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95.8 percent of U.S. households – representing about 128.0 million households – were banked in 2023, meaning at least one member of the household had a checking or savings account at a bank.
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"Between 2011—when the unbanked rate was at its highest level since the survey began in 2009—and 2023, the unbanked rate fell by almost half, corresponding to an additional 5.3 million banked households in 2023."
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