2013 FDIC National Survey of Unbanked and Underbanked Households

Transcription

1 2013 FDIC National Survey of Unbanked and Underbanked Appendices Federal Deposit Insurance Corporation October 2014

2 Members of the FDIC Unbanked/Underbanked Survey Study Group Authors: Susan Burhouse, Karyen Chu, Ryan Goodstein, Joyce Northwood, Yazmin Osaki, Dhruv Sharma Contributors: Keith Ernst, Alicia Lloro, Sherrie Rhine 2013 FDIC National Survey of Unbanked and Underbanked October

3 Appendix Table of Contents Appendix A Banking Status of U.S. : National Tables...5 Appendix B Checking and Savings Account Ownership, and Automatic Transfers: National Tables Appendix C Prepaid Debit Cards: National Tables Appendix D Alternative Financial Services: National Tables Appendix E Mobile Phone, Smartphone and Internet Access: National Tables Appendix F Banking Methods: National Tables Appendix G State Tables Appendix H MSA Tables Appendix I FDIC Technical Notes Appendix J 2013 Revisions to the FDIC National Survey of Unbanked and Underbanked Appendix K 2013 Survey Instrument FDIC National Survey of Unbanked and Underbanked October

4 2013 FDIC National Survey of Unbanked and Underbanked October

5 Appendix A Banking Status of U.S. : National Tables 2013 FDIC National Survey of Unbanked and Underbanked October

6 A-1a Banking Status By Household, 2013 For all households, row percent Number of (1000s) Percent of Unbanked Banked: Underbanked Banked: Fully Banked Banked: Underbanked Status Unknown All 123, Household Type Married couple 59, Unmarried female-headed family 15, Unmarried male-headed family 6, Female individual 22, Male individual 20, Other Race/Ethnicity Black 16, Hispanic 14, Asian 5, American Indian/Alaskan 1, Hawaiian/Pacific Islander White non-black non-hispanic 84, Other non-black non-hispanic NA NA NA NA NA NA Spanish only language spoken Spanish is not the only language spoken 121, Spanish is only language spoken 2, Nativity U.S.-born 106, Foreign born citizen 9, Foreign born non citizen 8, Age Group 15 to 24 years 6, to 34 years 20, to 44 years 21, to 54 years 24, to 64 years 22, years or more 28, Disability Status Disabled 10, Not Disabled 78, Not Applicable 34, FDIC National Survey of Unbanked and Underbanked October

7 A-1a Banking Status By Household, 2013 For all households, row percent Number of (1000s) Percent of Unbanked Banked: Underbanked Banked: Fully Banked Banked: Underbanked Status Unknown Education No high school degree 13, High school degree 33, Some college 36, College degree 40, Employment Status Employed 75, Unemployed 5, Not in labor force 42, Family Income Less than $15,000 19, Between $15,000 and $30,000 21, Between $30,000 and $50,000 24, Between $50,000 and $75,000 22, At Least $75,000 35, Homeownership Homeowner 80, Non-homeowner 43, Geographic Region Northeast 22, Midwest 27, South 46, West 27, Metropolitan Status Metropolitan area - Principal City 34, Metropolitan area - Balance 51, Not in Metropolitan area 19, Not Identified 18, NA= Not available because the sample size was too small to produce a precise estimate. -= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero. Figures do not always reconcile to totals because of rounding FDIC National Survey of Unbanked and Underbanked October

8 A-1b Household By Banking Status, 2013 For all households, column percent All Unbanked Banked: Underbanked Banked: Fully Banked Banked: Underbanked Status Unknown Number of (1000s) 123,750 9,582 24,757 82,892 6,519 Percent of Household Type Married couple Unmarried female-headed family Unmarried male-headed family Female individual Male individual Other Race/Ethnicity Black Hispanic Asian American Indian/Alaskan Hawaiian/Pacific Islander White non-black non-hispanic Other non-black non-hispanic Spanish only language spoken Spanish is not the only language spoken Spanish is only language spoken Nativity U.S.-born Foreign born citizen Foreign born non citizen Age Group 15 to 24 years to 34 years to 44 years to 54 years to 64 years years or more Disability Status Disabled Not Disabled Not Applicable FDIC National Survey of Unbanked and Underbanked October

9 A-1b Household By Banking Status, 2013 For all households, column percent All Unbanked Banked: Underbanked Banked: Fully Banked Banked: Underbanked Status Unknown Education No high school degree High school degree Some college College degree Employment Status Employed Unemployed Not in labor force Family Income Less than $15, Between $15,000 and $30, Between $30,000 and $50, Between $50,000 and $75, At Least $75, Homeownership Homeowner Non-homeowner Geographic Region Northeast Midwest South West Metropolitan Status Metropolitan area - Principal City Metropolitan area - Balance Not in Metropolitan area Not Identified NA= Not available because the sample size was too small to produce a precise estimate. -= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero. Figures do not always reconcile to totals because of rounding FDIC National Survey of Unbanked and Underbanked October

10 A-2 Unbanked Rates By Household And Year, For all households Household Type Estimate Diff from 2011 Married couple Unmarried female-headed family Unmarried male-headed family Female individual Male individual Other Race/Ethnicity Black Hispanic * Asian American Indian/Alaskan Hawaiian/Pacific Islander White non-black non-hispanic * Other non-black non-hispanic Spanish only language spoken Spanish is not the only language spoken * Spanish is only language spoken Nativity U.S.-born * Foreign born citizen Foreign born non citizen Age Group 15 to 24 years to 34 years to 44 years to 54 years to 64 years years or more Disability Status Disabled Not Disabled Not Applicable * Education No high school degree High school degree Some college College degree FDIC National Survey of Unbanked and Underbanked October

11 A-2 Unbanked Rates By Household And Year, For all households Employment Status Estimate Diff from 2011 Employed Unemployed Not in labor force * Family Income Less than $15, Between $15,000 and $30, Between $30,000 and $50, Between $50,000 and $75, At Least $75, Homeownership Homeowner * Non-homeowner * Geographic Region Northeast Midwest * South * West Metropolitan Status Metropolitan area - Principal City Metropolitan area - Balance Not in Metropolitan area Not Identified * Indicates differences that are statistically significant at the 10% level. NA= Not available because the sample size was too small to produce a precise estimate. -= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero. Figures do not always reconcile to totals because of rounding FDIC National Survey of Unbanked and Underbanked October

12 A-3 Household By Year, For all households, column percent Number of (1000s) 119, , ,750 Percent of Household Type Married couple Unmarried female-headed family Unmarried male-headed family Female individual Male individual Other Race/Ethnicity Black Hispanic Asian American Indian/Alaskan Hawaiian/Pacific Islander White non-black non-hispanic Other non-black non-hispanic Spanish only language spoken Spanish is not the only language spoken Spanish is only language spoken Nativity U.S.-born Foreign born citizen Foreign born non citizen Age Group 15 to 24 years to 34 years to 44 years to 54 years to 64 years years or more Disability Status Disabled Not Disabled Not Applicable FDIC National Survey of Unbanked and Underbanked October

13 A-3 Household By Year, For all households, column percent Education No high school degree High school degree Some college College degree Employment Status Employed Unemployed Not in labor force Family Income Less than $15, Between $15,000 and $30, Between $30,000 and $50, Between $50,000 and $75, At Least $75, Homeownership Homeowner Non-homeowner Geographic Region Northeast Midwest South West Metropolitan Status Metropolitan area - Principal City Metropolitan area - Balance Not in Metropolitan area Not Identified NA= Not available because the sample size was too small to produce a precise estimate. -= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero. Figures do not always reconcile to totals because of rounding FDIC National Survey of Unbanked and Underbanked October

14 A-4 Previous Banking Status By Household, 2013 For all unbanked households, row percent Number of (1000s) Percent of Had bank account within last year Had bank account more than 1 yr ago Never had bank account Previously banked, recency unknown Unknown All 9, Household Type Married couple 2, Unmarried female-headed family 2, Unmarried male-headed family Female individual 1, Male individual 2, Other NA NA NA NA NA NA NA Race/Ethnicity Black 3, Hispanic 2, Asian American Indian/Alaskan Hawaiian/Pacific Islander NA NA NA NA NA NA NA White non-black non-hispanic 3, Other non-black non-hispanic NA NA NA NA NA NA NA Spanish only language spoken Spanish is not the only language spoken 8, Spanish is only language spoken Nativity U.S.-born 7, Foreign born citizen Foreign born non citizen 1, Age Group 15 to 24 years to 34 years 2, to 44 years 1, to 54 years 1, to 64 years 1, years or more Disability Status Disabled 1, Not Disabled 5, Not Applicable 1, FDIC National Survey of Unbanked and Underbanked October

15 A-4 Previous Banking Status By Household, 2013 For all unbanked households, row percent Number of (1000s) Percent of Had bank account within last year Had bank account more than 1 yr ago Never had bank account Previously banked, recency unknown Unknown Education No high school degree 3, High school degree 3, Some college 1, College degree Employment Status Employed 4, Unemployed 1, Not in labor force 4, Family Income Less than $15,000 5, Between $15,000 and $30,000 2, Between $30,000 and $50,000 1, Between $50,000 and $75, At Least $75, Homeownership Homeowner 2, Non-homeowner 7, Geographic Region Northeast 1, Midwest 1, South 4, West 2, Metropolitan Status Metropolitan area - Principal City 3, Metropolitan area - Balance 2, Not in Metropolitan area 1, Not Identified 1, NA= Not available because the sample size was too small to produce a precise estimate. -= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero. Figures do not always reconcile to totals because of rounding FDIC National Survey of Unbanked and Underbanked October

16 A-5 Timeframe In Which Became Banked By Banking Status And Household, 2013 For all banked households, row percent Number of (1000s) Percent of Banked in Last 12 Months Banked prior to last 12 months Unknown All 114, Unbanked and Underbanked Banked: Underbanked 24, Banked: Fully Banked 82, Banked: Underbanked Status Unknown 6, Household Type Married couple 57, Unmarried female-headed family 12, Unmarried male-headed family 5, Female individual 20, Male individual 18, Other Race/Ethnicity Black 13, Hispanic 12, Asian 5, American Indian/Alaskan 1, Hawaiian/Pacific Islander White non-black non-hispanic 81, Other non-black non-hispanic NA NA NA NA NA Spanish only language spoken Spanish is not the only language spoken 112, Spanish is only language spoken 1, Nativity U.S.-born 99, Foreign born citizen 8, Foreign born non citizen 6, Age Group 15 to 24 years 5, to 34 years 17, to 44 years 19, to 54 years 22, to 64 years 21, years or more 27, FDIC National Survey of Unbanked and Underbanked October

17 A-5 Timeframe In Which Became Banked By Banking Status And Household, 2013 For all banked households, row percent Disability Status Number of (1000s) Percent of Banked in Last 12 Months Banked prior to last 12 months Unknown Disabled 8, Not Disabled 72, Not Applicable 32, Education No high school degree 10, High school degree 30, Some college 34, College degree 39, Employment Status Employed 71, Unemployed 4, Not in labor force 38, Family Income Less than $15,000 13, Between $15,000 and $30,000 19, Between $30,000 and $50,000 23, Between $50,000 and $75,000 22, At Least $75,000 35, Homeownership Homeowner 78, Non-homeowner 36, Geographic Region Northeast 20, Midwest 25, South 42, West 25, Metropolitan Status Metropolitan area - Principal City 30, Metropolitan area - Balance 48, Not in Metropolitan area 17, Not Identified 17, NA= Not available because the sample size was too small to produce a precise estimate. -= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero. Figures do not always reconcile to totals because of rounding FDIC National Survey of Unbanked and Underbanked October

18 A-6a Banking Transitions By Household, 2013 For all households with non-missing recent bank status and non-missing life events, row percent Number of (1000s) Percent of Longer Term Unbanked Recently Unbanked Recently Banked Longer Term Banked All 115, Household Type Married couple 55, Unmarried female-headed family 14, Unmarried male-headed family 5, Female individual 20, Male individual 18, Other Race/Ethnicity Black 15, Hispanic 14, Asian 5, American Indian/Alaskan 1, Hawaiian/Pacific Islander White non-black non-hispanic 79, Other non-black non-hispanic NA NA NA NA NA NA Spanish only language spoken Spanish is not the only language spoken 113, Spanish is only language spoken 2, Nativity U.S.-born 99, Foreign born citizen 8, Foreign born non citizen 7, Age Group 15 to 24 years 5, to 34 years 19, to 44 years 20, to 54 years 23, to 64 years 21, years or more 26, Disability Status Disabled 10, Not Disabled 73, Not Applicable 32, FDIC National Survey of Unbanked and Underbanked October

19 A-6a Banking Transitions By Household, 2013 For all households with non-missing recent bank status and non-missing life events, row percent Number of (1000s) Percent of Longer Term Unbanked Recently Unbanked Recently Banked Longer Term Banked Education No high school degree 12, High school degree 31, Some college 33, College degree 37, Employment Status Employed 71, Unemployed 5, Not in labor force 39, Family Income Less than $15,000 17, Between $15,000 and $30,000 20, Between $30,000 and $50,000 22, Between $50,000 and $75,000 21, At Least $75,000 33, Homeownership Homeowner 75, Non-homeowner 40, Geographic Region Northeast 20, Midwest 25, South 43, West 25, Metropolitan Status Metropolitan area - Principal City 32, Metropolitan area - Balance 47, Not in Metropolitan area 18, Not Identified 17, NA= Not available because the sample size was too small to produce a precise estimate. -= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero. Figures do not always reconcile to totals because of rounding FDIC National Survey of Unbanked and Underbanked October

20 A-6b Household By Banking Transitions, 2013 For all households with non-missing recent bank status and non-missing life events, column percent All Longer Term Unbanked Recently Unbanked Recently Banked Longer Term Banked Number of (1000s) 115,872 7, , ,292 Percent of Household Type Married couple Unmarried female-headed family Unmarried male-headed family Female individual Male individual Other Race/Ethnicity Black Hispanic Asian American Indian/Alaskan Hawaiian/Pacific Islander White non-black non-hispanic Other non-black non-hispanic Spanish only language spoken Spanish is not the only language spoken Spanish is only language spoken Nativity U.S.-born Foreign born citizen Foreign born non citizen Age Group 15 to 24 years to 34 years to 44 years to 54 years to 64 years years or more Disability Status Disabled Not Disabled Not Applicable FDIC National Survey of Unbanked and Underbanked October

21 A-6b Household By Banking Transitions, 2013 For all households with non-missing recent bank status and non-missing life events, column percent Education All Longer Term Unbanked Recently Unbanked Recently Banked Longer Term Banked No high school degree High school degree Some college College degree Employment Status Employed Unemployed Not in labor force Family Income Less than $15, Between $15,000 and $30, Between $30,000 and $50, Between $50,000 and $75, At Least $75, Homeownership Homeowner Non-homeowner Geographic Region Northeast Midwest South West Metropolitan Status Metropolitan area - Principal City Metropolitan area - Balance Not in Metropolitan area Not Identified NA= Not available because the sample size was too small to produce a precise estimate. -= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero. Figures do not always reconcile to totals because of rounding FDIC National Survey of Unbanked and Underbanked October

22 A-7 Life Events By Banking Status, 2013 For all households, column percent All Unbanked Banked: Underbanked Banked: Fully Banked Banked: Underbanked Status Unknown Number of (1000s) 123,750 9,582 24,757 82,892 6,519 Percent of Significant loss of income Yes No Unknown Significant increase in income Yes No Unknown Job loss Yes No Unknown New job Yes No Unknown Retirement Yes No Unknown Significant increase in HH expenses Yes No Unknown Significant decrease in HH expenses Yes No Unknown Divorce or death Yes No Unknown New marriage, civil union, or domestic partnership Yes No Unknown FDIC National Survey of Unbanked and Underbanked October

23 A-7 Life Events By Banking Status, 2013 For all households, column percent All Unbanked Banked: Underbanked Banked: Fully Banked Banked: Underbanked Status Unknown Birth, adoption, or other addition of a child Yes No Unknown Move or relocation Yes No Unknown NA= Not available because the sample size was too small to produce a precise estimate. -= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero. Figures do not always reconcile to totals because of rounding FDIC National Survey of Unbanked and Underbanked October

24 A-8 All Reasons Were Unbanked By Previous Banking Status, 2013 For all unbanked households, column percent All Once had bank account Never had bank account Unknown Number of (1000s) 9,582 4,396 5, Percent of Inconvenient hours or locations Yes No Unknown Account fees are too high or unpredictable Yes No Unknown Banks do not offer needed products or services Yes No Unknown Don t like dealing with and/or don t trust banks Yes No Unknown Do not have enough money Yes No Unknown Privacy Yes No Unknown ID, credit, or banking history problems Yes No Unknown Other Yes No Unknown NA= Not available because the sample size was too small to produce a precise estimate. -= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero. Figures do not always reconcile to totals because of rounding FDIC National Survey of Unbanked and Underbanked October

25 A-9 Main Reason Were Unbanked By Previous Banking Status, 2013 For all unbanked households, column percent All Once had bank account Never had bank account Unknown Number of (1000s) 9,582 4,396 5, Percent of Main Reason Unbanked Inconvenient hours or locations Account fees are too high or unpredictable Banks do not offer needed products or services Don t like dealing with or don t trust banks Do not have enough money Privacy ID, credit, or banking history problems Other Unknown NA= Not available because the sample size was too small to produce a precise estimate. -= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero. Figures do not always reconcile to totals because of rounding FDIC National Survey of Unbanked and Underbanked October

26 A-10 Likelihood Of Opening An Account By Previous Banking Status and Household, 2013 For all unbanked households, row percent Number of (1000s) Percent of Very likely Somewhat likely Not too likely Not likely at all Unknown All 9, Previously Banked Once had bank account 4, Never had bank account 5, Unknown Previously Banked (within last year) Had bank account within last year Had bank account more than 1 yr ago 3, Never had bank account 5, Previously banked, recency unknown NA NA NA NA NA NA NA Unknown Household Type Married couple 2, Unmarried female-headed family 2, Unmarried male-headed family Female individual 1, Male individual 2, Other NA NA NA NA NA NA NA Race/Ethnicity Black 3, Hispanic 2, Asian American Indian/Alaskan Hawaiian/Pacific Islander NA NA NA NA NA NA NA White non-black non-hispanic 3, Other non-black non-hispanic NA NA NA NA NA NA NA Spanish only language spoken Spanish is not the only language spoken 8, Spanish is only language spoken Nativity U.S.-born 7, Foreign born citizen Foreign born non citizen 1, Age Group 15 to 24 years to 34 years 2, to 44 years 1, to 54 years 1, to 64 years 1, years or more FDIC National Survey of Unbanked and Underbanked October

27 A-10 Likelihood Of Opening An Account By Previous Banking Status and Household, 2013 For all unbanked households, row percent Education Number of (1000s) Percent of Very likely Somewhat likely Not too likely Not likely at all Unknown No high school degree 3, High school degree 3, Some college 1, College degree Employment Status Employed 4, Unemployed 1, Not in labor force 4, Family Income Less than $15,000 5, Between $15,000 and $30,000 2, Between $30,000 and $50,000 1, Between $50,000 and $75, At Least $75, Homeownership Homeowner 2, Non-homeowner 7, Geographic Region Northeast 1, Midwest 1, South 4, West 2, Disability Status Disabled 1, Not Disabled 5, Not Applicable 1, NA= Not available because the sample size was too small to produce a precise estimate. -= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero. Figures do not always reconcile to totals because of rounding FDIC National Survey of Unbanked and Underbanked October

28 A-11 Main Reason For Opening An Account By Household, 2013 For all households that opened an account in the last 12 months, row percent Number of (1000s) Percent of To put money in a safe place To pay for everyday purchases, write checks, or/and pay bills To be able to apply for a loan or mortgage To save money for the future To receive direct deposit To send money to family or friends Other (Specify) Unknown All 1, Household Type Married couple Unmarried femaleheaded family Unmarried maleheaded family Female individual Male individual Race/Ethnicity Black Hispanic Asian NA NA NA NA NA NA NA NA NA NA American Indian/ Alaskan NA NA NA NA NA NA NA NA NA NA Hawaiian/Pacific Islander NA NA NA NA NA NA NA NA NA NA White non-black non-hispanic Spanish only language spoken Spanish is not the only language spoken 1, Spanish is only language spoken NA NA NA NA NA NA NA NA NA NA Nativity U.S.-born 1, Foreign born citizen Foreign born non citizen Age Group 15 to 24 years to 34 years to 44 years to 54 years to 64 years years or more Disability Status Disabled Not Disabled 1, Not Applicable FDIC National Survey of Unbanked and Underbanked October

29 A-11 Main Reason For Opening An Account By Household, 2013 For all households that opened an account in the last 12 months, row percent Number of (1000s) Percent of To put money in a safe place To pay for everyday purchases, write checks, or/and pay bills To be able to apply for a loan or mortgage To save money for the future To receive direct deposit To send money to family or friends Other (Specify) Unknown Education No high school degree High school degree Some college College degree Employment Status Employed 1, Unemployed Not in labor force Family Income Less than $15, Between $15,000 and $30, Between $30,000 and $50, Between $50,000 and $75, At Least $75, Homeownership Homeowner Non-homeowner 1, Geographic Region Northeast Midwest South West Metropolitan Status Metropolitan area - Principal City Metropolitan area - Balance Not in Metropolitan area Not Identified NA= Not available because the sample size was too small to produce a precise estimate. -= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero. Figures do not always reconcile to totals because of rounding FDIC National Survey of Unbanked and Underbanked October

30 2013 FDIC National Survey of Unbanked and Underbanked October

31 Appendix B Checking and Savings Account Ownership, and Automatic Transfers: National Tables 2013 FDIC National Survey of Unbanked and Underbanked October

32 B-1 Bank Account Type By Banking Status and Household, 2013 For all households, row percent Number of (1000s) Percent of Unbanked Checking and Savings Savings Only Checking Only Banked, Account Type Unknown Has Savings Account Does Not Have Savings Account Unknown All 123, Unbanked and Underbanked Unbanked 9, Banked: Underbanked 24, Banked: Fully Banked 82, Banked: Underbanked Status Unknown 6, Household Type Married couple 59, Unmarried femaleheaded family 15, Unmarried maleheaded family 6, Female individual 22, Male individual 20, Other Race/Ethnicity Black 16, Hispanic 14, Asian 5, American Indian/ Alaskan 1, Hawaiian/Pacific Islander White non-black non-hispanic 84, Other non-black non-hispanic NA NA NA NA NA NA NA NA NA NA Spanish only language spoken Spanish is not the only language spoken 121, Spanish is only language spoken 2, Nativity U.S.-born 106, Foreign born citizen 9, Foreign born non citizen 8, FDIC National Survey of Unbanked and Underbanked October

33 B-1 Bank Account Type By Banking Status and Household, 2013 For all households, row percent Number of (1000s) Percent of Unbanked Checking and Savings Savings Only Checking Only Banked, Account Type Unknown Has Savings Account Does Not Have Savings Account Unknown Age Group 15 to 24 years 6, to 34 years 20, to 44 years 21, to 54 years 24, to 64 years 22, years or more 28, Disability Status Disabled 10, Not Disabled 78, Not Applicable 34, Education No high school degree 13, High school degree 33, Some college 36, College degree 40, Employment Status Employed 75, Unemployed 5, Not in labor force 42, Family Income Less than $15,000 19, Between $15,000 and $30,000 21, Between $30,000 and $50,000 24, Between $50,000 and $75,000 22, At Least $75,000 35, Homeownership Homeowner 80, Non-homeowner 43, Geographic Region Northeast 22, Midwest 27, South 46, West 27, FDIC National Survey of Unbanked and Underbanked October

34 B-1 Bank Account Type By Banking Status and Household, 2013 For all households, row percent Number of (1000s) Percent of Unbanked Checking and Savings Savings Only Checking Only Banked, Account Type Unknown Has Savings Account Does Not Have Savings Account Unknown Metropolitan Status Metropolitan area - Principal City 34, Metropolitan area - Balance 51, Not in Metropolitan area 19, Not Identified 18, NA= Not available because the sample size was too small to produce a precise estimate. -= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero. Figures do not always reconcile to totals because of rounding. B-2 Banking Status By Bank Account Type, 2013 For all banked households, row percent Number of (1000s) Percent of Banked: Underbanked Banked: Fully Banked Banked: Underbanked Status Unknown All 114, Bank Account Type Checking and Savings 82, Savings Only 2, Checking Only 26, Banked, Account Type Unknown 2, Savings Account Ownership Has Savings Account 85, Does Not Have Savings Account 26, Unknown 2, NA= Not available because the sample size was too small to produce a precise estimate. -= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero. Figures do not always reconcile to totals because of rounding FDIC National Survey of Unbanked and Underbanked October

35 B-3a Use of Direct Deposit or Automatic Transfers By Household, 2013 For all banked households, row percent Number of (1000s) Percent of Direct Deposit or Auto Transfer into Checking and Savings Direct Deposit or Auto Transfer into Checking Only Direct Deposit or Auto Transfer into Savings Only Direct Deposit or Auto Transfer into Direct Deposit Account Type Unknown Direct Deposit or Auto Transfer into No Direct Deposit (banked) Direct Deposit or Auto Transfer Unknown All 114, Household Type Married couple 57, Unmarried female-headed family 12, Unmarried male-headed family 5, Female individual 20, Male individual 18, Other Race/Ethnicity Black 13, Hispanic 12, Asian 5, American Indian/Alaskan 1, Hawaiian/Pacific Islander White non-black non-hispanic 81, Other non-black non-hispanic NA NA NA NA NA NA NA NA Spanish only language spoken Spanish is not the only language spoken 112, Spanish is only language spoken 1, Nativity U.S.-born 99, Foreign born citizen 8, Foreign born non citizen 6, Age Group 15 to 24 years 5, to 34 years 17, to 44 years 19, to 54 years 22, to 64 years 21, years or more 27, Disability Status Disabled 8, Not Disabled 72, Not Applicable 32, FDIC National Survey of Unbanked and Underbanked October

36 B-3a Use of Direct Deposit or Automatic Transfers By Household, 2013 For all banked households, row percent Education Number of (1000s) Percent of Direct Deposit or Auto Transfer into Checking and Savings Direct Deposit or Auto Transfer into Checking Only Direct Deposit or Auto Transfer into Savings Only Direct Deposit or Auto Transfer into Direct Deposit Account Type Unknown Direct Deposit or Auto Transfer into No Direct Deposit (banked) Direct Deposit or Auto Transfer Unknown No high school degree 10, High school degree 30, Some college 34, College degree 39, Employment Status Employed 71, Unemployed 4, Not in labor force 38, Family Income Less than $15,000 13, Between $15,000 and $30,000 19, Between $30,000 and $50,000 23, Between $50,000 and $75,000 22, At Least $75,000 35, Homeownership Homeowner 78, Non-homeowner 36, Geographic Region Northeast 20, Midwest 25, South 42, West 25, Metropolitan Status Metropolitan area - Principal City 30, Metropolitan area - Balance 48, Not in Metropolitan area 17, Not Identified 17, NA= Not available because the sample size was too small to produce a precise estimate. -= For this table cell, the estimated proportion would round to zero. The population proportion, however, is likely to be slightly greater than zero. Figures do not always reconcile to totals because of rounding FDIC National Survey of Unbanked and Underbanked October

37 B-3b Use of Direct Deposit or Automatic Transfers By Household, 2013 For all banked households that used direct deposit or auto transfer, row percent Number of (1000s) Percent of Direct Deposit or Auto Transfer into Checking and Savings Direct Deposit or Auto Transfer into Checking Only Direct Deposit or Auto Transfer into Savings Only Direct Deposit or Auto Transfer into Direct Deposit Account Type Unknown All 91, Household Type Married couple 47, Unmarried female-headed family 9, Unmarried male-headed family 3, Female individual 16, Male individual 13, Other Race/Ethnicity Black 10, Hispanic 8, Asian 4, American Indian/Alaskan Hawaiian/Pacific Islander White non-black non-hispanic 67, Other non-black non-hispanic NA NA NA NA NA NA Spanish only language spoken Spanish is not the only language spoken 90, Spanish is only language spoken Nativity U.S.-born 81, Foreign born citizen 6, Foreign born non citizen 3, Age Group 15 to 24 years 3, to 34 years 13, to 44 years 15, to 54 years 17, to 64 years 17, years or more 24, Disability Status Disabled 7, Not Disabled 56, Not Applicable 27, FDIC National Survey of Unbanked and Underbanked October