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 Financial Literacy Lessons for ESL Students
© 2002, San Diego Centers for Education & Technology Basic Banking: Unit 1, Lesson 2 - Page 4 Lesson 2 Checking Accounts Basic Checking Accounts Look at the chart to answer the questions about the checking accounts. California Sun Bank Pacific Credit Union San Diego First Bank Monthly Se...
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© 2002, San Diego Centers for Education & Technology Basic Banking: Unit 1, Lesson 2 - Page 4 Lesson 2 Checking Accounts Basic Checking Accounts Look at the chart to answer the questions about the checking accounts. California Sun Bank Pacific Credit Union San Diego First Bank Monthly Service Fee $8 (Waived with direct deposit or $1,000 minimum balance $5.50 (Waived with direct deposit) $6.00 (Waived with minimum balance of $600) Interest No No Yes (with minimum balance of
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© 2002, San Diego Centers for Education & Technology Basic Banking: Unit 1, Lesson 2 - Page 4 Lesson 2 Checking Accounts Basic Checking Accounts Look at the chart to answer the questions about the checking accounts. California Sun Bank Pacific Credit Union San Diego First Bank Monthly Service Fee $8 (Waived with direct <span class="highlight">deposit</span> or $1,000 minimum balance $5.50 (Waived with direct <span class="highlight">deposit</span>) $6.00 (Waived with minimum balance of $600) Interest <span class="highlight">No</span> <span class="highlight">No</span> Yes (with minimum balance of
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overdraft protection? California Sun Bank Pacific Credit Union San Diego First Bank Monthly Service Fee $8 (Waived with direct <span class="highlight">deposit</span> or $1,000 minimum balance 1. (Waived with direct <span class="highlight">deposit</span>) $6.00 (Waived with minimum balance of $600) Interest <span class="highlight">No</span> <span class="highlight">No</span> 2. Overdraft Protection Yes (with savings account) 4. Yes (with savings account or bank credit card) Bounced Check Fee 3. $15.00 $17.50
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© 2002, San Diego Centers for Education & Technology Basic Banking: Unit 1, Lesson 2 - Page 6 Lesson 2 Checking Accounts Basic Checking Accounts – Student B California Sun Bank Pacific Credit Union San Diego First Bank Monthly Service Fee $8 (Waived with direct <span class="highlight">deposit</span> or $1,000 minimum balance $5.50 (Waived with direct <span class="highlight">deposit</span>) 1. (Waived with minimum balance of $600) Interest 2. <span class="highlight">No</span> Yes (with minimum balance of $1,500) Overdraft Protection 4. Yes (with bank credit card
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© 2002, San Diego Centers for Education & Technology Basic Banking: Unit 1, Lesson 2 - Page 9 Lesson 2 Checking Accounts Making Deposits When you <span class="highlight">deposit</span> money, you put money in your account. You must <span class="highlight">deposit</span> money before you can write checks. You need to fill out a <span class="highlight">deposit</span> slip when you <span class="highlight">deposit</span> money. Your bank will give you these slips. Maria received a paycheck for $973.29 and she is going to <span class="highlight">deposit</span> it on January 19th, 2001. Fill out this <span class="highlight">deposit</span> slip for Maria. Endorsing Checks Before
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© 2002, San Diego Centers for Education & Technology Basic Banking: Unit 1, Lesson 2 - Page 10 Lesson 2 Checking Accounts Using a Check Register A check register is a small book that you can use to keep track of all the checks you write and any other bank transactions. It is very important to use a check register and to remember to write all transactions. Here is Maria’s check register for the past month. Check # Date Description of Transaction Payment/Debit (-) Code Fee(-) <span class="highlight">Deposit</span>/Credit
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© 2002, San Diego Centers for Education & Technology Basic Banking: Unit 1, L Checking Accounts San Diego Federal Bank 1234 Main Street San Diego, CA 92150 Statement of Acco Maria Lopez Member <span class="highlight">No</span>. Ending Date Branch 1617 Law St. 717488 1-31-01 4 San Diego, CA Date Transaction Description Amount Finance C Checking Account Account #2 Previous Balance JAN03 CHECK 4643 600.00- JAN04 CHECK 4644 257.99- JAN04 MONTHLY SERVICE FEE 9.00- JAN04 ATM WITHDRAWAL – SAN DIEGO
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very little or <span class="highlight">no</span> interest. Money Market Accounts • You <span class="highlight">deposit</span> a large amount to open the account. • The bank pays you interest that is based on the money market. • You can write a few checks from this account each month. • Your money earns more interest than regular savings account. • Your interest rate may go up if the US rate goes up. • You have to keep a high minimum balance. • Your interest rate may go down if the US rate goes down. • These accounts are usually not insured
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© 2002, San Diego Centers for Education & Technology Basic Banking: Unit 1, Lesson 3 - Page 4 Lesson 3 Savings Accounts Savings Account Questions Read each sentence and write T if the sentence is true and F if the sentence is false. Regular Savings 1. You can withdraw money at any time. T F 2. Your money earns high interest. T F 3. Your interest rate stays the same. T F Certificates of <span class="highlight">Deposit</span> (CDs) 1. You can <span class="highlight">deposit</span> any amount of money. T F 2. The interest rate stays the same. T F 3. You
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© 2002, San Diego Centers for Education & Technology Unit I: Quiz - Page 1 Financial Literacy, Unit I Quiz Choose the best answer. 1. Which account is best for paying bills and buying food? a. checking account b. savings account c. ATM 2. Which account earns better interest? a. checking account b. savings account c. ATM 3. Most banks require a ___ of at least $25 for a savings account. a. monthly fee b. direct <span class="highlight">deposit</span> c. minimum balance 4. What
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Services Objective: Students will learn vocabulary and concepts related to basic banking services. Students will be able to identify banking services and begin to name their advantages and disadvantages. This lesson serves as an introduction to the topics covered in subsequent lessons of this unit. U1L1, page 3: Reading Check 1. <span class="highlight">no</span> 2. <span class="highlight">no</span> 3. yes 4. yes 5. <span class="highlight">no</span> U1L1, page 3-4: Vocabulary 1. withdraw 2. <span class="highlight">deposit</span> 3. interest 4. available 5. bills
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