Explore the map to see where underbanked communities are located, which products and services they are using, and where there may be opportunities to serve them better.

FDIC Data Map: Get information on  underbanked and unbanked households by state and metropolitan area.

“Instant payment opportunity zones” are states (in blue below) with above-median underbanked rates and high usage rates for money orders or online money transfer services*. These services offer features such as speed and/or trust that instant payment solutions aim to provide at lower cost.

Finding #1: Survey Respondents Cited Money Orders As Their Most Frequently Used Alternative Financial Service

Money orders were the type of alternative financial service most used by survey participants. That was followed by retail non-bank bill pay and earned wage access, which gives employees access to money they’ve earned before their traditional pay day.