ATM USER DEMOGRAPHICS

KEY FACTS

• Over 350,000 ATMs located in the United States
• Over 13 billion ATM transactions annually
• Over 200 million Americans over the age of 18 have an ATM card
• The average ATM user withdraws $67 from the ATM and spends $25 immediately
• The average ATM user visits the ATM 10.6 times per month
• 70% of ATM transactions are a result of an impulse decision

PROFILES

Who uses ATMs by sex?		59.4% of all males 50.7% of all females
Who uses ATMs by age?		75% of all people between the ages of 18 and 34 68% of all people between the ages of 35 and 44 70% of all people between the ages of 45 and 54 67% of all people between the ages of 55 and 64 36% of all people 65 years or older
Who uses ATMs by income?		30% of all people with income under $20K 42% of all people with income of $20K - $29K 55% of all people with income of $30K - $39K 60% of all people with income of $40K - $49K 60% of all people with income of $50K or more
Average Household Income		$45,000
Other Profile Characteristics		College Educated 76.0% Some College 28.7% High School 28.9% Suburban 58.3% Urban 25.4% Rural 5.3%
Reason for using ATMs		Convenience 63.3% Near office 5.6% Near home 15.7%
When ATMs are used		On the way to work 34.9% On the way home 7.8% Convenience 34.7% Shopping 12.7%

ATM users are more active, spend more money, and enjoy entertainment more than non-ATM users.

Source: Chain Store Age Executive.