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The more you listen, the more you’ll learn!

Basics of Banking

HOW BANKS WORK AND THE BENEFITS OF USING THEM

Learn the basics of protecting your money and financial information. It helps you choose the best types of accounts and protect your personal identity, and ways to prepare for a natural disaster or other emergency.

1-1: How Having a Bank Account Protects Your Money

Learn about types of financial institutions, security, your legal rights, and privacy.

1-2: What a Bank Can Do for You

Learn about the benefits of banking, types of accounts, convenience services, and credit cards and consumer loans.

1-3: How to Protect Your Identity

Get vital information to prevent identity theft – or take action if you think you’re a victim.

1-4: Prepare Yourself Financially for a Disaster

Know how to prepare and where to store your financial information in case of emergency.

1-5: When There’s Too Much Debt

Learn the smart way to get out of debt, find a credit counselor, and avoid risky debt consolidation.
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Checking Accounts

AN OVERVIEW OF CHECKING ACCOUNTS AND THE BENEFITS OF USING THEM

Learn how to choose, open, and manage an account. Understand common banking fees, how to deposit money, write checks, use a debit card, and balance your checkbook. Learn about online banking and banking by phone.

Savings/Spending Plan

THE BASICS OF SAVING AND INVESTING MONEY

Get tips on finding ways to save, making a personal spending plan, and tracking what you spend. Learn potential benefits from direct deposit and tips to save for retirement.

Borrowing Money

THE BASICS OF BORROWING MONEY WISELY

Understand the costs of borrowing and how to qualify for credit or a loan. Find tips to choose a loan or credit card. Learn how loans work, and ways to get the best loan for your needs.

4-1: Decide Whether to Borrow

Understand the costs and risks of borrowing and using credit; learn to shop for the best option.

4-2: Be Able to Borrow

Learn to review and understand your credit report and build stronger credit.

4-3: Choose the Right Loan

Learn to review and understand your credit report and build stronger credit.

4-4: Use Credit Cards Wisely

Learn how to choose the right card, read your statement, and avoid problems.
  • National Foundation for Credit Counseling at nfcc.org
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4-5: Finance a Purchase with a Loan

Learn how loans work for cars and other purchases, get tips for car buying, and avoid paying too much for rent to own purchases.
  • U.S. Federal Trade Commission- www.ftc.gov
    Click on Money and Credit and then Buying and Owning a Car.
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4-6: Finance a Home with a Loan

Learn how loans work for cars and other purchases, get tips for car buying, and avoid paying too much for rent to own purchases.

4-7: Protect Yourself While Borrowing

Find out how to avoid predatory loans and scams – and how to get help if you’re a victim.
 
More Money Smart Resources at FDIC.gov