# # Americans' Bank Accounts in 2025: The Broke Reality

GOBankingRates just dropped a survey that's honestly wild. 1,000+ Americans spilled the tea on their bank balances, and the numbers are rough.

**The kicker:** Half of Americans are sitting on less than $500 in savings. Yeah, you read that right. 39% have $250 or less. Meanwhile, experts say you should have 3-6 months of expenses saved for emergencies.

Checking accounts? Even worse. 40% of people keep $500 or less in checking. Gen X is the worst offender—49% of 45-54 year-olds are running on fumes. No wonder 35% of Americans had overdrafts last year.

**The stress is real:** 29% are "extremely stressed" about savings, 37% are "somewhat stressed." Only Gen Z and young millennials (ages 25-34) beat them—23% have literally zero saved.

The only group sleeping well? Baby boomers 65+. 42% of them have over $2k saved, and they're actually confident about it.

Experts say aim for 1-2 months of expenses in checking, 3-6 months in savings. If you're nowhere close, even small regular contributions help. But real talk—most Americans are just surviving paycheck to paycheck right now.