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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
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
NEWOBBPOnline banking bill payment is an electronic payment made directly from your bank account to a merchant via your bank’s online banking website.

To initiate the payment, you provide your bank’s website with a merchant’s information and authorize the bank to make a deduction from your account.

To set up access to online banking bill payment, you must sign up on your bank’s online banking website.

Have you ever set up access to online banking bill payment? 		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_aHOW MANY BANK ACCOUNTS CHECKING
PA001_bHOW 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
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
PA004What interest rate do you earn on the balance in your primary checking account?

  • Include money market accounts if that is your primary checking account
  • Please choose "0%" if you do not earn interest.
INTEREST RATE ON PRIMARY 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
PA006At what type of financial institution is your primary ^FLCheckingAccountLink_lower?

  • Your primary account is the account you use most often, not the account with the most money in it.
WHAT KIND OF FINANCIAL INSTITUTION IS PRIMARY CHECKING
PA006_otherWHAT KIND OF BANK IS PRIMARY CHECKING OTHER
PA007At what type of financial institution is your primary savings account?

  • Your primary account is the account you use most often, not the account with the most money in it.
WHAT KIND OF FINANCIAL INSTITUTION IS PRIMARY SAVINGS
PA007aWhat interest rate do you earn on the balance in your primary savings account?

  • Include money market accounts if that is your primary savings account
  • Please choose “0%” if you do not earn interest.
INTEREST RATE ON PRIMARY SAVINGS ACCOUNT
PA008_aHOW MANY DEBIT CARDS
PA008_bHOW MANY ATM CARDS
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
PA011Some debit 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.

Do any of your ^FLDebitCardsLink_lower give ^FLRewardsLink_lower?		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
PA014Online banking bill payment is an electronic payment made directly from your bank account to a merchant, company, government, or private individual via your bank’s online banking website.

To set up access to online banking bill payment, you must sign up on your bank’s online banking website and enter the name, address, account number, and other information of the payee.

Have you set up access to the online banking bill payment function of your bank's online banking 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 for safe keeping in your home, car, office, etc.HOW MUCH MONEY SAVINGS SAFETY EMERGENCIES
PA016When you get cash, where do you get it most often?WHY NO CHECKING ACCOUNT
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, 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
  • These cards can only be used at the merchant labeled on the card, and do not have logos from Visa, MasterCard, Discover or American Express
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
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.

They can be processed via:
  • Deductions from a bank account
  • Debit card transactions
  • Credit card charges
  • Direct payments 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 automatic bill payment in the past?EVER HAD AUTOMATIC BILL PAYMENT
PA031Do you currently 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_dCertified check
  • A type of check where the bank guarantees the payee that there is enough cash available in the payer’s account.
USED CERTIFIED CHECK IN PAST 12 MONTHS
PA041Have you ever used a money order, even once?USED MONEY ORDER EVER
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
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 all cards belonging to you and all cards held jointly with your spouse or partner.
  • 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_a1Visa credit cardsVisa credit cards with rewards
PA054_a2Visa credit cardsVisa credit cards without rewards
PA054_b1Company or store branded credit cardsCompany or store branded credit cards with rewards
PA054_b2Company or store branded credit cardsCompany or store branded credit cards without rewards
PA054_c1American Express charge cardsAmerican Express charge cards with rewards
PA054_c2American Express charge cardsAmerican Express charge cards without rewards
PA054_d1American Express credit cardsAmerican Express credit cards with rewards
PA054_d2American Express credit cardsAmerican Express credit cards without rewards
PA054_e1Diners Club or other charge cardsDiners Club or other charge cards with rewards
PA054_e2Diners Club or other charge cardsDiners Club or other charge cards without rewards
PA054_f1MasterCard credit cardsMasterCard credit cards with rewards
PA054_f2MasterCard credit cardsMasterCard credit cards without rewards
PA054_g1Discover credit cardsDiscover credit cards with rewards
PA054_g2Discover credit cardsDiscover credit cards without rewards
PA055_aServices provided by a non-bank (such as the Post Office):

  • Money order or cashier’s check
  • Check cashing
  • Remittance
  • Payday loan
use any financial services
PA055_bOther financial services:

  • Selling an item at a pawn shop
  • Rent-to-own services
  • Tax refund anticipation loan
use any financial services
PA103Have you ever had a prepaid card?EVER HAD PREPAID CARD
PA120_aVirtual or digital currencies exist online and are different from U.S. dollars ($), the euro (€), or other official foreign currencies.

Have you heard of Bitcoin? 		HEARD BITCOIN
PA120_bHave you heard of any other virtual currency? HEARD OTHER VIRTUAL COIN
PA120_b_otherOTHER VIRTUAL COIN
PA121_aBitcoinOWN BITCOIN
PA121_bOther virtual currenciesOWN OTHER VIRTUAL CURRENCY
PA122_aBitcoinEVER OWN BITCOIN
PA122_bOther virtual currenciesEVER OWN OTHER VIRTUAL CURRENCY
PA123_a_USBitcoinHOW MUCH BITCOIN IN US
PA123_a_numberBitcoinHOW MUCH BITCOIN
PA123_a_number_nopointBitcoinHOW MUCH BITCOIN
PA123_b_USOther virtual currenciesHOW MUCH OTHER VIRTUAL CURRENCY IN US
PA123_b_numberOther virtual currenciesHOW MUCH OTHER VIRTUAL CURRENCIES
PA123_b_number_nopointOther virtual currenciesHOW MUCH OTHER VIRTUAL CURRENCIES
PA124_aBitcoinUSED BITCOIN IN TRANSACTION
PA124_bOther virtual currenciesUSED OTHER VIRTUAL CURRENCIES IN TRANSACTION
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.
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 (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_jRemittance 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
PCADOPTERPREPAID CARD ADOPTER
PCEVERPREPAID CARD EVER
PPADOPTERNON-BANKING ONLINE PAYMENT ADOPTER
PPEVERPP EVER
Pa123_randomizerrandomizer for point display
SAVADOPTERSAVADOPTER
SAVEVERSAVEVER
TBADOPTERTBADOPTER
TBEVERHAD EVER TELEPHONE BANKING
TCADOPTERTRAVELERS CHECK ADOPTER
TCEVERTRAVELERS CHECK EVER
askPA126askPA126
cellphoneDo you have a cell phone?HAVE CELL PHONE
evercellHave you ever had a cell phone?EVER HAD CELL PHONE
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
permPA034_1PA034 POSITION 1
permPA034_2PA034 POSITION 2
smartphoneA smart phone is a mobile phone with features that enable it to easily access the web, send e-mails, and download apps.

Examples of smart phones include the iPhone, Samsung Galaxy, Android, Blackberry, and Windows Mobile.

Is your mobile phone a smart phone?		SMART PHONE