 91.6 81.0 78.2 38.6 83.1 69.0 0.8 1.2

Asian 6,836 100.0 95.2 86.1 82.7 49.8 70.6 70.2 2.2 0.4

American Indian or Alaska 

Native 893 100.0 92.9 87.9 77.1 35.6 82.9 68.2 – 1.6

Native Hawaiian or Other 

Pacific Islander NA NA NA NA NA NA NA NA NA NA

White 84,228 100.0 95.0 90.6 85.2 34.3 80.9 71.8 1.5 0.5

Two or More Races 1,745 100.0 92.5 89.4 83.7 37.7 80.3 74.6 1.9 0.5

Disability Status

Disabled, Aged 25 to 64 9,261 100.0 93.1 86.9 73.3 29.5 80.6 65.1 1.3 0.9

Not Disabled, Aged 25 

to 64 77,154 100.0 94.8 87.1 85.0 41.2 83.3 79.7 1.4 0.6

Not Applicable (Not Aged 

25 to 64) 40,196 100.0 92.9 91.6 81.3 27.8 75.6 56.5 1.5 0.8

Employment Status

Employed 78,039 100.0 95.0 88.1 85.6 41.6 83.5 80.2 1.5 0.5

Unemployed 4,325 100.0 93.3 81.3 78.6 37.2 83.2 74.6 1.8 0.9

Not in Labor Force 44,246 100.0 92.6 89.8 78.8 26.3 75.3 55.2 1.3 0.9

Homeownership

Homeowner 84,632 100.0 95.0 90.7 85.0 34.9 80.5 70.9 1.5 0.5

Non-Homeowner 41,979 100.0 92.1 84.0 78.8 38.5 80.9 72.0 1.2 0.9

C.7 Types of Transactions Conducted Using Bank Accounts by Household Characteristics, 2021

Banked Households, Row Percent
30 | APPENDIX TABLES | 2021 FDIC National Survey of Unbanked and Underbanked Households

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Pay 

Bills

Receive 

Income

Save or 

Keep 

Money 

Safe

Send or 

Receive 

Money

Make 

Purchases 

in Person

Make 

Purchases 

Online

Some 

Other 

Use

None 

Selected

Household Type

Married Couple 59,900 100.0 95.7 90.5 86.4 37.9 82.5 75.7 1.6 0.5

Unmarried FemaleHouseholder Family 14,349 100.0 93.1 85.4 77.1 37.7 83.9 74.5 1.4 1.0

Unmarried MaleHouseholder Family 6,512 100.0 91.1 83.7 81.5 36.7 82.3 74.9 1.0 0.9

Female-Householder 

Nonfamily 24,095 100.0 93.0 88.8 80.0 32.1 75.6 60.9 1.1 0.9

Male-Householder 

Nonfamily 21,633 100.0 92.3 86.3 81.1 34.3 78.6 67.2 1.5 0.6

Other NA NA NA NA NA NA NA NA NA NA

Citizenship and Place of 

Birth

U.S.-Born 108,394 100.0 94.2 89.6 83.6 35.3 81.1 72.0 1.5 0.6

Foreign-Born Citizen 10,925 100.0 94.9 86.7 79.9 40.0 77.1 66.2 1.2 0.7

Foreign-Born Noncitizen 7,291 100.0 91.1 75.1 77.6 42.8 79.0 67.6 1.0 1.3

Metropolitan and 

Nonmetropolitan 

Status

Metropolitan Area 109,080 100.0 94.1 88.4 83.0 37.8 79.8 72.2 1.5 0.7

Not in Metropolitan Area 16,558 100.0 94.1 89.7 82.9 25.0 86.3 65.4 1.2 0.4

Not Identified 973 100.0 87.3 83.0 74.6 33.9 83.0 66.6 0.7 1.3

Geographic Region

Northeast 21,651 100.0 94.5 87.6 82.6 32.7 74.1 68.1 1.5 0.6

Midwest 26,971 100.0 95.0 91.0 85.0 34.5 82.5 70.7 1.3 0.5

South 48,856 100.0 93.3 87.7 81.4 36.7 82.1 71.7 1.4 0.9

West 29,133 100.0 94.2 88.2 84.0 39.1 81.5 73.3 1.5 0.5

The following types of transactions were included in the survey: pay monthly bills like rent, mortgage, utilities, or child care (i.e., pay 

bills); receive money from work, retirement, or a government agency (i.e., receive income); build savings or keep money in a safe place 

(i.e., save or keep money safe); send money to or receive money from family or friends (i.e., send or receive money); make purchases in 

person; make purchases online; and some other use. Row percentages sum to more than 100 because households could select more 

than one type of transaction. NA indicates that the sample size is too small to produce a precise estimate. The dash symbol indicates an 

estimate of zero; the population proportion may be slightly greater than zero.

C.7 Types of Transactions Conducted Using Bank Accounts by Household Characteristics, 2021 

(continued)

Banked Households, Row Percent
2021 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES | 31

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households Prepaid Card Nonbank Online Payment Service

All 132,517 100.0 6.9 46.4

Bank Account Ownership

Unbanked 5,907 100.0 32.8 18.1

Banked 126,610 100.0 5.7 47.7

Family Income

Less Than $15,000 12,547 100.0 13.4 26.5

$15,000 to $30,000 17,889 100.0 8.8 28.5

$30,000 to $50,000 24,617 100.0 7.6 35.8

$50,000 to $75,000 24,563 100.0 6.2 46.4

At Least $75,000 52,900 100.0 4.7 62.1

Education

No High School Diploma 10,492 100.0 11.8 18.3

High School Diploma 32,235 100.0 8.5 32.5

Some College 36,886 100.0 7.2 46.3

College Degree 52,904 100.0 4.7 60.6

Age Group

15 to 24 Years 5,881 100.0 9.1 65.5

25 to 34 Years 21,513 100.0 7.4 66.1

35 to 44 Years 22,665 100.0 8.0 60.1

45 to 54 Years 22,249 100.0 8.0 53.2

55 to 64 Years 24,582 100.0 7.1 39.9

65 Years or More 35,627 100.0 4.6 22.9

Race/Ethnicity

Black 16,933 100.0 12.6 43.4

Hispanic 19,368 100.0 7.3 39.7

Asian 7,043 100.0 4.6 53.6

American Indian or Alaska Native 958 100.0 11.0 42.1

Native Hawaiian or Other Pacific Islander NA NA NA NA

White 86,037 100.0 5.8 47.7

Two or More Races 1,838 100.0 9.5 56.6

Disability Status

Disabled, Aged 25 to 64 10,874 100.0 13.6 35.3

Not Disabled, Aged 25 to 64 80,136 100.0 6.8 57.0

Not Applicable (Not Aged 25 to 64) 41,507 100.0 5.3 29.0

Employment Status

Employed 80,133 100.0 6.3 57.7

Unemployed 4,903 100.0 15.1 48.4

Not in Labor Force 47,481 100.0 7.0 27.1

D.1 Use of Prepaid Cards and Nonbank Online Payment Services by Bank Account Ownership and 

Household Characteristics, 2021

All Households, Row Percent
32 | APPENDIX TABLES | 2021 FDIC National Survey of Unbanked and Underbanked Households

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households Prepaid Card Nonbank Online Payment Service

Homeownership

Homeowner 86,172 100.0 5.2 46.4

Non-Homeowner 46,345 100.0 10.1 46.5

Household Type

Married Couple 60,985 100.0 5.5 51.6

Unmarried Female-Householder Family 15,800 100.0 12.8 48.0

Unmarried Male-Householder Family 7,032 100.0 10.1 45.4

Female-Householder Nonfamily 25,338 100.0 5.9 37.0

Male-Householder Nonfamily 23,191 100.0 6.7 42.4

Other NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 112,868 100.0 7.0 47.6

Foreign-Born Citizen 11,453 100.0 4.9 41.1

Foreign-Born Noncitizen 8,197 100.0 8.6 37.8

Metropolitan and Nonmetropolitan Status

Metropolitan Area 113,835 100.0 6.7 48.3

Not in Metropolitan Area 17,645 100.0 8.2 34.2

Not Identified 1,037 100.0 6.8 42.8

Geographic Region

Northeast 22,569 100.0 6.0 46.0

Midwest 28,167 100.0 7.4 46.0

South 51,356 100.0 7.0 45.0

West 30,425 100.0 6.9 49.5

NA indicates that the sample size is too small to produce a precise estimate.

D.1 Use of Prepaid Cards and Nonbank Online Payment Services by Bank Account Ownership and 

Household Characteristics, 2021 (continued)

All Households, Row Percent
2021 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES | 33

Geography

Number of 

Households 

(1000s)

Percent of 

Households Prepaid Card Nonbank Online Payment Service

All 132,517 100.0 6.9 46.4

State

AL 2,045 100.0 4.9 42.0

AK 285 100.0 4.6 44.7

AZ 2,945 100.0 6.4 49.1

AR 1,278 100.0 7.9 47.7

CA 14,619 100.0 7.4 46.8

CO 2,551 100.0 5.0 56.3

CT 1,497 100.0 5.0 49.7

DE 414 100.0 5.7 45.9

DC 358 100.0 4.3 72.6

FL 9,057 100.0 6.7 41.2

GA 4,318 100.0 7.5 45.6

HI 486 100.0 5.3 48.3

ID 754 100.0 6.3 47.1

IL 4,887 100.0 6.1 48.6

IN 2,756 100.0 8.8 44.1

IA 1,298 100.0 8.4 41.2

KS 1,150 100.0 8.1 49.9

KY 1,776 100.0 8.8 36.5

LA 1,876 100.0 10.3 42.0

ME 575 100.0 7.3 45.8

MD 2,355 100.0 6.4 54.0

MA 2,811 100.0 4.5 53.5

MI 4,157 100.0 6.9 44.5

MN 2,399 100.0 5.1 48.7

MS 1,195 100.0 14.7 39.4

MO 2,603 100.0 10.5 47.3

MT 457 100.0 5.8 48.6

NE 779 100.0 7.6 45.8

NV 1,254 100.0 10.8 38.2

NH 556 100.0 5.0 52.4

NJ 3,422 100.0 5.8 42.1

NM 885 100.0 6.0 34.5

NY 7,669 100.0 5.8 44.5

NC 4,472 100.0 8.6 44.0

ND 351 100.0 5.8 37.1

OH 4,870 100.0 7.5 45.0

OK 1,635 100.0 10.7 41.2

D.2 Use of Prepaid Cards and Nonbank Online Payment Services by State, 2021

All Households, Row Percent
34 | APPENDIX TABLES | 2021 FDIC National Survey of Unbanked and Underbanked Households

D.2 Use of Prepaid Cards and Nonbank Online Payment Services by State, 2021 (continued)

All Households, Row Percent

Geography

Number of 

Households 

(1000s)

Percent of 

Households Prepaid Card Nonbank Online Payment Service

OR 1,747 100.0 8.2 59.0

PA 5,292 100.0 7.4 44.9

RI 473 100.0 4.7 44.3

SC 2,228 100.0 5.4 41.7

SD 389 100.0 8.0 46.2

TN 2,893 100.0 7.3 42.2

TX 11,225 100.0 6.4 48.8

UT 1,155 100.0 6.4 65.7

VT 273 100.0 6.1 52.2

VA 3,460 100.0 2.6 51.7

WA 3,036 100.0 5.5 55.8

WV 770 100.0 7.1 35.3

WI 2,528 100.0 7.7 45.8

WY 251 100.0 4.7 43.6
2021 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES | 35

Geography

Number of 

Households 

(1000s)

Percent of 

Households Prepaid Card Nonbank Online Payment Service

All 132,517 100.0 6.9 46.4

MSA

Albuquerque, NM 418 100.0 3.8 34.5

Atlanta-Sandy Springs-Roswell, GA~ 2,482 100.0 4.9 49.9

Austin-Round Rock, TX 813 100.0 3.9 65.1

Baltimore-Columbia-Towson, MD 1,080 100.0 7.2 59.0

Baton Rouge, LA 356 100.0 11.1 49.0

Birmingham-Hoover, AL 558 100.0 6.7 41.6

Boise City, ID 299 100.0 8.1 46.5

Boston-Cambridge-Newton, MA-NH~ 2,039 100.0 3.9 58.0

Burlington-South Burlington, VT~ 79 100.0 4.9 57.5

Charlotte-Concord-Gastonia, NC-SC~ 1,170 100.0 4.8 58.0

Chicago-Naperville-Elgin, IL-IN-WI 3,573 100.0 6.4 50.8

Cincinnati, OH-KY-IN~ 763 100.0 8.0 51.1

Cleveland-Elyria, OH 990 100.0 4.7 44.8

Columbus, OH~ 886 100.0 8.5 54.9

Dallas-Fort Worth-Arlington, TX~ 2,955 100.0 7.5 47.9

Denver-Aurora-Lakewood, CO 1,307 100.0 4.3 66.3

Detroit-Warren-Dearborn, MI 1,868 100.0 8.2 43.2

Fargo, ND-MN 95 100.0 2.8 51.6

Fayetteville-Springdale-Rogers, AR-MO 252 100.0 6.7 61.9

Houston-The Woodlands-Sugar Land, TX~ 2,876 100.0 5.9 51.5

Indianapolis-Carmel-Anderson, IN~ 854 100.0 7.4 47.8

Jackson, MS~ 261 100.0 11.8 45.3

Kansas City, MO-KS~ 913 100.0 10.4 48.9

Knoxville, TN~ 404 100.0 5.9 49.9

Las Vegas-Henderson-Paradise, NV 1,009 100.0 11.5 37.3

Little Rock-North Little Rock-Conway, AR 341 100.0 8.4 51.3

Los Angeles-Long Beach-Anaheim, CA 4,580 100.0 6.6 45.7

Louisville/Jefferson County, KY-IN~ 600 100.0 7.1 47.3

Manchester-Nashua, NH~ 174 100.0 5.7 51.5

Memphis, TN-MS-AR~ 503 100.0 13.2 34.6

Miami-Fort Lauderdale-West Palm Beach, FL 2,683 100.0 4.2 35.2

Milwaukee-Waukesha-West Allis, WI 695 100.0 7.0 56.6

Minneapolis-St. Paul-Bloomington, MN-WI~ 1,618 100.0 4.9 56.2

Nashville-Davidson-Murfreesboro-Franklin, TN~ 844 100.0 6.6 49.1

New Orleans-Metairie, LA~ 488 100.0 7.5 47.0

New York-Newark-Jersey City, NY-NJ-PA~ 7,790 100.0 5.4 44.1

Oklahoma City, OK 716 100.0 11.6 41.1

D.3 Use of Prepaid Cards and Nonbank Online Payment Services by MSA, 2021

All Households, Row Percent
36 | APPENDIX TABLES | 2021 FDIC National Survey of Unbanked and Underbanked Households

D.3 Use of Prepaid Cards and Nonbank Online Payment Services by MSA, 2021 (continued)

All Households, Row Percent

Geography

Number of 

Households 

(1000s)

Percent of 

Households Prepaid Card Nonbank Online Payment Service

Omaha-Council Bluffs, NE-IA 379 100.0 6.9 52.8

Orlando-Kissimmee-Sanford, FL 1,157 100.0 12.0 47.9

Philadelphia-Camden-Wilmington, PA-NJ-DEMD 2,448 100.0 7.5 59.4

Phoenix-Mesa-Scottsdale, AZ 1,948 100.0 5.6 48.7

Pittsburgh, PA 1,089 100.0 10.5 40.9

Portland-South Portland, ME~ 205 100.0 4.7 59.6

Portland-Vancouver-Hillsboro, OR-WA 1,044 100.0 9.5 61.6

Providence-Warwick, RI-MA~ 693 100.0 6.5 43.3

Riverside-San Bernardino-Ontario, CA 1,624 100.0 9.7 37.3

Sacramento-Roseville-Arden-Arcade, CA 914 100.0 7.7 53.9

St. Louis, MO-IL~ 1,268 100.0 5.3 55.5

Salisbury, MD-DE~ 246 100.0 10.5 46.1

Salt Lake City, UT~ 498 100.0 6.3 63.9

San Antonio-New Braunfels, TX 1,204 100.0 4.1 50.0

San Diego-Carlsbad, CA 1,223 100.0 12.0 54.3

San Francisco-Oakland-Hayward, CA 1,893 100.0 5.9 55.2

San Jose-Sunnyvale-Santa Clara, CA 835 100.0 2.7 54.1

Seattle-Tacoma-Bellevue, WA 1,663 100.0 6.0 66.1

Sioux Falls, SD 127 100.0 6.3 55.9

Tampa-St. Petersburg-Clearwater, FL 1,251 100.0 4.9 43.9

Urban Honolulu, HI 367 100.0 4.6 49.2

Virginia Beach-Norfolk-Newport News, VA-NC~ 671 100.0 0.9 46.8

Washington-Arlington-Alexandria, DC-VA-MDWV~ 2,629 100.0 3.9 58.8

Wichita, KS~ 330 100.0 12.9 55.6

The tilde symbol indicates areas with geographic boundary changes between the 2013 and 2015 surveys; see Appendix 1 (FDIC 

Technical Notes) for details.
2021 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES | 37

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Pay 

Bills

Receive 

Income

Save or 

Keep 

Money 

Safe

Send or 

Receive 

Money

Make 

Purchases 

in Person

Make 

Purchases 

Online

Some 

Other 

Use

None 

Selected

All 9,129 100.0 41.1 41.1 29.5 25.4 65.4 50.5 2.5 12.3

Bank Account Ownership

Unbanked 1,940 100.0 77.8 64.1 41.6 26.5 76.4 53.4 2.0 4.1

Banked 7,189 100.0 31.2 34.9 26.2 25.1 62.4 49.7 2.6 14.4

Family Income

Less Than $15,000 1,680 100.0 64.1 51.4 33.7 24.0 69.0 44.7 1.3 7.4

$15,000 to $30,000 1,575 100.0 50.7 48.5 32.4 27.0 64.7 49.4 2.7 11.2

$30,000 to $50,000 1,879 100.0 39.9 40.5 32.6 24.6 64.8 52.2 1.5 13.1

$50,000 to $75,000 1,512 100.0 36.4 36.4 23.9 27.9 66.8 56.2 3.0 13.0

At Least $75,000 2,483 100.0 23.3 32.7 25.7 24.6 62.9 50.4 3.5 15.1

Education

No High School Diploma 1,237 100.0 57.6 56.0 35.4 24.3 69.9 42.1 1.6 9.4

High School Diploma 2,729 100.0 49.2 44.1 32.3 26.6 64.2 50.1 1.8 10.6

Some College 2,653 100.0 40.7 42.6 29.9 27.1 67.6 57.4 1.6 11.2

College Degree 2,510 100.0 24.6 28.9 23.0 22.9 62.0 47.7 4.5 16.5

Age Group

15 to 24 Years NA NA NA NA NA NA NA NA NA NA

25 to 34 Years 1,601 100.0 47.8 44.5 35.2 29.5 68.6 61.9 1.8 12.2

35 to 44 Years 1,818 100.0 43.2 41.3 32.4 26.6 68.1 56.2 2.3 10.8

45 to 54 Years 1,787 100.0 40.1 40.9 31.2 26.8 64.7 51.9 2.6 12.7

55 to 64 Years 1,733 100.0 40.7 43.4 25.1 23.3 65.4 45.2 1.2 10.9

65 Years or More 1,652 100.0 32.9 35.9 23.6 18.4 59.5 33.0 4.5 15.1

Race/Ethnicity

Black 2,130 100.0 58.7 46.5 38.0 31.2 67.3 54.2 2.0 11.4

Hispanic 1,413 100.0 41.4 45.7 30.9 22.9 66.1 51.1 1.8 15.2

Asian NA NA NA NA NA NA NA NA NA NA

American Indian or Alaska 

Native NA NA NA NA NA NA NA NA NA NA

Native Hawaiian or Other 

Pacific Islander NA NA NA NA NA NA NA NA NA NA

White 4,953 100.0 34.4 38.8 25.9 24.2 64.7 49.3 2.6 11.3

Two or More Races NA NA NA NA NA NA NA NA NA NA

Disability Status

Disabled, Aged 25 to 64 1,475 100.0 54.8 53.4 31.6 21.5 67.1 46.0 1.8 7.3

Not Disabled, Aged 25 

to 64 5,465 100.0 39.6 39.5 30.8 27.9 66.6 55.7 2.0 12.8

Not Applicable (Not Aged 

25 to 64) 2,190 100.0 35.6 36.8 24.8 22.0 61.2 40.5 4.0 14.2

D.4 Types of Transactions Conducted Using Prepaid Cards by Bank Account Ownership and 

Household Characteristics, 2021

Households Currently Using Prepaid Cards, Row Percent
38 | APPENDIX TABLES | 2021 FDIC National Survey of Unbanked and Underbanked Households

D.4 Types of Transactions Conducted Using Prepaid Cards by Bank Account Ownership and 

Household Characteristics, 2021 (continued)

Households Currently Using Prepaid Cards, Row Percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Pay 

Bills

Receive 

Income

Save or 

Keep 

Money 

Safe

Send or 

Receive 

Money

Make 

Purchases 

in Person

Make 

Purchases 

Online

Some 

Other 

Use

None 

Selected

Employment Status

Employed 5,042 100.0 36.8 37.8 29.6 27.2 63.3 53.3 2.8 13.9

Unemployed 743 100.0 57.9 53.3 35.4 21.6 69.6 61.4 – 8.5

Not in Labor Force 3,345 100.0 44.0 43.4 27.9 23.7 67.5 43.9 2.6 10.7

Homeownership

Homeowner 4,452 100.0 30.4 34.5 24.9 25.9 63.8 46.9 2.2 13.8

Non-Homeowner 4,678 100.0 51.3 47.4 33.8 25.0 66.8 53.9 2.7 10.8

Household Type

Married Couple 3,360 100.0 29.1 33.5 24.8 27.3 61.1 48.9 3.0 14.7

Unmarried FemaleHouseholder Family 2,018 100.0 51.3 49.6 33.8 28.4 71.6 60.3 1.2 11.7

Unmarried MaleHouseholder Family 708 100.0 47.9 41.7 40.7 27.6 65.0 60.1 2.1 6.0

Female-Householder 

Nonfamily 1,484 100.0 44.2 45.3 31.5 23.5 69.4 48.6 3.2 11.7

Male-Householder 

Nonfamily 1,557 100.0 47.8 42.3 26.9 18.4 62.9 38.8 2.5 10.8

Other NA NA NA NA NA NA NA NA NA NA

Citizenship and Place of 

Birth

U.S.-Born 7,861 100.0 42.0 42.5 30.6 26.5 66.3 52.4 2.3 11.0

Foreign-Born Citizen NA NA NA NA NA NA NA NA NA NA

Foreign-Born Noncitizen 704 100.0 34.1 30.2 27.2 18.7 57.0 33.9 3.3 21.4

Metropolitan and 

Nonmetropolitan 

Status

Metropolitan Area 7,617 100.0 39.6 41.4 28.1 24.5 64.8 49.8 2.6 13.3

Not in Metropolitan Area 1,442 100.0 48.6 39.7 36.5 30.2 68.6 54.8 2.1 6.8

Not Identified NA NA NA NA NA NA NA NA NA NA

Geographic Region

Northeast 1,347 100.0 37.6 38.3 23.1 22.0 56.1 47.7 3.6 17.8

Midwest 2,095 100.0 41.9 37.7 30.2 26.2 68.2 52.2 1.6 10.2

South 3,591 100.0 44.7 41.0 32.4 31.9 66.7 53.7 2.1 11.6

West 2,097 100.0 36.5 46.4 27.7 15.8 66.2 45.2 3.2 11.8

The following types of transactions were included in the survey: pay monthly bills like rent, mortgage, utilities, or child care (i.e., pay 

bills); receive money from work, retirement, or a government agency (i.e., receive income); build savings or keep money in a safe place 

(i.e., save or keep money safe); send money to or receive money from family or friends (i.e., send or receive money); make purchases in 

person; make purchases online; and some other use. Row percentages sum to more than 100 because households could select more 

than one type of transaction. NA indicates that the sample size is too small to produce a precise estimate. The dash symbol indicates an 

estimate of zero; the population proportion may be slightly greater than zero.
2021 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES | 39

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Pay 

Bills

Receive 

Income

Save or 

Keep 

Money 

Safe

Send or 

Receive 

Money

Make 

Purchases 

in Person

Make 

Purchases 

Online

Some 

Other 

Use

None 

Selected

All 61,518 100.0 27.8 19.0 22.4 58.2 30.4 63.9 1.8 9.3

Bank Account Ownership

Unbanked 1,071 100.0 64.0 40.8 32.4 62.6 56.9 66.2 1.9 8.7

Banked 60,447 100.0 27.2 18.7 22.2 58.1 30.0 63.8 1.8 9.3

Family Income

Less Than $15,000 3,329 100.0 37.2 24.2 27.2 57.7 36.9 55.7 0.8 12.3

$15,000 to $30,000 5,093 100.0 33.1 22.7 25.0 54.0 31.7 59.2 1.6 12.6

$30,000 to $50,000 8,823 100.0 31.2 21.1 25.3 52.5 33.3 63.6 1.5 10.4

$50,000 to $75,000 11,399 100.0 27.6 19.0 23.2 53.4 32.0 65.8 2.1 9.9

At Least $75,000 32,875 100.0 25.2 17.4 20.4 62.1 28.3 64.8 2.0 8.0

Education

No High School Diploma 1,922 100.0 39.0 26.7 31.0 53.3 37.4 54.8 1.8 14.0

High School Diploma 10,479 100.0 31.7 20.1 23.7 50.2 33.8 63.7 1.0 11.1

Some College 17,062 100.0 29.3 20.5 22.6 54.7 31.5 64.0 1.3 9.6

College Degree 32,054 100.0 25.1 17.5 21.3 63.0 28.4 64.4 2.4 8.3

Age Group

15 to 24 Years 3,853 100.0 34.0 18.3 26.7 72.5 35.7 58.1 1.6 6.5

25 to 34 Years 14,217 100.0 30.8 19.2 24.8 69.3 31.9 60.5 1.4 6.6

35 to 44 Years 13,616 100.0 27.9 18.4 22.2 62.7 31.8 65.6 2.4 9.1

45 to 54 Years 11,839 100.0 26.1 18.9 22.3 58.5 30.3 65.2 1.9 9.3

55 to 64 Years 9,819 100.0 25.4 20.3 20.3 49.9 29.1 63.9 1.8 11.2

65 Years or More 8,174 100.0 25.0 18.9 19.1 34.1 25.1 67.5 1.8 13.6

Race/Ethnicity

Black 7,354 100.0 35.4 24.7 30.4 63.1 37.7 57.4 1.7 11.0

Hispanic 7,686 100.0 34.2 21.0 25.3 58.0 35.9 61.1 1.1 11.2

Asian 3,776 100.0 25.5 16.6 19.0 59.4 30.3 66.2 1.6 10.5

American Indian or Alaska 

Native NA NA NA NA NA NA NA NA NA NA

Native Hawaiian or Other 

Pacific Islander NA NA NA NA NA NA NA NA NA NA

White 41,075 100.0 25.5 17.8 20.5 57.1 28.0 65.1 2.0 8.6

Two or More Races 1,041 100.0 25.3 22.6 27.5 62.0 31.1 68.6 3.1 9.2

Disability Status

Disabled, Aged 25 to 64 3,834 100.0 32.2 22.8 23.8 57.2 36.1 65.6 3.0 10.4

Not Disabled, Aged 25 

to 64 45,657 100.0 27.5 18.8 22.5 61.4 30.5 63.6 1.8 8.7

Not Applicable (Not Aged 

25 to 64) 12,027 100.0 27.9 18.7 21.5 46.4 28.5 64.5 1.7 11.3

D.5 Types of Transactions Conducted Using Nonbank Online Payment Services by Bank Account 

Ownership and Household Characteristics, 2021

Households Currently Using Nonbank Online Payment Services, Row Percent
40 | APPENDIX TABLES | 2021 FDIC National Survey of Unbanked and Underbanked Households

D.5 Types of Transactions Conducted Using Nonbank Online Payment Services by Bank Account 

Ownership and Household Characteristics, 2021 (continued)

Households Currently Using Nonbank Online Payment Services, Row Percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Pay 

Bills

Receive 

Income

Save or 

Keep 

Money 

Safe

Send or 

Receive 

Money

Make 

Purchases 

in Person

Make 

Purchases 

Online

Some 

Other 

Use

None 

Selected

Employment Status

Employed 46,260 100.0 27.6 18.8 22.5 62.2 30.2 63.3 1.9 8.5

Unemployed 2,375 100.0 31.5 19.2 26.6 59.4 35.0 62.0 1.5 10.6

Not in Labor Force 12,883 100.0 28.2 19.8 21.3 43.6 30.4 66.4 1.8 12.2

Homeownership

Homeowner 39,982 100.0 24.6 18.3 20.4 55.0 28.5 66.1 1.9 9.5

Non-Homeowner 21,536 100.0 33.8 20.4 26.0 64.1 34.1 59.6 1.8 8.9

Household Type

Married Couple 31,439 100.0 25.3 18.7 21.2 56.4 28.8 66.2 1.8 9.1

Unmarried FemaleHouseholder Family 7,586 100.0 32.4 20.0 23.9 60.1 34.9 62.6 2.0 9.9

Unmarried MaleHouseholder Family 3,192 100.0 34.4 23.0 24.8 57.9 33.2 63.8 2.3 9.0

Female-Householder 

Nonfamily 9,387 100.0 28.5 17.7 22.6 62.1 29.7 59.5 2.1 9.0

Male-Householder 

Nonfamily 9,829 100.0 29.8 19.3 24.1 58.7 32.1 61.3 1.4 10.1

Other NA NA NA NA NA NA NA NA NA NA

Citizenship and Place of 

Birth

U.S.-Born 53,707 100.0 27.3 18.7 22.2 58.8 29.8 63.9 1.9 9.0

Foreign-Born Citizen 4,712 100.0 31.7 23.8 23.4 52.8 36.2 66.5 2.1 11.3

Foreign-Born Noncitizen 3,099 100.0 32.0 18.0 24.3 55.9 32.1 59.3 0.8 11.3

Metropolitan and 

Nonmetropolitan 

Status

Metropolitan Area 55,036 100.0 27.8 19.0 22.2 59.3 30.3 63.1 1.9 9.5

Not in Metropolitan Area 6,038 100.0 28.4 19.8 24.0 48.1 31.5 70.5 1.4 8.4

Not Identified 444 100.0 28.1 16.4 25.8 60.0 37.0 70.4 0.9 6.0

Geographic Region

Northeast 10,383 100.0 28.1 19.8 24.1 56.6 29.5 62.7 2.3 10.1

Midwest 12,964 100.0 25.9 16.6 20.0 58.2 27.7 63.8 1.5 8.1

South 23,122 100.0 29.4 21.5 23.9 57.6 33.2 65.0 1.9 9.9

West 15,049 100.0 26.9 16.9 21.0 60.2 29.2 63.0 1.8 8.9

The following types of transactions were included in the survey: pay monthly bills like rent, mortgage, utilities, or child care (i.e., pay 

bills); receive money from work, retirement, or a government agency (i.e., receive income); build savings or keep money in a safe place 

(i.e., save or keep money safe); send money to or receive money from family or friends (i.e., send or receive money); make purchases in 

person; make purchases online; and some other use. Row percentages sum to more than 100 because households could select more 

than one type of transaction. NA indicates that the sample size is too small to produce a precise estimate.
2021 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES | 41

Characteristics 2017 2019 2021

90% 

Confidence 

Interval, 

2021

Difference 

(2021–2019)

90% 

Confidence 

Interval, 

Difference

All 14.3 11.9 9.7 (9.4, 10.1) -2.2* (-2.7, -1.7)

Bank Account Ownership

Unbanked 44.1 42.3 32.3 (29.9, 34.9) -10.0* (-13.3, -6.6)

Banked 12.3 10.2 8.7 (8.3, 9.0) -1.5* (-2.0, -1.1)

Family Income

Less Than $15,000 24.6 23.0 19.4 (18.0, 20.8) -3.6* (-5.6, -1.7)

$15,000 to $30,000 21.0 18.2 15.4 (14.4, 16.5) -2.8* (-4.3, -1.4)

$30,000 to $50,000 17.0 15.2 11.9 (11.1, 12.8) -3.3* (-4.6, -2.0)

$50,000 to $75,000 11.5 9.6 8.5 (7.8, 9.3) -1.1* (-2.1, 0.0)

At Least $75,000 7.5 6.0 5.1 (4.6, 5.6) -0.9* (-1.5, -0.3)

Education

No High School Diploma 26.1 23.3 21.5 (19.9, 23.1) -1.9 (-4.3, 0.6)

High School Diploma 16.8 14.6 12.4 (11.6, 13.2) -2.3* (-3.3, -1.2)

Some College 15.2 12.9 10.4 (9.8, 11.1) -2.5* (-3.5, -1.5)

College Degree 8.7 6.8 5.3 (4.9, 5.8) -1.5* (-2.2, -0.8)

Age Group

15 to 24 Years 23.8 20.2 15.5 (13.3, 18.0) -4.7* (-7.7, -1.7)

25 to 34 Years 18.7 16.4 11.8 (10.9, 12.8) -4.6* (-6.1, -3.2)

35 to 44 Years 17.0 13.1 11.1 (10.3, 12.1) -2.0* (-3.2, -0.8)

45 to 54 Years 14.3 12.5 9.5 (8.7, 10.3) -3.0* (-4.3, -1.8)

55 to 64 Years 14.0 11.0 10.0 (9.2, 10.8) -1.1* (-2.1, 0.0)

65 Years or More 8.1 7.1 6.6 (6.1, 7.2) -0.5 (-1.2, 0.2)

Race/Ethnicity

Black 31.2 27.2 21.6 (20.3, 23.0) -5.6* (-7.6, -3.6)

Hispanic 24.6 20.8 17.2 (16.0, 18.4) -3.6* (-5.5, -1.8)

Asian 9.3 6.9 6.7 (5.5, 8.2) -0.2 (-2.0, 1.6)

American Indian or Alaska Native 26.6 21.0 18.8 (14.1, 24.7) -2.1 (-8.8, 4.6)

Native Hawaiian or Other Pacific 

Islander 16.1 NA NA NA NA NA

White 9.0 7.3 5.8 (5.5, 6.1) -1.5* (-2.0, -1.1)

Two or More Races 21.9 14.2 12.7 (9.9, 16.0) -1.5 (-5.9, 2.8)

Disability Status

Disabled, Aged 25 to 64 23.3 21.1 18.7 (17.1, 20.4) -2.4* (-4.7, -0.2)

Not Disabled, Aged 25 to 64 14.8 12.1 9.5 (9.0, 9.9) -2.7* (-3.3, -2.0)

Not Applicable (Not Aged 25 to 64) 10.8 9.1 7.9 (7.3, 8.5) -1.3* (-2.0, -0.5)

E.1 Use of Nonbank Money Orders by Bank Account Ownership and Household Characteristics, 

2017–2021

All Households, Row Percent
42 | APPENDIX TABLES | 2021 FDIC National Survey of Unbanked and Underbanked Households

E.1 Use of Nonbank Money Orders by Bank Account Ownership and Household Characteristics, 

2017–2021 (continued)

All Households, Row Percent

Characteristics 2017 2019 2021

90% 

Confidence 

Interval, 

2021

Difference 

(2021–2019)

90% 

Confidence 

Interval, 

Difference

Employment Status

Employed 14.6 11.9 9.3 (8.9, 9.8) -2.6* (-3.3, -1.9)

Unemployed 25.7 18.5 15.7 (13.8, 17.8) -2.8 (-6.0, 0.4)

Not in Labor Force 13.0 11.5 9.8 (9.2, 10.3) -1.8* (-2.5, -1.0)

Homeownership

Homeowner 8.4 6.8 5.7 (5.3, 6.0) -1.2* (-1.6, -0.7)

Non-Homeowner 24.7 21.2 17.2 (16.5, 18.1) -4.0* (-5.1, -2.9)

Household Type

Married Couple 10.5 8.4 7.2 (6.8, 7.7) -1.2* (-1.8, -0.6)

Unmarried Female-Householder 

Family 26.4 21.3 15.8 (14.6, 17.0) -5.5* (-7.2, -3.7)

Unmarried Male-Householder Family 20.4 16.8 12.9 (11.3, 14.8) -3.9* (-6.3, -1.4)

Female-Householder Nonfamily 12.9 11.9 9.3 (8.6, 10.1) -2.6* (-3.7, -1.5)

Male-Householder Nonfamily 16.5 13.7 11.7 (10.9, 12.6) -2.0* (-3.2, -0.7)

Other NA NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 13.5 11.3 9.0 (8.6, 9.3) -2.3* (-2.8, -1.8)

Foreign-Born Citizen 14.9 11.7 10.2 (9.0, 11.6) -1.5 (-3.3, 0.3)

Foreign-Born Noncitizen 24.4 21.3 19.4 (17.5, 21.4) -1.9 (-4.6, 0.8)

Metropolitan and Nonmetropolitan 

Status

Metropolitan Area 14.5 11.9 9.6 (9.2, 10.0) -2.3* (-2.8, -1.7)

Not in Metropolitan Area 13.8 12.2 10.3 (9.5, 11.2) -1.9* (-3.2, -0.6)

Not Identified 11.1 13.3 13.6 (10.1, 18.1) 0.3 (-4.7, 5.3)

Geographic Region

Northeast 14.1 11.5 8.9 (8.0, 9.8) -2.6* (-3.8, -1.4)

Midwest 11.5 9.0 7.7 (7.1, 8.3) -1.4* (-2.3, -0.4)

South 16.8 14.9 11.6 (11.0, 12.2) -3.4* (-4.3, -2.5)

West 13.0 10.0 9.2 (8.4, 9.9) -0.8 (-1.9, 0.2)

The 2017 estimates published in this table may differ from the 2017 estimates published in previous reports because the 2021 report 

addresses item nonresponse in the 2017 data through imputation, while previous reports addressed item nonresponse in the 2017 data 

in other ways; see Appendix 1 (FDIC Technical Notes) for details. Asterisk indicates differences that are statistically significant at the 10 

percent level. NA indicates that the sample size is too small to produce a precise estimate.
2021 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES | 43

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households Pay Bills Send Money Make Purchases

Some Other 

Use

All 12,881 100.0 72.1 13.7 8.3 11.8

Bank Account Ownership

Unbanked 1,910 100.0 91.7 10.0 2.2 4.5

Banked 10,971 100.0 68.6 14.4 9.4 13.0

Family Income

Less Than $15,000 2,430 100.0 88.3 5.0 4.1 6.9

$15,000 to $30,000 2,753 100.0 82.7 10.2 6.3 7.4

$30,000 to $50,000 2,928 100.0 77.5 15.6 4.9 7.9

$50,000 to $75,000 2,092 100.0 64.7 18.7 7.6 15.1

At Least $75,000 2,677 100.0 46.3 19.4 18.6 22.4

Education

No High School Diploma 2,252 100.0 86.0 12.5 3.6 5.6

High School Diploma 3,983 100.0 79.8 10.4 5.8 8.9

Some College 3,843 100.0 72.1 15.0 8.2 10.3

College Degree 2,803 100.0 49.9 17.6 15.8 22.8

Age Group

15 to 24 Years 912 100.0 79.9 6.3 7.2 8.8

25 to 34 Years 2,540 100.0 71.7 12.8 9.5 13.4

35 to 44 Years 2,525 100.0 73.4 13.0 8.8 11.6

45 to 54 Years 2,104 100.0 71.8 14.6 6.8 12.8

55 to 64 Years 2,450 100.0 70.7 14.2 7.3 12.8

65 Years or More 2,350 100.0 69.6 17.2 9.4 9.5

Race/Ethnicity

Black 3,661 100.0 80.6 12.1 4.8 9.1

Hispanic 3,325 100.0 76.0 15.7 6.4 10.0

Asian NA NA NA NA NA NA

American Indian or Alaska Native NA NA NA NA NA NA

Native Hawaiian or Other Pacific Islander NA NA NA NA NA NA

White 4,967 100.0 65.5 12.1 11.5 15.1

Two or More Races NA NA NA NA NA NA

Disability Status

Disabled, Aged 25 to 64 2,031 100.0 81.9 10.2 4.7 9.2

Not Disabled, Aged 25 to 64 7,588 100.0 69.2 14.5 9.1 13.5

Not Applicable (Not Aged 25 to 64) 3,262 100.0 72.5 14.2 8.8 9.3

Employment Status

Employed 7,475 100.0 67.7 16.1 10.0 13.0

Unemployed 771 100.0 84.8 7.6 2.5 9.3

Not in Labor Force 4,636 100.0 77.0 11.0 6.6 10.2

E.2 Types of Transactions Conducted Using Nonbank Money Orders by Bank Account Ownership and 

Household Characteristics, 2021

Households That Used Nonbank Money Orders in the Past 12 Months, Row Percent
44 | APPENDIX TABLES | 2021 FDIC National Survey of Unbanked and Underbanked Households

E.2 Types of Transactions Conducted Using Nonbank Money Orders by Bank Account Ownership and 

Household Characteristics, 2021 (continued)

Households That Used Nonbank Money Orders in the Past 12 Months, Row Percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households Pay Bills Send Money Make Purchases

Some Other 

Use

Homeownership

Homeowner 4,890 100.0 57.8 19.2 13.4 16.1

Non-Homeowner 7,991 100.0 80.8 10.4 5.2 9.1

Household Type

Married Couple 4,399 100.0 60.2 17.6 11.2 16.5

Unmarried Female-Householder Family 2,494 100.0 78.8 9.4 4.8 12.1

Unmarried Male-Householder Family 910 100.0 80.3 17.1 9.6 5.6

Female-Householder Nonfamily 2,360 100.0 78.6 11.5 4.7 8.8

Male-Householder Nonfamily 2,716 100.0 76.7 12.2 9.5 8.5

Other NA NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 10,120 100.0 72.8 12.8 8.6 11.0

Foreign-Born Citizen 1,172 100.0 59.2 19.0 12.5 18.1

Foreign-Born Noncitizen 1,589 100.0 76.6 15.5 3.7 12.0

Metropolitan and Nonmetropolitan 

Status

Metropolitan Area 10,920 100.0 71.9 13.2 8.3 12.5

Not in Metropolitan Area 1,820 100.0 72.1 17.5 8.8 8.2

Not Identified NA NA NA NA NA NA

Geographic Region

Northeast 2,001 100.0 69.8 13.6 10.8 13.4

Midwest 2,159 100.0 75.8 10.9 8.1 10.0

South 5,936 100.0 70.0 15.2 8.0 13.0

West 2,784 100.0 75.1 12.8 7.3 9.5

The following types of transactions were included in the survey: pay monthly bills like rent, mortgage, utilities, or child care (i.e., pay 

bills); send money to family or friends (i.e., send money); make purchases; and some other use. Row percentages sum to more than 100 

because households could select more than one type of transaction. NA indicates that the sample size is too small to produce a precise 

estimate.
2021 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES | 45

Characteristics 2017 2019 2021

90% 

Confidence 

Interval, 2021

Difference 

(2021–2019)

90% 

Confidence 

Interval, 

Difference

All 6.4 5.5 3.2 (3.0, 3.4) -2.4* (-2.7, -2.0)

Bank Account Ownership

Unbanked 30.2 31.9 21.8 (19.5, 24.3) -10.0* (-13.0, -7.0)

Banked 4.7 4.0 2.3 (2.1, 2.5) -1.7* (-2.0, -1.4)

Family Income

Less Than $15,000 10.8 11.0 6.9 (6.0, 8.0) -4.1* (-5.6, -2.5)

$15,000 to $30,000 10.5 9.0 6.0 (5.3, 6.8) -3.0* (-4.0, -1.9)

$30,000 to $50,000 7.0 7.4 3.8 (3.3, 4.3) -3.7* (-4.4, -2.9)

$50,000 to $75,000 5.0 4.3 2.4 (2.0, 2.8) -1.9* (-2.6, -1.2)

At Least $75,000 3.3 2.4 1.4 (1.2, 1.6) -1.0* (-1.3, -0.6)

Education

No High School Diploma 11.4 14.6 9.2 (8.0, 10.5) -5.5* (-7.3, -3.6)

High School Diploma 8.3 7.1 4.4 (3.9, 5.0) -2.7* (-3.4, -2.0)

Some College 6.6 5.8 3.1 (2.7, 3.5) -2.7* (-3.4, -2.1)

College Degree 3.4 2.3 1.3 (1.1, 1.5) -0.9* (-1.3, -0.6)

Age Group

15 to 24 Years 11.4 9.8 5.8 (4.6, 7.2) -4.0* (-5.9, -2.1)

25 to 34 Years 8.1 7.0 3.7 (3.1, 4.4) -3.3* (-4.2, -2.3)

35 to 44 Years 7.6 7.0 4.2 (3.7, 4.8) -2.8* (-3.7, -1.9)

45 to 54 Years 6.1 5.3 3.6 (3.1, 4.2) -1.8* (-2.5, -1.0)

55 to 64 Years 5.5 4.7 2.6 (2.2, 3.1) -2.0* (-2.7, -1.3)

65 Years or More 4.1 3.7 1.9 (1.6, 2.2) -1.8* (-2.3, -1.3)

Race/Ethnicity

Black 11.6 9.6 6.3 (5.5, 7.2) -3.3* (-4.6, -2.0)

Hispanic 10.1 10.6 5.9 (5.2, 6.7) -4.6* (-5.8, -3.5)

Asian 3.2 2.4 1.9 (1.3, 2.7) -0.5 (-1.6, 0.5)

American Indian or Alaska Native 16.9 11.4 6.1 (4.1, 9.1) -5.3* (-9.6, -1.0)

Native Hawaiian or Other Pacific 

Islander 3.7 NA NA NA NA NA

White 4.6 3.9 2.0 (1.8, 2.2) -1.9* (-2.2, -1.6)

Two or More Races 9.7 3.7 5.6 (3.8, 8.3) 1.9 (-0.7, 4.5)

Disability Status

Disabled, Aged 25 to 64 9.5 9.3 5.6 (4.7, 6.5) -3.7* (-5.0, -2.4)

Not Disabled, Aged 25 to 64 6.4 5.5 3.2 (3.0, 3.5) -2.3* (-2.7, -1.9)

Not Applicable (Not Aged 25 to 64) 5.4 4.6 2.5 (2.2, 2.8) -2.2* (-2.7, -1.7)

E.3 Use of Nonbank Check Cashing by Bank Account Ownership and Household Characteristics, 

2017–2021

All Households, Row Percent
46 | APPENDIX TABLES | 2021 FDIC National Survey of Unbanked and Underbanked Households

E.3 Use of Nonbank Check Cashing by Bank Account Ownership and Household Characteristics, 

2017–2021 (continued)

All Households, Row Percent

Characteristics 2017 2019 2021

90% 

Confidence 

Interval, 2021

Difference 

(2021–2019)

90% 

Confidence 

Interval, 

Difference

Employment Status

Employed 6.3 5.2 3.1 (2.9, 3.4) -2.1* (-2.5, -1.7)

Unemployed 14.4 9.6 7.7 (6.1, 9.6) -1.9 (-4.4, 0.6)

Not in Labor Force 5.8 5.8 2.9 (2.5, 3.2) -3.0* (-3.5, -2.5)

Homeownership

Homeowner 4.2 3.4 1.7 (1.5, 1.9) -1.7* (-1.9, -1.4)

Non-Homeowner 10.1 9.5 5.9 (5.5, 6.4) -3.6* (-4.3, -2.9)

Household Type

Married Couple 4.8 4.0 2.1 (1.9, 2.4) -1.9* (-2.2, -1.6)

Unmarried Female-Householder 

Family 12.4 10.0 5.3 (4.6, 6.1) -4.7* (-5.9, -3.6)

Unmarried Male-Householder Family 10.7 9.2 5.5 (4.5, 6.8) -3.6* (-5.5, -1.8)

Female-Householder Nonfamily 5.7 5.2 2.7 (2.4, 3.2) -2.4* (-3.1, -1.8)

Male-Householder Nonfamily 5.9 6.0 4.2 (3.7, 4.9) -1.7* (-2.6, -0.9)

Other NA NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 6.1 5.1 2.8 (2.6, 3.1) -2.3* (-2.6, -2.0)

Foreign-Born Citizen 5.3 4.8 2.6 (2.1, 3.3) -2.2* (-3.1, -1.2)

Foreign-Born Noncitizen 10.3 12.2 8.7 (7.5, 10.0) -3.6* (-5.4, -1.7)

Metropolitan and Nonmetropolitan 

Status

Metropolitan Area 6.2 5.4 3.1 (2.8, 3.3) -2.3* (-2.7, -2.0)

Not in Metropolitan Area 7.6 6.8 3.9 (3.4, 4.6) -2.8* (-3.8, -1.9)

Not Identified 7.0 3.7 4.1 (2.6, 6.3) 0.4 (-2.1, 2.8)

Geographic Region

Northeast 5.7 4.1 2.3 (1.9, 2.8) -1.8* (-2.5, -1.0)

Midwest 5.7 4.8 3.0 (2.6, 3.4) -1.8* (-2.4, -1.3)

South 7.2 6.4 3.6 (3.2, 4.0) -2.8* (-3.4, -2.2)

West 6.0 5.8 3.3 (2.9, 3.8) -2.6* (-3.2, -1.8)

The 2017 estimates published in this table may differ from the 2017 estimates published in previous reports because the 2021 report 

addresses item nonresponse in the 2017 data through imputation, while previous reports addressed item nonresponse in the 2017 data 

in other ways; see Appendix 1 (FDIC Technical Notes) for details. Asterisk indicates differences that are statistically significant at the 10 

percent level. NA indicates that the sample size is too small to produce a precise estimate.
2021 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES | 47

Characteristics Number of Households 

(1000s) Percent of Households

 Cash Checks From 

Work, Retirement, or a 

Government Agency

All 4,215 100.0 68.4

Bank Account Ownership

Unbanked 1,290 100.0 80.0

Banked 2,924 100.0 63.3

Family Income

Less Than $15,000 870 100.0 82.0

$15,000 to $30,000 1,072 100.0 73.4

$30,000 to $50,000 933 100.0 69.0

$50,000 to $75,000 586 100.0 58.1

At Least $75,000 754 100.0 52.9

Education

No High School Diploma 961 100.0 74.9

High School Diploma 1,421 100.0 78.2

Some College 1,129 100.0 65.0

College Degree 704 100.0 45.3

Age Group

15 to 24 Years NA NA NA

25 to 34 Years 794 100.0 79.9

35 to 44 Years 962 100.0 70.9

45 to 54 Years 795 100.0 69.8

55 to 64 Years 646 100.0 60.7

65 Years or More 676 100.0 52.7

Race/Ethnicity

Black 1,063 100.0 75.1

Hispanic 1,149 100.0 71.4

Asian NA NA NA

American Indian or Alaska Native NA NA NA

Native Hawaiian or Other Pacific 

Islander NA NA NA

White 1,695 100.0 63.1

Two or More Races NA NA NA

Disability Status

Disabled, Aged 25 to 64 605 100.0 71.7

Not Disabled, Aged 25 to 64 2,593 100.0 70.6

Not Applicable (Not Aged 25 to 64) 1,017 100.0 61.0

Employment Status

Employed 2,482 100.0 69.7

Unemployed NA NA NA

Not in Labor Force 1,356 100.0 63.7

E.4 Cashing Checks From Work, Retirement, or a Government Agency Using Nonbank Check Cashing 

by Bank Account Ownership and Household Characteristics, 2021

Households That Used Nonbank Check Cashing in the Past 12 Months, Row Percent
48 | APPENDIX TABLES | 2021 FDIC National Survey of Unbanked and Underbanked Households

E.4 Cashing Checks From Work, Retirement, or a Government Agency Using Nonbank Check Cashing 

by Bank Account Ownership and Household Characteristics, 2021 (continued)

Households That Used Nonbank Check Cashing in the Past 12 Months, Row Percent

Characteristics Number of Households 

(1000s) Percent of Households

 Cash Checks From 

Work, Retirement, or a 

Government Agency

Homeownership

Homeowner 1,471 100.0 57.9

Non-Homeowner 2,744 100.0 74.1

Household Type

Married Couple 1,299 100.0 64.0

Unmarried Female-Householder 

Family 839 100.0 76.0

Unmarried Male-Householder Family NA NA NA

Female-Householder Nonfamily 695 100.0 62.4

Male-Householder Nonfamily 984 100.0 71.7

Other NA NA NA

Citizenship and Place of Birth

U.S.-Born 3,200 100.0 68.3

Foreign-Born Citizen NA NA NA

Foreign-Born Noncitizen 712 100.0 73.6

Metropolitan and Nonmetropolitan 

Status

Metropolitan Area 3,479 100.0 69.2

Not in Metropolitan Area 694 100.0 63.6

Not Identified NA NA NA

Geographic Region

Northeast NA NA NA

Midwest 843 100.0 71.9

South 1,846 100.0 67.2

West 1,001 100.0 70.6

NA indicates that the sample size is too small to produce a precise estimate.
2021 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES | 49

Characteristics Number of Households 

(1000s) Percent of Households Nonbank Money Transfer Service

All 132,517 100.0 7.0

Bank Account Ownership

Unbanked 5,907 100.0 15.5

Banked 126,610 100.0 6.6

Family Income

Less Than $15,000 12,547 100.0 9.8

$15,000 to $30,000 17,889 100.0 9.0

$30,000 to $50,000 24,617 100.0 8.1

$50,000 to $75,000 24,563 100.0 6.6

At Least $75,000 52,900 100.0 5.3

Education

No High School Diploma 10,492 100.0 13.8

High School Diploma 32,235 100.0 7.2

Some College 36,886 100.0 6.6

College Degree 52,904 100.0 5.8

Age Group

15 to 24 Years 5,881 100.0 9.5

25 to 34 Years 21,513 100.0 8.9

35 to 44 Years 22,665 100.0 8.7

45 to 54 Years 22,249 100.0 8.8

55 to 64 Years 24,582 100.0 6.5

65 Years or More 35,627 100.0 3.5

Race/Ethnicity

Black 16,933 100.0 12.5

Hispanic 19,368 100.0 15.4

Asian 7,043 100.0 12.0

American Indian or Alaska Native 958 100.0 15.6

Native Hawaiian or Other Pacific 

Islander NA NA NA

White 86,037 100.0 3.5

Two or More Races 1,838 100.0 7.7

Disability Status

Disabled, Aged 25 to 64 10,874 100.0 8.7

Not Disabled, Aged 25 to 64 80,136 100.0 8.1

Not Applicable (Not Aged 25 to 64) 41,507 100.0 4.3

Employment Status

Employed 80,133 100.0 7.9

Unemployed 4,903 100.0 10.9

Not in Labor Force 47,481 100.0 5.1

E.5 Use of Nonbank Money Transfer Services by Bank Account Ownership and Household 

Characteristics, 2021

All Households, Row Percent
50 | APPENDIX TABLES | 2021 FDIC National Survey of Unbanked and Underbanked Households

E.5 Use of Nonbank Money Transfer Services by Bank Account Ownership and Household 

Characteristics, 2021 (continued)

All Households, Row Percent

Characteristics Number of Households 

(1000s) Percent of Households Nonbank Money Transfer Service

Homeownership

Homeowner 86,172 100.0 4.9

Non-Homeowner 46,345 100.0 10.8

Household Type

Married Couple 60,985 100.0 6.4

Unmarried Female-Householder 

Family 15,800 100.0 10.1

Unmarried Male-Householder Family 7,032 100.0 9.1

Female-Householder Nonfamily 25,338 100.0 4.7

Male-Householder Nonfamily 23,191 100.0 8.2

Other NA NA NA

Citizenship and Place of Birth

U.S.-Born 112,868 100.0 4.7

Foreign-Born Citizen 11,453 100.0 15.5

Foreign-Born Noncitizen 8,197 100.0 25.7

Metropolitan and Nonmetropolitan 

Status 

Metropolitan Area 113,835 100.0 7.3

Not in Metropolitan Area 17,645 100.0 5.0

Not Identified 1,037 100.0 7.1

Geographic Region

Northeast 22,569 100.0 6.0

Midwest 28,167 100.0 5.3

South 51,356 100.0 7.9

West 30,425 100.0 7.7

NA indicates that the sample size is too small to produce a precise estimate.
2021 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES | 51

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households Pay Bills

Send or 

Receive 

Money in the 

United States

Send or 

Receive 

International 

Remittances

Some Other 

Use

All 9,247 100.0 25.4 36.9 39.6 5.5

Bank Account Ownership

Unbanked 916 100.0 47.8 36.2 30.1 1.3

Banked 8,331 100.0 22.9 37.0 40.6 6.0

Family Income

Less Than $15,000 1,232 100.0 39.8 34.1 29.2 3.4

$15,000 to $30,000 1,603 100.0 28.1 40.2 35.5 3.1

$30,000 to $50,000 2,003 100.0 29.6 34.8 39.3 4.9

$50,000 to $75,000 1,617 100.0 23.7 35.8 42.0 7.1

At Least $75,000 2,791 100.0 15.3 38.6 45.3 7.5

Education

No High School Diploma 1,453 100.0 23.6 37.6 49.1 3.3

High School Diploma 2,317 100.0 30.8 36.6 37.4 3.0

Some College 2,434 100.0 29.7 41.9 28.1 6.9

College Degree 3,043 100.0 18.6 32.9 45.9 7.5

Age Group

15 to 24 Years NA NA NA NA NA NA

25 to 34 Years 1,920 100.0 26.8 32.0 41.1 7.8

35 to 44 Years 1,971 100.0 21.6 35.2 48.6 3.5

45 to 54 Years 1,962 100.0 26.7 36.6 40.3 3.5

55 to 64 Years 1,592 100.0 22.4 39.1 39.3 6.9

65 Years or More 1,244 100.0 22.9 48.7 27.3 7.0

Race/Ethnicity

Black 2,111 100.0 31.7 46.9 26.2 3.8

Hispanic 2,990 100.0 21.9 25.9 57.4 3.8

Asian 845 100.0 9.8 18.7 79.0 3.8

American Indian or Alaska Native NA NA NA NA NA NA

Native Hawaiian or Other Pacific 

Islander NA NA NA NA NA NA

White 2,971 100.0 28.4 46.1 20.6 9.0

Two or More Races NA NA NA NA NA NA

Disability Status

Disabled, Aged 25 to 64 948 100.0 35.8 48.4 23.0 4.9

Not Disabled, Aged 25 to 64 6,498 100.0 22.8 33.7 45.3 5.4

Not Applicable (Not Aged 25 to 64) 1,801 100.0 29.1 42.6 27.7 6.3

E.6 Types of Transactions Conducted Using Nonbank Money Transfer Services by Bank Account 

Ownership and Household Characteristics, 2021

Households That Used Nonbank Money Transfer Services in the Past 12 Months, Row Percent
52 | APPENDIX TABLES | 2021 FDIC National Survey of Unbanked and Underbanked Households

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households Pay Bills

Send or 

Receive 

Money in the 

United States

Send or 

Receive 

International 

Remittances

Some Other 

Use

Employment Status

Employed 6,294 100.0 22.9 34.7 44.3 5.4

Unemployed 532 100.0 34.5 35.7 32.3 3.6

Not in Labor Force 2,421 100.0 29.7 43.0 29.0 6.4

Homeownership

Homeowner 4,235 100.0 19.8 40.4 39.5 7.0

Non-Homeowner 5,012 100.0 30.1 34.0 39.7 4.3

Household Type

Married Couple 3,922 100.0 17.1 36.5 47.6 5.1

Unmarried Female-Householder 

Family 1,594 100.0 26.9 42.6 35.0 2.5

Unmarried Male-Householder Family 639 100.0 29.2 30.2 45.9 4.6

Female-Householder Nonfamily 1,190 100.0 33.2 40.7 21.0 8.9

Male-Householder Nonfamily 1,892 100.0 34.9 33.1 36.5 6.8

Other NA NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 5,358 100.0 32.6 46.4 19.2 7.7

Foreign-Born Citizen 1,780 100.0 13.0 30.1 62.5 3.0

Foreign-Born Noncitizen 2,109 100.0 17.5 18.7 71.9 2.3

Metropolitan and Nonmetropolitan 

Status

Metropolitan Area 8,287 100.0 25.2 35.0 41.7 5.3

Not in Metropolitan Area 886 100.0 24.4 55.1 21.1 7.7

Not Identified NA NA NA NA NA NA

Geographic Region

Northeast 1,346 100.0 24.4 30.6 50.4 4.3

Midwest 1,484 100.0 22.6 43.5 29.1 7.6

South 4,070 100.0 26.4 37.1 38.2 5.3

West 2,347 100.0 25.8 36.2 42.3 5.4

The following types of transactions were included in the survey: pay monthly bills like rent, mortgage, utilities, or child care (i.e., pay 

bills); send money to or receive money from family or friends in the United States (i.e., send or receive money in the United States); send 

money to or receive money from family or friends outside the United States (i.e., send or receive international remittances); and some 

other use. Row percentages sum to more than 100 because households could select more than one type of transaction. NA indicates 

that the sample size is too small to produce a precise estimate.

E.6 Types of Transactions Conducted Using Nonbank Money Transfer Services by Bank Account 

Ownership and Household Characteristics, 2021 (continued)

Households That Used Nonbank Money Transfer Services in the Past 12 Months, Row Percent
2021 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES | 53

Characteristics Number of Households 

(1000s) Percent of Households Send or Receive International Remittances

All 132,517 100.0 2.8

Bank Account Ownership

Unbanked 5,907 100.0 4.7

Banked 126,610 100.0 2.7

Family Income

Less Than $15,000 12,547 100.0 2.9

$15,000 to $30,000 17,889 100.0 3.2

$30,000 to $50,000 24,617 100.0 3.2

$50,000 to $75,000 24,563 100.0 2.8

At Least $75,000 52,900 100.0 2.4

Education

No High School Diploma 10,492 100.0 6.8

High School Diploma 32,235 100.0 2.7

Some College 36,886 100.0 1.9

College Degree 52,904 100.0 2.6

Age Group

15 to 24 Years 5,881 100.0 2.7

25 to 34 Years 21,513 100.0 3.7

35 to 44 Years 22,665 100.0 4.2

45 to 54 Years 22,249 100.0 3.6

55 to 64 Years 24,582 100.0 2.5

65 Years or More 35,627 100.0 1.0

Race/Ethnicity

Black 16,933 100.0 3.3

Hispanic 19,368 100.0 8.9

Asian 7,043 100.0 9.5

American Indian or Alaska Native 958 100.0 4.1

Native Hawaiian or Other Pacific 

Islander NA NA NA

White 86,037 100.0 0.7

Two or More Races 1,838 100.0 3.5

Disability Status

Disabled, Aged 25 to 64 10,874 100.0 2.0

Not Disabled, Aged 25 to 64 80,136 100.0 3.7

Not Applicable (Not Aged 25 to 64) 41,507 100.0 1.2

Employment Status

Employed 80,133 100.0 3.5

Unemployed 4,903 100.0 3.5

Not in Labor Force 47,481 100.0 1.5

E.7 Sending or Receiving Nonbank International Remittances by Bank Account Ownership and 

Household Characteristics, 2021

All Households, Row Percent
54 | APPENDIX TABLES | 2021 FDIC National Survey of Unbanked and Underbanked Households

E.7 Sending or Receiving Nonbank International Remittances by Bank Account Ownership and 

Household Characteristics, 2021 (continued)

All Households, Row Percent

Characteristics Number of Households 

(1000s) Percent of Households Send or Receive International Remittances

Homeownership

Homeowner 86,172 100.0 1.9

Non-Homeowner 46,345 100.0 4.3

Household Type

Married Couple 60,985 100.0 3.1

Unmarried Female-Householder 

Family 15,800 100.0 3.5

Unmarried Male-Householder Family 7,032 100.0 4.2

Female-Householder Nonfamily 25,338 100.0 1.0

Male-Householder Nonfamily 23,191 100.0 3.0

Other NA NA NA

Citizenship and Place of Birth

U.S.-Born 112,868 100.0 0.9

Foreign-Born Citizen 11,453 100.0 9.7

Foreign-Born Noncitizen 8,197 100.0 18.5

Metropolitan and Nonmetropolitan 

Status

Metropolitan Area 113,835 100.0 3.0

Not in Metropolitan Area 17,645 100.0 1.1

Not Identified 1,037 100.0 1.5

Geographic Region

Northeast 22,569 100.0 3.0

Midwest 28,167 100.0 1.5

South 51,356 100.0 3.0

West 30,425 100.0 3.3

The type of transaction in this table is use of nonbank money transfer services to send money to or receive money from family or 

friends outside the United States (i.e., send or receive international remittances). NA indicates that the sample size is too small to 

produce a precise estimate.
2021 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES | 55

Geography

Number of 

Households 

(1000s)

Percent of 

Households

Nonbank Money 

Order

Nonbank Check 

Cashing

Nonbank Money 

Transfer Service

All 132,517 100.0 9.7 3.2 7.0

State

AL 2,045 100.0 10.0 3.8 4.7

AK 285 100.0 6.5 4.7 7.9

AZ 2,945 100.0 11.3 4.2 9.0

AR 1,278 100.0 9.6 4.7 6.3

CA 14,619 100.0 8.8 3.2 8.2

CO 2,551 100.0 7.6 2.7 8.2

CT 1,497 100.0 11.0 1.6 5.8

DE 414 100.0 13.3 3.4 8.5

DC 358 100.0 9.6 3.3 6.0

FL 9,057 100.0 10.5 2.8 9.8

GA 4,318 100.0 13.7 3.7 6.4

HI 486 100.0 7.5 0.7 9.4

ID 754 100.0 8.6 3.2 6.6

IL 4,887 100.0 5.8 2.6 7.3

IN 2,756 100.0 9.8 3.6 3.6

IA 1,298 100.0 5.7 2.3 5.9

KS 1,150 100.0 10.8 3.5 7.8

KY 1,776 100.0 11.6 2.8 5.5

LA 1,876 100.0 16.4 6.8 10.2

ME 575 100.0 7.1 3.8 2.9

MD 2,355 100.0 11.5 2.6 9.6

MA 2,811 100.0 7.1 1.2 6.2

MI 4,157 100.0 9.6 3.9 4.4

MN 2,399 100.0 4.3 1.1 4.9

MS 1,195 100.0 20.3 6.3 9.5

MO 2,603 100.0 9.2 3.9 5.8

MT 457 100.0 6.1 4.9 4.9

NE 779 100.0 10.9 3.1 6.7

NV 1,254 100.0 12.2 5.6 7.6

NH 556 100.0 4.7 2.0 2.9

NJ 3,422 100.0 9.8 2.9 8.4

NM 885 100.0 14.9 6.4 9.2

NY 7,669 100.0 9.1 2.9 6.8

NC 4,472 100.0 10.1 3.3 7.1

ND 351 100.0 5.7 2.7 3.2

OH 4,870 100.0 8.3 2.8 5.1

OK 1,635 100.0 12.4 2.9 6.8

E.8 Use of Nonbank Money Orders, Check Cashing, and Money Transfer Services by State, 2021

All Households, Row Percent
56 | APPENDIX TABLES | 2021 FDIC National Survey of Unbanked and Underbanked Households

E.8 Use of Nonbank Money Orders, Check Cashing, and Money Transfer Services by State, 2021 

(continued)

All Households, Row Percent

Geography

Number of 

Households 

(1000s)

Percent of 

Households

Nonbank Money 

Order

Nonbank Check 

Cashing

Nonbank Money 

Transfer Service

OR 1,747 100.0 8.6 2.4 6.2

PA 5,292 100.0 9.1 1.8 3.8

RI 473 100.0 9.8 1.1 5.8

SC 2,228 100.0 10.7 6.0 5.8

SD 389 100.0 7.7 4.3 3.2

TN 2,893 100.0 11.5 5.4 7.9

TX 11,225 100.0 13.2 3.6 9.2

UT 1,155 100.0 4.9 2.3 6.9

VT 273 100.0 3.9 1.5 3.9

VA 3,460 100.0 5.2 1.1 5.7

WA 3,036 100.0 9.8 2.2 4.9

WV 770 100.0 8.1 3.8 4.3

WI 2,528 100.0 5.0 2.7 3.4

WY 251 100.0 9.9 3.7 6.8
2021 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES | 57

Geography

Number of 

Households 

(1000s)

Percent of 

Households

Nonbank 

Money Order

Nonbank 

Check 

Cashing

Nonbank 

Money 

Transfer 

Service

All 132,517 100.0 9.7 3.2 7.0

MSA

Albuquerque, NM 418 100.0 12.7 6.5 7.1

Atlanta-Sandy Springs-Roswell, GA~ 2,482 100.0 9.4 2.8 6.5

Austin-Round Rock, TX 813 100.0 9.2 1.9 7.6

Baltimore-Columbia-Towson, MD 1,080 100.0 11.0 2.7 7.4

Baton Rouge, LA 356 100.0 17.2 4.0 11.8

Birmingham-Hoover, AL 558 100.0 6.9 4.2 4.5

Boise City, ID 299 100.0 7.3 3.0 5.8

Boston-Cambridge-Newton, MA-NH~ 2,039 100.0 5.8 0.7 5.9

Burlington-South Burlington, VT~ 79 100.0 1.2 0.8 4.9

Charlotte-Concord-Gastonia, NC-SC~ 1,170 100.0 9.3 5.5 9.4

Chicago-Naperville-Elgin, IL-IN-WI 3,573 100.0 6.1 2.8 7.4

Cincinnati, OH-KY-IN~ 763 100.0 6.4 1.3 6.9

Cleveland-Elyria, OH 990 100.0 8.0 0.8 3.8

Columbus, OH~ 886 100.0 9.7 4.4 9.3

Dallas-Fort Worth-Arlington, TX~ 2,955 100.0 15.2 4.7 9.8

Denver-Aurora-Lakewood, CO 1,307 100.0 11.2 4.2 9.2

Detroit-Warren-Dearborn, MI 1,868 100.0 12.1 4.4 4.1

Fargo, ND-MN 95 100.0 9.3 0.9 2.4

Fayetteville-Springdale-Rogers, AR-MO 252 100.0 10.4 3.5 7.7

Houston-The Woodlands-Sugar Land, TX~ 2,876 100.0 13.1 3.1 11.7

Indianapolis-Carmel-Anderson, IN~ 854 100.0 11.6 3.9 3.1

Jackson, MS~ 261 100.0 18.6 4.9 8.9

Kansas City, MO-KS~ 913 100.0 9.4 6.1 8.1

Knoxville, TN~ 404 100.0 9.1 – 5.8

Las Vegas-Henderson-Paradise, NV 1,009 100.0 12.6 5.1 6.8

Little Rock-North Little Rock-Conway, AR 341 100.0 8.7 7.2 5.1

Los Angeles-Long Beach-Anaheim, CA 4,580 100.0 11.4 3.6 8.5

Louisville/Jefferson County, KY-IN~ 600 100.0 8.8 3.0 5.5

Manchester-Nashua, NH~ 174 100.0 4.0 1.5 –

Memphis, TN-MS-AR~ 503 100.0 34.1 20.4 24.1

Miami-Fort Lauderdale-West Palm Beach, FL 2,683 100.0 14.0 2.4 14.4

Milwaukee-Waukesha-West Allis, WI 695 100.0 6.9 2.5 4.6

Minneapolis-St. Paul-Bloomington, MN-WI~ 1,618 100.0 3.7 0.4 4.9

Nashville-Davidson-Murfreesboro-Franklin, TN~ 844 100.0 7.5 2.3 5.3

New Orleans-Metairie, LA~ 488 100.0 12.2 3.5 9.9

New York-Newark-Jersey City, NY-NJ-PA~ 7,790 100.0 10.5 3.3 8.6

E.9 Use of Nonbank Money Orders, Check Cashing, and Money Transfer Services by MSA, 2021

All Households, Row Percent
58 | APPENDIX TABLES | 2021 FDIC National Survey of Unbanked and Underbanked Households

E.9 Use of Nonbank Money Orders, Check Cashing, and Money Transfer Services by MSA, 2021 

(continued)

All Households, Row Percent

Geography

Number of 

Households 

(1000s)

Percent of 

Households

Nonbank 

Money Order

Nonbank 

Check 

Cashing

Nonbank 

Money 

Transfer 

Service

Oklahoma City, OK 716 100.0 11.8 2.7 5.6

Omaha-Council Bluffs, NE-IA 379 100.0 9.0 4.1 4.6

Orlando-Kissimmee-Sanford, FL 1,157 100.0 10.2 1.5 7.4

Philadelphia-Camden-Wilmington, PA-NJ-DE-MD 2,448 100.0 8.5 1.8 6.1

Phoenix-Mesa-Scottsdale, AZ 1,948 100.0 10.4 5.1 8.5

Pittsburgh, PA 1,089 100.0 9.9 1.2 2.5

Portland-South Portland, ME~ 205 100.0 4.3 3.3 1.9

Portland-Vancouver-Hillsboro, OR-WA 1,044 100.0 12.3 2.3 5.0

Providence-Warwick, RI-MA~ 693 100.0 12.1 1.1 7.0

Riverside-San Bernardino-Ontario, CA 1,624 100.0 6.0 1.6 10.0

Sacramento-Roseville-Arden-Arcade, CA 914 100.0 6.9 2.1 5.0

St. Louis, MO-IL~ 1,268 100.0 6.5 3.2 6.4

Salisbury, MD-DE~ 246 100.0 11.3 5.4 9.2

Salt Lake City, UT~ 498 100.0 5.5 2.8 7.0

San Antonio-New Braunfels, TX 1,204 100.0 15.0 2.4 10.6

San Diego-Carlsbad, CA 1,223 100.0 6.5 1.6 7.2

San Francisco-Oakland-Hayward, CA 1,893 100.0 4.3 1.6 8.7

San Jose-Sunnyvale-Santa Clara, CA 835 100.0 2.4 0.6 9.6

Seattle-Tacoma-Bellevue, WA 1,663 100.0 6.5 0.6 4.1

Sioux Falls, SD 127 100.0 7.3 1.9 1.8

Tampa-St. Petersburg-Clearwater, FL 1,251 100.0 7.4 1.7 4.6

Urban Honolulu, HI 367 100.0 6.9 0.6 11.2

Virginia Beach-Norfolk-Newport News, VA-NC~ 671 100.0 9.9 – 5.3

Washington-Arlington-Alexandria, DC-VA-MD-WV~ 2,629 100.0 8.4 1.2 9.7

Wichita, KS~ 330 100.0 20.4 7.5 11.1

The tilde symbol indicates areas with geographic boundary changes between the 2013 and 2015 surveys; see Appendix 1 (FDIC 

Technical Notes) for details. The dash symbol indicates an estimate of zero; the population proportion may be slightly greater than 

zero.
2021 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES | 59

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households Credit Card

Bank 

Personal 

Loan

Credit Card 

or Bank 

Personal 

Loan

Nonbank 

Personal 

Loan

All 132,517 100.0 71.5 8.0 72.3 2.8

Bank Account Ownership

Unbanked 5,907 100.0 8.3 0.8 8.7 1.0

Banked 126,610 100.0 74.5 8.3 75.2 2.9

Family Income

Less Than $15,000 12,547 100.0 32.9 2.7 33.9 1.6

$15,000 to $30,000 17,889 100.0 51.3 4.1 52.2 2.5

$30,000 to $50,000 24,617 100.0 66.2 6.5 67.1 2.8

$50,000 to $75,000 24,563 100.0 77.0 8.8 77.8 3.2

At Least $75,000 52,900 100.0 87.5 10.9 87.9 3.0

Education

No High School Diploma 10,492 100.0 36.5 4.1 37.9 2.3

High School Diploma 32,235 100.0 59.5 6.7 60.7 2.5

Some College 36,886 100.0 71.6 8.3 72.2 3.4

College Degree 52,904 100.0 85.7 9.3 86.2 2.6

Age Group

15 to 24 Years 5,881 100.0 61.3 6.8 62.6 3.8

25 to 34 Years 21,513 100.0 70.8 9.1 71.9 3.6

35 to 44 Years 22,665 100.0 73.1 8.8 73.7 3.2

45 to 54 Years 22,249 100.0 72.3 9.2 73.1 3.0

55 to 64 Years 24,582 100.0 70.3 8.3 71.1 2.8

65 Years or More 35,627 100.0 73.0 5.9 73.4 1.7

Race/Ethnicity

Black 16,933 100.0 48.8 5.9 49.9 3.3

Hispanic 19,368 100.0 59.5 6.1 60.0 2.8

Asian 7,043 100.0 81.6 7.9 81.9 1.8

American Indian or Alaska Native 958 100.0 50.4 10.3 54.4 5.7

Native Hawaiian or Other Pacific 

Islander NA NA NA NA NA NA

White 86,037 100.0 78.1 8.7 78.8 2.7

Two or More Races 1,838 100.0 72.7 8.5 73.1 3.9

Disability Status

Disabled, Aged 25 to 64 10,874 100.0 47.4 6.9 48.4 3.5

Not Disabled, Aged 25 to 64 80,136 100.0 74.9 9.1 75.7 3.1

Not Applicable (Not Aged 25 to 64) 41,507 100.0 71.3 6.0 71.9 2.0

F.1 Use of Credit Cards, Bank Personal Loans, and Nonbank Personal Loans by Bank Account 

Ownership and Household Characteristics, 2021

All Households, Row Percent
60 | APPENDIX TABLES | 2021 FDIC National Survey of Unbanked and Underbanked Households

F.1 Use of Credit Cards, Bank Personal Loans, and Nonbank Personal Loans by Bank Account 

Ownership and Household Characteristics, 2021 (continued)

All Households, Row Percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households Credit Card

Bank 

Personal 

Loan

Credit Card 

or Bank 

Personal 

Loan

Nonbank 

Personal 

Loan

Employment Status

Employed 80,133 100.0 76.6 9.8 77.4 3.2

Unemployed 4,903 100.0 59.0 5.5 59.6 2.6

Not in Labor Force 47,481 100.0 64.3 5.1 64.9 2.1

Homeownership

Homeowner 86,172 100.0 79.4 9.3 80.1 2.7

Non-Homeowner 46,345 100.0 56.9 5.4 57.7 3.0

Household Type

Married Couple 60,985 100.0 80.5 9.8 81.1 2.7

Unmarried Female-Householder 

Family 15,800 100.0 57.1 6.2 58.0 3.4

Unmarried Male-Householder Family 7,032 100.0 63.7 8.0 64.6 3.1

Female-Householder Nonfamily 25,338 100.0 66.7 5.3 67.2 2.5

Male-Householder Nonfamily 23,191 100.0 65.5 7.2 66.6 2.6

Other NA NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 112,868 100.0 72.4 8.2 73.2 2.9

Foreign-Born Citizen 11,453 100.0 71.9 6.7 72.3 2.0

Foreign-Born Noncitizen 8,197 100.0 59.2 6.6 59.7 2.2

Metropolitan and Nonmetropolitan 

Status

Metropolitan Area 113,835 100.0 72.8 7.9 73.4 2.7

Not in Metropolitan Area 17,645 100.0 64.0 8.5 65.3 3.1

Not Identified 1,037 100.0 61.4 11.1 62.8 3.5

Geographic Region

Northeast 22,569 100.0 74.2 8.5 74.8 1.7

Midwest 28,167 100.0 74.4 8.9 75.2 2.8

South 51,356 100.0 66.4 7.1 67.3 3.1

West 30,425 100.0 75.5 8.1 76.0 3.0

The credit products in this table are Visa, MasterCard, American Express, or Discover credit cards (i.e., credit cards); personal loans 

or lines of credit from a bank (i.e., bank personal loans); and personal loans or lines of credit from a company other than a bank (i.e., 

nonbank personal loans). NA indicates that the sample size is too small to produce a precise estimate.
2021 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES | 61

Geography

Number of 

Households 

(1000s)

Percent of 

Households Credit Card Bank Personal Loan

Credit Card or 

Bank Personal 

Loan

Nonbank 

Personal Loan

All 132,517 100.0 71.5 8.0 72.3 2.8

State

AL 2,045 100.0 56.5 6.8 57.7 2.6

AK 285 100.0 70.4 7.9 71.8 2.0

AZ 2,945 100.0 80.0 9.4 80.0 3.7

AR 1,278 100.0 66.4 5.7 68.1 3.9

CA 14,619 100.0 73.9 6.7 74.1 2.6

CO 2,551 100.0 79.3 8.8 80.0 4.1

CT 1,497 100.0 81.8 9.2 83.1 3.1

DE 414 100.0 71.5 6.7 71.7 3.0

DC 358 100.0 78.4 7.3 79.0 2.0

FL 9,057 100.0 71.2 5.8 71.8 1.8

GA 4,318 100.0 64.9 6.2 65.4 3.0

HI 486 100.0 79.0 10.2 79.3 2.6

ID 754 100.0 74.7 12.9 76.5 3.5

IL 4,887 100.0 76.2 6.8 77.1 3.4

IN 2,756 100.0 68.6 6.0 69.4 3.5

IA 1,298 100.0 71.8 10.5 72.4 1.6

KS 1,150 100.0 76.6 9.9 77.5 3.9

KY 1,776 100.0 64.5 6.9 65.4 3.6

LA 1,876 100.0 52.4 5.9 53.4 2.5

ME 575 100.0 74.3 12.1 75.1 2.0

MD 2,355 100.0 77.3 7.0 78.0 2.4

MA 2,811 100.0 75.3 10.4 75.9 2.3

MI 4,157 100.0 74.4 9.8 75.7 1.1

MN 2,399 100.0 83.2 9.3 83.9 2.3

MS 1,195 100.0 49.8 8.8 50.8 5.7

MO 2,603 100.0 69.9 9.7 70.8 3.7

MT 457 100.0 72.9 12.9 75.1 1.9

NE 779 100.0 76.6 12.9 77.6 1.3

NV 1,254 100.0 66.5 5.3 67.0 1.7

NH 556 100.0 82.9 9.9 83.8 1.6

NJ 3,422 100.0 74.5 7.4 74.7 2.3

NM 885 100.0 68.1 9.7 70.0 3.3

NY 7,669 100.0 70.0 7.1 70.1 0.9

NC 4,472 100.0 63.0 9.1 64.5 3.7

ND 351 100.0 74.3 11.2 75.3 2.9

OH 4,870 100.0 72.9 9.7 73.5 3.7

OK 1,635 100.0 64.7 7.4 65.7 4.3

F.2 Use of Credit Cards, Bank Personal Loans, and Nonbank Personal Loans by State, 2021

All Households, Row Percent
62 | APPENDIX TABLES | 2021 FDIC National Survey of Unbanked and Underbanked Households

F.2 Use of Credit Cards, Bank Personal Loans, and Nonbank Personal Loans by State, 2021 (continued)

All Households, Row Percent

Geography

Number of 

Households 

(1000s)

Percent of 

Households Credit Card Bank Personal Loan

Credit Card or 

Bank Personal 

Loan

Nonbank 

Personal Loan

OR 1,747 100.0 82.1 11.4 82.6 2.9

PA 5,292 100.0 76.4 9.8 77.6 1.8

RI 473 100.0 71.9 5.9 72.6 1.4

SC 2,228 100.0 61.2 7.8 63.0 3.3

SD 389 100.0 74.4 12.2 76.4 4.2

TN 2,893 100.0 66.6 6.1 67.2 3.3

TX 11,225 100.0 64.6 7.8 65.7 3.8

UT 1,155 100.0 82.3 11.8 83.1 4.2

VT 273 100.0 76.7 9.6 78.1 1.3

VA 3,460 100.0 81.9 7.6 82.2 3.2

WA 3,036 100.0 76.2 8.8 76.8 3.6

WV 770 100.0 62.6 8.9 64.3 2.4

WI 2,528 100.0 75.9 8.6 76.3 1.6

WY 251 100.0 70.8 9.2 71.9 1.1

The credit products in this table are Visa, MasterCard, American Express, or Discover credit cards (i.e., credit cards); personal loans 

or lines of credit from a bank (i.e., bank personal loans); and personal loans or lines of credit from a company other than a bank (i.e., 

nonbank personal loans).
2021 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES | 63

Geography

Number of 

Households 

(1000s)

Percent of 

Households Credit Card

Bank 

Personal 

Loan

Credit Card 

or Bank 

Personal 

Loan

Nonbank 

Personal 

Loan

All 132,517 100.0 71.5 8.0 72.3 2.8

MSA

Albuquerque, NM 418 100.0 79.5 11.8 79.9 4.2

Atlanta-Sandy Springs-Roswell, GA~ 2,482 100.0 72.6 8.0 72.8 4.4

Austin-Round Rock, TX 813 100.0 75.2 9.2 75.8 3.6

Baltimore-Columbia-Towson, MD 1,080 100.0 77.6 6.6 78.3 3.0

Baton Rouge, LA 356 100.0 57.6 6.6 57.6 0.9

Birmingham-Hoover, AL 558 100.0 41.8 3.5 42.4 1.1

Boise City, ID 299 100.0 76.1 8.3 78.3 2.2

Boston-Cambridge-Newton, MA-NH~ 2,039 100.0 81.5 8.7 82.1 2.1

Burlington-South Burlington, VT~ 79 100.0 79.5 13.0 82.2 –

Charlotte-Concord-Gastonia, NC-SC~ 1,170 100.0 66.6 9.6 69.3 4.0

Chicago-Naperville-Elgin, IL-IN-WI 3,573 100.0 77.3 6.5 77.9 3.4

Cincinnati, OH-KY-IN~ 763 100.0 76.0 8.3 76.0 7.5

Cleveland-Elyria, OH 990 100.0 79.1 14.1 80.4 4.1

Columbus, OH~ 886 100.0 77.3 5.7 77.3 2.8

Dallas-Fort Worth-Arlington, TX~ 2,955 100.0 70.6 5.1 71.1 4.4

Denver-Aurora-Lakewood, CO 1,307 100.0 78.4 8.8 78.4 5.7

Detroit-Warren-Dearborn, MI 1,868 100.0 72.8 9.2 73.6 0.4

Fargo, ND-MN 95 100.0 75.4 7.8 75.4 3.9

Fayetteville-Springdale-Rogers, AR-MO 252 100.0 72.0 5.3 72.0 3.9

Houston-The Woodlands-Sugar Land, TX~ 2,876 100.0 60.8 6.3 61.7 1.8

Indianapolis-Carmel-Anderson, IN~ 854 100.0 62.3 5.5 62.9 3.1

Jackson, MS~ 261 100.0 53.6 11.2 54.4 6.2

Kansas City, MO-KS~ 913 100.0 71.4 4.2 71.7 2.7

Knoxville, TN~ 404 100.0 79.8 8.5 80.9 1.0

Las Vegas-Henderson-Paradise, NV 1,009 100.0 68.3 4.3 68.3 1.3

Little Rock-North Little Rock-Conway, AR 341 100.0 74.5 4.9 75.2 4.9

Los Angeles-Long Beach-Anaheim, CA 4,580 100.0 73.2 5.7 73.5 2.7

Louisville/Jefferson County, KY-IN~ 600 100.0 73.5 6.2 73.5 3.7

Manchester-Nashua, NH~ 174 100.0 82.0 10.4 82.0 0.6

Memphis, TN-MS-AR~ 503 100.0 53.3 4.1 54.3 1.9

Miami-Fort Lauderdale-West Palm Beach, FL 2,683 100.0 66.9 3.3 67.6 1.8

Milwaukee-Waukesha-West Allis, WI 695 100.0 78.2 8.7 78.2 –

Minneapolis-St. Paul-Bloomington, MN-WI~ 1,618 100.0 85.6 8.5 85.9 2.6

Nashville-Davidson-Murfreesboro-Franklin, TN~ 844 100.0 71.4 6.1 71.8 3.9

New Orleans-Metairie, LA~ 488 100.0 65.2 5.5 65.2 2.4

New York-Newark-Jersey City, NY-NJ-PA~ 7,790 100.0 69.3 5.0 69.4 0.9

F.3 Use of Credit Cards, Bank Personal Loans, and Nonbank Personal Loans by MSA, 2021

All Households, Row Percent
64 | APPENDIX TABLES | 2021 FDIC National Survey of Unbanked and Underbanked Households

F.3 Use of Credit Cards, Bank Personal Loans, and Nonbank Personal Loans by MSA, 2021 (continued)

All Households, Row Percent

Geography

Number of 

Households 

(1000s)

Percent of 

Households Credit Card

Bank 

Personal 

Loan

Credit Card 

or Bank 

Personal 

Loan

Nonbank 

Personal 

Loan

Oklahoma City, OK 716 100.0 69.1 2.4 69.6 5.6

Omaha-Council Bluffs, NE-IA 379 100.0 76.2 13.7 77.4 2.0

Orlando-Kissimmee-Sanford, FL 1,157 100.0 79.0 4.6 79.0 –

Philadelphia-Camden-Wilmington, PA-NJ-DE-MD 2,448 100.0 79.6 6.9 79.6 1.5

Phoenix-Mesa-Scottsdale, AZ 1,948 100.0 81.5 8.2 81.5 2.8

Pittsburgh, PA 1,089 100.0 77.7 7.7 77.7 2.0

Portland-South Portland, ME~ 205 100.0 83.5 9.2 84.2 –

Portland-Vancouver-Hillsboro, OR-WA 1,044 100.0 85.3 8.9 86.1 2.6

Providence-Warwick, RI-MA~ 693 100.0 67.8 7.7 68.2 2.5

Riverside-San Bernardino-Ontario, CA 1,624 100.0 64.5 5.1 65.4 0.8

Sacramento-Roseville-Arden-Arcade, CA 914 100.0 85.1 9.8 85.1 4.5

St. Louis, MO-IL~ 1,268 100.0 78.2 8.4 78.2 4.8

Salisbury, MD-DE~ 246 100.0 64.2 11.4 64.5 2.3

Salt Lake City, UT~ 498 100.0 77.8 11.5 78.4 5.1

San Antonio-New Braunfels, TX 1,204 100.0 68.1 8.5 70.8 3.9

San Diego-Carlsbad, CA 1,223 100.0 84.9 8.0 85.3 0.8

San Francisco-Oakland-Hayward, CA 1,893 100.0 79.4 7.7 79.4 1.0

San Jose-Sunnyvale-Santa Clara, CA 835 100.0 79.0 6.1 79.0 1.1

Seattle-Tacoma-Bellevue, WA 1,663 100.0 77.8 10.4 78.8 4.3

Sioux Falls, SD 127 100.0 77.5 18.2 81.2 4.4

Tampa-St. Petersburg-Clearwater, FL 1,251 100.0 72.6 7.1 72.6 0.9

Urban Honolulu, HI 367 100.0 78.8 9.3 78.8 2.4

Virginia Beach-Norfolk-Newport News, VA-NC~ 671 100.0 88.1 7.7 89.5 2.5

Washington-Arlington-Alexandria, DC-VA-MD-WV~ 2,629 100.0 82.7 7.4 82.8 3.0

Wichita, KS~ 330 100.0 70.6 15.8 71.6 7.0

The credit products in this table are Visa, MasterCard, American Express, or Discover credit cards (i.e., credit cards); personal loans 

or lines of credit from a bank (i.e., bank personal loans); and personal loans or lines of credit from a company other than a bank (i.e., 

nonbank personal loans). The tilde symbol indicates areas with geographic boundary changes between the 2013 and 2015 surveys; see 

Appendix 1 (FDIC Technical Notes) for details. The dash symbol indicates an estimate of zero; the population proportion may be slightly 

greater than zero. 
2021 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES | 65

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Rentto-Own 

Service

Payday 

Loan

Pawn 

Shop 

Loan

Tax Refund 

Anticipation 

Loan

Auto 

Title 

Loan

Rent-toOwn Service 

or Payday, 

Pawn Shop, 

Tax Refund 

Anticipation, 

or Auto Title 

Loan

All 132,517 100.0 1.2 1.1 1.0 1.0 0.9 4.4

Bank Account Ownership

Unbanked 5,907 100.0 2.9 1.7 3.9 2.1 1.2 9.5

Banked 126,610 100.0 1.1 1.1 0.8 0.9 0.9 4.2

Family Income

Less Than $15,000 12,547 100.0 2.2 1.7 2.1 1.4 0.8 7.0

$15,000 to $30,000 17,889 100.0 2.1 1.4 2.0 1.8 0.8 6.9

$30,000 to $50,000 24,617 100.0 1.5 1.4 1.4 1.4 1.3 6.1

$50,000 to $75,000 24,563 100.0 1.3 1.3 0.6 0.9 0.9 4.3

At Least $75,000 52,900 100.0 0.5 0.6 0.3 0.5 0.8 2.3

Education

No High School Diploma 10,492 100.0 2.5 1.5 2.1 1.8 1.0 7.8

High School Diploma 32,235 100.0 1.6 1.4 1.2 1.3 1.2 5.9

Some College 36,886 100.0 1.6 1.4 1.2 1.1 1.0 5.2

College Degree 52,904 100.0 0.5 0.6 0.4 0.5 0.6 2.3

Age Group

15 to 24 Years 5,881 100.0 2.1 1.9 1.5 0.8 1.7 6.8

25 to 34 Years 21,513 100.0 2.2 1.5 1.2 1.7 1.2 7.0

35 to 44 Years 22,665 100.0 1.6 1.4 1.0 1.4 0.9 5.3

45 to 54 Years 22,249 100.0 1.2 1.3 1.3 1.1 1.1 5.0

55 to 64 Years 24,582 100.0 0.9 0.8 0.9 0.7 0.8 3.7

65 Years or More 35,627 100.0 0.4 0.6 0.5 0.4 0.5 2.1

Race/Ethnicity

Black 16,933 100.0 2.5 2.4 1.3 2.3 0.9 7.6

Hispanic 19,368 100.0 1.5 1.8 1.7 1.0 1.3 6.4

Asian 7,043 100.0 0.4 0.3 0.4 0.7 0.7 2.2

American Indian or Alaska Native 958 100.0 3.4 1.9 4.6 1.4 0.7 10.5

Native Hawaiian or Other Pacific 

Islander NA NA NA NA NA NA NA NA

White 86,037 100.0 0.9 0.7 0.7 0.7 0.8 3.3

Two or More Races 1,838 100.0 2.6 0.9 2.5 2.2 2.3 8.2

Disability Status

Disabled, Aged 25 to 64 10,874 100.0 3.0 1.9 2.0 1.0 1.3 7.9

Not Disabled, Aged 25 to 64 80,136 100.0 1.3 1.2 1.0 1.2 0.9 4.8

Not Applicable (Not Aged 25 to 64) 41,507 100.0 0.6 0.7 0.6 0.5 0.7 2.7

F.4 Use of Rent-to-Own Services and Payday, Pawn Shop, Tax Refund Anticipation, and Auto Title 

Loans by Bank Account Ownership and Household Characteristics, 2021

All Households, Row Percent
66 | APPENDIX TABLES | 2021 FDIC National Survey of Unbanked and Underbanked Households

F.4 Use of Rent-to-Own Services and Payday, Pawn Shop, Tax Refund Anticipation, and Auto Title 

Loans by Bank Account Ownership and Household Characteristics, 2021 (continued)

All Households, Row Percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Rentto-Own 

Service

Payday 

Loan

Pawn 

Shop 

Loan

Tax Refund 

Anticipation 

Loan

Auto 

Title 

Loan

Rent-toOwn Service 

or Payday, 

Pawn Shop, 

Tax Refund 

Anticipation, 

or Auto Title 

Loan

Employment Status

Employed 80,133 100.0 1.2 1.2 0.9 1.1 1.0 4.6

Unemployed 4,903 100.0 2.3 1.4 3.0 1.1 1.1 8.0

Not in Labor Force 47,481 100.0 1.1 0.9 0.9 0.8 0.7 3.8

Homeownership

Homeowner 86,172 100.0 0.7 0.6 0.5 0.6 0.8 2.9

Non-Homeowner 46,345 100.0 2.1 1.9 1.7 1.6 1.1 7.2

Household Type

Married Couple 60,985 100.0 0.8 0.8 0.7 0.6 0.9 3.3

Unmarried Female-Householder 

Family 15,800 100.0 2.7 2.2 1.4 2.5 1.0 8.6

Unmarried Male-Householder Family 7,032 100.0 2.5 1.9 2.6 1.7 1.1 8.3

Female-Householder Nonfamily 25,338 100.0 0.9 0.8 0.6 0.7 0.6 3.2

Male-Householder Nonfamily 23,191 100.0 1.2 1.2 1.3 1.0 1.0 4.6

Other NA NA NA NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 112,868 100.0 1.3 1.1 1.0 1.0 0.9 4.4

Foreign-Born Citizen 11,453 100.0 0.4 0.9 0.4 1.1 0.4 3.0

Foreign-Born Noncitizen 8,197 100.0 1.3 1.7 1.5 1.0 1.4 6.0

Metropolitan and Nonmetropolitan 

Status

Metropolitan Area 113,835 100.0 1.1 1.1 1.0 0.9 0.8 4.3

Not in Metropolitan Area 17,645 100.0 1.9 0.9 0.9 1.0 1.3 5.2

Not Identified 1,037 100.0 2.2 1.6 1.5 3.0 2.4 9.0

Geographic Region

Northeast 22,569 100.0 1.0 0.5 0.6 1.1 0.9 3.6

Midwest 28,167 100.0 1.4 1.2 0.8 0.8 0.9 4.2

South 51,356 100.0 1.6 1.5 1.3 1.3 0.9 5.6

West 30,425 100.0 0.5 0.7 0.8 0.6 1.0 3.2

NA indicates that the sample size is too small to produce a precise estimate.
2021 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES | 67

Geography

Number of 

Households 

(1000s)

Percent of 

Households

Rent-toOwn Service Payday Loan Pawn Shop 

Loan

Tax Refund 

Anticipation 

Loan

Auto 

Title 

Loan

Rent-to-Own 

Service or Payday, 

Pawn Shop, 

Tax Refund 

Anticipation, or 

Auto Title Loan

All 132,517 100.0 1.2 1.1 1.0 1.0 0.9 4.4

State

AL 2,045 100.0 0.9 0.9 0.8 0.8 0.7 3.7

AK 285 100.0 0.7 0.5 2.0 0.8 – 3.6

AZ 2,945 100.0 1.1 0.9 0.4 – 0.9 2.9

AR 1,278 100.0 2.8 1.0 1.6 1.8 1.8 7.0

CA 14,619 100.0 0.3 0.6 0.9 0.8 0.9 3.2

CO 2,551 100.0 0.7 0.4 1.0 0.3 0.6 2.7

CT 1,497 100.0 – 0.7 0.9 0.8 0.3 2.6

DE 414 100.0 1.7 0.9 1.0 6.5 0.6 8.3

DC 358 100.0 0.4 0.2 0.4 0.2 0.3 1.3

FL 9,057 100.0 1.5 2.1 1.9 1.8 0.9 6.5

GA 4,318 100.0 1.6 0.2 1.5 1.8 1.0 5.9

HI 486 100.0 0.6 1.6 1.0 0.5 1.4 4.5

ID 754 100.0 1.5 0.6 1.4 1.0 2.2 4.8

IL 4,887 100.0 1.4 1.5 1.1 0.5 0.4 3.9

IN 2,756 100.0 1.0 1.6 0.7 0.7 0.8 3.9

IA 1,298 100.0 0.7 1.1 0.3 0.7 1.0 3.4

KS 1,150 100.0 1.8 1.3 1.1 0.8 1.0 5.4

KY 1,776 100.0 1.9 1.5 3.1 0.8 0.5 7.2

LA 1,876 100.0 2.2 1.1 1.2 1.5 1.0 6.6

ME 575 100.0 2.2 0.7 – 0.9 0.9 3.6

MD 2,355 100.0 0.6 1.1 0.4 0.6 – 2.7

MA 2,811 100.0 1.0 0.6 0.2 0.9 0.4 2.9

MI 4,157 100.0 1.3 1.1 0.9 0.5 1.3 4.7

MN 2,399 100.0 1.2 0.5 0.8 0.3 0.2 2.7

MS 1,195 100.0 3.8 2.7 2.1 1.7 2.1 8.1

MO 2,603 100.0 1.1 1.3 0.7 1.4 1.1 5.0

MT 457 100.0 1.8 0.2 3.0 0.7 0.6 5.7

NE 779 100.0 1.0 1.2 0.5 0.4 0.5 3.3

NV 1,254 100.0 0.5 1.0 1.0 1.8 1.8 3.8

NH 556 100.0 1.1 1.4 0.4 1.3 1.2 5.1

NJ 3,422 100.0 0.9 0.3 1.4 1.3 0.7 3.2

NM 885 100.0 3.2 2.2 1.2 0.9 2.1 8.1

NY 7,669 100.0 0.5 0.4 0.7 1.2 0.6 3.3

NC 4,472 100.0 2.3 0.8 0.8 0.9 0.5 4.7

F.5 Use of Rent-to-Own Services and Payday, Pawn Shop, Tax Refund Anticipation, and Auto Title 

Loans by State, 2021

All Households, Row Percent
68 | APPENDIX TABLES | 2021 FDIC National Survey of Unbanked and Underbanked Households

F.5 Use of Rent-to-Own Services and Payday, Pawn Shop, Tax Refund Anticipation, and Auto Title 

Loans by State, 2021 (continued)

All Households, Row Percent

Geography

Number of 

Households 

(1000s)

Percent of 

Households

Rent-toOwn Service Payday Loan Pawn Shop 

Loan

Tax Refund 

Anticipation 

Loan

Auto 

Title 

Loan

Rent-to-Own 

Service or Payday, 

Pawn Shop, 

Tax Refund 

Anticipation, or 

Auto Title Loan

ND 351 100.0 0.6 1.3 1.7 0.8 0.6 4.3

OH 4,870 100.0 2.4 0.7 0.7 1.5 1.4 5.4

OK 1,635 100.0 2.0 2.2 2.4 4.4 1.3 10.6

OR 1,747 100.0 0.2 0.6 0.4 0.6 0.8 1.9

PA 5,292 100.0 2.2 0.5 0.1 1.0 1.9 5.1

RI 473 100.0 – 0.7 0.7 0.9 0.3 2.6

SC 2,228 100.0 1.3 1.0 1.0 1.6 1.1 5.3

SD 389 100.0 1.3 1.4 0.8 2.1 1.3 5.0

TN 2,893 100.0 1.0 2.7 0.6 1.0 0.6 4.7

TX 11,225 100.0 1.5 2.3 1.3 0.7 1.2 6.1

UT 1,155 100.0 0.2 1.0 – 0.2 1.1 2.2

VT 273 100.0 1.3 – 0.4 0.2 0.9 2.6

VA 3,460 100.0 1.1 0.6 0.5 0.2 – 2.3

WA 3,036 100.0 0.3 0.9 0.2 – 0.8 2.1

WV 770 100.0 1.4 0.3 0.5 0.6 1.0 3.3

WI 2,528 100.0 0.7 1.4 – 0.3 0.7 2.6

WY 251 100.0 1.0 0.6 1.6 0.3 1.2 4.1

The dash symbol indicates an estimate of zero; the population proportion may be slightly greater than zero.
2021 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES | 69

Geography

Number of 

Households 

(1000s)

Percent of 

Households

Rentto-Own 

Service

Payday 

Loan

Pawn 

Shop 

Loan

Tax Refund 

Anticipation 

Loan

Auto 

Title 

Loan

Rent-to-Own 

Service or Payday, 

Pawn Shop, 

Tax Refund 

Anticipation, or 

Auto Title Loan

All 132,517 100.0 1.2 1.1 1.0 1.0 0.9 4.4

MSA

Albuquerque, NM 418 100.0 2.2 1.9 0.7 – 1.3 5.3

Atlanta-Sandy SpringsRoswell, GA~ 2,482 100.0 1.2 0.4 2.1 2.0 0.9 6.4

Austin-Round Rock, TX 813 100.0 1.0 2.6 0.8 1.1 2.6 8.0

Baltimore-ColumbiaTowson, MD 1,080 100.0 0.5 – – 1.4 – 1.8

Baton Rouge, LA 356 100.0 0.6 0.9 – – – 1.5

Birmingham-Hoover, AL 558 100.0 – 0.7 1.4 0.6 0.7 2.7

Boise City, ID 299 100.0 0.7 0.4 0.7 0.8 2.5 3.6

Boston-CambridgeNewton, MA-NH~ 2,039 100.0 0.8 0.7 0.1 1.1 0.5 2.7

Burlington-South 

Burlington, VT~ 79 100.0 – – – – 0.8 0.8

Charlotte-ConcordGastonia, NC-SC~ 1,170 100.0 2.6 1.0 0.9 0.5 1.0 5.0

Chicago-Naperville-Elgin, 

IL-IN-WI 3,573 100.0 0.5 1.5 0.6 0.2 0.3 2.9

Cincinnati, OH-KY-IN~ 763 100.0 1.1 1.7 1.1 1.0 2.7 6.7

Cleveland-Elyria, OH 990 100.0 1.7 0.6 – – – 2.2

Columbus, OH~ 886 100.0 4.0 0.6 0.6 1.6 0.9 5.6

Dallas-Fort WorthArlington, TX~ 2,955 100.0 1.4 2.8 0.7 0.7 1.1 5.6

Denver-AuroraLakewood, CO 1,307 100.0 – 0.7 1.6 0.6 1.2 3.5

Detroit-Warren-Dearborn, 

MI 1,868 100.0 0.9 1.1 0.8 0.4 2.1 4.9

Fargo, ND-MN 95 100.0 0.9 1.6 2.2 – – 3.8

Fayetteville-SpringdaleRogers, AR-MO 252 100.0 0.9 0.8 1.5 1.4 – 3.7

Houston-The WoodlandsSugar Land, TX~ 2,876 100.0 0.6 2.3 0.9 0.5 0.2 4.4

Indianapolis-CarmelAnderson, IN~ 854 100.0 1.4 1.1 0.6 0.6 – 3.7

Jackson, MS~ 261 100.0 5.4 2.5 1.5 3.3 1.1 9.9

Kansas City, MO-KS~ 913 100.0 – 0.5 0.8 2.4 0.7 4.3

Knoxville, TN~ 404 100.0 3.1 1.0 – – 1.2 4.3

Las Vegas-HendersonParadise, NV 1,009 100.0 0.6 0.9 0.9 2.0 1.9 4.1

F.6 Use of Rent-to-Own Services and Payday, Pawn Shop, Tax Refund Anticipation, and Auto Title 

Loans by MSA, 2021

All Households, Row Percent
70 | APPENDIX TABLES | 2021 FDIC National Survey of Unbanked and Underbanked Households

F.6 Use of Rent-to-Own Services and Payday, Pawn Shop, Tax Refund Anticipation, and Auto Title 

Loans by MSA, 2021 (continued)

All Households, Row Percent

Geography

Number of 

Households 

(1000s)

Percent of 

Households

Rentto-Own 

Service

Payday 

Loan

Pawn 

Shop 

Loan

Tax Refund 

Anticipation 

Loan

Auto 

Title 

Loan

Rent-to-Own 

Service or Payday, 

Pawn Shop, 

Tax Refund 

Anticipation, or 

Auto Title Loan

Little Rock-North Little 

Rock-Conway, AR 341 100.0 2.5 0.7 2.2 1.7 5.0 10.3

Los Angeles-Long BeachAnaheim, CA 4,580 100.0 0.4 0.8 0.8 1.0 0.7 3.4

Louisville/Jefferson 

County, KY-IN~ 600 100.0 1.4 0.6 – 1.6 1.3 3.6

Manchester-Nashua, NH~ 174 100.0 – 1.8 – 2.4 2.6 6.7

Memphis, TN-MS-AR~ 503 100.0 0.6 6.0 – 0.6 – 6.6

Miami-Fort LauderdaleWest Palm Beach, FL 2,683 100.0 0.8 2.6 0.9 0.9 0.4 4.9

Milwaukee-WaukeshaWest Allis, WI 695 100.0 1.2 1.5 – – 0.6 3.3

Minneapolis-St. PaulBloomington, MN-WI~ 1,618 100.0 1.2 0.8 0.7 – – 2.3

Nashville-DavidsonMurfreesboro-Franklin, 

TN~ 844 100.0 1.3 2.7 1.5 1.3 1.3 5.1

New Orleans-Metairie, 

LA~ 488 100.0 2.0 1.0 1.9 2.9 1.7 9.5

New York-Newark-Jersey 

City, NY-NJ-PA~ 7,790 100.0 0.5 0.5 0.9 1.2 0.5 2.9

Oklahoma City, OK 716 100.0 1.0 2.6 1.6 5.2 0.7 9.4

Omaha-Council Bluffs, 

NE-IA 379 100.0 – 1.7 0.9 0.8 0.6 3.5

Orlando-KissimmeeSanford, FL 1,157 100.0 – 2.5 3.3 – – 5.8

Philadelphia-CamdenWilmington, PA-NJDE-MD 2,448 100.0 1.2 0.3 0.6 1.3 0.4 3.4

Phoenix-Mesa-Scottsdale, 

AZ 1,948 100.0 – 1.1 – – 0.5 1.1

Pittsburgh, PA 1,089 100.0 1.3 0.4 – 0.9 1.5 3.7

Portland-South Portland, 

ME~ 205 100.0 0.7 1.0 – 0.7 – 1.6

Portland-VancouverHillsboro, OR-WA 1,044 100.0 0.4 0.4 0.6 0.3 1.1 1.7

Providence-Warwick, 

RI-MA~ 693 100.0 1.2 1.3 0.5 1.3 0.2 4.5

Riverside-San 

Bernardino-Ontario, CA 1,624 100.0 0.4 0.8 1.2 0.3 2.0 4.6

Sacramento-RosevilleArden-Arcade, CA 914 100.0 – 0.9 1.4 2.3 0.7 4.4
2021 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES | 71

F.6 Use of Rent-to-Own Services and Payday, Pawn Shop, Tax Refund Anticipation, and Auto Title 

Loans by MSA, 2021 (continued)

All Households, Row Percent

Geography

Number of 

Households 

(1000s)

Percent of 

Households

Rentto-Own 

Service

Payday 

Loan

Pawn 

Shop 

Loan

Tax Refund 

Anticipation 

Loan

Auto 

Title 

Loan

Rent-to-Own 

Service or Payday, 

Pawn Shop, 

Tax Refund 

Anticipation, or 

Auto Title Loan

St. Louis, MO-IL~ 1,268 100.0 1.2 0.8 1.1 0.7 1.3 3.6

Salisbury, MD-DE~ 246 100.0 6.0 1.1 1.1 1.9 1.1 6.9

Salt Lake City, UT~ 498 100.0 0.4 1.2 – – 1.4 3.0

San Antonio-New 

Braunfels, TX 1,204 100.0 2.9 0.5 3.3 0.4 3.2 9.3

San Diego-Carlsbad, CA 1,223 100.0 – 0.4 1.1 0.5 1.1 3.1

San Francisco-OaklandHayward, CA 1,893 100.0 – – 0.3 – 0.2 0.5

San Jose-SunnyvaleSanta Clara, CA 835 100.0 – – 0.8 – 1.3 2.1

Seattle-Tacoma-Bellevue, 

WA 1,663 100.0 – 1.4 – – 0.6 2.0

Sioux Falls, SD 127 100.0 0.9 0.8 0.9 3.5 0.8 5.2

Tampa-St. PetersburgClearwater, FL 1,251 100.0 2.1 1.7 0.6 1.6 0.6 5.5

Urban Honolulu, HI 367 100.0 0.9 1.8 1.1 0.7 1.3 4.8

Virginia Beach-NorfolkNewport News, VA-NC~ 671 100.0 1.3 – 1.2 – – 2.5

Washington-ArlingtonAlexandria, DC-VA-MDWV~ 2,629 100.0 0.5 1.5 0.7 0.3 – 2.9

Wichita, KS~ 330 100.0 2.0 3.1 3.3 0.9 1.1 8.2

The tilde symbol indicates areas with geographic boundary changes between the 2013 and 2015 surveys; see Appendix 1 (FDIC Technical 

Notes) for details. The dash symbol indicates an estimate of zero; the population proportion may be slightly greater than zero.
72 | APPENDIX TABLES | 2021 FDIC National Survey of Unbanked and Underbanked Households

Characteristics 2017 2019 2021

90% 

Confidence 

Interval, 2021

Difference 

(2021–2019)

90% 

Confidence 

Interval, 

Difference

All 68.5 71.3 71.5 (70.9, 72.1) 0.2 (-0.6, 1.0)

Bank Account Ownership

Unbanked 7.0 8.0 8.3 (6.9, 9.8) 0.3 (-1.6, 2.1)

Banked 72.7 74.9 74.5 (73.8, 75.1) -0.4 (-1.3, 0.4)

Family Income

Less Than $15,000 31.9 35.6 32.9 (31.2, 34.7) -2.7* (-5.0, -0.3)

$15,000 to $30,000 49.2 50.4 51.3 (49.6, 52.9) 0.8 (-1.3, 3.0)

$30,000 to $50,000 63.6 65.3 66.2 (65.0, 67.4) 0.9 (-0.9, 2.8)

$50,000 to $75,000 77.2 77.7 77.0 (75.8, 78.2) -0.6 (-2.2, 0.9)

At Least $75,000 88.5 89.2 87.5 (86.9, 88.0) -1.8* (-2.6, -1.0)

Education

No High School Diploma 35.0 35.5 36.5 (34.6, 38.6) 1.1 (-1.4, 3.5)

High School Diploma 58.1 60.3 59.5 (58.5, 60.6) -0.7 (-2.2, 0.8)

Some College 68.3 71.1 71.6 (70.5, 72.6) 0.5 (-1.1, 2.0)

College Degree 85.1 86.8 85.7 (85.1, 86.3) -1.1* (-2.0, -0.2)

Age Group

15 to 24 Years 55.3 58.9 61.3 (58.4, 64.0) 2.3 (-1.4, 6.0)

25 to 34 Years 67.4 70.7 70.8 (69.5, 72.2) 0.2 (-1.7, 2.0)

35 to 44 Years 68.1 72.1 73.1 (71.9, 74.2) 1.0 (-0.5, 2.5)

45 to 54 Years 69.6 73.0 72.3 (71.0, 73.5) -0.7 (-2.5, 1.0)

55 to 64 Years 69.4 72.4 70.3 (69.0, 71.7) -2.0* (-3.9, -0.2)

65 Years or More 70.5 71.6 73.0 (72.0, 73.9) 1.3* (0.1, 2.6)

Race/Ethnicity

Black 47.1 51.0 48.8 (47.1, 50.5) -2.2 (-4.6, 0.2)

Hispanic 54.0 57.6 59.5 (57.7, 61.3) 2.0 (-0.4, 4.4)

Asian 80.2 82.9 81.6 (79.4, 83.5) -1.3 (-4.0, 1.4)

American Indian or Alaska Native 41.0 52.1 50.4 (43.1, 57.7) -1.7 (-11.2, 7.9)

Native Hawaiian or Other Pacific 

Islander 67.4 NA NA NA NA NA

White 75.1 77.5 78.1 (77.4, 78.8) 0.6 (-0.4, 1.5)

Two or More Races 62.5 68.0 72.7 (67.8, 77.1) 4.7 (-1.3, 10.8)

Disability Status

Disabled, Aged 25 to 64 43.3 47.5 47.4 (45.2, 49.6) -0.1 (-2.7, 2.5)

Not Disabled, Aged 25 to 64 72.3 75.3 74.9 (74.2, 75.6) -0.4 (-1.4, 0.5)

Not Applicable (Not Aged 25 to 64) 67.9 69.7 71.3 (70.4, 72.3) 1.7* (0.4, 2.9)

F.7 Ownership of Credit Cards by Bank Account Ownership and Household Characteristics, 

2017–2021

All Households, Row Percent
2021 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES | 73

F.7 Ownership of Credit Cards by Bank Account Ownership and Household Characteristics, 

2017–2021 (continued)

All Households, Row Percent

Characteristics 2017 2019 2021

90% 

Confidence 

Interval, 2021

Difference 

(2021–2019)

90% 

Confidence 

Interval, 

Difference

Employment Status

Employed 73.1 76.2 76.6 (75.9, 77.2) 0.4 (-0.6, 1.3)

Unemployed 51.3 58.7 59.0 (55.7, 62.1) 0.2 (-4.7, 5.2)

Not in Labor Force 61.8 63.6 64.3 (63.3, 65.3) 0.7 (-0.5, 2.0)

Homeownership

Homeowner 77.9 80.1 79.4 (78.7, 80.0) -0.7 (-1.6, 0.2)

Non-Homeowner 52.0 55.4 56.9 (55.9, 58.0) 1.5* (0.1, 2.9)

Household Type

Married Couple 78.2 80.8 80.5 (79.8, 81.2) -0.3 (-1.3, 0.6)

Unmarried Female-Householder 

Family 51.8 56.2 57.1 (55.4, 58.8) 0.9 (-1.3, 3.2)

Unmarried Male-Householder Family 58.2 62.5 63.7 (61.4, 66.0) 1.3 (-2.1, 4.6)

Female-Householder Nonfamily 63.2 67.1 66.7 (65.4, 67.9) -0.4 (-2.1, 1.3)

Male-Householder Nonfamily 61.7 63.7 65.5 (64.1, 66.9) 1.8* (0.0, 3.6)

Other NA NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 69.5 72.4 72.4 (71.7, 73.0) 0.0 (-0.9, 0.9)

Foreign-Born Citizen 70.5 70.0 71.9 (69.9, 73.8) 1.9 (-0.7, 4.4)

Foreign-Born Noncitizen 52.9 58.9 59.2 (56.9, 61.5) 0.4 (-2.8, 3.5)

Metropolitan and Nonmetropolitan 

Status

Metropolitan Area 69.9 72.8 72.8 (72.1, 73.4) 0.0 (-0.9, 0.8)

Not in Metropolitan Area 59.6 62.2 64.0 (61.9, 66.0) 1.8 (-0.6, 4.1)

Not Identified 61.5 58.9 61.4 (54.8, 67.7) 2.5 (-9.0, 14.0)

Geographic Region

Northeast 73.2 75.3 74.2 (72.8, 75.5) -1.1 (-2.8, 0.6)

Midwest 70.1 73.9 74.4 (73.3, 75.4) 0.5 (-1.1, 2.1)

South 62.6 65.9 66.4 (65.3, 67.5) 0.5 (-0.9, 2.0)

West 72.9 75.0 75.5 (74.4, 76.6) 0.5 (-1.1, 2.1)

The credit product in this table is Visa, MasterCard, American Express, or Discover credit cards (i.e., credit cards). The 2017 estimates 

published in this table may differ from the 2017 estimates published in previous reports because the 2021 report addresses item 

nonresponse in the 2017 data through imputation, while previous reports addressed item nonresponse in the 2017 data in other ways; 

see Appendix 1 (FDIC Technical Notes) for details. Asterisk indicates differences that are statistically significant at the 10 percent level. 

NA indicates that the sample size is too small to produce a precise estimate. 
74 | APPENDIX TABLES | 2021 FDIC National Survey of Unbanked and Underbanked Households

Characteristics 2019 2021

90% 

Confidence 

Interval, 2021

Difference 

(2021–2019)

90% 

Confidence 

Interval, 

Difference

All 10.8 8.0 (7.7, 8.3) -2.8* (-3.3, -2.3)

Bank Account Ownership

Unbanked 1.0 0.8 (0.4, 1.5) -0.2 (-0.9, 0.6)

Banked 11.3 8.3 (8.0, 8.6) -3.0* (-3.5, -2.5)

Family Income

Less Than $15,000 4.1 2.7 (2.1, 3.4) -1.4* (-2.3, -0.6)

$15,000 to $30,000 6.4 4.1 (3.5, 4.7) -2.3* (-3.3, -1.3)

$30,000 to $50,000 9.2 6.5 (5.9, 7.1) -2.7* (-3.6, -1.8)

$50,000 to $75,000 12.1 8.8 (8.0, 9.5) -3.4* (-4.5, -2.3)

At Least $75,000 14.5 10.9 (10.3, 11.5) -3.6* (-4.5, -2.7)

Education

No High School Diploma 6.1 4.1 (3.4, 5.0) -2.0* (-3.2, -0.9)

High School Diploma 9.1 6.7 (6.2, 7.3) -2.4* (-3.2, -1.5)

Some College 11.3 8.3 (7.7, 8.8) -3.0* (-3.9, -2.1)

College Degree 12.6 9.3 (8.8, 9.8) -3.3* (-4.1, -2.5)

Age Group

15 to 24 Years 9.9 6.8 (5.5, 8.4) -3.1* (-5.2, -1.0)

25 to 34 Years 11.7 9.1 (8.3, 10.0) -2.6* (-3.9, -1.4)

35 to 44 Years 11.4 8.8 (8.1, 9.6) -2.6* (-3.7, -1.5)

45 to 54 Years 12.7 9.2 (8.4, 10.0) -3.5* (-4.8, -2.3)

55 to 64 Years 11.6 8.3 (7.7, 9.1) -3.2* (-4.3, -2.2)

65 Years or More 8.2 5.9 (5.5, 6.4) -2.2* (-2.9, -1.6)

Race/Ethnicity

Black 7.5 5.9 (5.2, 6.7) -1.5* (-2.7, -0.4)

Hispanic 8.3 6.1 (5.3, 7.0) -2.2* (-3.3, -1.1)

Asian 9.7 7.9 (6.6, 9.5) -1.8 (-3.8, 0.3)

American Indian or Alaska Native 16.8 10.3 (7.0, 14.9) -6.5* (-12.1, -0.9)

Native Hawaiian or Other Pacific 

Islander NA NA NA NA NA

White 11.9 8.7 (8.4, 9.1) -3.2* (-3.8, -2.6)

Two or More Races 13.1 8.5 (6.2, 11.5) -4.6* (-8.9, -0.3)

Disability Status

Disabled, Aged 25 to 64 9.3 6.9 (6.0, 8.0) -2.4* (-3.8, -1.0)

Not Disabled, Aged 25 to 64 12.2 9.1 (8.7, 9.5) -3.1* (-3.8, -2.4)

Not Applicable (Not Aged 25 to 64) 8.4 6.0 (5.6, 6.5) -2.4* (-3.0, -1.7)

F.8 Use of Bank Personal Loans by Bank Account Ownership and Household Characteristics, 

2019–2021

All Households, Row Percent
2021 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES | 75

F.8 Use of Bank Personal Loans by Bank Account Ownership and Household Characteristics, 

2019–2021 (continued)

All Households, Row Percent

Characteristics 2019 2021

90% 

Confidence 

Interval, 2021

Difference 

(2021–2019)

90% 

Confidence 

Interval, 

Difference

Employment Status

Employed 12.6 9.8 (9.4, 10.2) -2.8* (-3.4, -2.1)

Unemployed 10.4 5.5 (4.3, 7.0) -4.9* (-7.3, -2.4)

Not in Labor Force 7.7 5.1 (4.7, 5.5) -2.6* (-3.2, -2.0)

Homeownership

Homeowner 12.6 9.3 (9.0, 9.7) -3.3* (-3.9, -2.6)

Non-Homeowner 7.5 5.4 (5.0, 5.9) -2.1* (-2.7, -1.4)

Household Type

Married Couple 12.9 9.8 (9.3, 10.3) -3.1* (-3.9, -2.3)

Unmarried Female-Householder 

Family 9.4 6.2 (5.3, 7.2) -3.2* (-4.6, -1.9)

Unmarried Male-Householder Family 11.4 8.0 (6.8, 9.4) -3.4* (-5.4, -1.4)

Female-Householder Nonfamily 7.6 5.3 (4.7, 5.8) -2.4* (-3.2, -1.6)

Male-Householder Nonfamily 9.4 7.2 (6.5, 8.0) -2.2* (-3.2, -1.1)

Other NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 11.2 8.2 (7.9, 8.5) -3.0* (-3.5, -2.5)

Foreign-Born Citizen 8.7 6.7 (5.8, 7.8) -2.0* (-3.5, -0.5)

Foreign-Born Noncitizen 7.7 6.6 (5.5, 8.0) -1.1 (-2.9, 0.8)

Metropolitan and Nonmetropolitan 

Status

Metropolitan Area 10.6 7.9 (7.5, 8.2) -2.8* (-3.3, -2.3)

Not in Metropolitan Area 11.5 8.5 (7.7, 9.4) -3.0* (-4.2, -1.8)

Not Identified 14.7 11.1 (8.7, 14.1) -3.5 (-8.0, 0.9)

Geographic Region

Northeast 10.8 8.5 (7.8, 9.4) -2.2* (-3.5, -0.9)

Midwest 12.3 8.9 (8.2, 9.6) -3.4* (-4.6, -2.1)

South 10.1 7.1 (6.7, 7.5) -3.0* (-3.6, -2.3)

West 10.7 8.1 (7.5, 8.8) -2.5* (-3.4, -1.6)

The credit product in this table is personal loans or lines of credit from a bank (i.e., bank personal loans). Asterisk indicates differences 

that are statistically significant at the 10 percent level. NA indicates that the sample size is too small to produce a precise estimate.
76 | APPENDIX TABLES | 2021 FDIC National Survey of Unbanked and Underbanked Households

Characteristics 2017 2019 2021

90% 

Confidence 

Interval, 2021

Difference 

(2021–2019)

90% 

Confidence 

Interval, 

Difference

All 7.4 4.8 4.4 (4.2, 4.7) -0.4* (-0.8, 0.0)

Bank Account Ownership

Unbanked 14.2 13.4 9.5 (8.0, 11.3) -3.9* (-6.0, -1.7)

Banked 6.9 4.3 4.2 (4.0, 4.4) -0.2 (-0.5, 0.2)

Family Income

Less Than $15,000 10.1 7.9 7.0 (6.1, 7.9) -1.0 (-2.3, 0.3)

$15,000 to $30,000 9.9 6.7 6.9 (6.2, 7.7) 0.2 (-0.8, 1.2)

$30,000 to $50,000 9.1 6.8 6.1 (5.5, 6.7) -0.7 (-1.6, 0.2)

$50,000 to $75,000 7.4 4.7 4.3 (3.8, 4.8) -0.4 (-1.1, 0.2)

At Least $75,000 4.3 2.3 2.3 (2.0, 2.6) 0.0 (-0.4, 0.3)

Education

No High School Diploma 10.1 9.0 7.8 (6.7, 8.9) -1.2 (-2.8, 0.4)

High School Diploma 8.6 6.0 5.9 (5.3, 6.6) -0.1 (-0.9, 0.7)

Some College 9.0 5.6 5.2 (4.7, 5.7) -0.4 (-1.1, 0.3)

College Degree 4.5 2.4 2.3 (2.0, 2.6) -0.2 (-0.6, 0.2)

Age Group

15 to 24 Years 13.1 6.8 6.8 (5.4, 8.6) 0.0 (-2.0, 2.1)

25 to 34 Years 10.1 6.9 7.0 (6.2, 7.8) 0.0 (-1.1, 1.2)

35 to 44 Years 9.3 6.1 5.3 (4.7, 6.0) -0.8 (-1.7, 0.1)

45 to 54 Years 7.9 5.5 5.0 (4.4, 5.7) -0.5 (-1.4, 0.4)

55 to 64 Years 6.2 4.3 3.7 (3.3, 4.2) -0.6 (-1.3, 0.1)

65 Years or More 3.6 2.2 2.1 (1.8, 2.4) -0.2 (-0.6, 0.2)

Race/Ethnicity

Black 12.7 8.8 7.6 (6.8, 8.6) -1.2 (-2.5, 0.1)

Hispanic 9.0 7.5 6.4 (5.8, 7.1) -1.0* (-2.1, 0.0)

Asian 5.5 2.5 2.2 (1.6, 3.0) -0.3 (-1.4, 0.8)

American Indian or Alaska Native 16.8 9.2 10.5 (7.4, 14.8) 1.3 (-3.2, 5.8)

Native Hawaiian or Other Pacific 

Islander 7.5 NA NA NA NA NA

White 6.0 3.6 3.3 (3.1, 3.6) -0.3 (-0.6, 0.1)

Two or More Races 11.6 5.4 8.2 (5.6, 11.7) 2.8 (-0.7, 6.3)

Disability Status

Disabled, Aged 25 to 64 13.1 10.6 7.9 (6.9, 9.0) -2.7* (-4.2, -1.2)

Not Disabled, Aged 25 to 64 7.6 5.0 4.8 (4.5, 5.2) -0.2 (-0.7, 0.3)

Not Applicable (Not Aged 25 to 64) 5.2 2.9 2.7 (2.4, 3.1) -0.2 (-0.7, 0.3)

F.9 Use of a Rent-to-Own Service or a Payday, Pawn Shop, Tax Refund Anticipation, or Auto Title 

Loan by Bank Account Ownership and Household Characteristics, 2017–2021

All Households, Row Percent
2021 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES | 77

F.9 Use of a Rent-to-Own Service or a Payday, Pawn Shop, Tax Refund Anticipation, or Auto Title 

Loan by Bank Account Ownership and Household Characteristics, 2017–2021 (continued)

All Households, Row Percent

Characteristics 2017 2019 2021

90% 

Confidence 

Interval, 2021

Difference 

(2021–2019)

90% 

Confidence 

Interval, 

Difference

Employment Status

Employed 7.9 4.9 4.6 (4.3, 4.9) -0.3 (-0.8, 0.2)

Unemployed 11.3 8.4 8.0 (6.5, 9.8) -0.4 (-3.0, 2.2)

Not in Labor Force 6.1 4.5 3.8 (3.4, 4.1) -0.7* (-1.2, -0.2)

Homeownership

Homeowner 5.2 3.0 2.9 (2.7, 3.2) -0.1 (-0.4, 0.2)

Non-Homeowner 11.2 8.1 7.2 (6.7, 7.7) -0.9* (-1.7, -0.2)

Household Type

Married Couple 6.0 3.6 3.3 (3.1, 3.6) -0.3 (-0.6, 0.1)

Unmarried Female-Householder 

Family 13.0 9.2 8.6 (7.6, 9.6) -0.7 (-2.0, 0.7)

Unmarried Male-Householder Family 10.6 7.5 8.3 (7.1, 9.8) 0.8 (-1.0, 2.6)

Female-Householder Nonfamily 6.5 4.2 3.2 (2.8, 3.6) -1.1* (-1.7, -0.4)

Male-Householder Nonfamily 7.5 5.0 4.6 (4.0, 5.3) -0.3 (-1.2, 0.5)

Other NA NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 7.5 4.9 4.4 (4.2, 4.7) -0.4* (-0.8, 0.0)

Foreign-Born Citizen 5.5 3.5 3.0 (2.4, 3.7) -0.5 (-1.5, 0.5)

Foreign-Born Noncitizen 8.2 6.1 6.0 (5.1, 7.2) -0.1 (-1.7, 1.6)

Metropolitan and Nonmetropolitan 

Status

Metropolitan Area 7.1 4.6 4.3 (4.0, 4.5) -0.3 (-0.6, 0.0)

Not in Metropolitan Area 8.6 6.3 5.2 (4.5, 6.0) -1.1* (-2.1, -0.1)

Not Identified 11.2 7.8 9.0 (4.6, 16.8) 1.2 (-4.8, 7.1)

Geographic Region

Northeast 5.1 2.6 3.6 (3.1, 4.3) 1.0* (0.3, 1.7)

Midwest 7.3 5.0 4.2 (3.7, 4.7) -0.8 (-1.5, 0.0)

South 8.7 6.3 5.6 (5.2, 6.1) -0.7* (-1.3, 0.0)

West 7.0 3.9 3.2 (2.8, 3.6) -0.7* (-1.2, -0.2)

The 2017 estimates published in this table may differ from the 2017 estimates published in previous reports because the 2021 report 

addresses item nonresponse in the 2017 data through imputation, while previous reports addressed item nonresponse in the 2017 data 

in other ways; see Appendix 1 (FDIC Technical Notes) for details. Asterisk indicates differences that are statistically significant at the 10 

percent level. NA indicates that the sample size is too small to produce a precise estimate.
78 | APPENDIX TABLES | 2021 FDIC National Survey of Unbanked and Underbanked Households

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households $1,000 or Less More Than $1,000

All 10,556 100.0 15.8 84.2

Bank Account Ownership

Unbanked NA NA NA NA

Banked 10,508 100.0 15.6 84.4

Family Income

Less Than $15,000 NA NA NA NA

$15,000 to $30,000 729 100.0 30.0 70.0

$30,000 to $50,000 1,594 100.0 20.7 79.3

$50,000 to $75,000 2,151 100.0 17.5 82.5

At Least $75,000 5,746 100.0 11.1 88.9

Education

No High School Diploma NA NA NA NA

High School Diploma 2,165 100.0 21.0 79.0

Some College 3,046 100.0 19.6 80.4

College Degree 4,915 100.0 11.0 89.0

Age Group

15 to 24 Years NA NA NA NA

25 to 34 Years 1,956 100.0 20.0 80.0

35 to 44 Years 1,996 100.0 16.8 83.2

45 to 54 Years 2,046 100.0 9.6 90.4

55 to 64 Years 2,049 100.0 14.2 85.8

65 Years or More 2,109 100.0 14.8 85.2

Race/Ethnicity

Black 1,002 100.0 23.2 76.8

Hispanic 1,180 100.0 22.4 77.6

Asian 559 100.0 9.4 90.6

American Indian or Alaska Native NA NA NA NA

Native Hawaiian or Other Pacific 

Islander NA NA NA NA

White 7,525 100.0 14.3 85.7

Two or More Races NA NA NA NA

Disability Status

Disabled, Aged 25 to 64 750 100.0 23.3 76.7

Not Disabled, Aged 25 to 64 7,296 100.0 14.2 85.8

Not Applicable (Not Aged 25 to 64) 2,509 100.0 18.0 82.0

Employment Status

Employed 7,866 100.0 15.5 84.5

Unemployed NA NA NA NA

Not in Labor Force 2,419 100.0 16.6 83.4

F.10 Amount of Most Recent Bank Personal Loan by Bank Account Ownership and Household 

Characteristics, 2021

Households That Had a Bank Personal Loan in the Past 12 Months, Row Percent
2021 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES | 79

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households $1,000 or Less More Than $1,000

Homeownership

Homeowner 8,036 100.0 12.2 87.8

Non-Homeowner 2,519 100.0 27.1 72.9

Household Type

Married Couple 5,983 100.0 12.5 87.5

Unmarried Female-Householder 

Family 981 100.0 19.1 80.9

Unmarried Male-Householder Family 563 100.0 22.0 78.0

Female-Householder Nonfamily 1,335 100.0 20.7 79.3

Male-Householder Nonfamily 1,679 100.0 19.7 80.3

Other NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 9,245 100.0 16.0 84.0

Foreign-Born Citizen 768 100.0 7.1 92.9

Foreign-Born Noncitizen NA NA NA NA

Metropolitan and Nonmetropolitan 

Status

Metropolitan Area 8,942 100.0 15.7 84.3

Not in Metropolitan Area 1,499 100.0 16.8 83.2

Not Identified NA NA NA NA

Geographic Region

Northeast 1,927 100.0 14.4 85.6

Midwest 2,507 100.0 16.3 83.7

South 3,643 100.0 16.8 83.2

West 2,479 100.0 14.9 85.1

Loan amounts are for personal loans or lines of credit from a bank (i.e., bank personal loans). NA indicates that the sample size is too 

small to produce a precise estimate.

F.10 Amount of Most Recent Bank Personal Loan by Bank Account Ownership and Household 

Characteristics, 2021 (continued)

Households That Had a Bank Personal Loan in the Past 12 Months, Row Percent
80 | APPENDIX TABLES | 2021 FDIC National Survey of Unbanked and Underbanked Households

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households $1,000 or Less More Than $1,000

All 3,688 100.0 22.6 77.4

Bank Account Ownership

Unbanked NA NA NA NA

Banked 3,629 100.0 22.2 77.8

Family Income

Less Than $15,000 NA NA NA NA

$15,000 to $30,000 NA NA NA NA

$30,000 to $50,000 678 100.0 30.2 69.8

$50,000 to $75,000 777 100.0 22.7 77.3

At Least $75,000 1,584 100.0 10.7 89.3

Education

No High School Diploma NA NA NA NA

High School Diploma 821 100.0 34.8 65.2

Some College 1,236 100.0 27.3 72.7

College Degree 1,388 100.0 11.5 88.5

Age Group

15 to 24 Years NA NA NA NA

25 to 34 Years 767 100.0 27.9 72.1

35 to 44 Years 727 100.0 25.7 74.3

45 to 54 Years 660 100.0 15.1 84.9

55 to 64 Years 698 100.0 18.0 82.0

65 Years or More 616 100.0 19.4 80.6

Race/Ethnicity

Black NA NA NA NA

Hispanic NA NA NA NA

Asian NA NA NA NA

American Indian or Alaska Native NA NA NA NA

Native Hawaiian or Other Pacific 

Islander NA NA NA NA

White 2,313 100.0 19.7 80.3

Two or More Races NA NA NA NA

Disability Status

Disabled, Aged 25 to 64 NA NA NA NA

Not Disabled, Aged 25 to 64 2,475 100.0 21.1 78.9

Not Applicable (Not Aged 25 to 64) 837 100.0 24.9 75.1

Employment Status

Employed 2,558 100.0 21.1 78.9

Unemployed NA NA NA NA

Not in Labor Force 1,001 100.0 25.7 74.3

F.11 Amount of Most Recent Nonbank Personal Loan by Bank Account Ownership and Household 

Characteristics, 2021

Households That Had a Nonbank Personal Loan in the Past 12 Months, Row Percent
2021 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES | 81

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households $1,000 or Less More Than $1,000

Homeownership

Homeowner 2,297 100.0 14.6 85.4

Non-Homeowner 1,391 100.0 35.9 64.1

Household Type

Married Couple 1,670 100.0 17.9 82.1

Unmarried Female-Householder 

Family 536 100.0 28.8 71.2

Unmarried Male-Householder Family NA NA NA NA

Female-Householder Nonfamily 638 100.0 27.4 72.6

Male-Householder Nonfamily 607 100.0 19.2 80.8

Other NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 3,280 100.0 22.8 77.2

Foreign-Born Citizen NA NA NA NA

Foreign-Born Noncitizen NA NA NA NA

Metropolitan and Nonmetropolitan 

Status

Metropolitan Area 3,102 100.0 21.4 78.6

Not in Metropolitan Area 550 100.0 29.1 70.9

Not Identified NA NA NA NA

Geographic Region

Northeast NA NA NA NA

Midwest 784 100.0 19.2 80.8

South 1,608 100.0 29.8 70.2

West 914 100.0 16.0 84.0

Loan amounts are for personal loans or lines of credit from a company other than a bank (i.e., nonbank personal loans). NA indicates 

that the sample size is too small to produce a precise estimate.

F.11 Amount of Most Recent Nonbank Personal Loan by Bank Account Ownership and Household 

Characteristics, 2021 (continued)

Households That Had a Nonbank Personal Loan in the Past 12 Months, Row Percent
82 | APPENDIX TABLES | 2021 FDIC National Survey of Unbanked and Underbanked Households

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households Underbanked Fully Banked Unbanked

All 132,517 100.0 14.1 81.5 4.5

Family Income

Less Than $15,000 12,547 100.0 19.2 61.0 19.8

$15,000 to $30,000 17,889 100.0 18.9 71.9 9.2

$30,000 to $50,000 24,617 100.0 17.3 78.7 4.0

$50,000 to $75,000 24,563 100.0 14.0 83.9 2.1

At Least $75,000 52,900 100.0 9.7 89.7 0.6

Education

No High School Diploma 10,492 100.0 24.1 56.7 19.2

High School Diploma 32,235 100.0 16.7 76.5 6.8

Some College 36,886 100.0 14.9 81.8 3.3

College Degree 52,904 100.0 9.9 89.2 0.9

Age Group

15 to 24 Years 5,881 100.0 21.9 72.2 5.8

25 to 34 Years 21,513 100.0 17.7 77.3 5.1

35 to 44 Years 22,665 100.0 16.9 77.9 5.1

45 to 54 Years 22,249 100.0 14.5 80.3 5.2

55 to 64 Years 24,582 100.0 13.4 81.9 4.8

65 Years or More 35,627 100.0 9.1 88.2 2.7

Race/Ethnicity

Black 16,933 100.0 24.7 64.0 11.3

Hispanic 19,368 100.0 24.1 66.7 9.3

Asian 7,043 100.0 16.5 80.5 2.9

American Indian or Alaska Native 958 100.0 25.1 68.0 6.9

Native Hawaiian or Other Pacific 

Islander NA NA NA NA NA

White 86,037 100.0 9.3 88.6 2.1

Two or More Races 1,838 100.0 20.6 74.4 5.0

Disability Status

Disabled, Aged 25 to 64 10,874 100.0 20.5 64.7 14.8

Not Disabled, Aged 25 to 64 80,136 100.0 14.9 81.4 3.7

Not Applicable (Not Aged 25 to 64) 41,507 100.0 10.9 86.0 3.2

Employment Status

Employed 80,133 100.0 15.1 82.3 2.6

Unemployed 4,903 100.0 20.7 67.5 11.8

Not in Labor Force 47,481 100.0 11.7 81.5 6.8

G.1 Underbanked, Fully Banked, and Unbanked Rates by Household Characteristics, 2021

All Households, Row Percent
2021 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES | 83

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households Underbanked Fully Banked Unbanked

Homeownership

Homeowner 86,172 100.0 10.0 88.3 1.8

Non-Homeowner 46,345 100.0 21.8 68.8 9.4

Household Type

Married Couple 60,985 100.0 12.3 85.9 1.8

Unmarried Female-Householder 

Family 15,800 100.0 21.0 69.9 9.2

Unmarried Male-Householder Family 7,032 100.0 20.2 72.4 7.4

Female-Householder Nonfamily 25,338 100.0 11.7 83.4 4.9

Male-Householder Nonfamily 23,191 100.0 15.0 78.3 6.7

Other NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 112,868 100.0 12.3 83.8 4.0

Foreign-Born Citizen 11,453 100.0 19.5 75.9 4.6

Foreign-Born Noncitizen 8,197 100.0 31.3 57.7 11.0

Metropolitan and Nonmetropolitan 

Status

Metropolitan Area 113,835 100.0 14.1 81.7 4.2

Not in Metropolitan Area 17,645 100.0 13.5 80.3 6.2

Not Identified 1,037 100.0 19.6 74.2 6.2

Geographic Region

Northeast 22,569 100.0 13.1 82.8 4.1

Midwest 28,167 100.0 11.5 84.3 4.2

South 51,356 100.0 16.3 78.8 4.9

West 30,425 100.0 13.4 82.4 4.2

The underbanked definition is based on the following products: nonbank transactions (money orders, check cashing, and international 

remittances) and nonbank credit (rent-to-own services and payday, pawn shop, tax refund anticipation, and auto title loans). 

Underbanked and fully banked rates in 2021 are not directly comparable to underbanked and fully banked rates in previous years 

because of changes to the questions on international remittances. NA indicates that the sample size is too small to produce a precise 

estimate.

G.1 Underbanked, Fully Banked, and Unbanked Rates by Household Characteristics, 2021 (continued)

All Households, Row Percent
84 | APPENDIX TABLES | 2021 FDIC National Survey of Unbanked and Underbanked Households

Geography

Number of 

Households 

(1000s)

Percent of 

Households Underbanked Fully Banked Unbanked

All 132,517 100.0 14.1 81.5 4.5

State

AL 2,045 100.0 13.3 82.0 4.7

AK 285 100.0 12.4 82.8 4.8

AZ 2,945 100.0 14.5 81.9 3.6

AR 1,278 100.0 15.9 80.7 3.4

CA 14,619 100.0 13.9 81.1 5.0

CO 2,551 100.0 9.0 85.0 6.0

CT 1,497 100.0 15.6 80.0 4.4

DE 414 100.0 20.7 77.2 2.0

DC 358 100.0 13.1 82.4 4.5

FL 9,057 100.0 17.9 78.4 3.7

GA 4,318 100.0 17.3 76.0 6.7

HI 486 100.0 14.7 83.8 1.5

ID 754 100.0 13.3 83.6 3.0

IL 4,887 100.0 10.1 85.5 4.4

IN 2,756 100.0 12.1 82.3 5.6

IA 1,298 100.0 10.1 87.0 3.0

KS 1,150 100.0 16.3 79.9 3.8

KY 1,776 100.0 16.1 78.7 5.2

LA 1,876 100.0 20.2 71.6 8.1

ME 575 100.0 11.4 87.3 1.3

MD 2,355 100.0 15.7 79.2 5.0

MA 2,811 100.0 10.0 86.5 3.6

MI 4,157 100.0 12.7 81.8 5.4

MN 2,399 100.0 7.7 89.9 2.4

MS 1,195 100.0 21.4 67.5 11.1

MO 2,603 100.0 12.4 80.2 7.4

MT 457 100.0 11.5 85.5 3.0

NE 779 100.0 13.8 83.2 3.0

NV 1,254 100.0 17.8 76.6 5.6

NH 556 100.0 11.1 87.5 1.4

NJ 3,422 100.0 15.7 80.8 3.5

NM 885 100.0 16.7 76.3 7.0

NY 7,669 100.0 12.9 81.2 5.9

NC 4,472 100.0 13.9 82.8 3.3

ND 351 100.0 9.5 87.4 3.2

OH 4,870 100.0 13.4 83.2 3.5

OK 1,635 100.0 20.5 74.1 5.4

G.2 Underbanked, Fully Banked, and Unbanked Rates by State, 2021

All Households, Row Percent
2021 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES | 85

Geography

Number of 

Households 

(1000s)

Percent of 

Households Underbanked Fully Banked Unbanked

OR 1,747 100.0 11.2 87.2 1.6

PA 5,292 100.0 13.6 83.8 2.6

RI 473 100.0 12.4 84.1 3.5

SC 2,228 100.0 16.1 78.3 5.5

SD 389 100.0 12.8 83.5 3.7

TN 2,893 100.0 13.3 81.6 5.0

TX 11,225 100.0 18.4 76.1 5.6

UT 1,155 100.0 11.2 87.6 1.2

VT 273 100.0 7.3 90.2 2.5

VA 3,460 100.0 7.8 90.5 1.8

WA 3,036 100.0 12.8 85.2 2.1

WV 770 100.0 12.4 84.6 3.0

WI 2,528 100.0 8.5 89.5 2.1

WY 251 100.0 13.4 85.3 1.3

The underbanked definition is based on the following products: nonbank transactions (money orders, check cashing, and international 

remittances) and nonbank credit (rent-to-own services and payday, pawn shop, tax refund anticipation, and auto title loans). 

Underbanked and fully banked rates in 2021 are not directly comparable to underbanked and fully banked rates in previous years 

because of changes to the questions on international remittances.

G.2 Underbanked, Fully Banked, and Unbanked Rates by State, 2021 (continued)

All Households, Row Percent
86 | APPENDIX TABLES | 2021 FDIC National Survey of Unbanked and Underbanked Households

Geography

Number of 

Households 

(1000s)

Percent of 

Households Underbanked Fully Banked Unbanked

All 132,517 100.0 14.1 81.5 4.5

MSA

Albuquerque, NM 418 100.0 12.9 81.8 5.3

Atlanta-Sandy Springs-Roswell, GA~ 2,482 100.0 17.7 79.9 2.4

Austin-Round Rock, TX 813 100.0 16.2 83.0 0.8

Baltimore-Columbia-Towson, MD 1,080 100.0 12.2 82.0 5.9

Baton Rouge, LA 356 100.0 16.3 78.1 5.6

Birmingham-Hoover, AL 558 100.0 13.4 81.8 4.8

Boise City, ID 299 100.0 12.1 85.3 2.6

Boston-Cambridge-Newton, MA-NH~ 2,039 100.0 9.3 88.6 2.1

Burlington-South Burlington, VT~ 79 100.0 3.4 95.0 1.5

Charlotte-Concord-Gastonia, NC-SC~ 1,170 100.0 15.0 82.8 2.2

Chicago-Naperville-Elgin, IL-IN-WI 3,573 100.0 10.8 83.8 5.4

Cincinnati, OH-KY-IN~ 763 100.0 10.1 85.9 4.0

Cleveland-Elyria, OH 990 100.0 12.3 85.7 2.0

Columbus, OH~ 886 100.0 16.2 81.8 2.0

Dallas-Fort Worth-Arlington, TX~ 2,955 100.0 19.9 77.6 2.5

Denver-Aurora-Lakewood, CO 1,307 100.0 12.5 81.6 5.9

Detroit-Warren-Dearborn, MI 1,868 100.0 12.9 79.5 7.6

Fargo, ND-MN 95 100.0 9.8 86.6 3.6

Fayetteville-Springdale-Rogers, AR-MO 252 100.0 14.8 81.7 3.5

Houston-The Woodlands-Sugar Land, TX~ 2,876 100.0 17.4 74.5 8.1

Indianapolis-Carmel-Anderson, IN~ 854 100.0 10.4 81.8 7.8

Jackson, MS~ 261 100.0 18.1 72.9 9.1

Kansas City, MO-KS~ 913 100.0 14.0 79.6 6.4

Knoxville, TN~ 404 100.0 12.7 86.3 1.0

Las Vegas-Henderson-Paradise, NV 1,009 100.0 18.6 76.2 5.2

Little Rock-North Little Rock-Conway, AR 341 100.0 17.2 80.0 2.8

Los Angeles-Long Beach-Anaheim, CA 4,580 100.0 16.1 79.8 4.2

Louisville/Jefferson County, KY-IN~ 600 100.0 12.4 84.1 3.5

Manchester-Nashua, NH~ 174 100.0 9.5 89.3 1.2

Memphis, TN-MS-AR~ 503 100.0 31.2 59.4 9.4

Miami-Fort Lauderdale-West Palm Beach, FL 2,683 100.0 22.2 74.7 3.2

Milwaukee-Waukesha-West Allis, WI 695 100.0 9.9 88.7 1.5

Minneapolis-St. Paul-Bloomington, MN-WI~ 1,618 100.0 7.0 90.8 2.2

Nashville-Davidson-Murfreesboro-Franklin, TN~ 844 100.0 10.8 85.4 3.8

New Orleans-Metairie, LA~ 488 100.0 19.8 73.6 6.6

New York-Newark-Jersey City, NY-NJ-PA~ 7,790 100.0 14.7 79.8 5.6

Oklahoma City, OK 716 100.0 19.5 75.0 5.5

G.3 Underbanked, Fully Banked, and Unbanked Rates by MSA, 2021

All Households, Row Percent
2021 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES | 87

Geography

Number of 

Households 

(1000s)

Percent of 

Households Underbanked Fully Banked Unbanked

Omaha-Council Bluffs, NE-IA 379 100.0 12.0 85.4 2.6

Orlando-Kissimmee-Sanford, FL 1,157 100.0 15.8 82.7 1.5

Philadelphia-Camden-Wilmington, PA-NJ-DE-MD 2,448 100.0 11.6 85.6 2.8

Phoenix-Mesa-Scottsdale, AZ 1,948 100.0 12.6 83.0 4.3

Pittsburgh, PA 1,089 100.0 13.5 84.9 1.6

Portland-South Portland, ME~ 205 100.0 9.5 89.6 0.9

Portland-Vancouver-Hillsboro, OR-WA 1,044 100.0 13.8 84.6 1.7

Providence-Warwick, RI-MA~ 693 100.0 15.3 77.5 7.3

Riverside-San Bernardino-Ontario, CA 1,624 100.0 13.7 81.1 5.2

Sacramento-Roseville-Arden-Arcade, CA 914 100.0 10.9 86.8 2.3

St. Louis, MO-IL~ 1,268 100.0 9.4 85.8 4.9

Salisbury, MD-DE~ 246 100.0 16.6 79.2 4.2

Salt Lake City, UT~ 498 100.0 12.2 86.7 1.2

San Antonio-New Braunfels, TX 1,204 100.0 21.0 74.5 4.5

San Diego-Carlsbad, CA 1,223 100.0 12.7 86.9 0.4

San Francisco-Oakland-Hayward, CA 1,893 100.0 8.9 87.1 4.0

San Jose-Sunnyvale-Santa Clara, CA 835 100.0 10.7 76.1 13.2

Seattle-Tacoma-Bellevue, WA 1,663 100.0 8.9 91.1 –

Sioux Falls, SD 127 100.0 13.0 86.3 0.6

Tampa-St. Petersburg-Clearwater, FL 1,251 100.0 12.8 86.6 0.6

Urban Honolulu, HI 367 100.0 14.7 83.6 1.7

Virginia Beach-Norfolk-Newport News, VA-NC~ 671 100.0 12.5 87.5 –

Washington-Arlington-Alexandria, DC-VA-MD-WV~ 2,629 100.0 13.6 83.5 2.9

Wichita, KS~ 330 100.0 26.7 66.6 6.7

The underbanked definition is based on the following products: nonbank transactions (money orders, check cashing, and international 

remittances) and nonbank credit (rent-to-own services and payday, pawn shop, tax refund anticipation, and auto title loans). 

Underbanked and fully banked rates in 2021 are not directly comparable to underbanked and fully banked rates in previous years 

because of changes to the questions on international remittances. The tilde symbol indicates areas with geographic boundary changes 

between the 2013 and 2015 surveys; see Appendix 1 (FDIC Technical Notes) for details. The dash symbol indicates an estimate of zero; 

the population proportion may be slightly greater than zero.

G.3 Underbanked, Fully Banked, and Unbanked Rates by MSA, 2021 (continued)

All Households, Row Percent
88 | APPENDIX TABLES | 2021 FDIC National Survey of Unbanked and Underbanked Households

Characteristics All Underbanked

Underbanked, 

Nonbank 

Transactions 

Only

Underbanked, 

Nonbank 

Credit Only

Underbanked, 

Nonbank 

Transactions 

and Credit

Fully 

Banked Unbanked

Number of Households (1000s) 132,517 18,662 13,370 3,368 1,924 107,949 5,907

Percent of Households 100.0 100.0 100.0 100.0 100.0 100.0 100.0

Family Income

Less Than $15,000 9.5 12.9 13.4 9.6 15.7 7.1 42.0

$15,000 to $30,000 13.5 18.2 17.5 18.3 22.8 11.9 27.7

$30,000 to $50,000 18.6 22.8 21.3 24.3 30.2 18.0 16.6

$50,000 to $75,000 18.5 18.5 18.2 20.4 17.5 19.1 8.5

At Least $75,000 39.9 27.6 29.7 27.5 13.8 43.9 5.1

Education

No High School Diploma 7.9 13.6 14.1 9.6 16.4 5.5 34.1

High School Diploma 24.3 28.9 27.5 29.9 36.8 22.8 37.1

Some College 27.8 29.5 27.8 33.2 34.9 28.0 20.3

College Degree 39.9 28.0 30.5 27.2 11.9 43.7 8.5

Age Group

15 to 24 Years 4.4 6.9 7.0 7.1 5.8 3.9 5.8

25 to 34 Years 16.2 20.4 18.4 22.8 30.0 15.4 18.5

35 to 44 Years 17.1 20.6 20.6 19.1 23.0 16.4 19.7

45 to 54 Years 16.8 17.3 16.6 20.2 16.6 16.5 19.8

55 to 64 Years 18.6 17.6 18.4 16.0 15.2 18.6 19.8

65 Years or More 26.9 17.3 19.0 14.9 9.5 29.1 16.4

Race/Ethnicity

Black 12.8 22.4 22.8 15.7 31.0 10.0 32.4

Hispanic 14.6 25.0 26.7 19.1 23.8 12.0 30.4

Asian 5.3 6.2 7.6 2.3 3.7 5.3 3.5

American Indian or Alaska Native 0.7 1.3 1.2 1.2 2.5 0.6 1.1

Native Hawaiian or Other Pacific 

Islander 0.3 0.3 0.2 0.4 0.7 0.2 0.4

White 64.9 42.8 39.7 59.7 34.3 70.6 30.6

Two or More Races 1.4 2.0 1.8 1.7 4.0 1.3 1.6

Disability Status

Disabled, Aged 25 to 64 8.2 11.9 11.3 11.8 16.5 6.5 27.3

Not Disabled, Aged 25 to 64 60.5 63.9 62.6 66.2 68.3 60.4 50.5

Not Applicable (Not Aged 25 to 64) 31.3 24.2 26.1 22.0 15.3 33.1 22.2

Employment Status

Employed 60.5 64.8 64.5 66.4 64.7 61.1 35.4

Unemployed 3.7 5.4 5.3 5.8 5.9 3.1 9.8

Not in Labor Force 35.8 29.7 30.2 27.8 29.3 35.9 54.8

G.4 Distributions of Household Characteristics Among Underbanked, Fully Banked, and Unbanked 

Households, 2021

All Households, Column Percent
2021 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES | 89

Characteristics All Underbanked

Underbanked, 

Nonbank 

Transactions 

Only

Underbanked, 

Nonbank 

Credit Only

Underbanked, 

Nonbank 

Transactions 

and Credit

Fully 

Banked Unbanked

Homeownership

Homeowner 65.0 46.0 46.4 53.4 29.9 70.5 26.1

Non-Homeowner 35.0 54.0 53.6 46.6 70.1 29.5 73.9

Household Type

Married Couple 46.0 40.2 41.5 40.2 31.0 48.5 18.4

Unmarried Female-Householder 

Family 11.9 17.7 15.9 19.0 28.6 10.2 24.6

Unmarried Male-Householder 

Family 5.3 7.6 6.8 9.7 9.5 4.7 8.8

Female-Householder Nonfamily 19.1 15.8 16.7 14.8 11.7 19.6 21.0

Male-Householder Nonfamily 17.5 18.6 19.1 16.2 19.3 16.8 26.4

Other 0.1 0.1 0.1 – – 0.1 0.9

Citizenship and Place of Birth

U.S.-Born 85.2 74.3 69.9 87.3 81.9 87.6 75.7

Foreign-Born Citizen 8.6 12.0 14.4 6.8 4.3 8.1 8.9

Foreign-Born Noncitizen 6.2 13.7 15.7 5.9 13.8 4.4 15.3

Metropolitan and 

Nonmetropolitan Status

Metropolitan Area 85.9 86.1 87.1 82.3 85.9 86.2 80.5

Not in Metropolitan Area 13.3 12.8 12.0 16.0 12.5 13.1 18.4

Not Identified 0.8 1.1 0.8 1.7 1.7 0.7 1.1

Geographic Region

Northeast 17.0 15.9 16.5 16.1 10.9 17.3 15.5

Midwest 21.3 17.3 16.3 21.5 17.6 22.0 20.3

South 38.8 45.0 43.4 45.8 54.7 37.5 42.3

West 23.0 21.8 23.8 16.5 16.8 23.2 21.9

The underbanked definition is based on the following products: nonbank transactions (money orders, check cashing, and international 

remittances) and nonbank credit (rent-to-own services and payday, pawn shop, tax refund anticipation, and auto title loans). The dash 

symbol indicates an estimate of zero; the population proportion may be slightly greater than zero.

G.4 Distributions of Household Characteristics Among Underbanked, Fully Banked, and Unbanked 

Households, 2021 (continued)

All Households, Column Percent
90 | APPENDIX TABLES | 2021 FDIC National Survey of Unbanked and Underbanked Households

PAGE INTENTIONALLY LEFT BLANK

FDIC-007-2022

Federal Deposit Insurance Corporation