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Variable Question text Label
ABPADOPTERAUTOMATIC BILL PAYMENT ADOPTER
ABPEVEREVER AUTOMATIC BILL PAYMENT
ATMADOPTERATM CARD ADOPTER
ATMEVERATM CARD EVER
ATMONLYADOPTERATM CARD ONLY ADOPTER
ATMONLYEVERATM CARD ONLY EVER
BAADOPTERBAADOPTER
BAEVERBAEVER
CCADOPTERCREDIT CARD ADOPTER
CCEVERCREDIT CARD EVER
CHKADOPTERCHKADOPTER
CHKEVERCHKEVER
CPADOPTERCELL PHONE ADOPTER
CPEVEREVER CELL PHONE
DCADOPTERDEBIT CARD ADOPTER
DCEVERDEBIT CARD EVER
FLPA004
FLPA011fill for pa011
FLPA021fill for pa021 answercategories
FLPA022fill for pa022 answercategories
FLPA027fill for pa027 answercategories
FLPA031
FLPA056_a
FLPA073_3
FLPA108_2
FLPA108_atm
FLPA108_debit
FLPA126_bPA126 FILL
FLPrimaryAccount_Linklink to primary account info
FLPrimaryAccount_Link_Caplink to primary account info
FLSecondaryAccount_Linklink to primary account info
FLSecondaryAccount_Link_Caplink to primary account info
GPRADOPTERGENERAL PREPAID CARD ADOPTER
MBADOPTERMOBILE BANKING ADOPTER
MBEVEREVER MOBILE BANKING
MMADOPTERMONEY MARKET ADOPTER
MMCADOPTERMMCADOPTER
MMEVERHAD EVER MONEY MARKET ACCOUNT
MOADOPTERMONEY ORDER ADOPTER
MOEVERMONEY ORDER EVER
NEWOBOnline banking is a method of accessing a bank account via the website of a bank, to perform such actions as viewing account balances, making transfers between accounts, or paying bills electronically.

In order to set up access to your bank’s online banking website, you usually have to set up a username, password, site key, or PIN.

Have you ever set up access to online banking?
EVER SET UP ACCESS TO ONLINE BANKING
NEWOBBPYou can use your bank’s website to make electronic payments from your bank account to a merchant, company, government, or private individual.

To do so, you would need to set up online bill pay by entering the name, address, and account number of the company or person to whom you are paying a bill.

Have you ever set up online bill pay at your bank’s website?
EVER SET UP ONLINE BANKING BILL PAYMENT
NEWSAVHave you ever had a savings account?EVER HAD SAVINGS ACCOUNT
NEWTBTelephone banking is when you access your account by calling a phone number that your bank has provided. You interact with the system using either voice commands, your phone’s numeric keypad, or speaking with a live customer service representative.

To set up access to telephone banking, you may need to create a password or PIN.

Have you ever set up access to telephone banking?
EVER SET UP ACCESS TO TELEPHONE BANKING
NUMBERCARDSNUMBER OF CARDS
OBADOPTERONLINE BANKING ADOPTER
OBBPADOPTERONLINE BANKING BILL PAYMENT ADOPTER
OBBPEVERHAD EVER ONLINE BANKING BILL PAYMENT
OBEVERHAD EVER ONLINE BANKING
PA001_aNumber of ^FLCheckingAccountsLink_lower:HOW MANY BANK ACCOUNTS CHECKING
PA001_bNumber of ^FLSavingsAccountsLink2_lower:
  • Include only traditional accounts (passbook or statement), money market accounts (but not other mutual funds),
    education accounts (Coverdell or 529), and Christmas Clubs or other account designated for saving purpose (e.g., vacation).
HOW MANY BANK ACCOUNTS SAVINGS
PA001_d1PayPalPAYPAL ACCOUNT
PA001_d2Google WalletGOOGLE WALLET
PA001_d3Amazon PaymentsAMAZON PAYMENTS
PA001_d4Other (please specify): ~PA001_d4_otherOTHER NON-BANKING
PA001_d4_otherOTHER NON-BANKING TXT
PA001_d5Facebook MessengerFACEBOOK MESSENGER
PA001_d6Apple PayAPPLE PAY
PA001_d7ITunesITUNES
PA001_d8Android PayANDROID PAY
PA001_d9SquareSQUARE
PA001_d10StripeSTRIPE
PA001_d11LoopPayLOOPPAY
PA001_d12VenmoVENMO
PA001_d13LevelUpLEVELUP
PA001_d14DashDASH
PA001_d15PopMoneyPOPMONEY
PA001_d16StarBucks AppSTARBUCKS APP
PA001_eDo you have any of the following mobile apps or online accounts?

  • Android Pay
  • Apple Pay
  • Samsung Pay
  • Square Cash
  • Dash
  • Facebook Messenger
  • iTunes
  • LevelUp
  • LoopPay
  • PopMoney
  • Stripe
  • Venmo
mobile apps or online accounts
PA001_fWhich one of these mobile apps or online accounts do you have?

  • Check all that apply.
Android Pay
PA002Please choose the most important reason why you don't have a checking account.WHY NO CHECKING ACCOUNT
PA002_otherWHY NO CHECKING ACCOUNT TXT
PA003Have you ever had a checking account?EVER HAD CHECKING ACCOUNT
PA004_aINTEREST RATE ON PRIMARY CHECKING ACCOUNT
PA004_bINTEREST RATE ON SECONDARY CHECKING ACCOUNT
PA005Overdraft protection is a service that your bank provides to deposit extra money into your checking account when you make a transaction that exceeds your account balance. It may help you reduce or avoid fees for insufficient funds by transferring money to your checking account from:

  • A savings account
  • A credit card
  • A loan or overdraft insurance

Does your checking account have overdraft protection?
OVERDRAFT PROTECTION
PA006_aChecking Accounts

At what type of financial institution is your ^FLPA006 ^FLCheckingAccountLink_lower? ^FLPA006_2
WHAT KIND OF FINANCIAL INSTITUTION IS PRIMARY CHECKING
PA006_a_otherWHAT KIND OF BANK IS PRIMARY CHECKING OTHER
PA006_bAt what type of financial institution is your secondary ^FLCheckingAccountLink_lower? WHAT KIND OF FINANCIAL INSTITUTION IS SECONDARY CHECKING
PA006_b_otherWHAT KIND OF BANK IS PRIMARY CHECKING OTHER
PA007Savings Accounts

At what type of financial institution is your ^FLPA007 savings account? ^FLPA007_2
WHAT KIND OF FINANCIAL INSTITUTION IS PRIMARY SAVINGS
PA007_aWhat interest rate do you earn on the balance in your^FLPA007 savings account?

  • Include money market accounts if that is your^FLPA007 savings account
  • Please choose “0%” if you do not earn interest.
INTEREST RATE ON PRIMARY SAVINGS ACCOUNT
PA007_bChecking and savings accounts can be linked by your bank to make transferring money between accounts easier.

Is your^FLPA007 savings account linked to your primary^FLPA007_3 checking ^FLPA007_4?
PRIMARY SAVINGS LINKED TO CHECKING
PA008_a1^FLPA008HOW MANY DEBIT CARDS
PA008_a2^FLSecondaryATMAccount_Link_CapHOW MANY DEBIT CARDS SECONDARY
PA008_a3All other accountsHOW MANY DEBIT CARDS OTHER
PA008_b1^FLPA008HOW MANY ATM CARDS
PA008_b2^FLSecondaryATMAccount_Link_CapHOW MANY ATM CARDS SECONDARY
PA008_b3All other accountsHOW MANY ATM CARDS OTHER
PA008_headers_a
PA008_headers_b
PA009^FL_PA009 Have you ever had an ATM card?EVER HAD ATM CARD
PA010^FL_PA010 Have you ever had a debit card?EVER HAD DEBIT CARD
PA011_a^FLPrimaryAccount_Link_Cap DEBIT CARDS GIVE REWARDS
PA011_b^FLSecondaryAccount_Link_CapSECONDARY DEBIT CARDS GIVE REWARDS
PA011_cOther checking accountsOTHER DEBIT CARDS GIVE REWARDS
PA012Telephone banking
  • You can talk with a teller or use your phone keypad or voice commands.
SET UP TELEPHONE BANKING
PA013Online banking
  • You have set up a username and password so you can conduct transactions at your bank's website.
SET UP ONLINE BANKING
PA014Paying bills via online banking

You can use your bank’s website to make electronic payments from your bank account to a merchant, company, government, or private individual.

To do so, you would need to set up online bill pay by entering the name, address, and account number of the company or person to whom you are paying a bill.

Have you set up online bill pay at your bank’s website?
SET UP ONLINE BANKING BILL PAYMENT
PA015_a... in your wallet, purse, and/or pocket.HOW MUCH MONEY DAY TO DAY TRANSACTIONS
PA015_b...stored elsewhere in your home, car, office, etc.HOW MUCH MONEY SAVINGS SAFETY EMERGENCIES
PA015_cYou said you have $^pa015_b in cash stored elsewhere.

About how much of that are you holding for cash payments (either for planned spending or emergencies)?
HOW MUCH MONEY NEXT 7 DAYS SAVINGS SAFETY EMERGENCIES
PA015_dYou said you have $^pa015_b in cash stored elsewhere.

About how much of that have you set aside for long-term savings?
HOW MUCH MONEY FOR LONG TERM SAVINGS
PA015_randomRANDOM PA015_C, PA015_D
PA016When you get cash, where do you get it most often?WHY NO CHECKING ACCOUNT
PA016_orderPA016 ORDER
PA016_otherWHERE CASH MOST OFTEN OTHER
PA017_aWhen you get ^FLCashLink_lower from ^PA017_fill2[PA016], what amount do you get most often?

  • Please round to the nearest dollar.
  • If you never get cash, please enter 0.
WHAT AMOUNT MOST OFTEN WHEN GET CASH
PA017_bWhen you get ^FLCashLink_lower from all other sources besides ^PA017_fill2[PA016], what amount do you get most often?

  • Please round to the nearest dollar.
  • If you never get cash from other sources, please enter 0.
WHAT AMOUNT MOST OFTEN WHEN GET CASH ALL OTHER SOURCES
PA018_a1HOW OFTEN GET CASH TIMES PER WEEK
PA018_a2HOW OFTEN GET CASH TIMES PER WEEK OTHER SOURCES
PA018_b1HOW OFTEN GET CASH TIMES PER MONTH
PA018_b2HOW OFTEN GET CASH TIMES PER MONTH OTHER SOURCES
PA018_c1HOW OFTEN GET CASH TIMES PER YEAR
PA018_c2HOW OFTEN GET CASH TIMES PER YEAR OTHER SOURCES
PA019_aVisa credit cardsVisa credit cards
PA019_bCompany or store branded credit cards
  • Do not have logos from Visa, MasterCard, Discover or American Express.
  • Examples include Sears card or Exxon card.
  • These cards can only be used at the merchant labeled on the card.
Company or store branded credit cards
PA019_cAmerican Express charge cards
  • These cards must be paid off at the end of each billing period
American Express charge cards
PA019_dAmerican Express credit cards
  • These cards can carry a balance from one billing period to the next
American Express credit cards
PA019_eDiners Club or other charge cardsDiners Club or other charge cards
PA019_fMasterCard credit cardsMasterCard credit cards
PA019_gDiscover credit cardsDiscover credit cards
PA020Have you ever had a credit card or charge card?EVER HAD ANY CREDIT CARD
PA021Please choose the most important reason why you don’t have a debit card. WHY NO DEBIT CARDS
PA021_orderorder of PA021 answer categories
PA021_otherOTHER WHY NO DEBIT CARDS
PA022Please choose the most important reason why you don’t have an ATM card.WHY NO ATM CARDS
PA022_orderorder of PA022 answer categories
PA022_otherOTHER WHY NO ATM CARDS
PA024An automatic bill payment is a payment set up to occur on a regularly scheduled basis, typically monthly. Once set up, they do not require any additional effort on the consumer’s part.

Automatic bill payments can be made using a:
  • Bank account deduction
  • Debit card
  • Credit card
  • Prepaid card
  • Direct payment from your income

Do you have any automatic bill payments set up to occur this month?
SET UP AUTOMATIC BILL PAYMENT
PA025Have you ever had an automatic bill payment set up in the past?EVER HAD AUTOMATIC BILL PAYMENT
PA026_aMobile banking
  • You have downloaded your bank’s mobile app onto your phone or tablet.
SET UP MOBILE BANKING
PA027Please choose the most important reason why you don’t have a credit card. WHY NO CREDIT CARD
PA027_orderorder of PA027 answer categories
PA027_otherOTHER WHY NO CREDIT CARD
PA031Do you have any blank, unused checks?BLANK UNUSED CHECKS
PA032In person banking, visiting a bank branch to speak to a teller or other bank employeeIn person banking, visiting a bank branch to speak to a teller or other bank employee
PA033_aTelephone banking, using a voice call on a mobile or landline phoneTelephone banking, using a voice call on a mobile or landline phone
PA033_bOnline banking, using a desktop computer, laptop, or tabletOnline banking, using a desktop computer, laptop, or tablet
PA033_cOnline banking, using a mobile phone's web browserOnline banking, using a mobile phone's web browser
PA033_eOnline banking, using a mobile banking appOnline banking, using a mobile banking app
PA034If you are given a choice while completing a debit card purchase, do you prefer to enter your PIN or give your signature?PIN OR SIGNATURE
PA035Have you written a paper check to make a payment in the past 12 months?WRITTEN A PAPER CHECK
PA040_aMoney order
  • A type of payment that can be purchased from a bank or other institution and allows the individual named on the order to receive a specified amount of cash on demand.
USED MONEY ORDER IN PAST 12 MONTHS
PA040_bTravelers check
  • A piece of paper that is similar to a check but works like cash and is protected against loss or theft. Traveler's checks are purchased in advance and issued for a specific amount of money.
USED TRAVELERS CHECK IN PAST 12 MONTHS
PA040_cCashier’s check
  • A type of check written by a bank and made payable to a third party payee. The bank customer purchases the check for full face value plus a small fee for the check service.
USED CASHIERS CHECK IN PAST 12 MONTHS
PA040_dA certified check is a type of personal check you write where the bank guarantees the payee that there is enough cash available in the payer’s account.

In the past 12 months, have you used a certified check, even once?
USED CERTIFIED CHECK IN PAST 12 MONTHS
PA041Have you ever used a money order, even once?USED MONEY ORDER EVER
PA041_CHave you ever used a cashier's check, even once?USED CASHIER CHECK EVER
PA041_bHave you ever used a travelers check, even once?USED TRAVELERS CHECK EVER
PA044_aIn the past 12 months, have you used Paypal to make a purchase or pay another person?MADE NON BANKING PAYMENT IN PAST 12 MONTHS
PA044_bIn the past 12 months, have you used Google Wallet to make a purchase or pay another person?MADE GOOGLE PAYMENT IN PAST 12 MONTHS
PA044_cIn the past 12 months, have you used Amazon Payments to make a purchase or pay another person?MADE AMAZON PAYMENT IN PAST 12 MONTHS
PA045Some payments can be made by sending a text message.

Examples of these types of payments include making donations to the Red Cross, or using PayPal via text messages.

Have you made a text message payment in the past 12 months?
PAYMENT VIA TEXT MESSAGE
PA045_aVia your bankPAYMENT VIA BANK
PA045_bUsing a non-bank payment service such as PayPalPAYMENT VIA NONBANK
PA045_cAuthorize your mobile phone company to pay for youauthorize mobile phone company
PA047_aAbout how much money do you have in your PayPal account? HOW MUCH IN PAYPAL ACCOUNT
PA047_bAbout how much money do you have in your Google Wallet account? HOW MUCH IN GOOGLE WALLET ACCOUNT
PA047_cAbout how much money do you have in your Amazon Payments account? HOW MUCH IN AMAZON ACCOUNT
PA048_a1Credit card CREDIT CARD PAYPAL FUNDED
PA048_a2Credit card CREDIT CARD GOOGLE FUNDED
PA048_a3Credit card CREDIT CARD AMAZON FUNDED
PA048_b1Debit cardDEBIT CARD PAYPAL FUNDED
PA048_b2Debit cardDEBIT CARD GOOGLE FUNDED
PA048_b3Debit cardDEBIT CARD AMAZON FUNDED
PA048_c1Bank accountBANK ACCOUNT PAYPAL FUNDED
PA048_c2Bank accountBANK ACCOUNT GOOGLE FUNDED
PA048_c3Bank accountBANK ACCOUNT AMAZON FUNDED
PA048_d1Money stored with PaypalPAYMENT SERVICE PAYPAL FUNDED
PA048_d2Money stored with Google WalletPAYMENT SERVICE GOOGLE FUNDED
PA048_d3Money stored with Amazon PaymentsPAYMENT SERVICE AMAZON FUNDED
PA048_e1Some other methodOTHER PAYPAL FUNDED
PA048_e2Some other methodOTHER GOOGLE FUNDED
PA048_e3Some other methodOTHER AMAZON FUNDED
PA048_otherOTHER HOW NON BANKING FUNDED
PA049In person banking, using an ATMIn person banking, using an ATM
PA050In the past 12 months, have you used cash to make a payment, even once?USED CASH TO MAKE PAYMENT
PA051_aYou told us you have ^PA054_a Visa cards. How many of these are branded with a logo of a company, store, or gas station?visa store cards
PA051_a_old^PA051_fill[permPA051_1]PA051 1
PA051_bYou told us you have ^PA054_f MasterCard cards. How many of these are branded with a logo of a company, store, or gas station?MasterCard store cards
PA051_b_old^PA051_fill[permPA051_2]PA051 2
PA051_cYou told us you have ^PA054_g Discover cards. How many of these are branded with a logo of a company, store, or gas station?Discover store cards
PA051_c_old^PA051_fill[permPA051_3]PA051 3
PA051_dYou told us you have ^PA054_c American Express charge cards. How many of these are branded with a logo of a company, store, or gas station?American Express charge store cards
PA051_d_old^PA051_fill[permPA051_4]PA051 4
PA051_eYou told us you have ^PA054_d American Express credit cards. How many of these are branded with a logo of a company, store, or gas station?American Express credit store cards
PA051_e_old^PA051_fill[permPA051_5]PA051 5
PA051_g_old^PA051_fill[permPA051_6]PA051 6
PA051_h_old^PA051_fill[permPA051_7]PA051 7
PA052_aVisa credit cardsVisa credit cards
PA052_bMasterCard credit cardsMasterCard credit cards
PA052_cDiscover credit cardsDiscover credit cards
PA052_dAmerican Express charge cardsAmerican Express charge cards
PA052_eAmerican Express credit cardsAmerican Express credit cards
PA053Credit cards allow you to carry a balance from month to month.

Charge cards must be paid in full at the end of each billing cycle.

  • If you are married or living with a partner, please report only your cards.
  • Do not include cards held...
    • ...only by your spouse or partner
    • ...for business purposes only
Do you have any credit cards or charge cards?
HAVE ANY CREDIT CARD
PA054_aVisa credit cardsVisa credit cards
PA054_a1Visa credit cardsVisa credit cards
PA054_a2Visa credit cardsVisa credit cards without rewards
PA054_bCompany or store branded credit cards, without a Visa or MasterCard logoCompany or store branded credit cards
PA054_b1Company or store branded credit cardsCompany or store branded credit cards
PA054_b2Company or store branded credit cardsCompany or store branded credit cards without rewards
PA054_cAmerican Express charge cardsAmerican Express charge cards
PA054_c1American Express charge cardsAmerican Express charge cards
PA054_c2American Express charge cardsAmerican Express charge cards without rewards
PA054_cardsNUMBER OF CARDS
PA054_dAmerican Express credit cardsAmerican Express credit cards
PA054_d1American Express credit cardsAmerican Express credit cards
PA054_d2American Express credit cardsAmerican Express credit cards without rewards
PA054_eDiners Club or other charge cardsDiners Club or other charge cards
PA054_e1Diners Club or other charge cardsDiners Club or other charge cards
PA054_e2Diners Club or other charge cardsDiners Club or other charge cards without rewards
PA054_fMasterCard credit cardsMasterCard credit cards
PA054_f1MasterCard credit cardsMasterCard credit cards
PA054_f2MasterCard credit cardsMasterCard credit cards without rewards
PA054_gDiscover credit cardsDiscover credit cards
PA054_g1Discover credit cardsDiscover credit cards
PA054_g2Discover credit cardsDiscover credit cards without rewards
PA054_headers
PA054_headers_2
PA054_zYou told us that you have a credit card, but the number of credit cards you own is ^FLPA054.

If you would like to go back and enter your number of credit cards, please use the “Back” button below. Otherwise, please help us understand by telling us in the box below.
NO CREDIT CARDS
PA054a_maxmax
PA054b_maxmax
PA054c_maxmax
PA054d_maxmax
PA054e_maxmax
PA054f_maxmax
PA054g_maxmax
PA055_a1Money orderuse money order or cashiers check
PA055_a2Check cashing usecheck cashing
PA055_a3^FLRemittanceuse remittance
PA055_b1Payday loanuse payday loan
PA055_b2Selling an item at a pawn shopuse selling an item at a pawn shop
PA055_b3Rent-to-own servicesuse rent-to-own services
PA055_b4Tax refund anticipation loanuse tax refund anticipation loan
PA055_b5Auto title loanuse auto title loan
PA056_aSome credit cards give rewards for using the card for purchases or payments. Examples of rewards include frequent flier miles, cash back, or points that can be spent on merchandise.

^FLPA056_a
TYPE OF CREDIT CARD
PA057_aPlease help us classify your credit cards.

Which card has the highest balance?
CARD HIGHEST BALANCE
PA057_bWhich card do you use most often to make payments?CARD USED MOST FOR PAYMENTS
PA057_cWhich card do you use next most often to make payments?CARD USED NEXT MOST FOR PAYMENTS
PA057_dWhich card do you spend the most on each month?CARD SPENT MOST EACH MONTH
PA058_aWhat is the credit limit on your credit card?

  • If you don’t know the exact amount, please give your best estimate.
LIMIT ON CREDIT CARD
PA058_bYour primary credit card is the card which you use most often to make payments.

Is your primary credit card also your credit card with the highest balance?
PRIMARY ALSO HIGHEST BALANCE
PA058_cWhat is the credit limit on your primary credit card?

  • If you don’t know the exact amount, please give your best estimate.
LIMIT ON CREDIT CARD
PA058_dWhat is the credit limit on your credit card with the highest balance?

  • If you don’t know the exact amount, please give your best estimate.
LIMIT ON HIGHEST BALANCE CREDIT CARD
PA058_eWhat is the credit limit on your credit card which you use most often to make payments?

  • If you don’t know the exact amount, please give your best estimate.
LIMIT ON MOST USED CREDIT CARD
PA059Which of these non-bank or other financial services did you use?

  • Check all that apply.
^FLPA059[1]
PA073_aChecking Accounts

About how much money do you have in your ^FLPA073?
CHECKING ACCOUNT BALANCE
PA073_bSECONDARY CHECKING ACCOUNT BALANCE
PA075_a^FLPA075_2JOINT CHECKING ACCOUNT
PA075_b^FLSecondaryAccount_Link_CapJOINT SECONDARY CHECKING ACCOUNT
PA076_a^FLPA076INTEREST CHECKING ACCOUNT
PA076_b^FLSecondaryAccount_Link_CapINTEREST SECONDARY CHECKING ACCOUNT
PA079_a^FLPA079OVERDRAFT PROTECTION CHECKING ACCOUNT
PA079_b^FLSecondaryAccount_Link_CapOVERDRAFT PROTECTION SECONDARY CHECKING ACCOUNT
PA080_aJOINT WITH CHECKING ACCOUNT
PA080_a_otherOTHER JOINT WITH CHECKING ACCOUNT
PA080_bJOINT WITH SECONDARY CHECKING ACCOUNT
PA080_b_otherOTHER JOINT WITH SECONDARY CHECKING ACCOUNT
PA085_aAVERAGE CHECKING ACCOUNT BALANCE
PA085_bAVERAGE SECONDARY CHECKING ACCOUNT BALANCE
PA086_aRANGE CHECKING ACCOUNT BALANCE
PA086_bRANGE SECONDARY CHECKING ACCOUNT BALANCE
PA103Have you ever had a prepaid card?EVER HAD PREPAID CARD
PA108_aYou reported that you have ^pa008_a1 debit card(s) and ^pa008_b1 ATM card(s) for your ^FLPA108_2 checking account.

Most people only have one card per checking account. This is usually either a debit card or an ATM card.

Please help us understand why you reported that you have more than one card for your ^FLPA108_2 checking account.
SAME DEBIT AS ATM CARD
PA108_a_otherOTHER SAME DEBIT AS ATM CARD
PA108_bYou reported that you have ^pa008_a2 debit card(s) and ^pa008_b2 ATM card(s) for your secondary checking account.

Most people only have one card per checking account. This is usually either a debit card or an ATM card.

Please help us understand why you reported that you have more than one card for your secondary checking account.
TOO MANY DEBIT CARDS
PA108_b_otherOTHER TOO MANY DEBIT CARDS
PA108_cYou told us that you have ^PA008_a_sum debit ^FLPA108_debit and ^pa008_b_sum ATM ^FLPA108_atm and ^pa001_a checking ^FLPA108_2. Please help us understand why you have more cards than accounts.TOO MANY CARDS
PA109Please choose the most important reason why you don’t have any automatic bill payments set up.WHY NO AUTOMATIC PAYMENT
PA109_fillPa109 FILL
PA109_orderPA109 ORDER
PA109_otherOTHER WHY NO AUTOMATIC PAYMENT
PA120_aVirtual or digital currencies exist online and are different from U.S. dollars ($), the euro (€), or other official foreign currencies. They are sometimes called cryptocurrencies.

Have you heard of Bitcoin?
HEARD BITCOIN
PA120_b1RippleHEARD RIPPLE
PA120_b2LitecoinHEARD LITECOIN
PA120_b3DashHEARD DASH
PA120_b4StellarHEARD STELLAR
PA120_b5DogecoinHEARD DOGECOIN
PA120_b6EthereumEthereum
PA120_cHave you heard of any other virtual currencies not listed above? HEARD OTHER
PA120_c_otherOTHER VIRTUAL COIN
PA121_aBitcoinOWN BITCOIN
PA121_bRippleOWN RIPPLE
PA121_cLitecoinOWN LITECOIN
PA121_dDashOWN DASH
PA121_eStellarOWN STELLAR
PA121_fDogecoinOWN DOGECOIN
PA121_gEthereumOWN Ethereum
PA121_hNxtOWN NXT
PA121_iBanxSharesOWN BANXSHARES
PA121_jPeerCoinOWN PEERCOIN
PA121_kMaidSafeCoinOWN MAIDSAFECOIN
PA121_lNameCoinOWN NAMECOIN
PA121_mBytecoinOWN BYTECOIN
PA121_nMoneroOWN MONERO
PA121_oBlackCoinOWN BLACKCOIN
PA122_aBitcoinEVER OWN BITCOIN
PA122_bRippleEVER OWN RIPPLE
PA122_cLitecoinEVER OWN LITECOIN
PA122_dDashEVER OWN DASH
PA122_eStellarEVER OWN STELLAR
PA122_fDogecoinEVER OWN DOGECOIN
PA122_gEthereumEVER OWN Ethereum
PA122_hNxtEVER OWN NXT
PA122_iBanxSharesEVER OWN BANXSHARES
PA122_jPeerCoinEVER OWN PEERCOIN
PA122_kMaidSafeCoinEVER OWN MAIDSAFECOIN
PA122_lNameCoinEVER OWN NAMECOIN
PA122_mBytecoinEVER OWN BYTECOIN
PA122_nMoneroEVER OWN MONERO
PA122_oBlackCoinEVER OWN BLACKCOIN
PA123_a_USBitcoinHOW MUCH BITCOIN IN US
PA123_a_numberBitcoinHOW MUCH BITCOIN
PA123_a_number_nopointBitcoinHOW MUCH BITCOIN
PA123_b_USRippleHOW MUCH RIPPLE IN US
PA123_b_numberRippleHOW MUCH RIPPLE
PA123_b_number_nopointOther virtual currenciesHOW MUCH OTHER VIRTUAL CURRENCIES
PA123_c_USLitecoinHOW MUCH LITECOIN IN US
PA123_c_numberLitecoinHOW MUCH LITECOIN
PA123_d_USDashHOW MUCH DASH IN US
PA123_d_numberDashHOW MUCH DASH
PA123_e_USStellarHOW MUCH STELLAR IN US
PA123_e_numberStellarHOW MUCH STELLAR
PA123_f_USDogecoinHOW MUCH DOGECOIN IN US
PA123_f_numberDogecoinHOW MUCH DOGECOIN
PA123_g_USEthereumHOW MUCH Ethereum IN US
PA123_g_numberEthereumHOW MUCH Ethereum
PA123_h_USNxtHOW MUCH NXT IN US
PA123_h_numberNxtHOW MUCH NXT
PA123_i_USBanxSharesHOW MUCH BANXSHARES IN US
PA123_i_numberBanxSharesHOW MUCH BANXSHARES
PA123_j_USPeerCoinHOW MUCH PEERCOIN IN US
PA123_j_numberPeerCoinHOW MUCH PEERCOIN
PA123_k_USMaidSafeCoinHOW MUCH MAIDSAFECOIN IN US
PA123_k_numberMaidSafeCoinHOW MUCH MAIDSAFECOIN
PA123_l_USNameCoinHOW MUCH NAMECOIN IN US
PA123_l_numberNameCoinHOW MUCH NAMECOIN
PA123_m_USBytecoinHOW MUCH BYTECOIN IN US
PA123_m_numberBytecoinHOW MUCH BYTECOIN
PA123_n_USMoneroHOW MUCH MONERO IN US
PA123_n_numberMoneroHOW MUCH MONERO
PA123_o_USBlackCoinHOW MUCH BLACKCOIN IN US
PA123_o_numberBlackCoinHOW MUCH BLACKCOIN
PA123_otherPlease tell us why you did not answer both the “Number of coins” and “Equivalent value in U.S. dollars” for the following rows:

    ^FLPA123[1] ^FLPA123[2] ^FLPA123[3] ^FLPA123[4] ^FLPA123[5] ^FLPA123[6]
WHY NOT ANSWERED BOTH NUMBER AND VALUE
PA123_tableheaders
PA124_aBitcoinUSED BITCOIN IN TRANSACTION
PA124_bRippleUSED RIPPLE IN TRANSACTION
PA124_cLitecoinUSED LITECOIN IN TRANSACTION
PA124_dDashUSED DASH IN TRANSACTION
PA124_eStellarUSED STELLAR IN TRANSACTION
PA124_fDogecoinUSED DOGECOIN IN TRANSACTION
PA124_gEthereumUSED Ethereum IN TRANSACTION
PA124_hNxtUSED NXT IN TRANSACTION
PA124_iBanxSharesUSED BANXSHARES IN TRANSACTION
PA124_jPeerCoinUSED PEERCOIN IN TRANSACTION
PA124_kMaidSafeCoinUSED MAIDSAFECOIN IN TRANSACTION
PA124_lNameCoinUSED NAMECOIN IN TRANSACTION
PA124_mBytecoinUSED BYTECOIN IN TRANSACTION
PA124_nMoneroUSED MONERO IN TRANSACTION
PA124_oBlackCoinUSED BLACKCOIN IN TRANSACTION
PA125What is the main reason that you do not own any virtual currency?WHY NO VIRTUAL CURRENCY
PA125_orderPA125 ORDER
PA125_otherOTHER WHY NO VIRTUAL CURRENCY
PA126_aPlease tell us your primary reason for owning virtual currency.PRIMARY REASON VIRTUAL CURRENCY
PA126_a_otherOTHER PRIMARY REASON VIRTUAL CURRENCY
PA126_bPlease tell us your secondary reason for owning virtual currency.SECONDARY REASON VIRTUAL CURRENCY
PA126_b_otherOTHER SECONDARY REASON VIRTUAL CURRENCY
PA126_orderPA126 ORDER
PA127_aBitcoinBITCOIN 12 MONTHS NO TRANSACTIONS
PA127_bRippleRIPPLE 12 MONTHS NO TRANSACTIONS
PA127_cLitecoinLITECOIN 12 MONTHS NO TRANSACTIONS
PA127_dDashDASH 12 MONTHS NO TRANSACTIONS
PA127_eStellarSTELLAR 12 MONTHS NO TRANSACTIONS
PA127_fDogecoinDOGECOIN 12 MONTHS NO TRANSACTIONS
PA127_gEthereumEthereum 12 MONTHS NO TRANSACTIONS
PA127_hNxtNXT 12 MONTHS NO TRANSACTIONS
PA127_headers
PA127_iBanxSharesBANXSHARES 12 MONTHS NO TRANSACTIONS
PA127_jPeerCoinPEERCOIN 12 MONTHS NO TRANSACTIONS
PA127_kMaidSafeCoinMAIDSAFECOIN 12 MONTHS NO TRANSACTIONS
PA127_lNameCoinNAMECOIN 12 MONTHS NO TRANSACTIONS
PA127_mByteCoinBYTECOIN 12 MONTHS NO TRANSACTIONS
PA127_nMoneroMONERO 12 MONTHS NO TRANSACTIONS
PA127_oBlackCoinBLACKCOIN 12 MONTHS NO TRANSACTIONS
PA128_aBitcoinUSED IN PAST 30 DAYS BITCOIN IN TRANSACTION
PA128_bRippleUSED IN PAST 30 DAYS RIPPLE IN TRANSACTION
PA128_cLitecoinUSED IN PAST 30 DAYS LITECOIN IN TRANSACTION
PA128_dDashUSED IN PAST 30 DAYS DASH IN TRANSACTION
PA128_eStellarUSED IN PAST 30 DAYS STELLAR IN TRANSACTION
PA128_fDogecoinUSED IN PAST 30 DAYS DOGECOIN IN TRANSACTION
PA128_gEthereumUSED IN PAST 30 DAYS Ethereum IN TRANSACTION
PA128_hNxtUSED IN PAST 30 DAYS NXT IN TRANSACTION
PA128_iBanxSharesUSED IN PAST 30 DAYS BANXSHARES IN TRANSACTION
PA128_jPeerCoinUSED IN PAST 30 DAYS PEERCOIN IN TRANSACTION
PA128_kMaidSafeCoinUSED IN PAST 30 DAYS MAIDSAFECOIN IN TRANSACTION
PA128_lNameCoinUSED IN PAST 30 DAYS NAMECOIN IN TRANSACTION
PA128_mBytecoinUSED IN PAST 30 DAYS BYTECOIN IN TRANSACTION
PA128_nMoneroUSED IN PAST 30 DAYS MONERO IN TRANSACTION
PA128_oBlackCoinUSED IN PAST 30 DAYS BLACKCOIN IN TRANSACTION
PA129_aHave you ever used virtual currency to pay a merchant (store, company, or other business)?USED VIRTUAL CURRENCY TO PAY MERCHANT
PA129_bHave you ever used virtual currency to pay a person (somebody who is not a merchant)?USED VIRTUAL CURRENCY TO PAY NON-MERCHANT
PA129_c1PAID MERCHANT ONE
PA129_c2PAID MERCHANT TWO
PA129_c3PAID MERCHANT THREE
PA129_dHave you ever used virtual currency to exchange from one currency to another?USED VIRTUAL CURRENCY TO EXCHANGE
PA130_aNext weekBITCOIN VALUE CHANGE NEXT WEEK
PA130_bNext monthBITCOIN VALUE CHANGE NEXT MONTH
PA130_cNext yearBITCOIN VALUE CHANGE NEXT YEAR
PA131aHow familiar are you with Bitcoin and how it works?HOW FAMILIAR WITH WORKING BITCOIN
PA132_aBitcoinLAST 30 days BITCOIN
PA132_bRippleLAST 30 days Ripple
PA132_cLitecoinLAST 30 days Litecoin
PA132_dDashLAST 30 days Dash
PA132_fDogecoinLAST 30 days Dogecoin
PA132_gEthereumLAST 30 days Ethereum
PA133_aBitcoinLAST 12 days BITCOIN
PA133_bRippleLAST 12 days Ripple
PA133_cLitecoinLAST 12 days Litecoin
PA133_dDashLAST 12 days Dash
PA133_fDogecoinLAST 12 days Dogecoin
PA133_gEthereumLAST 12 days Ethereum
PA134_aBitcoinpast 30 days BITCOIN number of exchanges
PA134_bRipplepast 30 days Ripple number of exchanges
PA134_cLitecoinpast 30 days Litecoin number of exchanges
PA134_dDashpast 30 days Dash number of exchanges
PA134_fDogecoinpast 30 days Dogecoin number of exchanges
PA134_gEthereumpast 30 days Ethereum number of exchanges
PA134_tableheaders
PA135_aBitcoinpast 12 months BITCOIN number of exchanges
PA135_bRipplepast 12 months Ripple number of exchanges
PA135_cLitecoinpast 12 months Litecoin number of exchanges
PA135_dDashpast 12 months Dash number of exchanges
PA135_fDogecoinpast 12 months Dogecoin number of exchanges
PA135_gEthereumpast 12 months Ethereum number of exchanges
PA139Did you have to refer to records or websites to know the number of coins or the equivalent value in U.S. dollars?USED RECORDS OR WEB SITES
PA140_aBitcoinBITCOIN 30 DAYS NO TRANSACTIONS
PA140_bRippleRIPPLE 30 DAYS NO TRANSACTIONS
PA140_cLitecoinLITECOIN 30 DAYS NO TRANSACTIONS
PA140_dDashDASH 30 DAYS NO TRANSACTIONS
PA140_eStellarSTELLAR 30 DAYS NO TRANSACTIONS
PA140_fDogecoinDOGECOIN 30 DAYS NO TRANSACTIONS
PA140_gEthereumEthereum 30 DAYS NO TRANSACTIONS
PA140_hNxtNXT 30 DAYS NO TRANSACTIONS
PA140_iBanxSharesBANXSHARES 30 DAYS NO TRANSACTIONS
PA140_jPeerCoinPEERCOIN 30 DAYS NO TRANSACTIONS
PA140_kMaidSafeCoinMAIDSAFECOIN 30 DAYS NO TRANSACTIONS
PA140_lNameCoinNAMECOIN 30 DAYS NO TRANSACTIONS
PA140_mByteCoinBYTECOIN 30 DAYS NO TRANSACTIONS
PA140_nMoneroMONERO 30 DAYS NO TRANSACTIONS
PA140_oBlackCoinBLACKCOIN 30 DAYS NO TRANSACTIONS
PA188When you pay with your mobile phone, what payment method do you use most often?

  • If you are using a service like PayPal or Apple Pay, tell us about the payment method which those services use.
WHAT PHONE PAYMENT METHOD MOST USED
PA188_otherOTHER WHAT PHONE PAYMENT METHOD MOST USED
PA189_aI used tap and pay at the point of saleTAP PHONE FOR PAYMENT
PA189_bI scanned a QR code or showed my phone to a clerk, driver, or restaurant staff at the point of saleSCANNED CODE FOR PAYMENT
PA189_cI used a mobile app to pay.MOBILE APP FOR PAYMENT
PA192Do you use any phone apps which are funded by buying a prepaid card and entering the number on the card into your app?

Examples of these types of apps include Starbucks, Dunkin Donuts, Fandango, iTunes, and Amazon.
USE ANY PHONE APPS
PA193How is the electronic toll payment device that you use most often funded?HOW FUNDED TOLL PAY
PA193_otherOTHER HOW FUNDED TOLL PAY
PA194Some devices allow drivers to pay tolls without stopping at a toll booth. These devices are often mounted on the inside windshield of the vehicle.

Examples of these devices include E-ZPass, SunPass, TxTAG, and Fastrak.

In the past 12 months, have you used one of these electronic toll payment devices to pay a toll?
USED DEVICE FOR TOLL PAY
PA195Please choose the most important reason why you don’t have a general purpose prepaid card.WHY NO GENERAL PURPOSE PREPAID CARD
PA195_otherOTHER WHY NO GENERAL PURPOSE PREPAID CARD
PA198_aGift card from a store, merchant, or website (examples: Home Depot, Target, Starbucks, ITunes)Gift card from a store, merchant, or website
PA198_bOther general purpose prepaid card that has a logo from Visa, MasterCard, Discover or American Express
  • Include only cards not reported above.
  • Do not include cards such as Greendot, etc, reported in the previous question
Other general purpose prepaid card that has a logo from Visa, MasterCard, Discover or American Express Include only cards not reported above.
PA198_cPublic transportation card or pass (subway, bus, train or ferry)Public transportation card (subway, bus, train or ferry)
PA198_confirmYou told us you have the following ^numbercards prepaid cards:

Type of cardNumber of card(s)
`PA198_a^PA198_a
`PA198_c^PA198_c
`PA198_d^PA198_d
`PA198_e^PA198_e
`PA198_f^PA198_f
`PA198_m^PA198_m
`PA198_g^PA198_g
`PA198_h^PA198_h
`PA198_i^PA198_i
`PA198_j^PA198_j
`PA198_k^PA198_k
`PA198_l^PA198_l
`PA198_b^PA198_b


Is this correct?
INTRO
PA198_dPhone cardPhone card
PA198_eDirect ExpressDirect Express
PA198_fEBT, WIC, SNAP, or TANFEBT, WIC, SNAP, or TANF
PA198_gPayroll card (for wages or salary)Payroll card (for wages or salary)
PA198_hEmployee incentive card (for bonus pay, awards, or recognition from your employer)Employee incentive card (for bonus pay, awards, or recognition from your employer)
PA198_iBenefit card (FSA, HRA, HSA, health care, day care)Benefit card (FSA, HRA, HSA, health care, day care)
PA198_j^FLRemittance card (for sending money overseas)Remittance card (for sending money overseas)
PA198_kRebate card from store, merchant, or websiteRebate card from store, merchant, or website
PA198_lLocation specific card (for spending in shopping malls or university campus)Location specific card (for spending in shopping malls or university campus)
PA198_mOther federal, state, or local government benefit cardOther federal, state, or local government benefit card
PA198_nOther types of passes or membership cards (examples: museum, gym, parking, recreation)membership cards
PA201_aNetSpendNETSPENT
PA201_bGreen DotGREEN DOT
PA201_cAmerican Express BluebirdAmerican Express Bluebird
PA201_dWalmart MoneyCardWalmart MoneyCard
PA201_eVisa Prepaid CardVisa Prepaid Card
PA201_fMasterCard Prepaid CardMasterCard Prepaid Card
PA201_gWells Fargo Prepaid CardWells Fargo Prepaid Card
PA201_hAccountNow Gold CardAccount Now Gold Card
PA201_iPrepaid card from a bank

  • Examples: Chase, Bank of America, Wells Fargo, etc.
Prepaid card from a bank
PA202_aGift card from a store, merchant, or website (examples: Home Depot, Target, Starbucks, iTunes)logo store gift card
PA202_cPublic transportation card or pass (subway, bus, train or ferry)logo public transportation card or pass (subway, bus, train or ferry)
PA202_dPhone cardlogo Phone card
PA202_eDirect Expresslogo Direct Express
PA202_fEBT, WIC, SNAP, or TANFlogo EBT, WIC, SNAP, or TANF
PA202_gPayroll card (for wages or salary)logo Payroll card (for wages or salary)
PA202_hEmployee incentive card (for bonus pay, awards, or recognition from your employer)logo Employee incentive card (for bonus pay, awards, or recognition from your employer)
PA202_iBenefit card (FSA, HRA, HSA, health care, day care)logo Benefit card (FSA, HRA, HSA, health care, day care)
PA202_j^FLRemittance card (for sending money overseas)logo Remittance card (for sending money overseas)
PA202_kRebate card from store, merchant, or websitelogo Rebate card from store, merchant, or website
PA202_lLocation specific card (for spending in shopping malls or university campus)logo Location specific card (for spending in shopping malls or university campus)
PA202_mOther federal, state, or local government benefit cardlogo Other federal, state, or local government benefit card
PA202_nOther types of passes or membership cards (examples: museum, gym, parking, recreation)logo membership cards
PA203_aGift card from a store, merchant, or website (examples: Home Depot, Target, Starbucks, iTunes)can purchase store gift card
PA203_cPublic transportation card or pass (subway, bus, train or ferry)can purchase public transportation card or pass (subway, bus, train or ferry)
PA203_dPhone cardcan purchase Phone card
PA203_eDirect Expresscan purchase Direct Express
PA203_fEBT, WIC, SNAP, or TANFcan purchase EBT, WIC, SNAP, or TANF
PA203_gPayroll card (for wages or salary)can purchase Payroll card (for wages or salary)
PA203_hEmployee incentive card (for bonus pay, awards, or recognition from your employer)can purchase Employee incentive card (for bonus pay, awards, or recognition from your employer)
PA203_iBenefit card (FSA, HRA, HSA, health care, day care)can purchase Benefit card (FSA, HRA, HSA, health care, day care)
PA203_j^FLRemittance card (for sending money overseas)can purchase Remittance card (for sending money overseas)
PA203_kRebate card from store, merchant, or websitecan purchase Rebate card from store, merchant, or website
PA203_lLocation specific card (for spending in shopping malls or university campus)can purchase Location specific card (for spending in shopping malls or university campus)
PA203_mOther federal, state, or local government benefit cardcan purchase Other federal, state, or local government benefit card
PA203_nOther types of passes or membership cards (examples: museum, gym, parking, recreation)can purchase membership cards
PAYPALADOPTERPAYPAL ADOPTER
PCADOPTERPREPAID CARD ADOPTER
PCEVERPREPAID CARD EVER
PPADOPTERNON-BANKING ONLINE PAYMENT ADOPTER
PPEVERPP EVER
PU009During the past 12 months, did you carry an unpaid balance on any ^FLCreditCardLink_lower from one month to the next (that is, you did not pay the balance in full at the monthly due date)?CARRY UNPAID BALANCE ON ANY CREDIT CARD
PU010Last month, about how much was the unpaid balance on all your credit cards that you carried over from the previous month?

  • Enter 0 if none.
    UNPAID BALANCE CREDIT CARDS CARRIED OVER LAST MONTH
    PU011How would you compare your unpaid balance last month to your unpaid balance 12 months ago? Last month’s balance is...COMPARED TO 12 MONTHS AGO UNPAID CREDIT CARDS BALANCE
    PU012Last month, did you carry an unpaid balance on any credit card from one month to the next (that is, you did not pay the balance in full at the monthly due date)?CARRY UNPAID BALANCE ON ANY CREDIT CARD
    PU013Today, about how much is the total credit limit of all your credit cards?

    • Only include credit cards, do not include charge cards.
    • If you don’t know your credit limit, please give us your best guess.
      TOTAL CREDIT LIMIT
      Pa123_randomizerrandomizer for point display
      SAVADOPTERSAVADOPTER
      SAVEVERSAVEVER
      TBADOPTERTBADOPTER
      TBEVERHAD EVER TELEPHONE BANKING
      TCADOPTERTRAVELERS CHECK ADOPTER
      TCEVERTRAVELERS CHECK EVER
      askPA126askPA126
      pa008_a_sum
      pa008_b_sum
      pa129_d2Who did you pay using virtual currency?who paid with virtual currency
      permPA002_1PA002 POSITION 1
      permPA002_2PA002 POSITION 2
      permPA002_3PA002 POSITION 3
      permPA002_4PA002 POSITION 4
      permPA002_5PA002 POSITION 5
      permPA002_6PA002 POSITION 6
      permPA016_1PA016 POSITION 1
      permPA016_2PA016 POSITION 2
      permPA016_3PA016 POSITION 3
      permPA016_4PA016 POSITION 4
      permPA016_5PA016 POSITION 5
      permPA016_6PA016 POSITION 6
      permPA016_7PA016 POSITION 7
      permPA034_1PA034 POSITION 1
      permPA034_2PA034 POSITION 2
      permPA109_1PA109 POSITION 1
      permPA109_2PA109 POSITION 2
      permPA109_3PA109 POSITION 3
      permPA109_4PA109 POSITION 4
      permPA125_1PA125 POSITION 1
      permPA125_2PA125 POSITION 2
      permPA125_3PA125 POSITION 3
      permPA125_4PA125 POSITION 4
      permPA125_5PA125 POSITION 5
      permPA125_6PA125 POSITION 6
      permPA126_1PA126 POSITION 1
      permPA126_2PA126 POSITION 2
      permPA126_3PA126 POSITION 3
      permPA126_4PA126 POSITION 4
      permPA126_5PA126 POSITION 5
      permPA126_6PA126 POSITION 6
      permPA126_7PA126 POSITION 7
      permPA126_8PA126 POSITION 8
      pu013_aYou told us that your credit limit is $^pu013 and your balance is $^pu010.

      Is it correct that your balance is larger than your credit limit?
      correct balance larger than creadit limit
      pu013_a_otherYou told us that your credit limit is $^pu013 and your balance is $^pu010.

      Is it correct that your balance is larger than your credit limit?
      correct balance larger than creadit limit OTHER