FDIC National Survey of Unbanked and Underbanked Households

The FDIC National Survey of Unbanked and Underbanked Households is a key component of the FDIC’s efforts to comply with a Congressional mandate that the FDIC conduct biennial surveys to provide “a fair estimate of the size and worth of the unbanked market in the United States” and to answer additional related questions. The Financial Services Household Survey is the only nationally- and state-representative survey of this type for the United States. The Household Survey is scheduled to be conducted in partnership with the U.S. Census Bureau as a supplement to its June 2023 Current Population Survey (CPS). The survey collects information on U.S. households’ use of bank accounts, prepaid cards, nonbank online payment services and nonbank financial transaction services, and bank and nonbank credit. The results of this biennial survey will be published by the FDIC, and help inform policymakers, bankers, and researchers about bank account ownership and how households use the banking system and nonbank products and services to meet their financial needs.

The latest form for FDIC National Survey of Unbanked and Underbanked Households expires 2028-04-30 and can be found here.