Appendix A - Detailed National Tables 

FDIC National Survey of Unbanked and Underbanked Households ■ DECEMBER 2009 47
 

Table A-1 Unbanked Households and Their Demographic Characteristics 

All Households Unbanked Households 

Unbanked Status 

Previously 

Banked Never Banked 

Previous Banking 

Status Unknown 

Household Characteristic 

Pct of 

Number Row 

(1000s) Total 

Pct of Pct of 

Number Row Col 

(1000s) Total Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

All Households 118,574 100.0 9,085 7.7 100.0 4,454 49.0 4,263 46.9 368 4.1 

Race and Ethnicity of 

Householder 

Black 15,485 100.0 3,356 21.7 36.9 1,714 51.1 1,482 44.2 159 4.8 

Hispanic non-Black 13,184 100.0 2,549 19.3 28.1 749 29.4 1,681 65.9 120 4.7 

American Indian/Alaskan 1,359 100.0 212 15.6 2.4 105 49.6 95 44.8 12 5.6 

Hawaiian/Pacific Islander 250 100.0 23 9.2 0.4 NA NA NA NA NA NA 

Asian 4,766 100.0 166 3.5 1.8 51 30.5 110 66.3 5 3.2 

White non-Black non-Hispanic 83,524 100.0 2,774 3.3 30.5 1,819 65.6 884 31.9 71 2.6 

Other 

Spanish Language Usage 

6 100.0 NA NA NA NA NA NA NA NA NA 

Not Spanish is only language spoken 116,093 100.0 8,201 7.1 90.3 4,320 52.7 3,537 43.1 344 4.2 

Spanish is only language spoken 

Nativity of Householder 

2,481 100.0 884 35.6 9.7 134 15.1 726 82.1 24 2.7 

Native citizen 102,667 100.0 6,889 6.7 75.8 3,937 57.1 2,705 39.3 247 3.6 

Foreign-born naturalized citizen 7,837 100.0 432 5.5 4.8 163 37.6 238 55.0 32 7.4 

Foreign-born non-citizen 

Household Type 

8,070 100.0 1,764 21.9 19.4 354 20.1 1,320 74.8 89 5.1 

Family Household 78,938 100.0 5,695 7.2 62.7 2,691 47.2 2,698 47.4 306 5.4 

Married Couple 59,469 100.0 2,132 3.6 23.5 972 45.6 1,028 48.2 131 6.2 

Female householder, no husband present 13,981 100.0 2,747 19.7 30.2 1,360 49.5 1,260 45.8 128 4.6 

Male householder, no wife present 5,489 100.0 816 14.9 9.0 358 43.9 411 50.3 47 5.8 

Nonfamily household 39,506 100.0 3,362 8.5 37.0 1,746 51.9 1,554 46.2 62 1.9 

Female householder 20,809 100.0 1,369 6.6 15.1 788 57.5 554 40.5 27 2.0 

Male householder 18,698 100.0 1,993 10.7 21.9 958 48.1 1,000 50.2 35 1.7 

Other 129 100.0 28 21.9 0.3 NA NA NA NA NA NA 

Household Income (Primary 

Family or Individual) 

Less than $15,000 15,504 100.0 4,208 27.1 46.3 2,136 50.8 1,980 47.1 92 2.2 

Between $15,000 and $30,000 17,350 100.0 2,259 13.0 24.9 1,134 50.2 1,032 45.7 93 4.1 

Between $30,000 and $50,000 21,388 100.0 891 4.2 9.8 466 52.4 389 43.7 35 3.9 

Between $50,000 and $75,000 18,849 100.0 279 1.5 3.1 184 65.6 89 32.0 6 2.0 

At least $75,000 27,699 100.0 83 0.3 0.9 30 35.6 41 48.6 13 15.8 

Unknown 

Education of Householder 

17,784 100.0 1,366 7.7 15.0 504 36.9 732 53.6 130 9.5 

No High School Degree 14,984 100.0 3,672 24.5 40.4 1,341 36.5 2,198 59.9 132 3.6 

High School Degree 34,661 100.0 3,344 9.6 36.8 1,786 53.4 1,407 42.1 151 4.5 

Some College 33,186 100.0 1,633 4.9 18.0 1,116 68.3 453 27.7 64 3.9 

College Degree (Four Year) 

Age of Householder 

35,743 100.0 437 1.2 4.8 211 48.3 205 46.9 21 4.8 

15 to 24 years 6,598 100.0 1,066 16.2 11.7 494 46.4 509 47.7 62 5.9 

25 to 34 years 19,611 100.0 2,301 11.7 25.3 1,137 49.4 1,089 47.3 74 3.2 

35 to 44 years 22,547 100.0 1,998 8.9 22.0 1,002 50.2 924 46.2 72 3.6 

45 to 54 years 24,691 100.0 1,857 7.5 20.4 926 49.8 850 45.8 82 4.4 

55 to 64 years 20,236 100.0 981 4.8 10.8 503 51.3 444 45.3 34 3.4 

65 years or more 24,891 100.0 882 3.5 9.7 391 44.4 447 50.7 44 5.0 

Labor Force Status of 

Householder 

Employed 72,554 100.0 3,969 5.5 43.7 2,022 51.0 1,809 45.6 137 3.5 

Unemployed 6,592 100.0 1,275 19.3 14.0 673 52.8 543 42.6 58 4.6 

Not in Labor Force 38,957 100.0 3,838 9.9 42.2 1,754 45.7 1,911 49.8 173 4.5 

Unknown 

Homeownership Status 

472 100.0 4 0.8 * NA NA NA NA NA NA 

Homeowner 80,258 100.0 2,130 2.7 23.4 1,105 51.9 894 42.0 131 6.1 

Non-homeowner 

Geographic Region 

38,316 100.0 6,955 18.2 76.6 3,348 48.1 3,369 48.4 237 3.4 

Northeast 21,611 100.0 1,490 6.9 16.4 706 47.4 734 49.3 50 3.3 

Midwest 26,508 100.0 1,634 6.2 18.0 951 58.2 618 37.8 65 4.0 

South 43,974 100.0 4,164 9.5 45.8 1,959 47.0 2,033 48.8 172 4.1 

West 26,482 100.0 1,797 6.8 19.8 837 46.6 878 48.9 82 4.5 

FDIC National Survey of Unbanked and Underbanked Households ■ DECEMBER 2009 48
 

Metropolitan Status 

Metropolitan All 

Inside Principal City 

Not Inside Principal City 

Not Identified 

Not in Metropolitan Area 

Not Identified 

98,787 

33,254 

48,390 

17,143 

18,951 

836 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

7,393 

3,765 

2,550 

1,078 

1,629 

63 

7.5 

11.3 

5.3 

6.3 

8.6 

7.5 

81.4 

41.4 

28.1 

11.9 

17.9 

0.7 

3,570 

1,790 

1,265 

515 

863 

21 

48.3 

47.5 

49.6 

47.7 

53.0 

33.3 

3,518 

1,846 

1,158 

514 

712 

32 

47.6 

49.0 

45.4 

47.7 

43.7 

51.5 

305 

128 

127 

49 

54 

10 

4.1 

3.4 

5.0 

4.6 

3.3 

15.3 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA = not applicable 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 rounded to 0.0 percent. It is estimated the population value is only 

slightly greater than zero for this cell. 

Table A-2 Timeframe in Which Previously Banked Households Became Unbanked 

Previously Banked Households 

Last Time Household Had a Bank Account Number (1000s) Pct of Total 

Within the last year 

More than a year ago 

Unknown 

Total 

1,244 

3,172 

37 

4,454 

27.9 

71.2 

0.8 

100.0 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. Households not involved in 

household finances are excluded from these tabulations. 

FDIC National Survey of Unbanked and Underbanked Households ■ DECEMBER 2009 49
 

Table A-3 Reasons Never Banked Households Are Unbanked 

Never Banked Households 

Reasons Household is Unbanked Number (1000s) Pct of Total 

Customer Service Reasons 

Banks have inconvenient hours 158 3.7 

There is no bank near work or home 153 3.6 

There are language barriers at banks 293 6.9 

Banks do not feel comfortable or welcoming 389 9.1 

Banks do not offer needed services 149 3.5 

Other/None of the above 3,041 71.3 

Don’t know/Refused 201 4.7 

Totala 4,263 100.0 

Financial Reasons 

Minimum balance requirement is too high 540 12.7 

Service charges are too high 267 6.3 

Bounced too many checks/had too many overdrafts 71 1.7 

Banks take too long to clear checks 48 1.1 

Do not have enough money to need account 1,581 37.1 

Credit problems 139 3.3 

Other/None of the above 1,606 37.7 

Don’t know/Refused 257 6.0 

a 

Total 4,263 100.0 

Other Reasons 

Do not write enough checks 765 18.0 

Could not manage or balance account 162 3.8 

Do not trust banks 268 6.3 

Do not have documents to open account 235 5.5 

Do not know how to open account 103 2.4 

Do not see value of having account 530 12.4 

Other/None of the above 2,105 49.4 

Don’t know/Refused 315 7.4 

Totala 4,263 100.0 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. Households 

not involved in household finance are excluded from this tabulation. 

a Total percentage sums to more than 100 because respondents were permitted to choose multiple responses. 

FDIC National Survey of Unbanked and Underbanked Households ■ DECEMBER 2009 50
 

Table A-4 Reasons Previously Banked Households Are Unbanked 

Previously Banked Households 

Reasons Household is Unbanked 

Number 

(1000s) Pct of Total 

Customer Service Reasons 

Banks have inconvenient hours 127 4.0 

There is no bank near work or home 164 5.2 

There are language barriers at banks 13 0.4 

Banks do not feel comfortable or welcoming 142 4.5 

Banks do not offer needed services 111 3.5 

Other/None of the above 2,554 81.2 

Don’t know/Refused 64 2.0 

Totala 3,145 100.0 

Financial Reasons 

Minimum balance requirement is too high 344 10.9 

Service charges are too high 385 12.2 

Bounced too many checks/had too many overdrafts 260 8.3 

Banks take too long to clear checks 64 2.0 

Do not have enough money to need account 1,072 34.1 

Other/None of the above 1,174 37.3 

Don’t know/Refused 115 3.6 

Totala 3,145 100.0 

Other Reasons 

Do not write enough checks 376 12.0 

Could not manage or balance account 216 6.9 

Do not trust banks 223 7.1 

Did not need or want account 812 25.8 

Other/None of the above 1,510 48.0 

Don’t know/Refused 117 3.7 

Totala 3,145 100.0 

Notes: Previously banked households that did not close their account themselves and/or were in the process of opening an account were not 

asked why they closed their account and are excluded from the analysis. 

Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. 

a Total percentage sums to more than 100 because respondents were permitted to choose multiple responses. 

Table A-5 Likelihood of Unbanked Households Opening an Account 

Unbanked Households 

Unbanked Status 

Previously Banked Never Banked 

Previous Banking Status 

Unknown 

Likelihood of Open- Number Pct of Total Number Pct of Total Number Pct of Total Number Pct of Total 

ing an Account (1000s) (1000s) (1000s) (1000s) 

Very likely 849 9.9 635 16.1 203 4.8 11 3.1 

Somewhat likely 1,702 19.8 1,024 26.0 656 15.4 22 5.8 

Not too likely 1,745 20.3 822 20.8 915 21.5 8 2.2 

Not likely at all 3,521 41.1 1,311 33.2 2,203 51.7 7 1.9 

Unknown 759 8.9 153 3.9 286 6.7 320 87.0 

Total 8,575 100.0 3,944 100.0 4,263 100.0 368 100.0 

Notes: Previously banked households that were in the process of opening a bank account were not asked about the likelihood of opening an account and are excluded from this tabulation. Figures 

do not always reconcile to totals because of the rounding of household weights to represent the population totals. 

FDIC National Survey of Unbanked and Underbanked Households ■ DECEMBER 2009 51
 

Table A-6 Timeframe in Which Unbanked Households Plan to Open an Account 

Unbanked Households 

Unbanked Status 

Previously Banked Never Banked 

Previous Banking Status 

Unknown 

Timeframe for Number Pct of Number Pct of Number Pct of Number Pct of 

Opening an Account (1000s) Total (1000s) Total (1000s) Total (1000s) Total 

Within the next year 672 79.2 535 84.3 126 62.1 11 100.0 

A year or more from now 145 17.1 79 12.5 66 32.4 * * 

Unknown 31 3.8 21 3.2 11 5.5 * * 

Totala 849 100.0 635 100.0 203 100 11 100.0 

Notes: Only unbanked households that reported being very likely to open an account in the future were asked about the timeframe for opening an account. 

a Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. 

* For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded to 0.0 percent. It is estimated that the population value is 

only slightly greater than zero for this cell. 

Table A-7 Reasons Unbanked Households Are Likely to Open a Bank Account 

Unbanked 

Households 

Unbanked Status 

Previously Banked Never Banked 

Previous Banking 

Status Unknown 

Reasons for Opening an Account 

Number 

(1000s) 

Pct of 

Total 

Number 

(1000s) 

Pct of 

Total 

Number 

(1000s) 

Pct of 

Total 

Number 

(1000s) 

Pct of 

Total 

To write checks and pay bills 

To secure your money 

To save money for the future 

Other 

To take advantage of direct deposit of paychecks 

To be able to apply for a loan or mortgage 

To send money to family and friends 

Unknown 

Totala 

327 38.5 

185 21.8 

172 20.3 

66 7.7 

63 7.4 

22 2.6 

1 0.1 

14 1.6 

849 100.0 

269 42.4 

107 16.8 

127 20.1 

53 8.4 

51 8.1 

21 3.2 

1 0.1 

6 0.9 

635 100.0 

51 25.1 

78 38.4 

40 19.9 

12 6.1 

12 5.9 

2 0.8 

* * 

8 3.7 

203 100.0 

NA NA 

NA NA 

NA NA 

NA NA 

NA NA 

NA NA 

NA NA 

NA NA 

11 100.0 

Notes: Only unbanked households that reported being very likely to open an account in the future were asked about the reasons for opening an account. 

a Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. 

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

greater than zero for this cell. 

FDIC National Survey of Unbanked and Underbanked Households ■ DECEMBER 2009 52
 

Table A-8 Unbanked Households’ Use of AFS Transaction and Credit Products 

Unbanked Households 

Unbanked Status 

Previously Banked Never Banked 

Previous Banking 

Status Unknown 

Types of AFS Products Useda 

Number 

(1000s) Pct of Total 

Number 

(1000s) Pct of Total 

Number 

(1000s) Pct of Total 

Number 

(1000s) Pct of Total 

Never Used AFS 

Used Transaction Products Only 

Used Both Transaction and Credit 

Products 

Used Credit Products Only 

Unknownb 

Total 

2,254 24.8 

3,392 37.3 

2,072 22.8 

347 3.8 

1,020 11.2 

9,085 100.0 

809 18.2 

1,665 37.4 

1,508 33.9 

244 5.5 

227 5.1 

4,454 100.0 

1,424 33.4 

1,697 39.8 

563 13.2 

103 2.4 

476 11.2 

4,263 100.0 

21 5.6 

30 8.2 

1 0.4 

* * 

316 85.9 

368 100.0 

Note: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. 

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

anticipation loans. 

b ”Unknown” includes: households where transaction products are used, but credit-product use is unknown; households where credit products are used, but transaction-product 

use is unknown; and households where there is no indication of any AFS use but some responses are missing. 

* For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded to 0.0 percent. It is estimated that the 

population value is only slightly greater than zero for this cell. 

FDIC National Survey of Unbanked and Underbanked Households ■ DECEMBER 2009 53
 

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

Unbanked 

Households 

Types of AFS Useda 

Never Used AFS 

Used Transaction 

Products Only 

Used Both Transaction and Credit 

Products 

Used Credit 

Products Only Unknownb 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

All Unbanked 9085 100.0 

Households 

Race and Ethnicity of 

Householder 

2,254 24.8 3,392 37.3 2,072 22.8 347 3.8 1,020 11.2 

Black 3356 100.0 802 23.9 1,220 36.4 772 23.0 135 4.0 426 12.7 

Hispanic 2549 100.0 

non-Black 

637 25.0 1,143 44.8 353 13.8 89 3.5 328 12.9 

White non-Black 2774 100.0 

non-Hispanic 

663 23.9 915 33.0 866 31.2 107 3.8 223 8.0 

Other 406 100.0 

Spanish Language Usage 

153 37.5 114 28.2 81 19.9 16 4.0 43 10.6 

Not Spanish is 8201 100.0 

only language 

spoken 

1,977 24.1 2,979 36.3 2,000 24.4 320 3.9 924 11.3 

Spanish is only 884 100.0 

language spoken 

Nativity of Householder 

277 31.3 413 46.7 72 8.1 27 3.1 96 10.9 

Native citizen 6889 100.0 1,545 22.4 2,485 36.1 1,878 27.3 298 4.3 683 9.9 

Foreign-born 432 100.0 

naturalized citizen 

150 34.8 141 32.7 45 10.4 13 3.1 82 19.0 

Foreign-born 1764 100.0 

non-citizen 

Household Type 

559 31.7 766 43.4 149 8.5 35 2.0 255 14.5 

Family Household 5695 100.0 1,325 23.3 2,114 37.1 1,402 24.6 215 3.8 640 11.2 

Married Couple 2132 100.0 488 22.9 831 39.0 511 24.0 53 2.5 249 11.7 

Female house- 2747 100.0 

holder, no 

husband present 

631 23.0 1,007 36.7 698 25.4 132 4.8 279 10.2 

Male house- 816 100.0 

holder, no wife 

present 

206 25.3 276 33.8 193 23.6 30 3.7 112 13.7 

Nonfamily 3390 100.0 

household 

912 26.9 1,278 37.7 666 19.6 131 3.9 374 11.0 

Female 1369 100.0 

householder 

383 28.0 528 38.6 244 17.9 38 2.8 175 12.8 

Male householder 1993 100.0 529 26.6 750 37.6 422 21.2 93 4.7 199 10.0 

Other 28 100.0 

Household Income 

(Primary Family or 

Individual) 

NA NA NA NA NA NA NA NA NA NA 

Less than 4208 100.0 

$15,000 

1,140 27.1 1,551 36.9 980 23.3 200 4.7 337 8.0 

Between $15,000 2259 100.0 

and $30,000 

492 21.8 879 38.9 588 26.0 94 4.2 205 9.1 

Between $30,000 891 100.0 

and $50,000 

176 19.8 351 39.4 275 30.9 27 3.0 62 7.0 

Between $50,000 279 100.0 

and $75,000 

67 24.0 133 47.9 47 17.0 * * 31 11.1 

At least $75,000 83 100.0 30 35.6 16 19.3 15 18.2 1 0.7 22 26.5 

Unknown 1366 100.0 350 25.6 462 33.8 166 12.2 25 1.8 363 26.6 

FDIC National Survey of Unbanked and Underbanked Households ■ DECEMBER 2009 54
 

Education of 

Householder 

No High School 3672 

Degree 

High School 3344 

Degree 

Some College 1633 

College Degree 437 

(Four Year) 

Age of Householder 

15 to 24 years 1066 

25 to 34 years 2301 

35 to 44 years 1998 

45 to 54 years 1857 

55 to 64 years 981 

65 years or more 882 

Labor Force Status of 

Householder 

Employed 3969 

Unemployed 1275 

Not in Labor 3838 

Force 

Unknown 4 

Homeownership Status 

Homeowner 2130 

Non-homeowner 6955 

Geographic 

Region 

Northeast 1490 

Midwest 1634 

South 4164 

West 1797 

Metropolitan Status 

Metropolitan Area 7393 

Inside Principal 3765 

City 

Not Inside 2550 

Principal City 

Not Identified 1078 

Not in Metropoli- 1629 

tan Area 

Not Identified 1141 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

1,056 

711 

308 

180 

255 

536 

390 

415 

300 

359 

809 

274 

1,172 

NA 

611 

1,644 

405 

359 

1,065 

425 

1,834 

976 

623 

235 

414 

NA 

28.8 

21.3 

18.9 

41.2 

23.9 

23.3 

19.5 

22.3 

30.6 

40.7 

20.4 

21.5 

30.5 

NA 

28.7 

23.6 

27.2 

22.0 

25.6 

23.7 

24.8 

25.9 

24.4 

21.8 

25.4 

NA 

1,409 

1,284 

572 

127 

381 

772 

749 

741 

434 

315 

1,575 

374 

1,443 

NA 

841 

2,551 

581 

537 

1,544 

730 

2,754 

1,480 

878 

396 

615 

NA 

38.4 

38.4 

35.1 

29.0 

35.8 

33.5 

37.5 

39.9 

44.2 

35.7 

39.7 

29.3 

37.6 

NA 

39.5 

36.7 

39.0 

32.9 

37.1 

40.6 

37.2 

39.3 

34.4 

36.7 

37.7 

NA 

674 

841 

497 

60 

231 

668 

546 

468 

122 

37 

1,034 

427 

610 

NA 

354 

1,718 

300 

458 

941 

372 

1,662 

767 

591 

304 

395 

NA 

18.4 

25.2 

30.4 

13.6 

21.7 

29.0 

27.3 

25.2 

12.5 

4.2 

26.1 

33.5 

15.9 

NA 

16.6 

24.7 

20.1 

28.0 

22.6 

20.7 

22.5 

20.4 

23.2 

28.2 

24.2 

NA 

123 

128 

86 

10 

41 

102 

94 

68 

34 

8 

144 

65 

138 

NA 

53 

294 

31 

62 

190 

64 

269 

108 

116 

44 

75 

NA 

3.4 

3.8 

5.3 

2.2 

3.8 

4.4 

4.7 

3.7 

3.5 

1.0 

3.6 

5.1 

3.6 

NA 

2.5 

4.2 

2.1 

3.8 

4.6 

3.6 

3.6 

2.9 

4.5 

4.1 

4.6 

NA 

410 

380 

169 

61 

158 

223 

220 

164 

91 

163 

406 

135 

474 

NA 

271 

749 

173 

218 

424 

205 

873 

434 

336 

98 

131 

NA 

11.2 

11.4 

10.3 

14.0 

14.8 

9.7 

11.0 

8.8 

9.3 

18.5 

10.2 

10.6 

12.4 

NA 

12.7 

10.8 

11.6 

13.3 

10.2 

11.4 

11.9 

11.5 

13.2 

9.1 

8.0 

NA 

Note: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA= Not applicable because sample size was too small to make 

an accurate estimate. 

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

loans. 

b “Unknown” includes: households where transaction products are used, but credit product use is unknown; households where credit products are used, but transactiont product use is unknown 

and households where there is no indication of any AFS use but some responses are missing. 

* For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded to 0.0 percent. It is estimated that the population value is 

only slightly greater than zero for this cell. 

FDIC National Survey of Unbanked and Underbanked Households ■ DECEMBER 2009 55
 

Table A-10 Unbanked Households’ Use of Specific AFS Products 

Unbanked Households 

Unbanked Status 

Previously Banked Never Banked 

Previous Banking 

Status Unknown 

Type of AFS Product 

Number 

(1000s) 

Pct of 

Total 

Number 

(1000s) 

Pct of 

Total 

Number 

(1000s) 

Pct of 

Total 

Number 

(1000s) 

Pct of 

Total 

Any AFS Product 

Used 5997 66.0 3495 78.5 2460 57.7 41 11.1 

Never Used 2254 24.8 809 18.2 1424 33.4 21 5.6 

Use Unknown 834 9.2 149 3.3 379 8.9 306 83.2 

Total 

Non-Bank Money Order 

9,085 100.0 4,454 100.0 4,263 100.0 368 100.0 

Used 4905 54.0 2897 65.0 1985 46.6 22 6.0 

Never Used 3418 37.6 1424 32.0 1956 45.9 38 10.4 

Use Unknown 763 8.4 133 3.0 322 7.5 308 83.6 

Total 

Non-Bank Check Cashing 

9,085 100.0 4,454 100.0 4,263 100.0 368 100.0 

Used 3468 38.2 1955 43.9 1484 34.8 29 7.9 

Never Used 4884 53.8 2371 53.2 2485 58.3 29 7.8 

Use Unknown 733 8.1 128 2.9 294 6.9 311 84.4 

Total 

Payday Lending 

9,085 100.0 4,454 100.0 4,263 100.0 368 100.0 

Used 599 6.6 506 11.4 93 2.2 1 0.4 

Never Used 7587 83.5 3758 84.4 3774 88.5 55 14.8 

Use Unknown 898 9.9 189 4.2 397 9.3 312 84.8 

Total 

Pawn Shops 

9,085 100.0 4,454 100.0 4,263 100.0 368 100.0 

Used 1297 14.3 950 21.3 347 8.1 * * 

Never Used 6893 75.9 3309 74.3 3523 82.6 61 16.5 

Use Unknown 895 9.9 194 4.4 393 9.2 308 83.7 

Total 

Rent-to-Own 

9,085 100.0 4,454 100.0 4,263 100.0 368 100.0 

Used 1084 11.9 793 17.8 290 6.8 * * 

Never Used 7114 78.3 3475 78.0 3583 84.0 56 15.2 

Use Unknown 887 9.8 185 4.2 390 9.1 312 84.8 

Total 

Refund Anticipation Loan 

9,085 100.0 4,454 100.0 4,263 100.0 368 100.0 

Used 708 7.8 530 11.9 178 4.2 * * 

Never Used 7509 82.6 3760 84.4 3688 86.5 61 16.5 

Use Unknown 868 9.5 164 3.7 397 9.3 308 83.5 

Total 9,085 100.0 4,454 100.0 4,263 100.0 368 100.0 

Note: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. 

* For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded to 0.0 percent. It is estimated that the population value is 

only slightly greater than zero for this cell. 

FDIC National Survey of Unbanked and Underbanked Households ■ DECEMBER 2009 56
 

Table A-11 Unbanked Households’ Frequency of Use of AFS Products 

Unbanked Households 

Unbanked Status 

Previously Banked Never Banked 

Previous Banking 

Status Unknown 

Frequency of AFS Use 

Number 

(1000s) 

Pct of 

Total 

Number 

(1000s) 

Pct of Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

Non-Bank Money Order 

At least a few times a year 3,946 80.4 2,330 80.4 1,598 80.5 17 77.3 

Once or twice a year 599 12.2 348 12.0 251 12.6 * * 

Almost never 337 6.9 216 7.4 121 6.1 * * 

Unknown 23 0.5 3 0.1 15 0.8 5 22.7 

Total 

Non-Bank Check Cashing 

4,904 100.0 2,897 100.0 1,985 100.0 22 100.0 

At least a few times a year 2,658 76.6 1,460 74.7 1,175 79.2 23 79.8 

Once or twice a year 400 11.5 233 11.9 166 11.2 1 4.7 

Almost never 382 11.0 252 12.9 130 8.8 * * 

Unknown 28 0.8 10 0.5 13 0.9 4 14.6 

Total 

Payday Lendinga 

3,468 100.0 1,955 100.0 1,484 100.0 29 100.0 

At least a few times a year 193 32.2 151 29.8 43 46.2 * * 

Once or twice a year 349 58.3 317 62.6 32 34.4 * * 

Almost never 13 2.2 10 2.0 3 3.2 * * 

Unknown 44 7.3 28 5.5 15 16.1 1 100.0 

Total 

Pawn Shops 

599 100.0 506 100.0 93 100.0 1 100.0 

At least a few times a year 267 20.6 186 19.5 81 23.4 * * 

Once or twice a year 428 33.0 312 32.8 116 33.4 * * 

Almost never 600 46.3 450 47.4 150 43.2 * * 

Unknown 2 0.2 2 0.3 * * * * 

Total 

Rent-to-Own 

1,297 100.0 950 100.0 347 100.0 * * 

At least a few times a year 180 16.6 133 16.8 46 16.0 * * 

Once or twice a year 422 39.0 286 36.1 136 46.8 * * 

Almost never 477 44.1 369 46.6 108 37.2 * * 

Unknown 4 0.4 4 0.6 * * * * 

Total 1,084 100.0 793 100.0 290 100.0 * * 

Notes: Totals include only unbanked households that use the specified AFS products. Figures do not always reconcile to totals because of the rounding of household weights to represent thepopulation totals. 

a The frequency of payday lending use presented in this analysis is lower than other industry estimates. This may be due in part to a high proportion of missing data on the frequency of payday 

lending use compared to other AFS products in the survey. Over 7 percent of unbanked households that use payday lending have missing frequency of use data compared to less than 1 percent of 

households that use other AFS products. In addition, the question regarding frequency of use was asked differently for payday lending than for other AFS products (see Supplement Survey Instrument in Appendix E). 

* For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded to 0.0 percent. It is estimated that the population value is 

only slightly greater than zero for this cell. 

FDIC National Survey of Unbanked and Underbanked Households ■ DECEMBER 2009 57
 

Table A-12 Underbanked Households and Their Demographic Characteristics 

All Households 

Banked 

Households 

Underbanked Status 

Underbanked Not Underbanked 

Underbanked 

Status Unknown 

Household Characteristic Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of Pct of 

Number Row Col 

(1000s) Total Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

All Households 

Race and Ethnicity of Householder 

118,574 100.0 109,489 92.3 21,276 17.9 100.0 83,399 70.3 4,813 4.1 

Black 15,485 100.0 12,130 78.3 4,990 31.6 23.0 6,640 42.9 590 3.8 

Hispanic non-Black 13,184 100.0 10,635 80.7 3,164 24.0 14.9 6,802 51.6 669 5.1 

American Indian/Alaskan 1,359 100.0 1,147 84.4 393 28.9 1.8 722 53.1 32 2.3 

Hawaiian/Pacific Islander 250 100.0 227 90.8 41 16.4 0.2 173 69.3 12 5.0 

Asian 4,766 100.0 4,601 96.5 342 7.2 1.6 3,928 82.4 331 6.9 

White non-Black non-Hispanic 83,524 100.0 80,750 96.7 12,436 14.9 58.4 65,135 78.0 3,179 3.8 

Other 

Spanish Language Usage 

6 100.0 NA NA NA NA NA NA NA NA NA 

Not Spanish is only language spoken 116,093 100.0 107,892 92.9 20,761 17.9 97.6 82,401 71.0 4,730 4.1 

Spanish is only language spoken 

Nativity of Householder 

2,481 100.0 1,597 64.4 515 20.8 2.4 998 40.2 84 3.4 

Native citizen 102,667 100.0 95,778 93.3 18,780 18.3 88.3 73,131 71.2 3,867 3.8 

Foreign-born naturalized citizen 7,837 100.0 7,405 94.5 1,046 13.3 4.9 5,820 74.3 538 6.9 

Foreign-born non-citizen 

Household Type 

8,070 100.0 6,306 78.1 1,450 18.0 6.8 4,448 55.1 408 5.1 

Family Household 78,938 100.0 73,244 92.8 14,527 18.4 68.3 55,251 70.0 3,466 4.4 

Married Couple 59,469 100.0 57,337 96.4 9,138 15.4 42.9 45,669 76.8 2,530 4.3 

Female householder, no husband 

present 

13,981 100.0 11,234 80.3 3,919 28.0 18.4 6,705 48.0 610 4.4 

Male householder, no wife present 5,489 100.0 4,673 85.1 1,470 26.8 6.9 2,877 52.4 326 5.9 

Nonfamily household 39,506 100.0 36,145 91.5 6,722 17.0 31.6 28,083 71.1 1,340 3.4 

Female householder 20,809 100.0 19,440 93.4 3,067 14.7 14.4 15,684 75.4 688 3.3 

Male householder 18,698 100.0 16,705 89.3 3,655 19.5 17.2 12,399 66.3 651 3.5 

Other 

Household Income (Primary Family or 

Individual) 

129 100.0 101 78.1 28 21.5 0.1 66 51.1 7 5.5 

Less than $15,000 15,504 100.0 11,297 72.9 3,465 22.3 16.3 7,470 48.2 362 2.3 

Between $15,000 and $30,000 17,350 100.0 15,091 87.0 4,138 23.8 19.4 10,436 60.1 517 3.0 

Between $30,000 and $50,000 21,388 100.0 20,497 95.8 5,139 24.0 24.2 14,555 68.1 803 3.8 

Between $50,000 and $75,000 18,849 100.0 18,571 98.5 3,400 18.0 16.0 14,588 77.4 582 3.1 

At least $75,000 27,699 100.0 27,615 99.7 3,141 11.3 14.8 23,644 85.4 830 3.0 

Unknown 

Education of Householder 

17,784 100.0 16,419 92.3 1,993 11.2 9.4 12,707 71.4 1,719 9.7 

No High School Degree 14,984 100.0 11,312 75.5 3,334 22.3 15.7 7,282 48.6 696 4.6 

High School Degree 34,661 100.0 31,317 90.4 7,184 20.7 33.8 22,648 65.3 1,485 4.3 

Some College 33,186 100.0 31,553 95.1 7,074 21.3 33.2 23,098 69.6 1,380 4.2 

College Degree (Four Year) 

Age of Householder 

35,743 100.0 35,307 98.8 3,684 10.3 17.3 30,371 85.0 1,252 3.5 

15 to 24 years 6,598 100.0 5,532 83.8 1,648 25.0 7.7 3,522 53.4 363 5.5 

25 to 34 years 19,611 100.0 17,309 88.3 4,462 22.8 21.0 12,076 61.6 771 3.9 

35 to 44 years 22,547 100.0 20,549 91.1 4,681 20.8 22.0 14,926 66.2 942 4.2 

45 to 54 years 24,691 100.0 22,833 92.5 4,761 19.3 22.4 17,161 69.5 912 3.7 

55 to 64 years 20,236 100.0 19,255 95.2 3,171 15.7 14.9 15,275 75.5 810 4.0 

65 years or more 

Labor Force Status of Householder 

24,891 100.0 24,009 96.5 2,554 10.3 12.0 20,439 82.1 1,016 4.1 

Employed 72,554 100.0 68,586 94.5 13,718 18.9 64.5 51,881 71.5 2,987 4.1 

Unemployed 6,592 100.0 5,317 80.7 1,754 26.6 8.2 3,333 50.6 230 3.5 

Not in Labor Force 38,957 100.0 35,119 90.1 5,691 14.6 26.7 27,860 71.5 1,569 4.0 

Unknown 

Homeownership Status 

472 100.0 468 99.2 113 24.1 0.5 326 69.2 28 6.0 

Homeowner 80,258 100.0 78,128 97.3 11,200 14.0 52.6 63,571 79.2 3,358 4.2 

Non-homeowner 

Geographic Region 

38,316 100.0 31,361 81.8 10,076 26.3 47.4 19,828 51.7 1,456 3.8 

Northeast 21,611 100.0 20,121 93.1 3,479 16.1 16.4 15,649 72.4 993 4.6 

Midwest 26,508 100.0 24,874 93.8 4,510 17.0 21.2 19,495 73.5 869 3.3 

South 43,974 100.0 39,809 90.5 9,000 20.5 42.3 29,133 66.3 1,675 3.8 

West 26,482 100.0 24,685 93.2 4,287 16.2 20.2 19,122 72.2 1,275 4.8 

FDIC National Survey of Unbanked and Underbanked Households ■ DECEMBER 2009 58
 

Metropolitan Status 

Metropolitan All 

Inside Principal City 

Not Inside Principal City 

Not Identified 

Not in Metropolitan Area 

Not Identified 

98,787 

33,254 

48,390 

17,143 

18,951 

836 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

91,394 

29,489 

45,840 

16,065 

17,322 

774 

92.5 

88.7 

94.7 

93.7 

91.4 

92.5 

17,270 

6,373 

7,587 

3,310 

3,812 

194 

17.5 

19.2 

15.7 

19.3 

20.1 

23.2 

81.2 

30.0 

35.7 

15.6 

17.9 

0.9 

69,996 

21,599 

36,273 

12,124 

12,851 

552 

70.9 

65.0 

75.0 

70.7 

67.8 

66.0 

4,127 

1,516 

1,980 

631 

659 

28 

4.2 

4.6 

4.1 

3.7 

3.5 

3.3 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to make an 

accurate estimate. 

FDIC National Survey of Unbanked and Underbanked Households ■ DECEMBER 2009 59
 

Table A-13 Unbanked Households’ Use of General Spending Cards and Payroll Cards 

Unbanked Households 

Unbanked Status 

Previously Banked Never Banked 

Previous Banking Status 

Unknown 

Type of Pre-Paid Card 

Number 

(1000s) Pct of Total 

Number 

(1000s) Pct of Total 

Number 

(1000s) Pct of Total 

Number 

(1000s) Pct of Total 

General Spending Card 

Used 1,079 11.9 838 18.8 242 5.7 * * 

Never Used 7,190 79.1 3,461 77.7 3,669 86.1 60 16.2 

Don’t Know 816 9.0 155 3.5 352 8.3 309 83.8 

Totalb 9,085 100.0 4,454 100.0 4,263 100.0 368 100.0 

Payroll Card 

Used 283 3.1 222 5.0 62 1.4 * * 

Never Used 7,971 87.7 4,076 91.5 3,840 90.1 56 15.1 

Don’t Know 831 9.1 156 3.5 361 8.5 313 84.9 

Total 9,085 100.0 4,454 100.0 4,263 100.0 368 100.0 

Note: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. 

*

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

only slightly greater than zero for this cell. 

Table A-14 Underbanked Households’ Use of General Spending Cards and Payroll Cards 

Banked Households 

Underbanked Status 

Underbanked Not Underbanked 

Underbanked Status 

Unknown 

Type of Pre-Paid Card 

Number 

(1000s) Pct of Total 

Number 

(1000s) Pct of Total 

Number 

(1000s) Pct of Total 

Number 

(1000s) Pct of Total 

General Spending Card 

Used 10,462 9.6 3,495 16.4 6,745 8.1 222 4.6 

Never Used 95,510 87.2 17,625 82.8 76,339 91.5 1,546 32.1 

Don’t Know 3,517 3.2 156 0.7 316 0.4 3,045 63.3 

Total 109,488 100.0 21,276 100.0 83,399 100.0 4,813 100.0 

Payroll Card 

Used 3,232 3.0 898 4.2 2,281 2.7 53 1.1 

Never Used 102,948 94.0 20279 95.3 80,972 97.1 1,697 35.3 

Don’t Know 3,309 3.0 99 0.5 146 0.2 3,064 63.6 

Total 109,488 100.0 21,276 100.0 83,399 100.0 4,813 100.0 

Note: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. 

FDIC National Survey of Unbanked and Underbanked Households ■ DECEMBER 2009 60
 

Table A-15 Underbanked Households’ Use of AFS Transaction and Credit Products 

Banked Households 

Underbanked Status 

Underbanked Not Underbanked 

Underbanked Status 

Unknown 

Types of AFS Products Useda 

Number 

(1000s) Pct of Total 

Number 

(1000s) Pct of Total 

Number 

(1000s) Pct of Total 

Number 

(1000s) Pct of Total 

Never Used AFS 

Used Transaction Products Only 

Used Both Transaction and Credit Products 

Used Credit Products Only 

Unknownb 

Total 

68,896 62.9 

24,324 22.2 

7,337 6.7 

3,938 3.6 

4,993 4.6 

109,488 100.0 

* * 

12,356 58.1 

6,186 29.1 

2,295 10.8 

439 2.1 

21,276 100.0 

68,896 82.6 

11,897 14.3 

1,075 1.3 

1,531 1.8 

* * 

83,399 100.0 

* * 

72 1.5 

76 1.6 

113 2.3 

4,552 94.6 

4,813 100.0 

Note: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. 

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

b “Unknown” includes households where transaction products are used but credit product use is unknown and households where credit products are used, but transaction-product use is unknown. 

* For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded to 0.0 percent. It is estimated that the population value is 

only slightly greater than zero for this cell. 

FDIC National Survey of Unbanked and Underbanked Households ■ DECEMBER 2009 61
 

Table A-16 Underbanked Households’ Use of AFS Transaction and Credit Products by Demographic Characteristic 

Underbanked 

Households 

Type of AFS Useda 

Used Transaction 

Products Only 

Used Both 

Transaction and 

Credit Products 

Used Credit 

Products Only Unknownb 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Number Pct of 

(1000s) Row Total 

All Underbanked Households 

Race and Ethnicity of 

Householder 

21,276 100.0 12,356 58.1 6,186 29.1 2,295 10.8 436 2.0 

Black 4,900 100.0 2,710 55.3 1,663 33.9 425 8.7 102 2.1 

Hispanic non-Black 3,164 100.0 2,009 63.5 736 23.3 331 10.4 89 2.8 

White non-Black non-Hispanic 12,436 100.0 7,191 57.8 3,559 28.6 1,456 11.7 231 1.8 

Other non-Black non-Hispanic 

Spanish Language Usage 

776 100.0 445 57.3 229 29.5 83 10.7 20 2.5 

Not Spanish is only language spoken 20,761 100.0 11,976 57.7 6,100 29.4 2,270 10.9 415 2.0 

Spanish is only language spoken 

Nativity of Householder 

515 100.0 380 73.7 86 16.7 25 4.8 25 4.9 

Native citizen 18,780 100.0 10,537 56.1 5,805 30.9 2,081 11.1 357 1.9 

Foreign-born naturalized citizen 1,046 100.0 762 72.8 145 13.9 94 9.0 45 4.3 

Foreign-born non-citizen 

Household Type 

1450 100.0 1,057 72.9 235 16.2 119 8.2 39 2.7 

Family Household 14,527 100.0 8,143 56.1 4,373 30.1 1,668 11.5 344 2.4 

Married Couple 9,138 100.0 5,618 61.5 2,284 25.0 1,039 11.4 198 2.2 

Female householder, no husband 

present 

3,919 100.0 1,811 46.2 1,594 40.7 433 11.0 81 2.0 

Male householder, no wife present 1,470 100.0 714 48.6 495 33.7 196 13.3 65 4.4 

Nonfamily household 6,722 100.0 4,202 62.5 1,797 26.7 628 9.3 95 1.4 

Female householder 3,067 100.0 2,024 66.0 715 23.3 284 9.2 44 1.5 

Male householder 3655 100.0 2,178 59.6 1,082 29.6 344 9.4 51 1.4 

Other 

Household Income (Primary 

Family or Individual) 

28 100.0 NA NA NA NA NA NA NA NA 

Less than $15,000 3,465 100.0 2,004 57.8 1,131 32.6 300 8.7 30 0.8 

Between $15,000 and $30,000 4,138 100.0 2,157 52.1 1,391 33.6 494 11.9 96 2.4 

Between $30,000 and $50,000 5,139 100.0 2,718 52.9 1,759 34.2 588 11.4 74 1.4 

Between $50,000 and $75,000 3,400 100.0 2,024 59.5 918 27.0 384 11.3 74 2.2 

At least $75,000 3,141 100.0 2,148 68.4 606 19.3 321 10.2 66 2.1 

Unknown 

Education of Householder 

1,993 100.0 1,305 65.5 382 19.2 208 10.4 99 4.9 

No High School Degree 3,334 100.0 1,947 58.4 972 29.2 331 9.9 84 2.5 

High School Degree 7,184 100.0 4,101 57.1 2,165 30.1 782 10.9 137 1.9 

Some College 7074 100.0 3,759 53.1 2,310 32.7 877 12.4 128 1.8 

College Degree (Four Year) 

Age of Householder 

3,684 100.0 2,549 69.2 739 20.1 305 8.3 90 2.5 

15 to 24 years 1648 100.0 841 51.0 574 34.8 202 12.3 32 1.9 

25 to 34 years 4,462 100.0 2,099 47.0 1,610 36.1 657 14.7 96 2.2 

35 to 44 years 4,681 100.0 2,423 51.8 1,573 33.6 604 12.9 81 1.7 

45 to 54 years 4,761 100.0 2,771 58.2 1,445 30.4 452 9.5 92 2.0 

55 to 64 years 3,171 100.0 2,185 68.9 662 20.9 265 8.3 59 1.9 

65 years or more 2554 100.0 2,038 79.8 322 12.6 115 4.5 79 3.1 

FDIC National Survey of Unbanked and Underbanked Households ■ DECEMBER 2009 62
 

Labor Force Status of 

Householder 

Employed 13,718 100.0 7,768 56.6 4,129 30.1 1,537 11.2 282 2.1 

Unemployed 1,754 100.0 803 45.8 673 38.4 260 14.8 18 1.0 

Not in Labor Force 5,691 100.0 3,714 65.3 1,356 23.8 485 8.5 136 2.4 

Unknown 

Homeownership Status 

113 100.0 70 62.1 28 24.7 13 11.7 2 1.6 

Homeowner 11,200 100.0 7,253 64.8 2,516 22.5 1,178 10.5 253 2.2 

Non-homeowner 

Geographic Region 

10,076 100.0 5,103 50.6 3,670 36.4 1,116 11.1 187 1.8 

Northeast 3479 100.0 2,497 71.8 655 18.8 252 7.2 76 2.2 

Midwest 4510 100.0 2,412 53.5 1,418 31.4 612 13.6 67 1.5 

South 9000 100.0 5,096 56.6 2,768 30.8 907 10.1 229 2.5 

West 

Metropolitan Status 

4287 100.0 2,351 54.8 1,345 31.4 524 12.2 68 1.6 

Metropolitan Area 13960 100.0 10,026 58.1 4,999 28.9 1,865 10.8 381 2.2 

Inside Principal City 6373 100.0 3,590 56.3 1,930 30.3 679 10.7 174 2.7 

Not Inside Principal City 7587 100.0 4,538 59.8 2,101 27.7 817 10.8 132 1.7 

Not Identified 1,898 57.3 968 29.3 369 11.2 74 2.2 

Not in Metropolitan Area 3812 100.0 2,207 57.9 1,150 30.2 398 10.4 58 1.5 

Not Identified 3504 100.0 123 63.5 38 19.4 32 16.2 2 1.0 

Note: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. 

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

b “Unknown” includes households where transaction products are used but credit product use is unknown and households where credit products are used but transaction product use is unknown. 

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

slightly greater than zero for this cell. 

FDIC National Survey of Unbanked and Underbanked Households ■ DECEMBER 2009 63
 

Table A-17 Underbanked Households’ Use of Specific AFS Products 

Banked Households 

Underbanked Status 

Underbanked Not Underbanked 

Underbanked Status 

Unknown 

Type of AFS 

Number 

(1000s) 

Pct of 

Total 

Number 

(1000s) 

Pct of Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

Any AFS Product 

Used 36,367 33.2 21,276 100.0 14,503 17.4 589 12.2 

Never Used 68,896 62.9 * * 68,896 82.6 * * 

Use Unknown 4,224 3.9 * * * * 4,224 87.8 

Total 

Non-Bank Money Order 

109,489 100.0 21,276 100.0 83,399 100.0 4,813 100.0 

Used 29,357 26.8 17,261 81.1 11,732 14.1 364 7.6 

Never Used 77,019 70.3 3,987 18.7 71,667 85.9 1,365 28.4 

Use Unknown 3,113 2.8 29 0.1 * * 3,084 64.1 

Total 

Non-Bank Check Cashing 

109,488 100.0 21,276 100.0 83,399 100.0 4,813 100.0 

Used 8,757 8.0 6,374 30.0 2,245 2.7 138 2.9 

Never Used 98,032 89.5 14,874 69.9 81,155 97.3 2,003 41.6 

Use Unknown 2,701 2.5 28 0.1 * * 2,673 55.5 

Total 

Payday Lending 

109,488 100.0 21,276 100.0 83,399 100.0 4,813 100.0 

Used 3,574 3.3 3,445 16.2 7 0.0 122 2.5 

Never Used 102,175 93.3 17,523 82.4 83,393 100.0 1,259 26.2 

Use Unknown 3,742 3.4 310 1.5 * * 3,432 71.3 

Total 

Pawn Shops 

109,488 100.0 21,276 100.0 83,399 100.0 4,813 100.0 

Used 5,470 5.0 3,353 15.8 2,043 2.4 74 1.5 

Never Used 100,233 91.5 17,575 82.6 81,357 97.6 1,301 27.0 

Use Unknown 3,788 3.5 349 1.6 * * 3,439 71.5 

Total 

Rent-to-Own 

109,488 100.0 21,276 100.0 83,399 100.0 4,813 100.0 

Used 3,480 3.2 2,771 13.0 664 0.8 45 0.9 

Never Used 102,459 93.6 18,316 86.1 82,735 99.2 1,408 29.3 

Use Unknown 3,551 3.2 191 0.9 * * 3,360 69.8 

Total 

Refund Anticipation Loan 

109,488 100.0 21,276 100.0 83,399 100.0 4,813 100.0 

Used 2,802 2.6 2,802 13.2 * * * * 

Never Used 102,777 93.9 18,197 85.5 83,399 100.0 1,181 24.5 

Use Unknown 3,910 3.6 278 1.3 * * 3,632 75.5 

Total 109,488 100.0 21,276 100.0 83,399 100.0 4,813 100.0 

Note: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. 

*For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded to 0.0 percent. It is estimated that the population value 

is only slightly greater than zero for this cell. 

FDIC National Survey of Unbanked and Underbanked Households ■ DECEMBER 2009 64
 

Table A-18 Underbanked Households’ Frequency of Use of AFS Products 

Banked Households 

Underbanked Status 

Underbanked Not Underbanked 

Underbanked Status 

Unknown 

Frequency of AFS Use 

Number 

(1000s) 

Pct of 

Total 

Number 

(1000s) 

Pct of 

Total 

Number 

(1000s) 

Pct of 

Total 

Number 

(1000s) 

Pct of 

Total 

Non-Bank Money Order 

At least a few times a year 8,842 30.1 8,842 51.2 * * * * 

Once or twice a year 7,110 24.2 7,109 41.2 * * * * 

Almost never 13,348 45.5 1,305 7.6 11,732 100.0 311 85.4 

Unknown 58 0.2 5 0.0 * * 53 14.6 

Totalb 

Non-Bank Check Cashing 

29,357 100.0 17,261 100.0 11,732 100.0 364 100.0 

At least a few times a year 3,038 34.7 3,038 47.7 * * * * 

Once or twice a year 1,983 22.6 1,983 31.1 * * * * 

Almost never 3,666 41.9 1,351 21.2 2,245 100.0 70 50.5 

Unknown 70 0.8 2 0.0 * * 68 49.0 

Total 

Payday Lendinga 

8,757 100.0 6,374 100.0 2,245 100.0 138 100.0 

At least a few times a year 1,280 35.8 1,280 37.2 * * * * 

Once or twice a year 2,005 56.1 2,005 58.2 * * * * 

Almost never 29 0.8 22 0.6 7 100.0 * * 

Unknown 260 7.3 138 4.0 * * 122 100.0 

Total 

Pawn Shops 

3,574 100 3,445 100 7 100.0 122 100.0 

At least a few times a year 420 12.5 420 12.5 * * * * 

Once or twice a year 1,099 32.8 1,099 32.8 * * * * 

Almost never 3,928 54.5 1,828 54.5 2,043 100.0 57 76.8 

Unknown 23 0.2 6 0.2 * * 17 23.2 

Total 

Rent-to-Own 

5,470 100.0 3,353 100.0 2,043 100.0 74 100.0 

At least a few times a year 329 11.9 329 11.9 * * * * 

Once or twice a year 1,220 44.0 1,220 44.0 * * * * 

Almost never 1,923 44.1 1,221 44.1 664 100.0 38 84.8 

Unknown 8 0.0 1 0.0 * * 7 15.2 

Total 3,481 100.0 2,771 100.0 664 100.0 45 100.0 

Notes: Totals include only underbanked households that use the specified AFS products. Figures do not always reconcile to totals because of the rounding of household weights to represent the 

population totals. 

a The frequency of payday lending use presented in this analysis is lower than other industry estimates. This may be due in part to a high proportion of missing data on the frequency of payday 

lending use compared to other AFS products in the survey. Over 7 percent of unbanked households that use payday lending have missing frequency of use data compared to less than 1 percent of 

households that use other AFS products. In addition, the question regarding frequency of use was asked differently for payday lending than for other AFS products (see Supplement Survey Instrument in Appendix E). 

* For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded to 0.0 percent. It is estimated that the population value is 

only slightly greater than zero for this cell. 

FDIC National Survey of Unbanked and Underbanked Households ■ DECEMBER 2009 65
 

Table A-19 Reasons Underbanked Households Use AFS 

Banked Households 

Underbanked Status 

Underbanked Not Underbanked 

Underbanked Status 

Unknown 

Reasons Household Used AFS 

Instead of Banks 

Number 

(1000s) 

Pct of 

Total 

Number 

(1000s) 

Pct of 

Total 

Number 

(1000s) 

Pct of 

Total 

Number 

(1000s) 

Pct of 

Total 

Non-Bank Money Orders 

Banks do not sell money orders 575 2.0 339 2.0 216 1.8 20 5.5 

The place to purchase money orders is more convenient 18,062 61.5 9,973 57.8 7,888 67.2 201 55.3 

Banks charge more for money orders 6,385 21.7 4,778 27.7 1,562 13.3 45 12.5 

The place feels more comfortable than a bank 770 2.6 536 3.1 225 1.9 9 2.5 

Other 3,234 11.0 1,555 9.0 1,649 14.1 30 8.3 

Not provided 330 1.1 80 0.5 193 1.6 58 15.9 

Totalb 

Non-Bank Check Cashing 

29,358 100.0 17,261 100.0 11,732 100.0 364 100.0 

Don’t have a bank account 843 9.6 675 10.6 163 7.3 5 3.8 

To get money faster 1,417 16.2 1,120 17.6 286 12.7 11 8.3 

The place is more convenient 4,960 56.6 3,545 55.6 1,355 60.4 60 43.8 

Bank charges more to cash checks 180 2.1 157 2.5 22 1.0 * * 

The place to cash checks asks for fewer IDs 48 0.5 44 0.7 4 0.2 * * 

Feel more comfortable than at a bank 179 2.0 127 2.0 42 1.9 9 6.7 

Other 1,001 11.4 662 10.4 328 14.6 11 8.1 

Not provided 128 1.5 44 0.7 45 2.0 40 29.3 

Total 

Payday Loans 

8,757 100.0 6,374 100.0 2,245 100.0 137 100.0 

The payday loan place is more convenient 920 25.8 892 25.9 1 9.4 27 22.4 

Easier to get a payday loan than to qualify for a bank loan 1,532 42.9 1490 43.2 6 90.6 36 29.9 

Payday loan service feels more comfortable than a bank 89 2.5 82 2.4 * * 7 5.7 

Don’t qualify for bank loan 561 15.7 550 16.0 * * 12 9.5 

Other 413 11.6 392 11.4 * * 22 17.7 

Not provided 57 1.6 39.0 1.1 * * 18.0 14.8 

Total 

Pawn Shops 

3,572 100.0 3,444 100.0 7 100.0 122 100.0 

Banks don’t have small loans 315 5.7 232 6.9 81 4.0 2 2.3 

The pawn shop is more convenient 1,104 20.2 712 21.2 375 18.3 17 22.3 

Easier to get money from pawn shop than quality for bank 

loan 

1,816 33.2 1271 37.9 533 26.1 13 18.0 

More comfortable at a pawn shop than at a bank 116 2.1 66 2.0 50 2.5 * * 

Don’t qualify for a bank loan 529 9.7 420 12.5 99 4.8 10 13.8 

Other 1,523 27.8 631 18.8 878 43.0 13 17.5 

Not provided 68 1.2 21 0.6 27 1.3 19 26.0 

Total 5,470 100.0 3,353 100.0 2,043 100.0 74 100.0 

Notes: Totals include only underbanked households that use the specified AFS products. Figures do not always reconcile to totals because of rounding of household weights to represent the population totals. 

* For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportions rounded to 0.0 percent. It is estimated that the population value is 

only slightly greater than zero for this cell. 

FDIC National Survey of Unbanked and Underbanked Households ■ DECEMBER 2009 66
 

Table A-20 Reasons Underbanked Households Use AFS Credit 

Banked Households 

Underbanked Status 

Underbanked Not Underbanked 

Underbanked Status 

Unknown 

Main Reason Household Used AFS Credit 

Number 

(1000s) 

Pct of 

Total 

Number 

(1000s) 

Pct of 

Total 

Number 

(1000s) 

Pct of 

Total 

Number 

(1000s) 

Pct of 

Total 

To make up for lost income 1,517 13.4 1,308 15.4 182 7.0 27 12.8 

For basic living expenses 3,624 32.1 3,221 38.0 372 14.3 31 15.0 

For house repairs or to buy an appliance 788 7.0 631 7.4 152 5.8 4 2.1 

For medical expenses 212 1.9 193 2.3 20 0.7 * * 

For car repairs 403 3.6 379 4.5 24 0.9 * * 

For school or childcare expenses 163 1.4 132 1.6 30 1.1 1 0.3 

For special gifts or luxuries 718 6.4 522 6.2 187 7.2 9 4.3 

Other 3,550 31.4 1,943 22.9 1,535 58.9 72 34.4 

Unknown 325 2.9 156 1.8 104 4.0 65 31.1 

Totala 11,300 100.0 8,484 100.0 2,606 100.0 209 100.0 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. 

a Totals include only households that have used an AFS credit product. 

FDIC National Survey of Unbanked and Underbanked Households ■ DECEMBER 2009 67
FDIC National Survey of Unbanked and Underbanked Households ■ DECEMBER 2009 68
 

Appendix B - Detailed State Tables 

FDIC National Survey of Unbanked and Underbanked Households ■ DECEMBER 2009 69
 

Table B-1 Banking Status of Households by State 

All Households Unbanked 

Has a Bank Account 

Underbanked Not Underbanked 

Underbanked 

Status Unknown 

Number Pct of Row Number Pct of Row Number Pct of Row Number Pct of Row Number Pct of Row 

Region (1000s) Total (1000s) Total (1000s) Total (1000s) Total (1000s) Total 

All U.S. Households 118,574 100.0 9,085 7.7 21,276 17.9 83,399 70.3 4,813 4.1 

Midwest 

Illinois 4,911 100.0 304 6.2 773 15.7 3,704 75.4 130 2.7 

Indiana 2,445 100.0 180 7.4 410 16.8 1,786 73.1 69 2.8 

Iowa 1,229 100.0 57 4.7 206 16.8 941 76.6 25 2.0 

Kansas 1,147 100.0 73 6.4 200 17.4 843 73.5 31 2.7 

Michigan 3,938 100.0 265 6.7 658 16.7 2,825 71.7 190 4.8 

Minnesota 2,131 100.0 56 2.6 236 11.1 1,791 84.1 47 2.2 

Missouri 2,473 100.0 204 8.2 478 19.3 1,707 69.0 84 3.4 

Nebraska 708 100.0 38 5.4 105 14.9 552 77.9 13 1.8 

North Dakota 275 100.0 13 4.8 52 19.0 203 73.7 7 2.6 

Ohio 4,596 100.0 328 7.1 966 21.0 3,076 66.9 226 4.9 

South Dakota 332 100.0 16 4.8 54 16.2 253 76.3 9 2.7 

Wisconsin 2,322 100.0 99 4.3 372 16.0 1,814 78.1 37 1.6 

Northeast 

Connecticut 1,374 100.0 73 5.3 190 13.8 1,053 76.7 57 4.2 

Maine 550 100.0 14 2.6 99 18.0 420 76.4 16 3.0 

Massachusetts 2,637 100.0 108 4.1 302 11.4 2,132 80.9 95 3.6 

New Hampshire 524 100.0 12 2.2 63 12.1 436 83.3 13 2.4 

New Jersey 3,141 100.0 233 7.4 377 12.0 2,394 76.2 137 4.4 

New York 7,749 100.0 761 9.8 1,492 19.3 5,028 64.9 468 6.0 

Pennsylvania 4,958 100.0 251 5.1 874 17.6 3,646 73.5 186 3.8 

Rhode Island 423 100.0 26 6.2 52 12.2 331 78.3 14 3.3 

Vermont 256 100.0 11 4.2 31 12.1 207 81.1 7 2.6 

South 

Alabama 1,911 100.0 222 11.6 386 20.2 1,194 62.5 109 5.7 

Arkansas 1,135 100.0 115 10.1 253 22.3 733 64.6 33 2.9 

Delaware 341 100.0 19 5.6 50 14.7 266 77.9 6 1.7 

District of Columbia 301 100.0 37 12.2 72 23.9 182 60.4 11 3.5 

Florida 7,567 100.0 527 7.0 1,270 16.8 5,407 71.4 364 4.8 

Georgia 3,765 100.0 457 12.2 731 19.4 2,439 64.8 137 3.6 

Kentucky 1,754 100.0 208 11.9 415 23.7 1,099 62.7 31 1.8 

Louisiana 1,769 100.0 155 8.7 405 22.9 1,160 65.6 50 2.8 

Maryland 2,169 100.0 121 5.6 434 20.0 1,539 71.0 75 3.5 

Mississippi 1,118 100.0 184 16.4 282 25.2 616 55.1 37 3.3 

North Carolina 3,749 100.0 306 8.2 750 20.0 2,537 67.7 156 4.2 

Oklahoma 1,445 100.0 141 9.8 316 21.9 912 63.1 75 5.2 

South Carolina 1,790 100.0 182 10.2 432 24.2 1,119 62.5 57 3.2 

Tennessee 2,517 100.0 249 9.9 441 17.5 1,746 69.4 82 3.2 

Texas 8,891 100.0 1,040 11.7 2,145 24.1 5,409 60.8 298 3.4 

Virginia 2,996 100.0 153 5.1 464 15.5 2,252 75.2 127 4.3 

West Virginia 756 100.0 47 6.3 156 20.7 524 69.3 28 3.7 

West 

Alaska 250 100.0 11 4.3 64 25.5 166 66.3 10 4.0 

Arizona 2,630 100.0 197 7.5 441 16.8 1,915 72.8 77 2.9 

California 13,094 100.0 1,013 7.7 1,990 15.2 9,350 71.4 741 5.7 

Colorado 2,000 100.0 138 6.9 307 15.3 1,474 73.7 82 4.1 

Hawaii 439 100.0 13 2.9 61 13.8 329 75.0 37 8.3 

Idaho 566 100.0 38 6.7 111 19.7 392 69.3 24 4.2 

Montana 419 100.0 16 3.8 83 19.7 300 71.4 21 5.0 

Nevada 981 100.0 67 6.9 201 20.5 680 69.3 33 3.3 

New Mexico 780 100.0 89 11.4 169 21.7 488 62.5 34 4.4 

Oregon 1,558 100.0 88 5.7 230 14.8 1,124 72.1 116 7.5 

Utah 902 100.0 15 1.7 137 15.2 718 79.6 32 3.6 

Washington 2,643 100.0 103 3.9 456 17.3 2,027 76.7 57 2.1 

Wyoming 221 100.0 9 4.0 38 17.4 161 73.1 12 5.5 

Note: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals 

FDIC National Survey of Unbanked and Underbanked Households ■ DECEMBER 2009 70
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table B-2 Banking Status by Household Characteristics: Alabama 

All Households Unbanked

 Has a Bank Account 

Underbanked Not Underbanked

 Underbanked Status 

Unknown 

Household Characteristic 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

All Households 

Race/Ethnicity 

1,911 100.0 222 11.6 386 20.2 1,194 62.5 109 5.7 

Black 489 100 126 25.7 194 39.7 144 29.5 25 5.1 

Hispanic non-Black 42 100 NA NA NA NA NA NA NA NA 

White non-Black non-Hispanic 1,343 100.0 69 5.1 173 12.9 1,017 75.7 84 6.2 

Other non-Black non-Hispanic 

Household Type 

37 100.0 NA NA NA NA NA NA NA NA 

Family household 1,250 100.0 118 9.5 231 18.5 808 64.6 92 7.4 

Married couple 961 100.0 29 3.0 158 16.5 701 73.0 72 7.4 

Female householder, no husband present 227 100.0 65 28.5 66 28.9 80 35.3 16 7.3 

Male householder, no wife present 62 100.0 NA NA NA NA NA NA NA NA 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

661 100.0 104 15.7 154 23.4 386 58.5 16 2.5 

Less than $15,000 325 100.0 124 38.0 86 26.6 110 34.0 5 1.4 

Between $15,000 and $30,000 342 100.0 36 10.5 97 28.3 193 56.4 17 4.9 

Between $30,000 and $50,000 284 100.0 22 7.9 67 23.5 183 64.7 11 3.9 

Between $50,000 and $75,000 302 100.0 6 2.1 54 17.8 224 74.0 18 6.1 

At least $75,000 341 100.0 * * 49 14.4 278 81.3 15 4.3 

Unknown 

Education 

316 100.0 34 10.8 33 10.3 206 65.2 43 13.7 

No high school degree 297 100.0 111 37.5 67 22.4 112 37.6 8 2.5 

High school degree 576 100.0 65 11.3 135 23.4 354 61.4 23 4.0 

Some college 584 100.0 39 6.8 119 20.4 375 64.1 51 8.7 

College degree (four year) 

Age 

453 100.0 6 1.4 65 14.3 354 78.2 28 6.1 

15 to 34 years 395 100.0 65 16.5 115 29.1 186 47.1 29 7.2 

35 to 44 years 364 100.0 61 16.7 56 15.3 219 60.1 29 7.8 

45 to 54 years 354 100.0 42 11.9 69 19.6 224 63.2 19 5.3 

55 to 64 years 308 100.0 6 2.1 68 22.1 230 74.8 3 1.0 

65 years or more 

Homeownership 

490 100.0 48 9.7 77 15.8 335 68.4 30 6.1 

Homeowner 1,400 100.0 63 4.5 245 17.5 1,008 71.9 85 6.1 

Non-homeowner 510 100.0 160 31.3 140 27.5 187 36.6 24 4.6 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to make 

an accurate estimate. 

* There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 71
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table B-3 Banking Status by Household Characteristics: Alaska 

All Households Unbanked

 Has a Bank Account 

Underbanked Not Underbanked

 Underbanked Status 

Unknown 

Household Characteristic 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

All Households 

Race/Ethnicity 

250 100.0 11 4.3 64 25.5 166 66.3 10 4.0 

Black 11 100.0 NA NA NA NA NA NA NA NA 

Hispanic non-Black 9 100.0 NA NA NA NA NA NA NA NA 

White non-Black non-Hispanic 188 100.0 4 2.1 40 21.4 138 73.3 6 3.3 

Other non-Black non-Hispanic 

Household Type 

41 100.0 5 11.7 15 35.1 20 47.7 2 5.6 

Family household 164 100.0 5 3.1 41 25.3 111 67.9 6 3.7 

Married couple 132 100.0 1 0.9 31 23.9 94 71.2 5 4.0 

Female householder, no husband present 22 100.0 1 5.8 8 35.6 13 56.7 * 1.8 

Male householder, no wife present 10 100.0 NA NA NA NA NA NA NA NA 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

86 100.0 6 6.6 22 25.7 54 63.3 4 4.4 

Less than $15,000 23 100.0 5 22.0 4 15.3 13 56.3 1 6.4 

Between $15,000 and $30,000 30 100.0 2 7.7 12 39.3 15 49.2 1 3.7 

Between $30,000 and $50,000 44 100.0 1 2.0 14 31.9 28 65.1 * 0.9 

Between $50,000 and $75,000 49 100.0 1 1.8 18 36.2 29 59.1 1 2.8 

At least $75,000 83 100.0 * * 12 14.7 67 81.3 3 4.0 

Unknown 

Education 

21 100.0 1 7.0 4 20.5 13 62.0 2 10.5 

No high school degree 18 100.0 5 25.1 5 26.4 8 43.4 1 5.2 

High school degree 81 100.0 5 5.9 24 29.8 51 62.6 1 1.6 

Some college 78 100.0 1 1.1 24 31.4 48 61.9 4 5.6 

College degree (four year) 

Age 

73 100.0 * 0.7 10 14.0 59 80.8 3 4.6 

15 to 34 years 67 100.0 3 4.8 27 40.1 35 52.2 2 2.8 

35 to 44 years 45 100.0 3 6.7 11 24.4 29 65.4 2 3.4 

45 to 54 years 63 100.0 2 3.8 13 21.0 45 71.7 2 3.5 

55 to 64 years 43 100.0 1 3.2 6 15.1 32 74.0 3 7.7 

65 years or more 

Homeownership 

32 100.0 1 2.3 6 19.1 25 75.7 1 3.0 

Homeowner 167 100.0 3 1.5 33 20.0 123 74.0 7 4.5 

Non-homeowner 83 100.0 8 9.8 30 36.5 42 50.8 2 3.0 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to make 

an accurate estimate. 

* There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 72
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table B-4 Banking Status by Household Characteristics: Arizona 

All Households Unbanked 

Has a Bank Account 

Underbanked Not Underbanked

 Underbanked Status 

Unknown 

Household Characteristic 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

All Households 

Race/Ethnicity 

2,630 100.0 197 7.5 441 16.8 1,915 72.8 77 2.9 

Black 110 100.0 NA NA NA NA NA NA NA NA 

Hispanic non-Black 627 100.0 111 17.6 144 23.0 359 57.2 13 2.1 

White non-Black non-Hispanic 1,728 100.0 37 2.2 235 13.6 1,402 81.1 54 3.2 

Other non-Black non-Hispanic 

Household Type 

166 100.0 45 27.4 35 21.3 80 48.5 5 2.8 

Family household 1,619 100.0 115 7.1 312 19.3 1,123 69.4 68 4.2 

Married couple 1,239 100.0 46 3.7 201 16.2 929 75.0 63 5.1 

Female householder, no husband present 283 100.0 55 19.4 69 24.3 154 54.4 5 1.9 

Male householder, no wife present 96 100.0 NA NA NA NA NA NA NA NA 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

1,012 100.0 82 8.1 129 12.7 793 78.3 8 0.8 

Less than $15,000 284 100.0 89 31.4 41 14.3 145 51.0 9 3.3 

Between $15,000 and $30,000 379 100.0 59 15.5 76 20.1 226 59.6 18 4.9 

Between $30,000 and $50,000 497 100.0 17 3.5 109 22.0 353 71.0 18 3.5 

Between $50,000 and $75,000 472 100.0 5 1.1 95 20.0 363 76.9 9 2.0 

At least $75,000 577 100.0 5 0.9 91 15.8 472 81.8 8 1.4 

Unknown 

Education 

420 100.0 22 5.2 29 6.8 356 84.7 14 3.3 

No high school degree 350 100.0 83 23.7 77 21.9 185 52.9 5 1.5 

High school degree 655 100.0 75 11.4 162 24.7 397 60.6 22 3.3 

Some college 858 100.0 40 4.6 151 17.6 637 74.2 31 3.6 

College degree (four year) 

Age 

767 100.0 * * 52 6.7 697 90.9 19 2.4 

15 to 34 years 602 100.0 52 8.6 127 21.1 406 67.4 17 2.9 

35 to 44 years 501 100.0 59 11.8 117 23.3 315 63.0 9 1.9 

45 to 54 years 497 100.0 43 8.6 85 17.2 347 69.7 22 4.5 

55 to 64 years 487 100.0 26 5.4 73 14.9 379 77.8 9 1.9 

65 years or more 

Homeownership 

544 100.0 17 3.2 39 7.2 469 86.2 19 3.4 

Homeowner 1,848 100.0 79 4.3 234 12.7 1,475 79.8 60 3.2 

Non-homeowner 782 100.0 118 15.1 206 26.4 440 56.3 17 2.2 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to make 

an accurate estimate. 

* There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 73
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table B-5 Banking Status by Household Characteristics: Arkansas 

All Households Unbanked 

Has a Bank Account 

Underbanked Not Underbanked

 Underbanked Status 

Unknown 

Household Characteristic 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

All Households 

Race/Ethnicity 

1,135 100 115 10.1 253 22.3 733 64.6 33 2.9 

Black 188 100 52 27.8 62 32.9 65 34.8 9 4.5 

Hispanic non-Black 43 100 NA NA NA NA NA NA NA NA 

White non-Black non-Hispanic 883 100 45 5.1 176 19.9 641 72.6 21 2.4 

Other non-Black non-Hispanic 

Household Type 

20 100 NA NA NA NA NA NA NA NA 

Family household 771 100 89 11.6 177 23.0 476 61.7 29 3.7 

Married couple 546 100 30 5.4 111 20.3 385 70.5 21 3.8 

Female householder, no husband present 157 100 48 30.9 41 26.5 62 39.7 4 2.8 

Male householder, no wife present 69 100 11 16.5 25 36.7 29 41.6 3 5.1 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

363 100 26 7.0 76 20.8 257 70.9 4 1.2 

Less than $15,000 230 100 67 29.2 47 20.3 114 49.4 3 1.1 

Between $15,000 and $30,000 245 100 28 11.3 72 29.4 142 57.9 3 1.4 

Between $30,000 and $50,000 199 100 6 3.3 59 29.8 118 59.6 15 7.4 

Between $50,000 and $75,000 164 100 * * 34 20.5 128 77.8 3 1.7 

At least $75,000 146 100 * * 17 12.0 127 86.7 2 1.4 

Unknown 

Education 

151 100 14 9.0 24 16.1 105 69.9 8 5.0 

No high school degree 193 100 53 27.4 46 23.8 86 44.3 9 4.5 

High school degree 410 100 38 9.2 96 23.3 262 63.9 15 3.6 

Some college 329 100 24 7.4 79 24.1 217 66.0 8 2.5 

College degree (four year) 

Age 

202 100 * * 32 16.0 168 83.4 1 0.6 

15 to 34 years 270 100 51 18.8 88 32.6 127 47.0 4 1.6 

35 to 44 years 176 100 22 12.5 28 15.9 113 64.3 13 7.3 

45 to 54 years 229 100 18 8.0 70 30.6 138 60.2 3 1.2 

55 to 64 years 197 100 19 9.6 41 20.6 126 64.0 12 5.8 

65 years or more 

Homeownership 

262 100 5 1.9 26 10.0 229 87.4 2 0.6 

Homeowner 761 100 24 3.2 126 16.6 582 76.5 28 3.7 

Non-homeowner 373 100 91 24.3 127 34.0 151 40.5 5 1.2 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to make 

an accurate estimate. 

* There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 74
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table B-6 Banking Status by Household Characteristics: California 

All Households Unbanked

 Has a Bank Account 

Underbanked Not Underbanked

 Underbanked Status 

Unknown 

Household Characteristic 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

All Households 

Race/Ethnicity 

13,094 100.0 1,013 7.7 1,990 15.2 9,350 71.4 741 5.7 

Black 1,034 100.0 163 15.8 319 30.9 499 48.3 53 5.1 

Hispanic non-Black 3,533 100.0 650 18.4 756 21.4 1,867 52.9 260 7.4 

White non-Black non-Hispanic 6,903 100.0 142 2.1 795 11.5 5,658 82.0 308 4.5 

Other non-Black non-Hispanic 

Household Type 

1,624 100.0 58 3.6 120 7.4 1,326 81.6 121 7.4 

Family household 9,031 100.0 753 8.3 1,466 16.2 6,282 69.6 529 5.9 

Married couple 6,688 100.0 357 5.3 906 13.5 5,053 75.6 372 5.6 

Female householder, no husband present 1,578 100.0 271 17.2 398 25.2 805 51.0 105 6.6 

Male householder, no wife present 764 100.0 125 16.4 163 21.4 424 55.5 52 6.8 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

4,063 100.0 260 6.4 523 12.9 3,067 75.5 213 5.2 

Less than $15,000 1,463 100.0 332 22.7 320 21.8 750 51.2 62 4.3 

Between $15,000 and $30,000 1,816 100.0 370 20.4 422 23.2 955 52.6 69 3.8 

Between $30,000 and $50,000 2,276 100.0 152 6.7 444 19.5 1,558 68.5 121 5.3 

Between $50,000 and $75,000 1,985 100.0 36 1.8 302 15.2 1,564 78.8 82 4.2 

At least $75,000 3,868 100.0 4 0.1 342 8.8 3,379 87.4 143 3.7 

Unknown 

Education 

1,685 100.0 118 7.0 159 9.5 1,143 67.9 264 15.7 

No high school degree 1,958 100.0 525 26.8 400 20.5 911 46.5 121 6.2 

High school degree 2,715 100.0 278 10.2 447 16.5 1,801 66.3 190 7.0 

Some college 4,001 100.0 169 4.2 753 18.8 2,857 71.4 221 5.5 

College degree (four year) 

Age 

4,420 100.0 41 0.9 389 8.8 3,780 85.5 210 4.7 

15 to 34 years 2,951 100.0 427 14.5 606 20.5 1,747 59.2 171 5.8 

35 to 44 years 2,669 100.0 208 7.8 514 19.2 1,787 66.9 160 6.0 

45 to 54 years 2,746 100.0 216 7.9 371 13.5 1,996 72.7 163 5.9 

55 to 64 years 2,301 100.0 109 4.7 265 11.5 1,806 78.5 121 5.3 

65 years or more 

Homeownership 

2,426 100.0 52 2.2 234 9.6 2,014 83.0 127 5.2 

Homeowner 7,480 100.0 146 2.0 676 9.0 6,198 82.9 459 6.1 

Non-homeowner 5,614 100.0 867 15.4 1,314 23.4 3,152 56.1 282 5.0 

Note: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. 

FDIC National Survey of Unbanked and Underbanked Households ■ DECEMBER 2009 75
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table B-7 Banking Status by Household Characteristics: Colorado 

All Households Unbanked

 Has a Bank Account 

Underbanked Not Underbanked

 Underbanked Status 

Unknown 

Household Characteristic 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

All Households 

Race/Ethnicity 

2,000 100.0 138 6.9 307 15.3 1,474 73.7 82 4.1 

Black 127 100.0 28 22.1 28 22.0 68 54.0 2 1.9 

Hispanic non-Black 263 100.0 75 28.4 65 24.7 114 43.4 9 3.5 

White non-Black non-Hispanic 1,528 100.0 29 1.9 204 13.3 1,227 80.3 68 4.5 

Other non-Black non-Hispanic 

Household Type 

83 100.0 6 7.8 10 12.3 64 77.5 2 2.4 

Family household 1,269 100.0 92 7.3 188 14.8 928 73.2 60 4.7 

Married couple 998 100.0 45 4.5 135 13.5 773 77.4 46 4.6 

Female householder, no husband present 174 100.0 36 20.5 34 19.3 97 55.8 8 4.4 

Male householder, no wife present 96 100.0 12 12.1 20 20.7 59 61.1 6 6.1 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

731 100.0 46 6.2 118 16.2 545 74.5 22 3.0 

Less than $15,000 207 100.0 77 37.4 42 20.2 86 41.5 2 0.9 

Between $15,000 and $30,000 271 100.0 26 9.7 69 25.3 166 61.2 10 3.7 

Between $30,000 and $50,000 403 100.0 20 4.9 75 18.5 290 71.8 19 4.7 

Between $50,000 and $75,000 348 100.0 9 2.6 60 17.2 268 76.9 12 3.3 

At least $75,000 621 100.0 NA NA 46 7.4 555 89.4 20 3.2 

Unknown 

Education 

150 100.0 5 3.6 15 10.3 109 73.0 20 13.1 

No high school degree 144 100.0 56 38.8 33 22.6 45 30.9 11 7.7 

High school degree 465 100.0 41 8.7 103 22.1 307 66.1 14 3.1 

Some college 576 100.0 30 5.2 92 15.9 425 73.9 29 5.0 

College degree (four year) 

Age 

815 100.0 11 1.4 80 9.8 696 85.5 27 3.4 

15 to 34 years 504 100.0 69 13.6 110 21.8 309 61.4 16 3.2 

35 to 44 years 380 100.0 29 7.7 79 20.9 259 68.1 13 3.3 

45 to 54 years 427 100.0 21 4.8 59 13.9 327 76.5 20 4.8 

55 to 64 years 354 100.0 9 2.6 37 10.5 289 81.6 19 5.3 

65 years or more 

Homeownership 

335 100.0 10 2.9 21 6.3 290 86.6 14 4.1 

Homeowner 1,401 100.0 30 2.1 138 9.9 1,169 83.4 64 4.5 

Non-homeowner 598 100.0 108 18.0 168 28.1 304 50.8 18 3.1 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to make 

an accurate estimate. 

FDIC National Survey of Unbanked and Underbanked Households ■ DECEMBER 2009 76
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table B-8 Banking Status by Household Characteristics: Connecticut 

All Households Unbanked

 Has a Bank Account 

Underbanked Not Underbanked

 Underbanked Status 

Unknown 

Household Characteristic 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

All Households 

Race/Ethnicity 

1,374 100.0 73 5.3 190 13.8 1,053 76.7 57 4.2 

Black 155 100.0 24 15.8 47 30.7 75 48.5 8 5.0 

Hispanic non-Black 114 100.0 37 32.8 32 27.8 44 38.4 1 1.0 

White non-Black non-Hispanic 1,054 100.0 11 1.1 98 9.3 899 85.4 45 4.2 

Other non-Black non-Hispanic 

Household Type 

51 100.0 * * 12 23.8 35 68.6 4 7.5 

Family household 923 100.0 46 5.0 122 13.2 705 76.3 50 5.4 

Married couple 694 100.0 12 1.7 60 8.7 587 84.6 35 5.0 

Female householder, no husband present 173 100.0 28 16.0 50 29.0 83 47.9 12 7.1 

Male householder, no wife present 56 100.0 7 11.9 12 20.9 35 62.0 3 5.2 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

450 100.0 27 6.0 67 14.9 349 77.4 7 1.6 

Less than $15,000 148 100.0 39 26.1 29 19.4 71 48.2 9 6.3 

Between $15,000 and $30,000 147 100.0 16 10.6 31 21.2 96 65.4 4 2.7 

Between $30,000 and $50,000 174 100.0 5 3.0 20 11.2 147 84.3 3 1.5 

Between $50,000 and $75,000 239 100.0 5 2.0 52 21.9 176 73.6 6 2.5 

At least $75,000 440 100.0 1 0.3 31 6.9 397 90.4 11 2.4 

Unknown 

Education 

226 100.0 8 3.4 27 12.1 166 73.5 25 11.0 

No high school degree 137 100.0 27 19.9 26 18.8 73 53.2 11 8.2 

High school degree 387 100.0 32 8.3 67 17.4 272 70.4 15 3.8 

Some college 321 100.0 11 3.5 53 16.4 246 76.7 11 3.3 

College degree (four year) 

Age 

529 100.0 3 0.5 44 8.3 462 87.3 21 3.9 

15 to 34 years 244 100.0 37 15.3 64 26.1 129 53.0 13 5.5 

35 to 44 years 262 100.0 13 5.1 29 10.9 206 78.7 14 5.3 

45 to 54 years 307 100.0 7 2.3 41 13.4 249 81.0 10 3.3 

55 to 64 years 231 100.0 6 2.5 25 10.9 191 82.7 9 4.0 

65 years or more 

Homeownership 

330 100.0 10 3.0 31 9.4 278 84.4 11 3.2 

Homeowner 985 100.0 6 0.6 82 8.3 855 86.8 42 4.2 

Non-homeowner 389 100.0 67 17.3 108 27.7 198 51.0 15 4.0 

Note: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. 

* There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 77
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table B-9 Banking Status by Household Characteristics: Delaware 

All Households Unbanked

 Has a Bank Account 

Underbanked Not Underbanked

 Underbanked Status 

Unknown 

Household Characteristic 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

All Households 

Race/Ethnicity 

341 100.0 19 5.6 50 14.7 266 77.9 6 1.7 

Black 68 100.0 7 9.5 19 27.5 42 61.8 1 1.2 

Hispanic non-Black 16 100.0 6 33.9 4 25.5 7 40.5 * * 

White non-Black non-Hispanic 244 100.0 7 2.9 26 10.8 206 84.5 4 1.7 

Other non-Black non-Hispanic 

Household Type 

13 100.0 NA NA NA NA NA NA NA NA 

Family household 226 100.0 11 4.8 36 15.9 174 77.0 5 2.2 

Married couple 174 100.0 6 3.3 19 11.0 146 83.8 3 1.9 

Female householder, no husband present 33 100.0 4 11.1 12 35.0 18 52.8 * 1.1 

Male householder, no wife present 19 100.0 1 7.9 5 28.1 11 57.2 1 6.8 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

115 100.0 8 7.2 14 12.4 92 79.7 1 0.7 

Less than $15,000 32 100.0 5 15.2 4 12.9 22 68.8 1 3.2 

Between $15,000 and $30,000 40 100.0 5 13.3 10 24.7 24 59.8 1 2.2 

Between $30,000 and $50,000 64 100.0 2 3.5 15 23.3 47 72.4 1 0.8 

Between $50,000 and $75,000 58 100.0 * 0.7 8 13.7 50 85.0 * 0.6 

At least $75,000 81 100.0 1 1.4 5 6.4 73 91.0 1 1.3 

Unknown 

Education 

66 100.0 5 8.2 8 12.4 51 76.5 2 2.9 

No high school degree 43 100.0 10 22.6 11 26.2 21 48.2 1 3.1 

High school degree 110 100.0 8 6.9 13 11.7 87 78.7 3 2.7 

Some college 87 100.0 2 1.8 19 21.5 66 75.5 1 1.2 

College degree (four year) 

Age 

101 100.0 * 0.5 7 7.3 93 91.9 * 0.4 

15 to 34 years 70 100.0 6 8.9 16 22.9 48 67.6 * 0.6 

35 to 44 years 58 100.0 5 8.6 7 12.5 45 77.7 1 1.3 

45 to 54 years 75 100.0 4 5.2 14 18.6 56 74.5 1 1.7 

55 to 64 years 65 100.0 2 2.9 7 10.7 54 83.8 2 2.6 

65 years or more 

Homeownership 

73 100.0 2 3.0 6 8.2 63 86.5 2 2.3 

Homeowner 256 100.0 4 1.7 29 11.3 219 85.2 5 1.8 

Non-homeowner 85 100.0 15 17.6 21 25.2 47 55.9 1 1.4 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to make 

an accurate estimate. 

* There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 78
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table B-10 Banking Status by Household Characteristics: District of Columbia 

All Households Unbanked

 Has a Bank Account 

Underbanked Not Underbanked

 Underbanked Status 

Unknown 

Household Characteristic 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

All Households 

Race/Ethnicity 

301 100.0 37 12.2 72 23.9 182 60.4 11 3.5 

Black 161 100.0 30 18.4 59 36.4 65 40.0 8 5.1 

Hispanic non-Black 16 100.0 4 26.8 4 23.1 8 46.2 1 4.0 

White non-Black non-Hispanic 115 100.0 2 2.1 9 8.2 101 88.1 2 1.5 

Other non-Black non-Hispanic 

Household Type 

9 100.0 NA NA NA NA NA NA NA NA 

Family household 125 100.0 17 13.7 31 24.6 71 56.9 6 4.8 

Married couple 66 100.0 5 7.3 11 16.5 48 72.9 2 3.3 

Female householder, no husband present 46 100.0 9 19.6 16 34.7 18 39.9 3 5.7 

Male householder, no wife present 14 100.0 3 24.2 4 29.7 5 37.2 1 8.9 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

176 100.0 20 11.1 41 23.4 111 62.9 5 2.6 

Less than $15,000 48 100.0 17 35.9 13 28.0 17 34.9 1 1.1 

Between $15,000 and $30,000 33 100.0 8 22.6 11 33.8 12 37.2 2 6.3 

Between $30,000 and $50,000 51 100.0 3 5.6 15 30.0 30 60.0 2 4.4 

Between $50,000 and $75,000 37 100.0 1 3.8 11 28.2 25 66.8 * 1.2 

At least $75,000 92 100.0 1 1.4 12 13.6 75 81.5 3 3.4 

Unknown 

Education 

40 100.0 6 15.8 9 22.5 23 56.4 2 5.4 

No high school degree 34 100.0 15 44.0 11 32.5 6 17.0 2 6.5 

High school degree 57 100.0 13 23.5 21 36.3 22 38.3 1 1.9 

Some college 56 100.0 7 12.2 17 30.8 29 51.7 3 5.2 

College degree (four year) 

Age 

155 100.0 2 1.0 23 15.0 126 81.1 4 2.9 

15 to 34 years 95 100.0 10 10.6 23 24.3 59 62.5 2 2.6 

35 to 44 years 59 100.0 8 14.3 14 23.2 33 56.8 3 5.7 

45 to 54 years 53 100.0 6 11.7 14 26.7 30 57.8 2 3.8 

55 to 64 years 43 100.0 7 16.2 11 25.1 24 57.4 1 1.3 

65 years or more 

Homeownership 

52 100.0 5 9.6 10 20.0 34 66.0 2 4.4 

Homeowner 143 100.0 5 3.4 30 20.9 102 71.2 6 4.5 

Non-homeowner 159 100.0 32 20.0 42 26.6 80 50.7 4 2.7 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to make 

an accurate estimate. 

FDIC National Survey of Unbanked and Underbanked Households ■ DECEMBER 2009 79
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table B-11 Banking Status by Household Characteristics: Florida 

All Households Unbanked

 Has a Bank Account 

Underbanked Not Underbanked

 Underbanked Status 

Unknown 

Household Characteristic 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

All Households 

Race/Ethnicity 

7,567 100.0 527 7.0 1,270 16.8 5,407 71.4 364 4.8 

Black 1,079 100.0 261 24.2 292 27.1 469 43.4 57 5.3 

Hispanic non-Black 1,222 100.0 104 8.5 250 20.4 813 66.5 56 4.6 

White non-Black non-Hispanic 5,086 100.0 151 3.0 705 13.9 3,993 78.5 238 4.7 

Other non-Black non-Hispanic 

Household Type 

179 100.0 11 6.0 23 12.7 133 74.0 13 7.3 

Family household 4,797 100.0 321 6.7 772 16.1 3,446 71.8 257 5.4 

Married couple 3,631 100.0 121 3.3 444 12.2 2,868 79.0 197 5.4 

Female householder, no husband present 840 100.0 148 17.6 252 30.0 397 47.2 44 5.2 

Male householder, no wife present 326 100.0 52 16.0 76 23.3 181 55.7 16 5.0 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

2,771 100.0 206 7.4 497 18.0 1,961 70.8 107 3.8 

Less than $15,000 1,038 100.0 264 25.5 221 21.3 533 51.3 20 1.9 

Between $15,000 and $30,000 1,115 100.0 127 11.4 246 22.0 723 64.8 19 1.7 

Between $30,000 and $50,000 1,522 100.0 53 3.5 345 22.7 1,072 70.5 52 3.4 

Between $50,000 and $75,000 1,153 100.0 4 0.4 194 16.8 930 80.6 26 2.2 

At least $75,000 1,483 100.0 6 0.4 159 10.7 1,227 82.7 91 6.2 

Unknown 

Education 

1,255 100.0 73 5.8 105 8.3 921 73.4 156 12.5 

No high school degree 838 100.0 164 19.5 170 20.3 468 55.8 36 4.3 

High school degree 2,351 100.0 243 10.4 391 16.6 1,610 68.5 106 4.5 

Some college 2,159 100.0 92 4.3 462 21.4 1,501 69.5 104 4.8 

College degree (four year) 

Age 

2,220 100.0 28 1.3 246 11.1 1,828 82.3 118 5.3 

15 to 34 years 1,397 100.0 220 15.8 322 23.1 807 57.8 47 3.4 

35 to 44 years 1,434 100.0 115 8.0 295 20.6 950 66.2 74 5.2 

45 to 54 years 1,518 100.0 106 7.0 288 18.9 1,034 68.1 91 6.0 

55 to 64 years 1,301 100.0 41 3.1 203 15.6 980 75.3 78 6.0 

65 years or more 

Homeowner 

1,917 100.0 45 2.4 162 8.4 1,635 85.3 74 3.9 

Homeownership 5,384 100.0 137 2.5 738 13.7 4,236 78.7 273 5.1 

Non-homeowner 2,183 100.0 390 17.9 532 24.4 1,171 53.6 91 4.2 

Note: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. 

FDIC National Survey of Unbanked and Underbanked Households ■ DECEMBER 2009 80
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table B-12 Banking Status by Household Characteristics: Georgia 

All Households Unbanked

 Has a Bank Account 

Underbanked Not Underbanked

 Underbanked Status 

Unknown 

Household Characteristic 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

All Households 

Race/Ethnicity 

3,765 100.0 457 12.2 731 19.4 2,439 64.8 137 3.6 

Black 1,194 100.0 265 22.2 340 28.5 554 46.4 34 2.9 

Hispanic non-Black 204 100.0 92 45.1 20 10.0 92 44.9 . . 

White non-Black non-Hispanic 2,233 100.0 93 4.2 353 15.8 1,697 76.0 90 4.0 

Other non-Black non-Hispanic 

Household Type 

133 100.0 7 5.0 18 13.3 97 72.5 12 9.1 

Family household 2,579 100.0 278 10.8 487 18.9 1,711 66.4 103 4.0 

Married couple 1,885 100.0 115 6.1 272 14.4 1,420 75.3 78 4.1 

Female householder, no husband present 497 100.0 146 29.3 150 30.2 191 38.4 10 2.0 

Male householder, no wife present 197 100.0 17 8.7 64 32.6 101 51.1 15 7.6 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

1,186 100.0 179 15.1 245 20.6 728 61.4 34 2.9 

Less than $15,000 553 100.0 218 39.4 114 20.6 218 39.5 3 0.5 

Between $15,000 and $30,000 499 100.0 109 21.8 131 26.2 249 49.8 11 2.1 

Between $30,000 and $50,000 653 100.0 39 5.9 207 31.8 385 59.0 22 3.3 

Between $50,000 and $75,000 491 100.0 4 0.8 112 22.7 369 75.2 6 1.3 

At least $75,000 799 100.0 4 0.5 101 12.6 680 85.0 15 1.9 

Unknown 

Education 

770 100.0 84 10.9 67 8.7 539 70.0 80 10.4 

No high school degree 520 100.0 234 45.0 85 16.4 193 37.1 7 1.4 

High school degree 1,192 100.0 146 12.2 242 20.3 755 63.3 50 4.2 

Some college 1,009 100.0 65 6.4 248 24.5 654 64.8 44 4.3 

College degree (four year) 

Age 

1,044 100.0 13 1.3 157 15.0 838 80.3 36 3.4 

15 to 34 years 957 100.0 162 17.0 248 25.9 502 52.5 44 4.6 

35 to 44 years 793 100.0 74 9.3 148 18.7 539 68.0 32 4.0 

45 to 54 years 801 100.0 111 13.8 155 19.4 512 63.9 23 2.9 

55 to 64 years 642 100.0 77 12.0 103 16.0 451 70.2 11 1.8 

65 years or more 

Homeownership 

572 100.0 34 5.9 77 13.4 435 76.1 27 4.7 

Homeowner 2,580 100.0 138 5.4 388 15.0 1,947 75.4 107 4.2 

Non-homeowner 1,184 100.0 319 26.9 343 29.0 493 41.6 29 2.5 

Note: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. 

FDIC National Survey of Unbanked and Underbanked Households ■ DECEMBER 2009 81
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table B-13 Banking Status by Household Characteristics: Hawaii 

All Households Unbanked

 Has a Bank Account 

Underbanked Not Underbanked

 Underbanked Status 

Unknown 

Household Characteristic 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

All Households 

Race/Ethnicity 

439 100.0 13 2.9 61 13.8 329 75.0 37 8.3 

Black 19 100.0 NA NA NA NA NA NA NA NA 

Hispanic non-Black 23 100.0 * * 6 28.4 13 59.7 3 12.0 

White non-Black non-Hispanic 106 100.0 2 1.7 16 15.1 81 76.2 7 7.0 

Other non-Black non-Hispanic 

Household Type 

291 100.0 11 3.7 31 10.5 224 76.8 26 8.9 

Family household 307 100.0 8 2.7 39 12.8 233 75.7 27 8.9 

Married couple 219 100.0 6 2.8 24 11.1 172 78.3 17 7.8 

Female householder, no husband present 59 100.0 1 2.1 12 19.6 41 69.0 5 9.3 

Male householder, no wife present 29 100.0 1 3.2 3 11.5 20 69.2 5 16.1 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

131 100.0 4 3.3 21 16.3 96 73.3 9 7.1 

Less than $15,000 39 100.0 4 11.3 6 16.1 25 64.1 3 8.5 

Between $15,000 and $30,000 47 100.0 2 4.8 6 13.4 34 72.8 4 9.0 

Between $30,000 and $50,000 92 100.0 4 4.0 16 17.5 66 72.4 6 6.1 

Between $50,000 and $75,000 70 100.0 2 2.3 10 14.2 56 80.0 3 3.6 

At least $75,000 99 100.0 * * 15 15.0 76 77.1 8 7.9 

Unknown 

Education 

92 100.0 1 0.7 7 7.9 71 77.1 13 14.3 

No high school degree 40 100.0 3 7.5 8 19.8 27 67.0 2 5.7 

High school degree 134 100.0 5 3.9 17 12.9 92 69.0 19 14.3 

Some college 143 100.0 4 3.0 25 17.7 103 71.9 10 7.3 

College degree (four year) 

Age 

122 100.0 * * 10 8.3 107 87.9 5 3.9 

15 to 34 years 84 100.0 4 4.2 18 21.3 54 64.3 9 10.2 

35 to 44 years 82 100.0 2 2.4 15 18.4 60 72.5 6 6.7 

45 to 54 years 82 100.0 2 2.9 12 14.6 57 69.8 10 12.6 

55 to 64 years 75 100.0 2 3.0 9 11.8 59 79.1 5 6.2 

65 years or more 

Homeownership 

115 100.0 2 2.0 7 6.0 99 85.5 8 6.5 

Homeowner 265 100.0 2 0.9 21 8.0 217 81.8 25 9.3 

Non-homeowner 174 100.0 10 5.9 39 22.7 112 64.5 12 6.8 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to make 

an accurate estimate. 

* There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 82
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table B-14 Banking Status by Household Characteristics: Idaho 

All Households Unbanked

 Has a Bank Account 

Underbanked Not Underbanked

 Underbanked Status 

Unknown 

Household Characteristic 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

All Households 

Race/Ethnicity 

566 100.0 38 6.7 111 19.7 392 69.3 24 4.2 

Black 9 100.0 NA NA NA NA NA NA NA NA 

Hispanic non-Black 41 100.0 4 9.7 14 33.3 21 51.6 2 5.4 

White non-Black non-Hispanic 496 100.0 31 6.2 91 18.2 356 71.6 20 3.9 

Other non-Black non-Hispanic 

Household Type 

19 100.0 NA NA NA NA NA NA NA NA 

Family household 410 100.0 21 5.2 75 18.4 292 71.2 22 5.3 

Married couple 339 100.0 13 3.8 56 16.6 254 74.9 16 4.6 

Female householder, no husband present 48 100.0 6 12.2 10 20.7 27 56.4 5 10.8 

Male householder, no wife present 23 100.0 NA NA NA NA NA NA NA NA 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

155 100.0 17 10.8 36 23.3 100 64.5 2 1.5 

Less than $15,000 84 100.0 26 30.8 26 30.8 30 35.8 2 2.6 

Between $15,000 and $30,000 117 100.0 7 5.7 23 19.9 84 71.6 3 2.8 

Between $30,000 and $50,000 101 100.0 4 3.6 27 26.3 67 66.0 4 4.1 

Between $50,000 and $75,000 92 100.0 * * 21 23.3 67 72.8 4 3.9 

At least $75,000 94 100.0 1 1.0 7 7.7 83 88.2 3 3.1 

Unknown 

Education 

77 100.0 1 1.4 7 9.1 61 79.1 8 10.4 

No high school degree 57 100.0 10 18.4 15 26.2 30 52.1 2 3.3 

High school degree 175 100.0 16 9.0 34 19.4 117 67.2 8 4.4 

Some college 191 100.0 12 6.2 46 23.9 125 65.5 8 4.4 

College degree (four year) 

Age 

143 100.0 * * 17 11.8 120 83.9 6 4.3 

15 to 34 years 135 100.0 15 11.4 38 28.0 78 57.4 4 3.3 

35 to 44 years 104 100.0 10 10.0 17 16.3 73 70.3 4 3.4 

45 to 54 years 105 100.0 7 6.5 19 17.9 74 69.9 6 5.7 

55 to 64 years 97 100.0 1 1.0 25 26.3 61 63.4 9 9.4 

65 years or more 

Homeownership 

125 100.0 5 3.7 12 10.0 107 85.5 1 0.8 

Homeowner 416 100.0 9 2.2 60 14.3 327 78.6 20 4.9 

Non-homeowner. 149 100.0 29 19.5 52 34.7 65 43.4 4 2.4 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to make 

an accurate estimate 

* There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 83
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table B-15 Banking Status by Household Characteristics: Illinois 

All Households Unbanked

 Has a Bank Account 

Underbanked Not Underbanked

 Underbanked Status 

Unknown 

Household Characteristic 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

All Households 

Race/Ethnicity 

4,911 100.0 304 6.2 773 15.7 3,704 75.4 130 2.7 

Black 745 100.0 182 24.4 209 28.1 326 43.7 29 3.8 

Hispanic non-Black 439 100.0 49 11.2 71 16.1 307 69.9 12 2.8 

White non-Black non-Hispanic 3,497 100.0 70 2.0 457 13.1 2,885 82.5 86 2.5 

Other non-Black non-Hispanic 

Household Type 

230 100.0 4 1.8 36 15.8 186 81.0 3 1.3 

Family household 3,230 100.0 197 6.1 551 17.1 2,406 74.5 76 2.4 

Married couple 2,424 100.0 58 2.4 320 13.2 1,979 81.7 67 2.7 

Female householder, no husband present 573 100.0 112 19.5 177 30.8 278 48.4 7 1.2 

Male householder, no wife present 233 100.0 27 11.6 54 23.1 149 64.0 3 1.2 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

1,681 100.0 108 6.4 222 13.2 1,297 77.2 54 3.2 

Less than $15,000 567 100.0 153 27.0 127 22.3 277 48.8 11 1.9 

Between $15,000 and $30,000 643 100.0 65 10.1 151 23.5 419 65.2 8 1.2 

Between $30,000 and $50,000 770 100.0 21 2.7 171 22.2 560 72.8 18 2.3 

Between $50,000 and $75,000 752 100.0 4 0.5 110 14.7 628 83.5 10 1.4 

At least $75,000 1,200 100.0 * * 98 8.1 1,085 90.5 17 1.4 

Unknown 

Education 

979 100.0 62 6.3 117 11.9 734 74.9 67 6.8 

No high school degree 505 100.0 103 20.3 78 15.5 308 60.9 16 3.2 

High school degree 1,350 100.0 112 8.3 270 20.0 943 69.9 25 1.8 

Some college 1,380 100.0 78 5.6 264 19.1 1,000 72.5 39 2.8 

College degree (four year) 

Age 

1,676 100.0 12 0.7 161 9.6 1,452 86.6 51 3.0 

15 to 34 years 1,078 100.0 107 10.0 233 21.6 700 64.9 38 3.5 

35 to 44 years 1,060 100.0 56 5.2 181 17.0 800 75.4 25 2.3 

45 to 54 years 1,019 100.0 59 5.8 183 17.9 746 73.2 32 3.1 

55 to 64 years 799 100.0 41 5.2 97 12.2 644 80.6 17 2.1 

65 years or more 

Homeownership 

956 100.0 42 4.4 80 8.3 815 85.3 20 2.1 

Homeowner 3,361 100.0 52 1.5 400 11.9 2,819 83.9 91 2.7 

Non-homeowner 1,550 100.0 252 16.3 373 24.1 885 57.1 40 2.6 

Note: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. 

* There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 84
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table B-16 Banking Status by Household Characteristics: Indiana 

All Households Unbanked

 Has a Bank Account 

Underbanked Not Underbanked

 Underbanked Status 

Unknown 

Household Characteristic 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

All Households 

Race/Ethnicity 

2,445 100.0 180 7.4 410 16.8 1,786 73.1 69 2.8 

Black 222 100.0 74 33.2 67 30.4 77 34.7 4 1.7 

Hispanic non-Black 55 100.0 NA NA NA NA NA NA NA NA 

White non-Black non-Hispanic 2,124 100.0 96 4.5 308 14.5 1,662 78.2 58 2.7 

Other non-Black non-Hispanic 

Household Type 

44 100.0 NA NA NA NA NA NA NA NA 

Family household 1,685 100.0 110 6.5 306 18.1 1,221 72.4 49 2.9 

Married couple 1,257 100.0 25 2.0 166 13.2 1,030 82.0 35 2.8 

Female householder, no husband present 298 100.0 61 20.5 98 32.9 132 44.3 7 2.3 

Male householder, no wife present 131 100.0 23 17.8 42 32.0 58 44.6 7 5.6 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

760 100.0 70 9.2 104 13.7 566 74.4 20 2.6 

Less than $15,000 319 100.0 99 31.0 77 24.0 137 42.9 7 2.1 

Between $15,000 and $30,000 355 100.0 42 11.7 92 25.9 218 61.5 3 0.9 

Between $30,000 and $50,000 389 100.0 7 1.7 83 21.3 284 73.0 15 4.0 

Between $50,000 and $75,000 364 100.0 * * 78 21.4 272 74.8 14 3.8 

At least $75,000 409 100.0 4 0.9 26 6.4 373 91.1 7 1.7 

Unknown 

Education 

610 100.0 29 4.7 54 8.9 503 82.5 23 3.8 

No high school degree 271 100.0 37 13.6 66 24.4 154 56.8 14 5.2 

High school degree 958 100.0 97 10.1 168 17.6 663 69.2 30 3.1 

Some college 704 100.0 34 4.9 150 21.4 500 71.1 19 2.7 

College degree (four year) 

Age 

513 100.0 11 2.2 25 4.9 470 91.5 7 1.3 

15 to 34 years 481 100.0 89 18.6 80 16.6 305 63.5 7 1.4 

35 to 44 years 496 100.0 29 5.9 96 19.4 335 67.6 35 7.2 

45 to 54 years 507 100.0 34 6.7 97 19.2 365 72.0 11 2.2 

55 to 64 years 413 100.0 11 2.7 68 16.4 328 79.5 6 1.4 

65 years or more 

Homeownership 

548 100.0 16 2.9 69 12.6 453 82.6 11 1.9 

Homeowner 1,749 100.0 27 1.5 203 11.6 1,461 83.5 59 3.4 

Non-homeowner 697 100.0 153 22.0 207 29.7 326 46.8 11 1.5 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to make 

an accurate estimate. 

* There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 85
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table B-17 Banking Status by Household Characteristics: Iowa 

All Households Unbanked

 Has a Bank Account 

Underbanked Not Underbanked 

Underbanked Status 

Unknown 

Household Characteristic 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

All Households 

Race/Ethnicity 

1,1229 100.0 57 4.7 206 16.8 941 76.6 25 2.0 

Black 31 100.0 NA NA NA NA NA NA NA NA 

Hispanic non-Black 34 100.0 NA NA NA NA NA NA NA NA 

White non-Black non-Hispanic 1,126 100.0 38 3.3 193 17.1 874 77.7 21 1.9 

Other non-Black non-Hispanic 

Household Type 

38 100.0 NA NA NA NA NA NA NA NA 

Family household 84 100.0 32 3.8 144 17.2 647 77.0 17 2.0 

Married couple 696 100.0 13 1.9 105 15.1 563 80.8 16 2.3 

Female householder, no husband present 106 100.0 15 13.9 30 28.6 60 56.5 1 1.1 

Male householder, no wife present 38 100.0 NA NA NA NA NA NA NA NA 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

389 100.0 25 6.5 62 15.9 294 75.6 8 2.0 

Less than $15,000 143 100.0 32 22.3 23 16.1 85 59.1 4 2.5 

Between $15,000 and $30,000 197 100.0 9 4.7 51 26.1 130 66.1 6 3.2 

Between $30,000 and $50,000 265 100.0 4 1.5 52 19.6 204 76.9 6 2.1 

Between $50,000 and $75,000 211 100.0 3 1.4 33 15.9 172 81.8 2 1.0 

At least $75,000 299 100.0 * * 34 11.3 262 87.8 3 1.0 

Unknown 

Education 

114 100.0 9 8.3 13 11.3 88 76.8 4 3.6 

No high school degree 114 100.0 21 18.0 26 22.7 68 59.3 . . 

High school degree 407 100.0 22 5.5 84 20.6 286 70.4 14 3.6 

Some college 394 100.0 13 3.4 74 18.6 300 76.0 8 2.0 

College degree (four year) 

Age 

314 100.0 1 0.4 23 7.4 287 91.5 2 0.8 

15 to 34 years 262 100.0 23 8.8 59 22.3 174 66.4 6 2.4 

35 to 44 years 224 100.0 16 7.3 43 19.0 163 72.8 2 1.0 

45 to 54 years 262 100.0 10 3.8 55 20.9 193 73.8 4 1.5 

55 to 64 years 218 100.0 8 3.7 29 13.5 176 80.4 5 2.4 

65 years or more 

Homeownership 

263 100.0 * * 21 8.0 235 89.4 7 2.6 

Homeowner 896 100.0 8 0.9 125 13.9 743 83.0 20 2.2 

Non-homeowner 333 100.0 50 14.9 81 24.4 198 59.3 5 1.4 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to make 

an accurate estimate. 

* There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 86
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table B-18 Banking Status by Household Characteristics: Kansas 

All Households Unbanked

 Has a Bank Account 

Underbanked Not Underbanked

 Underbanked Status 

Unknown 

Household Characteristic 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

All Households 

Race/Ethnicity 

1,147 100.0 73 6.4 200 17.4 843 73.5 31 2.7 

Black 67 100.0 9 13.6 26 38.4 30 45.1 2 2.9 

Hispanic non-Black 68 100.0 19 27.9 19 28.3 25 37.0 5 6.7 

White non-Black non-Hispanic 952 100.0 37 3.8 138 14.5 754 79.3 23 2.4 

Other non-Black non-Hispanic 

Household Type 

60 100.0 9 14.6 17 28.4 33 54.6 1 2.4 

Family household 726 100.0 33 4.5 126 17.4 545 75.1 22 3.0 

Married couple 572 100.0 18 3.1 88 15.4 453 79.2 14 2.4 

Female householder, no husband present 117 100.0 12 10.1 27 22.7 71 60.2 8 7.1 

Male householder, no wife present 37 100.0 NA NA NA NA NA NA NA NA 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

420 100.0 41 9.7 73 17.4 297 70.7 9 2.2 

Less than $15,000 184 100.0 37 19.9 41 22.2 103 56.1 3 1.8 

Between $15,000 and $30,000 201 100.0 18 9.1 43 21.5 133 66.1 7 3.3 

Between $30,000 and $50,000 250 100.0 10 4.2 59 23.6 170 67.9 11 4.3 

Between $50,000 and $75,000 175 100.0 2 0.9 20 11.4 154 87.7 . . 

At least $75,000 235 100.0 * * 28 11.8 203 86.4 4 1.9 

Unknown 

Education 

102 100.0 6 6.4 9 8.7 80 79.0 6 5.9 

No high school degree 101 100.0 28 27.8 23 22.5 47 46.4 3 3.2 

High school degree 337 100.0 24 7.1 69 20.5 232 68.7 12 3.7 

Some college 377 100.0 20 5.3 78 20.6 274 72.7 5 1.3 

College degree (four year) 

Age 

332 100.0 2 0.5 30 9.0 290 87.4 10 3.2 

15 to 34 years 285 100.0 42 14.6 52 18.2 183 64.4 8 2.8 

35 to 44 years 178 100.0 9 5.2 30 16.7 133 74.5 6 3.5 

45 to 54 years 257 100.0 16 6.2 54 21.2 180 70.2 6 2.4 

55 to 64 years 196 100.0 4 1.9 40 20.6 147 75.1 5 2.4 

65 years or more 

Homeownership 

231 100.0 3 1.2 23 10.0 199 86.2 6 2.6 

Homeowner 763 100.0 9 1.2 108 14.1 625 82.0 20 2.7 

Non-homeowner 384 100.0 64 16.7 92 23.9 217 56.5 11 2.8 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to make 

an accurate estimate. 

* There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 87
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table B-19 Banking Status by Household Characteristics: Kentucky 

All Households Unbanked

 Has a Bank Account 

Underbanked Not Underbanked

 Underbanked Status 

Unknown 

Household Characteristic 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number Pct of Row 

(1000s) Total 

All Households 

Race/Ethnicity 

1,754 100.0 208 11.9 415 23.7 1,099 62.7 31 1.8 

Black 115 100.0 26 22.7 49 42.9 39 34.1 . . 

Hispanic non-Blac 21 100.0 NA NA NA NA NA NA NA NA 

White non-Black non-Hispanic 1,588 100.0 175 11.0 357 22.5 1,024 64.5 31 2.0 

Other non-Black non-Hispanic 

Household Type 

31 100.0 NA NA NA NA NA NA NA NA 

Family household 1,164 100.0 130 11.1 270 23.2 739 63.5 25 2.2 

Married couple 905 100.0 58 6.5 178 19.7 650 71.8 18 2.0 

Female householder, no husband present 193 100.0 54 28.3 72 37.3 62 32.1 4 2.3 

Male householder, no wife present 66 100.0 NA NA NA NA NA NA NA NA 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

590 100.0 79 13.4 145 24.6 360 61.0 6 1.0 

Less than $15,000 346 100.0 115 33.1 106 30.7 123 35.6 2 0.6 

Between $15,000 and $30,000 305 100.0 45 14.6 70 23.0 184 60.2 7 2.2 

Between $30,000 and $50,000 301 100.0 14 4.7 105 34.8 182 60.5 . . 

Between $50,000 and $75,000 280 100.0 4 1.6 64 23.0 209 74.5 2 0.9 

At least $75,000 304 100.0 * * 41 13.4 257 84.5 6 2.1 

Unknown 

Education 

217 100.0 31 14.0 29 13.2 145 66.5 14 6.3 

No high school degree 292 100.0 86 29.4 65 22.2 130 44.6 11 3.8 

High school degree 617 100.0 75 12.1 150 24.4 383 62.2 8 1.4 

Some college 502 100.0 40 8.0 146 29.0 314 62.5 3 0.5 

College degree (four year) 

Age 

344 100.0 8 2.3 54 15.8 272 79.2 9 2.7 

15 to 34 years 364 100.0 65 17.8 120 32.9 179 49.3 . . 

35 to 44 years 312 100.0 41 13.1 71 22.9 192 61.6 8 2.5 

45 to 54 years 404 100.0 47 11.5 109 27.0 240 59.5 8 1.9 

55 to 64 years 303 100.0 35 11.5 64 21.1 201 66.4 3 1.1 

65 years or more 

Homeownership 

371 100.0 21 5.8 51 13.8 286 77.1 12 3.3 

Homeowner 1,280 100.0 80 6.2 242 18.9 930 72.6 29 2.3 

Non-homeowner 473 100.0 129 27.2 173 36.6 169 35.8 2 0.4 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to make 

an accurate estimate. 

* There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 88
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table B-20 Banking Status by Household Characteristics: Louisiana 

All Households Unbanked

 Has a Bank Account 

Underbanked Not Underbanked

 Underbanked Status 

Unknown 

Household Characteristic 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

All Households 

Race/Ethnicity 

1,769 100.0 155 8.7 405 22.9 1,160 65.6 50 2.8 

Black 534 100.0 99 18.5 196 36.7 232 43.5 7 1.3 

Hispanic non-Black 43 100.0 NA NA NA NA NA NA NA NA 

White non-Black non-Hispanic 1,164 100.0 39 3.4 202 17.4 880 75.6 43 3.7 

Other non-Black non-Hispanic 

Household Type 

28 100.0 NA NA NA NA NA NA NA NA 

Family household 1,195 100.0 106 8.9 274 22.9 778 65.1 37 3.1 

Married couple 816 100.0 17 2.1 158 19.3 613 75.1 29 3.5 

Female householder, no husband present 275 100.0 61 22.3 86 31.3 119 43.2 9 3.2 

Male householder, no wife present 104 100.0 NA NA NA NA NA NA NA NA 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

575 100.0 49 8.5 131 22.8 382 66.6 12 2.1 

Less than $15,000 293 100.0 84 28.8 84 28.6 118 40.2 7 2.4 

Between $15,000 and $30,000 233 100.0 23 10.0 71 30.6 136 58.3 2 1.0 

Between $30,000 and $50,000 312 100.0 9 2.9 103 32.9 200 64.1 . . 

Between $50,000 and $75,000 302 100.0 6 2.1 52 17.3 234 77.3 10 3.3 

At least $75,000 346 100.0 4 1.0 57 16.5 272 78.9 12 3.6 

Unknown 

Education 

284 100.0 28 9.7 38 13.2 200 70.6 18 6.4 

No high school degree 255 100.0 67 26.3 77 30.3 104 40.6 7 2.7 

High school degree 609 100.0 64 10.6 134 22.0 379 62.2 32 5.2 

Some college 451 100.0 19 4.1 124 27.5 304 67.4 5 1.0 

College degree (four year) 

Age 

454 100.0 5 1.0 69 15.3 374 82.4 6 1.3 

15 to 34 years 386 100.0 44 11.4 101 26.2 232 60.0 9 2.3 

35 to 44 years 377 100.0 49 13.0 101 26.7 213 56.6 14 3.8 

45 to 54 years 324 100.0 22 6.9 85 26.3 210 64.8 7 2.0 

55 to 64 years 310 100.0 21 6.7 69 22.4 217 70.1 3 0.9 

65 years or more 

Homeownership 

373 100.0 19 5.0 49 13.0 288 77.3 17 4.6 

Homeowner 1,299 100.0 56 4.3 236 18.2 957 73.7 50 3.8 

Non-homeowner 471 100.0 99 21.1 168 35.8 203 43.1 . . 

Notes: Figures do not always reconcile to totals due to the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to make an 

accurate estimate. 

FDIC National Survey of Unbanked and Underbanked Households ■ DECEMBER 2009 89
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table B-21 Banking Status by Household Characteristics: Maine 

All Households Unbanked

 Has a Bank Account 

Underbanked Not Underbanked

 Underbanked Status 

Unknown 

Household Characteristic 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

All Households 

Race/Ethnicity 

550 100.0 14 2.6 99 18.0 420 76.4 16 3.0 

Black 5 100.0 NA NA NA NA NA NA NA NA 

Hispanic non-Black 5 100.0 NA NA NA NA NA NA NA NA 

White non-Black non-Hispanic 529 100.0 13 2.5 94 17.7 407 76.9 15 2.9 

Other non-Black non-Hispanic 

Household Type 

11 100.0 NA NA NA NA NA NA NA NA 

Family household 360 100.0 8 2.2 66 18.2 276 76.7 10 2.9 

Married couple 281 100.0 3 1.0 40 14.4 230 81.8 8 2.9 

Female householder, no husband present 56 100.0 4 7.8 17 30.2 33 58.9 2 3.1 

Male householder, no wife present 23 100.0 1 2.7 8 36.4 13 58.4 1 2.5 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

190 100.0 6 3.4 33 17.5 144 75.9 6 3.2 

Less than $15,000 82 100.0 9 10.9 19 23.0 53 64.6 1 1.5 

Between $15,000 and $30,000 103 100.0 4 4.2 24 23.5 73 71.2 1 1.0 

Between $30,000 and $50,000 114 100.0 * * 22 19.4 89 78.1 3 2.6 

Between $50,000 and $75,000 99 100.0 * * 18 18.7 79 80.0 1 1.2 

At least $75,000 113 100.0 * * 10 8.6 99 87.5 4 3.9 

Unknown 

Education 

40 100.0 1 2.6 6 14.3 28 69.2 6 13.9 

No high school degree 56 100.0 6 10.0 10 18.5 38 67.7 2 3.8 

High school degree 186 100.0 7 3.8 38 20.4 137 73.7 4 2.1 

Some college 172 100.0 1 0.6 36 21.1 128 74.7 6 3.6 

College degree (four year) 

Age 

135 100.0 1 0.4 14 10.5 116 86.0 4 3.1 

15 to 34 years 90 100.0 5 5.1 25 27.4 57 63.5 4 4.0 

35 to 44 years 100 100.0 2 1.8 23 22.6 73 73.4 2 2.3 

45 to 54 years 125 100.0 2 1.7 21 17.1 97 77.4 5 3.7 

55 to 64 years 105 100.0 3 2.9 22 21.1 79 74.6 2 1.5 

65 years or more 

Homeownership 

130 100.0 3 2.1 8 6.2 115 88.3 4 3.3 

Homeowner 407 100.0 4 1.0 57 14.1 334 82.2 11 2.6 

Non-homeowner 143 100.0 10 7.0 41 28.9 86 60.1 6 4.0 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to make 

an accurate estimate. 

* There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 90
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table B-22 Banking Status by Household Characteristics: Maryland 

 Has a Bank Account 

 Underbanked Status 

All Households Unbanked Underbanked Not Underbanked Unknown 

Pct of Pct of Pct of Pct of 

Number Row Number Row Number Row Number Row Number Pct of Row 

Household Characteristic (1000s) Total (1000s) Total (1000s) Total (1000s) Total (1000s) Total 

All Households 2,169 100.0 121 5.6 434 20.0 1,539 71.0 75 3.5 

Race/Ethnicity 

Black 674 100.0 78 11.6 244 36.3 338 50.1 14 2.1 

Hispanic non-Black 121 100.0 24 20.2 21 17.1 63 52.4 12 10.3 

White non-Black non-Hispanic 1,261 100.0 19 1.5 159 12.6 1,043 82.7 40 3.2 

Other non-Black non-Hispanic 113 100.0 * * 9 8.1 95 84.3 9 7.6 

Household Type 

Family household 1,448 100.0 74 5.1 280 19.4 1,042 72.0 51 3.5 

Married couple 1,060 100.0 28 2.6 166 15.6 831 78.4 35 3.3 

Female householder, no husband present 293 100.0 37 12.6 88 29.9 155 52.7 14 4.8 

Male householder, no wife present 94 100.0 9 9.8 27 28.6 56 60.2 1 1.4 

Nonfamily household and other 721 100.0 47 6.5 153 21.2 497 68.9 24 3.3 

Household Income (Primary Family or 

Individual) 

Less than $15,000 177 100.0 48 27.0 40 22.9 82 46.2 7 4.0 

Between $15,000 and $30,000 196 100.0 24 12.5 69 35.2 98 50.4 4 1.9 

Between $30,000 and $50,000 330 100.0 22 6.6 100 30.4 204 61.8 4 1.2 

Between $50,000 and $75,000 372 100.0 10 2.6 80 21.5 281 75.3 2 0.6 

At least $75,000 785 100.0 * * 107 13.6 654 83.3 24 3.1 

Unknown 309 100.0 17 5.6 37 12.1 221 71.3 34 11.0 

Education 

No high school degree 201 100.0 45 22.7 54 27.0 90 44.7 11 5.7 

High school degree 533 100.0 39 7.4 139 26.0 327 61.2 29 5.4 

Some college 540 100.0 29 5.3 128 23.7 374 69.2 10 1.8 

College degree (four year) 895 100.0 8 0.8 113 12.6 749 83.7 25 2.8 

Age 

15 to 34 years 430 100.0 34 7.9 129 30.0 250 58.1 17 3.9 

35 to 44 years 423 100.0 28 6.7 96 22.6 283 67.0 15 3.7 

45 to 54 years 506 100.0 28 5.6 107 21.1 353 69.7 18 3.5 

55 to 64 years 368 100.0 18 4.8 73 19.9 269 73.1 8 2.2 

65 years or more 442 100.0 13 2.8 29 6.5 384 86.9 17 3.8 

Homeownership 

Homeowner 1,535 100.0 33 2.1 232 15.1 1,226 79.9 45 2.9 

Non-homeowner 634 100.0 89 14.0 202 31.9 313 49.4 30 4.8 

Note: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. 

* There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 91
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table B-23 Banking Status by Household Characteristics: Massachusetts 

All Households Unbanked

 Has a Bank Account 

Underbanked Not Underbanked

 Underbanked Status 

Unknown 

Household Characteristic 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

All Households 

Race/Ethnicity 

2,637 100.0 108 4.1 302 11.4 2,132 80.9 95 3.6 

Black 179 100.0 30 16.6 22 12.3 122 68.4 5 2.7 

Hispanic non-Black 145 100.0 22 14.8 28 19.5 84 57.8 11 7.9 

White non-Black non-Hispanic 2,176 100.0 53 2.4 239 11.0 1,828 84.0 57 2.6 

Other non-Black non-Hispanic 

Household Type 

137 100.0 4 3.2 12 9.1 98 71.5 22 16.2 

Family household 1,666 100.0 56 3.3 207 12.4 1,342 80.6 62 3.7 

Married couple 1,256 100.0 13 1.0 134 10.7 1,068 85.0 41 3.3 

Female householder, no husband present 296 100.0 36 12.2 45 15.1 204 68.7 12 3.9 

Male householder, no wife present 114 100.0 NA NA NA NA NA NA NA NA 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

971 100.0 53 5.4 95 9.8 790 81.4 33 3.4 

Less than $15,000 268 100.0 66 24.8 48 18.1 149 55.8 4 1.3 

Between $15,000 and $30,000 300 100.0 17 5.7 35 11.7 244 81.4 4 1.2 

Between $30,000 and $50,000 384 100.0 9 2.2 57 15.0 310 80.9 7 1.9 

Between $50,000 and $75,000 412 100.0 5 1.2 64 15.5 340 82.4 4 0.9 

At least $75,000 751 100.0 * * 59 7.9 669 89.1 23 3.0 

Unknown 

Education 

523 100.0 11 2.2 37 7.1 420 80.4 54 10.3 

No high school degree 216 100.0 41 18.8 34 15.5 134 62.1 8 3.5 

High school degree 716 100.0 47 6.6 107 14.9 541 75.6 21 2.9 

Some college 572 100.0 17 2.9 91 15.9 428 74.9 36 6.3 

College degree (four year) 

Age 

1,132 100.0 4 0.3 70 6.2 1,028 90.8 31 2.7 

15 to 34 years 548 100.0 26 4.8 69 12.6 437 79.7 16 3.0 

35 to 44 years 513 100.0 41 8.0 62 12.1 391 76.2 19 3.7 

45 to 54 years 581 100.0 19 3.3 81 14.0 455 78.3 26 4.5 

55 to 64 years 407 100.0 15 3.7 39 9.6 345 84.6 9 2.1 

65 years or more 

Homeownership 

588 100.0 7 1.2 51 8.6 505 85.9 25 4.3 

Homeowner 1,727 100.0 3 0.2 171 9.9 1,481 85.8 72 4.2 

Non-homeowner 911 100.0 105 11.5 131 14.4 651 71.5 23 2.5 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to make 

an accurate estimate. 

* There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 92
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table B-24 Banking Status by Household Characteristics: Michigan 

All Households Unbanked

 Has a Bank Account 

Underbanked Not Underbanked 

Underbanked Status 

Unknown 

Household Characteristic 

Number 

(1000s) 

Pct of 

Row 

Tota 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

All Households 

Race/Ethnicity 

3,938 100.0 265 6.7 658 16.7 2,825 71.7 190 4.8 

Black 560 100.0 136 24.3 196 35.0 202 36.0 27 4.8 

Hispanic non-Black 83 100.0 NA NA NA NA NA NA NA NA 

White non-Black non-Hispanic 3,171 100.0 119 3.8 439 13.9 2,464 77.7 148 4.7 

Other non-Black non-Hispanic 

Household Type 

124 100.0 * * 4 3.0 117 94.0 4 3.1 

Family household 2,729 100.0 158 5.8 444 16.3 1,980 72.6 147 5.4 

Married couple 2,054 100.0 22 1.1 292 14.2 1,635 79.6 105 5.1 

Female householder, no husband present 491 100.0 106 21.6 87 17.7 258 52.6 40 8.1 

Male householder, no wife present 183 100.0 29 15.9 65 35.4 86 47.0 3 1.6 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

1,210 100.0 107 8.8 214 17.7 846 69.9 43 3.6 

Less than $15,000 465 100.0 119 25.6 120 25.9 200 43.1 25 5.4 

Between $15,000 and $30,000 596 100.0 66 11.1 109 18.2 388 65.0 34 5.7 

Between $30,000 and $50,000 701 100.0 13 1.9 123 17.6 548 78.2 17 2.4 

Between $50,000 and $75,000 638 100.0 4 0.6 78 12.2 543 85.1 13 2.1 

At least $75,000 718 100.0 * * 94 13.1 598 83.4 25 3.5 

Unknown 

Education 

820 100.0 62 7.6 134 16.3 548 66.8 76 9.3 

No high school degree 341 100.0 74 21.6 69 20.2 171 50.1 28 8.1 

High school degree 1,352 100.0 114 8.4 300 22.2 874 64.7 63 4.7 

Some college 1,134 100.0 62 5.4 166 14.7 856 75.5 50 4.4 

College degree (four year) 

Age 

15 to 34 years 

1,112 100.0 15 1.4 122 11.0 924 83.1 50 4.5 

35 to 44 years 753 100.0 69 9.2 141 18.7 508 67.5 35 4.6 

45 to 54 years 858 100.0 42 4.9 170 19.8 601 70.0 45 5.2 

55 to 64 years 740 100.0 31 4.2 103 13.8 566 76.5 40 5.4 

65 years or more 

Homeownership 

843 100.0 26 3.1 101 12.0 674 80.0 42 5.0 

Homeowner 2,940 100.0 50 1.7 395 13.4 2,338 79.5 156 5.3 

Non-homeowner 998 100.0 214 21.5 263 26.3 488 48.8 34 3.4 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to make 

an accurate estimate. 

* There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 93
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table B-25 Banking Status by Household Characteristics: Minnesota 

All Households Unbanked

 Has a Bank Account 

Underbanked Not Underbanked

 Underbanked Status 

Unknown 

Household Characteristic 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

All Households 

Race/Ethnicity 

2,131 100.0 56 2.6 236 11.1 1,791 84.1 47 2.2 

Black 102 100.0 24 23.3 23 22.8 55 53.9 . . 

Hispanic non-Black 50 100.0 NA NA NA NA NA NA NA NA 

White non-Black non-Hispanic 1,902 100.0 25 1.3 202 10.6 1,631 85.8 44 2.3 

Other non-Black non-Hispanic 

Household Type 

77 100.0 4 5.0 5 6.1 69 89.0 . . 

Family household 1,326 100.0 28 2.1 138 10.4 1,124 84.8 36 2.7 

Married coupl 1,091 100.0 7 0.6 88 8.1 969 88.8 27 2.4 

Female householder, no husband present 174 100.0 21 12.0 37 21.2 115 65.8 2 1.0 

Male householder, no wife present 61 100.0 * * 13 21.3 41 66.6 7 12.1 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

804 100.0 28 3.5 97 12.1 667 82.9 12 1.5 

Less than $15,000 215 100.0 28 12.9 50 23.2 136 62.9 2 0.9 

Between $15,000 and $30,000 321 100.0 21 6.4 40 12.4 255 79.3 6 1.9 

Between $30,000 and $50,000 355 100.0 * * 40 11.4 302 85.1 12 3.5 

Between $50,000 and $75,000 401 100.0 * * 42 10.6 349 87.0 10 2.4 

At least $75,000 613 100.0 3 0.4 31 5.1 569 92.9 9 1.5 

Unknown 

Education 

226 100.0 5 2.2 32 14.0 181 80.3 8 3.5 

No high school degree 151 100.0 20 13.2 29 19.2 95 63.2 7 4.4 

High school degree 538 100.0 27 5.1 78 14.5 422 78.4 11 2.0 

Some college 705 100.0 9 1.3 91 12.9 594 84.2 12 1.6 

College degree (four year) 

Age 

737 100.0 * * 38 5.2 681 92.4 18 2.5 

15 to 34 years 524 100.0 23 4.4 84 16.1 397 75.7 20 3.7 

35 to 44 years 375 100.0 13 3.6 56 15.0 297 79.1 9 2.3 

45 to 54 years 445 100.0 12 2.8 57 12.7 368 82.6 8 1.9 

55 to 64 years 348 100.0 7 2.0 22 6.4 311 89.5 7 2.1 

65 years or more 

Homeownership 

438 100.0 * * 16 3.6 419 95.5 4 0.8 

Homeowner 1,555 100.0 11 0.7 118 7.6 1,392 89.5 34 2.2 

Non-homeowner 575 100.0 45 7.9 118 20.4 399 69.4 14 2.3 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to make 

an accurate estimate. 

* There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 94
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table B-26 Banking Status by Household Characteristics: Mississippi 

All Households Unbanked

 Has a Bank Account 

Underbanked Not Underbanked

 Underbanked Status 

Unknown 

Household Characteristic 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

All Households 

Race/Ethnicity 

1,118 100.0 184 16.4 282 25.2 616 55.1 37 3.3 

Black 393 100.0 132 33.6 130 33.2 118 29.9 13 3.3 

Hispanic non-Black 20 100.0 NA NA NA NA NA NA NA NA 

White non-Black non-Hispanic 699 100.0 41 5.8 151 21.7 483 69.1 24 3.5 

Other non-Black non-Hispanic 

Household Type 

6 100.0 NA NA NA NA NA NA NA NA 

Family household 773 100.0 101 13.1 208 26.9 430 55.6 35 4.5 

Married couple 560 100.0 42 7.4 131 23.5 360 64.3 27 4.8 

Female householder, no husband present 156 100.0 49 31.4 57 36.6 45 28.6 5 3.5 

Male householder, no wife present 57 100.0 NA NA NA NA NA NA NA NA 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

345 100.0 82 23.9 74 21.5 186 53.9 3 0.7 

Less than $15,000 253 100.0 112 44.3 73 29.0 68 26.7 . . 

Between $15,000 and $30,000 234 100.0 47 20.0 65 27.8 115 49.2 7 3.0 

Between $30,000 and $50,000 183 100.0 8 4.3 54 29.6 113 61.8 8 4.3 

Between $50,000 and $75,000 131 100.0 2 1.3 44 33.5 77 58.7 9 6.6 

At least $75,000 158 100.0 * * 22 13.6 132 83.7 4 2.6 

Unknown 

Education 

159 100.0 15 9.4 24 15.0 111 69.5 10 6.0 

No high school degree 258 100.0 97 37.7 58 22.5 98 38.1 5 1.8 

High school degree 333 100.0 59 17.8 93 28.0 165 49.4 16 4.8 

Some college 264 100.0 23 8.7 86 32.5 149 56.3 7 2.5 

College degree (four year) 

Age 

263 100.0 4 1.6 45 17.1 204 77.5 10 3.8 

15 to 34 years 216 100.0 41 18.9 80 37.0 84 38.9 11 5.2 

35 to 44 years 209 100.0 34 16.2 57 27.1 119 56.7 . . 

45 to 54 years 235 100.0 47 19.9 59 25.1 122 51.7 8 3.3 

55 to 64 years 215 100.0 37 17.4 51 23.7 113 52.5 14 6.5 

65 years or more 

Homeownership 

243 100.0 25 10.2 35 14.5 179 73.5 5 1.9 

Homeowner 852 100.0 95 11.2 183 21.4 544 63.9 30 3.5 

Non-homeowner 267 100.0 88 33.1 99 37.2 72 26.8 8 2.9 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to make 

an accurate estimate. 

* There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 95
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table B-27 Banking Status by Household Characteristics: Missouri 

All Households Unbanked

 Has a Bank Account 

Underbanked Not Underbanked

 Underbanked Status 

Unknown 

Household Characteristic 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

All Households 

Race/Ethnicity 

2,473 100.0 204 8.2 478 19.3 1,707 69.0 84 3.4 

Black 318 100.0 93 29.2 105 33.0 113 35.5 7 2.3 

Hispanic non-Black 49 100.0 NA NA NA NA NA NA NA NA 

White non-Black non-Hispanic 2,060 100.0 92 4.5 348 16.9 1,543 74.9 77 3.7 

Other non-Black non-Hispanic 

Household Type 

46 100.0 NA NA NA NA NA NA NA NA 

Family household 1,630 100.0 102 6.3 299 18.4 1,171 71.9 57 3.5 

Married couple 1,240 100.0 38 3.1 196 15.8 965 77.8 40 3.3 

Female householder, no husband present 282 100.0 40 14.3 85 30.0 153 54.4 4 1.2 

Male householder, no wife present 108 100.0 24 22.1 18 16.8 53 48.9 13 12.2 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

843 100.0 101 12.0 179 21.2 536 63.6 27 3.2 

Less than $15,000 371 100.0 132 35.6 79 21.2 152 41.0 8 2.1 

Between $15,000 and $30,000 413 100.0 35 8.4 108 26.0 265 64.2 6 1.4 

Between $30,000 and $50,000 522 100.0 16 3.1 133 25.5 353 67.5 21 3.9 

Between $50,000 and $75,000 373 100.0 12 3.1 74 19.8 279 74.8 8 2.2 

At least $75,000 463 100.0 * * 48 10.3 390 84.3 25 5.4 

Unknown 

Education 

330 100.0 9 2.8 37 11.2 268 81.1 16 4.9 

No high school degree 274 100.0 69 25.1 55 20.0 145 52.8 6 2.2 

High school degree 828 100.0 96 11.6 182 22.0 524 63.2 27 3.2 

Some college 703 100.0 26 3.6 166 23.7 490 69.7 21 3.0 

College degree (four year) 

Age 

667 100.0 13 2.0 75 11.3 549 82.3 30 4.5 

15 to 34 years 627 100.0 85 13.5 148 23.6 368 58.7 26 4.1 

35 to 44 years 400 100.0 28 6.9 87 21.9 271 67.8 13 3.4 

45 to 54 years 482 100.0 45 9.3 126 26.1 306 63.5 6 1.1 

55 to 64 years 457 100.0 41 9.1 76 16.7 325 71.1 15 3.2 

65 years or more 

Homeownership 

508 100.0 5 1.0 40 8.0 437 86.2 25 4.9 

Homeowner 1,777 100.0 40 2.3 268 15.1 1,404 79.0 66 3.7 

Non-homeowner 696 100.0 163 23.5 210 30.2 304 43.7 18 2.7 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to make 

an accurate estimate 

* There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 96
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table B-28 Banking Status by Household Characteristics: Montana 

 Has a Bank Account 

 Underbanked Status 

All Households Unbanked Underbanked Not Underbanked Unknown 

Pct of Pct of Pct of Pct of 

Number Row Number Row Number Row Number Row Number Pct of Row 

Household Characteristic (1000s) Total (1000s) Total (1000s) Total (1000s) Total (1000s) Total 

All Households 419 100.0 16 3.8 83 19.7 300 71.4 21 5.0 

Race/Ethnicity 

Black 4 100.0 NA NA NA NA NA NA NA NA 

Hispanic non-Black 4 100.0 NA NA NA NA NA NA NA NA 

White non-Black non-Hispanic 380 100.0 9 2.4 68 18.0 283 74.5 19 5.1 

Other non-Black non-Hispanic 32 100.0 5 16.5 12 38.0 13 40.6 2 4.9 

Household Type 

Family household 257 100.0 8 3.0 47 18.4 188 72.9 15 5.7 

Married couple 201 100.0 3 1.7 27 13.4 158 78.5 13 6.4 

Female householder, no husband present 37 100.0 4 11.7 13 35.8 19 50.3 1 2.2 

Male householder, no wife present 19 100.0 NA NA NA NA NA NA NA NA 

Nonfamily household and other 162 100.0 8 5.2 35 21.8 112 69.2 6 3.8 

Household Income (Primary Family or 

Individual) 

Less than $15,000 65 100.0 9 14.5 18 28.0 35 54.1 2 3.4 

Between $15,000 and $30,000 89 100.0 5 5.9 21 23.2 60 67.4 3 3.5 

Between $30,000 and $50,000 90 100.0 1 0.8 17 19.0 70 77.1 3 3.2 

Between $50,000 and $75,000 73 100.0 * * 14 18.7 54 74.0 5 7.3 

At least $75,000 59 100.0 * * 5 8.6 52 88.0 2 3.4 

Unknown 43 100.0 1 1.6 8 18.9 29 67.0 5 12.6 

Education 

No high school degree 38 100.0 5 12.8 10 26.0 20 53.0 3 8.1 

High school degree 142 100.0 9 6.5 30 20.9 98 68.9 5 3.8 

Some college 129 100.0 2 1.5 33 25.5 88 68.1 6 4.8 

College degree (four year) 110 100.0 NA NA 10 9.3 94 85.0 6 5.6 

Age 

15 to 34 years 85 100.0 8 9.8 25 29.9 46 54.3 5 6.0 

35 to 44 years 71 100.0 6 7.9 16 22.8 44 61.5 6 7.9 

45 to 54 years 91 100.0 1 1.5 20 22.3 66 72.9 3 3.3 

55 to 64 years 67 100.0 1 1.1 10 14.6 53 79.1 4 5.2 

65 years or more 105 100.0 * * 11 10.4 90 86.1 4 3.5 

Homeownership 

Homeowner 303 100.0 5 1.8 51 16.7 233 77.0 14 4.5 

Non-homeowner 116 100.0 11 9.1 32 27.8 66 57.0 7 6.1 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to make 

an accurate estimate. 

* There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 97
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table B-29 Banking Status by Household Characteristics: Nebraska 

All Households Unbanked

 Has a Bank Account 

Underbanked Not Underbanked

 Underbanked Status 

Unknown 

Household Characteristic 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

All Households 

Race/Ethnicity 

708 100.0 38 5.4 105 14.9 552 77.9 13 1.8 

Black 31 100.0 8 26.2 13 41.4 9 29.8 1 2.6 

Hispanic non-Black 41 100.0 12 28.1 6 14.3 23 55.1 1 2.5 

White non-Black non-Hispanic 619 100.0 16 2.6 84 13.6 509 82.3 9 1.5 

Other non-Black non-Hispanic 

Household Type 

17 100.0 NA NA NA NA NA NA NA NA 

Family household 474 100.0 23 4.8 71 14.9 375 79.0 6 1.3 

Married couple 392 100.0 5 1.3 47 12.0 335 85.5 5 1.2 

Female householder, no husband present 60 100.0 15 24.9 13 21.0 31 51.9 1 2.2 

Male householder, no wife present 23 100.0 NA NA NA NA NA NA NA NA 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

234 100.0 15 6.5 35 14.8 177 75.8 7 2.9 

Less than $15,000 70 100.0 18 26.3 15 21.1 35 49.3 2 3.3 

Between $15,000 and $30,000 122 100.0 12 9.6 27 21.9 80 66.0 3 2.5 

Between $30,000 and $50,000 146 100.0 5 3.4 26 17.9 114 78.0 1 0.7 

Between $50,000 and $75,000 125 100.0 * * 20 16.2 104 83.2 1 0.7 

At least $75,000 158 100.0 1 0.8 11 6.9 143 91.0 2 1.3 

Unknown 

Education 

88 100.0 2 2.1 7 7.6 76 86.2 4 4.1 

No high school degree 64 100.0 13 19.7 12 18.4 38 58.9 2 3.0 

High school degree 218 100.0 20 9.2 38 17.6 159 72.8 1 0.4 

Some college 230 100.0 4 1.9 40 17.5 179 77.5 7 3.1 

College degree (four year) 

Age 

196 100.0 1 0.5 15 7.7 177 90.3 3 1.5 

15 to 34 years 177 100.0 16 8.9 36 20.5 121 68.2 4 2.5 

35 to 44 years 127 100.0 10 7.9 23 17.8 91 71.5 4 2.8 

45 to 54 years 148 100.0 10 6.5 25 17.1 112 75.7 1 0.7 

55 to 64 years 113 100.0 1 0.9 15 13.6 95 84.4 1 1.0 

65 years or more 

Homeownership 

144 100.0 2 1.1 6 4.1 133 92.8 3 2.0 

Homeowner 503 100.0 9 1.7 48 9.5 437 87.0 9 1.7 

Non-homeowner 206 100.0 29 14.3 57 28.0 114 55.6 4 2.1 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to make 

an accurate estimate. 

* There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 98
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table B-30 Banking Status by Household Characteristics: Nevada 

All Households Unbanked

 Has a Bank Account 

Underbanked Not Underbanked 

Underbanked Status 

Unknown 

Household Characteristic 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

All Households 

Race/Ethnicity 

981 100.0 67 6.9 201 20.5 680 69.3 33 3.3 

Black 83 100.0 19 23.2 25 30.3 35 42.2 4 4.3 

Hispanic non-Black 176 100.0 21 12.1 54 30.7 91 51.8 9 5.4 

White non-Black non-Hispanic 637 100.0 24 3.8 110 17.3 484 76.0 18 2.9 

Other non-Black non-Hispanic 

Household Type 

85 100.0 2 2.6 12 13.9 69 81.8 1 1.6 

Family household 613 100.0 39 6.3 115 18.7 438 71.5 21 3.4 

Married couple 465 100.0 19 4.0 81 17.3 352 75.7 14 2.9 

Female householder, no husband present 105 100.0 13 12.3 30 28.2 58 55.2 5 4.3 

Male householder, no wife present 42 100.0 NA NA NA NA NA NA NA NA 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

368 100.0 28 7.7 87 23.5 241 65.6 12 3.2 

Less than $15,000 80 100.0 13 16.0 24 30.0 41 50.9 3 3.2 

Between $15,000 and $30,000 144 100.0 27 18.5 32 22.4 81 56.4 4 2.7 

Between $30,000 and $50,000 213 100.0 19 8.7 57 26.9 129 60.9 7 3.5 

Between $50,000 and $75,000 194 100.0 3 1.8 42 21.7 141 72.6 8 3.9 

At least $75,000 256 100.0 2 0.6 38 14.8 208 81.3 8 3.2 

Unknown 

Education 

94 100.0 4 4.4 7 7.9 79 84.3 3 3.4 

No high school degree 117 100.0 17 14.6 31 26.1 64 54.2 6 5.1 

High school degree 298 100.0 29 9.8 62 20.7 203 68.2 4 1.3 

Some college 341 100.0 19 5.6 77 22.7 227 66.7 17 5.0 

College degree (four year) 

Age 

225 100.0 2 0.9 31 14.0 185 82.5 6 2.6 

15 to 34 years 248 100.0 28 11.2 47 18.9 164 66.2 9 3.8 

35 to 44 years 181 100.0 18 9.9 49 27.2 108 59.3 6 3.6 

45 to 54 years 192 100.0 12 6.3 42 22.1 134 69.6 4 2.0 

55 to 64 years 171 100.0 8 4.8 31 18.0 126 73.9 6 3.3 

65 years or more 

Homeownership 

189 100.0 1 0.7 32 16.9 149 78.5 7 3.9 

Homeowner 602 100.0 9 1.5 106 17.6 468 77.7 19 3.2 

Non-homeowner 379 100.0 58 15.4 95 25.1 212 55.9 13 3.5 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to make 

an accurate estimate. 

FDIC National Survey of Unbanked and Underbanked Households ■ DECEMBER 2009 99
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table B-31 Banking Status by Household Characteristics: New Hampshire 

All Households Unbanked

 Has a Bank Account 

Underbanked Not Underbanked

 Underbanked Status 

Unknown 

Household Characteristic 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

All Households 

Race/Ethnicity 

524 100.0 12 2.2 63 12.1 436 83.3 13 2.4 

Black 8 100.0 NA NA NA NA NA NA NA NA 

Hispanic non-Black 6 100.0 NA NA NA NA NA NA NA NA 

White non-Black non-Hispanic 496 100.0 8 1.7 57 11.6 419 84.6 11 2.2 

Other non-Black non-Hispanic 

Household Type 

14 100.0 NA NA NA NA NA NA NA NA 

Family household 357 100.0 7 1.8 41 11.5 301 84.3 8 2.3 

Married couple 293 100.0 1 0.5 29 9.9 256 87.3 7 2.3 

Female householder, no husband present 45 100.0 4 8.9 7 16.4 33 73.5 1 1.3 

Male householder, no wife present 19 100.0 1 5.8 5 24.3 12 64.5 1 5.5 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

166 100.0 5 3.1 22 13.3 135 81.1 4 2.6 

Less than $15,000 31 100.0 4 12.6 5 17.7 20 66.1 1 3.6 

Between $15,000 and $30,000 55 100.0 2 3.7 10 19.2 42 76.4 * 0.8 

Between $30,000 and $50,000 100 100.0 4 4.4 16 16.4 78 78.7 1 0.6 

Between $50,000 and $75,000 96 100.0 * * 10 10.0 84 87.4 3 2.7 

At least $75,000 178 100.0 1 0.3 16 8.7 158 88.7 4 2.3 

Unknown 

Education 

65 100.0 1 1.5 6 9.1 54 83.5 4 5.9 

No high school degree 43 100.0 4 9.6 8 17.9 28 65.1 3 7.5 

High school degree 147 100.0 4 3.0 22 15.0 119 80.6 2 1.4 

Some college 142 100.0 3 2.2 23 16.3 112 78.7 4 2.8 

College degree (four year) 

Age 

191 100.0 * * 10 5.3 177 93.0 3 1.7 

15 to 34 years 95 100.0 4 4.0 20 21.1 70 73.2 2 1.7 

35 to 44 years 102 100.0 4 3.5 10 9.6 86 84.3 3 2.6 

45 to 54 years 129 100.0 2 1.9 20 15.4 102 78.9 5 3.8 

55 to 64 years 90 100.0 2 2.1 9 9.4 78 86.3 2 2.1 

65 years or more 

Homeownership 

108 100.0 * * 5 4.6 101 94.0 1 1.4 

Homeowner 404 100.0 3 0.6 31 7.8 360 89.1 10 2.5 

Non-homeowner 120 100.0 9 7.7 32 26.6 76 63.7 2 2.1 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to make 

an accurate estimate. 

* There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 100
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table B-32 Banking Status by Household Characteristics: New Jersey 

All Households Unbanked

 Has a Bank Account 

Underbanked Not Underbanked

 Underbanked Status 

Unknown 

Household Characteristic 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

All Households 

Race/Ethnicity 

3,141 100.0 233 7.4 377 12.0 2,394 76.2 137 4.4 

Black 459 100.0 108 23.5 111 24.2 218 47.6 21 4.7 

Hispanic non-Black 384 100.0 81 21.1 79 20.5 215 55.9 10 2.5 

White non-Black non-Hispanic 2,039 100.0 38 1.9 177 8.7 1,733 85.0 92 4.5 

Other non-Black non-Hispanic 

Household Type 

258 100.0 6 2.2 10 3.8 228 88.3 15 5.7 

Family household 2,149 100.0 148 6.9 270 12.6 1,643 76.5 88 4.1 

Married couple 1,591 100.0 44 2.7 156 9.8 1,332 83.7 59 3.7 

Female householder, no husband present 389 100.0 79 20.3 68 17.4 222 57.0 20 5.3 

Male householder, no wife present 169 100.0 25 14.8 47 27.5 90 53.0 8 4.7 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

992 100.0 85 8.6 107 10.7 751 75.7 49 5.0 

Less than $15,000 268 100.0 66 24.6 50 18.7 146 54.6 6 2.1 

Between $15,000 and $30,000 301 100.0 42 13.9 51 16.9 199 66.1 10 3.2 

Between $30,000 and $50,000 466 100.0 48 10.2 74 15.9 316 67.8 28 6.1 

Between $50,000 and $75,000 435 100.0 16 3.6 58 13.4 353 81.1 8 1.9 

At least $75,000 1,157 100.0 9 0.7 111 9.6 1,009 87.2 29 2.5 

Unknown 

Education 

512 100.0 53 10.3 32 6.3 371 72.4 56 11.0 

No high school degree 358 100.0 81 22.7 39 10.9 194 54.3 43 12.1 

High school degree 952 100.0 94 9.9 123 12.9 685 71.9 51 5.3 

Some college 565 100.0 39 6.9 110 19.5 401 71.0 15 2.7 

College degree (four year) 

Age 

1,265 100.0 18 1.4 105 8.3 1,114 88.1 28 2.2 

15 to 34 years 508 100.0 87 17.1 80 15.8 326 64.1 15 3.0 

35 to 44 years 618 100.0 59 9.5 79 12.8 462 74.8 18 2.9 

45 to 54 years 793 100.0 42 5.3 87 11.0 637 80.3 26 3.3 

55 to 64 years 572 100.0 15 2.6 72 12.6 460 80.3 26 4.5 

65 years or more 

Homeownership 

649 100.0 30 4.6 57 8.8 510 78.5 52 8.0 

Homeowner 2,114 100.00 33 1.5 191 9.1 1,781 84.2 109 5.2 

Non-homeowner 1,026 100.0 200 19.5 185 18.0 613 59.7 28 2.8 

Note: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. 

FDIC National Survey of Unbanked and Underbanked Households ■ DECEMBER 2009 101
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table B-33 Banking Status by Household Characteristics: New Mexico 

All Households Unbanked

 Has a Bank Account 

Underbanked Not Underbanked

 Underbanked Status 

Unknown 

Household Characteristic 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

All Households 

Race/Ethnicity 

780 100.0 89 11.4 169 21.7 488 62.5 34 4.4 

Black 24 100.0 NA NA NA NA NA NA NA NA 

Hispanic non-Black 311 100.0 42 13.4 85 27.2 165 53.1 19 6.3 

White non-Black non-Hispanic 362 100.0 17 4.6 60 16.6 273 75.5 12 3.3 

Other non-Black non-Hispanic 

Household Type 

83 100.0 24 29.3 24 29.0 35 41.7 . . 

Family household 489 100.0 48 9.8 108 22.2 308 63.1 24 4.9 

Married couple 355 100.0 19 5.3 63 17.8 262 73.9 11 3.0 

Female householder, no husband present 92 100.0 23 25.2 32 34.9 30 32.6 7 7.4 

Male householder, no wife present 42 100.0 NA NA NA NA NA NA NA NA 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

291 100.0 41 14.1 60 20.7 180 61.7 10 3.5 

Less than $15,000 126 100.0 35 27.9 31 24.2 59 47.0 1 0.9 

Between $15,000 and $30,000 136 100.0 16 12.0 37 27.6 77 56.8 5 3.6 

Between $30,000 and $50,000 158 100.0 13 7.9 39 24.6 101 63.7 6 3.8 

Between $50,000 and $75,000 91 100.0 1 1.5 17 18.4 68 74.3 5 5.8 

At least $75,000 156 100.0 * * 29 18.6 122 78.5 5 2.9 

Unknown 

Education 

113 100.0 24 21.0 16 14.4 61 53.6 12 10.9 

No high school degree 152 100.0 40 26.4 39 25.8 70 46.2 3 1.6 

High school degree 185 100.0 25 13.3 49 26.7 99 53.7 12 6.3 

Some college 195 100.0 18 9.4 47 24.1 118 60.7 11 5.9 

College degree (four year) 

Age 

15 to 34 years 

249 100.0 6 2.5 34 13.5 200 80.5 8 3.4 

35 to 44 years 126 100.0 12 9.8 34 26.8 74 59.2 5 4.2 

45 to 54 years 177 100.0 21 12.0 35 19.8 113 63.8 8 4.5 

55 to 64 years 125 100.0 10 7.8 23 18.2 83 65.9 10 8.1 

65 years or more 

Homeownership 

170 100.0 20 12.0 30 17.5 114 67.3 5 3.2 

Homeowner 549 100.0 48 8.8 104 18.9 370 67.4 27 5.0 

Non-homeowner 231 100.0 41 17.8 65 28.2 118 51.1 7 3.0 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to make 

an accurate estimate. 

* There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 102
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table B-34 Banking Status by Household Characteristics: New York 

All Households Unbanked

 Has a Bank Account 

Underbanked Not Underbanked

 Underbanked Status 

Unknown 

Household Characteristic 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

All Households 

Race/Ethnicity 

7,749 100.0 761 9.8 1,492 19.3 5,028 64.9 468 6.0 

Black 1,332 100.0 331 24.8 435 32.7 494 37.1 72 5.4 

Hispanic non-Black 910 100.0 207 22.8 192 21.1 474 52.1 36 4.0 

White non-Black non-Hispanic 4,927 100.0 179 3.6 807 16.4 3,626 73.6 314 6.4 

Other non-Black non-Hispanic 

Household Type 

580 100.0 43 7.5 58 10.1 433 74.6 46 7.9 

Family household 5,109 100.0 464 9.1 1,090 21.3 3,272 64.0 284 5.6 

Married couple 3,656 100.0 140 3.8 689 18.9 2,615 71.5 212 5.8 

Female householder, no husband present 1,064 100.0 242 22.8 300 28.2 470 44.2 51 4.8 

Male householder, no wife present 390 100.0 82 21.0 100 25.7 187 48.0 21 5.3 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

2,640 100.0 297 11.2 403 15.3 1,756 66.5 184 7.0 

Less than $15,000 1,171 100.0 339 29.0 201 17.2 598 51.1 33 2.8 

Between $15,000 and $30,000 919 100.0 157 17.1 209 22.7 514 55.9 39 4.2 

Between $30,000 and $50,000 1,145 100.0 40 3.5 338 29.5 707 61.7 60 5.3 

Between $50,000 and $75,000 1,183 100.0 51 4.3 284 24.0 815 68.9 33 2.8 

At least $75,000 1,721 100.0 5 0.3 258 15.0 1,389 80.7 70 4.0 

Unknown 

Education 

1,611 100.0 169 10.5 202 12.6 1,005 62.4 234 14.5 

No high school degree 1,100 100.0 265 24.1 238 21.6 514 46.8 82 7.5 

High school degree 2,258 100.0 232 10.3 451 20.0 1,471 65.1 105 4.6 

Some college 1,830 100.0 156 8.5 450 24.6 1,116 61.0 108 5.9 

College degree (four year) 

Age 

2,561 100.0 107 4.2 354 13.8 1,926 75.2 174 6.8 

15 to 34 years 1,713 100.0 254 14.8 309 18.1 987 57.6 163 9.5 

35 to 44 years 1,400 100.0 145 10.3 354 25.3 841 60.0 61 4.3 

45 to 54 years 1,533 100.0 162 10.6 324 21.2 970 63.3 76 5.0 

55 to 64 years 1,354 100.0 95 7.0 277 20.5 916 67.6 66 4.9 

65 years or more 

Homeownership 

1,748 100.0 105 6.0 227 13.0 1,314 75.1 102 5.8 

Homeowner 4,169 100.0 68 1.6 716 17.2 3,173 76.1 211 5.1 

Non-homeowner 3,580 100.0 693 19.4 776 21.7 1,854 51.8 257 7.2 

Note: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. 

FDIC National Survey of Unbanked and Underbanked Households ■ DECEMBER 2009 103
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table B-35 Banking Status by Household Characteristics: North Carolina 

All Households Unbanked

 Has a Bank Account 

Underbanked Not Underbanked

 Underbanked Status 

Unknown 

Household Characteristic 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

All Households 

Race/Ethnicity 

3,749 100.0 306 8.2 750 20.0 2,537 67.7 156 4.2 

Black 775 100.0 153 19.7 239 30.9 363 46.9 19 2.5 

Hispanic non-Black 139 100.0 58 42.0 33 24.0 39 28.1 8 5.9 

White non-Black non-Hispanic 2,665 100.0 72 2.7 441 16.5 2,023 75.9 128 4.8 

Other non-Black non-Hispanic 

Household Type 

170 100.0 23 13.3 36 21.4 111 65.3 . . 

Family household 2,497 100.0 205 8.2 550 22.0 1,631 65.3 111 4.5 

Married couple 1,859 100.0 57 3.1 353 19.0 1,354 72.8 95 5.1 

Female householder, no husband present 498 100.0 123 24.6 181 36.4 186 37.3 9 1.7 

Male householder, no wife present 139 100.0 25 18.3 15 11.1 91 65.3 7 5.2 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

1,252 100.0 101 8.1 200 16.0 906 72.4 45 3.6 

Less than $15,000 543 100.0 132 24.3 145 26.7 266 49.0 . . 

Between $15,000 and $30,000 640 100.0 104 16.2 181 28.3 333 52.0 22 3.5 

Between $30,000 and $50,000 776 100.0 28 3.6 169 21.7 548 70.6 32 4.1 

Between $50,000 and $75,000 524 100.0 11 2.2 110 21.0 379 72.3 23 4.5 

At least $75,000 660 100.0 * * 106 16.0 544 82.5 10 1.5 

Unknown 

Education 

605 100.0 31 5.1 39 6.5 467 77.1 68 11.3 

No high school degree 585 100.0 164 28.0 111 19.0 279 47.7 31 5.3 

High school degree 1,091 100.0 92 8.4 255 23.4 682 62.5 62 5.6 

Some college 965 100.0 47 4.8 260 27.0 616 63.8 42 4.4 

College degree (four year) 

Age 

1,107 100.0 4 0.4 123 11.1 959 86.6 22 1.9 

15 to 34 years 878 100.0 146 16.7 238 27.1 456 51.9 38 4.4 

35 to 44 years 718 100.0 42 5.9 172 23.9 463 64.5 41 5.7 

45 to 54 years 741 100.0 75 10.1 178 24.0 471 63.5 18 2.4 

55 to 64 years 623 100.0 30 4.8 94 15.1 494 79.3 5 0.8 

65 years or more 

Homeownership 

789 100.0 13 1.7 69 8.7 652 82.7 54 6.9 

Homeowner 2,572 100.0 71 2.8 409 15.9 1,968 76.5 123 4.8 

Non-homeowner 1,177 100.0 235 20.0 341 29.0 568 48.3 33 2.8 

Note: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. 

* There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 104
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table B-36 Banking Status by Household Characteristics: North Dakota 

All Households Unbanked

 Has a Bank Account 

Underbanked Not Underbanked

 Underbanked Status 

Unknown 

Household Characteristic 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

All Households 

Race/Ethnicity 

275 100.0 13 4.8 52 19.0 203 73.7 7 2.6 

Black 3 100.0 NA NA NA NA NA NA NA NA 

Hispanic non-Black 1 100.0 NA NA NA NA NA NA NA NA 

White non-Black non-Hispanic 246 100.0 6 2.5 43 17.4 190 77.4 7 2.7 

Other non-Black non-Hispanic 

Household Type 

25 100.0 7 27.5 8 33.7 10 38.8 . . 

Family household 179 100.0 8 4.4 33 18.7 133 74.3 5 2.5 

Married couple 142 100.0 3 2.0 24 17.2 111 78.3 4 2.5 

Female householder, no husband present 27 100.0 5 18.7 5 19.9 16 57.9 1 3.4 

Male householder, no wife present 10 100.0 NA NA NA NA NA NA NA NA 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

96 100.0 5 5.4 19 19.6 70 72.4 3 2.6 

Less than $15,000 37 100.0 8 21.8 8 20.9 19 51.8 2 5.5 

Between $15,000 and $30,000 47 100.0 2 3.8 14 28.6 31 65.8 1 1.9 

Between $30,000 and $50,000 60 100.0 1 2.3 12 20.4 45 75.7 1 1.7 

Between $50,000 and $75,000 44 100.0 * * 9 19.6 35 79.3 * 1.1 

At least $75,000 45 100.0 1 1.7 4 9.4 39 88.0 * 1.0 

Unknown 

Education 

42 100.0 1 2.4 6 14.3 33 78.1 2 5.2 

No high school degree 23 100.0 3 12.2 6 25.0 13 59.6 1 3.2 

High school degree 84 100.0 7 8.1 19 23.1 55 65.7 3 3.2 

Some college 96 100.0 3 3.3 20 21.2 70 73.0 2 2.5 

College degree (four year) 

Age 

72 100.0 * 0.6 7 9.4 64 88.3 1 1.7 

15 to 34 years 78 100.0 7 9.5 17 22.6 50 65.0 2 2.9 

35 to 44 years 39 100.0 2 3.9 9 21.8 28 72.0 1 2.3 

45 to 54 years 54 100.0 2 3.7 13 23.8 37 68.7 2 3.8 

55 to 64 years 47 100.0 1 3.0 7 14.9 37 79.1 1 3.0 

65 years or more 

Homeownership 

58 100.0 1 1.4 6 11.2 50 86.7 * 0.7 

Homeowner 181 100.0 5 2.5 31 16.8 144 79.2 3 1.5 

Non-homeowner 94 100.0 9 9.1 22 23.3 59 63.0 4 4.6 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to make 

an accurate estimate. 

* There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 105
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table B-37 Banking Status by Household Characteristics: Ohio 

All Households Unbanked

 Has a Bank Account 

Underbanked Not Underbanked

 Underbanked Status 

Unknown 

Household Characteristic 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

All Households 

Race/Ethnicity 

4,596 100.0 328 7.1 966 21.0 3,076 66.9 226 4.9 

Black 596 100.0 144 24.2 205 34.4 239 40.1 8 1.3 

Hispanic non-Black 105 100.0 8 7.2 36 34.7 61 58.2 * * 

White non-Black non-Hispanic 3,805 100.0 167 4.4 708 18.6 2,720 71.5 211 5.6 

Other non-Black non-Hispanic 

Household Type 

90 100.0 NA NA NA NA NA NA NA NA 

Family household 3,078 100.0 209 6.8 644 20.9 2,045 66.5 180 5.8 

Married couple 2,329 100.0 75 3.2 399 17.1 1,727 74.2 128 5.5 

Female householder, no husband present 544 100.0 95 17.6 183 33.6 235 43.3 30 5.5 

Male householder, no wife present 206 100.0 39 18.8 62 30.3 83 40.4 22 10.5 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

1,518 100.0 119 7.9 322 21.2 1,030 67.9 46 3.0 

Less than $15,000 702 100.0 189 26.9 159 22.6 321 45.8 33 4.7 

Between $15,000 and $30,000 691 100.0 48 6.9 184 26.6 435 62.9 25 3.6 

Between $30,000 and $50,000 920 100.0 34 3.7 265 28.9 589 64.0 31 3.4 

Between $50,000 and $75,000 845 100.0 9 1.0 186 22.0 606 71.8 44 5.2 

At least $75,000 852 100.0 * * 108 12.6 716 84.0 28 3.3 

Unknown 

Education 

587 100.0 50 8.5 64 10.9 408 69.6 64 11.0 

No high school degree 554 100.0 110 19.9 159 28.7 252 45.5 32 5.9 

High school degree 1,628 100.0 142 8.7 335 20.6 1,053 64.7 98 6.0 

Some college 1,356 100.0 64 4.7 343 25.3 882 65.0 68 5.0 

College degree (four year) 

Age 

1,058 100.0 12 1.1 129 12.2 889 84.0 28 2.6 

15 to 34 years 926 100.0 98 10.5 255 27.5 510 55.1 63 6.8 

35 to 44 years 868 100.0 86 9.9 201 23.2 545 62.7 37 4.2 

45 to 54 years 1,024 100.0 78 7.6 282 27.5 617 60.2 47 4.6 

55 to 64 years 853 100.0 38 4.4 119 14.0 661 77.5 35 4.1 

65 years or more 

Homeownership 

926 100.0 30 3.2 109 11.8 743 80.3 44 4.7 

Homeowner 3,288 100.0 84 2.6 533 16.2 2,498 76.0 173 5.3 

Non-homeowner 1,308 100.0 244 18.7 433 33.1 578 44.2 52 4.0 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to make 

an accurate estimate. 

* There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 106
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table B-38 Banking Status by Household Characteristics: Oklahoma 

All Households Unbanked

 Has a Bank Account 

Underbanked Not Underbanked

 Underbanked Status 

Unknown 

Household Characteristic 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

All Households 

Race/Ethnicity 

1,445 100.0 141 9.8 316 21.9 912 63.1 75 5.2 

Black 99 100.0 23 23.4 38 38.6 31 31.4 6 6.5 

Hispanic non-Black 90 100.0 38 42.2 20 21.8 23 25.5 9 10.5 

White non-Black non-Hispanic 1,066 100.0 64 6.0 211 19.8 739 69.3 52 4.9 

Other non-Black non-Hispanic 

Household Type 

189 100.0 16 8.7 47 25.0 119 62.7 7 3.6 

Family household 980 100.0 88 9.0 241 24.6 587 59.9 64 6.5 

Married couple 786 100.0 37 4.7 164 20.9 530 67.4 55 7.0 

Female householder, no husband present 144 100.0 36 25.2 53 36.6 46 32.3 9 6.0 

Male householder, no wife present 50 100.0 NA NA NA NA NA NA NA NA 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

465 100.0 53 11.4 75 16.2 325 69.9 11 2.4 

Less than $15,000 205 100.0 70 34.0 36 17.3 96 46.6 4 2.1 

Between $15,000 and $30,000 245 100.0 32 13.2 67 27.6 140 57.4 5 1.8 

Between $30,000 and $50,000 284 100.0 11 3.7 82 28.8 176 61.8 16 5.7 

Between $50,000 and $75,000 289 100.0 5 1.6 72 24.9 199 69.0 13 4.6 

At least $75,000 219 100.0 * * 35 16.1 176 80.4 8 3.5 

Unknown 

Education 

203 100.0 24 11.9 25 12.1 125 61.7 29 14.3 

No high school degree 206 100.0 62 29.9 42 20.3 96 46.4 7 3.4 

High school degree 446 100.0 51 11.4 91 20.4 281 63.0 23 5.2 

Some college 434 100.0 29 6.7 135 31.1 242 55.7 28 6.5 

College degree (four year) 

Age 

358 100.0 * * 49 13.6 293 81.9 16 4.5 

15 to 34 years 365 100.0 68 18.5 117 32.0 165 45.4 15 4.1 

35 to 44 years 246 100.0 36 14.7 71 28.7 121 49.2 18 7.4 

45 to 54 years 256 100.0 16 6.1 65 25.5 170 66.4 5 2.0 

55 to 64 years 220 100.0 12 5.7 47 21.5 149 67.9 11 5.0 

65 years or more 

Homeownership 

358 100.0 10 2.7 17 4.7 306 85.5 26 7.2 

Homeowner 1,015 100.0 43 4.3 150 14.8 763 75.2 58 5.7 

Non-homeowner 429 100.0 98 22.8 166 38.7 149 34.6 17 3.9 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to make 

an accurate estimate. 

* There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 107
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table B-39 Banking Status by Household Characteristics: Oregon 

All Households Unbanked

 Has a Bank Account 

Underbanked Not Underbanked

 Underbanked Status 

Unknown 

Household Characteristic 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

All Households 

Race/Ethnicity 

1,558 100.0 88 5.7 230 14.8 1,124 72.1 116 7.5 

Black 31 100.0 NA NA NA NA NA NA NA NA 

Hispanic non-Black 98 100.0 17 17.1 23 23.6 45 46.0 13 13.3 

White non-Black non-Hispanic 1,334 100.0 44 3.3 188 14.1 1,004 75.3 98 7.4 

Other non-Black non-Hispanic 

Household Type 

95 100.0 15 15.9 13 13.8 64 67.3 3 2.9 

Family household 977 100.0 49 5.0 161 16.5 687 70.3 80 8.2 

Married couple 792 100.0 21 2.7 115 14.6 594 74.9 62 7.9 

Female householder, no husband present 121 100.0 18 14.8 34 28.4 54 44.8 15 12.0 

Male householder, no wife present 63 100.0 NA NA NA NA NA NA NA NA 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

581 100.0 39 6.7 69 11.9 437 75.1 36 6.3 

Less than $15,000 182 100.0 39 21.5 33 18.0 108 59.3 2 1.1 

Between $15,000 and $30,000 263 100.0 26 9.8 46 17.3 161 61.0 31 11.9 

Between $30,000 and $50,000 327 100.0 6 1.9 84 25.7 213 65.0 24 7.3 

Between $50,000 and $75,000 277 100.0 2 0.9 28 10.2 226 81.7 20 7.2 

At least $75,000 341 100.0 * * 23 6.9 303 88.8 15 4.3 

Unknown 

Education 

167 100.0 14 8.6 16 9.5 113 67.5 24 14.5 

No high school degree 161 100.0 27 16.8 45 27.6 72 44.7 18 11.0 

High school degree 394 100.0 41 10.4 71 17.9 238 60.4 45 11.3 

Some college 536 100.0 13 2.4 85 15.8 401 74.9 37 6.8 

College degree (four year) 

Age 

467 100.0 7 1.5 30 6.4 413 88.4 17 3.6 

15 to 34 years 369 100.0 26 7.1 89 24.1 233 63.1 21 5.8 

35 to 44 years 275 100.0 26 9.3 41 14.9 188 68.3 21 7.4 

45 to 54 years 288 100.0 10 3.3 43 15.1 210 73.2 24 8.4 

55 to 64 years 290 100.0 13 4.3 27 9.3 227 78.2 23 8.1 

65 years or more 

Homeownership 

337 100.0 14 4.2 30 8.9 266 79.0 27 7.9 

Homeowner 1,063 100.0 15 1.4 110 10.3 847 79.7 92 8.6 

Non-homeowner 495 100.0 74 14.9 120 24.3 276 55.8 24 4.9 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to make 

an accurate estimate. 

* There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 108
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table B-40 Banking Status by Household Characteristics: Pennsylvania 

All Households Unbanked

 Has a Bank Account 

Underbanked Not Underbanked

 Underbanked Status 

Unknown 

Household Characteristic 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

All Households 

Race/Ethnicity 

4,958 100.0 251 5.1 874 17.6 3,646 73.5 186 3.8 

Black 536 100.0 102 19.0 174 32.5 224 41.7 36 6.7 

Hispanic non-Black 168 100.0 29 17.1 60 35.7 76 45.1 3 2.0 

White non-Black non-Hispanic 4,117 100.0 121 2.9 620 15.1 3,234 78.6 141 3.4 

Other non-Black non-Hispanic 

Household Type 

138 100.0 * * 20 14.2 113 82.0 5 3.9 

Family household 3,224 100.0 114 3.5 567 17.6 2,407 74.6 136 4.2 

Married couple 2,403 100.0 25 1.0 321 13.3 1,974 82.2 84 3.5 

Female householder, no husband present 617 100.0 74 12.0 175 28.4 336 54.5 32 5.1 

Male householder, no wife present 204 100.0 15 7.4 72 35.0 97 47.2 21 10.3 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

1,734 100.0 137 7.9 307 17.7 1,240 71.5 50 2.9 

Less than $15,000 655 100.0 114 17.4 151 23.1 379 57.9 10 1.6 

Between $15,000 and $30,000 745 100.0 50 6.7 152 20.3 518 69.5 26 3.5 

Between $30,000 and $50,000 911 100.0 29 3.2 207 22.7 656 72.0 19 2.0 

Between $50,000 and $75,000 782 100.0 4 0.5 128 16.3 621 79.3 30 3.8 

At least $75,000 1,112 100.0 * * 120 10.8 946 85.0 47 4.2 

Unknown 

Education 

752 100.0 55 7.2 117 15.5 526 70.0 55 7.3 

No high school degree 586 100.0 91 15.6 143 24.4 326 55.7 26 4.4 

High school degree 1,846 100.0 115 6.2 382 20.7 1,280 69.3 69 3.7 

Some college 1,135 100.0 18 1.5 201 17.8 864 76.1 52 4.6 

College degree (four year) 

Age 

1,392 100.0 28 2.0 148 10.6 1,176 84.5 40 2.9 

15 to 34 years 937 100.0 95 10.1 166 17.7 640 68.3 37 3.9 

35 to 44 years 832 100.0 42 5.1 183 22.1 574 69.1 31 3.8 

45 to 54 years 1,112 100.0 64 5.7 234 21.0 796 71.5 19 1.7 

55 to 64 years 835 100.0 13 1.6 149 17.9 633 75.8 40 4.8 

65 years or more 

Homeownership 

1,242 100.0 38 3.0 141 11.4 1,003 80.8 60 4.8 

Homeowner 3,590 100.0 40 1.1 489 13.6 2,929 81.6 133 3.7 

Non-homeowner 1,368 100.0 212 15.5 385 28.2 717 52.4 53 3.9 

Note: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. 

* There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 109
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table B-41 Banking Status by Household Characteristics: Rhode Island 

All Households Unbanked

 Has a Bank Account 

Underbanked Not Underbanked

 Underbanked Status 

Unknown 

Household Characteristic 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

All Households 

Race/Ethnicity 

423 100.0 26 6.2 52 12.2 331 78.3 14 3.3 

Black 29 100.0 4 14.6 8 27.0 15 50.9 2 7.6 

Hispanic non-Black 27 100.0 5 20.0 4 13.8 18 66.1 . . 

White non-Black non-Hispanic 357 100.0 16 4.3 39 10.8 291 81.6 12 3.2 

Other non-Black non-Hispanic 

Household Type 

10 100.0 NA NA NA NA NA NA NA NA 

Family household 277 100.0 16 5.7 34 12.4 217 78.2 10 3.7 

Married couple 202 100.0 4 1.8 22 10.7 171 84.6 6 2.9 

Female householder, no husband present 56 100.0 10 17.7 9 15.7 36 63.4 2 3.2 

Male householder, no wife present 19 100.0 2 11.5 4 21.4 10 53.8 3 13.3 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

146 100.0 11 7.3 17 11.8 114 78.6 3 2.4 

Less than $15,000 57 100.0 18 31.2 11 18.7 27 47.3 2 2.9 

Between $15,000 and $30,000 51 100.0 2 4.1 7 14.0 40 77.8 2 4.1 

Between $30,000 and $50,000 56 100.0 2 3.4 8 14.7 44 78.1 2 3.9 

Between $50,000 and $75,000 71 100.0 * * 10 14.2 58 81.2 3 4.6 

At least $75,000 105 100.0 1 1.1 9 8.6 94 89.4 1 0.9 

Unknown 

Education 

83 100.0 4 4.3 6 7.8 69 83.5 4 4.4 

No high school degree 56 100.0 11 20.0 8 14.7 34 60.7 3 4.6 

High school degree 114 100.0 10 9.2 18 15.5 81 71.3 5 4.0 

Some college 109 100.0 4 3.7 14 12.5 88 80.9 3 2.9 

College degree (four year) 

Age 

143 100.0 1 0.4 12 8.4 127 88.9 3 2.3 

15 to 34 years 84 100.0 11 12.7 11 13.2 59 70.7 3 3.4 

35 to 44 years 82 100.0 4 5.0 13 16.5 61 74.4 3 4.1 

45 to 54 years 83 100.0 6 7.3 10 11.6 66 79.2 2 1.9 

55 to 64 years 82 100.0 4 5.1 8 9.9 66 80.6 4 4.5 

65 years or more 

Homeownership 

93 100.0 1 1.6 9 10.1 80 85.9 2 2.5 

Homeowner 274 100.0 1 0.4 27 10.0 237 86.5 9 3.2 

Non-homeowner 148 100.0 25 17.1 24 16.3 94 63.1 5 3.4 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to make 

an accurate estimate. 

* There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 110
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table B-42 Banking Status by Household Characteristics: South Carolina 

All Households Unbanked

 Has a Bank Account 

Underbanked Not Underbanked

 Underbanked Status 

Unknown 

Household Characteristic 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

All Households 

Race/Ethnicity 

1,790 100.0 182 10.2 432 24.2 1,119 62.5 57 3.2 

Black 491 100.0 114 23.2 176 35.8 188 38.3 13 2.7 

Hispanic non-Black 31 100.0 NA NA NA NA NA NA NA NA 

White non-Black non-Hispanic 1,238 100.0 59 4.8 238 19.3 899 72.6 41 3.3 

Other non-Black non-Hispanic 

Household Type 

31 100.0 NA NA NA NA NA NA NA NA 

Family household 1,246 100.0 120 9.6 310 24.9 773 62.1 43 3.4 

Married couple 930 100.0 37 4.0 215 23.1 646 69.4 32 3.5 

Female householder, no husband present 244 100.0 73 29.9 73 30.0 92 37.6 6 2.4 

Male householder, no wife present 71 100.0 NA NA NA NA NA NA NA NA 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

545 100.0 62 11.4 123 22.5 345 63.4 14 2.6 

Less than $15,000 252 100.0 92 36.6 63 24.9 95 37.7 2 0.8 

Between $15,000 and $30,000 380 100.0 36 9.6 113 29.8 228 59.9 3 0.7 

Between $30,000 and $50,000 415 100.0 16 3.9 114 27.6 265 63.7 20 4.8 

Between $50,000 and $75,000 288 100.0 5 1.9 72 25.0 193 67.2 17 6.0 

At least $75,000 299 100.0 3 1.1 43 14.3 243 81.2 10 3.4 

Unknown 

Education 

156 100.0 29 18.4 27 17.3 96 61.2 5 3.1 

No high school degree 304 100.0 74 24.2 116 38.1 110 36.3 4 1.3 

High school degree 558 100.0 65 11.7 162 29.1 312 56.0 18 3.2 

Some college 459 100.0 41 8.8 96 20.9 300 65.5 22 4.8 

College degree (four year) 

Age 

469 100.0 3 0.6 58 12.3 395 84.3 13 2.7 

15 to 34 years 434 100.0 63 14.6 126 28.9 231 53.3 14 3.2 

35 to 44 years 291 100.0 42 14.4 69 23.7 171 58.6 10 3.4 

45 to 54 years 309 100.0 27 8.8 84 27.1 185 59.9 13 4.2 

55 to 64 years 341 100.0 25 7.5 85 25.0 213 62.3 18 5.3 

65 years or more 

Homeownership 

414 100.0 25 5.9 69 16.6 319 77.0 2 0.5 

Homeowner 1,313 100.0 83 6.3 287 21.8 904 68.8 40 3.0 

Non-homeowner 477 100.0 100 20.9 146 30.6 215 45.0 17 3.5 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to make 

an accurate estimate. 

FDIC National Survey of Unbanked and Underbanked Households ■ DECEMBER 2009 111
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table B-43 Banking Status by Household Characteristics: South Dakota 

All Households Unbanked

 Has a Bank Account 

Underbanked Not Underbanked

 Underbanked Status 

Unknown 

Household Characteristic 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

All Households 

Race/Ethnicity 

332 100.0 16 4.8 54 16.2 253 76.3 9 2.7 

Black 4 100.0 NA NA NA NA NA NA NA NA 

Hispanic non-Black 6 100.0 NA NA NA NA NA NA NA NA 

White non-Black non-Hispanic 297 100.0 7 2.3 45 15.2 237 80.0 7 2.5 

Other non-Black non-Hispanic 

Household Type 

24 100.0 8 32.6 7 29.6 9 35.4 1 2.5 

Family household 209 100.0 12 5.9 33 15.9 159 76.1 4 2.1 

Married couple 168 100.0 5 3.2 23 13.8 137 81.5 3 1.5 

Female householder, no husband present 27 100.0 5 16.7 7 24.4 15 55.7 1 3.2 

Male householder, no wife present 14 100.0 2 17.9 3 24.5 7 51.1 1 6.6 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

122 100.0 4 2.9 20 16.7 94 76.7 5 3.7 

Less than $15,000 54 100.0 7 12.7 12 22.5 34 62.3 1 2.5 

Between $15,000 and $30,000 57 100.0 4 7.3 12 21.5 39 68.1 2 3.2 

Between $30,000 and $50,000 79 100.0 2 2.4 10 13.1 64 81.6 2 2.9 

Between $50,000 and $75,000 58 100.0 * * 10 17.0 48 82.4 * 0.6 

At least $75,000 55 100.0 * 0.9 7 12.5 47 85.9 * 0.7 

Unknown 

Education 

29 100.0 3 8.7 2 7.8 21 74.1 3 9.4 

No high school degree 35 100.0 4 11.7 4 10.1 26 73.8 2 4.5 

High school degree 108 100.0 8 7.8 22 19.9 75 69.5 3 2.8 

Some college 108 100.0 3 2.8 22 20.0 81 75.0 3 2.3 

College degree (four year) 

Age 

80 100.0 * 0.4 7 8.7 71 88.7 2 2.2 

15 to 34 years 85 100.0 6 6.7 16 19.2 60 70.9 3 3.2 

35 to 44 years 49 100.0 3 6.5 12 24.7 33 67.0 1 1.7 

45 to 54 years 74 100.0 3 4.5 14 18.4 55 74.6 2 2.6 

55 to 64 years 51 100.0 3 5.5 8 14.7 39 75.6 2 4.2 

65 years or more 

Homeownership 

73 100.0 1 1.3 4 5.7 66 91.3 1 1.7 

Homeowner 233 100.0 6 2.7 33 14.1 188 80.8 6 2.4 

Non-homeowner 99 100.0 10 9.8 21 21.2 65 65.7 3 3.3 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to make 

an accurate estimate. 

* There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 112
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table B-44 Banking Status by Household Characteristics: Tennessee 

All Households Unbanked

 Has a Bank Account 

Underbanked Not Underbanked

 Underbanked Status 

Unknown 

Household Characteristic 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

All Households 

Race/Ethnicity 

2,517 100.0 249 9.9 441 17.5 1,746 69.4 82 3.2 

Black 401 100.0 134 33.5 105 26.1 132 32.9 30 7.6 

Hispanic non-Black 41 100.0 NA NA NA NA NA NA NA NA 

White non-Black non-Hispanic 2,032 100.0 96 4.7 314 15.5 1,575 77.5 47 2.3 

Other non-Black non-Hispanic 

Household Type 

43 100.0 NA NA NA NA NA NA NA NA 

Family household 1,658 100.0 144 8.7 319 19.2 1,138 68.7 56 3.4 

Married couple 1,231 100.0 30 2.4 233 18.9 930 75.5 38 3.1 

Female householder, no husband present 326 100.0 101 31.1 77 23.6 133 40.9 14 4.4 

Male householder, no wife present 101 100.0 NA NA NA NA NA NA NA NA 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

859 100.0 105 12.2 122 14.2 608 70.7 26 3.0 

Less than $15,000 422 100.0 125 29.6 70 16.7 212 50.1 16 3.7 

Between $15,000 and $30,000 476 100.0 72 15.2 94 19.7 295 61.9 15 3.2 

Between $30,000 and $50,000 521 100.0 20 3.8 161 31.0 308 59.2 32 6.1 

Between $50,000 and $75,000 320 100.0 * * 32 10.1 284 88.9 3 1.0 

At least $75,000 423 100.0 * * 44 10.4 370 87.6 8 2.0 

Unknown 

Education 

355 100.0 32 9.0 39 11.0 277 77.9 7 2.1 

No high school degree 435 100.0 85 19.5 82 18.8 266 61.0 3 0.7 

High school degree 823 100.0 101 12.3 192 23.4 510 61.9 19 2.4 

Some college 672 100.0 58 8.6 135 20.1 442 65.8 37 5.5 

College degree (four year) 

Age 

586 100.0 5 0.9 32 5.4 528 90.0 22 3.7 

15 to 34 years 639 100.0 90 14.1 159 24.9 364 56.9 26 4.1 

35 to 44 years 417 100.0 56 13.5 88 21.2 259 62.1 13 3.1 

45 to 54 years 495 100.0 45 9.1 94 19.0 352 71.1 4 0.8 

55 to 64 years 341 100.0 20 5.8 40 11.8 263 77.2 18 5.3 

65 years or more 

Homeownership 

625 100.0 38 6.1 59 9.5 507 81.2 20 3.2 

Homeowner 1,825 100.0 67 3.7 257 14.1 1,463 80.2 39 2.1 

Non-homeowner 692 100.0 182 23.3 184 26.6 283 40.9 43 6.2 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to make 

an accurate estimate. 

* There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 113
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table B-45 Banking Status by Household Characteristics: Texas 

All Households Unbanked

 Has a Bank Account 

Underbanked Not Underbanked

 Underbanked Status 

Unknown 

Household Characteristic 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

All Households 

Race/Ethnicity 

8,891 100.0 1,040 11.7 2,145 24.1 5,409 60.8 298 3.4 

Black 1,131 100.0 225 19.9 347 30.7 521 46.1 37 3.3 

Hispanic non-Black 2,859 100.0 599 20.9 919 32.2 1,211 42.4 129 4.5 

White non-Black non-Hispanic 4,567 100.0 193 4.2 836 18.3 3,431 75.1 108 2.4 

Other non-Black non-Hispanic 

Household Type 

334 100.0 23 6.9 42 12.7 245 73.3 24 7.1 

Family household 6,176 100.0 738 11.9 1,524 24.7 3,687 59.7 227 3.7 

Married couple 4,488 100.0 363 8.1 954 21.3 3,010 67.1 160 3.6 

Female householder, no husband present 1,209 100.0 317 26.2 380 31.4 480 39.7 32 2.7 

Male householder, no wife present 479 100.0 58 12.0 190 39.7 197 41.1 34 7.2 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

2,715 100.0 302 11.1 620 22.8 1,721 63.4 72 2.6 

Less than $15,000 1,392 100.0 452 32.5 341 24.5 574 41.3 24 1.7 

Between $15,000 and $30,000 1,523 100.0 313 20.5 461 30.2 717 47.1 33 2.2 

Between $30,000 and $50,000 1,700 100.0 109 6.4 556 32.7 957 56.3 78 4.6 

Between $50,000 and $75,000 1,299 100.0 30 2.3 309 23.8 914 70.4 46 3.6 

At least $75,000 2,096 100.0 14 0.7 329 15.7 1,700 81.1 53 2.5 

Unknown 

Education 

881 100.0 121 13.8 150 17.0 546 62.0 64 7.2 

No high school degree 1,534 100.0 458 29.8 407 26.5 611 39.9 58 3.8 

High school degree 2,372 100.0 358 15.1 726 30.6 1,175 49.5 114 4.8 

Some college 2,599 100.0 188 7.2 720 27.7 1,606 61.8 86 3.3 

College degree (four year) 

Age 

2,386 100.0 36 1.5 292 12.2 2,017 84.5 41 1.7 

15 to 34 years 2,277 100.0 384 16.9 709 31.1 1,116 49.0 67 3.0 

35 to 44 years 1,847 100.0 279 15.1 493 26.7 1,003 54.3 72 3.9 

45 to 54 years 1,815 100.0 217 12.0 437 24.1 1,122 61.8 38 2.1 

55 to 64 years 1,333 100.0 68 5.1 299 22.4 895 67.2 71 5.3 

65 years or more 

Homeownership 

1,620 100.0 92 5.7 207 12.8 1,272 78.5 50 3.1 

Homeowner 5,788 100.0 323 5.6 1,225 21.2 4,024 69.5 216 3.7 

Non-homeowner 3,103 100.0 717 23.1 920 29.6 1,385 44.6 82 2.6 

Note: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. 

FDIC National Survey of Unbanked and Underbanked Households ■ DECEMBER 2009 114
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table B-46 Banking Status by Household Characteristics: Utah 

All Households Unbanked

 Has a Bank Account 

Underbanked Not Underbanked

 Underbanked Status 

Unknown 

Household Characteristic 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

All Households 

Race/Ethnicity 

902 100.0 15 1.7 137 15.2 718 79.6 32 3.6 

Black 13 100.0 NA NA NA NA NA NA NA NA 

Hispanic non-Black 65 100.0 6 9.0 12 17.7 41 62.7 7 10.6 

White non-Black non-Hispanic 789 100.0 9 1.1 107 13.5 650 82.4 23 3.0 

Other non-Black non-Hispanic 

Household Type 

34 100.0 NA NA NA NA NA NA NA NA 

Family household 691 100.0 10 1.4 97 14.0 561 81.2 23 3.4 

Married couple 592 100.0 6 1.0 77 12.9 497 84.0 12 2.1 

Female householder, no husband present 62 100.0 2 2.8 15 23.8 40 64.6 6 8.8 

Male householder, no wife present 37 100.0 NA NA NA NA NA NA NA NA 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

211 100.0 5 2.4 40 19.1 157 74.2 9 4.3 

Less than $15,000 56 100.0 4 6.9 14 25.2 35 62.2 3 5.7 

Between $15,000 and $30,000 102 100.0 4 3.5 10 9.6 86 84.6 2 2.4 

Between $30,000 and $50,000 187 100.0 2 0.8 40 21.3 144 77.1 2 0.8 

Between $50,000 and $75,000 188 100.0 3 1.8 20 10.7 152 81.0 12 6.5 

At least $75,000 253 100.0 * * 38 15.2 210 82.7 5 2.1 

Unknown 

Education 

115 100.0 3 2.3 15 12.9 90 78.4 7 6.4 

No high school degree 47 100.0 NA NA NA NA NA NA NA NA 

High school degree 226 100.0 3 1.2 38 16.8 174 76.8 12 5.2 

Some college 372 100.0 7 1.9 65 17.4 291 78.1 10 2.6 

College degree (four year) 

Age 

257 100.0 * * 19 7.5 230 89.7 7 2.8 

15 to 34 years 313 100.0 10 3.1 55 17.6 240 76.8 8 2.5 

35 to 44 years 157 100.0 2 1.0 33 21.0 118 74.7 5 3.3 

45 to 54 years 150 100.0 NA NA 25 16.8 122 80.9 3 2.3 

55 to 64 years 140 100.0 2 1.2 12 8.9 118 84.6 7 5.3 

65 years or more 

Homeownership 

142 100.0 2 1.3 11 8.0 120 84.8 8 6.0 

Homeowner 694 100.0 2 0.3 89 12.9 585 84.3 18 2.6 

Non-homeowner 207 100.0 13 6.3 48 23.0 132 63.8 14 6.8 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to make 

an accurate estimate. 

* There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 115
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table B-47 Banking Status by Household Characteristics: Vermont 

All Households Unbanked

 Has a Bank Account 

Underbanked Not Underbanked

 Underbanked Status 

Unknown 

Household Characteristic 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

All Households 

Race/Ethnicity 

256 100.0 11 4.2 31 12.1 207 81.1 7 2.6 

Black 2 100.0 NA NA NA NA NA NA NA NA 

Hispanic non-Black 1 100.0 NA NA NA NA NA NA NA NA 

White non-Black non-Hispanic 249 100.0 11 4.3 30 12.1 202 81.3 6 2.4 

Other non-Black non-Hispanic 

Household Type 

4 100.0 NA NA NA NA NA NA NA NA 

Family household 163 100.0 7 4.0 20 12.2 132 80.9 5 3.0 

Married couple 125 100.0 2 1.6 13 10.5 106 84.6 4 3.3 

Female householder, no husband present 27 100.0 3 10.9 4 16.4 19 70.1 1 2.5 

Male householder, no wife present 11 100.0 NA NA NA NA NA NA NA NA 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

93 100.0 4 4.4 11 12.0 76 81.5 2 2.1 

Less than $15,000 25 100.0 4 14.9 2 9.5 18 70.1 1 5.2 

Between $15,000 and $30,000 45 100.0 3 6.4 9 20.1 33 72.0 1 1.4 

Between $30,000 and $50,000 48 100.0 2 3.9 7 13.7 38 79.8 1 2.7 

Between $50,000 and $75,000 43 100.0 NA NA 4 10.1 38 88.4 1 1.5 

At least $75,000 54 100.0 NA NA 5 8.7 48 90.0 1 1.3 

Unknown 

Education 

41 100.0 2 5.2 4 9.6 33 79.9 2 5.3 

No high school degree 20 100.0 2 10.2 4 20.3 14 68.3 * 1.2 

High school degree 78 100.0 6 7.5 10 12.3 59 75.7 4 4.5 

Some college 69 100.0 3 4.0 8 12.2 56 82.0 1 1.8 

College degree (four year) 

Age 

89 100.0 * * 9 10.0 79 88.0 2 2.0 

15 to 34 years 48 100.0 6 11.7 6 13.1 35 72.6 1 2.5 

35 to 44 years 43 100.0 2 5.6 5 12.8 34 79.9 1 1.7 

45 to 54 years 54 100.0 1 1.1 9 15.9 44 80.7 1 2.3 

55 to 64 years 55 100.0 1 1.1 6 11.5 46 84.9 1 2.4 

65 years or more 

Homeownership 

56 100.0 1 2.5 4 7.6 48 86.0 2 3.9 

Homeowner 194 100.0 3 1.6 19 9.8 167 85.9 5 2.7 

Non-homeowner 62 100.0 8 12.2 12 19.2 41 66.1 2 2.5 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to make 

an accurate estimate. 

* There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 116
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table B-48 Banking Status by Household Characteristics: Virginia 

All Households Unbanked 

Has a Bank Account 

Underbanked Not Underbanked 

Underbanked Status 

Unknown 

Household Characteristic 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

All Households 

Race/Ethnicity 

2,996 100.0 153 5.1 464 15.5 2,252 75.2 127 4.3 

Black 577 100.0 54 9.4 194 33.6 309 53.6 19 3.4 

Hispanic non-Black 139 100.0 39 28.1 27 19.1 64 46.2 9 6.6 

White non-Black non-Hispanic 2,121 100.0 53 2.5 237 11.2 1,743 82.2 89 4.2 

Other non-Black non-Hispanic 

Household Type 

159 100.0 7 4.1 7 4.2 136 85.4 10 6.3 

Family household 2,046 100.0 98 4.8 313 15.3 1,544 75.5 91 4.4 

Married couple 1,605 100.0 41 2.5 195 12.1 1,311 81.7 59 3.6 

Female householder, no husband present 313 100.0 41 13.1 89 28.3 167 53.5 16 5.1 

Male householder, no wife present 128 100.0 17 13.1 30 23.3 65 51.1 16 12.6 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

950 100.0 55 5.8 150 15.8 708 74.5 37 3.9 

Less than $15,000 213 100.0 36 17.1 59 27.5 114 53.5 4 1.8 

Between $15,000 and $30,000 358 100.0 28 7.9 97 27.1 221 61.6 12 3.3 

Between $30,000 and $50,000 451 100.0 15 3.4 86 19.0 330 73.3 19 4.3 

Between $50,000 and $75,000 503 100.0 3 0.6 61 12.1 422 83.9 17 3.4 

At least $75,000 885 100.0 13 1.5 91 10.3 765 86.4 15 1.7 

Unknown 

Education 

586 100.0 57 9.7 70 11.9 400 68.2 60 10.2 

No high school degree 344 100.0 65 18.8 96 27.9 168 48.7 16 4.6 

High school degree 840 100.0 66 7.9 151 18.0 591 70.3 32 3.8 

Some college 686 100.0 15 2.1 121 17.6 517 75.4 34 4.9 

College degree (four year) 

Age 

1,126 100.0 8 0.7 96 8.5 976 86.7 46 4.1 

15 to 34 years 644 100.0 55 8.5 147 22.8 397 61.7 45 7.0 

35 to 44 years 604 100.0 39 6.4 112 18.5 432 71.5 22 3.6 

45 to 54 years 648 100.0 26 4.1 91 14.0 499 77.0 32 4.9 

55 to 64 years 501 100.0 4 0.8 59 11.8 423 84.4 15 3.0 

65 years or more 

Homeownership 

598 100.0 29 4.8 55 9.2 500 83.7 14 2.3 

Homeowner 2,174 100.0 42 1.9 225 10.4 1,830 84.1 77 3.6 

Non-homeowner 821 100.0 111 13.5 238 29.0 422 51.4 50 6.1 

Note: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. 

FDIC National Survey of Unbanked and Underbanked Households ■ DECEMBER 2009 117
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table B-49 Banking Status by Household Characteristics: Washington 

All Households Unbanked

 Has a Bank Account 

Underbanked Not Underbanked

 Underbanked Status 

Unknown 

Household Characteristic 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

All Households 

Race/Ethnicity 

2,643 100.0 103 3.9 456 17.3 2,027 76.7 57 2.1 

Black 117 100.0 NA NA NA NA NA NA NA NA 

Hispanic non-Black 146 100.0 11 7.3 42 28.9 90 61.7 3 2.0 

White non-Black non-Hispanic 2,099 100.0 56 2.7 328 15.6 1,670 79.6 44 2.1 

Other non-Black non-Hispanic 

Household Type 

282 100.0 12 4.4 12 4.4 248 87.9 9 3.3 

Family household 1,678 100.0 39 2.3 264 15.7 1,332 79.4 44 2.6 

Married couple 1,356 100.0 19 1.4 193 14.2 1,115 82.2 29 2.1 

Female householder, no husband present 240 100.0 13 5.3 58 24.2 158 65.8 11 4.8 

Male householder, no wife present 82 100.0 NA NA NA NA NA NA NA NA 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

965 100.0 64 6.6 192 19.9 696 72.1 13 1.3 

Less than $15,000 306 100.0 58 18.9 102 33.2 143 46.9 3 1.0 

Between $15,000 and $30,000 261 100.0 15 5.8 56 21.5 184 70.6 6 2.2 

Between $30,000 and $50,000 512 100.0 14 207 113 22.0 376 73.4 10 1.9 

Between $50,000 and $75,000 498 100.0 3 0.7 78 15.6 396 79.6 21 4.1 

At least $75,000 807 100.7 * * 81 10.1 718 88.9 8 1.0 

Unknown 

Education 

260 100.0 13 5.1 26 10.2 210 81.0 9 3.7 

No high school degree 199 100.0 32 16.0 68 34.3 95 47.6 4 2.0 

High school degree 656 100.0 51 7.7 141 21.5 451 68.7 14 2.1 

Some college 885 100.0 14 1.6 180 20.4 663 74.9 28 3.1 

College degree (four year) 

Age 

903 100.0 7 0.7 66 7.4 818 90.7 11 1.3 

15 to 34 years 601 100.0 22 3.7 141 23.5 419 69.8 18 3.0 

35 to 44 years 531 100.0 29 5.5 114 21.5 375 70.7 12 2.3 

45 to 54 years 549 100.0 31 5.7 95 17.4 414 75.5 8 1.5 

55 to 64 years 473 100.0 17 3.7 62 13.2 382 80.9 11 2.3 

65 years or more 

Homeownership 

490 100.0 3 0.6 43 8.9 436 88.9 8 1.5 

Homeowner 1,757 100.0 10 0.6 176 10.0 1,535 87.3 37 2.1 

Non-homeowner 886 100.0 93 10.5 280 31.6 492 55.6 20 2.2 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to make 

an accurate estimate. 

* There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 118
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table B-50 Banking Status by Household Characteristics: West Virginia 

All Households Unbanked

 Has a Bank Account 

Underbanked Not Underbanked

 Underbanked Status 

Unknown 

Household Characteristic 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

All Households 

Race/Ethnicity 

756 100.0 47 6.3 156 20.7 524 69.3 28 3.7 

Black 23 100.0 NA NA NA NA NA NA NA NA 

Hispanic non-Black 8 100.0 NA NA NA NA NA NA NA NA 

White non-Black non-Hispanic 718 100.0 44 6.1 147 20.5 499 69.5 27 3.8 

Other non-Black non-Hispanic 

Household Type 

8 100.0 NA NA NA NA NA NA NA NA 

Family household 532 100.0 32 5.9 122 23.0 353 66.3 26 4.8 

Married couple 427 100.0 13 3.1 90 21.2 307 72.0 16 3.7 

Female householder, no husband present 70 100.0 12 17.6 23 32.3 31 43.9 4 6.3 

Male householder, no wife present 36 100.0 NA NA NA NA NA NA NA NA 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

223 100.0 16 7.0 34 15.2 171 76.6 3 1.2 

Less than $15,000 117 100.0 25 21.5 20 17.1 69 58.8 3 2.7 

Between $15,000 and $30,000 130 100.0 16 12.1 32 25.0 79 61.2 2 1.7 

Between $30,000 and $50,000 121 100.0 2 1.3 36 29.5 76 62.7 8 6.5 

Between $50,000 and $75,000 116 100.0 * * 23 19.9 91 78.8 2 1.3 

At least $75,000 112 100.0 * * 28 25.0 80 71.4 4 3.6 

Unknown 

Education 

161 100.0 5 3.1 17 10.7 129 80.3 9 5.9 

No high school degree 124 100.0 19 15.5 21 17.1 76 61.9 7 5.5 

High school degree 300 100.0 21 7.0 66 21.9 199 66.4 14 4.7 

Some college 185 100.0 7 3.8 45 24.4 129 69.9 4 1.9 

College degree (four year) 

Age 

147 100.0 * * 24 16.5 119 80.8 4 2.7 

15 to 34 years 136 100.0 18 13.4 34 25.4 79 58.0 4 3.2 

35 to 44 years 126 100.0 10 7.6 46 36.5 68 53.5 3 2.4 

45 to 54 years 155 100.0 7 4.3 36 23.3 104 67.0 8 5.4 

55 to 64 years 121 100.0 8 6.6 19 15.3 90 74.4 5 3.8 

65 years or more 

Homeownership 

217 100.0 5 2.2 21 9.7 183 84.4 8 3.7 

Homeowner 604 100.0 17 2.9 121 20.0 438 72.6 27 4.5 

Non-homeowner 152 100.0 30 19.6 36 23.4 86 56.3 1 0.7 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to make 

an accurate estimate. 

* There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 119
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table B-51 Banking Status by Household Characteristics: Wisconsin 

All Households Unbanked

 Has a Bank Account 

Underbanked Not Underbanked

 Underbanked Status 

Unknown 

Household Characteristic 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

All Households 

Race/Ethnicity 

2,322 100.0 99 4.3 372 16.0 1,814 78.1 37 1.6 

Black 122 100.0 37 30.4 48 39.4 37 30.3 * * 

Hispanic non-Black 129 100.0 42 32.6 20 15.6 64 49.7 3 2.2 

White non-Black non-Hispanic 2,012 100.0 20 1.0 297 14.8 1,660 82.5 35 1.7 

Other non-Black non-Hispanic 

Household Type 

59 100.0 NA NA NA NA NA NA NA NA 

Family household 1,495 100.0 55 3.7 231 15.4 1,179 78.8 30 2.0 

Married couple 1,182 100.0 33 2.8 140 11.8 981 83.0 27 2.3 

Female householder, no husband present 196 100.0 11 5.4 64 32.8 118 60.3 3 1.5 

Male householder, no wife present 117 100.0 11 9.6 27 22.7 80 67.8 * * 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

827 100.0 44 5.3 141 17.0 635 76.8 7 0.9 

Less than $15,000 289 100.0 47 16.3 52 18.1 190 65.7 * * 

Between $15,000 and $30,000 353 100.0 29 8.3 75 21.1 241 68.2 8 2.4 

Between $30,000 and $50,000 428 100.0 9 2.0 97 22.6 318 74.3 5 1.1 

Between $50,000 and $75,000 488 100.0 5 1.1 65 13.4 410 83.9 8 1.6 

At least $75,000 527 100.0 * * 54 10.3 469 88.9 4 0.8 

Unknown 

Education 

236 100.0 9 3.7 28 12.1 186 79.0 12 5.2 

No high school degree 218 100.0 44 20.2 32 14.9 139 63.6 3 1.3 

High school degree 751 100.0 41 5.4 153 20.4 544 72.5 13 1.7 

Some college 712 100.0 11 1.6 140 19.7 553 77.6 8 1.2 

College degree (four year) 

Age 

641 100.0 3 0.5 46 7.2 578 90.2 14 2.1 

15 to 34 years 525 100.0 34 6.6 121 23.1 357 68.1 12 2.3 

35 to 44 years 416 100.0 18 4.4 74 17.7 318 76.6 5 1.3 

45 to 54 years 511 100.0 29 5.7 74 14.5 405 79.3 3 0.6 

55 to 64 years 376 100.0 11 3.0 57 15.3 294 78.2 13 3.5 

65 years or more 

Homeownership 

495 100.0 6 1.2 46 9.2 440 88.8 4 0.8 

Homeowner 1,659 100.0 26 1.6 208 12.5 1,395 84.1 30 1.8 

Non-homeowner 663 100.0 73 11.0 164 24.7 419 63.2 8 1.1 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to make 

an accurate estimate. 

* There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 120
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table B-52 Banking Status by Household Characteristics: Wyoming 

All Households Unbanked

 Has a Bank Account 

Underbanked Not Underbanked

 Underbanked Status 

Unknown 

Household Characteristic 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Number 

(1000s) 

Pct of Row 

Total 

All Households 

Race/Ethnicity 

221 100.0 9 4.0 38 17.4 161 73.1 12 5.5 

Black 3 100.0 NA NA NA NA NA NA NA NA 

Hispanic non-Black 11 100.0 2 19.1 1 6.1 8 74.8 * * 

White non-Black non-Hispanic 201 100.0 6 3.1 36 17.7 148 73.5 11 5.6 

Other non-Black non-Hispanic 

Household Type 

6 100.0 NA NA NA NA NA NA NA NA 

Family household 40 100.0 5 3.7 30 20.9 99 69.2 9 6.2 

Married couple 114 100.0 2 1.5 22 19.6 82 72.0 8 6.9 

Female householder, no husband present 21 100.0 3 15.1 6 26.6 12 54.7 1 3.6 

Male householder, no wife present 9 100.0 NA NA NA NA NA NA NA NA 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

77 100.0 4 4.7 8 10.9 62 80.4 3 4.1 

Less than $15,000 27 100.0 2 8.7 5 17.5 19 69.1 1 4.7 

Between $15,000 and $30,000 38 100.0 4 10.7 7 18.0 26 68.6 1 2.7 

Between $30,000 and $50,000 40 100.0 1 2.4 9 21.5 30 74.1 1 2.0 

Between $50,000 and $75,000 49 100.0 1 1.6 11 21.6 36 73.1 2 3.6 

At least $75,000 52 100.0 * * 6 12.2 41 78.8 5 9.0 

Unknown 

Education 

15 100.0 1 4.5 1 9.1 11 69.8 3 16.7 

No high school degree 15 100.0 2 16.5 3 18.1 8 54.5 2 10.9 

High school degree 72 100.0 5 6.9 15 20.2 50 69.3 3 3.6 

Some college 84 100.0 1 1.7 16 18.9 62 73.0 5 6.4 

College degree (four year) 

Age 

49 100.0 * * 5 10.7 42 84.5 2 4.8 

15 to 34 years 58 100.0 4 7.2 13 22.1 38 65.7 3 4.9 

35 to 44 years 34 100.0 1 2.5 8 23.0 23 68.8 2 5.6 

45 to 54 years 49 100.0 2 5.1 7 14.3 34 71.1 5 9.6 

55 to 64 years 40 100.0 * * 7 17.9 31 77.8 2 4.3 

65 years or more 

Homeownership 

41 100.0 1 3.4 4 9.4 35 84.8 1 2.4 

Homeowner 161 100.0 4 2.2 28 17.3 121 75.4 8 5.2 

Non-homeowner 60 100.0 5 8.9 11 17.8 40 67.1 4 6.2 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to make 

an accurate estimate. 

* There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 121
FDIC National Survey of Unbanked and Underbanked Households ■ DECEMBER 2009 122
 

Appendix C - Detailed MSA Tables 

FDIC National Survey of Unbanked and Underbanked Households ■ DECEMBER 2009 123
 

 

Table C-1 Banking Status of Households for the 20 Most Populated Metropolitan Statistical Areas 

All Households Unbanked 

Has a Bank Account 

Underbanked Not Underbanked 

Underbanked Status 

Unknown 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

All U.S. Households 118,574 100.0 9,085 7.7 21,276 17.9 83,399 70.3 4,813 4.1 

Atlanta-Sandy Springs-Marietta, GA* 2,128 100.0 192 9.0 413 19.4 1,439 67.6 84 3.9 

Baltimore-Towson, MD 1,045 100.0 72 6.9 221 21.2 725 69.3 27 2.6 

Boston-Cambridge-Quincy, MA-NH 1,787 100.0 71 3.9 204 11.4 1,420 79.4 93 5.2 

Chicago-Naperville-Joliet, IL-IN-WI* 3,350 100.0 248 7.4 463 13.8 2,532 75.6 107 3.2 

Dallas-Fort Worth-Arlington, TX* 2,312 100.0 251 10.9 544 23.5 1,433 62.0 84 3.7 

Detroit-Warren-Livonia, MI 1,724 100.0 171 9.9 310 18.0 1,177 68.3 65 3.8 

Houston-Baytown-Sugar Land, TX 2,016 100.0 214 10.6 423 21.0 1,269 62.9 111 5.5 

Los Angeles-Long Beach-Santa Ana, CA 4,426 100.0 406 9.2 637 14.4 3,095 69.9 288 6.5 

Miami-Fort Lauderdale-Miami Beach, FL 2,199 100.0 186 8.4 286 13.0 1,580 71.9 147 6.7 

Minneapolis-St Paul-Bloomington, MN-WI* 1,294 100.0 36 2.8 116 8.9 1,113 86.0 30 2.3 

NY-Northern NJ-Long Island, NY-NJ-PA* 7,211 100.0 691 9.6 1,069 14.8 4,979 69.0 472 6.5 

Philadelphia-Camden-Wilmington, PA-NJ-DE 2,228 100.0 168 7.5 410 18.4 1,572 70.6 78 3.5 

Phoenix-Mesa-Scottsdale, AZ 1,737 100.0 91 5.3 263 15.1 1,337 77.0 46 2.7 

Riverside-San Bernardino, CA 1,305 100.0 150 11.5 221 16.9 883 67.7 50 3.9 

San Diego-Carlsbad-San Marcos, CA 1,065 100.0 43 4.0 136 12.8 838 78.6 48 4.5 

San Francisco-Oakland-Fremont, CA 1,570 100.0 74 4.7 161 10.2 1,256 80.0 79 5.0 

Seattle-Tacoma-Bellevue, WA 1,413 100.0 49 3.5 244 17.2 1,102 78.0 19 1.3 

St. Louis, MO-IL* 1,171 100.0 88 7.5 262 22.4 772 65.9 49 4.2 

Tampa-St. Petersburg-Clearwater, FL 1,177 100.0 55 4.7 223 19.0 850 72.2 48 4.1 

Washington-Arlington-Alexandria, 

D.C.-VA-Maryland-WV* 

2,134 100.0 131 6.2 321 15.0 1,561 73.1 122 5.7 

Note: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. 

*For the MSA results presented in the tables of this report, response data may not be included for a few of the smaller counties included in the official MSA definitions prepared by OMB. The 

reasons for such exclusions are given in Appendix D in the “Technical Notes” section. 

FDIC National Survey of Unbanked and Underbanked Households ■ DECEMBER 2009 124
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table C-2 Banking Status by Household Characteristics: Atlanta-Sandy Springs-Marietta, GA 

All Households Unbanked 

Has a Bank Account 

Underbanked Not Underbanked 

Underbanked Status 

Unknown 

Household Characteristic 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

All Households 

Race/Ethnicity 

2,128 100.0 192 9.0 413 19.4 1,439 67.6 84 3.9 

Black 702 100.0 114 16.3 214 30.4 358 51.0 16 2.2 

Hispanic non-Black 145 100.0 52 35.7 16 11.4 76 52.9 * * 

White non-Black non-Hispanic 1,178 100.0 23 2.0 172 14.6 927 78.7 56 4.7 

Other non-Black non-Hispanic 

Household Type 

104 100.0 NA NA NA NA NA NA NA NA 

Family household 1,441 100.0 104 7.2 271 18.8 1,010 70.0 58 4.0 

Married couple 1,081 100.0 44 4.0 128 11.8 856 79.2 54 5.0 

Female householder, no husband present 268 100.0 57 21.3 101 37.6 106 39.7 4 1.5 

Male householder, no wife present 93 100.0 NA NA NA NA NA NA NA NA 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

687 100.0 89 12.9 142 20.7 430 62.6 26 3.8 

Less than $15,000 219 100.0 95 43.4 43 19.6 78 35.6 3 1.3 

Between $15,000 and $30,000 265 100.0 48 18.3 73 27.4 144 54.3 * * 

Between $30,000 and $50,000 342 100.0 12 3.6 126 36.9 192 56.1 12 3.5 

Between $50,000 and $75,000 300 100.0 * * 62 20.7 235 78.2 3 1.1 

At least $75,000 598 100.0 * * 75 12.6 512 85.6 11 1.8 

Unknown 

Education 

405 100.0 37 9.0 34 8.4 279 69.0 55 13.5 

No high school degree 202 100.0 86 42.7 30 15.1 81 40.4 4 1.9 

High school degree 580 100.0 48 8.3 109 18.9 397 68.6 25 4.3 

Some college 555 100.0 45 8.1 164 29.5 321 57.8 25 4.6 

College degree (four year) 

Age 

792 100.0 13 1.7 109 13.8 639 80.8 30 3.7 

15 to 34 years 569 100.0 85 15.0 164 28.8 301 52.9 19 3.3 

35 to 44 years 501 100.0 31 6.1 100 20.0 356 70.9 15 3.0 

45 to 54 years 487 100.0 53 10.8 87 17.9 328 67.4 19 3.9 

55 to 64 years 349 100.0 19 5.5 50 14.3 273 78.1 8 2.2 

65 years or more 

Homeownership 

222 100.0 4 1.9 12 5.5 182 82.1 23 10.4 

Homeowner 1,481 100.0 35 2.4 197 13.3 1,176 79.4 73 4.9 

Non-homeowner 647 100.0 157 24.3 216 33.3 264 40.7 11 1.7 

Notes: For the MSA results presented in the tables of this report, response data may not be included for a few of the smaller counties included in the official MSA definitions prepared by 

OMB. The reasons for such exclusions are given in Appendix D in the “Technical Notes” section. Figures do not always reconcile to totals because of the rounding of household weights to 

represent the population totals. NA = not applicable because sample size was too small to make an accurate estimate. 

*There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 125
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table C-3 Banking Status by Household Characteristics: Baltimore-Towson, MD 

All Households Unbanked 

Has a Bank Account 

Underbanked Not Underbanked 

Underbanked Status 

Unknown 

Household Characteristic 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s)l Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

All Households 

Race/Ethnicity 

1,045 100.0 72 6.9 221 21.2 725 69.3 27 2.6 

Black 331 100.0 59 17.9 116 35.1 149 44.9 7 2.2 

Hispanic non-Black 26 100.0 NA NA NA NA NA NA NA NA 

White non-Black non-Hispanic 636 100.0 11 1.7 97 15.2 515 81.0 13 2.0 

Other non-Black non-Hispanic 

Household Type 

52 100.0 NA NA NA NA NA NA NA NA 

Family household 696 100.0 39 5.6 142 20.4 498 71.6 17 2.4 

Married couple 507 100.0 10 1.9 97 19.2 389 76.8 11 2.1 

Female householder, no husband present 146 100.0 20 13.9 37 25.4 82 56.6 6 4.1 

Male householder, no wife present 44 100.0 NA NA NA NA NA NA NA NA 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

349 100.0 33 9.4 79 22.7 227 64.9 11 3.0 

Less than $15,000 101 100.0 32 31.5 20 20.0 43 42.8 6 5.7 

Between $15,000 and $30,000 105 100.0 16 15.6 44 41.4 45 42.9 * * 

Between $30,000 and $50,000 155 100.0 11 7.3 54 34.7 88 56.7 2 1.3 

Between $50,000 and $75,000 186 100.0 7 3.9 40 21.5 139 74.6 * * 

At least $75,000 346 100.0 * * 51 14.8 291 84.2 3 1.0 

Unknown 

Education 

151 100.0 5 3.4 12 8.2 118 77.9 16 10.5 

No high school degree 111 100.0 22 19.5 37 33.1 49 43.9 4 3.5 

High school degree 282 100.0 29 10.4 79 27.9 163 57.8 11 3.9 

Some college 253 100.0 16 6.2 58 23.0 173 68.6 6 2.3 

College degree (four year) 

Age 

400 100.0 5 1.3 48 12.0 340 85.1 6 1.6 

15 to 34 years 194 100.0 17 8.7 63 32.5 114 58.8 * * 

35 to 44 years 215 100.0 14 6.6 50 23.4 137 63.8 13 6.2 

45 to 54 years 230 100.0 17 7.6 48 20.7 160 69.7 5 2.0 

55 to 64 years 194 100.0 13 6.6 42 21.5 139 71.9 * * 

65 years or more 

Homeownership 

212 100.0 11 5.0 19 8.8 174 81.8 9 4.3 

Homeowner 712 100.0 20 2.8 120 16.8 563 79.0 10 1.4 

Non-homeowner 333 100.0 52 15.6 102 30.5 162 48.6 17 5.2 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to 

make an accurate estimate. 

*There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 126
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table C-4 Banking Status by Household Characteristics: Boston-Cambridge-Quincy, MA-NH 

All Households Unbanked 

Has a Bank Account 

Underbanked Not Underbanked 

Underbanked Status 

Unknown 

Household Characteristic 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

All Households 

Race/Ethnicity 

1,787 100.0 71 3.9 204 11.4 1,420 79.4 93 5.2 

Black 136 100.0 NA NA NA NA NA NA NA NA 

Hispanic non-Black 80 100.0 NA NA NA NA NA NA NA NA 

White non-Black non-Hispanic 1,433 100.0 38 2.6 150 10.5 1,184 82.6 61 4.3 

Other non-Black non-Hispanic 

Household Type 

138 100.0 5 3.5 13 9.7 97 70.2 23 16.6 

Family household 1,091 100.0 22 2.0 140 12.9 871 79.8 58 5.3 

Married couple 799 100.0 5 0.6 90 11.3 662 82.9 41 5.2 

Female householder, no husband present 216 100.0 16 7.5 32 15.0 156 72.1 12 5.4 

Male householder, no wife present 76 100.0 NA NA NA NA NA NA NA NA 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

696 100.0 49 7.0 64 9.2 549 78.8 35 5.0 

Less than $15,000 167 100.0 48 28.6 36 21.4 80 47.8 4 2.1 

Between $15,000 and $30,000 169 100.0 5 2.7 25 15.0 136 80.2 4 2.1 

Between $30,000 and $50,000 207 100.0 1 0.5 35 17.0 167 80.7 4 1.8 

Between $50,000 and $75,000 241 100.0 5 2.1 37 15.4 194 80.7 4 1.8 

At least $75,000 585 100.0 * * 54 9.2 505 86.4 26 4.4 

Unknown 

Education 

419 100.0 12 2.9 17 4.1 338 80.6 52 12.4 

No high school degree 127 100.0 29 22.8 22 17.2 68 53.4 8 6.5 

High school degree 452 100.0 29 6.5 75 16.6 326 72.1 21 4.8 

Some college 337 100.0 8 2.5 47 14.0 248 73.5 34 10.0 

College degree (four year) 

Age 

871 100.0 4 0.4 60 6.9 778 89.3 29 3.4 

15 to 34 years 436 100.0 23 5.4 63 14.5 336 77.1 13 3.0 

35 to 44 years 333 100.0 14 4.1 33 9.9 269 80.8 17 5.1 

45 to 54 years 421 100.0 16 3.9 54 12.7 323 76.7 28 6.7 

55 to 64 years 231 100.0 10 4.3 19 8.4 193 83.4 9 3.9 

65 years or more 

Homeownership 

366 100.0 7 1.9 35 9.5 299 81.7 25 6.9 

Homeowner 1,169 100.0 5 0.4 113 9.7 975 83.4 76 6.5 

Non-homeowner 618 100.0 66 10.6 91 14.7 445 72.0 17 2.7 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. Note: NA = not applicable because sample size was too 

small to make an accurate estimate. 

*There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 127
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table C-5 Banking Status by Household Characteristics: Chicago-Naperville-Joliet, IL-IN-WI 

All Households Unbanked 

Has a Bank Account 

Underbanked Not Underbanked 

Underbanked Status 

Unknown 

Household Characteristic 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

All Households 

Race/Ethnicity 

3,350 100.0 248 7.4 463 13.8 2,532 75.6 107 3.2 

Black 652 100.0 166 25.5 180 27.6 281 43.1 25 3.8 

Hispanic non-Black 410 100.0 49 12.0 74 18.1 274 66.9 12 3.0 

White non-Black non-Hispanic 2,087 100.0 29 1.4 184 8.8 1,808 86.6 66 3.2 

Other non-Black non-Hispanic 

Household Type 

202 100.0 4 2.1 25 12.5 169 84.0 3 1.5 

Family household 2,270 100.0 163 7.2 327 14.4 1,714 75.5 66 2.9 

Married couple 1,710 100.0 42 2.4 176 10.3 1,436 84.0 57 3.3 

Female householder, no husband present 397 100.0 98 24.8 108 27.3 183 46.2 7 1.7 

Male householder, no wife present 163 100.0 23 14.3 42 26.0 95 58.0 3 1.7 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

1,080 100.0 85 7.9 137 12.6 818 75.8 40 3.7 

Less than $15,000 337 100.0 103 30.6 70 20.8 160 47.5 4 1.1 

Between $15,000 and $30,000 332 100.0 65 19.5 59 17.6 201 60.5 8 2.4 

Between $30,000 and $50,000 512 100.0 18 3.5 118 23.0 363 70.8 14 2.7 

Between $50,000 and $75,000 455 100.0 4 0.8 48 10.5 397 87.2 7 1.5 

At least $75,000 927 100.0 * * 66 7.2 840 90.6 21 2.3 

Unknown 

Education 

787 100.0 59 7.5 102 13.0 573 72.7 54 6.8 

No high school degree 371 100.0 89 24.0 67 18.2 198 53.4 16 4.4 

High school degree 819 100.0 88 10.7 149 18.2 564 68.9 17 2.1 

Some college 844 100.0 55 6.5 144 17.0 609 72.2 36 4.2 

College degree (four year) 

Age 

1,317 100.0 16 1.2 102 7.8 1,161 88.1 37 2.8 

15 to 34 years 779 100.0 79 10.1 151 19.4 523 67.2 26 3.4 

35 to 44 years 735 100.0 41 5.5 98 13.3 571 77.7 26 3.5 

45 to 54 years 752 100.0 56 7.4 112 14.9 564 74.9 21 2.8 

55 to 64 years 500 100.0 32 6.4 35 7.1 415 83.2 17 3.3 

65 years or more 

Homeownership 

585 100.0 42 7.1 67 11.5 459 78.5 17 2.9 

Homeowner 2,295 100.0 42 1.8 234 10.2 1,948 84.9 71 3.1 

Non-homeowner 1,055 100.0 207 19.6 229 21.7 585 55.4 36 3.4 

Notes: For the MSA results presented in the tables of this report, response data may not be included for a few of the smaller counties included in the official MSA definitions prepared by 

OMB. The reasons for such exclusions are given in Appendix D in the “Technical Notes” section. Figures do not always reconcile to totals due to the rounding of household weights to 

represent the population totals. 

*There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 128
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table C-6 Banking Status by Household Characteristics: Dallas-Fort Worth-Arlington, TX 

All Households Unbanked 

Has a Bank Account 

Underbanked Not Underbanked 

Underbanked Status 

Unknown 

Household Characteristic 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

All Households 

Race/Ethnicity 

2,312 100.0 251 10.9 544 23.5 1,433 62.0 84 3.7 

Black 384 100.0 82 21.5 127 33.2 151 39.3 23 6.0 

Hispanic non-Black 482 100.0 114 23.7 181 37.5 175 36.4 12 2.4 

White non-Black non-Hispanic 1,318 100.0 46 3.5 216 16.4 1,006 76.3 50 3.8 

Other non-Black non-Hispanic 

Household Type 

128 100.0 NA NA NA NA NA NA NA NA 

Family household 1,537 100.0 176 11.5 329 21.4 969 63.0 63 4.1 

Married couple 1,165 100.0 83 7.1 206 17.7 833 71.6 43 3.7 

Female householder, no husband present 287 100.0 74 25.8 85 29.8 107 37.3 20 7.0 

Male householder, no wife present 86 100.0 NA NA NA NA NA NA NA NA 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

775 100.0 75 9.7 214 27.7 464 59.9 22 2.8 

Less than $15,000 290 100.0 97 33.3 76 26.3 110 37.8 8 2.6 

Between $15,000 and $30,000 371 100.0 75 20.3 122 32.9 160 43.2 14 3.7 

Between $30,000 and $50,000 406 100.0 34 8.4 117 28.9 238 58.6 17 4.1 

Between $50,000 and $75,000 347 100.0 10 2.7 86 24.9 234 67.5 17 4.9 

At least $75,000 688 100.0 * * 108 15.7 557 80.9 23 3.3 

Unknown 

Education 

209 100.0 36 17.1 33 15.9 134 63.8 7 3.2 

No high school degree 258 100.0 72 27.8 101 39.1 78 30.2 8 2.9 

High school degree 554 100.0 107 19.4 147 26.5 260 47.0 40 7.2 

Some college 734 100.0 60 8.2 208 28.3 439 59.8 27 3.7 

College degree (four year) 

Age 

766 100.0 12 1.6 88 11.5 656 85.7 10 1.3 

15 to 34 years 655 100.0 122 18.7 203 31.1 310 47.3 20 3.0 

35 to 44 years 495 100.0 72 14.6 109 22.0 300 60.7 13 2.7 

45 to 54 years 474 100.0 31 6.6 111 23.4 329 69.3 3 0.7 

55 to 64 years 378 100.0 22 5.8 87 23.1 245 64.9 23 6.1 

65 years or more 

Homeownership 

310 100.0 4 1.2 33 10.6 249 80.2 25 8.0 

Homeowner 1,398 100.0 35 2.5 248 17.8 1,041 74.4 74 5.3 

Non-homeowner 914 100.0 217 23.7 295 32.3 392 42.9 10 1.1 

Notes: For the MSA results presented in the tables of this report, response data may not be included for a few of the smaller counties included in the official MSA definitions prepared by 

OMB. The reasons for such exclusions are given in Appendix D in the “Technical Notes” section. Figures do not always reconcile to totals because of the rounding of household weights to 

represent the population totals. NA = not applicable because sample size was too small to make an accurate estimate. 

*There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 129
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table C-7 Banking Status by Household Characteristics: Detroit-Warren-Livonia, MI 

All Households Unbanked 

Has a Bank Account 

Underbanked Not Underbanked 

Underbanked Status 

Unknown 

Household Characteristic 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

All Households 

Race/Ethnicity 

1,724 100.0 171 9.9 310 18.0 1,177 68.3 65 3.8 

Black 396 100.0 119 30.0 141 35.6 119 30.2 17 4.2 

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

White non-Black non-Hispanic 1,236 100.0 48 3.9 163 13.2 980 79.3 45 3.7 

Other non-Black non-Hispanic 

Household Type 

78 100.0 NA NA NA NA NA NA NA NA 

Family household 1,215 100.0 112 9.2 215 17.7 839 69.0 50 4.1 

Married couple 884 100.0 11 1.2 148 16.7 691 78.2 34 3.9 

Female householder, no husband present 247 100.0 85 34.5 33 13.4 113 45.8 15 6.3 

Male householder, no wife present 85 100.0 NA NA NA NA NA NA NA NA 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

508 100.0 60 11.7 95 18.8 338 66.4 16 3.1 

Less than $15,000 206 100.0 76 37.0 42 20.4 76 36.8 12 5.8 

Between $15,000 and $30,000 244 100.0 43 17.8 50 20.3 147 60.3 4 1.5 

Between $30,000 and $50,000 262 100.0 8 3.2 60 22.8 194 74.0 * * 

Between $50,000 and $75,000 217 100.0 4 1.8 32 15.0 180 83.2 * * 

At least $75,000 390 100.0 * * 58 14.8 318 81.5 14 3.7 

Unknown 

Education 

405 100.0 39 9.7 69 17.1 262 64.6 35 8.7 

No high school degree 191 100.0 57 29.8 31 16.3 92 48.1 11 5.9 

High school degree 538 100.0 69 12.9 133 24.7 315 58.6 20 3.8 

Some college 484 100.0 37 7.7 94 19.5 349 72.0 4 0.9 

College degree (four year) 

Age 

511 100.0 8 1.5 52 10.3 421 82.4 30 5.8 

15 to 34 years 251 100.0 58 23.0 47 18.8 143 56.9 3 1.3 

35 to 44 years 378 100.0 43 11.3 80 21.0 239 63.3 17 4.4 

45 to 54 years 388 100.0 27 7.0 83 21.5 260 66.9 18 4.6 

55 to 64 years 336 100.0 25 7.5 50 15.0 246 73.0 15 4.5 

65 years or more 

Homeownership 

370 100.0 19 5.0 50 13.5 290 78.2 12 3.3 

Homeowner 1,240 100.0 37 3.0 194 15.6 960 77.4 49 4.0 

Non-homeowner 484 100.0 134 27.7 117 24.1 217 44.9 16 3.3 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to 

make an accurate estimate. 

*There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 130
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table C-8 Banking Status by Household Characteristics: Houston-Baytown-Sugar Land, TX 

All Households Unbanked 

Has a Bank Account 

Underbanked Not Underbanked 

Underbanked Status 

Unknown 

Household Characteristic 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s)l Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

All Households 

Race/Ethnicity 

2,016 100.0 214 10.6 423 21.0 1,269 62.9 111 5.5 

Black 388 100.0 81 20.9 108 27.7 192 49.6 7 1.9 

Hispanic non-Black 572 100.0 88 15.3 187 32.7 240 42.0 57 10.0 

White non-Black non-Hispanic 946 100.0 33 3.5 128 13.6 757 80.0 28 3.0 

Other non-Black non-Hispanic 

Household Type 

110 100.0 NA NA NA NA NA NA NA NA 

Family household 1,355 100.0 154 11.4 299 22.0 826 61.0 76 5.6 

Married couple 977 100.0 73 7.5 182 18.6 670 68.5 53 5.4 

Female householder, no husband present 243 100.0 67 27.6 76 31.1 97 40.0 3 1.4 

Male householder, no wife present 134 100.0 NA NA NA NA NA NA NA NA 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

662 100.0 60 9.0 124 18.8 443 67.0 35 5.2 

Less than $15,000 252 100.0 83 32.8 72 28.5 85 33.9 12 4.8 

Between $15,000 and $30,000 302 100.0 79 26.2 82 27.0 141 46.7 * * 

Between $30,000 and $50,000 384 100.0 19 4.8 107 27.9 222 57.7 37 9.5 

Between $50,000 and $75,000 315 100.0 * * 61 19.4 244 77.4 10 3.2 

At least $75,000 527 100.0 4 0.8 75 14.3 437 83.0 10 1.9 

Unknown 

Education 

236 100.0 29 12.3 25 10.8 139 59.1 42 17.8 

No high school degree 405 100.0 112 27.6 87 21.6 167 41.2 39 9.6 

High school degree 471 100.0 53 11.2 111 23.6 279 59.3 28 6.0 

Some college 580 100.0 41 7.0 160 27.5 348 60.0 32 5.5 

College degree (four year) 

Age 

561 100.0 9 1.6 65 11.6 475 84.7 12 2.1 

15 to 34 years 542 100.0 85 15.7 156 28.8 272 50.2 29 5.3 

35 to 44 years 385 100.0 42 10.9 98 25.6 214 55.7 30 7.7 

45 to 54 years 450 100.0 64 14.3 88 19.6 283 62.8 15 3.3 

55 to 64 years 266 100.0 3 1.3 47 17.8 190 71.4 25 9.5 

65 years or more 

Homeownership 

374 100.0 19 5.1 33 8.9 310 82.9 12 3.2 

Homeowner 1,309 100.0 42 3.2 227 17.3 977 74.6 63 4.8 

Non-homeowner 707 100.0 171 24.2 196 27.7 292 41.3 48 6.8 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to 

make an accurate estimate. 

*There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 131
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table C-9 Banking Status by Household Characteristics: Los Angeles-Long Beach-Santa Ana, CA 

All Households Unbanked 

Has a Bank Account 

Underbanked Not Underbanked 

Underbanked Status 

Unknown 

Household Characteristic 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

All Households 

Race/Ethnicity 

4,426 100.0 406 9.2 637 14.4 3,095 69.9 288 6.5 

Black 431 100.0 77 17.8 139 32.3 197 45.8 17 4.0 

Hispanic non-Black 1,487 100.0 274 18.4 316 21.2 779 52.4 119 8.0 

White non-Black non-Hispanic 1,919 100.0 31 1.6 148 7.7 1,639 85.4 101 5.3 

Other non-Black non-Hispanic 

Household Type 

589 100.0 24 4.1 34 5.8 480 81.5 51 8.6 

Family household 3,092 100.0 305 9.9 484 15.7 2,069 66.9 234 7.6 

Married couple 2,186 100.0 151 6.9 273 12.5 1,601 73.2 162 7.4 

Female householder, no husband present 613 100.0 95 15.5 159 25.9 305 49.8 54 8.7 

Male householder, no wife present 292 100.0 59 20.1 52 17.9 162 55.6 19 6.4 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

1,334 100.0 102 7.6 153 11.5 1,026 76.9 54 4.1 

Less than $15,000 553 100.0 147 26.5 105 18.9 279 50.5 23 4.1 

Between $15,000 and $30,000 687 100.0 142 20.7 138 20.1 382 55.6 24 3.5 

Between $30,000 and $50,000 736 100.0 52 7.0 156 21.2 480 65.1 49 6.6 

Between $50,000 and $75,000 660 100.0 12 1.8 81 12.3 520 78.8 47 7.2 

At least $75,000 1,131 100.0 * * 106 9.4 979 86.6 46 4.1 

Unknown 

Education 

659 100.0 54 8.3 50 7.6 455 69.0 99 15.1 

No high school degree 820 100.0 233 28.4 171 20.9 369 44.9 48 5.8 

High school degree 947 100.0 99 10.5 128 13.5 643 67.9 77 8.1 

Some college 1,110 100.0 56 5.0 197 17.7 798 71.9 59 5.3 

College degree (four year) 

Age 

1,549 100.0 18 1.2 141 9.1 1,285 83.0 105 6.8 

15 to 34 years 947 100.0 178 18.8 140 14.7 575 60.7 55 5.8 

35 to 44 years 932 100.0 86 9.2 200 21.4 593 63.7 53 5.7 

45 to 54 years 970 100.0 73 7.5 133 13.7 687 70.8 77 8.0 

55 to 64 years 716 100.0 46 6.5 60 8.4 565 78.9 44 6.2 

65 years or more 

Homeownership 

862 100.0 24 2.8 105 12.2 675 78.2 59 6.8 

Homeowner 2,290 100.0 47 2.0 203 8.9 1,859 81.2 181 7.9 

Non-homeowner 2,136 100.0 360 16.8 433 20.3 1,236 57.9 107 5.0 

Note: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. 

*There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 132
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table C-10 Banking Status by Household Characteristics: Miami-Fort Lauderdale-Miami Beach, FL 

All Households Unbanked 

Has a Bank Account 

Underbanked Not Underbanked 

Underbanked Status 

Unknown 

Household Characteristic 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

All Households 

Race/Ethnicity 

2,199 100.0 186 8.4 286 13.0 1,580 71.9 147 6.7 

Black 426 100.0 103 24.1 69 16.1 236 55.4 19 4.4 

Hispanic non-Black 774 100.0 65 8.4 121 15.6 561 72.4 27 3.5 

White non-Black non-Hispanic 950 100.0 15 1.5 85 8.9 754 79.3 98 10.3 

Other non-Black non-Hispanic 

Household Type 

48 100.0 NA NA NA NA NA NA NA NA 

Family household 1,444 100.0 119 8.3 152 10.6 1,056 73.1 116 8.0 

Married couple 1,045 100.0 27 2.6 102 9.8 817 78.2 99 9.5 

Female householder, no husband present 306 100.0 76 24.8 38 12.5 183 59.9 8 2.8 

Male householder, no wife present 93 100.0 NA NA NA NA NA NA NA NA 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

755 100.0 66 8.8 134 17.7 524 69.4 31 4.1 

Less than $15,000 343 100.0 105 30.6 40 11.6 190 55.4 8 2.3 

Between $15,000 and $30,000 349 100.0 38 10.9 70 20.1 241 69.0 * * 

Between $30,000 and $50,000 425 100.0 20 4.6 73 17.3 324 76.2 8 1.8 

Between $50,000 and $75,000 298 100.0 * * 48 16.3 245 82.4 4 1.3 

At least $75,000 462 100.0 6 1.2 43 9.3 359 77.9 54 11.6 

Unknown 

Education 

322 100.0 17 5.2 11 3.5 220 68.3 74 23.0 

No high school degree 303 100.0 63 20.8 47 15.3 182 60.0 12 3.9 

High school degree 646 100.0 83 12.9 78 12.0 453 70.1 32 5.0 

Some college 575 100.0 34 6.0 89 15.4 419 72.9 33 5.7 

College degree (four year) 

Age 

673 100.0 5 0.7 73 10.8 526 78.1 70 10.4 

15 to 34 years 377 100.0 76 20.1 78 20.7 201 53.3 22 5.8 

35 to 44 years 427 100.0 39 9.1 55 12.8 313 73.4 20 4.7 

45 to 54 years 435 100.0 38 8.6 59 13.6 305 70.0 34 7.8 

55 to 64 years 366 100.0 * * 40 11.1 278 75.9 48 13.0 

65 years or more 

Homeownership 

593 100.0 33 5.6 53 9.0 483 81.4 24 4.0 

Homeowner 1,435 100.0 23 1.6 144 10.1 1,162 81.0 105 7.3 

Non-homeowner 763 100.0 163 21.3 142 18.5 417 54.7 42 5.5 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to 

make an accurate estimate. 

*There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 133
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table C-11 Banking Status by Household Characteristics: Minneapolis-St Paul-Bloomington, MN-WI 

All Households Unbanked 

Has a Bank Account 

Underbanked Not Underbanked 

Underbanked Status 

Unknown 

Household Characteristic 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Number 

(1000s) 

Pct of 

Row 

Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

All Households 

Race/Ethnicity 

1,294 100.0 36 2.8 116 8.9 1,113 86.0 30 2.3 

Black 94 100.0 21 22.4 21 22.8 52 54.8 * * 

Hispanic non-Black 38 100.0 NA NA NA NA NA NA NA NA 

White non-Black non-Hispanic 1,096 100.0 9 0.8 85 7.7 976 89.1 27 2.4 

Other non-Black non-Hispanic 

Household Type 

66 100.0 4 5.8 5 7.1 58 87.1 * * 

Family household 780 100.0 20 2.5 64 8.3 673 86.4 22 2.8 

Married couple 633 100.0 5 0.8 38 6.0 573 90.6 16 2.6 

Female householder, no husband present 105 100.0 15 13.9 20 19.2 70 67.0 * * 

Male householder, no wife present 41 100.0 NA NA NA NA NA NA NA NA 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

515 100.0 16 3.2 51 9.9 439 85.3 8 1.5 

Less than $15,000 132 100.0 17 13.0 27 20.1 86 65.3 2 1.5 

Between $15,000 and $30,000 171 100.0 13 7.5 21 12.1 135 79.2 2 1.2 

Between $30,000 and $50,000 193 100.0 * * 9 4.6 175 90.8 9 4.6 

Between $50,000 and $75,000 256 100.0 * * 28 11.1 218 85.2 10 3.8 

At least $75,000 442 100.0 3 0.6 18 4.0 418 94.6 4 0.8 

Unknown 

Education 

101 100.0 4 3.6 13 13.3 80 79.7 3 3.4 

No high school degree 85 100.0 14 16.5 17 20.6 50 58.8 3 4.0 

High school degree 282 100.0 19 6.7 38 13.5 218 77.2 7 2.6 

Some college 401 100.0 3 0.8 38 9.5 352 87.8 7 1.9 

College degree (four year) 

Age 

526 100.0 * * 22 4.2 492 93.6 12 2.2 

15 to 34 years 324 100.0 15 4.6 37 11.4 257 79.3 15 4.7 

35 to 44 years 232 100.0 6 2.5 27 11.6 192 82.9 7 3.1 

45 to 54 years 301 100.0 9 2.8 27 9.1 263 87.5 2 0.6 

55 to 64 years 179 100.0 7 3.9 16 8.9 154 86.1 2 1.2 

65 years or more 

Homeownership 

258 100.0 * * 9 3.3 246 95.2 4 1.4 

Homeowner 897 100.0 6 0.6 42 4.7 829 92.4 20 2.3 

Non-homeowner 397 100.0 31 7.7 74 18.5 284 71.4 9 2.3 

Notes: For the MSA results presented in the tables of this report, response data may not be included for a few of the smaller counties included in the official MSA definitions prepared by 

OMB. The reasons for such exclusions are given in Appendix D in the “Technical Notes” section. Figures do not always reconcile to totals because of the rounding of household weights to 

represent the population totals. Note: NA = not applicable because sample size was too small to make an accurate estimate. 

*There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 134
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table C-12 Banking Status by Household Characteristics: NY-Northern NJ-Long Island, NY-NJ-PA 

All Households Unbanked 

Has a Bank Account 

Underbanked Not Underbanked 

Underbanked Status 

Unknown 

Household Characteristic 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

All Households 

Race/Ethnicity 

7,211 100.0 691 9.6 1,069 14.8 4,979 69.0 472 6.5 

Black 1,411 100.0 311 22.0 389 27.6 625 44.3 86 6.1 

Hispanic non-Black 1,120 100.0 234 20.9 219 19.5 625 55.8 42 3.8 

White non-Black non-Hispanic 3,990 100.0 105 2.6 410 10.3 3,185 79.8 290 7.3 

Other non-Black non-Hispanic 

Household Type 

690 100.0 42 6.1 51 7.5 543 78.7 54 7.8 

Family household 4,810 100.0 462 9.6 802 16.7 3,260 67.8 286 5.9 

Married couple 3,388 100.0 147 4.3 484 14.3 2,554 75.4 203 6.0 

Female householder, no husband present 1,051 100.0 247 23.5 232 22.1 504 48.0 69 6.5 

Male householder, no wife present 371 100.0 68 18.4 85 23.0 202 54.5 15 4.1 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

2,401 100.0 229 9.5 268 11.2 1,719 71.6 186 7.7 

Less than $15,000 890 100.0 238 26.7 122 13.7 504 56.6 27 3.0 

Between $15,000 and $30,000 753 100.0 143 19.0 167 22.2 412 54.7 30 4.0 

Between $30,000 and $50,000 862 100.0 35 4.0 176 20.4 598 69.4 53 6.2 

Between $50,000 and $75,000 1,012 100.0 57 5.6 222 22.0 696 68.7 38 3.7 

At least $75,000 2,095 100.0 13 0.6 217 10.4 1,784 85.2 81 3.9 

Unknown 

Education 

1,599 100.0 205 12.8 165 10.3 986 61.7 243 15.2 

No high school degree 926 100.0 214 23.1 135 14.6 468 50.6 108 11.7 

High school degree 2,054 100.0 256 12.5 337 16.4 1,359 66.2 102 5.0 

Some college 1,355 100.0 116 8.5 282 20.8 870 64.2 87 6.4 

College degree (four year) 

Age 

2,877 100.0 106 3.7 316 11.0 2,281 79.3 174 6.0 

15 to 34 years 1,494 100.0 214 14.3 223 14.9 932 62.3 126 8.4 

35 to 44 years 1,383 100.0 154 11.2 244 17.7 917 66.3 68 4.9 

45 to 54 years 1,559 100.0 149 9.5 257 16.5 1,065 68.3 88 5.7 

55 to 64 years 1,250 100.0 79 6.3 182 14.6 912 72.9 78 6.2 

65 years or more 

Homeownership 

1,525 100.0 96 6.3 163 10.7 1,154 75.7 112 7.3 

Homeowner 3,726 100.0 61 1.6 445 11.9 2,983 80.1 237 6.4 

Non-homeowner 3,485 100.0 631 18.1 624 17.9 1,996 57.3 234 6.7 

Notes: For the MSA results presented in the tables of this report, response data may not be included for a few of the smaller counties included in the official MSA definitions prepared by 

OMB. The reasons for such exclusions are given in Appendix D in the “Technical Notes” section. Figures do not always reconcile to totals because of the rounding of household weights to 

represent the population totals. 

FDIC National Survey of Unbanked and Underbanked Households ■ DECEMBER 2009 135
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table C-13 Banking Status by Household Characteristics: Philadelphia-Camden-Wilmington, PA-NJ-DE 

All Households Unbanked 

Has a Bank Account 

Underbanked Not Underbanked 

Underbanked Status 

Unknown 

Household Characteristic 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

All Households 

Race/Ethnicity 

2,228 100.0 168 7.5 410 18.4 1,572 70.6 78 3.5 

Black 485 100.0 109 22.4 160 33.1 190 39.2 26 5.3 

Hispanic non-Black 117 100.0 17 14.4 46 39.1 54 46.5 * * 

White non-Black non-Hispanic 1,513 100.0 43 2.8 193 12.7 1,231 81.4 46 3.1 

Other non-Black non-Hispanic 

Household Type 

114 100.0 * * 12 10.2 96 84.5 6 5.3 

Family household 1,437 100.0 72 5.0 253 17.6 1,067 74.3 45 3.1 

Married couple 978 100.0 6 0.7 112 11.4 845 86.3 15 1.6 

Female householder, no husband present 337 100.0 50 14.8 93 27.6 175 51.9 19 5.7 

Male householder, no wife present 122 100.0 16 12.9 48 39.4 48 39.1 10 8.6 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

791 100.0 96 12.1 158 19.9 505 63.8 33 4.1 

Less than $15,000 235 100.0 55 23.3 53 22.6 117 49.6 10 4.4 

Between $15,000 and $30,000 227 100.0 31 13.8 56 24.7 135 59.6 4 1.9 

Between $30,000 and $50,000 330 100.0 36 10.8 104 31.5 182 55.3 8 2.4 

Between $50,000 and $75,000 299 100.0 4 1.4 50 16.8 237 79.1 8 2.6 

At least $75,000 694 100.0 1 0.2 77 11.1 589 84.9 27 3.9 

Unknown 

Education 

443 100.0 41 9.2 70 15.8 311 70.3 21 4.7 

No high school degree 252 100.0 51 20.4 69 27.4 117 46.3 15 5.9 

High school degree 693 100.0 68 9.8 171 24.7 424 61.1 30 4.4 

Some college 517 100.0 23 4.5 100 19.4 379 73.4 14 2.7 

College degree (four year) 

Age 

766 100.0 25 3.3 70 9.2 652 85.1 19 2.4 

15 to 34 years 455 100.0 79 17.3 101 22.1 255 55.9 21 4.6 

35 to 44 years 360 100.0 18 5.0 58 16.2 268 74.6 15 4.2 

45 to 54 years 531 100.0 40 7.5 114 21.4 377 71.0 1 0.1 

55 to 64 years 371 100.0 5 1.4 68 18.4 282 76.0 16 4.2 

65 years or more 

Homeownership 

510 100.0 26 5.2 69 13.6 389 76.3 25 5.0 

Homeowner 1,544 100.0 27 1.8 211 13.7 1,254 81.3 51 3.3 

Non-homeowner 684 100.0 141 20.5 199 29.1 318 46.4 27 3.9 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to 

make an accurate estimate. 

*There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 136
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table C-14 Banking Status by Household Characteristics: Phoenix-Mesa-Scottsdale, AZ 

All Households Unbanked 

Has a Bank Account 

Underbanked Not Underbanked 

Underbanked Status 

Unknown 

Household Characteristic 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

All Households 

Race/Ethnicity 

1,737 100.0 91 5.3 263 15.1 1,337 77.0 46 2.7 

Black 89 100.0 NA NA NA NA NA NA NA NA 

Hispanic non-Black 363 100.0 66 18.2 76 21.0 211 58.2 9 2.5 

White non-Black non-Hispanic 1,185 100.0 17 1.5 160 13.5 980 82.7 28 2.4 

Other non-Black non-Hispanic 

Household Type 

100 100.0 NA NA NA NA NA NA NA NA 

Family household 1,077 100.0 60 5.5 188 17.5 787 73.1 42 3.9 

Married couple 833 100.0 22 2.7 123 14.7 652 78.2 37 4.4 

Female householder, no husband present 155 100.0 27 17.7 27 17.2 96 61.7 5 3.5 

Male householder, no wife present 88 100.0 NA NA NA NA NA NA NA NA 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

660 100.0 32 4.8 75 11.3 550 83.3 4 0.6 

Less than $15,000 151 100.0 30 19.7 14 9.1 102 67.6 5 3.6 

Between $15,000 and $30,000 193 100.0 26 13.3 31 16.0 122 63.5 14 7.2 

Between $30,000 and $50,000 307 100.0 8 2.7 65 21.1 229 74.8 4 1.4 

Between $50,000 and $75,000 336 100.0 5 1.5 67 20.0 259 76.9 5 1.6 

At least $75,000 446 100.0 5 1.2 73 16.3 359 80.6 8 1.9 

Unknown 

Education 

305 100.0 17 5.6 13 4.4 265 87.0 9 3.0 

No high school degree 193 100.0 33 16.9 31 16.3 124 64.0 5 2.8 

High school degree 405 100.0 28 6.8 104 25.6 257 63.4 17 4.2 

Some college 569 100.0 31 5.4 96 16.8 433 76.2 9 1.6 

College degree (four year) 

Age 

570 100.0 * * 32 5.6 523 91.8 15 2.6 

15 to 34 years 423 100.0 26 6.1 83 19.5 307 72.5 8 1.9 

35 to 44 years 332 100.0 27 8.2 78 23.4 222 67.0 5 1.4 

45 to 54 years 342 100.0 19 5.5 43 12.5 267 78.2 13 3.9 

55 to 64 years 318 100.0 13 4.2 47 14.9 252 79.3 5 1.7 

65 years or more 

Homeownership 

323 100.0 6 1.9 13 4.0 289 89.5 15 4.6 

Homeowner 1,246 100.0 33 2.6 149 12.0 1,027 82.4 37 3.0 

Non-homeowner 491 100.0 58 11.9 113 23.1 310 63.2 9 1.9 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to 

make an accurate estimate. 

*There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 137
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table C-15 Banking Status by Household Characteristics: Riverside-San Bernardino, CA 

All Households Unbanked 

Has a Bank Account 

Underbanked Not Underbanked 

Underbanked Status 

Unknown 

Household Characteristic 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

All Households 

Race/Ethnicity 

1,305 100.0 150 11.5 221 16.9 883 67.7 50 3.9 

Black 144 100.0 NA NA NA NA NA NA NA NA 

Hispanic non-Black 376 100.0 91 24.3 49 12.9 213 56.6 23 6.2 

White non-Black non-Hispanic 704 100.0 32 4.6 130 18.5 522 74.2 20 2.8 

Other non-Black non-Hispanic 

Household Type 

81 100.0 NA NA NA NA NA NA NA NA 

Family household 976 100.0 126 12.9 179 18.3 628 64.4 43 4.4 

Married couple 702 100.0 49 6.9 110 15.7 516 73.5 27 3.9 

Female householder, no husband present 204 100.0 67 32.7 49 23.9 81 39.5 8 3.9 

Male householder, no wife present 69 100.0 NA NA NA NA NA NA NA NA 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

329 100.0 24 7.4 42 12.8 255 77.5 8 2.3 

Less than $15,000 163 100.0 49 30.2 30 18.4 84 51.4 * * 

Between $15,000 and $30,000 192 100.0 32 16.7 45 23.3 107 56.0 8 4.0 

Between $30,000 and $50,000 244 100.0 31 12.7 56 23.0 141 57.8 16 6.5 

Between $50,000 and $75,000 252 100.0 14 5.6 43 16.9 188 74.4 8 3.1 

At least $75,000 340 100.0 4 1.2 41 12.0 292 85.7 4 1.1 

Unknown 

Education 

114 100.0 19 16.9 7 6.2 72 63.1 16 13.8 

No high school degree 218 100.0 83 38.2 18 8.4 102 46.6 15 6.8 

High school degree 348 100.0 51 14.6 76 21.9 205 58.9 16 4.5 

Some college 446 100.0 12 2.7 101 22.6 322 72.2 11 2.5 

College degree (four year) 

Age 

293 100.0 4 1.3 26 8.8 255 86.9 9 3.0 

15 to 34 years 337 100.0 66 19.5 88 26.1 172 50.9 12 3.5 

35 to 44 years 256 100.0 44 17.3 30 11.7 162 63.3 20 7.6 

45 to 54 years 283 100.0 31 11.0 58 20.7 182 64.5 11 3.9 

55 to 64 years 208 100.0 5 2.2 30 14.2 166 79.7 8 3.9 

65 years or more 

Homeownership 

221 100.0 4 1.9 15 6.9 201 91.2 * * 

Homeowner 792 100.0 34 4.3 78 9.8 646 81.5 35 4.4 

Non-homeowner 513 100.0 116 22.6 143 28.0 238 46.3 16 3.1 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to 

make an accurate estimate. 

*There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 138
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table C-16 Banking Status by Household Characteristics: San Diego-Carlsbad-San Marcos, CA 

All Households Unbanked 

Has a Bank Account 

Underbanked Not Underbanked 

Underbanked Status 

Unknown 

Household Characteristic 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

All Households 

Race/Ethnicity 

1,065 100.0 43 4.0 136 12.8 838 78.6 48 4.5 

Black 102 100.0 NA NA NA NA NA NA NA NA 

Hispanic non-Black 222 100.0 31 13.9 48 21.5 140 63.2 3 1.4 

White non-Black non-Hispanic 679 100.0 6 0.9 53 7.8 574 84.6 45 6.7 

Other non-Black non-Hispanic 

Household Type 

62 100.0 NA NA NA NA NA NA NA NA 

Family household 664 100.0 25 3.8 92 13.8 524 78.8 24 3.6 

Married couple 510 100.0 13 2.5 62 12.2 421 82.7 13 2.6 

Female householder, no husband present 97 100.0 NA NA NA NA NA NA NA NA 

Male householder, no wife present 58 100.0 NA NA NA NA NA NA NA NA 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

401 100.0 17 4.4 45 11.2 314 78.4 25 6.1 

Less than $15,000 78 100.0 NA NA NA NA NA NA NA NA 

Between $15,000 and $30,000 163 100.0 23 14.3 44 27.4 91 56.2 4 2.2 

Between $30,000 and $50,000 223 100.0 14 6.2 48 21.7 153 68.6 8 3.5 

Between $50,000 and $75,000 120 100.0 * * 6 5.3 111 92.0 3 2.7 

At least $75,000 341 100.0 * * 17 5.1 303 88.9 21 6.0 

Unknown 

Education 

140 100.0 3 2.4 * * 124 88.3 13 9.4 

No high school degree 119 100.0 26 21.6 30 25.1 60 50.3 4 3.0 

High school degree 177 100.0 6 3.5 28 15.8 140 78.9 3 1.7 

Some college 368 100.0 11 3.0 61 16.5 273 74.0 24 6.4 

College degree (four year) 

Age 

401 100.0 . . 18 4.4 365 91.1 18 4.5 

15 to 34 years 219 100.0 17 7.9 40 18.1 147 67.1 15 6.9 

35 to 44 years 247 100.0 4 1.6 50 20.2 180 72.7 13 5.4 

45 to 54 years 239 100.0 13 5.4 34 14.1 186 77.7 7 2.8 

55 to 64 years 197 100.0 6 3.3 3 1.6 178 90.2 10 4.9 

65 years or more 

Homeownership 

163 100.0 2 1.5 10 5.9 147 90.5 3 2.1 

Homeowner 613 100.0 13 2.2 41 6.6 531 86.7 27 4.4 

Non-homeowner 453 100.0 30 6.5 96 21.1 306 67.7 21 4.7 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to 

make an accurate estimate. 

*There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 139
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table C-17 Banking Status by Household Characteristics: San Francisco-Oakland-Fremont, CA 

All Households Unbanked 

Has a Bank Account 

Underbanked Not Underbanked 

Underbanked Status 

Unknown 

Household Characteristic 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

All Households 

Race/Ethnicity 

1,570 100.0 74 4.7 161 10.2 1,256 80.0 79 5.0 

Black 129 100.0 NA NA NA NA NA NA NA NA 

Hispanic non-Black 241 100.0 29 11.9 56 23.1 149 61.8 8 3.2 

White non-Black non-Hispanic 817 100.0 11 1.4 52 6.4 721 88.3 33 4.0 

Other non-Black non-Hispanic 

Household Type 

384 100.0 22 5.8 14 3.6 330 86.0 18 4.6 

Family household 1,002 100.0 43 4.3 102 10.2 827 82.6 30 3.0 

Married couple 787 100.0 26 3.3 60 7.6 678 86.2 23 2.9 

Female householder, no husband present 136 100.0 9 6.3 32 23.3 92 68.0 3 2.4 

Male householder, no wife present 80 100 NA NA NA NA NA NA NA NA 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

568 100.0 31 5.5 58 10.3 429 75.5 49 8.7 

Less than $15,000 127 100.0 25 19.8 24 18.5 67 52.9 11 8.7 

Between $15,000 and $30,000 118 100.0 24 20.2 20 16.6 75 63.1 * * 

Between $30,000 and $50,000 175 100.0 8 4.5 35 20.2 127 72.6 5 2.7 

Between $50,000 and $75,000 213 100.0 4 1.7 16 7.3 193 91.0 * * 

At least $75,000 640 100.0 * * 28 4.4 593 92.7 18 2.9 

Unknown 

Education 

297 100.0 13 4.5 38 12.8 200 67.5 45 15.2 

No high school degree 136 100.0 20 14.5 28 20.5 84 62.0 4 2.9 

High school degree 245 100.0 29 11.9 23 9.5 168 68.4 25 10.2 

Some college 425 100.0 12 2.9 57 13.4 323 76.2 32 7.6 

College degree (four year) 

Age 

764 100.0 13 1.7 53 6.9 681 89.1 18 2.4 

15 to 34 years 364 100.0 20 5.4 63 17.3 260 71.5 21 5.8 

35 to 44 years 315 100.0 9 2.9 34 10.6 253 80.3 19 6.2 

45 to 54 years 305 100.0 20 6.5 20 6.4 257 84.3 9 2.8 

55 to 64 years 293 100.0 13 4.5 29 9.9 232 79.3 19 6.3 

65 years or more 

Homeownership 

293 100.0 12 4.2 16 5.3 254 86.5 11 3.9 

Homeowner 909 100.0 14 1.5 39 4.3 814 89.5 42 4.7 

Non-homeowner 661 100.0 60 9.1 122 18.4 442 66.9 37 5.6 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to 

make an accurate estimate. 

*There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 140
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table C-18 Banking Status by Household Characteristics: Seattle-Tacoma-Bellevue, WA 

All Households Unbanked 

Has a Bank Account 

Underbanked Not Underbanked 

Underbanked Status 

Unknown 

Household Characteristic 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

All Households 

Race/Ethnicity 

1,413 100.0 49 3.5 244 17.2 1,102 78.0 19 1.3 

Black 105 100.0 NA NA NA NA NA NA NA NA 

Hispanic non-Black 77 100.0 NA NA NA NA NA NA NA NA 

White non-Black non-Hispanic 1,034 100.0 24 2.3 143 13.8 861 83.3 6 0.6 

Other non-Black non-Hispanic 

Household Type 

197 100.0 6 3.3 3 1.6 178 90.4 9 4.8 

Family household 852 100.0 17 1.9 125 14.7 699 82.0 11 1.3 

Married couple 710 100.0 10 1.4 92 13.0 600 84.6 8 1.1 

Female householder, no husband present 82 100.0 NA NA NA NA NA NA NA NA 

Male householder, no wife present 60 100.0 NA NA NA NA NA NA NA NA 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

562 100.0 32 5.8 119 21.1 403 71.8 7 1.3 

Less than $15,000 138 100.0 23 16.9 56 40.8 59 42.3 * * 

Between $15,000 and $30,000 101 100.0 13 12.4 26 25.6 60 59.0 3 3.0 

Between $30,000 and $50,000 237 100.0 3 1.3 53 22.4 179 75.3 2 1.0 

Between $50,000 and $75,000 263 100.0 * * 35 13.4 222 84.4 6 2.3 

At least $75,000 518 100.0 * * 59 11.3 457 88.1 3 0.6 

Unknown 

Education 

154 100.0 10 6.3 14 9.4 126 81.7 4 2.6 

No high school degree 106 100.0 12 11.3 55 51.4 36 33.5 4 3.8 

High school degree 311 100.0 28 8.8 67 21.5 213 68.4 4 1.2 

Some college 407 100.0 6 1.5 87 21.5 305 74.9 8 2.1 

College degree (four year) 

Age 

589 100.0 3 0.6 35 5.9 549 93.2 2 0.4 

15 to 34 years 334 100.0 10 2.9 85 25.6 230 68.8 9 2.7 

35 to 44 years 297 100.0 13 4.4 65 21.9 219 73.7 * * 

45 to 54 years 313 100.0 15 4.8 49 15.8 248 79.4 * * 

55 to 64 years 225 100.0 11 5.0 27 12.0 181 80.6 5 2.4 

65 years or more 

Homeownership 

245 100.0 * * 17 7.0 224 91.4 4 1.7 

Homeowner 875 100.0 * * 64 7.3 800 91.4 11 1.3 

Non-homeowner 539 100.0 49 9.1 180 33.4 303 56.2 7 1.3 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to 

make an accurate estimate. 

*There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 141
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table C-19 Banking Status by Household Characteristics: St. Louis, MO-IL 

All Households Unbanked 

Has a Bank Account 

Underbanked Status 

Underbanked Not Underbanked Unknown 

Household Characteristic 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

All Households 

Race/Ethnicity 

1,171 100.0 88 7.5 262 22.4 772 65.9 49 4.2 

Black 241 100.0 75 31.0 82 34.0 77 31.9 7 3.0 

Hispanic non-Black 15 100.0 NA NA NA NA NA NA NA NA 

White non-Black non-Hispanic 906 100.0 10 1.1 174 19.2 681 75.1 41 4.6 

Other non-Black non-Hispanic 

Household Type 

8 100.0 NA NA NA NA NA NA NA NA 

Family household 739 100.0 21 2.8 171 23.2 509 68.9 38 5.1 

Married couple 557 100.0 3 0.6 110 19.8 415 74.6 28 5.0 

Female householder, no husband present 144 100.0 12 8.6 55 37.8 74 51.2 4 2.4 

Male householder, no wife present 37 100.0 NA NA NA NA NA NA NA NA 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

432 100.0 67 15.5 91 21.1 263 60.9 11 2.5 

Less than $15,000 183 100.0 68 37.0 45 24.4 68 37.2 2 1.3 

Between $15,000 and $30,000 193 100.0 17 9.0 57 29.6 118 61.4 * * 

Between $30,000 and $50,000 210 100.0 * * 66 31.2 133 63.1 12 5.7 

Between $50,000 and $75,000 218 100.0 * * 43 19.9 168 77.3 6 2.7 

At least $75,000 236 100.0 * * 37 15.5 177 74.9 23 9.6 

Unknown 

Education 

132 100.0 3 2.2 15 11.4 108 82.1 6 4.4 

No high school degree 114 100.0 25 22.2 27 23.5 56 49.0 6 5.3 

High school degree 374 100.0 41 11.1 85 22.8 236 63.2 11 3.0 

Some college 381 100.0 16 4.1 114 30.0 233 61.1 18 4.8 

College degree (four year) 

Age 

302 100.0 6 1.9 36 11.9 247 81.8 13 4.4 

15 to 34 years 255 100.0 29 11.4 83 32.7 123 48.3 19 7.6 

35 to 44 years 232 100.0 10 4.4 66 28.5 144 62.3 11 4.8 

45 to 54 years 271 100.0 27 9.8 63 23.4 178 65.7 3 1.1 

55 to 64 years 204 100.0 22 10.9 35 17.4 140 68.3 7 3.5 

65 years or more 

Homeownership 

209 100.0 * * 14 6.7 187 89.4 8 3.9 

Homeowner 851 100.0 7 0.9 156 18.4 644 75.6 44 5.2 

Non-homeowner 319 100.0 80 25.2 106 33.2 128 40.2 5 1.5 

Notes: For the MSA results presented in the tables of this report, response data may not be included for a few of the smaller counties included in the official MSA definitions prepared by 

OMB. The reasons for such exclusions are given in Appendix D in the “Technical Notes” section. Figures do not always reconcile to totals due to the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to make an accurate estimate. 

*There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 142
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table C-20 Banking Status by Household Characteristics: Tampa-St. Petersburg-Clearwater, FL 

All Households Unbanked 

Has a Bank Account 

Underbanked Not Underbanked 

Underbanked Status 

Unknown 

Household Characteristic 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

All Households 

Race/Ethnicity 

1,177 100.0 55 4.7 223 19.0 850 72.2 48 4.1 

Black 120 100.0 NA NA NA NA NA NA NA NA 

Hispanic non-Black 99 100.0 NA NA NA NA NA NA NA NA 

White non-Black non-Hispanic 932 100.0 25 2.7 144 15.4 719 77.2 44 4.7 

Other non-Black non-Hispanic 

Household Type 

26 100.0 NA NA NA NA NA NA NA NA 

Family household 705 100.0 36 5.1 129 18.3 508 72.1 32 4.5 

Married couple 502 100.0 17 3.4 53 10.6 405 80.7 27 5.4 

Female householder, no husband present 139 100.0 10 7.4 58 41.9 66 47.4 5 3.2 

Male householder, no wife present 63 100.0 NA NA NA NA NA NA NA NA 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

472 100.0 19 4.0 94 19.9 342 72.4 17 3.6 

Less than $15,000 135 100.0 NA NA NA NA NA NA NA NA 

Between $15,000 and $30,000 145 100.0 5 3.3 29 19.7 107 73.9 5 3.1 

Between $30,000 and $50,000 282 100.0 12 4.4 73 25.9 181 64.2 16 5.5 

Between $50,000 and $75,000 190 100.0 * * 28 14.9 162 85.1 * * 

At least $75,000 235 100.0 * * 25 10.9 201 85.8 8 3.3 

Unknown 

Education 

189 100.0 8 4.3 19 9.9 149 78.8 13 7.0 

No high school degree 97 100.0 NA NA NA NA NA NA NA NA 

High school degree 349 100.0 34 9.6 61 17.5 226 64.7 28 8.1 

Some college 389 100.0 10 2.5 90 23.3 281 72.4 7 1.9 

College degree (four year) 

Age 

342 100.0 * * 37 10.7 301 88.1 4 1.2 

15 to 34 years 236 100.0 19 8.2 65 27.5 147 62.2 5 2.1 

35 to 44 years 212 100.0 17 8.1 55 25.9 128 60.2 12 5.8 

45 to 54 years 230 100.0 14 5.9 48 21.0 157 68.1 11 5.0 

55 to 64 years 208 100.0 5 2.3 33 15.9 165 79.5 5 2.2 

65 years or more 

Homeownership 

290 100.0 * * 22 7.6 253 87.2 15 5.2 

Homeowner 810 100.0 8 1.0 124 15.3 659 81.4 19 2.4 

Non-homeowner 367 100.0 47 12.8 99 27.1 191 52.1 29 8.0 

Notes: Figures do not always reconcile to totals because of the rounding of household weights to represent the population totals. NA = not applicable because sample size was too small to 

make an accurate estimate. 

*There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 143
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Table C-21 Banking Status by Household Characteristics: Washington-Arlington-Alexandria, D.C.-VA-Maryland-WV 

All Households Unbanked 

Has a Bank Account 

Underbanked Not Underbanked 

Underbanked Status 

Unknown 

Household Characteristic 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

Pct of 

Number Row 

(1000s) Total 

All Households 

Race/Ethnicity 

2,134 100.0 131 6.2 321 15.0 1,561 73.1 122 5.7 

Black 577 100.0 56 9.8 201 34.9 300 51.9 20 3.4 

Hispanic non-Black 189 100.0 43 22.9 34 17.8 98 51.8 14 7.4 

White non-Black non-Hispanic 1,174 100.0 25 2.1 80 6.8 997 84.9 71 6.1 

Other non-Black non-Hispanic 

Household Type 

194 100.0 7 3.4 5 2.7 166 85.4 16 8.4 

Family household 1,339 100.0 66 4.9 187 14.0 1,010 75.5 75 5.6 

Married couple 1,013 100.0 42 4.1 95 9.4 829 81.9 47 4.6 

Female householder, no husband present 248 100.0 21 8.3 66 26.5 145 58.4 17 6.8 

Male householder, no wife present 79 100.0 3 4.2 27 34.0 37 46.6 12 15.1 

Nonfamily household and other 

Household Income (Primary Family or 

Individual) 

795 100.0 65 8.2 133 16.8 550 69.2 46 5.8 

Less than $15,000 131 100.0 40 30.2 29 22.4 56 43.0 6 4.4 

Between $15,000 and $30,000 155 100.0 18 11.9 37 23.8 88 56.9 11 7.3 

Between $30,000 and $50,000 275 100.0 16 5.8 54 19.6 188 68.2 18 6.4 

Between $50,000 and $75,000 326 100.0 7 2.0 61 18.8 244 74.7 15 4.4 

At least $75,000 952 100.0 9 0.9 98 10.3 814 85.5 32 3.4 

Unknown 

Education 

294 100.0 42 14.2 42 14.1 171 58.0 40 13.7 

No high school degree 158 100.0 50 31.5 29 18.6 60 37.6 19 12.3 

High school degree 379 100.0 46 12.2 81 21.3 228 60.0 25 6.5 

Some college 448 100.0 23 5.2 86 19.2 312 69.7 26 5.9 

College degree (four year) 

Age 

1,149 100.0 12 1.0 125 10.9 961 83.7 51 4.5 

15 to 34 years 464 100.0 45 9.7 105 22.6 273 58.7 42 9.0 

35 to 44 years 478 100.0 33 6.9 71 14.9 360 75.4 14 2.8 

45 to 54 years 465 100.0 26 5.5 63 13.5 349 75.0 27 5.9 

55 to 64 years 355 100.0 16 4.5 55 15.5 269 75.8 15 4.3 

65 years or more 

Homeownership 

373 100.0 12 3.1 27 7.3 310 83.3 24 6.3 

Homeowner 1,473 100.0 27 1.9 156 10.6 1,209 82.0 81 5.5 

Non-homeowner 661 100.0 104 15.7 164 24.9 352 53.2 41 6.2 

Notes: For the MSA results presented in the tables of this report, response data may not be included for a few of the smaller counties included in the official MSA definitions prepared by 

OMB. The reasons for such exclusions are given in Appendix D in the “Technical Notes” section. Figures do not always reconcile to totals because of the rounding of household weights to 

represent the population totals. NA = not applicable because sample size was too small to make an accurate estimate. 

*There were so few sample respondents (in some cases zero) reporting that the estimated universe proportion rounded 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 ■ DECEMBER 2009 144
 

Appendix D - FDIC Technical Notes 

FDIC National Survey of Unbanked and Underbanked Households ■ DECEMBER 2009 145
 

FDIC Technical Notes 

The data for this report were collected through a Federal 

Deposit Insurance Corporation (FDIC)-sponsored 

Unbanked/Underbanked Supplement to the Current Population Survey (CPS). The CPS is a monthly survey of 

about 54,000 interviewed households conducted by the 

U.S. Census Bureau for the Bureau of Labor Statistics 

(BLS). The survey is based on a scientific sample that 

“represents” 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. The 

CPS results include a variety of demographic characteristics, such as age, sex, race, marital status, and educational 

attainment. Additional information about the CPS is 

available in the Census Bureau’s Technical Paper 66, 

Design and Methodology of the CPS, available at http:// 

www.census.gov/cps/. 

The CPS is a state-based design in that separate samples 

are selected from each state, so that states serve as the 

primary sampling strata. The sample sizes for each state are 

set so that specific precision requirements for estimating 

unemployment rates will be met.1 The sample design 

ensures that most of the households in a given state have 

the same probability of being selected, though in general, 

these selection probabilities will vary across states. Because 

the CPS design is state-based, most of the estimates for the 

Unbanked/Underbanked supplement should be precise at 

the state level and for some sub-state areas (e.g., large 

metropolitan statistical areas (MSAs)). 

Unbanked/Underbanked Supplement 

The Unbanked/Underbanked Supplement was conducted 

for the first time in January 2009. The primary purpose of 

the supplement was to estimate the percentage of U.S. 

households that are “unbanked” and “underbanked” and to 

identify the reasons why households are unbanked or 

underbanked. The supplement survey instrument, attached 

as Appendix E, included approximately 30 questions 

designed to provide this information. The FDIC developed 

the survey instrument with the expertise of a national 

consulting firm, which specializes in public opinion 

research, as well as input from the Census Bureau’s Demographic Surveys Division and BLS. The survey instrument 

underwent four rounds of cognitive field pre-testing and 

The precision targets that are the basis for the sample design of the 

CPS are provided on pp.3–1 in Chapter 3 of the U.S. Census Bureau’s 

Technical Paper 66, available at http://www.census.gov/prod/2006pubs/ 

tp-66.pdf. 

was revised to address the feedback gathered from each 

round.2 

Eligibility and Exclusions 

All households that participated in the January 2009 CPS 

were eligible to participate in the Unbanked/Underbanked 

Supplement, but only those who specified whether someone in their household had a bank account (survey supplement Question 1) were considered supplement respondents. 

CPS household respondents who did not answer this question or answered “don’t know” were asked no further questions and were classified as nonrespondents for the 

supplement. 

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). These demographic characteristics were used in 

preparing report estimates and tables. 

A small proportion of supplement respondents (1.5 

percent, or 1.8 million households) reported that they did 

not participate in their household finances, or they did not 

report their level of involvement with their household 

finances (supplement survey instrument Question 2). 

Although these households answered Question 1 on 

whether their household had a bank account, they were 

excluded from the remainder of the survey because of their 

lack of involvement in their household’s finances. Consequently, unless otherwise noted, these households were 

treated as missing/unknown observations in the preparation of tables reporting answers to supplement questions 

other than Question 1. 

Coverage and Response Rates 

The target universe for the CPS is all civilian non-institutionalized persons (aged 15 or older) residing in the 50 

states and the District of Columbia. In order to reach this 

universe, a list (sampling frame) of about 110 million 

households was developed from the Master Address File 

used for the 2000 Census, plus three additional frame 

sources (group quarters, area canvassing, and building 

permits). 

For the January 2009 CPS, a statistical sample of approximately 58,600 survey-eligible households was selected from 

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. 

FDIC National Survey of Unbanked and Underbanked Households ■ DECEMBER 2009 

1 

146
 

 

 

 

the sampling frame. Of these, about 53,900 households 

participated in the CPS, resulting in a 92 percent response 

rate. There were about 4,700 nonrespondent households. 

Most of these nonrespondents either refused to participate 

(57 percent of nonrespondents) or were not home at the 

time of the interview visit or call (26 percent). The 

remaining 17 percent consisted of households where (a) 

the household respondent was temporarily absent, (b) the 

household could not be located, (c) language barriers 

prevented the interview, or (d) “other” reasons. Because of 

the availability of translators for many languages, only 0.5 

percent of the nonrespondents (22 households) did not 

participate as a result of language barriers. 

About 46,500 (86 percent) of the 53,900 households 

participating in the CPS also participated in the 

Unbanked/Underbanked Supplement.3 The supplement 

survey response rates vary by demographic groups, ranging 

from 81 percent to 88 percent. 

Coverage ratios for the CPS are derived as a measure of 

the percentage of persons in the target universe (civilian 

non-institutionalized persons aged 15 or older in the 

United States) that are included in the sampling frame.4 

The overall coverage ratio for the January 2009 CPS was 

88 percent. The missing 12 percent consists of three 

groups: (1) persons residing in households that are not in 

the CPS sampling frame, (2) non-institutionalized persons 

not residing in households at the time the CPS was 

conducted, and (3) household residents that were not listed 

as household members for the CPS for various reasons. 

The coverage ratios varied across demographic groups. For 

example, the coverage ratio was 89 percent for whites, 80 

percent for blacks, and 86 percent for Hispanics. 

The weights calculated by the Census Bureau for the CPS 

and the Unbanked/Underbanked Supplement respondents 

were adjusted to account for both nonresponse and undercoverage. These weight adjustments help correct any biases 

in estimates because of nonresponse and undercoverage, so 

that results from the CPS are “representative” of the civilian, non-institutionalized U.S. population.5 

3 Taking into account the nonresponse to basic CPS questions, the overall response rate for the Unbanked/Underbanked Supplement Survey was 

79 percent. 

4 The coverage ratio is the weighted number of persons in a demographic 

group (after weights are adjusted to account for household nonresponse) 

divided by an independent count of persons in that demographic group 

(obtained from the 2000 Census with updates based on the American 

Community Survey). 

5 This adjustment is done by introducing three stages of ratio estimation 

that adjust weights to align with population control totals (independent 

population estimates for various demographic groups). The household 

weight is generally taken to be the weight of the householder/reference 

person. 

Analysis of Supplement Survey Results 

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 alternative financial service (non-bank money orders, non-bank checkcashing services, payday loans, rent-to-own services, or 

pawn shops) at least once or twice in the previous year, or 

that they had obtained a refund anticipation loan at least 

once in the previous five years.6 

The estimated proportion of U.S. households that are 

unbanked was derived by dividing the sum of the weights 

of the household respondents that were identified as being 

unbanked by the sum of the weights of all household 

respondents. The same formula was used to estimate the 

proportion of U.S. households that are underbanked. For 

estimated proportions of unbanked or underbanked households for demographic subgroups, the same computational 

approach was used and applied to respondent households 

in the subgroup. 

In addition to presenting estimated proportions, many of 

the tables in this report include estimated numbers of 

households (e.g., total households, unbanked households, 

or underbanked households). An estimated number of 

households for a given category (such as unbanked) is 

derived as the sum of the weights of the sample households 

in that category. For example, for the entire sample of 

about 46,500 households, the sum of the household 

weights is 118,574,000, which would be an estimate of all 

U.S. households as of January 2009. However, the Housing 

Vacancy Survey, another survey related to the CPS that 

uses household controls to produce household weights, 

provided an estimate of 110,552,000 as the number of 

households in January 2009. This difference (118,574,000 

vs. 110,552,000) is due to the fact that household weights 

prepared by Census for the CPS and for this supplement 

survey are generally taken to be the reference person 

weights and are not adjusted to align with household 

controls. Household controls were not used to adjust 

household weights because the CPS is a person survey 

rather than a household survey; therefore, universe 

controls were used only in the preparation of person 

weights. As a result, the sum of household weights shown 

in our tables for a category tends to be somewhat higher 

than the actual household count for the category. 

6 The different time frame for refund anticipation loans reflects the fact 

that these products are typically used only once a year, during tax preparation season. 

FDIC National Survey of Unbanked and Underbanked Households ■ DECEMBER 2009 147
 

 

There are a number of tables in this report for which 

unbanked percentages and other household statistics are 

computed for subgroups defined by a particular economic 

or demographic characteristic. The household classification of an economic or demographic variable that is 

defined at the person level rather than the household level 

(e.g., race, education, or employment status) is based on 

the economic or demographic classification of the householder/reference person (i.e., a person who owns or rents 

the home). 

The Census Bureau classifies households into different 

household 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 found 

in the CPS Glossary available at http://www.census.gov/ 

apsd/techdoc/cps/mar97/glossary.html. 

Households are categorized into racial-ethnic classifications as follows: If the householder was identified as black, 

the household was classified as “Black” regardless of 

whether the householder was identified as Hispanic or any 

other race. If the householder was not identified as black 

and is identified as Hispanic, the household was classified 

as “Hispanic Non-Black.” If the householder is identified as 

white and not any other race and non-Hispanic, then the 

household was 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. 

The counties included in some of the MSAs selected for 

the CPS do not correspond exactly to the counties 

included for these MSAs in the official definitions 

prepared by the Office of Management and Budget (OMB) 

for two basic reasons. 

First, in redesigning the CPS in a timely manner to incorporate results from the 2000 Decennial Census, the 

Census Bureau had to project revised MSA definitions 

prior to the release of the official OMB definitions in 2003. 

Therefore, in some cases, the Census Bureau included one 

or two counties in an MSA for the CPS that were not 

subsequently included in the official definition of the 

MSA. In other cases, the Census Bureau excluded one or 

two counties that were subsequently included in the official definitions of an MSA. In the latter case, the data for 

the MSA in the CPS (and in the unbanked/underbanked 

supplement) will not include any responses for one or two 

of the counties that are a part of the official definition of 

the MSA.7 

Second, since the CPS is a state-based design, MSAs that 

include counties in more than one state are subdivided 

into their respective state components for sampling 

purposes. Therefore, for some multi-state MSAs, the counties belonging to one or two of the states were not selected 

for the CPS sample, even though the counties making up 

the other portion of the MSA were selected. The larger 

portions are usually included in the CPS since they would 

be selected with certainty for their state sample because of 

their size (i.e., those larger portions would be “self-representing”). Also, for some multi-state MSAs, the part of the 

MSA contained in a given state is selected for the CPS 

sample but cannot be identified as belonging to the MSA 

(for confidentiality reasons) because it contains fewer than 

100,000 people. In such cases the respondents in that state 

usually would be identified as belonging to a metropolitan 

area, but the specific MSA would not be identified. 

Statistical Precision of Estimates 

Standard errors were calculated for certain Unbanked/ 

Underbanked Supplement Report estimates to indicate the 

precision of these estimates. For example, the standard 

error can be used to compute a 95 percent confidence 

interval for a survey estimate (this is generally computed as 

the estimate plus or minus two times the standard error). If 

the survey estimate of interest is a difference between estimates for different groups, the estimated standard error can 

be used to determine whether the observed difference is 

“statistically significant.” Differences discussed in this 

report are significant at the 10 percent level of significance. That is, if there were no difference in the true 

universe values of the two sample estimates being 

compared, the probability of obtaining sample estimates 

having this observed difference or a larger difference would 

be no more than 10 percent, and could be considerably 

less. 

The standard errors presented in the full report on the 

FDIC’s Unbanked/Underbanked Supplement were calculated based on the variation of a survey estimate across a 

set of 160 sample replicates provided by the Census 

Bureau. Details of the calculation of standard errors based 

7 In the former case, data for any counties that were not subsequently 

included in the official definition of an MSA are coded as 

non-metropolitan. 

FDIC National Survey of Unbanked and Underbanked Households ■ DECEMBER 2009 148
 

on sample replicates (and on the CPS methodology in 

general) are available from the Census Bureau.8 

For a detailed description of the methodology used to calculate standard errors using replicates see U.S Census Bureau Technical Paper No. 

66, Chapter 14, available at http://www.census.gov/prod/2006pubs/tp-66. 

pdf. 

FDIC National Survey of Unbanked and Underbanked Households ■ DECEMBER 2009 

8 

149
FDIC National Survey of Unbanked and Underbanked Households ■ DECEMBER 2009 150
 

Appendix E - Survey Instrument 

FDIC National Survey of Unbanked and Underbanked Households ■ DECEMBER 2009 151
 

Supplement Survey Instrument 

OMB No. 3064-0167 

Expiration Date: 12/31/2011 

FDIC National Survey of Unbanked and Underbanked Households 

1. Do you or does anyone in your household currently have a checking or savings account? 

Yes 

No 

DK/Refused (TERMINATE) 

1b. Which of the following best describes your household’s finances? (Read responses 1 through 3) 

The adults have shared finances (CONTINUE) 

The adults have some shared finances and some separate finances (CONTINUE) 

The adults have separate finances even though we share living space (IF Q1 YES, 

SKIP TO Q14, IF Q1 IS No, SKIP TO Q3) 

I am the only adult in the household (Volunteered) (IF Q1 YES, 

SKIP TO Q14, IF Q1 IS No, SKIP TO Q3) 

DK/Refused (CONTINUE) 

2. How much do you participate in making financial decisions for your household, a lot, some or not at all? 

A lot (CONTINUE) 

Some (CONTINUE) 

Not at all (TERMINATE) 

DK/Refused (TERMINATE) 

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3. Have you or anyone in your household ever had a checking or savings account? 

Yes (CONTINUE) 

No (SKIP TO INTRO Q7B) 

DK/Refused (SKIP TO INTRO Q7B) 

Q4-Q6 and Q7a, Q8a, Q9a, and Q10a are asked to those households that were previously banked, but closed their deposit 

account with a mainstream financial institution. 

4. When was the last time you or anyone in your household had a checking or savings account, was it – within the last 

year or more than 1 year ago? 

Within the last year (CONTINUE) 

More than 1 year ago (CONTINUE) 

DK/Refused (CONTINUE) 

5. Are you or anyone else in your household in the process of opening a new checking or savings account within the 

next few weeks? 

Yes (GO TO Q14) 

No (CONTINUE) 

DK/Refused (CONTINUE) 

6. Who made the decision to close the account? 

I, or someone in my household, closed the account (CONTINUE) 

The bank closed the account (SKIP TO Q11) 

DK/Refused (SKIP TO Q11) 

7a. Some people close their bank accounts mostly for reasons relating to customer service. Are any of the following 

reasons why the account was closed? 

(Read responses 1 through 6) (CHECK ALL THAT APPLY) 

The bank had inconvenient hours 

The bank was too far from home or work 

There was a language barrier at the bank 

The bank did not feel welcoming or comfortable 

The bank did not offer needed basic services like check cashing, OR 

Was there some other reason? (Specify) 

None of the preceding reasons (Volunteered) 

DK/Refused 

8a. Some people close their bank accounts mostly for financial reasons. Was the account closed for any of the following 

reasons? 

(Read responses 1 through 6) (CHECK ALL THAT APPLY) 

The minimum balance requirement of the bank account was too high 

The service charges of the bank account were too high 

Did not have enough money to need a bank account 

Bounced too many checks or had too many overdrafts 

The bank took too long to clear checks, OR 

Was there some other reason? (Specify) 

None of the preceding reasons (Volunteered) 

DK/Refused 

9a. Some people close their checking or savings accounts for other reasons. Was the account closed for any of the 

following reasons? 

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FDIC National Survey of Unbanked and Underbanked Households ■ DECEMBER 2009 153
 

(Read responses 1 through 5) (CHECK ALL THAT APPLY) 

Did not write enough checks to make it worthwhile to have a bank account 

Could not manage or balance the bank account 

Did not need or want a bank account 

Didn’t trust banks, OR 

Was there some other reason?(Specify) 

None of the preceding reasons (Volunteered) 

DK/Refused 

10a. You said that the main reasons for closing the bank account were __________ (Insert response for Q7a, Q8a and 

Q9a). Which of these was the number one reason for closing the account? (ALL RESPONDENTS SKIP TO Q11 

AFTER ANSWERING Q10A) 

The bank had inconvenient hours 

The bank was too far from home or work 

There was a language barrier at the bank 

Didn’t trust banks 

The bank did not feel comfortable or welcoming 

The minimum balance requirement of the bank account was too high 

The service charges of the bank account were too high 

Did not have enough money to need a bank account 

Bounced too many checks or had too many overdrafts 

The bank took too long to clear checks 

Did not write enough checks to make it worthwhile to have a bank account 

Could not manage or balance the bank account 

Did not need or want a bank account 

The bank did not offer needed basic services like check cashing 

None of these 

Could not pick a single reason 

DK/Refused 

Q7b, Q8b, Q9b, and Q10b relate to reasons why the household has never had an account in a mainstream financial 

institution. 

7b. Some people do not have a bank account for reasons relating to customer service. Are any of the following reasons 

why no one in your household has a bank account? 

(Read responses 1 through 6) (CHECK ALL THAT APPLY) 

Banks have inconvenient hours 

There is no bank near home or work 

There are language barriers at banks 

Banks do not feel comfortable or welcoming 

Banks do not offer needed basic services like check cashing, OR 

Was there some other reason? (Specify) 

None of the preceding reasons (Volunteered) 

DK/Refused 

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8b. Some people do not have a bank account for financial reasons. Are any of the following reasons why neither you or 

anyone in your household has a bank account? 

(Read responses 1 through 7) (CHECK ALL THAT APPLY) 

The minimum balance requirement of bank accounts is too high 

The service charges of bank accounts are too high 

Bounced too many checks or had too many overdrafts 

Banks take too long to clear checks 

Do not have enough money to need a bank account 

Credit problems, OR 

Was there some other reason?(Specify) 

None of the preceding reasons (Volunteered) 

DK/Refused 

9b. Some people do not have checking or savings accounts for other reasons. Are any of the following reasons why 

neither you or anyone in your household has a bank account? 

(Read responses 1 through 7) (CHECK ALL THAT APPLY) 

Do not write enough checks to make it worthwhile to have a bank account 

Could not manage or balance a bank account 

Do not trust banks 

Do not have the proper documents to open a bank account 

Do not know how to open a bank account 

Do not see the value of having a bank account, OR 

Was there some other reason? (Specify) 

None of the preceding reasons (Volunteered) 

DK/Refused 

10b. You said that the main reasons for not having a bank account are __________ (Insert response for Q7b, Q8b and 

Q9b). Which of these was the number one reason for not having an account? 

The banks have inconvenient hours 

There is no bank near home or work 

There are language barriers at banks 

Do not trust banks 

Banks do not feel comfortable or welcoming 

The minimum balance requirement of bank accounts is too high 

The service charges of bank accounts are too high 

Do not have enough money to need a bank account 

Do not write enough checks to make it worthwhile to have a bank account 

Could not manage or balance a bank account 

Do not have the proper documents to open a bank account 

Do not know how to open a bank account 

Banks do not offer needed basic services like check cashing 

Credit problems 

Do not see the value of having a bank account 

Bounced too many checks or had too many overdrafts 

Banks take too long to clear checks 

None of these 

Could not pick a single reason 

DK/Refused 

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Q11-Q13 apply to all unbanked households. 

11. How likely is it that you or anyone in your household will open a bank account in the future – very likely, somewhat 

likely, not too likely, or not likely at all? 

Very likely (CONTINUE) 

Somewhat likely (SKIP TO Q14) 

Not too likely (SKIP TO Q14) 

Not likely at all (SKIP TO Q14) 

DK/Refused (SKIP TO Q14) 

12. What is the main reason why you or someone in your household plan to open a bank account? 

(Read responses 1 through 6) 

To secure money 

To be able to write checks and pay bills 

To be able to apply for a loan or mortgage 

To save money for the future 

To take advantage of direct deposit of paychecks 

To send money to family and friends 

Other (Specify) 

DK/Refused 

13. When is this planed to occur – within the next year or a year or more from now? 

Within the next year 

A year or more from now 

DK/Refused 

Q14- Q31 apply to all households, regardless of their banking status. 

14. Have you or anyone in your household ever gone to a place other than a bank, a savings and loan or a credit union 

to cash a check that was received from someone else? 

Yes (CONTINUE) 

No (SKIP TO Q17) 

DK/Refused (SKIP TO Q17) 

15. How often do you or anyone in your household cash a check received from someone else at a place other than a 

bank? (Read responses 1 through 3) 

At least a few times a year 

Once or twice a year 

Almost never 

DK/Refused 

16. What is the main reason for cashing a check received from someone else at a place other than a bank? (Read 

responses 1 through 6) 

Don’t have a bank account 

To get money faster 

The place is more convenient 

A bank charges more to cash checks 

The place to cash checks asks for fewer id’s 

Feel more comfortable than at a bank 

Other (Specify) 

DK/Refused 

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17. Have you or anyone in your household ever purchased a money order at a place other than a bank, a savings and 

loan or a credit union? 

Yes (CONTINUE) 

No (SKIP TO Q20) 

DK/Refused (SKIP TO Q20) 

18. How often do you or anyone else in your household purchase money orders at a place other than a bank, a savings 

and loan or a credit union? (Read responses 1 through 3) 

At least a few times a year 

Once or twice a year 

Almost never 

DK/Refused 

19. What is the main reason for purchasing money orders at a place other than a bank? (Read responses 1 through 4) 

Banks do not sell money orders 

The place to purchase money orders is more convenient than a bank 

Banks charge more for money orders 

The place feels more comfortable than a bank 

Other (Specify) 

DK/Refused 

20. Have you or anyone in your household ever used payday loan or payday advance services? 

Yes (CONTINUE) 

No (SKIP TO Q23) 

I haven’t but I’m unsure about others in the household (Volunteered) (SKIP TO Q23) 

DK/Refused (SKIP TO Q23) 

21. How many times in the last 12 months did you or anyone in your household use payday loan or payday advance 

services? In answering this question, please count a rollover of a payday loan as a new loan and also count using a new 

payday loan to pay off an old one, as a separate new loan. 

(Input actual number) 

__________times in a year 

DK/Refused 

22. What is the main reason for using payday loan or payday advance services rather than a bank? (Read responses 1 

through 4) 

The payday loan service is more convenient 

It is easier to get a payday loan than to qualify for a bank loan 

A payday loan service feels more comfortable than using a bank 

Don’t qualify for a bank loan 

Other (Specify) 

DK/Refused 

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23. Have you or anyone in your household ever sold items at a pawn shop? 

Yes (CONTINUE) 

No (SKIP TO Q26) 

I haven’t but I’m unsure about others in the household (Volunteered) (SKIP TO Q26) 

DK/Refused (SKIP TO Q26) 

24. How often do you or anyone in your household sell items at pawn shops? (Read responses 1 through 3) 

At least a few times a year 

Once or twice a year 

Almost never 

DK/Refused 

25. What is the main reason for doing business at pawn shops as opposed to a bank, a savings and loan or a credit union? 

(Read responses 1 through 5) 

Banks don’t have small loans 

The pawn shop service is more convenient 

It is easier to get money from a pawn shop than to qualify for a bank loan 

More comfortable at a pawn shop than at a bank 

Don’t qualify for a bank loan 

Other (Specify) 

DK/Refused 

26. In the past five years, have you or anyone in your household taken out a tax refund anticipation loan? 

Yes 

No 

I haven’t but I’m unsure about others in the household (Volunteered) 

DK/Refused 

27. Have you or anyone in your household ever rented or leased anything from a rent-to-own store because it couldn’t 

be financed any other way? 

Yes 

No (SKIP TO Q29) 

I haven’t but I’m unsure about others in the household (Volunteered) (SKIP TO Q29) 

DK/Refused (SKIP TO Q29) 

28. How many times did you or anyone in your household do business at a rent-to-own store? (Read responses 1-3) 

At least a few times a year 

Once or twice a year 

Almost never 

DK/Refused 

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Q29 is only asked if respondent answered yes to Q20, Q23, Q26 or Q27 

29. Thinking about the past 12 months, what was the MAIN reason you or anyone in your household needed a payday 

loan, tax refund anticipation loan, a rent-to–own credit agreement or visited a pawn shop? Was it: 

(Read responses 1 through 7) 

To make up for lost income 

For basic living expenses 

For house repairs or to buy an appliance 

For medical expenses 

For car repairs 

For school or childcare expenses 

For special gifts or luxuries 

Other (Volunteered, Specify) 

Offered multiple reasons – would not pick 1 main reason (Volunteered) 

DK/Refused 

30. Do you or anyone in your household receive payment for wages by having the employer deposit the salary onto a 

payroll card instead of paying via cash or check? 

Yes 

No 

DK/Refused 

31. Now I have a question about pre-paid debit cards that may have logos such as MasterCard, VISA, Discover or 

American Express. You can keep adding money onto this card and use it to make purchases and pay bills anywhere 

credit cards are accepted or withdraw the cash from an ATM. We are not talking about phone cards, gift cards for a 

particular store or service or cards that you cannot add more funds onto. 

Have you or anyone in your household ever used pre-paid cards such as those we have described? 

Yes 

No 

DK/Refused 

<END> 

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ESTIMATED REPORTING BURDEN 

Public reporting burden for this collection of information is estimated to average 10 minutes per response. Send 

comments regarding this burden estimate or any other aspect of this collection of information, including suggestions for 

reducing this burden, to the Paper Reduction Act Clearance Officer, Legal Division, Federal Deposit Insurance Corporation, 550 17th Street, N.W., Washington, D.C. 20429; and to the Office of Management and Budget, Paperwork Reduction Project (3064-0072), Washington, D.C. 20503. An agency may not conduct or sponsor, and a person is not 

required to respond to, a collection of information unless it displays a currently valid OMB control number. 

FDIC FORM NO. 6494/03 (12-08) 

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