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https://fortune.com/2016/09/08/unbanked-americans-fdic/ "last year" being 2015.But the survey also looked at “underbanked” households, which have a bank account but still elect to use services like check cashing, money transfers, payday loans, and pawnshops. Little has changed in those numbers, as the percentage of the underbanked was 19.9% last year compared to 20% in 2013, a modest 0.1% change.