U.S. Banking Priority Briefs  ·  Retail banking segments and acquisition outcomes, scored for every U.S. household  ·  audience@semcasting.com

Acquisition outcomes

Direct Deposit Potential Scores

The likelihood that a checking customer routes a recurring payroll deposit to the account.

Scored households139.6M

Across 139.6M U.S. households in the Semcasting file, 15.1M clear the high-fit bar for direct deposit potential (score 65+, the top 10% nationally). Among metro areas they concentrate in San Jose, Provo, Sioux Falls: in the San Jose metro area, 53.9% of households are high-fit, 4.98× the national rate. At $1.50 to $3.00 CPM, these audiences are priced at approximately 50% or less of the market rate, with results reported every week.

Fair Lending qualified

No race, sex, age, marital, familial or public-assistance inputs, and no proxies for them.

Household + zip signals

Semcasting household fields combined with Census, HMDA, IRS, FDIC, BLS and CFPB data for the zipcode.

State and zip indexes

Scores roll up to every U.S. state and zipcode, indexed to the national average (100).

Households national audience

U.S. households scored
139.6M
High-fit (score 65+)
15.1M
Qualified (score 57+)
35.8M
U.S. zipcodes indexing 120+
2,539
San Jose metro
53.9%
U.S. households
10.8%

Share of households clearing the high-fit bar in the top metro area vs the nation. Qualified tier (score 57+, the top 25%): 35.8M households. Average score 48.4.

States highest high-fit share

StateHigh-fitShare
District of Columbia109K31.7%
Utah294K24.3%
Massachusetts660K23.3%
New Jersey776K21.8%
North Dakota61K18.3%
Minnesota443K17.9%

Zipcodes highest index, 2,000+ households

ZIPHouseholdsIndex
20148Ashburn, VA22,397169.7
75022Flower Mound, TX9,416167.1
20105Aldie, VA12,133166.4
20152Chantilly, VA11,469164.0
10004New York, NY2,459163.4

States with at least 50,000 scored households. The largest high-fit audiences by count are in Texas (1.8M), California (1.6M), New York (1.0M), Illinois (891K), New Jersey (776K).

Metro areas highest high-fit share, 100,000+ households

Metro areaHigh-fitSharevs U.S.
San Jose-Sunnyvale-Santa Clara, CA362K53.9%4.98×
Provo-Orem-Lehi, UT75K33.2%3.07×
Sioux Falls, SD-MN42K31.6%2.92×
Salt Lake City-Murray, UT147K30.8%2.85×
Boston-Cambridge-Newton, MA-NH587K30.0%2.77×
Raleigh-Cary, NC187K29.6%2.73×

District of Columbia is a single urban core, so it is shown among states but is better compared with metro areas. The Washington metro area as a whole: 22.9% high-fit across 2.5M households.

Common questions

Where do direct deposit potential households concentrate?

By share of households, in the San Jose, Provo and Sioux Falls metro areas. In San Jose, 53.9% of households are high-fit, 4.98x the national rate. By count, the largest high-fit audiences are in Texas (1.8M), California (1.6M), New York (1.0M).

What does high-fit mean for direct deposit potential?

A score of 65 or higher, the top 10% of U.S. households for this outcome. Qualified (score 57 or higher) is the top 25%. These are percentile cuts across all scored households, not a count of households that need the product.

Is the direct deposit potential score Fair Lending qualified?

It uses no race, sex, age, marital status, familial status or public-assistance inputs, no fields that stand in for them, and no credit bureau data. It is not a credit decision. Zip-level targeting should still get a disparate-impact review before media or offer allocation.

Evidence base data behind direct deposit potential

  • Semcasting dataSemcasting household file
  • Federal statisticsIRS SOI 2022 ZIP data
  • Federal statisticsCensus ZIP Code Business Patterns
  • Federal statisticsBLS QCEW
  • Federal statisticsCensus ACS 2024 5-year

How the score is built

Each household's direct deposit potential score (0 to 100) combines its own household fields (40%: income level 60%, digital activity 40%) with market signals for its zipcode (60%) from IRS SOI 2022 ZIP data, Census ZIP Code Business Patterns, BLS QCEW, Census ACS 2024 5-year. Each zip signal is converted to a national percentile. Weights follow Semcasting's acquisition driver model and are refined as campaign and account-opening results come in. State and zip indexes compare an area's average score with the U.S. average (100).

How it is confirmed

Every scored file carries a fixed 10% holdout. As account-opening and campaign outcome data comes in, each score is fitted to actual results and lift is reported by score decile against the holdout.

What it is not

The score is not a credit decision and uses no credit bureau data. It excludes race, sex, age, marital status, familial status and receipt of public assistance, and any field that stands in for them. Zip-level targeting should still get a disparate-impact review before media or offer allocation.