How Checking Accounts Work

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1 Hw Checking Accunts Wrk LESSON PREPARATION AND TEACHER INFORMATION Lessn Summary: This lessn is intended fr high schl students during a frty minute time perid. The lessn teaches students the purpse f a checking, hw a checking accunt wrks, cmpleting a checkbk register, and the prcess f clearing a check. Lessn Objectives Purpse f a checking accunt Hw des checking accunt wrk? Learning the parts f a check Writing a check Cmpleting a checkbk register Prcess f clearing a check Materials Needed Intrductin t Checking Accunts handut (1 per student) Hw A Check Gets Prcessed handut (1 per student) Pencils fr each student (teacher t prvide) LESSON CONTENT Lessn Objective: Purpse f a checking accunt 3 minutes Intrductin fr Metr Bank Metr Mney Sense Instructrs Hell, my name is, and I wrk at Metr Bank. I m happy t be visiting yur class tday t talk abut checking accunts and hw they wrk. Discussin Questins What are ways students at schl can pay t register t participate in sprts r ther extracurricular activities? Credit/debit card, checks, cash What are ways adults wh receive bills such as electric, telephne, car, rent, r a mrtgage can pay these bills? Checks, credit/debit card, nline banking Talking Pints Many adults pay fr grceries, clthing, and ther bills with mney frm their checking accunt. The purpse f a checking accunt is t give yu r the wner n the accunt the ability t manage yur finances in a respnsible way using accunting methds. It s als a way t keep track f the mney yu earn, any ther mney cming in t yu, and the mney yu spend and yur expenses. Metr Bank: Metr Mney Sense Hw Checking Accunts Wrk - High 1

2 Lessn Objective: Hw des a checking accunt wrk? 6 minutes Let s take a few minutes t review hw a checking accunt wrks. Discussin Questins What are the steps a persn takes t use a check t pay smene fr an item? Writes the check fr the amunt wed Deducts the amunt frm the checkbk register Hands r mails the actual check t the persn wh is being paid What types f identificatin des a bank need t pen an accunt fr smene? Drivers license, military ID, passprt, PA State identificatin card, temprary r learner s driving permit All frms f ID must be valid nt expired If the identificatin is newer than 6 mnths ld, a secnd frm f identificatin is usually requested Examples are Scial security card, student ID usually with picture, emplyer ID with pht, veteran s ID card, health insurance cards, and thers Each bank r credit unin may accept r require different identificatin s yu shuld call t check befre ging t the lcatin t pen an accunt Why d banks require identificatin t pen an accunt? U.S. gvernment has very strict regulatins n what the banks must accept befre actually pening the accunt. It is called Knwing Yur Custmer as part f the Custmer Identificatin Prgram. ID is needed t reduce the pssibility f pening accunts fr mney launderers, terrrists, r ther criminals wh use bank accunts t funnel their illegal activity mney thrugh bank accunts And there are drug dealers, human traffickers, and ther criminals in Pennsylvania even in the rural areas, s it des happen in many places Why d banks smetimes require identificatin when cashing a check: Many criminals have stlen peple s identity by hacking int cmputer accunts, stealing scial security numbers, drivers licenses, r credit card numbers, r ging thrugh trash Criminals can btain much persnal infrmatin frm these dcuments and then try t use that infrmatin t take mney frm the victim s accunt Due t the increase f fraudulent activity and even family members trying t take mney frm ther family members accunts, banks and credit unins have becme mre diligent in checking the identificatin f peple cming int the bank t withdraw mney especially when custmers are cashing checks Asking fr identificatin is ne f the best ways t prtect the assets f the bank s custmers Lessn Objective: Parts f a Check and Writing a check 10 minutes Talking Pints When writing a check yurself r accepting a check frm smene else, it is imprtant yu understand and knw the parts f a check and what makes the check a valid check r ne that will nt be accepted by the bank. Metr Bank: Metr Mney Sense Hw Checking Accunts Wrk - High 2

3 Give students the handut n Intrductin t Checking Accunts There are several key parts f a check and yu can learn them by using the acrnym DAMPER: D = Date the date the check is issued Wh knws what makes a check date invalid t cash r depsit a check? A check cannt be dated in the future Is usually cnsidered stale if the date is lder than 6 mnths A = Amunt the numeric amunt f mney t be paid t the Payee (the persn wh is receiving the check) M = Maker the name f the persn respnsible fr paying the amunt shwn P = Payee the persn r cmpany receiving the mney as payment E = Endrsement the signature f the persn r cmpany accepting payment Befre a teller can prcess a check, sme type f endrsement needs t be n the back f the check. That means yu will need t endrse a check make payable t yu befre yu can cash it R = Ruting a unique number that identifies the bank t which the check belngs. The ruting number is usually already n yur check when yu rder them. Checks can cme in many styles and clrs. They can be purchased frm a bank r credit unin wh hlds the accunt and als frm independent vendrs. Smetimes the quality f checks frm independent vendrs are nt up t prcessing standards, s make certain the vendr is well knwn r check nline fr any cmplaints abut the dcument quality. Always write legibility if anything n the check is unclear, the amunt paid may be incrrect r a mistake made by the paying r receiving bank r even paid t the wrng persn. Activity Have the students use the blank check at the tp f the handut. Instruct the students t lk at and/r fill in the infrmatin as yu prvide it t them. Check number this is preprinted by the bank r vendr printing the checks Date Have them write in tday s date Payee Sam s Electrnics Explain they shuld fill in any extra space after the Payee s name if there is a lt f space left Amunt - $150 Shw n the bard hw t write the written amunt f a check Explain they shuld fill in any extra space after written amunt Write n the bard the example Twenty dllars then write Twenty dllars and 00/100 t fill the space This is t prevent smene frm adding thusand after the twenty When writing cents shw hw t write 18/100 fr $.18 cents. Have students write in the amunt ne hundred and fifty dllars Explain the wner r Maker f the check wuld sign his/her name Students can sign their name Explain that if they want t cancel a check after writing it, they shuld print the wrd VOID in large letters acrss the frnt f the check and put lines thrugh the amunts and their signature Walk arund rm and help any students wh need help. Metr Bank: Metr Mney Sense Hw Checking Accunts Wrk - High 3

4 Lessn Objective: Keeping a Checkbk Register 10 minutes Talking Pints After writing a check, yu need t keep track f which check yu wrte t whm. A checkbk register helps yu t d this. Yu receive a checkbk register bklet when yu receive a new bx f checks. It is imprtant t track all transactins yu d n yur checking accunt. Discussin Questin What ther transactins might yu d with yur checking accunt in additin t writing a check? Make a ATM withdraw Withdraw mney with a teller Transfer mney frm anther accunt Use yur debit card t have mney withdrawn directly when shpping using yur PIN (Persnal Identificatin Number) Make a depsit Have an amunt autmatically depsited (i.e. payrll) r withdrawn (aut payment) Activity Have students lk at the Sample Register. Review the clumns acrss the tp f the register including the starting balance f $ Tell the students yu are ging t have them write in the transactins yu give ut lud. Have them write in the transactin and d the subtractin r additin t see what their ending balance will be. Transactins t read ut lud fr students t write in checkbk register and pint ut the withdrawal and depsit clumns emphasizing they shuld use the crrect clumn: On yesterday s date, a depsit f $35.00 frm Amanda fr 4 used DVDs On yesterday s date, an ATM withdrawal f $20 Write in the check yu just wrte t Sam s Electrnics fr $ On tday s date, write in yur autmatic payrll depsit f $ fr wrking at Panera Bread Have the students calculate their ending balance. Answer is $ [Starting balance f $ $35 - $20 - $150 + $176 = $ Lessn Objective: Hw a Check Gets Prcessed thrugh Banking Systems 8 minutes Talking Pints Give the students the handut Check Prcessing thrugh Banking System Let s lk at hw a check prcesses thrugh the banking system. Refer t handut. Custmer brings in a check fr depsit r t be cashed. The Teller at Bank A prcesses the transactin. Fr mst medium and larger size banks, the check is then prcessed and scanned at the branch lcatin r is transprted t a central item prcessing center where the check is electrnically scanned and a cpy is made frnt and back f the check Als during scanning, the amunt f the check is micr-cded n the bttm f the check At mst banks the riginal check is shredded and nly the electric versin is available t send t the custmer r shw nline Metr Bank: Metr Mney Sense Hw Checking Accunts Wrk - High 4

5 Infrmatin frm the check such as an accunt number, paying bank, amunt, and date are sent electrnically frm the bank t clsest Federal Reserve System bank The Federal Reserve bank (als knwn as the Fed ) then frwards the infrmatin t the bank n which the check is drawn The infrmatin ges electrnically if the bank is large enugh t accept the infrmatin electrnically If the bank cannt take electrnic infrmatin, an image replacement dcument is sent t the bank Bank B, where the check is drawn, researches its recrds t see if the accunt the check is drawn n is valid, pen, and if there is enugh available mney t pay the check If there is enugh mney t pay the check and there are n ther issues, Bank B credits the funds t the Federal Reserve Bank wh then in turn credits Bank A that handled the transactin fr the Custmer. If there isn t enugh mney t pay the check r fr sme ther reasn the check cannt be paid, Bank B sends infrmatin t the Fed abut why the check can t be paid, and the Fed infrms Bank A. Bank A cntacts the Custmer fr payment since the bank didn t receive its mney frm Bank B. There is a fee invlved t pay fr the amunt f time, tracking, research, and prcessing f the nn-sufficient funds check that cause the verdraft. If the check ges thrugh the system cleanly and is paid withut an issue, there usually isn t a fee fr persnal accunts Discussin Questins Nw that yu have learned hw a check is prcessed thrugh the banking system, what are sme key pints yu can share that impact yu r decisins yu need t make when writing a check r receiving a check frm anther persn? Wrap Up 2 minutes Ensure any check yu receive frm friends and thers are valid checks by lking at the DAMPER elements Make certain the check written is legible and easy t read Always have enugh in yur accunt befre writing a check Purchase checks frm reliable surces t ensure yur checks prcess crrectly Having a checking accunt is an imprtant respnsibility as yu are handling yur mney by paper r electrnically, and it s easy t make a mistake. Having the cnvenience f being able t write checks r use a debit r ATM card is great, but attentin and care needs t be taken. Understanding what makes a valid check, keeping yur check register up t date, and ensuring yu have sufficient balance t cver all the checks yu write r transactins yu take n yur accunt will help yu maintain financial respnsibility. Thank yu fr yur attentin and participatin. Metr Bank: Metr Mney Sense Hw Checking Accunts Wrk - High 5

6 Nte fr Educatrs: Natinal Cuncil f Teachers f Mathematics Principles and Standards fr Schl Mathematics, 2012 Numbers and Operatins Understand varius meanings f additin and subtractin f whle numbers and the relatinship between the tw peratins [Pre-K-2] Judge the reasnableness f numerical cmputatins and their results [9-12] Data Analysis and Prbability Pse questins and gather data abut themselves and their surrundings [Pre-K-2] Metr Bank: Metr Mney Sense Hw Checking Accunts Wrk - High 6

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