2011 FDIC

Survey of Banks’ 

Efforts to Serve 

the Unbanked 

and Underbanked

December 2012

Federal Deposit 

Insurance Corporation

Appendix A
2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked an Uderbanked  

Members of the FDIC Unbanked/Underbanked Survey Study Group

Division of Depositor and Consumer Protection: Susan Burhouse, Sarah Campbell, 

 Timothy Critchfield, Ross Dierdorff, Keith Ernst, Ryan Goodstein, Yazmin Osaki, 

 Luke Reynolds, and Sherrie Rhine.

Division of Insurance and Research: David Chapman, Eric Robbins, and Katherine Samolyk.

Legal Division: Leneta Gregorie.

Lead Authors

Sherrie L.W. Rhine and Eric Robbins.

Lead Statistical Analysts and Advisors

David Chapman, Ryan Goodstein, and Chris MacColl.

Contributors: 

Karyen Chu, Anirudh Sarna, Masseh Tahiry, Shannon Williams, Kathy Zeidler.
Table 2

Branch Concentration in LMI and MSA Geographies by Asset Size

Asset Size

All Banks

Greater than

$38 Billion

(Largest)

$1 Billion to

$38 Billion

(Midsize)

Less than $1

Billion

(Smallest)

Branch Concentration Number

Pct of

Col Number

Pct of

Col Number

Pct of

Col Number

Pct of

Col

Branch Concentration in LMI Geographies

Less than one-third of branches in LMI areas 5,238 71.4 25 100 447 80.0 4,766 70.6

One-third or more of branches in LMI areas 2,090 28.5 - - 111 20.0 1,978 29.3

Total 7,329 100 25 100 559 100 6,745 100

Branch Concentration in MSA Geographies

Less than three-quarters of branches in MSAs 3,697 50.4 - - 186 33.3 3,510 52.0

Three-quarters or more of branches in MSAs 3,631 49.5 25 100 372 66.6 3,234 47.9

Total 7,329 100 25 100 559 100 6,745 100

Notes:

Proportions are calculated based on respondents that answered the question.

Figures do not always reconcile to totals because of rounding.

' - ' = For this table cell, there were no sample observations.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 1
Table 3.1

Actively Marketing Products or Services Customized to the Needs of Unbanked or Underbanked

Consumers by Asset Size

Asset Size

All Banks

Greater than

$38 Billion

(Largest)

$1 Billion to

$38 Billion

(Midsize)

Less than $1

Billion

(Smallest)

Actively

marketing Number

Pct of

Col Number

Pct of

Col Number

Pct of

Col Number

Pct of

Col

Yes 2,329 36.5 16 66.6 228 43.3 2,085 35.7

No 4,050 63.4 8 33.3 298 56.6 3,744 64.2

Total 6,380 100 24 100 526 100 5,830 100

Non-Response Rate 948 12.9 1 4.0 32 5.7 914 13.5

Notes:

Proportions are calculated based on respondents that answered the question.

Figures do not always reconcile to totals because of rounding.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 2
Table 3.2

Developed Special Products, Services, or Programs Customized to the Needs of Unbanked or

Underbanked Consumers

Asset Size

All Banks

Greater than

$38 Billion

(Largest)

$1 Billion to

$38 Billion

(Midsize)

Less than $1

Billion

(Smallest)

Developed

special

products,

services,

or programs Number

Pct of

Col Number

Pct of

Col Number

Pct of

Col Number

Pct of

Col

Yes 2,744 42.8 22 91.6 318 60.3 2,404 41.0

No 3,657 57.1 2 8.3 208 39.6 3,446 58.9

Total 6,402 100 24 100 526 100 5,851 100

Non-Response Rate 926 12.6 1 4.0 32 5.7 893 13.2

Notes:

Proportions are calculated based on respondents that answered the question.

Figures do not always reconcile to totals because of rounding.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 3
Table 3.3

Effectiveness of Marketing Channels by Asset Size

Asset Size

All Banks

Greater than $38

Billion (Largest)

$1 Billion to $38

Billion (Midsize)

Less than $1 Billion

(Smallest)

Marketing Channels Number Pct of Col Number Pct of Col Number Pct of Col Number Pct of Col

First most effective marketing channel

TV or radio advertising 144 6.1 4 25.0 12 5.4 127 6.1

Newspapers, brochures, or other print advertising 682 29.3 2 12.5 42 18.6 638 30.6

Email or social media marketing 22 0.9 1 6.2 - - 21 1.0

Direct mail 192 8.2 - - 22 9.8 170 8.1

Billboard advertising or signage outside of branch locations 159 6.8 1 6.2 9 4.3 148 7.1

Community outreach collaborations 898 38.5 8 50.0 124 54.9 765 36.7

Other 227 9.7 - - 14 6.5 212 10.2

Total 2,327 100 16 100 226 100 2,085 100

Non-Response Rate 5,001 68.2 9 36.0 332 59.5 4,659 69.0

Second most effective marketing channel

TV or radio advertising 329 15.1 2 14.2 29 13.4 297 15.3

Newspapers, brochures, or other print advertising 716 33.0 4 28.5 74 33.7 638 32.9

Email or social media marketing 76 3.5 - - 12 5.6 63 3.2

Direct mail 173 7.9 2 14.2 22 10.1 148 7.6

Billboard advertising or signage outside of branch locations 284 13.1 2 14.2 27 12.3 255 13.1

Community outreach collaborations 346 15.9 2 14.2 24 11.2 319 16.4

Other 244 11.2 2 14.2 29 13.4 212 10.9

Total 2,171 100 14 100 221 100 1,936 100

Non-Response Rate 5,157 70.3 11 44.0 337 60.4 4,808 71.2

Third most effective marketing channel

TV or radio advertising 344 17.3 4 28.5 42 20.9 297 16.8

Newspapers, brochures, or other print advertising 322 16.2 1 7.1 44 22.2 276 15.6

Email or social media marketing 37 1.8 1 7.1 14 7.4 21 1.2

Direct mail 266 13.4 3 21.4 29 14.8 234 13.2

Telemarketing 26 1.3 - - 4 2.4 21 1.2

Billboard advertising or signage outside of branch locations 263 13.3 - - 29 14.8 234 13.2

Community outreach collaborations 252 12.7 4 28.5 14 7.4 234 13.2

Other 467 23.6 1 7.1 19 9.8 446 25.3

Total 1,981 100 14 100 201 100 1,766 100

Non-Response Rate 5,347 72.9 11 44.0 357 64.0 4,978 73.8

Notes:

Proportions are calculated based on respondents that answered the question and that also actively market to the

unbanked and underbanked.

Figures do not always reconcile to totals because of rounding.

' - ' = For this table cell, there were no sample observations.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 4
Table 3.4

Retail Strategies by Asset Size

Asset Size

All Banks

Greater than $38

Billion (Largest)

$1 Billion to $38

Billion (Midsize)

Less than $1

Billion (Smallest)

Retail Strategies Number

Pct of

Col Number

Pct of

Col Number

Pct of

Col Number

Pct of

Col

Non-Traditional Location (Community Center, Supermarket, etc.)

Yes 766 10.4 16 64.0 218 39.2 531 7.9

No 6,538 89.5 9 36.0 337 60.7 6,191 92.0

Total 7,305 100 25 100 556 100 6,723 100

Non-Response Rate 23 0.3 2 0.4 21 0.3

Off-Premise ATMs in Retail Establishments or Other Accessible Locations

Yes 2,915 40.2 22 88.0 382 68.7 2,510 37.6

No 4,326 59.7 3 12.0 173 31.2 4,149 62.3

Total 7,241 100 25 100 556 100 6,659 100

Non-Response Rate 87 1.1 2 0.4 85 1.2

Non-Traditional Branch Format/Design (e.g., More Casual Lobby Decor)

Yes 2,723 37.5 14 56.0 240 43.4 2,468 36.9

No 4,537 62.4 11 44.0 313 56.5 4,212 63.0

Total 7,260 100 25 100 554 100 6,681 100

Non-Response Rate 68 0.9 4 0.8 63 0.9

Extended Banking Hours on WeekdayEvenings, Saturday or Sunday

Yes 2,729 37.3 19 76.0 370 66.8 2,340 34.8

No 4,573 62.6 6 24.0 183 33.1 4,383 65.1

Total 7,302 100 25 100 554 100 6,723 100

Non-Response Rate 26 0.3 4 0.8 21 0.3

Multilingual Staff Available (Language other than English)

Yes 3,154 43.3 24 96.0 449 80.8 2,680 40.0

No 4,129 56.6 1 4.0 106 19.1 4,021 60.0

Total 7,283 100 25 100 556 100 6,702 100

Non-Response Rate 45 0.6 2 0.4 42 0.6

Use Online (Internet) banking in languages other than English.

Yes 603 8.3 12 48.0 101 18.3 489 7.3

No 6,656 91.6 13 52.0 452 81.6 6,191 92.6

Total 7,260 100 25 100 554 100 6,681 100

Non-Response Rate 68 0.9 4 0.8 63 0.9

Notes:

Proportions are calculated based on respondents that answered the question.

Figures do not always reconcile to totals because of rounding.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 5
Table 3.4

Retail Strategies by Asset Size

Asset Size

All Banks

Greater than

$38 Billion

(Largest)

$1 Billion to

$38 Billion

(Midsize)

Less than $1

Billion

(Smallest)

Retail Strategies Number

Pct of

Col Number

Pct of

Col Number

Pct of

Col Number

Pct of

Col

Mobile (Cell Phone) Banking

Yes 2,060 28.2 21 87.5 315 56.9 1,723 25.7

No 5,220 71.7 3 12.5 238 43.0 4,978 74.2

Total 7,280 100 24 100 554 100 6,702 100

Non-Response Rate 48 0.6 1 4.0 4 0.8 42 0.6

Automated (IVR) Telephone Banking

Yes 4,508 61.8 24 96.0 484 87.0 4,000 59.6

No 2,775 38.1 1 4.0 72 12.9 2,702 40.3

Total 7,283 100 25 100 556 100 6,702 100

Non-Response Rate 45 0.6 2 0.4 42 0.6

Use Other (Fill in response) (Allow 200 characters).

Yes 1,155 29.9 4 28.5 109 39.6 1,042 29.1

No 2,708 70.0 10 71.4 166 60.3 2,532 70.8

Total 3,864 100 14 100 275 100 3,574 100

Non-Response Rate 3,464 47.2 11 44.0 283 50.6 3,170 47.0

Notes:

Proportions are calculated based on respondents that answered the question.

Figures do not always reconcile to totals because of rounding.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 6
Table 3.5.1

Effectiveness Rating of Automated (IVR) Telephone Banking by Asset Size

Asset Size

All Banks

Greater than $38

Billion (Largest)

$1 Billion to $38

Billion (Midsize)

Less than $1 Billion

(Smallest)

Automated

(IVR)

Telephone

Banking Number Pct of Col Number Pct of Col Number Pct of Col Number Pct of Col

Not effective at all 322 7.2 - - 24 5.2 297 7.5

Slightly effective 1,244 28.0 3 13.0 114 23.9 1,127 28.6

Effective 1,537 34.6 9 39.1 166 34.8 1,361 34.5

Very effective 497 11.2 2 8.6 69 14.5 425 10.8

Don't know 834 18.8 9 39.1 101 21.3 723 18.3

Total 4,436 100 23 100 477 100 3,936 100

Non-Response Rate 2,892 39.4 2 8.0 81 14.6 2,808 41.6

Notes:

Proportions are calculated based on respondents that answered the question and that also use automated (IVR)

telephone banking services to develop relationships with the unbanked and underbanked.

Figures do not always reconcile to totals because of rounding.

' - ' = For this table cell, there were no sample observations.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 7
Table 3.5.2

Effectiveness Rating of Multilingual Staff by Asset Size

Asset Size

All Banks

Greater than $38

Billion (Largest)

$1 Billion to $38

Billion (Midsize)

Less than $1 Billion

(Smallest)

Multilingual

Staff Number Pct of Col Number Pct of Col Number Pct of Col Number Pct of Col

Not effective at all 71 2.3 - - 7 1.7 63 2.4

Slightly effective 881 28.4 2 9.0 91 21.0 787 29.8

Effective 1,137 36.7 9 40.9 171 39.2 957 36.2

Very effective 796 25.7 8 36.3 129 29.5 659 25.0

Don't know 210 6.7 3 13.6 37 8.5 170 6.4

Total 3,097 100 22 100 437 100 2,638 100

Non-Response Rate 4,231 57.7 3 12.0 121 21.7 4,106 60.8

Notes:

Proportions are calculated based on respondents that answered the question and that also employ multilingual staff

to develop relationships with the unbanked and underbanked.

Figures do not always reconcile to totals because of rounding.

' - ' = For this table cell, there were no sample observations.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 8
Table 3.5.3

Effectiveness Rating of Off-Premise ATMs by Asset Size

Asset Size

All Banks

Greater than $38

Billion (Largest)

$1 Billion to $38

Billion (Midsize)

Less than $1 Billion

(Smallest)

Off-Premise

ATMs Number Pct of Col Number Pct of Col Number Pct of Col Number Pct of Col

Not effective at all 249 8.6 2 9.0 34 9.2 212 8.5

Slightly effective 1,055 36.5 5 22.7 114 30.4 936 37.6

Effective 918 31.8 7 31.8 124 33.1 787 31.6

Very effective 288 9.9 1 4.5 32 8.6 255 10.2

Don't know 374 12.9 7 31.8 69 18.5 297 11.9

Total 2,886 100 22 100 375 100 2,489 100

Non-Response Rate 4,442 60.6 3 12.0 183 32.8 4,255 63.0

Notes:

Proporitions are calculated based on respondents that answered the question and that also use off-premise ATMs

as a retail strategy to develop relationships with the unbanked and underbanked.

Figures do not always reconcile to totals because of rounding.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 9
Table 3.5.4

Effectiveness Rating of Mobile (Cell Phone) Banking by Asset Size

Asset Size

All Banks

Greater than $38

Billion (Largest)

$1 Billion to $38

Billion (Midsize)

Less than $1 Billion

(Smallest)

Mobile

(cell phone)

banking Number Pct of Col Number Pct of Col Number Pct of Col Number Pct of Col

Not effective at all 242 11.8 - - 29 9.6 212 12.3

Slightly effective 669 32.5 4 20.0 69 22.4 595 34.5

Effective 377 18.3 4 20.0 96 31.2 276 16.0

Very effective 65 3.1 3 15.0 19 6.4 42 2.4

Don't know 699 34.0 9 45.0 94 30.4 595 34.5

Total 2,054 100 20 100 310 100 1,723 100

Non-Response Rate 5,274 71.9 5 20.0 248 44.4 5,021 74.4

Notes:

Proportions are calculated based on respondents that answered the question and that also use mobile (cell phone)

banking as a retail strategy to develop relationships with the unbanked and underbanked.

Figures do not always reconcile to totals because of rounding.

' - ' = For this table cell, there were no sample observations.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 10
Table 3.5.5

Effectiveness Rating of Non-Traditional Location by Asset size

Asset Size

All Banks

Greater than $38

Billion (Largest)

$1 Billion to $38

Billion (Midsize)

Less than $1 Billion

(Smallest)

Non-traditional

locations Number

Pct of

Col Number

Pct of

Col Number

Pct of

Col Number

Pct of

Col

Not effective at all 31 4.0 - - 9 4.5 21 4.0

Slightly effective 268 35.1 2 13.3 74 34.4 191 36.0

Effective 321 42.0 5 33.3 81 37.9 234 44.0

Very effective 72 9.5 3 20.0 27 12.6 42 8.0

Don't know 69 9.1 5 33.3 22 10.3 42 8.0

Total 763 100 15 100 216 100 531 100

Non-Response Rate 6,565 89.5 10 40.0 342 61.3 6,213 92.1

Notes:

Proportions are calculated based on respondents that answered the question and that also use non-traditional

locations to develop relationships with the unbanked and underbanked.

Figures do not always reconcile to totals because of rounding.

' - ' = For this table cell, there were no sample observations.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 11
Table 3.5.6

Effectiveness Rating of Non-Traditional Branch Format/Design by Asset size

Asset Size

All Banks

Greater than $38

Billion (Largest)

$1 Billion to $38

Billion (Midsize)

Less than $1 Billion

(Smallest)

Non-Traditional

Branch

Format/Design Number Pct of Col Number Pct of Col Number Pct of Col Number Pct of Col

Not effective at all 121 4.4 - - 14 6.2 106 4.3

Slightly effective 741 27.4 1 7.6 59 25.0 680 27.8

Effective 908 33.6 6 46.1 94 39.5 808 33.0

Very effective 231 8.5 1 7.6 17 7.2 212 8.6

Don't know 695 25.7 5 38.4 52 21.8 638 26.0

Total 2,698 100 13 100 238 100 2,446 100

Non-Response Rate 4,630 63.1 12 48.0 320 57.3 4,298 63.7

Notes:

Proportions are calculated based on respondents that answered the question and that also implement non-traditional

branch format/design to develop relationships with the unbanked and underbanked.

Figures do not always reconcile to totals because of rounding.

' - ' = For this table cell, there were no sample observations.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 12
Table 3.5.7

Effectiveness Rating of Extended Banking Hours by Asset size

Asset Size

All Banks

Greater than $38

Billion (Largest)

$1 Billion to $38

Billion (Midsize)

Less than $1 Billion

(Smallest)

Extended

Banking Hours Number Pct of Col Number Pct of Col Number Pct of Col Number Pct of Col

Not effective at all 246 9.0 - - 12 3.4 234 10.0

Slightly effective 896 32.9 3 16.6 84 23.2 808 34.5

Effective 945 34.7 7 38.8 151 41.7 787 33.6

Very effective 309 11.3 3 16.6 72 19.8 234 10.0

Don't know 323 11.9 5 27.7 42 11.6 276 11.8

Total 2,721 100 18 100 362 100 2,340 100

Non-Response Rate 4,607 62.8 7 28.0 196 35.1 4,404 65.2

Notes:

Proportions are calculated based on respondents that answered the question and that also extend banking hours as a

retail strategy to develop relationships with the unbanked and underbanked.

Figures do not always reconcile to totals because of rounding.

' - ' = For this table cell, there were no sample observations.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 13
Table 3.5.8

Effectiveness of Online (Internet) Banking by Asset size

Asset Size

All Banks

Greater than $38

Billion (Largest)

$1 Billion to $38

Billion (Midsize)

Less than $1 Billion

(Smallest)

Online

(Internet)

Banking Number Pct of Col Number Pct of Col Number Pct of Col Number Pct of Col

Not effective at all 69 11.5 1 9.0 4 4.8 63 13.0

Slightly effective 189 31.4 2 18.1 17 17.0 170 34.7

Effective 235 39.0 4 36.3 39 39.0 191 39.1

Very effective 22 3.7 3 27.2 19 19.5 - -

Don't know 84 14.0 1 9.0 19 19.5 63 13.0

Total 602 100 11 100 101 100 489 100

Non-Response Rate 6,726 91.7 14 56.0 457 81.7 6,255 92.7

Notes:

Proportions are calculated based on respondents that answered the question and that also use online (internet)

banking as a retail strategy to develop relationships with the unbanked and underbanked.

Figures do not always reconcile to totals because of rounding.

' - ' = For this table cell, there were no sample observations.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 14
Table 3.6

Partnerships to Promote Checking or Savings Products by Asset Size

Asset Size

All Banks

Greater than

$38 Billion

(Largest)

$1 Billion to

$38 Billion

(Midsize)

Less than $1

Billion

(Smallest)

Partnerships Number

Pct of

Col Number

Pct of

Col Number

Pct of

Col Number

Pct of

Col

Partnerships to promote Checking accounts

Yes 3,558 49.3 21 87.5 409 74.3 3,127 47.1

No 3,655 50.6 3 12.5 141 25.6 3,510 52.8

Total 7,214 100 24 100 551 100 6,638 100

Non-Response Rate 114 1.5 1 4.0 7 1.3 106 1.5

Partnerships to promote Savings products

Yes 3,607 50.3 20 83.3 417 76.0 3,170 48.0

No 3,561 49.6 4 16.6 131 23.9 3,425 51.9

Total 7,169 100 24 100 549 100 6,596 100

Non-Response Rate 159 2.1 1 4.0 9 1.7 148 2.2

Notes:

Proportions are calculated based on respondents that answered the question.

Figures do not always reconcile to totals because of rounding.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 15
Table 4.1.1

Minimum Amount to Open a Basic or Entry-Level Checking Account with and without Direct Deposit

by Asset Size

Without Direct Deposit With Direct Deposit

All

Banks Zero

$1

to

$50 $50 $100

More

than

$100

No

Response Zero

$1

to

$50 $50 $100

More

than

$100

No

Response

Asset Size Number

Pct

of

Row

Pct

of

Row

Pct

of

Row

Pct

of

Row

Pct

of

Row

Pct of

Row

Pct

of

Row

Pct

of

Row

Pct

of

Row

Pct

of

Row

Pct

of

Row

Pct of

Row

Greater than $38 Billion (Largest) 25 12.0 36.0 28.0 20.0 4.0 - 16.0 36.0 24.0 20.0 4.0 -

$1 Billion to $38 Billion (Midsize) 559 15.5 24.4 25.3 32.0 1.7 0.8 19.1 24.4 24.4 29.7 1.3 0.8

Less than $1 Billion (Smallest) 6,745 15.4 15.4 16.7 43.2 5.9 3.1 21.4 16.4 15.1 39.7 4.4 2.8

Total 7,329 15.4 16.2 17.4 42.2 5.6 2.9 21.2 17.0 15.8 38.9 4.1 2.6

Notes:

Proportions are calculated based on respondents and non-respondents.

Figures do not always reconcile to totals because of rounding.

' - ' = For this table cell, there were no sample observations.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 16
Table 4.1.2

Median and Average Minimum Amount to Open a Checking Account with and without Direct Deposit

by Asset Size

All Banks Without Direct Deposit With Direct Deposit

Asset Size Number

Pct of

Col Number

Mean

$

Minimum

$

Median

$

Maximum

$ Number

Mean

$

Minimum

$

Median

$

Maximum

$

Greater than $38 Billion

(Largest)

22 0.3 22 115.04 1.00 50.00 1,500.00 21 118.14 1.00 50.00 1,500.00

$1 Billion to $38 Billion

(Midsize)

467 7.8 467 72.75 1.00 50.00 1,000.00 447 70.87 1.00 50.00 1,000.00

Less than $1 Billion (Smallest) 5,489 91.8 5,489 98.46 1.00 100.00 2,500.00 5,106 94.50 1.00 100.00 2,500.00

Total 5,978 100 5,978 96.51 1.00 100.00 2,500.00 5,574 92.69 1.00 100.00 2,500.00

Non-Response Rate 1,350 18.4

Notes:

Proportions are calculated based on respondents that answered the question and required a minimum amount to open

a checking account.

Figures do not always reconcile to totals because of rounding.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 17
Table 4.1.3

Monthly Maintenance Fee for a Basic or Entry-Level Checking Account with and without Direct

Deposit by Asset Size

Without Direct Deposit With Direct Deposit

All

Banks Zero

$1 to

$3

More

than

$3

No

Reponse Zero

$1 to

$3

More

than

$3

No

Reponse

Asset Size Number

Pct

of

Row

Pct

of

Row

Pct

of

Row

Pct of

Row

Pct

of

Row

Pct

of

Row

Pct

of

Row

Pct of

Row

Greater than $38 Billion (Largest) 25 20.0 4.0 72.0 4.0 64.0 - 36.0 -

$1 Billion to $38 Billion (Midsize) 559 70.6 4.8 23.1 1.3 78.6 3.1 16.8 1.3

Less than $1 Billion (Smallest) 6,745 64.6 10.7 22.0 2.5 70.9 8.5 16.7 3.7

Total 7,329 64.9 10.2 22.3 2.4 71.5 8.0 16.7 3.5

Notes:

Proportions are calculated based on respondents and non-respondents.

Figures do not always reconcile to totals because of rounding.

' - ' = For this table cell, there were no sample observations.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 18
Table 4.1.4

Median and Average Monthly Maintenance Fees with and without Direct Deposit by Asset Size

All Banks Without Direct Deposit With Direct Deposit

Asset Size Number

Pct of

Col Number

Mean

$

Minimum

$

Median

$

Maximum

$ Number

Mean

$

Minimum

$

Median

$

Maximum

$

Greater than $38 Billion

(Largest)

20 0.7 20 8.33 2.00 7.50 25.00 9 6.20 3.99 5.00 10.00

$1 Billion to $38 Billion

(Midsize)

163 6.2 163 7.06 1.00 5.00 25.00 119 6.98 2.00 5.47 25.00

Less than $1 Billion (Smallest) 2,425 92.9 2,383 6.32 1.00 5.00 50.00 1,957 6.68 1.00 5.50 50.00

Total 2,609 100 2,567 6.38 1.00 5.00 50.00 2,085 6.69 1.00 5.00 50.00

Non-Response Rate 4,719 64.3

Notes:

Proportions are calculated based on respondents that answered the question and reported a monthly, quarterly, or annual

fee for an account with direct deposit or for an account without direct deposit.

Figures do not always reconcile to totals because of rounding.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 19
Table 4.1.5

Minimum Account Balance to Avoid Low-Balance Fees for a Basic or Entry-Level Checking Account 

with and without Direct Deposit by Asset Size

Without Direct Deposit With Direct Deposit

All

Banks Zero

$1

to

$25

$26

to

$100

$101

to

$500

More

than

$500

No

Response Zero

$1

to

$25

$26

to

$100

$101

to

$500

More

than

$500

No

Response

Asset Size Number

Pct

of

Row

Pct

of

Row

Pct

of

Row

Pct

of

Row

Pct

of

Row

Pct of

Row

Pct

of

Row

Pct

of

Row

Pct

of

Row

Pct

of

Row

Pct

of

Row

Pct of

Row

Greater than $38 Billion (Largest) 25 44.0 4.0 - 12.0 36.0 4.0 52.0 8.0 - 8.0 28.0 4.0

$1 Billion to $38 Billion (Midsize) 559 74.2 5.7 5.3 6.2 7.1 1.3 78.6 4.0 4.8 4.8 5.7 1.7

Less than $1 Billion (Smallest) 6,745 67.1 1.2 6.3 15.7 6.3 3.1 70.9 1.2 6.3 12.3 5.9 3.1

Total 7,329 67.6 1.6 6.2 15.0 6.4 3.0 71.4 1.4 6.1 11.7 6.0 3.0

Notes:

Proportions are calculated based on respondents and non-respondents.

Figures do not always reconcile to totals because of rounding.

' - ' = For this table cell, there were no sample observations.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 20
Table 4.1.6

Median and Average Minimum Account Balance to Avoid Low-Balance Fees with and without Direct

Deposit by Asset Size

All Banks Without Direct Deposit With Direct Deposit

Asset Size Number

Pct of

Col Number

Mean

$

Minimum

$

Median

$

Maximum

$ Number

Mean

$

Minimum

$

Median

$

Maximum

$

Greater than $38 Billion

(Largest)

13 0.6 13 1,042.38 1.00 1,500.00 1,500.00 11 932.00 1.00 1,000.00 1,500.00

$1 Billion to $38 Billion

(Midsize)

136 6.3 136 566.87 1.00 500.00 5,000.00 109 625.02 1.00 500.00 5,000.00

Less than $1 Billion

(Smallest)

2,000 93.0 2,000 452.68 1.00 325.00 2,500.00 1,744 454.90 1.00 300.00 2,500.00

Total 2,149 100 2,149 463.50 1.00 350.00 5,000.00 1,865 467.68 1.00 300.00 5,000.00

Non-Response Rate 5,179 70.6

Notes:

Proportions are calculated based on respondents that answered the question and that required a minimum account balance to

avoid low balance maintenance fees.

Figures do not always reconcile to totals because of rounding.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 21
Table 4.1.7

Electronic (Card-Based) Account as the Basic or Entry-Level Checking Account by Asset Size

Type of Basic or Entry-Level Checking

Account

All

Banks

Card

Based

(Paper

Checks

Allowed)

Card

Based

(Paper

Checks

Not

Allowed)

Not Card

Based

No

Response

Asset Size Number

Pct of

Row

Pct of

Row

Pct of

Row

Pct of

Row

Greater than $38 Billion (Largest) 25 12.0 8.0 80.0 -

$1 Billion to $38 Billion (Midsize) 559 15.5 2.6 80.8 0.8

Less than $1 Billion (Smallest) 6,745 21.4 0.6 75.7 2.2

Total 7,329 20.9 0.8 76.1 2.1

Notes:

Proportions are calculated based on respondents and non-respondents.

Figures do not always reconcile to totals because of rounding.

' - ' = For this table cell, there were no sample observations.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 22
Table 4.1.8.a

Typical Per-Item Check Fee for Writing More Than a Minimum Allotted Number of Checks per

Month by Asset Size

Per Item Fee for writing Paper Checks

All

Banks

Checks

not

Allowed No Fee

Less

than $1

$1 or

More

No

Response

Asset Size Number

Pct of

Row

Pct of

Row

Pct of

Row

Pct of

Row

Pct of

Row

Greater than $38 Billion (Largest) 25 8.0 80.0 12.0 - -

$1 Billion to $38 Billion (Midsize) 559 2.6 86.2 8.0 1.7 1.3

Less than $1 Billion (Smallest) 6,745 0.6 82.9 13.5 0.6 2.2

Total 7,329 0.8 83.2 13.1 0.7 2.1

Notes:

Proportions are calculated based on respondents and non-respondents.

Figures do not always reconcile to totals because of rounding.

' - ' = For this table cell, there were no sample observations.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 23
Table 4.1.8.b

Median and Average Per-Item Check Fee by Asset Size

All Banks Per-Item Paper Check Fee ($)

Asset Size Number Pct of Col Number

Mean

$

Minimum

$

Median

$

Maximum

$

Greater than $38 Billion (Largest) 3 0.2 3 0.53 0.25 0.35 1.00

$1 Billion to $38 Billion (Midsize) 54 5.3 54 0.70 0.10 0.50 2.00

Less than $1 Billion (Smallest) 957 94.3 957 0.44 0.05 0.20 6.00

Total 1,015 100 1,015 0.45 0.05 0.20 6.00

Non-Response Rate 6,313 86.1

Notes:

Proportions are calculated based on respondents that answered the question and that also charge a per-item check fee.

Figures do not always reconcile to totals because of rounding.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 24
Table 4.1.9.a

Nonsufficient Funds (NSF) Fees by Asset Size

NSF Fees

All

Banks

Does

not

charge

fees

$1 to

$10

$11 to

$25

$26 to

$30

More

than

$30

No

Response

Asset Size Number

Pct of

Row

Pct of

Row

Pct of

Row

Pct of

Row

Pct of

Row

Pct of

Row

Greater than $38 Billion (Largest) 25 12.0 - 16.0 - 72.0 -

$1 Billion to $38 Billion (Midsize) 559 2.2 0.8 12.0 28.4 53.3 3.1

Less than $1 Billion (Smallest) 6,745 3.1 1.8 43.2 33.4 15.1 3.1

Total 7,329 3.1 1.8 40.7 32.9 18.2 3.1

Notes:

Proportions are calculated based on respondents and non-respondents.

Figures do not always reconcile to totals because of rounding.

' - ' = For this table cell, there were no sample observations.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 25
Table 4.1.9.b

Median and Average Nonsufficient Funds (NSF) Fees by Asset Size

All Banks NSF Fees

Asset Size Number

Pct of

Col Number

Mean

$

Minimum

$

Median

$

Maximum

$

Greater than $38 Billion (Largest) 22 0.3 22 33.18 22.00 35.00 38.00

$1 Billion to $38 Billion (Midsize) 529 7.7 529 31.17 5.00 32.00 40.00

Less than $1 Billion (Smallest) 6,319 91.9 6,319 26.17 5.00 27.00 40.00

Total 6,870 100 6,870 26.58 5.00 28.00 40.00

Non-Response Rate 458 6.2

Notes:

Proportions are calculated based on respondents that answered the question.

Figures do not always reconcile to totals because of rounding.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 26
Table 4.1.10.a

Nonsufficient Funds (NSF) Fees by Branch Concentration in MSA Geographies

NSF Fees

All

Banks

Does

not

charge

fees

$1 to

$10

$11 to

$25

$26 to

$30

More

than

$30

No

Response

Branch

Concentration

in MSA

Geographies Number

Pct of

Row

Pct of

Row

Pct of

Row

Pct of

Row

Pct of

Row

Pct of

Row

Low-MSA 3,697 3.5 2.3 48.5 30.6 12.7 2.3

High-MSA 3,631 2.6 1.3 32.8 35.2 23.8 3.9

Total 7,329 3.1 1.8 40.7 32.9 18.2 3.1

Notes:

Proportions are calculated based on respondents and non-respondents.

Figures do not always reconcile to totals because of rounding.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 27
Table 4.1.10.b

Median and Average Nonsufficient Funds (NSF) Fees by Branch Concentration in MSA Geographies

All Banks NSF Fees

Branch

Concentration

in MSA

Geographies Number

Pct of

Col Number

Mean

$

Minimum

$

Median

$

Maximum

$

Low-MSA 3,481 50.6 3,481 25.39 5.00 25.00 38.00

High-MSA 3,388 49.3 3,388 27.80 5.00 30.00 40.00

Total 6,870 100 6,870 26.58 5.00 28.00 40.00

Non-Response Rate 458 6.2

Notes:

Proportions are calculated based on respondents that answered the question.

Figures do not always reconcile to totals because of rounding.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 28
Table 4.1.10.c

Nonsufficient Funds (NSF) Fees by Asset Size and Branch Concentration in MSA Geographies

NSF Fees

All

Banks

Does

not

charge

fees

$1 to

$10

$11 to

$25

$26 to

$30

More

than

$30

No

Response

Asset Size

Branch

Concentration

in MSA

Geographies Number

Pct of

Row

Pct of

Row

Pct of

Row

Pct of

Row

Pct of

Row

Pct of

Row

Greater than $38 Billion (Largest) High-MSA 25 12.0 - 16.0 - 72.0 -

$1 Billion to $38 Billion (Midsize) Low-MSA 186 1.3 - 14.6 37.3 46.6 -

High-MSA 372 2.6 1.3 10.6 24.0 56.6 4.6

Less than $1 Billion (Smallest) Low-MSA 3,510 3.6 2.4 50.3 30.3 10.9 2.4

High-MSA 3,234 2.6 1.3 35.5 36.8 19.7 3.9

Total Total 7,329 3.1 1.8 40.7 32.9 18.2 3.1

Notes:

Proportions are calculated based on respondents and non-respondents.

Figures do not always reconcile to totals because of rounding.

' - ' = For this table cell, there were no sample observations.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 29
Table 4.1.10.d

Median and Average Nonsufficient Funds Fees by Asset Size and Branch Concentration in MSA

Geographies

All Banks NSF Fees

Asset Size

Branch

Concentration

in MSA

Geographies Number

Pct of

Col Number

Mean

$

Minimum

$

Median

$

Maximum

$

Greater than $38 Billion (Largest) High-MSA 25 0.3 22 33.18 22.00 35.00 38.00

$1 Billion to $38 Billion (Midsize) Low-MSA 186 2.6 183 30.68 20.00 30.00 38.00

High-MSA 355 5.0 345 31.44 5.00 32.00 40.00

Less than $1 Billion (Smallest) Low-MSA 3,425 48.2 3,298 25.10 5.00 25.00 35.54

High-MSA 3,106 43.7 3,021 27.35 5.00 29.00 40.00

Total Total 7,098 100 6,870 26.58 5.00 28.00 40.00

Non-Response Rate Total 230 3.1

Notes:

Proportions are calculated based on respondents that answered the question.

Figures do not always reconcile to totals because of rounding.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 30
Table 4.1.11.a

Type of Overdraft Program for Basic or Entry-Level Checking Accounts by Asset Size

Asset Size

All Banks

Greater than

$38 Billion

(Largest)

$1 Billion to

$38 Billion

(Midsize)

Less than $1

Billion

(Smallest)

Overdraft

Coverage Number Pct of Col Pct of Col Pct of Col Pct of Col

Bank offers automated overdraft coverage on an automated or ad hoc basis

Yes 6,551 91.3 92.0 92.3 91.2

No 618 8.6 8.0 7.6 8.7

Total 7,170 100 100 100 100

Non-Response Rate 158 2.1 1.7 2.2

Bank offers automated overdraft coverage on most basic or entry-level account

Yes 2,204 33.6 69.5 53.9 31.8

No 4,347 66.3 30.4 46.0 68.1

Total 6,551 100 100 100 100

Non-Response Rate 777 10.6 8.0 9.3 10.7

Notes:

Proportions are calculated based on respondents that answered the question.

Figures do not always reconcile to totals because of rounding.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 31
Table 4.1.11.b

Alternatives Offered to Overdraft Program by Asset Size

Asset Size

All Banks

Greater

than $38

Billion

(Largest)

$1 Billion

to $38

Billion

(Midsize)

Less than

$1 Billion

(Smallest)

Alternatives to Automated

Overdraft Protection Number Pct of Col Pct of Col Pct of Col Pct of Col

Overdraft line of credit (LOC)

Yes 3,963 55.7 72.0 79.5 53.7

No 3,140 44.2 28.0 20.4 46.2

Total 7,103 100 100 100 100

Non-Response Rate 225 3.0 2.2 3.1

Savings-checkinglink for overdrafts

Yes 5,632 78.5 84.0 84.5 78.0

No 1,535 21.4 16.0 15.4 21.9

Total 7,167 100 100 100 100

Non-Response Rate 161 2.2 2.2 2.2

None, One, or Both

None 1,036 14.5 8.0 6.3 15.2

Only overdraft LOC 477 6.6 8.0 9.0 6.4

Only savings-checking link for overdrafts 2,145 30.0 20.0 14.0 31.3

Both 3,486 48.7 64.0 70.4 46.9

Total 7,146 100 100 100 100

Non-Response Rate 182 2.4 2.2 2.5

Notes:

Proportions are calculated based on respondents that answered the question.

Figures do not always reconcile to totals because of rounding.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 32
Table 4.1.12.a

Overdraft Program Fees by Asset Size

Overdraft Fee

All

Banks

No

Program

$1 to

$10

$11 to

$25

$26 to

$30

More

than

$30

No

Response

Asset Size Number

Pct of

Row

Pct of

Row

Pct of

Row

Pct of

Row

Pct of

Row

Pct of

Row

Greater than $38 Billion (Largest) 25 8.0 - 24.0 - 68.0 -

$1 Billion to $38 Billion (Midsize) 559 7.1 1.3 12.0 25.7 52.0 1.7

Less than $1 Billion (Smallest) 6,745 8.5 2.8 39.1 33.4 13.8 2.2

Total 7,329 8.4 2.7 36.9 32.7 16.9 2.1

Notes:

Proportions are calculated based on respondents and non-respondents.

Figures do not always reconcile to totals because of rounding.

' - ' = For this table cell, there were no sample observations.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 33
Table 4.1.12.b

Median and Average Overdraft Program Fees by Asset Size

All Banks Overdraft Fee ($) Among Banks Offering ODPs

Asset Size Number Pct of Col Number

Mean

$

Minimum

$

Median

$

Maximum

$

Greater than $38 Billion (Largest) 23 0.3 23 32.26 22.00 35.00 37.00

$1 Billion to $38 Billion (Midsize) 509 7.7 509 31.17 5.00 32.00 41.00

Less than $1 Billion (Smallest) 6,021 91.8 6,021 26.03 2.50 27.00 37.00

Total 6,553 100 6,553 26.45 2.50 28.00 41.00

Non-Response Rate 775 10.5

Notes:

Proportions are calculated based on respondents that answered the question and that also cover overdraft obligations

either on an automated or adhoc basis.

Figures do not always reconcile to totals because of rounding.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 34
Table 4.1.12.c

Overdraft Program Fees by Branch Concentration in MSA Geographies

Overdraft Fee

All

Banks

No

Program

$1 to

$10

$11 to

$25

$26 to

$30

More

than

$30

No

Response

Branch

Concentration

in MSA

Geographies Number

Pct of

Row

Pct of

Row

Pct of

Row

Pct of

Row

Pct of

Row

Pct of

Row

Low-MSA 3,697 6.2 3.4 46.7 30.0 11.8 1.7

High-MSA 3,631 10.6 1.9 27.1 35.5 22.1 2.6

Total 7,329 8.4 2.7 36.9 32.7 16.9 2.1

Notes:

Proportions are calculated based on respondents and non-respondents.

Figures do not always reconcile to totals because of rounding.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 35
Table 4.1.12.d

Median and Average Overdraft Program Fees by Branch Concentration in MSA Geographies

All Banks Overdraft Fee ($) Among Banks Offering ODPs

Branch

Concentration

in MSA

Geographies Number Pct of Col Number

Mean

$

Minimum

$

Median

$

Maximum

$

Low-MSA 3,403 51.9 3,403 25.04 5.00 25.00 38.00

High-MSA 3,150 48.0 3,150 27.97 2.50 30.00 41.00

Total 6,553 100 6,553 26.45 2.50 28.00 41.00

Non-Response Rate 775 10.5

Notes:

Proportions are calculated based on respondents that answered the question and that also cover overdraft obligations

either on an automated or adhoc basis.

Figures do not always reconcile to totals because of rounding.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 36
Table 4.1.12.e

Overdraft Program Fees by Asset Size and Branch Concentration in MSA Geographies

Overdraft Fee

All

Banks

No

Program

$1 to

$10

$11 to

$25

$26 to

$30

More

than

$30

No

Response

Asset Size

Branch

Concentration

in MSA

Geographies Number

Pct of

Row

Pct of

Row

Pct of

Row

Pct of

Row

Pct of

Row

Pct of

Row

Greater than $38 Billion (Largest) High-MSA 25 8.0 - 24.0 - 68.0 -

$1 Billion to $38 Billion (Midsize) Low-MSA 186 9.3 - 13.3 36.0 41.3 -

High-MSA 372 6.0 2.0 11.3 20.6 57.3 2.6

Less than $1 Billion (Smallest) Low-MSA 3,510 6.0 3.6 48.4 29.6 10.3 1.8

High-MSA 3,234 11.1 1.9 28.9 37.5 17.7 2.6

Total Total 7,329 8.4 2.7 36.9 32.7 16.9 2.1

Notes:

Proportions are calculated based on respondents and non-respondents.

Figures do not always reconcile to totals because of rounding.

' - ' = For this table cell, there were no sample observations.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 37
Table 4.1.12.f

Median and Average Overdraft Program Fees by Asset Size and Branch Concentration in MSA

Geographies

All Banks Overdraft Fee ($) Among Banks Offering ODPs

Asset Size

Branch

Concentration

in MSA

Geographies Number Pct of Col Number

Mean

$

Minimum

$

Median

$

Maximum

$

Greater than $38 Billion (Largest) High-MSA 23 0.3 23 32.26 22.00 35.00 37.00

$1 Billion to $38 Billion (Midsize) Low-MSA 168 2.5 168 30.66 20.00 30.00 38.00

High-MSA 340 5.1 340 31.43 5.00 33.00 41.00

Less than $1 Billion (Smallest) Low-MSA 3,234 49.3 3,234 24.75 5.00 25.00 35.54

High-MSA 2,787 42.5 2,787 27.52 2.50 30.00 37.00

Total Total 6,553 100 6,553 26.45 2.50 28.00 41.00

Non-Response Rate Total 775 10.5

Notes:

Proportions are calculated based on respondents that answered the question and that also cover overdraft obligations

either on an automated or adhoc basis.

Figures do not always reconcile to totals because of rounding.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 38
Table 4.1.13

Comparison of the Difference between NSF and ODP Fees by Asset Size

All Banks

NSF Fees

are

greater

than ODP

Fees

NSF Fees

and ODP

Fees are

the same

ODP Fees

are

greater

than NSF

Fees

ODP

Programs

are not

offered

Asset Size Number

Pct of

Row

Pct of

Row

Pct of

Row

Pct of

Row

Greater than $38 Billion (Largest) 25 4.0 84.0 - 12.0

$1 Billion to $38 Billion (Midsize) 559 3.5 81.7 4.4 10.2

Less than $1 Billion (Smallest) 6,745 4.4 78.2 3.1 14.1

Total 7,329 4.3 78.5 3.2 13.8

Notes:

Proportions are calculated based on respondents that answered the question.

Figures do not always reconcile to totals because of rounding.

' - ' = For this table cell, there were no sample observations.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 39
Table 4.1.14.a

The Availability of Funds for a Hypothetical $2,500 Check Payable to a Customer of the Bank by

Check Type and Asset Size

Asset Size

All Banks

Greater

than $38

Billion

(Largest)

$1 Billion

to $38

Billion

(Midsize)

Less than

$1 Billion

(Smallest)

Availability of Funds Number Pct of Col Pct of Col Pct of Col Pct of Col

Availabilityof Funds: On-Us Check

Same business day 4,664 65.5 37.5 54.3 66.5

Next business day 2,267 31.8 62.5 42.8 30.8

Beyond next business day 185 2.6 - 2.7 2.5

Total 7,116 100 100 100 100

Non-Response Rate 212 2.8 4.0 3.5 2.8

Availabilityof Funds: Payroll Check

Same business day 2,934 41.4 8.3 23.3 42.9

Next business day 3,495 49.3 75.0 61.6 48.2

Beyond next business day 657 9.2 16.6 14.9 8.7

Total 7,087 100 100 100 100

Non-Response Rate 241 3.2 4.0 4.8 3.1

Availabilityof Funds: Personal Check

Same business day 1,966 27.6 4.1 13.4 28.8

Next business day 3,786 53.2 70.8 60.4 52.5

Beyond next business day 1,357 19.0 25.0 26.0 18.5

Total 7,111 100 100 100 100

Non-Response Rate 217 2.9 4.0 4.4 2.8

Availabilityof Funds: Government Check

Same business day 4,429 62.2 16.6 43.7 63.9

Next business day 2,543 35.7 79.1 54.4 34.0

Beyond next business day 138 1.9 4.1 1.8 1.9

Total 7,111 100 100 100 100

Non-Response Rate 217 2.9 4.0 4.4 2.8

Notes:

Proportions are calculated based on respondents that answered the question.

Figures do not always reconcile to totals because of rounding.

' - ' = For this table cell, there were no sample observations.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 40
Table 4.1.14.b

The Availability of Funds for a Hypothetical $2,500 Check Payable to a Customer of the Bank by

Check Type by Branch Concentration in MSA Geographies

Branch Concentration in

MSA Geographies

All Banks Low-MSA High-MSA

Availability of Funds Number Pct of Col Pct of Col Pct of Col

Availabilityof Funds: On-Us Check

Same business day 4,664 65.5 75.0 55.7

Next business day 2,267 31.8 24.1 39.7

Beyond next business day 185 2.6 0.7 4.4

Total 7,116 100 100 100

Non-Response Rate 212 2.8 2.3 3.5

Availabilityof Funds: Payroll Check

Same business day 2,934 41.4 52.9 29.2

Next business day 3,495 49.3 42.8 56.0

Beyond next business day 657 9.2 4.2 14.6

Total 7,087 100 100 100

Non-Response Rate 241 3.2 1.7 4.8

Availabilityof Funds: Personal Check

Same business day 1,966 27.6 37.9 16.9

Next business day 3,786 53.2 48.0 58.6

Beyond next business day 1,357 19.0 13.9 24.4

Total 7,111 100 100 100

Non-Response Rate 217 2.9 1.7 4.1

Availabilityof Funds: Government Check

Same business day 4,429 62.2 73.2 50.8

Next business day 2,543 35.7 25.4 46.5

Beyond next business day 138 1.9 1.3 2.6

Total 7,111 100 100 100

Non-Response Rate 217 2.9 1.7 4.1

Notes:

Proportions are calculated based on respondents that answered the question.

Figures do not always reconcile to totals because of rounding.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 41
Table 4.1.14.c

The Availability of Funds for a Hypothetical $2,500 Check Payable to a Customer of the Bank by

Check Type, Asset Size and Branch Concentration in MSA Geographies

Asset Size

Greater than $38 Billion

(Largest)

$1 Billion to $38 Billion

(Midsize)

Less than $1 Billion

(Smallest)

Branch Concentration in

MSA Geographies

Branch Concentration in

MSA Geographies

Branch Concentration in

MSA Geographies

All Banks Low-MSA High-MSA Low-MSA High-MSA Low-MSA High-MSA

Availability of Funds Number

Pct

of

Col Number

Pct

of

Col Number

Pct

of

Col Number

Pct

of

Col Number

Pct

of

Col Number

Pct

of

Col Number

Pct

of

Col

Availabilityof Funds: On-Us Check

Same business day 4,664 65.5 - - 9 37.5 114 61.3 178 50.7 2,595 75.7 1,766 56.4

Next business day 2,267 31.8 - - 15 62.5 64 34.6 166 47.1 808 23.6 1,212 38.7

Beyond next business day 185 2.6 - - - - 7 4.0 7 2.1 21 0.6 148 4.7

Total 7,116 100 - - 24 100 186 100 352 100 3,425 100 3,127 100

Non-Response Rate 212 2.8 1 4.0 19 5.3 85 2.4 106 3.2

Availabilityof Funds: Payroll Check

Same business day 2,934 41.4 - - 2 8.3 49 27.0 74 21.4 1,872 54.3 936 30.3

Next business day 3,495 49.3 - - 18 75.0 109 59.4 218 62.8 1,446 41.9 1,702 55.1

Beyond next business day 657 9.2 - - 4 16.6 24 13.5 54 15.7 127 3.7 446 14.4

Total 7,087 100 - - 24 100 183 100 347 100 3,446 100 3,085 100

Non-Response Rate 241 3.2 1 4.0 2 1.3 24 6.6 63 1.8 148 4.6

Availabilityof Funds: Personal Check

Same business day 1,966 27.6 - - 1 4.1 37 20.2 34 9.9 1,340 38.8 553 17.8

Next business day 3,786 53.2 - - 17 70.8 106 58.1 216 61.7 1,638 47.5 1,808 58.2

Beyond next business day 1,357 19.0 - - 6 25.0 39 21.6 99 28.3 468 13.5 744 23.9

Total 7,111 100 - - 24 100 183 100 350 100 3,446 100 3,106 100

Non-Response Rate 217 2.9 1 4.0 2 1.3 22 6.0 63 1.8 127 3.9

Availabilityof Funds: Government Check

Same business day 4,429 62.2 - - 4 16.6 84 45.9 149 42.5 2,574 74.6 1,617 52.0

Next business day 2,543 35.7 - - 19 79.1 94 51.3 196 56.0 829 24.0 1,404 45.2

Beyond next business day 138 1.9 - - 1 4.1 4 2.7 4 1.4 42 1.2 85 2.7

Total 7,111 100 - - 24 100 183 100 350 100 3,446 100 3,106 100

Non-Response Rate 217 2.9 1 4.0 2 1.3 22 6.0 63 1.8 127 3.9

Notes:

Proportions are calculated based on respondents that answered the question.

Figures do not always reconcile to totals because of rounding.

' - ' = For this table cell, there were no sample observations.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 42
Table 4.2.1.a

Minimum Amount to Open a Basic or Entry-Level Savings Account by Asset Size

All

Banks Zero

$1 to

$25

$26 to

$100

More

than

$100

No

Response

Asset Size Number

Pct of

Row

Pct of

Row

Pct of

Row

Pct of

Row

Pct of

Row

Greater than $38 Billion (Largest) 25 8.0 52.0 36.0 - 4.0

$1 Billion to $38 Billion (Midsize) 559 10.6 27.5 53.3 5.7 2.6

Less than $1 Billion (Smallest) 6,745 10.7 21.1 58.9 6.9 2.2

Total 7,329 10.7 21.7 58.4 6.8 2.2

Notes:

Proportions are calculated based on respondents and non-respondents.

Figures do not always reconcile to totals because of rounding.

' - ' = For this table cell, there were no sample observations.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 43
Table 4.2.1.b

Minimum Savings Account Balance Required to Avoid a Fee by Asset Size

All

Banks Zero

$1 to

$25

$26 to

$100

More

than

$100

No

Response

Asset Size Number

Pct of

Row

Pct of

Row

Pct of

Row

Pct of

Row

Pct of

Row

Greater than $38 Billion (Largest) 25 8.0 - 12.0 76.0 4.0

$1 Billion to $38 Billion (Midsize) 559 19.1 8.4 27.5 42.2 2.6

Less than $1 Billion (Smallest) 6,745 28.0 8.8 38.4 21.1 3.4

Total 7,329 27.3 8.7 37.5 22.9 3.4

Notes:

Proportions are calculated based on respondents and non-respondents.

Figures do not always reconcile to totals because of rounding.

' - ' = For this table cell, there were no sample observations.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 44
Table 4.2.2.a

Median and Average Minimum Amount to Open a Basic or Entry-Level Savings Account by Asset

Size

All Banks Minimum Amount to Open Savings Account

Minimum Account Balance Required to Avoid

a Fee

Asset Size Number

Pct of

Col Number

Mean

$

Minimum

$

Median

$

Maximum

$ Number

Mean

$

Minimum

$

Median

$

Maximum

$

Greater than $38 Billion

(Largest)

19 0.4 19 34.84 1.00 25.00 100.00 19 294.73 50.00 300.00 500.00

$1 Billion to $38 Billion

(Midsize)

380 8.9 380 89.94 1.00 100.00 1,000.00 380 196.52 1.00 200.00 1,000.00

Less than $1 Billion (Smallest) 3,851 90.6 3,851 98.24 1.00 100.00 1,000.00 3,851 172.65 1.00 100.00 2,500.00

Total 4,250 100 4,250 97.21 1.00 100.00 1,000.00 4,250 175.33 1.00 100.00 2,500.00

Non-Response Rate 3,078 42.0

Notes:

Proportions are calculated based on respondents that answered the question and that also require a minimum amount

to open a basic or entry-level savings account.

Figures do not always reconcile to totals because of rounding.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 45
Table 4.2.2.b

Median and Average Minimum Account Balance Required to Avoid a Low Balance Fee on a Basic or

Entry-Level Savings Account by Asset Size

All Banks Minimum Account Balance Required to Avoid a Fee

Asset Size Number Pct of Col Number

Mean

$

Minimum

$

Median

$

Maximum

$

Greater than $38 Billion (Largest) 22 0.4 22 302.27 50.00 300.00 500.00

$1 Billion to $38 Billion (Midsize) 432 8.7 432 188.16 1.00 200.00 1,000.00

Less than $1 Billion (Smallest) 4,468 90.7 4,468 159.60 1.00 100.00 2,500.00

Total 4,922 100 4,922 162.74 1.00 100.00 2,500.00

Non-Response Rate 2,406 32.8

Notes:

Proportions are calculated based on respondents that answered the question and that also require a minimum balance in

a basic or entry-level savings account to avoid a low balance fee.

Figures do not always reconcile to totals because of rounding.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 46
Table 4.2.3.a

Monthly Maintenance Fee on a Basic or Entry-Level Savings Account by Asset Size

If Minimum Balance Requirement is Met

If Minimum Balance Requirement is Not

Met

All Banks Zero $1 to $3 More than $3 No Response $1 to $3 More than $3 No Response

Asset Size Number

Pct

of

Col Number

Pct

of

Row Number

Pct

of

Row Number

Pct

of

Row Number

Pct

of

Row Number

Pct

of

Row Number

Pct

of

Row Number

Pct

of

Row

Greater than $38 Billion

(Largest)

25 0.3 16 64.0 1 4.0 4 16.0 4 16.0 4 16.0 17 68.0 4 16.0

$1 Billion to $38 Billion

(Midsize)

559 7.6 250 44.8 101 18.2 59 10.6 146 26.2 258 46.2 154 27.5 146 26.2

Less than $1 Billion

(Smallest)

6,745 92.0 2,680 39.7 829 12.3 617 9.1 2,617 38.8 2,915 43.2 1,212 17.9 2,617 38.8

Total 7,329 100 2,947 40.2 932 12.7 680 9.2 2,767 37.7 3,177 43.3 1,383 18.8 2,767 37.7

Notes:

Proportions are calculated based on respondents and non-respondents.

Figures do not always reconcile to totals because of rounding.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 47
Table 4.2.3.b

Median and Average Monthly Maintenance Fees on a Basic or Entry-Level Savings Account by Asset

Size

All Banks

Asset Size Number

Pct of

Col Number

Mean

$

Minimum

$

Median

$

Maximum

$ Number

Mean

$

Minimum

$

Median

$

Maximum

$

Greater than $38 Billion

(Largest)

21 0.4 21 0.90 0.00 0.00 4.50 21 4.23 2.00 4.00 7.50

$1 Billion to $38 Billion

(Midsize)

419 8.9 419 1.50 0.00 0.00 15.00 419 3.59 0.50 3.00 15.00

Less than $1 Billion

(Smallest)

4,255 90.6 4,255 1.28 0.00 0.00 15.00 4,255 3.06 0.25 2.50 15.00

Total 4,696 100 4,696 1.30 0.00 0.00 15.00 4,696 3.11 0.25 2.50 15.00

Non-Response Rate 2,632 35.9

Notes:

Proportions are calculated based on respondents that answered the question and reported monthly, quarterly or annual fees,

and charge a fee if the minimum balance requirement is not met.

Figures do not always reconcile to totals because of rounding.

' - ' = For this table cell, there were no sample observations.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 48
Table 4.2.4

Availability of Automatic Savings Feature by Asset Size

Automatic Savings Optionn

All Banks

No

Automatic

Savings

Automatic

Savings

without

Fee

Automatic

Savings

with Fee

No

Response

Asset Size Number

Pct of

Col

Pct of

Row

Pct of

Row

Pct of

Row

Pct of

Row

Greater than $38 Billion (Largest) 25 0.3 4.0 92.0 - 4.0

$1 Billion to $38 Billion (Midsize) 559 7.6 14.2 80.0 2.6 3.1

Less than $1 Billion (Smallest) 6,745 92.0 17.3 74.7 4.4 3.4

Total 7,329 100 17.0 75.2 4.2 3.4

Notes:

Proportions are calculated based on respondents and non-respondents.

Figures do not always reconcile to totals because of rounding.

' - ' = For this table cell, there were no sample observations.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 49
Table 4.2.5

Alternative Savings Products Offered by Asset Size

Asset Size

All Banks

Greater

than $38

Billion

(Largest)

$1 Billion

to $38

Billion

(Midsize)

Less than

$1 Billion

(Smallest)

Alternative

Savings

Products Number Pct of Col Pct of Col Pct of Col Pct of Col

Individual Development Accounts (IDA)

Yes 269 3.7 45.8 20.1 2.2

No 6,871 96.2 54.1 79.8 97.7

Total 7,140 100 100 100 100

Non-Response Rate 188 2.5 4.0 3.1 2.5

Specialized Savings Clubs

Yes 2,916 41.0 37.5 53.6 40.0

No 4,181 58.9 62.5 46.3 59.9

Total 7,097 100 100 100 100

Non-Response Rate 231 3.1 4.0 3.1 3.1

Workplace Based Savings

Yes 670 9.4 52.1 31.3 7.4

No 6,445 90.5 47.8 68.6 92.5

Total 7,115 100 100 100 100

Non-Response Rate 213 2.9 8.0 3.5 2.8

Youth (Minor) Savings Accounts

Yes 5,832 81.6 82.6 90.8 80.9

No 1,309 18.3 17.3 9.1 19.0

Total 7,141 100 100 100 100

Non-Response Rate 187 2.5 8.0 2.6 2.5

At least one of the above

Yes 6,211 86.7 87.5 93.6 86.1

No 952 13.2 12.5 6.3 13.8

Total 7,164 100 100 100 100

Non-Response Rate 164 2.2 4.0 2.6 2.2

Other Savings Products

Yes 1,566 27.7 55.5 44.3 26.4

No 4,077 72.2 44.4 55.6 73.5

Total 5,644 100 100 100 100

Non-Response Rate 1,684 22.9 28.0 29.7 22.3

Notes:

Proportions are calculated based on respondents that answered the question.

Figures do not always reconcile to totals because of rounding.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 50
Table 4.3.1

Accept Non-traditional forms of identification at Account Opening by Asset Size

Asset Size

All Banks

Greater

than $38

Billion

(Largest)

$1 Billion

to $38

Billion

(Midsize)

Less than

$1 Billion

(Smallest)

Non-Traditional

Forms of

Identification Number Pct of Col Pct of Col Pct of Col Pct of Col

Foreign Passport

Yes 4,061 57.6 95.8 74.5 56.0

No 2,988 42.3 4.1 25.4 43.9

Total 7,050 100 100 100 100

Non-Response Rate 278 3.8 4.0 4.0 3.7

Other Foreign ID

Yes 2,792 39.7 91.6 52.5 38.4

No 4,234 60.2 8.3 47.4 61.5

Total 7,026 100 100 100 100

Non-Response Rate 302 4.1 4.0 4.4 4.1

ITIN

Yes 5,137 72.5 75.0 84.8 71.5

No 1,939 27.4 25.0 15.1 28.4

Total 7,076 100 100 100 100

Non-Response Rate 252 3.4 4.0 3.1 3.4

Foreign Passport, Other Foreign ID, or ITIN

Yes 5,909 83.0 100 92.6 82.1

No 1,210 16.9 - 7.3 17.8

Total 7,119 100 100 100 100

Non-Response Rate 209 2.8 4.0 3.1 2.8

Notes:

Proportions are calculated based on respondents that answered the question.

Figures do not always reconcile to totals because of rounding.

' - ' = For this table cell, there were no sample observations.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 51
Table 4.3.2

Treatment of Adverse Information during Application Screening on Checking and Savings Accounts

by Asset Size

Checking Application Screening:

How is Adverse Information Handled?

Savings Application Screening:

How is Adverse Information Handled?

All

Banks

Automatically

Rejected

Reviewed

within

Location

Reviewed

elsewhere Other

No

Response

Automatically

Rejected

Reviewed

within

Location

Reviewed

elsewhere Other

No

Response

Asset Size Number Pct of Row

Pct of

Row

Pct of

Row

Pct of

Row

Pct of

Row Pct of Row

Pct of

Row

Pct of

Row

Pct of

Row

Pct of

Row

Greater than $38 Billion

(Largest)

25 12.0 52.0 - 28.0 8.0 16.0 56.0 - 20.0 8.0

$1 Billion to $38 Billion

(Midsize)

559 20.4 55.1 8.0 12.8 3.5 16.8 58.6 8.4 12.4 3.5

Less than $1 Billion

(Smallest)

6,745 24.6 47.9 9.1 13.5 4.7 19.8 51.1 8.5 14.5 5.9

Total 7,329 24.2 48.5 9.0 13.5 4.6 19.6 51.6 8.4 14.3 5.8

Notes:

Proportions are calculated based on respondents and non-respondents.

Figures do not always reconcile to totals because of rounding.

' - ' = For this table cell, there were no sample observations.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 52
Table 4.3.3

Reasons for account application denial by Asset Size

Asset Size

All Banks

Greater

than $38

Billion

(Largest)

$1 Billion

to $38

Billion

(Midsize)

Less than

$1 Billion

(Smallest)

Reasons for account application denial Number Pct of Col Pct of Col Pct of Col Pct of Col

Most Common Reason for Denial: Checking Application

Insufficient identification 1,255 17.7 12.5 15.3 17.9

Negative Screening Hit, Prior Account Closure or Mismanagement 4,631 65.3 70.8 71.1 64.8

Negative Screening Hit, Fraud 206 2.9 4.1 6.5 2.6

No credit score/insufficient or negative credit history 461 6.5 - 2.7 6.8

Insufficient initial deposit 153 2.1 - 0.9 2.2

Other 382 5.3 12.5 3.2 5.5

Total 7,090 100 100 100 100

Non-Response Rate 238 3.2 4.0 4.4 3.1

Most Common Reason for Denial: Savings Application

Insufficient identification 1,712 24.3 17.3 25.0 24.3

Negative Screening Hit, Prior Account Closure or Mismanagement 3,918 55.7 69.5 61.1 55.2

Negative Screening Hit, Fraud 238 3.3 4.3 4.6 3.2

No credit score/insufficient or negative credit history 392 5.5 - 1.8 5.9

Insufficient initial deposit 339 4.8 - 3.7 4.9

Other 426 6.0 8.6 3.7 6.2

Total 7,028 100 100 100 100

Non-Response Rate 300 4.1 8.0 4.0 4.1

Notes:

Proportions are calculated based on respondents that answered the question.

Figures do not always reconcile to totals because of rounding.

' - ' = For this table cell, there were no sample observations.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 53
Table 4.3.4

Offers a 'Stepping Stone' or 'Second Chance' Account to Individuals not Qualified for Conventional

Accounts by Asset Size

Offers Stepping Stone or

Second Chance Account

All Banks Yes No

No

Response

Asset Size Number

Pct of

Col

Pct of

Row

Pct of

Row

Pct of

Row

Greater than $38 Billion (Largest) 25 0.3 44.0 48.0 8.0

$1 Billion to $38 Billion (Midsize) 559 7.6 32.0 64.0 4.0

Less than $1 Billion (Smallest) 6,745 92.0 20.1 74.7 5.0

Total 7,329 100 21.1 73.8 4.9

Notes:

Proportions are calculated based on respondents and non-respondents.

Figures do not always reconcile to totals because of rounding.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 54
Table 5.1

Percent of Banks Offering Auxiliary Products to Basic Accountholders and Non-Customers

Basic

Accountholders Non-Customers

Auxiliary Products Percent Percent

Cashing Payroll Checks 71.4 47.3

Money Orders 68.2 32.8

Cashier, Bank or Other Official Checks 86.1 35.2

In-Person Third Party Bill Pay 22.1 9.1

International Remittances 56.6 8.7

Domestic Remittances 68.1 11.2

Notes:

Proportions are calculated based on respondents that answered the question.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 55
Table 5.1.1.a

Auxiliary Products Offered to Basic Accountholders by Asset Size

Asset Size

All Banks

Greater

than $38

Billion

(Largest)

$1 Billion

to $38

Billion

(Midsize)

Less than

$1 Billion

(Smallest)

Auxiliary

Products Number Pct of Col Pct of Col Pct of Col Pct of Col

Cashing Payroll Checks

Yes 5,123 71.4 80.0 77.2 70.9

No 2,044 28.5 20.0 22.7 29.0

Total 7,167 100 100 100 100

Non-Response Rate 161 2.2 2.2 2.2

Money Orders

Yes 4,695 68.2 84.0 66.2 68.3

No 2,185 31.7 16.0 33.7 31.6

Total 6,881 100 100 100 100

Non-Response Rate 447 6.1 4.0 6.3

Cashier, Bank or Other Official Checks

Yes 5,999 86.1 95.8 91.1 85.7

No 963 13.8 4.1 8.8 14.2

Total 6,962 100 100 100 100

Non-Response Rate 366 4.9 4.0 4.4 5.0

In-Person Third Party Bill Pay

Yes 1,525 22.1 12.5 18.3 22.5

No 5,347 77.8 87.5 81.6 77.4

Total 6,872 100 100 100 100

Non-Response Rate 456 6.2 4.0 5.3 6.3

International Remittances

Yes 3,890 56.6 64.0 65.4 55.8

No 2,977 43.3 36.0 34.5 44.1

Total 6,868 100 100 100 100

Non-Response Rate 460 6.2 6.2 6.3

Domestic Remittances

Yes 4,708 68.1 64.0 71.0 67.8

No 2,203 31.8 36.0 28.9 32.1

Total 6,911 100 100 100 100

Non-Response Rate 417 5.7 6.2 5.6

Notes:

Proportions are calculated based on respondents that answered the question.

Figures do not always reconcile to totals because of rounding.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 56
Table 5.1.1.b

Auxiliary Products Offered to Non-Customers by Asset Size

Asset Size

All Banks

Greater

than $38

Billion

(Largest)

$1 Billion

to $38

Billion

(Midsize)

Less than

$1 Billion

(Smallest)

Auxiliary

Products Number Pct of Col Pct of Col Pct of Col Pct of Col

Cashing Payroll Checks

Yes 3,392 47.3 84.0 44.5 47.4

No 3,775 52.6 16.0 55.4 52.5

Total 7,167 100 100 100 100

Non-Response Rate 161 2.2 2.2 2.2

Money Orders

Yes 2,277 32.8 54.1 25.7 33.3

No 4,661 67.1 45.8 74.2 66.6

Total 6,938 100 100 100 100

Non-Response Rate 390 5.3 4.0 4.8 5.3

Cashier, Bank or Other Official Checks

Yes 2,399 35.2 54.1 32.7 35.3

No 4,411 64.7 45.8 67.2 64.6

Total 6,811 100 100 100 100

Non-Response Rate 517 7.0 4.0 4.8 7.2

In-Person Third Party Bill Pay

Yes 627 9.1 8.0 5.6 9.4

No 6,224 90.8 92.0 94.3 90.5

Total 6,852 100 100 100 100

Non-Response Rate 476 6.5 5.3 6.6

Sending International Remittances

Yes 596 8.7 20.0 11.4 8.4

No 6,248 91.2 80.0 88.5 91.5

Total 6,844 100 100 100 100

Non-Response Rate 484 6.6 6.6 6.6

Sending Domestic Remittances

Yes 762 11.2 12.0 10.9 11.2

No 6,018 88.7 88.0 89.0 88.7

Total 6,781 100 100 100 100

Non-Response Rate 547 7.4 6.6 7.5

Notes:

Proportions are calculated based on respondents that answered the question.

Figures do not always reconcile to totals because of rounding.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 57
Table 5.1.2.a

Cashier, Bank or Other Official Checks Offered to Basic Accountholders by Asset Size

Cashier,

Bank or Other Official Checks

All Banks Service is Free Charges a Fee Fee in dollars among those charging a fee

Asset Size Number

Pct of

Col Number

Pct of

Row Number

Pct of

Row Number

Mean

$

Minimum

$

Median

$

Maximum

$

Greater than $38 Billion (Largest) 23 0.4 5 21.7 18 78.2 18 7.58 1.00 8.00 12.00

$1 Billion to $38 Billion (Midsize) 469 8.1 116 24.8 352 75.1 352 6.49 2.00 5.00 50.00

Less than $1 Billion (Smallest) 5,255 91.4 1,446 27.5 3,808 72.4 3,808 4.83 1.00 5.00 25.00

Total 5,748 100 1,568 27.2 4,179 72.7 4,179 4.98 1.00 5.00 50.00

Non-Response Rate 1,580 21.5

Notes:

Proportions are calculated based on respondents that answered the question and that also offer cashier, bank

or other official checks to basic accountholders.

Figures do not always reconcile to totals because of rounding.

Fees are based on a hypothetical $250 auxiliary product.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 58
Table 5.1.2.b

Cashier, Bank or Other Official Checks Offered to Non-Customers by Asset Size

Cashier,

Bank or Other Official Checks

All Banks Service is Free Charges a Fee Fee in dollars among those charging a fee

Asset Size Number

Pct of

Col Number

Pct of

Row Number

Pct of

Row Number

Mean

$

Minimum

$

Median

$

Maximum

$

Greater than $38 Billion (Largest) 13 0.5 1 7.6 12 92.3 12 8.79 1.00 7.75 20.00

$1 Billion to $38 Billion (Midsize) 168 7.0 2 1.4 166 98.5 166 8.61 3.00 7.00 50.00

Less than $1 Billion (Smallest) 2,212 92.4 148 6.7 2,063 93.2 2,063 6.39 1.50 5.00 40.00

Total 2,394 100 152 6.3 2,242 93.6 2,242 6.57 1.00 5.00 50.00

Non-Response Rate 4,934 67.3

Notes:

Proportions are calculated based on respondents that answered the question and that also offer cashier, bank

or other official checks to basic accountholders.

Figures do not always reconcile to totals because of rounding.

Fees are based on a hypothetical $250 auxiliary product.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 59
Table 5.1.3.a

Payroll Check Cashing Services to Basic Accountholders by Asset Size

Cashing Payroll Checks

All Banks Service is Free Charges a Fee Fee in dollars among those charging a fee

Asset Size Number

Pct of

Col Number

Pct of

Row Number

Pct of

Row Number

Mean

$

Minimum

$

Median

$

Maximum

$

Greater than $38 Billion (Largest) 20 0.4 17 85.0 3 15.0 3 4.00 2.50 2.50 7.00

$1 Billion to $38 Billion (Midsize) 404 8.3 397 98.1 7 1.8 7 28.33 5.00 5.00 75.00

Less than $1 Billion (Smallest) 4,425 91.2 4,191 94.7 234 5.2 234 4.90 2.00 5.00 10.00

Total 4,850 100 4,606 94.9 244 5.0 244 5.61 2.00 5.00 75.00

Non-Response Rate 2,478 33.8

Notes:

Proportions are calculated based on respondents that answered the question and that also offer payroll check

cashing service to basic accountholders.

Figures do not always reconcile to totals because of rounding.

Fees are based on a hypothetical $250 auxiliary product.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 60
Table 5.1.3.b

Payroll Check Cashing Services to Non-Customers by Asset Size

Cashing Payroll Checks

All Banks Service is Free Charges a Fee Fee in dollars among those charging a fee

Asset Size Number

Pct of

Col Number

Pct of

Row Number

Pct of

Row Number

Mean

$

Minimum

$

Median

$

Maximum

$

Greater than $38 Billion (Largest) 21 0.6 5 23.8 16 76.1 16 5.76 2.50 5.50 10.00

$1 Billion to $38 Billion (Midsize) 236 7.1 59 25.2 176 74.7 176 6.20 2.50 5.00 25.00

Less than $1 Billion (Smallest) 3,021 92.1 808 26.7 2,212 73.2 2,212 6.55 2.00 5.00 25.00

Total 3,278 100 873 26.6 2,405 73.3 2,405 6.52 2.00 5.00 25.00

Non-Response Rate 4,050 55.2

Notes:

Proportions are calculated based on respondents that answered the question and that also offer payroll check

cashing service to non-customers.

Figures do not always reconcile to totals because of rounding.

Fees are based on a hypothetical $250 auxiliary product.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 61
Table 5.1.4.a

Money Order Services to Basic Accountholders by Asset Size

Money Orders

All Banks Service is Free Charges a Fee Fee in dollars among those charging a fee

Asset Size Number

Pct of

Col Number

Pct of

Row Number

Pct of

Row Number

Mean

$

Minimum

$

Median

$

Maximum

$

Greater than $38 Billion (Largest) 20 0.4 3 15.0 17 85.0 17 5.63 1.50 5.00 25.00

$1 Billion to $38 Billion (Midsize) 335 7.4 69 20.7 265 79.2 265 4.14 0.25 4.00 37.50

Less than $1 Billion (Smallest) 4,127 92.0 1,212 29.3 2,915 70.6 2,915 2.94 1.00 3.00 10.00

Total 4,483 100 1,285 28.6 3,197 71.3 3,197 3.06 0.25 3.00 37.50

Non-Response Rate 2,845 38.8

Notes:

Proportions are calculated based on respondents that answered the question and that also offer money orders

to basic accountholders.

Figures do not always reconcile to totals because of rounding.

Fees are based on a hypothetical $250 auxiliary product.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 62
Table 5.1.4.b

Money Order Services to Non-Customers by Asset Size

Money Orders

All Banks Service is Free Charges a Fee Fee in dollars among those charging a fee

Asset Size Number

Pct of

Col Number

Pct of

Row Number

Pct of

Row Number

Mean

$

Minimum

$

Median

$

Maximum

$

Greater than $38 Billion (Largest) 13 0.5 1 7.6 12 92.3 12 7.66 1.50 5.00 25.00

$1 Billion to $38 Billion (Midsize) 136 6.0 - - 136 100 136 5.19 0.25 5.00 12.00

Less than $1 Billion (Smallest) 2,127 93.4 42 2.0 2,085 98.0 2,085 3.87 1.00 3.00 20.00

Total 2,277 100 43 1.9 2,233 98.0 2,233 3.97 0.25 3.00 25.00

Non-Response Rate 5,051 68.9

Notes:

Proportions are calculated based on respondents that answered the question and that also offer money orders to

non-customers.

Figures do not always reconcile to totals because of rounding.

' - ' = For this table cell, there were no sample observations.

Fees are based on a hypothetical $250 auxiliary product.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 63
Table 5.1.5.a

Domestic Remittance Services to Basic Accountholders by Asset Size

Domestic Remittances

All Banks Service is Free Charges a Fee Fee in dollars among those charging a fee

Asset Size Number

Pct of

Col Number

Pct of

Row Number

Pct of

Row Number

Mean

$

Minimum

$

Median

$

Maximum

$

Greater than $38 Billion (Largest) 15 0.3 2 13.3 13 86.6 13 21.46 1.00 25.00 30.00

$1 Billion to $38 Billion (Midsize) 360 7.6 14 4.1 345 95.8 345 21.19 0.50 20.00 75.00

Less than $1 Billion (Smallest) 4,319 92.0 148 3.4 4,170 96.5 4,170 19.23 2.00 20.00 60.00

Total 4,694 100 165 3.5 4,528 96.4 4,528 19.38 0.50 20.00 75.00

Non-Response Rate 2,634 35.9

Notes:

Proportions are calculated based on respondents that answered the question and that also offer domestic remittance

services to basic accountholders.

Figures do not always reconcile to totals because of rounding.

Fees are based on a hypothetical $250 auxiliary product.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 64
Table 5.1.5.b

Domestic Remittance Services to Non-Customers by Asset Size

Domestic Remittances

All Banks Service is Free Charges a Fee Fee in dollars among those charging a fee

Number

Pct of

Col Number

Pct of

Row Number

Pct of

Row Number

Mean

$

Minimum

$

Median

$

Maximum

$

Greater than $38 Billion (Largest) 2 0.2 - - 2 100 2 14.00 10.00 14.00 18.00

$1 Billion to $38 Billion (Midsize) 57 7.4 - - 57 100 57 27.43 5.00 25.00 99.00

Less than $1 Billion (Smallest) 702 92.1 - - 702 100 702 20.90 5.00 20.00 45.00

Total 761 100 - - 761 100 760 21.38 5.00 20.00 99.00

Non-Response Rate 6,566 89.5

Notes:

Proportions are calculated based on respondents that answered the question and that also offer domestic remittance

services to non-customers.

Figures do not always reconcile to totals because of rounding.

' - ' = For this table cell, there were no sample observations.

Fees are based on a hypothetical $250 auxiliary product.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 65
Table 5.1.6.a

International Remittance Services to Basic Accountholders by Asset Size

International Remittances

All Banks Service is Free Charges a Fee Fee in dollars among those charging a fee

Asset Size Number

Pct of

Col Number

Pct of

Row Number

Pct of

Row Number

Mean

$

Minimum

$

Median

$

Maximum

$

Greater than $38 Billion (Largest) 14 0.3 2 14.2 12 85.7 12 26.33 5.00 32.50 45.00

$1 Billion to $38 Billion (Midsize) 325 8.4 7 2.2 318 97.7 318 38.27 5.00 40.00 75.00

Less than $1 Billion (Smallest) 3,489 91.1 21 0.6 3,468 99.3 3,468 39.00 5.00 40.00 85.00

Total 3,828 100 30 0.8 3,798 99.1 3,798 38.90 5.00 40.00 85.00

Non-Response Rate 3,500 47.7

Notes:

Proportions are calculated based on respondents that answered the question and that also offer international remittance

services to basic accountholders.

Figures do not always reconcile to totals because of rounding.

Fees are based on a hypothetical $250 auxiliary product.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 66
Table 5.1.6.b

International Remittance Services to Non-Customers by Asset Size

International Remittances

All Banks Service is Free Charges a Fee Fee in dollars among those charging a fee

Number

Pct of

Col Number

Pct of

Row Number

Pct of

Row Number

Mean

$

Minimum

$

Median

$

Maximum

$

Greater than $38 Billion (Largest) 3 0.5 - - 3 100 3 9.66 9.00 9.99 10.00

$1 Billion to $38 Billion (Midsize) 57 9.6 - - 57 100 57 38.56 8.00 40.00 99.00

Less than $1 Billion (Smallest) 531 89.4 - - 531 100 531 40.76 10.00 50.00 75.00

Total 593 100 - - 592 100 591 40.39 8.00 50.00 99.00

Non-Response Rate 6,734 91.8

Notes:

Proportions are calculated based on respondents that answered the question and that also offer international remittance

services to non-customers.

Figures do not always reconcile to totals because of rounding.

' - ' = For this table cell, there were no sample observations.

Fees are based on a hypothetical $250 auxiliary product.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 67
Table 5.1.7.a

In Person Third-Party Bill Payment Services to Basic Accountholders by Asset Size

In-Person Third Party Bill Pay

All Banks Service is Free Charges a Fee Fee in dollars among those charging a fee

Asset Size Number

Pct of

Col Number

Pct of

Row Number

Pct of

Row Number

Mean

$

Minimum

$

Median

$

Maximum

$

Greater than $38 Billion (Largest) 3 0.2 1 33.3 2 66.6 2 9.50 7.00 9.50 12.00

$1 Billion to $38 Billion (Midsize) 89 6.4 81 91.6 7 8.3 7 2.35 0.30 0.75 6.00

Less than $1 Billion (Smallest) 1,297 93.3 1,127 86.8 170 13.1 170 2.81 0.50 1.50 10.00

Total 1,390 100 1,210 87.0 179 12.9 179 2.86 0.30 1.00 12.00

Non-Response Rate 5,938 81.0

Notes:

Proportions are calculated based on respondents that answered the question and that also offer in person third-party

bill payment services to basic accountholders.

Figures do not always reconcile to totals because of rounding.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 68
Table 5.1.7.b

In Person Third-Party Bill Payment Services to Non-Customers by Asset Size

In-Person Third Party Bill Pay

All Banks Service is Free Charges a Fee Fee in dollars among those charging a fee

Asset Size Number

Pct of

Col Number

Pct of

Row Number

Pct of

Row Number

Mean

$

Minimum

$

Median

$

Maximum

$

Greater than $38 Billion (Largest) 2 0.3 - - 2 100 2 9.50 7.00 9.50 12.00

$1 Billion to $38 Billion (Midsize) 27 5.2 19 72.7 7 27.2 7 0.51 0.30 0.50 0.75

Less than $1 Billion (Smallest) 489 94.3 425 86.9 63 13.0 63 1.66 1.00 2.00 2.00

Total 518 100 445 85.8 73 14.1 73 1.76 0.30 2.00 12.00

Non-Response Rate 6,810 92.9

Notes:

Proportions are calculated based on respondents that answered the question and that also offer in person third-party

bill payment services to non-customers.

Figures do not always reconcile to totals because of rounding.

' - ' = For this table cell, there were no sample observations.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 69
Table 5.2.1

Auxiliary Products to Basic Accountholders by Branch Concentration in MSAs

Asset Size

All Banks

Greater than

$38 Billion

(Largest)

$1 Billion to

$38 Billion

(Midsize)

Less than $1

Billion

(Smallest)

Branch

Concentration

Auxiliary

Products Number

Pct of

Col Number

Pct of

Col Number

Pct of

Col Number

Pct of

Col

Cashing Payroll Checks

High-MSA Yes 2,677 77.0 20 80.0 295 80.9 2,361 76.5

High-MSA No 798 22.9 5 20.0 69 19.0 723 23.4

Total 3,475 100 25 100 365 100 3,085 100

Non-Response Rate 3,853 52.5 193 34.6 3,659 54.2

Low-MSA Yes 2,445 66.2 - - 126 69.8 2,319 66.0

Low-MSA No 1,246 33.7 - - 54 30.1 1,191 33.9

Total 3,692 100 - - 181 100 3,510 100

Non-Response Rate 3,636 49.6 25 100 377 67.5 3,234 47.9

Money Orders

High-MSA Yes 2,174 63.9 21 84.0 238 67.1 1,914 63.3

High-MSA No 1,227 36.0 4 16.0 116 32.8 1,106 36.6

Total 3,401 100 25 100 355 100 3,021 100

Non-Response Rate 3,927 53.5 203 36.4 3,723 55.2

Low-MSA Yes 2,521 72.4 - - 116 64.3 2,404 72.9

Low-MSA No 958 27.5 - - 64 35.6 893 27.0

Total 3,479 100 - - 181 100 3,298 100

Non-Response Rate 3,849 52.5 25 100 377 67.5 3,446 51.1

Cashier, Bank or Other Official Checks

High-MSA Yes 3,024 89.0 23 95.8 320 90.8 2,680 88.7

High-MSA No 373 10.9 1 4.1 32 9.1 340 11.2

Total 3,398 100 24 100 352 100 3,021 100

Non-Response Rate 3,930 53.6 1 4.0 206 36.8 3,723 55.2

Low-MSA Yes 2,975 83.4 - - 166 91.7 2,808 83.0

Low-MSA No 589 16.5 - - 14 8.2 574 16.9

Total 3,564 100 - - 181 100 3,383 100

Non-Response Rate 3,764 51.3 25 100 377 67.5 3,361 49.8

Notes:

Proportions are calculated based on respondents that answered the question.

Figures do not always reconcile to totals because of rounding.

' - ' = For this table cell, there were no sample observations.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 70
Table 5.2.1

Auxiliary Products to Basic Accountholders by Branch Concentration in MSAs

Asset Size

All Banks

Greater than

$38 Billion

(Largest)

$1 Billion to

$38 Billion

(Midsize)

Less than $1

Billion

(Smallest)

Branch

Concentration

Auxiliary

Products Number

Pct of

Col Number

Pct of

Col Number

Pct of

Col Number

Pct of

Col

In-Person Third Party Bill Pay

High-MSA Yes 539 15.9 3 12.5 47 13.4 489 16.3

High-MSA No 2,834 84.0 21 87.5 303 86.5 2,510 83.6

Total 3,374 100 24 100 350 100 3,000 100

Non-Response Rate 3,954 53.9 1 4.0 208 37.3 3,744 55.5

Low-MSA Yes 985 28.1 - - 49 27.7 936 28.2

Low-MSA No 2,512 71.8 - - 129 72.2 2,383 71.7

Total 3,498 100 - - 178 100 3,319 100

Non-Response Rate 3,830 52.2 25 100 380 68.0 3,425 50.7

International Remittances

High-MSA Yes 1,891 56.4 16 64.0 216 61.7 1,659 55.7

High-MSA No 1,462 43.5 9 36.0 134 38.2 1,319 44.2

Total 3,354 100 25 100 350 100 2,978 100

Non-Response Rate 3,974 54.2 208 37.3 3,766 55.8

Low-MSA Yes 1,999 56.8 - - 126 72.8 1,872 56.0

Low-MSA No 1,515 43.1 - - 47 27.1 1,468 43.9

Total 3,514 100 - - 173 100 3,340 100

Non-Response Rate 3,814 52.0 25 100 385 68.8 3,404 50.4

Domestic Remittances

High-MSA Yes 2,159 63.6 16 64.0 228 65.7 1,914 63.3

High-MSA No 1,234 36.3 9 36.0 119 34.2 1,106 36.6

Total 3,394 100 25 100 347 100 3,021 100

Non-Response Rate 3,934 53.6 211 37.7 3,723 55.2

Low-MSA Yes 2,548 72.4 - - 144 81.6 2,404 71.9

Low-MSA No 968 27.5 - - 32 18.3 936 28.0

Total 3,516 100 - - 176 100 3,340 100

Non-Response Rate 3,812 52.0 25 100 382 68.4 3,404 50.4

Notes:

Proportions are calculated based on respondents that answered the question.

Figures do not always reconcile to totals because of rounding.

' - ' = For this table cell, there were no sample observations.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 71
Table 5.2.2

Auxiliary Products to Non-Customers by Branch Concentration in MSAs

Asset Size

All Banks

Greater than

$38 Billion

(Largest)

$1 Billion to

$38 Billion

(Midsize)

Less than $1

Billion

(Smallest)

Branch

Concentration

Auxiliary

Products Number

Pct of

Col Number

Pct of

Col Number

Pct of

Col Number

Pct of

Col

Cashing Payroll Checks

High-MSA Yes 1,340 38.5 21 84.0 149 40.8 1,170 37.9

High-MSA No 2,135 61.4 4 16.0 216 59.1 1,914 62.0

Total 3,475 100 25 100 365 100 3,085 100

Non-Response Rate 3,853 52.5 193 34.6 3,659 54.2

Low-MSA Yes 2,051 55.5 - - 94 52.0 1,957 55.7

Low-MSA No 1,640 44.4 - - 86 47.9 1,553 44.2

Total 3,692 100 - - 181 100 3,510 100

Non-Response Rate 3,636 49.6 25 100 377 67.5 3,234 47.9

Money Orders

High-MSA Yes 837 24.7 13 54.1 79 22.5 744 24.8

High-MSA No 2,539 75.2 11 45.8 273 77.4 2,255 75.1

Total 3,376 100 24 100 352 100 3,000 100

Non-Response Rate 3,952 53.9 1 4.0 206 36.8 3,744 55.5

Low-MSA Yes 1,440 40.4 - - 57 31.9 1,383 40.8

Low-MSA No 2,121 59.5 - - 121 68.0 2,000 59.1

Total 3,562 100 - - 178 100 3,383 100

Non-Response Rate 3,766 51.3 25 100 380 68.0 3,361 49.8

Cashier, Bank or Other Official Checks

High-MSA Yes 1,037 31.5 13 54.1 109 31.2 914 31.3

High-MSA No 2,252 68.4 11 45.8 240 68.7 2,000 68.6

Total 3,289 100 24 100 350 100 2,915 100

Non-Response Rate 4,039 55.1 1 4.0 208 37.3 3,829 56.7

Low-MSA Yes 1,362 38.6 - - 64 35.6 1,297 38.8

Low-MSA No 2,159 61.3 - - 116 64.3 2,042 61.1

Total 3,521 100 - - 181 100 3,340 100

Non-Response Rate 3,807 51.9 25 100 377 67.5 3,404 50.4

Notes:

Proportions are calculated based on respondents that answered the question.

Figures do not always reconcile to totals because of rounding.

' - ' = For this table cell, there were no sample observations.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 72
Table 5.2.2

Auxiliary Products to Non-Customers by Branch Concentration in MSAs

Asset Size

All Banks

Greater than

$38 Billion

(Largest)

$1 Billion to

$38 Billion

(Midsize)

Less than $1

Billion

(Smallest)

Branch

Concentration

Auxiliary

Products Number

Pct of

Col Number

Pct of

Col Number

Pct of

Col Number

Pct of

Col

In-Person Third Party Bill Pay

High-MSA Yes 168 5.0 2 8.0 17 4.9 148 5.0

High-MSA No 3,145 94.9 23 92.0 335 95.0 2,787 94.9

Total 3,314 100 25 100 352 100 2,936 100

Non-Response Rate 4,014 54.7 206 36.8 3,808 56.4

Low-MSA Yes 459 12.9 - - 12 7.0 446 13.2

Low-MSA No 3,079 87.0 - - 163 92.9 2,915 86.7

Total 3,538 100 - - 176 100 3,361 100

Non-Response Rate 3,790 51.7 25 100 382 68.4 3,383 50.1

Sending International Remittances

High-MSA Yes 162 4.8 5 20.0 29 8.5 127 4.3

High-MSA No 3,167 95.1 20 80.0 318 91.4 2,829 95.6

Total 3,330 100 25 100 347 100 2,957 100

Non-Response Rate 3,998 54.5 211 37.7 3,787 56.1

Low-MSA Yes 434 12.3 - - 29 17.1 404 12.1

Low-MSA No 3,080 87.6 - - 144 82.8 2,936 87.8

Total 3,514 100 - - 173 100 3,340 100

Non-Response Rate 3,814 52.0 25 100 385 68.8 3,404 50.4

Sending Domestic Remittances

High-MSA Yes 198 5.9 3 12.0 24 7.1 170 5.7

High-MSA No 3,129 94.0 22 88.0 320 92.8 2,787 94.2

Total 3,327 100 25 100 345 100 2,957 100

Non-Response Rate 4,001 54.5 213 38.2 3,787 56.1

Low-MSA Yes 564 16.3 - - 32 18.3 531 16.2

Low-MSA No 2,888 83.6 - - 144 81.6 2,744 83.7

Total 3,453 100 - - 176 100 3,276 100

Non-Response Rate 3,875 52.8 25 100 382 68.4 3,468 51.4

Notes:

Proportions are calculated based on respondents that answered the question.

Figures do not always reconcile to totals because of rounding.

' - ' = For this table cell, there were no sample observations.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 73
Table 5.3.1

Auxiliary Products at ATMs or Kiosks to Basic Accountholders by Asset Size

Asset Size

All Banks

Greater

than $38

Billion

(Largest)

$1 Billion

to $38

Billion

(Midsize)

Less than

$1 Billion

(Smallest)

Auxiliary

Products Number Pct of Col Pct of Col Pct of Col Pct of Col

Cashing Payroll Checks

Yes 413 8.1 15.0 6.5 8.2

No 4,660 91.8 85.0 93.4 91.7

Total 5,073 100 100 100 100

Non-Response Rate 2,255 30.7 20.0 25.7 31.2

Money Orders

Yes 244 5.1 4.7 2.7 5.3

No 4,471 94.8 95.2 97.2 94.6

Total 4,716 100 100 100 100

Non-Response Rate 2,612 35.6 16.0 36.4 35.6

Cashier, Bank or Other Official Checks

Yes 265 4.5 - 2.0 4.7

No 5,597 95.4 100 97.9 95.2

Total 5,862 100 100 100 100

Non-Response Rate 1,466 20.0 16.0 14.2 20.5

In-Person Third Party Bill Pay

Yes 71 4.5 - 7.1 4.4

No 1,482 95.4 100 92.8 95.5

Total 1,554 100 100 100 100

Non-Response Rate 5,774 78.7 88.0 81.3 78.5

International Remittances

Yes 158 4.1 13.3 2.1 4.2

No 3,688 95.8 86.6 97.8 95.7

Total 3,847 100 100 100 100

Non-Response Rate 3,481 47.5 40.0 38.6 48.2

Domestic Remittances

Yes 181 3.8 6.2 2.6 3.9

No 4,508 96.1 93.7 97.3 96.0

Total 4,689 100 100 100 100

Non-Response Rate 2,639 36.0 36.0 32.8 36.2

Notes:

Proportions are calculated based on respondents that answered the question.

Figures do not always reconcile to totals because of rounding.

' - ' = For this table cell, there were no sample observations.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 74
Table 5.3.2

Auxiliary Products at ATMs or Kiosks to Non-Customers by Asset Size

Asset Size

All Banks

Greater than

$38 Billion

(Largest)

$1 Billion to

$38 Billion

(Midsize)

Less than $1

Billion

(Smallest)

Auxiliary

Products Number

Pct of

Col Number

Pct of

Col Number

Pct of

Col Number

Pct of

Col

Cashing Payroll Checks

Yes 153 4.7 - - 4 2.0 148 5.0

No 3,086 95.2 21 100 236 97.9 2,829 95.0

Total 3,240 100 21 100 240 100 2,978 100

Non-Response Rate 4,088 55.7 4 16.0 318 56.8 3,766 55.8

Money Orders

Yes 151 6.6 - - 2 1.8 148 7.0

No 2,124 93.3 14 100 131 98.1 1,978 93.0

Total 2,275 100 14 100 134 100 2,127 100

Non-Response Rate 5,053 68.9 11 44.0 424 76.0 4,617 68.4

Cashier, Bank or Other Official Checks

Yes 153 6.4 - - 4 2.8 148 6.7

No 2,222 93.5 13 100 166 97.1 2,042 93.2

Total 2,376 100 13 100 171 100 2,191 100

Non-Response Rate 4,952 67.5 12 48.0 387 69.3 4,553 67.5

In-Person Third Party Bill Pay

Yes 21 3.3 - - - - 21 3.5

No 606 96.6 2 100 29 100 574 96.4

Total 627 100 2 100 29 100 595 100

Non-Response Rate 6,701 91.4 23 92.0 529 94.6 6,149 91.1

International Remittances

Yes 21 3.6 - - - - 21 4.1

No 554 96.3 3 100 62 100 489 95.8

Total 575 100 3 100 62 100 510 100

Non-Response Rate 6,753 92.1 22 88.0 496 88.8 6,234 92.4

Domestic Remittances

Yes 21 2.7 - - - - 21 3.0

No 741 97.2 3 100 57 100 680 96.9

Total 762 100 3 100 57 100 702 100

Non-Response Rate 6,566 89.5 22 88.0 501 89.7 6,042 89.5

Notes:

Proportions are calculated based on respondents that answered the question.

Figures do not always reconcile to totals because of rounding.

' - ' = For this table cell, there were no sample observations.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 75
Table 5.4

Network-Branded Reloadable Prepaid Cards by Asset Size

Asset Size

All Banks

Greater than $38

Billion (Largest)

$1 Billion to $38

Billion (Midsize)

Less than $1

Billion (Smallest)

Network-branded

Reloadable

Prepaid Cards Number

Pct of

Col Number

Pct of

Col Number

Pct of

Col Number

Pct of

Col

Offer directly to Customers

Yes 1,641 23.3 8 32.0 101 19.1 1,531 23.6

No 5,404 76.6 17 68.0 429 80.8 4,957 76.3

Total 7,046 100 25 100 531 100 6,489 100

Non-Response Rate 282 3.8 27 4.8 255 3.7

Offer directly to Non-Customers

Yes 1,020 14.4 6 25.0 57 10.6 957 14.7

No 6,048 85.5 18 75.0 477 89.3 5,553 85.2

Total 7,069 100 24 100 534 100 6,510 100

Non-Response Rate 259 3.5 1 4.0 24 4.4 234 3.4

Issue on behalf of third party businesses that offer directly to consumers

Yes 477 6.7 5 20.0 47 8.7 425 6.5

No 6,573 93.2 20 80.0 489 91.2 6,064 93.4

Total 7,051 100 25 100 536 100 6,489 100

Non-Response Rate 277 3.7 22 4.0 255 3.7

Notes:

Proportions are calculated based on respondents that answered the question.

Figures do not always reconcile to totals because of rounding.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 76
Table 5.5

Non-Traditional Forms of Identification Accepted for Check Cashing by Non-Customers by Asset

Size

Asset Size

All Banks

Greater than

$38 Billion

(Largest)

$1 Billion to

$38 Billion

(Midsize)

Less than $1

Billion

(Smallest)

Non-Traditional

Forms of

Identification Number

Pct of

Col Number

Pct of

Col Number

Pct of

Col Number

Pct of

Col

Bank Cashes Checks for Non-Customers

Yes 2,571 39.2 18 81.8 191 37.9 2,361 39.2

No 3,976 60.7 4 18.1 313 62.0 3,659 60.7

Total 6,547 100 22 100 504 100 6,021 100

Non-Response Rate 781 10.6 3 12.0 54 9.7 723 10.7

Bank Accepts Foreign Passport

Yes 1,376 53.5 18 100 124 65.7 1,234 52.2

No 1,192 46.4 - - 64 34.2 1,127 47.7

Total 2,568 100 18 100 188 100 2,361 100

Non-Response Rate 4,760 64.9 7 28.0 370 66.2 4,383 64.9

Bank Accepts Other Foreign ID

Yes 1,010 39.3 15 83.3 101 53.2 893 37.8

No 1,560 60.6 3 16.6 89 46.7 1,468 62.1

Total 2,571 100 18 100 191 100 2,361 100

Non-Response Rate 4,757 64.9 7 28.0 367 65.7 4,383 64.9

Bank Accepts Passport or Other Foreign ID

Yes 1,457 56.6 18 100 141 74.0 1,297 54.9

No 1,113 43.3 - - 49 25.9 1,063 45.0

Total 2,571 100 18 100 191 100 2,361 100

Non-Response Rate 4,757 64.9 7 28.0 367 65.7 4,383 64.9

Notes:

Proportions are calculated based on respondents that answered the question.

Figures do not always reconcile to totals because of rounding.

' - ' = For this table cell, there were no sample observations.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 77
Table 5.6

Unsecured Personal Loan Characteristics by Asset Size

Asset Size

All Banks

Greater than

$38 Billion

(Largest)

$1 Billion to

$38 Billion

(Midsize)

Less than $1

Billion

(Smallest)

Unsecured Personal Loan

Characteristics Number

Pct of

Col Number

Pct of

Col Number

Pct of

Col Number

Pct of

Col

Bank Offers Unsecured Personal Loans

Yes 6,283 87.7 20 83.3 454 83.9 5,808 88.0

No 878 12.2 4 16.6 86 16.0 787 11.9

Total 7,161 100 24 100 541 100 6,596 100

Non-Response Rate 167 2.2 1 4.0 17 3.1 148 2.2

Requires Minimum Amount for Unsecured Personal Loans

None Stated 2,720 43.2 - - 124 27.3 2,595 44.6

Yes: Less than or equal to $2,500 3,323 52.8 14 70.0 288 63.3 3,021 52.0

Yes: More than $2,500 239 3.8 6 30.0 42 9.2 191 3.2

Total 6,283 100 20 100 454 100 5,808 100

Non-Response Rate 1,045 14.2 5 20.0 104 18.6 936 13.8

Offers RepaymentPeriod 90+ Days

Yes 5,156 82.0 18 90.0 414 91.2 4,723 81.3

No 1,126 17.9 2 10.0 39 8.7 1,085 18.6

Total 6,283 100 20 100 454 100 5,808 100

Non-Response Rate 1,045 14.2 5 20.0 104 18.6 936 13.8

Offers APR 36 Percent or Less

Yes 5,584 89.1 19 95.0 437 96.1 5,127 88.6

No 677 10.8 1 5.0 17 3.8 659 11.3

Total 6,262 100 20 100 454 100 5,787 100

Non-Response Rate 1,066 14.5 5 20.0 104 18.6 957 14.1

Offers Streamlined Application Process

Yes 5,692 90.5 17 85.0 377 83.0 5,298 91.2

No 590 9.4 3 15.0 77 16.9 510 8.7

Total 6,283 100 20 100 454 100 5,808 100

Non-Response Rate 1,045 14.2 5 20.0 104 18.6 936 13.8

Offers Safe Unsecured Personal Loans

Yes 4,071 64.8 10 50.0 295 65.0 3,766 64.8

No 2,211 35.1 10 50.0 159 34.9 2,042 35.1

Total 6,283 100 20 100 454 100 5,808 100

Non-Response Rate 1,045 14.2 5 20.0 104 18.6 936 13.8

Notes:

Proportions are calculated based on respondents that answered the question.

Figures do not always reconcile to totals because of rounding.

' - ' = For this table cell, there were no sample observations.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 78
Table 5.6.1

Unsecured Personal Loan by Minimum Loan Amount by Asset Size

Asset Size

All Banks

Greater than $38

Billion (Largest)

$1 Billion to $38

Billion (Midsize)

Less than $1 Billion

(Smallest)

Requires Minimum Amount

for Unsecured Personal

Loans Number Pct of Col Number Pct of Col Number Pct of Col Number Pct of Col

None Stated 2,720 43.2 - - 124 27.3 2,595 44.6

Yes: Less than or equal to $2,500 3,323 52.8 14 70.0 288 63.3 3,021 52.0

Yes: More than $2,500 239 3.8 6 30.0 42 9.2 191 3.2

Total 6,283 100 20 100 454 100 5,808 100

Non-Response Rate 1,045 14.2 5 20.0 104 18.6 936 13.8

Notes:

Proportions are calculated based on respondents that answered the question and that also offer unsecured personal loans.

Figures do not always reconcile to totals because of rounding.

' - ' = For this table cell, there were no sample observations.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 79
Table 5.6.2

Unsecured Personal Loan Repayment Period by Asset Size

Asset Size

All Banks

Greater than $38

Billion (Largest)

$1 Billion to $38

Billion (Midsize)

Less than $1 Billion

(Smallest)

Offers

Repayment

Period 90+ Days Number Pct of Col Number Pct of Col Number Pct of Col Number Pct of Col

Yes 4,916 81.3 12 85.7 372 90.3 4,532 80.6

No 1,126 18.6 2 14.2 39 9.6 1,085 19.3

Total 6,043 100 14 100 412 100 5,617 100

Non-Response Rate 1,285 17.5 11 44.0 146 26.2 1,127 16.7

Notes:

Proportions are calculated based on respondents that answered the question and that also offer unsecured personal

loans with a minimum balance of $2,500 or less.

Figures do not always reconcile to totals because of rounding.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 80
Table 5.6.3

Unsecured Personal Loan APR by Asset Size

Asset Size

All Banks

Greater than $38

Billion (Largest)

$1 Billion to $38

Billion (Midsize)

Less than $1 Billion

(Smallest)

Offers APR 36

Percent or Less Number Pct of Col Number Pct of Col Number Pct of Col Number Pct of Col

Yes 5,344 88.7 13 92.8 395 95.7 4,936 88.2

No 677 11.2 1 7.1 17 4.2 659 11.7

Total 6,022 100 14 100 412 100 5,596 100

Non-Response Rate 1,306 17.8 11 44.0 146 26.2 1,148 17.0

Notes:

Proportions are calculated based on respondents that answered the question and that also offer unsecured personal loans

with a minimum balance of $2,500 or less.

AnnualPercentage Rate (APR) includes upfront fees plus interest.

Figures do not always reconcile to totals because of rounding.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 81
Table 5.6.4

Unsecured Personal Loan Underwriting by Asset Size

Asset Size

All Banks

Greater than $38

Billion (Largest)

$1 Billion to $38

Billion (Midsize)

Less than $1 Billion

(Smallest)

Offers

Streamlined

Application

Process Number Pct of Col Number Pct of Col Number Pct of Col Number Pct of Col

Yes 5,540 91.6 11 78.5 337 81.9 5,191 92.4

No 503 8.3 3 21.4 74 18.0 425 7.5

Total 6,043 100 14 100 412 100 5,617 100

Non-Response Rate 1,285 17.5 11 44.0 146 26.2 1,127 16.7

Notes:

Proportions are calculated based on respondents that answered the question and that also offer unsecured personal loans

with a minimum balance of $2,500 or less.

Figures do not always reconcile to totals because of rounding.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 82
Table 6.1.1

Financial Education and Outreach by Asset Size

Asset Size

All Banks

Greater than

$38 Billion

(Largest)

$1 Billion to

$38 Billion

(Midsize)

Less than $1

Billion

(Smallest)

Financial

Education and

Outreach Number

Pct of

Col Number

Pct of

Col Number

Pct of

Col Number

Pct of

Col

Teach Basic Financial Education Topics

Yes 3,469 48.4 22 88.0 447 82.5 3,000 45.4

No 3,693 51.5 3 12.0 94 17.4 3,595 54.5

Total 7,162 100 25 100 541 100 6,596 100

Non-Response Rate 166 2.2 17 3.1 148 2.2

Funding to Community Partners

Yes 3,620 50.5 24 96.0 447 82.5 3,149 47.7

No 3,542 49.4 1 4.0 94 17.4 3,446 52.2

Total 7,162 100 25 100 541 100 6,596 100

Non-Response Rate 166 2.2 17 3.1 148 2.2

Provide Technical Expertise

Yes 3,914 55.5 23 95.8 444 83.6 3,446 53.1

No 3,130 44.4 1 4.1 86 16.3 3,042 46.8

Total 7,045 100 24 100 531 100 6,489 100

Non-Response Rate 283 3.8 1 4.0 27 4.8 255 3.7

Free Counseling

Yes 5,703 80.7 24 96.0 444 84.0 5,234 80.3

No 1,362 19.2 1 4.0 84 15.9 1,276 19.6

Total 7,065 100 25 100 529 100 6,510 100

Non-Response Rate 263 3.6 29 5.3 234 3.4

Other

Yes 734 23.9 6 66.6 111 41.6 617 22.1

No 2,329 76.0 3 33.3 156 58.3 2,170 77.8

Total 3,064 100 9 100 268 100 2,787 100

Non-Response Rate 4,264 58.1 16 64.0 290 52.0 3,957 58.6

Notes:

Proportions are calculated based on respondents that answered the question.

Figures do not always reconcile to totals because of rounding.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 83
Table 6.1.2

Effectiveness Rating of Financial Education and Outreach by Asset Size

Asset Size

All Banks

Greater than $38

Billion (Largest)

$1 Billion to $38

Billion (Midsize)

Less than $1 Billion

(Smallest)

Financial

Education and

Outreach Number Pct of Col Number Pct of Col Number Pct of Col Number Pct of Col

Teach Basic Financial Education Topics

Not effective at all 47 1.4 - - 4 1.1 42 1.4

Slightly effective 941 27.8 2 9.0 109 24.8 829 28.4

Effective 1,437 42.5 18 81.8 206 46.8 1,212 41.6

Very effective 299 8.8 1 4.5 64 14.6 234 8.0

Don't know 651 19.2 1 4.5 54 12.4 595 20.4

Total 3,376 100 22 100 439 100 2,915 100

Non-Response Rate 3,952 53.9 3 12.0 119 21.3 3,829 56.7

Fund Community Partners

Not effective at all 109 3.1 1 4.1 2 0.5 106 3.5

Slightly effective 1,097 31.7 1 4.1 96 22.1 1,000 33.3

Effective 1,298 37.5 14 58.3 221 50.5 1,063 35.4

Very effective 310 8.9 4 16.6 72 16.4 234 7.8

Don't know 644 18.6 4 16.6 44 10.2 595 19.8

Total 3,461 100 24 100 437 100 3,000 100

Non-Response Rate 3,867 52.7 1 4.0 121 21.7 3,744 55.5

Provide Technical Expertise

Not effective at all 71 1.8 - - 7 1.6 63 1.8

Slightly effective 1,064 27.5 1 4.5 84 19.1 978 28.7

Effective 1,604 41.4 14 63.6 228 51.6 1,361 40.0

Very effective 354 9.1 3 13.6 74 16.8 276 8.1

Don't know 774 20.0 4 18.1 47 10.6 723 21.2

Total 3,868 100 22 100 442 100 3,404 100

Non-Response Rate 3,460 47.2 3 12.0 116 20.8 3,340 49.5

Offer Free Counseling

Not effective at all 87 1.5 - - 2 0.5 85 1.6

Slightly effective 1,634 28.8 1 4.1 101 23.0 1,531 29.5

Effective 2,488 43.9 17 70.8 216 48.8 2,255 43.4

Very effective 813 14.3 3 12.5 86 19.6 723 13.9

Don't know 633 11.1 3 12.5 34 7.8 595 11.4

Total 5,657 100 24 100 442 100 5,191 100

Non-Response Rate 1,671 22.8 1 4.0 116 20.8 1,553 23.0

Notes:

Proportions are calculated based on respondents that answered the question and that also offer the respective types of

financial education and outreach.

Figures do not always reconcile to totals because of rounding.

' - ' = For this table cell, there were no sample observations.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 84
Table 6.1.2

Effectiveness Rating of Financial Education and Outreach by Asset Size

Asset Size

All Banks

Greater than $38

Billion (Largest)

$1 Billion to $38

Billion (Midsize)

Less than $1 Billion

(Smallest)

Financial

Education and

Outreach Number Pct of Col Number Pct of Col Number Pct of Col Number Pct of Col

Other

Not effective at all 21 3.0 - - - - 21 3.7

Slightly effective 81 11.7 - - 17 15.5 63 11.1

Effective 314 45.4 2 33.3 57 51.1 255 44.4

Very effective 248 35.8 3 50.0 32 28.8 212 37.0

Don't know 27 3.9 1 16.6 4 4.4 21 3.7

Total 692 100 6 100 111 100 574 100

Non-Response Rate 6,636 90.5 19 76.0 447 80.0 6,170 91.4

Notes:

Proportions are calculated based on respondents that answered the question and that also offer the respective types of

financial education and outreach.

Figures do not always reconcile to totals because of rounding.

' - ' = For this table cell, there were no sample observations.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 85
Table 6.1.3

Financial Education and Outreach Frequency by Asset Size

Asset Size

All Banks

Greater than

$38 Billion

(Largest)

$1 Billion to

$38 Billion

(Midsize)

Less than $1

Billion

(Smallest)

Frequency Number

Pct of

Col Number

Pct of

Col Number

Pct of

Col Number

Pct of

Col

No Outreach 974 13.6 - - 17 3.2 957 14.5

One Activity 1,417 19.7 - - 34 6.4 1,383 20.9

Two Activities 1,135 15.8 3 12.0 47 8.7 1,085 16.4

Three Activities 1,519 21.2 1 4.0 114 21.1 1,404 21.2

Four Activities 2,114 29.5 21 84.0 327 60.5 1,766 26.7

Total 7,162 100 25 100 541 100 6,596 100

Non-Response Rate 166 2.2 17 3.1 148 2.2

Notes:

Proportions are calculated based on respondents that answered the question.

Figures do not always reconcile to totals because of rounding.

' - ' = For this table cell, there were no sample observations.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 86
Table 6.2.1

Locations for Financial Education and Outreach by Asset Size

Asset Size

All Banks

Greater than

$38 Billion

(Largest)

$1 Billion to

$38 Billion

(Midsize)

Less than $1

Billion

(Smallest)

Locations Number

Pct of

Col Number

Pct of

Col Number

Pct of

Col Number

Pct of

Col

Public Gatherings/Fairs

Yes 1,988 32.5 18 75.0 268 52.6 1,702 30.5

No 4,119 67.4 6 25.0 240 47.3 3,872 69.4

Total 6,108 100 24 100 509 100 5,574 100

Non-Response Rate 1,220 16.6 1 4.0 49 8.8 1,170 17.3

Workplaces

Yes 1,830 29.9 18 72.0 280 55.6 1,531 27.4

No 4,273 70.0 7 28.0 223 44.3 4,042 72.5

Total 6,104 100 25 100 504 100 5,574 100

Non-Response Rate 1,224 16.7 54 9.7 1,170 17.3

K-12 Schools

Yes 4,509 73.7 22 91.6 444 86.8 4,042 72.5

No 1,601 26.2 2 8.3 67 13.1 1,531 27.4

Total 6,110 100 24 100 511 100 5,574 100

Non-Response Rate 1,218 16.6 1 4.0 47 8.4 1,170 17.3

Government Sites

Yes 656 10.8 10 41.6 114 22.5 531 9.6

No 5,364 89.1 14 58.3 392 77.4 4,957 90.3

Total 6,020 100 24 100 506 100 5,489 100

Non-Response Rate 1,308 17.8 1 4.0 52 9.3 1,255 18.6

Bank Branches

Yes 3,194 52.6 18 72.0 367 72.1 2,808 50.7

No 2,872 47.3 7 28.0 141 27.8 2,723 49.2

Total 6,066 100 25 100 509 100 5,532 100

Non-Response Rate 1,262 17.2 49 8.8 1,212 17.9

Vocational Schools/Colleges

Yes 1,352 22.5 17 70.8 228 45.0 1,106 20.2

No 4,647 77.4 7 29.1 278 54.9 4,361 79.7

Total 5,999 100 24 100 506 100 5,468 100

Non-Response Rate 1,329 18.1 1 4.0 52 9.3 1,276 18.9

Notes:

Proportions are calculated based on respondents that answered the question.

Figures do not always reconcile to totals because of rounding.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 87
Table 6.2.1

Locations for Financial Education and Outreach by Asset Size

Asset Size

All Banks

Greater than

$38 Billion

(Largest)

$1 Billion to

$38 Billion

(Midsize)

Less than $1

Billion

(Smallest)

Locations Number

Pct of

Col Number

Pct of

Col Number

Pct of

Col Number

Pct of

Col

Military Installations

Yes 57 0.9 4 16.6 32 6.3 21 0.3

No 5,986 99.0 20 83.3 477 93.6 5,489 99.6

Total 6,044 100 24 100 509 100 5,510 100

Non-Response Rate 1,284 17.5 1 4.0 49 8.8 1,234 18.2

Nonprofit/Community Organizations

Yes 2,466 40.8 21 87.5 360 70.7 2,085 37.8

No 3,577 59.1 3 12.5 149 29.2 3,425 62.1

Total 6,044 100 24 100 509 100 5,510 100

Non-Response Rate 1,284 17.5 1 4.0 49 8.8 1,234 18.2

Other

Yes 277 10.8 1 10.0 42 18.2 234 10.0

No 2,283 89.1 9 90.0 188 81.7 2,085 89.9

Total 2,560 100 10 100 231 100 2,319 100

Non-Response Rate 4,768 65.0 15 60.0 327 58.6 4,425 65.6

Notes:

Proportions are calculated based on respondents that answered the question.

Figures do not always reconcile to totals because of rounding.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 88
Table 6.2.2

Locations for Financial Education and Outreach by Branch Concentration in LMI and MSA

Geographies

Branch Concentration in LMI

Geographies

Branch Concentration in MSA

Geographies

All Banks Low-LMI High-LMI Low-MSA High-MSA

Locations Number

Pct of

Col Number

Pct of

Col Number

Pct of

Col Number

Pct of

Col Number

Pct of

Col

Public Gatherings/Fairs

Yes 1,988 32.5 1,396 31.3 591 35.6 1,077 33.7 911 31.2

No 4,119 67.4 3,053 68.6 1,066 64.3 2,115 66.2 2,003 68.7

Total 6,108 100 4,450 100 1,657 100 3,192 100 2,915 100

Non-Response Rate 1,220 16.6 787 15.0 433 20.7 504 13.6 716 19.7

Workplaces

Yes 1,830 29.9 1,244 28.1 586 34.9 919 28.6 911 31.4

No 4,273 70.0 3,181 71.8 1,092 65.0 2,289 71.3 1,983 68.5

Total 6,104 100 4,425 100 1,678 100 3,209 100 2,894 100

Non-Response Rate 1,224 16.7 813 15.5 411 19.6 487 13.1 736 20.2

K-12 Schools

Yes 4,509 73.7 3,337 74.6 1,172 71.5 2,475 76.5 2,033 70.7

No 1,601 26.2 1,134 25.3 466 28.4 759 23.4 841 29.2

Total 6,110 100 4,471 100 1,638 100 3,235 100 2,875 100

Non-Response Rate 1,218 16.6 766 14.6 451 21.6 461 12.4 756 20.8

Government Sites

Yes 656 10.8 373 8.4 282 17.5 358 11.4 297 10.3

No 5,364 89.1 4,031 91.5 1,332 82.4 2,788 88.5 2,575 89.6

Total 6,020 100 4,405 100 1,615 100 3,147 100 2,872 100

Non-Response Rate 1,308 17.8 832 15.9 475 22.7 549 14.8 759 20.9

Bank Branches

Yes 3,194 52.6 2,271 51.2 923 56.4 1,512 48.0 1,682 57.6

No 2,872 47.3 2,158 48.7 713 43.5 1,638 51.9 1,234 42.3

Total 6,066 100 4,430 100 1,636 100 3,150 100 2,916 100

Non-Response Rate 1,262 17.2 808 15.4 454 21.7 546 14.7 715 19.7

Vocational Schools/Colleges

Yes 1,352 22.5 886 20.2 465 28.8 739 23.8 612 21.1

No 4,647 77.4 3,502 79.7 1,144 71.1 2,363 76.1 2,283 78.8

Total 5,999 100 4,389 100 1,610 100 3,102 100 2,896 100

Non-Response Rate 1,329 18.1 849 16.2 480 22.9 594 16.0 735 20.2

Notes:

Proportions are calculated based on respondents that answered the question and that also offer financial education

and outreach at the respective locations.

Figures do not always reconcile to totals because of rounding.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 89
Table 6.2.2

Locations for Financial Education and Outreach by Branch Concentration in LMI and MSA

Geographies

Branch Concentration in LMI

Geographies

Branch Concentration in MSA

Geographies

All Banks Low-LMI High-LMI Low-MSA High-MSA

Locations Number

Pct of

Col Number

Pct of

Col Number

Pct of

Col Number

Pct of

Col Number

Pct of

Col

Military Installations

Yes 57 0.9 50 1.1 7 0.4 36 1.1 21 0.7

No 5,986 99.0 4,357 98.8 1,628 99.5 3,132 98.8 2,853 99.2

Total 6,044 100 4,407 100 1,636 100 3,169 100 2,875 100

Non-Response Rate 1,284 17.5 830 15.8 454 21.7 528 14.2 756 20.8

Nonprofit/Community Organizations

Yes 2,466 40.8 1,668 38.0 797 48.1 1,114 35.3 1,352 46.7

No 3,577 59.1 2,718 61.9 859 51.8 2,035 64.6 1,541 53.2

Total 6,044 100 4,386 100 1,657 100 3,150 100 2,893 100

Non-Response Rate 1,284 17.5 851 16.2 433 20.7 546 14.7 737 20.3

Other

Yes 277 10.8 206 11.2 71 9.8 156 11.4 120 10.1

No 2,283 89.1 1,631 88.7 651 90.1 1,213 88.5 1,069 89.8

Total 2,560 100 1,837 100 723 100 1,369 100 1,190 100

Non-Response Rate 4,768 65.0 3,401 64.9 1,367 65.4 2,327 62.9 2,441 67.2

Notes:

Proportions are calculated based on respondents that answered the question and that also offer financial education

and outreach at the respective locations.

Figures do not always reconcile to totals because of rounding.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 90
Table 6.2.3

Effectiveness of Financial Education and Outreach Locations by Asset Size

Asset Size

All Banks

Greater than $38

Billion (Largest)

$1 Billion to $38

Billion (Midsize)

Less than $1 Billion

(Smallest)

Locations Number Pct of Col Number Pct of Col Number Pct of Col Number Pct of Col

Public Gatherings/Fairs

Not Effective at all 83 4.2 - - 19 7.4 63 3.7

Slightly effective 775 38.9 9 50.0 106 39.8 659 38.7

Effective 632 31.8 9 50.0 91 34.2 531 31.2

Very Effective 83 4.2 - - 19 7.4 63 3.7

Don't know 412 20.7 - - 29 11.1 382 22.5

Total 1,988 100 18 100 268 100 1,702 100

Non-Response Rate 5,340 72.8 7 28.0 290 52.0 5,042 74.7

Workplaces

Slightly effective 430 23.5 2 11.7 67 23.8 361 23.6

Effective 963 52.6 12 70.5 163 58.4 787 51.3

Very Effective 253 13.8 3 17.6 37 13.2 212 13.8

Don't know 182 9.9 - - 12 4.4 170 11.1

Total 1,829 100 17 100 280 100 1,531 100

Non-Response Rate 5,499 75.0 8 32.0 278 49.7 5,213 77.2

K-12 Schools

Not Effective at all 47 1.0 - - 4 1.1 42 1.0

Slightly effective 1,305 29.2 2 9.0 111 25.2 1,191 29.7

Effective 1,934 43.3 12 54.5 198 44.9 1,723 43.0

Very Effective 592 13.2 5 22.7 77 17.4 510 12.7

Don't know 584 13.0 3 13.6 49 11.2 531 13.2

Total 4,464 100 22 100 442 100 4,000 100

Non-Response Rate 2,864 39.0 3 12.0 116 20.8 2,744 40.6

Government Sites

Not Effective at all 21 3.2 - - - - 21 4.0

Slightly effective 215 32.8 2 20.0 22 19.5 191 36.0

Effective 324 49.5 5 50.0 64 56.5 255 48.0

Very Effective 56 8.6 2 20.0 12 10.8 42 8.0

Don't know 37 5.6 1 10.0 14 13.0 21 4.0

Total 656 100 10 100 114 100 531 100

Non-Response Rate 6,672 91.0 15 60.0 444 79.5 6,213 92.1

Notes:

Proportions are calculated based on respondents that answered the question and that also offer financial education

and outreach at the respective locations.

Figures do not always reconcile to totals because of rounding.

' - ' = For this table cell, there were no sample observations.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 91
Table 6.2.3

Effectiveness of Financial Education and Outreach Locations by Asset Size

Asset Size

All Banks

Greater than $38

Billion (Largest)

$1 Billion to $38

Billion (Midsize)

Less than $1 Billion

(Smallest)

Locations Number Pct of Col Number Pct of Col Number Pct of Col Number Pct of Col

Bank Branches

Not Effective at all 23 0.7 - - 2 0.6 21 0.7

Slightly effective 961 30.5 1 5.5 67 18.3 893 32.3

Effective 1,730 54.9 12 66.6 228 62.5 1,489 53.8

Very Effective 433 13.7 5 27.7 67 18.3 361 13.0

Total 3,149 100 18 100 365 100 2,766 100

Non-Response Rate 4,179 57.0 7 28.0 193 34.6 3,978 58.9

Vocational Schools/Colleges

Not Effective at all 4 0.3 - - 4 2.1 - -

Slightly effective 421 31.1 - - 59 26.0 361 32.6

Effective 659 48.7 11 64.7 116 51.0 531 48.0

Very Effective 113 8.4 4 23.5 24 10.8 85 7.6

Don't know 152 11.2 2 11.7 22 9.7 127 11.5

Total 1,352 100 17 100 228 100 1,106 100

Non-Response Rate 5,976 81.5 8 32.0 330 59.1 5,638 83.5

Military Installations

Slightly effective 9 17.2 - - 9 30.7 - -

Effective 36 63.7 3 75.0 12 38.4 21 100

Very Effective 2 4.3 - - 2 7.6 - -

Don't know 8 14.6 1 25.0 7 23.0 - -

Total 57 100 4 100 32 100 21 100

Non-Response Rate 7,271 99.2 21 84.0 526 94.2 6,723 99.6

Nonprofit/Community Organizations

Not Effective at all 106 4.3 - - - - 106 5.2

Slightly effective 496 20.4 - - 91 25.5 404 19.7

Effective 1,179 48.6 12 57.1 188 52.4 978 47.9

Very Effective 334 13.7 8 38.0 49 13.7 276 13.5

Don't know 307 12.6 1 4.7 29 8.2 276 13.5

Total 2,423 100 21 100 360 100 2,042 100

Non-Response Rate 4,905 66.9 4 16.0 198 35.5 4,702 69.7

Notes:

Proportions are calculated based on respondents that answered the question and that also offer financial education

and outreach at the respective locations.

Figures do not always reconcile to totals because of rounding.

' - ' = For this table cell, there were no sample observations.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 92
Table 6.2.3

Effectiveness of Financial Education and Outreach Locations by Asset Size

Asset Size

All Banks

Greater than $38

Billion (Largest)

$1 Billion to $38

Billion (Midsize)

Less than $1 Billion

(Smallest)

Locations Number Pct of Col Number Pct of Col Number Pct of Col Number Pct of Col

Other

Slightly effective 42 18.5 - - - - 42 22.2

Effective 81 35.3 - - 17 46.6 63 33.3

Very Effective 82 35.7 1 100 17 46.6 63 33.3

Don't know 23 10.3 - - 2 6.6 21 11.1

Total 229 100 1 100 37 100 191 100

Non-Response Rate 7,099 96.8 24 96.0 521 93.3 6,553 97.1

Notes:

Proportions are calculated based on respondents that answered the question and that also offer financial education

and outreach at the respective locations.

Figures do not always reconcile to totals because of rounding.

' - ' = For this table cell, there were no sample observations.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 93
7.1.1

Profitability as an Obstacle by Asset Size

Asset Size

All Banks

Greater

than $38

Billion

(Largest)

$1 Billion

to $38

Billion

(Midsize)

Less than

$1 Billion

(Smallest)

Profitability Number Pct of Col Pct of Col Pct of Col Pct of Col

Major obstacle 1,729 24.4 45.8 26.6 24.1

Minor obstacle 2,779 39.2 41.6 39.9 39.2

Not an obstacle at all 1,800 25.4 8.3 25.6 25.4

Don't know 766 10.8 4.1 7.7 11.1

Total 7,076 100 100 100 100

Non-Response Rate 252 3.4 4.0 3.1 3.4

Notes:

Proportions are calculated based on respondents that answered the question.

Figures do not always reconcile to totals because of rounding.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 94
7.1.2

Fraud as an Obstacle by Asset Size

Asset Size

All Banks

Greater

than $38

Billion

(Largest)

$1 Billion

to $38

Billion

(Midsize)

Less than

$1 Billion

(Smallest)

Fraud Number Pct of Col Pct of Col Pct of Col Pct of Col

Major obstacle 2,220 31.8 40.0 35.0 31.5

Minor obstacle 3,290 47.2 36.0 44.2 47.5

Not an obstacle at all 954 13.6 20.0 14.2 13.6

Don't know 503 7.2 4.0 6.4 7.3

Total 6,968 100 100 100 100

Non-Response Rate 360 4.9 3.5 5.0

Notes:

Proportions are calculated based on respondents that answered the question.

Figures do not always reconcile to totals because of rounding.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 95
7.1.3

Nonbank Competition as an Obstacle by Asset Size

Asset Size

All Banks

Greater

than $38

Billion

(Largest)

$1 Billion

to $38

Billion

(Midsize)

Less than

$1 Billion

(Smallest)

Nonbank

Competition Number Pct of Col Pct of Col Pct of Col Pct of Col

Major obstacle 1,117 15.8 28.0 24.3 15.1

Minor obstacle 2,709 38.5 48.0 34.4 38.8

Not an obstacle at all 1,981 28.1 16.0 23.3 28.6

Don't know 1,226 17.4 8.0 17.8 17.4

Total 7,035 100 100 100 100

Non-Response Rate 293 4.0 3.1 4.1

Notes:

Proportions are calculated based on respondents that answered the question.

Figures do not always reconcile to totals because of rounding.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 96
7.1.4

Types of Nonbank Competition Obstacles by Asset Size

Asset Size

All Banks

Greater than

$38 Billion

(Largest)

$1 Billion to

$38 Billion

(Midsize)

Less than $1

Billion

(Smallest)

Nonbank Competition Number Pct of Col Pct of Col Pct of Col Pct of Col

Check cashers 1,167 31.0 27.7 44.8 29.8

Payday lenders 1,275 33.9 5.5 19.6 35.4

Money order providers 135 3.5 - 2.3 3.7

Retail Businesses Offering Network-Branded Reloadable

Prepaid Cards

391 10.4 33.3 14.1 9.9

Other 256 6.8 16.6 6.2 6.8

Don't know 532 14.1 16.6 12.5 14.2

Total 3,759 100 100 100 100

Non-Response Rate 3,569 48.7 28.0 43.5 49.2

Notes:

Proportions are calculated based on respondents that answered the question and that also reported the respective types

of nonbank competition as a major or minor obstacle.

Figures do not always reconcile to totals because of rounding.

' - ' = For this table cell, there were no sample observations.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 97
7.1.5

Underwriting as an Obstacle by Asset Size

Asset Size

All Banks

Greater

than $38

Billion

(Largest)

$1 Billion

to $38

Billion

(Midsize)

Less than

$1 Billion

(Smallest)

Underwriting Number Pct of Col Pct of Col Pct of Col Pct of Col

Major obstacle 2,002 28.4 32.0 34.7 27.9

Minor obstacle 2,937 41.7 40.0 37.9 42.1

Not an obstacle at all 1,169 16.6 20.0 14.8 16.7

Don't know 920 13.0 8.0 12.5 13.1

Total 7,030 100 100 100 100

Non-Response Rate 298 4.0 4.0 4.1

Notes:

Proportions are calculated based on respondents that answered the question.

Figures do not always reconcile to totals because of rounding.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 98
7.2.1

Product Development as an Obstacle by Asset Size

Asset Size

All Banks

Greater

than $38

Billion

(Largest)

$1 Billion

to $38

Billion

(Midsize)

Less than

$1 Billion

(Smallest)

Product

Development Number Pct of Col Pct of Col Pct of Col Pct of Col

Major obstacle 828 11.7 8.0 15.1 11.5

Minor obstacle 3,160 44.9 64.0 46.3 44.7

Not an obstacle at all 2,128 30.2 28.0 30.2 30.2

Don't know 917 13.0 - 8.2 13.4

Total 7,035 100 100 100 100

Non-Response Rate 293 4.0 3.1 4.1

Notes:

Proportions are calculated based on respondents that answered the question.

Figures do not always reconcile to totals because of rounding.

' - ' = For this table cell, there were no sample observations.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 99
7.2.2

Lack of Consumer Understanding as an Obstacle by Asset Size

Asset Size

All Banks

Greater

than $38

Billion

(Largest)

$1 Billion

to $38

Billion

(Midsize)

Less than

$1 Billion

(Smallest)

Lack of

Consumer

Understanding Number Pct of Col Pct of Col Pct of Col Pct of Col

Major obstacle 2,220 31.4 40.0 34.8 31.1

Minor obstacle 3,044 43.1 44.0 45.4 42.9

Not an obstacle at all 721 10.2 12.0 6.8 10.4

Don't know 1,070 15.1 4.0 12.8 15.4

Total 7,056 100 100 100 100

Non-Response Rate 272 3.7 3.1 3.7

Notes:

Proportions are calculated based on respondents that answered the question.

Figures do not always reconcile to totals because of rounding.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 100
7.2.3

Lack of Familiarity as an Obstacle by Asset Size

Asset Size

All Banks

Greater

than $38

Billion

(Largest)

$1 Billion

to $38

Billion

(Midsize)

Less than

$1 Billion

(Smallest)

Lack of

Familiarity Number Pct of Col Pct of Col Pct of Col Pct of Col

Major obstacle 402 5.7 4.0 7.3 5.5

Minor obstacle 2,969 42.0 44.0 47.2 41.6

Not an obstacle at all 2,822 40.0 52.0 39.4 40.0

Don't know 862 12.2 - 5.9 12.7

Total 7,056 100 100 100 100

Non-Response Rate 272 3.7 3.1 3.7

Notes:

Proportions are calculated based on respondents that answered the question.

Figures do not always reconcile to totals because of rounding.

' - ' = For this table cell, there were no sample observations.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 101
7.2.4

Lack of Customer Demand as an Obstacle by Asset Size

Asset Size

All Banks

Greater

than $38

Billion

(Largest)

$1 Billion

to $38

Billion

(Midsize)

Less than

$1 Billion

(Smallest)

Lack of

Customer

Demand Number Pct of Col Pct of Col Pct of Col Pct of Col

Major obstacle 1,268 17.9 8.0 13.7 18.3

Minor obstacle 2,633 37.3 40.0 40.3 37.0

Not an obstacle at all 1,366 19.3 40.0 26.6 18.6

Don't know 1,788 25.3 12.0 19.2 25.9

Total 7,056 100 100 100 100

Non-Response Rate 272 3.7 3.1 3.7

Notes:

Proportions are calculated based on respondents that answered the question.

Figures do not always reconcile to totals because of rounding.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 102
7.2.5

Effective Product Marketing as an Obstacle by Asset Size

Asset Size

All Banks

Greater

than $38

Billion

(Largest)

$1 Billion

to $38

Billion

(Midsize)

Less than

$1 Billion

(Smallest)

Effective Product

Marketing Number Pct of Col Pct of Col Pct of Col Pct of Col

Major obstacle 1,076 19.1 20.0 24.2 18.6

Minor obstacle 3,109 55.2 64.0 55.7 55.1

Not an obstacle at all 1,438 25.5 16.0 20.0 26.1

Total 5,624 100 100 100 100

Non-Response Rate 1,704 23.2 15.5 23.9

Notes:

Proportions are calculated based on respondents that answered the question.

Figures do not always reconcile to totals because of rounding.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 103
7.3.1

Regulatory Environment as an Obstacle by Asset Size

Asset Size

All Banks

Greater

than $38

Billion

(Largest)

$1 Billion

to $38

Billion

(Midsize)

Less than

$1 Billion

(Smallest)

Regulatory

Environment Number Pct of Col Pct of Col Pct of Col Pct of Col

Major obstacle 2,456 34.9 33.3 31.6 35.1

Minor obstacle 2,081 29.5 37.5 33.0 29.2

Not an obstacle at all 1,596 22.7 25.0 26.6 22.3

Don't know 899 12.7 4.1 8.7 13.1

Total 7,034 100 100 100 100

Non-Response Rate 294 4.0 4.0 3.1 4.1

Notes:

Proportions are calculated based on respondents that answered the question.

Figures do not always reconcile to totals because of rounding.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 104
7.3.2

Customer ID as an Obstacle by Asset Size

Asset Size

All Banks

Greater than

$38 Billion

(Largest)

$1 Billion to $38

Billion (Midsize)

Less than $1

Billion

(Smallest)

Customer ID Number Pct of Col Pct of Col Pct of Col Pct of Col

Major obstacle 1,811 40.2 29.4 41.8 40.2

Minor obstacle 2,145 47.7 47.0 45.3 47.9

Not an obstacle at all 513 11.4 17.6 12.0 11.3

Don't know 24 0.5 5.8 0.7 0.5

Total 4,495 100 100 100 100

Non-Response Rate 2,833 38.6 32.0 37.3 38.8

Notes:

Respondents that did not consider the regulatory environment as a major or minor obstacle in offering financial products

and services to unbanked and underbanked consumers are excluded.

Figures do not always reconcile to totals because of rounding.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 105
7.3.3

Bank Secrecy Act (BSA)/Anti-Money Laundering (AML) as an Obstacle by Asset Size

Asset Size

All Banks

Greater than $38

Billion (Largest)

$1 Billion to $38

Billion (Midsize)

Less than $1

Billion (Smallest)

BSA/AML Number Pct of Col Pct of Col Pct of Col Pct of Col

Major obstacle 1,529 34.0 17.6 34.7 34.0

Minor obstacle 2,184 48.5 47.0 50.3 48.4

Not an obstacle at all 711 15.8 29.4 13.4 15.9

Don't know 69 1.5 5.8 1.4 1.5

Total 4,495 100 100 100 100

Non-Response Rate 2,833 38.6 32.0 37.3 38.8

Notes:

Proportions are calculated based on respondents that answered the question and that also considered the regulatory environment

as a major or minor obstacle in offering financial products and services to the unbanked and underbanked.

Figures do not always reconcile to totals because of rounding.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 106
7.3.4

Fair Lending/Compliance Risk as an Obstacle by Asset Size

Asset Size

All Banks

Greater than $38

Billion (Largest)

$1 Billion to $38

Billion (Midsize)

Less than $1

Billion (Smallest)

Fair

Lending/Compliance

risk Number Pct of Col Pct of Col Pct of Col Pct of Col

Major obstacle 1,586 35.4 23.5 32.6 35.7

Minor obstacle 1,928 43.1 41.1 38.2 43.5

Not an obstacle at all 930 20.8 23.5 27.6 20.2

Don't know 28 0.6 11.7 1.4 0.5

Total 4,473 100 100 100 100

Non-Response Rate 2,855 38.9 32.0 37.3 39.1

Notes:

Proportions are calculated based on respondents that answered the question and that also considered the regulatory environment

as a major or minor obstacle in offering financial products and services to the unbanked and underbanked.

Figures do not always reconcile to totals because of rounding.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 107
7.3.5

Third-party Relationship Risk as an Obstacle by Asset Size

Asset Size

All Banks

Greater than $38

Billion (Largest)

$1 Billion to $38

Billion (Midsize)

Less than $1

Billion (Smallest)

Third-party

relationship risk Number Pct of Col Pct of Col Pct of Col Pct of Col

Major obstacle 882 19.8 6.2 14.8 20.3

Minor obstacle 1,830 41.1 43.7 46.8 40.6

Not an obstacle at all 698 15.6 12.5 22.6 15.1

Don't know 1,039 23.3 37.5 15.6 23.9

Total 4,451 100 100 100 100

Non-Response Rate 2,877 39.2 36.0 37.3 39.4

Notes:

Proportions are calculated based on respondents that answered the question and that also considered the regulatory environment

as a major or minor obstacle in offering financial products and services to the unbanked and underbanked.

Figures do not always reconcile to totals because of rounding.

_____________________________________________________________________________________________ 

2011 FDIC Survey of Banks’ Efforts to Serve the Unbanked and Underbanked • December 2012 – Appendix A 108