“Don’t trust banks” was cited by 16.1 percent of unbanked households as the main reason for not having an account-the second-most cited main reason.“Don’t have enough money to meet minimum balance requirements” was cited by 29.0 percent of unbanked households as the main reason for not having an account-the most cited main reason. About two-thirds of the decline in the unbanked rate between 20 was associated with improvements in the socioeconomic circumstances of U.S.households over this period.īetween 2011, when the unbanked rate peaked at 8.2 percent, and 2019, the unbanked rate fell by 2.8 percentage points, corresponding to an increase of approximately 3.7 million banked households. About half of the decline in the unbanked rate between 20 was associated with improvements in the socioeconomic circumstances of U.S.Between 20, the unbanked rate fell by 1.1 percentage points, corresponding to an increase of approximately
households that were unbanked (i.e., the unbanked rate) in 2019-5.4 percent-was the lowest since the survey began in 2009. households (approximately 124.2 million) were “banked” in 2019, meaning that at least one member of the household had a checking or savings account. households (approximately 7.1 million) were “unbanked” in 2019, meaning that no one in the household had a checking or savings account at a bank or credit union (i.e., bank). Key Findings from How America Banks: Household Use of Banking and Financial Services
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