Estimates vary depending on the survey and whether “bank account” means savings, checking, or overall net worth. Most reliable surveys focus on retirement or savings account balances rather than total bank holdings. Roughly 14% of Americans report having at least $100,000 in savings, according to a 2023 survey cited by SoFi.
Separately, Employee Benefit Research Institute data shows 22.1% of Americans have at least $100,000 saved, though that figure covers retirement accounts specifically, not general bank deposits.
No single authoritative source tracks “bank account” balances alone, so figures range from about 14% to 22% depending on methodology and account type.
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