Account Balances

Liquid account balances trended downward over the period of April 1 – June 30, 2021. This was likely due to individuals spending down high balances, which were caused by stimulus payments and tax refunds. Balances in accounts owned by Financially Healthy individuals continued to be higher than those in accounts owned by Financially Coping or Financially Vulnerable individuals. In addition, those with household incomes above $100,000 had consistently higher balances than those with lower incomes.

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Understanding the Data

These graphs display trends from the Pulse transactional data set over the period of April 1 – June 30, 2021. Place your cursor over a trend line to view the date, category, median value, 95% confidence interval, and sample size for the given data. Given sample sizes and confidence intervals, these data should be viewed as directional and illustrative in nature. Only trends that are statistically significant within a 95% confidence interval are described in the summary above. Graph lines are smoothed and may not completely track to daily values.

Total Sample

Financial Health

Household Income


Race and Ethnicity


Measurement Notes

Liquid account balances are calculated as the average over a past 30-day rolling period for each day, starting with April 1, 2021. The median of the sample is calculated on each day and lowess smoothing is applied with a 10% smoothing window to derive 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 data set. Demographic variables (i.e., household income, race and ethnicity, gender, ability, and financial health tier) are determined using data from Pulse surveys. The demographic composition of the sample broadly aligns with the population of the United States using online banking. Click here for a complete methodology overview.

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Inflows and Outflows

Account inflows dropped sharply in April since the government administration of stimulus payments largely concluded, while outflows trended downward as individuals adjusted their spending accordingly.

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Credit Card Balances

Credit card balances remained consistent over the period of April 1 – June 30, 2021, with a median 30-day balance of about $1,100 per person.

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