Inflows and outflows from liquid accounts are calculated using totals over a past 30-day rolling period for each day, starting with Jan. 1, 2021. The median of the sample is calculated on each day and lowess smoothing is applied with a 10% smoothing window to generate the trend lines shown in the chart. Liquid accounts include checking accounts, savings accounts, prepaid cards, money market accounts, and cash management accounts that satisfy the inclusion criteria for this dataset. Demographic variables (i.e. household income, race/ethnicity, gender, and financial health tier) are determined using data from Pulse surveys. The demographic composition of the sample broadly aligns with the online banked population of the United States. See complete methodology overview>>