Benchmarks: Financial products and services

Research by Claritas Inc. shows the proportion of California households that use various financial products and services:

ATM/debit cards: 58.6%

Direct deposit of paycheck: 50.5%

Online trades within previous three months: 4.1%

Online bank transfer within previous three months: 38.9%

Bill paying via Internet within previous three months: 36.7%

Direct deposit of Social Security checks: 29.7%

Telephone access service for bank account: 49.2%

Electronic banking, including ATM: 90.7%