Bank Account Ownership Statistics in United States (2026)
As of the 2024 data, 97% of adults in the United States had an account at a bank or similar financial institution, per World Bank Global Findex. Up from 95% in 2021 to 97% in 2024 (+2.1 percentage points). United States ranks #2 of 2 economies in North America on this measure, and #25 of 145 globally.
Key Statistics
- Latest value (2024)
- 97% (2024)
- Bank Account Ownership in the United States as of 2024, the most recent observation in World Bank Global Findex data.
- Change since 2021
- +2.1 pp (2024)
- Up from 95% in 2021 to 97% in 2024 (+2.1 percentage points).
- Earliest value in this dataset (2011)
- 88% (2011)
- Earliest observation in this dataset, which covers 1990 onward (the source series may begin earlier). Up from 88% in 2011 to 97% in 2024.
- Record high (2024)
- 97% (2024)
- The 2024 value is the highest in the available World Bank Global Findex series for the United States.
- Rank in North America
- #2 of 2 (2024)
- The United States ranks 2 of 2 countries in North America with data, based on each country's latest value.
- Global rank
- #25 of 145 (2024)
- The United States ranks 25 of 145 countries with data globally.
- North America average
- 97.7% (2024)
- The United States (97%) is below the average of 97.7% across the 2 countries in North America with data.
- Among women (2024)
- 97.1% (2024)
- Value for women in the United States, same 2024 World Bank Global Findex data.
- Among men (2024)
- 96.9% (2024)
- Value for men in the United States, same 2024 World Bank Global Findex data.
- Gender gap (women minus men)
- +0.2 pp (2024)
- In 2024, the figure was 97.1% for women and 96.9% for men — 0.2 percentage points higher among women.
- In rural areas (2024)
- 97.3% (2024)
- Value for rural residents of the United States in 2024.
- Rural gap vs national
- +0.3 pp (2024)
- Rural residents (97.3%) are 0.3 percentage points above the national figure (97%).
- Among the poorest 40% (2024)
- 95.6% (2024)
- Value for adults in the poorest 40% of households in the United States in 2024.
- Poorest-40% gap vs national
- −1.4 pp (2024)
- The poorest 40% (95.6%) are 1.4 percentage points below the national figure (97%).
- Internet use in the United States (2024)
- 94.7% (2024)
- 94.7% of the population in the United States used the internet in 2024 (World Bank); shown for context only.
- Population (2024)
- 340.1 million (2024)
- The United States had a population of 340.1 million in 2024 (World Bank); shown for scale only.
Trend, 2011–2024
| Year | % of adults (age 15+) | Change |
|---|---|---|
| 2024 | 97% | +2.1 pp |
| 2021 | 95% | +1.8 pp |
| 2017 | 93.1% | −0.5 pp |
| 2014 | 93.6% | +5.6 pp |
| 2011 | 88% | — |
Frequently asked questions
What share of adults in the United States had an account at a bank or similar financial institution?
97% of adults in the United States had an account at a bank or similar financial institution in 2024, according to World Bank Global Findex data.
How recent is the bank account ownership data for the United States?
The most recent observation is from 2024. World Bank Global Findex data is reported with a lag, so 2024 is the latest available year for the United States.
Where does the bank account ownership data for the United States come from?
The data comes from the World Bank Global Findex (indicator fiaccount.t.d). The latest observation for the United States is from 2024; the snapshot was retrieved on 2026-06-10.
How has bank account ownership in the United States changed over time?
World Bank Global Findex data show a rise from 88% in 2011 to 97% in 2024.
How does the United States compare with other countries in North America?
The United States ranks 2 of 2 countries in North America with data, with 97% versus a regional average of 97.7% (latest values per country).
Source & methodology
Source: World Bank Global Findex, indicator
fiaccount.t.d, retrieved .
Figures are shown exactly as published in the source dataset; only the change column of the trend table is computed from adjacent published values.Read more on the methodology page. All figures are estimates and projections; this is not financial advice.
Last updated .