JUNE 2021 UNBANKED AND UNDERBANKED SUPPLEMENT TO
THE CURRENT POPULATION SURVEY
INTRO May I please speak to someone who participates in making financial decisions in your
household?
(1-16)
(R) Refuse
(R) Refuse
PRESUP This month we are asking some additional questions about household finances.
B10 Which of the following best describes how adults in your household handle finances?
(1) Share all finances
(2) Share some finances
(3) Share no finances at all
(4) I AM THE ONLY ADULT IN THE HOUSEHOLD (VOLUNTEERED)
(D) Don?t Know
(R) Refuse
(2) Share some finances
(3) Share no finances at all
(4) I AM THE ONLY ADULT IN THE HOUSEHOLD (VOLUNTEERED)
(D) Don?t Know
(R) Refuse
B15 How much do you participate in making financial decisions for your household?
(1) A lot
(2) Some
(3) Not at all
(D) Don?t Know
(R) Refuse
(2) Some
(3) Not at all
(D) Don?t Know
(R) Refuse
Now I?m going to ask some questions about accounts that you (or anyone in your household) might
have at banks, including credit unions.
B20 Do you (or anyone else in your household) have a checking or savings account now?
8-2
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
BA10 In the past 12 months, did you (or anyone in your household) access an account in any of
the following ways?
BA10A Visiting a bank teller?
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
BA10B Using an ATM or bank kiosk?
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
BA10C Calling the bank?
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
BA10D Using an app, text messaging, or Internet browser on a mobile phone?
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
8-3
BA10E Using a computer or tablet?
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
BA10F Did you (or anyone in your household) access an account in any other way?
(1) Yes (Specify)
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
BA15 What was the most common way that you (or anyone in your household) accessed an
account? (Only answers marked in BA10A -- BA10F will be displayed. Mark only one.)
(1) Visiting a bank teller?
(2) Using an ATM or bank kiosk?
(3) Calling the bank?
(4) Using an app, text messaging, or Internet browser on a mobile phone?
(5) Using a computer tablet?
(6) Other (Specify)
(D) Don?t Know
(R) Refuse
(2) Using an ATM or bank kiosk?
(3) Calling the bank?
(4) Using an app, text messaging, or Internet browser on a mobile phone?
(5) Using a computer tablet?
(6) Other (Specify)
(D) Don?t Know
(R) Refuse
UB10 Have you (or anyone else in your household) ever had a bank account?
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
8-4
UB15 In the past 12 months, that is since June 2020, have you (or anyone in your household)
had a bank account?
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
UB50 How interested are you (or anyone in your household) in having a bank account?
(1) Very interested
(2) Somewhat interested
(3) Not very interested
(4) Not at all interested
(D) Don?t Know
(R) Refuse
(2) Somewhat interested
(3) Not very interested
(4) Not at all interested
(D) Don?t Know
(R) Refuse
UB55. There are different reasons people might not have a checking or savings account. Do any
of the following reasons apply to you (or others in your household)? Do you not have an
account?
UB55A2 Because bank locations are inconvenient?
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
UB55B1 Because bank account fees are too high?
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
8-5
UB55B2 Because bank account fees are too unpredictable?
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
UB55C Because banks do not offer products and services you need?
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
UB55D Because you don?t trust banks?
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
UB55E Because you don?t have enough money to meet minimum balance requirements?
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
UB55F Because avoiding a bank gives more privacy?
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
8-6
UB55G1 Because you don?t have the personal identification required to open an account?
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
UB55G2 Because you cannot open an account due to problems with past banking or credit
history?
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
UB55H Because of some other reason?
(1) Yes (Specify)
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
UB60 What is the main reason why no one in your household has an account? (Only answers
marked in UB55A2 -- UB55H will be displayed. Mark only one.)
(1) Bank locations are inconvenient
(2) Bank account fees are too high
(3) Bank account fees are too unpredictable
(4) Banks do not offer products and services you need
(5) Don?t trust banks
(6) Don?t have enough money to meet minimum balance requirements
(7) Avoiding a bank gives more privacy
(8) Don?t have the personal identification required to open an account
(9) Cannot open an account due to problems with past banking or credit history
(10) Some other reason (Specify)
(D) Don?t Know
(R) Refuse
(2) Bank account fees are too high
(3) Bank account fees are too unpredictable
(4) Banks do not offer products and services you need
(5) Don?t trust banks
(6) Don?t have enough money to meet minimum balance requirements
(7) Avoiding a bank gives more privacy
(8) Don?t have the personal identification required to open an account
(9) Cannot open an account due to problems with past banking or credit history
(10) Some other reason (Specify)
(D) Don?t Know
(R) Refuse
8-7
UB70 Even though you don?t currently have an account with a bank, in the past 12 months, have
you (or anyone else in your household) spoken with a teller or other employee in person at a bank
branch?
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
PSUSE10 Do you (or anyone else in your household) use any online payment services with an
account feature that allows you to receive and store money in the account? Examples are
PayPal, Venmo, or CashApp. I am not asking about Zelle.
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
PUSE10 Now I have a question about prepaid cards. Prepaid cards allow you or others, like
relatives, an employer, or a government agency, to load or reload funds that can later be spent.
Prepaid cards also allow you to withdraw cash from ATMs. I am not asking about gift cards or
debit cards linked to a checking account (or online payment service).
Do you (or anyone else in your household) use any prepaid cards now?
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
The next few questions are about how your household uses its accounts to handle its finances.
BUSE20 Think about the ways you (or others in your household) used your bank accounts in
the past 12 months. (I?m not asking about how you use online payment services like PayPal,
Venmo, or CashApp.) Did you use bank accounts to?
8-8
BUSE20A Build savings or keep money in a safe place?
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
BUSE20B Pay monthly bills like rent, mortgage, utilities, or childcare?
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
BUSE20C Receive money from work, retirement, or a government agency?
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
BUSE20D Send or receive money from family or friends?
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
BUSE20E Make purchases in person?
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
8-9
BUSE20F Make purchases online?
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
BUSE20G Are there any other ways you used bank accounts?
(1) Yes (Specify)
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
PSUS20 Think about the ways you (or others in your household) used your accounts with online
payment services like PayPal, Venmo, or CashApp in the past 12 months. Did you use those
accounts to?
PSUS20A Build savings or keep money in a safe place?
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
PSUS20B Pay monthly bills like rent, mortgage, utilities, or child care?
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
8-10
PSUS20C Receive money from work, retirement, or a government agency?
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
PSUS20D Send or receive money from family or friends?
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
PSUS20E Make purchases in person?
(1) Yes
(2) No
(D) Don?t know
(R) Refuse
(2) No
(D) Don?t know
(R) Refuse
PSUS20F Make purchases online?
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
PSUS20G Are there any other ways you used online payment services?
(1) Yes (Specify)
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
8-11
PSUS30 Thinking about your (household?s) accounts with online payment services like PayPal,
Venmo, or CashApp, are any of those accounts linked to a? (Mark all that apply.)
(1) Credit card
(2) Bank account (This is read only if B20 = 1)
(3) Prepaid card (This is read only if PUSE10=1)
(4) OTHER ACCOUNT (Specify) (VOLUNTEERED)
(5) NOT LINKED TO ANY ACCOUNTS (VOLUNTEERED)
(D) Don?t Know
(R) Refuse
(2) Bank account (This is read only if B20 = 1)
(3) Prepaid card (This is read only if PUSE10=1)
(4) OTHER ACCOUNT (Specify) (VOLUNTEERED)
(5) NOT LINKED TO ANY ACCOUNTS (VOLUNTEERED)
(D) Don?t Know
(R) Refuse
PUSE20 Think about the ways you (or others in your household) used your prepaid cards in the
past 12 months. Did you use prepaid cards to?
PUSE20A Build savings or keep money in a safe place?
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
PUSE20B Pay monthly bills like rent, mortgage, utilities, or childcare?
(1) Yes
(2) No
(D) Don?t know
(R) Refuse
(2) No
(D) Don?t know
(R) Refuse
PUSE20C Receive money from work, retirement, or a government agency?
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
PUSE20D Send or receive money from family or friends?
8-12
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
PUSE20E Make purchases in person?
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
PUSE20F Make purchases online?
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
PUSE20G Are there any other ways you used prepaid cards?
(1) Yes (Specify)
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
The next few questions are about other financial products or services that you might have used in
the past 12 months.
NBMO10 In the past 12 months, did you (or anyone in your household) go to some place other
than a bank to purchase a money order?
(1) Yes
(2) No
8-13
(D) Don?t Know
(R) Refuse
(2) No
8-13
(D) Don?t Know
(R) Refuse
NBM020 What were those money orders used for? To? (Mark all that apply.)
(1) Pay monthly bills like rent, mortgage, utilities, or childcare
(2) Send money to family or friends
(3) Make purchases
(4) Some other use (Specify)
(D) Don?t Know
(R) Refuse
(2) Send money to family or friends
(3) Make purchases
(4) Some other use (Specify)
(D) Don?t Know
(R) Refuse
NBMT10 In the past 12 months, did you (or anyone in your household) use money transfer
services from a company like Western Union, MoneyGram, Walmart Money Center, or Ria
Money Transfer? Do not include services from a bank (or online services such as PayPal,
Venmo, or CashApp).
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
NBMT20. What were those money transfer services used for? To? (Mark all that apply.)
(1) Pay monthly bills like rent, mortgage, utilities, or childcare
(2) Send or receive money from family or friends in the U.S.
(3) Send or receive money from family or friends outside the U.S.
(4) Some other use (Specify)
(D) Don?t Know
(R) Refuse
(2) Send or receive money from family or friends in the U.S.
(3) Send or receive money from family or friends outside the U.S.
(4) Some other use (Specify)
(D) Don?t Know
(R) Refuse
NBCC10 In the past 12 months, did you (or anyone in your household) go to some place other
than a bank to cash a check?
(1) Yes
(2) No
8-14
(D) Don?t Know
(R) Refuse
(2) No
8-14
(D) Don?t Know
(R) Refuse
NBCC20 Were any of those checks from work, retirement, or a government agency?
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
The next questions are about how people borrow money or purchase items on credit.
CNBPDL In the past 12 months, did you (or anyone in your household) take out a payday loan or payday advance from a provider other than a bank?
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
CNBPWN In the past 12 months, did you (or anyone in your household) pawn an item at a pawn
shop? Do not include selling an unwanted item to a pawn shop.
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
CNBTAX In the past 12 months, that is since June 2020, did you (or anyone in your household)
take out a tax refund anticipation loan? This is a way to receive your tax refund faster than the
IRS would provide it.
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
8-15
CNBATL Auto title loans use a car title to borrow money for a short period of time. They are
NOT loans used to purchase a car. In the past 12 months, did you (or anyone in your household)
take out an auto title loan?
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
CNBRTO Some stores allow people to rent to own items such as furniture or appliances. We do
not mean stores that offer installment plans or layaway plans. In the past 12 months, did you (or
anyone in your household) rent anything from a rent-to-own store because it couldn?t be
financed any other way?
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
CCC10 In the past 12 months, have you (or anyone in your household) had a credit card from
Visa, MasterCard, American Express, or Discover? Please do not include debit cards.
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
CPL10 In the past 12 months, have you (or anyone in your household) had a personal loan or line
of credit from a bank? Do not include student loans, or loans taken out to make major purchases
like a house or car.
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
8-16
CPL20 Thinking of the most recent personal loan or line of credit from a bank, about how much
was it for?
(1) $1,000 or less
(2) More than $1,000
(D) Don?t Know
(R) Refuse
(2) More than $1,000
(D) Don?t Know
(R) Refuse
CNBPL10 In the past 12 months, have you (or anyone in your household) had a personal loan or
line of credit from a company other than a bank? Do not include student loans, or loans taken out
to make major purchases like a house or car (or payday, pawn, or auto title loans).
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
CNBPL20 Thinking of the most recent loan or line of credit from a company other than a bank,
about how much was it for?
(1) $1,000 or less
(2) More than $1,000
(D) Don?t Know
(R) Refuse
(2) More than $1,000
(D) Don?t Know
(R) Refuse
The last few questions ask about things that might have happened since March 2020, when the
Coronavirus pandemic began widely affecting the U.S.
LE10 Was there ever a time since March of 2020 when you did not have (no one in your household had) a
bank account?
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
LE20 Did you (or others in your household) experience any of the following events since March
2020?
8-17
LE20A Lost or quit a job, furloughed, or reduced hours?
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
LE20B Started a new job?
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
LE20C Had a significant loss of income?
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
LE20D Had a significant increase in income?
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
LE20E Received a government benefit payment, for example unemployment benefits or a
Coronavirus stimulus payment?
(1) Yes
(2) No
(D) Don?t Know
(R) Refuse
(2) No
(D) Don?t Know
(R) Refuse
LE30 Earlier you mentioned that you (or someone else in your household) had a bank account in
the past. Did any of these events contribute to your bank accounts being closed since March 2020?
8-18
(Mark all that apply, but only the answers marked in LE20A and LE20C are to be read.)
(1) Lost or quit a job, furloughed, or reduced hours
(2) Had a significant loss of income
(D) Don?t Know
(R) Refuse
(2) Had a significant loss of income
(D) Don?t Know
(R) Refuse
LE40 Did any of these events contribute to a bank account being opened since March 2020?
(Mark all that apply, but only the answers marked in LE20B, LE20D and LE20E are to be read.)
(1) Started a new job
(2) Had a significant increase in income
(3) Received a government benefit payment, for example unemployment benefits or a
Coronavirus stimulus payment
(D) Don?t Know
(R) Refuse
(2) Had a significant increase in income
(3) Received a government benefit payment, for example unemployment benefits or a
Coronavirus stimulus payment
(D) Don?t Know
(R) Refuse