2013 FDIC

National 

Survey of 

Unbanked 

and 

Underbanked 

Households

Appendices

October 2014

Federal Deposit 

Insurance Corporation
2013 FDIC National Survey of Unbanked and Underaned Household

Members of the FDIC Unbanked/Underbanked Survey Study Group

Authors:

Susan Burhouse, Karyen Chu, Ryan Goodstein, Joyce Northwood, Yazmin Osaki, Dhruv Sharma

Contributors: 

Keith Ernst, Alicia Lloro, Sherrie Rhine
2013 FDIC National Survey of Unbanked and Underaned Household

Appendix Table of Contents

Appendix A – Banking Status of U.S. Households: National Tables........................................................................................................5

Appendix B – Checking and Savings Account Ownership, and Automatic Transfers: National Tables................................. 31

Appendix C – Prepaid Debit Cards: National Tables.................................................................................................................................. 39

Appendix D – Alternative Financial Services: National Tables............................................................................................................... 57

Appendix E – Mobile Phone, Smartphone and Internet Access: National Tables.......................................................................... 95

Appendix F – Banking Methods: National Tables.....................................................................................................................................105

Appendix G – State Tables.................................................................................................................................................................................115

Appendix H – MSA Tables..................................................................................................................................................................................129

Appendix I – FDIC Technical Notes................................................................................................................................................................143

Appendix J – 2013 Revisions to the FDIC National Survey of Unbanked and Underbanked Households..........................149

Appendix K – 2013 Survey Instrument .........................................................................................................................................................153
2013 FDIC National Survey of Unbanked and Underbaked Househol
2013 FDIC National Survey of Unbanked and Underaned Household

Appendix A – Banking Status of U.S. 

Households: National Tables
2013 FDIC National Survey of Unbanked and Underaned Household

A-1a Banking Status By Household Characteristics, 2013

For all households, row percent

Characteristics

 Number of 

Households 

(1000s) 

Percent of 

Households

Unbanked 

(Percent)

Banked: 

Underbanked 

(Percent)

Banked: Fully 

Banked 

(Percent)

Banked: 

Underbanked 

Status 

Unknown 

(Percent)

All 123,750 100 7.7 20.0 67.0 5.3

Household Type

Married couple 59,102 100 3.4 17.7 73.9 5.0

Unmarried female-headed family 15,802 100 18.4 29.2 47.5 4.9

Unmarried male-headed family 6,327 100 13.2 28.3 53.7 4.8

Female individual 22,150 100 7.4 17.2 69.4 6.0

Male individual 20,240 100 10.7 20.0 63.7 5.7

Other 128 100 16.3 17.5 58.6 7.6

Race/Ethnicity

Black 16,801 100 20.5 33.1 40.0 6.3

Hispanic 14,948 100 17.9 28.5 48.4 5.1

Asian 5,882 100 2.2 17.9 73.4 6.6

American Indian/Alaskan 1,464 100 16.9 25.5 53.0 4.6

Hawaiian/Pacific Islander 314 100 6.1 25.1 64.5 4.2

White non-Black non-Hispanic 84,310 100 3.6 15.9 75.4 5.0

Other non-Black non-Hispanic NA NA NA NA NA NA

Spanish only language spoken

Spanish is not the only language 

spoken 121,097 100 7.1 19.9 67.6 5.3

Spanish is only language spoken 2,654 100 34.9 23.7 38.1 3.3

Nativity

U.S.-born 106,397 100 6.9 19.1 69.0 5.1

Foreign born citizen 9,252 100 4.7 24.0 64.6 6.7

Foreign born non citizen 8,102 100 22.7 28.0 43.9 5.4

Age Group

15 to 24 years 6,244 100 15.7 30.8 48.8 4.6

25 to 34 years 20,464 100 12.5 24.7 58.3 4.6

35 to 44 years 21,408 100 9.0 23.8 62.5 4.6

45 to 54 years 24,551 100 7.5 21.9 65.4 5.2

55 to 64 years 22,710 100 5.6 17.7 71.7 5.0

65 years or more 28,372 100 3.5 11.6 78.2 6.7

Disability Status

Disabled 10,841 100 18.4 28.1 49.0 4.5

Not Disabled 78,293 100 7.2 21.1 66.8 4.9

Not Applicable 34,616 100 5.7 15.1 72.9 6.3
2013 FDIC National Survey of Unbanked and Underaned Household

A-1a Banking Status By Household Characteristics, 2013

For all households, row percent

Characteristics

 Number of 

Households 

(1000s) 

Percent of 

Households

Unbanked 

(Percent)

Banked: 

Underbanked 

(Percent)

Banked: Fully 

Banked 

(Percent)

Banked: 

Underbanked 

Status 

Unknown 

(Percent)

Education

No high school degree 13,871 100 25.1 24.1 46.3 4.6

High school degree 33,684 100 10.8 21.9 61.7 5.6

Some college 36,007 100 5.6 23.0 66.2 5.2

College degree 40,188 100 1.1 14.3 79.3 5.3

Employment Status

Employed 75,587 100 5.4 21.7 67.8 5.0

Unemployed 5,436 100 23.0 25.3 47.8 3.8

Not in labor force 42,727 100 9.9 16.3 67.9 5.9

Family Income

Less than $15,000 19,044 100 27.7 22.4 45.2 4.7

Between $15,000 and $30,000 21,763 100 11.4 25.0 57.9 5.7

Between $30,000 and $50,000 24,496 100 5.1 23.3 65.7 5.9

Between $50,000 and $75,000 22,552 100 1.7 19.8 73.2 5.2

At Least $75,000 35,895 100 0.5 13.6 81.0 4.9

Homeownership

Homeowner 80,136 100 2.6 15.5 76.7 5.2

Non-homeowner 43,614 100 17.3 28.2 49.2 5.3

Geographic Region

Northeast 22,199 100 6.8 19.3 68.4 5.5

Midwest 27,315 100 6.4 16.9 71.4 5.2

South 46,738 100 9.2 23.5 62.1 5.2

West 27,498 100 7.4 17.6 69.6 5.3

Metropolitan Status

Metropolitan area - Principal City 34,510 100 11.4 22.3 60.8 5.5

Metropolitan area - Balance 51,229 100 5.5 17.8 71.1 5.6

Not in Metropolitan area 19,325 100 8.5 21.0 66.1 4.5

Not Identified 18,686 100 6.4 20.8 68.1 4.8

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Household

A-1b Household Characteristics By Banking Status, 2013

For all households, column percent

Characteristics All Unbanked

Banked: 

Underbanked

Banked: Fully 

Banked

Banked: 

Underbanked 

Status Unknown

Number of Households (1000s) 123,750 9,582 24,757 82,892 6,519 

Percent of Households 100 100 100 100 100 

Household Type (Percent)

Married couple 47.8 21.2 42.3 52.7 45.2

Unmarried female-headed family 12.8 30.3 18.7 9.1 12.0

Unmarried male-headed family 5.1 8.7 7.2 4.1 4.7

Female individual 17.9 17.1 15.4 18.6 20.5

Male individual 16.4 22.5 16.4 15.5 17.6

Other 0.1 0.2 0.1 0.1 0.1

Race/Ethnicity (Percent)

Black 13.6 36.0 22.5 8.1 16.3

Hispanic 12.1 28.0 17.2 8.7 11.7

Asian 4.8 1.3 4.2 5.2 5.9

American Indian/Alaskan 1.2 2.6 1.5 0.9 1.0

Hawaiian/Pacific Islander 0.3 0.2 0.3 0.2 0.2

White non-Black non-Hispanic 68.1 31.9 54.2 76.7 64.8

Other non-Black non-Hispanic - - - - -

Spanish only language spoken (Percent)

Spanish is not the only language spoken 97.9 90.3 97.5 98.8 98.6

Spanish is only language spoken 2.1 9.7 2.5 1.2 1.4

Nativity (Percent)

U.S.-born 86.0 76.2 81.9 88.5 83.7

Foreign born citizen 7.5 4.6 9.0 7.2 9.6

Foreign born non citizen 6.5 19.2 9.2 4.3 6.7

Age Group (Percent)

15 to 24 years 5.0 10.3 7.8 3.7 4.4

25 to 34 years 16.5 26.7 20.4 14.4 14.3

35 to 44 years 17.3 20.1 20.6 16.1 15.3

45 to 54 years 19.8 19.3 21.7 19.4 19.6

55 to 64 years 18.4 13.3 16.2 19.7 17.3

65 years or more 22.9 10.3 13.3 26.8 29.2

Disability Status (Percent)

Disabled 8.8 20.8 12.3 6.4 7.6

Not Disabled 63.3 58.6 66.7 63.1 58.8

Not Applicable 28.0 20.6 21.1 30.4 33.6
2013 FDIC National Survey of Unbanked and Underaned Household

A-1b Household Characteristics By Banking Status, 2013

For all households, column percent

Characteristics All Unbanked

Banked: 

Underbanked

Banked: Fully 

Banked

Banked: 

Underbanked 

Status Unknown

Education (Percent)

No high school degree 11.2 36.3 13.5 7.7 9.7

High school degree 27.2 38.1 29.8 25.1 28.9

Some college 29.1 20.9 33.5 28.8 28.7

College degree 32.5 4.8 23.2 38.4 32.7

Employment Status (Percent)

Employed 61.1 42.9 66.3 61.9 58.1

Unemployed 4.4 13.1 5.6 3.1 3.2

Not in labor force 34.5 44.0 28.2 35.0 38.7

Family Income (Percent)

Less than $15,000 15.4 55.1 17.2 10.4 13.9

Between $15,000 and $30,000 17.6 25.8 22.0 15.2 18.9

Between $30,000 and $50,000 19.8 13.0 23.0 19.4 22.1

Between $50,000 and $75,000 18.2 4.1 18.0 19.9 18.1

At Least $75,000 29.0 2.1 19.7 35.1 27.0

Homeownership (Percent)

Homeowner 64.8 21.3 50.3 74.1 64.3

Non-homeowner 35.2 78.7 49.7 25.9 35.7

Geographic Region (Percent)

Northeast 17.9 15.7 17.3 18.3 18.8

Midwest 22.1 18.2 18.7 23.5 22.0

South 37.8 44.8 44.4 35.0 36.9

West 22.2 21.3 19.6 23.1 22.3

Metropolitan Status (Percent)

Metropolitan area - Principal City 27.9 41.2 31.1 25.3 28.9

Metropolitan area - Balance 41.4 29.3 36.9 43.9 44.2

Not in Metropolitan area 15.6 17.1 16.4 15.4 13.2

Not Identified 15.1 12.4 15.7 15.4 13.7

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households

A-2 Unbanked Rates By Household Characteristics And Year, 2011-2013

For all households

Characteristics 2011 2013

Estimate Diff 

from 2011

Household Type

Married couple 3.7 3.4 -0.25

Unmarried female-headed family 19.1 18.4 -0.71

Unmarried male-headed family 14.3 13.2 -1.07

Female individual 7.8 7.4 -0.47

Male individual 11.4 10.7 -0.75

Other 10.9 16.3 5.46

Race/Ethnicity

Black 21.4 20.5 -0.85

Hispanic 20.1 17.9 -2.22*

Asian 2.7 2.2 -0.54

American Indian/Alaskan 14.5 16.9 2.41

Hawaiian/Pacific Islander 6.2 6.1 -0.13

White non-Black non-Hispanic 4.0 3.6 -0.34*

Other non-Black non-Hispanic - 2.8 2.80

Spanish only language spoken

Spanish is not the only language spoken 7.6 7.1 -0.45*

Spanish is only language spoken 36.9 34.9 -1.99

Nativity

U.S.-born 7.4 6.9 -0.5*

Foreign born citizen 5.4 4.7 -0.67

Foreign born non citizen 22.2 22.7 0.54

Age Group

15 to 24 years 17.4 15.7 -1.63

25 to 34 years 12.7 12.5 -0.21

35 to 44 years 9.3 9.0 -0.29

45 to 54 years 8.1 7.5 -0.58

55 to 64 years 5.5 5.6 0.15

65 years or more 3.9 3.5 -0.40

Disability Status

Disabled 18.9 18.4 -0.57

Not Disabled 7.4 7.2 -0.19

Not Applicable 6.5 5.7 -0.85*

Education

No high school degree 25.8 25.1 -0.73

High school degree 10.9 10.8 -0.09

Some college 5.9 5.6 -0.33

College degree 1.1 1.1 0.04
2013 FDIC National Survey of Unbanked and Underaned Households

A-2 Unbanked Rates By Household Characteristics And Year, 2011-2013

For all households

Characteristics 2011 2013

Estimate Diff 

from 2011

Employment Status

Employed 5.3 5.4 0.18

Unemployed 22.5 23.0 0.55

Not in labor force 11.0 9.9 -1.17*

Family Income

Less than $15,000 28.2 27.7 -0.49

Between $15,000 and $30,000 11.7 11.4 -0.34

Between $30,000 and $50,000 4.9 5.1 0.15

Between $50,000 and $75,000 2.0 1.7 -0.22

At Least $75,000 0.4 0.5 0.14

Homeownership

Homeowner 2.8 2.6 -0.28*

Non-homeowner 18.5 17.3 -1.22*

Geographic Region

Northeast 7.1 6.8 -0.30

Midwest 7.1 6.4 -0.75*

South 10.0 9.2 -0.81*

West 7.2 7.4 0.25

Metropolitan Status

Metropolitan area - Principal City 12.1 11.4 -0.65

Metropolitan area - Balance 5.6 5.5 -0.07

Not in Metropolitan area 9.2 8.5 -0.73

Not Identified 7.2 6.4 -0.80

* Indicates differences that are statistically significant at the 10% level.

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households

A-3 Household Characteristics By Year, 2009-2013

For all households, column percent

Characteristics 2009 2011 2013 

Number of Households (1000s) 119,003 120,408 123,750 

Percent of Households 100 100 100 

Household Type (Percent)

Married couple 49.9 47.8 47.8 

Unmarried female-headed family 11.7 12.9 12.8 

Unmarried male-headed family 4.6 4.7 5.1 

Female individual 17.8 18.0 17.9 

Male individual 15.9 16.4 16.4 

Other 0.1 0.1 0.1 

Race/Ethnicity (Percent)

Black 13.1 13.3 13.6 

Hispanic 11.1 11.4 12.1 

Asian 4.0 4.1 4.8 

American Indian/Alaskan 1.2 1.2 1.2 

Hawaiian/Pacific Islander 0.2 0.2 0.3 

White non-Black non-Hispanic 70.4 69.8 68.1 

Other non-Black non-Hispanic - - - 

Spanish only language spoken (Percent)

Spanish is not the only language spoken 97.9 98.0 97.9 

Spanish is only language spoken 2.1 2.0 2.1 

Nativity (Percent)

U.S.-born 86.6 86.5 86.0 

Foreign born citizen 6.6 7.0 7.5 

Foreign born non citizen 6.8 6.5 6.5 

Age Group (Percent)

15 to 24 years 5.5 5.2 5.0 

25 to 34 years 16.6 16.9 16.5 

35 to 44 years 19.0 17.8 17.3 

45 to 54 years 20.9 20.5 19.8 

55 to 64 years 17.0 18.3 18.4 

65 years or more 21.0 21.3 22.9 

Disability Status (Percent)

Disabled 8.5 9.1 8.8 

Not Disabled 65.0 64.4 63.3 

Not Applicable 26.5 26.5 28.0 
2013 FDIC National Survey of Unbanked and Underaned Households

A-3 Household Characteristics By Year, 2009-2013

For all households, column percent

Characteristics 2009 2011 2013 

Education (Percent)

No high school degree 12.6 11.9 11.2 

High school degree 29.1 28.6 27.2 

Some college 28.0 28.2 29.1 

College degree 30.3 31.2 32.5 

Employment Status (Percent)

Employed 61.5 60.3 61.1 

Unemployed 5.6 5.6 4.4 

Not in labor force 32.9 34.1 34.5 

Family Income (Percent)

Less than $15,000 16.2 15.4 

Between $15,000 and $30,000 18.3 17.6 

Between $30,000 and $50,000 20.6 19.8 

Between $50,000 and $75,000 18.3 18.2 

At Least $75,000 26.6 29.0 

Homeownership (Percent)

Homeowner 67.6 65.7 64.8 

Non-homeowner 32.4 34.3 35.2 

Geographic Region (Percent)

Northeast 18.2 18.1 17.9 

Midwest 22.4 22.3 22.1 

South 37.0 37.3 37.8 

West 22.4 22.3 22.2 

Metropolitan Status (Percent)

Metropolitan area - Principal City 28.1 27.9 27.9 

Metropolitan area - Balance 40.8 41.2 41.4 

Not in Metropolitan area 15.9 15.9 15.6 

Not Identified 15.2 15.0 15.1 

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly 

greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households

A-4 Previous Banking Status By Household Characteristics, 2013

For all unbanked households, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Had bank 

account 

within last 

year 

(Percent)

Had bank 

account 

more than 1 

yr ago 

(Percent)

Never had 

bank account 

(Percent)

Previously 

banked, 

recency 

unknown 

(Percent)

Unknown 

(Percent)

All 9,582 100 8.9 36.5 52.6 0.5 1.5

Household Type

Married couple 2,035 100 9.9 29.0 59.1 0.6 1.5

Unmarried female-headed family 2,902 100 10.0 36.9 51.5 0.3 1.4

Unmarried male-headed family 835 100 8.6 34.0 55.7 - 1.8

Female individual 1,634 100 8.9 43.7 45.3 0.6 1.5

Male individual 2,157 100 6.7 38.4 52.2 0.9 1.7

Other NA NA NA NA NA NA NA

Race/Ethnicity

Black 3,449 100 11.9 35.2 50.4 0.9 1.6

Hispanic 2,680 100 5.9 22.3 70.4 0.1 1.3

Asian 127 100 0.7 30.9 65.5 - 2.9

American Indian/Alaskan 248 100 10.3 46.7 41.5 - 1.5

Hawaiian/Pacific Islander NA NA NA NA NA NA NA

White non-Black non-Hispanic 3,058 100 8.5 49.8 39.8 0.5 1.5

Other non-Black non-Hispanic NA NA NA NA NA NA NA

Spanish only language spoken

Spanish is not the only language spoken 8,656 100 9.5 39.2 49.2 0.6 1.5

Spanish is only language spoken 926 100 3.2 11.1 84.0 - 1.7

Nativity

U.S.-born 7,303 100 10.0 42.6 45.1 0.7 1.6

Foreign born citizen 438 100 7.9 23.2 68.3 - 0.6

Foreign born non citizen 1,842 100 4.7 15.1 78.5 0.1 1.5

Age Group

15 to 24 years 982 100 11.0 22.1 66.0 - 1.0

25 to 34 years 2,555 100 11.2 35.3 51.5 0.7 1.2

35 to 44 years 1,931 100 9.2 38.6 51.3 0.5 0.5

45 to 54 years 1,851 100 8.2 39.3 49.4 0.7 2.5

55 to 64 years 1,272 100 5.2 43.3 48.8 0.6 2.2

65 years or more 991 100 6.6 35.5 55.5 0.2 2.2

Disability Status

Disabled 1,990 100 6.2 45.5 46.6 0.2 1.6

Not Disabled 5,620 100 9.9 35.9 51.9 0.8 1.5

Not Applicable 1,973 100 8.8 28.8 60.8 0.1 1.6
2013 FDIC National Survey of Unbanked and Underaned Households

A-4 Previous Banking Status By Household Characteristics, 2013

For all unbanked households, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Had bank 

account 

within last 

year 

(Percent)

Had bank 

account 

more than 1 

yr ago 

(Percent)

Never had 

bank account 

(Percent)

Previously 

banked, 

recency 

unknown 

(Percent)

Unknown 

(Percent)

Education

No high school degree 3,478 100 5.6 30.3 63.0 0.3 0.8

High school degree 3,648 100 8.3 37.8 51.6 0.7 1.6

Some college 1,999 100 16.0 43.7 38.1 0.2 2.0

College degree 457 100 7.5 40.4 45.1 2.5 4.4

Employment Status

Employed 4,111 100 9.5 35.0 53.8 0.6 1.2

Unemployed 1,253 100 16.4 41.2 39.9 0.8 1.7

Not in labor force 4,219 100 6.1 36.5 55.2 0.4 1.8

Family Income

Less than $15,000 5,277 100 7.7 37.3 53.7 0.4 0.9

Between $15,000 and $30,000 2,471 100 10.1 35.3 52.6 0.6 1.3

Between $30,000 and $50,000 1,244 100 10.0 37.2 49.9 0.9 2.0

Between $50,000 and $75,000 393 100 16.4 31.0 46.0 1.1 5.6

At Least $75,000 197 100 4.2 33.6 54.0 - 8.3

Homeownership

Homeowner 2,044 100 7.8 40.6 48.2 0.9 2.6

Non-homeowner 7,538 100 9.2 35.3 53.8 0.4 1.2

Geographic Region

Northeast 1,501 100 8.5 36.6 52.8 0.6 1.5

Midwest 1,744 100 8.8 40.3 47.6 0.8 2.5

South 4,295 100 8.8 36.3 53.0 0.6 1.3

West 2,043 100 9.5 33.3 55.9 0.1 1.2

Metropolitan Status

Metropolitan area - Principal City 3,948 100 9.0 32.7 56.4 0.4 1.5

Metropolitan area - Balance 2,810 100 9.4 37.1 50.8 0.7 1.9

Not in Metropolitan area 1,635 100 7.7 40.0 50.8 0.8 0.7

Not Identified 1,190 100 9.1 42.5 46.6 0.2 1.6

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households

A-5 Timeframe In Which Households Became Banked By Banking Status And Household Characteristics, 

2013

For all banked households, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Banked in Last 

12 Months 

(Percent)

Banked prior to 

last 12 months 

(Percent)

Unknown 

(Percent)

All 114,168 100 1.7 96.0 2.3

Unbanked and Underbanked

Banked: Underbanked 24,757 100 4.1 95.7 0.2

Banked: Fully Banked 82,892 100 1.0 98.9 0.2

Banked: Underbanked Status Unknown 6,519 100 1.2 61.4 37.4

Household Type

Married couple 57,067 100 1.1 96.9 2.0

Unmarried female-headed family 12,900 100 3.6 94.1 2.4

Unmarried male-headed family 5,493 100 3.1 94.6 2.2

Female individual 20,516 100 1.2 96.1 2.7

Male individual 18,084 100 2.1 95.1 2.9

Other 107 100 - 90.9 9.1

Race/Ethnicity

Black 13,352 100 3.5 93.4 3.1

Hispanic 12,268 100 3.5 94.2 2.3

Asian 5,755 100 1.6 95.6 2.8

American Indian/Alaskan 1,216 100 4.6 92.5 2.9

Hawaiian/Pacific Islander 295 100 1.1 92.7 6.3

White non-Black non-Hispanic 81,252 100 1.0 96.8 2.1

Other non-Black non-Hispanic NA NA NA NA NA

Spanish only language spoken

Spanish is not the only language spoken 112,441 100 1.6 96.1 2.3

Spanish is only language spoken 1,727 100 7.2 90.5 2.4

Nativity

U.S.-born 99,094 100 1.5 96.3 2.2

Foreign born citizen 8,814 100 1.9 95.3 2.9

Foreign born non citizen 6,260 100 3.9 93.7 2.5

Age Group

15 to 24 years 5,262 100 3.6 94.2 2.2

25 to 34 years 17,909 100 2.2 96.0 1.8

35 to 44 years 19,477 100 2.0 95.7 2.3

45 to 54 years 22,700 100 1.9 95.9 2.2

55 to 64 years 21,438 100 1.3 96.5 2.2

65 years or more 27,381 100 0.8 96.3 2.8
2013 FDIC National Survey of Unbanked and Underaned Households

A-5 Timeframe In Which Households Became Banked By Banking Status And Household Characteristics, 

2013

For all banked households, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Banked in Last 

12 Months 

(Percent)

Banked prior to 

last 12 months 

(Percent)

Unknown 

(Percent)

Disability Status

Disabled 8,852 100 3.6 94.2 2.2

Not Disabled 72,673 100 1.6 96.3 2.1

Not Applicable 32,643 100 1.3 96.0 2.7

Education

No high school degree 10,393 100 4.4 93.1 2.5

High school degree 30,036 100 2.1 95.2 2.6

Some college 34,008 100 1.6 96.2 2.2

College degree 39,731 100 0.6 97.3 2.1

Employment Status

Employed 71,476 100 1.6 96.2 2.2

Unemployed 4,184 100 3.6 94.5 1.9

Not in labor force 38,508 100 1.5 95.9 2.5

Family Income

Less than $15,000 13,767 100 4.4 93.0 2.5

Between $15,000 and $30,000 19,292 100 2.8 94.7 2.5

Between $30,000 and $50,000 23,252 100 1.5 96.0 2.5

Between $50,000 and $75,000 22,159 100 0.7 97.0 2.2

At Least $75,000 35,698 100 0.6 97.3 2.0

Homeownership

Homeowner 78,092 100 1.0 96.8 2.3

Non-homeowner 36,075 100 3.2 94.4 2.4

Geographic Region

Northeast 20,698 100 1.7 96.0 2.3

Midwest 25,571 100 1.3 96.3 2.4

South 42,443 100 2.0 95.9 2.1

West 25,456 100 1.4 96.0 2.6

Metropolitan Status

Metropolitan area - Principal City 30,562 100 2.2 95.3 2.5

Metropolitan area - Balance 48,419 100 1.3 96.2 2.5

Not in Metropolitan area 17,690 100 1.7 96.3 2.0

Not Identified 17,496 100 1.6 96.6 1.9

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households

A-6a Banking Transitions By Household Characteristics, 2013

For all households with non-missing recent bank status and non-missing life events, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Longer Term 

Unbanked 

(Percent)

Recently 

Unbanked 

(Percent)

Recently 

Banked 

(Percent)

Longer Term 

Banked 

(Percent)

All 115,872 100 6.9 0.7 1.6 90.9

Household Type

Married couple 55,868 100 3.0 0.3 1.1 95.6

Unmarried female-headed family 14,710 100 16.7 1.9 2.9 78.6

Unmarried male-headed family 5,975 100 12.0 1.2 2.8 84.1

Female individual 20,525 100 6.4 0.7 1.1 91.7

Male individual 18,675 100 9.5 0.7 1.9 87.8

Other 119 100 17.7 - - 82.3

Race/Ethnicity

Black 15,314 100 17.7 2.6 2.9 76.8

Hispanic 14,000 100 16.8 1.1 2.9 79.2

Asian 5,475 100 2.0 - 1.7 96.4

American Indian/Alaskan 1,381 100 15.0 1.8 3.5 79.7

Hawaiian/Pacific Islander 290 100 5.2 - 1.1 93.7

White non-Black non-Hispanic 79,382 100 3.3 0.3 1.0 95.5

Other non-Black non-Hispanic NA NA NA NA NA NA

Spanish only language spoken

Spanish is not the only language spoken 113,388 100 6.3 0.7 1.5 91.5

Spanish is only language spoken 2,484 100 33.1 1.2 4.6 61.1

Nativity

U.S.-born 99,770 100 6.0 0.7 1.4 91.9

Foreign born citizen 8,581 100 4.3 0.4 1.8 93.5

Foreign born non citizen 7,521 100 21.5 1.1 2.9 74.4

Age Group

15 to 24 years 5,878 100 14.2 1.7 3.1 81.0

25 to 34 years 19,248 100 10.8 1.4 1.9 85.9

35 to 44 years 20,160 100 8.0 0.8 1.9 89.3

45 to 54 years 23,041 100 6.7 0.6 1.7 90.9

55 to 64 years 21,386 100 5.1 0.3 1.2 93.4

65 years or more 26,158 100 3.1 0.2 0.8 95.8

Disability Status

Disabled 10,134 100 16.8 1.2 3.1 79.0

Not Disabled 73,702 100 6.3 0.7 1.5 91.5

Not Applicable 32,036 100 5.1 0.5 1.2 93.1
2013 FDIC National Survey of Unbanked and Underaned Households

A-6a Banking Transitions By Household Characteristics, 2013

For all households with non-missing recent bank status and non-missing life events, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Longer Term 

Unbanked 

(Percent)

Recently 

Unbanked 

(Percent)

Recently 

Banked 

(Percent)

Longer Term 

Banked 

(Percent)

Education

No high school degree 12,922 100 23.6 1.4 3.4 71.6

High school degree 31,357 100 9.7 0.9 2.0 87.4

Some college 33,755 100 4.6 0.9 1.6 93.0

College degree 37,839 100 0.9 0.1 0.6 98.4

Employment Status

Employed 71,174 100 4.8 0.5 1.5 93.2

Unemployed 5,099 100 18.7 4.0 2.8 74.4

Not in labor force 39,599 100 9.1 0.6 1.5 88.9

Family Income

Less than $15,000 17,684 100 25.5 2.2 3.3 69.0

Between $15,000 and $30,000 20,211 100 10.0 1.2 2.6 86.3

Between $30,000 and $50,000 22,814 100 4.5 0.5 1.5 93.6

Between $50,000 and $75,000 21,203 100 1.3 0.3 0.7 97.7

At Least $75,000 33,960 100 0.5 - 0.6 98.9

Homeownership

Homeowner 75,314 100 2.2 0.2 0.9 96.6

Non-homeowner 40,558 100 15.6 1.6 2.7 80.1

Geographic Region

Northeast 20,707 100 6.1 0.6 1.6 91.7

Midwest 25,580 100 5.5 0.6 1.2 92.6

South 43,756 100 8.1 0.8 1.9 89.2

West 25,829 100 6.7 0.7 1.3 91.3

Metropolitan Status

Metropolitan area - Principal City 32,167 100 10.3 1.0 2.0 86.7

Metropolitan area - Balance 47,831 100 4.8 0.5 1.3 93.4

Not in Metropolitan area 18,257 100 7.5 0.6 1.6 90.3

Not Identified 17,616 100 5.7 0.6 1.5 92.2

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households

A-6b Household Characteristics By Banking Transitions, 2013

For all households with non-missing recent bank status and non-missing life events, column percent

Characteristics All 

 Longer Term 

Unbanked 

 Recently 

Unbanked 

 Recently 

Banked 

 Longer Term 

Banked 

Number of Households (1000s) 115,872 7,973 807 1,800 105,292 

Percent of Households 100 100 100 100 100 

Household Type (Percent)

Married couple 48.2 21.1 23.6 33.8 50.7 

Unmarried female-headed family 12.7 30.8 33.9 23.8 11.0 

Unmarried male-headed family 5.2 9.0 8.9 9.1 4.8 

Female individual 17.7 16.6 17.2 13.1 17.9 

Male individual 16.1 22.3 16.4 20.1 15.6 

Other 0.1 0.3 - - 0.1 

Race/Ethnicity (Percent)

Black 13.2 34.0 49.3 25.0 11.2 

Hispanic 12.1 29.5 18.4 22.8 10.5 

Asian 4.7 1.3 0.1 5.1 5.0 

American Indian/Alaskan 1.2 2.6 3.2 2.7 1.0 

Hawaiian/Pacific Islander 0.3 0.2 - 0.2 0.3 

White non-Black non-Hispanic 68.5 32.4 29.0 44.2 72.0 

Other non-Black non-Hispanic - - - - - 

Spanish only language spoken (Percent)

Spanish is not the only language spoken 97.9 89.7 96.3 93.7 98.6 

Spanish is only language spoken 2.1 10.3 3.7 6.3 1.4 

Nativity (Percent)

U.S.-born 86.1 75.1 85.5 79.0 87.1 

Foreign born citizen 7.4 4.6 4.3 8.8 7.6 

Foreign born non citizen 6.5 20.3 10.2 12.2 5.3 

Age Group (Percent)

15 to 24 years 5.1 10.5 12.5 10.0 4.5 

25 to 34 years 16.6 26.1 33.9 20.5 15.7 

35 to 44 years 17.4 20.2 20.6 20.9 17.1 

45 to 54 years 19.9 19.4 17.7 21.9 19.9 

55 to 64 years 18.5 13.6 7.4 14.7 19.0 

65 years or more 22.6 10.1 8.1 12.0 23.8 

Disability Status (Percent)

Disabled 8.7 21.3 14.7 17.3 7.6 

Not Disabled 63.6 58.1 64.8 60.7 64.1 

Not Applicable 27.6 20.6 20.5 22.0 28.3 
2013 FDIC National Survey of Unbanked and Underaned Households

A-6b Household Characteristics By Banking Transitions, 2013

For all households with non-missing recent bank status and non-missing life events, column percent

Characteristics All 

 Longer Term 

Unbanked 

 Recently 

Unbanked 

 Recently 

Banked 

 Longer Term 

Banked 

Education (Percent)

No high school degree 11.2 38.2 22.9 24.2 8.8 

High school degree 27.1 38.1 36.3 34.2 26.0 

Some college 29.1 19.4 36.9 29.6 29.8 

College degree 32.7 4.3 4.0 12.1 35.4 

Employment Status (Percent)

Employed 61.4 43.1 43.8 60.0 63.0 

Unemployed 4.4 12.0 25.4 8.1 3.6 

Not in labor force 34.2 45.0 30.9 31.9 33.4 

Family Income (Percent)

Less than $15,000 15.3 56.6 48.0 32.4 11.6 

Between $15,000 and $30,000 17.4 25.2 29.9 28.9 16.6 

Between $30,000 and $50,000 19.7 12.7 13.7 18.4 20.3 

Between $50,000 and $75,000 18.3 3.5 8.0 8.1 19.7 

At Least $75,000 29.3 2.0 0.4 12.2 31.9 

Homeownership (Percent)

Homeowner 65.0 20.8 19.2 39.6 69.1 

Non-homeowner 35.0 79.2 80.8 60.4 30.9 

Geographic Region (Percent)

Northeast 17.9 15.9 15.0 18.6 18.0 

Midwest 22.1 17.8 19.0 17.4 22.5 

South 37.8 44.7 43.4 45.0 37.1 

West 22.3 21.7 22.6 19.0 22.4 

Metropolitan Status (Percent)

Metropolitan area - Principal City 27.8 41.5 40.9 35.4 26.5 

Metropolitan area - Balance 41.3 28.9 31.6 33.8 42.4 

Not in Metropolitan area 15.8 17.1 14.5 16.0 15.7 

Not Identified 15.2 12.5 12.9 14.7 15.4 

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households

A-7 Life Events By Banking Status, 2013

For all households, column percent

Characteristics All Unbanked 

 Banked: 

Underbanked 

 Banked: Fully 

Banked 

 Banked: 

Underbanked 

Status Unknown 

Number of Households (1000s) 123,750 9,582 24,757 82,892 6,519 

Percent of Households 100 100 100 100 100 

Significant loss of income (Percent)

Yes 13.5 24.6 21.4 10.7 3.0 

No 80.8 68.1 77.2 88.4 17.7 

Unknown 5.7 7.3 1.3 1.0 79.2 

Significant increase in income (Percent)

Yes 5.5 4.2 8.2 5.2 0.6 

No 88.8 88.7 90.4 93.8 20.1 

Unknown 5.7 7.2 1.4 1.0 79.4 

Job loss (Percent)

Yes 9.7 19.0 15.4 7.5 2.4 

No 84.8 73.9 83.3 91.6 20.7 

Unknown 5.5 7.1 1.3 0.9 76.9 

New job (Percent)

Yes 12.3 11.3 19.0 11.2 2.4 

No 82.3 81.5 79.7 87.9 20.9 

Unknown 5.5 7.1 1.3 0.9 76.6 

Retirement (Percent)

Yes 2.7 1.5 2.4 3.1 0.8 

No 91.9 91.5 96.4 96.1 23.0 

Unknown 5.4 7.0 1.2 0.9 76.2 

Significant increase in HH expenses (Percent)

Yes 14.9 15.7 22.1 13.6 2.8 

No 79.5 77.2 76.6 85.4 18.5 

Unknown 5.7 7.1 1.4 1.0 78.7 

Significant decrease in HH expenses (Percent)

Yes 2.1 3.6 3.0 1.7 0.3 

No 92.3 89.2 95.6 97.2 21.0 

Unknown 5.7 7.2 1.3 1.0 78.7 

Divorce or death (Percent)

Yes 2.2 2.2 3.2 2.0 0.5 

No 92.3 90.7 95.5 97.0 22.6 

Unknown 5.5 7.1 1.3 1.0 76.9 

New marriage, civil union, or domestic partner- ship (Percent)

Yes 1.6 1.6 2.6 1.5 0.3 

No 92.9 91.4 96.0 97.6 23.0 

Unknown 5.5 7.0 1.3 0.9 76.7 
2013 FDIC National Survey of Unbanked and Underaned Households

A-7 Life Events By Banking Status, 2013

For all households, column percent

Characteristics All Unbanked 

 Banked: 

Underbanked 

 Banked: Fully 

Banked 

 Banked: 

Underbanked 

Status Unknown 

Birth, adoption, or other addition of a child 

(Percent)

Yes 2.9 4.6 4.1 2.5 0.7 

No 91.6 88.3 94.6 96.5 23.3 

Unknown 5.4 7.1 1.3 0.9 76.0 

Move or relocation (Percent)

Yes 9.5 13.7 15.2 7.9 1.6 

No 85.1 79.3 83.6 91.2 22.9 

Unknown 5.4 7.1 1.3 0.9 75.5 

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households

A-8 All Reasons Households Were Unbanked By Previous Banking Status, 2013

For all unbanked households, column percent

Characteristics All 

 Once had 

bank account 

 Never had 

bank account Unknown 

Number of Households (1000s) 9,582 4,396 5,041 146 

Percent of Households 100 100 100 100 

Inconvenient hours or locations (Percent)

Yes 6.8 8.1 5.8 - 

No 89.8 89.7 91.9 21.2 

Unknown 3.4 2.2 2.2 78.8 

Account fees are too high or unpredictable 

(Percent)

Yes 30.8 37.6 25.4 12.0 

No 65.6 60.1 71.9 15.4 

Unknown 3.6 2.3 2.7 72.6 

Banks do not offer needed products or services 

(Percent)

Yes 10.5 11.7 9.5 8.2 

No 85.4 85.6 87.0 20.9 

Unknown 4.2 2.7 3.5 71.0 

Don’t like dealing with and/or don’t trust banks 

(Percent)

Yes 34.2 36.3 33.1 11.9 

No 61.5 60.9 63.2 18.5 

Unknown 4.3 2.8 3.7 69.6 

Do not have enough money (Percent)

Yes 57.5 60.5 55.9 21.3 

No 38.2 36.6 40.5 3.6 

Unknown 4.3 2.9 3.6 75.1 

Privacy (Percent)

Yes 26.4 28.9 24.7 10.0 

No 68.7 67.8 71.1 10.2 

Unknown 4.9 3.3 4.2 79.9 

ID, credit, or banking history problems (Percent)

Yes 16.8 16.3 17.3 13.6 

No 78.2 80.2 78.3 11.0 

Unknown 5.1 3.5 4.4 75.4 

Other (Percent)

Yes 12.5 16.0 9.7 3.0 

No 82.8 80.6 86.4 26.2 

Unknown 4.7 3.3 3.9 70.9 

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households

A-9 Main Reason Households Were Unbanked By Previous Banking Status, 2013

For all unbanked households, column percent

Characteristics All 

 Once had bank 

account 

 Never had bank 

account Unknown 

Number of Households (1000s) 9,582 4,396 5,041 146 

Percent of Households 100 100 100 100 

Main Reason Unbanked (Percent)

Inconvenient hours or locations 2.6 3.1 2.3 - 

Account fees are too high or unpredictable 13.4 17.7 9.8 6.7 

Banks do not offer needed products or services 1.2 1.0 1.5 - 

Don’t like dealing with or don’t trust banks 14.9 13.9 16.1 5.6 

Do not have enough money 35.6 36.3 35.7 11.5 

Privacy 3.7 3.9 3.6 - 

ID, credit, or banking history problems 6.8 6.8 7.0 3.5 

Other 7.4 9.5 5.8 - 

Unknown 14.3 7.8 18.2 72.7 

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households

A-10 Likelihood Of Opening An Account By Previous Banking Status and Household Characteristics, 2013

For all unbanked households, row percent

Characteristics

 Number of 

Households 

(1000s) 

 Percent of 

Households 

 Very likely 

(Percent) 

 Somewhat 

likely 

(Percent) 

 Not too 

likely 

(Percent) 

 Not likely 

at all 

(Percent) 

 Unknown 

(Percent) 

All 9,582 100 13.8 21.9 20.9 37.6 5.9 

Previously Banked

Once had bank account 4,396 100 20.5 28.1 18.0 29.0 4.4 

Never had bank account 5,041 100 8.3 16.9 23.7 45.9 5.2 

Unknown 146 100 - 9.0 6.8 12.5 71.8 

Previously Banked (within last year)

Had bank account within last year 852 100 37.4 37.4 7.5 14.0 3.6 

Had bank account more than 1 yr ago 3,493 100 16.5 26.2 20.8 33.0 3.5 

Never had bank account 5,041 100 8.3 16.9 23.7 45.9 5.2 

Previously banked, recency unknown NA NA NA NA NA NA NA 

Unknown 146 100 - 9.0 6.8 12.5 71.8 

Household Type

Married couple 2,035 100 11.2 22.4 26.0 35.7 4.7 

Unmarried female-headed family 2,902 100 17.8 27.8 21.1 28.1 5.3 

Unmarried male-headed family 835 100 14.0 27.0 22.2 34.2 2.5 

Female individual 1,634 100 10.0 16.9 18.7 48.1 6.3 

Male individual 2,157 100 13.5 15.3 17.0 45.5 8.7 

Other NA NA NA NA NA NA NA 

Race/Ethnicity

Black 3,449 100 17.1 24.4 18.0 33.4 7.1 

Hispanic 2,680 100 12.3 19.1 25.5 38.0 5.1 

Asian 127 100 20.8 7.5 10.5 49.3 11.9 

American Indian/Alaskan 248 100 11.2 23.9 19.6 43.6 1.7 

Hawaiian/Pacific Islander NA NA NA NA NA NA NA 

White non-Black non-Hispanic 3,058 100 11.2 22.1 20.3 41.2 5.2 

Other non-Black non-Hispanic NA NA NA NA NA NA NA 

Spanish only language spoken

Spanish is not the only language spoken 8,656 100 14.4 22.9 19.9 36.9 5.9 

Spanish is only language spoken 926 100 7.6 13.0 29.7 44.5 5.2 

Nativity

U.S.-born 7,303 100 15.0 22.9 19.5 37.0 5.6 

Foreign born citizen 438 100 8.5 9.0 29.3 44.1 9.0 

Foreign born non citizen 1,842 100 10.0 21.0 24.1 38.6 6.3 

Age Group

15 to 24 years 982 100 22.7 28.1 18.8 28.0 2.4 

25 to 34 years 2,555 100 14.8 28.3 22.6 29.4 4.9 

35 to 44 years 1,931 100 15.0 25.1 19.9 33.6 6.4 

45 to 54 years 1,851 100 12.2 19.5 21.4 39.7 7.3 

55 to 64 years 1,272 100 11.0 12.9 21.9 48.5 5.7 

65 years or more 991 100 6.5 9.0 18.0 58.4 8.2 
2013 FDIC National Survey of Unbanked and Underaned Households

A-10 Likelihood Of Opening An Account By Previous Banking Status and Household Characteristics, 2013

For all unbanked households, row percent

Characteristics

 Number of 

Households 

(1000s) 

 Percent of 

Households 

 Very likely 

(Percent) 

 Somewhat 

likely 

(Percent) 

 Not too 

likely 

(Percent) 

 Not likely 

at all 

(Percent) 

 Unknown 

(Percent) 

Education

No high school degree 3,478 100 9.8 18.6 21.9 44.2 5.5 

High school degree 3,648 100 16.4 23.2 20.9 33.6 5.8 

Some college 1,999 100 15.3 26.1 19.4 33.9 5.4 

College degree 457 100 16.9 17.9 18.4 35.5 11.3 

Employment Status

Employed 4,111 100 14.0 24.7 22.1 34.0 5.2 

Unemployed 1,253 100 22.8 32.2 19.0 21.3 4.7 

Not in labor force 4,219 100 10.9 16.1 20.1 46.0 6.8 

Family Income

Less than $15,000 5,277 100 13.8 21.7 20.1 39.3 5.1 

Between $15,000 and $30,000 2,471 100 12.7 24.3 22.4 34.4 6.2 

Between $30,000 and $50,000 1,244 100 14.4 21.2 21.4 36.4 6.6 

Between $50,000 and $75,000 393 100 18.3 16.8 21.4 33.9 9.5 

At Least $75,000 197 100 12.9 11.6 16.3 48.3 11.0 

Homeownership

Homeowner 2,044 100 12.4 16.6 22.6 39.1 9.3 

Non-homeowner 7,538 100 14.1 23.3 20.4 37.2 4.9 

Geographic Region

Northeast 1,501 100 16.9 22.8 20.9 35.3 4.2 

Midwest 1,744 100 12.8 21.5 20.4 36.8 8.4 

South 4,295 100 13.7 22.5 21.0 36.9 6.0 

West 2,043 100 12.5 20.3 21.0 41.6 4.6 

Disability Status

Disabled 1,990 100 8.4 15.6 21.8 48.6 5.5 

Not Disabled 5,620 100 15.4 25.3 21.4 31.8 6.2 

Not Applicable 1,973 100 14.5 18.5 18.4 43.3 5.3 

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households

A-11 Main Reason For Opening An Account By Household Characteristics, 2013

For all households that opened an account in the last 12 months, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

 To put 

money in 

a safe 

place 

(Percent) 

 To pay 

for 

everyday 

purchases, 

write 

checks, 

or/and 

pay bills 

(Percent) 

 To be 

able to 

apply for 

a loan or 

mortgage 

(Percent) 

 To save 

money for 

the future 

(Percent) 

 To 

receive 

direct 

deposit 

(Percent) 

 To send 

money to 

family or 

friends 

(Percent) 

 Other 

(Specify) 

(Percent) 

 Unknown 

(Percent) 

All 1,891 100 19.1 25.0 0.5 7.1 34.2 0.5 10.6 3.1 

Household Type

Married couple 638 100 22.5 30.5 0.8 7.5 27.8 0.8 8.1 2.0 

Unmarried femaleheaded family 461 100 16.4 17.4 - 8.9 35.3 - 15.7 6.4 

Unmarried maleheaded family 173 100 14.7 32.7 - 6.1 31.9 2.5 11.4 0.8 

Female individual 247 100 16.6 18.1 - 8.3 44.0 - 10.8 2.2 

Male individual 373 100 20.1 25.9 1.0 4.0 38.6 - 8.0 2.5 

Race/Ethnicity

Black 469 100 18.7 20.3 - 7.8 42.2 - 7.5 3.5 

Hispanic 431 100 17.5 32.7 0.1 7.1 33.3 1.0 7.0 1.3 

Asian NA NA NA NA NA NA NA NA NA NA 

American Indian/

Alaskan NA NA NA NA NA NA NA NA NA NA 

Hawaiian/Pacific 

Islander NA NA NA NA NA NA NA NA NA NA 

White non-Black 

non-Hispanic 841 100 18.7 23.0 1.0 7.4 32.3 0.6 14.0 3.0 

Spanish only 

language spoken

Spanish is not the 

only language 

spoken 1,767 100 18.7 24.8 0.5 6.9 34.4 0.5 10.8 3.3 

Spanish is only 

language spoken NA NA NA NA NA NA NA NA NA NA 

Nativity

U.S.-born 1,486 100 18.1 22.5 0.6 6.8 37.7 0.4 10.7 3.3 

Foreign born citizen 164 100 23.6 37.8 - 2.2 18.8 - 12.0 5.5 

Foreign born non 

citizen 241 100 21.9 31.7 - 12.7 23.5 1.8 8.4 - 

Age Group

15 to 24 years 189 100 25.1 24.7 2.8 11.7 23.5 2.4 7.4 2.5 

25 to 34 years 393 100 20.4 26.1 0.2 5.1 34.7 0.2 10.3 3.0 

35 to 44 years 389 100 21.6 22.2 - 8.3 30.2 - 14.8 2.9 

45 to 54 years 420 100 13.5 30.4 0.5 7.9 33.1 1.0 10.3 3.2 

55 to 64 years 274 100 12.7 23.5 0.4 8.2 44.5 - 9.1 1.6 

65 years or more 226 100 25.4 19.5 - 1.9 38.9 - 8.7 5.5 

Disability Status

Disabled 319 100 12.9 19.6 0.3 6.3 48.8 - 9.4 2.7 

Not Disabled 1,157 100 18.5 27.6 0.2 7.6 31.1 0.4 11.8 2.8 

Not Applicable 415 100 25.3 21.9 1.3 6.4 31.9 1.1 8.1 4.1 
2013 FDIC National Survey of Unbanked and Underaned Households

A-11 Main Reason For Opening An Account By Household Characteristics, 2013

For all households that opened an account in the last 12 months, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

 To put 

money in 

a safe 

place 

(Percent) 

 To pay 

for 

everyday 

purchases, 

write 

checks, 

or/and 

pay bills 

(Percent) 

 To be 

able to 

apply for 

a loan or 

mortgage 

(Percent) 

 To save 

money for 

the future 

(Percent) 

 To 

receive 

direct 

deposit 

(Percent) 

 To send 

money to 

family or 

friends 

(Percent) 

 Other 

(Specify) 

(Percent) 

 Unknown 

(Percent) 

Education

No high school 

degree 456 100 14.5 25.2 - 7.0 42.5 0.9 9.6 0.3 

High school degree 641 100 19.7 26.0 0.4 6.5 33.3 0.7 10.6 2.7 

Some college 559 100 14.8 22.2 0.2 7.4 37.4 0.1 12.1 5.6 

College degree 236 100 36.1 28.3 2.2 8.2 13.4 - 8.5 3.3 

Employment Status

Employed 1,151 100 20.3 27.4 0.8 8.1 29.2 0.4 11.5 2.3 

Unemployed 151 100 20.0 38.3 - 6.1 21.7 - 11.1 2.8 

Not in labor force 589 100 16.4 16.7 - 5.5 47.4 0.8 8.6 4.6 

Family Income

Less than $15,000 611 100 12.6 23.0 0.2 8.9 39.4 - 14.3 1.7 

Between $15,000 and 

$30,000 539 100 20.8 24.4 1.0 5.0 37.1 1.8 7.1 2.9 

Between $30,000 and 

$50,000 351 100 22.2 29.5 0.6 5.7 33.1 - 4.8 4.2 

Between $50,000 and 

$75,000 163 100 15.9 32.0 0.4 5.4 32.1 - 8.5 5.8 

At Least $75,000 227 100 29.8 19.7 - 10.8 16.9 - 19.2 3.6 

Homeownership

Homeowner 748 100 19.4 21.9 1.1 8.9 33.7 - 9.8 5.3 

Non-homeowner 1,143 100 18.9 27.0 0.1 6.0 34.6 0.8 11.1 1.6 

Geographic Region

Northeast 356 100 27.2 32.2 1.5 1.6 23.0 1.3 10.2 3.2 

Midwest 341 100 12.6 18.4 0.6 8.1 44.0 - 14.4 1.9 

South 832 100 21.2 23.4 0.1 8.3 39.1 - 6.0 2.0 

West 362 100 12.2 27.8 0.3 8.9 24.9 1.4 17.8 6.7 

Metropolitan Status

Metropolitan area 

- Principal City 667 100 18.7 24.0 0.1 7.3 38.3 0.6 7.9 3.1 

Metropolitan area 

- Balance 646 100 22.3 25.4 0.8 6.1 30.1 - 11.9 3.4 

Not in Metropolitan 

area 303 100 12.2 28.5 0.3 8.2 33.5 1.5 12.9 2.9 

Not Identified 276 100 19.7 22.6 0.8 7.8 34.9 0.3 11.4 2.6 

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households
2013 FDIC National Survey of Unbanked and Underaned Households

Appendix B – Checking and Savings Account 

Ownership, and Automatic Transfers: 

National Tables
2013 FDIC National Survey of Unbanked and Underaned Households

B-1 Bank Account Type By Banking Status and Household Characteristics, 2013

For all households, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Unbanked 

(Percent) 

 Checking 

and 

Savings 

(Percent) 

 Savings 

Only 

(Percent) 

 Checking 

Only 

(Percent) 

 Banked, 

Account 

Type 

Unknown 

(Percent) 

 Has 

Savings 

Account 

(Percent) 

 Does Not 

Have 

Savings 

Account 

(Percent) 

 Unknown 

(Percent) 

All 123,750 100 7.7 66.8 2.0 21.7 1.8 68.8 29.5 1.7 

Unbanked and 

Underbanked

Unbanked 9,582 100 100.0 - - - - - 100.0 - 

Banked: 

Underbanked 24,757 100 - 62.6 4.8 31.6 0.9 67.5 31.7 0.8 

Banked: Fully 

Banked 82,892 100 - 76.7 1.5 21.2 0.6 78.2 21.2 0.6 

Banked: Under- banked Status 

Unknown 6,519 100 - 53.8 1.2 21.9 23.1 55.0 22.0 23.0 

Household Type

Married couple 59,102 100 3.4 77.3 1.4 16.4 1.5 78.6 19.9 1.5 

Unmarried femaleheaded family 15,802 100 18.4 50.1 3.2 26.2 2.0 53.5 44.6 1.9 

Unmarried maleheaded family 6,327 100 13.2 55.2 2.0 27.3 2.4 57.2 40.4 2.4 

Female individual 22,150 100 7.4 61.8 2.2 26.6 2.0 64.0 34.0 2.0 

Male individual 20,240 100 10.7 58.2 2.9 26.4 1.9 61.1 37.0 1.9 

Other 128 100 16.3 48.6 5.9 14.8 14.3 54.5 37.2 8.2 

Race/Ethnicity

Black 16,801 100 20.5 47.7 4.3 25.1 2.3 52.1 45.7 2.2 

Hispanic 14,948 100 17.9 50.7 2.5 27.0 1.9 53.2 45.1 1.8 

Asian 5,882 100 2.2 76.4 1.4 18.2 1.9 77.8 20.4 1.8 

American Indian/

Alaskan 1,464 100 16.9 50.3 3.6 27.2 1.9 53.9 44.3 1.8 

Hawaiian/Pacific 

Islander 314 100 6.1 58.8 5.2 27.9 1.9 64.0 34.1 1.9 

White non-Black 

non-Hispanic 84,310 100 3.6 73.0 1.5 20.1 1.7 74.5 23.8 1.6 

Other non-Black 

non-Hispanic NA NA NA NA NA NA NA NA NA NA 

Spanish only 

language spoken

Spanish is not the 

only language 

spoken 121,097 100 7.1 67.6 2.0 21.5 1.8 69.6 28.7 1.7 

Spanish is only 

language spoken 2,654 100 34.9 29.0 4.4 30.0 1.7 33.4 64.9 1.7 

Nativity

U.S.-born 106,397 100 6.9 68.4 2.0 21.0 1.8 70.4 27.9 1.7 

Foreign born 

citizen 9,252 100 4.7 65.8 2.2 25.1 2.2 68.0 29.9 2.2 

Foreign born non 

citizen 8,102 100 22.7 46.8 2.5 26.5 1.5 49.2 49.4 1.4 
2013 FDIC National Survey of Unbanked and Underaned Households

B-1 Bank Account Type By Banking Status and Household Characteristics, 2013

For all households, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Unbanked 

(Percent) 

 Checking 

and 

Savings 

(Percent) 

 Savings 

Only 

(Percent) 

 Checking 

Only 

(Percent) 

 Banked, 

Account 

Type 

Unknown 

(Percent) 

 Has 

Savings 

Account 

(Percent) 

 Does Not 

Have 

Savings 

Account 

(Percent) 

 Unknown 

(Percent) 

Age Group

15 to 24 years 6,244 100 15.7 57.3 1.7 22.9 2.3 59.0 39.0 1.9 

25 to 34 years 20,464 100 12.5 65.3 1.6 19.3 1.3 67.0 31.8 1.2 

35 to 44 years 21,408 100 9.0 67.2 2.0 20.3 1.5 69.2 29.3 1.5 

45 to 54 years 24,551 100 7.5 68.5 2.1 20.0 1.9 70.6 27.6 1.8 

55 to 64 years 22,710 100 5.6 67.8 2.3 22.5 1.8 70.2 28.2 1.7 

65 years or more 28,372 100 3.5 67.2 2.1 24.9 2.3 69.3 28.4 2.3 

Disability Status

Disabled 10,841 100 18.4 41.8 4.9 33.2 1.8 46.7 51.5 1.8 

Not Disabled 78,293 100 7.2 70.8 1.6 18.8 1.6 72.5 26.0 1.5 

Not Applicable 34,616 100 5.7 65.4 2.0 24.5 2.3 67.5 30.3 2.2 

Education

No high school 

degree 13,871 100 25.1 34.9 4.8 33.3 2.0 39.7 58.4 1.9 

High school 

degree 33,684 100 10.8 57.0 2.5 27.5 2.1 59.5 38.4 2.0 

Some college 36,007 100 5.6 69.5 1.7 21.6 1.6 71.3 27.2 1.5 

College degree 40,188 100 1.1 83.4 0.9 12.8 1.7 84.4 13.9 1.7 

Employment Status

Employed 75,587 100 5.4 72.5 1.7 18.8 1.6 74.2 24.3 1.5 

Unemployed 5,436 100 23.0 48.6 2.0 24.1 2.3 50.7 47.3 2.0 

Not in labor force 42,727 100 9.9 59.0 2.6 26.4 2.2 61.6 36.3 2.1 

Family Income

Less than $15,000 19,044 100 27.7 31.5 4.7 34.1 2.0 36.3 61.8 2.0 

Between $15,000 

and $30,000 21,763 100 11.4 51.0 2.9 32.8 1.9 53.9 44.2 1.8 

Between $30,000 

and $50,000 24,496 100 5.1 66.6 2.0 24.5 1.9 68.6 29.6 1.8 

Between $50,000 

and $75,000 22,552 100 1.7 78.3 1.1 17.0 1.8 79.4 18.8 1.7 

At Least $75,000 35,895 100 0.5 87.9 0.7 9.3 1.6 88.6 9.9 1.5 

Homeownership

Homeowner 80,136 100 2.6 76.0 1.5 18.2 1.8 77.5 20.8 1.7 

Non-homeowner 43,614 100 17.3 49.8 3.1 28.0 1.9 52.9 45.3 1.8 

Geographic Region

Northeast 22,199 100 6.8 69.4 2.1 20.0 1.7 71.6 26.7 1.7 

Midwest 27,315 100 6.4 69.1 2.5 19.9 2.1 71.6 26.4 2.0 

South 46,738 100 9.2 61.0 2.1 26.0 1.7 63.2 35.2 1.6 

West 27,498 100 7.4 72.0 1.4 17.4 1.8 73.4 24.9 1.7 
2013 FDIC National Survey of Unbanked and Underaned Households

B-2 Banking Status By Bank Account Type, 2013

For all banked households, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

 Banked: 

Underbanked 

(Percent) 

 Banked: Fully 

Banked (Percent) 

 Banked: 

Underbanked 

Status Unknown 

(Percent) 

All 114,168 100 21.7 72.6 5.7 

Bank Account Type

Checking and Savings 82,609 100 18.8 77.0 4.2 

Savings Only 2,507 100 47.6 49.2 3.2 

Checking Only 26,810 100 29.2 65.5 5.3 

Banked, Account Type Unknown 2,241 100 10.3 22.6 67.1 

Savings Account Ownership

Has Savings Account 85,152 100 19.6 76.2 4.2 

Does Not Have Savings Account 26,865 100 29.2 65.4 5.3 

Unknown 2,151 100 8.7 21.7 69.6 

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.

B-1 Bank Account Type By Banking Status and Household Characteristics, 2013

For all households, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Unbanked 

(Percent) 

 Checking 

and 

Savings 

(Percent) 

 Savings 

Only 

(Percent) 

 Checking 

Only 

(Percent) 

 Banked, 

Account 

Type 

Unknown 

(Percent) 

 Has 

Savings 

Account 

(Percent) 

 Does Not 

Have 

Savings 

Account 

(Percent) 

 Unknown 

(Percent) 

Metropolitan 

Status

Metropolitan area 

- Principal City 34,510 100 11.4 64.4 2.3 19.9 2.0 66.8 31.4 1.9 

Metropolitan area 

- Balance 51,229 100 5.5 71.5 1.4 19.7 1.9 73.0 25.2 1.8 

Not in Metropoli- tan area 19,325 100 8.5 57.6 2.7 29.4 1.9 60.3 37.8 1.8 

Not Identified 18,686 100 6.4 67.5 2.4 22.5 1.2 69.9 28.9 1.2 

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households

B-3a Use of Direct Deposit or Automatic Transfers By Household Characteristics, 2013

For all banked households, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

 Direct 

Deposit or 

Auto 

Transfer 

into 

Checking 

and 

Savings 

(Percent) 

 Direct 

Deposit or 

Auto 

Transfer 

into 

Checking 

Only 

(Percent) 

 Direct 

Deposit or 

Auto 

Transfer 

into 

Savings 

Only 

(Percent) 

 Direct 

Deposit or 

Auto 

Transfer 

into Direct 

Deposit 

Account 

Type 

Unknown 

(Percent) 

 Direct 

Deposit or 

Auto 

Transfer 

into No 

Direct 

Deposit 

(banked) 

(Percent) 

 Direct 

Deposit or 

Auto 

Transfer 

Unknown 

(Percent) 

All 114,168 100 10.6 65.4 3.3 1.1 16.7 3.0 

Household Type

Married couple 57,067 100 12.7 66.2 2.8 1.0 14.6 2.8 

Unmarried female-headed family 12,900 100 7.6 63.7 4.0 1.0 21.0 2.7 

Unmarried male-headed family 5,493 100 5.9 61.6 3.1 0.9 25.5 3.1 

Female individual 20,516 100 9.4 68.5 3.8 1.1 13.7 3.5 

Male individual 18,084 100 8.8 61.7 4.0 1.1 21.2 3.2 

Other 107 100 15.6 63.1 - 5.4 6.9 9.1 

Race/Ethnicity

Black 13,352 100 10.0 62.9 4.8 0.7 16.9 4.6 

Hispanic 12,268 100 5.5 58.8 3.0 0.9 29.1 2.7 

Asian 5,755 100 8.1 60.2 2.9 1.4 23.8 3.6 

American Indian/Alaskan 1,216 100 10.8 62.3 4.5 0.7 18.4 3.3 

Hawaiian/Pacific Islander 295 100 6.2 52.5 6.7 2.2 28.0 4.3 

White non-Black non-Hispanic 81,252 100 11.6 67.2 3.1 1.1 14.2 2.7 

Other non-Black non-Hispanic NA NA NA NA NA NA NA NA 

Spanish only language spoken

Spanish is not the only language 

spoken 112,441 100 10.7 65.6 3.3 1.1 16.3 3.0 

Spanish is only language spoken 1,727 100 2.5 50.8 2.7 0.2 41.7 2.1 

Nativity

U.S.-born 99,094 100 11.2 66.6 3.4 1.1 14.7 2.9 

Foreign born citizen 8,814 100 7.0 61.2 3.4 1.3 23.5 3.6 

Foreign born non citizen 6,260 100 4.8 51.7 1.9 0.3 38.6 2.7 

Age Group

15 to 24 years 5,262 100 6.8 59.1 2.4 0.6 28.2 2.9 

25 to 34 years 17,909 100 10.9 62.5 2.3 1.0 21.2 2.1 

35 to 44 years 19,477 100 11.3 63.1 2.5 1.0 19.5 2.6 

45 to 54 years 22,700 100 11.7 62.2 3.0 1.1 18.6 3.4 

55 to 64 years 21,438 100 10.5 65.3 4.0 1.0 16.7 2.5 

65 years or more 27,381 100 9.7 72.8 4.4 1.2 7.9 3.9 

Disability Status

Disabled 8,852 100 6.0 70.6 5.8 0.5 14.5 2.5 

Not Disabled 72,673 100 11.7 62.4 2.7 1.1 19.4 2.7 

Not Applicable 32,643 100 9.2 70.6 4.1 1.1 11.2 3.7 
2013 FDIC National Survey of Unbanked and Underaned Households

B-3a Use of Direct Deposit or Automatic Transfers By Household Characteristics, 2013

For all banked households, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

 Direct 

Deposit or 

Auto 

Transfer 

into 

Checking 

and 

Savings 

(Percent) 

 Direct 

Deposit or 

Auto 

Transfer 

into 

Checking 

Only 

(Percent) 

 Direct 

Deposit or 

Auto 

Transfer 

into 

Savings 

Only 

(Percent) 

 Direct 

Deposit or 

Auto 

Transfer 

into Direct 

Deposit 

Account 

Type 

Unknown 

(Percent) 

 Direct 

Deposit or 

Auto 

Transfer 

into No 

Direct 

Deposit 

(banked) 

(Percent) 

 Direct 

Deposit or 

Auto 

Transfer 

Unknown 

(Percent) 

Education

No high school degree 10,393 100 4.1 60.3 5.7 0.5 26.2 3.1 

High school degree 30,036 100 8.0 64.1 3.7 0.9 19.9 3.4 

Some college 34,008 100 10.3 65.8 3.0 1.0 17.0 2.9 

College degree 39,731 100 14.4 67.2 2.7 1.3 11.6 2.7 

Employment Status

Employed 71,476 100 12.0 63.7 2.7 1.0 17.9 2.7 

Unemployed 4,184 100 5.4 54.7 2.5 1.5 32.9 3.0 

Not in labor force 38,508 100 8.4 69.6 4.6 1.1 12.8 3.5 

Family Income

Less than $15,000 13,767 100 3.5 61.1 5.7 1.0 25.6 3.2 

Between $15,000 and $30,000 19,292 100 5.4 63.7 3.6 1.0 22.9 3.5 

Between $30,000 and $50,000 23,252 100 8.7 64.5 3.3 0.9 19.7 2.8 

Between $50,000 and $75,000 22,159 100 11.4 67.9 2.8 0.9 14.0 3.0 

At Least $75,000 35,698 100 16.8 66.9 2.6 1.3 9.7 2.7 

Homeownership

Homeowner 78,092 100 12.1 67.0 3.2 1.2 13.5 2.9 

Non-homeowner 36,075 100 7.1 61.7 3.6 0.8 23.6 3.1 

Geographic Region

Northeast 20,698 100 10.0 64.2 4.5 1.0 17.3 3.0 

Midwest 25,571 100 12.0 65.4 3.9 1.3 14.1 3.3 

South 42,443 100 10.2 66.9 2.6 0.8 16.8 2.6 

West 25,456 100 10.1 63.7 3.0 1.2 18.7 3.1 

Metropolitan Status

Metropolitan area - Principal City 30,562 100 10.2 62.1 3.7 0.9 19.7 3.4 

Metropolitan area - Balance 48,419 100 11.2 67.1 2.9 1.1 14.6 3.0 

Not in Metropolitan area 17,690 100 8.9 65.8 3.5 1.2 17.7 2.8 

Not Identified 17,496 100 10.9 65.9 3.5 1.0 16.2 2.4 

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households

B-3b Use of Direct Deposit or Automatic Transfers By Household Characteristics, 2013

For all banked households that used direct deposit or auto transfer, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Direct Deposit 

or Auto 

Transfer into 

Checking and 

Savings 

(Percent)

Direct Deposit 

or Auto 

Transfer into 

Checking Only 

(Percent)

Direct Deposit 

or Auto 

Transfer into 

Savings Only 

(Percent)

Direct Deposit 

or Auto 

Transfer into 

Direct Deposit 

Account Type 

Unknown 

(Percent)

All 91,697 100 13.2 81.4 4.1 1.3 

Household Type

Married couple 47,184 100 15.3 80.0 3.4 1.3 

Unmarried female-headed family 9,841 100 9.9 83.5 5.3 1.4 

Unmarried male-headed family 3,924 100 8.3 86.2 4.3 1.2 

Female individual 16,990 100 11.4 82.7 4.5 1.4 

Male individual 13,667 100 11.6 81.6 5.3 1.4 

Other 90 100 18.5 75.0 - 6.5 

Race/Ethnicity

Black 10,481 100 12.8 80.2 6.2 0.9 

Hispanic 8,375 100 8.1 86.2 4.3 1.4 

Asian 4,179 100 11.1 83.0 3.9 2.0 

American Indian/Alaskan 952 100 13.9 79.5 5.7 0.9 

Hawaiian/Pacific Islander 200 100 9.2 77.7 9.9 3.3 

White non-Black non-Hispanic 67,481 100 14.0 80.9 3.8 1.3 

Other non-Black non-Hispanic NA NA NA NA NA NA

Spanish only language spoken

Spanish is not the only language 

spoken 90,727 100 13.2 81.3 4.1 1.3 

Spanish is only language spoken 970 100 4.4 90.4 4.7 0.4 

Nativity

U.S.-born 81,600 100 13.7 80.9 4.1 1.3 

Foreign born citizen 6,421 100 9.6 84.0 4.7 1.8 

Foreign born non citizen 3,676 100 8.2 88.1 3.2 0.5 

Age Group

15 to 24 years 3,623 100 9.9 85.8 3.5 0.9 

25 to 34 years 13,732 100 14.2 81.5 3.0 1.3 

35 to 44 years 15,169 100 14.5 81.0 3.3 1.2 

45 to 54 years 17,706 100 15.0 79.7 3.9 1.4 

55 to 64 years 17,320 100 12.9 80.8 5.0 1.3 

65 years or more 24,147 100 11.0 82.6 5.0 1.4 

Disability Status

Disabled 7,340 100 7.3 85.1 7.0 0.6 

Not Disabled 56,587 100 15.0 80.1 3.4 1.4 

Not Applicable 27,770 100 10.9 83.0 4.8 1.3 
2013 FDIC National Survey of Unbanked and Underaned Households

B-3b Use of Direct Deposit or Automatic Transfers By Household Characteristics, 2013

For all banked households that used direct deposit or auto transfer, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Direct Deposit 

or Auto 

Transfer into 

Checking and 

Savings 

(Percent)

Direct Deposit 

or Auto 

Transfer into 

Checking Only 

(Percent)

Direct Deposit 

or Auto 

Transfer into 

Savings Only 

(Percent)

Direct Deposit 

or Auto 

Transfer into 

Direct Deposit 

Account Type 

Unknown 

(Percent)

Education

No high school degree 7,347 100 5.8 85.3 8.1 0.7 

High school degree 23,061 100 10.5 83.5 4.8 1.2 

Some college 27,259 100 12.9 82.1 3.7 1.3 

College degree 34,030 100 16.8 78.5 3.2 1.5 

Employment Status

Employed 56,773 100 15.1 80.2 3.4 1.3 

Unemployed 2,682 100 8.4 85.3 4.0 2.3 

Not in labor force 32,242 100 10.1 83.1 5.5 1.3 

Family Income

Less than $15,000 9,799 100 4.9 85.8 8.0 1.3 

Between $15,000 and $30,000 14,212 100 7.3 86.5 4.9 1.3 

Between $30,000 and $50,000 18,024 100 11.3 83.3 4.3 1.2 

Between $50,000 and $75,000 18,406 100 13.7 81.8 3.4 1.1 

At Least $75,000 31,256 100 19.2 76.4 2.9 1.5 

Homeownership

Homeowner 65,261 100 14.5 80.2 3.8 1.4 

Non-homeowner 26,435 100 9.7 84.2 4.9 1.2 

Geographic Region

Northeast 16,484 100 12.6 80.6 5.7 1.2 

Midwest 21,115 100 14.5 79.1 4.7 1.6 

South 34,208 100 12.7 83.0 3.2 1.1 

West 19,889 100 13.0 81.6 3.9 1.6 

Metropolitan Status

Metropolitan area - Principal City 23,519 100 13.3 80.7 4.9 1.2 

Metropolitan area - Balance 39,873 100 13.7 81.5 3.5 1.4 

Not in Metropolitan area 14,063 100 11.2 82.8 4.4 1.6 

Not Identified 14,242 100 13.4 81.0 4.4 1.3 

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households

Appendix C – Prepaid Debit Cards: National 

Tables
2013 FDIC National Survey of Unbanked and Underbaked Household

C-1 Prepaid Debit Card Use And Recency Of Use By Banking Status And Household Characteristics, 2013

For all households , row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Used: in last 30 

days (Percent)

Used: Not in 

last 30 days but in last 12 

months 

(Percent)

Used: Not in 

last 12 months 

(Percent)

Never Used 

(Percent)

Use Unknown 

(Percent)

All 123,750 100 3.9 4.0 4.1 82.3 5.7

Unbanked and Underbanked

Unbanked 9,582 100 16.8 5.5 4.9 65.4 7.5

Banked: Underbanked 24,757 100 6.6 6.6 6.5 79.1 1.2

Banked: Fully Banked 82,892 100 1.9 3.3 3.6 90.6 0.6

Banked: Underbanked Status Unknown 6,519 100 0.3 0.4 0.7 13.8 84.8

Household Type

Married couple 59,102 100 3.2 3.9 3.7 84.2 5.0

Unmarried female-headed family 15,802 100 7.4 5.7 5.3 75.5 6.1

Unmarried male-headed family 6,327 100 5.4 4.9 4.2 80.7 4.8

Female individual 22,150 100 3.2 3.1 3.9 83.3 6.4

Male individual 20,240 100 3.6 3.6 4.6 81.4 6.7

Other 128 100 3.6 3.6 2.2 83.0 7.6

Race/Ethnicity

Black 16,801 100 7.0 4.5 5.5 75.0 8.0

Hispanic 14,948 100 4.6 3.2 2.8 83.3 6.2

Asian 5,882 100 2.4 2.1 2.9 85.6 7.0

American Indian/Alaskan 1,464 100 8.4 6.3 4.0 76.8 4.5

Hawaiian/Pacific Islander 314 100 6.0 3.7 5.1 79.9 5.2

White non-Black non-Hispanic 84,310 100 3.2 4.1 4.1 83.5 5.0

Other non-Black non-Hispanic NA NA NA NA NA NA NA

Spanish only language spoken

Spanish is not the only language spoken 121,097 100 3.9 4.0 4.2 82.2 5.7

Spanish is only language spoken 2,654 100 4.9 1.9 1.8 85.3 6.1

Nativity

U.S.-born 106,397 100 4.1 4.2 4.4 81.8 5.5

Foreign born citizen 9,252 100 2.3 1.8 2.4 86.6 7.0

Foreign born non citizen 8,102 100 3.5 3.2 2.7 83.4 7.1

Age Group

15 to 24 years 6,244 100 5.7 7.0 6.1 76.4 4.9

25 to 34 years 20,464 100 5.6 5.3 5.8 77.7 5.5

35 to 44 years 21,408 100 4.8 5.5 4.8 79.4 5.5

45 to 54 years 24,551 100 4.8 4.4 4.4 80.8 5.6

55 to 64 years 22,710 100 3.2 3.2 3.3 85.4 4.9

65 years or more 28,372 100 1.5 1.5 2.3 87.9 6.8

Disability Status

Disabled 10,841 100 7.5 4.9 4.6 77.2 5.8

Not Disabled 78,293 100 4.2 4.5 4.5 81.5 5.3

Not Applicable 34,616 100 2.2 2.5 3.0 85.8 6.5
2013 FDIC National Survey of Unbanked and Underbaked Household

C-1 Prepaid Debit Card Use And Recency Of Use By Banking Status And Household Characteristics, 2013

For all households , row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Used: in last 30 

days (Percent)

Used: Not in 

last 30 days but in last 12 

months 

(Percent)

Used: Not in 

last 12 months 

(Percent)

Never Used 

(Percent)

Use Unknown 

(Percent)

Education

No high school degree 13,871 100 5.4 3.5 2.7 82.3 6.1

High school degree 33,684 100 4.3 3.8 4.1 81.7 6.1

Some college 36,007 100 4.5 4.3 4.6 81.2 5.4

College degree 40,188 100 2.6 4.1 4.1 83.8 5.4

Employment Status

Employed 75,587 100 3.8 4.5 4.7 81.7 5.2

Unemployed 5,436 100 8.3 6.6 5.9 74.1 5.1

Not in labor force 42,727 100 3.5 2.7 2.9 84.4 6.6

Family Income

Less than $15,000 19,044 100 7.0 4.4 4.6 77.6 6.5

Between $15,000 and $30,000 21,763 100 4.6 3.7 3.7 81.7 6.3

Between $30,000 and $50,000 24,496 100 4.4 3.9 4.2 81.4 6.1

Between $50,000 and $75,000 22,552 100 2.7 3.8 4.6 83.7 5.2

At Least $75,000 35,895 100 2.4 4.2 3.7 84.9 4.9

Homeownership

Homeowner 80,136 100 2.5 3.4 3.5 85.2 5.3

Non-homeowner 43,614 100 6.6 5.0 5.2 76.9 6.3

Geographic Region

Northeast 22,199 100 2.9 3.7 3.7 83.7 6.0

Midwest 27,315 100 4.2 4.7 4.5 81.3 5.3

South 46,738 100 4.5 3.9 4.2 81.5 5.8

West 27,498 100 3.4 3.6 3.8 83.5 5.6

Metropolitan Status

Metropolitan area - Principal City 34,510 100 4.4 3.8 4.3 81.3 6.1

Metropolitan area - Balance 51,229 100 3.3 3.9 3.7 83.1 5.9

Not in Metropolitan area 19,325 100 4.5 4.3 3.8 82.6 4.8

Not Identified 18,686 100 4.1 4.2 5.2 81.5 5.1

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbaked Household

C-2 Prepaid Debit Card Use and Recency Of Use By Household Characteristics, 2013

For all unbanked households, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Used: in last 30 

days (Percent)

Used: Not in 

last 30 days but in last 12 

months 

(Percent)

Used: Not in 

last 12 months 

(Percent)

Never Used 

(Percent)

Use Unknown 

(Percent)

All 123,750 100 3.9 4.0 4.1 82.3 5.7

Household Type

Married couple 59,102 100 3.2 3.9 3.7 84.2 5.0

Unmarried female-headed family 15,802 100 7.4 5.7 5.3 75.5 6.1

Unmarried male-headed family 6,327 100 5.4 4.9 4.2 80.7 4.8

Female individual 22,150 100 3.2 3.1 3.9 83.3 6.4

Male individual 20,240 100 3.6 3.6 4.6 81.4 6.7

Other 128 100 3.6 3.6 2.2 83.0 7.6

Race/Ethnicity

Black 16,801 100 7.0 4.5 5.5 75.0 8.0

Hispanic 14,948 100 4.6 3.2 2.8 83.3 6.2

Asian 5,882 100 2.4 2.1 2.9 85.6 7.0

American Indian/Alaskan 1,464 100 8.4 6.3 4.0 76.8 4.5

Hawaiian/Pacific Islander 314 100 6.0 3.7 5.1 79.9 5.2

White non-Black non-Hispanic 84,310 100 3.2 4.1 4.1 83.5 5.0

Other non-Black non-Hispanic NA NA NA NA NA NA NA

Spanish only language spoken

Spanish is not the only language spoken 121,097 100 3.9 4.0 4.2 82.2 5.7

Spanish is only language spoken 2,654 100 4.9 1.9 1.8 85.3 6.1

Nativity

U.S.-born 106,397 100 4.1 4.2 4.4 81.8 5.5

Foreign born citizen 9,252 100 2.3 1.8 2.4 86.6 7.0

Foreign born non citizen 8,102 100 3.5 3.2 2.7 83.4 7.1

Age Group

15 to 24 years 6,244 100 5.7 7.0 6.1 76.4 4.9

25 to 34 years 20,464 100 5.6 5.3 5.8 77.7 5.5

35 to 44 years 21,408 100 4.8 5.5 4.8 79.4 5.5

45 to 54 years 24,551 100 4.8 4.4 4.4 80.8 5.6

55 to 64 years 22,710 100 3.2 3.2 3.3 85.4 4.9

65 years or more 28,372 100 1.5 1.5 2.3 87.9 6.8

Disability Status

Disabled 10,841 100 7.5 4.9 4.6 77.2 5.8

Not Disabled 78,293 100 4.2 4.5 4.5 81.5 5.3

Not Applicable 34,616 100 2.2 2.5 3.0 85.8 6.5

Education

No high school degree 13,871 100 5.4 3.5 2.7 82.3 6.1

High school degree 33,684 100 4.3 3.8 4.1 81.7 6.1

Some college 36,007 100 4.5 4.3 4.6 81.2 5.4

College degree 40,188 100 2.6 4.1 4.1 83.8 5.4
2013 FDIC National Survey of Unbanked and Underbaked Household

C-2 Prepaid Debit Card Use and Recency Of Use By Household Characteristics, 2013

For all unbanked households, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Used: in last 30 

days (Percent)

Used: Not in 

last 30 days but in last 12 

months 

(Percent)

Used: Not in 

last 12 months 

(Percent)

Never Used 

(Percent)

Use Unknown 

(Percent)

Employment Status

Employed 75,587 100 3.8 4.5 4.7 81.7 5.2

Unemployed 5,436 100 8.3 6.6 5.9 74.1 5.1

Not in labor force 42,727 100 3.5 2.7 2.9 84.4 6.6

Family Income

Less than $15,000 19,044 100 7.0 4.4 4.6 77.6 6.5

Between $15,000 and $30,000 21,763 100 4.6 3.7 3.7 81.7 6.3

Between $30,000 and $50,000 24,496 100 4.4 3.9 4.2 81.4 6.1

Between $50,000 and $75,000 22,552 100 2.7 3.8 4.6 83.7 5.2

At Least $75,000 35,895 100 2.4 4.2 3.7 84.9 4.9

Homeownership

Homeowner 80,136 100 2.5 3.4 3.5 85.2 5.3

Non-homeowner 43,614 100 6.6 5.0 5.2 76.9 6.3

Geographic Region

Northeast 22,199 100 2.9 3.7 3.7 83.7 6.0

Midwest 27,315 100 4.2 4.7 4.5 81.3 5.3

South 46,738 100 4.5 3.9 4.2 81.5 5.8

West 27,498 100 3.4 3.6 3.8 83.5 5.6

Metropolitan Status

Metropolitan area - Principal City 34,510 100 4.4 3.8 4.3 81.3 6.1

Metropolitan area - Balance 51,229 100 3.3 3.9 3.7 83.1 5.9

Not in Metropolitan area 19,325 100 4.5 4.3 3.8 82.6 4.8

Not Identified 18,686 100 4.1 4.2 5.2 81.5 5.1

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbaked Household

C-3 Prepaid Debit Card Use and Use In Last 12 Months By Banking Status And Household Characteristics, 

2013

For all households, column percent

Characteristics All

Used in last 12 

months

Used but not in last 

12 months Never Used Unknown

Number of Households (1000s) 123,750 9,791 5,026 101,854 7,078

Percent of Households 100 100 100 100 100

Unbanked and Underbanked (Percent)

Unbanked 7.7 21.8 9.2 6.1 10.2

Banked: Underbanked 20.0 33.2 31.9 19.2 4.5

Banked: Fully Banked 67.0 44.6 58.0 73.7 7.2

Banked: Underbanked Status Unknown 5.3 0.5 0.9 0.9 78.1

Household Type (Percent)

Married couple 47.8 42.9 42.5 48.9 42.3

Unmarried female-headed family 12.8 21.2 16.4 11.7 13.7

Unmarried male-headed family 5.1 6.6 5.3 5.0 4.3

Female individual 17.9 14.4 17.2 18.1 20.2

Male individual 16.4 14.9 18.6 16.2 19.3

Other 0.1 0.1 0.1 0.1 0.1

Race/Ethnicity (Percent)

Black 13.6 19.7 18.2 12.4 19.2

Hispanic 12.1 11.9 8.1 12.2 13.1

Asian 4.8 2.7 3.3 4.9 5.9

American Indian/Alaskan 1.2 2.2 1.2 1.1 0.9

Hawaiian/Pacific Islander 0.3 0.3 0.3 0.2 0.2

White non-Black non-Hispanic 68.1 63.2 68.9 69.1 60.6

Other non-Black non-Hispanic - - - - -

Spanish only language spoken (Percent)

Spanish is not the only language spoken 97.9 98.2 99.0 97.8 97.7

Spanish is only language spoken 2.1 1.8 1.0 2.2 2.3

Nativity (Percent)

U.S.-born 86.0 90.6 91.5 85.5 82.6

Foreign born citizen 7.5 3.8 4.2 7.9 9.2

Foreign born non citizen 6.5 5.6 4.3 6.6 8.2

Age Group (Percent)

15 to 24 years 5.0 8.1 7.6 4.7 4.3

25 to 34 years 16.5 22.9 23.6 15.6 16.0

35 to 44 years 17.3 22.5 20.2 16.7 16.8

45 to 54 years 19.8 22.9 21.6 19.5 19.4

55 to 64 years 18.4 14.9 14.5 19.0 16.0

65 years or more 22.9 8.7 12.5 24.5 27.6

Disability Status (Percent)

Disabled 8.8 13.7 10.0 8.2 8.9

Not Disabled 63.3 69.5 69.9 62.6 59.3

Not Applicable 28.0 16.8 20.1 29.2 31.8
2013 FDIC National Survey of Unbanked and Underbaked Household

C-3 Prepaid Debit Card Use and Use In Last 12 Months By Banking Status And Household Characteristics, 

2013

For all households, column percent

Characteristics All

Used in last 12 

months

Used but not in last 

12 months Never Used Unknown

Education (Percent)

No high school degree 11.2 12.6 7.4 11.2 12.1

High school degree 27.2 27.8 27.1 27.0 29.2

Some college 29.1 32.2 32.9 28.7 27.6

College degree 32.5 27.4 32.6 33.1 31.1

Employment Status (Percent)

Employed 61.1 64.7 69.7 60.7 56.1

Unemployed 4.4 8.2 6.3 4.0 4.0

Not in labor force 34.5 27.1 23.9 35.4 39.9

Family Income (Percent)

Less than $15,000 15.4 22.1 17.1 14.5 17.6

Between $15,000 and $30,000 17.6 18.4 16.1 17.5 19.4

Between $30,000 and $50,000 19.8 20.7 20.0 19.6 21.6

Between $50,000 and $75,000 18.2 14.8 20.5 18.5 16.8

At Least $75,000 29.0 24.0 26.4 29.9 24.7

Homeownership (Percent)

Homeowner 64.8 48.3 55.7 67.1 60.7

Non-homeowner 35.2 51.7 44.3 32.9 39.3

Geographic Region (Percent)

Northeast 17.9 14.9 16.2 18.2 19.0

Midwest 22.1 25.0 24.0 21.8 20.7

South 37.8 40.2 39.2 37.4 38.5

West 22.2 19.9 20.7 22.6 21.8

Metropolitan Status (Percent)

Metropolitan area - Principal City 27.9 29.1 29.2 27.6 30.1

Metropolitan area - Balance 41.4 37.9 37.2 41.8 43.2

Not in Metropolitan area 15.6 17.4 14.5 15.7 13.2

Not Identified 15.1 15.7 19.1 15.0 13.5

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbaked Household

C-4 Prepaid Debit Card Recency Of Use By Banking Status And Household Characteristics, 2013

For all households, column percent

Characteristics All

Used: in last 30 

days

Used: Not in last 

30 days but in last 12 monthsUsed: Not in last 

12 months Never Used Use Unknown

Number of Households (1000s) 123,750 4,854 4,937 5,078 101,854 7,026

Percent of Households 100 100 100 100 100 100

Unbanked and Underbanked (Percent)

Unbanked 7.7 33.2 10.6 9.2 6.1 10.2

Banked: Underbanked 20.0 33.4 32.9 31.8 19.2 4.4

Banked: Fully Banked 67.0 33.0 56.0 58.1 73.7 6.7

Banked: Underbanked Status Unknown 5.3 0.4 0.5 0.9 0.9 78.7

Household Type (Percent)

Married couple 47.8 39.4 46.3 42.7 48.9 42.1

Unmarried female-headed family 12.8 24.0 18.4 16.4 11.7 13.7

Unmarried male-headed family 5.1 7.0 6.2 5.2 5.0 4.4

Female individual 17.9 14.7 14.1 17.1 18.1 20.3

Male individual 16.4 14.9 14.9 18.5 16.2 19.4

Other 0.1 0.1 0.1 0.1 0.1 0.1

Race/Ethnicity (Percent)

Black 13.6 24.3 15.3 18.1 12.4 19.2

Hispanic 12.1 14.2 9.7 8.1 12.2 13.1

Asian 4.8 2.9 2.5 3.3 4.9 5.9

American Indian/Alaskan 1.2 2.5 1.9 1.2 1.1 0.9

Hawaiian/Pacific Islander 0.3 0.4 0.2 0.3 0.2 0.2

White non-Black non-Hispanic 68.1 55.8 70.4 68.9 69.1 60.6

Other non-Black non-Hispanic - - - - - -

Spanish only language spoken (Percent)

Spanish is not the only language spoken 97.9 97.3 99.0 99.0 97.8 97.7

Spanish is only language spoken 2.1 2.7 1.0 1.0 2.2 2.3

Nativity (Percent)

U.S.-born 86.0 89.8 91.3 91.4 85.5 82.6

Foreign born citizen 7.5 4.3 3.3 4.3 7.9 9.2

Foreign born non citizen 6.5 5.9 5.3 4.3 6.6 8.2

Age Group (Percent)

15 to 24 years 5.0 7.4 8.8 7.5 4.7 4.3

25 to 34 years 16.5 23.8 22.0 23.5 15.6 16.0

35 to 44 years 17.3 21.1 24.0 20.2 16.7 16.8

45 to 54 years 19.8 24.2 21.7 21.4 19.5 19.5

55 to 64 years 18.4 15.0 14.7 14.7 19.0 15.9

65 years or more 22.9 8.6 8.8 12.7 24.5 27.5

Disability Status (Percent)

Disabled 8.8 16.8 10.7 9.9 8.2 9.0

Not Disabled 63.3 67.3 71.7 69.9 62.6 59.2

Not Applicable 28.0 15.9 17.6 20.2 29.2 31.8
2013 FDIC National Survey of Unbanked and Underbaked Household

C-4 Prepaid Debit Card Recency Of Use By Banking Status And Household Characteristics, 2013

For all households, column percent

Characteristics All

Used: in last 30 

days

Used: Not in last 

30 days but in last 12 monthsUsed: Not in last 

12 months Never Used Use Unknown

Education (Percent)

No high school degree 11.2 15.4 9.8 7.4 11.2 12.1

High school degree 27.2 30.0 25.6 27.1 27.0 29.2

Some college 29.1 33.4 31.1 32.9 28.7 27.6

College degree 32.5 21.2 33.6 32.6 33.1 31.1

Employment Status (Percent)

Employed 61.1 59.8 69.4 69.6 60.7 56.1

Unemployed 4.4 9.2 7.3 6.4 4.0 4.0

Not in labor force 34.5 30.9 23.3 24.0 35.4 39.9

Family Income (Percent)

Less than $15,000 15.4 27.5 16.8 17.2 14.5 17.5

Between $15,000 and $30,000 17.6 20.6 16.1 16.0 17.5 19.4

Between $30,000 and $50,000 19.8 22.0 19.4 20.2 19.6 21.4

Between $50,000 and $75,000 18.2 12.4 17.2 20.3 18.5 16.8

At Least $75,000 29.0 17.4 30.4 26.3 29.9 24.8

Homeownership (Percent)

Homeowner 64.8 40.9 55.6 55.8 67.1 60.6

Non-homeowner 35.2 59.1 44.4 44.2 32.9 39.4

Geographic Region (Percent)

Northeast 17.9 13.4 16.4 16.2 18.2 19.0

Midwest 22.1 23.7 26.2 24.0 21.8 20.7

South 37.8 43.4 37.1 39.1 37.4 38.5

West 22.2 19.5 20.3 20.7 22.6 21.7

Metropolitan Status (Percent)

Metropolitan area - Principal City 27.9 31.4 26.8 29.2 27.6 30.1

Metropolitan area - Balance 41.4 35.1 40.6 37.1 41.8 43.3

Not in Metropolitan area 15.6 17.9 16.9 14.6 15.7 13.1

Not Identified 15.1 15.6 15.8 19.1 15.0 13.5

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbaked Household

C-5 Prepaid Debit Cards, Main Reason For Use By Banking Status, 2013

For all households that used prepaid debit cards in last 12 months, column percent

Characteristics All Unbanked Banked: Underbanked Banked: Fully Banked

Number of Households (1000s) 9,791 2,134 3,247 4,366

Percent of Households 100 100 100 100

Main Reason Used Prepaid Card (Percent)

To put money in a safe place 4.5 6.6 5.0 3.2

To pay for everyday purchases or pay bills 36.3 47.6 39.0 28.9

To save money for the future 1.3 1.2 2.0 0.8

To receive payments 15.6 31.8 14.3 8.7

To send or give money 13.7 1.4 12.3 20.7

To control spending 6.4 5.8 8.3 5.4

Other 21.3 5.2 17.9 31.5

Unknown 0.9 0.5 1.1 0.8

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.

C-6 Prepaid Debit Cards, All Reasons For Use By Banking Status, 2013

For all households that used prepaid debit cards in last 12 months, column percent

Characteristics All Unbanked Banked: Underbanked Banked: Fully Banked

Number of Households (1000s) 9,791 2,134 3,247 4,366

Percent of Households 100 100 100 100

To put money in a safe place (Percent)

Yes 9.6 17.7 9.8 5.6

No 89.5 81.9 89.3 93.5

Unknown 0.9 0.4 0.9 0.8

To pay for everyday purchases or pay bills (Percent)

Yes 44.5 65.0 48.4 32.0

No 54.6 34.6 50.7 67.2

Unknown 0.9 0.4 0.9 0.8

To save money for the future (Percent)

Yes 3.7 7.3 3.9 1.7

No 95.4 92.3 95.1 97.5

Unknown 0.9 0.4 0.9 0.8

To receive payments (Percent)

Yes 19.4 41.8 17.6 10.0

No 79.7 57.8 81.5 89.2

Unknown 0.9 0.4 0.9 0.8

To send or give money (Percent)

Yes 16.2 5.1 15.1 22.5

No 82.9 94.5 83.9 76.7

Unknown 0.9 0.4 0.9 0.8

To control spending (Percent)

Yes 11.5 17.3 12.8 7.8

No 87.6 82.3 86.2 91.3

Unknown 0.9 0.4 0.9 0.8
2013 FDIC National Survey of Unbanked and Underbaked Household

C-6 Prepaid Debit Cards, All Reasons For Use By Banking Status, 2013

For all households that used prepaid debit cards in last 12 months, column percent

Characteristics All Unbanked Banked: Underbanked Banked: Fully Banked

Other (Percent)

Yes 22.2 6.2 18.7 32.4

No 77.0 93.4 80.3 66.8

Unknown 0.9 0.4 0.9 0.8

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.

C-7a AFS Use By Prepaid Debit Card Use, 2013

For all unbanked households, col percent

Characteristics Used in last 12 months Used but not in last 12 months Never Used Unknown

Number of Households (1000s) 2,134 463 6,263 722

Percent of Households 100 100 100 100

Type of AFS Used in Last Year (Percent)

Used Only Transaction AFS 47.5 50.9 48.9 2.6

Used Transaction and Credit AFS 28.6 14.6 10.6 1.2

Used Only Credit AFS 3.5 6.1 2.2 -

Did not use any AFS in last year 19.4 25.5 37.0 1.9

AFS Used Type Unknown 0.7 - 0.5 11.2

Use Unknown 0.3 2.9 0.8 83.0

Check Casher, Last 12 Months (Percent)

Used in last 12 months 46.2 37.5 35.0 11.4

Used but not in last 12 months 15.5 17.5 11.6 4.3

Never Used 38.0 42.9 52.7 12.3

Unknown 0.2 2.0 0.6 72.0

Money Order, Last 12 Months (Percent)

Used in last 12 months 67.9 54.7 44.2 9.5

Used but not in last 12 months 9.5 19.4 9.7 3.5

Never Used 22.2 25.9 45.7 7.9

Unknown 0.4 - 0.4 79.1

Remittance, Last 12 Months (Percent)

Used in last 12 months 6.8 8.7 10.8 1.8

Used but not in last 12 months 5.4 4.0 3.3 0.5

Never Used 87.6 87.3 85.3 15.6

Unknown 0.2 - 0.5 82.1

Payday Loan, Last 12 Months (Percent)

Used in last 12 months 5.7 3.7 1.8 0.6

Used but not in last 12 months 12.2 12.0 4.6 0.4

Never Used 81.5 84.2 93.1 12.0

Unknown 0.6 - 0.5 86.9

Rent-to-Own, Last 12 Months (Percent)

Used in last 12 months 10.9 5.5 2.7 -

Used but not in last 12 months 18.3 16.9 4.8 -

Never Used 70.5 77.6 92.1 8.2

Unknown 0.4 - 0.4 91.8
2013 FDIC National Survey of Unbanked and Underbaked Household

C-7a AFS Use By Prepaid Debit Card Use, 2013

For all unbanked households, col percent

Characteristics Used in last 12 months Used but not in last 12 months Never Used Unknown

Pawn Shop, Last 12 Months (Percent)

Used in last 12 months 17.8 13.7 7.9 0.6

Used but not in last 12 months 18.9 20.2 7.5 1.3

Never Used 62.8 65.3 84.1 10.3

Unknown 0.5 0.9 0.5 87.9

Auto Title Loan, Last 12 Months (Percent)

Used in last 12 months 3.7 1.2 1.2 -

Used but not in last 12 months 6.0 9.8 1.8 -

Never Used 89.9 89.0 96.7 8.2

Unknown 0.4 - 0.4 91.8

Refund Anticipation Loan, Last 12 Months 

(Percent)

Used in last 12 months 8.1 3.7 2.8 -

Used but not in last 12 months 11.2 13.3 3.7 -

Never Used 80.3 83.0 92.9 9.5

Unknown 0.5 - 0.6 90.5

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.

C-7b AFS Use By Prepaid Debit Card Use, 2013

For all banked households, col percent

Characteristics Used in last 12 months

Used but not in last 12 

months Never Used Unknown

Number of Households (1000s) 7,657 4,563 95,591 6,356

Percent of Households 100 100 100 100

Type of AFS Used in Last Year (Percent)

Used Only Transaction AFS 25.8 22.8 14.8 1.7

Used Transaction and Credit AFS 11.1 7.3 2.6 0.2

Used Only Credit AFS 5.0 4.9 3.0 0.1

Did not use any AFS in last year 57.0 63.9 78.6 8.0

AFS Used Type Unknown 0.5 0.2 0.1 3.0

Use Unknown 0.6 1.0 0.9 87.0

Check Casher, Last 12 Months (Percent)

Used in last 12 months 12.2 7.8 3.4 1.1

Used but not in last 12 months 7.6 11.1 4.4 1.4

Never Used 79.9 80.7 91.7 23.6

Unknown 0.2 0.4 0.4 73.8

Money Order, Last 12 Months (Percent)

Used in last 12 months 31.5 24.3 13.7 3.7

Used but not in last 12 months 13.7 20.5 10.8 2.5

Never Used 54.5 54.8 75.1 16.7

Unknown 0.4 0.5 0.4 77.1
2013 FDIC National Survey of Unbanked and Underbaked Household

C-7b AFS Use By Prepaid Debit Card Use, 2013

For all banked households, col percent

Characteristics Used in last 12 months

Used but not in last 12 

months Never Used Unknown

Remittance, Last 12 Months (Percent)

Used in last 12 months 5.3 3.4 3.2 0.6

Used but not in last 12 months 2.9 4.8 1.6 0.6

Never Used 91.5 91.3 94.8 19.6

Unknown 0.4 0.4 0.4 79.2

Payday Loan, Last 12 Months (Percent)

Used in last 12 months 4.3 4.7 1.7 0.2

Used but not in last 12 months 6.3 6.8 1.9 0.2

Never Used 88.9 88.2 96.1 17.8

Unknown 0.5 0.3 0.3 81.8

Rent-to-Own, Last 12 Months (Percent)

Used in last 12 months 5.0 2.4 0.9 -

Used but not in last 12 months 7.2 7.7 2.3 0.1

Never Used 87.5 89.5 96.6 13.6

Unknown 0.3 0.3 0.2 86.3

Pawn Shop, Last 12 Months (Percent)

Used in last 12 months 6.7 4.4 2.0 0.1

Used but not in last 12 months 8.5 11.3 3.6 0.4

Never Used 84.5 83.9 94.2 16.2

Unknown 0.3 0.4 0.2 83.3

Auto Title Loan, Last 12 Months (Percent)

Used in last 12 months 2.3 1.3 0.7 0.1

Used but not in last 12 months 4.3 4.8 1.5 0.1

Never Used 93.0 93.4 97.6 12.1

Unknown 0.5 0.5 0.2 87.8

Refund Anticipation Loan, Last 12 Months (Percent)

Used in last 12 months 3.7 2.7 1.5 -

Used but not in last 12 months 7.0 7.9 2.2 0.4

Never Used 88.6 89.0 95.9 13.6

Unknown 0.7 0.4 0.4 86.0

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbaked Household

C-8 Sources of Prepaid Debit Cards By Banking Status, 2013

For all households that used prepaid debit cards in last 12 months, column percent

Characteristics All Unbanked Banked: Underbanked Banked: Fully Banked

Number of Households (1000s) 9,791 2,134 3,247 4,366

Percent of Households 100 100 100 100

Prepaid Card Typical Location to Get It (Percent)

Large retail or department store 31.5 34.2 36.7 26.5

Grocery, liquor, convenience, or drug store 18.7 17.7 20.2 18.1

Stand alone non-bank financial services store 4.1 9.6 4.5 1.1

A bank branch 10.7 4.2 8.7 15.4

Internet/Online 4.2 5.3 5.4 2.9

Over the telephone 0.7 1.8 0.4 0.3

Provided by Someone Else 17.8 13.3 15.0 22.1

Unknown 12.4 13.9 9.2 13.5

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.

C-9 Prepaid Debit Cards, Reload In Last 12 Months By Banking Status, Recency Of Prepaid Card Use And 

Household Characteristics, 2013

For all households that used prepaid debit cards in last 12 months, row percent

Characteristics

Number of Households 

(1000s) Percent of Households

Card Was Reloaded 

(Percent)

Card Was Not Reloaded 

(Percent) Unknown (Percent)

All 9,791 100 37.3 61.8 0.9

Unbanked and Underbanked

Unbanked 2,134 100 57.8 41.9 0.3

Banked: Underbanked 3,247 100 42.9 56.1 1.0

Banked: Fully Banked 4,366 100 23.4 75.8 0.8

Banked: Underbanked Status Unknown NA NA NA NA NA

Prepaid Card Use

in last 30 days 4,854 100 53.8 45.3 0.9

Not in last 30 days but in last 12 months 4,937 100 21.1 78.0 0.9

Household Type

Married couple 4,198 100 31.3 67.9 0.8

Unmarried female-headed family 2,073 100 47.4 52.2 0.4

Unmarried male-headed family 646 100 46.3 53.2 0.5

Female individual 1,406 100 36.9 61.9 1.2

Male individual 1,459 100 36.6 61.6 1.8

Other NA NA NA NA NA

Race/Ethnicity

Black 1,932 100 54.7 45.1 0.2

Hispanic 1,164 100 44.7 55.3 -

Asian 264 100 33.8 66.2 -

American Indian/Alaskan 215 100 44.8 55.2 -

Hawaiian/Pacific Islander NA NA NA NA NA

White non-Black non-Hispanic 6,185 100 30.3 68.3 1.4
2013 FDIC National Survey of Unbanked and Underbaked Household

C-9 Prepaid Debit Cards, Reload In Last 12 Months By Banking Status, Recency Of Prepaid Card Use And 

Household Characteristics, 2013

For all households that used prepaid debit cards in last 12 months, row percent

Characteristics

Number of Households 

(1000s) Percent of Households

Card Was Reloaded 

(Percent)

Card Was Not Reloaded 

(Percent) Unknown (Percent)

Spanish only language spoken

Spanish is not the only language spoken 9,611 100 37.1 62.0 0.9

Spanish is only language spoken 180 100 47.5 50.9 1.6

Nativity

U.S.-born 8,867 100 36.8 62.2 1.0

Foreign born citizen 373 100 38.6 61.0 0.4

Foreign born non citizen 551 100 44.2 55.8 -

Age Group

15 to 24 years 793 100 41.7 57.7 0.6

25 to 34 years 2,240 100 40.9 58.0 1.1

35 to 44 years 2,208 100 39.0 60.4 0.6

45 to 54 years 2,246 100 35.3 63.8 0.9

55 to 64 years 1,455 100 34.3 64.4 1.3

65 years or more 850 100 29.9 69.2 0.8

Education

No high school degree 1,232 100 45.0 54.5 0.5

High school degree 2,718 100 43.1 55.8 1.1

Some college 3,158 100 42.8 56.2 0.9

College degree 2,684 100 21.4 77.6 0.9

Employment Status

Employed 6,333 100 35.4 63.6 1.1

Unemployed 807 100 47.9 50.3 1.8

Not in labor force 2,651 100 38.7 61.0 0.3

Family Income

Less than $15,000 2,165 100 44.1 54.9 1.0

Between $15,000 and $30,000 1,799 100 46.3 52.7 1.0

Between $30,000 and $50,000 2,027 100 43.7 55.5 0.8

Between $50,000 and $75,000 1,453 100 32.1 67.0 1.0

At Least $75,000 2,347 100 21.9 77.3 0.8

Homeownership

Homeowner 4,731 100 28.4 70.7 0.9

Non-homeowner 5,061 100 45.6 53.4 0.9

Geographic Region

Northeast 1,463 100 30.6 68.4 1.0

Midwest 2,444 100 31.5 67.1 1.3

South 3,935 100 44.1 55.2 0.6

West 1,949 100 35.8 63.3 0.9

Metropolitan Status

Metropolitan area - Principal City 2,846 100 38.7 60.4 0.9

Metropolitan area - Balance 3,706 100 34.3 64.4 1.3

Not in Metropolitan area 1,702 100 38.2 61.2 0.6

Not Identified 1,537 100 40.9 58.7 0.4
2013 FDIC National Survey of Unbanked and Underbaked Household

C-9 Prepaid Debit Cards, Reload In Last 12 Months By Banking Status, Recency Of Prepaid Card Use And 

Household Characteristics, 2013

For all households that used prepaid debit cards in last 12 months, row percent

Characteristics

Number of Households 

(1000s) Percent of Households

Card Was Reloaded 

(Percent)

Card Was Not Reloaded 

(Percent) Unknown (Percent)

Disability Status

Disabled 1,343 100 42.6 56.4 0.9

Not Disabled 6,806 100 36.7 62.4 1.0

Not Applicable 1,643 100 35.6 63.7 0.7

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households

C-10 Prepaid Debit Cards, Reload Location By Banking Status, 2013

For all households that reloaded prepaid debit cards in last 12 months, column percent

Characteristics All Unbanked Banked: Underbanked Banked: Fully Banked

Number of Households (1000s) 3,653 1,234 1,393 1,020

Percent of Households 100 100 100 100

Bank teller (Percent)

Yes 14.4 3.3 15.0 26.6

No 84.0 96.0 83.3 70.8

Unknown 1.7 0.7 1.7 2.6

ATM/Kiosk (Percent)

Yes 6.8 8.9 6.6 4.6

No 91.5 90.4 91.8 92.7

Unknown 1.7 0.7 1.7 2.6

Retail store clerk (Percent)

Yes 50.7 58.1 58.4 31.5

No 47.6 41.2 39.9 65.9

Unknown 1.7 0.7 1.7 2.6

Telephone (Percent)

Yes 6.7 8.1 6.0 6.1

No 91.6 91.2 92.4 91.3

Unknown 1.7 0.7 1.7 2.6

Mobile Phone through text messaging, phone Internet 

browser, mobile app, email (Percent)

Yes 4.3 5.4 2.7 5.4

No 94.0 93.9 95.6 92.0

Unknown 1.7 0.7 1.7 2.6

Online through desktop, laptop, or tablet (Percent)

Yes 11.2 6.1 10.5 18.2

No 87.1 93.1 87.8 79.2

Unknown 1.7 0.7 1.7 2.6

Direct Deposit of paycheck (Percent)

Yes 17.7 27.7 12.9 12.5

No 80.6 71.6 85.4 84.9

Unknown 1.7 0.7 1.7 2.6

Other (Percent)

Yes 4.6 7.2 4.4 2.0

No 93.7 92.1 94.0 95.4

Unknown 1.7 0.7 1.7 2.6

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underbaked Household
2013 FDIC National Survey of Unbanked and Underaned Households

Appendix D – Alternative Financial Services: 

National Tables
2013 FDIC National Survey of Unbanked and Underaned Households

D-1 AFS Use In Last 12 Months By Banking Status And Household Characteristics, 2013

For all households, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households Has Used (Percent)

Has Not Used 

(Percent) Unknown (Percent)

All 123,750 100 24.9 69.3 5.8

Unbanked

Unbanked 9,582 100 63.2 29.9 7.0

Has bank account 114,168 100 21.7 72.6 5.7

Household Type

Married couple 59,102 100 20.1 74.7 5.2

Unmarried female-headed family 15,802 100 41.3 52.9 5.9

Unmarried male-headed family 6,327 100 37.5 57.3 5.2

Female individual 22,150 100 21.2 72.0 6.8

Male individual 20,240 100 26.2 67.1 6.7

Other 128 100 31.7 60.8 7.6

Race/Ethnicity

Black 16,801 100 46.1 45.8 8.1

Hispanic 14,948 100 40.3 53.6 6.1

Asian 5,882 100 18.7 74.5 6.8

American Indian/Alaskan 1,464 100 38.6 56.5 5.0

Hawaiian/Pacific Islander 314 100 27.2 67.6 5.2

White non-Black non-Hispanic 84,310 100 18.1 76.6 5.3

Other non-Black non-Hispanic NA NA NA NA NA

Spanish only language spoken

Spanish is not the only language 

spoken 121,097 100 24.4 69.8 5.8

Spanish is only language spoken 2,654 100 46.3 48.2 5.5

Nativity

U.S.-born 106,397 100 23.4 71.0 5.6

Foreign born citizen 9,252 100 26.9 65.9 7.1

Foreign born non citizen 8,102 100 42.8 50.3 6.9

Age Group

15 to 24 years 6,244 100 41.5 53.5 5.0

25 to 34 years 20,464 100 33.6 61.2 5.2

35 to 44 years 21,408 100 29.6 65.0 5.4

45 to 54 years 24,551 100 26.7 67.6 5.7

55 to 64 years 22,710 100 20.9 73.6 5.4

65 years or more 28,372 100 13.1 79.8 7.1

Disability Status

Disabled 10,841 100 38.7 55.3 6.0

Not Disabled 78,293 100 26.0 68.7 5.4

Not Applicable 34,616 100 18.2 75.1 6.7
2013 FDIC National Survey of Unbanked and Underaned Households

D-1 AFS Use In Last 12 Months By Banking Status And Household Characteristics, 2013

For all households, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households Has Used (Percent)

Has Not Used 

(Percent) Unknown (Percent)

Education

No high school degree 13,871 100 39.5 54.4 6.2

High school degree 33,684 100 28.7 65.0 6.3

Some college 36,007 100 26.9 67.5 5.6

College degree 40,188 100 14.9 79.6 5.5

Employment Status

Employed 75,587 100 25.6 69.1 5.3

Unemployed 5,436 100 41.0 54.2 4.8

Not in labor force 42,727 100 21.6 71.7 6.8

Family Income

Less than $15,000 19,044 100 39.1 54.5 6.4

Between $15,000 and $30,000 21,763 100 33.1 60.5 6.4

Between $30,000 and $50,000 24,496 100 26.5 67.2 6.3

Between $50,000 and $75,000 22,552 100 20.9 73.6 5.4

At Least $75,000 35,895 100 13.8 81.2 5.0

Homeownership

Homeowner 80,136 100 17.0 77.5 5.5

Non-homeowner 43,614 100 39.4 54.2 6.4

Geographic Region

Northeast 22,199 100 23.6 70.4 6.0

Midwest 27,315 100 21.0 73.2 5.8

South 46,738 100 29.3 64.9 5.8

West 27,498 100 22.3 71.9 5.7

Metropolitan Status

Metropolitan area - Principal City 34,510 100 29.6 64.1 6.3

Metropolitan area - Balance 51,229 100 21.2 72.7 6.0

Not in Metropolitan area 19,325 100 26.3 68.6 5.1

Not Identified 18,686 100 24.8 70.1 5.1

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households

D-2 AFS Recency Of Use By Banking Status And Household Characteristics, 2013

For all households, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Used: in last 

30 days 

(Percent)

Used: Not in 

last 30 days 

but in last 12 

months 

(Percent)

Used: Not in 

last 12 

months 

(Percent)

Never Used 

(Percent)

Use 

Unknown 

(Percent)

All 123,750 100 12.0 12.9 14.4 55.3 5.4

Unbanked

Unbanked 9,582 100 47.0 16.2 10.7 19.9 6.2

Has bank account 114,168 100 9.1 12.6 14.7 58.2 5.3

Household Type

Married couple 59,102 100 8.5 11.6 14.1 60.9 4.9

Unmarried female-headed family 15,802 100 23.1 18.1 13.6 39.8 5.3

Unmarried male-headed family 6,327 100 21.4 16.1 13.7 44.0 4.9

Female individual 22,150 100 9.6 11.5 15.1 57.5 6.3

Male individual 20,240 100 13.2 13.0 15.5 52.0 6.3

Other 128 100 16.8 14.9 16.9 43.9 7.6

Race/Ethnicity

Black 16,801 100 25.9 20.2 13.8 32.6 7.5

Hispanic 14,948 100 24.6 15.8 10.7 43.1 5.8

Asian 5,882 100 6.5 12.2 10.0 64.7 6.5

American Indian/Alaskan 1,464 100 21.3 17.2 17.7 39.2 4.5

Hawaiian/Pacific Islander 314 100 15.3 11.9 8.9 59.7 4.2

White non-Black non-Hispanic 84,310 100 7.3 10.9 15.5 61.5 4.9

Other non-Black non-Hispanic NA NA NA NA NA NA NA

Spanish only language spoken

Spanish is not the only language 

spoken 121,097 100 11.5 12.9 14.5 55.6 5.4

Spanish is only language spoken 2,654 100 34.1 12.2 10.0 38.8 4.8

Nativity

U.S.-born 106,397 100 10.9 12.5 15.3 56.1 5.2

Foreign born citizen 9,252 100 12.0 14.9 8.9 57.4 6.8

Foreign born non citizen 8,102 100 27.5 15.3 9.0 41.9 6.3

Age Group

15 to 24 years 6,244 100 22.7 18.8 9.9 43.7 4.9

25 to 34 years 20,464 100 17.3 16.3 14.1 47.4 4.9

35 to 44 years 21,408 100 14.1 15.5 14.8 50.6 5.0

45 to 54 years 24,551 100 13.2 13.5 14.8 53.2 5.3

55 to 64 years 22,710 100 9.1 11.8 15.6 58.5 4.9

65 years or more 28,372 100 5.6 7.5 14.1 66.1 6.7

Disability Status

Disabled 10,841 100 21.9 16.8 18.0 38.1 5.3

Not Disabled 78,293 100 12.2 13.8 14.4 54.6 5.0

Not Applicable 34,616 100 8.7 9.5 13.4 62.1 6.4
2013 FDIC National Survey of Unbanked and Underaned Households

D-2 AFS Recency Of Use By Banking Status And Household Characteristics, 2013

For all households, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Used: in last 

30 days 

(Percent)

Used: Not in 

last 30 days 

but in last 12 

months 

(Percent)

Used: Not in 

last 12 

months 

(Percent)

Never Used 

(Percent)

Use 

Unknown 

(Percent)

Education

No high school degree 13,871 100 25.5 14.0 12.8 42.2 5.6

High school degree 33,684 100 14.7 14.0 14.2 51.2 5.9

Some college 36,007 100 12.7 14.2 15.4 52.5 5.2

College degree 40,188 100 4.5 10.3 14.3 65.7 5.2

Employment Status

Employed 75,587 100 12.0 13.6 14.3 55.1 5.0

Unemployed 5,436 100 21.3 19.7 14.7 39.8 4.5

Not in labor force 42,727 100 10.8 10.7 14.6 57.5 6.3

Family Income

Less than $15,000 19,044 100 23.5 15.6 14.0 41.1 5.9

Between $15,000 and $30,000 21,763 100 18.6 14.5 13.6 47.3 6.1

Between $30,000 and $50,000 24,496 100 12.7 13.8 15.0 52.7 5.7

Between $50,000 and $75,000 22,552 100 7.8 13.1 15.6 58.2 5.2

At Least $75,000 35,895 100 4.1 9.7 14.0 67.5 4.7

Homeownership

Homeowner 80,136 100 6.4 10.6 15.0 62.9 5.1

Non-homeowner 43,614 100 22.3 17.1 13.5 41.2 5.9

Geographic Region

Northeast 22,199 100 10.4 13.2 14.2 56.6 5.6

Midwest 27,315 100 10.4 10.6 14.3 59.4 5.3

South 46,738 100 14.6 14.7 14.9 50.5 5.4

West 27,498 100 10.6 11.7 14.1 58.2 5.4

Metropolitan Status

Metropolitan area - Principal City 34,510 100 15.7 13.9 13.1 51.3 6.0

Metropolitan area - Balance 51,229 100 9.5 11.8 14.2 58.9 5.7

Not in Metropolitan area 19,325 100 12.0 14.3 16.2 53.0 4.6

Not Identified 18,686 100 12.3 12.5 15.6 55.0 4.5

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households

D-3 Percent Of Households That Used AFS In Last 12 Months By Banking Status, Household Characteristics 

And Year, 2011 - 2013

All households (AFS use is based on 2011 list of AFS)

Characteristics 2011 2013 Estimate Diff from 2011

Unbanked

Unbanked 64.9 63.1 -1.8

Has bank account 21.9 21.4 -0.5

Household Type

Married couple 21.1 19.8 -1.3*

Unmarried female-headed family 43.1 41.0 -2.09*

Unmarried male-headed family 39.6 37.1 -2.5

Female individual 19.4 21.0 1.62*

Male individual 26.5 26.0 -0.5

Other 28.6 31.7 3.0

Race/Ethnicity

Black 47.6 45.9 -1.75*

Hispanic 42.1 40.2 -1.9

Asian 17.4 18.4 1.1

American Indian/Alaskan 37.2 38.6 1.4

Hawaiian/Pacific Islander 34.8 27.2 -7.7

White non-Black non-Hispanic 18.7 17.9 -0.85*

Other non-Black non-Hispanic 12.7 5.4 -7.3

Spanish only language spoken

Spanish is not the only language spoken 24.9 24.2 -0.67*

Spanish is only language spoken 52.7 46.3 -6.4*

Nativity

U.S.-born 24.1 23.1 -0.97*

Foreign born citizen 24.9 26.6 1.7

Foreign born non citizen 43.6 42.7 -0.9

Age Group

15 to 24 years 42.7 41.3 -1.4

25 to 34 years 33.8 33.3 -0.5

35 to 44 years 29.8 29.2 -0.6

45 to 54 years 26.8 26.5 -0.3

55 to 64 years 21.6 20.8 -0.9

65 years or more 12.8 12.9 0.1

Disability Status

Disabled 38.9 38.5 -0.4

Not Disabled 26.3 25.7 -0.6

Not Applicable 18.7 18.0 -0.7
2013 FDIC National Survey of Unbanked and Underaned Households

D-3 Percent Of Households That Used AFS In Last 12 Months By Banking Status, Household Characteristics 

And Year, 2011 - 2013

All households (AFS use is based on 2011 list of AFS)

Characteristics 2011 2013 Estimate Diff from 2011

Education

No high school degree 40.6 39.3 -1.3

High school degree 29.5 28.4 -1.1

Some college 26.7 26.7 -0.0

College degree 14.8 14.7 -0.1

Employment Status

Employed 25.1 25.3 0.2

Unemployed 44.1 40.9 -3.23*

Not in labor force 22.8 21.5 -1.38*

Family Income

Less than $15,000 39.8 38.9 -0.9

Between $15,000 and $30,000 33.2 32.9 -0.4

Between $30,000 and $50,000 26.5 26.2 -0.3

Between $50,000 and $75,000 20.2 20.7 0.5

At Least $75,000 14.0 13.6 -0.5

Homeownership

Homeowner 17.6 16.7 -0.84*

Non-homeowner 40.5 39.2 -1.25*

Geographic Region

Northeast 22.3 23.3 1.0

Midwest 22.3 20.8 -1.51*

South 29.8 29.0 -0.8

West 23.7 22.2 -1.52*

Metropolitan Status

Metropolitan area - Principal City 30.1 29.4 -0.7

Metropolitan area - Balance 22.3 21.1 -1.24*

Not in Metropolitan area 26.0 25.8 -0.2

Not Identified 24.6 24.5 -0.1

Based on the following AFS products: Check Cashing, Money order, Remittance, Payday Loan, Rent-to-own, Pawn, Refund-Anticipation-Loan

* Indicates differences that are statistically significant at the 10% level.

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households

D-4 Transaction AFS Use In Last 12 Months By Banking Status And Household Characteristics, 2013

For all households, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households Has Used (Percent)

Has Not Used 

(Percent) Unknown (Percent)

All 123,750 100 21.9 72.9 5.2

Unbanked

Unbanked 9,582 100 60.5 33.1 6.4

Has bank account 114,168 100 18.6 76.3 5.1

Household Type

Married couple 59,102 100 17.6 77.8 4.7

Unmarried female-headed family 15,802 100 36.0 58.8 5.2

Unmarried male-headed family 6,327 100 33.0 62.4 4.6

Female individual 22,150 100 18.7 75.2 6.1

Male individual 20,240 100 23.5 70.5 6.0

Other 128 100 21.3 71.1 7.6

Race/Ethnicity

Black 16,801 100 41.9 50.7 7.4

Hispanic 14,948 100 36.8 57.5 5.7

Asian 5,882 100 17.4 76.3 6.3

American Indian/Alaskan 1,464 100 34.0 62.7 3.3

Hawaiian/Pacific Islander 314 100 25.3 69.5 5.2

White non-Black non-Hispanic 84,310 100 15.4 80.0 4.6

Other non-Black non-Hispanic NA NA NA NA NA

Spanish only language spoken

Spanish is not the only language 

spoken 121,097 100 21.4 73.4 5.2

Spanish is only language spoken 2,654 100 45.3 49.7 5.0

Nativity

U.S.-born 106,397 100 20.1 74.9 5.0

Foreign born citizen 9,252 100 25.2 68.1 6.7

Foreign born non citizen 8,102 100 41.4 52.3 6.3

Age Group

15 to 24 years 6,244 100 37.2 58.1 4.7

25 to 34 years 20,464 100 29.5 65.7 4.8

35 to 44 years 21,408 100 25.4 69.7 5.0

45 to 54 years 24,551 100 23.3 71.6 5.0

55 to 64 years 22,710 100 18.4 76.8 4.8

65 years or more 28,372 100 12.0 81.8 6.2

Disability Status

Disabled 10,841 100 32.8 61.9 5.3

Not Disabled 78,293 100 22.7 72.4 4.9

Not Applicable 34,616 100 16.5 77.5 5.9
2013 FDIC National Survey of Unbanked and Underaned Households

D-4 Transaction AFS Use In Last 12 Months By Banking Status And Household Characteristics, 2013

For all households, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households Has Used (Percent)

Has Not Used 

(Percent) Unknown (Percent)

Education

No high school degree 13,871 100 36.0 58.7 5.3

High school degree 33,684 100 25.0 69.4 5.6

Some college 36,007 100 23.1 71.9 5.0

College degree 40,188 100 13.4 81.7 5.0

Employment Status

Employed 75,587 100 22.4 72.7 4.8

Unemployed 5,436 100 35.6 60.4 4.0

Not in labor force 42,727 100 19.2 74.8 6.0

Family Income

Less than $15,000 19,044 100 35.4 58.9 5.7

Between $15,000 and $30,000 21,763 100 29.1 65.1 5.9

Between $30,000 and $50,000 24,496 100 22.6 71.8 5.6

Between $50,000 and $75,000 22,552 100 17.9 77.2 4.9

At Least $75,000 35,895 100 12.5 83.1 4.4

Homeownership

Homeowner 80,136 100 14.7 80.4 4.9

Non-homeowner 43,614 100 35.2 59.1 5.8

Geographic Region

Northeast 22,199 100 21.7 72.9 5.4

Midwest 27,315 100 18.0 76.9 5.1

South 46,738 100 25.6 69.2 5.2

West 27,498 100 19.5 75.4 5.1

Metropolitan Status

Metropolitan area - Principal City 34,510 100 26.7 67.7 5.7

Metropolitan area - Balance 51,229 100 18.8 75.8 5.3

Not in Metropolitan area 19,325 100 22.3 73.1 4.6

Not Identified 18,686 100 21.0 74.4 4.5

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households

D-5 AFS Credit Use In Last 12 Months By Banking Status And Household Characteristics, 2013

For all households, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households Has Used (Percent)

Has Not Used 

(Percent) Unknown (Percent)

All 123,750 100 7.0 87.2 5.8

Unbanked

Unbanked 9,582 100 16.7 75.4 8.0

Has bank account 114,168 100 6.2 88.2 5.6

Household Type

Married couple 59,102 100 5.2 89.9 4.9

Unmarried female-headed family 15,802 100 15.1 78.6 6.3

Unmarried male-headed family 6,327 100 12.4 82.0 5.6

Female individual 22,150 100 5.3 88.0 6.7

Male individual 20,240 100 6.2 87.0 6.8

Other 128 100 15.5 76.9 7.6

Race/Ethnicity

Black 16,801 100 13.6 77.9 8.5

Hispanic 14,948 100 9.4 84.2 6.4

Asian 5,882 100 2.4 91.1 6.5

American Indian/Alaskan 1,464 100 12.3 82.6 5.1

Hawaiian/Pacific Islander 314 100 7.8 87.0 5.2

White non-Black non-Hispanic 84,310 100 5.5 89.4 5.1

Other non-Black non-Hispanic NA NA NA NA NA

Spanish only language spoken

Spanish is not the only language 

spoken 121,097 100 7.1 87.2 5.7

Spanish is only language spoken 2,654 100 4.7 88.3 6.9

Nativity

U.S.-born 106,397 100 7.4 87.1 5.5

Foreign born citizen 9,252 100 3.8 88.9 7.3

Foreign born non citizen 8,102 100 6.0 87.1 6.8

Age Group

15 to 24 years 6,244 100 12.5 82.5 4.9

25 to 34 years 20,464 100 10.7 84.0 5.3

35 to 44 years 21,408 100 9.6 84.9 5.5

45 to 54 years 24,551 100 8.1 86.2 5.7

55 to 64 years 22,710 100 5.0 89.7 5.2

65 years or more 28,372 100 1.9 91.2 6.9

Disability Status

Disabled 10,841 100 14.5 79.4 6.2

Not Disabled 78,293 100 7.4 87.2 5.3

Not Applicable 34,616 100 3.8 89.6 6.6
2013 FDIC National Survey of Unbanked and Underaned Households

D-5 AFS Credit Use In Last 12 Months By Banking Status And Household Characteristics, 2013

For all households, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households Has Used (Percent)

Has Not Used 

(Percent) Unknown (Percent)

Education

No high school degree 13,871 100 11.4 82.0 6.6

High school degree 33,684 100 8.6 85.1 6.3

Some college 36,007 100 8.8 85.7 5.5

College degree 40,188 100 2.7 92.1 5.2

Employment Status

Employed 75,587 100 7.2 87.5 5.3

Unemployed 5,436 100 16.0 78.8 5.2

Not in labor force 42,727 100 5.6 87.8 6.6

Family Income

Less than $15,000 19,044 100 11.4 82.0 6.6

Between $15,000 and $30,000 21,763 100 11.0 82.3 6.7

Between $30,000 and $50,000 24,496 100 8.1 85.6 6.3

Between $50,000 and $75,000 22,552 100 5.4 89.3 5.3

At Least $75,000 35,895 100 2.6 92.8 4.7

Homeownership

Homeowner 80,136 100 4.2 90.5 5.3

Non-homeowner 43,614 100 12.3 81.2 6.5

Geographic Region

Northeast 22,199 100 4.3 90.0 5.7

Midwest 27,315 100 6.4 87.8 5.7

South 46,738 100 9.0 85.1 5.9

West 27,498 100 6.4 88.0 5.6

Metropolitan Status

Metropolitan area - Principal City 34,510 100 7.9 85.9 6.2

Metropolitan area - Balance 51,229 100 5.5 88.5 6.0

Not in Metropolitan area 19,325 100 8.3 86.7 5.0

Not Identified 18,686 100 8.4 86.7 4.9

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households

D-6 AFS Transaction And Credit Use In The Last 12 Months By Banking Status And Household 

Characteristics, 2013

For all households, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Used Only 

Transaction 

AFS 

(Percent)

Used 

Transaction 

and Credit 

AFS 

(Percent)

Used Only 

Credit AFS 

(Percent)

Did not use 

any AFS in 

last year 

(Percent)

AFS Used 

Type 

Unknown 

(Percent)

Use 

Unknown 

(Percent)

All 123,750 100 17.5 4.0 3.0 69.3 0.4 5.8

Unbanked

Unbanked 9,582 100 45.2 14.1 2.5 29.9 1.4 7.0

Has bank account 114,168 100 15.2 3.2 3.0 72.6 0.3 5.7

Banking Status and AFS Use in Last 

12 Months

Unbanked and Used AFS in Last 12 

Months 6,053 100 71.6 22.3 4.0 0.0 2.1 0.0

Underbanked (Banked and Used AFS 

in Last 12 Months) 24,757 100 69.9 14.7 13.9 0.0 1.5 0.0

Household Type

Married couple 59,102 100 14.7 2.7 2.5 74.7 0.3 5.2

Unmarried female-headed family 15,802 100 25.3 9.9 5.2 52.9 0.8 5.9

Unmarried male-headed family 6,327 100 24.5 8.0 4.5 57.3 0.6 5.2

Female individual 22,150 100 15.5 2.8 2.4 72.0 0.4 6.8

Male individual 20,240 100 19.5 3.6 2.6 67.1 0.5 6.7

Other 128 100 16.2 5.1 10.4 60.8 - 7.6

Race/Ethnicity

Black 16,801 100 31.5 9.4 4.1 45.8 1.1 8.1

Hispanic 14,948 100 30.2 5.9 3.5 53.6 0.7 6.1

Asian 5,882 100 15.9 1.2 1.3 74.5 0.3 6.8

American Indian/Alaskan 1,464 100 25.6 7.7 4.6 56.5 0.6 5.0

Hawaiian/Pacific Islander 314 100 19.4 5.9 1.9 67.6 - 5.2

White non-Black non-Hispanic 84,310 100 12.4 2.8 2.8 76.6 0.2 5.3

Other non-Black non-Hispanic NA NA NA NA NA NA NA NA

Spanish only language spoken

Spanish is not the only language 

spoken 121,097 100 17.0 4.0 3.0 69.8 0.4 5.8

Spanish is only language spoken 2,654 100 39.8 3.8 1.0 48.2 1.7 5.5

Nativity

U.S.-born 106,397 100 15.6 4.1 3.2 71.0 0.4 5.6

Foreign born citizen 9,252 100 22.4 2.1 1.7 65.9 0.7 7.1

Foreign born non citizen 8,102 100 36.1 4.6 1.4 50.3 0.7 6.9

Age Group

15 to 24 years 6,244 100 28.8 8.3 4.2 53.5 0.2 5.0

25 to 34 years 20,464 100 22.4 6.6 4.0 61.2 0.6 5.2

35 to 44 years 21,408 100 19.6 5.4 4.2 65.0 0.4 5.4

45 to 54 years 24,551 100 18.1 4.7 3.4 67.6 0.5 5.7

55 to 64 years 22,710 100 15.6 2.5 2.5 73.6 0.4 5.4

65 years or more 28,372 100 10.8 0.9 1.0 79.8 0.3 7.1
2013 FDIC National Survey of Unbanked and Underaned Households

D-6 AFS Transaction And Credit Use In The Last 12 Months By Banking Status And Household 

Characteristics, 2013

For all households, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Used Only 

Transaction 

AFS 

(Percent)

Used 

Transaction 

and Credit 

AFS 

(Percent)

Used Only 

Credit AFS 

(Percent)

Did not use 

any AFS in 

last year 

(Percent)

AFS Used 

Type 

Unknown 

(Percent)

Use 

Unknown 

(Percent)

Education

No high school degree 13,871 100 27.3 7.9 3.4 54.4 0.7 6.2

High school degree 33,684 100 19.7 4.8 3.7 65.0 0.5 6.3

Some college 36,007 100 17.7 4.9 3.8 67.5 0.4 5.6

College degree 40,188 100 12.0 1.2 1.5 79.6 0.2 5.5

Employment Status

Employed 75,587 100 18.0 4.0 3.2 69.1 0.5 5.3

Unemployed 5,436 100 24.3 10.6 5.4 54.2 0.7 4.8

Not in labor force 42,727 100 15.7 3.3 2.3 71.7 0.3 6.8

Family Income

Less than $15,000 19,044 100 27.2 7.7 3.7 54.5 0.6 6.4

Between $15,000 and $30,000 21,763 100 21.4 7.0 4.0 60.5 0.7 6.4

Between $30,000 and $50,000 24,496 100 17.9 4.2 4.0 67.2 0.4 6.3

Between $50,000 and $75,000 22,552 100 15.2 2.3 3.0 73.6 0.4 5.4

At Least $75,000 35,895 100 11.0 1.2 1.3 81.2 0.2 5.0

Homeownership

Homeowner 80,136 100 12.5 1.8 2.3 77.5 0.3 5.5

Non-homeowner 43,614 100 26.6 8.0 4.2 54.2 0.6 6.4

Geographic Region

Northeast 22,199 100 19.0 2.4 1.9 70.4 0.3 6.0

Midwest 27,315 100 14.2 3.5 2.9 73.2 0.4 5.8

South 46,738 100 19.8 5.4 3.6 64.9 0.6 5.8

West 27,498 100 15.7 3.6 2.8 71.9 0.3 5.7

Disability Status

Disabled 10,841 100 23.7 8.6 5.8 55.3 0.6 6.0

Not Disabled 78,293 100 18.1 4.2 3.2 68.7 0.4 5.4

Not Applicable 34,616 100 14.1 2.2 1.6 75.1 0.3 6.7

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households

D-7 Number Of Different Types Of AFS Used In The Last 12 Months By Banking Status And Household 

Characteristics, 2013

For all households, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Used 0 AFS 

(Percent)

Used 1 AFS 

(Percent)

Used 2 AFS 

(Percent)

Used 3 or 

more AFS 

(Percent)

Unknown 

(Percent)

All 123,750 100 69.3 16.4 5.4 2.5 6.4

Unbanked

Unbanked 9,582 100 29.9 27.2 21.9 12.3 8.8

Has bank account 114,168 100 72.6 15.5 4.1 1.7 6.2

Household Type

Married couple 59,102 100 74.7 14.0 3.9 1.8 5.6

Unmarried female-headed family 15,802 100 52.9 22.6 11.4 6.2 6.9

Unmarried male-headed family 6,327 100 57.3 22.0 9.6 4.9 6.2

Female individual 22,150 100 72.0 15.2 4.1 1.4 7.2

Male individual 20,240 100 67.1 17.9 5.6 2.2 7.2

Other 128 100 60.8 26.5 1.3 3.8 7.6

Race/Ethnicity

Black 16,801 100 45.8 27.3 11.4 6.1 9.4

Hispanic 14,948 100 53.6 22.6 11.2 5.6 7.1

Asian 5,882 100 74.5 14.4 3.0 0.9 7.2

American Indian/Alaskan 1,464 100 56.5 22.5 10.9 4.5 5.7

Hawaiian/Pacific Islander 314 100 67.6 14.3 6.7 5.8 5.6

White non-Black non-Hispanic 84,310 100 76.6 13.2 3.3 1.3 5.6

Other non-Black non-Hispanic NA NA NA NA NA NA NA

Spanish only language spoken

Spanish is not the only language 

spoken 121,097 100 69.8 16.3 5.2 2.4 6.3

Spanish is only language spoken 2,654 100 48.2 20.7 15.0 8.6 7.5

Nativity

U.S.-born 106,397 100 71.0 15.7 4.9 2.3 6.1

Foreign born citizen 9,252 100 65.9 17.9 5.9 2.2 8.1

Foreign born non citizen 8,102 100 50.3 23.3 12.1 6.3 8.1

Age Group

15 to 24 years 6,244 100 53.5 24.1 11.9 5.2 5.4

25 to 34 years 20,464 100 61.2 20.1 8.4 4.4 6.0

35 to 44 years 21,408 100 65.0 18.2 7.4 3.4 6.0

45 to 54 years 24,551 100 67.6 17.5 5.6 3.0 6.4

55 to 64 years 22,710 100 73.6 15.3 3.8 1.3 5.9

65 years or more 28,372 100 79.8 10.6 1.6 0.5 7.5

Disability Status

Disabled 10,841 100 55.3 23.8 9.4 4.8 6.8

Not Disabled 78,293 100 68.7 16.8 5.8 2.7 6.0

Not Applicable 34,616 100 75.1 13.0 3.4 1.3 7.1
2013 FDIC National Survey of Unbanked and Underaned Households

D-7 Number Of Different Types Of AFS Used In The Last 12 Months By Banking Status And Household 

Characteristics, 2013

For all households, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Used 0 AFS 

(Percent)

Used 1 AFS 

(Percent)

Used 2 AFS 

(Percent)

Used 3 or 

more AFS 

(Percent)

Unknown 

(Percent)

Education

No high school degree 13,871 100 54.4 21.4 10.8 6.2 7.2

High school degree 33,684 100 65.0 18.4 6.7 3.0 6.9

Some college 36,007 100 67.5 17.9 5.7 2.8 6.1

College degree 40,188 100 79.6 11.6 2.2 0.6 5.9

Employment Status

Employed 75,587 100 69.1 16.9 5.6 2.5 5.9

Unemployed 5,436 100 54.2 22.6 10.2 7.2 5.9

Not in labor force 42,727 100 71.7 14.6 4.6 1.9 7.2

Family Income

Less than $15,000 19,044 100 54.5 23.0 10.3 5.0 7.3

Between $15,000 and $30,000 21,763 100 60.5 19.6 8.0 4.7 7.2

Between $30,000 and $50,000 24,496 100 67.2 17.3 6.0 2.7 6.9

Between $50,000 and $75,000 22,552 100 73.6 15.3 3.7 1.4 6.0

At Least $75,000 35,895 100 81.2 10.9 2.0 0.5 5.3

Homeownership

Homeowner 80,136 100 77.5 12.7 2.9 1.0 5.9

Non-homeowner 43,614 100 54.2 23.2 10.2 5.3 7.2

Geographic Region

Northeast 22,199 100 70.4 16.6 5.1 1.5 6.4

Midwest 27,315 100 73.2 14.1 4.3 2.0 6.3

South 46,738 100 64.9 18.8 6.5 3.3 6.5

West 27,498 100 71.9 14.3 5.1 2.4 6.2

Metropolitan Status

Metropolitan area - Principal City 34,510 100 64.1 18.3 7.0 3.7 6.8

Metropolitan area - Balance 51,229 100 72.7 14.6 4.3 1.8 6.5

Not in Metropolitan area 19,325 100 68.6 17.8 5.6 2.1 5.8

Not Identified 18,686 100 70.1 16.3 5.4 2.6 5.6

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households

D-8 Types Of AFS, Recency Of Use By Banking Status, 2013

For all households, column percent

Characteristics All Unbanked Has bank account

Number of Households (1000s) 123,750 9,582 114,168

Percent of Households 100 100 100

Recency of AFS Products (Percent)

in last 30 days 12.0 47.0 9.1

Not in last 30 days but in last 12 months 12.9 16.2 12.6

Not in last 12 months 14.4 10.7 14.7

Never Used 55.3 19.9 58.2

Use Unknown 5.4 6.2 5.3

Money Order Use (Percent)

in last 30 days 7.8 33.2 5.7

Not in last 30 days but in last 12 months 9.4 14.1 9.0

Not in last 12 months 10.9 9.7 11.0

Never Used 67.1 36.7 69.7

Use Unknown 4.7 6.3 4.6

Check Casher Use (Percent)

in last 30 days 3.4 24.3 1.7

Not in last 30 days but in last 12 months 3.1 11.6 2.4

Not in last 12 months 5.4 12.3 4.8

Never Used 83.5 45.9 86.7

Use Unknown 4.5 5.9 4.4

Remittance Use (Percent)

in last 30 days 1.6 4.9 1.3

Not in last 30 days but in last 12 months 2.1 4.3 1.9

Not in last 12 months 1.9 3.8 1.8

Never Used 89.5 80.7 90.3

Use Unknown 4.9 6.4 4.7

Payday Loan Use (Percent)

in last 30 days 0.8 0.8 0.8

Not in last 30 days but in last 12 months 1.2 1.9 1.1

Not in last 12 months 2.6 6.3 2.3

Never Used 90.4 84.0 91.0

Use Unknown 5.0 7.0 4.8

Pawn Shop Use (Percent)

in last 30 days 0.7 3.0 0.5

Not in last 30 days but in last 12 months 2.2 6.9 1.8

Not in last 12 months 4.5 10.2 4.1

Never Used 87.6 72.9 88.8

Use Unknown 5.0 7.1 4.8
2013 FDIC National Survey of Unbanked and Underaned Households

D-8 Types Of AFS, Recency Of Use By Banking Status, 2013

For all households, column percent

Characteristics All Unbanked Has bank account

Rent-to-Own Use (Percent)

in last 30 days 0.7 2.0 0.6

Not in last 30 days but in last 12 months 0.8 2.5 0.6

Not in last 12 months 3.1 8.0 2.7

Never Used 90.2 80.3 91.1

Use Unknown 5.2 7.2 5.0

Refund Anticipation Loan Use (Percent)

Not in last 30 days but in last 12 months 1.8 3.8 1.6

Not in last 12 months 2.9 5.6 2.7

Never Used 90.0 83.3 90.6

Use Unknown 5.3 7.3 5.1

Auto Title Loan Use (Percent)

in last 30 days 0.3 0.5 0.3

Not in last 30 days but in last 12 months 0.5 1.2 0.5

Not in last 12 months 1.8 3.0 1.7

Never Used 92.0 88.1 92.4

Use Unknown 5.3 7.2 5.1

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than 

zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households

D-9a Non-Bank Money Orders Recency Of Use By Banking Status And Household Characteristics, 2013

For all households, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Used: in last 

30 days 

(Percent)

Used: Not in 

last 30 days 

but in last 12 

months 

(Percent)

Used: Not in 

last 12 

months 

(Percent)

Never Used 

(Percent)

Use 

Unknown 

(Percent)

All 123,750 100 7.8 9.4 10.9 67.1 4.7

Unbanked

Unbanked 9,582 100 33.2 14.1 9.7 36.7 6.3

Has bank account 114,168 100 5.7 9.0 11.0 69.7 4.6

Banking Status and AFS Use in Last 

12 Months

Unbanked and Used AFS in Last 12 

Months 6,053 100 52.6 22.3 6.8 17.7 0.6

Underbanked (Banked and Used AFS 

in Last 12 Months) 24,757 100 26.3 41.7 7.3 24.6 0.2

Household Type

Married couple 59,102 100 5.0 8.3 10.5 72.0 4.1

Unmarried female-headed family 15,802 100 16.3 13.6 10.7 54.5 4.8

Unmarried male-headed family 6,327 100 12.4 11.6 10.2 61.6 4.2

Female individual 22,150 100 7.1 8.7 11.6 67.0 5.5

Male individual 20,240 100 8.9 9.5 11.5 64.4 5.7

Other 128 100 6.2 7.7 18.3 60.2 7.6

Race/Ethnicity

Black 16,801 100 19.5 16.2 11.6 46.0 6.8

Hispanic 14,948 100 15.3 11.6 7.5 60.3 5.2

Asian 5,882 100 2.0 6.9 7.2 78.1 5.7

American Indian/Alaskan 1,464 100 11.8 15.2 15.1 54.7 3.1

Hawaiian/Pacific Islander 314 100 12.9 10.2 3.7 69.5 3.7

White non-Black non-Hispanic 84,310 100 4.5 7.8 11.6 72.0 4.2

Other non-Black non-Hispanic NA NA NA NA NA NA NA

Spanish only language spoken

Spanish is not the only language 

spoken 121,097 100 7.5 9.5 11.0 67.3 4.7

Spanish is only language spoken 2,654 100 21.4 7.8 7.6 58.8 4.4

Nativity

U.S.-born 106,397 100 7.4 9.4 11.6 67.0 4.6

Foreign born citizen 9,252 100 5.8 9.1 7.0 71.9 6.2

Foreign born non citizen 8,102 100 15.4 10.3 6.4 62.4 5.4

Age Group

15 to 24 years 6,244 100 15.4 14.0 7.1 59.3 4.1

25 to 34 years 20,464 100 10.8 11.7 11.2 61.9 4.4

35 to 44 years 21,408 100 8.7 11.2 11.2 64.2 4.7

45 to 54 years 24,551 100 8.4 9.9 11.3 65.7 4.6

55 to 64 years 22,710 100 6.2 8.6 11.9 69.0 4.3

65 years or more 28,372 100 4.1 5.8 10.0 74.5 5.6
2013 FDIC National Survey of Unbanked and Underaned Households

D-9a Non-Bank Money Orders Recency Of Use By Banking Status And Household Characteristics, 2013

For all households, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Used: in last 

30 days 

(Percent)

Used: Not in 

last 30 days 

but in last 12 

months 

(Percent)

Used: Not in 

last 12 

months 

(Percent)

Never Used 

(Percent)

Use 

Unknown 

(Percent)

Education

No high school degree 13,871 100 16.6 10.8 9.4 58.2 5.0

High school degree 33,684 100 10.0 9.9 10.7 64.1 5.2

Some college 36,007 100 8.2 10.2 11.6 65.4 4.5

College degree 40,188 100 2.6 7.8 10.9 74.2 4.5

Employment Status

Employed 75,587 100 7.5 9.7 11.0 67.4 4.4

Unemployed 5,436 100 14.6 14.4 11.1 56.2 3.7

Not in labor force 42,727 100 7.6 8.3 10.7 68.0 5.4

Family Income

Less than $15,000 19,044 100 16.9 11.7 10.5 55.6 5.3

Between $15,000 and $30,000 21,763 100 12.7 10.8 10.7 60.4 5.4

Between $30,000 and $50,000 24,496 100 7.6 9.8 11.3 66.1 5.1

Between $50,000 and $75,000 22,552 100 4.6 9.3 11.6 70.1 4.4

At Least $75,000 35,895 100 2.3 7.2 10.5 76.1 4.0

Homeownership

Homeowner 80,136 100 3.8 7.5 11.0 73.2 4.4

Non-homeowner 43,614 100 15.2 13.0 10.7 55.8 5.3

Geographic Region

Northeast 22,199 100 6.7 10.5 11.9 66.0 4.9

Midwest 27,315 100 6.8 7.5 10.4 70.8 4.5

South 46,738 100 9.7 10.9 11.4 63.1 4.8

West 27,498 100 6.6 8.0 9.7 71.0 4.6

Disability Status

Disabled 10,841 100 15.1 12.5 13.2 54.2 4.9

Not Disabled 78,293 100 7.6 10.0 11.2 66.8 4.4

Not Applicable 34,616 100 6.2 7.3 9.5 71.7 5.3

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households

D-9b Non-Bank Money Orders Recency Of Use And Location By Banking Status, 2013

For all households that used non-bank money orders in the last 12 months, column percent

Characteristics All Unbanked Banked: Underbanked

Number of Households (1000s) 21,371 4,537 16,834

Percent of Households 100 100 100

Money Order, Last 30 Days (Percent)

Used in last 30 days 45.4 70.2 38.7

Used but not in last 30 days 54.3 29.8 60.9

Unknown 0.4 - 0.5

Money Order Typical Location Used (Percent)

Post Office 29.7 19.6 32.4

Large retail or department store 19.3 21.6 18.7

Grocery, liquor, convenience, or drug store 37.8 38.1 37.7

Stand alone non-bank financial services store 11.0 18.4 9.0

Other/Unknown 2.2 2.3 2.2

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households

D-10a Non-Bank Check Cashing Recency Of Use By Banking Status And Household Characteristics, 2013

For all households, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Used: in last 

30 days 

(Percent)

Used: Not in 

last 30 days 

but in last 12 

months 

(Percent)

Used: Not in 

last 12 

months 

(Percent)

Never Used 

(Percent)

Use 

Unknown 

(Percent)

All 123,750 100 3.4 3.1 5.4 83.5 4.5

Unbanked

Unbanked 9,582 100 24.3 11.6 12.3 45.9 5.9

Has bank account 114,168 100 1.7 2.4 4.8 86.7 4.4

Banking Status and AFS Use in Last 

12 Months

Unbanked and Used AFS in Last 12 

Months 6,053 100 38.5 18.3 11.6 31.5 0.2

Underbanked (Banked and Used AFS 

in Last 12 Months) 24,757 100 7.7 11.1 7.7 73.3 0.2

Household Type

Married couple 59,102 100 2.3 1.9 4.4 87.3 4.1

Unmarried female-headed family 15,802 100 6.5 6.8 7.0 75.1 4.6

Unmarried male-headed family 6,327 100 7.4 5.4 6.6 76.8 3.8

Female individual 22,150 100 2.4 2.6 5.0 84.9 5.1

Male individual 20,240 100 4.2 3.6 6.9 79.8 5.5

Other 128 100 7.0 1.6 3.8 80.0 7.6

Race/Ethnicity

Black 16,801 100 6.7 6.3 8.8 71.5 6.6

Hispanic 14,948 100 7.7 3.9 5.9 77.5 4.9

Asian 5,882 100 1.2 1.2 2.5 89.6 5.6

American Indian/Alaskan 1,464 100 8.9 5.0 6.1 77.1 2.9

Hawaiian/Pacific Islander 314 100 2.7 6.2 0.8 87.6 2.7

White non-Black non-Hispanic 84,310 100 2.1 2.4 4.8 86.7 4.0

Other non-Black non-Hispanic NA NA NA NA NA NA NA

Spanish only language spoken

Spanish is not the only language 

spoken 121,097 100 3.2 3.1 5.3 83.9 4.6

Spanish is only language spoken 2,654 100 14.0 4.5 8.8 68.9 3.9

Nativity

U.S.-born 106,397 100 3.0 3.1 5.5 84.0 4.4

Foreign born citizen 9,252 100 2.7 2.2 3.9 85.4 5.8

Foreign born non citizen 8,102 100 9.2 3.9 5.7 75.7 5.5

Age Group

15 to 24 years 6,244 100 8.0 7.3 7.4 73.2 4.1

25 to 34 years 20,464 100 5.9 4.7 6.6 78.6 4.2

35 to 44 years 21,408 100 3.8 3.7 6.2 81.7 4.6

45 to 54 years 24,551 100 3.7 2.9 4.9 84.0 4.5

55 to 64 years 22,710 100 2.0 2.5 4.7 86.6 4.1

65 years or more 28,372 100 1.2 1.3 4.3 88.0 5.3
2013 FDIC National Survey of Unbanked and Underaned Households

D-10a Non-Bank Check Cashing Recency Of Use By Banking Status And Household Characteristics, 2013

For all households, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Used: in last 

30 days 

(Percent)

Used: Not in 

last 30 days 

but in last 12 

months 

(Percent)

Used: Not in 

last 12 

months 

(Percent)

Never Used 

(Percent)

Use 

Unknown 

(Percent)

Education

No high school degree 13,871 100 9.1 4.7 7.5 73.7 5.0

High school degree 33,684 100 4.2 4.2 6.0 80.8 4.9

Some college 36,007 100 3.3 3.4 5.8 83.2 4.3

College degree 40,188 100 0.9 1.4 3.8 89.6 4.3

Employment Status

Employed 75,587 100 3.6 2.9 5.2 84.1 4.2

Unemployed 5,436 100 7.0 7.8 7.5 73.8 3.9

Not in labor force 42,727 100 2.7 3.0 5.4 83.8 5.2

Family Income

Less than $15,000 19,044 100 7.5 6.6 8.3 72.8 4.9

Between $15,000 and $30,000 21,763 100 5.8 4.2 6.0 78.7 5.3

Between $30,000 and $50,000 24,496 100 3.5 3.0 5.4 83.2 4.9

Between $50,000 and $75,000 22,552 100 1.7 2.1 4.9 86.8 4.4

At Least $75,000 35,895 100 0.8 1.3 3.7 90.4 3.8

Homeownership

Homeowner 80,136 100 1.6 1.9 4.3 88.0 4.3

Non-homeowner 43,614 100 6.9 5.4 7.3 75.4 5.0

Geographic Region

Northeast 22,199 100 2.8 2.9 5.1 84.6 4.6

Midwest 27,315 100 3.1 2.8 5.6 84.1 4.5

South 46,738 100 4.0 3.8 6.0 81.4 4.7

West 27,498 100 3.2 2.4 4.2 85.7 4.4

Disability Status

Disabled 10,841 100 5.1 5.9 7.5 76.9 4.6

Not Disabled 78,293 100 3.6 3.1 5.3 83.7 4.3

Not Applicable 34,616 100 2.4 2.4 4.8 85.3 5.1

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households

D-10b Non-Bank Check Cashing Recency Of Use And Location By Banking Status, 2013

For all households that used non-bank check cashing in the last 12 months, column percent

Characteristics All Unbanked Banked: Underbanked

Number of Households (1000s) 8,089 3,437 4,653

Percent of Households 100 100 100

Check Casher, Last 30 Days (Percent)

Used in last 30 days 52.3 67.8 40.9

Used but not in last 30 days 47.1 31.5 58.6

Unknown 0.6 0.7 0.4

Check Casher Typical Location Used (Percent)

Large retail or department store 31.4 30.2 32.3

Grocery, liquor, convenience, or drug store 37.8 36.1 39.1

Stand alone non-bank financial services store 24.3 29.3 20.6

Unknown Location 6.5 4.4 8.0

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households

D-11a Non-Bank Remittances Recency Of Use By Banking Status And Household Characteristics, 2013

For all households, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Used: in last 

30 days 

(Percent)

Used: Not in 

last 30 days 

but in last 12 

months 

(Percent)

Used: Not in 

last 12 

months 

(Percent)

Never Used 

(Percent)

Use 

Unknown 

(Percent)

All 123,750 100 1.6 2.1 1.9 89.5 4.9

Unbanked

Unbanked 9,582 100 4.9 4.3 3.8 80.7 6.4

Has bank account 114,168 100 1.3 1.9 1.8 90.3 4.7

Banking Status and AFS Use in Last 

12 Months

Unbanked and Used AFS in Last 12 

Months 6,053 100 7.8 6.8 4.4 80.2 0.9

Underbanked (Banked and Used AFS 

in Last 12 Months) 24,757 100 6.2 8.7 2.8 81.8 0.5

Household Type

Married couple 59,102 100 1.8 2.4 1.9 89.7 4.2

Unmarried female-headed family 15,802 100 2.1 2.4 2.6 88.1 4.8

Unmarried male-headed family 6,327 100 3.4 3.1 2.3 86.9 4.3

Female individual 22,150 100 0.6 1.0 1.6 91.0 5.9

Male individual 20,240 100 1.4 1.7 1.8 89.3 5.8

Other 128 100 1.7 0.8 5.6 84.3 7.6

Race/Ethnicity

Black 16,801 100 2.2 3.2 3.0 84.6 7.0

Hispanic 14,948 100 7.4 6.7 3.6 76.5 5.8

Asian 5,882 100 3.6 6.0 2.7 81.8 5.9

American Indian/Alaskan 1,464 100 1.6 1.2 1.9 92.1 3.1

Hawaiian/Pacific Islander 314 100 1.0 3.8 3.6 87.5 4.2

White non-Black non-Hispanic 84,310 100 0.3 0.8 1.3 93.3 4.2

Other non-Black non-Hispanic NA NA NA NA NA NA NA

Spanish only language spoken

Spanish is not the only language 

spoken 121,097 100 1.3 1.9 1.9 90.1 4.8

Spanish is only language spoken 2,654 100 15.6 11.1 4.3 63.5 5.5

Nativity

U.S.-born 106,397 100 0.5 0.9 1.6 92.5 4.6

Foreign born citizen 9,252 100 6.1 8.1 3.8 75.6 6.3

Foreign born non citizen 8,102 100 11.9 11.2 4.3 66.4 6.3

Age Group

15 to 24 years 6,244 100 2.3 2.9 2.4 88.0 4.4

25 to 34 years 20,464 100 2.6 2.9 2.6 87.2 4.6

35 to 44 years 21,408 100 2.5 3.1 1.9 87.9 4.7

45 to 54 years 24,551 100 1.8 2.3 2.1 89.1 4.7

55 to 64 years 22,710 100 1.1 1.5 1.6 91.5 4.3

65 years or more 28,372 100 0.3 0.8 1.5 91.5 5.8
2013 FDIC National Survey of Unbanked and Underaned Households

D-11a Non-Bank Remittances Recency Of Use By Banking Status And Household Characteristics, 2013

For all households, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Used: in last 

30 days 

(Percent)

Used: Not in 

last 30 days 

but in last 12 

months 

(Percent)

Used: Not in 

last 12 

months 

(Percent)

Never Used 

(Percent)

Use 

Unknown 

(Percent)

Education

No high school degree 13,871 100 4.7 4.3 2.8 82.9 5.3

High school degree 33,684 100 1.5 1.8 1.5 90.0 5.2

Some college 36,007 100 1.2 1.9 2.1 90.2 4.7

College degree 40,188 100 1.1 1.7 1.8 90.8 4.6

Employment Status

Employed 75,587 100 2.2 2.5 1.9 88.9 4.5

Unemployed 5,436 100 1.4 2.3 3.5 89.1 3.8

Not in labor force 42,727 100 0.7 1.3 1.7 90.8 5.6

Family Income

Less than $15,000 19,044 100 1.7 2.0 2.2 88.5 5.5

Between $15,000 and $30,000 21,763 100 2.1 2.5 2.2 87.6 5.6

Between $30,000 and $50,000 24,496 100 2.2 2.4 2.0 88.1 5.2

Between $50,000 and $75,000 22,552 100 1.4 2.2 1.8 90.1 4.5

At Least $75,000 35,895 100 1.0 1.5 1.6 91.8 4.0

Homeownership

Homeowner 80,136 100 1.0 1.4 1.6 91.5 4.5

Non-homeowner 43,614 100 2.8 3.3 2.5 85.8 5.5

Geographic Region

Northeast 22,199 100 1.8 2.5 1.8 88.9 5.0

Midwest 27,315 100 0.9 1.3 1.6 91.5 4.7

South 46,738 100 1.8 2.0 2.0 89.4 5.0

West 27,498 100 2.0 2.7 2.2 88.3 4.8

Disability Status

Disabled 10,841 100 0.7 1.3 2.0 91.0 4.9

Not Disabled 78,293 100 2.2 2.6 2.0 88.7 4.5

Not Applicable 34,616 100 0.7 1.2 1.6 90.9 5.6

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households

D-11b Non-Bank Remittances Recency Of Use And Location By Banking Status, 2013

For all households that used non-bank remittances in last 12 months, column percent

Characteristics All Unbanked Banked: Underbanked

Number of Households (1000s) 4,573 879 3,694

Percent of Households 100 100 100

Remittance, Last 30 Days (Percent)

Used in last 30 days 43.9 53.4 41.7

Used but not in last 30 days 55.0 45.2 57.3

Unknown 1.1 1.4 1.1

Remittance Typical Location Used (Percent)

Large retail or department store 19.0 15.5 19.9

Grocery, liquor, convenience, or drug store 32.9 37.9 31.7

Stand alone non-bank financial services store 26.3 36.4 23.9

Mobile Phone 1.2 0.6 1.3

Online through Computer 6.9 0.5 8.5

Other/Unknown 13.7 9.1 14.8

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households

D-12a Payday Loan Recency Of Use By Banking Status And Household Characteristics, 2013

For all households, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Used: in last 

30 days 

(Percent)

Used: Not in 

last 30 days 

but in last 12 

months 

(Percent)

Used: Not in 

last 12 

months 

(Percent)

Never Used 

(Percent)

Use 

Unknown 

(Percent)

All 123,750 100 0.8 1.2 2.6 90.4 5.0

Unbanked

Unbanked 9,582 100 0.8 1.9 6.3 84.0 7.0

Has bank account 114,168 100 0.8 1.1 2.3 91.0 4.8

Banking Status and AFS Use in Last 

12 Months

Unbanked and Used AFS in Last 12 

Months 6,053 100 1.3 3.0 8.6 85.7 1.4

Underbanked (Banked and Used AFS 

in Last 12 Months) 24,757 100 3.7 5.1 5.9 84.6 0.8

Household Type

Married couple 59,102 100 0.6 0.8 2.0 92.3 4.3

Unmarried female-headed family 15,802 100 1.5 2.7 5.1 85.4 5.3

Unmarried male-headed family 6,327 100 1.0 1.7 4.4 88.2 4.8

Female individual 22,150 100 0.7 0.9 2.2 90.4 5.8

Male individual 20,240 100 0.9 1.1 2.6 89.6 5.9

Other 128 100 - 3.9 - 88.5 7.6

Race/Ethnicity

Black 16,801 100 1.8 2.6 5.4 82.8 7.3

Hispanic 14,948 100 1.1 1.8 2.2 89.1 5.8

Asian 5,882 100 0.2 0.1 0.7 93.1 5.9

American Indian/Alaskan 1,464 100 2.0 0.8 5.3 88.7 3.1

Hawaiian/Pacific Islander 314 100 1.8 - 3.9 88.7 5.6

White non-Black non-Hispanic 84,310 100 0.6 0.9 2.2 92.0 4.3

Other non-Black non-Hispanic NA NA NA NA NA NA NA

Spanish only language spoken

Spanish is not the only language 

spoken 121,097 100 0.8 1.2 2.7 90.4 5.0

Spanish is only language spoken 2,654 100 0.5 0.6 0.8 92.4 5.7

Nativity

U.S.-born 106,397 100 0.8 1.2 2.9 90.2 4.7

Foreign born citizen 9,252 100 0.5 0.6 0.8 91.6 6.6

Foreign born non citizen 8,102 100 0.6 1.0 0.7 91.3 6.4

Age Group

15 to 24 years 6,244 100 0.9 2.1 1.9 91.1 4.1

25 to 34 years 20,464 100 1.2 1.8 3.6 88.6 4.7

35 to 44 years 21,408 100 1.0 1.6 4.5 88.0 4.9

45 to 54 years 24,551 100 0.9 1.4 2.7 90.1 4.9

55 to 64 years 22,710 100 0.6 0.9 2.3 91.8 4.4

65 years or more 28,372 100 0.4 0.3 0.9 92.5 5.9
2013 FDIC National Survey of Unbanked and Underaned Households

D-12a Payday Loan Recency Of Use By Banking Status And Household Characteristics, 2013

For all households, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Used: in last 

30 days 

(Percent)

Used: Not in 

last 30 days 

but in last 12 

months 

(Percent)

Used: Not in 

last 12 

months 

(Percent)

Never Used 

(Percent)

Use 

Unknown 

(Percent)

Education

No high school degree 13,871 100 1.0 1.4 2.9 89.2 5.6

High school degree 33,684 100 1.0 1.4 2.8 89.5 5.4

Some college 36,007 100 1.1 1.7 3.8 88.6 4.8

College degree 40,188 100 0.3 0.5 1.4 93.2 4.6

Employment Status

Employed 75,587 100 0.9 1.3 2.7 90.5 4.7

Unemployed 5,436 100 0.9 2.3 5.8 87.1 3.9

Not in labor force 42,727 100 0.7 0.8 2.1 90.7 5.7

Family Income

Less than $15,000 19,044 100 1.0 1.2 3.5 88.8 5.5

Between $15,000 and $30,000 21,763 100 1.2 2.0 3.2 87.7 5.9

Between $30,000 and $50,000 24,496 100 1.2 1.5 3.2 88.6 5.5

Between $50,000 and $75,000 22,552 100 0.7 1.0 2.7 91.0 4.5

At Least $75,000 35,895 100 0.2 0.6 1.4 93.8 4.0

Homeownership

Homeowner 80,136 100 0.4 0.6 1.7 92.7 4.6

Non-homeowner 43,614 100 1.5 2.1 4.4 86.2 5.7

Geographic Region

Northeast 22,199 100 0.1 0.3 1.0 93.6 5.0

Midwest 27,315 100 0.9 1.2 3.1 89.8 4.9

South 46,738 100 1.0 1.5 2.8 89.6 5.1

West 27,498 100 0.8 1.3 3.2 89.8 4.8

Disability Status

Disabled 10,841 100 1.6 2.2 5.0 86.1 5.2

Not Disabled 78,293 100 0.8 1.3 3.0 90.2 4.7

Not Applicable 34,616 100 0.4 0.6 1.1 92.3 5.6

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households

D-12b Payday Loan Recency Of Use And Use Of Internet Payday Loans By Banking Status, 2013

For all households that used payday loans in the last 12 months, column percent

Characteristics All Unbanked Banked: Underbanked

Number of Households (1000s) 2,439 259 2,180

Percent of Households 100 100 100

Payday Loan, Last 30 Days (Percent)

Used in last 30 days 40.5 29.2 41.8

Used but not in last 30 days 59.2 70.8 57.8

Unknown 0.3 - 0.4

Online Payday Loan Use (Percent)

Taken out Online Payday Loan 15.5 12.2 15.8

Has not taken out online payday loan 84.4 87.8 84.0

Unknown 0.2 - 0.2

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households

D-13a Pawn Shop Recency Of Use By Banking Status And Household Characteristics, 2013

For all households, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Used: in last 

30 days 

(Percent)

Used: Not in 

last 30 days 

but in last 12 

months 

(Percent)

Used: Not in 

last 12 

months 

(Percent)

Never Used 

(Percent)

Use 

Unknown 

(Percent)

All 123,750 100 0.7 2.2 4.5 87.6 5.0

Unbanked

Unbanked 9,582 100 3.0 6.9 10.2 72.9 7.1

Has bank account 114,168 100 0.5 1.8 4.1 88.8 4.8

Banking Status and AFS Use in Last 

12 Months

Unbanked and Used AFS in Last 12 

Months 6,053 100 4.7 10.9 12.5 70.6 1.4

Underbanked (Banked and Used AFS 

in Last 12 Months) 24,757 100 2.3 8.3 9.1 79.6 0.7

Household Type

Married couple 59,102 100 0.5 1.5 3.3 90.4 4.3

Unmarried female-headed family 15,802 100 1.5 4.9 6.7 81.6 5.2

Unmarried male-headed family 6,327 100 1.9 3.5 7.4 82.7 4.5

Female individual 22,150 100 0.3 1.7 4.5 87.6 5.9

Male individual 20,240 100 0.7 2.1 5.6 85.6 6.0

Other 128 100 7.8 1.6 - 83.1 7.6

Race/Ethnicity

Black 16,801 100 1.5 3.6 6.7 80.8 7.4

Hispanic 14,948 100 0.9 3.2 5.1 85.2 5.7

Asian 5,882 100 0.1 0.4 0.8 92.9 5.8

American Indian/Alaskan 1,464 100 1.9 5.4 8.6 80.7 3.4

Hawaiian/Pacific Islander 314 100 0.8 1.6 10.0 82.0 5.6

White non-Black non-Hispanic 84,310 100 0.5 1.8 4.2 89.1 4.4

Other non-Black non-Hispanic NA NA NA NA NA NA NA

Spanish only language spoken

Spanish is not the only language 

spoken 121,097 100 0.7 2.2 4.6 87.6 5.0

Spanish is only language spoken 2,654 100 0.5 1.7 3.1 88.6 6.1

Nativity

U.S.-born 106,397 100 0.7 2.3 4.9 87.2 4.8

Foreign born citizen 9,252 100 0.4 0.9 1.6 90.4 6.7

Foreign born non citizen 8,102 100 0.4 2.1 2.5 88.9 6.2

Age Group

15 to 24 years 6,244 100 1.3 4.6 4.8 85.3 4.1

25 to 34 years 20,464 100 1.1 2.9 5.4 85.8 4.7

35 to 44 years 21,408 100 0.9 2.8 5.5 85.9 4.9

45 to 54 years 24,551 100 0.9 2.9 5.3 86.1 4.9

55 to 64 years 22,710 100 0.5 1.7 4.6 88.6 4.6

65 years or more 28,372 100 0.1 0.4 2.4 91.1 6.0
2013 FDIC National Survey of Unbanked and Underaned Households

D-13a Pawn Shop Recency Of Use By Banking Status And Household Characteristics, 2013

For all households, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Used: in last 

30 days 

(Percent)

Used: Not in 

last 30 days 

but in last 12 

months 

(Percent)

Used: Not in 

last 12 

months 

(Percent)

Never Used 

(Percent)

Use 

Unknown 

(Percent)

Education

No high school degree 13,871 100 1.5 4.2 6.1 82.6 5.6

High school degree 33,684 100 0.8 2.6 5.0 86.1 5.5

Some college 36,007 100 0.8 2.7 6.0 85.8 4.8

College degree 40,188 100 0.2 0.7 2.3 92.1 4.6

Employment Status

Employed 75,587 100 0.5 2.0 4.3 88.6 4.6

Unemployed 5,436 100 3.0 6.4 8.6 78.0 4.1

Not in labor force 42,727 100 0.7 2.0 4.5 86.9 5.8

Family Income

Less than $15,000 19,044 100 1.9 4.7 7.2 80.3 5.9

Between $15,000 and $30,000 21,763 100 1.1 3.5 6.4 83.3 5.7

Between $30,000 and $50,000 24,496 100 0.6 2.3 4.6 87.1 5.5

Between $50,000 and $75,000 22,552 100 0.3 1.3 3.8 90.0 4.5

At Least $75,000 35,895 100 0.1 0.5 2.4 92.9 4.1

Homeownership

Homeowner 80,136 100 0.3 1.2 3.2 90.6 4.6

Non-homeowner 43,614 100 1.3 3.9 6.9 82.1 5.7

Geographic Region

Northeast 22,199 100 0.4 1.5 2.8 90.3 5.1

Midwest 27,315 100 0.6 1.9 4.3 88.5 4.8

South 46,738 100 0.9 2.8 5.5 85.7 5.2

West 27,498 100 0.7 2.0 4.7 87.7 5.0

Disability Status

Disabled 10,841 100 2.1 5.2 10.2 77.1 5.4

Not Disabled 78,293 100 0.7 2.2 4.5 87.9 4.7

Not Applicable 34,616 100 0.3 1.2 2.8 90.1 5.7

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.

D-13b Pawn Shop Recency Of Use By Banking Status, 2013

For all households that used pawn shops in the last 12 months, column percent

Characteristics All Unbanked Banked: Underbanked

Number of Households (1000s) 3,560 944 2,615

Percent of Households 100 100 100

Pawn Shop, Last 30 Days (Percent)

Used in last 30 days 24.0 30.4 21.7

Used but not in last 30 days 75.8 69.6 78.0

Unknown 0.2 - 0.2

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households

D-14a Rent-To-Own Recency Of Use By Banking Status And Household Characteristics, 2013

For all households, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Used: in last 

30 days 

(Percent)

Used: Not in 

last 30 days 

but in last 12 

months 

(Percent)

Used: Not in 

last 12 

months 

(Percent)

Never Used 

(Percent)

Use 

Unknown 

(Percent)

All 123,750 100 0.7 0.8 3.1 90.2 5.2

Unbanked

Unbanked 9,582 100 2.0 2.5 8.0 80.3 7.2

Has bank account 114,168 100 0.6 0.6 2.7 91.1 5.0

Banking Status and AFS Use in Last 

12 Months

Unbanked and Used AFS in Last 12 

Months 6,053 100 3.2 3.9 10.2 81.3 1.4

Underbanked (Banked and Used AFS 

in Last 12 Months) 24,757 100 2.7 3.0 7.0 86.6 0.8

Household Type

Married couple 59,102 100 0.6 0.5 2.3 92.1 4.4

Unmarried female-headed family 15,802 100 1.8 2.0 6.1 84.5 5.6

Unmarried male-headed family 6,327 100 1.0 1.3 5.6 87.5 4.5

Female individual 22,150 100 0.4 0.6 2.7 90.2 6.0

Male individual 20,240 100 0.4 0.7 2.8 90.1 6.1

Other 128 100 - 1.3 - 91.1 7.6

Race/Ethnicity

Black 16,801 100 1.2 2.0 5.8 83.3 7.7

Hispanic 14,948 100 1.0 0.9 2.8 89.6 5.7

Asian 5,882 100 0.2 0.1 0.3 93.5 5.9

American Indian/Alaskan 1,464 100 1.1 1.3 4.4 89.8 3.4

Hawaiian/Pacific Islander 314 100 0.3 1.4 1.5 91.6 5.2

White non-Black non-Hispanic 84,310 100 0.6 0.6 2.8 91.5 4.5

Other non-Black non-Hispanic NA NA NA NA NA NA NA

Spanish only language spoken

Spanish is not the only language 

spoken 121,097 100 0.7 0.8 3.1 90.2 5.1

Spanish is only language spoken 2,654 100 0.3 0.5 2.1 91.0 6.0

Nativity

U.S.-born 106,397 100 0.8 0.9 3.4 90.0 5.0

Foreign born citizen 9,252 100 - 0.1 1.2 92.1 6.6

Foreign born non citizen 8,102 100 0.4 0.6 1.7 91.0 6.3

Age Group

15 to 24 years 6,244 100 1.1 2.0 2.9 89.9 4.2

25 to 34 years 20,464 100 1.2 1.3 3.8 88.8 4.9

35 to 44 years 21,408 100 1.2 1.0 4.1 88.7 4.9

45 to 54 years 24,551 100 0.7 0.7 3.9 89.6 5.0

55 to 64 years 22,710 100 0.3 0.5 3.0 91.5 4.7

65 years or more 28,372 100 0.1 0.2 1.3 92.1 6.2
2013 FDIC National Survey of Unbanked and Underaned Households

D-14a Rent-To-Own Recency Of Use By Banking Status And Household Characteristics, 2013

For all households, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Used: in last 

30 days 

(Percent)

Used: Not in 

last 30 days 

but in last 12 

months 

(Percent)

Used: Not in 

last 12 

months 

(Percent)

Never Used 

(Percent)

Use 

Unknown 

(Percent)

Education

No high school degree 13,871 100 1.4 1.5 4.5 86.8 5.8

High school degree 33,684 100 0.9 1.1 4.0 88.4 5.6

Some college 36,007 100 0.8 1.0 3.6 89.6 5.0

College degree 40,188 100 0.1 0.2 1.4 93.5 4.8

Employment Status

Employed 75,587 100 0.6 0.8 3.1 90.7 4.8

Unemployed 5,436 100 1.4 1.7 6.4 86.0 4.5

Not in labor force 42,727 100 0.7 0.7 2.7 89.9 6.0

Family Income

Less than $15,000 19,044 100 1.2 1.5 5.0 86.4 5.9

Between $15,000 and $30,000 21,763 100 1.2 1.2 4.3 87.3 6.0

Between $30,000 and $50,000 24,496 100 0.9 0.9 3.3 89.2 5.6

Between $50,000 and $75,000 22,552 100 0.4 0.6 2.4 91.9 4.8

At Least $75,000 35,895 100 0.2 0.2 1.7 93.7 4.2

Homeownership

Homeowner 80,136 100 0.3 0.4 2.2 92.3 4.8

Non-homeowner 43,614 100 1.4 1.4 4.8 86.5 5.9

Geographic Region

Northeast 22,199 100 0.6 0.6 2.2 91.5 5.2

Midwest 27,315 100 0.8 0.6 3.3 90.3 5.0

South 46,738 100 0.9 1.1 3.8 88.9 5.3

West 27,498 100 0.4 0.5 2.6 91.5 5.0

Disability Status

Disabled 10,841 100 1.9 2.2 7.0 83.5 5.4

Not Disabled 78,293 100 0.7 0.7 3.3 90.5 4.8

Not Applicable 34,616 100 0.3 0.5 1.6 91.7 5.9

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.

D-14b Rent-To-Own Recency Of Use By Banking Status, 2013

For all households that used rent-to-own in the last 12 months, column percent

Characteristics All Unbanked Banked: Underbanked

Number of Households (1000s) 1,829 428 1,401

Percent of Households 100 100 100

Rent-to-Own, Last 30 Days (Percent)

Used in last 30 days 46.9 45.1 47.5

Used but not in last 30 days 53.1 54.9 52.5

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households

D-15 Refund Anticipation Loan Recency Of Use By Banking Status And Household Characteristics, 2013

For all households, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Used: Not in 

last 30 days 

but in last 12 

months 

(Percent)

Used: Not in 

last 12 months 

(Percent)

Never Used 

(Percent)

Use Unknown 

(Percent)

All 123,750 100 1.8 2.9 90.0 5.3

Unbanked

Unbanked 9,582 100 3.8 5.6 83.3 7.3

Has bank account 114,168 100 1.6 2.7 90.6 5.1

Banking Status and AFS Use in Last 

12 Months

Unbanked and Used AFS in Last 12 

Months 6,053 100 6.0 7.4 84.9 1.7

Underbanked (Banked and Used AFS 

in Last 12 Months) 24,757 100 7.4 6.6 84.9 1.0

Household Type

Married couple 59,102 100 1.4 2.3 91.7 4.6

Unmarried female-headed family 15,802 100 4.3 5.9 84.1 5.8

Unmarried male-headed family 6,327 100 3.0 4.5 87.6 4.9

Female individual 22,150 100 1.2 2.2 90.4 6.2

Male individual 20,240 100 1.2 2.7 89.9 6.2

Other 128 100 0.9 4.6 86.9 7.6

Race/Ethnicity

Black 16,801 100 3.8 5.3 83.1 7.8

Hispanic 14,948 100 2.1 2.8 89.2 5.9

Asian 5,882 100 1.1 0.7 92.1 6.1

American Indian/Alaskan 1,464 100 2.8 4.3 88.5 4.4

Hawaiian/Pacific Islander 314 100 4.0 3.2 87.5 5.2

White non-Black non-Hispanic 84,310 100 1.3 2.6 91.4 4.7

Other non-Black non-Hispanic NA NA NA NA NA NA

Spanish only language spoken

Spanish is not the only language 

spoken 121,097 100 1.8 2.9 90.0 5.3

Spanish is only language spoken 2,654 100 1.3 2.3 90.3 6.0

Nativity

U.S.-born 106,397 100 1.8 3.2 89.8 5.1

Foreign born citizen 9,252 100 1.3 0.8 91.2 6.7

Foreign born non citizen 8,102 100 1.6 1.3 90.8 6.2

Age Group

15 to 24 years 6,244 100 2.9 1.8 90.7 4.6

25 to 34 years 20,464 100 2.8 3.8 88.5 4.9

35 to 44 years 21,408 100 2.7 4.6 87.7 5.0

45 to 54 years 24,551 100 2.0 3.9 88.8 5.3

55 to 64 years 22,710 100 1.0 2.2 92.1 4.7

65 years or more 28,372 100 0.5 1.0 92.1 6.4
2013 FDIC National Survey of Unbanked and Underaned Households

D-15 Refund Anticipation Loan Recency Of Use By Banking Status And Household Characteristics, 2013

For all households, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Used: Not in 

last 30 days 

but in last 12 

months 

(Percent)

Used: Not in 

last 12 months 

(Percent)

Never Used 

(Percent)

Use Unknown 

(Percent)

Education

No high school degree 13,871 100 2.7 3.5 87.9 5.9

High school degree 33,684 100 2.3 3.5 88.5 5.7

Some college 36,007 100 2.1 3.8 89.0 5.1

College degree 40,188 100 0.8 1.5 92.9 4.9

Employment Status

Employed 75,587 100 2.0 3.0 90.0 4.9

Unemployed 5,436 100 3.7 5.3 86.1 4.9

Not in labor force 42,727 100 1.1 2.4 90.4 6.0

Family Income

Less than $15,000 19,044 100 1.9 3.8 88.3 6.0

Between $15,000 and $30,000 21,763 100 3.1 3.7 87.1 6.0

Between $30,000 and $50,000 24,496 100 2.2 3.3 88.7 5.8

Between $50,000 and $75,000 22,552 100 1.6 2.9 90.5 5.0

At Least $75,000 35,895 100 0.8 1.7 93.2 4.3

Homeownership

Homeowner 80,136 100 1.2 2.1 91.7 4.9

Non-homeowner 43,614 100 2.8 4.4 86.8 6.0

Geographic Region

Northeast 22,199 100 1.0 1.7 92.1 5.2

Midwest 27,315 100 1.4 2.9 90.4 5.3

South 46,738 100 2.5 3.8 88.4 5.3

West 27,498 100 1.7 2.4 90.6 5.3

Disability Status

Disabled 10,841 100 2.7 6.1 85.7 5.6

Not Disabled 78,293 100 2.0 3.3 89.8 4.9

Not Applicable 34,616 100 0.9 1.2 91.8 6.1

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households

D-16a Auto Title Loan Recency Of Use By Banking Status And Household Characteristics, 2013

For all households, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Used: in last 

30 days 

(Percent)

Used: Not in 

last 30 days 

but in last 12 

months 

(Percent)

Used: Not in 

last 12 

months 

(Percent)

Never Used 

(Percent)

Use 

Unknown 

(Percent)

All 123,750 100 0.3 0.5 1.8 92.0 5.3

Unbanked

Unbanked 9,582 100 0.5 1.2 3.0 88.1 7.2

Has bank account 114,168 100 0.3 0.5 1.7 92.4 5.1

Banking Status and AFS Use in Last 

12 Months

Unbanked and Used AFS in Last 12 

Months 6,053 100 0.8 1.8 3.9 92.0 1.5

Underbanked (Banked and Used AFS 

in Last 12 Months) 24,757 100 1.3 2.3 4.1 91.4 0.9

Household Type

Married couple 59,102 100 0.3 0.5 1.3 93.2 4.6

Unmarried female-headed family 15,802 100 0.3 0.9 3.5 89.5 5.8

Unmarried male-headed family 6,327 100 0.9 1.1 2.8 90.5 4.7

Female individual 22,150 100 0.1 0.4 1.5 91.8 6.2

Male individual 20,240 100 0.3 0.4 1.9 91.2 6.2

Other 128 100 - - 4.0 88.4 7.6

Race/Ethnicity

Black 16,801 100 0.4 1.1 2.7 88.0 7.8

Hispanic 14,948 100 0.5 0.5 1.8 91.5 5.7

Asian 5,882 100 0.1 0.6 0.6 92.7 6.1

American Indian/Alaskan 1,464 100 0.8 0.8 3.4 91.0 4.1

Hawaiian/Pacific Islander 314 100 - - 3.2 91.5 5.2

White non-Black non-Hispanic 84,310 100 0.3 0.4 1.7 92.9 4.7

Other non-Black non-Hispanic NA NA NA NA NA NA NA

Spanish only language spoken

Spanish is not the only language 

spoken 121,097 100 0.3 0.6 1.8 92.0 5.3

Spanish is only language spoken 2,654 100 0.3 0.1 1.8 91.9 5.9

Nativity

U.S.-born 106,397 100 0.3 0.6 1.9 92.1 5.1

Foreign born citizen 9,252 100 0.2 0.4 0.9 91.7 6.8

Foreign born non citizen 8,102 100 0.3 0.6 1.4 91.5 6.2

Age Group

15 to 24 years 6,244 100 0.2 0.9 0.9 93.7 4.3

25 to 34 years 20,464 100 0.5 1.0 2.1 91.4 5.0

35 to 44 years 21,408 100 0.4 0.8 2.5 91.2 5.1

45 to 54 years 24,551 100 0.4 0.5 1.9 92.1 5.1

55 to 64 years 22,710 100 0.2 0.3 1.9 92.8 4.8

65 years or more 28,372 100 0.1 0.2 1.3 92.0 6.4
2013 FDIC National Survey of Unbanked and Underaned Households

D-16a Auto Title Loan Recency Of Use By Banking Status And Household Characteristics, 2013

For all households, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Used: in last 

30 days 

(Percent)

Used: Not in 

last 30 days 

but in last 12 

months 

(Percent)

Used: Not in 

last 12 

months 

(Percent)

Never Used 

(Percent)

Use 

Unknown 

(Percent)

Education

No high school degree 13,871 100 0.6 0.8 2.5 90.2 5.9

High school degree 33,684 100 0.3 0.7 2.0 91.3 5.8

Some college 36,007 100 0.4 0.6 2.2 91.7 5.0

College degree 40,188 100 0.2 0.3 1.1 93.5 4.9

Employment Status

Employed 75,587 100 0.3 0.6 1.8 92.4 4.9

Unemployed 5,436 100 1.1 0.9 3.1 90.2 4.6

Not in labor force 42,727 100 0.2 0.4 1.8 91.5 6.1

Family Income

Less than $15,000 19,044 100 0.6 0.6 2.7 90.1 5.9

Between $15,000 and $30,000 21,763 100 0.3 0.8 2.4 90.4 6.1

Between $30,000 and $50,000 24,496 100 0.3 0.7 2.0 91.1 5.8

Between $50,000 and $75,000 22,552 100 0.2 0.5 1.7 92.7 5.0

At Least $75,000 35,895 100 0.2 0.3 1.0 94.2 4.4

Homeownership

Homeowner 80,136 100 0.2 0.4 1.6 92.9 4.9

Non-homeowner 43,614 100 0.5 0.8 2.3 90.4 6.0

Geographic Region

Northeast 22,199 100 0.3 0.2 1.0 93.1 5.4

Midwest 27,315 100 0.2 0.5 1.6 92.6 5.2

South 46,738 100 0.4 0.8 2.4 91.0 5.4

West 27,498 100 0.2 0.5 1.8 92.4 5.1

Disability Status

Disabled 10,841 100 0.5 0.7 4.0 89.3 5.5

Not Disabled 78,293 100 0.4 0.6 1.8 92.3 4.9

Not Applicable 34,616 100 0.1 0.3 1.2 92.3 6.0

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.

D-16b Auto Title Loan Recency Of Use By Banking Status, 2013

For households that used auto title loans in the last 12 months, column percent

Characteristics All Unbanked Banked: Underbanked

Number of Households (1000s) 1,053 161 891

Percent of Households 100 100 100

Auto Title Loan, Last 30 Days (Percent)

Used in last 30 days 35.4 31.6 36.1

Used but not in last 30 days 64.6 68.4 63.9

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households
2013 FDIC National Survey of Unbanked and Underaned Households

Appendix E – Mobile Phone, Smartphone and 

Internet Access: National Tables
2013 FDIC National Survey of Unbanked and Underaned Households

E-1 Mobile Phone, Smartphone And Internet Access By Banking Status, 2013

For all households, column percent

Characteristics All Unbanked Banked: Underbanked Banked: Fully Banked

Banked: Underbanked 

Status Unknown

Number of Households (1000s) 123,750 9,582 24,757 82,892 6,519

Percent of Households 100 100 100 100 100

Mobile Phone (Percent)

Has mobile phone 82.7 68.1 90.5 86.8 22.0

Does not have mobile phone 12.4 25.5 8.5 12.7 3.9

Unknown 4.9 6.4 1.0 0.5 74.2

Smartphone (Percent)

Smartphone 55.7 33.1 64.5 59.0 13.6

Non-Smartphone 26.5 34.4 25.5 27.5 6.1

No Mobile Phone 12.4 25.5 8.5 12.7 3.9

Unknown 5.4 6.9 1.5 0.9 76.5

Internet Access (Percent)

Has access 75.7 43.0 81.9 82.0 19.8

Does not have access 19.3 50.2 17.0 17.5 5.1

Unknown 5.0 6.8 1.1 0.5 75.1

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.

E-2 Mobile Phone Access By Household Characteristics, 2013

All households, row percent

Characteristics

Number of Households 

(1000s) Percent of Households

Has mobile phone 

(Percent)

Does not have mobile 

phone (Percent) Unknown (Percent)

All 123,750 100 82.7 12.4 4.9

Household Type

Married couple 59,102 100 86.8 8.9 4.4

Unmarried female-headed family 15,802 100 84.2 10.6 5.2

Unmarried male-headed family 6,327 100 84.3 11.6 4.0

Female individual 22,150 100 73.2 21.1 5.8

Male individual 20,240 100 79.5 14.7 5.8

Other 128 100 84.3 8.2 7.6

Race/Ethnicity

Black 16,801 100 79.1 13.9 7.0

Hispanic 14,948 100 80.0 14.6 5.4

Asian 5,882 100 86.3 8.4 5.2

American Indian/Alaskan 1,464 100 79.5 17.0 3.5

Hawaiian/Pacific Islander 314 100 88.7 8.2 3.0

White non-Black non-Hispanic 84,310 100 83.7 11.9 4.5

Other non-Black non-Hispanic NA NA NA NA NA

Spanish only language spoken

Spanish is not the only language spoken 121,097 100 83.0 12.1 4.9

Spanish is only language spoken 2,654 100 70.2 24.3 5.4

Nativity

U.S.-born 106,397 100 83.1 12.1 4.8

Foreign born citizen 9,252 100 80.8 13.3 5.9

Foreign born non citizen 8,102 100 79.2 15.1 5.7
2013 FDIC National Survey of Unbanked and Underaned Households

E-2 Mobile Phone Access By Household Characteristics, 2013

All households, row percent

Characteristics

Number of Households 

(1000s) Percent of Households

Has mobile phone (Percent)Does not have mobile 

phone (Percent) Unknown (Percent)

Age Group

15 to 24 years 6,244 100 88.9 7.0 4.1

25 to 34 years 20,464 100 89.9 5.8 4.3

35 to 44 years 21,408 100 89.1 6.3 4.7

45 to 54 years 24,551 100 86.6 8.6 4.8

55 to 64 years 22,710 100 83.5 12.0 4.5

65 years or more 28,372 100 67.3 26.4 6.3

Disability Status

Disabled 10,841 100 78.2 16.7 5.1

Not Disabled 78,293 100 88.4 7.1 4.5

Not Applicable 34,616 100 71.2 22.9 5.9

Education

No high school degree 13,871 100 67.0 27.5 5.5

High school degree 33,684 100 78.2 16.5 5.3

Some college 36,007 100 85.4 9.8 4.8

College degree 40,188 100 89.5 6.0 4.5

Employment Status

Employed 75,587 100 89.0 6.5 4.5

Unemployed 5,436 100 85.0 10.9 4.1

Not in labor force 42,727 100 71.2 23.0 5.8

Family Income

Less than $15,000 19,044 100 69.2 25.3 5.5

Between $15,000 and $30,000 21,763 100 74.4 19.9 5.7

Between $30,000 and $50,000 24,496 100 82.3 12.3 5.4

Between $50,000 and $75,000 22,552 100 88.3 7.0 4.6

At Least $75,000 35,895 100 91.6 4.3 4.0

Homeownership

Homeowner 80,136 100 83.5 11.7 4.7

Non-homeowner 43,614 100 81.2 13.5 5.4

Geographic Region

Northeast 22,199 100 81.4 13.6 5.0

Midwest 27,315 100 82.7 12.5 4.8

South 46,738 100 82.9 12.1 5.0

West 27,498 100 83.4 11.7 4.9

Metropolitan Status

Metropolitan area - Principal City 34,510 100 82.3 12.4 5.2

Metropolitan area - Balance 51,229 100 84.6 10.1 5.2

Not in Metropolitan area 19,325 100 78.2 17.7 4.1

Not Identified 18,686 100 82.8 12.8 4.4

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households

E-3 Smart Phone Access By Household Characteristics, 2013

All households, row percent

Characteristics

Number of 

Households (1000s)

Percent of 

Households

Smartphone 

(Percent)

Non-Smartphone (Percent)No Mobile Phone 

(Percent) Unknown (Percent)

All 123,750 100 55.7 26.5 12.4 5.4

Household Type

Married couple 59,102 100 62.6 23.7 8.9 4.8

Unmarried female-headed family 15,802 100 58.5 24.8 10.6 6.0

Unmarried male-headed family 6,327 100 61.0 22.7 11.6 4.6

Female individual 22,150 100 39.1 33.7 21.1 6.2

Male individual 20,240 100 50.0 29.2 14.7 6.1

Other 128 100 40.1 44.1 8.2 7.6

Race/Ethnicity

Black 16,801 100 52.4 26.0 13.9 7.7

Hispanic 14,948 100 55.7 23.9 14.6 5.7

Asian 5,882 100 67.9 18.1 8.4 5.6

American Indian/Alaskan 1,464 100 47.0 32.4 17.0 3.6

Hawaiian/Pacific Islander 314 100 64.7 22.1 8.2 4.9

White non-Black non-Hispanic 84,310 100 55.6 27.6 11.9 5.0

Other non-Black non-Hispanic NA NA NA NA NA NA

Spanish only language spoken

Spanish is not the only language spoken 121,097 100 56.1 26.4 12.1 5.4

Spanish is only language spoken 2,654 100 36.2 33.6 24.3 5.9

Nativity

U.S.-born 106,397 100 55.6 27.0 12.1 5.3

Foreign born citizen 9,252 100 57.5 22.9 13.3 6.4

Foreign born non citizen 8,102 100 54.4 24.3 15.1 6.2

Age Group

15 to 24 years 6,244 100 76.2 12.3 7.0 4.5

25 to 34 years 20,464 100 76.5 13.0 5.8 4.7

35 to 44 years 21,408 100 72.1 16.7 6.3 5.0

45 to 54 years 24,551 100 62.8 23.3 8.6 5.2

55 to 64 years 22,710 100 48.7 34.1 12.0 5.1

65 years or more 28,372 100 23.2 43.4 26.4 6.9

Disability Status

Disabled 10,841 100 39.4 38.2 16.7 5.7

Not Disabled 78,293 100 68.1 19.9 7.1 4.9

Not Applicable 34,616 100 32.8 37.8 22.9 6.5

Education

No high school degree 13,871 100 30.1 36.4 27.5 6.0

High school degree 33,684 100 44.2 33.4 16.5 5.9

Some college 36,007 100 59.4 25.5 9.8 5.4

College degree 40,188 100 70.8 18.3 6.0 4.9
2013 FDIC National Survey of Unbanked and Underaned Households

E-3 Smart Phone Access By Household Characteristics, 2013

All households, row percent

Characteristics

Number of 

Households (1000s)

Percent of 

Households

Smartphone 

(Percent)

Non-Smartphone (Percent)No Mobile Phone 

(Percent) Unknown (Percent)

Employment Status

Employed 75,587 100 69.1 19.5 6.5 4.9

Unemployed 5,436 100 57.3 27.2 10.9 4.6

Not in labor force 42,727 100 31.8 38.8 23.0 6.4

Family Income

Less than $15,000 19,044 100 31.3 37.4 25.3 6.0

Between $15,000 and $30,000 21,763 100 37.9 36.0 19.9 6.2

Between $30,000 and $50,000 24,496 100 51.0 30.7 12.3 5.9

Between $50,000 and $75,000 22,552 100 63.4 24.4 7.0 5.2

At Least $75,000 35,895 100 77.7 13.5 4.3 4.5

Homeownership

Homeowner 80,136 100 55.4 27.7 11.7 5.2

Non-homeowner 43,614 100 56.3 24.4 13.5 5.8

Geographic Region

Northeast 22,199 100 54.6 26.3 13.6 5.5

Midwest 27,315 100 52.1 30.1 12.5 5.3

South 46,738 100 56.2 26.2 12.1 5.5

West 27,498 100 59.2 23.8 11.7 5.4

Metropolitan Status

Metropolitan area - Principal City 34,510 100 58.8 23.0 12.4 5.8

Metropolitan area - Balance 51,229 100 59.8 24.4 10.1 5.7

Not in Metropolitan area 19,325 100 42.0 35.6 17.7 4.7

Not Identified 18,686 100 52.8 29.5 12.8 4.9

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households 

E-3 Smart Phone Access By Household Characteristics, 2013

All households, row percent

Characteristics

Number of 

Households (1000s)

Percent of 

Households

Smartphone 

(Percent)

Non-Smartphone (Percent)No Mobile Phone 

(Percent) Unknown (Percent)

All 123,750 100 55.7 26.5 12.4 5.4

Household Type

Married couple 59,102 100 62.6 23.7 8.9 4.8

Unmarried female-headed family 15,802 100 58.5 24.8 10.6 6.0

Unmarried male-headed family 6,327 100 61.0 22.7 11.6 4.6

Female individual 22,150 100 39.1 33.7 21.1 6.2

Male individual 20,240 100 50.0 29.2 14.7 6.1

Other 128 100 40.1 44.1 8.2 7.6

Race/Ethnicity

Black 16,801 100 52.4 26.0 13.9 7.7

Hispanic 14,948 100 55.7 23.9 14.6 5.7

Asian 5,882 100 67.9 18.1 8.4 5.6

American Indian/Alaskan 1,464 100 47.0 32.4 17.0 3.6

Hawaiian/Pacific Islander 314 100 64.7 22.1 8.2 4.9

White non-Black non-Hispanic 84,310 100 55.6 27.6 11.9 5.0

Other non-Black non-Hispanic NA NA NA NA NA NA

Spanish only language spoken

Spanish is not the only language spoken 121,097 100 56.1 26.4 12.1 5.4

Spanish is only language spoken 2,654 100 36.2 33.6 24.3 5.9

Nativity

U.S.-born 106,397 100 55.6 27.0 12.1 5.3

Foreign born citizen 9,252 100 57.5 22.9 13.3 6.4

Foreign born non citizen 8,102 100 54.4 24.3 15.1 6.2

Age Group

15 to 24 years 6,244 100 76.2 12.3 7.0 4.5

25 to 34 years 20,464 100 76.5 13.0 5.8 4.7

35 to 44 years 21,408 100 72.1 16.7 6.3 5.0

45 to 54 years 24,551 100 62.8 23.3 8.6 5.2

55 to 64 years 22,710 100 48.7 34.1 12.0 5.1

65 years or more 28,372 100 23.2 43.4 26.4 6.9

Disability Status

Disabled 10,841 100 39.4 38.2 16.7 5.7

Not Disabled 78,293 100 68.1 19.9 7.1 4.9

Not Applicable 34,616 100 32.8 37.8 22.9 6.5

Education

No high school degree 13,871 100 30.1 36.4 27.5 6.0

High school degree 33,684 100 44.2 33.4 16.5 5.9

Some college 36,007 100 59.4 25.5 9.8 5.4

College degree 40,188 100 70.8 18.3 6.0 4.9

Employment Status

Employed 75,587 100 69.1 19.5 6.5 4.9

Unemployed 5,436 100 57.3 27.2 10.9 4.6

Not in labor force 42,727 100 31.8 38.8 23.0 6.4
2013 FDIC National Survey of Unbanked and Underaned Households 

E-3 Smart Phone Access By Household Characteristics, 2013

All households, row percent

Characteristics

Number of 

Households (1000s)

Percent of 

Households

Smartphone 

(Percent)

Non-Smartphone (Percent)No Mobile Phone 

(Percent) Unknown (Percent)

Family Income

Less than $15,000 19,044 100 31.3 37.4 25.3 6.0

Between $15,000 and $30,000 21,763 100 37.9 36.0 19.9 6.2

Between $30,000 and $50,000 24,496 100 51.0 30.7 12.3 5.9

Between $50,000 and $75,000 22,552 100 63.4 24.4 7.0 5.2

At Least $75,000 35,895 100 77.7 13.5 4.3 4.5

Homeownership

Homeowner 80,136 100 55.4 27.7 11.7 5.2

Non-homeowner 43,614 100 56.3 24.4 13.5 5.8

Geographic Region

Northeast 22,199 100 54.6 26.3 13.6 5.5

Midwest 27,315 100 52.1 30.1 12.5 5.3

South 46,738 100 56.2 26.2 12.1 5.5

West 27,498 100 59.2 23.8 11.7 5.4

Metropolitan Status

Metropolitan area - Principal City 34,510 100 58.8 23.0 12.4 5.8

Metropolitan area - Balance 51,229 100 59.8 24.4 10.1 5.7

Not in Metropolitan area 19,325 100 42.0 35.6 17.7 4.7

Not Identified 18,686 100 52.8 29.5 12.8 4.9

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households 

E-4 Internet Access By Household Characteristics, 2013

All households, row percent

Characteristics

Number of Households 

(1000s) Percent of Households Has access (Percent)

Does not have access 

(Percent) Unknown (Percent)

All 123,750 100 75.7 19.3 5.0

Household Type

Married couple 59,102 100 83.5 12.2 4.4

Unmarried female-headed family 15,802 100 75.6 19.0 5.4

Unmarried male-headed family 6,327 100 75.2 20.6 4.2

Female individual 22,150 100 62.5 31.7 5.8

Male individual 20,240 100 67.8 26.3 5.9

Other 128 100 67.6 24.8 7.6

Race/Ethnicity

Black 16,801 100 65.3 27.5 7.1

Hispanic 14,948 100 66.4 28.2 5.4

Asian 5,882 100 82.1 12.8 5.1

American Indian/Alaskan 1,464 100 69.8 26.8 3.4

Hawaiian/Pacific Islander 314 100 82.9 13.7 3.4

White non-Black non-Hispanic 84,310 100 79.1 16.4 4.5

Other non-Black non-Hispanic NA NA NA NA NA

Spanish only language spoken

Spanish is not the only language spoken 121,097 100 76.4 18.6 5.0

Spanish is only language spoken 2,654 100 43.3 51.2 5.5

Nativity

U.S.-born 106,397 100 76.8 18.4 4.8

Foreign born citizen 9,252 100 73.6 20.4 6.0

Foreign born non citizen 8,102 100 64.4 29.7 5.8

Age Group

15 to 24 years 6,244 100 81.5 14.4 4.1

25 to 34 years 20,464 100 84.2 11.3 4.4

35 to 44 years 21,408 100 84.2 11.0 4.8

45 to 54 years 24,551 100 81.5 13.7 4.8

55 to 64 years 22,710 100 77.2 18.2 4.6

65 years or more 28,372 100 55.7 38.1 6.2

Disability Status

Disabled 10,841 100 63.2 31.5 5.3

Not Disabled 78,293 100 84.3 11.2 4.6

Not Applicable 34,616 100 60.3 33.8 5.9

Education

No high school degree 13,871 100 43.6 50.8 5.6

High school degree 33,684 100 66.9 27.7 5.4

Some college 36,007 100 81.2 14.0 4.9

College degree 40,188 100 89.3 6.1 4.6

Employment Status

Employed 75,587 100 85.0 10.4 4.6

Unemployed 5,436 100 77.4 18.6 4.0

Not in labor force 42,727 100 59.1 35.1 5.8
2013 FDIC National Survey of Unbanked and Underaned Households 

E-4 Internet Access By Household Characteristics, 2013

All households, row percent

Characteristics

Number of Households 

(1000s) Percent of Households Has access (Percent)

Does not have access 

(Percent) Unknown (Percent)

Family Income

Less than $15,000 19,044 100 49.1 45.3 5.6

Between $15,000 and $30,000 21,763 100 62.0 32.2 5.8

Between $30,000 and $50,000 24,496 100 76.3 18.3 5.4

Between $50,000 and $75,000 22,552 100 86.3 9.0 4.7

At Least $75,000 35,895 100 91.1 4.8 4.1

Homeownership

Homeowner 80,136 100 78.7 16.6 4.8

Non-homeowner 43,614 100 70.3 24.3 5.5

Geographic Region

Northeast 22,199 100 76.5 18.3 5.2

Midwest 27,315 100 76.8 18.5 4.7

South 46,738 100 72.9 21.9 5.2

West 27,498 100 78.8 16.4 4.9

Metropolitan Status

Metropolitan area - Principal City 34,510 100 75.0 19.7 5.3

Metropolitan area - Balance 51,229 100 79.2 15.4 5.4

Not in Metropolitan area 19,325 100 68.0 27.8 4.2

Not Identified 18,686 100 75.5 20.2 4.3

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households 
2013 FDIC National Survey of Unbanked and Underaned Households 

Appendix F – Banking Methods: National 

Tables
2013 FDIC National Survey of Unbanked and Underaned Households 

F-1a Selected Methods Used To Access Bank Account By Banking Status And Household Characteristics, 

2013

For all banked households that accessed their account in the last 12 months, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Bank Teller : 

Yes (Percent)

Bank Teller : 

No (Percent)

ATM/Kiosk : 

Yes (Percent)

ATM/Kiosk : 

No (Percent)

 Telephone 

Banking : Yes 

(Percent)

Telephone 

Banking : No 

(Percent)

All 108,295 100 78.8 21.2 69.6 30.4 26.1 73.9

Unbanked and Underbanked

Banked: Underbanked 24,405 100 79.2 20.8 76.4 23.6 32.7 67.3

Banked: Fully Banked 81,184 100 78.7 21.3 67.9 32.1 24.3 75.7

Banked: Underbanked Status Unknown 2,707 100 76.3 23.7 58.8 41.2 20.0 80.0

Household Type

Married couple 54,743 100 81.1 18.9 72.2 27.8 27.7 72.3

Unmarried female-headed family 12,222 100 75.6 24.4 73.9 26.1 28.6 71.4

Unmarried male-headed family 5,267 100 77.8 22.2 72.5 27.5 25.5 74.5

Female individual 19,022 100 77.1 22.9 59.0 41.0 22.8 77.2

Male individual 16,948 100 75.7 24.3 69.3 30.7 22.7 77.3

Other 93 100 77.8 22.2 74.1 25.9 30.3 69.7

Race/Ethnicity

Black 12,434 100 75.7 24.3 71.6 28.4 29.0 71.0

Hispanic 11,709 100 74.2 25.8 69.5 30.5 25.1 74.9

Asian 5,420 100 76.1 23.9 69.8 30.2 21.3 78.7

American Indian/Alaskan 1,164 100 77.6 22.4 70.4 29.6 26.3 73.7

Hawaiian/Pacific Islander 281 100 87.6 12.4 86.5 13.5 31.6 68.4

White non-Black non-Hispanic 77,258 100 80.2 19.8 69.2 30.8 26.1 73.9

Other non-Black non-Hispanic NA NA NA NA NA NA NA NA

Spanish only language spoken

Spanish is not the only language spoken 106,644 100 78.8 21.2 69.9 30.1 26.2 73.8

Spanish is only language spoken 1,651 100 78.0 22.0 53.2 46.8 16.2 83.8

Nativity

U.S.-born 94,072 100 79.2 20.8 70.0 30.0 26.8 73.2

Foreign born citizen 8,262 100 78.1 21.9 66.0 34.0 21.4 78.6

Foreign born non citizen 5,961 100 73.5 26.5 68.0 32.0 21.6 78.4

Age Group

15 to 24 years 5,065 100 72.8 27.2 80.6 19.4 28.4 71.6

25 to 34 years 17,239 100 72.1 27.9 80.2 19.8 29.9 70.1

35 to 44 years 18,645 100 76.9 23.1 79.8 20.2 30.5 69.5

45 to 54 years 21,657 100 77.7 22.3 75.9 24.1 29.1 70.9

55 to 64 years 20,426 100 81.4 18.6 68.4 31.6 24.9 75.1

65 years or more 25,262 100 84.7 15.3 48.3 51.7 18.1 81.9

Disability Status

Disabled 8,342 100 75.3 24.7 67.2 32.8 25.0 75.0

Not Disabled 69,625 100 77.5 22.5 76.8 23.2 29.0 71.0

Not Applicable 30,328 100 82.7 17.3 53.7 46.3 19.8 80.2
2013 FDIC National Survey of Unbanked and Underaned Households 

F-1a Selected Methods Used To Access Bank Account By Banking Status And Household Characteristics, 

2013

For all banked households that accessed their account in the last 12 months, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Bank Teller : 

Yes (Percent)

Bank Teller : 

No (Percent)

ATM/Kiosk : 

Yes (Percent)

ATM/Kiosk : 

No (Percent)

 Telephone 

Banking : Yes 

(Percent)

Telephone 

Banking : No 

(Percent)

Education

No high school degree 9,549 100 79.1 20.9 51.0 49.0 15.4 84.6

High school degree 28,205 100 79.2 20.8 62.6 37.4 22.7 77.3

Some college 32,472 100 79.1 20.9 71.9 28.1 27.9 72.1

College degree 38,070 100 78.1 21.9 77.5 22.5 29.7 70.3

Employment Status

Employed 68,510 100 77.9 22.1 76.6 23.4 28.8 71.2

Unemployed 4,021 100 74.6 25.4 74.6 25.4 31.1 68.9

Not in labor force 35,764 100 81.0 19.0 55.7 44.3 20.3 79.7

Family Income

Less than $15,000 12,653 100 75.7 24.3 53.9 46.1 17.9 82.1

Between $15,000 and $30,000 18,082 100 79.3 20.7 58.4 41.6 20.8 79.2

Between $30,000 and $50,000 22,061 100 79.6 20.4 68.4 31.6 25.4 74.6

Between $50,000 and $75,000 21,131 100 79.3 20.7 73.4 26.6 27.7 72.3

At Least $75,000 34,368 100 78.8 21.2 79.7 20.3 31.4 68.6

Homeownership

Homeowner 74,146 100 81.2 18.8 68.1 31.9 25.9 74.1

Non-homeowner 34,149 100 73.5 26.5 72.8 27.2 26.4 73.6

Geographic Region

Northeast 19,688 100 80.1 19.9 71.9 28.1 24.3 75.7

Midwest 24,167 100 81.4 18.6 67.0 33.0 24.5 75.5

South 40,149 100 77.9 22.1 66.9 33.1 26.4 73.6

West 24,290 100 76.7 23.3 74.9 25.1 28.6 71.4

Metropolitan Status

Metropolitan area - Principal City 29,143 100 76.6 23.4 72.3 27.7 27.1 72.9

Metropolitan area - Balance 45,865 100 78.0 22.0 72.2 27.8 26.5 73.5

Not in Metropolitan area 16,645 100 83.5 16.5 59.8 40.2 22.4 77.6

Not Identified 16,642 100 80.0 20.0 67.4 32.6 26.7 73.3

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households 

F-1b Selected Methods Used To Access Bank Account By Banking Status And Household Characteristics, 

2013

For all banked households that accessed their account in the last 12 months, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Online 

Banking : Yes 

(Percent)

Online 

Banking : No 

(Percent)

Mobile 

Banking : Yes 

(Percent)

Mobile 

Banking : No 

(Percent)

Other : Yes 

(Percent)

Other : No 

(Percent)

All 108,295 100 55.1 44.9 23.2 76.8 1.0 99.0

Unbanked and Underbanked

Banked: Underbanked 24,405 100 52.6 47.4 29.2 70.8 0.7 99.3

Banked: Fully Banked 81,184 100 56.2 43.8 21.7 78.3 1.1 98.9

Banked: Underbanked Status Unknown 2,707 100 43.7 56.3 14.8 85.2 2.1 97.9

Household Type

Married couple 54,743 100 62.9 37.1 24.8 75.2 0.8 99.2

Unmarried female-headed family 12,222 100 49.0 51.0 23.1 76.9 0.8 99.2

Unmarried male-headed family 5,267 100 50.1 49.9 26.1 73.9 0.9 99.1

Female individual 19,022 100 42.9 57.1 17.0 83.0 1.9 98.1

Male individual 16,948 100 49.5 50.5 24.4 75.6 1.2 98.8

Other 93 100 53.9 46.1 44.1 55.9 2.0 98.0

Race/Ethnicity

Black 12,434 100 42.8 57.2 22.7 77.3 0.8 99.2

Hispanic 11,709 100 44.3 55.7 24.6 75.4 0.8 99.2

Asian 5,420 100 63.7 36.3 29.6 70.4 0.6 99.4

American Indian/Alaskan 1,164 100 48.9 51.1 19.3 80.7 1.1 98.9

Hawaiian/Pacific Islander 281 100 60.1 39.9 31.3 68.7 - 100.0

White non-Black non-Hispanic 77,258 100 58.2 41.8 22.7 77.3 1.1 98.9

Other non-Black non-Hispanic NA NA NA NA NA NA NA NA

Spanish only language spoken

Spanish is not the only language spoken 106,644 100 55.6 44.4 23.4 76.6 1.0 99.0

Spanish is only language spoken 1,651 100 21.4 78.6 10.0 90.0 1.2 98.8

Nativity

U.S.-born 94,072 100 56.1 43.9 23.3 76.7 1.1 98.9

Foreign born citizen 8,262 100 50.1 49.9 22.0 78.0 0.9 99.1

Foreign born non citizen 5,961 100 46.4 53.6 24.2 75.8 0.8 99.2

Age Group

15 to 24 years 5,065 100 63.5 36.5 44.6 55.4 0.3 99.7

25 to 34 years 17,239 100 71.7 28.3 43.5 56.5 0.3 99.7

35 to 44 years 18,645 100 68.1 31.9 33.9 66.1 0.6 99.4

45 to 54 years 21,657 100 61.4 38.6 23.0 77.0 0.7 99.3

55 to 64 years 20,426 100 51.8 48.2 14.0 86.0 1.0 99.0

65 years or more 25,262 100 29.7 70.3 4.9 95.1 2.3 97.7

Disability Status

Disabled 8,342 100 42.2 57.8 13.8 86.2 1.8 98.2

Not Disabled 69,625 100 65.2 34.8 29.5 70.5 0.5 99.5

Not Applicable 30,328 100 35.4 64.6 11.5 88.5 2.0 98.0
2013 FDIC National Survey of Unbanked and Underaned Households 

F-1b Selected Methods Used To Access Bank Account By Banking Status And Household Characteristics, 

2013

For all banked households that accessed their account in the last 12 months, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Online 

Banking : Yes 

(Percent)

Online 

Banking : No 

(Percent)

Mobile 

Banking : Yes 

(Percent)

Mobile 

Banking : No 

(Percent)

Other : Yes 

(Percent)

Other : No 

(Percent)

Education

No high school degree 9,549 100 17.6 82.4 8.3 91.7 2.0 98.0

High school degree 28,205 100 39.3 60.7 14.9 85.1 1.4 98.6

Some college 32,472 100 58.2 41.8 25.1 74.9 0.9 99.1

College degree 38,070 100 73.6 26.4 31.6 68.4 0.6 99.4

Employment Status

Employed 68,510 100 65.3 34.7 30.1 69.9 0.5 99.5

Unemployed 4,021 100 56.3 43.7 25.8 74.2 0.5 99.5

Not in labor force 35,764 100 35.4 64.6 9.9 90.1 2.0 98.0

Family Income

Less than $15,000 12,653 100 26.7 73.3 11.5 88.5 2.4 97.6

Between $15,000 and $30,000 18,082 100 33.9 66.1 14.3 85.7 1.5 98.5

Between $30,000 and $50,000 22,061 100 48.6 51.4 19.9 80.1 0.9 99.1

Between $50,000 and $75,000 21,131 100 62.4 37.6 25.1 74.9 0.7 99.3

At Least $75,000 34,368 100 76.5 23.5 33.2 66.8 0.6 99.4

Homeownership

Homeowner 74,146 100 56.8 43.2 20.7 79.3 1.0 99.0

Non-homeowner 34,149 100 51.4 48.6 28.8 71.2 1.0 99.0

Geographic Region

Northeast 19,688 100 52.9 47.1 19.5 80.5 0.9 99.1

Midwest 24,167 100 54.9 45.1 20.8 79.2 1.1 98.9

South 40,149 100 52.4 47.6 23.8 76.2 1.0 99.0

West 24,290 100 61.5 38.5 27.8 72.2 1.1 98.9

Metropolitan Status

Metropolitan area - Principal City 29,143 100 55.8 44.2 27.2 72.8 0.7 99.3

Metropolitan area - Balance 45,865 100 60.2 39.8 25.0 75.0 0.8 99.2

Not in Metropolitan area 16,645 100 41.4 58.6 13.1 86.9 1.9 98.1

Not Identified 16,642 100 53.5 46.5 21.5 78.5 1.3 98.7

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households 

F-2 Primary Method Used To Access Bank Account By Banking Status And Household Characteristics, 2013

For all banked households that accessed their account in the last 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)

Unknown 

(Percent)

All 108,295 100 32.2 24.4 3.3 32.9 5.7 0.8 0.7

Unbanked and Underbanked

Banked: Underbanked 24,405 100 29.0 29.5 4.6 26.6 9.5 0.5 0.4

Banked: Fully Banked 81,184 100 33.0 23.0 3.0 35.1 4.7 0.8 0.5

Banked: Underbanked Status Unknown 2,707 100 38.8 21.2 2.8 23.5 2.7 1.9 9.0

Household Type

Married couple 54,743 100 30.4 21.8 2.7 39.1 4.8 0.5 0.7

Unmarried female-headed family 12,222 100 30.2 31.6 4.5 24.9 7.5 0.5 0.8

Unmarried male-headed family 5,267 100 34.1 30.0 2.6 23.3 8.8 0.8 0.4

Female individual 19,022 100 38.4 22.5 4.9 26.7 5.1 1.7 0.7

Male individual 16,948 100 32.2 28.0 2.8 28.4 7.0 0.9 0.7

Other 93 100 21.6 18.3 3.7 28.6 25.9 2.0 -

Race/Ethnicity

Black 12,434 100 33.1 31.6 4.8 21.4 7.8 0.7 0.7

Hispanic 11,709 100 34.0 29.9 3.6 23.0 8.3 0.6 0.7

Asian 5,420 100 29.8 21.5 1.4 40.1 5.7 0.5 0.8

American Indian/Alaskan 1,164 100 32.6 30.7 3.6 28.4 3.1 1.1 0.4

Hawaiian/Pacific Islander 281 100 29.8 25.2 4.8 34.0 6.1 - 0.2

White non-Black non-Hispanic 77,258 100 32.0 22.5 3.2 35.8 5.0 0.8 0.7

Other non-Black non-Hispanic NA NA NA NA NA NA NA NA NA

Spanish only language spoken

Spanish is not the only language spoken 106,644 100 31.9 24.3 3.3 33.2 5.8 0.8 0.7

Spanish is only language spoken 1,651 100 54.3 28.5 3.5 8.6 3.5 1.2 0.4

Nativity

U.S.-born 94,072 100 31.6 24.1 3.4 33.6 5.8 0.8 0.7

Foreign born citizen 8,262 100 37.0 24.6 2.8 30.0 4.1 0.8 0.8

Foreign born non citizen 5,961 100 35.1 28.2 2.4 26.0 6.9 0.6 0.8

Age Group

15 to 24 years 5,065 100 21.1 27.4 2.9 27.8 20.3 0.2 0.3

25 to 34 years 17,239 100 17.0 23.5 3.1 42.5 13.2 0.1 0.6

35 to 44 years 18,645 100 21.1 24.5 3.0 41.5 8.9 0.2 0.8

45 to 54 years 21,657 100 26.7 27.5 3.2 37.7 3.7 0.5 0.7

55 to 64 years 20,426 100 36.1 25.9 3.5 31.6 1.4 0.7 0.9

65 years or more 25,262 100 54.6 20.4 3.8 17.8 0.6 2.1 0.7

Disability Status

Disabled 8,342 100 35.6 29.3 5.3 24.8 2.7 1.4 0.9

Not Disabled 69,625 100 24.5 25.0 2.9 39.7 6.9 0.3 0.7

Not Applicable 30,328 100 49.0 21.5 3.6 19.5 3.9 1.8 0.6

Education

No high school degree 9,549 100 55.6 26.9 4.0 8.8 2.4 1.9 0.4

High school degree 28,205 100 41.8 27.5 3.8 21.0 4.3 1.1 0.5

Some college 32,472 100 30.2 24.7 3.6 32.5 7.4 0.7 0.9

College degree 38,070 100 21.0 21.1 2.5 48.0 6.2 0.3 0.8
2013 FDIC National Survey of Unbanked and Underaned Households 

F-2 Primary Method Used To Access Bank Account By Banking Status And Household Characteristics, 2013

For all banked households that accessed their account in the last 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)

Unknown 

(Percent)

Employment Status

Employed 68,510 100 24.7 24.8 3.0 38.9 7.5 0.3 0.8

Unemployed 4,021 100 28.7 27.5 3.6 31.1 8.3 0.3 0.5

Not in labor force 35,764 100 47.1 23.2 3.9 21.5 2.0 1.7 0.6

Family Income

Less than $15,000 12,653 100 47.5 27.1 4.2 14.5 4.0 2.2 0.5

Between $15,000 and $30,000 18,082 100 44.9 26.3 4.4 17.3 5.3 1.3 0.4

Between $30,000 and $50,000 22,061 100 35.7 26.3 3.7 26.7 6.3 0.7 0.6

Between $50,000 and $75,000 21,131 100 28.3 24.0 3.1 36.8 6.4 0.4 1.0

At Least $75,000 34,368 100 20.1 21.4 2.3 49.4 5.7 0.3 0.8

Homeownership

Homeowner 74,146 100 34.1 22.0 3.0 35.4 3.9 0.8 0.7

Non-homeowner 34,149 100 28.2 29.5 4.0 27.4 9.6 0.7 0.7

Geographic Region

Northeast 19,688 100 32.9 29.5 2.8 29.4 3.9 0.6 0.7

Midwest 24,167 100 35.6 22.1 3.1 33.1 4.4 0.9 0.7

South 40,149 100 33.3 23.2 3.9 31.4 6.7 0.8 0.7

West 24,290 100 26.4 24.5 2.9 37.9 6.7 0.8 0.8

Metropolitan Status

Metropolitan area - Principal City 29,143 100 28.9 26.8 3.4 32.9 6.8 0.5 0.7

Metropolitan area - Balance 45,865 100 29.1 23.6 3.0 37.0 6.0 0.6 0.8

Not in Metropolitan area 16,645 100 44.9 22.7 3.9 23.2 3.2 1.6 0.6

Not Identified 16,642 100 34.0 24.0 3.4 31.1 5.5 1.0 0.8

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households 

F-3 Banking Status And Household Characteristics By Use Of Bank Teller

For all banked households that accessed their account in the last 12 months, column percent

Characteristics All Bank teller only

Bank teller and other methods 

used

No Bank Teller but other 

methods used

Number of Households (1000s) 108,295 18,919 66,409 22,967

Percent of Households 100 100 100 100

Unbanked and Underbanked (Percent)

Banked: Underbanked 22.5 17.8 24.0 22.1

Banked: Fully Banked 75.0 78.6 73.9 75.1

Banked: Underbanked Status Unknown 2.5 3.6 2.1 2.8

Household Type (Percent)

Married couple 50.6 42.1 54.9 45.0

Unmarried female-headed family 11.3 9.8 11.1 13.0

Unmarried male-headed family 4.9 4.8 4.8 5.1

Female individual 17.6 25.9 14.7 18.9

Male individual 15.6 17.4 14.4 17.9

Other 0.1 - 0.1 0.1

Race/Ethnicity (Percent)

Black 11.5 12.3 10.7 13.2

Hispanic 10.8 12.3 9.6 13.2

Asian 5.0 4.7 4.9 5.6

American Indian/Alaskan 1.1 1.1 1.0 1.1

Hawaiian/Pacific Islander 0.3 0.1 0.3 0.2

White non-Black non-Hispanic 71.3 69.4 73.5 66.7

Other non-Black non-Hispanic - - - -

Spanish only language spoken (Percent)

Spanish is not the only language spoken 98.5 96.8 99.0 98.4

Spanish is only language spoken 1.5 3.2 1.0 1.6

Nativity (Percent)

U.S.-born 86.9 83.7 88.3 85.3

Foreign born citizen 7.6 9.7 7.0 7.9

Foreign born non citizen 5.5 6.6 4.7 6.9

Age Group (Percent)

15 to 24 years 4.7 2.6 4.8 6.0

25 to 34 years 15.9 6.4 16.9 21.0

35 to 44 years 17.2 8.7 19.1 18.7

45 to 54 years 20.0 14.0 21.4 21.0

55 to 64 years 18.9 19.2 19.6 16.5

65 years or more 23.3 49.1 18.2 16.8

Disability Status (Percent)

Disabled 7.7 8.6 7.0 9.0

Not Disabled 64.3 39.7 69.9 68.2

Not Applicable 28.0 51.7 23.1 22.8
2013 FDIC National Survey of Unbanked and Underaned Households 

F-3 Banking Status And Household Characteristics By Use Of Bank Teller

For all banked households that accessed their account in the last 12 months, column percent

Characteristics All Bank teller only

Bank teller and other methods 

used

No Bank Teller but other 

methods used

Education (Percent)

No high school degree 8.8 19.8 5.7 8.7

High school degree 26.0 36.8 23.2 25.5

Some college 30.0 25.5 31.4 29.6

College degree 35.2 17.9 39.7 36.2

Employment Status (Percent)

Employed 63.3 39.6 69.1 65.9

Unemployed 3.7 2.7 3.7 4.4

Not in labor force 33.0 57.7 27.2 29.6

Family Income (Percent)

Less than $15,000 11.7 22.6 8.0 13.4

Between $15,000 and $30,000 16.7 27.3 13.8 16.3

Between $30,000 and $50,000 20.4 22.2 20.1 19.6

Between $50,000 and $75,000 19.5 14.1 21.2 19.1

At Least $75,000 31.7 13.8 36.9 31.7

Homeownership (Percent)

Homeowner 68.5 72.0 70.2 60.6

Non-homeowner 31.5 28.0 29.8 39.4

Geographic Region (Percent)

Northeast 18.2 18.1 18.6 17.1

Midwest 22.3 25.0 22.5 19.5

South 37.1 41.1 35.4 38.7

West 22.4 15.7 23.6 24.7

Metropolitan Status (Percent)

Metropolitan area - Principal City 26.9 24.2 26.7 29.7

Metropolitan area - Balance 42.4 36.2 43.6 43.9

Not in Metropolitan area 15.4 23.6 14.2 11.9

Not Identified 15.4 16.0 15.5 14.5

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households 

F-4 Mobile Banking Activities By Banking Status, 2013

For all banked households that used mobile banking in the last 12 months, column percent

Characteristics All Banked: Underbanked Banked: Fully Banked

Banked: Underbanked 

Status Unknown

Number of Households (1000s) 25,165 7,121 17,644 400

Percent of Households 100 100 100 100

Downloaded or use bank mobile app (Percent)

Yes 67.9 69.5 68.0 38.8

No 30.2 29.7 30.3 31.3

Unknown 1.9 0.8 1.7 29.9

Checked balance or transactions (Percent)

Yes 86.0 88.5 85.7 55.0

No 12.1 10.6 12.6 15.0

Unknown 1.9 0.8 1.7 29.9

Bill payment (Percent)

Yes 59.7 59.5 60.0 47.2

No 38.5 39.6 38.3 22.9

Unknown 1.9 0.8 1.7 29.9

Text message alert (Percent)

Yes 46.2 51.5 44.6 26.9

No 51.9 47.6 53.8 43.1

Unknown 1.9 0.8 1.7 29.9

Sent money to other people (Percent)

Yes 26.6 29.0 25.8 17.2

No 71.6 70.2 72.5 52.9

Unknown 1.9 0.8 1.7 29.9

Transferred money between accounts (Percent)

Yes 55.5 54.9 56.2 32.4

No 42.6 44.3 42.1 37.7

Unknown 1.9 0.8 1.7 29.9

Deposited a check electronically (Percent)

Yes 25.5 24.8 26.1 13.4

No 72.6 74.4 72.2 56.7

Unknown 1.9 0.8 1.7 29.9

Located the closest in-network ATM or bank branch (Percent)

Yes 33.1 38.0 31.4 20.1

No 65.1 61.2 67.0 50.0

Unknown 1.9 0.8 1.7 29.9

Other (Percent)

Yes 3.0 2.3 3.3 5.2

No 95.1 96.9 95.0 64.8

Unknown 1.9 0.8 1.7 29.9

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households 

Appendix G – State Tables
2013 FDIC National Survey of Unbanked and Underaned Households 

G-1 Banking Status By State, 2013

For all households, row percent

Characteristics

Number of Households 

(1000s) Percent of Households Unbanked (Percent)

Banked: Underbanked 

(Percent)

Banked: Fully Banked (Percent)

Banked: Underbanked 

Status Unknown 

(Percent)

All 123,750 100 7.7 20.0 67.0 5.3

State

AL 2,057 100 9.2 26.4 59.1 5.2

AK 277 100 1.9 19.3 70.6 8.3

AZ 2,542 100 12.8 17.6 65.1 4.5

AR 1,242 100 12.3 25.7 58.9 3.1

CA 13,537 100 8.0 17.0 69.1 5.8

CO 2,121 100 6.4 17.3 72.5 3.7

CT 1,442 100 5.6 14.4 75.2 4.8

DE 373 100 6.1 18.5 68.1 7.3

DC 332 100 11.8 24.8 58.0 5.5

FL 8,107 100 6.2 19.1 65.1 9.6

GA 3,934 100 10.9 26.9 57.5 4.7

HI 472 100 3.8 19.7 70.4 6.1

ID 622 100 5.4 19.0 72.4 3.3

IL 5,073 100 7.4 14.6 72.3 5.7

IN 2,647 100 7.2 17.6 72.1 3.1

IA 1,264 100 4.5 14.4 75.0 6.1

KS 1,181 100 6.0 22.9 68.6 2.6

KY 1,844 100 9.7 23.5 64.2 2.5

LA 1,786 100 13.9 24.5 58.3 3.3

ME 562 100 2.4 19.2 74.5 3.9

MD 2,277 100 4.8 23.9 68.0 3.3

MA 2,661 100 5.8 17.2 72.3 4.6

MI 3,911 100 5.7 18.1 69.0 7.2

MN 2,177 100 3.6 12.3 81.9 2.3

MS 1,126 100 14.5 32.8 49.5 3.1

MO 2,485 100 8.9 20.4 66.5 4.1

MT 426 100 6.6 17.0 70.0 6.5

NE 781 100 5.7 20.1 70.6 3.6

NV 1,134 100 7.9 24.7 62.1 5.3

NH 544 100 2.9 13.9 78.1 5.1

NJ 3,283 100 8.2 19.6 67.9 4.2

NM 857 100 10.9 22.5 62.1 4.6

NY 7,736 100 8.5 19.6 65.2 6.7

NC 3,843 100 8.4 21.5 63.7 6.4

ND 297 100 2.8 20.0 72.8 4.4

OH 4,786 100 7.2 20.0 65.0 7.8

OK 1,569 100 10.9 22.2 63.2 3.8

OR 1,590 100 4.5 17.1 71.9 6.5

PA 5,267 100 5.2 22.2 67.3 5.3

RI 434 100 6.2 14.0 72.6 7.2

SC 1,945 100 10.5 25.6 61.8 2.1
2013 FDIC National Survey of Unbanked and Underaned Households 

G-1 Banking Status By State, 2013

For all households, row percent

Characteristics

Number of Households 

(1000s) Percent of Households Unbanked (Percent)

Banked: Underbanked 

(Percent)

Banked: Fully Banked (Percent)

Banked: Underbanked 

Status Unknown 

(Percent)

SD 334 100 4.2 19.9 72.1 3.7

TN 2,627 100 9.7 18.7 67.8 3.8

TX 9,678 100 10.4 27.4 58.9 3.2

UT 972 100 3.3 13.0 81.5 2.1

VT 269 100 3.1 16.2 76.8 4.0

VA 3,206 100 6.5 19.5 66.4 7.6

WA 2,699 100 4.1 17.2 73.4 5.2

WV 791 100 11.0 19.0 65.0 4.9

WI 2,380 100 4.8 10.4 80.7 4.1

WY 249 100 5.6 21.8 68.0 4.6

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households 

G-2 Unbanked Rates By State And Year, 2011-2013

Characteristics 2011 2013 Estimate Diff from 2011

State

AL 10.2 9.2 -1.0

AK 5.2 1.9 -3.24*

AZ 11.6 12.8 1.2

AR 12.3 12.3 -0.0

CA 7.8 8.0 0.2

CO 5.4 6.4 1.0

CT 5.3 5.6 0.3

DE 6.7 6.1 -0.6

DC 10.9 11.8 0.9

FL 7.3 6.2 -1.1

GA 11.5 10.9 -0.7

HI 3.8 3.8 0.0

ID 5.7 5.4 -0.3

IL 7.6 7.4 -0.1

IN 7.8 7.2 -0.6

IA 4.4 4.5 0.2

KS 7.1 6.0 -1.1

KY 9.9 9.7 -0.1

LA 11.5 13.9 2.4

ME 3.7 2.4 -1.4

MD 5.6 4.8 -0.9

MA 4.9 5.8 0.9

MI 7.7 5.7 -2.02*

MN 4.1 3.6 -0.6

MS 15.1 14.5 -0.6

MO 9.5 8.9 -0.6

MT 4.8 6.6 1.8

NE 3.7 5.7 2.0

NV 7.5 7.9 0.5

NH 1.9 2.9 1.0

NJ 6.6 8.2 1.6

NM 11.5 10.9 -0.6

NY 9.6 8.5 -1.1

NC 9.3 8.4 -0.8

ND 5.3 2.8 -2.52*

OH 8.8 7.2 -1.6

OK 10.9 10.9 -0.0

OR 4.3 4.5 0.2

PA 6.1 5.2 -0.9

RI 7.0 6.2 -0.8

SC 9.3 10.5 1.2

SD 4.4 4.2 -0.2

TN 10.9 9.7 -1.1
2013 FDIC National Survey of Unbanked and Underaned Households 

G-2 Unbanked Rates By State And Year, 2011-2013

Characteristics 2011 2013 Estimate Diff from 2011

TX 12.8 10.4 -2.32*

UT 2.8 3.3 0.5

VT 3.4 3.1 -0.3

VA 6.6 6.5 -0.1

WA 4.5 4.1 -0.3

WV 9.5 11.0 1.5

WI 4.5 4.8 0.2

WY 5.8 5.6 -0.2

* Indicates differences that are statistically significant at the 10% level.

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to 

be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households 

G-3 Bank Account Type By State, 2013

Characteristics

Number of 

Households (1000s)

Percent of 

Households Unbanked (Percent)

Checking and 

Savings (Percent)

Savings Only 

(Percent)

Checking Only 

(Percent)

Banked, Account 

Type Unknown (Percent)

All 123,750 100 7.7 66.8 2.0 21.7 1.8

State

AL 2,057 100 9.2 54.0 5.4 29.7 1.7

AK 277 100 1.9 85.1 1.7 8.9 2.5

AZ 2,542 100 12.8 63.0 0.3 22.1 1.8

AR 1,242 100 12.3 45.6 3.8 37.1 1.2

CA 13,537 100 8.0 69.4 1.7 18.6 2.2

CO 2,121 100 6.4 76.8 0.8 15.0 1.1

CT 1,442 100 5.6 78.0 1.2 14.2 1.0

DE 373 100 6.1 70.6 2.1 18.7 2.5

DC 332 100 11.8 70.0 1.2 14.8 2.3

FL 8,107 100 6.2 62.3 1.5 27.1 2.9

GA 3,934 100 10.9 62.2 1.8 23.9 1.3

HI 472 100 3.8 76.9 1.6 16.2 1.5

ID 622 100 5.4 73.4 1.4 19.4 0.5

IL 5,073 100 7.4 68.3 2.6 20.2 1.6

IN 2,647 100 7.2 66.4 2.7 22.3 1.3

IA 1,264 100 4.5 75.2 2.0 16.4 1.8

KS 1,181 100 6.0 65.5 2.7 24.8 1.0

KY 1,844 100 9.7 53.5 1.2 34.3 1.2

LA 1,786 100 13.9 55.5 2.6 26.7 1.3

ME 562 100 2.4 76.2 3.7 16.6 1.1

MD 2,277 100 4.8 74.7 1.7 17.4 1.5

MA 2,661 100 5.8 72.5 2.9 17.4 1.4

MI 3,911 100 5.7 72.8 2.9 15.1 3.5

MN 2,177 100 3.6 77.9 2.3 15.8 0.4

MS 1,126 100 14.5 46.9 2.5 34.6 1.5

MO 2,485 100 8.9 63.5 1.7 24.5 1.3

MT 426 100 6.6 69.0 3.2 19.2 2.0

NE 781 100 5.7 69.9 2.6 21.0 0.8

NV 1,134 100 7.9 67.7 0.9 22.5 1.0

NH 544 100 2.9 74.2 2.5 19.2 1.2

NJ 3,283 100 8.2 67.8 0.8 21.9 1.3

NM 857 100 10.9 66.1 1.7 20.6 0.7

NY 7,736 100 8.5 68.7 2.9 17.5 2.3

NC 3,843 100 8.4 64.2 2.9 22.6 1.9

ND 297 100 2.8 74.7 2.7 19.3 0.6

OH 4,786 100 7.2 62.9 2.3 23.2 4.4

OK 1,569 100 10.9 56.9 1.8 29.0 1.4

OR 1,590 100 4.5 79.9 1.1 12.7 1.8

PA 5,267 100 5.2 66.0 1.5 25.8 1.5

RI 434 100 6.2 74.2 2.3 14.8 2.4

SC 1,945 100 10.5 58.2 2.8 27.8 0.6
2013 FDIC National Survey of Unbanked and Underaned Households 

G-3 Bank Account Type By State, 2013

Characteristics

Number of 

Households (1000s)

Percent of 

Households Unbanked (Percent)

Checking and 

Savings (Percent)

Savings Only 

(Percent)

Checking Only 

(Percent)

Banked, Account 

Type Unknown (Percent)

SD 334 100 4.2 74.2 2.3 18.0 1.3

TN 2,627 100 9.7 59.4 1.9 27.0 2.0

TX 9,678 100 10.4 61.9 1.9 24.4 1.4

UT 972 100 3.3 84.7 2.7 8.8 0.5

VT 269 100 3.1 68.7 1.7 25.2 1.4

VA 3,206 100 6.5 68.5 1.2 22.4 1.4

WA 2,699 100 4.1 81.6 0.3 12.7 1.3

WV 791 100 11.0 51.7 2.3 34.0 1.0

WI 2,380 100 4.8 74.6 2.5 16.5 1.6

WY 249 100 5.6 73.8 4.1 13.9 2.6

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households 

G-4 Savings Account Ownership Rate By State And Year, 2011-2013

Characteristics 2011 2013 Estimate Diff from 2011

State

AL 62.6 59.3 -3.3

AK 83.8 86.7 2.9

AZ 71.4 63.4 -7.97*

AR 45.8 49.4 3.6

CA 72.1 71.2 -0.9

CO 75.4 77.5 2.1

CT 77.1 79.2 2.0

DE 68.0 72.7 4.72*

DC 70.2 71.1 1.0

FL 66.3 63.9 -2.5

GA 60.9 64.0 3.0

HI 78.6 78.5 -0.0

ID 76.1 74.8 -1.3

IL 68.1 70.8 2.78*

IN 68.6 69.3 0.7

IA 74.7 77.2 2.5

KS 67.8 68.3 0.5

KY 58.8 54.8 -4.0

LA 58.9 58.1 -0.8

ME 79.3 80.1 0.9

MD 75.0 76.3 1.3

MA 79.0 75.4 -3.6

MI 74.9 75.7 0.8

MN 76.0 80.2 4.15*

MS 51.8 49.4 -2.5

MO 64.7 65.3 0.6

MT 72.3 72.2 -0.1

NE 73.3 72.4 -0.9

NV 68.5 68.6 0.1

NH 79.1 76.8 -2.2

NJ 74.5 68.6 -5.94*

NM 67.8 67.8 0.0

NY 71.7 71.7 -0.1

NC 66.4 67.1 0.7

ND 75.4 77.3 1.9

OH 68.1 65.6 -2.5

OK 60.0 58.6 -1.4

OR 80.0 81.1 1.1

PA 68.6 67.5 -1.1

RI 72.0 76.7 4.69*

SC 62.9 61.0 -1.9

SD 76.4 76.4 0.1

TN 59.3 61.3 2.0
2013 FDIC National Survey of Unbanked and Underaned Households 

G-4 Savings Account Ownership Rate By State And Year, 2011-2013

Characteristics 2011 2013 Estimate Diff from 2011

TX 62.8 63.9 1.2

UT 83.7 87.4 3.78*

VT 76.1 70.3 -5.74*

VA 68.3 69.8 1.5

WA 84.4 81.8 -2.6

WV 52.1 54.0 1.8

WI 80.5 77.1 -3.4

WY 74.0 77.8 3.8

* Indicates differences that are statistically significant at the 10% level.

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to 

be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households 

G-5 Prepaid Debit Card Use in Last 12 Months by State, 2013

For all households, row percent

Characteristics

Number of Households 

(1000s) Percent of Households

Used in last 12 months 

(Percent)

Used but not in last 12 

months (Percent) Never Used (Percent) Unknown (Percent)

All 123,750 100 7.9 4.1 82.3 5.7

State

AL 2,057 100 6.8 4.3 84.5 4.5

AK 277 100 7.8 6.3 78.5 7.5

AZ 2,542 100 6.4 2.7 87.0 3.9

AR 1,242 100 10.2 3.2 82.0 4.6

CA 13,537 100 7.0 3.5 83.3 6.2

CO 2,121 100 9.4 4.3 81.7 4.6

CT 1,442 100 6.5 3.0 85.6 4.8

DE 373 100 5.8 4.3 82.3 7.6

DC 332 100 9.0 5.1 78.2 7.6

FL 8,107 100 7.6 4.0 78.2 10.2

GA 3,934 100 9.1 4.5 81.4 5.1

HI 472 100 3.5 5.3 85.1 6.2

ID 622 100 5.9 3.4 88.2 2.5

IL 5,073 100 8.0 3.4 83.1 5.5

IN 2,647 100 9.0 4.1 82.5 4.4

IA 1,264 100 10.1 4.1 79.7 6.1

KS 1,181 100 9.8 5.9 81.7 2.7

KY 1,844 100 10.2 4.8 82.1 3.0

LA 1,786 100 8.2 3.7 84.8 3.3

ME 562 100 8.7 5.7 81.3 4.3

MD 2,277 100 6.7 3.0 86.6 3.7

MA 2,661 100 5.1 2.6 87.5 4.9

MI 3,911 100 8.2 4.3 80.2 7.3

MN 2,177 100 8.2 4.0 85.5 2.3

MS 1,126 100 14.9 8.2 71.4 5.5

MO 2,485 100 9.6 4.4 81.3 4.7

MT 426 100 5.2 3.2 84.7 7.0

NE 781 100 8.1 5.1 82.7 4.1

NV 1,134 100 7.1 4.5 82.5 5.9

NH 544 100 9.4 4.2 81.6 4.8

NJ 3,283 100 7.0 3.1 84.4 5.5

NM 857 100 9.6 4.3 80.0 6.1

NY 7,736 100 6.8 3.7 82.1 7.4

NC 3,843 100 6.6 2.7 84.0 6.8

ND 297 100 9.5 5.3 80.8 4.4

OH 4,786 100 9.4 5.3 78.0 7.3

OK 1,569 100 12.9 6.1 77.0 4.0

OR 1,590 100 7.6 4.5 81.7 6.1

PA 5,267 100 6.1 4.3 84.0 5.6

RI 434 100 9.6 4.1 77.8 8.6

SC 1,945 100 8.1 4.8 84.4 2.8
2013 FDIC National Survey of Unbanked and Underaned Households 

G-5 Prepaid Debit Card Use in Last 12 Months by State, 2013

For all households, row percent

Characteristics

Number of Households 

(1000s) Percent of Households

Used in last 12 months 

(Percent)

Used but not in last 12 

months (Percent) Never Used (Percent) Unknown (Percent)

SD 334 100 8.5 5.4 81.5 4.6

TN 2,627 100 8.5 4.1 83.2 4.1

TX 9,678 100 9.3 4.1 82.3 4.3

UT 972 100 7.6 4.2 85.3 2.8

VT 269 100 6.8 4.4 85.1 3.8

VA 3,206 100 6.3 5.6 78.7 9.4

WA 2,699 100 6.2 4.2 83.9 5.6

WV 791 100 6.3 3.1 86.1 4.5

WI 2,380 100 10.4 4.6 80.7 4.2

WY 249 100 7.1 5.7 81.7 5.5

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households 

G-6 AFS Recency Of Use By State, 2013

For all households, row percent

Characteristics

Number of 

Households (1000s)

Percent of 

Households

Used: in last 30 days (Percent)

Used: Not in last 30 

days but in last 12 

months (Percent)

Used: Not in last 12 

months (Percent) Never Used (Percent)

Use Unknown 

(Percent)

All 123,750 100 12.0 12.9 14.4 55.3 5.4

State

AL 2,057 100 14.6 19.0 20.4 40.7 5.2

AK 277 100 9.2 11.5 20.7 51.1 7.6

AZ 2,542 100 10.0 13.0 12.7 60.1 4.2

AR 1,242 100 16.7 17.6 17.2 45.5 2.9

CA 13,537 100 11.1 11.2 12.2 59.5 5.9

CO 2,121 100 11.1 10.9 14.9 58.8 4.4

CT 1,442 100 7.5 10.3 9.8 68.2 4.3

DE 373 100 8.9 12.5 15.5 55.7 7.4

DC 332 100 16.9 13.7 16.7 46.3 6.4

FL 8,107 100 10.4 12.3 13.8 53.9 9.7

GA 3,934 100 17.1 16.8 15.6 45.9 4.6

HI 472 100 6.6 14.8 9.3 63.4 5.9

ID 622 100 12.2 11.1 20.3 53.2 3.2

IL 5,073 100 10.0 9.2 11.4 63.7 5.7

IN 2,647 100 11.2 10.5 14.2 60.2 3.7

IA 1,264 100 7.7 10.2 11.3 65.0 5.8

KS 1,181 100 14.0 13.0 18.4 52.2 2.4

KY 1,844 100 14.1 15.7 16.3 51.5 2.3

LA 1,786 100 17.0 15.7 14.2 49.9 3.2

ME 562 100 7.8 12.9 17.2 58.4 3.8

MD 2,277 100 12.8 13.9 13.1 57.0 3.2

MA 2,661 100 9.6 11.2 10.8 63.6 4.8

MI 3,911 100 10.6 10.8 15.0 56.9 6.6

MN 2,177 100 7.5 7.4 13.9 68.8 2.3

MS 1,126 100 19.1 21.3 19.0 35.7 4.8

MO 2,485 100 12.0 13.4 15.6 54.4 4.6

MT 426 100 9.2 12.3 14.8 56.9 6.8

NE 781 100 12.9 10.7 15.7 57.4 3.3

NV 1,134 100 15.3 14.6 17.1 47.2 5.7

NH 544 100 7.1 8.8 15.8 63.5 4.7

NJ 3,283 100 9.8 15.5 15.8 54.0 4.8

NM 857 100 15.1 14.9 12.8 52.3 5.0

NY 7,736 100 11.3 13.6 14.6 53.6 6.9

NC 3,843 100 10.1 16.4 12.4 54.7 6.4

ND 297 100 7.5 14.1 13.0 61.5 3.8

OH 4,786 100 12.1 13.1 17.0 49.8 8.0

OK 1,569 100 16.7 12.7 16.1 50.6 3.9

OR 1,590 100 8.6 12.0 18.3 54.9 6.3

PA 5,267 100 11.6 13.9 15.1 54.1 5.3

RI 434 100 7.2 9.5 12.3 63.5 7.5

SC 1,945 100 15.9 16.4 15.6 49.6 2.5
2013 FDIC National Survey of Unbanked and Underaned Households 

G-6 AFS Recency Of Use By State, 2013

For all households, row percent

Characteristics

Number of 

Households (1000s)

Percent of 

Households

Used: in last 30 days (Percent)

Used: Not in last 30 

days but in last 12 

months (Percent)

Used: Not in last 12 

months (Percent) Never Used (Percent)

Use Unknown 

(Percent)

SD 334 100 8.3 12.9 12.5 62.2 4.2

TN 2,627 100 12.9 11.0 15.6 56.3 4.2

TX 9,678 100 20.0 14.3 15.0 47.1 3.6

UT 972 100 5.2 9.8 15.6 66.8 2.6

VT 269 100 8.7 9.7 16.0 61.8 3.8

VA 3,206 100 8.8 14.7 12.5 55.8 8.3

WA 2,699 100 9.1 11.1 18.5 56.3 5.0

WV 791 100 13.3 13.9 13.4 53.7 5.7

WI 2,380 100 7.3 6.0 12.3 70.1 4.3

WY 249 100 13.2 12.0 17.0 53.1 4.6

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households 
2013 FDIC National Survey of Unbanked and Underaned Households 

Appendix H – MSA Tables
2013 FDIC National Survey of Unbanked and Underaned Households 

H-1 Banking Status By MSA, 2013

For all households, row percent

Characteristics

Number of 

Households (1000s)

Percent of 

Households Unbanked (Percent)

Banked: 

Underbanked 

(Percent)

Banked: Fully 

Banked (Percent)

Banked: 

Underbanked Status 

Unknown (Percent)

All 99,360 100 7.6 19.8 67.0 5.5

MSA

Albuquerque, NM 397 100 11.1 24.4 60.3 4.2

Atlanta-Sandy Springs-Marietta, GA 2,169 100 9.1 27.9 57.8 5.3

Austin-Round Rock, TX 682 100 1.3 16.6 77.7 4.4

Baltimore-Towson, MD 1,046 100 5.3 25.4 65.3 4.0

Birmingham-Hoover, AL 575 100 5.7 25.1 64.0 5.2

Boise City-Nampa, ID 246 100 6.9 16.3 74.5 2.3

Boston-Cambridge-Quincy, MA-NH 1,843 100 6.6 15.3 73.9 4.2

Bridgeport-Stamford-Norwalk, CT 375 100 4.0 10.4 80.1 5.5

Buffalo-Niagara Falls, NY 461 100 8.4 12.1 74.3 5.1

Burlington-South Burlington, VT 79 100 0.6 17.3 77.0 5.1

Charlotte-Gastonia-Concord, NC-SC 715 100 7.7 28.3 61.9 2.0

Chicago-Naperville-Joliet, IL-IN-WI 3,531 100 7.6 13.5 72.4 6.6

Cincinnati-Middletown, OH-KY-IN 914 100 9.0 21.5 60.9 8.6

Cleveland-Elyria-Mentor, OH 902 100 6.2 17.2 70.2 6.4

Columbia, SC 359 100 12.5 27.2 59.6 0.7

Columbus, OH 760 100 7.8 25.6 65.4 1.2

Dallas-Fort Worth-Arlington, TX 2,547 100 8.4 27.3 60.4 3.9

Denver-Aurora, CO 1,105 100 7.5 16.2 73.7 2.6

Des Moines, IA 240 100 6.8 16.2 67.3 9.7

Detroit-Warren-Livonia, MI 1,768 100 8.2 18.4 64.0 9.5

Dover, DE 59 100 16.6 15.1 51.2 17.0

Fargo, ND-MN 82 100 6.6 21.9 70.3 1.1

Grand Rapids-Wyoming, MI 396 100 3.5 13.9 79.1 3.6

Hartford-West Hartford-East Hartford, CT 452 100 6.4 16.6 73.5 3.5

Honolulu, HI 327 100 4.7 19.7 68.6 6.9

Houston-Baytown-Sugar Land, TX 2,349 100 11.5 29.1 55.2 4.3

Indianapolis, IN 735 100 11.0 18.0 70.4 0.6

Jacksonville, FL 561 100 1.9 29.9 64.8 3.4

Kansas City, MO-KS 801 100 12.1 19.4 65.6 2.9

Las Vegas-Paradise, NV 849 100 6.9 25.0 62.0 6.1

Little Rock-North Little Rock, AR 367 100 10.4 24.4 63.9 1.3

Los Angeles-Long Beach-Santa Ana, CA 4,500 100 9.6 17.5 67.4 5.4

Louisville, KY-IN 587 100 5.2 25.8 66.2 2.9

Madison, WI 284 100 7.0 7.4 78.6 7.0

Memphis, TN-MS-AR 555 100 19.5 24.2 48.7 7.6

Miami-Fort Lauderdale-Miami Beach, FL 2,374 100 7.3 13.9 66.1 12.7

Milwaukee-Waukesha-West Allis, WI 639 100 7.1 10.8 76.8 5.3

Minneapolis-St Paul-Bloomington, MN-WI 1,364 100 3.8 12.6 81.5 2.2

Nashville-Davidson-Murfreesboro, TN 646 100 9.4 18.4 68.5 3.8

New Haven, CT 300 100 7.7 11.2 79.0 2.1

New Orleans-Metairie-Kenner, LA 486 100 13.2 16.7 66.2 3.9
2013 FDIC National Survey of Unbanked and Underaned Households 

H-1 Banking Status By MSA, 2013

For all households, row percent

Characteristics

Number of 

Households (1000s)

Percent of 

Households Unbanked (Percent)

Banked: 

Underbanked 

(Percent)

Banked: Fully 

Banked (Percent)

Banked: 

Underbanked Status 

Unknown (Percent)

New York-Northern New Jersey-Long 

Island, NY-NJ-PA 7,234 100 9.6 19.5 64.3 6.6

Oklahoma City, OK 563 100 8.5 24.0 64.5 3.0

Omaha-Council Bluffs, NE-IA 344 100 6.5 23.3 66.7 3.5

Orlando, FL 831 100 9.9 25.2 57.1 7.8

Philadelphia-Camden-Wilmington, 

PA-NJ-DE 2,428 100 7.0 21.7 64.3 7.0

Phoenix-Mesa-Scottsdale, AZ 1,652 100 16.3 14.8 63.7 5.2

Pittsburgh, PA 1,048 100 4.9 22.9 69.7 2.5

Portland-South Portland, ME 145 100 1.7 12.8 80.1 5.4

Portland-Vancouver-Beaverton, OR-WA 924 100 3.7 16.8 74.9 4.6

Providence-Fall River-Warwick, RI-MA 556 100 5.8 15.7 67.9 10.6

Raleigh-Cary, NC 480 100 5.2 12.0 70.1 12.7

Richmond, VA 422 100 4.0 20.3 69.8 5.9

Riverside-San Bernardino-Ontario, CA 1,459 100 9.1 18.4 64.9 7.6

Rochester, NY 476 100 2.4 16.8 79.0 1.8

Sacramento--Arden-Arcade-Roseville, CA 957 100 5.8 21.8 71.5 0.9

Salt Lake City, UT 413 100 2.7 14.3 80.8 2.3

San Antonio, TX 929 100 8.1 27.6 62.0 2.3

San Diego-Carlsbad-San Marcos, CA 1,105 100 3.4 18.2 70.4 8.0

San Francisco-Oakland-Fremont, CA 1,925 100 5.7 12.6 74.3 7.3

San Jose-Sunnyvale-Santa Clara, CA 640 100 5.0 12.7 77.4 4.9

Seattle-Tacoma-Bellevue, WA 1,413 100 3.5 15.7 77.4 3.5

Sioux Falls, SD 98 100 4.8 18.6 69.3 7.3

St. Louis, MO-IL 1,141 100 4.2 19.2 72.7 3.8

Tampa-St. Petersburg-Clearwater, FL 1,418 100 4.9 19.8 69.9 5.3

Tulsa, OK 380 100 11.0 21.4 66.6 1.0

Virginia Beach-Norfolk-Newport News, 

VA-NC 665 100 7.8 28.5 56.8 6.9

Washington-Arlington-Alexandria, 

DC-VA-MD-WV 2,330 100 4.3 19.8 69.4 6.5

Wichita, KS 263 100 10.0 23.1 63.1 3.7

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households 

H-2 Unbanked Rates By MSA And Year, 2011-2013

Characteristics 2011 2013 Estimate Diff from 2011

MSA

Albuquerque, NM 7.2 11.1 3.9

Atlanta-Sandy Springs-Marietta, GA 9.7 9.1 -0.7

Austin-Round Rock, TX 10.2 1.3 -8.91*

Baltimore-Towson, MD 7.5 5.3 -2.2

Birmingham-Hoover, AL 12.1 5.7 -6.41*

Boise City-Nampa, ID 2.9 6.9 4.1

Boston-Cambridge-Quincy, MA-NH 4.2 6.6 2.4

Bridgeport-Stamford-Norwalk, CT 1.6 4.0 2.4

Buffalo-Niagara Falls, NY 8.6 8.4 -0.1

Burlington-South Burlington, VT 1.7 0.6 -1.1

Charlotte-Gastonia-Concord, NC-SC 8.9 7.7 -1.2

Chicago-Naperville-Joliet, IL-IN-WI 8.6 7.6 -1.0

Cincinnati-Middletown, OH-KY-IN 10.3 9.0 -1.2

Cleveland-Elyria-Mentor, OH 8.5 6.2 -2.3

Columbia, SC 7.4 12.5 5.2

Columbus, OH 8.1 7.8 -0.4

Dallas-Fort Worth-Arlington, TX 9.8 8.4 -1.4

Denver-Aurora, CO 5.2 7.5 2.3

Des Moines, IA 7.0 6.8 -0.2

Detroit-Warren-Livonia, MI 10.7 8.2 -2.5

Dover, DE 7.4 16.6 9.2*

Fargo, ND-MN 5.2 6.6 1.5

Grand Rapids-Wyoming, MI 4.7 3.5 -1.2

Hartford-West Hartford-East Hartford, CT 5.3 6.4 1.2

Honolulu, HI 2.8 4.7 1.9

Houston-Baytown-Sugar Land, TX 11.9 11.5 -0.4

Indianapolis, IN 8.5 11.0 2.5

Jacksonville, FL 6.0 1.9 -4.15*

Kansas City, MO-KS 10.0 12.1 2.2

Las Vegas-Paradise, NV 6.2 6.9 0.8

Little Rock-North Little Rock, AR 7.8 10.4 2.6

Los Angeles-Long Beach-Santa Ana, CA 9.7 9.6 -0.0

Louisville, KY-IN 8.4 5.2 -3.3

Madison, WI 1.0 7.0 5.95*

Memphis, TN-MS-AR 11.1 19.5 8.42*

Miami-Fort Lauderdale-Miami Beach, FL 9.0 7.3 -1.7

Milwaukee-Waukesha-West Allis, WI 10.8 7.1 -3.8

Minneapolis-St Paul-Bloomington, MN-WI 5.2 3.8 -1.4

Nashville-Davidson-Murfreesboro, TN 9.5 9.4 -0.1

New Haven, CT 4.8 7.7 2.9

New Orleans-Metairie-Kenner, LA 12.4 13.2 0.9

New York-Northern New Jersey-Long Island, NY-NJ-PA 9.7 9.6 -0.1

Oklahoma City, OK 9.3 8.5 -0.8
2013 FDIC National Survey of Unbanked and Underaned Households 

H-2 Unbanked Rates By MSA And Year, 2011-2013

Characteristics 2011 2013 Estimate Diff from 2011

Omaha-Council Bluffs, NE-IA 4.2 6.5 2.3

Orlando, FL 7.4 9.9 2.5

Philadelphia-Camden-Wilmington, PA-NJ-DE 7.8 7.0 -0.8

Phoenix-Mesa-Scottsdale, AZ 10.6 16.3 5.68*

Pittsburgh, PA 3.4 4.9 1.5

Portland-South Portland, ME 4.0 1.7 -2.3

Portland-Vancouver-Beaverton, OR-WA 3.1 3.7 0.7

Providence-Fall River-Warwick, RI-MA 7.6 5.8 -1.8

Raleigh-Cary, NC 2.6 5.2 2.7

Richmond, VA 6.0 4.0 -1.9

Riverside-San Bernardino-Ontario, CA 12.7 9.1 -3.6

Rochester, NY 3.9 2.4 -1.4

Sacramento--Arden-Arcade-Roseville, CA 5.4 5.8 0.5

Salt Lake City, UT 4.4 2.7 -1.8

San Antonio, TX 15.5 8.1 -7.43*

San Diego-Carlsbad-San Marcos, CA 4.5 3.4 -1.1

San Francisco-Oakland-Fremont, CA 5.9 5.7 -0.1

San Jose-Sunnyvale-Santa Clara, CA 2.4 5.0 2.6

Seattle-Tacoma-Bellevue, WA 4.0 3.5 -0.6

Sioux Falls, SD 5.2 4.8 -0.4

St. Louis, MO-IL 9.7 4.2 -5.5*

Tampa-St. Petersburg-Clearwater, FL 6.0 4.9 -1.0

Tulsa, OK 11.7 11.0 -0.7

Virginia Beach-Norfolk-Newport News, VA-NC 5.8 7.8 2.0

Washington-Arlington-Alexandria, DC-VA-MD-WV 4.6 4.3 -0.4

Wichita, KS 14.8 10.0 -4.8

* Indicates differences that are statistically significant at the 10% level.

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households 

H-3 Bank Account Type By MSA, 2013

For all households, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Unbanked 

(Percent)

Checking and 

Savings 

(Percent)

Savings Only 

(Percent)

Checking Only 

(Percent)

Banked, Account 

Type Unknown (Percent)

All 99,360 100 7.6 68.5 1.9 20.1 1.8

MSA

Albuquerque, NM 397 100 11.1 67.6 1.7 18.1 1.5

Atlanta-Sandy Springs-Marietta, GA 2,169 100 9.1 71.6 0.9 17.0 1.5

Austin-Round Rock, TX 682 100 1.3 86.1 - 12.0 0.6

Baltimore-Towson, MD 1,046 100 5.3 74.0 1.7 17.2 1.8

Birmingham-Hoover, AL 575 100 5.7 52.5 5.1 35.0 1.8

Boise City-Nampa, ID 246 100 6.9 78.3 - 14.7 -

Boston-Cambridge-Quincy, MA-NH 1,843 100 6.6 76.2 1.3 14.2 1.7

Bridgeport-Stamford-Norwalk, CT 375 100 4.0 81.6 0.8 13.1 0.4

Buffalo-Niagara Falls, NY 461 100 8.4 70.2 1.9 17.4 2.1

Burlington-South Burlington, VT 79 100 0.6 74.9 1.4 19.9 3.2

Charlotte-Gastonia-Concord, NC-SC 715 100 7.7 66.8 2.5 22.4 0.5

Chicago-Naperville-Joliet, IL-IN-WI 3,531 100 7.6 70.1 2.2 18.3 1.8

Cincinnati-Middletown, OH-KY-IN 914 100 9.0 54.4 1.7 25.8 9.1

Cleveland-Elyria-Mentor, OH 902 100 6.2 61.4 3.4 27.5 1.4

Columbia, SC 359 100 12.5 60.9 0.8 25.8 -

Columbus, OH 760 100 7.8 72.5 - 19.0 0.8

Dallas-Fort Worth-Arlington, TX 2,547 100 8.4 66.9 1.9 21.4 1.4

Denver-Aurora, CO 1,105 100 7.5 77.0 0.5 14.2 0.8

Des Moines, IA 240 100 6.8 74.1 0.9 13.9 4.2

Detroit-Warren-Livonia, MI 1,768 100 8.2 69.9 1.9 15.6 4.5

Dover, DE 59 100 16.6 60.2 4.1 11.2 7.9

Fargo, ND-MN 82 100 6.6 76.9 - 16.5 -

Grand Rapids-Wyoming, MI 396 100 3.5 76.7 1.9 16.1 1.7

Hartford-West Hartford-East Hartford, CT 452 100 6.4 73.7 1.7 16.6 1.6

Honolulu, HI 327 100 4.7 82.3 0.8 10.8 1.4

Houston-Baytown-Sugar Land, TX 2,349 100 11.5 60.4 1.3 24.7 2.2

Indianapolis, IN 735 100 11.0 58.9 1.4 27.4 1.4

Jacksonville, FL 561 100 1.9 76.3 5.7 16.1 -

Kansas City, MO-KS 801 100 12.1 62.4 2.1 22.9 0.5

Las Vegas-Paradise, NV 849 100 6.9 66.2 1.0 24.7 1.2

Little Rock-North Little Rock, AR 367 100 10.4 54.5 3.1 31.5 0.6

Los Angeles-Long Beach-Santa Ana, CA 4,500 100 9.6 62.2 1.0 24.8 2.2

Louisville, KY-IN 587 100 5.2 65.1 - 28.4 1.3

Madison, WI 284 100 7.0 72.3 0.8 16.9 3.0

Memphis, TN-MS-AR 555 100 19.5 55.3 0.8 21.6 2.8

Miami-Fort Lauderdale-Miami Beach, FL 2,374 100 7.3 54.8 1.2 32.6 4.1

Milwaukee-Waukesha-West Allis, WI 639 100 7.1 69.2 1.3 20.0 2.5

Minneapolis-St Paul-Bloomington, MN-WI 1,364 100 3.8 80.6 2.2 13.1 0.3

Nashville-Davidson-Murfreesboro, TN 646 100 9.4 61.1 1.7 24.6 3.3

New Haven, CT 300 100 7.7 79.7 0.9 10.6 1.1

New Orleans-Metairie-Kenner, LA 486 100 13.2 58.1 2.2 24.0 2.4
2013 FDIC National Survey of Unbanked and Underaned Households 

H-3 Bank Account Type By MSA, 2013

For all households, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Unbanked 

(Percent)

Checking and 

Savings 

(Percent)

Savings Only 

(Percent)

Checking Only 

(Percent)

Banked, Account 

Type Unknown (Percent)

New York-Northern New Jersey-Long 

Island, NY-NJ-PA 7,234 100 9.6 68.9 2.4 17.1 2.1

Oklahoma City, OK 563 100 8.5 63.1 0.9 26.2 1.2

Omaha-Council Bluffs, NE-IA 344 100 6.5 69.9 3.4 18.6 1.6

Orlando, FL 831 100 9.9 65.6 1.5 20.4 2.6

Philadelphia-Camden-Wilmington, 

PA-NJ-DE 2,428 100 7.0 66.3 2.0 23.4 1.4

Phoenix-Mesa-Scottsdale, AZ 1,652 100 16.3 61.9 0.3 19.4 2.1

Pittsburgh, PA 1,048 100 4.9 67.5 1.7 25.6 0.3

Portland-South Portland, ME 145 100 1.7 77.9 1.5 17.3 1.6

Portland-Vancouver-Beaverton, OR-WA 924 100 3.7 83.4 1.1 10.9 0.9

Providence-Fall River-Warwick, RI-MA 556 100 5.8 71.2 4.4 16.0 2.6

Raleigh-Cary, NC 480 100 5.2 75.2 2.9 16.7 -

Richmond, VA 422 100 4.0 77.2 0.9 17.9 -

Riverside-San Bernardino-Ontario, CA 1,459 100 9.1 67.3 1.4 20.5 1.8

Rochester, NY 476 100 2.4 75.9 1.7 17.9 2.1

Sacramento--Arden-Arcade-Roseville, CA 957 100 5.8 80.4 2.3 9.9 1.6

Salt Lake City, UT 413 100 2.7 88.7 - 8.2 0.5

San Antonio, TX 929 100 8.1 73.1 1.4 16.3 1.0

San Diego-Carlsbad-San Marcos, CA 1,105 100 3.4 75.8 2.1 16.6 2.1

San Francisco-Oakland-Fremont, CA 1,925 100 5.7 76.4 1.5 14.0 2.3

San Jose-Sunnyvale-Santa Clara, CA 640 100 5.0 69.9 2.2 20.2 2.7

Seattle-Tacoma-Bellevue, WA 1,413 100 3.5 84.6 - 10.3 1.6

Sioux Falls, SD 98 100 4.8 73.5 2.7 17.5 1.5

St. Louis, MO-IL 1,141 100 4.2 75.2 2.4 17.3 0.9

Tampa-St. Petersburg-Clearwater, FL 1,418 100 4.9 62.1 2.2 29.2 1.5

Tulsa, OK 380 100 11.0 60.4 1.8 26.8 -

Virginia Beach-Norfolk-Newport News, 

VA-NC 665 100 7.8 68.8 1.8 19.7 1.8

Washington-Arlington-Alexandria, 

DC-VA-MD-WV 2,330 100 4.3 77.6 1.2 15.3 1.6

Wichita, KS 263 100 10.0 63.9 0.5 24.9 0.7

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households 

H-4 Savings Account Ownership Rate By MSA And Year, 2011-2013

Characteristics 2011 2013 Estimate Diff from 2011

MSA

Albuquerque, NM 79.4 69.3 -10.1*

Atlanta-Sandy Springs-Marietta, GA 66.1 72.4 6.35*

Austin-Round Rock, TX 76.9 86.1 9.14*

Baltimore-Towson, MD 78.2 75.7 -2.5

Birmingham-Hoover, AL 59.2 57.5 -1.7

Boise City-Nampa, ID 74.1 78.3 4.3

Boston-Cambridge-Quincy, MA-NH 80.1 77.5 -2.6

Bridgeport-Stamford-Norwalk, CT 84.1 82.4 -1.6

Buffalo-Niagara Falls, NY 73.1 72.1 -1.0

Burlington-South Burlington, VT 80.4 76.3 -4.2

Charlotte-Gastonia-Concord, NC-SC 61.9 69.4 7.46*

Chicago-Naperville-Joliet, IL-IN-WI 66.9 72.3 5.38*

Cincinnati-Middletown, OH-KY-IN 60.6 57.3 -3.3

Cleveland-Elyria-Mentor, OH 68.4 64.9 -3.5

Columbia, SC 64.4 61.7 -2.7

Columbus, OH 71.8 72.5 0.6

Dallas-Fort Worth-Arlington, TX 68.3 68.8 0.5

Denver-Aurora, CO 76.5 77.5 0.9

Des Moines, IA 73.6 75.1 1.5

Detroit-Warren-Livonia, MI 71.7 71.7 0.1

Dover, DE 63.1 64.3 1.2

Fargo, ND-MN 76.8 76.9 0.1

Grand Rapids-Wyoming, MI 78.7 78.6 -0.1

Hartford-West Hartford-East Hartford, CT 76.4 75.4 -1.0

Honolulu, HI 80.8 83.1 2.3

Houston-Baytown-Sugar Land, TX 62.7 62.1 -0.6

Indianapolis, IN 66.7 60.3 -6.4

Jacksonville, FL 84.8 82.0 -2.7

Kansas City, MO-KS 71.2 64.5 -6.66*

Las Vegas-Paradise, NV 66.3 67.2 0.8

Little Rock-North Little Rock, AR 44.4 57.6 13.18*

Los Angeles-Long Beach-Santa Ana, CA 66.1 63.3 -2.9

Louisville, KY-IN 62.4 65.1 2.8

Madison, WI 84.2 73.2 -11.06*

Memphis, TN-MS-AR 56.7 56.1 -0.6

Miami-Fort Lauderdale-Miami Beach, FL 55.0 56.0 0.9

Milwaukee-Waukesha-West Allis, WI 71.8 70.5 -1.4

Minneapolis-St Paul-Bloomington, MN-WI 76.0 82.8 6.81*

Nashville-Davidson-Murfreesboro, TN 67.1 62.7 -4.3

New Haven, CT 72.8 80.6 7.81*

New Orleans-Metairie-Kenner, LA 62.5 60.3 -2.2

New York-Northern New Jersey-Long Island, NY-NJ-PA 72.1 71.2 -0.9

Oklahoma City, OK 64.4 64.1 -0.3
2013 FDIC National Survey of Unbanked and Underaned Households 

H-4 Savings Account Ownership Rate By MSA And Year, 2011-2013

Characteristics 2011 2013 Estimate Diff from 2011

Omaha-Council Bluffs, NE-IA 76.8 73.3 -3.5

Orlando, FL 72.0 67.1 -4.9

Philadelphia-Camden-Wilmington, PA-NJ-DE 70.7 68.3 -2.4

Phoenix-Mesa-Scottsdale, AZ 74.6 62.2 -12.38*

Pittsburgh, PA 65.1 69.2 4.1

Portland-South Portland, ME 79.9 79.4 -0.5

Portland-Vancouver-Beaverton, OR-WA 81.1 84.5 3.4

Providence-Fall River-Warwick, RI-MA 71.7 75.8 4.1

Raleigh-Cary, NC 73.1 78.1 5.0

Richmond, VA 69.1 78.1 9*

Riverside-San Bernardino-Ontario, CA 59.1 68.7 9.55*

Rochester, NY 71.4 77.6 6.2

Sacramento--Arden-Arcade-Roseville, CA 76.3 82.7 6.43*

Salt Lake City, UT 81.3 88.7 7.39*

San Antonio, TX 64.8 74.6 9.8*

San Diego-Carlsbad-San Marcos, CA 80.7 78.0 -2.8

San Francisco-Oakland-Fremont, CA 79.3 77.9 -1.4

San Jose-Sunnyvale-Santa Clara, CA 82.2 72.1 -10.11*

Seattle-Tacoma-Bellevue, WA 85.6 84.6 -1.0

Sioux Falls, SD 78.5 76.2 -2.3

St. Louis, MO-IL 68.2 77.6 9.42*

Tampa-St. Petersburg-Clearwater, FL 72.6 64.3 -8.27*

Tulsa, OK 68.3 62.2 -6.1

Virginia Beach-Norfolk-Newport News, VA-NC 76.6 70.6 -5.9

Washington-Arlington-Alexandria, DC-VA-MD-WV 74.2 78.8 4.68*

Wichita, KS 57.2 64.4 7.2

* Indicates differences that are statistically significant at the 10% level.

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households 

H-5 Prepaid Debit Card Use in Last 12 Months by MSA, 2013

For all households, row percent

Characteristics

Number of 

Households (1000s)

Percent of 

Households

Used in last 12 

months (Percent)

Used but not in last 

12 months (Percent)

Never Used 

(Percent) Unknown (Percent)

All 99,360 100 7.7 4.1 82.2 6.0

MSA

Albuquerque, NM 397 100 8.6 2.9 82.4 6.1

Atlanta-Sandy Springs-Marietta, GA 2,169 100 8.6 4.5 81.1 5.7

Austin-Round Rock, TX 682 100 5.5 9.5 79.0 6.0

Baltimore-Towson, MD 1,046 100 8.2 2.9 84.2 4.7

Birmingham-Hoover, AL 575 100 5.4 3.4 86.7 4.6

Boise City-Nampa, ID 246 100 4.4 3.0 91.5 1.1

Boston-Cambridge-Quincy, MA-NH 1,843 100 6.5 2.3 86.3 4.9

Bridgeport-Stamford-Norwalk, CT 375 100 5.1 1.3 88.1 5.5

Buffalo-Niagara Falls, NY 461 100 15.7 3.9 74.8 5.7

Burlington-South Burlington, VT 79 100 5.5 3.5 86.0 5.0

Charlotte-Gastonia-Concord, NC-SC 715 100 6.2 3.0 88.5 2.2

Chicago-Naperville-Joliet, IL-IN-WI 3,531 100 6.5 2.8 84.1 6.6

Cincinnati-Middletown, OH-KY-IN 914 100 6.3 1.5 83.3 9.0

Cleveland-Elyria-Mentor, OH 902 100 7.4 5.0 81.3 6.3

Columbia, SC 359 100 1.8 7.4 88.1 2.7

Columbus, OH 760 100 12.3 7.2 79.1 1.4

Dallas-Fort Worth-Arlington, TX 2,547 100 7.7 4.3 83.2 4.8

Denver-Aurora, CO 1,105 100 8.6 3.4 85.1 3.0

Des Moines, IA 240 100 13.2 2.8 75.9 8.1

Detroit-Warren-Livonia, MI 1,768 100 7.5 3.7 78.5 10.3

Dover, DE 59 100 8.0 3.5 73.4 15.0

Fargo, ND-MN 82 100 11.0 7.4 80.4 1.1

Grand Rapids-Wyoming, MI 396 100 9.2 6.7 79.7 4.4

Hartford-West Hartford-East Hartford, CT 452 100 8.2 3.6 85.0 3.2

Honolulu, HI 327 100 4.5 7.4 81.2 6.9

Houston-Baytown-Sugar Land, TX 2,349 100 10.2 4.3 79.1 6.3

Indianapolis, IN 735 100 11.2 4.0 80.6 4.1

Jacksonville, FL 561 100 9.9 7.7 79.1 3.3

Kansas City, MO-KS 801 100 11.4 4.5 82.3 1.8

Las Vegas-Paradise, NV 849 100 7.5 3.1 82.2 7.2

Little Rock-North Little Rock, AR 367 100 11.8 3.0 81.7 3.5

Los Angeles-Long Beach-Santa Ana, CA 4,500 100 5.5 2.9 85.9 5.8

Louisville, KY-IN 587 100 10.8 4.3 80.9 4.0

Madison, WI 284 100 20.0 4.7 68.4 7.0

Memphis, TN-MS-AR 555 100 12.4 4.1 73.7 9.8

Miami-Fort Lauderdale-Miami Beach, FL 2,374 100 6.2 2.1 79.0 12.7

Milwaukee-Waukesha-West Allis, WI 639 100 12.5 5.1 76.8 5.6

Minneapolis-St Paul-Bloomington, MN-WI 1,364 100 8.8 4.3 84.5 2.4

Nashville-Davidson-Murfreesboro, TN 646 100 6.0 5.4 84.7 3.9

New Haven, CT 300 100 5.7 3.7 88.5 2.2

New Orleans-Metairie-Kenner, LA 486 100 8.1 1.5 86.6 3.9
2013 FDIC National Survey of Unbanked and Underaned Households 

H-5 Prepaid Debit Card Use in Last 12 Months by MSA, 2013

For all households, row percent

Characteristics

Number of 

Households (1000s)

Percent of 

Households

Used in last 12 

months (Percent)

Used but not in last 

12 months (Percent)

Never Used 

(Percent) Unknown (Percent)

New York-Northern New Jersey-Long 

Island, NY-NJ-PA 7,234 100 5.6 2.9 83.5 8.0

Oklahoma City, OK 563 100 11.9 7.4 77.1 3.6

Omaha-Council Bluffs, NE-IA 344 100 10.3 6.3 79.6 3.8

Orlando, FL 831 100 6.1 2.9 82.2 8.8

Philadelphia-Camden-Wilmington, 

PA-NJ-DE 2,428 100 4.8 3.3 84.5 7.4

Phoenix-Mesa-Scottsdale, AZ 1,652 100 6.7 2.8 85.9 4.6

Pittsburgh, PA 1,048 100 9.8 4.6 83.5 2.1

Portland-South Portland, ME 145 100 5.2 4.6 84.9 5.3

Portland-Vancouver-Beaverton, OR-WA 924 100 6.5 4.9 84.3 4.4

Providence-Fall River-Warwick, RI-MA 556 100 9.8 4.8 74.7 10.8

Raleigh-Cary, NC 480 100 1.1 2.3 86.4 10.2

Richmond, VA 422 100 4.1 8.2 78.8 8.9

Riverside-San Bernardino-Ontario, CA 1,459 100 5.3 3.6 83.4 7.7

Rochester, NY 476 100 10.0 5.5 81.8 2.7

Sacramento--Arden-Arcade-Roseville, CA 957 100 8.4 5.3 85.4 0.9

Salt Lake City, UT 413 100 9.9 5.1 82.2 2.8

San Antonio, TX 929 100 10.1 2.0 85.6 2.3

San Diego-Carlsbad-San Marcos, CA 1,105 100 8.5 5.3 78.3 7.9

San Francisco-Oakland-Fremont, CA 1,925 100 7.8 2.9 79.8 9.5

San Jose-Sunnyvale-Santa Clara, CA 640 100 6.5 3.7 84.9 4.9

Seattle-Tacoma-Bellevue, WA 1,413 100 5.9 4.2 85.5 4.4

Sioux Falls, SD 98 100 10.3 7.1 72.2 10.4

St. Louis, MO-IL 1,141 100 10.8 6.2 78.7 4.2

Tampa-St. Petersburg-Clearwater, FL 1,418 100 7.7 4.2 81.7 6.4

Tulsa, OK 380 100 14.9 6.5 77.6 1.0

Virginia Beach-Norfolk-Newport News, 

VA-NC 665 100 7.0 4.4 78.8 9.7

Washington-Arlington-Alexandria, 

DC-VA-MD-WV 2,330 100 6.5 4.7 81.4 7.4

Wichita, KS 263 100 14.0 6.1 75.6 4.3

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households 

H-6 AFS Recency Of Use By MSA, 2013

For all households, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Used: in last 30 

days (Percent)

Used: Not in last 

30 days but in 

last 12 months 

(Percent)

Used: Not in last 

12 months 

(Percent)

Never Used 

(Percent)

Use Unknown 

(Percent)

All 99,360 100 12.0 12.6 14.0 55.7 5.7

MSA

Albuquerque, NM 397 100 17.1 17.2 10.3 51.2 4.2

Atlanta-Sandy Springs-Marietta, GA 2,169 100 17.1 16.9 13.9 46.9 5.2

Austin-Round Rock, TX 682 100 8.5 9.4 17.4 60.3 4.4

Baltimore-Towson, MD 1,046 100 14.0 14.4 12.3 55.1 4.1

Birmingham-Hoover, AL 575 100 8.8 19.1 24.2 42.6 5.3

Boise City-Nampa, ID 246 100 12.0 9.5 22.7 53.1 2.8

Boston-Cambridge-Quincy, MA-NH 1,843 100 10.4 8.7 11.5 64.5 4.8

Bridgeport-Stamford-Norwalk, CT 375 100 5.8 7.7 7.8 74.3 4.5

Buffalo-Niagara Falls, NY 461 100 12.2 5.2 18.3 60.1 4.3

Burlington-South Burlington, VT 79 100 6.4 10.9 12.7 64.9 5.1

Charlotte-Gastonia-Concord, NC-SC 715 100 11.7 21.2 11.6 53.7 1.7

Chicago-Naperville-Joliet, IL-IN-WI 3,531 100 9.4 9.1 8.5 65.8 7.2

Cincinnati-Middletown, OH-KY-IN 914 100 13.7 15.7 12.3 49.9 8.4

Cleveland-Elyria-Mentor, OH 902 100 11.2 11.8 11.9 58.7 6.4

Columbia, SC 359 100 19.1 15.5 22.5 41.1 1.8

Columbus, OH 760 100 17.4 14.3 23.1 43.3 1.9

Dallas-Fort Worth-Arlington, TX 2,547 100 19.3 14.1 18.0 44.4 4.2

Denver-Aurora, CO 1,105 100 10.7 10.8 16.2 59.2 3.1

Des Moines, IA 240 100 8.9 12.9 12.4 57.6 8.2

Detroit-Warren-Livonia, MI 1,768 100 11.1 11.0 12.4 56.9 8.6

Dover, DE 59 100 11.7 10.0 12.0 49.3 17.0

Fargo, ND-MN 82 100 11.7 14.9 19.9 52.3 1.1

Grand Rapids-Wyoming, MI 396 100 8.1 9.3 22.9 56.1 3.6

Hartford-West Hartford-East Hartford, CT 452 100 10.4 10.8 9.5 65.8 3.4

Honolulu, HI 327 100 7.2 14.3 9.4 62.3 6.7

Houston-Baytown-Sugar Land, TX 2,349 100 22.9 13.7 12.1 46.3 5.0

Indianapolis, IN 735 100 15.8 8.3 17.1 56.4 2.5

Jacksonville, FL 561 100 11.3 18.6 20.1 47.4 2.5

Kansas City, MO-KS 801 100 14.5 11.8 16.6 54.4 2.7

Las Vegas-Paradise, NV 849 100 15.3 14.6 17.2 46.3 6.7

Little Rock-North Little Rock, AR 367 100 16.1 14.6 18.2 49.1 2.0

Los Angeles-Long Beach-Santa Ana, CA 4,500 100 12.3 10.4 8.3 63.1 5.8

Louisville, KY-IN 587 100 14.9 14.5 17.5 49.9 3.2

Madison, WI 284 100 6.5 5.0 10.8 70.7 7.0

Memphis, TN-MS-AR 555 100 24.2 10.4 14.3 41.7 9.5

Miami-Fort Lauderdale-Miami Beach, FL 2,374 100 7.7 9.4 8.9 61.0 13.0

Milwaukee-Waukesha-West Allis, WI 639 100 8.9 5.9 13.4 65.1 6.7

Minneapolis-St Paul-Bloomington, MN-WI 1,364 100 7.5 7.3 12.6 70.3 2.4

Nashville-Davidson-Murfreesboro, TN 646 100 10.8 13.9 12.9 57.9 4.6

New Haven, CT 300 100 5.0 9.3 7.4 76.3 2.1
2013 FDIC National Survey of Unbanked and Underaned Households 

H-6 AFS Recency Of Use By MSA, 2013

For all households, row percent

Characteristics

Number of 

Households 

(1000s)

Percent of 

Households

Used: in last 30 

days (Percent)

Used: Not in last 

30 days but in 

last 12 months 

(Percent)

Used: Not in last 

12 months 

(Percent)

Never Used 

(Percent)

Use Unknown 

(Percent)

New Orleans-Metairie-Kenner, LA 486 100 12.4 14.2 7.2 62.3 3.9

New York-Northern New Jersey-Long 

Island, NY-NJ-PA 7,234 100 11.6 14.1 12.8 54.4 7.1

Oklahoma City, OK 563 100 14.7 14.1 16.5 50.6 4.1

Omaha-Council Bluffs, NE-IA 344 100 13.1 14.4 15.4 53.3 3.9

Orlando, FL 831 100 14.9 15.6 12.2 49.0 8.3

Philadelphia-Camden-Wilmington, 

PA-NJ-DE 2,428 100 11.2 14.7 16.2 50.8 7.2

Phoenix-Mesa-Scottsdale, AZ 1,652 100 9.8 10.4 11.1 63.8 4.9

Pittsburgh, PA 1,048 100 10.3 16.2 14.3 57.5 1.7

Portland-South Portland, ME 145 100 5.7 8.0 17.6 62.9 5.7

Portland-Vancouver-Beaverton, OR-WA 924 100 7.5 11.9 17.6 58.5 4.6

Providence-Fall River-Warwick, RI-MA 556 100 6.4 11.4 12.9 58.5 10.8

Raleigh-Cary, NC 480 100 8.2 8.0 6.5 64.6 12.7

Richmond, VA 422 100 9.2 12.2 9.7 61.0 7.9

Riverside-San Bernardino-Ontario, CA 1,459 100 11.8 12.3 12.8 55.1 8.0

Rochester, NY 476 100 6.4 11.2 19.3 61.3 1.8

Sacramento--Arden-Arcade-Roseville, CA 957 100 9.9 17.7 12.1 59.4 0.9

Salt Lake City, UT 413 100 4.7 11.7 16.4 65.0 2.2

San Antonio, TX 929 100 15.2 17.3 14.7 50.0 2.8

San Diego-Carlsbad-San Marcos, CA 1,105 100 8.0 12.9 14.9 56.1 8.0

San Francisco-Oakland-Fremont, CA 1,925 100 7.7 9.1 13.4 62.6 7.1

San Jose-Sunnyvale-Santa Clara, CA 640 100 6.4 9.3 14.3 65.0 4.9

Seattle-Tacoma-Bellevue, WA 1,413 100 7.6 10.1 16.8 61.8 3.8

Sioux Falls, SD 98 100 8.2 12.9 11.0 59.1 8.9

St. Louis, MO-IL 1,141 100 11.1 10.3 13.9 60.9 3.8

Tampa-St. Petersburg-Clearwater, FL 1,418 100 13.2 10.8 11.2 59.5 5.2

Tulsa, OK 380 100 17.1 12.1 20.7 49.1 1.0

Virginia Beach-Norfolk-Newport News, 

VA-NC 665 100 14.5 20.4 6.8 50.5 7.8

Washington-Arlington-Alexandria, 

DC-VA-MD-WV 2,330 100 9.7 12.5 16.1 55.0 6.7

Wichita, KS 263 100 17.5 12.9 22.4 42.4 4.9

NA= Not available because the sample size was too small to produce a precise estimate.

-= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero.

Figures do not always reconcile to totals because of rounding.
2013 FDIC National Survey of Unbanked and Underaned Households 
2013 FDIC National Survey of Unbanked and Underaned Households 

Appendix I – FDIC Technical Notes
2013 FDIC National Survey of Unbanked and Underbaked Households

The data for this report were collected through a 

Federal Deposit Insurance Corporation (FDIC)-sponsored Unbanked/Underbanked Supplement to the 

Current Population Survey (CPS) for June 2013. The 

CPS is a monthly survey of about 54,000 interviewed 

households conducted by the U.S. Census Bureau for 

the Bureau of Labor Statistics (BLS). The survey is 

based on a scientific sample that “represents” the U.S. 

civilian, non-institutionalized population, aged 15 or 

older.

The CPS is the primary source of information on the 

labor force characteristics of the U.S. population, 

including employment, unemployment, and earnings 

statistics. The CPS results include a variety of demographic characteristics, such as age, sex, race, marital 

status, and educational attainment. Additional information about the CPS is provided in the Census 

Bureau’s Technical Paper 66, Design and Methodology of the CPS, available at http://www.census.gov/

cps/.

The CPS is a state-based design in that separate 

samples are selected from each state, so that states 

serve as the primary sampling strata. The sample 

sizes for each state are set so that specific precision 

requirements for estimating unemployment rates will 

be met.1 The sample design ensures that most of the 

households in a given state have the same probability 

of being selected, though in general, household selection probabilities will vary across states. Because the 

CPS design is state-based, most of the estimates for 

the Unbanked/Underbanked Supplement should be 

precise at the state level and for some sub-state areas 

(e.g., large metropolitan statistical areas (MSAs)).

Unbanked/Underbanked Supplement

The Unbanked/Underbanked Supplement was 

conducted in June 2013. This was third time this 

survey had been conducted; the first and second 

supplements were conducted in January 2009 and 

June 2011, respectively. The primary purpose of the 

supplement is to estimate the percentage of U.S. 

households that are “unbanked” and “underbanked” 

and to identify the reasons why. 

The supplement survey instrument used in 2013, 

attached as Appendix K, included approximately 50 

questions designed to provide this information. The 

1 The precision targets that are the basis for the sample design of the 

CPS are provided on pp.3–1 in Chapter 3 of the U.S. Census Bureau’s 

Technical Paper 66, available at http://www.census.gov/prod/2006pubs/

tp-66.pdf. 

2013 survey instrument is largely similar to the 2011 

and 2009 survey instruments.  The 2009 instrument 

was developed with the expertise of a national 

consulting firm, which specializes in public opinion 

research, as well as input from the Census Bureau’s 

Demographic Surveys Division and BLS. The 2009 

survey instrument underwent four rounds of cognitive field pre-testing and was revised to address the 

feedback gathered from each round.2 The questionnaire was revised in 2011 and 2013. For the 2013 

survey, the U.S. Census Bureau conducted two 

rounds of cognitive testing. For a detailed description of the most recent revisions, see Appendix J 

(2013 Revisions to the FDIC National Survey of 

Unbanked and Underbanked Households). Because 

of changes in the questionnaire, direct comparisons 

between 2013 and prior year estimates are not possible in some cases.3

Eligibility and Exclusions

All households that participated in the June 2013 CPS 

were eligible to participate in the Unbanked/Underbanked Supplement. However, only households 

whose respondents specified that they had some level 

of participation in their household finances and also 

responded “Yes” or “No” to whether someone in 

their household had a bank account (survey supplement Question 2, or Q2) were considered survey 

respondents.4 CPS household respondents who did 

not answer or answered “don’t know” to Q2, or who 

did not participate in their household financial decisions (or refused to answer) were asked no further 

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

of each question, test the flow of the questions, find major recall difficulties, ascertain the sensitivity or inappropriateness of any questions, and 

gauge the operational feasibility of the supplement. No changes to the 

survey were recommended following the fourth round of testing.

3 Comparability of 2013 estimates to prior years may also be affected by 

changes to estimated population counts, most importantly the change in 

base population from Census 2000 to Census 2010. For more detail, see 

the Census Documentation “Adjustments to Household Survey Population 

Estimates in 2012”, available at http://www.bls.gov/cps/cps12adj.pdf.

4 Respondents involved in their household finances include respondents 

in households where adults have separate finances or in households 

where the respondent was the only adult in the household. For households where adults share finances or have a mix of shared and separate 

finances, respondents were asked to specify how much they participated 

in their household financial decisions. Only those who reported having at 

least some level of participation were considered to be involved in their 

household finances. 
2013 FDIC National Survey of Unbanked and Underaned Households 

questions and were classified as nonrespondents for 

the supplement.5

Demographic characteristics, such as race, age, 

education, and employment, associated with a 

respondent household for the supplement are generally those reported for the householder/reference 

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

designated by the respondent). These demographic 

characteristics were used in preparing report estimates and tables.6

Coverage and Response Rates 

The target universe for the CPS is all civilian non-institutionalized persons (aged 15 or older) residing in 

the 50 states and the District of Columbia. To reach 

this universe, a list (sampling frame) of about 110 

million households was developed from the Master 

Address File used for the 2000 Census, plus three 

additional frame sources (group quarters, area 

canvassing, and building permits). 

For the June 2013 CPS, a statistical sample of 59,531 

survey-eligible households was selected from the 

sampling frame. Of these, 53,405 households participated in the CPS, resulting in a nearly 90 percent 

response rate. There were 6,126 nonrespondent 

households. Most of these nonrespondents either 

refused to participate (63 percent of nonrespondents) 

or were not home at the time of the interview visit or 

call (21 percent). The remaining 16 percent consisted 

of households where (a) the household respondent 

was temporarily absent, (b) the household could not 

be located, (c) language barriers prevented the interview, or (d) “other” reasons. Because of the availability of translators for many languages, only 0.4 percent 

of the nonrespondents (22 households) did not 

participate as a result of language barriers. 

Coverage ratios for the CPS are derived as a measure 

of the percentage of persons in the target universe 

(civilian non-institutionalized persons aged 15 or 

5 This definition of supplement respondent is the same as the one used in 

the 2011 FDIC Survey of Unbanked and Underbanked Households report, 

which published new estimates for survey year 2011 and revised estimates for survey year 2009. In the initial survey report based on 2009 

data, estimates were produced using a slightly different definition of a 

supplement respondent. The change in definition did not have a material 

impact on the estimates. See the technical notes to the 2011 report for 

more details. 

6 In a few cases, the householder/reference person is classified as an 

ineligible respondent for the CPS, but another eligible household resident 

participated in the CPS and in the Unbanked/Underbanked supplement. In 

these cases we use the attributes of the eligible respondent to characterize the household. 

older in the United States) that are included in the 

sampling frame.7 The overall coverage ratio for the 

June 2013 CPS was 86 percent. The missing 14 

percent consists of three groups: (1) persons residing 

in households that are not in the CPS sampling 

frame, (2) non-institutionalized persons not residing 

in households at the time the CPS was conducted, 

and (3) household residents that were not listed as 

household members for the CPS for various reasons. 

The coverage ratios varied across demographic 

groups. For example, among women ages 15 and 

older, the coverage ratio was 89 percent for whites, 82 

percent for blacks, and 86 percent for Hispanics. 

Of the 53,405 households participating in the CPS, 

40,998 (77 percent) also participated in the 

Unbanked/Underbanked Supplement.8 The supplement survey response rates vary by demographic 

groups, ranging from 73 percent to 79 percent. 

The weights calculated by the Census Bureau for the 

CPS and the Unbanked/Underbanked Supplement 

respondents were adjusted to account for both nonresponse and undercoverage. These weight adjustments 

help correct any biases in estimates because of nonresponse and undercoverage, so that results from the 

CPS are “representative” of the civilian, non-institutionalized U.S. population, aged 15 and older.9

Analysis of Supplement Survey Results

Using supplement survey results, households were 

classified as “unbanked” if they answered “no” to the 

question, “Do you or does anyone in your household 

currently have a checking or savings account?” 

Households answering “yes” to this question were 

classified as “underbanked” if they indicated that they 

had used any of the following alternative financial 

services at least once in the last 12 months: nonbank 

money orders, nonbank check-cashing services, 

nonbank remittances, payday loans, rent-to-own 

services, pawn shops, refund anticipation loans, or 

auto-title loans. Note that the 2013 definition of 

7 The coverage ratio is the weighted number of persons in a demographic group (after weights are adjusted to account for household 

nonresponse) divided by an independent count of persons in that demographic group (obtained from the 2000 Census with updates based on the 

American Community Survey). 

8 Taking into account the nonresponse to the base CPS, the overall 

response rate for the Unbanked/Underbanked Supplement was 69 

percent.

9 This adjustment is done by introducing three stages of ratio estimation 

that adjust weights to align with population control totals (independent 

population estimates for various demographic groups). The household 

weight is generally taken to be the weight of the householder/reference 

person. 
2013 FDIC National Survey of Unbanked and Underbaked Households

“underbanked” has been revised from the 2011 definition to include households who used auto-title 

loans in the last year. Consequently, 2013 underbanked estimates are not directly comparable to 2011 

estimates (see Chapter 3).

The estimated proportion of U.S. households that are 

unbanked was derived by dividing the sum of the 

weights of the household respondents that were identified as being unbanked by the sum of the weights of 

all household respondents. The same formula was 

used to estimate the proportion of U.S. households 

that are underbanked. For estimated proportions of 

unbanked or underbanked households for demographic subgroups, the same computational approach 

was used and applied to respondent households in 

the subgroup. 

In addition to presenting estimated proportions, 

many of the tables in this report include estimated 

numbers of households (e.g., total households, 

unbanked households, or underbanked households). 

An estimated number of households for a given category (such as unbanked) is derived as the sum of the 

weights of the sample households in that category. 

For example, for the entire supplement sample of 

40,998 respondent households, the sum of the household weights is roughly 123.8 million, which would 

be an estimate of all U.S. households as of June 2013. 

However, the Housing and Vacancy Survey, another 

survey related to the CPS that uses household 

controls to produce household weights, provided an 

estimate of 114.7 million as the number of households in June 2013. This difference (123.8 million vs. 

114.7 million) is because household weights prepared 

by Census for the CPS and for this supplement 

survey are generally taken to be the reference person 

weights and are not adjusted to align with household 

count controls. Household count controls were not 

used to adjust household weights because the CPS is 

a person survey rather than a household survey; 

therefore, universe controls were used only in the 

preparation of person weights. As a result, the sum of 

household weights shown in our tables for a category 

tends to be somewhat higher than the actual household count for the category.

This report also contains a number of tables for 

which unbanked percentages and other household 

statistics are computed for subgroups defined by a 

particular economic or demographic characteristic. 

The household classification of an economic or 

demographic variable that is defined at the person 

level rather than the household level (e.g., race, 

education, or employment status) is based on the 

economic or demographic classification of the householder/reference person (i.e., a person who owns or 

rents the home). 

The Census Bureau classifies households into different household types. For instance, a family household 

is a household that includes two or more people 

related by birth, marriage, or adoption and residing 

together, along with any unrelated people who may 

be residing there. Detailed definitions regarding 

household types can be found in the CPS Glossary 

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

html.

Households are categorized into racial-ethnic classifications as follows: If the householder is identified as 

black, the household is classified as “Black” regardless 

of whether the householder is identified as Hispanic 

or any other race. If the householder is not identified 

as black and is identified as Hispanic, the household 

is classified as “Hispanic Non-Black.” If the householder is identified as white and not any other race 

and non-Hispanic, then the household is classified as 

“White.” All remaining households are classified as 

“Other.” However, in some national summary tables 

the “Other” category is further disaggregated into 

“Asian” if the householder is identified as Asian, 

“American Indian/Alaskan” if the householder is 

identified as American Indian/Alaskan and not 

Asian, and “Hawaiian/Pacific Islander” if the householder is identified as Hawaiian/Pacific Islander and 

not Asian or American Indian/Alaskan. In these 

tables “Other” consists of the few remaining households in which the householder cannot be classified 

into any of the preceding groups. 

For the first time, the current report on the 2013 

FDIC National Survey of Unbanked and Underbanked Households provides estimated unbanked 

and underbanked rates and other estimates for the 

population of working-age households with disabilities. Households are categorized as follows: if the 

householder is between age 25 and 64 and either (i) 

indicates “yes” to any of the 6 question disability 

sequence in the base CPS, or (ii) is classified as “Not 

in Labor Force – Disabled”, the household is classified as “disabled”.10 If the householder is between age 

25 and 64 and neither condition (i) or (ii) above is 

met, the household is classified as “not disabled”. If 

the householder is not between the ages of 25 and 64, 

the household is classified as “not applicable”.

10 Specifically, we use the variable PEMLR (“Monthly Labor Force 

Recode”) to determine if the respondent is not in the labor force due to a 

disability. Refer to the CPS Data Dictionary for detail on the six-question 

disability sequence, available at the following link: http://thedataweb.rm.

census.gov/ftp/cps_ftp.html. 
2013 FDIC National Survey of Unbanked and Underaned Households 

There is no universally accepted method to identify 

the population with disabilities. The definition used 

in this report, described above, follows the recommendation of Burkhauser, Houtenville, and Tennant 

(2012), in that the householder is identified as 

disabled based on labor force status in addition to the 

6 question disability sequence.11 Using this approach, 

roughly 9 percent of households are categorized as 

disabled. Using an alternative approach based only 

on the 6 question disability sequence in the CPS, 

roughly 8 percent of households are categorized as 

disabled. Yet another alternative is to categorize a 

household as disabled if any household resident (age 

25 to 64) is identified as disabled, based on the 6 

question disability sequence and labor force status.12 

Using this approach, roughly 12 percent of households are identified as disabled. Key estimates from 

the FDIC Unbanked/Underbanked supplement, such 

as the proportion of disabled households that is 

unbanked, are qualitatively similar using any of these 

alternatives. 

The counties included in some of the MSAs selected 

for the CPS do not correspond exactly to the counties 

included for these MSAs in the official definitions 

prepared by the Office of Management and Budget 

(OMB) for two basic reasons. 

First, in redesigning the CPS in a timely manner to 

incorporate results from the 2000 Decennial Census, 

the Census Bureau had to project revised MSA definitions prior to the release of the official OMB definitions in 2003. Therefore, in some cases, the Census 

Bureau included one or two counties in an MSA for 

the CPS that were not subsequently included in the 

official definition of the MSA. In other cases, the 

Census Bureau excluded one or two counties that 

were subsequently included in the official definitions 

of an MSA. In the latter case, the data for the MSA in 

the CPS (and in the Unbanked/Underbanked Supplement) will not include any responses for one or two 

11 “Capturing the Elusive Working-Age Population With Disabilities: 

Reconciling Conflicting Social Success Estimates From the Current Population Survey and American Community Survey.” Richard V. Burkhauser, 

Andrew J. Houtenville and Jennifer R. Tennant. 2012. Journal of Disability 

Policy Studies 24(4):195-205. 

12 This alternative categorization would addresses the potential concern 

that our householder-based disability estimates are biased downward, to 

the extent that a person with a disability is less likely to be identified as 

the householder other things equal. We are aware of at least one other 

study that uses this definition (among other alternatives): the USDA’s 

2013 “Food Insecurity Among Households With Working-Age Adults With 

Disabilities” report (US Department of Agriculture Economic Research 

Report, Number 144, January 2013.)

of the counties that are a part of the official definition 

of the MSA.13

Second, since the CPS is a state-based design, MSAs 

that include counties in more than one state are 

subdivided into their respective state components for 

sampling purposes. Therefore, for some multi-state 

MSAs, the counties belonging to one or two of the 

states were not selected for the CPS sample, even 

though the counties making up the other portion of 

the MSA were selected. The larger portions are 

usually included in the CPS since they would be 

selected with certainty for their state sample because 

of their size (i.e., those larger portions would be 

“self-representing”). Also, for some multi-state MSAs, 

the part of the MSA contained in a given state is 

selected for the CPS sample but cannot be identified 

as belonging to the MSA (for confidentiality reasons) 

because it contains fewer than 100,000 people. In 

such cases the respondents in that state usually would 

be identified as belonging to a metropolitan area, but 

the specific MSA would not be identified.

Statistical Precision of Estimates

Standard errors were calculated for certain 

Unbanked/Underbanked Supplement Report estimates to indicate the precision of these estimates. For 

example, the standard error can be used to compute a 

95 percent confidence interval for a survey estimate 

(this is generally computed as the estimate plus or 

minus two times the standard error). If the survey 

estimate of interest is a difference between estimates 

for different groups, the estimated standard error of 

the difference can be used to determine whether the 

observed difference is “statistically significant.” 

Differences discussed in this report are significant at 

the 10 percent level of significance. That is, if there 

were no difference in the true universe values of the 

two sample estimates being compared, the probability 

of obtaining sample estimates having this observed 

difference or a larger difference would be no more 

than 10 percent, and could be considerably less.

The standard errors presented in the full report on 

the FDIC’s Unbanked/Underbanked Supplement 

were calculated based on the variation of a survey 

estimate across a set of 160 sample replicates 

provided by the Census Bureau. Details of the calculation of standard errors based on sample replicates 

13 In the former case, data for any counties that were not subsequently 

included in the official definition of an MSA are coded as 

non-metropolitan. 
2013 FDIC National Survey of Unbanked and Underbaked Households

(and on the CPS methodology in general) are available from the Census Bureau.14

For an estimated difference between a universe quantity for the 2013 and 2011 Unbanked/Underbanked 

surveys (such as the difference between the number 

of unbanked households), the derivation of the standard error of such an estimated difference was based 

on the fact that estimates from the 2013 and 2011 

surveys are independent. Therefore, the standard 

error of the estimated difference is the square root of 

the sum of the variances of the two separate estimates. Sample estimates of these variances, based on 

the use of the set of 160 replicates as described above, 

were used to estimate the standard error of a difference of estimates between the two years. The significance of any observed difference between estimates 

from the two years is assessed based on the estimated 

standard error of the difference.

14 For a detailed description of the methodology used to calculate standard errors using replicates, see U.S Census Bureau Technical Paper No. 

66, Chapter 14, available at http://www.census.gov/prod/2006pubs/tp-66.

pdf.
2013 FDIC National Survey of Unbanked and Underaned Households 

Appendix J – 2013 Revisions to the FDIC 

National Survey of Unbanked and 

Underbanked Households
2013 FDIC National Survey of Unbanked and Underaned Households 

The 2013 survey instrument is similar to the 2011 

survey. However, some important changes were made 

based on lessons learned from the 2009 and 2011 

efforts and to provide greater insight into the circumstances of unbanked and underbanked households 

and reflect changes in the financial services market.. 

Changes were made to collect more data on the 

reasons why and when households change banking 

status, to add more questions regarding households’ 

use of prepaid cards, and to gather information on 

the methods households use to access their bank 

accounts. In addition, questions on auto title loans 

were included in the survey, and new questions were 

added to collect data on the locations from which 

households obtain alternative financial services 

(AFS). Throughout, minor changes were made to 

survey language to improve clarity and consistency. 

Because of the differences between the 2009, 2011 

and 2013 surveys, certain estimates are not directly 

comparable across surveys. Some estimates, such as 

the proportion of unbanked households, can be 

compared across all three surveys. Other estimates, 

such as the timeframes for the use of alternative 

financial services (AFS) are comparable between 2011 

and 2013, but not back to 2009. And some estimates, 

such as the proportion of underbanked households, 

are not comparable between any of the surveys. Notes 

are included throughout the tables and the report to 

indicate when estimates are not comparable. The 

dataset provided on www.economicinclusion.gov also 

indicates which variables are consistent across years. 

Specific revisions to the 2013 survey are as follows:1

A. Banking Status and Transitions

A new question was added to identify households 

that had been unbanked, but opened a bank account 

in the last year (Q2e). This complements the existing 

question that asks unbanked households that were 

previously banked when they last had an account 

(Q4) and provides more complete data on recent 

transitions into and out of the banking system.

A new question asks households that opened an 

account within the last year why they did so (Q2f). 

This replaces the question that, in 2011, asks households that reported being “somewhat likely” or “very 

likely” to open a bank account why they wanted to do 

so (2011 Survey Q8). 

1 For details of the changes made between the 2009 and 2011 surveys, 

please see 2011 FDIC National Survey of Unbanked and Underbanked 

Households, Appendix F – Revisions to the FDIC National Survey of 

Unbanked and Underbanked Households, September 2012.

New questions were added to investigate whether 

certain life events contribute to changes in banking 

status. All households are asked whether they experienced a series of life events (Q49), and households 

that recently transitioned into or out of the banking 

system were asked whether those events contributed 

to the households opening or closing a bank account 

(Q50 and Q51).

The question regarding households’ likelihood of 

opening a bank account was reworded to ask about 

the likelihood of opening an account “in the next 12 

months” rather than “in the future” (Q7)

B. Reasons for Being Unbanked

The existing questions on the reasons why households do not have a bank account were revised, and 

new questions were added.

The possible reasons for not having an account were 

revised slightly and the broad reason “do not need or 

want an account” was dropped because this response 

was difficult to interpret and did not explain the 

underlying reason that the household did not need or 

want an account. 

This series of questions was changed to first ask the 

household to indicate all of the reasons why it does 

not have an account, allowing respondents to choose 

multiple responses from a broad range of reasons 

(Q5a-Q5i); subsequently, respondents were asked to 

indicate the main reason they do not have an 

account, from among the responses selected (Q6). 

In contrast, the 2011 survey asked households to 

select only the main reason why the household does 

not have an account. Then, some respondents were 

asked for more detailed information regarding their 

reasons for being unbanked within the reason that 

was selected (2011 Survey Q5 and Q6a-Q6f). 

The current version allows for the collection of more 

complete data regarding the variety of reasons, and 

the relative importance of those reasons. 

C. Use of Alternative Financial Services (AFS) and 

Payroll Cards 

Several new questions in this section include: 

New questions were added to identify the locations 

where households obtain transaction AFS. Responses 
2013 FDIC National Survey of Unbanked and Underaned Households 

included big box stores, supermarkets, standalone 

AFS providers, etc., and were tailored for each AFS 

(Q13b, Q19b, Q24b). 

A new question asked respondents who used 

non-bank payday loans whether the loans were taken 

out over the internet (Q28b).

Auto title loans were added as an additional AFS 

(Q38–Q38c).

Several questions were dropped in order to accommodate the new questions:

Questions regarding the reasons why households use 

AFS were dropped (2011 Survey Q13, Q19, Q24, Q28, 

Q32, Q37). Questions on the reasons for AFS use 

were asked in 2009 and 2011, and the responses were 

very consistent between surveys and it is not anticipated that the responses would change in the short 

term. 

Questions on the number of times households used 

transaction AFS in the last 30 days were dropped 

(2011 Survey Q12, Q17, Q23).

Minor revisions were made to several questions in 

this section.

The question about the use of remittances (Q20) reiterates that the survey is asking for sending money 

internationally, as opposed to domestically. New 

language was added to the question to clarify that 

remittances include money sent “to relatives or 

friends outside the US.” 

The rent-to-own question (Q35) includes an additional instruction to differentiate this financial service 

from other forms of payment or credit services: “I am 

not talking about leasing cars or other installment 

payment plans that require credit check or layaway 

plans.”

D. Use of Prepaid and Payroll Cards 

The 2013 survey significantly expands the number of 

questions respondents are asked regarding their use 

of prepaid cards. The 2009 and 2011 survey asked 

households whether they had ever used a prepaid 

card. The 2013 survey asks a number of additional 

questions, in order to collect more data about the use 

of these rapidly growing products. 

New questions were added to ask respondents who 

use prepaid cards about the recency of their use, 

similar to the questions that ask about the recency of 

AFS use (Q40-Q41).

New questions (Q42 and Q42b) ask respondents why 

they use prepaid cards.

A question was added asking about the locations 

where respondents get prepaid cards (Q43)

Questions were added to ask whether households that 

use prepaid cards have ever reloaded that card (Q44) 

and, if so, how/where they reload it (Q45).

To help make room to accommodate the new questions, the question regarding households’ use of 

payroll cards was dropped (2011 Survey Q38). Payroll 

card use was very low, based on the 2011 results. 

E. Direct Deposit and Automatic Transfers and 

Methods Used to Access Bank Accounts

A new set of questions was added to the survey to ask 

households direct deposits and about the various 

locations and methods used to access bank accounts, 

including online and mobile technologies. 

New questions ask households whether they use 

automatic transfers or direct deposit (Q2c) and, if so, 

which types of accounts receive the payments or 

deposits (Q2d).

New questions ask all banked households about the 

channels the households use to access accounts. Q2g 

and Q2h ask about all of the methods used, and the 

main method used. Q2i asks households that have 

used mobile banking which types of banking transactions or activities they have performed with their 

mobile phones. 

For context, all households were asked about whether 

they have access to the Internet, and to mobile and 

smartphones (Q46-Q48). 
2013 FDIC National Survey of Unbanked and Underaned Households 
2013 FDIC National Survey of Unbanked and Underaned Households 

Appendix K – 2013 Survey Instrument
2013 FDIC National Survey of Unbanked and Underaned Households 

FDIC 6494/03 (11-10) Page 8

OMB No. 3064-0167

Expiration Date: 5/31/2016

FDIC Household Survey of the Unbanked and Underbanked (final approved 5/16/2013)

INTRODUCTION

Next, I’d like to ask you some questions about household finances. 

1. Which of the following best describes your household’s finances? 

 (Read Responses 1-3.)

 The adults have shared finances (CONTINUE)

 The adults have some shared finances and some

separate finances (CONTINUE)

 The adults have separate finances even though we

share living space (SKIP TO Q2)

 I am the only adult in the household (Volunteered) (SKIP TO Q2) 

DK/Refused (CONTINUE)

1a. How much do you participate in making financial decisions for your household, a lot, some or not 

at all?

 A lot (CONTINUE)

 Some (CONTINUE)

 Not at all (TERMINATE)

 DK/Refused (TERMINATE)

2. Do you or does anyone in your household currently have a checking or savings account?

 Yes (CONTINUE)

 No (SKIP TO Q3)

 DK/Refused (TERMINATE)

2a. Who is that? (Enter Line Number)

 1-16 (CONTINUE)

 DK/Refused (SKIP TO Q2e)

2b. What type or types of accounts do you and each of your household members have? (Ask this 

question for each adult (15 years of age and older) individual of the household)

 Only checking accounts (CONTINUE)

 Only savings accounts (CONTINUE)

 Or both checking and savings accounts (CONTINUE)

 Other (Volunteered) (CONTINUE)

 DK/Refused (CONTINUE)


2013 FDIC National Survey of Unbanked and Underaned Households 

Q2c asked of households that have an account

2c. Does anyone in your household currently have money automatically transferred or deposited into a

bank account (eg, transfers between accounts or direct deposit)?

 Yes (CONTINUE)

 No (SKIP TO Q2e)

 DK/Refused (SKIP TO Q2e)

Q2d asked of households that have automatic deposits/transfers

2d. Into which type or types of accounts does your households have money automatically deposited or

transferred? [MARK ALL THAT APPLY]

 Checking account (CONTINUE)

 Savings account (CONTINUE)

 Other (Specify) (CONTINUE)

 DK/Refused (CONTINUE)

Q2e asked of households that have a bank account

2e. Was there ever a time in the last 12 months when noone in your household had an account?

 Yes (CONTINUE)

 No (SKIP to Q2g)

 DK/Refused (SKIP to Q2g)

( Q2f is asked of households that were unbanked less than 12 months ago)

2f. What is the main reason you or someone in your household opened an account in the past 12 

months? (mark only 1)

 To put money in a safe place (CONTINUE)

 To pay for everyday purchases, write checks, or/and pay bills (CONTINUE)

 To be able to apply for a loan or mortgage (CONTINUE)

 To save money for the future (CONTINUE)

 To receive direct deposit of paychecks or other payments (e.g. social security benefit)

(CONTINUE)

 To send money to family or friends (CONTINUE)

 Other (Specify) (CONTINUE)

 DK/Refused (CONTINUE)

2g. In the past 12 months, have you or anyone in your household used any of the following methods to 

access an account? (check all that apply)

 Bank teller (CONTINUE)

 ATM/Kiosk (CONTINUE)

 Telephone Banking through phone call or automated voice/touch tone (CONTINUE

 Online Banking through desktop, laptop, or tablet computer (e.g., IPad) (CONTINUE)

 Mobile Banking through text messaging, mobile app, or Internet browser or email on phone 

(CONTINUE)

 Other (Specify) (CONTINUE)

 Did not access an account in the past 12 months (CONTINUE)

 DK/Refused (CONTINUE)
2013 FDIC National Survey of Unbanked and Underaned Households 

2h. What was the most common way that you or anyone in your household accessed an account? (Read 

only answers marked in Q2g. Check only one)

 Bank teller (CONTINUE)

 ATM/Kiosk CONTINUE)

 Telephone Banking (phone call or automated voice/touch tone) CONTINUE)

 Mobile Phone Banking (text messaging, phone Internet browser, mobile app, or email)

(CONTINUE)

 Online Banking through desktop, laptop, or tablet computer (e.g., IPad) (CONTINUE)

 Other (Specify) (CONTINUE)

 DK/Refused (CONTINUE)

Q2i is asked of all interviewees that selected “Mobile Phone Banking” as a response to Q2g. 

2i. In the past 12 months have you or anyone in your household done any of the following using a

mobile phone ( check all that apply)?

 Downloaded or used bank’s mobile app (SKIP TO Q9)

 Checked bank account balance or recent transactions (SKIP TO Q9)

 Made a bill payment using your bank’s website or mobile app (SKIP TO Q9)

 Read a text message alert from the bank (SKIP TO Q9)

 Sent money to other people using your bank’s website or mobile app (SKIP TO Q9)

 Transferred money between accounts owned by the same person (SKIP TO Q9)

 Deposited a check electronically using the mobile phone’s camera (SKIP TO Q9)

 Located the closest in-network ATM or bank branch (SKIP TO Q9)

 Other (Specify) (SKIP TO Q9)

 DK/Refused (SKIP TO Q9)

Question 3 is asked of households that do not have a bank account.

3. Have you or anyone in your household ever had a checking or savings account?

 Yes (CONTINUE)

 No (SKIP TO Q5)

 DK/Refused (SKIP TO Q5)

Q4 is asked to those households that were previously banked, but currently do not have a deposit 

account with a bank. 

4. When was the last time you or anyone in your household had a checking or savings account, was it –

within the last year or more than 1 year ago?

 Within the last year (CONTINUE)

 More than 1 year ago (CONTINUE)

 DK/Refused (CONTINUE)

Q5- Q6 apply to all unbanked households and relate to reasons why the household does not have an

account. 
2013 FDIC National Survey of Unbanked and Underaned Households 

5. Consumers have different reasons why they do not have an account. Are any of the following a

reason why your household doesn’t have an account (check all that apply)?

a. Banks do not have convenient hours or locations (CONTINUE)

 Yes, it’s a reason (CONTINUE)

 No, it’s not a reason (CONTINUE)

 DK/Refused (CONTINUE)

b. Bank account fees are too high or unpredictable (CONTINUE)

 Yes, it’s a reason (CONTINUE)

 No, it’s not a reason (CONTINUE)

 DK/Refused (CONTINUE)

c. Banks do not offer needed products or services (CONTINUE)

 Yes, it’s a reason (CONTINUE)

 No, it’s not a reason (CONTINUE)

 DK/Refused (CONTINUE)

d. Don’t like dealing with or don’t trust banks (CONTINUE)

 Yes, it’s a reason (CONTINUE)

 No, it’s not a reason (CONTINUE)

 DK/Refused (CONTINUE)

e. Do not have enough money to keep in an account or meet a minimum balance (CONTINUE)

 Yes, it’s a reason (CONTINUE)

 No, it’s not a reason (CONTINUE)

 DK/Refused (CONTINUE)

f. Not using a bank provides more privacy for my personal finances (CONTINUE)

 Yes, it’s a reason (CONTINUE)

 No, it’s not a reason (CONTINUE)

 DK/Refused (CONTINUE)

g. Can’t open an account due to ID, credit, or banking history problems 

 Yes, it’s a reason (CONTINUE)

 No, it’s not a reason (CONTINUE)

 DK/Refused (CONTINUE)

i. Was there some other reason? (Specify) (CONTINUE)

 Yes (CONTINUE)

 No (CONTINUE)

 DK/Refused (CONTINUE)

 k. DK/Refused (SKIP TO Q7)

6. What is the main reason why no one in your household has an account? (Read only responses 

checked in Q5. Mark only one.). 

 a. Can’t open an account due to ID, credit, or banking history problems (CONTINUE)

 b. Banks do not have convenient hours or locations (CONTINUE)
2013 FDIC National Survey of Unbanked and Underaned Households 

 c. Bank account fees are too high or unpredictable (CONTINUE)

 d. Banks do not offer needed products or services (CONTINUE)

 e. Don’t like dealing with or don’t trust banks (CONTINUE)

 f. Do not have enough money to keep in an account or meet a minimum balance

(CONTINUE)

 g. Not using a bank provides more privacy for my personal finances (CONTINUE)

 i. Was there some other reason? (Specify) (CONTINUE)

 k. DK/Refused (CONTINUE)

7. How likely is it that you or someone in your household will open a bank account within the next 12 

months – very likely, somewhat likely, not too likely, or not likely at all?

 Very likely (CONTINUE)

 Somewhat likely (CONTINUE)

 Not too likely (CONTINUE)

 Not likely at all (CONTINUE)

 DK/Refused (CONTINUE)

Q9- Q49b apply to all households, regardless of their banking status.

The next series of questions asks if you or someone in your household has gone to places other

than a bank for financial services. When I use the term bank, I am referring to banks, savings

and loans, credit unions, and brokerage firms.

9. Have you or anyone in your household EVER gone to a place other than a bank to cash a check that 

was received from someone else?

 Yes (CONTINUE)

 No (SKIP TO Q14)

 DK/Refused (SKIP TO Q14)

10. In the past 12 months, did you or anyone in your household go to a place other than a bank to cash 

a check received from someone else?

 Yes (CONTINUE)

 No (SKIP TO Q13b)

 DK/Refused (SKIP TO Q13b)

11. Did you or anyone in your household do this in the past 30 days?

 Yes (CONTINUE)

 No (CONTINUE)

 DK/Refused (CONTINUE)

13b. Which non-bank location do you or others in your household typically use to cash checks? (Mark 

only one)

 A large retail or department store (such as Walmart or Kmart) (CONTINUE)

 Grocery, liquor, convenience, or drug store (CONTINUE)

 Stand-alone non-bank financial services store (such as a check cashers or payday lender)

(CONTINUE)

 Other (specify) (CONTINUE)

 DK/Refused (CONTINUE)
2013 FDIC National Survey of Unbanked and Underaned Households 

14. Have you or anyone in your household EVER gone to a place other than a bank to purchase a

money order?

 Yes (CONTINUE)

 No (SKIP TO Q20)

 DK/Refused (SKIP TO Q20)

15. In the past 12 months, did you or anyone in your household go to a place other than a bank to 

purchase a money order?

 Yes (CONTINUE)

 No (SKIP TO Q19b)

 DK/Refused (SKIP TO Q19b)

16. Did you or anyone in your household do this in the past 30 days?

 Yes (CONTINUE)

 No (CONTINUE)

 DK/Refused (CONTINUE)

19b. Which non-bank location do you or others in your household typically use to purchase money

orders? (Mark only one)

 The Post Office (CONTINUE)

 A large retail or department store (such as Walmart or Kmart) (CONTINUE)

 Grocery, liquor, convenience, or drug store (CONTINUE)

 Stand-alone non-bank financial services store (such as a check cashers or payday lend 

(CONTINUE)

 Other (specify) (CONTINUE)

 DK/Refused (CONTINUE)

20. Have you or anyone in your household EVER gone to a place other than a bank to give or send 

money to relatives or friends living outside the U.S.?

Please include all money for gifts or loans to relatives or friends living outside the U.S. Read if 

necessary: Friends are people you know personally (are acquainted with). Do NOT include money for

charities or other organizations or groups.

 Yes (CONTINUE)

 No (SKIP TO Q25)

 DK/Refused (SKIP TO Q25)

21. In the past 12 months, did you or anyone in your household go to a place other than a bank to give

or send money to relatives or friends living outside the U.S.?

 Yes (CONTINUE)

 No (SKIP TO Q24b)

 DK/Refused (SKIP TO Q24b)

22. Have you or anyone in your household done this in the past 30 days?

 Yes (CONTINUE)

 No (CONTINUE)

 DK/Refused (CONTINUE)
2013 FDIC National Survey of Unbanked and Underaned Households 

24b. Which non-bank location do you or others in your household typically use to send money? 

(Mark only one)

 A large retail or department store (such as Walmart or Kmart) (CONTINUE)

 Grocery, liquor, convenience, or drug store (CONTINUE)

 Stand-alone non-bank financial services store (such as a check cashers or payday lender)

(CONTINUE)

 Mobile phone through text messaging, Internet browser, or mobile app (CONTINUE)

 Online through desktop, laptop, or tablet computer (e.g., IPad) (CONTINUE)

 Other (specify) (CONTINUE)

 DK/Refused (CONTINUE)

25. Have you or anyone in your household EVER taken out a payday loan or payday advance at a 

place other than a bank?

 Yes (CONTINUE)

 No (SKIP TO Q29)

 DK/Refused (SKIP TO Q29)

26. In the past 12 months, did you or anyone in your household have a payday loan or payday advance

at a place other than a bank?

 Yes (CONTINUE)

 No (SKIP TO Q29)

 DK/Refused (SKIP TO Q29)

27. Did you or anyone in your household have one in the past 30 days?

 Yes (CONTINUE)

 No (CONTINUE)

 DK/Refused (CONTINUE)

28b. In the past 12 months, have you or anyone in your household taken out a non-bank payday loan 

through the internet?

 Yes (CONTINUE)

 No (CONTINUE)

 DK/Refused (CONTINUE)

29. Have you or anyone in your household EVER pawned an item at a pawn shop because cash was 

needed, and not just to sell an unwanted item?

 Yes (CONTINUE)

 No (SKIP TO Q33)

 DK/Refused (SKIP TO Q33)

30. In the past 12 months, have you or anyone in your household pawned an item because cash was 

needed? Again, do not count selling unwanted items. 

 Yes (CONTINUE)

 No (SKIP TO Q33)

 DK/Refused (SKIP TO Q33)

31. Have you or anyone in your household done this in the past 30 days? 

 Yes (CONTINUE)

 No (CONTINUE)

 DK/Refused (CONTINUE)
2013 FDIC National Survey of Unbanked and Underaned Households 

33. Have you or anyone in your household EVER taken out a tax refund anticipation loan, or used a

tax preparation service to receive your tax refund faster than the IRS would provide it?

 Yes (CONTINUE)

 No (SKIP TO Q35)

 DK/refused (SKIP TO Q35)

34. Have you or anyone in your household received one of these loans or refunds in the past 12 

months?

 Yes (CONTINUE)

 No (CONTINUE)

 DK/refused (CONTINUE)

35. Have you or anyone in your household EVER rented or leased anything from a rent-to-own store

because it couldn’t be financed any other way? I am not talking about leasing cars or other installment 

payment plans that require credit check or layaway plans.

 Yes (CONTINUE)

 No (SKIP TO Q38)

 DK/refused (SKIP TO Q38)

36. In the past 12 months, did you or anyone in your household have a rent-to-own agreement?

 Yes (CONTINUE)

 No (SKIP TO Q38)

 DK/Refused (SKIP TO Q38)

37. Have you or anyone in your household had one in the past 30 days?

 Yes (CONTINUE)

 No (CONTINUE)

 DK/Refused (CONTINUE)

38. Have you or anyone in your household EVER taken out an auto title loan at a place other than a

bank? These are loans where a car title is used to borrow money for a short period of time. They are

NOT loans used to purchase an automobile. 

 Yes (CONTINUE)

 No (SKIP TO Q39)

 DK/refused (SKIP TO Q39)

38b. In the past 12 months, did you or anyone in your household have an auto title loan?

 Yes (CONTINUE)

 No (SKIP TO Q39)

 DK/refused (SKIP TO Q39)

38c. Did you or anyone in your household have one in the past 30 days?

 Yes (CONTINUE)

 No (CONTINUE)

 DK/refused (CONTINUE)

Asked to all households
2013 FDIC National Survey of Unbanked and Underaned Households 

Now I have a question about prepaid debit cards that may have logos such as MasterCard, 

VISA, Discover or American Express. These cards are not linked to a checking or savings 

account. You or someone else on your behalf, like a relative or a government agency, can keep

adding money onto this card and use it to make purchases and pay bills anywhere credit cards 

are accepted or withdraw the cash from an ATM. I am not talking about phone cards, gift cards 

for a particular store or service or cards that you cannot add more funds onto. 

39. Have you or anyone in your household EVER used prepaid cards such as those I have

described?

 Yes (CONTINUE)

 No (SKIP TO Q46)

 DK/Refused (SKIP TO Q46)

40. In the past 12 months, did you or anyone in your household use a prepaid card such as those I have

described?

 Yes (CONTINUE)

 No (SKIP TO Q46)

 DK/Refused (SKIP TO Q46)

41. Did you or anyone in your household use one of these prepaid cards in the past 30 days?

 Yes (CONTINUE)

 No (CONTINUE)

 DK/Refused (CONTINUE)

Ask Q42- Q45 only of households that responded ‘Yes’ to Q40 (they used a prepaid card within the 

past 12 months)

42. What are the reasons you or someone in your household used a prepaid card in the last year? (mark 

all that apply .)

 To put money in a safe place (CONTINUE)

 To pay for everyday purchases or pay bills (CONTINUE)

 To save money for the future (CONTINUE)

 To receive payments (e.g., direct deposit of paychecks or other income such as social security

benefit) (CONTINUE)

 To send or give money to family and friends (CONTINUE)

 To control spending (CONTINUE)

 Other (Specify) (CONTINUE)

 DK/Refused (SKIP TO Q43)

42b. What is the main reason you or someone in your household used a prepaid card in the last year?

(mark only one.)

 To put money in a safe place (CONTINUE)

 To pay for everyday purchases or pay bills (CONTINUE)

 To save money for the future (CONTINUE)

 To receive payments (e.g., direct deposit of paychecks or other income such as social security

benefit) (CONTINUE)

 To send or give money to family and friends (CONTINUE)

 To control spending (CONTINUE)
2013 FDIC National Survey of Unbanked and Underaned Households 

 Other (Specify) (CONTINUE)

 DK/Refused (CONTINUE)

43. Which location do you or others in your household typically use to get the prepaid card? 

(Mark only one)

 A large retail or department store (such as Walmart or Kmart) (CONTINUE)

 Grocery, liquor, convenience, or drug store (CONTINUE)

 Stand-alone non-bank financial services store (such as a check cashers or payday lender)

(CONTINUE)

 A bank branch (CONTINUE)

 Internet/Online (CONTINUE)

 Over the telephone (CONTINUE)

 The card was provided by someone else

 Other (specify) (CONTINUE)

 DK/Refused (CONTINUE)

44. In the past 12 months, did you or anyone else add money to reload any of your prepaid cards? 

 Yes (CONTINUE)

 No (CONTINUE)

 DK/Refused (CONTINUE)

45. In the past 12 months, did you or anyone in your household use any of the following methods to 

access or load the prepaid card account? (Check all that apply)

 Bank teller (SKIP TO Q46)

 ATM/Kiosk (SKIP TO Q46)

 Retail store clerk (SKIP TO Q46)

 Telephone through phone call or automated voice/touch tone (SKIP TO Q46)

 Mobile Phone through text messaging, phone Internet browser, mobile app, email, but 

excluding voice calls (CONTINUE)

 Online through desktop, laptop, or tablet computer (SKIP TO Q46)

 Direct Deposit of paycheck or other income (such as government benefits) (SKIP TO Q46)

 Other (Specify) (SKIP TO Q46)

 DK/Refused (SKIP TO Q46)

(All households that had a prepaid card in the last year and used mobile phone)

45b. In the past 12 months have you or anyone in your household done any of the following using a

mobile phone? (Check all that apply)

 Downloaded or used prepaid card provider’s mobile app on mobile phone (CONTINUE)

 Checked prepaid account balance or recent transactions (CONTINUE)

 Made a bill payment using the prepaid card (CONTINUE)

 Received a text message alert from your prepaid card account (CONTINUE)

 Sent money to other people from your prepaid card account (CONTINUE)

 Transferred money between accounts owned by the same person (CONTINUE)

 Deposited a check electronically to your prepaid account using your phone’s camera

(CONTINUE)

 Waved or tapped my mobile phone at the cash register to pay for a purchase with a prepaid card

(CONTINUE)

 Other (Specify)

 DK/Refused (CONTINUE)
2013 FDIC National Survey of Unbanked and Underaned Households 

(Ask all households)

46. Do you or anyone in your household currently have regular access to the internet, either at home or

outside your home (e.g., school, work, public library, etc.)?

 Yes (CONTINUE)

 No (CONTINUE)

 DK/Refused (CONTINUE)

47. Do you or anyone in your household currently own or have regular access to a mobile phone?

 Yes (CONTINUE)

 No (SKIP TO Q49)

 DK/Refused (SKIP TO Q49)

48. Is that mobile phone a smartphone that is a mobile phone with features that enable it to access the

web, send emails, and download apps?

 Yes (CONTINUE)

 No (CONTINUE)

 DK/Refused (CONTINUE)

(Ask all households)

49. Did your household experience any of the following events in the past 12 month? (Mark all that 

apply)

a. Significant loss of income

 Yes (CONTINUE)

 No (CONTINUE)

 DK/Refused (CONTINUE)

b. Significant increase in income 

 Yes (CONTINUE)

 No (CONTINUE)

 DK/Refused (CONTINUE)

c. Job loss

 Yes (CONTINUE)

 No (CONTINUE)

 DK/Refused (CONTINUE)

d. New job

 Yes (CONTINUE)

 No (CONTINUE)

 DK/Refused (CONTINUE)

e. Retirement

 Yes (CONTINUE)

 No (CONTINUE)

 DK/Refused (CONTINUE)

f. Significant increase in household expenses (e.g. medical or home repair) 
2013 FDIC National Survey of Unbanked and Underaned Households 

 Yes (CONTINUE)

 No (CONTINUE)

 DK/Refused (CONTINUE)

g. Significant decrease in household expenses

 Yes (CONTINUE)

 No (CONTINUE)

 DK/Refused (CONTINUE)

h. Divorce or death of a household member

 Yes (CONTINUE)

 No (CONTINUE)

 DK/Refused (CONTINUE)

i. New marriage, civil union, or domestic partnership

 Yes (CONTINUE)

 No (CONTINUE)

 DK/Refused (CONTINUE)

j. Birth, adoption, or other addition of a child to the household

 Yes (CONTINUE)

 No (CONTINUE)

 DK/Refused (CONTINUE)

k. Move or relocation

 Yes (CONTINUE)

 No (CONTINUE)

 DK/Refused (CONTINUE)

l. None of the above

 Yes (CONTINUE)

 No (CONTINUE)

 DK/Refused (CONTINUE)

m. DK/Refused (TERMINATE)

Ask Q50 if household is banked (Q2 is Yes) and response to Q2e is ‘Yes’.

50. Earlier you indicated that your households did not have a bank account at some point within the 

last year, but have one now. Which of these events contribute to the account being opened? (Read 

only options marked in Q49. Mark all that apply)

a. Significant loss of income

 Yes (CONTINUE)

 No (CONTINUE)

 DK/Refused (CONTINUE)
2013 FDIC National Survey of Unbanked and Underaned Households 

b. Significant increase in income 

 Yes (CONTINUE)

 No (CONTINUE)

 DK/Refused (CONTINUE)

c. Job loss

 Yes (CONTINUE)

 No (CONTINUE)

 DK/Refused (CONTINUE)

d. New job

 Yes (CONTINUE)

 No (CONTINUE)

 DK/Refused (CONTINUE)

e. Retirement

 Yes (CONTINUE)

 No (CONTINUE)

 DK/Refused (CONTINUE)

f. Significant increase in household expenses (e.g. medical or home repair) 

 Yes (CONTINUE)

 No (CONTINUE)

 DK/Refused (CONTINUE)

g. Significant decrease in household expenses

 Yes (CONTINUE)

 No (CONTINUE)

 DK/Refused (CONTINUE)

h. Divorce or death of a household member

 Yes (CONTINUE)

 No (CONTINUE)

 DK/Refused (CONTINUE)

i. New marriage, civil union, or domestic partnership

 Yes (CONTINUE)

 No (CONTINUE)

 DK/Refused (CONTINUE)

j. Birth, adoption, or other addition of a child to the household

 Yes (CONTINUE)

 No (CONTINUE)

 DK/Refused (CONTINUE)

k. Move or relocation

 Yes (TERMINATE)
2013 FDIC National Survey of Unbanked and Underaned Households 

 No (CONTINUE)

 DK/Refused (CONTINUE)

l. None of the above

 Yes (TERMINATE)

 No (TERMINATE)

 DK/Refused (TERMINATE)

m. DK/Refused (TERMINATE)

Ask Q51 if household is unbanked (Q2 is No) and response to Q4 is either ‘within the last year. .

51. Earlier you mentioned that you or someone in your household had a bank account within the past 

year. Which of these events contributed to the account being closed? (Read only options marked in 

Q49. Mark all that apply)

a. Significant loss of income

 Yes (CONTINUE)

 No (CONTINUE)

 DK/Refused (CONTINUE)

n. Significant increase in income 

 Yes (CONTINUE)

 No (CONTINUE)

 DK/Refused (CONTINUE)

o. Job loss

 Yes (CONTINUE)

 No (CONTINUE)

 DK/Refused (CONTINUE)

p. New job

 Yes (CONTINUE)

 No (CONTINUE)

 DK/Refused (CONTINUE)

q. Retirement

 Yes (CONTINUE)

 No (CONTINUE)

 DK/Refused (CONTINUE)

r. Significant increase in household expenses (e.g. medical or home repair) 

 Yes (CONTINUE)

 No (CONTINUE)

 DK/Refused (CONTINUE)

s. Significant decrease in household expenses
2013 FDIC National Survey of Unbanked and Underaned Households 

 Yes (CONTINUE)

 No (CONTINUE)

 DK/Refused (CONTINUE)

t. Divorce or death of a household member

 Yes (CONTINUE)

 No (CONTINUE)

 DK/Refused (CONTINUE)

u. New marriage, civil union, or domestic partnership

 Yes (CONTINUE)

 No (CONTINUE)

 DK/Refused (CONTINUE)

v. Birth, adoption, or other addition of a child to the household

 Yes (CONTINUE)

 No (CONTINUE)

 DK/Refused (CONTINUE)

w. Move or relocation

 Yes (TERMINATE)

 No (TERMINATE)

 DK/Refused (TERMINATE)

x. None of the above

 Yes (TERMINATE)

 No (TERMINATE)

 DK/Refused (TERMINATE)

y. DK/Refused (TERMINATE)

<END>

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