A Consumer Federation of America report has concluded that only 25 of the 101 largest banks (by number of branches) promote automatic saving and offer savings accounts that are accessible and affordable to low- and moderate-income households.  Disaggregating 2016 Federal Reserve Board data, the report also found that just 38 percent of households in the two lowest income quintiles (40% of all households) have a savings or money market deposit account at a bank or credit union.