Our UnderBanked Household list is based on InfoBase data, where clients can select from a myriad of criteria, including age, income, presence of spouse, ethnic surname and telephone number. The entire file has been model and validated utilizing national consumer survey data and prospects have been scored on a range of 1 to 20, from no banking relationships to banked households. The top two deciles of UnderBanked Households represent over 13 million households.