FEDERAL DEPOSIT INSURANCE CORPORATION 2017 FDIC National Survey of Unbanked and Underbanked Households Appendix Tables ECONOMICINCLUSION.GOV I | 2017 FDIC National Survey of Unbanked and Underbanked Households | APPENDIX TABLES 2017 FDIC National Survey of Unbanked and Underbanked Households OCTOBER 2018 Members of the FDIC Unbanked/ Underbanked Survey Study Group Gerald Apaam Susan Burhouse Karyen Chu Keith Ernst Kathryn Fritzdixon Ryan Goodstein Alicia Lloro Charles Opoku Yazmin Osaki Dhruv Sharma Jeffrey Weinstein FEDERAL DEPOSIT INSURANCE CORPORATION Division of Depositor and Consumer Protection ECONOMICINCLUSION.GOV Appendix Table of Contents A. Banking Status of U.S. Households ..........................................................................................................................................1 B. Banked Households: Types of Accounts, Methods Used to Access Accounts, and Bank Branch Visits ...............................33 C. Prepaid Cards ..........................................................................................................................................................................69 D. Alternative Financial Services ..................................................................................................................................................81 E. Saving for Unexpected Expenses or Emergencies ................................................................................................................ 102 F. Credit .....................................................................................................................................................................................110 G. How Households Conduct Their Financial Transactions in a Typical Month .........................................................................134 H. Measuring Economic Inclusion ..............................................................................................................................................145 V List of Appendix Tables A. Banking Status of U.S. Households A.1 Banking Status by Household Characteristics, 2017 ...............................................................................................................1 A.2 Distribution of Households by Characteristics and Year, 2013-2017 .......................................................................................3 A.3 Unbanked Rates by Household Characteristics, 2013-2017 ...................................................................................................5 A.4 Underbanked Rates by Household Characteristics, 2013-2017 ..............................................................................................7 A.5 Fully Banked Rates by Household Characteristics, 2013-2017 ...............................................................................................9 A.6 Monthly Income Volatility by Level of Income, 2017 ..............................................................................................................11 A.7 Banking Status by State, 2017 ...............................................................................................................................................11 A.8 Unbanked Rates by State, 2013-2017 ...................................................................................................................................13 A.9 Underbanked Rates by State, 2013-2017 ..............................................................................................................................15 A.10 Fully Banked Rates by State, 2013-2017 .............................................................................................................................17 A.11 Banking Status by MSA, 2017 ..............................................................................................................................................19 A.12 Unbanked Rates by MSA, 2013-2017 ..................................................................................................................................21 A.13 Underbanked Rates by MSA, 2013-2017 .............................................................................................................................23 A.14 Fully Banked Rates by MSA, 2013-2017 ..............................................................................................................................25 A.15 Proportion of Unbanked Households Not at All Likely to Open an Account by Previous Banking Status and Household Characteristics, 2013-2017 ...................................................................................................................................................27 A.16 All Reasons Households Were Unbanked by Previous Banking Status, 2017 .....................................................................29 A.17 Main Reason Households Were Unbanked by Previous Banking Status, 2017 ...................................................................30 A.18 All Reasons Households Were Unbanked by Likelihood of Opening an Account, 2017 .....................................................31 A.19 Main Reason Households Were Unbanked by Likelihood of Opening an Account, 2017 ...................................................32 B. Banked Households: Types of Accounts, Methods Used to Access Accounts, and Bank Branch Visits B.1 Types of Accounts Owned by Banked Households, 2017 .....................................................................................................33 B.2 Savings Account Ownership Rates by Household Characteristics, Banked Households, 2013-2017 ..................................35 B.3 All Methods Used to Access Bank Accounts by Banking Status and Household Characteristics, 2017 ..............................37 B.4 Primary Method Used to Access Bank Accounts by Banking Status and Household Characteristics, 2017 .......................39 B.5 Bank Teller as Primary Method Used to Access Bank Accounts by Banking Status and Household Characteristics, 2013-2017 ..............................................................................................................................................................................42 B.6 ATM/Kiosk as Primary Method Used to Access Bank Accounts by Banking Status and Household Characteristics, 2013-2017 ..............................................................................................................................................................................44 B.7 Telephone Banking as Primary Method Used to Access Bank Accounts by Banking Status and Household Characteristics, 2013-2017 ..............................................................................................................................................................................46 B.8 Online Banking as Primary Method Used to Access Bank Accounts by Banking Status and Household Characteristics, 2013-2017 ..............................................................................................................................................................................48 B.9 Mobile Banking as Primary Method Used to Access Bank Accounts by Banking Status and Household Characteristics, 2013-2017 ..............................................................................................................................................................................50 VII B.10 Use of Bank Teller Only to Access Bank Accounts by Banking Status and Household Characteristics, 2013-2017 ..........52 B.11 Number of Bank Branch Visits Among Banked Households by Banking Status and Household Characteristics, 2017 ....54 B.12 Number of Bank Branch Visits Among Banked Households That Visited a Branch by Banking Status and Household Characteristics, 2017 ............................................................................................................................................................56 B.13 Number of Bank Branch Visits Among Unbanked Households by Previous Banking Status and Household Characteristics, 2017 ......................................................................................................................................................................................58 B.14 Mobile Activities Among Banked Households by Banking Status and Household Characteristics, 2017 ..........................60 B.15 Mobile Phone Access by Banking Status and Household Characteristics, 2013-2017 ......................................................63 B.16 Smartphone Access by Banking Status and Household Characteristics, 2013-2017 .........................................................65 B.17 Internet Access at Home by Banking Status and Household Characteristics, 2015-2017 ..................................................67 C. Prepaid Cards C.1 Prepaid Card Use by Banking Status and Household Characteristics, 2013-2017 ...............................................................69 C.2 Prepaid Card Use Among Unbanked Households by Previous Banking Status and Household Characteristics, 2013-2017 ..............................................................................................................................................................................71 C.3 Prepaid Card Use by State, 2013-2017 .................................................................................................................................73 C.4 Prepaid Card Use by MSA, 2013-2017 ..................................................................................................................................75