FEDERAL DEPOSIT INSURANCE CORPORATION

How America Banks: 

Household Use of Banking and 

Financial Services

2019 FDIC Survey

Appendix Tables

ECONOMICINCLUSION.GOV

2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | III

Appendix Table of Contents

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

B. Bank Account Ownership: Banked Households................................................................................................................................................. 20

C. Prepaid Cards....................................................................................................................................................................................................... 54

D. Nonbank Financial Transaction Services............................................................................................................................................................ 60

E. Bank and Nonbank Credit................................................................................................................................................................................... 82

How America Banks: 

Household Use of Banking and Financial Services

2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | V

List of Appendix Tables

A. Bank Account Ownership: Unbanked Households

A.1 Distribution of Households by Characteristics and Year, 2015–2019 ......................................................................................................... 1

A.2 Unbanked Rates by Household Characteristics, 2015–2019 ...................................................................................................................... 3

A.3 Unbanked Rates by State, 2015–2019.......................................................................................................................................................... 5

A.4 Unbanked Rates by MSA, 2015–2019........................................................................................................................................................... 7

A.5 Monthly Income Volatility by Level of Income, 2019 .................................................................................................................................. 9

A.6 Interest in Having a Bank Account, Among Unbanked Households, by Previous Bank Account Ownership and Household 

Characteristics, 2019 .................................................................................................................................................................................... 9

A.7 All Reasons for Not Having a Bank Account, Among Unbanked Households, by Previous Bank Account Ownership, 2019 ................ 12

A.8 Main Reason for Not Having a Bank Account, Among Unbanked Households, by Previous Bank Account Ownership, 2019 .............. 13

A.9 All Reasons for Not Having a Bank Account, Among Unbanked Households, by Interest in Having a Bank Account, 2019 ................. 14

A.10 Main Reason for Not Having a Bank Account, Among Unbanked Households, by Interest in Having a Bank Account, 2019 ............... 15

A.11 Satisfaction With Most Recent Bank, Among Unbanked Households That Had Previously Been Banked, by Recent Bank 

Account Ownership and Household Characteristics, 2019 ....................................................................................................................... 16

A.12 Perceptions of Clarity of Banks’ Communications About Account Fees, Among Unbanked Households That Had Previously 

Been Banked, by Recent Bank Account Ownership and Household Characteristics, 2019 .................................................................... 18

B. Bank Account Ownership: Banked Households

B.1 Primary Method Used to Access Bank Accounts by Household Characteristics, 2019 ............................................................................ 20

B.2 Bank Teller as Primary Method of Bank Account Access by Household Characteristics, 2015–2019 ..................................................... 22

B.3 ATM/Kiosk as Primary Method of Bank Account Access by Household Characteristics, 2015–2019 ...................................................... 24

B.4 Telephone Banking as Primary Method of Bank Account Access by Household Characteristics, 2015–2019 ....................................... 26

B.5 Online Banking as Primary Method of Bank Account Access by Household Characteristics, 2015–2019 .............................................. 28

B.6 Mobile Banking as Primary Method of Bank Account Access by Household Characteristics, 2015–2019 .............................................. 30

B.7 Did Not Visit a Bank Branch, Among Banked Households, by Household Characteristics, 2017–2019 ................................................. 32

B.8 Visited a Bank Branch One to Four Times, Among Banked Households, by Household Characteristics, 2017–2019 ........................... 34

B.9 Visited a Bank Branch Five to Nine Times, Among Banked Households, by Household Characteristics, 2017–2019 ........................... 36

B.10 Visited a Bank Branch Ten or More Times, Among Banked Households, by Household Characteristics, 2017–2019 ........................... 38

B.11 Number of Bank Branch Visits, Among Banked Households That Visited a Branch, by Household Characteristics, 2019 ................... 40

B.12 Number of Bank Branch Visits, Among Unbanked Households, by Previous Bank Account Ownership and Household 

Characteristics, 2019 .................................................................................................................................................................................. 42

B.13 Mobile Phone Access by Bank Account Ownership and Household Characteristics, 2015–2019 ........................................................... 44

B.14 Smartphone Access by Bank Account Ownership and Household Characteristics, 2015–2019 ............................................................. 46

B.15 Home Internet Access by Bank Account Ownership and Household Characteristics, 2015–2019 ......................................................... 48

B.16 Satisfaction With Primary Bank, Among Banked Households, by Household Characteristics, 2019 ..................................................... 50

B.17 Perceptions of Clarity of Own Bank’s Communication About Account Fees, Among Banked Households, by Household 

Characteristics, 2019 .................................................................................................................................................................................. 52

How America Banks: 

Household Use of Banking and Financial Services
VI | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

C. Prepaid Cards

C.1 Prepaid Card Use by Bank Account Ownership and Household Characteristics, 2015–2019 ................................................................. 54

C.2 Prepaid Card Use by State, 2015–2019 ...................................................................................................................................................... 56

C.3 Prepaid Card Use by MSA, 2015–2019 ....................................................................................................................................................... 58

D. Nonbank Financial Transaction Services

D.1 Specific Nonbank Financial Transaction Service Use by Bank Account Ownership and Household Characteristics, 2019.................. 60

D.2 Specific Nonbank Financial Transaction Service Use by State, 2019 ....................................................................................................... 63

D.3 Specific Nonbank Financial Transaction Service Use by MSA, 2019 ........................................................................................................ 65

D.4 Nonbank Money Order Use by Bank Account Ownership and Household Characteristics, 2015–2019 ................................................. 68

D.5 Nonbank Check Cashing Use by Bank Account Ownership and Household Characteristics, 2015–2019 .............................................. 70

D.6 Nonbank International Remittance Use by Bank Account Ownership and Household Characteristics, 2015–2019 ............................. 72

D.7 Frequency of Nonbank Money Order Use by Bank Account Ownership and Household Characteristics, 2019 .................................... 74

D.8 Frequency of Nonbank Check Cashing Use by Bank Account Ownership and Household Characteristics, 2019 ................................. 76

D.9 Frequency of Nonbank International Remittance Use by Bank Account Ownership and Household Characteristics, 2019 ................ 78

D.10 Frequency of Nonbank Bill Payment Service Use by Bank Account Ownership and Household Characteristics, 2019 ........................ 80

E. Bank and Nonbank Credit

E.1 Specific Bank Credit Product Use by Bank Account Ownership and Household Characteristics, 2019 ................................................. 82

E.2 Specific Bank Credit Product Use by State, 2019...................................................................................................................................... 84

E.3 Specific Bank Credit Product Use by MSA, 2019 ....................................................................................................................................... 86

E.4 Specific Nonbank Credit Product Use by Bank Account Ownership and Household Characteristics, 2019 .......................................... 88

E.5 Specific Nonbank Credit Product Use by State, 2019 ............................................................................................................................... 90

E.6 Specific Nonbank Credit Product Use by MSA, 2019................................................................................................................................. 92

E.7 Ownership of Visa, MasterCard, American Express, or Discover Credit Cards by Bank Account Ownership and Household 

Characteristics, 2015–2019 ........................................................................................................................................................................ 95

E.8 Applied for Credit Card or Bank Personal Loan by Bank Account Ownership and Household Characteristics, 2015–2019 ................. 97

E.9 Did Not Apply for Credit Card or Bank Personal Loan Because of Concerns About Being Turned Down by Bank Account 

Ownership and Household Characteristics, 2015–2019 ........................................................................................................................... 99

E.10 Denied or Not Given as Much Credit as Requested, Among Households That Had Applied for Credit Card or Bank Personal 

Loan, by Bank Account Ownership and Household Characteristics, 2015–2019 .................................................................................. 101

E.11 Nonbank Credit Use by Bank Account Ownership and Household Characteristics, 2015–2019 .......................................................... 103

E.12 Bank Credit Demand Measures by State, 2019........................................................................................................................................ 105

E.13 Bank Credit Demand Measures by MSA, 2019......................................................................................................................................... 106

E.14 Rates of Saving for Unexpected Expenses or Emergencies by Bank Account Ownership and Household Characteristics, 

2015–2019 ................................................................................................................................................................................................. 109

E.15 Rates of Saving for Unexpected Expenses or Emergencies by State, 2015–2019 .................................................................................. 111

E.16 Rates of Saving for Unexpected Expenses or Emergencies by MSA, 2015–2019 ................................................................................... 113

How America Banks: 

Household Use of Banking and Financial Services


2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 1

A.1 Distribution of Households by Characteristics and Year, 2015–2019

For All Households, Column Percent

Characteristics 2015 2017 2019

Number of Households (1000s) 127,538 129,276 131,248

Percent of Households 100.0 100.0 100.0

Family Income (Percent)

Less Than $15,000 14.1 12.4 10.7

$15,000 to $30,000 16.8 15.3 14.4

$30,000 to $50,000 19.9 19.8 18.8

$50,000 to $75,000 18.0 18.4 18.2

At Least $75,000 31.2 34.1 37.9

Education (Percent)

No High School Diploma 10.8 9.6 8.7

High School Diploma 26.1 25.8 24.9

Some College 29.4 28.9 28.3

College Degree 33.7 35.7 38.1

Age Group (Percent)

15 to 24 Years 5.2 5.1 4.8

25 to 34 Years 16.5 16.2 16.3

35 to 44 Years 17.0 16.7 17.0

45 to 54 Years 18.6 18.0 17.0

55 to 64 Years 18.8 18.9 18.6

65 Years or More 23.9 25.0 26.2

Race/Ethnicity (Percent)

Black 12.7 12.8 12.7

Hispanic 13.5 13.8 14.0

Asian 4.7 5.0 5.3

American Indian or Alaska Native 0.7 0.8 0.7

Native Hawaiian or Other Pacific Islander 0.2 0.3 0.2

White 67.0 66.2 65.6

Two or More Races 1.2 1.2 1.3

Disability Status (Percent)

Disabled, Aged 25 to 64 9.0 8.7 8.1

Not Disabled, Aged 25 to 64 61.9 61.1 60.9

Not Applicable (Not Aged 25 to 64) 29.1 30.2 31.0

Monthly Income Volatility (Percent)

Income Was About the Same Each Month 71.8 71.3 77.7

Income Varied Somewhat From Month to Month 16.3 16.2 18.3

Income Varied a Lot From Month to Month 4.5 3.9 4.1

Unknown 7.3 8.7

Employment Status (Percent)

Employed 61.3 61.4 62.1

Unemployed 3.0 2.7 2.2

Not in Labor Force 35.7 35.9 35.7
2 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

A.1 Distribution of Households by Characteristics and Year, 2015–2019 (continued)

For All Households, Column Percent

Characteristics 2015 2017 2019

Homeownership (Percent)

Homeowner 63.3 63.6 64.5

Non-Homeowner 36.7 36.4 35.5

Household Type (Percent)

Married Couple 46.7 47.3 46.5

Unmarried Female-Headed Family 12.5 11.7 11.6

Unmarried Male-Headed Family 4.8 5.1 5.0

Female Individual 18.4 18.8 19.0

Male Individual 17.3 16.8 17.7

Other 0.2 0.3 0.2

Citizenship and Place of Birth (Percent)

U.S.-Born 85.2 85.3 85.1

Foreign-Born Citizen 7.6 7.8 8.6

Foreign-Born Noncitizen 7.2 6.9 6.3

Metropolitan Status (Percent)

Metropolitan Area - Principal City 28.6 29.8 29.2

Metropolitan Area - Balance 42.8 42.8 43.6

Not in Metropolitan Area 14.0 13.4 13.0

Not Identified 14.5 14.0 14.2

Geographic Region (Percent)

Northeast 17.8 17.6 17.2

Midwest 21.7 21.4 21.6

South 37.9 38.2 38.3

West 22.6 22.8 22.9

Missing values for monthly income volatility in 2019 were imputed; see Appendix 1 (FDIC Technical Notes) for details.
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 3

A.2 Unbanked Rates by Household Characteristics, 2015–2019

For All Households

Characteristics 2015 

(Percent)

2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

All 7.0 6.5 5.4 (5.1, 5.6) -1.1* (-1.5, -0.8)

Family Income

Less Than $15,000 25.6 25.7 23.3 (21.9, 24.7) -2.5* (-4.3, -0.7)

$15,000 to $30,000 11.8 12.3 10.4 (9.6, 11.4) -1.8* (-3.2, -0.4)

$30,000 to $50,000 5.0 5.1 4.6 (4.0, 5.2) -0.5 (-1.2, 0.3)

$50,000 to $75,000 1.6 1.5 1.7 (1.4, 2.1) 0.3 (-0.2, 0.7)

At Least $75,000 0.5 0.6 0.6 (0.4, 0.7) 0.0 (-0.2, 0.2)

Education

No High School Diploma 23.2 22.4 21.4 (19.8, 23.0) -1.0 (-3.1, 1.0)

High School Diploma 9.7 9.4 8.1 (7.5, 8.7) -1.4* (-2.3, -0.5)

Some College 5.5 5.1 4.3 (3.9, 4.7) -0.9* (-1.4, -0.3)

College Degree 1.1 1.3 0.8 (0.7, 1.0) -0.5* (-0.7, -0.2)

Age Group

15 to 24 Years 13.1 10.0 8.8 (7.4, 10.4) -1.2 (-3.3, 1.0)

25 to 34 Years 10.6 8.5 6.9 (6.3, 7.6) -1.6* (-2.7, -0.6)

35 to 44 Years 8.9 7.8 6.3 (5.6, 7.0) -1.5* (-2.4, -0.6)

45 to 54 Years 6.7 6.9 5.1 (4.6, 5.7) -1.8* (-2.6, -0.9)

55 to 64 Years 5.8 5.9 5.5 (4.9, 6.1) -0.5 (-1.2, 0.3)

65 Years or More 3.1 3.9 3.3 (3.0, 3.7) -0.6* (-1.1, -0.1)

Race/Ethnicity

Black 18.5 16.8 13.8 (12.7, 15.1) -2.9* (-4.7, -1.2)

Hispanic 16.3 14.4 12.2 (11.2, 13.2) -2.2* (-3.8, -0.6)

Asian 3.9 2.6 1.7 (1.1, 2.5) -1.0 (-2.1, 0.1)

American Indian or Alaska Native 15.3 18.0 16.3 (12.1, 21.6) -1.7 (-7.3, 3.9)

Native Hawaiian or Other 

Pacific Islander 10.3 2.8 NA NA NA NA

White 3.1 3.0 2.5 (2.3, 2.7) -0.6* (-0.8, -0.3)

Two or More Races 7.9 8.5 4.9 (3.2, 7.5) -3.5* (-6.8, -0.3)

Disability Status

Disabled, Aged 25 to 64 17.6 18.1 16.2 (14.7, 17.8) -1.9 (-3.9, 0.1)

Not Disabled, Aged 25 to 64 6.5 5.7 4.5 (4.3, 4.8) -1.1* (-1.6, -0.7)

Not Applicable (Not Aged 25 to 64) 4.9 4.9 4.2 (3.8, 4.5) -0.8* (-1.3, -0.2)

Monthly Income Volatility

Income Was About the Same 

Each Month 5.7 5.6 4.9 (4.6, 5.1) -0.8* (-1.2, -0.4)

Income Varied Somewhat From 

Month to Month 8.7 6.8 6.4 (5.8, 7.1) -0.4 (-1.4, 0.6)

Income Varied a Lot From Month 

to Month 12.9 13.2 10.7 (9.1, 12.6) -2.5 (-4.9, 0.0)
4 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

A.2 Unbanked Rates by Household Characteristics, 2015–2019 (continued)

For All Households

Characteristics 2015 

(Percent)

2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

Employment Status

Employed 5.0 4.5 3.6 (3.4, 3.9) -0.9* (-1.3, -0.5)

Unemployed 23.0 19.9 13.2 (10.9, 15.7) -6.7* (-10.5, -3.0)

Not in Labor Force 9.2 9.0 8.0 (7.5, 8.5) -1.0* (-1.7, -0.3)

Homeownership

Homeowner 2.3 2.3 1.9 (1.7, 2.1) -0.4* (-0.7, -0.1)

Non-Homeowner 15.2 14.0 11.8 (11.1, 12.4) -2.2* (-3.0, -1.4)

Household Type

Married Couple 3.3 2.5 2.1 (1.9, 2.4) -0.4* (-0.8, 0.0)

Unmarried Female-Headed 

Family 16.2 15.4 11.1 (10.2, 12.1) -4.3* (-5.6, -2.9)

Unmarried Male-Headed Family 9.8 9.9 7.6 (6.4, 9.1) -2.2* (-4.2, -0.3)

Female Individual 6.8 7.6 5.8 (5.3, 6.4) -1.8* (-2.5, -1.0)

Male Individual 9.8 9.2 8.7 (7.9, 9.5) -0.5 (-1.5, 0.5)

Other NA NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 6.1 5.9 4.8 (4.6, 5.1) -1.0* (-1.4, -0.7)

Foreign-Born Citizen 4.6 4.8 3.8 (3.1, 4.6) -1.0 (-2.1, 0.1)

Foreign-Born Noncitizen 20.3 16.2 14.6 (13.2, 16.1) -1.6 (-3.8, 0.5)

Metropolitan Status

Metropolitan Area - Principal City 10.3 9.4 8.1 (7.6, 8.7) -1.3* (-2.1, -0.4)

Metropolitan Area - Balance 5.2 4.5 3.7 (3.4, 4.0) -0.9* (-1.3, -0.4)

Not in Metropolitan Area 7.6 7.5 6.2 (5.6, 6.9) -1.2* (-2.2, -0.3)

Not Identified 5.4 5.6 4.2 (3.6, 4.9) -1.4* (-2.2, -0.5)

Geographic Region

Northeast 6.3 6.0 4.7 (4.1, 5.3) -1.3* (-2.1, -0.4)

Midwest 5.7 5.4 5.0 (4.5, 5.5) -0.4 (-1.2, 0.3)

South 8.7 7.7 6.2 (5.8, 6.7) -1.5* (-2.1, -0.9)

West 5.9 6.0 4.9 (4.3, 5.5) -1.1* (-1.9, -0.4)

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

produce a precise estimate.
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 5

A.3 Unbanked Rates by State, 2015–2019

For All Households

Geography 2015 

(Percent)

2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

All 7.0 6.5 5.4 (5.1, 5.6) -1.1* (-1.5, -0.8)

State

AL 12.5 8.7 7.6 (5.6, 10.1) -1.2 (-4.0, 1.7)

AK 3.5 2.6 3.4 (2.0, 5.5) 0.8 (-1.1, 2.7)

AZ 8.5 5.4 4.0 (2.6, 6.2) -1.4 (-4.2, 1.5)

AR 9.7 7.5 7.1 (5.2, 9.8) -0.3 (-3.0, 2.3)

CA 6.2 7.4 5.6 (4.8, 6.6) -1.8* (-3.2, -0.5)

CO 4.4 4.2 3.3 (1.7, 6.3) -0.9 (-3.5, 1.6)

CT 6.2 5.5 8.4 (5.3, 13.0) 2.8 (-1.4, 7.1)

DE 4.8 5.9 2.8 (1.2, 6.4) -3.1 (-6.5, 0.4)

DC 10.8 8.0 8.0 (6.0, 10.6) 0.0 (-3.3, 3.3)

FL 5.9 6.0 3.8 (2.9, 4.9) -2.2* (-3.6, -0.9)

GA 11.9 10.6 7.4 (5.9, 9.3) -3.2* (-5.9, -0.6)

HI 2.4 4.0 3.0 (1.7, 5.3) -1.0 (-3.4, 1.3)

ID 3.6 2.3 4.0 (2.7, 6.0) 1.7 (-0.7, 4.1)

IL 7.1 7.0 6.6 (5.0, 8.6) -0.4 (-2.6, 1.9)

IN 4.8 4.4 4.5 (3.3, 6.1) 0.0 (-2.1, 2.2)

IA 4.2 3.0 2.6 (1.5, 4.4) -0.4 (-2.7, 1.9)

KS 7.6 7.2 5.5 (3.9, 7.7) -1.6 (-4.7, 1.4)

KY 9.0 7.2 6.5 (5.0, 8.3) -0.8 (-3.0, 1.5)

LA 14.0 14.8 11.4 (9.1, 14.1) -3.5* (-6.3, -0.6)

ME 2.3 4.0 2.3 (1.4, 3.7) -1.7 (-4.1, 0.6)

MD 4.8 2.5 3.8 (2.2, 6.6) 1.3 (-1.2, 3.8)

MA 5.7 2.6 3.7 (2.6, 5.3) 1.1 (-0.7, 2.8)

MI 6.0 5.6 5.7 (4.2, 7.6) 0.1 (-2.2, 2.4)

MN 3.4 1.5 2.8 (1.6, 4.9) 1.3 (-0.6, 3.3)

MS 12.6 15.8 12.8 (10.3, 15.8) -3.1 (-6.4, 0.2)

MO 8.5 6.3 6.2 (4.7, 8.1) -0.1 (-2.3, 2.1)

MT 4.0 4.3 4.0 (3.0, 5.5) -0.3 (-2.3, 1.8)

NE 5.1 2.8 6.5 (5.0, 8.4) 3.7* (1.3, 6.2)

NV 8.9 6.1 6.3 (4.4, 8.9) 0.2 (-2.6, 3.0)

NH 1.8 3.4 0.5 (0.1, 2.1) -2.9* (-4.7, -1.1)

NJ 7.4 5.0 4.0 (2.9, 5.7) -1.0 (-3.2, 1.2)

NM 9.4 11.4 8.7 (6.3, 11.8) -2.7* (-4.8, -0.6)

NY 8.0 8.7 5.6 (4.6, 6.9) -3.1* (-4.9, -1.3)

NC 7.7 5.8 3.4 (2.5, 4.4) -2.4* (-4.5, -0.3)

ND 3.0 6.3 4.9 (2.7, 8.6) -1.4 (-5.1, 2.2)
6 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

A.3 Unbanked Rates by State, 2015–2019 (continued)

For All Households

Geography 2015 

(Percent)

2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

OH 5.8 7.0 4.6 (3.5, 6.1) -2.4* (-4.3, -0.5)

OK 11.0 7.3 8.8 (6.7, 11.4) 1.5 (-1.2, 4.2)

OR 5.1 4.2 3.8 (2.7, 5.4) -0.4 (-2.3, 1.6)

PA 4.7 4.7 4.0 (3.0, 5.4) -0.7 (-2.6, 1.2)

RI 5.0 6.5 4.4 (2.5, 7.6) -2.1 (-5.7, 1.4)

SC 8.9 6.7 5.2 (3.4, 7.8) -1.6 (-3.9, 0.8)

SD 4.2 8.1 4.9 (2.3, 10.0) -3.3* (-6.4, -0.2)

TN 10.8 7.5 8.1 (6.5, 10.1) 0.6 (-2.1, 3.4)

TX 9.4 9.5 7.7 (6.5, 9.1) -1.8* (-3.4, -0.2)

UT 3.9 2.5 0.8 (0.3, 2.1) -1.7* (-3.2, -0.2)

VT 1.5 1.5 0.7 (0.3, 1.8) -0.7 (-1.8, 0.4)

VA 4.6 3.0 4.4 (3.1, 6.0) 1.4 (-0.7, 3.4)

WA 4.1 3.1 4.6 (3.0, 7.1) 1.5 (-0.6, 3.7)

WV 8.0 7.8 4.7 (3.5, 6.3) -3.1* (-4.9, -1.3)

WI 3.4 3.4 2.9 (1.8, 4.7) -0.5 (-2.9, 1.9)

WY 2.4 4.8 3.6 (2.1, 6.1) -1.2 (-3.6, 1.2)

Asterisk indicates differences that are statistically significant at the 10 percent level.
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 7

A.4 Unbanked Rates by MSA, 2015–2019

For All Households

Geography 2015 

(Percent)

2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

All 7.0 6.5 5.4 (5.1, 5.6) -1.1* (-1.5, -0.8)

MSA

Albuquerque, NM 8.6 7.8 4.1 (2.5, 6.8) -3.7* (-7.0, -0.4)

Atlanta-Sandy Springs-Roswell, GA~ 10.1 7.5 5.0 (3.3, 7.5) -2.5 (-5.5, 0.5)

Austin-Round Rock, TX 8.6 3.8 0.7 (0.1, 5.7) -3.1* (-5.9, -0.2)

Baltimore-Columbia-Towson, MD 5.9 1.8 5.5 (2.7, 11.0) 3.7 (-0.5, 7.9)

Baton Rouge, LA 14.3 10.8 9.0 (4.9, 15.9) -1.8 (-9.7, 6.0)

Birmingham-Hoover, AL 12.3 13.3 9.3 (5.4, 15.5) -4.0 (-12.3, 4.3)

Boise City, ID 2.6 0.9 4.9 (2.5, 9.5) 4.0* (0.6, 7.4)

Boston-Cambridge-Newton, MA-NH~ 4.3 3.2 3.6 (2.4, 5.5) 0.4 (-1.7, 2.5)

Burlington-South Burlington, VT~ 1.7 1.7 –

Charleston, WV~ NA NA 2.5 (1.0, 6.1) NA NA

Charlotte-Concord-Gastonia, NC-SC~ 7.3 5.3 2.2 (0.9, 5.1) -3.1 (-6.3, 0.0)

Chicago-Naperville-Elgin, IL-IN-WI 8.1 6.9 7.3 (5.4, 9.8) 0.4 (-2.3, 3.1)

Cincinnati, OH-KY-IN~ 7.8 6.2 2.6 (0.9, 6.9) -3.6 (-8.8, 1.5)

Cleveland-Elyria, OH 11.0 6.4 3.5 (1.5, 8.3) -2.9 (-7.1, 1.2)

Columbus, OH~ 1.4 5.5 5.8 (3.2, 10.1) 0.3 (-4.7, 5.3)

Dallas-Fort Worth-Arlington, TX~ 5.5 6.1 7.1 (5.1, 10.0) 1.1 (-2.1, 4.2)

Denver-Aurora-Lakewood, CO 5.2 5.7 3.1 (1.0, 9.6) -2.5 (-6.9, 1.8)

Detroit-Warren-Dearborn, MI 8.0 6.9 8.8 (6.1, 12.6) 1.9 (-2.4, 6.3)

Fargo, ND-MN 1.8 6.4 1.4 (0.3, 6.1) -5.0* (-8.7, -1.3)

Hartford-West Hartford-East Hartford, 

CT~ 9.3 5.2 11.6 (5.1, 24.1) 6.4 (-2.9, 15.6)

Houston-The Woodlands-Sugar Land, 

TX~ 10.4 11.8 10.4 (7.7, 13.8) -1.4 (-5.0, 2.2)

Indianapolis-Carmel-Anderson, IN~ 8.5 6.4 6.4 (3.8, 10.4) -0.1 (-4.6, 4.4)

Jackson, MS~ 12.5 17.2 17.1 (10.8, 26.0) -0.1 (-9.5, 9.2)

Kansas City, MO-KS~ 5.0 6.2 5.8 (3.2, 10.1) -0.4 (-4.6, 3.7)

Las Vegas-Henderson-Paradise, NV 10.1 6.8 5.5 (3.4, 8.9) -1.3 (-4.8, 2.1)

Little Rock-North Little Rock-Conway, 

AR 11.2 7.2 5.1 (2.5, 9.9) -2.2 (-6.6, 2.2)

Los Angeles-Long Beach-Anaheim, CA 8.6 9.0 7.1 (5.6, 9.1) -1.9 (-4.3, 0.6)

Louisville/Jefferson County, KY-IN~ 10.1 3.0 4.8 (2.6, 8.7) 1.8 (-1.6, 5.1)

Manchester-Nashua, NH~ 4.3 5.2 1.1 (0.1, 8.3) -4.0 (-8.2, 0.2)

Memphis, TN-MS-AR~ 17.2 16.7 17.0 (12.5, 22.6) 0.3 (-7.2, 7.8)

Miami-Fort Lauderdale-West Palm 

Beach, FL 7.4 8.0 3.9 (2.3, 6.6) -4.1* (-7.1, -1.0)

Milwaukee-Waukesha-West Allis, WI 7.1 6.6 5.9 (3.1, 11.0) -0.7 (-6.3, 4.9)

Minneapolis-St. Paul-Bloomington, 

MN-WI~ 4.5 1.5 3.3 (1.7, 6.5) 1.8 (-0.8, 4.4)
8 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

A.4 Unbanked Rates by MSA, 2015–2019 (continued)

For All Households

Geography 2015 

(Percent)

2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

Nashville-Davidson-MurfreesboroFranklin, TN~ 9.9 5.0 5.3 (2.4, 11.3) 0.3 (-4.9, 5.4)

New Orleans-Metairie, LA~ 17.4 14.7 9.8 (6.4, 14.8) -4.9 (-11.9, 2.1)

New York-Newark-Jersey City, NY-NJPA~ 8.9 7.9 5.8 (4.8, 7.1) -2.1* (-3.8, -0.4)

Oklahoma City, OK 13.3 5.7 9.3 (5.7, 14.6) 3.6 (-1.8, 9.0)

Omaha-Council Bluffs, NE-IA 2.9 2.8 4.0 (2.2, 7.1) 1.2 (-1.7, 4.1)

Orlando-Kissimmee-Sanford, FL 4.3 3.4 3.5 (1.3, 8.6) 0.1 (-3.6, 3.8)

Philadelphia-Camden-Wilmington, 

PA-NJ-DE-MD 4.1 5.9 5.2 (3.4, 7.7) -0.7 (-3.8, 2.4)

Phoenix-Mesa-Scottsdale, AZ 10.6 6.9 3.6 (2.1, 6.1) -3.4* (-6.6, -0.1)

Pittsburgh, PA 7.3 3.9 3.4 (1.5, 7.4) -0.5 (-4.4, 3.4)

Portland-South Portland, ME~ 1.8 5.9 1.6 (0.4, 6.0) -4.3 (-9.7, 1.1)

Portland-Vancouver-Hillsboro, OR-WA 5.0 3.0 2.5 (1.1, 5.7) -0.5 (-3.0, 1.9)

Providence-Warwick, RI-MA~ 5.7 5.4 4.8 (2.7, 8.3) -0.6 (-3.7, 2.6)

Riverside-San Bernardino-Ontario, CA 8.2 9.1 7.0 (4.5, 10.7) -2.1 (-6.1, 2.0)

Sacramento-Roseville-Arden-Arcade, 

CA 3.5 3.6 2.5 (0.8, 7.4) -1.1 (-4.8, 2.5)

St. Louis, MO-IL~ 8.0 7.5 3.4 (1.8, 6.4) -4.1* (-7.8, -0.3)

Salt Lake City, UT~ 2.0 3.2 1.1 (0.3, 4.1) -2.1 (-4.7, 0.4)

San Antonio-New Braunfels, TX 11.3 10.4 6.6 (4.1, 10.7) -3.8 (-9.3, 1.8)

San Diego-Carlsbad, CA 3.1 3.0 4.0 (2.4, 6.8) 1.0 (-1.8, 3.8)

San Francisco-Oakland-Hayward, CA 2.1 4.8 2.8 (1.4, 5.4) -2.0 (-5.0, 1.0)

San Jose-Sunnyvale-Santa Clara, CA NA 3.7 1.9 (0.5, 7.7) -1.8 (-5.5, 2.0)

Seattle-Tacoma-Bellevue, WA 2.6 1.8 2.6 (1.5, 4.5) 0.8 (-1.2, 2.7)

Sioux Falls, SD 1.9 4.9 2.1 (0.3, 14.9) -2.8 (-7.8, 2.2)

Tampa-St. Petersburg-Clearwater, FL 4.6 8.0 1.0 (0.2, 4.3) -7.0* (-10.7, -3.3)

Tucson, AZ 5.9 NA 5.8 (2.8, 11.5) NA NA

Tulsa, OK 11.3 5.1 8.8 (4.8, 15.5) 3.7 (-2.3, 9.8)

Urban Honolulu, HI 1.6 4.1 3.2 (1.6, 6.1) -0.9 (-3.7, 1.8)

Virginia Beach-Norfolk-Newport 

News, VA-NC~ 2.9 4.9 6.4 (3.3, 12.0) 1.4 (-4.3, 7.2)

Washington-Arlington-Alexandria, 

DC-VA-MD-WV~ 3.9 2.6 3.2 (2.1, 5.0) 0.7 (-1.1, 2.4)

Wichita, KS~ 12.5 12.9 6.6 (3.5, 12.1) -6.2 (-12.6, 0.2)

Worcester, MA-CT~ NA 2.6 3.3 (1.4, 7.7) 0.7 (-2.8, 4.2)

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

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

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

be slightly greater than zero.
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 9

A.5 Monthly Income Volatility by Level of Income, 2019

For All Households, Row Percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Income Was 

About the Same 

Each Month 

(Percent)

Income Varied 

Somewhat 

From Month 

to Month 

(Percent)

Income 

Varied a Lot 

From Month 

to Month 

(Percent)

All 131,248 100.0 77.7 18.3 4.1

Family Income

Less Than $15,000 14,048 100.0 78.0 15.9 6.1

$15,000 to $30,000 18,848 100.0 77.0 17.4 5.6

$30,000 to $50,000 24,694 100.0 75.5 20.6 4.0

$50,000 to $75,000 23,857 100.0 76.9 19.6 3.5

At Least $75,000 49,801 100.0 79.3 17.5 3.2

A.6 Interest in Having a Bank Account, Among Unbanked Households, by Previous Bank Account 

Ownership and Household Characteristics, 2019

For Unbanked Households, Row Percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Very 

Interested 

(Percent)

Somewhat 

Interested 

(Percent)

Not Very 

Interested 

(Percent)

Not at All 

Interested 

(Percent)

All 6,892 100.0 7.8 17.0 18.9 56.2

Previous Bank Account Ownership

Previously Banked 3,472 100.0 11.1 20.6 20.1 48.2

Never Banked 3,420 100.0 4.5 13.4 17.8 64.4

Family Income

Less Than $15,000 3,214 100.0 8.7 16.6 15.0 59.7

$15,000 to $30,000 1,926 100.0 5.4 16.9 22.5 55.2

$30,000 to $50,000 1,103 100.0 5.6 15.5 23.2 55.7

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

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

Education

No High School Diploma 2,396 100.0 6.0 15.0 19.8 59.1

High School Diploma 2,573 100.0 8.8 15.4 19.4 56.4

Some College 1,529 100.0 8.2 20.0 17.6 54.1

College Degree NA NA NA NA NA NA

Age Group

15 to 24 Years 539 100.0 8.1 21.4 20.7 49.7

25 to 34 Years 1,419 100.0 9.3 14.3 21.5 54.8

35 to 44 Years 1,379 100.0 7.9 22.8 24.1 45.1

45 to 54 Years 1,122 100.0 9.8 17.4 18.9 53.8

55 to 64 Years 1,302 100.0 7.8 18.8 14.8 58.6

65 Years or More 1,130 100.0 3.8 8.7 13.3 74.3
10 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

A.6 Interest in Having a Bank Account, Among Unbanked Households, by Previous Bank Account 

Ownership and Household Characteristics, 2019 (continued)

For Unbanked Households, Row Percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Very 

Interested 

(Percent)

Somewhat 

Interested 

(Percent)

Not Very 

Interested 

(Percent)

Not at All 

Interested 

(Percent)

Race/Ethnicity

Black 2,242 100.0 8.4 22.0 19.7 49.8

Hispanic 2,215 100.0 6.7 14.4 21.5 57.3

Asian NA NA NA NA NA NA

American Indian or Alaska Native NA NA NA NA NA NA

Native Hawaiian or Other Pacific 

Islander NA NA NA NA NA NA

White 2,063 100.0 8.5 13.8 15.9 61.9

Two or More Races NA NA NA NA NA NA

Disability Status

Disabled, Aged 25 to 64 1,690 100.0 9.7 18.1 15.7 56.5

Not Disabled, Aged 25 to 64 3,532 100.0 8.2 18.5 22.0 51.3

Not Applicable (Not Aged 25 to 64) 1,669 100.0 5.2 12.8 15.7 66.3

Monthly Income Volatility

Income Was About the Same Each 

Month 4,873 100.0 7.9 16.3 16.4 59.3

Income Varied Somewhat From Month 

to Month 1,483 100.0 7.1 18.9 23.8 50.2

Income Varied a Lot From Month to 

Month 535 100.0 8.8 17.7 28.4 45.1

Employment Status

Employed 2,857 100.0 9.5 18.4 20.1 51.9

Unemployed NA NA NA NA NA NA

Not in Labor Force 3,671 100.0 6.0 15.7 17.7 60.6

Homeownership

Homeowner 1,552 100.0 7.0 17.1 19.1 56.9

Non-Homeowner 5,340 100.0 8.1 17.0 18.9 56.0

Household Type

Married Couple 1,270 100.0 6.1 15.5 26.1 52.3

Unmarried Female-Headed Family 1,661 100.0 9.7 22.8 19.8 47.7

Unmarried Male-Headed Family 498 100.0 6.1 19.6 16.9 57.3

Female Individual 1,439 100.0 4.4 13.5 16.4 65.7

Male Individual 1,941 100.0 9.5 15.3 15.6 59.6

Other NA NA NA NA NA NA
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 11

A.6 Interest in Having a Bank Account, Among Unbanked Households, by Previous Bank Account 

Ownership and Household Characteristics, 2019 (continued)

For Unbanked Households, Row Percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Very 

Interested 

(Percent)

Somewhat 

Interested 

(Percent)

Not Very 

Interested 

(Percent)

Not at All 

Interested 

(Percent)

Citizenship and Place of Birth

U.S.-Born 5,268 100.0 7.8 17.3 18.3 56.6

Foreign-Born Citizen NA NA NA NA NA NA

Foreign-Born Noncitizen 1,215 100.0 7.4 16.8 21.4 54.4

Metropolitan Status

Metropolitan Area - Principal City 3,046 100.0 8.3 18.7 21.3 51.7

Metropolitan Area - Balance 2,038 100.0 7.9 15.9 18.2 58.0

Not in Metropolitan Area 1,051 100.0 5.6 17.5 16.3 60.5

Not Identified 756 100.0 9.0 12.2 15.2 63.6

Geographic Region

Northeast 1,031 100.0 9.5 25.8 18.9 45.8

Midwest 1,354 100.0 7.5 18.7 16.5 57.2

South 3,073 100.0 7.7 15.6 18.3 58.5

West 1,433 100.0 7.2 12.1 22.7 58.0

NA indicates that the sample size is too small to produce a precise estimate.
12 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

A.7 All Reasons for Not Having a Bank Account, Among Unbanked Households, by Previous 

Bank Account Ownership, 2019

For Unbanked Households, Column Percent

All Previously 

Banked

Never 

Banked

Number of Households (1000s) 6,892 3,472 3,420

Percent of Households 100.0 100.0 100.0

Bank Hours Are Inconvenient (Percent)

Yes 13.0 11.9 14.1

No 87.0 88.1 85.9

Bank Locations Are Inconvenient (Percent)

Yes 14.1 12.9 15.3

No 85.9 87.1 84.7

Bank Account Fees Are Too High (Percent)

Yes 34.2 36.0 32.5

No 65.8 64.0 67.5

Bank Account Fees Are Too Unpredictable (Percent)

Yes 31.3 34.8 27.8

No 68.7 65.2 72.2

Banks Do Not Offer Needed Products and Services (Percent)

Yes 19.6 19.0 20.3

No 80.4 81.0 79.7

Don’t Trust Banks (Percent)

Yes 36.3 34.6 38.0

No 63.7 65.4 62.0

Don’t Have Enough Money to Meet Minimum Balance Requirements (Percent)

Yes 48.9 49.5 48.3

No 51.1 50.5 51.7

Avoiding a Bank Gives More Privacy (Percent)

Yes 36.0 35.4 36.7

No 64.0 64.6 63.3

Personal Identification, Credit, or Former Bank Account Problems (Percent)

Yes 20.5 18.9 22.2

No 79.5 81.1 77.8

Other Reason (Percent)

Yes 17.8 22.5 13.0

No 82.2 77.5 87.0

Did Not Select a Reason (Percent)

Yes 10.4 6.5 14.3

No 89.6 93.5 85.7
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 13

A.8 Main Reason for Not Having a Bank Account, Among Unbanked Households, by Previous 

Bank Account Ownership, 2019

For Unbanked Households, Column Percent

All Previously 

Banked

Never 

Banked

Number of Households (1000s) 6,892 3,472 3,420

Percent of Households 100.0 100.0 100.0

Main Reason Unbanked (Percent)

Bank Hours Are Inconvenient 2.4 2.3 2.6

Bank Locations Are Inconvenient 2.2 2.5 2.0

Bank Account Fees Are Too High 7.3 7.6 7.1

Bank Account Fees Are Too Unpredictable 1.6 1.8 1.4

Banks Do Not Offer Needed Products and Services 1.9 1.6 2.3

Don’t Trust Banks 16.1 15.8 16.4

Don’t Have Enough Money to Meet Minimum Balance Requirements 29.0 28.4 29.6

Avoiding a Bank Gives More Privacy 7.1 7.0 7.2

Personal Identification, Credit, or Former Bank Account Problems 8.0 7.4 8.5

Other Reason 13.9 19.0 8.7

Did Not Select a Reason 10.4 6.5 14.3
14 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

A.9 All Reasons for Not Having a Bank Account, Among Unbanked Households, by Interest in 

Having a Bank Account, 2019

For Unbanked Households, Column Percent

All Very 

Interested

Somewhat 

Interested

Not Very 

Interested

Not at All 

Interested

Number of Households (1000s) 6,892 539 1,172 1,306 3,876

Percent of Households 100.0 100.0 100.0 100.0 100.0

Bank Hours Are Inconvenient (Percent)

Yes 13.0 9.2 15.5 17.7 11.2

No 87.0 90.8 84.5 82.3 88.8

Bank Locations Are Inconvenient (Percent)

Yes 14.1 8.5 16.1 21.4 11.8

No 85.9 91.5 83.9 78.6 88.2

Bank Account Fees Are Too High (Percent)

Yes 34.2 26.5 37.6 44.2 30.9

No 65.8 73.5 62.4 55.8 69.1

Bank Account Fees Are Too Unpredictable (Percent)

Yes 31.3 23.3 36.7 35.1 29.6

No 68.7 76.7 63.3 64.9 70.4

Banks Do Not Offer Needed Products and Services 

(Percent)

Yes 19.6 10.5 22.3 20.7 19.8

No 80.4 89.5 77.7 79.3 80.2

Don’t Trust Banks (Percent)

Yes 36.3 15.4 28.9 37.9 40.9

No 63.7 84.6 71.1 62.1 59.1

Don’t Have Enough Money to Meet Minimum Balance 

Requirements (Percent)

Yes 48.9 46.4 49.3 51.8 48.2

No 51.1 53.6 50.7 48.2 51.8

Avoiding a Bank Gives More Privacy (Percent)

Yes 36.0 19.6 28.3 38.5 39.8

No 64.0 80.4 71.7 61.5 60.2

Personal Identification, Credit, or Former Bank Account 

Problems (Percent)

Yes 20.5 34.9 22.9 22.9 17.0

No 79.5 65.1 77.1 77.1 83.0

Other Reason (Percent)

Yes 17.8 21.5 15.7 18.7 17.6

No 82.2 78.5 84.3 81.3 82.4

Did Not Select a Reason (Percent)

Yes 10.4 8.7 12.2 7.9 10.9

No 89.6 91.3 87.8 92.1 89.1
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 15

A.10 Main Reason for Not Having a Bank Account, Among Unbanked Households, by Interest in 

Having a Bank Account, 2019

For Unbanked Households, Column Percent

All Very 

Interested

Somewhat 

Interested

Not Very 

Interested

Not at All 

Interested

Number of Households (1000s) 6,892 539 1,172 1,306 3,876

Percent of Households 100.0 100.0 100.0 100.0 100.0

Main Reason Unbanked (Percent)

Bank Hours Are Inconvenient 2.4 1.8 5.7 1.4 1.9

Bank Locations Are Inconvenient 2.2 5.1 1.3 4.8 1.3

Bank Account Fees Are Too High 7.3 3.5 7.8 9.7 6.9

Bank Account Fees Are Too Unpredictable 1.6 – 1.2 1.6 2.0

Banks Do Not Offer Needed Products and Services 1.9 1.1 1.1 2.0 2.2

Don’t Trust Banks 16.1 5.3 9.9 15.3 19.7

Don’t Have Enough Money to Meet Minimum Balance 

Requirements 29.0 34.4 32.6 27.9 27.6

Avoiding a Bank Gives More Privacy 7.1 2.7 5.3 6.1 8.6

Personal Identification, Credit, or Former Bank Account 

Problems 8.0 20.1 9.3 10.5 5.0

Other Reason 13.9 17.2 13.7 12.9 13.8

Did Not Select a Reason 10.4 8.7 12.2 7.9 10.9

The dash symbol indicates an estimate of zero; the population proportion may be slightly greater than zero.
16 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

A.11 Satisfaction With Most Recent Bank, Among Unbanked Households That Had Previously Been 

Banked, by Recent Bank Account Ownership and Household Characteristics, 2019

For Unbanked Households That Had Previously Been Banked, Row Percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Very 

Satisfied 

(Percent)

Somewhat 

Satisfied 

(Percent)

Not Very 

Satisfied 

(Percent)

Not 

Satisfied 

at All 

(Percent)

Don't 

Know 

(Percent)

All 3,472 100.0 24.3 30.8 14.4 22.8 7.7

Recent Bank Account Ownership

Last Had Bank Account in Past 

12 Months 716 100.0 29.3 38.5 14.1 16.1 2.0

Last Had Bank Account More Than 

12 Months Ago 2,756 100.0 23.0 28.9 14.5 24.5 9.1

Family Income

Less Than $15,000 1,673 100.0 25.9 29.4 14.8 21.1 8.9

$15,000 to $30,000 955 100.0 21.0 33.1 11.8 26.9 7.2

$30,000 to $50,000 519 100.0 23.1 27.1 20.5 22.5 6.7

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

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

Education

No High School Diploma 955 100.0 24.8 29.7 15.9 19.1 10.5

High School Diploma 1,299 100.0 24.4 32.8 13.4 22.1 7.3

Some College 1,016 100.0 23.4 30.2 15.2 25.4 5.8

College Degree NA NA NA NA NA NA NA

Age Group

15 to 24 Years NA NA NA NA NA NA NA

25 to 34 Years 651 100.0 25.1 26.3 17.1 24.0 7.5

35 to 44 Years 691 100.0 20.2 39.9 11.5 22.4 5.9

45 to 54 Years 563 100.0 27.4 29.8 11.9 23.0 7.9

55 to 64 Years 754 100.0 25.2 27.8 14.8 24.7 7.5

65 Years or More 578 100.0 20.2 33.0 15.6 20.9 10.3

Race/Ethnicity

Black 1,299 100.0 22.4 33.8 13.1 21.8 9.0

Hispanic 730 100.0 24.6 27.6 17.6 23.1 7.2

Asian NA NA NA NA NA NA NA

American Indian or Alaska Native NA NA NA NA NA NA NA

Native Hawaiian or Other Pacific 

Islander NA NA NA NA NA NA NA

White 1,250 100.0 26.8 28.5 14.9 22.3 7.6

Two or More Races NA NA NA NA NA NA NA

Disability Status

Disabled, Aged 25 to 64 966 100.0 25.9 28.7 12.4 26.9 6.2

Not Disabled, Aged 25 to 64 1,693 100.0 23.5 32.3 14.7 21.7 7.7

Not Applicable (Not Aged 25 to 64) 813 100.0 24.2 30.3 16.2 20.0 9.3
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 17

A.11 Satisfaction With Most Recent Bank, Among Unbanked Households That Had Previously Been 

Banked, by Recent Bank Account Ownership and Household Characteristics, 2019 (continued)

For Unbanked Households That Had Previously Been Banked, Row Percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Very 

Satisfied 

(Percent)

Somewhat 

Satisfied 

(Percent)

Not Very 

Satisfied 

(Percent)

Not 

Satisfied 

at All 

(Percent)

Don't 

Know 

(Percent)

Monthly Income Volatility

Income Was About the Same Each 

Month 2,476 100.0 21.9 31.7 15.7 21.9 8.7

Income Varied Somewhat From 

Month to Month 696 100.0 30.4 32.1 13.4 18.2 5.9

Income Varied a Lot From Month 

to Month NA NA NA NA NA NA NA

Employment Status

Employed 1,397 100.0 25.4 30.4 12.8 22.7 8.7

Unemployed NA NA NA NA NA NA NA

Not in Labor Force 1,861 100.0 21.9 30.9 16.1 23.9 7.3

Homeownership

Homeowner 833 100.0 34.4 30.7 13.4 15.8 5.7

Non-Homeowner 2,639 100.0 21.1 30.9 14.8 25.0 8.3

Household Type

Married Couple 458 100.0 24.7 34.4 17.0 17.6 6.4

Unmarried Female-Headed Family 897 100.0 23.7 34.3 13.6 18.8 9.7

Unmarried Male-Headed Family NA NA NA NA NA NA NA

Female Individual 761 100.0 21.5 27.5 14.3 28.4 8.2

Male Individual 1,074 100.0 27.8 29.9 13.5 21.3 7.6

Other NA NA NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 3,026 100.0 24.8 30.3 14.0 22.9 8.1

Foreign-Born Citizen NA NA NA NA NA NA NA

Foreign-Born Noncitizen NA NA NA NA NA NA NA

Metropolitan Status

Metropolitan Area - Principal City 1,592 100.0 20.7 31.0 15.1 24.5 8.7

Metropolitan Area - Balance 953 100.0 26.1 31.4 12.7 24.1 5.6

Not in Metropolitan Area 537 100.0 22.9 32.4 17.6 18.6 8.4

Not Identified 389 100.0 36.2 26.7 11.5 18.0 7.5

Geographic Region

Northeast NA NA NA NA NA NA NA

Midwest 797 100.0 28.2 31.8 8.6 22.2 9.2

South 1,467 100.0 27.9 28.4 15.0 20.6 8.2

West 665 100.0 15.0 28.4 23.8 26.3 6.5

“Don’t know” was not one of the four administered response options. Some households did not choose one of the four administered 

response options and instead volunteered, “don’t know.” See Appendix 1 (FDIC Technical Notes) for details. NA indicates that the 

sample size is too small to produce a precise estimate.
18 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

A.12 Perceptions of Clarity of Banks’ Communications About Account Fees, Among Unbanked 

Households That Had Previously Been Banked, by Recent Bank Account Ownership and 

Household Characteristics, 2019

For Unbanked Households That Had Previously Been Banked, Row Percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Very 

Clearly 

(Percent)

Somewhat 

Clearly 

(Percent)

Not Very 

Clearly 

(Percent)

Not 

Clearly 

at All 

(Percent)

Don't 

Know 

(Percent)

All 3,472 100.0 17.4 29.4 20.8 22.4 10.0

Recent Bank Account Ownership

Last Had Bank Account in Past 

12 Months 716 100.0 27.0 31.5 21.7 15.6 4.2

Last Had Bank Account More Than 

12 Months Ago 2,756 100.0 14.9 28.9 20.5 24.2 11.5

Family Income

Less Than $15,000 1,673 100.0 17.0 28.6 18.9 25.3 10.3

$15,000 to $30,000 955 100.0 16.1 28.9 22.9 22.5 9.5

$30,000 to $50,000 519 100.0 19.6 28.8 23.8 18.7 9.1

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

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

Education

No High School Diploma 955 100.0 18.3 33.2 19.2 17.7 11.6

High School Diploma 1,299 100.0 19.1 27.3 21.6 21.3 10.7

Some College 1,016 100.0 14.0 28.1 21.2 28.7 8.1

College Degree NA NA NA NA NA NA NA

Age Group

15 to 24 Years NA NA NA NA NA NA NA

25 to 34 Years 651 100.0 16.4 34.0 22.4 18.0 9.1

35 to 44 Years 691 100.0 18.1 28.8 23.5 24.0 5.7

45 to 54 Years 563 100.0 19.6 25.9 22.5 21.5 10.5

55 to 64 Years 754 100.0 14.6 34.9 15.6 21.9 13.0

65 Years or More 578 100.0 14.9 25.2 18.2 27.3 14.5

Race/Ethnicity

Black 1,299 100.0 18.3 31.2 18.9 22.7 8.9

Hispanic 730 100.0 20.1 23.7 22.0 22.4 11.7

Asian NA NA NA NA NA NA NA

American Indian or Alaska Native NA NA NA NA NA NA NA

Native Hawaiian or Other Pacific 

Islander NA NA NA NA NA NA NA

White 1,250 100.0 15.7 29.7 22.0 21.3 11.3

Two or More Races NA NA NA NA NA NA NA

Disability Status

Disabled, Aged 25 to 64 966 100.0 15.7 28.8 18.8 27.2 9.6

Not Disabled, Aged 25 to 64 1,693 100.0 17.7 32.6 21.9 18.1 9.7

Not Applicable (Not Aged 25 to 64) 813 100.0 18.7 23.7 20.7 25.7 11.2
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 19

A.12 Perceptions of Clarity of Banks’ Communications About Account Fees, Among Unbanked 

Households That Had Previously Been Banked, by Recent Bank Account Ownership and 

Household Characteristics, 2019 (continued)

For Unbanked Households That Had Previously Been Banked, Row Percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Very 

Clearly 

(Percent)

Somewhat 

Clearly 

(Percent)

Not Very 

Clearly 

(Percent)

Not 

Clearly 

at All 

(Percent)

Don't 

Know 

(Percent)

Monthly Income Volatility

Income Was About the Same Each 

Month 2,476 100.0 16.4 30.3 19.9 21.8 11.6

Income Varied Somewhat From 

Month to Month 696 100.0 20.8 25.8 23.7 23.3 6.4

Income Varied a Lot From Month 

to Month NA NA NA NA NA NA NA

Employment Status

Employed 1,397 100.0 19.9 30.9 19.0 20.2 10.0

Unemployed NA NA NA NA NA NA NA

Not in Labor Force 1,861 100.0 15.0 27.8 22.2 24.2 10.9

Homeownership

Homeowner 833 100.0 24.2 23.2 27.4 14.6 10.6

Non-Homeowner 2,639 100.0 15.2 31.4 18.7 24.9 9.8

Household Type

Married Couple 458 100.0 20.3 33.8 19.7 18.6 7.5

Unmarried Female-Headed Family 897 100.0 15.7 33.4 20.5 21.5 8.9

Unmarried Male-Headed Family NA NA NA NA NA NA NA

Female Individual 761 100.0 13.0 27.8 22.1 27.3 9.7

Male Individual 1,074 100.0 17.1 28.6 19.1 21.6 13.6

Other NA NA NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 3,026 100.0 16.6 28.7 20.6 23.8 10.3

Foreign-Born Citizen NA NA NA NA NA NA NA

Foreign-Born Noncitizen NA NA NA NA NA NA NA

Metropolitan Status

Metropolitan Area - Principal City 1,592 100.0 19.3 26.5 20.7 25.6 7.9

Metropolitan Area - Balance 953 100.0 16.0 31.7 18.7 20.4 13.2

Not in Metropolitan Area 537 100.0 18.5 30.6 25.9 17.7 7.3

Not Identified 389 100.0 11.5 34.4 18.8 20.9 14.3

Geographic Region

Northeast NA NA NA NA NA NA NA

Midwest 797 100.0 23.2 27.2 20.3 17.5 11.7

South 1,467 100.0 19.1 28.9 17.4 24.0 10.7

West 665 100.0 13.9 22.9 30.0 24.7 8.5

“Don’t know” was not one of the four administered response options. Some households did not choose one of the four administered 

response options and instead volunteered, “don’t know.” See Appendix 1 (FDIC Technical Notes) for details. NA indicates that the 

sample size is too small to produce a precise estimate.
20 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

B.1 Primary Method Used to Access Bank Accounts by Household Characteristics, 2019

For Banked Households That Accessed Their Account in the Past 12 Months, Row Percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Bank 

Teller 

(Percent)

ATM/

Kiosk 

(Percent)

Telephone 

Banking 

(Percent)

Online 

Banking 

(Percent)

Mobile 

Banking 

(Percent)

Other 

(Percent)

All 120,847 100.0 21.0 19.5 2.4 22.8 34.0 0.3

Family Income

Less Than $15,000 9,761 100.0 35.9 23.6 5.8 9.9 23.5 1.3

$15,000 to $30,000 16,027 100.0 31.7 24.7 4.7 12.7 25.9 0.4

$30,000 to $50,000 22,822 100.0 24.7 21.7 2.8 17.1 33.2 0.5

$50,000 to $75,000 23,065 100.0 20.3 20.4 2.1 21.2 35.9 0.2

At Least $75,000 49,172 100.0 13.1 15.6 0.9 32.1 38.1 0.2

Education

No High School Diploma 8,223 100.0 39.6 29.5 5.1 5.8 19.2 0.8

High School Diploma 28,607 100.0 30.3 24.0 3.5 14.6 27.3 0.5

Some College 34,894 100.0 20.3 19.8 2.5 20.6 36.5 0.4

College Degree 49,123 100.0 12.9 15.1 1.2 32.1 38.6 0.2

Age Group

15 to 24 Years 5,643 100.0 10.2 17.3 2.2 7.2 62.9 0.1

25 to 34 Years 19,714 100.0 8.0 15.1 0.6 14.4 61.7 0.2

35 to 44 Years 20,699 100.0 10.6 18.2 1.1 20.1 49.8 0.2

45 to 54 Years 20,900 100.0 15.5 19.9 1.6 26.6 36.3 0.1

55 to 64 Years 22,599 100.0 24.3 21.9 2.9 29.3 21.3 0.3

65 Years or More 31,292 100.0 39.2 21.6 4.5 25.7 8.3 0.7

Race/Ethnicity

Black 13,836 100.0 20.6 27.0 3.1 12.0 37.2 0.2

Hispanic 15,504 100.0 20.9 24.3 2.1 11.1 41.3 0.2

Asian 6,756 100.0 18.4 15.2 1.3 25.7 39.3 –

American Indian or Alaska 

Native 762 100.0 23.2 26.0 3.3 17.0 30.5 –

Native Hawaiian or Other 

Pacific Islander NA NA NA NA NA NA NA NA

White 82,100 100.0 21.4 17.7 2.4 26.7 31.4 0.4

Two or More Races 1,618 100.0 14.0 13.4 2.9 24.1 45.5 0.1

Disability Status

Disabled, Aged 25 to 64 8,522 100.0 23.3 24.0 5.2 17.2 29.8 0.6

Not Disabled, Aged 25 to 64 75,389 100.0 13.9 18.3 1.2 23.5 42.9 0.2

Not Applicable (Not Aged 25 

to 64) 36,935 100.0 34.8 20.9 4.1 22.9 16.7 0.6

Monthly Income Volatility

Income Was About the Same 

Each Month 94,089 100.0 21.8 19.8 2.6 23.4 32.0 0.4

Income Varied Somewhat 

From Month to Month 22,057 100.0 17.5 19.4 1.6 20.6 40.8 0.2

Income Varied a Lot From 

Month to Month 4,701 100.0 21.5 14.0 1.5 21.9 40.6 0.5
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 21

B.1 Primary Method Used to Access Bank Accounts by Household Characteristics, 2019 (continued)

For Banked Households That Accessed Their Account in the Past 12 Months, Row Percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Bank 

Teller 

(Percent)

ATM/

Kiosk 

(Percent)

Telephone 

Banking 

(Percent)

Online 

Banking 

(Percent)

Mobile 

Banking 

(Percent)

Other 

(Percent)

Employment Status

Employed 77,759 100.0 14.3 18.0 1.2 23.0 43.3 0.1

Unemployed 2,469 100.0 18.6 21.1 3.1 19.6 37.4 0.3

Not in Labor Force 40,619 100.0 33.8 22.3 4.6 22.7 15.9 0.7

Homeownership

Homeowner 81,131 100.0 22.6 18.3 2.2 27.5 29.1 0.3

Non-Homeowner 39,716 100.0 17.6 22.0 2.8 13.3 43.9 0.4

Household Type

Married Couple 58,716 100.0 19.7 17.3 1.7 28.4 32.7 0.2

Unmarried Female-Headed 

Family 13,181 100.0 18.3 23.7 2.8 13.1 41.9 0.2

Unmarried Male-Headed 

Family 5,982 100.0 20.8 23.5 1.4 15.7 38.4 0.1

Female Individual 22,319 100.0 26.4 19.8 4.3 18.7 30.1 0.7

Male Individual 20,485 100.0 20.5 21.6 2.3 19.9 35.3 0.4

Other NA NA NA NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 103,466 100.0 20.8 19.0 2.5 23.6 33.8 0.4

Foreign-Born Citizen 10,492 100.0 23.9 21.7 2.0 20.7 31.5 0.2

Foreign-Born Noncitizen 6,889 100.0 19.2 23.8 1.7 14.5 40.8 0.1

Metropolitan Status

Metropolitan Area - Principal 

City 34,299 100.0 16.9 20.0 2.2 21.3 39.3 0.3

Metropolitan Area - Balance 53,908 100.0 18.7 19.5 2.1 25.3 34.2 0.3

Not in Metropolitan Area 15,334 100.0 33.4 19.5 3.8 18.5 24.3 0.5

Not Identified 17,306 100.0 25.0 18.8 2.4 22.0 31.3 0.4

Geographic Region

Northeast 20,997 100.0 22.0 23.1 2.0 24.0 28.7 0.4

Midwest 26,189 100.0 22.6 17.6 2.8 23.3 33.2 0.4

South 45,659 100.0 21.2 19.6 2.6 20.4 35.8 0.3

West 28,002 100.0 18.2 18.5 1.8 25.6 35.6 0.2

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

population proportion may be slightly greater than zero.
22 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

B.2 Bank Teller as Primary Method of Bank Account Access by Household Characteristics, 

2015–2019

For Banked Households That Accessed Their Account in the Past 12 Months

Characteristics 2015 

(Percent)

2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

All 28.2 24.3 21.0 (20.5, 21.4) -3.4* (-4.0, -2.7)

Family Income

Less Than $15,000 41.7 38.8 35.9 (34.0, 37.7) -2.9* (-5.5, -0.4)

$15,000 to $30,000 40.5 38.0 31.7 (30.1, 33.2) -6.4* (-8.4, -4.4)

$30,000 to $50,000 32.5 28.9 24.7 (23.6, 25.9) -4.1* (-5.8, -2.5)

$50,000 to $75,000 25.8 23.3 20.3 (19.4, 21.3) -3.0* (-4.3, -1.6)

At Least $75,000 16.7 13.3 13.1 (12.5, 13.6) -0.3 (-1.1, 0.6)

Education

No High School Diploma 50.8 46.2 39.6 (37.4, 41.8) -6.7* (-9.8, -3.5)

High School Diploma 38.2 33.8 30.3 (29.3, 31.3) -3.5* (-4.9, -2.2)

Some College 25.6 22.9 20.3 (19.5, 21.2) -2.6* (-3.7, -1.5)

College Degree 17.9 14.8 12.9 (12.3, 13.4) -2.0* (-2.8, -1.2)

Age Group

15 to 24 Years 15.9 13.3 10.2 (8.7, 12.0) -3.0* (-5.6, -0.4)

25 to 34 Years 14.3 10.6 8.0 (7.2, 8.9) -2.6* (-3.9, -1.3)

35 to 44 Years 16.9 13.6 10.6 (9.8, 11.4) -3.0* (-4.2, -1.8)

45 to 54 Years 22.9 18.7 15.5 (14.4, 16.5) -3.2* (-4.6, -1.8)

55 to 64 Years 31.7 26.1 24.3 (23.1, 25.4) -1.8* (-3.2, -0.4)

65 Years or More 48.7 45.1 39.2 (38.3, 40.1) -5.9* (-7.2, -4.6)

Race/Ethnicity

Black 31.0 24.9 20.6 (19.1, 22.1) -4.4* (-6.4, -2.4)

Hispanic 29.0 25.0 20.9 (19.5, 22.4) -4.1* (-6.2, -2.0)

Asian 26.1 19.6 18.4 (16.6, 20.3) -1.2 (-4.2, 1.8)

American Indian or Alaska Native 30.3 30.2 23.2 (18.3, 29.0) -7.0 (-16.0, 2.1)

Native Hawaiian or Other Pacific 

Islander NA NA NA NA NA NA

White 27.9 24.5 21.4 (20.8, 21.9) -3.2* (-3.9, -2.5)

Two or More Races 17.7 17.1 14.0 (11.0, 17.8) -3.0 (-8.4, 2.4)

Disability Status

Disabled, Aged 25 to 64 32.4 28.7 23.3 (21.6, 25.1) -5.4* (-7.8, -3.1)

Not Disabled, Aged 25 to 64 20.6 16.3 13.9 (13.4, 14.4) -2.4* (-3.0, -1.7)

Not Applicable (Not Aged 25 to 64) 43.3 39.8 34.8 (33.9, 35.7) -5.0* (-6.2, -3.8)

Monthly Income Volatility

Income Was About the Same Each 

Month 28.6 24.8 21.8 (21.2, 22.3) -3.0* (-3.7, -2.3)

Income Varied Somewhat From 

Month to Month 25.3 20.8 17.5 (16.5, 18.5) -3.3* (-4.8, -1.8)

Income Varied a Lot From Month to 

Month 30.2 24.9 21.5 (19.2, 24.0) -3.4 (-6.8, 0.0)
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 23

B.2 Bank Teller as Primary Method of Bank Account Access by Household Characteristics, 

2015–2019 (continued)

For Banked Households That Accessed Their Account in the Past 12 Months

Characteristics 2015 

(Percent)

2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

Employment Status

Employed 20.6 16.8 14.3 (13.8, 14.9) -2.5* (-3.2, -1.7)

Unemployed 21.4 20.3 18.6 (15.8, 21.7) -1.8 (-5.8, 2.2)

Not in Labor Force 42.6 38.5 33.8 (32.9, 34.6) -4.7* (-5.8, -3.6)

Homeownership

Homeowner 30.2 26.1 22.6 (22.0, 23.2) -3.5* (-4.2, -2.7)

Non-Homeowner 24.2 20.8 17.6 (16.8, 18.5) -3.2* (-4.4, -2.0)

Household Type

Married Couple 26.2 22.1 19.7 (19.1, 20.3) -2.4* (-3.3, -1.6)

Unmarried Female-Headed Family 25.8 22.1 18.3 (17.1, 19.6) -3.7* (-5.5, -2.0)

Unmarried Male-Headed Family 28.4 25.0 20.8 (19.0, 22.8) -4.2* (-7.1, -1.4)

Female Individual 34.8 30.3 26.4 (25.3, 27.5) -4.0* (-5.4, -2.6)

Male Individual 28.5 25.7 20.5 (19.5, 21.6) -5.1* (-6.7, -3.6)

Other NA NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 27.5 24.0 20.8 (20.3, 21.3) -3.2* (-3.9, -2.6)

Foreign-Born Citizen 34.4 26.2 23.9 (22.2, 25.7) -2.3 (-4.8, 0.1)

Foreign-Born Noncitizen 29.0 26.2 19.2 (17.3, 21.2) -7.0* (-9.8, -4.2)

Metropolitan Status

Metropolitan Area - Principal City 24.6 19.8 16.9 (16.1, 17.8) -2.9* (-4.0, -1.7)

Metropolitan Area - Balance 24.9 21.8 18.7 (18.0, 19.4) -3.1* (-4.0, -2.1)

Not in Metropolitan Area 41.5 37.8 33.4 (31.7, 35.2) -4.3* (-6.5, -2.2)

Not Identified 31.9 28.8 25.0 (23.6, 26.4) -3.8* (-5.7, -1.8)

Geographic Region

Northeast 27.9 26.0 22.0 (20.8, 23.2) -4.0* (-5.6, -2.4)

Midwest 31.2 27.5 22.6 (21.8, 23.6) -4.9* (-6.3, -3.5)

South 29.7 24.5 21.2 (20.4, 22.1) -3.3* (-4.4, -2.2)

West 23.0 19.6 18.2 (17.3, 19.2) -1.4* (-2.6, -0.2)

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

produce a precise estimate.
24 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

B.3 ATM/Kiosk as Primary Method of Bank Account Access by Household Characteristics, 

2015–2019

For Banked Households That Accessed Their Account in the Past 12 Months

Characteristics 2015 

(Percent)

2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

All 21.0 19.9 19.5 (19.0, 20.0) -0.3 (-1.0, 0.4)

Family Income

Less Than $15,000 25.6 26.0 23.6 (21.8, 25.5) -2.4 (-4.9, 0.1)

$15,000 to $30,000 25.0 24.5 24.7 (23.3, 26.1) 0.2 (-1.8, 2.1)

$30,000 to $50,000 23.8 22.8 21.7 (20.6, 22.8) -1.1 (-2.6, 0.3)

$50,000 to $75,000 19.6 18.7 20.4 (19.4, 21.4) 1.7* (0.1, 3.2)

At Least $75,000 16.9 15.5 15.6 (15.0, 16.3) 0.2 (-0.7, 1.1)

Education

No High School Diploma 26.4 28.2 29.5 (27.6, 31.5) 1.4 (-1.4, 4.1)

High School Diploma 24.4 24.4 24.0 (22.9, 25.0) -0.4 (-1.9, 1.1)

Some College 21.5 20.3 19.8 (18.9, 20.6) -0.5 (-1.7, 0.7)

College Degree 17.0 15.0 15.1 (14.5, 15.7) 0.1 (-0.8, 1.1)

Age Group

15 to 24 Years 24.3 21.9 17.3 (15.2, 19.6) -4.5* (-7.8, -1.3)

25 to 34 Years 18.4 15.9 15.1 (14.1, 16.3) -0.8 (-2.4, 0.8)

35 to 44 Years 19.7 17.8 18.2 (17.2, 19.3) 0.4 (-1.1, 1.8)

45 to 54 Years 23.8 22.2 19.9 (18.8, 21.1) -2.3* (-4.0, -0.6)

55 to 64 Years 22.8 23.4 21.9 (20.8, 23.1) -1.4 (-2.9, 0.1)

65 Years or More 19.5 18.9 21.6 (20.7, 22.5) 2.7* (1.5, 3.8)

Race/Ethnicity

Black 28.3 28.0 27.0 (25.5, 28.6) -1.0 (-3.3, 1.2)

Hispanic 27.2 26.1 24.3 (22.9, 25.8) -1.8 (-4.0, 0.4)

Asian 18.4 15.3 15.2 (13.5, 17.2) 0.0 (-2.8, 2.7)

American Indian or Alaska Native 21.8 28.2 26.0 (20.0, 32.9) -2.2 (-9.9, 5.5)

Native Hawaiian or Other Pacific 

Islander NA NA NA NA NA NA

White 19.0 17.7 17.7 (17.2, 18.3) 0.1 (-0.7, 0.8)

Two or More Races 20.6 19.1 13.4 (10.1, 17.5) -5.7* (-11.1, -0.3)

Disability Status

Disabled, Aged 25 to 64 27.7 27.9 24.0 (22.3, 25.8) -3.9* (-6.3, -1.5)

Not Disabled, Aged 25 to 64 20.5 19.1 18.3 (17.7, 18.9) -0.8 (-1.6, 0.1)

Not Applicable (Not Aged 25 to 64) 20.3 19.4 20.9 (20.1, 21.7) 1.5* (0.5, 2.5)

Monthly Income Volatility

Income Was About the Same Each 

Month 21.1 19.7 19.8 (19.3, 20.4) 0.1 (-0.6, 0.9)

Income Varied Somewhat From 

Month to Month 20.5 20.5 19.4 (18.3, 20.5) -1.2 (-2.8, 0.5)

Income Varied a Lot From Month to 

Month 19.1 16.4 14.0 (12.2, 16.0) -2.4 (-5.4, 0.6)
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 25

B.3 ATM/Kiosk as Primary Method of Bank Account Access by Household Characteristics, 

2015–2019 (continued)

For Banked Households That Accessed Their Account in the Past 12 Months

Characteristics 2015 

(Percent)

2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

Employment Status

Employed 20.2 18.6 18.0 (17.4, 18.6) -0.6 (-1.5, 0.3)

Unemployed 29.6 24.0 21.1 (17.7, 24.9) -2.9 (-7.4, 1.7)

Not in Labor Force 21.9 21.9 22.3 (21.5, 23.2) 0.5 (-0.6, 1.6)

Homeownership

Homeowner 18.5 17.8 18.3 (17.8, 18.9) 0.5 (-0.2, 1.3)

Non-Homeowner 26.2 24.0 22.0 (21.1, 22.9) -2.0* (-3.5, -0.6)

Household Type

Married Couple 18.3 17.2 17.3 (16.7, 18.0) 0.1 (-0.7, 1.0)

Unmarried Female-Headed Family 26.4 26.1 23.7 (22.3, 25.1) -2.5* (-4.4, -0.5)

Unmarried Male-Headed Family 26.8 25.7 23.5 (21.7, 25.5) -2.1 (-5.2, 0.9)

Female Individual 20.4 19.2 19.8 (18.9, 20.8) 0.7 (-0.7, 2.1)

Male Individual 24.4 22.9 21.6 (20.4, 22.9) -1.3 (-3.0, 0.5)

Other NA NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 20.8 19.6 19.0 (18.5, 19.6) -0.5 (-1.3, 0.2)

Foreign-Born Citizen 18.8 21.9 21.7 (20.1, 23.3) -0.2 (-2.6, 2.2)

Foreign-Born Noncitizen 27.4 21.6 23.8 (21.6, 26.0) 2.2 (-0.6, 5.0)

Metropolitan Status

Metropolitan Area - Principal City 23.2 21.9 20.0 (19.2, 20.9) -1.9* (-3.2, -0.5)

Metropolitan Area - Balance 20.6 19.2 19.5 (18.7, 20.2) 0.3 (-0.7, 1.3)

Not in Metropolitan Area 18.9 18.3 19.5 (18.3, 20.7) 1.2 (-0.6, 3.0)

Not Identified 20.2 19.3 18.8 (17.4, 20.3) -0.5 (-2.2, 1.1)

Geographic Region

Northeast 25.5 24.4 23.1 (21.9, 24.3) -1.3 (-3.0, 0.4)

Midwest 19.1 16.5 17.6 (16.6, 18.6) 1.1 (-0.3, 2.4)

South 20.1 19.7 19.6 (18.8, 20.5) -0.1 (-1.2, 1.0)

West 20.8 19.7 18.5 (17.6, 19.4) -1.2 (-2.7, 0.2)

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

produce a precise estimate.
26 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

B.4 Telephone Banking as Primary Method of Bank Account Access by Household Characteristics, 

2015–2019

For Banked Households That Accessed Their Account in the Past 12 Months

Characteristics 2015 

(Percent)

2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

All 3.0 2.9 2.4 (2.2, 2.6) -0.6* (-0.8, -0.3)

Family Income

Less Than $15,000 4.6 4.1 5.8 (5.0, 6.7) 1.7* (0.7, 2.8)

$15,000 to $30,000 3.5 4.3 4.7 (4.2, 5.3) 0.5 (-0.4, 1.4)

$30,000 to $50,000 3.7 3.4 2.8 (2.4, 3.3) -0.6* (-1.2, 0.0)

$50,000 to $75,000 2.5 3.0 2.1 (1.7, 2.5) -1.0* (-1.5, -0.4)

At Least $75,000 2.0 1.8 0.9 (0.7, 1.1) -0.9* (-1.2, -0.6)

Education

No High School Diploma 4.2 4.2 5.1 (4.2, 6.1) 0.9 (-0.4, 2.1)

High School Diploma 3.6 3.6 3.5 (3.1, 3.9) -0.2 (-0.8, 0.4)

Some College 3.4 3.3 2.5 (2.2, 2.9) -0.8* (-1.2, -0.3)

College Degree 1.8 2.0 1.2 (1.0, 1.4) -0.8* (-1.1, -0.4)

Age Group

15 to 24 Years 2.1 2.2 2.2 (1.5, 3.4) 0.0 (-1.2, 1.2)

25 to 34 Years 2.1 1.9 0.6 (0.4, 0.9) -1.3* (-1.8, -0.8)

35 to 44 Years 2.7 2.8 1.1 (0.9, 1.5) -1.7* (-2.2, -1.2)

45 to 54 Years 2.9 2.6 1.6 (1.3, 2.0) -0.9* (-1.4, -0.4)

55 to 64 Years 3.4 3.5 2.9 (2.5, 3.4) -0.7* (-1.3, 0.0)

65 Years or More 3.6 3.6 4.5 (4.0, 5.0) 0.9* (0.3, 1.5)

Race/Ethnicity

Black 4.4 4.5 3.1 (2.5, 3.7) -1.4* (-2.4, -0.4)

Hispanic 3.1 3.1 2.1 (1.7, 2.7) -0.9* (-1.6, -0.2)

Asian 1.6 2.2 1.3 (0.9, 2.0) -0.9* (-1.8, 0.0)

American Indian or Alaska Native 4.8 1.9 3.3 (1.6, 6.8) 1.4 (-1.2, 4.1)

Native Hawaiian or Other Pacific 

Islander NA NA NA NA NA NA

White 2.8 2.7 2.4 (2.2, 2.6) -0.3* (-0.7, 0.0)

Two or More Races 3.5 3.2 2.9 (1.5, 5.4) -0.3 (-2.9, 2.2)

Disability Status

Disabled, Aged 25 to 64 5.4 5.2 5.2 (4.3, 6.2) 0.0 (-1.3, 1.2)

Not Disabled, Aged 25 to 64 2.5 2.4 1.2 (1.1, 1.4) -1.2* (-1.5, -1.0)

Not Applicable (Not Aged 25 to 64) 3.3 3.4 4.1 (3.7, 4.6) 0.8* (0.2, 1.3)

Monthly Income Volatility

Income Was About the Same Each 

Month 3.1 2.9 2.6 (2.4, 2.8) -0.3* (-0.6, 0.0)

Income Varied Somewhat From 

Month to Month 2.8 3.1 1.6 (1.3, 1.9) -1.5* (-2.0, -1.1)

Income Varied a Lot From Month to 

Month 2.5 2.7 1.5 (0.9, 2.4) -1.2* (-2.4, -0.1)
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 27

B.4 Telephone Banking as Primary Method of Bank Account Access by Household Characteristics, 

2015–2019 (continued)

For Banked Households That Accessed Their Account in the Past 12 Months

Characteristics 2015 

(Percent)

2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

Employment Status

Employed 2.4 2.3 1.2 (1.1, 1.4) -1.2* (-1.4, -0.9)

Unemployed 1.9 3.6 3.1 (1.8, 5.1) -0.6 (-2.6, 1.5)

Not in Labor Force 4.0 4.0 4.6 (4.2, 5.0) 0.6* (0.0, 1.2)

Homeownership

Homeowner 2.9 2.8 2.2 (2.0, 2.4) -0.7* (-1.0, -0.3)

Non-Homeowner 3.1 3.1 2.8 (2.4, 3.1) -0.4 (-0.9, 0.2)

Household Type

Married Couple 2.5 2.4 1.7 (1.5, 1.9) -0.7* (-1.0, -0.4)

Unmarried Female-Headed Family 4.2 3.6 2.8 (2.4, 3.4) -0.7 (-1.5, 0.0)

Unmarried Male-Headed Family 2.9 3.2 1.4 (1.0, 2.1) -1.7* (-2.7, -0.8)

Female Individual 3.9 4.5 4.3 (3.7, 4.8) -0.2 (-1.0, 0.6)

Male Individual 2.5 2.5 2.3 (2.0, 2.7) -0.2 (-0.7, 0.4)

Other NA NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 3.1 2.9 2.5 (2.3, 2.7) -0.5* (-0.8, -0.2)

Foreign-Born Citizen 2.4 2.9 2.0 (1.5, 2.7) -0.9 (-1.8, 0.0)

Foreign-Born Noncitizen 2.3 2.8 1.7 (1.1, 2.4) -1.2* (-2.1, -0.2)

Metropolitan Status

Metropolitan Area - Principal City 2.7 2.9 2.2 (1.9, 2.5) -0.8* (-1.3, -0.3)

Metropolitan Area - Balance 2.9 2.7 2.1 (1.9, 2.3) -0.6* (-1.0, -0.2)

Not in Metropolitan Area 3.5 3.9 3.8 (3.3, 4.4) -0.1 (-0.8, 0.7)

Not Identified 3.2 2.8 2.4 (2.0, 2.9) -0.3 (-1.0, 0.3)

Geographic Region

Northeast 2.4 2.9 2.0 (1.6, 2.4) -0.9* (-1.5, -0.4)

Midwest 3.1 2.8 2.8 (2.4, 3.3) 0.0 (-0.6, 0.6)

South 3.4 3.3 2.6 (2.4, 3.0) -0.6* (-1.1, -0.2)

West 2.6 2.6 1.8 (1.6, 2.1) -0.7* (-1.1, -0.3)

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

produce a precise estimate.
28 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

B.5 Online Banking as Primary Method of Bank Account Access by Household Characteristics, 

2015–2019

For Banked Households That Accessed Their Account in the Past 12 Months

Characteristics 2015 

(Percent)

2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

All 36.9 36.0 22.8 (22.4, 23.3) -13.1* (-13.9, -12.4)

Family Income

Less Than $15,000 18.0 17.2 9.9 (8.8, 11.1) -7.3* (-8.9, -5.7)

$15,000 to $30,000 20.8 19.4 12.7 (11.7, 13.7) -6.8* (-8.1, -5.5)

$30,000 to $50,000 29.1 27.7 17.1 (16.3, 18.0) -10.5* (-11.9, -9.1)

$50,000 to $75,000 39.7 38.0 21.2 (20.2, 22.2) -16.8* (-18.5, -15.2)

At Least $75,000 53.6 50.6 32.1 (31.3, 33.0) -18.5* (-19.8, -17.2)

Education

No High School Diploma 11.8 10.8 5.8 (4.9, 6.8) -5.1* (-6.7, -3.5)

High School Diploma 24.5 24.7 14.6 (13.9, 15.3) -10.1* (-11.4, -8.8)

Some College 36.8 35.0 20.6 (19.7, 21.4) -14.4* (-15.7, -13.2)

College Degree 51.5 49.1 32.1 (31.3, 33.0) -17.0* (-18.3, -15.7)

Age Group

15 to 24 Years 31.4 26.2 7.2 (6.1, 8.6) -18.9* (-21.5, -16.4)

25 to 34 Years 42.6 35.7 14.4 (13.4, 15.4) -21.4* (-23.0, -19.7)

35 to 44 Years 45.8 42.4 20.1 (19.0, 21.2) -22.3* (-24.1, -20.6)

45 to 54 Years 42.0 42.6 26.6 (25.4, 27.8) -16.0* (-17.8, -14.2)

55 to 64 Years 37.3 39.0 29.3 (28.1, 30.5) -9.7* (-11.4, -8.0)

65 Years or More 23.8 26.9 25.7 (24.8, 26.6) -1.2* (-2.3, 0.0)

Race/Ethnicity

Black 24.6 24.0 12.0 (10.8, 13.2) -12.0* (-14.2, -9.9)

Hispanic 27.2 25.7 11.1 (10.1, 12.1) -14.6* (-16.3, -12.8)

Asian 44.3 46.3 25.7 (23.7, 27.9) -20.6* (-24.1, -17.0)

American Indian or Alaska Native 31.8 24.5 17.0 (11.8, 23.9) -7.5 (-15.1, 0.2)

Native Hawaiian or Other Pacific 

Islander NA NA NA NA NA NA

White 40.0 39.2 26.7 (26.1, 27.3) -12.5* (-13.3, -11.6)

Two or More Races 37.0 33.5 24.1 (20.3, 28.5) -9.4* (-15.8, -2.9)

Disability Status

Disabled, Aged 25 to 64 25.9 26.5 17.2 (15.8, 18.6) -9.4* (-11.5, -7.2)

Not Disabled, Aged 25 to 64 43.8 41.6 23.5 (22.8, 24.1) -18.1* (-19.1, -17.1)

Not Applicable (Not Aged 25 to 64) 25.0 26.8 22.9 (22.1, 23.6) -3.9* (-4.9, -2.9)

Monthly Income Volatility

Income Was About the Same Each 

Month 37.3 36.6 23.4 (22.9, 23.9) -13.2* (-14.0, -12.4)

Income Varied Somewhat From 

Month to Month 37.4 35.2 20.6 (19.6, 21.7) -14.6* (-16.2, -13.0)

Income Varied a Lot From Month to 

Month 33.7 35.8 21.9 (19.7, 24.2) -14.0* (-17.6, -10.4)
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 29

B.5 Online Banking as Primary Method of Bank Account Access by Household Characteristics, 

2015–2019 (continued)

For Banked Households That Accessed Their Account in the Past 12 Months

Characteristics 2015 

(Percent)

2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

Employment Status

Employed 43.3 41.1 23.0 (22.4, 23.6) -18.1* (-19.1, -17.1)

Unemployed 35.3 30.2 19.6 (16.6, 22.9) -10.6* (-15.2, -6.0)

Not in Labor Force 25.2 26.9 22.7 (22.0, 23.4) -4.2* (-5.2, -3.2)

Homeownership

Homeowner 39.8 39.7 27.5 (26.9, 28.1) -12.2* (-13.1, -11.3)

Non-Homeowner 31.0 28.5 13.3 (12.6, 14.0) -15.3* (-16.4, -14.1)

Household Type

Married Couple 43.4 42.6 28.4 (27.7, 29.1) -14.2* (-15.3, -13.1)

Unmarried Female-Headed Family 30.0 28.1 13.1 (12.0, 14.3) -15.0* (-16.9, -13.2)

Unmarried Male-Headed Family 28.1 27.3 15.7 (14.0, 17.6) -11.6* (-14.4, -8.8)

Female Individual 30.4 30.4 18.7 (17.7, 19.6) -11.8* (-13.2, -10.4)

Male Individual 31.9 30.0 19.9 (18.9, 21.0) -10.1* (-11.7, -8.6)

Other NA NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 37.3 36.4 23.6 (23.1, 24.1) -12.8* (-13.6, -12.0)

Foreign-Born Citizen 36.1 35.3 20.7 (19.1, 22.4) -14.6* (-17.2, -12.0)

Foreign-Born Noncitizen 30.8 30.5 14.5 (12.9, 16.3) -15.9* (-18.9, -13.0)

Metropolitan Status

Metropolitan Area - Principal City 36.9 35.9 21.3 (20.4, 22.2) -14.6* (-16.0, -13.2)

Metropolitan Area - Balance 40.8 39.4 25.3 (24.6, 26.1) -14.1* (-15.3, -13.0)

Not in Metropolitan Area 27.4 27.4 18.5 (17.4, 19.7) -8.8* (-10.4, -7.3)

Not Identified 34.0 33.5 22.0 (20.7, 23.4) -11.5* (-13.2, -9.7)

Geographic Region

Northeast 35.3 33.0 24.0 (23.0, 24.9) -9.0* (-10.6, -7.4)

Midwest 35.8 36.4 23.3 (22.1, 24.5) -13.2* (-14.7, -11.7)

South 35.5 35.4 20.4 (19.7, 21.2) -15.0* (-16.1, -13.8)

West 41.3 38.9 25.6 (24.6, 26.6) -13.3* (-14.8, -11.8)

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

produce a precise estimate.
30 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

B.6 Mobile Banking as Primary Method of Bank Account Access by Household Characteristics, 

2015–2019

For Banked Households That Accessed Their Account in the Past 12 Months

Characteristics 2015 

(Percent)

2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

All 9.5 15.6 34.0 (33.4, 34.5) 18.4* (17.7, 19.0)

Family Income

Less Than $15,000 7.1 11.2 23.5 (21.9, 25.2) 12.3* (10.3, 14.3)

$15,000 to $30,000 8.1 11.7 25.9 (24.4, 27.4) 14.2* (12.4, 16.0)

$30,000 to $50,000 9.7 16.0 33.2 (32.0, 34.4) 17.2* (15.7, 18.8)

$50,000 to $75,000 11.3 15.8 35.9 (34.6, 37.1) 20.1* (18.6, 21.6)

At Least $75,000 9.7 17.9 38.1 (37.3, 39.0) 20.2* (19.1, 21.4)

Education

No High School Diploma 4.0 8.2 19.2 (17.4, 21.1) 11.0* (8.7, 13.2)

High School Diploma 7.5 11.6 27.3 (26.2, 28.3) 15.7* (14.4, 16.9)

Some College 11.6 17.5 36.5 (35.4, 37.5) 19.0* (17.7, 20.3)

College Degree 10.4 18.2 38.6 (37.8, 39.4) 20.3* (19.2, 21.4)

Age Group

15 to 24 Years 25.0 36.1 62.9 (60.0, 65.6) 26.8* (23.1, 30.5)

25 to 34 Years 21.9 35.0 61.7 (60.2, 63.2) 26.7* (24.6, 28.8)

35 to 44 Years 14.3 22.6 49.8 (48.4, 51.3) 27.2* (25.4, 29.0)

45 to 54 Years 7.6 13.2 36.3 (35.0, 37.7) 23.1* (21.6, 24.6)

55 to 64 Years 3.4 7.0 21.3 (20.2, 22.5) 14.3* (13.0, 15.6)

65 Years or More 1.2 2.7 8.3 (7.8, 9.0) 5.7* (5.0, 6.3)

Race/Ethnicity

Black 10.6 17.2 37.2 (35.3, 39.1) 20.0* (17.7, 22.3)

Hispanic 12.6 19.2 41.3 (39.8, 42.9) 22.1* (20.1, 24.1)

Asian 8.4 15.4 39.3 (37.3, 41.4) 24.0* (21.1, 26.8)

American Indian or Alaska Native 10.2 15.1 30.5 (24.9, 36.7) 15.4* (7.7, 23.0)

Native Hawaiian or Other Pacific 

Islander NA NA NA NA NA NA

White 8.6 14.5 31.4 (30.8, 32.0) 16.9* (16.2, 17.6)

Two or More Races 20.1 26.6 45.5 (40.2, 50.9) 18.9* (12.0, 25.9)

Disability Status

Disabled, Aged 25 to 64 6.6 10.0 29.8 (27.9, 31.6) 19.7* (17.6, 21.8)

Not Disabled, Aged 25 to 64 11.9 19.8 42.9 (42.2, 43.6) 23.1* (22.2, 24.0)

Not Applicable (Not Aged 25 to 64) 5.2 8.2 16.7 (15.9, 17.5) 8.4* (7.5, 9.3)

Monthly Income Volatility

Income Was About the Same Each 

Month 8.7 14.9 32.0 (31.4, 32.6) 17.1* (16.4, 17.9)

Income Varied Somewhat From 

Month to Month 13.0 19.6 40.8 (39.6, 42.0) 21.2* (19.6, 22.7)

Income Varied a Lot From Month to 

Month 13.0 19.3 40.6 (37.9, 43.3) 21.3* (17.7, 24.9)
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 31

B.6 Mobile Banking as Primary Method of Bank Account Access by Household Characteristics, 

2015–2019 (continued)

For Banked Households That Accessed Their Account in the Past 12 Months

Characteristics 2015 

(Percent)

2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

Employment Status

Employed 12.5 20.4 43.3 (42.6, 44.0) 22.9* (22.0, 23.7)

Unemployed 11.4 21.2 37.4 (33.7, 41.4) 16.2* (11.5, 20.9)

Not in Labor Force 3.7 6.3 15.9 (15.2, 16.6) 9.6* (8.7, 10.5)

Homeownership

Homeowner 7.2 12.3 29.1 (28.5, 29.7) 16.7* (16.0, 17.5)

Non-Homeowner 14.0 22.1 43.9 (42.9, 45.0) 21.9* (20.5, 23.2)

Household Type

Married Couple 8.5 14.8 32.7 (32.0, 33.4) 17.9* (17.1, 18.8)

Unmarried Female-Headed Family 12.4 19.4 41.9 (40.1, 43.6) 22.5* (20.3, 24.6)

Unmarried Male-Headed Family 12.6 17.9 38.4 (35.8, 41.0) 20.5* (17.0, 24.0)

Female Individual 7.6 12.9 30.1 (29.0, 31.3) 17.2* (15.8, 18.7)

Male Individual 11.1 17.5 35.3 (34.0, 36.6) 17.7* (16.1, 19.4)

Other NA NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 9.7 15.7 33.8 (33.2, 34.3) 18.0* (17.4, 18.7)

Foreign-Born Citizen 6.9 12.4 31.5 (29.7, 33.3) 19.1* (16.8, 21.5)

Foreign-Born Noncitizen 9.9 17.9 40.8 (38.3, 43.4) 23.0* (19.9, 26.0)

Metropolitan Status

Metropolitan Area - Principal City 11.1 18.1 39.3 (38.3, 40.3) 21.1* (19.8, 22.4)

Metropolitan Area - Balance 9.5 15.6 34.2 (33.3, 35.1) 18.6* (17.5, 19.7)

Not in Metropolitan Area 6.7 11.2 24.3 (22.8, 25.8) 13.1* (11.4, 14.7)

Not Identified 8.9 14.5 31.3 (29.7, 33.0) 16.8* (15.0, 18.7)

Geographic Region

Northeast 7.4 12.3 28.7 (27.5, 29.9) 16.4* (14.9, 17.9)

Midwest 9.1 15.3 33.2 (32.1, 34.4) 18.0* (16.4, 19.5)

South 10.0 15.9 35.8 (34.9, 36.8) 19.9* (18.8, 21.1)

West 10.7 18.0 35.6 (34.5, 36.7) 17.6* (16.2, 19.0)

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

produce a precise estimate.
32 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

B.7 Did Not Visit a Bank Branch, Among Banked Households, by Household Characteristics, 

2017–2019

For Banked Households

Characteristics 2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

All 14.0 17.0 (16.6, 17.4) 3.0* (2.5, 3.6)

Family Income

Less Than $15,000 20.0 24.7 (23.1, 26.4) 4.7* (2.6, 6.9)

$15,000 to $30,000 14.5 18.6 (17.5, 19.8) 4.1* (2.7, 5.5)

$30,000 to $50,000 13.3 17.2 (16.3, 18.2) 3.9* (2.8, 5.0)

$50,000 to $75,000 12.8 15.6 (14.8, 16.4) 2.8* (1.5, 4.1)

At Least $75,000 13.1 15.3 (14.7, 16.0) 2.2* (1.4, 3.1)

Education

No High School Diploma 17.8 20.7 (19.1, 22.4) 2.9* (0.8, 5.1)

High School Diploma 13.6 18.4 (17.5, 19.3) 4.8* (3.7, 5.9)

Some College 13.2 15.9 (15.2, 16.7) 2.7* (1.7, 3.7)

College Degree 14.0 16.3 (15.7, 16.9) 2.3* (1.4, 3.1)

Age Group

15 to 24 Years 16.9 18.5 (16.5, 20.7) 1.7 (-1.2, 4.6)

25 to 34 Years 19.0 21.6 (20.5, 22.8) 2.6* (0.9, 4.2)

35 to 44 Years 16.7 20.1 (19.1, 21.2) 3.4* (2.2, 4.6)

45 to 54 Years 12.8 16.5 (15.5, 17.5) 3.7* (2.5, 4.9)

55 to 64 Years 11.8 13.5 (12.7, 14.4) 1.7* (0.5, 2.8)

65 Years or More 10.9 14.7 (14.0, 15.5) 3.9* (3.0, 4.8)

Race/Ethnicity

Black 17.8 21.4 (20.0, 22.9) 3.7* (1.8, 5.6)

Hispanic 17.5 21.4 (20.0, 22.9) 4.0* (2.0, 5.9)

Asian 19.5 22.9 (21.0, 25.0) 3.4* (0.6, 6.2)

American Indian or Alaska Native 12.6 19.4 (14.6, 25.3) 6.7 (-0.2, 13.7)

Native Hawaiian or Other Pacific Islander 11.9 NA NA NA NA

White 12.2 14.8 (14.3, 15.3) 2.6* (1.9, 3.2)

Two or More Races 17.0 21.2 (17.3, 25.8) 4.2 (-1.4, 9.8)

Disability Status

Disabled, Aged 25 to 64 15.6 18.5 (17.1, 20.0) 2.9* (1.1, 4.8)

Not Disabled, Aged 25 to 64 14.8 17.7 (17.2, 18.2) 2.9* (2.2, 3.5)

Not Applicable (Not Aged 25 to 64) 11.8 15.3 (14.6, 16.0) 3.5* (2.6, 4.3)

Monthly Income Volatility

Income Was About the Same Each Month 14.7 17.7 (17.3, 18.2) 3.0* (2.4, 3.6)

Income Varied Somewhat From Month to Month 10.9 14.8 (13.9, 15.7) 3.9* (2.7, 5.1)

Income Varied a Lot From Month to Month 9.3 12.7 (10.9, 14.8) 3.4* (0.7, 6.0)
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 33

B.7 Did Not Visit a Bank Branch, Among Banked Households, by Household Characteristics, 

2017–2019 (continued)

For Banked Households

Characteristics 2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

Employment Status

Employed 14.2 17.1 (16.6, 17.6) 3.0* (2.3, 3.7)

Unemployed 12.8 17.5 (14.6, 20.8) 4.7* (0.6, 8.9)

Not in Labor Force 13.7 16.7 (16.0, 17.4) 3.1* (2.1, 4.0)

Homeownership

Homeowner 11.5 14.6 (14.2, 15.1) 3.1* (2.5, 3.7)

Non-Homeowner 18.9 21.8 (21.1, 22.5) 2.9* (1.9, 4.0)

Household Type

Married Couple 12.1 14.7 (14.1, 15.3) 2.6* (1.9, 3.4)

Unmarried Female-Headed Family 15.9 17.8 (16.7, 19.0) 1.8* (0.1, 3.6)

Unmarried Male-Headed Family 13.7 16.4 (14.6, 18.3) 2.7* (0.1, 5.2)

Female Individual 16.7 20.1 (19.1, 21.2) 3.4* (2.0, 4.8)

Male Individual 15.2 19.4 (18.4, 20.5) 4.2* (2.8, 5.7)

Other NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 13.3 16.2 (15.8, 16.7) 2.9* (2.4, 3.5)

Foreign-Born Citizen 16.6 20.7 (19.2, 22.3) 4.1* (1.9, 6.3)

Foreign-Born Noncitizen 19.6 22.5 (20.7, 24.5) 3.0* (0.3, 5.7)

Metropolitan Status

Metropolitan Area - Principal City 17.1 20.8 (20.0, 21.6) 3.6* (2.5, 4.8)

Metropolitan Area - Balance 14.0 17.0 (16.4, 17.7) 3.0* (2.2, 3.8)

Not in Metropolitan Area 9.5 12.3 (11.2, 13.5) 2.8* (1.5, 4.2)

Not Identified 11.4 13.6 (12.6, 14.7) 2.2* (0.9, 3.4)

Geographic Region

Northeast 13.9 16.6 (15.6, 17.6) 2.6* (1.3, 4.0)

Midwest 11.0 14.1 (13.3, 15.0) 3.1* (2.0, 4.2)

South 15.1 18.5 (17.7, 19.2) 3.3* (2.4, 4.2)

West 14.8 17.6 (16.8, 18.5) 2.8* (1.6, 3.9)

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

produce a precise estimate.
34 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

B.8 Visited a Bank Branch One to Four Times, Among Banked Households, by Household 

Characteristics, 2017–2019

For Banked Households

Characteristics 2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

All 30.8 36.3 (35.7, 36.8) 5.5* (4.7, 6.2)

Family Income

Less Than $15,000 28.9 32.3 (30.6, 34.0) 3.4* (1.1, 5.8)

$15,000 to $30,000 29.1 34.8 (33.4, 36.2) 5.7* (4.0, 7.3)

$30,000 to $50,000 30.3 35.9 (34.7, 37.0) 5.6* (4.0, 7.1)

$50,000 to $75,000 30.7 35.8 (34.6, 37.0) 5.1* (3.5, 6.6)

At Least $75,000 32.3 38.0 (37.1, 38.9) 5.7* (4.5, 7.0)

Education

No High School Diploma 27.1 32.7 (30.9, 34.6) 5.6* (3.0, 8.2)

High School Diploma 29.3 33.4 (32.3, 34.5) 4.0* (2.5, 5.6)

Some College 30.1 36.4 (35.4, 37.4) 6.3* (5.0, 7.7)

College Degree 33.1 38.5 (37.7, 39.4) 5.4* (4.4, 6.5)

Age Group

15 to 24 Years 34.7 41.8 (39.0, 44.7) 7.1* (3.4, 10.8)

25 to 34 Years 35.6 40.0 (38.6, 41.4) 4.4* (2.7, 6.1)

35 to 44 Years 35.2 38.8 (37.5, 40.1) 3.6* (1.8, 5.4)

45 to 54 Years 30.9 35.6 (34.4, 36.9) 4.7* (2.8, 6.5)

55 to 64 Years 28.7 34.6 (33.5, 35.8) 5.9* (4.2, 7.7)

65 Years or More 25.7 33.0 (32.0, 34.0) 7.3* (6.0, 8.7)

Race/Ethnicity

Black 34.4 40.3 (38.4, 42.1) 5.8* (3.2, 8.4)

Hispanic 35.9 37.9 (36.4, 39.4) 2.0 (-0.2, 4.2)

Asian 33.7 40.8 (38.3, 43.3) 7.1* (3.8, 10.4)

American Indian or Alaska Native 27.5 30.8 (25.6, 36.4) 3.3 (-4.9, 11.6)

Native Hawaiian or Other Pacific Islander 34.8 NA NA NA NA

White 29.0 35.0 (34.3, 35.6) 5.9* (5.0, 6.9)

Two or More Races 32.5 35.4 (30.5, 40.7) 2.9 (-4.2, 10.0)

Disability Status

Disabled, Aged 25 to 64 30.2 32.5 (30.8, 34.3) 2.3 (-0.2, 4.8)

Not Disabled, Aged 25 to 64 32.7 37.7 (37.0, 38.4) 5.0* (4.0, 6.0)

Not Applicable (Not Aged 25 to 64) 27.1 34.3 (33.4, 35.2) 7.1* (5.8, 8.4)

Monthly Income Volatility

Income Was About the Same Each Month 31.4 36.9 (36.4, 37.5) 5.5* (4.6, 6.4)

Income Varied Somewhat From Month to Month 31.0 34.8 (33.5, 36.1) 3.8* (2.1, 5.6)

Income Varied a Lot From Month to Month 25.7 29.4 (26.9, 32.0) 3.7* (0.1, 7.3)
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 35

B.8 Visited a Bank Branch One to Four Times, Among Banked Households, by Household 

Characteristics, 2017–2019 (continued)

For Banked Households

Characteristics 2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

Employment Status

Employed 32.4 37.2 (36.5, 37.9) 4.8* (3.8, 5.8)

Unemployed 29.3 38.7 (35.2, 42.3) 9.4* (4.7, 14.1)

Not in Labor Force 28.0 34.3 (33.4, 35.3) 6.4* (5.1, 7.6)

Homeownership

Homeowner 29.9 35.5 (34.8, 36.1) 5.6* (4.6, 6.5)

Non-Homeowner 32.6 37.8 (36.9, 38.7) 5.3* (3.9, 6.6)

Household Type

Married Couple 30.2 35.5 (34.8, 36.3) 5.3* (4.2, 6.4)

Unmarried Female-Headed Family 31.7 37.8 (36.2, 39.4) 6.1* (4.0, 8.3)

Unmarried Male-Headed Family 29.2 35.3 (32.8, 37.8) 6.1* (2.6, 9.5)

Female Individual 31.9 36.7 (35.5, 37.9) 4.8* (3.0, 6.5)

Male Individual 31.0 37.1 (35.8, 38.4) 6.1* (4.3, 7.9)

Other NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 30.1 35.9 (35.3, 36.5) 5.8* (5.0, 6.7)

Foreign-Born Citizen 34.4 36.3 (34.5, 38.2) 1.9 (-0.7, 4.5)

Foreign-Born Noncitizen 35.4 40.9 (38.6, 43.2) 5.5* (2.0, 9.0)

Metropolitan Status

Metropolitan Area - Principal City 33.5 38.2 (37.2, 39.3) 4.7* (3.3, 6.1)

Metropolitan Area - Balance 32.8 38.2 (37.4, 38.9) 5.3* (4.2, 6.5)

Not in Metropolitan Area 22.5 29.3 (27.5, 31.3) 6.8* (4.3, 9.3)

Not Identified 26.8 32.6 (30.9, 34.4) 5.8* (3.9, 7.8)

Geographic Region

Northeast 29.5 33.0 (31.7, 34.3) 3.5* (1.7, 5.4)

Midwest 27.8 32.9 (31.7, 34.1) 5.1* (3.5, 6.7)

South 32.7 38.8 (37.8, 39.8) 6.1* (4.7, 7.5)

West 31.5 37.7 (36.6, 38.7) 6.2* (4.8, 7.6)

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

produce a precise estimate.
36 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

B.9 Visited a Bank Branch Five to Nine Times, Among Banked Households, by Household 

Characteristics, 2017–2019

For Banked Households

Characteristics 2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

All 18.2 18.3 (17.9, 18.7) 0.2 (-0.4, 0.8)

Family Income

Less Than $15,000 13.5 15.0 (13.8, 16.3) 1.5 (-0.2, 3.2)

$15,000 to $30,000 15.6 16.8 (15.8, 17.9) 1.2 (-0.2, 2.6)

$30,000 to $50,000 18.0 18.1 (17.2, 19.0) 0.0 (-1.3, 1.3)

$50,000 to $75,000 18.6 18.9 (17.9, 19.8) 0.2 (-1.1, 1.5)

At Least $75,000 20.2 19.5 (18.8, 20.1) -0.8 (-1.7, 0.2)

Education

No High School Diploma 13.2 15.6 (14.2, 17.2) 2.4* (0.5, 4.4)

High School Diploma 15.9 16.3 (15.6, 17.1) 0.5 (-0.6, 1.5)

Some College 18.7 18.0 (17.3, 18.7) -0.7 (-1.7, 0.4)

College Degree 20.3 20.3 (19.6, 20.9) -0.1 (-1.0, 0.9)

Age Group

15 to 24 Years 17.5 16.7 (14.6, 18.9) -0.8 (-3.4, 1.8)

25 to 34 Years 18.0 17.3 (16.2, 18.4) -0.7 (-2.2, 0.8)

35 to 44 Years 17.9 17.8 (16.9, 18.8) -0.1 (-1.4, 1.2)

45 to 54 Years 19.1 19.0 (18.0, 20.2) -0.1 (-1.6, 1.5)

55 to 64 Years 18.0 19.2 (18.3, 20.2) 1.2 (-0.2, 2.5)

65 Years or More 18.0 18.5 (17.7, 19.3) 0.5 (-0.5, 1.5)

Race/Ethnicity

Black 18.3 17.0 (15.6, 18.4) -1.3 (-3.2, 0.5)

Hispanic 15.8 16.4 (15.3, 17.6) 0.6 (-1.0, 2.2)

Asian 17.7 16.2 (14.5, 18.1) -1.4 (-4.1, 1.2)

American Indian or Alaska Native 11.8 15.5 (11.3, 20.8) 3.7 (-2.0, 9.4)

Native Hawaiian or Other Pacific Islander 15.9 NA NA NA NA

White 18.7 19.1 (18.7, 19.6) 0.4 (-0.3, 1.1)

Two or More Races 15.4 17.1 (13.5, 21.5) 1.7 (-3.9, 7.3)

Disability Status

Disabled, Aged 25 to 64 16.1 18.0 (16.6, 19.6) 1.9 (-0.1, 3.9)

Not Disabled, Aged 25 to 64 18.5 18.4 (17.9, 18.9) -0.1 (-0.9, 0.6)

Not Applicable (Not Aged 25 to 64) 17.9 18.2 (17.5, 19.0) 0.3 (-0.6, 1.2)

Monthly Income Volatility

Income Was About the Same Each Month 18.4 18.0 (17.6, 18.5) -0.3 (-1.0, 0.3)

Income Varied Somewhat From Month to Month 18.5 19.5 (18.5, 20.5) 1.0 (-0.5, 2.5)

Income Varied a Lot From Month to Month 17.0 18.8 (17.0, 20.8) 1.8 (-1.0, 4.6)
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 37

B.9 Visited a Bank Branch Five to Nine Times, Among Banked Households, by Household 

Characteristics, 2017–2019 (continued)

For Banked Households

Characteristics 2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

Employment Status

Employed 18.6 18.3 (17.8, 18.9) -0.2 (-0.9, 0.5)

Unemployed 21.1 17.8 (15.0, 21.1) -3.3 (-7.7, 1.1)

Not in Labor Force 17.3 18.3 (17.7, 19.0) 1.0* (0.2, 1.9)

Homeownership

Homeowner 18.9 19.3 (18.8, 19.8) 0.4 (-0.3, 1.1)

Non-Homeowner 16.7 16.4 (15.7, 17.1) -0.2 (-1.3, 0.8)

Household Type

Married Couple 18.9 19.5 (18.9, 20.1) 0.6 (-0.3, 1.4)

Unmarried Female-Headed Family 18.8 17.4 (16.2, 18.7) -1.4 (-3.2, 0.3)

Unmarried Male-Headed Family 18.1 16.6 (14.8, 18.5) -1.5 (-4.3, 1.3)

Female Individual 16.8 17.8 (16.9, 18.8) 1.0 (-0.3, 2.4)

Male Individual 17.2 16.9 (15.9, 17.9) -0.3 (-1.9, 1.3)

Other NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 18.5 18.6 (18.2, 19.1) 0.1 (-0.5, 0.8)

Foreign-Born Citizen 17.9 17.0 (15.6, 18.5) -0.9 (-3.0, 1.2)

Foreign-Born Noncitizen 14.1 16.3 (14.6, 18.1) 2.2 (-0.2, 4.5)

Metropolitan Status

Metropolitan Area - Principal City 17.9 18.4 (17.6, 19.2) 0.4 (-0.8, 1.6)

Metropolitan Area - Balance 18.7 18.6 (18.0, 19.2) -0.1 (-0.9, 0.7)

Not in Metropolitan Area 17.9 16.7 (15.6, 17.9) -1.1 (-2.7, 0.4)

Not Identified 17.4 19.0 (17.9, 20.0) 1.6* (0.1, 3.1)

Geographic Region

Northeast 17.8 19.2 (18.3, 20.1) 1.4* (0.1, 2.8)

Midwest 18.3 19.1 (18.2, 20.1) 0.8 (-0.6, 2.1)

South 18.1 17.9 (17.2, 18.7) -0.1 (-1.2, 0.9)

West 18.5 17.6 (16.7, 18.5) -0.9 (-2.1, 0.3)

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

produce a precise estimate.
38 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

B.10 Visited a Bank Branch Ten or More Times, Among Banked Households, by Household 

Characteristics, 2017–2019

For Banked Households

Characteristics 2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

All 35.4 28.4 (27.9, 28.9) -7.0* (-7.8, -6.2)

Family Income

Less Than $15,000 35.7 27.9 (26.4, 29.6) -7.8* (-10.0, -5.5)

$15,000 to $30,000 38.6 29.8 (28.5, 31.2) -8.7* (-10.7, -6.7)

$30,000 to $50,000 36.5 28.9 (27.8, 30.0) -7.6* (-9.1, -6.1)

$50,000 to $75,000 36.6 29.8 (28.6, 31.0) -6.8* (-8.5, -5.1)

At Least $75,000 32.9 27.2 (26.5, 27.9) -5.7* (-6.8, -4.7)

Education

No High School Diploma 39.7 31.0 (29.1, 33.0) -8.7* (-11.4, -6.0)

High School Diploma 39.3 31.9 (30.9, 33.0) -7.4* (-8.9, -5.8)

Some College 36.5 29.7 (28.7, 30.6) -6.9* (-8.3, -5.5)

College Degree 31.2 24.9 (24.3, 25.7) -6.2* (-7.3, -5.2)

Age Group

15 to 24 Years 30.1 23.0 (20.7, 25.4) -7.1* (-10.6, -3.6)

25 to 34 Years 26.1 21.1 (20.0, 22.3) -5.0* (-6.7, -3.2)

35 to 44 Years 28.1 23.3 (22.2, 24.4) -4.8* (-6.3, -3.3)

45 to 54 Years 35.7 28.9 (27.8, 30.0) -6.8* (-8.5, -5.1)

55 to 64 Years 40.0 32.6 (31.5, 33.8) -7.4* (-9.0, -5.7)

65 Years or More 43.5 33.8 (32.8, 34.8) -9.7* (-11.2, -8.2)

Race/Ethnicity

Black 27.7 21.3 (20.1, 22.7) -6.4* (-8.3, -4.5)

Hispanic 29.0 24.3 (22.9, 25.7) -4.7* (-6.7, -2.7)

Asian 26.8 20.1 (18.1, 22.3) -6.7* (-10.0, -3.4)

American Indian or Alaska Native 45.7 34.3 (28.3, 41.0) -11.4* (-20.1, -2.6)

Native Hawaiian or Other Pacific Islander 37.4 NA NA NA NA

White 38.4 31.1 (30.5, 31.7) -7.3* (-8.2, -6.4)

Two or More Races 33.5 26.3 (22.4, 30.5) -7.3* (-13.7, -0.9)

Disability Status

Disabled, Aged 25 to 64 37.1 30.9 (29.1, 32.8) -6.2* (-8.7, -3.7)

Not Disabled, Aged 25 to 64 32.3 26.2 (25.5, 26.9) -6.1* (-7.1, -5.1)

Not Applicable (Not Aged 25 to 64) 41.3 32.2 (31.3, 33.1) -9.1* (-10.5, -7.7)

Monthly Income Volatility

Income Was About the Same Each Month 34.7 27.3 (26.8, 27.9) -7.4* (-8.2, -6.5)

Income Varied Somewhat From Month to Month 38.8 30.9 (29.8, 32.0) -8.0* (-9.6, -6.3)

Income Varied a Lot From Month to Month 46.7 39.1 (36.4, 41.9) -7.6* (-11.4, -3.9)
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 39

B.10 Visited a Bank Branch Ten or More Times, Among Banked Households, by Household 

Characteristics, 2017–2019 (continued)

For Banked Households

Characteristics 2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

Employment Status

Employed 33.3 27.3 (26.6, 28.0) -6.0* (-7.0, -5.1)

Unemployed 34.9 26.0 (22.9, 29.3) -8.9* (-13.6, -4.3)

Not in Labor Force 39.3 30.6 (29.8, 31.5) -8.7* (-9.9, -7.4)

Homeownership

Homeowner 38.1 30.6 (30.0, 31.3) -7.5* (-8.4, -6.5)

Non-Homeowner 30.1 24.0 (23.2, 24.8) -6.2* (-7.4, -4.9)

Household Type

Married Couple 37.2 30.3 (29.5, 31.0) -6.9* (-8.0, -5.8)

Unmarried Female-Headed Family 32.6 27.0 (25.6, 28.5) -5.5* (-7.7, -3.4)

Unmarried Male-Headed Family 37.3 31.8 (29.5, 34.3) -5.5* (-8.8, -2.2)

Female Individual 32.6 25.4 (24.3, 26.5) -7.2* (-8.8, -5.7)

Male Individual 34.9 26.6 (25.5, 27.8) -8.3* (-10.0, -6.6)

Other NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 36.6 29.2 (28.7, 29.8) -7.4* (-8.2, -6.6)

Foreign-Born Citizen 28.1 26.0 (24.3, 27.7) -2.1 (-4.9, 0.7)

Foreign-Born Noncitizen 28.7 20.3 (18.4, 22.3) -8.4* (-11.3, -5.5)

Metropolitan Status

Metropolitan Area - Principal City 29.8 22.6 (21.7, 23.6) -7.1* (-8.6, -5.7)

Metropolitan Area - Balance 32.7 26.2 (25.5, 26.9) -6.5* (-7.6, -5.4)

Not in Metropolitan Area 49.0 41.6 (39.8, 43.5) -7.3* (-9.7, -4.9)

Not Identified 42.6 34.8 (33.1, 36.5) -7.8* (-10.0, -5.5)

Geographic Region

Northeast 36.8 31.2 (30.0, 32.4) -5.6* (-7.5, -3.7)

Midwest 41.4 33.9 (32.8, 35.1) -7.5* (-9.2, -5.8)

South 32.4 24.8 (24.0, 25.6) -7.6* (-8.8, -6.3)

West 33.8 27.1 (26.1, 28.1) -6.6* (-8.2, -5.1)

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

produce a precise estimate.
40 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

B.11 Number of Bank Branch Visits, Among Banked Households That Visited a Branch, 

by Household Characteristics, 2019

For Banked Households That Visited a Bank Branch in the Past 12 Months, Row Percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

1 to 4 Times 

(Percent)

5 to 9 Times 

(Percent)

10 or More 

Times 

(Percent)

All 103,087 100.0 43.7 22.1 34.2

Family Income

Less Than $15,000 8,119 100.0 42.9 20.0 37.1

$15,000 to $30,000 13,739 100.0 42.7 20.6 36.6

$30,000 to $50,000 19,506 100.0 43.3 21.8 34.9

$50,000 to $75,000 19,793 100.0 42.4 22.3 35.3

At Least $75,000 41,930 100.0 44.9 23.0 32.1

Education

No High School Diploma 7,104 100.0 41.2 19.7 39.1

High School Diploma 24,509 100.0 40.9 20.0 39.1

Some College 29,914 100.0 43.3 21.4 35.3

College Degree 41,559 100.0 46.0 24.2 29.8

Age Group

15 to 24 Years 4,685 100.0 51.3 20.5 28.2

25 to 34 Years 15,633 100.0 51.0 22.0 26.9

35 to 44 Years 16,737 100.0 48.6 22.3 29.1

45 to 54 Years 17,694 100.0 42.6 22.8 34.6

55 to 64 Years 19,984 100.0 40.0 22.2 37.7

65 Years or More 28,354 100.0 38.7 21.7 39.6

Race/Ethnicity

Black 11,325 100.0 51.2 21.6 27.2

Hispanic 12,662 100.0 48.3 20.9 30.9

Asian 5,312 100.0 52.9 21.0 26.1

American Indian or Alaska Native 645 100.0 38.2 19.2 42.6

Native Hawaiian or Other Pacific Islander NA NA NA NA NA

White 71,582 100.0 41.0 22.5 36.5

Two or More Races 1,325 100.0 44.9 21.7 33.3

Disability Status

Disabled, Aged 25 to 64 7,285 100.0 39.9 22.1 38.0

Not Disabled, Aged 25 to 64 62,763 100.0 45.8 22.4 31.8

Not Applicable (Not Aged 25 to 64) 33,039 100.0 40.5 21.5 38.0

Monthly Income Volatility

Income Was About the Same Each Month 79,792 100.0 44.9 21.9 33.2

Income Varied Somewhat From Month to Month 19,123 100.0 40.9 22.9 36.2

Income Varied a Lot From Month to Month 4,172 100.0 33.7 21.6 44.8
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 41

B.11 Number of Bank Branch Visits, Among Banked Households That Visited a Branch, 

by Household Characteristics, 2019 (continued)

For Banked Households That Visited a Bank Branch in the Past 12 Months, Row Percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

1 to 4 Times 

(Percent)

5 to 9 Times 

(Percent)

10 or More 

Times 

(Percent)

Employment Status

Employed 65,138 100.0 44.9 22.1 32.9

Unemployed 2,068 100.0 46.9 21.6 31.5

Not in Labor Force 35,881 100.0 41.2 22.0 36.8

Homeownership

Homeowner 70,955 100.0 41.6 22.6 35.9

Non-Homeowner 32,132 100.0 48.4 21.0 30.6

Household Type

Married Couple 50,888 100.0 41.7 22.8 35.5

Unmarried Female-Headed Family 11,129 100.0 46.0 21.1 32.9

Unmarried Male-Headed Family 5,100 100.0 42.2 19.8 38.0

Female Individual 18,800 100.0 45.9 22.3 31.8

Male Individual 17,059 100.0 46.0 20.9 33.1

Other NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 89,001 100.0 42.9 22.2 34.9

Foreign-Born Citizen 8,577 100.0 45.8 21.5 32.8

Foreign-Born Noncitizen 5,509 100.0 52.8 21.0 26.2

Metropolitan Status

Metropolitan Area - Principal City 27,945 100.0 48.3 23.2 28.6

Metropolitan Area - Balance 45,697 100.0 46.0 22.4 31.6

Not in Metropolitan Area 14,070 100.0 33.4 19.1 47.5

Not Identified 15,375 100.0 37.8 22.0 40.3

Geographic Region

Northeast 17,990 100.0 39.6 23.0 37.4

Midwest 23,092 100.0 38.3 22.2 39.5

South 38,484 100.0 47.6 22.0 30.4

West 23,521 100.0 45.7 21.4 32.9

NA indicates that the sample size is too small to produce a precise estimate.
42 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

B.12 Number of Bank Branch Visits, Among Unbanked Households, by Previous Bank Account 

Ownership and Household Characteristics, 2019

For Unbanked Households, Row Percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

1 to 4 Times 

(Percent)

5 to 9 Times 

(Percent)

10 or More 

Times 

(Percent)

Did Not Visit 

Bank Branch 

in Past 12 

Months 

(Percent)

All 7,056 100.0 8.5 2.4 5.5 83.6

Previous Bank Account Ownership

Previously Banked 3,472 100.0 12.3 3.5 7.7 76.4

Never Banked 3,420 100.0 4.2 1.0 2.3 92.5

Family Income

Less Than $15,000 3,267 100.0 9.3 0.7 3.0 87.0

$15,000 to $30,000 1,969 100.0 7.5 2.4 6.1 84.0

$30,000 to $50,000 1,129 100.0 7.0 4.9 8.6 79.6

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

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

Education

No High School Diploma 2,434 100.0 7.0 1.4 3.3 88.4

High School Diploma 2,636 100.0 7.8 3.2 5.3 83.7

Some College 1,585 100.0 10.8 2.0 8.3 78.9

College Degree NA NA NA NA NA NA

Age Group

15 to 24 Years 555 100.0 12.4 4.2 0.1 83.3

25 to 34 Years 1,476 100.0 9.1 4.8 5.3 80.8

35 to 44 Years 1,401 100.0 10.4 1.3 6.0 82.3

45 to 54 Years 1,146 100.0 7.9 1.8 6.9 83.4

55 to 64 Years 1,337 100.0 7.6 1.6 6.7 84.1

65 Years or More 1,140 100.0 5.1 1.2 4.9 88.8

Race/Ethnicity

Black 2,314 100.0 7.8 2.2 4.6 85.4

Hispanic 2,236 100.0 9.3 1.9 4.5 84.3

Asian NA NA NA NA NA NA

American Indian or Alaska Native NA NA NA NA NA NA

Native Hawaiian or Other Pacific 

Islander NA NA NA NA NA NA

White 2,131 100.0 9.3 2.7 7.1 80.8

Two or More Races NA NA NA NA NA NA

Disability Status

Disabled, Aged 25 to 64 1,728 100.0 4.9 0.8 4.4 89.9

Not Disabled, Aged 25 to 64 3,632 100.0 10.7 3.2 7.0 79.1

Not Applicable (Not Aged 25 to 64) 1,696 100.0 7.5 2.2 3.3 87.0
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 43

B.12 Number of Bank Branch Visits, Among Unbanked Households, by Previous Bank Account 

Ownership and Household Characteristics, 2019 (continued)

For Unbanked Households, Row Percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

1 to 4 Times 

(Percent)

5 to 9 Times 

(Percent)

10 or More 

Times 

(Percent)

Did Not Visit 

Bank Branch 

in Past 12 

Months 

(Percent)

Monthly Income Volatility

Income Was About the Same Each 

Month 4,950 100.0 8.0 2.1 5.4 84.5

Income Varied Somewhat From 

Month to Month 1,533 100.0 8.8 2.7 4.0 84.5

Income Varied a Lot From Month to 

Month 573 100.0 12.3 3.9 10.1 73.7

Employment Status

Employed 2,937 100.0 10.2 4.0 7.9 78.0

Unemployed NA NA NA NA NA NA

Not in Labor Force 3,739 100.0 7.0 0.9 4.0 88.1

Homeownership

Homeowner 1,578 100.0 7.0 2.0 6.1 84.9

Non-Homeowner 5,478 100.0 8.9 2.5 5.3 83.3

Household Type

Married Couple 1,305 100.0 8.1 3.1 7.2 81.6

Unmarried Female-Headed Family 1,696 100.0 9.7 2.4 5.0 82.9

Unmarried Male-Headed Family 504 100.0 9.1 1.3 4.9 84.6

Female Individual 1,459 100.0 6.4 2.0 3.5 88.2

Male Individual 2,010 100.0 8.8 2.6 6.6 82.0

Other NA NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 5,414 100.0 8.5 2.6 5.4 83.5

Foreign-Born Citizen NA NA NA NA NA NA

Foreign-Born Noncitizen 1,215 100.0 7.5 2.0 4.2 86.3

Metropolitan Status

Metropolitan Area - Principal City 3,102 100.0 8.8 1.6 4.5 85.0

Metropolitan Area - Balance 2,100 100.0 7.9 3.5 6.7 81.9

Not in Metropolitan Area 1,069 100.0 10.5 2.3 5.5 81.8

Not Identified 785 100.0 6.2 2.5 6.0 85.4

Geographic Region

Northeast 1,058 100.0 7.6 2.5 4.3 85.6

Midwest 1,408 100.0 10.6 1.5 6.8 81.1

South 3,135 100.0 7.4 2.5 5.8 84.3

West 1,455 100.0 9.5 3.1 4.2 83.2

NA indicates that the sample size is too small to produce a precise estimate.
44 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

B.13 Mobile Phone Access by Bank Account Ownership and Household Characteristics, 

2015–2019

For All Households

Characteristics 2015 

(Percent)

2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

All 90.3 92.2 95.0 (94.8, 95.3) 2.8* (2.5, 3.2)

Bank Account Ownership

Unbanked 78.1 81.2 83.4 (81.5, 85.1) 2.2 (-0.6, 5.0)

Banked 91.1 92.9 95.7 (95.5, 95.9) 2.8* (2.4, 3.1)

Family Income

Less Than $15,000 79.0 80.5 85.9 (84.7, 87.0) 5.4* (3.6, 7.2)

$15,000 to $30,000 84.0 86.1 90.5 (89.6, 91.3) 4.4* (3.1, 5.8)

$30,000 to $50,000 90.6 91.9 95.1 (94.6, 95.6) 3.1* (2.4, 3.9)

$50,000 to $75,000 93.2 95.1 96.7 (96.2, 97.1) 1.5* (0.8, 2.2)

At Least $75,000 96.6 97.5 98.5 (98.3, 98.7) 1.0* (0.6, 1.4)

Education

No High School Diploma 77.0 80.3 86.9 (85.5, 88.1) 6.6* (4.7, 8.4)

High School Diploma 87.2 89.5 92.3 (91.7, 92.8) 2.8* (1.9, 3.6)

Some College 92.1 93.7 96.3 (95.9, 96.6) 2.6* (2.0, 3.1)

College Degree 95.1 96.0 97.8 (97.5, 98.0) 1.8* (1.4, 2.2)

Age Group

15 to 24 Years 94.0 96.7 97.2 (96.4, 97.8) 0.5 (-0.7, 1.7)

25 to 34 Years 95.3 97.4 97.9 (97.4, 98.2) 0.5 (-0.2, 1.2)

35 to 44 Years 94.8 96.9 97.6 (97.1, 98.0) 0.8* (0.1, 1.4)

45 to 54 Years 93.9 95.3 97.3 (96.9, 97.6) 2.0* (1.4, 2.6)

55 to 64 Years 90.5 93.0 95.6 (95.1, 96.1) 2.6* (1.8, 3.4)

65 Years or More 79.6 81.7 89.3 (88.7, 89.9) 7.6* (6.6, 8.6)

Race/Ethnicity

Black 88.2 91.4 93.3 (92.3, 94.2) 1.9* (0.6, 3.2)

Hispanic 89.1 92.2 94.9 (94.1, 95.5) 2.6* (1.6, 3.7)

Asian 91.4 93.2 95.6 (94.6, 96.4) 2.4* (0.8, 3.9)

American Indian or Alaska Native 90.1 89.9 91.2 (86.9, 94.1) 1.3 (-3.8, 6.4)

Native Hawaiian or Other Pacific 

Islander 97.5 91.3 NA NA NA NA

White 90.7 92.3 95.4 (95.1, 95.6) 3.1* (2.6, 3.5)

Two or More Races 95.2 93.0 97.0 (95.2, 98.1) 4.0* (1.4, 6.5)

Disability Status

Disabled, Aged 25 to 64 85.8 88.5 92.3 (91.2, 93.4) 3.9* (2.2, 5.5)

Not Disabled, Aged 25 to 64 94.7 96.5 97.7 (97.5, 97.9) 1.2* (0.8, 1.5)

Not Applicable (Not Aged 25 to 64) 82.2 84.3 90.5 (90.0, 91.0) 6.2* (5.3, 7.0)
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 45

B.13 Mobile Phone Access by Bank Account Ownership and Household Characteristics, 

2015–2019 (continued)

For All Households

Characteristics 2015 

(Percent)

2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

Monthly Income Volatility

Income Was About the Same Each 

Month 89.3 91.2 94.7 (94.4, 94.9) 3.5* (3.0, 3.9)

Income Varied Somewhat From 

Month to Month 93.9 96.0 96.0 (95.4, 96.5) 0.0 (-0.7, 0.7)

Income Varied a Lot From Month to 

Month 93.6 95.0 97.1 (96.0, 97.8) 2.1* (0.7, 3.5)

Employment Status

Employed 95.1 96.8 97.9 (97.7, 98.1) 1.1* (0.8, 1.4)

Unemployed 93.7 90.9 96.5 (95.0, 97.5) 5.6* (3.3, 7.9)

Not in Labor Force 81.4 84.2 89.9 (89.4, 90.5) 5.8* (4.9, 6.6)

Homeownership

Homeowner 91.1 92.9 95.5 (95.2, 95.7) 2.6* (2.2, 3.1)

Non-Homeowner 88.9 91.0 94.2 (93.7, 94.6) 3.2* (2.5, 3.9)

Household Type

Married Couple 93.4 94.8 96.9 (96.6, 97.1) 2.1* (1.6, 2.6)

Unmarried Female-Headed Family 91.6 93.8 96.4 (95.7, 97.0) 2.5* (1.5, 3.6)

Unmarried Male-Headed Family 92.1 95.5 95.8 (94.6, 96.7) 0.3 (-1.1, 1.6)

Female Individual 82.8 85.7 91.1 (90.4, 91.8) 5.4* (4.3, 6.5)

Male Individual 88.1 90.0 93.5 (92.9, 94.0) 3.5* (2.6, 4.4)

Other NA NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 90.4 92.3 95.1 (94.8, 95.3) 2.8* (2.4, 3.2)

Foreign-Born Citizen 89.3 91.0 94.0 (93.0, 94.9) 3.0* (1.4, 4.6)

Foreign-Born Noncitizen 89.0 92.1 95.6 (94.7, 96.4) 3.5* (2.1, 4.9)

Metropolitan Status

Metropolitan Area - Principal City 90.8 92.6 95.1 (94.6, 95.6) 2.5* (1.8, 3.3)

Metropolitan Area - Balance 91.3 93.5 96.2 (95.9, 96.5) 2.7* (2.1, 3.2)

Not in Metropolitan Area 86.8 88.2 91.2 (90.4, 92.0) 3.0* (1.7, 4.4)

Not Identified 89.5 91.4 94.8 (94.2, 95.4) 3.5* (2.5, 4.5)

Geographic Region

Northeast 88.9 91.1 94.9 (94.3, 95.5) 3.9* (2.8, 4.8)

Midwest 90.4 92.5 95.1 (94.6, 95.6) 2.7* (1.8, 3.5)

South 90.5 92.6 94.9 (94.5, 95.3) 2.2* (1.6, 2.9)

West 90.8 92.0 95.3 (94.8, 95.7) 3.2* (2.4, 4.0)

The estimates of mobile phone access in 2017 and 2015 reported here differ from those published in earlier reports due to a difference 

in how nonresponse is handled; see Appendix 1 (FDIC Technical Notes) for details. Asterisk indicates differences that are statistically 

significant at the 10 percent level. NA indicates that the sample size is too small to produce a precise estimate.
46 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

B.14 Smartphone Access by Bank Account Ownership and Household Characteristics, 

2015–2019

For All Households

Characteristics 2015 

(Percent)

2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

All 72.3 79.6 85.4 (85.0, 85.8) 5.8* (5.2, 6.3)

Bank Account Ownership

Unbanked 49.0 57.5 63.7 (61.2, 66.2) 6.2* (2.7, 9.7)

Banked 73.9 81.1 86.6 (86.3, 87.0) 5.6* (5.0, 6.1)

Family Income

Less Than $15,000 48.2 55.7 63.3 (61.6, 64.9) 7.6* (5.3, 10.0)

$15,000 to $30,000 55.2 63.3 72.7 (71.3, 73.9) 9.3* (7.2, 11.4)

$30,000 to $50,000 69.6 76.2 82.3 (81.4, 83.2) 6.2* (4.8, 7.5)

$50,000 to $75,000 79.2 86.0 89.9 (89.1, 90.6) 3.9* (2.8, 4.9)

At Least $75,000 89.6 93.6 95.8 (95.5, 96.1) 2.2* (1.6, 2.8)

Education

No High School Diploma 45.2 54.3 65.6 (63.8, 67.4) 11.3* (8.9, 13.8)

High School Diploma 62.5 71.5 77.5 (76.6, 78.4) 6.0* (4.8, 7.3)

Some College 75.6 82.7 87.8 (87.2, 88.4) 5.1* (4.2, 6.0)

College Degree 85.3 89.5 93.2 (92.9, 93.6) 3.7* (3.1, 4.3)

Age Group

15 to 24 Years 88.5 92.5 94.7 (93.5, 95.8) 2.2* (0.4, 4.0)

25 to 34 Years 89.3 94.4 95.0 (94.3, 95.6) 0.6 (-0.3, 1.5)

35 to 44 Years 87.4 91.6 94.6 (93.9, 95.2) 3.0* (2.1, 4.0)

45 to 54 Years 81.2 88.4 92.9 (92.2, 93.5) 4.5* (3.5, 5.5)

55 to 64 Years 68.6 78.8 86.0 (85.1, 86.9) 7.3* (5.9, 8.6)

65 Years or More 41.7 53.1 66.4 (65.4, 67.3) 13.3* (11.8, 14.8)

Race/Ethnicity

Black 68.9 77.8 81.5 (80.0, 82.9) 3.7* (1.8, 5.6)

Hispanic 73.2 81.5 86.5 (85.3, 87.5) 5.0* (3.4, 6.6)

Asian 81.6 87.4 90.5 (89.0, 91.8) 3.1* (0.9, 5.2)

American Indian or Alaska Native 64.0 71.5 76.8 (70.9, 81.9) 5.3 (-1.6, 12.2)

Native Hawaiian or Other Pacific 

Islander 89.4 83.8 NA NA NA NA

White 71.9 79.0 85.4 (85.0, 85.8) 6.4* (5.8, 7.0)

Two or More Races 85.0 85.7 91.9 (89.2, 94.0) 6.2* (2.3, 10.0)

Disability Status

Disabled, Aged 25 to 64 58.7 67.8 79.0 (77.2, 80.7) 11.2* (8.8, 13.6)

Not Disabled, Aged 25 to 64 84.5 90.8 93.7 (93.3, 94.0) 2.9* (2.3, 3.4)

Not Applicable (Not Aged 25 to 64) 50.2 60.0 70.8 (69.9, 71.6) 10.7* (9.5, 12.0)
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 47

B.14 Smartphone Access by Bank Account Ownership and Household Characteristics, 

2015–2019 (continued)

For All Households

Characteristics 2015 

(Percent)

2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

Monthly Income Volatility

Income Was About the Same Each 

Month 69.7 77.4 83.8 (83.4, 84.3) 6.4* (5.7, 7.1)

Income Varied Somewhat From 

Month to Month 82.1 88.4 91.0 (90.3, 91.7) 2.7* (1.7, 3.6)

Income Varied a Lot From Month to 

Month 78.1 85.0 89.4 (87.8, 90.8) 4.4* (2.0, 6.8)

Employment Status

Employed 85.3 91.0 93.9 (93.6, 94.2) 2.9* (2.4, 3.4)

Unemployed 75.6 82.3 89.5 (87.3, 91.4) 7.2* (3.9, 10.6)

Not in Labor Force 49.4 59.3 70.2 (69.4, 71.0) 10.9* (9.7, 12.1)

Homeownership

Homeowner 72.7 80.0 86.1 (85.7, 86.5) 6.2* (5.5, 6.8)

Non-Homeowner 71.6 79.0 84.1 (83.2, 84.8) 5.0* (3.9, 6.1)

Household Type

Married Couple 79.1 85.4 90.4 (90.0, 90.9) 5.0* (4.4, 5.7)

Unmarried Female-Headed Family 77.3 84.3 89.5 (88.5, 90.4) 5.2* (3.8, 6.5)

Unmarried Male-Headed Family 79.1 85.9 89.3 (87.7, 90.7) 3.4* (1.1, 5.7)

Female Individual 55.2 65.6 74.7 (73.6, 75.8) 9.1* (7.6, 10.5)

Male Individual 66.2 73.6 80.1 (79.1, 81.1) 6.5* (4.9, 8.0)

Other NA NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 72.2 79.3 85.3 (84.8, 85.7) 6.0* (5.4, 6.6)

Foreign-Born Citizen 72.3 80.8 84.3 (82.9, 85.6) 3.5* (1.5, 5.5)

Foreign-Born Noncitizen 73.8 82.7 88.5 (87.1, 89.8) 5.8* (3.6, 8.0)

Metropolitan Status

Metropolitan Area - Principal City 75.3 82.2 86.2 (85.5, 87.0) 4.0* (2.9, 5.1)

Metropolitan Area - Balance 75.8 82.6 88.4 (87.9, 88.9) 5.8* (5.0, 6.7)

Not in Metropolitan Area 60.2 67.7 75.6 (74.2, 77.0) 7.9* (6.2, 9.7)

Not Identified 68.0 76.9 83.3 (82.0, 84.5) 6.3* (4.6, 8.1)

Geographic Region

Northeast 70.1 78.7 84.8 (83.8, 85.7) 6.0* (4.7, 7.4)

Midwest 71.0 78.9 84.8 (84.0, 85.7) 5.9* (4.7, 7.2)

South 72.0 79.4 84.8 (84.1, 85.6) 5.4* (4.5, 6.3)

West 75.7 81.3 87.3 (86.6, 88.0) 6.0* (4.9, 7.2)

The estimates of smartphone access in 2017 and 2015 reported here differ from those published in earlier reports due to a difference 

in how nonresponse is handled; see Appendix 1 (FDIC Technical Notes) for details. Asterisk indicates differences that are statistically 

significant at the 10 percent level. NA indicates that the sample size is too small to produce a precise estimate.
48 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

B.15 Home Internet Access by Bank Account Ownership and Household Characteristics, 

2015–2019

For All Households

Characteristics 2015 

(Percent)

2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

All 77.4 79.4 79.9 (79.4, 80.5) 0.5 (-0.2, 1.2)

Bank Account Ownership

Unbanked 31.5 32.9 33.8 (31.7, 36.1) 1.0 (-2.3, 4.2)

Banked 80.7 82.5 82.6 (82.1, 83.1) 0.1 (-0.5, 0.8)

Family Income

Less Than $15,000 44.2 45.9 47.5 (46.0, 48.9) 1.6 (-0.5, 3.7)

$15,000 to $30,000 59.8 60.6 59.6 (58.1, 61.0) -1.1 (-3.0, 0.8)

$30,000 to $50,000 76.6 77.2 76.8 (75.7, 77.9) -0.4 (-1.9, 1.1)

$50,000 to $75,000 88.1 87.9 86.5 (85.9, 87.2) -1.4* (-2.5, -0.3)

At Least $75,000 95.7 96.0 95.2 (94.9, 95.6) -0.7* (-1.2, -0.2)

Education

No High School Diploma 40.8 43.1 42.7 (40.8, 44.6) -0.4 (-3.0, 2.2)

High School Diploma 66.6 68.4 67.5 (66.5, 68.6) -0.9 (-2.3, 0.6)

Some College 81.9 82.9 83.2 (82.4, 84.0) 0.3 (-0.9, 1.5)

College Degree 93.2 93.9 94.1 (93.7, 94.5) 0.2 (-0.3, 0.8)

Age Group

15 to 24 Years 78.9 83.0 81.9 (79.9, 83.8) -1.0 (-3.8, 1.7)

25 to 34 Years 81.8 85.0 85.0 (83.9, 86.0) 0.0 (-1.5, 1.5)

35 to 44 Years 84.3 84.8 86.0 (85.0, 86.9) 1.2 (-0.2, 2.5)

45 to 54 Years 82.7 84.5 85.4 (84.4, 86.3) 0.8 (-0.5, 2.2)

55 to 64 Years 78.7 79.8 79.9 (78.9, 80.9) 0.1 (-1.2, 1.5)

65 Years or More 63.9 67.2 69.0 (68.2, 69.9) 1.8* (0.6, 3.1)

Race/Ethnicity

Black 62.0 67.4 69.8 (68.0, 71.4) 2.3* (0.0, 4.6)

Hispanic 67.7 70.3 69.7 (68.0, 71.3) -0.6 (-2.8, 1.7)

Asian 86.4 88.9 88.5 (86.8, 90.1) -0.4 (-2.7, 2.0)

American Indian or Alaska Native 65.0 62.3 60.2 (53.9, 66.3) -2.0 (-9.7, 5.7)

Native Hawaiian or Other Pacific 

Islander 77.1 83.2 NA NA NA NA

White 81.6 83.0 83.7 (83.2, 84.2) 0.7* (0.0, 1.3)

Two or More Races 81.9 78.7 79.6 (75.0, 83.6) 0.9 (-4.3, 6.0)

Disability Status

Disabled, Aged 25 to 64 59.6 61.2 62.2 (60.2, 64.1) 1.0 (-1.6, 3.6)

Not Disabled, Aged 25 to 64 85.0 86.6 86.9 (86.3, 87.4) 0.3 (-0.5, 1.1)

Not Applicable (Not Aged 25 to 64) 66.6 70.0 71.0 (70.2, 71.8) 1.1 (-0.1, 2.2)
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 49

B.15 Home Internet Access by Bank Account Ownership and Household Characteristics, 

2015–2019 (continued)

For All Households

Characteristics 2015 

(Percent)

2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

Monthly Income Volatility

Income Was About the Same Each 

Month 76.8 78.6 79.4 (78.9, 80.0) 0.8* (0.0, 1.6)

Income Varied Somewhat From 

Month to Month 80.8 83.2 82.3 (81.3, 83.3) -0.9 (-2.3, 0.6)

Income Varied a Lot From Month to 

Month 74.9 79.4 79.0 (76.6, 81.2) -0.4 (-3.9, 3.0)

Employment Status

Employed 85.5 86.9 87.3 (86.8, 87.8) 0.4 (-0.3, 1.2)

Unemployed 71.5 73.4 75.1 (72.1, 77.8) 1.7 (-2.4, 5.8)

Not in Labor Force 64.0 66.8 67.5 (66.6, 68.3) 0.7 (-0.5, 1.9)

Homeownership

Homeowner 83.2 84.3 84.8 (84.3, 85.3) 0.5 (-0.2, 1.2)

Non-Homeowner 67.4 70.9 71.2 (70.2, 72.1) 0.3 (-1.0, 1.6)

Household Type

Married Couple 87.9 89.0 88.6 (88.1, 89.2) -0.4 (-1.1, 0.3)

Unmarried Female-Headed Family 71.6 74.1 76.8 (75.5, 78.2) 2.7* (0.5, 5.0)

Unmarried Male-Headed Family 75.4 76.0 77.2 (74.8, 79.4) 1.2 (-2.1, 4.5)

Female Individual 64.2 67.6 69.4 (68.3, 70.5) 1.8* (0.3, 3.4)

Male Individual 67.7 70.0 71.5 (70.2, 72.7) 1.5 (-0.2, 3.2)

Other NA NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 78.2 80.1 80.9 (80.3, 81.4) 0.8* (0.1, 1.5)

Foreign-Born Citizen 77.9 80.8 78.2 (76.4, 79.9) -2.6* (-4.8, -0.4)

Foreign-Born Noncitizen 67.2 69.5 69.8 (67.7, 71.9) 0.3 (-2.4, 3.0)

Metropolitan Status

Metropolitan Area - Principal City 76.0 79.5 79.5 (78.6, 80.4) 0.1 (-1.3, 1.4)

Metropolitan Area - Balance 82.4 83.7 84.5 (83.8, 85.1) 0.8 (-0.2, 1.8)

Not in Metropolitan Area 67.3 69.1 68.0 (66.2, 69.7) -1.1 (-3.2, 1.0)

Not Identified 75.6 76.6 77.9 (76.6, 79.1) 1.3 (-0.4, 3.0)

Geographic Region

Northeast 80.0 82.0 82.6 (81.4, 83.8) 0.7 (-0.9, 2.2)

Midwest 77.7 79.6 79.9 (78.9, 80.9) 0.3 (-1.1, 1.7)

South 73.7 76.5 77.0 (76.0, 78.0) 0.6 (-0.6, 1.8)

West 81.4 82.2 82.9 (81.9, 83.8) 0.6 (-0.8, 2.0)

The estimates of home internet access in 2017 and 2015 reported here differ from those published in earlier reports due to a difference 

in how nonresponse is handled; see Appendix 1 (FDIC Technical Notes) for details. Asterisk indicates differences that are statistically 

significant at the 10 percent level. NA indicates that the sample size is too small to produce a precise estimate.
50 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

B.16 Satisfaction With Primary Bank, Among Banked Households, by Household 

Characteristics, 2019

For Banked Households, Row Percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Very 

Satisfied 

(Percent)

Somewhat 

Satisfied 

(Percent)

Not Very 

Satisfied 

(Percent)

Not 

Satisfied 

at All 

(Percent)

Don't 

Know 

(Percent)

All 124,192 100.0 75.2 22.0 1.6 0.6 0.6

Family Income

Less Than $15,000 10,781 100.0 72.7 23.2 2.1 1.2 0.8

$15,000 to $30,000 16,879 100.0 74.7 22.2 1.8 0.5 0.8

$30,000 to $50,000 23,565 100.0 75.5 21.8 1.4 0.6 0.6

$50,000 to $75,000 23,447 100.0 76.3 21.2 1.4 0.6 0.6

At Least $75,000 49,521 100.0 75.3 22.2 1.5 0.6 0.4

Education

No High School Diploma 8,958 100.0 75.7 21.1 1.6 0.3 1.2

High School Diploma 30,023 100.0 77.6 19.6 1.6 0.6 0.6

Some College 35,581 100.0 74.5 22.6 1.5 0.8 0.6

College Degree 49,630 100.0 74.3 23.3 1.5 0.5 0.4

Age Group

15 to 24 Years 5,751 100.0 72.0 25.7 1.1 0.4 0.8

25 to 34 Years 19,936 100.0 72.0 25.7 1.5 0.6 0.3

35 to 44 Years 20,948 100.0 73.3 23.9 1.8 0.5 0.5

45 to 54 Years 21,187 100.0 72.5 24.2 1.9 0.9 0.5

55 to 64 Years 23,113 100.0 76.6 20.8 1.5 0.5 0.6

65 Years or More 33,257 100.0 79.8 17.5 1.4 0.6 0.7

Race/Ethnicity

Black 14,413 100.0 69.9 26.5 1.8 0.7 1.1

Hispanic 16,115 100.0 73.0 24.3 1.7 0.4 0.6

Asian 6,890 100.0 67.6 29.2 1.5 0.2 1.4

American Indian or Alaska Native 800 100.0 68.6 28.6 2.0 0.8 –

Native Hawaiian or Other Pacific 

Islander NA NA NA NA NA NA NA

White 84,022 100.0 77.4 20.1 1.5 0.7 0.4

Two or More Races 1,681 100.0 70.1 26.8 2.2 0.3 0.6

Disability Status

Disabled, Aged 25 to 64 8,940 100.0 71.5 23.7 2.2 1.5 1.0

Not Disabled, Aged 25 to 64 76,244 100.0 73.9 23.6 1.6 0.5 0.4

Not Applicable (Not Aged 25 to 64) 39,008 100.0 78.6 18.7 1.3 0.6 0.7

Monthly Income Volatility

Income Was About the Same Each 

Month 96,966 100.0 76.5 20.9 1.4 0.6 0.6

Income Varied Somewhat From 

Month to Month 22,447 100.0 71.2 26.0 1.6 0.7 0.4

Income Varied a Lot From Month 

to Month 4,780 100.0 68.0 26.7 3.8 0.9 0.5
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 51

B.16 Satisfaction With Primary Bank, Among Banked Households, by Household 

Characteristics, 2019 (continued)

For Banked Households, Row Percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Very 

Satisfied 

(Percent)

Somewhat 

Satisfied 

(Percent)

Not Very 

Satisfied 

(Percent)

Not 

Satisfied 

at All 

(Percent)

Don't 

Know 

(Percent)

Employment Status

Employed 78,604 100.0 74.1 23.5 1.5 0.5 0.4

Unemployed 2,507 100.0 69.1 27.1 1.9 2.0 –

Not in Labor Force 43,081 100.0 77.8 19.1 1.6 0.7 0.9

Homeownership

Homeowner 83,109 100.0 77.1 20.5 1.4 0.6 0.4

Non-Homeowner 41,083 100.0 71.5 25.2 1.8 0.7 0.8

Household Type

Married Couple 59,666 100.0 76.6 20.9 1.6 0.4 0.5

Unmarried Female-Headed Family 13,537 100.0 74.8 22.7 1.4 0.6 0.5

Unmarried Male-Headed Family 6,098 100.0 71.8 24.9 1.9 0.4 1.0

Female Individual 23,531 100.0 76.5 20.6 1.5 0.8 0.7

Male Individual 21,168 100.0 71.2 25.8 1.4 1.0 0.6

Other NA NA NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 106,266 100.0 76.1 21.3 1.5 0.6 0.5

Foreign-Born Citizen 10,814 100.0 71.0 25.1 2.0 0.6 1.3

Foreign-Born Noncitizen 7,112 100.0 69.5 27.8 1.5 0.3 0.9

Metropolitan Status

Metropolitan Area - Principal City 35,269 100.0 70.7 26.0 1.7 0.8 0.8

Metropolitan Area - Balance 55,083 100.0 75.3 22.1 1.5 0.5 0.5

Not in Metropolitan Area 16,043 100.0 80.9 16.6 1.5 0.7 0.3

Not Identified 17,798 100.0 78.8 18.8 1.5 0.6 0.3

Geographic Region

Northeast 21,565 100.0 75.0 21.9 1.6 0.6 0.9

Midwest 26,889 100.0 77.9 19.7 1.6 0.6 0.3

South 47,193 100.0 76.4 21.1 1.5 0.6 0.5

West 28,545 100.0 71.1 25.9 1.7 0.6 0.7

“Don’t know” was not one of the four administered response options. Some households did not choose one of the four administered 

response options and instead volunteered, “don’t know.” See Appendix 1 (FDIC Technical Notes) for details. NA indicates that the 

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

be slightly greater than zero.
52 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

B.17 Perceptions of Clarity of Own Bank’s Communication About Account Fees, Among Banked 

Households, by Household Characteristics, 2019

For Banked Households, Row Percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Very 

Clearly 

(Percent)

Somewhat 

Clearly 

(Percent)

Not Very 

Clearly 

(Percent)

Not 

Clearly 

at All 

(Percent)

Don't 

Know 

(Percent)

All 124,192 100.0 67.7 24.4 4.4 1.8 1.7

Family Income

Less Than $15,000 10,781 100.0 66.7 22.1 5.3 2.8 3.1

$15,000 to $30,000 16,879 100.0 68.6 23.5 4.2 1.4 2.3

$30,000 to $50,000 23,565 100.0 69.7 23.4 3.9 1.4 1.6

$50,000 to $75,000 23,447 100.0 68.9 24.0 4.2 1.6 1.4

At Least $75,000 49,521 100.0 66.2 25.8 4.7 1.9 1.3

Education

No High School Diploma 8,958 100.0 68.8 21.1 5.2 1.8 3.2

High School Diploma 30,023 100.0 71.2 22.0 3.5 1.5 1.9

Some College 35,581 100.0 68.7 24.0 3.9 1.8 1.6

College Degree 49,630 100.0 64.8 26.7 5.3 1.9 1.3

Age Group

15 to 24 Years 5,751 100.0 67.9 24.6 4.6 1.6 1.3

25 to 34 Years 19,936 100.0 64.3 27.5 5.7 1.7 0.8

35 to 44 Years 20,948 100.0 64.9 26.5 4.9 2.0 1.7

45 to 54 Years 21,187 100.0 63.9 27.2 5.2 2.3 1.4

55 to 64 Years 23,113 100.0 69.6 23.4 3.9 1.6 1.5

65 Years or More 33,257 100.0 72.7 20.0 3.3 1.4 2.6

Race/Ethnicity

Black 14,413 100.0 63.5 26.3 5.3 2.3 2.6

Hispanic 16,115 100.0 64.5 26.6 5.6 1.6 1.7

Asian 6,890 100.0 60.3 30.9 4.4 2.2 2.2

American Indian or Alaska Native 800 100.0 66.8 25.4 3.9 3.7 0.2

Native Hawaiian or Other Pacific 

Islander NA NA NA NA NA NA NA

White 84,022 100.0 69.7 23.1 4.1 1.6 1.5

Two or More Races 1,681 100.0 66.3 24.6 6.0 2.5 0.6

Disability Status

Disabled, Aged 25 to 64 8,940 100.0 65.0 25.1 4.6 2.7 2.6

Not Disabled, Aged 25 to 64 76,244 100.0 65.9 26.2 4.9 1.8 1.2

Not Applicable (Not Aged 25 to 64) 39,008 100.0 72.0 20.7 3.5 1.4 2.4

Monthly Income Volatility

Income Was About the Same Each 

Month 96,966 100.0 68.9 23.7 4.0 1.6 1.8

Income Varied Somewhat From 

Month to Month 22,447 100.0 64.3 27.1 5.6 1.9 1.2

Income Varied a Lot From Month 

to Month 4,780 100.0 59.9 25.5 8.8 4.0 1.9
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 53

B.17 Perceptions of Clarity of Own Bank’s Communication About Account Fees, Among Banked 

Households, by Household Characteristics, 2019 (continued)

For Banked Households, Row Percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Very 

Clearly 

(Percent)

Somewhat 

Clearly 

(Percent)

Not Very 

Clearly 

(Percent)

Not 

Clearly 

at All 

(Percent)

Don't 

Know 

(Percent)

Employment Status

Employed 78,604 100.0 66.3 26.0 4.8 1.8 1.2

Unemployed 2,507 100.0 60.6 27.7 7.3 3.1 1.4

Not in Labor Force 43,081 100.0 70.8 21.3 3.6 1.6 2.6

Homeownership

Homeowner 83,109 100.0 69.6 23.1 4.2 1.6 1.5

Non-Homeowner 41,083 100.0 63.9 27.0 5.0 2.2 2.0

Household Type

Married Couple 59,666 100.0 69.0 23.9 4.2 1.6 1.4

Unmarried Female-Headed Family 13,537 100.0 66.5 25.2 5.1 1.7 1.6

Unmarried Male-Headed Family 6,098 100.0 66.7 24.4 4.8 2.0 2.1

Female Individual 23,531 100.0 68.6 23.7 3.9 1.7 2.1

Male Individual 21,168 100.0 64.4 26.1 5.2 2.4 1.9

Other NA NA NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 106,266 100.0 68.8 23.8 4.2 1.7 1.5

Foreign-Born Citizen 10,814 100.0 62.0 28.4 5.2 1.8 2.7

Foreign-Born Noncitizen 7,112 100.0 61.2 27.6 6.5 2.2 2.6

Metropolitan Status

Metropolitan Area - Principal City 35,269 100.0 61.7 28.3 5.8 2.1 2.1

Metropolitan Area - Balance 55,083 100.0 67.4 25.0 4.2 1.7 1.7

Not in Metropolitan Area 16,043 100.0 76.4 17.4 3.2 1.6 1.4

Not Identified 17,798 100.0 72.9 21.0 3.5 1.4 1.1

Geographic Region

Northeast 21,565 100.0 65.6 25.6 4.8 1.8 2.2

Midwest 26,889 100.0 69.8 22.7 4.3 1.8 1.3

South 47,193 100.0 70.4 22.7 3.9 1.5 1.5

West 28,545 100.0 63.0 27.8 5.3 2.1 1.9

“Don’t know” was not one of the four administered response options. Some households did not choose one of the four administered 

response options and instead volunteered, “don’t know.” See Appendix 1 (FDIC Technical Notes) for details. NA indicates that the 

sample size is too small to produce a precise estimate.
54 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

C.1 Prepaid Card Use by Bank Account Ownership and Household Characteristics, 

2015–2019

For All Households

Characteristics 2015 

(Percent)

2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

All 10.2 9.7 8.5 (8.2, 8.9) -1.2* (-1.6, -0.7)

Bank Account Ownership

Unbanked 29.6 29.5 27.7 (25.6, 30.0) -1.8 (-4.5, 1.0)

Banked 8.8 8.3 7.4 (7.1, 7.8) -0.9* (-1.4, -0.5)

Family Income

Less Than $15,000 15.2 13.9 13.5 (12.3, 14.7) -0.5 (-2.2, 1.3)

$15,000 to $30,000 11.3 11.0 10.1 (9.3, 11.1) -0.9 (-2.2, 0.4)

$30,000 to $50,000 9.2 9.7 8.9 (8.2, 9.6) -0.8 (-1.8, 0.2)

$50,000 to $75,000 9.6 8.1 7.7 (7.0, 8.4) -0.4 (-1.4, 0.5)

At Least $75,000 8.4 8.4 6.7 (6.3, 7.2) -1.7* (-2.4, -1.0)

Education

No High School Diploma 11.6 11.0 10.3 (9.3, 11.4) -0.7 (-2.3, 0.9)

High School Diploma 10.9 9.9 9.3 (8.5, 10.0) -0.6 (-1.5, 0.2)

Some College 11.3 10.6 9.3 (8.8, 9.9) -1.3* (-2.1, -0.4)

College Degree 8.4 8.4 7.0 (6.6, 7.5) -1.4* (-2.0, -0.8)

Age Group

15 to 24 Years 13.1 15.9 11.6 (10.0, 13.3) -4.3* (-6.8, -1.8)

25 to 34 Years 13.1 11.5 10.6 (9.7, 11.5) -1.0 (-2.1, 0.2)

35 to 44 Years 11.9 11.4 10.2 (9.4, 11.0) -1.2* (-2.4, -0.1)

45 to 54 Years 11.4 11.4 9.8 (9.1, 10.6) -1.6* (-2.8, -0.4)

55 to 64 Years 9.6 9.1 8.1 (7.4, 8.8) -1.0 (-2.0, 0.0)

65 Years or More 5.9 5.2 5.0 (4.6, 5.5) -0.2 (-0.8, 0.4)

Race/Ethnicity

Black 14.9 14.1 14.8 (13.3, 16.4) 0.7 (-1.2, 2.6)

Hispanic 10.1 8.9 7.8 (7.1, 8.7) -1.0 (-2.3, 0.2)

Asian 5.8 7.8 5.7 (4.7, 6.8) -2.2* (-4.0, -0.4)

American Indian or Alaska Native 15.1 20.9 9.5 (6.7, 13.3) -11.4* (-16.7, -6.0)

Native Hawaiian or Other Pacific 

Islander 16.1 6.2 NA NA NA NA

White 9.4 8.9 7.6 (7.3, 8.0) -1.3* (-1.8, -0.8)

Two or More Races 19.8 14.6 10.0 (7.5, 13.3) -4.6 (-9.3, 0.1)

Disability Status

Disabled, Aged 25 to 64 15.9 16.6 14.8 (13.5, 16.2) -1.8 (-3.6, 0.1)

Not Disabled, Aged 25 to 64 10.8 10.0 8.9 (8.5, 9.4) -1.0* (-1.6, -0.4)

Not Applicable (Not Aged 25 to 64) 7.2 7.1 6.1 (5.6, 6.5) -1.0* (-1.7, -0.4)
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 55

C.1 Prepaid Card Use by Bank Account Ownership and Household Characteristics, 

2015–2019 (continued)

For All Households

Characteristics 2015 

(Percent)

2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

Monthly Income Volatility

Income Was About the Same Each 

Month 9.2 8.9 7.7 (7.4, 8.1) -1.2* (-1.7, -0.7)

Income Varied Somewhat From 

Month to Month 13.6 12.6 10.9 (10.1, 11.7) -1.8* (-3.0, -0.5)

Income Varied a Lot From Month to 

Month 15.5 12.8 13.1 (11.1, 15.3) 0.2 (-2.3, 2.7)

Employment Status

Employed 10.4 10.1 9.0 (8.6, 9.4) -1.1* (-1.7, -0.5)

Unemployed 19.2 17.8 16.4 (13.8, 19.5) -1.4 (-5.3, 2.6)

Not in Labor Force 9.2 8.3 7.2 (6.8, 7.7) -1.1* (-1.8, -0.4)

Homeownership

Homeowner 8.3 7.7 6.6 (6.2, 7.0) -1.1* (-1.6, -0.6)

Non-Homeowner 13.6 13.2 12.0 (11.4, 12.7) -1.2* (-2.1, -0.2)

Household Type

Married Couple 9.2 8.5 7.4 (7.0, 7.8) -1.1* (-1.7, -0.5)

Unmarried Female-Headed Family 16.1 16.8 14.4 (13.4, 15.6) -2.4* (-4.0, -0.8)

Unmarried Male-Headed Family 13.7 12.4 9.6 (8.3, 11.1) -2.8* (-4.9, -0.7)

Female Individual 8.0 7.8 7.4 (6.8, 8.0) -0.4 (-1.3, 0.4)

Male Individual 9.8 9.3 8.6 (7.8, 9.4) -0.7 (-1.9, 0.4)

Other NA NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 10.6 10.1 8.7 (8.4, 9.1) -1.4* (-1.9, -0.9)

Foreign-Born Citizen 6.6 6.8 7.0 (6.0, 8.1) 0.2 (-1.4, 1.8)

Foreign-Born Noncitizen 9.6 7.2 7.5 (6.4, 8.9) 0.3 (-1.3, 1.9)

Metropolitan Status

Metropolitan Area - Principal City 10.6 10.0 9.2 (8.5, 9.8) -0.8 (-1.7, 0.1)

Metropolitan Area - Balance 9.6 8.8 8.0 (7.5, 8.4) -0.8* (-1.5, -0.2)

Not in Metropolitan Area 11.5 10.7 9.1 (8.1, 10.3) -1.6* (-2.9, -0.3)

Not Identified 10.1 10.6 8.3 (7.5, 9.2) -2.3* (-3.5, -1.1)

Geographic Region

Northeast 8.9 8.4 8.2 (7.4, 9.1) -0.1 (-1.3, 1.0)

Midwest 10.6 10.5 8.9 (8.2, 9.6) -1.6* (-2.6, -0.6)

South 11.2 10.0 9.3 (8.6, 9.9) -0.8 (-1.6, 0.0)

West 9.2 9.3 7.1 (6.5, 7.7) -2.1* (-3.0, -1.3)

The estimates of prepaid card use in 2017 and 2015 reported here differ from those published in earlier reports due to a difference 

in how nonresponse is handled; see Appendix 1 (FDIC Technical Notes) for details. Asterisk indicates differences that are statistically 

significant at the 10 percent level. NA indicates that the sample size is too small to produce a precise estimate.
56 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

C.2 Prepaid Card Use by State, 2015–2019

For All Households

Geography 2015 

(Percent)

2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

All 10.2 9.7 8.5 (8.2, 8.9) -1.2* (-1.6, -0.7)

State

AL 12.3 14.5 13.6 (7.8, 22.6) -0.9 (-8.2, 6.3)

AK 8.1 8.7 9.0 (6.5, 12.1) 0.3 (-3.2, 3.8)

AZ 7.7 9.8 7.1 (5.5, 9.1) -2.8 (-5.5, 0.0)

AR 18.5 11.3 9.3 (6.9, 12.6) -2.0 (-5.3, 1.3)

CA 9.5 9.3 6.6 (5.8, 7.6) -2.7* (-4.2, -1.3)

CO 9.5 9.0 6.8 (4.8, 9.6) -2.2 (-5.5, 1.2)

CT 7.5 6.7 9.8 (7.2, 13.3) 3.1 (-0.6, 6.8)

DE 8.3 8.4 12.1 (8.7, 16.7) 3.7 (-0.8, 8.2)

DC 10.4 11.5 10.4 (8.5, 12.6) -1.1 (-4.0, 1.7)

FL 10.2 8.3 8.1 (6.9, 9.6) -0.2 (-2.0, 1.6)

GA 11.6 10.5 8.3 (6.8, 10.1) -2.2 (-4.8, 0.4)

HI 6.5 4.9 4.6 (3.0, 6.9) -0.3 (-3.1, 2.5)

ID 9.5 11.3 9.2 (6.9, 12.1) -2.1 (-6.3, 2.1)

IL 7.7 8.9 7.0 (5.6, 8.6) -1.9 (-4.2, 0.5)

IN 8.3 11.5 9.2 (7.2, 11.6) -2.3 (-5.6, 1.0)

IA 10.6 8.7 8.3 (6.2, 11.0) -0.5 (-3.7, 2.8)

KS 12.2 12.7 11.5 (8.6, 15.3) -1.2 (-7.0, 4.7)

KY 12.8 9.3 10.4 (7.8, 13.7) 1.0 (-2.8, 4.8)

LA 11.7 11.3 12.3 (10.0, 15.1) 1.0 (-2.5, 4.4)

ME 10.6 9.5 9.6 (7.7, 11.9) 0.1 (-3.0, 3.2)

MD 11.5 11.0 9.2 (6.9, 12.2) -1.8 (-5.8, 2.1)

MA 8.8 9.3 5.6 (4.3, 7.2) -3.8* (-6.3, -1.2)

MI 12.3 10.2 8.7 (7.1, 10.5) -1.5 (-4.0, 1.0)

MN 13.1 9.4 8.1 (5.4, 11.8) -1.3 (-5.0, 2.4)

MS 11.7 15.8 12.8 (10.6, 15.4) -3.0 (-7.4, 1.3)

MO 13.1 12.3 11.8 (9.4, 14.7) -0.6 (-3.6, 2.5)

MT 8.5 9.0 10.4 (8.5, 12.6) 1.4 (-1.2, 3.9)

NE 14.6 11.7 9.1 (7.0, 11.7) -2.7 (-7.3, 2.0)

NV 11.6 6.9 12.1 (9.4, 15.4) 5.2* (1.2, 9.2)

NH 8.0 8.1 6.4 (4.8, 8.6) -1.7 (-4.8, 1.4)

NJ 8.5 9.8 9.0 (7.3, 11.1) -0.7 (-3.5, 2.0)

NM 8.7 7.1 7.7 (5.9, 9.9) 0.6 (-1.8, 3.0)

NY 8.4 6.8 8.2 (6.8, 10.0) 1.4 (-0.8, 3.6)

NC 10.5 8.5 9.8 (8.0, 11.9) 1.3 (-1.4, 3.9)

ND 11.3 10.6 9.0 (7.5, 10.8) -1.6 (-4.5, 1.3)
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 57

C.2 Prepaid Card Use by State, 2015–2019 (continued)

For All Households

Geography 2015 

(Percent)

2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

OH 10.4 12.4 10.3 (8.4, 12.5) -2.1 (-4.5, 0.2)

OK 13.8 11.9 13.0 (10.6, 15.8) 1.1 (-2.4, 4.7)

OR 10.8 11.5 7.9 (6.0, 10.4) -3.6* (-6.6, -0.6)

PA 10.2 9.8 8.9 (7.4, 10.7) -0.9 (-3.1, 1.3)

RI 10.6 8.0 6.0 (3.7, 9.6) -2.0 (-5.4, 1.4)

SC 9.4 8.2 6.9 (4.9, 9.8) -1.2 (-4.8, 2.3)

SD 10.9 10.2 9.8 (7.1, 13.5) -0.3 (-6.6, 6.0)

TN 13.1 10.9 9.3 (6.6, 13.0) -1.6 (-5.1, 2.0)

TX 10.6 9.8 8.6 (7.6, 9.6) -1.3 (-2.9, 0.3)

UT 10.6 14.1 9.6 (7.5, 12.1) -4.6* (-8.7, -0.4)

VT 8.0 7.1 8.0 (6.0, 10.5) 0.9 (-2.4, 4.2)

VA 9.6 9.6 7.8 (5.9, 10.2) -1.8 (-4.6, 0.9)

WA 7.4 7.7 5.4 (3.9, 7.3) -2.3* (-4.4, -0.3)

WV 10.7 11.1 10.6 (8.9, 12.6) -0.5 (-3.2, 2.1)

WI 9.5 8.5 7.3 (5.7, 9.4) -1.2 (-4.1, 1.8)

WY 10.4 7.9 6.4 (4.8, 8.6) -1.4 (-4.7, 1.8)

The estimates of prepaid card use in 2017 and 2015 reported here differ from those published in earlier reports due to a difference 

in how nonresponse is handled; see Appendix 1 (FDIC Technical Notes) for details. Asterisk indicates differences that are statistically 

significant at the 10 percent level.
58 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

C.3 Prepaid Card Use by MSA, 2015–2019

For All Households

Geography 2015 

(Percent)

2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

All 10.2 9.7 8.5 (8.2, 8.9) -1.2* (-1.6, -0.7)

MSA

Albuquerque, NM 8.2 4.0 3.2 (1.9, 5.3) -0.8 (-3.3, 1.7)

Atlanta-Sandy Springs-Roswell, GA~ 8.8 9.7 8.3 (6.4, 10.8) -1.4 (-4.7, 1.9)

Austin-Round Rock, TX 10.8 7.4 8.2 (4.9, 13.5) 0.8 (-4.6, 6.3)

Baltimore-Columbia-Towson, MD 10.8 12.1 8.1 (5.1, 12.7) -4.0 (-10.2, 2.2)

Baton Rouge, LA 8.8 6.9 9.9 (6.1, 15.7) 3.0 (-3.9, 9.8)

Birmingham-Hoover, AL 9.5 7.5 12.5 (8.4, 18.3) 5.0 (-0.8, 10.8)

Boise City, ID 6.3 8.9 10.2 (7.1, 14.5) 1.3 (-4.2, 6.9)

Boston-Cambridge-Newton, MA-NH~ 9.6 10.7 6.1 (4.4, 8.4) -4.6* (-8.0, -1.2)

Burlington-South Burlington, VT~ 9.6 5.7 12.9 (9.0, 18.2) 7.2* (0.3, 14.0)

Charleston, WV~ NA NA 9.5 (5.5, 15.9) NA NA

Charlotte-Concord-Gastonia, NC-SC~ 8.6 6.7 6.8 (4.2, 10.7) 0.1 (-4.0, 4.3)

Chicago-Naperville-Elgin, IL-IN-WI 7.7 7.8 7.9 (6.2, 9.9) 0.1 (-2.5, 2.6)

Cincinnati, OH-KY-IN~ 9.2 8.9 13.2 (8.5, 19.9) 4.3 (-2.7, 11.3)

Cleveland-Elyria, OH 13.9 8.4 10.8 (7.3, 15.9) 2.4 (-2.4, 7.3)

Columbus, OH~ 12.2 9.8 9.9 (6.4, 15.0) 0.1 (-6.1, 6.2)

Dallas-Fort Worth-Arlington, TX~ 12.5 10.2 8.1 (6.2, 10.6) -2.1 (-5.5, 1.3)

Denver-Aurora-Lakewood, CO 9.4 6.8 7.8 (4.6, 12.9) 1.0 (-3.8, 5.8)

Detroit-Warren-Dearborn, MI 9.6 9.3 8.8 (6.2, 12.2) -0.6 (-4.6, 3.5)

Fargo, ND-MN 17.6 17.0 10.8 (7.5, 15.4) -6.2 (-13.0, 0.6)

Hartford-West Hartford-East Hartford, 

CT~ 12.4 5.3 12.9 (8.3, 19.6) 7.6* (1.3, 14.0)

Houston-The Woodlands-Sugar Land, 

TX~ 9.5 9.6 7.4 (5.3, 10.2) -2.2 (-5.8, 1.3)

Indianapolis-Carmel-Anderson, IN~ 10.0 10.9 7.5 (4.4, 12.5) -3.5 (-9.0, 2.0)

Jackson, MS~ 13.8 8.9 14.5 (9.0, 22.6) 5.6 (-2.2, 13.4)

Kansas City, MO-KS~ 14.1 15.2 17.2 (13.3, 22.0) 2.0 (-4.2, 8.2)

Las Vegas-Henderson-Paradise, NV 12.8 6.0 12.9 (9.7, 17.0) 6.9* (2.3, 11.5)

Little Rock-North Little Rock-Conway, 

AR 22.0 12.6 7.8 (4.8, 12.6) -4.8 (-10.1, 0.5)

Los Angeles-Long Beach-Anaheim, CA 8.1 7.3 6.1 (4.9, 7.6) -1.1 (-3.4, 1.2)

Louisville/Jefferson County, KY-IN~ 9.1 7.1 9.1 (5.6, 14.7) 2.1 (-3.7, 7.9)

Manchester-Nashua, NH~ 7.4 5.1 5.5 (2.9, 10.2) 0.3 (-4.6, 5.3)

Memphis, TN-MS-AR~ 16.2 14.2 16.4 (10.7, 24.4) 2.2 (-6.1, 10.5)

Miami-Fort Lauderdale-West Palm 

Beach, FL 10.6 7.6 5.8 (4.0, 8.4) -1.8 (-4.8, 1.3)

Milwaukee-Waukesha-West Allis, WI 12.7 10.8 5.5 (3.0, 9.9) -5.3 (-11.7, 1.1)

Minneapolis-St. Paul-Bloomington, 

MN-WI~ 12.9 11.8 8.4 (5.9, 11.8) -3.5 (-8.0, 1.1)
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 59

C.3 Prepaid Card Use by MSA, 2015–2019 (continued)

For All Households

Geography 2015 

(Percent)

2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

Nashville-Davidson-MurfreesboroFranklin, TN~ 14.3 14.0 4.4 (2.0, 9.3) -9.6* (-15.1, -4.1)

New Orleans-Metairie, LA~ 10.0 8.5 15.6 (10.8, 22.0) 7.0* (0.4, 13.6)

New York-Newark-Jersey City, NY-NJPA~ 8.0 6.8 7.8 (6.5, 9.3) 1.0 (-0.8, 2.8)

Oklahoma City, OK 18.0 8.5 15.3 (11.4, 20.1) 6.8* (0.9, 12.7)

Omaha-Council Bluffs, NE-IA 18.7 10.5 8.1 (5.2, 12.4) -2.4 (-7.3, 2.4)

Orlando-Kissimmee-Sanford, FL 8.9 7.5 14.5 (9.6, 21.2) 6.9* (0.1, 13.8)

Philadelphia-Camden-Wilmington, 

PA-NJ-DE-MD 6.8 11.3 9.2 (6.9, 12.2) -2.0 (-5.7, 1.6)

Phoenix-Mesa-Scottsdale, AZ 6.9 10.0 6.0 (4.1, 8.7) -3.9* (-7.8, -0.1)

Pittsburgh, PA 18.6 12.0 9.2 (6.3, 13.1) -2.9 (-8.0, 2.3)

Portland-South Portland, ME~ 7.3 8.7 9.7 (6.1, 15.0) 1.0 (-4.7, 6.6)

Portland-Vancouver-Hillsboro, OR-WA 12.3 12.0 7.2 (4.6, 11.1) -4.7* (-9.1, -0.3)

Providence-Warwick, RI-MA~ 13.0 6.7 5.6 (3.5, 8.6) -1.2 (-4.3, 2.0)

Riverside-San Bernardino-Ontario, CA 11.7 12.2 3.8 (2.4, 6.0) -8.4* (-12.4, -4.5)

Sacramento-Roseville-Arden-Arcade, 

CA 10.6 10.9 5.0 (2.8, 8.8) -6.0* (-10.9, -1.0)

St. Louis, MO-IL~ 10.8 11.1 6.2 (4.0, 9.5) -4.9* (-8.9, -0.9)

Salt Lake City, UT~ 8.9 10.5 8.3 (5.4, 12.6) -2.2 (-7.6, 3.2)

San Antonio-New Braunfels, TX 15.3 7.4 11.8 (8.4, 16.5) 4.4 (-0.4, 9.3)

San Diego-Carlsbad, CA 8.1 8.8 10.9 (7.4, 15.7) 2.0 (-2.8, 6.9)

San Francisco-Oakland-Hayward, CA 7.8 8.0 6.1 (4.2, 8.9) -1.9 (-5.3, 1.5)

San Jose-Sunnyvale-Santa Clara, CA NA 11.7 7.4 (4.2, 12.7) -4.4 (-12.8, 4.0)

Seattle-Tacoma-Bellevue, WA 6.8 7.6 4.5 (3.1, 6.4) -3.1* (-6.1, -0.1)

Sioux Falls, SD 8.3 10.4 8.9 (5.1, 15.1) -1.6 (-8.1, 5.0)

Tampa-St. Petersburg-Clearwater, FL 8.7 5.7 8.7 (6.0, 12.5) 3.0 (-1.2, 7.2)

Tucson, AZ NA NA 11.2 (7.6, 16.2) NA NA

Tulsa, OK 12.0 14.3 12.6 (7.8, 19.7) -1.7 (-9.1, 5.7)

Urban Honolulu, HI 7.2 5.9 4.9 (3.2, 7.7) -1.0 (-4.4, 2.5)

Virginia Beach-Norfolk-Newport 

News, VA-NC~ 10.0 13.3 14.7 (9.1, 22.8) 1.3 (-7.0, 9.7)

Washington-Arlington-Alexandria, 

DC-VA-MD-WV~ 9.5 7.8 8.0 (6.0, 10.4) 0.2 (-2.7, 3.1)

Wichita, KS~ 17.0 8.0 12.2 (7.4, 19.4) 4.2 (-3.4, 11.8)

Worcester, MA-CT~ NA 8.1 5.5 (2.9, 10.3) -2.6 (-8.6, 3.3)

The estimates of prepaid card use in 2017 and 2015 reported here differ from those published in earlier reports due to a difference 

in how nonresponse is handled; see Appendix 1 (FDIC Technical Notes) for details. The tilde symbol indicates areas with geographic 

boundary changes between the 2013 and 2015 surveys; see Appendix 1 (FDIC Technical Notes) for details. Asterisk indicates differences 

that are statistically significant at the 10 percent level. NA indicates that the sample size is too small to produce a precise estimate.
60 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

D.1 Specific Nonbank Financial Transaction Service Use by Bank Account Ownership and 

Household Characteristics, 2019

For All Households, Row Percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Money 

Order 

(Percent)

Check 

Cashing 

(Percent)

International 

Remittance 

(Percent)

Bill 

Payment 

Service 

(Percent)

P2P 

Payment 

Service 

(Percent)

Memo: 

Money 

Order, Check 

Cashing, or 

Bill Payment 

Service 

(Percent)

All 131,248 100.0 11.9 5.5 5.5 4.9 31.1 17.2

Bank Account Ownership

Unbanked 7,056 100.0 42.3 31.9 9.4 14.4 8.8 56.1

Banked 124,192 100.0 10.2 4.0 5.3 4.4 32.3 15.0

Family Income

Less Than $15,000 14,048 100.0 23.0 11.0 4.8 6.6 14.6 30.4

$15,000 to $30,000 18,848 100.0 18.2 9.0 6.3 6.6 17.1 24.6

$30,000 to $50,000 24,694 100.0 15.2 7.4 7.0 6.6 24.5 21.5

$50,000 to $75,000 23,857 100.0 9.6 4.3 6.2 5.1 31.3 15.3

At Least $75,000 49,801 100.0 6.0 2.4 4.4 2.8 44.2 9.6

Education

No High School Diploma 11,392 100.0 23.3 14.6 14.7 9.8 10.2 33.6

High School Diploma 32,659 100.0 14.6 7.1 5.5 5.6 18.4 20.6

Some College 37,165 100.0 12.9 5.8 4.1 5.2 30.1 18.5

College Degree 50,032 100.0 6.8 2.3 4.5 3.1 44.8 10.4

Age Group

15 to 24 Years 6,307 100.0 20.2 9.8 7.1 10.5 43.9 27.6

25 to 34 Years 21,412 100.0 16.4 7.0 7.2 7.5 49.7 22.5

35 to 44 Years 22,349 100.0 13.1 7.0 8.5 5.7 41.6 19.4

45 to 54 Years 22,334 100.0 12.5 5.3 6.6 5.1 34.6 18.0

55 to 64 Years 24,450 100.0 11.0 4.7 4.4 4.2 24.5 15.9

65 Years or More 34,397 100.0 7.1 3.7 2.5 2.1 12.7 11.1

Race/Ethnicity

Black 16,728 100.0 27.2 9.6 6.1 9.3 27.7 34.1

Hispanic 18,352 100.0 20.8 10.6 20.2 10.6 24.3 29.7

Asian 7,007 100.0 6.9 2.4 13.3 4.8 38.0 11.5

American Indian or Alaska 

Native 955 100.0 21.0 11.4 0.3 10.5 22.3 32.1

Native Hawaiian or Other 

Pacific Islander NA NA NA NA NA NA NA NA

White 86,152 100.0 7.3 3.9 1.7 2.8 32.5 11.5

Two or More Races 1,769 100.0 14.2 3.7 3.1 4.3 40.1 18.8
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 61

D.1 Specific Nonbank Financial Transaction Service Use by Bank Account Ownership and 

Household Characteristics, 2019 (continued)

For All Households, Row Percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Money 

Order 

(Percent)

Check 

Cashing 

(Percent)

International 

Remittance 

(Percent)

Bill 

Payment 

Service 

(Percent)

P2P 

Payment 

Service 

(Percent)

Memo: 

Money 

Order, Check 

Cashing, or 

Bill Payment 

Service 

(Percent)

Disability Status

Disabled, Aged 25 to 64 10,668 100.0 21.1 9.3 3.3 6.5 20.6 28.6

Not Disabled, Aged 25 

to 64 79,877 100.0 12.1 5.5 7.0 5.5 39.4 17.5

Not Applicable (Not Aged 

25 to 64) 40,704 100.0 9.1 4.6 3.2 3.4 17.6 13.7

Monthly Income 

Volatility

Income Was About the 

Same Each Month 101,916 100.0 10.7 4.7 4.8 4.2 29.3 15.5

Income Varied Somewhat 

From Month to Month 23,980 100.0 15.5 8.0 7.7 6.9 37.5 22.5

Income Varied a Lot From 

Month to Month 5,353 100.0 19.9 10.0 9.8 8.4 36.4 26.7

Employment Status

Employed 81,542 100.0 11.9 5.2 6.8 5.5 39.8 17.3

Unemployed 2,887 100.0 18.5 9.6 8.3 6.5 30.1 26.5

Not in Labor Force 46,820 100.0 11.5 5.8 3.2 3.7 16.0 16.5

Homeownership

Homeowner 84,688 100.0 6.8 3.4 3.9 3.1 30.2 11.0

Non-Homeowner 46,561 100.0 21.2 9.5 8.4 8.2 32.6 28.5

Household Type

Married Couple 60,971 100.0 8.4 4.0 6.3 4.1 34.5 13.2

Unmarried FemaleHeaded Family 15,233 100.0 21.3 10.0 7.7 7.9 28.3 28.7

Unmarried Male-Headed 

Family 6,602 100.0 16.8 9.2 8.3 8.8 29.2 25.6

Female Individual 24,990 100.0 11.9 5.2 2.8 3.8 25.5 16.5

Male Individual 23,178 100.0 13.7 6.0 4.3 5.2 30.4 18.8

Other NA NA NA NA NA NA NA NA

Citizenship and Place 

of Birth

U.S.-Born 111,679 100.0 11.3 5.1 2.0 4.0 32.1 16.0

Foreign-Born Citizen 11,242 100.0 11.7 4.8 20.6 7.9 24.8 18.6

Foreign-Born Noncitizen 8,327 100.0 21.3 12.2 32.6 12.9 26.3 31.4
62 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

D.1 Specific Nonbank Financial Transaction Service Use by Bank Account Ownership and 

Household Characteristics, 2019 (continued)

For All Households, Row Percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Money 

Order 

(Percent)

Check 

Cashing 

(Percent)

International 

Remittance 

(Percent)

Bill 

Payment 

Service 

(Percent)

P2P 

Payment 

Service 

(Percent)

Memo: 

Money 

Order, Check 

Cashing, or 

Bill Payment 

Service 

(Percent)

Metropolitan Status

Metropolitan Area - 

Principal City 38,371 100.0 14.6 6.2 7.9 6.2 35.5 20.2

Metropolitan Area - 

Balance 57,182 100.0 10.4 4.8 5.7 4.4 32.4 15.1

Not in Metropolitan Area 17,112 100.0 12.2 6.8 2.3 3.8 20.1 18.1

Not Identified 18,583 100.0 10.8 5.5 3.1 4.9 27.8 16.8

Geographic Region

Northeast 22,622 100.0 11.5 4.1 6.6 5.3 30.8 16.2

Midwest 28,297 100.0 9.0 4.8 3.6 3.9 31.2 14.2

South 50,328 100.0 14.9 6.4 5.3 5.3 28.4 20.3

West 30,000 100.0 10.0 5.8 7.0 4.8 35.7 15.9

NA indicates that the sample size is too small to produce a precise estimate.
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 63

D.2 Specific Nonbank Financial Transaction Service Use by State, 2019

For All Households, Row Percent

Geography

Number of 

Households 

(1000s)

Percent of 

Households

Money 

Order 

(Percent)

Check 

Cashing 

(Percent)

International 

Remittance 

(Percent)

Bill 

Payment 

Service 

(Percent)

P2P 

Payment 

Service 

(Percent)

Memo: 

Money 

Order, Check 

Cashing, or 

Bill Payment 

Service 

(Percent)

All 131,248 100.0 11.9 5.5 5.5 4.9 31.1 17.2

State

AL 2,062 100.0 16.6 7.1 1.7 4.0 25.0 20.5

AK 277 100.0 8.1 5.1 4.4 3.6 34.3 13.6

AZ 2,900 100.0 10.8 3.8 5.3 3.0 34.0 15.1

AR 1,201 100.0 15.2 7.5 2.4 7.4 24.7 23.9

CA 14,325 100.0 9.8 5.2 9.3 5.0 36.5 14.7

CO 2,449 100.0 7.1 9.9 5.4 2.1 36.0 15.8

CT 1,524 100.0 10.8 4.5 5.9 5.8 32.7 17.4

DE 440 100.0 8.0 3.0 2.5 4.4 28.9 12.8

DC 363 100.0 16.6 4.1 4.8 2.6 53.5 19.1

FL 9,139 100.0 15.5 5.6 9.1 7.3 26.6 20.8

GA 4,144 100.0 18.2 8.9 6.6 5.1 30.4 23.4

HI 502 100.0 6.8 4.7 5.3 5.3 30.5 14.8

ID 702 100.0 11.7 7.9 4.9 4.3 30.9 18.9

IL 5,364 100.0 8.6 5.6 5.7 6.4 31.2 16.1

IN 2,765 100.0 12.1 5.4 3.7 4.5 31.6 18.4

IA 1,320 100.0 6.1 2.9 2.0 3.3 26.3 9.2

KS 1,141 100.0 11.5 7.2 4.5 6.6 35.3 19.0

KY 1,838 100.0 10.5 5.1 3.1 1.9 20.0 14.4

LA 1,945 100.0 19.5 6.8 3.0 5.3 24.2 25.5

ME 604 100.0 5.2 4.0 1.5 0.6 24.7 8.8

MD 2,379 100.0 10.8 4.7 6.5 6.2 40.2 16.0

MA 2,809 100.0 8.0 2.8 7.3 5.2 35.2 12.4

MI 4,220 100.0 12.4 5.2 2.6 3.8 31.4 16.6

MN 2,407 100.0 4.1 3.3 2.4 1.8 32.8 7.7

MS 1,199 100.0 20.6 7.5 2.2 7.5 20.5 27.1

MO 2,516 100.0 11.0 6.3 3.1 3.1 32.5 16.9

MT 460 100.0 10.3 6.6 1.5 4.5 29.1 16.8

NE 742 100.0 8.7 5.8 6.1 6.3 34.7 15.9

NV 1,350 100.0 15.7 10.8 7.7 10.9 30.7 25.7

NH 545 100.0 5.2 2.4 3.8 4.3 33.3 10.2

NJ 3,317 100.0 9.7 3.0 11.2 6.5 26.2 15.9

NM 829 100.0 17.0 6.8 5.0 7.5 19.2 22.8

NY 7,879 100.0 13.3 4.9 7.3 6.1 30.2 18.4
64 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

D.2 Specific Nonbank Financial Transaction Service Use by State, 2019 (continued)

For All Households, Row Percent

Geography

Number of 

Households 

(1000s)

Percent of 

Households

Money 

Order 

(Percent)

Check 

Cashing 

(Percent)

International 

Remittance 

(Percent)

Bill 

Payment 

Service 

(Percent)

P2P 

Payment 

Service 

(Percent)

Memo: 

Money 

Order, Check 

Cashing, or 

Bill Payment 

Service 

(Percent)

NC 4,369 100.0 11.9 5.1 2.6 5.1 29.7 17.1

ND 308 100.0 9.8 5.8 1.7 2.5 28.1 15.7

OH 4,653 100.0 8.7 3.5 3.2 2.4 32.2 11.9

OK 1,612 100.0 17.6 5.8 3.2 4.7 27.1 22.5

OR 1,825 100.0 10.7 5.5 3.3 4.2 36.3 15.6

PA 5,245 100.0 13.8 4.3 3.7 4.0 32.2 16.6

RI 441 100.0 7.3 3.1 5.1 5.1 27.5 12.1

SC 2,081 100.0 11.0 9.3 3.9 6.0 24.2 19.4

SD 354 100.0 8.4 7.1 2.3 5.3 27.0 16.1

TN 2,781 100.0 13.2 6.7 1.6 2.9 27.6 17.0

TX 10,395 100.0 16.6 6.7 7.1 5.6 29.4 22.1

UT 1,098 100.0 6.3 4.4 4.9 10.1 56.1 18.1

VT 259 100.0 6.5 5.2 1.6 4.0 31.3 14.1

VA 3,619 100.0 12.2 6.1 3.9 3.4 34.2 16.5

WA 3,043 100.0 8.9 5.5 4.2 2.7 36.0 14.4

WV 761 100.0 11.3 7.3 1.6 3.0 19.3 17.2

WI 2,508 100.0 4.6 3.5 3.0 2.5 26.4 8.7

WY 241 100.0 10.2 7.8 1.4 7.5 22.9 18.7
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 65

D.3 Specific Nonbank Financial Transaction Service Use by MSA, 2019

For All Households, Row Percent

Geography

Number of 

Households 

(1000s)

Percent of 

Households

Money 

Order 

(Percent)

Check 

Cashing 

(Percent)

International 

Remittance 

(Percent)

Bill 

Payment 

Service 

(Percent)

P2P 

Payment 

Service 

(Percent)

Memo: 

Money 

Order, Check 

Cashing, or 

Bill Payment 

Service 

(Percent)

All 131,248 100.0 11.9 5.5 5.5 4.9 31.1 17.2

MSA

Albuquerque, NM 398 100.0 12.1 5.0 7.6 5.5 21.3 16.3

Atlanta-Sandy SpringsRoswell, GA~ 2,420 100.0 16.7 6.8 8.8 5.3 37.6 20.9

Austin-Round Rock, TX 719 100.0 10.4 3.2 4.4 4.6 42.9 14.0

Baltimore-ColumbiaTowson, MD 1,024 100.0 14.1 6.8 4.6 6.9 49.0 19.2

Baton Rouge, LA 359 100.0 13.9 4.1 3.8 4.2 29.7 17.7

Birmingham-Hoover, AL 453 100.0 11.2 3.4 1.2 1.5 21.2 12.7

Boise City, ID 278 100.0 11.3 7.1 5.9 1.7 39.3 17.8

Boston-CambridgeNewton, MA-NH~ 1,987 100.0 8.0 3.1 7.7 5.8 41.9 12.8

Burlington-South 

Burlington, VT~ 83 100.0 5.5 2.3 – 6.6 38.4 14.3

Charleston, WV~ 113 100.0 11.0 4.8 0.8 0.8 15.5 14.9

Charlotte-ConcordGastonia, NC-SC~ 1,065 100.0 9.3 4.2 5.3 6.6 41.5 14.7

Chicago-Naperville-Elgin, 

IL-IN-WI 3,978 100.0 9.3 5.4 6.8 5.5 32.3 16.1

Cincinnati, OH-KY-IN~ 727 100.0 10.2 3.1 7.3 3.6 34.8 13.3

Cleveland-Elyria, OH 839 100.0 10.4 6.7 1.8 3.8 40.4 15.8

Columbus, OH~ 943 100.0 8.8 2.2 6.8 2.2 38.3 11.0

Dallas-Fort WorthArlington, TX~ 2,929 100.0 16.1 5.9 6.8 4.2 33.0 21.1

Denver-Aurora-Lakewood, 

CO 1,342 100.0 7.5 3.6 6.2 1.2 46.1 10.0

Detroit-Warren-Dearborn, 

MI 1,822 100.0 13.3 6.7 4.1 3.7 32.2 18.8

Fargo, ND-MN 80 100.0 9.2 6.9 2.7 3.7 38.2 16.1

Hartford-West HartfordEast Hartford, CT~ 593 100.0 11.2 5.9 4.9 3.3 22.3 17.2

Houston-The WoodlandsSugar Land, TX~ 2,474 100.0 19.2 7.9 10.0 7.5 30.4 24.9

Indianapolis-CarmelAnderson, IN~ 961 100.0 11.1 6.1 2.4 2.4 35.2 14.3

Jackson, MS~ 241 100.0 19.5 8.6 5.1 5.7 25.4 25.4

Kansas City, MO-KS~ 785 100.0 10.5 5.5 3.2 2.5 41.1 15.1

Las Vegas-HendersonParadise, NV 1,031 100.0 17.8 9.2 8.0 11.7 30.0 27.1
66 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

D.3 Specific Nonbank Financial Transaction Service Use by MSA, 2019 (continued)

For All Households, Row Percent

Geography

Number of 

Households 

(1000s)

Percent of 

Households

Money 

Order 

(Percent)

Check 

Cashing 

(Percent)

International 

Remittance 

(Percent)

Bill 

Payment 

Service 

(Percent)

P2P 

Payment 

Service 

(Percent)

Memo: 

Money 

Order, Check 

Cashing, or 

Bill Payment 

Service 

(Percent)

Little Rock-North Little 

Rock-Conway, AR 347 100.0 16.1 8.2 5.7 7.7 30.2 24.8

Los Angeles-Long BeachAnaheim, CA 4,661 100.0 10.2 4.3 11.8 6.0 37.0 15.3

Louisville/Jefferson 

County, KY-IN~ 587 100.0 9.8 2.3 6.0 3.2 28.1 13.3

Manchester-Nashua, NH~ 158 100.0 8.2 0.5 9.7 5.5 30.7 12.6

Memphis, TN-MS-AR~ 608 100.0 24.3 15.8 1.5 6.8 19.2 32.2

Miami-Fort LauderdaleWest Palm Beach, FL 2,827 100.0 16.3 5.7 19.5 7.9 24.9 22.1

Milwaukee-WaukeshaWest Allis, WI 665 100.0 2.4 3.2 5.2 4.1 35.9 7.1

Minneapolis-St. PaulBloomington, MN-WI~ 1,517 100.0 4.4 3.0 3.3 2.0 37.6 8.3

Nashville-DavidsonMurfreesboro-Franklin, 

TN~ 756 100.0 9.2 1.8 1.0 1.7 38.0 9.7

New Orleans-Metairie, LA~ 551 100.0 19.2 6.4 2.8 6.6 33.4 24.8

New York-Newark-Jersey 

City, NY-NJ-PA~ 7,751 100.0 12.6 4.6 10.4 6.7 28.0 17.9

Oklahoma City, OK 592 100.0 17.0 7.8 4.9 4.6 39.6 20.3

Omaha-Council Bluffs, 

NE-IA 417 100.0 12.4 6.8 5.3 6.9 41.6 19.2

Orlando-KissimmeeSanford, FL 1,042 100.0 18.7 5.1 7.0 6.5 35.3 21.3

Philadelphia-CamdenWilmington, PA-NJDE-MD 2,381 100.0 13.3 3.8 6.5 4.0 41.5 16.9

Phoenix-Mesa-Scottsdale, 

AZ 2,031 100.0 8.9 3.5 5.8 2.1 38.2 12.3

Pittsburgh, PA 1,132 100.0 16.7 7.4 1.7 8.7 34.5 22.4

Portland-South Portland, 

ME~ 251 100.0 3.8 4.3 1.2 – 30.3 8.1

Portland-VancouverHillsboro, OR-WA 1,058 100.0 9.6 3.0 4.3 5.1 40.8 14.5

Providence-Warwick, 

RI-MA~ 610 100.0 8.0 4.3 4.6 4.4 28.2 13.3

Riverside-San BernardinoOntario, CA 1,686 100.0 8.5 6.7 8.6 8.2 19.5 16.5

Sacramento-RosevilleArden-Arcade, CA 908 100.0 8.4 3.6 5.1 1.3 39.0 10.3
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 67

D.3 Specific Nonbank Financial Transaction Service Use by MSA, 2019 (continued)

For All Households, Row Percent

Geography

Number of 

Households 

(1000s)

Percent of 

Households

Money 

Order 

(Percent)

Check 

Cashing 

(Percent)

International 

Remittance 

(Percent)

Bill 

Payment 

Service 

(Percent)

P2P 

Payment 

Service 

(Percent)

Memo: 

Money 

Order, Check 

Cashing, or 

Bill Payment 

Service 

(Percent)

St. Louis, MO-IL~ 1,356 100.0 9.7 5.6 3.6 6.2 38.6 17.8

Salt Lake City, UT~ 423 100.0 4.4 6.3 6.5 9.0 58.8 18.1

San Antonio-New 

Braunfels, TX 1,024 100.0 16.2 5.4 8.4 8.0 29.7 22.7

San Diego-Carlsbad, CA 1,243 100.0 9.5 5.2 5.3 2.7 42.6 12.2

San Francisco-OaklandHayward, CA 1,712 100.0 6.0 3.5 8.5 2.9 50.3 9.0

San Jose-SunnyvaleSanta Clara, CA 761 100.0 4.3 3.5 12.7 1.7 55.3 6.5

Seattle-Tacoma-Bellevue, 

WA 1,661 100.0 6.8 3.3 5.1 1.4 46.1 10.1

Sioux Falls, SD 115 100.0 2.1 4.1 3.4 3.0 34.1 6.2

Tampa-St. PetersburgClearwater, FL 1,416 100.0 14.2 2.9 4.7 2.6 29.0 16.4

Tucson, AZ 444 100.0 16.3 4.1 4.8 3.1 19.4 20.8

Tulsa, OK 442 100.0 18.9 5.5 3.5 3.4 25.2 25.3

Urban Honolulu, HI 375 100.0 6.8 4.7 5.4 4.8 33.7 14.2

Virginia Beach-NorfolkNewport News, VA-NC~ 715 100.0 10.5 6.9 2.8 9.2 26.8 18.4

Washington-ArlingtonAlexandria, DC-VA-MDWV~ 2,608 100.0 10.8 3.8 7.9 3.6 44.2 15.0

Wichita, KS~ 292 100.0 8.4 3.0 4.6 5.9 25.8 13.3

Worcester, MA-CT~ 423 100.0 5.8 3.3 5.8 5.4 30.4 11.5

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

Technical Notes) for details. The dash symbol indicates an estimate of zero; the population proportion may be slightly greater 

than zero.
68 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

D.4 Nonbank Money Order Use by Bank Account Ownership and Household Characteristics, 

2015–2019

For All Households

Characteristics 2015 

(Percent)

2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

All 15.7 14.3 11.9 (11.6, 12.3) -2.3* (-2.9, -1.8)

Bank Account Ownership

Unbanked 47.8 44.0 42.3 (39.9, 44.8) -1.7 (-5.0, 1.5)

Banked 13.4 12.3 10.2 (9.9, 10.6) -2.1* (-2.6, -1.6)

Family Income

Less Than $15,000 29.6 24.9 23.0 (21.6, 24.4) -1.9 (-3.8, 0.0)

$15,000 to $30,000 22.1 21.3 18.2 (17.2, 19.3) -3.1* (-4.8, -1.4)

$30,000 to $50,000 16.9 17.2 15.2 (14.2, 16.2) -2.0* (-3.4, -0.6)

$50,000 to $75,000 12.9 11.2 9.6 (8.8, 10.4) -1.6* (-2.8, -0.5)

At Least $75,000 7.1 7.4 6.0 (5.6, 6.4) -1.4* (-2.0, -0.8)

Education

No High School Diploma 27.2 26.3 23.3 (21.7, 25.1) -3.0* (-5.1, -0.9)

High School Diploma 19.3 16.9 14.6 (13.9, 15.4) -2.3* (-3.5, -1.2)

Some College 16.9 15.2 12.9 (12.2, 13.7) -2.2* (-3.3, -1.1)

College Degree 8.3 8.5 6.8 (6.4, 7.4) -1.7* (-2.4, -1.0)

Age Group

15 to 24 Years 27.3 23.8 20.2 (18.2, 22.4) -3.6* (-6.4, -0.8)

25 to 34 Years 21.1 18.8 16.4 (15.5, 17.5) -2.4* (-3.8, -0.9)

35 to 44 Years 17.6 16.9 13.1 (12.3, 14.0) -3.7* (-5.0, -2.4)

45 to 54 Years 15.9 14.3 12.5 (11.6, 13.4) -1.8* (-3.1, -0.5)

55 to 64 Years 14.4 13.9 11.0 (10.3, 11.7) -2.9* (-4.0, -1.8)

65 Years or More 9.0 7.9 7.1 (6.6, 7.6) -0.8* (-1.5, -0.1)

Race/Ethnicity

Black 34.8 31.4 27.2 (25.6, 28.9) -4.2* (-6.4, -2.0)

Hispanic 25.5 24.6 20.8 (19.4, 22.2) -3.8* (-5.8, -1.8)

Asian 9.0 8.8 6.9 (5.9, 8.2) -1.9* (-3.7, 0.0)

American Indian or Alaska Native 26.9 26.6 21.0 (16.6, 26.1) -5.7 (-12.9, 1.5)

Native Hawaiian or Other Pacific 

Islander 18.7 17.0 NA NA NA NA

White 10.5 9.1 7.3 (7.0, 7.7) -1.7* (-2.3, -1.2)

Two or More Races 24.7 22.4 14.2 (11.0, 18.1) -8.2* (-14.0, -2.4)

Disability Status

Disabled, Aged 25 to 64 28.1 23.6 21.1 (19.6, 22.7) -2.5* (-4.7, -0.3)

Not Disabled, Aged 25 to 64 15.5 14.7 12.1 (11.7, 12.6) -2.6* (-3.2, -2.0)

Not Applicable (Not Aged 25 to 64) 12.3 10.6 9.1 (8.6, 9.7) -1.5* (-2.3, -0.6)
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 69

D.4 Nonbank Money Order Use by Bank Account Ownership and Household Characteristics, 

2015–2019 (continued)

For All Households

Characteristics 2015 

(Percent)

2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

Monthly Income Volatility

Income Was About the Same Each 

Month 14.3 12.7 10.7 (10.3, 11.1) -2.1* (-2.6, -1.5)

Income Varied Somewhat From 

Month to Month 20.2 19.4 15.5 (14.7, 16.4) -3.8* (-5.2, -2.5)

Income Varied a Lot From Month to 

Month 25.0 24.2 19.9 (17.8, 22.1) -4.3* (-7.6, -1.1)

Employment Status

Employed 15.6 14.6 11.9 (11.5, 12.4) -2.7* (-3.3, -2.0)

Unemployed 28.3 25.2 18.5 (15.9, 21.5) -6.7* (-10.6, -2.8)

Not in Labor Force 14.9 12.9 11.5 (11.0, 12.1) -1.4* (-2.1, -0.6)

Homeownership

Homeowner 9.7 8.3 6.8 (6.5, 7.2) -1.5* (-2.0, -1.0)

Non-Homeowner 26.4 24.8 21.2 (20.4, 22.0) -3.6* (-4.8, -2.4)

Household Type

Married Couple 11.2 10.4 8.4 (8.0, 8.8) -2.0* (-2.6, -1.4)

Unmarried Female-Headed Family 29.6 26.7 21.3 (19.9, 22.6) -5.5* (-7.4, -3.6)

Unmarried Male-Headed Family 22.4 20.9 16.8 (15.1, 18.7) -4.1* (-7.0, -1.2)

Female Individual 15.2 12.6 11.9 (11.1, 12.7) -0.7 (-1.8, 0.4)

Male Individual 16.8 16.4 13.7 (12.7, 14.7) -2.8* (-4.2, -1.4)

Other NA NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 14.9 13.4 11.3 (10.9, 11.7) -2.2* (-2.7, -1.6)

Foreign-Born Citizen 15.2 14.9 11.7 (10.5, 13.0) -3.2* (-5.0, -1.4)

Foreign-Born Noncitizen 26.0 24.6 21.3 (19.4, 23.3) -3.3* (-6.2, -0.4)

Metropolitan Status

Metropolitan Area - Principal City 20.3 18.7 14.6 (13.9, 15.4) -4.1* (-5.4, -2.9)

Metropolitan Area - Balance 13.2 11.9 10.4 (9.9, 11.0) -1.5* (-2.2, -0.7)

Not in Metropolitan Area 16.0 13.8 12.2 (11.1, 13.4) -1.6* (-3.0, -0.2)

Not Identified 13.9 12.6 10.8 (9.9, 11.8) -1.8* (-3.1, -0.5)

Geographic Region

Northeast 15.4 13.8 11.5 (10.6, 12.4) -2.4* (-3.7, -1.0)

Midwest 13.1 11.4 9.0 (8.4, 9.7) -2.4* (-3.4, -1.4)

South 18.4 16.9 14.9 (14.2, 15.7) -2.0* (-2.9, -1.1)

West 14.0 12.9 10.0 (9.3, 10.7) -2.9* (-4.0, -1.8)

The estimates of nonbank money order use in 2017 and 2015 reported here differ from those published in earlier reports due to a 

difference in how nonresponse is handled; see Appendix 1 (FDIC Technical Notes) for details. Asterisk indicates differences that are 

statistically significant at the 10 percent level. NA indicates that the sample size is too small to produce a precise estimate.
70 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

D.5 Nonbank Check Cashing Use by Bank Account Ownership and Household Characteristics, 

2015–2019

For All Households

Characteristics 2015 

(Percent)

2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

All 6.8 6.3 5.5 (5.3, 5.8) -0.7* (-1.0, -0.4)

Bank Account Ownership

Unbanked 33.7 30.0 31.9 (29.7, 34.1) 1.9 (-1.2, 4.9)

Banked 4.9 4.7 4.0 (3.8, 4.3) -0.6* (-0.9, -0.3)

Family Income

Less Than $15,000 13.2 10.9 11.0 (9.9, 12.2) 0.1 (-1.2, 1.5)

$15,000 to $30,000 9.9 10.6 9.0 (8.1, 9.9) -1.6* (-2.8, -0.5)

$30,000 to $50,000 7.1 7.0 7.4 (6.8, 8.1) 0.5 (-0.4, 1.3)

$50,000 to $75,000 5.1 4.8 4.3 (3.7, 4.9) -0.6 (-1.2, 0.1)

At Least $75,000 3.1 3.0 2.4 (2.1, 2.7) -0.7* (-1.1, -0.2)

Education

No High School Diploma 12.4 11.5 14.6 (13.3, 16.1) 3.1* (1.4, 4.8)

High School Diploma 8.5 8.2 7.1 (6.6, 7.7) -1.1* (-1.9, -0.4)

Some College 7.3 6.5 5.8 (5.3, 6.3) -0.7* (-1.4, -0.1)

College Degree 3.2 3.2 2.3 (2.0, 2.6) -1.0* (-1.4, -0.6)

Age Group

15 to 24 Years 15.2 11.1 9.8 (8.4, 11.4) -1.3 (-3.4, 0.7)

25 to 34 Years 9.2 8.0 7.0 (6.3, 7.7) -1.1* (-2.1, 0.0)

35 to 44 Years 7.8 7.5 7.0 (6.4, 7.7) -0.5 (-1.3, 0.4)

45 to 54 Years 6.3 6.1 5.3 (4.8, 5.9) -0.8 (-1.6, 0.1)

55 to 64 Years 5.5 5.4 4.7 (4.1, 5.3) -0.7 (-1.4, 0.0)

65 Years or More 3.9 4.1 3.7 (3.3, 4.1) -0.4 (-0.9, 0.2)

Race/Ethnicity

Black 11.3 11.5 9.6 (8.6, 10.7) -1.9* (-3.2, -0.7)

Hispanic 11.3 9.9 10.6 (9.7, 11.5) 0.7 (-0.7, 2.0)

Asian 3.8 2.7 2.4 (1.7, 3.3) -0.4 (-1.4, 0.7)

American Indian or Alaska Native 16.9 16.9 11.4 (8.0, 16.0) -5.5 (-11.5, 0.5)

Native Hawaiian or Other Pacific 

Islander 9.2 3.9 NA NA NA NA

White 5.1 4.6 3.9 (3.7, 4.2) -0.7* (-1.0, -0.4)

Two or More Races 9.3 9.7 3.7 (2.2, 6.2) -6.0* (-9.2, -2.9)

Disability Status

Disabled, Aged 25 to 64 10.1 9.3 9.3 (8.2, 10.4) 0.0 (-1.4, 1.3)

Not Disabled, Aged 25 to 64 6.7 6.3 5.5 (5.2, 5.8) -0.8* (-1.2, -0.3)

Not Applicable (Not Aged 25 to 64) 6.0 5.3 4.6 (4.2, 5.1) -0.6* (-1.2, -0.1)
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 71

D.5 Nonbank Check Cashing Use by Bank Account Ownership and Household Characteristics, 

2015–2019 (continued)

For All Households

Characteristics 2015 

(Percent)

2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

Monthly Income Volatility

Income Was About the Same Each 

Month 5.6 5.4 4.7 (4.4, 5.0) -0.6* (-1.0, -0.3)

Income Varied Somewhat From 

Month to Month 10.4 9.0 8.0 (7.4, 8.7) -1.0* (-2.0, 0.0)

Income Varied a Lot From Month to 

Month 12.5 11.2 10.0 (8.6, 11.7) -1.2 (-3.5, 1.1)

Employment Status

Employed 6.8 6.3 5.2 (4.9, 5.6) -1.0* (-1.5, -0.6)

Unemployed 14.9 14.4 9.6 (7.7, 11.8) -4.9* (-7.7, -2.0)

Not in Labor Force 6.1 5.6 5.8 (5.4, 6.3) 0.2 (-0.4, 0.8)

Homeownership

Homeowner 4.4 4.1 3.4 (3.1, 3.6) -0.8* (-1.1, -0.4)

Non-Homeowner 11.0 10.0 9.5 (9.0, 10.1) -0.5 (-1.2, 0.2)

Household Type

Married Couple 5.1 4.7 4.0 (3.7, 4.4) -0.7* (-1.1, -0.3)

Unmarried Female-Headed Family 11.8 12.6 10.0 (9.2, 11.0) -2.5* (-3.8, -1.2)

Unmarried Male-Headed Family 11.8 11.2 9.2 (7.9, 10.6) -2.0 (-4.0, 0.1)

Female Individual 5.4 5.2 5.2 (4.7, 5.8) 0.0 (-0.8, 0.7)

Male Individual 7.9 5.9 6.0 (5.4, 6.6) 0.1 (-0.8, 1.0)

Other NA NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 6.5 6.0 5.1 (4.9, 5.4) -0.9* (-1.2, -0.6)

Foreign-Born Citizen 4.2 5.3 4.8 (4.1, 5.7) -0.5 (-1.7, 0.8)

Foreign-Born Noncitizen 13.8 10.1 12.2 (11.0, 13.6) 2.1* (0.2, 4.0)

Metropolitan Status

Metropolitan Area - Principal City 8.2 7.0 6.2 (5.7, 6.7) -0.8* (-1.5, -0.1)

Metropolitan Area - Balance 5.7 5.3 4.8 (4.4, 5.1) -0.6* (-1.1, -0.1)

Not in Metropolitan Area 7.4 7.6 6.8 (6.0, 7.6) -0.8 (-1.8, 0.2)

Not Identified 6.7 6.2 5.5 (4.8, 6.3) -0.7 (-1.6, 0.2)

Geographic Region

Northeast 5.4 5.6 4.1 (3.5, 4.7) -1.5* (-2.3, -0.7)

Midwest 6.5 5.6 4.8 (4.4, 5.3) -0.8* (-1.5, -0.1)

South 7.8 7.1 6.4 (6.0, 6.9) -0.7* (-1.3, 0.0)

West 6.5 6.0 5.8 (5.3, 6.5) -0.2 (-1.0, 0.6)

The estimates of nonbank check cashing use in 2017 and 2015 reported here differ from those published in earlier reports due to a 

difference in how nonresponse is handled; see Appendix 1 (FDIC Technical Notes) for details. Asterisk indicates differences that are 

statistically significant at the 10 percent level. NA indicates that the sample size is too small to produce a precise estimate.
72 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

D.6 Nonbank International Remittance Use by Bank Account Ownership and Household 

Characteristics, 2015–2019

For All Households

Characteristics 2015 

(Percent)

2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

All 3.9 3.7 5.5 (5.3, 5.8) 1.9* (1.5, 2.2)

Bank Account Ownership

Unbanked 8.8 6.3 9.4 (8.0, 11.1) 3.1* (1.2, 5.0)

Banked 3.6 3.5 5.3 (5.1, 5.6) 1.8* (1.5, 2.2)

Family Income

Less Than $15,000 3.6 3.8 4.8 (4.0, 5.6) 1.0* (0.0, 2.0)

$15,000 to $30,000 5.1 5.0 6.3 (5.6, 7.1) 1.3* (0.4, 2.3)

$30,000 to $50,000 5.0 5.1 7.0 (6.3, 7.8) 2.0* (1.1, 2.9)

$50,000 to $75,000 3.7 3.5 6.2 (5.6, 6.8) 2.7* (1.9, 3.4)

At Least $75,000 2.9 2.3 4.4 (4.0, 4.8) 2.1* (1.6, 2.6)

Education

No High School Diploma 10.2 11.3 14.7 (13.4, 16.0) 3.4* (1.5, 5.3)

High School Diploma 3.5 3.3 5.5 (5.0, 6.1) 2.2* (1.5, 2.9)

Some College 2.9 2.5 4.1 (3.6, 4.6) 1.6* (1.0, 2.2)

College Degree 3.2 2.9 4.5 (4.2, 4.9) 1.7* (1.1, 2.2)

Age Group

15 to 24 Years 4.0 3.3 7.1 (5.8, 8.7) 3.8* (2.3, 5.3)

25 to 34 Years 6.0 4.9 7.2 (6.5, 7.9) 2.3* (1.4, 3.2)

35 to 44 Years 6.7 6.3 8.5 (7.8, 9.3) 2.2* (1.2, 3.2)

45 to 54 Years 4.1 4.6 6.6 (6.0, 7.2) 1.9* (1.1, 2.7)

55 to 64 Years 2.7 2.8 4.4 (3.9, 5.0) 1.6* (1.0, 2.2)

65 Years or More 1.3 1.1 2.5 (2.1, 2.8) 1.3* (0.9, 1.7)

Race/Ethnicity

Black 4.4 4.4 6.1 (5.3, 7.0) 1.8* (0.7, 2.8)

Hispanic 15.6 15.6 20.2 (19.1, 21.4) 4.6* (2.9, 6.3)

Asian 12.4 8.7 13.3 (11.7, 15.0) 4.6* (2.3, 6.8)

American Indian or Alaska Native 1.7 1.4 0.3 (0.1, 1.3) -1.1 (-2.3, 0.1)

Native Hawaiian or Other Pacific 

Islander 10.1 8.7 NA NA NA NA

White 1.0 0.8 1.7 (1.6, 1.9) 0.9* (0.7, 1.1)

Two or More Races 1.6 1.1 3.1 (1.6, 5.7) 2.0 (-0.2, 4.1)

Disability Status

Disabled, Aged 25 to 64 1.9 2.4 3.3 (2.7, 4.0) 0.9* (0.1, 1.8)

Not Disabled, Aged 25 to 64 5.2 4.9 7.0 (6.7, 7.4) 2.1* (1.6, 2.6)

Not Applicable (Not Aged 25 to 64) 1.8 1.5 3.2 (2.8, 3.6) 1.7* (1.3, 2.0)
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 73

D.6 Nonbank International Remittance Use by Bank Account Ownership and Household 

Characteristics, 2015–2019 (continued)

For All Households

Characteristics 2015 

(Percent)

2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

Monthly Income Volatility

Income Was About the Same Each 

Month 3.3 3.1 4.8 (4.5, 5.1) 1.7* (1.4, 2.1)

Income Varied Somewhat From 

Month to Month 5.9 5.7 7.7 (7.0, 8.4) 1.9* (1.0, 2.8)

Income Varied a Lot From Month to 

Month 6.9 6.2 9.8 (8.2, 11.7) 3.6* (1.4, 5.8)

Employment Status

Employed 5.0 4.5 6.8 (6.4, 7.1) 2.3* (1.8, 2.8)

Unemployed 4.4 4.6 8.3 (6.3, 10.8) 3.7* (1.1, 6.2)

Not in Labor Force 2.0 2.2 3.2 (2.9, 3.5) 1.0* (0.6, 1.4)

Homeownership

Homeowner 2.4 2.4 3.9 (3.7, 4.2) 1.6* (1.3, 1.9)

Non-Homeowner 6.5 5.9 8.4 (7.9, 9.0) 2.5* (1.7, 3.3)

Household Type

Married Couple 4.6 4.1 6.3 (5.9, 6.7) 2.2* (1.7, 2.6)

Unmarried Female-Headed Family 5.0 4.5 7.7 (6.7, 8.7) 3.1* (1.9, 4.4)

Unmarried Male-Headed Family 6.9 6.4 8.3 (7.0, 9.9) 1.9* (0.1, 3.8)

Female Individual 1.5 1.5 2.8 (2.4, 3.3) 1.3* (0.8, 1.9)

Male Individual 3.1 3.3 4.3 (3.8, 5.0) 1.0* (0.2, 1.8)

Other NA NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 1.1 1.2 2.0 (1.8, 2.2) 0.9* (0.6, 1.1)

Foreign-Born Citizen 15.6 14.0 20.6 (19.0, 22.3) 6.6* (4.4, 8.8)

Foreign-Born Noncitizen 26.7 24.7 32.6 (30.6, 34.7) 7.9* (4.9, 10.8)

Metropolitan Status

Metropolitan Area - Principal City 6.5 5.2 7.9 (7.3, 8.5) 2.6* (1.8, 3.4)

Metropolitan Area - Balance 3.8 3.7 5.7 (5.3, 6.2) 2.0* (1.5, 2.6)

Not in Metropolitan Area 1.4 1.4 2.3 (1.9, 2.8) 0.9* (0.5, 1.4)

Not Identified 1.8 2.4 3.1 (2.6, 3.7) 0.7 (0.0, 1.3)

Geographic Region

Northeast 4.6 4.3 6.6 (6.0, 7.3) 2.3* (1.5, 3.2)

Midwest 2.1 1.8 3.6 (3.1, 4.1) 1.8* (1.2, 2.3)

South 3.8 3.6 5.3 (4.9, 5.8) 1.7* (1.2, 2.2)

West 5.3 5.1 7.0 (6.4, 7.6) 1.9* (1.1, 2.7)

The estimates of nonbank international remittance use in 2017 and 2015 reported here differ from those published in earlier reports 

due to a difference in how nonresponse is handled; see Appendix 1 (FDIC Technical Notes) for details. Asterisk indicates differences that 

are statistically significant at the 10 percent level. NA indicates that the sample size is too small to produce a precise estimate.
74 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

D.7 Frequency of Nonbank Money Order Use by Bank Account Ownership and Household 

Characteristics, 2019

For All Households, Row Percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Often 

(Percent)

Sometimes 

(Percent)

Rarely 

(Percent)

Did Not Use 

(Percent)

All 131,248 100.0 4.4 2.9 4.6 88.1

Bank Account Ownership

Unbanked 7,056 100.0 25.4 10.6 6.3 57.7

Banked 124,192 100.0 3.2 2.5 4.5 89.8

Family Income

Less Than $15,000 14,048 100.0 12.1 5.4 5.5 77.0

$15,000 to $30,000 18,848 100.0 7.6 4.8 5.8 81.8

$30,000 to $50,000 24,694 100.0 6.0 3.9 5.2 84.8

$50,000 to $75,000 23,857 100.0 2.7 2.5 4.4 90.4

At Least $75,000 49,801 100.0 1.0 1.2 3.7 94.0

Education

No High School Diploma 11,392 100.0 12.6 6.2 4.5 76.7

High School Diploma 32,659 100.0 5.9 4.2 4.6 85.4

Some College 37,165 100.0 4.9 2.9 5.1 87.1

College Degree 50,032 100.0 1.3 1.3 4.2 93.2

Age Group

15 to 24 Years 6,307 100.0 7.4 4.9 7.9 79.8

25 to 34 Years 21,412 100.0 6.4 3.7 6.3 83.6

35 to 44 Years 22,349 100.0 4.7 3.0 5.5 86.9

45 to 54 Years 22,334 100.0 4.4 3.1 5.0 87.5

55 to 64 Years 24,450 100.0 4.2 3.0 3.9 89.0

65 Years or More 34,397 100.0 2.6 1.9 2.6 92.9

Race/Ethnicity

Black 16,728 100.0 12.2 7.1 7.9 72.8

Hispanic 18,352 100.0 8.1 5.9 6.8 79.2

Asian 7,007 100.0 1.0 1.9 4.0 93.1

American Indian or Alaska Native 955 100.0 11.1 4.6 5.2 79.0

Native Hawaiian or Other Pacific 

Islander NA NA NA NA NA NA

White 86,152 100.0 2.3 1.6 3.5 92.7

Two or More Races 1,769 100.0 5.9 2.1 6.2 85.8

Disability Status

Disabled, Aged 25 to 64 10,668 100.0 9.7 4.9 6.5 78.9

Not Disabled, Aged 25 to 64 79,877 100.0 4.2 2.9 5.0 87.9

Not Applicable (Not Aged 25 to 64) 40,704 100.0 3.3 2.4 3.4 90.9
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 75

D.7 Frequency of Nonbank Money Order Use by Bank Account Ownership and Household 

Characteristics, 2019 (continued)

For All Households, Row Percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Often 

(Percent)

Sometimes 

(Percent)

Rarely 

(Percent)

Did Not Use 

(Percent)

Monthly Income Volatility

Income Was About the Same Each 

Month 101,916 100.0 4.1 2.6 4.0 89.3

Income Varied Somewhat From Month 

to Month 23,980 100.0 5.5 4.1 6.0 84.5

Income Varied a Lot From Month to 

Month 5,353 100.0 6.3 4.0 9.5 80.1

Employment Status

Employed 81,542 100.0 4.1 2.7 5.1 88.1

Unemployed 2,887 100.0 6.7 5.0 6.8 81.5

Not in Labor Force 46,820 100.0 4.8 3.1 3.6 88.5

Homeownership

Homeowner 84,688 100.0 1.7 1.7 3.4 93.2

Non-Homeowner 46,561 100.0 9.3 5.2 6.7 78.8

Household Type

Married Couple 60,971 100.0 2.4 2.1 3.9 91.6

Unmarried Female-Headed Family 15,233 100.0 9.5 5.0 6.7 78.7

Unmarried Male-Headed Family 6,602 100.0 6.0 4.4 6.4 83.2

Female Individual 24,990 100.0 4.9 2.7 4.3 88.1

Male Individual 23,178 100.0 5.2 3.5 4.9 86.3

Other NA NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 111,679 100.0 4.2 2.6 4.4 88.7

Foreign-Born Citizen 11,242 100.0 3.4 3.7 4.6 88.3

Foreign-Born Noncitizen 8,327 100.0 8.7 5.9 6.8 78.7

Metropolitan Status

Metropolitan Area - Principal City 38,371 100.0 5.9 3.7 5.0 85.4

Metropolitan Area - Balance 57,182 100.0 3.3 2.5 4.6 89.6

Not in Metropolitan Area 17,112 100.0 5.1 2.8 4.3 87.8

Not Identified 18,583 100.0 4.2 2.7 3.9 89.2

Geographic Region

Northeast 22,622 100.0 3.8 2.8 4.9 88.5

Midwest 28,297 100.0 3.5 2.0 3.5 91.0

South 50,328 100.0 5.4 3.9 5.6 85.1

West 30,000 100.0 4.1 2.2 3.6 90.0

NA indicates that the sample size is too small to produce a precise estimate.
76 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

D.8 Frequency of Nonbank Check Cashing Use by Bank Account Ownership and Household 

Characteristics, 2019

For All Households, Row Percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Often 

(Percent)

Sometimes 

(Percent)

Rarely 

(Percent)

Did Not Use 

(Percent)

All 131,248 100.0 1.8 1.9 1.9 94.5

Bank Account Ownership

Unbanked 7,056 100.0 17.8 8.5 5.5 68.1

Banked 124,192 100.0 0.9 1.5 1.7 96.0

Family Income

Less Than $15,000 14,048 100.0 4.5 3.5 3.0 89.0

$15,000 to $30,000 18,848 100.0 3.3 2.9 2.8 91.0

$30,000 to $50,000 24,694 100.0 2.4 2.7 2.3 92.6

$50,000 to $75,000 23,857 100.0 1.0 1.4 1.8 95.7

At Least $75,000 49,801 100.0 0.5 0.8 1.1 97.6

Education

No High School Diploma 11,392 100.0 7.2 4.6 2.8 85.4

High School Diploma 32,659 100.0 2.3 2.4 2.5 92.9

Some College 37,165 100.0 1.5 2.1 2.1 94.2

College Degree 50,032 100.0 0.4 0.7 1.2 97.7

Age Group

15 to 24 Years 6,307 100.0 2.2 4.5 3.1 90.2

25 to 34 Years 21,412 100.0 2.4 2.2 2.4 93.0

35 to 44 Years 22,349 100.0 2.6 2.3 2.1 93.0

45 to 54 Years 22,334 100.0 1.9 1.5 2.0 94.7

55 to 64 Years 24,450 100.0 1.5 1.5 1.7 95.3

65 Years or More 34,397 100.0 0.9 1.4 1.3 96.3

Race/Ethnicity

Black 16,728 100.0 3.4 3.4 2.8 90.4

Hispanic 18,352 100.0 4.6 3.6 2.3 89.4

Asian 7,007 100.0 0.7 1.0 0.6 97.6

American Indian or Alaska Native 955 100.0 4.1 3.9 3.4 88.6

Native Hawaiian or Other Pacific 

Islander NA NA NA NA NA NA

White 86,152 100.0 0.9 1.2 1.7 96.1

Two or More Races 1,769 100.0 0.1 1.5 2.1 96.3

Disability Status

Disabled, Aged 25 to 64 10,668 100.0 3.1 2.4 3.7 90.7

Not Disabled, Aged 25 to 64 79,877 100.0 1.9 1.8 1.8 94.5

Not Applicable (Not Aged 25 to 64) 40,704 100.0 1.1 1.9 1.6 95.4
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 77

D.8 Frequency of Nonbank Check Cashing Use by Bank Account Ownership and Household 

Characteristics, 2019 (continued)

For All Households, Row Percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Often 

(Percent)

Sometimes 

(Percent)

Rarely 

(Percent)

Did Not Use 

(Percent)

Monthly Income Volatility

Income Was About the Same Each 

Month 101,916 100.0 1.5 1.6 1.6 95.3

Income Varied Somewhat From Month 

to Month 23,980 100.0 2.5 3.0 2.6 92.0

Income Varied a Lot From Month to 

Month 5,353 100.0 3.5 2.6 3.9 90.0

Employment Status

Employed 81,542 100.0 1.7 1.7 1.8 94.8

Unemployed 2,887 100.0 3.7 3.1 2.8 90.4

Not in Labor Force 46,820 100.0 1.8 2.0 2.0 94.2

Homeownership

Homeowner 84,688 100.0 0.8 1.2 1.3 96.6

Non-Homeowner 46,561 100.0 3.5 3.0 3.0 90.5

Household Type

Married Couple 60,971 100.0 1.2 1.4 1.4 96.0

Unmarried Female-Headed Family 15,233 100.0 3.6 3.2 3.2 90.0

Unmarried Male-Headed Family 6,602 100.0 2.8 3.3 3.1 90.8

Female Individual 24,990 100.0 1.3 1.9 2.0 94.8

Male Individual 23,178 100.0 2.3 1.8 1.9 94.0

Other NA NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 111,679 100.0 1.5 1.7 1.9 94.9

Foreign-Born Citizen 11,242 100.0 1.4 1.8 1.6 95.2

Foreign-Born Noncitizen 8,327 100.0 6.4 3.9 1.9 87.8

Metropolitan Status

Metropolitan Area - Principal City 38,371 100.0 2.2 2.1 1.8 93.8

Metropolitan Area - Balance 57,182 100.0 1.4 1.7 1.7 95.2

Not in Metropolitan Area 17,112 100.0 2.1 1.9 2.7 93.2

Not Identified 18,583 100.0 1.7 1.7 2.1 94.5

Geographic Region

Northeast 22,622 100.0 1.2 1.4 1.4 95.9

Midwest 28,297 100.0 1.8 1.1 1.9 95.2

South 50,328 100.0 1.9 2.5 2.0 93.6

West 30,000 100.0 2.1 1.8 2.0 94.2

NA indicates that the sample size is too small to produce a precise estimate.
78 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

D.9 Frequency of Nonbank International Remittance Use by Bank Account Ownership and 

Household Characteristics, 2019

For All Households, Row Percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Often 

(Percent)

Sometimes 

(Percent)

Rarely 

(Percent)

Did Not Use 

(Percent)

All 131,248 100.0 1.4 2.4 1.7 94.5

Bank Account Ownership

Unbanked 7,056 100.0 3.3 4.4 1.7 90.6

Banked 124,192 100.0 1.3 2.3 1.7 94.7

Family Income

Less Than $15,000 14,048 100.0 1.1 2.2 1.4 95.2

$15,000 to $30,000 18,848 100.0 1.6 2.9 1.8 93.7

$30,000 to $50,000 24,694 100.0 2.0 3.2 1.9 93.0

$50,000 to $75,000 23,857 100.0 1.6 2.6 1.9 93.8

At Least $75,000 49,801 100.0 1.1 1.7 1.6 95.6

Education

No High School Diploma 11,392 100.0 4.4 7.7 2.6 85.3

High School Diploma 32,659 100.0 1.6 2.5 1.5 94.5

Some College 37,165 100.0 1.0 1.8 1.4 95.9

College Degree 50,032 100.0 1.0 1.6 1.9 95.5

Age Group

15 to 24 Years 6,307 100.0 1.8 3.3 1.9 92.9

25 to 34 Years 21,412 100.0 1.7 2.8 2.7 92.8

35 to 44 Years 22,349 100.0 2.0 3.9 2.5 91.5

45 to 54 Years 22,334 100.0 1.7 3.2 1.6 93.4

55 to 64 Years 24,450 100.0 1.5 1.6 1.4 95.6

65 Years or More 34,397 100.0 0.6 1.0 0.9 97.5

Race/Ethnicity

Black 16,728 100.0 1.7 2.8 1.7 93.9

Hispanic 18,352 100.0 5.9 9.4 5.0 79.8

Asian 7,007 100.0 3.5 5.7 4.0 86.7

American Indian or Alaska Native 955 100.0 – – 0.3 99.7

Native Hawaiian or Other Pacific 

Islander NA NA NA NA NA NA

White 86,152 100.0 0.3 0.6 0.9 98.3

Two or More Races 1,769 100.0 – 1.9 1.2 96.9

Disability Status

Disabled, Aged 25 to 64 10,668 100.0 0.9 1.3 1.2 96.7

Not Disabled, Aged 25 to 64 79,877 100.0 1.8 3.1 2.1 93.0

Not Applicable (Not Aged 25 to 64) 40,704 100.0 0.8 1.4 1.0 96.8
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 79

D.9 Frequency of Nonbank International Remittance Use by Bank Account Ownership and 

Household Characteristics, 2019 (continued)

For All Households, Row Percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Often 

(Percent)

Sometimes 

(Percent)

Rarely 

(Percent)

Did Not Use 

(Percent)

Monthly Income Volatility

Income Was About the Same Each 

Month 101,916 100.0 1.2 2.1 1.5 95.2

Income Varied Somewhat From Month 

to Month 23,980 100.0 2.2 3.2 2.2 92.3

Income Varied a Lot From Month to 

Month 5,353 100.0 1.6 4.6 3.6 90.2

Employment Status

Employed 81,542 100.0 1.8 2.9 2.0 93.2

Unemployed 2,887 100.0 1.6 3.5 3.2 91.7

Not in Labor Force 46,820 100.0 0.7 1.4 1.1 96.8

Homeownership

Homeowner 84,688 100.0 0.9 1.8 1.3 96.1

Non-Homeowner 46,561 100.0 2.4 3.5 2.5 91.6

Household Type

Married Couple 60,971 100.0 1.6 2.9 1.8 93.7

Unmarried Female-Headed Family 15,233 100.0 1.4 3.2 3.0 92.3

Unmarried Male-Headed Family 6,602 100.0 2.3 3.4 2.6 91.7

Female Individual 24,990 100.0 0.7 1.2 0.9 97.2

Male Individual 23,178 100.0 1.6 1.6 1.2 95.7

Other NA NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 111,679 100.0 0.3 0.8 0.9 98.0

Foreign-Born Citizen 11,242 100.0 5.2 9.4 5.9 79.4

Foreign-Born Noncitizen 8,327 100.0 10.9 14.5 7.2 67.4

Metropolitan Status

Metropolitan Area - Principal City 38,371 100.0 2.2 3.4 2.3 92.1

Metropolitan Area - Balance 57,182 100.0 1.4 2.5 1.9 94.3

Not in Metropolitan Area 17,112 100.0 0.5 1.1 0.7 97.7

Not Identified 18,583 100.0 0.8 1.4 0.9 96.9

Geographic Region

Northeast 22,622 100.0 1.6 3.2 1.8 93.4

Midwest 28,297 100.0 0.8 1.5 1.3 96.4

South 50,328 100.0 1.5 2.3 1.5 94.7

West 30,000 100.0 1.8 2.8 2.3 93.0

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

population proportion may be slightly greater than zero.
80 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

D.10 Frequency of Nonbank Bill Payment Service Use by Bank Account Ownership and Household 

Characteristics, 2019

For All Households, Row Percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Often 

(Percent)

Sometimes 

(Percent)

Rarely 

(Percent)

Did Not Use 

(Percent)

All 131,248 100.0 1.8 1.7 1.4 95.1

Bank Account Ownership

Unbanked 7,056 100.0 7.1 5.3 2.1 85.6

Banked 124,192 100.0 1.5 1.5 1.4 95.6

Family Income

Less Than $15,000 14,048 100.0 2.7 2.5 1.4 93.4

$15,000 to $30,000 18,848 100.0 2.4 2.7 1.5 93.4

$30,000 to $50,000 24,694 100.0 2.7 2.1 1.8 93.4

$50,000 to $75,000 23,857 100.0 1.8 1.7 1.6 94.9

At Least $75,000 49,801 100.0 0.9 0.9 1.0 97.2

Education

No High School Diploma 11,392 100.0 4.4 3.8 1.6 90.2

High School Diploma 32,659 100.0 2.1 2.0 1.5 94.4

Some College 37,165 100.0 1.9 1.7 1.5 94.8

College Degree 50,032 100.0 0.9 1.0 1.2 96.9

Age Group

15 to 24 Years 6,307 100.0 4.2 4.3 2.0 89.5

25 to 34 Years 21,412 100.0 2.8 2.4 2.3 92.5

35 to 44 Years 22,349 100.0 2.0 2.1 1.6 94.3

45 to 54 Years 22,334 100.0 1.9 1.8 1.4 94.9

55 to 64 Years 24,450 100.0 1.7 1.1 1.4 95.8

65 Years or More 34,397 100.0 0.6 0.9 0.6 97.9

Race/Ethnicity

Black 16,728 100.0 3.7 3.3 2.2 90.7

Hispanic 18,352 100.0 3.6 4.4 2.5 89.4

Asian 7,007 100.0 1.1 1.8 1.8 95.2

American Indian or Alaska Native 955 100.0 3.4 2.8 4.3 89.5

Native Hawaiian or Other Pacific 

Islander NA NA NA NA NA NA

White 86,152 100.0 1.1 0.8 0.9 97.2

Two or More Races 1,769 100.0 1.7 1.9 0.6 95.7

Disability Status

Disabled, Aged 25 to 64 10,668 100.0 2.7 2.1 1.7 93.5

Not Disabled, Aged 25 to 64 79,877 100.0 2.0 1.8 1.7 94.5

Not Applicable (Not Aged 25 to 64) 40,704 100.0 1.1 1.4 0.8 96.6
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 81

D.10 Frequency of Nonbank Bill Payment Service Use by Bank Account Ownership and Household 

Characteristics, 2019 (continued)

For All Households, Row Percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Often 

(Percent)

Sometimes 

(Percent)

Rarely 

(Percent)

Did Not Use 

(Percent)

Monthly Income Volatility

Income Was About the Same Each 

Month 101,916 100.0 1.5 1.4 1.3 95.8

Income Varied Somewhat From Month 

to Month 23,980 100.0 2.9 2.3 1.7 93.1

Income Varied a Lot From Month to 

Month 5,353 100.0 2.4 3.7 2.3 91.6

Employment Status

Employed 81,542 100.0 2.1 1.9 1.6 94.5

Unemployed 2,887 100.0 2.9 1.8 1.9 93.5

Not in Labor Force 46,820 100.0 1.3 1.4 1.0 96.3

Homeownership

Homeowner 84,688 100.0 1.0 1.1 0.9 96.9

Non-Homeowner 46,561 100.0 3.2 2.8 2.3 91.8

Household Type

Married Couple 60,971 100.0 1.5 1.4 1.3 95.9

Unmarried Female-Headed Family 15,233 100.0 2.9 3.0 2.1 92.1

Unmarried Male-Headed Family 6,602 100.0 3.1 3.2 2.5 91.2

Female Individual 24,990 100.0 1.4 1.4 0.9 96.2

Male Individual 23,178 100.0 2.1 1.6 1.5 94.8

Other NA NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 111,679 100.0 1.5 1.2 1.2 96.0

Foreign-Born Citizen 11,242 100.0 2.3 3.4 2.2 92.1

Foreign-Born Noncitizen 8,327 100.0 4.7 5.5 2.7 87.1

Metropolitan Status

Metropolitan Area - Principal City 38,371 100.0 2.1 2.3 1.7 93.8

Metropolitan Area - Balance 57,182 100.0 1.5 1.6 1.3 95.6

Not in Metropolitan Area 17,112 100.0 1.7 1.0 1.1 96.2

Not Identified 18,583 100.0 2.1 1.4 1.4 95.1

Geographic Region

Northeast 22,622 100.0 1.8 2.0 1.5 94.7

Midwest 28,297 100.0 1.7 1.2 1.1 96.1

South 50,328 100.0 1.7 2.0 1.6 94.7

West 30,000 100.0 2.0 1.4 1.4 95.2

NA indicates that the sample size is too small to produce a precise estimate.
82 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

E.1 Specific Bank Credit Product Use by Bank Account Ownership and Household 

Characteristics, 2019

For All Households, Row Percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Credit Card 

(Percent)

Bank 

Personal 

Loan 

(Percent)

Memo: 

Bank Credit 

(Percent)

All 131,248 100.0 71.3 10.8 72.5

Bank Account Ownership

Unbanked 7,056 100.0 8.0 1.0 8.5

Banked 124,192 100.0 74.9 11.3 76.1

Family Income

Less Than $15,000 14,048 100.0 35.6 4.1 37.0

$15,000 to $30,000 18,848 100.0 50.4 6.4 52.0

$30,000 to $50,000 24,694 100.0 65.3 9.2 66.9

$50,000 to $75,000 23,857 100.0 77.7 12.1 79.0

At Least $75,000 49,801 100.0 89.2 14.5 89.9

Education

No High School Diploma 11,392 100.0 35.5 6.1 37.1

High School Diploma 32,659 100.0 60.3 9.1 61.7

Some College 37,165 100.0 71.1 11.3 72.5

College Degree 50,032 100.0 86.8 12.6 87.5

Age Group

15 to 24 Years 6,307 100.0 58.9 9.9 60.9

25 to 34 Years 21,412 100.0 70.7 11.7 72.1

35 to 44 Years 22,349 100.0 72.1 11.4 73.2

45 to 54 Years 22,334 100.0 73.0 12.7 74.3

55 to 64 Years 24,450 100.0 72.4 11.6 73.5

65 Years or More 34,397 100.0 71.6 8.2 72.5

Race/Ethnicity

Black 16,728 100.0 51.0 7.5 52.5

Hispanic 18,352 100.0 57.6 8.3 58.6

Asian 7,007 100.0 82.9 9.7 83.4

American Indian or Alaska Native 955 100.0 52.1 16.8 54.4

Native Hawaiian or Other Pacific Islander NA NA NA NA NA

White 86,152 100.0 77.5 11.9 78.7

Two or More Races 1,769 100.0 68.0 13.1 69.3

Disability Status

Disabled, Aged 25 to 64 10,668 100.0 47.5 9.3 49.2

Not Disabled, Aged 25 to 64 79,877 100.0 75.3 12.2 76.5

Not Applicable (Not Aged 25 to 64) 40,704 100.0 69.7 8.4 70.7
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 83

E.1 Specific Bank Credit Product Use by Bank Account Ownership and Household 

Characteristics, 2019 (continued)

For All Households, Row Percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Credit Card 

(Percent)

Bank 

Personal 

Loan 

(Percent)

Memo: 

Bank Credit 

(Percent)

Monthly Income Volatility

Income Was About the Same Each Month 101,916 100.0 71.9 10.3 73.0

Income Varied Somewhat From Month to Month 23,980 100.0 70.0 12.2 71.4

Income Varied a Lot From Month to Month 5,353 100.0 66.4 14.1 68.0

Employment Status

Employed 81,542 100.0 76.2 12.6 77.4

Unemployed 2,887 100.0 58.7 10.4 59.6

Not in Labor Force 46,820 100.0 63.6 7.7 64.7

Homeownership

Homeowner 84,688 100.0 80.1 12.6 81.2

Non-Homeowner 46,561 100.0 55.4 7.5 56.6

Household Type

Married Couple 60,971 100.0 80.8 12.9 81.8

Unmarried Female-Headed Family 15,233 100.0 56.2 9.4 58.1

Unmarried Male-Headed Family 6,602 100.0 62.5 11.4 64.1

Female Individual 24,990 100.0 67.1 7.6 68.1

Male Individual 23,178 100.0 63.7 9.4 65.0

Other NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 111,679 100.0 72.4 11.2 73.6

Foreign-Born Citizen 11,242 100.0 70.0 8.7 70.9

Foreign-Born Noncitizen 8,327 100.0 58.9 7.7 59.7

Metropolitan Status

Metropolitan Area - Principal City 38,371 100.0 68.5 9.1 69.2

Metropolitan Area - Balance 57,182 100.0 76.3 11.4 77.3

Not in Metropolitan Area 17,112 100.0 62.2 11.5 64.6

Not Identified 18,583 100.0 70.1 11.9 71.5

Geographic Region

Northeast 22,622 100.0 75.3 10.8 76.0

Midwest 28,297 100.0 73.9 12.3 75.4

South 50,328 100.0 65.9 10.1 67.2

West 30,000 100.0 75.0 10.7 75.9

Bank credit includes Visa, MasterCard, American Express, or Discover credit cards (i.e., credit cards) and personal loans or lines of credit 

from a bank (i.e., bank personal loans). NA indicates that the sample size is too small to produce a precise estimate.
84 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

E.2 Specific Bank Credit Product Use by State, 2019

For All Households, Row Percent

Geography

Number of 

Households 

(1000s)

Percent of 

Households

Credit Card 

(Percent)

Bank 

Personal Loan 

(Percent)

Memo: 

Bank Credit 

(Percent)

All 131,248 100.0 71.3 10.8 72.5

State

AL 2,062 100.0 61.3 11.7 63.6

AK 277 100.0 80.9 13.6 81.8

AZ 2,900 100.0 72.4 10.1 73.7

AR 1,201 100.0 59.4 8.6 60.7

CA 14,325 100.0 73.6 8.7 74.2

CO 2,449 100.0 83.5 14.7 84.7

CT 1,524 100.0 74.9 13.2 75.7

DE 440 100.0 76.5 15.9 77.7

DC 363 100.0 73.0 7.6 73.2

FL 9,139 100.0 69.6 7.4 70.4

GA 4,144 100.0 66.6 9.9 67.5

HI 502 100.0 80.8 17.1 82.0

ID 702 100.0 68.1 14.0 70.2

IL 5,364 100.0 72.8 10.0 73.7

IN 2,765 100.0 70.7 9.6 72.9

IA 1,320 100.0 73.4 16.8 76.7

KS 1,141 100.0 65.0 11.2 66.5

KY 1,838 100.0 58.9 9.8 60.7

LA 1,945 100.0 56.7 10.1 58.1

ME 604 100.0 77.0 15.5 78.8

MD 2,379 100.0 78.7 14.4 80.0

MA 2,809 100.0 80.5 10.1 81.1

MI 4,220 100.0 71.2 10.7 73.4

MN 2,407 100.0 83.9 20.5 85.0

MS 1,199 100.0 49.5 11.1 52.4

MO 2,516 100.0 73.3 12.1 75.3

MT 460 100.0 72.5 10.8 73.5

NE 742 100.0 71.6 12.1 73.6

NV 1,350 100.0 72.2 8.4 73.4

NH 545 100.0 84.3 9.0 85.3

NJ 3,317 100.0 78.3 9.5 78.6

NM 829 100.0 67.0 8.5 67.6

NY 7,879 100.0 71.0 9.8 71.7

NC 4,369 100.0 64.2 10.4 66.0

ND 308 100.0 76.1 16.2 77.3
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 85

E.2 Specific Bank Credit Product Use by State, 2019 (continued)

For All Households, Row Percent

Geography

Number of 

Households 

(1000s)

Percent of 

Households

Credit Card 

(Percent)

Bank 

Personal Loan 

(Percent)

Memo: 

Bank Credit 

(Percent)

OH 4,653 100.0 74.8 11.8 75.3

OK 1,612 100.0 60.3 11.1 62.4

OR 1,825 100.0 78.3 12.8 79.1

PA 5,245 100.0 75.3 12.4 76.1

RI 441 100.0 79.9 8.3 80.7

SC 2,081 100.0 68.3 10.6 70.2

SD 354 100.0 70.3 18.2 73.6

TN 2,781 100.0 57.8 8.4 59.6

TX 10,395 100.0 64.7 10.1 66.1

UT 1,098 100.0 83.7 18.9 85.2

VT 259 100.0 82.9 12.8 83.6

VA 3,619 100.0 77.7 12.9 78.3

WA 3,043 100.0 76.9 12.1 78.1

WV 761 100.0 59.7 9.5 61.0

WI 2,508 100.0 78.5 12.6 79.6

WY 241 100.0 67.1 13.9 69.6

Bank credit includes Visa, MasterCard, American Express, or Discover credit cards (i.e., credit cards) and personal loans or lines of credit 

from a bank (i.e., bank personal loans).
86 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

E.3 Specific Bank Credit Product Use by MSA, 2019

For All Households, Row Percent

Geography

Number of 

Households 

(1000s)

Percent of 

Households

Credit Card 

(Percent)

Bank 

Personal 

Loan 

(Percent)

Memo: 

Bank Credit 

(Percent)

All 131,248 100.0 71.3 10.8 72.5

MSA

Albuquerque, NM 398 100.0 76.1 8.5 76.8

Atlanta-Sandy Springs-Roswell, GA~ 2,420 100.0 74.6 10.2 75.6

Austin-Round Rock, TX 719 100.0 78.6 13.9 79.4

Baltimore-Columbia-Towson, MD 1,024 100.0 72.0 16.8 74.2

Baton Rouge, LA 359 100.0 63.1 11.7 64.3

Birmingham-Hoover, AL 453 100.0 55.1 10.7 58.5

Boise City, ID 278 100.0 70.9 16.6 72.1

Boston-Cambridge-Newton, MA-NH~ 1,987 100.0 82.6 10.2 83.2

Burlington-South Burlington, VT~ 83 100.0 90.6 14.7 90.6

Charleston, WV~ 113 100.0 65.2 9.3 66.0

Charlotte-Concord-Gastonia, NC-SC~ 1,065 100.0 70.3 14.5 72.7

Chicago-Naperville-Elgin, IL-IN-WI 3,978 100.0 76.2 8.3 76.5

Cincinnati, OH-KY-IN~ 727 100.0 69.3 13.5 70.4

Cleveland-Elyria, OH 839 100.0 82.8 10.5 82.8

Columbus, OH~ 943 100.0 74.8 15.4 75.9

Dallas-Fort Worth-Arlington, TX~ 2,929 100.0 68.5 8.4 69.4

Denver-Aurora-Lakewood, CO 1,342 100.0 85.6 9.3 86.2

Detroit-Warren-Dearborn, MI 1,822 100.0 68.0 10.7 69.7

Fargo, ND-MN 80 100.0 78.7 14.7 79.5

Hartford-West Hartford-East Hartford, CT~ 593 100.0 66.8 8.3 68.0

Houston-The Woodlands-Sugar Land, TX~ 2,474 100.0 64.6 9.1 64.8

Indianapolis-Carmel-Anderson, IN~ 961 100.0 74.4 8.4 75.1

Jackson, MS~ 241 100.0 57.9 5.2 58.5

Kansas City, MO-KS~ 785 100.0 76.0 9.4 76.3

Las Vegas-Henderson-Paradise, NV 1,031 100.0 72.6 8.7 73.9

Little Rock-North Little Rock-Conway, AR 347 100.0 64.3 7.4 65.2

Los Angeles-Long Beach-Anaheim, CA 4,661 100.0 74.2 7.6 74.7

Louisville/Jefferson County, KY-IN~ 587 100.0 61.9 12.5 65.8

Manchester-Nashua, NH~ 158 100.0 83.9 7.3 83.9

Memphis, TN-MS-AR~ 608 100.0 46.5 3.5 46.5

Miami-Fort Lauderdale-West Palm Beach, FL 2,827 100.0 64.5 7.3 65.2

Milwaukee-Waukesha-West Allis, WI 665 100.0 79.6 14.2 80.8

Minneapolis-St. Paul-Bloomington, MN-WI~ 1,517 100.0 85.2 19.0 86.0

Nashville-Davidson-Murfreesboro-Franklin, TN~ 756 100.0 63.8 11.3 65.9
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 87

E.3 Specific Bank Credit Product Use by MSA, 2019 (continued)

For All Households, Row Percent

Geography

Number of 

Households 

(1000s)

Percent of 

Households

Credit Card 

(Percent)

Bank 

Personal 

Loan 

(Percent)

Memo: 

Bank Credit 

(Percent)

New Orleans-Metairie, LA~ 551 100.0 61.4 10.3 61.9

New York-Newark-Jersey City, NY-NJ-PA~ 7,751 100.0 71.6 7.4 71.9

Oklahoma City, OK 592 100.0 67.3 7.9 68.3

Omaha-Council Bluffs, NE-IA 417 100.0 76.7 12.3 79.0

Orlando-Kissimmee-Sanford, FL 1,042 100.0 72.4 6.3 73.1

Philadelphia-Camden-Wilmington, PA-NJ-DE-MD 2,381 100.0 79.2 12.9 79.8

Phoenix-Mesa-Scottsdale, AZ 2,031 100.0 74.8 10.3 76.3

Pittsburgh, PA 1,132 100.0 72.3 10.2 72.3

Portland-South Portland, ME~ 251 100.0 83.3 15.2 84.6

Portland-Vancouver-Hillsboro, OR-WA 1,058 100.0 81.3 13.3 82.0

Providence-Warwick, RI-MA~ 610 100.0 79.0 9.4 79.6

Riverside-San Bernardino-Ontario, CA 1,686 100.0 58.3 5.9 59.0

Sacramento-Roseville-Arden-Arcade, CA 908 100.0 86.0 7.9 86.5

St. Louis, MO-IL~ 1,356 100.0 78.4 16.4 79.5

Salt Lake City, UT~ 423 100.0 86.6 20.6 87.4

San Antonio-New Braunfels, TX 1,024 100.0 66.5 13.3 69.9

San Diego-Carlsbad, CA 1,243 100.0 71.8 8.5 71.8

San Francisco-Oakland-Hayward, CA 1,712 100.0 86.1 7.9 86.7

San Jose-Sunnyvale-Santa Clara, CA 761 100.0 87.0 16.0 88.6

Seattle-Tacoma-Bellevue, WA 1,661 100.0 80.7 11.7 81.3

Sioux Falls, SD 115 100.0 74.3 19.3 78.2

Tampa-St. Petersburg-Clearwater, FL 1,416 100.0 73.2 5.2 73.7

Tucson, AZ 444 100.0 71.7 10.3 72.7

Tulsa, OK 442 100.0 66.1 12.2 66.8

Urban Honolulu, HI 375 100.0 83.3 16.1 84.5

Virginia Beach-Norfolk-Newport News, VA-NC~ 715 100.0 80.3 7.9 80.3

Washington-Arlington-Alexandria, DC-VA-MDWV~ 2,608 100.0 86.0 12.7 86.2

Wichita, KS~ 292 100.0 62.7 10.5 64.6

Worcester, MA-CT~ 423 100.0 82.6 3.2 82.6

Bank credit includes Visa, MasterCard, American Express, or Discover credit cards (i.e., credit cards) and personal loans or lines of credit 

from a bank (i.e., bank personal loans). The tilde symbol indicates areas with geographic boundary changes between the 2013 and 2015 

surveys; see Appendix 1 (FDIC Technical Notes) for details.
88 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

E.4 Specific Nonbank Credit Product Use by Bank Account Ownership and Household 

Characteristics, 2019

For All Households, Row Percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Pawn 

Shop Loan 

(Percent)

Payday 

Loan 

(Percent)

Tax Refund 

Anticipation Loan 

(Percent)

RentTo-Own 

Service 

(Percent)

Auto Title 

Loan 

(Percent)

Memo: 

Nonbank 

Credit 

(Percent)

All 131,248 100.0 1.3 1.5 0.8 1.2 0.9 4.8

Bank Account Ownership

Unbanked 7,056 100.0 5.6 2.6 2.5 4.0 1.8 13.4

Banked 124,192 100.0 1.1 1.5 0.7 1.1 0.8 4.3

Family Income

Less Than $15,000 14,048 100.0 3.1 1.7 1.4 2.2 1.1 7.9

$15,000 to $30,000 18,848 100.0 2.0 2.1 1.1 1.9 1.0 6.7

$30,000 to $50,000 24,694 100.0 1.7 2.4 1.4 1.9 0.8 6.8

$50,000 to $75,000 23,857 100.0 1.1 1.5 0.9 1.2 1.0 4.7

At Least $75,000 49,801 100.0 0.4 0.8 0.3 0.4 0.7 2.3

Education

No High School Diploma 11,392 100.0 2.4 2.5 1.2 3.3 1.5 9.0

High School Diploma 32,659 100.0 1.7 1.9 1.1 1.5 1.0 6.0

Some College 37,165 100.0 1.6 1.8 1.0 1.5 0.9 5.6

College Degree 50,032 100.0 0.6 0.9 0.4 0.4 0.7 2.4

Age Group

15 to 24 Years 6,307 100.0 1.5 2.0 1.7 1.7 1.1 6.8

25 to 34 Years 21,412 100.0 1.8 2.0 1.3 1.7 1.1 6.9

35 to 44 Years 22,349 100.0 1.3 1.7 1.3 2.2 1.0 6.1

45 to 54 Years 22,334 100.0 1.6 1.8 0.8 1.2 1.2 5.5

55 to 64 Years 24,450 100.0 1.4 1.5 0.5 0.9 0.8 4.3

65 Years or More 34,397 100.0 0.7 0.8 0.3 0.4 0.5 2.2

Race/Ethnicity

Black 16,728 100.0 2.3 3.7 1.6 1.8 1.4 8.8

Hispanic 18,352 100.0 2.6 2.0 1.1 2.1 1.3 7.5

Asian 7,007 100.0 0.4 0.6 0.3 0.3 0.9 2.5

American Indian or Alaska 

Native 955 100.0 4.7 1.8 2.2 0.7 1.2 9.2

Native Hawaiian or Other 

Pacific Islander NA NA NA NA NA NA NA NA

White 86,152 100.0 0.8 1.1 0.6 1.0 0.7 3.6

Two or More Races 1,769 100.0 2.7 1.4 1.5 1.0 0.3 5.4

Disability Status

Disabled, Aged 25 to 64 10,668 100.0 3.9 3.2 1.1 3.6 1.3 10.6

Not Disabled, Aged 25 to 64 79,877 100.0 1.2 1.6 0.9 1.2 1.0 5.0

Not Applicable (Not Aged 

25 to 64) 40,704 100.0 0.8 1.0 0.5 0.6 0.6 2.9
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 89

E.4 Specific Nonbank Credit Product Use by Bank Account Ownership and Household 

Characteristics, 2019 (continued)

For All Households, Row Percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Pawn 

Shop Loan 

(Percent)

Payday 

Loan 

(Percent)

Tax Refund 

Anticipation Loan 

(Percent)

RentTo-Own 

Service 

(Percent)

Auto Title 

Loan 

(Percent)

Memo: 

Nonbank 

Credit 

(Percent)

Monthly Income Volatility

Income Was About the 

Same Each Month 101,916 100.0 1.0 1.3 0.6 1.0 0.7 4.1

Income Varied Somewhat 

From Month to Month 23,980 100.0 1.7 2.2 1.6 1.8 1.4 7.1

Income Varied a Lot From 

Month to Month 5,353 100.0 4.4 2.7 1.2 1.6 1.6 8.8

Employment Status

Employed 81,542 100.0 1.0 1.6 1.0 1.2 1.0 4.9

Unemployed 2,887 100.0 5.2 1.3 0.6 1.5 1.1 8.4

Not in Labor Force 46,820 100.0 1.5 1.4 0.5 1.3 0.7 4.5

Homeownership

Homeowner 84,688 100.0 0.8 0.9 0.4 0.6 0.7 3.0

Non-Homeowner 46,561 100.0 2.2 2.6 1.5 2.3 1.1 8.1

Household Type

Married Couple 60,971 100.0 0.9 1.0 0.6 0.9 0.8 3.6

Unmarried FemaleHeaded Family 15,233 100.0 2.5 3.0 1.9 2.8 1.2 9.2

Unmarried Male-Headed 

Family 6,602 100.0 2.1 2.1 1.6 2.0 1.5 7.5

Female Individual 24,990 100.0 1.0 1.6 0.7 0.9 0.7 4.2

Male Individual 23,178 100.0 1.6 1.7 0.5 1.0 1.0 5.0

Other NA NA NA NA NA NA NA NA

Citizenship and Place 

of Birth

U.S.-Born 111,679 100.0 1.3 1.5 0.8 1.2 0.9 4.9

Foreign-Born Citizen 11,242 100.0 1.2 1.4 0.6 0.6 0.9 3.5

Foreign-Born Noncitizen 8,327 100.0 1.7 1.6 1.1 1.6 1.1 6.1

Metropolitan Status

Metropolitan Area - 

Principal City 38,371 100.0 1.7 1.7 0.7 0.9 0.9 4.9

Metropolitan Area - Balance 57,182 100.0 1.0 1.5 0.7 0.9 0.8 4.1

Not in Metropolitan Area 17,112 100.0 1.3 1.6 1.1 2.2 1.3 6.3

Not Identified 18,583 100.0 1.6 1.3 1.2 1.7 0.9 5.6

Geographic Region

Northeast 22,622 100.0 0.5 0.6 0.4 0.8 0.6 2.6

Midwest 28,297 100.0 1.1 1.7 0.8 1.3 0.9 5.0

South 50,328 100.0 1.9 2.0 1.1 1.6 1.1 6.3

West 30,000 100.0 1.2 1.3 0.6 0.8 0.8 3.9

Nonbank credit includes pawn shop loans, payday loans, tax refund anticipation loans, rent-to-own services, and auto title loans. 

NA indicates that the sample size is too small to produce a precise estimate.
90 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

E.5 Specific Nonbank Credit Product Use by State, 2019

For All Households, Row Percent

Geography

Number of 

Households 

(1000s)

Percent of 

Households

Pawn 

Shop Loan 

(Percent)

Payday 

Loan 

(Percent)

Tax Refund 

Anticipation Loan 

(Percent)

RentTo-Own 

Service 

(Percent)

Auto Title 

Loan 

(Percent)

Memo: 

Nonbank 

Credit 

(Percent)

All 131,248 100.0 1.3 1.5 0.8 1.2 0.9 4.8

State

AL 2,062 100.0 2.3 2.6 0.8 1.6 1.9 7.3

AK 277 100.0 2.1 1.0 0.8 0.6 1.8 5.8

AZ 2,900 100.0 1.6 0.4 1.0 0.6 1.5 3.9

AR 1,201 100.0 2.9 0.7 2.3 3.4 0.9 9.3

CA 14,325 100.0 0.7 0.9 0.5 0.7 0.4 2.8

CO 2,449 100.0 0.8 0.3 0.4 – 0.4 2.0

CT 1,524 100.0 0.3 0.6 0.5 – 1.3 2.7

DE 440 100.0 0.6 0.8 1.6 1.0 1.4 4.6

DC 363 100.0 0.8 0.2 0.2 1.2 0.4 2.5

FL 9,139 100.0 1.9 3.6 1.4 1.5 0.8 7.4

GA 4,144 100.0 1.5 1.1 0.9 0.8 0.8 4.8

HI 502 100.0 0.2 0.6 1.5 0.3 0.7 3.3

ID 702 100.0 0.3 1.1 0.5 1.4 1.7 4.7

IL 5,364 100.0 1.5 1.7 1.3 1.6 1.1 5.4

IN 2,765 100.0 1.3 1.7 1.0 1.9 1.0 6.0

IA 1,320 100.0 0.7 1.2 0.2 0.9 0.9 3.6

KS 1,141 100.0 1.3 1.8 0.9 1.6 0.2 4.8

KY 1,838 100.0 2.9 1.7 0.5 1.9 2.0 6.9

LA 1,945 100.0 2.1 2.6 0.8 1.6 1.2 7.1

ME 604 100.0 0.7 0.3 0.9 2.1 0.3 4.2

MD 2,379 100.0 2.2 1.1 0.8 0.3 0.2 4.6

MA 2,809 100.0 0.3 0.8 0.8 0.8 2.0 4.0

MI 4,220 100.0 0.8 2.4 1.3 1.1 0.5 5.6

MN 2,407 100.0 1.3 1.7 0.5 – 0.8 4.1

MS 1,199 100.0 1.5 2.8 2.4 2.1 1.5 8.0

MO 2,516 100.0 0.8 1.9 0.4 1.8 0.5 4.8

MT 460 100.0 2.9 0.2 0.1 1.1 0.9 4.0

NE 742 100.0 2.3 1.9 0.3 1.2 1.2 5.4

NV 1,350 100.0 3.9 5.7 1.1 1.1 2.3 10.7

NH 545 100.0 – 0.2 – 1.0 1.2 2.4

NJ 3,317 100.0 0.3 0.6 0.3 0.6 0.1 1.9

NM 829 100.0 2.8 2.0 1.8 3.0 2.6 9.4

NY 7,879 100.0 0.4 0.7 0.7 0.6 0.5 2.2

NC 4,369 100.0 1.8 0.9 1.3 2.1 0.5 5.1

ND 308 100.0 1.5 1.3 0.9 1.8 2.9 7.2
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 91

E.5 Specific Nonbank Credit Product Use by State, 2019 (continued)

For All Households, Row Percent

Geography

Number of 

Households 

(1000s)

Percent of 

Households

Pawn 

Shop Loan 

(Percent)

Payday 

Loan 

(Percent)

Tax Refund 

Anticipation Loan 

(Percent)

RentTo-Own 

Service 

(Percent)

Auto Title 

Loan 

(Percent)

Memo: 

Nonbank 

Credit 

(Percent)

OH 4,653 100.0 0.9 1.7 0.5 1.7 1.7 5.5

OK 1,612 100.0 3.2 2.3 2.2 1.7 1.3 9.5

OR 1,825 100.0 1.9 2.7 0.7 1.2 0.7 5.6

PA 5,245 100.0 0.8 0.4 – 1.2 0.3 2.6

RI 441 100.0 0.3 1.0 0.6 1.1 0.5 2.7

SC 2,081 100.0 1.7 1.0 1.0 1.9 1.2 5.6

SD 354 100.0 2.1 0.2 2.2 2.3 1.4 6.6

TN 2,781 100.0 1.0 1.8 1.7 2.1 1.3 5.8

TX 10,395 100.0 2.4 1.8 0.9 1.8 1.1 6.5

UT 1,098 100.0 2.3 1.6 0.3 1.3 1.1 5.2

VT 259 100.0 0.6 0.7 – 1.0 0.9 3.0

VA 3,619 100.0 – 2.4 0.5 0.5 1.2 4.0

WA 3,043 100.0 0.6 1.9 0.1 0.8 0.3 3.7

WV 761 100.0 1.7 0.4 1.4 2.3 2.7 8.4

WI 2,508 100.0 0.4 0.9 0.2 0.3 – 1.8

WY 241 100.0 1.9 2.8 1.5 1.9 0.7 6.7

Nonbank credit includes pawn shop loans, payday loans, tax refund anticipation loans, rent-to-own services, and auto title loans. The 

dash symbol indicates an estimate of zero; the population proportion may be slightly greater than zero.
92 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

E.6 Specific Nonbank Credit Product Use by MSA, 2019

For All Households, Row Percent

Geography

Number of 

Households 

(1000s)

Percent of 

Households

Pawn 

Shop Loan 

(Percent)

Payday 

Loan 

(Percent)

Tax Refund 

Anticipation Loan 

(Percent)

RentTo-Own 

Service 

(Percent)

Auto Title 

Loan 

(Percent)

Memo: 

Nonbank 

Credit 

(Percent)

All 131,248 100.0 1.3 1.5 0.8 1.2 0.9 4.8

MSA

Albuquerque, NM 398 100.0 0.3 1.0 1.1 2.3 1.9 5.1

Atlanta-Sandy SpringsRoswell, GA~ 2,420 100.0 1.9 1.8 0.6 0.3 0.9 5.3

Austin-Round Rock, TX 719 100.0 – 0.8 0.8 – 1.9 3.5

Baltimore-ColumbiaTowson, MD 1,024 100.0 2.4 0.7 0.7 0.7 0.5 5.1

Baton Rouge, LA 359 100.0 1.6 0.9 1.6 – 0.5 3.7

Birmingham-Hoover, AL 453 100.0 2.2 2.7 1.3 – – 4.8

Boise City, ID 278 100.0 0.4 1.3 – 0.4 1.7 3.8

Boston-CambridgeNewton, MA-NH~ 1,987 100.0 – 0.8 0.4 0.3 1.0 2.1

Burlington-South 

Burlington, VT~ 83 100.0 – 1.4 – 0.6 0.8 2.1

Charleston, WV~ 113 100.0 2.6 0.8 – 1.7 0.9 6.0

Charlotte-ConcordGastonia, NC-SC~ 1,065 100.0 0.7 0.7 – – 1.5 2.2

Chicago-Naperville-Elgin, 

IL-IN-WI 3,978 100.0 1.4 1.1 1.3 0.8 1.2 4.3

Cincinnati, OH-KY-IN~ 727 100.0 0.6 0.8 0.6 1.1 1.7 3.9

Cleveland-Elyria, OH 839 100.0 1.8 2.7 0.5 3.2 1.2 7.5

Columbus, OH~ 943 100.0 0.5 2.4 1.0 1.0 0.8 4.7

Dallas-Fort WorthArlington, TX~ 2,929 100.0 2.8 1.9 1.3 1.5 1.0 6.6

Denver-Aurora-Lakewood, 

CO 1,342 100.0 0.4 0.6 – – 0.7 1.7

Detroit-Warren-Dearborn, 

MI 1,822 100.0 1.2 3.2 1.6 – 0.9 6.5

Fargo, ND-MN 80 100.0 0.8 2.6 – 4.3 3.0 9.9

Hartford-West HartfordEast Hartford, CT~ 593 100.0 – – 0.5 – 0.7 1.3

Houston-The WoodlandsSugar Land, TX~ 2,474 100.0 2.6 1.9 0.2 1.2 0.9 5.6

Indianapolis-CarmelAnderson, IN~ 961 100.0 1.3 1.5 – 0.7 1.7 5.1

Jackson, MS~ 241 100.0 0.8 0.8 1.1 1.2 – 3.8

Kansas City, MO-KS~ 785 100.0 1.0 1.7 0.5 1.6 0.7 4.9

Las Vegas-HendersonParadise, NV 1,031 100.0 3.9 6.2 1.3 0.7 2.4 10.9

Little Rock-North Little 

Rock-Conway, AR 347 100.0 3.1 1.3 1.9 6.3 0.8 12.0
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 93

E.6 Specific Nonbank Credit Product Use by MSA, 2019 (continued)

For All Households, Row Percent

Geography

Number of 

Households 

(1000s)

Percent of 

Households

Pawn 

Shop Loan 

(Percent)

Payday 

Loan 

(Percent)

Tax Refund 

Anticipation Loan 

(Percent)

RentTo-Own 

Service 

(Percent)

Auto Title 

Loan 

(Percent)

Memo: 

Nonbank 

Credit 

(Percent)

Los Angeles-Long BeachAnaheim, CA 4,661 100.0 0.8 0.9 0.3 1.0 0.4 3.1

Louisville/Jefferson 

County, KY-IN~ 587 100.0 2.5 2.6 2.5 3.9 – 7.2

Manchester-Nashua, NH~ 158 100.0 – – – 1.7 2.3 4.0

Memphis, TN-MS-AR~ 608 100.0 – 0.5 0.8 0.8 – 1.6

Miami-Fort LauderdaleWest Palm Beach, FL 2,827 100.0 1.7 3.6 1.0 1.0 0.4 6.8

Milwaukee-WaukeshaWest Allis, WI 665 100.0 – – – – – –

Minneapolis-St. PaulBloomington, MN-WI~ 1,517 100.0 2.1 2.4 – – 0.3 4.8

Nashville-DavidsonMurfreesboro-Franklin, 

TN~ 756 100.0 1.0 1.1 – 1.8 0.7 4.6

New Orleans-Metairie, LA~ 551 100.0 – 1.0 0.9 1.3 1.0 3.3

New York-Newark-Jersey 

City, NY-NJ-PA~ 7,751 100.0 0.5 0.6 0.1 0.3 0.3 1.5

Oklahoma City, OK 592 100.0 2.3 2.3 2.0 2.4 1.4 8.5

Omaha-Council Bluffs, 

NE-IA 417 100.0 3.2 2.9 0.5 1.5 0.3 6.1

Orlando-KissimmeeSanford, FL 1,042 100.0 3.7 2.5 0.8 1.8 – 7.7

Philadelphia-CamdenWilmington, PA-NJ-DEMD 2,381 100.0 0.7 0.5 0.4 0.8 0.3 2.7

Phoenix-Mesa-Scottsdale, 

AZ 2,031 100.0 1.0 0.2 0.3 0.5 1.0 2.8

Pittsburgh, PA 1,132 100.0 0.6 – – 1.6 – 2.1

Portland-South Portland, 

ME~ 251 100.0 1.6 – – 2.3 – 3.9

Portland-VancouverHillsboro, OR-WA 1,058 100.0 1.1 4.0 0.8 0.5 1.1 5.6

Providence-Warwick, 

RI-MA~ 610 100.0 1.5 0.7 1.0 1.4 0.8 4.4

Riverside-San BernardinoOntario, CA 1,686 100.0 1.1 1.1 0.6 0.3 0.3 3.2

Sacramento-RosevilleArden-Arcade, CA 908 100.0 1.3 2.3 1.3 – – 2.3

St. Louis, MO-IL~ 1,356 100.0 – 1.7 0.9 1.2 0.4 3.3

Salt Lake City, UT~ 423 100.0 1.2 3.1 – 0.4 0.5 4.0

San Antonio-New 

Braunfels, TX 1,024 100.0 4.2 1.7 – 2.2 1.3 7.1

San Diego-Carlsbad, CA 1,243 100.0 – – – 0.5 – 0.5
94 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

E.6 Specific Nonbank Credit Product Use by MSA, 2019 (continued)

For All Households, Row Percent

Geography

Number of 

Households 

(1000s)

Percent of 

Households

Pawn 

Shop Loan 

(Percent)

Payday 

Loan 

(Percent)

Tax Refund 

Anticipation Loan 

(Percent)

RentTo-Own 

Service 

(Percent)

Auto Title 

Loan 

(Percent)

Memo: 

Nonbank 

Credit 

(Percent)

San Francisco-OaklandHayward, CA 1,712 100.0 0.7 – 0.3 – – 1.0

San Jose-Sunnyvale-Santa 

Clara, CA 761 100.0 1.0 – – – 2.7 3.7

Seattle-Tacoma-Bellevue, 

WA 1,661 100.0 0.5 0.8 0.2 – 0.3 1.8

Sioux Falls, SD 115 100.0 – – 2.1 1.8 1.5 3.6

Tampa-St. PetersburgClearwater, FL 1,416 100.0 0.8 1.5 – 2.4 – 4.0

Tucson, AZ 444 100.0 2.7 0.9 – 1.0 2.9 5.1

Tulsa, OK 442 100.0 2.8 2.8 2.6 0.6 1.9 10.7

Urban Honolulu, HI 375 100.0 0.2 0.6 2.0 0.4 0.7 3.9

Virginia Beach-NorfolkNewport News, VA-NC~ 715 100.0 – 1.6 – 0.6 2.5 4.6

Washington-ArlingtonAlexandria, DC-VA-MDWV~ 2,608 100.0 0.9 1.5 0.7 0.2 0.3 3.4

Wichita, KS~ 292 100.0 – 2.4 – – – 2.4

Worcester, MA-CT~ 423 100.0 – 1.7 – 2.4 8.4 10.8

Nonbank credit includes pawn shop loans, payday loans, tax refund anticipation loans, rent-to-own services, and auto title loans. The 

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

Notes) for details. The dash symbol indicates an estimate of zero; the population proportion may be slightly greater than zero.
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 95

E.7 Ownership of Visa, MasterCard, American Express, or Discover Credit Cards by Bank Account 

Ownership and Household Characteristics, 2015–2019

For All Households

Characteristics 2015 

(Percent)

2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

All 66.5 68.7 71.3 (70.7, 71.9) 2.6* (1.7, 3.4)

Bank Account Ownership

Unbanked 6.5 7.2 8.0 (6.8, 9.4) 0.8 (-1.0, 2.7)

Banked 70.8 72.8 74.9 (74.3, 75.5) 2.1* (1.3, 2.9)

Family Income

Less Than $15,000 30.8 31.3 35.6 (34.2, 37.1) 4.3* (2.1, 6.5)

$15,000 to $30,000 48.8 48.6 50.4 (48.8, 52.0) 1.8 (-0.3, 3.9)

$30,000 to $50,000 63.6 64.1 65.3 (64.0, 66.5) 1.1 (-0.6, 2.9)

$50,000 to $75,000 75.9 77.0 77.7 (76.5, 78.7) 0.6 (-1.0, 2.2)

At Least $75,000 87.9 88.8 89.2 (88.7, 89.8) 0.4 (-0.5, 1.3)

Education

No High School Diploma 33.1 33.3 35.5 (33.9, 37.1) 2.2 (-0.3, 4.7)

High School Diploma 55.4 57.7 60.3 (59.2, 61.4) 2.6* (1.1, 4.1)

Some College 67.1 68.4 71.1 (70.1, 72.1) 2.7* (1.3, 4.0)

College Degree 85.0 86.0 86.8 (86.2, 87.5) 0.8 (-0.1, 1.8)

Age Group

15 to 24 Years 51.2 56.1 58.9 (56.5, 61.3) 2.8 (-0.6, 6.2)

25 to 34 Years 62.9 67.9 70.7 (69.4, 71.9) 2.7* (1.0, 4.5)

35 to 44 Years 65.9 69.1 72.1 (71.0, 73.2) 3.0* (1.3, 4.6)

45 to 54 Years 67.5 69.3 73.0 (71.8, 74.2) 3.7* (1.8, 5.7)

55 to 64 Years 69.3 69.6 72.4 (71.1, 73.6) 2.8* (1.1, 4.4)

65 Years or More 69.7 70.6 71.6 (70.7, 72.6) 1.0 (-0.2, 2.3)

Race/Ethnicity

Black 42.6 47.4 51.0 (49.1, 52.8) 3.6* (1.0, 6.1)

Hispanic 48.3 53.9 57.6 (55.9, 59.2) 3.7* (1.2, 6.1)

Asian 78.7 80.7 82.9 (81.1, 84.6) 2.2 (-0.7, 5.2)

American Indian or Alaska Native 40.1 41.2 52.1 (45.9, 58.1) 10.9* (2.2, 19.6)

Native Hawaiian or Other Pacific 

Islander NA NA NA NA NA NA

White 73.9 75.3 77.5 (76.9, 78.1) 2.3* (1.4, 3.1)

Two or More Races 61.0 61.6 68.0 (63.6, 72.0) 6.4* (0.5, 12.3)

Disability Status

Disabled, Aged 25 to 64 40.1 43.1 47.5 (45.6, 49.3) 4.3* (1.8, 6.9)

Not Disabled, Aged 25 to 64 70.4 72.7 75.3 (74.7, 76.0) 2.6* (1.6, 3.6)

Not Applicable (Not Aged 25 to 64) 66.4 68.1 69.7 (68.7, 70.6) 1.6* (0.3, 2.8)
96 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

E.7 Ownership of Visa, MasterCard, American Express, or Discover Credit Cards by Bank Account 

Ownership and Household Characteristics, 2015–2019 (continued)

For All Households

Characteristics 2015 

(Percent)

2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

Monthly Income Volatility

Income Was About the Same Each 

Month 67.5 69.2 71.9 (71.2, 72.6) 2.7* (1.7, 3.6)

Income Varied Somewhat From 

Month to Month 64.5 68.2 70.0 (68.8, 71.2) 1.8* (0.1, 3.5)

Income Varied a Lot From Month to 

Month 58.8 62.8 66.4 (63.6, 69.0) 3.6 (0.0, 7.2)

Employment Status

Employed 71.3 73.4 76.2 (75.5, 76.9) 2.8* (1.8, 3.8)

Unemployed 44.9 51.6 58.7 (55.1, 62.3) 7.1* (2.1, 12.1)

Not in Labor Force 60.1 61.9 63.6 (62.7, 64.5) 1.7* (0.4, 3.0)

Homeownership

Homeowner 76.7 78.1 80.1 (79.4, 80.7) 2.0* (1.1, 2.8)

Non-Homeowner 48.5 52.2 55.4 (54.4, 56.4) 3.3* (1.8, 4.7)

Household Type

Married Couple 76.4 78.6 80.8 (80.1, 81.4) 2.2* (1.1, 3.2)

Unmarried Female-Headed Family 48.4 51.7 56.2 (54.5, 57.8) 4.5* (2.2, 6.7)

Unmarried Male-Headed Family 53.9 57.0 62.5 (60.1, 64.8) 5.5* (2.0, 9.1)

Female Individual 62.3 63.7 67.1 (65.9, 68.3) 3.4* (1.7, 5.1)

Male Individual 60.6 61.6 63.7 (62.3, 65.0) 2.1* (0.3, 4.0)

Other NA NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 67.7 69.8 72.4 (71.8, 73.0) 2.6* (1.8, 3.4)

Foreign-Born Citizen 69.1 70.2 70.0 (68.1, 71.9) -0.1 (-2.8, 2.6)

Foreign-Born Noncitizen 48.2 53.3 58.9 (56.8, 60.9) 5.5* (2.5, 8.6)

Metropolitan Status

Metropolitan Area - Principal City 63.0 65.9 68.5 (67.4, 69.7) 2.6* (1.0, 4.2)

Metropolitan Area - Balance 72.2 74.7 76.3 (75.5, 77.2) 1.7* (0.5, 2.8)

Not in Metropolitan Area 56.3 59.3 62.2 (60.4, 64.0) 2.9* (0.9, 4.9)

Not Identified 66.4 66.0 70.1 (68.4, 71.7) 4.0* (1.6, 6.4)

Geographic Region

Northeast 71.5 73.2 75.3 (74.1, 76.5) 2.1* (0.4, 3.7)

Midwest 70.2 70.8 73.9 (72.6, 75.1) 3.1* (1.3, 4.8)

South 59.1 62.7 65.9 (64.8, 67.0) 3.2* (1.8, 4.5)

West 71.5 73.4 75.0 (73.8, 76.2) 1.6 (0.0, 3.2)

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

produce a precise estimate.
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 97

E.8 Applied for Credit Card or Bank Personal Loan by Bank Account Ownership and Household 

Characteristics, 2015–2019

For All Households

Characteristics 2015 

(Percent)

2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

All 13.9 14.1 15.1 (14.7, 15.5) 0.9* (0.4, 1.5)

Bank Account Ownership

Unbanked 2.5 3.0 2.8 (2.1, 3.6) -0.2 (-1.3, 0.9)

Banked 14.7 14.9 15.8 (15.4, 16.2) 0.9* (0.4, 1.5)

Family Income

Less Than $15,000 6.0 6.5 6.7 (5.9, 7.6) 0.2 (-1.0, 1.3)

$15,000 to $30,000 9.3 8.4 8.8 (8.1, 9.6) 0.5 (-0.6, 1.5)

$30,000 to $50,000 12.1 11.6 13.1 (12.2, 14.1) 1.5* (0.3, 2.7)

$50,000 to $75,000 15.9 15.2 16.0 (15.2, 16.8) 0.8 (-0.4, 2.0)

At Least $75,000 19.8 20.2 20.4 (19.7, 21.1) 0.2 (-0.8, 1.1)

Education

No High School Diploma 5.5 5.4 7.6 (6.7, 8.7) 2.2* (1.0, 3.5)

High School Diploma 10.3 10.2 11.5 (10.9, 12.2) 1.3* (0.3, 2.3)

Some College 15.5 14.5 15.5 (14.8, 16.3) 1.0 (0.0, 2.0)

College Degree 17.9 18.9 18.8 (18.2, 19.5) -0.1 (-1.1, 0.8)

Age Group

15 to 24 Years 16.6 19.0 20.7 (18.5, 23.0) 1.7 (-1.1, 4.5)

25 to 34 Years 17.8 19.9 20.3 (19.2, 21.4) 0.3 (-1.1, 1.8)

35 to 44 Years 16.9 16.9 16.7 (15.7, 17.7) -0.2 (-1.6, 1.1)

45 to 54 Years 15.8 16.1 17.6 (16.6, 18.6) 1.6* (0.1, 3.0)

55 to 64 Years 12.7 12.4 14.4 (13.6, 15.3) 2.0* (0.9, 3.1)

65 Years or More 7.9 7.4 8.7 (8.2, 9.2) 1.3* (0.5, 2.0)

Race/Ethnicity

Black 9.3 9.8 11.0 (10.0, 12.1) 1.2 (-0.2, 2.7)

Hispanic 11.6 12.3 14.4 (13.2, 15.7) 2.1* (0.4, 3.8)

Asian 17.5 20.2 17.1 (15.4, 18.9) -3.1* (-5.8, -0.4)

American Indian or Alaska Native 9.9 10.6 15.7 (11.8, 20.7) 5.2 (-0.1, 10.5)

Native Hawaiian or Other Pacific 

Islander NA NA NA NA NA NA

White 14.9 14.8 15.8 (15.3, 16.3) 1.0* (0.3, 1.6)

Two or More Races 17.3 17.7 17.9 (14.5, 21.9) 0.1 (-5.4, 5.7)

Disability Status

Disabled, Aged 25 to 64 11.3 11.3 13.1 (11.9, 14.3) 1.8* (0.2, 3.3)

Not Disabled, Aged 25 to 64 16.4 16.9 17.7 (17.1, 18.3) 0.8* (0.1, 1.6)

Not Applicable (Not Aged 25 to 64) 9.4 9.4 10.5 (10.0, 11.1) 1.1* (0.3, 1.9)
98 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

E.8 Applied for Credit Card or Bank Personal Loan by Bank Account Ownership and Household 

Characteristics, 2015–2019 (continued)

For All Households

Characteristics 2015 

(Percent)

2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

Monthly Income Volatility

Income Was About the Same Each 

Month 13.0 13.1 14.2 (13.8, 14.7) 1.2* (0.6, 1.7)

Income Varied Somewhat From 

Month to Month 16.3 18.0 17.9 (16.9, 19.0) -0.1 (-1.4, 1.2)

Income Varied a Lot From Month to 

Month 19.2 17.9 18.6 (16.7, 20.8) 0.8 (-2.1, 3.6)

Employment Status

Employed 17.1 17.6 18.5 (17.9, 19.1) 0.9* (0.1, 1.6)

Unemployed 11.9 15.6 15.1 (12.7, 17.8) -0.5 (-4.2, 3.2)

Not in Labor Force 8.6 8.0 9.2 (8.7, 9.7) 1.2* (0.6, 1.9)

Homeownership

Homeowner 14.5 14.7 15.4 (14.9, 16.0) 0.8* (0.1, 1.5)

Non-Homeowner 12.9 13.2 14.4 (13.8, 15.2) 1.2* (0.3, 2.1)

Household Type

Married Couple 15.9 15.8 17.0 (16.5, 17.5) 1.2* (0.4, 2.0)

Unmarried Female-Headed Family 12.4 13.2 14.2 (13.1, 15.3) 1.0 (-0.5, 2.4)

Unmarried Male-Headed Family 12.4 14.8 16.3 (14.4, 18.3) 1.5 (-1.3, 4.3)

Female Individual 10.7 11.0 11.9 (11.2, 12.7) 0.9 (-0.1, 1.9)

Male Individual 13.2 13.4 13.8 (12.8, 14.8) 0.4 (-1.0, 1.8)

Other NA NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 14.1 14.0 15.1 (14.7, 15.5) 1.1* (0.5, 1.7)

Foreign-Born Citizen 13.4 15.1 14.0 (12.7, 15.5) -1.1 (-3.2, 1.1)

Foreign-Born Noncitizen 11.8 15.0 16.5 (14.9, 18.1) 1.5 (-0.7, 3.6)

Metropolitan Status

Metropolitan Area - Principal City 14.4 14.9 14.7 (13.9, 15.5) -0.3 (-1.4, 0.9)

Metropolitan Area - Balance 14.8 15.3 16.7 (16.1, 17.3) 1.4* (0.4, 2.3)

Not in Metropolitan Area 10.8 9.8 11.5 (10.5, 12.7) 1.8* (0.7, 2.9)

Not Identified 13.5 13.2 14.3 (13.2, 15.5) 1.1 (-0.5, 2.6)

Geographic Region

Northeast 14.6 14.9 15.6 (14.7, 16.7) 0.8 (-0.6, 2.1)

Midwest 14.3 14.8 15.7 (14.8, 16.5) 0.9 (-0.3, 2.1)

South 12.4 12.2 14.2 (13.5, 14.9) 2.0* (1.0, 2.9)

West 15.6 16.2 15.6 (14.8, 16.5) -0.6 (-1.8, 0.7)

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

produce a precise estimate.
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 99

E.9 Did Not Apply for Credit Card or Bank Personal Loan Because of Concerns About Being Turned 

Down by Bank Account Ownership and Household Characteristics, 2015–2019

For All Households

Characteristics 2015 

(Percent)

2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

All 6.1 5.6 6.3 (6.1, 6.6) 0.7* (0.4, 1.1)

Bank Account Ownership

Unbanked 10.7 8.5 9.9 (8.4, 11.6) 1.4 (-0.5, 3.3)

Banked 5.8 5.4 6.1 (5.9, 6.4) 0.7* (0.4, 1.1)

Family Income

Less Than $15,000 9.5 8.5 8.8 (7.9, 9.7) 0.2 (-1.1, 1.6)

$15,000 to $30,000 8.7 7.3 8.5 (7.7, 9.3) 1.2* (0.1, 2.3)

$30,000 to $50,000 6.4 7.0 8.1 (7.3, 9.0) 1.1 (0.0, 2.1)

$50,000 to $75,000 5.6 5.4 6.8 (6.1, 7.5) 1.4* (0.6, 2.3)

At Least $75,000 3.3 3.1 3.7 (3.4, 4.1) 0.6* (0.1, 1.1)

Education

No High School Diploma 7.0 6.2 6.8 (5.9, 7.9) 0.6 (-0.7, 1.9)

High School Diploma 7.3 5.7 7.0 (6.5, 7.5) 1.3* (0.6, 2.0)

Some College 7.1 7.3 8.4 (7.8, 9.0) 1.1* (0.3, 2.0)

College Degree 4.0 4.0 4.2 (3.9, 4.6) 0.2 (-0.2, 0.7)

Age Group

15 to 24 Years 10.2 9.8 9.8 (8.3, 11.6) 0.0 (-2.3, 2.3)

25 to 34 Years 9.3 9.2 9.4 (8.6, 10.3) 0.2 (-1.0, 1.4)

35 to 44 Years 7.3 7.3 7.5 (6.9, 8.3) 0.2 (-0.8, 1.2)

45 to 54 Years 6.9 6.2 7.2 (6.6, 7.8) 1.0* (0.2, 1.8)

55 to 64 Years 4.9 4.1 5.9 (5.4, 6.5) 1.8* (1.1, 2.4)

65 Years or More 2.4 1.9 2.7 (2.4, 3.1) 0.8* (0.4, 1.3)

Race/Ethnicity

Black 10.5 10.1 10.9 (9.8, 12.0) 0.8 (-0.7, 2.2)

Hispanic 8.9 7.3 8.8 (8.0, 9.8) 1.6* (0.3, 2.8)

Asian 4.3 3.8 3.8 (2.9, 4.8) -0.1 (-1.4, 1.3)

American Indian or Alaska Native 9.2 7.8 10.3 (7.2, 14.7) 2.6 (-2.1, 7.2)

Native Hawaiian or Other Pacific 

Islander NA NA NA NA NA NA

White 4.7 4.5 4.9 (4.6, 5.2) 0.4* (0.1, 0.8)

Two or More Races 9.1 7.8 14.1 (10.9, 18.0) 6.2* (1.9, 10.6)

Disability Status

Disabled, Aged 25 to 64 11.3 9.0 11.8 (10.6, 13.1) 2.8* (1.3, 4.4)

Not Disabled, Aged 25 to 64 6.4 6.3 6.9 (6.5, 7.2) 0.6* (0.2, 1.1)

Not Applicable (Not Aged 25 to 64) 3.8 3.3 3.8 (3.4, 4.2) 0.6* (0.0, 1.1)
100 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

E.9 Did Not Apply for Credit Card or Bank Personal Loan Because of Concerns About Being Turned 

Down by Bank Account Ownership and Household Characteristics, 2015–2019 (continued)

For All Households

Characteristics 2015 

(Percent)

2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

Monthly Income Volatility

Income Was About the Same Each 

Month 4.8 4.6 4.9 (4.6, 5.1) 0.2 (-0.1, 0.6)

Income Varied Somewhat From 

Month to Month 9.1 8.5 10.7 (9.9, 11.5) 2.2* (1.1, 3.2)

Income Varied a Lot From Month to 

Month 15.4 11.4 14.6 (12.7, 16.6) 3.2* (0.7, 5.7)

Employment Status

Employed 6.6 6.4 6.9 (6.6, 7.3) 0.6* (0.1, 1.0)

Unemployed 13.2 13.6 13.8 (11.5, 16.4) 0.2 (-3.5, 3.9)

Not in Labor Force 4.7 3.6 4.8 (4.4, 5.2) 1.2* (0.7, 1.7)

Homeownership

Homeowner 3.7 3.5 3.9 (3.6, 4.2) 0.3 (0.0, 0.7)

Non-Homeowner 10.3 9.2 10.8 (10.2, 11.4) 1.6* (0.8, 2.4)

Household Type

Married Couple 4.4 4.2 4.4 (4.1, 4.8) 0.3 (-0.2, 0.7)

Unmarried Female-Headed Family 11.6 9.8 11.8 (10.9, 12.8) 2.0* (0.6, 3.4)

Unmarried Male-Headed Family 9.6 8.4 10.4 (8.9, 12.0) 2.0 (-0.2, 4.1)

Female Individual 5.7 5.6 6.5 (5.9, 7.1) 0.9 (0.0, 1.8)

Male Individual 6.2 5.8 6.3 (5.7, 7.0) 0.5 (-0.3, 1.4)

Other NA NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 6.0 5.6 6.3 (6.0, 6.5) 0.6* (0.2, 1.0)

Foreign-Born Citizen 5.5 4.9 6.1 (5.2, 7.3) 1.3 (-0.1, 2.6)

Foreign-Born Noncitizen 7.3 6.1 7.6 (6.5, 8.9) 1.5 (0.0, 3.1)

Metropolitan Status

Metropolitan Area - Principal City 7.6 6.6 7.0 (6.4, 7.6) 0.4 (-0.4, 1.2)

Metropolitan Area - Balance 5.6 5.1 6.3 (5.9, 6.8) 1.2* (0.7, 1.8)

Not in Metropolitan Area 4.9 4.4 5.3 (4.7, 5.9) 0.9* (0.0, 1.7)

Not Identified 5.8 6.2 5.9 (5.3, 6.7) -0.3 (-1.4, 0.8)

Geographic Region

Northeast 5.9 5.4 6.2 (5.5, 6.9) 0.8 (-0.3, 1.9)

Midwest 5.4 5.2 6.0 (5.5, 6.6) 0.9* (0.2, 1.6)

South 6.0 5.7 6.7 (6.2, 7.1) 1.0* (0.3, 1.6)

West 7.0 6.0 6.2 (5.6, 6.8) 0.1 (-0.6, 0.9)

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

produce a precise estimate.
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 101

E.10 Denied or Not Given as Much Credit as Requested, Among Households That Had Applied for 

Credit Card or Bank Personal Loan, by Bank Account Ownership and Household Characteristics, 

2015–2019

For Households That Had Applied for a Credit Card or Bank Personal Loan in the Past 12 Months

Characteristics 2015 

(Percent)

2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

All 20.0 19.5 17.1 (16.0, 18.2) -2.4* (-4.0, -0.8)

Bank Account Ownership

Unbanked NA NA NA NA NA NA

Banked 19.5 19.0 16.7 (15.6, 17.8) -2.3* (-3.9, -0.7)

Family Income

Less Than $15,000 42.0 36.7 32.0 (26.0, 38.8) -4.6 (-14.2, 4.9)

$15,000 to $30,000 35.3 36.7 34.3 (29.3, 39.6) -2.4 (-10.1, 5.3)

$30,000 to $50,000 25.9 26.3 21.7 (19.0, 24.6) -4.6* (-9.1, -0.2)

$50,000 to $75,000 20.4 18.8 17.3 (15.1, 19.8) -1.5 (-5.0, 1.9)

At Least $75,000 10.8 12.4 11.3 (10.2, 12.5) -1.1 (-2.7, 0.5)

Education

No High School Diploma 35.4 28.3 29.3 (24.0, 35.3) 1.0 (-7.4, 9.5)

High School Diploma 25.9 20.5 21.2 (18.5, 24.1) 0.7 (-3.4, 4.7)

Some College 23.6 26.2 22.0 (20.0, 24.2) -4.3* (-7.5, -1.0)

College Degree 13.2 14.2 11.2 (9.9, 12.7) -3.0* (-4.9, -1.0)

Age Group

15 to 24 Years 32.3 28.8 20.2 (15.7, 25.7) -8.6* (-16.5, -0.6)

25 to 34 Years 24.2 20.8 20.4 (18.0, 23.1) -0.3 (-4.2, 3.5)

35 to 44 Years 21.9 20.5 16.4 (14.3, 18.8) -4.1* (-7.4, -0.8)

45 to 54 Years 18.3 22.0 17.5 (15.2, 20.1) -4.5* (-7.8, -1.1)

55 to 64 Years 17.0 17.2 15.0 (12.7, 17.5) -2.3 (-5.8, 1.2)

65 Years or More 11.4 9.3 13.4 (11.3, 15.8) 4.1* (0.7, 7.4)

Race/Ethnicity

Black 28.9 36.2 26.1 (22.3, 30.4) -10.1* (-16.9, -3.3)

Hispanic 29.8 27.9 22.7 (19.4, 26.3) -5.2 (-10.6, 0.1)

Asian 17.0 13.3 16.1 (11.8, 21.6) 2.8 (-3.5, 9.1)

American Indian or Alaska Native NA NA NA NA NA NA

Native Hawaiian or Other Pacific 

Islander NA NA NA NA NA NA

White 17.5 16.3 14.7 (13.6, 16.0) -1.5 (-3.2, 0.2)

Two or More Races NA NA NA NA NA NA

Disability Status

Disabled, Aged 25 to 64 32.7 32.8 28.6 (24.0, 33.6) -4.3 (-10.9, 2.4)

Not Disabled, Aged 25 to 64 19.3 19.1 16.4 (15.1, 17.7) -2.7* (-4.5, -0.9)

Not Applicable (Not Aged 25 to 64) 17.9 16.1 15.5 (13.4, 17.8) -0.6 (-3.9, 2.6)
102 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

E.10 Denied or Not Given as Much Credit as Requested, Among Households That Had Applied for 

Credit Card or Bank Personal Loan, by Bank Account Ownership and Household Characteristics, 

2015–2019 (continued)

For Households That Had Applied for a Credit Card or Bank Personal Loan in the Past 12 Months

Characteristics 2015 

(Percent)

2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

Monthly Income Volatility

Income Was About the Same Each 

Month 17.1 17.7 15.6 (14.4, 16.9) -2.1* (-3.9, -0.3)

Income Varied Somewhat From 

Month to Month 25.1 22.6 19.5 (17.3, 22.0) -3.0 (-6.3, 0.2)

Income Varied a Lot From Month to 

Month 34.5 30.6 27.2 (21.6, 33.5) -3.5 (-11.8, 4.9)

Employment Status

Employed 18.9 19.0 16.4 (15.2, 17.7) -2.6* (-4.3, -0.8)

Unemployed 47.4 38.5 NA NA NA NA

Not in Labor Force 20.7 18.6 18.3 (16.1, 20.6) -0.3 (-3.6, 3.0)

Homeownership

Homeowner 13.7 13.6 12.5 (11.4, 13.7) -1.0 (-2.7, 0.6)

Non-Homeowner 32.5 31.0 25.8 (23.8, 28.0) -5.2* (-8.7, -1.7)

Household Type

Married Couple 15.7 15.4 13.8 (12.5, 15.2) -1.6 (-3.4, 0.3)

Unmarried Female-Headed Family 30.8 31.6 25.4 (21.8, 29.3) -6.2* (-12.1, -0.3)

Unmarried Male-Headed Family 28.4 26.9 19.1 (14.6, 24.6) -7.8 (-16.6, 1.1)

Female Individual 20.0 20.5 18.4 (15.6, 21.6) -2.1 (-6.4, 2.1)

Male Individual 24.7 21.6 20.0 (17.3, 23.0) -1.6 (-5.8, 2.6)

Other NA NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 19.5 18.9 16.0 (14.9, 17.1) -2.9* (-4.6, -1.2)

Foreign-Born Citizen 18.5 18.4 20.2 (16.0, 25.2) 1.8 (-4.3, 7.9)

Foreign-Born Noncitizen 29.5 27.7 26.7 (21.9, 32.0) -1.1 (-8.9, 6.8)

Metropolitan Status

Metropolitan Area - Principal City 22.1 22.4 18.0 (16.1, 20.1) -4.3* (-7.4, -1.3)

Metropolitan Area - Balance 17.6 17.5 17.1 (15.6, 18.8) -0.4 (-2.7, 2.0)

Not in Metropolitan Area 21.9 16.2 15.2 (12.7, 18.0) -1.1 (-5.3, 3.1)

Not Identified 21.8 21.9 16.2 (13.5, 19.3) -5.6* (-9.7, -1.6)

Geographic Region

Northeast 18.2 15.9 16.9 (14.5, 19.5) 1.0 (-2.4, 4.4)

Midwest 17.9 19.0 16.5 (14.6, 18.6) -2.5 (-5.4, 0.4)

South 21.5 21.1 17.6 (15.9, 19.5) -3.5* (-6.4, -0.6)

West 21.1 20.3 16.9 (14.9, 19.2) -3.4* (-6.4, -0.4)

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

produce a precise estimate.
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 103

E.11 Nonbank Credit Use by Bank Account Ownership and Household Characteristics, 

2015–2019

For All Households

Characteristics 2015 

(Percent)

2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

All 8.1 7.5 4.8 (4.6, 5.1) -2.6* (-3.0, -2.3)

Bank Account Ownership

Unbanked 18.5 14.2 13.4 (11.8, 15.1) -0.8 (-3.0, 1.4)

Banked 7.4 7.0 4.3 (4.1, 4.6) -2.7* (-3.1, -2.3)

Family Income

Less Than $15,000 13.1 10.3 7.9 (7.0, 9.0) -2.4* (-3.7, -1.1)

$15,000 to $30,000 11.0 10.1 6.7 (6.0, 7.5) -3.4* (-4.5, -2.3)

$30,000 to $50,000 10.2 9.3 6.8 (6.1, 7.5) -2.5* (-3.5, -1.6)

$50,000 to $75,000 7.0 7.4 4.7 (4.3, 5.2) -2.7* (-3.5, -1.9)

At Least $75,000 3.8 4.2 2.3 (2.1, 2.6) -1.9* (-2.4, -1.5)

Education

No High School Diploma 12.2 10.3 9.0 (8.0, 10.2) -1.3 (-2.9, 0.3)

High School Diploma 10.5 8.9 6.0 (5.5, 6.6) -2.8* (-3.6, -2.1)

Some College 9.3 9.1 5.6 (5.2, 6.1) -3.5* (-4.2, -2.7)

College Degree 4.1 4.4 2.4 (2.2, 2.7) -2.0* (-2.4, -1.5)

Age Group

15 to 24 Years 14.4 13.3 6.8 (5.6, 8.1) -6.6* (-8.6, -4.5)

25 to 34 Years 12.0 10.3 6.9 (6.2, 7.7) -3.4* (-4.5, -2.2)

35 to 44 Years 10.3 9.4 6.1 (5.5, 6.8) -3.3* (-4.2, -2.3)

45 to 54 Years 8.6 8.2 5.5 (4.9, 6.0) -2.7* (-3.6, -1.7)

55 to 64 Years 6.2 6.2 4.3 (3.9, 4.8) -1.9* (-2.7, -1.1)

65 Years or More 3.8 3.5 2.2 (2.0, 2.5) -1.3* (-1.7, -0.9)

Race/Ethnicity

Black 14.2 12.8 8.8 (8.0, 9.8) -4.0* (-5.4, -2.6)

Hispanic 10.8 9.2 7.5 (6.7, 8.3) -1.7* (-2.9, -0.5)

Asian 4.7 5.5 2.5 (1.8, 3.4) -3.0* (-4.7, -1.3)

American Indian or Alaska Native 19.2 15.7 9.2 (6.7, 12.6) -6.4* (-11.9, -0.9)

Native Hawaiian or Other Pacific 

Islander NA NA NA NA NA NA

White 6.5 6.1 3.6 (3.4, 3.8) -2.5* (-2.9, -2.0)

Two or More Races 13.6 12.4 5.4 (3.7, 7.6) -7.0* (-11.2, -2.8)

Disability Status

Disabled, Aged 25 to 64 15.6 13.1 10.6 (9.5, 11.8) -2.5* (-4.1, -0.9)

Not Disabled, Aged 25 to 64 8.2 7.7 5.0 (4.7, 5.3) -2.7* (-3.2, -2.3)

Not Applicable (Not Aged 25 to 64) 5.6 5.2 2.9 (2.6, 3.2) -2.3* (-2.8, -1.7)
104 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

E.11 Nonbank Credit Use by Bank Account Ownership and Household Characteristics, 

2015–2019 (continued)

For All Households

Characteristics 2015 

(Percent)

2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

Monthly Income Volatility

Income Was About the Same Each 

Month 6.9 6.7 4.1 (3.8, 4.3) -2.6* (-3.0, -2.2)

Income Varied Somewhat From 

Month to Month 11.5 9.9 7.1 (6.4, 7.8) -2.8* (-3.8, -1.7)

Income Varied a Lot From Month to 

Month 15.4 12.0 8.8 (7.4, 10.5) -3.2* (-5.3, -1.0)

Employment Status

Employed 8.3 8.1 4.9 (4.6, 5.2) -3.2* (-3.7, -2.7)

Unemployed 16.2 11.5 8.4 (6.5, 10.8) -3.2* (-6.1, -0.2)

Not in Labor Force 7.3 6.0 4.5 (4.1, 4.8) -1.6* (-2.1, -1.0)

Homeownership

Homeowner 5.3 5.1 3.0 (2.8, 3.2) -2.1* (-2.5, -1.8)

Non-Homeowner 13.1 11.6 8.1 (7.6, 8.6) -3.5* (-4.3, -2.6)

Household Type

Married Couple 6.4 6.0 3.6 (3.4, 3.9) -2.4* (-2.9, -2.0)

Unmarried Female-Headed Family 15.9 13.3 9.2 (8.4, 10.1) -4.1* (-5.5, -2.6)

Unmarried Male-Headed Family 10.5 10.6 7.5 (6.3, 9.0) -3.0* (-4.9, -1.2)

Female Individual 6.8 6.5 4.2 (3.7, 4.8) -2.3* (-3.1, -1.4)

Male Individual 7.9 7.6 5.0 (4.5, 5.5) -2.6* (-3.5, -1.7)

Other NA NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 8.3 7.5 4.9 (4.6, 5.1) -2.7* (-3.1, -2.3)

Foreign-Born Citizen 4.8 5.7 3.5 (2.8, 4.3) -2.2* (-3.3, -1.0)

Foreign-Born Noncitizen 9.2 8.5 6.1 (5.0, 7.5) -2.4* (-4.2, -0.6)

Metropolitan Status

Metropolitan Area - Principal City 8.7 8.0 4.9 (4.4, 5.4) -3.1* (-4.0, -2.3)

Metropolitan Area - Balance 6.5 6.3 4.1 (3.8, 4.4) -2.2* (-2.8, -1.7)

Not in Metropolitan Area 10.4 8.6 6.3 (5.6, 7.0) -2.3* (-3.3, -1.3)

Not Identified 9.5 8.6 5.6 (5.0, 6.4) -3.0* (-4.0, -2.0)

Geographic Region

Northeast 6.0 5.1 2.6 (2.2, 3.1) -2.5* (-3.3, -1.7)

Midwest 7.6 7.2 5.0 (4.4, 5.5) -2.2* (-3.0, -1.4)

South 9.6 9.0 6.3 (5.8, 6.8) -2.7* (-3.3, -2.0)

West 7.8 7.0 3.9 (3.5, 4.3) -3.1* (-3.9, -2.4)

Nonbank credit includes pawn shop loans, payday loans, tax refund anticipation loans, rent-to-own services, and auto title loans. 

The estimates of nonbank credit use in 2017 and 2015 reported here differ from those published in earlier reports due to a difference 

in how nonresponse is handled; see Appendix 1 (FDIC Technical Notes) for details. Asterisk indicates differences that are statistically 

significant at the 10 percent level. NA indicates that the sample size is too small to produce a precise estimate.
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 105

E.12 Bank Credit Demand Measures by State, 2019

For All Households, Row Percent

Geography

Number of 

Households 

(1000s)

Percent of 

Households

Applied for Credit 

Card or Bank 

Personal Loan 

(Percent)

Did Not Apply for Credit Card or 

Bank Personal Loan Because of 

Concerns About Being 

Turned Down 

(Percent)

All 131,248 100.0 15.1 6.3

State

AL 2,062 100.0 10.4 5.7

AK 277 100.0 17.2 9.1

AZ 2,900 100.0 18.2 8.8

AR 1,201 100.0 14.0 5.7

CA 14,325 100.0 14.4 5.6

CO 2,449 100.0 18.0 4.4

CT 1,524 100.0 15.2 4.7

DE 440 100.0 19.0 5.5

DC 363 100.0 18.0 4.9

FL 9,139 100.0 16.1 7.9

GA 4,144 100.0 13.7 7.6

HI 502 100.0 15.2 4.7

ID 702 100.0 10.6 3.9

IL 5,364 100.0 14.9 5.9

IN 2,765 100.0 16.2 6.2

IA 1,320 100.0 13.0 5.5

KS 1,141 100.0 8.2 2.7

KY 1,838 100.0 10.7 4.7

LA 1,945 100.0 10.3 6.8

ME 604 100.0 18.2 5.2

MD 2,379 100.0 23.5 7.5

MA 2,809 100.0 18.2 5.4

MI 4,220 100.0 16.8 7.1

MN 2,407 100.0 21.0 4.7

MS 1,199 100.0 8.6 6.2

MO 2,516 100.0 13.7 5.4

MT 460 100.0 11.7 4.7

NE 742 100.0 18.6 3.7

NV 1,350 100.0 14.7 9.0

NH 545 100.0 18.6 4.1

NJ 3,317 100.0 15.9 4.9

NM 829 100.0 7.9 5.2

NY 7,879 100.0 13.5 6.7

NC 4,369 100.0 13.8 5.6

ND 308 100.0 15.7 2.5

OH 4,653 100.0 16.5 7.7
106 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

E.12 Bank Credit Demand Measures by State, 2019 (continued)

For All Households, Row Percent

Geography

Number of 

Households 

(1000s)

Percent of 

Households

Applied for Credit 

Card or Bank 

Personal Loan 

(Percent)

Did Not Apply for Credit Card or 

Bank Personal Loan Because of 

Concerns About Being 

Turned Down 

(Percent)

OK 1,612 100.0 11.4 8.1

OR 1,825 100.0 20.5 9.9

PA 5,245 100.0 16.6 7.3

RI 441 100.0 14.8 4.4

SC 2,081 100.0 11.8 7.0

SD 354 100.0 19.1 8.1

TN 2,781 100.0 10.8 5.8

TX 10,395 100.0 13.4 6.8

UT 1,098 100.0 20.4 4.1

VT 259 100.0 18.8 7.3

VA 3,619 100.0 19.0 5.0

WA 3,043 100.0 17.0 6.0

WV 761 100.0 13.0 5.5

WI 2,508 100.0 13.5 5.8

WY 241 100.0 13.1 5.7

E.13 Bank Credit Demand Measures by MSA, 2019

For All Households, Row Percent

Geography

Number of 

Households 

(1000s)

Percent of 

Households

Applied for Credit 

Card or Bank 

Personal Loan 

(Percent)

Did Not Apply for Credit Card or 

Bank Personal Loan Because of 

Concerns About Being 

Turned Down 

(Percent)

All 131,248 100.0 15.1 6.3

MSA

Albuquerque, NM 398 100.0 9.7 3.7

Atlanta-Sandy Springs-Roswell, GA~ 2,420 100.0 16.0 8.7

Austin-Round Rock, TX 719 100.0 17.9 6.1

Baltimore-Columbia-Towson, MD 1,024 100.0 26.7 8.5

Baton Rouge, LA 359 100.0 10.9 8.9

Birmingham-Hoover, AL 453 100.0 6.5 3.4

Boise City, ID 278 100.0 10.8 4.5

Boston-Cambridge-Newton, MA-NH~ 1,987 100.0 21.1 5.2

Burlington-South Burlington, VT~ 83 100.0 24.3 8.4

Charleston, WV~ 113 100.0 24.7 6.7
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 107

E.13 Bank Credit Demand Measures by MSA, 2019 (continued)

For All Households, Row Percent

Geography

Number of 

Households 

(1000s)

Percent of 

Households

Applied for Credit 

Card or Bank 

Personal Loan 

(Percent)

Did Not Apply for Credit Card or 

Bank Personal Loan Because of 

Concerns About Being 

Turned Down 

(Percent)

Charlotte-Concord-Gastonia, NC-SC~ 1,065 100.0 18.3 8.0

Chicago-Naperville-Elgin, IL-IN-WI 3,978 100.0 14.2 4.9

Cincinnati, OH-KY-IN~ 727 100.0 18.3 7.5

Cleveland-Elyria, OH 839 100.0 22.1 11.6

Columbus, OH~ 943 100.0 20.7 9.1

Dallas-Fort Worth-Arlington, TX~ 2,929 100.0 11.4 6.9

Denver-Aurora-Lakewood, CO 1,342 100.0 15.3 6.2

Detroit-Warren-Dearborn, MI 1,822 100.0 16.6 8.2

Fargo, ND-MN 80 100.0 23.5 3.0

Hartford-West Hartford-East Hartford, 

CT~ 593 100.0 12.3 4.6

Houston-The Woodlands-Sugar Land, 

TX~ 2,474 100.0 13.0 7.8

Indianapolis-Carmel-Anderson, IN~ 961 100.0 14.8 4.4

Jackson, MS~ 241 100.0 8.2 2.9

Kansas City, MO-KS~ 785 100.0 12.9 4.7

Las Vegas-Henderson-Paradise, NV 1,031 100.0 16.1 10.6

Little Rock-North Little Rock-Conway, 

AR 347 100.0 11.8 2.9

Los Angeles-Long Beach-Anaheim, CA 4,661 100.0 15.1 6.4

Louisville/Jefferson County, KY-IN~ 587 100.0 11.8 6.1

Manchester-Nashua, NH~ 158 100.0 22.5 1.7

Memphis, TN-MS-AR~ 608 100.0 7.0 4.8

Miami-Fort Lauderdale-West Palm 

Beach, FL 2,827 100.0 17.1 10.6

Milwaukee-Waukesha-West Allis, WI 665 100.0 15.6 6.5

Minneapolis-St. Paul-Bloomington, 

MN-WI~ 1,517 100.0 21.2 5.3

Nashville-Davidson-MurfreesboroFranklin, TN~ 756 100.0 11.6 7.0

New Orleans-Metairie, LA~ 551 100.0 9.5 5.7

New York-Newark-Jersey City, NY-NJPA~ 7,751 100.0 13.3 5.8

Oklahoma City, OK 592 100.0 14.0 10.7

Omaha-Council Bluffs, NE-IA 417 100.0 20.8 4.0

Orlando-Kissimmee-Sanford, FL 1,042 100.0 19.0 10.8

Philadelphia-Camden-Wilmington, 

PA-NJ-DE-MD 2,381 100.0 21.0 7.1

Phoenix-Mesa-Scottsdale, AZ 2,031 100.0 18.2 9.0

Pittsburgh, PA 1,132 100.0 16.7 8.9
108 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

E.13 Bank Credit Demand Measures by MSA, 2019 (continued)

For All Households, Row Percent

Geography

Number of 

Households 

(1000s)

Percent of 

Households

Applied for Credit 

Card or Bank 

Personal Loan 

(Percent)

Did Not Apply for Credit Card or 

Bank Personal Loan Because of 

Concerns About Being 

Turned Down 

(Percent)

Portland-South Portland, ME~ 251 100.0 21.2 5.5

Portland-Vancouver-Hillsboro, OR-WA 1,058 100.0 21.2 11.3

Providence-Warwick, RI-MA~ 610 100.0 14.5 6.4

Riverside-San Bernardino-Ontario, CA 1,686 100.0 12.0 6.5

Sacramento-Roseville-Arden-Arcade, 

CA 908 100.0 9.9 4.0

St. Louis, MO-IL~ 1,356 100.0 17.6 8.3

Salt Lake City, UT~ 423 100.0 23.3 6.4

San Antonio-New Braunfels, TX 1,024 100.0 13.8 5.3

San Diego-Carlsbad, CA 1,243 100.0 12.5 1.7

San Francisco-Oakland-Hayward, CA 1,712 100.0 14.7 3.7

San Jose-Sunnyvale-Santa Clara, CA 761 100.0 24.5 6.7

Seattle-Tacoma-Bellevue, WA 1,661 100.0 18.4 4.3

Sioux Falls, SD 115 100.0 19.5 5.5

Tampa-St. Petersburg-Clearwater, FL 1,416 100.0 17.2 4.0

Tucson, AZ 444 100.0 21.4 10.7

Tulsa, OK 442 100.0 11.9 6.9

Urban Honolulu, HI 375 100.0 14.5 3.9

Virginia Beach-Norfolk-Newport 

News, VA-NC~ 715 100.0 18.5 9.5

Washington-Arlington-Alexandria, 

DC-VA-MD-WV~ 2,608 100.0 24.3 4.3

Wichita, KS~ 292 100.0 7.5 0.7

Worcester, MA-CT~ 423 100.0 14.3 4.9

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

Technical Notes) for details.
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 109

E.14 Rates of Saving for Unexpected Expenses or Emergencies by Bank Account Ownership and 

Household Characteristics, 2015–2019

For All Households

Characteristics 2015 

(Percent)

2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

All 56.3 57.8 64.2 (63.7, 64.7) 6.4* (5.7, 7.2)

Bank Account Ownership

Unbanked 20.2 17.4 26.0 (24.0, 28.0) 8.6* (5.8, 11.3)

Banked 58.9 60.4 66.4 (65.8, 66.9) 5.9* (5.2, 6.7)

Family Income

Less Than $15,000 30.8 28.9 35.6 (34.2, 37.0) 6.7* (4.8, 8.6)

$15,000 to $30,000 42.2 41.0 47.9 (46.6, 49.3) 7.0* (5.0, 8.9)

$30,000 to $50,000 53.2 54.7 60.0 (58.7, 61.3) 5.3* (3.7, 7.0)

$50,000 to $75,000 63.6 63.7 69.0 (67.8, 70.2) 5.3* (3.7, 7.0)

At Least $75,000 72.9 73.8 78.2 (77.4, 78.9) 4.3* (3.2, 5.5)

Education

No High School Diploma 30.1 31.7 37.5 (35.8, 39.2) 5.8* (3.4, 8.2)

High School Diploma 47.2 48.6 55.6 (54.5, 56.6) 7.0* (5.4, 8.6)

Some College 58.9 59.1 65.8 (64.8, 66.8) 6.7* (5.4, 8.1)

College Degree 69.4 70.0 74.7 (74.0, 75.4) 4.7* (3.6, 5.7)

Age Group

15 to 24 Years 55.7 60.1 65.4 (62.8, 67.9) 5.3* (1.8, 8.8)

25 to 34 Years 60.7 63.9 70.7 (69.5, 71.9) 6.8* (5.0, 8.7)

35 to 44 Years 58.8 61.2 67.4 (66.2, 68.6) 6.2* (4.4, 8.0)

45 to 54 Years 58.2 59.3 65.7 (64.6, 66.9) 6.4* (4.7, 8.1)

55 to 64 Years 56.4 56.8 63.8 (62.6, 64.9) 7.0* (5.4, 8.6)

65 Years or More 50.1 50.6 57.1 (56.1, 58.2) 6.6* (5.1, 8.0)

Race/Ethnicity

Black 45.5 45.1 53.2 (51.4, 54.9) 8.0* (5.7, 10.4)

Hispanic 42.3 48.2 54.3 (52.6, 56.0) 6.1* (3.8, 8.4)

Asian 52.2 54.5 62.8 (60.5, 65.1) 8.3* (5.0, 11.7)

American Indian or Alaska Native 47.9 46.8 48.1 (42.6, 53.7) 1.3 (-6.9, 9.5)

Native Hawaiian or Other Pacific 

Islander 58.6 53.6 NA NA NA NA

White 61.3 62.4 68.6 (68.0, 69.2) 6.3* (5.4, 7.1)

Two or More Races 63.9 61.6 69.6 (65.1, 73.7) 7.9* (1.1, 14.8)

Disability Status

Disabled, Aged 25 to 64 39.0 38.5 45.9 (44.2, 47.7) 7.4* (5.0, 9.9)

Not Disabled, Aged 25 to 64 61.3 63.2 69.6 (69.0, 70.2) 6.3* (5.5, 7.2)

Not Applicable (Not Aged 25 to 64) 51.1 52.2 58.4 (57.4, 59.4) 6.2* (4.8, 7.6)
110 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

E.14 Rates of Saving for Unexpected Expenses or Emergencies by Bank Account Ownership and 

Household Characteristics, 2015–2019 (continued)

For All Households

Characteristics 2015 

(Percent)

2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

Monthly Income Volatility

Income Was About the Same Each 

Month 56.3 56.9 63.6 (62.9, 64.2) 6.7* (5.8, 7.6)

Income Varied Somewhat From 

Month to Month 58.3 63.0 67.4 (66.1, 68.6) 4.3* (2.5, 6.2)

Income Varied a Lot From Month to 

Month 51.3 52.5 61.3 (58.6, 63.9) 8.7* (5.3, 12.2)

Employment Status

Employed 63.1 64.8 70.9 (70.3, 71.6) 6.1* (5.1, 7.1)

Unemployed 44.5 46.0 58.3 (54.9, 61.5) 12.2* (7.3, 17.2)

Not in Labor Force 45.6 46.3 52.8 (52.0, 53.7) 6.5* (5.3, 7.7)

Homeownership

Homeowner 61.5 63.3 69.4 (68.8, 70.0) 6.1* (5.2, 7.0)

Non-Homeowner 47.3 48.1 54.7 (53.8, 55.6) 6.6* (5.3, 7.9)

Household Type

Married Couple 63.1 64.6 70.7 (70.0, 71.4) 6.1* (5.1, 7.2)

Unmarried Female-Headed Family 46.2 47.0 54.7 (53.1, 56.2) 7.6* (5.4, 9.8)

Unmarried Male-Headed Family 50.6 53.6 58.8 (56.5, 61.1) 5.2* (2.0, 8.3)

Female Individual 51.1 51.9 58.8 (57.6, 59.9) 6.9* (5.2, 8.6)

Male Individual 52.1 53.7 60.8 (59.6, 62.1) 7.1* (5.2, 9.0)

Other NA NA NA NA NA NA

Citizenship and Place of Birth

U.S.-Born 58.4 59.7 66.0 (65.5, 66.6) 6.3* (5.5, 7.1)

Foreign-Born Citizen 47.9 48.6 55.1 (53.2, 56.9) 6.4* (3.4, 9.4)

Foreign-Born Noncitizen 39.9 42.9 52.1 (49.8, 54.5) 9.2* (6.0, 12.5)

Metropolitan Status

Metropolitan Area - Principal City 55.1 55.7 60.7 (59.6, 61.8) 5.0* (3.4, 6.6)

Metropolitan Area - Balance 58.4 60.5 67.1 (66.2, 67.9) 6.6* (5.5, 7.7)

Not in Metropolitan Area 52.5 52.5 60.9 (59.1, 62.8) 8.4* (5.9, 10.9)

Not Identified 56.5 59.0 65.5 (64.0, 67.0) 6.5* (4.2, 8.8)

Geographic Region

Northeast 56.2 55.8 64.4 (62.9, 65.8) 8.5* (6.8, 10.3)

Midwest 61.1 60.9 68.0 (66.9, 69.2) 7.1* (5.5, 8.7)

South 52.1 55.3 61.3 (60.3, 62.2) 5.9* (4.5, 7.3)

West 59.1 60.4 65.4 (64.2, 66.5) 5.0* (3.3, 6.7)

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

produce a precise estimate.
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 111

E.15 Rates of Saving for Unexpected Expenses or Emergencies by State, 2015–2019

For All Households

Geography 2015 

(Percent)

2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

All 56.3 57.8 64.2 (63.7, 64.7) 6.4* (5.7, 7.2)

State

AL 52.7 51.9 57.9 (54.2, 61.6) 6.0 (-0.4, 12.5)

AK 60.8 71.1 69.5 (64.2, 74.3) -1.6 (-7.6, 4.5)

AZ 64.3 62.3 68.5 (64.6, 72.2) 6.2* (0.2, 12.1)

AR 50.4 50.8 61.2 (57.0, 65.3) 10.4* (3.1, 17.7)

CA 54.0 55.7 60.9 (59.0, 62.9) 5.3* (2.3, 8.3)

CO 70.3 68.4 72.3 (67.5, 76.5) 3.9 (-2.7, 10.4)

CT 62.2 63.5 64.2 (58.5, 69.4) 0.7 (-6.4, 7.8)

DE 53.3 64.4 73.1 (69.3, 76.6) 8.7* (2.9, 14.5)

DC 53.2 67.0 66.3 (62.7, 69.7) -0.7 (-5.2, 3.9)

FL 42.7 51.3 59.6 (57.0, 62.2) 8.3* (4.6, 12.1)

GA 50.2 52.2 63.2 (60.1, 66.2) 11.0* (5.4, 16.6)

HI 59.0 58.8 61.6 (57.5, 65.5) 2.7 (-4.2, 9.7)

ID 52.6 57.4 60.3 (56.4, 64.1) 2.9 (-3.0, 8.8)

IL 64.0 59.9 64.2 (61.3, 67.1) 4.3 (-0.5, 9.2)

IN 59.6 62.1 70.9 (67.3, 74.4) 8.8* (3.8, 13.8)

IA 61.4 66.2 66.5 (61.9, 70.8) 0.3 (-4.9, 5.6)

KS 58.1 59.8 71.7 (67.9, 75.1) 11.8* (4.7, 19.0)

KY 56.2 50.7 62.2 (57.5, 66.7) 11.4* (6.0, 16.9)

LA 50.6 50.5 59.5 (56.3, 62.6) 8.9* (2.4, 15.4)

ME 68.7 60.0 72.0 (66.3, 77.0) 12.0* (6.9, 17.1)

MD 59.1 67.7 68.6 (64.4, 72.5) 0.9 (-5.5, 7.4)

MA 57.2 56.7 68.1 (64.7, 71.3) 11.3* (6.7, 16.0)

MI 56.3 57.5 66.5 (63.2, 69.6) 9.0* (4.0, 14.0)

MN 64.9 66.2 77.1 (72.9, 80.8) 10.9* (6.0, 15.8)

MS 50.6 46.9 57.3 (52.2, 62.2) 10.4* (5.5, 15.4)

MO 64.3 61.1 68.0 (63.9, 71.8) 6.9* (1.2, 12.6)

MT 69.3 68.5 69.1 (64.9, 73.1) 0.6 (-5.2, 6.4)

NE 55.6 68.8 65.9 (61.9, 69.7) -2.9 (-9.0, 3.2)

NV 54.8 58.9 62.3 (57.8, 66.6) 3.5 (-2.4, 9.3)

NH 60.3 58.1 73.4 (69.8, 76.7) 15.3* (10.4, 20.2)

NJ 53.2 54.2 62.1 (58.6, 65.5) 7.8* (3.0, 12.7)

NM 49.9 55.1 63.6 (57.7, 69.1) 8.5* (3.8, 13.2)

NY 51.8 51.4 58.8 (56.1, 61.5) 7.4* (3.7, 11.1)

NC 53.3 59.0 63.0 (59.9, 66.0) 3.9 (-2.0, 9.9)

ND 67.1 55.6 62.8 (59.0, 66.5) 7.2 (-2.6, 17.1)
112 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

E.15 Rates of Saving for Unexpected Expenses or Emergencies by State, 2015–2019 (continued)

For All Households

Geography 2015 

(Percent)

2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

OH 58.9 59.2 67.2 (63.4, 70.7) 8.0* (3.4, 12.6)

OK 52.7 60.0 63.7 (58.8, 68.4) 3.7 (-1.5, 8.9)

OR 65.7 69.4 74.6 (71.8, 77.3) 5.2* (0.8, 9.6)

PA 60.1 60.2 70.1 (67.3, 72.9) 9.9* (6.4, 13.5)

RI 59.0 55.1 65.2 (59.9, 70.2) 10.1* (3.1, 17.1)

SC 60.8 57.8 63.0 (59.2, 66.6) 5.2 (-0.6, 10.9)

SD 63.6 59.9 58.3 (54.0, 62.5) -1.6 (-7.5, 4.3)

TN 56.3 56.1 58.9 (55.4, 62.4) 2.8 (-1.5, 7.2)

TX 53.0 55.4 58.3 (55.6, 60.9) 2.9 (-0.8, 6.6)

UT 71.3 74.1 74.8 (69.8, 79.2) 0.7 (-4.2, 5.6)

VT 61.9 59.8 67.1 (62.6, 71.3) 7.2* (1.3, 13.2)

VA 59.4 65.5 67.0 (63.5, 70.4) 1.5 (-3.4, 6.3)

WA 65.9 66.3 71.3 (68.5, 73.9) 5.0* (1.1, 8.9)

WV 45.8 40.5 57.1 (53.8, 60.4) 16.7* (12.2, 21.2)

WI 63.2 61.4 70.5 (67.1, 73.7) 9.1* (4.8, 13.4)

WY 63.9 63.3 66.3 (56.5, 74.8) 3.0 (-5.0, 10.9)

Asterisk indicates differences that are statistically significant at the 10 percent level.
2019 FDIC Survey of Household Use of Banking and Financial Services | APPENDIX TABLES | 113

E.16 Rates of Saving for Unexpected Expenses or Emergencies by MSA, 2015–2019

For All Households

Geography 2015 

(Percent)

2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

All 56.3 57.8 64.2 (63.7, 64.7) 6.4* (5.7, 7.2)

MSA

Albuquerque, NM 57.5 61.0 70.9 (66.0, 75.4) 9.9* (2.8, 17.1)

Atlanta-Sandy Springs-Roswell, GA~ 52.4 57.1 66.7 (62.3, 70.7) 9.5* (2.9, 16.1)

Austin-Round Rock, TX 46.1 62.4 62.2 (55.1, 68.7) -0.2 (-9.7, 9.3)

Baltimore-Columbia-Towson, MD 66.0 70.4 69.2 (63.3, 74.6) -1.2 (-9.6, 7.3)

Baton Rouge, LA 62.6 59.2 62.7 (54.8, 70.0) 3.6 (-7.4, 14.6)

Birmingham-Hoover, AL 61.0 40.1 54.1 (46.7, 61.3) 14.0* (2.2, 25.8)

Boise City, ID 55.7 57.6 58.6 (52.2, 64.7) 1.0 (-8.5, 10.5)

Boston-Cambridge-Newton, MA-NH~ 60.4 58.8 70.1 (66.0, 73.9) 11.3* (5.6, 16.9)

Burlington-South Burlington, VT~ 65.2 NA 73.8 (65.8, 80.5) NA NA

Charleston, WV~ NA NA 68.2 (61.3, 74.4) NA NA

Charlotte-Concord-Gastonia, NC-SC~ 55.0 64.6 70.4 (64.2, 76.0) 5.8 (-2.4, 14.0)

Chicago-Naperville-Elgin, IL-IN-WI 63.8 59.8 63.9 (60.5, 67.1) 4.0 (-0.7, 8.8)

Cincinnati, OH-KY-IN~ 50.5 52.7 67.0 (60.5, 72.9) 14.2* (5.1, 23.4)

Cleveland-Elyria, OH 51.9 62.3 74.3 (67.8, 79.9) 12.0* (3.8, 20.2)

Columbus, OH~ 69.1 64.0 68.3 (60.9, 74.9) 4.3 (-5.9, 14.4)

Dallas-Fort Worth-Arlington, TX~ 63.0 59.5 57.1 (52.5, 61.6) -2.3 (-8.3, 3.6)

Denver-Aurora-Lakewood, CO 68.8 63.0 70.3 (63.3, 76.5) 7.4 (-1.4, 16.2)

Detroit-Warren-Dearborn, MI 64.3 56.1 63.6 (58.4, 68.6) 7.6 (-0.1, 15.2)

Fargo, ND-MN 72.6 60.6 65.5 (58.4, 72.0) 4.9 (-5.1, 15.0)

Hartford-West Hartford-East Hartford, 

CT~ 67.0 66.5 59.1 (49.8, 67.8) -7.4 (-18.7, 3.9)

Houston-The Woodlands-Sugar Land, 

TX~ 53.5 59.1 59.3 (54.1, 64.2) 0.1 (-7.1, 7.4)

Indianapolis-Carmel-Anderson, IN~ 56.6 63.0 71.6 (66.7, 76.2) 8.6* (1.0, 16.3)

Jackson, MS~ 58.9 42.3 60.5 (51.8, 68.6) 18.2* (8.9, 27.5)

Kansas City, MO-KS~ 57.8 73.6 74.2 (69.0, 78.8) 0.6 (-6.9, 8.1)

Las Vegas-Henderson-Paradise, NV 57.4 58.3 60.0 (54.7, 65.0) 1.6 (-5.0, 8.3)

Little Rock-North Little Rock-Conway, 

AR 52.3 59.1 65.6 (59.0, 71.6) 6.4 (-4.0, 16.9)

Los Angeles-Long Beach-Anaheim, CA 49.6 51.7 58.9 (55.9, 61.9) 7.2* (2.7, 11.6)

Louisville/Jefferson County, KY-IN~ 55.5 63.3 60.7 (52.6, 68.3) -2.5 (-13.5, 8.4)

Manchester-Nashua, NH~ 68.2 58.8 71.6 (64.6, 77.7) 12.7* (3.9, 21.6)

Memphis, TN-MS-AR~ 53.7 46.0 46.1 (37.9, 54.5) 0.1 (-12.4, 12.5)

Miami-Fort Lauderdale-West Palm 

Beach, FL 37.8 35.8 49.3 (44.1, 54.5) 13.5* (6.5, 20.5)

Milwaukee-Waukesha-West Allis, WI 61.3 64.3 67.8 (58.4, 75.9) 3.4 (-8.3, 15.1)
114 | APPENDIX TABLES | 2019 FDIC Survey of Household Use of Banking and Financial Services

E.16 Rates of Saving for Unexpected Expenses or Emergencies by MSA, 2015–2019 (continued)

For All Households

Geography 2015 

(Percent)

2017 

(Percent)

2019 

(Percent)

90% 

Confidence 

Interval, 

2019

Difference 

(2019–2017)

90% 

Confidence 

Interval, 

Difference

Minneapolis-St. Paul-Bloomington, 

MN-WI~ 68.1 66.8 78.6 (73.4, 83.0) 11.8* (5.3, 18.4)

Nashville-Davidson-MurfreesboroFranklin, TN~ 71.1 68.1 62.4 (55.2, 69.0) -5.7 (-15.7, 4.3)

New Orleans-Metairie, LA~ 43.8 49.6 60.5 (54.6, 66.1) 10.9* (2.0, 19.8)

New York-Newark-Jersey City, NY-NJPA~ 49.5 48.0 56.2 (53.7, 58.7) 8.2* (4.5, 11.9)

Oklahoma City, OK 51.7 70.4 71.3 (65.2, 76.8) 0.9 (-8.5, 10.3)

Omaha-Council Bluffs, NE-IA 63.2 71.2 71.9 (66.7, 76.6) 0.7 (-7.8, 9.1)

Orlando-Kissimmee-Sanford, FL 44.3 67.0 73.5 (67.3, 78.9) 6.5 (-2.3, 15.4)

Philadelphia-Camden-Wilmington, 

PA-NJ-DE-MD 57.7 62.9 71.3 (67.4, 75.0) 8.4* (3.3, 13.6)

Phoenix-Mesa-Scottsdale, AZ 64.7 68.1 71.5 (66.8, 75.8) 3.4 (-3.1, 9.9)

Pittsburgh, PA 64.0 62.4 70.8 (64.0, 76.8) 8.4* (0.3, 16.5)

Portland-South Portland, ME~ 69.2 67.3 79.2 (73.4, 84.0) 11.9* (2.9, 20.9)

Portland-Vancouver-Hillsboro, OR-WA 66.1 74.7 77.3 (73.1, 81.1) 2.6 (-3.2, 8.5)

Providence-Warwick, RI-MA~ 55.1 54.7 62.5 (57.0, 67.7) 7.8* (0.6, 15.0)

Riverside-San Bernardino-Ontario, CA 46.6 52.0 55.2 (49.9, 60.3) 3.2 (-4.5, 10.9)

Sacramento-Roseville-Arden-Arcade, 

CA 59.9 57.4 61.7 (53.7, 69.1) 4.3 (-6.2, 14.9)

St. Louis, MO-IL~ 68.8 54.8 69.7 (64.2, 74.7) 14.9* (7.4, 22.5)

Salt Lake City, UT~ 72.4 76.8 72.9 (66.1, 78.9) -3.9 (-11.9, 4.2)

San Antonio-New Braunfels, TX 52.3 54.1 63.7 (56.1, 70.7) 9.6 (-1.2, 20.5)

San Diego-Carlsbad, CA 52.2 60.5 59.2 (53.9, 64.4) -1.3 (-9.7, 7.0)

San Francisco-Oakland-Hayward, CA 55.0 59.4 64.9 (59.8, 69.6) 5.5 (-2.4, 13.4)

San Jose-Sunnyvale-Santa Clara, CA NA 68.0 68.1 (60.6, 74.7) 0.1 (-10.2, 10.3)

Seattle-Tacoma-Bellevue, WA 67.4 67.9 75.4 (71.0, 79.3) 7.5* (2.1, 13.0)

Sioux Falls, SD 71.1 64.0 56.7 (46.4, 66.4) -7.4 (-18.9, 4.1)

Tampa-St. Petersburg-Clearwater, FL 42.6 48.7 63.1 (57.7, 68.1) 14.3* (6.0, 22.6)

Tucson, AZ NA NA 62.8 (53.2, 71.6) NA NA

Tulsa, OK 64.8 66.4 66.4 (58.7, 73.4) 0.0 (-10.6, 10.7)

Urban Honolulu, HI 59.3 58.2 62.3 (57.4, 67.0) 4.1 (-4.1, 12.4)

Virginia Beach-Norfolk-Newport 

News, VA-NC~ 68.4 66.4 65.9 (59.2, 72.0) -0.5 (-9.7, 8.8)

Washington-Arlington-Alexandria, 

DC-VA-MD-WV~ 60.9 67.5 71.3 (67.6, 74.8) 3.8 (-2.4, 9.9)

Wichita, KS~ 53.5 57.5 80.2 (70.9, 87.1) 22.7* (11.6, 33.8)

Worcester, MA-CT~ NA 49.3 64.2 (54.2, 73.2) 14.9* (2.6, 27.2)

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

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

sample size is too small to produce a precise estimate.

FDIC-012-2020

Federal Deposit Insurance Corporation