2015



FDIC National Survey of 

Unbanked and Underbanked 

Households 

OCTOBER 20, 2016 

Members of the FDIC Unbanked/ 

Underbanked Survey Study Group 

Susan Burhouse 

Karyen Chu 

Keith Ernst 

Ryan Goodstein 

Alicia Lloro 

Gregory Lyons 

Joyce Northwood 

Yazmin Osaki 

Sherrie Rhine 

Dhruv Sharma 

Jeffrey Weinstein 

FEDERAL DEPOSIT INSURANCE CORPORATION 

Division of Depositor and Consumer Protection 

ECONOMICINCLUSION.GOV 

5 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES

Appendix Table of Contents

A. Banking Status of U.S. Households .....................................................................................................1

B. Banked Households: Types of Accounts and Methods Used to Access Accounts ...................................... 37

C. Prepaid Cards ...............................................................................................................................68

D. Alternative Financial Services ........................................................................................................ ..83

E. Saving for Unexpected Expenses or Emergencies ............................................................................. 108

F. Bank and Nonbank Credit ............................................................................................................. 116

G. How Households Conduct Their Financial Transactions in a Typical Month.............................................. 130
6 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES

List of Appendix Tables

A. Banking Status of U.S. Households

A.1 Banking Status by Household Characteristics, 2015...............................................................................................................1

A.2 Distribution of Households by Characteristics and Year, 2011-2015.......................................................................................3

A.3 Unbanked Rates by Household Characteristics, 2011-2015 ...................................................................................................5

A.4 Underbanked Rates by Household Characteristics, 2013-2015..............................................................................................7

A.5 Fully Banked Rates by Household Characteristics, 2013-2015...............................................................................................9

A.6 Monthly Income Volatility by Level of Income, 2015 ..............................................................................................................11

A.7 Banking Status by State, 2015...............................................................................................................................................11

A.8 Unbanked Rates by State, 2011-2015 ...................................................................................................................................13

A.9 Underbanked Rates by State, 2013-2015..............................................................................................................................15

A.10 Fully Banked Rates by State, 2013-2015 .............................................................................................................................17

A.11 Banking Status by MSA, 2015..............................................................................................................................................19

A.12 Unbanked Rates by MSA, 2011-2015..................................................................................................................................22

A.13 Underbanked Rates by MSA, 2013-2015.............................................................................................................................25

A.14 Fully Banked Rates by MSA, 2013-2015..............................................................................................................................28

A.15 Likelihood of Opening an Account by Previous Banking Status and Household Characteristics, 2015 .............................31

A.16 All Reasons Households Were Unbanked by Previous Banking Status, 2015.....................................................................33

A.17 Main Reason Households Were Unbanked by Previous Banking Status, 2015...................................................................34

A.18 “How Interested Are Banks in Serving Households Like Yours?” by Banking Status

and Household Characteristics, 2015 ..................................................................................................................................35

B. Banked Households: Types of Accounts and Methods Used to Access Accounts

B.1 Types of Accounts Owned by Banked Households, 2015.....................................................................................................37

B.2 Savings Account Ownership Rates by Household Characteristics, Banked Households, 2011-2015..................................39

B.3 All Methods Used to Access Bank Accounts by Banking Status and Household Characteristics, 2015..............................41

B.4 Primary Method Used to Access Bank Accounts by Banking Status and Household Characteristics, 2015 .......................43

B.5 Bank Teller as Primary Method Used to Access Bank Accounts by Banking Status

and Household Characteristics, 2013-2015...........................................................................................................................46

B.6 ATM/Kiosk as Primary Method Used to Access Bank Accounts by Banking Status

and Household Characteristics, 2013-2015...........................................................................................................................48

B.7 Telephone Banking as Primary Method Used to Access Bank Accounts by Banking Status

and Household Characteristics, 2013-2015...........................................................................................................................50

B.8 Online Banking as Primary Method Used to Access Bank Accounts by Banking Status

and Household Characteristics, 2013-2015...........................................................................................................................52

B.9 Mobile Banking as Primary Method Used to Access Bank Accounts by Banking Status

and Household Characteristics, 2013-2015...........................................................................................................................54

B.10 Use of Bank Tellers by Banking Status and Household Characteristics, 2015....................................................................56
7 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES

B.11 Internet Access at Home by Banking Status and Household Characteristics, 2015...........................................................58

B.12 Mobile Phone Access by Banking Status and Household Characteristics, 2015................................................................60

B.13 Smartphone Access by Banking Status and Household Characteristics, 2015 ..................................................................62

B.14 Mobile Phone Access by Banking Status and Household Characteristics, 2013-2015 ......................................................64

B.15 Smartphone Access by Banking Status and Household Characteristics, 2013-2015.........................................................66

C. Prepaid Cards

C.1 Prepaid Card Use by Banking Status and Household Characteristics, 2015 ........................................................................68

C.2 Prepaid Card Use by Banking Status and Household Characteristics, 2013-2015...............................................................70

C.3 Prepaid Card Use Among Unbanked Households by Household Characteristics, 2015 ......................................................72

C.4 Prepaid Card Use Among Unbanked Households by Household Characteristics, 2013-2015.............................................74

C.5 Prepaid Card Use by State, 2013-2015 .................................................................................................................................76

C.6 Prepaid Card Use by MSA, 2013-2015..................................................................................................................................78

C.7 Sources of Prepaid Cards by Banking Status and Household Characteristics, 2015 ...........................................................80

D. Alternative Financial Services

D.1 AFS Use by Bank Account Ownership and Household Characteristics, 2015 ......................................................................83

D.2 AFS Use by Bank Account Ownership and Household Characteristics, 2013-2015.............................................................85

D.3 Transaction AFS Use by Bank Account Ownership and Household Characteristics, 2015...................................................87

D.4 Transaction AFS Use by Bank Account Ownership and Household Characteristics, 2011-2015 .........................................89

D.5 Credit AFS Use by Bank Account Ownership and Household Characteristics, 2015 ...........................................................91

D.6 Credit AFS Use by Bank Account Ownership and Household Characteristics, 2013-2015..................................................93

D.7 AFS Use by State, 2013-2015................................................................................................................................................95

D.8 Transaction AFS Use by State, 2011-2015 ............................................................................................................................97

D.9 Credit AFS Use by State, 2013-2015 .....................................................................................................................................99

D.10 AFS Use by MSA, 2013-2015 ............................................................................................................................................101

D.11 Transaction AFS Use by MSA, 2011-2015.........................................................................................................................103

D.12 Credit AFS Use by MSA, 2013-2015..................................................................................................................................105

D.13 Use of Bank and Nonbank Remittances in Past 12 Months by Bank Account Ownership

and Selected Household Characteristics, 2015.................................................................................................................107

D.14 Use of Bank and Nonbank Remittances in a Typical Month by Bank Account Ownership

and Selected Household Characteristics, 2015.................................................................................................................107

E. Saving for Unexpected Expenses or Emergencies

E.1 Rates of Saving for Unexpected Expenses or Emergencies by Banking Status and Household Characteristics, 2015 .....108

E.2 Rates of Saving for Unexpected Expenses or Emergencies by State, 2015........................................................................110

E.3 Rates of Saving for Unexpected Expenses or Emergencies by MSA, 2015 ........................................................................112

E.4 Savings Methods by Banking Status and Household Characteristics, 2015 .......................................................................114
8 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES

F. Bank and Nonbank Credit

F.1 Bank Credit by Banking Status and Household Characteristics, 2015.................................................................................116

F.2 Bank and Nonbank Credit by Banking Status and Household Characteristics, 2015..........................................................118

F.3 Applications and Potential Ability to Qualify for Bank Credit by Banking Status

and Household Characteristics, 2015 ...................................................................................................................................120

F.4 Bank Credit by State, 2015 ...................................................................................................................................................122

F.5 Applications and Potential Ability to Qualify for Bank Credit by State, 2015........................................................................124

F.6 Bank Credit by MSA, 2015....................................................................................................................................................126

F.7 Applications and Potential Ability to Qualify for Bank Credit by MSA, 2015 ........................................................................128

G. How Households Conduct Their Financial Transactions in a Typical Month

G.1 All Methods Used to Pay Bills in a Typical Month by Banking Status, 2015 .......................................................................130

G.2 Primary Method Used to Pay Bills in a Typical Month by Banking Status, 2015.................................................................131

G.3 All Methods Used to Receive Income in a Typical Month by Banking Status, 2015 ...........................................................132

G.4 All Methods Used to Pay Bills in a Typical Month by Income, 2015....................................................................................133

G.5 Primary Method Used to Pay Bills in a Typical Month by Income, 2015 .............................................................................134

G.6 All Methods Used to Receive Income in a Typical Month by Income, 2015........................................................................135

G.7 All Methods Used to Pay Bills in a Typical Month by Education, 2015................................................................................136

G.8 Primary Method Used to Pay Bills in a Typical Month by Education, 2015 .........................................................................137

G.9 All Methods Used to Receive Income in a Typical Month by Education, 2015....................................................................138

G.10 All Methods Used to Pay Bills in a Typical Month by Age, 2015........................................................................................139

G.11 Primary Method Used to Pay Bills in a Typical Month by Age, 2015.................................................................................140

G.12 All Methods Used to Receive Income in a Typical Month by Age, 2015............................................................................141

G.13 All Methods Used to Pay Bills in a Typical Month by Race/Ethnicity, 2015.......................................................................142

G.14 Primary Method Used to Pay Bills in a Typical Month by Race/Ethnicity, 2015 ................................................................143

G.15 All Methods Used to Receive Income in a Typical Month by Race/Ethnicity, 2015...........................................................144
 

A.1 Banking Status by Household Characteristics, 2015 

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 

Family income 

127,538 100.0 7.0 19.9 68.0 5.0 

Less than $15,000 18,046 100.0 25.6 24.3 45.1 4.9 

$15,000 to $30,000 21,392 100.0 11.8 23.6 59.5 5.1 

$30,000 to $50,000 25,336 100.0 5.0 23.7 66.2 5.1 

$50,000 to $75,000 23,003 100.0 1.6 20.2 73.0 5.1 

At least $75,000 

Education 

39,761 100.0 0.5 13.4 81.3 4.9 

No high school diploma 13,802 100.0 23.2 25.9 46.4 4.5 

High school diploma 33,239 100.0 9.7 22.2 62.9 5.3 

Some college 37,512 100.0 5.5 22.0 67.7 4.8 

College degree 

Age group 

42,985 100.0 1.1 14.5 79.1 5.2 

15 to 24 years 6,648 100.0 13.1 29.4 52.1 5.5 

25 to 34 years 21,005 100.0 10.6 24.5 60.8 4.0 

35 to 44 years 21,640 100.0 8.9 22.7 63.1 5.3 

45 to 54 years 23,773 100.0 6.7 21.1 67.5 4.8 

55 to 64 years 23,981 100.0 5.8 18.5 70.9 4.8 

65 years or more 

Race/Ethnicity 

30,491 100.0 3.1 13.0 78.1 5.8 

Black 17,961 100.0 18.2 31.1 45.5 5.2 

Hispanic 16,106 100.0 16.2 29.3 48.9 5.6 

Asian 6,275 100.0 4.0 21.0 67.2 7.8 

White 85,428 100.0 3.1 15.6 76.6 4.7 

Other 

Disability status 

1,768 100.0 11.1 27.5 56.7 4.6 

Disabled, age 25 to 64 11,497 100.0 17.6 28.4 49.7 4.3 

Not disabled, age 25 to 64 78,902 100.0 6.5 20.6 68.1 4.8 

Not applicable (not age 25 to 64) 

Employment status 

37,139 100.0 4.9 15.9 73.4 5.7 

Employed 78,152 100.0 5.0 21.4 68.7 5.0 

Unemployed 3,869 100.0 23.0 24.8 48.6 3.7 

Not in labor force 

Homeownership 

45,517 100.0 9.2 17.1 68.5 5.3 

Homeowner 80,685 100.0 2.3 15.4 77.4 4.9 

Non-homeowner 46,853 100.0 15.2 27.7 51.8 5.3 

1 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

A.1 Banking Status by Household Characteristics, 2015 

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) 

Household type 

Married couple 

Unmarried female-headed family 

Unmarried male-headed family 

Female individual 

Male individual 

Other 

Nativity 

U.S.-born 

Foreign-born citizen 

Foreign-born non-citizen 

Spanish only language 

spoken 

Spanish is not only language 

spoken 

Spanish is only language spoken 

Metropolitan status 

Metropolitan area - principal city 

Metropolitan area - balance 

Not in metropolitan area 

Not identified 

Geographic region 

Northeast 

Midwest 

South 

West 

Monthly income volatility 

Income was about the same 

each month 

Income varied somewhat from 

month to month 

Income varied a lot from month 

to month 

Unknown 

59,549 

15,998 

6,143 

23,474 

22,100 

NA 

108,671 

9,728 

9,140 

124,675 

2,863 

36,531 

54,619 

17,895 

18,494 

22,699 

27,625 

48,382 

28,832 

91,549 

20,839 

5,781 

9,370 

100.0 

100.0 

100.0 

100.0 

100.0 

NA 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

3.3 

16.2 

9.8 

6.8 

9.8 

NA 

6.1 

4.6 

20.3 

6.5 

31.0 

10.3 

5.2 

7.6 

5.4 

6.3 

5.7 

8.7 

5.9 

5.7 

8.7 

12.9 

12.7 

17.6 

29.1 

27.0 

18.1 

19.6 

NA 

18.4 

25.6 

32.5 

19.7 

29.1 

23.2 

17.5 

21.4 

19.2 

19.3 

17.5 

21.6 

19.9 

19.1 

26.6 

30.9 

6.3 

74.4 

49.6 

57.3 

69.5 

65.5 

NA 

70.7 

62.9 

41.2 

68.8 

33.9 

60.8 

72.0 

67.3 

71.2 

67.9 

72.5 

65.0 

68.9 

74.4 

64.0 

55.2 

22.2 

4.7 

5.1 

5.8 

5.5 

5.1 

NA 

4.8 

6.8 

6.1 

5.0 

6.0 

5.7 

5.3 

3.6 

4.2 

6.4 

4.3 

4.7 

5.3 

0.8 

0.6 

1.0 

58.8 

NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than 

zero. Estimates do not always reconcile to totals because of rounding. 

2 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

A.2 Distribution of Households by Characteristics and Year, 2011-2015 

For all households, column percent 

Characteristics 2011 (Percent) 2013 (Percent) 2015 (Percent) 

Number of Households (1000s) 120,408 123,750 127,538 

Percent of Households 

Family income 

100.0 100.0 100.0 

Less than $15,000 16.2 15.4 14.1 

$15,000 to $30,000 18.3 17.6 16.8 

$30,000 to $50,000 20.6 19.8 19.9 

$50,000 to $75,000 18.3 18.2 18.0 

At least $75,000 

Education 

26.6 29.0 31.2 

No high school diploma 11.9 11.2 10.8 

High school diploma 28.6 27.2 26.1 

Some college 28.2 29.1 29.4 

College degree 

Age group 

31.2 32.5 33.7 

15 to 24 years 5.2 5.0 5.2 

25 to 34 years 16.9 16.5 16.5 

35 to 44 years 17.8 17.3 17.0 

45 to 54 years 20.5 19.8 18.6 

55 to 64 years 18.3 18.4 18.8 

65 years or more 

Race/Ethnicity 

21.3 22.9 23.9 

Black 13.3 13.6 14.1 

Hispanic 11.4 12.1 12.6 

Asian 4.1 4.8 4.9 

White 69.8 68.1 67.0 

Other 

Disability status 

1.4 1.4 1.4 

Disabled, age 25 to 64 9.1 8.8 9.0 

Not disabled, age 25 to 64 64.4 63.3 61.9 

Not applicable (not age 25 to 64) 

Employment status 

26.5 28.0 29.1 

Employed 60.3 61.1 61.3 

Unemployed 5.6 4.4 3.0 

Not in labor force 

Homeownership 

34.1 34.5 35.7 

Homeowner 65.7 64.8 63.3 

Non-homeowner 34.3 35.2 36.7 

3 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

A.2 Distribution of Households by Characteristics and Year, 2011-2015 

For all households, column percent 

Characteristics 2011 (Percent) 2013 (Percent) 2015 (Percent) 

Household type 

Married couple 47.8 47.8 46.7 

Unmarried female-headed family 12.9 12.8 12.5 

Unmarried male-headed family 4.7 5.1 4.8 

Female individual 18.0 17.9 18.4 

Male individual 16.4 16.4 17.3 

Other 

Nativity 

0.1 0.1 0.2 

U.S.-born 86.5 86.0 85.2 

Foreign-born citizen 7.0 7.5 7.6 

Foreign-born non-citizen 

Spanish only language spoken 

6.5 6.5 7.2 

Spanish is not only language spoken 98.0 97.9 97.8 

Spanish is only language spoken 

Metropolitan status 

2.0 2.1 2.2 

Metropolitan area - principal city 27.9 27.9 28.6 

Metropolitan area - balance 41.2 41.4 42.8 

Not in metropolitan area 15.9 15.6 14.0 

Not identified 

Geographic region 

15.0 15.1 14.5 

Northeast 18.1 17.9 17.8 

Midwest 22.3 22.1 21.7 

South 37.3 37.8 37.9 

West 

Monthly income volatility 

22.3 22.2 22.6 

Income was about the same each month 71.8 

Income varied somewhat from month to month 16.3 

Income varied a lot from month to month 4.5 

Unknown 7.3 

Monthly income volatility is not available in years 2013 and earlier. NA indicates that the sample size is too small to produce a precise estimate. - indicates an 

estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding. 

4 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

A.3 Unbanked Rates by Household Characteristics, 2011-2015 

For all households 

Characteristics 2011 

(Percent) 

2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

All 

Family income 

8.2 7.7 7.0 (6.8, 7.3) -0.7* (-1.1, -0.3) 

Less than $15,000 28.2 27.7 25.6 (24.3, 27.0) -2.1* (-3.6, -0.5) 

$15,000 to $30,000 11.7 11.4 11.8 (11.1, 12.7) 0.5 (-0.6, 1.6) 

$30,000 to $50,000 4.9 5.1 5.0 (4.5, 5.5) -0.1 (-0.9, 0.7) 

$50,000 to $75,000 2.0 1.7 1.6 (1.3, 2.0) -0.1 (-0.6, 0.3) 

At least $75,000 

Education 

0.4 0.5 0.5 (0.4, 0.6) -0.1 (-0.3, 0.1) 

No high school diploma 25.8 25.1 23.2 (21.8, 24.6) -1.9 (-3.8, 0.1) 

High school diploma 10.9 10.8 9.7 (9.1, 10.3) -1.2* (-2.0, -0.3) 

Some college 5.9 5.6 5.5 (5.0, 6.0) -0.1 (-0.7, 0.6) 

College degree 

Age group 

1.1 1.1 1.1 (1.0, 1.4) 0.0 (-0.2, 0.3) 

15 to 24 years 17.4 15.7 13.1 (11.6, 14.7) -2.7* (-5.0, -0.4) 

25 to 34 years 12.7 12.5 10.6 (9.9, 11.4) -1.8* (-3.0, -0.6) 

35 to 44 years 9.3 9.0 8.9 (8.3, 9.7) -0.1 (-1.1, 1.0) 

45 to 54 years 8.1 7.5 6.7 (6.0, 7.4) -0.9 (-1.8, 0.0) 

55 to 64 years 5.5 5.6 5.8 (5.3, 6.4) 0.2 (-0.5, 1.0) 

65 years or more 

Race/Ethnicity 

3.9 3.5 3.1 (2.7, 3.5) -0.4 (-1.0, 0.2) 

Black 21.4 20.6 18.2 (16.9, 19.5) -2.4* (-4.2, -0.6) 

Hispanic 20.1 17.9 16.2 (15.1, 17.4) -1.7* (-3.4, 0.0) 

Asian 2.7 2.2 4.0 (3.1, 5.1) 1.8* (0.7, 2.9) 

White 4.0 3.6 3.1 (2.9, 3.3) -0.5* (-0.8, -0.2) 

Other 

Disability status 

13.0 15.0 11.1 (9.0, 13.6) -3.9* (-7.6, -0.2) 

Disabled, age 25 to 64 18.9 18.4 17.6 (16.3, 19.0) -0.8 (-2.6, 1.1) 

Not disabled, age 25 to 64 7.4 7.2 6.5 (6.2, 6.9) -0.7* (-1.2, -0.2) 

Not applicable (not age 25 to 64) 

Employment status 

6.5 5.7 4.9 (4.5, 5.3) -0.8* (-1.4, -0.2) 

Employed 5.3 5.4 5.0 (4.7, 5.3) -0.5* (-1.0, 0.0) 

Unemployed 22.5 23.0 23.0 (20.4, 25.8) -0.1 (-3.1, 3.0) 

Not in labor force 

Homeownership 

11.0 9.9 9.2 (8.7, 9.8) -0.6 (-1.3, 0.0) 

Homeowner 2.8 2.6 2.3 (2.1, 2.5) -0.2 (-0.5, 0.0) 

Non-homeowner 18.5 17.3 15.2 (14.5, 15.9) -2.1* (-3.1, -1.1) 

5 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

A.3 Unbanked Rates by Household Characteristics, 2011-2015 

For all households 

Characteristics 2011 

(Percent) 

2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

Household type 

Married couple 

Unmarried female-headed family 

Unmarried male-headed family 

Female individual 

Male individual 

Other 

Nativity 

U.S.-born 

Foreign-born citizen 

Foreign-born non-citizen 

Spanish only language spoken 

Spanish is not only language spoken 

Spanish is only language spoken 

Metropolitan status 

Metropolitan area - principal city 

Metropolitan area - balance 

Not in metropolitan area 

Not identified 

Geographic region 

Northeast 

Midwest 

South 

West 

3.7 

19.1 

14.3 

7.8 

11.4 

NA 

7.4 

5.4 

22.2 

7.6 

36.9 

12.1 

5.6 

9.2 

7.2 

7.1 

7.1 

10.0 

7.2 

3.4 

18.4 

13.2 

7.4 

10.7 

NA 

6.9 

4.7 

22.7 

7.1 

34.9 

11.4 

5.5 

8.5 

6.4 

6.8 

6.4 

9.2 

7.4 

3.3 

16.2 

9.8 

6.8 

9.8 

NA 

6.1 

4.6 

20.3 

6.5 

31.0 

10.3 

5.2 

7.6 

5.4 

6.3 

5.7 

8.7 

5.9 

(3.0, 3.6) 

(15.0, 17.4) 

(8.5, 11.3) 

(6.2, 7.5) 

(9.1, 10.6) 

NA 

(5.8, 6.4) 

(3.8, 5.6) 

(18.6, 22.0) 

(6.2, 6.8) 

(27.7, 34.5) 

(9.6, 11.0) 

(4.8, 5.7) 

(6.9, 8.4) 

(4.8, 6.0) 

(5.6, 7.1) 

(5.2, 6.3) 

(8.2, 9.3) 

(5.4, 6.5) 

-0.1 

-2.2* 

-3.3* 

-0.5 

-0.8 

NA 

-0.7* 

-0.1 

-2.5 

-0.7* 

-3.9 

-1.2* 

-0.3 

-0.8 

-1.0* 

-0.4 

-0.7 

-0.4 

-1.5* 

(-0.5, 0.2) 

(-3.8, -0.6) 

(-5.5, -1.2) 

(-1.4, 0.3) 

(-1.9, 0.2) 

NA 

(-1.1, -0.3) 

(-1.2, 1.0) 

(-5.0, 0.0) 

(-1.1, -0.3) 

(-8.9, 1.0) 

(-2.1, -0.2) 

(-0.8, 0.3) 

(-1.9, 0.2) 

(-1.9, -0.1) 

(-1.4, 0.5) 

(-1.4, 0.1) 

(-1.1, 0.2) 

(-2.3, -0.6) 

* indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an 

estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding. 

6 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

A.4 Underbanked Rates by Household Characteristics, 2013-2015 

For all households 

Characteristics 2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

All 

Family income 

20.0 19.9 (19.5, 20.4) -0.1 (-0.6, 0.5) 

Less than $15,000 22.4 24.3 (23.2, 25.5) 2.0* (0.5, 3.5) 

$15,000 to $30,000 25.0 23.6 (22.6, 24.6) -1.4* (-2.8, -0.1) 

$30,000 to $50,000 23.3 23.7 (22.8, 24.8) 0.5 (-1.0, 1.9) 

$50,000 to $75,000 19.8 20.2 (19.3, 21.2) 0.5 (-0.7, 1.6) 

At least $75,000 

Education 

13.6 13.4 (12.8, 14.0) -0.2 (-1.1, 0.6) 

No high school diploma 24.1 25.9 (24.7, 27.2) 1.8* (0.1, 3.5) 

High school diploma 21.9 22.2 (21.3, 23.0) 0.3 (-0.9, 1.4) 

Some college 23.0 22.0 (21.2, 22.8) -1.1 (-2.2, 0.1) 

College degree 

Age group 

14.3 14.5 (13.9, 15.1) 0.2 (-0.6, 1.0) 

15 to 24 years 30.8 29.4 (27.3, 31.7) -1.4 (-4.4, 1.6) 

25 to 34 years 24.7 24.5 (23.4, 25.6) -0.2 (-1.8, 1.5) 

35 to 44 years 23.8 22.7 (21.7, 23.6) -1.2 (-2.6, 0.2) 

45 to 54 years 21.9 21.1 (20.1, 22.1) -0.8 (-2.1, 0.4) 

55 to 64 years 17.7 18.5 (17.7, 19.5) 0.8 (-0.4, 2.1) 

65 years or more 

Race/Ethnicity 

11.6 13.0 (12.4, 13.7) 1.4* (0.5, 2.4) 

Black 33.2 31.1 (29.6, 32.7) -2.0 (-4.1, 0.1) 

Hispanic 28.6 29.3 (27.7, 30.8) 0.7 (-1.4, 2.8) 

Asian 17.7 21.0 (18.9, 23.3) 3.3* (0.4, 6.3) 

White 15.9 15.6 (15.1, 16.1) -0.3 (-1.0, 0.4) 

Other 

Disability status 

25.3 27.5 (24.5, 30.8) 2.2 (-2.3, 6.7) 

Disabled, age 25 to 64 28.1 28.4 (27.1, 29.8) 0.3 (-1.6, 2.3) 

Not disabled, age 25 to 64 21.1 20.6 (20.0, 21.2) -0.5 (-1.3, 0.3) 

Not applicable (not age 25 to 64) 

Employment status 

15.1 15.9 (15.3, 16.6) 0.9 (0.0, 1.8) 

Employed 21.7 21.4 (20.8, 22.0) -0.3 (-1.1, 0.4) 

Unemployed 25.3 24.8 (22.3, 27.4) -0.5 (-3.8, 2.8) 

Not in labor force 

Homeownership 

16.3 17.1 (16.4, 17.7) 0.7 (-0.1, 1.6) 

Homeowner 15.5 15.4 (14.9, 15.9) -0.1 (-0.8, 0.5) 

Non-homeowner 28.2 27.7 (26.9, 28.6) -0.5 (-1.6, 0.6) 

7 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

A.4 Underbanked Rates by Household Characteristics, 2013-2015 

For all households 

Characteristics 2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

Household type 

Married couple 

Unmarried female-headed family 

Unmarried male-headed family 

Female individual 

Male individual 

Other 

Nativity 

U.S.-born 

Foreign-born citizen 

Foreign-born non-citizen 

Spanish only language spoken 

Spanish is not only language 

spoken 

Spanish is only language spoken 

Metropolitan status 

Metropolitan area - principal city 

Metropolitan area - balance 

Not in metropolitan area 

Not identified 

Geographic region 

Northeast 

Midwest 

South 

West 

17.7 

29.2 

28.3 

17.2 

20.0 

NA 

19.1 

24.0 

28.0 

19.9 

23.7 

22.3 

17.8 

21.0 

20.8 

19.3 

16.9 

23.5 

17.6 

17.6 

29.1 

27.0 

18.1 

19.6 

NA 

18.4 

25.6 

32.5 

19.7 

29.1 

23.2 

17.5 

21.4 

19.2 

19.3 

17.5 

21.6 

19.9 

(17.0, 18.2) 

(27.8, 30.4) 

(25.1, 29.0) 

(17.3, 19.0) 

(18.6, 20.6) 

NA 

(17.9, 18.8) 

(23.8, 27.5) 

(30.4, 34.6) 

(19.3, 20.2) 

(26.1, 32.4) 

(22.3, 24.1) 

(16.9, 18.2) 

(20.1, 22.8) 

(18.0, 20.4) 

(18.3, 20.3) 

(16.6, 18.5) 

(20.9, 22.3) 

(19.1, 20.8) 

-0.2 

-0.1 

-1.2 

0.9 

-0.4 

NA 

-0.7* 

1.7 

4.5* 

-0.2 

5.5* 

0.9 

-0.3 

0.5 

-1.6* 

0.0 

0.6 

-1.9* 

2.3* 

(-1.0, 0.6) 

(-2.0, 1.8) 

(-4.2, 1.8) 

(-0.4, 2.3) 

(-1.8, 0.9) 

NA 

(-1.3, 0.0) 

(-0.8, 4.1) 

(1.8, 7.1) 

(-0.8, 0.4) 

(0.9, 10.0) 

(-0.2, 2.1) 

(-1.1, 0.5) 

(-1.3, 2.2) 

(-3.1, -0.1) 

(-1.3, 1.3) 

(-0.6, 1.8) 

(-3.0, -0.9) 

(1.1, 3.5) 

* indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an 

estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding. 

8 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

A.5 Fully Banked Rates by Household Characteristics, 2013-2015 

For all households 

Characteristics 2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

All 

Family income 

67.0 68.0 (67.5, 68.5) 1.0* (0.3, 1.7) 

Less than $15,000 45.2 45.1 (43.7, 46.5) -0.1 (-1.8, 1.7) 

$15,000 to $30,000 57.9 59.5 (58.3, 60.6) 1.5 (-0.1, 3.2) 

$30,000 to $50,000 65.7 66.2 (65.1, 67.2) 0.4 (-1.1, 2.0) 

$50,000 to $75,000 73.2 73.0 (71.9, 74.1) -0.2 (-1.6, 1.2) 

At least $75,000 

Education 

81.0 81.3 (80.5, 81.9) 0.3 (-0.7, 1.3) 

No high school diploma 46.3 46.4 (44.8, 48.0) 0.1 (-2.1, 2.3) 

High school diploma 61.7 62.9 (61.9, 63.9) 1.2 (-0.2, 2.6) 

Some college 66.2 67.7 (66.8, 68.6) 1.5* (0.2, 2.8) 

College degree 

Age group 

79.3 79.1 (78.4, 79.9) -0.1 (-1.1, 0.9) 

15 to 24 years 48.8 52.1 (49.7, 54.4) 3.2 (0.0, 6.5) 

25 to 34 years 58.3 60.8 (59.5, 62.2) 2.5* (0.7, 4.4) 

35 to 44 years 62.5 63.1 (62.1, 64.2) 0.6 (-0.9, 2.1) 

45 to 54 years 65.4 67.5 (66.4, 68.6) 2.1* (0.6, 3.6) 

55 to 64 years 71.7 70.9 (69.8, 71.9) -0.9 (-2.4, 0.6) 

65 years or more 

Race/Ethnicity 

78.2 78.1 (77.3, 78.9) -0.1 (-1.2, 1.0) 

Black 40.0 45.5 (43.9, 47.0) 5.5* (3.3, 7.6) 

Hispanic 48.4 48.9 (47.2, 50.6) 0.5 (-1.8, 2.8) 

Asian 73.4 67.2 (64.6, 69.7) -6.3* (-9.8, -2.8) 

White 75.4 76.6 (76.1, 77.2) 1.2* (0.4, 2.0) 

Other 

Disability status 

55.2 56.7 (53.2, 60.2) 1.6 (-3.8, 6.9) 

Disabled, age 25 to 64 49.0 49.7 (48.2, 51.3) 0.7 (-1.6, 3.0) 

Not disabled, age 25 to 64 66.8 68.1 (67.5, 68.8) 1.3* (0.4, 2.1) 

Not applicable (not age 25 to 64) 

Employment status 

72.9 73.4 (72.6, 74.2) 0.5 (-0.6, 1.7) 

Employed 67.8 68.7 (68.1, 69.4) 0.9* (0.0, 1.7) 

Unemployed 47.8 48.6 (45.7, 51.5) 0.7 (-3.0, 4.4) 

Not in labor force 

Homeownership 

67.9 68.5 (67.7, 69.3) 0.5 (-0.6, 1.6) 

Homeowner 76.7 77.4 (76.8, 78.0) 0.7 (0.0, 1.5) 

Non-homeowner 49.2 51.8 (50.9, 52.7) 2.6* (1.3, 3.9) 

9 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

A.5 Fully Banked Rates by Household Characteristics, 2013-2015 

For all households 

Characteristics 2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

Household type 

Married couple 

Unmarried female-headed family 

Unmarried male-headed family 

Female individual 

Male individual 

Other 

Nativity 

U.S.-born 

Foreign-born citizen 

Foreign-born non-citizen 

Spanish only language spoken 

Spanish is not only language 

spoken 

Spanish is only language spoken 

Metropolitan status 

Metropolitan area - principal city 

Metropolitan area - balance 

Not in metropolitan area 

Not identified 

Geographic region 

Northeast 

Midwest 

South 

West 

73.9 

47.5 

53.7 

69.4 

63.7 

NA 

69.0 

64.6 

43.9 

67.6 

38.1 

60.8 

71.1 

66.1 

68.1 

68.4 

71.4 

62.1 

69.6 

74.4 

49.6 

57.3 

69.5 

65.5 

NA 

70.7 

62.9 

41.2 

68.8 

33.9 

60.8 

72.0 

67.3 

71.2 

67.9 

72.5 

65.0 

68.9 

(73.7, 75.2) 

(48.0, 51.2) 

(54.9, 59.6) 

(68.5, 70.5) 

(64.4, 66.7) 

NA 

(70.2, 71.3) 

(60.9, 64.9) 

(39.1, 43.2) 

(68.3, 69.3) 

(30.6, 37.3) 

(59.8, 61.9) 

(71.2, 72.7) 

(65.6, 68.9) 

(69.9, 72.5) 

(66.7, 69.1) 

(71.4, 73.5) 

(64.1, 65.8) 

(67.7, 69.9) 

0.6 

2.1 

3.6* 

0.1 

1.9* 

NA 

1.8* 

-1.7 

-2.7 

1.2* 

-4.2 

0.0 

0.9 

1.2 

3.1* 

-0.5 

1.0 

2.9* 

-0.8 

(-0.3, 1.5) 

(0.0, 4.3) 

(0.2, 6.9) 

(-1.4, 1.6) 

(0.2, 3.6) 

NA 

(1.0, 2.5) 

(-4.3, 1.0) 

(-5.5, 0.1) 

(0.5, 1.9) 

(-9.2, 0.8) 

(-1.4, 1.4) 

(-0.1, 1.9) 

(-0.7, 3.2) 

(1.4, 4.8) 

(-2.0, 1.0) 

(-0.4, 2.5) 

(1.7, 4.0) 

(-2.3, 0.7) 

* indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an 

estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding. 

10 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

 

A.6 Monthly Income Volatility by Level of Income, 2015 

For all households, row percent 

Characteristics 

Number of 

Households 

(1000s) 

Percent of 

Households 

Income 

was about 

the same 

each month 

(Percent) 

Income 

varied 

somewhat 

from month 

to month 

(Percent) 

Income 

varied a lot 

from month 

to month 

(Percent) 

Unknown 

(Percent) 

All 

Family income 

Less than $15,000 

$15,000 to $30,000 

$30,000 to $50,000 

$50,000 to $75,000 

At least $75,000 

127,538 

18,046 

21,392 

25,336 

23,003 

39,761 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

71.8 

69.2 

71.1 

71.0 

71.6 

74.0 

16.3 

14.1 

16.1 

17.5 

17.4 

16.1 

4.5 

7.5 

4.8 

4.3 

4.0 

3.5 

7.3 

9.2 

8.0 

7.3 

7.0 

6.4 

NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than 

zero. Estimates do not always reconcile to totals because of rounding. 

A.7 Banking Status by State, 2015 

For all households, row percent 

Geography 

Number of 

Households 

(1000s) 

Percent of 

Households 

Unbanked 

(Percent) 

Banked: 

Underbanked 

(Percent) 

Banked: 

Fully banked 

(Percent) 

Banked: 

Underbanked 

status unknown 

(Percent) 

All 127,538 100.0 7.0 19.9 68.0 5.0 

State 

AL 2,130 100.0 12.5 23.9 60.5 3.2 

AK 282 100.0 3.5 26.1 65.5 4.8 

AZ 2,754 100.0 8.5 18.5 68.3 4.7 

AR 1,213 100.0 9.7 22.6 63.1 4.6 

CA 14,384 100.0 6.2 19.1 68.2 6.5 

CO 2,217 100.0 4.4 19.1 73.8 2.7 

CT 1,446 100.0 6.2 14.8 73.3 5.7 

DE 386 100.0 4.8 15.4 72.1 7.7 

DC 314 100.0 10.8 25.4 60.5 3.3 

FL 8,455 100.0 5.9 17.7 68.9 7.5 

GA 3,925 100.0 11.9 24.6 60.8 2.8 

HI 490 100.0 2.4 17.4 74.2 5.9 

ID 620 100.0 3.6 23.1 71.6 1.7 

IL 5,082 100.0 7.1 14.3 74.0 4.6 

IN 2,697 100.0 4.8 18.2 74.2 2.8 

IA 1,328 100.0 4.2 18.2 70.7 6.9 

KS 1,163 100.0 7.6 18.3 71.0 3.1 

KY 1,815 100.0 9.0 18.2 69.1 3.7 

LA 1,884 100.0 14.0 23.8 58.9 3.3 

ME 586 100.0 2.3 17.1 76.5 4.1 

MD 2,308 100.0 4.8 22.4 68.7 4.1 

11 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

 

A.7 Banking Status by State, 2015 

For all households, row percent 

Geography 

Number of 

Households 

(1000s) 

Percent of 

Households 

Unbanked 

(Percent) 

Banked: 

Underbanked 

(Percent) 

Banked: 

Fully banked 

(Percent) 

Banked: 

Underbanked 

status unknown 

(Percent) 

MA 2,796 100.0 5.7 16.0 71.8 6.5 

MI 4,071 100.0 6.0 19.8 70.2 4.0 

MN 2,353 100.0 3.4 14.3 79.5 2.8 

MS 1,180 100.0 12.6 25.5 59.0 2.9 

MO 2,417 100.0 8.5 22.3 65.0 4.2 

MT 442 100.0 4.0 13.3 76.7 6.0 

NE 746 100.0 5.1 21.1 68.1 5.7 

NV 1,212 100.0 8.9 27.3 59.5 4.3 

NH 543 100.0 1.8 18.2 76.9 3.0 

NJ 3,452 100.0 7.4 15.6 71.3 5.7 

NM 806 100.0 9.4 26.9 59.6 4.1 

NY 7,986 100.0 8.0 23.8 59.4 8.8 

NC 4,018 100.0 7.7 20.6 66.2 5.5 

ND 320 100.0 3.0 20.8 71.8 4.4 

OH 4,710 100.0 5.8 17.5 71.3 5.3 

OK 1,603 100.0 11.0 26.4 60.6 2.0 

OR 1,610 100.0 5.1 20.5 67.8 6.6 

PA 5,194 100.0 4.7 18.8 72.1 4.4 

RI 433 100.0 5.0 16.1 74.5 4.5 

SC 1,993 100.0 8.9 23.4 65.1 2.6 

SD 332 100.0 4.2 19.8 73.0 3.0 

TN 2,863 100.0 10.8 19.2 66.1 4.0 

TX 10,291 100.0 9.4 23.7 62.5 4.5 

UT 980 100.0 3.9 20.9 73.0 2.2 

VT 265 100.0 1.5 12.8 81.3 4.3 

VA 3,225 100.0 4.6 19.7 70.8 4.9 

WA 2,784 100.0 4.1 20.7 71.9 3.3 

WV 779 100.0 8.0 17.5 68.7 5.8 

WI 2,405 100.0 3.4 15.6 77.2 3.8 

WY 251 100.0 2.4 20.5 73.5 3.6 

NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than 

zero. Estimates do not always reconcile to totals because of rounding. 

12 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

A.8 Unbanked Rates by State, 2011-2015 

For all households 

Geography 2011 

(Percent) 

2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

All 8.2 7.7 7.0 (6.8, 7.3) -0.7* (-1.1, -0.3) 

State 

AL 10.2 9.2 12.5 (10.3, 15.0) 3.2* (0.4, 6.1) 

AK 5.2 1.9 3.5 (1.8, 6.8) 1.6 (-1.2, 4.4) 

AZ 11.6 12.8 8.5 (6.4, 11.2) -4.2* (-8.3, -0.2) 

AR 12.3 12.3 9.7 (7.4, 12.6) -2.7 (-6.0, 0.7) 

CA 7.8 8.0 6.2 (5.4, 7.1) -1.8* (-3.0, -0.5) 

CO 5.4 6.4 4.4 (1.7, 10.6) -2.0 (-6.0, 1.9) 

CT 5.3 5.6 6.2 (4.2, 9.1) 0.6 (-2.3, 3.5) 

DE 6.7 6.1 4.8 (3.0, 7.5) -1.3 (-4.0, 1.5) 

DC 10.9 11.8 10.8 (9.0, 12.9) -0.9 (-4.2, 2.3) 

FL 7.3 6.2 5.9 (4.8, 7.3) -0.3 (-2.0, 1.4) 

GA 11.5 10.9 11.9 (10.0, 14.1) 1.0 (-1.6, 3.6) 

HI 3.8 3.8 2.4 (1.4, 4.1) -1.4 (-3.6, 0.8) 

ID 5.7 5.4 3.6 (2.4, 5.2) -1.8 (-4.5, 0.9) 

IL 7.6 7.4 7.1 (5.8, 8.7) -0.3 (-2.2, 1.6) 

IN 7.8 7.2 4.8 (3.0, 7.4) -2.5 (-5.3, 0.3) 

IA 4.4 4.5 4.2 (2.2, 8.0) -0.3 (-3.1, 2.5) 

KS 7.1 6.0 7.6 (5.6, 10.1) 1.6 (-1.0, 4.1) 

KY 9.9 9.7 9.0 (6.7, 12.0) -0.8 (-4.0, 2.5) 

LA 11.5 13.9 14.0 (11.3, 17.3) 0.2 (-3.6, 3.9) 

ME 3.7 2.4 2.3 (1.4, 3.7) -0.1 (-1.5, 1.4) 

MD 5.6 4.8 4.8 (3.1, 7.2) 0.0 (-2.4, 2.4) 

MA 4.9 5.8 5.7 (4.3, 7.7) -0.1 (-2.6, 2.5) 

MI 7.7 5.7 6.0 (4.7, 7.6) 0.3 (-1.7, 2.2) 

MN 4.1 3.6 3.4 (2.3, 5.0) -0.2 (-2.0, 1.6) 

MS 15.1 14.5 12.6 (10.6, 14.8) -2.0 (-5.6, 1.7) 

MO 9.5 8.9 8.5 (6.7, 10.7) -0.4 (-3.0, 2.1) 

MT 4.8 6.6 4.0 (2.6, 5.9) -2.7 (-6.3, 1.0) 

NE 3.7 5.7 5.1 (2.9, 8.7) -0.6 (-4.0, 2.7) 

NV 7.5 7.9 8.9 (6.7, 11.8) 1.0 (-2.0, 4.1) 

NH 1.9 2.9 1.8 (1.1, 2.9) -1.0 (-2.5, 0.4) 

NJ 6.6 8.2 7.4 (5.5, 9.8) -0.8 (-3.6, 2.0) 

NM 11.5 10.9 9.4 (7.3, 12.1) -1.5 (-5.9, 3.0) 

NY 9.6 8.5 8.0 (6.9, 9.3) -0.5 (-2.3, 1.3) 

NC 9.3 8.4 7.7 (5.9, 9.9) -0.8 (-3.1, 1.6) 

ND 5.3 2.8 3.0 (1.9, 4.8) 0.2 (-1.7, 2.2) 

OH 8.8 7.2 5.8 (4.4, 7.6) -1.3 (-3.5, 0.8) 

13 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

A.8 Unbanked Rates by State, 2011-2015 

For all households 

Geography 2011 

(Percent) 

2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

OK 10.9 10.9 11.0 (9.1, 13.2) 0.1 (-3.9, 4.0) 

OR 4.3 4.5 5.1 (3.6, 7.1) 0.6 (-1.5, 2.6) 

PA 6.1 5.2 4.7 (3.4, 6.6) -0.5 (-2.5, 1.5) 

RI 7.0 6.2 5.0 (3.2, 7.7) -1.3 (-4.1, 1.6) 

SC 9.3 10.5 8.9 (7.2, 11.1) -1.5 (-4.4, 1.3) 

SD 4.4 4.2 4.2 (1.1, 15.0) 0.0 (-5.3, 5.3) 

TN 10.9 9.7 10.8 (8.8, 13.2) 1.0 (-2.1, 4.2) 

TX 12.8 10.4 9.4 (8.2, 10.6) -1.1 (-2.9, 0.7) 

UT 2.8 3.3 3.9 (2.6, 5.8) 0.6 (-1.6, 2.8) 

VT 3.4 3.1 1.5 (0.8, 2.9) -1.5 (-3.3, 0.2) 

VA 6.6 6.5 4.6 (3.3, 6.4) -1.9 (-4.1, 0.3) 

WA 4.5 4.1 4.1 (3.1, 5.5) 0.0 (-1.7, 1.7) 

WV 9.5 11.0 8.0 (6.2, 10.2) -3.0 (-6.6, 0.5) 

WI 4.5 4.8 3.4 (2.4, 5.0) -1.3 (-3.3, 0.6) 

WY 5.8 5.6 2.4 (1.5, 4.0) -3.2* (-5.3, -1.1) 

* indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an 

estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding. 

14 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

A.9 Underbanked Rates by State, 2013-2015 

For all households 

Geography 2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

All 20.0 19.9 (19.5, 20.4) -0.1 (-0.6, 0.5) 

State 

AL 26.4 23.9 (20.5, 27.6) -2.6 (-7.8, 2.7) 

AK 19.3 26.1 (21.2, 31.8) 6.9* (0.8, 13.0) 

AZ 17.6 18.5 (16.0, 21.4) 1.0 (-3.6, 5.5) 

AR 25.7 22.6 (19.8, 25.8) -3.0 (-6.6, 0.5) 

CA 17.0 19.1 (17.8, 20.4) 2.0* (0.2, 3.9) 

CO 17.3 19.1 (16.0, 22.6) 1.7 (-2.2, 5.7) 

CT 14.4 14.8 (11.7, 18.6) 0.4 (-3.7, 4.5) 

DE 18.5 15.4 (12.4, 19.0) -3.1 (-7.2, 1.0) 

DC 24.8 25.4 (22.6, 28.4) 0.6 (-3.7, 4.8) 

FL 19.1 17.7 (15.9, 19.6) -1.4 (-3.9, 1.1) 

GA 26.9 24.6 (21.4, 28.0) -2.4 (-6.6, 1.8) 

HI 19.7 17.4 (14.4, 20.8) -2.3 (-6.5, 1.8) 

ID 19.0 23.1 (19.9, 26.8) 4.1 (-0.4, 8.7) 

IL 14.6 14.3 (12.5, 16.3) -0.3 (-2.7, 2.1) 

IN 17.6 18.2 (15.1, 21.7) 0.6 (-3.8, 5.0) 

IA 14.4 18.2 (15.8, 21.0) 3.8 (-0.1, 7.8) 

KS 22.9 18.3 (15.7, 21.3) -4.5* (-8.6, -0.5) 

KY 23.5 18.2 (14.8, 22.2) -5.3 (-11.0, 0.3) 

LA 24.5 23.8 (20.9, 26.8) -0.7 (-5.0, 3.5) 

ME 19.2 17.1 (14.3, 20.3) -2.1 (-6.2, 1.9) 

MD 23.9 22.4 (19.5, 25.7) -1.5 (-5.4, 2.5) 

MA 17.2 16.0 (13.4, 19.0) -1.2 (-5.0, 2.6) 

MI 18.1 19.8 (16.6, 23.4) 1.7 (-2.4, 5.7) 

MN 12.3 14.3 (11.3, 18.0) 2.0 (-1.8, 5.8) 

MS 32.8 25.5 (21.7, 29.8) -7.3* (-12.5, -2.0) 

MO 20.4 22.3 (19.3, 25.5) 1.8 (-2.7, 6.4) 

MT 17.0 13.3 (11.5, 15.5) -3.6 (-8.3, 1.1) 

NE 20.1 21.1 (17.7, 25.1) 1.0 (-4.2, 6.2) 

NV 24.7 27.3 (23.7, 31.2) 2.6 (-2.4, 7.5) 

NH 13.9 18.2 (15.5, 21.2) 4.3* (0.5, 8.1) 

NJ 19.6 15.6 (13.3, 18.3) -4.0* (-7.7, -0.3) 

NM 22.5 26.9 (23.0, 31.1) 4.4 (-1.2, 10.0) 

NY 19.6 23.8 (22.0, 25.6) 4.2* (1.8, 6.7) 

NC 21.5 20.6 (18.2, 23.1) -0.9 (-4.9, 3.1) 

ND 20.0 20.8 (16.1, 26.3) 0.8 (-5.0, 6.5) 

OH 20.0 17.5 (15.6, 19.7) -2.4 (-5.2, 0.4) 

15 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

A.9 Underbanked Rates by State, 2013-2015 

For all households 

Geography 2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

OK 22.2 26.4 (23.3, 29.8) 4.3 (-0.3, 8.8) 

OR 17.1 20.5 (17.5, 23.9) 3.4 (-0.6, 7.3) 

PA 22.2 18.8 (16.6, 21.3) -3.4* (-6.4, -0.4) 

RI 14.0 16.1 (12.8, 19.9) 2.0 (-2.5, 6.5) 

SC 25.6 23.4 (20.6, 26.5) -2.2 (-6.4, 1.9) 

SD 19.9 19.8 (16.3, 23.8) -0.1 (-4.8, 4.5) 

TN 18.7 19.2 (16.7, 21.9) 0.5 (-2.9, 3.9) 

TX 27.4 23.7 (22.1, 25.4) -3.7* (-6.2, -1.3) 

UT 13.0 20.9 (18.0, 24.2) 7.9* (3.8, 11.9) 

VT 16.2 12.8 (10.7, 15.3) -3.3* (-6.6, -0.1) 

VA 19.5 19.7 (16.9, 22.7) 0.2 (-3.7, 4.0) 

WA 17.2 20.7 (18.0, 23.7) 3.5 (-0.5, 7.5) 

WV 19.0 17.5 (14.8, 20.4) -1.6 (-5.6, 2.4) 

WI 10.4 15.6 (12.0, 19.9) 5.1* (0.6, 9.6) 

WY 21.8 20.5 (17.5, 23.8) -1.3 (-7.2, 4.5) 

* indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an 

estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding. 

16 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

A.10 Fully Banked Rates by State, 2013-2015 

For all households 

Geography 2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

All 67.0 68.0 (67.5, 68.5) 1.0* (0.3, 1.7) 

State 

AL 59.1 60.5 (56.4, 64.4) 1.3 (-4.7, 7.3) 

AK 70.6 65.5 (60.6, 70.1) -5.0 (-10.6, 0.5) 

AZ 65.1 68.3 (64.4, 71.9) 3.2 (-2.9, 9.2) 

AR 58.9 63.1 (58.8, 67.2) 4.2* (0.1, 8.3) 

CA 69.1 68.2 (66.5, 69.9) -0.9 (-3.1, 1.3) 

CO 72.5 73.8 (68.2, 78.8) 1.3 (-4.6, 7.2) 

CT 75.2 73.3 (69.3, 76.9) -1.9 (-6.7, 2.8) 

DE 68.1 72.1 (68.5, 75.4) 4.0 (-0.2, 8.3) 

DC 58.0 60.5 (57.0, 63.8) 2.5 (-2.2, 7.2) 

FL 65.1 68.9 (66.7, 71.0) 3.7* (0.7, 6.8) 

GA 57.5 60.8 (56.8, 64.6) 3.2 (-1.3, 7.8) 

HI 70.4 74.2 (70.5, 77.7) 3.8 (-1.3, 8.9) 

ID 72.4 71.6 (67.0, 75.8) -0.8 (-6.1, 4.6) 

IL 72.3 74.0 (71.4, 76.4) 1.7 (-1.4, 4.7) 

IN 72.1 74.2 (70.6, 77.5) 2.1 (-2.6, 6.8) 

IA 75.0 70.7 (64.6, 76.1) -4.3 (-11.2, 2.6) 

KS 68.6 71.0 (67.7, 74.1) 2.4 (-2.0, 6.9) 

KY 64.2 69.1 (63.7, 74.1) 4.9 (-2.2, 12.0) 

LA 58.3 58.9 (56.2, 61.7) 0.6 (-4.4, 5.6) 

ME 74.5 76.5 (72.7, 79.9) 2.1 (-2.5, 6.6) 

MD 68.0 68.7 (64.7, 72.4) 0.7 (-4.0, 5.4) 

MA 72.3 71.8 (68.4, 74.9) -0.6 (-5.3, 4.2) 

MI 69.0 70.2 (66.6, 73.6) 1.2 (-3.3, 5.7) 

MN 81.9 79.5 (75.4, 83.1) -2.4 (-6.7, 2.0) 

MS 49.5 59.0 (55.8, 62.1) 9.5* (5.4, 13.6) 

MO 66.5 65.0 (61.5, 68.4) -1.5 (-6.4, 3.5) 

MT 70.0 76.7 (72.9, 80.1) 6.7* (0.9, 12.5) 

NE 70.6 68.1 (64.5, 71.5) -2.5 (-7.4, 2.5) 

NV 62.1 59.5 (54.9, 63.9) -2.6 (-8.6, 3.5) 

NH 78.1 76.9 (73.6, 79.9) -1.2 (-5.5, 3.1) 

NJ 67.9 71.3 (68.2, 74.2) 3.3 (-0.3, 7.0) 

NM 62.1 59.6 (55.0, 64.0) -2.5 (-8.8, 3.9) 

NY 65.2 59.4 (57.2, 61.6) -5.7* (-8.6, -2.9) 

NC 63.7 66.2 (63.8, 68.5) 2.5 (-1.7, 6.8) 

ND 72.8 71.8 (67.6, 75.7) -1.0 (-6.5, 4.5) 

OH 65.0 71.3 (68.3, 74.0) 6.2* (2.5, 9.9) 

17 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

A.10 Fully Banked Rates by State, 2013-2015 

For all households 

Geography 2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

OK 63.2 60.6 (56.0, 65.1) -2.5 (-8.9, 3.8) 

OR 71.9 67.8 (64.2, 71.2) -4.1 (-8.8, 0.6) 

PA 67.3 72.1 (69.1, 74.9) 4.8* (1.1, 8.4) 

RI 72.6 74.5 (70.4, 78.2) 1.9 (-3.0, 6.9) 

SC 61.8 65.1 (62.1, 68.1) 3.3 (-0.7, 7.3) 

SD 72.1 73.0 (64.5, 80.1) 0.9 (-7.5, 9.2) 

TN 67.8 66.1 (62.3, 69.6) -1.8 (-6.4, 2.9) 

TX 58.9 62.5 (60.4, 64.5) 3.5* (0.5, 6.5) 

UT 81.5 73.0 (69.3, 76.3) -8.5* (-13.6, -3.5) 

VT 76.8 81.3 (78.4, 83.9) 4.5* (0.6, 8.5) 

VA 66.4 70.8 (66.9, 74.5) 4.4 (-0.1, 8.9) 

WA 73.4 71.9 (68.8, 74.8) -1.6 (-6.2, 3.0) 

WV 65.0 68.7 (66.1, 71.2) 3.7 (-0.9, 8.3) 

WI 80.7 77.2 (73.0, 80.8) -3.6 (-8.5, 1.4) 

WY 68.0 73.5 (69.1, 77.5) 5.5 (-0.8, 11.8) 

* indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an 

estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding. 

18 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

A.11 Banking Status by MSA, 2015 

For all households, row percent 

Geography 

Number of 

Households 

(1000s) 

Percent of 

Households 

Unbanked 

(Percent) 

Banked: 

Underbanked 

(Percent) 

Banked: 

Fully banked 

(Percent) 

Banked: 

Underbanked 

status unknown 

(Percent) 

All 127,538 100.0 7.0 19.9 68.0 5.0 

MSA 

Albuquerque, NM 372 100.0 8.6 21.6 67.1 2.7 

Atlanta-Sandy 

Springs-Roswell, GA~ 2,246 100.0 10.1 26.0 61.0 2.9 

Austin-Round Rock, TX 686 100.0 8.6 13.3 71.5 6.5 

Baltimore-Columbia-Towson, MD 974 100.0 5.9 21.1 66.9 6.1 

Baton Rouge, LA 314 100.0 14.3 23.5 55.9 6.3 

Billings, MT~ 58 100.0 8.6 11.2 79.5 0.8 

Birmingham-Hoover, AL 514 100.0 12.3 17.6 63.3 6.7 

Boise City, ID 222 100.0 2.6 16.7 79.5 1.3 

Boston-Cambridge-Newton, MA-NH~ 1,968 100.0 4.3 18.0 72.2 5.5 

Bridgeport-Stamford-Norwalk, CT~ 365 100.0 2.8 15.2 76.5 5.5 

Burlington-South Burlington, VT~ 92 100.0 1.7 11.2 83.3 3.8 

Charlotte-Concord-Gastonia, NC-SC~ 1,100 100.0 7.3 25.1 66.2 1.3 

Chicago-Naperville-Elgin, 

IL-IN-WI 3,707 100.0 8.1 14.3 71.7 6.0 

Cincinnati, OH-KY-IN~ 829 100.0 7.8 12.2 76.1 3.9 

Cleveland-Elyria, OH 924 100.0 11.0 8.5 76.0 4.4 

Columbia, SC 419 100.0 10.4 21.1 63.9 4.5 

Columbus, OH~ 811 100.0 1.4 26.3 67.6 4.7 

Dallas-Fort Worth-Arlington, TX~ 2,854 100.0 5.5 31.5 60.6 2.3 

Denver-Aurora-Lakewood, 

CO 1,206 100.0 5.2 16.2 75.9 2.7 

Detroit-Warren-Dearborn, 

MI 1,790 100.0 8.0 18.5 70.0 3.4 

Fargo, ND-MN 81 100.0 1.8 21.3 75.7 1.2 

Grand Rapids-Wyoming, 

MI~ 482 100.0 1.1 17.1 75.8 5.9 

Greenville-Anderson-Mauldin, SC~ 353 100.0 6.1 27.6 65.3 0.9 

Hartford-West Hartford-East Hartford, CT~ 483 100.0 9.3 16.3 71.9 2.5 

Houston-The Woodlands-Sugar Land, TX~ 2,593 100.0 10.4 21.2 60.2 8.2 

Indianapolis-Carmel-Anderson, IN~ 857 100.0 8.5 21.3 66.4 3.9 

Jackson, MS~ 241 100.0 12.5 25.4 58.3 3.7 

Kansas City, MO-KS~ 822 100.0 5.0 22.1 69.1 3.9 

Las Vegas-Henderson-Paradise, NV 910 100.0 10.1 29.1 55.1 5.7 

19 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

A.11 Banking Status by MSA, 2015 

For all households, row percent 

Geography 

Number of 

Households 

(1000s) 

Percent of 

Households 

Unbanked 

(Percent) 

Banked: 

Underbanked 

(Percent) 

Banked: 

Fully banked 

(Percent) 

Banked: 

Underbanked 

status unknown 

(Percent) 

Little Rock-North Little 

Rock-Conway, AR 325 100.0 11.2 25.5 62.7 0.5 

Los Angeles-Long 

Beach-Anaheim, CA 4,843 100.0 8.6 19.7 61.7 10.1 

Louisville/Jefferson County, KY-IN~ 485 100.0 10.1 17.7 71.6 0.6 

Manchester-Nashua, NH~ 126 100.0 4.3 21.4 73.5 0.7 

Memphis, TN-MS-AR~ 521 100.0 17.2 21.0 54.5 7.2 

Miami-Fort Lauderdale-West Palm Beach, FL 2,582 100.0 7.4 18.0 65.9 8.7 

Milwaukee-Waukesha-West Allis, WI 671 100.0 7.1 14.2 75.4 3.3 

Minneapolis-St. 

Paul-Bloomington, MN­ 1,398 100.0 4.5 13.7 77.6 4.1 

WI~ 

Nashville-Davidson--Murfreesboro--Franklin, TN~ 868 100.0 9.9 16.5 71.2 2.4 

New Haven-Milford, CT~ 371 100.0 9.2 10.3 68.5 12.0 

New Orleans-Metairie, LA~ 548 100.0 17.4 16.5 64.8 1.3 

New York-Newark-Jersey 

City, NY-NJ-PA~ 8,088 100.0 8.9 21.0 60.8 9.3 

Oklahoma City, OK 563 100.0 13.3 26.7 58.6 1.4 

Omaha-Council Bluffs, 

NE-IA 340 100.0 2.9 27.2 63.9 6.0 

Orlando-Kissimmee-Sanford, FL 1,030 100.0 4.3 22.8 61.6 11.3 

Philadelphia-Camden-Wilmington, PA-NJ­ 2,415 100.0 4.1 19.0 73.0 3.9 

DE-MD 

Phoenix-Mesa-Scottsdale, 

AZ 1,771 100.0 10.6 17.3 65.8 6.3 

Pittsburgh, PA 1,100 100.0 7.3 22.7 67.4 2.6 

Portland-South Portland, 

ME~ 209 100.0 1.8 17.8 71.7 8.7 

Portland-Vancouver-Hillsboro, OR-WA 975 100.0 5.0 18.6 67.4 8.9 

Providence-Warwick, 

RI-MA~ 637 100.0 5.7 15.8 68.1 10.4 

Richmond, VA~ 527 100.0 7.2 10.8 77.2 4.9 

Riverside-San Bernardino-Ontario, CA 1,482 100.0 8.2 19.8 68.5 3.5 

Sacramento--Roseville--Arden-Arcade, CA 953 100.0 3.5 16.7 76.3 3.5 

St. Louis, MO-IL~ 1,287 100.0 8.0 16.2 71.5 4.2 

Salisbury, MD-DE~ 146 100.0 10.7 9.8 75.2 4.3 

Salt Lake City, UT~ 451 100.0 2.0 21.9 73.6 2.5 

San Antonio-New 

Braunfels, TX 939 100.0 11.3 31.3 54.3 3.1 

San Diego-Carlsbad, CA 1,345 100.0 3.1 20.6 68.1 8.1 

San Francisco-Oakland-Hayward, CA 1,903 100.0 2.1 16.5 75.7 5.7 

20 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

A.11 Banking Status by MSA, 2015 

For all households, row percent 

Geography 

Number of 

Households 

(1000s) 

Percent of 

Households 

Unbanked 

(Percent) 

Banked: 

Underbanked 

(Percent) 

Banked: 

Fully banked 

(Percent) 

Banked: 

Underbanked 

status unknown 

(Percent) 

Seattle-Tacoma-Bellevue, 

WA 1,456 100.0 2.6 18.5 75.8 3.1 

Sioux Falls, SD 124 100.0 1.9 19.0 74.8 4.2 

Tampa-St. Petersburg-Clearwater, FL 1,387 100.0 4.6 16.6 73.4 5.5 

Tucson, AZ 421 100.0 5.9 21.5 69.8 2.9 

Tulsa, OK 395 100.0 11.3 28.4 58.9 1.5 

Urban Honolulu, HI 366 100.0 1.6 18.8 74.2 5.4 

Virginia Beach-Norfolk-Newport News, 663 100.0 2.9 29.3 63.4 4.4 

VA-NC~ 

Washington-Arlington-Alexandria, DC-VA-MD-WV~ 2,370 100.0 3.9 21.5 69.7 4.9 

Wichita, KS~ 256 100.0 12.5 21.4 66.2 -

~ indicates areas with geographic boundary changes between the 2013 and 2015 surveys. See Appendix 1 (FDIC Technical Notes) for details. NA indicates that 

the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates 

do not always reconcile to totals because of rounding. 

21 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

A.12 Unbanked Rates by MSA, 2011-2015 

For all households 

Geography 2011 

(Percent) 

2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

All 8.2 7.7 7.0 (6.8, 7.3) -0.7* (-1.1, -0.3) 

MSA 

Albuquerque, NM 7.2 11.1 8.6 (5.9, 12.4) -2.5 (-8.6, 3.5) 

Atlanta-Sandy 

Springs-Roswell, GA~ 9.7 9.1 10.1 (7.6, 13.2) 1.0 (-2.7, 4.7) 

Austin-Round Rock, TX 10.2 1.3 8.6 (4.7, 15.3) 7.3* (2.2, 12.4) 

Baltimore-Columbia-Towson, MD 7.5 5.3 5.9 (3.5, 9.9) 0.6 (-3.1, 4.4) 

Baton Rouge, LA NA NA 14.3 (10.4, 19.5) NA NA 

Billings, MT~ NA NA 8.6 (3.6, 18.9) NA NA 

Birmingham-Hoover, AL 12.1 5.7 12.3 (8.2, 18.1) 6.6* (0.6, 12.7) 

Boise City, ID 2.9 6.9 2.6 (0.9, 6.9) -4.4* (-8.3, -0.4) 

Boston-Cambridge-Newton, MA-NH~ 4.2 6.6 4.3 (2.7, 6.8) -2.3 (-5.3, 0.8) 

Bridgeport-Stamford-Norwalk, CT~ 1.6 4.0 2.8 (0.8, 9.4) -1.2 (-4.8, 2.4) 

Burlington-South Burlington, VT~ 1.7 0.6 1.7 (0.5, 5.0) 1.1 (-0.8, 2.9) 

Charlotte-Concord-Gastonia, NC-SC~ 8.9 7.7 7.3 (4.4, 12.0) -0.4 (-5.8, 5.0) 

Chicago-Naperville-Elgin, 

IL-IN-WI 8.6 7.6 8.1 (6.6, 10.0) 0.5 (-1.9, 3.0) 

Cincinnati, OH-KY-IN~ 10.3 9.0 7.8 (4.3, 13.6) -1.3 (-7.5, 5.0) 

Cleveland-Elyria, OH 8.5 6.2 11.0 (7.5, 15.9) 4.8 (-0.4, 9.9) 

Columbia, SC 7.4 12.5 10.4 (5.2, 19.6) -2.1 (-10.9, 6.6) 

Columbus, OH~ 8.1 7.8 1.4 (0.3, 5.3) -6.4* (-10.9, -1.9) 

Dallas-Fort Worth-Arlington, TX~ 9.8 8.4 5.5 (3.9, 7.7) -2.9* (-5.7, -0.2) 

Denver-Aurora-Lakewood, 

CO 5.2 7.5 5.2 (1.5, 16.4) -2.3 (-8.4, 3.7) 

Detroit-Warren-Dearborn, 

MI 10.7 8.2 8.0 (5.9, 10.8) -0.1 (-3.4, 3.2) 

Fargo, ND-MN 5.2 6.6 1.8 (0.6, 5.2) -4.8* (-9.3, -0.3) 

Grand Rapids-Wyoming, 

MI~ NA 3.5 1.1 (0.1, 7.7) -2.4 (-5.5, 0.7) 

Greenville-Anderson-Mauldin, SC~ NA NA 6.1 (2.1, 16.4) NA NA 

Hartford-West Hartford-East Hartford, CT~ 5.3 6.4 9.3 (5.5, 15.5) 2.9 (-2.5, 8.3) 

Houston-The Woodlands-Sugar Land, TX~ 11.9 11.5 10.4 (8.0, 13.4) -1.1 (-5.0, 2.7) 

Indianapolis-Carmel-Anderson, IN~ 8.5 11.0 8.5 (4.3, 16.0) -2.5 (-9.1, 4.1) 

Jackson, MS~ NA NA 12.5 (8.1, 18.9) NA NA 

Kansas City, MO-KS~ 10.0 12.1 5.0 (2.8, 8.6) -7.1* (-11.1, -3.2) 

Las Vegas-Henderson-Paradise, NV 6.2 6.9 10.1 (7.4, 13.5) 3.2 (-0.4, 6.8) 

22 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

A.12 Unbanked Rates by MSA, 2011-2015 

For all households 

Geography 2011 

(Percent) 

2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

Little Rock-North Little 

Rock-Conway, AR 7.8 10.4 11.2 (6.8, 18.0) 0.8 (-7.8, 9.4) 

Los Angeles-Long 

Beach-Anaheim, CA 9.7 9.6 8.6 (7.0, 10.4) -1.1 (-3.4, 1.2) 

Louisville/Jefferson County, KY-IN~ 8.4 5.2 10.1 (6.2, 16.0) 4.9 (-0.6, 10.4) 

Manchester-Nashua, NH~ NA NA 4.3 (2.3, 8.1) NA NA 

Memphis, TN-MS-AR~ 11.1 19.5 17.2 (11.4, 25.3) -2.3 (-11.3, 6.8) 

Miami-Fort Lauderdale-West Palm Beach, FL 9.0 7.3 7.4 (5.2, 10.4) 0.1 (-3.2, 3.5) 

Milwaukee-Waukesha-West Allis, WI 10.8 7.1 7.1 (4.0, 12.2) 0.0 (-4.8, 4.8) 

Minneapolis-St. 

Paul-Bloomington, MN­ 5.2 3.8 4.5 (2.8, 7.3) 0.8 (-1.9, 3.4) 

WI~ 

Nashville-Davidson--Murfreesboro--Franklin, TN~ 9.5 9.4 9.9 (5.9, 16.1) 0.5 (-7.5, 8.5) 

New Haven-Milford, CT~ 4.8 7.7 9.2 (5.3, 15.5) 1.5 (-5.8, 8.8) 

New Orleans-Metairie, LA~ 12.4 13.2 17.4 (11.9, 24.8) 4.2 (-3.4, 11.8) 

New York-Newark-Jersey 

City, NY-NJ-PA~ 9.7 9.6 8.9 (7.5, 10.5) -0.7 (-2.7, 1.2) 

Oklahoma City, OK 9.3 8.5 13.3 (9.1, 18.9) 4.8 (-1.7, 11.3) 

Omaha-Council Bluffs, 

NE-IA 4.2 6.5 2.9 (1.3, 6.5) -3.6 (-7.8, 0.6) 

Orlando-Kissimmee-Sanford, FL 7.4 9.9 4.3 (2.0, 8.9) -5.6* (-10.5, -0.8) 

Philadelphia-Camden-Wilmington, PA-NJ­ 7.8 7.0 4.1 (2.6, 6.6) -2.8* (-5.4, -0.3) 

DE-MD 

Phoenix-Mesa-Scottsdale, 

AZ 10.6 16.3 10.6 (7.6, 14.6) -5.6* (-11.2, -0.1) 

Pittsburgh, PA 3.4 4.9 7.3 (3.4, 14.9) 2.4 (-3.1, 7.8) 

Portland-South Portland, 

ME~ 4.0 1.7 1.8 (0.6, 5.1) 0.1 (-2.2, 2.4) 

Portland-Vancouver-Hillsboro, OR-WA 3.1 3.7 5.0 (3.0, 8.2) 1.3 (-2.2, 4.8) 

Providence-Warwick, 

RI-MA~ 7.6 5.8 5.7 (3.4, 9.2) -0.1 (-3.5, 3.3) 

Richmond, VA~ 6.0 4.0 7.2 (3.3, 15.1) 3.2 (-3.7, 10.1) 

Riverside-San Bernardino-Ontario, CA 12.7 9.1 8.2 (5.5, 12.1) -0.9 (-5.2, 3.4) 

Sacramento--Roseville--Arden-Arcade, CA 5.4 5.8 3.5 (1.7, 7.0) -2.4 (-6.7, 2.0) 

St. Louis, MO-IL~ 9.7 4.2 8.0 (5.0, 12.5) 3.8 (0.0, 7.6) 

Salisbury, MD-DE~ NA NA 10.7 (4.6, 23.0) NA NA 

Salt Lake City, UT~ 4.4 2.7 2.0 (0.8, 4.9) -0.7 (-3.2, 1.9) 

San Antonio-New 

Braunfels, TX 15.5 8.1 11.3 (7.3, 16.9) 3.2 (-2.2, 8.6) 

San Diego-Carlsbad, CA 4.5 3.4 3.1 (1.4, 6.9) -0.2 (-3.1, 2.6) 

San Francisco-Oakland-Hayward, CA 5.9 5.7 2.1 (1.1, 4.2) -3.6* (-6.1, -1.1) 

23 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

A.12 Unbanked Rates by MSA, 2011-2015 

For all households 

Geography 2011 

(Percent) 

2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

Seattle-Tacoma-Bellevue, 

WA 4.0 3.5 2.6 (1.4, 4.6) -0.9 (-3.2, 1.4) 

Sioux Falls, SD 5.2 4.8 1.9 (0.4, 9.5) -2.9 (-6.3, 0.5) 

Tampa-St. Petersburg-Clearwater, FL 6.0 4.9 4.6 (2.7, 7.7) -0.4 (-3.7, 2.9) 

Tucson, AZ NA NA 5.9 (2.7, 12.4) NA NA 

Tulsa, OK 11.7 11.0 11.3 (7.5, 16.6) 0.2 (-6.4, 6.9) 

Urban Honolulu, HI 2.8 4.7 1.6 (0.9, 3.0) -3.1* (-5.7, -0.5) 

Virginia Beach-Norfolk-Newport News, 5.8 7.8 2.9 (1.3, 6.5) -4.9* (-9.4, -0.5) 

VA-NC~ 

Washington-Arlington-Alexandria, DC-VA-MD-WV~ 4.6 4.3 3.9 (2.7, 5.6) -0.4 (-2.2, 1.4) 

Wichita, KS~ 14.8 10.0 12.5 (8.1, 18.7) 2.5 (-4.3, 9.3) 

~ indicates areas with geographic boundary changes between the 2013 and 2015 surveys. See Appendix 1 (FDIC Technical Notes) for details. * indicates differences 

that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The 

population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding. 

24 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

A.13 Underbanked Rates by MSA, 2013-2015 

For all households 

Geography 2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

All 20.0 19.9 (19.5, 20.4) -0.1 (-0.6, 0.5) 

MSA 

Albuquerque, NM 24.4 21.6 (17.4, 26.5) -2.8 (-10.4, 4.8) 

Atlanta-Sandy 

Springs-Roswell, GA~ 27.9 26.0 (22.2, 30.1) -1.9 (-7.1, 3.3) 

Austin-Round Rock, TX 16.6 13.3 (8.2, 21.0) -3.3 (-11.8, 5.3) 

Baltimore-Columbia-Towson, MD 25.4 21.1 (17.0, 26.0) -4.3 (-9.8, 1.2) 

Baton Rouge, LA NA 23.5 (17.7, 30.5) NA NA 

Billings, MT~ NA 11.2 (7.3, 16.7) NA NA 

Birmingham-Hoover, AL 25.1 17.6 (13.5, 22.8) -7.5 (-16.9, 1.9) 

Boise City, ID 16.3 16.7 (12.0, 22.7) 0.4 (-7.0, 7.8) 

Boston-Cambridge-Newton, 15.3 18.0 (14.6, 22.0) 2.7 (-1.9, 7.3) 

MA-NH~ 

Bridgeport-Stamford-Norwalk, CT~ 10.4 15.2 (9.8, 22.8) 4.8 (-2.6, 12.2) 

Burlington-South Burlington, VT~ 17.3 11.2 (8.0, 15.6) -6.0* (-11.5, -0.6) 

Charlotte-Concord-Gastonia, NC-SC~ 28.3 25.1 (20.1, 30.9) -3.2 (-10.9, 4.5) 

Chicago-Naperville-Elgin, IL-IN-WI 13.5 14.3 (12.2, 16.7) 0.8 (-2.4, 4.0) 

Cincinnati, OH-KY-IN~ 21.5 12.2 (8.5, 17.2) -9.3* (-15.2, -3.4) 

Cleveland-Elyria, OH 17.2 8.5 (5.9, 12.1) -8.7* (-14.1, -3.3) 

Columbia, SC 27.2 21.1 (15.6, 28.0) -6.0 (-15.8, 3.7) 

Columbus, OH~ 25.6 26.3 (21.3, 32.1) 0.7 (-6.5, 7.9) 

Dallas-Fort Worth-Arlington, TX~ 27.3 31.5 (28.1, 35.1) 4.3 (-0.5, 9.0) 

Denver-Aurora-Lakewood, CO 16.2 16.2 (12.3, 21.0) 0.0 (-5.4, 5.3) 

Detroit-Warren-Dearborn, MI 18.4 18.5 (15.3, 22.2) 0.1 (-4.7, 4.9) 

Fargo, ND-MN 21.9 21.3 (15.6, 28.3) -0.7 (-8.4, 7.1) 

Grand Rapids-Wyoming, MI~ 13.9 17.1 (11.5, 24.7) 3.3 (-5.8, 12.3) 

Greenville-Anderson-Mauldin, SC~ NA 27.6 (20.5, 36.0) NA NA 

Hartford-West Hartford-East Hartford, CT~ 16.6 16.3 (11.2, 23.1) -0.3 (-7.4, 6.8) 

Houston-The Woodlands-Sugar Land, TX~ 29.1 21.2 (18.1, 24.6) -7.9* (-13.1, -2.7) 

Indianapolis-Carmel-Anderson, IN~ 18.0 21.3 (15.3, 28.9) 3.2 (-5.0, 11.5) 

Jackson, MS~ NA 25.4 (19.6, 32.3) NA NA 

Kansas City, MO-KS~ 19.4 22.1 (17.8, 27.1) 2.7 (-4.5, 9.9) 

Las Vegas-Henderson-Paradise, NV 25.0 29.1 (25.1, 33.4) 4.1 (-1.7, 9.9) 

Little Rock-North Little 

Rock-Conway, AR 24.4 25.5 (20.5, 31.4) 1.1 (-7.5, 9.7) 

25 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

A.13 Underbanked Rates by MSA, 2013-2015 

For all households 

Geography 2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

Los Angeles-Long 

Beach-Anaheim, CA 17.5 19.7 (17.3, 22.4) 2.2 (-0.9, 5.2) 

Louisville/Jefferson 

County, KY-IN~ 25.8 17.7 (12.5, 24.5) -8.1 (-17.4, 1.2) 

Manchester-Nashua, 

NH~ NA 21.4 (16.0, 28.1) NA NA 

Memphis, TN-MS-AR~ 

Miami-Fort Lauder24.2 21.0 (15.5, 27.9) -3.2 (-12.3, 5.9) 

dale-West Palm Beach, 

FL 

13.9 18.0 (14.7, 21.7) 4.1 (-0.7, 8.9) 

Milwaukee-Waukesha-West Allis, WI 

Minneapolis-St. 

10.8 14.2 (10.6, 18.9) 3.4 (-2.1, 8.9) 

Paul-Bloomington, 

MN-WI~ 

Nashville-David12.6 13.7 (10.3, 18.1) 1.1 (-3.2, 5.5) 

son--Murfreesboro--Franklin, TN~ 18.4 16.5 (12.2, 22.1) -1.8 (-8.9, 5.3) 

New Haven-Milford, 

CT~ 11.2 10.3 (5.8, 17.7) -0.9 (-8.1, 6.3) 

New Orleans-Metairie, 

LA~ 16.7 16.5 (12.5, 21.4) -0.2 (-8.6, 8.3) 

New York-Newark-Jersey City, NY-NJ-PA~ 19.5 21.0 (19.4, 22.7) 1.6 (-0.8, 3.9) 

Oklahoma City, OK 24.0 26.7 (20.9, 33.5) 2.7 (-5.2, 10.7) 

Omaha-Council Bluffs, 

NE-IA 23.3 27.2 (21.7, 33.5) 3.9 (-4.0, 11.9) 

Orlando-Kissimmee-Sanford, FL 

Philadelphia-Cam25.2 22.8 (17.1, 29.6) -2.5 (-11.8, 6.9) 

den-Wilmington, PANJ-DE-MD 21.7 19.0 (15.8, 22.6) -2.7 (-7.4, 2.0) 

Phoenix-Mesa-Scottsdale, AZ 14.8 17.3 (13.9, 21.3) 2.5 (-2.7, 7.7) 

Pittsburgh, PA 22.9 22.7 (17.9, 28.5) -0.2 (-7.5, 7.1) 

Portland-South Portland, ME~ 12.8 17.8 (12.7, 24.3) 5.0 (-2.5, 12.6) 

Portland-Vancouver-Hillsboro, OR-WA 16.8 18.6 (15.2, 22.6) 1.9 (-3.3, 7.0) 

Providence-Warwick, 

RI-MA~ 15.7 15.8 (12.1, 20.4) 0.1 (-5.2, 5.4) 

Richmond, VA~ 20.3 10.8 (6.1, 18.4) -9.5* (-18.0, -1.1) 

Riverside-San Bernardino-Ontario, CA 18.4 19.8 (15.7, 24.6) 1.3 (-5.3, 8.0) 

Sacramento--Roseville--Arden-Arcade, CA 21.8 16.7 (12.3, 22.4) -5.1 (-12.3, 2.1) 

St. Louis, MO-IL~ 19.2 16.2 (12.9, 20.2) -3.0 (-8.4, 2.5) 

Salisbury, MD-DE~ NA 9.8 (5.4, 17.2) NA NA 

Salt Lake City, UT~ 14.3 21.9 (16.8, 27.9) 7.5* (0.7, 14.4) 

San Antonio-New 

Braunfels, TX 27.6 31.3 (24.9, 38.4) 3.7 (-4.8, 12.1) 

San Diego-Carlsbad, 

CA 18.2 20.6 (16.3, 25.7) 2.4 (-3.1, 7.9) 

26 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

A.13 Underbanked Rates by MSA, 2013-2015 

For all households 

Geography 2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

San Francisco-Oakland-Hayward, CA 12.6 16.5 (13.5, 20.0) 3.8 (-0.6, 8.2) 

Seattle-Tacoma-Bellevue, WA 15.7 18.5 (14.9, 22.7) 2.8 (-2.2, 7.7) 

Sioux Falls, SD 18.6 19.0 (12.9, 27.2) 0.5 (-9.6, 10.6) 

Tampa-St. Petersburg-Clearwater, FL 19.8 16.6 (13.1, 20.8) -3.3 (-9.3, 2.8) 

Tucson, AZ NA 21.5 (14.1, 31.3) NA NA 

Tulsa, OK 21.4 28.4 (22.4, 35.3) 7.0 (-1.6, 15.5) 

Urban Honolulu, HI 

Virginia Beach-Nor19.7 18.8 (15.3, 22.8) -0.9 (-6.0, 4.1) 

folk-Newport News, 

VA-NC~ 

Washington-Arling28.5 29.3 (22.0, 37.9) 0.8 (-8.9, 10.4) 

ton-Alexandria, DC-VAMD-WV~ 19.8 21.5 (19.0, 24.3) 1.7 (-1.6, 5.0) 

Wichita, KS~ 23.1 21.4 (15.6, 28.6) -1.8 (-11.2, 7.7) 

~ indicates areas with geographic boundary changes between the 2013 and 2015 surveys. See Appendix 1 (FDIC Technical Notes) for details. * indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The 

population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding. 

27 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

A.14 Fully Banked Rates by MSA, 2013-2015 

For all households 

Geography 2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

All 67.0 68.0 (67.5, 68.5) 1.0* (0.3, 1.7) 

MSA 

Albuquerque, NM 60.3 67.1 (60.9, 72.7) 6.8 (-2.2, 15.8) 

Atlanta-Sandy 

Springs-Roswell, GA~ 57.8 61.0 (56.3, 65.5) 3.2 (-3.0, 9.5) 

Austin-Round Rock, TX 77.7 71.5 (64.5, 77.6) -6.2 (-15.6, 3.3) 

Baltimore-Columbia-Towson, MD 65.3 66.9 (60.1, 73.0) 1.6 (-5.8, 8.9) 

Baton Rouge, LA NA 55.9 (47.1, 64.3) NA NA 

Billings, MT~ NA 79.5 (69.9, 86.6) NA NA 

Birmingham-Hoover, AL 64.0 63.3 (56.9, 69.3) -0.7 (-10.9, 9.5) 

Boise City, ID 74.5 79.5 (73.5, 84.4) 5.0 (-2.9, 12.8) 

Boston-Cambridge-Newton, 73.9 72.2 (67.7, 76.2) -1.7 (-7.5, 4.0) 

MA-NH~ 

Bridgeport-Stamford-Norwalk, CT~ 80.1 76.5 (68.8, 82.7) -3.6 (-11.5, 4.3) 

Burlington-South Burlington, VT~ 77.0 83.3 (78.1, 87.5) 6.3 (-0.7, 13.3) 

Charlotte-Concord-Gastonia, NC-SC~ 61.9 66.2 (60.0, 71.9) 4.3 (-4.7, 13.3) 

Chicago-Naperville-Elgin, IL-IN-WI 72.4 71.7 (68.8, 74.4) -0.7 (-4.8, 3.4) 

Cincinnati, OH-KY-IN~ 60.9 76.1 (69.7, 81.6) 15.2* (6.5, 24.0) 

Cleveland-Elyria, OH 70.2 76.0 (70.8, 80.6) 5.9 (-1.3, 13.1) 

Columbia, SC 59.6 63.9 (55.0, 72.0) 4.4 (-6.5, 15.2) 

Columbus, OH~ 65.4 67.6 (61.5, 73.2) 2.2 (-6.7, 11.1) 

Dallas-Fort Worth-Arlington, TX~ 60.4 60.6 (56.7, 64.5) 0.2 (-5.5, 5.8) 

Denver-Aurora-Lakewood, CO 73.7 75.9 (67.7, 82.6) 2.3 (-6.4, 10.9) 

Detroit-Warren-Dearborn, MI 64.0 70.0 (66.2, 73.6) 6.1* (0.7, 11.4) 

Fargo, ND-MN 70.3 75.7 (68.8, 81.4) 5.4 (-3.7, 14.5) 

Grand Rapids-Wyoming, MI~ 79.1 75.8 (67.5, 82.6) -3.2 (-13.0, 6.6) 

Greenville-Anderson-Mauldin, SC~ NA 65.3 (56.3, 73.4) NA NA 

Hartford-West Hartford-East Hartford, CT~ 73.5 71.9 (63.8, 78.8) -1.6 (-10.4, 7.2) 

Houston-The Woodlands-Sugar Land, TX~ 55.2 60.2 (56.0, 64.3) 5.1 (-0.8, 10.9) 

Indianapolis-Carmel-Anderson, IN~ 70.4 66.4 (60.0, 72.2) -4.0 (-11.6, 3.5) 

Jackson, MS~ NA 58.3 (50.5, 65.7) NA NA 

Kansas City, MO-KS~ 65.6 69.1 (63.3, 74.3) 3.4 (-5.1, 11.9) 

Las Vegas-Henderson-Paradise, NV 62.0 55.1 (49.9, 60.2) -6.9 (-14.2, 0.4) 

Little Rock-North Little 

Rock-Conway, AR 63.9 62.7 (56.3, 68.7) -1.2 (-10.1, 7.7) 

28 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

A.14 Fully Banked Rates by MSA, 2013-2015 

For all households 

Geography 2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

Los Angeles-Long 

Beach-Anaheim, CA 67.4 61.7 (58.4, 64.8) -5.8* (-9.7, -1.9) 

Louisville/Jefferson 

County, KY-IN~ 66.2 71.6 (63.7, 78.4) 5.5 (-6.5, 17.5) 

Manchester-Nashua, 

NH~ NA 73.5 (66.5, 79.5) NA NA 

Memphis, TN-MS-AR~ 

Miami-Fort Lauder48.7 54.5 (45.8, 63.0) 5.8 (-6.2, 17.8) 

dale-West Palm Beach, 

FL 

66.1 65.9 (61.6, 70.0) -0.2 (-6.2, 5.8) 

Milwaukee-Waukesha-West Allis, WI 

Minneapolis-St. 

76.8 75.4 (69.2, 80.7) -1.4 (-8.9, 6.2) 

Paul-Bloomington, 

MN-WI~ 

Nashville-David81.5 77.6 (72.6, 82.0) -3.8 (-9.5, 1.8) 

son--Murfreesboro--Franklin, TN~ 68.5 71.2 (64.0, 77.5) 2.7 (-7.9, 13.4) 

New Haven-Milford, 

CT~ 79.0 68.5 (60.4, 75.5) -10.6* (-20.3, -0.8) 

New Orleans-Metairie, 

LA~ 66.2 64.8 (58.4, 70.7) -1.5 (-12.0, 9.1) 

New York-Newark-Jersey City, NY-NJ-PA~ 64.3 60.8 (58.7, 62.9) -3.5* (-6.5, -0.5) 

Oklahoma City, OK 64.5 58.6 (50.3, 66.4) -6.0 (-16.4, 4.5) 

Omaha-Council Bluffs, 

NE-IA 66.7 63.9 (57.2, 70.1) -2.8 (-11.8, 6.1) 

Orlando-Kissimmee-Sanford, FL 

Philadelphia-Cam57.1 61.6 (54.2, 68.6) 4.5 (-5.8, 14.8) 

den-Wilmington, PANJ-DE-MD 64.3 73.0 (69.3, 76.4) 8.7* (3.7, 13.6) 

Phoenix-Mesa-Scottsdale, AZ 63.7 65.8 (60.8, 70.4) 2.0 (-4.4, 8.5) 

Pittsburgh, PA 69.7 67.4 (61.3, 73.0) -2.2 (-9.9, 5.4) 

Portland-South Portland, ME~ 80.1 71.7 (64.6, 77.9) -8.4 (-17.7, 0.9) 

Portland-Vancouver-Hillsboro, OR-WA 74.9 67.4 (62.6, 71.8) -7.5* (-14.0, -1.1) 

Providence-Warwick, 

RI-MA~ 67.9 68.1 (62.2, 73.5) 0.2 (-6.3, 6.7) 

Richmond, VA~ 69.8 77.2 (67.7, 84.5) 7.3 (-4.1, 18.7) 

Riverside-San Bernardino-Ontario, CA 64.9 68.5 (63.3, 73.3) 3.6 (-3.4, 10.7) 

Sacramento--Roseville--Arden-Arcade, CA 71.5 76.3 (69.3, 82.1) 4.8 (-4.0, 13.5) 

St. Louis, MO-IL~ 72.7 71.5 (66.3, 76.3) -1.2 (-8.0, 5.7) 

Salisbury, MD-DE~ NA 75.2 (58.2, 86.8) NA NA 

Salt Lake City, UT~ 80.8 73.6 (67.5, 79.0) -7.1 (-14.9, 0.6) 

San Antonio-New 

Braunfels, TX 62.0 54.3 (46.3, 62.2) -7.6 (-17.6, 2.4) 

San Diego-Carlsbad, 

CA 70.4 68.1 (62.3, 73.4) -2.2 (-9.3, 4.8) 

29 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

A.14 Fully Banked Rates by MSA, 2013-2015 

For all households 

Geography 2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

San Francisco-Oakland-Hayward, CA 74.3 75.7 (71.5, 79.4) 1.3 (-4.4, 7.1) 

Seattle-Tacoma-Bellevue, WA 77.4 75.8 (71.4, 79.8) -1.5 (-7.2, 4.1) 

Sioux Falls, SD 69.3 74.8 (65.0, 82.6) 5.5 (-6.2, 17.1) 

Tampa-St. Petersburg-Clearwater, FL 69.9 73.4 (68.5, 77.7) 3.4 (-3.6, 10.5) 

Tucson, AZ NA 69.8 (59.0, 78.8) NA NA 

Tulsa, OK 66.6 58.9 (51.1, 66.2) -7.7 (-18.6, 3.2) 

Urban Honolulu, HI 

Virginia Beach-Nor68.6 74.2 (69.7, 78.2) 5.5 (-0.5, 11.6) 

folk-Newport News, 

VA-NC~ 

Washington-Arling56.8 63.4 (55.7, 70.5) 6.6 (-3.0, 16.2) 

ton-Alexandria, DC-VAMD-WV~ 69.4 69.7 (66.3, 72.9) 0.4 (-3.6, 4.3) 

Wichita, KS~ 63.1 66.2 (57.5, 73.8) 3.0 (-8.8, 14.8) 

~ indicates areas with geographic boundary changes between the 2013 and 2015 surveys. See Appendix 1 (FDIC Technical Notes) for details. * indicates 

differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate 

of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding. 

30 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

A.15 Likelihood of Opening an Account by Previous Banking Status and Household Characteristics, 2015 

For all unbanked households, row percent

 Characteristics 

Number of 

Households 

(1000s) 

Percent of 

Households 

Very likely 

(Percent) 

Somewhat 

likely 

(Percent) 

Not very likely 

(Percent) 

Not at all likely 

(Percent) 

Unknown 

(Percent) 

All 

Previously banked 

Once had bank account 

Never had bank account 

Unknown 

Family income 

Less than $15,000 

$15,000 to $30,000 

$30,000 to $50,000 

$50,000 to $75,000 

At least $75,000 

Education 

No high school diploma 

High school diploma 

Some college 

College degree 

Age group 

15 to 24 years 

25 to 34 years 

35 to 44 years 

45 to 54 years 

55 to 64 years 

65 years or more 

Race/Ethnicity 

Black 

Hispanic 

Asian 

White 

Other 

Disability status 

Disabled, age 25 to 64 

Not disabled, age 25 to 64 

Not applicable (not age 25 

to 64) 

Employment status 

Employed 

Unemployed 

Not in labor force 

8,969 

4,166 

4,644 

NA 

4,624 

2,532 

1,263 

NA 

NA 

3,203 

3,216 

2,056 

494 

868 

2,234 

1,935 

1,587 

1,398 

947 

3,262 

2,614 

NA 

2,645 

NA 

2,023 

5,132 

1,814 

3,878 

889 

4,202 

100.0 

100.0 

100.0 

NA 

100.0 

100.0 

100.0 

NA 

NA 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

NA 

100.0 

NA 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

9.5 

15.3 

4.5 

NA 

10.8 

6.7 

8.1 

NA 

NA 

6.5 

10.2 

13.1 

9.6 

13.6 

10.8 

12.0 

9.2 

5.8 

3.7 

12.1 

5.2 

NA 

10.8 

NA 

8.8 

10.2 

8.4 

10.2 

15.0 

7.7 

16.9 

22.0 

13.0 

NA 

16.9 

17.2 

18.2 

NA 

NA 

13.0 

19.1 

19.8 

16.5 

29.6 

23.1 

14.9 

15.2 

9.9 

8.0 

18.3 

18.0 

NA 

14.5 

NA 

13.3 

17.9 

18.3 

17.3 

32.8 

13.3 

18.1 

19.7 

16.9 

NA 

16.1 

20.6 

21.9 

NA 

NA 

20.3 

17.8 

16.5 

13.0 

20.4 

17.7 

19.1 

17.6 

19.2 

14.2 

17.6 

21.3 

NA 

15.8 

NA 

16.4 

19.1 

17.2 

20.7 

14.8 

16.4 

48.6 

39.8 

57.9 

NA 

50.4 

48.5 

46.9 

NA 

NA 

54.8 

46.2 

43.7 

44.6 

30.1 

42.9 

47.3 

52.5 

57.6 

62.1 

44.7 

48.9 

NA 

52.6 

NA 

56.1 

46.3 

46.8 

45.1 

32.6 

55.3 

6.8 

3.2 

7.7 

NA 

5.9 

7.0 

5.0 

NA 

NA 

5.5 

6.7 

6.8 

16.3 

6.2 

5.5 

6.7 

5.6 

7.4 

12.0 

7.3 

6.6 

NA 

6.4 

NA 

5.5 

6.5 

9.2 

6.8 

4.8 

7.3 

31 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

A.15 Likelihood of Opening an Account by Previous Banking Status and Household Characteristics, 2015 

For all unbanked households, row percent

 Characteristics 

Number of 

Households 

(1000s) 

Percent of 

Households 

Very likely 

(Percent) 

Somewhat 

likely 

(Percent) 

Not very likely 

(Percent) 

Not at all likely 

(Percent) 

Unknown 

(Percent) 

Homeownership 

Homeowner 

Non-homeowner 

Household type 

Married couple 

Unmarried female-headed 

family 

Unmarried male-headed family 

Female individual 

Male individual 

Other 

Nativity 

U.S.-born 

Foreign-born citizen 

Foreign-born non-citizen 

Spanish only language 

spoken 

Spanish is not only language 

spoken 

Spanish is only language 

spoken 

Metropolitan status 

Metropolitan area - principal 

city 

Metropolitan area - balance 

Not in metropolitan area 

Not identified 

Geographic region 

Northeast 

Midwest 

South 

West 

Monthly income volatility 

Income was about the same 

each month 

Income varied somewhat from 

month to month 

Income varied a lot from month 

to month 

Unknown 

1,860 

7,109 

1,964 

2,586 

605 

1,603 

2,173 

NA 

6,668 

NA 

1,851 

8,082 

887 

3,755 

2,855 

1,364 

995 

1,438 

1,583 

4,233 

1,715 

5,217 

1,814 

744 

1,194 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

NA 

100.0 

NA 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

8.1 

9.9 

8.4 

12.2 

9.3 

6.6 

9.3 

NA 

10.8 

NA 

6.2 

9.8 

7.0 

8.1 

9.1 

14.2 

9.7 

8.5 

11.7 

9.9 

7.2 

9.1 

11.8 

15.2 

4.0 

11.8 

18.3 

19.1 

22.1 

15.9 

12.6 

11.6 

NA 

16.6 

NA 

15.7 

17.5 

12.1 

18.0 

16.1 

14.8 

18.3 

18.9 

18.3 

16.4 

15.4 

17.2 

23.4 

17.4 

5.9 

16.4 

18.6 

21.0 

16.6 

14.3 

16.7 

19.8 

NA 

17.2 

NA 

22.1 

17.9 

20.4 

21.5 

16.0 

15.1 

15.7 

13.6 

16.0 

20.5 

17.9 

18.6 

22.3 

17.5 

10.0 

54.5 

47.1 

46.8 

44.3 

52.5 

52.3 

51.9 

NA 

48.6 

NA 

48.6 

48.2 

52.2 

44.9 

52.1 

49.8 

51.3 

53.7 

45.2 

47.1 

51.2 

54.1 

41.2 

48.7 

35.6 

9.2 

6.2 

4.6 

4.8 

8.0 

11.8 

7.3 

NA 

6.8 

NA 

7.4 

6.6 

8.4 

7.6 

6.7 

6.2 

5.0 

5.3 

8.8 

6.0 

8.3 

0.9 

1.3 

1.2 

44.5 

NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than 

zero. Estimates do not always reconcile to totals because of rounding. 

32 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

A.16 All Reasons Households Were Unbanked by Previous Banking Status, 2015 

For all unbanked households, column percent 

Characteristics All Once had bank account Never had bank account 

Number of Households (1000s) 8,969 4,166 4,644 

Percent of Households 

Inconvenient hours (Percent) 

100.0 100.0 100.0 

Yes 8.5 10.4 6.9 

No 87.9 88.3 90.0 

Unknown 

Inconvenient locations (Percent) 

3.6 1.3 3.1 

Yes 9.0 9.6 8.7 

No 86.8 88.8 87.3 

Unknown 

Account fees too high (Percent) 

4.1 1.6 4.0 

Yes 27.7 33.8 23.1 

No 67.5 64.5 71.9 

Unknown 

Account fees unpredictable (Percent) 

4.8 1.7 5.0 

Yes 24.0 31.5 17.7 

No 70.3 66.2 76.0 

Unknown 

Banks do not offer needed products or services (Percent) 

5.7 2.3 6.3 

Yes 15.4 15.4 15.8 

No 79.1 82.0 78.7 

Unknown 

Do not trust banks (Percent) 

5.5 2.6 5.5 

Yes 28.0 28.2 28.3 

No 66.4 69.3 65.7 

Unknown 

Do not have enough money to keep in account (Percent) 

5.6 2.6 5.9 

Yes 57.4 59.7 56.9 

No 36.8 37.7 36.7 

Unknown 

Avoiding bank gives more privacy (Percent) 

5.9 2.7 6.4 

Yes 28.5 28.6 29.2 

No 65.1 68.2 63.9 

Unknown 

ID, credit, or former bank account problems (Percent) 

6.4 3.2 6.8 

Yes 16.4 17.6 15.9 

No 76.9 79.8 76.2 

Unknown 6.6 2.6 7.9 

33 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

A.16 All Reasons Households Were Unbanked by Previous Banking Status, 2015 

For all unbanked households, column percent 

Characteristics All Once had bank account Never had bank account 

Other reason (Percent) 

Yes 

No 

Unknown 

13.4 

80.2 

6.4 

16.1 

81.2 

2.7 

11.3 

81.4 

7.3 

NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than 

zero. Estimates do not always reconcile to totals because of rounding. 

A.17 Main Reason Households Were Unbanked by Previous Banking Status, 2015 

For all unbanked households, column percent 

Characteristics All Once had bank account Never had bank account 

Number of Households (1000s) 8,969 4,166 4,644 

Percent of Households 100.0 100.0 100.0 

Main reason unbanked 

Inconvenient hours 3.3 4.1 2.7 

Inconvenient locations 2.0 2.3 1.8 

Account fees too high 9.4 11.6 7.8 

Account fees unpredictable 1.9 2.6 1.1 

Banks do not offer needed products or services 1.3 0.8 1.7 

Do not trust banks 10.9 10.7 11.3 

Do not have enough money to keep in account 37.8 39.6 37.3 

Avoiding bank gives more privacy 3.4 2.8 4.1 

ID, credit, or former bank account problems 5.7 5.6 5.9 

Other reason 10.3 12.3 8.8 

Unknown 14.0 7.6 17.4 

NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than 

zero. Estimates do not always reconcile to totals because of rounding. 

34 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

A.18 “How Interested Are Banks in Serving Households Like Yours? ” by Banking Status and Household 

Characteristics, 2015 

For all households, row percent 

Characteristics 

Number of 

Households 

(1000s) 

Percent of 

Households 

Very 

interested 

(Percent) 

Somewhat 

interested 

(Percent) 

Not at all 

interested 

(Percent) 

Unknown: 

Do not know/ 

Refused 

(Percent) 

Unknown: 

Dropped 

out 

(Percent) 

All 

Unbanked and 

underbanked 

127,538 100.0 37.4 39.1 15.8 5.5 2.1 

Unbanked 8,969 100.0 8.3 22.6 55.8 9.1 4.2 

Banked: Underbanked 25,423 100.0 35.3 44.1 16.6 4.0 -

Banked: Fully banked 86,736 100.0 42.8 41.1 12.0 4.0 -

Banked: Underbanked status 

unknown 

Family income 

6,410 100.0 13.6 16.3 7.2 26.3 36.6 

Less than $15,000 18,046 100.0 24.7 35.1 30.2 7.5 2.5 

$15,000 to $30,000 21,392 100.0 28.5 39.9 22.1 7.0 2.4 

$30,000 to $50,000 25,336 100.0 34.0 42.6 16.3 5.1 2.0 

$50,000 to $75,000 23,003 100.0 40.0 41.3 11.9 4.6 2.3 

At least $75,000 

Education 

39,761 100.0 48.7 37.1 7.7 4.6 1.8 

No high school diploma 13,802 100.0 26.0 34.7 29.5 7.5 2.3 

High school diploma 33,239 100.0 32.6 39.6 19.6 5.8 2.4 

Some college 37,512 100.0 36.1 41.7 15.4 4.7 2.1 

College degree 

Age group 

42,985 100.0 46.1 38.0 8.8 5.3 1.9 

15 to 24 years 6,648 100.0 26.9 44.3 20.9 5.7 2.2 

25 to 34 years 21,005 100.0 34.7 41.4 16.4 5.8 1.7 

35 to 44 years 21,640 100.0 36.5 39.2 17.0 5.1 2.2 

45 to 54 years 23,773 100.0 37.8 40.0 15.4 4.7 2.1 

55 to 64 years 23,981 100.0 38.5 39.3 15.7 4.5 2.0 

65 years or more 

Race/Ethnicity 

30,491 100.0 41.2 35.6 13.7 7.0 2.5 

Black 17,961 100.0 29.2 38.0 23.7 6.2 2.9 

Hispanic 16,106 100.0 30.3 38.2 23.3 5.3 2.8 

Asian 6,275 100.0 38.4 38.1 13.0 8.3 2.3 

White 85,428 100.0 40.5 39.7 12.9 5.1 1.8 

Other 

Disability status 

1,768 100.0 35.7 36.7 18.3 7.3 2.0 

Disabled, age 25 to 64 11,497 100.0 27.4 36.1 29.2 5.1 2.2 

Not disabled, age 25 to 64 78,902 100.0 38.4 40.5 14.2 5.0 2.0 

Not applicable (not age 25 

to 64) 

Employment status 

37,139 100.0 38.6 37.2 15.0 6.7 2.4 

Employed 78,152 100.0 38.5 41.0 13.6 4.9 2.0 

Unemployed 3,869 100.0 26.1 42.8 22.9 6.2 2.1 

Not in labor force 45,517 100.0 36.5 35.6 19.0 6.5 2.4 

35 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

A.18 “How Interested Are Banks in Serving Households Like Yours? ” by Banking Status and Household 

Characteristics, 2015 

For all households, row percent 

Characteristics 

Number of 

Households 

(1000s) 

Percent of 

Households 

Very 

interested 

(Percent) 

Somewhat 

interested 

(Percent) 

Not at all 

interested 

(Percent) 

Unknown: 

Do not know/ 

Refused 

(Percent) 

Unknown: 

Dropped 

out 

(Percent) 

Homeownership 

Homeowner 

Non-homeowner 

Household type 

Married couple 

Unmarried female-headed 

family 

Unmarried male-headed family 

Female individual 

Male individual 

Other 

Nativity 

U.S.-born 

Foreign-born citizen 

Foreign-born non-citizen 

Spanish only language 

spoken 

Spanish is not only language 

spoken 

Spanish is only language 

spoken 

Metropolitan status 

Metropolitan area - principal 

city 

Metropolitan area - balance 

Not in metropolitan area 

Not identified 

Geographic region 

Northeast 

Midwest 

South 

West 

Monthly income volatility 

Income was about the same 

each month 

Income varied somewhat from 

month to month 

Income varied a lot from month 

to month 

Unknown 

80,685 

46,853 

59,549 

15,998 

6,143 

23,474 

22,100 

NA 

108,671 

9,728 

9,140 

124,675 

2,863 

36,531 

54,619 

17,895 

18,494 

22,699 

27,625 

48,382 

28,832 

91,549 

20,839 

5,781 

9,370 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

NA 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

43.1 

27.7 

44.1 

28.6 

30.2 

34.1 

31.8 

NA 

38.1 

38.3 

28.6 

37.8 

24.2 

33.7 

38.5 

41.1 

38.1 

34.5 

39.7 

38.0 

36.7 

39.8 

37.4 

34.0 

16.6 

38.5 

40.2 

38.4 

39.7 

42.1 

38.9 

40.1 

NA 

39.4 

38.0 

37.1 

39.3 

33.7 

40.1 

38.8 

37.2 

40.3 

40.2 

39.3 

38.4 

39.4 

40.7 

42.0 

36.4 

19.2 

11.4 

23.3 

11.2 

23.9 

19.2 

17.8 

19.3 

NA 

15.3 

15.2 

22.7 

15.5 

29.0 

17.6 

15.1 

14.5 

15.3 

16.4 

13.6 

16.7 

15.9 

15.3 

16.8 

25.1 

12.5 

5.1 

6.2 

4.6 

5.6 

5.8 

6.7 

6.5 

NA 

5.2 

6.0 

8.6 

5.4 

8.4 

6.1 

5.3 

5.7 

4.8 

6.1 

6.2 

4.9 

5.4 

4.2 

3.8 

4.5 

22.7 

1.9 

2.6 

1.8 

2.2 

2.8 

2.6 

2.4 

NA 

2.0 

2.5 

3.1 

2.1 

4.7 

2.5 

2.3 

1.4 

1.5 

2.8 

1.1 

2.0 

2.7 

-

-

-

29.0 

Households recorded as “Unknown: Do not know/Refused” were asked the survey question but did not select a provided response (“very interested,” “somewhat 

interested,” or “not at all interested”). Households recorded as “Unknown: Dropped out” dropped out of the survey before being asked this question. NA indicates 

that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding. 

36 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

B.1 Types of Accounts Owned by Banked Households, 2015 

For all banked households, row percent 

Characteristics 

Number of 

Households 

(1000s) 

Percent of 

Households 

Checking 

and savings 

(Percent) 

Savings only 

(Percent) 

Checking only 

(Percent) 

All 

Family income 

116,137 100.0 75.8 2.0 22.2 

Less than $15,000 13,082 100.0 46.8 5.7 47.4 

$15,000 to $30,000 18,432 100.0 59.4 3.6 37.1 

$30,000 to $50,000 23,526 100.0 73.6 1.7 24.7 

$50,000 to $75,000 22,203 100.0 82.2 1.1 16.8 

At least $75,000 

Education 

38,893 100.0 90.9 0.7 8.4 

No high school diploma 10,351 100.0 47.7 6.2 46.2 

High school diploma 29,362 100.0 66.3 2.8 30.9 

Some college 34,780 100.0 77.6 1.5 20.8 

College degree 

Age group 

41,643 100.0 87.9 0.7 11.3 

15 to 24 years 5,585 100.0 73.1 2.4 24.5 

25 to 34 years 18,457 100.0 78.2 1.8 20.1 

35 to 44 years 19,328 100.0 78.1 1.8 20.1 

45 to 54 years 21,781 100.0 77.4 1.8 20.8 

55 to 64 years 22,174 100.0 74.4 2.4 23.2 

65 years or more 

Race/Ethnicity 

28,811 100.0 73.0 2.0 24.9 

Black 14,341 100.0 66.4 4.2 29.3 

Hispanic 13,209 100.0 64.8 3.4 31.8 

Asian 5,865 100.0 80.1 1.1 18.8 

White 81,173 100.0 79.0 1.4 19.6 

Other 

Disability status 

1,548 100.0 69.7 2.5 27.7 

Disabled, age 25 to 64 9,298 100.0 53.6 4.9 41.4 

Not disabled, age 25 to 64 72,442 100.0 79.9 1.5 18.5 

Not applicable (not age 25 to 64) 

Employment status 

34,396 100.0 73.0 2.1 24.9 

Employed 72,958 100.0 80.4 1.5 18.1 

Unemployed 2,919 100.0 65.8 4.7 29.4 

Not in labor force 

Homeownership 

40,259 100.0 68.1 2.7 29.2 

Homeowner 77,375 100.0 81.5 1.3 17.2 

Non-homeowner 38,762 100.0 64.4 3.4 32.2 

37 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

B.1 Types of Accounts Owned by Banked Households, 2015 

For all banked households, row percent 

Characteristics 

Number of 

Households 

(1000s) 

Percent of 

Households 

Checking 

and savings 

(Percent) 

Savings only 

(Percent) 

Checking only 

(Percent) 

Household type 

Married couple 

Unmarried female-headed family 

Unmarried male-headed family 

Female individual 

Male individual 

Other 

Nativity 

U.S.-born 

Foreign-born citizen 

Foreign-born non-citizen 

Spanish only language spoken 

Spanish is not only language 

spoken 

Spanish is only language spoken 

Metropolitan status 

Metropolitan area - principal city 

Metropolitan area - balance 

Not in metropolitan area 

Not identified 

Geographic region 

Northeast 

Midwest 

South 

West 

Monthly income volatility 

Income was about the same each 

month 

Income varied somewhat from 

month to month 

Income varied a lot from month 

to month 

Unknown 

56,516 

13,144 

5,426 

21,375 

19,482 

NA 

99,958 

9,113 

7,066 

114,209 

1,928 

31,971 

50,725 

16,241 

17,200 

20,757 

25,578 

43,193 

26,609 

85,594 

18,854 

4,993 

6,696 

100.0 

100.0 

100.0 

100.0 

100.0 

NA 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

83.3 

64.3 

69.8 

70.8 

68.8 

NA 

77.0 

72.1 

63.5 

76.3 

45.8 

75.4 

79.5 

66.8 

74.1 

76.3 

77.9 

71.0 

81.1 

76.0 

77.5 

71.1 

71.3 

1.1 

3.0 

2.4 

2.5 

3.3 

NA 

2.0 

1.9 

2.5 

1.9 

4.5 

2.3 

1.3 

2.7 

2.6 

2.1 

2.1 

2.2 

1.5 

2.0 

1.9 

2.6 

1.7 

15.6 

32.7 

27.9 

26.7 

27.9 

NA 

21.1 

26.0 

34.0 

21.8 

49.7 

22.3 

19.2 

30.5 

23.3 

21.6 

20.0 

26.8 

17.4 

22.0 

20.6 

26.2 

26.9 

Excludes households with missing information on bank account types. NA indicates that the sample size is too small to produce a precise estimate. - indicates an 

estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding. 

38 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

B.2 Savings Account Ownership Rates by Household Characteristics, Banked Households, 2011-2015 

For all banked households 

Characteristics 2011 

(Percent) 

2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

All 

Family income 

76.6 76.0 77.8 (77.3, 78.3) 1.7* (1.1, 2.4) 

Less than $15,000 53.2 51.5 52.6 (50.9, 54.2) 1.1 (-1.1, 3.2) 

$15,000 to $30,000 64.9 62.1 62.9 (61.6, 64.2) 0.8 (-0.8, 2.5) 

$30,000 to $50,000 74.6 73.7 75.3 (74.3, 76.3) 1.6* (0.2, 3.1) 

$50,000 to $75,000 83.4 82.3 83.2 (82.4, 84.1) 0.9 (-0.3, 2.1) 

At least $75,000 

Education 

90.9 90.5 91.6 (91.1, 92.1) 1.1* (0.4, 1.9) 

No high school diploma 54.8 54.4 53.8 (52.1, 55.5) -0.5 (-2.8, 1.7) 

High school diploma 69.6 68.4 69.1 (68.0, 70.1) 0.7 (-0.7, 2.2) 

Some college 78.1 76.7 79.2 (78.3, 80.0) 2.4* (1.4, 3.4) 

College degree 

Age group 

87.4 86.8 88.7 (88.1, 89.2) 1.8* (1.0, 2.7) 

15 to 24 years 70.8 72.0 75.5 (73.0, 77.9) 3.5* (0.1, 6.9) 

25 to 34 years 77.1 77.6 79.9 (78.6, 81.1) 2.3* (0.6, 4.0) 

35 to 44 years 77.5 77.3 79.9 (78.8, 80.9) 2.6* (1.0, 4.1) 

45 to 54 years 78.3 77.9 79.2 (78.1, 80.3) 1.3 (-0.1, 2.6) 

55 to 64 years 77.9 75.7 76.8 (75.8, 77.8) 1.1 (-0.2, 2.5) 

65 years or more 

Race/Ethnicity 

74.3 73.6 75.1 (74.2, 75.9) 1.5* (0.2, 2.8) 

Black 68.3 67.4 70.7 (69.1, 72.2) 3.3* (1.4, 5.2) 

Hispanic 66.1 66.3 68.2 (66.4, 69.9) 1.9 (-0.6, 4.3) 

Asian 80.6 81.2 81.2 (79.1, 83.1) 0.0 (-2.5, 2.5) 

White 79.2 78.7 80.4 (79.9, 81.0) 1.7* (1.0, 2.5) 

Other 

Disability status 

74.2 67.2 72.3 (68.5, 75.7) 5.1 (-0.9, 11.1) 

Disabled, age 25 to 64 61.9 58.4 58.6 (56.6, 60.5) 0.1 (-2.5, 2.8) 

Not disabled, age 25 to 64 79.7 79.4 81.5 (80.9, 82.1) 2.1* (1.3, 2.9) 

Not applicable (not age 25 to 64) 

Employment status 

73.7 73.3 75.1 (74.3, 75.9) 1.8* (0.7, 3.0) 

Employed 80.5 79.8 81.9 (81.4, 82.4) 2.1* (1.4, 2.8) 

Unemployed 67.4 67.8 70.6 (67.3, 73.6) 2.8 (-1.2, 6.8) 

Not in labor force 

Homeownership 

70.7 70.0 70.8 (70.0, 71.6) 0.8 (-0.3, 1.9) 

Homeowner 81.4 80.9 82.8 (82.2, 83.3) 1.8* (1.1, 2.5) 

Non-homeowner 65.8 65.4 67.8 (66.8, 68.8) 2.4* (1.1, 3.7) 

39 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

B.2 Savings Account Ownership Rates by Household Characteristics, Banked Households, 2011-2015 

For all banked households 

Characteristics 2011 

(Percent) 

2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

Household type 

Married couple 

Unmarried female-headed family 

Unmarried male-headed family 

Female individual 

Male individual 

Other 

Nativity 

U.S.-born 

Foreign-born citizen 

Foreign-born non-citizen 

Spanish only language spoken 

Spanish is not only language spoken 

Spanish is only language spoken 

Metropolitan status 

Metropolitan area - principal city 

Metropolitan area - balance 

Not in metropolitan area 

Not identified 

Geographic region 

Northeast 

Midwest 

South 

West 

83.1 

67.9 

69.2 

71.0 

70.8 

NA 

77.5 

74.8 

65.3 

77.0 

52.2 

76.8 

79.2 

69.8 

76.4 

79.8 

77.9 

71.4 

81.4 

82.7 

67.1 

67.7 

70.6 

69.8 

NA 

77.0 

73.1 

65.0 

76.4 

52.6 

77.0 

78.8 

67.3 

75.7 

78.2 

78.2 

70.9 

80.8 

84.4 

67.3 

72.1 

73.3 

72.1 

NA 

78.9 

74.0 

66.0 

78.2 

50.3 

77.7 

80.8 

69.5 

76.7 

78.4 

80.0 

73.2 

82.6 

(83.8, 85.0) 

(65.7, 68.7) 

(69.7, 74.5) 

(72.4, 74.3) 

(70.9, 73.4) 

NA 

(78.4, 79.4) 

(72.1, 75.8) 

(63.8, 68.2) 

(77.7, 78.7) 

(45.8, 54.9) 

(76.7, 78.7) 

(80.2, 81.4) 

(68.0, 71.0) 

(75.2, 78.2) 

(77.1, 79.6) 

(78.9, 80.9) 

(72.3, 74.1) 

(81.7, 83.5) 

1.6* 

0.2 

4.4* 

2.7* 

2.3* 

NA 

1.9* 

0.9 

1.0 

1.8* 

-2.3 

0.7 

2.0* 

2.2* 

1.0 

0.2 

1.7* 

2.3* 

1.8* 

(0.8, 2.5) 

(-2.0, 2.3) 

(1.4, 7.4) 

(1.3, 4.2) 

(0.6, 4.0) 

NA 

(1.2, 2.6) 

(-1.4, 3.3) 

(-2.1, 4.2) 

(1.2, 2.5) 

(-8.6, 4.0) 

(-0.6, 2.0) 

(1.1, 2.9) 

(0.2, 4.2) 

(-0.9, 3.0) 

(-1.4, 1.7) 

(0.5, 3.0) 

(1.1, 3.5) 

(0.6, 3.0) 

Excludes households with missing information on bank account types. * indicates differences that are statistically significant at the 10% level. NA indicates that the 

sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do 

not always reconcile to totals because of rounding. 

40 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

B.3 All Methods Used to Access Bank Accounts by Banking Status and Household Characteristics, 2015 

For all banked households that accessed their account in the past 12 months, row percent 

Characteristics 

Number of 

Households 

(1000s) 

Percent of 

Households 

Bank teller 

(Percent) 

ATM/Kiosk 

(Percent) 

Telephone 

banking 

(Percent) 

Online 

banking 

(Percent) 

Mobile 

banking 

(Percent) 

Other 

(Percent) 

All 

Unbanked and 

underbanked 

113,315 100.0 75.5 69.8 27.0 60.4 31.9 1.1 

Banked: Underbanked 25,056 100.0 77.0 75.5 32.7 54.8 35.7 0.8 

Banked: Fully banked 85,351 100.0 75.2 68.3 25.5 62.5 31.0 1.1 

Banked: Underbanked 

status unknown 

Family income 

2,908 100.0 73.0 65.1 22.3 49.2 26.7 1.7 

Less than $15,000 12,473 100.0 71.7 56.6 20.9 33.4 19.0 2.8 

$15,000 to $30,000 17,896 100.0 77.2 59.8 21.8 39.3 19.6 1.8 

$30,000 to $50,000 22,958 100.0 76.6 67.3 24.9 52.1 27.1 0.8 

$50,000 to $75,000 21,739 100.0 76.5 72.1 28.1 66.1 34.6 0.7 

At least $75,000 

Education 

38,248 100.0 74.8 79.0 32.0 80.8 43.2 0.5 

No high school diploma 9,844 100.0 76.0 52.8 18.5 24.6 12.7 2.8 

High school diploma 28,451 100.0 76.5 63.3 22.2 44.2 21.9 1.4 

Some college 34,062 100.0 75.2 71.3 29.0 62.9 33.8 0.9 

College degree 

Age group 

40,958 100.0 75.0 77.2 30.6 78.2 41.9 0.6 

15 to 24 years 5,506 100.0 66.1 78.0 28.0 68.6 51.6 0.3 

25 to 34 years 18,235 100.0 67.1 77.2 29.6 73.8 53.3 0.3 

35 to 44 years 18,929 100.0 72.0 77.8 31.6 74.0 47.7 0.3 

45 to 54 years 21,237 100.0 76.7 77.5 30.2 66.8 34.1 0.6 

55 to 64 years 21,676 100.0 78.9 70.2 27.5 58.5 22.0 1.0 

65 years or more 

Race/Ethnicity 

27,732 100.0 81.9 51.7 19.0 37.3 9.2 2.7 

Black 13,905 100.0 74.2 74.1 29.9 49.2 33.0 0.6 

Hispanic 12,835 100.0 70.4 70.0 26.3 51.7 34.2 0.7 

Asian 5,711 100.0 72.2 67.0 22.8 69.9 34.3 0.4 

White 79,378 100.0 76.8 69.2 26.7 63.1 31.2 1.3 

Other 

Disability status 

1,485 100.0 75.7 72.7 34.0 58.0 32.5 0.8 

Disabled, age 25 to 64 8,975 100.0 75.5 68.3 29.2 44.9 22.1 1.5 

Not disabled, age 25 

to 64 71,102 100.0 73.8 76.4 29.7 70.7 40.5 0.4 

Not applicable (not age 

25 to 64) 

Employment status 

33,238 100.0 79.2 56.1 20.5 42.5 16.2 2.3 

Employed 71,556 100.0 73.7 76.1 29.8 70.6 41.1 0.5 

Unemployed 2,856 100.0 75.6 76.7 30.2 60.1 32.9 0.5 

Not in labor force 38,904 100.0 78.9 57.8 21.5 41.7 14.8 2.2 

41 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

B.3 All Methods Used to Access Bank Accounts by Banking Status and Household Characteristics, 2015 

For all banked households that accessed their account in the past 12 months, row percent 

Characteristics 

Number of 

Households 

(1000s) 

Percent of 

Households 

Bank teller 

(Percent) 

ATM/Kiosk 

(Percent) 

Telephone 

banking 

(Percent) 

Online 

banking 

(Percent) 

Mobile 

banking 

(Percent) 

Other 

(Percent) 

Homeownership 

Homeowner 

Non-homeowner 

Household type 

Married couple 

Unmarried femaleheaded family 

Unmarried maleheaded family 

Female individual 

Male individual 

Other 

Nativity 

U.S.-born 

Foreign-born citizen 

Foreign-born noncitizen 

Spanish only 

language spoken 

Spanish is not only 

language spoken 

Spanish is only 

language spoken 

Metropolitan status 

Metropolitan area - 

principal city 

Metropolitan area - 

balance 

Not in metropolitan 

area 

Not identified 

Geographic region 

Northeast 

Midwest 

South 

West 

Monthly income 

volatility 

Income was about the 

same each month 

Income varied 

somewhat from month 

to month 

Income varied a lot 

from month to month 

Unknown 

75,565 

37,750 

55,559 

12,882 

5,245 

20,513 

18,902 

NA 

97,632 

8,819 

6,864 

111,465 

1,850 

31,227 

49,508 

15,769 

16,811 

20,234 

24,989 

42,053 

26,038 

84,922 

18,800 

4,963 

4,630 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

NA 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

78.3 

69.9 

78.4 

72.6 

73.3 

73.6 

71.8 

NA 

75.8 

76.6 

70.5 

75.5 

77.0 

72.7 

74.8 

80.4 

78.4 

75.9 

77.6 

75.0 

74.1 

74.8 

78.0 

81.8 

72.5 

68.6 

72.4 

72.3 

74.6 

74.9 

59.9 

68.6 

NA 

70.4 

63.4 

69.7 

70.0 

56.3 

73.0 

72.2 

59.4 

66.8 

73.5 

67.2 

67.3 

73.5 

68.6 

75.2 

73.9 

66.7 

26.7 

27.6 

29.4 

29.2 

27.6 

23.1 

22.5 

NA 

27.7 

22.3 

23.0 

27.1 

16.9 

27.9 

27.4 

23.0 

27.7 

25.3 

24.6 

27.7 

29.4 

25.9 

31.0 

34.5 

22.6 

62.2 

56.8 

68.4 

56.4 

55.7 

47.7 

54.6 

NA 

61.3 

57.1 

52.2 

61.0 

25.4 

62.3 

65.0 

46.0 

57.1 

60.3 

58.4 

57.8 

66.6 

59.4 

66.6 

64.6 

49.5 

29.4 

37.0 

34.6 

33.2 

36.9 

22.9 

31.1 

NA 

32.3 

28.6 

30.8 

32.2 

16.9 

35.4 

33.9 

21.9 

29.0 

28.4 

29.9 

32.2 

36.1 

30.1 

40.6 

38.0 

22.4 

1.0 

1.1 

0.6 

1.0 

0.3 

2.6 

1.0 

NA 

1.1 

0.8 

0.7 

1.1 

1.7 

0.9 

0.8 

1.7 

1.5 

0.8 

1.2 

1.2 

1.0 

1.2 

0.7 

0.8 

1.3 

Excludes households with missing information on bank account access methods used. Row percents may not sum to 100 because households were asked to 

select all methods used. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion 

may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding. 

42 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

B.4 Primary Method Used to Access Bank Accounts by Banking Status and Household Characteristics, 

2015 

For all banked households that accessed their account in the past 12 months, row percent 

Characteristics 

Number of 

Households 

(1000s) 

Percent of 

Households 

Bank teller 

(Percent) 

ATM/Kiosk 

(Percent) 

Telephone 

banking 

(Percent) 

Online 

banking 

(Percent) 

Mobile 

banking 

(Percent) 

Other 

(Percent) 

Unknown 

(Percent) 

All 

Unbanked and 

underbanked 

113,315 100.0 28.2 21.0 3.0 36.9 9.5 0.9 0.6 

Banked: 

Underbanked 25,056 100.0 27.8 27.0 3.9 27.6 12.6 0.6 0.5 

Banked: Fully 

banked 

Banked: 

85,351 100.0 28.2 19.2 2.7 39.9 8.7 0.9 0.5 

Underbanked 

status unknown 

Family income 

2,908 100.0 31.5 23.6 2.8 27.6 6.1 1.7 6.7 

Less than $15,000 12,473 100.0 41.7 25.6 4.6 18.0 7.1 2.7 0.4 

$15,000 to 

$30,000 17,896 100.0 40.5 25.0 3.5 20.8 8.1 1.6 0.6 

$30,000 to 

$50,000 22,958 100.0 32.5 23.8 3.7 29.1 9.7 0.7 0.5 

$50,000 to 

$75,000 21,739 100.0 25.8 19.6 2.5 39.7 11.3 0.5 0.7 

At least $75,000 

Education 

38,248 100.0 16.7 16.9 2.0 53.6 9.7 0.4 0.7 

No high school 

diploma 9,844 100.0 50.8 26.4 4.2 11.8 4.0 2.5 0.2 

High school 

diploma 28,451 100.0 38.2 24.4 3.6 24.5 7.5 1.2 0.6 

Some college 34,062 100.0 25.6 21.5 3.4 36.8 11.6 0.7 0.5 

College degree 

Age group 

40,958 100.0 17.9 17.0 1.8 51.5 10.4 0.4 0.9 

15 to 24 years 5,506 100.0 15.9 24.3 2.1 31.4 25.0 0.3 1.0 

25 to 34 years 18,235 100.0 14.3 18.4 2.1 42.6 21.9 0.2 0.5 

35 to 44 years 18,929 100.0 16.9 19.7 2.7 45.8 14.3 0.2 0.5 

45 to 54 years 21,237 100.0 22.9 23.8 2.9 42.0 7.6 0.4 0.4 

55 to 64 years 21,676 100.0 31.7 22.8 3.4 37.3 3.4 0.8 0.8 

65 years or more 

Race/Ethnicity 

27,732 100.0 48.7 19.5 3.6 23.8 1.2 2.4 0.8 

Black 13,905 100.0 30.1 28.2 4.1 25.1 11.3 0.6 0.6 

Hispanic 12,835 100.0 29.3 27.0 3.2 27.2 12.6 0.4 0.3 

Asian 5,711 100.0 25.5 18.4 1.7 44.4 9.0 0.3 0.8 

White 79,378 100.0 27.9 19.0 2.8 40.0 8.6 1.1 0.7 

Other 

Disability status 

1,485 100.0 25.4 22.9 4.1 33.8 12.5 0.6 0.7 

Disabled, age 25 

to 64 8,975 100.0 32.4 27.7 5.4 25.9 6.6 1.4 0.5 

Not disabled, age 

25 to 64 71,102 100.0 20.6 20.5 2.5 43.8 11.9 0.3 0.6 

Not applicable 

(not age 25 to 64) 33,238 100.0 43.3 20.3 3.3 25.0 5.2 2.1 0.8 

43 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

B.4 Primary Method Used to Access Bank Accounts by Banking Status and Household Characteristics, 

2015 

For all banked households that accessed their account in the past 12 months, row percent 

Characteristics 

Number of 

Households 

(1000s) 

Percent of 

Households 

Bank teller 

(Percent) 

ATM/Kiosk 

(Percent) 

Telephone 

banking 

(Percent) 

Online 

banking 

(Percent) 

Mobile 

banking 

(Percent) 

Other 

(Percent) 

Unknown 

(Percent) 

Employment 

status 

Employed 

Unemployed 

Not in labor force 

Homeownership 

Homeowner 

Non-homeowner 

Household type 

Married couple 

Unmarried 

female-headed 

family 

Unmarried maleheaded family 

Female individual 

Male individual 

Other 

Nativity 

U.S.-born 

Foreign-born 

citizen 

Foreign-born noncitizen 

Spanish only 

language 

spoken 

Spanish is not 

only language 

spoken 

Spanish is only 

language spoken 

Metropolitan 

status 

Metropolitan area 

- principal city 

Metropolitan area 

- balance 

Not in 

metropolitan area 

Not identified 

Geographic 

region 

Northeast 

Midwest 

South 

West 

71,556 

2,856 

38,904 

75,565 

37,750 

55,559 

12,882 

5,245 

20,513 

18,902 

NA 

97,632 

8,819 

6,864 

111,465 

1,850 

31,227 

49,508 

15,769 

16,811 

20,234 

24,989 

42,053 

26,038 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

NA 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

20.6 

21.4 

42.6 

30.2 

24.2 

26.2 

25.8 

28.4 

34.8 

28.5 

NA 

27.5 

34.4 

29.0 

27.8 

49.7 

24.6 

24.9 

41.5 

31.9 

27.9 

31.2 

29.7 

23.0 

20.2 

29.6 

21.9 

18.5 

26.2 

18.3 

26.4 

26.8 

20.4 

24.4 

NA 

20.8 

18.8 

27.4 

20.9 

26.6 

23.2 

20.6 

18.9 

20.2 

25.5 

19.1 

20.1 

20.8 

2.4 

1.9 

4.0 

2.9 

3.1 

2.5 

4.2 

2.9 

3.9 

2.5 

NA 

3.1 

2.4 

2.3 

2.9 

4.5 

2.7 

2.9 

3.5 

3.2 

2.4 

3.1 

3.4 

2.6 

43.3 

35.3 

25.2 

39.8 

31.0 

43.4 

30.0 

28.1 

30.4 

31.9 

NA 

37.3 

36.1 

30.8 

37.2 

13.2 

36.9 

40.8 

27.4 

34.0 

35.3 

35.8 

35.5 

41.3 

12.5 

11.4 

3.7 

7.2 

14.0 

8.5 

12.4 

12.6 

7.6 

11.1 

NA 

9.7 

6.9 

9.9 

9.6 

4.8 

11.1 

9.5 

6.7 

8.9 

7.4 

9.1 

10.0 

10.7 

0.4 

0.4 

1.9 

0.8 

1.0 

0.4 

0.7 

0.3 

2.3 

0.9 

NA 

0.9 

0.7 

0.4 

0.9 

1.1 

0.8 

0.7 

1.5 

1.2 

0.7 

1.1 

1.0 

0.7 

0.6 

-

0.7 

0.7 

0.5 

0.6 

0.5 

0.8 

0.6 

0.7 

NA 

0.6 

0.7 

0.3 

0.6 

-

0.7 

0.7 

0.4 

0.6 

0.8 

0.6 

0.4 

1.0 

44 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

B.4 Primary Method Used to Access Bank Accounts by Banking Status and Household Characteristics, 

2015 

For all banked households that accessed their account in the past 12 months, row percent 

Characteristics 

Number of 

Households 

(1000s) 

Percent of 

Households 

Bank teller 

(Percent) 

ATM/Kiosk 

(Percent) 

Telephone 

banking 

(Percent) 

Online 

banking 

(Percent) 

Mobile 

banking 

(Percent) 

Other 

(Percent) 

Unknown 

(Percent) 

Monthly income 

volatility 

Income was 

about the same 

each month 

Income varied 

84,922 100.0 28.6 21.1 3.1 37.3 8.7 1.0 0.4 

somewhat from 

month to month 

Income varied a 

18,800 100.0 25.3 20.5 2.8 37.4 13.0 0.5 0.6 

lot from month to 

month 

4,963 100.0 30.2 19.1 2.5 33.7 13.0 0.5 1.1 

Unknown 4,630 100.0 30.3 24.8 2.3 30.4 5.7 1.3 5.1 

Excludes households with missing information on bank account access methods used. NA indicates that the sample size is too small to produce a precise 

estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of 

rounding. 

45 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

B.5 Bank Teller as Primary Method Used to Access Bank Accounts by Banking Status and Household 

Characteristics, 2013-2015 

For all banked households that accessed their account in the past 12 months 

Characteristics 2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

All 

Unbanked and underbanked 

32.2 28.2 (27.7, 28.6) -4.1* (-4.7, -3.4) 

Banked: Underbanked 29.0 27.8 (26.7, 28.9) -1.3 (-2.6, 0.1) 

Banked: Fully banked 33.0 28.2 (27.6, 28.7) -4.8* (-5.6, -4.0) 

Banked: Underbanked status unknown 

Family income 

38.8 31.5 (28.4, 34.6) -7.4* (-11.7, -3.1) 

Less than $15,000 47.5 41.7 (40.2, 43.1) -5.8* (-8.1, -3.6) 

$15,000 to $30,000 44.9 40.5 (39.2, 41.9) -4.4* (-6.4, -2.4) 

$30,000 to $50,000 35.7 32.5 (31.3, 33.7) -3.3* (-4.8, -1.7) 

$50,000 to $75,000 28.3 25.8 (24.8, 26.9) -2.5* (-3.9, -1.0) 

At least $75,000 

Education 

20.1 16.7 (16.1, 17.4) -3.4* (-4.3, -2.4) 

No high school diploma 55.6 50.8 (48.9, 52.6) -4.8* (-7.3, -2.4) 

High school diploma 41.8 38.2 (37.1, 39.3) -3.6* (-5.1, -2.2) 

Some college 30.2 25.6 (24.7, 26.5) -4.6* (-5.9, -3.4) 

College degree 

Age group 

21.0 17.9 (17.2, 18.7) -3.1* (-4.0, -2.1) 

15 to 24 years 21.1 15.9 (14.1, 17.9) -5.2* (-7.9, -2.4) 

25 to 34 years 17.0 14.3 (13.3, 15.3) -2.8* (-4.3, -1.3) 

35 to 44 years 21.1 16.9 (15.9, 17.9) -4.2* (-5.6, -2.9) 

45 to 54 years 26.7 22.9 (21.8, 24.0) -3.8* (-5.3, -2.3) 

55 to 64 years 36.1 31.7 (30.5, 32.8) -4.4* (-5.9, -3.0) 

65 years or more 

Race/Ethnicity 

54.6 48.7 (47.7, 49.8) -5.9* (-7.4, -4.4) 

Black 33.1 30.1 (28.7, 31.6) -3.0* (-5.0, -1.0) 

Hispanic 34.0 29.3 (27.8, 30.8) -4.7* (-6.9, -2.5) 

Asian 29.7 25.5 (23.1, 28.1) -4.2* (-7.5, -0.8) 

White 32.0 27.9 (27.4, 28.4) -4.1* (-4.8, -3.4) 

Other 

Disability status 

32.0 25.4 (22.1, 29.0) -6.7* (-11.9, -1.4) 

Disabled, age 25 to 64 35.6 32.4 (30.7, 34.2) -3.2* (-5.3, -1.0) 

Not disabled, age 25 to 64 24.5 20.6 (20.0, 21.1) -3.9* (-4.7, -3.2) 

Not applicable (not age 25 to 64) 

Employment status 

49.0 43.3 (42.4, 44.2) -5.7* (-7.1, -4.4) 

Employed 24.7 20.6 (20.0, 21.1) -4.1* (-4.9, -3.3) 

Unemployed 28.7 21.4 (18.7, 24.5) -7.3* (-10.9, -3.6) 

Not in labor force 

Homeownership 

47.1 42.6 (41.7, 43.6) -4.4* (-5.7, -3.1) 

Homeowner 34.1 30.2 (29.6, 30.7) -3.9* (-4.7, -3.1) 

Non-homeowner 28.2 24.2 (23.3, 25.0) -4.0* (-5.3, -2.8) 

46 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

B.5 Bank Teller as Primary Method Used to Access Bank Accounts by Banking Status and Household 

Characteristics, 2013-2015 

For all banked households that accessed their account in the past 12 months 

Characteristics 2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

Household type 

Married couple 

Unmarried female-headed family 

Unmarried male-headed family 

Female individual 

Male individual 

Other 

Nativity 

U.S.-born 

Foreign-born citizen 

Foreign-born non-citizen 

Spanish only language spoken 

Spanish is not only language spoken 

Spanish is only language spoken 

Metropolitan status 

Metropolitan area - principal city 

Metropolitan area - balance 

Not in metropolitan area 

Not identified 

Geographic region 

Northeast 

Midwest 

South 

West 

30.4 

30.2 

34.1 

38.4 

32.2 

NA 

31.6 

37.0 

35.1 

31.9 

54.3 

28.9 

29.1 

44.9 

34.0 

32.9 

35.6 

33.3 

26.4 

26.2 

25.8 

28.4 

34.8 

28.5 

NA 

27.5 

34.4 

29.0 

27.8 

49.7 

24.6 

24.9 

41.5 

31.9 

27.9 

31.2 

29.7 

23.0 

(25.6, 26.9) 

(24.4, 27.3) 

(26.2, 30.8) 

(33.6, 36.0) 

(27.3, 29.6) 

NA 

(27.0, 28.0) 

(32.4, 36.4) 

(26.9, 31.1) 

(27.3, 28.3) 

(45.4, 54.0) 

(23.7, 25.5) 

(24.3, 25.6) 

(39.9, 43.1) 

(30.4, 33.4) 

(26.8, 29.1) 

(30.1, 32.3) 

(28.8, 30.5) 

(22.1, 24.0) 

-4.2* 

-4.3* 

-5.7* 

-3.6* 

-3.7* 

NA 

-4.1* 

-2.6 

-6.2* 

-4.1* 

-4.6 

-4.3* 

-4.2* 

-3.3* 

-2.2* 

-5.0* 

-4.4* 

-3.6* 

-3.4* 

(-5.1, -3.2) 

(-6.2, -2.5) 

(-8.8, -2.5) 

(-5.4, -1.9) 

(-5.5, -2.0) 

NA 

(-4.8, -3.4) 

(-5.3, 0.2) 

(-9.2, -3.1) 

(-4.7, -3.4) 

(-10.3, 1.2) 

(-5.7, -3.0) 

(-5.2, -3.1) 

(-5.6, -1.1) 

(-4.1, -0.3) 

(-6.7, -3.4) 

(-5.8, -3.0) 

(-4.9, -2.4) 

(-4.8, -2.0) 

Excludes households with missing information on bank account access methods used. * indicates differences that are statistically significant at the 10% level. NA 

indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than 

zero. Estimates do not always reconcile to totals because of rounding. 

47 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

B.6 ATM/Kiosk as Primary Method Used to Access Bank Accounts by Banking Status and Household 

Characteristics, 2013-2015 

For all banked households that accessed their account in the past 12 months 

Characteristics 2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

All 

Unbanked and underbanked 

24.4 21.0 (20.5, 21.5) -3.4* (-4.0, -2.7) 

Banked: Underbanked 29.5 27.0 (26.0, 28.1) -2.4* (-3.9, -0.9) 

Banked: Fully banked 23.0 19.2 (18.7, 19.7) -3.8* (-4.5, -3.1) 

Banked: Underbanked status unknown 

Family income 

21.2 23.6 (21.0, 26.5) 2.4 (-1.6, 6.4) 

Less than $15,000 27.1 25.6 (24.2, 27.0) -1.5 (-3.4, 0.5) 

$15,000 to $30,000 26.3 25.0 (23.8, 26.1) -1.4 (-3.0, 0.3) 

$30,000 to $50,000 26.3 23.8 (22.8, 24.8) -2.5* (-3.8, -1.1) 

$50,000 to $75,000 24.0 19.6 (18.6, 20.6) -4.4* (-5.8, -3.0) 

At least $75,000 

Education 

21.4 16.9 (16.1, 17.6) -4.5* (-5.6, -3.5) 

No high school diploma 26.9 26.4 (24.6, 28.3) -0.5 (-3.1, 2.1) 

High school diploma 27.5 24.4 (23.4, 25.3) -3.1* (-4.4, -1.8) 

Some college 24.7 21.5 (20.8, 22.3) -3.2* (-4.3, -2.1) 

College degree 

Age group 

21.1 17.0 (16.3, 17.7) -4.1* (-5.2, -3.1) 

15 to 24 years 27.4 24.3 (22.1, 26.7) -3.1 (-6.3, 0.1) 

25 to 34 years 23.5 18.4 (17.4, 19.5) -5.1* (-6.6, -3.6) 

35 to 44 years 24.5 19.7 (18.7, 20.7) -4.8* (-6.3, -3.2) 

45 to 54 years 27.5 23.8 (22.7, 24.9) -3.7* (-5.2, -2.1) 

55 to 64 years 25.9 22.8 (21.6, 23.9) -3.2* (-4.7, -1.6) 

65 years or more 

Race/Ethnicity 

20.4 19.5 (18.6, 20.4) -0.9 (-2.0, 0.3) 

Black 31.6 28.2 (26.6, 29.8) -3.4* (-5.6, -1.2) 

Hispanic 29.8 27.0 (25.4, 28.7) -2.8* (-5.2, -0.5) 

Asian 21.6 18.4 (16.3, 20.6) -3.2* (-6.2, -0.2) 

White 22.5 19.0 (18.4, 19.5) -3.5* (-4.2, -2.8) 

Other 

Disability status 

29.5 22.9 (19.7, 26.4) -6.6* (-11.7, -1.6) 

Disabled, age 25 to 64 29.3 27.7 (26.1, 29.4) -1.6 (-3.9, 0.8) 

Not disabled, age 25 to 64 25.0 20.5 (19.9, 21.1) -4.5* (-5.3, -3.7) 

Not applicable (not age 25 to 64) 

Employment status 

21.5 20.3 (19.5, 21.1) -1.2* (-2.3, -0.2) 

Employed 24.8 20.2 (19.6, 20.8) -4.6* (-5.4, -3.8) 

Unemployed 27.5 29.6 (26.4, 33.0) 2.1 (-1.9, 6.2) 

Not in labor force 

Homeownership 

23.2 21.9 (21.1, 22.7) -1.3* (-2.3, -0.3) 

Homeowner 22.0 18.5 (17.9, 19.0) -3.6* (-4.3, -2.9) 

Non-homeowner 29.5 26.2 (25.2, 27.1) -3.3* (-4.5, -2.1) 

48 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

B.6 ATM/Kiosk as Primary Method Used to Access Bank Accounts by Banking Status and Household 

Characteristics, 2013-2015 

For all banked households that accessed their account in the past 12 months 

Characteristics 2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

Household type 

Married couple 

Unmarried female-headed family 

Unmarried male-headed family 

Female individual 

Male individual 

Other 

Nativity 

U.S.-born 

Foreign-born citizen 

Foreign-born non-citizen 

Spanish only language spoken 

Spanish is not only language spoken 

Spanish is only language spoken 

Metropolitan status 

Metropolitan area - principal city 

Metropolitan area - balance 

Not in metropolitan area 

Not identified 

Geographic region 

Northeast 

Midwest 

South 

West 

21.8 

31.6 

30.0 

22.5 

28.0 

NA 

24.1 

24.6 

28.2 

24.3 

28.5 

26.8 

23.6 

22.7 

24.0 

29.5 

22.1 

23.2 

24.5 

18.3 

26.4 

26.8 

20.4 

24.4 

NA 

20.8 

18.8 

27.4 

20.9 

26.6 

23.2 

20.6 

18.9 

20.2 

25.5 

19.1 

20.1 

20.8 

(17.7, 19.0) 

(25.0, 27.7) 

(24.5, 29.3) 

(19.3, 21.5) 

(23.3, 25.6) 

NA 

(20.3, 21.3) 

(17.2, 20.4) 

(25.3, 29.6) 

(20.4, 21.4) 

(23.0, 30.6) 

(22.2, 24.2) 

(19.9, 21.3) 

(17.7, 20.2) 

(19.0, 21.5) 

(24.4, 26.7) 

(18.2, 20.1) 

(19.4, 20.9) 

(19.9, 21.7) 

-3.4* 

-5.3* 

-3.2 

-2.1* 

-3.5* 

NA 

-3.3* 

-5.8* 

-0.8 

-3.4* 

-1.9 

-3.6* 

-3.0* 

-3.8* 

-3.8* 

-4.0* 

-2.9* 

-3.1* 

-3.7* 

(-4.3, -2.5) 

(-7.1, -3.4) 

(-6.5, 0.0) 

(-3.5, -0.8) 

(-5.1, -2.0) 

NA 

(-4.0, -2.6) 

(-8.3, -3.4) 

(-3.8, 2.2) 

(-4.0, -2.7) 

(-7.4, 3.7) 

(-4.8, -2.3) 

(-3.9, -2.1) 

(-5.5, -2.1) 

(-5.3, -2.3) 

(-5.6, -2.4) 

(-4.1, -1.7) 

(-4.2, -2.0) 

(-5.1, -2.2) 

Excludes households with missing information on bank account access methods used. * indicates differences that are statistically significant at the 10% level. NA 

indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than 

zero. Estimates do not always reconcile to totals because of rounding. 

49 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

B.7 Telephone Banking as Primary Method Used to Access Bank Accounts by Banking Status and 

Household Characteristics, 2013-2015 

For all banked households that accessed their account in the past 12 months 

Characteristics 2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

All 

Unbanked and underbanked 

3.3 3.0 (2.8, 3.1) -0.4* (-0.6, -0.1) 

Banked: Underbanked 4.6 3.9 (3.5, 4.4) -0.6* (-1.3, 0.0) 

Banked: Fully banked 3.0 2.7 (2.5, 2.9) -0.3* (-0.5, 0.0) 

Banked: Underbanked status unknown 

Family income 

2.8 2.8 (1.9, 4.1) 0.0 (-1.4, 1.4) 

Less than $15,000 4.2 4.6 (4.0, 5.3) 0.4 (-0.4, 1.2) 

$15,000 to $30,000 4.4 3.5 (3.0, 4.0) -0.9* (-1.6, -0.3) 

$30,000 to $50,000 3.7 3.7 (3.3, 4.2) 0.0 (-0.6, 0.6) 

$50,000 to $75,000 3.1 2.5 (2.2, 2.9) -0.5* (-1.0, 0.0) 

At least $75,000 

Education 

2.3 2.0 (1.8, 2.2) -0.3 (-0.7, 0.0) 

No high school diploma 4.0 4.2 (3.6, 4.9) 0.2 (-0.7, 1.1) 

High school diploma 3.8 3.6 (3.3, 4.1) -0.2 (-0.7, 0.3) 

Some college 3.6 3.4 (3.1, 3.8) -0.2 (-0.7, 0.3) 

College degree 

Age group 

2.5 1.8 (1.6, 2.1) -0.7* (-1.0, -0.4) 

15 to 24 years 2.9 2.1 (1.4, 3.1) -0.8 (-2.0, 0.3) 

25 to 34 years 3.1 2.1 (1.8, 2.6) -0.9* (-1.5, -0.4) 

35 to 44 years 3.0 2.7 (2.3, 3.1) -0.3 (-0.8, 0.2) 

45 to 54 years 3.2 2.9 (2.5, 3.4) -0.3 (-0.9, 0.3) 

55 to 64 years 3.5 3.4 (3.0, 3.8) -0.1 (-0.6, 0.5) 

65 years or more 

Race/Ethnicity 

3.8 3.6 (3.2, 4.0) -0.2 (-0.8, 0.4) 

Black 4.8 4.1 (3.5, 4.8) -0.6 (-1.5, 0.2) 

Hispanic 3.6 3.2 (2.6, 3.9) -0.4 (-1.3, 0.4) 

Asian 1.5 1.7 (1.1, 2.7) 0.2 (-0.7, 1.1) 

White 3.2 2.8 (2.6, 3.0) -0.4* (-0.6, -0.1) 

Other 

Disability status 

3.8 4.1 (2.6, 6.3) 0.3 (-2.2, 2.8) 

Disabled, age 25 to 64 5.3 5.4 (4.6, 6.2) 0.1 (-1.0, 1.1) 

Not disabled, age 25 to 64 2.9 2.5 (2.3, 2.7) -0.4* (-0.7, -0.2) 

Not applicable (not age 25 to 64) 

Employment status 

3.6 3.3 (3.0, 3.7) -0.3 (-0.8, 0.2) 

Employed 3.0 2.4 (2.2, 2.7) -0.6* (-0.9, -0.3) 

Unemployed 3.6 1.9 (1.1, 3.2) -1.7* (-3.2, -0.3) 

Not in labor force 

Homeownership 

3.9 4.0 (3.7, 4.3) 0.1 (-0.3, 0.6) 

Homeowner 3.0 2.9 (2.7, 3.1) -0.1 (-0.4, 0.2) 

Non-homeowner 4.0 3.1 (2.8, 3.5) -0.8* (-1.3, -0.4) 

50 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

B.7 Telephone Banking as Primary Method Used to Access Bank Accounts by Banking Status and 

Household Characteristics, 2013-2015 

For all banked households that accessed their account in the past 12 months 

Characteristics 2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

Household type 

Married couple 

Unmarried female-headed family 

Unmarried male-headed family 

Female individual 

Male individual 

Other 

Nativity 

U.S.-born 

Foreign-born citizen 

Foreign-born non-citizen 

Spanish only language spoken 

Spanish is not only language spoken 

Spanish is only language spoken 

Metropolitan status 

Metropolitan area - principal city 

Metropolitan area - balance 

Not in metropolitan area 

Not identified 

Geographic region 

Northeast 

Midwest 

South 

West 

2.7 

4.5 

2.6 

4.9 

2.8 

NA 

3.4 

2.8 

2.4 

3.3 

3.5 

3.4 

3.0 

3.9 

3.4 

2.8 

3.1 

3.9 

2.9 

2.5 

4.2 

2.9 

3.9 

2.5 

NA 

3.1 

2.4 

2.3 

2.9 

4.5 

2.7 

2.9 

3.5 

3.2 

2.4 

3.1 

3.4 

2.6 

(2.3, 2.7) 

(3.7, 4.9) 

(2.1, 3.9) 

(3.5, 4.4) 

(2.1, 2.9) 

NA 

(2.9, 3.3) 

(1.9, 3.1) 

(1.7, 3.1) 

(2.8, 3.1) 

(3.0, 6.8) 

(2.4, 3.1) 

(2.6, 3.1) 

(3.1, 4.0) 

(2.8, 3.7) 

(2.1, 2.8) 

(2.7, 3.5) 

(3.1, 3.7) 

(2.2, 2.9) 

-0.2 

-0.2 

0.3 

-1.0* 

-0.4 

NA 

-0.4* 

-0.4 

-0.1 

-0.4* 

1.1 

-0.7* 

-0.1 

-0.4 

-0.2 

-0.4 

-0.1 

-0.5* 

-0.3 

(-0.5, 0.1) 

(-1.1, 0.6) 

(-0.9, 1.4) 

(-1.7, -0.3) 

(-1.0, 0.2) 

NA 

(-0.6, -0.1) 

(-1.2, 0.5) 

(-1.1, 0.9) 

(-0.6, -0.1) 

(-1.3, 3.4) 

(-1.2, -0.2) 

(-0.5, 0.3) 

(-1.1, 0.3) 

(-0.9, 0.4) 

(-0.9, 0.2) 

(-0.6, 0.5) 

(-1.0, -0.1) 

(-0.9, 0.2) 

Excludes households with missing information on bank account access methods used. * indicates differences that are statistically significant at the 10% level. NA 

indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than 

zero. Estimates do not always reconcile to totals because of rounding. 

51 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

B.8 Online Banking as Primary Method Used to Access Bank Accounts by Banking Status and Household 

Characteristics, 2013-2015 

For all banked households that accessed their account in the past 12 months 

Characteristics 2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

All 

Unbanked and underbanked 

32.9 36.9 (36.3, 37.4) 4.0* (3.3, 4.7) 

Banked: Underbanked 26.6 27.6 (26.6, 28.6) 1.0 (-0.4, 2.4) 

Banked: Fully banked 35.1 39.9 (39.3, 40.5) 4.8* (4.0, 5.6) 

Banked: Underbanked status unknown 

Family income 

23.5 27.6 (24.9, 30.5) 4.0 (0.0, 8.1) 

Less than $15,000 14.5 18.0 (16.7, 19.4) 3.5* (1.7, 5.3) 

$15,000 to $30,000 17.3 20.8 (19.7, 21.9) 3.5* (2.0, 4.9) 

$30,000 to $50,000 26.7 29.1 (28.0, 30.2) 2.4* (0.9, 3.8) 

$50,000 to $75,000 36.8 39.7 (38.5, 40.8) 2.8* (1.4, 4.2) 

At least $75,000 

Education 

49.4 53.6 (52.6, 54.6) 4.2* (3.0, 5.5) 

No high school diploma 8.8 11.8 (10.6, 13.2) 3.0* (1.5, 4.6) 

High school diploma 21.0 24.5 (23.7, 25.3) 3.5* (2.4, 4.7) 

Some college 32.5 36.8 (35.8, 37.8) 4.2* (3.0, 5.5) 

College degree 

Age group 

48.0 51.5 (50.6, 52.5) 3.5* (2.3, 4.7) 

15 to 24 years 27.8 31.4 (28.9, 33.9) 3.6* (0.2, 7.0) 

25 to 34 years 42.5 42.6 (41.2, 44.0) 0.1 (-1.6, 1.8) 

35 to 44 years 41.5 45.8 (44.5, 47.1) 4.3* (2.5, 6.0) 

45 to 54 years 37.7 42.0 (40.8, 43.1) 4.3* (2.7, 5.9) 

55 to 64 years 31.6 37.3 (36.0, 38.6) 5.7* (4.1, 7.4) 

65 years or more 

Race/Ethnicity 

17.8 23.8 (22.9, 24.6) 5.9* (4.9, 7.0) 

Black 21.3 25.1 (23.7, 26.5) 3.7* (1.8, 5.7) 

Hispanic 23.0 27.2 (25.5, 29.0) 4.2* (2.1, 6.3) 

Asian 40.2 44.4 (41.8, 47.0) 4.1* (0.6, 7.7) 

White 35.8 40.0 (39.4, 40.6) 4.2* (3.4, 5.0) 

Other 

Disability status 

29.4 33.8 (29.6, 38.3) 4.4 (-1.5, 10.3) 

Disabled, age 25 to 64 24.8 25.9 (24.3, 27.7) 1.1 (-1.0, 3.3) 

Not disabled, age 25 to 64 39.7 43.8 (43.1, 44.5) 4.1* (3.2, 5.0) 

Not applicable (not age 25 to 64) 

Employment status 

19.5 25.0 (24.2, 25.9) 5.5* (4.5, 6.6) 

Employed 38.9 43.3 (42.6, 43.9) 4.3* (3.4, 5.2) 

Unemployed 31.1 35.3 (32.4, 38.3) 4.2* (0.4, 8.0) 

Not in labor force 

Homeownership 

21.5 25.2 (24.4, 26.0) 3.7* (2.8, 4.6) 

Homeowner 35.4 39.8 (39.1, 40.4) 4.4* (3.5, 5.2) 

Non-homeowner 27.4 31.0 (30.2, 31.9) 3.6* (2.4, 4.8) 

52 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

B.8 Online Banking as Primary Method Used to Access Bank Accounts by Banking Status and Household 

Characteristics, 2013-2015 

For all banked households that accessed their account in the past 12 months 

Characteristics 2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

Household type 

Married couple 

Unmarried female-headed family 

Unmarried male-headed family 

Female individual 

Male individual 

Other 

Nativity 

U.S.-born 

Foreign-born citizen 

Foreign-born non-citizen 

Spanish only language spoken 

Spanish is not only language spoken 

Spanish is only language spoken 

Metropolitan status 

Metropolitan area - principal city 

Metropolitan area - balance 

Not in metropolitan area 

Not identified 

Geographic region 

Northeast 

Midwest 

South 

West 

39.1 

24.9 

23.3 

26.7 

28.4 

NA 

33.6 

30.0 

26.0 

33.2 

8.6 

32.9 

37.0 

23.2 

31.1 

29.4 

33.1 

31.4 

37.9 

43.4 

30.0 

28.1 

30.4 

31.9 

NA 

37.3 

36.1 

30.8 

37.2 

13.2 

36.9 

40.8 

27.4 

34.0 

35.3 

35.8 

35.5 

41.3 

(42.6, 44.2) 

(28.6, 31.5) 

(25.9, 30.4) 

(29.3, 31.5) 

(30.7, 33.1) 

NA 

(36.8, 37.9) 

(34.2, 38.1) 

(28.6, 33.1) 

(36.7, 37.8) 

(10.5, 16.4) 

(35.9, 38.0) 

(40.0, 41.6) 

(25.9, 29.0) 

(32.7, 35.3) 

(34.0, 36.5) 

(34.8, 36.8) 

(34.7, 36.3) 

(40.1, 42.6) 

4.3* 

5.0* 

4.8* 

3.7* 

3.5* 

NA 

3.8* 

6.2* 

4.8* 

4.0* 

4.6* 

4.1* 

3.8* 

4.2* 

2.8* 

5.8* 

2.7* 

4.1* 

3.4* 

(3.3, 5.3) 

(2.9, 7.1) 

(1.5, 8.1) 

(2.0, 5.3) 

(1.6, 5.3) 

NA 

(3.0, 4.5) 

(3.7, 8.7) 

(1.9, 7.7) 

(3.3, 4.7) 

(1.0, 8.1) 

(2.6, 5.5) 

(2.6, 4.9) 

(2.3, 6.2) 

(1.1, 4.5) 

(4.2, 7.4) 

(1.2, 4.1) 

(3.0, 5.2) 

(1.8, 5.1) 

Excludes households with missing information on bank account access methods used. * indicates differences that are statistically significant at the 10% level. NA 

indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than 

zero. Estimates do not always reconcile to totals because of rounding. 

53 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

B.9 Mobile Banking as Primary Method Used to Access Bank Accounts by Banking Status and 

Household Characteristics, 2013-2015 

For all banked households that accessed their account in the past 12 months 

Characteristics 2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

All 

Unbanked and underbanked 

5.7 9.5 (9.2, 9.8) 3.8* (3.4, 4.2) 

Banked: Underbanked 9.5 12.6 (11.8, 13.4) 3.1* (2.1, 4.2) 

Banked: Fully banked 4.7 8.7 (8.3, 9.0) 4.0* (3.5, 4.4) 

Banked: Underbanked status unknown 

Family income 

2.7 6.1 (4.6, 8.0) 3.4* (1.2, 5.5) 

Less than $15,000 4.0 7.1 (6.3, 8.0) 3.0* (2.0, 4.1) 

$15,000 to $30,000 5.3 8.1 (7.3, 8.9) 2.7* (1.8, 3.7) 

$30,000 to $50,000 6.3 9.7 (9.0, 10.5) 3.4* (2.4, 4.3) 

$50,000 to $75,000 6.4 11.3 (10.6, 12.1) 4.9* (3.9, 5.9) 

At least $75,000 

Education 

5.7 9.7 (9.2, 10.3) 4.0* (3.4, 4.7) 

No high school diploma 2.4 4.0 (3.3, 5.0) 1.6* (0.6, 2.6) 

High school diploma 4.3 7.5 (6.9, 8.1) 3.2* (2.5, 3.8) 

Some college 7.4 11.6 (11.0, 12.2) 4.2* (3.5, 5.0) 

College degree 

Age group 

6.2 10.4 (9.9, 10.9) 4.2* (3.6, 4.9) 

15 to 24 years 20.3 25.0 (22.8, 27.4) 4.7* (1.8, 7.6) 

25 to 34 years 13.2 21.9 (20.7, 23.1) 8.7* (7.2, 10.2) 

35 to 44 years 8.9 14.3 (13.4, 15.2) 5.4* (4.3, 6.5) 

45 to 54 years 3.7 7.6 (6.9, 8.3) 3.8* (3.0, 4.7) 

55 to 64 years 1.4 3.4 (2.9, 3.8) 2.0* (1.5, 2.5) 

65 years or more 

Race/Ethnicity 

0.6 1.2 (1.0, 1.5) 0.6* (0.3, 0.9) 

Black 7.8 11.3 (10.2, 12.5) 3.5* (2.1, 4.9) 

Hispanic 8.3 12.6 (11.5, 13.7) 4.3* (2.9, 5.7) 

Asian 5.7 9.0 (7.5, 10.7) 3.3* (1.4, 5.2) 

White 5.0 8.6 (8.3, 9.0) 3.6* (3.2, 4.0) 

Other 

Disability status 

3.7 12.5 (9.5, 16.3) 8.8* (5.0, 12.6) 

Disabled, age 25 to 64 2.7 6.6 (5.6, 7.6) 3.9* (2.7, 5.1) 

Not disabled, age 25 to 64 6.9 11.9 (11.4, 12.3) 5.0* (4.5, 5.5) 

Not applicable (not age 25 to 64) 

Employment status 

3.9 5.2 (4.7, 5.7) 1.3* (0.7, 1.9) 

Employed 7.5 12.5 (12.1, 13.0) 5.0* (4.5, 5.6) 

Unemployed 8.3 11.4 (9.5, 13.7) 3.1* (0.5, 5.7) 

Not in labor force 

Homeownership 

2.0 3.7 (3.3, 4.1) 1.7* (1.2, 2.1) 

Homeowner 3.9 7.2 (6.9, 7.6) 3.3* (2.9, 3.7) 

Non-homeowner 9.6 14.0 (13.3, 14.7) 4.4* (3.5, 5.3) 

54 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

B.9 Mobile Banking as Primary Method Used to Access Bank Accounts by Banking Status and 

Household Characteristics, 2013-2015 

For all banked households that accessed their account in the past 12 months 

Characteristics 2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

Household type 

Married couple 

Unmarried female-headed family 

Unmarried male-headed family 

Female individual 

Male individual 

Other 

Nativity 

U.S.-born 

Foreign-born citizen 

Foreign-born non-citizen 

Spanish only language spoken 

Spanish is not only language spoken 

Spanish is only language spoken 

Metropolitan status 

Metropolitan area - principal city 

Metropolitan area - balance 

Not in metropolitan area 

Not identified 

Geographic region 

Northeast 

Midwest 

South 

West 

4.8 

7.5 

8.8 

5.1 

7.0 

NA 

5.8 

4.1 

6.9 

5.8 

3.5 

6.8 

6.0 

3.2 

5.5 

3.9 

4.4 

6.7 

6.7 

8.5 

12.4 

12.6 

7.6 

11.1 

NA 

9.7 

6.9 

9.9 

9.6 

4.8 

11.1 

9.5 

6.7 

8.9 

7.4 

9.1 

10.0 

10.7 

(8.1, 8.9) 

(11.3, 13.6) 

(10.9, 14.5) 

(6.9, 8.4) 

(10.3, 12.0) 

NA 

(9.3, 10.0) 

(5.9, 8.1) 

(8.5, 11.5) 

(9.2, 9.9) 

(3.3, 7.0) 

(10.4, 11.8) 

(9.0, 10.1) 

(6.0, 7.5) 

(8.2, 9.7) 

(6.7, 8.2) 

(8.5, 9.7) 

(9.4, 10.5) 

(10.0, 11.4) 

3.7* 

4.9* 

3.8* 

2.5* 

4.2* 

NA 

3.9* 

2.8* 

3.0* 

3.8* 

1.3 

4.3* 

3.5* 

3.5* 

3.4* 

3.5* 

4.6* 

3.2* 

3.9* 

(3.1, 4.2) 

(3.6, 6.2) 

(1.6, 6.0) 

(1.6, 3.5) 

(3.1, 5.2) 

NA 

(3.5, 4.3) 

(1.4, 4.2) 

(1.2, 4.8) 

(3.4, 4.2) 

(-1.1, 3.8) 

(3.4, 5.1) 

(2.9, 4.2) 

(2.7, 4.4) 

(2.5, 4.2) 

(2.7, 4.4) 

(3.9, 5.4) 

(2.5, 3.9) 

(3.0, 4.8) 

Excludes households with missing information on bank account access methods used. * indicates differences that are statistically significant at the 10% level. NA 

indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than 

zero. Estimates do not always reconcile to totals because of rounding. 

55 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

B.10 Use of Bank Tellers by Banking Status and Household Characteristics, 2015 

For all banked households that accessed their account in the past 12 months, row percent 

Characteristics 

Number of 

Households 

(1000s) 

Percent of 

Households 

Bank teller only 

(Percent) 

Bank teller and 

other methods 

used (Percent) 

No bank teller but 

other methods 

used (Percent) 

All 

Unbanked and underbanked 

113,315 100.0 14.6 60.9 24.5 

Banked: Underbanked 25,056 100.0 12.8 64.2 23.0 

Banked: Fully banked 85,351 100.0 15.0 60.2 24.8 

Banked: Underbanked status unknown 

Family income 

2,908 100.0 19.3 53.7 27.0 

Less than $15,000 12,473 100.0 27.4 44.3 28.3 

$15,000 to $30,000 17,896 100.0 24.7 52.5 22.8 

$30,000 to $50,000 22,958 100.0 16.8 59.8 23.4 

$50,000 to $75,000 21,739 100.0 11.5 65.0 23.5 

At least $75,000 

Education 

38,248 100.0 6.2 68.6 25.2 

No high school diploma 9,844 100.0 33.6 42.4 24.0 

High school diploma 28,451 100.0 21.9 54.6 23.5 

Some college 34,062 100.0 12.1 63.1 24.8 

College degree 

Age group 

40,958 100.0 7.0 68.0 25.0 

15 to 24 years 5,506 100.0 5.8 60.3 33.9 

25 to 34 years 18,235 100.0 6.1 61.0 32.9 

35 to 44 years 18,929 100.0 7.3 64.6 28.0 

45 to 54 years 21,237 100.0 9.6 67.2 23.3 

55 to 64 years 21,676 100.0 14.8 64.0 21.1 

65 years or more 

Race/Ethnicity 

27,732 100.0 30.6 51.2 18.1 

Black 13,905 100.0 15.5 58.7 25.8 

Hispanic 12,835 100.0 16.0 54.5 29.6 

Asian 5,711 100.0 12.7 59.5 27.8 

White 79,378 100.0 14.4 62.4 23.2 

Other 

Disability status 

1,485 100.0 13.6 62.1 24.3 

Disabled, age 25 to 64 8,975 100.0 17.9 57.6 24.5 

Not disabled, age 25 to 64 71,102 100.0 8.6 65.2 26.2 

Not applicable (not age 25 to 64) 

Employment status 

33,238 100.0 26.5 52.7 20.8 

Employed 71,556 100.0 8.7 65.0 26.3 

Unemployed 2,856 100.0 8.7 67.0 24.4 

Not in labor force 

Homeownership 

38,904 100.0 26.0 52.9 21.1 

Homeowner 75,565 100.0 15.4 63.0 21.7 

Non-homeowner 37,750 100.0 13.1 56.8 30.1 

56 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

B.10 Use of Bank Tellers by Banking Status and Household Characteristics, 2015 

For all banked households that accessed their account in the past 12 months, row percent 

Characteristics 

Number of 

Households 

(1000s) 

Percent of 

Households 

Bank teller only 

(Percent) 

Bank teller and 

other methods 

used (Percent) 

No bank teller but 

other methods 

used (Percent) 

Household type 

Married couple 

Unmarried female-headed family 

Unmarried male-headed family 

Female individual 

Male individual 

Other 

Nativity 

U.S.-born 

Foreign-born citizen 

Foreign-born non-citizen 

Spanish only language spoken 

Spanish is not only language spoken 

Spanish is only language spoken 

Metropolitan status 

Metropolitan area - principal city 

Metropolitan area - balance 

Not in metropolitan area 

Not identified 

Geographic region 

Northeast 

Midwest 

South 

West 

Monthly income volatility 

Income was about the same each month 

Income varied somewhat from month to 

month 

Income varied a lot from month to month 

Unknown 

55,559 

12,882 

5,245 

20,513 

18,902 

NA 

97,632 

8,819 

6,864 

111,465 

1,850 

31,227 

49,508 

15,769 

16,811 

20,234 

24,989 

42,053 

26,038 

84,922 

18,800 

4,963 

4,630 

100.0 

100.0 

100.0 

100.0 

100.0 

NA 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

11.8 

11.6 

11.8 

22.5 

17.2 

NA 

14.1 

19.1 

15.6 

14.3 

32.5 

12.2 

12.4 

23.8 

17.0 

13.8 

16.9 

16.1 

10.6 

15.6 

10.2 

11.5 

17.5 

66.6 

61.0 

61.6 

51.1 

54.6 

NA 

61.6 

57.5 

54.9 

61.2 

44.5 

60.4 

62.5 

56.5 

61.3 

62.1 

60.7 

58.9 

63.5 

59.1 

67.9 

70.3 

55.0 

21.6 

27.4 

26.7 

26.4 

28.2 

NA 

24.2 

23.4 

29.5 

24.5 

23.0 

27.3 

25.2 

19.6 

21.6 

24.1 

22.4 

25.0 

25.9 

25.2 

22.0 

18.2 

27.5 

Excludes households with missing information on bank account access methods used. NA indicates that the sample size is too small to produce a precise 

estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of 

rounding. 

57 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

B.11 Internet Access at Home by Banking Status and Household Characteristics, 2015 

For all households, row percent 

Characteristics 

Number of 

Households 

(1000s) 

Percent of 

Households 

Has access 

(Percent) 

Does not have 

access (Percent) 

Unknown 

(Percent) 

All 

Unbanked and underbanked 

127,538 100.0 72.0 21.0 7.0 

Unbanked 8,969 100.0 27.7 60.3 12.1 

Banked: Underbanked 25,423 100.0 72.8 24.9 2.3 

Banked: Fully banked 86,736 100.0 80.6 17.2 2.2 

Banked: Underbanked status unknown 

Family income 

6,410 100.0 14.3 2.6 83.2 

Less than $15,000 18,046 100.0 40.3 51.0 8.6 

$15,000 to $30,000 21,392 100.0 54.9 37.1 8.0 

$30,000 to $50,000 25,336 100.0 71.3 21.7 7.0 

$50,000 to $75,000 23,003 100.0 82.4 11.2 6.4 

At least $75,000 

Education 

39,761 100.0 90.0 4.1 6.0 

No high school diploma 13,802 100.0 37.3 54.1 8.6 

High school diploma 33,239 100.0 61.5 30.9 7.6 

Some college 37,512 100.0 76.6 17.0 6.5 

College degree 

Age group 

42,985 100.0 87.2 6.4 6.4 

15 to 24 years 6,648 100.0 73.6 19.6 6.9 

25 to 34 years 21,005 100.0 76.9 17.1 5.9 

35 to 44 years 21,640 100.0 78.1 14.5 7.4 

45 to 54 years 23,773 100.0 76.9 16.1 7.0 

55 to 64 years 23,981 100.0 73.6 20.0 6.4 

65 years or more 

Race/Ethnicity 

30,491 100.0 58.8 33.4 7.8 

Black 17,961 100.0 57.5 33.4 9.1 

Hispanic 16,106 100.0 61.2 29.7 9.1 

Asian 6,275 100.0 79.9 12.3 7.8 

White 85,428 100.0 76.6 17.3 6.1 

Other 

Disability status 

1,768 100.0 67.6 27.1 5.4 

Disabled, age 25 to 64 11,497 100.0 55.4 37.5 7.1 

Not disabled, age 25 to 64 78,902 100.0 79.4 14.0 6.6 

Not applicable (not age 25 to 64) 

Employment status 

37,139 100.0 61.5 30.9 7.6 

Employed 78,152 100.0 79.8 13.6 6.6 

Unemployed 3,869 100.0 66.2 26.5 7.3 

Not in labor force 45,517 100.0 59.0 33.4 7.6 

58 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

B.11 Internet Access at Home by Banking Status and Household Characteristics, 2015 

For all households, row percent 

Characteristics 

Number of 

Households 

(1000s) 

Percent of 

Households 

Has access 

(Percent) 

Does not have 

access (Percent) 

Unknown 

(Percent) 

Homeownership 

Homeowner 

Non-homeowner 

Household type 

Married couple 

Unmarried female-headed family 

Unmarried male-headed family 

Female individual 

Male individual 

Other 

Nativity 

U.S.-born 

Foreign-born citizen 

Foreign-born non-citizen 

Spanish only language spoken 

Spanish is not only language spoken 

Spanish is only language spoken 

Metropolitan status 

Metropolitan area - principal city 

Metropolitan area - balance 

Not in metropolitan area 

Not identified 

Geographic region 

Northeast 

Midwest 

South 

West 

Monthly income volatility 

Income was about the same each month 

Income varied somewhat from month to 

month 

Income varied a lot from month to month 

Unknown 

80,685 

46,853 

59,549 

15,998 

6,143 

23,474 

22,100 

NA 

108,671 

9,728 

9,140 

124,675 

2,863 

36,531 

54,619 

17,895 

18,494 

22,699 

27,625 

48,382 

28,832 

91,549 

20,839 

5,781 

9,370 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

NA 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

77.7 

62.1 

82.5 

66.0 

69.6 

59.2 

62.3 

NA 

73.0 

71.3 

60.6 

72.7 

39.7 

69.9 

76.6 

63.6 

70.8 

73.1 

73.0 

68.8 

75.4 

76.4 

80.5 

74.5 

8.3 

15.8 

30.1 

11.4 

26.4 

23.0 

33.2 

29.8 

NA 

20.4 

20.3 

29.8 

20.4 

47.3 

22.1 

16.4 

31.1 

22.9 

18.4 

21.0 

24.6 

17.3 

23.1 

19.1 

25.1 

2.5 

6.5 

7.8 

6.1 

7.7 

7.5 

7.6 

7.9 

NA 

6.6 

8.4 

9.6 

6.8 

13.0 

8.0 

7.0 

5.3 

6.3 

8.5 

6.1 

6.6 

7.3 

0.5 

0.4 

0.5 

89.2 

NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than 

zero. Estimates do not always reconcile to totals because of rounding. 

59 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

B.12 Mobile Phone Access by Banking Status and Household Characteristics, 2015 

For 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 

Unbanked and underbanked 

127,538 100.0 84.2 9.0 6.8 

Unbanked 8,969 100.0 69.0 19.1 11.9 

Banked: Underbanked 25,423 100.0 91.4 6.6 2.0 

Banked: Fully banked 86,736 100.0 88.6 9.3 2.1 

Banked: Underbanked status unknown 

Family income 

6,410 100.0 16.7 1.8 81.6 

Less than $15,000 18,046 100.0 72.3 19.1 8.6 

$15,000 to $30,000 21,392 100.0 77.7 14.6 7.7 

$30,000 to $50,000 25,336 100.0 84.7 8.8 6.6 

$50,000 to $75,000 23,003 100.0 87.3 6.4 6.3 

At least $75,000 

Education 

39,761 100.0 90.9 3.2 5.9 

No high school diploma 13,802 100.0 71.1 20.9 8.1 

High school diploma 33,239 100.0 80.8 11.8 7.4 

Some college 37,512 100.0 86.3 7.4 6.3 

College degree 

Age group 

42,985 100.0 89.1 4.6 6.3 

15 to 24 years 6,648 100.0 88.2 5.6 6.2 

25 to 34 years 21,005 100.0 89.8 4.4 5.8 

35 to 44 years 21,640 100.0 87.9 4.8 7.3 

45 to 54 years 23,773 100.0 87.6 5.7 6.7 

55 to 64 years 23,981 100.0 84.8 8.9 6.2 

65 years or more 

Race/Ethnicity 

30,491 100.0 73.6 18.7 7.7 

Black 17,961 100.0 80.7 10.4 8.9 

Hispanic 16,106 100.0 81.3 10.0 8.8 

Asian 6,275 100.0 84.7 7.6 7.7 

White 85,428 100.0 85.3 8.7 5.9 

Other 

Disability status 

1,768 100.0 88.7 6.7 4.6 

Disabled, age 25 to 64 11,497 100.0 79.8 13.2 7.0 

Not disabled, age 25 to 64 78,902 100.0 88.6 5.0 6.4 

Not applicable (not age 25 to 64) 

Employment status 

37,139 100.0 76.2 16.4 7.5 

Employed 78,152 100.0 89.1 4.5 6.4 

Unemployed 3,869 100.0 87.6 6.0 6.4 

Not in labor force 45,517 100.0 75.4 17.0 7.6 

60 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

B.12 Mobile Phone Access by Banking Status and Household Characteristics, 2015 

For all households, row percent 

Characteristics 

Number of 

Households 

(1000s) 

Percent of 

Households 

Has mobile phone 

(Percent) 

Does not have 

mobile phone 

(Percent) 

Unknown 

(Percent) 

Homeownership 

Homeowner 

Non-homeowner 

Household type 

Married couple 

Unmarried female-headed family 

Unmarried male-headed family 

Female individual 

Male individual 

Other 

Nativity 

U.S.-born 

Foreign-born citizen 

Foreign-born non-citizen 

Spanish only language spoken 

Spanish is not only language spoken 

Spanish is only language spoken 

Metropolitan status 

Metropolitan area - principal city 

Metropolitan area - balance 

Not in metropolitan area 

Not identified 

Geographic region 

Northeast 

Midwest 

South 

West 

Monthly income volatility 

Income was about the same each month 

Income varied somewhat from month to 

month 

Income varied a lot from month to month 

Unknown 

80,685 

46,853 

59,549 

15,998 

6,143 

23,474 

22,100 

NA 

108,671 

9,728 

9,140 

124,675 

2,863 

36,531 

54,619 

17,895 

18,494 

22,699 

27,625 

48,382 

28,832 

91,549 

20,839 

5,781 

9,370 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

NA 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

85.2 

82.3 

87.8 

84.9 

85.4 

76.7 

81.4 

NA 

84.7 

81.9 

80.6 

84.4 

73.1 

83.9 

85.0 

82.2 

84.2 

81.6 

85.0 

84.7 

84.4 

89.0 

93.7 

93.3 

10.1 

8.4 

10.2 

6.2 

7.8 

7.4 

15.8 

11.0 

NA 

8.9 

9.7 

10.0 

8.9 

14.7 

8.4 

8.1 

12.5 

9.8 

10.2 

9.0 

8.9 

8.5 

10.6 

6.1 

6.4 

1.7 

6.4 

7.5 

6.0 

7.3 

7.2 

7.5 

7.6 

NA 

6.4 

8.4 

9.3 

6.7 

12.2 

7.7 

6.9 

5.4 

6.0 

8.2 

6.0 

6.4 

7.1 

0.4 

0.2 

0.3 

88.2 

NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than 

zero. Estimates do not always reconcile to totals because of rounding. 

61 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

B.13 Smartphone Access by Banking Status and Household Characteristics, 2015 

For all households, row percent 

Characteristics 

Number of 

Households 

(1000s) 

Percent of 

Households 

Smartphone 

(Percent) 

Nonsmartphone 

(Percent) 

No mobile 

phone 

(Percent) 

Unknown 

(Percent) 

All 

Unbanked and 

underbanked 

127,538 100.0 67.1 16.7 9.0 7.2 

Unbanked 8,969 100.0 42.9 25.5 19.1 12.5 

Banked: Underbanked 25,423 100.0 75.5 15.5 6.6 2.4 

Banked: Fully banked 86,736 100.0 71.1 17.2 9.3 2.4 

Banked: Underbanked 

status unknown 

Family income 

6,410 100.0 13.3 2.0 1.8 82.9 

Less than $15,000 18,046 100.0 43.9 28.1 19.1 9.0 

$15,000 to $30,000 21,392 100.0 50.6 26.4 14.6 8.3 

$30,000 to $50,000 25,336 100.0 64.6 19.5 8.8 7.1 

$50,000 to $75,000 23,003 100.0 73.9 13.1 6.4 6.6 

At least $75,000 

Education 

39,761 100.0 84.1 6.6 3.2 6.1 

No high school diploma 13,802 100.0 41.4 29.0 20.9 8.8 

High school diploma 33,239 100.0 57.6 22.8 11.8 7.8 

Some college 37,512 100.0 70.5 15.5 7.4 6.7 

College degree 

Age group 

42,985 100.0 79.7 9.1 4.6 6.6 

15 to 24 years 6,648 100.0 82.5 5.1 5.6 6.8 

25 to 34 years 21,005 100.0 84.0 5.6 4.4 6.0 

35 to 44 years 21,640 100.0 80.9 6.9 4.8 7.5 

45 to 54 years 23,773 100.0 75.4 11.8 5.7 7.1 

55 to 64 years 23,981 100.0 63.9 20.4 8.9 6.7 

65 years or more 

Race/Ethnicity 

30,491 100.0 38.2 34.8 18.7 8.3 

Black 17,961 100.0 63.5 16.8 10.4 9.2 

Hispanic 16,106 100.0 66.3 14.3 10.0 9.4 

Asian 6,275 100.0 75.4 8.9 7.6 8.1 

White 85,428 100.0 67.3 17.6 8.7 6.3 

Other 

Disability status 

1,768 100.0 69.3 18.9 6.7 5.2 

Disabled, age 25 to 64 11,497 100.0 54.3 25.1 13.2 7.4 

Not disabled, age 25 to 64 78,902 100.0 78.8 9.5 5.0 6.8 

Not applicable (not age 25 

to 64) 

Employment status 

37,139 100.0 46.2 29.5 16.4 8.0 

Employed 78,152 100.0 79.6 9.2 4.5 6.7 

Unemployed 3,869 100.0 70.5 16.9 6.0 6.6 

Not in labor force 45,517 100.0 45.4 29.5 17.0 8.1 

62 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

B.13 Smartphone Access by Banking Status and Household Characteristics, 2015 

For all households, row percent 

Characteristics 

Number of 

Households 

(1000s) 

Percent of 

Households 

Smartphone 

(Percent) 

Nonsmartphone 

(Percent) 

No mobile 

phone 

(Percent) 

Unknown 

(Percent) 

Homeownership 

Homeowner 

Non-homeowner 

Household type 

Married couple 

Unmarried female-headed 

family 

Unmarried male-headed 

family 

Female individual 

Male individual 

Other 

Nativity 

U.S.-born 

Foreign-born citizen 

Foreign-born non-citizen 

Spanish only language 

spoken 

Spanish is not only language 

spoken 

Spanish is only language 

spoken 

Metropolitan status 

Metropolitan area - principal 

city 

Metropolitan area - balance 

Not in metropolitan area 

Not identified 

Geographic region 

Northeast 

Midwest 

South 

West 

Monthly income volatility 

Income was about the same 

each month 

Income varied somewhat 

from month to month 

Income varied a lot from 

month to month 

Unknown 

80,685 

46,853 

59,549 

15,998 

6,143 

23,474 

22,100 

NA 

108,671 

9,728 

9,140 

124,675 

2,863 

36,531 

54,619 

17,895 

18,494 

22,699 

27,625 

48,382 

28,832 

91,549 

20,839 

5,781 

9,370 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

NA 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

67.8 

65.9 

74.0 

71.2 

73.1 

50.8 

61.0 

NA 

67.2 

65.9 

66.5 

67.5 

46.9 

69.1 

70.3 

56.7 

63.6 

64.0 

66.5 

67.1 

70.0 

69.2 

81.7 

77.6 

7.2 

17.1 

16.0 

13.5 

13.1 

11.9 

25.5 

20.1 

NA 

17.0 

15.6 

13.7 

16.5 

25.3 

14.3 

14.4 

25.0 

20.2 

17.1 

18.1 

17.3 

14.0 

19.5 

11.7 

15.5 

1.6 

8.4 

10.2 

6.2 

7.8 

7.4 

15.8 

11.0 

NA 

8.9 

9.7 

10.0 

8.9 

14.7 

8.4 

8.1 

12.5 

9.8 

10.2 

9.0 

8.9 

8.5 

10.6 

6.1 

6.4 

1.7 

6.8 

7.9 

6.3 

8.0 

7.6 

7.9 

7.9 

NA 

6.8 

8.8 

9.8 

7.0 

13.1 

8.2 

7.2 

5.9 

6.3 

8.7 

6.3 

6.8 

7.4 

0.7 

0.5 

0.4 

89.6 

NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than 

zero. Estimates do not always reconcile to totals because of rounding. 

63 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

B.14 Mobile Phone Access by Banking Status and Household Characteristics, 2013-2015 

For all households 

Characteristics 2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

All 

Unbanked and underbanked 

82.7 84.2 (83.7, 84.6) 1.5* (0.9, 2.0) 

Unbanked 68.1 69.0 (66.9, 71.0) 0.9 (-1.7, 3.6) 

Banked: Underbanked 90.5 91.4 (90.7, 92.0) 0.9 (-0.1, 1.9) 

Banked: Fully banked 86.8 88.6 (88.2, 89.0) 1.8* (1.2, 2.3) 

Banked: Underbanked status 

unknown 

Family income 

22.0 16.7 (14.9, 18.7) -5.3* (-8.0, -2.5) 

Less than $15,000 69.2 72.3 (70.9, 73.7) 3.1* (1.3, 4.9) 

$15,000 to $30,000 74.4 77.7 (76.6, 78.6) 3.3* (1.9, 4.7) 

$30,000 to $50,000 82.3 84.7 (83.9, 85.4) 2.4* (1.3, 3.5) 

$50,000 to $75,000 88.3 87.3 (86.5, 88.1) -1.0 (-2.1, 0.2) 

At least $75,000 

Education 

91.6 90.9 (90.3, 91.5) -0.7 (-1.5, 0.0) 

No high school diploma 67.0 71.1 (69.5, 72.6) 4.0* (1.9, 6.2) 

High school diploma 78.2 80.8 (80.0, 81.7) 2.6* (1.4, 3.9) 

Some college 85.4 86.3 (85.6, 87.0) 0.9 (0.0, 1.9) 

College degree 

Age group 

89.5 89.1 (88.5, 89.7) -0.4 (-1.1, 0.4) 

15 to 24 years 88.9 88.2 (86.3, 89.8) -0.8 (-3.0, 1.5) 

25 to 34 years 89.9 89.8 (89.0, 90.6) 0.0 (-1.1, 1.0) 

35 to 44 years 89.1 87.9 (87.0, 88.8) -1.1* (-2.2, 0.0) 

45 to 54 years 86.6 87.6 (86.8, 88.3) 0.9 (-0.2, 2.1) 

55 to 64 years 83.5 84.8 (83.9, 85.7) 1.3* (0.2, 2.5) 

65 years or more 

Race/Ethnicity 

67.3 73.6 (72.7, 74.4) 6.3* (5.0, 7.5) 

Black 79.1 80.7 (79.4, 81.9) 1.6 (-0.2, 3.4) 

Hispanic 80.0 81.3 (80.0, 82.5) 1.3 (-0.5, 3.0) 

Asian 86.4 84.7 (82.8, 86.4) -1.7 (-4.0, 0.6) 

White 83.7 85.3 (84.9, 85.7) 1.6* (1.1, 2.2) 

Other 

Disability status 

81.1 88.7 (86.0, 90.9) 7.6* (3.9, 11.2) 

Disabled, age 25 to 64 78.2 79.8 (78.3, 81.4) 1.7 (-0.4, 3.8) 

Not disabled, age 25 to 64 88.4 88.6 (88.1, 89.0) 0.2 (-0.5, 0.8) 

Not applicable (not age 25 to 64) 

Employment status 

71.2 76.2 (75.4, 76.9) 5.0* (3.9, 6.0) 

Employed 89.0 89.1 (88.6, 89.6) 0.1 (-0.6, 0.7) 

Unemployed 85.0 87.6 (85.8, 89.2) 2.6* (0.1, 5.0) 

Not in labor force 71.2 75.4 (74.7, 76.1) 4.2* (3.1, 5.2) 

64 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

B.14 Mobile Phone Access by Banking Status and Household Characteristics, 2013-2015 

For all households 

Characteristics 2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

Homeownership 

Homeowner 

Non-homeowner 

Household type 

Married couple 

Unmarried female-headed family 

Unmarried male-headed family 

Female individual 

Male individual 

Other 

Nativity 

U.S.-born 

Foreign-born citizen 

Foreign-born non-citizen 

Spanish only language spoken 

Spanish is not only language spoken 

Spanish is only language spoken 

Metropolitan status 

Metropolitan area - principal city 

Metropolitan area - balance 

Not in metropolitan area 

Not identified 

Geographic region 

Northeast 

Midwest 

South 

West 

83.5 

81.2 

86.8 

84.2 

84.3 

73.2 

79.5 

NA 

83.1 

80.8 

79.2 

83.0 

70.2 

82.3 

84.6 

78.2 

82.8 

81.4 

82.7 

82.9 

83.4 

85.2 

82.3 

87.8 

84.9 

85.4 

76.7 

81.4 

NA 

84.7 

81.9 

80.6 

84.4 

73.1 

83.9 

85.0 

82.2 

84.2 

81.6 

85.0 

84.7 

84.4 

(84.7, 85.8) 

(81.6, 83.0) 

(87.2, 88.4) 

(83.8, 85.9) 

(83.5, 87.1) 

(75.8, 77.6) 

(80.4, 82.4) 

NA 

(84.2, 85.1) 

(80.2, 83.4) 

(78.9, 82.2) 

(84.0, 84.8) 

(69.4, 76.5) 

(83.0, 84.7) 

(84.4, 85.7) 

(81.1, 83.2) 

(83.0, 85.2) 

(80.5, 82.7) 

(84.1, 85.8) 

(84.1, 85.4) 

(83.6, 85.2) 

1.7* 

1.2* 

1.0* 

0.7 

1.1 

3.5* 

1.9* 

NA 

1.5* 

1.1 

1.4 

1.5* 

2.8 

1.6* 

0.4 

3.9* 

1.4 

0.3 

2.2* 

1.9* 

1.0 

(1.0, 2.4) 

(0.2, 2.1) 

(0.3, 1.8) 

(-0.7, 2.1) 

(-1.2, 3.3) 

(2.2, 4.8) 

(0.7, 3.2) 

NA 

(1.0, 2.1) 

(-1.0, 3.1) 

(-0.9, 3.8) 

(0.9, 2.0) 

(-1.8, 7.5) 

(0.4, 2.7) 

(-0.4, 1.2) 

(2.1, 5.7) 

(-0.2, 3.0) 

(-1.2, 1.7) 

(1.0, 3.5) 

(0.9, 2.8) 

(-0.1, 2.1) 

* indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an 

estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding. 

65 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

B.15 Smartphone Access by Banking Status and Household Characteristics, 2013-2015 

For all households 

Characteristics 2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

All 

Unbanked and underbanked 

55.7 67.1 (66.6, 67.6) 11.4* (10.7, 12.1) 

Unbanked 33.1 42.9 (41.1, 44.7) 9.8* (7.2, 12.4) 

Banked: Underbanked 64.5 75.5 (74.4, 76.6) 11.0* (9.5, 12.5) 

Banked: Fully banked 59.0 71.1 (70.6, 71.6) 12.1* (11.3, 12.9) 

Banked: Underbanked status unknown 

Family income 

13.6 13.3 (11.7, 15.2) -0.2 (-2.5, 2.0) 

Less than $15,000 31.3 43.9 (42.5, 45.2) 12.6* (10.8, 14.3) 

$15,000 to $30,000 37.9 50.6 (49.4, 51.8) 12.7* (11.0, 14.3) 

$30,000 to $50,000 51.0 64.6 (63.5, 65.7) 13.6* (12.0, 15.2) 

$50,000 to $75,000 63.4 73.9 (72.9, 74.9) 10.6* (9.0, 12.1) 

At least $75,000 

Education 

77.7 84.1 (83.4, 84.8) 6.3* (5.4, 7.3) 

No high school diploma 30.1 41.4 (39.7, 43.0) 11.3* (9.2, 13.3) 

High school diploma 44.2 57.6 (56.6, 58.6) 13.4* (12.0, 14.8) 

Some college 59.4 70.5 (69.6, 71.3) 11.1* (9.9, 12.4) 

College degree 

Age group 

70.8 79.7 (79.0, 80.4) 8.9* (7.9, 9.9) 

15 to 24 years 76.2 82.5 (80.3, 84.5) 6.2* (3.4, 9.1) 

25 to 34 years 76.5 84.0 (83.0, 84.9) 7.5* (6.0, 9.1) 

35 to 44 years 72.1 80.9 (79.8, 82.0) 8.8* (7.4, 10.3) 

45 to 54 years 62.8 75.4 (74.4, 76.4) 12.6* (11.2, 13.9) 

55 to 64 years 48.7 63.9 (62.8, 65.1) 15.2* (13.6, 16.8) 

65 years or more 

Race/Ethnicity 

23.2 38.2 (37.3, 39.2) 15.0* (13.8, 16.3) 

Black 52.3 63.5 (62.0, 65.0) 11.2* (9.1, 13.3) 

Hispanic 55.7 66.3 (64.9, 67.6) 10.6* (8.8, 12.4) 

Asian 68.0 75.4 (73.3, 77.3) 7.4* (4.5, 10.3) 

White 55.6 67.3 (66.8, 67.9) 11.7* (10.9, 12.5) 

Other 

Disability status 

50.0 69.3 (65.6, 72.7) 19.3* (14.4, 24.2) 

Disabled, age 25 to 64 39.4 54.3 (52.5, 56.2) 15.0* (12.5, 17.5) 

Not disabled, age 25 to 64 68.1 78.8 (78.2, 79.3) 10.7* (9.9, 11.5) 

Not applicable (not age 25 to 64) 

Employment status 

32.8 46.2 (45.2, 47.1) 13.4* (12.1, 14.7) 

Employed 69.1 79.6 (79.0, 80.1) 10.5* (9.6, 11.3) 

Unemployed 57.3 70.5 (67.9, 73.0) 13.2* (9.9, 16.5) 

Not in labor force 31.8 45.4 (44.6, 46.2) 13.6* (12.4, 14.8) 

66 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

B.15 Smartphone Access by Banking Status and Household Characteristics, 2013-2015 

For all households 

Characteristics 2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

Homeownership 

Homeowner 

Non-homeowner 

Household type 

Married couple 

Unmarried female-headed family 

Unmarried male-headed family 

Female individual 

Male individual 

Other 

Nativity 

U.S.-born 

Foreign-born citizen 

Foreign-born non-citizen 

Spanish only language spoken 

Spanish is not only language spoken 

Spanish is only language spoken 

Metropolitan status 

Metropolitan area - principal city 

Metropolitan area - balance 

Not in metropolitan area 

Not identified 

Geographic region 

Northeast 

Midwest 

South 

West 

55.4 

56.3 

62.6 

58.5 

61.0 

39.1 

50.0 

NA 

55.6 

57.5 

54.4 

56.1 

36.2 

58.8 

59.8 

42.0 

52.8 

54.6 

52.1 

56.2 

59.2 

67.8 

65.9 

74.0 

71.2 

73.1 

50.8 

61.0 

NA 

67.2 

65.9 

66.5 

67.5 

46.9 

69.1 

70.3 

56.7 

63.6 

64.0 

66.5 

67.1 

70.0 

(67.2, 68.4) 

(65.0, 66.8) 

(73.3, 74.7) 

(69.8, 72.6) 

(70.9, 75.2) 

(49.6, 52.0) 

(59.8, 62.2) 

NA 

(66.7, 67.8) 

(64.0, 67.8) 

(64.5, 68.5) 

(67.1, 68.0) 

(42.8, 51.0) 

(68.2, 70.0) 

(69.5, 71.1) 

(55.3, 58.1) 

(62.2, 65.0) 

(62.7, 65.3) 

(65.6, 67.5) 

(66.3, 67.8) 

(69.0, 71.0) 

12.4* 

9.6* 

11.4* 

12.7* 

12.0* 

11.7* 

11.0* 

NA 

11.6* 

8.4* 

12.1* 

11.4* 

10.6* 

10.3* 

10.5* 

14.7* 

10.8* 

9.5* 

14.4* 

10.8* 

10.8* 

(11.6, 13.2) 

(8.4, 10.9) 

(10.5, 12.4) 

(10.9, 14.4) 

(9.1, 15.0) 

(10.1, 13.3) 

(9.3, 12.8) 

NA 

(10.8, 12.4) 

(5.9, 10.9) 

(9.4, 14.9) 

(10.7, 12.1) 

(5.5, 15.7) 

(9.0, 11.5) 

(9.4, 11.7) 

(12.7, 16.6) 

(8.8, 12.9) 

(7.7, 11.2) 

(13.1, 15.8) 

(9.7, 12.0) 

(9.3, 12.3) 

* indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an 

estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding. 

67 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

C.1 Prepaid Card Use by Banking Status and Household Characteristics, 2015 

For all households, row percent 

Characteristics Number of 

Households (1000s) 

Percent of 

Households 

Yes 

(Percent) 

No 

(Percent) 

Unknown 

(Percent) 

All 

Unbanked and underbanked 

127,538 100.0 9.8 85.8 4.4 

Unbanked 8,969 100.0 27.1 64.3 8.6 

Banked: Underbanked 25,423 100.0 15.4 84.1 0.4 

Banked: Fully banked 86,736 100.0 6.9 92.9 0.2 

Banked: Underbanked status 

unknown 

Family income 

6,410 100.0 2.2 26.4 71.4 

Less than $15,000 18,046 100.0 14.3 79.9 5.8 

$15,000 to $30,000 21,392 100.0 10.8 84.4 4.8 

$30,000 to $50,000 25,336 100.0 8.8 86.8 4.3 

$50,000 to $75,000 23,003 100.0 9.2 86.4 4.3 

At least $75,000 

Education 

39,761 100.0 8.1 88.2 3.7 

No high school diploma 13,802 100.0 11.0 83.7 5.3 

High school diploma 33,239 100.0 10.3 84.7 5.0 

Some college 37,512 100.0 10.8 85.2 4.0 

College degree 

Age group 

42,985 100.0 8.0 87.9 4.1 

15 to 24 years 6,648 100.0 12.4 82.4 5.2 

25 to 34 years 21,005 100.0 12.6 83.7 3.8 

35 to 44 years 21,640 100.0 11.4 84.1 4.5 

45 to 54 years 23,773 100.0 11.0 84.7 4.3 

55 to 64 years 23,981 100.0 9.3 86.8 3.9 

65 years or more 

Race/Ethnicity 

30,491 100.0 5.5 89.2 5.2 

Black 17,961 100.0 13.9 80.2 5.9 

Hispanic 16,106 100.0 9.6 85.0 5.4 

Asian 6,275 100.0 5.7 88.7 5.5 

White 85,428 100.0 9.1 87.1 3.9 

Other 

Disability status 

1,768 100.0 17.0 79.2 3.9 

Disabled, age 25 to 64 11,497 100.0 15.2 80.7 4.2 

Not disabled, age 25 to 64 78,902 100.0 10.4 85.5 4.1 

Not applicable (not age 25 to 64) 

Employment status 

37,139 100.0 6.8 88.0 5.2 

Employed 78,152 100.0 9.9 85.9 4.1 

Unemployed 3,869 100.0 18.4 77.6 4.0 

Not in labor force 45,517 100.0 8.7 86.3 5.0 

68 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

C.1 Prepaid Card Use by Banking Status and Household Characteristics, 2015 

For all households, row percent 

Characteristics Number of 

Households (1000s) 

Percent of 

Households 

Yes 

(Percent) 

No 

(Percent) 

Unknown 

(Percent) 

Homeownership 

Homeowner 

Non-homeowner 

Household type 

Married couple 

Unmarried female-headed family 

Unmarried male-headed family 

Female individual 

Male individual 

Other 

Nativity 

U.S.-born 

Foreign-born citizen 

Foreign-born non-citizen 

Spanish only language spoken 

Spanish is not only language 

spoken 

Spanish is only language spoken 

Metropolitan status 

Metropolitan area - principal city 

Metropolitan area - balance 

Not in metropolitan area 

Not identified 

Geographic region 

Northeast 

Midwest 

South 

West 

Monthly income volatility 

Income was about the same each 

month 

Income varied somewhat from 

month to month 

Income varied a lot from month to 

month 

Unknown 

80,685 

46,853 

59,549 

15,998 

6,143 

23,474 

22,100 

NA 

108,671 

9,728 

9,140 

124,675 

2,863 

36,531 

54,619 

17,895 

18,494 

22,699 

27,625 

48,382 

28,832 

91,549 

20,839 

5,781 

9,370 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

NA 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

8.0 

12.9 

8.9 

15.4 

13.0 

7.6 

9.4 

NA 

10.1 

6.3 

9.0 

9.8 

8.5 

10.0 

9.1 

11.1 

9.7 

8.4 

10.2 

10.7 

8.8 

9.2 

13.5 

15.5 

3.7 

88.1 

81.8 

87.4 

79.9 

81.4 

86.9 

85.9 

NA 

85.6 

88.6 

84.8 

85.9 

82.7 

84.7 

86.3 

85.7 

86.7 

86.2 

85.8 

85.2 

86.4 

90.4 

85.8 

84.1 

42.1 

3.9 

5.3 

3.7 

4.8 

5.6 

5.5 

4.8 

NA 

4.2 

5.1 

6.2 

4.3 

8.8 

5.3 

4.6 

3.2 

3.5 

5.3 

4.0 

4.1 

4.8 

0.4 

0.7 

0.4 

54.2 

NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than 

zero. Estimates do not always reconcile to totals because of rounding. 

69 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

C.2 Prepaid Card Use by Banking Status and Household Characteristics, 2013-2015 

For all households 

Characteristics 2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

All 

Unbanked and underbanked 

7.9 9.8 (9.4, 10.1) 1.8* (1.4, 2.3) 

Unbanked 22.3 27.1 (25.3, 28.9) 4.8* (2.5, 7.2) 

Banked: Underbanked 13.1 15.4 (14.6, 16.3) 2.3* (1.2, 3.4) 

Banked: Fully banked 5.3 6.9 (6.6, 7.2) 1.6* (1.2, 2.0) 

Banked: Underbanked status 

unknown 

Family income 

0.7 2.2 (1.6, 3.1) 1.5* (0.7, 2.4) 

Less than $15,000 11.4 14.3 (13.4, 15.4) 3.0* (1.7, 4.2) 

$15,000 to $30,000 8.3 10.8 (10.0, 11.6) 2.5* (1.4, 3.5) 

$30,000 to $50,000 8.3 8.8 (8.2, 9.5) 0.6 (-0.3, 1.4) 

$50,000 to $75,000 6.4 9.2 (8.5, 10.0) 2.8* (1.9, 3.6) 

At least $75,000 

Education 

6.5 8.1 (7.6, 8.6) 1.5* (0.8, 2.2) 

No high school diploma 8.9 11.0 (10.0, 12.1) 2.1* (0.8, 3.4) 

High school diploma 8.1 10.3 (9.6, 11.0) 2.2* (1.4, 3.1) 

Some college 8.8 10.8 (10.2, 11.4) 2.0* (1.3, 2.7) 

College degree 

Age group 

6.7 8.0 (7.6, 8.5) 1.4* (0.7, 2.0) 

15 to 24 years 12.7 12.4 (10.8, 14.2) -0.3 (-2.5, 1.9) 

25 to 34 years 10.9 12.6 (11.8, 13.4) 1.6* (0.6, 2.6) 

35 to 44 years 10.3 11.4 (10.6, 12.3) 1.1 (0.0, 2.2) 

45 to 54 years 9.1 11.0 (10.2, 11.8) 1.8* (0.8, 2.8) 

55 to 64 years 6.4 9.3 (8.7, 9.9) 2.9* (2.1, 3.7) 

65 years or more 

Race/Ethnicity 

3.0 5.5 (5.1, 6.1) 2.6* (2.0, 3.1) 

Black 11.5 13.9 (12.8, 15.1) 2.4* (1.0, 3.8) 

Hispanic 7.8 9.6 (8.7, 10.7) 1.9* (0.6, 3.2) 

Asian 4.4 5.7 (4.7, 7.0) 1.3 (-0.2, 2.8) 

White 7.3 9.1 (8.7, 9.4) 1.7* (1.3, 2.2) 

Other 

Disability status 

13.8 17.0 (14.1, 20.2) 3.2 (-1.2, 7.5) 

Disabled, age 25 to 64 12.4 15.2 (14.0, 16.5) 2.8* (1.2, 4.4) 

Not disabled, age 25 to 64 8.7 10.4 (9.9, 10.8) 1.7* (1.1, 2.3) 

Not applicable (not age 25 to 64) 

Employment status 

4.7 6.8 (6.3, 7.3) 2.0* (1.4, 2.7) 

Employed 8.4 9.9 (9.5, 10.4) 1.6* (1.0, 2.1) 

Unemployed 14.8 18.4 (16.2, 20.9) 3.5* (0.8, 6.3) 

Not in labor force 6.2 8.7 (8.2, 9.2) 2.5* (1.9, 3.1) 

70 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

C.2 Prepaid Card Use by Banking Status and Household Characteristics, 2013-2015 

For all households 

Characteristics 2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

Homeownership 

Homeowner 

Non-homeowner 

Household type 

Married couple 

Unmarried female-headed family 

Unmarried male-headed family 

Female individual 

Male individual 

Other 

Nativity 

U.S.-born 

Foreign-born citizen 

Foreign-born non-citizen 

Spanish only language spoken 

Spanish is not only language 

spoken 

Spanish is only language spoken 

Metropolitan status 

Metropolitan area - principal city 

Metropolitan area - balance 

Not in metropolitan area 

Not identified 

Geographic region 

Northeast 

Midwest 

South 

West 

5.9 

11.6 

7.1 

13.1 

10.2 

6.3 

7.2 

NA 

8.3 

4.0 

6.8 

7.9 

6.8 

8.2 

7.2 

8.8 

8.2 

6.6 

8.9 

8.4 

7.1 

8.0 

12.9 

8.9 

15.4 

13.0 

7.6 

9.4 

NA 

10.1 

6.3 

9.0 

9.8 

8.5 

10.0 

9.1 

11.1 

9.7 

8.4 

10.2 

10.7 

8.8 

(7.6, 8.3) 

(12.2, 13.5) 

(8.5, 9.3) 

(14.2, 16.5) 

(11.3, 14.8) 

(6.9, 8.3) 

(8.7, 10.1) 

NA 

(9.8, 10.5) 

(5.3, 7.5) 

(7.8, 10.3) 

(9.4, 10.1) 

(6.6, 10.9) 

(9.4, 10.7) 

(8.7, 9.6) 

(10.2, 12.1) 

(8.9, 10.6) 

(7.7, 9.2) 

(9.5, 10.9) 

(10.2, 11.3) 

(8.1, 9.4) 

2.1* 

1.3* 

1.8* 

2.2* 

2.8* 

1.2* 

2.2* 

NA 

1.8* 

2.2* 

2.2* 

1.9* 

1.7 

1.8* 

1.9* 

2.3* 

1.5* 

1.9* 

1.2* 

2.3* 

1.7* 

(1.6, 2.5) 

(0.5, 2.0) 

(1.2, 2.4) 

(0.8, 3.7) 

(0.5, 5.0) 

(0.4, 2.1) 

(1.1, 3.2) 

NA 

(1.3, 2.3) 

(1.0, 3.5) 

(0.6, 3.7) 

(1.4, 2.3) 

(-0.8, 4.3) 

(0.9, 2.7) 

(1.3, 2.5) 

(1.1, 3.5) 

(0.4, 2.6) 

(0.9, 2.8) 

(0.3, 2.2) 

(1.6, 3.0) 

(0.8, 2.6) 

* indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an 

estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding. 

71 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

C.3 Prepaid Card Use Among Unbanked Households by Household Characteristics, 2015 

For all unbanked households, row percent 

Characteristics Number of 

Households (1000s) 

Percent of 

Households 

Yes 

(Percent) 

No 

(Percent) 

Unknown 

(Percent) 

All 

Family income 

Less than $15,000 

$15,000 to $30,000 

$30,000 to $50,000 

$50,000 to $75,000 

At least $75,000 

Education 

No high school diploma 

High school diploma 

Some college 

College degree 

Age group 

15 to 24 years 

25 to 34 years 

35 to 44 years 

45 to 54 years 

55 to 64 years 

65 years or more 

Race/Ethnicity 

Black 

Hispanic 

Asian 

White 

Other 

Disability status 

Disabled, age 25 to 64 

Not disabled, age 25 to 64 

Not applicable (not age 25 to 64) 

Employment status 

Employed 

Unemployed 

Not in labor force 

Homeownership 

Homeowner 

Non-homeowner 

8,969 

4,624 

2,532 

1,263 

NA 

NA 

3,203 

3,216 

2,056 

494 

868 

2,234 

1,935 

1,587 

1,398 

947 

3,262 

2,614 

NA 

2,645 

NA 

2,023 

5,132 

1,814 

3,878 

889 

4,202 

1,860 

7,109 

100.0 

100.0 

100.0 

100.0 

NA 

NA 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

NA 

100.0 

NA 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

27.1 

28.5 

24.2 

26.8 

NA 

NA 

21.4 

30.7 

30.8 

25.4 

35.7 

33.0 

27.3 

25.9 

22.7 

13.4 

30.9 

16.3 

NA 

32.7 

NA 

30.4 

26.9 

24.0 

29.0 

35.5 

23.6 

21.2 

28.6 

64.3 

63.6 

67.1 

65.9 

NA 

NA 

71.7 

60.1 

60.8 

57.4 

57.1 

59.0 

65.9 

66.6 

67.9 

70.8 

59.6 

75.9 

NA 

58.9 

NA 

62.0 

65.2 

64.3 

63.1 

58.1 

66.6 

67.5 

63.4 

8.6 

7.9 

8.7 

7.3 

NA 

NA 

6.9 

9.2 

8.4 

17.2 

7.2 

8.1 

6.8 

7.5 

9.4 

15.8 

9.5 

7.8 

NA 

8.4 

NA 

7.6 

8.0 

11.7 

7.9 

6.4 

9.8 

11.4 

7.9 

72 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

C.3 Prepaid Card Use Among Unbanked Households by Household Characteristics, 2015 

For all unbanked households, row percent 

Characteristics Number of 

Households (1000s) 

Percent of 

Households 

Yes 

(Percent) 

No 

(Percent) 

Unknown 

(Percent) 

Household type 

Married couple 

Unmarried female-headed family 

Unmarried male-headed family 

Female individual 

Male individual 

Other 

Nativity 

U.S.-born 

Foreign-born citizen 

Foreign-born non-citizen 

Spanish only language spoken 

Spanish is not only language 

spoken 

Spanish is only language spoken 

Metropolitan status 

Metropolitan area - principal city 

Metropolitan area - balance 

Not in metropolitan area 

Not identified 

Geographic region 

Northeast 

Midwest 

South 

West 

Monthly income volatility 

Income was about the same each 

month 

Income varied somewhat from 

month to month 

Income varied a lot from month to 

month 

Unknown 

1,964 

2,586 

605 

1,603 

2,173 

NA 

6,668 

NA 

1,851 

8,082 

887 

3,755 

2,855 

1,364 

995 

1,438 

1,583 

4,233 

1,715 

5,217 

1,814 

744 

1,194 

100.0 

100.0 

100.0 

100.0 

100.0 

NA 

100.0 

NA 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

25.7 

33.3 

28.7 

22.5 

23.8 

NA 

31.7 

NA 

14.2 

29.0 

9.8 

26.0 

26.2 

29.5 

30.4 

25.6 

32.5 

28.4 

20.0 

30.0 

31.1 

31.7 

5.2 

68.7 

59.5 

65.6 

63.8 

66.0 

NA 

59.9 

NA 

75.7 

62.6 

79.5 

64.6 

65.1 

62.8 

62.7 

65.8 

56.5 

64.7 

69.2 

69.5 

67.9 

68.3 

33.6 

5.6 

7.2 

5.7 

13.7 

10.3 

NA 

8.4 

NA 

10.1 

8.4 

10.7 

9.3 

8.8 

7.7 

6.9 

8.6 

11.0 

6.9 

10.8 

0.5 

1.0 

-

61.2 

NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than 

zero. Estimates do not always reconcile to totals because of rounding. 

73 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

C.4 Prepaid Card Use Among Unbanked Households by Household Characteristics, 2013-2015 

For all unbanked households 

Characteristics 2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

All 

Family income 

Less than $15,000 

$15,000 to $30,000 

$30,000 to $50,000 

$50,000 to $75,000 

At least $75,000 

Education 

No high school diploma 

High school diploma 

Some college 

College degree 

Age group 

15 to 24 years 

25 to 34 years 

35 to 44 years 

45 to 54 years 

55 to 64 years 

65 years or more 

Race/Ethnicity 

Black 

Hispanic 

Asian 

White 

Other 

Disability status 

Disabled, age 25 to 64 

Not disabled, age 25 to 64 

Not applicable (not age 25 to 64) 

Employment status 

Employed 

Unemployed 

Not in labor force 

Homeownership 

Homeowner 

Non-homeowner 

22.3 

20.9 

23.3 

28.3 

19.8 

NA 

18.4 

22.4 

30.0 

17.3 

21.1 

25.7 

24.9 

25.0 

18.7 

8.9 

25.1 

12.2 

NA 

28.2 

28.8 

27.9 

22.8 

15.0 

23.2 

27.5 

19.8 

16.1 

24.0 

27.1 

28.5 

24.2 

26.8 

NA 

NA 

21.4 

30.7 

30.8 

25.4 

35.7 

33.0 

27.3 

25.9 

22.7 

13.4 

30.9 

16.3 

NA 

32.7 

NA 

30.4 

26.9 

24.0 

29.0 

35.5 

23.6 

21.2 

28.6 

(25.3, 28.9) 

(26.0, 31.1) 

(21.3, 27.4) 

(22.6, 31.5) 

NA 

NA 

(18.9, 24.1) 

(27.7, 33.8) 

(27.1, 34.7) 

(18.4, 33.9) 

(29.4, 42.5) 

(29.2, 37.0) 

(23.5, 31.5) 

(22.4, 29.7) 

(18.8, 27.0) 

(10.1, 17.4) 

(27.6, 34.3) 

(13.0, 20.1) 

NA 

(30.1, 35.5) 

NA 

(26.5, 34.6) 

(24.4, 29.4) 

(20.4, 28.0) 

(26.4, 31.7) 

(29.6, 41.9) 

(21.1, 26.3) 

(18.1, 24.6) 

(26.7, 30.7) 

4.8* 

7.6* 

0.9 

-1.5 

NA 

NA 

3.0 

8.3* 

0.8 

8.1 

14.6* 

7.3* 

2.4 

0.8 

4.0 

4.5 

5.8* 

4.0* 

NA 

4.5* 

NA 

2.5 

4.0* 

9.1* 

5.7* 

8.1* 

3.8* 

5.1* 

4.7* 

(2.5, 7.2) 

(4.3, 10.8) 

(-3.3, 5.1) 

(-7.8, 4.8) 

NA 

NA 

(-0.3, 6.2) 

(4.5, 12.1) 

(-4.5, 6.1) 

(-1.0, 17.2) 

(6.6, 22.6) 

(2.8, 11.9) 

(-2.9, 7.7) 

(-4.1, 5.8) 

(-1.4, 9.3) 

(-0.2, 9.1) 

(1.4, 10.2) 

(0.2, 7.9) 

NA 

(0.3, 8.7) 

NA 

(-2.8, 7.8) 

(1.1, 7.0) 

(4.4, 13.7) 

(2.5, 9.0) 

(0.6, 15.5) 

(0.2, 7.3) 

(0.5, 9.7) 

(2.2, 7.2) 

74 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

C.4 Prepaid Card Use Among Unbanked Households by Household Characteristics, 2013-2015 

For all unbanked households 

Characteristics 2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

Household type 

Married couple 

Unmarried female-headed family 

Unmarried male-headed family 

Female individual 

Male individual 

Other 

Nativity 

U.S.-born 

Foreign-born citizen 

Foreign-born non-citizen 

Spanish only language spoken 

Spanish is not only language 

spoken 

Spanish is only language spoken 

Metropolitan status 

Metropolitan area - principal city 

Metropolitan area - balance 

Not in metropolitan area 

Not identified 

Geographic region 

Northeast 

Midwest 

South 

West 

20.6 

28.4 

18.7 

20.2 

18.7 

NA 

26.6 

6.0 

9.1 

23.8 

8.0 

21.3 

22.5 

22.3 

25.0 

19.3 

26.7 

23.6 

17.9 

25.7 

33.3 

28.7 

22.5 

23.8 

NA 

31.7 

NA 

14.2 

29.0 

9.8 

26.0 

26.2 

29.5 

30.4 

25.6 

32.5 

28.4 

20.0 

(22.2, 29.5) 

(30.0, 36.6) 

(22.4, 35.9) 

(18.3, 27.2) 

(20.5, 27.3) 

NA 

(29.5, 33.9) 

NA 

(11.2, 17.9) 

(27.1, 31.0) 

(6.4, 14.7) 

(23.0, 29.3) 

(23.1, 29.5) 

(25.2, 34.3) 

(25.0, 36.4) 

(21.0, 30.9) 

(27.8, 37.6) 

(25.8, 31.2) 

(16.4, 24.0) 

5.1* 

4.9* 

10.0* 

2.3 

5.0* 

NA 

5.1* 

NA 

5.1* 

5.2* 

1.8 

4.8* 

3.7 

7.2* 

5.4 

6.3* 

5.8 

4.9* 

2.0 

(0.7, 9.6) 

(0.6, 9.1) 

(2.3, 17.8) 

(-3.0, 7.6) 

(0.6, 9.4) 

NA 

(2.1, 8.1) 

NA 

(1.1, 9.2) 

(2.7, 7.7) 

(-3.4, 7.1) 

(1.2, 8.3) 

(-0.4, 7.8) 

(1.4, 13.0) 

(-1.3, 12.0) 

(0.4, 12.2) 

(-0.2, 11.9) 

(1.3, 8.5) 

(-2.5, 6.6) 

* indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an 

estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding. 

75 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

C.5 Prepaid Card Use by State, 2013-2015 

For all households 

Geography 2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

All 7.9 9.8 (9.4, 10.1) 1.8* (1.4, 2.3) 

State 

AL 6.8 11.9 (10.3, 13.7) 5.1* (2.0, 8.2) 

AK 7.8 7.8 (5.5, 10.9) 0.0 (-3.0, 2.9) 

AZ 6.4 7.3 (5.5, 9.6) 0.9 (-1.7, 3.5) 

AR 10.2 17.7 (14.8, 20.9) 7.4* (3.3, 11.6) 

CA 7.0 8.9 (7.9, 10.1) 1.9* (0.5, 3.4) 

CO 9.4 9.2 (7.2, 11.8) -0.1 (-3.4, 3.1) 

CT 6.5 7.1 (5.1, 9.9) 0.7 (-2.1, 3.5) 

DE 5.8 7.8 (5.8, 10.3) 1.9 (-1.0, 4.8) 

DC 9.0 10.2 (8.3, 12.3) 1.1 (-1.5, 3.8) 

FL 7.6 9.5 (8.2, 11.0) 1.9* (0.1, 3.7) 

GA 9.1 11.3 (9.4, 13.6) 2.2 (-0.4, 4.9) 

HI 3.5 6.2 (4.4, 8.6) 2.8* (0.2, 5.3) 

ID 5.9 9.3 (7.4, 11.7) 3.4* (0.5, 6.3) 

IL 8.0 7.3 (6.1, 8.9) -0.6 (-2.5, 1.2) 

IN 9.0 8.1 (6.5, 10.1) -0.9 (-3.6, 1.8) 

IA 10.1 9.9 (7.5, 13.1) -0.2 (-3.9, 3.5) 

KS 9.8 11.8 (9.2, 14.9) 2.0 (-1.6, 5.6) 

KY 10.2 12.3 (9.7, 15.5) 2.1 (-1.5, 5.8) 

LA 8.2 11.4 (9.2, 14.0) 3.2* (0.4, 5.9) 

ME 8.7 10.3 (7.8, 13.5) 1.6 (-1.6, 4.8) 

MD 6.7 11.0 (8.8, 13.5) 4.2* (1.7, 6.8) 

MA 5.1 8.4 (6.7, 10.4) 3.3* (0.9, 5.8) 

MI 8.2 11.9 (9.7, 14.7) 3.7* (0.8, 6.7) 

MN 8.2 12.7 (9.9, 16.1) 4.5* (1.1, 7.9) 

MS 14.9 11.4 (9.3, 13.9) -3.5 (-7.8, 0.9) 

MO 9.6 12.7 (10.1, 15.8) 3.1 (-0.3, 6.4) 

MT 5.2 8.0 (6.6, 9.8) 2.9 (0.0, 5.8) 

NE 8.1 13.9 (11.1, 17.2) 5.8* (2.3, 9.3) 

NV 7.1 11.1 (8.9, 13.6) 4.0* (0.4, 7.5) 

NH 9.4 7.8 (6.1, 9.9) -1.6 (-4.3, 1.0) 

NJ 7.0 8.1 (6.5, 10.0) 1.1 (-1.3, 3.4) 

NM 9.6 8.4 (6.8, 10.4) -1.2 (-4.7, 2.3) 

NY 6.8 7.9 (6.7, 9.3) 1.1 (-0.7, 2.9) 

NC 6.6 10.0 (8.3, 12.0) 3.5* (1.0, 6.0) 

ND 9.5 11.0 (9.2, 13.0) 1.5 (-1.3, 4.3) 

OH 9.4 9.9 (8.5, 11.4) 0.5 (-1.6, 2.5) 

OK 12.9 13.4 (10.4, 17.2) 0.6 (-3.7, 4.8) 

76 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

C.5 Prepaid Card Use by State, 2013-2015 

For all households 

Geography 2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

OR 7.6 10.1 (8.2, 12.4) 2.5 (-0.6, 5.6) 

PA 6.1 9.8 (7.8, 12.1) 3.7* (1.4, 6.0) 

RI 9.6 10.2 (7.9, 13.1) 0.6 (-2.2, 3.4) 

SC 8.1 9.2 (7.1, 12.0) 1.2 (-2.4, 4.8) 

SD 8.5 10.7 (7.7, 14.7) 2.2 (-1.5, 5.8) 

TN 8.5 12.5 (10.0, 15.6) 4.0* (0.5, 7.5) 

TX 9.3 10.2 (9.0, 11.5) 0.9 (-1.0, 2.7) 

UT 7.6 10.6 (8.0, 13.8) 2.9 (-1.5, 7.3) 

VT 6.8 7.7 (6.1, 9.7) 0.9 (-1.5, 3.4) 

VA 6.3 9.3 (7.3, 11.7) 2.9* (0.2, 5.6) 

WA 6.2 7.2 (5.7, 9.0) 0.9 (-1.4, 3.3) 

WV 6.3 10.2 (6.3, 16.3) 4.0 (-1.4, 9.4) 

WI 10.4 9.2 (7.5, 11.3) -1.2 (-3.8, 1.4) 

WY 7.1 9.9 (7.8, 12.6) 2.8 (-0.2, 5.8) 

* indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an 

estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding. 

77 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

C.6 Prepaid Card Use by MSA, 2013-2015 

For all households 

Geography 2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

All 7.9 9.8 (9.4, 10.1) 1.8* (1.4, 2.3) 

MSA 

Albuquerque, NM 8.6 7.8 (5.6, 10.8) -0.7 (-4.9, 3.5) 

Atlanta-Sandy Springs-Roswell, 

GA~ 8.6 8.6 (6.4, 11.6) 0.0 (-3.5, 3.5) 

Austin-Round Rock, TX 5.5 10.1 (6.2, 15.9) 4.6 (-1.2, 10.3) 

Baltimore-Columbia-Towson, MD 8.2 10.2 (7.0, 14.6) 2.0 (-2.5, 6.4) 

Baton Rouge, LA NA 8.2 (4.9, 13.4) NA NA 

Billings, MT~ NA 9.7 (4.9, 18.1) NA NA 

Birmingham-Hoover, AL 5.4 8.8 (5.8, 13.1) 3.4 (-1.4, 8.3) 

Boise City, ID 4.4 6.2 (3.9, 9.8) 1.9 (-1.8, 5.5) 

Boston-Cambridge-Newton, MANH~ 6.5 9.2 (7.2, 11.8) 2.8 (-0.2, 5.8) 

Bridgeport-Stamford-Norwalk, CT~ 5.1 8.2 (4.5, 14.2) 3.1 (-2.5, 8.6) 

Burlington-South Burlington, VT~ 5.5 9.2 (6.5, 12.9) 3.7 (-1.1, 8.5) 

Charlotte-Concord-Gastonia, NCSC~ 6.2 8.5 (5.8, 12.4) 2.3 (-2.1, 6.7) 

Chicago-Naperville-Elgin, IL-IN-WI 6.5 7.2 (5.7, 9.1) 0.7 (-1.3, 2.8) 

Cincinnati, OH-KY-IN~ 6.3 8.7 (5.8, 13.0) 2.5 (-2.0, 7.0) 

Cleveland-Elyria, OH 7.4 13.1 (9.7, 17.5) 5.7* (1.0, 10.4) 

Columbia, SC 1.8 7.4 (4.1, 13.1) 5.6* (0.8, 10.4) 

Columbus, OH~ 12.3 11.7 (8.5, 15.8) -0.7 (-5.9, 4.6) 

Dallas-Fort Worth-Arlington, TX~ 7.7 12.3 (9.9, 15.1) 4.6* (1.4, 7.8) 

Denver-Aurora-Lakewood, CO 8.6 9.2 (6.4, 13.0) 0.6 (-3.5, 4.6) 

Detroit-Warren-Dearborn, MI 7.5 9.3 (6.8, 12.6) 1.8 (-2.0, 5.8) 

Fargo, ND-MN 11.0 17.2 (12.8, 22.8) 6.2 (-0.9, 13.3) 

Grand Rapids-Wyoming, MI~ 9.2 19.9 (13.5, 28.4) 10.8* (2.4, 19.1) 

Greenville-Anderson-Mauldin, SC~ NA 3.5 (1.5, 8.2) NA NA 

Hartford-West Hartford-East 

Hartford, CT~ 8.2 11.7 (7.6, 17.5) 3.4 (-2.4, 9.3) 

Houston-The Woodlands-Sugar 

Land, TX~ 10.2 8.8 (6.6, 11.7) -1.4 (-4.9, 2.2) 

Indianapolis-Carmel-Anderson, IN~ 11.2 9.7 (6.4, 14.6) -1.5 (-7.1, 4.1) 

Jackson, MS~ NA 13.4 (8.9, 19.5) NA NA 

Kansas City, MO-KS~ 11.4 13.5 (10.3, 17.6) 2.1 (-3.0, 7.3) 

Las Vegas-Henderson-Paradise, NV 7.5 12.1 (9.5, 15.2) 4.6* (0.6, 8.5) 

Little Rock-North Little RockConway, AR 11.8 21.7 (16.5, 28.0) 9.9* (1.6, 18.2) 

Los Angeles-Long Beach-Anaheim, 

CA 5.5 7.3 (5.9, 9.1) 1.9 (-0.2, 3.9) 

Louisville/Jefferson County, KY-IN~ 10.8 8.9 (5.6, 13.9) -1.9 (-8.2, 4.4) 

Manchester-Nashua, NH~ NA 7.4 (4.8, 11.2) NA NA 

Memphis, TN-MS-AR~ 12.4 14.7 (9.5, 21.8) 2.2 (-5.8, 10.2) 

Miami-Fort Lauderdale-West Palm 

Beach, FL 6.2 10.1 (7.5, 13.5) 3.9* (0.2, 7.6) 

78 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

C.6 Prepaid Card Use by MSA, 2013-2015 

For all households 

Geography 2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

Milwaukee-Waukesha-West Allis, WI 12.5 12.2 (8.5, 17.2) -0.3 (-6.4, 5.7) 

Minneapolis-St. Paul-Bloomington, 

MN-WI~ 8.8 12.2 (9.4, 15.7) 3.4 (0.0, 6.9) 

Nashville-Davidson--Murfreesboro-­

Franklin, TN~ 6.0 13.9 (8.4, 22.0) 7.9 (-0.5, 16.2) 

New Haven-Milford, CT~ 5.7 -

New Orleans-Metairie, LA~ 8.1 9.9 (7.0, 13.8) 1.8 (-3.5, 7.1) 

New York-Newark-Jersey City, 

NY-NJ-PA~ 5.6 7.4 (6.3, 8.7) 1.8* (0.3, 3.3) 

Oklahoma City, OK 11.9 17.4 (12.5, 23.9) 5.6 (-1.6, 12.8) 

Omaha-Council Bluffs, NE-IA 10.3 18.1 (13.5, 23.9) 7.8* (1.4, 14.2) 

Orlando-Kissimmee-Sanford, FL 6.1 7.8 (4.9, 12.2) 1.7 (-2.8, 6.1) 

Philadelphia-Camden-Wilmington, 

PA-NJ-DE-MD 4.8 6.6 (4.6, 9.2) 1.8 (-1.0, 4.6) 

Phoenix-Mesa-Scottsdale, AZ 6.7 6.4 (4.5, 9.0) -0.3 (-3.2, 2.6) 

Pittsburgh, PA 9.8 18.1 (12.5, 25.5) 8.3* (1.9, 14.7) 

Portland-South Portland, ME~ 5.2 6.8 (3.6, 12.5) 1.6 (-3.4, 6.5) 

Portland-Vancouver-Hillsboro, 

OR-WA 6.5 11.1 (8.1, 15.2) 4.7* (0.5, 8.8) 

Providence-Warwick, RI-MA~ 9.8 11.7 (9.0, 15.2) 2.0 (-2.8, 6.7) 

Richmond, VA~ 4.1 9.0 (4.7, 16.8) 4.9 (-1.8, 11.6) 

Riverside-San Bernardino-Ontario, 

CA 5.3 11.3 (7.7, 16.1) 5.9* (1.4, 10.4) 

Sacramento--Roseville--ArdenArcade, CA 8.4 10.2 (6.8, 15.1) 1.8 (-3.3, 6.9) 

St. Louis, MO-IL~ 10.8 10.3 (7.4, 14.3) -0.5 (-5.1, 4.1) 

Salisbury, MD-DE~ NA 3.2 (1.5, 7.0) NA NA 

Salt Lake City, UT~ 9.9 8.9 (6.0, 13.1) -1.0 (-5.9, 3.9) 

San Antonio-New Braunfels, TX 10.1 14.9 (10.8, 20.1) 4.7 (-0.9, 10.4) 

San Diego-Carlsbad, CA 8.5 7.5 (5.3, 10.5) -1.0 (-5.0, 2.9) 

San Francisco-Oakland-Hayward, 

CA 7.8 7.5 (5.5, 10.4) -0.2 (-3.4, 3.0) 

Seattle-Tacoma-Bellevue, WA 5.9 6.6 (4.7, 9.3) 0.7 (-2.4, 3.9) 

Sioux Falls, SD 10.3 8.2 (4.0, 16.0) -2.1 (-7.9, 3.6) 

Tampa-St. Petersburg-Clearwater, 

FL 7.7 8.3 (5.7, 11.8) 0.5 (-3.4, 4.5) 

Tucson, AZ NA 7.4 (3.9, 13.5) NA NA 

Tulsa, OK 14.9 11.9 (7.9, 17.6) -3.0 (-9.3, 3.4) 

Urban Honolulu, HI 4.5 6.9 (4.8, 9.9) 2.4 (-0.8, 5.6) 

Virginia Beach-Norfolk-Newport 

News, VA-NC~ 7.0 9.7 (5.9, 15.7) 2.7 (-3.2, 8.6) 

Washington-Arlington-Alexandria, 

DC-VA-MD-WV~ 6.5 9.1 (7.3, 11.4) 2.6* (0.2, 5.0) 

Wichita, KS~ 14.0 17.0 (11.4, 24.5) 3.0 (-5.2, 11.2) 

~ indicates areas with geographic boundary changes between the 2013 and 2015 surveys. See Appendix 1 (FDIC Technical Notes) for details. * indicates 

differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate 

of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding. 

79 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

 

C.7 Sources of Prepaid Cards by Banking Status and Household Characteristics, 2015 

For all households that used prepaid cards in the past 12 months, row percent 

Characteristics 

Number of 

Households 

(1000s) 

Percent of 

Households 

Bank 

location 

or bank 

website 

(Percent) 

Store or 

website 

that is not 

a bank 

(Percent) 

Government 

agency 

(Percent) 

Employer 

payroll 

card 

(Percent) 

Family or 

friends 

(Percent) 

Other 

(Percent) 

Unknown 

(Percent) 

All 

Unbanked and 

underbanked 

Unbanked 

Banked: 

Underbanked 

Banked: Fully 

banked 

Banked: 

Underbanked status 

unknown 

Family income 

Less than $15,000 

$15,000 to $30,000 

$30,000 to $50,000 

$50,000 to $75,000 

At least $75,000 

Education 

No high school 

diploma 

High school diploma 

Some college 

College degree 

Age group 

15 to 24 years 

25 to 34 years 

35 to 44 years 

45 to 54 years 

55 to 64 years 

65 years or more 

Race/Ethnicity 

Black 

Hispanic 

Asian 

White 

Other 

Disability status 

Disabled, age 25 

to 64 

Not disabled, age 25 

to 64 

Not applicable (not 

age 25 to 64) 

12,450 

2,430 

3,926 

5,953 

NA 

2,587 

2,301 

2,241 

2,119 

3,202 

1,516 

3,427 

4,053 

3,454 

825 

2,639 

2,467 

2,603 

2,224 

1,692 

2,492 

1,553 

NA 

7,746 

300 

1,747 

8,186 

2,517 

100.0 

100.0 

100.0 

100.0 

NA 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

NA 

100.0 

100.0 

100.0 

100.0 

100.0 

17.3 

9.3 

18.4 

19.8 

NA 

12.1 

16.6 

21.5 

17.7 

18.8 

16.7 

15.5 

16.7 

20.1 

11.4 

14.3 

16.5 

19.5 

16.6 

23.6 

16.7 

24.8 

NA 

15.5 

19.1 

13.4 

17.4 

19.6 

42.6 

46.5 

47.1 

38.2 

NA 

42.3 

42.0 

42.9 

41.5 

43.6 

41.0 

43.6 

43.2 

41.4 

37.3 

41.4 

46.6 

44.1 

39.4 

42.7 

46.3 

39.8 

NA 

41.8 

53.3 

38.7 

43.9 

41.0 

14.8 

24.8 

13.1 

12.1 

NA 

29.1 

20.5 

7.9 

10.2 

7.2 

29.6 

17.4 

12.8 

8.3 

14.0 

12.9 

14.1 

15.4 

18.5 

13.7 

17.6 

19.4 

NA 

12.9 

13.8 

33.3 

11.2 

13.8 

9.2 

13.8 

9.9 

7.0 

NA 

8.8 

10.8 

9.1 

9.3 

8.3 

6.4 

11.8 

10.5 

6.3 

19.4 

13.5 

8.5 

7.6 

7.9 

2.6 

13.0 

7.1 

NA 

8.6 

6.1 

5.9 

10.2 

8.1 

14.2 

4.4 

13.2 

19.1 

NA 

7.6 

10.0 

16.7 

18.2 

18.3 

6.2 

11.3 

14.8 

19.9 

18.3 

15.5 

14.9 

11.7 

13.2 

14.6 

6.1 

11.5 

NA 

17.7 

8.0 

5.5 

15.6 

15.8 

6.8 

5.2 

4.8 

8.9 

NA 

4.4 

6.1 

6.2 

7.2 

9.6 

4.1 

5.3 

6.4 

10.1 

5.1 

7.2 

5.8 

6.7 

8.4 

6.8 

5.6 

2.6 

NA 

8.3 

2.6 

5.9 

7.2 

6.2 

1.3 

1.0 

1.0 

0.9 

NA 

1.1 

1.6 

1.1 

2.0 

1.0 

1.6 

1.1 

1.6 

1.1 

1.4 

1.2 

1.5 

1.2 

1.1 

1.6 

1.6 

0.9 

NA 

1.4 

2.2 

1.8 

1.2 

1.5 

80 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

 

C.7 Sources of Prepaid Cards by Banking Status and Household Characteristics, 2015 

For all households that used prepaid cards in the past 12 months, row percent 

Characteristics 

Number of 

Households 

(1000s) 

Percent of 

Households 

Bank 

location 

or bank 

website 

(Percent) 

Store or 

website 

that is not 

a bank 

(Percent) 

Government 

agency 

(Percent) 

Employer 

payroll 

card 

(Percent) 

Family or 

friends 

(Percent) 

Other 

(Percent) 

Unknown 

(Percent) 

Employment 

status 

Employed 

Unemployed 

Not in labor force 

Homeownership 

Homeowner 

Non-homeowner 

Household type 

Married couple 

Unmarried femaleheaded family 

Unmarried maleheaded family 

Female individual 

Male individual 

Other 

Nativity 

U.S.-born 

Foreign-born citizen 

Foreign-born noncitizen 

Spanish only 

language spoken 

Spanish is not only 

language spoken 

Spanish is only 

language spoken 

Metropolitan 

status 

Metropolitan area - 

principal city 

Metropolitan area - 

balance 

Not in metropolitan 

area 

Not identified 

Geographic region 

Northeast 

Midwest 

South 

West 

7,772 

712 

3,966 

6,423 

6,027 

5,295 

2,458 

797 

1,784 

2,070 

NA 

11,020 

611 

819 

12,206 

NA 

3,664 

4,997 

1,989 

1,799 

1,918 

2,814 

5,188 

2,530 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

NA 

100.0 

100.0 

100.0 

100.0 

NA 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

17.4 

10.0 

18.4 

18.3 

16.2 

17.9 

13.7 

17.3 

19.7 

17.8 

NA 

15.8 

31.4 

26.7 

17.1 

NA 

19.4 

18.3 

11.8 

16.4 

18.6 

16.6 

16.1 

19.5 

43.4 

42.8 

41.0 

43.9 

41.1 

42.3 

47.4 

40.9 

40.0 

40.5 

NA 

43.2 

34.6 

40.1 

42.6 

NA 

39.3 

41.7 

53.1 

40.1 

37.4 

42.3 

46.2 

39.3 

9.6 

27.8 

22.8 

10.2 

19.8 

11.5 

20.2 

16.7 

17.8 

13.8 

NA 

14.7 

19.4 

13.3 

14.8 

NA 

17.5 

12.1 

15.7 

16.2 

17.2 

13.0 

13.4 

17.9 

11.7 

10.4 

3.9 

6.5 

12.0 

8.9 

8.9 

16.0 

7.4 

8.8 

NA 

9.5 

6.4 

7.5 

9.3 

NA 

12.6 

7.7 

7.4 

8.2 

10.5 

11.2 

8.8 

6.8 

15.9 

5.8 

12.4 

17.4 

10.8 

15.8 

10.0 

8.5 

17.1 

14.9 

NA 

14.8 

10.1 

9.9 

14.3 

NA 

10.3 

16.8 

13.3 

16.0 

17.1 

15.4 

12.8 

13.6 

7.0 

7.0 

6.4 

7.7 

5.9 

7.9 

5.7 

7.6 

4.8 

7.1 

NA 

7.2 

1.9 

5.9 

7.0 

NA 

6.2 

7.3 

4.9 

9.1 

7.0 

6.5 

6.9 

7.1 

1.4 

0.1 

1.3 

1.4 

1.2 

0.6 

2.1 

2.2 

1.4 

1.9 

NA 

1.4 

1.4 

0.5 

1.3 

NA 

1.6 

1.6 

1.2 

0.3 

1.2 

1.9 

0.9 

1.6 

81 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

 

C.7 Sources of Prepaid Cards by Banking Status and Household Characteristics, 2015 

For all households that used prepaid cards in the past 12 months, row percent 

Characteristics 

Number of 

Households 

(1000s) 

Percent of 

Households 

Bank 

location 

or bank 

website 

(Percent) 

Store or 

website 

that is not 

a bank 

(Percent) 

Government 

agency 

(Percent) 

Employer 

payroll 

card 

(Percent) 

Family or 

friends 

(Percent) 

Other 

(Percent) 

Unknown 

(Percent) 

Monthly income 

volatility 

Income was about 

the same each 

month 

Income varied 

somewhat from 

month to month 

Income varied a lot 

from month to month 

Unknown 

8,396 

2,817 

895 

NA 

100.0 

100.0 

100.0 

NA 

18.9 

13.6 

13.7 

NA 

40.1 

50.3 

42.8 

NA 

16.5 

9.4 

19.8 

NA 

8.5 

12.4 

7.2 

NA 

14.3 

14.8 

11.4 

NA 

6.9 

6.2 

8.4 

NA 

0.7 

1.3 

1.1 

NA 

Row percents may not sum to 100 because households were asked to select all sources of prepaid cards. NA indicates that the sample size is too small to produce a 

precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of 

rounding. 

82 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

D.1 AFS Use by Bank Account Ownership and Household Characteristics, 2015 

For all households, row percent 

Characteristics Number of 

Households (1000s) 

Percent of 

Households 

Yes 

(Percent) 

No 

(Percent) 

Unknown 

(Percent) 

All 

Unbanked 

127,538 100.0 24.0 70.3 5.8 

Unbanked 8,969 100.0 57.3 31.9 10.8 

Has bank account 

Family income 

118,569 100.0 21.4 73.2 5.4 

Less than $15,000 18,046 100.0 38.6 53.9 7.5 

$15,000 to $30,000 21,392 100.0 31.0 62.6 6.4 

$30,000 to $50,000 25,336 100.0 26.6 67.8 5.5 

$50,000 to $75,000 23,003 100.0 21.0 73.5 5.5 

At least $75,000 

Education 

39,761 100.0 13.5 81.4 5.0 

No high school diploma 13,802 100.0 39.0 54.3 6.6 

High school diploma 33,239 100.0 27.8 65.9 6.3 

Some college 37,512 100.0 25.3 69.3 5.4 

College degree 

Age group 

42,985 100.0 15.0 79.6 5.4 

15 to 24 years 6,648 100.0 37.8 55.4 6.8 

25 to 34 years 21,005 100.0 31.1 63.8 5.1 

35 to 44 years 21,640 100.0 28.1 65.8 6.1 

45 to 54 years 23,773 100.0 24.8 69.7 5.5 

55 to 64 years 23,981 100.0 21.8 72.9 5.4 

65 years or more 

Race/Ethnicity 

30,491 100.0 14.1 79.5 6.3 

Black 17,961 100.0 42.2 50.5 7.3 

Hispanic 16,106 100.0 38.5 54.3 7.2 

Asian 6,275 100.0 22.3 69.2 8.5 

White 85,428 100.0 17.3 77.7 5.0 

Other 

Disability status 

1,768 100.0 34.1 60.3 5.5 

Disabled, age 25 to 64 11,497 100.0 38.0 56.0 6.0 

Not disabled, age 25 to 64 78,902 100.0 24.5 70.0 5.5 

Not applicable (not age 25 to 64) 

Employment status 

37,139 100.0 18.4 75.2 6.4 

Employed 78,152 100.0 24.5 70.0 5.5 

Unemployed 3,869 100.0 39.0 55.5 5.5 

Not in labor force 

Homeownership 

45,517 100.0 21.7 71.9 6.3 

Homeowner 80,685 100.0 16.5 78.3 5.2 

Non-homeowner 46,853 100.0 36.7 56.4 6.8 

83 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

D.1 AFS Use by Bank Account Ownership and Household Characteristics, 2015 

For all households, row percent 

Characteristics Number of 

Households (1000s) 

Percent of 

Households 

Yes 

(Percent) 

No 

(Percent) 

Unknown 

(Percent) 

Household type 

Married couple 

Unmarried female-headed family 

Unmarried male-headed family 

Female individual 

Male individual 

Other 

Nativity 

U.S.-born 

Foreign-born citizen 

Foreign-born non-citizen 

Spanish only language spoken 

Spanish is not only language 

spoken 

Spanish is only language spoken 

Metropolitan status 

Metropolitan area - principal city 

Metropolitan area - balance 

Not in metropolitan area 

Not identified 

Geographic region 

Northeast 

Midwest 

South 

West 

Monthly income volatility 

Income was about the same each 

month 

Income varied somewhat from 

month to month 

Income varied a lot from month to 

month 

Unknown 

59,549 

15,998 

6,143 

23,474 

22,100 

NA 

108,671 

9,728 

9,140 

124,675 

2,863 

36,531 

54,619 

17,895 

18,494 

22,699 

27,625 

48,382 

28,832 

91,549 

20,839 

5,781 

9,370 

100.0 

100.0 

100.0 

100.0 

100.0 

NA 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

19.5 

39.3 

33.4 

21.2 

25.1 

NA 

21.9 

27.7 

44.2 

23.5 

45.7 

29.2 

20.5 

25.5 

22.5 

22.8 

20.8 

26.7 

23.2 

22.6 

32.6 

40.3 

8.1 

75.6 

54.1 

60.0 

72.2 

68.5 

NA 

72.7 

65.1 

47.1 

70.9 

43.6 

63.9 

73.7 

70.2 

72.8 

69.9 

74.1 

67.9 

70.8 

76.6 

66.6 

58.6 

23.8 

4.9 

6.6 

6.6 

6.6 

6.4 

NA 

5.4 

7.1 

8.7 

5.7 

10.7 

6.9 

5.9 

4.4 

4.7 

7.3 

5.1 

5.4 

6.0 

0.8 

0.8 

1.1 

68.1 

NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than 

zero. Estimates do not always reconcile to totals because of rounding. 

84 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

D.2 AFS Use by Bank Account Ownership and Household Characteristics, 2013-2015 

For all households 

Characteristics 2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

All 

Unbanked 

24.9 24.0 (23.5, 24.4) -0.9* (-1.5, -0.3) 

Unbanked 63.2 57.3 (55.3, 59.3) -5.9* (-8.6, -3.1) 

Has bank account 

Family income 

21.7 21.4 (21.0, 21.9) -0.2 (-0.9, 0.4) 

Less than $15,000 39.1 38.6 (37.3, 39.9) -0.5 (-2.3, 1.3) 

$15,000 to $30,000 33.1 31.0 (29.9, 32.1) -2.1* (-3.6, -0.6) 

$30,000 to $50,000 26.5 26.6 (25.7, 27.6) 0.1 (-1.3, 1.6) 

$50,000 to $75,000 20.9 21.0 (20.0, 22.0) 0.1 (-1.2, 1.3) 

At least $75,000 

Education 

13.8 13.5 (12.9, 14.2) -0.3 (-1.1, 0.6) 

No high school diploma 39.5 39.0 (37.6, 40.5) -0.4 (-2.4, 1.5) 

High school diploma 28.7 27.8 (26.9, 28.7) -1.0 (-2.3, 0.4) 

Some college 26.9 25.3 (24.5, 26.2) -1.6* (-2.7, -0.4) 

College degree 

Age group 

14.9 15.0 (14.4, 15.6) 0.1 (-0.7, 1.0) 

15 to 24 years 41.5 37.8 (35.4, 40.4) -3.7* (-7.0, -0.3) 

25 to 34 years 33.6 31.1 (29.9, 32.3) -2.5* (-4.3, -0.7) 

35 to 44 years 29.6 28.1 (27.1, 29.1) -1.5* (-2.9, 0.0) 

45 to 54 years 26.7 24.8 (23.8, 25.9) -1.9* (-3.2, -0.5) 

55 to 64 years 20.9 21.8 (20.8, 22.7) 0.8 (-0.5, 2.2) 

65 years or more 

Race/Ethnicity 

13.1 14.1 (13.5, 14.8) 1.1* (0.2, 2.0) 

Black 46.1 42.2 (40.6, 43.8) -3.9* (-6.0, -1.8) 

Hispanic 40.3 38.5 (36.9, 40.1) -1.9 (-4.2, 0.4) 

Asian 18.6 22.3 (20.2, 24.6) 3.8* (0.8, 6.8) 

White 18.1 17.3 (16.8, 17.8) -0.8* (-1.5, -0.1) 

Other 

Disability status 

36.5 34.1 (30.8, 37.6) -2.3 (-7.3, 2.7) 

Disabled, age 25 to 64 38.7 38.0 (36.5, 39.5) -0.7 (-2.7, 1.3) 

Not disabled, age 25 to 64 26.0 24.5 (23.9, 25.2) -1.4* (-2.2, -0.6) 

Not applicable (not age 25 to 64) 

Employment status 

18.2 18.4 (17.7, 19.1) 0.2 (-0.8, 1.2) 

Employed 25.6 24.5 (23.9, 25.1) -1.1* (-1.9, -0.3) 

Unemployed 41.0 39.0 (36.3, 41.8) -2.0 (-5.5, 1.5) 

Not in labor force 

Homeownership 

21.6 21.7 (21.1, 22.4) 0.1 (-0.8, 1.1) 

Homeowner 17.0 16.5 (16.0, 17.1) -0.5 (-1.1, 0.2) 

Non-homeowner 39.4 36.7 (35.9, 37.6) -2.7* (-3.9, -1.5) 

85 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

D.2 AFS Use by Bank Account Ownership and Household Characteristics, 2013-2015 

For all households 

Characteristics 2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

Household type 

Married couple 

Unmarried female-headed family 

Unmarried male-headed family 

Female individual 

Male individual 

Other 

Nativity 

U.S.-born 

Foreign-born citizen 

Foreign-born non-citizen 

Spanish only language spoken 

Spanish is not only language 

spoken 

Spanish is only language spoken 

Metropolitan status 

Metropolitan area - principal city 

Metropolitan area - balance 

Not in metropolitan area 

Not identified 

Geographic region 

Northeast 

Midwest 

South 

West 

20.1 

41.3 

37.5 

21.2 

26.2 

NA 

23.4 

26.9 

42.8 

24.4 

46.3 

29.6 

21.2 

26.3 

24.8 

23.6 

21.0 

29.3 

22.3 

19.5 

39.3 

33.4 

21.2 

25.1 

NA 

21.9 

27.7 

44.2 

23.5 

45.7 

29.2 

20.5 

25.5 

22.5 

22.8 

20.8 

26.7 

23.2 

(18.9, 20.1) 

(37.8, 40.8) 

(31.3, 35.6) 

(20.3, 22.2) 

(24.0, 26.1) 

NA 

(21.4, 22.4) 

(25.9, 29.6) 

(42.2, 46.1) 

(23.0, 23.9) 

(42.3, 49.2) 

(28.3, 30.1) 

(19.8, 21.1) 

(23.9, 27.1) 

(21.3, 23.8) 

(21.7, 23.9) 

(19.8, 21.9) 

(26.0, 27.5) 

(22.3, 24.2) 

-0.6 

-2.0 

-4.1* 

0.1 

-1.2 

NA 

-1.4* 

0.8 

1.4 

-1.0* 

-0.6 

-0.4 

-0.8 

-0.8 

-2.3* 

-0.8 

-0.2 

-2.6* 

0.9 

(-1.4, 0.2) 

(-4.1, 0.2) 

(-7.4, -0.7) 

(-1.3, 1.5) 

(-2.8, 0.5) 

NA 

(-2.1, -0.8) 

(-1.8, 3.4) 

(-1.2, 4.0) 

(-1.6, -0.4) 

(-5.6, 4.4) 

(-1.6, 0.9) 

(-1.7, 0.1) 

(-2.7, 1.1) 

(-4.0, -0.6) 

(-2.2, 0.6) 

(-1.5, 1.2) 

(-3.6, -1.5) 

(-0.5, 2.3) 

* indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an 

estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding. 

86 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

D.3 Transaction AFS Use by Bank Account Ownership and Household Characteristics, 2015 

For all households, row percent 

Characteristics Number of 

Households (1000s) 

Percent of 

Households 

Yes 

(Percent) 

No 

(Percent) 

Unknown 

(Percent) 

All 

Unbanked 

127,538 100.0 20.2 74.2 5.6 

Unbanked 8,969 100.0 54.1 35.3 10.7 

Has bank account 

Family income 

118,569 100.0 17.6 77.2 5.2 

Less than $15,000 18,046 100.0 33.7 59.0 7.3 

$15,000 to $30,000 21,392 100.0 26.8 66.9 6.2 

$30,000 to $50,000 25,336 100.0 21.7 73.0 5.3 

$50,000 to $75,000 23,003 100.0 17.3 77.4 5.4 

At least $75,000 

Education 

39,761 100.0 11.1 84.0 4.9 

No high school diploma 13,802 100.0 34.3 59.3 6.4 

High school diploma 33,239 100.0 23.5 70.3 6.2 

Some college 37,512 100.0 21.0 73.9 5.2 

College degree 

Age group 

42,985 100.0 12.3 82.3 5.3 

15 to 24 years 6,648 100.0 33.0 60.6 6.3 

25 to 34 years 21,005 100.0 26.6 68.4 4.9 

35 to 44 years 21,640 100.0 23.4 70.5 6.1 

45 to 54 years 23,773 100.0 20.5 74.1 5.4 

55 to 64 years 23,981 100.0 18.3 76.5 5.1 

65 years or more 

Race/Ethnicity 

30,491 100.0 11.8 82.1 6.2 

Black 17,961 100.0 37.7 55.2 7.1 

Hispanic 16,106 100.0 34.7 58.3 7.0 

Asian 6,275 100.0 19.5 72.2 8.3 

White 85,428 100.0 13.6 81.5 4.9 

Other 

Disability status 

1,768 100.0 28.5 66.3 5.2 

Disabled, age 25 to 64 11,497 100.0 31.4 62.8 5.8 

Not disabled, age 25 to 64 78,902 100.0 20.7 74.0 5.3 

Not applicable (not age 25 to 64) 

Employment status 

37,139 100.0 15.6 78.2 6.2 

Employed 78,152 100.0 20.7 73.9 5.3 

Unemployed 3,869 100.0 33.5 61.3 5.2 

Not in labor force 

Homeownership 

45,517 100.0 18.1 75.8 6.2 

Homeowner 80,685 100.0 13.5 81.5 5.0 

Non-homeowner 46,853 100.0 31.7 61.7 6.7 

87 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

D.3 Transaction AFS Use by Bank Account Ownership and Household Characteristics, 2015 

For all households, row percent 

Characteristics Number of 

Households (1000s) 

Percent of 

Households 

Yes 

(Percent) 

No 

(Percent) 

Unknown 

(Percent) 

Household type 

Married couple 

Unmarried female-headed family 

Unmarried male-headed family 

Female individual 

Male individual 

Other 

Nativity 

U.S.-born 

Foreign-born citizen 

Foreign-born non-citizen 

Spanish only language spoken 

Spanish is not only language 

spoken 

Spanish is only language spoken 

Metropolitan status 

Metropolitan area - principal city 

Metropolitan area - balance 

Not in metropolitan area 

Not identified 

Geographic region 

Northeast 

Midwest 

South 

West 

Monthly income volatility 

Income was about the same each 

month 

Income varied somewhat from 

month to month 

Income varied a lot from month to 

month 

Unknown 

59,549 

15,998 

6,143 

23,474 

22,100 

NA 

108,671 

9,728 

9,140 

124,675 

2,863 

36,531 

54,619 

17,895 

18,494 

22,699 

27,625 

48,382 

28,832 

91,549 

20,839 

5,781 

9,370 

100.0 

100.0 

100.0 

100.0 

100.0 

NA 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

16.2 

33.9 

28.7 

17.7 

21.2 

NA 

17.9 

25.3 

41.4 

19.6 

43.1 

25.7 

17.3 

20.3 

17.6 

19.6 

17.1 

22.7 

19.2 

18.9 

27.7 

34.3 

6.9 

79.0 

59.9 

65.2 

75.9 

72.4 

NA 

76.8 

67.7 

50.0 

74.9 

46.2 

67.6 

76.9 

75.6 

77.8 

73.0 

78.0 

72.1 

75.1 

80.4 

71.6 

64.7 

25.5 

4.8 

6.1 

6.1 

6.5 

6.4 

NA 

5.2 

7.0 

8.6 

5.5 

10.7 

6.7 

5.8 

4.1 

4.5 

7.3 

4.9 

5.2 

5.7 

0.7 

0.7 

1.0 

67.7 

NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than 

zero. Estimates do not always reconcile to totals because of rounding. 

88 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

D.4 Transaction AFS Use by Bank Account Ownership and Household Characteristics, 2011-2015 

For all households 

Characteristics 2011 

(Percent) 

2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

All 

Unbanked 

23.3 21.9 20.2 (19.8, 20.6) -1.7* (-2.3, -1.2) 

Unbanked 62.1 60.5 54.1 (52.1, 56.1) -6.5* (-9.1, -3.8) 

Has bank account 

Family income 

19.8 18.6 17.6 (17.2, 18.0) -1.0* (-1.6, -0.5) 

Less than $15,000 36.2 35.4 33.7 (32.5, 35.0) -1.6 (-3.4, 0.1) 

$15,000 to $30,000 30.3 29.1 26.8 (25.8, 27.9) -2.2* (-3.8, -0.7) 

$30,000 to $50,000 24.1 22.6 21.7 (20.8, 22.7) -0.8 (-2.1, 0.5) 

$50,000 to $75,000 18.5 17.9 17.3 (16.4, 18.2) -0.6 (-1.7, 0.6) 

At least $75,000 

Education 

13.2 12.5 11.1 (10.5, 11.7) -1.4* (-2.1, -0.6) 

No high school diploma 37.6 36.0 34.3 (32.9, 35.7) -1.7 (-3.5, 0.2) 

High school diploma 26.8 25.0 23.5 (22.7, 24.3) -1.4* (-2.6, -0.3) 

Some college 23.9 23.1 21.0 (20.2, 21.8) -2.1* (-3.2, -1.1) 

College degree 

Age group 

14.0 13.4 12.3 (11.8, 12.9) -1.0* (-1.8, -0.3) 

15 to 24 years 39.9 37.2 33.0 (30.7, 35.5) -4.2* (-7.4, -1.0) 

25 to 34 years 30.6 29.5 26.6 (25.5, 27.7) -2.9* (-4.6, -1.2) 

35 to 44 years 26.8 25.4 23.4 (22.5, 24.4) -1.9* (-3.3, -0.6) 

45 to 54 years 24.4 23.3 20.5 (19.5, 21.5) -2.8* (-4.1, -1.5) 

55 to 64 years 20.0 18.4 18.3 (17.5, 19.3) 0.0 (-1.2, 1.2) 

65 years or more 

Race/Ethnicity 

12.1 12.0 11.8 (11.1, 12.4) -0.2 (-1.1, 0.6) 

Black 44.7 41.9 37.7 (36.2, 39.3) -4.2* (-6.3, -2.1) 

Hispanic 39.5 36.8 34.7 (33.1, 36.3) -2.1 (-4.4, 0.1) 

Asian 16.7 17.3 19.5 (17.6, 21.6) 2.2 (-0.5, 4.9) 

White 16.7 15.4 13.6 (13.2, 14.0) -1.7* (-2.4, -1.1) 

Other 

Disability status 

32.2 32.3 28.5 (25.3, 31.9) -3.8 (-8.6, 1.0) 

Disabled, age 25 to 64 34.5 32.8 31.4 (30.0, 32.8) -1.4 (-3.3, 0.5) 

Not disabled, age 25 to 64 24.0 22.7 20.7 (20.2, 21.3) -2.0* (-2.8, -1.3) 

Not applicable (not age 25 to 64) 

Employment status 

17.6 16.5 15.6 (14.9, 16.2) -1.0* (-1.9, -0.1) 

Employed 23.1 22.4 20.7 (20.2, 21.3) -1.7* (-2.4, -1.0) 

Unemployed 39.0 35.6 33.5 (30.9, 36.3) -2.0 (-5.3, 1.2) 

Not in labor force 

Homeownership 

21.0 19.2 18.1 (17.5, 18.7) -1.1* (-2.0, -0.2) 

Homeowner 16.1 14.7 13.5 (13.0, 14.0) -1.2* (-1.8, -0.6) 

Non-homeowner 37.0 35.2 31.7 (30.9, 32.5) -3.5* (-4.6, -2.4) 

89 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

D.4 Transaction AFS Use by Bank Account Ownership and Household Characteristics, 2011-2015 

For all households 

Characteristics 2011 

(Percent) 

2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

Household type 

Married couple 

Unmarried female-headed family 

Unmarried male-headed family 

Female individual 

Male individual 

Other 

Nativity 

U.S.-born 

Foreign-born citizen 

Foreign-born non-citizen 

Spanish only language spoken 

Spanish is not only language spoken 

Spanish is only language spoken 

Metropolitan status 

Metropolitan area - principal city 

Metropolitan area - balance 

Not in metropolitan area 

Not identified 

Geographic region 

Northeast 

Midwest 

South 

West 

19.2 

38.9 

36.5 

17.9 

24.7 

NA 

21.8 

24.0 

42.1 

22.7 

51.1 

28.1 

20.5 

23.1 

21.8 

21.3 

20.0 

27.2 

21.6 

17.6 

36.0 

33.0 

18.7 

23.5 

NA 

20.1 

25.2 

41.4 

21.4 

45.3 

26.7 

18.8 

22.3 

21.0 

21.7 

18.0 

25.6 

19.5 

16.2 

33.9 

28.7 

17.7 

21.2 

NA 

17.9 

25.3 

41.4 

19.6 

43.1 

25.7 

17.3 

20.3 

17.6 

19.6 

17.1 

22.7 

19.2 

(15.6, 16.8) 

(32.5, 35.4) 

(26.7, 30.8) 

(16.8, 18.5) 

(20.3, 22.1) 

NA 

(17.5, 18.4) 

(23.6, 27.2) 

(39.5, 43.4) 

(19.2, 20.1) 

(39.7, 46.6) 

(24.8, 26.6) 

(16.7, 17.9) 

(18.9, 21.7) 

(16.6, 18.8) 

(18.6, 20.7) 

(16.2, 18.0) 

(22.0, 23.5) 

(18.3, 20.1) 

-1.4* 

-2.1* 

-4.3* 

-1.0 

-2.4* 

NA 

-2.2* 

0.1 

0.0 

-1.7* 

-2.2 

-1.0 

-1.5* 

-2.0* 

-3.4* 

-2.1* 

-0.9 

-2.9* 

-0.3 

(-2.1, -0.6) 

(-4.1, 0.0) 

(-7.5, -1.1) 

(-2.3, 0.2) 

(-3.8, -0.8) 

NA 

(-2.8, -1.6) 

(-2.3, 2.6) 

(-2.6, 2.6) 

(-2.3, -1.2) 

(-7.2, 2.8) 

(-2.2, 0.2) 

(-2.3, -0.7) 

(-3.8, -0.3) 

(-4.9, -1.9) 

(-3.4, -0.7) 

(-2.1, 0.3) 

(-3.9, -1.9) 

(-1.7, 1.1) 

* indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an 

estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding. 

90 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

D.5 Credit AFS Use by Bank Account Ownership and Household Characteristics, 2015 

For all households, row percent 

Characteristics Number of 

Households (1000s) 

Percent of 

Households 

Yes 

(Percent) 

No 

(Percent) 

Unknown 

(Percent) 

All 

Unbanked 

127,538 100.0 7.7 86.9 5.5 

Unbanked 8,969 100.0 16.5 72.9 10.6 

Has bank account 

Family income 

118,569 100.0 7.0 87.9 5.1 

Less than $15,000 18,046 100.0 12.0 80.5 7.5 

$15,000 to $30,000 21,392 100.0 10.2 83.8 6.0 

$30,000 to $50,000 25,336 100.0 9.6 85.1 5.3 

$50,000 to $75,000 23,003 100.0 6.6 88.2 5.2 

At least $75,000 

Education 

39,761 100.0 3.7 91.8 4.6 

No high school diploma 13,802 100.0 11.3 82.2 6.6 

High school diploma 33,239 100.0 9.8 84.2 6.0 

Some college 37,512 100.0 8.7 86.1 5.2 

College degree 

Age group 

42,985 100.0 3.9 91.2 4.9 

15 to 24 years 6,648 100.0 13.1 80.8 6.2 

25 to 34 years 21,005 100.0 11.4 83.7 4.9 

35 to 44 years 21,640 100.0 9.6 84.7 5.6 

45 to 54 years 23,773 100.0 8.0 86.6 5.4 

55 to 64 years 23,981 100.0 5.9 89.1 5.0 

65 years or more 

Race/Ethnicity 

30,491 100.0 3.6 90.4 6.0 

Black 17,961 100.0 12.9 79.6 7.5 

Hispanic 16,106 100.0 9.7 83.5 6.8 

Asian 6,275 100.0 4.6 88.2 7.2 

White 85,428 100.0 6.2 89.1 4.7 

Other 

Disability status 

1,768 100.0 16.1 79.1 4.9 

Disabled, age 25 to 64 11,497 100.0 14.6 79.7 5.7 

Not disabled, age 25 to 64 78,902 100.0 7.8 87.1 5.2 

Not applicable (not age 25 to 64) 

Employment status 

37,139 100.0 5.3 88.7 6.0 

Employed 78,152 100.0 7.8 87.1 5.1 

Unemployed 3,869 100.0 14.9 80.1 4.9 

Not in labor force 

Homeownership 

45,517 100.0 6.8 87.1 6.1 

Homeowner 80,685 100.0 5.1 90.1 4.9 

Non-homeowner 46,853 100.0 12.2 81.4 6.4 

91 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

D.5 Credit AFS Use by Bank Account Ownership and Household Characteristics, 2015 

For all households, row percent 

Characteristics Number of 

Households (1000s) 

Percent of 

Households 

Yes 

(Percent) 

No 

(Percent) 

Unknown 

(Percent) 

Household type 

Married couple 

Unmarried female-headed family 

Unmarried male-headed family 

Female individual 

Male individual 

Other 

Nativity 

U.S.-born 

Foreign-born citizen 

Foreign-born non-citizen 

Spanish only language spoken 

Spanish is not only language spoken 

Spanish is only language spoken 

Metropolitan status 

Metropolitan area - principal city 

Metropolitan area - balance 

Not in metropolitan area 

Not identified 

Geographic region 

Northeast 

Midwest 

South 

West 

Monthly income volatility 

Income was about the same each month 

Income varied somewhat from month to month 

Income varied a lot from month to month 

Unknown 

59,549 

15,998 

6,143 

23,474 

22,100 

NA 

108,671 

9,728 

9,140 

124,675 

2,863 

36,531 

54,619 

17,895 

18,494 

22,699 

27,625 

48,382 

28,832 

91,549 

20,839 

5,781 

9,370 

100.0 

100.0 

100.0 

100.0 

100.0 

NA 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

6.2 

14.5 

9.7 

6.4 

7.4 

NA 

7.9 

4.7 

8.5 

7.7 

7.5 

8.2 

6.1 

9.9 

9.1 

5.6 

7.3 

9.0 

7.4 

6.9 

11.4 

15.7 

2.2 

89.2 

79.1 

83.5 

87.5 

86.6 

NA 

87.0 

88.9 

83.3 

87.0 

81.8 

85.3 

88.3 

86.1 

86.5 

87.9 

87.8 

85.8 

86.9 

92.6 

87.9 

83.7 

31.0 

4.6 

6.4 

6.8 

6.1 

6.0 

NA 

5.1 

6.5 

8.2 

5.3 

10.7 

6.6 

5.5 

4.0 

4.4 

6.5 

4.9 

5.2 

5.6 

0.6 

0.7 

0.6 

66.8 

NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than 

zero. Estimates do not always reconcile to totals because of rounding. 

92 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

D.6 Credit AFS Use by Bank Account Ownership and Household Characteristics, 2013-2015 

For all households 

Characteristics 2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

All 

Unbanked 

7.0 7.7 (7.4, 8.0) 0.6* (0.3, 1.0) 

Unbanked 16.7 16.5 (15.1, 18.0) -0.2 (-2.1, 1.7) 

Has bank account 

Family income 

6.2 7.0 (6.7, 7.3) 0.8* (0.4, 1.1) 

Less than $15,000 11.4 12.0 (11.1, 12.9) 0.6 (-0.6, 1.8) 

$15,000 to $30,000 11.0 10.2 (9.5, 11.0) -0.8 (-1.8, 0.2) 

$30,000 to $50,000 8.1 9.6 (8.9, 10.4) 1.5* (0.6, 2.4) 

$50,000 to $75,000 5.4 6.6 (6.1, 7.2) 1.2* (0.5, 2.0) 

At least $75,000 

Education 

2.6 3.7 (3.4, 4.0) 1.1* (0.7, 1.5) 

No high school diploma 11.4 11.3 (10.4, 12.2) -0.2 (-1.4, 1.1) 

High school diploma 8.6 9.8 (9.2, 10.5) 1.2* (0.5, 2.0) 

Some college 8.8 8.7 (8.2, 9.3) 0.0 (-0.8, 0.7) 

College degree 

Age group 

2.7 3.9 (3.6, 4.3) 1.3* (0.8, 1.7) 

15 to 24 years 12.5 13.1 (11.5, 14.8) 0.5 (-1.8, 2.8) 

25 to 34 years 10.7 11.4 (10.6, 12.3) 0.8 (-0.4, 1.9) 

35 to 44 years 9.6 9.6 (8.9, 10.4) 0.0 (-1.0, 1.1) 

45 to 54 years 8.1 8.0 (7.5, 8.6) -0.1 (-0.9, 0.7) 

55 to 64 years 5.0 5.9 (5.4, 6.4) 0.9* (0.1, 1.6) 

65 years or more 

Race/Ethnicity 

1.9 3.6 (3.2, 4.0) 1.7* (1.2, 2.1) 

Black 13.6 12.9 (11.9, 14.0) -0.6 (-2.0, 0.7) 

Hispanic 9.5 9.7 (8.8, 10.7) 0.3 (-1.0, 1.5) 

Asian 2.4 4.6 (3.6, 6.0) 2.2* (0.8, 3.6) 

White 5.5 6.2 (5.9, 6.5) 0.7* (0.3, 1.1) 

Other 

Disability status 

11.5 16.1 (13.7, 18.8) 4.6* (1.1, 8.0) 

Disabled, age 25 to 64 14.5 14.6 (13.5, 15.8) 0.2 (-1.3, 1.6) 

Not disabled, age 25 to 64 7.4 7.8 (7.4, 8.1) 0.4 (-0.1, 0.8) 

Not applicable (not age 25 to 64) 

Employment status 

3.8 5.3 (4.9, 5.8) 1.5* (0.9, 2.0) 

Employed 7.2 7.8 (7.4, 8.2) 0.6* (0.1, 1.1) 

Unemployed 16.0 14.9 (12.9, 17.3) -1.1 (-3.9, 1.8) 

Not in labor force 

Homeownership 

5.6 6.8 (6.4, 7.3) 1.2* (0.6, 1.8) 

Homeowner 4.2 5.1 (4.8, 5.4) 0.9* (0.5, 1.2) 

Non-homeowner 12.3 12.2 (11.6, 12.7) -0.1 (-0.9, 0.6) 

93 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

D.6 Credit AFS Use by Bank Account Ownership and Household Characteristics, 2013-2015 

For all households 

Characteristics 2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

Household type 

Married couple 

Unmarried female-headed family 

Unmarried male-headed family 

Female individual 

Male individual 

Other 

Nativity 

U.S.-born 

Foreign-born citizen 

Foreign-born non-citizen 

Spanish only language spoken 

Spanish is not only language spoken 

Spanish is only language spoken 

Metropolitan status 

Metropolitan area - principal city 

Metropolitan area - balance 

Not in metropolitan area 

Not identified 

Geographic region 

Northeast 

Midwest 

South 

West 

5.2 

15.1 

12.4 

5.3 

6.2 

NA 

7.4 

3.8 

6.0 

7.1 

4.7 

7.9 

5.5 

8.3 

8.4 

4.3 

6.4 

9.0 

6.4 

6.2 

14.5 

9.7 

6.4 

7.4 

NA 

7.9 

4.7 

8.5 

7.7 

7.5 

8.2 

6.1 

9.9 

9.1 

5.6 

7.3 

9.0 

7.4 

(5.8, 6.6) 

(13.5, 15.6) 

(8.5, 11.2) 

(5.8, 7.0) 

(6.8, 8.0) 

NA 

(7.5, 8.2) 

(3.9, 5.6) 

(7.4, 9.8) 

(7.4, 8.0) 

(5.8, 9.5) 

(7.6, 8.7) 

(5.8, 6.5) 

(9.0, 10.8) 

(8.3, 9.9) 

(5.0, 6.2) 

(6.6, 8.0) 

(8.5, 9.5) 

(6.9, 7.9) 

1.0* 

-0.6 

-2.7* 

1.1* 

1.1* 

NA 

0.5* 

0.8 

2.5* 

0.6* 

2.7* 

0.3 

0.7* 

1.6* 

0.7 

1.3* 

0.9 

0.0 

1.0* 

(0.5, 1.4) 

(-2.0, 0.8) 

(-4.8, -0.5) 

(0.4, 1.9) 

(0.3, 1.9) 

NA 

(0.0, 0.9) 

(-0.2, 1.9) 

(1.1, 4.0) 

(0.2, 1.0) 

(0.5, 5.0) 

(-0.5, 1.0) 

(0.2, 1.1) 

(0.4, 2.7) 

(-0.4, 1.7) 

(0.5, 2.0) 

(0.0, 1.7) 

(-0.7, 0.6) 

(0.3, 1.8) 

* indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an 

estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding. 

94 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

D.7 AFS Use by State, 2013-2015 

For all households 

Geography 2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

All 24.9 24.0 (23.5, 24.4) -0.9* (-1.5, -0.3) 

State 

AL 33.6 31.1 (26.7, 35.9) -2.5 (-8.0, 3.0) 

AK 20.7 28.7 (24.2, 33.7) 8.0* (2.7, 13.3) 

AZ 23.0 22.2 (19.3, 25.5) -0.7 (-5.8, 4.3) 

AR 34.4 29.0 (25.2, 33.1) -5.3* (-9.4, -1.2) 

CA 22.3 22.6 (21.3, 24.1) 0.3 (-1.7, 2.4) 

CO 22.0 20.5 (17.1, 24.3) -1.5 (-6.0, 3.0) 

CT 17.8 16.5 (13.1, 20.5) -1.3 (-5.7, 3.1) 

DE 21.4 17.8 (14.9, 21.1) -3.7 (-7.5, 0.2) 

DC 30.6 31.8 (28.8, 35.0) 1.2 (-3.3, 5.7) 

FL 22.7 20.8 (18.9, 22.8) -1.9 (-4.6, 0.8) 

GA 33.9 32.4 (29.1, 36.0) -1.5 (-5.6, 2.6) 

HI 21.4 17.5 (14.6, 20.9) -3.9 (-8.0, 0.3) 

ID 23.3 25.0 (21.2, 29.2) 1.7 (-3.5, 7.0) 

IL 19.2 18.1 (16.0, 20.4) -1.1 (-4.0, 1.8) 

IN 21.8 20.8 (17.3, 24.9) -0.9 (-5.5, 3.7) 

IA 17.9 20.1 (17.2, 23.3) 2.2 (-2.6, 7.0) 

KS 27.0 22.2 (19.3, 25.5) -4.8* (-9.3, -0.2) 

KY 29.9 24.4 (19.9, 29.6) -5.4 (-12.1, 1.2) 

LA 32.7 32.7 (30.1, 35.3) -0.1 (-4.7, 4.5) 

ME 20.7 18.5 (15.6, 21.7) -2.2 (-6.3, 1.8) 

MD 26.7 25.0 (21.9, 28.4) -1.7 (-5.8, 2.4) 

MA 20.8 19.9 (17.3, 22.7) -0.9 (-5.0, 3.1) 

MI 21.4 23.3 (19.7, 27.3) 1.9 (-2.5, 6.3) 

MN 14.9 15.7 (12.8, 19.2) 0.8 (-2.8, 4.4) 

MS 40.5 32.7 (28.8, 36.8) -7.8* (-13.5, -2.1) 

MO 25.4 27.5 (24.2, 31.2) 2.1 (-2.8, 7.0) 

MT 21.5 15.7 (13.7, 17.9) -5.8* (-10.1, -1.5) 

NE 23.6 24.0 (20.5, 28.0) 0.4 (-4.9, 5.8) 

NV 29.9 32.8 (28.9, 37.0) 2.9 (-2.4, 8.2) 

NH 15.9 19.6 (16.7, 22.8) 3.7 (-0.3, 7.6) 

NJ 25.4 18.7 (16.0, 21.6) -6.7* (-10.2, -3.2) 

NM 30.0 32.6 (28.6, 37.0) 2.6 (-3.4, 8.7) 

NY 24.9 28.7 (26.7, 30.8) 3.8* (1.1, 6.5) 

NC 26.5 24.9 (22.7, 27.3) -1.6 (-5.4, 2.3) 

ND 21.7 22.0 (17.2, 27.6) 0.3 (-5.7, 6.3) 

OH 25.2 21.4 (19.3, 23.7) -3.8* (-6.9, -0.7) 

OK 29.4 32.7 (29.2, 36.4) 3.2 (-2.8, 9.3) 

95 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

D.7 AFS Use by State, 2013-2015 

For all households 

Geography 2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

OR 20.6 23.7 (20.3, 27.5) 3.2 (-1.0, 7.3) 

PA 25.5 21.3 (19.0, 23.9) -4.1* (-7.1, -1.1) 

RI 16.7 18.8 (15.5, 22.6) 2.1 (-2.4, 6.6) 

SC 32.3 29.5 (26.5, 32.7) -2.8 (-6.9, 1.2) 

SD 21.2 23.4 (16.5, 31.9) 2.2 (-6.0, 10.4) 

TN 23.9 24.3 (21.5, 27.4) 0.4 (-3.8, 4.6) 

TX 34.3 29.1 (27.2, 31.0) -5.2* (-8.1, -2.4) 

UT 15.0 23.1 (20.1, 26.5) 8.1* (3.7, 12.4) 

VT 18.4 13.9 (11.6, 16.5) -4.5* (-8.0, -1.1) 

VA 23.4 22.5 (19.2, 26.2) -0.9 (-5.4, 3.5) 

WA 20.2 23.7 (20.5, 27.2) 3.5 (-1.0, 7.9) 

WV 27.2 22.1 (18.8, 25.7) -5.1* (-10.1, 0.0) 

WI 13.3 17.8 (14.1, 22.1) 4.5 (-0.3, 9.2) 

WY 25.2 21.9 (18.7, 25.4) -3.4 (-9.1, 2.3) 

* indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an 

estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding. 

96 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

D.8 Transaction AFS Use by State, 2011-2015 

For all households 

Geography 2011 

(Percent) 

2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

All 23.3 21.9 20.2 (19.8, 20.6) -1.7* (-2.3, -1.2) 

State 

AL 31.7 28.7 27.7 (23.5, 32.4) -1.0 (-6.5, 4.5) 

AK 21.0 17.1 21.3 (17.6, 25.4) 4.2 (-0.5, 8.8) 

AZ 25.9 19.1 19.3 (16.0, 23.0) 0.2 (-5.1, 5.4) 

AR 32.8 31.1 23.4 (20.2, 27.0) -7.7* (-11.5, -3.9) 

CA 21.9 19.9 18.5 (17.2, 19.9) -1.3 (-3.2, 0.6) 

CO 16.9 18.3 15.5 (12.2, 19.4) -2.9 (-6.9, 1.1) 

CT 15.5 16.0 14.3 (11.2, 18.1) -1.7 (-5.8, 2.5) 

DE 18.6 18.7 16.0 (13.4, 19.1) -2.7 (-6.4, 1.0) 

DC 28.2 28.4 29.5 (26.5, 32.6) 1.1 (-3.5, 5.6) 

FL 23.6 20.0 18.2 (16.3, 20.2) -1.8 (-4.4, 0.8) 

GA 30.9 31.4 29.1 (25.8, 32.6) -2.3 (-6.5, 1.9) 

HI 20.3 18.5 15.1 (12.2, 18.5) -3.4 (-7.5, 0.7) 

ID 20.2 19.5 18.1 (14.1, 23.0) -1.4 (-6.8, 4.1) 

IL 21.0 17.5 16.3 (14.4, 18.4) -1.2 (-3.8, 1.5) 

IN 20.9 18.8 17.0 (13.8, 20.8) -1.8 (-6.2, 2.7) 

IA 17.9 14.8 14.9 (12.1, 18.3) 0.1 (-4.0, 4.2) 

KS 22.9 24.6 17.4 (14.9, 20.2) -7.3* (-11.4, -3.2) 

KY 25.1 24.6 19.6 (16.3, 23.5) -5.0* (-9.8, -0.1) 

LA 31.9 29.9 28.1 (25.6, 30.7) -1.8 (-5.5, 1.9) 

ME 18.5 16.0 13.2 (10.8, 16.1) -2.8 (-6.2, 0.7) 

MD 23.7 25.5 21.1 (18.3, 24.1) -4.4* (-8.2, -0.6) 

MA 15.8 18.7 18.5 (16.1, 21.3) -0.2 (-4.1, 3.7) 

MI 20.8 18.3 20.3 (16.9, 24.0) 2.0 (-2.2, 6.1) 

MN 12.8 12.9 11.5 (9.0, 14.5) -1.4 (-4.5, 1.7) 

MS 31.4 34.5 28.3 (24.3, 32.7) -6.2* (-11.6, -0.9) 

MO 24.5 21.2 23.8 (20.9, 26.9) 2.6 (-1.6, 6.8) 

MT 21.3 17.9 11.7 (10.0, 13.6) -6.3* (-10.4, -2.1) 

NE 18.1 20.1 17.9 (15.0, 21.1) -2.3 (-6.5, 1.9) 

NV 32.2 26.4 28.6 (25.0, 32.5) 2.2 (-3.0, 7.3) 

NH 12.6 14.2 16.1 (13.5, 19.1) 1.9 (-1.8, 5.5) 

NJ 23.5 23.9 16.2 (13.8, 18.8) -7.7* (-10.9, -4.5) 

NM 28.0 25.9 27.8 (23.9, 32.1) 1.9 (-4.0, 7.8) 

NY 24.8 23.3 25.4 (23.6, 27.3) 2.1 (-0.6, 4.8) 

NC 25.5 21.9 21.6 (19.3, 24.0) -0.4 (-4.2, 3.5) 

ND 18.6 17.2 16.3 (12.4, 21.3) -0.8 (-6.1, 4.5) 

OH 20.9 20.9 17.4 (15.5, 19.4) -3.5* (-6.4, -0.6) 

OK 28.4 24.0 27.3 (23.7, 31.3) 3.4 (-2.7, 9.4) 

97 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

D.8 Transaction AFS Use by State, 2011-2015 

For all households 

Geography 2011 

(Percent) 

2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

OR 16.0 18.3 20.4 (17.3, 24.0) 2.1 (-2.0, 6.3) 

PA 20.4 23.3 16.9 (14.8, 19.2) -6.4* (-9.1, -3.8) 

RI 19.2 14.6 17.0 (13.8, 20.8) 2.4 (-2.0, 6.7) 

SC 24.3 27.2 24.7 (22.0, 27.8) -2.4 (-6.4, 1.6) 

SD 21.8 16.5 17.5 (10.7, 27.3) 1.0 (-7.3, 9.4) 

TN 23.6 20.3 18.5 (15.6, 21.9) -1.8 (-6.5, 2.9) 

TX 32.7 30.0 24.3 (22.6, 26.2) -5.7* (-8.3, -3.0) 

UT 18.8 13.1 18.8 (15.9, 22.1) 5.7* (1.6, 9.8) 

VT 17.5 15.8 11.9 (9.8, 14.5) -3.9* (-7.2, -0.5) 

VA 17.8 20.5 19.1 (16.2, 22.5) -1.4 (-5.6, 2.8) 

WA 18.2 17.4 20.4 (17.4, 23.8) 3.0 (-1.0, 7.0) 

WV 22.8 23.6 18.5 (14.9, 22.7) -5.1 (-10.4, 0.2) 

WI 15.8 11.9 12.8 (9.9, 16.3) 0.9 (-3.0, 4.7) 

WY 23.3 21.8 17.8 (15.1, 21.0) -4.0 (-8.9, 1.0) 

* indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an 

estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding. 

98 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

D.9 Credit AFS Use by State, 2013-2015 

For all households 

Geography 2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

All 7.0 7.7 (7.4, 8.0) 0.6* (0.3, 1.0) 

State 

AL 11.9 10.4 (8.6, 12.6) -1.4 (-5.0, 2.1) 

AK 6.3 10.5 (8.0, 13.7) 4.2* (0.8, 7.7) 

AZ 9.4 6.2 (4.7, 8.2) -3.2* (-6.1, -0.3) 

AR 11.2 10.3 (8.6, 12.3) -1.0 (-4.0, 2.1) 

CA 5.3 7.1 (6.3, 8.0) 1.8* (0.7, 3.0) 

CO 7.8 7.4 (5.7, 9.6) -0.4 (-3.3, 2.4) 

CT 3.2 3.8 (2.5, 5.7) 0.5 (-1.4, 2.5) 

DE 5.9 4.1 (2.5, 6.6) -1.8 (-4.2, 0.6) 

DC 3.8 6.1 (4.7, 7.8) 2.2* (0.3, 4.1) 

FL 6.3 6.6 (5.7, 7.7) 0.3 (-0.9, 1.6) 

GA 8.3 10.4 (8.4, 12.7) 2.1 (-0.8, 5.0) 

HI 5.4 4.4 (3.0, 6.4) -1.0 (-3.4, 1.4) 

ID 8.5 10.7 (8.1, 14.0) 2.1 (-1.6, 5.8) 

IL 5.3 4.7 (3.4, 6.4) -0.6 (-2.5, 1.3) 

IN 6.6 8.0 (6.0, 10.5) 1.4 (-1.4, 4.1) 

IA 5.7 9.9 (7.8, 12.4) 4.2* (1.2, 7.2) 

KS 8.1 8.3 (6.2, 11.0) 0.2 (-2.9, 3.3) 

KY 8.9 10.7 (7.2, 15.6) 1.7 (-3.0, 6.5) 

LA 7.8 10.7 (9.1, 12.5) 2.9* (0.4, 5.4) 

ME 7.9 6.5 (4.8, 8.8) -1.4 (-4.1, 1.4) 

MD 4.0 7.3 (5.1, 10.3) 3.3* (0.5, 6.1) 

MA 4.2 3.0 (2.0, 4.6) -1.2 (-3.0, 0.6) 

MI 5.9 8.3 (6.0, 11.3) 2.4 (-0.4, 5.2) 

MN 5.5 6.0 (4.5, 8.0) 0.5 (-1.5, 2.4) 

MS 13.6 11.9 (9.5, 14.8) -1.8 (-5.2, 1.6) 

MO 8.7 8.6 (6.7, 10.9) -0.2 (-3.0, 2.6) 

MT 7.7 5.8 (4.4, 7.5) -1.9 (-4.7, 0.8) 

NE 6.9 8.2 (5.9, 11.4) 1.4 (-2.0, 4.8) 

NV 8.8 10.0 (7.6, 13.1) 1.2 (-2.0, 4.4) 

NH 3.5 5.3 (3.9, 7.1) 1.8 (-0.2, 3.7) 

NJ 3.8 4.0 (2.7, 5.8) 0.2 (-2.0, 2.3) 

NM 10.3 10.7 (8.9, 12.8) 0.3 (-2.9, 3.6) 

NY 4.5 6.8 (5.7, 8.1) 2.3* (0.8, 3.7) 

NC 9.3 6.6 (5.2, 8.3) -2.7* (-4.8, -0.6) 

ND 6.8 7.2 (5.5, 9.4) 0.4 (-2.2, 3.0) 

OH 8.7 7.7 (6.5, 9.1) -1.0 (-2.9, 0.9) 

OK 13.1 13.7 (11.1, 16.7) 0.6 (-2.9, 4.0) 

99 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

D.9 Credit AFS Use by State, 2013-2015 

For all households 

Geography 2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

OR 6.0 7.0 (5.1, 9.7) 1.0 (-1.5, 3.6) 

PA 4.4 7.0 (5.6, 8.7) 2.6* (0.7, 4.5) 

RI 5.2 2.9 (1.7, 4.9) -2.3* (-4.4, -0.2) 

SC 12.7 9.3 (7.4, 11.7) -3.4* (-6.3, -0.5) 

SD 7.8 10.6 (7.7, 14.3) 2.8 (-1.1, 6.6) 

TN 8.9 11.3 (9.3, 13.7) 2.4 (-0.3, 5.1) 

TX 11.4 10.4 (9.1, 11.8) -1.0 (-2.9, 0.8) 

UT 4.8 8.7 (6.5, 11.4) 3.9* (1.0, 6.8) 

VT 3.9 3.6 (2.5, 5.0) -0.3 (-2.2, 1.5) 

VA 6.5 5.4 (3.9, 7.3) -1.1 (-3.7, 1.4) 

WA 5.7 7.5 (5.7, 9.9) 1.9 (-0.9, 4.6) 

WV 7.8 8.2 (7.2, 9.3) 0.4 (-2.1, 2.9) 

WI 2.6 6.9 (4.9, 9.7) 4.3* (1.7, 7.0) 

WY 10.1 7.9 (5.9, 10.6) -2.1 (-6.6, 2.3) 

* indicates differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an 

estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding. 

100 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

D.10 AFS Use by MSA, 2013-2015 

For all households 

Geography 2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

All 24.9 24.0 (23.5, 24.4) -0.9* (-1.5, -0.3) 

MSA 

Albuquerque, NM 34.3 25.3 (20.4, 30.9) -9.0* (-17.1, -0.9) 

Atlanta-Sandy Springs-Roswell, GA~ 34.0 32.8 (28.7, 37.3) -1.1 (-7.2, 4.9) 

Austin-Round Rock, TX 17.9 18.6 (12.6, 26.5) 0.7 (-8.7, 10.1) 

Baltimore-Columbia-Towson, MD 28.5 25.3 (20.3, 31.0) -3.2 (-9.6, 3.3) 

Baton Rouge, LA NA 31.4 (24.5, 39.3) NA NA 

Billings, MT~ NA 18.0 (11.9, 26.3) NA NA 

Birmingham-Hoover, AL 27.9 25.3 (19.8, 31.7) -2.6 (-12.3, 7.1) 

Boise City, ID 21.5 18.3 (13.5, 24.3) -3.2 (-11.1, 4.8) 

Boston-Cambridge-Newton, MA-NH~ 19.1 21.0 (17.6, 24.9) 1.9 (-2.9, 6.8) 

Bridgeport-Stamford-Norwalk, CT~ 13.5 16.5 (11.1, 23.9) 3.0 (-4.3, 10.3) 

Burlington-South Burlington, VT~ 17.3 12.3 (8.6, 17.2) -5.0 (-10.7, 0.7) 

Charlotte-Concord-Gastonia, NC-SC~ 33.0 30.0 (24.4, 36.2) -3.0 (-11.5, 5.5) 

Chicago-Naperville-Elgin, IL-IN-WI 18.5 18.7 (16.4, 21.3) 0.2 (-3.5, 3.8) 

Cincinnati, OH-KY-IN~ 29.4 15.9 (11.4, 21.6) -13.5* (-21.3, -5.7) 

Cleveland-Elyria, OH 23.0 15.5 (11.6, 20.4) -7.5* (-13.9, -1.1) 

Columbia, SC 34.6 29.1 (21.4, 38.1) -5.5 (-15.9, 4.9) 

Columbus, OH~ 31.7 27.7 (22.4, 33.7) -4.1 (-12.5, 4.4) 

Dallas-Fort Worth-Arlington, TX~ 33.4 35.7 (31.9, 39.7) 2.3 (-3.2, 7.7) 

Denver-Aurora-Lakewood, CO 21.5 18.1 (13.5, 23.6) -3.4 (-9.8, 2.9) 

Detroit-Warren-Dearborn, MI 22.1 22.7 (19.4, 26.4) 0.6 (-4.6, 5.8) 

Fargo, ND-MN 26.7 23.1 (17.3, 30.1) -3.6 (-12.4, 5.3) 

Grand Rapids-Wyoming, MI~ 17.4 18.2 (12.1, 26.5) 0.9 (-9.1, 10.8) 

Greenville-Anderson-Mauldin, SC~ NA 30.2 (23.0, 38.4) NA NA 

Hartford-West Hartford-East Hartford, CT~ 21.3 18.3 (13.0, 25.1) -3.0 (-10.4, 4.5) 

Houston-The Woodlands-Sugar Land, TX~ 36.6 27.2 (23.8, 31.0) -9.4* (-14.8, -4.0) 

Indianapolis-Carmel-Anderson, IN~ 24.1 25.3 (19.5, 32.1) 1.2 (-6.6, 9.1) 

Jackson, MS~ NA 31.5 (25.5, 38.2) NA NA 

Kansas City, MO-KS~ 26.3 26.5 (21.5, 32.1) 0.2 (-7.9, 8.3) 

Las Vegas-Henderson-Paradise, NV 29.8 35.6 (31.1, 40.4) 5.7 (-0.6, 12.1) 

Little Rock-North Little Rock-Conway, AR 30.7 34.1 (27.9, 40.8) 3.3 (-6.8, 13.4) 

Los Angeles-Long Beach-Anaheim, CA 22.8 24.5 (21.9, 27.3) 1.7 (-1.6, 5.1) 

Louisville/Jefferson County, KY-IN~ 29.4 24.7 (17.8, 33.1) -4.8 (-15.9, 6.4) 

Manchester-Nashua, NH~ NA 25.8 (19.8, 32.7) NA NA 

Memphis, TN-MS-AR~ 34.6 25.0 (19.3, 31.7) -9.6 (-19.6, 0.5) 

Miami-Fort Lauderdale-West Palm Beach, FL 17.1 21.8 (18.4, 25.7) 4.7 (-0.4, 9.8) 

Milwaukee-Waukesha-West Allis, WI 14.8 18.6 (14.1, 24.1) 3.9 (-2.6, 10.4) 

Minneapolis-St. Paul-Bloomington, MN-WI~ 14.8 15.9 (12.5, 20.0) 1.1 (-3.4, 5.7) 

101 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

D.10 AFS Use by MSA, 2013-2015 

For all households 

Geography 2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

Nashville-Davidson--Murfreesboro--Franklin, TN~ 24.7 22.6 (16.3, 30.4) -2.1 (-12.0, 7.8) 

New Haven-Milford, CT~ 14.3 12.9 (7.3, 21.8) -1.4 (-10.3, 7.6) 

New Orleans-Metairie, LA~ 26.6 27.3 (22.2, 32.9) 0.6 (-9.0, 10.3) 

New York-Newark-Jersey City, NY-NJ-PA~ 25.7 25.7 (23.8, 27.7) 0.0 (-2.7, 2.7) 

Oklahoma City, OK 28.8 35.1 (28.2, 42.7) 6.3 (-3.1, 15.7) 

Omaha-Council Bluffs, NE-IA 27.5 29.2 (23.6, 35.6) 1.7 (-6.8, 10.2) 

Orlando-Kissimmee-Sanford, FL 30.4 25.7 (19.8, 32.6) -4.7 (-14.7, 5.2) 

Philadelphia-Camden-Wilmington, PA-NJ-DE-MD 25.9 21.4 (18.1, 25.1) -4.5 (-9.3, 0.2) 

Phoenix-Mesa-Scottsdale, AZ 20.2 21.5 (17.8, 25.7) 1.3 (-4.5, 7.0) 

Pittsburgh, PA 26.4 27.9 (22.8, 33.6) 1.5 (-5.9, 8.8) 

Portland-South Portland, ME~ 13.7 18.5 (13.3, 24.9) 4.8 (-2.8, 12.3) 

Portland-Vancouver-Hillsboro, OR-WA 19.3 22.5 (18.6, 27.1) 3.2 (-2.6, 9.0) 

Providence-Warwick, RI-MA~ 17.8 18.5 (14.2, 23.8) 0.7 (-5.1, 6.6) 

Richmond, VA~ 21.3 15.8 (9.4, 25.2) -5.5 (-15.1, 4.0) 

Riverside-San Bernardino-Ontario, CA 24.1 22.4 (17.6, 28.1) -1.7 (-8.9, 5.4) 

Sacramento--Roseville--Arden-Arcade, CA 27.6 18.5 (13.6, 24.6) -9.1* (-17.2, -1.0) 

St. Louis, MO-IL~ 21.4 20.1 (16.3, 24.6) -1.3 (-7.3, 4.7) 

Salisbury, MD-DE~ NA 16.3 (9.2, 27.1) NA NA 

Salt Lake City, UT~ 16.4 21.9 (16.8, 27.9) 5.4 (-1.6, 12.4) 

San Antonio-New Braunfels, TX 32.5 37.6 (30.5, 45.3) 5.2 (-4.2, 14.5) 

San Diego-Carlsbad, CA 20.9 22.3 (17.7, 27.7) 1.4 (-4.6, 7.4) 

San Francisco-Oakland-Hayward, CA 16.8 17.9 (14.9, 21.3) 1.1 (-3.6, 5.7) 

Seattle-Tacoma-Bellevue, WA 17.7 20.0 (16.3, 24.3) 2.3 (-2.8, 7.5) 

Sioux Falls, SD 21.1 19.9 (13.5, 28.2) -1.2 (-11.6, 9.2) 

Tampa-St. Petersburg-Clearwater, FL 24.1 19.1 (15.5, 23.3) -5.0 (-11.3, 1.3) 

Tucson, AZ NA 27.3 (18.9, 37.8) NA NA 

Tulsa, OK 29.2 35.8 (29.5, 42.6) 6.6 (-2.7, 16.0) 

Urban Honolulu, HI 21.6 18.9 (15.5, 22.9) -2.6 (-7.7, 2.4) 

Virginia Beach-Norfolk-Newport News, VA-NC~ 34.9 29.9 (22.5, 38.4) -5.0 (-15.1, 5.1) 

Washington-Arlington-Alexandria, DC-VA-MDWV~ 22.2 23.5 (20.8, 26.4) 1.3 (-2.2, 4.7) 

Wichita, KS~ 30.4 30.5 (23.1, 39.1) 0.1 (-11.4, 11.6) 

~ indicates areas with geographic boundary changes between the 2013 and 2015 surveys. See Appendix 1 (FDIC Technical Notes) for details. * indicates 

differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate 

of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding. 

102 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

D.11 Transaction AFS Use by MSA, 2011-2015 

For all households 

Geography 2011 

(Percent) 

2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

All 23.3 21.9 20.2 (19.8, 20.6) -1.7* (-2.3, -1.2) 

MSA 

Albuquerque, NM 24.5 29.6 21.8 (17.0, 27.4) -7.8 (-16.2, 0.6) 

Atlanta-Sandy Springs-Roswell, GA~ 29.0 31.2 30.7 (26.4, 35.3) -0.5 (-6.6, 5.5) 

Austin-Round Rock, TX 23.3 17.9 17.2 (11.5, 24.9) -0.7 (-10.0, 8.6) 

Baltimore-Columbia-Towson, MD 25.2 27.5 23.1 (18.4, 28.6) -4.3 (-10.5, 1.9) 

Baton Rouge, LA NA NA 27.2 (20.7, 35.0) NA NA 

Billings, MT~ NA NA 16.3 (10.7, 24.0) NA NA 

Birmingham-Hoover, AL 41.1 22.8 22.0 (16.8, 28.3) -0.8 (-10.0, 8.3) 

Boise City, ID 18.6 17.6 12.3 (8.2, 17.9) -5.3 (-12.6, 1.9) 

Boston-Cambridge-Newton, MA-NH~ 15.4 17.2 19.6 (16.3, 23.3) 2.3 (-2.3, 7.0) 

Bridgeport-Stamford-Norwalk, CT~ 13.2 12.6 15.5 (10.0, 23.4) 3.0 (-4.4, 10.3) 

Burlington-South Burlington, VT~ 12.9 14.2 11.7 (8.2, 16.5) -2.5 (-7.7, 2.8) 

Charlotte-Concord-Gastonia, NC-SC~ 34.4 27.4 26.6 (21.2, 32.7) -0.9 (-9.4, 7.7) 

Chicago-Naperville-Elgin, IL-IN-WI 21.1 17.1 17.1 (14.8, 19.6) 0.0 (-3.5, 3.5) 

Cincinnati, OH-KY-IN~ 16.8 25.3 11.5 (7.8, 16.7) -13.8* (-20.8, -6.7) 

Cleveland-Elyria, OH 23.0 18.1 15.5 (11.6, 20.4) -2.6 (-8.8, 3.6) 

Columbia, SC 22.8 33.6 29.1 (21.4, 38.1) -4.5 (-14.7, 5.7) 

Columbus, OH~ 26.7 27.2 22.9 (18.0, 28.7) -4.3 (-12.1, 3.5) 

Dallas-Fort Worth-Arlington, TX~ 32.5 29.1 30.6 (27.0, 34.4) 1.4 (-3.7, 6.5) 

Denver-Aurora-Lakewood, CO 18.8 17.7 14.0 (10.3, 18.7) -3.6 (-9.0, 1.7) 

Detroit-Warren-Dearborn, MI 25.5 20.3 20.0 (17.0, 23.4) -0.3 (-5.3, 4.7) 

Fargo, ND-MN 17.0 18.4 16.6 (11.8, 23.0) -1.7 (-9.1, 5.6) 

Grand Rapids-Wyoming, MI~ NA 11.1 16.3 (10.7, 24.1) 5.2 (-3.7, 14.1) 

Greenville-Anderson-Mauldin, SC~ NA NA 21.4 (15.0, 29.6) NA NA 

Hartford-West Hartford-East Hartford, 

CT~ 14.2 19.4 17.4 (12.6, 23.6) -2.0 (-9.2, 5.1) 

Houston-The Woodlands-Sugar Land, 

TX~ 36.3 33.4 24.2 (20.7, 28.0) -9.2* (-14.6, -3.8) 

Indianapolis-Carmel-Anderson, IN~ 20.5 21.7 22.7 (17.4, 29.1) 1.0 (-6.5, 8.5) 

Jackson, MS~ NA NA 28.2 (22.3, 34.9) NA NA 

Kansas City, MO-KS~ 25.5 23.7 21.4 (16.9, 26.8) -2.2 (-9.8, 5.4) 

Las Vegas-Henderson-Paradise, NV 33.1 26.9 31.7 (27.5, 36.3) 4.9 (-1.3, 11.1) 

Little Rock-North Little Rock-Conway, 

AR 28.0 27.4 28.4 (22.3, 35.3) 1.0 (-9.2, 11.1) 

Los Angeles-Long Beach-Anaheim, 

CA 23.7 20.3 20.9 (18.5, 23.4) 0.6 (-2.6, 3.8) 

Louisville/Jefferson County, KY-IN~ 28.4 24.1 19.7 (13.9, 27.2) -4.3 (-12.9, 4.2) 

Manchester-Nashua, NH~ NA NA 18.0 (12.9, 24.5) NA NA 

Memphis, TN-MS-AR~ 26.6 32.0 18.2 (12.8, 25.1) -13.9* (-23.9, -3.9) 

Miami-Fort Lauderdale-West Palm 

Beach, FL 25.5 15.5 19.8 (16.5, 23.5) 4.3 (-0.6, 9.1) 

Milwaukee-Waukesha-West Allis, WI 18.7 14.0 15.9 (11.6, 21.4) 1.9 (-4.6, 8.4) 

103 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

D.11 Transaction AFS Use by MSA, 2011-2015 

For all households 

Geography 2011 

(Percent) 

2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

Minneapolis-St. Paul-Bloomington, 

MN-WI~ 11.4 12.5 13.0 (10.0, 16.6) 0.4 (-3.6, 4.4) 

Nashville-Davidson--Murfreesboro-­

Franklin, TN~ 18.1 20.2 17.1 (11.6, 24.5) -3.1 (-12.8, 6.5) 

New Haven-Milford, CT~ 15.3 13.3 9.0 (4.7, 16.5) -4.3 (-12.1, 3.4) 

New Orleans-Metairie, LA~ 29.7 23.3 24.1 (19.3, 29.6) 0.8 (-7.6, 9.2) 

New York-Newark-Jersey City, NYNJ-PA~ 25.2 24.6 23.3 (21.6, 25.1) -1.3 (-3.9, 1.3) 

Oklahoma City, OK 32.9 23.5 30.6 (24.9, 36.9) 7.1 (-1.6, 15.8) 

Omaha-Council Bluffs, NE-IA 16.4 24.5 22.8 (18.2, 28.1) -1.7 (-9.5, 6.0) 

Orlando-Kissimmee-Sanford, FL 28.7 27.9 22.6 (17.2, 29.2) -5.2 (-14.4, 4.0) 

Philadelphia-Camden-Wilmington, 

PA-NJ-DE-MD 20.8 24.6 18.1 (15.0, 21.6) -6.5* (-10.9, -2.0) 

Phoenix-Mesa-Scottsdale, AZ 23.5 18.3 19.2 (15.5, 23.5) 0.9 (-4.7, 6.5) 

Pittsburgh, PA 19.4 24.3 20.9 (16.3, 26.3) -3.4 (-10.0, 3.1) 

Portland-South Portland, ME~ 14.0 9.3 14.1 (9.8, 19.9) 4.8 (-1.3, 11.0) 

Portland-Vancouver-Hillsboro, OR-WA 13.5 16.8 19.6 (15.7, 24.2) 2.9 (-3.1, 8.8) 

Providence-Warwick, RI-MA~ 19.6 16.2 16.8 (12.6, 22.1) 0.6 (-5.1, 6.4) 

Richmond, VA~ 21.6 19.1 11.5 (6.5, 19.7) -7.6 (-16.3, 1.2) 

Riverside-San Bernardino-Ontario, CA 28.4 22.3 19.6 (15.3, 24.8) -2.7 (-9.2, 3.8) 

Sacramento--Roseville--ArdenArcade, CA 23.5 20.5 13.6 (9.5, 19.1) -6.9* (-13.5, -0.4) 

St. Louis, MO-IL~ 24.0 18.9 18.6 (14.8, 23.1) -0.3 (-6.3, 5.8) 

Salisbury, MD-DE~ NA NA 15.3 (8.4, 26.4) NA NA 

Salt Lake City, UT~ 17.0 13.1 18.5 (13.8, 24.3) 5.4 (-1.1, 12.0) 

San Antonio-New Braunfels, TX 31.9 26.5 31.2 (24.5, 38.8) 4.7 (-4.1, 13.5) 

San Diego-Carlsbad, CA 19.2 19.1 18.7 (14.2, 24.3) -0.3 (-6.4, 5.8) 

San Francisco-Oakland-Hayward, CA 15.6 15.7 10.7 (8.3, 13.8) -5.0* (-9.2, -0.8) 

Seattle-Tacoma-Bellevue, WA 15.5 16.7 16.3 (12.9, 20.2) -0.4 (-5.4, 4.6) 

Sioux Falls, SD 21.5 12.7 13.3 (8.4, 20.5) 0.6 (-7.2, 8.4) 

Tampa-St. Petersburg-Clearwater, FL 23.8 20.3 16.2 (13.0, 20.1) -4.1 (-9.6, 1.4) 

Tucson, AZ NA NA 23.4 (16.0, 32.8) NA NA 

Tulsa, OK 26.7 23.1 28.8 (22.9, 35.6) 5.7 (-3.8, 15.2) 

Urban Honolulu, HI 20.4 18.6 15.9 (12.6, 19.8) -2.7 (-7.3, 1.9) 

Virginia Beach-Norfolk-Newport 

News, VA-NC~ 31.0 31.7 27.4 (20.9, 35.1) -4.3 (-13.9, 5.3) 

Washington-Arlington-Alexandria, DCVA-MD-WV~ 19.0 20.8 19.8 (17.3, 22.6) -1.0 (-4.3, 2.4) 

Wichita, KS~ 41.5 29.6 23.9 (17.5, 31.7) -5.7 (-16.5, 5.2) 

~ indicates areas with geographic boundary changes between the 2013 and 2015 surveys. See Appendix 1 (FDIC Technical Notes) for details. * indicates 

differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate 

of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding. 

104 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

D.12 Credit AFS Use by MSA, 2013-2015 

For all households 

Geography 2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

All 7.0 7.7 (7.4, 8.0) 0.6* (0.3, 1.0) 

MSA 

Albuquerque, NM 12.7 9.8 (7.2, 13.3) -2.9 (-7.7, 2.0) 

Atlanta-Sandy Springs-Roswell, GA~ 8.6 7.9 (5.9, 10.5) -0.7 (-4.0, 2.7) 

Austin-Round Rock, TX 2.4 4.8 (2.0, 11.1) 2.4 (-1.8, 6.7) 

Baltimore-Columbia-Towson, MD 4.1 5.4 (2.8, 10.4) 1.3 (-2.5, 5.1) 

Baton Rouge, LA NA 6.1 (3.4, 10.9) NA NA 

Billings, MT~ NA 5.1 (2.0, 12.1) NA NA 

Birmingham-Hoover, AL 8.9 10.4 (7.2, 14.8) 1.4 (-4.8, 7.7) 

Boise City, ID 7.2 8.0 (5.2, 12.2) 0.8 (-3.9, 5.6) 

Boston-Cambridge-Newton, MA-NH~ 4.2 2.0 (1.1, 3.4) -2.2* (-4.1, -0.3) 

Bridgeport-Stamford-Norwalk, CT~ 3.2 2.0 (0.5, 7.7) -1.2 (-4.2, 1.8) 

Burlington-South Burlington, VT~ 4.3 1.2 (0.3, 4.4) -3.1* (-6.2, -0.1) 

Charlotte-Concord-Gastonia, NC-SC~ 11.8 11.1 (8.1, 15.2) -0.7 (-6.1, 4.6) 

Chicago-Naperville-Elgin, IL-IN-WI 3.8 4.3 (3.0, 6.0) 0.4 (-1.4, 2.3) 

Cincinnati, OH-KY-IN~ 6.8 6.8 (4.2, 10.9) 0.1 (-4.4, 4.5) 

Cleveland-Elyria, OH 7.6 5.2 (2.9, 9.2) -2.4 (-6.5, 1.7) 

Columbia, SC 15.6 4.8 (2.0, 11.4) -10.7* (-17.7, -3.7) 

Columbus, OH~ 10.9 8.8 (5.7, 13.4) -2.1 (-7.5, 3.4) 

Dallas-Fort Worth-Arlington, TX~ 10.1 11.0 (8.7, 13.8) 1.0 (-2.6, 4.6) 

Denver-Aurora-Lakewood, CO 7.9 5.8 (3.4, 9.8) -2.0 (-6.0, 1.9) 

Detroit-Warren-Dearborn, MI 5.1 7.2 (4.8, 10.5) 2.1 (-1.1, 5.2) 

Fargo, ND-MN 10.7 7.6 (4.7, 12.1) -3.1 (-9.7, 3.5) 

Grand Rapids-Wyoming, MI~ 9.0 4.0 (1.5, 10.7) -4.9 (-11.4, 1.6) 

Greenville-Anderson-Mauldin, SC~ NA 14.5 (8.9, 22.8) NA NA 

Hartford-West Hartford-East Hartford, CT~ 3.8 2.7 (1.0, 7.0) -1.0 (-4.3, 2.3) 

Houston-The Woodlands-Sugar Land, TX~ 12.4 7.7 (5.9, 9.9) -4.7* (-7.9, -1.5) 

Indianapolis-Carmel-Anderson, IN~ 9.8 9.4 (5.6, 15.3) -0.4 (-6.7, 5.8) 

Jackson, MS~ NA 9.6 (6.2, 14.6) NA NA 

Kansas City, MO-KS~ 6.0 8.5 (5.8, 12.4) 2.5 (-1.4, 6.4) 

Las Vegas-Henderson-Paradise, NV 7.7 10.4 (8.0, 13.4) 2.7 (-0.7, 6.0) 

Little Rock-North Little Rock-Conway, AR 12.6 13.3 (9.2, 18.7) 0.7 (-7.1, 8.4) 

Los Angeles-Long Beach-Anaheim, CA 5.0 6.7 (5.4, 8.3) 1.7 (0.0, 3.5) 

Louisville/Jefferson County, KY-IN~ 7.4 11.1 (6.7, 17.7) 3.6 (-3.6, 10.9) 

Manchester-Nashua, NH~ NA 11.4 (7.8, 16.5) NA NA 

Memphis, TN-MS-AR~ 9.0 10.3 (6.3, 16.5) 1.4 (-5.0, 7.7) 

Miami-Fort Lauderdale-West Palm Beach, FL 3.5 5.2 (3.8, 7.2) 1.7 (-0.6, 4.0) 

Milwaukee-Waukesha-West Allis, WI 1.2 5.7 (3.1, 10.5) 4.5* (0.7, 8.3) 

Minneapolis-St. Paul-Bloomington, MN-WI~ 5.6 4.6 (3.1, 6.6) -1.0 (-3.3, 1.3) 

105 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

D.12 Credit AFS Use by MSA, 2013-2015 

For all households 

Geography 2013 

(Percent) 

2015 

(Percent) 

90% Confidence 

Interval, 2015 

Difference 

(2015-2013) 

90% Confidence 

Interval, Difference 

Nashville-Davidson--Murfreesboro--Franklin, TN~ 8.9 10.9 (6.7, 17.3) 1.9 (-4.9, 8.7) 

New Haven-Milford, CT~ 1.0 3.9 (1.7, 8.8) 3.0 (-0.4, 6.3) 

New Orleans-Metairie, LA~ 5.8 8.2 (5.4, 12.2) 2.4 (-2.3, 7.1) 

New York-Newark-Jersey City, NY-NJ-PA~ 3.6 5.4 (4.4, 6.6) 1.8* (0.4, 3.1) 

Oklahoma City, OK 11.8 14.0 (9.9, 19.4) 2.1 (-3.5, 7.7) 

Omaha-Council Bluffs, NE-IA 7.0 8.6 (5.0, 14.3) 1.5 (-3.6, 6.7) 

Orlando-Kissimmee-Sanford, FL 6.5 8.4 (5.1, 13.5) 1.9 (-3.6, 7.3) 

Philadelphia-Camden-Wilmington, PA-NJ-DE-MD 3.5 4.9 (3.3, 7.1) 1.3 (-0.7, 3.4) 

Phoenix-Mesa-Scottsdale, AZ 5.7 4.9 (3.3, 7.2) -0.8 (-3.5, 2.0) 

Pittsburgh, PA 4.2 9.6 (6.2, 14.8) 5.4* (0.7, 10.1) 

Portland-South Portland, ME~ 6.3 5.9 (3.4, 10.1) -0.5 (-5.1, 4.2) 

Portland-Vancouver-Hillsboro, OR-WA 5.2 6.6 (4.5, 9.6) 1.5 (-1.5, 4.4) 

Providence-Warwick, RI-MA~ 4.1 4.7 (2.5, 8.5) 0.6 (-2.4, 3.6) 

Richmond, VA~ 7.3 5.2 (2.1, 12.2) -2.1 (-8.5, 4.3) 

Riverside-San Bernardino-Ontario, CA 6.2 6.3 (4.0, 9.7) 0.0 (-3.8, 3.9) 

Sacramento--Roseville--Arden-Arcade, CA 10.4 9.8 (6.4, 14.6) -0.6 (-6.1, 4.9) 

St. Louis, MO-IL~ 6.7 6.8 (4.7, 9.7) 0.1 (-3.2, 3.4) 

Salisbury, MD-DE~ NA 1.6 (0.5, 5.3) NA NA 

Salt Lake City, UT~ 4.9 6.7 (4.3, 10.3) 1.8 (-2.0, 5.6) 

San Antonio-New Braunfels, TX 14.1 16.5 (11.8, 22.5) 2.4 (-4.7, 9.4) 

San Diego-Carlsbad, CA 5.2 7.2 (4.7, 10.9) 2.0 (-2.1, 6.2) 

San Francisco-Oakland-Hayward, CA 2.1 8.5 (6.3, 11.3) 6.4* (3.7, 9.1) 

Seattle-Tacoma-Bellevue, WA 3.2 6.6 (4.4, 9.6) 3.3* (0.4, 6.2) 

Sioux Falls, SD 10.8 8.5 (4.7, 14.8) -2.4 (-9.5, 4.8) 

Tampa-St. Petersburg-Clearwater, FL 9.6 7.4 (5.0, 10.8) -2.2 (-6.5, 2.1) 

Tucson, AZ NA 8.8 (5.0, 14.9) NA NA 

Tulsa, OK 11.7 13.2 (8.7, 19.5) 1.5 (-5.4, 8.5) 

Urban Honolulu, HI 5.3 5.0 (3.2, 7.7) -0.3 (-3.4, 2.9) 

Virginia Beach-Norfolk-Newport News, VA-NC~ 12.3 4.2 (2.0, 8.4) -8.1* (-13.4, -2.9) 

Washington-Arlington-Alexandria, DC-VA-MD-WV~ 2.9 5.4 (4.0, 7.4) 2.5* (0.6, 4.5) 

Wichita, KS~ 9.6 16.4 (10.6, 24.5) 6.7 (-0.9, 14.3) 

~ indicates areas with geographic boundary changes between the 2013 and 2015 surveys. See Appendix 1 (FDIC Technical Notes) for details. * indicates 

differences that are statistically significant at the 10% level. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate 

of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding. 

106 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

D.13 Use of Bank and Nonbank Remittances in Past 12 Months by Bank Account Ownership and Selected 

Household Characteristics, 2015 

For all households, row percent 

Characteristics 

Number of 

Households 

(1000s) 

Percent of 

Households 

Nonbank 

only 

(Percent) 

Nonbank 

and bank 

(Percent) 

Bank only 

(Percent) 

Sent, place 

unknown 

(Percent) 

Did not 

send 

(Percent) 

Unknown 

(Percent) 

All 

Unbanked 

127,538 100.0 3.2 0.5 1.2 0.9 88.9 5.4 

Unbanked 8,969 100.0 7.5 0.4 0.2 1.0 80.5 10.4 

Has bank account 

Race/Ethnicity 

118,569 100.0 2.9 0.5 1.2 0.9 89.5 5.0 

Black 17,961 100.0 3.8 0.6 0.9 0.6 87.2 6.9 

Hispanic 16,106 100.0 13.1 1.7 1.9 2.9 73.5 7.0 

Asian 6,275 100.0 9.8 1.3 7.3 2.4 71.5 7.8 

White 85,428 100.0 0.8 0.2 0.6 0.4 93.4 4.6 

Other 

Nativity 

1,768 100.0 2.1 0.3 0.6 1.8 90.4 4.8 

U.S.-born 108,671 100.0 0.8 0.2 0.5 0.4 93.1 5.0 

Foreign-born 

citizen 9,728 100.0 12.4 2.1 5.1 2.4 71.4 6.5 

Foreign-born 

non-citizen 9,140 100.0 22.0 2.3 4.9 4.1 58.2 8.5 

NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than 

zero. Estimates do not always reconcile to totals because of rounding. 

D.14 Use of Bank and Nonbank Remittances in a Typical Month by Bank Account Ownership and 

Selected Household Characteristics, 2015 

For all households, row percent 

Characteristics 

Number of 

Households 

(1000s) 

Percent of 

Households 

Nonbank 

only 

(Percent) 

Nonbank 

and bank 

(Percent) 

Bank only 

(Percent) 

Sent in past 12 

months but not 

in typical month 

(Percent) 

Did not 

send in past 

12 months 

(Percent) 

Unknown 

(Percent) 

All 

Unbanked 

127,538 100.0 1.7 0.2 0.5 3.3 88.9 5.4 

Unbanked 8,969 100.0 4.8 0.2 0.2 3.8 80.5 10.4 

Has bank account 

Race/Ethnicity 

118,569 100.0 1.4 0.2 0.6 3.3 89.5 5.1 

Black 17,961 100.0 1.7 0.3 0.4 3.4 87.2 7.0 

Hispanic 16,106 100.0 7.9 0.5 1.3 9.7 73.5 7.2 

Asian 6,275 100.0 4.6 0.5 3.2 12.3 71.5 8.0 

White 85,428 100.0 0.3 0.1 0.2 1.4 93.4 4.6 

Other 

Nativity 

1,768 100.0 0.4 0.1 0.5 3.9 90.4 4.8 

U.S.-born 108,671 100.0 0.3 - 0.2 1.3 93.1 5.0 

Foreign-born 

citizen 9,728 100.0 5.6 0.5 2.5 13.2 71.4 6.8 

Foreign-born 

non-citizen 9,140 100.0 13.3 1.2 2.4 16.1 58.2 8.9 

NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than 

zero. Estimates do not always reconcile to totals because of rounding. 

107 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

E.1 Rates of Saving for Unexpected Expenses or Emergencies by Banking Status and Household 

Characteristics, 2015 

For all households, row percent 

Characteristics Number of Households 

(1000s) 

Percent of 

Households 

Saved 

(Percent) 

All 

Unbanked and underbanked 

117,453 100.0 56.3 

Unbanked 7,826 100.0 20.2 

Banked: Underbanked 24,780 100.0 55.2 

Banked: Fully banked 84,257 100.0 60.0 

Banked: Underbanked status unknown 

Family income 

589 100.0 57.8 

Less than $15,000 16,353 100.0 30.8 

$15,000 to $30,000 19,507 100.0 42.2 

$30,000 to $50,000 23,334 100.0 53.2 

$50,000 to $75,000 21,241 100.0 63.6 

At least $75,000 

Education 

37,019 100.0 72.9 

No high school diploma 12,535 100.0 30.1 

High school diploma 30,483 100.0 47.2 

Some college 34,682 100.0 58.9 

College degree 

Age group 

39,752 100.0 69.4 

15 to 24 years 6,111 100.0 55.7 

25 to 34 years 19,554 100.0 60.7 

35 to 44 years 19,825 100.0 58.8 

45 to 54 years 21,934 100.0 58.2 

55 to 64 years 22,233 100.0 56.4 

65 years or more 

Race/Ethnicity 

27,796 100.0 50.1 

Black 16,195 100.0 45.6 

Hispanic 14,543 100.0 42.5 

Asian 5,667 100.0 52.9 

White 79,397 100.0 61.3 

Other 

Disability status 

1,651 100.0 56.2 

Disabled, age 25 to 64 10,631 100.0 39.0 

Not disabled, age 25 to 64 72,914 100.0 61.3 

Not applicable (not age 25 to 64) 

Employment status 

33,907 100.0 51.1 

Employed 72,240 100.0 63.1 

Unemployed 3,587 100.0 44.5 

Not in labor force 41,626 100.0 45.6 

108 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

E.1 Rates of Saving for Unexpected Expenses or Emergencies by Banking Status and Household 

Characteristics, 2015 

For all households, row percent 

Characteristics Number of Households 

(1000s) 

Percent of 

Households 

Saved 

(Percent) 

Homeownership 

Homeowner 

Non-homeowner 

Household type 

Married couple 

Unmarried female-headed family 

Unmarried male-headed family 

Female individual 

Male individual 

Other 

Nativity 

U.S.-born 

Foreign-born citizen 

Foreign-born non-citizen 

Spanish only language spoken 

Spanish is not only language spoken 

Spanish is only language spoken 

Metropolitan status 

Metropolitan area - principal city 

Metropolitan area - balance 

Not in metropolitan area 

Not identified 

Geographic region 

Northeast 

Midwest 

South 

West 

Monthly income volatility 

Income was about the same each month 

Income varied somewhat from month to month 

Income varied a lot from month to month 

Unknown 

74,619 

42,834 

55,349 

14,624 

5,634 

21,424 

20,167 

NA 

100,528 

8,773 

8,152 

114,957 

2,496 

33,288 

50,148 

16,787 

17,230 

20,507 

25,657 

44,843 

26,445 

90,483 

20,682 

5,737 

551 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

NA 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

61.5 

47.3 

63.1 

46.2 

50.6 

51.1 

52.1 

NA 

58.4 

47.9 

39.9 

57.0 

25.8 

55.1 

58.4 

52.5 

56.5 

56.2 

61.1 

52.1 

59.1 

56.3 

58.3 

51.3 

42.2 

Excludes households with missing information on whether the household saved for unexpected expenses or emergencies. NA indicates that the sample size is too 

small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile 

to totals because of rounding. 

109 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

E.2 Rates of Saving for Unexpected Expenses or Emergencies by State, 2015 

For all households, row percent 

Geography Number of Households 

(1000s) 

Percent of 

Households 

Saved 

(Percent) 

All 117,453 100.0 56.3 

State 

AL 2,017 100.0 52.7 

AK 263 100.0 60.8 

AZ 2,519 100.0 64.3 

AR 1,129 100.0 50.4 

CA 12,902 100.0 54.0 

CO 2,128 100.0 70.3 

CT 1,285 100.0 62.2 

DE 349 100.0 53.3 

DC 296 100.0 53.2 

FL 7,515 100.0 42.7 

GA 3,704 100.0 50.2 

HI 455 100.0 59.0 

ID 601 100.0 52.6 

IL 4,698 100.0 64.0 

IN 2,566 100.0 59.6 

IA 1,193 100.0 61.4 

KS 1,079 100.0 58.1 

KY 1,698 100.0 56.2 

LA 1,780 100.0 50.6 

ME 549 100.0 68.7 

MD 2,149 100.0 59.1 

MA 2,542 100.0 57.2 

MI 3,761 100.0 56.3 

MN 2,244 100.0 64.9 

MS 1,112 100.0 50.6 

MO 2,280 100.0 64.3 

MT 408 100.0 69.3 

NE 676 100.0 55.6 

NV 1,120 100.0 54.8 

NH 515 100.0 60.3 

NJ 3,146 100.0 53.2 

NM 757 100.0 49.9 

NY 7,008 100.0 51.8 

NC 3,668 100.0 53.3 

ND 299 100.0 67.1 

OH 4,258 100.0 58.9 

OK 1,520 100.0 52.7 

110 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

E.2 Rates of Saving for Unexpected Expenses or Emergencies by State, 2015 

For all households, row percent 

Geography Number of Households 

(1000s) 

Percent of 

Households 

Saved 

(Percent) 

OR 1,467 100.0 65.7 

PA 4,823 100.0 60.1 

RI 388 100.0 59.0 

SC 1,921 100.0 60.8 

SD 320 100.0 63.6 

TN 2,687 100.0 56.3 

TX 9,622 100.0 53.0 

UT 944 100.0 71.3 

VT 250 100.0 61.9 

VA 2,968 100.0 59.4 

WA 2,647 100.0 65.9 

WV 710 100.0 45.8 

WI 2,284 100.0 63.2 

WY 235 100.0 63.9 

Excludes households with missing information on whether the household saved for unexpected expenses or emergencies. NA indicates that the sample size is too 

small to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile 

to totals because of rounding. 

111 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

E.3 Rates of Saving for Unexpected Expenses or Emergencies by MSA, 2015 

For all households, row percent 

Geography Number of Households 

(1000s) 

Percent of 

Households 

Saved 

(Percent) 

All 117,453 100.0 56.3 

MSA 

Albuquerque, NM 353 100.0 57.5 

Atlanta-Sandy Springs-Roswell, GA~ 2,125 100.0 52.4 

Austin-Round Rock, TX 605 100.0 46.1 

Baltimore-Columbia-Towson, MD 892 100.0 66.0 

Baton Rouge, LA 287 100.0 62.6 

Billings, MT~ 54 100.0 72.2 

Birmingham-Hoover, AL 446 100.0 61.0 

Boise City, ID 216 100.0 55.7 

Boston-Cambridge-Newton, MA-NH~ 1,817 100.0 60.4 

Bridgeport-Stamford-Norwalk, CT~ 340 100.0 63.0 

Burlington-South Burlington, VT~ 87 100.0 65.2 

Charlotte-Concord-Gastonia, NC-SC~ 1,075 100.0 55.0 

Chicago-Naperville-Elgin, IL-IN-WI 3,359 100.0 63.8 

Cincinnati, OH-KY-IN~ 767 100.0 50.5 

Cleveland-Elyria, OH 807 100.0 51.9 

Columbia, SC 396 100.0 66.0 

Columbus, OH~ 760 100.0 69.1 

Dallas-Fort Worth-Arlington, TX~ 2,751 100.0 63.0 

Denver-Aurora-Lakewood, CO 1,154 100.0 68.8 

Detroit-Warren-Dearborn, MI 1,658 100.0 64.3 

Fargo, ND-MN 79 100.0 72.6 

Grand Rapids-Wyoming, MI~ NA NA NA 

Greenville-Anderson-Mauldin, SC~ 343 100.0 62.8 

Hartford-West Hartford-East Hartford, CT~ 430 100.0 67.0 

Houston-The Woodlands-Sugar Land, TX~ 2,346 100.0 53.5 

Indianapolis-Carmel-Anderson, IN~ 812 100.0 56.6 

Jackson, MS~ 226 100.0 58.9 

Kansas City, MO-KS~ 768 100.0 57.8 

Las Vegas-Henderson-Paradise, NV 825 100.0 57.4 

Little Rock-North Little Rock-Conway, AR 319 100.0 52.3 

Los Angeles-Long Beach-Anaheim, CA 4,131 100.0 49.6 

Louisville/Jefferson County, KY-IN~ 467 100.0 55.5 

Manchester-Nashua, NH~ 122 100.0 68.2 

Memphis, TN-MS-AR~ 455 100.0 53.7 

Miami-Fort Lauderdale-West Palm Beach, FL 2,249 100.0 37.8 

Milwaukee-Waukesha-West Allis, WI 633 100.0 61.3 

Minneapolis-St. Paul-Bloomington, MN-WI~ 1,299 100.0 68.1 

112 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

E.3 Rates of Saving for Unexpected Expenses or Emergencies by MSA, 2015 

For all households, row percent 

Geography Number of Households 

(1000s) 

Percent of 

Households 

Saved 

(Percent) 

Nashville-Davidson--Murfreesboro--Franklin, TN~ 812 100.0 71.1 

New Haven-Milford, CT~ NA NA NA 

New Orleans-Metairie, LA~ 535 100.0 43.8 

New York-Newark-Jersey City, NY-NJ-PA~ 7,054 100.0 49.5 

Oklahoma City, OK 530 100.0 51.7 

Omaha-Council Bluffs, NE-IA 313 100.0 63.2 

Orlando-Kissimmee-Sanford, FL 861 100.0 44.3 

Philadelphia-Camden-Wilmington, PA-NJ-DE-MD 2,280 100.0 57.7 

Phoenix-Mesa-Scottsdale, AZ 1,573 100.0 64.7 

Pittsburgh, PA 1,062 100.0 64.0 

Portland-South Portland, ME~ 185 100.0 69.2 

Portland-Vancouver-Hillsboro, OR-WA 857 100.0 66.1 

Providence-Warwick, RI-MA~ 521 100.0 55.1 

Richmond, VA~ 472 100.0 57.9 

Riverside-San Bernardino-Ontario, CA 1,346 100.0 46.6 

Sacramento--Roseville--Arden-Arcade, CA 900 100.0 59.9 

St. Louis, MO-IL~ 1,200 100.0 68.8 

Salisbury, MD-DE~ 127 100.0 42.5 

Salt Lake City, UT~ 431 100.0 72.4 

San Antonio-New Braunfels, TX 880 100.0 52.3 

San Diego-Carlsbad, CA 1,212 100.0 52.2 

San Francisco-Oakland-Hayward, CA 1,694 100.0 55.0 

Seattle-Tacoma-Bellevue, WA 1,395 100.0 67.4 

Sioux Falls, SD 119 100.0 71.1 

Tampa-St. Petersburg-Clearwater, FL 1,268 100.0 42.6 

Tucson, AZ NA NA NA 

Tulsa, OK 376 100.0 64.8 

Urban Honolulu, HI 344 100.0 59.3 

Virginia Beach-Norfolk-Newport News, VA-NC~ 626 100.0 68.4 

Washington-Arlington-Alexandria, DC-VA-MD-WV~ 2,204 100.0 60.9 

Wichita, KS~ 250 100.0 53.5 

Excludes households with missing information on whether the household saved for unexpected expenses or emergencies. ~ indicates areas with geographic 

boundary changes between the 2013 and 2015 surveys. See Appendix 1 (FDIC Technical Notes) for details. NA indicates that the sample size is too small to 

produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to 

totals because of rounding. 

113 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

E.4 Savings Methods by Banking Status and Household Characteristics, 2015 

For all households that saved for unexpected expenses or emergencies in the past 12 months, row percent 

Characteristics 

Number of 

Households 

(1000s) 

Percent of 

Households 

Checking 

account 

(Percent) 

Savings 

account 

(Percent) 

Prepaid 

card 

(Percent) 

Other 

accounts 

(Percent) 

In home, or 

with family 

or friends 

(Percent) 

Intent 

to pawn 

or sell 

(Percent) 

Other 

method 

(Percent) 

Unknown 

method 

(Percent) 

All 

Unbanked and 

underbanked 

Unbanked 

Banked: Underbanked 

Banked: Fully banked 

Banked: Underbanked 

status unknown 

Family income 

Less than $15,000 

$15,000 to $30,000 

$30,000 to $50,000 

$50,000 to $75,000 

At least $75,000 

Education 

No high school 

diploma 

High school diploma 

Some college 

College degree 

Age group 

15 to 24 years 

25 to 34 years 

35 to 44 years 

45 to 54 years 

55 to 64 years 

65 years or more 

Race/Ethnicity 

Black 

Hispanic 

Asian 

White 

Other 

Disability status 

Disabled, age 25 to 64 

Not disabled, age 25 

to 64 

Not applicable (not 

age 25 to 64) 

Employment status 

Employed 

Unemployed 

Not in labor force 

66,166 

1,579 

13,681 

50,565 

NA 

5,029 

8,229 

12,421 

13,504 

26,983 

3,769 

14,388 

20,413 

27,595 

3,403 

11,876 

11,660 

12,770 

12,530 

13,926 

7,378 

6,184 

2,996 

48,679 

928 

4,141 

44,695 

17,329 

45,594 

1,597 

18,975 

100.0 

100.0 

100.0 

100.0 

NA 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

24.5 

0.7 

24.7 

25.2 

NA 

25.5 

27.8 

25.4 

23.5 

23.4 

26.6 

24.8 

23.5 

24.8 

23.7 

22.8 

21.1 

24.3 

25.3 

28.5 

24.6 

24.3 

28.6 

24.3 

23.1 

22.3 

23.5 

27.5 

23.6 

23.4 

26.7 

70.1 

3.0 

65.7 

73.4 

NA 

47.3 

59.7 

66.5 

73.1 

77.6 

52.1 

62.9 

70.5 

76.0 

66.1 

70.7 

72.9 

71.4 

69.4 

67.6 

65.1 

65.2 

72.8 

71.4 

63.7 

55.1 

72.5 

67.3 

72.6 

63.1 

64.6 

0.5 

12.6 

0.7 

0.1 

NA 

2.2 

1.1 

0.5 

0.5 

0.1 

1.6 

0.8 

0.6 

0.1 

1.5 

1.0 

0.5 

0.5 

0.3 

0.1 

1.9 

0.8 

0.2 

0.2 

2.7 

1.5 

0.5 

0.4 

0.5 

2.0 

0.5 

9.5 

2.4 

5.9 

10.8 

NA 

3.1 

4.4 

5.2 

8.7 

14.6 

3.7 

5.6 

6.5 

14.6 

3.4 

5.5 

8.8 

9.5 

12.4 

12.4 

4.9 

4.1 

8.4 

11.0 

5.6 

5.3 

9.5 

10.6 

8.9 

6.5 

11.2 

10.5 

67.8 

16.7 

7.0 

NA 

26.5 

15.8 

12.4 

9.8 

5.3 

21.6 

15.8 

11.6 

5.3 

17.8 

12.5 

10.9 

10.3 

9.1 

7.9 

16.1 

16.0 

6.8 

9.1 

14.3 

22.2 

9.6 

9.8 

9.9 

17.5 

11.2 

0.2 

0.4 

0.4 

0.2 

NA 

0.1 

0.2 

0.2 

0.4 

0.2 

0.3 

0.3 

0.2 

0.2 

-

0.2 

0.1 

0.3 

0.1 

0.3 

0.3 

0.1 

0.2 

0.2 

1.2 

0.1 

0.2 

0.3 

0.2 

0.3 

0.3 

2.0 

12.3 

2.2 

1.6 

NA 

3.6 

2.5 

2.5 

1.9 

1.4 

3.9 

2.2 

2.3 

1.4 

3.0 

2.0 

1.5 

2.2 

2.4 

1.8 

1.4 

2.0 

1.5 

2.1 

3.8 

4.1 

1.8 

2.0 

1.9 

2.9 

2.3 

1.4 

2.7 

1.2 

1.4 

NA 

1.9 

1.4 

1.5 

1.3 

1.4 

1.9 

1.7 

1.2 

1.4 

0.8 

1.2 

0.9 

1.3 

1.7 

2.2 

1.6 

1.2 

1.6 

1.5 

1.3 

1.9 

1.2 

1.9 

1.3 

1.1 

1.9 

114 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

E.4 Savings Methods by Banking Status and Household Characteristics, 2015 

For all households that saved for unexpected expenses or emergencies in the past 12 months, row percent 

Characteristics 

Number of 

Households 

(1000s) 

Percent of 

Households 

Checking 

account 

(Percent) 

Savings 

account 

(Percent) 

Prepaid 

card 

(Percent) 

Other 

accounts 

(Percent) 

In home, or 

with family 

or friends 

(Percent) 

Intent 

to pawn 

or sell 

(Percent) 

Other 

method 

(Percent) 

Unknown 

method 

(Percent) 

Homeownership 

Homeowner 

Non-homeowner 

Household type 

Married couple 

Unmarried femaleheaded family 

Unmarried maleheaded family 

Female individual 

Male individual 

Other 

Nativity 

U.S.-born 

Foreign-born citizen 

Foreign-born 

non-citizen 

Spanish only 

language spoken 

Spanish is not only 

language spoken 

Spanish is only 

language spoken 

Metropolitan status 

Metropolitan area - 

principal city 

Metropolitan area - 

balance 

Not in metropolitan 

area 

Not identified 

Geographic region 

Northeast 

Midwest 

South 

West 

Monthly income 

volatility 

Income was about the 

same each month 

Income varied 

somewhat from month 

to month 

Income varied a lot 

from month to month 

Unknown 

45,903 

20,263 

34,941 

6,757 

2,853 

10,947 

10,499 

NA 

58,707 

4,204 

3,255 

65,522 

643 

18,347 

29,273 

8,810 

9,735 

11,521 

15,668 

23,350 

15,627 

50,922 

12,065 

2,946 

NA 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

NA 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

NA 

24.2 

25.1 

23.0 

23.7 

27.0 

25.3 

28.4 

NA 

24.0 

27.1 

30.1 

24.5 

21.8 

24.6 

24.9 

24.3 

23.1 

25.5 

24.9 

25.9 

21.2 

24.7 

23.6 

24.7 

NA 

73.1 

63.3 

73.9 

62.8 

62.8 

70.2 

64.1 

NA 

70.4 

72.5 

61.0 

70.3 

46.8 

69.7 

71.9 

65.5 

69.3 

69.4 

69.7 

68.0 

74.0 

71.3 

68.3 

58.8 

NA 

0.1 

1.3 

0.2 

1.8 

1.3 

0.3 

0.7 

NA 

0.5 

0.1 

0.4 

0.5 

-

0.8 

0.3 

0.5 

0.4 

0.5 

0.6 

0.6 

0.3 

0.4 

0.7 

1.2 

NA 

11.7 

4.6 

11.3 

3.7 

6.0 

7.9 

10.0 

NA 

9.8 

9.2 

5.2 

9.6 

2.5 

8.9 

11.3 

6.2 

8.3 

10.8 

9.3 

8.5 

10.3 

9.4 

9.7 

10.5 

NA 

7.8 

16.6 

8.3 

17.5 

13.9 

10.3 

12.4 

NA 

10.4 

7.1 

15.0 

10.3 

27.8 

10.8 

8.8 

14.1 

11.4 

9.8 

10.7 

11.2 

9.6 

9.4 

13.4 

17.1 

NA 

0.2 

0.2 

0.2 

0.2 

0.2 

-

0.4 

NA 

0.2 

0.1 

0.1 

0.2 

0.8 

0.2 

0.2 

0.2 

0.2 

0.2 

0.1 

0.2 

0.4 

0.2 

0.2 

1.3 

NA 

1.8 

2.5 

1.7 

2.2 

3.2 

1.7 

3.0 

NA 

2.1 

1.1 

1.8 

2.0 

1.9 

1.8 

1.6 

3.0 

2.8 

1.9 

2.1 

1.9 

2.3 

1.8 

2.1 

4.7 

NA 

1.5 

1.3 

1.4 

1.8 

1.0 

1.6 

1.2 

NA 

1.4 

1.8 

1.7 

1.4 

3.9 

1.6 

1.4 

1.6 

1.3 

1.8 

1.5 

1.1 

1.7 

1.3 

1.0 

1.7 

NA 

Row percents may not sum to 100 because households were asked to select all methods used. NA indicates that the sample size is too small to produce a precise estimate. - indicates an 

estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding. 

115 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

F.1 Bank Credit by Banking Status and Household Characteristics, 2015 

For all households, row percent 

Characteristics 

Number of 

Households 

(1000s) 

Percent of 

Households 

Credit card 

(Percent) 

Personal loan 

or line of credit from 

bank (Percent) 

Credit card or 

personal loan or line 

of credit from bank 

(Percent) 

All 

Unbanked and underbanked 

Unbanked 

Banked: Underbanked 

Banked: Fully banked 

Banked: Underbanked status 

unknown 

Family income 

Less than $15,000 

$15,000 to $30,000 

$30,000 to $50,000 

$50,000 to $75,000 

At least $75,000 

Education 

No high school diploma 

High school diploma 

Some college 

College degree 

Age group 

15 to 24 years 

25 to 34 years 

35 to 44 years 

45 to 54 years 

55 to 64 years 

65 years or more 

Race/Ethnicity 

Black 

Hispanic 

Asian 

White 

Other 

Disability status 

Disabled, age 25 to 64 

Not disabled, age 25 to 64 

Not applicable (not age 25 to 64) 

Employment status 

Employed 

Unemployed 

Not in labor force 

115,767 

7,738 

24,436 

83,387 

NA 

16,065 

19,277 

22,993 

20,948 

36,484 

12,340 

30,009 

34,214 

39,204 

5,940 

19,183 

19,548 

21,634 

21,923 

27,538 

15,828 

14,291 

5,530 

78,491 

1,626 

10,507 

71,782 

33,478 

71,231 

3,476 

41,059 

100.0 

100.0 

100.0 

100.0 

NA 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

66.5 

6.5 

57.8 

74.6 

NA 

30.8 

48.8 

63.6 

75.9 

87.9 

33.1 

55.4 

67.1 

85.0 

51.2 

62.9 

65.9 

67.5 

69.3 

69.7 

43.3 

48.4 

78.9 

73.9 

51.7 

40.1 

70.4 

66.4 

71.3 

44.9 

60.1 

9.8 

1.6 

12.4 

9.8 

NA 

3.7 

6.4 

8.9 

11.4 

14.1 

4.1 

8.5 

10.9 

11.8 

7.4 

9.9 

11.3 

11.6 

10.4 

7.5 

6.8 

6.1 

7.7 

11.3 

9.8 

7.7 

11.2 

7.5 

11.7 

6.1 

6.9 

67.9 

7.9 

60.5 

75.6 

NA 

32.2 

50.9 

65.4 

77.4 

88.7 

34.4 

57.2 

68.8 

85.8 

53.4 

64.8 

67.4 

69.0 

70.6 

70.5 

45.2 

50.0 

79.2 

75.2 

54.3 

42.5 

71.8 

67.4 

72.8 

46.5 

61.2 

116 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

F.1 Bank Credit by Banking Status and Household Characteristics, 2015 

For all households, row percent 

Characteristics 

Number of 

Households 

(1000s) 

Percent of 

Households 

Credit card 

(Percent) 

Personal loan 

or line of credit from 

bank (Percent) 

Credit card or 

personal loan or line 

of credit from bank 

(Percent) 

Homeownership 

Homeowner 

Non-homeowner 

Household type 

Married couple 

Unmarried female-headed family 

Unmarried male-headed family 

Female individual 

Male individual 

Other 

Nativity 

U.S.-born 

Foreign-born citizen 

Foreign-born non-citizen 

Spanish only language spoken 

Spanish is not only language 

spoken 

Spanish is only language spoken 

Metropolitan status 

Metropolitan area - principal city 

Metropolitan area - balance 

Not in metropolitan area 

Not identified 

Geographic region 

Northeast 

Midwest 

South 

West 

Monthly income volatility 

Income was about the same each 

month 

Income varied somewhat from 

month to month 

Income varied a lot from month 

to month 

Unknown 

73,744 

42,023 

54,622 

14,358 

5,480 

21,114 

19,938 

NA 

99,198 

8,613 

7,956 

113,322 

2,445 

32,566 

49,555 

16,634 

17,012 

20,156 

25,311 

44,301 

25,999 

89,427 

20,321 

5,669 

NA 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

NA 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

NA 

76.7 

48.5 

76.4 

48.4 

53.9 

62.3 

60.6 

NA 

67.7 

69.1 

48.2 

67.3 

28.5 

63.0 

72.2 

56.3 

66.4 

71.5 

70.2 

59.1 

71.5 

67.5 

64.5 

58.8 

NA 

11.7 

6.6 

12.1 

7.7 

10.3 

6.9 

8.2 

NA 

10.4 

7.3 

5.6 

10.0 

3.0 

8.4 

9.8 

11.0 

11.7 

10.1 

10.9 

9.1 

9.9 

9.2 

11.9 

13.5 

NA 

77.9 

50.3 

77.6 

50.6 

55.8 

63.4 

62.1 

NA 

69.2 

69.9 

49.2 

68.7 

29.4 

64.3 

73.2 

58.8 

68.1 

72.7 

71.6 

60.7 

72.8 

68.8 

66.3 

61.0 

NA 

Excludes households with missing information on any of the following: credit card, personal loan or line of credit from bank, nonbank credit, bank credit 

application or denial, discouraged about applying for bank credit, or fell behind on bills. NA indicates that the sample size is too small to produce a precise 

estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of 

rounding. 

117 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

F.2 Bank and Nonbank Credit by Banking Status and Household Characteristics, 2015 

For all households, row percent 

Characteristics 

Number of 

Households 

(1000s) 

Percent of 

Households 

Bank 

credit only

 (Percent) 

Bank and 

nonbank credit 

(Percent) 

Nonbank 

credit only 

(Percent) 

No credit 

(Percent) 

All 

Unbanked and underbanked 

Unbanked 

Banked: Underbanked 

Banked: Fully banked 

Banked: Underbanked status 

unknown 

Family income 

Less than $15,000 

$15,000 to $30,000 

$30,000 to $50,000 

$50,000 to $75,000 

At least $75,000 

Education 

No high school diploma 

High school diploma 

Some college 

College degree 

Age group 

15 to 24 years 

25 to 34 years 

35 to 44 years 

45 to 54 years 

55 to 64 years 

65 years or more 

Race/Ethnicity 

Black 

Hispanic 

Asian 

White 

Other 

Disability status 

Disabled, age 25 to 64 

Not disabled, age 25 to 64 

Not applicable (not age 25 to 64) 

Employment status 

Employed 

Unemployed 

Not in labor force 

115,767 

7,738 

24,436 

83,387 

NA 

16,065 

19,277 

22,993 

20,948 

36,484 

12,340 

30,009 

34,214 

39,204 

5,940 

19,183 

19,548 

21,634 

21,923 

27,538 

15,828 

14,291 

5,530 

78,491 

1,626 

10,507 

71,782 

33,478 

71,231 

3,476 

41,059 

100.0 

100.0 

100.0 

100.0 

NA 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

63.8 

5.7 

42.1 

75.6 

NA 

29.1 

46.8 

59.9 

72.7 

85.6 

30.4 

53.0 

63.9 

82.6 

47.0 

59.1 

62.5 

64.7 

67.4 

68.2 

40.4 

45.3 

75.5 

71.5 

48.0 

37.3 

67.4 

64.4 

68.2 

41.4 

58.1 

4.0 

2.2 

18.5 

-

NA 

3.1 

4.1 

5.5 

4.7 

3.1 

4.0 

4.2 

4.9 

3.2 

6.4 

5.7 

4.9 

4.3 

3.2 

2.2 

4.8 

4.8 

3.7 

3.7 

6.3 

5.1 

4.4 

3.0 

4.5 

5.1 

3.1 

4.1 

16.4 

14.4 

-

NA 

10.0 

6.9 

4.8 

2.3 

0.7 

8.2 

6.3 

4.4 

0.9 

7.9 

6.4 

5.4 

4.3 

3.0 

1.5 

9.4 

5.8 

1.1 

2.8 

10.8 

10.5 

3.9 

2.7 

3.7 

11.1 

4.2 

28.0 

75.7 

25.1 

24.4 

NA 

57.8 

42.2 

29.9 

20.3 

10.6 

57.3 

36.5 

26.8 

13.3 

38.7 

28.8 

27.2 

26.7 

26.4 

28.0 

45.4 

44.2 

19.7 

22.0 

35.0 

47.0 

24.3 

29.9 

23.5 

42.5 

34.6 

118 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

F.2 Bank and Nonbank Credit by Banking Status and Household Characteristics, 2015 

For all households, row percent 

Characteristics 

Number of 

Households 

(1000s) 

Percent of 

Households 

Bank 

credit only

 (Percent) 

Bank and 

nonbank credit 

(Percent) 

Nonbank 

credit only 

(Percent) 

No credit 

(Percent) 

Homeownership 

Homeowner 

Non-homeowner 

Household type 

Married couple 

Unmarried female-headed family 

Unmarried male-headed family 

Female individual 

Male individual 

Other 

Nativity 

U.S.-born 

Foreign-born citizen 

Foreign-born non-citizen 

Spanish only language spoken 

Spanish is not only language 

spoken 

Spanish is only language spoken 

Metropolitan status 

Metropolitan area - principal city 

Metropolitan area - balance 

Not in metropolitan area 

Not identified 

Geographic region 

Northeast 

Midwest 

South 

West 

Monthly income volatility 

Income was about the same each 

month 

Income varied somewhat from 

month to month 

Income varied a lot from month 

to month 

Unknown 

73,744 

42,023 

54,622 

14,358 

5,480 

21,114 

19,938 

NA 

99,198 

8,613 

7,956 

113,322 

2,445 

32,566 

49,555 

16,634 

17,012 

20,156 

25,311 

44,301 

25,999 

89,427 

20,321 

5,669 

NA 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

NA 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

NA 

74.5 

45.2 

73.8 

44.7 

51.4 

59.9 

58.2 

NA 

65.1 

67.1 

44.5 

64.6 

27.0 

60.0 

69.8 

54.6 

63.0 

69.5 

67.7 

56.5 

68.2 

65.3 

60.8 

53.4 

NA 

3.5 

5.1 

3.8 

5.9 

4.4 

3.4 

4.0 

NA 

4.1 

2.9 

4.7 

4.1 

2.4 

4.3 

3.5 

4.2 

5.2 

3.3 

3.8 

4.2 

4.6 

3.5 

5.5 

7.6 

NA 

1.9 

8.1 

2.7 

10.0 

6.1 

3.4 

3.9 

NA 

4.3 

2.0 

4.4 

4.1 

5.8 

4.5 

3.1 

6.3 

4.4 

2.8 

3.8 

5.4 

3.3 

3.4 

6.1 

7.9 

NA 

20.2 

41.6 

19.7 

39.4 

38.1 

33.3 

33.9 

NA 

26.5 

28.1 

46.3 

27.2 

64.8 

31.2 

23.7 

34.9 

27.4 

24.5 

24.6 

33.9 

24.0 

27.8 

27.6 

31.1 

NA 

Excludes households with missing information on any of the following: credit card, personal loan or line of credit from bank, nonbank credit, bank credit application 

or denial, discouraged about applying for bank credit, or fell behind on bills. Households may have used credit products that were not asked about in the survey 

(e.g., mortgages, auto loans, certain nonbank installment loans, and informal loans from family or friends). NA indicates that the sample size is too small to produce 

a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because 

of rounding. 

119 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

F.3 Applications and Potential Ability to Qualify for Bank Credit by Banking Status and Household 

Characteristics, 2015 

For all households, row percent 

Characteristics 

Number of 

Households 

(1000s) 

Percent of 

Households 

Applied for 

bank credit 

(Percent) 

Denied 

bank credit 

(Percent) 

Discouraged 

about applying 

for bank credit 

(Percent) 

Fell behind 

on bills 

(Percent) 

All 

Unbanked and underbanked 

Unbanked 

Banked: Underbanked 

Banked: Fully banked 

Banked: Underbanked status 

unknown 

Family income 

Less than $15,000 

$15,000 to $30,000 

$30,000 to $50,000 

$50,000 to $75,000 

At least $75,000 

Education 

No high school diploma 

High school diploma 

Some college 

College degree 

Age group 

15 to 24 years 

25 to 34 years 

35 to 44 years 

45 to 54 years 

55 to 64 years 

65 years or more 

Race/Ethnicity 

Black 

Hispanic 

Asian 

White 

Other 

Disability status 

Disabled, age 25 to 64 

Not disabled, age 25 to 64 

Not applicable (not age 25 to 64) 

Employment status 

Employed 

Unemployed 

Not in labor force 

115,767 

7,738 

24,436 

83,387 

NA 

16,065 

19,277 

22,993 

20,948 

36,484 

12,340 

30,009 

34,214 

39,204 

5,940 

19,183 

19,548 

21,634 

21,923 

27,538 

15,828 

14,291 

5,530 

78,491 

1,626 

10,507 

71,782 

33,478 

71,231 

3,476 

41,059 

100.0 

100.0 

100.0 

100.0 

NA 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

13.9 

2.5 

17.8 

13.8 

NA 

6.0 

9.3 

12.1 

15.9 

19.8 

5.5 

10.3 

15.5 

17.9 

16.6 

17.8 

16.9 

15.8 

12.7 

7.9 

10.0 

11.5 

17.3 

14.9 

12.6 

11.3 

16.4 

9.4 

17.1 

11.9 

8.6 

2.8 

1.5 

5.8 

2.0 

NA 

2.5 

3.3 

3.1 

3.2 

2.1 

1.9 

2.7 

3.7 

2.4 

5.4 

4.3 

3.7 

2.9 

2.2 

0.9 

2.8 

3.6 

2.9 

2.6 

3.0 

3.7 

3.2 

1.7 

3.2 

5.6 

1.8 

6.1 

10.7 

13.3 

3.5 

NA 

9.5 

8.7 

6.4 

5.6 

3.3 

7.0 

7.3 

7.1 

4.0 

10.2 

9.3 

7.3 

6.9 

4.9 

2.4 

10.7 

8.7 

4.4 

4.7 

9.6 

11.3 

6.4 

3.8 

6.6 

13.2 

4.7 

16.9 

42.2 

32.5 

10.0 

NA 

32.0 

24.8 

18.3 

13.6 

7.1 

25.5 

21.2 

19.5 

8.6 

20.8 

22.0 

21.7 

19.7 

16.0 

7.6 

30.7 

23.0 

8.8 

13.4 

25.7 

34.2 

17.6 

9.9 

16.8 

41.3 

15.0 

120 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

F.3 Applications and Potential Ability to Qualify for Bank Credit by Banking Status and Household 

Characteristics, 2015 

For all households, row percent 

Characteristics 

Number of 

Households 

(1000s) 

Percent of 

Households 

Applied for 

bank credit 

(Percent) 

Denied 

bank credit 

(Percent) 

Discouraged 

about applying 

for bank credit 

(Percent) 

Fell behind 

on bills 

(Percent) 

Homeownership 

Homeowner 

Non-homeowner 

Household type 

Married couple 

Unmarried female-headed family 

Unmarried male-headed family 

Female individual 

Male individual 

Other 

Nativity 

U.S.-born 

Foreign-born citizen 

Foreign-born non-citizen 

Spanish only language spoken 

Spanish is not only language 

spoken 

Spanish is only language spoken 

Metropolitan status 

Metropolitan area - principal city 

Metropolitan area - balance 

Not in metropolitan area 

Not identified 

Geographic region 

Northeast 

Midwest 

South 

West 

Monthly income volatility 

Income was about the same each 

month 

Income varied somewhat from 

month to month 

Income varied a lot from month 

to month 

Unknown 

73,744 

42,023 

54,622 

14,358 

5,480 

21,114 

19,938 

NA 

99,198 

8,613 

7,956 

113,322 

2,445 

32,566 

49,555 

16,634 

17,012 

20,156 

25,311 

44,301 

25,999 

89,427 

20,321 

5,669 

NA 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

NA 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

100.0 

NA 

14.5 

12.9 

15.9 

12.4 

12.4 

10.7 

13.2 

NA 

14.1 

13.4 

11.8 

14.0 

7.5 

14.4 

14.8 

10.8 

13.5 

14.6 

14.3 

12.4 

15.6 

13.0 

16.3 

19.2 

NA 

2.0 

4.2 

2.5 

3.8 

3.5 

2.1 

3.3 

NA 

2.8 

2.5 

3.5 

2.8 

3.3 

3.2 

2.6 

2.4 

2.9 

2.7 

2.6 

2.7 

3.3 

2.2 

4.1 

6.6 

NA 

3.7 

10.3 

4.4 

11.6 

9.6 

5.7 

6.2 

NA 

6.0 

5.5 

7.3 

6.1 

6.3 

7.6 

5.6 

4.9 

5.8 

5.9 

5.4 

6.0 

7.0 

4.8 

9.1 

15.4 

NA 

11.5 

26.3 

12.8 

34.0 

25.2 

14.6 

16.0 

NA 

16.9 

13.6 

20.5 

16.7 

24.2 

19.0 

15.0 

18.7 

16.7 

17.1 

16.6 

17.7 

15.7 

13.5 

24.8 

41.8 

NA 

Excludes households with missing information on any of the following: credit card, personal loan or line of credit from bank, nonbank credit, bank credit 

application or denial, discouraged about applying for bank credit, or fell behind on bills. NA indicates that the sample size is too small to produce a precise 

estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of 

rounding. 

121 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

F.4 Bank Credit by State, 2015 

For all households, row percent 

Geography 

Number of 

Households 

(1000s) 

Percent of 

Households 

Credit card 

(Percent) 

Personal loan or line 

of credit from bank 

(Percent) 

Credit card or 

personal loan or line 

of credit from bank 

(Percent) 

All 115,767 100.0 66.5 9.8 67.9 

State 

AL 1,985 100.0 49.9 7.7 51.7 

AK 259 100.0 66.0 15.8 67.5 

AZ 2,493 100.0 64.7 6.6 65.4 

AR 1,122 100.0 53.7 9.0 55.3 

CA 12,634 100.0 73.0 9.4 74.2 

CO 2,088 100.0 76.2 9.4 76.9 

CT 1,269 100.0 79.8 12.2 80.5 

DE 342 100.0 77.9 8.0 78.2 

DC 293 100.0 70.0 8.5 70.2 

FL 7,438 100.0 60.9 6.4 61.8 

GA 3,665 100.0 53.8 10.2 55.1 

HI 445 100.0 77.8 11.0 79.5 

ID 598 100.0 60.9 12.7 63.4 

IL 4,605 100.0 74.9 7.8 75.6 

IN 2,523 100.0 69.5 8.7 70.1 

IA 1,175 100.0 70.0 18.6 73.0 

KS 1,072 100.0 57.8 13.3 61.0 

KY 1,681 100.0 61.9 11.7 65.0 

LA 1,771 100.0 54.4 7.5 56.2 

ME 545 100.0 70.3 13.6 72.8 

MD 2,108 100.0 75.2 14.9 76.4 

MA 2,475 100.0 72.8 8.1 72.9 

MI 3,745 100.0 68.8 10.6 70.0 

MN 2,216 100.0 74.3 14.5 77.1 

MS 1,108 100.0 47.9 11.3 49.9 

MO 2,249 100.0 66.7 12.2 68.4 

MT 398 100.0 76.9 11.1 78.2 

NE 670 100.0 71.8 17.5 73.9 

NV 1,109 100.0 66.5 7.8 67.3 

NH 509 100.0 74.3 14.7 76.0 

NJ 3,116 100.0 76.6 8.6 76.8 

NM 739 100.0 53.7 7.6 55.4 

NY 6,825 100.0 64.7 7.4 66.2 

NC 3,608 100.0 57.7 8.5 59.8 

ND 298 100.0 68.1 17.6 69.7 

OH 4,189 100.0 68.6 9.6 69.2 

122 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

F.4 Bank Credit by State, 2015 

For all households, row percent 

Geography 

Number of 

Households 

(1000s) 

Percent of 

Households 

Credit card 

(Percent) 

Personal loan or line 

of credit from bank 

(Percent) 

Credit card or 

personal loan or line 

of credit from bank 

(Percent) 

OK 1,525 100.0 56.0 13.3 59.9 

OR 1,427 100.0 73.0 14.2 74.5 

PA 4,781 100.0 73.7 14.2 75.9 

RI 389 100.0 77.2 10.0 78.0 

SC 1,895 100.0 58.2 11.4 60.0 

SD 315 100.0 72.8 15.5 74.2 

TN 2,621 100.0 51.1 9.0 52.6 

TX 9,497 100.0 59.8 8.3 61.3 

UT 938 100.0 77.5 12.9 78.5 

VT 248 100.0 80.6 14.3 81.6 

VA 2,937 100.0 71.0 9.6 72.2 

WA 2,638 100.0 72.1 11.9 73.7 

WV 705 100.0 52.6 11.6 55.9 

WI 2,254 100.0 71.9 9.0 73.2 

WY 232 100.0 76.1 13.9 78.8 

Excludes households with missing information on any of the following: credit card, personal loan or line of credit from bank, nonbank credit, bank credit 

application or denial, discouraged about applying for bank credit, or fell behind on bills. NA indicates that the sample size is too small to produce a precise 

estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of 

rounding. 

123 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

F.5 Applications and Potential Ability to Qualify for Bank Credit by State, 2015 

For all households, row percent 

Geography 

Number of 

Households 

(1000s) 

Percent of 

Households 

Applied for 

bank credit 

(Percent) 

Denied 

bank credit 

(Percent) 

Discouraged 

about applying 

for bank credit 

(Percent) 

Fell behind 

on bills 

(Percent) 

All 115,767 100.0 13.9 2.8 6.1 16.9 

State 

AL 1,985 100.0 7.8 1.5 5.6 17.6 

AK 259 100.0 17.0 2.7 8.7 18.0 

AZ 2,493 100.0 14.0 2.7 6.3 14.1 

AR 1,122 100.0 9.7 1.7 5.9 14.8 

CA 12,634 100.0 16.6 3.8 7.6 15.0 

CO 2,088 100.0 12.7 0.9 6.3 13.7 

CT 1,269 100.0 20.7 5.4 6.4 18.3 

DE 342 100.0 9.9 3.1 3.4 14.0 

DC 293 100.0 14.7 2.8 8.1 15.6 

FL 7,438 100.0 11.9 2.5 6.1 16.1 

GA 3,665 100.0 12.3 2.9 8.9 21.0 

HI 445 100.0 8.6 2.0 4.5 15.9 

ID 598 100.0 14.9 2.2 6.0 16.7 

IL 4,605 100.0 14.7 3.0 5.4 16.8 

IN 2,523 100.0 13.1 1.9 5.1 16.0 

IA 1,175 100.0 18.6 3.3 6.5 14.4 

KS 1,072 100.0 12.7 2.4 4.0 16.7 

KY 1,681 100.0 11.9 4.4 7.5 17.2 

LA 1,771 100.0 9.5 2.4 5.2 22.1 

ME 545 100.0 15.1 3.1 5.4 19.8 

MD 2,108 100.0 16.4 4.5 6.7 19.7 

MA 2,475 100.0 15.4 2.2 8.0 20.4 

MI 3,745 100.0 11.8 1.7 5.3 19.1 

MN 2,216 100.0 15.8 3.6 3.9 14.3 

MS 1,108 100.0 8.9 1.9 6.6 18.3 

MO 2,249 100.0 15.1 2.5 4.9 16.6 

MT 398 100.0 15.2 2.5 3.0 14.5 

NE 670 100.0 14.4 2.5 6.3 15.5 

NV 1,109 100.0 12.0 4.0 10.4 20.6 

NH 509 100.0 17.7 2.0 4.3 14.8 

NJ 3,116 100.0 13.2 1.5 4.5 13.9 

NM 739 100.0 10.3 2.5 6.4 22.8 

NY 6,825 100.0 11.7 2.6 5.8 16.5 

NC 3,608 100.0 14.0 2.3 6.1 20.6 

ND 298 100.0 16.2 2.0 6.1 11.6 

OH 4,189 100.0 14.9 2.5 6.8 16.6 

124 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

F.5 Applications and Potential Ability to Qualify for Bank Credit by State, 2015 

For all households, row percent 

Geography 

Number of 

Households 

(1000s) 

Percent of 

Households 

Applied for 

bank credit 

(Percent) 

Denied 

bank credit 

(Percent) 

Discouraged 

about applying 

for bank credit 

(Percent) 

Fell behind 

on bills 

(Percent) 

OK 1,525 100.0 11.8 3.1 5.7 17.3 

OR 1,427 100.0 17.4 3.1 7.0 16.9 

PA 4,781 100.0 17.2 3.1 6.3 17.9 

RI 389 100.0 17.0 2.9 5.8 17.7 

SC 1,895 100.0 10.7 2.3 5.9 19.2 

SD 315 100.0 13.3 2.0 6.5 14.4 

TN 2,621 100.0 9.7 1.8 4.6 13.9 

TX 9,497 100.0 14.4 3.1 5.3 17.3 

UT 938 100.0 15.2 2.3 4.9 19.4 

VT 248 100.0 14.5 2.6 3.2 13.4 

VA 2,937 100.0 13.5 1.6 5.5 15.1 

WA 2,638 100.0 18.0 4.1 6.3 16.0 

WV 705 100.0 10.5 3.4 6.5 19.5 

WI 2,254 100.0 14.0 3.0 4.8 17.3 

WY 232 100.0 14.5 3.3 4.4 15.7 

Excludes households with missing information on any of the following: credit card, personal loan or line of credit from bank, nonbank credit, bank credit 

application or denial, discouraged about applying for bank credit, or fell behind on bills. NA indicates that the sample size is too small to produce a precise 

estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of 

rounding. 

125 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

F.6 Bank Credit by MSA, 2015 

For all households, row percent 

Geography 

Number of 

Households 

(1000s) 

Percent of 

Households 

Credit card 

(Percent) 

Personal loan or 

line of credit from 

bank (Percent) 

Credit card or 

personal loan or line 

of credit from bank 

(Percent) 

All 115,767 100.0 66.5 9.8 67.9 

MSA 

Albuquerque, NM 348 100.0 62.0 6.7 64.4 

Atlanta-Sandy Springs-Roswell, GA~ 2,105 100.0 59.4 9.9 60.5 

Austin-Round Rock, TX NA NA NA NA NA 

Baltimore-Columbia-Towson, MD 872 100.0 72.5 17.6 74.5 

Baton Rouge, LA 282 100.0 54.8 4.6 56.2 

Billings, MT~ 52 100.0 75.3 9.4 77.0 

Birmingham-Hoover, AL 446 100.0 61.1 6.5 61.9 

Boise City, ID 217 100.0 67.6 13.5 68.7 

Boston-Cambridge-Newton, MA-NH~ 1,753 100.0 77.3 10.1 77.8 

Bridgeport-Stamford-Norwalk, CT~ 336 100.0 80.3 12.6 81.5 

Burlington-South Burlington, VT~ 86 100.0 80.8 16.9 81.4 

Charlotte-Concord-Gastonia, NC-SC~ 1,058 100.0 59.7 10.6 61.5 

Chicago-Naperville-Elgin, IL-IN-WI 3,252 100.0 75.8 6.2 76.1 

Cincinnati, OH-KY-IN~ 748 100.0 69.1 8.2 69.8 

Cleveland-Elyria, OH 807 100.0 70.3 8.6 70.3 

Columbia, SC 393 100.0 69.3 20.0 69.3 

Columbus, OH~ 742 100.0 77.9 15.9 79.0 

Dallas-Fort Worth-Arlington, TX~ 2,734 100.0 70.4 8.9 71.0 

Denver-Aurora-Lakewood, CO 1,123 100.0 75.5 9.4 75.8 

Detroit-Warren-Dearborn, MI 1,644 100.0 68.8 9.8 69.7 

Fargo, ND-MN 80 100.0 85.3 25.3 86.7 

Grand Rapids-Wyoming, MI~ NA NA NA NA NA 

Greenville-Anderson-Mauldin, SC~ 340 100.0 58.0 11.1 60.8 

Hartford-West Hartford-East Hartford, CT~ 430 100.0 76.5 13.3 76.5 

Houston-The Woodlands-Sugar Land, TX~ 2,311 100.0 58.6 6.8 60.2 

Indianapolis-Carmel-Anderson, IN~ 790 100.0 66.4 7.4 67.7 

Jackson, MS~ 224 100.0 60.8 12.5 62.0 

Kansas City, MO-KS~ 771 100.0 59.9 10.1 61.8 

Las Vegas-Henderson-Paradise, NV 813 100.0 60.6 8.0 61.5 

Little Rock-North Little Rock-Conway, AR 315 100.0 55.4 8.2 57.5 

Los Angeles-Long Beach-Anaheim, CA 4,020 100.0 70.0 7.7 70.9 

Louisville/Jefferson County, KY-IN~ 465 100.0 66.2 13.5 67.9 

Manchester-Nashua, NH~ 123 100.0 71.1 10.7 72.1 

Memphis, TN-MS-AR~ 443 100.0 45.8 10.9 45.8 

Miami-Fort Lauderdale-West Palm Beach, FL 2,225 100.0 55.7 5.0 56.4 

Milwaukee-Waukesha-West Allis, WI 629 100.0 63.2 5.7 64.1 

Minneapolis-St. Paul-Bloomington, MN-WI~ 1,279 100.0 78.3 14.1 80.8 

126 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

F.6 Bank Credit by MSA, 2015 

For all households, row percent 

Geography 

Number of 

Households 

(1000s) 

Percent of 

Households 

Credit card 

(Percent) 

Personal loan or 

line of credit from 

bank (Percent) 

Credit card or 

personal loan or line 

of credit from bank 

(Percent) 

Nashville-Davidson--Murfreesboro--Franklin, TN~ 791 100.0 61.9 7.6 63.9 

New Haven-Milford, CT~ NA NA NA NA NA 

New Orleans-Metairie, LA~ 535 100.0 56.1 3.1 56.1 

New York-Newark-Jersey City, NY-NJ-PA~ 6,895 100.0 66.8 6.7 67.9 

Oklahoma City, OK 534 100.0 58.8 10.3 60.4 

Omaha-Council Bluffs, NE-IA 310 100.0 76.8 20.1 80.0 

Orlando-Kissimmee-Sanford, FL 854 100.0 55.4 7.0 57.8 

Philadelphia-Camden-Wilmington, PA-NJ-DE-MD 2,238 100.0 77.6 11.8 78.7 

Phoenix-Mesa-Scottsdale, AZ 1,555 100.0 64.1 5.9 64.9 

Pittsburgh, PA 1,072 100.0 73.7 17.3 79.1 

Portland-South Portland, ME~ 183 100.0 78.6 15.1 79.2 

Portland-Vancouver-Hillsboro, OR-WA 842 100.0 75.6 9.3 75.9 

Providence-Warwick, RI-MA~ 522 100.0 74.5 7.5 75.1 

Richmond, VA~ NA NA NA NA NA 

Riverside-San Bernardino-Ontario, CA 1,342 100.0 71.1 8.1 71.9 

Sacramento--Roseville--Arden-Arcade, CA 885 100.0 63.2 13.1 65.9 

St. Louis, MO-IL~ 1,188 100.0 74.7 10.4 74.7 

Salisbury, MD-DE~ 125 100.0 61.4 4.6 61.4 

Salt Lake City, UT~ 427 100.0 78.4 11.6 78.9 

San Antonio-New Braunfels, TX 843 100.0 57.1 7.7 58.9 

San Diego-Carlsbad, CA 1,162 100.0 80.2 11.7 81.6 

San Francisco-Oakland-Hayward, CA 1,678 100.0 81.6 9.6 81.9 

Seattle-Tacoma-Bellevue, WA 1,390 100.0 79.1 11.1 79.8 

Sioux Falls, SD 117 100.0 79.1 14.2 79.7 

Tampa-St. Petersburg-Clearwater, FL 1,250 100.0 69.0 6.5 69.4 

Tucson, AZ NA NA NA NA NA 

Tulsa, OK 376 100.0 55.0 12.8 57.5 

Urban Honolulu, HI 339 100.0 79.3 10.4 80.7 

Virginia Beach-Norfolk-Newport News, VA-NC~ 621 100.0 69.9 9.3 70.7 

Washington-Arlington-Alexandria, DC-VA-MDWV~ 2,177 100.0 82.6 10.1 82.9 

Wichita, KS~ 251 100.0 63.8 12.6 63.8 

Excludes households with missing information on any of the following: credit card, personal loan or line of credit from bank, nonbank credit, bank credit application 

or denial, discouraged about applying for bank credit, or fell behind on bills. ~ indicates areas with geographic boundary changes between the 2013 and 2015 

surveys. See Appendix 1 (FDIC Technical Notes) for details. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of 

zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding. 

127 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

F.7 Applications and Potential Ability to Qualify for Bank Credit by MSA, 2015 

For all households, row percent 

Geography 

Number of 

Households 

(1000s) 

Percent of 

Households 

Applied for 

bank credit 

(Percent) 

Denied

 bank credit 

(Percent) 

Discouraged 

about applying 

for bank credit 

(Percent) 

Fell behind 

on bills 

(Percent) 

All 115,767 100.0 13.9 2.8 6.1 16.9 

MSA 

Albuquerque, NM 348 100.0 12.1 2.8 6.0 22.3 

Atlanta-Sandy Springs-Roswell, GA~ 2,105 100.0 12.7 3.3 8.6 17.7 

Austin-Round Rock, TX NA NA NA NA NA NA 

Baltimore-Columbia-Towson, MD 872 100.0 22.0 5.5 7.6 21.3 

Baton Rouge, LA 282 100.0 9.6 - 5.7 18.0 

Billings, MT~ 52 100.0 7.5 1.7 6.1 18.7 

Birmingham-Hoover, AL 446 100.0 8.5 3.6 5.8 16.2 

Boise City, ID 217 100.0 12.6 1.4 5.6 13.3 

Boston-Cambridge-Newton, MA-NH~ 1,753 100.0 18.6 2.2 6.9 20.9 

Bridgeport-Stamford-Norwalk, CT~ 336 100.0 16.7 3.5 6.2 20.9 

Burlington-South Burlington, VT~ 86 100.0 17.6 1.2 3.6 11.3 

Charlotte-Concord-Gastonia, NC-SC~ 1,058 100.0 20.5 3.8 8.6 20.5 

Chicago-Naperville-Elgin, IL-IN-WI 3,252 100.0 14.9 3.3 5.5 17.9 

Cincinnati, OH-KY-IN~ 748 100.0 13.1 1.2 2.6 12.0 

Cleveland-Elyria, OH 807 100.0 15.2 0.7 6.9 15.3 

Columbia, SC 393 100.0 3.1 - 4.9 17.8 

Columbus, OH~ 742 100.0 18.1 3.2 8.3 18.0 

Dallas-Fort Worth-Arlington, TX~ 2,734 100.0 18.7 4.4 8.5 20.6 

Denver-Aurora-Lakewood, CO 1,123 100.0 17.4 1.1 5.5 12.9 

Detroit-Warren-Dearborn, MI 1,644 100.0 11.4 1.1 6.3 20.3 

Fargo, ND-MN 80 100.0 21.9 4.6 10.6 19.6 

Grand Rapids-Wyoming, MI~ NA NA NA NA NA NA 

Greenville-Anderson-Mauldin, SC~ 340 100.0 11.8 1.6 6.4 16.8 

Hartford-West Hartford-East Hartford, CT~ 430 100.0 26.3 4.4 7.3 22.9 

Houston-The Woodlands-Sugar Land, TX~ 2,311 100.0 13.0 2.2 3.1 12.1 

Indianapolis-Carmel-Anderson, IN~ 790 100.0 13.4 2.7 4.7 16.2 

Jackson, MS~ 224 100.0 4.4 - 7.7 20.9 

Kansas City, MO-KS~ 771 100.0 16.8 3.3 6.1 17.3 

Las Vegas-Henderson-Paradise, NV 813 100.0 12.9 4.6 11.9 24.3 

Little Rock-North Little Rock-Conway, AR 315 100.0 12.4 2.2 7.7 20.4 

Los Angeles-Long Beach-Anaheim, CA 4,020 100.0 17.6 5.5 6.6 15.7 

Louisville/Jefferson County, KY-IN~ 465 100.0 9.9 3.9 4.4 18.0 

Manchester-Nashua, NH~ 123 100.0 14.6 3.6 6.7 10.7 

Memphis, TN-MS-AR~ 443 100.0 5.6 0.8 3.2 10.6 

Miami-Fort Lauderdale-West Palm Beach, FL 2,225 100.0 10.5 3.2 5.6 15.8 

Milwaukee-Waukesha-West Allis, WI 629 100.0 11.3 3.3 5.9 23.0 

Minneapolis-St. Paul-Bloomington, MN-WI~ 1,279 100.0 18.6 3.3 5.3 16.6 

128 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

F.7 Applications and Potential Ability to Qualify for Bank Credit by MSA, 2015 

For all households, row percent 

Geography 

Number of 

Households 

(1000s) 

Percent of 

Households 

Applied for 

bank credit 

(Percent) 

Denied

 bank credit 

(Percent) 

Discouraged 

about applying 

for bank credit 

(Percent) 

Fell behind 

on bills 

(Percent) 

Nashville-Davidson--Murfreesboro--Franklin, 

TN~ 791 100.0 10.0 1.1 4.2 11.7 

New Haven-Milford, CT~ NA NA NA NA NA NA 

New Orleans-Metairie, LA~ 535 100.0 5.5 1.6 4.6 24.1 

New York-Newark-Jersey City, NY-NJ-PA~ 6,895 100.0 11.1 1.6 4.7 15.1 

Oklahoma City, OK 534 100.0 12.5 3.2 4.0 14.9 

Omaha-Council Bluffs, NE-IA 310 100.0 19.8 3.6 10.4 18.6 

Orlando-Kissimmee-Sanford, FL 854 100.0 14.4 0.7 7.9 14.5 

Philadelphia-Camden-Wilmington, PA-NJDE-MD 2,238 100.0 15.4 2.6 5.8 14.6 

Phoenix-Mesa-Scottsdale, AZ 1,555 100.0 15.9 3.4 7.9 14.0 

Pittsburgh, PA 1,072 100.0 23.1 2.9 9.2 20.4 

Portland-South Portland, ME~ 183 100.0 21.1 4.8 7.4 18.1 

Portland-Vancouver-Hillsboro, OR-WA 842 100.0 22.1 4.8 10.5 15.9 

Providence-Warwick, RI-MA~ 522 100.0 16.6 2.7 7.5 18.6 

Richmond, VA~ NA NA NA NA NA NA 

Riverside-San Bernardino-Ontario, CA 1,342 100.0 15.1 4.5 11.4 14.0 

Sacramento--Roseville--Arden-Arcade, CA 885 100.0 14.7 5.8 9.4 17.7 

St. Louis, MO-IL~ 1,188 100.0 19.3 2.8 6.1 14.2 

Salisbury, MD-DE~ 125 100.0 4.0 0.9 0.6 21.6 

Salt Lake City, UT~ 427 100.0 15.3 2.8 4.6 23.3 

San Antonio-New Braunfels, TX 843 100.0 15.0 3.3 5.9 19.2 

San Diego-Carlsbad, CA 1,162 100.0 16.2 4.0 9.2 16.8 

San Francisco-Oakland-Hayward, CA 1,678 100.0 16.8 1.2 3.5 10.4 

Seattle-Tacoma-Bellevue, WA 1,390 100.0 18.6 3.7 4.6 11.5 

Sioux Falls, SD 117 100.0 7.8 0.6 5.1 10.9 

Tampa-St. Petersburg-Clearwater, FL 1,250 100.0 15.5 3.4 5.6 15.4 

Tucson, AZ NA NA NA NA NA NA 

Tulsa, OK 376 100.0 10.3 2.4 4.5 19.0 

Urban Honolulu, HI 339 100.0 7.8 1.3 2.8 14.6 

Virginia Beach-Norfolk-Newport News, VANC~ 621 100.0 9.4 1.8 3.2 17.6 

Washington-Arlington-Alexandria, DC-VAMD-WV~ 2,177 100.0 15.4 2.4 5.3 13.8 

Wichita, KS~ 251 100.0 11.9 2.3 6.4 22.7 

Excludes households with missing information on any of the following: credit card, personal loan or line of credit from bank, nonbank credit, bank credit application 

or denial, discouraged about applying for bank credit, or fell behind on bills. ~ indicates areas with geographic boundary changes between the 2013 and 2015 

surveys. See Appendix 1 (FDIC Technical Notes) for details. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of 

zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding. 

129 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

G.1 All Methods Used to Pay Bills in a Typical Month by Banking Status, 2015 

For all households that paid bills and received income in a typical month, column percent 

Characteristics All Unbanked Banked: 

Underbanked 

Banked: 

Fully banked 

Number of Households (1000s) 116,131 7,345 24,503 84,023 

Percent of Households 

Cash (Percent) 

100.0 100.0 100.0 100.0 

Yes 16.7 62.3 27.7 9.4 

No 

Personal check (Percent) 

83.3 37.7 72.3 90.6 

Yes 61.2 1.7 55.3 68.2 

No 

Debit card (Percent) 

38.8 98.3 44.7 31.8 

Yes 39.7 2.7 56.2 38.2 

No 

Credit card (Percent) 

60.3 97.3 43.8 61.8 

Yes 21.3 6.6 21.1 22.7 

No 

Prepaid card (Percent) 

78.7 93.4 78.9 77.3 

Yes 2.4 18.2 4.0 0.6 

No 

Electronic payment from bank account (Percent) 

97.6 81.8 96.0 99.4 

Yes 64.3 1.6 62.3 70.4 

No 

Nonbank money order (Percent) 

35.7 98.4 37.7 29.6 

Yes 7.6 35.5 25.6 -

No 

Bank money order or cashiers check (Percent) 

92.4 64.5 74.4 100.0 

Yes 5.7 12.4 12.3 3.1 

No 

Other (Percent) 

94.3 87.6 87.7 96.9 

Yes 1.4 7.7 1.6 0.8 

No 

None selected (Percent) 

98.6 92.3 98.4 99.2 

Yes 1.9 10.7 0.9 1.4 

No 

Any bank method (Percent) 

98.1 89.3 99.1 98.6 

Yes 91.4 20.4 92.7 97.2 

No 

Only bank methods (Percent) 

8.6 79.6 7.3 2.8 

Yes 75.5 3.9 54.3 88.0 

No 24.5 96.1 45.7 12.0 

Excludes households with missing information on any of the following: use of prepaid cards or nonbank money orders or check cashers in the past 12 months, 

or methods used to pay bills or receive income. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The 

population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding. 

130 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

G.2 Primary Method Used to Pay Bills in a Typical Month by Banking Status, 2015 

For all households that paid bills and received income in a typical month, column percent 

Characteristics All Unbanked Banked: 

Underbanked 

Banked: 

Fully banked 

Number of Households (1000s) 116,131 7,345 24,503 84,023 

Percent of Households 100.0 100.0 100.0 100.0 

Most common method (Percent) 

Cash 7.7 50.0 11.0 3.0 

Personal check 32.5 0.7 26.2 37.1 

Debit card 10.8 1.1 19.6 9.1 

Credit card 2.9 2.5 2.3 3.1 

Prepaid card 0.8 9.9 0.6 0.1 

Electronic payment from bank account 39.2 0.2 31.1 44.9 

Nonbank money order 2.2 15.6 5.7 -

Bank money order or cashiers check 1.0 3.9 1.5 0.6 

Other 0.7 5.2 0.7 0.3 

Unknown 2.3 10.7 1.2 1.8 

Excludes households with missing information on any of the following: use of prepaid cards or nonbank money orders or check cashers in the past 12 months, 

or methods used to pay bills or receive income. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The 

population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding. 

131 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

G.3 All Methods Used to Receive Income in a Typical Month by Banking Status, 2015 

For all households that paid bills and received income in a typical month, column percent 

Characteristics All Unbanked Banked: 

Underbanked 

Banked: 

Fully banked 

Number of Households (1000s) 116,131 7,345 24,503 84,023 

Percent of Households 

Paper check or money order (Percent) 

100.0 100.0 100.0 100.0 

Yes 29.1 42.1 33.7 26.6 

No 

Direct deposit or electronic transfer into bank account (Percent) 

70.9 57.9 66.3 73.4 

Yes 81.3 3.5 82.0 87.9 

No 

Direct deposit or electronic transfer onto prepaid card (Percent) 

18.7 96.5 18.0 12.1 

Yes 3.9 16.9 5.8 2.2 

No 

Cash (Percent) 

96.1 83.1 94.2 97.8 

Yes 8.2 22.8 10.9 6.2 

No 

Other (Percent) 

91.8 77.2 89.1 93.8 

Yes 1.8 10.7 2.0 1.0 

No 

Used nonbank check casher (Percent) 

98.2 89.3 98.0 99.0 

Yes 2.1 19.1 4.2 -

No 

None selected (Percent) 

97.9 80.9 95.8 100.0 

Yes 5.8 28.7 3.9 4.3 

No 

Any bank method (Percent) 

94.2 71.3 96.1 95.7 

Yes 88.5 3.5 92.4 94.8 

No 

Only bank methods (Percent) 

11.5 96.5 7.6 5.2 

Yes 79.2 2.1 76.2 86.8 

No 20.8 97.9 23.8 13.2 

Excludes households with missing information on any of the following: use of prepaid cards or nonbank money orders or check cashers in the past 12 months, 

or methods used to pay bills or receive income. Estimates of income received through direct deposit onto a prepaid card or using Other methods incorporate 

imputed values for certain households with missing information. See Appendix 1 (FDIC Technical Notes) for details. NA indicates that the sample size is too small 

to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to 

totals because of rounding. 

132 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

G.4 All Methods Used to Pay Bills in a Typical Month by Income, 2015 

For all households that paid bills and received income in a typical month, column percent 

Characteristics All Less than 

$15,000 

$15,000 to 

$30,000 

$30,000 to 

$50,000 

$50,000 to 

$75,000 

At least 

$75,000 

Number of Households (1000s) 116,131 15,551 19,310 23,177 21,207 36,886 

Percent of Households 

Cash (Percent) 

100.0 100.0 100.0 100.0 100.0 100.0 

Yes 16.7 33.8 25.4 17.8 11.8 7.0 

No 

Personal check (Percent) 

83.3 66.2 74.6 82.2 88.2 93.0 

Yes 61.2 43.7 56.9 63.0 66.4 66.7 

No 

Debit card (Percent) 

38.8 56.3 43.1 37.0 33.6 33.3 

Yes 39.7 29.9 37.3 44.0 44.2 39.9 

No 

Credit card (Percent) 

60.3 70.1 62.7 56.0 55.8 60.1 

Yes 21.3 11.3 14.1 18.8 23.4 29.7 

No 

Prepaid card (Percent) 

78.7 88.7 85.9 81.2 76.6 70.3 

Yes 2.4 6.3 3.7 2.2 1.9 0.6 

No 

Electronic payment from bank account (Percent) 

97.6 93.7 96.3 97.8 98.1 99.4 

Yes 64.3 33.1 45.7 60.5 73.4 84.2 

No 

Nonbank money order (Percent) 

35.7 66.9 54.3 39.5 26.6 15.8 

Yes 7.6 17.7 13.2 8.4 4.8 1.7 

No 

Bank money order or cashiers check (Percent) 

92.4 82.3 86.8 91.6 95.2 98.3 

Yes 5.7 9.8 8.3 6.8 4.3 2.5 

No 

Other (Percent) 

94.3 90.2 91.7 93.2 95.7 97.5 

Yes 1.4 4.0 2.0 1.2 0.8 0.6 

No 

None selected (Percent) 

98.6 96.0 98.0 98.8 99.2 99.4 

Yes 1.9 4.7 2.6 1.8 1.2 0.8 

No 

Any bank method (Percent) 

98.1 95.3 97.4 98.2 98.8 99.2 

Yes 91.4 71.8 86.0 92.7 96.8 98.6 

No 

Only bank methods (Percent) 

8.6 28.2 14.0 7.3 3.2 1.4 

Yes 75.5 48.4 63.0 74.0 82.8 90.4 

No 24.5 51.6 37.0 26.0 17.2 9.6 

Excludes households with missing information on any of the following: use of prepaid cards or nonbank money orders or check cashers in the past 12 months, 

or methods used to pay bills or receive income. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The 

population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding. 

133 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

 

G.5 Primary Method Used to Pay Bills in a Typical Month by Income, 2015 

For all households that paid bills and received income in a typical month, column percent 

Characteristics All Less than 

$15,000 

$15,000 to 

$30,000 

$30,000 to 

$50,000 

$50,000 to 

$75,000 

At least 

$75,000 

Number of Households (1000s) 116,131 15,551 19,310 23,177 21,207 36,886 

Percent of Households 100.0 100.0 100.0 100.0 100.0 100.0 

Most common method (Percent) 

Cash 7.7 21.4 14.3 7.4 3.2 1.2 

Personal check 32.5 29.0 37.6 36.9 33.8 27.6 

Debit card 10.8 11.5 13.6 13.4 11.9 6.8 

Credit card 2.9 2.1 2.1 2.2 2.9 4.0 

Prepaid card 0.8 2.8 1.2 0.7 0.4 -

Electronic payment from bank account 39.2 15.7 21.4 33.8 44.5 58.6 

Nonbank money order 2.2 7.3 4.0 2.0 0.7 0.1 

Bank money order or cashiers check 1.0 2.9 1.8 0.9 0.5 0.2 

Other 0.7 2.5 1.0 0.4 0.4 0.2 

Unknown 2.3 4.8 3.0 2.2 1.6 1.2 

Excludes households with missing information on any of the following: use of prepaid cards or nonbank money orders or check cashers in the past 12 months, 

or methods used to pay bills or receive income. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The 

population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding. 

134 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

G.6 All Methods Used to Receive Income in a Typical Month by Income, 2015 

For all households that paid bills and received income in a typical month, column percent 

Characteristics All Less than 

$15,000 

$15,000 to 

$30,000 

$30,000 to 

$50,000 

$50,000 to 

$75,000 

At least 

$75,000 

Number of Households (1000s) 116,131 15,551 19,310 23,177 21,207 36,886 

Percent of Households 

Paper check or money order (Percent) 

100.0 100.0 100.0 100.0 100.0 100.0 

Yes 29.1 26.1 29.1 30.8 29.9 28.8 

No 

Direct deposit or electronic transfer into bank 

account (Percent) 

70.9 73.9 70.9 69.2 70.1 71.2 

Yes 81.3 61.8 71.7 79.7 87.3 92.0 

No 

Direct deposit or electronic transfer onto prepaid 

card (Percent) 

18.7 38.2 28.3 20.3 12.7 8.0 

Yes 3.9 8.3 5.0 3.4 3.2 2.2 

No 

Cash (Percent) 

96.1 91.7 95.0 96.6 96.8 97.8 

Yes 8.2 11.6 10.4 8.5 7.8 5.7 

No 

Other (Percent) 

91.8 88.4 89.6 91.5 92.2 94.3 

Yes 1.8 4.4 2.2 1.6 1.0 1.1 

No 

Used nonbank check casher (Percent) 

98.2 95.6 97.8 98.4 99.0 98.9 

Yes 2.1 5.4 3.9 2.1 0.9 0.4 

No 

None selected (Percent) 

97.9 94.6 96.1 97.9 99.1 99.6 

Yes 5.8 13.3 7.7 5.1 4.2 2.9 

No 

Any bank method (Percent) 

94.2 86.7 92.3 94.9 95.8 97.1 

Yes 88.5 69.0 81.7 89.6 93.9 96.5 

No 

Only bank methods (Percent) 

11.5 31.0 18.3 10.4 6.1 3.5 

Yes 79.2 59.6 72.0 79.8 83.8 88.3 

No 20.8 40.4 28.0 20.2 16.2 11.7 

Excludes households with missing information on any of the following: use of prepaid cards or nonbank money orders or check cashers in the past 12 months, or 

methods used to pay bills or receive income. Estimates of income received through direct deposit onto a prepaid card or using Other methods incorporate imputed 

values for certain households with missing information. See Appendix 1 (FDIC Technical Notes) for details. NA indicates that the sample size is too small to 

produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals 

because of rounding. 

135 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

G.7 All Methods Used to Pay Bills in a Typical Month by Education, 2015 

For all households that paid bills and received income in a typical month, column percent 

Characteristics All No high school 

diploma 

High school 

diploma 

Some 

college 

College 

degree 

Number of Households (1000s) 116,131 12,191 29,981 34,368 39,591 

Percent of Households 

Cash (Percent) 

100.0 100.0 100.0 100.0 100.0 

Yes 16.7 36.0 21.7 16.1 7.4 

No 

Personal check (Percent) 

83.3 64.0 78.3 83.9 92.6 

Yes 61.2 46.5 60.5 61.6 66.0 

No 

Debit card (Percent) 

38.8 53.5 39.5 38.4 34.0 

Yes 39.7 29.7 37.7 46.0 38.9 

No 

Credit card (Percent) 

60.3 70.3 62.3 54.0 61.1 

Yes 21.3 10.0 14.9 19.4 31.4 

No 

Prepaid card (Percent) 

78.7 90.0 85.1 80.6 68.6 

Yes 2.4 4.5 3.3 2.8 0.9 

No 

Electronic payment from bank account 

(Percent) 

97.6 95.5 96.7 97.2 99.1 

Yes 64.3 28.9 51.4 67.6 82.0 

No 

Nonbank money order (Percent) 

35.7 71.1 48.6 32.4 18.0 

Yes 7.6 16.4 10.2 8.6 2.2 

No 

Bank money order or cashiers check 

(Percent) 

92.4 83.6 89.8 91.4 97.8 

Yes 5.7 10.3 6.9 6.4 2.6 

No 

Other (Percent) 

94.3 89.7 93.1 93.6 97.4 

Yes 1.4 3.6 1.7 1.3 0.7 

No 

None selected (Percent) 

98.6 96.4 98.3 98.7 99.3 

Yes 1.9 4.5 2.4 1.5 1.0 

No 

Any bank method (Percent) 

98.1 95.5 97.6 98.5 99.0 

Yes 91.4 72.2 87.9 93.6 98.1 

No 

Only bank methods (Percent) 

8.6 27.8 12.1 6.4 1.9 

Yes 75.5 47.4 68.7 76.0 89.0 

No 24.5 52.6 31.3 24.0 11.0 

Excludes households with missing information on any of the following: use of prepaid cards or nonbank money orders or check cashers in the past 12 months, 

or methods used to pay bills or receive income. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The 

population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding. 

136 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

G.8 Primary Method Used to Pay Bills in a Typical Month by Education, 2015 

For all households that paid bills and received income in a typical month, column percent 

Characteristics All No high school 

diploma 

High school 

diploma 

Some 

college 

College 

degree 

Number of Households (1000s) 116,131 12,191 29,981 34,368 39,591 

Percent of Households 100.0 100.0 100.0 100.0 100.0 

Most common method (Percent) 

Cash 7.7 24.1 11.0 6.2 1.3 

Personal check 32.5 32.6 38.9 31.9 28.1 

Debit card 10.8 10.8 12.4 13.5 7.3 

Credit card 2.9 1.1 1.7 2.4 4.7 

Prepaid card 0.8 1.8 1.2 0.8 0.1 

Electronic payment from bank account 39.2 12.8 26.6 39.9 56.2 

Nonbank money order 2.2 6.9 3.3 1.8 0.3 

Bank money order or cashiers check 1.0 2.8 1.4 1.0 0.2 

Other 0.7 2.3 0.9 0.6 0.2 

Unknown 2.3 4.8 2.7 1.9 1.4 

Excludes households with missing information on any of the following: use of prepaid cards or nonbank money orders or check cashers in the past 12 months, 

or methods used to pay bills or receive income. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The 

population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding. 

137 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

G.9 All Methods Used to Receive Income in a Typical Month by Education, 2015 

For all households that paid bills and received income in a typical month, column percent 

Characteristics All No high school 

diploma 

High school 

diploma 

Some 

college 

College 

degree 

Number of Households (1000s) 116,131 12,191 29,981 34,368 39,591 

Percent of Households 

Paper check or money order (Percent) 

100.0 100.0 100.0 100.0 100.0 

Yes 29.1 31.6 30.4 29.6 26.8 

No 

Direct deposit or electronic transfer 

into bank account (Percent) 

70.9 68.4 69.6 70.4 73.2 

Yes 81.3 60.0 75.1 83.4 90.7 

No 

Direct deposit or electronic transfer 

onto prepaid card (Percent) 

18.7 40.0 24.9 16.6 9.3 

Yes 3.9 6.2 4.6 4.2 2.4 

No 

Cash (Percent) 

96.1 93.8 95.4 95.8 97.6 

Yes 8.2 12.6 8.6 8.6 6.2 

No 

Other (Percent) 

91.8 87.4 91.4 91.4 93.8 

Yes 1.8 3.8 1.8 1.8 1.2 

No 

Used nonbank check casher (Percent) 

98.2 96.2 98.2 98.2 98.8 

Yes 2.1 5.8 3.1 1.9 0.3 

No 

None selected (Percent) 

97.9 94.2 96.9 98.1 99.7 

Yes 5.8 11.1 7.3 5.1 3.6 

No 

Any bank method (Percent) 

94.2 88.9 92.7 94.9 96.4 

Yes 88.5 70.7 84.6 90.4 95.3 

No 

Only bank methods (Percent) 

11.5 29.3 15.4 9.6 4.7 

Yes 79.2 62.0 75.6 79.6 86.9 

No 20.8 38.0 24.4 20.4 13.1 

Excludes households with missing information on any of the following: use of prepaid cards or nonbank money orders or check cashers in the past 12 months, 

or methods used to pay bills or receive income. Estimates of income received through direct deposit onto a prepaid card or using Other methods incorporate 

imputed values for certain households with missing information. See Appendix 1 (FDIC Technical Notes) for details. NA indicates that the sample size is too small 

to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to 

totals because of rounding. 

138 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

G.10 All Methods Used to Pay Bills in a Typical Month by Age, 2015 

For all households that paid bills and received income in a typical month, column percent 

Characteristics All 15 to 24 

years 

25 to 34 

years 

35 to 44 

years 

45 to 54 

years 

55 to 64 

years 

65 years 

or more 

Number of Households (1000s) 116,131 5,884 19,340 19,762 21,787 21,916 27,442 

Percent of Households 

Cash (Percent) 

100.0 100.0 100.0 100.0 100.0 100.0 100.0 

Yes 16.7 27.1 21.7 19.9 17.3 14.3 9.9 

No 

Personal check (Percent) 

83.3 72.9 78.3 80.1 82.7 85.7 90.1 

Yes 61.2 42.4 49.6 54.0 60.2 65.5 76.0 

No 

Debit card (Percent) 

38.8 57.6 50.4 46.0 39.8 34.5 24.0 

Yes 39.7 51.0 53.1 46.8 42.3 34.5 25.0 

No 

Credit card (Percent) 

60.3 49.0 46.9 53.2 57.7 65.5 75.0 

Yes 21.3 20.0 21.7 22.7 20.3 21.1 21.4 

No 

Prepaid card (Percent) 

78.7 80.0 78.3 77.3 79.7 78.9 78.6 

Yes 2.4 4.8 3.9 3.3 2.3 2.0 0.8 

No 

Electronic payment from bank 

account (Percent) 

97.6 95.2 96.1 96.7 97.7 98.0 99.2 

Yes 64.3 59.6 70.6 71.3 69.2 63.8 52.2 

No 

Nonbank money order (Percent) 

35.7 40.4 29.4 28.7 30.8 36.2 47.8 

Yes 7.6 15.1 10.7 8.5 7.6 7.3 3.6 

No 

Bank money order or cashiers 

check (Percent) 

92.4 84.9 89.3 91.5 92.4 92.7 96.4 

Yes 5.7 11.1 6.7 6.8 5.3 5.3 3.5 

No 

Other (Percent) 

94.3 88.9 93.3 93.2 94.7 94.7 96.5 

Yes 1.4 1.2 1.1 1.5 1.5 1.4 1.6 

No 

None selected (Percent) 

98.6 98.8 98.9 98.5 98.5 98.6 98.4 

Yes 1.9 3.2 1.5 1.9 1.4 1.8 2.3 

No 

Any bank method (Percent) 

98.1 96.8 98.5 98.1 98.6 98.2 97.7 

Yes 91.4 85.5 89.0 90.3 92.0 92.2 94.1 

No 

Only bank methods (Percent) 

8.6 14.5 11.0 9.7 8.0 7.8 5.9 

Yes 75.5 60.3 69.2 72.0 75.5 78.2 83.8 

No 24.5 39.7 30.8 28.0 24.5 21.8 16.2 

Excludes households with missing information on any of the following: use of prepaid cards or nonbank money orders or check cashers in the past 12 months, 

or methods used to pay bills or receive income. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The 

population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding. 

139 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

G.11 Primary Method Used to Pay Bills in a Typical Month by Age, 2015 

For all households that paid bills and received income in a typical month, column percent 

Characteristics All 15 to 24 

years 

25 to 34 

years 

35 to 44 

years 

45 to 54 

years 

55 to 64 

years 

65 years or 

more 

Number of Households (1000s) 116,131 5,884 19,340 19,762 21,787 21,916 27,442 

Percent of Households 100.0 100.0 100.0 100.0 100.0 100.0 100.0 

Most common method (Percent) 

Cash 7.7 13.4 10.9 9.5 7.6 6.2 4.0 

Personal check 32.5 19.9 17.6 19.5 28.7 37.0 54.3 

Debit card 10.8 20.8 16.8 13.6 10.0 8.7 4.8 

Credit card 2.9 3.1 3.6 2.7 2.1 2.4 3.4 

Prepaid card 0.8 1.2 1.3 1.3 0.7 0.6 0.1 

Electronic payment from bank account 39.2 31.5 43.9 47.4 45.0 38.4 27.5 

Nonbank money order 2.2 4.3 2.5 1.9 2.5 2.4 1.4 

Bank money order or cashiers check 1.0 1.5 1.1 1.1 0.9 1.1 0.9 

Other 0.7 0.7 0.5 0.7 0.8 0.8 0.9 

Unknown 2.3 3.6 1.8 2.2 1.7 2.2 2.8 

Excludes households with missing information on any of the following: use of prepaid cards or nonbank money orders or check cashers in the past 12 months, 

or methods used to pay bills or receive income. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The 

population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding. 

140 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

G.12 All Methods Used to Receive Income in a Typical Month by Age, 2015 

For all households that paid bills and received income in a typical month, column percent 

Characteristics All 15 to 24 

years 

25 to 34 

years 

35 to 44 

years 

45 to 54 

years 

55 to 64 

years 

65 years 

or more 

Number of Households (1000s) 116,131 5,884 19,340 19,762 21,787 21,916 27,442 

Percent of Households 

Paper check or money order (Percent) 

100.0 100.0 100.0 100.0 100.0 100.0 100.0 

Yes 29.1 37.6 30.6 31.0 32.0 29.6 22.0 

No 

Direct deposit or electronic transfer into bank 

account (Percent) 

70.9 62.4 69.4 69.0 68.0 70.4 78.0 

Yes 81.3 69.7 77.3 77.5 80.1 82.1 89.6 

No 

Direct deposit or electronic transfer onto prepaid 

card (Percent) 

18.7 30.3 22.7 22.5 19.9 17.9 10.4 

Yes 3.9 5.7 5.6 4.0 4.4 3.5 2.1 

No 

Cash (Percent) 

96.1 94.3 94.4 96.0 95.6 96.5 97.9 

Yes 8.2 14.0 11.1 10.0 8.8 7.1 4.1 

No 

Other (Percent) 

91.8 86.0 88.9 90.0 91.2 92.9 95.9 

Yes 1.8 2.1 2.1 1.9 1.7 1.8 1.5 

No 

Used nonbank check casher (Percent) 

98.2 97.9 97.9 98.1 98.3 98.2 98.5 

Yes 2.1 5.2 3.7 2.6 1.8 1.4 0.6 

No 

None selected (Percent) 

97.9 94.8 96.3 97.4 98.2 98.6 99.4 

Yes 5.8 7.0 5.3 5.8 5.7 6.1 5.7 

No 

Any bank method (Percent) 

94.2 93.0 94.7 94.2 94.3 93.9 94.3 

Yes 88.5 80.9 85.7 86.2 89.1 89.5 92.5 

No 

Only bank methods (Percent) 

11.5 19.1 14.3 13.8 10.9 10.5 7.5 

Yes 79.2 66.6 74.2 76.8 78.5 80.9 86.4 

No 20.8 33.4 25.8 23.2 21.5 19.1 13.6 

Excludes households with missing information on any of the following: use of prepaid cards or nonbank money orders or check cashers in the past 12 months, 

or methods used to pay bills or receive income. Estimates of income received through direct deposit onto a prepaid card or using Other methods incorporate 

imputed values for certain households with missing information. See Appendix 1 (FDIC Technical Notes) for details. NA indicates that the sample size is too small 

to produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to 

totals because of rounding. 

141 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

G.13 All Methods Used to Pay Bills in a Typical Month by Race/Ethnicity, 2015 

For all households that paid bills and received income in a typical month, column percent 

Characteristics All Black Hispanic Asian White Other 

Number of Households (1000s) 116,131 15,780 14,416 5,543 78,755 1,637 

Percent of Households 

Cash (Percent) 

100.0 100.0 100.0 100.0 100.0 100.0 

Yes 16.7 28.1 32.1 12.2 11.7 23.9 

No 

Personal check (Percent) 

83.3 71.9 67.9 87.8 88.3 76.1 

Yes 61.2 45.3 42.8 60.4 68.0 53.1 

No 

Debit card (Percent) 

38.8 54.7 57.2 39.6 32.0 46.9 

Yes 39.7 43.9 43.1 32.3 38.7 44.8 

No 

Credit card (Percent) 

60.3 56.1 56.9 67.7 61.3 55.2 

Yes 21.3 14.2 16.2 33.7 22.9 17.3 

No 

Prepaid card (Percent) 

78.7 85.8 83.8 66.3 77.1 82.7 

Yes 2.4 6.4 3.2 0.9 1.5 6.8 

No 

Electronic payment from bank account (Percent) 

97.6 93.6 96.8 99.1 98.5 93.2 

Yes 64.3 48.5 49.6 72.3 69.7 59.5 

No 

Nonbank money order (Percent) 

35.7 51.5 50.4 27.7 30.3 40.5 

Yes 7.6 21.1 14.2 1.9 4.0 14.1 

No 

Bank money order or cashiers check (Percent) 

92.4 78.9 85.8 98.1 96.0 85.9 

Yes 5.7 12.1 10.4 3.4 3.6 8.0 

No 

Other (Percent) 

94.3 87.9 89.6 96.6 96.4 92.0 

Yes 1.4 2.7 2.6 0.4 1.0 1.6 

No 

None selected (Percent) 

98.6 97.3 97.4 99.6 99.0 98.4 

Yes 1.9 3.1 3.1 2.1 1.4 2.6 

No 

Any bank method (Percent) 

98.1 96.9 96.9 97.9 98.6 97.4 

Yes 91.4 80.4 79.7 95.4 95.6 87.4 

No 

Only bank methods (Percent) 

8.6 19.6 20.3 4.6 4.4 12.6 

Yes 75.5 53.3 55.4 83.5 83.4 63.9 

No 24.5 46.7 44.6 16.5 16.6 36.1 

Excludes households with missing information on any of the following: use of prepaid cards or nonbank money orders or check cashers in the past 12 months, 

or methods used to pay bills or receive income. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The 

population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding. 

142 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

G.14 Primary Method Used to Pay Bills in a Typical Month by Race/Ethnicity, 2015 

For all households that paid bills and received income in a typical month, column percent 

Characteristics All Black Hispanic Asian White Other 

Number of Households (1000s) 116,131 15,780 14,416 5,543 78,755 1,637 

Percent of Households 100.0 100.0 100.0 100.0 100.0 100.0 

Most common method (Percent) 

Cash 7.7 15.8 19.1 3.6 4.2 11.1 

Personal check 32.5 23.6 20.7 31.2 36.6 25.3 

Debit card 10.8 16.0 16.4 6.5 8.9 15.3 

Credit card 2.9 1.6 2.0 8.1 2.9 2.5 

Prepaid card 0.8 2.3 1.0 0.3 0.4 2.7 

Electronic payment from bank account 39.2 25.9 28.9 46.5 43.3 35.7 

Nonbank money order 2.2 6.6 4.9 0.8 0.9 2.2 

Bank money order or cashiers check 1.0 3.0 2.1 0.7 0.4 1.7 

Other 0.7 1.6 1.6 0.3 0.4 0.9 

Unknown 2.3 3.5 3.3 2.1 1.8 2.6 

Excludes households with missing information on any of the following: use of prepaid cards or nonbank money orders or check cashers in the past 12 months, 

or methods used to pay bills or receive income. NA indicates that the sample size is too small to produce a precise estimate. - indicates an estimate of zero. The 

population proportion may be slightly greater than zero. Estimates do not always reconcile to totals because of rounding. 

143 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 
 

G.15 All Methods Used to Receive Income in a Typical Month by Race/Ethnicity, 2015 

For all households that paid bills and received income in a typical month, column percent 

Characteristics All Black Hispanic Asian White Other 

Number of Households (1000s) 116,131 15,780 14,416 5,543 78,755 1,637 

Percent of Households 

Paper check or money order (Percent) 

100.0 100.0 100.0 100.0 100.0 100.0 

Yes 29.1 24.0 34.1 27.9 29.2 31.0 

No 

Direct deposit or electronic transfer into bank 

account (Percent) 

70.9 76.0 65.9 72.1 70.8 69.0 

Yes 81.3 74.1 64.1 77.4 86.2 76.7 

No 

Direct deposit or electronic transfer onto prepaid 

card (Percent) 

18.7 25.9 35.9 22.6 13.8 23.3 

Yes 3.9 7.4 4.5 2.1 3.1 7.7 

No 

Cash (Percent) 

96.1 92.6 95.5 97.9 96.9 92.3 

Yes 8.2 7.8 14.4 7.9 7.2 9.4 

No 

Other (Percent) 

91.8 92.2 85.6 92.1 92.8 90.6 

Yes 1.8 2.9 2.4 2.0 1.5 3.0 

No 

Used nonbank check casher (Percent) 

98.2 97.1 97.6 98.0 98.5 97.0 

Yes 2.1 4.3 5.1 1.0 1.1 4.3 

No 

None selected (Percent) 

97.9 95.7 94.9 99.0 98.9 95.7 

Yes 5.8 9.4 8.8 7.4 4.4 7.4 

No 

Any bank method (Percent) 

94.2 90.6 91.2 92.6 95.6 92.6 

Yes 88.5 78.7 76.3 87.9 92.9 83.9 

No 

Only bank methods (Percent) 

11.5 21.3 23.7 12.1 7.1 16.1 

Yes 79.2 69.9 65.8 79.7 83.6 72.6 

No 20.8 30.1 34.2 20.3 16.4 27.4 

Excludes households with missing information on any of the following: use of prepaid cards or nonbank money orders or check cashers in the past 12 months, or 

methods used to pay bills or receive income. Estimates of income received through direct deposit onto a prepaid card or using Other methods incorporate imputed 

values for certain households with missing information. See Appendix 1 (FDIC Technical Notes) for details. NA indicates that the sample size is too small to 

produce a precise estimate. - indicates an estimate of zero. The population proportion may be slightly greater than zero. Estimates do not always reconcile to totals 

because of rounding. 

144 | 2015 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 

Federal Deposit Insurance Corporation