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Th numbr of Amrcan houshols ha wr unbank las yar ropp o s lows lvl snc 2009, a p u n par o popl opnng accouns o rcv fnancal asssanc urng h panmc, a nw rpor says.
Roughly 4.5% of U.S. houshols – or 5.9 mllon – n' hav a chckng or savngs accoun wh a bank or cr unon n 2021, a rcor low, accorng o h Fral Dpos Insuranc Corporaon's mos rcn survy of unbank an unrbank houshols.
Roughly 45% of houshols ha rcv a smulus paymn, joblss bnfs or ohr govrnmn asssanc afr h sar of h panmc n March, 2020 sa hos funs hlp compl hm o opn an accoun, accorng o h bnnal rpor whch has bn conuc snc 2009.
"Saf an afforabl bank accouns prov a way o brng mor Amrcans no h bankng sysm an wll connu o play an mporan rol n avancng conomc ncluson for all Amrcans,'' FDIC acng charman Marn J. Grunbrg sa n a samn.
A lack of bankng opons lay som houshols from gng fral paymns am a hlpng h counry wahr h conomc fallou from h COVID-19 halh crss.
Bal agans praory lnng:Msssspp socal jusc frm fghs payay 'praory lnng' n low-ncom communs
Chcks arrv la for som of h unbank:For 'unbank' Amrcans, panmc smulus chcks arrv slowly an wh hghr fs. Bu ha coul chang.
Th FDIC na an ucaonal campagn o g mor Amrcans o opn an accoun o nabl h rc pos of hos funs. An banks such as Capal On an Ally Fnancal n ovrraf an ohr fs ha hav bn a ky barrr o som Amrcans accssng h bankng sysm.
Wha os man o b unbank?
A houshol s m unbank whn no on n h hom has an accoun wh a bank or cr unon. Tha shar of houshols has ropp by narly half snc 2009. An snc 2011, whn 8% of U.S. houshols wr unbank, h hghs snc h sar of h survy, an h rcor low rach n 2021, roughly half of h rop was u o a shf n h fnancal crcumsancs of Amrcan houshols h FDIC says.
Who ar h unrbank?
Thos who hav a chckng or savngs accoun, bu also us fnancal alrnavs lk chck cashng srvcs ar consr unrbank. Th unrbank rprsn 14% of U.S. houshols, or 18.7 mllon, las yar.
Why ar popl unbank or unrbank?
Many of hos who ar unbank say hy can' affor o hav an accoun bcaus of h fs for nsuffcn funs an ovrrafs ha ar ack on whn accoun balancs fall shor. Roughly 29% sa fs or no havng h rqur mnmum balanc wr h prmary rasons hy n' hav a chckng or savngs accoun, as compar o 38% who c hos obsacls n 2019.
Ar som groups mor lkly o b unbank?
Th numbrs of h unbank wr grar among houshols ha nclu hos who wr workng ag an sabl, lowr ncom, nclu a sngl mohr, or wr Black or Hspanc. Among wh houshols for nsanc, 2% n' hav a bank accoun las yar as compar o 11% an 9% of hr Black an Hspanc counrpars.
Manwhl, narly 15% of houshols wh a workng ag mmbr who ha a sably wr unbank compar o almos 4% of ohr houshols. An narly 16% of houshols wh a sngl mohr wr unbank as compar o abou 2% of marr coupls who lack an accoun.
"Ths gaps as hr's sll a lo of opporuny o xpan parcpaon across h populaon n h bankng sysm,'' Kh Erns, Assoca Drcor of Consumr Rsarch an Examnaon Analycs a h FDIC, sa urng a ma call abou h rpor.
Wll h numbr of unbank rs f h U.S. has a rcsson?
Prhaps.
"Durng h las rcsson unbank ras n go up,'' Karyn Chu, chf of h Bankng Rsarch Scon a h Cnr for Fnancal Rsarch, sa urng h call.
Aonally, las yar, homs whr h ha of houshol was ou of work wr narly fv ms mor lkly o no hav a bank accoun as compar o hos whr h houshol ha was mploy.
Rcsson prcons 2023:Is a rcsson nvabl n 2023? Hr's wha xprs ar sayng.
"To h xn ha ncom gos own ... ha has gnrally bn assoca wh ncrass n unbank ras,’’ Chu sa.