US unbanked households reached a record low of 4.5% in 2021

The news: In 2021, the number of unbanked households in the US reached its lowest level since the Federal Deposit Insurance Corporation (FDIC) began conducting the biennial Survey of Unbanked and Underbanked Households.

Financial assistance was the key driver: The survey revealed that 4.5% (5.9 million) of US households didn’t have a checking or savings account in 2021. This percentage is the lowest number recorded since the survey first began in 2009.

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The study found that one of the main drivers behind this percentage was citizens opening accounts to receive financial assistance during the pandemic.

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