고객	How To Choose Payday Loans Near Me
고객 연락처	- -
주소	( - )
예약일
예약시간	하루종일 시 ~ 시
설치장소
관심제품 중복선택가능	블라인드 류
	커튼 류
방문시 요청사항	States as well as Metro Areas With the Most Unbanked Households Advertiser disclosure You're our first priority. Everytime. We believe everyone should be able to make sound financial decisions with confidence. While our website does not feature every business or financial product available in the marketplace We're pleased that the guidance we offer as well as the advice we offer and the tools we develop are independent, objective, straightforward -- and completely free. How do we earn money? Our partners compensate us. This can influence the products we write about (and the way they appear on our website), but it doesn't affect our advice or suggestions which are based on thousands of hours of research. Our partners do not be paid to ensure positive review of their services or products. . States in the United States and Metro Areas With the Most Unbanked Households by Laura McMullen Assistant Assigning Editor and news Laura McMullen assigns and edits financial news articles and content. She was previously a senior writer for NerdWallet and wrote about saving, making and budgeting money; she also contributed to the "Millennial Money" column for The Associated Press. Prior to joining NerdWallet in 2015, Laura was employed by U.S. News & World Report, where she wrote and edited articles on the health and wellness of students, careers and other topics and also contributed to the company's rankings projects. Before working at U.S. News & World Report, Laura interned at Vice Media and studied journalism, history and Arabic at Ohio University. Laura currently lives in Washington, D.C. Sep 28 Sep 28, 2016 Many or all of the products featured here are from our partners who pay us. This impacts the types of products we feature and where and how the product appears on a page. But this doesn't influence our evaluations. Our opinions are our own. Here's a list and . The benefits at the local bank extend beyond complimentary coffee and chocolate- they include things you may take for granted like cashing your checks at no cost and loans with reasonable interest rates. However, for more than 9.5 million households that are not banked in the U.S., these services come with a hefty price which NerdWallet found adds up to hundreds of dollars a year. In the U.S., 7.7% of households did not have a member who had a bank account as per the 2013 FDIC National Survey of Unbanked and Underbanked Households, the most up-to-date set of data available. It was a decrease from the 2011 version of the Federal Deposit Insurance Corp.'s biannual survey, and the figure fell to 7% in 2015, according to an overview of the most recent version, due to be released in October. Additional fees, missed benefits Although fewer families are forgoing banks, the ones who are miss out on the opportunity to build emergency funds, and secured credit cards that can assist in building credit. They're not able to take advantage of the full array of security against fraud offered by federally insured banks and credit unions have in addition to not having access to online or mobile banking tools which can save time and money. (Read NerdWallet's comprehensive coverage of national banks on the to learn more about options for unbanked consumers, including .) households that do not have an account with a bank also have to have to pay a lot of fees to expensive alternative financial-service providers. NerdWallet has compiled the cost of money orders, check cashing and debit cards that are prepaid. Unbanked households that use the prepaid debit card which allows direct deposit can pay an average annual amount for $196.50 in fees. On the other hand, those who are not banked and make use of a prepaid debit cards that does not allow direct deposit pay an annual average of $488.89 in fees. (See our full methodology for more details.) Unbanked households in the state and metro area We examined our $196.50 as well as the $488.89 figures in percentages of the state's 2013 average income for households who don't have accounts with banks that are according to FDIC data. Check out the map below to see the states where unbanked households are the most affected by fees using both the higher ($488.89) as well as the less ($196.50) estimates. You can also find out which states have the highest number of households with no bank account. The tables below show the percentage of unbanked households in 22 large metro areas and in all states, plus Washington, D.C. We determined that the price of not owning a bank account as a percentage of the average unbanked household income within the metro area, as provided by the FDIC. We excluded three major metro areas for which some data were unavailable: San Diego-Carlsbad-San Marcos, California; Sacramento-Arden-Arcade-Roseville, California; and San Antonio, Texas. Unbanked households by metro area UNBANKED HOUSEHOLDS BY state Ranking (most to least unbanked) State Percentage of all households that are unbanked Average unbanked household income Total unbanked expenses of all household households (lower estimate) Total unbanked costs for all households (higher estimate) Costs of unbanked expenses as a percentage of income (using the higher estimate) 1 Mississippi 14.5% $15,394.41 $31.08 million $79.82 million 3.18% 2 Louisiana 13.9% $20,104.15 $47.26 million $121.37 million 2.43% 3 Arizona 12.8% $20,300.92 $61.95 million $159.07 million 2.41% 4 Arkansas 12.3% $15,653.75 $29.08 million $74.68 million 3.12% 5 District of Columbia 11.8% $14,588.29 $7.46 million $19.15 million 3.35% 6 West Virginia 11.0% $18,592.82 $16.56 million $42.54 million 2.63% 7 New Mexico 10.9% $18,934.67 $17.78 million $45.67 million 2.58% 7 Georgia 10.9% $18,957.70 $81.64 million $209.64 million 2.58% 7 Oklahoma 10.9% $19,373.49 $32.56 million $83.61 million 2.52% 10 South Carolina 10.5% $19,724.50 $38.88 million $99.84 million 2.48% 11 Texas 10.4% $20,621.80 $191.63 million $492.07 million 2.37% 12 Kentucky 9.7% $15,417.32 $34.05 million $87.45 million 3.17% 12 Tennessee 9.7% $17,204.81 $48.51 million $124.58 million 2.84% 14 Alabama 9.2% $18,787.70 $36.03 million $92.52 million 2.60% 15 Missouri 8.9% $20,058.95 $42.11 million $108.12 million 2.44% 16 New York 8.5% $16,833.40 $125.19 million $321.47 million 2.90% 17 North Carolina 8.4% $17,177.65 $61.46 million $157.82 million 2.85% 18 New Jersey 8.2% $21,298.78 $51.25 million $131.61 million 2.30% 19 California 8.0% $22,211.31 $206.18 million $529.45 million 2.20% 20 Nevada 7.9% $19,047.68 $17.06 million $43.80 million 2.57% 21 Illinois 7.4% $21,036.78 $71.47 million $183.53 million 2.32% 22 Ohio 7.2% $18,777.16 $65.61 million $168.47 million 2.60% 22 Indiana 7.2% $22,675.18 $36.28 million $93.17 million 2.16% 24 Montana 6.6% $11,963.24 $5.35 million $13.74 million 4.09% 25 Virginia 6.5% $19,340.75 $39.67 million $101.88 million 2.53% 26 Colorado 6.4% $22,159.12 $25.84 million $66.36 million 2.21% 27 Rhode Island 6.2% $18,543.22 $5.12 million $13.15 million 2.64% 27 Florida 6.2% $19,376.05 $95.70 million $245.73 million 2.52% 29 Delaware 6.1% $22,921.16 $4.33 million $11.12 million 2.13% 30 Kansas 6.0% $21,820.97 $13.49 million $34.64 million 2.24% 31 Massachusetts 5.8% $22,086.69 $29.38 million $75.45 million 2.21% 32 Nebraska 5.7% $15,622.98 $8.47 million $21.76 million 3.13% 32 Michigan 5.7% $19,127.41 $42.44 million $108.99 million 2.56% 34 Connecticut 5.6% $21,036.57 $15.37 million $39.48 million 2.32% 34 Wyoming 5.6% $24,067.11 $2.65 million $6.82 million 2.03% 36 Idaho 5.4% $17,444.44 $6.39 million $16.42 million 2.80% 37 Pennsylvania 5.2% $17,820.47 $52.14 million $133.90 million 2.74% 38 Wisconsin 4.8% $16,495.70 $21.75 million $55.85 million 2.96% 38 Maryland 4.8% $24,470.06 $20.81 million $53.43 million 2.00% 40 Oregon 4.5% $16,345.12 $13.62 million $34.98 million 2.99% 40 Iowa 4.5% $18,571.62 $10.83 million $27.81 million 2.63% 42 South Dakota 4.2% $16,040.68 $2.67 million $6.86 million 3.05% 43 Washington 4.1% $17,048.35 $21.07 million $54.10 million 2.87% 44 Hawaii 3.8% $21,096.90 $3.41 million $8.77 million 2.32% 45 Minnesota 3.6% $16,228.27 $14.92 million $38.31 million 3.01% 46 Utah 3.3% $21,617.24 $6.11 million $15.68 million 2.26% 47 Vermont 3.1% $22,553.77 $1.59 million $4.08 million 2.17% 48 New Hampshire 2.9% $26,653.71 $3.00 million $7.71 million 1.83% 49 North Dakota 2.8% $22,645.30 $1.58 million $4.06 million 2.16% 50 Maine 2.4% $14,906.68 $2.57 million $6.59 million 3.28% 51 Alaska 1.9% $21,299.66 $1,002,022.57 $2,573,028.07 2.30% The most important takeaways 1. The percentage of households without a bank account is significantly higher for low-income households. Nationally, 7.7% of households didn't have a bank account in 2013, but this rate was significantly higher for households with low incomes. Around 20percent of families with incomes of less than $30k were not banked, while 24% were not banked that is, they have at least one savings account or but had utilized at least one other financial service in the past year. These types of services include cashing checks or money orders, as well as payday loans. More than one third (35.6%) of the households without bank accounts surveyed in the FDIC report said the main reason they didn't have an account was that they don't have enough money to maintain an account or to meet the required minimum balance. (Note that many do not require minimum balances.) Other common reasons included the distrust or dislike of banks and high or unpredictable account fees. The nationwide correlation between unbanked and low-income households translates to the state level. Seven of the 10 states with the highest proportions of nonbanked residents are among the 10 states that have low median incomes for households, in the latest U.S. Census American Community Survey. With the exception of Washington, D.C., the nine states with the highest concentration of households that were not banked had household incomes less than the median of the 2013 U.S. median of $52,250. 2. The financial burden of not having a bank are particularly affecting households with low incomes: Income among households without accounts with banks is especially low. The average income after tax of households that were not banked across the U.S. was $17,359, and was lowest in Montana at $11,963. Keep in mind that households with no bank accounts who make use of a prepaid debit cards that does not direct deposit, are charged an average of $488.89 in fees per year. In Montana the amount would be up to 4% of the average income of a household that is not banked. For context, the average U.S. household spent about 3.5 percent of their income after tax on fuel or motor oil during the year 2015, in accordance with the U.S. Bureau of Labor Statistics. For Washington, D.C., the disparity in earnings between unbanked and banked households is staggering. The average 2013 income for fully banked households in D.C. was $55,032, but that was only $14,588 for households that didn't have having a bank account. This figure isn't going to get much further in a country where housing options for those with low incomes are shrinking. According to an D.C. Fiscal Policy report 2013 there were only half the number of Washington apartments renting for less than $800 per month than they had in 2002. The report states that "subsidized housing is now the only source of inexpensive apartments." 3. Local unbanked demographics reflect the national trend: According to the FDIC One-fifth of households with black names (20.5%) in the U.S. in 2013 were unbanked, followed closely by Hispanic (17.9%) as well as American Indian/Alaskan household (16.9%). Only 2.2% of Asian households were unbanked this was a lower percentage than white (3.6 percent) and Pacific Islander and Hawaiian (6.1%) households. The areas that have the highest percentage of households without bank accounts reflect the national demographics. In No. 12 Tennessee in addition to No. 2 Louisiana, each state's biggest city is home to a large percentage of black residents, with Memphis at 63 percent as well as New Orleans at 59.8%. Phoenix is the top city on our list of metros that are not banked is home to a substantial Hispanic population, as does Albuquerque which is the largest metropolis located in New Mexico, which tied with seventh place among states. Two states with the highest percentages of unbanked populations, New Mexico and Oklahoma are home to American Indian populations nearly 10 times the size of those in the U.S. as a whole. 4. Access to only in-person and online banking hurts it to open a bank account when there aren't any branches near where you reside. More than half of ZIP code in the middle of South region are "bank deserts" that is, they've the same or fewer banks, as per the Mississippi-based Hope Policy Institute, which examines the financial inclusion. In the institute's analysis, the mid-South comprises Mississippi, Louisiana and Arkansas where there are some of the highest proportions of unbanked households. This region includes the western part of Tennessee, home to Memphis, where nearly one-fifth (19.5%) of households don't have a bank account. Brick-and-mortar stores are especially crucial for those who are unable to connect to banks online. Certain Memphis residents have difficulties with both methods. According to the U.S. Census Bureau's 2013 American Community Survey, 27.7 percent of Memphis households didn't have access to the internet, compared with 21.4 percent across the country. The number of people without internet access is high in New Orleans, too, with 27.4%. Sreekar Jasthi is a data analyst at NerdWallet, a personal finance site. Email: . Laura McMullen is a staff writer at NerdWallet. Email: . Twitter: . Methodology Concentrations of income and households that are not banked To calculate the median income for unbanked households nationwide and in each state we utilized data from the . To decide which metropolitan areas to examine, we first chose those 25 from the FDIC report with the highest number of households. We omitted San Diego-Carlsbad-San Marcos, California; Sacramento-Arden-Arcade-Roseville, California; and San Antonio, Texas, because of insufficient income data. Figures for the percentage of households that are not banked across each state or metro region are also taken from the FDIC report. Charges that are incurred when you're not a banker We found a range from $196.50 to $488.89 in charges for an typical household that is not banked, by adding in the fees associated with cash checking or money orders, as well as prepaid debit cards. The price of these charges will depend on the extent to which the prepaid debit cards allow direct deposit. To calculate the cost of check cashing for households that are not banked and use debit cards prepaid without direct deposit or for those with cash only we assumed two pay checks cashable per month and a cost that is 1% of a check's total value. For households that use prepaid debit cards with direct deposit we added no cash for checks. For both household types we assumed that there would be one money payment per month, with an average fee of $1.40. To calculate the average check cashing and money-order fees, we analyzed the FDIC's data on how often alternative financial services utilized by the households of different types (banked or non-banked) Then we used the lower frequency of use by households that are banked to the average costs. To determine the average annual cost of prepaid debit cards we evaluated 69 cards with the help of the major issuers, their high-traffic searches volume including Pew Charitable Trust's as well as the card offerings listed on 's and 's websites. For cards that offer different plans We counted every plan as a distinct card. The study covers the annual cost of an prepaid debit card direct deposit and without direct deposit for payroll. The median monthly cost used was $4.98, and the median out-of-network ATM fee used was $2.50. We used the maximum fee for cash loading of $4.95. With no directly depositing, we had twelve monthly fees as well as four ATM fees per month , and two cash loading fees per month. Signature-based and PIN-based purchase transaction fees aren't usually applicable to cards with monthly fees, so we excluded them. Upcoming FDIC survey A preview of the 2015. FDIC National Survey of Unbanked as well as Underbanked Households, scheduled to be released in full on October. 20, 2016, revealed that the number of households without a bank account is now 7%, or about 8.6 millions of households. NerdWallet's analysis is based on the most recent full set of data available. About the author: Laura McMullen writes about managing the money of NerdWallet. Her writing has been featured in The Associated Press, The New York Times, The Washington Post and many other outlets. In a similar vein... Find a better savings account Check out NerdWallet's recommendations for the most high-yielding savings accounts on the internet. Dive even deeper in Banking Get more smart money moves delivered straight to your inbox Join us and we'll send you Nerdy posts on the financial topics you care about the most as well as other strategies to help you make more value from your money. If you have any sort of questions relating to where and ways to make use of Payday Loans Near Me (loangw.site), you can call us at our own web-page.