To get this data, the bank looked at 2.5 million of its customers who maintained an active checking account every month between October 2012 and December 2014. These people also had a monthly minimum of $500 in deposits and at least five withdrawls, in addition to an open Chase credit card during that period. From there, the bank drew a random sample of 100,000 people whose finances they analyzed.

 The bank acknowledges in the report that its population is "somewhat more affluent than the general population" for a few reasons. It doesn't capture the unbanked -- which make up roughly 8 percent of Americans and tend to be both lower-income and non-Asian minorities, the bank said. The $500 minimum-deposit rule also bars the poorest households. Chase credit card holders also have credit scores "above a certain threshold" because the bank doesn't operate in the subprime market.

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