New FDIC National Survey of Unbanked and Underbanked Households · 2017. 2. 4. · June 2013....

Addendum to the 2011

FDIC National Survey of Unbanked and Underbanked HouseholdsUse of Alternative Financial Services

June 2013

Federal Deposit Insurance Corporation

FDIC NatIoNal Survey oF uNbaNkeD aND uNDerbaNkeD HouSeHolDS - uSe oF alterNatIve FINaNCIal ServICeS ■ JuNe 2013 2

Members of the FDIC Unbanked/Underbanked Survey Study Group Division of Depositor and Consumer Protection: Susan Burhouse, Sarah Campbell, Timothy Critchfield, Keith Ernst,

Ryan Goodstein, Yazmin Osaki, Luke Reynolds, and Sherrie Rhine

Division of Insurance and Research: David Chapman, Eric Robbins, and Katherine Samolyk

Legal Division: Leneta Gregorie

Lead Authors Susan Burhouse, Yazmin Osaki, and Anirudh Sarna

Lead Statistical Analysts and Advisors Sarah Campbell, David Chapman, and Ryan Goodstein

Contributors: Michael Bachman, Karyen Chu, Peggi Gill, Francis Solomon, David Spanburg, Masseh Tahiry, and Kathy Zeidler


1. Introduction ...................................................................................................................................................5

2. Summary of Results ........................................................................................................................................7

3. Methodological Note .....................................................................................................................................9

4. National Level Tables ...................................................................................................................................11

5. State Summary Tables ..................................................................................................................................27

6. State Level Tables .........................................................................................................................................65

Table of Contents


1. Introduction

This addendum to the 2011 FDIC National Survey of Unbanked and Underbanked Households provides national- and state-level information on the use of alternative finan-cial services (AFS). It complements the national data on AFS use presented in the 2011 report and the appendices that were released in September 2012.1

The FDIC National Survey of Unbanked and Underbanked Households was conducted in June 2011 as a special supple-ment to the U.S. Census Bureau’s Current Population Survey. The FDIC survey was designed to collect data on the banking status of U.S. households and to better under-stand unbanked and underbanked populations.

The survey was undertaken as part of the FDIC’s efforts to comply with a statutory mandate that requires the FDIC to conduct ongoing surveys of bank efforts to serve the unbanked by providing important data about underserved households. Beyond estimating the number of unbanked and underbanked households and their demographic charac-teristics, the survey estimates the types of bank accounts that banked households own, the use of AFS, and reasons cited by households that are not fully using the mainstream banking system.

While the 2011 report included national-level findings regarding use of AFS, this addendum provides additional national data on the types, timing, and extent of AFS use among all households. The addendum also reports state-level results on the use of credit and transaction AFS prod-ucts (non-bank money orders, non-bank check cashing, non-bank remittances, payday lending, pawnshops, rent-to-own stores, and refund anticipation loans).

The definition of an underbanked household was revised for the 2011 report. As a result, the estimates of the proportion of households that were underbanked in 2011 are not directly comparable with estimates previously reported for 2009. In the 2011 report, underbanked households are defined as those that used non-bank check cashing, non-bank money orders, non-bank remittances, payday lending, pawnshops, rent-to-own agreements, or refund anticipation loans (RALs) at least once in the previous 12 months. This differs from the underbanked definition used in the 2009 report in several ways. The 2009 definition of underbanked households did not include non-bank remittance use, as this information was not collected. The 2009 survey also consid-ered households that used RALs in the previous five years to be underbanked, while the 2011 definition includes only those households that used RALs in the previous year. Finally, the 2011 report defines underbanked households as

1 2011 FDIC National Survey of Unbanked and Underbanked Households can be found at http://www.fdic.gov/householdsurvey/2012_unbankedreport.pdf.

those that used one of the AFS credit products or transac-tion services “in the last 12 months,” while in 2009 house-holds were considered to be underbanked if they used AFS “once or twice a year” or “at least a few times a year.”

http://www.fdic.gov/householdsurvey/2012_unbankedreport.pdfhttp://www.fdic.gov/householdsurvey/2012_unbankedreport.pdf


2. Summary of Results

2.1 National Tables

The tables in Section A present national-level estimates of AFS use by household demographic characteristics, further subdivided by banking status. The first series of tables provide an in-depth look at households that have used AFS. These tables include estimates of the number and propor-tion of households that have used transaction AFS and credit AFS, and estimates of the number and proportion that have used these products in the past year.

The 2011 FDIC Survey of Unbanked and Underbanked Households included analysis of the use of AFS among all U.S. households. To complement the 2011 household survey, a set of tables in Section A of the 2011 addendum provides more detailed information on the demographic characteristics of households that have used transaction or credit AFS. An additional set of tables provides a break-down of transaction and credit product use within the past year.

National-level Summary:

• One-quarter of households have used at least one AFS product in the past year, including 65 percent of unbanked households. By definition, all underbanked households have used AFS in the past year.

• At least 12 percent of households used AFS products in the last 30 days, including about four in ten unbanked and underbanked households (45.5 percent of unbanked households and 41.2 percent of underbanked households).

• At least 42.9 percent of all U.S. households have used one or more of the following types of AFS (“ever used AFS”): non-bank money orders, non-bank check cash-ing, non-bank remittances, payday loans, pawnshop loans, rent-to-own agreements, and refund anticipation loans. About 54 percent of all households have never used these services. In 2009, 35.7 percent of all U.S. households had used AFS, and about 60 percent had never used these products (though data on household use of non-bank remittances were not collected in 2009).

• Compared with the national average (42.9 percent), higher proportions of black (63.8 percent) and Hispanic (54.4 percent) households have used AFS. In contrast, only 37.6 percent of white households have used AFS.

Transaction AFS (non-bank money orders, non-bank check cashing, and non-bank remittances) have been used by 39.1

percent of all U.S. households. More than one in five households (23.3 percent) have used a transaction AFS in the past year, including 62.1 percent of unbanked house-holds and almost all underbanked households (90.4 percent).

Use of credit AFS (payday loans, pawnshop loans, rent-to-own agreements, and refund anticipation loans) is less wide-spread; 14.2 percent of all U.S. households have used these services. Six percent have used a credit AFS product in the past year.

More than 30 percent of unbanked households did not use AFS in the past year, including at least one in five (20.6 percent) that have never used these services. This pattern suggests a heavy reliance on cash transactions or other informal financial relationships.

2.2 State Tables

Sections B and C provide information on AFS use specific to each of the 50 states and the District of Columbia. Tables in Section B provide state-level data on households that have ever used AFS as well as data on the timing of AFS use. For each state, Section B also presents the shares of households that have used each of the AFS products included in the 2011 household survey (i.e., non-bank money orders, non-bank check cashing, non-bank remit-tances, payday loans, pawnshop loans, rent-to-own agree-ments, and refund anticipation loans). Tables in Section C provide more detailed estimates of the timing of AFS use by banking status and household characteristics.

State-level Summary:

• Household use of AFS varies considerably across states. The state-level share of households that have ever used AFS ranges from 30.8 percent in New Hampshire to almost 60 percent in Alabama. Colorado, where 42.7 percent of households have ever used AFS, represents the median. In the 2009 survey, AFS usage (excluding non-bank remittances) ranged from a high of 49.2 percent in Alaska to a low of 25.3 percent in Massachusetts.

• Among unbanked households, the proportion that has ever used AFS ranges from about 55 percent in Connecticut to more than 93 percent in Tennessee. About three in four unbanked households in Nebraska (75.4 percent) have used AFS, representing the median across states. In 2009, AFS usage (excluding non-bank remittances) ranged from 88.7 percent of unbanked


households in Montana to 40.9 percent of unbanked households in Hawaii.

• Although the overall proportion of households in Tennessee that have ever used AFS, at 43 percent, is close to the median, Tennessee has the highest proportion of unbanked households that have ever used AFS, at 93.3 percent. About 12 percent of all households in Tennessee have used AFS in the past 30 days, compared with almost 60 percent of unbanked households in the same period. Among black households in Tennessee, 55.5 percent have ever used AFS and about 24 percent have used AFS in the last 30 days, almost double the state average.

• In Connecticut, 30.7 percent of all households and slightly more than half (54.6 percent) of unbanked households have ever used AFS, the latter being the lowest of any state. Almost 7 percent of all households and 23.9 percent of unbanked house-holds in Connecticut have used an AFS product in the last 30 days. Among black households in Connecticut, 61.1 percent have used AFS and almost one in four has used an AFS product in the last 30 days, more than four times the state average.

• In New Mexico, 43.4 percent of unbanked households have never used AFS, the highest proportion of any state. This suggests a reliance on cash transactions or other informal financial relationships. In contrast, only 6.7 percent of unbanked households in Tennessee have never used AFS, the lowest proportion among states.

• At the state level, the share of households that have ever used transaction AFS ranges from 25.2 percent in Minnesota to almost 54 percent in Alabama , while the share of households that have used a transaction AFS in the past year ranges from about 12.6 percent in New Hampshire to almost one in three households (32.7 percent) in Texas.

• Household use of credit AFS products is less common and varies less across states when compared with trans-action AFS products. The state-level share of house-holds that have ever used credit AFS products ranges from less than 8 percent in New Hampshire to 21.7 percent in Texas, while credit AFS product use in the last year ranges from 2.5 percent in New Hampshire and New York to more than one in ten households (11.9 percent) in Nevada.


3. Methodological Note

The data for this report were collected through the 2011 FDIC National Survey of Unbanked and Underbanked Households. The Current Population Study (CPS) is a monthly survey of about 53,700 interviewed households conducted by the U.S. Census Bureau for the Bureau of Labor Statistics (BLS). The CPS sample is representative of the U.S. civilian, non-institutionalized population, aged 15 or older.

The CPS is the primary source of information on the labor force characteristics of the U.S. population, including employment, unemployment, and earnings statistics. Addi-tional information about the CPS is provided in the Census Bureau’s Technical Paper 66, Design and Methodology of the CPS, available at http://www.census.gov/prod/2006pubs/tp-66.pdf.

The Unbanked/Underbanked Supplement was conducted in June 2011. About 44,900 (84 percent) of the 53,700 house-holds participating in the CPS also participated in the Unbanked/Underbanked Supplement.1 The response rates for the 2011 Unbanked/Underbanked supplement vary by demographic group, ranging from 79 percent to 86 percent.

The 2011 Unbanked/Underbanked Supplement represents the second time this survey has been conducted. The first Unbanked/Underbanked Supplement was conducted in January 2009. The primary purpose of the supplement is to estimate the percentage of U.S. households that are “unbanked” and “underbanked” and to identify the reasons why these households do not participate fully in the main-stream banking system. The supplement survey instrument used in 2011, Appendix G of the 2011 FDIC Survey of Unbanked and Underbanked Households, included about 40 questions designed to gather this information. The 2011 survey instrument contains minor revisions to the 2009 survey instrument. The 2009 survey instrument underwent four rounds of cognitive field pre-testing and was revised to address the feedback gathered from each round2. The 2011 survey instrument underwent an expert review process by the US Census Bureau. For a detailed description of the revisions, see Appendix F (Revisions to the 2011 Survey Instrument) in the 2011 FDIC Survey of Unbanked and Underbanked Households. Because of changes in the ques-tionnaire, direct comparisons between 2009 and 2011 esti-mates are limited and in some instances impossible.

1 Taking into account the nonresponse to basic CPS questions, the overall response rate for the Unbanked/Underbanked Supplement was 76 percent.2 The goal of each round was to determine respondents’ comprehension of each question, test the flow of the questions, find major recall difficulties, ascertain the sensitivity or inappropriateness of any questions, and gauge the operational feasibility of the supplement. No changes to the survey were recommended following the fourth round of testing.

All households that participated in the June 2011 CPS were eligible to participate in the Unbanked/Underbanked Supplement. However, only households whose respondents specified that they had some level of participation in their household finances and also responded “Yes” or “No” to whether someone in their household had a bank account (survey supplement Question 2, or Q2) were considered survey respondents. CPS household respondents who did not answer or answered “Don’t Know” to Q2, or who did not participate in their household financial decisions (or refused to answer) were asked no further questions and were classified as nonrespondents for the supplement.

Using supplement survey results, households were classified as “unbanked” if they answered “No” to the question, “Do you or does anyone in your household currently have a checking or savings account?” Households answering “Yes” to this question were classified as “underbanked” if they indicated that they had used at least one of the following alternative financial services (AFS) at least one time in the previous 12 months: non-bank money orders, non-bank check-cashing services, non-bank remittances, payday loans, rent-to-own services, pawn shops, or refund anticipation loans.

The 2011 definition of “underbanked” has been revised from the 2009 definition to include households that used non-bank remittances in the last year. The 2011 under-banked definition was also modified to include only house-holds that used a refund anticipation loan in the last year, as opposed to in the last five years–the basis for the 2009 report. Further, survey respondents to the 2011 survey were asked about their AFS use over definitive time periods (i.e. “in the last 30 days,” “in the last 2-12 months” or “not in the last 2-12 months”), while respondents to the 2009 survey could indicate AFS use more generally (i.e. “at least a few times a year,” “once or twice a year” or “almost never”). Consequently, 2011 underbanked estimates are not directly comparable to 2009 estimates (see Box 2 on page 19 of 2011 FDIC Household Survey Report).

Demographic characteristics such as race, age, education, and employment, associated with a respondent household for the supplement are those reported for the householder/ reference person (i.e., a person who owns or rents the home, as designated by the respondent). These characteristics were used in preparing addendum estimates and tables.

The Census Bureau classifies households into different types. For instance, a family household is a household that includes two or more people related by birth, marriage, or adoption and residing together, along with any unrelated people who may be residing there. Detailed definitions regarding household types can be found in the CPS Glos-

http://www.census.gov/prod/2006pubs/tp-66.pdfhttp://www.census.gov/prod/2006pubs/tp-66.pdf


sary available at http://www.census.gov/cps/about/cpsdef.html.

Households are categorized into racial-ethnic classifications as follows: If the householder is identified as black, the household is classified as “Black” regardless of whether the householder is identified as Hispanic or any other race. If the householder is not identified as black and is identified as Hispanic, the household is classified as “Hispanic Non-Black.” If the householder is identified as white and not any other race and non-Hispanic, then the household is classi-fied as “White.” All remaining households are classified as “Other.” However, in some national summary tables, the “Other” category is further disaggregated into “Asian” if the householder is identified as Asian, “American Indian/Alas-kan” if the householder is identified as American Indian/Alaskan and not Asian, and “Hawaiian/Pacific Islander” if the householder is identified as Hawaiian/Pacific Islander and not Asian or American Indian/Alaskan. In these tables, “Other” consists of the few remaining households in which the householder cannot be classified into any of the preced-ing groups.

Additional information regarding the unbanked/under-banked supplemental survey methodology can be found in Appendix E “FDIC Technical Notes” of the 2011 FDIC Survey of Unbanked and Underbanked Households (September 2012) available at http://www.fdic.gov/house-holdsurvey/2012_unbankedreport.pdf.

http://www.census.gov/cps/about/cpsdef.htmlhttp://www.census.gov/cps/about/cpsdef.htmlhttp://www.fdic.gov/householdsurvey/2012_unbankedreport.pdfhttp://www.fdic.gov/householdsurvey/2012_unbankedreport.pdf


4. National Level Tables


Table A-1 Households’ Use of AFS by Demographic Characteristic

Household Characteristic

All Households

Ever Used An AFS Memo Items

Has Ever Used Has Never Used UnknownEver Used

Transaction AFSUsed Transaction

AFS in the Last YearEver Used Credit

AFSUsed Credit AFS in

the Last YearHouseholds

(1,000s)Row Pct

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

All Households 120,408 100.0 51,611 42.9 65,335 54.3 3,461 2.9 47,109 39.1 28,011 23.3 17,109 14.2 7,243 6.0Banking Status

Unbanked 9,875 100.0 7,338 74.3 2,036 20.6 501 5.1 6,968 70.6 6,137 62.1 3,138 31.8 1,660 16.8Underbanked 24,199 100.0 24,199 100.0 0 0.0 0 0.0 22,711 93.9 21,874 90.4 9,011 37.2 5,583 23.1Fully Banked 82,830 100.0 19,531 23.6 63,299 76.4 0 0.0 16,945 20.5 0 0.0 4,855 5.9 0 0.0Banked but Underbanked

Status Unknown 3,504 100.0 543 15.5 0 0.0 2,961 84.5 485 13.8 0 0.0 105 3.0 0 0.0Household Family Type

Family household 78,826 100.0 34,509 43.8 42,255 53.6 2,062 2.6 31,399 39.8 19,211 24.4 11,742 14.9 5,282 6.7Female householder, no

husband present 15,575 100.0 9,221 59.2 5,898 37.9 456 2.9 8,287 53.2 6,062 38.9 4,108 26.4 2,032 13.0Male householder, no

wife present 5,661 100.0 3,109 54.9 2,346 41.4 206 3.6 2,816 49.8 2,069 36.5 1,260 22.3 674 11.9Married couple 57,591 100.0 22,179 38.5 34,011 59.1 1,400 2.4 20,295 35.2 11,081 19.2 6,374 11.1 2,576 4.5

Nonfamily household 41,479 100.0 17,042 41.1 23,042 55.6 1,395 3.4 15,657 37.7 8,771 21.1 5,352 12.9 1,959 4.7Female householder 21,688 100.0 8,082 37.3 12,803 59.0 803 3.7 7,453 34.4 3,881 17.9 2,364 10.9 831 3.8Male householder 19,791 100.0 8,960 45.3 10,239 51.7 591 3.0 8,203 41.5 4,889 24.7 2,988 15.1 1,129 5.7

Other 102 100.0 60 58.7 37 36.7 5 4.6 54 52.7 29 28.2 16 15.2 1 1.4Race and Ethnicity of Householder

Black 16,046 100.0 10,242 63.8 5,170 32.2 633 3.9 9,471 59.0 7,166 44.7 4,251 26.5 1,870 11.7Hispanic non-Black 13,710 100.0 7,461 54.4 5,880 42.9 369 2.7 6,911 50.4 5,414 39.5 2,159 15.7 1,110 8.1Asian 4,985 100.0 1,381 27.7 3,439 69.0 165 3.3 1,346 27.0 835 16.7 173 3.5 67 1.3American Indian/Alaskan 1,389 100.0 793 57.1 553 39.8 44 3.2 692 49.8 459 33.0 359 25.9 161 11.6Hawaiian/Pacific Islander 267 100.0 138 51.9 126 47.0 3 1.1 121 45.2 79 29.4 58 21.6 33 12.3White non-Black

non-Hispanic 83,988 100.0 31,580 37.6 50,167 59.7 2,241 2.7 28,554 34.0 14,056 16.7 10,103 12.0 4,002 4.8Other non-Black

non-Hispanic 23 100.0 15 66.4 1 6.5 6 27.1 15 66.4 3 12.7 7 30.0 . .Spanish is Only Language Spoken

Spanish is not only language spoken 117,940 100.0 50,083 42.5 64,470 54.7 3,388 2.9 45,635 38.7 26,751 22.7 16,852 14.3 7,068 6.0

Spanish is only language spoken 2,467 100.0 1,528 61.9 865 35.1 74 3.0 1,474 59.7 1,260 51.1 257 10.4 175 7.1

NativityU.S.-born 104,143 100.0 44,416 42.6 56,819 54.6 2,908 2.8 40,200 38.6 22,674 21.8 15,938 15.3 6,636 6.4Foreign-born citizen 8,380 100.0 3,000 35.8 5,124 61.1 256 3.1 2,882 34.4 2,015 24.0 462 5.5 194 2.3Foreign-born non citizen 7,885 100.0 4,195 53.2 3,392 43.0 298 3.8 4,027 51.1 3,322 42.1 709 9.0 413 5.2

Age Group15 to 24 years 6,299 100.0 3,429 54.4 2,717 43.1 154 2.4 3,167 50.3 2,514 39.9 1,223 19.4 724 11.525 to 34 years 20,374 100.0 10,276 50.4 9,588 47.1 510 2.5 9,316 45.7 6,231 30.6 4,084 20.0 1,978 9.735 to 44 years 21,414 100.0 10,190 47.6 10,714 50.0 511 2.4 9,147 42.7 5,732 26.8 3,994 18.7 1,802 8.445 to 54 years 24,658 100.0 10,887 44.2 12,973 52.6 798 3.2 9,901 40.2 6,017 24.4 3,823 15.5 1,474 6.055 to 64 years 22,036 100.0 9,015 40.9 12,398 56.3 623 2.8 8,315 37.7 4,415 20.0 2,538 11.5 822 3.765 years or more 25,625 100.0 7,815 30.5 16,946 66.1 865 3.4 7,264 28.3 3,101 12.1 1,447 5.6 442 1.7

EducationNo high school degree 14,321 100.0 7,854 54.8 5,951 41.6 515 3.6 7,250 50.6 5,385 37.6 2,666 18.6 1,391 9.7High school degree 34,462 100.0 15,851 46.0 17,458 50.7 1,152 3.3 14,288 41.5 9,227 26.8 6,060 17.6 2,746 8.0Some college 34,010 100.0 15,655 46.0 17,508 51.5 846 2.5 14,010 41.2 8,132 23.9 6,041 17.8 2,410 7.1College degree 37,615 100.0 12,251 32.6 24,417 64.9 947 2.5 11,561 30.7 5,268 14.0 2,342 6.2 696 1.8

Employment StatusEmployed 72,580 100.0 31,124 42.9 39,618 54.6 1,839 2.5 28,391 39.1 16,732 23.1 9,936 13.7 4,126 5.7Unemployed 6,779 100.0 4,004 59.1 2,608 38.5 167 2.5 3,583 52.9 2,641 39.0 1,951 28.8 1,058 15.6Not in labor force 41,049 100.0 16,484 40.2 23,109 56.3 1,456 3.5 15,136 36.9 8,637 21.0 5,223 12.7 2,059 5.0

Household IncomeLess than $15,000 19,541 100.0 10,745 55.0 8,139 41.6 657 3.4 9,801 50.2 7,073 36.2 4,461 22.8 2,158 11.0Between $15,000 and

$30,000 22,073 100.0 11,016 49.9 10,248 46.4 808 3.7 9,931 45.0 6,681 30.3 4,417 20.0 2,010 9.1Between $30,000 and

$50,000 24,787 100.0 11,157 45.0 12,948 52.2 683 2.8 9,979 40.3 5,978 24.1 3,848 15.5 1,589 6.4Between $50,000 and

$75,000 21,975 100.0 8,532 38.8 12,891 58.7 552 2.5 7,832 35.6 4,063 18.5 2,485 11.3 963 4.4At Least $75,000 32,032 100.0 10,161 31.7 21,110 65.9 761 2.4 9,566 29.9 4,216 13.2 1,898 5.9 523 1.6

HomeownershipHomeowner 79,144 100.0 28,318 35.8 48,548 61.3 2,278 2.9 25,924 32.8 12,735 16.1 7,382 9.3 2,585 3.3Non-homeowner 41,264 100.0 23,293 56.4 16,787 40.7 1,183 2.9 21,185 51.3 15,276 37.0 9,727 23.6 4,658 11.3

Geographic RegionNortheast 21,784 100.0 8,653 39.7 12,494 57.4 637 2.9 8,201 37.6 4,630 21.3 2,035 9.3 741 3.4Midwest 26,900 100.0 10,740 39.9 15,340 57.0 820 3.0 9,623 35.8 5,384 20.0 3,727 13.9 1,461 5.4South 44,920 100.0 21,202 47.2 22,446 50.0 1,271 2.8 19,280 42.9 12,209 27.2 7,563 16.8 3,504 7.8West 26,804 100.0 11,016 41.1 15,055 56.2 734 2.7 10,006 37.3 5,787 21.6 3,785 14.1 1,536 5.7

Metropolitan StatusMetropolitan Area 100,311 100.0 42,350 42.2 54,983 54.8 2,978 3.0 38,733 38.6 23,271 23.2 13,833 13.8 5,762 5.7

Inside principal city 33,636 100.0 15,540 46.2 17,040 50.7 1,056 3.1 14,330 42.6 9,453 28.1 5,191 15.4 2,243 6.7Not inside principal city 49,548 100.0 19,478 39.3 28,602 57.7 1,467 3.0 17,888 36.1 10,182 20.5 5,808 11.7 2,381 4.8Not identified 17,127 100.0 7,332 42.8 9,341 54.5 454 2.7 6,514 38.0 3,636 21.2 2,834 16.5 1,139 6.6

Not in Metropolitan Area 19,193 100.0 8,789 45.8 9,938 51.8 466 2.4 7,946 41.4 4,443 23.1 3,084 16.1 1,398 7.3Not Identified 903 100.0 473 52.3 413 45.8 17 1.9 430 47.6 297 32.9 191 21.2 83 9.1

Notes:Figures do not always reconcile to totals because of rounding.AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund anticipation loans.


Table A-2 Unbanked Households’ Use of AFS by Demographic Characteristic


All Unbanked Households


Has Ever Used Has Never Used UnknownEver Used

Transaction AFSUsed Transaction

AFS in the Last YearEver Used Credit

AFSUsed Credit AFS in

the Last YearHouseholds

(1,000s)Row Pct

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

All Unbanked Households 9,875 100.0 7,338 74.3 2,036 20.6 501 5.1 6,968 70.6 6,137 62.1 3,138 31.8 1,660 16.8Household Family Type

Family household 5,905 100.0 4,710 79.8 972 16.5 223 3.8 4,454 75.4 4,013 68.0 2,091 35.4 1,176 19.9Female householder, no

husband present 2,971 100.0 2,405 81.0 476 16.0 90 3.0 2,238 75.3 1,995 67.2 1,157 38.9 614 20.7Male householder, no

wife present 807 100.0 636 78.8 127 15.7 44 5.5 612 75.9 569 70.6 279 34.5 177 22.0Married couple 2,127 100.0 1,669 78.5 369 17.4 88 4.2 1,604 75.4 1,449 68.1 655 30.8 384 18.1

Nonfamily household 3,960 100.0 2,623 66.2 1,059 26.7 278 7.0 2,508 63.3 2,124 53.6 1,047 26.4 484 12.2Female householder 1,702 100.0 1,019 59.9 545 32.0 138 8.1 972 57.1 799 46.9 417 24.5 206 12.1Male householder 2,258 100.0 1,604 71.0 514 22.8 140 6.2 1,536 68.1 1,325 58.7 630 27.9 277 12.3

Other 11 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NARace and Ethnicity of Householder

Black 3,430 100.0 2,559 74.6 639 18.6 233 6.8 2,390 69.7 2,100 61.2 1,129 32.9 542 15.8Hispanic non-Black 2,762 100.0 2,030 73.5 636 23.0 95 3.5 1,948 70.5 1,792 64.9 534 19.3 309 11.2Asian 134 100.0 49 36.5 77 56.9 9 6.6 49 36.5 41 30.1 3 2.3 2 1.5American Indian/Alaskan 202 100.0 162 80.5 35 17.3 5 2.3 157 77.8 139 68.9 66 32.8 45 22.3Hawaiian/Pacific Islander 17 100.0 NA NA NA NA NA NA NA NA NA NA NA NA NA NAWhite non-Black

non-Hispanic 3,330 100.0 2,526 75.8 646 19.4 158 4.7 2,411 72.4 2,053 61.6 1,401 42.1 757 22.7Spanish is Only Language Spoken

Spanish is not only language spoken 8,965 100.0 6,690 74.6 1,820 20.3 455 5.1 6,332 70.6 5,548 61.9 3,044 34.0 1,595 17.8

Spanish is only language spoken 910 100.0 649 71.2 216 23.7 46 5.1 637 69.9 589 64.7 94 10.4 64 7.1

NativityU.S.-born 7,673 100.0 5,845 76.2 1,440 18.8 387 5.0 5,524 72.0 4,810 62.7 2,898 37.8 1,524 19.9Foreign-born citizen 453 100.0 230 50.9 192 42.5 30 6.7 218 48.3 194 42.8 60 13.3 29 6.5Foreign-born non citizen 1,750 100.0 1,263 72.2 403 23.1 83 4.8 1,226 70.1 1,133 64.8 180 10.3 106 6.1

Age Group15 to 24 years 1,094 100.0 846 77.3 211 19.3 37 3.4 810 74.0 716 65.4 300 27.4 166 15.125 to 34 years 2,587 100.0 2,097 81.1 388 15.0 102 3.9 1,980 76.6 1,787 69.1 953 36.8 566 21.935 to 44 years 1,994 100.0 1,603 80.4 317 15.9 74 3.7 1,502 75.3 1,390 69.7 754 37.8 424 21.345 to 54 years 2,002 100.0 1,466 73.2 419 20.9 117 5.8 1,406 70.2 1,213 60.6 680 33.9 329 16.555 to 64 years 1,202 100.0 849 70.7 257 21.4 95 7.9 809 67.4 686 57.1 346 28.8 118 9.865 years or more 997 100.0 477 47.9 444 44.5 75 7.6 460 46.2 345 34.6 106 10.6 57 5.8

EducationNo high school degree 3,696 100.0 2,622 71.0 914 24.7 159 4.3 2,498 67.6 2,208 59.7 929 25.1 506 13.7High school degree 3,764 100.0 2,906 77.2 648 17.2 210 5.6 2,740 72.8 2,414 64.1 1,311 34.8 715 19.0Some college 2,002 100.0 1,588 79.3 323 16.1 91 4.5 1,518 75.8 1,335 66.7 822 41.1 407 20.3College degree 413 100.0 221 53.6 151 36.5 41 10.0 213 51.5 180 43.5 76 18.4 32 7.8

Employment StatusEmployed 3,818 100.0 3,016 79.0 618 16.2 184 4.8 2,897 75.9 2,639 69.1 1,219 31.9 659 17.3Unemployed 1,525 100.0 1,241 81.4 236 15.5 48 3.1 1,153 75.6 1,022 67.1 651 42.7 394 25.8Not in labor force 4,532 100.0 3,082 68.0 1,182 26.1 268 5.9 2,918 64.4 2,475 54.6 1,269 28.0 607 13.4

Household IncomeLess than $15,000 5,510 100.0 4,091 74.3 1,193 21.7 226 4.1 3,873 70.3 3,372 61.2 1,802 32.7 917 16.6Between $15,000 and

$30,000 2,581 100.0 1,951 75.6 455 17.6 174 6.8 1,866 72.3 1,656 64.2 828 32.1 462 17.9Between $30,000 and

$50,000 1,221 100.0 883 72.3 277 22.7 61 5.0 838 68.6 755 61.8 352 28.9 185 15.1Between $50,000 and

$75,000 431 100.0 335 77.7 72 16.7 24 5.6 317 73.5 286 66.3 123 28.5 73 16.9At Least $75,000 132 100.0 79 59.4 39 29.2 15 11.4 75 56.4 68 51.6 34 25.6 23 17.3

HomeownershipHomeowner 2,238 100.0 1,568 70.0 518 23.2 152 6.8 1,478 66.0 1,250 55.9 608 27.2 310 13.9Non-homeowner 7,637 100.0 5,771 75.6 1,518 19.9 348 4.6 5,491 71.9 4,887 64.0 2,530 33.1 1,349 17.7

Geographic RegionNortheast 1,537 100.0 1,091 71.0 376 24.5 70 4.5 1,055 68.6 927 60.3 393 25.6 175 11.4Midwest 1,920 100.0 1,420 74.0 385 20.0 115 6.0 1,337 69.6 1,167 60.8 644 33.5 308 16.1South 4,493 100.0 3,429 76.3 842 18.7 221 4.9 3,221 71.7 2,811 62.6 1,536 34.2 852 19.0West 1,925 100.0 1,397 72.6 433 22.5 94 4.9 1,355 70.4 1,232 64.0 565 29.4 324 16.8

Metropolitan StatusMetropolitan Area 8,029 100.0 5,946 74.1 1,647 20.5 436 5.4 5,660 70.5 5,017 62.5 2,480 30.9 1,298 16.2

Inside principal city 4,066 100.0 2,981 73.3 851 20.9 234 5.8 2,851 70.1 2,534 62.3 1,169 28.7 626 15.4Not inside principal city 2,754 100.0 2,069 75.1 528 19.2 157 5.7 1,971 71.6 1,777 64.5 908 33.0 464 16.8Not identified 1,209 100.0 896 74.1 269 22.2 45 3.7 838 69.3 706 58.4 403 33.4 208 17.2

Not in Metropolitan Area 1,764 100.0 1,336 75.8 370 21.0 57 3.2 1,257 71.3 1,072 60.8 629 35.7 346 19.6Not Identified 83 100.0 56 68.2 19 22.5 8 9.3 51 61.5 48 57.7 29 35.6 16 18.9

Notes:Figures do not always reconcile to totals because of rounding.NA = Not available because the sample size was too small to make an accurate estimate.AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund anticipation loans.


Table A-3 Underbanked Households’ Use of AFS by Demographic Characteristic


All Underbanked Households Ever Used An AFS

Memo ItemsEver Used Transaction

AFSUsed Transaction AFS in

the Last Year Ever Used Credit AFSUsed Credit AFS in the

Last YearHouseholds

(1,000s) Row PctHouseholds

(1,000s)Row Pct

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

All Underbanked Households 24,199 100.0 24,199 100.0 22,711 93.9 21,874 90.4 9,011 37.2 5,583 23.1Household Family Type

Family household 16,931 100.0 16,931 100.0 15,826 93.5 15,198 89.8 6,438 38.0 4,106 24.3Female householder, no husband

present 4,598 100.0 4,598 100.0 4,255 92.5 4,067 88.4 2,187 47.6 1,418 30.8Male householder, no wife present 1,662 100.0 1,662 100.0 1,548 93.1 1,499 90.2 704 42.4 497 29.9Married couple 10,671 100.0 10,671 100.0 10,023 93.9 9,632 90.3 3,547 33.2 2,191 20.5

Nonfamily household 7,239 100.0 7,239 100.0 6,856 94.7 6,647 91.8 2,567 35.5 1,476 20.4Female householder 3,359 100.0 3,359 100.0 3,192 95.0 3,082 91.8 1,118 33.3 624 18.6Male householder 3,880 100.0 3,880 100.0 3,664 94.4 3,565 91.9 1,449 37.3 851 21.9

Other 29 100.0 NA NA NA NA NA NA NA NA NA NARace and Ethnicity of Householder

Black 5,441 100.0 5,441 100.0 5,227 96.1 5,066 93.1 2,326 42.8 1,329 24.4Hispanic non-Black 3,927 100.0 3,927 100.0 3,703 94.3 3,622 92.2 1,203 30.6 801 20.4Asian 825 100.0 825 100.0 811 98.3 794 96.2 112 13.6 65 7.9American Indian/Alaskan 372 100.0 372 100.0 342 92.0 320 86.0 184 49.4 116 31.2Hawaiian/Pacific Islander 81 100.0 81 100.0 66 82.1 66 82.1 43 53.2 28 34.8White non-Black non-Hispanic 13,551 100.0 13,551 100.0 12,559 92.7 12,003 88.6 5,141 37.9 3,245 23.9Other non-Black non-Hispanic 3 100.0 NA NA NA NA NA NA NA NA NA NA

Spanish is Only Language SpokenSpanish is not only language spoken 23,496 100.0 23,496 100.0 22,035 93.8 21,204 90.2 8,866 37.7 5,473 23.3Spanish is only language spoken 703 100.0 703 100.0 677 96.2 671 95.3 145 20.6 110 15.7

NativityU.S.-born 20,038 100.0 20,038 100.0 18,661 93.1 17,864 89.2 8,290 41.4 5,111 25.5Foreign-born citizen 1,880 100.0 1,880 100.0 1,838 97.8 1,821 96.9 287 15.2 165 8.8Foreign-born non citizen 2,282 100.0 2,282 100.0 2,213 97.0 2,189 96.0 435 19.1 307 13.4

Age Group15 to 24 years 1,955 100.0 1,955 100.0 1,845 94.3 1,798 92.0 728 37.2 559 28.625 to 34 years 4,993 100.0 4,993 100.0 4,653 93.2 4,443 89.0 2,171 43.5 1,412 28.335 to 44 years 4,918 100.0 4,918 100.0 4,546 92.4 4,342 88.3 2,184 44.4 1,378 28.045 to 54 years 5,336 100.0 5,336 100.0 4,984 93.4 4,804 90.0 2,029 38.0 1,145 21.555 to 64 years 4,064 100.0 4,064 100.0 3,884 95.6 3,730 91.8 1,246 30.7 704 17.365 years or more 2,933 100.0 2,933 100.0 2,800 95.5 2,756 94.0 653 22.3 385 13.1

EducationNo high school degree 3,505 100.0 3,505 100.0 3,299 94.1 3,177 90.6 1,267 36.2 885 25.2High school degree 7,638 100.0 7,638 100.0 7,095 92.9 6,812 89.2 3,252 42.6 2,031 26.6Some college 7,676 100.0 7,676 100.0 7,115 92.7 6,797 88.5 3,295 42.9 2,004 26.1College degree 5,380 100.0 5,380 100.0 5,203 96.7 5,088 94.6 1,198 22.3 664 12.3

Employment StatusEmployed 15,515 100.0 15,515 100.0 14,590 94.0 14,094 90.8 5,611 36.2 3,467 22.3Unemployed 1,899 100.0 1,899 100.0 1,732 91.2 1,619 85.3 955 50.3 664 35.0Not in labor force 6,786 100.0 6,786 100.0 6,389 94.2 6,162 90.8 2,445 36.0 1,452 21.4

Household IncomeLess than $15,000 4,225 100.0 4,225 100.0 3,881 91.9 3,701 87.6 1,912 45.3 1,240 29.4Between $15,000 and $30,000 5,628 100.0 5,628 100.0 5,249 93.3 5,025 89.3 2,480 44.1 1,548 27.5Between $30,000 and $50,000 5,787 100.0 5,787 100.0 5,406 93.4 5,223 90.3 2,230 38.5 1,405 24.3Between $50,000 and $75,000 4,142 100.0 4,142 100.0 3,920 94.6 3,778 91.2 1,435 34.7 890 21.5At Least $75,000 4,418 100.0 4,418 100.0 4,255 96.3 4,147 93.9 954 21.6 500 11.3

HomeownershipHomeowner 12,590 100.0 12,590 100.0 11,872 94.3 11,485 91.2 3,853 30.6 2,275 18.1Non-homeowner 11,610 100.0 11,610 100.0 10,839 93.4 10,389 89.5 5,158 44.4 3,308 28.5

Geographic RegionNortheast 3,908 100.0 3,908 100.0 3,790 97.0 3,703 94.8 1,035 26.5 566 14.5Midwest 4,772 100.0 4,772 100.0 4,404 92.3 4,217 88.4 1,913 40.1 1,153 24.2South 10,429 100.0 10,429 100.0 9,758 93.6 9,398 90.1 4,100 39.3 2,652 25.4West 5,090 100.0 5,090 100.0 4,760 93.5 4,556 89.5 1,963 38.6 1,212 23.8

Metropolitan StatusMetropolitan Area 20,066 100.0 20,066 100.0 18,894 94.2 18,254 91.0 7,273 36.2 4,464 22.2

Inside principal city 7,485 100.0 7,485 100.0 7,134 95.3 6,919 92.4 2,669 35.7 1,616 21.6Not inside principal city 9,214 100.0 9,214 100.0 8,664 94.0 8,405 91.2 3,085 33.5 1,917 20.8Not identified 3,367 100.0 3,367 100.0 3,096 91.9 2,930 87.0 1,518 45.1 930 27.6

Not in Metropolitan Area 3,857 100.0 3,857 100.0 3,557 92.2 3,371 87.4 1,623 42.1 1,052 27.3Not Identified 276 100.0 276 100.0 260 94.3 249 90.3 115 41.8 67 24.3



Table A-4 Fully Banked Households’ Use of AFS by Demographic Characteristic


All Fully Banked Households


Has Ever Used Has Never UsedEver Used

Transaction AFSHas Never Used Transaction AFS

Ever Used Credit AFS

Has Never used Credit AFS

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

All Fully Banked Households 82,830 100.0 19,531 23.6 63,299 76.4 16,945 20.5 65,885 79.5 4,855 5.9 77,975 94.1Household Family Type

Family household 53,797 100.0 12,514 23.3 41,283 76.7 10,788 20.1 43,010 79.9 3,158 5.9 50,639 94.1Female householder, no

husband present 7,544 100.0 2,122 28.1 5,422 71.9 1,708 22.6 5,836 77.4 752 10.0 6,793 90.0Male householder, no wife

present 3,006 100.0 787 26.2 2,219 73.8 632 21.0 2,374 79.0 270 9.0 2,736 91.0Married couple 43,247 100.0 9,605 22.2 33,642 77.8 8,448 19.5 34,799 80.5 2,136 4.9 41,111 95.1

Nonfamily household 28,978 100.0 6,994 24.1 21,983 75.9 6,140 21.2 22,837 78.8 1,688 5.8 27,289 94.2Female householder 15,868 100.0 3,610 22.8 12,258 77.2 3,204 20.2 12,664 79.8 809 5.1 15,059 94.9Male householder 13,110 100.0 3,385 25.8 9,725 74.2 2,937 22.4 10,173 77.6 880 6.7 12,230 93.3

Other 55 100.0 NA NA NA NA NA NA NA NA NA NA NA NARace and Ethnicity of Householder

Black 6,672 100.0 2,140 32.1 4,531 67.9 1,761 26.4 4,910 73.6 786 11.8 5,886 88.2Hispanic non-Black 6,677 100.0 1,434 21.5 5,243 78.5 1,196 17.9 5,481 82.1 407 6.1 6,271 93.9Asian 3,844 100.0 481 12.5 3,362 87.5 460 12.0 3,384 88.0 58 1.5 3,786 98.5American Indian/Alaskan 765 100.0 248 32.3 518 67.7 182 23.8 583 76.2 107 14.0 658 86.0Hawaiian/Pacific Islander 168 100.0 45 27.1 122 72.9 42 25.0 126 75.0 9 5.5 159 94.5White non-Black

non-Hispanic 64,690 100.0 15,170 23.4 49,520 76.6 13,291 20.5 51,399 79.5 3,484 5.4 61,206 94.6Other non-Black

non-Hispanic 14 100.0 NA NA NA NA NA NA NA NA NA NA NA NASpanish is Only Language Spoken

Spanish is not only language spoken 82,018 100.0 19,369 23.6 62,649 76.4 16,797 20.5 65,220 79.5 4,837 5.9 77,181 94.1

Spanish is only language spoken 812 100.0 162 20.0 650 80.0 147 18.1 665 81.9 18 2.2 794 97.8

NativityU.S.-born 73,435 100.0 18,056 24.6 55,378 75.4 15,596 21.2 57,838 78.8 4,645 6.3 68,790 93.7Foreign-born citizen 5,783 100.0 851 14.7 4,932 85.3 786 13.6 4,997 86.4 115 2.0 5,668 98.0Foreign-born non citizen 3,612 100.0 623 17.2 2,989 82.8 562 15.6 3,050 84.4 94 2.6 3,517 97.4

Age Group15 to 24 years 3,129 100.0 624 19.9 2,506 80.1 509 16.3 2,620 83.7 192 6.1 2,937 93.925 to 34 years 12,286 100.0 3,086 25.1 9,200 74.9 2,597 21.1 9,689 78.9 930 7.6 11,356 92.435 to 44 years 13,996 100.0 3,599 25.7 10,397 74.3 3,042 21.7 10,954 78.3 1,032 7.4 12,964 92.645 to 54 years 16,553 100.0 3,999 24.2 12,554 75.8 3,432 20.7 13,121 79.3 1,106 6.7 15,448 93.355 to 64 years 16,132 100.0 3,992 24.7 12,141 75.3 3,521 21.8 12,612 78.2 927 5.7 15,205 94.365 years or more 20,733 100.0 4,231 20.4 16,502 79.6 3,843 18.5 16,890 81.5 668 3.2 20,065 96.8

EducationNo high school degree 6,677 100.0 1,640 24.6 5,037 75.4 1,369 20.5 5,307 79.5 464 6.9 6,213 93.1High school degree 21,969 100.0 5,159 23.5 16,810 76.5 4,330 19.7 17,639 80.3 1,452 6.6 20,517 93.4Some college 23,388 100.0 6,202 26.5 17,186 73.5 5,213 22.3 18,175 77.7 1,877 8.0 21,511 92.0College degree 30,796 100.0 6,530 21.2 24,266 78.8 6,033 19.6 24,763 80.4 1,062 3.4 29,734 96.6

Employment StatusEmployed 51,294 100.0 12,295 24.0 39,000 76.0 10,649 20.8 40,645 79.2 3,034 5.9 48,260 94.1Unemployed 3,218 100.0 846 26.3 2,372 73.7 680 21.1 2,538 78.9 344 10.7 2,874 89.3Not in labor force 28,318 100.0 6,391 22.6 21,927 77.4 5,616 19.8 22,702 80.2 1,477 5.2 26,841 94.8

Household IncomeLess than $15,000 9,299 100.0 2,354 25.3 6,945 74.7 1,975 21.2 7,324 78.8 735 7.9 8,564 92.1Between $15,000 and

$30,000 13,134 100.0 3,341 25.4 9,793 74.6 2,724 20.7 10,410 79.3 1,085 8.3 12,049 91.7Between $30,000 and

$50,000 17,015 100.0 4,344 25.5 12,671 74.5 3,615 21.2 13,400 78.8 1,234 7.3 15,781 92.7Between $50,000 and

$75,000 16,757 100.0 3,938 23.5 12,819 76.5 3,498 20.9 13,260 79.1 906 5.4 15,851 94.6At Least $75,000 26,624 100.0 5,553 20.9 21,071 79.1 5,133 19.3 21,491 80.7 895 3.4 25,729 96.6

HomeownershipHomeowner 61,833 100.0 13,804 22.3 48,030 77.7 12,255 19.8 49,578 80.2 2,854 4.6 58,980 95.4Non-homeowner 20,996 100.0 5,727 27.3 15,269 72.7 4,690 22.3 16,307 77.7 2,001 9.5 18,995 90.5

Geographic RegionNortheast 15,675 100.0 3,557 22.7 12,118 77.3 3,260 20.8 12,414 79.2 605 3.9 15,070 96.1Midwest 19,379 100.0 4,424 22.8 14,955 77.2 3,773 19.5 15,605 80.5 1,142 5.9 18,236 94.1South 28,772 100.0 7,167 24.9 21,604 75.1 6,151 21.4 22,621 78.6 1,886 6.6 26,886 93.4West 19,005 100.0 4,383 23.1 14,622 76.9 3,761 19.8 15,244 80.2 1,222 6.4 17,783 93.6

Metropolitan StatusMetropolitan Area 69,203 100.0 15,867 22.9 53,336 77.1 13,760 19.9 55,443 80.1 3,995 5.8 65,207 94.2

Inside principal city 21,111 100.0 4,922 23.3 16,189 76.7 4,215 20.0 16,896 80.0 1,331 6.3 19,780 93.7Not inside principal city 36,057 100.0 7,983 22.1 28,074 77.9 7,065 19.6 28,992 80.4 1,766 4.9 34,291 95.1Not identified 12,034 100.0 2,962 24.6 9,073 75.4 2,480 20.6 9,555 79.4 898 7.5 11,137 92.5

Not in Metropolitan Area 13,096 100.0 3,528 26.9 9,568 73.1 3,068 23.4 10,028 76.6 815 6.2 12,281 93.8Not Identified 531 100.0 136 25.7 395 74.3 117 22.0 414 78.0 45 8.4 486 91.6



Table A-5 Timing of All Households’ Use of AFS by Demographic Characteristic


All Households

Timing of AFS Usea Memo Item

In Last 30 daysb In Last 2-12 monthsNot in the Last 12

months Never Used UnknownUsed AFS In the

Last yearHouseholds

(1,000s)Row Pct

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

All Households 120,408 100.0 14,470 12.0 16,139 13.4 21,002 17.4 65,335 54.3 3,461 2.9 30,609 25.4Banking Status

Unbanked 9,875 100.0 4,490 45.5 1,920 19.4 929 9.4 2,036 20.6 501 5.1 6,410 64.9Underbanked 24,199 100.0 9,981 41.2 14,219 58.8 0 0.0 0 0.0 0 0.0 24,199 100.0Fully Banked 82,830 100.0 0 0.0 0 0.0 19,531 23.6 63,299 76.4 0 0.0 0 0.0Banked but Underbanked Status Unknown 3,504 100.0 0 0.0 0 0.0 543 15.5 0 0.0 2,961 84.5 0 0.0

Household Family TypeFamily household 78,826 100.0 10,040 12.7 11,091 14.1 13,377 17.0 42,255 53.6 2,062 2.6 21,132 26.8

Female householder, no husband present 15,575 100.0 3,643 23.4 3,075 19.7 2,502 16.1 5,898 37.9 456 2.9 6,718 43.1Male householder, no wife present 5,661 100.0 1,167 20.6 1,075 19.0 867 15.3 2,346 41.4 206 3.6 2,242 39.6Married couple 57,591 100.0 5,231 9.1 6,941 12.1 10,008 17.4 34,011 59.1 1,400 2.4 12,172 21.1

Nonfamily household 41,479 100.0 4,422 10.7 5,026 12.1 7,594 18.3 23,042 55.6 1,395 3.4 9,448 22.8Female householder 21,688 100.0 1,929 8.9 2,269 10.5 3,884 17.9 12,803 59.0 803 3.7 4,198 19.4Male householder 19,791 100.0 2,493 12.6 2,757 13.9 3,710 18.7 10,239 51.7 591 3.0 5,250 26.5

Other 102 100.0 8 7.5 22 21.1 31 30.1 37 36.7 5 4.6 29 28.6Race and Ethnicity of Householder

Black 16,046 100.0 4,217 26.3 3,425 21.3 2,600 16.2 5,170 32.2 633 3.9 7,642 47.6Hispanic non-Black 13,710 100.0 3,406 24.8 2,367 17.3 1,689 12.3 5,880 42.9 369 2.7 5,773 42.1Asian 4,985 100.0 289 5.8 577 11.6 515 10.3 3,439 69.0 165 3.3 866 17.4American Indian/Alaskan 1,389 100.0 276 19.9 241 17.3 276 19.9 553 39.8 44 3.2 516 37.2Hawaiian/Pacific Islander 267 100.0 41 15.3 52 19.5 45 17.0 126 47.0 3 1.1 93 34.8White non-Black non-Hispanic 83,988 100.0 6,242 7.4 9,474 11.3 15,864 18.9 50,167 59.7 2,241 2.7 15,716 18.7Other non-Black non-Hispanic 23 100.0 NA NA NA NA NA NA NA NA NA NA NA NA

Spanish is Only Language SpokenSpanish is not only language spoken 117,940 100.0 13,566 11.5 15,743 13.3 20,774 17.6 64,470 54.7 3,388 2.9 29,309 24.9Spanish is only language spoken 2,467 100.0 904 36.6 396 16.1 228 9.2 865 35.1 74 3.0 1,300 52.7

NativityU.S.-born 104,143 100.0 11,461 11.0 13,626 13.1 19,329 18.6 56,819 54.6 2,908 2.8 25,087 24.1Foreign-born citizen 8,380 100.0 912 10.9 1,174 14.0 915 10.9 5,124 61.1 256 3.1 2,086 24.9Foreign-born non citizen 7,885 100.0 2,097 26.6 1,339 17.0 758 9.6 3,392 43.0 298 3.8 3,436 43.6

Age Group15 to 24 years 6,299 100.0 1,415 22.5 1,276 20.2 738 11.7 2,717 43.1 154 2.4 2,691 42.725 to 34 years 20,374 100.0 3,404 16.7 3,480 17.1 3,392 16.6 9,588 47.1 510 2.5 6,884 33.835 to 44 years 21,414 100.0 3,093 14.4 3,278 15.3 3,818 17.8 10,714 50.0 511 2.4 6,371 29.845 to 54 years 24,658 100.0 3,080 12.5 3,523 14.3 4,284 17.4 12,973 52.6 798 3.2 6,603 26.855 to 64 years 22,036 100.0 2,075 9.4 2,693 12.2 4,247 19.3 12,398 56.3 623 2.8 4,768 21.665 years or more 25,625 100.0 1,402 5.5 1,890 7.4 4,522 17.6 16,946 66.1 865 3.4 3,293 12.8

EducationNo high school degree 14,321 100.0 3,567 24.9 2,251 15.7 2,036 14.2 5,951 41.6 515 3.6 5,818 40.6High school degree 34,462 100.0 4,950 14.4 5,202 15.1 5,699 16.5 17,458 50.7 1,152 3.3 10,152 29.5Some college 34,010 100.0 4,114 12.1 4,965 14.6 6,576 19.3 17,508 51.5 846 2.5 9,079 26.7College degree 37,615 100.0 1,838 4.9 3,721 9.9 6,692 17.8 24,417 64.9 947 2.5 5,559 14.8

Employment StatusEmployed 72,580 100.0 8,330 11.5 9,913 13.7 12,881 17.7 39,618 54.6 1,839 2.5 18,242 25.1Unemployed 6,779 100.0 1,460 21.5 1,532 22.6 1,011 14.9 2,608 38.5 167 2.5 2,993 44.1Not in labor force 41,049 100.0 4,680 11.4 4,694 11.4 7,110 17.3 23,109 56.3 1,456 3.5 9,374 22.8

Household IncomeLess than $15,000 19,541 100.0 4,377 22.4 3,396 17.4 2,973 15.2 8,139 41.6 657 3.4 7,773 39.8Between $15,000 and $30,000 22,073 100.0 3,793 17.2 3,545 16.1 3,678 16.7 10,248 46.4 808 3.7 7,338 33.2Between $30,000 and $50,000 24,787 100.0 3,148 12.7 3,424 13.8 4,585 18.5 12,948 52.2 683 2.8 6,572 26.5Between $50,000 and $75,000 21,975 100.0 1,771 8.1 2,666 12.1 4,095 18.6 12,891 58.7 552 2.5 4,437 20.2At Least $75,000 32,032 100.0 1,382 4.3 3,108 9.7 5,671 17.7 21,110 65.9 761 2.4 4,490 14.0

HomeownershipHomeowner 79,144 100.0 5,269 6.7 8,634 10.9 14,415 18.2 48,548 61.3 2,278 2.9 13,903 17.6Non-homeowner 41,264 100.0 9,201 22.3 7,505 18.2 6,588 16.0 16,787 40.7 1,183 2.9 16,706 40.5

Geographic RegionNortheast 21,784 100.0 2,150 9.9 2,709 12.4 3,794 17.4 12,494 57.4 637 2.9 4,859 22.3Midwest 26,900 100.0 2,705 10.1 3,286 12.2 4,750 17.7 15,340 57.0 820 3.0 5,991 22.3South 44,920 100.0 6,425 14.3 6,979 15.5 7,798 17.4 22,446 50.0 1,271 2.8 13,404 29.8West 26,804 100.0 3,190 11.9 3,165 11.8 4,660 17.4 15,055 56.2 734 2.7 6,356 23.7

Metropolitan StatusMetropolitan Area 100,311 100.0 12,040 12.0 13,244 13.2 17,066 17.0 54,983 54.8 2,978 3.0 25,284 25.2

Inside principal city 33,636 100.0 5,278 15.7 4,836 14.4 5,426 16.1 17,040 50.7 1,056 3.1 10,114 30.1Not inside principal city 49,548 100.0 4,899 9.9 6,160 12.4 8,419 17.0 28,602 57.7 1,467 3.0 11,060 22.3Not identified 17,127 100.0 1,863 10.9 2,248 13.1 3,221 18.8 9,341 54.5 454 2.7 4,110 24.0

Not in Metropolitan Area 19,193 100.0 2,270 11.8 2,727 14.2 3,792 19.8 9,938 51.8 466 2.4 4,996 26.0Not Identified 903 100.0 161 17.8 168 18.6 144 15.9 413 45.8 17 1.9 329 36.4

Notes:Figures do not always reconcile to totals because of rounding.NA = Not available because the sample size was too small to make an accurate estimate.a Households are categorized by their most recent known use of AFS. Households that used AFS in the last year, but did not know whether AFS was used in the last 30 days, are categorized as having used AFS in the last 2-12 months. Households that had ever used AFS, but did not know whether AFS was used in the last year, are categorized as having used AFS, but not in the last 12 months. The unknown category includes only households that did not know whether they had ever used AFS.b The AFS included in this measure are non-bank money orders, non-bank check cashing, non-bank remittances, payday loans and pawn shop loans. Households were not asked whether they use rent-to-own agreements or refund anticipation loans in the last 30 days.


Table A-6 Timing of Unbanked Households’ Use of AFS by Demographic Characteristic




In Last 30 daysb In Last 2-12 monthsNot in the Last 12

months Never Used UnknownUsed AFS In the

Last yearHouseholds

(1,000s)Row Pct

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

All Unbanked Households 9,875 100.0 4,490 45.5 1,920 19.4 929 9.4 2,036 20.6 501 5.1 6,410 64.9Household Family Type

Family household 5,905 100.0 3,012 51.0 1,189 20.1 509 8.6 972 16.5 223 3.8 4,201 71.2Female householder, no

husband present 2,971 100.0 1,480 49.8 641 21.6 285 9.6 476 16.0 90 3.0 2,120 71.4Male householder, no wife

present 807 100.0 395 48.9 186 23.0 55 6.8 127 15.7 44 5.5 580 71.9Married couple 2,127 100.0 1,138 53.5 362 17.0 169 7.9 369 17.4 88 4.2 1,500 70.5

Nonfamily household 3,960 100.0 1,477 37.3 731 18.5 414 10.5 1,059 26.7 278 7.0 2,209 55.8Female householder 1,702 100.0 568 33.4 271 15.9 180 10.6 545 32.0 138 8.1 839 49.3Male householder 2,258 100.0 909 40.3 461 20.4 234 10.4 514 22.8 140 6.2 1,370 60.7

Other 11 100.0 NA NA NA NA NA NA NA NA NA NA NA NARace and Ethnicity of Householder

Black 3,430 100.0 1,471 42.9 730 21.3 357 10.4 639 18.6 233 6.8 2,202 64.2Hispanic non-Black 2,762 100.0 1,431 51.8 415 15.0 184 6.7 636 23.0 95 3.5 1,846 66.8Asian 134 100.0 25 18.7 15 11.4 9 6.4 77 56.9 9 6.6 41 30.1American Indian/Alaskan 202 100.0 92 45.5 53 26.1 18 8.9 35 17.3 5 2.3 145 71.6Hawaiian/Pacific Islander 17 100.0 NA NA NA NA NA NA NA NA NA NA NA NAWhite non-Black

non-Hispanic 3,330 100.0 1,462 43.9 703 21.1 361 10.8 646 19.4 158 4.7 2,165 65.0Spanish is Only Language Spoken

Spanish is not only language spoken 8,965 100.0 3,997 44.6 1,816 20.3 877 9.8 1,820 20.3 455 5.1 5,813 64.8

Spanish is only language spoken 910 100.0 492 54.1 105 11.5 52 5.7 216 23.7 46 5.1 597 65.6

NativityU.S.-born 7,673 100.0 3,416 44.5 1,634 21.3 795 10.4 1,440 18.8 387 5.0 5,049 65.8Foreign-born citizen 453 100.0 148 32.6 58 12.8 25 5.4 192 42.5 30 6.7 206 45.5Foreign-born non citizen 1,750 100.0 926 52.9 228 13.1 109 6.2 403 23.1 83 4.8 1,155 66.0

Age Group15 to 24 years 1,094 100.0 492 44.9 244 22.3 110 10.1 211 19.3 37 3.4 736 67.225 to 34 years 2,587 100.0 1,339 51.8 552 21.3 205 7.9 388 15.0 102 3.9 1,891 73.135 to 44 years 1,994 100.0 1,043 52.3 411 20.6 149 7.5 317 15.9 74 3.7 1,454 72.945 to 54 years 2,002 100.0 871 43.5 395 19.7 200 10.0 419 20.9 117 5.8 1,266 63.255 to 64 years 1,202 100.0 488 40.6 215 17.9 146 12.2 257 21.4 95 7.9 703 58.565 years or more 997 100.0 256 25.7 104 10.4 118 11.8 444 44.5 75 7.6 360 36.1

EducationNo high school degree 3,696 100.0 1,703 46.1 610 16.5 309 8.4 914 24.7 159 4.3 2,313 62.6High school degree 3,764 100.0 1,696 45.1 818 21.7 392 10.4 648 17.2 210 5.6 2,514 66.8Some college 2,002 100.0 984 49.2 418 20.9 185 9.3 323 16.1 91 4.5 1,403 70.1College degree 413 100.0 106 25.7 73 17.8 42 10.1 151 36.5 41 10.0 180 43.5

Employment StatusEmployed 3,818 100.0 2,079 54.4 649 17.0 288 7.5 618 16.2 184 4.8 2,728 71.4Unemployed 1,525 100.0 650 42.6 444 29.1 147 9.6 236 15.5 48 3.1 1,094 71.7Not in labor force 4,532 100.0 1,761 38.9 827 18.3 493 10.9 1,182 26.1 268 5.9 2,588 57.1

Household IncomeLess than $15,000 5,510 100.0 2,340 42.5 1,208 21.9 543 9.9 1,193 21.7 226 4.1 3,548 64.4Between $15,000 and

$30,000 2,581 100.0 1,260 48.8 450 17.5 241 9.3 455 17.6 174 6.8 1,710 66.3Between $30,000 and

$50,000 1,221 100.0 611 50.1 174 14.2 98 8.0 277 22.7 61 5.0 785 64.3Between $50,000 and

$75,000 431 100.0 224 52.1 70 16.3 40 9.3 72 16.7 24 5.6 294 68.3At Least $75,000 132 100.0 54 40.8 18 13.7 6 4.9 39 29.2 15 11.4 72 54.5

HomeownershipHomeowner 2,238 100.0 883 39.5 430 19.2 254 11.3 518 23.2 152 6.8 1,314 58.7Non-homeowner 7,637 100.0 3,606 47.2 1,490 19.5 675 8.8 1,518 19.9 348 4.6 5,096 66.7

Geographic RegionNortheast 1,537 100.0 627 40.8 324 21.1 140 9.1 376 24.5 70 4.5 951 61.9Midwest 1,920 100.0 834 43.4 384 20.0 202 10.5 385 20.0 115 6.0 1,218 63.4South 4,493 100.0 2,059 45.8 916 20.4 454 10.1 842 18.7 221 4.9 2,975 66.2West 1,925 100.0 969 50.3 297 15.4 132 6.9 433 22.5 94 4.9 1,265 65.7

Metropolitan StatusMetropolitan Area 8,029 100.0 3,685 45.9 1,533 19.1 728 9.1 1,647 20.5 436 5.4 5,218 65.0

Inside principal city 4,066 100.0 1,850 45.5 779 19.2 351 8.6 851 20.9 234 5.8 2,629 64.7Not inside principal city 2,754 100.0 1,354 49.2 492 17.9 223 8.1 528 19.2 157 5.7 1,846 67.0Not identified 1,209 100.0 481 39.8 262 21.7 153 12.7 269 22.2 45 3.7 743 61.4

Not in Metropolitan Area 1,764 100.0 766 43.4 373 21.1 197 11.2 370 21.0 57 3.2 1,139 64.6Not Identified 83 100.0 39 46.9 14 17.4 3 3.9 19 22.5 8 9.3 53 64.3



Table A-7 Timing of Underbanked Households’ Use of AFS by Demographic Characteristic


All Underbanked Households


In Last 30 daysb In Last 2-12 months Used AFS In the Last YearHouseholds

(1,000s)Row Pct

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

All Underbanked Households 24,199 100.0 9,981 41.2 14,219 58.8 24,199 100.0Household Family Type

Family household 16,931 100.0 7,028 41.5 9,903 58.5 16,931 100.0Female householder, no husband present 4,598 100.0 2,163 47.1 2,435 52.9 4,598 100.0Male householder, no wife present 1,662 100.0 772 46.5 890 53.5 1,662 100.0Married couple 10,671 100.0 4,093 38.4 6,579 61.6 10,671 100.0

Nonfamily household 7,239 100.0 2,945 40.7 4,294 59.3 7,239 100.0Female householder 3,359 100.0 1,361 40.5 1,998 59.5 3,359 100.0Male householder 3,880 100.0 1,584 40.8 2,297 59.2 3,880 100.0

Other 29 100.0 NA NA NA NA NA NARace and Ethnicity of Householder

Black 5,441 100.0 2,746 50.5 2,695 49.5 5,441 100.0Hispanic non-Black 3,927 100.0 1,974 50.3 1,952 49.7 3,927 100.0Asian 825 100.0 264 31.9 562 68.1 825 100.0American Indian/Alaskan 372 100.0 184 49.5 188 50.5 372 100.0Hawaiian/Pacific Islander 81 100.0 33 41.0 48 59.0 81 100.0White non-Black non-Hispanic 13,551 100.0 4,780 35.3 8,771 64.7 13,551 100.0Other non-Black non-Hispanic 3 100.0 NA NA NA NA NA NA

Spanish is Only Language SpokenSpanish is not only language spoken 23,496 100.0 9,569 40.7 13,927 59.3 23,496 100.0Spanish is only language spoken 703 100.0 412 58.5 292 41.5 703 100.0

NativityU.S.-born 20,038 100.0 8,045 40.2 11,992 59.8 20,038 100.0Foreign-born citizen 1,880 100.0 764 40.6 1,116 59.4 1,880 100.0Foreign-born non citizen 2,282 100.0 1,171 51.3 1,111 48.7 2,282 100.0

Age Group15 to 24 years 1,955 100.0 924 47.2 1,032 52.8 1,955 100.025 to 34 years 4,993 100.0 2,064 41.3 2,928 58.7 4,993 100.035 to 44 years 4,918 100.0 2,051 41.7 2,867 58.3 4,918 100.045 to 54 years 5,336 100.0 2,209 41.4 3,128 58.6 5,336 100.055 to 64 years 4,064 100.0 1,587 39.0 2,477 61.0 4,064 100.065 years or more 2,933 100.0 1,146 39.1 1,787 60.9 2,933 100.0

EducationNo high school degree 3,505 100.0 1,864 53.2 1,641 46.8 3,505 100.0High school degree 7,638 100.0 3,254 42.6 4,384 57.4 7,638 100.0Some college 7,676 100.0 3,130 40.8 4,546 59.2 7,676 100.0College degree 5,380 100.0 1,732 32.2 3,648 67.8 5,380 100.0

Employment StatusEmployed 15,515 100.0 6,251 40.3 9,264 59.7 15,515 100.0Unemployed 1,899 100.0 811 42.7 1,088 57.3 1,899 100.0Not in labor force 6,786 100.0 2,919 43.0 3,867 57.0 6,786 100.0

Household IncomeLess than $15,000 4,225 100.0 2,036 48.2 2,188 51.8 4,225 100.0Between $15,000 and $30,000 5,628 100.0 2,533 45.0 3,095 55.0 5,628 100.0Between $30,000 and $50,000 5,787 100.0 2,536 43.8 3,250 56.2 5,787 100.0Between $50,000 and $75,000 4,142 100.0 1,547 37.3 2,596 62.7 4,142 100.0At Least $75,000 4,418 100.0 1,328 30.1 3,089 69.9 4,418 100.0

HomeownershipHomeowner 12,590 100.0 4,386 34.8 8,204 65.2 12,590 100.0Non-homeowner 11,610 100.0 5,595 48.2 6,015 51.8 11,610 100.0

Geographic RegionNortheast 3,908 100.0 1,523 39.0 2,385 61.0 3,908 100.0Midwest 4,772 100.0 1,870 39.2 2,902 60.8 4,772 100.0South 10,429 100.0 4,366 41.9 6,063 58.1 10,429 100.0West 5,090 100.0 2,221 43.6 2,869 56.4 5,090 100.0

Metropolitan StatusMetropolitan Area 20,066 100.0 8,355 41.6 11,711 58.4 20,066 100.0

Inside principal city 7,485 100.0 3,428 45.8 4,057 54.2 7,485 100.0Not inside principal city 9,214 100.0 3,546 38.5 5,668 61.5 9,214 100.0Not identified 3,367 100.0 1,382 41.0 1,985 59.0 3,367 100.0

Not in Metropolitan Area 3,857 100.0 1,503 39.0 2,354 61.0 3,857 100.0Not Identified 276 100.0 122 44.2 154 55.8 276 100.0



Table A-8 Timing of Fully Banked Households’ Use of AFS by Demographic Characteristic



Timing of AFS UseNot in the Last 12 months Never Used

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

All Fully Banked Households 82,830 100.0 19,531 23.6 63,299 76.4Household Family Type

Family household 53,797 100.0 12,514 23.3 41,283 76.7Female householder, no husband

present 7,544 100.0 2,122 28.1 5,422 71.9Male householder, no wife present 3,006 100.0 787 26.2 2,219 73.8Married couple 43,247 100.0 9,605 22.2 33,642 77.8

Nonfamily household 28,978 100.0 6,994 24.1 21,983 75.9Female householder 15,868 100.0 3,610 22.8 12,258 77.2Male householder 13,110 100.0 3,385 25.8 9,725 74.2

Other 55 100.0 NA NA NA NARace and Ethnicity of Householder

Black 6,672 100.0 2,140 32.1 4,531 67.9Hispanic non-Black 6,677 100.0 1,434 21.5 5,243 78.5Asian 3,844 100.0 481 12.5 3,362 87.5American Indian/Alaskan 765 100.0 248 32.3 518 67.7Hawaiian/Pacific Islander 168 100.0 45 27.1 122 72.9White non-Black non-Hispanic 64,690 100.0 15,170 23.4 49,520 76.6Other non-Black non-Hispanic 14 100.0 NA NA NA NA

Spanish is Only Language SpokenSpanish is not only language spoken 82,018 100.0 19,369 23.6 62,649 76.4Spanish is only language spoken 812 100.0 162 20.0 650 80.0

NativityU.S.-born 73,435 100.0 18,056 24.6 55,378 75.4Foreign-born citizen 5,783 100.0 851 14.7 4,932 85.3Foreign-born non citizen 3,612 100.0 623 17.2 2,989 82.8

Age Group15 to 24 years 3,129 100.0 624 19.9 2,506 80.125 to 34 years 12,286 100.0 3,086 25.1 9,200 74.935 to 44 years 13,996 100.0 3,599 25.7 10,397 74.345 to 54 years 16,553 100.0 3,999 24.2 12,554 75.855 to 64 years 16,132 100.0 3,992 24.7 12,141 75.365 years or more 20,733 100.0 4,231 20.4 16,502 79.6

EducationNo high school degree 6,677 100.0 1,640 24.6 5,037 75.4High school degree 21,969 100.0 5,159 23.5 16,810 76.5Some college 23,388 100.0 6,202 26.5 17,186 73.5College degree 30,796 100.0 6,530 21.2 24,266 78.8

Employment StatusEmployed 51,294 100.0 12,295 24.0 39,000 76.0Unemployed 3,218 100.0 846 26.3 2,372 73.7Not in labor force 28,318 100.0 6,391 22.6 21,927 77.4

Household IncomeLess than $15,000 9,299 100.0 2,354 25.3 6,945 74.7Between $15,000 and $30,000 13,134 100.0 3,341 25.4 9,793 74.6Between $30,000 and $50,000 17,015 100.0 4,344 25.5 12,671 74.5Between $50,000 and $75,000 16,757 100.0 3,938 23.5 12,819 76.5At Least $75,000 26,624 100.0 5,553 20.9 21,071 79.1

HomeownershipHomeowner 61,833 100.0 13,804 22.3 48,030 77.7Non-homeowner 20,996 100.0 5,727 27.3 15,269 72.7

Geographic RegionNortheast 15,675 100.0 3,557 22.7 12,118 77.3Midwest 19,379 100.0 4,424 22.8 14,955 77.2South 28,772 100.0 7,167 24.9 21,604 75.1West 19,005 100.0 4,383 23.1 14,622 76.9

Metropolitan StatusMetropolitan Area 69,203 100.0 15,867 22.9 53,336 77.1

Inside principal city 21,111 100.0 4,922 23.3 16,189 76.7Not inside principal city 36,057 100.0 7,983 22.1 28,074 77.9Not identified 12,034 100.0 2,962 24.6 9,073 75.4

Not in Metropolitan Area 13,096 100.0 3,528 26.9 9,568 73.1Not Identified 531 100.0 136 25.7 395 74.3

Notes:Figures do not always reconcile to totals because of rounding.NA = Not available because the sample size was too small to make an accurate estimate.


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


All Households

Types of AFS Ever UsedTransaction and credit

productsTransaction products

only Credit products only Never used AFS UnknownHouseholds

(1,000s)Row Pct

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

All Households 120,408 100.0 12,607 10.5 33,778 28.1 4,439 3.7 65,335 54.3 4,248 3.5Banking Status

Unbanked 9,875 100.0 2,768 28.0 3,963 40.1 363 3.7 2,036 20.6 746 7.6Underbanked 24,199 100.0 7,524 31.1 14,940 61.7 1,458 6.0 0 0.0 278 1.1Fully Banked 82,830 100.0 2,269 2.7 14,676 17.7 2,586 3.1 63,299 76.4 0 0.0Banked but Underbanked Status

Unknown 3,504 100.0 47 1.3 200 5.7 33 0.9 0 0.0 3,224 92.0Household Family Type


present 15,575 100.0 3,175 20.4 4,932 31.7 922 5.9 5,898 37.9 647 4.2Male householder, no wife present 5,661 100.0 967 17.1 1,799 31.8 289 5.1 2,346 41.4 260 4.6Married couple 57,591 100.0 4,490 7.8 15,549 27.0 1,865 3.2 34,011 59.1 1,676 2.9

Nonfamily household 41,479 100.0 3,966 9.6 11,454 27.6 1,357 3.3 23,042 55.6 1,660 4.0Female householder 21,688 100.0 1,735 8.0 5,603 25.8 615 2.8 12,803 59.0 933 4.3Male householder 19,791 100.0 2,231 11.3 5,852 29.6 742 3.7 10,239 51.7 727 3.7


Black 16,046 100.0 3,480 21.7 5,806 36.2 767 4.8 5,170 32.2 823 5.1Hispanic non-Black 13,710 100.0 1,608 11.7 5,118 37.3 550 4.0 5,880 42.9 553 4.0Asian 4,985 100.0 137 2.8 1,174 23.6 31 0.6 3,439 69.0 203 4.1American Indian/Alaskan 1,389 100.0 259 18.6 419 30.2 100 7.2 553 39.8 58 4.2Hawaiian/Pacific Islander 267 100.0 40 14.9 75 28.1 18 6.7 126 47.0 9 3.3White non-Black non-Hispanic 83,988 100.0 7,077 8.4 21,177 25.2 2,972 3.5 50,167 59.7 2,595 3.1Other non-Black non-Hispanic 23 100.0 NA NA NA NA NA NA NA NA NA NA

Spanish is Only Language SpokenSpanish is not only language spoken 117,940 100.0 12,404 10.5 32,555 27.6 4,385 3.7 64,470 54.7 4,127 3.5Spanish is only language spoken 2,467 100.0 203 8.2 1,223 49.6 54 2.2 865 35.1 121 4.9

NativityU.S.-born 104,143 100.0 11,722 11.3 27,946 26.8 4,157 4.0 56,819 54.6 3,499 3.4Foreign-born citizen 8,380 100.0 344 4.1 2,477 29.6 114 1.4 5,124 61.1 321 3.8Foreign-born non citizen 7,885 100.0 542 6.9 3,355 42.5 167 2.1 3,392 43.0 429 5.4

Age Group15 to 24 years 6,299 100.0 962 15.3 2,161 34.3 257 4.1 2,717 43.1 203 3.225 to 34 years 20,374 100.0 3,124 15.3 6,055 29.7 952 4.7 9,588 47.1 656 3.235 to 44 years 21,414 100.0 2,951 13.8 6,062 28.3 1,026 4.8 10,714 50.0 662 3.145 to 54 years 24,658 100.0 2,837 11.5 6,902 28.0 969 3.9 12,973 52.6 978 4.055 to 64 years 22,036 100.0 1,838 8.3 6,355 28.8 689 3.1 12,398 56.3 757 3.465 years or more 25,625 100.0 897 3.5 6,244 24.4 547 2.1 16,946 66.1 992 3.9

EducationNo high school degree 14,321 100.0 2,062 14.4 4,997 34.9 597 4.2 5,951 41.6 714 5.0High school degree 34,462 100.0 4,497 13.0 9,546 27.7 1,533 4.4 17,458 50.7 1,427 4.1Some college 34,010 100.0 4,395 12.9 9,459 27.8 1,627 4.8 17,508 51.5 1,020 3.0College degree 37,615 100.0 1,653 4.4 9,776 26.0 682 1.8 24,417 64.9 1,088 2.9

Employment StatusEmployed 72,580 100.0 7,203 9.9 20,786 28.6 2,697 3.7 39,618 54.6 2,276 3.1Unemployed 6,779 100.0 1,531 22.6 2,006 29.6 414 6.1 2,608 38.5 220 3.2Not in labor force 41,049 100.0 3,874 9.4 10,986 26.8 1,328 3.2 23,109 56.3 1,752 4.3

Household IncomeLess than $15,000 19,541 100.0 3,517 18.0 6,080 31.1 930 4.8 8,139 41.6 876 4.5Between $15,000 and $30,000 22,073 100.0 3,332 15.1 6,448 29.2 1,069 4.8 10,248 46.4 976 4.4Between $30,000 and $50,000 24,787 100.0 2,670 10.8 7,151 28.8 1,161 4.7 12,948 52.2 857 3.5Between $50,000 and $75,000 21,975 100.0 1,786 8.1 5,922 27.0 687 3.1 12,891 58.7 689 3.1At Least $75,000 32,032 100.0 1,302 4.1 8,178 25.5 592 1.8 21,110 65.9 850 2.7

HomeownershipHomeowner 79,144 100.0 4,988 6.3 20,623 26.1 2,359 3.0 48,548 61.3 2,626 3.3Non-homeowner 41,264 100.0 7,619 18.5 13,155 31.9 2,080 5.0 16,787 40.7 1,622 3.9

Geographic RegionNortheast 21,784 100.0 1,582 7.3 6,494 29.8 451 2.1 12,494 57.4 762 3.5Midwest 26,900 100.0 2,609 9.7 6,865 25.5 1,109 4.1 15,340 57.0 977 3.6South 44,920 100.0 5,641 12.6 13,356 29.7 1,883 4.2 22,446 50.0 1,594 3.5West 26,804 100.0 2,775 10.4 7,063 26.4 996 3.7 15,055 56.2 915 3.4

Metropolitan StatusMetropolitan Area 100,311 100.0 10,217 10.2 27,856 27.8 3,561 3.6 54,983 54.8 3,694 3.7

Inside principal city 33,636 100.0 3,982 11.8 10,064 29.9 1,196 3.6 17,040 50.7 1,355 4.0Not inside principal city 49,548 100.0 4,218 8.5 13,377 27.0 1,566 3.2 28,602 57.7 1,785 3.6Not identified 17,127 100.0 2,017 11.8 4,415 25.8 800 4.7 9,341 54.5 554 3.2

Not in Metropolitan Area 19,193 100.0 2,242 11.7 5,643 29.4 837 4.4 9,938 51.8 533 2.8Not Identified 903 100.0 149 16.5 279 30.9 40 4.5 413 45.8 22 2.4

Notes:Figures do not always reconcile to totals because of rounding.NA = Not available because the sample size was too small to make an accurate estimate.- = For this table cell, there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion was rounded to 0.0 percent. It is estimated that the true value is only slightly greater than zero.AFS transaction products are non-bank check cashing, non-bank money orders and non-bank remittances. AFS credit products are payday loans, pawn shop loans, rent-to-own agreements and refund anticipation loans.


Table A-10 Unbanked Households’ Use of AFS Transaction and Credit Products by Demographic Characteristic




productsTransaction products

only Credit products only Never used AFS UnknownHouseholds

(1,000s)Row Pct

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

All Unbanked Households 9,875 100.0 2,768 28.0 3,963 40.1 363 3.7 2,036 20.6 746 7.6Household Family Type

Family household 5,905 100.0 1,835 31.1 2,481 42.0 252 4.3 972 16.5 364 6.2Female householder, no husband

present 2,971 100.0 990 33.3 1,189 40.0 167 5.6 476 16.0 149 5.0Male householder, no wife present 807 100.0 255 31.6 337 41.8 23 2.9 127 15.7 64 7.9Married couple 2,127 100.0 590 27.7 955 44.9 62 2.9 369 17.4 151 7.1

Nonfamily household 3,960 100.0 933 23.6 1,477 37.3 110 2.8 1,059 26.7 382 9.6Female householder 1,702 100.0 370 21.7 555 32.6 46 2.7 545 32.0 186 10.9Male householder 2,258 100.0 563 24.9 921 40.8 64 2.8 514 22.8 195 8.7


Black 3,430 100.0 960 28.0 1,349 39.3 167 4.9 639 18.6 315 9.2Hispanic non-Black 2,762 100.0 452 16.4 1,416 51.3 82 3.0 636 23.0 176 6.4Asian 134 100.0 3 2.3 45 33.7 - - 77 56.9 9 7.1American Indian/Alaskan 202 100.0 61 30.0 95 47.1 5 2.7 35 17.3 6 2.9Hawaiian/Pacific Islander 17 100.0 NA NA NA NA NA NA NA NA NA NAWhite non-Black non-Hispanic 3,330 100.0 1,287 38.6 1,057 31.7 108 3.2 646 19.4 232 7.0

Spanish is Only Language SpokenSpanish is not only language spoken 8,965 100.0 2,686 30.0 3,434 38.3 350 3.9 1,820 20.3 674 7.5Spanish is only language spoken 910 100.0 82 9.0 529 58.1 12 1.3 216 23.7 71 7.8

NativityU.S.-born 7,673 100.0 2,577 33.6 2,788 36.3 313 4.1 1,440 18.8 554 7.2Foreign-born citizen 453 100.0 49 10.7 155 34.1 12 2.6 192 42.5 46 10.1Foreign-born non citizen 1,750 100.0 143 8.2 1,020 58.3 37 2.1 403 23.1 146 8.3

Age Group15 to 24 years 1,094 100.0 264 24.1 519 47.4 36 3.3 211 19.3 64 5.825 to 34 years 2,587 100.0 837 32.3 1,093 42.3 116 4.5 388 15.0 153 5.935 to 44 years 1,994 100.0 653 32.8 808 40.5 98 4.9 317 15.9 118 5.945 to 54 years 2,002 100.0 619 30.9 727 36.3 57 2.8 419 20.9 179 9.055 to 64 years 1,202 100.0 306 25.5 468 38.9 38 3.2 257 21.4 133 11.165 years or more 997 100.0 89 8.9 348 34.9 17 1.7 444 44.5 99 9.9

EducationNo high school degree 3,696 100.0 805 21.8 1,614 43.7 122 3.3 914 24.7 241 6.5High school degree 3,764 100.0 1,145 30.4 1,487 39.5 163 4.3 648 17.2 321 8.5Some college 2,002 100.0 751 37.5 742 37.1 70 3.5 323 16.1 116 5.8College degree 413 100.0 67 16.3 120 29.0 8 1.9 151 36.5 67 16.3

Employment StatusEmployed 3,818 100.0 1,100 28.8 1,698 44.5 119 3.1 618 16.2 283 7.4Unemployed 1,525 100.0 563 36.9 572 37.5 85 5.6 236 15.5 68 4.5Not in labor force 4,532 100.0 1,105 24.4 1,692 37.3 158 3.5 1,182 26.1 394 8.7

Household IncomeLess than $15,000 5,510 100.0 1,583 28.7 2,167 39.3 212 3.8 1,193 21.7 355 6.4Between $15,000 and $30,000 2,581 100.0 743 28.8 1,064 41.2 84 3.3 455 17.6 234 9.1Between $30,000 and $50,000 1,221 100.0 308 25.2 497 40.7 45 3.7 277 22.7 95 7.8Between $50,000 and $75,000 431 100.0 105 24.4 190 44.1 18 4.1 72 16.7 46 10.7At Least $75,000 132 100.0 30 22.6 45 33.8 4 3.0 39 29.2 15 11.4

HomeownershipHomeowner 2,238 100.0 518 23.1 911 40.7 89 4.0 518 23.2 202 9.0Non-homeowner 7,637 100.0 2,250 29.5 3,052 40.0 273 3.6 1,518 19.9 544 7.1

Geographic RegionNortheast 1,537 100.0 357 23.2 673 43.8 37 2.4 376 24.5 94 6.1Midwest 1,920 100.0 561 29.2 727 37.9 79 4.1 385 20.0 169 8.8South 4,493 100.0 1,328 29.6 1,782 39.7 208 4.6 842 18.7 333 7.4West 1,925 100.0 523 27.2 780 40.5 39 2.0 433 22.5 150 7.8

Metropolitan StatusMetropolitan Area 8,029 100.0 2,194 27.3 3,257 40.6 279 3.5 1,647 20.5 652 8.1

Inside principal city 4,066 100.0 1,039 25.5 1,700 41.8 130 3.2 851 20.9 347 8.5Not inside principal city 2,754 100.0 810 29.4 1,079 39.2 93 3.4 528 19.2 244 8.9Not identified 1,209 100.0 345 28.6 478 39.5 56 4.6 269 22.2 61 5.1

Not in Metropolitan Area 1,764 100.0 551 31.2 680 38.5 78 4.4 370 21.0 85 4.8Not Identified 83 100.0 24 28.9 26 31.7 6 6.7 19 22.5 8 10.2



Table A-11 Underbanked Households’ Use of AFS Transaction and Credit Products by Demographic Characteristic


All Underbanked Households


products Transaction products only Credit products only UnknownHouseholds

(1,000s)Row Pct

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

All Underbanked Households 24,199 100.0 7,524 31.1 14,940 61.7 1,458 6.0 278 1.1Household Family Type

Family household 16,931 100.0 5,333 31.5 10,308 60.9 1,083 6.4 206 1.2Female householder, no husband

present 4,598 100.0 1,844 40.1 2,339 50.9 338 7.4 77 1.7Male householder, no wife present 1,662 100.0 590 35.5 938 56.4 110 6.6 23 1.4Married couple 10,671 100.0 2,899 27.2 7,032 65.9 635 6.0 106 1.0

Nonfamily household 7,239 100.0 2,184 30.2 4,608 63.7 375 5.2 72 1.0Female householder 3,359 100.0 952 28.3 2,205 65.6 163 4.9 39 1.2Male householder 3,880 100.0 1,232 31.8 2,404 61.9 212 5.5 33 0.8

Other 29 100.0 NA NA NA NA NA NA NA NARace and Ethnicity of Householder

Black 5,441 100.0 2,112 38.8 3,066 56.4 214 3.9 49 0.9Hispanic non-Black 3,927 100.0 979 24.9 2,666 67.9 224 5.7 58 1.5Asian 825 100.0 98 11.9 694 84.0 10 1.2 24 2.9American Indian/Alaskan 372 100.0 154 41.4 184 49.4 30 8.0 4 1.2Hawaiian/Pacific Islander 81 100.0 28 35.3 38 46.8 14 17.9 - -White non-Black non-Hispanic 13,551 100.0 4,149 30.6 8,293 61.2 966 7.1 143 1.1Other non-Black non-Hispanic 3 100.0 NA NA NA NA NA NA NA NA

Spanish is Only Language SpokenSpanish is not only language spoken 23,496 100.0 7,406 31.5 14,398 61.3 1,431 6.1 261 1.1Spanish is only language spoken 703 100.0 118 16.8 541 77.0 27 3.8 17 2.4

NativityU.S.-born 20,038 100.0 6,913 34.5 11,569 57.7 1,351 6.7 204 1.0Foreign-born citizen 1,880 100.0 245 13.0 1,570 83.5 38 2.0 28 1.5Foreign-born non citizen 2,282 100.0 366 16.0 1,801 78.9 69 3.0 46 2.0

Age Group15 to 24 years 1,955 100.0 617 31.6 1,211 61.9 106 5.4 21 1.125 to 34 years 4,993 100.0 1,832 36.7 2,774 55.6 340 6.8 47 0.935 to 44 years 4,918 100.0 1,812 36.8 2,675 54.4 361 7.4 69 1.445 to 54 years 5,336 100.0 1,677 31.4 3,252 60.9 342 6.4 65 1.255 to 64 years 4,064 100.0 1,066 26.2 2,775 68.3 176 4.3 47 1.265 years or more 2,933 100.0 520 17.7 2,252 76.8 133 4.5 28 0.9

Education 3,505 100.0 1,060 30.3 2,181 62.2 203 5.8 61 1.7No high school degreeHigh school degree 7,638 100.0 2,709 35.5 4,301 56.3 529 6.9 99 1.3Some college 7,676 100.0 2,734 35.6 4,329 56.4 553 7.2 60 0.8College degree 5,380 100.0 1,021 19.0 4,128 76.7 173 3.2 58 1.1

Employment StatusEmployed 15,515 100.0 4,686 30.2 9,731 62.7 912 5.9 185 1.2Unemployed 1,899 100.0 789 41.5 929 48.9 163 8.6 18 1.0Not in labor force 6,786 100.0 2,049 30.2 4,280 63.1 383 5.6 74 1.1

Household IncomeLess than $15,000 4,225 100.0 1,569 37.1 2,266 53.6 336 8.0 53 1.3Between $15,000 and $30,000 5,628 100.0 2,101 37.3 3,087 54.9 365 6.5 74 1.3Between $30,000 and $50,000 5,787 100.0 1,850 32.0 3,492 60.3 374 6.5 72 1.2Between $50,000 and $75,000 4,142 100.0 1,213 29.3 2,669 64.4 220 5.3 40 1.0At Least $75,000 4,418 100.0 791 17.9 3,425 77.5 163 3.7 39 0.9

HomeownershipHomeowner 12,590 100.0 3,136 24.9 8,626 68.5 700 5.6 127 1.0Non-homeowner 11,610 100.0 4,388 37.8 6,314 54.4 758 6.5 151 1.3

Geographic RegionNortheast 3,908 100.0 917 23.5 2,822 72.2 118 3.0 51 1.3Midwest 4,772 100.0 1,545 32.4 2,806 58.8 365 7.6 56 1.2South 10,429 100.0 3,429 32.9 6,233 59.8 652 6.3 116 1.1West 5,090 100.0 1,633 32.1 3,079 60.5 323 6.3 55 1.1

Metropolitan StatusMetropolitan Area 20,066 100.0 6,101 30.4 12,565 62.6 1,148 5.7 251 1.3

Inside principal city 7,485 100.0 2,319 31.0 4,720 63.1 343 4.6 103 1.4Not inside principal city 9,214 100.0 2,535 27.5 6,020 65.3 546 5.9 112 1.2Not identified 3,367 100.0 1,247 37.0 1,825 54.2 259 7.7 36 1.1

Not in metropolitan area 3,857 100.0 1,323 34.3 2,216 57.4 296 7.7 23 0.6Not Identified 276 100.0 100 36.1 159 57.5 14 5.0 4 1.4



Table A-12 Fully Banked Households’ Use of AFS Transaction and Credit Products by Demographic Characteristic



Types of AFS Ever UsedTransaction and Credit

Products Transaction Products Only Credit products only Never used AFSHouseholds

(1,000s)Row Pct

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

All Fully Banked Households 82,830 100.0 2,269 2.7 14,676 17.7 2,586 3.1 63,299 76.4Household Family Type

Family household 53,797 100.0 1,432 2.7 9,356 17.4 1,726 3.2 41,283 76.7Female householder, no husband

present 7,544 100.0 337 4.5 1,370 18.2 414 5.5 5,422 71.9Male householder, no wife present 3,006 100.0 115 3.8 517 17.2 155 5.1 2,219 73.8Married couple 43,247 100.0 979 2.3 7,469 17.3 1,157 2.7 33,642 77.8

Nonfamily household 28,978 100.0 834 2.9 5,306 18.3 854 2.9 21,983 75.9Female householder 15,868 100.0 402 2.5 2,801 17.7 406 2.6 12,258 77.2Male householder 13,110 100.0 432 3.3 2,505 19.1 448 3.4 9,725 74.2

Other 55 100.0 NA NA NA NA NA NA NA NARace and Ethnicity of Householder

Black 6,672 100.0 407 6.1 1,354 20.3 379 5.7 4,531 67.9Hispanic non-Black 6,677 100.0 169 2.5 1,027 15.4 238 3.6 5,243 78.5Asian 3,844 100.0 36 0.9 424 11.0 21 0.6 3,362 87.5American Indian/Alaskan 765 100.0 42 5.5 140 18.4 65 8.5 518 67.7Hawaiian/Pacific Islander 168 100.0 6 3.4 36 21.6 3 2.1 122 72.9White non-Black non-Hispanic 64,690 100.0 1,605 2.5 11,686 18.1 1,879 2.9 49,520 76.6Other non-Black non-Hispanic 14 100.0 NA NA NA NA NA NA NA NA

Spanish is Only Language SpokenSpanish is not only language spoken 82,018 100.0 2,266 2.8 14,531 17.7 2,571 3.1 62,649 76.4Spanish is only language spoken 812 100.0 3 0.3 145 17.8 15 1.8 650 80.0

NativityU.S.-born 73,435 100.0 2,185 3.0 13,411 18.3 2,460 3.3 55,378 75.4Foreign-born citizen 5,783 100.0 50 0.9 736 12.7 65 1.1 4,932 85.3Foreign-born non citizen 3,612 100.0 33 0.9 529 14.6 61 1.7 2,989 82.8

Age Group15 to 24 years 3,129 100.0 77 2.5 432 13.8 115 3.7 2,506 80.125 to 34 years 12,286 100.0 442 3.6 2,156 17.5 489 4.0 9,200 74.935 to 44 years 13,996 100.0 475 3.4 2,567 18.3 557 4.0 10,397 74.345 to 54 years 16,553 100.0 539 3.3 2,894 17.5 567 3.4 12,554 75.855 to 64 years 16,132 100.0 456 2.8 3,065 19.0 471 2.9 12,141 75.365 years or more 20,733 100.0 280 1.4 3,563 17.2 388 1.9 16,502 79.6

EducationNo high school degree 6,677 100.0 193 2.9 1,176 17.6 270 4.1 5,037 75.4High school degree 21,969 100.0 623 2.8 3,707 16.9 829 3.8 16,810 76.5Some college 23,388 100.0 888 3.8 4,325 18.5 989 4.2 17,186 73.5College degree 30,796 100.0 565 1.8 5,468 17.8 497 1.6 24,266 78.8

Employment StatusEmployed 51,294 100.0 1,389 2.7 9,261 18.1 1,645 3.2 39,000 76.0Unemployed 3,218 100.0 178 5.5 502 15.6 166 5.2 2,372 73.7Not in labor force 28,318 100.0 702 2.5 4,914 17.4 775 2.7 21,927 77.4

Household IncomeLess than $15,000 9,299 100.0 356 3.8 1,618 17.4 379 4.1 6,945 74.7Between $15,000 and $30,000 13,134 100.0 468 3.6 2,256 17.2 617 4.7 9,793 74.6Between $30,000 and $50,000 17,015 100.0 505 3.0 3,111 18.3 729 4.3 12,671 74.5Between $50,000 and $75,000 16,757 100.0 465 2.8 3,032 18.1 441 2.6 12,819 76.5At Least $75,000 26,624 100.0 474 1.8 4,658 17.5 421 1.6 21,071 79.1

HomeownershipHomeowner 61,833 100.0 1,306 2.1 10,950 17.7 1,548 2.5 48,030 77.7Non-homeowner 20,996 100.0 963 4.6 3,726 17.7 1,038 4.9 15,269 72.7

Geographic RegionNortheast 15,675 100.0 308 2.0 2,952 18.8 296 1.9 12,118 77.3Midwest 19,379 100.0 492 2.5 3,282 16.9 651 3.4 14,955 77.2South 28,772 100.0 869 3.0 5,281 18.4 1,016 3.5 21,604 75.1West 19,005 100.0 599 3.2 3,161 16.6 623 3.3 14,622 76.9

Metropolitan StatusMetropolitan Area 69,203 100.0 1,888 2.7 11,871 17.2 2,107 3.0 53,336 77.1

Inside principal city 21,111 100.0 624 3.0 3,591 17.0 707 3.3 16,189 76.7Not inside principal city 36,057 100.0 848 2.4 6,217 17.2 918 2.5 28,074 77.9Not identified 12,034 100.0 416 3.5 2,064 17.2 482 4.0 9,073 75.4

Not in Metropolitan Area 13,096 100.0 355 2.7 2,713 20.7 460 3.5 9,568 73.1Not Identified 531 100.0 25 4.8 92 17.3 19 3.6 395 74.3



Table A-13 Households’ Use of AFS Transaction and Credit Products in the Last Year by Demographic Characteristic


All Households

Type of AFS Used in the Last YearTransaction Products

Only Transaction and Credit Credit onlyDid Not Use Any AFS in

the Last Year UnknownHouseholds

(1,000s)Row Pct

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

Households (1,000s)

Row Pct

All Households 120,408 100.0 22,842 19.0 4,645 3.9 2,542 2.1 85,741 71.2 4,638 3.9Banking Status

Unbanked 9,875 100.0 4,521 45.8 1,387 14.0 271 2.7 2,911 29.5 786 8.0Underbanked 24,199 100.0 18,321 75.7 3,258 13.5 2,272 9.4 0 0.0 348 1.4Fully Banked 82,830 100.0 0 0.0 0 0.0 0 0.0 82,830 100.0 0 0.0Banked but Underbanked Status

Unknown 3,504 100.0 0 0.0 0 0.0 0 0.0 0 0.0 3,504 100.0Household Family Type


present 15,575 100.0 4,532 29.1 1,376 8.8 639 4.1 8,293 53.2 735 4.7Male householder, no wife present 5,661 100.0 1,529 27.0 501 8.9 169 3.0 3,188 56.3

New FDIC National Survey of Unbanked and Underbanked Households · 2017. 2. 4. · June 2013....

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Transcript of New FDIC National Survey of Unbanked and Underbanked Households · 2017. 2. 4. · June 2013....