Addendum to the 2011

FDIC National 

Survey of 

Unbanked and 

Underbanked 

Households

Use of Alternative Financial 

Services

June 2013

Federal Deposit 

Insurance Corporation
FDIC National Survey of Unbanked and Underbanked Households - Use ofAlernative F

Members of the FDIC Unbanked/Underbanked Survey Study Group 

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

Susan Burhouse, Yazmin Osaki, and Anirudh Sarna

Lead Statistical Analysts and Advisors 

Sarah Campbell, David Chapman, and Ryan Goodstein 

Contributors:

Michael Bachman, Karyen Chu, Peggi Gill, Francis Solomon, David Spanburg, Masseh Tahiry, and Kathy Zeidler
FDIC National Survey of Unbanked and Underbanked Households - Use of Aternative 

1. Introduction ...................................................................................................................................................5

2. Summary of Results ........................................................................................................................................7

3. Methodological Note .....................................................................................................................................9

4. National Level Tables ...................................................................................................................................11

5. State Summary Tables ..................................................................................................................................27

6. State Level Tables .........................................................................................................................................65

Table of Contents
FDIC National Survey of Unbanked and Underbanked Households - Use of Aternative 
FDIC National Survey of Unbanked and Underbanked Households - Use ofAlernative F

1. Introduction

This addendum to the 2011 FDIC National Survey of 

Unbanked and Underbanked Households provides nationaland state-level information on the use of alternative financial services (AFS). It complements the national data on 

AFS use presented in the 2011 report and the appendices 

that were released in September 2012.1

The FDIC National Survey of Unbanked and Underbanked 

Households was conducted in June 2011 as a special supplement to the U.S. Census Bureau’s Current Population 

Survey. The FDIC survey was designed to collect data on 

the banking status of U.S. households and to better understand unbanked and underbanked populations. 

The survey was undertaken as part of the FDIC’s efforts to 

comply with a statutory mandate that requires the FDIC to 

conduct ongoing surveys of bank efforts to serve the 

unbanked by providing important data about underserved 

households. Beyond estimating the number of unbanked 

and underbanked households and their demographic characteristics, the survey estimates the types of bank accounts 

that banked households own, the use of AFS, and reasons 

cited by households that are not fully using the mainstream 

banking system. 

While the 2011 report included national-level findings 

regarding use of AFS, this addendum provides additional 

national data on the types, timing, and extent of AFS use 

among all households. The addendum also reports statelevel results on the use of credit and transaction AFS products (non-bank money orders, non-bank check cashing, 

non-bank remittances, payday lending, pawnshops, rent-toown stores, and refund anticipation loans). 

The definition of an underbanked household was revised for 

the 2011 report. As a result, the estimates of the proportion 

of households that were underbanked in 2011 are not 

directly comparable with estimates previously reported for 

2009. In the 2011 report, underbanked households are 

defined as those that used non-bank check cashing, nonbank money orders, non-bank remittances, payday lending, 

pawnshops, rent-to-own agreements, or refund anticipation 

loans (RALs) at least once in the previous 12 months. This 

differs from the underbanked definition used in the 2009 

report in several ways. The 2009 definition of underbanked 

households did not include non-bank remittance use, as this 

information was not collected. The 2009 survey also considered households that used RALs in the previous five years 

to be underbanked, while the 2011 definition includes only 

those households that used RALs in the previous year. 

Finally, the 2011 report defines underbanked households as 

1 2011 FDIC National Survey of Unbanked and Underbanked Households 

can be found at http://www.fdic.gov/householdsurvey/2012_unbankedreport.

pdf. 

those that used one of the AFS credit products or transaction services “in the last 12 months,” while in 2009 households were considered to be underbanked if they used AFS 

“once or twice a year” or “at least a few times a year.” 
FDIC National Survey of Unbanked and Underbanked Households - Use ofAlernative F
FDIC National Survey of Unbanked and Underbanked Households - Use ofAlernative F

2. Summary of Results

2.1 National Tables

The tables in Section A present national-level estimates of 

AFS use by household demographic characteristics, further 

subdivided by banking status. The first series of tables 

provide an in-depth look at households that have used AFS. 

These tables include estimates of the number and proportion of households that have used transaction AFS and 

credit AFS, and estimates of the number and proportion 

that have used these products in the past year. 

The 2011 FDIC Survey of Unbanked and Underbanked 

Households included analysis of the use of AFS among all 

U.S. households. To complement the 2011 household 

survey, a set of tables in Section A of the 2011 addendum 

provides more detailed information on the demographic 

characteristics of households that have used transaction or 

credit AFS. An additional set of tables provides a breakdown of transaction and credit product use within the past 

year. 

National-level Summary:

• One-quarter of households have used at least one AFS 

product in the past year, including 65 percent of 

unbanked households. By definition, all underbanked 

households have used AFS in the past year.

• At least 12 percent of households used AFS products in 

the last 30 days, including about four in ten unbanked 

and underbanked households (45.5 percent of 

unbanked households and 41.2 percent of underbanked 

households). 

• At least 42.9 percent of all U.S. households have used 

one or more of the following types of AFS (“ever used 

AFS”): non-bank money orders, non-bank check cashing, non-bank remittances, payday loans, pawnshop 

loans, rent-to-own agreements, and refund anticipation 

loans. About 54 percent of all households have never 

used these services. In 2009, 35.7 percent of all U.S. 

households had used AFS, and about 60 percent had 

never used these products (though data on household 

use of non-bank remittances were not collected in 

2009). 

• Compared with the national average (42.9 percent), 

higher proportions of black (63.8 percent) and 

Hispanic (54.4 percent) households have used AFS. In 

contrast, only 37.6 percent of white households have 

used AFS. 

Transaction AFS (non-bank money orders, non-bank check 

cashing, and non-bank remittances) have been used by 39.1 

percent of all U.S. households. More than one in five 

households (23.3 percent) have used a transaction AFS in 

the past year, including 62.1 percent of unbanked households and almost all underbanked households (90.4 

percent).

Use of credit AFS (payday loans, pawnshop loans, rent-toown agreements, and refund anticipation loans) is less widespread; 14.2 percent of all U.S. households have used these 

services. Six percent have used a credit AFS product in the 

past year. 

More than 30 percent of unbanked households did not use 

AFS in the past year, including at least one in five (20.6 

percent) that have never used these services. This pattern 

suggests a heavy reliance on cash transactions or other 

informal financial relationships. 

2.2 State Tables

Sections B and C provide information on AFS use specific 

to each of the 50 states and the District of Columbia. 

Tables in Section B provide state-level data on households 

that have ever used AFS as well as data on the timing of 

AFS use. For each state, Section B also presents the shares 

of households that have used each of the AFS products 

included in the 2011 household survey (i.e., non-bank 

money orders, non-bank check cashing, non-bank remittances, payday loans, pawnshop loans, rent-to-own agreements, and refund anticipation loans). Tables in Section C 

provide more detailed estimates of the timing of AFS use by 

banking status and household characteristics. 

State-level Summary:

• Household use of AFS varies considerably across states. 

The state-level share of households that have ever used 

AFS ranges from 30.8 percent in New Hampshire to 

almost 60 percent in Alabama. Colorado, where 42.7 

percent of households have ever used AFS, represents 

the median. In the 2009 survey, AFS usage (excluding 

non-bank remittances) ranged from a high of 49.2 

percent in Alaska to a low of 25.3 percent in 

Massachusetts.

• Among unbanked households, the proportion that has 

ever used AFS ranges from about 55 percent in 

Connecticut to more than 93 percent in Tennessee. 

About three in four unbanked households in Nebraska 

(75.4 percent) have used AFS, representing the median 

across states. In 2009, AFS usage (excluding non-bank 

remittances) ranged from 88.7 percent of unbanked 
FDIC National Survey of Unbanked and Underbanked Households - Use ofAlernative F

households in Montana to 40.9 percent of unbanked 

households in Hawaii.

• Although the overall proportion of households in 

Tennessee that have ever used AFS, at 43 percent, 

is close to the median, Tennessee has the highest 

proportion of unbanked households that have ever 

used AFS, at 93.3 percent. About 12 percent of all 

households in Tennessee have used AFS in the 

past 30 days, compared with almost 60 percent of 

unbanked households in the same period. Among 

black households in Tennessee, 55.5 percent have 

ever used AFS and about 24 percent have used 

AFS in the last 30 days, almost double the state 

average.

• In Connecticut, 30.7 percent of all households and 

slightly more than half (54.6 percent) of unbanked 

households have ever used AFS, the latter being 

the lowest of any state. Almost 7 percent of all 

households and 23.9 percent of unbanked households in Connecticut have used an AFS product in 

the last 30 days. Among black households in 

Connecticut, 61.1 percent have used AFS and 

almost one in four has used an AFS product in the 

last 30 days, more than four times the state 

average. 

• In New Mexico, 43.4 percent of unbanked households 

have never used AFS, the highest proportion of any 

state. This suggests a reliance on cash transactions or 

other informal financial relationships. In contrast, only 

6.7 percent of unbanked households in Tennessee have 

never used AFS, the lowest proportion among states.

• At the state level, the share of households that have 

ever used transaction AFS ranges from 25.2 percent in 

Minnesota to almost 54 percent in Alabama , while the 

share of households that have used a transaction AFS 

in the past year ranges from about 12.6 percent in New 

Hampshire to almost one in three households (32.7 

percent) in Texas.

• Household use of credit AFS products is less common 

and varies less across states when compared with transaction AFS products. The state-level share of households that have ever used credit AFS products ranges 

from less than 8 percent in New Hampshire to 21.7 

percent in Texas, while credit AFS product use in the 

last year ranges from 2.5 percent in New Hampshire 

and New York to more than one in ten households 

(11.9 percent) in Nevada.
FDIC National Survey of Unbanked and Underbanked Households - Use ofAlernative F

3. Methodological Note

The data for this report were collected through the 2011 

FDIC National Survey of Unbanked and Underbanked 

Households. The Current Population Study (CPS) is a 

monthly survey of about 53,700 interviewed households 

conducted by the U.S. Census Bureau for the Bureau of 

Labor Statistics (BLS). The CPS sample is representative of 

the U.S. civilian, non-institutionalized population, aged 15 

or older. 

The CPS is the primary source of information on the labor 

force characteristics of the U.S. population, including 

employment, unemployment, and earnings statistics. Additional information about the CPS is provided in the Census 

Bureau’s Technical Paper 66, Design and Methodology of 

the CPS, available at http://www.census.gov/prod/2006pubs/

tp-66.pdf.

The Unbanked/Underbanked Supplement was conducted in 

June 2011. About 44,900 (84 percent) of the 53,700 households participating in the CPS also participated in the 

Unbanked/Underbanked Supplement.1

 The response rates 

for the 2011 Unbanked/Underbanked supplement vary by 

demographic group, ranging from 79 percent to 86 percent.

The 2011 Unbanked/Underbanked Supplement represents 

the second time this survey has been conducted. The first 

Unbanked/Underbanked Supplement was conducted in 

January 2009. The primary purpose of the supplement is to 

estimate the percentage of U.S. households that are 

“unbanked” and “underbanked” and to identify the reasons 

why these households do not participate fully in the mainstream banking system. The supplement survey instrument 

used in 2011, Appendix G of the 2011 FDIC Survey of 

Unbanked and Underbanked Households, included about 

40 questions designed to gather this information. The 2011 

survey instrument contains minor revisions to the 2009 

survey instrument. The 2009 survey instrument underwent 

four rounds of cognitive field pre-testing and was revised to 

address the feedback gathered from each round2. The 2011 

survey instrument underwent an expert review process by 

the US Census Bureau. For a detailed description of the 

revisions, see Appendix F (Revisions to the 2011 Survey 

Instrument) in the 2011 FDIC Survey of Unbanked and 

Underbanked Households. Because of changes in the questionnaire, direct comparisons between 2009 and 2011 estimates are limited and in some instances impossible.

1 Taking into account the nonresponse to basic CPS questions, the overall 

response rate for the Unbanked/Underbanked Supplement was 76 percent.

2 The goal of each round was to determine respondents’ comprehension of 

each question, test the flow of the questions, find major recall difficulties, 

ascertain the sensitivity or inappropriateness of any questions, and gauge 

the operational feasibility of the supplement. No changes to the survey were 

recommended following the fourth round of testing.

All households that participated in the June 2011 CPS were 

eligible to participate in the Unbanked/Underbanked 

Supplement. However, only households whose respondents 

specified that they had some level of participation in their 

household finances and also responded “Yes” or “No” to 

whether someone in their household had a bank account 

(survey supplement Question 2, or Q2) were considered 

survey respondents. CPS household respondents who did 

not answer or answered “Don’t Know” to Q2, or who did 

not participate in their household financial decisions (or 

refused to answer) were asked no further questions and were 

classified as nonrespondents for the supplement.

Using supplement survey results, households were classified 

as “unbanked” if they answered “No” to the question, “Do 

you or does anyone in your household currently have a 

checking or savings account?” Households answering “Yes” 

to this question were classified as “underbanked” if they 

indicated that they had used at least one of the following 

alternative financial services (AFS) at least one time in the 

previous 12 months: non-bank money orders, non-bank 

check-cashing services, non-bank remittances, payday loans, 

rent-to-own services, pawn shops, or refund anticipation 

loans. 

The 2011 definition of “underbanked” has been revised 

from the 2009 definition to include households that used 

non-bank remittances in the last year. The 2011 underbanked definition was also modified to include only households that used a refund anticipation loan in the last year, 

as opposed to in the last five years–the basis for the 2009 

report. Further, survey respondents to the 2011 survey were 

asked about their AFS use over definitive time periods (i.e. 

“in the last 30 days,” “in the last 2-12 months” or “not in 

the last 2-12 months”), while respondents to the 2009 

survey could indicate AFS use more generally (i.e. “at least 

a few times a year,” “once or twice a year” or “almost 

never”). Consequently, 2011 underbanked estimates are not 

directly comparable to 2009 estimates (see Box 2 on page 

19 of 2011 FDIC Household Survey Report).

Demographic characteristics such as race, age, education, 

and employment, associated with a respondent household 

for the supplement are those reported for the householder/ 

reference person (i.e., a person who owns or rents the home, 

as designated by the respondent). These characteristics were 

used in preparing addendum estimates and tables.

The Census Bureau classifies households into different 

types. For instance, a family household is a household that 

includes two or more people related by birth, marriage, or 

adoption and residing together, along with any unrelated 

people who may be residing there. Detailed definitions 

regarding household types can be found in the CPS Glos-
FDIC National Survey of Unbanked and Underbanked Households - Use ofAlernative Fi

sary available at http://www.census.gov/cps/about/cpsdef.

html.

Households are categorized into racial-ethnic classifications 

as follows: If the householder is identified as black, the 

household is classified as “Black” regardless of whether the 

householder is identified as Hispanic or any other race. If 

the householder is not identified as black and is identified 

as Hispanic, the household is classified as “Hispanic NonBlack.” If the householder is identified as white and not any 

other race and non-Hispanic, then the household is classified as “White.” All remaining households are classified as 

“Other.” However, in some national summary tables, the 

“Other” category is further disaggregated into “Asian” if the 

householder is identified as Asian, “American Indian/Alaskan” if the householder is identified as American Indian/

Alaskan and not Asian, and “Hawaiian/Pacific Islander” if 

the householder is identified as Hawaiian/Pacific Islander 

and not Asian or American Indian/Alaskan. In these tables, 

“Other” consists of the few remaining households in which 

the householder cannot be classified into any of the preceding groups.

Additional information regarding the unbanked/underbanked supplemental survey methodology can be found in 

Appendix E “FDIC Technical Notes” of the 2011 FDIC 

Survey of Unbanked and Underbanked Households 

(September 2012) available at http://www.fdic.gov/householdsurvey/2012_unbankedreport.pdf.
FDIC National Survey of Unbanked and Underbanked Households - Use of Aternative F

4. National Level Tables
FDIC National Survey of Unbanked and Underbanked Households - Use of Aternative F

Table A-1 Households’ Use of AFS by Demographic Characteristic

Household Characteristic

All Households

Ever Used An AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used 

Transaction AFS

Used Transaction 

AFS in the Last Year

Ever Used Credit 

AFS

Used Credit AFS in 

the Last Year

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

All Households 120,408 100.0 51,611 42.9 65,335 54.3 3,461 2.9 47,109 39.1 28,011 23.3 17,109 14.2 7,243 6.0

Banking Status

Unbanked 9,875 100.0 7,338 74.3 2,036 20.6 501 5.1 6,968 70.6 6,137 62.1 3,138 31.8 1,660 16.8

Underbanked 24,199 100.0 24,199 100.0 0 0.0 0 0.0 22,711 93.9 21,874 90.4 9,011 37.2 5,583 23.1

Fully Banked 82,830 100.0 19,531 23.6 63,299 76.4 0 0.0 16,945 20.5 0 0.0 4,855 5.9 0 0.0

Banked but Underbanked 

Status Unknown 3,504 100.0 543 15.5 0 0.0 2,961 84.5 485 13.8 0 0.0 105 3.0 0 0.0

Household Family Type

Family household 78,826 100.0 34,509 43.8 42,255 53.6 2,062 2.6 31,399 39.8 19,211 24.4 11,742 14.9 5,282 6.7

Female householder, no 

husband present 15,575 100.0 9,221 59.2 5,898 37.9 456 2.9 8,287 53.2 6,062 38.9 4,108 26.4 2,032 13.0

Male householder, no 

wife present 5,661 100.0 3,109 54.9 2,346 41.4 206 3.6 2,816 49.8 2,069 36.5 1,260 22.3 674 11.9

Married couple 57,591 100.0 22,179 38.5 34,011 59.1 1,400 2.4 20,295 35.2 11,081 19.2 6,374 11.1 2,576 4.5

Nonfamily household 41,479 100.0 17,042 41.1 23,042 55.6 1,395 3.4 15,657 37.7 8,771 21.1 5,352 12.9 1,959 4.7

Female householder 21,688 100.0 8,082 37.3 12,803 59.0 803 3.7 7,453 34.4 3,881 17.9 2,364 10.9 831 3.8

Male householder 19,791 100.0 8,960 45.3 10,239 51.7 591 3.0 8,203 41.5 4,889 24.7 2,988 15.1 1,129 5.7

Other 102 100.0 60 58.7 37 36.7 5 4.6 54 52.7 29 28.2 16 15.2 1 1.4

Race and Ethnicity of Householder

Black 16,046 100.0 10,242 63.8 5,170 32.2 633 3.9 9,471 59.0 7,166 44.7 4,251 26.5 1,870 11.7

Hispanic non-Black 13,710 100.0 7,461 54.4 5,880 42.9 369 2.7 6,911 50.4 5,414 39.5 2,159 15.7 1,110 8.1

Asian 4,985 100.0 1,381 27.7 3,439 69.0 165 3.3 1,346 27.0 835 16.7 173 3.5 67 1.3

American Indian/Alaskan 1,389 100.0 793 57.1 553 39.8 44 3.2 692 49.8 459 33.0 359 25.9 161 11.6

Hawaiian/Pacific Islander 267 100.0 138 51.9 126 47.0 3 1.1 121 45.2 79 29.4 58 21.6 33 12.3

White non-Black 

non-Hispanic 83,988 100.0 31,580 37.6 50,167 59.7 2,241 2.7 28,554 34.0 14,056 16.7 10,103 12.0 4,002 4.8

Other non-Black 

non-Hispanic 23 100.0 15 66.4 1 6.5 6 27.1 15 66.4 3 12.7 7 30.0 . .

Spanish is Only Language Spoken

Spanish is not only 

language spoken 117,940 100.0 50,083 42.5 64,470 54.7 3,388 2.9 45,635 38.7 26,751 22.7 16,852 14.3 7,068 6.0

Spanish is only language 

spoken 2,467 100.0 1,528 61.9 865 35.1 74 3.0 1,474 59.7 1,260 51.1 257 10.4 175 7.1

Nativity

U.S.-born 104,143 100.0 44,416 42.6 56,819 54.6 2,908 2.8 40,200 38.6 22,674 21.8 15,938 15.3 6,636 6.4

Foreign-born citizen 8,380 100.0 3,000 35.8 5,124 61.1 256 3.1 2,882 34.4 2,015 24.0 462 5.5 194 2.3

Foreign-born non citizen 7,885 100.0 4,195 53.2 3,392 43.0 298 3.8 4,027 51.1 3,322 42.1 709 9.0 413 5.2

Age Group

15 to 24 years 6,299 100.0 3,429 54.4 2,717 43.1 154 2.4 3,167 50.3 2,514 39.9 1,223 19.4 724 11.5

25 to 34 years 20,374 100.0 10,276 50.4 9,588 47.1 510 2.5 9,316 45.7 6,231 30.6 4,084 20.0 1,978 9.7

35 to 44 years 21,414 100.0 10,190 47.6 10,714 50.0 511 2.4 9,147 42.7 5,732 26.8 3,994 18.7 1,802 8.4

45 to 54 years 24,658 100.0 10,887 44.2 12,973 52.6 798 3.2 9,901 40.2 6,017 24.4 3,823 15.5 1,474 6.0

55 to 64 years 22,036 100.0 9,015 40.9 12,398 56.3 623 2.8 8,315 37.7 4,415 20.0 2,538 11.5 822 3.7

65 years or more 25,625 100.0 7,815 30.5 16,946 66.1 865 3.4 7,264 28.3 3,101 12.1 1,447 5.6 442 1.7

Education

No high school degree 14,321 100.0 7,854 54.8 5,951 41.6 515 3.6 7,250 50.6 5,385 37.6 2,666 18.6 1,391 9.7

High school degree 34,462 100.0 15,851 46.0 17,458 50.7 1,152 3.3 14,288 41.5 9,227 26.8 6,060 17.6 2,746 8.0

Some college 34,010 100.0 15,655 46.0 17,508 51.5 846 2.5 14,010 41.2 8,132 23.9 6,041 17.8 2,410 7.1

College degree 37,615 100.0 12,251 32.6 24,417 64.9 947 2.5 11,561 30.7 5,268 14.0 2,342 6.2 696 1.8

Employment Status

Employed 72,580 100.0 31,124 42.9 39,618 54.6 1,839 2.5 28,391 39.1 16,732 23.1 9,936 13.7 4,126 5.7

Unemployed 6,779 100.0 4,004 59.1 2,608 38.5 167 2.5 3,583 52.9 2,641 39.0 1,951 28.8 1,058 15.6

Not in labor force 41,049 100.0 16,484 40.2 23,109 56.3 1,456 3.5 15,136 36.9 8,637 21.0 5,223 12.7 2,059 5.0

Household Income

Less than $15,000 19,541 100.0 10,745 55.0 8,139 41.6 657 3.4 9,801 50.2 7,073 36.2 4,461 22.8 2,158 11.0

Between $15,000 and 

$30,000 22,073 100.0 11,016 49.9 10,248 46.4 808 3.7 9,931 45.0 6,681 30.3 4,417 20.0 2,010 9.1

Between $30,000 and 

$50,000 24,787 100.0 11,157 45.0 12,948 52.2 683 2.8 9,979 40.3 5,978 24.1 3,848 15.5 1,589 6.4

Between $50,000 and 

$75,000 21,975 100.0 8,532 38.8 12,891 58.7 552 2.5 7,832 35.6 4,063 18.5 2,485 11.3 963 4.4

At Least $75,000 32,032 100.0 10,161 31.7 21,110 65.9 761 2.4 9,566 29.9 4,216 13.2 1,898 5.9 523 1.6

Homeownership

Homeowner 79,144 100.0 28,318 35.8 48,548 61.3 2,278 2.9 25,924 32.8 12,735 16.1 7,382 9.3 2,585 3.3

Non-homeowner 41,264 100.0 23,293 56.4 16,787 40.7 1,183 2.9 21,185 51.3 15,276 37.0 9,727 23.6 4,658 11.3

Geographic Region

Northeast 21,784 100.0 8,653 39.7 12,494 57.4 637 2.9 8,201 37.6 4,630 21.3 2,035 9.3 741 3.4

Midwest 26,900 100.0 10,740 39.9 15,340 57.0 820 3.0 9,623 35.8 5,384 20.0 3,727 13.9 1,461 5.4

South 44,920 100.0 21,202 47.2 22,446 50.0 1,271 2.8 19,280 42.9 12,209 27.2 7,563 16.8 3,504 7.8

West 26,804 100.0 11,016 41.1 15,055 56.2 734 2.7 10,006 37.3 5,787 21.6 3,785 14.1 1,536 5.7

Metropolitan Status

Metropolitan Area 100,311 100.0 42,350 42.2 54,983 54.8 2,978 3.0 38,733 38.6 23,271 23.2 13,833 13.8 5,762 5.7

Inside principal city 33,636 100.0 15,540 46.2 17,040 50.7 1,056 3.1 14,330 42.6 9,453 28.1 5,191 15.4 2,243 6.7

Not inside principal city 49,548 100.0 19,478 39.3 28,602 57.7 1,467 3.0 17,888 36.1 10,182 20.5 5,808 11.7 2,381 4.8

Not identified 17,127 100.0 7,332 42.8 9,341 54.5 454 2.7 6,514 38.0 3,636 21.2 2,834 16.5 1,139 6.6

Not in Metropolitan Area 19,193 100.0 8,789 45.8 9,938 51.8 466 2.4 7,946 41.4 4,443 23.1 3,084 16.1 1,398 7.3

Not Identified 903 100.0 473 52.3 413 45.8 17 1.9 430 47.6 297 32.9 191 21.2 83 9.1

Notes:

Figures do not always reconcile to totals because of rounding.

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund 

anticipation loans. 
FDIC National Survey of Unbanked and Underbanked Households - Use of Aternative F

Table A-2 Unbanked Households’ Use of AFS by Demographic Characteristic

Household Characteristic

All Unbanked 

Households

Ever Used An AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used 

Transaction AFS

Used Transaction 

AFS in the Last Year

Ever Used Credit 

AFS

Used Credit AFS in 

the Last Year

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

All Unbanked Households 9,875 100.0 7,338 74.3 2,036 20.6 501 5.1 6,968 70.6 6,137 62.1 3,138 31.8 1,660 16.8

Household Family Type

Family household 5,905 100.0 4,710 79.8 972 16.5 223 3.8 4,454 75.4 4,013 68.0 2,091 35.4 1,176 19.9

Female householder, no 

husband present 2,971 100.0 2,405 81.0 476 16.0 90 3.0 2,238 75.3 1,995 67.2 1,157 38.9 614 20.7

Male householder, no 

wife present 807 100.0 636 78.8 127 15.7 44 5.5 612 75.9 569 70.6 279 34.5 177 22.0

Married couple 2,127 100.0 1,669 78.5 369 17.4 88 4.2 1,604 75.4 1,449 68.1 655 30.8 384 18.1

Nonfamily household 3,960 100.0 2,623 66.2 1,059 26.7 278 7.0 2,508 63.3 2,124 53.6 1,047 26.4 484 12.2

Female householder 1,702 100.0 1,019 59.9 545 32.0 138 8.1 972 57.1 799 46.9 417 24.5 206 12.1

Male householder 2,258 100.0 1,604 71.0 514 22.8 140 6.2 1,536 68.1 1,325 58.7 630 27.9 277 12.3

Other 11 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Race and Ethnicity of Householder

Black 3,430 100.0 2,559 74.6 639 18.6 233 6.8 2,390 69.7 2,100 61.2 1,129 32.9 542 15.8

Hispanic non-Black 2,762 100.0 2,030 73.5 636 23.0 95 3.5 1,948 70.5 1,792 64.9 534 19.3 309 11.2

Asian 134 100.0 49 36.5 77 56.9 9 6.6 49 36.5 41 30.1 3 2.3 2 1.5

American Indian/Alaskan 202 100.0 162 80.5 35 17.3 5 2.3 157 77.8 139 68.9 66 32.8 45 22.3

Hawaiian/Pacific Islander 17 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

White non-Black 

non-Hispanic 3,330 100.0 2,526 75.8 646 19.4 158 4.7 2,411 72.4 2,053 61.6 1,401 42.1 757 22.7

Spanish is Only Language Spoken

Spanish is not only 

language spoken 8,965 100.0 6,690 74.6 1,820 20.3 455 5.1 6,332 70.6 5,548 61.9 3,044 34.0 1,595 17.8

Spanish is only language 

spoken 910 100.0 649 71.2 216 23.7 46 5.1 637 69.9 589 64.7 94 10.4 64 7.1

Nativity

U.S.-born 7,673 100.0 5,845 76.2 1,440 18.8 387 5.0 5,524 72.0 4,810 62.7 2,898 37.8 1,524 19.9

Foreign-born citizen 453 100.0 230 50.9 192 42.5 30 6.7 218 48.3 194 42.8 60 13.3 29 6.5

Foreign-born non citizen 1,750 100.0 1,263 72.2 403 23.1 83 4.8 1,226 70.1 1,133 64.8 180 10.3 106 6.1

Age Group

15 to 24 years 1,094 100.0 846 77.3 211 19.3 37 3.4 810 74.0 716 65.4 300 27.4 166 15.1

25 to 34 years 2,587 100.0 2,097 81.1 388 15.0 102 3.9 1,980 76.6 1,787 69.1 953 36.8 566 21.9

35 to 44 years 1,994 100.0 1,603 80.4 317 15.9 74 3.7 1,502 75.3 1,390 69.7 754 37.8 424 21.3

45 to 54 years 2,002 100.0 1,466 73.2 419 20.9 117 5.8 1,406 70.2 1,213 60.6 680 33.9 329 16.5

55 to 64 years 1,202 100.0 849 70.7 257 21.4 95 7.9 809 67.4 686 57.1 346 28.8 118 9.8

65 years or more 997 100.0 477 47.9 444 44.5 75 7.6 460 46.2 345 34.6 106 10.6 57 5.8

Education

No high school degree 3,696 100.0 2,622 71.0 914 24.7 159 4.3 2,498 67.6 2,208 59.7 929 25.1 506 13.7

High school degree 3,764 100.0 2,906 77.2 648 17.2 210 5.6 2,740 72.8 2,414 64.1 1,311 34.8 715 19.0

Some college 2,002 100.0 1,588 79.3 323 16.1 91 4.5 1,518 75.8 1,335 66.7 822 41.1 407 20.3

College degree 413 100.0 221 53.6 151 36.5 41 10.0 213 51.5 180 43.5 76 18.4 32 7.8

Employment Status

Employed 3,818 100.0 3,016 79.0 618 16.2 184 4.8 2,897 75.9 2,639 69.1 1,219 31.9 659 17.3

Unemployed 1,525 100.0 1,241 81.4 236 15.5 48 3.1 1,153 75.6 1,022 67.1 651 42.7 394 25.8

Not in labor force 4,532 100.0 3,082 68.0 1,182 26.1 268 5.9 2,918 64.4 2,475 54.6 1,269 28.0 607 13.4

Household Income

Less than $15,000 5,510 100.0 4,091 74.3 1,193 21.7 226 4.1 3,873 70.3 3,372 61.2 1,802 32.7 917 16.6

Between $15,000 and 

$30,000 2,581 100.0 1,951 75.6 455 17.6 174 6.8 1,866 72.3 1,656 64.2 828 32.1 462 17.9

Between $30,000 and 

$50,000 1,221 100.0 883 72.3 277 22.7 61 5.0 838 68.6 755 61.8 352 28.9 185 15.1

Between $50,000 and 

$75,000 431 100.0 335 77.7 72 16.7 24 5.6 317 73.5 286 66.3 123 28.5 73 16.9

At Least $75,000 132 100.0 79 59.4 39 29.2 15 11.4 75 56.4 68 51.6 34 25.6 23 17.3

Homeownership

Homeowner 2,238 100.0 1,568 70.0 518 23.2 152 6.8 1,478 66.0 1,250 55.9 608 27.2 310 13.9

Non-homeowner 7,637 100.0 5,771 75.6 1,518 19.9 348 4.6 5,491 71.9 4,887 64.0 2,530 33.1 1,349 17.7

Geographic Region

Northeast 1,537 100.0 1,091 71.0 376 24.5 70 4.5 1,055 68.6 927 60.3 393 25.6 175 11.4

Midwest 1,920 100.0 1,420 74.0 385 20.0 115 6.0 1,337 69.6 1,167 60.8 644 33.5 308 16.1

South 4,493 100.0 3,429 76.3 842 18.7 221 4.9 3,221 71.7 2,811 62.6 1,536 34.2 852 19.0

West 1,925 100.0 1,397 72.6 433 22.5 94 4.9 1,355 70.4 1,232 64.0 565 29.4 324 16.8

Metropolitan Status

Metropolitan Area 8,029 100.0 5,946 74.1 1,647 20.5 436 5.4 5,660 70.5 5,017 62.5 2,480 30.9 1,298 16.2

Inside principal city 4,066 100.0 2,981 73.3 851 20.9 234 5.8 2,851 70.1 2,534 62.3 1,169 28.7 626 15.4

Not inside principal city 2,754 100.0 2,069 75.1 528 19.2 157 5.7 1,971 71.6 1,777 64.5 908 33.0 464 16.8

Not identified 1,209 100.0 896 74.1 269 22.2 45 3.7 838 69.3 706 58.4 403 33.4 208 17.2

Not in Metropolitan Area 1,764 100.0 1,336 75.8 370 21.0 57 3.2 1,257 71.3 1,072 60.8 629 35.7 346 19.6

Not Identified 83 100.0 56 68.2 19 22.5 8 9.3 51 61.5 48 57.7 29 35.6 16 18.9

Notes:

Figures do not always reconcile to totals because of rounding.

NA = Not available because the sample size was too small to make an accurate estimate.

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund anticipation loans. 
FDIC National Survey of Unbanked and Underbanked Households - Use of Aternative F

Table A-3 Underbanked Households’ Use of AFS by Demographic Characteristic

Household Characteristic

All Underbanked 

Households Ever Used An AFS

Memo Items

Ever Used Transaction 

AFS

Used Transaction AFS in 

the Last Year Ever Used Credit AFS

Used Credit AFS in the 

Last Year

Households 

(1,000s) Row Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

All Underbanked Households 24,199 100.0 24,199 100.0 22,711 93.9 21,874 90.4 9,011 37.2 5,583 23.1

Household Family Type

Family household 16,931 100.0 16,931 100.0 15,826 93.5 15,198 89.8 6,438 38.0 4,106 24.3

Female householder, no husband 

present 4,598 100.0 4,598 100.0 4,255 92.5 4,067 88.4 2,187 47.6 1,418 30.8

Male householder, no wife present 1,662 100.0 1,662 100.0 1,548 93.1 1,499 90.2 704 42.4 497 29.9

Married couple 10,671 100.0 10,671 100.0 10,023 93.9 9,632 90.3 3,547 33.2 2,191 20.5

Nonfamily household 7,239 100.0 7,239 100.0 6,856 94.7 6,647 91.8 2,567 35.5 1,476 20.4

Female householder 3,359 100.0 3,359 100.0 3,192 95.0 3,082 91.8 1,118 33.3 624 18.6

Male householder 3,880 100.0 3,880 100.0 3,664 94.4 3,565 91.9 1,449 37.3 851 21.9

Other 29 100.0 NA NA NA NA NA NA NA NA NA NA

Race and Ethnicity of Householder

Black 5,441 100.0 5,441 100.0 5,227 96.1 5,066 93.1 2,326 42.8 1,329 24.4

Hispanic non-Black 3,927 100.0 3,927 100.0 3,703 94.3 3,622 92.2 1,203 30.6 801 20.4

Asian 825 100.0 825 100.0 811 98.3 794 96.2 112 13.6 65 7.9

American Indian/Alaskan 372 100.0 372 100.0 342 92.0 320 86.0 184 49.4 116 31.2

Hawaiian/Pacific Islander 81 100.0 81 100.0 66 82.1 66 82.1 43 53.2 28 34.8

White non-Black non-Hispanic 13,551 100.0 13,551 100.0 12,559 92.7 12,003 88.6 5,141 37.9 3,245 23.9

Other non-Black non-Hispanic 3 100.0 NA NA NA NA NA NA NA NA NA NA

Spanish is Only Language Spoken

Spanish is not only language spoken 23,496 100.0 23,496 100.0 22,035 93.8 21,204 90.2 8,866 37.7 5,473 23.3

Spanish is only language spoken 703 100.0 703 100.0 677 96.2 671 95.3 145 20.6 110 15.7

Nativity

U.S.-born 20,038 100.0 20,038 100.0 18,661 93.1 17,864 89.2 8,290 41.4 5,111 25.5

Foreign-born citizen 1,880 100.0 1,880 100.0 1,838 97.8 1,821 96.9 287 15.2 165 8.8

Foreign-born non citizen 2,282 100.0 2,282 100.0 2,213 97.0 2,189 96.0 435 19.1 307 13.4

Age Group

15 to 24 years 1,955 100.0 1,955 100.0 1,845 94.3 1,798 92.0 728 37.2 559 28.6

25 to 34 years 4,993 100.0 4,993 100.0 4,653 93.2 4,443 89.0 2,171 43.5 1,412 28.3

35 to 44 years 4,918 100.0 4,918 100.0 4,546 92.4 4,342 88.3 2,184 44.4 1,378 28.0

45 to 54 years 5,336 100.0 5,336 100.0 4,984 93.4 4,804 90.0 2,029 38.0 1,145 21.5

55 to 64 years 4,064 100.0 4,064 100.0 3,884 95.6 3,730 91.8 1,246 30.7 704 17.3

65 years or more 2,933 100.0 2,933 100.0 2,800 95.5 2,756 94.0 653 22.3 385 13.1

Education

No high school degree 3,505 100.0 3,505 100.0 3,299 94.1 3,177 90.6 1,267 36.2 885 25.2

High school degree 7,638 100.0 7,638 100.0 7,095 92.9 6,812 89.2 3,252 42.6 2,031 26.6

Some college 7,676 100.0 7,676 100.0 7,115 92.7 6,797 88.5 3,295 42.9 2,004 26.1

College degree 5,380 100.0 5,380 100.0 5,203 96.7 5,088 94.6 1,198 22.3 664 12.3

Employment Status

Employed 15,515 100.0 15,515 100.0 14,590 94.0 14,094 90.8 5,611 36.2 3,467 22.3

Unemployed 1,899 100.0 1,899 100.0 1,732 91.2 1,619 85.3 955 50.3 664 35.0

Not in labor force 6,786 100.0 6,786 100.0 6,389 94.2 6,162 90.8 2,445 36.0 1,452 21.4

Household Income

Less than $15,000 4,225 100.0 4,225 100.0 3,881 91.9 3,701 87.6 1,912 45.3 1,240 29.4

Between $15,000 and $30,000 5,628 100.0 5,628 100.0 5,249 93.3 5,025 89.3 2,480 44.1 1,548 27.5

Between $30,000 and $50,000 5,787 100.0 5,787 100.0 5,406 93.4 5,223 90.3 2,230 38.5 1,405 24.3

Between $50,000 and $75,000 4,142 100.0 4,142 100.0 3,920 94.6 3,778 91.2 1,435 34.7 890 21.5

At Least $75,000 4,418 100.0 4,418 100.0 4,255 96.3 4,147 93.9 954 21.6 500 11.3

Homeownership

Homeowner 12,590 100.0 12,590 100.0 11,872 94.3 11,485 91.2 3,853 30.6 2,275 18.1

Non-homeowner 11,610 100.0 11,610 100.0 10,839 93.4 10,389 89.5 5,158 44.4 3,308 28.5

Geographic Region

Northeast 3,908 100.0 3,908 100.0 3,790 97.0 3,703 94.8 1,035 26.5 566 14.5

Midwest 4,772 100.0 4,772 100.0 4,404 92.3 4,217 88.4 1,913 40.1 1,153 24.2

South 10,429 100.0 10,429 100.0 9,758 93.6 9,398 90.1 4,100 39.3 2,652 25.4

West 5,090 100.0 5,090 100.0 4,760 93.5 4,556 89.5 1,963 38.6 1,212 23.8

Metropolitan Status

Metropolitan Area 20,066 100.0 20,066 100.0 18,894 94.2 18,254 91.0 7,273 36.2 4,464 22.2

Inside principal city 7,485 100.0 7,485 100.0 7,134 95.3 6,919 92.4 2,669 35.7 1,616 21.6

Not inside principal city 9,214 100.0 9,214 100.0 8,664 94.0 8,405 91.2 3,085 33.5 1,917 20.8

Not identified 3,367 100.0 3,367 100.0 3,096 91.9 2,930 87.0 1,518 45.1 930 27.6

Not in Metropolitan Area 3,857 100.0 3,857 100.0 3,557 92.2 3,371 87.4 1,623 42.1 1,052 27.3

Not Identified 276 100.0 276 100.0 260 94.3 249 90.3 115 41.8 67 24.3

Notes:

Figures do not always reconcile to totals because of rounding.

NA = Not available because the sample size was too small to make an accurate estimate.

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund anticipation loans. 
FDIC National Survey of Unbanked and Underbanked Households - Use of Aternative F

Table A-4 Fully Banked Households’ Use of AFS by Demographic Characteristic

Household Characteristic

All Fully Banked 

Households

Ever Used An AFS Memo Items

Has Ever Used Has Never Used

Ever Used 

Transaction AFS

Has Never Used 

Transaction AFS

Ever Used Credit 

AFS

Has Never used 

Credit AFS

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

All Fully Banked Households 82,830 100.0 19,531 23.6 63,299 76.4 16,945 20.5 65,885 79.5 4,855 5.9 77,975 94.1

Household Family Type

Family household 53,797 100.0 12,514 23.3 41,283 76.7 10,788 20.1 43,010 79.9 3,158 5.9 50,639 94.1

Female householder, no 

husband present 7,544 100.0 2,122 28.1 5,422 71.9 1,708 22.6 5,836 77.4 752 10.0 6,793 90.0

Male householder, no wife 

present 3,006 100.0 787 26.2 2,219 73.8 632 21.0 2,374 79.0 270 9.0 2,736 91.0

Married couple 43,247 100.0 9,605 22.2 33,642 77.8 8,448 19.5 34,799 80.5 2,136 4.9 41,111 95.1

Nonfamily household 28,978 100.0 6,994 24.1 21,983 75.9 6,140 21.2 22,837 78.8 1,688 5.8 27,289 94.2

Female householder 15,868 100.0 3,610 22.8 12,258 77.2 3,204 20.2 12,664 79.8 809 5.1 15,059 94.9

Male householder 13,110 100.0 3,385 25.8 9,725 74.2 2,937 22.4 10,173 77.6 880 6.7 12,230 93.3

Other 55 100.0 NA NA NA NA NA NA NA NA NA NA NA NA

Race and Ethnicity of Householder

Black 6,672 100.0 2,140 32.1 4,531 67.9 1,761 26.4 4,910 73.6 786 11.8 5,886 88.2

Hispanic non-Black 6,677 100.0 1,434 21.5 5,243 78.5 1,196 17.9 5,481 82.1 407 6.1 6,271 93.9

Asian 3,844 100.0 481 12.5 3,362 87.5 460 12.0 3,384 88.0 58 1.5 3,786 98.5

American Indian/Alaskan 765 100.0 248 32.3 518 67.7 182 23.8 583 76.2 107 14.0 658 86.0

Hawaiian/Pacific Islander 168 100.0 45 27.1 122 72.9 42 25.0 126 75.0 9 5.5 159 94.5

White non-Black 

non-Hispanic 64,690 100.0 15,170 23.4 49,520 76.6 13,291 20.5 51,399 79.5 3,484 5.4 61,206 94.6

Other non-Black 

non-Hispanic 14 100.0 NA NA NA NA NA NA NA NA NA NA NA NA

Spanish is Only Language Spoken

Spanish is not only 

language spoken 82,018 100.0 19,369 23.6 62,649 76.4 16,797 20.5 65,220 79.5 4,837 5.9 77,181 94.1

Spanish is only language 

spoken 812 100.0 162 20.0 650 80.0 147 18.1 665 81.9 18 2.2 794 97.8

Nativity

U.S.-born 73,435 100.0 18,056 24.6 55,378 75.4 15,596 21.2 57,838 78.8 4,645 6.3 68,790 93.7

Foreign-born citizen 5,783 100.0 851 14.7 4,932 85.3 786 13.6 4,997 86.4 115 2.0 5,668 98.0

Foreign-born non citizen 3,612 100.0 623 17.2 2,989 82.8 562 15.6 3,050 84.4 94 2.6 3,517 97.4

Age Group

15 to 24 years 3,129 100.0 624 19.9 2,506 80.1 509 16.3 2,620 83.7 192 6.1 2,937 93.9

25 to 34 years 12,286 100.0 3,086 25.1 9,200 74.9 2,597 21.1 9,689 78.9 930 7.6 11,356 92.4

35 to 44 years 13,996 100.0 3,599 25.7 10,397 74.3 3,042 21.7 10,954 78.3 1,032 7.4 12,964 92.6

45 to 54 years 16,553 100.0 3,999 24.2 12,554 75.8 3,432 20.7 13,121 79.3 1,106 6.7 15,448 93.3

55 to 64 years 16,132 100.0 3,992 24.7 12,141 75.3 3,521 21.8 12,612 78.2 927 5.7 15,205 94.3

65 years or more 20,733 100.0 4,231 20.4 16,502 79.6 3,843 18.5 16,890 81.5 668 3.2 20,065 96.8

Education

No high school degree 6,677 100.0 1,640 24.6 5,037 75.4 1,369 20.5 5,307 79.5 464 6.9 6,213 93.1

High school degree 21,969 100.0 5,159 23.5 16,810 76.5 4,330 19.7 17,639 80.3 1,452 6.6 20,517 93.4

Some college 23,388 100.0 6,202 26.5 17,186 73.5 5,213 22.3 18,175 77.7 1,877 8.0 21,511 92.0

College degree 30,796 100.0 6,530 21.2 24,266 78.8 6,033 19.6 24,763 80.4 1,062 3.4 29,734 96.6

Employment Status

Employed 51,294 100.0 12,295 24.0 39,000 76.0 10,649 20.8 40,645 79.2 3,034 5.9 48,260 94.1

Unemployed 3,218 100.0 846 26.3 2,372 73.7 680 21.1 2,538 78.9 344 10.7 2,874 89.3

Not in labor force 28,318 100.0 6,391 22.6 21,927 77.4 5,616 19.8 22,702 80.2 1,477 5.2 26,841 94.8

Household Income

Less than $15,000 9,299 100.0 2,354 25.3 6,945 74.7 1,975 21.2 7,324 78.8 735 7.9 8,564 92.1

Between $15,000 and 

$30,000 13,134 100.0 3,341 25.4 9,793 74.6 2,724 20.7 10,410 79.3 1,085 8.3 12,049 91.7

Between $30,000 and 

$50,000 17,015 100.0 4,344 25.5 12,671 74.5 3,615 21.2 13,400 78.8 1,234 7.3 15,781 92.7

Between $50,000 and 

$75,000 16,757 100.0 3,938 23.5 12,819 76.5 3,498 20.9 13,260 79.1 906 5.4 15,851 94.6

At Least $75,000 26,624 100.0 5,553 20.9 21,071 79.1 5,133 19.3 21,491 80.7 895 3.4 25,729 96.6

Homeownership

Homeowner 61,833 100.0 13,804 22.3 48,030 77.7 12,255 19.8 49,578 80.2 2,854 4.6 58,980 95.4

Non-homeowner 20,996 100.0 5,727 27.3 15,269 72.7 4,690 22.3 16,307 77.7 2,001 9.5 18,995 90.5

Geographic Region

Northeast 15,675 100.0 3,557 22.7 12,118 77.3 3,260 20.8 12,414 79.2 605 3.9 15,070 96.1

Midwest 19,379 100.0 4,424 22.8 14,955 77.2 3,773 19.5 15,605 80.5 1,142 5.9 18,236 94.1

South 28,772 100.0 7,167 24.9 21,604 75.1 6,151 21.4 22,621 78.6 1,886 6.6 26,886 93.4

West 19,005 100.0 4,383 23.1 14,622 76.9 3,761 19.8 15,244 80.2 1,222 6.4 17,783 93.6

Metropolitan Status

Metropolitan Area 69,203 100.0 15,867 22.9 53,336 77.1 13,760 19.9 55,443 80.1 3,995 5.8 65,207 94.2

Inside principal city 21,111 100.0 4,922 23.3 16,189 76.7 4,215 20.0 16,896 80.0 1,331 6.3 19,780 93.7

Not inside principal city 36,057 100.0 7,983 22.1 28,074 77.9 7,065 19.6 28,992 80.4 1,766 4.9 34,291 95.1

Not identified 12,034 100.0 2,962 24.6 9,073 75.4 2,480 20.6 9,555 79.4 898 7.5 11,137 92.5

Not in Metropolitan Area 13,096 100.0 3,528 26.9 9,568 73.1 3,068 23.4 10,028 76.6 815 6.2 12,281 93.8

Not Identified 531 100.0 136 25.7 395 74.3 117 22.0 414 78.0 45 8.4 486 91.6

Notes:

Figures do not always reconcile to totals because of rounding.

NA = Not available because the sample size was too small to make an accurate estimate.

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own 

agreements and refund anticipation loans. 
FDIC National Survey of Unbanked and Underbanked Households - Use of Aternative F

Table A-5 Timing of All Households’ Use of AFS by Demographic Characteristic

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 daysb In Last 2-12 months

Not in the Last 12 

months Never Used Unknown

Used AFS In the 

Last year

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

All Households 120,408 100.0 14,470 12.0 16,139 13.4 21,002 17.4 65,335 54.3 3,461 2.9 30,609 25.4

Banking Status

Unbanked 9,875 100.0 4,490 45.5 1,920 19.4 929 9.4 2,036 20.6 501 5.1 6,410 64.9

Underbanked 24,199 100.0 9,981 41.2 14,219 58.8 0 0.0 0 0.0 0 0.0 24,199 100.0

Fully Banked 82,830 100.0 0 0.0 0 0.0 19,531 23.6 63,299 76.4 0 0.0 0 0.0

Banked but Underbanked Status Unknown 3,504 100.0 0 0.0 0 0.0 543 15.5 0 0.0 2,961 84.5 0 0.0

Household Family Type

Family household 78,826 100.0 10,040 12.7 11,091 14.1 13,377 17.0 42,255 53.6 2,062 2.6 21,132 26.8

Female householder, no husband present 15,575 100.0 3,643 23.4 3,075 19.7 2,502 16.1 5,898 37.9 456 2.9 6,718 43.1

Male householder, no wife present 5,661 100.0 1,167 20.6 1,075 19.0 867 15.3 2,346 41.4 206 3.6 2,242 39.6

Married couple 57,591 100.0 5,231 9.1 6,941 12.1 10,008 17.4 34,011 59.1 1,400 2.4 12,172 21.1

Nonfamily household 41,479 100.0 4,422 10.7 5,026 12.1 7,594 18.3 23,042 55.6 1,395 3.4 9,448 22.8

Female householder 21,688 100.0 1,929 8.9 2,269 10.5 3,884 17.9 12,803 59.0 803 3.7 4,198 19.4

Male householder 19,791 100.0 2,493 12.6 2,757 13.9 3,710 18.7 10,239 51.7 591 3.0 5,250 26.5

Other 102 100.0 8 7.5 22 21.1 31 30.1 37 36.7 5 4.6 29 28.6

Race and Ethnicity of Householder

Black 16,046 100.0 4,217 26.3 3,425 21.3 2,600 16.2 5,170 32.2 633 3.9 7,642 47.6

Hispanic non-Black 13,710 100.0 3,406 24.8 2,367 17.3 1,689 12.3 5,880 42.9 369 2.7 5,773 42.1

Asian 4,985 100.0 289 5.8 577 11.6 515 10.3 3,439 69.0 165 3.3 866 17.4

American Indian/Alaskan 1,389 100.0 276 19.9 241 17.3 276 19.9 553 39.8 44 3.2 516 37.2

Hawaiian/Pacific Islander 267 100.0 41 15.3 52 19.5 45 17.0 126 47.0 3 1.1 93 34.8

White non-Black non-Hispanic 83,988 100.0 6,242 7.4 9,474 11.3 15,864 18.9 50,167 59.7 2,241 2.7 15,716 18.7

Other non-Black non-Hispanic 23 100.0 NA NA NA NA NA NA NA NA NA NA NA NA

Spanish is Only Language Spoken

Spanish is not only language spoken 117,940 100.0 13,566 11.5 15,743 13.3 20,774 17.6 64,470 54.7 3,388 2.9 29,309 24.9

Spanish is only language spoken 2,467 100.0 904 36.6 396 16.1 228 9.2 865 35.1 74 3.0 1,300 52.7

Nativity

U.S.-born 104,143 100.0 11,461 11.0 13,626 13.1 19,329 18.6 56,819 54.6 2,908 2.8 25,087 24.1

Foreign-born citizen 8,380 100.0 912 10.9 1,174 14.0 915 10.9 5,124 61.1 256 3.1 2,086 24.9

Foreign-born non citizen 7,885 100.0 2,097 26.6 1,339 17.0 758 9.6 3,392 43.0 298 3.8 3,436 43.6

Age Group

15 to 24 years 6,299 100.0 1,415 22.5 1,276 20.2 738 11.7 2,717 43.1 154 2.4 2,691 42.7

25 to 34 years 20,374 100.0 3,404 16.7 3,480 17.1 3,392 16.6 9,588 47.1 510 2.5 6,884 33.8

35 to 44 years 21,414 100.0 3,093 14.4 3,278 15.3 3,818 17.8 10,714 50.0 511 2.4 6,371 29.8

45 to 54 years 24,658 100.0 3,080 12.5 3,523 14.3 4,284 17.4 12,973 52.6 798 3.2 6,603 26.8

55 to 64 years 22,036 100.0 2,075 9.4 2,693 12.2 4,247 19.3 12,398 56.3 623 2.8 4,768 21.6

65 years or more 25,625 100.0 1,402 5.5 1,890 7.4 4,522 17.6 16,946 66.1 865 3.4 3,293 12.8

Education

No high school degree 14,321 100.0 3,567 24.9 2,251 15.7 2,036 14.2 5,951 41.6 515 3.6 5,818 40.6

High school degree 34,462 100.0 4,950 14.4 5,202 15.1 5,699 16.5 17,458 50.7 1,152 3.3 10,152 29.5

Some college 34,010 100.0 4,114 12.1 4,965 14.6 6,576 19.3 17,508 51.5 846 2.5 9,079 26.7

College degree 37,615 100.0 1,838 4.9 3,721 9.9 6,692 17.8 24,417 64.9 947 2.5 5,559 14.8

Employment Status

Employed 72,580 100.0 8,330 11.5 9,913 13.7 12,881 17.7 39,618 54.6 1,839 2.5 18,242 25.1

Unemployed 6,779 100.0 1,460 21.5 1,532 22.6 1,011 14.9 2,608 38.5 167 2.5 2,993 44.1

Not in labor force 41,049 100.0 4,680 11.4 4,694 11.4 7,110 17.3 23,109 56.3 1,456 3.5 9,374 22.8

Household Income

Less than $15,000 19,541 100.0 4,377 22.4 3,396 17.4 2,973 15.2 8,139 41.6 657 3.4 7,773 39.8

Between $15,000 and $30,000 22,073 100.0 3,793 17.2 3,545 16.1 3,678 16.7 10,248 46.4 808 3.7 7,338 33.2

Between $30,000 and $50,000 24,787 100.0 3,148 12.7 3,424 13.8 4,585 18.5 12,948 52.2 683 2.8 6,572 26.5

Between $50,000 and $75,000 21,975 100.0 1,771 8.1 2,666 12.1 4,095 18.6 12,891 58.7 552 2.5 4,437 20.2

At Least $75,000 32,032 100.0 1,382 4.3 3,108 9.7 5,671 17.7 21,110 65.9 761 2.4 4,490 14.0

Homeownership

Homeowner 79,144 100.0 5,269 6.7 8,634 10.9 14,415 18.2 48,548 61.3 2,278 2.9 13,903 17.6

Non-homeowner 41,264 100.0 9,201 22.3 7,505 18.2 6,588 16.0 16,787 40.7 1,183 2.9 16,706 40.5

Geographic Region

Northeast 21,784 100.0 2,150 9.9 2,709 12.4 3,794 17.4 12,494 57.4 637 2.9 4,859 22.3

Midwest 26,900 100.0 2,705 10.1 3,286 12.2 4,750 17.7 15,340 57.0 820 3.0 5,991 22.3

South 44,920 100.0 6,425 14.3 6,979 15.5 7,798 17.4 22,446 50.0 1,271 2.8 13,404 29.8

West 26,804 100.0 3,190 11.9 3,165 11.8 4,660 17.4 15,055 56.2 734 2.7 6,356 23.7

Metropolitan Status

Metropolitan Area 100,311 100.0 12,040 12.0 13,244 13.2 17,066 17.0 54,983 54.8 2,978 3.0 25,284 25.2

Inside principal city 33,636 100.0 5,278 15.7 4,836 14.4 5,426 16.1 17,040 50.7 1,056 3.1 10,114 30.1

Not inside principal city 49,548 100.0 4,899 9.9 6,160 12.4 8,419 17.0 28,602 57.7 1,467 3.0 11,060 22.3

Not identified 17,127 100.0 1,863 10.9 2,248 13.1 3,221 18.8 9,341 54.5 454 2.7 4,110 24.0

Not in Metropolitan Area 19,193 100.0 2,270 11.8 2,727 14.2 3,792 19.8 9,938 51.8 466 2.4 4,996 26.0

Not Identified 903 100.0 161 17.8 168 18.6 144 15.9 413 45.8 17 1.9 329 36.4

Notes:

Figures do not always reconcile to totals because of rounding.

NA = Not available because the sample size was too small to make an accurate estimate.

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as 

having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 

months. The unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use 

rent-to-own agreements or refund anticipation loans in the last 30 days.
FDIC National Survey of Unbanked and Underbanked Households - Use of Aternative F

Table A-6 Timing of Unbanked Households’ Use of AFS by Demographic Characteristic

Household Characteristic

All Unbanked 

Households

Timing of AFS Usea Memo Item

In Last 30 daysb In Last 2-12 months

Not in the Last 12 

months Never Used Unknown

Used AFS In the 

Last year

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

All Unbanked Households 9,875 100.0 4,490 45.5 1,920 19.4 929 9.4 2,036 20.6 501 5.1 6,410 64.9

Household Family Type

Family household 5,905 100.0 3,012 51.0 1,189 20.1 509 8.6 972 16.5 223 3.8 4,201 71.2

Female householder, no 

husband present 2,971 100.0 1,480 49.8 641 21.6 285 9.6 476 16.0 90 3.0 2,120 71.4

Male householder, no wife 

present 807 100.0 395 48.9 186 23.0 55 6.8 127 15.7 44 5.5 580 71.9

Married couple 2,127 100.0 1,138 53.5 362 17.0 169 7.9 369 17.4 88 4.2 1,500 70.5

Nonfamily household 3,960 100.0 1,477 37.3 731 18.5 414 10.5 1,059 26.7 278 7.0 2,209 55.8

Female householder 1,702 100.0 568 33.4 271 15.9 180 10.6 545 32.0 138 8.1 839 49.3

Male householder 2,258 100.0 909 40.3 461 20.4 234 10.4 514 22.8 140 6.2 1,370 60.7

Other 11 100.0 NA NA NA NA NA NA NA NA NA NA NA NA

Race and Ethnicity of Householder

Black 3,430 100.0 1,471 42.9 730 21.3 357 10.4 639 18.6 233 6.8 2,202 64.2

Hispanic non-Black 2,762 100.0 1,431 51.8 415 15.0 184 6.7 636 23.0 95 3.5 1,846 66.8

Asian 134 100.0 25 18.7 15 11.4 9 6.4 77 56.9 9 6.6 41 30.1

American Indian/Alaskan 202 100.0 92 45.5 53 26.1 18 8.9 35 17.3 5 2.3 145 71.6

Hawaiian/Pacific Islander 17 100.0 NA NA NA NA NA NA NA NA NA NA NA NA

White non-Black 

non-Hispanic 3,330 100.0 1,462 43.9 703 21.1 361 10.8 646 19.4 158 4.7 2,165 65.0

Spanish is Only Language Spoken

Spanish is not only 

language spoken 8,965 100.0 3,997 44.6 1,816 20.3 877 9.8 1,820 20.3 455 5.1 5,813 64.8

Spanish is only language 

spoken 910 100.0 492 54.1 105 11.5 52 5.7 216 23.7 46 5.1 597 65.6

Nativity

U.S.-born 7,673 100.0 3,416 44.5 1,634 21.3 795 10.4 1,440 18.8 387 5.0 5,049 65.8

Foreign-born citizen 453 100.0 148 32.6 58 12.8 25 5.4 192 42.5 30 6.7 206 45.5

Foreign-born non citizen 1,750 100.0 926 52.9 228 13.1 109 6.2 403 23.1 83 4.8 1,155 66.0

Age Group

15 to 24 years 1,094 100.0 492 44.9 244 22.3 110 10.1 211 19.3 37 3.4 736 67.2

25 to 34 years 2,587 100.0 1,339 51.8 552 21.3 205 7.9 388 15.0 102 3.9 1,891 73.1

35 to 44 years 1,994 100.0 1,043 52.3 411 20.6 149 7.5 317 15.9 74 3.7 1,454 72.9

45 to 54 years 2,002 100.0 871 43.5 395 19.7 200 10.0 419 20.9 117 5.8 1,266 63.2

55 to 64 years 1,202 100.0 488 40.6 215 17.9 146 12.2 257 21.4 95 7.9 703 58.5

65 years or more 997 100.0 256 25.7 104 10.4 118 11.8 444 44.5 75 7.6 360 36.1

Education

No high school degree 3,696 100.0 1,703 46.1 610 16.5 309 8.4 914 24.7 159 4.3 2,313 62.6

High school degree 3,764 100.0 1,696 45.1 818 21.7 392 10.4 648 17.2 210 5.6 2,514 66.8

Some college 2,002 100.0 984 49.2 418 20.9 185 9.3 323 16.1 91 4.5 1,403 70.1

College degree 413 100.0 106 25.7 73 17.8 42 10.1 151 36.5 41 10.0 180 43.5

Employment Status

Employed 3,818 100.0 2,079 54.4 649 17.0 288 7.5 618 16.2 184 4.8 2,728 71.4

Unemployed 1,525 100.0 650 42.6 444 29.1 147 9.6 236 15.5 48 3.1 1,094 71.7

Not in labor force 4,532 100.0 1,761 38.9 827 18.3 493 10.9 1,182 26.1 268 5.9 2,588 57.1

Household Income

Less than $15,000 5,510 100.0 2,340 42.5 1,208 21.9 543 9.9 1,193 21.7 226 4.1 3,548 64.4

Between $15,000 and 

$30,000 2,581 100.0 1,260 48.8 450 17.5 241 9.3 455 17.6 174 6.8 1,710 66.3

Between $30,000 and 

$50,000 1,221 100.0 611 50.1 174 14.2 98 8.0 277 22.7 61 5.0 785 64.3

Between $50,000 and 

$75,000 431 100.0 224 52.1 70 16.3 40 9.3 72 16.7 24 5.6 294 68.3

At Least $75,000 132 100.0 54 40.8 18 13.7 6 4.9 39 29.2 15 11.4 72 54.5

Homeownership

Homeowner 2,238 100.0 883 39.5 430 19.2 254 11.3 518 23.2 152 6.8 1,314 58.7

Non-homeowner 7,637 100.0 3,606 47.2 1,490 19.5 675 8.8 1,518 19.9 348 4.6 5,096 66.7

Geographic Region

Northeast 1,537 100.0 627 40.8 324 21.1 140 9.1 376 24.5 70 4.5 951 61.9

Midwest 1,920 100.0 834 43.4 384 20.0 202 10.5 385 20.0 115 6.0 1,218 63.4

South 4,493 100.0 2,059 45.8 916 20.4 454 10.1 842 18.7 221 4.9 2,975 66.2

West 1,925 100.0 969 50.3 297 15.4 132 6.9 433 22.5 94 4.9 1,265 65.7

Metropolitan Status

Metropolitan Area 8,029 100.0 3,685 45.9 1,533 19.1 728 9.1 1,647 20.5 436 5.4 5,218 65.0

Inside principal city 4,066 100.0 1,850 45.5 779 19.2 351 8.6 851 20.9 234 5.8 2,629 64.7

Not inside principal city 2,754 100.0 1,354 49.2 492 17.9 223 8.1 528 19.2 157 5.7 1,846 67.0

Not identified 1,209 100.0 481 39.8 262 21.7 153 12.7 269 22.2 45 3.7 743 61.4

Not in Metropolitan Area 1,764 100.0 766 43.4 373 21.1 197 11.2 370 21.0 57 3.2 1,139 64.6

Not Identified 83 100.0 39 46.9 14 17.4 3 3.9 19 22.5 8 9.3 53 64.3

Notes:

Figures do not always reconcile to totals because of rounding.

NA = Not available because the sample size was too small to make an accurate estimate.

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are 

categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having 

used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked 

whether they use rent-to-own agreements or refund anticipation loans in the last 30 days.
FDIC National Survey of Unbanked and Underbanked Households - Use of Aternative F

Table A-7 Timing of Underbanked Households’ Use of AFS by Demographic Characteristic

Household Characteristic

All Underbanked 

Households

Timing of AFS Usea Memo Item

In Last 30 daysb In Last 2-12 months Used AFS In the Last Year

Households

(1,000s)

Row

Pct

Households 

(1,000s)

Row

Pct

Households

(1,000s)

Row

Pct

Households 

(1,000s)

Row

Pct

All Underbanked Households 24,199 100.0 9,981 41.2 14,219 58.8 24,199 100.0

Household Family Type

Family household 16,931 100.0 7,028 41.5 9,903 58.5 16,931 100.0

Female householder, no husband present 4,598 100.0 2,163 47.1 2,435 52.9 4,598 100.0

Male householder, no wife present 1,662 100.0 772 46.5 890 53.5 1,662 100.0

Married couple 10,671 100.0 4,093 38.4 6,579 61.6 10,671 100.0

Nonfamily household 7,239 100.0 2,945 40.7 4,294 59.3 7,239 100.0

Female householder 3,359 100.0 1,361 40.5 1,998 59.5 3,359 100.0

Male householder 3,880 100.0 1,584 40.8 2,297 59.2 3,880 100.0

Other 29 100.0 NA NA NA NA NA NA

Race and Ethnicity of Householder

Black 5,441 100.0 2,746 50.5 2,695 49.5 5,441 100.0

Hispanic non-Black 3,927 100.0 1,974 50.3 1,952 49.7 3,927 100.0

Asian 825 100.0 264 31.9 562 68.1 825 100.0

American Indian/Alaskan 372 100.0 184 49.5 188 50.5 372 100.0

Hawaiian/Pacific Islander 81 100.0 33 41.0 48 59.0 81 100.0

White non-Black non-Hispanic 13,551 100.0 4,780 35.3 8,771 64.7 13,551 100.0

Other non-Black non-Hispanic 3 100.0 NA NA NA NA NA NA

Spanish is Only Language Spoken

Spanish is not only language spoken 23,496 100.0 9,569 40.7 13,927 59.3 23,496 100.0

Spanish is only language spoken 703 100.0 412 58.5 292 41.5 703 100.0

Nativity

U.S.-born 20,038 100.0 8,045 40.2 11,992 59.8 20,038 100.0

Foreign-born citizen 1,880 100.0 764 40.6 1,116 59.4 1,880 100.0

Foreign-born non citizen 2,282 100.0 1,171 51.3 1,111 48.7 2,282 100.0

Age Group

15 to 24 years 1,955 100.0 924 47.2 1,032 52.8 1,955 100.0

25 to 34 years 4,993 100.0 2,064 41.3 2,928 58.7 4,993 100.0

35 to 44 years 4,918 100.0 2,051 41.7 2,867 58.3 4,918 100.0

45 to 54 years 5,336 100.0 2,209 41.4 3,128 58.6 5,336 100.0

55 to 64 years 4,064 100.0 1,587 39.0 2,477 61.0 4,064 100.0

65 years or more 2,933 100.0 1,146 39.1 1,787 60.9 2,933 100.0

Education

No high school degree 3,505 100.0 1,864 53.2 1,641 46.8 3,505 100.0

High school degree 7,638 100.0 3,254 42.6 4,384 57.4 7,638 100.0

Some college 7,676 100.0 3,130 40.8 4,546 59.2 7,676 100.0

College degree 5,380 100.0 1,732 32.2 3,648 67.8 5,380 100.0

Employment Status

Employed 15,515 100.0 6,251 40.3 9,264 59.7 15,515 100.0

Unemployed 1,899 100.0 811 42.7 1,088 57.3 1,899 100.0

Not in labor force 6,786 100.0 2,919 43.0 3,867 57.0 6,786 100.0

Household Income

Less than $15,000 4,225 100.0 2,036 48.2 2,188 51.8 4,225 100.0

Between $15,000 and $30,000 5,628 100.0 2,533 45.0 3,095 55.0 5,628 100.0

Between $30,000 and $50,000 5,787 100.0 2,536 43.8 3,250 56.2 5,787 100.0

Between $50,000 and $75,000 4,142 100.0 1,547 37.3 2,596 62.7 4,142 100.0

At Least $75,000 4,418 100.0 1,328 30.1 3,089 69.9 4,418 100.0

Homeownership

Homeowner 12,590 100.0 4,386 34.8 8,204 65.2 12,590 100.0

Non-homeowner 11,610 100.0 5,595 48.2 6,015 51.8 11,610 100.0

Geographic Region

Northeast 3,908 100.0 1,523 39.0 2,385 61.0 3,908 100.0

Midwest 4,772 100.0 1,870 39.2 2,902 60.8 4,772 100.0

South 10,429 100.0 4,366 41.9 6,063 58.1 10,429 100.0

West 5,090 100.0 2,221 43.6 2,869 56.4 5,090 100.0

Metropolitan Status

Metropolitan Area 20,066 100.0 8,355 41.6 11,711 58.4 20,066 100.0

Inside principal city 7,485 100.0 3,428 45.8 4,057 54.2 7,485 100.0

Not inside principal city 9,214 100.0 3,546 38.5 5,668 61.5 9,214 100.0

Not identified 3,367 100.0 1,382 41.0 1,985 59.0 3,367 100.0

Not in Metropolitan Area 3,857 100.0 1,503 39.0 2,354 61.0 3,857 100.0

Not Identified 276 100.0 122 44.2 154 55.8 276 100.0

Notes:

Figures do not always reconcile to totals because of rounding.

NA = Not available because the sample size was too small to make an accurate estimate.

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the 

last 30 days, are categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the 

last year, are categorized as having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they 

had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households 

were not asked whether they use rent-to-own agreements or refund anticipation loans in the last 30 days.
FDIC National Survey of Unbanked and Underbanked Households - Use of Aternative F

Table A-8 Timing of Fully Banked Households’ Use of AFS by Demographic Characteristic

Household Characteristic

All Fully Banked 

Households

Timing of AFS Use

Not in the Last 12 months Never Used

Households

(1,000s)

Row

Pct

Households

(1,000s)

Row

Pct

Households

(1,000s)

Row

Pct

All Fully Banked Households 82,830 100.0 19,531 23.6 63,299 76.4

Household Family Type

Family household 53,797 100.0 12,514 23.3 41,283 76.7

Female householder, no husband 

present 7,544 100.0 2,122 28.1 5,422 71.9

Male householder, no wife present 3,006 100.0 787 26.2 2,219 73.8

Married couple 43,247 100.0 9,605 22.2 33,642 77.8

Nonfamily household 28,978 100.0 6,994 24.1 21,983 75.9

Female householder 15,868 100.0 3,610 22.8 12,258 77.2

Male householder 13,110 100.0 3,385 25.8 9,725 74.2

Other 55 100.0 NA NA NA NA

Race and Ethnicity of Householder

Black 6,672 100.0 2,140 32.1 4,531 67.9

Hispanic non-Black 6,677 100.0 1,434 21.5 5,243 78.5

Asian 3,844 100.0 481 12.5 3,362 87.5

American Indian/Alaskan 765 100.0 248 32.3 518 67.7

Hawaiian/Pacific Islander 168 100.0 45 27.1 122 72.9

White non-Black non-Hispanic 64,690 100.0 15,170 23.4 49,520 76.6

Other non-Black non-Hispanic 14 100.0 NA NA NA NA

Spanish is Only Language Spoken

Spanish is not only language spoken 82,018 100.0 19,369 23.6 62,649 76.4

Spanish is only language spoken 812 100.0 162 20.0 650 80.0

Nativity

U.S.-born 73,435 100.0 18,056 24.6 55,378 75.4

Foreign-born citizen 5,783 100.0 851 14.7 4,932 85.3

Foreign-born non citizen 3,612 100.0 623 17.2 2,989 82.8

Age Group

15 to 24 years 3,129 100.0 624 19.9 2,506 80.1

25 to 34 years 12,286 100.0 3,086 25.1 9,200 74.9

35 to 44 years 13,996 100.0 3,599 25.7 10,397 74.3

45 to 54 years 16,553 100.0 3,999 24.2 12,554 75.8

55 to 64 years 16,132 100.0 3,992 24.7 12,141 75.3

65 years or more 20,733 100.0 4,231 20.4 16,502 79.6

Education

No high school degree 6,677 100.0 1,640 24.6 5,037 75.4

High school degree 21,969 100.0 5,159 23.5 16,810 76.5

Some college 23,388 100.0 6,202 26.5 17,186 73.5

College degree 30,796 100.0 6,530 21.2 24,266 78.8

Employment Status

Employed 51,294 100.0 12,295 24.0 39,000 76.0

Unemployed 3,218 100.0 846 26.3 2,372 73.7

Not in labor force 28,318 100.0 6,391 22.6 21,927 77.4

Household Income

Less than $15,000 9,299 100.0 2,354 25.3 6,945 74.7

Between $15,000 and $30,000 13,134 100.0 3,341 25.4 9,793 74.6

Between $30,000 and $50,000 17,015 100.0 4,344 25.5 12,671 74.5

Between $50,000 and $75,000 16,757 100.0 3,938 23.5 12,819 76.5

At Least $75,000 26,624 100.0 5,553 20.9 21,071 79.1

Homeownership

Homeowner 61,833 100.0 13,804 22.3 48,030 77.7

Non-homeowner 20,996 100.0 5,727 27.3 15,269 72.7

Geographic Region

Northeast 15,675 100.0 3,557 22.7 12,118 77.3

Midwest 19,379 100.0 4,424 22.8 14,955 77.2

South 28,772 100.0 7,167 24.9 21,604 75.1

West 19,005 100.0 4,383 23.1 14,622 76.9

Metropolitan Status

Metropolitan Area 69,203 100.0 15,867 22.9 53,336 77.1

Inside principal city 21,111 100.0 4,922 23.3 16,189 76.7

Not inside principal city 36,057 100.0 7,983 22.1 28,074 77.9

Not identified 12,034 100.0 2,962 24.6 9,073 75.4

Not in Metropolitan Area 13,096 100.0 3,528 26.9 9,568 73.1

Not Identified 531 100.0 136 25.7 395 74.3

Notes:

Figures do not always reconcile to totals because of rounding.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Aternative F

Table A-9 Households’ Use of AFS Transaction and Credit Products by Demographic Characteristic

Household Characteristic

All Households

Types of AFS Ever Used

Transaction and credit 

products

Transaction products only Credit products only Never used AFS Unknown

Households 

(1,000s)

Row

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row

Pct

All Households 120,408 100.0 12,607 10.5 33,778 28.1 4,439 3.7 65,335 54.3 4,248 3.5

Banking Status

Unbanked 9,875 100.0 2,768 28.0 3,963 40.1 363 3.7 2,036 20.6 746 7.6

Underbanked 24,199 100.0 7,524 31.1 14,940 61.7 1,458 6.0 0 0.0 278 1.1

Fully Banked 82,830 100.0 2,269 2.7 14,676 17.7 2,586 3.1 63,299 76.4 0 0.0

Banked but Underbanked Status 

Unknown 3,504 100.0 47 1.3 200 5.7 33 0.9 0 0.0 3,224 92.0

Household Family Type

Family household 78,826 100.0 8,632 11.0 22,280 28.3 3,076 3.9 42,255 53.6 2,584 3.3

Female householder, no husband 

present 15,575 100.0 3,175 20.4 4,932 31.7 922 5.9 5,898 37.9 647 4.2

Male householder, no wife present 5,661 100.0 967 17.1 1,799 31.8 289 5.1 2,346 41.4 260 4.6

Married couple 57,591 100.0 4,490 7.8 15,549 27.0 1,865 3.2 34,011 59.1 1,676 2.9

Nonfamily household 41,479 100.0 3,966 9.6 11,454 27.6 1,357 3.3 23,042 55.6 1,660 4.0

Female householder 21,688 100.0 1,735 8.0 5,603 25.8 615 2.8 12,803 59.0 933 4.3

Male householder 19,791 100.0 2,231 11.3 5,852 29.6 742 3.7 10,239 51.7 727 3.7

Other 102 100.0 NA NA NA NA NA NA NA NA NA NA

Race and Ethnicity of Householder

Black 16,046 100.0 3,480 21.7 5,806 36.2 767 4.8 5,170 32.2 823 5.1

Hispanic non-Black 13,710 100.0 1,608 11.7 5,118 37.3 550 4.0 5,880 42.9 553 4.0

Asian 4,985 100.0 137 2.8 1,174 23.6 31 0.6 3,439 69.0 203 4.1

American Indian/Alaskan 1,389 100.0 259 18.6 419 30.2 100 7.2 553 39.8 58 4.2

Hawaiian/Pacific Islander 267 100.0 40 14.9 75 28.1 18 6.7 126 47.0 9 3.3

White non-Black non-Hispanic 83,988 100.0 7,077 8.4 21,177 25.2 2,972 3.5 50,167 59.7 2,595 3.1

Other non-Black non-Hispanic 23 100.0 NA NA NA NA NA NA NA NA NA NA

Spanish is Only Language Spoken

Spanish is not only language spoken 117,940 100.0 12,404 10.5 32,555 27.6 4,385 3.7 64,470 54.7 4,127 3.5

Spanish is only language spoken 2,467 100.0 203 8.2 1,223 49.6 54 2.2 865 35.1 121 4.9

Nativity

U.S.-born 104,143 100.0 11,722 11.3 27,946 26.8 4,157 4.0 56,819 54.6 3,499 3.4

Foreign-born citizen 8,380 100.0 344 4.1 2,477 29.6 114 1.4 5,124 61.1 321 3.8

Foreign-born non citizen 7,885 100.0 542 6.9 3,355 42.5 167 2.1 3,392 43.0 429 5.4

Age Group

15 to 24 years 6,299 100.0 962 15.3 2,161 34.3 257 4.1 2,717 43.1 203 3.2

25 to 34 years 20,374 100.0 3,124 15.3 6,055 29.7 952 4.7 9,588 47.1 656 3.2

35 to 44 years 21,414 100.0 2,951 13.8 6,062 28.3 1,026 4.8 10,714 50.0 662 3.1

45 to 54 years 24,658 100.0 2,837 11.5 6,902 28.0 969 3.9 12,973 52.6 978 4.0

55 to 64 years 22,036 100.0 1,838 8.3 6,355 28.8 689 3.1 12,398 56.3 757 3.4

65 years or more 25,625 100.0 897 3.5 6,244 24.4 547 2.1 16,946 66.1 992 3.9

Education

No high school degree 14,321 100.0 2,062 14.4 4,997 34.9 597 4.2 5,951 41.6 714 5.0

High school degree 34,462 100.0 4,497 13.0 9,546 27.7 1,533 4.4 17,458 50.7 1,427 4.1

Some college 34,010 100.0 4,395 12.9 9,459 27.8 1,627 4.8 17,508 51.5 1,020 3.0

College degree 37,615 100.0 1,653 4.4 9,776 26.0 682 1.8 24,417 64.9 1,088 2.9

Employment Status

Employed 72,580 100.0 7,203 9.9 20,786 28.6 2,697 3.7 39,618 54.6 2,276 3.1

Unemployed 6,779 100.0 1,531 22.6 2,006 29.6 414 6.1 2,608 38.5 220 3.2

Not in labor force 41,049 100.0 3,874 9.4 10,986 26.8 1,328 3.2 23,109 56.3 1,752 4.3

Household Income

Less than $15,000 19,541 100.0 3,517 18.0 6,080 31.1 930 4.8 8,139 41.6 876 4.5

Between $15,000 and $30,000 22,073 100.0 3,332 15.1 6,448 29.2 1,069 4.8 10,248 46.4 976 4.4

Between $30,000 and $50,000 24,787 100.0 2,670 10.8 7,151 28.8 1,161 4.7 12,948 52.2 857 3.5

Between $50,000 and $75,000 21,975 100.0 1,786 8.1 5,922 27.0 687 3.1 12,891 58.7 689 3.1

At Least $75,000 32,032 100.0 1,302 4.1 8,178 25.5 592 1.8 21,110 65.9 850 2.7

Homeownership

Homeowner 79,144 100.0 4,988 6.3 20,623 26.1 2,359 3.0 48,548 61.3 2,626 3.3

Non-homeowner 41,264 100.0 7,619 18.5 13,155 31.9 2,080 5.0 16,787 40.7 1,622 3.9

Geographic Region

Northeast 21,784 100.0 1,582 7.3 6,494 29.8 451 2.1 12,494 57.4 762 3.5

Midwest 26,900 100.0 2,609 9.7 6,865 25.5 1,109 4.1 15,340 57.0 977 3.6

South 44,920 100.0 5,641 12.6 13,356 29.7 1,883 4.2 22,446 50.0 1,594 3.5

West 26,804 100.0 2,775 10.4 7,063 26.4 996 3.7 15,055 56.2 915 3.4

Metropolitan Status

Metropolitan Area 100,311 100.0 10,217 10.2 27,856 27.8 3,561 3.6 54,983 54.8 3,694 3.7

Inside principal city 33,636 100.0 3,982 11.8 10,064 29.9 1,196 3.6 17,040 50.7 1,355 4.0

Not inside principal city 49,548 100.0 4,218 8.5 13,377 27.0 1,566 3.2 28,602 57.7 1,785 3.6

Not identified 17,127 100.0 2,017 11.8 4,415 25.8 800 4.7 9,341 54.5 554 3.2

Not in Metropolitan Area 19,193 100.0 2,242 11.7 5,643 29.4 837 4.4 9,938 51.8 533 2.8

Not Identified 903 100.0 149 16.5 279 30.9 40 4.5 413 45.8 22 2.4

Notes:

Figures do not always reconcile to totals because of rounding.

NA = Not available because the sample size was too small to make an accurate estimate.

- = For this table cell, there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that the true value is only slightly greater than zero.

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund 

anticipation loans. 
FDIC National Survey of Unbanked and Underbanked Households - Use of Aternative F

Table A-10 Unbanked Households’ Use of AFS Transaction and Credit Products by Demographic 

Characteristic

Household Characteristic

All Unbanked 

Households

Types of AFS Ever Used

Transaction and credit 

products

Transaction products only Credit products only Never used AFS Unknown

Households 

(1,000s)

Row

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row

Pct

Households 

(1,000s)

Row

Pct

Households 

(1,000s)

Row

Pct

All Unbanked Households 9,875 100.0 2,768 28.0 3,963 40.1 363 3.7 2,036 20.6 746 7.6

Household Family Type

Family household 5,905 100.0 1,835 31.1 2,481 42.0 252 4.3 972 16.5 364 6.2

Female householder, no husband 

present 2,971 100.0 990 33.3 1,189 40.0 167 5.6 476 16.0 149 5.0

Male householder, no wife present 807 100.0 255 31.6 337 41.8 23 2.9 127 15.7 64 7.9

Married couple 2,127 100.0 590 27.7 955 44.9 62 2.9 369 17.4 151 7.1

Nonfamily household 3,960 100.0 933 23.6 1,477 37.3 110 2.8 1,059 26.7 382 9.6

Female householder 1,702 100.0 370 21.7 555 32.6 46 2.7 545 32.0 186 10.9

Male householder 2,258 100.0 563 24.9 921 40.8 64 2.8 514 22.8 195 8.7

Other 11 100.0 NA NA NA NA NA NA NA NA NA NA

Race and Ethnicity of Householder

Black 3,430 100.0 960 28.0 1,349 39.3 167 4.9 639 18.6 315 9.2

Hispanic non-Black 2,762 100.0 452 16.4 1,416 51.3 82 3.0 636 23.0 176 6.4

Asian 134 100.0 3 2.3 45 33.7 - - 77 56.9 9 7.1

American Indian/Alaskan 202 100.0 61 30.0 95 47.1 5 2.7 35 17.3 6 2.9

Hawaiian/Pacific Islander 17 100.0 NA NA NA NA NA NA NA NA NA NA

White non-Black non-Hispanic 3,330 100.0 1,287 38.6 1,057 31.7 108 3.2 646 19.4 232 7.0

Spanish is Only Language Spoken

Spanish is not only language spoken 8,965 100.0 2,686 30.0 3,434 38.3 350 3.9 1,820 20.3 674 7.5

Spanish is only language spoken 910 100.0 82 9.0 529 58.1 12 1.3 216 23.7 71 7.8

Nativity

U.S.-born 7,673 100.0 2,577 33.6 2,788 36.3 313 4.1 1,440 18.8 554 7.2

Foreign-born citizen 453 100.0 49 10.7 155 34.1 12 2.6 192 42.5 46 10.1

Foreign-born non citizen 1,750 100.0 143 8.2 1,020 58.3 37 2.1 403 23.1 146 8.3

Age Group

15 to 24 years 1,094 100.0 264 24.1 519 47.4 36 3.3 211 19.3 64 5.8

25 to 34 years 2,587 100.0 837 32.3 1,093 42.3 116 4.5 388 15.0 153 5.9

35 to 44 years 1,994 100.0 653 32.8 808 40.5 98 4.9 317 15.9 118 5.9

45 to 54 years 2,002 100.0 619 30.9 727 36.3 57 2.8 419 20.9 179 9.0

55 to 64 years 1,202 100.0 306 25.5 468 38.9 38 3.2 257 21.4 133 11.1

65 years or more 997 100.0 89 8.9 348 34.9 17 1.7 444 44.5 99 9.9

Education

No high school degree 3,696 100.0 805 21.8 1,614 43.7 122 3.3 914 24.7 241 6.5

High school degree 3,764 100.0 1,145 30.4 1,487 39.5 163 4.3 648 17.2 321 8.5

Some college 2,002 100.0 751 37.5 742 37.1 70 3.5 323 16.1 116 5.8

College degree 413 100.0 67 16.3 120 29.0 8 1.9 151 36.5 67 16.3

Employment Status

Employed 3,818 100.0 1,100 28.8 1,698 44.5 119 3.1 618 16.2 283 7.4

Unemployed 1,525 100.0 563 36.9 572 37.5 85 5.6 236 15.5 68 4.5

Not in labor force 4,532 100.0 1,105 24.4 1,692 37.3 158 3.5 1,182 26.1 394 8.7

Household Income

Less than $15,000 5,510 100.0 1,583 28.7 2,167 39.3 212 3.8 1,193 21.7 355 6.4

Between $15,000 and $30,000 2,581 100.0 743 28.8 1,064 41.2 84 3.3 455 17.6 234 9.1

Between $30,000 and $50,000 1,221 100.0 308 25.2 497 40.7 45 3.7 277 22.7 95 7.8

Between $50,000 and $75,000 431 100.0 105 24.4 190 44.1 18 4.1 72 16.7 46 10.7

At Least $75,000 132 100.0 30 22.6 45 33.8 4 3.0 39 29.2 15 11.4

Homeownership

Homeowner 2,238 100.0 518 23.1 911 40.7 89 4.0 518 23.2 202 9.0

Non-homeowner 7,637 100.0 2,250 29.5 3,052 40.0 273 3.6 1,518 19.9 544 7.1

Geographic Region

Northeast 1,537 100.0 357 23.2 673 43.8 37 2.4 376 24.5 94 6.1

Midwest 1,920 100.0 561 29.2 727 37.9 79 4.1 385 20.0 169 8.8

South 4,493 100.0 1,328 29.6 1,782 39.7 208 4.6 842 18.7 333 7.4

West 1,925 100.0 523 27.2 780 40.5 39 2.0 433 22.5 150 7.8

Metropolitan Status

Metropolitan Area 8,029 100.0 2,194 27.3 3,257 40.6 279 3.5 1,647 20.5 652 8.1

Inside principal city 4,066 100.0 1,039 25.5 1,700 41.8 130 3.2 851 20.9 347 8.5

Not inside principal city 2,754 100.0 810 29.4 1,079 39.2 93 3.4 528 19.2 244 8.9

Not identified 1,209 100.0 345 28.6 478 39.5 56 4.6 269 22.2 61 5.1

Not in Metropolitan Area 1,764 100.0 551 31.2 680 38.5 78 4.4 370 21.0 85 4.8

Not Identified 83 100.0 24 28.9 26 31.7 6 6.7 19 22.5 8 10.2

Notes:

Figures do not always reconcile to totals because of rounding.

NA = Not available because the sample size was too small to make an accurate estimate.

- = For this table cell, there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that the true value is only 

slightly greater than zero.

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund 

anticipation loans. 
FDIC National Survey of Unbanked and Underbanked Households - Use of Aternative F

Table A-11 Underbanked Households’ Use of AFS Transaction and Credit Products by Demographic 

Characteristic

Household Characteristic

All Underbanked 

Households

Types of AFS Ever Used

Transaction and credit 

products Transaction products only Credit products only Unknown

Households

(1,000s)

Row

Pct

Households

(1,000s)

Row

Pct

Households

(1,000s)

Row

Pct

Households

(1,000s)

Row

Pct

Households

(1,000s)

Row

Pct

All Underbanked Households 24,199 100.0 7,524 31.1 14,940 61.7 1,458 6.0 278 1.1

Household Family Type

Family household 16,931 100.0 5,333 31.5 10,308 60.9 1,083 6.4 206 1.2

Female householder, no husband 

present 4,598 100.0 1,844 40.1 2,339 50.9 338 7.4 77 1.7

Male householder, no wife present 1,662 100.0 590 35.5 938 56.4 110 6.6 23 1.4

Married couple 10,671 100.0 2,899 27.2 7,032 65.9 635 6.0 106 1.0

Nonfamily household 7,239 100.0 2,184 30.2 4,608 63.7 375 5.2 72 1.0

Female householder 3,359 100.0 952 28.3 2,205 65.6 163 4.9 39 1.2

Male householder 3,880 100.0 1,232 31.8 2,404 61.9 212 5.5 33 0.8

Other 29 100.0 NA NA NA NA NA NA NA NA

Race and Ethnicity of Householder

Black 5,441 100.0 2,112 38.8 3,066 56.4 214 3.9 49 0.9

Hispanic non-Black 3,927 100.0 979 24.9 2,666 67.9 224 5.7 58 1.5

Asian 825 100.0 98 11.9 694 84.0 10 1.2 24 2.9

American Indian/Alaskan 372 100.0 154 41.4 184 49.4 30 8.0 4 1.2

Hawaiian/Pacific Islander 81 100.0 28 35.3 38 46.8 14 17.9 - -

White non-Black non-Hispanic 13,551 100.0 4,149 30.6 8,293 61.2 966 7.1 143 1.1

Other non-Black non-Hispanic 3 100.0 NA NA NA NA NA NA NA NA

Spanish is Only Language Spoken

Spanish is not only language spoken 23,496 100.0 7,406 31.5 14,398 61.3 1,431 6.1 261 1.1

Spanish is only language spoken 703 100.0 118 16.8 541 77.0 27 3.8 17 2.4

Nativity

U.S.-born 20,038 100.0 6,913 34.5 11,569 57.7 1,351 6.7 204 1.0

Foreign-born citizen 1,880 100.0 245 13.0 1,570 83.5 38 2.0 28 1.5

Foreign-born non citizen 2,282 100.0 366 16.0 1,801 78.9 69 3.0 46 2.0

Age Group

15 to 24 years 1,955 100.0 617 31.6 1,211 61.9 106 5.4 21 1.1

25 to 34 years 4,993 100.0 1,832 36.7 2,774 55.6 340 6.8 47 0.9

35 to 44 years 4,918 100.0 1,812 36.8 2,675 54.4 361 7.4 69 1.4

45 to 54 years 5,336 100.0 1,677 31.4 3,252 60.9 342 6.4 65 1.2

55 to 64 years 4,064 100.0 1,066 26.2 2,775 68.3 176 4.3 47 1.2

65 years or more 2,933 100.0 520 17.7 2,252 76.8 133 4.5 28 0.9

Education 3,505 100.0 1,060 30.3 2,181 62.2 203 5.8 61 1.7

No high school degree

High school degree 7,638 100.0 2,709 35.5 4,301 56.3 529 6.9 99 1.3

Some college 7,676 100.0 2,734 35.6 4,329 56.4 553 7.2 60 0.8

College degree 5,380 100.0 1,021 19.0 4,128 76.7 173 3.2 58 1.1

Employment Status

Employed 15,515 100.0 4,686 30.2 9,731 62.7 912 5.9 185 1.2

Unemployed 1,899 100.0 789 41.5 929 48.9 163 8.6 18 1.0

Not in labor force 6,786 100.0 2,049 30.2 4,280 63.1 383 5.6 74 1.1

Household Income

Less than $15,000 4,225 100.0 1,569 37.1 2,266 53.6 336 8.0 53 1.3

Between $15,000 and $30,000 5,628 100.0 2,101 37.3 3,087 54.9 365 6.5 74 1.3

Between $30,000 and $50,000 5,787 100.0 1,850 32.0 3,492 60.3 374 6.5 72 1.2

Between $50,000 and $75,000 4,142 100.0 1,213 29.3 2,669 64.4 220 5.3 40 1.0

At Least $75,000 4,418 100.0 791 17.9 3,425 77.5 163 3.7 39 0.9

Homeownership

Homeowner 12,590 100.0 3,136 24.9 8,626 68.5 700 5.6 127 1.0

Non-homeowner 11,610 100.0 4,388 37.8 6,314 54.4 758 6.5 151 1.3

Geographic Region

Northeast 3,908 100.0 917 23.5 2,822 72.2 118 3.0 51 1.3

Midwest 4,772 100.0 1,545 32.4 2,806 58.8 365 7.6 56 1.2

South 10,429 100.0 3,429 32.9 6,233 59.8 652 6.3 116 1.1

West 5,090 100.0 1,633 32.1 3,079 60.5 323 6.3 55 1.1

Metropolitan Status

Metropolitan Area 20,066 100.0 6,101 30.4 12,565 62.6 1,148 5.7 251 1.3

Inside principal city 7,485 100.0 2,319 31.0 4,720 63.1 343 4.6 103 1.4

Not inside principal city 9,214 100.0 2,535 27.5 6,020 65.3 546 5.9 112 1.2

Not identified 3,367 100.0 1,247 37.0 1,825 54.2 259 7.7 36 1.1

Not in metropolitan area 3,857 100.0 1,323 34.3 2,216 57.4 296 7.7 23 0.6

Not Identified 276 100.0 100 36.1 159 57.5 14 5.0 4 1.4

Notes:

Figures do not always reconcile to totals because of rounding.

NA = Not available because the sample size was too small to make an accurate estimate.

- = For this table cell, there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that the true value is only slightly greater than zero.

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund anticipation loans. 
FDIC National Survey of Unbanked and Underbanked Households - Use of Aternative F

Table A-12 Fully Banked Households’ Use of AFS Transaction and Credit Products by Demographic 

Characteristic

Household Characteristic

All Fully Banked 

Households

Types of AFS Ever Used

Transaction and Credit 

Products Transaction Products Only Credit products only Never used AFS

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

All Fully Banked Households 82,830 100.0 2,269 2.7 14,676 17.7 2,586 3.1 63,299 76.4

Household Family Type

Family household 53,797 100.0 1,432 2.7 9,356 17.4 1,726 3.2 41,283 76.7

Female householder, no husband 

present 7,544 100.0 337 4.5 1,370 18.2 414 5.5 5,422 71.9

Male householder, no wife present 3,006 100.0 115 3.8 517 17.2 155 5.1 2,219 73.8

Married couple 43,247 100.0 979 2.3 7,469 17.3 1,157 2.7 33,642 77.8

Nonfamily household 28,978 100.0 834 2.9 5,306 18.3 854 2.9 21,983 75.9

Female householder 15,868 100.0 402 2.5 2,801 17.7 406 2.6 12,258 77.2

Male householder 13,110 100.0 432 3.3 2,505 19.1 448 3.4 9,725 74.2

Other 55 100.0 NA NA NA NA NA NA NA NA

Race and Ethnicity of Householder

Black 6,672 100.0 407 6.1 1,354 20.3 379 5.7 4,531 67.9

Hispanic non-Black 6,677 100.0 169 2.5 1,027 15.4 238 3.6 5,243 78.5

Asian 3,844 100.0 36 0.9 424 11.0 21 0.6 3,362 87.5

American Indian/Alaskan 765 100.0 42 5.5 140 18.4 65 8.5 518 67.7

Hawaiian/Pacific Islander 168 100.0 6 3.4 36 21.6 3 2.1 122 72.9

White non-Black non-Hispanic 64,690 100.0 1,605 2.5 11,686 18.1 1,879 2.9 49,520 76.6

Other non-Black non-Hispanic 14 100.0 NA NA NA NA NA NA NA NA

Spanish is Only Language Spoken

Spanish is not only language spoken 82,018 100.0 2,266 2.8 14,531 17.7 2,571 3.1 62,649 76.4

Spanish is only language spoken 812 100.0 3 0.3 145 17.8 15 1.8 650 80.0

Nativity

U.S.-born 73,435 100.0 2,185 3.0 13,411 18.3 2,460 3.3 55,378 75.4

Foreign-born citizen 5,783 100.0 50 0.9 736 12.7 65 1.1 4,932 85.3

Foreign-born non citizen 3,612 100.0 33 0.9 529 14.6 61 1.7 2,989 82.8

Age Group

15 to 24 years 3,129 100.0 77 2.5 432 13.8 115 3.7 2,506 80.1

25 to 34 years 12,286 100.0 442 3.6 2,156 17.5 489 4.0 9,200 74.9

35 to 44 years 13,996 100.0 475 3.4 2,567 18.3 557 4.0 10,397 74.3

45 to 54 years 16,553 100.0 539 3.3 2,894 17.5 567 3.4 12,554 75.8

55 to 64 years 16,132 100.0 456 2.8 3,065 19.0 471 2.9 12,141 75.3

65 years or more 20,733 100.0 280 1.4 3,563 17.2 388 1.9 16,502 79.6

Education

No high school degree 6,677 100.0 193 2.9 1,176 17.6 270 4.1 5,037 75.4

High school degree 21,969 100.0 623 2.8 3,707 16.9 829 3.8 16,810 76.5

Some college 23,388 100.0 888 3.8 4,325 18.5 989 4.2 17,186 73.5

College degree 30,796 100.0 565 1.8 5,468 17.8 497 1.6 24,266 78.8

Employment Status

Employed 51,294 100.0 1,389 2.7 9,261 18.1 1,645 3.2 39,000 76.0

Unemployed 3,218 100.0 178 5.5 502 15.6 166 5.2 2,372 73.7

Not in labor force 28,318 100.0 702 2.5 4,914 17.4 775 2.7 21,927 77.4

Household Income

Less than $15,000 9,299 100.0 356 3.8 1,618 17.4 379 4.1 6,945 74.7

Between $15,000 and $30,000 13,134 100.0 468 3.6 2,256 17.2 617 4.7 9,793 74.6

Between $30,000 and $50,000 17,015 100.0 505 3.0 3,111 18.3 729 4.3 12,671 74.5

Between $50,000 and $75,000 16,757 100.0 465 2.8 3,032 18.1 441 2.6 12,819 76.5

At Least $75,000 26,624 100.0 474 1.8 4,658 17.5 421 1.6 21,071 79.1

Homeownership

Homeowner 61,833 100.0 1,306 2.1 10,950 17.7 1,548 2.5 48,030 77.7

Non-homeowner 20,996 100.0 963 4.6 3,726 17.7 1,038 4.9 15,269 72.7

Geographic Region

Northeast 15,675 100.0 308 2.0 2,952 18.8 296 1.9 12,118 77.3

Midwest 19,379 100.0 492 2.5 3,282 16.9 651 3.4 14,955 77.2

South 28,772 100.0 869 3.0 5,281 18.4 1,016 3.5 21,604 75.1

West 19,005 100.0 599 3.2 3,161 16.6 623 3.3 14,622 76.9

Metropolitan Status

Metropolitan Area 69,203 100.0 1,888 2.7 11,871 17.2 2,107 3.0 53,336 77.1

Inside principal city 21,111 100.0 624 3.0 3,591 17.0 707 3.3 16,189 76.7

Not inside principal city 36,057 100.0 848 2.4 6,217 17.2 918 2.5 28,074 77.9

Not identified 12,034 100.0 416 3.5 2,064 17.2 482 4.0 9,073 75.4

Not in Metropolitan Area 13,096 100.0 355 2.7 2,713 20.7 460 3.5 9,568 73.1

Not Identified 531 100.0 25 4.8 92 17.3 19 3.6 395 74.3

Notes:

Figures do not always reconcile to totals because of rounding.

NA = Not available because the sample size was too small to make an accurate estimate.

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements 

and refund anticipation loans. 
FDIC National Survey of Unbanked and Underbanked Households - Use of Aternative F

Table A-13 Households’ Use of AFS Transaction and Credit Products in the Last Year by Demographic 

Characteristic

Household Characteristic

All Households

Type of AFS Used in the Last Year

Transaction Products 

Only Transaction and Credit Credit only

Did Not Use Any AFS in the Last Year Unknown

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

All Households 120,408 100.0 22,842 19.0 4,645 3.9 2,542 2.1 85,741 71.2 4,638 3.9

Banking Status

Unbanked 9,875 100.0 4,521 45.8 1,387 14.0 271 2.7 2,911 29.5 786 8.0

Underbanked 24,199 100.0 18,321 75.7 3,258 13.5 2,272 9.4 0 0.0 348 1.4

Fully Banked 82,830 100.0 0 0.0 0 0.0 0 0.0 82,830 100.0 0 0.0

Banked but Underbanked Status 

Unknown 3,504 100.0 0 0.0 0 0.0 0 0.0 0 0.0 3,504 100.0

Household Family Type

Family household 78,826 100.0 15,478 19.6 3,361 4.3 1,874 2.4 55,251 70.1 2,862 3.6

Female householder, no husband 

present 15,575 100.0 4,532 29.1 1,376 8.8 639 4.1 8,293 53.2 735 4.7

Male householder, no wife present 5,661 100.0 1,529 27.0 501 8.9 169 3.0 3,188 56.3 274 4.8

Married couple 57,591 100.0 9,417 16.4 1,485 2.6 1,066 1.9 43,769 76.0 1,854 3.2

Nonfamily household 41,479 100.0 7,336 17.7 1,282 3.1 668 1.6 30,425 73.3 1,768 4.3

Female householder 21,688 100.0 3,289 15.2 515 2.4 313 1.4 16,576 76.4 996 4.6

Male householder 19,791 100.0 4,047 20.5 768 3.9 355 1.8 13,849 70.0 773 3.9

Other 102 100.0 28 27.3 1 1.0 0 0.4 66 64.3 7 7.0

Race and Ethnicity of Householder

Black 16,046 100.0 5,643 35.2 1,394 8.7 471 2.9 7,643 47.6 895 5.6

Hispanic non-Black 13,710 100.0 4,521 33.0 751 5.5 355 2.6 7,496 54.7 588 4.3

Asian 4,985 100.0 779 15.6 36 0.7 27 0.5 3,929 78.8 215 4.3

American Indian/Alaskan 1,389 100.0 346 24.9 103 7.4 58 4.2 818 58.9 65 4.6

Hawaiian/Pacific Islander 267 100.0 52 19.5 18 6.9 14 5.4 171 64.0 11 4.1

White non-Black non-Hispanic 83,988 100.0 11,499 13.7 2,342 2.8 1,618 1.9 65,671 78.2 2,858 3.4

Other non-Black non-Hispanic 23 100.0 NA NA NA NA NA NA NA NA NA NA

Spanish is Only Language Spoken

Spanish is not only language spoken 117,940 100.0 21,756 18.4 4,511 3.8 2,502 2.1 84,665 71.8 4,507 3.8

Spanish is only language spoken 2,467 100.0 1,086 44.0 134 5.4 41 1.7 1,076 43.6 131 5.3

Nativity

U.S.-born 104,143 100.0 18,074 17.4 4,222 4.1 2,366 2.3 75,620 72.6 3,861 3.7

Foreign-born citizen 8,380 100.0 1,852 22.1 124 1.5 67 0.8 6,000 71.6 337 4.0

Foreign-born non citizen 7,885 100.0 2,915 37.0 299 3.8 110 1.4 4,121 52.3 440 5.6

Age Group

15 to 24 years 6,299 100.0 1,919 30.5 547 8.7 168 2.7 3,446 54.7 219 3.5

25 to 34 years 20,374 100.0 4,791 23.5 1,325 6.5 648 3.2 12,880 63.2 731 3.6

35 to 44 years 21,414 100.0 4,461 20.8 1,163 5.4 622 2.9 14,452 67.5 716 3.3

45 to 54 years 24,658 100.0 5,013 20.3 889 3.6 573 2.3 17,161 69.6 1,023 4.1

55 to 64 years 22,036 100.0 3,862 17.5 469 2.1 340 1.5 16,523 75.0 842 3.8

65 years or more 25,625 100.0 2,796 10.9 251 1.0 191 0.7 21,280 83.0 1,107 4.3

Education

No high school degree 14,321 100.0 4,285 29.9 957 6.7 417 2.9 7,885 55.1 777 5.4

High school degree 34,462 100.0 7,208 20.9 1,820 5.3 907 2.6 22,983 66.7 1,543 4.5

Some college 34,010 100.0 6,568 19.3 1,463 4.3 934 2.7 23,885 70.2 1,159 3.4

College degree 37,615 100.0 4,781 12.7 404 1.1 283 0.8 30,988 82.4 1,159 3.1

Employment Status

Employed 72,580 100.0 13,816 19.0 2,616 3.6 1,483 2.0 52,181 71.9 2,485 3.4

Unemployed 6,779 100.0 1,897 28.0 707 10.4 345 5.1 3,601 53.1 229 3.4

Not in labor force 41,049 100.0 7,129 17.4 1,322 3.2 714 1.7 29,959 73.0 1,924 4.7

Household Income

Less than $15,000 19,541 100.0 5,451 27.9 1,458 7.5 677 3.5 11,006 56.3 949 4.9

Between $15,000 and $30,000 22,073 100.0 5,199 23.6 1,353 6.1 643 2.9 13,818 62.6 1,060 4.8

Between $30,000 and $50,000 24,787 100.0 4,869 19.6 996 4.0 583 2.4 17,386 70.1 954 3.8

Between $50,000 and $75,000 21,975 100.0 3,410 15.5 589 2.7 371 1.7 16,862 76.7 743 3.4

At Least $75,000 32,032 100.0 3,914 12.2 248 0.8 268 0.8 26,669 83.3 932 2.9

Homeownership

Homeowner 79,144 100.0 11,137 14.1 1,416 1.8 1,145 1.4 62,597 79.1 2,849 3.6

Non-homeowner 41,264 100.0 11,705 28.4 3,228 7.8 1,397 3.4 23,144 56.1 1,789 4.3

Geographic Region

Northeast 21,784 100.0 4,039 18.5 513 2.4 224 1.0 16,191 74.3 818 3.8

Midwest 26,900 100.0 4,421 16.4 855 3.2 603 2.2 19,939 74.1 1,082 4.0

South 44,920 100.0 9,684 21.6 2,309 5.1 1,163 2.6 30,046 66.9 1,718 3.8

West 26,804 100.0 4,698 17.5 968 3.6 553 2.1 19,565 73.0 1,020 3.8

Metropolitan Area

Metropolitan Status 100,311 100.0 19,056 19.0 3,749 3.7 1,964 2.0 71,538 71.3 4,004 4.0

Inside principal city 33,636 100.0 7,653 22.8 1,582 4.7 643 1.9 22,296 66.3 1,462 4.3

Not inside principal city 49,548 100.0 8,473 17.1 1,503 3.0 874 1.8 36,795 74.3 1,903 3.8

Not identified 17,127 100.0 2,930 17.1 664 3.9 447 2.6 12,448 72.7 639 3.7

Not in Metropolitan Area 19,193 100.0 3,542 18.5 845 4.4 548 2.9 13,649 71.1 608 3.2

Not Identified 903 100.0 244 27.0 51 5.6 30 3.3 553 61.2 26 2.8

Notes:

Figures do not always reconcile to totals because of rounding.

NA = Not available because the sample size was too small to make an accurate estimate.

- = For this table cell, there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that the true value is only slightly greater than zero.

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund 

anticipation loans. 
FDIC National Survey of Unbanked and Underbanked Households - Use of Aternative F

Table A-14 Unbanked Households’ Use of AFS Transaction and Credit Products in the Last Year by 

Demographic Characteristic

Household Characteristic

All Unbanked 

Households

Type of AFS Used in the Last Year

Transaction Products 

Only Transaction and Credit Credit only

Did Not Use Any AFS in 

the Last Year Unknown

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

All Unbanked Households 9,875 100.0 4,521 45.8 1,387 14.0 271 2.7 2,911 29.5 786 8.0

Household Family Type

Family household 5,905 100.0 2,878 48.7 988 16.7 185 3.1 1,453 24.6 400 6.8

Female householder, no husband 

present 2,971 100.0 1,442 48.5 489 16.5 125 4.2 749 25.2 166 5.6

Male householder, no wife present 807 100.0 383 47.5 166 20.6 11 1.4 182 22.6 64 7.9

Married couple 2,127 100.0 1,053 49.5 333 15.6 49 2.3 522 24.5 170 8.0

Nonfamily household 3,960 100.0 1,643 41.5 399 10.1 85 2.1 1,447 36.5 386 9.7

Female householder 1,702 100.0 597 35.1 166 9.8 40 2.3 708 41.6 191 11.2

Male householder 2,258 100.0 1,046 46.3 232 10.3 45 2.0 739 32.7 195 8.7

Other 11 100.0 NA NA NA NA NA NA NA NA NA NA

Race and Ethnicity of Householder

Black 3,430 100.0 1,591 46.4 440 12.8 101 3.0 971 28.3 327 9.5

Hispanic non-Black 2,762 100.0 1,455 52.7 255 9.2 54 2.0 818 29.6 180 6.5

Asian 134 100.0 38 28.2 2 1.5 - - 85 63.3 9 7.1

American Indian/Alaskan 202 100.0 97 48.1 39 19.6 6 2.7 53 26.1 7 3.5

Hawaiian/Pacific Islander 17 100.0 NA NA NA NA NA NA NA NA NA NA

White non-Black non-Hispanic 3,330 100.0 1,338 40.2 645 19.4 110 3.3 981 29.5 256 7.7

Spanish is Only Language Spoken

Spanish is not only language spoken 8,965 100.0 4,011 44.7 1,330 14.8 263 2.9 2,647 29.5 714 8.0

Spanish is only language spoken 910 100.0 510 56.0 56 6.2 8 0.9 264 29.0 72 7.9

Nativity

U.S.-born 7,673 100.0 3,372 43.9 1,285 16.7 237 3.1 2,185 28.5 595 7.7

Foreign-born citizen 453 100.0 161 35.6 17 3.9 12 2.6 217 47.9 46 10.1

Foreign-born non citizen 1,750 100.0 988 56.5 85 4.8 22 1.2 510 29.1 146 8.3

Age Group

15 to 24 years 1,094 100.0 543 49.6 146 13.3 20 1.8 317 29.0 68 6.3

25 to 34 years 2,587 100.0 1,263 48.8 462 17.8 104 4.0 594 23.0 164 6.4

35 to 44 years 1,994 100.0 986 49.5 361 18.1 61 3.1 456 22.9 130 6.5

45 to 54 years 2,002 100.0 885 44.2 276 13.8 53 2.6 607 30.3 180 9.0

55 to 64 years 1,202 100.0 560 46.6 100 8.3 18 1.5 390 32.5 133 11.1

65 years or more 997 100.0 283 28.4 42 4.3 15 1.5 547 54.9 110 11.0

Education

No high school degree 3,696 100.0 1,730 46.8 401 10.9 103 2.8 1,208 32.7 254 6.9

High school degree 3,764 100.0 1,697 45.1 615 16.3 100 2.7 1,014 26.9 338 9.0

Some college 2,002 100.0 971 48.5 339 16.9 68 3.4 497 24.8 127 6.3

College degree 413 100.0 122 29.5 32 7.8 - - 192 46.4 67 16.3

Employment Status

Employed 3,818 100.0 1,972 51.6 570 14.9 89 2.3 887 23.2 301 7.9

Unemployed 1,525 100.0 677 44.4 323 21.2 69 4.5 383 25.1 73 4.8

Not in labor force 4,532 100.0 1,871 41.3 494 10.9 113 2.5 1,642 36.2 412 9.1

Household Income

Less than $15,000 5,510 100.0 2,513 45.6 741 13.5 174 3.2 1,707 31.0 375 6.8

Between $15,000 and $30,000 2,581 100.0 1,191 46.2 407 15.8 54 2.1 684 26.5 244 9.4

Between $30,000 and $50,000 1,221 100.0 567 46.4 155 12.7 30 2.4 371 30.4 99 8.1

Between $50,000 and $75,000 431 100.0 200 46.4 64 14.9 9 2.0 105 24.3 54 12.4

At Least $75,000 132 100.0 49 37.3 19 14.3 4 3.0 45 34.1 15 11.4

Homeownership

Homeowner 2,238 100.0 955 42.7 247 11.0 64 2.8 763 34.1 210 9.4

Non-homeowner 7,637 100.0 3,566 46.7 1,140 14.9 207 2.7 2,148 28.1 576 7.5

Geographic Region

Northeast 1,537 100.0 751 48.9 151 9.8 24 1.5 516 33.6 95 6.2

Midwest 1,920 100.0 869 45.2 257 13.4 51 2.7 560 29.2 183 9.5

South 4,493 100.0 2,017 44.9 688 15.3 164 3.7 1,274 28.4 349 7.8

West 1,925 100.0 883 45.9 290 15.1 31 1.6 560 29.1 159 8.3

Metropolitan Status

Metropolitan Area 8,029 100.0 3,715 46.3 1,097 13.7 198 2.5 2,336 29.1 683 8.5

Inside principal city 4,066 100.0 1,897 46.7 531 13.1 95 2.3 1,184 29.1 358 8.8

Not inside principal city 2,754 100.0 1,293 47.0 395 14.3 69 2.5 738 26.8 259 9.4

Not identified 1,209 100.0 524 43.4 171 14.1 35 2.9 413 34.2 66 5.4

Not in Metropolitan Area 1,764 100.0 769 43.6 279 15.8 67 3.8 554 31.4 95 5.4

Not Identified 83 100.0 37 44.4 10 12.4 5 6.6 22 26.4 8 10.2

Notes:

Figures do not always reconcile to totals because of rounding.

NA = Not available because the sample size was too small to make an accurate estimate.

- = For this table cell, there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that the true value is only 

slightly greater than zero.

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund 

anticipation loans. 
FDIC National Survey of Unbanked and Underbanked Households - Use of Aternative F

Table A-15 Underbanked Households’ Use of AFS Transaction and Credit Products in the Last Year by 

Demographic Characteristic

Household Characteristic

All Underbanked 

Households

Type of AFS Used in the Last Year

Transaction Products Only Transaction and Credit Credit Only Unknown

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

All Underbanked Households 24,199 100.0 18,321 75.7 3,258 13.5 2,272 9.4 348 1.4

Household Family Type

Family household 16,931 100.0 12,600 74.4 2,373 14.0 1,689 10.0 269 1.6

Female householder, no husband 

present 4,598 100.0 3,091 67.2 886 19.3 514 11.2 107 2.3

Male householder, no wife present 1,662 100.0 1,145 68.9 335 20.1 158 9.5 23 1.4

Married couple 10,671 100.0 8,364 78.4 1,152 10.8 1,017 9.5 138 1.3

Nonfamily household 7,239 100.0 5,693 78.6 884 12.2 583 8.0 80 1.1

Female householder 3,359 100.0 2,692 80.2 348 10.4 273 8.1 46 1.4

Male householder 3,880 100.0 3,001 77.3 536 13.8 310 8.0 34 0.9

Other 29 100.0 NA NA NA NA NA NA NA NA

Race and Ethnicity of Householder

Black 5,441 100.0 4,052 74.5 954 17.5 369 6.8 66 1.2

Hispanic non-Black 3,927 100.0 3,066 78.1 496 12.6 301 7.7 64 1.6

Asian 825 100.0 741 89.7 34 4.1 27 3.3 24 2.9

American Indian/Alaskan 372 100.0 249 66.8 64 17.1 52 14.0 7 2.0

Hawaiian/Pacific Islander 81 100.0 50 62.4 14 16.9 14 17.9 2 2.8

White non-Black non-Hispanic 13,551 100.0 10,161 75.0 1,697 12.5 1,508 11.1 185 1.4

Other non-Black non-Hispanic 3 100.0 NA NA NA NA NA NA NA NA

Spanish is Only Language Spoken

Spanish is not only language spoken 23,496 100.0 17,745 75.5 3,180 13.5 2,239 9.5 331 1.4

Spanish is only language spoken 703 100.0 576 81.9 78 11.0 33 4.7 17 2.4

Nativity

U.S.-born 20,038 100.0 14,703 73.4 2,938 14.7 2,129 10.6 268 1.3

Foreign-born citizen 1,880 100.0 1,691 90.0 106 5.6 55 2.9 28 1.5

Foreign-born non citizen 2,282 100.0 1,927 84.5 214 9.4 88 3.9 52 2.3

Age Group

15 to 24 years 1,955 100.0 1,376 70.4 402 20.5 148 7.6 30 1.5

25 to 34 years 4,993 100.0 3,528 70.7 863 17.3 545 10.9 57 1.1

35 to 44 years 4,918 100.0 3,474 70.7 803 16.3 561 11.4 80 1.6

45 to 54 years 5,336 100.0 4,128 77.3 612 11.5 520 9.7 76 1.4

55 to 64 years 4,064 100.0 3,302 81.2 369 9.1 322 7.9 71 1.7

65 years or more 2,933 100.0 2,513 85.7 209 7.1 176 6.0 34 1.2

Education

No high school degree 3,505 100.0 2,555 72.9 556 15.9 315 9.0 80 2.3

High school degree 7,638 100.0 5,511 72.2 1,206 15.8 807 10.6 114 1.5

Some college 7,676 100.0 5,597 72.9 1,124 14.6 866 11.3 89 1.2

College degree 5,380 100.0 4,659 86.6 372 6.9 283 5.3 65 1.2

Employment Status

Employed 15,515 100.0 11,844 76.3 2,046 13.2 1,394 9.0 231 1.5

Unemployed 1,899 100.0 1,219 64.2 384 20.2 276 14.6 19 1.0

Not in labor force 6,786 100.0 5,258 77.5 828 12.2 602 8.9 98 1.5

Household Income

Less than $15,000 4,225 100.0 2,938 69.5 717 17.0 503 11.9 67 1.6

Between $15,000 and $30,000 5,628 100.0 4,007 71.2 946 16.8 589 10.5 86 1.5

Between $30,000 and $50,000 5,787 100.0 4,302 74.3 841 14.5 553 9.6 91 1.6

Between $50,000 and $75,000 4,142 100.0 3,210 77.5 525 12.7 362 8.7 45 1.1

At Least $75,000 4,418 100.0 3,864 87.5 229 5.2 264 6.0 60 1.4

Homeownership

Homeowner 12,590 100.0 10,182 80.9 1,170 9.3 1,081 8.6 156 1.2

Non-homeowner 11,610 100.0 8,139 70.1 2,088 18.0 1,190 10.3 192 1.7

Geographic Region

Northeast 3,908 100.0 3,288 84.1 362 9.3 200 5.1 58 1.5

Midwest 4,772 100.0 3,553 74.4 597 12.5 551 11.6 71 1.5

South 10,429 100.0 7,666 73.5 1,621 15.5 998 9.6 143 1.4

West 5,090 100.0 3,815 74.9 678 13.3 522 10.2 76 1.5

Metropolitan Status

Metropolitan Area 20,066 100.0 15,341 76.5 2,652 13.2 1,765 8.8 308 1.5

Inside principal city 7,485 100.0 5,756 76.9 1,051 14.0 548 7.3 130 1.7

Not inside principal city 9,214 100.0 7,179 77.9 1,108 12.0 805 8.7 121 1.3

Not identified 3,367 100.0 2,405 71.4 493 14.6 412 12.2 57 1.7

Not in Metropolitan Area 3,857 100.0 2,773 71.9 566 14.7 482 12.5 37 1.0

Not Identified 276 100.0 207 75.1 40 14.6 25 8.9 4 1.4

Notes:

Figures do not always reconcile to totals because of rounding.

NA = Not available because the sample size was too small to make an accurate estimate.

- = For this table cell, there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that the true 

value is only slightly greater than zero.

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements 

and refund anticipation loans. 
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

5. State Summary Tables
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table B-1 All Households’ Use of AFS by State

Geography

All Households

Ever Used An AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used 

Transaction AFS

Used Transaction 

AFS in the Last Year

Ever Used Credit 

AFS

Used Credit AFS in 

the Last Year

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

All Households 120,408 100.0 51,611 42.9 65,335 54.3 3,461 2.9 47,109 39.1 28,011 23.3 17,109 14.2 7,243 6.0

Alabama 1,889 100.0 1,116 59.1 720 38.1 53 2.8 1,012 53.6 599 31.7 365 19.3 200 10.6

Alaska 276 100.0 114 41.1 152 55.1 10 3.8 102 36.8 58 21.0 49 17.6 18 6.5

Arizona 2,622 100.0 1,189 45.4 1,392 53.1 41 1.6 1,097 41.8 678 25.9 408 15.6 184 7.0

Arkansas 1,142 100.0 664 58.1 448 39.2 30 2.6 593 51.9 374 32.8 246 21.5 101 8.9

California 13,191 100.0 5,047 38.3 7,722 58.5 422 3.2 4,674 35.4 2,885 21.9 1,463 11.1 567 4.3

Colorado 1,974 100.0 843 42.7 1,096 55.5 35 1.8 735 37.3 334 16.9 346 17.5 125 6.3

Connecticut 1,365 100.0 419 30.7 916 67.1 30 2.2 377 27.6 211 15.5 124 9.1 49 3.6

Delaware 346 100.0 119 34.5 219 63.4 7 2.2 111 32.2 64 18.6 29 8.3 11 3.1

District of Columbia 281 100.0 123 43.9 148 52.6 10 3.5 120 42.5 79 28.2 23 8.3 8 2.7

Florida 7,801 100.0 3,295 42.2 4,215 54.0 291 3.7 2,984 38.3 1,844 23.6 1,026 13.2 454 5.8

Georgia 3,834 100.0 2,028 52.9 1,694 44.2 112 2.9 1,856 48.4 1,184 30.9 750 19.6 349 9.1

Hawaii 443 100.0 168 38.0 251 56.7 23 5.3 155 34.9 90 20.3 57 12.8 14 3.1

Idaho 589 100.0 254 43.0 326 55.3 10 1.6 226 38.3 119 20.2 104 17.7 47 8.0

Illinois 4,956 100.0 1,966 39.7 2,828 57.1 162 3.3 1,782 36.0 1,042 21.0 599 12.1 204 4.1

Indiana 2,560 100.0 1,046 40.8 1,457 56.9 57 2.2 931 36.4 535 20.9 359 14.0 174 6.8

Iowa 1,244 100.0 437 35.1 769 61.8 38 3.1 384 30.9 223 17.9 158 12.7 65 5.2

Kansas 1,136 100.0 496 43.6 622 54.8 18 1.6 442 38.9 261 22.9 223 19.6 106 9.3

Kentucky 1,819 100.0 851 46.8 944 51.9 25 1.4 765 42.0 457 25.1 328 18.0 143 7.9

Louisiana 1,816 100.0 935 51.5 817 45.0 64 3.5 881 48.5 579 31.9 300 16.5 103 5.7

Maine 546 100.0 239 43.8 300 55.0 7 1.3 203 37.1 101 18.5 104 19.0 41 7.5

Maryland 2,170 100.0 885 40.8 1,229 56.6 55 2.5 832 38.3 513 23.7 194 8.9 82 3.8

Massachusetts 2,614 100.0 817 31.3 1,708 65.3 89 3.4 746 28.5 412 15.8 220 8.4 85 3.3

Michigan 3,969 100.0 1,631 41.1 2,209 55.7 129 3.2 1,481 37.3 825 20.8 510 12.8 184 4.6

Minnesota 2,163 100.0 623 28.8 1,498 69.3 42 2.0 546 25.2 277 12.8 181 8.4 63 2.9

Mississippi 1,143 100.0 593 51.9 540 47.2 10 0.9 554 48.5 359 31.4 201 17.6 85 7.5

Missouri 2,490 100.0 1,190 47.8 1,251 50.3 49 2.0 1,070 43.0 611 24.5 469 18.8 163 6.5

Montana 426 100.0 198 46.5 222 52.1 6 1.4 169 39.7 91 21.3 90 21.1 41 9.7

Nebraska 734 100.0 272 37.1 444 60.5 18 2.4 240 32.7 132 18.1 88 12.0 33 4.5

Nevada 1,035 100.0 533 51.5 468 45.2 35 3.4 494 47.7 334 32.2 218 21.1 123 11.9

New Hampshire 526 100.0 162 30.8 353 67.1 11 2.1 148 28.2 66 12.6 42 7.9 13 2.5

New Jersey 3,202 100.0 1,471 45.9 1,692 52.8 40 1.2 1,423 44.4 751 23.5 257 8.0 94 2.9

New Mexico 816 100.0 383 46.9 403 49.4 30 3.7 368 45.1 228 28.0 114 14.0 50 6.2

New York 7,677 100.0 3,169 41.3 4,213 54.9 294 3.8 3,057 39.8 1,905 24.8 615 8.0 189 2.5

North Carolina 3,878 100.0 1,634 42.1 2,134 55.0 111 2.9 1,495 38.5 990 25.5 570 14.7 218 5.6

North Dakota 283 100.0 103 36.4 175 61.8 5 1.8 91 32.3 53 18.6 36 12.9 16 5.8

Ohio 4,719 100.0 2,062 43.7 2,412 51.1 244 5.2 1,829 38.8 988 20.9 823 17.4 333 7.1

Oklahoma 1,503 100.0 756 50.3 706 47.0 40 2.7 670 44.6 426 28.4 312 20.8 151 10.0

Oregon 1,522 100.0 614 40.4 871 57.2 37 2.4 545 35.8 243 16.0 235 15.5 77 5.0

Pennsylvania 5,161 100.0 2,114 40.9 2,902 56.2 146 2.8 2,004 38.8 1,055 20.4 606 11.7 237 4.6

Rhode Island 423 100.0 158 37.4 250 59.0 15 3.6 146 34.6 81 19.2 42 10.0 22 5.1

South Carolina 1,787 100.0 864 48.4 887 49.6 36 2.0 810 45.3 434 24.3 307 17.2 116 6.5

South Dakota 329 100.0 146 44.3 177 53.8 6 1.9 130 39.4 72 21.8 62 19.0 30 9.1

Tennessee 2,605 100.0 1,114 42.8 1,459 56.0 31 1.2 1,006 38.6 614 23.6 442 17.0 250 9.6

Texas 9,136 100.0 4,786 52.4 4,157 45.5 193 2.1 4,305 47.1 2,985 32.7 1,985 21.7 1,007 11.0

Utah 926 100.0 366 39.5 555 59.9 6 0.6 315 34.0 174 18.8 144 15.5 64 6.9

Vermont 269 100.0 104 38.6 160 59.5 5 1.8 97 36.1 47 17.5 25 9.3 10 3.8

Virginia 3,008 100.0 1,056 35.1 1,783 59.3 169 5.6 934 31.1 534 17.8 358 11.9 179 6.0

Washington 2,748 100.0 1,202 43.7 1,475 53.7 72 2.6 1,029 37.4 499 18.2 510 18.5 207 7.5

West Virginia 762 100.0 382 50.1 347 45.6 33 4.3 350 45.9 173 22.8 126 16.5 48 6.3

Wisconsin 2,316 100.0 770 33.2 1,496 64.6 51 2.2 695 30.0 367 15.8 218 9.4 91 3.9

Wyoming 236 100.0 107 45.2 123 52.1 6 2.7 98 41.3 55 23.3 48 20.2 19 7.9

Notes:

Figures do not always reconcile to totals because of rounding.

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund anticipation loans. 
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table B-2 Unbanked Households’ Use of AFS by State

Geography

All Unbanked 

Households

Ever Used An AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used 

Transaction AFS

Used Transaction 

AFS in the Last Year

Ever Used Credit 

AFS

Used Credit AFS in 

the Last Year

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

All Unbanked Households 9,875 100.0 7,338 74.3 2,036 20.6 501 5.1 6,968 70.6 6,137 62.1 3,138 31.8 1,660 16.8

Alabama 193 100.0 162 83.9 27 14.2 4 1.9 142 74.0 122 63.5 91 47.2 58 30.2

Alaska 14 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Arizona 304 100.0 200 65.9 97 32.1 6 2.0 196 64.5 192 63.1 92 30.4 71 23.4

Arkansas 141 100.0 111 78.6 18 12.7 12 8.8 102 72.5 80 56.4 38 27.3 23 16.4

California 1,030 100.0 757 73.5 213 20.7 60 5.8 743 72.1 674 65.4 227 22.0 119 11.5

Colorado 107 100.0 83 77.5 22 20.7 2 1.8 75 70.2 69 64.5 50 46.5 26 24.5

Connecticut 73 100.0 40 54.6 30 41.5 3 3.9 39 53.0 29 39.6 15 19.9 7 9.7

Delaware 23 100.0 17 73.4 4 18.8 2 7.8 17 73.4 15 65.0 5 19.9 2 9.2

District of Columbia 31 100.0 21 69.9 8 24.5 2 5.6 21 68.8 19 63.5 4 13.7 1 2.5

Florida 570 100.0 406 71.2 122 21.4 42 7.4 378 66.4 343 60.2 114 20.1 62 10.9

Georgia 442 100.0 326 73.7 91 20.7 25 5.6 302 68.3 264 59.7 149 33.7 69 15.5

Hawaii 17 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Idaho 33 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Illinois 374 100.0 294 78.6 56 15.1 24 6.3 271 72.4 231 61.6 102 27.3 47 12.6

Indiana 201 100.0 144 71.9 46 23.0 10 5.2 140 69.8 127 63.5 61 30.2 25 12.2

Iowa 54 100.0 43 79.8 10 17.6 1 2.7 40 74.2 32 59.1 17 32.0 7 13.2

Kansas 81 100.0 70 86.6 8 9.9 3 3.5 68 84.4 66 81.3 41 50.5 23 28.7

Kentucky 179 100.0 140 78.2 31 17.3 8 4.5 138 77.1 121 67.7 72 40.1 33 18.2

Louisiana 209 100.0 141 67.7 46 22.2 21 10.1 135 64.6 114 54.6 49 23.7 15 7.1

Maine 20 100.0 16 79.7 3 13.6 1 6.7 15 71.2 13 65.7 11 53.8 5 25.6

Maryland 123 100.0 97 79.4 18 14.7 7 5.9 95 77.5 83 67.4 20 16.0 8 6.5

Massachusetts 128 100.0 93 72.3 31 23.9 5 3.8 84 65.6 74 57.8 47 36.3 18 13.6

Michigan 307 100.0 230 75.0 64 20.7 13 4.3 223 72.7 201 65.5 103 33.7 42 13.5

Minnesota 90 100.0 54 60.5 29 32.8 6 6.6 50 55.2 41 46.3 24 27.1 13 14.7

Mississippi 173 100.0 134 77.4 35 20.0 4 2.6 120 69.6 97 56.1 63 36.6 38 22.1

Missouri 237 100.0 186 78.5 47 20.0 3 1.5 167 70.6 149 62.8 105 44.2 59 24.7

Montana 21 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Nebraska 27 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Nevada 77 100.0 58 75.2 10 13.4 9 11.5 57 73.3 52 67.3 33 43.0 20 26.4

New Hampshire 10 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

New Jersey 212 100.0 165 78.1 43 20.2 4 1.7 156 73.8 143 67.7 53 24.9 26 12.2

New Mexico 94 100.0 53 56.6 41 43.4 - - 53 56.6 48 51.3 17 18.0 10 10.8

New York 740 100.0 530 71.6 177 23.9 34 4.6 514 69.4 461 62.3 174 23.4 70 9.5

North Carolina 359 100.0 251 69.9 93 26.0 15 4.1 244 67.8 208 58.0 74 20.6 41 11.5

North Dakota 15 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Ohio 414 100.0 269 64.9 98 23.6 48 11.6 256 61.8 216 52.2 141 34.0 69 16.7

Oklahoma 164 100.0 139 84.5 24 14.4 2 1.1 130 79.3 118 71.8 62 37.6 44 26.6

Oregon 65 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Pennsylvania 315 100.0 213 67.5 82 26.0 21 6.5 213 67.5 180 57.1 83 26.3 43 13.5

Rhode Island 30 100.0 20 68.6 8 26.4 1 5.0 20 67.1 14 47.6 7 22.9 4 13.3

South Carolina 166 100.0 133 80.1 21 12.8 12 7.1 130 78.2 110 66.2 58 34.9 14 8.4

South Dakota 15 100.0 13 87.0 1 8.5 1 4.5 12 85.0 11 78.1 7 47.7 5 32.2

Tennessee 283 100.0 264 93.3 19 6.7 - - 259 91.5 233 82.5 133 47.2 65 23.1

Texas 1,167 100.0 914 78.3 205 17.5 48 4.1 851 73.0 755 64.7 512 43.9 319 27.4

Utah 26 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Vermont 9 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Virginia 199 100.0 113 56.9 69 34.7 17 8.4 103 51.8 89 44.6 56 28.1 39 19.8

Washington 123 100.0 93 75.8 20 16.2 10 8.0 90 73.3 73 58.9 46 37.6 34 27.9

West Virginia 72 100.0 60 82.9 11 15.2 1 1.9 54 74.8 39 54.1 35 48.7 21 28.8

Wisconsin 105 100.0 87 82.5 16 15.1 3 2.4 81 77.1 67 63.5 29 27.4 12 11.3

Wyoming 14 100.0 12 85.0 1 10.2 1 4.8 12 85.0 11 78.9 8 57.8 5 38.9

Notes:

Figures do not always reconcile to totals because of rounding.

NA = Not available because the sample size was too small to make an accurate estimate.

- = For this table cell, there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that the true value is only slightly greater than zero.

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund 

anticipation loans. 
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table B-3 Underbanked Households’ Use of AFS by State

Geography

All Underbanked 

Households Ever Used An AFS

Memo Items

Ever Used Transaction 

AFS

Used Transaction AFS 

in the Last Year Ever Used Credit AFS

Used Credit AFS in the 

Last Year

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

All Underbanked Households 24,199 100.0 24,199 100.0 22,711 93.9 21,874 90.4 9,011 37.2 5,583 23.1

Alabama 544 100.0 544 100.0 495 90.9 476 87.5 194 35.7 142 26.0

Alaska 56 100.0 56 100.0 52 92.9 50 88.9 27 47.9 16 28.0

Arizona 537 100.0 537 100.0 501 93.3 486 90.4 209 38.8 113 20.9

Arkansas 321 100.0 321 100.0 305 94.9 295 91.7 136 42.2 78 24.4

California 2,374 100.0 2,374 100.0 2,264 95.3 2,211 93.1 762 32.1 449 18.9

Colorado 317 100.0 317 100.0 285 89.7 265 83.7 163 51.4 99 31.2

Connecticut 208 100.0 208 100.0 192 92.5 182 87.6 69 32.9 42 20.3

Delaware 54 100.0 54 100.0 51 95.5 49 91.9 13 24.0 9 15.9

District of Columbia 63 100.0 63 100.0 62 98.5 60 95.6 12 20.0 7 11.0

Florida 1,645 100.0 1,645 100.0 1,559 94.8 1,500 91.2 536 32.6 391 23.8

Georgia 1,026 100.0 1,026 100.0 960 93.5 919 89.6 448 43.7 280 27.3

Hawaii 89 100.0 89 100.0 84 94.7 83 93.3 31 34.7 13 14.7

Idaho 112 100.0 112 100.0 101 90.7 97 86.5 59 53.1 40 35.5

Illinois 879 100.0 879 100.0 836 95.1 811 92.3 284 32.3 157 17.8

Indiana 489 100.0 489 100.0 433 88.6 408 83.4 221 45.2 149 30.5

Iowa 215 100.0 215 100.0 194 90.4 191 89.0 89 41.6 57 26.8

Kansas 223 100.0 223 100.0 205 91.8 195 87.2 111 49.6 83 37.0

Kentucky 391 100.0 391 100.0 353 90.4 336 85.8 173 44.3 110 28.2

Louisiana 495 100.0 495 100.0 475 96.0 465 94.0 164 33.2 88 17.8

Maine 104 100.0 104 100.0 91 87.4 88 84.4 51 49.2 36 34.3

Maryland 461 100.0 461 100.0 437 94.9 431 93.5 120 26.0 74 16.1

Massachusetts 369 100.0 369 100.0 350 94.9 338 91.6 108 29.4 68 18.4

Michigan 685 100.0 685 100.0 645 94.1 624 91.1 244 35.7 142 20.8

Minnesota 272 100.0 272 100.0 244 89.9 236 86.6 85 31.1 50 18.3

Mississippi 269 100.0 269 100.0 265 98.4 262 97.4 87 32.4 47 17.5

Missouri 514 100.0 514 100.0 490 95.3 462 89.8 221 42.9 104 20.2

Montana 93 100.0 93 100.0 87 93.3 78 83.0 46 49.1 35 37.6

Nebraska 130 100.0 130 100.0 116 89.0 114 87.6 45 34.2 28 21.2

Nevada 323 100.0 323 100.0 301 93.1 282 87.2 144 44.5 103 31.8

New Hampshire 66 100.0 66 100.0 63 95.4 61 92.2 17 25.8 12 17.9

New Jersey 621 100.0 621 100.0 618 99.5 608 98.0 139 22.4 69 11.1

New Mexico 193 100.0 193 100.0 186 96.3 180 93.5 65 33.9 40 20.9

New York 1,487 100.0 1,487 100.0 1,469 98.8 1,444 97.1 273 18.4 119 8.0

North Carolina 840 100.0 840 100.0 801 95.3 781 93.0 331 39.3 177 21.1

North Dakota 51 100.0 51 100.0 48 93.2 45 87.6 19 36.9 14 28.3

Ohio 912 100.0 912 100.0 819 89.8 772 84.6 449 49.3 264 29.0

Oklahoma 349 100.0 349 100.0 319 91.5 309 88.4 152 43.6 107 30.7

Oregon 219 100.0 219 100.0 203 92.9 194 88.7 96 43.9 62 28.6

Pennsylvania 931 100.0 931 100.0 894 96.1 875 94.0 337 36.2 194 20.9

Rhode Island 75 100.0 75 100.0 69 91.2 67 89.1 27 36.2 18 23.6

South Carolina 369 100.0 369 100.0 349 94.8 325 88.0 161 43.7 102 27.7

South Dakota 72 100.0 72 100.0 65 89.1 60 83.3 38 53.0 25 34.9

Tennessee 473 100.0 473 100.0 413 87.3 381 80.6 235 49.7 184 39.0

Texas 2,481 100.0 2,481 100.0 2,312 93.2 2,230 89.9 1,097 44.2 688 27.7

Utah 195 100.0 195 100.0 174 89.3 161 82.6 90 46.2 57 29.3

Vermont 47 100.0 47 100.0 44 93.2 41 87.1 14 30.0 9 19.3

Virginia 503 100.0 503 100.0 462 91.8 445 88.4 186 37.0 140 27.8

Washington 533 100.0 533 100.0 477 89.6 426 80.0 247 46.3 173 32.4

West Virginia 146 100.0 146 100.0 140 96.2 134 91.9 55 37.7 27 18.4

Wisconsin 329 100.0 329 100.0 309 93.9 300 91.1 107 32.4 79 24.0

Wyoming 50 100.0 50 100.0 46 91.6 44 89.0 25 50.8 13 26.9

Notes:

Figures do not always reconcile to totals because of rounding.

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund anticipation loans. 
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table B-4 Fully Banked Households’ Use of AFS by State

Geography

All Fully Banked 

Households

Ever Used An AFS Memo Items

Has Ever Used Has Never Used Ever Used Transaction AFS Ever Used Credit AFS

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

All Fully Banked Households 82,830 100.0 19,531 23.6 63,299 76.4 16,945 20.5 4,855 5.9

Alabama 1,099 100.0 407 37.0 692 63.0 372 33.8 80 7.3

Alaska 196 100.0 48 24.5 148 75.5 41 20.7 17 8.6

Arizona 1,734 100.0 440 25.4 1,294 74.6 388 22.4 102 5.9

Arkansas 658 100.0 227 34.6 430 65.4 182 27.6 72 11.0

California 9,355 100.0 1,846 19.7 7,509 80.3 1,605 17.2 468 5.0

Colorado 1,510 100.0 436 28.9 1,074 71.1 369 24.5 133 8.8

Connecticut 1,056 100.0 170 16.1 886 83.9 145 13.7 41 3.9

Delaware 262 100.0 48 18.1 215 81.9 42 16.0 11 4.3

District of Columbia 180 100.0 39 21.9 140 78.1 37 20.5 7 3.8

Florida 5,309 100.0 1,216 22.9 4,093 77.1 1,030 19.4 365 6.9

Georgia 2,248 100.0 645 28.7 1,602 71.3 565 25.1 148 6.6

Hawaii 313 100.0 67 21.3 246 78.7 59 19.0 21 6.5

Idaho 432 100.0 114 26.3 318 73.7 99 22.9 28 6.4

Illinois 3,546 100.0 775 21.8 2,772 78.2 657 18.5 209 5.9

Indiana 1,817 100.0 407 22.4 1,411 77.6 352 19.4 77 4.3

Iowa 932 100.0 173 18.5 760 81.5 144 15.4 51 5.5

Kansas 814 100.0 199 24.5 614 75.5 167 20.5 70 8.6

Kentucky 1,225 100.0 312 25.5 913 74.5 266 21.7 83 6.8

Louisiana 1,066 100.0 295 27.7 771 72.3 272 25.5 83 7.8

Maine 413 100.0 115 27.9 297 72.1 94 22.9 41 10.0

Maryland 1,528 100.0 316 20.7 1,211 79.3 294 19.2 49 3.2

Massachusetts 2,029 100.0 351 17.3 1,678 82.7 308 15.2 65 3.2

Michigan 2,824 100.0 678 24.0 2,146 76.0 580 20.5 154 5.5

Minnesota 1,763 100.0 295 16.7 1,469 83.3 252 14.3 70 4.0

Mississippi 696 100.0 191 27.4 505 72.6 169 24.3 50 7.2

Missouri 1,681 100.0 477 28.4 1,204 71.6 403 24.0 141 8.4

Montana 303 100.0 85 28.0 218 72.0 65 21.4 30 9.8

Nebraska 559 100.0 119 21.4 440 78.6 103 18.4 35 6.2

Nevada 600 100.0 143 23.8 457 76.2 128 21.3 41 6.9

New Hampshire 439 100.0 88 20.0 351 80.0 77 17.5 21 4.9

New Jersey 2,297 100.0 648 28.2 1,649 71.8 612 26.6 65 2.8

New Mexico 494 100.0 132 26.7 362 73.3 124 25.2 27 5.5

New York 5,159 100.0 1,122 21.8 4,037 78.2 1,043 20.2 169 3.3

North Carolina 2,579 100.0 538 20.9 2,041 79.1 447 17.3 166 6.4

North Dakota 210 100.0 41 19.5 169 80.5 34 16.1 12 5.9

Ohio 3,172 100.0 857 27.0 2,315 73.0 730 23.0 229 7.2

Oklahoma 935 100.0 253 27.0 683 73.0 205 21.9 93 9.9

Oregon 1,195 100.0 328 27.4 867 72.6 279 23.3 97 8.1

Pennsylvania 3,771 100.0 951 25.2 2,820 74.8 879 23.3 186 4.9

Rhode Island 304 100.0 62 20.4 242 79.6 57 18.8 8 2.7

South Carolina 1,219 100.0 353 29.0 865 71.0 321 26.4 85 7.0

South Dakota 236 100.0 60 25.4 176 74.6 52 22.2 16 6.9

Tennessee 1,818 100.0 378 20.8 1,440 79.2 334 18.4 74 4.0

Texas 5,309 100.0 1,356 25.5 3,952 74.5 1,107 20.9 376 7.1

Utah 694 100.0 143 20.6 551 79.4 120 17.3 35 5.1

Vermont 207 100.0 49 23.6 158 76.4 46 22.1 8 3.8

Virginia 2,138 100.0 424 19.8 1,714 80.2 361 16.9 109 5.1

Washington 2,012 100.0 557 27.7 1,455 72.3 443 22.0 210 10.5

West Virginia 505 100.0 169 33.4 336 66.6 148 29.4 34 6.8

Wisconsin 1,823 100.0 343 18.8 1,480 81.2 299 16.4 77 4.2

Wyoming 167 100.0 45 27.0 122 73.0 40 24.1 14 8.7

Notes:

Figures do not always reconcile to totals because of rounding.

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund 

anticipation loans. 
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table B-5 Timing of Households’ Use of AFS by State

Geography

All Households

AFS Usea Memo Item

In Last 30 Daysb

In the Last 2-12 

months

Not in the Last 12 

Months Never Used Unknown

AFS Use in the Last 

year

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

All Households 120,408 100.0 14,470 12.0 16,139 13.4 21,002 17.4 65,335 54.3 3,461 2.9 30,609 25.4

Alabama 1,889 100.0 236 12.5 433 22.9 446 23.6 720 38.1 53 2.8 670 35.5

Alaska 276 100.0 24 8.7 40 14.5 49 17.9 152 55.1 10 3.8 64 23.2

Arizona 2,622 100.0 326 12.4 408 15.5 456 17.4 1,392 53.1 41 1.6 734 28.0

Arkansas 1,142 100.0 187 16.4 220 19.3 257 22.5 448 39.2 30 2.6 407 35.7

California 13,191 100.0 1,717 13.0 1,339 10.2 1,991 15.1 7,722 58.5 422 3.2 3,056 23.2

Colorado 1,974 100.0 165 8.4 225 11.4 453 22.9 1,096 55.5 35 1.8 390 19.8

Connecticut 1,365 100.0 94 6.9 144 10.6 181 13.2 916 67.1 30 2.2 238 17.4

Delaware 346 100.0 31 9.1 37 10.8 50 14.6 219 63.4 7 2.2 69 19.9

District of Columbia 281 100.0 44 15.7 38 13.5 41 14.7 148 52.6 10 3.5 82 29.2

Florida 7,801 100.0 885 11.3 1,122 14.4 1,288 16.5 4,215 54.0 291 3.7 2,007 25.7

Georgia 3,834 100.0 655 17.1 657 17.1 716 18.7 1,694 44.2 112 2.9 1,312 34.2

Hawaii 443 100.0 33 7.5 63 14.2 72 16.3 251 56.7 23 5.3 96 21.7

Idaho 589 100.0 64 10.9 70 11.8 120 20.3 326 55.3 10 1.6 134 22.7

Illinois 4,956 100.0 509 10.3 615 12.4 842 17.0 2,828 57.1 162 3.3 1,124 22.7

Indiana 2,560 100.0 278 10.9 338 13.2 429 16.8 1,457 56.9 57 2.2 616 24.1

Iowa 1,244 100.0 117 9.4 133 10.7 187 15.0 769 61.8 38 3.1 250 20.1

Kansas 1,136 100.0 158 13.9 134 11.8 203 17.9 622 54.8 18 1.6 292 25.7

Kentucky 1,819 100.0 238 13.1 274 15.1 339 18.6 944 51.9 25 1.4 512 28.2

Louisiana 1,816 100.0 306 16.8 309 17.0 320 17.6 817 45.0 64 3.5 615 33.9

Maine 546 100.0 45 8.2 74 13.5 121 22.1 300 55.0 7 1.3 119 21.7

Maryland 2,170 100.0 245 11.3 298 13.8 342 15.8 1,229 56.6 55 2.5 543 25.0

Massachusetts 2,614 100.0 201 7.7 247 9.4 370 14.2 1,708 65.3 89 3.4 447 17.1

Michigan 3,969 100.0 385 9.7 500 12.6 745 18.8 2,209 55.7 129 3.2 886 22.3

Minnesota 2,163 100.0 118 5.5 199 9.2 306 14.1 1,498 69.3 42 2.0 317 14.7

Mississippi 1,143 100.0 173 15.2 203 17.7 217 19.0 540 47.2 10 0.9 376 32.9

Missouri 2,490 100.0 300 12.0 379 15.2 511 20.5 1,251 50.3 49 2.0 679 27.3

Montana 426 100.0 46 10.8 62 14.6 90 21.0 222 52.1 6 1.4 108 25.4

Nebraska 734 100.0 67 9.1 83 11.3 122 16.7 444 60.5 18 2.4 150 20.4

Nevada 1,035 100.0 185 17.9 190 18.4 158 15.2 468 45.2 35 3.4 375 36.2

New Hampshire 526 100.0 22 4.3 49 9.3 90 17.2 353 67.1 11 2.1 72 13.6

New Jersey 3,202 100.0 341 10.7 432 13.5 698 21.8 1,692 52.8 40 1.2 773 24.1

New Mexico 816 100.0 135 16.5 106 13.0 142 17.4 403 49.4 30 3.7 241 29.5

New York 7,677 100.0 884 11.5 1,068 13.9 1,217 15.9 4,213 54.9 294 3.8 1,952 25.4

North Carolina 3,878 100.0 456 11.8 597 15.4 581 15.0 2,134 55.0 111 2.9 1,053 27.1

North Dakota 283 100.0 26 9.1 33 11.8 44 15.5 175 61.8 5 1.8 59 20.9

Ohio 4,719 100.0 521 11.0 610 12.9 931 19.7 2,412 51.1 244 5.2 1,131 24.0

Oklahoma 1,503 100.0 214 14.3 261 17.4 281 18.7 706 47.0 40 2.7 475 31.6

Oregon 1,522 100.0 140 9.2 130 8.6 344 22.6 871 57.2 37 2.4 271 17.8

Pennsylvania 5,161 100.0 501 9.7 614 11.9 999 19.3 2,902 56.2 146 2.8 1,115 21.6

Rhode Island 423 100.0 43 10.2 47 11.0 68 16.2 250 59.0 15 3.6 90 21.2

South Carolina 1,787 100.0 233 13.1 245 13.7 386 21.6 887 49.6 36 2.0 478 26.8

South Dakota 329 100.0 40 12.0 45 13.5 62 18.8 177 53.8 6 1.9 84 25.6

Tennessee 2,605 100.0 314 12.1 400 15.4 400 15.3 1,459 56.0 31 1.2 714 27.4

Texas 9,136 100.0 1,834 20.1 1,459 16.0 1,493 16.3 4,157 45.5 193 2.1 3,293 36.0

Utah 926 100.0 80 8.6 132 14.2 154 16.7 555 59.9 6 0.6 211 22.8

Vermont 269 100.0 19 7.0 34 12.7 51 18.9 160 59.5 5 1.8 53 19.8

Virginia 3,008 100.0 307 10.2 295 9.8 453 15.1 1,783 59.3 169 5.6 602 20.0

Washington 2,748 100.0 242 8.8 373 13.6 586 21.3 1,475 53.7 72 2.6 615 22.4

West Virginia 762 100.0 65 8.5 130 17.0 188 24.6 347 45.6 33 4.3 195 25.5

Wisconsin 2,316 100.0 187 8.1 216 9.3 367 15.9 1,496 64.6 51 2.2 402 17.4

Wyoming 236 100.0 32 13.6 28 12.1 46 19.5 123 52.1 6 2.7 60 25.6

Notes:

Figures do not always reconcile to totals because of rounding.

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked 

whether they use rent-to-own agreements or refund anticipation loans in the last 30 days.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table B-6 Timing of Unbanked Households’ Use of AFS by State

Geography

All Unbanked 

Households

AFS Usea Memo Item

In Last 30 Daysb

In the Last 2-12 

months

Not in the Last 12 

Months Never Used Unknown

AFS Use in the Last 

year

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

All Unbanked Households 9,875 100.0 4,490 45.5 1,920 19.4 929 9.4 2,036 20.6 501 5.1 6,410 64.9

Alabama 193 100.0 96 49.7 30 15.5 36 18.8 27 14.2 4 1.9 125 65.1

Alaska 14 100.0 NA NA NA NA NA NA NA NA NA NA NA NA

Arizona 304 100.0 122 40.3 74 24.3 4 1.4 97 32.1 6 2.0 196 64.5

Arkansas 141 100.0 57 40.2 29 20.8 25 17.5 18 12.7 12 8.8 86 61.0

California 1,030 100.0 557 54.1 125 12.1 76 7.3 213 20.7 60 5.8 682 66.2

Colorado 107 100.0 56 52.9 16 15.4 10 9.2 22 20.7 2 1.8 73 68.3

Connecticut 73 100.0 17 23.9 13 17.4 10 13.3 30 41.5 3 3.9 30 41.3

Delaware 23 100.0 11 45.6 4 19.4 2 8.4 4 18.8 2 7.8 15 65.0

District of Columbia 31 100.0 15 48.2 5 15.3 2 6.4 8 24.5 2 5.6 19 63.5

Florida 570 100.0 261 45.7 102 17.8 44 7.7 122 21.4 42 7.4 362 63.5

Georgia 442 100.0 184 41.7 101 22.9 41 9.2 91 20.7 25 5.6 285 64.6

Hawaii 17 100.0 NA NA NA NA NA NA NA NA NA NA NA NA

Idaho 33 100.0 NA NA NA NA NA NA NA NA NA NA NA NA

Illinois 374 100.0 161 43.1 83 22.2 50 13.4 56 15.1 24 6.3 244 65.3

Indiana 201 100.0 105 52.4 22 11.1 17 8.4 46 23.0 10 5.2 127 63.5

Iowa 54 100.0 25 45.2 11 19.8 8 14.7 10 17.6 1 2.7 35 65.0

Kansas 81 100.0 57 70.8 12 14.4 1 1.4 8 9.9 3 3.5 69 85.2

Kentucky 179 100.0 82 45.6 40 22.1 19 10.5 31 17.3 8 4.5 121 67.7

Louisiana 209 100.0 69 33.2 51 24.6 21 10.0 46 22.2 21 10.1 120 57.7

Maine 20 100.0 8 39.1 7 32.3 2 8.3 3 13.6 1 6.7 15 71.4

Maryland 123 100.0 59 48.5 23 18.9 15 12.0 18 14.7 7 5.9 83 67.4

Massachusetts 128 100.0 53 40.9 26 20.2 14 11.1 31 23.9 5 3.8 79 61.2

Michigan 307 100.0 125 40.8 76 24.7 29 9.5 64 20.7 13 4.3 201 65.5

Minnesota 90 100.0 31 34.6 14 15.9 9 10.0 29 32.8 6 6.6 45 50.5

Mississippi 173 100.0 71 41.1 36 20.7 27 15.6 35 20.0 4 2.6 107 61.8

Missouri 237 100.0 102 43.2 63 26.4 21 8.9 47 20.0 3 1.5 165 69.6

Montana 21 100.0 NA NA NA NA NA NA NA NA NA NA NA NA

Nebraska 27 100.0 NA NA NA NA NA NA NA NA NA NA NA NA

Nevada 77 100.0 42 54.6 10 12.7 6 7.9 10 13.4 9 11.5 52 67.3

New Hampshire 10 100.0 NA NA NA NA NA NA NA NA NA NA NA NA

New Jersey 212 100.0 117 55.3 35 16.6 13 6.2 43 20.2 4 1.7 152 71.9

New Mexico 94 100.0 43 45.4 6 5.9 5 5.3 41 43.4 - - 48 51.3

New York 740 100.0 311 42.0 154 20.8 65 8.7 177 23.9 34 4.6 465 62.8

North Carolina 359 100.0 149 41.4 64 17.8 39 10.7 93 26.0 15 4.1 213 59.2

North Dakota 15 100.0 NA NA NA NA NA NA NA NA NA NA NA NA

Ohio 414 100.0 151 36.5 68 16.5 49 11.9 98 23.6 48 11.6 219 52.9

Oklahoma 164 100.0 81 49.6 45 27.4 12 7.5 24 14.4 2 1.1 126 77.0

Oregon 65 100.0 NA NA NA NA NA NA NA NA NA NA NA NA

Pennsylvania 315 100.0 102 32.2 82 26.1 29 9.2 82 26.0 21 6.5 184 58.3

Rhode Island 30 100.0 11 37.1 4 12.0 6 19.5 8 26.4 1 5.0 15 49.1

South Carolina 166 100.0 55 32.9 55 33.3 23 14.0 21 12.8 12 7.1 110 66.2

South Dakota 15 100.0 10 65.9 2 14.5 1 6.6 1 8.5 1 4.5 12 80.4

Tennessee 283 100.0 169 59.8 73 25.7 22 7.8 19 6.7 - - 242 85.5

Texas 1,167 100.0 615 52.7 198 16.9 101 8.7 205 17.5 48 4.1 813 69.6

Utah 26 100.0 NA NA NA NA NA NA NA NA NA NA NA NA

Vermont 9 100.0 NA NA NA NA NA NA NA NA NA NA NA NA

Virginia 199 100.0 63 31.7 36 18.0 14 7.1 69 34.7 17 8.4 99 49.7

Washington 123 100.0 52 42.1 31 25.0 11 8.8 20 16.2 10 8.0 83 67.0

West Virginia 72 100.0 24 33.0 25 33.9 12 16.0 11 15.2 1 1.9 48 66.9

Wisconsin 105 100.0 50 47.8 23 21.5 14 13.2 16 15.1 3 2.4 73 69.3

Wyoming 14 100.0 8 57.7 3 21.2 1 6.1 1 10.2 1 4.8 11 78.9

Notes:

Figures do not always reconcile to totals because of rounding.

NA = Not available because the sample size was too small to make an accurate estimate.

- = For this table cell, there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use rent-to-own agreements or refund anticipation loans in the last 30 days.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table B-7 Timing of Underbanked Households’ Use of AFS by State

Geography

All Underbanked 

Households

AFS Usea

In the Last 

30 Daysb

In the Last 

2-12 Months

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

All Underbanked Households 24,199 100.0 9,981 41.2 14,219 58.8

Alabama 544 100.0 141 25.9 404 74.1

Alaska 56 100.0 19 34.3 37 65.7

Arizona 537 100.0 204 37.9 334 62.1

Arkansas 321 100.0 131 40.7 191 59.3

California 2,374 100.0 1,160 48.9 1,214 51.1

Colorado 317 100.0 109 34.3 208 65.7

Connecticut 208 100.0 77 36.8 131 63.2

Delaware 54 100.0 21 38.9 33 61.1

District of Columbia 63 100.0 29 46.9 33 53.1

Florida 1,645 100.0 625 38.0 1,020 62.0

Georgia 1,026 100.0 471 45.9 556 54.1

Hawaii 89 100.0 30 33.6 59 66.4

Idaho 112 100.0 46 40.9 66 59.1

Illinois 879 100.0 347 39.5 532 60.5

Indiana 489 100.0 173 35.3 316 64.7

Iowa 215 100.0 93 43.2 122 56.8

Kansas 223 100.0 101 45.1 123 54.9

Kentucky 391 100.0 156 40.0 234 60.0

Louisiana 495 100.0 237 47.8 258 52.2

Maine 104 100.0 37 35.3 67 64.7

Maryland 461 100.0 185 40.2 275 59.8

Massachusetts 369 100.0 148 40.1 221 59.9

Michigan 685 100.0 260 38.0 425 62.0

Minnesota 272 100.0 87 32.0 185 68.0

Mississippi 269 100.0 102 38.0 167 62.0

Missouri 514 100.0 197 38.4 317 61.6

Montana 93 100.0 35 37.5 58 62.5

Nebraska 130 100.0 56 43.0 74 57.0

Nevada 323 100.0 143 44.2 180 55.8

New Hampshire 66 100.0 18 26.9 48 73.1

New Jersey 621 100.0 224 36.1 396 63.9

New Mexico 193 100.0 92 47.9 100 52.1

New York 1,487 100.0 573 38.5 914 61.5

North Carolina 840 100.0 307 36.6 533 63.4

North Dakota 51 100.0 20 39.2 31 60.8

Ohio 912 100.0 370 40.6 542 59.4

Oklahoma 349 100.0 133 38.1 216 61.9

Oregon 219 100.0 99 45.1 120 54.9

Pennsylvania 931 100.0 399 42.9 532 57.1

Rhode Island 75 100.0 32 42.7 43 57.3

South Carolina 369 100.0 179 48.5 190 51.5

South Dakota 72 100.0 30 41.4 42 58.6

Tennessee 473 100.0 145 30.7 327 69.3

Texas 2,481 100.0 1,219 49.1 1,262 50.9

Utah 195 100.0 71 36.4 124 63.6

Vermont 47 100.0 15 31.7 32 68.3

Virginia 503 100.0 244 48.5 259 51.5

Washington 533 100.0 190 35.7 342 64.3

West Virginia 146 100.0 41 27.9 105 72.1

Wisconsin 329 100.0 136 41.4 193 58.6

Wyoming 50 100.0 24 48.6 26 51.4

Notes:

Figures do not always reconcile to totals because of rounding.

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know 

whether AFS was used in the last 30 days, are categorized as having used AFS in the last 2-12 months. Households that had ever used 

AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 months. The 

unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use rent-to-own agreements or refund anticipation loans in the last 30 days.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table B-8 Timing of Fully Banked Households’ Use of AFS by State

Geography

All Fully Banked

Households

AFS Use

Not in the Last

12 Months Never Used

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

All Fully Banked Households 82,830 100.0 19,531 23.6 63,299 76.4

Alabama 1,099 100.0 407 37.0 692 63.0

Alaska 196 100.0 48 24.5 148 75.5

Arizona 1,734 100.0 440 25.4 1,294 74.6

Arkansas 658 100.0 227 34.6 430 65.4

California 9,355 100.0 1,846 19.7 7,509 80.3

Colorado 1,510 100.0 436 28.9 1,074 71.1

Connecticut 1,056 100.0 170 16.1 886 83.9

Delaware 262 100.0 48 18.1 215 81.9

District of Columbia 180 100.0 39 21.9 140 78.1

Florida 5,309 100.0 1,216 22.9 4,093 77.1

Georgia 2,248 100.0 645 28.7 1,602 71.3

Hawaii 313 100.0 67 21.3 246 78.7

Idaho 432 100.0 114 26.3 318 73.7

Illinois 3,546 100.0 775 21.8 2,772 78.2

Indiana 1,817 100.0 407 22.4 1,411 77.6

Iowa 932 100.0 173 18.5 760 81.5

Kansas 814 100.0 199 24.5 614 75.5

Kentucky 1,225 100.0 312 25.5 913 74.5

Louisiana 1,066 100.0 295 27.7 771 72.3

Maine 413 100.0 115 27.9 297 72.1

Maryland 1,528 100.0 316 20.7 1,211 79.3

Massachusetts 2,029 100.0 351 17.3 1,678 82.7

Michigan 2,824 100.0 678 24.0 2,146 76.0

Minnesota 1,763 100.0 295 16.7 1,469 83.3

Mississippi 696 100.0 191 27.4 505 72.6

Missouri 1,681 100.0 477 28.4 1,204 71.6

Montana 303 100.0 85 28.0 218 72.0

Nebraska 559 100.0 119 21.4 440 78.6

Nevada 600 100.0 143 23.8 457 76.2

New Hampshire 439 100.0 88 20.0 351 80.0

New Jersey 2,297 100.0 648 28.2 1,649 71.8

New Mexico 494 100.0 132 26.7 362 73.3

New York 5,159 100.0 1,122 21.8 4,037 78.2

North Carolina 2,579 100.0 538 20.9 2,041 79.1

North Dakota 210 100.0 41 19.5 169 80.5

Ohio 3,172 100.0 857 27.0 2,315 73.0

Oklahoma 935 100.0 253 27.0 683 73.0

Oregon 1,195 100.0 328 27.4 867 72.6

Pennsylvania 3,771 100.0 951 25.2 2,820 74.8

Rhode Island 304 100.0 62 20.4 242 79.6

South Carolina 1,219 100.0 353 29.0 865 71.0

South Dakota 236 100.0 60 25.4 176 74.6

Tennessee 1,818 100.0 378 20.8 1,440 79.2

Texas 5,309 100.0 1,356 25.5 3,952 74.5

Utah 694 100.0 143 20.6 551 79.4

Vermont 207 100.0 49 23.6 158 76.4

Virginia 2,138 100.0 424 19.8 1,714 80.2

Washington 2,012 100.0 557 27.7 1,455 72.3

West Virginia 505 100.0 169 33.4 336 66.6

Wisconsin 1,823 100.0 343 18.8 1,480 81.2

Wyoming 167 100.0 45 27.0 122 73.0

Notes:

Figures do not always reconcile to totals because of rounding.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table B-9 Timing of Households’ Use of Non-Bank Money Orders by State

Geography

All U.S. Households

Timing of Non-Bank Money Order Usea Memo Items

In Last 30 Days In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Non-Bank Money 

Order Use in the 

Last Year

Ever Used NonBank Money Order

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

All U.S. Households 120,408 100.0 9,952 8.3 12,127 10.1 17,592 14.6 77,817 64.6 2,920 2.4 22,079 18.3 39,671 32.9

Alabama 1,889 100.0 186 9.9 324 17.2 344 18.2 1,003 53.1 31 1.6 511 27.0 855 45.3

Alaska 276 100.0 16 5.7 27 9.8 42 15.4 182 65.8 9 3.3 43 15.6 85 30.9

Arizona 2,622 100.0 244 9.3 292 11.1 407 15.5 1,638 62.5 41 1.6 536 20.4 943 36.0

Arkansas 1,142 100.0 144 12.6 154 13.5 182 15.9 637 55.8 25 2.2 299 26.1 480 42.1

California 13,191 100.0 1,087 8.2 913 6.9 1,600 12.1 9,252 70.1 339 2.6 2,000 15.2 3,600 27.3

Colorado 1,974 100.0 96 4.9 160 8.1 367 18.6 1,317 66.7 33 1.7 256 13.0 623 31.6

Connecticut 1,365 100.0 54 4.0 97 7.1 155 11.4 1,040 76.2 19 1.4 151 11.1 306 22.4

Delaware 346 100.0 23 6.6 33 9.7 46 13.2 236 68.4 7 2.1 56 16.3 102 29.5

District of Columbia 281 100.0 37 13.0 30 10.7 38 13.4 167 59.6 9 3.3 67 23.8 104 37.2

Florida 7,801 100.0 579 7.4 849 10.9 1,079 13.8 5,047 64.7 247 3.2 1,428 18.3 2,507 32.1

Georgia 3,834 100.0 519 13.5 487 12.7 665 17.3 2,066 53.9 96 2.5 1,007 26.3 1,672 43.6

Hawaii 443 100.0 15 3.5 43 9.8 76 17.3 291 65.7 17 3.8 59 13.3 135 30.5

Idaho 589 100.0 29 4.9 53 8.9 112 19.1 390 66.1 6 1.0 81 13.8 194 32.9

Illinois 4,956 100.0 316 6.4 457 9.2 650 13.1 3,387 68.3 147 3.0 772 15.6 1,422 28.7

Indiana 2,560 100.0 198 7.7 240 9.4 365 14.3 1,694 66.2 62 2.4 438 17.1 804 31.4

Iowa 1,244 100.0 77 6.2 79 6.4 149 12.0 909 73.1 30 2.4 156 12.5 305 24.5

Kansas 1,136 100.0 104 9.2 98 8.7 163 14.3 759 66.8 11 1.0 203 17.8 366 32.2

Kentucky 1,819 100.0 177 9.7 201 11.0 297 16.3 1,127 61.9 18 1.0 378 20.8 675 37.1

Louisiana 1,816 100.0 254 14.0 246 13.5 271 14.9 999 55.0 46 2.5 500 27.5 771 42.5

Maine 546 100.0 25 4.6 45 8.2 93 17.1 376 68.9 7 1.3 70 12.8 163 29.9

Maryland 2,170 100.0 166 7.6 270 12.4 293 13.5 1,399 64.5 42 2.0 436 20.1 729 33.6

Massachusetts 2,614 100.0 146 5.6 165 6.3 285 10.9 1,950 74.6 68 2.6 312 11.9 596 22.8

Michigan 3,969 100.0 281 7.1 365 9.2 580 14.6 2,625 66.1 117 3.0 646 16.3 1,226 30.9

Minnesota 2,163 100.0 76 3.5 113 5.2 253 11.7 1,692 78.2 29 1.4 189 8.7 442 20.4

Mississippi 1,143 100.0 129 11.3 162 14.2 191 16.7 651 56.9 10 0.9 292 25.5 482 42.2

Missouri 2,490 100.0 201 8.1 314 12.6 410 16.5 1,516 60.9 48 1.9 516 20.7 926 37.2

Montana 426 100.0 28 6.6 39 9.1 74 17.4 280 65.8 5 1.1 67 15.7 141 33.1

Nebraska 734 100.0 39 5.3 60 8.1 87 11.8 536 73.1 12 1.6 99 13.4 186 25.3

Nevada 1,035 100.0 127 12.3 131 12.7 143 13.8 604 58.3 30 2.9 259 25.0 402 38.8

New Hampshire 526 100.0 12 2.3 33 6.3 78 14.9 394 74.9 8 1.5 46 8.7 124 23.6

New Jersey 3,202 100.0 232 7.3 346 10.8 618 19.3 1,962 61.3 44 1.4 578 18.1 1,196 37.4

New Mexico 816 100.0 86 10.5 90 11.1 133 16.3 485 59.5 21 2.6 176 21.6 309 37.9

New York 7,677 100.0 605 7.9 906 11.8 1,074 14.0 4,838 63.0 254 3.3 1,511 19.7 2,586 33.7

North Carolina 3,878 100.0 324 8.4 469 12.1 492 12.7 2,510 64.7 83 2.1 793 20.4 1,286 33.1

North Dakota 283 100.0 16 5.8 21 7.3 33 11.5 209 73.9 4 1.5 37 13.1 70 24.6

Ohio 4,719 100.0 365 7.7 452 9.6 819 17.3 2,880 61.0 203 4.3 817 17.3 1,635 34.7

Oklahoma 1,503 100.0 145 9.7 218 14.5 215 14.3 884 58.8 40 2.7 363 24.2 579 38.5

Oregon 1,522 100.0 105 6.9 95 6.2 263 17.3 1,030 67.6 29 1.9 200 13.2 463 30.4

Pennsylvania 5,161 100.0 408 7.9 479 9.3 842 16.3 3,306 64.1 126 2.5 886 17.2 1,728 33.5

Rhode Island 423 100.0 30 7.0 33 7.9 61 14.5 286 67.6 13 3.0 63 14.9 125 29.5

South Carolina 1,787 100.0 179 10.0 193 10.8 341 19.1 1,049 58.7 26 1.4 371 20.8 712 39.9

South Dakota 329 100.0 23 7.0 27 8.3 49 15.0 227 68.8 3 1.0 50 15.3 100 30.3

Tennessee 2,605 100.0 167 6.4 334 12.8 358 13.7 1,729 66.4 17 0.7 501 19.2 859 33.0

Texas 9,136 100.0 1,276 14.0 1,133 12.4 1,301 14.2 5,229 57.2 197 2.2 2,409 26.4 3,710 40.6

Utah 926 100.0 53 5.8 80 8.6 125 13.5 664 71.7 4 0.4 133 14.4 258 27.9

Vermont 269 100.0 11 4.0 23 8.6 45 16.8 187 69.3 4 1.3 34 12.6 79 29.4

Virginia 3,008 100.0 230 7.6 205 6.8 360 12.0 2,067 68.7 146 4.8 435 14.5 795 26.4

Washington 2,748 100.0 135 4.9 249 9.1 481 17.5 1,821 66.3 63 2.3 384 14.0 865 31.5

West Virginia 762 100.0 49 6.4 90 11.8 172 22.6 420 55.1 32 4.2 139 18.2 311 40.7

Wisconsin 2,316 100.0 103 4.4 179 7.7 273 11.8 1,725 74.5 37 1.6 282 12.2 555 24.0

Wyoming 236 100.0 21 9.0 23 9.8 39 16.4 148 62.5 5 2.3 44 18.8 83 35.2

Notes:

Figures do not always reconcile to totals because of rounding.

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as 

having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 

months. The unknown category includes only households that did not know whether they had ever used AFS.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table B-10 Timing of Unbanked Households’ Use of Non-Bank Money Orders by State

Geography

All Unbanked 

Households

Timing of Non-Bank Money Order Usea Memo Items

In Last 30 Days In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Non-Bank Money 

Order Use in the 

Last Year

Ever Used NonBank Money Order

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

All Unbanked Households 9,875 100.0 3,166 32.1 1,679 17.0 968 9.8 3,516 35.6 546 5.5 4,845 49.1 5,813 58.9

Alabama 193 100.0 73 37.8 27 14.1 11 5.6 78 40.6 4 1.9 100 51.9 111 57.5

Alaska 14 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Arizona 304 100.0 102 33.6 42 13.7 13 4.3 137 45.2 10 3.2 144 47.3 157 51.6

Arkansas 141 100.0 39 27.7 30 21.1 18 12.6 45 32.2 9 6.4 69 48.8 87 61.4

California 1,030 100.0 429 41.7 102 9.9 98 9.5 337 32.8 63 6.1 532 51.6 629 61.1

Colorado 107 100.0 39 36.8 12 11.0 6 5.7 45 42.4 4 4.1 51 47.7 57 53.5

Connecticut 73 100.0 7 9.8 6 8.4 14 19.5 44 60.7 1 1.6 13 18.2 27 37.7

Delaware 23 100.0 6 27.6 6 24.7 2 7.6 7 31.9 2 8.2 12 52.3 14 59.9

District of Columbia 31 100.0 12 40.7 3 11.1 2 6.8 11 35.8 2 5.6 16 51.9 18 58.6

Florida 570 100.0 163 28.5 85 14.9 47 8.3 226 39.6 49 8.7 248 43.4 295 51.8

Georgia 442 100.0 150 33.9 71 16.1 51 11.5 147 33.1 24 5.4 221 50.0 272 61.5

Hawaii 17 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Idaho 33 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Illinois 374 100.0 99 26.5 83 22.1 39 10.4 116 30.9 38 10.1 182 48.5 221 58.9

Indiana 201 100.0 67 33.4 31 15.3 20 10.0 67 33.6 16 7.8 98 48.7 118 58.6

Iowa 54 100.0 17 30.9 5 10.1 8 14.8 21 38.9 3 5.2 22 41.0 30 55.8

Kansas 81 100.0 45 55.7 13 16.4 1 1.7 18 22.8 3 3.5 58 72.1 59 73.7

Kentucky 179 100.0 67 37.5 31 17.4 17 9.5 56 31.0 8 4.5 98 54.9 116 64.5

Louisiana 209 100.0 62 29.8 35 16.8 10 5.0 84 40.1 17 8.3 97 46.6 108 51.6

Maine 20 100.0 5 23.5 4 18.5 1 5.1 9 46.2 1 6.7 9 42.0 10 47.1

Maryland 123 100.0 42 34.5 27 21.6 14 11.2 36 29.0 4 3.6 69 56.2 83 67.4

Massachusetts 128 100.0 39 30.4 15 11.9 7 5.4 62 48.5 5 3.8 54 42.3 61 47.7

Michigan 307 100.0 83 27.1 61 19.8 36 11.8 113 36.8 14 4.4 144 46.9 180 58.7

Minnesota 90 100.0 23 25.7 10 11.5 7 8.1 44 49.5 5 5.2 33 37.2 41 45.3

Mississippi 173 100.0 44 25.7 31 18.1 29 16.8 64 36.8 4 2.6 76 43.8 105 60.6

Missouri 237 100.0 71 29.8 50 20.9 23 9.8 87 36.6 7 2.9 120 50.7 144 60.5

Montana 21 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Nebraska 27 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Nevada 77 100.0 28 36.1 9 12.1 9 12.2 22 28.0 9 11.5 37 48.3 47 60.5

New Hampshire 10 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

New Jersey 212 100.0 85 40.3 28 13.3 15 6.9 80 37.8 4 1.7 114 53.6 128 60.5

New Mexico 94 100.0 14 15.0 15 15.8 10 10.7 55 58.5 - - 29 30.9 39 41.5

New York 740 100.0 207 28.0 158 21.3 57 7.7 284 38.3 34 4.6 365 49.3 422 57.1

North Carolina 359 100.0 101 28.2 62 17.2 40 11.1 145 40.2 12 3.3 163 45.4 203 56.5

North Dakota 15 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Ohio 414 100.0 93 22.6 56 13.5 67 16.2 142 34.3 55 13.4 150 36.1 217 52.3

Oklahoma 164 100.0 57 35.0 52 31.5 15 9.1 38 23.3 2 1.1 109 66.6 124 75.6

Oregon 65 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Pennsylvania 315 100.0 87 27.5 49 15.7 38 12.0 121 38.4 21 6.5 136 43.1 174 55.1

Rhode Island 30 100.0 9 32.0 2 6.1 6 21.3 11 35.5 1 5.0 11 38.2 18 59.5

South Carolina 166 100.0 40 24.4 50 29.9 25 15.2 39 23.4 12 7.1 90 54.3 115 69.6

South Dakota 15 100.0 7 45.9 3 21.6 1 6.9 3 21.1 1 4.5 10 67.5 11 74.5

Tennessee 283 100.0 96 34.1 86 30.5 33 11.7 67 23.8 - - 182 64.5 215 76.2

Texas 1,167 100.0 440 37.7 181 15.5 94 8.0 395 33.8 57 4.9 621 53.2 715 61.3

Utah 26 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Vermont 9 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Virginia 199 100.0 55 27.8 29 14.5 14 7.1 82 41.2 19 9.3 84 42.3 98 49.4

Washington 123 100.0 46 37.4 21 16.9 7 5.9 39 31.7 10 8.0 67 54.3 74 60.2

West Virginia 72 100.0 19 26.7 17 23.2 14 19.9 21 28.3 1 1.9 36 49.9 51 69.8

Wisconsin 105 100.0 16 14.9 30 28.9 18 16.9 39 36.9 3 2.4 46 43.8 64 60.7

Wyoming 14 100.0 7 47.5 3 18.7 2 15.8 2 13.2 1 4.8 9 66.2 11 82.0

Notes:

Figures do not always reconcile to totals because of rounding.

NA = Not available because the sample size was too small to make an accurate estimate.

- = For this table cell, there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that the true value is only slightly greater than zero.

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. 
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table B-11 Timing of Underbanked Households’ Use of Non-Bank Money Orders by State

Geography

All Underbanked 

Households

Timing of Non-Bank Money Order Usea Memo Items

In Last 30 Days In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Non-Bank Money 

Order Use in the 

Last Year

Ever Used NonBank Money Order

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

All Underbanked Households 24,199 100.0 6,786 28.0 10,447 43.2 2,000 8.3 4,898 20.2 68 0.3 17,233 71.2 19,233 79.5

Alabama 544 100.0 114 20.9 297 54.6 37 6.7 93 17.1 4 0.7 411 75.5 447 82.2

Alaska 56 100.0 13 22.7 25 44.8 6 10.3 12 22.2 - - 38 67.5 43 77.8

Arizona 537 100.0 142 26.5 250 46.5 38 7.1 107 20.0 - - 392 73.0 430 80.0

Arkansas 321 100.0 105 32.8 125 38.8 25 7.7 67 20.8 - - 230 71.5 255 79.2

California 2,374 100.0 658 27.7 811 34.1 201 8.5 700 29.5 4 0.2 1,468 61.8 1,670 70.3

Colorado 317 100.0 57 18.0 148 46.6 37 11.6 74 23.2 2 0.5 205 64.7 242 76.3

Connecticut 208 100.0 47 22.5 91 43.6 18 8.6 52 25.2 - - 138 66.2 156 74.8

Delaware 54 100.0 16 30.6 28 51.6 4 6.6 6 11.2 - - 44 82.2 48 88.8

District of Columbia 63 100.0 24 38.6 27 42.8 3 5.0 8 13.6 - - 51 81.4 54 86.4

Florida 1,645 100.0 416 25.3 764 46.5 139 8.4 321 19.5 5 0.3 1,181 71.8 1,319 80.2

Georgia 1,026 100.0 369 36.0 416 40.5 81 7.9 159 15.5 - - 786 76.5 867 84.5

Hawaii 89 100.0 13 14.5 41 46.6 24 26.6 11 12.3 - - 54 61.1 78 87.7

Idaho 112 100.0 21 19.2 46 41.4 17 15.1 27 24.4 - - 68 60.6 85 75.6

Illinois 879 100.0 217 24.6 374 42.5 81 9.2 208 23.6 - - 591 67.2 671 76.4

Indiana 489 100.0 131 26.8 209 42.8 30 6.1 118 24.2 - - 341 69.7 371 75.8

Iowa 215 100.0 60 27.9 74 34.4 16 7.6 62 28.9 3 1.3 134 62.3 150 69.9

Kansas 223 100.0 59 26.5 85 38.1 24 10.9 55 24.5 - - 144 64.7 169 75.5

Kentucky 391 100.0 109 28.0 170 43.4 33 8.4 79 20.2 - - 279 71.4 312 79.8

Louisiana 495 100.0 192 38.8 211 42.6 37 7.6 54 11.0 - - 403 81.4 440 89.0

Maine 104 100.0 20 19.3 41 39.6 10 10.1 32 31.0 - - 61 58.9 72 69.0

Maryland 461 100.0 124 26.8 243 52.8 9 1.9 85 18.5 - - 367 79.6 376 81.5

Massachusetts 369 100.0 107 29.1 150 40.7 26 7.0 86 23.2 - - 257 69.8 283 76.8

Michigan 685 100.0 198 28.9 304 44.4 54 7.9 124 18.1 4 0.6 502 73.3 556 81.2

Minnesota 272 100.0 53 19.6 102 37.6 26 9.5 89 32.7 2 0.6 156 57.2 181 66.7

Mississippi 269 100.0 85 31.6 131 48.7 26 9.5 28 10.2 - - 216 80.3 242 89.8

Missouri 514 100.0 131 25.4 265 51.5 41 8.0 74 14.4 3 0.6 395 77.0 437 85.0

Montana 93 100.0 20 21.3 36 38.5 15 16.0 23 24.1 - - 56 59.9 71 75.9

Nebraska 130 100.0 33 25.6 50 38.2 6 4.6 40 30.9 1 0.7 83 63.8 89 68.4

Nevada 323 100.0 99 30.7 122 37.8 24 7.4 76 23.6 1 0.5 221 68.5 245 75.9

New Hampshire 66 100.0 10 15.2 31 47.5 7 10.1 18 27.3 - - 41 62.6 48 72.7

New Jersey 621 100.0 147 23.7 318 51.2 40 6.5 111 17.9 5 0.7 465 74.9 505 81.3

New Mexico 193 100.0 72 37.2 76 39.2 15 7.7 31 15.9 - - 147 76.4 162 84.1

New York 1,487 100.0 398 26.7 749 50.3 107 7.2 226 15.2 7 0.5 1,146 77.1 1,253 84.3

North Carolina 840 100.0 222 26.5 408 48.5 51 6.0 159 19.0 - - 630 75.0 681 81.0

North Dakota 51 100.0 13 24.7 18 35.2 5 10.3 15 29.0 0 0.8 31 59.8 36 70.2

Ohio 912 100.0 272 29.8 396 43.4 77 8.4 165 18.0 3 0.4 667 73.2 744 81.6

Oklahoma 349 100.0 88 25.2 166 47.7 24 6.9 71 20.2 - - 254 72.9 278 79.8

Oregon 219 100.0 75 34.2 83 38.0 14 6.3 47 21.5 - - 158 72.2 172 78.5

Pennsylvania 931 100.0 321 34.5 429 46.1 58 6.3 122 13.1 - - 750 80.6 809 86.9

Rhode Island 75 100.0 20 27.0 32 41.9 5 6.1 18 24.3 1 0.7 52 68.9 57 75.0

South Carolina 369 100.0 138 37.5 143 38.8 32 8.6 56 15.1 - - 281 76.3 313 84.9

South Dakota 72 100.0 16 22.3 24 33.6 8 11.2 24 32.9 - - 41 55.9 49 67.1

Tennessee 473 100.0 71 15.0 248 52.4 60 12.7 90 19.1 4 0.8 319 67.4 379 80.1

Texas 2,481 100.0 837 33.7 952 38.4 234 9.4 446 18.0 12 0.5 1,789 72.1 2,023 81.5

Utah 195 100.0 49 25.4 72 37.0 18 9.1 55 28.4 - - 121 62.4 139 71.6

Vermont 47 100.0 7 15.7 21 45.5 5 11.0 13 27.8 - - 29 61.2 34 72.2

Virginia 503 100.0 175 34.7 176 35.0 37 7.3 116 23.0 - - 351 69.7 387 77.0

Washington 533 100.0 89 16.7 228 42.8 74 13.9 136 25.5 6 1.1 317 59.5 391 73.4

West Virginia 146 100.0 30 20.3 73 49.9 19 13.2 23 15.5 2 1.2 102 70.2 122 83.3

Wisconsin 329 100.0 87 26.4 149 45.2 20 5.9 74 22.5 - - 236 71.6 255 77.5

Wyoming 50 100.0 15 29.7 21 41.3 4 8.4 10 20.7 - - 35 70.9 39 79.3

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell, there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that the true value is only 

slightly greater than zero.

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as 

having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 

months. The unknown category includes only households that did not know whether they had ever used AFS.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table B-12 Timing of Fully Banked Households’ Use of Non-Bank Money Orders by State

Geography

All Fully Banked 

Households

Timing of Non-Bank Money Order Use Memo Item

Not in the Last 12 Months Never Used

Ever Used Non-Bank Money Order

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

All Fully Banked Households 82,830 100.0 14,266 17.2 68,564 82.8 14,266 17.2

Alabama 1,099 100.0 294 26.7 805 73.3 294 26.7

Alaska 196 100.0 34 17.6 162 82.4 34 17.6

Arizona 1,734 100.0 345 19.9 1,389 80.1 345 19.9

Arkansas 658 100.0 135 20.5 523 79.5 135 20.5

California 9,355 100.0 1,256 13.4 8,098 86.6 1,256 13.4

Colorado 1,510 100.0 318 21.0 1,192 79.0 318 21.0

Connecticut 1,056 100.0 122 11.5 934 88.5 122 11.5

Delaware 262 100.0 40 15.2 222 84.8 40 15.2

District of Columbia 180 100.0 32 18.0 147 82.0 32 18.0

Florida 5,309 100.0 876 16.5 4,433 83.5 876 16.5

Georgia 2,248 100.0 503 22.4 1,745 77.6 503 22.4

Hawaii 313 100.0 50 15.9 263 84.1 50 15.9

Idaho 432 100.0 91 21.0 342 79.0 91 21.0

Illinois 3,546 100.0 520 14.7 3,026 85.3 520 14.7

Indiana 1,817 100.0 312 17.2 1,505 82.8 312 17.2

Iowa 932 100.0 122 13.1 810 86.9 122 13.1

Kansas 814 100.0 136 16.7 678 83.3 136 16.7

Kentucky 1,225 100.0 242 19.8 983 80.2 242 19.8

Louisiana 1,066 100.0 223 20.9 843 79.1 223 20.9

Maine 413 100.0 80 19.4 333 80.6 80 19.4

Maryland 1,528 100.0 264 17.3 1,263 82.7 264 17.3

Massachusetts 2,029 100.0 247 12.2 1,782 87.8 247 12.2

Michigan 2,824 100.0 473 16.8 2,351 83.2 473 16.8

Minnesota 1,763 100.0 220 12.5 1,543 87.5 220 12.5

Mississippi 696 100.0 136 19.6 560 80.4 136 19.6

Missouri 1,681 100.0 342 20.3 1,339 79.7 342 20.3

Montana 303 100.0 54 17.7 249 82.3 54 17.7

Nebraska 559 100.0 81 14.5 478 85.5 81 14.5

Nevada 600 100.0 105 17.5 495 82.5 105 17.5

New Hampshire 439 100.0 68 15.6 370 84.4 68 15.6

New Jersey 2,297 100.0 527 22.9 1,770 77.1 527 22.9

New Mexico 494 100.0 103 20.9 391 79.1 103 20.9

New York 5,159 100.0 887 17.2 4,272 82.8 887 17.2

North Carolina 2,579 100.0 397 15.4 2,181 84.6 397 15.4

North Dakota 210 100.0 26 12.5 184 87.5 26 12.5

Ohio 3,172 100.0 658 20.7 2,514 79.3 658 20.7

Oklahoma 935 100.0 168 17.9 767 82.1 168 17.9

Oregon 1,195 100.0 235 19.6 961 80.4 235 19.6

Pennsylvania 3,771 100.0 732 19.4 3,040 80.6 732 19.4

Rhode Island 304 100.0 51 16.6 254 83.4 51 16.6

South Carolina 1,219 100.0 274 22.5 944 77.5 274 22.5

South Dakota 236 100.0 40 16.9 196 83.1 40 16.9

Tennessee 1,818 100.0 265 14.6 1,553 85.4 265 14.6

Texas 5,309 100.0 949 17.9 4,360 82.1 949 17.9

Utah 694 100.0 104 14.9 590 85.1 104 14.9

Vermont 207 100.0 38 18.4 169 81.6 38 18.4

Virginia 2,138 100.0 307 14.4 1,830 85.6 307 14.4

Washington 2,012 100.0 387 19.3 1,625 80.7 387 19.3

West Virginia 505 100.0 131 25.9 374 74.1 131 25.9

Wisconsin 1,823 100.0 233 12.8 1,590 87.2 233 12.8

Wyoming 167 100.0 32 19.3 134 80.7 32 19.3

Notes:

Figures do not always reconcile to totals because of rounding.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table B-13 Timing of Households’ Use of Non-Bank Check Cashing by State

Geography

All U.S. Households

Timing of Non-Bank Check Cashing Usea Memo Items

In Last 30 Days

In Last 2-12 

Months

Not in the Last 12 

Months Never Used Unknown

Non-Bank Check 

Cashing Use in the 

Last Year

Ever Used NonBank Check 

Cashing

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

All U.S. Households 120,408 100.0 4,626 3.8 4,646 3.9 6,745 5.6 101,889 84.6 2,501 2.1 9,273 7.7 16,018 13.3

Alabama 1,889 100.0 51 2.7 108 5.7 207 10.9 1,494 79.1 29 1.5 159 8.4 366 19.4

Alaska 276 100.0 4 1.3 19 6.7 16 5.7 229 83.0 9 3.3 22 8.0 38 13.7

Arizona 2,622 100.0 102 3.9 131 5.0 115 4.4 2,234 85.2 39 1.5 233 8.9 348 13.3

Arkansas 1,142 100.0 54 4.7 70 6.1 124 10.9 872 76.4 22 1.9 124 10.8 248 21.7

California 13,191 100.0 631 4.8 362 2.7 489 3.7 11,392 86.4 317 2.4 993 7.5 1,482 11.2

Colorado 1,974 100.0 44 2.2 61 3.1 104 5.3 1,729 87.6 36 1.8 105 5.3 209 10.6

Connecticut 1,365 100.0 19 1.4 24 1.7 43 3.1 1,262 92.5 18 1.3 43 3.1 85 6.3

Delaware 346 100.0 9 2.7 9 2.7 16 4.6 304 87.9 7 2.1 19 5.5 35 10.0

District of Columbia 281 100.0 6 2.0 8 2.9 13 4.5 248 88.1 7 2.5 14 4.8 26 9.3

Florida 7,801 100.0 322 4.1 281 3.6 391 5.0 6,605 84.7 202 2.6 603 7.7 994 12.7

Georgia 3,834 100.0 152 4.0 166 4.3 229 6.0 3,194 83.3 92 2.4 318 8.3 547 14.3

Hawaii 443 100.0 8 1.7 32 7.2 13 2.9 372 83.9 19 4.3 39 8.9 52 11.8

Idaho 589 100.0 24 4.1 21 3.5 36 6.1 504 85.5 5 0.8 45 7.6 81 13.7

Illinois 4,956 100.0 208 4.2 159 3.2 281 5.7 4,185 84.4 124 2.5 367 7.4 648 13.1

Indiana 2,560 100.0 112 4.4 87 3.4 141 5.5 2,175 85.0 45 1.8 199 7.8 340 13.3

Iowa 1,244 100.0 35 2.8 46 3.7 61 4.9 1,078 86.7 24 1.9 82 6.6 142 11.4

Kansas 1,136 100.0 60 5.3 46 4.0 80 7.1 937 82.4 13 1.2 106 9.3 186 16.4

Kentucky 1,819 100.0 71 3.9 68 3.7 106 5.8 1,552 85.3 22 1.2 139 7.6 245 13.5

Louisiana 1,816 100.0 54 3.0 86 4.7 114 6.3 1,505 82.9 56 3.1 140 7.7 255 14.0

Maine 546 100.0 15 2.7 24 4.4 29 5.4 471 86.2 7 1.4 39 7.1 68 12.5

Maryland 2,170 100.0 69 3.2 68 3.2 85 3.9 1,918 88.4 30 1.4 137 6.3 222 10.2

Massachusetts 2,614 100.0 52 2.0 63 2.4 102 3.9 2,341 89.5 57 2.2 115 4.4 217 8.3

Michigan 3,969 100.0 131 3.3 184 4.6 239 6.0 3,333 84.0 81 2.0 315 7.9 554 14.0

Minnesota 2,163 100.0 33 1.5 72 3.3 60 2.8 1,980 91.5 19 0.9 105 4.8 164 7.6

Mississippi 1,143 100.0 71 6.2 62 5.5 87 7.6 909 79.6 13 1.1 133 11.7 221 19.3

Missouri 2,490 100.0 100 4.0 96 3.8 174 7.0 2,097 84.2 24 1.0 196 7.9 369 14.8

Montana 426 100.0 19 4.5 22 5.1 27 6.3 353 82.9 5 1.1 41 9.6 68 15.9

Nebraska 734 100.0 19 2.5 31 4.2 48 6.5 624 85.1 12 1.7 49 6.7 97 13.3

Nevada 1,035 100.0 55 5.3 59 5.7 70 6.8 826 79.8 24 2.4 114 11.0 184 17.8

New Hampshire 526 100.0 10 1.8 11 2.1 19 3.6 478 91.0 7 1.4 21 4.0 40 7.6

New Jersey 3,202 100.0 154 4.8 71 2.2 225 7.0 2,717 84.8 35 1.1 225 7.0 450 14.1

New Mexico 816 100.0 45 5.5 30 3.7 38 4.6 684 83.8 20 2.4 75 9.2 112 13.8

New York 7,677 100.0 274 3.6 286 3.7 460 6.0 6,461 84.2 197 2.6 560 7.3 1,020 13.3

North Carolina 3,878 100.0 124 3.2 259 6.7 161 4.1 3,259 84.0 76 2.0 383 9.9 544 14.0

North Dakota 283 100.0 7 2.4 15 5.3 22 7.9 236 83.3 3 1.1 22 7.7 44 15.6

Ohio 4,719 100.0 146 3.1 174 3.7 273 5.8 3,969 84.1 156 3.3 320 6.8 593 12.6

Oklahoma 1,503 100.0 68 4.5 50 3.3 90 6.0 1,264 84.1 30 2.0 119 7.9 208 13.9

Oregon 1,522 100.0 33 2.1 30 2.0 90 5.9 1,351 88.8 18 1.2 63 4.1 153 10.0

Pennsylvania 5,161 100.0 122 2.4 185 3.6 336 6.5 4,411 85.5 108 2.1 307 5.9 643 12.5

Rhode Island 423 100.0 10 2.3 10 2.4 16 3.8 380 89.8 7 1.7 20 4.7 36 8.5

South Carolina 1,787 100.0 90 5.0 93 5.2 152 8.5 1,435 80.3 18 1.0 182 10.2 334 18.7

South Dakota 329 100.0 15 4.7 19 5.9 24 7.4 267 81.2 3 0.9 35 10.6 59 18.0

Tennessee 2,605 100.0 134 5.1 136 5.2 167 6.4 2,144 82.3 23 0.9 270 10.4 437 16.8

Texas 9,136 100.0 618 6.8 463 5.1 607 6.6 7,285 79.7 163 1.8 1,081 11.8 1,689 18.5

Utah 926 100.0 15 1.6 34 3.7 45 4.9 828 89.4 4 0.4 49 5.3 94 10.2

Vermont 269 100.0 8 2.9 11 3.9 13 4.9 234 86.8 4 1.4 18 6.9 32 11.8

Virginia 3,008 100.0 64 2.1 103 3.4 118 3.9 2,577 85.7 145 4.8 167 5.6 285 9.5

Washington 2,748 100.0 61 2.2 102 3.7 176 6.4 2,349 85.5 61 2.2 163 5.9 339 12.3

West Virginia 762 100.0 17 2.2 38 5.0 54 7.1 624 81.8 29 3.8 55 7.2 110 14.4

Wisconsin 2,316 100.0 71 3.1 51 2.2 136 5.9 2,025 87.4 33 1.4 122 5.3 259 11.2

Wyoming 236 100.0 11 4.5 10 4.4 23 9.6 188 79.5 5 2.0 21 9.0 44 18.5

Notes:

Figures do not always reconcile to totals because of rounding.

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as 

having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 

months. The unknown category includes only households that did not know whether they had ever used AFS.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table B-14 Timing of Unbanked Households’ Use of Non-Bank Check Cashing by State

Geography

All Unbanked 

Households

Timing of Non-Bank Check Cashing Usea Memo Items

In Last 30 Days

In Last 2-12 

Months

Not in the Last 12 

Months Never Used Unknown

Non-Bank Check 

Cashing Use in the Last YearEver Used NonBank Check Cashing

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

All Unbanked Households 9,875 100.0 2,467 25.0 1,290 13.1 913 9.2 4,754 48.1 451 4.6 3,757 38.0 4,670 47.3

Alabama 193 100.0 42 21.7 34 17.6 24 12.6 89 46.2 4 1.9 76 39.3 100 51.9

Alaska 14 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Arizona 304 100.0 72 23.7 58 19.0 9 2.9 155 51.0 10 3.4 130 42.7 138 45.6

Arkansas 141 100.0 30 21.3 11 7.8 12 8.2 79 56.3 9 6.4 41 29.1 53 37.3

California 1,030 100.0 349 33.9 121 11.7 63 6.1 441 42.8 57 5.5 470 45.6 533 51.7

Colorado 107 100.0 24 22.1 18 16.7 7 6.2 57 53.2 2 1.8 41 38.7 48 45.0

Connecticut 73 100.0 10 13.9 10 13.4 3 4.2 50 68.5 - - 20 27.3 23 31.5

Delaware 23 100.0 5 23.0 4 15.5 4 16.3 9 39.4 1 5.8 9 38.5 13 54.8

District of Columbia 31 100.0 3 8.4 4 12.8 3 8.4 20 64.8 2 5.6 6 21.2 9 29.6

Florida 570 100.0 179 31.4 70 12.2 44 7.7 256 44.8 22 3.9 249 43.6 293 51.3

Georgia 442 100.0 95 21.4 51 11.4 41 9.3 231 52.2 25 5.7 145 32.8 186 42.1

Hawaii 17 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Idaho 33 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Illinois 374 100.0 99 26.5 61 16.4 26 6.8 165 44.0 24 6.3 160 42.8 186 49.7

Indiana 201 100.0 69 34.6 20 10.0 17 8.5 87 43.5 7 3.5 89 44.5 106 53.0

Iowa 54 100.0 12 22.6 6 11.7 4 7.9 28 52.4 3 5.4 19 34.3 23 42.2

Kansas 81 100.0 27 33.4 14 17.5 12 14.4 25 31.2 3 3.5 41 50.9 53 65.3

Kentucky 179 100.0 32 17.9 24 13.4 12 6.5 103 57.7 8 4.5 56 31.3 68 37.8

Louisiana 209 100.0 31 14.8 16 7.8 38 18.2 109 52.3 14 6.9 47 22.6 85 40.8

Maine 20 100.0 4 18.0 4 20.7 1 6.6 10 48.1 1 6.7 8 38.7 9 45.2

Maryland 123 100.0 32 26.2 17 13.8 12 9.8 57 46.5 4 3.6 49 40.0 61 49.8

Massachusetts 128 100.0 23 17.9 16 12.6 24 18.9 65 50.6 - - 39 30.5 63 49.4

Michigan 307 100.0 61 19.8 55 17.9 18 5.7 165 53.6 9 3.0 116 37.7 133 43.4

Minnesota 90 100.0 17 19.2 9 10.4 10 11.1 49 54.7 4 4.6 27 29.6 36 40.7

Mississippi 173 100.0 52 29.9 17 9.9 13 7.3 84 48.5 8 4.4 69 39.9 81 47.2

Missouri 237 100.0 56 23.4 29 12.1 21 8.7 122 51.4 10 4.3 84 35.5 105 44.2

Montana 21 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Nebraska 27 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Nevada 77 100.0 27 35.1 17 21.9 6 8.4 18 23.1 9 11.5 44 57.0 50 65.4

New Hampshire 10 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

New Jersey 212 100.0 96 45.3 16 7.6 19 9.2 72 33.8 9 4.1 112 52.9 131 62.1

New Mexico 94 100.0 26 27.5 5 4.9 2 1.8 62 65.9 - - 30 32.3 32 34.1

New York 740 100.0 158 21.4 105 14.2 90 12.1 357 48.2 31 4.1 263 35.6 353 47.7

North Carolina 359 100.0 75 20.9 74 20.5 20 5.4 180 50.1 11 3.1 149 41.4 168 46.9

North Dakota 15 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Ohio 414 100.0 82 19.8 51 12.4 39 9.4 205 49.5 37 8.9 133 32.2 172 41.6

Oklahoma 164 100.0 33 20.2 21 12.7 10 5.8 99 60.2 2 1.1 54 32.9 63 38.7

Oregon 65 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Pennsylvania 315 100.0 38 11.9 46 14.6 51 16.2 164 52.0 17 5.3 83 26.5 135 42.7

Rhode Island 30 100.0 5 15.8 2 7.9 5 18.3 16 54.7 1 3.3 7 23.7 12 42.0

South Carolina 166 100.0 32 19.5 45 27.0 18 10.9 59 35.6 12 7.1 77 46.5 95 57.3

South Dakota 15 100.0 4 30.0 2 16.3 - - 7 49.2 1 4.5 7 46.3 7 46.3

Tennessee 283 100.0 100 35.4 42 15.0 43 15.0 98 34.6 - - 142 50.4 185 65.4

Texas 1,167 100.0 302 25.9 131 11.2 125 10.7 561 48.1 48 4.1 433 37.1 557 47.8

Utah 26 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Vermont 9 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Virginia 199 100.0 31 15.6 9 4.7 10 5.3 125 63.0 23 11.5 40 20.3 51 25.5

Washington 123 100.0 26 21.0 24 19.4 20 16.6 43 35.1 10 8.0 50 40.4 70 56.9

West Virginia 72 100.0 5 6.3 4 4.8 11 15.2 50 69.3 3 4.3 8 11.1 19 26.3

Wisconsin 105 100.0 40 38.1 - - 6 5.7 57 53.9 3 2.4 40 38.1 46 43.7

Wyoming 14 100.0 5 37.3 3 18.5 2 12.6 4 26.8 1 4.8 8 55.8 9 68.4

Notes:

Figures do not always reconcile to totals because of rounding.

NA = Not available because the sample size was too small to make an accurate estimate.

- = For this table cell, there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that the true value is only 

slightly greater than zero.

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as 

having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 

months. The unknown category includes only households that did not know whether they had ever used AFS.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table B-15 Timing of Underbanked Households’ Use of Non-Bank Check Cashing by State

Geography

All Underbanked 

Households

Timing of Non-Bank Check Cashing Usea Memo Items

In Last 30 Days In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Non-Bank Check 

Cashing Use in the 

Last Year

Ever Used NonBank Check Cashing

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

All Underbanked Households 24,199 100.0 2,160 8.9 3,356 13.9 2,095 8.7 16,493 68.2 95 0.4 5,516 22.8 7,611 31.5

Alabama 544 100.0 9 1.7 74 13.6 65 12.0 392 72.1 4 0.7 83 15.3 148 27.3

Alaska 56 100.0 2 4.3 16 28.9 6 9.9 32 56.9 - - 19 33.2 24 43.1

Arizona 537 100.0 31 5.7 73 13.6 46 8.5 388 72.3 - - 103 19.3 149 27.7

Arkansas 321 100.0 24 7.3 59 18.4 34 10.5 205 63.8 - - 83 25.7 116 36.2

California 2,374 100.0 282 11.9 241 10.2 117 4.9 1,728 72.8 6 0.3 523 22.0 640 27.0

Colorado 317 100.0 20 6.5 44 13.7 30 9.6 219 69.0 4 1.3 64 20.2 94 29.8

Connecticut 208 100.0 9 4.3 14 6.7 9 4.1 177 85.0 - - 23 10.9 31 15.0

Delaware 54 100.0 4 7.6 6 11.0 5 8.8 38 70.3 1 2.2 10 18.6 15 27.4

District of Columbia 63 100.0 3 4.8 4 6.6 5 8.6 50 80.0 - - 7 11.3 13 20.0

Florida 1,645 100.0 143 8.7 211 12.8 156 9.5 1,122 68.2 13 0.8 354 21.5 510 31.0

Georgia 1,026 100.0 58 5.6 115 11.2 86 8.4 767 74.8 - - 173 16.9 259 25.2

Hawaii 89 100.0 6 6.9 28 31.5 3 3.3 51 57.4 1 0.9 34 38.4 37 41.7

Idaho 112 100.0 13 11.6 21 18.6 9 8.2 68 60.5 1 1.0 34 30.2 43 38.4

Illinois 879 100.0 109 12.4 97 11.1 88 10.0 585 66.5 - - 206 23.5 294 33.5

Indiana 489 100.0 42 8.7 67 13.7 51 10.5 328 67.1 - - 109 22.4 161 32.9

Iowa 215 100.0 23 10.8 40 18.6 17 7.9 135 62.8 - - 63 29.3 80 37.2

Kansas 223 100.0 34 15.0 31 14.1 29 12.9 130 58.0 - - 65 29.1 94 42.0

Kentucky 391 100.0 39 9.9 44 11.3 42 10.8 263 67.4 2 0.6 83 21.2 125 32.0

Louisiana 495 100.0 23 4.7 70 14.1 32 6.4 370 74.7 - - 93 18.8 125 25.3

Maine 104 100.0 11 10.7 20 19.0 9 8.6 64 61.6 - - 31 29.7 40 38.4

Maryland 461 100.0 37 7.9 52 11.2 33 7.1 340 73.7 - - 88 19.1 121 26.3

Massachusetts 369 100.0 29 7.7 47 12.7 16 4.4 277 75.2 - - 75 20.4 92 24.8

Michigan 685 100.0 70 10.3 129 18.8 66 9.6 419 61.2 - - 199 29.1 265 38.8

Minnesota 272 100.0 16 5.9 62 22.9 12 4.3 182 66.9 - - 78 28.8 90 33.1

Mississippi 269 100.0 19 7.2 45 16.8 17 6.3 188 69.7 - - 65 24.0 82 30.3

Missouri 514 100.0 45 8.7 67 13.1 65 12.7 333 64.9 4 0.7 112 21.7 177 34.4

Montana 93 100.0 15 15.6 20 21.2 9 9.4 50 53.9 - - 34 36.7 43 46.1

Nebraska 130 100.0 14 11.0 28 21.2 11 8.4 77 58.7 1 0.7 42 32.2 53 40.6

Nevada 323 100.0 28 8.6 42 13.0 26 8.2 225 69.7 1 0.5 70 21.6 96 29.8

New Hampshire 66 100.0 5 8.3 11 17.1 3 5.3 46 69.3 - - 17 25.4 20 30.7

New Jersey 621 100.0 58 9.4 55 8.9 92 14.8 415 66.9 - - 113 18.3 206 33.1

New Mexico 193 100.0 19 9.7 26 13.3 10 5.0 139 71.9 - - 44 23.1 54 28.1

New York 1,487 100.0 116 7.8 181 12.2 132 8.9 1,044 70.2 14 0.9 297 20.0 429 28.9

North Carolina 840 100.0 49 5.8 186 22.1 50 6.0 555 66.1 - - 234 27.9 285 33.9

North Dakota 51 100.0 5 9.7 13 25.0 6 11.3 28 54.1 - - 18 34.6 23 45.9

Ohio 912 100.0 64 7.0 123 13.4 88 9.6 633 69.4 4 0.5 187 20.5 274 30.1

Oklahoma 349 100.0 35 10.1 29 8.4 16 4.5 268 76.9 - - 65 18.5 81 23.1

Oregon 219 100.0 9 4.0 22 9.8 35 16.0 151 69.1 2 1.0 30 13.8 65 29.9

Pennsylvania 931 100.0 84 9.1 139 14.9 77 8.3 631 67.8 - - 223 24.0 300 32.2

Rhode Island 75 100.0 5 6.5 8 10.5 5 6.7 58 76.3 - - 13 17.0 18 23.7

South Carolina 369 100.0 57 15.5 48 13.0 53 14.5 210 57.0 - - 105 28.5 159 43.0

South Dakota 72 100.0 11 15.2 17 23.5 4 6.0 40 54.7 0 0.6 28 38.7 32 44.7

Tennessee 473 100.0 34 7.2 94 19.9 44 9.3 293 62.0 8 1.7 128 27.1 172 36.3

Texas 2,481 100.0 316 12.8 332 13.4 236 9.5 1,585 63.9 10 0.4 649 26.2 885 35.7

Utah 195 100.0 10 5.0 32 16.5 12 6.0 139 71.5 2 1.0 42 21.6 54 27.5

Vermont 47 100.0 7 14.4 9 20.2 2 5.2 28 59.5 0 0.7 16 34.5 19 39.8

Virginia 503 100.0 33 6.5 94 18.6 33 6.6 336 66.7 8 1.5 127 25.2 160 31.8

Washington 533 100.0 35 6.6 78 14.6 55 10.2 358 67.1 8 1.5 113 21.2 167 31.4

West Virginia 146 100.0 12 8.5 35 23.7 10 6.5 90 61.3 - - 47 32.2 57 38.7

Wisconsin 329 100.0 31 9.5 51 15.5 33 9.9 214 65.1 - - 82 25.0 115 34.9

Wyoming 50 100.0 6 11.3 8 16.0 7 13.2 30 59.5 - - 14 27.2 20 40.5

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell, there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that the true value is only slightly greater than zero.

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table B-16 Timing of Fully Banked Households’ Use of Non-Bank Check Cashing by State

Geography

All Fully Banked 

Households

Timing of Non-Bank Check Cashing Use Memo Item

Not in the Last 12 Months Never Used

Ever Used Non-Bank Check 

Cashing

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

All Fully Banked Households 82,830 100.0 3,579 4.3 79,251 95.7 3,579 4.3

Alabama 1,099 100.0 117 10.7 982 89.3 117 10.7

Alaska 196 100.0 9 4.8 187 95.2 9 4.8

Arizona 1,734 100.0 60 3.5 1,674 96.5 60 3.5

Arkansas 658 100.0 79 12.0 578 88.0 79 12.0

California 9,355 100.0 296 3.2 9,058 96.8 296 3.2

Colorado 1,510 100.0 67 4.4 1,443 95.6 67 4.4

Connecticut 1,056 100.0 31 3.0 1,024 97.0 31 3.0

Delaware 262 100.0 7 2.7 255 97.3 7 2.7

District of Columbia 180 100.0 5 2.6 175 97.4 5 2.6

Florida 5,309 100.0 192 3.6 5,117 96.4 192 3.6

Georgia 2,248 100.0 95 4.2 2,153 95.8 95 4.2

Hawaii 313 100.0 9 2.9 304 97.1 9 2.9

Idaho 432 100.0 21 4.8 411 95.2 21 4.8

Illinois 3,546 100.0 156 4.4 3,391 95.6 156 4.4

Indiana 1,817 100.0 70 3.9 1,747 96.1 70 3.9

Iowa 932 100.0 36 3.9 896 96.1 36 3.9

Kansas 814 100.0 40 4.9 774 95.1 40 4.9

Kentucky 1,225 100.0 53 4.3 1,173 95.7 53 4.3

Louisiana 1,066 100.0 44 4.2 1,022 95.8 44 4.2

Maine 413 100.0 18 4.3 395 95.7 18 4.3

Maryland 1,528 100.0 40 2.6 1,487 97.4 40 2.6

Massachusetts 2,029 100.0 62 3.1 1,967 96.9 62 3.1

Michigan 2,824 100.0 146 5.2 2,678 94.8 146 5.2

Minnesota 1,763 100.0 38 2.2 1,726 97.8 38 2.2

Mississippi 696 100.0 58 8.3 638 91.7 58 8.3

Missouri 1,681 100.0 77 4.6 1,603 95.4 77 4.6

Montana 303 100.0 17 5.7 286 94.3 17 5.7

Nebraska 559 100.0 32 5.6 528 94.4 32 5.6

Nevada 600 100.0 35 5.8 565 94.2 35 5.8

New Hampshire 439 100.0 14 3.3 424 96.7 14 3.3

New Jersey 2,297 100.0 105 4.6 2,192 95.4 105 4.6

New Mexico 494 100.0 24 4.9 470 95.1 24 4.9

New York 5,159 100.0 230 4.5 4,929 95.5 230 4.5

North Carolina 2,579 100.0 91 3.5 2,488 96.5 91 3.5

North Dakota 210 100.0 14 6.4 197 93.6 14 6.4

Ohio 3,172 100.0 132 4.2 3,040 95.8 132 4.2

Oklahoma 935 100.0 54 5.8 881 94.2 54 5.8

Oregon 1,195 100.0 43 3.6 1,152 96.4 43 3.6

Pennsylvania 3,771 100.0 204 5.4 3,568 94.6 204 5.4

Rhode Island 304 100.0 5 1.6 299 98.4 5 1.6

South Carolina 1,219 100.0 80 6.6 1,138 93.4 80 6.6

South Dakota 236 100.0 20 8.5 216 91.5 20 8.5

Tennessee 1,818 100.0 80 4.4 1,738 95.6 80 4.4

Texas 5,309 100.0 236 4.4 5,073 95.6 236 4.4

Utah 694 100.0 27 3.9 666 96.1 27 3.9

Vermont 207 100.0 9 4.5 198 95.5 9 4.5

Virginia 2,138 100.0 68 3.2 2,069 96.8 68 3.2

Washington 2,012 100.0 89 4.4 1,923 95.6 89 4.4

West Virginia 505 100.0 32 6.4 473 93.6 32 6.4

Wisconsin 1,823 100.0 95 5.2 1,728 94.8 95 5.2

Wyoming 167 100.0 14 8.6 152 91.4 14 8.6

Notes:

Figures do not always reconcile to totals because of rounding.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table B-17 Timing of Households’ Use of Remittances by State

Geography

All U.S. Households

Timing of Non-Bank Remittance Usea Memo Items

In Last 30 Days In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Non-Bank 

Remittances Used 

in the Last Year

Ever Used NonBank Remittances

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

All U.S. Households 120,408 100.0 1,758 1.5 2,640 2.2 2,678 2.2 110,431 91.7 2,901 2.4 4,397 3.7 7,076 5.9

Alabama 1,889 100.0 8 0.4 29 1.5 44 2.4 1,771 93.8 36 1.9 37 1.9 81 4.3

Alaska 276 100.0 3 1.1 6 2.2 7 2.5 250 90.6 10 3.6 9 3.3 16 5.8

Arizona 2,622 100.0 54 2.1 86 3.3 48 1.8 2,402 91.6 31 1.2 140 5.4 188 7.2

Arkansas 1,142 100.0 10 0.9 14 1.3 23 2.0 1,068 93.6 26 2.3 25 2.1 48 4.2

California 13,191 100.0 346 2.6 489 3.7 437 3.3 11,519 87.3 400 3.0 835 6.3 1,272 9.6

Colorado 1,974 100.0 17 0.9 38 1.9 33 1.7 1,847 93.6 38 1.9 55 2.8 88 4.5

Connecticut 1,365 100.0 23 1.7 22 1.6 21 1.6 1,276 93.5 22 1.6 45 3.3 67 4.9

Delaware 346 100.0 4 1.0 5 1.5 5 1.3 326 94.3 7 1.9 9 2.5 13 3.8

District of Columbia 281 100.0 5 1.9 10 3.6 7 2.6 249 88.7 9 3.2 15 5.5 23 8.1

Florida 7,801 100.0 146 1.9 243 3.1 185 2.4 6,942 89.0 285 3.7 389 5.0 574 7.4

Georgia 3,834 100.0 57 1.5 80 2.1 81 2.1 3,505 91.4 111 2.9 137 3.6 218 5.7

Hawaii 443 100.0 12 2.7 11 2.4 16 3.6 383 86.6 21 4.7 23 5.1 39 8.7

Idaho 589 100.0 3 0.6 8 1.4 9 1.5 560 95.0 9 1.5 12 2.0 21 3.5

Illinois 4,956 100.0 82 1.7 144 2.9 95 1.9 4,500 90.8 137 2.8 225 4.5 320 6.5

Indiana 2,560 100.0 4 0.2 26 1.0 34 1.3 2,442 95.4 54 2.1 30 1.2 64 2.5

Iowa 1,244 100.0 15 1.2 15 1.2 13 1.0 1,176 94.6 25 2.0 30 2.4 43 3.4

Kansas 1,136 100.0 10 0.9 12 1.1 28 2.5 1,068 94.0 18 1.6 22 2.0 51 4.5

Kentucky 1,819 100.0 5 0.3 24 1.3 20 1.1 1,756 96.5 15 0.8 29 1.6 48 2.7

Louisiana 1,816 100.0 23 1.3 16 0.9 47 2.6 1,692 93.2 39 2.1 39 2.1 86 4.7

Maine 546 100.0 5 1.0 3 0.6 10 1.8 521 95.4 7 1.3 9 1.6 18 3.4

Maryland 2,170 100.0 31 1.4 69 3.2 51 2.3 1,972 90.9 47 2.2 100 4.6 151 7.0

Massachusetts 2,614 100.0 38 1.5 23 0.9 56 2.1 2,446 93.6 52 2.0 61 2.3 116 4.5

Michigan 3,969 100.0 5 0.1 57 1.4 63 1.6 3,739 94.2 105 2.7 62 1.6 124 3.1

Minnesota 2,163 100.0 11 0.5 21 1.0 41 1.9 2,063 95.4 27 1.2 32 1.5 73 3.4

Mississippi 1,143 100.0 2 0.2 14 1.2 25 2.2 1,090 95.3 12 1.1 17 1.4 41 3.6

Missouri 2,490 100.0 19 0.8 14 0.5 43 1.7 2,372 95.2 42 1.7 33 1.3 76 3.1

Montana 426 100.0 2 0.4 2 0.4 6 1.3 412 96.7 5 1.1 4 0.8 9 2.2

Nebraska 734 100.0 7 1.0 10 1.4 17 2.3 685 93.4 14 1.9 18 2.4 35 4.7

Nevada 1,035 100.0 25 2.4 40 3.9 25 2.4 914 88.3 31 3.0 65 6.3 90 8.7

New Hampshire 526 100.0 1 0.2 8 1.6 5 0.9 503 95.6 9 1.7 9 1.8 14 2.7

New Jersey 3,202 100.0 52 1.6 154 4.8 148 4.6 2,804 87.6 45 1.4 205 6.4 353 11.0

New Mexico 816 100.0 13 1.6 10 1.3 16 2.0 742 91.0 34 4.1 23 2.9 40 4.9

New York 7,677 100.0 167 2.2 265 3.4 177 2.3 6,799 88.6 270 3.5 432 5.6 608 7.9

North Carolina 3,878 100.0 53 1.4 78 2.0 51 1.3 3,621 93.4 76 2.0 130 3.4 181 4.7

North Dakota 283 100.0 1 0.5 1 0.3 2 0.9 275 97.3 3 1.0 2 0.8 5 1.7

Ohio 4,719 100.0 29 0.6 24 0.5 73 1.5 4,432 93.9 160 3.4 53 1.1 126 2.7

Oklahoma 1,503 100.0 22 1.5 19 1.3 39 2.6 1,392 92.6 30 2.0 41 2.7 80 5.3

Oregon 1,522 100.0 12 0.8 26 1.7 44 2.9 1,420 93.3 20 1.3 39 2.5 82 5.4

Pennsylvania 5,161 100.0 19 0.4 79 1.5 56 1.1 4,884 94.6 124 2.4 98 1.9 154 3.0

Rhode Island 423 100.0 8 1.9 8 1.8 11 2.5 384 90.7 13 3.0 16 3.8 26 6.2

South Carolina 1,787 100.0 7 0.4 11 0.6 33 1.8 1,708 95.6 28 1.6 18 1.0 51 2.9

South Dakota 329 100.0 2 0.7 4 1.2 6 1.7 314 95.4 3 1.0 6 1.8 12 3.5

Tennessee 2,605 100.0 15 0.6 31 1.2 50 1.9 2,490 95.6 18 0.7 46 1.8 97 3.7

Texas 9,136 100.0 286 3.1 257 2.8 298 3.3 8,135 89.0 160 1.8 543 5.9 841 9.2

Utah 926 100.0 7 0.7 11 1.2 15 1.6 893 96.4 - - 18 2.0 33 3.6

Vermont 269 100.0 0 0.1 1 0.3 5 1.7 260 96.6 4 1.3 1 0.4 6 2.1

Virginia 3,008 100.0 32 1.1 48 1.6 44 1.5 2,743 91.2 141 4.7 79 2.6 124 4.1

Washington 2,748 100.0 21 0.8 39 1.4 63 2.3 2,565 93.3 61 2.2 60 2.2 122 4.5

West Virginia 762 100.0 1 0.2 6 0.8 8 1.0 721 94.6 26 3.4 7 0.9 15 2.0

Wisconsin 2,316 100.0 32 1.4 28 1.2 42 1.8 2,178 94.0 36 1.6 60 2.6 102 4.4

Wyoming 236 100.0 2 0.8 1 0.5 4 1.7 223 94.4 6 2.5 3 1.4 7 3.1

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell, there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that the true value is only 

slightly greater than zero.

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as 

having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 

months. The unknown category includes only households that did not know whether they had ever used AFS.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table B-18 Timing of Unbanked Households’ Use of Remittances by State

Geography

All Unbanked 

Households

Timing of Non-Bank Remittance Usea Memo Items

In Last 30 Days In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Non-Bank 

Remittances Used 

in the Last Year

Ever Used NonBank Remittances

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

All Unbanked Households 9,875 100.0 386 3.9 522 5.3 316 3.2 8,086 81.9 565 5.7 908 9.2 1,224 12.4

Alabama 193 100.0 4 1.9 15 7.6 4 2.2 167 86.5 4 1.9 18 9.5 22 11.6

Alaska 14 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Arizona 304 100.0 5 1.7 26 8.5 14 4.5 249 81.8 11 3.5 31 10.2 45 14.7

Arkansas 141 100.0 - - 5 3.9 3 2.3 121 86.1 11 7.7 5 3.9 9 6.2

California 1,030 100.0 87 8.4 76 7.3 44 4.3 750 72.8 74 7.1 163 15.8 207 20.1

Colorado 107 100.0 9 8.4 2 2.2 2 1.8 87 81.7 6 6.0 11 10.6 13 12.4

Connecticut 73 100.0 2 2.5 3 3.6 5 6.6 61 83.8 3 3.5 4 6.1 9 12.7

Delaware 23 100.0 2 7.4 1 3.7 - - 18 77.0 3 11.9 3 11.1 3 11.1

District of Columbia 31 100.0 1 3.1 2 6.5 - - 25 82.7 2 7.7 3 9.6 3 9.6

Florida 570 100.0 24 4.2 38 6.7 5 0.8 445 78.0 59 10.3 62 10.9 67 11.7

Georgia 442 100.0 13 2.9 4 0.9 18 4.1 374 84.6 33 7.5 17 3.8 35 7.9

Hawaii 17 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Idaho 33 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Illinois 374 100.0 19 5.0 12 3.1 10 2.7 304 81.2 30 8.1 30 8.1 40 10.7

Indiana 201 100.0 4 2.1 4 2.2 5 2.6 171 85.3 16 7.8 9 4.3 14 6.9

Iowa 54 100.0 - - 2 3.4 - - 51 93.9 1 2.7 2 3.4 2 3.4

Kansas 81 100.0 4 5.5 3 3.8 5 6.3 65 80.9 3 3.5 7 9.3 13 15.6

Kentucky 179 100.0 5 2.6 8 4.4 3 1.5 156 86.9 8 4.5 13 7.1 15 8.6

Louisiana 209 100.0 5 2.3 - - 6 2.9 184 88.2 14 6.7 5 2.3 11 5.1

Maine 20 100.0 - - - - - - 19 93.3 1 6.7 - - - -

Maryland 123 100.0 7 5.3 10 8.5 9 7.1 90 73.1 7 5.9 17 13.8 26 21.0

Massachusetts 128 100.0 - - - - - - 128 100.0 - - - - - -

Michigan 307 100.0 - - 27 8.8 - - 266 86.8 14 4.4 27 8.8 27 8.8

Minnesota 90 100.0 - - 6 6.3 6 6.7 75 83.8 3 3.2 6 6.3 12 13.0

Mississippi 173 100.0 - - - - 2 1.4 164 94.8 7 3.8 - - 2 1.4

Missouri 237 100.0 5 2.1 6 2.7 6 2.6 216 91.2 3 1.4 11 4.8 18 7.4

Montana 21 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Nebraska 27 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Nevada 77 100.0 2 2.2 3 4.5 2 2.4 59 76.8 11 14.2 5 6.6 7 9.0

New Hampshire 10 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

New Jersey 212 100.0 5 2.3 24 11.1 28 13.4 151 71.5 4 1.7 28 13.4 57 26.8

New Mexico 94 100.0 2 2.4 2 1.8 - - 90 95.8 - - 4 4.2 4 4.2

New York 740 100.0 38 5.1 60 8.1 22 3.0 573 77.5 47 6.3 98 13.2 120 16.2

North Carolina 359 100.0 13 3.6 22 6.2 21 5.8 296 82.3 7 2.0 35 9.8 56 15.6

North Dakota 15 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Ohio 414 100.0 7 1.8 - - 13 3.1 347 83.8 47 11.3 7 1.8 20 4.8

Oklahoma 164 100.0 15 9.4 2 1.5 - - 144 88.0 2 1.1 18 10.9 18 10.9

Oregon 65 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Pennsylvania 315 100.0 - - 31 9.9 5 1.7 254 80.6 25 7.8 31 9.9 37 11.6

Rhode Island 30 100.0 1 1.8 1 3.8 1 4.5 25 84.9 1 4.9 2 5.6 3 10.1

South Carolina 166 100.0 - - - - 6 3.8 148 89.2 12 7.1 - - 6 3.8

South Dakota 15 100.0 0 2.1 - - 0 2.7 13 90.7 1 4.5 0 2.1 1 4.9

Tennessee 283 100.0 11 4.0 14 5.0 9 3.1 248 87.8 - - 26 9.1 34 12.2

Texas 1,167 100.0 74 6.4 74 6.4 38 3.2 923 79.1 57 4.9 149 12.8 186 16.0

Utah 26 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Vermont 9 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Virginia 199 100.0 2 1.0 19 9.5 4 1.9 160 80.2 15 7.4 21 10.5 25 12.4

Washington 123 100.0 7 5.6 3 2.4 - - 104 84.0 10 8.0 10 8.0 10 8.0

West Virginia 72 100.0 - - 1 2.0 - - 70 96.1 1 1.9 1 2.0 1 2.0

Wisconsin 105 100.0 8 7.2 3 3.1 9 8.4 83 78.9 2 2.4 11 10.3 20 18.7

Wyoming 14 100.0 0 3.6 1 4.1 0 3.1 12 84.4 1 4.8 1 7.7 1 10.8

Notes:

Figures do not always reconcile to totals because of rounding.

NA = Not available because the sample size was too small to make an accurate estimate.

- = For this table cell, there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that the true value is only slightly greater than zero.

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table B-19 Timing of Underbanked Households’ Use of Remittances by State

Geography

All Underbanked 

Households

Timing of Non-Bank Remittance Usea Memo Items

In Last 30 Days In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Non-Bank 

Remittances Used 

in the Last Year

Ever Used NonBank Remittances

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

All Underbanked Households 24,199 100.0 1,372 5.7 2,118 8.8 880 3.6 19,718 81.5 112 0.5 3,489 14.4 4,369 18.1

Alabama 544 100.0 4 0.8 14 2.6 20 3.6 506 93.0 - - 19 3.4 38 7.0

Alaska 56 100.0 3 5.4 5 8.7 3 4.5 45 81.4 - - 8 14.1 10 18.6

Arizona 537 100.0 49 9.1 60 11.2 3 0.6 425 79.1 - - 109 20.3 112 20.9

Arkansas 321 100.0 10 3.1 9 2.8 18 5.6 284 88.4 - - 19 5.9 37 11.6

California 2,374 100.0 259 10.9 414 17.4 94 3.9 1,589 66.9 18 0.8 673 28.3 766 32.3

Colorado 317 100.0 8 2.6 36 11.2 7 2.1 265 83.4 2 0.6 44 13.8 51 16.0

Connecticut 208 100.0 22 10.4 19 9.3 5 2.5 160 77.1 1 0.7 41 19.7 46 22.2

Delaware 54 100.0 2 3.5 4 7.8 0 0.7 47 87.4 0 0.6 6 11.3 6 12.0

District of Columbia 63 100.0 4 7.0 8 12.9 4 6.0 46 74.2 - - 12 19.8 16 25.8

Florida 1,645 100.0 123 7.5 204 12.4 48 2.9 1,265 76.9 5 0.3 327 19.9 375 22.8

Georgia 1,026 100.0 44 4.3 76 7.4 32 3.2 874 85.1 - - 120 11.7 153 14.9

Hawaii 89 100.0 12 13.7 8 8.6 5 6.0 64 71.8 - - 20 22.3 25 28.2

Idaho 112 100.0 2 2.0 6 5.2 4 3.7 100 89.1 - - 8 7.2 12 10.9

Illinois 879 100.0 63 7.2 132 15.0 19 2.2 665 75.6 - - 195 22.2 214 24.4

Indiana 489 100.0 - - 21 4.3 11 2.3 457 93.4 - - 21 4.3 32 6.6

Iowa 215 100.0 15 6.9 13 6.1 7 3.1 177 82.6 3 1.3 28 13.1 35 16.1

Kansas 223 100.0 6 2.6 9 4.0 12 5.3 195 87.5 1 0.7 15 6.6 27 11.9

Kentucky 391 100.0 - - 16 4.1 5 1.2 370 94.7 - - 16 4.1 21 5.3

Louisiana 495 100.0 18 3.7 16 3.2 17 3.5 443 89.6 - - 34 6.9 52 10.4

Maine 104 100.0 5 5.1 3 3.3 1 0.7 94 90.9 - - 9 8.5 9 9.1

Maryland 461 100.0 25 5.3 59 12.8 21 4.5 354 76.8 3 0.6 83 18.1 104 22.6

Massachusetts 369 100.0 38 10.3 23 6.2 19 5.2 289 78.4 - - 61 16.4 80 21.6

Michigan 685 100.0 5 0.7 30 4.4 9 1.4 637 93.0 4 0.5 35 5.1 44 6.5

Minnesota 272 100.0 11 4.2 15 5.5 13 4.7 228 83.7 5 2.0 26 9.7 39 14.3

Mississippi 269 100.0 2 0.9 14 5.3 14 5.1 239 88.7 - - 17 6.2 30 11.3

Missouri 514 100.0 15 2.8 7 1.4 18 3.4 465 90.4 10 1.9 22 4.2 39 7.6

Montana 93 100.0 1 1.0 1 0.8 2 1.9 90 96.4 - - 2 1.7 3 3.6

Nebraska 130 100.0 4 3.0 10 8.0 2 1.4 114 87.7 - - 14 10.9 16 12.3

Nevada 323 100.0 23 7.2 37 11.4 17 5.3 245 75.7 1 0.4 60 18.6 77 23.9

New Hampshire 66 100.0 1 1.6 8 11.9 - - 56 85.8 0 0.7 9 13.5 9 13.5

New Jersey 621 100.0 47 7.5 130 20.9 48 7.8 389 62.6 7 1.1 177 28.5 225 36.3

New Mexico 193 100.0 11 5.7 8 4.4 5 2.8 165 85.8 3 1.4 19 10.1 25 12.8

New York 1,487 100.0 129 8.7 205 13.8 76 5.1 1,061 71.4 16 1.1 334 22.4 410 27.5

North Carolina 840 100.0 40 4.7 55 6.6 23 2.7 723 86.0 - - 95 11.3 118 14.0

North Dakota 51 100.0 1 2.8 1 1.7 1 1.9 48 93.7 - - 2 4.5 3 6.3

Ohio 912 100.0 22 2.4 24 2.7 34 3.8 832 91.2 - - 46 5.0 80 8.8

Oklahoma 349 100.0 6 1.8 17 4.7 20 5.7 306 87.7 - - 23 6.6 43 12.3

Oregon 219 100.0 12 5.6 24 11.0 12 5.4 170 78.0 - - 36 16.6 48 22.0

Pennsylvania 931 100.0 19 2.0 48 5.1 11 1.2 845 90.8 8 0.9 67 7.2 77 8.3

Rhode Island 75 100.0 8 10.1 7 8.8 4 4.7 57 75.1 1 1.3 14 18.9 18 23.6

South Carolina 369 100.0 7 1.9 11 3.1 11 3.1 339 91.9 - - 18 5.0 30 8.1

South Dakota 72 100.0 2 2.7 4 5.2 1 1.7 65 90.3 - - 6 7.9 7 9.7

Tennessee 473 100.0 4 0.8 16 3.5 15 3.2 437 92.5 - - 20 4.3 35 7.5

Texas 2,481 100.0 212 8.5 183 7.4 127 5.1 1,951 78.6 8 0.3 395 15.9 522 21.0

Utah 195 100.0 7 3.5 11 5.9 - - 176 90.6 - - 18 9.4 18 9.4

Vermont 47 100.0 0 0.8 1 1.5 2 3.3 44 94.3 - - 1 2.3 3 5.7

Virginia 503 100.0 30 5.9 29 5.7 23 4.6 414 82.3 7 1.5 59 11.6 82 16.2

Washington 533 100.0 14 2.6 36 6.8 30 5.6 450 84.5 3 0.5 50 9.4 80 15.0

West Virginia 146 100.0 1 0.9 4 3.0 1 0.8 138 94.2 2 1.1 6 3.9 7 4.7

Wisconsin 329 100.0 24 7.4 25 7.5 5 1.5 272 82.7 3 1.0 49 14.8 54 16.3

Wyoming 50 100.0 1 3.0 1 1.4 2 3.3 46 92.3 - - 2 4.4 4 7.7

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell, there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that the true value is only 

slightly greater than zero.

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as 

having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 

months. The unknown category includes only households that did not know whether they had ever used AFS.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table B-20 Timing of Fully Banked Households’ Use of Remittances by State

Geography

All Fully Banked 

Households

Timing of Non-Bank Remittance Use Memo Item

Not in the Last 12 Months Never Used

Ever Used Non-Bank 

Remittances

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

All Fully Banked Households 82,830 100.0 1,439 1.7 81,391 98.3 1,439 1.7

Alabama 1,099 100.0 21 1.9 1,078 98.1 21 1.9

Alaska 196 100.0 4 2.3 192 97.7 4 2.3

Arizona 1,734 100.0 26 1.5 1,708 98.5 26 1.5

Arkansas 658 100.0 2 0.3 656 99.7 2 0.3

California 9,355 100.0 288 3.1 9,067 96.9 288 3.1

Colorado 1,510 100.0 25 1.6 1,485 98.4 25 1.6

Connecticut 1,056 100.0 11 1.1 1,044 98.9 11 1.1

Delaware 262 100.0 4 1.6 258 98.4 4 1.6

District of Columbia 180 100.0 4 2.0 176 98.0 4 2.0

Florida 5,309 100.0 132 2.5 5,177 97.5 132 2.5

Georgia 2,248 100.0 31 1.4 2,217 98.6 31 1.4

Hawaii 313 100.0 8 2.5 305 97.5 8 2.5

Idaho 432 100.0 4 0.9 428 99.1 4 0.9

Illinois 3,546 100.0 65 1.8 3,481 98.2 65 1.8

Indiana 1,817 100.0 18 1.0 1,799 99.0 18 1.0

Iowa 932 100.0 5 0.5 927 99.5 5 0.5

Kansas 814 100.0 11 1.4 802 98.6 11 1.4

Kentucky 1,225 100.0 10 0.8 1,216 99.2 10 0.8

Louisiana 1,066 100.0 23 2.2 1,043 97.8 23 2.2

Maine 413 100.0 9 2.2 404 97.8 9 2.2

Maryland 1,528 100.0 21 1.4 1,506 98.6 21 1.4

Massachusetts 2,029 100.0 37 1.8 1,992 98.2 37 1.8

Michigan 2,824 100.0 46 1.6 2,778 98.4 46 1.6

Minnesota 1,763 100.0 23 1.3 1,741 98.7 23 1.3

Mississippi 696 100.0 9 1.3 687 98.7 9 1.3

Missouri 1,681 100.0 19 1.2 1,661 98.8 19 1.2

Montana 303 100.0 4 1.3 299 98.7 4 1.3

Nebraska 559 100.0 15 2.7 544 97.3 15 2.7

Nevada 600 100.0 4 0.7 596 99.3 4 0.7

New Hampshire 439 100.0 4 0.9 435 99.1 4 0.9

New Jersey 2,297 100.0 71 3.1 2,226 96.9 71 3.1

New Mexico 494 100.0 11 2.3 483 97.7 11 2.3

New York 5,159 100.0 79 1.5 5,080 98.5 79 1.5

North Carolina 2,579 100.0 8 0.3 2,571 99.7 8 0.3

North Dakota 210 100.0 1 0.7 209 99.3 1 0.7

Ohio 3,172 100.0 23 0.7 3,149 99.3 23 0.7

Oklahoma 935 100.0 19 2.1 916 97.9 19 2.1

Oregon 1,195 100.0 26 2.2 1,169 97.8 26 2.2

Pennsylvania 3,771 100.0 40 1.0 3,732 99.0 40 1.0

Rhode Island 304 100.0 6 1.8 298 98.2 6 1.8

South Carolina 1,219 100.0 15 1.3 1,203 98.7 15 1.3

South Dakota 236 100.0 4 1.7 232 98.3 4 1.7

Tennessee 1,818 100.0 27 1.5 1,791 98.5 27 1.5

Texas 5,309 100.0 123 2.3 5,186 97.7 123 2.3

Utah 694 100.0 13 1.9 680 98.1 13 1.9

Vermont 207 100.0 3 1.4 204 98.6 3 1.4

Virginia 2,138 100.0 17 0.8 2,120 99.2 17 0.8

Washington 2,012 100.0 33 1.6 1,979 98.4 33 1.6

West Virginia 505 100.0 7 1.3 498 98.7 7 1.3

Wisconsin 1,823 100.0 28 1.5 1,795 98.5 28 1.5

Wyoming 167 100.0 2 1.2 164 98.8 2 1.2

Notes:

Figures do not always reconcile to totals because of rounding.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table B-21 Timing of Households’ Use of Payday Lending by State

Geography

All U.S. Households

Timing of Payday Lending Usea Memo Items

In Last 30 Days In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Payday Lending Use 

in the Last Year

Ever Used Payday Lending

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

All U.S. Households 120,408 100.0 814 0.7 1,249 1.0 3,559 3.0 111,772 92.8 3,014 2.5 2,063 1.7 5,622 4.7

Alabama 1,889 100.0 14 0.8 54 2.8 82 4.3 1,709 90.5 30 1.6 68 3.6 150 7.9

Alaska 276 100.0 1 0.4 4 1.3 9 3.3 254 91.9 9 3.1 5 1.7 14 5.0

Arizona 2,622 100.0 4 0.1 26 1.0 124 4.7 2,435 92.9 33 1.3 29 1.1 154 5.9

Arkansas 1,142 100.0 3 0.3 4 0.3 43 3.7 1,072 93.9 20 1.7 7 0.7 50 4.4

California 13,191 100.0 118 0.9 124 0.9 434 3.3 12,124 91.9 391 3.0 242 1.8 676 5.1

Colorado 1,974 100.0 16 0.8 31 1.6 69 3.5 1,815 92.0 43 2.2 47 2.4 116 5.9

Connecticut 1,365 100.0 1 0.1 1 0.1 14 1.0 1,328 97.3 20 1.5 2 0.2 16 1.2

Delaware 346 100.0 1 0.3 3 0.9 7 2.0 326 94.5 8 2.3 4 1.2 11 3.2

District of Columbia 281 100.0 0 0.1 1 0.2 4 1.5 269 95.7 7 2.5 1 0.3 5 1.8

Florida 7,801 100.0 77 1.0 110 1.4 220 2.8 7,088 90.9 306 3.9 187 2.4 407 5.2

Georgia 3,834 100.0 15 0.4 19 0.5 49 1.3 3,651 95.2 100 2.6 34 0.9 83 2.2

Hawaii 443 100.0 2 0.4 1 0.1 12 2.7 411 92.9 17 3.9 2 0.5 14 3.2

Idaho 589 100.0 10 1.6 15 2.6 31 5.3 525 89.2 8 1.3 25 4.2 56 9.5

Illinois 4,956 100.0 7 0.1 50 1.0 154 3.1 4,604 92.9 141 2.9 57 1.2 211 4.3

Indiana 2,560 100.0 20 0.8 37 1.5 89 3.5 2,354 92.0 59 2.3 58 2.2 147 5.7

Iowa 1,244 100.0 9 0.7 14 1.2 32 2.6 1,158 93.1 31 2.5 23 1.8 55 4.4

Kansas 1,136 100.0 15 1.3 23 2.0 69 6.0 1,012 89.1 18 1.6 38 3.3 106 9.4

Kentucky 1,819 100.0 29 1.6 21 1.2 50 2.8 1,696 93.2 23 1.3 50 2.8 101 5.5

Louisiana 1,816 100.0 18 1.0 9 0.5 101 5.5 1,644 90.6 43 2.4 28 1.5 128 7.1

Maine 546 100.0 1 0.1 1 0.2 8 1.5 529 96.8 7 1.3 2 0.3 10 1.8

Maryland 2,170 100.0 3 0.1 16 0.7 24 1.1 2,085 96.1 42 1.9 19 0.9 43 2.0

Massachusetts 2,614 100.0 3 0.1 7 0.3 15 0.6 2,534 96.9 55 2.1 11 0.4 25 1.0

Michigan 3,969 100.0 27 0.7 30 0.7 81 2.0 3,718 93.7 113 2.9 56 1.4 137 3.5

Minnesota 2,163 100.0 13 0.6 6 0.3 33 1.5 2,081 96.2 30 1.4 19 0.9 52 2.4

Mississippi 1,143 100.0 4 0.4 11 1.0 73 6.4 1,043 91.2 12 1.1 16 1.4 88 7.7

Missouri 2,490 100.0 29 1.2 24 1.0 130 5.2 2,263 90.9 44 1.8 53 2.1 183 7.3

Montana 426 100.0 2 0.4 3 0.6 21 4.8 394 92.5 7 1.6 4 1.0 25 5.8

Nebraska 734 100.0 6 0.8 6 0.8 20 2.8 693 94.4 9 1.2 12 1.6 32 4.4

Nevada 1,035 100.0 23 2.2 58 5.6 42 4.1 875 84.6 37 3.6 81 7.8 123 11.8

New Hampshire 526 100.0 - - 1 0.1 5 1.0 509 96.8 11 2.0 1 0.1 6 1.1

New Jersey 3,202 100.0 - - 5 0.2 18 0.6 3,147 98.3 31 1.0 5 0.2 24 0.7

New Mexico 816 100.0 8 1.0 11 1.4 22 2.7 752 92.2 22 2.7 20 2.4 42 5.1

New York 7,677 100.0 - - 11 0.1 34 0.4 7,367 96.0 265 3.5 11 0.1 45 0.6

North Carolina 3,878 100.0 8 0.2 11 0.3 89 2.3 3,686 95.0 84 2.2 19 0.5 109 2.8

North Dakota 283 100.0 2 0.9 5 1.7 5 1.9 266 94.1 4 1.4 7 2.6 13 4.5

Ohio 4,719 100.0 37 0.8 74 1.6 213 4.5 4,219 89.4 176 3.7 111 2.4 324 6.9

Oklahoma 1,503 100.0 15 1.0 27 1.8 56 3.7 1,361 90.5 44 2.9 42 2.8 99 6.6

Oregon 1,522 100.0 12 0.8 6 0.4 57 3.7 1,424 93.5 24 1.6 19 1.2 75 4.9

Pennsylvania 5,161 100.0 17 0.3 21 0.4 53 1.0 4,943 95.8 127 2.5 38 0.7 91 1.8

Rhode Island 423 100.0 0 0.1 4 0.9 3 0.7 403 95.1 13 3.2 4 1.0 7 1.7

South Carolina 1,787 100.0 16 0.9 17 0.9 84 4.7 1,634 91.4 37 2.1 33 1.8 116 6.5

South Dakota 329 100.0 5 1.6 6 1.7 9 2.7 306 93.0 3 1.0 11 3.3 20 6.1

Tennessee 2,605 100.0 33 1.3 55 2.1 89 3.4 2,398 92.1 30 1.1 87 3.4 177 6.8

Texas 9,136 100.0 92 1.0 165 1.8 316 3.5 8,381 91.7 181 2.0 257 2.8 573 6.3

Utah 926 100.0 11 1.2 18 2.0 54 5.8 843 91.0 - - 29 3.2 83 9.0

Vermont 269 100.0 - - 1 0.3 3 1.0 262 97.5 3 1.2 1 0.3 4 1.3

Virginia 3,008 100.0 19 0.6 26 0.9 100 3.3 2,709 90.1 154 5.1 45 1.5 144 4.8

Washington 2,748 100.0 48 1.7 45 1.6 215 7.8 2,367 86.1 74 2.7 93 3.4 307 11.2

West Virginia 762 100.0 2 0.2 3 0.4 7 1.0 728 95.5 22 2.9 5 0.6 12 1.6

Wisconsin 2,316 100.0 13 0.6 26 1.1 74 3.2 2,165 93.5 38 1.7 39 1.7 113 4.9

Wyoming 236 100.0 4 1.6 3 1.2 12 5.2 211 89.3 6 2.7 6 2.7 19 8.0

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell, there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that the true value is only slightly greater than zero.

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table B-22 Timing of Unbanked Households’ Use of Payday Lending by State

Geography

All Unbanked 

Households

Timing of Payday Lending Usea Memo Items

In Last 30 Days In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Payday Lending 

Use in the Last Year

Ever Used Payday 

Lending

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

All Unbanked Households 9,875 100.0 45 0.5 117 1.2 565 5.7 8,554 86.6 594 6.0 162 1.6 727 7.4

Alabama 193 100.0 - - 9 4.5 4 2.2 176 91.4 4 1.9 9 4.5 13 6.7

Alaska 14 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Arizona 304 100.0 - - 4 1.4 36 11.7 253 83.4 11 3.5 4 1.4 40 13.1

Arkansas 141 100.0 - - - - 6 4.1 126 89.5 9 6.4 - - 6 4.1

California 1,030 100.0 - - 8 0.8 57 5.5 886 86.0 80 7.7 8 0.8 65 6.3

Colorado 107 100.0 - - 2 2.0 12 11.2 86 80.9 6 6.0 2 2.0 14 13.1

Connecticut 73 100.0 - - - - 1 1.8 68 92.7 4 5.5 - - 1 1.8

Delaware 23 100.0 - - - - 0 1.5 21 90.2 2 8.2 - - 0 1.5

District of Columbia 31 100.0 - - - - 2 5.9 27 87.6 2 6.5 - - 2 5.9

Florida 570 100.0 - - 5 0.8 46 8.1 456 80.0 63 11.0 5 0.8 51 9.0

Georgia 442 100.0 - - 5 1.0 4 0.9 409 92.5 24 5.5 5 1.0 9 2.0

Hawaii 17 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Idaho 33 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Illinois 374 100.0 - - 4 1.2 24 6.3 320 85.5 26 7.0 4 1.2 28 7.5

Indiana 201 100.0 - - 8 4.0 22 10.8 155 77.4 16 7.8 8 4.0 30 14.8

Iowa 54 100.0 - - 2 3.2 2 2.8 47 86.1 4 8.0 2 3.2 3 6.0

Kansas 81 100.0 2 2.9 4 5.4 11 13.5 59 72.8 4 5.3 7 8.3 18 21.8

Kentucky 179 100.0 5 2.6 2 1.1 12 6.6 153 85.1 8 4.5 7 3.8 19 10.3

Louisiana 209 100.0 3 1.6 - - 17 8.3 174 83.4 14 6.7 3 1.6 21 9.9

Maine 20 100.0 - - - - 0 2.2 19 91.1 1 6.7 - - 0 2.2

Maryland 123 100.0 - - - - 2 1.3 114 92.8 7 5.9 - - 2 1.3

Massachusetts 128 100.0 3 2.4 - - - - 125 97.6 - - 3 2.4 3 2.4

Michigan 307 100.0 - - - - 12 3.8 275 89.5 21 6.7 - - 12 3.8

Minnesota 90 100.0 2 2.5 2 2.4 2 2.0 81 89.9 3 3.2 4 4.9 6 6.9

Mississippi 173 100.0 - - 2 1.4 20 11.8 143 82.9 7 3.8 2 1.4 23 13.2

Missouri 237 100.0 3 1.4 3 1.4 18 7.7 209 88.0 3 1.5 7 2.8 25 10.5

Montana 21 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Nebraska 27 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Nevada 77 100.0 1 1.6 7 9.2 9 11.7 50 65.0 10 12.4 8 10.9 17 22.6

New Hampshire 10 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

New Jersey 212 100.0 - - - - - - 212 100.0 - - - - - -

New Mexico 94 100.0 2 1.8 1 1.3 2 1.8 89 95.2 - - 3 3.1 5 4.8

New York 740 100.0 - - - - 8 1.1 683 92.3 48 6.5 - - 8 1.1

North Carolina 359 100.0 - - - - 8 2.3 340 94.5 12 3.3 - - 8 2.3

North Dakota 15 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Ohio 414 100.0 - - 7 1.7 32 7.6 331 80.0 44 10.7 7 1.7 39 9.3

Oklahoma 164 100.0 3 1.9 7 4.0 20 12.0 130 79.3 5 2.9 10 5.8 29 17.9

Oregon 65 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Pennsylvania 315 100.0 - - - - 4 1.3 291 92.2 21 6.5 - - 4 1.3

Rhode Island 30 100.0 - - - - 2 6.5 26 88.5 1 4.9 - - 2 6.5

South Carolina 166 100.0 - - 3 1.8 2 1.4 146 87.8 15 9.0 3 1.8 5 3.2

South Dakota 15 100.0 1 6.6 1 5.2 1 6.2 11 77.5 1 4.5 2 11.8 3 18.0

Tennessee 283 100.0 5 1.6 7 2.6 21 7.3 244 86.4 6 2.1 12 4.2 33 11.5

Texas 1,167 100.0 11 0.9 16 1.4 76 6.5 1,006 86.3 57 4.9 27 2.3 103 8.8

Utah 26 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Vermont 9 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Virginia 199 100.0 - - - - 14 7.3 163 82.1 21 10.6 - - 14 7.3

Washington 123 100.0 - - - - 9 7.3 99 80.0 16 12.6 - - 9 7.3

West Virginia 72 100.0 - - 1 2.0 2 2.3 69 95.7 - - 1 2.0 3 4.3

Wisconsin 105 100.0 - - 3 3.3 11 10.1 86 81.4 5 5.1 3 3.3 14 13.4

Wyoming 14 100.0 - - - - 3 23.0 10 72.2 1 4.8 - - 3 23.0

Notes:

Figures do not always reconcile to totals because of rounding.

NA = Not available because the sample size was too small to make an accurate estimate.

- = For this table cell, there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that the true value is only 

slightly greater than zero.

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table B-23 Timing of Underbanked Households’ Use of Payday Lending by State

Geography

All Underbanked 

Households

Timing of Payday Lending Usea Memo Items

In Last 30 Days In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Payday Lending 

Use in the Last 

Year

Ever Used Payday Lending

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

All Underbanked Households 24,199 100.0 769 3.2 1,132 4.7 1,640 6.8 20,480 84.6 179 0.7 1,901 7.9 3,541 14.6

Alabama 544 100.0 14 2.7 45 8.2 42 7.7 443 81.4 - - 59 10.9 101 18.6

Alaska 56 100.0 1 2.1 4 6.3 5 8.6 46 83.0 - - 5 8.4 9 17.0

Arizona 537 100.0 4 0.7 21 4.0 42 7.7 471 87.6 - - 25 4.7 67 12.4

Arkansas 321 100.0 3 1.1 4 1.2 30 9.2 284 88.5 - - 7 2.3 37 11.5

California 2,374 100.0 118 5.0 116 4.9 170 7.2 1,952 82.2 18 0.7 234 9.9 404 17.0

Colorado 317 100.0 16 5.1 29 9.2 26 8.1 241 76.0 5 1.7 45 14.3 71 22.4

Connecticut 208 100.0 1 0.5 1 0.6 2 1.2 202 97.0 1 0.7 2 1.1 5 2.3

Delaware 54 100.0 1 1.7 3 6.1 2 3.7 46 86.3 1 2.3 4 7.8 6 11.4

District of Columbia 63 100.0 0 0.6 1 1.0 1 1.8 61 96.7 - - 1 1.5 2 3.3

Florida 1,645 100.0 77 4.7 105 6.4 81 4.9 1,363 82.8 20 1.2 182 11.1 263 16.0

Georgia 1,026 100.0 15 1.5 14 1.4 32 3.2 960 93.5 5 0.5 29 2.8 62 6.0

Hawaii 89 100.0 2 2.1 1 0.6 7 7.7 79 89.6 - - 2 2.7 9 10.4

Idaho 112 100.0 10 8.5 14 12.5 16 14.6 72 64.4 - - 24 21.0 40 35.6

Illinois 879 100.0 7 0.8 46 5.2 76 8.7 747 85.0 3 0.4 53 6.0 129 14.7

Indiana 489 100.0 20 4.1 29 6.0 50 10.2 389 79.6 - - 50 10.1 100 20.4

Iowa 215 100.0 9 4.0 13 5.9 15 7.1 175 81.7 3 1.3 21 9.9 37 17.0

Kansas 223 100.0 13 5.7 18 8.2 31 14.0 158 70.7 3 1.4 31 13.9 62 27.9

Kentucky 391 100.0 24 6.2 19 4.9 23 5.9 321 82.2 3 0.7 44 11.2 67 17.1

Louisiana 495 100.0 15 3.1 9 1.8 51 10.3 419 84.8 - - 24 4.9 75 15.2

Maine 104 100.0 1 0.7 1 1.1 5 5.1 96 92.0 1 1.1 2 1.8 7 6.9

Maryland 461 100.0 3 0.7 16 3.5 18 4.0 423 91.9 - - 19 4.1 37 8.1

Massachusetts 369 100.0 - - 7 2.0 12 3.2 350 94.8 - - 7 2.0 19 5.2

Michigan 685 100.0 27 3.9 30 4.3 40 5.9 585 85.4 4 0.5 56 8.2 97 14.1

Minnesota 272 100.0 11 3.9 4 1.4 16 5.9 238 87.4 4 1.3 15 5.3 31 11.3

Mississippi 269 100.0 4 1.6 9 3.3 35 13.0 221 82.0 - - 13 4.9 48 18.0

Missouri 514 100.0 26 5.0 21 4.1 70 13.7 383 74.5 14 2.7 47 9.1 117 22.8

Montana 93 100.0 2 1.6 3 2.8 7 7.8 81 86.3 1 1.4 4 4.5 11 12.3

Nebraska 130 100.0 5 3.9 6 4.4 5 3.9 114 87.2 1 0.7 11 8.3 16 12.2

Nevada 323 100.0 21 6.6 51 15.7 18 5.7 228 70.6 4 1.3 72 22.3 91 28.1

New Hampshire 66 100.0 - - 1 0.8 2 3.7 62 94.0 1 1.4 1 0.8 3 4.6

New Jersey 621 100.0 - - 5 0.9 3 0.5 604 97.3 8 1.3 5 0.9 9 1.4

New Mexico 193 100.0 7 3.5 10 5.2 8 4.2 168 87.1 - - 17 8.7 25 12.9

New York 1,487 100.0 - - 11 0.7 12 0.8 1,443 97.0 22 1.5 11 0.7 23 1.5

North Carolina 840 100.0 8 1.0 11 1.4 56 6.7 760 90.5 4 0.5 19 2.3 76 9.0

North Dakota 51 100.0 2 4.8 4 8.5 1 1.7 43 85.0 - - 7 13.3 8 15.0

Ohio 912 100.0 37 4.1 67 7.3 99 10.8 705 77.3 4 0.5 104 11.4 203 22.2

Oklahoma 349 100.0 12 3.4 21 6.0 25 7.2 291 83.4 - - 33 9.4 58 16.6

Oregon 219 100.0 12 5.6 6 2.9 18 8.3 182 83.3 - - 19 8.5 37 16.7

Pennsylvania 931 100.0 17 1.8 21 2.2 34 3.6 847 91.0 13 1.4 38 4.0 71 7.7

Rhode Island 75 100.0 0 0.5 4 5.1 1 0.7 69 91.6 2 2.1 4 5.7 5 6.4

South Carolina 369 100.0 16 4.3 14 3.7 53 14.3 286 77.6 - - 30 8.0 82 22.4

South Dakota 72 100.0 4 5.8 5 6.9 5 7.5 58 79.9 - - 9 12.7 15 20.1

Tennessee 473 100.0 28 5.9 47 10.0 45 9.4 353 74.6 - - 75 15.9 120 25.4

Texas 2,481 100.0 82 3.3 149 6.0 165 6.7 2,078 83.8 7 0.3 230 9.3 396 15.9

Utah 195 100.0 8 4.0 18 9.3 28 14.2 141 72.4 - - 26 13.3 54 27.6

Vermont 47 100.0 - - 1 1.7 2 3.4 45 95.0 - - 1 1.7 2 5.0

Virginia 503 100.0 19 3.8 26 5.1 46 9.1 397 78.9 15 3.1 45 8.9 91 18.1

Washington 533 100.0 48 9.0 45 8.4 77 14.5 356 66.8 7 1.2 93 17.4 170 31.9

West Virginia 146 100.0 2 1.1 2 1.2 1 1.0 140 95.6 2 1.1 3 2.3 5 3.3

Wisconsin 329 100.0 13 3.9 23 6.9 24 7.3 267 80.9 3 1.0 35 10.8 60 18.1

Wyoming 50 100.0 4 7.5 3 5.5 4 8.6 39 77.5 0 0.8 6 13.1 11 21.7

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell, there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that the true value is only slightly greater than zero.

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as 

having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 

months. The unknown category includes only households that did not know whether they had ever used AFS.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table B-24 Timing of Fully Banked Households’ Use of Payday Lending by State

Geography

All Fully Banked 

Households

Timing of Payday Lending Use Memo Item

Not in the Last 12 Months Never Used Has Ever Used

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

All Fully Banked Households 82,830 100.0 1,320 1.6 81,510 98.4 1,320 1.6

Alabama 1,099 100.0 36 3.2 1,064 96.8 36 3.2

Alaska 196 100.0 3 1.4 194 98.6 3 1.4

Arizona 1,734 100.0 47 2.7 1,687 97.3 47 2.7

Arkansas 658 100.0 7 1.1 650 98.9 7 1.1

California 9,355 100.0 200 2.1 9,155 97.9 200 2.1

Colorado 1,510 100.0 31 2.0 1,479 98.0 31 2.0

Connecticut 1,056 100.0 10 0.9 1,046 99.1 10 0.9

Delaware 262 100.0 5 1.8 257 98.2 5 1.8

District of Columbia 180 100.0 1 0.7 178 99.3 1 0.7

Florida 5,309 100.0 93 1.8 5,215 98.2 93 1.8

Georgia 2,248 100.0 13 0.6 2,235 99.4 13 0.6

Hawaii 313 100.0 4 1.2 310 98.8 4 1.2

Idaho 432 100.0 9 2.1 423 97.9 9 2.1

Illinois 3,546 100.0 54 1.5 3,492 98.5 54 1.5

Indiana 1,817 100.0 17 1.0 1,800 99.0 17 1.0

Iowa 932 100.0 15 1.6 917 98.4 15 1.6

Kansas 814 100.0 26 3.2 787 96.8 26 3.2

Kentucky 1,225 100.0 15 1.2 1,210 98.8 15 1.2

Louisiana 1,066 100.0 32 3.0 1,034 97.0 32 3.0

Maine 413 100.0 2 0.6 410 99.4 2 0.6

Maryland 1,528 100.0 5 0.3 1,523 99.7 5 0.3

Massachusetts 2,029 100.0 3 0.1 2,026 99.9 3 0.1

Michigan 2,824 100.0 21 0.8 2,802 99.2 21 0.8

Minnesota 1,763 100.0 13 0.8 1,750 99.2 13 0.8

Mississippi 696 100.0 17 2.5 679 97.5 17 2.5

Missouri 1,681 100.0 38 2.3 1,643 97.7 38 2.3

Montana 303 100.0 8 2.7 295 97.3 8 2.7

Nebraska 559 100.0 13 2.4 546 97.6 13 2.4

Nevada 600 100.0 14 2.4 586 97.6 14 2.4

New Hampshire 439 100.0 3 0.7 436 99.3 3 0.7

New Jersey 2,297 100.0 15 0.7 2,282 99.3 15 0.7

New Mexico 494 100.0 10 2.1 484 97.9 10 2.1

New York 5,159 100.0 14 0.3 5,145 99.7 14 0.3

North Carolina 2,579 100.0 25 1.0 2,554 99.0 25 1.0

North Dakota 210 100.0 4 2.1 206 97.9 4 2.1

Ohio 3,172 100.0 83 2.6 3,090 97.4 83 2.6

Oklahoma 935 100.0 11 1.2 924 98.8 11 1.2

Oregon 1,195 100.0 29 2.5 1,166 97.5 29 2.5

Pennsylvania 3,771 100.0 15 0.4 3,756 99.6 15 0.4

Rhode Island 304 100.0 1 0.2 304 99.8 1 0.2

South Carolina 1,219 100.0 28 2.3 1,190 97.7 28 2.3

South Dakota 236 100.0 3 1.1 233 98.9 3 1.1

Tennessee 1,818 100.0 24 1.3 1,794 98.7 24 1.3

Texas 5,309 100.0 75 1.4 5,234 98.6 75 1.4

Utah 694 100.0 17 2.4 677 97.6 17 2.4

Vermont 207 100.0 1 0.5 207 99.5 1 0.5

Virginia 2,138 100.0 36 1.7 2,102 98.3 36 1.7

Washington 2,012 100.0 125 6.2 1,887 93.8 125 6.2

West Virginia 505 100.0 4 0.8 501 99.2 4 0.8

Wisconsin 1,823 100.0 37 2.0 1,786 98.0 37 2.0

Wyoming 167 100.0 5 3.0 162 97.0 5 3.0

Notes:

Figures do not always reconcile to totals because of rounding.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table B-25 Timing of Households’ Use of Pawnshops by State

Geography

All U.S. Households

Timing of Pawnshop Usea Memo Items

In Last 30 Days

In Last 2-12 

Months

Not in the Last 12 

Months Never Used Unknown

Pawnshop Use in 

the Last Year

Ever Used 

Pawnshop

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

All U.S. Households 120,408 100.0 911 0.8 2,609 2.2 5,438 4.5 108,283 89.9 3,166 2.6 3,520 2.9 8,958 7.4

Alabama 1,889 100.0 10 0.5 87 4.6 117 6.2 1,644 87.1 30 1.6 97 5.1 215 11.4

Alaska 276 100.0 4 1.5 7 2.4 21 7.5 237 85.8 8 2.9 11 3.8 31 11.3

Arizona 2,622 100.0 30 1.1 105 4.0 126 4.8 2,321 88.5 41 1.6 134 5.1 260 9.9

Arkansas 1,142 100.0 21 1.8 35 3.0 86 7.5 981 85.9 20 1.7 56 4.9 142 12.4

California 13,191 100.0 64 0.5 178 1.3 519 3.9 12,013 91.1 417 3.2 242 1.8 762 5.8

Colorado 1,974 100.0 22 1.1 42 2.1 124 6.3 1,743 88.3 42 2.1 65 3.3 189 9.6

Connecticut 1,365 100.0 8 0.6 19 1.4 42 3.1 1,270 93.1 25 1.8 27 2.0 70 5.1

Delaware 346 100.0 1 0.2 2 0.7 6 1.9 329 95.3 7 2.0 3 0.9 10 2.8

District of Columbia 281 100.0 2 0.6 4 1.6 8 2.7 259 92.2 8 2.9 6 2.2 14 4.9

Florida 7,801 100.0 48 0.6 185 2.4 302 3.9 6,962 89.2 304 3.9 233 3.0 535 6.9

Georgia 3,834 100.0 52 1.4 142 3.7 239 6.2 3,284 85.7 118 3.1 194 5.0 432 11.3

Hawaii 443 100.0 2 0.4 2 0.4 19 4.2 402 90.8 18 4.1 4 0.8 23 5.1

Idaho 589 100.0 8 1.3 14 2.3 40 6.8 521 88.5 6 1.1 21 3.6 62 10.4

Illinois 4,956 100.0 12 0.2 64 1.3 185 3.7 4,567 92.2 128 2.6 76 1.5 261 5.3

Indiana 2,560 100.0 13 0.5 39 1.5 108 4.2 2,342 91.5 58 2.3 52 2.0 160 6.3

Iowa 1,244 100.0 1 0.1 22 1.8 56 4.5 1,129 90.8 35 2.8 23 1.9 80 6.4

Kansas 1,136 100.0 15 1.3 29 2.6 65 5.7 1,009 88.9 18 1.6 44 3.9 109 9.6

Kentucky 1,819 100.0 20 1.1 43 2.4 98 5.4 1,630 89.6 28 1.5 63 3.5 161 8.9

Louisiana 1,816 100.0 3 0.2 33 1.8 86 4.8 1,650 90.9 43 2.4 37 2.0 123 6.8

Maine 546 100.0 3 0.6 13 2.4 38 7.0 485 88.8 6 1.1 16 3.0 55 10.0

Maryland 2,170 100.0 16 0.8 27 1.2 68 3.1 2,017 93.0 41 1.9 44 2.0 112 5.2

Massachusetts 2,614 100.0 11 0.4 26 1.0 82 3.1 2,431 93.0 64 2.4 37 1.4 119 4.6

Michigan 3,969 100.0 26 0.7 70 1.8 166 4.2 3,576 90.1 131 3.3 96 2.4 262 6.6

Minnesota 2,163 100.0 10 0.5 30 1.4 67 3.1 2,017 93.2 39 1.8 40 1.9 107 4.9

Mississippi 1,143 100.0 8 0.7 34 3.0 44 3.8 1,043 91.2 15 1.3 42 3.7 86 7.5

Missouri 2,490 100.0 4 0.1 61 2.4 165 6.6 2,214 88.9 48 1.9 64 2.6 229 9.2

Montana 426 100.0 10 2.4 22 5.1 28 6.7 358 84.0 8 1.8 32 7.4 60 14.1

Nebraska 734 100.0 6 0.9 12 1.7 32 4.4 673 91.8 10 1.3 19 2.5 51 6.9

Nevada 1,035 100.0 14 1.4 39 3.7 58 5.6 882 85.3 42 4.0 53 5.1 111 10.7

New Hampshire 526 100.0 2 0.3 5 1.0 9 1.8 500 95.1 9 1.7 7 1.4 17 3.2

New Jersey 3,202 100.0 22 0.7 33 1.0 94 2.9 3,018 94.3 36 1.1 55 1.7 148 4.6

New Mexico 816 100.0 9 1.1 15 1.9 36 4.4 734 90.0 22 2.7 24 2.9 59 7.3

New York 7,677 100.0 20 0.3 61 0.8 223 2.9 7,093 92.4 279 3.6 82 1.1 304 4.0

North Carolina 3,878 100.0 39 1.0 100 2.6 187 4.8 3,451 89.0 101 2.6 139 3.6 326 8.4

North Dakota 283 100.0 1 0.4 6 2.1 12 4.3 259 91.6 4 1.6 7 2.5 19 6.8

Ohio 4,719 100.0 37 0.8 64 1.4 183 3.9 4,247 90.0 188 4.0 101 2.1 284 6.0

Oklahoma 1,503 100.0 11 0.8 73 4.8 120 8.0 1,258 83.7 41 2.7 84 5.6 204 13.6

Oregon 1,522 100.0 11 0.7 34 2.2 105 6.9 1,345 88.3 29 1.9 44 2.9 149 9.8

Pennsylvania 5,161 100.0 27 0.5 74 1.4 174 3.4 4,758 92.2 128 2.5 101 2.0 276 5.3

Rhode Island 423 100.0 3 0.6 10 2.5 8 1.9 390 92.0 13 3.0 13 3.1 21 5.0

South Carolina 1,787 100.0 9 0.5 45 2.5 106 5.9 1,590 89.0 37 2.1 54 3.0 160 8.9

South Dakota 329 100.0 6 1.8 9 2.8 21 6.4 290 87.9 3 1.0 15 4.7 36 11.1

Tennessee 2,605 100.0 35 1.3 88 3.4 157 6.0 2,294 88.1 31 1.2 123 4.7 280 10.7

Texas 9,136 100.0 155 1.7 394 4.3 614 6.7 7,782 85.2 191 2.1 549 6.0 1,163 12.7

Utah 926 100.0 4 0.5 20 2.1 51 5.6 847 91.4 4 0.4 24 2.6 75 8.1

Vermont 269 100.0 1 0.3 1 0.5 6 2.3 256 95.1 5 1.8 2 0.8 8 3.0

Virginia 3,008 100.0 23 0.8 45 1.5 71 2.4 2,713 90.2 155 5.2 69 2.3 139 4.6

Washington 2,748 100.0 27 1.0 89 3.3 141 5.1 2,424 88.2 67 2.4 116 4.2 257 9.4

West Virginia 762 100.0 5 0.7 22 2.9 45 5.9 665 87.3 25 3.3 27 3.5 72 9.5

Wisconsin 2,316 100.0 16 0.7 28 1.2 59 2.6 2,177 94.0 36 1.6 44 1.9 103 4.4

Wyoming 236 100.0 2 0.9 6 2.5 19 8.2 202 85.6 6 2.7 8 3.5 28 11.7

Notes:

Figures do not always reconcile to totals because of rounding.

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table B-26 Timing of Unbanked Households’ Use of Pawnshops by State

Geography

All Unbanked 

Households

Timing of Pawnshop Usea Memo Items

In Last 30 Days

In Last 2-12 

Months

Not in the Last 12 

Months Never Used Unknown

Pawnshop Use in 

the Last Year

Ever Used 

Pawnshop

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

All Unbanked Households 9,875 100.0 267 2.7 774 7.8 992 10.0 7,197 72.9 645 6.5 1,041 10.5 2,033 20.6

Alabama 193 100.0 3 1.7 42 22.0 27 13.8 117 60.6 4 1.9 46 23.7 72 37.6

Alaska 14 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Arizona 304 100.0 16 5.2 51 16.8 18 5.9 205 67.4 14 4.7 67 22.0 85 27.8

Arkansas 141 100.0 8 5.7 6 4.5 10 7.4 107 76.0 9 6.4 14 10.1 25 17.6

California 1,030 100.0 7 0.7 53 5.1 65 6.3 816 79.2 89 8.7 60 5.9 125 12.1

Colorado 107 100.0 8 7.0 7 6.1 16 14.7 71 66.2 6 6.0 14 13.1 30 27.8

Connecticut 73 100.0 2 2.1 4 6.0 5 6.2 58 80.2 4 5.5 6 8.1 10 14.3

Delaware 23 100.0 - - 1 4.4 1 6.0 19 83.8 1 5.8 1 4.4 2 10.4

District of Columbia 31 100.0 0 1.0 0 1.5 2 6.8 26 84.3 2 6.5 1 2.5 3 9.2

Florida 570 100.0 8 1.5 33 5.9 32 5.7 433 76.0 63 11.0 42 7.3 74 13.0

Georgia 442 100.0 9 2.0 32 7.2 55 12.4 323 72.9 24 5.5 40 9.1 95 21.6

Hawaii 17 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Idaho 33 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Illinois 374 100.0 4 1.0 21 5.6 27 7.2 296 79.2 26 7.0 25 6.6 52 13.8

Indiana 201 100.0 - - 20 10.2 23 11.6 141 70.5 16 7.8 20 10.2 44 21.7

Iowa 54 100.0 - - 4 8.2 7 13.6 40 72.9 3 5.2 4 8.2 12 21.8

Kansas 81 100.0 3 4.1 6 7.5 20 24.8 47 58.3 4 5.3 9 11.6 29 36.4

Kentucky 179 100.0 11 6.0 11 5.9 23 13.1 126 70.5 8 4.5 21 11.9 45 25.0

Louisiana 209 100.0 - - 7 3.2 24 11.5 164 78.6 14 6.7 7 3.2 31 14.7

Maine 20 100.0 1 2.8 2 9.0 5 24.8 12 56.6 1 6.7 2 11.9 8 36.7

Maryland 123 100.0 - - 8 6.5 8 6.4 102 83.5 4 3.6 8 6.5 16 12.9

Massachusetts 128 100.0 7 5.6 6 4.7 16 12.5 94 73.5 5 3.8 13 10.3 29 22.7

Michigan 307 100.0 16 5.3 9 2.8 36 11.7 229 74.5 18 5.8 25 8.1 61 19.8

Minnesota 90 100.0 5 6.0 3 3.9 4 4.0 71 79.4 6 6.7 9 9.8 12 13.8

Mississippi 173 100.0 5 3.1 11 6.3 16 9.3 134 77.4 7 3.8 16 9.4 32 18.8

Missouri 237 100.0 - - 24 10.1 39 16.4 168 70.7 7 2.8 24 10.1 63 26.5

Montana 21 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Nebraska 27 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Nevada 77 100.0 6 8.4 10 13.4 9 11.4 41 52.5 11 14.2 17 21.9 26 33.2

New Hampshire 10 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

New Jersey 212 100.0 7 3.3 10 4.8 17 8.0 177 83.8 - - 17 8.1 34 16.2

New Mexico 94 100.0 3 3.1 7 7.8 5 5.4 78 83.7 - - 10 10.8 15 16.3

New York 740 100.0 8 1.0 20 2.7 69 9.3 600 81.1 44 5.9 28 3.8 96 13.0

North Carolina 359 100.0 15 4.0 22 6.1 26 7.2 271 75.3 27 7.4 36 10.1 62 17.3

North Dakota 15 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Ohio 414 100.0 15 3.7 21 5.1 29 7.1 293 70.8 55 13.3 36 8.8 66 15.9

Oklahoma 164 100.0 4 2.2 34 21.0 9 5.5 115 70.2 2 1.1 38 23.2 47 28.7

Oregon 65 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Pennsylvania 315 100.0 - - 31 10.0 28 8.9 232 73.4 24 7.7 31 10.0 59 18.8

Rhode Island 30 100.0 1 3.4 2 7.8 1 2.2 24 81.8 1 4.9 3 11.1 4 13.3

South Carolina 166 100.0 - - 11 6.7 18 10.8 122 73.5 15 9.0 11 6.7 29 17.5

South Dakota 15 100.0 1 9.0 3 21.3 1 8.1 8 57.3 1 4.5 4 30.2 6 38.3

Tennessee 283 100.0 15 5.3 25 8.9 69 24.5 165 58.2 8 3.0 40 14.3 110 38.8

Texas 1,167 100.0 46 4.0 161 13.8 153 13.1 746 63.9 61 5.2 207 17.8 360 30.9

Utah 26 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Vermont 9 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NA

Virginia 199 100.0 5 2.7 6 3.1 - - 166 83.5 21 10.6 12 5.8 12 5.8

Washington 123 100.0 6 4.7 16 12.6 15 12.6 67 54.4 19 15.8 21 17.3 37 29.8

West Virginia 72 100.0 3 4.7 6 8.5 13 17.6 49 67.3 1 1.9 10 13.1 22 30.8

Wisconsin 105 100.0 3 2.9 3 2.7 5 4.9 89 84.4 5 5.1 6 5.6 11 10.5

Wyoming 14 100.0 1 6.9 2 16.5 2 17.2 7 54.6 1 4.8 3 23.4 6 40.6

Notes:

Figures do not always reconcile to totals because of rounding.

NA = Not available because the sample size was too small to make an accurate estimate.

- = For this table cell, there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that the true value is only slightly greater than zero.

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as 

having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 

months. The unknown category includes only households that did not know whether they had ever used AFS.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table B-27 Timing of Underbanked Households’ Use of Pawnshops by State

Geography

All Underbanked 

Households

Timing of Pawnshop Usea Memo Items

In Last 30 Days

In Last 2-12 

Months

Not in the Last 12 

Months Never Used Unknown

Pawnshop Use in 

the Last Year

Ever Used 

Pawnshop

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

All Underbanked Households 24,199 100.0 644 2.7 1,835 7.6 2,238 9.2 19,297 79.7 186 0.8 2,479 10.2 4,717 19.5

Alabama 544 100.0 7 1.2 45 8.2 52 9.6 441 81.0 - - 51 9.5 104 19.0

Alaska 56 100.0 3 5.5 6 10.0 10 18.1 37 66.5 - - 9 15.4 19 33.5

Arizona 537 100.0 14 2.6 53 10.0 74 13.8 396 73.6 - - 68 12.6 142 26.4

Arkansas 321 100.0 13 4.0 28 8.8 36 11.3 244 75.9 - - 41 12.9 78 24.1

California 2,374 100.0 57 2.4 125 5.3 254 10.7 1,919 80.8 19 0.8 182 7.7 436 18.4

Colorado 317 100.0 15 4.7 36 11.3 51 16.2 212 66.7 3 1.1 51 16.0 102 32.2

Connecticut 208 100.0 7 3.2 15 7.1 17 8.2 168 80.8 1 0.7 22 10.3 39 18.5

Delaware 54 100.0 1 1.5 1 2.4 1 1.7 50 93.2 1 1.2 2 4.0 3 5.6

District of Columbia 63 100.0 1 2.1 4 6.4 2 3.9 54 86.9 0 0.6 5 8.5 8 12.5

Florida 1,645 100.0 40 2.4 151 9.2 99 6.0 1,340 81.5 15 0.9 191 11.6 290 17.6

Georgia 1,026 100.0 43 4.2 110 10.7 85 8.3 778 75.8 10 1.0 153 14.9 238 23.2

Hawaii 89 100.0 2 2.1 2 2.1 3 3.7 82 92.1 - - 4 4.2 7 7.9

Idaho 112 100.0 4 3.8 11 10.0 16 14.6 80 71.6 - - 15 13.8 32 28.4

Illinois 879 100.0 8 0.9 43 4.9 67 7.6 758 86.2 3 0.4 51 5.8 118 13.4

Indiana 489 100.0 13 2.6 19 3.9 59 12.0 398 81.4 - - 32 6.5 91 18.6

Iowa 215 100.0 1 0.7 18 8.2 22 10.1 171 79.7 3 1.3 19 8.9 41 19.0

Kansas 223 100.0 11 5.1 23 10.3 20 9.1 166 74.1 3 1.4 34 15.4 55 24.5

Kentucky 391 100.0 10 2.5 32 8.3 34 8.7 312 79.8 3 0.7 42 10.8 76 19.5

Louisiana 495 100.0 3 0.6 27 5.4 37 7.6 427 86.4 - - 30 6.1 67 13.6

Maine 104 100.0 3 2.6 11 10.8 10 10.0 79 76.0 1 0.6 14 13.4 24 23.4

Maryland 461 100.0 16 3.6 19 4.1 27 5.8 398 86.5 - - 36 7.7 62 13.5

Massachusetts 369 100.0 4 1.1 20 5.4 34 9.2 311 84.2 - - 24 6.5 58 15.8

Michigan 685 100.0 10 1.5 61 9.0 48 7.1 553 80.8 12 1.7 72 10.4 120 17.5

Minnesota 272 100.0 5 1.8 26 9.7 27 9.8 209 76.7 5 2.0 31 11.5 58 21.4

Mississippi 269 100.0 3 1.0 23 8.5 7 2.5 234 87.0 3 1.0 26 9.5 32 12.0

Missouri 514 100.0 4 0.7 37 7.1 71 13.8 393 76.5 10 1.9 40 7.8 111 21.6

Montana 93 100.0 9 9.3 18 19.6 8 8.9 57 60.7 1 1.4 27 29.0 35 37.9

Nebraska 130 100.0 5 3.7 9 6.5 14 11.0 102 78.1 1 0.7 13 10.3 28 21.3

Nevada 323 100.0 8 2.3 28 8.8 31 9.5 249 77.2 7 2.3 36 11.1 66 20.6

New Hampshire 66 100.0 2 2.7 4 6.7 1 2.0 58 87.9 0 0.7 6 9.4 7 11.4

New Jersey 621 100.0 15 2.3 23 3.7 50 8.1 525 84.6 8 1.3 37 6.0 87 14.1

New Mexico 193 100.0 6 3.0 8 4.1 22 11.4 157 81.5 - - 14 7.1 36 18.5

New York 1,487 100.0 13 0.9 41 2.8 75 5.1 1,331 89.5 27 1.8 54 3.6 129 8.7

North Carolina 840 100.0 25 2.9 78 9.3 78 9.3 660 78.5 - - 102 12.2 180 21.5

North Dakota 51 100.0 1 2.1 5 9.3 3 6.0 42 82.6 - - 6 11.4 9 17.4

Ohio 912 100.0 21 2.3 43 4.7 90 9.9 751 82.3 7 0.7 65 7.1 155 16.9

Oklahoma 349 100.0 8 2.2 38 10.9 47 13.6 256 73.3 - - 46 13.2 93 26.7

Oregon 219 100.0 4 2.0 29 13.3 27 12.2 156 71.4 2 1.1 33 15.3 60 27.5

Pennsylvania 931 100.0 27 2.9 43 4.6 82 8.8 775 83.2 4 0.4 70 7.5 152 16.3

Rhode Island 75 100.0 2 2.2 8 10.8 4 4.9 61 80.8 1 1.3 10 13.0 14 17.9

South Carolina 369 100.0 9 2.4 34 9.2 42 11.5 283 76.9 - - 43 11.6 85 23.1

South Dakota 72 100.0 5 6.6 6 8.5 12 16.1 50 68.9 - - 11 15.1 23 31.1

Tennessee 473 100.0 20 4.2 63 13.3 56 11.8 330 69.8 4 0.9 83 17.5 139 29.3

Texas 2,481 100.0 109 4.4 233 9.4 277 11.2 1,851 74.6 10 0.4 342 13.8 619 24.9

Utah 195 100.0 4 2.3 18 9.1 34 17.7 138 71.0 - - 22 11.4 56 29.0

Vermont 47 100.0 1 1.5 1 2.0 2 4.8 43 90.9 0 0.8 2 3.6 4 8.3

Virginia 503 100.0 18 3.6 39 7.7 19 3.8 416 82.7 11 2.2 57 11.3 76 15.1

Washington 533 100.0 21 4.0 74 13.9 44 8.3 391 73.4 3 0.5 95 17.8 139 26.1

West Virginia 146 100.0 2 1.3 16 10.7 20 14.0 105 71.9 3 2.2 17 12.0 38 26.0

Wisconsin 329 100.0 13 3.9 25 7.7 25 7.7 263 79.8 3 1.0 38 11.5 63 19.2

Wyoming 50 100.0 1 2.5 4 7.5 8 15.6 37 73.6 0 0.8 5 10.0 13 25.6

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell, there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that the true value is only slightly greater than zero.

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table B-28 Timing of Fully Banked Households’ Use of Pawnshops by State

Geography

All Fully Banked 

Households

Timing of Pawnshop Use Memo Item

Not in the Last 12 Months Never Used Ever Used Pawnshop

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

All Fully Banked Households 82,830 100.0 2,160 2.6 80,669 97.4 2,160 2.6

Alabama 1,099 100.0 39 3.5 1,060 96.5 39 3.5

Alaska 196 100.0 9 4.4 188 95.6 9 4.4

Arizona 1,734 100.0 34 2.0 1,700 98.0 34 2.0

Arkansas 658 100.0 39 6.0 618 94.0 39 6.0

California 9,355 100.0 200 2.1 9,155 97.9 200 2.1

Colorado 1,510 100.0 57 3.8 1,453 96.2 57 3.8

Connecticut 1,056 100.0 21 1.9 1,035 98.1 21 1.9

Delaware 262 100.0 4 1.6 258 98.4 4 1.6

District of Columbia 180 100.0 3 1.7 177 98.3 3 1.7

Florida 5,309 100.0 165 3.1 5,144 96.9 165 3.1

Georgia 2,248 100.0 94 4.2 2,154 95.8 94 4.2

Hawaii 313 100.0 11 3.7 302 96.3 11 3.7

Idaho 432 100.0 17 4.0 415 96.0 17 4.0

Illinois 3,546 100.0 92 2.6 3,455 97.4 92 2.6

Indiana 1,817 100.0 26 1.4 1,791 98.6 26 1.4

Iowa 932 100.0 27 2.9 905 97.1 27 2.9

Kansas 814 100.0 25 3.0 789 97.0 25 3.0

Kentucky 1,225 100.0 40 3.3 1,185 96.7 40 3.3

Louisiana 1,066 100.0 25 2.3 1,041 97.7 25 2.3

Maine 413 100.0 23 5.5 390 94.5 23 5.5

Maryland 1,528 100.0 29 1.9 1,499 98.1 29 1.9

Massachusetts 2,029 100.0 32 1.6 1,997 98.4 32 1.6

Michigan 2,824 100.0 82 2.9 2,742 97.1 82 2.9

Minnesota 1,763 100.0 36 2.1 1,727 97.9 36 2.1

Mississippi 696 100.0 21 3.0 675 97.0 21 3.0

Missouri 1,681 100.0 55 3.3 1,625 96.7 55 3.3

Montana 303 100.0 15 4.9 288 95.1 15 4.9

Nebraska 559 100.0 16 2.9 543 97.1 16 2.9

Nevada 600 100.0 19 3.1 581 96.9 19 3.1

New Hampshire 439 100.0 7 1.6 432 98.4 7 1.6

New Jersey 2,297 100.0 27 1.2 2,270 98.8 27 1.2

New Mexico 494 100.0 5 1.1 489 98.9 5 1.1

New York 5,159 100.0 79 1.5 5,080 98.5 79 1.5

North Carolina 2,579 100.0 84 3.2 2,495 96.8 84 3.2

North Dakota 210 100.0 6 3.0 204 97.0 6 3.0

Ohio 3,172 100.0 60 1.9 3,112 98.1 60 1.9

Oklahoma 935 100.0 60 6.5 875 93.5 60 6.5

Oregon 1,195 100.0 57 4.7 1,139 95.3 57 4.7

Pennsylvania 3,771 100.0 64 1.7 3,707 98.3 64 1.7

Rhode Island 304 100.0 4 1.3 300 98.7 4 1.3

South Carolina 1,219 100.0 46 3.7 1,173 96.3 46 3.7

South Dakota 236 100.0 8 3.2 228 96.8 8 3.2

Tennessee 1,818 100.0 31 1.7 1,787 98.3 31 1.7

Texas 5,309 100.0 185 3.5 5,124 96.5 185 3.5

Utah 694 100.0 9 1.3 684 98.7 9 1.3

Vermont 207 100.0 3 1.5 204 98.5 3 1.5

Virginia 2,138 100.0 48 2.2 2,090 97.8 48 2.2

Washington 2,012 100.0 75 3.7 1,937 96.3 75 3.7

West Virginia 505 100.0 12 2.4 493 97.6 12 2.4

Wisconsin 1,823 100.0 26 1.4 1,797 98.6 26 1.4

Wyoming 167 100.0 9 5.6 157 94.4 9 5.6

Notes:

Figures do not always reconcile to totals because of rounding.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table B-29 Timing of Households’ Use of Rent-to-Own Agreements by State

Geography

All U.S. Households

Timing of Rent-to-Own Usea Memo Item

In the Last Year

Not Used in the Last 

Year Never Used Unknown

Ever Used Rent-to-Own 

Agreements

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

All U.S. Households 120,408 100.0 1,814 1.5 3,821 3.2 111,551 92.6 3,222 2.7 5,635 4.7

Alabama 1,889 100.0 51 2.7 70 3.7 1,731 91.6 37 1.9 121 6.4

Alaska 276 100.0 2 0.7 9 3.4 257 93.1 8 2.9 11 4.0

Arizona 2,622 100.0 39 1.5 96 3.7 2,438 93.0 49 1.9 135 5.1

Arkansas 1,142 100.0 46 4.0 66 5.8 1,002 87.7 28 2.5 112 9.8

California 13,191 100.0 98 0.7 233 1.8 12,457 94.4 404 3.1 331 2.5

Colorado 1,974 100.0 20 1.0 78 3.9 1,838 93.1 38 1.9 98 5.0

Connecticut 1,365 100.0 18 1.3 29 2.1 1,294 94.8 24 1.7 47 3.4

Delaware 346 100.0 2 0.7 9 2.6 327 94.7 7 2.1 11 3.2

District of Columbia 281 100.0 1 0.4 3 1.1 268 95.5 9 3.1 4 1.4

Florida 7,801 100.0 77 1.0 259 3.3 7,143 91.6 321 4.1 336 4.3

Georgia 3,834 100.0 88 2.3 175 4.6 3,458 90.2 113 2.9 263 6.9

Hawaii 443 100.0 7 1.5 15 3.5 400 90.4 20 4.6 22 5.0

Idaho 589 100.0 8 1.4 22 3.8 553 93.7 6 1.1 30 5.2

Illinois 4,956 100.0 50 1.0 159 3.2 4,610 93.0 137 2.8 209 4.2

Indiana 2,560 100.0 66 2.6 114 4.5 2,322 90.7 58 2.3 180 7.0

Iowa 1,244 100.0 26 2.1 44 3.6 1,139 91.6 35 2.8 70 5.6

Kansas 1,136 100.0 30 2.6 56 4.9 1,033 91.0 16 1.4 86 7.6

Kentucky 1,819 100.0 37 2.0 86 4.7 1,671 91.8 26 1.4 123 6.7

Louisiana 1,816 100.0 36 2.0 91 5.0 1,645 90.6 43 2.4 127 7.0

Maine 546 100.0 26 4.7 33 6.1 480 87.9 7 1.3 59 10.8

Maryland 2,170 100.0 9 0.4 34 1.5 2,079 95.8 49 2.3 43 2.0

Massachusetts 2,614 100.0 15 0.6 48 1.8 2,493 95.4 59 2.3 63 2.4

Michigan 3,969 100.0 62 1.6 154 3.9 3,630 91.5 122 3.1 216 5.4

Minnesota 2,163 100.0 2 0.1 43 2.0 2,079 96.1 39 1.8 45 2.1

Mississippi 1,143 100.0 21 1.9 59 5.2 1,047 91.6 15 1.3 81 7.1

Missouri 2,490 100.0 50 2.0 118 4.8 2,270 91.1 52 2.1 169 6.8

Montana 426 100.0 4 1.0 20 4.7 393 92.4 8 1.8 24 5.7

Nebraska 734 100.0 7 1.0 13 1.8 702 95.7 11 1.5 20 2.8

Nevada 1,035 100.0 3 0.2 39 3.8 958 92.6 35 3.4 42 4.0

New Hampshire 526 100.0 4 0.8 16 3.1 497 94.5 8 1.6 21 3.9

New Jersey 3,202 100.0 35 1.1 46 1.4 3,090 96.5 31 1.0 81 2.5

New Mexico 816 100.0 8 1.0 26 3.2 759 93.1 22 2.7 34 4.2

New York 7,677 100.0 85 1.1 123 1.6 7,191 93.7 279 3.6 207 2.7

North Carolina 3,878 100.0 55 1.4 86 2.2 3,634 93.7 104 2.7 141 3.6

North Dakota 283 100.0 3 1.1 5 1.8 270 95.5 5 1.7 8 2.8

Ohio 4,719 100.0 122 2.6 218 4.6 4,177 88.5 201 4.3 340 7.2

Oklahoma 1,503 100.0 17 1.1 65 4.3 1,380 91.8 41 2.7 82 5.4

Oregon 1,522 100.0 24 1.6 68 4.5 1,403 92.1 28 1.8 92 6.0

Pennsylvania 5,161 100.0 93 1.8 145 2.8 4,794 92.9 129 2.5 238 4.6

Rhode Island 423 100.0 6 1.3 13 3.0 394 92.9 11 2.7 19 4.4

South Carolina 1,787 100.0 52 2.9 54 3.0 1,642 91.9 39 2.2 106 5.9

South Dakota 329 100.0 9 2.7 10 3.2 305 92.6 5 1.5 19 5.9

Tennessee 2,605 100.0 39 1.5 96 3.7 2,438 93.6 32 1.2 135 5.2

Texas 9,136 100.0 244 2.7 394 4.3 8,327 91.1 171 1.9 638 7.0

Utah 926 100.0 9 1.0 21 2.3 894 96.5 2 0.2 30 3.3

Vermont 269 100.0 5 2.0 7 2.6 253 94.2 3 1.2 12 4.6

Virginia 3,008 100.0 55 1.8 80 2.7 2,691 89.5 181 6.0 136 4.5

Washington 2,748 100.0 17 0.6 91 3.3 2,570 93.5 70 2.6 108 3.9

West Virginia 762 100.0 15 1.9 24 3.2 696 91.3 27 3.6 39 5.1

Wisconsin 2,316 100.0 9 0.4 43 1.8 2,219 95.8 46 2.0 52 2.2

Wyoming 236 100.0 6 2.7 13 5.4 210 89.0 7 2.9 19 8.2

Notes:

Figures do not always reconcile to totals because of rounding.

a Households are categorized by their most recent known use of AFS. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized 

as having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table B-30 Timing of Unbanked Households’ Use of Rent-to-Own Agreements by State

Geography

All Unbanked Households

Timing of Rent-to-Own Usea Memo Item

In the Last Year

Not Used in the Last 

Year Never Used Unknown

Ever Used Rent-to-Own 

Agreements

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

All Unbanked Households 9,875 100.0 502 5.1 664 6.7 8,055 81.6 653 6.6 1,167 11.8

Alabama 193 100.0 11 5.5 29 14.8 150 77.8 4 1.9 39 20.3

Alaska 14 100.0 NA NA NA NA NA NA NA NA NA NA

Arizona 304 100.0 15 4.9 10 3.4 264 87.0 14 4.7 25 8.2

Arkansas 141 100.0 11 8.0 13 9.2 104 74.1 12 8.8 24 17.2

California 1,030 100.0 52 5.1 25 2.4 874 84.9 79 7.6 77 7.5

Colorado 107 100.0 4 3.8 10 9.3 86 80.9 6 6.0 14 13.1

Connecticut 73 100.0 3 3.8 3 4.1 63 86.6 4 5.5 6 7.9

Delaware 23 100.0 0 1.8 2 9.2 19 81.3 2 7.8 3 10.9

District of Columbia 31 100.0 0 1.5 1 3.4 27 88.6 2 6.5 1 4.9

Florida 570 100.0 - - 24 4.2 483 84.8 63 11.0 24 4.2

Georgia 442 100.0 21 4.7 41 9.2 352 79.6 29 6.5 62 13.9

Hawaii 17 100.0 NA NA NA NA NA NA NA NA NA NA

Idaho 33 100.0 NA NA NA NA NA NA NA NA NA NA

Illinois 374 100.0 15 3.9 22 5.8 304 81.2 34 9.1 36 9.6

Indiana 201 100.0 4 1.9 29 14.3 152 76.0 16 7.8 33 16.3

Iowa 54 100.0 4 8.2 6 10.4 41 76.2 3 5.2 10 18.6

Kansas 81 100.0 11 13.2 11 14.1 54 67.4 4 5.3 22 27.3

Kentucky 179 100.0 10 5.5 24 13.5 137 76.5 8 4.5 34 19.0

Louisiana 209 100.0 5 2.3 17 8.0 168 80.6 19 9.1 22 10.3

Maine 20 100.0 3 16.6 3 12.5 13 64.2 1 6.7 6 29.2

Maryland 123 100.0 - - 2 1.8 113 92.3 7 5.9 2 1.8

Massachusetts 128 100.0 4 3.4 12 9.5 112 87.1 - - 17 12.9

Michigan 307 100.0 13 4.1 38 12.4 243 79.1 14 4.4 51 16.5

Minnesota 90 100.0 - - 7 7.8 78 87.5 4 4.7 7 7.8

Mississippi 173 100.0 5 2.7 28 16.0 131 75.7 10 5.6 32 18.7

Missouri 237 100.0 25 10.5 19 8.0 187 78.7 7 2.8 44 18.5

Montana 21 100.0 NA NA NA NA NA NA NA NA NA NA

Nebraska 27 100.0 NA NA NA NA NA NA NA NA NA NA

Nevada 77 100.0 - - 4 4.6 63 81.1 11 14.2 4 4.6

New Hampshire 10 100.0 NA NA NA NA NA NA NA NA NA NA

New Jersey 212 100.0 10 4.6 18 8.7 180 84.9 4 1.7 28 13.4

New Mexico 94 100.0 - - 2 2.5 91 97.5 - - 2 2.5

New York 740 100.0 44 6.0 18 2.5 640 86.5 38 5.1 62 8.4

North Carolina 359 100.0 4 1.1 4 1.0 328 91.3 24 6.7 7 2.1

North Dakota 15 100.0 NA NA NA NA NA NA NA NA NA NA

Ohio 414 100.0 39 9.4 42 10.1 282 68.2 51 12.3 81 19.5

Oklahoma 164 100.0 6 3.8 7 4.5 149 90.6 2 1.1 14 8.3

Oregon 65 100.0 NA NA NA NA NA NA NA NA NA NA

Pennsylvania 315 100.0 11 3.6 12 3.9 264 83.8 28 8.7 24 7.5

Rhode Island 30 100.0 0 1.4 3 11.1 24 81.2 2 6.3 4 12.5

South Carolina 166 100.0 6 3.5 16 9.6 129 77.9 15 9.0 22 13.2

South Dakota 15 100.0 1 8.8 1 4.7 12 82.0 1 4.5 2 13.5

Tennessee 283 100.0 17 6.0 38 13.3 219 77.4 9 3.3 54 19.3

Texas 1,167 100.0 96 8.2 58 5.0 956 81.9 57 4.9 154 13.2

Utah 26 100.0 NA NA NA NA NA NA NA NA NA NA

Vermont 9 100.0 NA NA NA NA NA NA NA NA NA NA

Virginia 199 100.0 19 9.5 14 7.0 131 65.9 35 17.6 33 16.5

Washington 123 100.0 13 10.7 3 2.5 91 74.2 16 12.6 16 13.2

West Virginia 72 100.0 8 11.6 4 6.0 58 80.5 1 1.9 13 17.6

Wisconsin 105 100.0 - - 6 5.3 91 86.6 8 8.1 6 5.3

Wyoming 14 100.0 3 22.2 1 9.9 9 63.1 1 4.8 4 32.1

Notes:

Figures do not always reconcile to totals because of rounding.

NA = Not available because the sample size was too small to make an accurate estimate.

- = For this table cell, there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that the true value is only slightly greater than zero.

a Households are categorized by their most recent known use of AFS. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized 

as having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table B-31 Timing of Underbanked Households’ Use of Rent-to-Own Agreements by State

Geography

All Underbanked 

Households

Timing of Rent-to-Own Usea Memo Item

In the Last Year

Not Used in the Last 

Year Never Used Unknown

Ever Used Rent-to-Own 

Agreements

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

All Underbanked Households 24,199 100.0 1,312 5.4 1,832 7.6 20,881 86.3 175 0.7 3,144 13.0

Alabama 544 100.0 41 7.5 34 6.2 466 85.7 4 0.7 74 13.7

Alaska 56 100.0 2 3.2 4 7.7 50 89.1 - - 6 10.9

Arizona 537 100.0 24 4.4 55 10.3 458 85.3 - - 79 14.7

Arkansas 321 100.0 35 10.7 28 8.7 256 79.5 4 1.1 62 19.4

California 2,374 100.0 46 1.9 129 5.4 2,182 91.9 18 0.8 174 7.3

Colorado 317 100.0 16 5.2 28 8.7 271 85.6 2 0.6 44 13.9

Connecticut 208 100.0 15 7.4 17 7.9 175 84.0 1 0.7 32 15.3

Delaware 54 100.0 2 3.4 4 7.2 47 88.1 1 1.2 6 10.7

District of Columbia 63 100.0 1 0.9 2 2.8 60 95.8 0 0.6 2 3.7

Florida 1,645 100.0 77 4.7 122 7.4 1,433 87.1 13 0.8 199 12.1

Georgia 1,026 100.0 68 6.6 95 9.2 864 84.2 - - 162 15.8

Hawaii 89 100.0 6 6.6 11 12.8 72 80.7 - - 17 19.3

Idaho 112 100.0 7 6.0 8 7.3 97 86.7 - - 15 13.3

Illinois 879 100.0 35 4.0 67 7.6 774 88.0 3 0.4 102 11.6

Indiana 489 100.0 62 12.7 48 9.9 379 77.5 - - 110 22.5

Iowa 215 100.0 21 10.0 23 10.6 168 78.2 3 1.3 44 20.6

Kansas 223 100.0 19 8.7 19 8.4 185 82.9 - - 38 17.1

Kentucky 391 100.0 27 7.0 29 7.5 332 84.9 3 0.7 56 14.4

Louisiana 495 100.0 31 6.4 36 7.2 428 86.5 - - 67 13.5

Maine 104 100.0 22 21.5 12 11.9 69 66.0 1 0.6 35 33.4

Maryland 461 100.0 9 2.0 19 4.1 433 93.9 - - 28 6.1

Massachusetts 369 100.0 10 2.8 19 5.1 340 92.1 - - 29 7.9

Michigan 685 100.0 50 7.2 54 8.0 573 83.6 8 1.2 104 15.2

Minnesota 272 100.0 2 0.7 9 3.4 256 93.9 5 2.0 11 4.1

Mississippi 269 100.0 17 6.2 21 7.8 232 86.0 - - 38 14.0

Missouri 514 100.0 25 4.9 61 11.9 418 81.3 10 1.9 86 16.8

Montana 93 100.0 4 3.9 4 4.7 85 90.7 1 0.7 8 8.6

Nebraska 130 100.0 5 3.9 7 5.1 118 90.4 1 0.7 12 8.9

Nevada 323 100.0 3 0.8 25 7.6 290 89.8 6 1.8 27 8.4

New Hampshire 66 100.0 4 6.7 4 6.7 57 86.7 - - 9 13.3

New Jersey 621 100.0 25 4.0 21 3.4 566 91.2 8 1.3 46 7.5

New Mexico 193 100.0 8 4.1 15 8.0 169 87.9 - - 23 12.1

New York 1,487 100.0 41 2.7 45 3.0 1,375 92.4 27 1.8 86 5.8

North Carolina 840 100.0 51 6.0 62 7.4 727 86.6 - - 113 13.4

North Dakota 51 100.0 3 5.9 1 1.9 47 92.2 - - 4 7.8

Ohio 912 100.0 84 9.2 113 12.4 711 78.0 4 0.4 197 21.6

Oklahoma 349 100.0 10 2.9 24 6.9 314 90.1 - - 35 9.9

Oregon 219 100.0 22 9.9 24 10.9 171 78.0 2 1.1 46 20.8

Pennsylvania 931 100.0 82 8.8 77 8.2 769 82.6 4 0.4 158 17.0

Rhode Island 75 100.0 5 7.0 6 7.9 63 83.9 1 1.3 11 14.9

South Carolina 369 100.0 46 12.5 22 6.1 300 81.4 - - 68 18.6

South Dakota 72 100.0 8 10.6 8 10.9 57 78.6 - - 16 21.4

Tennessee 473 100.0 22 4.8 51 10.8 395 83.5 4 0.9 74 15.6

Texas 2,481 100.0 149 6.0 239 9.7 2,084 84.0 8 0.3 388 15.6

Utah 195 100.0 7 3.8 9 4.8 178 91.3 - - 17 8.7

Vermont 47 100.0 5 10.8 3 6.4 39 82.8 - - 8 17.2

Virginia 503 100.0 36 7.2 34 6.9 415 82.4 18 3.5 71 14.1

Washington 533 100.0 4 0.7 52 9.8 470 88.3 7 1.2 56 10.5

West Virginia 146 100.0 6 4.3 8 5.5 129 88.1 3 2.2 14 9.8

Wisconsin 329 100.0 9 2.6 17 5.2 298 90.4 6 1.7 26 7.8

Wyoming 50 100.0 3 6.8 7 14.0 39 77.7 1 1.4 10 20.9

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell, there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that the true value is only slightly greater than zero.

a Households are categorized by their most recent known use of AFS. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table B-32 Timing of Fully Banked Households’ Use of Rent-to-Own Agreements by State

Geography

All Fully Banked Households

Timing of Rent-to-Own Use Memo Item

Not used in the last 12 

months Never Used

Ever Used Rent-to-Own 

Agreements

Households

(1,000s)

Row 

Pct

Households

(1,000s)

Row

Pct

Households

(1,000s)

Row

Pct Households (1,000s) Row Pct

All Fully Banked Households 82,830 100.0 1,294 1.6 81,536 98.4 1,294 1.6

Alabama 1,099 100.0 8 0.7 1,091 99.3 8 0.7

Alaska 196 100.0 4 2.3 192 97.7 4 2.3

Arizona 1,734 100.0 25 1.5 1,709 98.5 25 1.5

Arkansas 658 100.0 25 3.8 633 96.2 25 3.8

California 9,355 100.0 80 0.9 9,275 99.1 80 0.9

Colorado 1,510 100.0 40 2.7 1,470 97.3 40 2.7

Connecticut 1,056 100.0 9 0.9 1,046 99.1 9 0.9

Delaware 262 100.0 3 1.1 259 98.9 3 1.1

District of Columbia 180 100.0 0 0.1 179 99.9 0 0.1

Florida 5,309 100.0 108 2.0 5,200 98.0 108 2.0

Georgia 2,248 100.0 39 1.8 2,208 98.2 39 1.8

Hawaii 313 100.0 3 1.1 310 98.9 3 1.1

Idaho 432 100.0 8 1.8 424 98.2 8 1.8

Illinois 3,546 100.0 71 2.0 3,475 98.0 71 2.0

Indiana 1,817 100.0 37 2.0 1,780 98.0 37 2.0

Iowa 932 100.0 16 1.7 916 98.3 16 1.7

Kansas 814 100.0 25 3.0 789 97.0 25 3.0

Kentucky 1,225 100.0 32 2.6 1,193 97.4 32 2.6

Louisiana 1,066 100.0 35 3.3 1,032 96.7 35 3.3

Maine 413 100.0 18 4.3 395 95.7 18 4.3

Maryland 1,528 100.0 12 0.8 1,515 99.2 12 0.8

Massachusetts 2,029 100.0 17 0.8 2,012 99.2 17 0.8

Michigan 2,824 100.0 62 2.2 2,762 97.8 62 2.2

Minnesota 1,763 100.0 27 1.5 1,736 98.5 27 1.5

Mississippi 696 100.0 11 1.6 685 98.4 11 1.6

Missouri 1,681 100.0 38 2.3 1,642 97.7 38 2.3

Montana 303 100.0 12 3.9 291 96.1 12 3.9

Nebraska 559 100.0 7 1.2 553 98.8 7 1.2

Nevada 600 100.0 11 1.8 589 98.2 11 1.8

New Hampshire 439 100.0 10 2.4 428 97.6 10 2.4

New Jersey 2,297 100.0 6 0.3 2,290 99.7 6 0.3

New Mexico 494 100.0 7 1.4 487 98.6 7 1.4

New York 5,159 100.0 60 1.2 5,099 98.8 60 1.2

North Carolina 2,579 100.0 21 0.8 2,558 99.2 21 0.8

North Dakota 210 100.0 4 1.9 206 98.1 4 1.9

Ohio 3,172 100.0 62 2.0 3,110 98.0 62 2.0

Oklahoma 935 100.0 28 3.0 907 97.0 28 3.0

Oregon 1,195 100.0 25 2.1 1,170 97.9 25 2.1

Pennsylvania 3,771 100.0 56 1.5 3,716 98.5 56 1.5

Rhode Island 304 100.0 4 1.2 300 98.8 4 1.2

South Carolina 1,219 100.0 16 1.3 1,203 98.7 16 1.3

South Dakota 236 100.0 2 0.8 234 99.2 2 0.8

Tennessee 1,818 100.0 7 0.4 1,811 99.6 7 0.4

Texas 5,309 100.0 96 1.8 5,212 98.2 96 1.8

Utah 694 100.0 4 0.5 690 99.5 4 0.5

Vermont 207 100.0 3 1.3 205 98.7 3 1.3

Virginia 2,138 100.0 32 1.5 2,106 98.5 32 1.5

Washington 2,012 100.0 33 1.6 1,979 98.4 33 1.6

West Virginia 505 100.0 11 2.1 494 97.9 11 2.1

Wisconsin 1,823 100.0 20 1.1 1,803 98.9 20 1.1

Wyoming 167 100.0 5 2.7 162 97.3 5 2.7

Notes:

Figures do not always reconcile to totals because of rounding.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table B-33 Timing of Households’ Use of Refund Anticipation Loans by State

Geography

All U.S. Households

Timing of Refund Anticipation Loan Usea Memo Item

In the Last Year Not in the Last Year Never Used Unknown

Ever Used Refund 

Anticipation Loan

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

All U.S. Households 120,408 100.0 1,449 1.2 3,020 2.5 112,614 93.5 3,324 2.8 4,470 3.7

Alabama 1,889 100.0 48 2.6 70 3.7 1,740 92.1 30 1.6 119 6.3

Alaska 276 100.0 4 1.6 10 3.4 254 91.9 9 3.1 14 5.0

Arizona 2,622 100.0 4 0.2 32 1.2 2,541 96.9 45 1.7 36 1.4

Arkansas 1,142 100.0 30 2.6 38 3.4 1,049 91.9 25 2.2 68 6.0

California 13,191 100.0 104 0.8 189 1.4 12,489 94.7 409 3.1 293 2.2

Colorado 1,974 100.0 22 1.1 49 2.5 1,864 94.4 38 1.9 72 3.6

Connecticut 1,365 100.0 9 0.7 26 1.9 1,302 95.4 27 2.0 36 2.6

Delaware 346 100.0 3 0.9 6 1.8 329 95.1 8 2.3 9 2.6

District of Columbia 281 100.0 1 0.3 7 2.6 264 93.9 9 3.2 8 2.9

Florida 7,801 100.0 67 0.9 169 2.2 7,235 92.7 330 4.2 236 3.0

Georgia 3,834 100.0 95 2.5 141 3.7 3,487 91.0 111 2.9 235 6.1

Hawaii 443 100.0 2 0.5 10 2.2 413 93.3 18 4.0 12 2.7

Idaho 589 100.0 5 0.8 11 1.8 566 96.1 8 1.3 15 2.6

Illinois 4,956 100.0 48 1.0 104 2.1 4,648 93.8 157 3.2 151 3.1

Indiana 2,560 100.0 39 1.5 42 1.6 2,416 94.4 63 2.4 81 3.1

Iowa 1,244 100.0 13 1.1 28 2.3 1,166 93.7 36 2.9 42 3.3

Kansas 1,136 100.0 22 1.9 24 2.1 1,074 94.5 16 1.4 46 4.0

Kentucky 1,819 100.0 12 0.7 85 4.7 1,694 93.1 28 1.5 97 5.3

Louisiana 1,816 100.0 16 0.9 54 3.0 1,708 94.0 39 2.1 70 3.8

Maine 546 100.0 5 0.9 17 3.1 517 94.7 7 1.3 22 4.0

Maryland 2,170 100.0 23 1.0 29 1.3 2,072 95.5 47 2.1 51 2.4

Massachusetts 2,614 100.0 29 1.1 32 1.2 2,484 95.0 69 2.7 61 2.3

Michigan 3,969 100.0 25 0.6 73 1.9 3,729 94.0 141 3.6 99 2.5

Minnesota 2,163 100.0 11 0.5 27 1.2 2,090 96.6 36 1.6 38 1.8

Mississippi 1,143 100.0 28 2.4 34 3.0 1,063 93.0 18 1.6 62 5.4

Missouri 2,490 100.0 18 0.7 85 3.4 2,332 93.6 56 2.3 102 4.1

Montana 426 100.0 8 1.9 5 1.3 405 95.1 7 1.7 13 3.2

Nebraska 734 100.0 8 1.1 14 1.9 702 95.7 10 1.3 22 3.0

Nevada 1,035 100.0 10 1.0 50 4.8 940 90.8 35 3.4 60 5.8

New Hampshire 526 100.0 4 0.8 7 1.3 507 96.4 8 1.6 11 2.1

New Jersey 3,202 100.0 22 0.7 48 1.5 3,093 96.6 39 1.2 70 2.2

New Mexico 816 100.0 11 1.3 22 2.7 761 93.3 22 2.7 33 4.0

New York 7,677 100.0 45 0.6 165 2.2 7,180 93.5 287 3.7 210 2.7

North Carolina 3,878 100.0 49 1.3 142 3.7 3,593 92.6 94 2.4 191 4.9

North Dakota 283 100.0 2 0.6 6 2.0 271 95.9 4 1.5 7 2.6

Ohio 4,719 100.0 63 1.3 193 4.1 4,263 90.3 200 4.2 256 5.4

Oklahoma 1,503 100.0 34 2.3 53 3.5 1,366 90.9 49 3.3 87 5.8

Oregon 1,522 100.0 10 0.6 25 1.6 1,453 95.4 35 2.3 35 2.3

Pennsylvania 5,161 100.0 47 0.9 181 3.5 4,811 93.2 122 2.4 228 4.4

Rhode Island 423 100.0 2 0.4 4 1.1 404 95.4 13 3.1 6 1.5

South Carolina 1,787 100.0 43 2.4 79 4.4 1,626 91.0 38 2.2 122 6.8

South Dakota 329 100.0 6 2.0 15 4.4 302 91.8 6 1.9 21 6.4

Tennessee 2,605 100.0 66 2.5 83 3.2 2,419 92.9 37 1.4 149 5.7

Texas 9,136 100.0 223 2.4 318 3.5 8,410 92.1 186 2.0 540 5.9

Utah 926 100.0 8 0.8 24 2.5 891 96.2 4 0.4 31 3.4

Vermont 269 100.0 3 1.1 3 1.2 259 96.4 4 1.3 6 2.3

Virginia 3,008 100.0 49 1.6 55 1.8 2,715 90.3 188 6.3 104 3.5

Washington 2,748 100.0 26 0.9 63 2.3 2,584 94.0 75 2.7 89 3.2

West Virginia 762 100.0 10 1.3 24 3.1 701 92.0 27 3.6 34 4.4

Wisconsin 2,316 100.0 17 0.7 40 1.7 2,212 95.5 48 2.1 56 2.4

Wyoming 236 100.0 2 0.9 10 4.1 217 92.1 7 2.9 12 5.0

Notes:

Figures do not always reconcile to totals because of rounding.

a Households are categorized by their most recent known use of AFS. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table B-34 Timing of Unbanked Households’ Use of Refund Anticipation Loans by State

Geography

All Unbanked 

Households

Timing of Refund Anticipation Loan Usea Memo Item

In the Last Year Not in the Last Year Never Used Unknown

Ever Used Refund 

Anticipation Loan

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

All Unbanked Households 9,875 100.0 335 3.4 529 5.4 8,363 84.7 648 6.6 864 8.8

Alabama 193 100.0 8 4.0 17 8.8 164 85.4 4 1.9 25 12.7

Alaska 14 100.0 NA NA NA NA NA NA NA NA NA NA

Arizona 304 100.0 4 1.5 12 3.8 273 90.0 14 4.7 16 5.3

Arkansas 141 100.0 7 5.2 5 3.3 116 82.7 12 8.8 12 8.6

California 1,030 100.0 28 2.7 20 1.9 903 87.6 80 7.8 48 4.6

Colorado 107 100.0 8 7.6 8 7.1 85 79.3 6 6.0 16 14.7

Connecticut 73 100.0 4 5.4 5 6.8 60 82.3 4 5.5 9 12.2

Delaware 23 100.0 1 3.1 1 3.3 20 85.8 2 7.8 1 6.4

District of Columbia 31 100.0 1 2.5 1 4.3 27 86.7 2 6.5 2 6.8

Florida 570 100.0 20 3.6 14 2.5 473 82.9 63 11.0 35 6.1

Georgia 442 100.0 12 2.7 36 8.2 370 83.6 24 5.5 48 10.9

Hawaii 17 100.0 NA NA NA NA NA NA NA NA NA NA

Idaho 33 100.0 NA NA NA NA NA NA NA NA NA NA

Illinois 374 100.0 11 3.0 18 4.9 310 82.9 34 9.1 30 7.9

Indiana 201 100.0 4 1.9 4 2.2 177 88.1 16 7.8 8 4.2

Iowa 54 100.0 3 5.7 3 5.0 44 81.3 4 8.0 6 10.7

Kansas 81 100.0 - - 10 11.9 67 82.8 4 5.3 10 11.9

Kentucky 179 100.0 3 1.4 18 10.2 150 83.9 8 4.5 21 11.6

Louisiana 209 100.0 - - 22 10.6 173 82.7 14 6.7 22 10.6

Maine 20 100.0 0 2.3 1 5.8 17 85.2 1 6.7 2 8.1

Maryland 123 100.0 - - - - 115 94.1 7 5.9 - -

Massachusetts 128 100.0 - - 4 3.4 121 94.2 3 2.4 4 3.4

Michigan 307 100.0 4 1.3 18 6.0 264 85.9 21 6.7 22 7.3

Minnesota 90 100.0 2 2.4 6 6.2 78 86.7 4 4.7 8 8.6

Mississippi 173 100.0 20 11.4 7 4.0 136 79.0 10 5.6 26 15.3

Missouri 237 100.0 7 2.9 13 5.3 211 89.0 7 2.8 19 8.2

Montana 21 100.0 NA NA NA NA NA NA NA NA NA NA

Nebraska 27 100.0 NA NA NA NA NA NA NA NA NA NA

Nevada 77 100.0 - - 8 9.8 59 76.0 11 14.2 8 9.8

New Hampshire 10 100.0 NA NA NA NA NA NA NA NA NA NA

New Jersey 212 100.0 8 4.0 3 1.6 196 92.7 4 1.7 12 5.6

New Mexico 94 100.0 3 3.1 3 3.0 88 94.0 - - 6 6.0

New York 740 100.0 20 2.8 32 4.3 644 87.1 44 5.9 52 7.0

North Carolina 359 100.0 5 1.4 22 6.2 313 87.1 19 5.4 27 7.5

North Dakota 15 100.0 NA NA NA NA NA NA NA NA NA NA

Ohio 414 100.0 8 1.8 30 7.3 329 79.4 47 11.4 38 9.1

Oklahoma 164 100.0 8 5.1 14 8.4 140 85.3 2 1.1 22 13.6

Oregon 65 100.0 NA NA NA NA NA NA NA NA NA NA

Pennsylvania 315 100.0 - - 31 9.9 264 83.6 21 6.5 31 9.9

Rhode Island 30 100.0 1 2.2 0 1.4 27 91.5 1 4.9 1 3.6

South Carolina 166 100.0 3 1.8 17 10.4 131 78.9 15 9.0 20 12.1

South Dakota 15 100.0 1 6.5 2 13.0 11 76.0 1 4.5 3 19.5

Tennessee 283 100.0 27 9.5 24 8.5 227 80.4 5 1.6 51 18.0

Texas 1,167 100.0 67 5.8 67 5.7 972 83.3 61 5.2 134 11.5

Utah 26 100.0 NA NA NA NA NA NA NA NA NA NA

Vermont 9 100.0 NA NA NA NA NA NA NA NA NA NA

Virginia 199 100.0 12 6.2 7 3.5 144 72.2 36 18.1 19 9.7

Washington 123 100.0 2 1.9 3 2.5 102 82.9 16 12.6 5 4.4

West Virginia 72 100.0 7 9.4 7 9.0 58 79.7 1 1.9 13 18.4

Wisconsin 105 100.0 3 2.4 2 2.1 92 87.4 8 8.1 5 4.5

Wyoming 14 100.0 0 2.8 2 16.9 10 75.5 1 4.8 3 19.7

Notes:

Figures do not always reconcile to totals because of rounding.

NA = Not available because the sample size was too small to make an accurate estimate.

- = For this table cell, there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that the true value is only slightly greater than zero.

a Households are categorized by their most recent known use of AFS. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized 

as having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table B-35 Timing of Underbanked Households’ Use of Refund Anticipation Loans by State

Geography

All Underbanked 

Households

Timing of Refund Anticipation Loan Usea Memo Item

In the Last Year Not in the Last Year Never Used Unknown

Ever Used Refund 

Anticipation Loan

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

All Underbanked Households 24,199 100.0 1,114 4.6 1,438 5.9 21,441 88.6 205 0.8 2,553 10.5

Alabama 544 100.0 41 7.5 28 5.2 475 87.3 - - 69 12.7

Alaska 56 100.0 4 7.0 4 7.0 48 86.0 - - 8 14.0

Arizona 537 100.0 - - 4 0.8 530 98.5 4 0.7 4 0.8

Arkansas 321 100.0 22 6.9 22 6.8 277 86.3 - - 44 13.7

California 2,374 100.0 76 3.2 83 3.5 2,200 92.7 14 0.6 160 6.7

Colorado 317 100.0 14 4.4 19 6.0 282 89.0 2 0.6 33 10.4

Connecticut 208 100.0 5 2.6 12 5.8 189 90.9 1 0.7 17 8.4

Delaware 54 100.0 2 4.2 3 6.2 47 87.4 1 2.3 6 10.3

District of Columbia 63 100.0 - - 3 5.1 59 94.3 0 0.6 3 5.1

Florida 1,645 100.0 46 2.8 79 4.8 1,506 91.6 14 0.8 125 7.6

Georgia 1,026 100.0 83 8.1 85 8.2 852 83.0 7 0.7 167 16.3

Hawaii 89 100.0 2 2.7 3 3.8 83 93.5 - - 6 6.5

Idaho 112 100.0 3 3.1 4 3.7 104 93.3 - - 8 6.7

Illinois 879 100.0 36 4.1 49 5.5 791 90.0 3 0.4 85 9.7

Indiana 489 100.0 35 7.2 20 4.2 433 88.7 - - 55 11.3

Iowa 215 100.0 10 4.8 14 6.4 188 87.5 3 1.3 24 11.2

Kansas 223 100.0 22 9.7 12 5.2 189 84.4 2 0.7 33 14.9

Kentucky 391 100.0 9 2.4 47 12.1 331 84.8 3 0.7 57 14.5

Louisiana 495 100.0 16 3.2 18 3.6 461 93.2 - - 34 6.8

Maine 104 100.0 5 4.4 10 9.8 89 85.2 1 0.6 15 14.3

Maryland 461 100.0 23 4.9 18 3.9 420 91.2 - - 41 8.8

Massachusetts 369 100.0 29 7.9 11 3.1 329 89.1 - - 40 10.9

Michigan 685 100.0 21 3.1 41 6.0 609 89.0 13 1.9 63 9.1

Minnesota 272 100.0 9 3.4 13 4.9 246 90.3 4 1.3 23 8.3

Mississippi 269 100.0 8 3.0 16 6.1 242 89.9 3 1.0 24 9.1

Missouri 514 100.0 11 2.1 32 6.2 459 89.2 13 2.5 43 8.3

Montana 93 100.0 5 5.6 2 1.7 87 92.7 - - 7 7.3

Nebraska 130 100.0 5 4.0 4 3.1 120 92.3 1 0.7 9 7.1

Nevada 323 100.0 10 3.1 32 10.0 275 85.2 6 1.8 42 13.1

New Hampshire 66 100.0 3 5.2 2 3.8 60 91.0 - - 6 9.0

New Jersey 621 100.0 14 2.2 28 4.5 571 92.0 8 1.3 42 6.7

New Mexico 193 100.0 8 4.1 13 6.8 172 89.2 - - 21 10.8

New York 1,487 100.0 24 1.6 89 6.0 1,353 91.0 22 1.5 113 7.6

North Carolina 840 100.0 44 5.3 64 7.6 731 87.1 - - 109 12.9

North Dakota 51 100.0 2 3.4 3 5.0 47 91.6 - - 4 8.4

Ohio 912 100.0 55 6.0 108 11.8 739 81.0 10 1.1 163 17.9

Oklahoma 349 100.0 26 7.4 18 5.3 302 86.6 3 0.7 44 12.7

Oregon 219 100.0 7 3.0 8 3.8 198 90.6 5 2.5 15 6.8

Pennsylvania 931 100.0 47 5.0 80 8.6 801 86.0 4 0.4 126 13.6

Rhode Island 75 100.0 1 1.5 3 3.5 71 93.8 1 1.3 4 5.0

South Carolina 369 100.0 40 11.0 30 8.1 296 80.3 2 0.6 70 19.1

South Dakota 72 100.0 6 7.6 6 8.9 60 83.5 - - 12 16.5

Tennessee 473 100.0 39 8.2 39 8.3 391 82.6 4 0.9 78 16.5

Texas 2,481 100.0 155 6.3 172 6.9 2,143 86.4 10 0.4 327 13.2

Utah 195 100.0 8 4.0 11 5.7 176 90.3 - - 19 9.7

Vermont 47 100.0 3 5.4 2 3.2 42 90.6 0 0.8 4 8.6

Virginia 503 100.0 36 7.2 21 4.1 425 84.4 22 4.3 57 11.3

Washington 533 100.0 24 4.4 29 5.4 474 88.9 7 1.2 52 9.8

West Virginia 146 100.0 3 2.1 9 5.9 131 89.8 3 2.2 12 8.0

Wisconsin 329 100.0 14 4.3 10 3.0 296 89.7 10 3.0 24 7.3

Wyoming 50 100.0 2 3.6 4 9.0 43 86.0 1 1.4 6 12.6

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell, there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that the 

true value is only slightly greater than zero.

a Households are categorized by their most recent known use of AFS. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized 

as having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table B-36 Timing of Fully Banked Households’ Use of Refund Anticipation Loans by State

Geography

All Fully Banked 

Households

Timing of Refund Anticipation Loan Use Memo Item

Not used in the last 12 

months Never Used

Ever Used Refund Anticipation 

Loan

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

Households 

(1,000s)

Row 

Pct

All Fully Banked Households 82,830 100.0 1,041 1.3 81,788 98.7 1,041 1.3

Alabama 1,099 100.0 25 2.3 1,074 97.7 25 2.3

Alaska 196 100.0 4 2.0 192 98.0 4 2.0

Arizona 1,734 100.0 16 0.9 1,718 99.1 16 0.9

Arkansas 658 100.0 12 1.8 646 98.2 12 1.8

California 9,355 100.0 86 0.9 9,269 99.1 86 0.9

Colorado 1,510 100.0 23 1.5 1,487 98.5 23 1.5

Connecticut 1,056 100.0 9 0.9 1,046 99.1 9 0.9

Delaware 262 100.0 2 0.8 260 99.2 2 0.8

District of Columbia 180 100.0 3 1.6 177 98.4 3 1.6

Florida 5,309 100.0 76 1.4 5,233 98.6 76 1.4

Georgia 2,248 100.0 20 0.9 2,227 99.1 20 0.9

Hawaii 313 100.0 5 1.7 308 98.3 5 1.7

Idaho 432 100.0 5 1.3 427 98.7 5 1.3

Illinois 3,546 100.0 32 0.9 3,514 99.1 32 0.9

Indiana 1,817 100.0 17 0.9 1,800 99.1 17 0.9

Iowa 932 100.0 12 1.3 920 98.7 12 1.3

Kansas 814 100.0 3 0.4 811 99.6 3 0.4

Kentucky 1,225 100.0 20 1.6 1,205 98.4 20 1.6

Louisiana 1,066 100.0 14 1.3 1,052 98.7 14 1.3

Maine 413 100.0 6 1.3 407 98.7 6 1.3

Maryland 1,528 100.0 11 0.7 1,517 99.3 11 0.7

Massachusetts 2,029 100.0 16 0.8 2,013 99.2 16 0.8

Michigan 2,824 100.0 14 0.5 2,810 99.5 14 0.5

Minnesota 1,763 100.0 8 0.4 1,756 99.6 8 0.4

Mississippi 696 100.0 11 1.6 685 98.4 11 1.6

Missouri 1,681 100.0 40 2.4 1,640 97.6 40 2.4

Montana 303 100.0 2 0.7 301 99.3 2 0.7

Nebraska 559 100.0 9 1.6 550 98.4 9 1.6

Nevada 600 100.0 10 1.7 590 98.3 10 1.7

New Hampshire 439 100.0 4 0.9 435 99.1 4 0.9

New Jersey 2,297 100.0 17 0.7 2,280 99.3 17 0.7

New Mexico 494 100.0 6 1.3 488 98.7 6 1.3

New York 5,159 100.0 45 0.9 5,114 99.1 45 0.9

North Carolina 2,579 100.0 56 2.2 2,523 97.8 56 2.2

North Dakota 210 100.0 2 0.9 209 99.1 2 0.9

Ohio 3,172 100.0 55 1.7 3,117 98.3 55 1.7

Oklahoma 935 100.0 21 2.2 914 97.8 21 2.2

Oregon 1,195 100.0 11 0.9 1,184 99.1 11 0.9

Pennsylvania 3,771 100.0 71 1.9 3,701 98.1 71 1.9

Rhode Island 304 100.0 1 0.5 303 99.5 1 0.5

South Carolina 1,219 100.0 29 2.3 1,190 97.7 29 2.3

South Dakota 236 100.0 6 2.6 230 97.4 6 2.6

Tennessee 1,818 100.0 20 1.1 1,798 98.9 20 1.1

Texas 5,309 100.0 79 1.5 5,230 98.5 79 1.5

Utah 694 100.0 11 1.5 683 98.5 11 1.5

Vermont 207 100.0 2 0.8 206 99.2 2 0.8

Virginia 2,138 100.0 27 1.3 2,110 98.7 27 1.3

Washington 2,012 100.0 31 1.5 1,981 98.5 31 1.5

West Virginia 505 100.0 9 1.7 496 98.3 9 1.7

Wisconsin 1,823 100.0 28 1.5 1,796 98.5 28 1.5

Wyoming 167 100.0 3 1.7 164 98.3 3 1.7

Notes:

Figures do not always reconcile to totals because of rounding.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

6. State Level Tables
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table C-1 Use of AFS by Banking Status: Alabama

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 1,889 100.0 193 100.0 544 100.0 1,099 100.0 NA NA

Any AFS

Has Ever Used 1,116 59.1 162 83.9 544 100.0 407 37.0 NA NA

Has Never Used 720 38.1 27 14.2 0 0.0 692 63.0 NA NA

Unknown 53 2.8 4 1.9 0 0.0 0 0.0 NA NA

Non-Bank Money Order

Has Ever Used 855 45.3 111 57.5 447 82.2 294 26.7 NA NA

Has Never Used 1,003 53.1 78 40.6 93 17.1 805 73.3 NA NA

Unknown 31 1.6 4 1.9 4 0.7 0 0.0 NA NA

Non-Bank Check Cashing

Has Ever Used 366 19.4 100 51.9 148 27.3 117 10.7 NA NA

Has Never Used 1,494 79.1 89 46.2 392 72.1 982 89.3 NA NA

Unknown 29 1.5 4 1.9 4 0.7 0 0.0 NA NA

Non-Bank Remittances

Has Ever Used 81 4.3 22 11.6 38 7.0 21 1.9 NA NA

Has Never Used 1,771 93.8 167 86.5 506 93.0 1,078 98.1 NA NA

Unknown 36 1.9 4 1.9 - - 0 0.0 NA NA

Payday Lending

Has Ever Used 150 7.9 13 6.7 101 18.6 36 3.2 NA NA

Has Never Used 1,709 90.5 176 91.4 443 81.4 1,064 96.8 NA NA

Unknown 30 1.6 4 1.9 - - 0 0.0 NA NA

Pawn Shops

Has Ever Used 215 11.4 72 37.6 104 19.0 39 3.5 NA NA

Has Never Used 1,644 87.1 117 60.6 441 81.0 1,060 96.5 NA NA

Unknown 30 1.6 4 1.9 - - 0 0.0 NA NA

Rent-to-Own

Has Ever Used 121 6.4 39 20.3 74 13.7 8 0.7 NA NA

Has Never Used 1,731 91.6 150 77.8 466 85.7 1,091 99.3 NA NA

Unknown 37 1.9 4 1.9 4 0.7 0 0.0 NA NA

Refund Anticipation Loans

Has Ever Used 119 6.3 25 12.7 69 12.7 25 2.3 NA NA

Has Never Used 1,740 92.1 164 85.4 475 87.3 1,074 97.7 NA NA

Unknown 30 1.6 4 1.9 - - 0 0.0 NA NA

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-2 Timing of AFS Use by Banking Status: Alabama

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 1,889 100.0 193 100.0 544 100.0 1,099 100.0 NA NA

Any AFS

In Last 30 Days 236 12.5 96 49.7 141 25.9 0 0.0 NA NA

In Last 2-12 Months 433 22.9 30 15.5 404 74.1 0 0.0 NA NA

Not in the Last 12 Months 446 23.6 36 18.8 0 0.0 407 37.0 NA NA

Never Used 720 38.1 27 14.2 0 0.0 692 63.0 NA NA

Unknown 53 2.8 4 1.9 0 0.0 0 0.0 NA NA

Non-Bank Money Order

In Last 30 Days 186 9.9 73 37.8 114 20.9 0 0.0 NA NA

In Last 2-12 Months 324 17.2 27 14.1 297 54.6 0 0.0 NA NA

Not in the Last 12 Months 344 18.2 11 5.6 37 6.7 294 26.7 NA NA

Never Used 1,003 53.1 78 40.6 93 17.1 805 73.3 NA NA

Unknown 31 1.6 4 1.9 4 0.7 - - NA NA

Non-Bank Check Cashing

In Last 30 Days 51 2.7 42 21.7 9 1.7 0 0.0 NA NA

In Last 2-12 Months 108 5.7 34 17.6 74 13.6 0 0.0 NA NA

Not in the Last 12 Months 207 10.9 24 12.6 65 12.0 117 10.7 NA NA

Never Used 1,494 79.1 89 46.2 392 72.1 982 89.3 NA NA

Unknown 29 1.5 4 1.9 4 0.7 - - NA NA

Non-Bank Remittances

In Last 30 Days 8 0.4 4 1.9 4 0.8 0 0.0 NA NA

In Last 2-12 Months 29 1.5 15 7.6 14 2.6 0 0.0 NA NA

Not in the Last 12 Months 44 2.4 4 2.2 20 3.6 21 1.9 NA NA

Never Used 1,771 93.8 167 86.5 506 93.0 1,078 98.1 NA NA

Unknown 36 1.9 4 1.9 - - - - NA NA

Payday Lending

In Last 30 Days 14 0.8 - - 14 2.7 0 0.0 NA NA

In Last 2-12 Months 54 2.8 9 4.5 45 8.2 0 0.0 NA NA

Not in the Last 12 Months 82 4.3 4 2.2 42 7.7 36 3.2 NA NA

Never Used 1,709 90.5 176 91.4 443 81.4 1,064 96.8 NA NA

Unknown 30 1.6 4 1.9 - - - - NA NA
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table C-2 Timing of AFS Use by Banking Status: Alabama

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Pawn Shops

In Last 30 Days 10 0.5 3 1.7 7 1.2 0 0.0 NA NA

In Last 2-12 Months 87 4.6 42 22.0 45 8.2 0 0.0 NA NA

Not in the Last 12 Months 117 6.2 27 13.8 52 9.6 39 3.5 NA NA

Never Used 1,644 87.1 117 60.6 441 81.0 1,060 96.5 NA NA

Unknown 30 1.6 4 1.9 - - - - NA NA

Rent-to-Owna

Used in last 12 months 51 2.7 11 5.5 41 7.5 0 0.0 NA NA

Used but not in last 12 months 70 3.7 29 14.8 34 6.2 8 0.7 NA NA

Never Used 1,731 91.6 150 77.8 466 85.7 1,091 99.3 NA NA

Unknown 37 1.9 4 1.9 4 0.7 - - NA NA

Refund Anticipation Loansa

Used in last 12 months 48 2.6 8 4.0 41 7.5 0 0.0 NA NA

Used but not in last 12 months 70 3.7 17 8.8 28 5.2 25 2.3 NA NA

Never Used 1,740 92.1 164 85.4 475 87.3 1,074 97.7 NA NA

Unknown 30 1.6 4 1.9 - - - - NA NA

Notes: 

Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are 

categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as 

having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. a Households were not asked whether they used these AFS products in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-3 Use of AFS by Household Characteristic: Alabama

Household Characteristic

All Households

Use of AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used a 

Transaction AFS Ever Used a Credit AFS

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 1,889 100.0 1,116 59.1 720 38.1 53 2.8 1,012 53.6 365 19.3

Banking Status

Unbanked 193 10.2 162 83.9 27 14.2 4 1.9 142 74.0 91 47.2

Underbanked 544 28.8 544 100.0 0 0.0 0 0.0 495 90.9 194 35.7

Fully Banked 1,099 58.2 407 37.0 692 63.0 0 0.0 372 33.8 80 7.3

Banked but Underbanked Status Unknown 53 2.8 NA NA NA NA NA NA NA NA NA NA

Household Type

Family household 1,268 67.1 760 60.0 481 37.9 27 2.1 688 54.3 239 18.9

Female householder, no husband present 281 14.9 202 71.8 72 25.8 7 2.4 182 64.7 95 34.0

Male householder, no wife present 69 3.6 NA NA NA NA NA NA NA NA NA NA

Married couple 919 48.6 498 54.2 405 44.1 16 1.7 456 49.6 118 12.9

Nonfamily household 616 32.6 351 57.0 238 38.7 27 4.3 318 51.7 126 20.5

Female householder 360 19.0 202 56.1 131 36.5 27 7.4 190 52.7 59 16.4

Male householder 256 13.6 149 58.2 107 41.8 - - 129 50.3 67 26.2

Other 5 0.3 NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 473 25.0 385 81.4 83 17.7 4 0.9 342 72.4 170 36.1

Hispanic non-Black 31 1.6 NA NA NA NA NA NA NA NA NA NA

White non-Black non-Hispanic 1,375 72.8 701 51.0 625 45.5 49 3.5 639 46.5 195 14.2

Other non-Black non-Hispanic 10 0.5 NA NA NA NA NA NA NA NA NA NA

Age

15 to 34 years 368 19.5 242 65.8 118 32.1 8 2.0 225 61.2 109 29.6

35 to 44 years 352 18.6 225 63.9 123 34.9 4 1.1 203 57.8 94 26.6

45 to 54 years 370 19.6 185 50.0 164 44.4 21 5.5 162 43.9 72 19.6

55 to 64 years 400 21.2 234 58.6 159 39.7 7 1.8 207 51.8 62 15.4

65 years or more 399 21.1 230 57.6 155 38.9 14 3.5 214 53.6 29 7.1

Education

No high school degree 251 13.3 168 66.9 80 31.8 3 1.3 150 59.5 53 21.0

High school degree 600 31.8 366 61.0 221 36.8 14 2.3 340 56.6 140 23.3

Some college 544 28.8 327 60.1 197 36.2 20 3.7 277 50.9 134 24.7

College degree 493 26.1 255 51.7 222 45.0 16 3.3 245 49.8 38 7.8

Household Income

Less than $15,000 411 21.8 295 71.7 113 27.5 3 0.8 248 60.2 128 31.1

Between $15,000 and $30,000 376 19.9 227 60.3 127 33.9 22 5.8 203 54.1 112 29.7

Between $30,000 and $50,000 385 20.4 263 68.3 107 27.7 15 4.0 240 62.2 70 18.2

Between $50,000 and $75,000 298 15.8 136 45.6 162 54.4 - - 132 44.5 37 12.4

At Least $75,000 418 22.1 195 46.7 210 50.3 12 3.0 189 45.1 19 4.5

Homeownership

Homeowner 1,344 71.2 737 54.8 573 42.6 35 2.6 669 49.7 185 13.8

Non-homeowner 545 28.8 379 69.7 146 26.9 19 3.4 343 63.0 180 33.1

 Notes:

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund 

anticipation loans.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table C-4 Timing of AFS Use by Household Characteristic: Alabama

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 Daysb In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Used AFS in the Last 

Year

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 1,889 100.0 236 12.5 433 22.9 446 23.6 720 38.1 53 2.8 670 35.5

Banking Status

Unbanked 193 10.2 96 49.7 30 15.5 36 18.8 27 14.2 4 1.9 125 65.1

Underbanked 544 28.8 141 25.9 404 74.1 0 0.0 0 0.0 0 0.0 544 100.0

Fully Banked 1,099 58.2 0 0.0 0 0.0 407 37.0 692 63.0 0 0.0 0 0.0

Banked but Underbanked Status Unknown 53 2.8 0 0.0 0 0.0 NA NA 0 0.0 NA NA 0 0.0

Household Type

Family household 1,268 67.1 169 13.4 296 23.3 295 23.3 481 37.9 27 2.1 465 36.7

Female householder, no husband present 281 14.9 85 30.3 78 27.7 39 13.8 72 25.8 7 2.4 163 58.0

Male householder, no wife present 69 3.6 NA NA NA NA NA NA NA NA NA NA NA NA

Married couple 919 48.6 79 8.6 191 20.8 228 24.8 405 44.1 16 1.7 270 29.4

Nonfamily household 616 32.6 67 10.9 138 22.3 146 23.8 238 38.7 27 4.3 204 33.2

Female householder 360 19.0 45 12.4 68 18.8 89 24.9 131 36.5 27 7.4 112 31.2

Male householder 256 13.6 22 8.7 70 27.3 57 22.2 107 41.8 - - 92 36.0

Other 5 0.3 NA NA NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 473 25.0 126 26.6 154 32.6 105 22.2 83 17.7 4 0.9 280 59.2

Hispanic non-Black 31 1.6 NA NA NA NA NA NA NA NA NA NA NA NA

White non-Black non-Hispanic 1,375 72.8 93 6.8 267 19.4 342 24.8 625 45.5 49 3.5 360 26.2

Other non-Black non-Hispanic 10 0.5 NA NA NA NA NA NA NA NA NA NA NA NA

Age

15 to 34 years 368 19.5 67 18.2 111 30.3 64 17.4 118 32.1 8 2.0 178 48.5

35 to 44 years 352 18.6 67 19.0 111 31.5 47 13.4 123 34.9 4 1.1 178 50.5

45 to 54 years 370 19.6 36 9.6 90 24.2 60 16.1 164 44.4 21 5.5 125 33.9

55 to 64 years 400 21.2 31 7.8 76 19.0 127 31.8 159 39.7 7 1.8 107 26.8

65 years or more 399 21.1 36 8.9 46 11.4 149 37.2 155 38.9 14 3.5 81 20.4

Education

No high school degree 251 13.3 66 26.1 48 19.3 54 21.5 80 31.8 3 1.3 114 45.4

High school degree 600 31.8 92 15.3 136 22.7 138 22.9 221 36.8 14 2.3 228 38.0

Some college 544 28.8 45 8.2 150 27.5 132 24.4 197 36.2 20 3.7 194 35.7

College degree 493 26.1 34 6.9 99 20.1 122 24.8 222 45.0 16 3.3 133 27.0

Household Income

Less than $15,000 411 21.8 109 26.5 86 20.9 100 24.3 113 27.5 3 0.8 195 47.4

Between $15,000 and $30,000 376 19.9 56 14.8 88 23.3 84 22.2 127 33.9 22 5.8 143 38.1

Between $30,000 and $50,000 385 20.4 14 3.5 132 34.2 118 30.6 107 27.7 15 4.0 145 37.7

Between $50,000 and $75,000 298 15.8 42 14.2 54 18.2 39 13.2 162 54.4 - - 97 32.4

At Least $75,000 418 22.1 16 3.8 74 17.7 106 25.3 210 50.3 12 3.0 90 21.5

Homeownership

Homeowner 1,344 71.2 106 7.9 285 21.2 346 25.7 573 42.6 35 2.6 391 29.1

Non-homeowner 545 28.8 130 23.9 149 27.3 101 18.5 146 26.9 19 3.4 279 51.2

 Notes:

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as 

having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 

months. The unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use 

rent-to-own agreements or refund anticipation loans in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table C-5 Use of AFS by Banking Status: Alaska

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 276 100.0 NA NA 56 100.0 196 100.0 NA NA

Any AFS

Has Ever Used 114 41.1 NA NA 56 100.0 48 24.5 NA NA

Has Never Used 152 55.1 NA NA 0 0.0 148 75.5 NA NA

Unknown 10 3.8 NA NA 0 0.0 0 0.0 NA NA

Non-Bank Money Order NA NA NA NA

Has Ever Used 85 30.9 NA NA 43 77.8 34 17.6 NA NA

Has Never Used 182 65.8 NA NA 12 22.2 162 82.4 NA NA

Unknown 9 3.3 NA NA - - 0 0.0 NA NA

Non-Bank Check Cashing

Has Ever Used 38 13.7 NA NA 24 43.1 9 4.8 NA NA

Has Never Used 229 83.0 NA NA 32 56.9 187 95.2 NA NA

Unknown 9 3.3 NA NA - - 0 0.0 NA NA

Non-Bank Remittances

Has Ever Used 16 5.8 NA NA 10 18.6 4 2.3 NA NA

Has Never Used 250 90.6 NA NA 45 81.4 192 97.7 NA NA

Unknown 10 3.6 NA NA - - 0 0.0 NA NA

Payday Lending

Has Ever Used 14 5.0 NA NA 9 17.0 3 1.4 NA NA

Has Never Used 254 91.9 NA NA 46 83.0 194 98.6 NA NA

Unknown 9 3.1 NA NA - - 0 0.0 NA NA

Pawn Shops

Has Ever Used 31 11.3 NA NA 19 33.5 9 4.4 NA NA

Has Never Used 237 85.8 NA NA 37 66.5 188 95.6 NA NA

Unknown 8 2.9 NA NA - - 0 0.0 NA NA

Rent-to-Own

Has Ever Used 11 4.0 NA NA 6 10.9 4 2.3 NA NA

Has Never Used 257 93.1 NA NA 50 89.1 192 97.7 NA NA

Unknown 8 2.9 NA NA - - 0 0.0 NA NA

Refund Anticipation Loans

Has Ever Used 14 5.0 NA NA 8 14.0 4 2.0 NA NA

Has Never Used 254 91.9 NA NA 48 86.0 192 98.0 NA NA

Unknown 9 3.1 NA NA - - 0 0.0 NA NA

Notes: 

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-6 Timing of AFS Use by Banking Status: Alaska

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 276 100.0 NA NA 56 100.0 196 100.0 NA NA

Any AFS

In Last 30 Days 24 8.7 NA NA 19 34.3 0 0.0 NA NA

In Last 2-12 Months 40 14.5 NA NA 37 65.7 0 0.0 NA NA

Not in the Last 12 Months 49 17.9 NA NA 0 0.0 48 24.5 NA NA

Never Used 152 55.1 NA NA 0 0.0 148 75.5 NA NA

Unknown 10 3.8 NA NA 0 0.0 0 0.0 NA NA

Non-Bank Money Order

In Last 30 Days 16 5.7 NA NA 13 22.7 0 0.0 NA NA

In Last 2-12 Months 27 9.8 NA NA 25 44.8 0 0.0 NA NA

Not in the Last 12 Months 42 15.4 NA NA 6 10.3 34 17.6 NA NA

Never Used 182 65.8 NA NA 12 22.2 162 82.4 NA NA

Unknown 9 3.3 NA NA - - - - NA NA

Non-Bank Check Cashing

In Last 30 Days 4 1.3 NA NA 2 4.3 0 0.0 NA NA

In Last 2-12 Months 19 6.7 NA NA 16 28.9 0 0.0 NA NA

Not in the Last 12 Months 16 5.7 NA NA 6 9.9 9 4.8 NA NA

Never Used 229 83.0 NA NA 32 56.9 187 95.2 NA NA

Unknown 9 3.3 NA NA - - - - NA NA

Non-Bank Remittances

In Last 30 Days 3 1.1 NA NA 3 5.4 0 0.0 NA NA

In Last 2-12 Months 6 2.2 NA NA 5 8.7 0 0.0 NA NA

Not in the Last 12 Months 7 2.5 NA NA 3 4.5 4 2.3 NA NA

Never Used 250 90.6 NA NA 45 81.4 192 97.7 NA NA

Unknown 10 3.6 NA NA - - - - NA NA

Payday Lending

In Last 30 Days 1 0.4 NA NA 1 2.1 0 0.0 NA NA

In Last 2-12 Months 4 1.3 NA NA 4 6.3 0 0.0 NA NA

Not in the Last 12 Months 9 3.3 NA NA 5 8.6 3 1.4 NA NA

Never Used 254 91.9 NA NA 46 83.0 194 98.6 NA NA

Unknown 9 3.1 NA NA - - - - NA NA
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table C-6 Timing of AFS Use by Banking Status: Alaska

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Pawn Shops

In Last 30 Days 4 1.5 NA NA 3 5.5 0 0.0 NA NA

In Last 2-12 Months 7 2.4 NA NA 6 10.0 0 0.0 NA NA

Not in the Last 12 Months 21 7.5 NA NA 10 18.1 9 4.4 NA NA

Never Used 237 85.8 NA NA 37 66.5 188 95.6 NA NA

Unknown 8 2.9 NA NA - - - - NA NA

Rent-to-Owna

Used in last 12 months 2 0.7 NA NA 2 3.2 0 0.0 NA NA

Used but not in last 12 months 9 3.4 NA NA 4 7.7 4 2.3 NA NA

Never Used 257 93.1 NA NA 50 89.1 192 97.7 NA NA

Unknown 8 2.9 NA NA - - - - NA NA

Refund Anticipation Loansa

Used in last 12 months 4 1.6 NA NA 4 7.0 0 0.0 NA NA

Used but not in last 12 months 10 3.4 NA NA 4 7.0 4 2.0 NA NA

Never Used 254 91.9 NA NA 48 86.0 192 98.0 NA NA

Unknown 9 3.1 NA NA - - - - NA NA

Notes:

Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. a Households were not asked whether they used these AFS products in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-7 Use of AFS by Household Characteristic: Alaska

Household Characteristic

All Households

Use of AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used a 

Transaction AFS Ever Used a Credit AFS

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 276 100.0 114 41.1 152 55.1 10 3.8 102 36.8 49 17.6

Banking Status

Unbanked 14 5.2 NA NA NA NA NA NA NA NA NA NA

Underbanked 56 20.2 56 100.0 0 0.0 0 0.0 52 92.9 27 47.9

Fully Banked 196 71.0 48 24.5 148 75.5 0 0.0 41 20.7 17 8.6

Banked but Underbanked Status Unknown 10 3.6 NA NA NA NA NA NA NA NA NA NA

Household Type

Family household 174 62.8 69 39.7 98 56.6 6 3.7 62 35.5 30 17.1

Female householder, no husband present 28 10.2 14 48.3 14 49.7 1 2.0 12 44.2 7 25.6

Male householder, no wife present 17 6.0 8 50.0 7 43.3 1 6.7 5 31.0 6 33.4

Married couple 129 46.6 47 36.5 77 59.8 5 3.7 44 34.2 17 13.2

Nonfamily household 101 36.7 44 43.1 54 52.9 4 4.0 39 38.5 18 17.7

Female householder 43 15.4 15 35.8 26 60.4 2 3.8 14 32.0 5 11.6

Male householder 59 21.3 28 48.3 28 47.6 2 4.1 25 43.2 13 22.1

Other 1 0.5 NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 15 5.5 NA NA NA NA NA NA NA NA NA NA

Hispanic non-Black 9 3.2 NA NA NA NA NA NA NA NA NA NA

White non-Black non-Hispanic 207 74.8 76 36.9 122 59.1 8 4.0 68 33.0 30 14.6

Other non-Black non-Hispanic 46 16.6 24 51.8 21 45.3 1 2.9 22 47.3 12 26.1

Age

15 to 34 years 73 26.4 32 43.5 39 53.0 3 3.5 26 35.0 19 25.5

35 to 44 years 49 17.8 22 45.2 26 52.2 1 2.6 20 41.3 8 15.8

45 to 54 years 58 20.9 25 43.4 30 51.2 3 5.5 24 41.2 12 21.5

55 to 64 years 55 20.0 21 38.6 33 59.6 1 1.7 20 35.6 7 13.0

65 years or more 41 14.9 13 31.8 25 62.0 3 6.2 12 29.9 3 6.3

Education

No high school degree 26 9.4 11 42.9 14 53.2 1 3.9 8 30.7 7 25.9

High school degree 77 27.8 35 45.4 36 47.4 6 7.3 31 40.7 14 17.8

Some college 100 36.3 42 41.5 57 56.5 2 2.0 39 38.5 22 21.5

College degree 73 26.5 26 35.3 46 62.1 2 2.6 24 32.4 7 9.0

Household Income

Less than $15,000 40 14.3 20 51.7 17 42.8 2 5.5 19 48.3 11 26.6

Between $15,000 and $30,000 42 15.1 18 42.3 23 55.1 1 2.6 15 36.0 8 18.7

Between $30,000 and $50,000 52 18.9 27 51.6 25 46.9 1 1.4 24 45.8 12 22.7

Between $50,000 and $75,000 52 18.9 22 42.2 28 54.0 2 3.8 19 36.8 10 20.1

At Least $75,000 91 32.8 26 29.1 60 66.0 4 4.9 24 26.9 8 8.7

Homeownership

Homeowner 179 64.7 64 35.7 108 60.1 8 4.2 59 33.0 20 11.4

Non-homeowner 97 35.3 50 51.0 45 46.1 3 2.9 43 43.8 28 29.0

Notes:

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund anticipation loans.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table C-8 Timing of AFS Use by Household Characteristic: Alaska

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 Daysb In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Used AFS in the Last 

Year

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 276 100.0 24 8.7 40 14.5 49 17.9 152 55.1 10 3.8 64 23.2

Banking Status

Unbanked 14 5.2 NA NA NA NA NA NA NA NA NA NA NA NA

Underbanked 56 20.2 19 34.3 37 65.7 0 0.0 0 0.0 0 0.0 56 100.0

Fully Banked 196 71.0 0 0.0 0 0.0 48 24.5 148 75.5 0 0.0 0 0.0

Banked but Underbanked Status Unknown 10 3.6 0 0.0 0 0.0 NA NA 0 0.0 NA NA 0 0.0

Household Type

Family household 174 62.8 15 8.8 25 14.4 29 16.5 98 56.6 6 3.7 40 23.2

Female householder, no husband present 28 10.2 5 17.4 6 22.8 2 8.1 14 49.7 1 2.0 11 40.2

Male householder, no wife present 17 6.0 1 6.3 3 18.2 4 25.5 7 43.3 1 6.7 4 24.5

Married couple 129 46.6 9 7.2 16 12.1 22 17.2 77 59.8 5 3.7 25 19.3

Nonfamily household 101 36.7 9 8.6 14 14.0 21 20.5 54 52.9 4 4.0 23 22.6

Female householder 43 15.4 3 7.3 5 11.4 7 17.1 26 60.4 2 3.8 8 18.7

Male householder 59 21.3 6 9.4 9 16.0 14 22.9 28 47.6 2 4.1 15 25.4

Other 1 0.5 NA NA NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 15 5.5 NA NA NA NA NA NA NA NA NA NA NA NA

Hispanic non-Black 9 3.2 NA NA NA NA NA NA NA NA NA NA NA NA

White non-Black non-Hispanic 207 74.8 13 6.2 25 12.0 39 18.6 122 59.1 8 4.0 38 18.3

Other non-Black non-Hispanic 46 16.6 7 14.5 9 19.7 8 17.5 21 45.3 1 2.9 16 34.3

Age

15 to 34 years 73 26.4 8 11.0 14 19.3 10 13.2 39 53.0 3 3.5 22 30.3

35 to 44 years 49 17.8 5 9.8 7 15.1 10 20.3 26 52.2 1 2.6 12 24.9

45 to 54 years 58 20.9 7 12.8 6 11.1 11 19.5 30 51.2 3 5.5 14 23.9

55 to 64 years 55 20.0 2 3.9 8 15.3 11 19.5 33 59.6 1 1.7 11 19.1

65 years or more 41 14.9 2 3.7 4 9.3 8 18.7 25 62.0 3 6.2 5 13.0

Education

No high school degree 26 9.4 3 12.4 3 10.7 5 19.8 14 53.2 1 3.9 6 23.1

High school degree 77 27.8 10 13.6 12 16.2 12 15.6 36 47.4 6 7.3 23 29.8

Some college 100 36.3 8 8.2 17 17.0 16 16.3 57 56.5 2 2.0 25 25.2

College degree 73 26.5 2 2.8 8 10.9 16 21.7 46 62.1 2 2.6 10 13.6

Household Income

Less than $15,000 40 14.3 3 6.8 11 29.0 6 15.9 17 42.8 2 5.5 14 35.8

Between $15,000 and $30,000 42 15.1 6 13.9 4 10.5 7 17.8 23 55.1 1 2.6 10 24.5

Between $30,000 and $50,000 52 18.9 6 12.1 9 17.6 12 22.0 25 46.9 1 1.4 16 29.6

Between $50,000 and $75,000 52 18.9 5 9.9 7 13.8 10 18.6 28 54.0 2 3.8 12 23.6

At Least $75,000 91 32.8 4 4.4 8 8.8 14 15.9 60 66.0 4 4.9 12 13.2

Homeownership

Homeowner 179 64.7 9 5.0 20 11.1 35 19.5 108 60.1 8 4.2 29 16.1

Non-homeowner 97 35.3 15 15.3 20 20.8 14 14.8 45 46.1 3 2.9 35 36.1

Notes:

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as 

having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 

months. The unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use 

rent-to-own agreements or refund anticipation loans in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table C-9 Use of AFS by Banking Status: Arizona

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 2,622 100.0 304 100.0 537 100.0 1,734 100.0 NA NA

Any AFS

Has Ever Used 1,189 45.4 200 65.9 537 100.0 440 25.4 NA NA

Has Never Used 1,392 53.1 97 32.1 0 0.0 1,294 74.6 NA NA

Unknown 41 1.6 6 2.0 0 0.0 0 0.0 NA NA

Non-Bank Money Order

Has Ever Used 943 36.0 157 51.6 430 80.0 345 19.9 NA NA

Has Never Used 1,638 62.5 137 45.2 107 20.0 1,389 80.1 NA NA

Unknown 41 1.6 10 3.2 - - 0 0.0 NA NA

Non-Bank Check Cashing

Has Ever Used 348 13.3 138 45.6 149 27.7 60 3.5 NA NA

Has Never Used 2,234 85.2 155 51.0 388 72.3 1,674 96.5 NA NA

Unknown 39 1.5 10 3.4 - - 0 0.0 NA NA

Non-Bank Remittances

Has Ever Used 188 7.2 45 14.7 112 20.9 26 1.5 NA NA

Has Never Used 2,402 91.6 249 81.8 425 79.1 1,708 98.5 NA NA

Unknown 31 1.2 11 3.5 - - 0 0.0 NA NA

Payday Lending

Has Ever Used 154 5.9 40 13.1 67 12.4 47 2.7 NA NA

Has Never Used 2,435 92.9 253 83.4 471 87.6 1,687 97.3 NA NA

Unknown 33 1.3 11 3.5 - - 0 0.0 NA NA

Pawn Shops

Has Ever Used 260 9.9 85 27.8 142 26.4 34 2.0 NA NA

Has Never Used 2,321 88.5 205 67.4 396 73.6 1,700 98.0 NA NA

Unknown 41 1.6 14 4.7 - - 0 0.0 NA NA

Rent-to-Own

Has Ever Used 135 5.1 25 8.2 79 14.7 25 1.5 NA NA

Has Never Used 2,438 93.0 264 87.0 458 85.3 1,709 98.5 NA NA

Unknown 49 1.9 14 4.7 - - 0 0.0 NA NA

Refund Anticipation Loans

Has Ever Used 36 1.4 16 5.3 4 0.8 16 0.9 NA NA

Has Never Used 2,541 96.9 273 90.0 530 98.5 1,718 99.1 NA NA

Unknown 45 1.7 14 4.7 4 0.7 0 0.0 NA NA

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-10 Timing of AFS Use by Banking Status: Arizona

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 2,622 100.0 304 100.0 537 100.0 1,734 100.0 NA NA

Any AFS

In Last 30 Days 326 12.4 122 40.3 204 37.9 0 0.0 NA NA

In Last 2-12 Months 408 15.5 74 24.3 334 62.1 0 0.0 NA NA

Not in the Last 12 Months 456 17.4 4 1.4 0 0.0 440 25.4 NA NA

Never Used 1,392 53.1 97 32.1 0 0.0 1,294 74.6 NA NA

Unknown 41 1.6 6 2.0 0 0.0 0 0.0 NA NA

Non-Bank Money Order

In Last 30 Days 244 9.3 102 33.6 142 26.5 0 0.0 NA NA

In Last 2-12 Months 292 11.1 42 13.7 250 46.5 0 0.0 NA NA

Not in the Last 12 Months 407 15.5 13 4.3 38 7.1 345 19.9 NA NA

Never Used 1,638 62.5 137 45.2 107 20.0 1,389 80.1 NA NA

Unknown 41 1.6 10 3.2 - - - - NA NA

Non-Bank Check Cashing

In Last 30 Days 102 3.9 72 23.7 31 5.7 0 0.0 NA NA

In Last 2-12 Months 131 5.0 58 19.0 73 13.6 0 0.0 NA NA

Not in the Last 12 Months 115 4.4 9 2.9 46 8.5 60 3.5 NA NA

Never Used 2,234 85.2 155 51.0 388 72.3 1,674 96.5 NA NA

Unknown 39 1.5 10 3.4 - - - - NA NA

Non-Bank Remittances

In Last 30 Days 54 2.1 5 1.7 49 9.1 0 0.0 NA NA

In Last 2-12 Months 86 3.3 26 8.5 60 11.2 0 0.0 NA NA

Not in the Last 12 Months 48 1.8 14 4.5 3 0.6 26 1.5 NA NA

Never Used 2,402 91.6 249 81.8 425 79.1 1,708 98.5 NA NA

Unknown 31 1.2 11 3.5 - - - - NA NA

Payday Lending

In Last 30 Days 4 0.1 - - 4 0.7 0 0.0 NA NA

In Last 2-12 Months 26 1.0 4 1.4 21 4.0 0 0.0 NA NA

Not in the Last 12 Months 124 4.7 36 11.7 42 7.7 47 2.7 NA NA

Never Used 2,435 92.9 253 83.4 471 87.6 1,687 97.3 NA NA

Unknown 33 1.3 11 3.5 - - - - NA NA
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table C-10 Timing of AFS Use by Banking Status: Arizona

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Pawn Shops

In Last 30 Days 30 1.1 16 5.2 14 2.6 0 0.0 NA NA

In Last 2-12 Months 105 4.0 51 16.8 53 10.0 0 0.0 NA NA

Not in the Last 12 Months 126 4.8 18 5.9 74 13.8 34 2.0 NA NA

Never Used 2,321 88.5 205 67.4 396 73.6 1,700 98.0 NA NA

Unknown 41 1.6 14 4.7 - - - - NA NA

Rent-to-Owna

Used in last 12 months 39 1.5 15 4.9 24 4.4 0 0.0 NA NA

Used but not in last 12 months 96 3.7 10 3.4 55 10.3 25 1.5 NA NA

Never Used 2,438 93.0 264 87.0 458 85.3 1,709 98.5 NA NA

Unknown 49 1.9 14 4.7 - - - - NA NA

Refund Anticipation Loansa

Used in last 12 months 4 0.2 4 1.5 - - 0 0.0 NA NA

Used but not in last 12 months 32 1.2 12 3.8 4 0.8 16 0.9 NA NA

Never Used 2,541 96.9 273 90.0 530 98.5 1,718 99.1 NA NA

Unknown 45 1.7 14 4.7 4 0.7 - - NA NA

Notes:

Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are 

categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as 

having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. a Households were not asked whether they used these AFS products in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-11 Use of AFS by Household Characteristic: Arizona

Household Characteristic

All Households

Use of AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used a 

Transaction AFS Ever Used a Credit AFS

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 2,622 100.0 1,189 45.4 1,392 53.1 41 1.6 1,097 41.8 408 15.6

Banking Status

Unbanked 304 11.6 200 65.9 97 32.1 6 2.0 196 64.5 92 30.4

Underbanked 537 20.5 537 100.0 0 0.0 0 0.0 501 93.3 209 38.8

Fully Banked 1,734 66.1 440 25.4 1,294 74.6 0 0.0 388 22.4 102 5.9

Banked but Underbanked Status Unknown 46 1.8 NA NA NA NA NA NA NA NA NA NA

Household Type

Family household 1,700 64.8 763 44.9 910 53.5 27 1.6 692 40.7 269 15.8

Female householder, no husband present 286 10.9 159 55.5 119 41.6 8 2.9 137 47.8 69 24.3

Male householder, no wife present 122 4.7 NA NA NA NA NA NA NA NA NA NA

Married couple 1,292 49.3 536 41.5 738 57.1 19 1.4 498 38.5 164 12.7

Nonfamily household 922 35.2 426 46.3 481 52.2 14 1.5 405 43.9 139 15.0

Female householder 408 15.5 202 49.7 201 49.4 4 0.9 202 49.7 51 12.6

Male householder 514 19.6 224 43.6 280 54.4 10 2.0 202 39.4 87 17.0

Race/Ethnicity

Black 116 4.4 NA NA NA NA NA NA NA NA NA NA

Hispanic non-Black 666 25.4 343 51.5 319 47.9 4 0.7 338 50.7 115 17.3

White non-Black non-Hispanic 1,703 65.0 709 41.7 968 56.8 26 1.5 651 38.2 210 12.3

Other non-Black non-Hispanic 136 5.2 78 56.9 59 43.1 - - 59 43.1 41 29.9

Age

15 to 34 years 630 24.0 338 53.7 281 44.7 10 1.6 311 49.4 146 23.2

35 to 44 years 464 17.7 247 53.2 209 45.1 8 1.7 226 48.6 84 18.0

45 to 54 years 500 19.1 206 41.2 289 57.9 4 0.9 193 38.6 68 13.6

55 to 64 years 584 22.3 252 43.1 326 55.8 6 1.1 234 40.0 80 13.6

65 years or more 444 17.0 146 32.9 286 64.3 12 2.8 134 30.1 30 6.8

Education

No high school degree 359 13.7 179 49.9 176 49.0 4 1.0 170 47.4 94 26.2

High school degree 568 21.7 249 43.9 300 52.9 18 3.2 218 38.3 115 20.3

Some college 845 32.3 373 44.1 464 54.9 8 1.0 334 39.4 153 18.1

College degree 849 32.4 388 45.7 451 53.1 10 1.2 375 44.2 45 5.3

Household Income

Less than $15,000 499 19.0 233 46.6 259 51.8 8 1.6 207 41.4 102 20.4

Between $15,000 and $30,000 489 18.7 234 47.7 245 50.1 10 2.1 208 42.5 116 23.8

Between $30,000 and $50,000 492 18.8 251 51.0 236 48.1 4 0.9 227 46.1 91 18.5

Between $50,000 and $75,000 435 16.6 210 48.2 215 49.5 10 2.3 197 45.3 53 12.1

At Least $75,000 706 26.9 262 37.2 436 61.7 8 1.1 258 36.6 46 6.5

Homeownership

Homeowner 1,713 65.3 716 41.8 975 56.9 22 1.3 661 38.6 197 11.5

Non-homeowner 909 34.7 474 52.1 417 45.8 19 2.0 436 48.0 211 23.2

Notes:

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund 

anticipation loans.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table C-12 Timing of AFS Use by Household Characteristic: Arizona

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 Daysb In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Used AFS in the Last 

Year

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 2,622 100.0 326 12.4 408 15.5 456 17.4 1,392 53.1 41 1.6 734 28.0

Banking Status

Unbanked 304 11.6 122 40.3 74 24.3 4 1.4 97 32.1 6 2.0 196 64.5

Underbanked 537 20.5 204 37.9 334 62.1 0 0.0 0 0.0 0 0.0 537 100.0

Fully Banked 1,734 66.1 0 0.0 0 0.0 440 25.4 1,294 74.6 0 0.0 0 0.0

Banked but Underbanked Status Unknown 46 1.8 0 0.0 0 0.0 NA NA 0 0.0 NA NA 0 0.0

Household Type

Family household 1,700 64.8 245 14.4 257 15.1 261 15.4 910 53.5 27 1.6 502 29.5

Female householder, no husband present 286 10.9 70 24.4 56 19.7 32 11.4 119 41.6 8 2.9 126 44.1

Male householder, no wife present 122 4.7 NA NA NA NA NA NA NA NA NA NA NA NA

Married couple 1,292 49.3 151 11.7 186 14.4 199 15.4 738 57.1 19 1.4 337 26.1

Nonfamily household 922 35.2 81 8.8 150 16.3 195 21.1 481 52.2 14 1.5 232 25.1

Female householder 408 15.5 21 5.2 88 21.5 93 22.9 201 49.4 4 0.9 109 26.7

Male householder 514 19.6 60 11.7 63 12.2 101 19.7 280 54.4 10 2.0 123 23.9

Race/Ethnicity

Black 116 4.4 NA NA NA NA NA NA NA NA NA NA NA NA

Hispanic non-Black 666 25.4 164 24.6 126 18.9 53 7.9 319 47.9 4 0.7 290 43.6

White non-Black non-Hispanic 1,703 65.0 104 6.1 231 13.6 374 22.0 968 56.8 26 1.5 335 19.7

Other non-Black non-Hispanic 136 5.2 26 19.1 29 21.1 23 16.7 59 43.1 - - 55 40.2

Age

15 to 34 years 630 24.0 119 18.9 126 20.0 94 14.9 281 44.7 10 1.6 245 38.9

35 to 44 years 464 17.7 52 11.2 113 24.3 82 17.7 209 45.1 8 1.7 165 35.5

45 to 54 years 500 19.1 88 17.7 68 13.7 49 9.8 289 57.9 4 0.9 157 31.4

55 to 64 years 584 22.3 60 10.2 75 12.8 117 20.1 326 55.8 6 1.1 134 23.0

65 years or more 444 17.0 7 1.6 26 5.8 113 25.5 286 64.3 12 2.8 33 7.4

Education

No high school degree 359 13.7 104 28.9 52 14.6 23 6.4 176 49.0 4 1.0 156 43.6

High school degree 568 21.7 100 17.6 100 17.6 49 8.7 300 52.9 18 3.2 200 35.2

Some college 845 32.3 62 7.3 129 15.2 182 21.6 464 54.9 8 1.0 190 22.5

College degree 849 32.4 60 7.1 127 14.9 201 23.7 451 53.1 10 1.2 187 22.0

Household Income

Less than $15,000 499 19.0 79 15.8 105 21.0 49 9.8 259 51.8 8 1.6 184 36.8

Between $15,000 and $30,000 489 18.7 92 18.8 67 13.6 75 15.4 245 50.1 10 2.1 158 32.4

Between $30,000 and $50,000 492 18.8 67 13.5 97 19.8 87 17.7 236 48.1 4 0.9 164 33.3

Between $50,000 and $75,000 435 16.6 55 12.7 43 10.0 111 25.6 215 49.5 10 2.3 98 22.6

At Least $75,000 706 26.9 34 4.8 95 13.5 133 18.8 436 61.7 8 1.1 129 18.3

Homeownership

Homeowner 1,713 65.3 163 9.5 224 13.1 328 19.2 975 56.9 22 1.3 387 22.6

Non-homeowner 909 34.7 163 17.9 184 20.2 127 14.0 417 45.8 19 2.0 346 38.1

Notes:

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as 

having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 

months. The unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use 

rent-to-own agreements or refund anticipation loans in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table C-13 Use of AFS by Banking Status: Arkansas

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 1,142 100.0 141 100.0 321 100.0 658 100.0 NA NA

Any AFS

Has Ever Used 664 58.1 111 78.6 321 100.0 227 34.6 NA NA

Has Never Used 448 39.2 18 12.7 0 0.0 430 65.4 NA NA

Unknown 30 2.6 12 8.8 0 0.0 0 0.0 NA NA

Non-Bank Money Order

Has Ever Used 480 42.1 87 61.4 255 79.2 135 20.5 NA NA

Has Never Used 637 55.8 45 32.2 67 20.8 523 79.5 NA NA

Unknown 25 2.2 9 6.4 - - 0 0.0 NA NA

Non-Bank Check Cashing

Has Ever Used 248 21.7 53 37.3 116 36.2 79 12.0 NA NA

Has Never Used 872 76.4 79 56.3 205 63.8 578 88.0 NA NA

Unknown 22 1.9 9 6.4 - - 0 0.0 NA NA

Non-Bank Remittances

Has Ever Used 48 4.2 9 6.2 37 11.6 2 0.3 NA NA

Has Never Used 1,068 93.6 121 86.1 284 88.4 656 99.7 NA NA

Unknown 26 2.3 11 7.7 - - 0 0.0 NA NA

Payday Lending

Has Ever Used 50 4.4 6 4.1 37 11.5 7 1.1 NA NA

Has Never Used 1,072 93.9 126 89.5 284 88.5 650 98.9 NA NA

Unknown 20 1.7 9 6.4 - - 0 0.0 NA NA

Pawn Shops

Has Ever Used 142 12.4 25 17.6 78 24.1 39 6.0 NA NA

Has Never Used 981 85.9 107 76.0 244 75.9 618 94.0 NA NA

Unknown 20 1.7 9 6.4 - - 0 0.0 NA NA

Rent-to-Own

Has Ever Used 112 9.8 24 17.2 62 19.4 25 3.8 NA NA

Has Never Used 1,002 87.7 104 74.1 256 79.5 633 96.2 NA NA

Unknown 28 2.5 12 8.8 4 1.1 0 0.0 NA NA

Refund Anticipation Loans

Has Ever Used 68 6.0 12 8.6 44 13.7 12 1.8 NA NA

Has Never Used 1,049 91.9 116 82.7 277 86.3 646 98.2 NA NA

Unknown 25 2.2 12 8.8 - - 0 0.0 NA NA

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-14 Timing of AFS Use by Banking Status: Arkansas

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 1,142 100.0 141 100.0 321 100.0 658 100.0 NA NA

Any AFS

In Last 30 Days 187 16.4 57 40.2 131 40.7 0 0.0 NA NA

In Last 2-12 Months 220 19.3 29 20.8 191 59.3 0 0.0 NA NA

Not in the Last 12 Months 257 22.5 25 17.5 0 0.0 227 34.6 NA NA

Never Used 448 39.2 18 12.7 0 0.0 430 65.4 NA NA

Unknown 30 2.6 12 8.8 0 0.0 0 0.0 NA NA

Non-Bank Money Order

In Last 30 Days 144 12.6 39 27.7 105 32.8 0 0.0 NA NA

In Last 2-12 Months 154 13.5 30 21.1 125 38.8 0 0.0 NA NA

Not in the Last 12 Months 182 15.9 18 12.6 25 7.7 135 20.5 NA NA

Never Used 637 55.8 45 32.2 67 20.8 523 79.5 NA NA

Unknown 25 2.2 9 6.4 - - - - NA NA

Non-Bank Check Cashing

In Last 30 Days 54 4.7 30 21.3 24 7.3 0 0.0 NA NA

In Last 2-12 Months 70 6.1 11 7.8 59 18.4 0 0.0 NA NA

Not in the Last 12 Months 124 10.9 12 8.2 34 10.5 79 12.0 NA NA

Never Used 872 76.4 79 56.3 205 63.8 578 88.0 NA NA

Unknown 22 1.9 9 6.4 - - - - NA NA

Non-Bank Remittances

In Last 30 Days 10 0.9 - - 10 3.1 0 0.0 NA NA

In Last 2-12 Months 14 1.3 5 3.9 9 2.8 0 0.0 NA NA

Not in the Last 12 Months 23 2.0 3 2.3 18 5.6 2 0.3 NA NA

Never Used 1,068 93.6 121 86.1 284 88.4 656 99.7 NA NA

Unknown 26 2.3 11 7.7 - - - - NA NA

Payday Lending

In Last 30 Days 3 0.3 - - 3 1.1 0 0.0 NA NA

In Last 2-12 Months 4 0.3 - - 4 1.2 0 0.0 NA NA

Not in the Last 12 Months 43 3.7 6 4.1 30 9.2 7 1.1 NA NA

Never Used 1,072 93.9 126 89.5 284 88.5 650 98.9 NA NA

Unknown 20 1.7 9 6.4 - - - - NA NA
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table C-14 Timing of AFS Use by Banking Status: Arkansas

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Pawn Shops

In Last 30 Days 21 1.8 8 5.7 13 4.0 0 0.0 NA NA

In Last 2-12 Months 35 3.0 6 4.5 28 8.8 0 0.0 NA NA

Not in the Last 12 Months 86 7.5 10 7.4 36 11.3 39 6.0 NA NA

Never Used 981 85.9 107 76.0 244 75.9 618 94.0 NA NA

Unknown 20 1.7 9 6.4 - - - - NA NA

Rent-to-Owna

Used in last 12 months 46 4.0 11 8.0 35 10.7 0 0.0 NA NA

Used but not in last 12 months 66 5.8 13 9.2 28 8.7 25 3.8 NA NA

Never Used 1,002 87.7 104 74.1 256 79.5 633 96.2 NA NA

Unknown 28 2.5 12 8.8 4 1.1 - - NA NA

Refund Anticipation Loansa

Used in last 12 months 30 2.6 7 5.2 22 6.9 0 0.0 NA NA

Used but not in last 12 months 38 3.4 5 3.3 22 6.8 12 1.8 NA NA

Never Used 1,049 91.9 116 82.7 277 86.3 646 98.2 NA NA

Unknown 25 2.2 12 8.8 - - - - NA NA

Notes:

Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. a Households were not asked whether they used these AFS products in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-15 Use of AFS by Household Characteristic: Arkansas

Household Characteristic

All Households

Use of AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used a 

Transaction AFS Ever Used a Credit AFS

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 1,142 100.0 664 58.1 448 39.2 30 2.6 593 51.9 246 21.5

Banking Status

Unbanked 141 12.3 111 78.6 18 12.7 12 8.8 102 72.5 38 27.3

Underbanked 321 28.1 321 100.0 0 0.0 0 0.0 305 94.9 136 42.2

Fully Banked 658 57.6 227 34.6 430 65.4 0 0.0 182 27.6 72 11.0

Banked but Underbanked Status Unknown 22 1.9 NA NA NA NA NA NA NA NA NA NA

Household Type

Family household 727 63.7 419 57.7 291 40.0 17 2.4 374 51.4 162 22.3

Female householder, no husband present 142 12.4 92 64.8 43 30.1 7 5.2 84 59.6 44 31.0

Male householder, no wife present 54 4.8 NA NA NA NA NA NA NA NA NA NA

Married couple 531 46.5 285 53.6 239 45.0 7 1.4 249 46.9 102 19.2

Nonfamily household 415 36.3 245 59.0 157 37.9 13 3.1 220 52.9 84 20.2

Female householder 230 20.1 118 51.2 105 45.8 7 2.9 109 47.5 36 15.8

Male householder 185 16.2 127 68.6 52 28.1 6 3.3 110 59.6 48 25.7

Race/Ethnicity

Black 198 17.3 153 77.5 40 20.2 5 2.4 141 71.2 59 29.9

Hispanic non-Black 35 3.1 NA NA NA NA NA NA NA NA NA NA

White non-Black non-Hispanic 882 77.2 474 53.8 386 43.7 22 2.5 416 47.2 183 20.8

Other non-Black non-Hispanic 27 2.4 NA NA NA NA NA NA NA NA NA NA

Age

15 to 34 years 306 26.8 226 73.8 74 24.3 6 1.9 206 67.2 87 28.5

35 to 44 years 166 14.5 104 62.5 59 35.7 3 1.8 92 55.8 42 25.5

45 to 54 years 188 16.5 109 58.1 74 39.5 5 2.4 92 49.1 56 30.0

55 to 64 years 184 16.1 91 49.7 80 43.7 12 6.6 80 43.7 31 16.7

65 years or more 298 26.1 134 44.9 160 53.6 4 1.4 122 41.0 29 9.8

Education

No high school degree 200 17.5 124 61.9 73 36.4 3 1.7 110 54.9 34 17.2

High school degree 396 34.7 261 65.9 131 33.0 5 1.2 233 58.9 103 25.9

Some college 321 28.1 174 54.4 130 40.7 16 4.9 159 49.5 75 23.3

College degree 226 19.8 105 46.5 115 50.7 6 2.8 92 40.6 34 15.1

Household Income

Less than $15,000 259 22.7 164 63.4 86 33.1 9 3.5 145 56.1 52 19.9

Between $15,000 and $30,000 264 23.1 172 65.2 89 33.9 2 0.9 163 61.7 73 27.8

Between $30,000 and $50,000 280 24.5 158 56.3 118 42.3 4 1.5 139 49.4 67 23.8

Between $50,000 and $75,000 167 14.7 105 62.9 54 32.5 8 4.6 96 57.1 31 18.7

At Least $75,000 171 15.0 65 37.7 100 58.4 7 4.0 51 29.8 23 13.5

Homeownership

Homeowner 728 63.7 355 48.7 354 48.6 20 2.7 311 42.7 105 14.5

Non-homeowner 414 36.3 309 74.7 95 22.8 10 2.5 282 68.1 141 34.0

Notes:

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund 

anticipation loans.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table C-16 Timing of AFS Use by Household Characteristic: Arkansas

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 Daysb In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Used AFS in the Last 

Year

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 1,142 100.0 187 16.4 220 19.3 257 22.5 448 39.2 30 2.6 407 35.7

Banking Status

Unbanked 141 12.3 57 40.2 29 20.8 25 17.5 18 12.7 12 8.8 86 61.0

Underbanked 321 28.1 131 40.7 191 59.3 0 0.0 0 0.0 0 0.0 321 100.0

Fully Banked 658 57.6 0 0.0 0 0.0 227 34.6 430 65.4 0 0.0 0 0.0

Banked but Underbanked Status Unknown 22 1.9 0 0.0 0 0.0 NA NA 0 0.0 NA NA 0 0.0

Household Type

Family household 727 63.7 119 16.4 146 20.1 154 21.2 291 40.0 17 2.4 265 36.4

Female householder, no husband present 142 12.4 34 23.7 34 24.1 24 17.0 43 30.1 7 5.2 68 47.7

Male householder, no wife present 54 4.8 NA NA NA NA NA NA NA NA NA NA NA NA

Married couple 531 46.5 77 14.6 95 17.9 112 21.2 239 45.0 7 1.4 172 32.4

Nonfamily household 415 36.3 68 16.5 74 17.9 102 24.6 157 37.9 13 3.1 143 34.4

Female householder 230 20.1 37 16.0 32 13.8 49 21.5 105 45.8 7 2.9 69 29.8

Male householder 185 16.2 32 17.2 42 22.9 53 28.5 52 28.1 6 3.3 74 40.1

Race/Ethnicity

Black 198 17.3 56 28.3 65 32.7 32 16.4 40 20.2 5 2.4 121 61.1

Hispanic non-Black 35 3.1 NA NA NA NA NA NA NA NA NA NA NA NA

White non-Black non-Hispanic 882 77.2 117 13.2 142 16.2 215 24.4 386 43.7 22 2.5 259 29.4

Other non-Black non-Hispanic 27 2.4 NA NA NA NA NA NA NA NA NA NA NA NA

Age

15 to 34 years 306 26.8 77 25.2 87 28.5 62 20.1 74 24.3 6 1.9 164 53.6

35 to 44 years 166 14.5 31 18.9 31 18.6 41 25.0 59 35.7 3 1.8 62 37.5

45 to 54 years 188 16.5 32 17.2 23 12.5 53 28.4 74 39.5 5 2.4 56 29.6

55 to 64 years 184 16.1 23 12.4 29 15.8 40 21.5 80 43.7 12 6.6 52 28.1

65 years or more 298 26.1 24 8.0 50 16.6 60 20.3 160 53.6 4 1.4 74 24.7

Education

No high school degree 200 17.5 52 26.2 31 15.4 41 20.3 73 36.4 3 1.7 83 41.6

High school degree 396 34.7 71 17.9 83 20.9 107 27.0 131 33.0 5 1.2 154 38.9

Some college 321 28.1 52 16.1 57 17.7 66 20.6 130 40.7 16 4.9 108 33.8

College degree 226 19.8 13 5.5 49 21.9 43 19.1 115 50.7 6 2.8 62 27.4

Household Income

Less than $15,000 259 22.7 49 19.0 62 23.9 53 20.5 86 33.1 9 3.5 111 42.9

Between $15,000 and $30,000 264 23.1 64 24.2 59 22.2 50 18.8 89 33.9 2 0.9 123 46.4

Between $30,000 and $50,000 280 24.5 53 19.0 41 14.7 63 22.6 118 42.3 4 1.5 94 33.7

Between $50,000 and $75,000 167 14.7 12 7.1 29 17.1 65 38.7 54 32.5 8 4.6 40 24.2

At Least $75,000 171 15.0 9 5.3 30 17.4 26 15.0 100 58.4 7 4.0 39 22.6

Homeownership

Homeowner 728 63.7 71 9.8 109 14.9 175 24.0 354 48.6 20 2.7 180 24.7

Non-homeowner 414 36.3 116 28.1 111 26.9 82 19.7 95 22.8 10 2.5 228 54.9

Noes: 

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as 

having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 

months. The unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use 

rent-to-own agreements or refund anticipation loans in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table C-17 Use of AFS by Banking Status: California

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 13,191 100.0 1,030 100.0 2,374 100.0 9,355 100.0 432 100.0

Any AFS

Has Ever Used 5,047 38.3 757 73.5 2,374 100.0 1,846 19.7 0 0.0

Has Never Used 7,722 58.5 213 20.7 0 0.0 7,509 80.3 0 0.0

Unknown 422 3.2 60 5.8 0 0.0 0 0.0 363 83.9

Non-Bank Money Order

Has Ever Used 3,600 27.3 629 61.1 1,670 70.3 1,256 13.4 45 10.3

Has Never Used 9,252 70.1 337 32.8 700 29.5 8,098 86.6 116 26.7

Unknown 339 2.6 63 6.1 4 0.2 0 0.0 272 62.9

Non-Bank Check Cashing

Has Ever Used 1,482 11.2 533 51.7 640 27.0 296 3.2 13 2.9

Has Never Used 11,392 86.4 441 42.8 1,728 72.8 9,058 96.8 165 38.2

Unknown 317 2.4 57 5.5 6 0.3 0 0.0 254 58.8

Non-Bank Remittances

Has Ever Used 1,272 9.6 207 20.1 766 32.3 288 3.1 11 2.5

Has Never Used 11,519 87.3 750 72.8 1,589 66.9 9,067 96.9 113 26.1

Unknown 400 3.0 74 7.1 18 0.8 0 0.0 308 71.4

Payday Lending

Has Ever Used 676 5.1 65 6.3 404 17.0 200 2.1 7 1.5

Has Never Used 12,124 91.9 886 86.0 1,952 82.2 9,155 97.9 131 30.4

Unknown 391 3.0 80 7.7 18 0.7 0 0.0 294 68.1

Pawn Shops

Has Ever Used 762 5.8 125 12.1 436 18.4 200 2.1 - -

Has Never Used 12,013 91.1 816 79.2 1,919 80.8 9,155 97.9 123 28.5

Unknown 417 3.2 89 8.7 19 0.8 0 0.0 309 71.5

Rent-to-Own

Has Ever Used 331 2.5 77 7.5 174 7.3 80 0.9 - -

Has Never Used 12,457 94.4 874 84.9 2,182 91.9 9,275 99.1 125 29.0

Unknown 404 3.1 79 7.6 18 0.8 0 0.0 307 71.0

Refund Anticipation Loans

Has Ever Used 293 2.2 48 4.6 160 6.7 86 0.9 - -

Has Never Used 12,489 94.7 903 87.6 2,200 92.7 9,269 99.1 117 27.1

Unknown 409 3.1 80 7.8 14 0.6 0 0.0 315 72.9

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that the true value is only slightly greater than zero.

Table C-18 Timing of AFS Use by Banking Status: California

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 13,191 100.0 1,030 100.0 2,374 100.0 9,355 100.0 432 100.0

Any AFS

In Last 30 Days 1,717 13.0 557 54.1 1,160 48.9 0 0.0 0 0.0

In Last 2-12 Months 1,339 10.2 125 12.1 1,214 51.1 0 0.0 0 0.0

Not in the Last 12 Months 1,991 15.1 76 7.3 0 0.0 1,846 19.7 70 16.1

Never Used 7,722 58.5 213 20.7 0 0.0 7,509 80.3 0 0.0

Unknown 422 3.2 60 5.8 0 0.0 0 0.0 363 83.9

Non-Bank Money Order

In Last 30 Days 1,087 8.2 429 41.7 658 27.7 0 0.0 - -

In Last 2-12 Months 913 6.9 102 9.9 811 34.1 0 0.0 - -

Not in the Last 12 Months 1,600 12.1 98 9.5 201 8.5 1,256 13.4 45 10.3

Never Used 9,252 70.1 337 32.8 700 29.5 8,098 86.6 116 26.7

Unknown 339 2.6 63 6.1 4 0.2 - - 272 62.9

Non-Bank Check Cashing

In Last 30 Days 631 4.8 349 33.9 282 11.9 0 0.0 - -

In Last 2-12 Months 362 2.7 121 11.7 241 10.2 0 0.0 - -

Not in the Last 12 Months 489 3.7 63 6.1 117 4.9 296 3.2 13 2.9

Never Used 11,392 86.4 441 42.8 1,728 72.8 9,058 96.8 165 38.2

Unknown 317 2.4 57 5.5 6 0.3 - - 254 58.8

Non-Bank Remittances

In Last 30 Days 346 2.6 87 8.4 259 10.9 0 0.0 - -

In Last 2-12 Months 489 3.7 76 7.3 414 17.4 0 0.0 - -

Not in the Last 12 Months 437 3.3 44 4.3 94 3.9 288 3.1 11 2.5

Never Used 11,519 87.3 750 72.8 1,589 66.9 9,067 96.9 113 26.1

Unknown 400 3.0 74 7.1 18 0.8 - - 308 71.4

Payday Lending

In Last 30 Days 118 0.9 - - 118 5.0 0 0.0 - -

In Last 2-12 Months 124 0.9 8 0.8 116 4.9 0 0.0 - -

Not in the Last 12 Months 434 3.3 57 5.5 170 7.2 200 2.1 7 1.5

Never Used 12,124 91.9 886 86.0 1,952 82.2 9,155 97.9 131 30.4

Unknown 391 3.0 80 7.7 18 0.7 - - 294 68.1
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table C-18 Timing of AFS Use by Banking Status: California

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Pawn Shops

In Last 30 Days 64 0.5 7 0.7 57 2.4 0 0.0 - -

In Last 2-12 Months 178 1.3 53 5.1 125 5.3 0 0.0 - -

Not in the Last 12 Months 519 3.9 65 6.3 254 10.7 200 2.1 - -

Never Used 12,013 91.1 816 79.2 1,919 80.8 9,155 97.9 123 28.5

Unknown 417 3.2 89 8.7 19 0.8 - - 309 71.5

Rent-to-Owna

Used in last 12 months 98 0.7 52 5.1 46 1.9 0 0.0 - -

Used but not in last 12 months 233 1.8 25 2.4 129 5.4 80 0.9 - -

Never Used 12,457 94.4 874 84.9 2,182 91.9 9,275 99.1 125 29.0

Unknown 404 3.1 79 7.6 18 0.8 - - 307 71.0

Refund Anticipation Loansa

Used in last 12 months 104 0.8 28 2.7 76 3.2 0 0.0 - -

Used but not in last 12 months 189 1.4 20 1.9 83 3.5 86 0.9 - -

Never Used 12,489 94.7 903 87.6 2,200 92.7 9,269 99.1 117 27.1

Unknown 409 3.1 80 7.8 14 0.6 - - 315 72.9

Notes:

Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are 

categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as 

having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. a Households were not asked whether they used these AFS products in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

Table C-19 Use of AFS by Household Characteristic: California

Household Characteristic

All Households

Use of AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used a 

Transaction AFS Ever Used a Credit AFS

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 13,191 100.0 5,047 38.3 7,722 58.5 422 3.2 4,674 35.4 1,463 11.1

Banking Status

Unbanked 1,030 7.8 757 73.5 213 20.7 60 5.8 743 72.1 227 22.0

Underbanked 2,374 18.0 2,374 100.0 0 0.0 0 0.0 2,264 95.3 762 32.1

Fully Banked 9,355 70.9 1,846 19.7 7,509 80.3 0 0.0 1,605 17.2 468 5.0

Banked but Underbanked Status Unknown 432 3.3 70 16.1 - - 363 83.9 63 14.5 7 1.5

Household Type

Family household 8,815 66.8 3,529 40.0 5,037 57.1 249 2.8 3,278 37.2 1,017 11.5

Female householder, no husband present 1,792 13.6 929 51.9 826 46.1 37 2.1 859 47.9 317 17.7

Male householder, no wife present 891 6.8 430 48.3 416 46.7 45 5.0 406 45.6 144 16.2

Married couple 6,132 46.5 2,170 35.4 3,795 61.9 167 2.7 2,013 32.8 555 9.1

Nonfamily household 4,368 33.1 1,518 34.7 2,677 61.3 174 4.0 1,396 31.9 447 10.2

Female householder 2,180 16.5 676 31.0 1,403 64.4 100 4.6 610 28.0 195 8.9

Male householder 2,189 16.6 842 38.5 1,273 58.2 74 3.4 785 35.9 252 11.5

Other 8 0.1 NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 1,009 7.6 621 61.5 342 33.9 46 4.6 597 59.2 316 31.3

Hispanic non-Black 3,579 27.1 1,748 48.8 1,724 48.2 108 3.0 1,622 45.3 417 11.6

White non-Black non-Hispanic 6,774 51.4 2,201 32.5 4,344 64.1 229 3.4 1,993 29.4 630 9.3

Other non-Black non-Hispanic 1,830 13.9 478 26.1 1,312 71.7 40 2.2 462 25.2 101 5.5

Age

15 to 34 years 3,050 23.1 1,303 42.7 1,666 54.6 82 2.7 1,235 40.5 380 12.5

35 to 44 years 2,458 18.6 1,088 44.2 1,326 53.9 45 1.8 1,011 41.1 313 12.7

45 to 54 years 2,760 20.9 1,090 39.5 1,565 56.7 105 3.8 1,001 36.3 365 13.2

55 to 64 years 2,343 17.8 829 35.4 1,437 61.3 76 3.3 760 32.4 265 11.3

65 years or more 2,580 19.6 737 28.6 1,728 67.0 115 4.5 668 25.9 139 5.4

Education

No high school degree 1,943 14.7 1,031 53.1 860 44.3 52 2.7 967 49.7 229 11.8

High school degree 2,775 21.0 1,200 43.2 1,462 52.7 114 4.1 1,119 40.3 423 15.2

Some college 3,823 29.0 1,592 41.7 2,121 55.5 110 2.9 1,430 37.4 591 15.5

College degree 4,650 35.3 1,223 26.3 3,279 70.5 147 3.2 1,159 24.9 220 4.7

Household Income

Less than $15,000 1,706 12.9 780 45.8 862 50.5 63 3.7 737 43.2 304 17.8

Between $15,000 and $30,000 2,358 17.9 1,115 47.3 1,157 49.1 85 3.6 994 42.1 409 17.3

Between $30,000 and $50,000 2,484 18.8 1,170 47.1 1,247 50.2 67 2.7 1,071 43.1 309 12.5

Between $50,000 and $75,000 2,503 19.0 884 35.3 1,527 61.0 92 3.7 826 33.0 274 10.9

At Least $75,000 4,141 31.4 1,098 26.5 2,929 70.7 114 2.8 1,046 25.3 168 4.0

Homeownership

Homeowner 7,257 55.0 2,140 29.5 4,853 66.9 264 3.6 1,990 27.4 471 6.5

Non-homeowner 5,934 45.0 2,907 49.0 2,869 48.4 158 2.7 2,684 45.2 993 16.7

Notes:

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund 

anticipation loans.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table C-20 Timing of AFS Use by Household Characteristic: California

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 Daysb In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Used AFS in the Last 

Year

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 13,191 100.0 1,717 13.0 1,339 10.2 1,991 15.1 7,722 58.5 422 3.2 3,056 23.2

Banking Status

Unbanked 1,030 7.8 557 54.1 125 12.1 76 7.3 213 20.7 60 5.8 682 66.2

Underbanked 2,374 18.0 1,160 48.9 1,214 51.1 0 0.0 0 0.0 0 0.0 2,374 100.0

Fully Banked 9,355 70.9 0 0.0 0 0.0 1,846 19.7 7,509 80.3 0 0.0 0 0.0

Banked but Underbanked Status Unknown 432 3.3 0 0.0 0 0.0 70 16.1 0 0.0 363 83.9 0 0.0

Household Type

Family household 8,815 66.8 1,296 14.7 987 11.2 1,247 14.1 5,037 57.1 249 2.8 2,282 25.9

Female householder, no husband present 1,792 13.6 421 23.5 262 14.6 246 13.7 826 46.1 37 2.1 683 38.1

Male householder, no wife present 891 6.8 203 22.8 117 13.1 110 12.4 416 46.7 45 5.0 320 35.9

Married couple 6,132 46.5 672 11.0 607 9.9 891 14.5 3,795 61.9 167 2.7 1,279 20.9

Nonfamily household 4,368 33.1 421 9.6 353 8.1 744 17.0 2,677 61.3 174 4.0 774 17.7

Female householder 2,180 16.5 176 8.1 168 7.7 333 15.3 1,403 64.4 100 4.6 344 15.8

Male householder 2,189 16.6 245 11.2 185 8.4 411 18.8 1,273 58.2 74 3.4 430 19.6

Other 8 0.1 NA NA NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 1,009 7.6 303 30.0 172 17.1 146 14.4 342 33.9 46 4.6 475 47.1

Hispanic non-Black 3,579 27.1 800 22.3 471 13.2 477 13.3 1,724 48.2 108 3.0 1,271 35.5

White non-Black non-Hispanic 6,774 51.4 469 6.9 544 8.0 1,188 17.5 4,344 64.1 229 3.4 1,013 15.0

Other non-Black non-Hispanic 1,830 13.9 146 8.0 151 8.3 180 9.8 1,312 71.7 40 2.2 298 16.3

Age

15 to 34 years 3,050 23.1 545 17.9 367 12.0 391 12.8 1,666 54.6 82 2.7 912 29.9

35 to 44 years 2,458 18.6 435 17.7 298 12.1 355 14.4 1,326 53.9 45 1.8 733 29.8

45 to 54 years 2,760 20.9 371 13.4 302 10.9 418 15.1 1,565 56.7 105 3.8 672 24.4

55 to 64 years 2,343 17.8 235 10.0 201 8.6 394 16.8 1,437 61.3 76 3.3 436 18.6

65 years or more 2,580 19.6 132 5.1 172 6.7 433 16.8 1,728 67.0 115 4.5 303 11.8

Education

No high school degree 1,943 14.7 555 28.6 227 11.7 249 12.8 860 44.3 52 2.7 783 40.3

High school degree 2,775 21.0 451 16.3 364 13.1 385 13.9 1,462 52.7 114 4.1 815 29.4

Some college 3,823 29.0 482 12.6 417 10.9 693 18.1 2,121 55.5 110 2.9 899 23.5

College degree 4,650 35.3 228 4.9 331 7.1 664 14.3 3,279 70.5 147 3.2 559 12.0

Household Income

Less than $15,000 1,706 12.9 433 25.4 145 8.5 202 11.8 862 50.5 63 3.7 578 33.9

Between $15,000 and $30,000 2,358 17.9 481 20.4 285 12.1 349 14.8 1,157 49.1 85 3.6 767 32.5

Between $30,000 and $50,000 2,484 18.8 384 15.5 354 14.3 431 17.4 1,247 50.2 67 2.7 739 29.7

Between $50,000 and $75,000 2,503 19.0 224 8.9 282 11.3 378 15.1 1,527 61.0 92 3.7 506 20.2

At Least $75,000 4,141 31.4 195 4.7 272 6.6 631 15.2 2,929 70.7 114 2.8 467 11.3

Homeownership

Homeowner 7,257 55.0 398 5.5 638 8.8 1,104 15.2 4,853 66.9 264 3.6 1,036 14.3

Non-homeowner 5,934 45.0 1,318 22.2 701 11.8 887 14.9 2,869 48.4 158 2.7 2,020 34.0

Notes:

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as having 

used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 months. The 

unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use 

rent-to-own agreements or refund anticipation loans in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table C-21 Use of AFS by Banking Status: Colorado

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 1,974 100.0 107 100.0 317 100.0 1,510 100.0 NA NA

Any AFS

Has Ever Used 843 42.7 83 77.5 317 100.0 436 28.9 NA NA

Has Never Used 1,096 55.5 22 20.7 0 0.0 1,074 71.1 NA NA

Unknown 35 1.8 2 1.8 0 0.0 0 0.0 NA NA

Non-Bank Money Order

Has Ever Used 623 31.6 57 53.5 242 76.3 318 21.0 NA NA

Has Never Used 1,317 66.7 45 42.4 74 23.2 1,192 79.0 NA NA

Unknown 33 1.7 4 4.1 2 0.5 0 0.0 NA NA

Non-Bank Check Cashing

Has Ever Used 209 10.6 48 45.0 94 29.8 67 4.4 NA NA

Has Never Used 1,729 87.6 57 53.2 219 69.0 1,443 95.6 NA NA

Unknown 36 1.8 2 1.8 4 1.3 0 0.0 NA NA

Non-Bank Remittances

Has Ever Used 88 4.5 13 12.4 51 16.0 25 1.6 NA NA

Has Never Used 1,847 93.6 87 81.7 265 83.4 1,485 98.4 NA NA

Unknown 38 1.9 6 6.0 2 0.6 0 0.0 NA NA

Payday Lending

Has Ever Used 116 5.9 14 13.1 71 22.4 31 2.0 NA NA

Has Never Used 1,815 92.0 86 80.9 241 76.0 1,479 98.0 NA NA

Unknown 43 2.2 6 6.0 5 1.7 0 0.0 NA NA

Pawn Shops

Has Ever Used 189 9.6 30 27.8 102 32.2 57 3.8 NA NA

Has Never Used 1,743 88.3 71 66.2 212 66.7 1,453 96.2 NA NA

Unknown 42 2.1 6 6.0 3 1.1 0 0.0 NA NA

Rent-to-Own

Has Ever Used 98 5.0 14 13.1 44 13.9 40 2.7 NA NA

Has Never Used 1,838 93.1 86 80.9 271 85.6 1,470 97.3 NA NA

Unknown 38 1.9 6 6.0 2 0.6 0 0.0 NA NA

Refund Anticipation Loans

Has Ever Used 72 3.6 16 14.7 33 10.4 23 1.5 NA NA

Has Never Used 1,864 94.4 85 79.3 282 89.0 1,487 98.5 NA NA

Unknown 38 1.9 6 6.0 2 0.6 0 0.0 NA NA

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-22 Timing of AFS Use by Banking Status: Colorado

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 1,974 100.0 107 100.0 317 100.0 1,510 100.0 NA NA

Any AFS

In Last 30 Days 165 8.4 56 52.9 109 34.3 0 0.0 NA NA

In Last 2-12 Months 225 11.4 16 15.4 208 65.7 0 0.0 NA NA

Not in the Last 12 Months 453 22.9 10 9.2 0 0.0 436 28.9 NA NA

Never Used 1,096 55.5 22 20.7 0 0.0 1,074 71.1 NA NA

Unknown 35 1.8 2 1.8 0 0.0 0 0.0 NA NA

Non-Bank Money Order

In Last 30 Days 96 4.9 39 36.8 57 18.0 0 0.0 NA NA

In Last 2-12 Months 160 8.1 12 11.0 148 46.6 0 0.0 NA NA

Not in the Last 12 Months 367 18.6 6 5.7 37 11.6 318 21.0 NA NA

Never Used 1,317 66.7 45 42.4 74 23.2 1,192 79.0 NA NA

Unknown 33 1.7 4 4.1 2 0.5 - - NA NA

Non-Bank Check Cashing

In Last 30 Days 44 2.2 24 22.1 20 6.5 0 0.0 NA NA

In Last 2-12 Months 61 3.1 18 16.7 44 13.7 0 0.0 NA NA

Not in the Last 12 Months 104 5.3 7 6.2 30 9.6 67 4.4 NA NA

Never Used 1,729 87.6 57 53.2 219 69.0 1,443 95.6 NA NA

Unknown 36 1.8 2 1.8 4 1.3 - - NA NA

Non-Bank Remittances

In Last 30 Days 17 0.9 9 8.4 8 2.6 0 0.0 NA NA

In Last 2-12 Months 38 1.9 2 2.2 36 11.2 0 0.0 NA NA

Not in the Last 12 Months 33 1.7 2 1.8 7 2.1 25 1.6 NA NA

Never Used 1,847 93.6 87 81.7 265 83.4 1,485 98.4 NA NA

Unknown 38 1.9 6 6.0 2 0.6 - - NA NA

Payday Lending

In Last 30 Days 16 0.8 - - 16 5.1 0 0.0 NA NA

In Last 2-12 Months 31 1.6 2 2.0 29 9.2 0 0.0 NA NA

Not in the Last 12 Months 69 3.5 12 11.2 26 8.1 31 2.0 NA NA

Never Used 1,815 92.0 86 80.9 241 76.0 1,479 98.0 NA NA

Unknown 43 2.2 6 6.0 5 1.7 - - NA NA
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table C-22 Timing of AFS Use by Banking Status: Colorado

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Pawn Shops

In Last 30 Days 22 1.1 8 7.0 15 4.7 0 0.0 NA NA

In Last 2-12 Months 42 2.1 7 6.1 36 11.3 0 0.0 NA NA

Not in the Last 12 Months 124 6.3 16 14.7 51 16.2 57 3.8 NA NA

Never Used 1,743 88.3 71 66.2 212 66.7 1,453 96.2 NA NA

Unknown 42 2.1 6 6.0 3 1.1 - - NA NA

Rent-to-Owna

Used in last 12 months 20 1.0 4 3.8 16 5.2 0 0.0 NA NA

Used but not in last 12 months 78 3.9 10 9.3 28 8.7 40 2.7 NA NA

Never Used 1,838 93.1 86 80.9 271 85.6 1,470 97.3 NA NA

Unknown 38 1.9 6 6.0 2 0.6 - - NA NA

Refund Anticipation Loansa

Used in last 12 months 22 1.1 8 7.6 14 4.4 0 0.0 NA NA

Used but not in last 12 months 49 2.5 8 7.1 19 6.0 23 1.5 NA NA

Never Used 1,864 94.4 85 79.3 282 89.0 1,487 98.5 NA NA

Unknown 38 1.9 6 6.0 2 0.6 - - NA NA

Notes:

Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. a Households were not asked whether they used these AFS products in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-23 Use of AFS by Household Characteristic: Colorado

Household Characteristic

All Households

Use of AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used a Transaction 

AFS Ever Used a Credit AFS

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 1,974 100.0 843 42.7 1,096 55.5 35 1.8 735 37.3 346 17.5

Banking Status

Unbanked 107 5.4 83 77.5 22 20.7 2 1.8 75 70.2 50 46.5

Underbanked 317 16.1 317 100.0 0 0.0 0 0.0 285 89.7 163 51.4

Fully Banked 1,510 76.5 436 28.9 1,074 71.1 0 0.0 369 24.5 133 8.8

Banked but Underbanked Status Unknown 40 2.0 NA NA NA NA NA NA NA NA NA NA

Household Type

Family household 1,292 65.4 536 41.5 740 57.3 16 1.3 470 36.4 212 16.4

Female householder, no husband present 197 10.0 113 57.5 79 39.9 5 2.5 103 52.4 62 31.5

Male householder, no wife present 75 3.8 32 43.0 42 57.0 - - 22 29.2 15 20.3

Married couple 1,020 51.7 390 38.3 618 60.6 11 1.1 345 33.8 135 13.2

Nonfamily household 680 34.5 307 45.2 354 52.1 19 2.8 266 39.1 133 19.6

Female householder 372 18.9 147 39.5 213 57.2 12 3.3 133 35.7 53 14.1

Male householder 308 15.6 160 52.1 141 45.8 7 2.2 133 43.1 81 26.2

Other 2 0.1 NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 79 4.0 37 47.1 38 48.9 3 4.0 33 41.6 22 27.7

Hispanic non-Black 271 13.7 151 55.9 114 42.1 5 2.0 129 47.6 71 26.0

White non-Black non-Hispanic 1,574 79.7 632 40.1 915 58.2 27 1.7 551 35.0 249 15.8

Other non-Black non-Hispanic 50 2.5 NA NA NA NA NA NA NA NA NA NA

Age

15 to 34 years 492 24.9 262 53.2 228 46.3 2 0.5 229 46.6 107 21.6

35 to 44 years 383 19.4 178 46.4 195 50.7 11 2.9 150 39.1 90 23.6

45 to 54 years 355 18.0 152 42.7 198 55.8 5 1.5 135 38.1 69 19.3

55 to 64 years 363 18.4 133 36.6 215 59.4 14 4.0 115 31.7 52 14.5

65 years or more 380 19.3 119 31.3 259 68.2 2 0.5 106 27.9 28 7.3

Education

No high school degree 141 7.2 84 59.8 53 37.7 4 2.6 77 54.5 37 26.1

High school degree 394 20.0 179 45.3 207 52.6 8 2.1 141 35.9 89 22.6

Some college 596 30.2 311 52.2 279 46.8 6 0.9 267 44.8 154 25.9

College degree 843 42.7 269 31.9 556 66.0 18 2.1 250 29.7 65 7.7

Household Income

Less than $15,000 233 11.8 129 55.1 105 44.9 - - 124 53.1 60 25.6

Between $15,000 and $30,000 267 13.5 139 51.9 122 45.6 7 2.4 106 39.8 83 30.9

Between $30,000 and $50,000 435 22.0 188 43.3 237 54.5 9 2.2 165 38.0 81 18.6

Between $50,000 and $75,000 372 18.8 184 49.6 180 48.3 8 2.2 169 45.3 56 15.1

At Least $75,000 667 33.8 203 30.4 452 67.9 11 1.7 171 25.7 66 10.0

Homeownership

Homeowner 1,331 67.4 461 34.7 840 63.1 29 2.2 410 30.8 147 11.0

Non-homeowner 643 32.6 381 59.3 256 39.8 6 0.9 326 50.7 199 30.9

Notes:

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund 

anticipation loans.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table C-24 Timing of AFS Use by Household Characteristic: Colorado

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 Daysb In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Used AFS in the Last 

Year

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 1,974 100.0 165 8.4 225 11.4 453 22.9 1,096 55.5 35 1.8 390 19.8

Banking Status

Unbanked 107 5.4 56 52.9 16 15.4 10 9.2 22 20.7 2 1.8 73 68.3

Underbanked 317 16.1 109 34.3 208 65.7 0 0.0 0 0.0 0 0.0 317 100.0

Fully Banked 1,510 76.5 0 0.0 0 0.0 436 28.9 1,074 71.1 0 0.0 0 0.0

Banked but Underbanked Status Unknown 40 2.0 0 0.0 0 0.0 NA NA 0 0.0 NA NA 0 0.0

Household Type

Family household 1,292 65.4 103 8.0 161 12.5 272 21.0 740 57.3 16 1.3 264 20.4

Female householder, no husband present 197 10.0 39 19.9 43 21.8 31 15.8 79 39.9 5 2.5 82 41.7

Male householder, no wife present 75 3.8 8 10.8 12 15.7 12 16.6 42 57.0 - - 20 26.5

Married couple 1,020 51.7 56 5.5 106 10.4 228 22.4 618 60.6 11 1.1 162 15.9

Nonfamily household 680 34.5 62 9.2 64 9.4 181 26.6 354 52.1 19 2.8 126 18.6

Female householder 372 18.9 29 7.8 21 5.6 97 26.1 213 57.2 12 3.3 50 13.4

Male householder 308 15.6 33 10.8 43 14.0 84 27.2 141 45.8 7 2.2 76 24.8

Other 2 0.1 NA NA NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 79 4.0 17 21.7 8 10.7 12 14.7 38 48.9 3 4.0 26 32.5

Hispanic non-Black 271 13.7 55 20.3 50 18.6 46 17.0 114 42.1 5 2.0 105 38.9

White non-Black non-Hispanic 1,574 79.7 89 5.7 154 9.8 388 24.7 915 58.2 27 1.7 243 15.5

Other non-Black non-Hispanic 50 2.5 NA NA NA NA NA NA NA NA NA NA NA NA

Age

15 to 34 years 492 24.9 66 13.5 85 17.2 110 22.4 228 46.3 2 0.5 151 30.7

35 to 44 years 383 19.4 40 10.3 50 13.1 88 23.0 195 50.7 11 2.9 90 23.4

45 to 54 years 355 18.0 22 6.2 36 10.1 94 26.5 198 55.8 5 1.5 58 16.2

55 to 64 years 363 18.4 17 4.6 35 9.5 82 22.5 215 59.4 14 4.0 51 14.1

65 years or more 380 19.3 21 5.5 20 5.2 79 20.6 259 68.2 2 0.5 40 10.6

Education

No high school degree 141 7.2 40 28.1 22 15.3 23 16.3 53 37.7 4 2.6 61 43.5

High school degree 394 20.0 40 10.2 42 10.7 96 24.3 207 52.6 8 2.1 83 21.0

Some college 596 30.2 56 9.5 96 16.1 158 26.6 279 46.8 6 0.9 153 25.6

College degree 843 42.7 29 3.4 65 7.7 175 20.8 556 66.0 18 2.1 94 11.1

Household Income

Less than $15,000 233 11.8 47 20.2 24 10.2 58 24.7 105 44.9 - - 71 30.4

Between $15,000 and $30,000 267 13.5 43 16.2 36 13.6 59 22.1 122 45.6 7 2.4 80 29.8

Between $30,000 and $50,000 435 22.0 40 9.3 63 14.5 85 19.5 237 54.5 9 2.2 103 23.8

Between $50,000 and $75,000 372 18.8 15 3.9 50 13.5 120 32.1 180 48.3 8 2.2 65 17.4

At Least $75,000 667 33.8 20 3.0 51 7.7 131 19.7 452 67.9 11 1.7 72 10.7

Homeownership

Homeowner 1,331 67.4 48 3.6 123 9.2 291 21.9 840 63.1 29 2.2 170 12.8

Non-homeowner 643 32.6 118 18.3 102 15.9 162 25.1 256 39.8 6 0.9 220 34.2

Notes:

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as 

having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 

months. The unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use 

rent-to-own agreements or refund anticipation loans in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table C-25 Use of AFS by Banking Status: Connecticut

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 1,365 100.0 73 100.0 208 100.0 1,056 100.0 NA NA

Any AFS

Has Ever Used 419 30.7 40 54.6 208 100.0 170 16.1 NA NA

Has Never Used 916 67.1 30 41.5 0 0.0 886 83.9 NA NA

Unknown 30 2.2 3 3.9 0 0.0 0 0.0 NA NA

Non-Bank Money Order

Has Ever Used 306 22.4 27 37.7 156 74.8 122 11.5 NA NA

Has Never Used 1,040 76.2 44 60.7 52 25.2 934 88.5 NA NA

Unknown 19 1.4 1 1.6 - - 0 0.0 NA NA

Non-Bank Check Cashing

Has Ever Used 85 6.3 23 31.5 31 15.0 31 3.0 NA NA

Has Never Used 1,262 92.5 50 68.5 177 85.0 1,024 97.0 NA NA

Unknown 18 1.3 - - - - 0 0.0 NA NA

Non-Bank Remittances

Has Ever Used 67 4.9 9 12.7 46 22.2 11 1.1 NA NA

Has Never Used 1,276 93.5 61 83.8 160 77.1 1,044 98.9 NA NA

Unknown 22 1.6 3 3.5 1 0.7 0 0.0 NA NA

Payday Lending

Has Ever Used 16 1.2 1 1.8 5 2.3 10 0.9 NA NA

Has Never Used 1,328 97.3 68 92.7 202 97.0 1,046 99.1 NA NA

Unknown 20 1.5 4 5.5 1 0.7 0 0.0 NA NA

Pawn Shops

Has Ever Used 70 5.1 10 14.3 39 18.5 21 1.9 NA NA

Has Never Used 1,270 93.1 58 80.2 168 80.8 1,035 98.1 NA NA

Unknown 25 1.8 4 5.5 1 0.7 0 0.0 NA NA

Rent-to-Own

Has Ever Used 47 3.4 6 7.9 32 15.3 9 0.9 NA NA

Has Never Used 1,294 94.8 63 86.6 175 84.0 1,046 99.1 NA NA

Unknown 24 1.7 4 5.5 1 0.7 0 0.0 NA NA

Refund Anticipation Loans

Has Ever Used 36 2.6 9 12.2 17 8.4 9 0.9 NA NA

Has Never Used 1,302 95.4 60 82.3 189 90.9 1,046 99.1 NA NA

Unknown 27 2.0 4 5.5 1 0.7 0 0.0 NA NA

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-26 Timing of AFS Use by Banking Status: Connecticut

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 1,365 100.0 73 100.0 208 100.0 1,056 100.0 NA NA

Any AFS

In Last 30 Days 94 6.9 17 23.9 77 36.8 0 0.0 NA NA

In Last 2-12 Months 144 10.6 13 17.4 131 63.2 0 0.0 NA NA

Not in the Last 12 Months 181 13.2 10 13.3 0 0.0 170 16.1 NA NA

Never Used 916 67.1 30 41.5 0 0.0 886 83.9 NA NA

Unknown 30 2.2 3 3.9 0 0.0 0 0.0 NA NA

Non-Bank Money Order

In Last 30 Days 54 4.0 7 9.8 47 22.5 0 0.0 NA NA

In Last 2-12 Months 97 7.1 6 8.4 91 43.6 0 0.0 NA NA

Not in the Last 12 Months 155 11.4 14 19.5 18 8.6 122 11.5 NA NA

Never Used 1,040 76.2 44 60.7 52 25.2 934 88.5 NA NA

Unknown 19 1.4 1 1.6 - - - - NA NA

Non-Bank Check Cashing

In Last 30 Days 19 1.4 10 13.9 9 4.3 0 0.0 NA NA

In Last 2-12 Months 24 1.7 10 13.4 14 6.7 0 0.0 NA NA

Not in the Last 12 Months 43 3.1 3 4.2 9 4.1 31 3.0 NA NA

Never Used 1,262 92.5 50 68.5 177 85.0 1,024 97.0 NA NA

Unknown 18 1.3 - - - - - - NA NA

Non-Bank Remittances

In Last 30 Days 23 1.7 2 2.5 22 10.4 0 0.0 NA NA

In Last 2-12 Months 22 1.6 3 3.6 19 9.3 0 0.0 NA NA

Not in the Last 12 Months 21 1.6 5 6.6 5 2.5 11 1.1 NA NA

Never Used 1,276 93.5 61 83.8 160 77.1 1,044 98.9 NA NA

Unknown 22 1.6 3 3.5 1 0.7 - - NA NA

Payday Lending

In Last 30 Days 1 0.1 - - 1 0.5 0 0.0 NA NA

In Last 2-12 Months 1 0.1 - - 1 0.6 0 0.0 NA NA

Not in the Last 12 Months 14 1.0 1 1.8 2 1.2 10 0.9 NA NA

Never Used 1,328 97.3 68 92.7 202 97.0 1,046 99.1 NA NA

Unknown 20 1.5 4 5.5 1 0.7 - - NA NA
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table C-26 Timing of AFS Use by Banking Status: Connecticut

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Pawn Shops

In Last 30 Days 8 0.6 2 2.1 7 3.2 0 0.0 NA NA

In Last 2-12 Months 19 1.4 4 6.0 15 7.1 0 0.0 NA NA

Not in the Last 12 Months 42 3.1 5 6.2 17 8.2 21 1.9 NA NA

Never Used 1,270 93.1 58 80.2 168 80.8 1,035 98.1 NA NA

Unknown 25 1.8 4 5.5 1 0.7 - - NA NA

Rent-to-Owna

Used in last 12 months 18 1.3 3 3.8 15 7.4 0 0.0 NA NA

Used but not in last 12 months 29 2.1 3 4.1 17 7.9 9 0.9 NA NA

Never Used 1,294 94.8 63 86.6 175 84.0 1,046 99.1 NA NA

Unknown 24 1.7 4 5.5 1 0.7 - - NA NA

Refund Anticipation Loansa

Used in last 12 months 9 0.7 4 5.4 5 2.6 0 0.0 NA NA

Used but not in last 12 months 26 1.9 5 6.8 12 5.8 9 0.9 NA NA

Never Used 1,302 95.4 60 82.3 189 90.9 1,046 99.1 NA NA

Unknown 27 2.0 4 5.5 1 0.7 - - NA NA

Notes:

Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. a Households were not asked whether they used these AFS products in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-27 Use of AFS by Household Characteristic: Connecticut

Household Characteristic

All Households

Use of AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used a 

Transaction AFS Ever Used a Credit AFS

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 1,365 100.0 419 30.7 916 67.1 30 2.2 377 27.6 124 9.1

Banking Status

Unbanked 73 5.3 40 54.6 30 41.5 3 3.9 39 53.0 15 19.9

Underbanked 208 15.2 208 100.0 0 0.0 0 0.0 192 92.5 69 32.9

Fully Banked 1,056 77.3 170 16.1 886 83.9 0 0.0 145 13.7 41 3.9

Banked but Underbanked Status Unknown 28 2.1 NA NA NA NA NA NA NA NA NA NA

Household Type

Family household 895 65.6 287 32.1 594 66.4 13 1.5 258 28.8 83 9.3

Female householder, no husband present 152 11.2 71 46.8 81 53.2 - - 63 41.1 31 20.5

Male householder, no wife present 48 3.5 16 32.8 31 64.3 1 2.9 14 30.0 5 9.4

Married couple 694 50.9 200 28.8 482 69.5 12 1.7 181 26.0 48 6.9

Nonfamily household 469 34.3 132 28.1 320 68.4 17 3.5 119 25.4 40 8.6

Female householder 248 18.2 68 27.6 174 70.1 6 2.3 61 24.7 24 9.6

Male householder 220 16.1 63 28.6 146 66.4 11 4.9 58 26.2 17 7.6

Other 1 0.1 NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 130 9.5 79 61.1 43 32.8 8 6.1 72 55.2 30 23.1

Hispanic non-Black 112 8.2 56 49.8 53 47.7 3 2.5 49 43.4 24 21.2

White non-Black non-Hispanic 1,072 78.6 274 25.6 779 72.6 19 1.8 247 23.0 69 6.4

Other non-Black non-Hispanic 51 3.7 10 19.0 41 81.0 - - 10 19.0 1 2.5

Age

15 to 34 years 222 16.3 82 36.9 138 61.8 3 1.2 72 32.5 30 13.3

35 to 44 years 266 19.5 87 32.7 170 64.1 8 3.1 81 30.4 28 10.5

45 to 54 years 319 23.4 102 32.0 209 65.6 8 2.4 89 27.8 38 11.9

55 to 64 years 258 18.9 85 32.9 167 64.9 6 2.3 78 30.4 14 5.6

65 years or more 300 22.0 63 20.9 232 77.2 6 1.8 57 18.9 14 4.7

Education

No high school degree 131 9.6 50 38.5 78 59.4 3 2.2 46 35.1 17 12.9

High school degree 403 29.5 148 36.8 242 60.1 13 3.1 135 33.5 54 13.4

Some college 309 22.6 107 34.6 197 64.0 4 1.4 90 29.3 40 12.9

College degree 523 38.3 114 21.7 399 76.3 10 1.9 105 20.2 13 2.5

Household Income

Less than $15,000 164 12.0 69 42.2 90 55.0 5 2.8 62 37.7 27 16.3

Between $15,000 and $30,000 190 13.9 78 40.9 106 55.7 6 3.4 72 38.1 28 14.9

Between $30,000 and $50,000 200 14.7 53 26.4 143 71.1 5 2.5 47 23.7 14 6.8

Between $50,000 and $75,000 247 18.1 75 30.3 169 68.6 3 1.1 61 24.7 25 10.3

At Least $75,000 564 41.3 144 25.6 408 72.4 11 2.0 134 23.8 30 5.3

Homeownership

Homeowner 976 71.5 228 23.4 728 74.5 20 2.1 208 21.3 52 5.3

Non-homeowner 389 28.5 190 49.0 188 48.5 10 2.5 169 43.4 72 18.5

Notes: 

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund 

anticipation loans.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table C-28 Timing of AFS Use by Household Characteristic: Connecticut

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 Daysb In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Used AFS in the Last 

Year

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 1,365 100.0 94 6.9 144 10.6 181 13.2 916 67.1 30 2.2 238 17.4

Banking Status

Unbanked 73 5.3 17 23.9 13 17.4 10 13.3 30 41.5 3 3.9 30 41.3

Underbanked 208 15.2 77 36.8 131 63.2 0 0.0 0 0.0 0 0.0 208 100.0

Fully Banked 1,056 77.3 0 0.0 0 0.0 170 16.1 886 83.9 0 0.0 0 0.0

Banked but Underbanked Status Unknown 28 2.1 0 0.0 0 0.0 NA NA 0 0.0 NA NA 0 0.0

Household Type

Family household 895 65.6 61 6.9 105 11.7 121 13.5 594 66.4 13 1.5 166 18.6

Female householder, no husband present 152 11.2 26 17.4 25 16.4 20 13.1 81 53.2 - - 51 33.7

Male householder, no wife present 48 3.5 3 6.2 6 12.8 7 13.8 31 64.3 1 2.9 9 19.0

Married couple 694 50.9 32 4.6 74 10.6 94 13.6 482 69.5 12 1.7 106 15.2

Nonfamily household 469 34.3 33 7.0 39 8.3 60 12.8 320 68.4 17 3.5 72 15.3

Female householder 248 18.2 15 6.1 20 8.1 33 13.3 174 70.1 6 2.3 35 14.2

Male householder 220 16.1 17 7.9 19 8.6 27 12.2 146 66.4 11 4.9 36 16.5

Other 1 0.1 NA NA NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 130 9.5 32 24.8 30 23.4 17 13.0 43 32.8 8 6.1 62 48.1

Hispanic non-Black 112 8.2 21 18.7 21 18.8 14 12.3 53 47.7 3 2.5 42 37.5

White non-Black non-Hispanic 1,072 78.6 38 3.6 90 8.4 146 13.6 779 72.6 19 1.8 128 12.0

Other non-Black non-Hispanic 51 3.7 3 5.5 3 5.2 4 8.2 41 81.0 - - 5 10.8

Age

15 to 34 years 222 16.3 22 9.8 35 15.8 25 11.3 138 61.8 3 1.2 57 25.6

35 to 44 years 266 19.5 25 9.3 26 9.7 36 13.7 170 64.1 8 3.1 51 19.0

45 to 54 years 319 23.4 22 6.8 36 11.2 45 14.1 209 65.6 8 2.4 57 17.9

55 to 64 years 258 18.9 13 5.0 29 11.3 43 16.6 167 64.9 6 2.3 42 16.3

65 years or more 300 22.0 13 4.4 18 6.1 31 10.4 232 77.2 6 1.8 31 10.5

Education

No high school degree 131 9.6 17 12.7 23 17.2 11 8.5 78 59.4 3 2.2 39 29.9

High school degree 403 29.5 39 9.8 53 13.2 55 13.8 242 60.1 13 3.1 93 23.0

Some college 309 22.6 29 9.5 31 10.0 47 15.1 197 64.0 4 1.4 60 19.5

College degree 523 38.3 9 1.7 37 7.2 68 12.9 399 76.3 10 1.9 46 8.8

Household Income

Less than $15,000 164 12.0 24 14.7 23 14.0 22 13.5 90 55.0 5 2.8 47 28.7

Between $15,000 and $30,000 190 13.9 27 14.3 21 11.2 29 15.4 106 55.7 6 3.4 48 25.5

Between $30,000 and $50,000 200 14.7 12 6.2 26 12.9 15 7.3 143 71.1 5 2.5 38 19.0

Between $50,000 and $75,000 247 18.1 12 4.9 28 11.3 35 14.1 169 68.6 3 1.1 40 16.2

At Least $75,000 564 41.3 18 3.2 46 8.2 80 14.2 408 72.4 11 2.0 64 11.4

Homeownership

Homeowner 976 71.5 34 3.5 81 8.3 113 11.6 728 74.5 20 2.1 115 11.8

Non-homeowner 389 28.5 60 15.5 63 16.1 68 17.4 188 48.5 10 2.5 123 31.6

Notes:

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use rent-to-own agreements or refund anticipation loans in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table C-29 Use of AFS by Banking Status: Delaware

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 346 100.0 23 100.0 54 100.0 262 100.0 NA NA

Any AFS

Has Ever Used 119 34.5 17 73.4 54 100.0 48 18.1 NA NA

Has Never Used 219 63.4 4 18.8 0 0.0 215 81.9 NA NA

Unknown 7 2.2 2 7.8 0 0.0 0 0.0 NA NA

Non-Bank Money Order

Has Ever Used 102 29.5 14 59.9 48 88.8 40 15.2 NA NA

Has Never Used 236 68.4 7 31.9 6 11.2 222 84.8 NA NA

Unknown 7 2.1 2 8.2 - - 0 0.0 NA NA

Non-Bank Check Cashing

Has Ever Used 35 10.0 13 54.8 15 27.4 7 2.7 NA NA

Has Never Used 304 87.9 9 39.4 38 70.3 255 97.3 NA NA

Unknown 7 2.1 1 5.8 1 2.2 0 0.0 NA NA

Non-Bank Remittances

Has Ever Used 13 3.8 3 11.1 6 12.0 4 1.6 NA NA

Has Never Used 326 94.3 18 77.0 47 87.4 258 98.4 NA NA

Unknown 7 1.9 3 11.9 - - 0 0.0 NA NA

Payday Lending

Has Ever Used 11 3.2 - - 6 11.4 5 1.8 NA NA

Has Never Used 326 94.5 21 90.2 46 86.3 257 98.2 NA NA

Unknown 8 2.3 2 8.2 1 2.3 0 0.0 NA NA

Pawn Shops

Has Ever Used 10 2.8 2 10.4 3 5.6 4 1.6 NA NA

Has Never Used 329 95.3 19 83.8 50 93.2 258 98.4 NA NA

Unknown 7 2.0 1 5.8 1 1.2 0 0.0 NA NA

Rent-to-Own

Has Ever Used 11 3.2 3 10.9 6 10.7 3 1.1 NA NA

Has Never Used 327 94.7 19 81.3 47 88.1 259 98.9 NA NA

Unknown 7 2.1 2 7.8 1 1.2 0 0.0 NA NA

Refund Anticipation Loans

Has Ever Used 9 2.6 1 6.4 6 10.3 2 0.8 NA NA

Has Never Used 329 95.1 20 85.8 47 87.4 260 99.2 NA NA

Unknown 8 2.3 2 7.8 1 2.3 0 0.0 NA NA

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-30 Timing of AFS Use by Banking Status: Delaware

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 346 100.0 23 100.0 54 100.0 262 100.0 NA NA

Any AFS

In Last 30 Days 31 9.1 11 45.6 21 38.9 0 0.0 NA NA

In Last 2-12 Months 37 10.8 4 19.4 33 61.1 0 0.0 NA NA

Not in the Last 12 Months 50 14.6 2 8.4 0 0.0 48 18.1 NA NA

Never Used 219 63.4 4 18.8 0 0.0 215 81.9 NA NA

Unknown 7 2.2 2 7.8 0 0.0 0 0.0 NA NA

Non-Bank Money Order

In Last 30 Days 23 6.6 6 27.6 16 30.6 0 0.0 NA NA

In Last 2-12 Months 33 9.7 6 24.7 28 51.6 0 0.0 NA NA

Not in the Last 12 Months 46 13.2 2 7.6 4 6.6 40 15.2 NA NA

Never Used 236 68.4 7 31.9 6 11.2 222 84.8 NA NA

Unknown 7 2.1 2 8.2 - - - - NA NA

Non-Bank Check Cashing

In Last 30 Days 9 2.7 5 23.0 4 7.6 0 0.0 NA NA

In Last 2-12 Months 9 2.7 4 15.5 6 11.0 0 0.0 NA NA

Not in the Last 12 Months 16 4.6 4 16.3 5 8.8 7 2.7 NA NA

Never Used 304 87.9 9 39.4 38 70.3 255 97.3 NA NA

Unknown 7 2.1 1 5.8 1 2.2 - - NA NA

Non-Bank Remittances

In Last 30 Days 4 1.0 2 7.4 2 3.5 0 0.0 NA NA

In Last 2-12 Months 5 1.5 1 3.7 4 7.8 0 0.0 NA NA

Not in the Last 12 Months 5 1.3 - - - - 4 1.6 NA NA

Never Used 326 94.3 18 77.0 47 87.4 258 98.4 NA NA

Unknown 7 1.9 3 11.9 - - - - NA NA

Payday Lending

In Last 30 Days 1 0.3 - - 1 1.7 0 0.0 NA NA

In Last 2-12 Months 3 0.9 - - 3 6.1 0 0.0 NA NA

Not in the Last 12 Months 7 2.0 - - 2 3.7 5 1.8 NA NA

Never Used 326 94.5 21 90.2 46 86.3 257 98.2 NA NA

Unknown 8 2.3 2 8.2 1 2.3 - - NA NA
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table C-30 Timing of AFS Use by Banking Status: Delaware

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Pawn Shops

In Last 30 Days 1 0.2 - - 1 1.5 0 0.0 NA NA

In Last 2-12 Months 2 0.7 1 4.4 1 2.4 0 0.0 NA NA

Not in the Last 12 Months 6 1.9 1 6.0 1 1.7 4 1.6 NA NA

Never Used 329 95.3 19 83.8 50 93.2 258 98.4 NA NA

Unknown 7 2.0 1 5.8 1 1.2 - - NA NA

Rent-to-Owna

Used in last 12 months 2 0.7 - - 2 3.4 0 0.0 NA NA

Used but not in last 12 months 9 2.6 2 9.2 4 7.2 3 1.1 NA NA

Never Used 327 94.7 19 81.3 47 88.1 259 98.9 NA NA

Unknown 7 2.1 2 7.8 1 1.2 - - NA NA

Refund Anticipation Loansa

Used in last 12 months 3 0.9 1 3.1 2 4.2 0 0.0 NA NA

Used but not in last 12 months 6 1.8 1 3.3 3 6.2 2 0.8 NA NA

Never Used 329 95.1 20 85.8 47 87.4 260 99.2 NA NA

Unknown 8 2.3 2 7.8 1 2.3 - - NA NA

Notes:

Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. a Households were not asked whether they used these AFS products in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-31 Use of AFS by Household Characteristic: Delaware

Household Characteristic

All Households

Use of AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used a 

Transaction AFS Ever Used a Credit AFS

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 346 100.0 119 34.5 219 63.4 7 2.2 111 32.2 29 8.3

Banking Status

Unbanked 23 6.7 17 73.4 4 18.8 2 7.8 17 73.4 5 19.9

Underbanked 54 15.5 54 100.0 0 0.0 0 0.0 51 95.5 13 24.0

Fully Banked 262 75.9 48 18.1 215 81.9 0 0.0 42 16.0 11 4.3

Banked but Underbanked Status Unknown 7 1.9 NA NA NA NA NA NA NA NA NA NA

Household Type

Family household 231 66.7 82 35.3 143 62.1 6 2.5 78 33.8 23 9.8

Female householder, no husband present 49 14.1 28 58.3 18 36.3 3 5.4 27 56.1 9 19.4

Male householder, no wife present 12 3.6 NA NA NA NA NA NA NA NA NA NA

Married couple 170 49.1 48 28.6 119 69.9 3 1.5 46 27.0 11 6.7

Nonfamily household 115 33.3 38 32.7 76 65.8 2 1.4 33 29.0 6 5.2

Female householder 67 19.4 22 32.7 44 65.6 1 1.7 20 30.5 1 2.2

Male householder 48 13.9 16 32.7 32 66.2 1 1.1 13 27.0 5 9.5

Race/Ethnicity

Black 76 22.1 44 57.9 29 37.5 4 4.6 42 54.8 9 11.6

Hispanic non-Black 18 5.3 11 58.6 7 39.7 - - 11 58.6 4 20.6

White non-Black non-Hispanic 238 69.0 60 25.1 176 73.6 3 1.3 55 22.9 15 6.4

Other non-Black non-Hispanic 13 3.6 NA NA NA NA NA NA NA NA NA NA

Age

15 to 34 years 64 18.5 26 41.3 36 56.1 2 2.6 26 40.4 6 8.7

35 to 44 years 59 17.2 22 36.5 36 60.5 2 2.9 21 34.8 7 11.8

45 to 54 years 74 21.5 29 39.8 43 58.2 2 2.1 28 37.7 8 11.0

55 to 64 years 66 19.1 25 37.8 41 61.5 1 0.8 22 32.6 6 9.3

65 years or more 82 23.7 17 20.3 63 77.3 2 2.4 15 18.6 2 2.1

Education

No high school degree 38 11.1 20 53.0 15 40.5 2 6.5 18 46.3 5 14.1

High school degree 107 31.0 37 34.9 67 62.5 3 2.5 36 33.4 8 7.7

Some college 86 25.0 32 37.2 52 60.7 2 2.1 29 34.0 12 13.7

College degree 114 33.0 29 25.7 84 73.8 1 0.5 28 24.9 3 2.8

Household Income

Less than $15,000 46 13.2 25 54.2 20 43.2 1 2.6 24 52.2 6 12.4

Between $15,000 and $30,000 55 16.0 21 38.6 31 57.1 2 4.3 19 34.5 6 10.6

Between $30,000 and $50,000 71 20.7 28 39.3 42 58.2 2 2.5 25 35.6 10 14.0

Between $50,000 and $75,000 75 21.6 21 28.3 52 70.1 1 1.6 20 27.3 3 4.4

At Least $75,000 99 28.6 24 24.3 74 74.8 1 1.0 23 22.9 4 3.9

Homeownership

Homeowner 254 73.5 71 27.9 178 70.0 6 2.2 67 26.4 13 5.3

Non-homeowner 92 26.5 48 52.8 41 45.0 2 2.2 44 48.2 15 16.6

Notes:

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund 

anticipation loans.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table C-32 Timing of AFS Use by Household Characteristic: Delaware

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 Daysb In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Used AFS in the Last 

Year

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 346 100.0 31 9.1 37 10.8 50 14.6 219 63.4 7 2.2 69 19.9

Banking Status

Unbanked 23 6.7 11 45.6 4 19.4 2 8.4 4 18.8 2 7.8 15 65.0

Underbanked 54 15.5 21 38.9 33 61.1 0 0.0 0 0.0 0 0.0 54 100.0

Fully Banked 262 75.9 0 0.0 0 0.0 48 18.1 215 81.9 0 0.0 0 0.0

Banked but Underbanked Status Unknown 7 1.9 0 0.0 0 0.0 NA NA 0 0.0 NA NA 0 0.0

Household Type

Family household 231 66.7 25 11.0 26 11.2 30 13.1 143 62.1 6 2.5 51 22.2

Female householder, no husband present 49 14.1 10 19.8 10 21.4 8 17.1 18 36.3 3 5.4 20 41.2

Male householder, no wife present 12 3.6 NA NA NA NA NA NA NA NA NA NA NA NA

Married couple 170 49.1 13 7.6 15 8.9 20 12.1 119 69.9 3 1.5 28 16.5

Nonfamily household 115 33.3 6 5.3 11 9.9 20 17.5 76 65.8 2 1.4 17 15.2

Female householder 67 19.4 3 3.9 7 10.9 12 17.9 44 65.6 1 1.7 10 14.9

Male householder 48 13.9 3 7.2 4 8.5 8 17.0 32 66.2 1 1.1 8 15.7

Race/Ethnicity

Black 76 22.1 15 20.0 14 17.8 15 20.1 29 37.5 4 4.6 29 37.8

Hispanic non-Black 18 5.3 6 33.2 3 19.1 1 6.2 7 39.7 - - 10 52.3

White non-Black non-Hispanic 238 69.0 10 4.0 18 7.6 32 13.6 176 73.6 3 1.3 28 11.6

Other non-Black non-Hispanic 13 3.6 NA NA NA NA NA NA NA NA NA NA NA NA

Age

15 to 34 years 64 18.5 11 16.5 11 16.7 5 8.0 36 56.1 2 2.6 21 33.3

35 to 44 years 59 17.2 6 10.1 8 13.4 8 13.0 36 60.5 2 2.9 14 23.5

45 to 54 years 74 21.5 7 9.9 10 13.1 12 16.7 43 58.2 2 2.1 17 23.0

55 to 64 years 66 19.1 5 8.0 6 9.4 13 20.3 41 61.5 1 0.8 12 17.4

65 years or more 82 23.7 2 2.7 3 3.2 12 14.3 63 77.3 2 2.4 5 5.9

Education

No high school degree 38 11.1 9 22.8 4 11.3 7 18.8 15 40.5 2 6.5 13 34.2

High school degree 107 31.0 12 11.2 10 9.6 15 14.2 67 62.5 3 2.5 22 20.7

Some college 86 25.0 7 7.7 13 15.4 12 14.2 52 60.7 2 2.1 20 23.1

College degree 114 33.0 4 3.6 9 8.2 16 13.9 84 73.8 1 0.5 13 11.8

Household Income

Less than $15,000 46 13.2 10 21.3 5 12.0 10 20.9 20 43.2 1 2.6 15 33.3

Between $15,000 and $30,000 55 16.0 5 9.2 8 14.6 8 14.8 31 57.1 2 4.3 13 23.8

Between $30,000 and $50,000 71 20.7 8 10.9 11 15.9 9 12.5 42 58.2 2 2.5 19 26.8

Between $50,000 and $75,000 75 21.6 3 4.0 5 7.2 13 17.1 52 70.1 1 1.6 8 11.1

At Least $75,000 99 28.6 6 6.0 7 7.1 11 11.2 74 74.8 1 1.0 13 13.1

Homeownership

Homeowner 254 73.5 14 5.4 23 9.0 34 13.5 178 70.0 6 2.2 36 14.3

Non-homeowner 92 26.5 18 19.3 15 15.9 16 17.6 41 45.0 2 2.2 32 35.2

Notes:

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as 

having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 

months. The unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use 

rent-to-own agreements or refund anticipation loans in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table C-33 Use of AFS by Banking Status: District of Columbia

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 281 100.0 31 100.0 63 100.0 180 100.0 NA NA

Any AFS

Has Ever Used 123 43.9 21 69.9 63 100.0 39 21.9 NA NA

Has Never Used 148 52.6 8 24.5 0 0.0 140 78.1 NA NA

Unknown 10 3.5 2 5.6 0 0.0 0 0.0 NA NA

Non-Bank Money Order

Has Ever Used 104 37.2 18 58.6 54 86.4 32 18.0 NA NA

Has Never Used 167 59.6 11 35.8 8 13.6 147 82.0 NA NA

Unknown 9 3.3 2 5.6 - - 0 0.0 NA NA

Non-Bank Check Cashing

Has Ever Used 26 9.3 9 29.6 13 20.0 5 2.6 NA NA

Has Never Used 248 88.1 20 64.8 50 80.0 175 97.4 NA NA

Unknown 7 2.5 2 5.6 - - 0 0.0 NA NA

Non-Bank Remittances

Has Ever Used 23 8.1 3 9.6 16 25.8 4 2.0 NA NA

Has Never Used 249 88.7 25 82.7 46 74.2 176 98.0 NA NA

Unknown 9 3.2 2 7.7 - - 0 0.0 NA NA

Payday Lending

Has Ever Used 5 1.8 2 5.9 2 3.3 1 0.7 NA NA

Has Never Used 269 95.7 27 87.6 61 96.7 178 99.3 NA NA

Unknown 7 2.5 2 6.5 - - 0 0.0 NA NA

Pawn Shops

Has Ever Used 14 4.9 3 9.2 8 12.5 3 1.7 NA NA

Has Never Used 259 92.2 26 84.3 54 86.9 177 98.3 NA NA

Unknown 8 2.9 2 6.5 - - 0 0.0 NA NA

Rent-to-Own

Has Ever Used 4 1.4 1 4.9 2 3.7 - - NA NA

Has Never Used 268 95.5 27 88.6 60 95.8 179 99.9 NA NA

Unknown 9 3.1 2 6.5 - - 0 0.0 NA NA

Refund Anticipation Loans

Has Ever Used 8 2.9 2 6.8 3 5.1 3 1.6 NA NA

Has Never Used 264 93.9 27 86.7 59 94.3 177 98.4 NA NA

Unknown 9 3.2 2 6.5 - - 0 0.0 NA NA

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-34 Timing of AFS Use by Banking Status: District of Columbia

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 281 100.0 31 100.0 63 100.0 180 100.0 NA NA

Any AFS

In Last 30 Days 44 15.7 15 48.2 29 46.9 0 0.0 NA NA

In Last 2-12 Months 38 13.5 5 15.3 33 53.1 0 0.0 NA NA

Not in the Last 12 Months 41 14.7 2 6.4 0 0.0 39 21.9 NA NA

Never Used 148 52.6 8 24.5 0 0.0 140 78.1 NA NA

Unknown 10 3.5 2 5.6 0 0.0 0 0.0 NA NA

Non-Bank Money Order

In Last 30 Days 37 13.0 12 40.7 24 38.6 0 0.0 NA NA

In Last 2-12 Months 30 10.7 3 11.1 27 42.8 0 0.0 NA NA

Not in the Last 12 Months 38 13.4 2 6.8 3 5.0 32 18.0 NA NA

Never Used 167 59.6 11 35.8 8 13.6 147 82.0 NA NA

Unknown 9 3.3 2 5.6 - - - - NA NA

Non-Bank Check Cashing

In Last 30 Days 6 2.0 3 8.4 3 4.8 0 0.0 NA NA

In Last 2-12 Months 8 2.9 4 12.8 4 6.6 0 0.0 NA NA

Not in the Last 12 Months 13 4.5 3 8.4 5 8.6 5 2.6 NA NA

Never Used 248 88.1 20 64.8 50 80.0 175 97.4 NA NA

Unknown 7 2.5 2 5.6 - - - - NA NA

Non-Bank Remittances

In Last 30 Days 5 1.9 1 3.1 4 7.0 0 0.0 NA NA

In Last 2-12 Months 10 3.6 2 6.5 8 12.9 0 0.0 NA NA

Not in the Last 12 Months 7 2.6 - - 4 6.0 4 2.0 NA NA

Never Used 249 88.7 25 82.7 46 74.2 176 98.0 NA NA

Unknown 9 3.2 2 7.7 - - - - NA NA

Payday Lending

In Last 30 Days 0 0.1 - - - - 0 0.0 NA NA

In Last 2-12 Months 1 0.2 - - 1 1.0 0 0.0 NA NA

Not in the Last 12 Months 4 1.5 2 5.9 1 1.8 1 0.7 NA NA

Never Used 269 95.7 27 87.6 61 96.7 178 99.3 NA NA

Unknown 7 2.5 2 6.5 - - - - NA NA
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table C-34 Timing of AFS Use by Banking Status: District of Columbia

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Pawn Shops

In Last 30 Days 2 0.6 - - 1 2.1 0 0.0 NA NA

In Last 2-12 Months 4 1.6 - - 4 6.4 0 0.0 NA NA

Not in the Last 12 Months 8 2.7 2 6.8 2 3.9 3 1.7 NA NA

Never Used 259 92.2 26 84.3 54 86.9 177 98.3 NA NA

Unknown 8 2.9 2 6.5 - - - - NA NA

Rent-to-Owna

Used in last 12 months 1 0.4 - - 1 0.9 0 0.0 NA NA

Used but not in last 12 months 3 1.1 1 3.4 2 2.8 - - NA NA

Never Used 268 95.5 27 88.6 60 95.8 179 99.9 NA NA

Unknown 9 3.1 2 6.5 - - - - NA NA

Refund Anticipation Loansa

Used in last 12 months 1 0.3 1 2.5 - - 0 0.0 NA NA

Used but not in last 12 months 7 2.6 1 4.3 3 5.1 3 1.6 NA NA

Never Used 264 93.9 27 86.7 59 94.3 177 98.4 NA NA

Unknown 9 3.2 2 6.5 - - - - NA NA

Notes:

Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are 

categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as 

having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. a Households were not asked whether they used these AFS products in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-35 Use of AFS by Household Characteristic: District of Columbia

Household Characteristic

All Households

Use of AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used a 

Transaction AFS Ever Used a Credit AFS

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 281 100.0 123 43.9 148 52.6 10 3.5 120 42.5 23 8.3

Banking Status

Unbanked 31 10.9 21 69.9 8 24.5 2 5.6 21 68.8 4 13.7

Underbanked 63 22.3 63 100.0 0 0.0 0 0.0 62 98.5 12 20.0

Fully Banked 180 63.9 39 21.9 140 78.1 0 0.0 37 20.5 7 3.8

Banked but Underbanked Status Unknown 8 2.9 NA NA NA NA NA NA NA NA NA NA

Household Type

Family household 116 41.4 58 49.9 54 45.9 5 4.2 57 49.1 13 10.9

Female householder, no husband present 45 16.1 30 66.3 13 28.0 3 5.6 30 65.6 7 15.0

Male householder, no wife present 9 3.3 NA NA NA NA NA NA NA NA NA NA

Married couple 62 22.1 23 36.2 37 60.0 2 3.8 22 35.3 5 7.3

Nonfamily household 164 58.3 65 39.6 94 57.3 5 3.1 62 38.1 10 6.4

Female householder 84 29.7 29 34.9 51 61.1 3 3.9 29 34.2 3 3.9

Male householder 80 28.6 36 44.4 43 53.4 2 2.2 34 42.2 7 9.0

Other 1 0.2 NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 139 49.5 80 57.7 52 37.7 6 4.6 78 56.1 17 12.6

Hispanic non-Black 21 7.4 11 51.8 9 44.5 1 3.7 11 50.3 1 5.3

White non-Black non-Hispanic 110 39.0 30 27.4 78 70.7 2 1.8 29 26.4 4 3.9

Other non-Black non-Hispanic 12 4.1 NA NA NA NA NA NA NA NA NA NA

Age

15 to 34 years 93 33.1 37 39.4 55 58.8 2 1.8 35 38.1 6 6.4

35 to 44 years 44 15.7 21 47.6 22 50.0 1 2.4 21 46.9 3 5.9

45 to 54 years 49 17.3 26 53.4 20 41.3 3 5.3 25 51.9 6 12.9

55 to 64 years 40 14.3 20 48.6 20 50.6 - - 18 46.0 5 12.5

65 years or more 55 19.5 20 36.4 31 55.6 4 8.0 20 35.8 4 6.5

Education

No high school degree 35 12.3 24 68.9 10 28.0 1 3.0 23 66.1 7 19.1

High school degree 49 17.3 31 64.4 15 31.6 2 3.9 31 62.7 7 14.1

Some college 39 13.9 17 42.6 21 53.9 1 3.5 16 41.7 3 7.2

College degree 159 56.5 51 32.4 102 64.1 6 3.5 50 31.4 7 4.5

Household Income

Less than $15,000 48 17.3 30 60.9 17 34.9 2 4.2 28 58.2 6 12.1

Between $15,000 and $30,000 37 13.1 20 55.7 13 36.6 3 7.7 20 54.7 7 19.3

Between $30,000 and $50,000 42 15.1 20 47.2 21 50.3 1 2.5 20 46.1 3 7.6

Between $50,000 and $75,000 48 17.0 19 40.1 28 58.3 1 1.6 18 38.1 3 7.2

At Least $75,000 106 37.6 34 32.3 68 64.6 3 3.1 34 31.7 4 3.6

Homeownership

Homeowner 120 42.7 43 35.6 73 61.1 4 3.3 42 35.4 7 5.9

Non-homeowner 161 57.3 80 50.0 74 46.2 6 3.8 77 47.9 16 10.1

Notes:

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund 

anticipation loans.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table C-36 Timing of AFS Use by Household Characteristic: District of Columbia

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 Daysb In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Used AFS in the Last 

Year

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 281 100.0 44 15.7 38 13.5 41 14.7 148 52.6 10 3.5 82 29.2

Banking Status

Unbanked 31 10.9 15 48.2 5 15.3 2 6.4 8 24.5 2 5.6 19 63.5

Underbanked 63 22.3 29 46.9 33 53.1 0 0.0 0 0.0 0 0.0 63 100.0

Fully Banked 180 63.9 0 0.0 0 0.0 39 21.9 140 78.1 0 0.0 0 0.0

Banked but Underbanked Status Unknown 8 2.9 0 0.0 0 0.0 NA NA 0 0.0 NA NA 0 0.0

Household Type

Family household 116 41.4 26 22.0 18 15.1 15 12.8 54 45.9 5 4.2 43 37.1

Female householder, no husband present 45 16.1 17 37.1 7 15.8 6 13.4 13 28.0 3 5.6 24 52.9

Male householder, no wife present 9 3.3 NA NA NA NA NA NA NA NA NA NA NA NA

Married couple 62 22.1 7 11.0 7 11.7 8 13.6 37 60.0 2 3.8 14 22.6

Nonfamily household 164 58.3 18 11.3 20 12.4 26 15.9 94 57.3 5 3.1 39 23.7

Female householder 84 29.7 11 13.5 8 9.6 10 11.9 51 61.1 3 3.9 19 23.1

Male householder 80 28.6 7 8.9 12 15.4 16 20.1 43 53.4 2 2.2 20 24.3

Other 1 0.2 NA NA NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 139 49.5 35 25.0 24 17.4 21 15.3 52 37.7 6 4.6 59 42.4

Hispanic non-Black 21 7.4 4 21.0 5 25.0 1 5.8 9 44.5 1 3.7 10 46.0

White non-Black non-Hispanic 110 39.0 4 3.6 8 7.3 18 16.5 78 70.7 2 1.8 12 11.0

Other non-Black non-Hispanic 12 4.1 NA NA NA NA NA NA NA NA NA NA NA NA

Age

15 to 34 years 93 33.1 12 12.8 13 13.5 12 13.1 55 58.8 2 1.8 25 26.4

35 to 44 years 44 15.7 8 18.7 5 11.3 8 17.6 22 50.0 1 2.4 13 30.0

45 to 54 years 49 17.3 9 18.5 8 17.4 9 17.6 20 41.3 3 5.3 17 35.8

55 to 64 years 40 14.3 8 20.2 6 15.3 5 13.2 20 50.6 - - 14 35.5

65 years or more 55 19.5 7 12.4 6 10.4 7 13.6 31 55.6 4 8.0 13 22.8

Education

No high school degree 35 12.3 14 40.5 6 18.5 3 10.0 10 28.0 1 3.0 20 59.0

High school degree 49 17.3 15 30.0 9 17.7 8 16.7 15 31.6 2 3.9 23 47.7

Some college 39 13.9 7 17.3 6 14.7 4 10.5 21 53.9 1 3.5 13 32.0

College degree 159 56.5 9 5.5 17 10.8 26 16.1 102 64.1 6 3.5 26 16.3

Household Income

Less than $15,000 48 17.3 16 32.6 7 15.4 6 12.8 17 34.9 2 4.2 23 48.1

Between $15,000 and $30,000 37 13.1 10 27.7 7 18.0 4 10.0 13 36.6 3 7.7 17 45.7

Between $30,000 and $50,000 42 15.1 8 19.6 6 15.1 5 12.6 21 50.3 1 2.5 15 34.6

Between $50,000 and $75,000 48 17.0 5 10.6 6 12.4 8 17.1 28 58.3 1 1.6 11 23.0

At Least $75,000 106 37.6 5 4.5 12 10.9 18 16.9 68 64.6 3 3.1 16 15.4

Homeownership

Homeowner 120 42.7 12 9.9 12 9.9 19 15.8 73 61.1 4 3.3 24 19.8

Non-homeowner 161 57.3 32 20.0 26 16.2 22 13.8 74 46.2 6 3.8 58 36.2

Notes:

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as 

having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 

months. The unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use 

rent-to-own agreements or refund anticipation loans in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table C-37 Use of AFS by Banking Status: Florida

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 7,801 100.0 570 100.0 1,645 100.0 5,309 100.0 277 100.0

Any AFS

Has Ever Used 3,295 42.2 406 71.2 1,645 100.0 1,216 22.9 0 0.0

Has Never Used 4,215 54.0 122 21.4 0 0.0 4,093 77.1 0 0.0

Unknown 291 3.7 42 7.4 0 0.0 0 0.0 249 89.9

Non-Bank Money Order

Has Ever Used 2,507 32.1 295 51.8 1,319 80.2 876 16.5 17 6.1

Has Never Used 5,047 64.7 226 39.6 321 19.5 4,433 83.5 67 24.2

Unknown 247 3.2 49 8.7 5 0.3 0 0.0 193 69.7

Non-Bank Check Cashing

Has Ever Used 994 12.7 293 51.3 510 31.0 192 3.6 - -

Has Never Used 6,605 84.7 256 44.8 1,122 68.2 5,117 96.4 111 39.9

Unknown 202 2.6 22 3.9 13 0.8 0 0.0 166 60.1

Non-Bank Remittances

Has Ever Used 574 7.4 67 11.7 375 22.8 132 2.5 - -

Has Never Used 6,942 89.0 445 78.0 1,265 76.9 5,177 97.5 55 20.0

Unknown 285 3.7 59 10.3 5 0.3 0 0.0 222 80.0

Payday Lending

Has Ever Used 407 5.2 51 9.0 263 16.0 93 1.8 - -

Has Never Used 7,088 90.9 456 80.0 1,363 82.8 5,215 98.2 54 19.4

Unknown 306 3.9 63 11.0 20 1.2 0 0.0 223 80.6

Pawn Shops

Has Ever Used 535 6.9 74 13.0 290 17.6 165 3.1 6 2.3

Has Never Used 6,962 89.2 433 76.0 1,340 81.5 5,144 96.9 45 16.1

Unknown 304 3.9 63 11.0 15 0.9 0 0.0 226 81.6

Rent-to-Own

Has Ever Used 336 4.3 24 4.2 199 12.1 108 2.0 5 1.7

Has Never Used 7,143 91.6 483 84.8 1,433 87.1 5,200 98.0 27 9.7

Unknown 321 4.1 63 11.0 13 0.8 0 0.0 245 88.6

Refund Anticipation Loans

Has Ever Used 236 3.0 35 6.1 125 7.6 76 1.4 - -

Has Never Used 7,235 92.7 473 82.9 1,506 91.6 5,233 98.6 23 8.3

Unknown 330 4.2 63 11.0 14 0.8 0 0.0 254 91.7

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

Table C-38 Timing of AFS Use by Banking Status: Florida

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 7,801 100.0 570 100.0 1,645 100.0 5,309 100.0 277 100.0

Any AFS

In Last 30 Days 885 11.3 261 45.7 625 38.0 0 0.0 0 0.0

In Last 2-12 Months 1,122 14.4 102 17.8 1,020 62.0 0 0.0 0 0.0

Not in the Last 12 Months 1,288 16.5 44 7.7 0 0.0 1,216 22.9 28 10.1

Never Used 4,215 54.0 122 21.4 0 0.0 4,093 77.1 0 0.0

Unknown 291 3.7 42 7.4 0 0.0 0 0.0 249 89.9

Non-Bank Money Order

In Last 30 Days 579 7.4 163 28.5 416 25.3 0 0.0 - -

In Last 2-12 Months 849 10.9 85 14.9 764 46.5 0 0.0 - -

Not in the Last 12 Months 1,079 13.8 47 8.3 139 8.4 876 16.5 17 6.1

Never Used 5,047 64.7 226 39.6 321 19.5 4,433 83.5 67 24.2

Unknown 247 3.2 49 8.7 5 0.3 - - 193 69.7

Non-Bank Check Cashing

In Last 30 Days 322 4.1 179 31.4 143 8.7 0 0.0 - -

In Last 2-12 Months 281 3.6 70 12.2 211 12.8 0 0.0 - -

Not in the Last 12 Months 391 5.0 44 7.7 156 9.5 192 3.6 - -

Never Used 6,605 84.7 256 44.8 1,122 68.2 5,117 96.4 111 39.9

Unknown 202 2.6 22 3.9 13 0.8 - - 166 60.1

Non-Bank Remittances

In Last 30 Days 146 1.9 24 4.2 123 7.5 0 0.0 - -

In Last 2-12 Months 243 3.1 38 6.7 204 12.4 0 0.0 - -

Not in the Last 12 Months 185 2.4 5 0.8 48 2.9 132 2.5 - -

Never Used 6,942 89.0 445 78.0 1,265 76.9 5,177 97.5 55 20.0

Unknown 285 3.7 59 10.3 5 0.3 - - 222 80.0

Payday Lending

In Last 30 Days 77 1.0 - - 77 4.7 0 0.0 - -

In Last 2-12 Months 110 1.4 5 0.8 105 6.4 0 0.0 - -

Not in the Last 12 Months 220 2.8 46 8.1 81 4.9 93 1.8 - -

Never Used 7,088 90.9 456 80.0 1,363 82.8 5,215 98.2 54 19.4

Unknown 306 3.9 63 11.0 20 1.2 - - 223 80.6
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table C-38 Timing of AFS Use by Banking Status: Florida

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Pawn Shops

In Last 30 Days 48 0.6 8 1.5 40 2.4 0 0.0 - -

In Last 2-12 Months 185 2.4 33 5.9 151 9.2 0 0.0 - -

Not in the Last 12 Months 302 3.9 32 5.7 99 6.0 165 3.1 6 2.3

Never Used 6,962 89.2 433 76.0 1,340 81.5 5,144 96.9 45 16.1

Unknown 304 3.9 63 11.0 15 0.9 - - 226 81.6

Rent-to-Owna

Used in last 12 months 77 1.0 - - 77 4.7 0 0.0 - -

Used but not in last 12 months 259 3.3 24 4.2 122 7.4 108 2.0 5 1.7

Never Used 7,143 91.6 483 84.8 1,433 87.1 5,200 98.0 27 9.7

Unknown 321 4.1 63 11.0 13 0.8 - - 245 88.6

Refund Anticipation Loansa

Used in last 12 months 67 0.9 20 3.6 46 2.8 0 0.0 - -

Used but not in last 12 months 169 2.2 14 2.5 79 4.8 76 1.4 - -

Never Used 7,235 92.7 473 82.9 1,506 91.6 5,233 98.6 23 8.3

Unknown 330 4.2 63 11.0 14 0.8 - - 254 91.7

Notes:

Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are 

categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as 

having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. a Households were not asked whether they used these AFS products in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

Table C-39 Use of AFS by Household Characteristic: Florida

Household Characteristic

All Households

Use of AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used a 

Transaction AFS Ever Used a Credit AFS

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 7,801 100.0 3,295 42.2 4,215 54.0 291 3.7 2,984 38.3 1,026 13.2

Banking Status

Unbanked 570 7.3 406 71.2 122 21.4 42 7.4 378 66.4 114 20.1

Underbanked 1,645 21.1 1,645 100.0 0 0.0 0 0.0 1,559 94.8 536 32.6

Fully Banked 5,309 68.1 1,216 22.9 4,093 77.1 0 0.0 1,030 19.4 365 6.9

Banked but Underbanked Status Unknown 277 3.5 28 10.1 - - 249 89.9 17 6.1 11 4.0

Household Type

Family household 4,726 60.6 2,077 43.9 2,494 52.8 155 3.3 1,877 39.7 635 13.4

Female householder, no husband present 952 12.2 578 60.6 332 34.8 43 4.6 519 54.5 204 21.5

Male householder, no wife present 389 5.0 189 48.5 184 47.5 16 4.0 172 44.2 63 16.1

Married couple 3,385 43.4 1,311 38.7 1,979 58.5 96 2.8 1,187 35.1 369 10.9

Nonfamily household 3,060 39.2 1,203 39.3 1,720 56.2 136 4.5 1,098 35.9 385 12.6

Female householder 1,634 20.9 533 32.6 1,027 62.9 74 4.5 466 28.5 154 9.4

Male householder 1,426 18.3 670 47.0 693 48.6 63 4.4 632 44.3 230 16.2

Other 15 0.2 NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 1,165 14.9 739 63.4 378 32.5 48 4.1 674 57.9 280 24.0

Hispanic non-Black 1,366 17.5 603 44.1 738 54.0 25 1.9 564 41.2 136 10.0

White non-Black non-Hispanic 5,073 65.0 1,862 36.7 2,996 59.1 214 4.2 1,659 32.7 601 11.9

Other non-Black non-Hispanic 197 2.5 91 46.2 102 52.0 4 1.8 87 44.3 8 4.0

Age

15 to 34 years 1,408 18.0 811 57.6 526 37.4 70 5.0 714 50.8 307 21.8

35 to 44 years 1,382 17.7 670 48.5 679 49.1 33 2.4 613 44.4 196 14.2

45 to 54 years 1,565 20.1 738 47.2 765 48.9 61 3.9 672 42.9 276 17.7

55 to 64 years 1,368 17.5 497 36.4 816 59.7 54 4.0 436 31.9 135 9.8

65 years or more 2,078 26.6 578 27.8 1,428 68.7 72 3.5 549 26.4 112 5.4

Education

No high school degree 782 10.0 389 49.8 350 44.7 42 5.4 346 44.2 147 18.8

High school degree 2,371 30.4 1,108 46.7 1,186 50.0 76 3.2 1,005 42.4 362 15.3

Some college 2,403 30.8 1,016 42.3 1,288 53.6 100 4.2 897 37.3 329 13.7

College degree 2,245 28.8 782 34.8 1,391 62.0 72 3.2 735 32.8 188 8.4

Household Income

Less than $15,000 1,347 17.3 673 49.9 600 44.6 74 5.5 601 44.6 241 17.9

Between $15,000 and $30,000 1,575 20.2 818 52.0 687 43.6 69 4.4 741 47.1 271 17.2

Between $30,000 and $50,000 1,881 24.1 766 40.7 1,058 56.2 57 3.0 685 36.4 235 12.5

Between $50,000 and $75,000 1,219 15.6 436 35.8 752 61.7 31 2.5 375 30.8 178 14.6

At Least $75,000 1,779 22.8 602 33.8 1,117 62.8 60 3.3 582 32.7 100 5.6

Homeownership

Homeowner 5,362 68.7 1,875 35.0 3,279 61.2 207 3.9 1,711 31.9 456 8.5

Non-homeowner 2,439 31.3 1,420 58.2 936 38.4 84 3.4 1,273 52.2 570 23.4

Notes:

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund anticipation loans.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table C-40 Timing of AFS Use by Household Characteristic: Florida

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 Daysb In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Used AFS in the Last 

Year

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 7,801 100.0 885 11.3 1,122 14.4 1,288 16.5 4,215 54.0 291 3.7 2,007 25.7

Banking Status

Unbanked 570 7.3 261 45.7 102 17.8 44 7.7 122 21.4 42 7.4 362 63.5

Underbanked 1,645 21.1 625 38.0 1,020 62.0 0 0.0 0 0.0 0 0.0 1,645 100.0

Fully Banked 5,309 68.1 0 0.0 0 0.0 1,216 22.9 4,093 77.1 0 0.0 0 0.0

Banked but Underbanked Status Unknown 277 3.5 0 0.0 0 0.0 28 10.1 0 0.0 249 89.9 0 0.0

Household Type

Family household 4,726 60.6 623 13.2 681 14.4 773 16.4 2,494 52.8 155 3.3 1,304 27.6

Female householder, no husband present 952 12.2 200 21.0 233 24.5 145 15.2 332 34.8 43 4.6 433 45.4

Male householder, no wife present 389 5.0 82 21.0 70 17.9 37 9.6 184 47.5 16 4.0 151 38.9

Married couple 3,385 43.4 342 10.1 378 11.2 591 17.5 1,979 58.5 96 2.8 720 21.3

Nonfamily household 3,060 39.2 262 8.6 437 14.3 504 16.5 1,720 56.2 136 4.5 699 22.8

Female householder 1,634 20.9 87 5.3 181 11.1 264 16.2 1,027 62.9 74 4.5 269 16.4

Male householder 1,426 18.3 175 12.2 256 17.9 240 16.8 693 48.6 63 4.4 430 30.2

Other 15 0.2 NA NA NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 1,165 14.9 282 24.2 301 25.9 155 13.3 378 32.5 48 4.1 584 50.1

Hispanic non-Black 1,366 17.5 200 14.6 242 17.7 161 11.8 738 54.0 25 1.9 442 32.3

White non-Black non-Hispanic 5,073 65.0 399 7.9 544 10.7 919 18.1 2,996 59.1 214 4.2 943 18.6

Other non-Black non-Hispanic 197 2.5 4 2.2 35 17.6 52 26.4 102 52.0 4 1.8 39 19.8

Age

15 to 34 years 1,408 18.0 226 16.1 327 23.2 258 18.3 526 37.4 70 5.0 554 39.3

35 to 44 years 1,382 17.7 228 16.5 219 15.9 223 16.1 679 49.1 33 2.4 447 32.4

45 to 54 years 1,565 20.1 233 14.9 252 16.1 253 16.2 765 48.9 61 3.9 485 31.0

55 to 64 years 1,368 17.5 98 7.2 177 12.9 223 16.3 816 59.7 54 4.0 275 20.1

65 years or more 2,078 26.6 99 4.8 147 7.1 331 15.9 1,428 68.7 72 3.5 246 11.8

Education

No high school degree 782 10.0 177 22.6 118 15.1 94 12.1 350 44.7 42 5.4 295 37.7

High school degree 2,371 30.4 344 14.5 388 16.4 376 15.9 1,186 50.0 76 3.2 732 30.9

Some college 2,403 30.8 203 8.5 337 14.0 475 19.8 1,288 53.6 100 4.2 540 22.5

College degree 2,245 28.8 161 7.2 279 12.4 342 15.2 1,391 62.0 72 3.2 440 19.6

Household Income

Less than $15,000 1,347 17.3 266 19.7 225 16.7 182 13.5 600 44.6 74 5.5 491 36.4

Between $15,000 and $30,000 1,575 20.2 211 13.4 309 19.6 298 18.9 687 43.6 69 4.4 521 33.1

Between $30,000 and $50,000 1,881 24.1 215 11.4 241 12.8 311 16.5 1,058 56.2 57 3.0 455 24.2

Between $50,000 and $75,000 1,219 15.6 88 7.2 152 12.4 196 16.1 752 61.7 31 2.5 240 19.7

At Least $75,000 1,779 22.8 105 5.9 195 11.0 301 16.9 1,117 62.8 60 3.3 300 16.9

Homeownership

Homeowner 5,362 68.7 374 7.0 606 11.3 895 16.7 3,279 61.2 207 3.9 980 18.3

Non-homeowner 2,439 31.3 511 21.0 516 21.2 393 16.1 936 38.4 84 3.4 1,027 42.1

Notes:

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use rent-to-own agreements or refund anticipation loans in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table C-41 Use of AFS by Banking Status: Georgia

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 3,834 100.0 442 100.0 1,026 100.0 2,248 100.0 NA NA

Any AFS

Has Ever Used 2,028 52.9 326 73.7 1,026 100.0 645 28.7 NA NA

Has Never Used 1,694 44.2 91 20.7 0 0.0 1,602 71.3 NA NA

Unknown 112 2.9 25 5.6 0 0.0 0 0.0 NA NA

Non-Bank Money Order

Has Ever Used 1,672 43.6 272 61.5 867 84.5 503 22.4 NA NA

Has Never Used 2,066 53.9 147 33.1 159 15.5 1,745 77.6 NA NA

Unknown 96 2.5 24 5.4 - - 0 0.0 NA NA

Non-Bank Check Cashing

Has Ever Used 547 14.3 186 42.1 259 25.2 95 4.2 NA NA

Has Never Used 3,194 83.3 231 52.2 767 74.8 2,153 95.8 NA NA

Unknown 92 2.4 25 5.7 - - 0 0.0 NA NA

Non-Bank Remittances

Has Ever Used 218 5.7 35 7.9 153 14.9 31 1.4 NA NA

Has Never Used 3,505 91.4 374 84.6 874 85.1 2,217 98.6 NA NA

Unknown 111 2.9 33 7.5 - - 0 0.0 NA NA

Payday Lending

Has Ever Used 83 2.2 9 2.0 62 6.0 13 0.6 NA NA

Has Never Used 3,651 95.2 409 92.5 960 93.5 2,235 99.4 NA NA

Unknown 100 2.6 24 5.5 5 0.5 0 0.0 NA NA

Pawn Shops

Has Ever Used 432 11.3 95 21.6 238 23.2 94 4.2 NA NA

Has Never Used 3,284 85.7 323 72.9 778 75.8 2,154 95.8 NA NA

Unknown 118 3.1 24 5.5 10 1.0 0 0.0 NA NA

Rent-to-Own

Has Ever Used 263 6.9 62 13.9 162 15.8 39 1.8 NA NA

Has Never Used 3,458 90.2 352 79.6 864 84.2 2,208 98.2 NA NA

Unknown 113 2.9 29 6.5 - - 0 0.0 NA NA

Refund Anticipation Loans

Has Ever Used 235 6.1 48 10.9 167 16.3 20 0.9 NA NA

Has Never Used 3,487 91.0 370 83.6 852 83.0 2,227 99.1 NA NA

Unknown 111 2.9 24 5.5 7 0.7 0 0.0 NA NA

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-42 Timing of AFS Use by Banking Status: Georgia

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 3,834 100.0 442 100.0 1,026 100.0 2,248 100.0 NA NA

Any AFS

In Last 30 Days 655 17.1 184 41.7 471 45.9 0 0.0 NA NA

In Last 2-12 Months 657 17.1 101 22.9 556 54.1 0 0.0 NA NA

Not in the Last 12 Months 716 18.7 41 9.2 0 0.0 645 28.7 NA NA

Never Used 1,694 44.2 91 20.7 0 0.0 1,602 71.3 NA NA

Unknown 112 2.9 25 5.6 0 0.0 0 0.0 NA NA

Non-Bank Money Order

In Last 30 Days 519 13.5 150 33.9 369 36.0 0 0.0 NA NA

In Last 2-12 Months 487 12.7 71 16.1 416 40.5 0 0.0 NA NA

Not in the Last 12 Months 665 17.3 51 11.5 81 7.9 503 22.4 NA NA

Never Used 2,066 53.9 147 33.1 159 15.5 1,745 77.6 NA NA

Unknown 96 2.5 24 5.4 - - - - NA NA

Non-Bank Check Cashing

In Last 30 Days 152 4.0 95 21.4 58 5.6 0 0.0 NA NA

In Last 2-12 Months 166 4.3 51 11.4 115 11.2 0 0.0 NA NA

Not in the Last 12 Months 229 6.0 41 9.3 86 8.4 95 4.2 NA NA

Never Used 3,194 83.3 231 52.2 767 74.8 2,153 95.8 NA NA

Unknown 92 2.4 25 5.7 - - - - NA NA

Non-Bank Remittances

In Last 30 Days 57 1.5 13 2.9 44 4.3 0 0.0 NA NA

In Last 2-12 Months 80 2.1 4 0.9 76 7.4 0 0.0 NA NA

Not in the Last 12 Months 81 2.1 18 4.1 32 3.2 31 1.4 NA NA

Never Used 3,505 91.4 374 84.6 874 85.1 2,217 98.6 NA NA

Unknown 111 2.9 33 7.5 - - - - NA NA

Payday Lending

In Last 30 Days 15 0.4 - - 15 1.5 0 0.0 NA NA

In Last 2-12 Months 19 0.5 5 1.0 14 1.4 0 0.0 NA NA

Not in the Last 12 Months 49 1.3 4 0.9 32 3.2 13 0.6 NA NA

Never Used 3,651 95.2 409 92.5 960 93.5 2,235 99.4 NA NA

Unknown 100 2.6 24 5.5 5 0.5 - - NA NA
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table C-42 Timing of AFS Use by Banking Status: Georgia

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Pawn Shops

In Last 30 Days 52 1.4 9 2.0 43 4.2 0 0.0 NA NA

In Last 2-12 Months 142 3.7 32 7.2 110 10.7 0 0.0 NA NA

Not in the Last 12 Months 239 6.2 55 12.4 85 8.3 94 4.2 NA NA

Never Used 3,284 85.7 323 72.9 778 75.8 2,154 95.8 NA NA

Unknown 118 3.1 24 5.5 10 1.0 - - NA NA

Rent-to-Owna

Used in last 12 months 88 2.3 21 4.7 68 6.6 0 0.0 NA NA

Used but not in last 12 months 175 4.6 41 9.2 95 9.2 39 1.8 NA NA

Never Used 3,458 90.2 352 79.6 864 84.2 2,208 98.2 NA NA

Unknown 113 2.9 29 6.5 - - - - NA NA

Refund Anticipation Loansa

Used in last 12 months 95 2.5 12 2.7 83 8.1 0 0.0 NA NA

Used but not in last 12 months 141 3.7 36 8.2 85 8.2 20 0.9 NA NA

Never Used 3,487 91.0 370 83.6 852 83.0 2,227 99.1 NA NA

Unknown 111 2.9 24 5.5 7 0.7 - - NA NA

Notes:

Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. a Households were not asked whether they used these AFS products in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-43 Use of AFS by Household Characteristic: Georgia

Household Characteristic

All Households

Use of AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used a 

Transaction AFS Ever Used a Credit AFS

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 3,834 100.0 2,028 52.9 1,694 44.2 112 2.9 1,856 48.4 750 19.6

Banking Status

Unbanked 442 11.5 326 73.7 91 20.7 25 5.6 302 68.3 149 33.7

Underbanked 1,026 26.8 1,026 100.0 0 0.0 0 0.0 960 93.5 448 43.7

Fully Banked 2,248 58.6 645 28.7 1,602 71.3 0 0.0 565 25.1 148 6.6

Banked but Underbanked Status Unknown 118 3.1 NA NA NA NA NA NA NA NA NA NA

Household Type

Family household 2,597 67.7 1,383 53.2 1,151 44.3 63 2.4 1,239 47.7 529 20.4

Female householder, no husband present 619 16.2 408 65.9 194 31.4 17 2.7 362 58.4 187 30.2

Male householder, no wife present 161 4.2 92 57.2 56 34.4 14 8.4 81 50.3 45 28.2

Married couple 1,816 47.4 882 48.6 901 49.6 33 1.8 796 43.8 297 16.3

Nonfamily household 1,237 32.3 645 52.2 543 43.9 49 4.0 618 49.9 221 17.8

Female householder 648 16.9 307 47.5 312 48.2 28 4.3 295 45.5 82 12.7

Male householder 589 15.4 338 57.3 230 39.1 21 3.6 323 54.8 138 23.5

Other 0 - NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 1,262 32.9 838 66.4 390 30.9 34 2.7 765 60.6 366 29.0

Hispanic non-Black 178 4.6 106 59.7 64 35.8 8 4.4 92 51.6 34 19.3

White non-Black non-Hispanic 2,220 57.9 1,027 46.2 1,123 50.6 71 3.2 942 42.4 329 14.8

Other non-Black non-Hispanic 173 4.5 57 33.0 116 67.0 - - 57 33.0 21 11.9

Age

15 to 34 years 919 24.0 550 59.9 348 37.8 21 2.3 519 56.4 225 24.5

35 to 44 years 775 20.2 446 57.6 316 40.7 13 1.6 391 50.5 213 27.5

45 to 54 years 809 21.1 401 49.5 383 47.3 25 3.1 357 44.1 166 20.6

55 to 64 years 661 17.3 335 50.6 298 45.1 28 4.3 311 47.1 89 13.4

65 years or more 669 17.4 296 44.2 349 52.2 25 3.7 278 41.6 57 8.5

Education

No high school degree 516 13.5 321 62.3 185 35.9 9 1.8 289 56.0 131 25.5

High school degree 1,210 31.6 696 57.6 465 38.5 48 4.0 640 52.9 277 22.9

Some college 974 25.4 552 56.7 394 40.5 28 2.9 495 50.9 244 25.0

College degree 1,135 29.6 459 40.4 649 57.2 27 2.4 432 38.0 97 8.6

Household Income

Less than $15,000 811 21.2 472 58.2 302 37.2 37 4.6 438 54.0 193 23.7

Between $15,000 and $30,000 697 18.2 437 62.7 241 34.6 19 2.8 397 57.0 216 31.0

Between $30,000 and $50,000 692 18.1 391 56.4 280 40.4 22 3.1 354 51.1 149 21.5

Between $50,000 and $75,000 711 18.6 369 51.8 321 45.1 22 3.1 341 47.9 124 17.4

At Least $75,000 922 24.0 359 39.0 550 59.7 13 1.4 326 35.4 69 7.4

Homeownership

Homeowner 2,517 65.7 1,181 46.9 1,268 50.4 68 2.7 1,087 43.2 333 13.2

Non-homeowner 1,317 34.3 847 64.3 425 32.3 45 3.4 769 58.4 418 31.7

Notes:

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund 

anticipation loans.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table C-44 Timing of AFS Use by Household Characteristic: Georgia

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 Daysb In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Used AFS in the Last 

Year

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 3,834 100.0 655 17.1 657 17.1 716 18.7 1,694 44.2 112 2.9 1,312 34.2

Banking Status

Unbanked 442 11.5 184 41.7 101 22.9 41 9.2 91 20.7 25 5.6 285 64.6

Underbanked 1,026 26.8 471 45.9 556 54.1 0 0.0 0 0.0 0 0.0 1,026 100.0

Fully Banked 2,248 58.6 0 0.0 0 0.0 645 28.7 1,602 71.3 0 0.0 0 0.0

Banked but Underbanked Status Unknown 118 3.1 0 0.0 0 0.0 NA NA 0 0.0 NA NA 0 0.0

Household Type

Family household 2,597 67.7 428 16.5 460 17.7 495 19.1 1,151 44.3 63 2.4 888 34.2

Female householder, no husband present 619 16.2 174 28.0 135 21.7 100 16.2 194 31.4 17 2.7 308 49.8

Male householder, no wife present 161 4.2 47 29.3 26 15.9 19 12.0 56 34.4 14 8.4 73 45.2

Married couple 1,816 47.4 207 11.4 299 16.5 376 20.7 901 49.6 33 1.8 506 27.9

Nonfamily household 1,237 32.3 227 18.3 197 16.0 221 17.9 543 43.9 49 4.0 424 34.3

Female householder 648 16.9 105 16.2 84 13.0 118 18.3 312 48.2 28 4.3 189 29.2

Male householder 589 15.4 122 20.7 113 19.2 103 17.4 230 39.1 21 3.6 235 39.9

Other 0 - NA NA NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 1,262 32.9 371 29.4 266 21.1 200 15.9 390 30.9 34 2.7 638 50.5

Hispanic non-Black 178 4.6 64 36.1 26 14.4 16 9.2 64 35.8 8 4.4 90 50.5

White non-Black non-Hispanic 2,220 57.9 201 9.1 336 15.1 489 22.0 1,123 50.6 71 3.2 538 24.2

Other non-Black non-Hispanic 173 4.5 18 10.4 29 16.6 10 6.0 116 67.0 - - 47 27.0

Age

15 to 34 years 919 24.0 250 27.2 169 18.4 131 14.3 348 37.8 21 2.3 419 45.6

35 to 44 years 775 20.2 156 20.1 152 19.6 139 17.9 316 40.7 13 1.6 308 39.7

45 to 54 years 809 21.1 91 11.3 154 19.0 156 19.2 383 47.3 25 3.1 245 30.3

55 to 64 years 661 17.3 89 13.4 113 17.1 132 20.0 298 45.1 28 4.3 202 30.6

65 years or more 669 17.4 69 10.3 68 10.2 158 23.6 349 52.2 25 3.7 137 20.5

Education

No high school degree 516 13.5 144 28.0 96 18.5 82 15.8 185 35.9 9 1.8 240 46.5

High school degree 1,210 31.6 242 20.0 255 21.1 199 16.4 465 38.5 48 4.0 497 41.1

Some college 974 25.4 206 21.1 182 18.7 164 16.8 394 40.5 28 2.9 388 39.9

College degree 1,135 29.6 63 5.5 124 10.9 272 23.9 649 57.2 27 2.4 187 16.5

Household Income

Less than $15,000 811 21.2 215 26.5 155 19.0 103 12.7 302 37.2 37 4.6 370 45.5

Between $15,000 and $30,000 697 18.2 204 29.3 139 19.9 94 13.4 241 34.6 19 2.8 343 49.2

Between $30,000 and $50,000 692 18.1 110 16.0 115 16.6 165 23.9 280 40.4 22 3.1 225 32.5

Between $50,000 and $75,000 711 18.6 84 11.7 138 19.4 147 20.7 321 45.1 22 3.1 222 31.2

At Least $75,000 922 24.0 42 4.5 111 12.0 207 22.5 550 59.7 13 1.4 152 16.5

Homeownership

Homeowner 2,517 65.7 238 9.5 376 14.9 567 22.5 1,268 50.4 68 2.7 614 24.4

Non-homeowner 1,317 34.3 417 31.7 281 21.4 149 11.3 425 32.3 45 3.4 698 53.0

Notes

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as 

having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 

months. The unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use 

rent-to-own agreements or refund anticipation loans in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative 

Table C-45 Use of AFS by Banking Status: Hawaii

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 443 100.0 NA NA 89 100.0 313 100.0 24 100.0

Any AFS

Has Ever Used 168 38.0 NA NA 89 100.0 67 21.3 0 0.0

Has Never Used 251 56.7 NA NA 0 0.0 246 78.7 0 0.0

Unknown 23 5.3 NA NA 0 0.0 0 0.0 20 84.5

Non-Bank Money Order

Has Ever Used 135 30.5 NA NA 78 87.7 50 15.9 1 6.1

Has Never Used 291 65.7 NA NA 11 12.3 263 84.1 9 36.9

Unknown 17 3.8 NA NA - - 0 0.0 14 57.1

Non-Bank Check Cashing

Has Ever Used 52 11.8 NA NA 37 41.7 9 2.9 - -

Has Never Used 372 83.9 NA NA 51 57.4 304 97.1 9 35.3

Unknown 19 4.3 NA NA 1 0.9 0 0.0 16 64.7

Non-Bank Remittances

Has Ever Used 39 8.7 NA NA 25 28.2 8 2.5 2 6.4

Has Never Used 383 86.6 NA NA 64 71.8 305 97.5 6 22.8

Unknown 21 4.7 NA NA - - 0 0.0 17 70.8

Payday Lending

Has Ever Used 14 3.2 NA NA 9 10.4 4 1.2 1 3.0

Has Never Used 411 92.9 NA NA 79 89.6 310 98.8 9 38.3

Unknown 17 3.9 NA NA - - 0 0.0 14 58.7

Pawn Shops

Has Ever Used 23 5.1 NA NA 7 7.9 11 3.7 1 3.0

Has Never Used 402 90.8 NA NA 82 92.1 302 96.3 8 32.6

Unknown 18 4.1 NA NA - - 0 0.0 16 64.4

Rent-to-Own

Has Ever Used 22 5.0 NA NA 17 19.3 3 1.1 - -

Has Never Used 400 90.4 NA NA 72 80.7 310 98.9 8 31.1

Unknown 20 4.6 NA NA - - 0 0.0 17 68.9

Refund Anticipation Loans

Has Ever Used 12 2.7 NA NA 6 6.5 5 1.7 - -

Has Never Used 413 93.3 NA NA 83 93.5 308 98.3 10 41.3

Unknown 18 4.0 NA NA - - 0 0.0 14 58.7

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-46 Timing of AFS Use by Banking Status: Hawaii

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 443 100.0 NA NA 89 100.0 313 100.0 24 100.0

Any AFS

In Last 30 Days 33 7.5 NA NA 30 33.6 0 0.0 0 0.0

In Last 2-12 Months 63 14.2 NA NA 59 66.4 0 0.0 0 0.0

Not in the Last 12 Months 72 16.3 NA NA 0 0.0 67 21.3 4 15.5

Never Used 251 56.7 NA NA 0 0.0 246 78.7 0 0.0

Unknown 23 5.3 NA NA 0 0.0 0 0.0 20 84.5

Non-Bank Money Order

In Last 30 Days 15 3.5 NA NA 13 14.5 0 0.0 - -

In Last 2-12 Months 43 9.8 NA NA 41 46.6 0 0.0 - -

Not in the Last 12 Months 76 17.3 NA NA 24 26.6 50 15.9 1 6.1

Never Used 291 65.7 NA NA 11 12.3 263 84.1 9 36.9

Unknown 17 3.8 NA NA - - - - 14 57.1

Non-Bank Check Cashing

In Last 30 Days 8 1.7 NA NA 6 6.9 0 0.0 - -

In Last 2-12 Months 32 7.2 NA NA 28 31.5 0 0.0 - -

Not in the Last 12 Months 13 2.9 NA NA 3 3.3 9 2.9 - -

Never Used 372 83.9 NA NA 51 57.4 304 97.1 9 35.3

Unknown 19 4.3 NA NA 1 0.9 - - 16 64.7

Non-Bank Remittances

In Last 30 Days 12 2.7 NA NA 12 13.7 0 0.0 - -

In Last 2-12 Months 11 2.4 NA NA 8 8.6 0 0.0 - -

Not in the Last 12 Months 16 3.6 NA NA 5 6.0 8 2.5 2 6.4

Never Used 383 86.6 NA NA 64 71.8 305 97.5 6 22.8

Unknown 21 4.7 NA NA - - - - 17 70.8

Payday Lending

In Last 30 Days 2 0.4 NA NA 2 2.1 0 0.0 - -

In Last 2-12 Months 1 0.1 NA NA 1 0.6 0 0.0 - -

Not in the Last 12 Months 12 2.7 NA NA 7 7.7 4 1.2 1 3.0

Never Used 411 92.9 NA NA 79 89.6 310 98.8 9 38.3

Unknown 17 3.9 NA NA - - - - 14 58.7
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-46 Timing of AFS Use by Banking Status: Hawaii

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Pawn Shops

In Last 30 Days 2 0.4 NA NA 2 2.1 0 0.0 - -

In Last 2-12 Months 2 0.4 NA NA 2 2.1 0 0.0 - -

Not in the Last 12 Months 19 4.2 NA NA 3 3.7 11 3.7 1 3.0

Never Used 402 90.8 NA NA 82 92.1 302 96.3 8 32.6

Unknown 18 4.1 NA NA - - - - 16 64.4

Rent-to-Owna

Used in last 12 months 7 1.5 NA NA 6 6.6 0 0.0 - -

Used but not in last 12 months 15 3.5 NA NA 11 12.8 3 1.1 - -

Never Used 400 90.4 NA NA 72 80.7 310 98.9 8 31.1

Unknown 20 4.6 NA NA - - - - 17 68.9

Refund Anticipation Loansa

Used in last 12 months 2 0.5 NA NA 2 2.7 0 0.0 - -

Used but not in last 12 months 10 2.2 NA NA 3 3.8 5 1.7 - -

Never Used 413 93.3 NA NA 83 93.5 308 98.3 10 41.3

Unknown 18 4.0 NA NA - - - - 14 58.7

Notes:

Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are 

categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as 

having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. a Households were not asked whether they used these AFS products in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-47 Use of AFS by Household Characteristic: Hawaii

Household Characteristic

All Households

Use of AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used a 

Transaction AFS Ever Used a Credit AFS

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 443 100.0 168 38.0 251 56.7 23 5.3 155 34.9 57 12.8

Banking Status

Unbanked 17 3.8 NA NA NA NA NA NA NA NA NA NA

Underbanked 89 20.0 89 100.0 0 0.0 0 0.0 84 94.7 31 34.7

Fully Banked 313 70.7 67 21.3 246 78.7 0 0.0 59 19.0 21 6.5

Banked but Underbanked Status Unknown 24 5.5 4 15.5 - - 20 84.5 3 12.5 1 3.0

Household Type

Family household 308 69.5 111 35.9 183 59.4 14 4.7 100 32.4 42 13.6

Female householder, no husband present 53 12.1 23 42.4 29 54.7 2 2.9 20 37.8 12 23.1

Male householder, no wife present 21 4.7 NA NA NA NA NA NA NA NA NA NA

Married couple 234 52.8 81 34.7 140 60.1 12 5.2 74 31.8 28 11.8

Nonfamily household 133 30.0 56 42.1 68 51.0 9 6.9 53 40.2 14 10.6

Female householder 73 16.6 34 46.6 34 46.5 5 6.9 33 44.9 8 11.2

Male householder 59 13.4 22 36.5 34 56.6 4 6.8 21 34.6 6 9.9

Other 2 0.5 NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 17 3.7 NA NA NA NA NA NA NA NA NA NA

Hispanic non-Black 30 6.7 19 64.9 10 35.1 - - 18 62.3 8 27.3

White non-Black non-Hispanic 112 25.2 38 34.1 68 60.9 6 5.0 33 29.1 13 11.9

Other non-Black non-Hispanic 285 64.4 96 33.6 171 60.2 18 6.3 88 31.1 35 12.2

Age

15 to 34 years 85 19.2 43 50.9 38 44.7 4 4.3 42 48.9 11 13.2

35 to 44 years 77 17.5 36 46.5 41 52.8 1 0.7 32 41.9 22 28.9

45 to 54 years 79 17.9 29 36.9 46 58.5 4 4.6 25 32.1 8 10.6

55 to 64 years 98 22.2 36 36.5 59 59.8 4 3.7 32 32.5 12 11.8

65 years or more 103 23.2 24 23.1 67 65.3 12 11.6 23 22.6 3 3.2

Education

No high school degree 33 7.4 19 59.1 10 29.8 4 11.1 18 56.0 3 8.1

High school degree 126 28.4 52 41.7 65 51.4 9 6.9 48 38.3 23 18.0

Some college 134 30.2 54 40.6 74 54.9 6 4.5 49 36.9 21 15.8

College degree 151 34.0 42 28.0 103 68.6 5 3.4 39 25.8 10 6.9

Household Income

Less than $15,000 57 12.8 26 46.2 25 43.7 6 10.2 24 43.2 6 10.7

Between $15,000 and $30,000 61 13.9 24 39.7 31 50.6 6 9.7 22 36.1 9 15.0

Between $30,000 and $50,000 83 18.8 32 38.4 46 54.7 6 6.9 28 33.9 14 16.8

Between $50,000 and $75,000 105 23.7 38 36.7 62 59.6 4 3.8 37 35.7 18 16.7

At Least $75,000 137 30.9 47 34.6 87 63.9 2 1.5 43 31.1 10 7.4

Homeownership

Homeowner 245 55.4 64 26.2 168 68.3 13 5.5 57 23.1 18 7.4

Non-homeowner 198 44.6 104 52.7 84 42.3 10 5.0 98 49.7 39 19.5

Notes:

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund 

anticipation loans.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-48 Timing of AFS Use by Household Characteristic: Hawaii

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 Daysb In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Used AFS in the Last 

Year

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 443 100.0 33 7.5 63 14.2 72 16.3 251 56.7 23 5.3 96 21.7

Banking Status

Unbanked 17 3.8 NA NA NA NA NA NA NA NA NA NA NA NA

Underbanked 89 20.0 30 33.6 59 66.4 0 0.0 0 0.0 0 0.0 89 100.0

Fully Banked 313 70.7 0 0.0 0 0.0 67 21.3 246 78.7 0 0.0 0 0.0

Banked but Underbanked Status Unknown 24 5.5 0 0.0 0 0.0 4 15.5 0 0.0 20 84.5 0 0.0

Household Type

Family household 308 69.5 24 8.0 41 13.4 45 14.6 183 59.4 14 4.7 66 21.3

Female householder, no husband present 53 12.1 6 11.2 5 9.2 12 22.0 29 54.7 2 2.9 11 20.4

Male householder, no wife present 21 4.7 NA NA NA NA NA NA NA NA NA NA NA NA

Married couple 234 52.8 17 7.2 34 14.7 30 12.8 140 60.1 12 5.2 51 21.9

Nonfamily household 133 30.0 9 6.5 21 15.5 27 20.0 68 51.0 9 6.9 29 22.1

Female householder 73 16.6 4 5.6 15 19.8 15 21.1 34 46.5 5 6.9 19 25.5

Male householder 59 13.4 5 7.7 6 10.2 11 18.7 34 56.6 4 6.8 11 17.8

Other 2 0.5 NA NA NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 17 3.7 NA NA NA NA NA NA NA NA NA NA NA NA

Hispanic non-Black 30 6.7 9 29.7 5 15.9 6 19.3 10 35.1 - - 13 45.6

White non-Black non-Hispanic 112 25.2 4 3.3 14 12.7 20 18.1 68 60.9 6 5.0 18 16.0

Other non-Black non-Hispanic 285 64.4 14 4.8 37 13.0 45 15.8 171 60.2 18 6.3 51 17.7

Age

15 to 34 years 85 19.2 14 16.9 18 20.9 11 13.1 38 44.7 4 4.3 32 37.8

35 to 44 years 77 17.5 3 4.2 19 24.9 13 17.3 41 52.8 1 0.7 23 29.1

45 to 54 years 79 17.9 6 7.5 7 8.9 16 20.5 46 58.5 4 4.6 13 16.4

55 to 64 years 98 22.2 5 4.6 15 15.3 16 16.6 59 59.8 4 3.7 20 19.9

65 years or more 103 23.2 5 4.9 4 3.5 15 14.7 67 65.3 12 11.6 9 8.4

Education

No high school degree 33 7.4 11 32.5 5 15.1 4 11.5 10 29.8 4 11.1 16 47.6

High school degree 126 28.4 9 6.9 21 16.7 23 18.1 65 51.4 9 6.9 30 23.6

Some college 134 30.2 9 6.8 25 18.5 20 15.2 74 54.9 6 4.5 34 25.3

College degree 151 34.0 5 3.2 12 8.0 25 16.8 103 68.6 5 3.4 17 11.2

Household Income

Less than $15,000 57 12.8 2 4.1 16 27.4 8 14.7 25 43.7 6 10.2 18 31.5

Between $15,000 and $30,000 61 13.9 7 10.9 8 12.8 10 16.0 31 50.6 6 9.7 15 23.7

Between $30,000 and $50,000 83 18.8 8 9.1 8 9.1 17 20.3 46 54.7 6 6.9 15 18.1

Between $50,000 and $75,000 105 23.7 5 5.1 20 18.6 14 12.9 62 59.6 4 3.8 25 23.7

At Least $75,000 137 30.9 11 8.2 12 9.0 24 17.4 87 63.9 2 1.5 24 17.2

Homeownership

Homeowner 245 55.4 9 3.7 14 5.8 41 16.7 168 68.3 13 5.5 23 9.5

Non-homeowner 198 44.6 24 12.2 49 24.6 31 15.9 84 42.3 10 5.0 73 36.7

Notes:

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use rent-to-own agreements or refund anticipation loans in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-49 Use of AFS by Banking Status: Idaho

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 589 100.0 NA NA 112 100.0 432 100.0 NA NA

Any AFS

Has Ever Used 254 43.0 NA NA 112 100.0 114 26.3 NA NA

Has Never Used 326 55.3 NA NA 0 0.0 318 73.7 NA NA

Unknown 10 1.6 NA NA 0 0.0 0 0.0 NA NA

Non-Bank Money Order

Has Ever Used 194 32.9 NA NA 85 75.6 91 21.0 NA NA

Has Never Used 390 66.1 NA NA 27 24.4 342 79.0 NA NA

Unknown 6 1.0 NA NA - - 0 0.0 NA NA

Non-Bank Check Cashing

Has Ever Used 81 13.7 NA NA 43 38.4 21 4.8 NA NA

Has Never Used 504 85.5 NA NA 68 60.5 411 95.2 NA NA

Unknown 5 0.8 NA NA 1 1.0 0 0.0 NA NA

Non-Bank Remittances

Has Ever Used 21 3.5 NA NA 12 10.9 4 0.9 NA NA

Has Never Used 560 95.0 NA NA 100 89.1 428 99.1 NA NA

Unknown 9 1.5 NA NA - - 0 0.0 NA NA

Payday Lending

Has Ever Used 56 9.5 NA NA 40 35.6 9 2.1 NA NA

Has Never Used 525 89.2 NA NA 72 64.4 423 97.9 NA NA

Unknown 8 1.3 NA NA - - 0 0.0 NA NA

Pawn Shops

Has Ever Used 62 10.4 NA NA 32 28.4 17 4.0 NA NA

Has Never Used 521 88.5 NA NA 80 71.6 415 96.0 NA NA

Unknown 6 1.1 NA NA - - 0 0.0 NA NA

Rent-to-Own

Has Ever Used 30 5.2 NA NA 15 13.3 8 1.8 NA NA

Has Never Used 553 93.7 NA NA 97 86.7 424 98.2 NA NA

Unknown 6 1.1 NA NA - - 0 0.0 NA NA

Refund Anticipation Loans

Has Ever Used 15 2.6 NA NA 8 6.7 5 1.3 NA NA

Has Never Used 566 96.1 NA NA 104 93.3 427 98.7 NA NA

Unknown 8 1.3 NA NA - - 0 0.0 NA NA

Notes: 

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-50 Timing of AFS Use by Banking Status: Idaho

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 589 100.0 NA NA 112 100.0 432 100.0 NA NA

Any AFS

In Last 30 Days 64 10.9 NA NA 46 40.9 0 0.0 NA NA

In Last 2-12 Months 70 11.8 NA NA 66 59.1 0 0.0 NA NA

Not in the Last 12 Months 120 20.3 NA NA 0 0.0 114 26.3 NA NA

Never Used 326 55.3 NA NA 0 0.0 318 73.7 NA NA

Unknown 10 1.6 NA NA 0 0.0 0 0.0 NA NA

Non-Bank Money Order

In Last 30 Days 29 4.9 NA NA 21 19.2 0 0.0 NA NA

In Last 2-12 Months 53 8.9 NA NA 46 41.4 0 0.0 NA NA

Not in the Last 12 Months 112 19.1 NA NA 17 15.1 91 21.0 NA NA

Never Used 390 66.1 NA NA 27 24.4 342 79.0 NA NA

Unknown 6 1.0 NA NA - - - - NA NA

Non-Bank Check Cashing

In Last 30 Days 24 4.1 NA NA 13 11.6 0 0.0 NA NA

In Last 2-12 Months 21 3.5 NA NA 21 18.6 0 0.0 NA NA

Not in the Last 12 Months 36 6.1 NA NA 9 8.2 21 4.8 NA NA

Never Used 504 85.5 NA NA 68 60.5 411 95.2 NA NA

Unknown 5 0.8 NA NA 1 1.0 - - NA NA

Non-Bank Remittances

In Last 30 Days 3 0.6 NA NA 2 2.0 0 0.0 NA NA

In Last 2-12 Months 8 1.4 NA NA 6 5.2 0 0.0 NA NA

Not in the Last 12 Months 9 1.5 NA NA 4 3.7 4 0.9 NA NA

Never Used 560 95.0 NA NA 100 89.1 428 99.1 NA NA

Unknown 9 1.5 NA NA - - - - NA NA

Payday Lending

In Last 30 Days 10 1.6 NA NA 10 8.5 0 0.0 NA NA

In Last 2-12 Months 15 2.6 NA NA 14 12.5 0 0.0 NA NA

Not in the Last 12 Months 31 5.3 NA NA 16 14.6 9 2.1 NA NA

Never Used 525 89.2 NA NA 72 64.4 423 97.9 NA NA

Unknown 8 1.3 NA NA - - - - NA NA
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-50 Timing of AFS Use by Banking Status: Idaho

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Pawn Shops

In Last 30 Days 8 1.3 NA NA 4 3.8 0 0.0 NA NA

In Last 2-12 Months 14 2.3 NA NA 11 10.0 0 0.0 NA NA

Not in the Last 12 Months 40 6.8 NA NA 16 14.6 17 4.0 NA NA

Never Used 521 88.5 NA NA 80 71.6 415 96.0 NA NA

Unknown 6 1.1 NA NA - - - - NA NA

Rent-to-Owna

Used in last 12 months 8 1.4 NA NA 7 6.0 0 0.0 NA NA

Used but not in last 12 months 22 3.8 NA NA 8 7.3 8 1.8 NA NA

Never Used 553 93.7 NA NA 97 86.7 424 98.2 NA NA

Unknown 6 1.1 NA NA - - - - NA NA

Refund Anticipation Loansa

Used in last 12 months 5 0.8 NA NA 3 3.1 0 0.0 NA NA

Used but not in last 12 months 11 1.8 NA NA 4 3.7 5 1.3 NA NA

Never Used 566 96.1 NA NA 104 93.3 427 98.7 NA NA

Unknown 8 1.3 NA NA - - - - NA NA

Notes:

Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are 

categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as 

having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. a Households were not asked whether they used these AFS products in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-51 Use of AFS by Household Characteristic: Idaho

Household Characteristic

All Households

Use of AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used a 

Transaction AFS Ever Used a Credit AFS

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 589 100.0 254 43.0 326 55.3 10 1.6 226 38.3 104 17.7

Banking Status

Unbanked 33 5.7 NA NA NA NA NA NA NA NA NA NA

Underbanked 112 19.0 112 100.0 0 0.0 0 0.0 101 90.7 59 53.1

Fully Banked 432 73.3 114 26.3 318 73.7 0 0.0 99 22.9 28 6.4

Banked but Underbanked Status Unknown 12 2.0 NA NA NA NA NA NA NA NA NA NA

Household Type

Family household 416 70.5 176 42.2 232 55.7 8 2.0 160 38.6 75 18.1

Female householder, no husband present 57 9.6 33 57.6 24 42.4 - - 32 55.7 19 32.9

Male householder, no wife present 19 3.2 NA NA NA NA NA NA NA NA NA NA

Married couple 340 57.7 132 38.8 201 59.1 7 2.1 118 34.6 53 15.5

Nonfamily household 173 29.3 78 45.3 93 54.0 1 0.7 66 38.1 29 16.9

Female householder 81 13.8 32 39.0 48 59.4 1 1.5 26 32.1 11 13.6

Male householder 92 15.5 46 50.8 45 49.2 - - 40 43.4 18 19.9

Other 1 0.2 NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 2 0.4 NA NA NA NA NA NA NA NA NA NA

Hispanic non-Black 57 9.6 22 39.0 32 56.2 3 4.8 21 36.6 8 13.5

White non-Black non-Hispanic 513 87.1 220 42.9 286 55.7 7 1.3 196 38.2 92 17.9

Other non-Black non-Hispanic 17 2.8 NA NA NA NA NA NA NA NA NA NA

Age

15 to 34 years 152 25.8 74 48.4 75 49.0 4 2.6 68 44.6 34 22.3

35 to 44 years 105 17.8 46 44.2 59 55.8 - - 43 41.3 24 23.2

45 to 54 years 117 19.9 62 52.7 53 45.2 2 2.1 54 45.6 23 20.0

55 to 64 years 103 17.5 40 38.4 61 59.4 2 2.1 32 30.6 18 17.6

65 years or more 111 18.9 32 28.8 78 70.2 1 1.0 30 26.6 4 4.0

Education

No high school degree 62 10.6 33 53.3 26 42.4 3 4.4 31 49.2 15 23.8

High school degree 180 30.5 79 44.0 99 55.2 1 0.8 71 39.6 39 21.5

Some college 204 34.7 90 44.0 111 54.3 4 1.7 78 38.3 36 17.8

College degree 143 24.2 51 36.0 89 62.5 2 1.4 46 32.2 15 10.3

Household Income

Less than $15,000 95 16.1 56 59.2 37 39.4 1 1.4 49 52.0 35 37.1

Between $15,000 and $30,000 139 23.5 70 50.4 67 48.6 1 1.0 63 45.3 28 20.1

Between $30,000 and $50,000 114 19.3 43 38.0 69 60.7 1 1.3 38 33.0 19 17.1

Between $50,000 and $75,000 124 21.1 48 38.9 76 61.1 - - 44 35.0 14 11.4

At Least $75,000 118 20.0 36 30.5 76 64.8 6 4.7 33 27.8 8 6.7

Homeownership

Homeowner 411 69.7 150 36.4 254 61.8 7 1.8 135 32.9 48 11.7

Non-homeowner 179 30.3 104 58.2 72 40.4 2 1.4 91 50.9 56 31.6

Notes:

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund 

anticipation loans.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-52 Timing of AFS Use by Household Characteristic: Idaho

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 Daysb

In Last 2-12 

Months

Not in the Last 12 

Months Never Used Unknown

Used AFS in the Last 

Year

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 589 100.0 64 10.9 70 11.8 120 20.3 326 55.3 10 1.6 134 22.7

Banking Status

Unbanked 33 5.7 NA NA NA NA NA NA NA NA NA NA NA NA

Underbanked 112 19.0 46 40.9 66 59.1 0 0.0 0 0.0 0 0.0 112 100.0

Fully Banked 432 73.3 0 0.0 0 0.0 114 26.3 318 73.7 0 0.0 0 0.0

Banked but Underbanked Status Unknown 12 2.0 0 0.0 0 0.0 NA NA 0 0.0 NA NA 0 0.0

Household Type

Family household 416 70.5 49 11.7 51 12.2 76 18.3 232 55.7 8 2.0 100 24.0

Female householder, no husband present 57 9.6 15 26.5 9 16.5 8 14.7 24 42.4 - - 24 43.0

Male householder, no wife present 19 3.2 NA NA NA NA NA NA NA NA NA NA NA NA

Married couple 340 57.7 30 8.8 35 10.4 67 19.7 201 59.1 7 2.1 65 19.2

Nonfamily household 173 29.3 16 9.0 19 10.9 44 25.4 93 54.0 1 0.7 34 19.9

Female householder 81 13.8 5 5.8 6 7.2 21 26.0 48 59.4 1 1.5 11 13.0

Male householder 92 15.5 11 11.9 13 14.1 23 24.8 45 49.2 - - 24 26.0

Other 1 0.2 NA NA NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 2 0.4 NA NA NA NA NA NA NA NA NA NA NA NA

Hispanic non-Black 57 9.6 15 25.8 3 4.6 5 8.5 32 56.2 3 4.8 17 30.4

White non-Black non-Hispanic 513 87.1 47 9.2 64 12.4 110 21.3 286 55.7 7 1.3 111 21.6

Other non-Black non-Hispanic 17 2.8 NA NA NA NA NA NA NA NA NA NA NA NA

Age

15 to 34 years 152 25.8 24 15.8 27 17.6 23 14.9 75 49.0 4 2.6 51 33.5

35 to 44 years 105 17.8 20 18.8 13 12.5 13 12.8 59 55.8 - - 33 31.3

45 to 54 years 117 19.9 10 8.2 17 14.8 35 29.8 53 45.2 2 2.1 27 22.9

55 to 64 years 103 17.5 8 7.5 9 8.8 23 22.1 61 59.4 2 2.1 17 16.3

65 years or more 111 18.9 3 2.8 3 3.0 26 23.0 78 70.2 1 1.0 6 5.8

Education

No high school degree 62 10.6 21 33.5 4 6.2 8 13.5 26 42.4 3 4.4 25 39.7

High school degree 180 30.5 20 11.2 30 16.4 30 16.4 99 55.2 1 0.8 50 27.6

Some college 204 34.7 19 9.2 26 12.9 45 21.9 111 54.3 4 1.7 45 22.1

College degree 143 24.2 5 3.2 10 6.9 37 25.9 89 62.5 2 1.4 15 10.2

Household Income

Less than $15,000 95 16.1 24 25.7 18 18.8 14 14.8 37 39.4 1 1.4 42 44.4

Between $15,000 and $30,000 139 23.5 18 13.1 21 15.1 31 22.3 67 48.6 1 1.0 39 28.2

Between $30,000 and $50,000 114 19.3 10 9.1 10 8.5 23 20.5 69 60.7 1 1.3 20 17.5

Between $50,000 and $75,000 124 21.1 6 4.4 9 7.2 34 27.3 76 61.1 - - 14 11.6

At Least $75,000 118 20.0 6 5.1 12 10.5 18 14.9 76 64.8 6 4.7 18 15.6

Homeownership

Homeowner 411 69.7 27 6.6 31 7.5 92 22.3 254 61.8 7 1.8 58 14.1

Non-homeowner 179 30.3 37 20.8 39 21.7 28 15.6 72 40.4 2 1.4 76 42.6

Notes:

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as 

having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 

months. The unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use 

rent-to-own agreements or refund anticipation loans in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-53 Use of AFS by Banking Status: Illinois

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 4,956 100.0 374 100.0 879 100.0 3,546 100.0 156 100.0

Any AFS

Has Ever Used 1,966 39.7 294 78.6 879 100.0 775 21.8 0 0.0

Has Never Used 2,828 57.1 56 15.1 0 0.0 2,772 78.2 0 0.0

Unknown 162 3.3 24 6.3 0 0.0 0 0.0 138 88.5

Non-Bank Money Order

Has Ever Used 1,422 28.7 221 58.9 671 76.4 520 14.7 10 6.2

Has Never Used 3,387 68.3 116 30.9 208 23.6 3,026 85.3 37 23.7

Unknown 147 3.0 38 10.1 - - 0 0.0 109 70.0

Non-Bank Check Cashing

Has Ever Used 648 13.1 186 49.7 294 33.5 156 4.4 12 7.4

Has Never Used 4,185 84.4 165 44.0 585 66.5 3,391 95.6 45 28.7

Unknown 124 2.5 24 6.3 - - 0 0.0 100 63.9

Non-Bank Remittances

Has Ever Used 320 6.5 40 10.7 214 24.4 65 1.8 - -

Has Never Used 4,500 90.8 304 81.2 665 75.6 3,481 98.2 50 31.9

Unknown 137 2.8 30 8.1 - - 0 0.0 106 68.1

Payday Lending

Has Ever Used 211 4.3 28 7.5 129 14.7 54 1.5 - -

Has Never Used 4,604 92.9 320 85.5 747 85.0 3,492 98.5 44 28.4

Unknown 141 2.9 26 7.0 3 0.4 0 0.0 112 71.6

Pawn Shops

Has Ever Used 261 5.3 52 13.8 118 13.4 92 2.6 - -

Has Never Used 4,567 92.2 296 79.2 758 86.2 3,455 97.4 58 37.0

Unknown 128 2.6 26 7.0 3 0.4 0 0.0 98 63.0

Rent-to-Own

Has Ever Used 209 4.2 36 9.6 102 11.6 71 2.0 - -

Has Never Used 4,610 93.0 304 81.2 774 88.0 3,475 98.0 57 36.2

Unknown 137 2.8 34 9.1 3 0.4 0 0.0 100 63.8

Refund Anticipation Loans

Has Ever Used 151 3.1 30 7.9 85 9.7 32 0.9 4 2.7

Has Never Used 4,648 93.8 310 82.9 791 90.0 3,514 99.1 32 20.8

Unknown 157 3.2 34 9.1 3 0.4 0 0.0 119 76.5

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

Table C-54 Timing of AFS Use by Banking Status: Illinois

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 4,956 100.0 374 100.0 879 100.0 3,546 100.0 156 100.0

Any AFS

In Last 30 Days 509 10.3 161 43.1 347 39.5 0 0.0 0 0.0

In Last 2-12 Months 615 12.4 83 22.2 532 60.5 0 0.0 0 0.0

Not in the Last 12 Months 842 17.0 50 13.4 0 0.0 775 21.8 18 11.5

Never Used 2,828 57.1 56 15.1 0 0.0 2,772 78.2 0 0.0

Unknown 162 3.3 24 6.3 0 0.0 0 0.0 138 88.5

Non-Bank Money Order

In Last 30 Days 316 6.4 99 26.5 217 24.6 0 0.0 - -

In Last 2-12 Months 457 9.2 83 22.1 374 42.5 0 0.0 - -

Not in the Last 12 Months 650 13.1 39 10.4 81 9.2 520 14.7 10 6.2

Never Used 3,387 68.3 116 30.9 208 23.6 3,026 85.3 37 23.7

Unknown 147 3.0 38 10.1 - - - - 109 70.0

Non-Bank Check Cashing

In Last 30 Days 208 4.2 99 26.5 109 12.4 0 0.0 - -

In Last 2-12 Months 159 3.2 61 16.4 97 11.1 0 0.0 - -

Not in the Last 12 Months 281 5.7 26 6.8 88 10.0 156 4.4 12 7.4

Never Used 4,185 84.4 165 44.0 585 66.5 3,391 95.6 45 28.7

Unknown 124 2.5 24 6.3 - - - - 100 63.9

Non-Bank Remittances

In Last 30 Days 82 1.7 19 5.0 63 7.2 0 0.0 - -

In Last 2-12 Months 144 2.9 12 3.1 132 15.0 0 0.0 - -

Not in the Last 12 Months 95 1.9 10 2.7 19 2.2 65 1.8 - -

Never Used 4,500 90.8 304 81.2 665 75.6 3,481 98.2 50 31.9

Unknown 137 2.8 30 8.1 - - - - 106 68.1

Payday Lending

In Last 30 Days 7 0.1 - - 7 0.8 0 0.0 - -

In Last 2-12 Months 50 1.0 4 1.2 46 5.2 0 0.0 - -

Not in the Last 12 Months 154 3.1 24 6.3 76 8.7 54 1.5 - -

Never Used 4,604 92.9 320 85.5 747 85.0 3,492 98.5 44 28.4

Unknown 141 2.9 26 7.0 3 0.4 - - 112 71.6
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-54 Timing of AFS Use by Banking Status: Illinois

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Pawn Shops

In Last 30 Days 12 0.2 4 1.0 8 0.9 0 0.0 - -

In Last 2-12 Months 64 1.3 21 5.6 43 4.9 0 0.0 - -

Not in the Last 12 Months 185 3.7 27 7.2 67 7.6 92 2.6 - -

Never Used 4,567 92.2 296 79.2 758 86.2 3,455 97.4 58 37.0

Unknown 128 2.6 26 7.0 3 0.4 - - 98 63.0

Rent-to-Owna

Used in last 12 months 50 1.0 15 3.9 35 4.0 0 0.0 - -

Used but not in last 12 months 159 3.2 22 5.8 67 7.6 71 2.0 - -

Never Used 4,610 93.0 304 81.2 774 88.0 3,475 98.0 57 36.2

Unknown 137 2.8 34 9.1 3 0.4 - - 100 63.8

Refund Anticipation Loansa

Used in last 12 months 48 1.0 11 3.0 36 4.1 0 0.0 - -

Used but not in last 12 months 100 2.0 18 4.9 49 5.5 32 0.9 - -

Never Used 4,648 93.8 310 82.9 791 90.0 3,514 99.1 32 20.8

Unknown 161 3.2 34 9.1 3 0.4 - - 124 79.2

Notes:

Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are 

categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as 

having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. a Households were not asked whether they used these AFS products in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

Table C-55 Use of AFS by Household Characteristic: Illinois

Household Characteristic

All Households

Use of AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used a 

Transaction AFS Ever Used a Credit AFS

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 4,956 100.0 1,966 39.7 2,828 57.1 162 3.3 1,782 36.0 599 12.1

Banking Status

Unbanked 374 7.6 294 78.6 56 15.1 24 6.3 271 72.4 102 27.3

Underbanked 879 17.7 879 100.0 0 0.0 0 0.0 836 95.1 284 32.3

Fully Banked 3,546 71.6 775 21.8 2,772 78.2 0 0.0 657 18.5 209 5.9

Banked but Underbanked Status Unknown 156 3.2 18 11.5 - - 138 88.5 18 11.5 4 2.7

Household Type

Family household 3,208 64.7 1,291 40.2 1,836 57.2 80 2.5 1,163 36.3 395 12.3

Female householder, no husband present 630 12.7 344 54.6 273 43.3 13 2.1 283 44.9 144 22.9

Male householder, no wife present 212 4.3 126 59.5 76 35.9 10 4.6 111 52.4 45 21.1

Married couple 2,366 47.7 821 34.7 1,487 62.9 58 2.4 770 32.5 206 8.7

Nonfamily household 1,745 35.2 671 38.5 992 56.9 82 4.7 615 35.2 200 11.5

Female householder 947 19.1 316 33.4 577 60.9 54 5.7 301 31.8 90 9.5

Male householder 798 16.1 356 44.5 415 52.0 28 3.5 314 39.3 110 13.8

Other 4 0.1 NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 726 14.6 412 56.7 250 34.4 64 8.9 375 51.6 138 19.0

Hispanic non-Black 517 10.4 311 60.2 195 37.7 11 2.2 293 56.7 46 9.0

White non-Black non-Hispanic 3,495 70.5 1,206 34.5 2,202 63.0 87 2.5 1,078 30.8 412 11.8

Other non-Black non-Hispanic 219 4.4 37 16.9 182 83.1 - - 37 16.9 3 1.2

Age

15 to 34 years 1,077 21.7 520 48.3 538 49.9 19 1.8 454 42.2 201 18.6

35 to 44 years 919 18.5 382 41.5 507 55.2 30 3.2 340 37.0 149 16.2

45 to 54 years 1,046 21.1 449 42.9 543 51.9 54 5.2 417 39.8 124 11.8

55 to 64 years 958 19.3 353 36.9 574 59.9 31 3.2 321 33.5 91 9.5

65 years or more 957 19.3 262 27.4 667 69.7 27 2.9 252 26.3 35 3.6

Education

No high school degree 459 9.3 258 56.2 194 42.2 7 1.5 247 53.9 55 12.0

High school degree 1,529 30.8 652 42.7 809 52.9 67 4.4 567 37.1 235 15.4

Some college 1,298 26.2 578 44.5 677 52.2 43 3.3 509 39.3 223 17.2

College degree 1,671 33.7 477 28.6 1,148 68.7 45 2.7 459 27.5 86 5.1

Household Income

Less than $15,000 727 14.7 400 55.0 296 40.6 32 4.4 355 48.9 155 21.4

Between $15,000 and $30,000 883 17.8 428 48.5 404 45.8 51 5.8 383 43.3 165 18.7

Between $30,000 and $50,000 890 18.0 390 43.8 482 54.2 18 2.0 346 38.9 112 12.6

Between $50,000 and $75,000 946 19.1 340 35.9 581 61.4 26 2.7 319 33.7 93 9.8

At Least $75,000 1,510 30.5 409 27.1 1,066 70.6 36 2.4 379 25.1 73 4.9

Homeownership

Homeowner 3,479 70.2 1,111 31.9 2,257 64.9 111 3.2 1,015 29.2 292 8.4

Non-homeowner 1,477 29.8 855 57.9 571 38.7 51 3.4 767 52.0 308 20.8

Notes:

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund 

anticipation loans.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-56 Timing of AFS Use by Household Characteristic: Illinois

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 Daysb In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Used AFS in the Last 

Year

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 4,956 100.0 509 10.3 615 12.4 842 17.0 2,828 57.1 162 3.3 1,124 22.7

Banking Status

Unbanked 374 7.6 161 43.1 83 22.2 50 13.4 56 15.1 24 6.3 244 65.3

Underbanked 879 17.7 347 39.5 532 60.5 0 0.0 0 0.0 0 0.0 879 100.0

Fully Banked 3,546 71.6 0 0.0 0 0.0 775 21.8 2,772 78.2 0 0.0 0 0.0

Banked but Underbanked Status Unknown 156 3.2 0 0.0 0 0.0 18 11.5 0 0.0 138 88.5 0 0.0

Household Type

Family household 3,208 64.7 346 10.8 412 12.9 532 16.6 1,836 57.2 80 2.5 759 23.7

Female householder, no husband present 630 12.7 96 15.3 135 21.4 113 17.9 273 43.3 13 2.1 231 36.7

Male householder, no wife present 212 4.3 44 20.8 48 22.6 34 16.1 76 35.9 10 4.6 92 43.4

Married couple 2,366 47.7 206 8.7 230 9.7 385 16.3 1,487 62.9 58 2.4 436 18.4

Nonfamily household 1,745 35.2 162 9.3 199 11.4 310 17.8 992 56.9 82 4.7 361 20.7

Female householder 947 19.1 63 6.7 99 10.5 153 16.2 577 60.9 54 5.7 162 17.1

Male householder 798 16.1 99 12.4 100 12.5 157 19.6 415 52.0 28 3.5 199 24.9

Other 4 0.1 NA NA NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 726 14.6 149 20.6 165 22.8 97 13.4 250 34.4 64 8.9 314 43.3

Hispanic non-Black 517 10.4 143 27.7 83 16.1 85 16.4 195 37.7 11 2.2 226 43.8

White non-Black non-Hispanic 3,495 70.5 206 5.9 353 10.1 648 18.5 2,202 63.0 87 2.5 559 16.0

Other non-Black non-Hispanic 219 4.4 11 5.0 13 6.1 13 5.8 182 83.1 - - 24 11.1

Age

15 to 34 years 1,077 21.7 155 14.4 193 18.0 171 15.9 538 49.9 19 1.8 348 32.4

35 to 44 years 919 18.5 107 11.7 130 14.1 145 15.8 507 55.2 30 3.2 237 25.8

45 to 54 years 1,046 21.1 109 10.4 127 12.1 214 20.4 543 51.9 54 5.2 235 22.5

55 to 64 years 958 19.3 91 9.5 99 10.3 164 17.1 574 59.9 31 3.2 189 19.8

65 years or more 957 19.3 47 4.9 67 7.0 149 15.5 667 69.7 27 2.9 114 11.9

Education

No high school degree 459 9.3 125 27.3 65 14.1 68 14.9 194 42.2 7 1.5 190 41.4

High school degree 1,529 30.8 166 10.8 222 14.5 265 17.3 809 52.9 67 4.4 388 25.4

Some college 1,298 26.2 152 11.7 173 13.3 253 19.5 677 52.2 43 3.3 325 25.0

College degree 1,671 33.7 65 3.9 156 9.3 256 15.3 1,148 68.7 45 2.7 221 13.2

Household Income

Less than $15,000 727 14.7 144 19.8 129 17.8 127 17.4 296 40.6 32 4.4 273 37.6

Between $15,000 and $30,000 883 17.8 126 14.2 138 15.6 164 18.6 404 45.8 51 5.8 264 29.9

Between $30,000 and $50,000 890 18.0 106 11.9 123 13.9 160 18.0 482 54.2 18 2.0 229 25.8

Between $50,000 and $75,000 946 19.1 83 8.8 104 11.0 153 16.2 581 61.4 26 2.7 186 19.7

At Least $75,000 1,510 30.5 50 3.3 121 8.0 238 15.7 1,066 70.6 36 2.4 171 11.3

Homeownership

Homeowner 3,479 70.2 202 5.8 355 10.2 554 15.9 2,257 64.9 111 3.2 557 16.0

Non-homeowner 1,477 29.8 306 20.7 260 17.6 288 19.5 571 38.7 51 3.4 567 38.4

Notes:

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as 

having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 

months. The unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use 

rent-to-own agreements or refund anticipation loans in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-57 Use of AFS by Banking Status: Indiana

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 2,560 100.0 201 100.0 489 100.0 1,817 100.0 NA NA

Any AFS

Has Ever Used 1,046 40.8 144 71.9 489 100.0 407 22.4 NA NA

Has Never Used 1,457 56.9 46 23.0 0 0.0 1,411 77.6 NA NA

Unknown 57 2.2 10 5.2 0 0.0 0 0.0 NA NA

Non-Bank Money Order

Has Ever Used 804 31.4 118 58.6 371 75.8 312 17.2 NA NA

Has Never Used 1,694 66.2 67 33.6 118 24.2 1,505 82.8 NA NA

Unknown 62 2.4 16 7.8 - - 0 0.0

Non-Bank Check Cashing NA NA

Has Ever Used 340 13.3 106 53.0 161 32.9 70 3.9 NA NA

Has Never Used 2,175 85.0 87 43.5 328 67.1 1,747 96.1 NA NA

Unknown 45 1.8 7 3.5 - - 0 0.0 NA NA

Non-Bank Remittances

Has Ever Used 64 2.5 14 6.9 32 6.6 18 1.0 NA NA

Has Never Used 2,442 95.4 171 85.3 457 93.4 1,799 99.0 NA NA

Unknown 54 2.1 16 7.8 - - 0 0.0 NA NA

Payday Lending

Has Ever Used 147 5.7 30 14.8 100 20.4 17 1.0 NA NA

Has Never Used 2,354 92.0 155 77.4 389 79.6 1,800 99.0 NA NA

Unknown 59 2.3 16 7.8 - - 0 0.0 NA NA

Pawn Shops

Has Ever Used 160 6.3 44 21.7 91 18.6 26 1.4 NA NA

Has Never Used 2,342 91.5 141 70.5 398 81.4 1,791 98.6 NA NA

Unknown 58 2.3 16 7.8 - - 0 0.0 NA NA

Rent-to-Own

Has Ever Used 180 7.0 33 16.3 110 22.5 37 2.0 NA NA

Has Never Used 2,322 90.7 152 76.0 379 77.5 1,780 98.0 NA NA

Unknown 58 2.3 16 7.8 - - 0 0.0 NA NA

Refund Anticipation Loans

Has Ever Used 81 3.1 8 4.2 55 11.3 17 0.9 NA NA

Has Never Used 2,416 94.4 177 88.1 433 88.7 1,800 99.1 NA NA

Unknown 63 2.4 16 7.8 - - 0 0.0 NA NA

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-58 Timing of AFS Use by Banking Status: Indiana

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 2,560 100.0 201 100.0 489 100.0 1,817 100.0 NA NA

Any AFS

In Last 30 Days 278 10.9 105 52.4 173 35.3 0 0.0 NA NA

In Last 2-12 Months 338 13.2 22 11.1 316 64.7 0 0.0 NA NA

Not in the Last 12 Months 429 16.8 17 8.4 0 0.0 407 22.4 NA NA

Never Used 1,457 56.9 46 23.0 0 0.0 1,411 77.6 NA NA

Unknown 57 2.2 10 5.2 0 0.0 0 0.0 NA NA

Non-Bank Money Order

In Last 30 Days 198 7.7 67 33.4 131 26.8 0 0.0 NA NA

In Last 2-12 Months 240 9.4 31 15.3 209 42.8 0 0.0 NA NA

Not in the Last 12 Months 365 14.3 20 10.0 30 6.1 312 17.2 NA NA

Never Used 1,694 66.2 67 33.6 118 24.2 1,505 82.8 NA NA

Unknown 62 2.4 16 7.8 - - - - NA NA

Non-Bank Check Cashing

In Last 30 Days 112 4.4 69 34.6 42 8.7 0 0.0 NA NA

In Last 2-12 Months 87 3.4 20 10.0 67 13.7 0 0.0 NA NA

Not in the Last 12 Months 141 5.5 17 8.5 51 10.5 70 3.9 NA NA

Never Used 2,175 85.0 87 43.5 328 67.1 1,747 96.1 NA NA

Unknown 45 1.8 7 3.5 - - - - NA NA

Non-Bank Remittances

In Last 30 Days 4 0.2 4 2.1 - - 0 0.0 NA NA

In Last 2-12 Months 26 1.0 4 2.2 21 4.3 0 0.0 NA NA

Not in the Last 12 Months 34 1.3 5 2.6 11 2.3 18 1.0 NA NA

Never Used 2,442 95.4 171 85.3 457 93.4 1,799 99.0 NA NA

Unknown 54 2.1 16 7.8 - - - - NA NA

Payday Lending

In Last 30 Days 20 0.8 - - 20 4.1 0 0.0 NA NA

In Last 2-12 Months 37 1.5 8 4.0 29 6.0 0 0.0 NA NA

Not in the Last 12 Months 89 3.5 22 10.8 50 10.2 17 1.0 NA NA

Never Used 2,354 92.0 155 77.4 389 79.6 1,800 99.0 NA NA

Unknown 59 2.3 16 7.8 - - - - NA NA
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-58 Timing of AFS Use by Banking Status: Indiana

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Pawn Shops

In Last 30 Days 13 0.5 - - 13 2.6 0 0.0 NA NA

In Last 2-12 Months 39 1.5 20 10.2 19 3.9 0 0.0 NA NA

Not in the Last 12 Months 108 4.2 23 11.6 59 12.0 26 1.4 NA NA

Never Used 2,342 91.5 141 70.5 398 81.4 1,791 98.6 NA NA

Unknown 58 2.3 16 7.8 - - - - NA NA

Rent-to-Owna

Used in last 12 months 66 2.6 4 1.9 62 12.7 0 0.0 NA NA

Used but not in last 12 months 114 4.5 29 14.3 48 9.9 37 2.0 NA NA

Never Used 2,322 90.7 152 76.0 379 77.5 1,780 98.0 NA NA

Unknown 58 2.3 16 7.8 - - - - NA NA

Refund Anticipation Loansa

Used in last 12 months 39 1.5 4 1.9 35 7.2 0 0.0 NA NA

Used but not in last 12 months 42 1.6 4 2.2 20 4.2 17 0.9 NA NA

Never Used 2,416 94.4 177 88.1 433 88.7 1,800 99.1 NA NA

Unknown 63 2.4 16 7.8 - - - - NA NA

Notes:

Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are 

categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as 

having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. a Households were not asked whether they used these AFS products in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-59 Use of AFS by Household Characteristic: Indiana

Household Characteristic

All Households

Use of AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used a 

Transaction AFS Ever Used a Credit AFS

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 2,560 100.0 1,046 40.8 1,457 56.9 57 2.2 931 36.4 359 14.0

Banking Status

Unbanked 201 7.8 144 71.9 46 23.0 10 5.2 140 69.8 61 30.2

Underbanked 489 19.1 489 100.0 0 0.0 0 0.0 433 88.6 221 45.2

Fully Banked 1,817 71.0 407 22.4 1,411 77.6 0 0.0 352 19.4 77 4.3

Banked but Underbanked Status Unknown 53 2.1 NA NA NA NA NA NA NA NA NA NA

Household Type

Family household 1,709 66.8 663 38.8 1,007 58.9 39 2.3 590 34.5 247 14.4

Female householder, no husband present 334 13.1 203 60.8 119 35.6 12 3.5 174 51.9 103 30.8

Male householder, no wife present 134 5.2 72 53.7 58 43.3 4 3.0 66 49.7 25 18.5

Married couple 1,241 48.5 388 31.3 830 66.9 23 1.8 350 28.2 119 9.6

Nonfamily household 850 33.2 382 45.0 449 52.9 19 2.2 341 40.1 112 13.2

Female householder 437 17.1 199 45.5 230 52.5 9 2.0 173 39.6 46 10.5

Male householder 413 16.1 184 44.4 220 53.2 10 2.4 168 40.6 66 16.0

Race/Ethnicity

Black 240 9.4 178 74.2 54 22.5 8 3.3 158 65.7 89 37.1

Hispanic non-Black 77 3.0 NA NA NA NA NA NA NA NA NA NA

White non-Black non-Hispanic 2,201 86.0 812 36.9 1,348 61.2 42 1.9 722 32.8 262 11.9

Other non-Black non-Hispanic 42 1.6 NA NA NA NA NA NA NA NA NA NA

Age

15 to 34 years 573 22.4 324 56.5 236 41.2 13 2.2 284 49.6 139 24.3

35 to 44 years 403 15.7 173 42.9 223 55.3 7 1.8 161 39.9 68 17.0

45 to 54 years 524 20.5 235 44.8 274 52.4 15 2.8 202 38.6 77 14.7

55 to 64 years 448 17.5 152 34.0 281 62.7 15 3.3 129 28.7 51 11.4

65 years or more 612 23.9 162 26.5 442 72.2 8 1.3 155 25.4 23 3.8

Education

No high school degree 264 10.3 145 54.8 103 39.1 16 6.1 121 45.9 41 15.4

High school degree 1,012 39.5 423 41.8 569 56.2 20 2.0 364 36.0 166 16.4

Some college 724 28.3 298 41.1 416 57.5 10 1.4 269 37.2 116 16.1

College degree 560 21.9 180 32.2 368 65.8 11 2.0 177 31.6 36 6.5

Household Income

Less than $15,000 478 18.7 259 54.1 208 43.6 11 2.3 230 48.1 105 22.0

Between $15,000 and $30,000 481 18.8 243 50.6 222 46.2 15 3.2 217 45.1 95 19.7

Between $30,000 and $50,000 614 24.0 265 43.2 329 53.5 20 3.3 229 37.2 119 19.3

Between $50,000 and $75,000 468 18.3 123 26.2 346 73.8 - - 111 23.7 12 2.5

At Least $75,000 518 20.2 156 30.0 352 67.9 11 2.1 144 27.9 29 5.6

Homeownership

Homeowner 1,820 71.1 599 32.9 1,176 64.6 45 2.5 552 30.3 144 7.9

Non-homeowner 739 28.9 446 60.4 280 37.9 12 1.7 379 51.3 215 29.0

Notes:

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund 

anticipation loans.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-60 Timing of AFS Use by Household Characteristic: Indiana

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 Daysb In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Used AFS in the Last 

Year

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 2,560 100.0 278 10.9 338 13.2 429 16.8 1,457 56.9 57 2.2 616 24.1

Banking Status

Unbanked 201 7.8 105 52.4 22 11.1 17 8.4 46 23.0 10 5.2 127 63.5

Underbanked 489 19.1 173 35.3 316 64.7 0 0.0 0 0.0 0 0.0 489 100.0

Fully Banked 1,817 71.0 0 0.0 0 0.0 407 22.4 1,411 77.6 0 0.0 0 0.0

Banked but Underbanked Status Unknown 53 2.1 0 0.0 0 0.0 NA NA 0 0.0 NA NA 0 0.0

Household Type

Family household 1,709 66.8 185 10.8 214 12.5 264 15.4 1,007 58.9 39 2.3 399 23.4

Female householder, no husband present 334 13.1 65 19.5 61 18.2 77 23.1 119 35.6 12 3.5 126 37.7

Male householder, no wife present 134 5.2 29 21.4 21 15.6 22 16.7 58 43.3 4 3.0 49 37.0

Married couple 1,241 48.5 92 7.4 132 10.6 165 13.3 830 66.9 23 1.8 224 18.0

Nonfamily household 850 33.2 92 10.9 125 14.7 165 19.4 449 52.9 19 2.2 217 25.5

Female householder 437 17.1 46 10.5 44 10.1 108 24.8 230 52.5 9 2.0 90 20.7

Male householder 413 16.1 46 11.2 80 19.4 57 13.8 220 53.2 10 2.4 127 30.6

Race/Ethnicity

Black 240 9.4 96 39.9 40 16.8 42 17.5 54 22.5 8 3.3 136 56.7

Hispanic non-Black 77 3.0 NA NA NA NA NA NA NA NA NA NA NA NA

White non-Black non-Hispanic 2,201 86.0 154 7.0 281 12.8 376 17.1 1,348 61.2 42 1.9 436 19.8

Other non-Black non-Hispanic 42 1.6 NA NA NA NA NA NA NA NA NA NA NA NA

Age

15 to 34 years 573 22.4 112 19.5 113 19.7 99 17.3 236 41.2 13 2.2 225 39.3

35 to 44 years 403 15.7 60 15.0 47 11.7 65 16.1 223 55.3 7 1.8 108 26.7

45 to 54 years 524 20.5 57 10.8 88 16.8 90 17.2 274 52.4 15 2.8 145 27.6

55 to 64 years 448 17.5 21 4.6 49 10.9 83 18.5 281 62.7 15 3.3 69 15.5

65 years or more 612 23.9 28 4.6 41 6.7 92 15.1 442 72.2 8 1.3 69 11.3

Education

No high school degree 264 10.3 59 22.4 37 13.8 49 18.6 103 39.1 16 6.1 96 36.2

High school degree 1,012 39.5 124 12.2 143 14.1 157 15.5 569 56.2 20 2.0 266 26.3

Some college 724 28.3 72 9.9 94 13.0 131 18.1 416 57.5 10 1.4 166 23.0

College degree 560 21.9 23 4.1 65 11.6 92 16.5 368 65.8 11 2.0 88 15.7

Household Income

Less than $15,000 478 18.7 99 20.7 68 14.2 92 19.2 208 43.6 11 2.3 167 34.9

Between $15,000 and $30,000 481 18.8 68 14.2 91 19.0 84 17.4 222 46.2 15 3.2 160 33.2

Between $30,000 and $50,000 614 24.0 77 12.6 81 13.1 107 17.4 329 53.5 20 3.3 158 25.7

Between $50,000 and $75,000 468 18.3 20 4.2 32 6.7 72 15.3 346 73.8 - - 51 10.9

At Least $75,000 518 20.2 14 2.6 67 12.9 75 14.5 352 67.9 11 2.1 80 15.5

Homeownership

Homeowner 1,820 71.1 98 5.4 195 10.7 306 16.8 1,176 64.6 45 2.5 293 16.1

Non-homeowner 739 28.9 179 24.3 144 19.4 123 16.7 280 37.9 12 1.7 323 43.7

Notes:

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as 

having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 

months. The unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use 

rent-to-own agreements or refund anticipation loans in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-61 Use of AFS by Banking Status: Iowa

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 1,244 100.0 54 100.0 215 100.0 932 100.0 43 100.0

Any AFS

Has Ever Used 437 35.1 43 79.8 215 100.0 173 18.5 0 0.0

Has Never Used 769 61.8 10 17.6 0 0.0 760 81.5 0 0.0

Unknown 38 3.1 1 2.7 0 0.0 0 0.0 37 85.4

Non-Bank Money Order

Has Ever Used 305 24.5 30 55.8 150 69.9 122 13.1 3 6.5

Has Never Used 909 73.1 21 38.9 62 28.9 810 86.9 16 37.7

Unknown 30 2.4 3 5.2 3 1.3 0 0.0 24 55.8

Non-Bank Check Cashing

Has Ever Used 142 11.4 23 42.2 80 37.2 36 3.9 3 8.1

Has Never Used 1,078 86.7 28 52.4 135 62.8 896 96.1 19 43.3

Unknown 24 1.9 3 5.4 - - 0 0.0 21 48.6

Non-Bank Remittances

Has Ever Used 43 3.4 2 3.4 35 16.1 5 0.5 1 3.1

Has Never Used 1,176 94.6 51 93.9 177 82.6 927 99.5 21 49.2

Unknown 25 2.0 1 2.7 3 1.3 0 0.0 21 47.7

Payday Lending

Has Ever Used 55 4.4 3 6.0 37 17.0 15 1.6 - -

Has Never Used 1,158 93.1 47 86.1 175 81.7 917 98.4 19 44.6

Unknown 31 2.5 4 8.0 3 1.3 0 0.0 24 55.4

Pawn Shops

Has Ever Used 80 6.4 12 21.8 41 19.0 27 2.9 - -

Has Never Used 1,129 90.8 40 72.9 171 79.7 905 97.1 14 32.1

Unknown 35 2.8 3 5.2 3 1.3 0 0.0 29 67.9

Rent-to-Own

Has Ever Used 70 5.6 10 18.6 44 20.6 16 1.7 - -

Has Never Used 1,139 91.6 41 76.2 168 78.2 916 98.3 14 32.7

Unknown 35 2.8 3 5.2 3 1.3 0 0.0 29 67.3

Refund Anticipation Loans

Has Ever Used 42 3.3 6 10.7 24 11.2 12 1.3 - -

Has Never Used 1,166 93.7 44 81.3 188 87.5 920 98.7 14 32.2

Unknown 36 2.9 4 8.0 3 1.3 0 0.0 29 67.8

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

Table C-62 Timing of AFS Use by Banking Status: Iowa

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 1,244 100.0 54 100.0 215 100.0 932 100.0 43 100.0

Any AFS

In Last 30 Days 117 9.4 25 45.2 93 43.2 0 0.0 0 0.0

In Last 2-12 Months 133 10.7 11 19.8 122 56.8 0 0.0 0 0.0

Not in the Last 12 Months 187 15.0 8 14.7 0 0.0 173 18.5 6 14.6

Never Used 769 61.8 10 17.6 0 0.0 760 81.5 0 0.0

Unknown 38 3.1 1 2.7 0 0.0 0 0.0 37 85.4

Non-Bank Money Order

In Last 30 Days 77 6.2 17 30.9 60 27.9 0 0.0 - -

In Last 2-12 Months 79 6.4 5 10.1 74 34.4 0 0.0 - -

Not in the Last 12 Months 149 12.0 8 14.8 16 7.6 122 13.1 3 6.5

Never Used 909 73.1 21 38.9 62 28.9 810 86.9 16 37.7

Unknown 30 2.4 3 5.2 3 1.3 - - 24 55.8

Non-Bank Check Cashing

In Last 30 Days 35 2.8 12 22.6 23 10.8 0 0.0 - -

In Last 2-12 Months 46 3.7 6 11.7 40 18.6 0 0.0 - -

Not in the Last 12 Months 61 4.9 4 7.9 17 7.9 36 3.9 3 8.1

Never Used 1,078 86.7 28 52.4 135 62.8 896 96.1 19 43.3

Unknown 24 1.9 3 5.4 - - - - 21 48.6

Non-Bank Remittances

In Last 30 Days 15 1.2 - - 15 6.9 0 0.0 - -

In Last 2-12 Months 15 1.2 2 3.4 13 6.1 0 0.0 - -

Not in the Last 12 Months 13 1.0 - - 7 3.1 5 0.5 1 3.1

Never Used 1,176 94.6 51 93.9 177 82.6 927 99.5 21 49.2

Unknown 25 2.0 1 2.7 3 1.3 - - 21 47.7

Payday Lending

In Last 30 Days 9 0.7 - - 9 4.0 0 0.0 - -

In Last 2-12 Months 14 1.2 2 3.2 13 5.9 0 0.0 - -

Not in the Last 12 Months 32 2.6 2 2.8 15 7.1 15 1.6 - -

Never Used 1,158 93.1 47 86.1 175 81.7 917 98.4 19 44.6

Unknown 31 2.5 4 8.0 3 1.3 - - 24 55.4
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-62 Timing of AFS Use by Banking Status: Iowa

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Pawn Shops

In Last 30 Days 1 0.1 - - 1 0.7 0 0.0 - -

In Last 2-12 Months 22 1.8 4 8.2 18 8.2 0 0.0 - -

Not in the Last 12 Months 56 4.5 7 13.6 22 10.1 27 2.9 - -

Never Used 1,129 90.8 40 72.9 171 79.7 905 97.1 14 32.1

Unknown 35 2.8 3 5.2 3 1.3 - - 29 67.9

Rent-to-Owna

Used in last 12 months 26 2.1 4 8.2 21 10.0 0 0.0 - -

Used but not in last 12 months 44 3.6 6 10.4 23 10.6 16 1.7 - -

Never Used 1,139 91.6 41 76.2 168 78.2 916 98.3 14 32.7

Unknown 35 2.8 3 5.2 3 1.3 - - 29 67.3

Refund Anticipation Loansa

Used in last 12 months 13 1.1 3 5.7 10 4.8 0 0.0 - -

Used but not in last 12 months 28 2.3 3 5.0 14 6.4 12 1.3 - -

Never Used 1,166 93.7 44 81.3 188 87.5 920 98.7 14 32.2

Unknown 36 2.9 4 8.0 3 1.3 - - 29 67.8

Notes:

Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are 

categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as 

having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. a Households were not asked whether they used these AFS products in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

Table C-63 Use of AFS by Household Characteristic: Iowa

Household Characteristic

All Households

Use of AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used a 

Transaction AFS Ever Used a Credit AFS

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 1,244 100.0 437 35.1 769 61.8 38 3.1 384 30.9 158 12.7

Banking Status

Unbanked 54 4.4 43 79.8 10 17.6 1 2.7 40 74.2 17 32.0

Underbanked 215 17.2 215 100.0 0 0.0 0 0.0 194 90.4 89 41.6

Fully Banked 932 74.9 173 18.5 760 81.5 0 0.0 144 15.4 51 5.5

Banked but Underbanked Status Unknown 43 3.5 6 14.6 - - 37 85.4 6 14.6 - -

Household Type

Family household 806 64.8 286 35.6 485 60.2 34 4.3 253 31.4 103 12.7

Female householder, no husband present 124 10.0 78 62.8 41 32.9 5 4.2 71 57.2 34 27.2

Male householder, no wife present 53 4.3 23 43.3 24 45.9 6 10.9 22 40.8 10 18.1

Married couple 628 50.5 185 29.5 420 66.8 23 3.7 160 25.5 59 9.4

Nonfamily household 437 35.1 150 34.4 283 64.7 4 0.9 132 30.1 55 12.7

Female householder 224 18.0 61 27.1 160 71.7 3 1.2 55 24.4 21 9.5

Male householder 214 17.2 90 42.0 123 57.4 1 0.6 77 36.0 34 16.0

Other 1 0.1 NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 43 3.5 NA NA NA NA NA NA NA NA NA NA

Hispanic non-Black 48 3.9 28 58.3 17 35.6 3 6.0 25 51.6 6 12.4

White non-Black non-Hispanic 1,126 90.5 366 32.5 726 64.5 34 3.0 317 28.2 135 12.0

Other non-Black non-Hispanic 26 2.1 NA NA NA NA NA NA NA NA NA NA

Age

15 to 34 years 300 24.1 132 44.1 163 54.4 5 1.5 116 38.8 52 17.2

35 to 44 years 192 15.5 79 41.1 104 53.8 10 5.0 71 36.6 38 19.8

45 to 54 years 228 18.3 93 40.6 127 55.6 9 3.7 83 36.4 30 13.3

55 to 64 years 246 19.8 70 28.4 170 69.0 6 2.6 62 25.3 21 8.6

65 years or more 278 22.3 63 22.7 206 74.1 9 3.2 52 18.8 17 6.1

Education

No high school degree 102 8.2 48 47.2 53 51.4 1 1.4 44 43.0 18 17.3

High school degree 403 32.4 162 40.2 235 58.2 7 1.7 137 33.8 66 16.3

Some college 406 32.6 148 36.5 238 58.5 20 5.0 130 31.9 64 15.9

College degree 332 26.7 78 23.6 244 73.5 10 3.0 74 22.3 10 3.1

Household Income

Less than $15,000 197 15.9 93 46.9 98 49.8 6 3.3 81 41.0 44 22.4

Between $15,000 and $30,000 214 17.2 88 41.1 121 56.5 5 2.4 77 35.9 44 20.7

Between $30,000 and $50,000 282 22.7 108 38.3 165 58.7 9 3.0 95 33.7 32 11.3

Between $50,000 and $75,000 260 20.9 69 26.5 184 70.8 7 2.7 61 23.4 19 7.5

At Least $75,000 291 23.4 79 27.3 200 69.0 11 3.8 71 24.3 18 6.2

Homeownership

Homeowner 869 69.8 246 28.4 590 67.9 32 3.7 214 24.7 77 8.9

Non-homeowner 375 30.2 190 50.7 179 47.8 6 1.5 170 45.3 81 21.6

Notes:

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund anticipation loans.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-64 Timing of AFS Use by Household Characteristic: Iowa

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 Daysb In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Used AFS in the Last 

Year

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 1,244 100.0 117 9.4 133 10.7 187 15.0 769 61.8 38 3.1 250 20.1

Banking Status

Unbanked 54 4.4 25 45.2 11 19.8 8 14.7 10 17.6 1 2.7 35 65.0

Underbanked 215 17.2 93 43.2 122 56.8 0 0.0 0 0.0 0 0.0 215 100.0

Fully Banked 932 74.9 0 0.0 0 0.0 173 18.5 760 81.5 0 0.0 0 0.0

Banked but Underbanked Status Unknown 43 3.5 0 0.0 0 0.0 6 14.6 0 0.0 37 85.4 0 0.0

Household Type

Family household 806 64.8 72 8.9 94 11.6 121 15.0 485 60.2 34 4.3 165 20.5

Female householder, no husband present 124 10.0 33 26.6 21 17.0 24 19.2 41 32.9 5 4.2 54 43.6

Male householder, no wife present 53 4.3 3 5.2 15 27.3 6 10.8 24 45.9 6 10.9 17 32.5

Married couple 628 50.5 36 5.8 58 9.2 91 14.5 420 66.8 23 3.7 94 15.0

Nonfamily household 437 35.1 45 10.4 39 8.9 66 15.1 283 64.7 4 0.9 84 19.3

Female householder 224 18.0 21 9.4 13 5.8 27 11.9 160 71.7 3 1.2 34 15.2

Male householder 214 17.2 24 11.4 26 12.2 39 18.4 123 57.4 1 0.6 50 23.6

Other 1 0.1 NA NA NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 43 3.5 NA NA NA NA NA NA NA NA NA NA NA NA

Hispanic non-Black 48 3.9 11 22.8 7 14.2 10 21.4 17 35.6 3 6.0 18 37.0

White non-Black non-Hispanic 1,126 90.5 84 7.5 115 10.2 167 14.9 726 64.5 34 3.0 199 17.7

Other non-Black non-Hispanic 26 2.1 NA NA NA NA NA NA NA NA NA NA NA NA

Age

15 to 34 years 300 24.1 46 15.4 44 14.7 42 14.0 163 54.4 5 1.5 90 30.1

35 to 44 years 192 15.5 29 15.3 26 13.3 24 12.6 104 53.8 10 5.0 55 28.6

45 to 54 years 228 18.3 20 8.7 35 15.3 38 16.6 127 55.6 9 3.7 55 24.0

55 to 64 years 246 19.8 15 6.0 19 7.6 36 14.7 170 69.0 6 2.6 34 13.6

65 years or more 278 22.3 7 2.5 9 3.3 47 16.8 206 74.1 9 3.2 16 5.9

Education

No high school degree 102 8.2 18 17.2 15 14.4 16 15.6 53 51.4 1 1.4 32 31.6

High school degree 403 32.4 48 12.0 40 9.8 74 18.4 235 58.2 7 1.7 88 21.8

Some college 406 32.6 38 9.5 50 12.3 60 14.8 238 58.5 20 5.0 88 21.7

College degree 332 26.7 13 3.9 29 8.6 37 11.1 244 73.5 10 3.0 41 12.5

Household Income

Less than $15,000 197 15.9 41 20.8 21 10.7 30 15.4 98 49.8 6 3.3 62 31.5

Between $15,000 and $30,000 214 17.2 31 14.5 22 10.4 35 16.2 121 56.5 5 2.4 53 24.9

Between $30,000 and $50,000 282 22.7 25 9.0 38 13.3 45 16.0 165 58.7 9 3.0 63 22.3

Between $50,000 and $75,000 260 20.9 8 3.2 27 10.2 34 13.1 184 70.8 7 2.7 35 13.4

At Least $75,000 291 23.4 12 4.0 25 8.6 43 14.7 200 69.0 11 3.8 37 12.6

Homeownership

Homeowner 869 69.8 47 5.4 68 7.8 132 15.2 590 67.9 32 3.7 115 13.2

Non-homeowner 375 30.2 70 18.7 65 17.2 55 14.7 179 47.8 6 1.5 135 36.0

Notes:

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as 

having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 

months. The unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use 

rent-to-own agreements or refund anticipation loans in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-65 Use of AFS by Banking Status: Kansas

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 1,136 100.0 81 100.0 223 100.0 814 100.0 NA NA

Any AFS

Has Ever Used 496 43.6 70 86.6 223 100.0 199 24.5 NA NA

Has Never Used 622 54.8 8 9.9 0 0.0 614 75.5 NA NA

Unknown 18 1.6 3 3.5 0 0.0 0 0.0 NA NA

Non-Bank Money Order

Has Ever Used 366 32.2 59 73.7 169 75.5 136 16.7 NA NA

Has Never Used 759 66.8 18 22.8 55 24.5 678 83.3 NA NA

Unknown 11 1.0 3 3.5 - - 0 0.0 NA NA

Non-Bank Check Cashing

Has Ever Used 186 16.4 53 65.3 94 42.0 40 4.9 NA NA

Has Never Used 937 82.4 25 31.2 130 58.0 774 95.1 NA NA

Unknown 13 1.2 3 3.5 - - 0 0.0 NA NA

Non-Bank Remittances

Has Ever Used 51 4.5 13 15.6 27 11.9 11 1.4 NA NA

Has Never Used 1,068 94.0 65 80.9 195 87.5 802 98.6 NA NA

Unknown 18 1.6 3 3.5 1 0.7 0 0.0 NA NA

Payday Lending

Has Ever Used 106 9.4 18 21.8 62 27.9 26 3.2 NA NA

Has Never Used 1,012 89.1 59 72.8 158 70.7 787 96.8 NA NA

Unknown 18 1.6 4 5.3 3 1.4 0 0.0 NA NA

Pawn Shops

Has Ever Used 109 9.6 29 36.4 55 24.5 25 3.0 NA NA

Has Never Used 1,009 88.9 47 58.3 166 74.1 789 97.0 NA NA

Unknown 18 1.6 4 5.3 3 1.4 0 0.0 NA NA

Rent-to-Own

Has Ever Used 86 7.6 22 27.3 38 17.1 25 3.0 NA NA

Has Never Used 1,033 91.0 54 67.4 185 82.9 789 97.0 NA NA

Unknown 16 1.4 4 5.3 - - 0 0.0 NA NA

Refund Anticipation Loans

Has Ever Used 46 4.0 10 11.9 33 14.9 3 0.4 NA NA

Has Never Used 1,074 94.5 67 82.8 189 84.4 811 99.6 NA NA

Unknown 16 1.4 4 5.3 2 0.7 0 0.0 NA NA

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-66 Timing of AFS Use by Banking Status: Kansas

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 1,136 100.0 81 100.0 223 100.0 814 100.0 NA NA

Any AFS

In Last 30 Days 158 13.9 57 70.8 101 45.1 0 0.0 NA NA

In Last 2-12 Months 134 11.8 12 14.4 123 54.9 0 0.0 NA NA

Not in the Last 12 Months 203 17.9 1 1.4 0 0.0 199 24.5 NA NA

Never Used 622 54.8 8 9.9 0 0.0 614 75.5 NA NA

Unknown 18 1.6 3 3.5 0 0.0 0 0.0 NA NA

Non-Bank Money Order

In Last 30 Days 104 9.2 45 55.7 59 26.5 0 0.0 NA NA

In Last 2-12 Months 98 8.7 13 16.4 85 38.1 0 0.0 NA NA

Not in the Last 12 Months 163 14.3 1 1.7 24 10.9 136 16.7 NA NA

Never Used 759 66.8 18 22.8 55 24.5 678 83.3 NA NA

Unknown 11 1.0 3 3.5 - - - - NA NA

Non-Bank Check Cashing

In Last 30 Days 60 5.3 27 33.4 34 15.0 0 0.0 NA NA

In Last 2-12 Months 46 4.0 14 17.5 31 14.1 0 0.0 NA NA

Not in the Last 12 Months 80 7.1 12 14.4 29 12.9 40 4.9 NA NA

Never Used 937 82.4 25 31.2 130 58.0 774 95.1 NA NA

Unknown 13 1.2 3 3.5 - - - - NA NA

Non-Bank Remittances

In Last 30 Days 10 0.9 4 5.5 6 2.6 0 0.0 NA NA

In Last 2-12 Months 12 1.1 3 3.8 9 4.0 0 0.0 NA NA

Not in the Last 12 Months 28 2.5 5 6.3 12 5.3 11 1.4 NA NA

Never Used 1,068 94.0 65 80.9 195 87.5 802 98.6 NA NA

Unknown 18 1.6 3 3.5 1 0.7 - - NA NA

Payday Lending

In Last 30 Days 15 1.3 2 2.9 13 5.7 0 0.0 NA NA

In Last 2-12 Months 23 2.0 4 5.4 18 8.2 0 0.0 NA NA

Not in the Last 12 Months 69 6.0 11 13.5 31 14.0 26 3.2 NA NA

Never Used 1,012 89.1 59 72.8 158 70.7 787 96.8 NA NA

Unknown 18 1.6 4 5.3 3 1.4 - - NA NA
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-66 Timing of AFS Use by Banking Status: Kansas

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Pawn Shops

In Last 30 Days 15 1.3 3 4.1 11 5.1 0 0.0 NA NA

In Last 2-12 Months 29 2.6 6 7.5 23 10.3 0 0.0 NA NA

Not in the Last 12 Months 65 5.7 20 24.8 20 9.1 25 3.0 NA NA

Never Used 1,009 88.9 47 58.3 166 74.1 789 97.0 NA NA

Unknown 18 1.6 4 5.3 3 1.4 - - NA NA

Rent-to-Owna

Used in last 12 months 30 2.6 11 13.2 19 8.7 0 0.0 NA NA

Used but not in last 12 months 56 4.9 11 14.1 19 8.4 25 3.0 NA NA

Never Used 1,033 91.0 54 67.4 185 82.9 789 97.0 NA NA

Unknown 16 1.4 4 5.3 - - - - NA NA

Refund Anticipation Loansa

Used in last 12 months 22 1.9 - - 22 9.7 0 0.0 NA NA

Used but not in last 12 months 24 2.1 10 11.9 12 5.2 3 0.4 NA NA

Never Used 1,074 94.5 67 82.8 189 84.4 811 99.6 NA NA

Unknown 16 1.4 4 5.3 2 0.7 - - NA NA

Notes:

Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are 

categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as 

having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. a Households were not asked whether they used these AFS products in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-67 Use of AFS by Household Characteristic: Kansas

Household Characteristic

All Households

Use of AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used a 

Transaction AFS Ever Used a Credit AFS

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 1,136 100.0 496 43.6 622 54.8 18 1.6 442 38.9 223 19.6

Banking Status

Unbanked 81 7.1 70 86.6 8 9.9 3 3.5 68 84.4 41 50.5

Underbanked 223 19.7 223 100.0 0 0.0 0 0.0 205 91.8 111 49.6

Fully Banked 814 71.6 199 24.5 614 75.5 0 0.0 167 20.5 70 8.6

Banked but Underbanked Status Unknown 18 1.6 NA NA NA NA NA NA NA NA NA NA

Household Type

Family household 720 63.4 320 44.5 389 54.0 11 1.5 293 40.7 142 19.7

Female householder, no husband present 134 11.8 70 52.5 61 45.3 3 2.2 63 46.9 48 35.9

Male householder, no wife present 58 5.1 38 65.4 20 34.6 - - 36 63.0 18 30.6

Married couple 528 46.5 212 40.2 308 58.3 8 1.5 194 36.7 76 14.4

Nonfamily household 416 36.6 175 42.1 233 56.1 8 1.8 149 35.7 81 19.5

Female householder 197 17.4 74 37.3 122 61.9 2 0.8 58 29.6 31 15.9

Male householder 219 19.3 101 46.3 112 50.9 6 2.7 90 41.3 50 22.8

Race/Ethnicity

Black 78 6.8 62 79.8 16 20.2 - - 55 70.5 34 44.4

Hispanic non-Black 82 7.3 54 65.5 24 29.2 4 5.3 49 59.9 24 28.6

White non-Black non-Hispanic 920 81.0 356 38.7 550 59.8 14 1.5 315 34.2 156 17.0

Other non-Black non-Hispanic 56 4.9 23 41.4 33 58.6 - - 23 41.4 9 15.9

Age

15 to 34 years 289 25.4 152 52.8 130 44.9 7 2.3 136 47.0 65 22.6

35 to 44 years 176 15.5 96 54.7 76 43.2 4 2.1 83 47.2 52 29.4

45 to 54 years 213 18.7 106 49.8 105 49.5 2 0.7 99 46.8 43 20.2

55 to 64 years 192 16.9 77 39.8 114 59.3 2 0.8 69 35.8 40 20.6

65 years or more 266 23.5 64 24.1 197 74.1 5 1.8 55 20.6 23 8.7

Education

No high school degree 97 8.5 54 55.9 40 41.6 2 2.5 52 54.0 23 24.2

High school degree 327 28.8 150 45.9 173 53.0 4 1.1 136 41.6 72 22.1

Some college 360 31.7 179 49.7 175 48.5 6 1.7 153 42.4 89 24.8

College degree 352 31.0 112 31.9 234 66.4 6 1.7 101 28.6 38 10.7

Household Income

Less than $15,000 201 17.7 110 55.0 87 43.5 3 1.5 102 51.0 65 32.6

Between $15,000 and $30,000 238 21.0 118 49.4 116 48.8 4 1.8 104 43.9 62 25.9

Between $30,000 and $50,000 242 21.3 106 43.9 130 53.6 6 2.5 90 37.4 46 19.2

Between $50,000 and $75,000 194 17.0 74 38.1 116 60.1 3 1.8 63 32.5 26 13.3

At Least $75,000 262 23.0 88 33.5 173 65.9 2 0.6 82 31.3 24 9.0

Homeownership

Homeowner 742 65.3 271 36.5 459 61.8 12 1.7 247 33.3 88 11.9

Non-homeowner 394 34.7 225 57.0 164 41.5 6 1.5 195 49.4 135 34.2

Notes:

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund anticipation loans.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-68 Timing of AFS Use by Household Characteristic: Kansas

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 Daysb In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Used AFS in the Last 

Year

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 1,136 100.0 158 13.9 134 11.8 203 17.9 622 54.8 18 1.6 292 25.7

Banking Status

Unbanked 81 7.1 57 70.8 12 14.4 1 1.4 8 9.9 3 3.5 69 85.2

Underbanked 223 19.7 101 45.1 123 54.9 0 0.0 0 0.0 0 0.0 223 100.0

Fully Banked 814 71.6 0 0.0 0 0.0 199 24.5 614 75.5 0 0.0 0 0.0

Banked but Underbanked Status Unknown 18 1.6 0 0.0 0 0.0 NA NA 0 0.0 NA NA 0 0.0

Household Type

Family household 720 63.4 97 13.5 93 12.9 130 18.1 389 54.0 11 1.5 190 26.4

Female householder, no husband present 134 11.8 37 27.5 16 12.1 17 12.9 61 45.3 3 2.2 53 39.6

Male householder, no wife present 58 5.1 14 24.3 16 27.7 8 13.4 20 34.6 - - 30 52.1

Married couple 528 46.5 46 8.8 61 11.5 105 19.9 308 58.3 8 1.5 107 20.3

Nonfamily household 416 36.6 61 14.5 41 9.9 73 17.6 233 56.1 8 1.8 102 24.5

Female householder 197 17.4 33 16.6 11 5.5 30 15.3 122 61.9 2 0.8 44 22.1

Male householder 219 19.3 28 12.7 31 13.9 43 19.7 112 50.9 6 2.7 58 26.6

Race/Ethnicity

Black 78 6.8 29 37.0 18 22.8 16 20.0 16 20.2 - - 46 59.8

Hispanic non-Black 82 7.3 31 37.6 10 11.6 13 16.4 24 29.2 4 5.3 41 49.2

White non-Black non-Hispanic 920 81.0 91 9.9 94 10.2 171 18.6 550 59.8 14 1.5 185 20.1

Other non-Black non-Hispanic 56 4.9 7 12.7 13 23.1 3 5.7 33 58.6 - - 20 35.7

Age

15 to 34 years 289 25.4 58 20.0 48 16.7 47 16.1 130 44.9 7 2.3 106 36.6

35 to 44 years 176 15.5 27 15.2 34 19.5 35 20.0 76 43.2 4 2.1 61 34.7

45 to 54 years 213 18.7 33 15.7 27 12.7 46 21.4 105 49.5 2 0.7 60 28.4

55 to 64 years 192 16.9 27 14.0 14 7.4 36 18.5 114 59.3 2 0.8 41 21.4

65 years or more 266 23.5 13 5.0 11 4.0 40 15.2 197 74.1 5 1.8 24 9.0

Education

No high school degree 97 8.5 35 36.4 10 10.6 9 8.9 40 41.6 2 2.5 46 46.9

High school degree 327 28.8 54 16.5 42 12.9 54 16.5 173 53.0 4 1.1 96 29.4

Some college 360 31.7 60 16.7 45 12.6 74 20.5 175 48.5 6 1.7 105 29.3

College degree 352 31.0 9 2.5 37 10.4 67 19.0 234 66.4 6 1.7 45 12.9

Household Income

Less than $15,000 201 17.7 63 31.5 21 10.5 26 13.0 87 43.5 3 1.5 84 42.0

Between $15,000 and $30,000 238 21.0 41 17.2 36 15.0 41 17.2 116 48.8 4 1.8 77 32.2

Between $30,000 and $50,000 242 21.3 31 12.6 30 12.2 46 19.0 130 53.6 6 2.5 60 24.9

Between $50,000 and $75,000 194 17.0 14 7.0 13 6.8 47 24.3 116 60.1 3 1.8 27 13.8

At Least $75,000 262 23.0 10 3.7 35 13.2 43 16.6 173 65.9 2 0.6 44 16.9

Homeownership

Homeowner 742 65.3 62 8.4 68 9.1 141 19.1 459 61.8 12 1.7 129 17.4

Non-homeowner 394 34.7 96 24.4 67 16.9 62 15.7 164 41.5 6 1.5 163 41.3

Notes:

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as 

having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 

months. The unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use 

rent-to-own agreements or refund anticipation loans in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-69 Use of AFS by Banking Status: Kentucky

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 1,819 100.0 179 100.0 391 100.0 1,225 100.0 NA NA

Any AFS

Has Ever Used 851 46.8 140 78.2 391 100.0 312 25.5 NA NA

Has Never Used 944 51.9 31 17.3 0 0.0 913 74.5 NA NA

Unknown 25 1.4 8 4.5 0 0.0 0 0.0 NA NA

Non-Bank Money Order

Has Ever Used 675 37.1 116 64.5 312 79.8 242 19.8 NA NA

Has Never Used 1,127 61.9 56 31.0 79 20.2 983 80.2 NA NA

Unknown 18 1.0 8 4.5 - - 0 0.0 NA NA

Non-Bank Check Cashing

Has Ever Used 245 13.5 68 37.8 125 32.0 53 4.3 NA NA

Has Never Used 1,552 85.3 103 57.7 263 67.4 1,173 95.7 NA NA

Unknown 22 1.2 8 4.5 2 0.6 0 0.0 NA NA

Non-Bank Remittances

Has Ever Used 48 2.7 15 8.6 21 5.3 10 0.8 NA NA

Has Never Used 1,756 96.5 156 86.9 370 94.7 1,216 99.2 NA NA

Unknown 15 0.8 8 4.5 - - 0 0.0

Payday Lending NA NA

Has Ever Used 101 5.5 19 10.3 67 17.1 15 1.2 NA NA

Has Never Used 1,696 93.2 153 85.1 321 82.2 1,210 98.8 NA NA

Unknown 23 1.3 8 4.5 3 0.7 0 0.0 NA NA

Pawn Shops

Has Ever Used 161 8.9 45 25.0 76 19.5 40 3.3 NA NA

Has Never Used 1,630 89.6 126 70.5 312 79.8 1,185 96.7 NA NA

Unknown 28 1.5 8 4.5 3 0.7 0 0.0 NA NA

Rent-to-Own

Has Ever Used 123 6.7 34 19.0 56 14.4 32 2.6 NA NA

Has Never Used 1,671 91.8 137 76.5 332 84.9 1,193 97.4 NA NA

Unknown 26 1.4 8 4.5 3 0.7 0 0.0 NA NA

Refund Anticipation Loans

Has Ever Used 97 5.3 21 11.6 57 14.5 20 1.6 NA NA

Has Never Used 1,694 93.1 150 83.9 331 84.8 1,205 98.4 NA NA

Unknown 28 1.5 8 4.5 3 0.7 0 0.0 NA NA

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated 

that the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-70 Timing of AFS Use by Banking Status: Kentucky

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 1,819 100.0 179 100.0 391 100.0 1,225 100.0 NA NA

Any AFS

In Last 30 Days 238 13.1 82 45.6 156 40.0 0 0.0 NA NA

In Last 2-12 Months 274 15.1 40 22.1 234 60.0 0 0.0 NA NA

Not in the Last 12 Months 339 18.6 19 10.5 0 0.0 312 25.5 NA NA

Never Used 944 51.9 31 17.3 0 0.0 913 74.5 NA NA

Unknown 25 1.4 8 4.5 0 0.0 0 0.0 NA NA

Non-Bank Money Order

In Last 30 Days 177 9.7 67 37.5 109 28.0 0 0.0 NA NA

In Last 2-12 Months 201 11.0 31 17.4 170 43.4 0 0.0 NA NA

Not in the Last 12 Months 297 16.3 17 9.5 33 8.4 242 19.8 NA NA

Never Used 1,127 61.9 56 31.0 79 20.2 983 80.2 NA NA

Unknown 18 1.0 8 4.5 - - - - NA NA

Non-Bank Check Cashing

In Last 30 Days 71 3.9 32 17.9 39 9.9 0 0.0 NA NA

In Last 2-12 Months 68 3.7 24 13.4 44 11.3 0 0.0 NA NA

Not in the Last 12 Months 106 5.8 12 6.5 42 10.8 53 4.3 NA NA

Never Used 1,552 85.3 103 57.7 263 67.4 1,173 95.7 NA NA

Unknown 22 1.2 8 4.5 2 0.6 - - NA NA

Non-Bank Remittances

In Last 30 Days 5 0.3 5 2.6 - - 0 0.0 NA NA

In Last 2-12 Months 24 1.3 8 4.4 16 4.1 0 0.0 NA NA

Not in the Last 12 Months 20 1.1 3 1.5 5 1.2 10 0.8 NA NA

Never Used 1,756 96.5 156 86.9 370 94.7 1,216 99.2 NA NA

Unknown 15 0.8 8 4.5 - - - - NA NA

Payday Lending

In Last 30 Days 29 1.6 5 2.6 24 6.2 0 0.0 NA NA

In Last 2-12 Months 21 1.2 2 1.1 19 4.9 0 0.0 NA NA

Not in the Last 12 Months 50 2.8 12 6.6 23 5.9 15 1.2 NA NA

Never Used 1,696 93.2 153 85.1 321 82.2 1,210 98.8 NA NA

Unknown 23 1.3 8 4.5 3 0.7 - - NA NA
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-70 Timing of AFS Use by Banking Status: Kentucky

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Pawn Shops

In Last 30 Days 20 1.1 11 6.0 10 2.5 0 0.0 NA NA

In Last 2-12 Months 43 2.4 11 5.9 32 8.3 0 0.0 NA NA

Not in the Last 12 Months 98 5.4 23 13.1 34 8.7 40 3.3 NA NA

Never Used 1,630 89.6 126 70.5 312 79.8 1,185 96.7 NA NA

Unknown 28 1.5 8 4.5 3 0.7 - - NA NA

Rent-to-Owna

Used in last 12 months 37 2.0 10 5.5 27 7.0 0 0.0 NA NA

Used but not in last 12 months 86 4.7 24 13.5 29 7.5 32 2.6 NA NA

Never Used 1,671 91.8 137 76.5 332 84.9 1,193 97.4 NA NA

Unknown 26 1.4 8 4.5 3 0.7 - - NA NA

Refund Anticipation Loansa

Used in last 12 months 12 0.7 3 1.4 9 2.4 0 0.0 NA NA

Used but not in last 12 months 85 4.7 18 10.2 47 12.1 20 1.6 NA NA

Never Used 1,694 93.1 150 83.9 331 84.8 1,205 98.4 NA NA

Unknown 28 1.5 8 4.5 3 0.7 - - NA NA

Notes:

Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. a Households were not asked whether they used these AFS products in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-71 Use of AFS by Household Characteristic: Kentucky

Household Characteristic

All Households

Use of AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used a 

Transaction AFS Ever Used a Credit AFS

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 1,819 100.0 851 46.8 944 51.9 25 1.4 765 42.0 328 18.0

Banking Status

Unbanked 179 9.9 140 78.2 31 17.3 8 4.5 138 77.1 72 40.1

Underbanked 391 21.5 391 100.0 0 0.0 0 0.0 353 90.4 173 44.3

Fully Banked 1,225 67.3 312 25.5 913 74.5 0 0.0 266 21.7 83 6.8

Banked but Underbanked Status Unknown 24 1.3 NA NA NA NA NA NA NA NA NA NA

Household Type

Family household 1,186 65.2 594 50.1 579 48.8 12 1.0 538 45.4 233 19.6

Female householder, no husband present 262 14.4 148 56.4 112 42.8 2 0.8 135 51.4 82 31.4

Male householder, no wife present 80 4.4 NA NA NA NA NA NA NA NA NA NA

Married couple 844 46.4 402 47.7 431 51.1 10 1.2 367 43.5 135 16.0

Nonfamily household 634 34.8 257 40.5 365 57.5 13 2.0 227 35.7 95 14.9

Female householder 336 18.4 127 37.9 198 59.1 10 3.0 112 33.5 53 15.7

Male householder 298 16.4 129 43.4 166 55.8 2 0.8 114 38.3 42 14.1

Race/Ethnicity

Black 135 7.4 83 61.4 50 37.0 2 1.6 81 59.9 34 24.9

Hispanic non-Black 45 2.5 NA NA NA NA NA NA NA NA NA NA

White non-Black non-Hispanic 1,603 88.1 725 45.2 858 53.5 20 1.3 646 40.3 286 17.9

Other non-Black non-Hispanic 36 2.0 NA NA NA NA NA NA NA NA NA NA

Age

15 to 34 years 423 23.2 237 56.0 181 42.8 5 1.2 214 50.6 120 28.4

35 to 44 years 302 16.6 162 53.6 140 46.4 - - 139 45.8 87 28.8

45 to 54 years 376 20.7 154 40.8 215 57.2 7 2.0 126 33.6 69 18.3

55 to 64 years 329 18.1 167 50.8 157 47.7 5 1.5 159 48.3 36 11.0

65 years or more 389 21.4 132 33.8 251 64.4 7 1.8 127 32.7 15 4.0

Education

No high school degree 278 15.3 158 56.8 113 40.5 7 2.7 144 51.8 52 18.6

High school degree 578 31.8 287 49.6 279 48.2 13 2.2 266 45.9 128 22.1

Some college 543 29.8 253 46.7 285 52.5 4 0.8 216 39.7 109 20.2

College degree 420 23.1 153 36.3 268 63.7 - - 139 33.2 39 9.2

Household Income

Less than $15,000 409 22.5 219 53.6 187 45.7 3 0.7 196 48.0 109 26.6

Between $15,000 and $30,000 435 23.9 222 51.1 200 46.0 13 2.9 205 47.2 74 17.0

Between $30,000 and $50,000 379 20.8 181 47.8 193 51.0 5 1.3 151 39.8 89 23.4

Between $50,000 and $75,000 269 14.8 111 41.3 156 58.0 2 0.8 98 36.4 33 12.3

At Least $75,000 327 18.0 117 35.8 208 63.5 2 0.7 114 35.0 23 7.0

Homeownership

Homeowner 1,241 68.2 503 40.5 721 58.1 17 1.4 454 36.6 140 11.2

Non-homeowner 579 31.8 348 60.1 223 38.5 8 1.3 311 53.7 188 32.5

Notes:

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund anticipation loans.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-72 Timing of AFS Use by Household Characteristic: Kentucky

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 Daysb In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Used AFS in the Last 

Year

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 1,819 100.0 238 13.1 274 15.1 339 18.6 944 51.9 25 1.4 512 28.2

Banking Status

Unbanked 179 9.9 82 45.6 40 22.1 19 10.5 31 17.3 8 4.5 121 67.7

Underbanked 391 21.5 156 40.0 234 60.0 0 0.0 0 0.0 0 0.0 391 100.0

Fully Banked 1,225 67.3 0 0.0 0 0.0 312 25.5 913 74.5 0 0.0 0 0.0

Banked but Underbanked Status Unknown 24 1.3 0 0.0 0 0.0 NA NA 0 0.0 NA NA 0 0.0

Household Type

Family household 1,186 65.2 170 14.3 205 17.3 219 18.5 579 48.8 12 1.0 375 31.6

Female householder, no husband present 262 14.4 64 24.4 45 17.0 39 15.0 112 42.8 2 0.8 109 41.4

Male householder, no wife present 80 4.4 NA NA NA NA NA NA NA NA NA NA NA NA

Married couple 844 46.4 95 11.3 144 17.1 163 19.3 431 51.1 10 1.2 240 28.4

Nonfamily household 634 34.8 68 10.8 69 10.9 119 18.8 365 57.5 13 2.0 137 21.7

Female householder 336 18.4 37 11.1 26 7.8 64 18.9 198 59.1 10 3.0 64 19.0

Male householder 298 16.4 31 10.4 43 14.3 56 18.7 166 55.8 2 0.8 74 24.7

Race/Ethnicity

Black 135 7.4 38 28.1 35 26.1 10 7.2 50 37.0 2 1.6 73 54.3

Hispanic non-Black 45 2.5 NA NA NA NA NA NA NA NA NA NA NA NA

White non-Black non-Hispanic 1,603 88.1 196 12.2 210 13.1 319 19.9 858 53.5 20 1.3 405 25.3

Other non-Black non-Hispanic 36 2.0 NA NA NA NA NA NA NA NA NA NA NA NA

Age

15 to 34 years 423 23.2 68 16.0 122 29.0 47 11.0 181 42.8 5 1.2 190 45.0

35 to 44 years 302 16.6 50 16.5 52 17.2 60 19.8 140 46.4 - - 102 33.7

45 to 54 years 376 20.7 55 14.7 42 11.1 57 15.1 215 57.2 7 2.0 97 25.7

55 to 64 years 329 18.1 41 12.6 42 12.9 83 25.3 157 47.7 5 1.5 84 25.5

65 years or more 389 21.4 24 6.2 16 4.0 92 23.7 251 64.4 7 1.8 40 10.2

Education

No high school degree 278 15.3 45 16.1 55 19.8 58 20.9 113 40.5 7 2.7 100 35.9

High school degree 578 31.8 98 16.9 81 14.1 108 18.6 279 48.2 13 2.2 179 31.0

Some college 543 29.8 80 14.7 84 15.5 89 16.5 285 52.5 4 0.8 164 30.2

College degree 420 23.1 16 3.8 54 12.7 83 19.8 268 63.7 - - 69 16.5

Household Income

Less than $15,000 409 22.5 103 25.1 40 9.7 77 18.8 187 45.7 3 0.7 142 34.8

Between $15,000 and $30,000 435 23.9 62 14.4 91 20.8 69 15.9 200 46.0 13 2.9 153 35.2

Between $30,000 and $50,000 379 20.8 45 11.7 74 19.5 63 16.5 193 51.0 5 1.3 118 31.2

Between $50,000 and $75,000 269 14.8 17 6.4 35 13.1 59 21.8 156 58.0 2 0.8 52 19.4

At Least $75,000 327 18.0 11 3.5 35 10.6 71 21.7 208 63.5 2 0.7 46 14.1

Homeownership

Homeowner 1,241 68.2 100 8.1 118 9.5 285 23.0 721 58.1 17 1.4 218 17.6

Non-homeowner 579 31.8 138 23.8 156 27.0 54 9.3 223 38.5 8 1.3 294 50.9

Notes:

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as 

having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 

months. The unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use 

rent-to-own agreements or refund anticipation loans in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-73 Use of AFS by Banking Status: Louisiana

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 1,816 100.0 209 100.0 495 100.0 1,066 100.0 NA NA

Any AFS

Has Ever Used 935 51.5 141 67.7 495 100.0 295 27.7 NA NA

Has Never Used 817 45.0 46 22.2 0 0.0 771 72.3 NA NA

Unknown 64 3.5 21 10.1 0 0.0 0 0.0 NA NA

Non-Bank Money Order

Has Ever Used 771 42.5 108 51.6 440 89.0 223 20.9 NA NA

Has Never Used 999 55.0 84 40.1 54 11.0 843 79.1 NA NA

Unknown 46 2.5 17 8.3 - - 0 0.0 NA NA

Non-Bank Check Cashing

Has Ever Used 255 14.0 85 40.8 125 25.3 44 4.2 NA NA

Has Never Used 1,505 82.9 109 52.3 370 74.7 1,022 95.8 NA NA

Unknown 56 3.1 14 6.9 - - 0 0.0 NA NA

Non-Bank Remittances

Has Ever Used 86 4.7 11 5.1 52 10.4 23 2.2 NA NA

Has Never Used 1,692 93.2 184 88.2 443 89.6 1,043 97.8 NA NA

Unknown 39 2.1 14 6.7 - - 0 0.0 NA NA

Payday Lending

Has Ever Used 128 7.1 21 9.9 75 15.2 32 3.0 NA NA

Has Never Used 1,644 90.6 174 83.4 419 84.8 1,034 97.0 NA NA

Unknown 43 2.4 14 6.7 - - 0 0.0 NA NA

Pawn Shops

Has Ever Used 123 6.8 31 14.7 67 13.6 25 2.3 NA NA

Has Never Used 1,650 90.9 164 78.6 427 86.4 1,041 97.7 NA NA

Unknown 43 2.4 14 6.7 - - 0 0.0 NA NA

Rent-to-Own

Has Ever Used 127 7.0 22 10.3 67 13.5 35 3.3 NA NA

Has Never Used 1,645 90.6 168 80.6 428 86.5 1,032 96.7 NA NA

Unknown 43 2.4 19 9.1 - - 0 0.0 NA NA

Refund Anticipation Loans

Has Ever Used 70 3.8 22 10.6 34 6.8 14 1.3 NA NA

Has Never Used 1,708 94.0 173 82.7 461 93.2 1,052 98.7 NA NA

Unknown 39 2.1 14 6.7 - - 0 0.0 NA NA

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-74 Timing of AFS Use by Banking Status: Louisiana

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 1,816 100.0 209 100.0 495 100.0 1,066 100.0 NA NA

Any AFS

In Last 30 Days 306 16.8 69 33.2 237 47.8 0 0.0 NA NA

In Last 2-12 Months 309 17.0 51 24.6 258 52.2 0 0.0 NA NA

Not in the Last 12 Months 320 17.6 21 10.0 0 0.0 295 27.7 NA NA

Never Used 817 45.0 46 22.2 0 0.0 771 72.3 NA NA

Unknown 64 3.5 21 10.1 0 0.0 0 0.0 NA NA

Non-Bank Money Order

In Last 30 Days 254 14.0 62 29.8 192 38.8 0 0.0 NA NA

In Last 2-12 Months 246 13.5 35 16.8 211 42.6 0 0.0 NA NA

Not in the Last 12 Months 271 14.9 10 5.0 37 7.6 223 20.9 NA NA

Never Used 999 55.0 84 40.1 54 11.0 843 79.1 NA NA

Unknown 46 2.5 17 8.3 - - - - NA NA

Non-Bank Check Cashing

In Last 30 Days 54 3.0 31 14.8 23 4.7 0 0.0 NA NA

In Last 2-12 Months 86 4.7 16 7.8 70 14.1 0 0.0 NA NA

Not in the Last 12 Months 114 6.3 38 18.2 32 6.4 44 4.2 NA NA

Never Used 1,505 82.9 109 52.3 370 74.7 1,022 95.8 NA NA

Unknown 56 3.1 14 6.9 - - - - NA NA

Non-Bank Remittances

In Last 30 Days 23 1.3 5 2.3 18 3.7 0 0.0 NA NA

In Last 2-12 Months 16 0.9 - - 16 3.2 0 0.0 NA NA

Not in the Last 12 Months 47 2.6 6 2.9 17 3.5 23 2.2 NA NA

Never Used 1,692 93.2 184 88.2 443 89.6 1,043 97.8 NA NA

Unknown 39 2.1 14 6.7 - - - - NA NA

Payday Lending

In Last 30 Days 18 1.0 3 1.6 15 3.1 0 0.0 NA NA

In Last 2-12 Months 9 0.5 - - 9 1.8 0 0.0 NA NA

Not in the Last 12 Months 101 5.5 17 8.3 51 10.3 32 3.0 NA NA

Never Used 1,644 90.6 174 83.4 419 84.8 1,034 97.0 NA NA

Unknown 43 2.4 14 6.7 - - - - NA NA
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-74 Timing of AFS Use by Banking Status: Louisiana

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Pawn Shops

In Last 30 Days 3 0.2 - - 3 0.6 0 0.0 NA NA

In Last 2-12 Months 33 1.8 7 3.2 27 5.4 0 0.0 NA NA

Not in the Last 12 Months 86 4.8 24 11.5 37 7.6 25 2.3 NA NA

Never Used 1,650 90.9 164 78.6 427 86.4 1,041 97.7 NA NA

Unknown 43 2.4 14 6.7 - - - - NA NA

Rent-to-Owna

Used in last 12 months 36 2.0 5 2.3 31 6.4 0 0.0 NA NA

Used but not in last 12 months 91 5.0 17 8.0 36 7.2 35 3.3 NA NA

Never Used 1,645 90.6 168 80.6 428 86.5 1,032 96.7 NA NA

Unknown 43 2.4 19 9.1 - - - - NA NA

Refund Anticipation Loansa

Used in last 12 months 16 0.9 - - 16 3.2 0 0.0 NA NA

Used but not in last 12 months 54 3.0 22 10.6 18 3.6 14 1.3 NA NA

Never Used 1,708 94.0 173 82.7 461 93.2 1,052 98.7 NA NA

Unknown 39 2.1 14 6.7 - - - - NA NA

Notes:

Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are 

categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as 

having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. a Households were not asked whether they used these AFS products in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-75 Use of AFS by Household Characteristic: Louisiana

Household Characteristic

All Households

Use of AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used a 

Transaction AFS Ever Used a Credit AFS

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 1,816 100.0 935 51.5 817 45.0 64 3.5 881 48.5 300 16.5

Banking Status

Unbanked 209 11.5 141 67.7 46 22.2 21 10.1 135 64.6 49 23.7

Underbanked 495 27.2 495 100.0 0 0.0 0 0.0 475 96.0 164 33.2

Fully Banked 1,066 58.7 295 27.7 771 72.3 0 0.0 272 25.5 83 7.8

Banked but Underbanked Status Unknown 46 2.6 NA NA NA NA NA NA NA NA NA NA

Household Type

Family household 1,223 67.3 661 54.1 522 42.7 40 3.2 621 50.8 224 18.3

Female householder, no husband present 328 18.0 228 69.5 93 28.3 7 2.3 212 64.8 92 28.2

Male householder, no wife present 99 5.4 NA NA NA NA NA NA NA NA NA NA

Married couple 796 43.8 375 47.1 394 49.4 28 3.5 358 44.9 103 12.9

Nonfamily household 593 32.7 274 46.1 296 49.8 24 4.1 260 43.9 77 12.9

Female householder 302 16.6 122 40.6 159 52.7 20 6.7 119 39.6 20 6.8

Male householder 292 16.1 151 51.8 137 46.8 4 1.4 141 48.4 56 19.2

Race/Ethnicity

Black 556 30.6 349 62.8 179 32.2 28 5.0 317 57.0 133 23.9

Hispanic non-Black 56 3.1 NA NA NA NA NA NA NA NA NA NA

White non-Black non-Hispanic 1,178 64.9 538 45.7 604 51.3 36 3.0 517 43.9 167 14.2

Other non-Black non-Hispanic 26 1.4 NA NA NA NA NA NA NA NA NA NA

Age

15 to 34 years 430 23.7 229 53.3 189 43.9 12 2.7 223 51.9 90 20.8

35 to 44 years 294 16.2 185 62.7 90 30.6 20 6.7 162 55.0 70 23.8

45 to 54 years 384 21.1 217 56.6 162 42.3 4 1.1 204 53.0 55 14.4

55 to 64 years 338 18.6 176 51.9 156 46.0 7 2.1 173 51.0 56 16.6

65 years or more 369 20.3 128 34.6 220 59.7 21 5.7 120 32.5 29 7.8

Education

No high school degree 292 16.1 186 63.8 99 33.9 7 2.3 177 60.7 71 24.3

High school degree 655 36.1 323 49.4 310 47.4 21 3.2 292 44.6 130 19.9

Some college 473 26.1 229 48.4 228 48.2 16 3.3 226 47.7 66 14.0

College degree 396 21.8 196 49.4 180 45.5 20 5.1 186 47.0 33 8.3

Household Income

Less than $15,000 358 19.7 214 59.9 139 38.8 5 1.4 208 58.1 59 16.4

Between $15,000 and $30,000 398 21.9 186 46.6 198 49.7 15 3.7 179 44.9 80 20.0

Between $30,000 and $50,000 334 18.4 175 52.3 144 43.0 16 4.7 155 46.3 67 20.0

Between $50,000 and $75,000 329 18.1 166 50.5 150 45.7 12 3.8 162 49.4 48 14.6

At Least $75,000 397 21.9 194 49.0 187 47.1 16 4.0 178 44.8 47 11.8

Homeownership

Homeowner 1,243 68.4 577 46.4 619 49.8 47 3.8 543 43.7 163 13.2

Non-homeowner 573 31.6 358 62.5 198 34.6 17 2.9 339 59.1 137 23.9

Notes:

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund 

anticipation loans.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-76 Timing of AFS Use by Household Characteristic: Louisiana

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 Daysb In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Used AFS in the Last 

Year

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 1,816 100.0 306 16.8 309 17.0 320 17.6 817 45.0 64 3.5 615 33.9

Banking Status

Unbanked 209 11.5 69 33.2 51 24.6 21 10.0 46 22.2 21 10.1 120 57.7

Underbanked 495 27.2 237 47.8 258 52.2 0 0.0 0 0.0 0 0.0 495 100.0

Fully Banked 1,066 58.7 0 0.0 0 0.0 295 27.7 771 72.3 0 0.0 0 0.0

Banked but Underbanked Status Unknown 46 2.6 0 0.0 0 0.0 NA NA 0 0.0 NA NA 0 0.0

Household Type

Family household 1,223 67.3 223 18.3 221 18.1 217 17.7 522 42.7 40 3.2 444 36.3

Female householder, no husband present 328 18.0 102 31.2 87 26.6 38 11.7 93 28.3 7 2.3 189 57.8

Male householder, no wife present 99 5.4 NA NA NA NA NA NA NA NA NA NA NA NA

Married couple 796 43.8 109 13.6 106 13.3 160 20.2 394 49.4 28 3.5 214 26.9

Nonfamily household 593 32.7 83 13.9 88 14.9 103 17.3 296 49.8 24 4.1 171 28.8

Female householder 302 16.6 36 12.0 42 13.9 44 14.7 159 52.7 20 6.7 78 25.9

Male householder 292 16.1 46 15.9 46 15.9 59 20.1 137 46.8 4 1.4 93 31.8

Race/Ethnicity

Black 556 30.6 147 26.4 101 18.2 101 18.2 179 32.2 28 5.0 248 44.6

Hispanic non-Black 56 3.1 NA NA NA NA NA NA NA NA NA NA NA NA

White non-Black non-Hispanic 1,178 64.9 134 11.4 195 16.5 209 17.8 604 51.3 36 3.0 329 27.9

Other non-Black non-Hispanic 26 1.4 NA NA NA NA NA NA NA NA NA NA NA NA

Age

15 to 34 years 430 23.7 77 17.9 111 25.8 42 9.7 189 43.9 12 2.7 188 43.7

35 to 44 years 294 16.2 68 23.2 68 23.0 49 16.6 90 30.6 20 6.7 136 46.1

45 to 54 years 384 21.1 61 16.0 58 15.1 98 25.5 162 42.3 4 1.1 119 31.1

55 to 64 years 338 18.6 56 16.6 48 14.1 72 21.3 156 46.0 7 2.1 104 30.6

65 years or more 369 20.3 43 11.7 25 6.9 59 16.1 220 59.7 21 5.7 68 18.5

Education

No high school degree 292 16.1 71 24.2 62 21.4 53 18.2 99 33.9 7 2.3 133 45.6

High school degree 655 36.1 107 16.3 121 18.5 95 14.6 310 47.4 21 3.2 228 34.8

Some college 473 26.1 85 18.1 59 12.4 85 18.0 228 48.2 16 3.3 144 30.5

College degree 396 21.8 43 10.8 67 16.9 86 21.7 180 45.5 20 5.1 110 27.7

Household Income

Less than $15,000 358 19.7 82 22.9 68 19.1 64 17.8 139 38.8 5 1.4 150 42.0

Between $15,000 and $30,000 398 21.9 69 17.2 77 19.3 40 10.1 198 49.7 15 3.7 145 36.5

Between $30,000 and $50,000 334 18.4 52 15.6 50 15.1 72 21.6 144 43.0 16 4.7 103 30.7

Between $50,000 and $75,000 329 18.1 61 18.5 55 16.6 51 15.4 150 45.7 12 3.8 116 35.1

At Least $75,000 397 21.9 42 10.7 59 14.9 93 23.4 187 47.1 16 4.0 101 25.6

Homeownership

Homeowner 1,243 68.4 162 13.1 178 14.4 236 19.0 619 49.8 47 3.8 341 27.4

Non-homeowner 573 31.6 144 25.0 131 22.8 84 14.6 198 34.6 17 2.9 274 47.9

Notes:

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as 

having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 

months. The unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use 

rent-to-own agreements or refund anticipation loans in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-77 Use of AFS by Banking Status: Maine

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 546 100.0 20 100.0 104 100.0 413 100.0 NA NA

Any AFS

Has Ever Used 239 43.8 16 79.7 104 100.0 115 27.9 NA NA

Has Never Used 300 55.0 3 13.6 0 0.0 297 72.1 NA NA

Unknown 7 1.3 1 6.7 0 0.0 0 0.0 NA NA

Non-Bank Money Order

Has Ever Used 163 29.9 10 47.1 72 69.0 80 19.4 NA NA

Has Never Used 376 68.9 9 46.2 32 31.0 333 80.6 NA NA

Unknown 7 1.3 1 6.7 - - 0 0.0 NA NA

Non-Bank Check Cashing

Has Ever Used 68 12.5 9 45.2 40 38.4 18 4.3 NA NA

Has Never Used 471 86.2 10 48.1 64 61.6 395 95.7 NA NA

Unknown 7 1.4 1 6.7 - - 0 0.0 NA NA

Non-Bank Remittances

Has Ever Used 18 3.4 - - 9 9.1 9 2.2 NA NA

Has Never Used 521 95.4 19 93.3 94 90.9 404 97.8 NA NA

Unknown 7 1.3 1 6.7 - - 0 0.0 NA NA

Payday Lending

Has Ever Used 10 1.8 - - 7 6.9 2 0.6 NA NA

Has Never Used 529 96.8 19 91.1 96 92.0 410 99.4 NA NA

Unknown 7 1.3 1 6.7 1 1.1 0 0.0 NA NA

Pawn Shops

Has Ever Used 55 10.0 8 36.7 24 23.4 23 5.5 NA NA

Has Never Used 485 88.8 12 56.6 79 76.0 390 94.5 NA NA

Unknown 6 1.1 1 6.7 1 0.6 0 0.0 NA NA

Rent-to-Own

Has Ever Used 59 10.8 6 29.2 35 33.4 18 4.3 NA NA

Has Never Used 480 87.9 13 64.2 69 66.0 395 95.7 NA NA

Unknown 7 1.3 1 6.7 1 0.6 0 0.0 NA NA

Refund Anticipation Loans

Has Ever Used 22 4.0 2 8.1 15 14.3 6 1.3 NA NA

Has Never Used 517 94.7 17 85.2 89 85.2 407 98.7 NA NA

Unknown 7 1.3 1 6.7 1 0.6 0 0.0 NA NA

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-78 Timing of AFS Use by Banking Status: Maine

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 546 100.0 20 100.0 104 100.0 413 100.0 NA NA

Any AFS

In Last 30 Days 45 8.2 8 39.1 37 35.3 0 0.0 NA NA

In Last 2-12 Months 74 13.5 7 32.3 67 64.7 0 0.0 NA NA

Not in the Last 12 Months 121 22.1 2 8.3 0 0.0 115 27.9 NA NA

Never Used 300 55.0 3 13.6 0 0.0 297 72.1 NA NA

Unknown 7 1.3 1 6.7 0 0.0 0 0.0 NA NA

Non-Bank Money Order

In Last 30 Days 25 4.6 5 23.5 20 19.3 0 0.0 NA NA

In Last 2-12 Months 45 8.2 4 18.5 41 39.6 0 0.0 NA NA

Not in the Last 12 Months 93 17.1 1 5.1 10 10.1 80 19.4 NA NA

Never Used 376 68.9 9 46.2 32 31.0 333 80.6 NA NA

Unknown 7 1.3 1 6.7 - - - - NA NA

Non-Bank Check Cashing

In Last 30 Days 15 2.7 4 18.0 11 10.7 0 0.0 NA NA

In Last 2-12 Months 24 4.4 4 20.7 20 19.0 0 0.0 NA NA

Not in the Last 12 Months 29 5.4 1 6.6 9 8.6 18 4.3 NA NA

Never Used 471 86.2 10 48.1 64 61.6 395 95.7 NA NA

Unknown 7 1.4 1 6.7 - - - - NA NA

Non-Bank Remittances

In Last 30 Days 5 1.0 - - 5 5.1 0 0.0 NA NA

In Last 2-12 Months 3 0.6 - - 3 3.3 0 0.0 NA NA

Not in the Last 12 Months 10 1.8 - - 1 0.7 9 2.2 NA NA

Never Used 521 95.4 19 93.3 94 90.9 404 97.8 NA NA

Unknown 7 1.3 1 6.7 - - - - NA NA

Payday Lending

In Last 30 Days 1 0.1 - - 1 0.7 0 0.0 NA NA

In Last 2-12 Months 1 0.2 - - 1 1.1 0 0.0 NA NA

Not in the Last 12 Months 8 1.5 - - 5 5.1 2 0.6 NA NA

Never Used 529 96.8 19 91.1 96 92.0 410 99.4 NA NA

Unknown 7 1.3 1 6.7 1 1.1 - - NA NA
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-78 Timing of AFS Use by Banking Status: Maine

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Pawn Shops

In Last 30 Days 3 0.6 1 2.8 3 2.6 0 0.0 NA NA

In Last 2-12 Months 13 2.4 2 9.0 11 10.8 0 0.0 NA NA

Not in the Last 12 Months 38 7.0 5 24.8 10 10.0 23 5.5 NA NA

Never Used 485 88.8 12 56.6 79 76.0 390 94.5 NA NA

Unknown 6 1.1 1 6.7 1 0.6 - - NA NA

Rent-to-Owna

Used in last 12 months 26 4.7 3 16.6 22 21.5 0 0.0 NA NA

Used but not in last 12 months 33 6.1 3 12.5 12 11.9 18 4.3 NA NA

Never Used 480 87.9 13 64.2 69 66.0 395 95.7 NA NA

Unknown 7 1.3 1 6.7 1 0.6 - - NA NA

Refund Anticipation Loansa

Used in last 12 months 5 0.9 - - 5 4.4 0 0.0 NA NA

Used but not in last 12 months 17 3.1 1 5.8 10 9.8 6 1.3 NA NA

Never Used 517 94.7 17 85.2 89 85.2 407 98.7 NA NA

Unknown 7 1.3 1 6.7 1 0.6 - - NA NA

Notes:

Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are 

categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as 

having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. a Households were not asked whether they used these AFS products in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated 

that the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-79 Use of AFS by Household Characteristic: Maine

Household Characteristic

All Households

Use of AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used a 

Transaction AFS Ever Used a Credit AFS

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 546 100.0 239 43.8 300 55.0 7 1.3 203 37.1 104 19.0

Banking Status

Unbanked 20 3.7 16 79.7 3 13.6 1 6.7 15 71.2 11 53.8

Underbanked 104 19.0 104 100.0 0 0.0 0 0.0 91 87.4 51 49.2

Fully Banked 413 75.6 115 27.9 297 72.1 0 0.0 94 22.9 41 10.0

Banked but Underbanked Status Unknown 9 1.7 NA NA NA NA NA NA NA NA NA NA

Household Type

Family household 366 67.1 155 42.4 207 56.6 4 1.0 127 34.7 68 18.5

Female householder, no husband present 57 10.4 34 59.0 23 40.0 1 1.0 23 40.9 18 32.6

Male householder, no wife present 25 4.5 14 56.3 11 43.7 - - 11 46.2 6 23.0

Married couple 285 52.2 108 37.9 174 61.0 3 1.1 93 32.5 43 15.3

Nonfamily household 178 32.6 83 46.6 92 51.6 3 1.8 75 42.0 36 20.4

Female householder 101 18.6 47 45.9 54 52.9 1 1.2 40 39.7 18 17.3

Male householder 77 14.1 37 47.5 38 49.8 2 2.7 35 45.0 19 24.5

Other 1 0.3 NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 8 1.5 NA NA NA NA NA NA NA NA NA NA

Hispanic non-Black 4 0.8 NA NA NA NA NA NA NA NA NA NA

White non-Black non-Hispanic 521 95.3 224 43.0 291 55.8 6 1.2 188 36.0 95 18.2

Other non-Black non-Hispanic 13 2.4 NA NA NA NA NA NA NA NA NA NA

Age

15 to 34 years 100 18.3 54 54.4 44 43.9 2 1.7 47 46.7 28 28.2

35 to 44 years 83 15.1 43 52.3 39 47.7 - - 34 41.3 25 30.4

45 to 54 years 123 22.5 57 46.4 65 52.5 1 1.1 46 37.2 30 24.6

55 to 64 years 111 20.4 44 39.8 66 59.6 1 0.5 40 36.4 12 10.7

65 years or more 130 23.7 40 31.1 86 66.5 3 2.4 36 27.7 9 6.7

Education

No high school degree 46 8.4 22 49.1 21 46.9 2 4.0 19 42.5 12 26.4

High school degree 195 35.6 83 42.5 109 56.3 2 1.3 69 35.5 45 23.3

Some college 155 28.4 78 50.1 75 48.2 3 1.7 64 41.4 35 22.5

College degree 151 27.6 56 37.4 94 62.6 - - 50 33.2 12 7.8

Household Income

Less than $15,000 93 17.0 52 55.6 40 43.0 1 1.4 42 45.9 31 33.7

Between $15,000 and $30,000 115 21.0 49 42.9 62 54.5 3 2.6 42 37.1 21 18.6

Between $30,000 and $50,000 129 23.5 65 50.4 63 49.2 1 0.5 54 42.2 31 23.9

Between $50,000 and $75,000 99 18.1 40 40.1 58 58.6 1 1.3 33 33.5 14 14.1

At Least $75,000 111 20.4 34 30.5 77 68.9 1 0.6 31 27.4 7 6.0

Homeownership

Homeowner 402 73.6 150 37.4 248 61.8 3 0.8 129 32.2 52 13.0

Non-homeowner 144 26.4 89 61.5 52 36.0 4 2.5 74 51.0 52 35.8

Notes:

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund 

anticipation loans.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-80 Timing of AFS Use by Household Characteristic: Maine

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 Daysb In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Used AFS in the Last 

Year

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 546 100.0 45 8.2 74 13.5 121 22.1 300 55.0 7 1.3 119 21.7

Banking Status

Unbanked 20 3.7 8 39.1 7 32.3 2 8.3 3 13.6 1 6.7 15 71.4

Underbanked 104 19.0 37 35.3 67 64.7 0 0.0 0 0.0 0 0.0 104 100.0

Fully Banked 413 75.6 0 0.0 0 0.0 115 27.9 297 72.1 0 0.0 0 0.0

Banked but Underbanked Status Unknown 9 1.7 0 0.0 0 0.0 NA NA 0 0.0 NA NA 0 0.0

Household Type

Family household 366 67.1 26 7.2 53 14.5 76 20.7 207 56.6 4 1.0 79 21.7

Female householder, no husband present 57 10.4 7 12.4 16 27.7 11 18.9 23 40.0 1 1.0 23 40.2

Male householder, no wife present 25 4.5 5 19.6 5 19.2 4 17.4 11 43.7 - - 10 38.8

Married couple 285 52.2 14 5.1 33 11.4 61 21.4 174 61.0 3 1.1 47 16.5

Nonfamily household 178 32.6 18 10.3 21 11.7 44 24.6 92 51.6 3 1.8 39 22.0

Female householder 101 18.6 10 9.9 10 9.7 27 26.3 54 52.9 1 1.2 20 19.6

Male householder 77 14.1 8 10.9 11 14.2 17 22.5 38 49.8 2 2.7 19 25.1

Other 1 0.3 NA NA NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 8 1.5 NA NA NA NA NA NA NA NA NA NA NA NA

Hispanic non-Black 4 0.8 NA NA NA NA NA NA NA NA NA NA NA NA

White non-Black non-Hispanic 521 95.3 39 7.4 72 13.9 113 21.7 291 55.8 6 1.2 111 21.3

Other non-Black non-Hispanic 13 2.4 NA NA NA NA NA NA NA NA NA NA NA NA

Age

15 to 34 years 100 18.3 17 16.8 17 16.7 21 21.0 44 43.9 2 1.7 33 33.4

35 to 44 years 83 15.1 6 7.1 17 20.4 21 24.9 39 47.7 - - 23 27.5

45 to 54 years 123 22.5 11 8.7 24 19.8 22 17.9 65 52.5 1 1.1 35 28.5

55 to 64 years 111 20.4 6 5.1 10 8.9 29 25.8 66 59.6 1 0.5 16 14.0

65 years or more 130 23.7 6 4.5 6 4.7 28 21.9 86 66.5 3 2.4 12 9.2

Education

No high school degree 46 8.4 5 11.4 5 10.6 12 27.1 21 46.9 2 4.0 10 22.0

High school degree 195 35.6 16 8.2 36 18.5 31 15.8 109 56.3 2 1.3 52 26.7

Some college 155 28.4 19 12.4 22 14.0 37 23.7 75 48.2 3 1.7 41 26.4

College degree 151 27.6 4 2.8 11 7.5 41 27.0 94 62.6 - - 16 10.4

Household Income

Less than $15,000 93 17.0 14 15.2 18 18.9 20 21.5 40 43.0 1 1.4 32 34.1

Between $15,000 and $30,000 115 21.0 11 10.0 15 13.3 22 19.6 62 54.5 3 2.6 27 23.2

Between $30,000 and $50,000 129 23.5 13 10.0 23 17.9 29 22.5 63 49.2 1 0.5 36 27.9

Between $50,000 and $75,000 99 18.1 4 4.4 10 9.8 26 25.9 58 58.6 1 1.3 14 14.2

At Least $75,000 111 20.4 2 1.8 8 7.5 24 21.2 77 68.9 1 0.6 10 9.3

Homeownership

Homeowner 402 73.6 18 4.6 43 10.6 90 22.3 248 61.8 3 0.8 61 15.2

Non-homeowner 144 26.4 26 18.3 31 21.7 31 21.5 52 36.0 4 2.5 58 40.0

Notes:

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as 

having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 

months. The unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use 

rent-to-own agreements or refund anticipation loans in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-81 Use of AFS by Banking Status: Maryland

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 2,170 100.0 123 100.0 461 100.0 1,528 100.0 NA NA

Any AFS

Has Ever Used 885 40.8 97 79.4 461 100.0 316 20.7 NA NA

Has Never Used 1,229 56.6 18 14.7 0 0.0 1,211 79.3 NA NA

Unknown 55 2.5 7 5.9 0 0.0 0 0.0 NA NA

Non-Bank Money Order

Has Ever Used 729 33.6 83 67.4 376 81.5 264 17.3 NA NA

Has Never Used 1,399 64.5 36 29.0 85 18.5 1,263 82.7 NA NA

Unknown 42 2.0 4 3.6 - - 0 0.0 NA NA

Non-Bank Check Cashing

Has Ever Used 222 10.2 61 49.8 121 26.3 40 2.6 NA NA

Has Never Used 1,918 88.4 57 46.5 340 73.7 1,487 97.4 NA NA

Unknown 30 1.4 4 3.6 - - 0 0.0 NA NA

Non-Bank Remittances

Has Ever Used 151 7.0 26 21.0 104 22.6 21 1.4 NA NA

Has Never Used 1,972 90.9 90 73.1 354 76.8 1,506 98.6 NA NA

Unknown 47 2.2 7 5.9 3 0.6 0 0.0 NA NA

Payday Lending

Has Ever Used 43 2.0 2 1.3 37 8.1 5 0.3 NA NA

Has Never Used 2,085 96.1 114 92.8 423 91.9 1,523 99.7 NA NA

Unknown 42 1.9 7 5.9 - - 0 0.0 NA NA

Pawn Shops

Has Ever Used 112 5.2 16 12.9 62 13.5 29 1.9 NA NA

Has Never Used 2,017 93.0 102 83.5 398 86.5 1,499 98.1 NA NA

Unknown 41 1.9 4 3.6 - - 0 0.0 NA NA

Rent-to-Own

Has Ever Used 43 2.0 2 1.8 28 6.1 12 0.8 NA NA

Has Never Used 2,079 95.8 113 92.3 433 93.9 1,515 99.2 NA NA

Unknown 49 2.3 7 5.9 - - 0 0.0 NA NA

Refund Anticipation Loans

Has Ever Used 51 2.4 - - 41 8.8 11 0.7 NA NA

Has Never Used 2,072 95.5 115 94.1 420 91.2 1,517 99.3 NA NA

Unknown 47 2.1 7 5.9 - - 0 0.0 NA NA

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-82 Timing of AFS Use by Banking Status: Maryland

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 2,170 100.0 123 100.0 461 100.0 1,528 100.0 NA NA

Any AFS

In Last 30 Days 245 11.3 59 48.5 185 40.2 0 0.0 NA NA

In Last 2-12 Months 298 13.8 23 18.9 275 59.8 0 0.0 NA NA

Not in the Last 12 Months 342 15.8 15 12.0 0 0.0 316 20.7 NA NA

Never Used 1,229 56.6 18 14.7 0 0.0 1,211 79.3 NA NA

Unknown 55 2.5 7 5.9 0 0.0 0 0.0 NA NA

Non-Bank Money Order

In Last 30 Days 166 7.6 42 34.5 124 26.8 0 0.0 NA NA

In Last 2-12 Months 270 12.4 27 21.6 243 52.8 0 0.0 NA NA

Not in the Last 12 Months 293 13.5 14 11.2 9 1.9 264 17.3 NA NA

Never Used 1,399 64.5 36 29.0 85 18.5 1,263 82.7 NA NA

Unknown 42 2.0 4 3.6 - - - - NA NA

Non-Bank Check Cashing

In Last 30 Days 69 3.2 32 26.2 37 7.9 0 0.0 NA NA

In Last 2-12 Months 68 3.2 17 13.8 52 11.2 0 0.0 NA NA

Not in the Last 12 Months 85 3.9 12 9.8 33 7.1 40 2.6 NA NA

Never Used 1,918 88.4 57 46.5 340 73.7 1,487 97.4 NA NA

Unknown 30 1.4 4 3.6 - - - - NA NA

Non-Bank Remittances

In Last 30 Days 31 1.4 7 5.3 25 5.3 0 0.0 NA NA

In Last 2-12 Months 69 3.2 10 8.5 59 12.8 0 0.0 NA NA

Not in the Last 12 Months 51 2.3 9 7.1 21 4.5 21 1.4 NA NA

Never Used 1,972 90.9 90 73.1 354 76.8 1,506 98.6 NA NA

Unknown 47 2.2 7 5.9 3 0.6 - - NA NA

Payday Lending

In Last 30 Days 3 0.1 - - 3 0.7 0 0.0 NA NA

In Last 2-12 Months 16 0.7 - - 16 3.5 0 0.0 NA NA

Not in the Last 12 Months 24 1.1 2 1.3 18 4.0 5 0.3 NA NA

Never Used 2,085 96.1 114 92.8 423 91.9 1,523 99.7 NA NA

Unknown 42 1.9 7 5.9 - - - - NA NA
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-82 Timing of AFS Use by Banking Status: Maryland

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Pawn Shops

In Last 30 Days 16 0.8 - - 16 3.6 0 0.0 NA NA

In Last 2-12 Months 27 1.2 8 6.5 19 4.1 0 0.0 NA NA

Not in the Last 12 Months 68 3.1 8 6.4 27 5.8 29 1.9 NA NA

Never Used 2,017 93.0 102 83.5 398 86.5 1,499 98.1 NA NA

Unknown 41 1.9 4 3.6 - - - - NA NA

Rent-to-Owna

Used in last 12 months 9 0.4 - - 9 2.0 0 0.0 NA NA

Used but not in last 12 months 34 1.5 2 1.8 19 4.1 12 0.8 NA NA

Never Used 2,079 95.8 113 92.3 433 93.9 1,515 99.2 NA NA

Unknown 49 2.3 7 5.9 - - - - NA NA

Refund Anticipation Loansa

Used in last 12 months 23 1.0 - - 23 4.9 0 0.0 NA NA

Used but not in last 12 months 29 1.3 - - 18 3.9 11 0.7 NA NA

Never Used 2,072 95.5 115 94.1 420 91.2 1,517 99.3 NA NA

Unknown 47 2.1 7 5.9 - - - - NA NA

Notes:

Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are 

categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as 

having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. a Households were not asked whether they used these AFS products in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-83 Use of AFS by Household Characteristic: Maryland

Household Characteristic

All Households

Use of AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used a 

Transaction AFS Ever Used a Credit AFS

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 2,170 100.0 885 40.8 1,229 56.6 55 2.5 832 38.3 194 8.9

Banking Status

Unbanked 123 5.6 97 79.4 18 14.7 7 5.9 95 77.5 20 16.0

Underbanked 461 21.2 461 100.0 0 0.0 0 0.0 437 94.9 120 26.0

Fully Banked 1,528 70.4 316 20.7 1,211 79.3 0 0.0 294 19.2 49 3.2

Banked but Underbanked Status Unknown 59 2.7 NA NA NA NA NA NA NA NA NA NA

Household Type

Family household 1,395 64.3 605 43.4 754 54.1 35 2.5 570 40.9 134 9.6

Female householder, no husband present 276 12.7 150 54.4 122 44.2 4 1.3 135 48.9 48 17.2

Male householder, no wife present 104 4.8 60 58.0 41 39.7 2 2.3 56 53.2 15 14.8

Married couple 1,015 46.7 395 38.9 590 58.2 29 2.9 380 37.4 71 7.0

Nonfamily household 776 35.7 280 36.1 476 61.3 20 2.6 262 33.8 60 7.7

Female householder 437 20.1 144 32.9 277 63.5 16 3.6 138 31.5 19 4.3

Male householder 339 15.6 136 40.2 198 58.5 4 1.3 124 36.7 41 12.1

Race/Ethnicity

Black 672 30.9 378 56.3 276 41.2 17 2.6 360 53.6 96 14.2

Hispanic non-Black 103 4.8 67 64.6 32 31.2 4 4.2 67 64.6 5 4.8

White non-Black non-Hispanic 1,268 58.4 399 31.5 838 66.1 31 2.4 366 28.9 91 7.2

Other non-Black non-Hispanic 128 5.9 42 32.8 83 64.7 3 2.5 39 31.0 2 1.8

Age

15 to 34 years 454 20.9 237 52.2 210 46.3 7 1.6 226 49.8 42 9.3

35 to 44 years 391 18.0 176 44.9 209 53.4 7 1.7 166 42.3 46 11.8

45 to 54 years 487 22.4 195 40.0 284 58.2 9 1.8 186 38.1 46 9.5

55 to 64 years 390 18.0 145 37.2 232 59.6 12 3.1 134 34.4 38 9.9

65 years or more 448 20.6 133 29.7 294 65.7 20 4.5 121 27.0 21 4.6

Education

No high school degree 201 9.3 109 54.2 85 42.5 7 3.3 103 51.5 27 13.2

High school degree 513 23.7 196 38.2 289 56.2 29 5.6 183 35.7 53 10.4

Some college 536 24.7 245 45.6 283 52.7 9 1.7 220 41.0 73 13.6

College degree 920 42.4 336 36.5 573 62.3 11 1.2 325 35.4 41 4.5

Household Income

Less than $15,000 237 10.9 127 53.7 100 42.1 10 4.2 119 50.0 33 13.9

Between $15,000 and $30,000 274 12.6 110 40.3 153 55.9 10 3.8 100 36.5 33 12.1

Between $30,000 and $50,000 379 17.5 165 43.5 198 52.1 17 4.3 156 41.0 45 11.8

Between $50,000 and $75,000 419 19.3 184 43.8 226 53.9 9 2.2 175 41.6 37 8.9

At Least $75,000 861 39.7 299 34.8 553 64.2 9 1.0 284 33.0 46 5.3

Homeownership

Homeowner 1,478 68.1 512 34.6 931 63.0 35 2.4 480 32.5 101 6.9

Non-homeowner 692 31.9 373 53.9 299 43.1 20 2.9 352 50.9 93 13.4

Notes:

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund 

anticipation loans.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-84 Timing of AFS Use by Household Characteristic: Maryland

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 Daysb In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Used AFS in the Last 

Year

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 2,170 100.0 245 11.3 298 13.8 342 15.8 1,229 56.6 55 2.5 543 25.0

Banking Status

Unbanked 123 5.6 59 48.5 23 18.9 15 12.0 18 14.7 7 5.9 83 67.4

Underbanked 461 21.2 185 40.2 275 59.8 0 0.0 0 0.0 0 0.0 461 100.0

Fully Banked 1,528 70.4 0 0.0 0 0.0 316 20.7 1,211 79.3 0 0.0 0 0.0

Banked but Underbanked Status Unknown 59 2.7 0 0.0 0 0.0 NA NA 0 0.0 NA NA 0 0.0

Household Type

Family household 1,395 64.3 182 13.1 212 15.2 212 15.2 754 54.1 35 2.5 394 28.2

Female householder, no husband present 276 12.7 66 23.9 45 16.2 40 14.3 122 44.2 4 1.3 111 40.1

Male householder, no wife present 104 4.8 29 27.7 17 16.4 15 13.9 41 39.7 2 2.3 46 44.1

Married couple 1,015 46.7 87 8.6 150 14.8 158 15.6 590 58.2 29 2.9 237 23.4

Nonfamily household 776 35.7 63 8.1 87 11.2 130 16.8 476 61.3 20 2.6 150 19.3

Female householder 437 20.1 27 6.2 43 9.8 74 16.9 277 63.5 16 3.6 70 16.0

Male householder 339 15.6 36 10.5 44 13.1 56 16.6 198 58.5 4 1.3 80 23.6

Race/Ethnicity

Black 672 30.9 135 20.2 138 20.6 104 15.5 276 41.2 17 2.6 274 40.8

Hispanic non-Black 103 4.8 30 28.9 21 19.9 16 15.8 32 31.2 4 4.2 50 48.9

White non-Black non-Hispanic 1,268 58.4 70 5.5 127 10.1 202 15.9 838 66.1 31 2.4 198 15.6

Other non-Black non-Hispanic 128 5.9 9 7.4 12 9.6 20 15.7 83 64.7 3 2.5 22 17.0

Age

15 to 34 years 454 20.9 82 18.0 73 16.1 82 18.1 210 46.3 7 1.6 155 34.1

35 to 44 years 391 18.0 57 14.5 66 16.9 53 13.4 209 53.4 7 1.7 123 31.4

45 to 54 years 487 22.4 59 12.2 76 15.6 59 12.1 284 58.2 9 1.8 135 27.8

55 to 64 years 390 18.0 36 9.3 48 12.3 61 15.6 232 59.6 12 3.1 84 21.6

65 years or more 448 20.6 11 2.4 35 7.8 87 19.5 294 65.7 20 4.5 46 10.2

Education

No high school degree 201 9.3 60 29.9 24 12.0 25 12.3 85 42.5 7 3.3 84 41.9

High school degree 513 23.7 61 11.8 65 12.6 71 13.8 289 56.2 29 5.6 125 24.4

Some college 536 24.7 68 12.6 75 14.0 102 19.0 283 52.7 9 1.7 143 26.6

College degree 920 42.4 56 6.1 135 14.6 145 15.8 573 62.3 11 1.2 191 20.8

Household Income

Less than $15,000 237 10.9 53 22.5 33 13.8 41 17.4 100 42.1 10 4.2 86 36.3

Between $15,000 and $30,000 274 12.6 42 15.2 40 14.7 28 10.3 153 55.9 10 3.8 82 30.0

Between $30,000 and $50,000 379 17.5 66 17.4 43 11.5 55 14.6 198 52.1 17 4.3 110 28.9

Between $50,000 and $75,000 419 19.3 48 11.4 70 16.6 66 15.8 226 53.9 9 2.2 118 28.0

At Least $75,000 861 39.7 36 4.2 112 13.0 151 17.6 553 64.2 9 1.0 148 17.2

Homeownership

Homeowner 1,478 68.1 102 6.9 164 11.1 246 16.6 931 63.0 35 2.4 266 18.0

Non-homeowner 692 31.9 143 20.7 134 19.3 96 13.9 299 43.1 20 2.9 277 40.0

Notes:

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as 

having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 

months. The unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use 

rent-to-own agreements or refund anticipation loans in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-85 Use of AFS by Banking Status: Massachusetts

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 2,614 100.0 128 100.0 369 100.0 2,029 100.0 NA NA

Any AFS

Has Ever Used 817 31.3 93 72.3 369 100.0 351 17.3 NA NA

Has Never Used 1,708 65.3 31 23.9 0 0.0 1,678 82.7 NA NA

Unknown 89 3.4 5 3.8 0 0.0 0 0.0 NA NA

Non-Bank Money Order

Has Ever Used 596 22.8 61 47.7 283 76.8 247 12.2 NA NA

Has Never Used 1,950 74.6 62 48.5 86 23.2 1,782 87.8 NA NA

Unknown 68 2.6 5 3.8 - - 0 0.0 NA NA

Non-Bank Check Cashing

Has Ever Used 217 8.3 63 49.4 92 24.8 62 3.1 NA NA

Has Never Used 2,341 89.5 65 50.6 277 75.2 1,967 96.9 NA NA

Unknown 57 2.2 - - - - 0 0.0 NA NA

Non-Bank Remittances

Has Ever Used 116 4.5 - - 80 21.6 37 1.8 NA NA

Has Never Used 2,446 93.6 128 100.0 289 78.4 1,992 98.2 NA NA

Unknown 52 2.0 - - - - 0 0.0 NA NA

Payday Lending

Has Ever Used 25 1.0 3 2.4 19 5.2 3 0.1 NA NA

Has Never Used 2,534 96.9 125 97.6 350 94.8 2,026 99.9 NA NA

Unknown 55 2.1 - - - - 0 0.0 NA NA

Pawn Shops

Has Ever Used 119 4.6 29 22.7 58 15.8 32 1.6 NA NA

Has Never Used 2,431 93.0 94 73.5 311 84.2 1,997 98.4 NA NA

Unknown 64 2.4 5 3.8 - - 0 0.0 NA NA

Rent-to-Own

Has Ever Used 63 2.4 17 12.9 29 7.9 17 0.8 NA NA

Has Never Used 2,493 95.4 112 87.1 340 92.1 2,012 99.2 NA NA

Unknown 59 2.3 - - - - 0 0.0 NA NA

Refund Anticipation Loans

Has Ever Used 61 2.3 4 3.4 40 10.9 16 0.8 NA NA

Has Never Used 2,484 95.0 121 94.2 329 89.1 2,013 99.2 NA NA

Unknown 69 2.7 3 2.4 - - 0 0.0 NA NA

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-86 Timing of AFS Use by Banking Status: Massachusetts

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 2,614 100.0 128 100.0 369 100.0 2,029 100.0 NA NA

Any AFS

In Last 30 Days 201 7.7 53 40.9 148 40.1 0 0.0 NA NA

In Last 2-12 Months 247 9.4 26 20.2 221 59.9 0 0.0 NA NA

Not in the Last 12 Months 370 14.2 14 11.1 0 0.0 351 17.3 NA NA

Never Used 1,708 65.3 31 23.9 0 0.0 1,678 82.7 NA NA

Unknown 89 3.4 5 3.8 0 0.0 0 0.0 NA NA

Non-Bank Money Order

In Last 30 Days 146 5.6 39 30.4 107 29.1 0 0.0 NA NA

In Last 2-12 Months 165 6.3 15 11.9 150 40.7 0 0.0 NA NA

Not in the Last 12 Months 285 10.9 7 5.4 26 7.0 247 12.2 NA NA

Never Used 1,950 74.6 62 48.5 86 23.2 1,782 87.8 NA NA

Unknown 68 2.6 5 3.8 - - - - NA NA

Non-Bank Check Cashing

In Last 30 Days 52 2.0 23 17.9 29 7.7 0 0.0 NA NA

In Last 2-12 Months 63 2.4 16 12.6 47 12.7 0 0.0 NA NA

Not in the Last 12 Months 102 3.9 24 18.9 16 4.4 62 3.1 NA NA

Never Used 2,341 89.5 65 50.6 277 75.2 1,967 96.9 NA NA

Unknown 57 2.2 - - - - - - NA NA

Non-Bank Remittances

In Last 30 Days 38 1.5 - - 38 10.3 0 0.0 NA NA

In Last 2-12 Months 23 0.9 - - 23 6.2 0 0.0 NA NA

Not in the Last 12 Months 56 2.1 - - 19 5.2 37 1.8 NA NA

Never Used 2,446 93.6 128 100.0 289 78.4 1,992 98.2 NA NA

Unknown 52 2.0 - - - - - - NA NA

Payday Lending

In Last 30 Days 3 0.1 3 2.4 - - 0 0.0 NA NA

In Last 2-12 Months 7 0.3 - - 7 2.0 0 0.0 NA NA

Not in the Last 12 Months 15 0.6 - - 12 3.2 3 0.1 NA NA

Never Used 2,534 96.9 125 97.6 350 94.8 2,026 99.9 NA NA

Unknown 55 2.1 - - - - - - NA NA
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-86 Timing of AFS Use by Banking Status: Massachusetts

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Pawn Shops

In Last 30 Days 11 0.4 7 5.6 4 1.1 0 0.0 NA NA

In Last 2-12 Months 26 1.0 6 4.7 20 5.4 0 0.0 NA NA

Not in the Last 12 Months 82 3.1 16 12.5 34 9.2 32 1.6 NA NA

Never Used 2,431 93.0 94 73.5 311 84.2 1,997 98.4 NA NA

Unknown 64 2.4 5 3.8 - - - - NA NA

Rent-to-Owna

Used in last 12 months 15 0.6 4 3.4 10 2.8 0 0.0 NA NA

Used but not in last 12 months 48 1.8 12 9.5 19 5.1 17 0.8 NA NA

Never Used 2,493 95.4 112 87.1 340 92.1 2,012 99.2 NA NA

Unknown 59 2.3 - - - - - - NA NA

Refund Anticipation Loansa

Used in last 12 months 29 1.1 - - 29 7.9 0 0.0 NA NA

Used but not in last 12 months 32 1.2 4 3.4 11 3.1 16 0.8 NA NA

Never Used 2,484 95.0 121 94.2 329 89.1 2,013 99.2 NA NA

Unknown 69 2.7 3 2.4 - - - - NA NA

Notes:

Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are 

categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as 

having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. a Households were not asked whether they used these AFS products in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-87 Use of AFS by Household Characteristic: Massachusetts

Household Characteristic

All Households

Use of AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used a 

Transaction AFS Ever Used a Credit AFS

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 2,614 100.0 817 31.3 1,708 65.3 89 3.4 746 28.5 220 8.4

Banking Status

Unbanked 128 4.9 93 72.3 31 23.9 5 3.8 84 65.6 47 36.3

Underbanked 369 14.1 369 100.0 0 0.0 0 0.0 350 94.9 108 29.4

Fully Banked 2,029 77.6 351 17.3 1,678 82.7 0 0.0 308 15.2 65 3.2

Banked but Underbanked Status Unknown 88 3.4 NA NA NA NA NA NA NA NA NA NA

Household Type

Family household 1,631 62.4 479 29.4 1,082 66.4 70 4.3 443 27.2 130 8.0

Female householder, no husband present 312 11.9 136 43.6 170 54.4 6 2.0 120 38.3 68 21.9

Male householder, no wife present 88 3.3 NA NA NA NA NA NA NA NA NA NA

Married couple 1,231 47.1 316 25.6 857 69.6 58 4.7 296 24.1 50 4.1

Nonfamily household 984 37.6 338 34.4 626 63.7 19 1.9 303 30.8 90 9.1

Female householder 554 21.2 166 30.0 380 68.7 7 1.3 141 25.4 49 8.9

Male householder 429 16.4 172 40.0 246 57.2 12 2.7 162 37.8 40 9.4

Race/Ethnicity

Black 162 6.2 86 53.0 60 36.8 17 10.2 74 45.5 35 21.7

Hispanic non-Black 168 6.4 90 53.5 70 41.8 8 4.7 77 46.0 37 22.0

White non-Black non-Hispanic 2,143 82.0 611 28.5 1,480 69.0 53 2.5 564 26.3 145 6.8

Other non-Black non-Hispanic 141 5.4 31 21.8 99 70.3 11 7.9 31 21.8 3 1.8

Age

15 to 34 years 521 19.9 170 32.7 332 63.7 19 3.7 155 29.8 52 10.1

35 to 44 years 485 18.5 139 28.6 333 68.8 13 2.6 127 26.1 33 6.8

45 to 54 years 540 20.6 177 32.7 354 65.6 9 1.7 161 29.9 57 10.6

55 to 64 years 444 17.0 178 40.2 236 53.1 30 6.7 155 35.0 63 14.1

65 years or more 625 23.9 154 24.6 454 72.6 18 2.8 148 23.6 15 2.4

Education

No high school degree 237 9.1 94 39.5 121 50.9 23 9.7 76 32.2 50 21.1

High school degree 616 23.6 195 31.7 394 63.9 27 4.4 179 29.1 60 9.7

Some college 627 24.0 199 31.7 415 66.2 13 2.1 170 27.1 77 12.2

College degree 1,134 43.4 329 29.0 779 68.7 25 2.2 321 28.3 33 2.9

Household Income

Less than $15,000 373 14.3 162 43.4 203 54.4 8 2.2 152 40.7 59 15.8

Between $15,000 and $30,000 421 16.1 181 42.9 221 52.5 19 4.5 163 38.8 63 14.9

Between $30,000 and $50,000 497 19.0 143 28.7 339 68.3 15 3.1 120 24.1 48 9.7

Between $50,000 and $75,000 464 17.8 151 32.4 305 65.7 9 1.9 138 29.7 19 4.2

At Least $75,000 859 32.8 181 21.1 640 74.5 37 4.3 173 20.1 30 3.5

Homeownership

Homeowner 1,616 61.8 389 24.1 1,164 72.0 63 3.9 357 22.1 85 5.3

Non-homeowner 998 38.2 428 42.9 544 54.5 26 2.6 389 39.0 134 13.5

Notes:

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund 

anticipation loans.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-88 Timing of AFS Use by Household Characteristic: Massachusetts

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 Daysb In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Used AFS in the Last 

Year

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 2,614 100.0 201 7.7 247 9.4 370 14.2 1,708 65.3 89 3.4 447 17.1

Banking Status

Unbanked 128 4.9 53 40.9 26 20.2 14 11.1 31 23.9 5 3.8 79 61.2

Underbanked 369 14.1 148 40.1 221 59.9 0 0.0 0 0.0 0 0.0 369 100.0

Fully Banked 2,029 77.6 0 0.0 0 0.0 351 17.3 1,678 82.7 0 0.0 0 0.0

Banked but Underbanked Status Unknown 88 3.4 0 0.0 0 0.0 NA NA 0 0.0 NA NA 0 0.0

Household Type

Family household 1,631 62.4 136 8.3 145 8.9 199 12.2 1,082 66.4 70 4.3 280 17.2

Female householder, no husband present 312 11.9 54 17.4 46 14.9 35 11.3 170 54.4 6 2.0 101 32.3

Male householder, no wife present 88 3.3 NA NA NA NA NA NA NA NA NA NA NA NA

Married couple 1,231 47.1 60 4.9 95 7.7 161 13.1 857 69.6 58 4.7 155 12.6

Nonfamily household 984 37.6 65 6.6 102 10.4 171 17.4 626 63.7 19 1.9 167 17.0

Female householder 554 21.2 34 6.2 47 8.5 85 15.3 380 68.7 7 1.3 82 14.7

Male householder 429 16.4 31 7.1 55 12.8 87 20.2 246 57.2 12 2.7 85 19.9

Race/Ethnicity

Black 162 6.2 41 25.0 34 20.8 12 7.2 60 36.8 17 10.2 74 45.8

Hispanic non-Black 168 6.4 32 19.3 34 20.2 24 14.0 70 41.8 8 4.7 66 39.5

White non-Black non-Hispanic 2,143 82.0 128 6.0 166 7.7 318 14.8 1,480 69.0 53 2.5 293 13.7

Other non-Black non-Hispanic 141 5.4 - - 14 9.6 17 12.2 99 70.3 11 7.9 14 9.6

Age

15 to 34 years 521 19.9 61 11.7 56 10.7 53 10.2 332 63.7 19 3.7 117 22.4

35 to 44 years 485 18.5 27 5.6 48 10.0 63 13.1 333 68.8 13 2.6 75 15.5

45 to 54 years 540 20.6 48 8.9 46 8.6 82 15.2 354 65.6 9 1.7 95 17.6

55 to 64 years 444 17.0 42 9.4 64 14.3 73 16.5 236 53.1 30 6.7 105 23.7

65 years or more 625 23.9 23 3.6 33 5.2 98 15.7 454 72.6 18 2.8 55 8.9

Education

No high school degree 237 9.1 52 21.8 28 11.9 14 5.8 121 50.9 23 9.7 80 33.7

High school degree 616 23.6 44 7.1 89 14.4 63 10.2 394 63.9 27 4.4 133 21.5

Some college 627 24.0 56 9.0 53 8.5 89 14.3 415 66.2 13 2.1 110 17.5

College degree 1,134 43.4 49 4.3 77 6.8 204 18.0 779 68.7 25 2.2 125 11.1

Household Income

Less than $15,000 373 14.3 63 17.0 56 15.1 42 11.3 203 54.4 8 2.2 120 32.1

Between $15,000 and $30,000 421 16.1 56 13.4 55 13.1 69 16.5 221 52.5 19 4.5 111 26.5

Between $30,000 and $50,000 497 19.0 29 5.8 66 13.3 48 9.6 339 68.3 15 3.1 95 19.1

Between $50,000 and $75,000 464 17.8 26 5.6 36 7.8 88 19.0 305 65.7 9 1.9 62 13.5

At Least $75,000 859 32.8 26 3.0 33 3.8 123 14.3 640 74.5 37 4.3 59 6.8

Homeownership

Homeowner 1,616 61.8 72 4.5 91 5.6 226 14.0 1,164 72.0 63 3.9 163 10.1

Non-homeowner 998 38.2 129 12.9 156 15.6 144 14.4 544 54.5 26 2.6 284 28.5

Notes:

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use rent-to-own agreements or refund anticipation loans in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-89 Use of AFS by Banking Status: Michigan

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 3,969 100.0 307 100.0 685 100.0 2,824 100.0 153 100.0

Any AFS

Has Ever Used 1,631 41.1 230 75.0 685 100.0 678 24.0 0 0.0

Has Never Used 2,209 55.7 64 20.7 0 0.0 2,146 76.0 0 0.0

Unknown 129 3.2 13 4.3 0 0.0 0 0.0 115 75.4

Non-Bank Money Order

Has Ever Used 1,226 30.9 180 58.7 556 81.2 473 16.8 17 11.0

Has Never Used 2,625 66.1 113 36.8 124 18.1 2,351 83.2 37 24.1

Unknown 117 3.0 14 4.4 4 0.6 0 0.0 99 65.0

Non-Bank Check Cashing

Has Ever Used 554 14.0 133 43.4 265 38.8 146 5.2 10 6.3

Has Never Used 3,333 84.0 165 53.6 419 61.2 2,678 94.8 72 46.7

Unknown 81 2.0 9 3.0 - - 0 0.0 72 47.0

Non-Bank Remittances

Has Ever Used 124 3.1 27 8.8 44 6.5 46 1.6 7 4.7

Has Never Used 3,739 94.2 266 86.8 637 93.0 2,778 98.4 58 37.8

Unknown 105 2.7 14 4.4 4 0.5 0 0.0 88 57.5

Payday Lending

Has Ever Used 137 3.5 12 3.8 97 14.1 21 0.8 8 4.9

Has Never Used 3,718 93.7 275 89.5 585 85.4 2,802 99.2 56 36.9

Unknown 113 2.9 21 6.7 4 0.5 0 0.0 89 58.2

Pawn Shops

Has Ever Used 262 6.6 61 19.8 120 17.5 82 2.9 - -

Has Never Used 3,576 90.1 229 74.5 553 80.8 2,742 97.1 52 33.8

Unknown 131 3.3 18 5.8 12 1.7 0 0.0 101 66.2

Rent-to-Own

Has Ever Used 216 5.4 51 16.5 104 15.2 62 2.2 - -

Has Never Used 3,630 91.5 243 79.1 573 83.6 2,762 97.8 52 34.3

Unknown 122 3.1 14 4.4 8 1.2 0 0.0 101 65.7

Refund Anticipation Loans

Has Ever Used 99 2.5 22 7.3 63 9.1 14 0.5 - -

Has Never Used 3,729 94.0 264 85.9 609 89.0 2,810 99.5 46 29.8

Unknown 141 3.6 21 6.7 13 1.9 0 0.0 107 70.2

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

Table C-90 Timing of AFS Use by Banking Status: Michigan

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 3,969 100.0 307 100.0 685 100.0 2,824 100.0 153 100.0

Any AFS

In Last 30 Days 385 9.7 125 40.8 260 38.0 0 0.0 0 0.0

In Last 2-12 Months 500 12.6 76 24.7 425 62.0 0 0.0 0 0.0

Not in the Last 12 Months 745 18.8 29 9.5 0 0.0 678 24.0 38 24.6

Never Used 2,209 55.7 64 20.7 0 0.0 2,146 76.0 0 0.0

Unknown 129 3.2 13 4.3 0 0.0 0 0.0 115 75.4

Non-Bank Money Order

In Last 30 Days 281 7.1 83 27.1 198 28.9 0 0.0 - -

In Last 2-12 Months 365 9.2 61 19.8 304 44.4 0 0.0 - -

Not in the Last 12 Months 580 14.6 36 11.8 54 7.9 473 16.8 17 11.0

Never Used 2,625 66.1 113 36.8 124 18.1 2,351 83.2 37 24.1

Unknown 117 3.0 14 4.4 4 0.6 - - 99 65.0

Non-Bank Check Cashing

In Last 30 Days 131 3.3 61 19.8 70 10.3 0 0.0 - -

In Last 2-12 Months 184 4.6 55 17.9 129 18.8 0 0.0 - -

Not in the Last 12 Months 239 6.0 18 5.7 66 9.6 146 5.2 10 6.3

Never Used 3,333 84.0 165 53.6 419 61.2 2,678 94.8 72 46.7

Unknown 81 2.0 9 3.0 - - - - 72 47.0

Non-Bank Remittances

In Last 30 Days 5 0.1 - - 5 0.7 0 0.0 - -

In Last 2-12 Months 57 1.4 27 8.8 30 4.4 0 0.0 - -

Not in the Last 12 Months 63 1.6 - - 9 1.4 46 1.6 7 4.7

Never Used 3,739 94.2 266 86.8 637 93.0 2,778 98.4 58 37.8

Unknown 105 2.7 14 4.4 4 0.5 - - 88 57.5

Payday Lending

In Last 30 Days 27 0.7 - - 27 3.9 0 0.0 - -

In Last 2-12 Months 30 0.7 - - 30 4.3 0 0.0 - -

Not in the Last 12 Months 81 2.0 12 3.8 40 5.9 21 0.8 8 4.9

Never Used 3,718 93.7 275 89.5 585 85.4 2,802 99.2 56 36.9

Unknown 113 2.9 21 6.7 4 0.5 - - 89 58.2
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-90 Timing of AFS Use by Banking Status: Michigan

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Pawn Shops

In Last 30 Days 26 0.7 16 5.3 10 1.5 0 0.0 - -

In Last 2-12 Months 70 1.8 9 2.8 61 9.0 0 0.0 - -

Not in the Last 12 Months 166 4.2 36 11.7 48 7.1 82 2.9 - -

Never Used 3,576 90.1 229 74.5 553 80.8 2,742 97.1 52 33.8

Unknown 131 3.3 18 5.8 12 1.7 - - 101 66.2

Rent-to-Owna

Used in last 12 months 62 1.6 13 4.1 50 7.2 0 0.0 - -

Used but not in last 12 months 154 3.9 38 12.4 54 8.0 62 2.2 - -

Never Used 3,630 91.5 243 79.1 573 83.6 2,762 97.8 52 34.3

Unknown 122 3.1 14 4.4 8 1.2 - - 101 65.7

Refund Anticipation Loansa

Used in last 12 months 25 0.6 4 1.3 21 3.1 0 0.0 - -

Used but not in last 12 months 73 1.9 18 6.0 41 6.0 14 0.5 - -

Never Used 3,729 94.0 264 85.9 609 89.0 2,810 99.5 46 29.8

Unknown 141 3.6 21 6.7 13 1.9 - - 107 70.2

Notes:

Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are 

categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as 

having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. a Households were not asked whether they used these AFS products in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

Table C-91 Use of AFS by Household Characteristic: Michigan

Household Characteristic

All Households

Use of AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used a 

Transaction AFS Ever Used a Credit AFS

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 3,969 100.0 1,631 41.1 2,209 55.7 129 3.2 1,481 37.3 510 12.8

Banking Status

Unbanked 307 7.7 230 75.0 64 20.7 13 4.3 223 72.7 103 33.7

Underbanked 685 17.3 685 100.0 0 0.0 0 0.0 645 94.1 244 35.7

Fully Banked 2,824 71.2 678 24.0 2,146 76.0 0 0.0 580 20.5 154 5.5

Banked but Underbanked Status Unknown 153 3.9 38 24.6 - - 115 75.4 34 21.9 8 4.9

Household Type

Family household 2,679 67.5 1,133 42.3 1,465 54.7 81 3.0 1,025 38.3 361 13.5

Female householder, no husband present 514 13.0 313 61.0 189 36.7 12 2.3 291 56.7 145 28.2

Male householder, no wife present 178 4.5 103 58.0 71 40.0 3 2.0 92 51.7 41 23.3

Married couple 1,987 50.1 717 36.1 1,206 60.7 65 3.3 642 32.3 174 8.8

Nonfamily household 1,277 32.2 489 38.3 744 58.2 45 3.5 448 35.0 149 11.7

Female householder 666 16.8 238 35.8 419 63.0 8 1.2 223 33.5 69 10.4

Male householder 612 15.4 251 41.0 325 53.0 37 6.0 225 36.8 80 13.0

Other 12 0.3 NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 601 15.1 388 64.6 184 30.6 29 4.8 362 60.3 172 28.6

Hispanic non-Black 85 2.1 NA NA NA NA NA NA NA NA NA NA

White non-Black non-Hispanic 3,203 80.7 1,158 36.1 1,945 60.7 100 3.1 1,046 32.6 316 9.9

Other non-Black non-Hispanic 80 2.0 NA NA NA NA NA NA NA NA NA NA

Age

15 to 34 years 810 20.4 391 48.3 403 49.7 16 2.0 373 46.1 125 15.4

35 to 44 years 652 16.4 345 52.9 292 44.7 15 2.3 308 47.3 169 25.9

45 to 54 years 806 20.3 317 39.3 459 57.0 30 3.7 279 34.6 80 9.9

55 to 64 years 750 18.9 258 34.4 465 62.1 27 3.6 228 30.4 60 8.0

65 years or more 951 24.0 320 33.6 590 62.1 41 4.3 293 30.8 76 8.0

Education

No high school degree 380 9.6 198 52.2 166 43.5 16 4.3 185 48.6 46 12.0

High school degree 1,210 30.5 505 41.7 655 54.1 50 4.1 459 37.9 173 14.3

Some college 1,246 31.4 578 46.4 635 50.9 34 2.7 505 40.5 222 17.8

College degree 1,132 28.5 349 30.9 754 66.6 29 2.5 333 29.4 69 6.1

Household Income

Less than $15,000 672 16.9 403 60.0 241 35.8 28 4.2 358 53.2 179 26.7

Between $15,000 and $30,000 773 19.5 365 47.2 370 47.8 38 4.9 335 43.3 140 18.0

Between $30,000 and $50,000 836 21.1 323 38.6 491 58.7 22 2.6 288 34.4 69 8.3

Between $50,000 and $75,000 709 17.9 249 35.2 449 63.3 10 1.5 227 32.0 87 12.3

At Least $75,000 978 24.6 289 29.6 659 67.3 30 3.1 274 28.0 35 3.6

Homeownership

Homeowner 2,945 74.2 1,017 34.5 1,842 62.5 86 2.9 916 31.1 265 9.0

Non-homeowner 1,024 25.8 613 59.9 367 35.9 43 4.2 565 55.2 245 23.9

Notes:

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund 

anticipation loans.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-92 Timing of AFS Use by Household Characteristic: Michigan

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 Daysb In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Used AFS in the Last 

Year

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 3,969 100.0 385 9.7 500 12.6 745 18.8 2,209 55.7 129 3.2 886 22.3

Banking Status

Unbanked 307 7.7 125 40.8 76 24.7 29 9.5 64 20.7 13 4.3 201 65.5

Underbanked 685 17.3 260 38.0 425 62.0 0 0.0 0 0.0 0 0.0 685 100.0

Fully Banked 2,824 71.2 0 0.0 0 0.0 678 24.0 2,146 76.0 0 0.0 0 0.0

Banked but Underbanked Status Unknown 153 3.9 0 0.0 0 0.0 38 24.6 0 0.0 115 75.4 0 0.0

Household Type

Family household 2,679 67.5 262 9.8 361 13.5 510 19.0 1,465 54.7 81 3.0 623 23.3

Female householder, no husband present 514 13.0 90 17.5 101 19.6 123 23.9 189 36.7 12 2.3 191 37.1

Male householder, no wife present 178 4.5 31 17.4 37 21.1 35 19.5 71 40.0 3 2.0 68 38.5

Married couple 1,987 50.1 141 7.1 223 11.2 353 17.7 1,206 60.7 65 3.3 364 18.3

Nonfamily household 1,277 32.2 118 9.2 136 10.7 235 18.4 744 58.2 45 3.5 254 19.9

Female householder 666 16.8 63 9.5 64 9.7 110 16.6 419 63.0 8 1.2 128 19.2

Male householder 612 15.4 55 8.9 72 11.8 124 20.3 325 53.0 37 6.0 126 20.7

Other 12 0.3 NA NA NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 601 15.1 148 24.6 129 21.4 112 18.6 184 30.6 29 4.8 276 46.0

Hispanic non-Black 85 2.1 NA NA NA NA NA NA NA NA NA NA NA NA

White non-Black non-Hispanic 3,203 80.7 216 6.7 350 10.9 592 18.5 1,945 60.7 100 3.1 566 17.7

Other non-Black non-Hispanic 80 2.0 NA NA NA NA NA NA NA NA NA NA NA NA

Age

15 to 34 years 810 20.4 123 15.1 149 18.5 119 14.7 403 49.7 16 2.0 272 33.6

35 to 44 years 652 16.4 121 18.6 78 12.0 146 22.4 292 44.7 15 2.3 199 30.6

45 to 54 years 806 20.3 64 7.9 96 12.0 157 19.5 459 57.0 30 3.7 160 19.8

55 to 64 years 750 18.9 38 5.0 73 9.8 147 19.6 465 62.1 27 3.6 111 14.8

65 years or more 951 24.0 41 4.3 103 10.8 176 18.5 590 62.1 41 4.3 143 15.1

Education

No high school degree 380 9.6 60 15.8 83 21.8 55 14.6 166 43.5 16 4.3 143 37.6

High school degree 1,210 30.5 148 12.2 143 11.8 214 17.7 655 54.1 50 4.1 291 24.1

Some college 1,246 31.4 122 9.8 176 14.1 280 22.5 635 50.9 34 2.7 298 23.9

College degree 1,132 28.5 55 4.9 99 8.7 196 17.3 754 66.6 29 2.5 154 13.6

Household Income

Less than $15,000 672 16.9 131 19.5 150 22.3 123 18.3 241 35.8 28 4.2 281 41.8

Between $15,000 and $30,000 773 19.5 115 14.8 125 16.2 126 16.3 370 47.8 38 4.9 240 31.0

Between $30,000 and $50,000 836 21.1 63 7.6 83 10.0 176 21.1 491 58.7 22 2.6 147 17.6

Between $50,000 and $75,000 709 17.9 36 5.1 66 9.4 147 20.7 449 63.3 10 1.5 103 14.5

At Least $75,000 978 24.6 40 4.1 76 7.8 173 17.7 659 67.3 30 3.1 116 11.9

Homeownership

Homeowner 2,945 74.2 176 6.0 293 9.9 548 18.6 1,842 62.5 86 2.9 469 15.9

Non-homeowner 1,024 25.8 209 20.4 208 20.3 197 19.2 367 35.9 43 4.2 416 40.7

Notes:

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as 

having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 

months. The unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use 

rent-to-own agreements or refund anticipation loans in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-93 Use of AFS by Banking Status: Minnesota

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 2,163 100.0 90 100.0 272 100.0 1,763 100.0 NA NA

Any AFS

Has Ever Used 623 28.8 54 60.5 272 100.0 295 16.7 NA NA

Has Never Used 1,498 69.3 29 32.8 0 0.0 1,469 83.3 NA NA

Unknown 42 2.0 6 6.6 0 0.0 0 0.0 NA NA

Non-Bank Money Order

Has Ever Used 442 20.4 41 45.3 181 66.7 220 12.5 NA NA

Has Never Used 1,692 78.2 44 49.5 89 32.7 1,543 87.5 NA NA

Unknown 29 1.4 5 5.2 2 0.6 0 0.0 NA NA

Non-Bank Check Cashing

Has Ever Used 164 7.6 36 40.7 90 33.1 38 2.2 NA NA

Has Never Used 1,980 91.5 49 54.7 182 66.9 1,726 97.8 NA NA

Unknown 19 0.9 4 4.6 - - 0 0.0 NA NA

Non-Bank Remittances

Has Ever Used 73 3.4 12 13.0 39 14.3 23 1.3 NA NA

Has Never Used 2,063 95.4 75 83.8 228 83.7 1,741 98.7 NA NA

Unknown 27 1.2 3 3.2 5 2.0 0 0.0 NA NA

Payday Lending

Has Ever Used 52 2.4 6 6.9 31 11.3 13 0.8 NA NA

Has Never Used 2,081 96.2 81 89.9 238 87.4 1,750 99.2 NA NA

Unknown 30 1.4 3 3.2 4 1.3 0 0.0 NA NA

Pawn Shops

Has Ever Used 107 4.9 12 13.8 58 21.4 36 2.1 NA NA

Has Never Used 2,017 93.2 71 79.4 209 76.7 1,727 97.9 NA NA

Unknown 39 1.8 6 6.7 5 2.0 0 0.0 NA NA

Rent-to-Own

Has Ever Used 45 2.1 7 7.8 11 4.1 27 1.5 NA NA

Has Never Used 2,079 96.1 78 87.5 256 93.9 1,736 98.5 NA NA

Unknown 39 1.8 4 4.7 5 2.0 0 0.0 NA NA

Refund Anticipation Loans

Has Ever Used 38 1.8 8 8.6 23 8.3 8 0.4 NA NA

Has Never Used 2,090 96.6 78 86.7 246 90.3 1,756 99.6 NA NA

Unknown 36 1.6 4 4.7 4 1.3 0 0.0 NA NA

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-94 Timing of AFS Use by Banking Status: Minnesota

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 2,163 100.0 90 100.0 272 100.0 1,763 100.0 NA NA

Any AFS

In Last 30 Days 118 5.5 31 34.6 87 32.0 0 0.0 NA NA

In Last 2-12 Months 199 9.2 14 15.9 185 68.0 0 0.0 NA NA

Not in the Last 12 Months 306 14.1 9 10.0 0 0.0 295 16.7 NA NA

Never Used 1,498 69.3 29 32.8 0 0.0 1,469 83.3 NA NA

Unknown 42 2.0 6 6.6 0 0.0 0 0.0 NA NA

Non-Bank Money Order

In Last 30 Days 76 3.5 23 25.7 53 19.6 0 0.0 NA NA

In Last 2-12 Months 113 5.2 10 11.5 102 37.6 0 0.0 NA NA

Not in the Last 12 Months 253 11.7 7 8.1 26 9.5 220 12.5 NA NA

Never Used 1,692 78.2 44 49.5 89 32.7 1,543 87.5 NA NA

Unknown 29 1.4 5 5.2 2 0.6 - - NA NA

Non-Bank Check Cashing

In Last 30 Days 33 1.5 17 19.2 16 5.9 0 0.0 NA NA

In Last 2-12 Months 72 3.3 9 10.4 62 22.9 0 0.0 NA NA

Not in the Last 12 Months 60 2.8 10 11.1 12 4.3 38 2.2 NA NA

Never Used 1,980 91.5 49 54.7 182 66.9 1,726 97.8 NA NA

Unknown 19 0.9 4 4.6 - - - - NA NA

Non-Bank Remittances

In Last 30 Days 11 0.5 - - 11 4.2 0 0.0 NA NA

In Last 2-12 Months 21 1.0 6 6.3 15 5.5 0 0.0 NA NA

Not in the Last 12 Months 41 1.9 6 6.7 13 4.7 23 1.3 NA NA

Never Used 2,063 95.4 75 83.8 228 83.7 1,741 98.7 NA NA

Unknown 27 1.2 3 3.2 5 2.0 - - NA NA

Payday Lending

In Last 30 Days 13 0.6 2 2.5 11 3.9 0 0.0 NA NA

In Last 2-12 Months 6 0.3 2 2.4 4 1.4 0 0.0 NA NA

Not in the Last 12 Months 33 1.5 2 2.0 16 5.9 13 0.8 NA NA

Never Used 2,081 96.2 81 89.9 238 87.4 1,750 99.2 NA NA

Unknown 30 1.4 3 3.2 4 1.3 - - NA NA
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-94 Timing of AFS Use by Banking Status: Minnesota

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Pawn Shops

In Last 30 Days 10 0.5 5 6.0 5 1.8 0 0.0 NA NA

In Last 2-12 Months 30 1.4 3 3.9 26 9.7 0 0.0 NA NA

Not in the Last 12 Months 67 3.1 4 4.0 27 9.8 36 2.1 NA NA

Never Used 2,017 93.2 71 79.4 209 76.7 1,727 97.9 NA NA

Unknown 39 1.8 6 6.7 5 2.0 - - NA NA

Rent-to-Owna

Used in last 12 months 2 0.1 - - 2 0.7 0 0.0 NA NA

Used but not in last 12 months 43 2.0 7 7.8 9 3.4 27 1.5 NA NA

Never Used 2,079 96.1 78 87.5 256 93.9 1,736 98.5 NA NA

Unknown 39 1.8 4 4.7 5 2.0 - - NA NA

Refund Anticipation Loansa

Used in last 12 months 11 0.5 2 2.4 9 3.4 0 0.0 NA NA

Used but not in last 12 months 27 1.2 6 6.2 13 4.9 8 0.4 NA NA

Never Used 2,090 96.6 78 86.7 246 90.3 1,756 99.6 NA NA

Unknown 36 1.6 4 4.7 4 1.3 - - NA NA

Notes:

Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are 

categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as 

having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. a Households were not asked whether they used these AFS products in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated 

that the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-95 Use of AFS by Household Characteristic: Minnesota

Household Characteristic

All Households

Use of AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used a 

Transaction AFS Ever Used a Credit AFS

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 2,163 100.0 623 28.8 1,498 69.3 42 2.0 546 25.2 181 8.4

Banking Status

Unbanked 90 4.1 54 60.5 29 32.8 6 6.6 50 55.2 24 27.1

Underbanked 272 12.6 272 100.0 0 0.0 0 0.0 244 89.9 85 31.1

Fully Banked 1,763 81.5 295 16.7 1,469 83.3 0 0.0 252 14.3 70 4.0

Banked but Underbanked Status Unknown 38 1.8 NA NA NA NA NA NA NA NA NA NA

Household Type

Family household 1,335 61.7 355 26.6 962 72.1 18 1.4 311 23.3 103 7.7

Female householder, no husband present 188 8.7 82 43.5 105 55.8 1 0.7 70 36.9 40 21.5

Male householder, no wife present 76 3.5 22 29.5 50 65.8 4 4.7 20 26.7 8 10.6

Married couple 1,071 49.5 251 23.4 807 75.4 13 1.2 222 20.7 55 5.1

Nonfamily household 824 38.1 268 32.5 532 64.6 24 2.9 235 28.5 77 9.4

Female householder 465 21.5 125 26.9 323 69.5 17 3.6 107 23.1 42 9.1

Male householder 360 16.6 143 39.7 209 58.2 7 2.1 128 35.5 35 9.8

Other 4 0.2 NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 98 4.5 54 55.3 37 37.6 7 7.0 51 52.3 22 22.1

Hispanic non-Black 57 2.6 NA NA NA NA NA NA NA NA NA NA

White non-Black non-Hispanic 1,926 89.0 508 26.4 1,385 71.9 34 1.7 440 22.8 150 7.8

Other non-Black non-Hispanic 82 3.8 33 40.2 47 57.6 2 2.2 31 38.0 4 4.5

Age

15 to 34 years 505 23.3 172 34.0 327 64.8 6 1.1 155 30.7 53 10.5

35 to 44 years 361 16.7 107 29.6 247 68.6 7 1.9 92 25.5 40 11.0

45 to 54 years 451 20.9 145 32.1 299 66.3 7 1.5 125 27.6 40 9.0

55 to 64 years 393 18.1 96 24.5 291 74.1 6 1.4 86 21.9 23 6.0

65 years or more 454 21.0 103 22.7 334 73.4 17 3.8 89 19.5 24 5.3

Education

No high school degree 140 6.5 52 37.0 83 59.4 5 3.6 50 35.6 13 9.1

High school degree 549 25.4 169 30.8 370 67.4 10 1.8 153 27.9 41 7.5

Some college 691 31.9 226 32.7 446 64.5 19 2.8 186 26.9 86 12.5

College degree 783 36.2 176 22.4 599 76.5 8 1.0 157 20.0 41 5.2

Household Income

Less than $15,000 329 15.2 146 44.3 171 52.1 12 3.6 135 41.0 46 14.0

Between $15,000 and $30,000 346 16.0 114 33.0 220 63.4 12 3.6 94 27.3 39 11.2

Between $30,000 and $50,000 434 20.0 131 30.2 294 67.8 8 2.0 113 26.0 43 9.9

Between $50,000 and $75,000 432 20.0 113 26.3 317 73.3 2 0.4 99 22.8 27 6.2

At Least $75,000 623 28.8 119 19.0 496 79.7 8 1.3 106 16.9 26 4.2

Homeownership

Homeowner 1,553 71.8 373 24.0 1,155 74.3 26 1.7 325 20.9 84 5.4

Non-homeowner 610 28.2 250 41.0 344 56.3 16 2.7 221 36.2 97 15.9

Notes:

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund 

anticipation loans.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-96 Timing of AFS Use by Household Characteristic: Minnesota

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 Daysb In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Used AFS in the Last 

Year

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 2,163 100.0 118 5.5 199 9.2 306 14.1 1,498 69.3 42 2.0 317 14.7

Banking Status

Unbanked 90 4.1 31 34.6 14 15.9 9 10.0 29 32.8 6 6.6 45 50.5

Underbanked 272 12.6 87 32.0 185 68.0 0 0.0 0 0.0 0 0.0 272 100.0

Fully Banked 1,763 81.5 0 0.0 0 0.0 295 16.7 1,469 83.3 0 0.0 0 0.0

Banked but Underbanked Status Unknown 38 1.8 0 0.0 0 0.0 NA NA 0 0.0 NA NA 0 0.0

Household Type

Family household 1,335 61.7 67 5.0 116 8.7 173 12.9 962 72.1 18 1.4 182 13.7

Female householder, no husband present 188 8.7 28 15.1 35 18.8 18 9.5 105 55.8 1 0.7 64 33.9

Male householder, no wife present 76 3.5 4 5.9 6 7.9 12 15.8 50 65.8 4 4.7 10 13.7

Married couple 1,071 49.5 34 3.1 74 6.9 143 13.3 807 75.4 13 1.2 108 10.1

Nonfamily household 824 38.1 51 6.2 84 10.1 133 16.1 532 64.6 24 2.9 135 16.4

Female householder 465 21.5 25 5.4 36 7.7 64 13.9 323 69.5 17 3.6 61 13.1

Male householder 360 16.6 26 7.4 48 13.3 68 19.0 209 58.2 7 2.1 74 20.7

Other 4 0.2 NA NA NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 98 4.5 21 21.2 19 19.5 14 14.7 37 37.6 7 7.0 40 40.6

Hispanic non-Black 57 2.6 NA NA NA NA NA NA NA NA NA NA NA NA

White non-Black non-Hispanic 1,926 89.0 76 3.9 159 8.3 273 14.2 1,385 71.9 34 1.7 235 12.2

Other non-Black non-Hispanic 82 3.8 5 6.1 14 16.5 14 17.6 47 57.6 2 2.2 18 22.6

Age

15 to 34 years 505 23.3 40 7.8 65 12.8 68 13.4 327 64.8 6 1.1 104 20.7

35 to 44 years 361 16.7 16 4.4 30 8.4 61 16.8 247 68.6 7 1.9 46 12.8

45 to 54 years 451 20.9 30 6.7 53 11.7 62 13.7 299 66.3 7 1.5 83 18.4

55 to 64 years 393 18.1 18 4.7 23 5.9 55 13.9 291 74.1 6 1.4 42 10.6

65 years or more 454 21.0 14 3.1 28 6.2 61 13.4 334 73.4 17 3.8 42 9.3

Education

No high school degree 140 6.5 32 22.8 5 3.8 15 10.4 83 59.4 5 3.6 37 26.6

High school degree 549 25.4 33 5.9 63 11.4 74 13.5 370 67.4 10 1.8 95 17.3

Some college 691 31.9 45 6.5 73 10.5 109 15.7 446 64.5 19 2.8 117 17.0

College degree 783 36.2 9 1.1 59 7.5 108 13.8 599 76.5 8 1.0 68 8.6

Household Income

Less than $15,000 329 15.2 53 16.1 39 11.9 54 16.3 171 52.1 12 3.6 92 28.0

Between $15,000 and $30,000 346 16.0 21 6.1 47 13.6 46 13.4 220 63.4 12 3.6 68 19.7

Between $30,000 and $50,000 434 20.0 13 3.0 38 8.7 80 18.4 294 67.8 8 2.0 51 11.8

Between $50,000 and $75,000 432 20.0 14 3.3 31 7.1 68 15.9 317 73.3 2 0.4 45 10.4

At Least $75,000 623 28.8 17 2.7 45 7.2 57 9.2 496 79.7 8 1.3 61 9.9

Homeownership

Homeowner 1,553 71.8 48 3.1 108 7.0 217 14.0 1,155 74.3 26 1.7 156 10.0

Non-homeowner 610 28.2 70 11.6 91 14.9 89 14.5 344 56.3 16 2.7 162 26.5

Notes:

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as 

having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 

months. The unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use 

rent-to-own agreements or refund anticipation loans in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-97 Use of AFS by Banking Status: Mississippi

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 1,143 100.0 173 100.0 269 100.0 696 100.0 NA NA

Any AFS

Has Ever Used 593 51.9 134 77.4 269 100.0 191 27.4 NA NA

Has Never Used 540 47.2 35 20.0 0 0.0 505 72.6 NA NA

Unknown 10 0.9 4 2.6 0 0.0 0 0.0 NA NA

Non-Bank Money Order

Has Ever Used 482 42.2 105 60.6 242 89.8 136 19.6 NA NA

Has Never Used 651 56.9 64 36.8 28 10.2 560 80.4 NA NA

Unknown 10 0.9 4 2.6 - - 0 0.0 NA NA

Non-Bank Check Cashing

Has Ever Used 221 19.3 81 47.2 82 30.3 58 8.3 NA NA

Has Never Used 909 79.6 84 48.5 188 69.7 638 91.7 NA NA

Unknown 13 1.1 8 4.4 - - 0 0.0 NA NA

Non-Bank Remittances

Has Ever Used 41 3.6 2 1.4 30 11.3 9 1.3 NA NA

Has Never Used 1,090 95.3 164 94.8 239 88.7 687 98.7 NA NA

Unknown 12 1.1 7 3.8 - - 0 0.0 NA NA

Payday Lending

Has Ever Used 88 7.7 23 13.2 48 18.0 17 2.5 NA NA

Has Never Used 1,043 91.2 143 82.9 221 82.0 679 97.5 NA NA

Unknown 12 1.1 7 3.8 - - 0 0.0 NA NA

Pawn Shops

Has Ever Used 86 7.5 32 18.8 32 12.0 21 3.0 NA NA

Has Never Used 1,043 91.2 134 77.4 234 87.0 675 97.0 NA NA

Unknown 15 1.3 7 3.8 3 1.0 0 0.0 NA NA

Rent-to-Own

Has Ever Used 81 7.1 32 18.7 38 14.0 11 1.6 NA NA

Has Never Used 1,047 91.6 131 75.7 232 86.0 685 98.4 NA NA

Unknown 15 1.3 10 5.6 - - 0 0.0 NA NA

Refund Anticipation Loans

Has Ever Used 62 5.4 26 15.3 24 9.1 11 1.6 NA NA

Has Never Used 1,063 93.0 136 79.0 242 89.9 685 98.4 NA NA

Unknown 18 1.6 10 5.6 3 1.0 0 0.0 NA NA

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-98 Timing of AFS Use by Banking Status: Mississippi

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 1,143 100.0 173 100.0 269 100.0 696 100.0 NA NA

Any AFS

In Last 30 Days 173 15.2 71 41.1 102 38.0 0 0.0 NA NA

In Last 2-12 Months 203 17.7 36 20.7 167 62.0 0 0.0 NA NA

Not in the Last 12 Months 217 19.0 27 15.6 0 0.0 191 27.4 NA NA

Never Used 540 47.2 35 20.0 0 0.0 505 72.6 NA NA

Unknown 10 0.9 4 2.6 0 0.0 0 0.0 NA NA

Non-Bank Money Order

In Last 30 Days 129 11.3 44 25.7 85 31.6 0 0.0 NA NA

In Last 2-12 Months 162 14.2 31 18.1 131 48.7 0 0.0 NA NA

Not in the Last 12 Months 191 16.7 29 16.8 26 9.5 136 19.6 NA NA

Never Used 651 56.9 64 36.8 28 10.2 560 80.4 NA NA

Unknown 10 0.9 4 2.6 - - - - NA NA

Non-Bank Check Cashing

In Last 30 Days 71 6.2 52 29.9 19 7.2 0 0.0 NA NA

In Last 2-12 Months 62 5.5 17 9.9 45 16.8 0 0.0 NA NA

Not in the Last 12 Months 87 7.6 13 7.3 17 6.3 58 8.3 NA NA

Never Used 909 79.6 84 48.5 188 69.7 638 91.7 NA NA

Unknown 13 1.1 8 4.4 - - - - NA NA

Non-Bank Remittances

In Last 30 Days 2 0.2 - - 2 0.9 0 0.0 NA NA

In Last 2-12 Months 14 1.2 - - 14 5.3 0 0.0 NA NA

Not in the Last 12 Months 25 2.2 2 1.4 14 5.1 9 1.3 NA NA

Never Used 1,090 95.3 164 94.8 239 88.7 687 98.7 NA NA

Unknown 12 1.1 7 3.8 - - - - NA NA

Payday Lending

In Last 30 Days 4 0.4 - - 4 1.6 0 0.0 NA NA

In Last 2-12 Months 11 1.0 2 1.4 9 3.3 0 0.0 NA NA

Not in the Last 12 Months 73 6.4 20 11.8 35 13.0 17 2.5 NA NA

Never Used 1,043 91.2 143 82.9 221 82.0 679 97.5 NA NA

Unknown 12 1.1 7 3.8 - - - - NA NA
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-98 Timing of AFS Use by Banking Status: Mississippi

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Pawn Shops

In Last 30 Days 8 0.7 5 3.1 3 1.0 0 0.0 NA NA

In Last 2-12 Months 34 3.0 11 6.3 23 8.5 0 0.0 NA NA

Not in the Last 12 Months 44 3.8 16 9.3 7 2.5 21 3.0 NA NA

Never Used 1,043 91.2 134 77.4 234 87.0 675 97.0 NA NA

Unknown 15 1.3 7 3.8 3 1.0 - - NA NA

Rent-to-Owna

Used in last 12 months 21 1.9 5 2.7 17 6.2 0 0.0 NA NA

Used but not in last 12 months 59 5.2 28 16.0 21 7.8 11 1.6 NA NA

Never Used 1,047 91.6 131 75.7 232 86.0 685 98.4 NA NA

Unknown 15 1.3 10 5.6 - - - - NA NA

Refund Anticipation Loansa

Used in last 12 months 28 2.4 20 11.4 8 3.0 0 0.0 NA NA

Used but not in last 12 months 34 3.0 7 4.0 16 6.1 11 1.6 NA NA

Never Used 1,063 93.0 136 79.0 242 89.9 685 98.4 NA NA

Unknown 18 1.6 10 5.6 3 1.0 - - NA NA

Notes:

Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are 

categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as 

having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. a Households were not asked whether they used these AFS products in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-99 Use of AFS by Household Characteristic: Mississippi

Household Characteristic

All Households

Use of AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used a 

Transaction AFS Ever Used a Credit AFS

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 1,143 100.0 593 51.9 540 47.2 10 0.9 554 48.5 201 17.6

Banking Status

Unbanked 173 15.1 134 77.4 35 20.0 4 2.6 120 69.6 63 36.6

Underbanked 269 23.6 269 100.0 0 0.0 0 0.0 265 98.4 87 32.4

Fully Banked 696 60.9 191 27.4 505 72.6 0 0.0 169 24.3 50 7.2

Banked but Underbanked Status Unknown 6 0.5 NA NA NA NA NA NA NA NA NA NA

Household Type

Family household 811 70.9 402 49.6 400 49.3 8 1.0 378 46.6 136 16.8

Female householder, no husband present 181 15.8 123 68.0 55 30.6 3 1.4 112 61.8 52 28.6

Male householder, no wife present 62 5.4 NA NA NA NA NA NA NA NA NA NA

Married couple 568 49.7 236 41.5 327 57.5 6 1.0 225 39.6 60 10.6

Nonfamily household 333 29.1 191 57.4 140 42.0 2 0.6 176 53.0 65 19.4

Female householder 193 16.8 105 54.4 88 45.6 - - 97 50.4 30 15.7

Male householder 140 12.2 86 61.5 52 37.2 2 1.3 79 56.5 34 24.6

Race/Ethnicity

Black 418 36.6 289 69.2 126 30.2 3 0.6 268 64.2 122 29.1

Hispanic non-Black 12 1.1 NA NA NA NA NA NA NA NA NA NA

White non-Black non-Hispanic 701 61.3 297 42.3 397 56.7 7 1.1 278 39.7 77 11.0

Other non-Black non-Hispanic 12 1.0 NA NA NA NA NA NA NA NA NA NA

Age

15 to 34 years 233 20.4 130 55.6 101 43.3 3 1.1 125 53.5 38 16.4

35 to 44 years 194 16.9 109 56.3 82 42.4 3 1.3 87 45.1 59 30.5

45 to 54 years 271 23.7 168 62.1 100 36.8 3 1.1 162 59.6 65 24.1

55 to 64 years 203 17.8 87 42.9 114 56.2 2 0.9 84 41.4 17 8.1

65 years or more 242 21.2 99 41.0 143 59.0 - - 97 39.9 22 8.9

Education

No high school degree 187 16.4 100 53.5 85 45.5 2 1.0 93 49.7 53 28.4

High school degree 322 28.2 173 53.7 144 44.5 6 1.7 168 52.2 53 16.3

Some college 374 32.7 203 54.2 169 45.1 3 0.7 185 49.5 70 18.8

College degree 260 22.7 117 45.2 142 54.8 - - 108 41.6 25 9.6

Household Income

Less than $15,000 283 24.8 182 64.5 99 34.9 2 0.7 169 59.7 76 26.8

Between $15,000 and $30,000 229 20.1 133 57.9 94 41.0 3 1.1 121 52.8 48 21.1

Between $30,000 and $50,000 172 15.1 85 49.6 87 50.4 - - 79 46.0 30 17.2

Between $50,000 and $75,000 218 19.0 94 43.2 121 55.7 3 1.2 89 41.1 22 10.2

At Least $75,000 241 21.1 99 41.0 139 57.8 3 1.3 96 39.8 25 10.3

Homeownership

Homeowner 835 73.0 371 44.4 458 54.9 6 0.7 358 42.9 100 11.9

Non-homeowner 308 27.0 222 72.1 82 26.4 4 1.4 196 63.7 101 32.8

Notes:

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund anticipation loans.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-100 Timing of AFS Use by Household Characteristic: Mississippi

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 Daysb In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Used AFS in the Last 

Year

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 1,143 100.0 173 15.2 203 17.7 217 19.0 540 47.2 10 0.9 376 32.9

Banking Status

Unbanked 173 15.1 71 41.1 36 20.7 27 15.6 35 20.0 4 2.6 107 61.8

Underbanked 269 23.6 102 38.0 167 62.0 0 0.0 0 0.0 0 0.0 269 100.0

Fully Banked 696 60.9 0 0.0 0 0.0 191 27.4 505 72.6 0 0.0 0 0.0

Banked but Underbanked Status Unknown 6 0.5 0 0.0 0 0.0 NA NA 0 0.0 NA NA 0 0.0

Household Type

Family household 811 70.9 115 14.2 127 15.7 160 19.8 400 49.3 8 1.0 242 29.9

Female householder, no husband present 181 15.8 46 25.5 35 19.5 41 22.9 55 30.6 3 1.4 81 45.0

Male householder, no wife present 62 5.4 NA NA NA NA NA NA NA NA NA NA NA NA

Married couple 568 49.7 48 8.4 80 14.1 108 19.0 327 57.5 6 1.0 128 22.5

Nonfamily household 333 29.1 58 17.4 76 22.8 57 17.2 140 42.0 2 0.6 134 40.2

Female householder 193 16.8 24 12.3 53 27.4 28 14.8 88 45.6 - - 76 39.7

Male householder 140 12.2 34 24.5 23 16.4 29 20.6 52 37.2 2 1.3 57 40.8

Race/Ethnicity

Black 418 36.6 112 26.8 97 23.3 80 19.1 126 30.2 3 0.6 209 50.1

Hispanic non-Black 12 1.1 NA NA NA NA NA NA NA NA NA NA NA NA

White non-Black non-Hispanic 701 61.3 59 8.4 102 14.5 136 19.4 397 56.7 7 1.1 161 22.9

Other non-Black non-Hispanic 12 1.0 NA NA NA NA NA NA NA NA NA NA NA NA

Age

15 to 34 years 233 20.4 58 24.8 48 20.6 24 10.3 101 43.3 3 1.1 106 45.3

35 to 44 years 194 16.9 28 14.3 42 21.8 39 20.3 82 42.4 3 1.3 70 36.1

45 to 54 years 271 23.7 51 18.6 44 16.2 74 27.2 100 36.8 3 1.1 95 34.9

55 to 64 years 203 17.8 19 9.3 34 17.0 34 16.7 114 56.2 2 0.9 53 26.2

65 years or more 242 21.2 19 7.7 34 14.1 47 19.3 143 59.0 - - 53 21.7

Education

No high school degree 187 16.4 44 23.4 33 17.5 24 12.6 85 45.5 2 1.0 76 40.9

High school degree 322 28.2 70 21.8 52 16.0 51 15.9 144 44.5 6 1.7 122 37.8

Some college 374 32.7 47 12.6 82 21.8 74 19.7 169 45.1 3 0.7 129 34.5

College degree 260 22.7 12 4.7 36 14.1 69 26.4 142 54.8 - - 49 18.8

Household Income

Less than $15,000 283 24.8 76 26.9 63 22.2 43 15.4 99 34.9 2 0.7 139 49.1

Between $15,000 and $30,000 229 20.1 39 16.8 57 25.0 37 16.1 94 41.0 3 1.1 96 41.8

Between $30,000 and $50,000 172 15.1 21 12.0 19 11.0 46 26.5 87 50.4 - - 40 23.1

Between $50,000 and $75,000 218 19.0 24 11.3 28 12.7 42 19.2 121 55.7 3 1.2 52 23.9

At Least $75,000 241 21.1 13 5.6 36 14.8 49 20.5 139 57.8 3 1.3 49 20.4

Homeownership

Homeowner 835 73.0 69 8.3 141 16.8 161 19.3 458 54.9 6 0.7 210 25.2

Non-homeowner 308 27.0 104 33.7 62 20.1 56 18.3 82 26.4 4 1.4 166 53.8

Notes:

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as 

having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 

months. The unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use 

rent-to-own agreements or refund anticipation loans in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-101 Use of AFS by Banking Status: Missouri

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 2,490 100.0 237 100.0 514 100.0 1,681 100.0 NA NA

Any AFS

Has Ever Used 1,190 47.8 186 78.5 514 100.0 477 28.4 NA NA

Has Never Used 1,251 50.3 47 20.0 0 0.0 1,204 71.6 NA NA

Unknown 49 2.0 3 1.5 0 0.0 0 0.0 NA NA

Non-Bank Money Order

Has Ever Used 926 37.2 144 60.5 437 85.0 342 20.3 NA NA

Has Never Used 1,516 60.9 87 36.6 74 14.4 1,339 79.7 NA NA

Unknown 48 1.9 7 2.9 3 0.6 0 0.0 NA NA

Non-Bank Check Cashing

Has Ever Used 369 14.8 105 44.2 177 34.4 77 4.6 NA NA

Has Never Used 2,097 84.2 122 51.4 333 64.9 1,603 95.4 NA NA

Unknown 24 1.0 10 4.3 4 0.7 0 0.0 NA NA

Non-Bank Remittances

Has Ever Used 76 3.1 18 7.4 39 7.6 19 1.2 NA NA

Has Never Used 2,372 95.2 216 91.2 465 90.4 1,661 98.8 NA NA

Unknown 42 1.7 3 1.4 10 1.9 0 0.0 NA NA

Payday Lending

Has Ever Used 183 7.3 25 10.5 117 22.8 38 2.3 NA NA

Has Never Used 2,263 90.9 209 88.0 383 74.5 1,643 97.7 NA NA

Unknown 44 1.8 3 1.5 14 2.7 0 0.0 NA NA

Pawn Shops

Has Ever Used 229 9.2 63 26.5 111 21.6 55 3.3

Has Never Used 2,214 88.9 168 70.7 393 76.5 1,625 96.7 NA NA

Unknown 48 1.9 7 2.8 10 1.9 0 0.0 NA NA

Rent-to-Own

Has Ever Used 169 6.8 44 18.5 86 16.8 38 2.3 NA NA

Has Never Used 2,270 91.1 187 78.7 418 81.3 1,642 97.7 NA NA

Unknown 52 2.1 7 2.8 10 1.9 0 0.0 NA NA

Refund Anticipation Loans

Has Ever Used 102 4.1 19 8.2 43 8.3 40 2.4 NA NA

Has Never Used 2,332 93.6 211 89.0 459 89.2 1,640 97.6 NA NA

Unknown 56 2.3 7 2.8 13 2.5 0 0.0 NA NA

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-102 Timing of AFS Use by Banking Status: Missouri

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 2,490 100.0 237 100.0 514 100.0 1,681 100.0 NA NA

Any AFS

In Last 30 Days 300 12.0 102 43.2 197 38.4 0 0.0 NA NA

In Last 2-12 Months 379 15.2 63 26.4 317 61.6 0 0.0 NA NA

Not in the Last 12 Months 511 20.5 21 8.9 0 0.0 477 28.4 NA NA

Never Used 1,251 50.3 47 20.0 0 0.0 1,204 71.6 NA NA

Unknown 49 2.0 3 1.5 0 0.0 0 0.0 NA NA

Non-Bank Money Order

In Last 30 Days 201 8.1 71 29.8 131 25.4 0 0.0 NA NA

In Last 2-12 Months 314 12.6 50 20.9 265 51.5 0 0.0 NA NA

Not in the Last 12 Months 410 16.5 23 9.8 41 8.0 342 20.3 NA NA

Never Used 1,516 60.9 87 36.6 74 14.4 1,339 79.7 NA NA

Unknown 48 1.9 7 2.9 3 0.6 - - NA NA

Non-Bank Check Cashing

In Last 30 Days 100 4.0 56 23.4 45 8.7 0 0.0 NA NA

In Last 2-12 Months 96 3.8 29 12.1 67 13.1 0 0.0 NA NA

Not in the Last 12 Months 174 7.0 21 8.7 65 12.7 77 4.6 NA NA

Never Used 2,097 84.2 122 51.4 333 64.9 1,603 95.4 NA NA

Unknown 24 1.0 10 4.3 4 0.7 - - NA NA

Non-Bank Remittances

In Last 30 Days 19 0.8 5 2.1 15 2.8 0 0.0 NA NA

In Last 2-12 Months 14 0.5 6 2.7 7 1.4 0 0.0 NA NA

Not in the Last 12 Months 43 1.7 6 2.6 18 3.4 19 1.2 NA NA

Never Used 2,372 95.2 216 91.2 465 90.4 1,661 98.8 NA NA

Unknown 42 1.7 3 1.4 10 1.9 - - NA NA

Payday Lending

In Last 30 Days 29 1.2 3 1.4 26 5.0 0 0.0 NA NA

In Last 2-12 Months 24 1.0 3 1.4 21 4.1 0 0.0 NA NA

Not in the Last 12 Months 130 5.2 18 7.7 70 13.7 38 2.3 NA NA

Never Used 2,263 90.9 209 88.0 383 74.5 1,643 97.7 NA NA

Unknown 44 1.8 3 1.5 14 2.7 - - NA NA
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-102 Timing of AFS Use by Banking Status: Missouri

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Pawn Shops

In Last 30 Days 4 0.1 - - 4 0.7 0 0.0 NA NA

In Last 2-12 Months 61 2.4 24 10.1 37 7.1 0 0.0 NA NA

Not in the Last 12 Months 165 6.6 39 16.4 71 13.8 55 3.3 NA NA

Never Used 2,214 88.9 168 70.7 393 76.5 1,625 96.7 NA NA

Unknown 48 1.9 7 2.8 10 1.9 - - NA NA

Rent-to-Owna

Used in last 12 months 50 2.0 25 10.5 25 4.9 0 0.0 NA NA

Used but not in last 12 months 118 4.8 19 8.0 61 11.9 38 2.3 NA NA

Never Used 2,270 91.1 187 78.7 418 81.3 1,642 97.7 NA NA

Unknown 52 2.1 7 2.8 10 1.9 - - NA NA

Refund Anticipation Loansa

Used in last 12 months 18 0.7 7 2.9 11 2.1 0 0.0 NA NA

Used but not in last 12 months 85 3.4 13 5.3 32 6.2 40 2.4 NA NA

Never Used 2,332 93.6 211 89.0 459 89.2 1,640 97.6 NA NA

Unknown 56 2.3 7 2.8 13 2.5 - - NA NA

Notes:

Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are 

categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as 

having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. a Households were not asked whether they used these AFS products in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-103 Use of AFS by Household Characteristic: Missouri

Household Characteristic

All Households

Use of AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used a 

Transaction AFS Ever Used a Credit AFS

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 2,490 100.0 1,190 47.8 1,251 50.3 49 2.0 1,070 43.0 469 18.8

Banking Status

Unbanked 237 9.5 186 78.5 47 20.0 3 1.5 167 70.6 105 44.2

Underbanked 514 20.6 514 100.0 0 0.0 0 0.0 490 95.3 221 42.9

Fully Banked 1,681 67.5 477 28.4 1,204 71.6 0 0.0 403 24.0 141 8.4

Banked but Underbanked Status Unknown 59 2.4 NA NA NA NA NA NA NA NA NA NA

Household Type

Family household 1,671 67.1 786 47.0 848 50.8 37 2.2 717 42.9 316 18.9

Female householder, no husband present 337 13.5 219 65.2 98 29.2 19 5.6 205 60.9 123 36.5

Male householder, no wife present 98 3.9 NA NA NA NA NA NA NA NA NA NA

Married couple 1,236 49.6 499 40.4 719 58.2 18 1.4 451 36.5 158 12.8

Nonfamily household 816 32.8 404 49.6 399 48.9 12 1.5 354 43.4 153 18.7

Female householder 413 16.6 197 47.6 213 51.6 3 0.8 171 41.4 70 16.9

Male householder 403 16.2 208 51.6 186 46.3 9 2.2 183 45.4 83 20.6

Other 4 0.2 NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 313 12.6 218 69.6 82 26.4 13 4.0 197 63.0 119 37.9

Hispanic non-Black 73 2.9 NA NA NA NA NA NA NA NA NA NA

White non-Black non-Hispanic 2,030 81.5 902 44.4 1,099 54.1 30 1.5 809 39.9 318 15.6

Other non-Black non-Hispanic 75 3.0 NA NA NA NA NA NA NA NA NA NA

Age

15 to 34 years 557 22.4 355 63.7 195 35.0 7 1.3 322 57.8 154 27.7

35 to 44 years 441 17.7 204 46.3 220 50.0 17 3.8 182 41.2 97 22.1

45 to 54 years 525 21.1 253 48.2 261 49.7 11 2.1 221 42.2 113 21.6

55 to 64 years 447 17.9 201 44.9 236 52.7 10 2.3 191 42.8 67 15.1

65 years or more 520 20.9 177 34.1 340 65.3 3 0.7 154 29.6 37 7.0

Education

No high school degree 288 11.6 172 59.8 116 40.2 - - 155 53.7 84 29.1

High school degree 719 28.9 380 52.9 324 45.1 15 2.1 334 46.4 170 23.7

Some college 765 30.7 384 50.2 359 46.9 22 2.8 346 45.3 150 19.7

College degree 718 28.8 253 35.3 453 63.0 12 1.7 236 32.8 65 9.0

Household Income

Less than $15,000 429 17.2 298 69.5 127 29.5 4 1.0 258 60.2 176 41.0

Between $15,000 and $30,000 525 21.1 280 53.3 236 44.9 10 1.9 266 50.6 109 20.8

Between $30,000 and $50,000 545 21.9 265 48.7 265 48.6 15 2.7 230 42.3 83 15.2

Between $50,000 and $75,000 398 16.0 169 42.4 218 54.9 10 2.6 152 38.1 53 13.3

At Least $75,000 593 23.8 178 30.0 406 68.4 9 1.6 164 27.7 48 8.1

Homeownership

Homeowner 1,751 70.3 695 39.7 1,027 58.7 29 1.6 621 35.5 217 12.4

Non-homeowner 739 29.7 495 66.9 224 30.4 20 2.7 449 60.8 252 34.0

Notes:

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund anticipation loans.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-104 Timing of AFS Use by Household Characteristic: Missouri

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 Daysb In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Used AFS in the Last 

Year

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 2,490 100.0 300 12.0 379 15.2 511 20.5 1,251 50.3 49 2.0 679 27.3

Banking Status

Unbanked 237 9.5 102 43.2 63 26.4 21 8.9 47 20.0 3 1.5 165 69.6

Underbanked 514 20.6 197 38.4 317 61.6 0 0.0 0 0.0 0 0.0 514 100.0

Fully Banked 1,681 67.5 0 0.0 0 0.0 477 28.4 1,204 71.6 0 0.0 0 0.0

Banked but Underbanked Status Unknown 59 2.4 0 0.0 0 0.0 NA NA 0 0.0 NA NA 0 0.0

Household Type

Family household 1,671 67.1 193 11.5 268 16.0 325 19.5 848 50.8 37 2.2 461 27.6

Female householder, no husband present 337 13.5 79 23.4 86 25.7 54 16.1 98 29.2 19 5.6 165 49.1

Male householder, no wife present 98 3.9 NA NA NA NA NA NA NA NA NA NA NA NA

Married couple 1,236 49.6 85 6.9 165 13.4 249 20.2 719 58.2 18 1.4 250 20.2

Nonfamily household 816 32.8 107 13.1 112 13.7 186 22.8 399 48.9 12 1.5 218 26.8

Female householder 413 16.6 38 9.1 50 12.2 109 26.3 213 51.6 3 0.8 88 21.3

Male householder 403 16.2 69 17.2 61 15.2 77 19.2 186 46.3 9 2.2 130 32.4

Other 4 0.2 NA NA NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 313 12.6 87 27.7 70 22.4 61 19.5 82 26.4 13 4.0 157 50.1

Hispanic non-Black 73 2.9 NA NA NA NA NA NA NA NA NA NA NA NA

White non-Black non-Hispanic 2,030 81.5 184 9.1 287 14.1 430 21.2 1,099 54.1 30 1.5 471 23.2

Other non-Black non-Hispanic 75 3.0 NA NA NA NA NA NA NA NA NA NA NA NA

Age

15 to 34 years 557 22.4 117 20.9 135 24.3 103 18.5 195 35.0 7 1.3 252 45.2

35 to 44 years 441 17.7 52 11.9 64 14.5 88 19.9 220 50.0 17 3.8 116 26.4

45 to 54 years 525 21.1 59 11.2 79 15.0 115 22.0 261 49.7 11 2.1 138 26.2

55 to 64 years 447 17.9 48 10.8 53 11.9 99 22.2 236 52.7 10 2.3 102 22.8

65 years or more 520 20.9 24 4.6 48 9.2 106 20.3 340 65.3 3 0.7 72 13.7

Education

No high school degree 288 11.6 70 24.1 56 19.4 47 16.2 116 40.2 - - 125 43.6

High school degree 719 28.9 100 14.0 117 16.3 163 22.6 324 45.1 15 2.1 218 30.3

Some college 765 30.7 89 11.7 135 17.7 160 20.9 359 46.9 22 2.8 225 29.4

College degree 718 28.8 40 5.6 71 9.9 142 19.8 453 63.0 12 1.7 111 15.5

Household Income

Less than $15,000 429 17.2 97 22.7 105 24.4 96 22.4 127 29.5 4 1.0 202 47.1

Between $15,000 and $30,000 525 21.1 96 18.4 105 19.9 79 15.0 236 44.9 10 1.9 201 38.3

Between $30,000 and $50,000 545 21.9 55 10.1 74 13.7 136 25.0 265 48.6 15 2.7 129 23.7

Between $50,000 and $75,000 398 16.0 35 8.9 52 13.0 82 20.6 218 54.9 10 2.6 87 21.9

At Least $75,000 593 23.8 16 2.6 44 7.4 118 20.0 406 68.4 9 1.6 59 10.0

Homeownership

Homeowner 1,751 70.3 109 6.2 221 12.6 365 20.8 1,027 58.7 29 1.6 330 18.9

Non-homeowner 739 29.7 191 25.8 158 21.4 146 19.8 224 30.4 20 2.7 349 47.2

Notes:

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as 

having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 

months. The unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use 

rent-to-own agreements or refund anticipation loans in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-105 Use of AFS by Banking Status: Montana

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 426 100.0 NA NA 93 100.0 303 100.0 NA NA

Any AFS

Has Ever Used 198 46.5 NA NA 93 100.0 85 28.0 NA NA

Has Never Used 222 52.1 NA NA 0 0.0 218 72.0 NA NA

Unknown 6 1.4 NA NA 0 0.0 0 0.0 NA NA

Non-Bank Money Order

Has Ever Used 141 33.1 NA NA 71 75.9 54 17.7 NA NA

Has Never Used 280 65.8 NA NA 23 24.1 249 82.3 NA NA

Unknown 5 1.1 NA NA - - 0 0.0 NA NA

Non-Bank Check Cashing

Has Ever Used 68 15.9 NA NA 43 46.1 17 5.7 NA NA

Has Never Used 353 82.9 NA NA 50 53.9 286 94.3 NA NA

Unknown 5 1.1 NA NA - - 0 0.0 NA NA

Non-Bank Remittances

Has Ever Used 9 2.2 NA NA 3 3.6 4 1.3 NA NA

Has Never Used 412 96.7 NA NA 90 96.4 299 98.7 NA NA

Unknown 5 1.1 NA NA - - 0 0.0 NA NA

Payday Lending

Has Ever Used 25 5.8 NA NA 11 12.3 8 2.7 NA NA

Has Never Used 394 92.5 NA NA 81 86.3 295 97.3 NA NA

Unknown 7 1.6 NA NA 1 1.4 0 0.0 NA NA

Pawn Shops

Has Ever Used 60 14.1 NA NA 35 37.9 15 4.9 NA NA

Has Never Used 358 84.0 NA NA 57 60.7 288 95.1 NA NA

Unknown 8 1.8 NA NA 1 1.4 0 0.0 NA NA

Rent-to-Own

Has Ever Used 24 5.7 NA NA 8 8.6 12 3.9 NA NA

Has Never Used 393 92.4 NA NA 85 90.7 291 96.1 NA NA

Unknown 8 1.8 NA NA 1 0.7 0 0.0 NA NA

Refund Anticipation Loans

Has Ever Used 13 3.2 NA NA 7 7.3 2 0.7 NA NA

Has Never Used 405 95.1 NA NA 87 92.7 301 99.3 NA NA

Unknown 7 1.7 NA NA - - 0 0.0 NA NA

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-106 Timing of AFS Use by Banking Status: Montana

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 426 100.0 NA NA 93 100.0 303 100.0 NA NA

Any AFS

In Last 30 Days 46 10.8 NA NA 35 37.5 0 0.0 NA NA

In Last 2-12 Months 62 14.6 NA NA 58 62.5 0 0.0 NA NA

Not in the Last 12 Months 90 21.0 NA NA 0 0.0 85 28.0 NA NA

Never Used 222 52.1 NA NA 0 0.0 218 72.0 NA NA

Unknown 6 1.4 NA NA 0 0.0 0 0.0 NA NA

Non-Bank Money Order

In Last 30 Days 28 6.6 NA NA 20 21.3 0 0.0 NA NA

In Last 2-12 Months 39 9.1 NA NA 36 38.5 0 0.0 NA NA

Not in the Last 12 Months 74 17.4 NA NA 15 16.0 54 17.7 NA NA

Never Used 280 65.8 NA NA 23 24.1 249 82.3 NA NA

Unknown 5 1.1 NA NA - - - - NA NA

Non-Bank Check Cashing

In Last 30 Days 19 4.5 NA NA 15 15.6 0 0.0 NA NA

In Last 2-12 Months 22 5.1 NA NA 20 21.2 0 0.0 NA NA

Not in the Last 12 Months 27 6.3 NA NA 9 9.4 17 5.7 NA NA

Never Used 353 82.9 NA NA 50 53.9 286 94.3 NA NA

Unknown 5 1.1 NA NA - - - - NA NA

Non-Bank Remittances

In Last 30 Days 2 0.4 NA NA 1 1.0 0 0.0 NA NA

In Last 2-12 Months 2 0.4 NA NA 1 0.8 0 0.0 NA NA

Not in the Last 12 Months 6 1.3 NA NA 2 1.9 4 1.3 NA NA

Never Used 412 96.7 NA NA 90 96.4 299 98.7 NA NA

Unknown 5 1.1 NA NA - - - - NA NA

Payday Lending

In Last 30 Days 2 0.4 NA NA 2 1.6 0 0.0 NA NA

In Last 2-12 Months 3 0.6 NA NA 3 2.8 0 0.0 NA NA

Not in the Last 12 Months 21 4.8 NA NA 7 7.8 8 2.7 NA NA

Never Used 394 92.5 NA NA 81 86.3 295 97.3 NA NA

Unknown 7 1.6 NA NA 1 1.4 - - NA NA
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-106 Timing of AFS Use by Banking Status: Montana

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Pawn Shops

In Last 30 Days 10 2.4 NA NA 9 9.3 0 0.0 NA NA

In Last 2-12 Months 22 5.1 NA NA 18 19.6 0 0.0 NA NA

Not in the Last 12 Months 28 6.7 NA NA 8 8.9 15 4.9 NA NA

Never Used 358 84.0 NA NA 57 60.7 288 95.1 NA NA

Unknown 8 1.8 NA NA 1 1.4 - - NA NA

Rent-to-Owna

Used in last 12 months 4 1.0 NA NA 4 3.9 0 0.0 NA NA

Used but not in last 12 months 20 4.7 NA NA 4 4.7 12 3.9 NA NA

Never Used 393 92.4 NA NA 85 90.7 291 96.1 NA NA

Unknown 8 1.8 NA NA 1 0.7 - - NA NA

Refund Anticipation Loansa

Used in last 12 months 8 1.9 NA NA 5 5.6 0 0.0 NA NA

Used but not in last 12 months 5 1.3 NA NA 2 1.7 2 0.7 NA NA

Never Used 405 95.1 NA NA 87 92.7 301 99.3 NA NA

Unknown 7 1.7 NA NA - - - - NA NA

Notes:

Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are 

categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as 

having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. a Households were not asked whether they used these AFS products in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-107 Use of AFS by Household Characteristic: Montana

Household Characteristic

All Households

Use of AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used a 

Transaction AFS Ever Used a Credit AFS

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 426 100.0 198 46.5 222 52.1 6 1.4 169 39.7 90 21.1

Banking Status

Unbanked 21 4.8 NA NA NA NA NA NA NA NA NA NA

Underbanked 93 22.0 93 100.0 0 0.0 0 0.0 87 93.3 46 49.1

Fully Banked 303 71.2 85 28.0 218 72.0 0 0.0 65 21.4 30 9.8

Banked but Underbanked Status Unknown 9 2.0 NA NA NA NA NA NA NA NA NA NA

Household Type

Family household 256 60.2 123 47.9 130 50.6 4 1.6 104 40.4 55 21.6

Female householder, no husband present 46 10.8 33 71.2 13 28.8 - - 26 57.2 21 46.6

Male householder, no wife present 21 4.9 NA NA NA NA NA NA NA NA NA NA

Married couple 189 44.5 73 38.7 112 59.2 4 2.1 64 33.5 24 12.8

Nonfamily household 169 39.8 75 44.3 92 54.4 2 1.2 66 38.7 34 20.3

Female householder 83 19.6 35 41.5 48 57.2 1 1.3 31 37.0 18 21.5

Male householder 86 20.2 41 47.0 45 51.8 1 1.2 35 40.4 16 19.1

Race/Ethnicity

Black 7 1.6 NA NA NA NA NA NA NA NA NA NA

Hispanic non-Black 12 2.7 NA NA NA NA NA NA NA NA NA NA

White non-Black non-Hispanic 372 87.4 159 42.8 208 55.9 5 1.3 138 37.1 64 17.2

Other non-Black non-Hispanic 35 8.3 23 64.6 11 32.1 1 3.3 20 56.7 14 40.9

Age

15 to 34 years 104 24.4 56 54.0 47 44.9 1 1.1 46 44.6 32 30.4

35 to 44 years 58 13.6 26 45.4 31 53.0 1 1.6 18 31.2 13 21.9

45 to 54 years 63 14.7 38 61.0 24 39.0 - - 35 56.2 19 30.4

55 to 64 years 98 23.1 46 46.5 50 50.8 3 2.7 41 41.9 18 18.5

65 years or more 103 24.2 32 30.6 70 68.1 1 1.3 28 27.5 8 7.9

Education

No high school degree 26 6.2 NA NA NA NA NA NA NA NA NA NA

High school degree 130 30.6 67 51.5 62 47.7 1 0.9 59 45.4 30 22.9

Some college 140 32.8 63 45.2 74 52.9 3 1.9 51 36.3 38 27.2

College degree 129 30.4 50 38.6 77 59.7 2 1.7 44 34.2 14 10.6

Household Income

Less than $15,000 89 21.0 51 56.8 37 42.0 1 1.2 42 46.8 32 35.5

Between $15,000 and $30,000 98 23.0 46 47.5 49 50.3 2 2.2 42 42.4 26 26.5

Between $30,000 and $50,000 102 24.1 45 44.4 55 54.1 2 1.6 39 37.7 16 16.0

Between $50,000 and $75,000 85 19.9 35 41.5 48 57.0 1 1.5 31 36.2 11 13.3

At Least $75,000 51 12.1 20 38.9 31 61.1 - - 17 32.2 5 8.8

Homeownership

Homeowner 287 67.4 117 40.9 165 57.6 4 1.4 100 34.9 47 16.5

Non-homeowner 139 32.6 80 57.9 56 40.7 2 1.4 69 49.8 42 30.6

Notes:

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund anticipation loans.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-108 Timing of AFS Use by Household Characteristic: Montana

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 Daysb In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Used AFS in the Last 

Year

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 426 100.0 46 10.8 62 14.6 90 21.0 222 52.1 6 1.4 108 25.4

Banking Status

Unbanked 21 4.8 NA NA NA NA NA NA NA NA NA NA NA NA

Underbanked 93 22.0 35 37.5 58 62.5 0 0.0 0 0.0 0 0.0 93 100.0

Fully Banked 303 71.2 0 0.0 0 0.0 85 28.0 218 72.0 0 0.0 0 0.0

Banked but Underbanked Status Unknown 9 2.0 0 0.0 0 0.0 NA NA 0 0.0 NA NA 0 0.0

Household Type

Family household 256 60.2 29 11.4 42 16.4 51 20.1 130 50.6 4 1.6 71 27.8

Female householder, no husband present 46 10.8 12 25.8 13 27.4 8 17.9 13 28.8 - - 24 53.3

Male householder, no wife present 21 4.9 NA NA NA NA NA NA NA NA NA NA NA NA

Married couple 189 44.5 14 7.5 25 13.2 34 18.1 112 59.2 4 2.1 39 20.6

Nonfamily household 169 39.8 17 9.9 20 12.0 38 22.5 92 54.4 2 1.2 37 21.8

Female householder 83 19.6 7 8.5 8 9.2 20 23.8 48 57.2 1 1.3 15 17.7

Male householder 86 20.2 10 11.2 13 14.6 18 21.2 45 51.8 1 1.2 22 25.8

Race/Ethnicity

Black 7 1.6 NA NA NA NA NA NA NA NA NA NA NA NA

Hispanic non-Black 12 2.7 NA NA NA NA NA NA NA NA NA NA NA NA

White non-Black non-Hispanic 372 87.4 31 8.4 53 14.2 75 20.2 208 55.9 5 1.3 84 22.5

Other non-Black non-Hispanic 35 8.3 10 27.4 6 17.5 7 19.7 11 32.1 1 3.3 16 44.9

Age

15 to 34 years 104 24.4 13 12.7 24 22.8 19 18.4 47 44.9 1 1.1 37 35.5

35 to 44 years 58 13.6 4 7.2 9 16.1 13 22.1 31 53.0 1 1.6 13 23.3

45 to 54 years 63 14.7 13 20.7 13 20.5 12 19.9 24 39.0 - - 26 41.1

55 to 64 years 98 23.1 9 9.3 13 13.3 24 23.9 50 50.8 3 2.7 22 22.6

65 years or more 103 24.2 7 6.4 3 3.2 22 21.0 70 68.1 1 1.3 10 9.6

Education

No high school degree 26 6.2 NA NA NA NA NA NA NA NA NA NA NA NA

High school degree 130 30.6 22 16.8 20 15.6 25 19.0 62 47.7 1 0.9 42 32.5

Some college 140 32.8 15 10.7 25 17.8 23 16.7 74 52.9 3 1.9 40 28.5

College degree 129 30.4 3 2.2 14 10.9 33 25.5 77 59.7 2 1.7 17 13.1

Household Income

Less than $15,000 89 21.0 19 20.8 13 14.6 19 21.4 37 42.0 1 1.2 32 35.4

Between $15,000 and $30,000 98 23.0 14 13.8 14 14.2 19 19.4 49 50.3 2 2.2 27 28.1

Between $30,000 and $50,000 102 24.1 7 7.0 16 15.9 22 21.5 55 54.1 2 1.6 23 22.9

Between $50,000 and $75,000 85 19.9 4 5.2 11 13.0 20 23.3 48 57.0 1 1.5 15 18.2

At Least $75,000 51 12.1 2 4.5 8 15.5 10 18.9 31 61.1 - - 10 20.0

Homeownership

Homeowner 287 67.4 23 8.2 30 10.4 64 22.4 165 57.6 4 1.4 53 18.6

Non-homeowner 139 32.6 23 16.2 32 23.4 25 18.3 56 40.7 2 1.4 55 39.6

Notes: 

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as 

having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 

months. The unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use 

rent-to-own agreements or refund anticipation loans in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-109 Use of AFS by Banking Status: Nebraska

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 734 100.0 NA NA 130 100.0 559 100.0 NA NA

Any AFS

Has Ever Used 272 37.1 NA NA 130 100.0 119 21.4 NA NA

Has Never Used 444 60.5 NA NA 0 0.0 440 78.6 NA NA

Unknown 18 2.4 NA NA 0 0.0 0 0.0 NA NA

Non-Bank Money Order

Has Ever Used 186 25.3 NA NA 89 68.4 81 14.5 NA NA

Has Never Used 536 73.1 NA NA 40 30.9 478 85.5 NA NA

Unknown 12 1.6 NA NA 1 0.7 0 0.0 NA NA

Non-Bank Check Cashing

Has Ever Used 97 13.3 NA NA 53 40.6 32 5.6 NA NA

Has Never Used 624 85.1 NA NA 77 58.7 528 94.4 NA NA

Unknown 12 1.7 NA NA 1 0.7 0 0.0 NA NA

Non-Bank Remittances

Has Ever Used 35 4.7 NA NA 16 12.3 15 2.7 NA NA

Has Never Used 685 93.4 NA NA 114 87.7 544 97.3 NA NA

Unknown 14 1.9 NA NA - - 0 0.0 NA NA

Payday Lending

Has Ever Used 32 4.4 NA NA 16 12.2 13 2.4 NA NA

Has Never Used 693 94.4 NA NA 114 87.2 546 97.6 NA NA

Unknown 9 1.2 NA NA 1 0.7 0 0.0 NA NA

Pawn Shops

Has Ever Used 51 6.9 NA NA 28 21.3 16 2.9 NA NA

Has Never Used 673 91.8 NA NA 102 78.1 543 97.1 NA NA

Unknown 10 1.3 NA NA 1 0.7 0 0.0 NA NA

Rent-to-Own

Has Ever Used 20 2.8 NA NA 12 8.9 7 1.2 NA NA

Has Never Used 702 95.7 NA NA 118 90.4 553 98.8 NA NA

Unknown 11 1.5 NA NA 1 0.7 0 0.0 NA NA

Refund Anticipation Loans

Has Ever Used 22 3.0 NA NA 9 7.1 9 1.6 NA NA

Has Never Used 702 95.7 NA NA 120 92.3 550 98.4 NA NA

Unknown 10 1.3 NA NA 1 0.7 0 0.0 NA NA

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated 

that the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-110 Timing of AFS Use by Banking Status: Nebraska

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 734 100.0 NA NA 130 100.0 559 100.0 NA NA

Any AFS

In Last 30 Days 67 9.1 NA NA 56 43.0 0 0.0 NA NA

In Last 2-12 Months 83 11.3 NA NA 74 57.0 0 0.0 NA NA

Not in the Last 12 Months 122 16.7 NA NA 0 0.0 119 21.4 NA NA

Never Used 444 60.5 NA NA 0 0.0 440 78.6 NA NA

Unknown 18 2.4 NA NA 0 0.0 0 0.0 NA NA

Non-Bank Money Order

In Last 30 Days 39 5.3 NA NA 33 25.6 0 0.0 NA NA

In Last 2-12 Months 60 8.1 NA NA 50 38.2 0 0.0 NA NA

Not in the Last 12 Months 87 11.8 NA NA 6 4.6 81 14.5 NA NA

Never Used 536 73.1 NA NA 40 30.9 478 85.5 NA NA

Unknown 12 1.6 NA NA 1 0.7 - - NA NA

Non-Bank Check Cashing

In Last 30 Days 19 2.5 NA NA 14 11.0 0 0.0 NA NA

In Last 2-12 Months 31 4.2 NA NA 28 21.2 0 0.0 NA NA

Not in the Last 12 Months 48 6.5 NA NA 11 8.4 32 5.6 NA NA

Never Used 624 85.1 NA NA 77 58.7 528 94.4 NA NA

Unknown 12 1.7 NA NA 1 0.7 - - NA NA

Non-Bank Remittances

In Last 30 Days 7 1.0 NA NA 4 3.0 0 0.0 NA NA

In Last 2-12 Months 10 1.4 NA NA 10 8.0 0 0.0 NA NA

Not in the Last 12 Months 17 2.3 NA NA 2 1.4 15 2.7 NA NA

Never Used 685 93.4 NA NA 114 87.7 544 97.3 NA NA

Unknown 14 1.9 NA NA - - - - NA NA

Payday Lending

In Last 30 Days 6 0.8 NA NA 5 3.9 0 0.0 NA NA

In Last 2-12 Months 6 0.8 NA NA 6 4.4 0 0.0 NA NA

Not in the Last 12 Months 20 2.8 NA NA 5 3.9 13 2.4 NA NA

Never Used 693 94.4 NA NA 114 87.2 546 97.6 NA NA

Unknown 9 1.2 NA NA 1 0.7 - - NA NA
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-110 Timing of AFS Use by Banking Status: Nebraska

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Pawn Shops

In Last 30 Days 6 0.9 NA NA 5 3.7 0 0.0 NA NA

In Last 2-12 Months 12 1.7 NA NA 9 6.5 0 0.0 NA NA

Not in the Last 12 Months 32 4.4 NA NA 14 11.0 16 2.9 NA NA

Never Used 673 91.8 NA NA 102 78.1 543 97.1 NA NA

Unknown 10 1.3 NA NA 1 0.7 - - NA NA

Rent-to-Owna

Used in last 12 months 7 1.0 NA NA 5 3.9 0 0.0 NA NA

Used but not in last 12 months 13 1.8 NA NA 7 5.1 7 1.2 NA NA

Never Used 702 95.7 NA NA 118 90.4 553 98.8 NA NA

Unknown 11 1.5 NA NA 1 0.7 - - NA NA

Refund Anticipation Loansa

Used in last 12 months 8 1.1 NA NA 5 4.0 0 0.0 NA NA

Used but not in last 12 months 14 1.9 NA NA 4 3.1 9 1.6 NA NA

Never Used 702 95.7 NA NA 120 92.3 550 98.4 NA NA

Unknown 10 1.3 NA NA 1 0.7 - - NA NA

Notes:

Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are 

categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as 

having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. a Households were not asked whether they used these AFS products in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated 

that the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-111 Use of AFS by Household Characteristic: Nebraska

Household Characteristic

All Households

Use of AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used a 

Transaction AFS Ever Used a Credit AFS

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 734 100.0 272 37.1 444 60.5 18 2.4 240 32.7 88 12.0

Banking Status

Unbanked 27 3.7 NA NA NA NA NA NA NA NA NA NA

Underbanked 130 17.8 130 100.0 0 0.0 0 0.0 116 89.0 45 34.2

Fully Banked 559 76.2 119 21.4 440 78.6 0 0.0 103 18.4 35 6.2

Banked but Underbanked Status Unknown 17 2.3 NA NA NA NA NA NA NA NA NA NA

Household Type

Family household 484 66.0 179 36.9 292 60.3 14 2.8 154 31.8 65 13.4

Female householder, no husband present 60 8.2 34 56.9 25 41.4 1 1.7 25 41.3 22 36.0

Male householder, no wife present 33 4.5 NA NA NA NA NA NA NA NA NA NA

Married couple 391 53.3 128 32.6 255 65.1 9 2.3 114 29.0 39 9.8

Nonfamily household 249 34.0 93 37.4 152 61.0 4 1.6 86 34.4 23 9.4

Female householder 131 17.9 41 31.2 89 68.1 1 0.8 37 27.9 12 8.8

Male householder 118 16.1 52 44.3 63 53.2 3 2.5 49 41.7 12 10.0

Race/Ethnicity

Black 28 3.8 NA NA NA NA NA NA NA NA NA NA

Hispanic non-Black 52 7.1 29 56.1 20 38.0 3 5.9 24 45.9 15 28.7

White non-Black non-Hispanic 630 85.9 215 34.2 400 63.5 15 2.3 190 30.1 61 9.6

Other non-Black non-Hispanic 23 3.2 NA NA NA NA NA NA NA NA NA NA

Age

15 to 34 years 194 26.5 85 43.8 105 53.8 5 2.5 71 36.3 41 21.0

35 to 44 years 111 15.1 46 41.3 62 56.0 3 2.8 41 36.7 14 13.0

45 to 54 years 144 19.6 64 44.6 77 53.9 2 1.5 58 40.1 22 15.3

55 to 64 years 138 18.9 46 33.3 88 63.2 5 3.4 41 29.6 10 7.3

65 years or more 147 20.0 31 21.2 113 76.9 3 2.0 30 20.6 1 0.6

Education

No high school degree 67 9.1 35 51.8 28 41.4 4 6.7 30 45.1 13 20.0

High school degree 205 28.0 71 34.4 130 63.2 5 2.5 61 29.5 24 11.9

Some college 234 31.9 97 41.6 131 56.0 6 2.5 87 37.1 37 16.0

College degree 227 31.0 69 30.5 156 68.5 2 1.0 62 27.4 13 5.8

Household Income

Less than $15,000 82 11.2 34 41.7 43 53.0 4 5.3 30 36.4 11 13.6

Between $15,000 and $30,000 152 20.8 68 44.5 81 53.4 3 2.1 54 35.4 33 21.5

Between $30,000 and $50,000 174 23.7 72 41.6 100 57.6 1 0.7 66 38.1 22 13.0

Between $50,000 and $75,000 145 19.7 42 28.9 99 68.2 4 2.9 37 25.6 11 7.9

At Least $75,000 181 24.7 56 30.9 121 66.6 5 2.5 53 29.3 10 5.8

Homeownership

Homeowner 509 69.4 157 30.8 341 67.0 11 2.1 145 28.5 34 6.6

Non-homeowner 225 30.6 115 51.2 103 45.8 7 3.0 95 42.3 54 24.2

Notes:

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund anticipation loans.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-112 Timing of AFS Use by Household Characteristic: Nebraska

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 Daysb In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Used AFS in the Last 

Year

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 734 100.0 67 9.1 83 11.3 122 16.7 444 60.5 18 2.4 150 20.4

Banking Status

Unbanked 27 3.7 NA NA NA NA NA NA NA NA NA NA NA NA

Underbanked 130 17.8 56 43.0 74 57.0 0 0.0 0 0.0 0 0.0 130 100.0

Fully Banked 559 76.2 0 0.0 0 0.0 119 21.4 440 78.6 0 0.0 0 0.0

Banked but Underbanked Status Unknown 17 2.3 0 0.0 0 0.0 NA NA 0 0.0 NA NA 0 0.0

Household Type

Family household 484 66.0 50 10.3 52 10.6 77 16.0 292 60.3 14 2.8 101 20.9

Female householder, no husband present 60 8.2 11 18.9 14 23.6 9 14.5 25 41.4 1 1.7 25 42.4

Male householder, no wife present 33 4.5 NA NA NA NA NA NA NA NA NA NA NA NA

Married couple 391 53.3 29 7.3 32 8.3 66 17.0 255 65.1 9 2.3 61 15.6

Nonfamily household 249 34.0 17 6.8 31 12.6 45 17.9 152 61.0 4 1.6 48 19.4

Female householder 131 17.9 7 5.3 13 9.7 21 16.2 89 68.1 1 0.8 20 15.0

Male householder 118 16.1 10 8.5 19 15.8 23 19.9 63 53.2 3 2.5 29 24.4

Race/Ethnicity

Black 28 3.8 NA NA NA NA NA NA NA NA NA NA NA NA

Hispanic non-Black 52 7.1 14 26.5 8 15.1 8 14.5 20 38.0 3 5.9 22 41.6

White non-Black non-Hispanic 630 85.9 42 6.7 64 10.2 109 17.3 400 63.5 15 2.3 107 16.9

Other non-Black non-Hispanic 23 3.2 NA NA NA NA NA NA NA NA NA NA NA NA

Age

15 to 34 years 194 26.5 26 13.5 33 16.7 26 13.5 105 53.8 5 2.5 59 30.3

35 to 44 years 111 15.1 7 6.7 14 12.5 24 22.0 62 56.0 3 2.8 21 19.2

45 to 54 years 144 19.6 16 11.4 22 15.5 25 17.6 77 53.9 2 1.5 39 26.9

55 to 64 years 138 18.9 11 8.0 8 6.1 27 19.2 88 63.2 5 3.4 20 14.1

65 years or more 147 20.0 6 3.8 6 4.0 20 13.4 113 76.9 3 2.0 11 7.8

Education

No high school degree 67 9.1 14 20.4 15 22.2 6 9.3 28 41.4 4 6.7 28 42.6

High school degree 205 28.0 18 9.0 24 11.8 28 13.5 130 63.2 5 2.5 43 20.8

Some college 234 31.9 27 11.7 23 9.7 47 20.2 131 56.0 6 2.5 50 21.3

College degree 227 31.0 8 3.3 21 9.3 41 17.9 156 68.5 2 1.0 29 12.6

Household Income

Less than $15,000 82 11.2 16 19.6 13 15.3 6 6.9 43 53.0 4 5.3 29 34.8

Between $15,000 and $30,000 152 20.8 23 14.9 19 12.7 26 16.9 81 53.4 3 2.1 42 27.6

Between $30,000 and $50,000 174 23.7 13 7.6 21 12.2 38 21.8 100 57.6 1 0.7 34 19.8

Between $50,000 and $75,000 145 19.7 10 7.0 12 8.4 20 13.5 99 68.2 4 2.9 22 15.4

At Least $75,000 181 24.7 5 2.7 18 9.8 33 18.4 121 66.6 5 2.5 23 12.5

Homeownership

Homeowner 509 69.4 29 5.7 41 8.1 87 17.0 341 67.0 11 2.1 70 13.8

Non-homeowner 225 30.6 38 16.7 42 18.5 36 15.9 103 45.8 7 3.0 79 35.3

Notes:

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as 

having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 

months. The unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use 

rent-to-own agreements or refund anticipation loans in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-113 Use of AFS by Banking Status: Nevada

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 1,035 100.0 77 100.0 323 100.0 600 100.0 NA NA

Any AFS

Has Ever Used 533 51.5 58 75.2 323 100.0 143 23.8 NA NA

Has Never Used 468 45.2 10 13.4 0 0.0 457 76.2 NA NA

Unknown 35 3.4 9 11.5 0 0.0 0 0.0 NA NA

Non-Bank Money Order

Has Ever Used 402 38.8 47 60.5 245 75.9 105 17.5 NA NA

Has Never Used 604 58.3 22 28.0 76 23.6 495 82.5 NA NA

Unknown 30 2.9 9 11.5 1 0.5 0 0.0 NA NA

Non-Bank Check Cashing

Has Ever Used 184 17.8 50 65.4 96 29.8 35 5.8 NA NA

Has Never Used 826 79.8 18 23.1 225 69.7 565 94.2 NA NA

Unknown 24 2.4 9 11.5 1 0.5 0 0.0 NA NA

Non-Bank Remittances

Has Ever Used 90 8.7 7 9.0 77 23.9 4 0.7 NA NA

Has Never Used 914 88.3 59 76.8 245 75.7 596 99.3 NA NA

Unknown 31 3.0 11 14.2 1 0.4 0 0.0 NA NA

Payday Lending

Has Ever Used 123 11.8 17 22.6 91 28.1 14 2.4 NA NA

Has Never Used 875 84.6 50 65.0 228 70.6 586 97.6 NA NA

Unknown 37 3.6 10 12.4 4 1.3 0 0.0 NA NA

Pawn Shops

Has Ever Used 111 10.7 26 33.2 66 20.6 19 3.1 NA NA

Has Never Used 882 85.3 41 52.5 249 77.2 581 96.9 NA NA

Unknown 42 4.0 11 14.2 7 2.3 0 0.0 NA NA

Rent-to-Own

Has Ever Used 42 4.0 4 4.6 27 8.4 11 1.8 NA NA

Has Never Used 958 92.6 63 81.1 290 89.8 589 98.2 NA NA

Unknown 35 3.4 11 14.2 6 1.8 0 0.0 NA NA

Refund Anticipation Loans

Has Ever Used 60 5.8 8 9.8 42 13.1 10 1.7 NA NA

Has Never Used 940 90.8 59 76.0 275 85.2 590 98.3 NA NA

Unknown 35 3.4 11 14.2 6 1.8 0 0.0 NA NA

Notes: 

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-114 Timing of AFS Use by Banking Status: Nevada

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 1,035 100.0 77 100.0 323 100.0 600 100.0 NA NA

Any AFS

In Last 30 Days 185 17.9 42 54.6 143 44.2 0 0.0 NA NA

In Last 2-12 Months 190 18.4 10 12.7 180 55.8 0 0.0 NA NA

Not in the Last 12 Months 158 15.2 6 7.9 0 0.0 143 23.8 NA NA

Never Used 468 45.2 10 13.4 0 0.0 457 76.2 NA NA

Unknown 35 3.4 9 11.5 0 0.0 0 0.0 NA NA

Non-Bank Money Order

In Last 30 Days 127 12.3 28 36.1 99 30.7 0 0.0 NA NA

In Last 2-12 Months 131 12.7 9 12.1 122 37.8 0 0.0 NA NA

Not in the Last 12 Months 143 13.8 9 12.2 24 7.4 105 17.5 NA NA

Never Used 604 58.3 22 28.0 76 23.6 495 82.5 NA NA

Unknown 30 2.9 9 11.5 1 0.5 - - NA NA

Non-Bank Check Cashing

In Last 30 Days 55 5.3 27 35.1 28 8.6 0 0.0 NA NA

In Last 2-12 Months 59 5.7 17 21.9 42 13.0 0 0.0 NA NA

Not in the Last 12 Months 70 6.8 6 8.4 26 8.2 35 5.8 NA NA

Never Used 826 79.8 18 23.1 225 69.7 565 94.2 NA NA

Unknown 24 2.4 9 11.5 1 0.5 - - NA NA

Non-Bank Remittances

In Last 30 Days 25 2.4 2 2.2 23 7.2 0 0.0 NA NA

In Last 2-12 Months 40 3.9 3 4.5 37 11.4 0 0.0 NA NA

Not in the Last 12 Months 25 2.4 2 2.4 17 5.3 4 0.7 NA NA

Never Used 914 88.3 59 76.8 245 75.7 596 99.3 NA NA

Unknown 31 3.0 11 14.2 1 0.4 - - NA NA

Payday Lending

In Last 30 Days 23 2.2 1 1.6 21 6.6 0 0.0 NA NA

In Last 2-12 Months 58 5.6 7 9.2 51 15.7 0 0.0 NA NA

Not in the Last 12 Months 42 4.1 9 11.7 18 5.7 14 2.4 NA NA

Never Used 875 84.6 50 65.0 228 70.6 586 97.6 NA NA

Unknown 37 3.6 10 12.4 4 1.3 - - NA NA
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-114 Timing of AFS Use by Banking Status: Nevada

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Pawn Shops

In Last 30 Days 14 1.4 6 8.4 8 2.3 0 0.0 NA NA

In Last 2-12 Months 39 3.7 10 13.4 28 8.8 0 0.0 NA NA

Not in the Last 12 Months 58 5.6 9 11.4 31 9.5 19 3.1 NA NA

Never Used 882 85.3 41 52.5 249 77.2 581 96.9 NA NA

Unknown 42 4.0 11 14.2 7 2.3 - - NA NA

Rent-to-Owna

Used in last 12 months 3 0.2 - - 3 0.8 0 0.0 NA NA

Used but not in last 12 months 39 3.8 4 4.6 25 7.6 11 1.8 NA NA

Never Used 958 92.6 63 81.1 290 89.8 589 98.2 NA NA

Unknown 35 3.4 11 14.2 6 1.8 - - NA NA

Refund Anticipation Loansa

Used in last 12 months 10 1.0 - - 10 3.1 0 0.0 NA NA

Used but not in last 12 months 50 4.8 8 9.8 32 10.0 10 1.7 NA NA

Never Used 940 90.8 59 76.0 275 85.2 590 98.3 NA NA

Unknown 35 3.4 11 14.2 6 1.8 - - NA NA

Notes:

Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are 

categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as 

having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. a Households were not asked whether they used these AFS products in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-115 Use of AFS by Household Characteristic: Nevada

Household Characteristic

All Households

Use of AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used a 

Transaction AFS Ever Used a Credit AFS

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 1,035 100.0 533 51.5 468 45.2 35 3.4 494 47.7 218 21.1

Banking Status

Unbanked 77 7.5 58 75.2 10 13.4 9 11.5 57 73.3 33 43.0

Underbanked 323 31.2 323 100.0 0 0.0 0 0.0 301 93.1 144 44.5

Fully Banked 600 58.0 143 23.8 457 76.2 0 0.0 128 21.3 41 6.9

Banked but Underbanked Status Unknown 35 3.3 NA NA NA NA NA NA NA NA NA NA

Household Type

Family household 622 60.1 326 52.4 276 44.4 20 3.2 301 48.4 141 22.6

Female householder, no husband present 107 10.3 61 57.2 43 40.4 3 2.4 54 50.6 39 36.6

Male householder, no wife present 67 6.4 42 63.5 20 29.7 4 6.7 41 61.4 23 34.4

Married couple 449 43.3 222 49.6 213 47.6 13 2.9 206 45.9 79 17.6

Nonfamily household 409 39.6 204 49.9 191 46.7 14 3.4 191 46.6 77 18.9

Female householder 183 17.7 93 50.7 84 45.8 6 3.5 89 48.6 33 18.3

Male householder 226 21.9 112 49.3 107 47.4 8 3.3 102 45.0 44 19.4

Other 3 0.3 NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 108 10.4 64 59.8 34 31.7 9 8.5 62 57.5 30 27.7

Hispanic non-Black 165 15.9 98 59.5 61 37.0 6 3.6 86 52.3 42 25.3

White non-Black non-Hispanic 666 64.3 317 47.6 331 49.8 17 2.6 294 44.2 128 19.2

Other non-Black non-Hispanic 97 9.3 53 54.8 41 42.3 3 2.9 52 53.4 19 19.2

Age

15 to 34 years 240 23.2 138 57.6 92 38.2 10 4.2 128 53.2 72 29.8

35 to 44 years 216 20.9 132 61.0 76 35.0 8 3.9 122 56.6 59 27.4

45 to 54 years 183 17.6 100 54.6 80 44.0 3 1.4 92 50.2 44 24.0

55 to 64 years 173 16.7 80 46.3 85 49.2 8 4.5 73 42.4 29 16.7

65 years or more 223 21.6 83 37.0 135 60.3 6 2.7 79 35.4 15 6.6

Education

No high school degree 114 11.0 74 64.5 38 33.0 3 2.5 69 60.7 34 29.9

High school degree 310 29.9 173 55.7 118 38.0 19 6.3 156 50.4 81 26.1

Some college 325 31.4 162 49.8 154 47.4 9 2.8 151 46.6 68 21.0

College degree 286 27.6 124 43.5 158 55.3 4 1.2 117 41.0 35 12.3

Household Income

Less than $15,000 160 15.5 98 61.4 51 32.0 11 6.6 94 58.5 48 30.3

Between $15,000 and $30,000 213 20.5 119 56.2 90 42.4 3 1.4 102 48.2 55 25.8

Between $30,000 and $50,000 224 21.7 132 58.7 88 39.2 5 2.1 124 55.3 56 25.1

Between $50,000 and $75,000 173 16.7 66 38.3 95 54.7 12 7.0 61 35.2 29 16.8

At Least $75,000 265 25.6 117 44.2 144 54.2 4 1.7 113 42.7 30 11.1

Homeownership

Homeowner 597 57.7 254 42.5 332 55.6 11 1.9 241 40.4 74 12.5

Non-homeowner 438 42.3 279 63.6 136 30.9 24 5.4 253 57.7 144 32.8

Notes:

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund 

anticipation loans.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-116 Timing of AFS Use by Household Characteristic: Nevada

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 Daysb In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Used AFS in the Last 

Year

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 1,035 100.0 185 17.9 190 18.4 158 15.2 468 45.2 35 3.4 375 36.2

Banking Status

Unbanked 77 7.5 42 54.6 10 12.7 6 7.9 10 13.4 9 11.5 52 67.3

Underbanked 323 31.2 143 44.2 180 55.8 0 0.0 0 0.0 0 0.0 323 100.0

Fully Banked 600 58.0 0 0.0 0 0.0 143 23.8 457 76.2 0 0.0 0 0.0

Banked but Underbanked Status Unknown 35 3.3 0 0.0 0 0.0 NA NA 0 0.0 NA NA 0 0.0

Household Type

Family household 622 60.1 116 18.6 113 18.2 97 15.6 276 44.4 20 3.2 229 36.8

Female householder, no husband present 107 10.3 23 21.1 22 20.6 16 15.4 43 40.4 3 2.4 45 41.8

Male householder, no wife present 67 6.4 15 22.4 20 30.2 7 11.0 20 29.7 4 6.7 35 52.6

Married couple 449 43.3 78 17.4 71 15.8 73 16.3 213 47.6 13 2.9 149 33.2

Nonfamily household 409 39.6 67 16.4 77 18.8 61 14.8 191 46.7 14 3.4 144 35.2

Female householder 183 17.7 36 19.4 25 13.5 33 17.8 84 45.8 6 3.5 60 32.9

Male householder 226 21.9 32 13.9 52 23.1 28 12.3 107 47.4 8 3.3 84 37.0

Other 3 0.3 NA NA NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 108 10.4 32 29.5 24 22.4 8 7.9 34 31.7 9 8.5 56 51.9

Hispanic non-Black 165 15.9 41 24.6 33 20.2 24 14.7 61 37.0 6 3.6 74 44.8

White non-Black non-Hispanic 666 64.3 89 13.4 112 16.9 116 17.4 331 49.8 17 2.6 201 30.2

Other non-Black non-Hispanic 97 9.3 24 24.5 20 21.1 9 9.2 41 42.3 3 2.9 44 45.6

Age

15 to 34 years 240 23.2 57 23.8 45 18.9 36 14.9 92 38.2 10 4.2 103 42.7

35 to 44 years 216 20.9 51 23.8 43 20.0 37 17.3 76 35.0 8 3.9 95 43.7

45 to 54 years 183 17.6 36 19.5 41 22.3 23 12.7 80 44.0 3 1.4 76 41.8

55 to 64 years 173 16.7 21 12.3 32 18.7 26 15.3 85 49.2 8 4.5 53 31.0

65 years or more 223 21.6 20 8.8 28 12.7 35 15.5 135 60.3 6 2.7 48 21.5

Education

No high school degree 114 11.0 35 31.0 24 21.1 14 12.5 38 33.0 3 2.5 59 52.1

High school degree 310 29.9 62 20.1 58 18.6 53 17.0 118 38.0 19 6.3 120 38.7

Some college 325 31.4 66 20.3 45 13.8 51 15.7 154 47.4 9 2.8 111 34.2

College degree 286 27.6 21 7.5 63 22.1 40 13.8 158 55.3 4 1.2 85 29.6

Household Income

Less than $15,000 160 15.5 38 23.8 35 22.1 25 15.5 51 32.0 11 6.6 73 45.9

Between $15,000 and $30,000 213 20.5 41 19.3 48 22.4 31 14.5 90 42.4 3 1.4 89 41.7

Between $30,000 and $50,000 224 21.7 65 29.1 33 14.6 34 15.0 88 39.2 5 2.1 98 43.7

Between $50,000 and $75,000 173 16.7 13 7.6 28 16.4 25 14.3 95 54.7 12 7.0 42 24.0

At Least $75,000 265 25.6 28 10.4 46 17.3 44 16.4 144 54.2 4 1.7 73 27.7

Homeownership

Homeowner 597 57.7 70 11.7 88 14.7 96 16.1 332 55.6 11 1.9 158 26.4

Non-homeowner 438 42.3 115 26.2 102 23.4 61 14.0 136 30.9 24 5.4 217 49.6

Notes:

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use rent-to-own agreements or refund anticipation loans in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-117 Use of AFS by Banking Status: New Hampshire

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 526 100.0 NA NA 66 100.0 439 100.0 NA NA

Any AFS

Has Ever Used 162 30.8 NA NA 66 100.0 88 20.0 NA NA

Has Never Used 353 67.1 NA NA 0 0.0 351 80.0 NA NA

Unknown 11 2.1 NA NA 0 0.0 0 0.0 NA NA

Non-Bank Money Order

Has Ever Used 124 23.6 NA NA 48 72.7 68 15.6 NA NA

Has Never Used 394 74.9 NA NA 18 27.3 370 84.4 NA NA

Unknown 8 1.5 NA NA - - 0 0.0 NA NA

Non-Bank Check Cashing

Has Ever Used 40 7.6 NA NA 20 30.7 14 3.3 NA NA

Has Never Used 478 91.0 NA NA 46 69.3 424 96.7 NA NA

Unknown 7 1.4 NA NA - - 0 0.0 NA NA

Non-Bank Remittances

Has Ever Used 14 2.7 NA NA 9 13.5 4 0.9 NA NA

Has Never Used 503 95.6 NA NA 56 85.8 435 99.1 NA NA

Unknown 9 1.7 NA NA - - 0 0.0 NA NA

Payday Lending

Has Ever Used 6 1.1 NA NA 3 4.6 3 0.7 NA NA

Has Never Used 509 96.8 NA NA 62 94.0 436 99.3 NA NA

Unknown 11 2.0 NA NA 1 1.4 0 0.0 NA NA

Pawn Shops

Has Ever Used 17 3.2 NA NA 7 11.4 7 1.6 NA NA

Has Never Used 500 95.1 NA NA 58 87.9 432 98.4 NA NA

Unknown 9 1.7 NA NA - - 0 0.0 NA NA

Rent-to-Own

Has Ever Used 21 3.9 NA NA 9 13.3 10 2.4 NA NA

Has Never Used 497 94.5 NA NA 57 86.7 428 97.6 NA NA

Unknown 8 1.6 NA NA - - 0 0.0 NA NA

Refund Anticipation Loans NA NA NA NA

Has Ever Used 11 2.1 NA NA 6 9.0 4 0.9 NA NA

Has Never Used 507 96.4 NA NA 60 91.0 435 99.1 NA NA

Unknown 8 1.6 NA NA - - 0 0.0 NA NA

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-118 Timing of AFS Use by Banking Status: New Hampshire

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 526 100.0 NA NA 66 100.0 439 100.0 NA NA

Any AFS

In Last 30 Days 22 4.3 NA NA 18 26.9 0 0.0 NA NA

In Last 2-12 Months 49 9.3 NA NA 48 73.1 0 0.0 NA NA

Not in the Last 12 Months 90 17.2 NA NA 0 0.0 88 20.0 NA NA

Never Used 353 67.1 NA NA 0 0.0 351 80.0 NA NA

Unknown 11 2.1 NA NA 0 0.0 0 0.0 NA NA

Non-Bank Money Order

In Last 30 Days 12 2.3 NA NA 10 15.2 0 0.0 NA NA

In Last 2-12 Months 33 6.3 NA NA 31 47.5 0 0.0 NA NA

Not in the Last 12 Months 78 14.9 NA NA 7 10.1 68 15.6 NA NA

Never Used 394 74.9 NA NA 18 27.3 370 84.4 NA NA

Unknown 8 1.5 NA NA - - - - NA NA

Non-Bank Check Cashing

In Last 30 Days 10 1.8 NA NA 5 8.3 0 0.0 NA NA

In Last 2-12 Months 11 2.1 NA NA 11 17.1 0 0.0 NA NA

Not in the Last 12 Months 19 3.6 NA NA 3 5.3 14 3.3 NA NA

Never Used 478 91.0 NA NA 46 69.3 424 96.7 NA NA

Unknown 7 1.4 NA NA - - - - NA NA

Non-Bank Remittances

In Last 30 Days 1 0.2 NA NA 1 1.6 0 0.0 NA NA

In Last 2-12 Months 8 1.6 NA NA 8 11.9 0 0.0 NA NA

Not in the Last 12 Months 5 0.9 NA NA - - 4 0.9 NA NA

Never Used 503 95.6 NA NA 56 85.8 435 99.1 NA NA

Unknown 9 1.7 NA NA - - - - NA NA

Payday Lending

In Last 2-12 Months 1 0.1 NA NA 1 0.8 0 0.0 NA NA

Not in the Last 12 Months 5 1.0 NA NA 2 3.7 3 0.7 NA NA

Never Used 509 96.8 NA NA 62 94.0 436 99.3 NA NA

Unknown 11 2.0 NA NA 1 1.4 - - NA NA
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-118 Timing of AFS Use by Banking Status: New Hampshire

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Pawn Shops

In Last 30 Days 2 0.3 NA NA 2 2.7 0 0.0 NA NA

In Last 2-12 Months 5 1.0 NA NA 4 6.7 0 0.0 NA NA

Not in the Last 12 Months 9 1.8 NA NA 1 2.0 7 1.6 NA NA

Never Used 500 95.1 NA NA 58 87.9 432 98.4 NA NA

Unknown 9 1.7 NA NA - - - - NA NA

Rent-to-Owna

Used in last 12 months 4 0.8 NA NA 4 6.7 0 0.0 NA NA

Used but not in last 12 months 16 3.1 NA NA 4 6.7 10 2.4 NA NA

Never Used 497 94.5 NA NA 57 86.7 428 97.6 NA NA

Unknown 8 1.6 NA NA - - - - NA NA

Refund Anticipation Loansa

Used in last 12 months 4 0.8 NA NA 3 5.2 0 0.0 NA NA

Used but not in last 12 months 7 1.3 NA NA 2 3.8 4 0.9 NA NA

Never Used 507 96.4 NA NA 60 91.0 435 99.1 NA NA

Unknown 8 1.6 NA NA - - - - NA NA

Notes:

Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are 

categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as 

having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. a Households were not asked whether they used these AFS products in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-119 Use of AFS by Household Characteristic: New Hampshire

Household Characteristic

All Households

Use of AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used a 

Transaction AFS Ever Used a Credit AFS

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 526 100.0 162 30.8 353 67.1 11 2.1 148 28.2 42 7.9

Banking Status

Unbanked 10 1.9 NA NA NA NA NA NA NA NA NA NA

Underbanked 66 12.5 66 100.0 0 0.0 0 0.0 63 95.4 17 25.8

Fully Banked 439 83.5 88 20.0 351 80.0 0 0.0 77 17.5 21 4.9

Banked but Underbanked Status Unknown 11 2.1 NA NA NA NA NA NA NA NA NA NA

Household Type

Family household 364 69.2 112 30.6 247 68.0 5 1.4 102 28.0 31 8.6

Female householder, no husband present 46 8.8 22 48.4 23 50.4 1 1.2 22 47.4 9 20.1

Male householder, no wife present 20 3.9 9 43.3 11 54.1 1 2.5 8 37.8 3 14.9

Married couple 297 56.5 80 27.0 213 71.7 4 1.3 72 24.3 19 6.3

Nonfamily household 161 30.6 50 31.0 105 65.1 6 3.9 46 28.4 10 6.3

Female householder 81 15.4 25 30.7 53 65.6 3 3.7 22 27.0 5 6.5

Male householder 80 15.1 25 31.3 51 64.7 3 4.0 24 29.9 5 6.1

Other 1 0.2 NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 10 1.9 NA NA NA NA NA NA NA NA NA NA

Hispanic non-Black 11 2.2 NA NA NA NA NA NA NA NA NA NA

White non-Black non-Hispanic 488 92.9 150 30.7 329 67.3 10 2.0 136 27.8 40 8.2

Other non-Black non-Hispanic 16 3.0 NA NA NA NA NA NA NA NA NA NA

Age

15 to 34 years 88 16.8 26 29.2 61 69.4 1 1.3 23 26.0 10 11.5

35 to 44 years 94 17.9 30 31.8 64 67.6 1 0.5 27 28.4 11 11.5

45 to 54 years 130 24.6 35 27.0 93 72.1 1 0.9 31 24.0 11 8.3

55 to 64 years 105 20.0 38 36.6 62 59.4 4 4.1 38 36.1 4 3.9

65 years or more 109 20.7 33 30.1 72 66.2 4 3.7 29 27.1 6 5.5

Education

No high school degree 34 6.4 14 42.9 18 52.9 1 4.3 12 36.2 5 15.1

High school degree 135 25.7 51 38.0 82 60.4 2 1.7 47 34.6 17 12.2

Some college 151 28.8 45 29.9 102 67.7 4 2.5 40 26.7 15 9.7

College degree 206 39.1 51 24.8 151 73.4 4 1.8 49 23.7 6 2.7

Household Income

Less than $15,000 40 7.7 24 58.8 16 38.9 1 2.4 21 51.3 9 21.9

Between $15,000 and $30,000 76 14.5 27 35.6 46 60.7 3 3.7 25 32.2 10 13.3

Between $30,000 and $50,000 105 19.9 38 36.7 64 61.3 2 2.0 36 34.7 8 7.7

Between $50,000 and $75,000 112 21.3 26 23.7 84 74.9 2 1.4 23 20.9 6 5.8

At Least $75,000 193 36.7 46 23.9 143 74.2 4 1.9 43 22.4 8 4.3

Homeownership

Homeowner 389 74.0 104 26.8 278 71.4 7 1.8 96 24.6 20 5.1

Non-homeowner 137 26.0 58 42.1 75 54.9 4 3.0 52 38.3 22 16.0

Notes:

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund 

anticipation loans.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-120 Timing of AFS Use by Household Characteristic: New Hampshire

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 Daysb In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Used AFS in the Last 

Year

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 526 100.0 22 4.3 49 9.3 90 17.2 353 67.1 11 2.1 72 13.6

Banking Status

Unbanked 10 1.9 NA NA NA NA NA NA NA NA NA NA NA NA

Underbanked 66 12.5 18 26.9 48 73.1 0 0.0 0 0.0 0 0.0 66 100.0

Fully Banked 439 83.5 0 0.0 0 0.0 88 20.0 351 80.0 0 0.0 0 0.0

Banked but Underbanked Status Unknown 11 2.1 0 0.0 0 0.0 NA NA 0 0.0 NA NA 0 0.0

Household Type

Family household 364 69.2 17 4.6 36 9.9 59 16.1 247 68.0 5 1.4 53 14.5

Female householder, no husband present 46 8.8 4 9.0 11 23.0 8 16.5 23 50.4 1 1.2 15 32.0

Male householder, no wife present 20 3.9 2 8.4 2 10.2 5 24.8 11 54.1 1 2.5 4 18.5

Married couple 297 56.5 11 3.7 23 7.9 46 15.5 213 71.7 4 1.3 34 11.5

Nonfamily household 161 30.6 6 3.6 13 8.1 31 19.4 105 65.1 6 3.9 19 11.6

Female householder 81 15.4 1 1.6 6 7.8 17 21.3 53 65.6 3 3.7 8 9.4

Male householder 80 15.1 4 5.5 7 8.4 14 17.4 51 64.7 3 4.0 11 13.9

Other 1 0.2 NA NA NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 10 1.9 NA NA NA NA NA NA NA NA NA NA NA NA

Hispanic non-Black 11 2.2 NA NA NA NA NA NA NA NA NA NA NA NA

White non-Black non-Hispanic 488 92.9 18 3.8 43 8.8 88 18.1 329 67.3 10 2.0 61 12.6

Other non-Black non-Hispanic 16 3.0 NA NA NA NA NA NA NA NA NA NA NA NA

Age

15 to 34 years 88 16.8 6 7.0 8 9.4 11 12.8 61 69.4 1 1.3 15 16.4

35 to 44 years 94 17.9 4 4.5 7 7.4 19 19.9 64 67.6 1 0.5 11 11.9

45 to 54 years 130 24.6 5 4.2 14 10.7 16 12.2 93 72.1 1 0.9 19 14.9

55 to 64 years 105 20.0 4 4.2 13 12.6 21 19.8 62 59.4 4 4.1 18 16.8

65 years or more 109 20.7 2 2.0 7 6.1 24 21.9 72 66.2 4 3.7 9 8.2

Education

No high school degree 34 6.4 4 11.1 3 10.2 7 21.6 18 52.9 1 4.3 7 21.3

High school degree 135 25.7 12 8.8 16 11.7 24 17.5 82 60.4 2 1.7 28 20.5

Some college 151 28.8 5 3.1 15 9.9 26 16.9 102 67.7 4 2.5 20 13.0

College degree 206 39.1 2 1.1 15 7.3 34 16.5 151 73.4 4 1.8 17 8.3

Household Income

Less than $15,000 40 7.7 7 17.6 6 15.0 11 26.2 16 38.9 1 2.4 13 32.6

Between $15,000 and $30,000 76 14.5 5 6.3 6 8.0 16 21.2 46 60.7 3 3.7 11 14.3

Between $30,000 and $50,000 105 19.9 6 5.4 13 12.7 19 18.6 64 61.3 2 2.0 19 18.2

Between $50,000 and $75,000 112 21.3 2 1.4 9 7.9 16 14.4 84 74.9 2 1.4 10 9.3

At Least $75,000 193 36.7 3 1.7 15 7.6 28 14.6 143 74.2 4 1.9 18 9.4

Homeownership

Homeowner 389 74.0 9 2.3 31 8.1 64 16.4 278 71.4 7 1.8 40 10.4

Non-homeowner 137 26.0 14 9.9 18 12.9 26 19.3 75 54.9 4 3.0 31 22.8

Notes:

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use rent-to-own agreements or refund anticipation loans in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-121 Use of AFS by Banking Status: New Jersey

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 3,202 100.0 212 100.0 621 100.0 2,297 100.0 NA NA

Any AFS

Has Ever Used 1,471 45.9 165 78.1 621 100.0 648 28.2 NA NA

Has Never Used 1,692 52.8 43 20.2 0 0.0 1,649 71.8 NA NA

Unknown 40 1.2 4 1.7 0 0.0 0 0.0 NA NA

Non-Bank Money Order

Has Ever Used 1,196 37.4 128 60.5 505 81.3 527 22.9 NA NA

Has Never Used 1,962 61.3 80 37.8 111 17.9 1,770 77.1 NA NA

Unknown 44 1.4 4 1.7 5 0.7 0 0.0 NA NA

Non-Bank Check Cashing

Has Ever Used 450 14.1 131 62.1 206 33.1 105 4.6 NA NA

Has Never Used 2,717 84.8 72 33.8 415 66.9 2,192 95.4 NA NA

Unknown 35 1.1 9 4.1 - - 0 0.0 NA NA

Non-Bank Remittances

Has Ever Used 353 11.0 57 26.8 225 36.3 71 3.1 NA NA

Has Never Used 2,804 87.6 151 71.5 389 62.6 2,226 96.9 NA NA

Unknown 45 1.4 4 1.7 7 1.1 0 0.0 NA NA

Payday Lending

Has Ever Used 24 0.7 - - 9 1.4 15 0.7 NA NA

Has Never Used 3,147 98.3 212 100.0 604 97.3 2,282 99.3 NA NA

Unknown 31 1.0 - - 8 1.3 0 0.0 NA NA

Pawn Shops

Has Ever Used 148 4.6 34 16.2 87 14.1 27 1.2 NA NA

Has Never Used 3,018 94.3 177 83.8 525 84.6 2,270 98.8 NA NA

Unknown 36 1.1 - - 8 1.3 0 0.0 NA NA

Rent-to-Own

Has Ever Used 81 2.5 28 13.4 46 7.5 6 0.3 NA NA

Has Never Used 3,090 96.5 180 84.9 566 91.2 2,290 99.7 NA NA

Unknown 31 1.0 4 1.7 8 1.3 0 0.0 NA NA

Refund Anticipation Loans

Has Ever Used 70 2.2 12 5.6 42 6.7 17 0.7 NA NA

Has Never Used 3,093 96.6 196 92.7 571 92.0 2,280 99.3 NA NA

Unknown 39 1.2 4 1.7 8 1.3 0 0.0 NA NA

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-122 Timing of AFS Use by Banking Status: New Jersey

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 3,202 100.0 212 100.0 621 100.0 2,297 100.0 NA NA

Any AFS

In Last 30 Days 341 10.7 117 55.3 224 36.1 0 0.0 NA NA

In Last 2-12 Months 432 13.5 35 16.6 396 63.9 0 0.0 NA NA

Not in the Last 12 Months 698 21.8 13 6.2 0 0.0 648 28.2 NA NA

Never Used 1,692 52.8 43 20.2 0 0.0 1,649 71.8 NA NA

Unknown 40 1.2 4 1.7 0 0.0 0 0.0 NA NA

Non-Bank Money Order

In Last 30 Days 232 7.3 85 40.3 147 23.7 0 0.0 NA NA

In Last 2-12 Months 346 10.8 28 13.3 318 51.2 0 0.0 NA NA

Not in the Last 12 Months 618 19.3 15 6.9 40 6.5 527 22.9 NA NA

Never Used 1,962 61.3 80 37.8 111 17.9 1,770 77.1 NA NA

Unknown 44 1.4 4 1.7 5 0.7 - - NA NA

Non-Bank Check Cashing

In Last 30 Days 154 4.8 96 45.3 58 9.4 0 0.0 NA NA

In Last 2-12 Months 71 2.2 16 7.6 55 8.9 0 0.0 NA NA

Not in the Last 12 Months 225 7.0 19 9.2 92 14.8 105 4.6 NA NA

Never Used 2,717 84.8 72 33.8 415 66.9 2,192 95.4 NA NA

Unknown 35 1.1 9 4.1 - - - - NA NA

Non-Bank Remittances

In Last 30 Days 52 1.6 5 2.3 47 7.5 0 0.0 NA NA

In Last 2-12 Months 154 4.8 24 11.1 130 20.9 0 0.0 NA NA

Not in the Last 12 Months 148 4.6 28 13.4 48 7.8 71 3.1 NA NA

Never Used 2,804 87.6 151 71.5 389 62.6 2,226 96.9 NA NA

Unknown 45 1.4 4 1.7 7 1.1 - - NA NA

Payday Lending

In Last 2-12 Months 5 0.2 - - 5 0.9 0 0.0 NA NA

Not in the Last 12 Months 18 0.6 - - 3 0.5 15 0.7 NA NA

Never Used 3,147 98.3 212 100.0 604 97.3 2,282 99.3 NA NA

Unknown 31 1.0 - - 8 1.3 - - NA NA
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-122 Timing of AFS Use by Banking Status: New Jersey

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Pawn Shops

In Last 30 Days 22 0.7 7 3.3 15 2.3 0 0.0 NA NA

In Last 2-12 Months 33 1.0 10 4.8 23 3.7 0 0.0 NA NA

Not in the Last 12 Months 94 2.9 17 8.0 50 8.1 27 1.2 NA NA

Never Used 3,018 94.3 177 83.8 525 84.6 2,270 98.8 NA NA

Unknown 36 1.1 - - 8 1.3 - - NA NA

Rent-to-Owna

Used in last 12 months 35 1.1 10 4.6 25 4.0 0 0.0 NA NA

Used but not in last 12 months 46 1.4 18 8.7 21 3.4 6 0.3 NA NA

Never Used 3,090 96.5 180 84.9 566 91.2 2,290 99.7 NA NA

Unknown 31 1.0 4 1.7 8 1.3 - - NA NA

Refund Anticipation Loansa

Used in last 12 months 22 0.7 8 4.0 14 2.2 0 0.0 NA NA

Used but not in last 12 months 48 1.5 3 1.6 28 4.5 17 0.7 NA NA

Never Used 3,093 96.6 196 92.7 571 92.0 2,280 99.3 NA NA

Unknown 39 1.2 4 1.7 8 1.3 - - NA NA

Notes:

Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are 

categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as 

having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. a Households were not asked whether they used these AFS products in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated 

that the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-123 Use of AFS by Household Characteristic: New Jersey

Household Characteristic

All Households

Use of AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used a 

Transaction AFS Ever Used a Credit AFS

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 3,202 100.0 1,471 45.9 1,692 52.8 40 1.2 1,423 44.4 257 8.0

Banking Status

Unbanked 212 6.6 165 78.1 43 20.2 4 1.7 156 73.8 53 24.9

Underbanked 621 19.4 621 100.0 0 0.0 0 0.0 618 99.5 139 22.4

Fully Banked 2,297 71.7 648 28.2 1,649 71.8 0 0.0 612 26.6 65 2.8

Banked but Underbanked Status Unknown 73 2.3 NA NA NA NA NA NA NA NA NA NA

Household Type

Family household 2,159 67.4 1,013 46.9 1,122 52.0 24 1.1 983 45.5 172 8.0

Female householder, no husband present 336 10.5 181 53.9 155 46.1 - - 176 52.4 42 12.5

Male householder, no wife present 139 4.3 NA NA NA NA NA NA NA NA NA NA

Married couple 1,685 52.6 734 43.6 930 55.2 20 1.2 710 42.1 92 5.5

Nonfamily household 1,043 32.6 458 43.9 569 54.6 16 1.5 440 42.1 85 8.1

Female householder 571 17.8 224 39.2 335 58.7 12 2.1 217 38.0 36 6.2

Male householder 472 14.7 234 49.6 234 49.6 4 0.8 222 47.1 49 10.4

Other 0 - NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 468 14.6 372 79.6 87 18.5 9 2.0 357 76.2 131 27.9

Hispanic non-Black 361 11.3 218 60.3 144 39.7 - - 214 59.2 40 11.0

White non-Black non-Hispanic 2,138 66.8 790 36.9 1,318 61.6 31 1.4 765 35.8 82 3.8

Other non-Black non-Hispanic 235 7.3 91 38.9 144 61.1 - - 87 37.3 4 1.6

Age

15 to 34 years 541 16.9 310 57.3 226 41.8 5 0.9 299 55.3 62 11.5

35 to 44 years 597 18.6 297 49.7 296 49.6 4 0.7 271 45.4 83 13.9

45 to 54 years 706 22.0 355 50.3 344 48.7 7 1.0 355 50.3 45 6.3

55 to 64 years 617 19.3 286 46.4 324 52.5 7 1.2 282 45.8 39 6.3

65 years or more 742 23.2 223 30.1 502 67.6 17 2.3 216 29.1 28 3.7

Education

No high school degree 311 9.7 175 56.3 136 43.7 - - 175 56.3 38 12.3

High school degree 929 29.0 443 47.7 466 50.2 20 2.2 428 46.1 112 12.0

Some college 710 22.2 321 45.2 381 53.6 8 1.2 302 42.5 63 8.9

College degree 1,252 39.1 533 42.5 709 56.6 11 0.9 518 41.4 43 3.5

Household Income

Less than $15,000 313 9.8 194 62.0 115 36.7 4 1.3 194 62.0 81 25.8

Between $15,000 and $30,000 410 12.8 214 52.2 191 46.7 4 1.0 195 47.7 55 13.5

Between $30,000 and $50,000 515 16.1 235 45.6 272 52.8 8 1.6 224 43.4 41 8.0

Between $50,000 and $75,000 643 20.1 330 51.3 309 48.1 4 0.6 326 50.7 38 5.9

At Least $75,000 1,321 41.3 498 37.7 804 60.8 20 1.5 483 36.6 42 3.1

Homeownership

Homeowner 2,227 69.5 861 38.7 1,335 60.0 31 1.4 840 37.7 73 3.3

Non-homeowner 975 30.5 610 62.6 356 36.5 9 0.9 583 59.7 183 18.8

Notes:

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund 

anticipation loans.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-124 Timing of AFS Use by Household Characteristic: New Jersey

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 Daysb In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Used AFS in the Last 

Year

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 3,202 100.0 341 10.7 432 13.5 698 21.8 1,692 52.8 40 1.2 773 24.1

Banking Status

Unbanked 212 6.6 117 55.3 35 16.6 13 6.2 43 20.2 4 1.7 152 71.9

Underbanked 621 19.4 224 36.1 396 63.9 0 0.0 0 0.0 0 0.0 621 100.0

Fully Banked 2,297 71.7 0 0.0 0 0.0 648 28.2 1,649 71.8 0 0.0 0 0.0

Banked but Underbanked Status Unknown 73 2.3 0 0.0 0 0.0 NA NA 0 0.0 NA NA 0 0.0

Household Type

Family household 2,159 67.4 211 9.7 342 15.8 460 21.3 1,122 52.0 24 1.1 552 25.6

Female householder, no husband present 336 10.5 73 21.7 47 13.9 61 18.3 155 46.1 - - 120 35.6

Male householder, no wife present 139 4.3 NA NA NA NA NA NA NA NA NA NA NA NA

Married couple 1,685 52.6 119 7.1 237 14.1 378 22.4 930 55.2 20 1.2 356 21.2

Nonfamily household 1,043 32.6 131 12.5 90 8.6 238 22.8 569 54.6 16 1.5 221 21.1

Female householder 571 17.8 36 6.3 53 9.3 135 23.7 335 58.7 12 2.1 89 15.5

Male householder 472 14.7 95 20.1 37 7.8 102 21.7 234 49.6 4 0.8 132 27.9

Other 0 - NA NA NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 468 14.6 116 24.8 122 26.0 135 28.8 87 18.5 9 2.0 238 50.8

Hispanic non-Black 361 11.3 113 31.2 76 21.1 29 8.0 144 39.7 - - 189 52.3

White non-Black non-Hispanic 2,138 66.8 96 4.5 194 9.1 500 23.4 1,318 61.6 31 1.4 290 13.5

Other non-Black non-Hispanic 235 7.3 17 7.1 40 17.0 35 14.7 144 61.1 - - 57 24.1

Age

15 to 34 years 541 16.9 95 17.6 105 19.5 110 20.3 226 41.8 5 0.9 200 37.1

35 to 44 years 597 18.6 78 13.0 94 15.8 125 20.9 296 49.6 4 0.7 172 28.8

45 to 54 years 706 22.0 96 13.6 109 15.5 150 21.2 344 48.7 7 1.0 205 29.1

55 to 64 years 617 19.3 54 8.7 59 9.6 173 28.1 324 52.5 7 1.2 113 18.3

65 years or more 742 23.2 19 2.6 64 8.6 141 18.9 502 67.6 17 2.3 83 11.2

Education

No high school degree 311 9.7 58 18.8 63 20.1 54 17.4 136 43.7 - - 121 38.9

High school degree 929 29.0 138 14.9 127 13.7 177 19.0 466 50.2 20 2.2 266 28.6

Some college 710 22.2 72 10.1 96 13.5 153 21.6 381 53.6 8 1.2 168 23.6

College degree 1,252 39.1 73 5.8 146 11.6 314 25.1 709 56.6 11 0.9 219 17.5

Household Income

Less than $15,000 313 9.8 91 29.0 55 17.7 48 15.3 115 36.7 4 1.3 146 46.7

Between $15,000 and $30,000 410 12.8 90 21.9 48 11.7 76 18.6 191 46.7 4 1.0 138 33.6

Between $30,000 and $50,000 515 16.1 38 7.4 68 13.2 129 25.0 272 52.8 8 1.6 106 20.6

Between $50,000 and $75,000 643 20.1 48 7.5 95 14.8 186 28.9 309 48.1 4 0.6 144 22.4

At Least $75,000 1,321 41.3 74 5.6 165 12.5 259 19.6 804 60.8 20 1.5 239 18.1

Homeownership

Homeowner 2,227 69.5 101 4.5 255 11.5 505 22.7 1,335 60.0 31 1.4 356 16.0

Non-homeowner 975 30.5 241 24.7 176 18.1 193 19.8 356 36.5 9 0.9 417 42.7

Notes:

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use rent-to-own agreements or refund anticipation loans in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-125 Use of AFS by Banking Status: New Mexico

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 816 100.0 94 100.0 193 100.0 494 100.0 NA NA

Any AFS

Has Ever Used 383 46.9 53 56.6 193 100.0 132 26.7 NA NA

Has Never Used 403 49.4 41 43.4 0 0.0 362 73.3 NA NA

Unknown 30 3.7 - - 0 0.0 0 0.0 NA NA

Non-Bank Money Order

Has Ever Used 309 37.9 39 41.5 162 84.1 103 20.9 NA NA

Has Never Used 485 59.5 55 58.5 31 15.9 391 79.1 NA NA

Unknown 21 2.6 - - - - 0 0.0 NA NA

Non-Bank Check Cashing

Has Ever Used 112 13.8 32 34.1 54 28.1 24 4.9 NA NA

Has Never Used 684 83.8 62 65.9 139 71.9 470 95.1 NA NA

Unknown 20 2.4 - - - - 0 0.0 NA NA

Non-Bank Remittances

Has Ever Used 40 4.9 4 4.2 25 12.8 11 2.3 NA NA

Has Never Used 742 91.0 90 95.8 165 85.8 483 97.7 NA NA

Unknown 34 4.1 - - 3 1.4 0 0.0 NA NA

Payday Lending

Has Ever Used 42 5.1 5 4.8 25 12.9 10 2.1 NA NA

Has Never Used 752 92.2 89 95.2 168 87.1 484 97.9 NA NA

Unknown 22 2.7 - - - - 0 0.0 NA NA

Pawn Shops

Has Ever Used 59 7.3 15 16.3 36 18.5 5 1.1 NA NA

Has Never Used 734 90.0 78 83.7 157 81.5 489 98.9 NA NA

Unknown 22 2.7 - - - - 0 0.0 NA NA

Rent-to-Own

Has Ever Used 34 4.2 2 2.5 23 12.1 7 1.4 NA NA

Has Never Used 759 93.1 91 97.5 169 87.9 487 98.6 NA NA

Unknown 22 2.7 - - - - 0 0.0 NA NA

Refund Anticipation Loans

Has Ever Used 33 4.0 6 6.0 21 10.8 6 1.3 NA NA

Has Never Used 761 93.3 88 94.0 172 89.2 488 98.7 NA NA

Unknown 22 2.7 - - - - 0 0.0 NA NA

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-126 Timing of AFS Use by Banking Status: New Mexico

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 816 100.0 94 100.0 193 100.0 494 100.0 NA NA

Any AFS

In Last 30 Days 135 16.5 43 45.4 92 47.9 0 0.0 NA NA

In Last 2-12 Months 106 13.0 6 5.9 100 52.1 0 0.0 NA NA

Not in the Last 12 Months 142 17.4 5 5.3 0 0.0 132 26.7 NA NA

Never Used 403 49.4 41 43.4 0 0.0 362 73.3 NA NA

Unknown 30 3.7 - - 0 0.0 0 0.0 NA NA

Non-Bank Money Order

In Last 30 Days 86 10.5 14 15.0 72 37.2 0 0.0 NA NA

In Last 2-12 Months 90 11.1 15 15.8 76 39.2 0 0.0 NA NA

Not in the Last 12 Months 133 16.3 10 10.7 15 7.7 103 20.9 NA NA

Never Used 485 59.5 55 58.5 31 15.9 391 79.1 NA NA

Unknown 21 2.6 - - - - - - NA NA

Non-Bank Check Cashing

In Last 30 Days 45 5.5 26 27.5 19 9.7 0 0.0 NA NA

In Last 2-12 Months 30 3.7 5 4.9 26 13.3 0 0.0 NA NA

Not in the Last 12 Months 38 4.6 2 1.8 10 5.0 24 4.9 NA NA

Never Used 684 83.8 62 65.9 139 71.9 470 95.1 NA NA

Unknown 20 2.4 - - - - - - NA NA

Non-Bank Remittances

In Last 30 Days 13 1.6 2 2.4 11 5.7 0 0.0 NA NA

In Last 2-12 Months 10 1.3 2 1.8 8 4.4 0 0.0 NA NA

Not in the Last 12 Months 16 2.0 - - 5 2.8 11 2.3 NA NA

Never Used 742 91.0 90 95.8 165 85.8 483 97.7 NA NA

Unknown 34 4.1 - - 3 1.4 - - NA NA

Payday Lending

In Last 30 Days 8 1.0 2 1.8 7 3.5 0 0.0 NA NA

In Last 2-12 Months 11 1.4 1 1.3 10 5.2 0 0.0 NA NA

Not in the Last 12 Months 22 2.7 2 1.8 8 4.2 10 2.1 NA NA

Never Used 752 92.2 89 95.2 168 87.1 484 97.9 NA NA

Unknown 22 2.7 - - - - - - NA NA
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-126 Timing of AFS Use by Banking Status: New Mexico

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Pawn Shops

In Last 30 Days 9 1.1 3 3.1 6 3.0 0 0.0 NA NA

In Last 2-12 Months 15 1.9 7 7.8 8 4.1 0 0.0 NA NA

Not in the Last 12 Months 36 4.4 5 5.4 22 11.4 5 1.1 NA NA

Never Used 734 90.0 78 83.7 157 81.5 489 98.9 NA NA

Unknown 22 2.7 - - - - - - NA NA

Rent-to-Owna

Used in last 12 months 8 1.0 - - 8 4.1 0 0.0 NA NA

Used but not in last 12 months 26 3.2 2 2.5 15 8.0 7 1.4 NA NA

Never Used 759 93.1 91 97.5 169 87.9 487 98.6 NA NA

Unknown 22 2.7 - - - - - - NA NA

Refund Anticipation Loansa

Used in last 12 months 11 1.3 3 3.1 8 4.1 0 0.0 NA NA

Used but not in last 12 months 22 2.7 3 3.0 13 6.8 6 1.3 NA NA

Never Used 761 93.3 88 94.0 172 89.2 488 98.7 NA NA

Unknown 22 2.7 - - - - - - NA NA

Notes:

Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are 

categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as 

having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. a Households were not asked whether they used these AFS products in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-127 Use of AFS by Household Characteristic: New Mexico

Household Characteristic

All Households

Use of AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used a 

Transaction AFS Ever Used a Credit AFS

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 816 100.0 383 46.9 403 49.4 30 3.7 368 45.1 114 14.0

Banking Status

Unbanked 94 11.5 53 56.6 41 43.4 - - 53 56.6 17 18.0

Underbanked 193 23.6 193 100.0 0 0.0 0 0.0 186 96.3 65 33.9

Fully Banked 494 60.6 132 26.7 362 73.3 0 0.0 124 25.2 27 5.5

Banked but Underbanked Status Unknown 35 4.3 NA NA NA NA NA NA NA NA NA NA

Household Type

Family household 515 63.1 241 46.8 258 50.1 16 3.1 226 44.0 72 14.0

Female householder, no husband present 121 14.8 76 63.2 42 34.6 3 2.1 69 57.0 18 14.6

Male householder, no wife present 57 7.0 NA NA NA NA NA NA NA NA NA NA

Married couple 337 41.3 128 38.1 195 57.9 13 4.0 124 36.7 34 10.1

Nonfamily household 298 36.5 139 46.6 145 48.6 14 4.8 139 46.6 39 13.2

Female householder 161 19.7 61 38.0 88 54.6 12 7.4 61 38.0 18 11.5

Male householder 137 16.9 78 56.7 57 41.6 2 1.6 78 56.7 21 15.2

Other 3 0.3 NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 31 3.8 NA NA NA NA NA NA NA NA NA NA

Hispanic non-Black 269 33.0 143 53.2 120 44.6 6 2.2 143 53.2 50 18.4

White non-Black non-Hispanic 425 52.1 170 40.1 231 54.2 24 5.7 156 36.6 51 12.0

Other non-Black non-Hispanic 91 11.1 51 56.7 39 43.3 - - 51 56.7 8 8.8

Age

15 to 34 years 190 23.3 106 55.6 77 40.5 7 3.8 106 55.6 29 15.4

35 to 44 years 144 17.7 66 46.1 69 47.7 9 6.2 58 40.5 40 27.7

45 to 54 years 127 15.6 64 50.1 63 49.9 - - 64 50.1 19 14.9

55 to 64 years 169 20.7 73 43.2 89 52.7 7 4.2 70 41.7 13 7.4

65 years or more 186 22.8 74 39.8 105 56.4 7 3.8 70 37.6 13 7.3

Education

No high school degree 95 11.6 50 52.4 45 47.6 - - 50 52.4 23 24.5

High school degree 202 24.8 99 48.9 99 49.0 4 2.1 91 45.2 33 16.4

Some college 270 33.1 149 55.1 114 42.2 7 2.7 143 53.1 45 16.7

College degree 249 30.5 85 34.3 145 58.1 19 7.5 84 33.7 13 5.1

Household Income

Less than $15,000 181 22.2 90 49.7 79 43.3 13 6.9 85 47.1 29 15.8

Between $15,000 and $30,000 180 22.1 99 54.9 79 43.8 2 1.3 99 54.9 36 20.0

Between $30,000 and $50,000 156 19.1 84 53.9 63 40.4 9 5.7 79 50.6 31 19.7

Between $50,000 and $75,000 124 15.2 57 45.7 64 51.4 4 2.9 57 45.7 8 6.7

At Least $75,000 174 21.4 53 30.3 119 68.1 3 1.7 48 27.6 11 6.1

Homeownership

Homeowner 550 67.4 220 39.9 306 55.7 24 4.3 213 38.8 48 8.8

Non-homeowner 266 32.6 163 61.3 96 36.3 6 2.4 155 58.3 66 24.8

Notes:

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund anticipation loans.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-128 Timing of AFS Use by Household Characteristic: New Mexico

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 Daysb In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Used AFS in the Last 

Year

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 816 100.0 135 16.5 106 13.0 142 17.4 403 49.4 30 3.7 241 29.5

Banking Status

Unbanked 94 11.5 43 45.4 6 5.9 5 5.3 41 43.4 - - 48 51.3

Underbanked 193 23.6 92 47.9 100 52.1 0 0.0 0 0.0 0 0.0 193 100.0

Fully Banked 494 60.6 0 0.0 0 0.0 132 26.7 362 73.3 0 0.0 0 0.0

Banked but Underbanked Status Unknown 35 4.3 0 0.0 0 0.0 NA NA 0 0.0 NA NA 0 0.0

Household Type

Family household 515 63.1 92 17.8 68 13.1 81 15.8 258 50.1 16 3.1 160 31.0

Female householder, no husband present 121 14.8 27 22.7 28 23.3 21 17.2 42 34.6 3 2.1 56 46.0

Male householder, no wife present 57 7.0 NA NA NA NA NA NA NA NA NA NA NA NA

Married couple 337 41.3 49 14.7 28 8.3 51 15.1 195 57.9 13 4.0 77 23.0

Nonfamily household 298 36.5 43 14.4 38 12.8 58 19.4 145 48.6 14 4.8 81 27.2

Female householder 161 19.7 18 11.3 15 9.4 28 17.3 88 54.6 12 7.4 33 20.7

Male householder 137 16.9 25 18.1 23 16.8 30 21.9 57 41.6 2 1.6 48 34.8

Other 3 0.3 NA NA NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 31 3.8 NA NA NA NA NA NA NA NA NA NA NA NA

Hispanic non-Black 269 33.0 58 21.4 37 13.6 49 18.2 120 44.6 6 2.2 94 35.0

White non-Black non-Hispanic 425 52.1 35 8.3 48 11.4 87 20.4 231 54.2 24 5.7 84 19.7

Other non-Black non-Hispanic 91 11.1 31 33.7 15 16.2 6 6.8 39 43.3 - - 45 49.9

Age

15 to 34 years 190 23.3 42 21.9 34 17.8 30 15.9 77 40.5 7 3.8 76 39.7

35 to 44 years 144 17.7 20 14.1 22 15.5 24 16.5 69 47.7 9 6.2 43 29.6

45 to 54 years 127 15.6 29 22.9 16 12.4 19 14.9 63 49.9 - - 45 35.2

55 to 64 years 169 20.7 21 12.3 24 14.1 28 16.7 89 52.7 7 4.2 45 26.4

65 years or more 186 22.8 23 12.4 10 5.4 41 22.0 105 56.4 7 3.8 33 17.8

Education

No high school degree 95 11.6 26 27.6 5 4.7 19 20.1 45 47.6 - - 31 32.3

High school degree 202 24.8 40 19.8 21 10.6 37 18.5 99 49.0 4 2.1 61 30.3

Some college 270 33.1 52 19.1 58 21.4 39 14.5 114 42.2 7 2.7 109 40.6

College degree 249 30.5 17 6.9 22 8.9 46 18.6 145 58.1 19 7.5 39 15.8

Household Income

Less than $15,000 181 22.2 42 23.3 23 12.6 25 13.9 79 43.3 13 6.9 65 35.9

Between $15,000 and $30,000 180 22.1 43 23.6 27 15.1 29 16.2 79 43.8 2 1.3 70 38.7

Between $30,000 and $50,000 156 19.1 20 12.6 22 13.8 43 27.5 63 40.4 9 5.7 41 26.4

Between $50,000 and $75,000 124 15.2 23 18.3 7 6.0 27 21.4 64 51.4 4 2.9 30 24.3

At Least $75,000 174 21.4 8 4.5 27 15.4 18 10.4 119 68.1 3 1.7 35 19.9

Homeownership

Homeowner 550 67.4 68 12.5 55 9.9 97 17.6 306 55.7 24 4.3 123 22.4

Non-homeowner 266 32.6 66 25.0 51 19.3 45 17.0 96 36.3 6 2.4 118 44.3

Notes:

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as 

having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 

months. The unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use 

rent-to-own agreements or refund anticipation loans in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-129 Use of AFS by Banking Status: New York

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 7,677 100.0 740 100.0 1,487 100.0 5,159 100.0 291 100.0

Any AFS

Has Ever Used 3,169 41.3 530 71.6 1,487 100.0 1,122 21.8 0 0.0

Has Never Used 4,213 54.9 177 23.9 0 0.0 4,037 78.2 0 0.0

Unknown 294 3.8 34 4.6 0 0.0 0 0.0 261 89.6

Non-Bank Money Order

Has Ever Used 2,586 33.7 422 57.1 1,253 84.3 887 17.2 23 7.8

Has Never Used 4,838 63.0 284 38.3 226 15.2 4,272 82.8 56 19.2

Unknown 254 3.3 34 4.6 7 0.5 0 0.0 212 73.0

Non-Bank Check Cashing

Has Ever Used 1,020 13.3 353 47.7 429 28.9 230 4.5 8 2.6

Has Never Used 6,461 84.2 357 48.2 1,044 70.2 4,929 95.5 131 44.9

Unknown 197 2.6 31 4.1 14 0.9 0 0.0 153 52.5

Non-Bank Remittances

Has Ever Used 608 7.9 120 16.2 410 27.5 79 1.5 - -

Has Never Used 6,799 88.6 573 77.5 1,061 71.4 5,080 98.5 84 28.9

Unknown 270 3.5 47 6.3 16 1.1 0 0.0 207 71.1

Payday Lending

Has Ever Used 45 0.6 8 1.1 23 1.5 14 0.3 - -

Has Never Used 7,367 96.0 683 92.3 1,443 97.0 5,145 99.7 96 33.0

Unknown 265 3.5 48 6.5 22 1.5 0 0.0 195 67.0

Pawn Shops

Has Ever Used 304 4.0 96 13.0 129 8.7 79 1.5 - -

Has Never Used 7,093 92.4 600 81.1 1,331 89.5 5,080 98.5 82 28.1

Unknown 279 3.6 44 5.9 27 1.8 0 0.0 209 71.9

Rent-to-Own

Has Ever Used 207 2.7 62 8.4 86 5.8 60 1.2 - -

Has Never Used 7,191 93.7 640 86.5 1,375 92.4 5,099 98.8 76 26.3

Unknown 279 3.6 38 5.1 27 1.8 0 0.0 214 73.7

Refund Anticipation Loans

Has Ever Used 210 2.7 52 7.0 113 7.6 45 0.9 - -

Has Never Used 7,180 93.5 644 87.1 1,353 91.0 5,114 99.1 69 23.9

Unknown 287 3.7 44 5.9 22 1.5 0 0.0 221 76.1

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

Table C-130 Timing of AFS Use by Banking Status: New York

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 7,677 100.0 740 100.0 1,487 100.0 5,159 100.0 291 100.0

Any AFS

In Last 30 Days 884 11.5 311 42.0 573 38.5 0 0.0 0 0.0

In Last 2-12 Months 1,068 13.9 154 20.8 914 61.5 0 0.0 0 0.0

Not in the Last 12 Months 1,217 15.9 65 8.7 0 0.0 1,122 21.8 30 10.4

Never Used 4,213 54.9 177 23.9 0 0.0 4,037 78.2 0 0.0

Unknown 294 3.8 34 4.6 0 0.0 0 0.0 261 89.6

Non-Bank Money Order

In Last 30 Days 605 7.9 207 28.0 398 26.7 0 0.0 - -

In Last 2-12 Months 906 11.8 158 21.3 749 50.3 0 0.0 - -

Not in the Last 12 Months 1,074 14.0 57 7.7 107 7.2 887 17.2 23 7.8

Never Used 4,838 63.0 284 38.3 226 15.2 4,272 82.8 56 19.2

Unknown 254 3.3 34 4.6 7 0.5 - - 212 73.0

Non-Bank Check Cashing

In Last 30 Days 274 3.6 158 21.4 116 7.8 0 0.0 - -

In Last 2-12 Months 286 3.7 105 14.2 181 12.2 0 0.0 - -

Not in the Last 12 Months 460 6.0 90 12.1 132 8.9 230 4.5 8 2.6

Never Used 6,461 84.2 357 48.2 1,044 70.2 4,929 95.5 131 44.9

Unknown 197 2.6 31 4.1 14 0.9 - - 153 52.5

Non-Bank Remittances

In Last 30 Days 167 2.2 38 5.1 129 8.7 0 0.0 - -

In Last 2-12 Months 265 3.4 60 8.1 205 13.8 0 0.0 - -

Not in the Last 12 Months 177 2.3 22 3.0 76 5.1 79 1.5 - -

Never Used 6,799 88.6 573 77.5 1,061 71.4 5,080 98.5 84 28.9

Unknown 270 3.5 47 6.3 16 1.1 - - 207 71.1

Payday Lending

In Last 2-12 Months 11 0.1 - - 11 0.7 0 0.0 - -

Not in the Last 12 Months 34 0.4 8 1.1 12 0.8 14 0.3 - -

Never Used 7,367 96.0 683 92.3 1,443 97.0 5,145 99.7 96 33.0

Unknown 265 3.5 48 6.5 22 1.5 - - 195 67.0
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-130 Timing of AFS Use by Banking Status: New York

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Pawn Shops

In Last 30 Days 20 0.3 8 1.0 13 0.9 0 0.0 - -

In Last 2-12 Months 61 0.8 20 2.7 41 2.8 0 0.0 - -

Not in the Last 12 Months 223 2.9 69 9.3 75 5.1 79 1.5 - -

Never Used 7,093 92.4 600 81.1 1,331 89.5 5,080 98.5 82 28.1

Unknown 279 3.6 44 5.9 27 1.8 - - 209 71.9

Rent-to-Owna

Used in last 12 months 85 1.1 44 6.0 41 2.7 0 0.0 - -

Used but not in last 12 months 123 1.6 18 2.5 45 3.0 60 1.2 - -

Never Used 7,191 93.7 640 86.5 1,375 92.4 5,099 98.8 76 26.3

Unknown 279 3.6 38 5.1 27 1.8 - - 214 73.7

Refund Anticipation Loansa

Used in last 12 months 45 0.6 20 2.8 24 1.6 0 0.0 - -

Used but not in last 12 months 165 2.2 32 4.3 89 6.0 45 0.9 - -

Never Used 7,180 93.5 644 87.1 1,353 91.0 5,114 99.1 69 23.9

Unknown 287 3.7 44 5.9 22 1.5 - - 221 76.1

Notes:

Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are 

categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as 

having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. a Households were not asked whether they used these AFS products in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

Table C-131 Use of AFS by Household Characteristic: New York

Household Characteristic

All Households

Use of AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used a 

Transaction AFS Ever Used a Credit AFS

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 7,677 100.0 3,169 41.3 4,213 54.9 294 3.8 3,057 39.8 615 8.0

Banking Status

Unbanked 740 9.6 530 71.6 177 23.9 34 4.6 514 69.4 174 23.4

Underbanked 1,487 19.4 1,487 100.0 0 0.0 0 0.0 1,469 98.8 273 18.4

Fully Banked 5,159 67.2 1,122 21.8 4,037 78.2 0 0.0 1,043 20.2 169 3.3

Banked but Underbanked Status Unknown 291 3.8 30 10.4 - - 261 89.6 30 10.4 - -

Household Type

Family household 4,766 62.1 2,059 43.2 2,557 53.6 151 3.2 1,980 41.5 417 8.7

Female householder, no husband present 1,087 14.2 620 57.1 417 38.4 50 4.6 603 55.5 148 13.6

Male householder, no wife present 353 4.6 195 55.4 150 42.5 7 2.1 187 53.0 43 12.3

Married couple 3,326 43.3 1,243 37.4 1,989 59.8 94 2.8 1,189 35.8 225 6.8

Nonfamily household 2,907 37.9 1,111 38.2 1,653 56.9 143 4.9 1,077 37.0 199 6.8

Female householder 1,526 19.9 536 35.1 893 58.5 98 6.4 509 33.3 105 6.9

Male householder 1,380 18.0 575 41.7 760 55.1 45 3.3 568 41.1 94 6.8

Other 4 0.1 NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 1,360 17.7 881 64.7 430 31.6 49 3.6 861 63.3 235 17.2

Hispanic non-Black 920 12.0 482 52.4 412 44.8 25 2.8 468 50.9 49 5.3

White non-Black non-Hispanic 4,841 63.1 1,630 33.7 3,035 62.7 175 3.6 1,551 32.0 326 6.7

Other non-Black non-Hispanic 557 7.2 176 31.7 336 60.4 44 7.9 176 31.7 6 1.1

Age

15 to 34 years 1,532 20.0 690 45.1 782 51.1 59 3.9 664 43.4 140 9.1

35 to 44 years 1,447 18.9 668 46.1 736 50.8 44 3.1 640 44.2 156 10.8

45 to 54 years 1,579 20.6 664 42.1 851 53.9 64 4.1 641 40.6 163 10.3

55 to 64 years 1,463 19.1 677 46.3 736 50.3 50 3.4 660 45.1 122 8.4

65 years or more 1,655 21.6 471 28.4 1,109 67.0 76 4.6 452 27.3 35 2.1

Education

No high school degree 979 12.8 476 48.6 428 43.7 75 7.7 469 47.9 96 9.8

High school degree 2,296 29.9 961 41.8 1,243 54.1 93 4.0 910 39.7 226 9.8

Some college 1,716 22.4 831 48.4 857 49.9 29 1.7 801 46.7 192 11.2

College degree 2,686 35.0 902 33.6 1,686 62.8 98 3.6 876 32.6 103 3.8

Household Income

Less than $15,000 1,242 16.2 611 49.2 573 46.1 58 4.7 590 47.5 147 11.8

Between $15,000 and $30,000 1,281 16.7 549 42.9 676 52.8 55 4.3 530 41.4 141 11.0

Between $30,000 and $50,000 1,513 19.7 655 43.3 782 51.7 76 5.0 623 41.2 139 9.2

Between $50,000 and $75,000 1,226 16.0 472 38.5 724 59.0 30 2.4 457 37.2 80 6.5

At Least $75,000 2,414 31.4 881 36.5 1,458 60.4 75 3.1 856 35.5 108 4.5

Homeownership

Homeowner 4,106 53.5 1,463 35.6 2,503 61.0 141 3.4 1,398 34.0 205 5.0

Non-homeowner 3,570 46.5 1,706 47.8 1,710 47.9 154 4.3 1,659 46.5 410 11.5

Notes:

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund 

anticipation loans.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-132 Timing of AFS Use by Household Characteristic: New York

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 Daysb In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Used AFS in the Last 

Year

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 7,677 100.0 884 11.5 1,068 13.9 1,217 15.9 4,213 54.9 294 3.8 1,952 25.4

Banking Status

Unbanked 740 9.6 311 42.0 154 20.8 65 8.7 177 23.9 34 4.6 465 62.8

Underbanked 1,487 19.4 573 38.5 914 61.5 0 0.0 0 0.0 0 0.0 1,487 100.0

Fully Banked 5,159 67.2 0 0.0 0 0.0 1,122 21.8 4,037 78.2 0 0.0 0 0.0

Banked but Underbanked Status Unknown 291 3.8 0 0.0 0 0.0 30 10.4 0 0.0 261 89.6 0 0.0

Household Type

Family household 4,766 62.1 602 12.6 711 14.9 746 15.6 2,557 53.6 151 3.2 1,313 27.5

Female householder, no husband present 1,087 14.2 281 25.9 194 17.8 145 13.4 417 38.4 50 4.6 475 43.7

Male householder, no wife present 353 4.6 77 21.9 81 23.1 37 10.4 150 42.5 7 2.1 159 45.0

Married couple 3,326 43.3 243 7.3 436 13.1 564 16.9 1,989 59.8 94 2.8 679 20.4

Nonfamily household 2,907 37.9 282 9.7 357 12.3 471 16.2 1,653 56.9 143 4.9 639 22.0

Female householder 1,526 19.9 147 9.6 165 10.8 224 14.7 893 58.5 98 6.4 312 20.4

Male householder 1,380 18.0 135 9.8 192 13.9 247 17.9 760 55.1 45 3.3 328 23.7

Other 4 0.1 NA NA NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 1,360 17.7 383 28.1 304 22.3 194 14.3 430 31.6 49 3.6 687 50.5

Hispanic non-Black 920 12.0 222 24.2 167 18.1 93 10.1 412 44.8 25 2.8 389 42.3

White non-Black non-Hispanic 4,841 63.1 249 5.1 499 10.3 882 18.2 3,035 62.7 175 3.6 748 15.5

Other non-Black non-Hispanic 557 7.2 30 5.5 98 17.6 48 8.6 336 60.4 44 7.9 129 23.1

Age

15 to 34 years 1,532 20.0 186 12.1 252 16.5 252 16.5 782 51.1 59 3.9 438 28.6

35 to 44 years 1,447 18.9 225 15.5 194 13.4 249 17.2 736 50.8 44 3.1 419 28.9

45 to 54 years 1,579 20.6 210 13.3 252 16.0 202 12.8 851 53.9 64 4.1 462 29.3

55 to 64 years 1,463 19.1 175 11.9 227 15.5 275 18.8 736 50.3 50 3.4 402 27.5

65 years or more 1,655 21.6 89 5.4 142 8.6 240 14.5 1,109 67.0 76 4.6 231 13.9

Education

No high school degree 979 12.8 233 23.8 135 13.8 108 11.0 428 43.7 75 7.7 368 37.6

High school degree 2,296 29.9 286 12.5 360 15.7 315 13.7 1,243 54.1 93 4.0 646 28.1

Some college 1,716 22.4 205 11.9 273 15.9 353 20.6 857 49.9 29 1.7 478 27.8

College degree 2,686 35.0 160 6.0 300 11.2 442 16.4 1,686 62.8 98 3.6 460 17.1

Household Income

Less than $15,000 1,242 16.2 261 21.0 222 17.9 128 10.3 573 46.1 58 4.7 484 38.9

Between $15,000 and $30,000 1,281 16.7 170 13.3 196 15.3 183 14.3 676 52.8 55 4.3 367 28.6

Between $30,000 and $50,000 1,513 19.7 226 14.9 198 13.1 232 15.3 782 51.7 76 5.0 423 28.0

Between $50,000 and $75,000 1,226 16.0 115 9.4 127 10.3 231 18.8 724 59.0 30 2.4 241 19.7

At Least $75,000 2,414 31.4 112 4.6 326 13.5 444 18.4 1,458 60.4 75 3.1 437 18.1

Homeownership

Homeowner 4,106 53.5 217 5.3 482 11.7 765 18.6 2,503 61.0 141 3.4 698 17.0

Non-homeowner 3,570 46.5 667 18.7 587 16.4 452 12.7 1,710 47.9 154 4.3 1,254 35.1

Notes:

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as 

having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 

months. The unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use 

rent-to-own agreements or refund anticipation loans in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-133 Use of AFS by Banking Status: North Carolina

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 3,878 100.0 359 100.0 840 100.0 2,579 100.0 NA NA

Any AFS

Has Ever Used 1,634 42.1 251 69.9 840 100.0 538 20.9 NA NA

Has Never Used 2,134 55.0 93 26.0 0 0.0 2,041 79.1 NA NA

Unknown 111 2.9 15 4.1 0 0.0 0 0.0 NA NA

Non-Bank Money Order

Has Ever Used 1,286 33.1 203 56.5 681 81.0 397 15.4 NA NA

Has Never Used 2,510 64.7 145 40.2 159 19.0 2,181 84.6 NA NA

Unknown 83 2.1 12 3.3 - - 0 0.0 NA NA

Non-Bank Check Cashing

Has Ever Used 544 14.0 168 46.9 285 33.9 91 3.5 NA NA

Has Never Used 3,259 84.0 180 50.1 555 66.1 2,488 96.5 NA NA

Unknown 76 2.0 11 3.1 - - 0 0.0 NA NA

Non-Bank Remittances

Has Ever Used 181 4.7 56 15.6 118 14.0 8 0.3 NA NA

Has Never Used 3,621 93.4 296 82.3 723 86.0 2,571 99.7 NA NA

Unknown 76 2.0 7 2.0 - - 0 0.0 NA NA

Payday Lending

Has Ever Used 109 2.8 8 2.3 76 9.0 25 1.0 NA NA

Has Never Used 3,686 95.0 340 94.5 760 90.5 2,554 99.0 NA NA

Unknown 84 2.2 12 3.3 4 0.5 0 0.0 NA NA

Pawn Shops

Has Ever Used 326 8.4 62 17.3 180 21.5 84 3.2 NA NA

Has Never Used 3,451 89.0 271 75.3 660 78.5 2,495 96.8 NA NA

Unknown 101 2.6 27 7.4 - - 0 0.0 NA NA

Rent-to-Own

Has Ever Used 141 3.6 7 2.1 113 13.4 21 0.8 NA NA

Has Never Used 3,634 93.7 328 91.3 727 86.6 2,558 99.2 NA NA

Unknown 104 2.7 24 6.7 - - 0 0.0 NA NA

Refund Anticipation Loans

Has Ever Used 191 4.9 27 7.5 109 12.9 56 2.2 NA NA

Has Never Used 3,593 92.6 313 87.1 731 87.1 2,523 97.8 NA NA

Unknown 94 2.4 19 5.4 - - 0 0.0 NA NA

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-134 Timing of AFS Use by Banking Status: North Carolina

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 3,878 100.0 359 100.0 840 100.0 2,579 100.0 NA NA

Any AFS

In Last 30 Days 456 11.8 149 41.4 307 36.6 0 0.0 NA NA

In Last 2-12 Months 597 15.4 64 17.8 533 63.4 0 0.0 NA NA

Not in the Last 12 Months 581 15.0 39 10.7 0 0.0 538 20.9 NA NA

Never Used 2,134 55.0 93 26.0 0 0.0 2,041 79.1 NA NA

Unknown 111 2.9 15 4.1 0 0.0 0 0.0 NA NA

Non-Bank Money Order

In Last 30 Days 324 8.4 101 28.2 222 26.5 0 0.0 NA NA

In Last 2-12 Months 469 12.1 62 17.2 408 48.5 0 0.0 NA NA

Not in the Last 12 Months 492 12.7 40 11.1 51 6.0 397 15.4 NA NA

Never Used 2,510 64.7 145 40.2 159 19.0 2,181 84.6 NA NA

Unknown 83 2.1 12 3.3 - - - - NA NA

Non-Bank Check Cashing

In Last 30 Days 124 3.2 75 20.9 49 5.8 0 0.0 NA NA

In Last 2-12 Months 259 6.7 74 20.5 186 22.1 0 0.0 NA NA

Not in the Last 12 Months 161 4.1 20 5.4 50 6.0 91 3.5 NA NA

Never Used 3,259 84.0 180 50.1 555 66.1 2,488 96.5 NA NA

Unknown 76 2.0 11 3.1 - - - - NA NA

Non-Bank Remittances

In Last 30 Days 53 1.4 13 3.6 40 4.7 0 0.0 NA NA

In Last 2-12 Months 78 2.0 22 6.2 55 6.6 0 0.0 NA NA

Not in the Last 12 Months 51 1.3 21 5.8 23 2.7 8 0.3 NA NA

Never Used 3,621 93.4 296 82.3 723 86.0 2,571 99.7 NA NA

Unknown 76 2.0 7 2.0 - - - - NA NA

Payday Lending

In Last 30 Days 8 0.2 - - 8 1.0 0 0.0 NA NA

In Last 2-12 Months 11 0.3 - - 11 1.4 0 0.0 NA NA

Not in the Last 12 Months 89 2.3 8 2.3 56 6.7 25 1.0 NA NA

Never Used 3,686 95.0 340 94.5 760 90.5 2,554 99.0 NA NA

Unknown 84 2.2 12 3.3 4 0.5 - - NA NA
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-134 Timing of AFS Use by Banking Status: North Carolina

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Pawn Shops

In Last 30 Days 39 1.0 15 4.0 25 2.9 0 0.0 NA NA

In Last 2-12 Months 100 2.6 22 6.1 78 9.3 0 0.0 NA NA

Not in the Last 12 Months 187 4.8 26 7.2 78 9.3 84 3.2 NA NA

Never Used 3,451 89.0 271 75.3 660 78.5 2,495 96.8 NA NA

Unknown 101 2.6 27 7.4 - - - - NA NA

Rent-to-Owna

Used in last 12 months 55 1.4 4 1.1 51 6.0 0 0.0 NA NA

Used but not in last 12 months 86 2.2 4 1.0 62 7.4 21 0.8 NA NA

Never Used 3,634 93.7 328 91.3 727 86.6 2,558 99.2 NA NA

Unknown 104 2.7 24 6.7 - - - - NA NA

Refund Anticipation Loansa

Used in last 12 months 49 1.3 5 1.4 44 5.3 0 0.0 NA NA

Used but not in last 12 months 142 3.7 22 6.2 64 7.6 56 2.2 NA NA

Never Used 3,593 92.6 313 87.1 731 87.1 2,523 97.8 NA NA

Unknown 94 2.4 19 5.4 - - - - NA NA

Notes:

Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are 

categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as 

having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. a Households were not asked whether they used these AFS products in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-135 Use of AFS by Household Characteristic: North Carolina

Household Characteristic

All Households

Use of AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used a 

Transaction AFS Ever Used a Credit AFS

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 3,878 100.0 1,634 42.1 2,134 55.0 111 2.9 1,495 38.5 570 14.7

Banking Status

Unbanked 359 9.3 251 69.9 93 26.0 15 4.1 244 67.8 74 20.6

Underbanked 840 21.7 840 100.0 0 0.0 0 0.0 801 95.3 331 39.3

Fully Banked 2,579 66.5 538 20.9 2,041 79.1 0 0.0 447 17.3 166 6.4

Banked but Underbanked Status Unknown 100 2.6 NA NA NA NA NA NA NA NA NA NA

Household Type

Family household 2,600 67.0 1,115 42.9 1,405 54.1 79 3.0 1,008 38.8 414 15.9

Female householder, no husband present 529 13.6 308 58.3 214 40.4 7 1.3 304 57.4 127 24.1

Male householder, no wife present 152 3.9 101 66.3 47 30.9 4 2.8 94 61.5 38 25.0

Married couple 1,918 49.5 706 36.8 1,145 59.7 68 3.5 610 31.8 248 12.9

Nonfamily household 1,271 32.8 514 40.5 725 57.0 32 2.5 483 38.0 157 12.3

Female householder 687 17.7 258 37.5 413 60.1 17 2.4 238 34.6 80 11.7

Male householder 584 15.1 257 44.0 312 53.4 15 2.6 245 42.0 77 13.1

Other 8 0.2 NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 886 22.8 496 56.0 351 39.6 39 4.4 449 50.7 215 24.3

Hispanic non-Black 181 4.7 128 70.4 54 29.6 - - 123 67.8 34 18.6

White non-Black non-Hispanic 2,670 68.8 949 35.6 1,651 61.8 69 2.6 866 32.4 306 11.5

Other non-Black non-Hispanic 141 3.6 61 42.9 78 55.4 2 1.7 56 39.9 16 11.0

Age

15 to 34 years 943 24.3 512 54.3 410 43.5 21 2.2 462 49.0 187 19.8

35 to 44 years 657 16.9 317 48.2 333 50.6 7 1.1 275 41.9 136 20.7

45 to 54 years 796 20.5 347 43.7 418 52.5 30 3.8 313 39.3 139 17.5

55 to 64 years 703 18.1 240 34.1 445 63.4 18 2.5 235 33.5 72 10.3

65 years or more 780 20.1 218 27.9 528 67.7 34 4.4 210 26.9 36 4.6

Education

No high school degree 468 12.1 268 57.2 180 38.4 21 4.5 251 53.6 100 21.3

High school degree 1,092 28.2 526 48.2 517 47.4 49 4.5 477 43.7 204 18.6

Some college 1,115 28.7 507 45.4 592 53.1 16 1.4 457 41.0 191 17.2

College degree 1,203 31.0 333 27.7 845 70.2 25 2.1 310 25.7 76 6.3

Household Income

Less than $15,000 729 18.8 428 58.8 282 38.7 18 2.5 404 55.4 180 24.7

Between $15,000 and $30,000 801 20.7 401 50.1 362 45.2 37 4.7 365 45.6 153 19.1

Between $30,000 and $50,000 847 21.8 322 38.0 507 59.9 18 2.1 292 34.5 103 12.2

Between $50,000 and $75,000 615 15.9 245 39.8 354 57.5 17 2.7 225 36.6 71 11.5

At Least $75,000 887 22.9 238 26.8 629 70.9 20 2.3 209 23.6 63 7.1

Homeownership

Homeowner 2,654 68.4 892 33.6 1,668 62.8 95 3.6 811 30.5 265 10.0

Non-homeowner 1,224 31.6 742 60.6 466 38.1 16 1.3 684 55.9 305 25.0

Notes:

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund anticipation loans.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-136 Timing of AFS Use by Household Characteristic: North Carolina

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 Daysb In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Used AFS in the Last 

Year

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 3,878 100.0 456 11.8 597 15.4 581 15.0 2,134 55.0 111 2.9 1,053 27.1

Banking Status

Unbanked 359 9.3 149 41.4 64 17.8 39 10.7 93 26.0 15 4.1 213 59.2

Underbanked 840 21.7 307 36.6 533 63.4 0 0.0 0 0.0 0 0.0 840 100.0

Fully Banked 2,579 66.5 0 0.0 0 0.0 538 20.9 2,041 79.1 0 0.0 0 0.0

Banked but Underbanked Status Unknown 100 2.6 0 0.0 0 0.0 NA NA 0 0.0 NA NA 0 0.0

Household Type

Family household 2,600 67.0 322 12.4 407 15.7 386 14.9 1,405 54.1 79 3.0 729 28.0

Female householder, no husband present 529 13.6 123 23.2 116 22.0 69 13.1 214 40.4 7 1.3 239 45.2

Male householder, no wife present 152 3.9 41 26.7 38 24.9 22 14.6 47 30.9 4 2.8 79 51.6

Married couple 1,918 49.5 158 8.2 253 13.2 295 15.4 1,145 59.7 68 3.5 411 21.4

Nonfamily household 1,271 32.8 135 10.6 185 14.6 195 15.3 725 57.0 32 2.5 320 25.2

Female householder 687 17.7 60 8.8 106 15.5 91 13.3 413 60.1 17 2.4 167 24.3

Male householder 584 15.1 74 12.7 79 13.5 104 17.7 312 53.4 15 2.6 153 26.2

Other 8 0.2 NA NA NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 886 22.8 180 20.3 196 22.1 121 13.6 351 39.6 39 4.4 376 42.4

Hispanic non-Black 181 4.7 60 33.1 59 32.8 8 4.5 54 29.6 - - 119 65.9

White non-Black non-Hispanic 2,670 68.8 186 7.0 330 12.4 432 16.2 1,651 61.8 69 2.6 517 19.4

Other non-Black non-Hispanic 141 3.6 30 21.0 11 7.9 20 14.0 78 55.4 2 1.7 41 28.9

Age

15 to 34 years 943 24.3 201 21.4 184 19.5 126 13.4 410 43.5 21 2.2 385 40.9

35 to 44 years 657 16.9 72 11.0 120 18.2 125 19.0 333 50.6 7 1.1 192 29.2

45 to 54 years 796 20.5 85 10.6 128 16.1 134 16.9 418 52.5 30 3.8 213 26.8

55 to 64 years 703 18.1 63 9.0 95 13.5 82 11.7 445 63.4 18 2.5 158 22.5

65 years or more 780 20.1 35 4.5 70 8.9 113 14.5 528 67.7 34 4.4 105 13.4

Education

No high school degree 468 12.1 107 22.8 105 22.4 56 12.0 180 38.4 21 4.5 212 45.2

High school degree 1,092 28.2 158 14.5 183 16.8 185 16.9 517 47.4 49 4.5 341 31.3

Some college 1,115 28.7 129 11.5 185 16.6 193 17.3 592 53.1 16 1.4 313 28.1

College degree 1,203 31.0 63 5.2 124 10.3 147 12.2 845 70.2 25 2.1 186 15.5

Household Income

Less than $15,000 729 18.8 154 21.2 153 21.1 120 16.5 282 38.7 18 2.5 308 42.2

Between $15,000 and $30,000 801 20.7 137 17.1 136 17.0 129 16.1 362 45.2 37 4.7 272 34.0

Between $30,000 and $50,000 847 21.8 87 10.3 116 13.7 119 14.1 507 59.9 18 2.1 203 23.9

Between $50,000 and $75,000 615 15.9 59 9.7 105 17.0 81 13.1 354 57.5 17 2.7 164 26.7

At Least $75,000 887 22.9 19 2.1 87 9.8 132 14.8 629 70.9 20 2.3 106 11.9

Homeownership

Homeowner 2,654 68.4 169 6.4 306 11.5 417 15.7 1,668 62.8 95 3.6 475 17.9

Non-homeowner 1,224 31.6 287 23.5 291 23.7 164 13.4 466 38.1 16 1.3 578 47.2

Notes:

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as 

having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 

months. The unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use 

rent-to-own agreements or refund anticipation loans in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-137 Use of AFS by Banking Status: North Dakota

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 283 100.0 NA NA 51 100.0 210 100.0 NA NA

Any AFS

Has Ever Used 103 36.4 NA NA 51 100.0 41 19.5 NA NA

Has Never Used 175 61.8 NA NA 0 0.0 169 80.5 NA NA

Unknown 5 1.8 NA NA 0 0.0 0 0.0 NA NA

Non-Bank Money Order

Has Ever Used 70 24.6 NA NA 36 70.2 26 12.5 NA NA

Has Never Used 209 73.9 NA NA 15 29.0 184 87.5 NA NA

Unknown 4 1.5 NA NA - - 0 0.0 NA NA

Non-Bank Check Cashing

Has Ever Used 44 15.6 NA NA 23 45.9 14 6.4 NA NA

Has Never Used 236 83.3 NA NA 28 54.1 197 93.6 NA NA

Unknown 3 1.1 NA NA - - 0 0.0 NA NA

Non-Bank Remittances

Has Ever Used 5 1.7 NA NA 3 6.3 1 0.7 NA NA

Has Never Used 275 97.3 NA NA 48 93.7 209 99.3 NA NA

Unknown 3 1.0 NA NA - - 0 0.0 NA NA

Payday Lending

Has Ever Used 13 4.5 NA NA 8 15.0 4 2.1 NA NA

Has Never Used 266 94.1 NA NA 43 85.0 206 97.9 NA NA

Unknown 4 1.4 NA NA - - 0 0.0 NA NA

Pawn Shops

Has Ever Used 19 6.8 NA NA 9 17.4 6 3.0 NA NA

Has Never Used 259 91.6 NA NA 42 82.6 204 97.0 NA NA

Unknown 4 1.6 NA NA - - 0 0.0 NA NA

Rent-to-Own

Has Ever Used 8 2.8 NA NA 4 7.8 4 1.9 NA NA

Has Never Used 270 95.5 NA NA 47 92.2 206 98.1 NA NA

Unknown 5 1.7 NA NA - - 0 0.0 NA NA

Refund Anticipation Loans

Has Ever Used 7 2.6 NA NA 4 8.4 2 0.9 NA NA

Has Never Used 271 95.9 NA NA 47 91.6 209 99.1 NA NA

Unknown 4 1.5 NA NA - - 0 0.0 NA NA

Notes: 

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated 

that the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-138 Timing of AFS Use by Banking Status: North Dakota

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 283 100.0 NA NA 51 100.0 210 100.0 NA NA

Any AFS

In Last 30 Days 26 9.1 NA NA 20 39.2 0 0.0 NA NA

In Last 2-12 Months 33 11.8 NA NA 31 60.8 0 0.0 NA NA

Not in the Last 12 Months 44 15.5 NA NA 0 0.0 41 19.5 NA NA

Never Used 175 61.8 NA NA 0 0.0 169 80.5 NA NA

Unknown 5 1.8 NA NA 0 0.0 0 0.0 NA NA

Non-Bank Money Order

In Last 30 Days 16 5.8 NA NA 13 24.7 0 0.0 NA NA

In Last 2-12 Months 21 7.3 NA NA 18 35.2 0 0.0 NA NA

Not in the Last 12 Months 33 11.5 NA NA 5 10.3 26 12.5 NA NA

Never Used 209 73.9 NA NA 15 29.0 184 87.5 NA NA

Unknown 4 1.5 NA NA - - - - NA NA

Non-Bank Check Cashing

In Last 30 Days 7 2.4 NA NA 5 9.7 0 0.0 NA NA

In Last 2-12 Months 15 5.3 NA NA 13 25.0 0 0.0 NA NA

Not in the Last 12 Months 22 7.9 NA NA 6 11.3 14 6.4 NA NA

Never Used 236 83.3 NA NA 28 54.1 197 93.6 NA NA

Unknown 3 1.1 NA NA - - - - NA NA

Non-Bank Remittances

In Last 30 Days 1 0.5 NA NA 1 2.8 0 0.0 NA NA

In Last 2-12 Months 1 0.3 NA NA 1 1.7 0 0.0 NA NA

Not in the Last 12 Months 2 0.9 NA NA 1 1.9 1 0.7 NA NA

Never Used 275 97.3 NA NA 48 93.7 209 99.3 NA NA

Unknown 3 1.0 NA NA - - - - NA NA

Payday Lending

In Last 30 Days 2 0.9 NA NA 2 4.8 0 0.0 NA NA

In Last 2-12 Months 5 1.7 NA NA 4 8.5 0 0.0 NA NA

Not in the Last 12 Months 5 1.9 NA NA 1 1.7 4 2.1 NA NA

Never Used 266 94.1 NA NA 43 85.0 206 97.9 NA NA

Unknown 4 1.4 NA NA - - - - NA NA
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-138 Timing of AFS Use by Banking Status: North Dakota

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Pawn Shops

In Last 30 Days 1 0.4 NA NA 1 2.1 0 0.0 NA NA

In Last 2-12 Months 6 2.1 NA NA 5 9.3 0 0.0 NA NA

Not in the Last 12 Months 12 4.3 NA NA 3 6.0 6 3.0 NA NA

Never Used 259 91.6 NA NA 42 82.6 204 97.0 NA NA

Unknown 4 1.6 NA NA - - - - NA NA

Rent-to-Owna

Used in last 12 months 3 1.1 NA NA 3 5.9 0 0.0 NA NA

Used but not in last 12 months 5 1.8 NA NA 1 1.9 4 1.9 NA NA

Never Used 270 95.5 NA NA 47 92.2 206 98.1 NA NA

Unknown 5 1.7 NA NA - - - - NA NA

Refund Anticipation Loansa

Used in last 12 months 2 0.6 NA NA 2 3.4 0 0.0 NA NA

Used but not in last 12 months 6 2.0 NA NA 3 5.0 2 0.9 NA NA

Never Used 271 95.9 NA NA 47 91.6 209 99.1 NA NA

Unknown 4 1.5 NA NA - - - - NA NA

Notes:

Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are 

categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as 

having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. a Households were not asked whether they used these AFS products in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-139 Use of AFS by Household Characteristic: North Dakota

Household Characteristic

All Households

Use of AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used a 

Transaction AFS Ever Used a Credit AFS

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 283 100.0 103 36.4 175 61.8 5 1.8 91 32.3 36 12.9

Banking Status

Unbanked 15 5.3 NA NA NA NA NA NA NA NA NA NA

Underbanked 51 18.0 51 100.0 0 0.0 0 0.0 48 93.2 19 36.9

Fully Banked 210 74.4 41 19.5 169 80.5 0 0.0 34 16.1 12 5.9

Banked but Underbanked Status Unknown 6 2.3 NA NA NA NA NA NA NA NA NA NA

Household Type

Family household 176 62.4 64 36.5 110 62.6 2 1.0 57 32.4 21 11.7

Female householder, no husband present 23 8.0 15 66.9 7 31.1 - - 14 61.2 5 24.3

Male householder, no wife present 12 4.3 NA NA NA NA NA NA NA NA NA NA

Married couple 142 50.1 44 31.3 96 67.8 1 0.9 39 27.8 11 7.8

Nonfamily household 105 37.2 38 36.3 63 60.3 4 3.4 34 32.3 15 14.7

Female householder 49 17.3 15 31.5 32 65.9 1 2.6 13 27.2 5 10.5

Male householder 56 19.9 23 40.5 31 55.5 2 4.0 21 36.7 10 18.3

Other 1 0.5 NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 4 1.6 NA NA NA NA NA NA NA NA NA NA

Hispanic non-Black 2 0.7 NA NA NA NA NA NA NA NA NA NA

White non-Black non-Hispanic 250 88.5 83 33.3 162 64.8 5 1.9 76 30.2 25 10.1

Other non-Black non-Hispanic 26 9.2 16 61.4 10 37.2 - - 12 47.2 9 35.0

Age

15 to 34 years 75 26.4 27 36.6 47 62.5 1 0.9 23 30.5 14 18.2

35 to 44 years 47 16.8 19 40.0 28 59.0 - - 18 36.9 9 18.9

45 to 54 years 52 18.5 23 43.4 28 54.2 1 2.4 18 35.0 11 20.3

55 to 64 years 49 17.2 16 33.2 32 65.9 - - 15 30.9 3 5.9

65 years or more 60 21.1 18 29.7 40 66.4 2 4.0 18 29.7 - -

Education

No high school degree 28 9.8 9 34.0 17 60.4 2 5.6 9 33.1 4 15.5

High school degree 82 29.2 33 40.3 49 59.3 - - 31 37.8 12 15.1

Some college 85 30.0 37 43.2 47 55.0 2 1.8 31 36.1 14 16.5

College degree 88 31.1 24 26.8 62 71.1 2 2.1 20 23.3 6 6.5

Household Income

Less than $15,000 45 15.9 18 40.7 25 54.9 2 4.4 17 36.8 9 19.1

Between $15,000 and $30,000 54 19.2 22 41.2 31 57.3 1 1.5 20 37.1 10 19.2

Between $30,000 and $50,000 60 21.2 22 36.4 37 61.0 2 2.6 18 30.7 9 14.3

Between $50,000 and $75,000 53 18.8 19 36.6 33 62.6 - - 17 32.4 5 9.2

At Least $75,000 70 24.9 21 29.8 49 69.7 - - 19 27.1 4 5.6

Homeownership

Homeowner 197 69.5 66 33.6 127 64.5 4 1.9 59 29.9 19 9.6

Non-homeowner 86 30.5 37 42.8 48 55.5 1 1.7 33 37.9 18 20.3

Notes:

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund anticipation loans.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-140 Timing of AFS Use by Household Characteristic: North Dakota

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 Daysb In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Used AFS in the Last 

Year

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 283 100.0 26 9.1 33 11.8 44 15.5 175 61.8 5 1.8 59 20.9

Banking Status

Unbanked 15 5.3 NA NA NA NA NA NA NA NA NA NA NA NA

Underbanked 51 18.0 20 39.2 31 60.8 0 0.0 0 0.0 0 0.0 51 100.0

Fully Banked 210 74.4 0 0.0 0 0.0 41 19.5 169 80.5 0 0.0 0 0.0

Banked but Underbanked Status Unknown 6 2.3 0 0.0 0 0.0 NA NA 0 0.0 NA NA 0 0.0

Household Type

Family household 176 62.4 14 8.1 22 12.6 28 15.8 110 62.6 2 1.0 37 20.7

Female householder, no husband present 23 8.0 7 30.6 3 13.3 5 23.0 7 31.1 - - 10 43.9

Male householder, no wife present 12 4.3 NA NA NA NA NA NA NA NA NA NA NA NA

Married couple 142 50.1 5 3.9 18 12.4 21 15.0 96 67.8 1 0.9 23 16.3

Nonfamily household 105 37.2 11 10.8 11 10.3 16 15.2 63 60.3 4 3.4 22 21.1

Female householder 49 17.3 5 10.6 6 11.3 5 9.5 32 65.9 1 2.6 11 22.0

Male householder 56 19.9 6 11.0 5 9.3 11 20.2 31 55.5 2 4.0 11 20.3

Other 1 0.5 NA NA NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 4 1.6 NA NA NA NA NA NA NA NA NA NA NA NA

Hispanic non-Black 2 0.7 NA NA NA NA NA NA NA NA NA NA NA NA

White non-Black non-Hispanic 250 88.5 18 7.1 27 11.0 38 15.2 162 64.8 5 1.9 45 18.1

Other non-Black non-Hispanic 26 9.2 6 22.3 6 23.1 4 15.9 10 37.2 - - 12 45.4

Age

15 to 34 years 75 26.4 9 11.9 9 11.4 10 13.3 47 62.5 1 0.9 17 23.3

35 to 44 years 47 16.8 6 13.3 7 13.9 6 12.8 28 59.0 - - 13 27.2

45 to 54 years 52 18.5 4 7.8 8 15.0 11 20.7 28 54.2 1 2.4 12 22.8

55 to 64 years 49 17.2 3 6.1 6 11.7 7 15.4 32 65.9 - - 9 17.9

65 years or more 60 21.1 3 5.7 5 8.0 10 16.0 40 66.4 2 4.0 8 13.7

Education

No high school degree 28 9.8 6 20.5 2 6.5 2 7.0 17 60.4 2 5.6 8 27.0

High school degree 82 29.2 10 12.1 11 13.9 12 14.3 49 59.3 - - 21 26.0

Some college 85 30.0 8 9.6 11 13.5 17 20.1 47 55.0 2 1.8 20 23.1

College degree 88 31.1 2 2.1 9 9.9 13 14.8 62 71.1 2 2.1 11 12.0

Household Income

Less than $15,000 45 15.9 9 19.8 4 9.9 5 11.0 25 54.9 2 4.4 13 29.7

Between $15,000 and $30,000 54 19.2 9 16.3 5 9.5 8 15.4 31 57.3 1 1.5 14 25.8

Between $30,000 and $50,000 60 21.2 4 7.5 8 12.8 10 16.0 37 61.0 2 2.6 12 20.3

Between $50,000 and $75,000 53 18.8 2 4.3 8 14.9 9 17.3 33 62.6 - - 10 19.2

At Least $75,000 70 24.9 1 1.4 8 11.8 12 16.6 49 69.7 - - 9 13.2

Homeownership

Homeowner 197 69.5 12 6.1 24 12.3 30 15.2 127 64.5 4 1.9 36 18.4

Non-homeowner 86 30.5 14 15.9 9 10.8 14 16.1 48 55.5 1 1.7 23 26.6

Notes:

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as 

having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 

months. The unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use 

rent-to-own agreements or refund anticipation loans in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-141 Use of AFS by Banking Status: Ohio

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 4,719 100.0 414 100.0 912 100.0 3,172 100.0 220 100.0

Any AFS

Has Ever Used 2,062 43.7 269 64.9 912 100.0 857 27.0 0 0.0

Has Never Used 2,412 51.1 98 23.6 0 0.0 2,315 73.0 0 0.0

Unknown 244 5.2 48 11.6 0 0.0 0 0.0 196 89.0

Non-Bank Money Order

Has Ever Used 1,635 34.7 217 52.3 744 81.6 658 20.7 17 7.7

Has Never Used 2,880 61.0 142 34.3 165 18.0 2,514 79.3 59 26.7

Unknown 203 4.3 55 13.4 3 0.4 0 0.0 144 65.6

Non-Bank Check Cashing

Has Ever Used 593 12.6 172 41.6 274 30.1 132 4.2 14 6.3

Has Never Used 3,969 84.1 205 49.5 633 69.4 3,040 95.8 91 41.4

Unknown 156 3.3 37 8.9 4 0.5 0 0.0 115 52.3

Non-Bank Remittances

Has Ever Used 126 2.7 20 4.8 80 8.8 23 0.7 3 1.5

Has Never Used 4,432 93.9 347 83.8 832 91.2 3,149 99.3 104 47.0

Unknown 160 3.4 47 11.3 - - 0 0.0 113 51.5

Payday Lending

Has Ever Used 324 6.9 39 9.3 203 22.2 83 2.6 - -

Has Never Used 4,219 89.4 331 80.0 705 77.3 3,090 97.4 93 42.2

Unknown 176 3.7 44 10.7 4 0.5 0 0.0 127 57.8

Pawn Shops

Has Ever Used 284 6.0 66 15.9 155 16.9 60 1.9 4 1.7

Has Never Used 4,247 90.0 293 70.8 751 82.3 3,112 98.1 90 41.0

Unknown 188 4.0 55 13.3 7 0.7 0 0.0 126 57.3

Rent-to-Own

Has Ever Used 340 7.2 81 19.5 197 21.6 62 2.0 - -

Has Never Used 4,177 88.5 282 68.2 711 78.0 3,110 98.0 74 33.5

Unknown 201 4.3 51 12.3 4 0.4 0 0.0 146 66.5

Refund Anticipation Loans

Has Ever Used 256 5.4 38 9.1 163 17.9 55 1.7 - -

Has Never Used 4,263 90.3 329 79.4 739 81.0 3,117 98.3 78 35.6

Unknown 200 4.2 47 11.4 10 1.1 0 0.0 142 64.4

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

Table C-142 Timing of AFS Use by Banking Status: Ohio

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 4,719 100.0 414 100.0 912 100.0 3,172 100.0 220 100.0

Any AFS

In Last 30 Days 521 11.0 151 36.5 370 40.6 0 0.0 0 0.0

In Last 2-12 Months 610 12.9 68 16.5 542 59.4 0 0.0 0 0.0

Not in the Last 12 Months 931 19.7 49 11.9 0 0.0 857 27.0 24 11.0

Never Used 2,412 51.1 98 23.6 0 0.0 2,315 73.0 0 0.0

Unknown 244 5.2 48 11.6 0 0.0 0 0.0 196 89.0

Non-Bank Money Order

In Last 30 Days 365 7.7 93 22.6 272 29.8 0 0.0 - -

In Last 2-12 Months 452 9.6 56 13.5 396 43.4 0 0.0 - -

Not in the Last 12 Months 819 17.3 67 16.2 77 8.4 658 20.7 17 7.7

Never Used 2,880 61.0 142 34.3 165 18.0 2,514 79.3 59 26.7

Unknown 203 4.3 55 13.4 3 0.4 - - 144 65.6

Non-Bank Check Cashing

In Last 30 Days 146 3.1 82 19.8 64 7.0 0 0.0 - -

In Last 2-12 Months 174 3.7 51 12.4 123 13.4 0 0.0 - -

Not in the Last 12 Months 273 5.8 39 9.4 88 9.6 132 4.2 14 6.3

Never Used 3,969 84.1 205 49.5 633 69.4 3,040 95.8 91 41.4

Unknown 156 3.3 37 8.9 4 0.5 - - 115 52.3

Non-Bank Remittances

In Last 30 Days 29 0.6 7 1.8 22 2.4 0 0.0 - -

In Last 2-12 Months 24 0.5 - - 24 2.7 0 0.0 - -

Not in the Last 12 Months 73 1.5 13 3.1 34 3.8 23 0.7 3 1.5

Never Used 4,432 93.9 347 83.8 832 91.2 3,149 99.3 104 47.0

Unknown 160 3.4 47 11.3 - - - - 113 51.5

Payday Lending

In Last 30 Days 37 0.8 - - 37 4.1 0 0.0 - -

In Last 2-12 Months 74 1.6 7 1.7 67 7.3 0 0.0 - -

Not in the Last 12 Months 213 4.5 32 7.6 99 10.8 83 2.6 - -

Never Used 4,219 89.4 331 80.0 705 77.3 3,090 97.4 93 42.2

Unknown 176 3.7 44 10.7 4 0.5 - - 127 57.8
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-142 Timing of AFS Use by Banking Status: Ohio

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Pawn Shops

In Last 30 Days 37 0.8 15 3.7 21 2.3 0 0.0 - -

In Last 2-12 Months 64 1.4 21 5.1 43 4.7 0 0.0 - -

Not in the Last 12 Months 183 3.9 29 7.1 90 9.9 60 1.9 4 1.7

Never Used 4,247 90.0 293 70.8 751 82.3 3,112 98.1 90 41.0

Unknown 188 4.0 55 13.3 7 0.7 - - 126 57.3

Rent-to-Owna

Used in last 12 months 122 2.6 39 9.4 84 9.2 0 0.0 - -

Used but not in last 12 months 218 4.6 42 10.1 113 12.4 62 2.0 - -

Never Used 4,177 88.5 282 68.2 711 78.0 3,110 98.0 74 33.5

Unknown 201 4.3 51 12.3 4 0.4 - - 146 66.5

Refund Anticipation Loansa

Used in last 12 months 63 1.3 8 1.8 55 6.0 0 0.0 - -

Used but not in last 12 months 193 4.1 30 7.3 108 11.8 55 1.7 - -

Never Used 4,263 90.3 329 79.4 739 81.0 3,117 98.3 78 35.6

Unknown 200 4.2 47 11.4 10 1.1 - - 142 64.4

Notes:

Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. a Households were not asked whether they used these AFS products in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that the true value is only slightly greater than zero.

Table C-143 Use of AFS by Household Characteristic: Ohio

Household Characteristic

All Households

Use of AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used a 

Transaction AFS Ever Used a Credit AFS

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 4,719 100.0 2,062 43.7 2,412 51.1 244 5.2 1,829 38.8 823 17.4

Banking Status

Unbanked 414 8.8 269 64.9 98 23.6 48 11.6 256 61.8 141 34.0

Underbanked 912 19.3 912 100.0 0 0.0 0 0.0 819 89.8 449 49.3

Fully Banked 3,172 67.2 857 27.0 2,315 73.0 0 0.0 730 23.0 229 7.2

Banked but Underbanked Status Unknown 220 4.7 24 11.0 - - 196 89.0 24 11.0 4 1.7

Household Type

Family household 2,985 63.3 1,365 45.7 1,479 49.6 140 4.7 1,205 40.4 571 19.1

Female householder, no husband present 567 12.0 372 65.7 167 29.5 27 4.8 311 54.9 211 37.3

Male householder, no wife present 178 3.8 100 55.8 75 42.3 3 1.9 87 48.7 48 26.8

Married couple 2,240 47.5 893 39.9 1,237 55.2 109 4.9 807 36.0 312 13.9

Nonfamily household 1,734 36.7 697 40.2 933 53.8 104 6.0 625 36.0 252 14.6

Female householder 911 19.3 371 40.7 495 54.4 45 4.9 350 38.4 138 15.2

Male householder 822 17.4 326 39.6 437 53.2 59 7.2 275 33.4 114 13.8

Race/Ethnicity

Black 602 12.8 390 64.7 164 27.2 49 8.1 362 60.1 179 29.8

Hispanic non-Black 92 1.9 NA NA NA NA NA NA NA NA NA NA

White non-Black non-Hispanic 3,936 83.4 1,596 40.5 2,155 54.7 185 4.7 1,391 35.3 624 15.8

Other non-Black non-Hispanic 88 1.9 NA NA NA NA NA NA NA NA NA NA

Age

15 to 34 years 958 20.3 482 50.3 431 44.9 45 4.7 428 44.7 227 23.6

35 to 44 years 889 18.8 449 50.6 401 45.1 39 4.3 369 41.6 237 26.6

45 to 54 years 1,021 21.6 435 42.6 525 51.4 61 5.9 402 39.3 147 14.4

55 to 64 years 884 18.7 372 42.1 465 52.7 46 5.2 333 37.7 135 15.3

65 years or more 967 20.5 323 33.4 590 61.0 54 5.6 298 30.8 78 8.1

Education

No high school degree 492 10.4 243 49.3 228 46.3 21 4.3 218 44.3 100 20.3

High school degree 1,664 35.3 755 45.4 804 48.3 105 6.3 651 39.1 343 20.6

Some college 1,352 28.6 697 51.6 581 43.0 73 5.4 615 45.5 300 22.2

College degree 1,211 25.7 368 30.4 799 66.0 44 3.7 346 28.5 80 6.6

Household Income

Less than $15,000 872 18.5 500 57.4 326 37.4 45 5.2 461 52.8 259 29.7

Between $15,000 and $30,000 886 18.8 442 49.9 397 44.8 47 5.3 371 41.9 213 24.0

Between $30,000 and $50,000 1,009 21.4 455 45.1 503 49.8 51 5.1 388 38.5 193 19.1

Between $50,000 and $75,000 950 20.1 337 35.4 554 58.2 60 6.3 299 31.4 88 9.3

At Least $75,000 1,002 21.2 328 32.8 634 63.2 40 4.0 310 31.0 71 7.1

Homeownership

Homeowner 3,230 68.5 1,190 36.8 1,875 58.1 165 5.1 1,076 33.3 377 11.7

Non-homeowner 1,488 31.5 872 58.6 537 36.1 79 5.3 753 50.6 446 30.0

Notes:

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund 

anticipation loans.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-144 Timing of AFS Use by Household Characteristic: Ohio

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 Daysb In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Used AFS in the Last 

Year

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 4,719 100.0 521 11.0 610 12.9 931 19.7 2,412 51.1 244 5.2 1,131 24.0

Banking Status

Unbanked 414 8.8 151 36.5 68 16.5 49 11.9 98 23.6 48 11.6 219 52.9

Underbanked 912 19.3 370 40.6 542 59.4 0 0.0 0 0.0 0 0.0 912 100.0

Fully Banked 3,172 67.2 0 0.0 0 0.0 857 27.0 2,315 73.0 0 0.0 0 0.0

Banked but Underbanked Status Unknown 220 4.7 0 0.0 0 0.0 24 11.0 0 0.0 196 89.0 0 0.0

Household Type

Family household 2,985 63.3 331 11.1 408 13.7 627 21.0 1,479 49.6 140 4.7 739 24.7

Female householder, no husband present 567 12.0 120 21.1 115 20.3 138 24.3 167 29.5 27 4.8 235 41.4

Male householder, no wife present 178 3.8 41 22.7 42 23.5 17 9.6 75 42.3 3 1.9 82 46.2

Married couple 2,240 47.5 171 7.6 251 11.2 472 21.1 1,237 55.2 109 4.9 421 18.8

Nonfamily household 1,734 36.7 191 11.0 202 11.6 305 17.6 933 53.8 104 6.0 393 22.6

Female householder 911 19.3 109 12.0 103 11.3 159 17.4 495 54.4 45 4.9 212 23.3

Male householder 822 17.4 82 9.9 99 12.0 146 17.7 437 53.2 59 7.2 180 21.9

Race/Ethnicity

Black 602 12.8 143 23.8 128 21.2 119 19.7 164 27.2 49 8.1 271 45.0

Hispanic non-Black 92 1.9 NA NA NA NA NA NA NA NA NA NA NA NA

White non-Black non-Hispanic 3,936 83.4 359 9.1 456 11.6 781 19.9 2,155 54.7 185 4.7 815 20.7

Other non-Black non-Hispanic 88 1.9 NA NA NA NA NA NA NA NA NA NA NA NA

Age

15 to 34 years 958 20.3 162 16.9 153 16.0 167 17.5 431 44.9 45 4.7 315 32.9

35 to 44 years 889 18.8 88 9.9 163 18.3 198 22.3 401 45.1 39 4.3 251 28.3

45 to 54 years 1,021 21.6 96 9.4 130 12.7 209 20.5 525 51.4 61 5.9 226 22.1

55 to 64 years 884 18.7 95 10.8 97 11.0 180 20.3 465 52.7 46 5.2 192 21.8

65 years or more 967 20.5 80 8.3 67 6.9 177 18.3 590 61.0 54 5.6 146 15.1

Education

No high school degree 492 10.4 106 21.6 56 11.4 80 16.3 228 46.3 21 4.3 162 33.0

High school degree 1,664 35.3 190 11.4 219 13.2 345 20.8 804 48.3 105 6.3 410 24.6

Some college 1,352 28.6 188 13.9 231 17.1 278 20.6 581 43.0 73 5.4 419 31.0

College degree 1,211 25.7 37 3.1 103 8.5 227 18.8 799 66.0 44 3.7 140 11.6

Household Income

Less than $15,000 872 18.5 201 23.1 161 18.5 138 15.8 326 37.4 45 5.2 363 41.6

Between $15,000 and $30,000 886 18.8 149 16.9 110 12.4 183 20.6 397 44.8 47 5.3 259 29.3

Between $30,000 and $50,000 1,009 21.4 119 11.8 125 12.3 211 20.9 503 49.8 51 5.1 244 24.2

Between $50,000 and $75,000 950 20.1 25 2.7 107 11.2 205 21.5 554 58.2 60 6.3 132 13.9

At Least $75,000 1,002 21.2 26 2.6 107 10.7 195 19.5 634 63.2 40 4.0 133 13.3

Homeownership

Homeowner 3,230 68.5 188 5.8 328 10.1 675 20.9 1,875 58.1 165 5.1 515 16.0

Non-homeowner 1,488 31.5 334 22.4 282 19.0 256 17.2 537 36.1 79 5.3 616 41.4

Notes:

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as 

having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 

months. The unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use 

rent-to-own agreements or refund anticipation loans in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-145 Use of AFS by Banking Status: Oklahoma

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 1,503 100.0 164 100.0 349 100.0 935 100.0 NA NA

Any AFS

Has Ever Used 756 50.3 139 84.5 349 100.0 253 27.0 NA NA

Has Never Used 706 47.0 24 14.4 0 0.0 683 73.0 NA NA

Unknown 40 2.7 2 1.1 0 0.0 0 0.0 NA NA

Non-Bank Money Order

Has Ever Used 579 38.5 124 75.6 278 79.8 168 17.9 NA NA

Has Never Used 884 58.8 38 23.3 71 20.2 767 82.1 NA NA

Unknown 40 2.7 2 1.1 - - 0 0.0 NA NA

Non-Bank Check Cashing

Has Ever Used 208 13.9 63 38.7 81 23.1 54 5.8 NA NA

Has Never Used 1,264 84.1 99 60.2 268 76.9 881 94.2 NA NA

Unknown 30 2.0 2 1.1 - - 0 0.0 NA NA

Non-Bank Remittances

Has Ever Used 80 5.3 18 10.9 43 12.3 19 2.1 NA NA

Has Never Used 1,392 92.6 144 88.0 306 87.7 916 97.9 NA NA

Unknown 30 2.0 2 1.1 - - 0 0.0 NA NA

Payday Lending

Has Ever Used 99 6.6 29 17.9 58 16.6 11 1.2 NA NA

Has Never Used 1,361 90.5 130 79.3 291 83.4 924 98.8 NA NA

Unknown 44 2.9 5 2.9 - - 0 0.0 NA NA

Pawn Shops

Has Ever Used 204 13.6 47 28.7 93 26.7 60 6.5 NA NA

Has Never Used 1,258 83.7 115 70.2 256 73.3 875 93.5 NA NA

Unknown 41 2.7 2 1.1 - - 0 0.0 NA NA

Rent-to-Own

Has Ever Used 82 5.4 14 8.3 35 9.9 28 3.0 NA NA

Has Never Used 1,380 91.8 149 90.6 314 90.1 907 97.0 NA NA

Unknown 41 2.7 2 1.1 - - 0 0.0 NA NA

Refund Anticipation Loans

Has Ever Used 87 5.8 22 13.6 44 12.7 21 2.2 NA NA

Has Never Used 1,366 90.9 140 85.3 302 86.6 914 97.8 NA NA

Unknown 49 3.3 2 1.1 3 0.7 0 0.0 NA NA

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-146 Timing of AFS Use by Banking Status: Oklahoma

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 1,503 100.0 164 100.0 349 100.0 935 100.0 NA NA

Any AFS

In Last 30 Days 214 14.3 81 49.6 133 38.1 0 0.0 NA NA

In Last 2-12 Months 261 17.4 45 27.4 216 61.9 0 0.0 NA NA

Not in the Last 12 Months 281 18.7 12 7.5 0 0.0 253 27.0 NA NA

Never Used 706 47.0 24 14.4 0 0.0 683 73.0 NA NA

Unknown 40 2.7 2 1.1 0 0.0 0 0.0 NA NA

Non-Bank Money Order

In Last 30 Days 145 9.7 57 35.0 88 25.2 0 0.0 NA NA

In Last 2-12 Months 218 14.5 52 31.5 166 47.7 0 0.0 NA NA

Not in the Last 12 Months 215 14.3 15 9.1 24 6.9 168 17.9 NA NA

Never Used 884 58.8 38 23.3 71 20.2 767 82.1 NA NA

Unknown 40 2.7 2 1.1 - - - - NA NA

Non-Bank Check Cashing

In Last 30 Days 68 4.5 33 20.2 35 10.1 0 0.0 NA NA

In Last 2-12 Months 50 3.3 21 12.7 29 8.4 0 0.0 NA NA

Not in the Last 12 Months 90 6.0 10 5.8 16 4.5 54 5.8 NA NA

Never Used 1,264 84.1 99 60.2 268 76.9 881 94.2 NA NA

Unknown 30 2.0 2 1.1 - - - - NA NA

Non-Bank Remittances

In Last 30 Days 22 1.5 15 9.4 6 1.8 0 0.0 NA NA

In Last 2-12 Months 19 1.3 2 1.5 17 4.7 0 0.0 NA NA

Not in the Last 12 Months 39 2.6 - - 20 5.7 19 2.1 NA NA

Never Used 1,392 92.6 144 88.0 306 87.7 916 97.9 NA NA

Unknown 30 2.0 2 1.1 - - - - NA NA

Payday Lending

In Last 30 Days 15 1.0 3 1.9 12 3.4 0 0.0 NA NA

In Last 2-12 Months 27 1.8 7 4.0 21 6.0 0 0.0 NA NA

Not in the Last 12 Months 56 3.7 20 12.0 25 7.2 11 1.2 NA NA

Never Used 1,361 90.5 130 79.3 291 83.4 924 98.8 NA NA

Unknown 44 2.9 5 2.9 - - - - NA NA
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-146 Timing of AFS Use by Banking Status: Oklahoma

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Pawn Shops

In Last 30 Days 11 0.8 4 2.2 8 2.2 0 0.0 NA NA

In Last 2-12 Months 73 4.8 34 21.0 38 10.9 0 0.0 NA NA

Not in the Last 12 Months 120 8.0 9 5.5 47 13.6 60 6.5 NA NA

Never Used 1,258 83.7 115 70.2 256 73.3 875 93.5 NA NA

Unknown 41 2.7 2 1.1 - - - - NA NA

Rent-to-Owna

Used in last 12 months 17 1.1 6 3.8 10 2.9 0 0.0 NA NA

Used but not in last 12 months 65 4.3 7 4.5 24 6.9 28 3.0 NA NA

Never Used 1,380 91.8 149 90.6 314 90.1 907 97.0 NA NA

Unknown 41 2.7 2 1.1 - - - - NA NA

Refund Anticipation Loansa

Used in last 12 months 34 2.3 8 5.1 26 7.4 0 0.0 NA NA

Used but not in last 12 months 49 3.3 10 6.1 18 5.3 21 2.2 NA NA

Never Used 1,366 90.9 140 85.3 302 86.6 914 97.8 NA NA

Unknown 53 3.5 6 3.4 3 0.7 - - NA NA

Notes:

Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are 

categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as 

having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. a Households were not asked whether they used these AFS products in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-147 Use of AFS by Household Characteristic: Oklahoma

Household Characteristic

All Households

Use of AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used a 

Transaction AFS Ever Used a Credit AFS

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 1,503 100.0 756 50.3 706 47.0 40 2.7 670 44.6 312 20.8

Banking Status

Unbanked 164 10.9 139 84.5 24 14.4 2 1.1 130 79.3 62 37.6

Underbanked 349 23.2 349 100.0 0 0.0 0 0.0 319 91.5 152 43.6

Fully Banked 935 62.2 253 27.0 683 73.0 0 0.0 205 21.9 93 9.9

Banked but Underbanked Status Unknown 54 3.6 NA NA NA NA NA NA NA NA NA NA

Household Type

Family household 1,030 68.5 503 48.9 497 48.2 30 2.9 438 42.6 220 21.4

Female householder, no husband present 223 14.9 153 68.7 63 28.3 7 3.1 131 58.5 72 32.2

Male householder, no wife present 60 4.0 NA NA NA NA NA NA NA NA NA NA

Married couple 746 49.6 324 43.4 399 53.5 23 3.1 284 38.1 131 17.6

Nonfamily household 473 31.5 253 53.5 210 44.3 10 2.2 232 49.0 92 19.5

Female householder 240 16.0 121 50.4 114 47.4 5 2.1 113 47.0 49 20.6

Male householder 233 15.5 132 56.6 96 41.1 5 2.3 119 51.2 43 18.4

Race/Ethnicity

Black 147 9.8 104 70.6 39 26.8 4 2.6 94 64.3 53 36.3

Hispanic non-Black 88 5.8 72 81.8 14 16.2 2 2.0 70 79.9 15 17.1

White non-Black non-Hispanic 1,038 69.1 472 45.5 537 51.7 29 2.8 422 40.7 186 17.9

Other non-Black non-Hispanic 230 15.3 108 47.1 115 50.3 6 2.6 83 36.2 58 25.3

Age

15 to 34 years 345 22.9 202 58.7 130 37.8 12 3.5 187 54.4 108 31.3

35 to 44 years 269 17.9 139 51.8 128 47.6 2 0.7 116 43.3 69 25.5

45 to 54 years 293 19.5 154 52.7 125 42.7 14 4.7 128 43.7 73 24.9

55 to 64 years 255 17.0 126 49.2 122 47.8 8 3.1 113 44.4 35 13.6

65 years or more 341 22.7 135 39.5 202 59.1 5 1.4 125 36.6 28 8.2

Education

No high school degree 187 12.4 117 62.5 65 34.9 5 2.6 106 56.7 39 20.9

High school degree 446 29.7 240 53.7 192 43.1 14 3.2 208 46.6 113 25.4

Some college 445 29.6 209 47.1 226 50.8 10 2.1 190 42.6 98 22.1

College degree 425 28.3 190 44.8 223 52.4 12 2.8 166 39.2 62 14.5

Household Income

Less than $15,000 232 15.4 143 61.5 77 33.3 12 5.2 120 51.9 70 30.2

Between $15,000 and $30,000 348 23.2 199 57.2 135 38.7 14 4.1 179 51.4 87 25.0

Between $30,000 and $50,000 347 23.1 179 51.5 164 47.1 5 1.4 157 45.3 79 22.7

Between $50,000 and $75,000 243 16.2 110 45.4 130 53.4 3 1.2 101 41.5 27 11.2

At Least $75,000 333 22.1 125 37.6 201 60.5 6 1.9 113 33.9 49 14.8

Homeownership

Homeowner 1,053 70.1 455 43.2 574 54.5 24 2.3 403 38.3 146 13.9

Non-homeowner 450 29.9 301 67.0 132 29.4 16 3.6 267 59.3 166 36.9

Notes:

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund anticipation loans.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-148 Timing of AFS Use by Household Characteristic: Oklahoma

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 Daysb In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Used AFS in the Last 

Year

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 1,503 100.0 214 14.3 261 17.4 281 18.7 706 47.0 40 2.7 475 31.6

Banking Status

Unbanked 164 10.9 81 49.6 45 27.4 12 7.5 24 14.4 2 1.1 126 77.0

Underbanked 349 23.2 133 38.1 216 61.9 0 0.0 0 0.0 0 0.0 349 100.0

Fully Banked 935 62.2 0 0.0 0 0.0 253 27.0 683 73.0 0 0.0 0 0.0

Banked but Underbanked Status Unknown 54 3.6 0 0.0 0 0.0 NA NA 0 0.0 NA NA 0 0.0

Household Type

Family household 1,030 68.5 146 14.2 182 17.6 175 17.0 497 48.2 30 2.9 328 31.9

Female householder, no husband present 223 14.9 38 17.1 65 29.2 50 22.4 63 28.3 7 3.1 103 46.3

Male householder, no wife present 60 4.0 NA NA NA NA NA NA NA NA NA NA NA NA

Married couple 746 49.6 96 12.8 107 14.4 121 16.2 399 53.5 23 3.1 203 27.2

Nonfamily household 473 31.5 68 14.4 79 16.7 106 22.4 210 44.3 10 2.2 147 31.1

Female householder 240 16.0 25 10.5 40 16.6 56 23.4 114 47.4 5 2.1 65 27.1

Male householder 233 15.5 43 18.4 39 16.9 50 21.3 96 41.1 5 2.3 82 35.3

Race/Ethnicity

Black 147 9.8 34 23.2 49 33.4 21 14.0 39 26.8 4 2.6 83 56.6

Hispanic non-Black 88 5.8 42 48.0 14 15.9 16 18.0 14 16.2 2 2.0 56 63.8

White non-Black non-Hispanic 1,038 69.1 114 11.0 155 15.0 203 19.5 537 51.7 29 2.8 269 26.0

Other non-Black non-Hispanic 230 15.3 24 10.4 43 18.6 41 18.1 115 50.3 6 2.6 67 29.0

Age

15 to 34 years 345 22.9 78 22.8 74 21.5 50 14.5 130 37.8 12 3.5 152 44.2

35 to 44 years 269 17.9 44 16.4 49 18.1 46 17.3 128 47.6 2 0.7 93 34.5

45 to 54 years 293 19.5 51 17.6 49 16.9 53 18.2 125 42.7 14 4.7 101 34.4

55 to 64 years 255 17.0 19 7.2 54 21.3 53 20.6 122 47.8 8 3.1 73 28.6

65 years or more 341 22.7 22 6.4 34 10.1 79 23.0 202 59.1 5 1.4 56 16.5

Education

No high school degree 187 12.4 57 30.6 33 17.8 26 14.2 65 34.9 5 2.6 90 48.3

High school degree 446 29.7 73 16.4 95 21.2 72 16.2 192 43.1 14 3.2 168 37.5

Some college 445 29.6 57 12.8 75 16.8 78 17.5 226 50.8 10 2.1 132 29.6

College degree 425 28.3 27 6.4 59 13.8 104 24.6 223 52.4 12 2.8 86 20.2

Household Income

Less than $15,000 232 15.4 35 15.0 66 28.6 41 17.9 77 33.3 12 5.2 101 43.6

Between $15,000 and $30,000 348 23.2 86 24.8 42 12.0 71 20.4 135 38.7 14 4.1 128 36.8

Between $30,000 and $50,000 347 23.1 42 12.2 79 22.9 57 16.5 164 47.1 5 1.4 122 35.1

Between $50,000 and $75,000 243 16.2 20 8.3 28 11.5 62 25.5 130 53.4 3 1.2 48 19.9

At Least $75,000 333 22.1 31 9.2 45 13.6 49 14.8 201 60.5 6 1.9 76 22.8

Homeownership

Homeowner 1,053 70.1 91 8.6 160 15.2 205 19.4 574 54.5 24 2.3 250 23.8

Non-homeowner 450 29.9 124 27.5 101 22.5 76 17.0 132 29.4 16 3.6 225 50.0

Notes:

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as 

having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 

months. The unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use 

rent-to-own agreements or refund anticipation loans in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-149 Use of AFS by Banking Status: Oregon

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 1,522 100.0 NA NA 219 100.0 1,195 100.0 NA NA

Any AFS

Has Ever Used 614 40.4 NA NA 219 100.0 328 27.4 NA NA

Has Never Used 871 57.2 NA NA 0 0.0 867 72.6 NA NA

Unknown 37 2.4 NA NA 0 0.0 0 0.0 NA NA

Non-Bank Money Order

Has Ever Used 463 30.4 NA NA 172 78.5 235 19.6 NA NA

Has Never Used 1,030 67.6 NA NA 47 21.5 961 80.4 NA NA

Unknown 29 1.9 NA NA - - 0 0.0 NA NA

Non-Bank Check Cashing

Has Ever Used 153 10.0 NA NA 65 29.9 43 3.6 NA NA

Has Never Used 1,351 88.8 NA NA 151 69.1 1,152 96.4 NA NA

Unknown 18 1.2 NA NA 2 1.0 0 0.0 NA NA

Non-Bank Remittances

Has Ever Used 82 5.4 NA NA 48 22.0 26 2.2 NA NA

Has Never Used 1,420 93.3 NA NA 170 78.0 1,169 97.8 NA NA

Unknown 20 1.3 NA NA - - 0 0.0 NA NA

Payday Lending

Has Ever Used 75 4.9 NA NA 37 16.7 29 2.5 NA NA

Has Never Used 1,424 93.5 NA NA 182 83.3 1,166 97.5 NA NA

Unknown 24 1.6 NA NA - - 0 0.0 NA NA

Pawn Shops

Has Ever Used 149 9.8 NA NA 60 27.5 57 4.7 NA NA

Has Never Used 1,345 88.3 NA NA 156 71.4 1,139 95.3 NA NA

Unknown 29 1.9 NA NA 2 1.1 0 0.0 NA NA

Rent-to-Own

Has Ever Used 92 6.0 NA NA 46 20.8 25 2.1 NA NA

Has Never Used 1,403 92.1 NA NA 171 78.0 1,170 97.9 NA NA

Unknown 28 1.8 NA NA 2 1.1 0 0.0 NA NA

Refund Anticipation Loans

Has Ever Used 35 2.3 NA NA 15 6.8 11 0.9 NA NA

Has Never Used 1,453 95.4 NA NA 198 90.6 1,184 99.1 NA NA

Unknown 35 2.3 NA NA 5 2.5 0 0.0 NA NA

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-150 Timing of AFS Use by Banking Status: Oregon

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 1,522 100.0 NA NA 219 100.0 1,195 100.0 NA NA

Any AFS

In Last 30 Days 140 9.2 NA NA 99 45.1 0 0.0 NA NA

In Last 2-12 Months 130 8.6 NA NA 120 54.9 0 0.0 NA NA

Not in the Last 12 Months 344 22.6 NA NA 0 0.0 328 27.4 NA NA

Never Used 871 57.2 NA NA 0 0.0 867 72.6 NA NA

Unknown 37 2.4 NA NA 0 0.0 0 0.0 NA NA

Non-Bank Money Order

In Last 30 Days 105 6.9 NA NA 75 34.2 0 0.0 NA NA

In Last 2-12 Months 95 6.2 NA NA 83 38.0 0 0.0 NA NA

Not in the Last 12 Months 263 17.3 NA NA 14 6.3 235 19.6 NA NA

Never Used 1,030 67.6 NA NA 47 21.5 961 80.4 NA NA

Unknown 29 1.9 NA NA - - - - NA NA

Non-Bank Check Cashing

In Last 30 Days 33 2.1 NA NA 9 4.0 0 0.0 NA NA

In Last 2-12 Months 30 2.0 NA NA 22 9.8 0 0.0 NA NA

Not in the Last 12 Months 90 5.9 NA NA 35 16.0 43 3.6 NA NA

Never Used 1,351 88.8 NA NA 151 69.1 1,152 96.4 NA NA

Unknown 18 1.2 NA NA 2 1.0 - - NA NA

Non-Bank Remittances

In Last 30 Days 12 0.8 NA NA 12 5.6 0 0.0 NA NA

In Last 2-12 Months 26 1.7 NA NA 24 11.0 0 0.0 NA NA

Not in the Last 12 Months 44 2.9 NA NA 12 5.4 26 2.2 NA NA

Never Used 1,420 93.3 NA NA 170 78.0 1,169 97.8 NA NA

Unknown 20 1.3 NA NA - - - - NA NA

Payday Lending

In Last 30 Days 12 0.8 NA NA 12 5.6 0 0.0 NA NA

In Last 2-12 Months 6 0.4 NA NA 6 2.9 0 0.0 NA NA

Not in the Last 12 Months 57 3.7 NA NA 18 8.3 29 2.5 NA NA

Never Used 1,424 93.5 NA NA 182 83.3 1,166 97.5 NA NA

Unknown 24 1.6 NA NA - - - - NA NA
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-150 Timing of AFS Use by Banking Status: Oregon

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Pawn Shops

In Last 30 Days 11 0.7 NA NA 4 2.0 0 0.0 NA NA

In Last 2-12 Months 34 2.2 NA NA 29 13.3 0 0.0 NA NA

Not in the Last 12 Months 105 6.9 NA NA 27 12.2 57 4.7 NA NA

Never Used 1,345 88.3 NA NA 156 71.4 1,139 95.3 NA NA

Unknown 29 1.9 NA NA 2 1.1 - - NA NA

Rent-to-Owna

Used in last 12 months 24 1.6 NA NA 22 9.9 0 0.0 NA NA

Used but not in last 12 months 68 4.5 NA NA 24 10.9 25 2.1 NA NA

Never Used 1,403 92.1 NA NA 171 78.0 1,170 97.9 NA NA

Unknown 28 1.8 NA NA 2 1.1 - - NA NA

Refund Anticipation Loansa

Used in last 12 months 10 0.6 NA NA 7 3.0 0 0.0 NA NA

Used but not in last 12 months 25 1.6 NA NA 8 3.8 11 0.9 NA NA

Never Used 1,453 95.4 NA NA 198 90.6 1,184 99.1 NA NA

Unknown 35 2.3 NA NA 5 2.5 - - NA NA

Notes:

Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are 

categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as 

having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. a Households were not asked whether they used these AFS products in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-151 Use of AFS by Household Characteristic: Oregon

Household Characteristic

All Households

Use of AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used a 

Transaction AFS Ever Used a Credit AFS

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 1,522 100.0 614 40.4 871 57.2 37 2.4 545 35.8 235 15.5

Banking Status

Unbanked 65 4.3 NA NA NA NA NA NA NA NA NA NA

Underbanked 219 14.4 219 100.0 0 0.0 0 0.0 203 92.9 96 43.9

Fully Banked 1,195 78.5 328 27.4 867 72.6 0 0.0 279 23.3 97 8.1

Banked but Underbanked Status Unknown 44 2.9 NA NA NA NA NA NA NA NA NA NA

Household Type

Family household 950 62.4 384 40.4 545 57.4 21 2.2 331 34.8 163 17.1

Female householder, no husband present 138 9.1 79 56.9 57 41.3 2 1.7 59 42.7 42 30.5

Male householder, no wife present 35 2.3 NA NA NA NA NA NA NA NA NA NA

Married couple 777 51.0 287 36.9 472 60.7 18 2.4 253 32.6 104 13.4

Nonfamily household 573 37.6 230 40.2 326 57.0 16 2.8 215 37.5 73 12.7

Female householder 321 21.1 122 38.1 191 59.5 7 2.3 113 35.4 36 11.1

Male householder 252 16.6 108 42.9 135 53.7 9 3.4 101 40.1 37 14.7

Race/Ethnicity

Black 22 1.5 NA NA NA NA NA NA NA NA NA NA

Hispanic non-Black 95 6.2 48 51.0 42 44.2 5 4.9 44 46.3 16 16.3

White non-Black non-Hispanic 1,328 87.2 516 38.9 788 59.4 24 1.8 462 34.8 189 14.2

Other non-Black non-Hispanic 77 5.1 33 43.3 35 45.8 8 10.9 25 32.4 23 29.9

Age

15 to 34 years 334 21.9 172 51.6 152 45.4 10 3.0 155 46.3 86 25.7

35 to 44 years 249 16.4 114 45.6 131 52.5 5 1.9 97 38.8 43 17.2

45 to 54 years 278 18.3 116 41.7 160 57.6 2 0.7 102 36.8 58 20.9

55 to 64 years 298 19.6 121 40.5 171 57.2 7 2.3 108 36.3 28 9.4

65 years or more 363 23.8 92 25.3 258 71.0 13 3.7 83 23.0 20 5.6

Education

No high school degree 132 8.7 64 48.3 59 44.3 10 7.4 57 43.4 26 19.6

High school degree 358 23.5 167 46.5 188 52.4 4 1.1 147 41.1 75 21.0

Some college 539 35.4 246 45.7 281 52.1 12 2.2 210 39.0 107 19.9

College degree 493 32.4 138 27.9 344 69.8 11 2.3 131 26.5 27 5.5

Household Income

Less than $15,000 252 16.6 133 52.7 112 44.5 7 2.8 122 48.4 59 23.2

Between $15,000 and $30,000 276 18.2 142 51.4 124 44.7 11 3.9 122 44.2 69 25.0

Between $30,000 and $50,000 337 22.1 142 42.0 185 55.0 10 3.0 130 38.5 47 13.9

Between $50,000 and $75,000 327 21.5 113 34.6 209 64.0 5 1.4 101 31.0 28 8.5

At Least $75,000 330 21.7 85 25.7 241 73.0 4 1.3 70 21.2 34 10.2

Homeownership

Homeowner 1,008 66.2 297 29.5 685 68.0 26 2.5 263 26.1 77 7.7

Non-homeowner 515 33.8 317 61.7 186 36.2 11 2.2 282 54.8 158 30.7

Notes: 

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund 

anticipation loans.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-152 Timing of AFS Use by Household Characteristic: Oregon

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 Daysb In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Used AFS in the Last 

Year

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 1,522 100.0 140 9.2 130 8.6 344 22.6 871 57.2 37 2.4 271 17.8

Banking Status

Unbanked 65 4.3 NA NA NA NA NA NA NA NA NA NA NA NA

Underbanked 219 14.4 99 45.1 120 54.9 0 0.0 0 0.0 0 0.0 219 100.0

Fully Banked 1,195 78.5 0 0.0 0 0.0 328 27.4 867 72.6 0 0.0 0 0.0

Banked but Underbanked Status Unknown 44 2.9 0 0.0 0 0.0 NA NA 0 0.0 NA NA 0 0.0

Household Type

Family household 950 62.4 97 10.2 84 8.9 203 21.4 545 57.4 21 2.2 181 19.1

Female householder, no husband present 138 9.1 23 16.5 23 16.5 33 23.9 57 41.3 2 1.7 46 33.0

Male householder, no wife present 35 2.3 NA NA NA NA NA NA NA NA NA NA NA NA

Married couple 777 51.0 67 8.6 57 7.4 162 20.9 472 60.7 18 2.4 124 16.0

Nonfamily household 573 37.6 44 7.6 46 8.0 141 24.6 326 57.0 16 2.8 90 15.7

Female householder 321 21.1 20 6.2 19 5.9 83 26.0 191 59.5 7 2.3 39 12.2

Male householder 252 16.6 24 9.4 27 10.7 57 22.8 135 53.7 9 3.4 51 20.1

Race/Ethnicity

Black 22 1.5 NA NA NA NA NA NA NA NA NA NA NA NA

Hispanic non-Black 95 6.2 29 31.0 7 7.6 12 12.4 42 44.2 5 4.9 37 38.6

White non-Black non-Hispanic 1,328 87.2 94 7.1 104 7.9 317 23.9 788 59.4 24 1.8 198 14.9

Other non-Black non-Hispanic 77 5.1 9 11.8 14 18.6 10 13.0 35 45.8 8 10.9 23 30.3

Age

15 to 34 years 334 21.9 44 13.1 55 16.3 74 22.1 152 45.4 10 3.0 98 29.4

35 to 44 years 249 16.4 32 12.9 14 5.8 67 26.9 131 52.5 5 1.9 47 18.7

45 to 54 years 278 18.3 32 11.3 19 6.7 66 23.6 160 57.6 2 0.7 50 18.1

55 to 64 years 298 19.6 25 8.4 24 8.0 72 24.2 171 57.2 7 2.3 49 16.3

65 years or more 363 23.8 8 2.2 19 5.2 65 17.9 258 71.0 13 3.7 27 7.4

Education

No high school degree 132 8.7 26 19.5 16 12.1 22 16.7 59 44.3 10 7.4 42 31.6

High school degree 358 23.5 56 15.5 39 10.9 72 20.1 188 52.4 4 1.1 95 26.4

Some college 539 35.4 49 9.2 60 11.2 137 25.4 281 52.1 12 2.2 110 20.3

College degree 493 32.4 10 2.0 15 3.0 113 22.9 344 69.8 11 2.3 25 5.0

Household Income

Less than $15,000 252 16.6 44 17.4 36 14.1 53 21.1 112 44.5 7 2.8 80 31.5

Between $15,000 and $30,000 276 18.2 40 14.6 30 10.7 72 26.1 124 44.7 11 3.9 70 25.3

Between $30,000 and $50,000 337 22.1 35 10.3 27 7.9 80 23.8 185 55.0 10 3.0 61 18.2

Between $50,000 and $75,000 327 21.5 19 5.9 21 6.3 73 22.3 209 64.0 5 1.4 40 12.3

At Least $75,000 330 21.7 2 0.6 18 5.4 65 19.7 241 73.0 4 1.3 20 6.0

Homeownership

Homeowner 1,008 66.2 39 3.8 60 5.9 199 19.7 685 68.0 26 2.5 98 9.8

Non-homeowner 515 33.8 102 19.8 71 13.7 145 28.2 186 36.2 11 2.2 172 33.5

Notes:

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as 

having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 

months. The unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use 

rent-to-own agreements or refund anticipation loans in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-153 Use of AFS by Banking Status: Pennsylvania

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 5,161 100.0 315 100.0 931 100.0 3,771 100.0 143 100.0

Any AFS

Has Ever Used 2,114 40.9 213 67.5 931 100.0 951 25.2 0 0.0

Has Never Used 2,902 56.2 82 26.0 0 0.0 2,820 74.8 0 0.0

Unknown 146 2.8 21 6.5 0 0.0 0 0.0 125 87.3

Non-Bank Money Order

Has Ever Used 1,728 33.5 174 55.1 809 86.9 732 19.4 14 9.6

Has Never Used 3,306 64.1 121 38.4 122 13.1 3,040 80.6 24 16.5

Unknown 126 2.5 21 6.5 - - 0 0.0 106 73.9

Non-Bank Check Cashing

Has Ever Used 643 12.5 135 42.7 300 32.2 204 5.4 4 3.0

Has Never Used 4,411 85.5 164 52.0 631 67.8 3,568 94.6 48 33.4

Unknown 108 2.1 17 5.3 - - 0 0.0 91 63.6

Non-Bank Remittances

Has Ever Used 154 3.0 37 11.6 77 8.3 40 1.0 - -

Has Never Used 4,884 94.6 254 80.6 845 90.8 3,732 99.0 53 36.8

Unknown 124 2.4 25 7.8 8 0.9 0 0.0 91 63.2

Payday Lending

Has Ever Used 91 1.8 4 1.3 71 7.7 15 0.4 - -

Has Never Used 4,943 95.8 291 92.2 847 91.0 3,756 99.6 50 34.6

Unknown 127 2.5 21 6.5 13 1.4 0 0.0 94 65.4

Pawn Shops

Has Ever Used 276 5.3 59 18.8 152 16.3 64 1.7 - -

Has Never Used 4,758 92.2 232 73.4 775 83.2 3,707 98.3 44 30.4

Unknown 128 2.5 24 7.7 4 0.4 0 0.0 100 69.6

Rent-to-Own

Has Ever Used 238 4.6 24 7.5 158 17.0 56 1.5 - -

Has Never Used 4,794 92.9 264 83.8 769 82.6 3,716 98.5 45 31.7

Unknown 129 2.5 28 8.7 4 0.4 0 0.0 98 68.3

Refund Anticipation Loans

Has Ever Used 228 4.4 31 9.9 126 13.6 71 1.9 - -

Has Never Used 4,811 93.2 264 83.6 801 86.0 3,701 98.1 45 31.7

Unknown 122 2.4 21 6.5 4 0.4 0 0.0 98 68.3

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that the true value is only slightly greater than zero.

Table C-154 Timing of AFS Use by Banking Status: Pennsylvania

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 5,161 100.0 315 100.0 931 100.0 3,771 100.0 143 100.0

Any AFS

In Last 30 Days 501 9.7 102 32.2 399 42.9 0 0.0 0 0.0

In Last 2-12 Months 614 11.9 82 26.1 532 57.1 0 0.0 0 0.0

Not in the Last 12 Months 999 19.3 29 9.2 0 0.0 951 25.2 18 12.7

Never Used 2,902 56.2 82 26.0 0 0.0 2,820 74.8 0 0.0

Unknown 146 2.8 21 6.5 0 0.0 0 0.0 125 87.3

Non-Bank Money Order

In Last 30 Days 408 7.9 87 27.5 321 34.5 0 0.0 - -

In Last 2-12 Months 479 9.3 49 15.7 429 46.1 0 0.0 - -

Not in the Last 12 Months 842 16.3 38 12.0 58 6.3 732 19.4 14 9.6

Never Used 3,306 64.1 121 38.4 122 13.1 3,040 80.6 24 16.5

Unknown 126 2.5 21 6.5 - - - - 106 73.9

Non-Bank Check Cashing

In Last 30 Days 122 2.4 38 11.9 84 9.1 0 0.0 - -

In Last 2-12 Months 185 3.6 46 14.6 139 14.9 0 0.0 - -

Not in the Last 12 Months 336 6.5 51 16.2 77 8.3 204 5.4 4 3.0

Never Used 4,411 85.5 164 52.0 631 67.8 3,568 94.6 48 33.4

Unknown 108 2.1 17 5.3 - - - - 91 63.6

Non-Bank Remittances

In Last 30 Days 19 0.4 - - 19 2.0 0 0.0 - -

In Last 2-12 Months 79 1.5 31 9.9 48 5.1 0 0.0 - -

Not in the Last 12 Months 56 1.1 5 1.7 11 1.2 40 1.0 - -

Never Used 4,884 94.6 254 80.6 845 90.8 3,732 99.0 53 36.8

Unknown 124 2.4 25 7.8 8 0.9 - - 91 63.2

Payday Lending

In Last 30 Days 17 0.3 - - 17 1.8 0 0.0 - -

In Last 2-12 Months 21 0.4 - - 21 2.2 0 0.0 - -

Not in the Last 12 Months 53 1.0 4 1.3 34 3.6 15 0.4 - -

Never Used 4,943 95.8 291 92.2 847 91.0 3,756 99.6 50 34.6

Unknown 127 2.5 21 6.5 13 1.4 - - 94 65.4
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-154 Timing of AFS Use by Banking Status: Pennsylvania

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Pawn Shops

In Last 30 Days 27 0.5 - - 27 2.9 0 0.0 - -

In Last 2-12 Months 74 1.4 31 10.0 43 4.6 0 0.0 - -

Not in the Last 12 Months 174 3.4 28 8.9 82 8.8 64 1.7 - -

Never Used 4,758 92.2 232 73.4 775 83.2 3,707 98.3 44 30.4

Unknown 128 2.5 24 7.7 4 0.4 - - 100 69.6

Rent-to-Owna

Used in last 12 months 93 1.8 11 3.6 82 8.8 0 0.0 - -

Used but not in last 12 months 145 2.8 12 3.9 77 8.2 56 1.5 - -

Never Used 4,794 92.9 264 83.8 769 82.6 3,716 98.5 45 31.7

Unknown 129 2.5 28 8.7 4 0.4 - - 98 68.3

Refund Anticipation Loansa

Used in last 12 months 47 0.9 - - 47 5.0 0 0.0 - -

Used but not in last 12 months 181 3.5 31 9.9 80 8.6 71 1.9 - -

Never Used 4,811 93.2 264 83.6 801 86.0 3,701 98.1 45 31.7

Unknown 122 2.4 21 6.5 4 0.4 - - 98 68.3

Notes:

Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are 

categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as 

having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. a Households were not asked whether they used these AFS products in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

Table C-155 Use of AFS by Household Characteristic: Pennsylvania

Household Characteristic

All Households

Use of AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used a 

Transaction AFS Ever Used a Credit AFS

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 5,161 100.0 2,114 40.9 2,902 56.2 146 2.8 2,004 38.8 606 11.7

Banking Status

Unbanked 315 6.1 213 67.5 82 26.0 21 6.5 213 67.5 83 26.3

Underbanked 931 18.0 931 100.0 0 0.0 0 0.0 894 96.1 337 36.2

Fully Banked 3,771 73.1 951 25.2 2,820 74.8 0 0.0 879 23.3 186 4.9

Banked but Underbanked Status Unknown 143 2.8 18 12.7 - - 125 87.3 18 12.7 - -

Household Type

Family household 3,345 64.8 1,434 42.9 1,820 54.4 91 2.7 1,347 40.3 431 12.9

Female householder, no husband present 640 12.4 404 63.2 208 32.5 28 4.3 373 58.3 193 30.2

Male householder, no wife present 207 4.0 116 55.9 81 39.4 10 4.6 99 47.7 44 21.4

Married couple 2,498 48.4 914 36.6 1,531 61.3 53 2.1 875 35.0 193 7.7

Nonfamily household 1,812 35.1 675 37.3 1,082 59.7 55 3.0 653 36.0 176 9.7

Female householder 988 19.1 347 35.1 599 60.6 42 4.3 336 34.0 95 9.6

Male householder 824 16.0 329 39.9 483 58.6 13 1.5 318 38.5 80 9.7

Other 4 0.1 NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 570 11.0 367 64.4 184 32.3 19 3.2 356 62.5 161 28.2

Hispanic non-Black 200 3.9 114 56.9 73 36.4 14 6.8 108 54.0 24 11.7

White non-Black non-Hispanic 4,264 82.6 1,587 37.2 2,563 60.1 114 2.7 1,495 35.1 407 9.5

Other non-Black non-Hispanic 127 2.5 45 35.3 82 64.7 - - 45 35.3 15 11.6

Age

15 to 34 years 1,084 21.0 595 54.9 454 41.9 35 3.3 566 52.2 197 18.2

35 to 44 years 706 13.7 328 46.5 362 51.3 16 2.3 304 43.1 133 18.9

45 to 54 years 1,143 22.1 503 44.0 602 52.7 38 3.3 476 41.6 130 11.4

55 to 64 years 920 17.8 360 39.1 548 59.5 13 1.4 342 37.1 100 10.9

65 years or more 1,308 25.3 328 25.1 937 71.6 44 3.3 317 24.3 45 3.5

Education

No high school degree 563 10.9 248 44.0 300 53.2 16 2.8 222 39.4 93 16.5

High school degree 2,048 39.7 887 43.3 1,090 53.2 71 3.5 833 40.7 271 13.2

Some college 1,134 22.0 546 48.1 557 49.1 31 2.8 531 46.8 203 17.9

College degree 1,416 27.4 432 30.5 955 67.5 28 2.0 418 29.5 40 2.8

Household Income

Less than $15,000 921 17.8 477 51.8 411 44.6 33 3.6 432 46.9 186 20.2

Between $15,000 and $30,000 851 16.5 409 48.0 422 49.5 21 2.4 387 45.5 145 17.0

Between $30,000 and $50,000 1,158 22.4 475 41.0 634 54.7 49 4.3 447 38.6 159 13.8

Between $50,000 and $75,000 946 18.3 334 35.3 587 62.1 25 2.6 331 35.0 68 7.1

At Least $75,000 1,285 24.9 418 32.6 849 66.1 18 1.4 407 31.7 48 3.7

Homeownership

Homeowner 3,528 68.3 1,167 33.1 2,248 63.7 112 3.2 1,123 31.8 208 5.9

Non-homeowner 1,634 31.7 946 57.9 654 40.0 33 2.0 881 53.9 398 24.4

Notes:

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund anticipation loans.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-156 Timing of AFS Use by Household Characteristic: Pennsylvania

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 Daysb In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Used AFS in the Last 

Year

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 5,161 100.0 501 9.7 614 11.9 999 19.3 2,902 56.2 146 2.8 1,115 21.6

Banking Status

Unbanked 315 6.1 102 32.2 82 26.1 29 9.2 82 26.0 21 6.5 184 58.3

Underbanked 931 18.0 399 42.9 532 57.1 0 0.0 0 0.0 0 0.0 931 100.0

Fully Banked 3,771 73.1 0 0.0 0 0.0 951 25.2 2,820 74.8 0 0.0 0 0.0

Banked but Underbanked Status Unknown 143 2.8 0 0.0 0 0.0 18 12.7 0 0.0 125 87.3 0 0.0

Household Type

Family household 3,345 64.8 337 10.1 402 12.0 695 20.8 1,820 54.4 91 2.7 739 22.1

Female householder, no husband present 640 12.4 142 22.2 128 20.0 134 20.9 208 32.5 28 4.3 271 42.3

Male householder, no wife present 207 4.0 43 20.7 22 10.5 51 24.7 81 39.4 10 4.6 65 31.3

Married couple 2,498 48.4 152 6.1 252 10.1 510 20.4 1,531 61.3 53 2.1 404 16.2

Nonfamily household 1,812 35.1 164 9.0 211 11.7 300 16.6 1,082 59.7 55 3.0 375 20.7

Female householder 988 19.1 78 7.9 94 9.6 175 17.7 599 60.6 42 4.3 172 17.4

Male householder 824 16.0 86 10.5 117 14.2 125 15.2 483 58.6 13 1.5 203 24.7

Other 4 0.1 NA NA NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 570 11.0 128 22.5 87 15.2 152 26.8 184 32.3 19 3.2 215 37.7

Hispanic non-Black 200 3.9 29 14.3 50 25.2 35 17.3 73 36.4 14 6.8 79 39.5

White non-Black non-Hispanic 4,264 82.6 336 7.9 456 10.7 796 18.7 2,563 60.1 114 2.7 792 18.6

Other non-Black non-Hispanic 127 2.5 8 6.5 21 16.4 16 12.4 82 64.7 - - 29 22.9

Age

15 to 34 years 1,084 21.0 184 16.9 201 18.5 210 19.4 454 41.9 35 3.3 384 35.4

35 to 44 years 706 13.7 69 9.8 104 14.7 155 22.0 362 51.3 16 2.3 173 24.5

45 to 54 years 1,143 22.1 112 9.8 149 13.0 243 21.3 602 52.7 38 3.3 260 22.8

55 to 64 years 920 17.8 72 7.8 109 11.8 179 19.5 548 59.5 13 1.4 181 19.6

65 years or more 1,308 25.3 65 4.9 52 4.0 211 16.1 937 71.6 44 3.3 117 8.9

Education

No high school degree 563 10.9 59 10.5 88 15.7 101 17.9 300 53.2 16 2.8 147 26.2

High school degree 2,048 39.7 254 12.4 253 12.3 380 18.6 1,090 53.2 71 3.5 507 24.7

Some college 1,134 22.0 132 11.6 158 14.0 256 22.6 557 49.1 31 2.8 290 25.6

College degree 1,416 27.4 56 3.9 115 8.1 262 18.5 955 67.5 28 2.0 171 12.0

Household Income

Less than $15,000 921 17.8 168 18.2 183 19.9 127 13.8 411 44.6 33 3.6 350 38.0

Between $15,000 and $30,000 851 16.5 118 13.9 144 17.0 146 17.1 422 49.5 21 2.4 263 30.9

Between $30,000 and $50,000 1,158 22.4 105 9.1 101 8.7 269 23.3 634 54.7 49 4.3 206 17.8

Between $50,000 and $75,000 946 18.3 56 5.9 104 11.0 174 18.4 587 62.1 25 2.6 160 16.9

At Least $75,000 1,285 24.9 54 4.2 82 6.4 282 22.0 849 66.1 18 1.4 136 10.6

Homeownership

Homeowner 3,528 68.3 198 5.6 294 8.3 676 19.2 2,248 63.7 112 3.2 491 13.9

Non-homeowner 1,634 31.7 303 18.6 320 19.6 323 19.8 654 40.0 33 2.0 624 38.2

Notes:

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as 

having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 

months. The unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use 

rent-to-own agreements or refund anticipation loans in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-157 Use of AFS by Banking Status: Rhode Island

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 423 100.0 30 100.0 75 100.0 304 100.0 NA NA

Any AFS

Has Ever Used 158 37.4 20 68.6 75 100.0 62 20.4 NA NA

Has Never Used 250 59.0 8 26.4 0 0.0 242 79.6 NA NA

Unknown 15 3.6 1 5.0 0 0.0 0 0.0 NA NA

Non-Bank Money Order

Has Ever Used 125 29.5 18 59.5 57 75.0 51 16.6 NA NA

Has Never Used 286 67.6 11 35.5 18 24.3 254 83.4 NA NA

Unknown 13 3.0 1 5.0 1 0.7 0 0.0 NA NA

Non-Bank Check Cashing

Has Ever Used 36 8.5 12 42.0 18 23.7 5 1.6 NA NA

Has Never Used 380 89.8 16 54.7 58 76.3 299 98.4 NA NA

Unknown 7 1.7 1 3.3 - - 0 0.0 NA NA

Non-Bank Remittances

Has Ever Used 26 6.2 3 10.1 18 23.6 6 1.8 NA NA

Has Never Used 384 90.7 25 84.9 57 75.1 298 98.2 NA NA

Unknown 13 3.0 1 4.9 1 1.3 0 0.0 NA NA

Payday Lending

Has Ever Used 7 1.7 2 6.5 5 6.4 1 0.2 NA NA

Has Never Used 403 95.1 26 88.5 69 91.6 304 99.8 NA NA

Unknown 13 3.2 1 4.9 2 2.1 0 0.0 NA NA

Pawn Shops

Has Ever Used 21 5.0 4 13.3 14 17.9 4 1.3 NA NA

Has Never Used 390 92.0 24 81.8 61 80.8 300 98.7 NA NA

Unknown 13 3.0 1 4.9 1 1.3 0 0.0 NA NA

Rent-to-Own

Has Ever Used 19 4.4 4 12.5 11 14.9 4 1.2 NA NA

Has Never Used 394 92.9 24 81.2 63 83.9 300 98.8 NA NA

Unknown 11 2.7 2 6.3 1 1.3 0 0.0 NA NA

Refund Anticipation Loans

Has Ever Used 6 1.5 1 3.6 4 5.0 1 0.5 NA NA

Has Never Used 404 95.4 27 91.5 71 93.8 303 99.5 NA NA

Unknown 13 3.1 1 4.9 1 1.3 0 0.0 NA NA

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-158 Timing of AFS Use by Banking Status: Rhode Island

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 423 100.0 30 100.0 75 100.0 304 100.0 NA NA

Any AFS

In Last 30 Days 43 10.2 11 37.1 32 42.7 0 0.0 NA NA

In Last 2-12 Months 47 11.0 4 12.0 43 57.3 0 0.0 NA NA

Not in the Last 12 Months 68 16.2 6 19.5 0 0.0 62 20.4 NA NA

Never Used 250 59.0 8 26.4 0 0.0 242 79.6 NA NA

Unknown 15 3.6 1 5.0 0 0.0 0 0.0 NA NA

Non-Bank Money Order

In Last 30 Days 30 7.0 9 32.0 20 27.0 0 0.0 NA NA

In Last 2-12 Months 33 7.9 2 6.1 32 41.9 0 0.0 NA NA

Not in the Last 12 Months 61 14.5 6 21.3 5 6.1 51 16.6 NA NA

Never Used 286 67.6 11 35.5 18 24.3 254 83.4 NA NA

Unknown 13 3.0 1 5.0 1 0.7 - - NA NA

Non-Bank Check Cashing

In Last 30 Days 10 2.3 5 15.8 5 6.5 0 0.0 NA NA

In Last 2-12 Months 10 2.4 2 7.9 8 10.5 0 0.0 NA NA

Not in the Last 12 Months 16 3.8 5 18.3 5 6.7 5 1.6 NA NA

Never Used 380 89.8 16 54.7 58 76.3 299 98.4 NA NA

Unknown 7 1.7 1 3.3 - - - - NA NA

Non-Bank Remittances

In Last 30 Days 8 1.9 1 1.8 8 10.1 0 0.0 NA NA

In Last 2-12 Months 8 1.8 1 3.8 7 8.8 0 0.0 NA NA

Not in the Last 12 Months 11 2.5 1 4.5 4 4.7 6 1.8 NA NA

Never Used 384 90.7 25 84.9 57 75.1 298 98.2 NA NA

Unknown 13 3.0 1 4.9 1 1.3 - - NA NA

Payday Lending

In Last 30 Days 0 0.1 - - - - 0 0.0 NA NA

In Last 2-12 Months 4 0.9 - - 4 5.1 0 0.0 NA NA

Not in the Last 12 Months 3 0.7 2 6.5 1 0.7 1 0.2 NA NA

Never Used 403 95.1 26 88.5 69 91.6 304 99.8 NA NA

Unknown 13 3.2 1 4.9 2 2.1 - - NA NA
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-158 Timing of AFS Use by Banking Status: Rhode Island

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Pawn Shops

In Last 30 Days 3 0.6 1 3.4 2 2.2 0 0.0 NA NA

In Last 2-12 Months 10 2.5 2 7.8 8 10.8 0 0.0 NA NA

Not in the Last 12 Months 8 1.9 1 2.2 4 4.9 4 1.3 NA NA

Never Used 390 92.0 24 81.8 61 80.8 300 98.7 NA NA

Unknown 13 3.0 1 4.9 1 1.3 - - NA NA

Rent-to-Owna

Used in last 12 months 6 1.3 - - 5 7.0 0 0.0 NA NA

Used but not in last 12 months 13 3.0 3 11.1 6 7.9 4 1.2 NA NA

Never Used 394 92.9 24 81.2 63 83.9 300 98.8 NA NA

Unknown 11 2.7 2 6.3 1 1.3 - - NA NA

Refund Anticipation Loansa

Used in last 12 months 2 0.4 1 2.2 1 1.5 0 0.0 NA NA

Used but not in last 12 months 4 1.1 - - 3 3.5 1 0.5 NA NA

Never Used 404 95.4 27 91.5 71 93.8 303 99.5 NA NA

Unknown 13 3.1 1 4.9 1 1.3 - - NA NA

Notes:

Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are 

categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as 

having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. a Households were not asked whether they used these AFS products in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-159 Use of AFS by Household Characteristic: Rhode Island

Household Characteristic

All Households

Use of AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used a 

Transaction AFS Ever Used a Credit AFS

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 423 100.0 158 37.4 250 59.0 15 3.6 146 34.6 42 10.0

Banking Status

Unbanked 30 7.0 20 68.6 8 26.4 1 5.0 20 67.1 7 22.9

Underbanked 75 17.8 75 100.0 0 0.0 0 0.0 69 91.2 27 36.2

Fully Banked 304 71.8 62 20.4 242 79.6 0 0.0 57 18.8 8 2.7

Banked but Underbanked Status Unknown 14 3.4 NA NA NA NA NA NA NA NA NA NA

Household Type

Family household 263 62.1 104 39.6 149 56.7 10 3.7 95 35.9 33 12.5

Female householder, no husband present 56 13.3 32 57.2 22 39.9 2 2.9 28 50.5 15 26.0

Male householder, no wife present 20 4.7 11 57.1 8 38.3 1 4.6 8 42.0 4 21.3

Married couple 187 44.1 61 32.4 119 63.7 7 3.9 58 30.9 14 7.5

Nonfamily household 160 37.7 54 33.5 101 63.0 6 3.5 51 32.0 9 5.9

Female householder 87 20.5 26 30.3 57 65.4 4 4.4 26 29.7 4 4.2

Male householder 73 17.2 27 37.4 44 60.2 2 2.4 25 34.8 6 7.9

Other 1 0.1 NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 30 7.0 21 71.5 8 25.5 1 3.0 19 65.6 7 24.9

Hispanic non-Black 30 7.1 20 67.0 10 33.0 - - 20 65.3 8 26.7

White non-Black non-Hispanic 351 82.8 112 32.0 225 64.3 13 3.7 103 29.5 25 7.1

Other non-Black non-Hispanic 13 3.1 NA NA NA NA NA NA NA NA NA NA

Age

15 to 34 years 75 17.7 35 46.2 39 51.6 2 2.2 32 43.3 12 15.6

35 to 44 years 78 18.4 30 38.6 45 58.1 3 3.3 27 35.2 10 13.1

45 to 54 years 80 19.0 36 44.7 42 51.8 3 3.6 31 39.0 11 13.3

55 to 64 years 87 20.4 30 34.3 55 63.4 2 2.3 28 31.9 8 9.5

65 years or more 104 24.6 28 27.1 70 66.9 6 6.0 28 26.6 2 1.6

Education

No high school degree 68 16.0 35 52.1 31 45.2 2 2.6 30 44.8 12 17.8

High school degree 116 27.3 52 45.1 62 53.6 2 1.3 50 42.9 12 10.7

Some college 100 23.6 36 35.8 59 59.3 5 4.9 33 33.1 12 12.5

College degree 140 33.1 35 25.1 98 69.9 7 5.0 33 23.8 6 3.9

Household Income

Less than $15,000 74 17.6 37 49.6 34 46.1 3 4.3 34 45.3 13 18.1

Between $15,000 and $30,000 67 15.8 29 43.9 36 53.9 1 2.2 26 39.1 11 15.9

Between $30,000 and $50,000 83 19.6 31 37.7 49 58.7 3 3.5 29 35.0 10 11.7

Between $50,000 and $75,000 79 18.6 24 31.0 51 65.5 3 3.5 23 28.8 4 4.7

At Least $75,000 121 28.5 36 30.2 79 65.8 5 4.1 35 28.9 5 4.0

Homeownership

Homeowner 268 63.4 74 27.7 182 67.8 12 4.5 72 26.8 9 3.5

Non-homeowner 155 36.6 84 54.2 68 43.8 3 2.0 74 47.9 33 21.3

Notes:

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund anticipation loans.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-160 Timing of AFS Use by Household Characteristic: Rhode Island

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 Daysb In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Used AFS in the Last 

Year

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 423 100.0 43 10.2 47 11.0 68 16.2 250 59.0 15 3.6 90 21.2

Banking Status

Unbanked 30 7.0 11 37.1 4 12.0 6 19.5 8 26.4 1 5.0 15 49.1

Underbanked 75 17.8 32 42.7 43 57.3 0 0.0 0 0.0 0 0.0 75 100.0

Fully Banked 304 71.8 0 0.0 0 0.0 62 20.4 242 79.6 0 0.0 0 0.0

Banked but Underbanked Status Unknown 14 3.4 0 0.0 0 0.0 NA NA 0 0.0 NA NA 0 0.0

Household Type

Family household 263 62.1 29 10.9 29 11.2 46 17.5 149 56.7 10 3.7 58 22.1

Female householder, no husband present 56 13.3 12 20.8 8 14.7 12 21.8 22 39.9 2 2.9 20 35.4

Male householder, no wife present 20 4.7 2 8.8 3 16.8 6 31.5 8 38.3 1 4.6 5 25.5

Married couple 187 44.1 15 8.2 18 9.5 28 14.7 119 63.7 7 3.9 33 17.7

Nonfamily household 160 37.7 14 9.0 17 10.9 22 13.6 101 63.0 6 3.5 32 19.9

Female householder 87 20.5 7 8.5 6 7.5 12 14.3 57 65.4 4 4.4 14 16.0

Male householder 73 17.2 7 9.7 11 15.0 9 12.7 44 60.2 2 2.4 18 24.7

Other 1 0.1 NA NA NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 30 7.0 9 31.4 6 21.5 6 18.5 8 25.5 1 3.0 16 52.9

Hispanic non-Black 30 7.1 8 28.0 6 19.7 6 19.2 10 33.0 - - 14 47.8

White non-Black non-Hispanic 351 82.8 24 6.8 33 9.4 55 15.8 225 64.3 13 3.7 57 16.2

Other non-Black non-Hispanic 13 3.1 NA NA NA NA NA NA NA NA NA NA NA NA

Age

15 to 34 years 75 17.7 9 12.7 12 16.6 13 17.0 39 51.6 2 2.2 22 29.3

35 to 44 years 78 18.4 10 13.5 7 9.1 12 16.0 45 58.1 3 3.3 18 22.6

45 to 54 years 80 19.0 10 12.5 8 10.0 18 22.2 42 51.8 3 3.6 18 22.4

55 to 64 years 87 20.4 7 8.1 10 11.7 13 14.5 55 63.4 2 2.3 17 19.8

65 years or more 104 24.6 6 6.0 9 8.8 13 12.3 70 66.9 6 6.0 15 14.8

Education

No high school degree 68 16.0 14 20.0 10 15.0 12 17.1 31 45.2 2 2.6 24 35.0

High school degree 116 27.3 15 13.0 14 12.5 23 19.6 62 53.6 2 1.3 30 25.5

Some college 100 23.6 10 10.3 12 11.6 14 13.8 59 59.3 5 4.9 22 21.9

College degree 140 33.1 4 3.0 11 7.5 20 14.5 98 69.9 7 5.0 15 10.6

Household Income

Less than $15,000 74 17.6 14 19.3 9 11.5 14 18.8 34 46.1 3 4.3 23 30.8

Between $15,000 and $30,000 67 15.8 10 14.7 8 11.5 12 17.7 36 53.9 1 2.2 18 26.2

Between $30,000 and $50,000 83 19.6 8 10.0 13 15.2 10 12.6 49 58.7 3 3.5 21 25.2

Between $50,000 and $75,000 79 18.6 4 4.5 7 9.1 14 17.5 51 65.5 3 3.5 11 13.6

At Least $75,000 121 28.5 7 5.9 11 9.0 18 15.3 79 65.8 5 4.1 18 14.9

Homeownership

Homeowner 268 63.4 14 5.1 23 8.7 37 13.9 182 67.8 12 4.5 37 13.8

Non-homeowner 155 36.6 30 19.1 23 15.0 31 20.1 68 43.8 3 2.0 53 34.1

Notes

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as 

having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 

months. The unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use 

rent-to-own agreements or refund anticipation loans in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-161 Use of AFS by Banking Status: South Carolina

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 1,787 100.0 166 100.0 369 100.0 1,219 100.0 NA NA

Any AFS

Has Ever Used 864 48.4 133 80.1 369 100.0 353 29.0 NA NA

Has Never Used 887 49.6 21 12.8 0 0.0 865 71.0 NA NA

Unknown 36 2.0 12 7.1 0 0.0 0 0.0 NA NA

Non-Bank Money Order

Has Ever Used 712 39.9 115 69.6 313 84.9 274 22.5 NA NA

Has Never Used 1,049 58.7 39 23.4 56 15.1 944 77.5 NA NA

Unknown 26 1.4 12 7.1 - - 0 0.0 NA NA

Non-Bank Check Cashing

Has Ever Used 334 18.7 95 57.3 159 43.0 80 6.6 NA NA

Has Never Used 1,435 80.3 59 35.6 210 57.0 1,138 93.4 NA NA

Unknown 18 1.0 12 7.1 - - 0 0.0 NA NA

Non-Bank Remittances

Has Ever Used 51 2.9 6 3.8 30 8.1 15 1.3 NA NA

Has Never Used 1,708 95.6 148 89.2 339 91.9 1,203 98.7 NA NA

Unknown 28 1.6 12 7.1 - - 0 0.0 NA NA

Payday Lending

Has Ever Used 116 6.5 5 3.2 82 22.4 28 2.3 NA NA

Has Never Used 1,634 91.4 146 87.8 286 77.6 1,190 97.7 NA NA

Unknown 37 2.1 15 9.0 - - 0 0.0 NA NA

Pawn Shops

Has Ever Used 160 8.9 29 17.5 85 23.1 46 3.7 NA NA

Has Never Used 1,590 89.0 122 73.5 283 76.9 1,173 96.3 NA NA

Unknown 37 2.1 15 9.0 - - 0 0.0 NA NA

Rent-to-Own

Has Ever Used 106 5.9 22 13.2 68 18.6 16 1.3 NA NA

Has Never Used 1,642 91.9 129 77.9 300 81.4 1,203 98.7 NA NA

Unknown 39 2.2 15 9.0 - - 0 0.0 NA NA

Refund Anticipation Loans

Has Ever Used 122 6.8 20 12.1 70 19.1 29 2.3 NA NA

Has Never Used 1,626 91.0 131 78.9 296 80.3 1,190 97.7 NA NA

Unknown 38 2.2 15 9.0 2 0.6 0 0.0 NA NA

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated 

that the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-162 Timing of AFS Use by Banking Status: South Carolina

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 1,787 100.0 166 100.0 369 100.0 1,219 100.0 NA NA

Any AFS

In Last 30 Days 233 13.1 55 32.9 179 48.5 0 0.0 NA NA

In Last 2-12 Months 245 13.7 55 33.3 190 51.5 0 0.0 NA NA

Not in the Last 12 Months 386 21.6 23 14.0 0 0.0 353 29.0 NA NA

Never Used 887 49.6 21 12.8 0 0.0 865 71.0 NA NA

Unknown 36 2.0 12 7.1 0 0.0 0 0.0 NA NA

Non-Bank Money Order

In Last 30 Days 179 10.0 40 24.4 138 37.5 0 0.0 NA NA

In Last 2-12 Months 193 10.8 50 29.9 143 38.8 0 0.0 NA NA

Not in the Last 12 Months 341 19.1 25 15.2 32 8.6 274 22.5 NA NA

Never Used 1,049 58.7 39 23.4 56 15.1 944 77.5 NA NA

Unknown 26 1.4 12 7.1 - - - - NA NA

Non-Bank Check Cashing

In Last 30 Days 90 5.0 32 19.5 57 15.5 0 0.0 NA NA

In Last 2-12 Months 93 5.2 45 27.0 48 13.0 0 0.0 NA NA

Not in the Last 12 Months 152 8.5 18 10.9 53 14.5 80 6.6 NA NA

Never Used 1,435 80.3 59 35.6 210 57.0 1,138 93.4 NA NA

Unknown 18 1.0 12 7.1 - - - - NA NA

Non-Bank Remittances

In Last 30 Days 7 0.4 - - 7 1.9 0 0.0 NA NA

In Last 2-12 Months 11 0.6 - - 11 3.1 0 0.0 NA NA

Not in the Last 12 Months 33 1.8 6 3.8 11 3.1 15 1.3 NA NA

Never Used 1,708 95.6 148 89.2 339 91.9 1,203 98.7 NA NA

Unknown 28 1.6 12 7.1 - - - - NA NA

Payday Lending

In Last 30 Days 16 0.9 - - 16 4.3 0 0.0 NA NA

In Last 2-12 Months 17 0.9 3 1.8 14 3.7 0 0.0 NA NA

Not in the Last 12 Months 84 4.7 2 1.4 53 14.3 28 2.3 NA NA

Never Used 1,634 91.4 146 87.8 286 77.6 1,190 97.7 NA NA

Unknown 37 2.1 15 9.0 - - - - NA NA
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-162 Timing of AFS Use by Banking Status: South Carolina

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Pawn Shops

In Last 30 Days 9 0.5 - - 9 2.4 0 0.0 NA NA

In Last 2-12 Months 45 2.5 11 6.7 34 9.2 0 0.0 NA NA

Not in the Last 12 Months 106 5.9 18 10.8 42 11.5 46 3.7 NA NA

Never Used 1,590 89.0 122 73.5 283 76.9 1,173 96.3 NA NA

Unknown 37 2.1 15 9.0 - - - - NA NA

Rent-to-Owna

Used in last 12 months 52 2.9 6 3.5 46 12.5 0 0.0 NA NA

Used but not in last 12 months 54 3.0 16 9.6 22 6.1 16 1.3 NA NA

Never Used 1,642 91.9 129 77.9 300 81.4 1,203 98.7 NA NA

Unknown 39 2.2 15 9.0 - - - - NA NA

Refund Anticipation Loansa

Used in last 12 months 43 2.4 3 1.8 40 11.0 0 0.0 NA NA

Used but not in last 12 months 79 4.4 17 10.4 30 8.1 29 2.3 NA NA

Never Used 1,626 91.0 131 78.9 296 80.3 1,190 97.7 NA NA

Unknown 38 2.2 15 9.0 2 0.6 - - NA NA

Notes:

Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are 

categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as 

having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. a Households were not asked whether they used these AFS products in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-163 Use of AFS by Household Characteristic: South Carolina

Household Characteristic

All Households

Use of AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used a 

Transaction AFS Ever Used a Credit AFS

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 1,787 100.0 864 48.4 887 49.6 36 2.0 810 45.3 307 17.2

Banking Status

Unbanked 166 9.3 133 80.1 21 12.8 12 7.1 130 78.2 58 34.9

Underbanked 369 20.6 369 100.0 0 0.0 0 0.0 349 94.8 161 43.7

Fully Banked 1,219 68.2 353 29.0 865 71.0 0 0.0 321 26.4 85 7.0

Banked but Underbanked Status Unknown 34 1.9 NA NA NA NA NA NA NA NA NA NA

Household Type

Family household 1,237 69.2 641 51.8 576 46.5 20 1.6 601 48.5 228 18.4

Female householder, no husband present 314 17.6 221 70.4 90 28.7 3 0.9 204 64.9 123 39.1

Male householder, no wife present 101 5.6 58 57.8 39 39.1 3 3.1 56 55.7 15 14.4

Married couple 823 46.0 362 44.0 446 54.2 14 1.7 341 41.4 90 11.0

Nonfamily household 547 30.6 220 40.3 311 56.8 16 2.9 207 37.8 79 14.5

Female householder 312 17.5 112 35.9 189 60.6 11 3.5 104 33.1 32 10.2

Male householder 235 13.1 108 46.1 122 51.8 5 2.1 103 44.0 48 20.3

Other 3 0.1 NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 504 28.2 359 71.4 138 27.5 6 1.2 354 70.2 133 26.3

Hispanic non-Black 56 3.1 NA NA NA NA NA NA NA NA NA NA

White non-Black non-Hispanic 1,199 67.1 467 38.9 708 59.1 24 2.0 420 35.1 165 13.8

Other non-Black non-Hispanic 29 1.6 NA NA NA NA NA NA NA NA NA NA

Age

15 to 34 years 402 22.5 216 53.9 182 45.3 3 0.8 198 49.2 91 22.6

35 to 44 years 278 15.5 149 53.7 124 44.5 5 1.8 146 52.5 61 21.8

45 to 54 years 361 20.2 184 50.8 175 48.4 3 0.8 170 47.0 75 20.7

55 to 64 years 366 20.5 170 46.5 188 51.3 8 2.2 162 44.3 46 12.5

65 years or more 381 21.3 145 38.1 219 57.5 17 4.4 134 35.3 35 9.2

Education

No high school degree 258 14.4 148 57.5 98 38.0 12 4.5 148 57.5 45 17.5

High school degree 600 33.6 317 52.9 270 44.9 13 2.1 284 47.2 123 20.5

Some college 478 26.7 234 49.1 241 50.4 2 0.5 219 45.9 94 19.6

College degree 451 25.3 164 36.4 278 61.6 9 2.0 159 35.3 45 10.0

Household Income

Less than $15,000 339 19.0 210 62.0 126 37.1 3 0.9 197 58.1 83 24.3

Between $15,000 and $30,000 408 22.8 221 54.3 167 41.0 19 4.7 205 50.3 80 19.7

Between $30,000 and $50,000 406 22.7 193 47.6 208 51.2 5 1.2 182 44.9 88 21.7

Between $50,000 and $75,000 340 19.0 119 35.0 216 63.6 5 1.4 114 33.5 25 7.4

At Least $75,000 295 16.5 121 40.9 170 57.6 4 1.5 112 38.0 31 10.5

Homeownership

Homeowner 1,321 73.9 587 44.4 704 53.3 30 2.3 540 40.9 186 14.1

Non-homeowner 467 26.1 278 59.5 183 39.2 6 1.2 270 57.8 121 26.0

Notes:

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund 

anticipation loans.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-164 Timing of AFS Use by Household Characteristic: South Carolina

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 Daysb In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Used AFS in the Last 

Year

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 1,787 100.0 233 13.1 245 13.7 386 21.6 887 49.6 36 2.0 478 26.8

Banking Status

Unbanked 166 9.3 55 32.9 55 33.3 23 14.0 21 12.8 12 7.1 110 66.2

Underbanked 369 20.6 179 48.5 190 51.5 0 0.0 0 0.0 0 0.0 369 100.0

Fully Banked 1,219 68.2 0 0.0 0 0.0 353 29.0 865 71.0 0 0.0 0 0.0

Banked but Underbanked Status Unknown 34 1.9 0 0.0 0 0.0 NA NA 0 0.0 NA NA 0 0.0

Household Type

Family household 1,237 69.2 167 13.5 192 15.5 282 22.8 576 46.5 20 1.6 359 29.0

Female householder, no husband present 314 17.6 100 31.9 70 22.4 50 16.1 90 28.7 3 0.9 171 54.3

Male householder, no wife present 101 5.6 27 27.1 19 18.8 12 11.9 39 39.1 3 3.1 46 45.9

Married couple 823 46.0 39 4.8 103 12.5 220 26.7 446 54.2 14 1.7 142 17.3

Nonfamily household 547 30.6 66 12.1 53 9.7 101 18.5 311 56.8 16 2.9 119 21.8

Female householder 312 17.5 32 10.3 23 7.2 57 18.4 189 60.6 11 3.5 55 17.6

Male householder 235 13.1 34 14.5 30 12.9 44 18.6 122 51.8 5 2.1 64 27.4

Other 3 0.1 NA NA NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 504 28.2 151 30.1 100 19.9 108 21.4 138 27.5 6 1.2 251 49.9

Hispanic non-Black 56 3.1 NA NA NA NA NA NA NA NA NA NA NA NA

White non-Black non-Hispanic 1,199 67.1 72 6.0 132 11.0 262 21.9 708 59.1 24 2.0 204 17.0

Other non-Black non-Hispanic 29 1.6 NA NA NA NA NA NA NA NA NA NA NA NA

Age

15 to 34 years 402 22.5 73 18.1 48 12.0 96 23.8 182 45.3 3 0.8 121 30.1

35 to 44 years 278 15.5 46 16.6 46 16.6 57 20.5 124 44.5 5 1.8 92 33.2

45 to 54 years 361 20.2 50 13.9 78 21.5 56 15.4 175 48.4 3 0.8 128 35.4

55 to 64 years 366 20.5 36 9.8 41 11.3 93 25.4 188 51.3 8 2.2 77 21.1

65 years or more 381 21.3 29 7.5 31 8.2 85 22.4 219 57.5 17 4.4 60 15.7

Education

No high school degree 258 14.4 53 20.5 49 19.0 46 17.9 98 38.0 12 4.5 102 39.5

High school degree 600 33.6 93 15.6 100 16.6 124 20.7 270 44.9 13 2.1 193 32.2

Some college 478 26.7 55 11.6 64 13.5 115 24.0 241 50.4 2 0.5 119 25.0

College degree 451 25.3 32 7.1 32 7.0 101 22.3 278 61.6 9 2.0 64 14.1

Household Income

Less than $15,000 339 19.0 74 21.7 84 24.9 52 15.5 126 37.1 3 0.9 158 46.6

Between $15,000 and $30,000 408 22.8 66 16.3 61 15.1 94 23.0 167 41.0 19 4.7 128 31.3

Between $30,000 and $50,000 406 22.7 69 16.9 42 10.4 82 20.2 208 51.2 5 1.2 111 27.4

Between $50,000 and $75,000 340 19.0 6 1.9 28 8.3 84 24.8 216 63.6 5 1.4 35 10.2

At Least $75,000 295 16.5 18 6.2 29 9.7 73 24.9 170 57.6 4 1.5 47 16.0

Homeownership

Homeowner 1,321 73.9 96 7.2 177 13.4 314 23.8 704 53.3 30 2.3 273 20.7

Non-homeowner 467 26.1 138 29.5 68 14.5 72 15.4 183 39.2 6 1.2 206 44.1

Notes:

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as 

having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 

months. The unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use 

rent-to-own agreements or refund anticipation loans in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-165 Use of AFS by Banking Status: South Dakota

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 329 100.0 15 100.0 72 100.0 236 100.0 NA NA

Any AFS

Has Ever Used 146 44.3 13 87.0 72 100.0 60 25.4 NA NA

Has Never Used 177 53.8 1 8.5 0 0.0 176 74.6 NA NA

Unknown 6 1.9 1 4.5 0 0.0 0 0.0 NA NA

Non-Bank Money Order

Has Ever Used 100 30.3 11 74.5 49 67.1 40 16.9 NA NA

Has Never Used 227 68.8 3 21.1 24 32.9 196 83.1 NA NA

Unknown 3 1.0 1 4.5 - - 0 0.0 NA NA

Non-Bank Check Cashing

Has Ever Used 59 18.0 7 46.3 32 44.7 20 8.5 NA NA

Has Never Used 267 81.2 7 49.2 40 54.7 216 91.5 NA NA

Unknown 3 0.9 1 4.5 - - 0 0.0 NA NA

Non-Bank Remittances

Has Ever Used 12 3.5 1 4.9 7 9.7 4 1.7 NA NA

Has Never Used 314 95.4 13 90.7 65 90.3 232 98.3 NA NA

Unknown 3 1.0 1 4.5 - - 0 0.0 NA NA

Payday Lending

Has Ever Used 20 6.1 3 18.0 15 20.1 3 1.1 NA NA

Has Never Used 306 93.0 11 77.5 58 79.9 233 98.9 NA NA

Unknown 3 1.0 1 4.5 - - 0 0.0 NA NA

Pawn Shops

Has Ever Used 36 11.1 6 38.3 23 31.1 8 3.2 NA NA

Has Never Used 290 87.9 8 57.3 50 68.9 228 96.8 NA NA

Unknown 3 1.0 1 4.5 - - 0 0.0 NA NA

Rent-to-Own

Has Ever Used 19 5.9 2 13.5 16 21.4 2 0.8 NA NA

Has Never Used 305 92.6 12 82.0 57 78.6 234 99.2 NA NA

Unknown 5 1.5 1 4.5 - - 0 0.0 NA NA

Refund Anticipation Loans

Has Ever Used 21 6.4 3 19.5 12 16.5 6 2.6 NA NA

Has Never Used 302 91.8 11 76.0 60 83.5 230 97.4 NA NA

Unknown 6 1.9 1 4.5 - - 0 0.0 NA NA

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-166 Timing of AFS Use by Banking Status: South Dakota

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 329 100.0 15 100.0 72 100.0 236 100.0 NA NA

Any AFS

In Last 30 Days 40 12.0 10 65.9 30 41.4 0 0.0 NA NA

In Last 2-12 Months 45 13.5 2 14.5 42 58.6 0 0.0 NA NA

Not in the Last 12 Months 62 18.8 1 6.6 0 0.0 60 25.4 NA NA

Never Used 177 53.8 1 8.5 0 0.0 176 74.6 NA NA

Unknown 6 1.9 1 4.5 0 0.0 0 0.0 NA NA

Non-Bank Money Order

In Last 30 Days 23 7.0 7 45.9 16 22.3 0 0.0 NA NA

In Last 2-12 Months 27 8.3 3 21.6 24 33.6 0 0.0 NA NA

Not in the Last 12 Months 49 15.0 1 6.9 8 11.2 40 16.9 NA NA

Never Used 227 68.8 3 21.1 24 32.9 196 83.1 NA NA

Unknown 3 1.0 1 4.5 - - - - NA NA

Non-Bank Check Cashing

In Last 30 Days 15 4.7 4 30.0 11 15.2 0 0.0 NA NA

In Last 2-12 Months 19 5.9 2 16.3 17 23.5 0 0.0 NA NA

Not in the Last 12 Months 24 7.4 - - 4 6.0 20 8.5 NA NA

Never Used 267 81.2 7 49.2 40 54.7 216 91.5 NA NA

Unknown 3 0.9 1 4.5 - - - - NA NA

Non-Bank Remittances

In Last 30 Days 2 0.7 - - 2 2.7 0 0.0 NA NA

In Last 2-12 Months 4 1.2 - - 4 5.2 0 0.0 NA NA

Not in the Last 12 Months 6 1.7 - - 1 1.7 4 1.7 NA NA

Never Used 314 95.4 13 90.7 65 90.3 232 98.3 NA NA

Unknown 3 1.0 1 4.5 - - - - NA NA

Payday Lending

In Last 30 Days 5 1.6 1 6.6 4 5.8 0 0.0 NA NA

In Last 2-12 Months 6 1.7 1 5.2 5 6.9 0 0.0 NA NA

Not in the Last 12 Months 9 2.7 1 6.2 5 7.5 3 1.1 NA NA

Never Used 306 93.0 11 77.5 58 79.9 233 98.9 NA NA

Unknown 3 1.0 1 4.5 - - - - NA NA
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-166 Timing of AFS Use by Banking Status: South Dakota

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Pawn Shops

In Last 30 Days 6 1.8 1 9.0 5 6.6 0 0.0 NA NA

In Last 2-12 Months 9 2.8 3 21.3 6 8.5 0 0.0 NA NA

Not in the Last 12 Months 21 6.4 1 8.1 12 16.1 8 3.2 NA NA

Never Used 290 87.9 8 57.3 50 68.9 228 96.8 NA NA

Unknown 3 1.0 1 4.5 - - - - NA NA

Rent-to-Owna

Used in last 12 months 9 2.7 1 8.8 8 10.6 0 0.0 NA NA

Used but not in last 12 months 10 3.2 1 4.7 8 10.9 2 0.8 NA NA

Never Used 305 92.6 12 82.0 57 78.6 234 99.2 NA NA

Unknown 5 1.5 1 4.5 - - - - NA NA

Refund Anticipation Loansa

Used in last 12 months 6 2.0 1 6.5 6 7.6 0 0.0 NA NA

Used but not in last 12 months 15 4.4 2 13.0 6 8.9 6 2.6 NA NA

Never Used 302 91.8 11 76.0 60 83.5 230 97.4 NA NA

Unknown 6 1.9 1 4.5 - - - - NA NA

Notes:

Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are 

categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as 

having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. a Households were not asked whether they used these AFS products in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-167 Use of AFS by Household Characteristic: South Dakota

Household Characteristic

All Households

Use of AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used a 

Transaction AFS Ever Used a Credit AFS

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 329 100.0 146 44.3 177 53.8 6 1.9 130 39.4 62 19.0

Banking Status

Unbanked 15 4.4 13 87.0 1 8.5 1 4.5 12 85.0 7 47.7

Underbanked 72 22.0 72 100.0 0 0.0 0 0.0 65 89.1 38 53.0

Fully Banked 236 71.6 60 25.4 176 74.6 0 0.0 52 22.2 16 6.9

Banked but Underbanked Status Unknown 6 1.9 NA NA NA NA NA NA NA NA NA NA

Household Type

Family household 212 64.5 92 43.3 116 54.4 5 2.3 82 38.7 43 20.0

Female householder, no husband present 40 12.1 23 58.5 16 39.1 1 2.4 22 55.8 14 34.5

Male householder, no wife present 16 4.9 9 53.0 7 44.8 - - 6 40.1 6 39.8

Married couple 156 47.4 60 38.4 93 59.4 4 2.3 53 34.2 22 14.3

Nonfamily household 116 35.2 54 46.6 61 52.2 1 1.1 47 40.8 20 17.2

Female householder 59 17.9 28 47.3 31 52.1 - - 24 41.4 9 15.5

Male householder 57 17.3 26 46.0 30 52.4 1 1.6 23 40.3 11 18.9

Other 1 0.3 NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 4 1.2 NA NA NA NA NA NA NA NA NA NA

Hispanic non-Black 4 1.2 NA NA NA NA NA NA NA NA NA NA

White non-Black non-Hispanic 299 90.7 125 41.8 168 56.4 6 1.9 110 36.7 51 17.2

Other non-Black non-Hispanic 23 6.9 15 67.4 7 29.8 1 2.9 14 62.3 9 37.5

Age

15 to 34 years 73 22.3 36 49.1 36 48.9 1 2.0 29 39.1 23 30.7

35 to 44 years 57 17.3 26 45.3 31 54.0 - - 23 40.3 13 23.5

45 to 54 years 65 19.6 35 54.3 28 43.8 1 1.9 31 47.6 15 24.0

55 to 64 years 56 17.1 23 40.0 32 56.0 2 4.0 22 38.8 6 11.0

65 years or more 78 23.7 27 34.0 51 64.8 1 1.1 25 32.5 5 6.2

Education

No high school degree 29 8.8 18 62.8 11 37.2 - - 17 57.7 7 23.3

High school degree 110 33.4 48 44.1 59 53.3 3 2.6 41 37.5 21 19.6

Some college 103 31.4 53 51.5 48 46.1 2 2.4 47 45.7 24 22.8

College degree 87 26.5 26 30.0 60 68.9 1 1.1 25 28.2 11 12.3

Household Income

Less than $15,000 52 15.8 31 60.3 20 39.1 - - 27 51.5 15 29.5

Between $15,000 and $30,000 66 20.2 33 50.0 32 48.2 1 1.8 30 45.3 14 21.8

Between $30,000 and $50,000 88 26.7 43 49.2 43 49.2 1 1.6 39 44.5 19 21.9

Between $50,000 and $75,000 59 17.9 19 32.0 39 65.9 1 2.1 17 28.5 8 12.9

At Least $75,000 64 19.4 19 30.1 43 66.7 2 3.2 17 26.3 6 9.1

Homeownership

Homeowner 232 70.5 85 36.4 143 61.5 5 2.0 76 32.6 31 13.2

Non-homeowner 97 29.5 61 63.3 34 35.2 1 1.5 54 55.4 32 32.8

Notes:

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund 

anticipation loans.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-168 Timing of AFS Use by Household Characteristic: South Dakota

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 Daysb In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Used AFS in the Last 

Year

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 329 100.0 40 12.0 45 13.5 62 18.8 177 53.8 6 1.9 84 25.6

Banking Status

Unbanked 15 4.4 10 65.9 2 14.5 1 6.6 1 8.5 1 4.5 12 80.4

Underbanked 72 22.0 30 41.4 42 58.6 0 0.0 0 0.0 0 0.0 72 100.0

Fully Banked 236 71.6 0 0.0 0 0.0 60 25.4 176 74.6 0 0.0 0 0.0

Banked but Underbanked Status Unknown 6 1.9 0 0.0 0 0.0 NA NA 0 0.0 NA NA 0 0.0

Household Type

Family household 212 64.5 25 11.7 29 13.6 38 17.9 116 54.4 5 2.3 54 25.3

Female householder, no husband present 40 12.1 9 23.5 6 16.0 8 19.0 16 39.1 1 2.4 16 39.5

Male householder, no wife present 16 4.9 3 17.8 5 28.1 1 7.1 7 44.8 - - 7 45.9

Married couple 156 47.4 13 8.0 18 11.5 29 18.8 93 59.4 4 2.3 31 19.6

Nonfamily household 116 35.2 15 12.8 16 13.4 24 20.4 61 52.2 1 1.1 30 26.2

Female householder 59 17.9 7 11.0 9 14.7 13 21.5 31 52.1 - - 15 25.7

Male householder 57 17.3 8 14.6 7 12.1 11 19.3 30 52.4 1 1.6 15 26.7

Other 1 0.3 NA NA NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 4 1.2 NA NA NA NA NA NA NA NA NA NA NA NA

Hispanic non-Black 4 1.2 NA NA NA NA NA NA NA NA NA NA NA NA

White non-Black non-Hispanic 299 90.7 28 9.5 37 12.5 59 19.8 168 56.4 6 1.9 66 22.0

Other non-Black non-Hispanic 23 6.9 8 34.1 5 22.9 2 10.3 7 29.8 1 2.9 13 57.1

Age

15 to 34 years 73 22.3 9 12.2 15 20.6 12 16.3 36 48.9 1 2.0 24 32.8

35 to 44 years 57 17.3 8 14.4 7 13.2 10 17.7 31 54.0 - - 16 27.6

45 to 54 years 65 19.6 11 17.4 11 17.6 12 19.2 28 43.8 1 1.9 23 35.1

55 to 64 years 56 17.1 7 12.8 6 10.3 10 16.9 32 56.0 2 4.0 13 23.1

65 years or more 78 23.7 4 5.2 5 6.1 18 22.8 51 64.8 1 1.1 9 11.2

Education

No high school degree 29 8.8 6 21.6 4 13.7 8 27.5 11 37.2 - - 10 35.2

High school degree 110 33.4 13 12.2 15 13.7 20 18.2 59 53.3 3 2.6 28 25.9

Some college 103 31.4 15 14.1 18 17.0 21 20.4 48 46.1 2 2.4 32 31.1

College degree 87 26.5 5 6.3 8 9.1 13 14.6 60 68.9 1 1.1 13 15.4

Household Income

Less than $15,000 52 15.8 11 21.2 10 18.7 11 20.4 20 39.1 - - 21 39.9

Between $15,000 and $30,000 66 20.2 11 16.1 9 13.0 14 20.8 32 48.2 1 1.8 19 29.2

Between $30,000 and $50,000 88 26.7 12 13.1 14 15.9 18 20.2 43 49.2 1 1.6 26 29.0

Between $50,000 and $75,000 59 17.9 4 7.0 6 10.8 8 14.3 39 65.9 1 2.1 10 17.7

At Least $75,000 64 19.4 2 3.6 6 9.1 11 17.4 43 66.7 2 3.2 8 12.7

Homeownership

Homeowner 232 70.5 18 7.5 25 10.9 42 18.0 143 61.5 5 2.0 43 18.5

Non-homeowner 97 29.5 22 22.8 19 19.8 20 20.7 34 35.2 1 1.5 41 42.6

Notes:

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as 

having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 

months. The unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use 

rent-to-own agreements or refund anticipation loans in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-169 Use of AFS by Banking Status: Tennessee

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 2,605 100.0 283 100.0 473 100.0 1,818 100.0 NA NA

Any AFS

Has Ever Used 1,114 42.8 264 93.3 473 100.0 378 20.8 NA NA

Has Never Used 1,459 56.0 19 6.7 0 0.0 1,440 79.2 NA NA

Unknown 31 1.2 - - 0 0.0 0 0.0 NA NA

Non-Bank Money Order

Has Ever Used 859 33.0 215 76.2 379 80.1 265 14.6 NA NA

Has Never Used 1,729 66.4 67 23.8 90 19.1 1,553 85.4 NA NA

Unknown 17 0.7 - - 4 0.8 0 0.0 NA NA

Non-Bank Check Cashing

Has Ever Used 437 16.8 185 65.4 172 36.3 80 4.4 NA NA

Has Never Used 2,144 82.3 98 34.6 293 62.0 1,738 95.6 NA NA

Unknown 23 0.9 - - 8 1.7 0 0.0 NA NA

Non-Bank Remittances

Has Ever Used 97 3.7 34 12.2 35 7.5 27 1.5 NA NA

Has Never Used 2,490 95.6 248 87.8 437 92.5 1,791 98.5 NA NA

Unknown 18 0.7 - - - - 0 0.0 NA NA

Payday Lending

Has Ever Used 177 6.8 33 11.5 120 25.4 24 1.3 NA NA

Has Never Used 2,398 92.1 244 86.4 353 74.6 1,794 98.7 NA NA

Unknown 30 1.1 6 2.1 - - 0 0.0 NA NA

Pawn Shops

Has Ever Used 280 10.7 110 38.8 139 29.3 31 1.7 NA NA

Has Never Used 2,294 88.1 165 58.2 330 69.8 1,787 98.3 NA NA

Unknown 31 1.2 8 3.0 4 0.9 0 0.0 NA NA

Rent-to-Own

Has Ever Used 135 5.2 54 19.3 74 15.6 7 0.4 NA NA

Has Never Used 2,438 93.6 219 77.4 395 83.5 1,811 99.6 NA NA

Unknown 32 1.2 9 3.3 4 0.9 0 0.0 NA NA

Refund Anticipation Loans

Has Ever Used 149 5.7 51 18.0 78 16.5 20 1.1 NA NA

Has Never Used 2,419 92.9 227 80.4 391 82.6 1,798 98.9 NA NA

Unknown 37 1.4 5 1.6 4 0.9 0 0.0 NA NA

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-170 Timing of AFS Use by Banking Status: Tennessee

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 2,605 100.0 283 100.0 473 100.0 1,818 100.0 NA NA

Any AFS

In Last 30 Days 314 12.1 169 59.8 145 30.7 0 0.0 NA NA

In Last 2-12 Months 400 15.4 73 25.7 327 69.3 0 0.0 NA NA

Not in the Last 12 Months 400 15.3 22 7.8 0 0.0 378 20.8 NA NA

Never Used 1,459 56.0 19 6.7 0 0.0 1,440 79.2 NA NA

Unknown 31 1.2 - - 0 0.0 0 0.0 NA NA

Non-Bank Money Order

In Last 30 Days 167 6.4 96 34.1 71 15.0 0 0.0 NA NA

In Last 2-12 Months 334 12.8 86 30.5 248 52.4 0 0.0 NA NA

Not in the Last 12 Months 358 13.7 33 11.7 60 12.7 265 14.6 NA NA

Never Used 1,729 66.4 67 23.8 90 19.1 1,553 85.4 NA NA

Unknown 17 0.7 - - 4 0.8 - - NA NA

Non-Bank Check Cashing

In Last 30 Days 134 5.1 100 35.4 34 7.2 0 0.0 NA NA

In Last 2-12 Months 136 5.2 42 15.0 94 19.9 0 0.0 NA NA

Not in the Last 12 Months 167 6.4 43 15.0 44 9.3 80 4.4 NA NA

Never Used 2,144 82.3 98 34.6 293 62.0 1,738 95.6 NA NA

Unknown 23 0.9 - - 8 1.7 - - NA NA

Non-Bank Remittances

In Last 30 Days 15 0.6 11 4.0 4 0.8 0 0.0 NA NA

In Last 2-12 Months 31 1.2 14 5.0 16 3.5 0 0.0 NA NA

Not in the Last 12 Months 50 1.9 9 3.1 15 3.2 27 1.5 NA NA

Never Used 2,490 95.6 248 87.8 437 92.5 1,791 98.5 NA NA

Unknown 18 0.7 - - - - - - NA NA

Payday Lending

In Last 30 Days 33 1.3 5 1.6 28 5.9 0 0.0 NA NA

In Last 2-12 Months 55 2.1 7 2.6 47 10.0 0 0.0 NA NA

Not in the Last 12 Months 89 3.4 21 7.3 45 9.4 24 1.3 NA NA

Never Used 2,398 92.1 244 86.4 353 74.6 1,794 98.7 NA NA

Unknown 30 1.1 6 2.1 - - - - NA NA
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-170 Timing of AFS Use by Banking Status: Tennessee

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Pawn Shops

In Last 30 Days 35 1.3 15 5.3 20 4.2 0 0.0 NA NA

In Last 2-12 Months 88 3.4 25 8.9 63 13.3 0 0.0 NA NA

Not in the Last 12 Months 157 6.0 69 24.5 56 11.8 31 1.7 NA NA

Never Used 2,294 88.1 165 58.2 330 69.8 1,787 98.3 NA NA

Unknown 31 1.2 8 3.0 4 0.9 - - NA NA

Rent-to-Owna

Used in last 12 months 39 1.5 17 6.0 22 4.8 0 0.0 NA NA

Used but not in last 12 months 96 3.7 38 13.3 51 10.8 7 0.4 NA NA

Never Used 2,438 93.6 219 77.4 395 83.5 1,811 99.6 NA NA

Unknown 32 1.2 9 3.3 4 0.9 - - NA NA

Refund Anticipation Loansa

Used in last 12 months 66 2.5 27 9.5 39 8.2 0 0.0 NA NA

Used but not in last 12 months 83 3.2 24 8.5 39 8.3 20 1.1 NA NA

Never Used 2,419 92.9 227 80.4 391 82.6 1,798 98.9 NA NA

Unknown 37 1.4 5 1.6 4 0.9 - - NA NA

Notes:

Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. a Households were not asked whether they used these AFS products in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-171 Use of AFS by Household Characteristic: Tennessee

Household Characteristic

All Households

Use of AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used a 

Transaction AFS Ever Used a Credit AFS

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct 

of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 2,605 100.0 1,114 42.8 1,459 56.0 31 1.2 1,006 38.6 442 17.0

Banking Status

Unbanked 283 10.9 264 93.3 19 6.7 - - 259 91.5 133 47.2

Underbanked 473 18.1 473 100.0 0 0.0 0 0.0 413 87.3 235 49.7

Fully Banked 1,818 69.8 378 20.8 1,440 79.2 0 0.0 334 18.4 74 4.0

Banked but Underbanked Status Unknown 31 1.2 NA NA NA NA NA NA NA NA NA NA

Household Type

Family household 1,713 65.8 745 43.5 946 55.2 22 1.3 682 39.8 308 18.0

Female householder, no husband present 386 14.8 241 62.5 144 37.5 - - 225 58.4 127 33.0

Male householder, no wife present 123 4.7 NA NA NA NA NA NA NA NA NA NA

Married couple 1,204 46.2 448 37.2 735 61.0 22 1.8 408 33.8 156 13.0

Nonfamily household 892 34.2 369 41.4 513 57.5 10 1.1 324 36.3 133 14.9

Female householder 494 19.0 174 35.2 316 63.9 5 0.9 160 32.4 46 9.3

Male householder 397 15.3 195 49.1 197 49.6 5 1.3 164 41.2 87 22.0

Race/Ethnicity

Black 427 16.4 237 55.5 185 43.2 5 1.2 220 51.5 101 23.7

Hispanic non-Black 54 2.1 NA NA NA NA NA NA NA NA NA NA

White non-Black non-Hispanic 2,075 79.7 823 39.7 1,225 59.1 26 1.3 737 35.5 330 15.9

Other non-Black non-Hispanic 49 1.9 NA NA NA NA NA NA NA NA NA NA

Age

15 to 34 years 580 22.3 333 57.4 239 41.2 8 1.5 295 50.8 175 30.2

35 to 44 years 477 18.3 218 45.8 255 53.5 4 0.8 204 42.8 94 19.8

45 to 54 years 537 20.6 241 44.8 286 53.3 10 1.8 216 40.2 74 13.7

55 to 64 years 488 18.8 191 39.1 292 59.9 5 1.0 173 35.3 69 14.1

65 years or more 523 20.1 131 25.1 387 74.0 5 0.9 118 22.7 29 5.6

Education

No high school degree 353 13.5 184 52.2 168 47.8 - - 173 49.0 50 14.2

High school degree 860 33.0 398 46.2 458 53.3 4 0.4 347 40.4 195 22.7

Some college 785 30.2 383 48.8 387 49.3 15 1.9 352 44.8 160 20.3

College degree 607 23.3 149 24.6 445 73.3 13 2.1 134 22.1 37 6.0

Household Income

Less than $15,000 482 18.5 287 59.6 190 39.5 5 0.9 272 56.5 121 25.0

Between $15,000 and $30,000 650 25.0 321 49.3 324 49.9 5 0.8 279 42.9 137 21.1

Between $30,000 and $50,000 601 23.1 251 41.7 346 57.6 4 0.6 208 34.6 109 18.2

Between $50,000 and $75,000 422 16.2 134 31.7 275 65.2 13 3.1 125 29.7 61 14.5

At Least $75,000 450 17.3 122 27.0 323 71.9 5 1.1 122 27.0 14 3.0

Homeownership

Homeowner 1,802 69.2 640 35.5 1,136 63.0 26 1.5 583 32.3 201 11.2

Non-homeowner 803 30.8 474 59.0 323 40.3 5 0.7 423 52.7 241 30.0

Notes:

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund 

anticipation loans.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-172 Timing of AFS Use by Household Characteristic: Tennessee

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 Daysb

In Last 2-12 

Months

Not in the Last 12 

Months Never Used Unknown

Used AFS in the Last 

Year

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 2,605 100.0 314 12.1 400 15.4 400 15.3 1,459 56.0 31 1.2 714 27.4

Banking Status

Unbanked 283 10.9 169 59.8 73 25.7 22 7.8 19 6.7 - - 242 85.5

Underbanked 473 18.1 145 30.7 327 69.3 0 0.0 0 0.0 0 0.0 473 100.0

Fully Banked 1,818 69.8 0 0.0 0 0.0 378 20.8 1,440 79.2 0 0.0 0 0.0

Banked but Underbanked Status Unknown 31 1.2 0 0.0 0 0.0 NA NA 0 0.0 NA NA 0 0.0

Household Type

Family household 1,713 65.8 220 12.8 290 16.9 235 13.7 946 55.2 22 1.3 510 29.8

Female householder, no husband present 386 14.8 103 26.6 68 17.5 71 18.4 144 37.5 - - 170 44.1

Male householder, no wife present 123 4.7 NA NA NA NA NA NA NA NA NA NA NA NA

Married couple 1,204 46.2 112 9.3 188 15.6 147 12.2 735 61.0 22 1.8 300 24.9

Nonfamily household 892 34.2 94 10.6 111 12.4 164 18.4 513 57.5 10 1.1 205 23.0

Female householder 494 19.0 43 8.7 30 6.0 102 20.5 316 63.9 5 0.9 72 14.7

Male householder 397 15.3 51 12.9 81 20.4 63 15.8 197 49.6 5 1.3 132 33.3

Race/Ethnicity

Black 427 16.4 103 24.1 72 16.9 62 14.5 185 43.2 5 1.2 175 41.0

Hispanic non-Black 54 2.1 NA NA NA NA NA NA NA NA NA NA NA NA

White non-Black non-Hispanic 2,075 79.7 200 9.7 311 15.0 312 15.0 1,225 59.1 26 1.3 511 24.7

Other non-Black non-Hispanic 49 1.9 NA NA NA NA NA NA NA NA NA NA NA NA

Age

15 to 34 years 580 22.3 127 21.9 149 25.6 57 9.9 239 41.2 8 1.5 276 47.5

35 to 44 years 477 18.3 72 15.0 76 15.9 71 14.8 255 53.5 4 0.8 148 31.0

45 to 54 years 537 20.6 61 11.3 72 13.4 108 20.2 286 53.3 10 1.8 132 24.7

55 to 64 years 488 18.8 43 8.8 70 14.3 78 16.0 292 59.9 5 1.0 113 23.1

65 years or more 523 20.1 12 2.3 34 6.5 85 16.3 387 74.0 5 0.9 46 8.8

Education

No high school degree 353 13.5 82 23.3 60 17.2 41 11.8 168 47.8 - - 143 40.5

High school degree 860 33.0 117 13.7 160 18.6 120 13.9 458 53.3 4 0.4 278 32.3

Some college 785 30.2 101 12.9 132 16.8 150 19.1 387 49.3 15 1.9 234 29.7

College degree 607 23.3 13 2.2 47 7.8 89 14.6 445 73.3 13 2.1 61 10.0

Household Income

Less than $15,000 482 18.5 137 28.4 90 18.6 61 12.6 190 39.5 5 0.9 227 47.0

Between $15,000 and $30,000 650 25.0 73 11.2 132 20.3 116 17.8 324 49.9 5 0.8 205 31.6

Between $30,000 and $50,000 601 23.1 84 14.0 74 12.3 93 15.4 346 57.6 4 0.6 158 26.3

Between $50,000 and $75,000 422 16.2 17 3.9 71 16.9 46 10.8 275 65.2 13 3.1 88 20.9

At Least $75,000 450 17.3 3 0.8 33 7.3 85 19.0 323 71.9 5 1.1 36 8.0

Homeownership

Homeowner 1,802 69.2 120 6.7 235 13.0 285 15.8 1,136 63.0 26 1.5 355 19.7

Non-homeowner 803 30.8 194 24.2 165 20.6 114 14.3 323 40.3 5 0.7 359 44.8

Notes:

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as 

having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 

months. The unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use 

rent-to-own agreements or refund anticipation loans in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-173 Use of AFS by Banking Status: Texas

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 9,136 100.0 1,167 100.0 2,481 100.0 5,309 100.0 180 100.0

Any AFS

Has Ever Used 4,786 52.4 914 78.3 2,481 100.0 1,356 25.5 0 0.0

Has Never Used 4,157 45.5 205 17.5 0 0.0 3,952 74.5 0 0.0

Unknown 193 2.1 48 4.1 0 0.0 0 0.0 145 80.5

Non-Bank Money Order

Has Ever Used 3,710 40.6 715 61.3 2,023 81.5 949 17.9 24 13.1

Has Never Used 5,229 57.2 395 33.8 446 18.0 4,360 82.1 29 15.8

Unknown 197 2.2 57 4.9 12 0.5 0 0.0 128 71.1

Non-Bank Check Cashing

Has Ever Used 1,689 18.5 557 47.8 885 35.7 236 4.4 11 5.9

Has Never Used 7,285 79.7 561 48.1 1,585 63.9 5,073 95.6 65 36.0

Unknown 163 1.8 48 4.1 10 0.4 0 0.0 105 58.1

Non-Bank Remittances

Has Ever Used 841 9.2 186 16.0 522 21.0 123 2.3 10 5.6

Has Never Used 8,135 89.0 923 79.1 1,951 78.6 5,186 97.7 75 41.9

Unknown 160 1.8 57 4.9 8 0.3 0 0.0 95 52.6

Payday Lending

Has Ever Used 573 6.3 103 8.8 396 15.9 75 1.4 - -

Has Never Used 8,381 91.7 1,006 86.3 2,078 83.8 5,234 98.6 63 34.9

Unknown 181 2.0 57 4.9 7 0.3 0 0.0 117 65.1

Pawn Shops

Has Ever Used 1,163 12.7 360 30.9 619 24.9 185 3.5 - -

Has Never Used 7,782 85.2 746 63.9 1,851 74.6 5,124 96.5 61 33.9

Unknown 191 2.1 61 5.2 10 0.4 0 0.0 119 66.1

Rent-to-Own

Has Ever Used 638 7.0 154 13.2 388 15.6 96 1.8 - -

Has Never Used 8,327 91.1 956 81.9 2,084 84.0 5,212 98.2 74 41.2

Unknown 171 1.9 57 4.9 8 0.3 0 0.0 106 58.8

Refund Anticipation Loans

Has Ever Used 540 5.9 134 11.5 327 13.2 79 1.5 - -

Has Never Used 8,410 92.1 972 83.3 2,143 86.4 5,230 98.5 66 36.4

Unknown 186 2.0 61 5.2 10 0.4 0 0.0 115 63.6

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

Table C-174 Timing of AFS Use by Banking Status: Texas

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 9,136 100.0 1,167 100.0 2,481 100.0 5,309 100.0 180 100.0

Any AFS

In Last 30 Days 1,834 20.1 615 52.7 1,219 49.1 0 0.0 0 0.0

In Last 2-12 Months 1,459 16.0 198 16.9 1,262 50.9 0 0.0 0 0.0

Not in the Last 12 Months 1,493 16.3 101 8.7 0 0.0 1,356 25.5 35 19.5

Never Used 4,157 45.5 205 17.5 0 0.0 3,952 74.5 0 0.0

Unknown 193 2.1 48 4.1 0 0.0 0 0.0 145 80.5

Non-Bank Money Order

In Last 30 Days 1,276 14.0 440 37.7 837 33.7 0 0.0 - -

In Last 2-12 Months 1,133 12.4 181 15.5 952 38.4 0 0.0 - -

Not in the Last 12 Months 1,301 14.2 94 8.0 234 9.4 949 17.9 24 13.1

Never Used 5,229 57.2 395 33.8 446 18.0 4,360 82.1 29 15.8

Unknown 197 2.2 57 4.9 12 0.5 - - 128 71.1

Non-Bank Check Cashing

In Last 30 Days 618 6.8 302 25.9 316 12.8 0 0.0 - -

In Last 2-12 Months 463 5.1 131 11.2 332 13.4 0 0.0 - -

Not in the Last 12 Months 607 6.6 125 10.7 236 9.5 236 4.4 11 5.9

Never Used 7,285 79.7 561 48.1 1,585 63.9 5,073 95.6 65 36.0

Unknown 163 1.8 48 4.1 10 0.4 - - 105 58.1

Non-Bank Remittances

In Last 30 Days 286 3.1 74 6.4 212 8.5 0 0.0 - -

In Last 2-12 Months 257 2.8 74 6.4 183 7.4 0 0.0 - -

Not in the Last 12 Months 298 3.3 38 3.2 127 5.1 123 2.3 10 5.6

Never Used 8,135 89.0 923 79.1 1,951 78.6 5,186 97.7 75 41.9

Unknown 160 1.8 57 4.9 8 0.3 - - 95 52.6

Payday Lending

In Last 30 Days 92 1.0 11 0.9 82 3.3 0 0.0 - -

In Last 2-12 Months 165 1.8 16 1.4 149 6.0 0 0.0 - -

Not in the Last 12 Months 316 3.5 76 6.5 165 6.7 75 1.4 - -

Never Used 8,381 91.7 1,006 86.3 2,078 83.8 5,234 98.6 63 34.9

Unknown 181 2.0 57 4.9 7 0.3 - - 117 65.1
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-174 Timing of AFS Use by Banking Status: Texas

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Pawn Shops

In Last 30 Days 155 1.7 46 4.0 109 4.4 0 0.0 - -

In Last 2-12 Months 394 4.3 161 13.8 233 9.4 0 0.0 - -

Not in the Last 12 Months 614 6.7 153 13.1 277 11.2 185 3.5 - -

Never Used 7,782 85.2 746 63.9 1,851 74.6 5,124 96.5 61 33.9

Unknown 191 2.1 61 5.2 10 0.4 - - 119 66.1

Rent-to-Owna

Used in last 12 months 244 2.7 96 8.2 149 6.0 0 0.0 - -

Used but not in last 12 months 394 4.3 58 5.0 239 9.7 96 1.8 - -

Never Used 8,327 91.1 956 81.9 2,084 84.0 5,212 98.2 74 41.2

Unknown 171 1.9 57 4.9 8 0.3 - - 106 58.8

Refund Anticipation Loansa

Used in last 12 months 223 2.4 67 5.8 155 6.3 0 0.0 - -

Used but not in last 12 months 313 3.4 63 5.4 172 6.9 79 1.5 - -

Never Used 8,410 92.1 972 83.3 2,143 86.4 5,230 98.5 66 36.4

Unknown 190 2.1 65 5.6 10 0.4 - - 115 63.6

Notes:

Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are 

categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as 

having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. a Households were not asked whether they used these AFS products in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

Table C-175 Use of AFS by Household Characteristic: Texas

Household Characteristic

All Households

Use of AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used a 

Transaction AFS Ever Used a Credit AFS

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 9,136 100.0 4,786 52.4 4,157 45.5 193 2.1 4,305 47.1 1,985 21.7

Banking Status

Unbanked 1,167 12.8 914 78.3 205 17.5 48 4.1 851 73.0 512 43.9

Underbanked 2,481 27.2 2,481 100.0 0 0.0 0 0.0 2,312 93.2 1,097 44.2

Fully Banked 5,309 58.1 1,356 25.5 3,952 74.5 0 0.0 1,107 20.9 376 7.1

Banked but Underbanked Status Unknown 180 2.0 35 19.5 - - 145 80.5 35 19.5 - -

Household Type

Family household 6,397 70.0 3,421 53.5 2,855 44.6 121 1.9 3,054 47.7 1,491 23.3

Female householder, no husband present 1,342 14.7 905 67.4 397 29.6 40 3.0 786 58.6 500 37.3

Male householder, no wife present 439 4.8 288 65.8 139 31.8 11 2.4 266 60.7 143 32.6

Married couple 4,617 50.5 2,228 48.3 2,318 50.2 70 1.5 2,002 43.4 848 18.4

Nonfamily household 2,739 30.0 1,365 49.8 1,302 47.5 72 2.6 1,251 45.7 494 18.0

Female householder 1,323 14.5 573 43.3 715 54.1 35 2.6 528 39.9 216 16.3

Male householder 1,416 15.5 792 55.9 587 41.4 37 2.6 723 51.1 278 19.7

Race/Ethnicity

Black 1,236 13.5 828 67.0 377 30.5 31 2.5 725 58.7 438 35.4

Hispanic non-Black 2,935 32.1 1,822 62.1 1,038 35.4 75 2.5 1,636 55.7 772 26.3

White non-Black non-Hispanic 4,534 49.6 1,972 43.5 2,497 55.1 65 1.4 1,791 39.5 747 16.5

Other non-Black non-Hispanic 431 4.7 163 37.8 245 56.9 23 5.3 153 35.5 28 6.5

Age

15 to 34 years 2,494 27.3 1,447 58.0 997 40.0 50 2.0 1,292 51.8 679 27.2

35 to 44 years 1,686 18.5 993 58.9 666 39.5 27 1.6 885 52.5 435 25.8

45 to 54 years 1,837 20.1 981 53.4 803 43.7 52 2.8 881 48.0 455 24.8

55 to 64 years 1,485 16.3 788 53.0 679 45.7 19 1.3 731 49.2 271 18.2

65 years or more 1,634 17.9 577 35.3 1,011 61.9 45 2.8 517 31.6 146 9.0

Education

No high school degree 1,673 18.3 1,130 67.6 486 29.1 57 3.4 1,042 62.3 463 27.7

High school degree 2,215 24.2 1,274 57.5 893 40.3 47 2.1 1,122 50.6 639 28.9

Some college 2,517 27.6 1,385 55.0 1,095 43.5 37 1.5 1,232 48.9 619 24.6

College degree 2,731 29.9 996 36.5 1,683 61.6 52 1.9 909 33.3 264 9.7

Household Income

Less than $15,000 1,540 16.9 996 64.7 495 32.2 49 3.2 896 58.2 484 31.4

Between $15,000 and $30,000 1,676 18.3 1,027 61.3 591 35.3 58 3.5 922 55.0 484 28.9

Between $30,000 and $50,000 1,983 21.7 1,124 56.7 836 42.2 22 1.1 1,003 50.6 486 24.5

Between $50,000 and $75,000 1,721 18.8 841 48.9 853 49.6 27 1.6 745 43.3 343 19.9

At Least $75,000 2,216 24.3 797 36.0 1,381 62.3 37 1.7 740 33.4 189 8.5

Homeownership

Homeowner 5,890 64.5 2,614 44.4 3,158 53.6 118 2.0 2,315 39.3 941 16.0

Non-homeowner 3,246 35.5 2,172 66.9 999 30.8 75 2.3 1,990 61.3 1,044 32.2

Notes:

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund 

anticipation loans.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-176 Timing of AFS Use by Household Characteristic: Texas

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 Daysb In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Used AFS in the Last 

Year

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 9,136 100.0 1,834 20.1 1,459 16.0 1,493 16.3 4,157 45.5 193 2.1 3,293 36.0

Banking Status

Unbanked 1,167 12.8 615 52.7 198 16.9 101 8.7 205 17.5 48 4.1 813 69.6

Underbanked 2,481 27.2 1,219 49.1 1,262 50.9 0 0.0 0 0.0 0 0.0 2,481 100.0

Fully Banked 5,309 58.1 0 0.0 0 0.0 1,356 25.5 3,952 74.5 0 0.0 0 0.0

Banked but Underbanked Status Unknown 180 2.0 0 0.0 0 0.0 35 19.5 0 0.0 145 80.5 0 0.0

Household Type

Family household 6,397 70.0 1,362 21.3 1,082 16.9 978 15.3 2,855 44.6 121 1.9 2,443 38.2

Female householder, no husband present 1,342 14.7 461 34.3 273 20.3 171 12.7 397 29.6 40 3.0 734 54.7

Male householder, no wife present 439 4.8 117 26.7 109 24.8 62 14.2 139 31.8 11 2.4 226 51.5

Married couple 4,617 50.5 783 17.0 700 15.2 745 16.1 2,318 50.2 70 1.5 1,483 32.1

Nonfamily household 2,739 30.0 472 17.2 378 13.8 515 18.8 1,302 47.5 72 2.6 850 31.0

Female householder 1,323 14.5 168 12.7 143 10.8 262 19.8 715 54.1 35 2.6 311 23.5

Male householder 1,416 15.5 304 21.5 235 16.6 253 17.8 587 41.4 37 2.6 539 38.1

Race/Ethnicity

Black 1,236 13.5 398 32.2 239 19.3 191 15.5 377 30.5 31 2.5 637 51.6

Hispanic non-Black 2,935 32.1 930 31.7 568 19.4 324 11.1 1,038 35.4 75 2.5 1,498 51.0

White non-Black non-Hispanic 4,534 49.6 470 10.4 591 13.0 912 20.1 2,497 55.1 65 1.4 1,061 23.4

Other non-Black non-Hispanic 431 4.7 36 8.3 61 14.3 66 15.2 245 56.9 23 5.3 97 22.6

Age

15 to 34 years 2,494 27.3 662 26.5 469 18.8 317 12.7 997 40.0 50 2.0 1,131 45.3

35 to 44 years 1,686 18.5 380 22.5 318 18.8 295 17.5 666 39.5 27 1.6 698 41.4

45 to 54 years 1,837 20.1 402 21.9 299 16.3 280 15.3 803 43.7 52 2.8 701 38.2

55 to 64 years 1,485 16.3 222 14.9 245 16.5 321 21.6 679 45.7 19 1.3 467 31.4

65 years or more 1,634 17.9 168 10.3 129 7.9 280 17.1 1,011 61.9 45 2.8 297 18.2

Education

No high school degree 1,673 18.3 607 36.3 313 18.7 210 12.6 486 29.1 57 3.4 920 55.0

High school degree 2,215 24.2 559 25.2 431 19.4 285 12.9 893 40.3 47 2.1 989 44.7

Some college 2,517 27.6 502 19.9 420 16.7 463 18.4 1,095 43.5 37 1.5 922 36.6

College degree 2,731 29.9 166 6.1 296 10.8 534 19.6 1,683 61.6 52 1.9 462 16.9

Household Income

Less than $15,000 1,540 16.9 499 32.4 307 19.9 190 12.3 495 32.2 49 3.2 806 52.4

Between $15,000 and $30,000 1,676 18.3 493 29.4 306 18.3 228 13.6 591 35.3 58 3.5 799 47.7

Between $30,000 and $50,000 1,983 21.7 454 22.9 342 17.2 329 16.6 836 42.2 22 1.1 796 40.1

Between $50,000 and $75,000 1,721 18.8 255 14.8 262 15.2 324 18.8 853 49.6 27 1.6 518 30.1

At Least $75,000 2,216 24.3 132 6.0 242 10.9 423 19.1 1,381 62.3 37 1.7 374 16.9

Homeownership

Homeowner 5,890 64.5 746 12.7 814 13.8 1,054 17.9 3,158 53.6 118 2.0 1,560 26.5

Non-homeowner 3,246 35.5 1,087 33.5 646 19.9 439 13.5 999 30.8 75 2.3 1,733 53.4

Notes:

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as 

having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 

months. The unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use 

rent-to-own agreements or refund anticipation loans in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-177 Use of AFS by Banking Status: Utah

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 926 100.0 NA NA 195 100.0 694 100.0 NA NA

Any AFS

Has Ever Used 366 39.5 NA NA 195 100.0 143 20.6 NA NA

Has Never Used 555 59.9 NA NA 0 0.0 551 79.4 NA NA

Unknown 6 0.6 NA NA 0 0.0 0 0.0 NA NA

Non-Bank Money Order

Has Ever Used 258 27.9 NA NA 139 71.6 104 14.9 NA NA

Has Never Used 664 71.7 NA NA 55 28.4 590 85.1 NA NA

Unknown 4 0.4 NA NA - - 0 0.0 NA NA

Non-Bank Check Cashing

Has Ever Used 94 10.2 NA NA 54 27.5 27 3.9 NA NA

Has Never Used 828 89.4 NA NA 139 71.5 666 96.1 NA NA

Unknown 4 0.4 NA NA 2 1.0 0 0.0 NA NA

Non-Bank Remittances

Has Ever Used 33 3.6 NA NA 18 9.4 13 1.9 NA NA

Has Never Used 893 96.4 NA NA 176 90.6 680 98.1 NA NA

Unknown 0 - NA NA - - 0 0.0 NA NA

Payday Lending

Has Ever Used 83 9.0 NA NA 54 27.6 17 2.4 NA NA

Has Never Used 843 91.0 NA NA 141 72.4 677 97.6 NA NA

Unknown 0 - NA NA - - 0 0.0 NA NA

Pawn Shops

Has Ever Used 75 8.1 NA NA 56 29.0 9 1.3 NA NA

Has Never Used 847 91.4 NA NA 138 71.0 684 98.7 NA NA

Unknown 4 0.4 NA NA - - 0 0.0 NA NA

Rent-to-Own

Has Ever Used 30 3.3 NA NA 17 8.7 4 0.5 NA NA

Has Never Used 894 96.5 NA NA 178 91.3 690 99.5 NA NA

Unknown 2 0.2 NA NA - - 0 0.0 NA NA

Refund Anticipation Loans

Has Ever Used 31 3.4 NA NA 19 9.7 11 1.5 NA NA

Has Never Used 891 96.2 NA NA 176 90.3 683 98.5 NA NA

Unknown 4 0.4 NA NA - - 0 0.0 NA NA

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated 

that the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-178 Timing of AFS Use by Banking Status: Utah

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 926 100.0 NA NA 195 100.0 694 100.0 NA NA

Any AFS

In Last 30 Days 80 8.6 NA NA 71 36.4 0 0.0 NA NA

In Last 2-12 Months 132 14.2 NA NA 124 63.6 0 0.0 NA NA

Not in the Last 12 Months 154 16.7 NA NA 0 0.0 143 20.6 NA NA

Never Used 555 59.9 NA NA 0 0.0 551 79.4 NA NA

Unknown 6 0.6 NA NA 0 0.0 0 0.0 NA NA

Non-Bank Money Order

In Last 30 Days 53 5.8 NA NA 49 25.4 0 0.0 NA NA

In Last 2-12 Months 80 8.6 NA NA 72 37.0 0 0.0 NA NA

Not in the Last 12 Months 125 13.5 NA NA 18 9.1 104 14.9 NA NA

Never Used 664 71.7 NA NA 55 28.4 590 85.1 NA NA

Unknown 4 0.4 NA NA - - - - NA NA

Non-Bank Check Cashing

In Last 30 Days 15 1.6 NA NA 10 5.0 0 0.0 NA NA

In Last 2-12 Months 34 3.7 NA NA 32 16.5 0 0.0 NA NA

Not in the Last 12 Months 45 4.9 NA NA 12 6.0 27 3.9 NA NA

Never Used 828 89.4 NA NA 139 71.5 666 96.1 NA NA

Unknown 4 0.4 NA NA 2 1.0 - - NA NA

Non-Bank Remittances

In Last 30 Days 7 0.7 NA NA 7 3.5 0 0.0 NA NA

In Last 2-12 Months 11 1.2 NA NA 11 5.9 0 0.0 NA NA

Not in the Last 12 Months 15 1.6 NA NA - - 13 1.9 NA NA

Never Used 893 96.4 NA NA 176 90.6 680 98.1 NA NA

Unknown 0 - NA NA - - - - NA NA

Payday Lending

In Last 30 Days 11 1.2 NA NA 8 4.0 0 0.0 NA NA

In Last 2-12 Months 18 2.0 NA NA 18 9.3 0 0.0 NA NA

Not in the Last 12 Months 54 5.8 NA NA 28 14.2 17 2.4 NA NA

Never Used 843 91.0 NA NA 141 72.4 677 97.6 NA NA

Unknown 0 - NA NA - - - - NA NA
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-178 Timing of AFS Use by Banking Status: Utah

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Pawn Shops

In Last 30 Days 4 0.5 NA NA 4 2.3 0 0.0 NA NA

In Last 2-12 Months 20 2.1 NA NA 18 9.1 0 0.0 NA NA

Not in the Last 12 Months 51 5.6 NA NA 34 17.7 9 1.3 NA NA

Never Used 847 91.4 NA NA 138 71.0 684 98.7 NA NA

Unknown 4 0.4 NA NA - - - - NA NA

Rent-to-Owna

Used in last 12 months 9 1.0 NA NA 7 3.8 0 0.0 NA NA

Used but not in last 12 months 21 2.3 NA NA 9 4.8 4 0.5 NA NA

Never Used 894 96.5 NA NA 178 91.3 690 99.5 NA NA

Unknown 2 0.2 NA NA - - - - NA NA

Refund Anticipation Loansa

Used in last 12 months 8 0.8 NA NA 8 4.0 0 0.0 NA NA

Used but not in last 12 months 22 2.4 NA NA 11 5.7 11 1.5 NA NA

Never Used 891 96.2 NA NA 176 90.3 683 98.5 NA NA

Unknown 5 0.6 NA NA - - - - NA NA

Notes:

Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. a Households were not asked whether they used these AFS products in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-179 Use of AFS by Household Characteristic: Utah

Household Characteristic

All Households

Use of AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used a 

Transaction AFS Ever Used a Credit AFS

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 926 100.0 366 39.5 555 59.9 6 0.6 315 34.0 144 15.5

Banking Status

Unbanked 26 2.8 NA NA NA NA NA NA NA NA NA NA

Underbanked 195 21.0 195 100.0 0 0.0 0 0.0 174 89.3 90 46.2

Fully Banked 694 74.9 143 20.6 551 79.4 0 0.0 120 17.3 35 5.1

Banked but Underbanked Status Unknown 12 1.2 NA NA NA NA NA NA NA NA NA NA

Household Type

Family household 709 76.6 291 41.0 413 58.2 6 0.8 250 35.2 109 15.4

Female householder, no husband present 106 11.4 47 44.4 57 53.8 2 1.8 43 41.0 17 15.9

Male householder, no wife present 44 4.8 NA NA NA NA NA NA NA NA NA NA

Married couple 559 60.4 228 40.7 328 58.6 4 0.7 194 34.6 87 15.6

Nonfamily household 217 23.4 75 34.5 142 65.5 - - 65 30.1 34 15.8

Female householder 111 12.0 40 36.2 71 63.8 - - 38 34.2 15 13.1

Male householder 105 11.4 34 32.7 71 67.3 - - 27 25.7 20 18.6

Race/Ethnicity

Black 14 1.6 NA NA NA NA NA NA NA NA NA NA

Hispanic non-Black 78 8.4 39 50.5 39 49.5 - - 28 35.9 21 27.6

White non-Black non-Hispanic 792 85.5 304 38.4 482 60.9 6 0.7 264 33.4 117 14.8

Other non-Black non-Hispanic 42 4.5 NA NA NA NA NA NA NA NA NA NA

Age

15 to 34 years 303 32.7 130 42.8 173 57.2 - - 107 35.4 52 17.2

35 to 44 years 148 16.0 68 46.0 78 52.8 2 1.2 58 38.9 31 20.8

45 to 54 years 157 17.0 63 39.9 95 60.1 - - 51 32.5 32 20.1

55 to 64 years 138 14.9 58 42.3 80 57.7 - - 54 39.3 15 11.2

65 years or more 179 19.4 46 25.9 129 71.9 4 2.2 44 24.7 13 7.5

Education

No high school degree 36 3.9 NA NA NA NA NA NA NA NA NA NA

High school degree 256 27.7 104 40.7 150 58.5 2 0.7 83 32.4 56 21.8

Some college 369 39.9 162 44.0 203 55.0 4 1.0 139 37.5 68 18.3

College degree 264 28.5 84 31.9 180 68.1 - - 82 31.1 13 4.9

Household Income

Less than $15,000 106 11.5 41 38.9 65 61.1 - - 37 35.3 16 14.7

Between $15,000 and $30,000 148 16.0 65 43.8 82 54.9 2 1.3 55 37.3 36 24.3

Between $30,000 and $50,000 234 25.3 104 44.4 130 55.6 - - 83 35.6 41 17.6

Between $50,000 and $75,000 203 22.0 78 38.3 123 60.7 2 1.0 65 32.0 34 16.5

At Least $75,000 234 25.3 77 33.1 155 66.1 2 0.8 74 31.4 17 7.3

Homeownership

Homeowner 647 69.8 205 31.7 436 67.4 6 0.9 180 27.8 70 10.8

Non-homeowner 279 30.2 161 57.5 119 42.5 - - 135 48.4 74 26.5

Notes:

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund 

anticipation loans.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-180 Timing of AFS Use by Household Characteristic: Utah

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 Daysb In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Used AFS in the Last 

Year

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 926 100.0 80 8.6 132 14.2 154 16.7 555 59.9 6 0.6 211 22.8

Banking Status

Unbanked 26 2.8 NA NA NA NA NA NA NA NA NA NA NA NA

Underbanked 195 21.0 71 36.4 124 63.6 0 0.0 0 0.0 0 0.0 195 100.0

Fully Banked 694 74.9 0 0.0 0 0.0 143 20.6 551 79.4 0 0.0 0 0.0

Banked but Underbanked Status Unknown 12 1.2 0 0.0 0 0.0 NA NA 0 0.0 NA NA 0 0.0

Household Type

Family household 709 76.6 60 8.5 103 14.6 127 18.0 413 58.2 6 0.8 164 23.1

Female householder, no husband present 106 11.4 11 10.0 17 16.2 19 18.2 57 53.8 2 1.8 28 26.2

Male householder, no wife present 44 4.8 NA NA NA NA NA NA NA NA NA NA NA NA

Married couple 559 60.4 48 8.6 77 13.8 102 18.3 328 58.6 4 0.7 125 22.4

Nonfamily household 217 23.4 19 9.0 28 13.0 27 12.5 142 65.5 - - 48 22.0

Female householder 111 12.0 9 8.5 12 11.2 18 16.5 71 63.8 - - 22 19.7

Male householder 105 11.4 10 9.5 16 14.9 9 8.3 71 67.3 - - 26 24.4

Race/Ethnicity

Black 14 1.6 NA NA NA NA NA NA NA NA NA NA NA NA

Hispanic non-Black 78 8.4 4 5.0 24 30.9 11 14.6 39 49.5 - - 28 35.8

White non-Black non-Hispanic 792 85.5 66 8.3 101 12.8 137 17.3 482 60.9 6 0.7 167 21.1

Other non-Black non-Hispanic 42 4.5 NA NA NA NA NA NA NA NA NA NA NA NA

Age

15 to 34 years 303 32.7 32 10.5 42 13.8 56 18.5 173 57.2 - - 74 24.3

35 to 44 years 148 16.0 16 11.0 29 19.3 23 15.7 78 52.8 2 1.2 45 30.3

45 to 54 years 157 17.0 12 7.6 22 13.8 29 18.5 95 60.1 - - 34 21.4

55 to 64 years 138 14.9 12 8.6 17 12.6 29 21.1 80 57.7 - - 29 21.3

65 years or more 179 19.4 8 4.2 22 12.2 17 9.4 129 71.9 4 2.2 29 16.5

Education

No high school degree 36 3.9 NA NA NA NA NA NA NA NA NA NA NA NA

High school degree 256 27.7 27 10.4 29 11.4 49 19.0 150 58.5 2 0.7 56 21.8

Some college 369 39.9 35 9.6 67 18.2 60 16.2 203 55.0 4 1.0 103 27.8

College degree 264 28.5 16 6.1 26 9.8 42 16.0 180 68.1 - - 42 15.9

Household Income

Less than $15,000 106 11.5 8 7.9 17 16.4 16 14.6 65 61.1 - - 26 24.2

Between $15,000 and $30,000 148 16.0 19 12.8 30 20.5 16 10.5 82 54.9 2 1.3 49 33.3

Between $30,000 and $50,000 234 25.3 26 10.9 33 14.2 45 19.3 130 55.6 - - 59 25.2

Between $50,000 and $75,000 203 22.0 21 10.3 26 12.6 32 15.5 123 60.7 2 1.0 46 22.8

At Least $75,000 234 25.3 6 2.5 25 10.6 47 20.0 155 66.1 2 0.8 31 13.1

Homeownership

Homeowner 647 69.8 31 4.8 61 9.4 113 17.5 436 67.4 6 0.9 92 14.1

Non-homeowner 279 30.2 49 17.5 71 25.4 41 14.7 119 42.5 - - 120 42.9

Notes:

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as 

having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 

months. The unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use 

rent-to-own agreements or refund anticipation loans in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-181 Use of AFS by Banking Status: Vermont

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 269 100.0 NA NA 47 100.0 207 100.0 NA NA

Any AFS

Has Ever Used 104 38.6 NA NA 47 100.0 49 23.6 NA NA

Has Never Used 160 59.5 NA NA 0 0.0 158 76.4 NA NA

Unknown 5 1.8 NA NA 0 0.0 0 0.0 NA NA

Non-Bank Money Order

Has Ever Used 79 29.4 NA NA 34 72.2 38 18.4 NA NA

Has Never Used 187 69.3 NA NA 13 27.8 169 81.6 NA NA

Unknown 4 1.3 NA NA - - 0 0.0 NA NA

Non-Bank Check Cashing

Has Ever Used 32 11.8 NA NA 19 39.8 9 4.5 NA NA

Has Never Used 234 86.8 NA NA 28 59.5 198 95.5 NA NA

Unknown 4 1.4 NA NA - - 0 0.0 NA NA

Non-Bank Remittances

Has Ever Used 6 2.1 NA NA 3 5.7 3 1.4 NA NA

Has Never Used 260 96.6 NA NA 44 94.3 204 98.6 NA NA

Unknown 4 1.3 NA NA - - 0 0.0 NA NA

Payday Lending

Has Ever Used 4 1.3 NA NA 2 5.0 1 0.5 NA NA

Has Never Used 262 97.5 NA NA 45 95.0 207 99.5 NA NA

Unknown 3 1.2 NA NA - - 0 0.0 NA NA

Pawn Shops

Has Ever Used 8 3.0 NA NA 4 8.3 3 1.5 NA NA

Has Never Used 256 95.1 NA NA 43 90.9 204 98.5 NA NA

Unknown 5 1.8 NA NA - - 0 0.0 NA NA

Rent-to-Own

Has Ever Used 12 4.6 NA NA 8 17.2 3 1.3 NA NA

Has Never Used 253 94.2 NA NA 39 82.8 205 98.7 NA NA

Unknown 3 1.2 NA NA - - 0 0.0 NA NA

Refund Anticipation Loans

Has Ever Used 6 2.3 NA NA 4 8.6 2 0.8 NA NA

Has Never Used 259 96.4 NA NA 42 90.6 206 99.2 NA NA

Unknown 4 1.3 NA NA - - 0 0.0 NA NA

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated 

that the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-182 Timing of AFS Use by Banking Status: Vermont

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 269 100.0 NA NA 47 100.0 207 100.0 NA NA

Any AFS

In Last 30 Days 19 7.0 NA NA 15 31.7 0 0.0 NA NA

In Last 2-12 Months 34 12.7 NA NA 32 68.3 0 0.0 NA NA

Not in the Last 12 Months 51 18.9 NA NA 0 0.0 49 23.6 NA NA

Never Used 160 59.5 NA NA 0 0.0 158 76.4 NA NA

Unknown 5 1.8 NA NA 0 0.0 0 0.0 NA NA

Non-Bank Money Order

In Last 30 Days 11 4.0 NA NA 7 15.7 0 0.0 NA NA

In Last 2-12 Months 23 8.6 NA NA 21 45.5 0 0.0 NA NA

Not in the Last 12 Months 45 16.8 NA NA 5 11.0 38 18.4 NA NA

Never Used 187 69.3 NA NA 13 27.8 169 81.6 NA NA

Unknown 4 1.3 NA NA - - - - NA NA

Non-Bank Check Cashing

In Last 30 Days 8 2.9 NA NA 7 14.4 0 0.0 NA NA

In Last 2-12 Months 11 3.9 NA NA 9 20.2 0 0.0 NA NA

Not in the Last 12 Months 13 4.9 NA NA 2 5.2 9 4.5 NA NA

Never Used 234 86.8 NA NA 28 59.5 198 95.5 NA NA

Unknown 4 1.4 NA NA - - - - NA NA

Non-Bank Remittances

In Last 30 Days 0 0.1 NA NA - - 0 0.0 NA NA

In Last 2-12 Months 1 0.3 NA NA 1 1.5 0 0.0 NA NA

Not in the Last 12 Months 5 1.7 NA NA 2 3.3 3 1.4 NA NA

Never Used 260 96.6 NA NA 44 94.3 204 98.6 NA NA

Unknown 4 1.3 NA NA - - - - NA NA

Payday Lending

In Last 2-12 Months 1 0.3 NA NA 1 1.7 0 0.0 NA NA

Not in the Last 12 Months 3 1.0 NA NA 2 3.4 1 0.5 NA NA

Never Used 262 97.5 NA NA 45 95.0 207 99.5 NA NA

Unknown 3 1.2 NA NA - - - - NA NA
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-182 Timing of AFS Use by Banking Status: Vermont

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Pawn Shops

In Last 30 Days 1 0.3 NA NA 1 1.5 0 0.0 NA NA

In Last 2-12 Months 1 0.5 NA NA 1 2.0 0 0.0 NA NA

Not in the Last 12 Months 6 2.3 NA NA 2 4.8 3 1.5 NA NA

Never Used 256 95.1 NA NA 43 90.9 204 98.5 NA NA

Unknown 5 1.8 NA NA - - - - NA NA

Rent-to-Owna

Used in last 12 months 5 2.0 NA NA 5 10.8 0 0.0 NA NA

Used but not in last 12 months 7 2.6 NA NA 3 6.4 3 1.3 NA NA

Never Used 253 94.2 NA NA 39 82.8 205 98.7 NA NA

Unknown 3 1.2 NA NA - - - - NA NA

Refund Anticipation Loansa

Used in last 12 months 3 1.1 NA NA 3 5.4 0 0.0 NA NA

Used but not in last 12 months 3 1.2 NA NA 2 3.2 2 0.8 NA NA

Never Used 259 96.4 NA NA 42 90.6 206 99.2 NA NA

Unknown 4 1.3 NA NA - - - - NA NA

Notes:

Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are 

categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as 

having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. a Households were not asked whether they used these AFS products in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-183 Use of AFS by Household Characteristic: Vermont

Household Characteristic

All Households

Use of AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used a 

Transaction AFS Ever Used a Credit AFS

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 269 100.0 104 38.6 160 59.5 5 1.8 97 36.1 25 9.3

Banking Status

Unbanked 9 3.4 NA NA NA NA NA NA NA NA NA NA

Underbanked 47 17.4 47 100.0 0 0.0 0 0.0 44 93.2 14 30.0

Fully Banked 207 77.1 49 23.6 158 76.4 0 0.0 46 22.1 8 3.8

Banked but Underbanked Status Unknown 6 2.1 NA NA NA NA NA NA NA NA NA NA

Household Type

Family household 173 64.3 66 37.8 104 60.3 3 1.8 61 35.1 18 10.6

Female householder, no husband present 29 10.7 15 50.9 14 49.1 - - 13 44.8 6 21.0

Male householder, no wife present 13 4.9 6 45.4 7 51.9 - - 6 42.8 3 22.2

Married couple 131 48.7 45 34.2 83 63.6 3 2.1 42 32.2 9 7.2

Nonfamily household 96 35.7 38 40.1 56 58.1 2 1.8 36 38.0 6 6.8

Female householder 51 19.1 19 36.6 32 62.3 1 1.1 18 34.5 3 6.2

Male householder 44 16.5 20 44.2 24 53.3 1 2.5 19 42.0 3 7.4

Race/Ethnicity

Black 2 0.9 NA NA NA NA NA NA NA NA NA NA

Hispanic non-Black 1 0.5 NA NA NA NA NA NA NA NA NA NA

White non-Black non-Hispanic 261 97.0 101 38.8 155 59.5 4 1.7 94 36.2 24 9.3

Other non-Black non-Hispanic 4 1.6 NA NA NA NA NA NA NA NA NA NA

Age

15 to 34 years 49 18.2 22 45.0 26 53.5 1 1.5 19 39.3 7 15.0

35 to 44 years 52 19.2 20 38.9 31 60.5 - - 19 36.5 5 9.4

45 to 54 years 58 21.5 26 45.0 30 52.5 1 2.5 25 43.3 7 12.6

55 to 64 years 59 21.8 23 39.7 35 59.3 1 1.1 22 37.9 3 5.5

65 years or more 52 19.3 13 24.2 38 72.5 2 3.3 12 22.8 2 4.2

Education

No high school degree 26 9.5 10 37.9 15 60.7 - - 9 34.8 4 15.9

High school degree 85 31.4 38 45.4 44 51.7 3 3.0 36 42.0 10 11.3

Some college 70 26.1 26 36.6 44 62.9 - - 24 34.4 7 9.4

College degree 89 33.0 30 34.1 57 64.1 2 1.8 29 32.2 5 5.4

Household Income

Less than $15,000 38 14.2 20 52.2 17 45.0 1 2.8 19 49.9 5 14.3

Between $15,000 and $30,000 45 16.8 20 43.9 24 53.8 1 2.3 18 40.6 7 14.5

Between $30,000 and $50,000 59 21.8 24 41.0 34 57.3 1 1.7 22 36.9 7 11.4

Between $50,000 and $75,000 58 21.6 20 34.2 38 64.6 1 1.1 18 31.5 4 6.2

At Least $75,000 69 25.5 20 29.4 47 69.1 1 1.6 20 28.7 3 3.7

Homeownership

Homeowner 206 76.6 72 34.8 130 63.2 4 2.0 68 32.8 15 7.0

Non-homeowner 63 23.4 32 51.1 30 47.7 1 1.2 30 47.0 10 16.5

Notes:

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund anticipation loans.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-184 Timing of AFS Use by Household Characteristic: Vermont

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 Daysb In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Used AFS in the Last 

Year

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 269 100.0 19 7.0 34 12.7 51 18.9 160 59.5 5 1.8 53 19.8

Banking Status

Unbanked 9 3.4 NA NA NA NA NA NA NA NA NA NA NA NA

Underbanked 47 17.4 15 31.7 32 68.3 0 0.0 0 0.0 0 0.0 47 100.0

Fully Banked 207 77.1 0 0.0 0 0.0 49 23.6 158 76.4 0 0.0 0 0.0

Banked but Underbanked Status Unknown 6 2.1 0 0.0 0 0.0 NA NA 0 0.0 NA NA 0 0.0

Household Type

Family household 173 64.3 14 8.0 24 13.9 28 16.0 104 60.3 3 1.8 38 21.9

Female householder, no husband present 29 10.7 4 13.8 7 24.2 4 12.9 14 49.1 - - 11 38.0

Male householder, no wife present 13 4.9 2 16.5 2 15.7 2 13.2 7 51.9 - - 4 32.2

Married couple 131 48.7 8 5.8 15 11.5 22 16.9 83 63.6 3 2.1 23 17.3

Nonfamily household 96 35.7 5 5.3 10 10.6 23 24.2 56 58.1 2 1.8 15 15.9

Female householder 51 19.1 3 5.7 4 7.4 12 23.4 32 62.3 1 1.1 7 13.1

Male householder 44 16.5 2 4.9 6 14.3 11 25.1 24 53.3 1 2.5 9 19.1

Race/Ethnicity

Black 2 0.9 NA NA NA NA NA NA NA NA NA NA NA NA

Hispanic non-Black 1 0.5 NA NA NA NA NA NA NA NA NA NA NA NA

White non-Black non-Hispanic 261 97.0 18 6.9 34 12.9 50 19.0 155 59.5 4 1.7 52 19.7

Other non-Black non-Hispanic 4 1.6 NA NA NA NA NA NA NA NA NA NA NA NA

Age

15 to 34 years 49 18.2 5 10.5 10 20.1 7 14.4 26 53.5 1 1.5 15 30.6

35 to 44 years 52 19.2 3 6.0 7 14.0 10 18.9 31 60.5 - - 10 20.0

45 to 54 years 58 21.5 6 10.4 8 13.7 12 21.0 30 52.5 1 2.5 14 24.1

55 to 64 years 59 21.8 3 5.7 5 9.0 15 25.0 35 59.3 1 1.1 9 14.7

65 years or more 52 19.3 1 2.5 4 7.7 7 14.0 38 72.5 2 3.3 5 10.2

Education

No high school degree 26 9.5 3 11.6 4 16.4 3 9.9 15 60.7 - - 7 27.9

High school degree 85 31.4 8 9.1 13 15.2 18 21.0 44 51.7 3 3.0 21 24.4

Some college 70 26.1 6 8.2 8 11.9 12 16.5 44 62.9 - - 14 20.1

College degree 89 33.0 2 2.8 9 10.0 19 21.3 57 64.1 2 1.8 11 12.8

Household Income

Less than $15,000 38 14.2 6 15.0 7 19.3 7 17.9 17 45.0 1 2.8 13 34.3

Between $15,000 and $30,000 45 16.8 3 7.5 8 17.0 9 19.3 24 53.8 1 2.3 11 24.6

Between $30,000 and $50,000 59 21.8 6 10.1 7 12.1 11 18.8 34 57.3 1 1.7 13 22.2

Between $50,000 and $75,000 58 21.6 3 4.9 7 12.0 10 17.3 38 64.6 1 1.1 10 16.9

At Least $75,000 69 25.5 1 1.5 5 7.4 14 20.5 47 69.1 1 1.6 6 8.8

Homeownership

Homeowner 206 76.6 10 5.0 23 11.4 38 18.4 130 63.2 4 2.0 34 16.4

Non-homeowner 63 23.4 9 13.5 11 17.1 13 20.5 30 47.7 1 1.2 19 30.6

Notes:

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as 

having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 

months. The unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use 

rent-to-own agreements or refund anticipation loans in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-185 Use of AFS by Banking Status: Virginia

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 3,008 100.0 199 100.0 503 100.0 2,138 100.0 168 100.0

Any AFS

Has Ever Used 1,056 35.1 113 56.9 503 100.0 424 19.8 0 0.0

Has Never Used 1,783 59.3 69 34.7 0 0.0 1,714 80.2 0 0.0

Unknown 169 5.6 17 8.4 0 0.0 0 0.0 153 91.0

Non-Bank Money Order

Has Ever Used 795 26.4 98 49.4 387 77.0 307 14.4 2 1.2

Has Never Used 2,067 68.7 82 41.2 116 23.0 1,830 85.6 39 23.1

Unknown 146 4.8 19 9.3 - - 0 0.0 127 75.7

Non-Bank Check Cashing

Has Ever Used 285 9.5 51 25.5 160 31.8 68 3.2 6 3.6

Has Never Used 2,577 85.7 125 63.0 336 66.7 2,069 96.8 47 27.9

Unknown 145 4.8 23 11.5 8 1.5 0 0.0 115 68.5

Non-Bank Remittances

Has Ever Used 124 4.1 25 12.4 82 16.2 17 0.8 - -

Has Never Used 2,743 91.2 160 80.2 414 82.3 2,120 99.2 49 29.1

Unknown 141 4.7 15 7.4 7 1.5 0 0.0 119 70.9

Payday Lending

Has Ever Used 144 4.8 14 7.3 91 18.1 36 1.7 3 2.1

Has Never Used 2,709 90.1 163 82.1 397 78.9 2,102 98.3 47 27.9

Unknown 154 5.1 21 10.6 15 3.1 0 0.0 117 70.0

Pawn Shops

Has Ever Used 139 4.6 12 5.8 76 15.1 48 2.2 4 2.1

Has Never Used 2,713 90.2 166 83.5 416 82.7 2,090 97.8 41 24.6

Unknown 155 5.2 21 10.6 11 2.2 0 0.0 123 73.3

Rent-to-Own

Has Ever Used 136 4.5 33 16.5 71 14.1 32 1.5 - -

Has Never Used 2,691 89.5 131 65.9 415 82.4 2,106 98.5 40 23.6

Unknown 181 6.0 35 17.6 18 3.5 0 0.0 128 76.4

Refund Anticipation Loans

Has Ever Used 104 3.5 19 9.7 57 11.3 27 1.3 - -

Has Never Used 2,715 90.3 144 72.2 425 84.4 2,110 98.7 37 22.1

Unknown 188 6.3 36 18.1 22 4.3 0 0.0 131 77.9

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

Table C-186 Timing of AFS Use by Banking Status: Virginia

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 3,008 100.0 199 100.0 503 100.0 2,138 100.0 168 100.0

Any AFS

In Last 30 Days 307 10.2 63 31.7 244 48.5 0 0.0 0 0.0

In Last 2-12 Months 295 9.8 36 18.0 259 51.5 0 0.0 0 0.0

Not in the Last 12 Months 453 15.1 14 7.1 0 0.0 424 19.8 15 9.0

Never Used 1,783 59.3 69 34.7 0 0.0 1,714 80.2 0 0.0

Unknown 169 5.6 17 8.4 0 0.0 0 0.0 153 91.0

Non-Bank Money Order

In Last 30 Days 230 7.6 55 27.8 175 34.7 0 0.0 - -

In Last 2-12 Months 205 6.8 29 14.5 176 35.0 0 0.0 - -

Not in the Last 12 Months 360 12.0 14 7.1 37 7.3 307 14.4 2 1.2

Never Used 2,067 68.7 82 41.2 116 23.0 1,830 85.6 39 23.1

Unknown 146 4.8 19 9.3 - - - - 127 75.7

Non-Bank Check Cashing

In Last 30 Days 64 2.1 31 15.6 33 6.5 0 0.0 - -

In Last 2-12 Months 103 3.4 9 4.7 94 18.6 0 0.0 - -

Not in the Last 12 Months 118 3.9 10 5.3 33 6.6 68 3.2 6 3.6

Never Used 2,577 85.7 125 63.0 336 66.7 2,069 96.8 47 27.9

Unknown 145 4.8 23 11.5 8 1.5 - - 115 68.5

Non-Bank Remittances

In Last 30 Days 32 1.1 2 1.0 30 5.9 0 0.0 - -

In Last 2-12 Months 48 1.6 19 9.5 29 5.7 0 0.0 - -

Not in the Last 12 Months 44 1.5 4 1.9 23 4.6 17 0.8 - -

Never Used 2,743 91.2 160 80.2 414 82.3 2,120 99.2 49 29.1

Unknown 141 4.7 15 7.4 7 1.5 - - 119 70.9

Payday Lending

In Last 30 Days 19 0.6 - - 19 3.8 0 0.0 - -

In Last 2-12 Months 26 0.9 - - 26 5.1 0 0.0 - -

Not in the Last 12 Months 100 3.3 14 7.3 46 9.1 36 1.7 3 2.1

Never Used 2,709 90.1 163 82.1 397 78.9 2,102 98.3 47 27.9

Unknown 154 5.1 21 10.6 15 3.1 - - 117 70.0
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-186 Timing of AFS Use by Banking Status: Virginia

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Pawn Shops

In Last 30 Days 23 0.8 5 2.7 18 3.6 0 0.0 - -

In Last 2-12 Months 45 1.5 6 3.1 39 7.7 0 0.0 - -

Not in the Last 12 Months 71 2.4 - - 19 3.8 48 2.2 4 2.1

Never Used 2,713 90.2 166 83.5 416 82.7 2,090 97.8 41 24.6

Unknown 155 5.2 21 10.6 11 2.2 - - 123 73.3

Rent-to-Owna

Used in last 12 months 55 1.8 19 9.5 36 7.2 0 0.0 - -

Used but not in last 12 months 80 2.7 14 7.0 34 6.9 32 1.5 - -

Never Used 2,691 89.5 131 65.9 415 82.4 2,106 98.5 40 23.6

Unknown 181 6.0 35 17.6 18 3.5 - - 128 76.4

Refund Anticipation Loansa

Used in last 12 months 49 1.6 12 6.2 36 7.2 0 0.0 - -

Used but not in last 12 months 55 1.8 7 3.5 21 4.1 27 1.3 - -

Never Used 2,715 90.3 144 72.2 425 84.4 2,110 98.7 37 22.1

Unknown 188 6.3 36 18.1 22 4.3 - - 131 77.9

Notes:

Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. a Households were not asked whether they used these AFS products in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that the true value is only slightly greater than zero.

Table C-187 Use of AFS by Household Characteristic: Virginia

Household Characteristic

All Households

Use of AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used a 

Transaction AFS Ever Used a Credit AFS

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 3,008 100.0 1,056 35.1 1,783 59.3 169 5.6 934 31.1 358 11.9

Banking Status

Unbanked 199 6.6 113 56.9 69 34.7 17 8.4 103 51.8 56 28.1

Underbanked 503 16.7 503 100.0 0 0.0 0 0.0 462 91.8 186 37.0

Fully Banked 2,138 71.1 424 19.8 1,714 80.2 0 0.0 361 16.9 109 5.1

Banked but Underbanked Status Unknown 168 5.6 15 9.0 - - 153 91.0 8 4.8 7 4.2

Household Type

Family household 2,013 66.9 689 34.2 1,231 61.2 92 4.6 615 30.6 240 11.9

Female householder, no husband present 376 12.5 167 44.5 174 46.4 34 9.1 137 36.6 81 21.6

Male householder, no wife present 89 2.9 NA NA NA NA NA NA NA NA NA NA

Married couple 1,548 51.5 465 30.0 1,025 66.2 58 3.7 424 27.4 133 8.6

Nonfamily household 992 33.0 363 36.6 551 55.6 77 7.8 315 31.8 118 11.9

Female householder 550 18.3 173 31.4 328 59.7 49 8.9 152 27.6 51 9.3

Male householder 441 14.7 190 43.1 223 50.5 28 6.4 163 37.0 67 15.2

Other 4 0.1 NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 589 19.6 295 50.0 247 41.9 48 8.1 247 41.9 147 25.0

Hispanic non-Black 120 4.0 55 46.4 45 38.0 19 15.6 55 46.4 7 5.6

White non-Black non-Hispanic 2,122 70.6 669 31.5 1,368 64.4 85 4.0 600 28.3 197 9.3

Other non-Black non-Hispanic 177 5.9 36 20.5 123 69.4 18 10.1 33 18.4 8 4.3

Age

15 to 34 years 643 21.4 313 48.7 311 48.4 19 2.9 274 42.6 135 21.0

35 to 44 years 555 18.4 176 31.7 335 60.3 45 8.0 149 26.8 73 13.1

45 to 54 years 640 21.3 230 36.0 352 54.9 58 9.1 192 30.0 84 13.1

55 to 64 years 547 18.2 198 36.3 330 60.4 19 3.4 192 35.1 42 7.7

65 years or more 623 20.7 138 22.2 455 73.0 30 4.8 129 20.6 25 4.0

Education

No high school degree 320 10.6 156 48.8 133 41.7 31 9.6 137 42.6 51 15.9

High school degree 765 25.4 275 36.0 441 57.7 49 6.4 231 30.1 125 16.4

Some college 781 26.0 340 43.5 411 52.6 30 3.9 286 36.6 135 17.3

College degree 1,142 38.0 285 24.9 797 69.8 60 5.3 281 24.6 47 4.1

Household Income

Less than $15,000 357 11.9 174 48.8 167 46.7 16 4.5 146 40.9 71 19.9

Between $15,000 and $30,000 450 15.0 177 39.4 233 51.7 40 8.9 157 34.9 75 16.7

Between $30,000 and $50,000 539 17.9 202 37.5 309 57.3 28 5.2 174 32.2 79 14.6

Between $50,000 and $75,000 569 18.9 234 41.0 305 53.6 31 5.4 207 36.4 85 14.9

At Least $75,000 1,093 36.3 269 24.6 769 70.4 55 5.0 250 22.9 49 4.4

Homeownership

Homeowner 2,060 68.5 601 29.2 1,359 66.0 100 4.9 542 26.3 139 6.7

Non-homeowner 948 31.5 455 48.0 423 44.7 69 7.3 392 41.4 220 23.2

Notes:

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund 

anticipation loans.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-188 Timing of AFS Use by Household Characteristic: Virginia

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 Daysb In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Used AFS in the Last 

Year

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 3,008 100.0 307 10.2 295 9.8 453 15.1 1,783 59.3 169 5.6 602 20.0

Banking Status

Unbanked 199 6.6 63 31.7 36 18.0 14 7.1 69 34.7 17 8.4 99 49.7

Underbanked 503 16.7 244 48.5 259 51.5 0 0.0 0 0.0 0 0.0 503 100.0

Fully Banked 2,138 71.1 0 0.0 0 0.0 424 19.8 1,714 80.2 0 0.0 0 0.0

Banked but Underbanked Status Unknown 168 5.6 0 0.0 0 0.0 15 9.0 0 0.0 153 91.0 0 0.0

Household Type

Family household 2,013 66.9 193 9.6 222 11.0 274 13.6 1,231 61.2 92 4.6 415 20.6

Female householder, no husband present 376 12.5 54 14.5 68 18.2 44 11.8 174 46.4 34 9.1 123 32.7

Male householder, no wife present 89 2.9 NA NA NA NA NA NA NA NA NA NA NA NA

Married couple 1,548 51.5 116 7.5 141 9.1 208 13.4 1,025 66.2 58 3.7 258 16.6

Nonfamily household 992 33.0 114 11.5 70 7.0 179 18.1 551 55.6 77 7.8 184 18.5

Female householder 550 18.3 51 9.3 39 7.1 82 15.0 328 59.7 49 8.9 90 16.4

Male householder 441 14.7 63 14.2 31 7.0 97 21.9 223 50.5 28 6.4 94 21.2

Other 4 0.1 NA NA NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 589 19.6 155 26.4 81 13.7 58 9.9 247 41.9 48 8.1 236 40.1

Hispanic non-Black 120 4.0 18 15.0 32 26.9 5 4.5 45 38.0 19 15.6 50 41.9

White non-Black non-Hispanic 2,122 70.6 127 6.0 174 8.2 368 17.4 1,368 64.4 85 4.0 301 14.2

Other non-Black non-Hispanic 177 5.9 7 4.0 8 4.4 21 12.1 123 69.4 18 10.1 15 8.4

Age

15 to 34 years 643 21.4 128 20.0 87 13.6 98 15.2 311 48.4 19 2.9 216 33.5

35 to 44 years 555 18.4 41 7.4 42 7.7 92 16.6 335 60.3 45 8.0 83 15.0

45 to 54 years 640 21.3 60 9.4 90 14.1 80 12.5 352 54.9 58 9.1 150 23.4

55 to 64 years 547 18.2 59 10.8 46 8.3 94 17.2 330 60.4 19 3.4 105 19.1

65 years or more 623 20.7 19 3.0 30 4.8 90 14.4 455 73.0 30 4.8 49 7.8

Education

No high school degree 320 10.6 55 17.0 42 13.2 59 18.5 133 41.7 31 9.6 97 30.3

High school degree 765 25.4 86 11.2 65 8.5 124 16.2 441 57.7 49 6.4 151 19.7

Some college 781 26.0 108 13.8 99 12.7 133 17.0 411 52.6 30 3.9 207 26.5

College degree 1,142 38.0 59 5.2 88 7.7 137 12.0 797 69.8 60 5.3 147 12.9

Household Income

Less than $15,000 357 11.9 69 19.4 40 11.2 65 18.2 167 46.7 16 4.5 109 30.6

Between $15,000 and $30,000 450 15.0 60 13.4 57 12.6 60 13.4 233 51.7 40 8.9 117 25.9

Between $30,000 and $50,000 539 17.9 62 11.5 67 12.5 73 13.5 309 57.3 28 5.2 129 24.0

Between $50,000 and $75,000 569 18.9 68 12.0 75 13.2 90 15.9 305 53.6 31 5.4 143 25.2

At Least $75,000 1,093 36.3 48 4.4 56 5.1 165 15.1 769 70.4 55 5.0 104 9.5

Homeownership

Homeowner 2,060 68.5 112 5.4 153 7.4 336 16.3 1,359 66.0 100 4.9 265 12.9

Non-homeowner 948 31.5 195 20.6 142 15.0 118 12.4 423 44.7 69 7.3 337 35.6

Notes:

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use rent-to-own agreements or refund anticipation loans in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-189 Use of AFS by Banking Status: Washington

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 2,748 100.0 123 100.0 533 100.0 2,012 100.0 NA NA

Any AFS

Has Ever Used 1,202 43.7 93 75.8 533 100.0 557 27.7 NA NA

Has Never Used 1,475 53.7 20 16.2 0 0.0 1,455 72.3 NA NA

Unknown 72 2.6 10 8.0 0 0.0 0 0.0 NA NA

Non-Bank Money Order

Has Ever Used 865 31.5 74 60.2 391 73.4 387 19.3 NA NA

Has Never Used 1,821 66.3 39 31.7 136 25.5 1,625 80.7 NA NA

Unknown 63 2.3 10 8.0 6 1.1 0 0.0 NA NA

Non-Bank Check Cashing

Has Ever Used 339 12.3 70 56.9 167 31.4 89 4.4 NA NA

Has Never Used 2,349 85.5 43 35.1 358 67.1 1,923 95.6 NA NA

Unknown 61 2.2 10 8.0 8 1.5 0 0.0 NA NA

Non-Bank Remittances

Has Ever Used 122 4.5 10 8.0 80 15.0 33 1.6 NA NA

Has Never Used 2,565 93.3 104 84.0 450 84.5 1,979 98.4 NA NA

Unknown 61 2.2 10 8.0 3 0.5 0 0.0 NA NA

Payday Lending

Has Ever Used 307 11.2 9 7.3 170 31.9 125 6.2 NA NA

Has Never Used 2,367 86.1 99 80.0 356 66.8 1,887 93.8 NA NA

Unknown 74 2.7 16 12.6 7 1.2 0 0.0 NA NA

Pawn Shops

Has Ever Used 257 9.4 37 29.8 139 26.1 75 3.7 NA NA

Has Never Used 2,424 88.2 67 54.4 391 73.4 1,937 96.3 NA NA

Unknown 67 2.4 19 15.8 3 0.5 0 0.0 NA NA

Rent-to-Own

Has Ever Used 108 3.9 16 13.2 56 10.5 33 1.6 NA NA

Has Never Used 2,570 93.5 91 74.2 470 88.3 1,979 98.4 NA NA

Unknown 70 2.6 16 12.6 7 1.2 0 0.0 NA NA

Refund Anticipation Loans

Has Ever Used 89 3.2 5 4.4 52 9.8 31 1.5 NA NA

Has Never Used 2,584 94.0 102 82.9 474 88.9 1,981 98.5 NA NA

Unknown 75 2.7 16 12.6 7 1.2 0 0.0 NA NA

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-190 Timing of AFS Use by Banking Status: Washington

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 2,748 100.0 123 100.0 533 100.0 2,012 100.0 NA NA

Any AFS

In Last 30 Days 242 8.8 52 42.1 190 35.7 0 0.0 NA NA

In Last 2-12 Months 373 13.6 31 25.0 342 64.3 0 0.0 NA NA

Not in the Last 12 Months 586 21.3 11 8.8 0 0.0 557 27.7 NA NA

Never Used 1,475 53.7 20 16.2 0 0.0 1,455 72.3 NA NA

Unknown 72 2.6 10 8.0 0 0.0 0 0.0 NA NA

Non-Bank Money Order

In Last 30 Days 135 4.9 46 37.4 89 16.7 0 0.0 NA NA

In Last 2-12 Months 249 9.1 21 16.9 228 42.8 0 0.0 NA NA

Not in the Last 12 Months 481 17.5 7 5.9 74 13.9 387 19.3 NA NA

Never Used 1,821 66.3 39 31.7 136 25.5 1,625 80.7 NA NA

Unknown 63 2.3 10 8.0 6 1.1 - - NA NA

Non-Bank Check Cashing

In Last 30 Days 61 2.2 26 21.0 35 6.6 0 0.0 NA NA

In Last 2-12 Months 102 3.7 24 19.4 78 14.6 0 0.0 NA NA

Not in the Last 12 Months 176 6.4 20 16.6 55 10.2 89 4.4 NA NA

Never Used 2,349 85.5 43 35.1 358 67.1 1,923 95.6 NA NA

Unknown 61 2.2 10 8.0 8 1.5 - - NA NA

Non-Bank Remittances

In Last 30 Days 21 0.8 7 5.6 14 2.6 0 0.0 NA NA

In Last 2-12 Months 39 1.4 3 2.4 36 6.8 0 0.0 NA NA

Not in the Last 12 Months 63 2.3 - - 30 5.6 33 1.6 NA NA

Never Used 2,565 93.3 104 84.0 450 84.5 1,979 98.4 NA NA

Unknown 61 2.2 10 8.0 3 0.5 - - NA NA

Payday Lending

In Last 30 Days 48 1.7 - - 48 9.0 0 0.0 NA NA

In Last 2-12 Months 45 1.6 - - 45 8.4 0 0.0 NA NA

Not in the Last 12 Months 215 7.8 9 7.3 77 14.5 125 6.2 NA NA

Never Used 2,367 86.1 99 80.0 356 66.8 1,887 93.8 NA NA

Unknown 74 2.7 16 12.6 7 1.2 - - NA NA
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-190 Timing of AFS Use by Banking Status: Washington

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Pawn Shops

In Last 30 Days 27 1.0 6 4.7 21 4.0 0 0.0 NA NA

In Last 2-12 Months 89 3.3 16 12.6 74 13.9 0 0.0 NA NA

Not in the Last 12 Months 141 5.1 15 12.6 44 8.3 75 3.7 NA NA

Never Used 2,424 88.2 67 54.4 391 73.4 1,937 96.3 NA NA

Unknown 67 2.4 19 15.8 3 0.5 - - NA NA

Rent-to-Owna

Used in last 12 months 17 0.6 13 10.7 4 0.7 0 0.0 NA NA

Used but not in last 12 months 91 3.3 3 2.5 52 9.8 33 1.6 NA NA

Never Used 2,570 93.5 91 74.2 470 88.3 1,979 98.4 NA NA

Unknown 70 2.6 16 12.6 7 1.2 - - NA NA

Refund Anticipation Loansa

Used in last 12 months 26 0.9 2 1.9 24 4.4 0 0.0 NA NA

Used but not in last 12 months 63 2.3 3 2.5 29 5.4 31 1.5 NA NA

Never Used 2,584 94.0 102 82.9 474 88.9 1,981 98.5 NA NA

Unknown 75 2.7 16 12.6 7 1.2 - - NA NA

Notes:

Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are 

categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as 

having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. a Households were not asked whether they used these AFS products in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-191 Use of AFS by Household Characteristic: Washington

Household Characteristic

All Households

Use of AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used a 

Transaction AFS Ever Used a Credit AFS

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 2,748 100.0 1,202 43.7 1,475 53.7 72 2.6 1,029 37.4 510 18.5

Banking Status

Unbanked 123 4.5 93 75.8 20 16.2 10 8.0 90 73.3 46 37.6

Underbanked 533 19.4 533 100.0 0 0.0 0 0.0 477 89.6 247 46.3

Fully Banked 2,012 73.2 557 27.7 1,455 72.3 0 0.0 443 22.0 210 10.5

Banked but Underbanked Status Unknown 80 2.9 NA NA NA NA NA NA NA NA NA NA

Household Type

Family household 1,695 61.7 750 44.2 893 52.7 52 3.1 637 37.6 328 19.3

Female householder, no husband present 300 10.9 198 66.2 88 29.3 13 4.5 162 54.1 115 38.4

Male householder, no wife present 172 6.3 82 47.8 70 40.5 20 11.7 68 39.6 45 25.8

Married couple 1,223 44.5 469 38.4 735 60.2 18 1.5 407 33.3 168 13.7

Nonfamily household 1,051 38.2 452 43.0 579 55.1 20 1.9 391 37.2 182 17.3

Female householder 512 18.6 209 40.7 291 56.8 13 2.5 190 37.1 62 12.1

Male householder 539 19.6 243 45.1 288 53.5 7 1.3 201 37.4 120 22.3

Other 3 0.1 NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 118 4.3 66 56.2 48 40.5 4 3.3 66 56.2 25 21.0

Hispanic non-Black 161 5.8 96 59.9 57 35.2 8 4.9 88 54.5 31 19.3

White non-Black non-Hispanic 2,199 80.0 928 42.2 1,215 55.2 56 2.5 785 35.7 401 18.3

Other non-Black non-Hispanic 271 9.9 111 40.8 156 57.6 4 1.6 90 33.1 52 19.3

Age

15 to 34 years 642 23.4 329 51.3 295 46.0 18 2.7 271 42.3 158 24.6

35 to 44 years 500 18.2 238 47.7 249 49.8 13 2.5 202 40.5 121 24.2

45 to 54 years 571 20.8 253 44.3 302 52.8 17 2.9 218 38.2 129 22.6

55 to 64 years 538 19.6 220 40.9 305 56.7 13 2.4 185 34.4 69 12.8

65 years or more 497 18.1 161 32.3 324 65.3 12 2.4 151 30.5 32 6.5

Education

No high school degree 231 8.4 131 56.6 82 35.3 19 8.1 124 53.8 49 21.3

High school degree 568 20.7 271 47.8 280 49.3 16 2.9 227 40.0 150 26.5

Some college 1,053 38.3 491 46.6 545 51.8 17 1.6 407 38.7 218 20.7

College degree 896 32.6 308 34.4 568 63.4 20 2.2 270 30.1 92 10.3

Household Income

Less than $15,000 368 13.4 211 57.3 133 36.1 24 6.6 183 49.8 93 25.3

Between $15,000 and $30,000 412 15.0 216 52.3 181 43.9 16 3.8 187 45.5 113 27.4

Between $30,000 and $50,000 596 21.7 274 46.0 311 52.2 11 1.9 212 35.5 140 23.5

Between $50,000 and $75,000 590 21.5 219 37.1 361 61.3 9 1.6 182 30.9 79 13.4

At Least $75,000 782 28.5 282 36.1 489 62.5 12 1.5 264 33.7 84 10.8

Homeownership

Homeowner 1,662 60.5 572 34.4 1,049 63.1 41 2.5 487 29.3 183 11.0

Non-homeowner 1,087 39.5 630 58.0 426 39.2 31 2.8 541 49.8 327 30.1

Notes:

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund anticipation loans.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-192 Timing of AFS Use by Household Characteristic: Washington

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 Daysb In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Used AFS in the Last 

Year

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 2,748 100.0 242 8.8 373 13.6 586 21.3 1,475 53.7 72 2.6 615 22.4

Banking Status

Unbanked 123 4.5 52 42.1 31 25.0 11 8.8 20 16.2 10 8.0 83 67.0

Underbanked 533 19.4 190 35.7 342 64.3 0 0.0 0 0.0 0 0.0 533 100.0

Fully Banked 2,012 73.2 0 0.0 0 0.0 557 27.7 1,455 72.3 0 0.0 0 0.0

Banked but Underbanked Status Unknown 80 2.9 0 0.0 0 0.0 NA NA 0 0.0 NA NA 0 0.0

Household Type

Family household 1,695 61.7 171 10.1 231 13.6 348 20.5 893 52.7 52 3.1 402 23.7

Female householder, no husband present 300 10.9 74 24.8 70 23.3 54 18.1 88 29.3 13 4.5 144 48.1

Male householder, no wife present 172 6.3 32 18.8 20 11.6 30 17.3 70 40.5 20 11.7 52 30.5

Married couple 1,223 44.5 65 5.3 141 11.5 264 21.6 735 60.2 18 1.5 205 16.8

Nonfamily household 1,051 38.2 71 6.7 143 13.6 238 22.7 579 55.1 20 1.9 213 20.3

Female householder 512 18.6 26 5.1 65 12.7 118 23.0 291 56.8 13 2.5 91 17.7

Male householder 539 19.6 45 8.4 78 14.4 121 22.4 288 53.5 7 1.3 123 22.8

Other 3 0.1 NA NA NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 118 4.3 23 19.4 31 26.2 12 10.6 48 40.5 4 3.3 54 45.6

Hispanic non-Black 161 5.8 41 25.4 34 21.3 21 13.2 57 35.2 8 4.9 75 46.7

White non-Black non-Hispanic 2,199 80.0 154 7.0 266 12.1 509 23.1 1,215 55.2 56 2.5 420 19.1

Other non-Black non-Hispanic 271 9.9 25 9.2 42 15.5 44 16.1 156 57.6 4 1.6 67 24.7

Age

15 to 34 years 642 23.4 101 15.8 97 15.1 131 20.4 295 46.0 18 2.7 198 30.9

35 to 44 years 500 18.2 37 7.4 63 12.7 138 27.6 249 49.8 13 2.5 101 20.1

45 to 54 years 571 20.8 50 8.7 94 16.5 109 19.0 302 52.8 17 2.9 144 25.3

55 to 64 years 538 19.6 29 5.4 73 13.6 118 21.9 305 56.7 13 2.4 102 19.0

65 years or more 497 18.1 25 5.1 45 9.0 91 18.2 324 65.3 12 2.4 70 14.1

Education

No high school degree 231 8.4 57 24.5 41 17.6 34 14.5 82 35.3 19 8.1 97 42.1

High school degree 568 20.7 84 14.7 74 13.0 114 20.0 280 49.3 16 2.9 158 27.7

Some college 1,053 38.3 88 8.4 191 18.1 212 20.1 545 51.8 17 1.6 279 26.5

College degree 896 32.6 14 1.5 68 7.5 227 25.3 568 63.4 20 2.2 81 9.1

Household Income

Less than $15,000 368 13.4 66 17.9 77 20.9 68 18.5 133 36.1 24 6.6 143 38.8

Between $15,000 and $30,000 412 15.0 65 15.7 74 17.9 77 18.7 181 43.9 16 3.8 139 33.6

Between $30,000 and $50,000 596 21.7 75 12.6 79 13.3 120 20.1 311 52.2 11 1.9 154 25.9

Between $50,000 and $75,000 590 21.5 27 4.5 65 11.0 128 21.7 361 61.3 9 1.6 91 15.5

At Least $75,000 782 28.5 10 1.3 78 10.0 194 24.8 489 62.5 12 1.5 88 11.3

Homeownership

Homeowner 1,662 60.5 49 3.0 162 9.7 361 21.7 1,049 63.1 41 2.5 211 12.7

Non-homeowner 1,087 39.5 193 17.8 211 19.4 225 20.8 426 39.2 31 2.8 404 37.2

Notes:

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as 

having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 

months. The unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use 

rent-to-own agreements or refund anticipation loans in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-193 Use of AFS by Banking Status: West Virginia

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 762 100.0 72 100.0 146 100.0 505 100.0 NA NA

Any AFS

Has Ever Used 382 50.1 60 82.9 146 100.0 169 33.4 NA NA

Has Never Used 347 45.6 11 15.2 0 0.0 336 66.6 NA NA

Unknown 33 4.3 1 1.9 0 0.0 0 0.0 NA NA

Non-Bank Money Order

Has Ever Used 311 40.7 51 69.8 122 83.3 131 25.9 NA NA

Has Never Used 420 55.1 21 28.3 23 15.5 374 74.1 NA NA

Unknown 32 4.2 1 1.9 2 1.2 0 0.0 NA NA

Non-Bank Check Cashing

Has Ever Used 110 14.4 19 26.3 57 38.7 32 6.4 NA NA

Has Never Used 624 81.8 50 69.3 90 61.3 473 93.6 NA NA

Unknown 29 3.8 3 4.3 - - 0 0.0 NA NA

Non-Bank Remittances

Has Ever Used 15 2.0 1 2.0 7 4.7 7 1.3 NA NA

Has Never Used 721 94.6 70 96.1 138 94.2 498 98.7 NA NA

Unknown 26 3.4 1 1.9 2 1.1 0 0.0 NA NA

Payday Lending

Has Ever Used 12 1.6 3 4.3 5 3.3 4 0.8 NA NA

Has Never Used 728 95.5 69 95.7 140 95.6 501 99.2 NA NA

Unknown 22 2.9 - - 2 1.1 0 0.0 NA NA

Pawn Shops

Has Ever Used 72 9.5 22 30.8 38 26.0 12 2.4 NA NA

Has Never Used 665 87.3 49 67.3 105 71.9 493 97.6 NA NA

Unknown 25 3.3 1 1.9 3 2.2 0 0.0 NA NA

Rent-to-Own

Has Ever Used 39 5.1 13 17.6 14 9.8 11 2.1 NA NA

Has Never Used 696 91.3 58 80.5 129 88.1 494 97.9 NA NA

Unknown 27 3.6 1 1.9 3 2.2 0 0.0 NA NA

Refund Anticipation Loans

Has Ever Used 34 4.4 13 18.4 12 8.0 9 1.7 NA NA

Has Never Used 701 92.0 58 79.7 131 89.8 496 98.3 NA NA

Unknown 27 3.6 1 1.9 3 2.2 0 0.0 NA NA

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-194 Timing of AFS Use by Banking Status: West Virginia

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 762 100.0 72 100.0 146 100.0 505 100.0 NA NA

Any AFS

In Last 30 Days 65 8.5 24 33.0 41 27.9 0 0.0 NA NA

In Last 2-12 Months 130 17.0 25 33.9 105 72.1 0 0.0 NA NA

Not in the Last 12 Months 188 24.6 12 16.0 0 0.0 169 33.4 NA NA

Never Used 347 45.6 11 15.2 0 0.0 336 66.6 NA NA

Unknown 33 4.3 1 1.9 0 0.0 0 0.0 NA NA

Non-Bank Money Order

In Last 30 Days 49 6.4 19 26.7 30 20.3 0 0.0 NA NA

In Last 2-12 Months 90 11.8 17 23.2 73 49.9 0 0.0 NA NA

Not in the Last 12 Months 172 22.6 14 19.9 19 13.2 131 25.9 NA NA

Never Used 420 55.1 21 28.3 23 15.5 374 74.1 NA NA

Unknown 32 4.2 1 1.9 2 1.2 - - NA NA

Non-Bank Check Cashing

In Last 30 Days 17 2.2 5 6.3 12 8.5 0 0.0 NA NA

In Last 2-12 Months 38 5.0 4 4.8 35 23.7 0 0.0 NA NA

Not in the Last 12 Months 54 7.1 11 15.2 10 6.5 32 6.4 NA NA

Never Used 624 81.8 50 69.3 90 61.3 473 93.6 NA NA

Unknown 29 3.8 3 4.3 - - - - NA NA

Non-Bank Remittances

In Last 30 Days 1 0.2 - - 1 0.9 0 0.0 NA NA

In Last 2-12 Months 6 0.8 1 2.0 4 3.0 0 0.0 NA NA

Not in the Last 12 Months 8 1.0 - - 1 0.8 7 1.3 NA NA

Never Used 721 94.6 70 96.1 138 94.2 498 98.7 NA NA

Unknown 26 3.4 1 1.9 2 1.1 - - NA NA

Payday Lending

In Last 30 Days 2 0.2 - - 2 1.1 0 0.0 NA NA

In Last 2-12 Months 3 0.4 1 2.0 2 1.2 0 0.0 NA NA

Not in the Last 12 Months 7 1.0 2 2.3 1 1.0 4 0.8 NA NA

Never Used 728 95.5 69 95.7 140 95.6 501 99.2 NA NA

Unknown 22 2.9 - - 2 1.1 - - NA NA
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-194 Timing of AFS Use by Banking Status: West Virginia

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Pawn Shops

In Last 30 Days 5 0.7 3 4.7 2 1.3 0 0.0 NA NA

In Last 2-12 Months 22 2.9 6 8.5 16 10.7 0 0.0 NA NA

Not in the Last 12 Months 45 5.9 13 17.6 20 14.0 12 2.4 NA NA

Never Used 665 87.3 49 67.3 105 71.9 493 97.6 NA NA

Unknown 25 3.3 1 1.9 3 2.2 - - NA NA

Rent-to-Owna

Used in last 12 months 15 1.9 8 11.6 6 4.3 0 0.0 NA NA

Used but not in last 12 months 24 3.2 4 6.0 8 5.5 11 2.1 NA NA

Never Used 696 91.3 58 80.5 129 88.1 494 97.9 NA NA

Unknown 27 3.6 1 1.9 3 2.2 - - NA NA

Refund Anticipation Loansa

Used in last 12 months 10 1.3 7 9.4 3 2.1 0 0.0 NA NA

Used but not in last 12 months 24 3.1 7 9.0 9 5.9 9 1.7 NA NA

Never Used 701 92.0 58 79.7 131 89.8 496 98.3 NA NA

Unknown 27 3.6 1 1.9 3 2.2 - - NA NA

Notes:

Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are 

categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as 

having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. a Households were not asked whether they used these AFS products in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-195 Use of AFS by Household Characteristic: West Virginia

Household Characteristic

All Households

Use of AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used a 

Transaction AFS Ever Used a Credit AFS

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 762 100.0 382 50.1 347 45.6 33 4.3 350 45.9 126 16.5

Banking Status

Unbanked 72 9.5 60 82.9 11 15.2 1 1.9 54 74.8 35 48.7

Underbanked 146 19.2 146 100.0 0 0.0 0 0.0 140 96.2 55 37.7

Fully Banked 505 66.3 169 33.4 336 66.6 0 0.0 148 29.4 34 6.8

Banked but Underbanked Status Unknown 39 5.1 NA NA NA NA NA NA NA NA NA NA

Household Type

Family household 505 66.3 268 53.0 213 42.3 24 4.7 244 48.3 93 18.3

Female householder, no husband present 103 13.5 71 69.0 29 28.1 3 2.8 66 63.8 30 28.7

Male householder, no wife present 40 5.3 NA NA NA NA NA NA NA NA NA NA

Married couple 362 47.5 168 46.5 175 48.4 18 5.0 154 42.5 52 14.5

Nonfamily household 257 33.7 114 44.5 134 52.1 9 3.4 106 41.3 33 12.9

Female householder 137 18.0 51 37.4 77 56.2 9 6.4 47 34.5 17 12.4

Male householder 120 15.7 63 52.7 57 47.3 - - 59 49.2 16 13.6

Race/Ethnicity

Black 27 3.5 NA NA NA NA NA NA NA NA NA NA

Hispanic non-Black 5 0.6 NA NA NA NA NA NA NA NA NA NA

White non-Black non-Hispanic 718 94.2 351 48.9 334 46.6 33 4.6 322 44.9 118 16.4

Other non-Black non-Hispanic 12 1.6 NA NA NA NA NA NA NA NA NA NA

Age

15 to 34 years 139 18.2 79 57.3 55 39.7 4 3.1 68 49.4 43 31.3

35 to 44 years 133 17.4 76 57.5 53 40.3 3 2.2 71 53.8 32 24.3

45 to 54 years 131 17.2 69 53.0 54 41.2 8 5.8 65 49.9 23 17.7

55 to 64 years 163 21.5 74 45.2 83 50.6 7 4.2 70 42.7 10 5.9

65 years or more 196 25.8 83 42.3 102 52.1 11 5.6 75 38.3 17 8.9

Education

No high school degree 132 17.3 82 61.8 44 33.2 7 5.1 68 51.6 39 29.6

High school degree 307 40.3 163 53.0 131 42.5 14 4.5 153 49.7 45 14.8

Some college 187 24.5 85 45.4 96 51.6 6 3.0 80 43.1 31 16.7

College degree 136 17.9 53 38.9 77 56.2 7 4.9 49 35.8 10 7.4

Household Income

Less than $15,000 179 23.5 112 62.6 60 33.7 7 3.7 104 57.9 54 30.2

Between $15,000 and $30,000 162 21.2 84 51.8 70 43.5 8 4.8 76 46.7 28 17.2

Between $30,000 and $50,000 155 20.3 79 51.1 70 44.9 6 4.0 71 45.8 21 13.7

Between $50,000 and $75,000 149 19.5 66 44.6 79 53.0 4 2.5 62 41.9 16 10.5

At Least $75,000 118 15.4 41 34.8 68 58.0 9 7.2 38 32.2 7 6.1

Homeownership

Homeowner 583 76.5 267 45.8 292 50.0 24 4.1 248 42.6 63 10.9

Non-homeowner 179 23.5 115 64.2 56 31.0 9 4.8 102 56.9 62 34.9

Notes:

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund 

anticipation loans.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-196 Timing of AFS Use by Household Characteristic: West Virginia

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 Daysb In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Used AFS in the Last 

Year

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 762 100.0 65 8.5 130 17.0 188 24.6 347 45.6 33 4.3 195 25.5

Banking Status

Unbanked 72 9.5 24 33.0 25 33.9 12 16.0 11 15.2 1 1.9 48 66.9

Underbanked 146 19.2 41 27.9 105 72.1 0 0.0 0 0.0 0 0.0 146 100.0

Fully Banked 505 66.3 0 0.0 0 0.0 169 33.4 336 66.6 0 0.0 0 0.0

Banked but Underbanked Status Unknown 39 5.1 0 0.0 0 0.0 NA NA 0 0.0 NA NA 0 0.0

Household Type

Family household 505 66.3 46 9.2 89 17.5 133 26.3 213 42.3 24 4.7 135 26.7

Female householder, no husband present 103 13.5 18 17.4 22 20.8 32 30.8 29 28.1 3 2.8 39 38.2

Male householder, no wife present 40 5.3 NA NA NA NA NA NA NA NA NA NA NA NA

Married couple 362 47.5 20 5.6 63 17.5 85 23.5 175 48.4 18 5.0 83 23.0

Nonfamily household 257 33.7 18 7.1 41 16.1 55 21.4 134 52.1 9 3.4 60 23.2

Female householder 137 18.0 10 7.1 19 14.0 22 16.3 77 56.2 9 6.4 29 21.1

Male householder 120 15.7 8 7.0 22 18.5 33 27.2 57 47.3 - - 31 25.5

Race/Ethnicity

Black 27 3.5 NA NA NA NA NA NA NA NA NA NA NA NA

Hispanic non-Black 5 0.6 NA NA NA NA NA NA NA NA NA NA NA NA

White non-Black non-Hispanic 718 94.2 56 7.8 115 16.1 179 25.0 334 46.6 33 4.6 172 23.9

Other non-Black non-Hispanic 12 1.6 NA NA NA NA NA NA NA NA NA NA NA NA

Age

15 to 34 years 139 18.2 26 18.5 24 17.1 30 21.7 55 39.7 4 3.1 49 35.6

35 to 44 years 133 17.4 13 9.7 30 22.5 34 25.3 53 40.3 3 2.2 43 32.2

45 to 54 years 131 17.2 11 8.3 34 25.9 25 18.8 54 41.2 8 5.8 45 34.2

55 to 64 years 163 21.5 8 5.0 26 16.1 39 24.1 83 50.6 7 4.2 34 21.1

65 years or more 196 25.8 7 3.7 16 8.2 60 30.5 102 52.1 11 5.6 23 11.8

Education

No high school degree 132 17.3 18 13.6 24 18.3 39 29.9 44 33.2 7 5.1 42 31.9

High school degree 307 40.3 28 9.2 61 19.9 73 23.9 131 42.5 14 4.5 89 29.1

Some college 187 24.5 13 7.1 33 17.6 39 20.7 96 51.6 6 3.0 46 24.7

College degree 136 17.9 5 3.8 12 8.6 36 26.5 77 56.2 7 4.9 17 12.4

Household Income

Less than $15,000 179 23.5 33 18.4 46 25.6 33 18.6 60 33.7 7 3.7 79 44.0

Between $15,000 and $30,000 162 21.2 14 8.6 22 13.7 48 29.4 70 43.5 8 4.8 36 22.3

Between $30,000 and $50,000 155 20.3 6 3.8 27 17.5 46 29.8 70 44.9 6 4.0 33 21.3

Between $50,000 and $75,000 149 19.5 7 4.4 24 16.2 36 23.9 79 53.0 4 2.5 31 20.6

At Least $75,000 118 15.4 5 4.6 11 9.2 25 21.0 68 58.0 9 7.2 16 13.8

Homeownership

Homeowner 583 76.5 26 4.4 91 15.6 151 25.8 292 50.0 24 4.1 117 20.0

Non-homeowner 179 23.5 39 21.8 39 21.7 37 20.6 56 31.0 9 4.8 78 43.5

Notes:

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as 

having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 

months. The unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use 

rent-to-own agreements or refund anticipation loans in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-197 Use of AFS by Banking Status: Wisconsin

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 2,316 100.0 105 100.0 329 100.0 1,823 100.0 NA NA

Any AFS

Has Ever Used 770 33.2 87 82.5 329 100.0 343 18.8 NA NA

Has Never Used 1,496 64.6 16 15.1 0 0.0 1,480 81.2 NA NA

Unknown 51 2.2 3 2.4 0 0.0 0 0.0 NA NA

Non-Bank Money Order

Has Ever Used 555 24.0 64 60.7 255 77.5 233 12.8 NA NA

Has Never Used 1,725 74.5 39 36.9 74 22.5 1,590 87.2 NA NA

Unknown 37 1.6 3 2.4 - - 0 0.0 NA NA

Non-Bank Check Cashing

Has Ever Used 259 11.2 46 43.7 115 34.9 95 5.2 NA NA

Has Never Used 2,025 87.4 57 53.9 214 65.1 1,728 94.8 NA NA

Unknown 33 1.4 3 2.4 - - 0 0.0 NA NA

Non-Bank Remittances

Has Ever Used 102 4.4 20 18.7 54 16.3 28 1.5 NA NA

Has Never Used 2,178 94.0 83 78.9 272 82.7 1,795 98.5 NA NA

Unknown 36 1.6 2 2.4 3 1.0 0 0.0 NA NA

Payday Lending

Has Ever Used 113 4.9 14 13.4 60 18.1 37 2.0 NA NA

Has Never Used 2,165 93.5 86 81.4 267 80.9 1,786 98.0 NA NA

Unknown 38 1.7 5 5.1 3 1.0 0 0.0 NA NA

Pawn Shops

Has Ever Used 103 4.4 11 10.5 63 19.2 26 1.4 NA NA

Has Never Used 2,177 94.0 89 84.4 263 79.8 1,797 98.6 NA NA

Unknown 36 1.6 5 5.1 3 1.0 0 0.0 NA NA

Rent-to-Own

Has Ever Used 52 2.2 6 5.3 26 7.8 20 1.1 NA NA

Has Never Used 2,219 95.8 91 86.6 298 90.4 1,803 98.9 NA NA

Unknown 46 2.0 8 8.1 6 1.7 0 0.0 NA NA

Refund Anticipation Loans

Has Ever Used 56 2.4 5 4.5 24 7.3 28 1.5 NA NA

Has Never Used 2,212 95.5 92 87.4 296 89.7 1,796 98.5 NA NA

Unknown 48 2.1 8 8.1 10 3.0 0 0.0 NA NA

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-198 Timing of AFS Use by Banking Status: Wisconsin

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 2,316 100.0 105 100.0 329 100.0 1,823 100.0 NA NA

Any AFS

In Last 30 Days 187 8.1 50 47.8 136 41.4 0 0.0 NA NA

In Last 2-12 Months 216 9.3 23 21.5 193 58.6 0 0.0 NA NA

Not in the Last 12 Months 367 15.9 14 13.2 0 0.0 343 18.8 NA NA

Never Used 1,496 64.6 16 15.1 0 0.0 1,480 81.2 NA NA

Unknown 51 2.2 3 2.4 0 0.0 0 0.0 NA NA

Non-Bank Money Order

In Last 30 Days 103 4.4 16 14.9 87 26.4 0 0.0 NA NA

In Last 2-12 Months 179 7.7 30 28.9 149 45.2 0 0.0 NA NA

Not in the Last 12 Months 273 11.8 18 16.9 20 5.9 233 12.8 NA NA

Never Used 1,725 74.5 39 36.9 74 22.5 1,590 87.2 NA NA

Unknown 37 1.6 3 2.4 - - - - NA NA

Non-Bank Check Cashing

In Last 30 Days 71 3.1 40 38.1 31 9.5 0 0.0 NA NA

In Last 2-12 Months 51 2.2 - - 51 15.5 0 0.0 NA NA

Not in the Last 12 Months 136 5.9 6 5.7 33 9.9 95 5.2 NA NA

Never Used 2,025 87.4 57 53.9 214 65.1 1,728 94.8 NA NA

Unknown 33 1.4 3 2.4 - - - - NA NA

Non-Bank Remittances

In Last 30 Days 32 1.4 8 7.2 24 7.4 0 0.0 NA NA

In Last 2-12 Months 28 1.2 3 3.1 25 7.5 0 0.0 NA NA

Not in the Last 12 Months 42 1.8 9 8.4 5 1.5 28 1.5 NA NA

Never Used 2,178 94.0 83 78.9 272 82.7 1,795 98.5 NA NA

Unknown 36 1.6 2 2.4 3 1.0 - - NA NA

Payday Lending

In Last 30 Days 13 0.6 - - 13 3.9 0 0.0 NA NA

In Last 2-12 Months 26 1.1 3 3.3 23 6.9 0 0.0 NA NA

Not in the Last 12 Months 74 3.2 11 10.1 24 7.3 37 2.0 NA NA

Never Used 2,165 93.5 86 81.4 267 80.9 1,786 98.0 NA NA

Unknown 38 1.7 5 5.1 3 1.0 - - NA NA
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-198 Timing of AFS Use by Banking Status: Wisconsin

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Pawn Shops

In Last 30 Days 16 0.7 3 2.9 13 3.9 0 0.0 NA NA

In Last 2-12 Months 28 1.2 3 2.7 25 7.7 0 0.0 NA NA

Not in the Last 12 Months 59 2.6 5 4.9 25 7.7 26 1.4 NA NA

Never Used 2,177 94.0 89 84.4 263 79.8 1,797 98.6 NA NA

Unknown 36 1.6 5 5.1 3 1.0 - - NA NA

Rent-to-Owna

Used in last 12 months 9 0.4 - - 9 2.6 0 0.0 NA NA

Used but not in last 12 months 43 1.8 6 5.3 17 5.2 20 1.1 NA NA

Never Used 2,219 95.8 91 86.6 298 90.4 1,803 98.9 NA NA

Unknown 46 2.0 8 8.1 6 1.7 - - NA NA

Refund Anticipation Loansa

Used in last 12 months 17 0.7 3 2.4 14 4.3 0 0.0 NA NA

Used but not in last 12 months 40 1.7 2 2.1 10 3.0 28 1.5 NA NA

Never Used 2,212 95.5 92 87.4 296 89.7 1,796 98.5 NA NA

Unknown 48 2.1 8 8.1 10 3.0 - - NA NA

Notes:

Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are 

categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as 

having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. a Households were not asked whether they used these AFS products in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated 

that the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-199 Use of AFS by Household Characteristic: Wisconsin

Household Characteristic

All Households

Use of AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used a 

Transaction AFS Ever Used a Credit AFS

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 2,316 100.0 770 33.2 1,496 64.6 51 2.2 695 30.0 218 9.4

Banking Status

Unbanked 105 4.5 87 82.5 16 15.1 3 2.4 81 77.1 29 27.4

Underbanked 329 14.2 329 100.0 0 0.0 0 0.0 309 93.9 107 32.4

Fully Banked 1,823 78.7 343 18.8 1,480 81.2 0 0.0 299 16.4 77 4.2

Banked but Underbanked Status Unknown 58 2.5 NA NA NA NA NA NA NA NA NA NA

Household Type

Family household 1,507 65.1 470 31.2 1,002 66.5 36 2.4 414 27.4 125 8.3

Female householder, no husband present 246 10.6 115 46.7 120 49.0 11 4.3 96 39.1 56 23.0

Male householder, no wife present 106 4.6 44 41.5 57 53.6 5 4.8 32 30.1 18 17.4

Married couple 1,156 49.9 311 26.9 825 71.3 20 1.7 286 24.7 51 4.4

Nonfamily household 806 34.8 297 36.9 494 61.2 15 1.9 279 34.6 92 11.4

Female householder 381 16.4 109 28.7 265 69.5 7 1.8 102 26.7 31 8.0

Male householder 425 18.4 188 44.2 229 53.9 8 1.9 177 41.6 61 14.4

Other 2 0.1 NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 118 5.1 75 63.9 39 33.4 3 2.7 65 55.1 34 28.9

Hispanic non-Black 106 4.6 69 64.9 37 35.1 - - 67 63.0 5 5.1

White non-Black non-Hispanic 2,010 86.8 592 29.4 1,379 68.6 39 2.0 535 26.6 168 8.3

Other non-Black non-Hispanic 82 3.6 34 41.3 40 48.7 8 10.0 28 34.2 10 12.6

Age

15 to 34 years 445 19.2 197 44.3 238 53.4 10 2.3 170 38.3 87 19.5

35 to 44 years 455 19.7 152 33.4 295 64.7 9 1.9 132 29.0 48 10.5

45 to 54 years 452 19.5 132 29.1 308 68.0 13 2.9 123 27.1 30 6.5

55 to 64 years 423 18.3 142 33.5 275 64.9 7 1.7 135 31.9 32 7.6

65 years or more 540 23.3 147 27.2 381 70.6 12 2.2 135 25.0 21 3.9

Education

No high school degree 190 8.2 90 47.3 95 50.3 5 2.4 77 40.4 30 16.0

High school degree 728 31.4 266 36.5 438 60.2 24 3.3 233 32.1 81 11.2

Some college 684 29.5 222 32.4 453 66.2 10 1.4 201 29.3 84 12.3

College degree 714 30.8 192 26.9 509 71.3 13 1.8 184 25.7 22 3.0

Household Income

Less than $15,000 310 13.4 168 54.3 142 45.7 - - 147 47.5 71 22.9

Between $15,000 and $30,000 439 18.9 175 39.8 246 56.2 18 4.0 156 35.6 49 11.1

Between $30,000 and $50,000 502 21.7 159 31.6 326 64.9 17 3.5 143 28.4 48 9.6

Between $50,000 and $75,000 529 22.8 140 26.5 376 71.0 13 2.5 127 24.0 31 5.9

At Least $75,000 536 23.1 128 23.8 406 75.7 3 0.5 121 22.6 18 3.4

Homeownership

Homeowner 1,559 67.3 390 25.0 1,130 72.5 38 2.5 361 23.2 65 4.1

Non-homeowner 757 32.7 379 50.1 365 48.3 13 1.7 333 44.0 153 20.2

Notes:

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund 

anticipation loans.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-200 Timing of AFS Use by Household Characteristic: Wisconsin

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 Daysb In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Used AFS in the Last 

Year

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 2,316 100.0 187 8.1 216 9.3 367 15.9 1,496 64.6 51 2.2 402 17.4

Banking Status

Unbanked 105 4.5 50 47.8 23 21.5 14 13.2 16 15.1 3 2.4 73 69.3

Underbanked 329 14.2 136 41.4 193 58.6 0 0.0 0 0.0 0 0.0 329 100.0

Fully Banked 1,823 78.7 0 0.0 0 0.0 343 18.8 1,480 81.2 0 0.0 0 0.0

Banked but Underbanked Status Unknown 58 2.5 0 0.0 0 0.0 NA NA 0 0.0 NA NA 0 0.0

Household Type

Family household 1,507 65.1 109 7.2 141 9.3 221 14.6 1,002 66.5 36 2.4 249 16.5

Female householder, no husband present 246 10.6 36 14.8 48 19.4 31 12.4 120 49.0 11 4.3 84 34.2

Male householder, no wife present 106 4.6 11 10.7 14 13.1 19 17.7 57 53.6 5 4.8 25 23.8

Married couple 1,156 49.9 61 5.3 79 6.8 171 14.8 825 71.3 20 1.7 140 12.1

Nonfamily household 806 34.8 78 9.7 75 9.3 144 17.9 494 61.2 15 1.9 153 19.0

Female householder 381 16.4 23 6.0 22 5.9 64 16.8 265 69.5 7 1.8 45 11.9

Male householder 425 18.4 55 12.9 53 12.5 80 18.8 229 53.9 8 1.9 108 25.4

Other 2 0.1 NA NA NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 118 5.1 21 17.8 34 28.8 20 17.3 39 33.4 3 2.7 55 46.6

Hispanic non-Black 106 4.6 37 35.3 15 13.9 17 15.7 37 35.1 - - 52 49.2

White non-Black non-Hispanic 2,010 86.8 114 5.6 161 8.0 317 15.8 1,379 68.6 39 2.0 275 13.7

Other non-Black non-Hispanic 82 3.6 15 17.8 6 7.2 13 16.4 40 48.7 8 10.0 21 25.0

Age

15 to 34 years 445 19.2 77 17.3 53 11.8 68 15.2 238 53.4 10 2.3 130 29.1

35 to 44 years 455 19.7 33 7.2 51 11.3 68 14.9 295 64.7 9 1.9 84 18.5

45 to 54 years 452 19.5 28 6.3 47 10.3 57 12.6 308 68.0 13 2.9 75 16.5

55 to 64 years 423 18.3 25 5.8 32 7.6 85 20.0 275 64.9 7 1.7 57 13.4

65 years or more 540 23.3 23 4.3 33 6.2 90 16.7 381 70.6 12 2.2 57 10.5

Education

No high school degree 190 8.2 40 21.0 26 13.4 24 12.8 95 50.3 5 2.4 65 34.4

High school degree 728 31.4 78 10.7 87 12.0 101 13.9 438 60.2 24 3.3 165 22.7

Some college 684 29.5 46 6.7 47 6.9 129 18.8 453 66.2 10 1.4 93 13.6

College degree 714 30.8 23 3.3 56 7.8 113 15.9 509 71.3 13 1.8 79 11.1

Household Income

Less than $15,000 310 13.4 69 22.3 41 13.4 58 18.7 142 45.7 - - 111 35.7

Between $15,000 and $30,000 439 18.9 46 10.4 56 12.7 73 16.7 246 56.2 18 4.0 101 23.1

Between $30,000 and $50,000 502 21.7 39 7.8 37 7.4 82 16.4 326 64.9 17 3.5 76 15.2

Between $50,000 and $75,000 529 22.8 12 2.2 46 8.7 82 15.6 376 71.0 13 2.5 58 11.0

At Least $75,000 536 23.1 21 3.8 35 6.6 72 13.4 406 75.7 3 0.5 56 10.4

Homeownership

Homeowner 1,559 67.3 52 3.3 117 7.5 221 14.2 1,130 72.5 38 2.5 169 10.8

Non-homeowner 757 32.7 135 17.8 99 13.0 146 19.3 365 48.3 13 1.7 233 30.8

Notes:

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use rent-to-own agreements or refund anticipation loans in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-201 Use of AFS by Banking Status: Wyoming

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 236 100.0 14 100.0 50 100.0 167 100.0 NA NA

Any AFS

Has Ever Used 107 45.2 12 85.0 50 100.0 45 27.0 NA NA

Has Never Used 123 52.1 1 10.2 0 0.0 122 73.0 NA NA

Unknown 6 2.7 1 4.8 0 0.0 0 0.0 NA NA

Non-Bank Money Order

Has Ever Used 83 35.2 11 82.0 39 79.3 32 19.3 NA NA

Has Never Used 148 62.5 2 13.2 10 20.7 134 80.7 NA NA

Unknown 5 2.3 1 4.8 - - 0 0.0 NA NA

Non-Bank Check Cashing

Has Ever Used 44 18.5 9 68.4 20 40.5 14 8.6 NA NA

Has Never Used 188 79.5 4 26.8 30 59.5 152 91.4 NA NA

Unknown 5 2.0 1 4.8 - - 0 0.0 NA NA

Non-Bank Remittances

Has Ever Used 7 3.1 1 10.8 4 7.7 2 1.2 NA NA

Has Never Used 223 94.4 12 84.4 46 92.3 164 98.8 NA NA

Unknown 6 2.5 1 4.8 - - 0 0.0 NA NA

Payday Lending

Has Ever Used 19 8.0 3 23.0 11 21.7 5 3.0 NA NA

Has Never Used 211 89.3 10 72.2 39 77.5 162 97.0 NA NA

Unknown 6 2.7 1 4.8 - - 0 0.0 NA NA

Pawn Shops

Has Ever Used 28 11.7 6 40.6 13 25.6 9 5.6 NA NA

Has Never Used 202 85.6 7 54.6 37 73.6 157 94.4 NA NA

Unknown 6 2.7 1 4.8 - - 0 0.0 NA NA

Rent-to-Own

Has Ever Used 19 8.2 4 32.1 10 20.9 5 2.7 NA NA

Has Never Used 210 89.0 9 63.1 39 77.7 162 97.3 NA NA

Unknown 7 2.9 1 4.8 1 1.4 0 0.0 NA NA

Refund Anticipation Loans

Has Ever Used 12 5.0 3 19.7 6 12.6 3 1.7 NA NA

Has Never Used 217 92.1 10 75.5 43 86.0 164 98.3 NA NA

Unknown 7 2.9 1 4.8 1 1.4 0 0.0 NA NA

Notes:

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-202 Timing of AFS Use by Banking Status: Wyoming

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

All Households 236 100.0 14 100.0 50 100.0 167 100.0 NA NA

Any AFS

In Last 30 Days 32 13.6 8 57.7 24 48.6 0 0.0 NA NA

In Last 2-12 Months 28 12.1 3 21.2 26 51.4 0 0.0 NA NA

Not in the Last 12 Months 46 19.5 1 6.1 0 0.0 45 27.0 NA NA

Never Used 123 52.1 1 10.2 0 0.0 122 73.0 NA NA

Unknown 6 2.7 1 4.8 0 0.0 0 0.0 NA NA

Non-Bank Money Order

In Last 30 Days 21 9.0 7 47.5 15 29.7 0 0.0 NA NA

In Last 2-12 Months 23 9.8 3 18.7 21 41.3 0 0.0 NA NA

Not in the Last 12 Months 39 16.4 2 15.8 4 8.4 32 19.3 NA NA

Never Used 148 62.5 2 13.2 10 20.7 134 80.7 NA NA

Unknown 5 2.3 1 4.8 - - - - NA NA

Non-Bank Check Cashing

In Last 30 Days 11 4.5 5 37.3 6 11.3 0 0.0 NA NA

In Last 2-12 Months 10 4.4 3 18.5 8 16.0 0 0.0 NA NA

Not in the Last 12 Months 23 9.6 2 12.6 7 13.2 14 8.6 NA NA

Never Used 188 79.5 4 26.8 30 59.5 152 91.4 NA NA

Unknown 5 2.0 1 4.8 - - - - NA NA

Non-Bank Remittances

In Last 30 Days 2 0.8 - - 1 3.0 0 0.0 NA NA

In Last 2-12 Months 1 0.5 1 4.1 1 1.4 0 0.0 NA NA

Not in the Last 12 Months 4 1.7 - - 2 3.3 2 1.2 NA NA

Never Used 223 94.4 12 84.4 46 92.3 164 98.8 NA NA

Unknown 6 2.5 1 4.8 - - - - NA NA

Payday Lending

In Last 30 Days 4 1.6 - - 4 7.5 0 0.0 NA NA

In Last 2-12 Months 3 1.2 - - 3 5.5 0 0.0 NA NA

Not in the Last 12 Months 12 5.2 3 23.0 4 8.6 5 3.0 NA NA

Never Used 211 89.3 10 72.2 39 77.5 162 97.0 NA NA

Unknown 6 2.7 1 4.8 - - - - NA NA
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-202 Timing of AFS Use by Banking Status: Wyoming

AFS Product

All Households Unbanked

Has a Bank Account

Underbanked Fully Banked

Banked but Underbanked 

Status Unknown

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Col

Pawn Shops

In Last 30 Days 2 0.9 1 6.9 1 2.5 0 0.0 NA NA

In Last 2-12 Months 6 2.5 2 16.5 4 7.5 0 0.0 NA NA

Not in the Last 12 Months 19 8.2 2 17.2 8 15.6 9 5.6 NA NA

Never Used 202 85.6 7 54.6 37 73.6 157 94.4 NA NA

Unknown 6 2.7 1 4.8 - - - - NA NA

Rent-to-Owna

Used in last 12 months 6 2.7 3 22.2 3 6.8 0 0.0 NA NA

Used but not in last 12 months 13 5.4 1 9.9 7 14.0 5 2.7 NA NA

Never Used 210 89.0 9 63.1 39 77.7 162 97.3 NA NA

Unknown 7 2.9 1 4.8 1 1.4 - - NA NA

Refund Anticipation Loansa

Used in last 12 months 2 0.9 - - 2 3.6 0 0.0 NA NA

Used but not in last 12 months 10 4.1 2 16.9 4 9.0 3 1.7 NA NA

Never Used 217 92.1 10 75.5 43 86.0 164 98.3 NA NA

Unknown 7 2.9 1 4.8 1 1.4 - - NA NA

Notes:

Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are 

categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as 

having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS. a Households were not asked whether they used these AFS products in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that 

the true value is only slightly greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.

Table C-203 Use of AFS by Household Characteristic: Wyoming

Household Characteristic

All Households

Use of AFS Memo Items

Has Ever Used Has Never Used Unknown

Ever Used a 

Transaction AFS Ever Used a Credit AFS

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 236 100.0 107 45.2 123 52.1 6 2.7 98 41.3 48 20.2

Banking Status

Unbanked 14 5.8 12 85.0 1 10.2 1 4.8 12 85.0 8 57.8

Underbanked 50 21.1 50 100.0 0 0.0 0 0.0 46 91.6 25 50.8

Fully Banked 167 70.6 45 27.0 122 73.0 0 0.0 40 24.1 14 8.7

Banked but Underbanked Status Unknown 6 2.6 NA NA NA NA NA NA NA NA NA NA

Household Type

Family household 148 62.6 74 49.8 72 48.7 2 1.5 67 45.5 34 22.7

Female householder, no husband present 24 10.4 17 69.6 7 28.8 - - 15 63.3 11 45.6

Male householder, no wife present 12 5.0 NA NA NA NA NA NA NA NA NA NA

Married couple 112 47.3 51 45.4 59 53.3 1 1.3 46 41.5 19 17.3

Nonfamily household 88 37.2 33 37.1 51 58.2 4 4.7 30 34.0 14 16.0

Female householder 40 16.8 13 33.6 26 64.9 1 1.5 12 30.9 5 13.4

Male householder 48 20.4 19 40.0 25 52.6 4 7.4 18 36.5 9 18.2

Other 0 0.2 NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 4 1.6 NA NA NA NA NA NA NA NA NA NA

Hispanic non-Black 13 5.4 8 60.5 5 39.5 - - 7 57.3 5 38.1

White non-Black non-Hispanic 212 89.9 93 43.8 113 53.4 6 2.8 85 40.1 38 18.0

Other non-Black non-Hispanic 7 3.0 NA NA NA NA NA NA NA NA NA NA

Age

15 to 34 years 65 27.6 33 50.5 32 48.9 - - 31 47.5 16 24.0

35 to 44 years 38 16.3 22 58.3 14 37.7 2 4.0 20 52.6 12 30.4

45 to 54 years 39 16.5 19 49.8 18 46.2 2 4.0 17 44.4 8 20.7

55 to 64 years 42 17.8 16 38.4 25 59.1 1 2.5 14 34.5 8 18.1

65 years or more 52 21.8 16 30.7 34 65.6 2 3.7 15 28.5 5 9.1

Education

No high school degree 22 9.4 13 60.1 8 38.4 - - 13 56.7 6 28.8

High school degree 69 29.4 30 42.6 37 53.4 3 4.0 27 39.3 15 21.4

Some college 90 38.2 44 48.7 44 48.9 2 2.4 40 44.0 20 22.4

College degree 54 23.0 20 36.6 33 61.3 1 2.1 18 33.3 6 11.4

Household Income

Less than $15,000 35 15.0 18 51.3 16 45.0 1 3.8 17 46.5 10 29.3

Between $15,000 and $30,000 38 16.0 18 48.0 19 49.2 1 2.8 16 41.2 11 29.6

Between $30,000 and $50,000 47 20.0 23 49.6 23 48.1 1 2.3 22 46.2 9 18.7

Between $50,000 and $75,000 54 22.8 21 38.1 32 58.7 2 3.3 20 36.3 9 16.8

At Least $75,000 62 26.2 26 42.7 34 55.4 1 1.9 24 39.2 8 13.3

Homeownership

Homeowner 166 70.4 68 41.2 93 56.2 4 2.7 64 38.6 24 14.7

Non-homeowner 70 29.6 38 54.7 30 42.5 2 2.8 33 47.8 23 33.3

Notes:

AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund anticipation loans.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.
FDIC National Survey of Unbanked and Underbanked Households - Use of Alternative F

Table C-204 Timing of AFS Use by Household Characteristic: Wyoming

Household Characteristic

All Households

Timing of AFS Usea Memo Item

In Last 30 Daysb In Last 2-12 Months

Not in the Last 12 

Months Never Used Unknown

Used AFS in the Last 

Year

Number

(1,000s)

Pct of 

Col

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

Number

(1,000s)

Pct of 

Row

All Households 236 100.0 32 13.6 28 12.1 46 19.5 123 52.1 6 2.7 60 25.6

Banking Status

Unbanked 14 5.8 8 57.7 3 21.2 1 6.1 1 10.2 1 4.8 11 78.9

Underbanked 50 21.1 24 48.6 26 51.4 0 0.0 0 0.0 0 0.0 50 100.0

Fully Banked 167 70.6 0 0.0 0 0.0 45 27.0 122 73.0 0 0.0 0 0.0

Banked but Underbanked Status Unknown 6 2.6 0 0.0 0 0.0 NA NA 0 0.0 NA NA 0 0.0

Household Type

Family household 148 62.6 23 15.9 20 13.3 30 20.6 72 48.7 2 1.5 43 29.2

Female householder, no husband present 24 10.4 7 30.6 5 20.7 4 18.3 7 28.8 - - 13 51.3

Male householder, no wife present 12 5.0 NA NA NA NA NA NA NA NA NA NA NA NA

Married couple 112 47.3 14 13.0 12 10.5 24 21.9 59 53.3 1 1.3 26 23.5

Nonfamily household 88 37.2 9 9.7 9 10.0 15 17.4 51 58.2 4 4.7 17 19.7

Female householder 40 16.8 3 7.3 3 8.5 7 17.8 26 64.9 1 1.5 6 15.8

Male householder 48 20.4 6 11.8 5 11.2 8 17.1 25 52.6 4 7.4 11 22.9

Other 0 0.2 NA NA NA NA NA NA NA NA NA NA NA NA

Race/Ethnicity

Black 4 1.6 NA NA NA NA NA NA NA NA NA NA NA NA

Hispanic non-Black 13 5.4 6 44.3 1 9.2 1 7.0 5 39.5 - - 7 53.5

White non-Black non-Hispanic 212 89.9 23 10.7 26 12.1 44 20.9 113 53.4 6 2.8 49 22.9

Other non-Black non-Hispanic 7 3.0 NA NA NA NA NA NA NA NA NA NA NA NA

Age

15 to 34 years 65 27.6 13 20.3 9 13.9 11 16.3 32 48.9 - - 22 34.2

35 to 44 years 38 16.3 8 19.6 6 15.0 9 23.7 14 37.7 2 4.0 13 34.6

45 to 54 years 39 16.5 3 8.4 6 16.3 10 25.1 18 46.2 2 4.0 10 24.7

55 to 64 years 42 17.8 4 8.5 3 7.3 9 22.5 25 59.1 1 2.5 7 15.8

65 years or more 52 21.8 4 8.7 4 8.2 7 13.9 34 65.6 2 3.7 9 16.9

Education

No high school degree 22 9.4 8 35.6 3 14.4 2 10.1 8 38.4 - - 11 50.0

High school degree 69 29.4 9 13.0 8 11.7 12 17.9 37 53.4 3 4.0 17 24.7

Some college 90 38.2 12 13.3 13 14.2 19 21.2 44 48.9 2 2.4 25 27.5

College degree 54 23.0 3 5.9 4 8.0 12 22.8 33 61.3 1 2.1 8 13.9

Household Income

Less than $15,000 35 15.0 9 24.8 3 9.7 6 16.7 16 45.0 1 3.8 12 34.5

Between $15,000 and $30,000 38 16.0 6 15.9 6 15.5 6 16.6 19 49.2 1 2.8 12 31.4

Between $30,000 and $50,000 47 20.0 9 18.4 6 13.7 8 17.5 23 48.1 1 2.3 15 32.1

Between $50,000 and $75,000 54 22.8 4 7.4 6 11.7 10 18.9 32 58.7 2 3.3 10 19.1

At Least $75,000 62 26.2 5 7.4 6 10.4 15 25.0 34 55.4 1 1.9 11 17.8

Homeownership

Homeowner 166 70.4 13 8.1 17 10.3 38 22.8 93 56.2 4 2.7 30 18.3

Non-homeowner 70 29.6 19 26.7 11 16.3 8 11.7 30 42.5 2 2.8 30 43.0

Notes:

a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as 

having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 

months. The unknown category includes only households that did not know whether they had ever used AFS.

b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use 

rent-to-own agreements or refund anticipation loans in the last 30 days.

Figures do not always reconcile to totals because of rounding.

- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly 

greater than zero.

NA = Not available because the sample size was too small to make an accurate estimate.