QUICKLEARN PLATFORM Topic Catalog
Personal QUICKLEARN Topics Share Draft Accounts 5601 Internet Safety... 5 5602 The Importance of Passwords... 5 5603 Mobile Banking... 5 5604 Online Banking... 5 5682 ATMs... 6 5684 Wire Transfers... 6 5686 Understanding Your Paycheck... 6 5689 Developing a Budget (VBT only)... 7 5693 Spending Decisions... 7 6240 How Share Draft Accounts Work... 8 6242 Free Share Draft Accounts... 8 6244 Senior Share Draft Accounts... 8 6245 Student Share Draft Accounts... 9 6246 Earning Rewards... 9 6247 Overdraft Protection... 9 6249 Share Draft Account Balances... 9 6251 Balancing Your Share Draft Account... 9 6321 NCUA Insurance... 9 6361 How Interest and Dividends Work... 9 6442 Debit or Credit... 10 6444 Prepaid Cards... 10 Share Accounts 5281 Health Savings Accounts... 3 5282 Education Savings Accounts... 3 5283 Money Market Accounts... 3 5601 Internet Safety... 5 5602 The Importance of Passwords... 5 5603 Mobile Banking... 5 5604 Online Banking... 5 5641 Traditional IRAs... 6 5642 Roth IRAs... 6 (Continues on next page) All topics available in both computer- and video-based formats, unless otherwise noted. MMXV BVS, Inc. -i- November 2015
Personal QUICKLEARN Topics Share Accounts (Continued) 5644 Saving for Retirement... 6 5682 ATMs... 6 5684 Wire Transfers... 6 5686 Understanding Your Paycheck... 6 5687 Teaching Teens About Money... 7 5689 Developing a Budget (VBT only)... 7 5693 Spending Decisions... 7 6246 Earning Rewards... 9 6284 Personal Savings... 9 6286 Youth Share Accounts (VBT only)... 9 6287 Share Certificates... 9 6289 Club Accounts... 9 6321 NCUA Insurance... 9 6361 How Interest and Dividends Work... 9 6442 Debit or Credit... 10 Lending 5362 Credit Scoring (VBT only)... 3 5363 Managing Your Debt... 3 5364 Car Loans... 3 5365 Personal Loans for Special Purposes (VBT Only)... 3 5367 Lines of Credit... 3 5368 Tax Deductible Loans... 4 5369 Co-Signing a Loan... 4 5370 Using Credit Wisely... 4 5371 Repaying Student Debt (VBT only)... 4 5372 Servicemembers: Your Financial Rights... 4 5407 Home Equity Lines of Credit (VBT only)... 4 5645 Retirement Plan Loans and Withdrawals (VBT Only)... 6 5690 Four Alternatives to Bankruptcy (VBT Only)... 7 5693 Spending Decisions... 7 (Continues on next page) All topics available in both computer- and video-based formats, unless otherwise noted. MMXV BVS, Inc. -ii- November 2015
Personal QUICKLEARN Topics Lending (Continued) 5694 Understanding Contracts (VBT Only)... 7 5801 Signature Loans... 8 6361 How Interest and Dividends Work... 9 Investments and Insurance 5371 Repaying Student Debt (VBT only)... 4 5603 Mobile Banking... 5 5641 Traditional IRAs... 6 5642 Roth IRAs... 6 5644 Saving for Retirement... 6 5761 Annuities... 7 5762 Mutual Funds... 8 5763 Stocks and Bonds... 8 5781 Life Insurance... 8 5782 Renters Insurance... 8 5783 Homeowners Insurance... 8 6287 Share Certificates... 9 6361 How Interest and Dividends Work... 9 Retirement Solutions 5641 Traditional IRAs... 6 5642 Roth IRAs... 6 5644 Saving for Retirement... 6 5645 Retirement Plan Loans and Withdrawals (VBT Only)... 6 5761 Annuities... 7 5781 Life Insurance... 8 6284 Personal Savings... 9 6287 Share Certificates... 9 6321 NCUA Insurance... 9 All topics available in both computer- and video-based formats, unless otherwise noted. MMXV BVS, Inc. -iii- November 2015
Personal QUICKLEARN Topics Cards 5441 Credit Cards... 5 5443 Gift Cards... 5 5446 Chip Cards (VBT only)... 5 5682 ATMs... 6 6442 Debit or Credit... 10 6444 Prepaid Cards... 10 Mortgages 5362 Credit Scoring (VBT only)... 3 5363 Managing Your Debt... 3 5368 Tax Deductible Loans... 4 5369 Co-Signing a Loan... 4 5401 Home Mortgage Options (VBT Only)... 4 5402 Buying a Home: Closing and Escrow (VBT Only)... 4 5403 Buying a Home: Know Before You Owe (VBT Only)... 4 5404 Building a Home... 4 5405 Refinancing a Home... 4 5406 Remodeling a Home... 4 5407 Home Equity Lines of Credit (VBT only)... 4 5408 Protecting Yourself from Mortgage Fraud... 5 5409 Selling Your Home... 5 5410 Rent or Own?... 5 5411 Reverse Mortgages... 5 5412 Mortgage Basics (VBT only)... 5 Online Services 5601 Internet Safety... 5 5602 The Importance of Passwords... 5 5603 Mobile Banking... 5 5604 Online Banking... 5 5605 Protecting Yourself from Phishing Attacks (VBT only)... 6 All topics available in both computer- and video-based formats, unless otherwise noted. MMXV BVS, Inc. -iv- November 2015
Business QUICKLEARN Topics Lending 5001 Planning for Your Business Loan... 1 5002 Working Capital Loans... 1 5003 Business Loan Options (VBT Only)... 1 5004 Equipment Loans... 1 5005 Commercial Real Estate Loans... 1 5006 Business Construction Loans... 1 5008 Small Business Administration Loans... 1 5009 Business Credit and Charge Cards... 1 5211 Developing a Business Plan... 2 5212 Choosing a Legal Business Structure... 2 5221 Franchises (VBT only)... 3 5369 Co-Signing a Loan... 4 Commercial Mortgage 5005 Commercial Real Estate Loans... 1 5006 Business Construction Loans... 1 5008 Small Business Administration Loans... 1 5212 Choosing a Legal Business Structure... 2 5369 Co-Signing a Loan... 4 Cards 5009 Business Credit and Charge Cards... 1 5201 Merchant Card Services... 2 5446 Chip Cards (VBT only)... 5 6202 Business Debit Cards... 8 Cash Management 5081 ACH Services... 1 5122 Remote Deposit... 1 5201 Merchant Card Services... 2 5684 Wire Transfers... 6 All topics available in both computer- and video-based formats, unless otherwise noted. MMXV BVS, Inc. -v- November 2015
Business QUICKLEARN Topics Business Resources 5161 Looking Ahead: Succession Planning (VBT only)... 2 5163 401(k) for Your Employees (VBT Only)... 2 5211 Developing a Business Plan... 2 5212 Choosing a Legal Business Structure... 2 5213 Business Licenses and Permits... 2 5214 Filing and Paying Taxes... 2 5215 Employment Taxes... 2 5219 Risk Management for Small Businesses... 3 5220 When Business is Slow... 3 5221 Franchises (VBT only)... 3 Deposits 5122 Remote Deposit... 1 5123 Online Business Banking (VBT only)... 2 5601 Internet Safety... 5 5602 The Importance of Passwords... 5 5684 Wire Transfers... 6 6041 NCUA Insurance for Business Deposits... 8 6043 Business Share Accounts... 8 6287 Share Certificates... 9 Online Services 5121 Online Security Basics for Businesses... 1 5122 Remote Deposit... 1 5123 Online Business Banking (VBT only)... 2 5127 Protecting Your Business from Phishing Attacks (VBT only)... 2 5602 The Importance of Passwords... 5 All topics available in both computer- and video-based formats, unless otherwise noted. MMXV BVS, Inc. -vi- November 2015
Wealth Management QUICKLEARN Topics Investments 5283 Money Market Accounts... 3 5645 Retirement Plan Loans and Withdrawals (VBT Only)... 6 5761 Annuities... 7 5762 Mutual Funds... 8 5763 Stocks and Bonds... 8 5781 Life Insurance... 8 6287 Share Certificates... 9 6321 NCUA Insurance... 9 Estate Planning and Administration 5683 Safe Deposit Boxes... 6 5730 Power of Attorney... 7 5731 Creating a Will... 7 5781 Life Insurance... 8 Investments and Management Services 5641 Traditional IRAs... 6 5642 Roth IRAs... 6 5644 Saving for Retirement... 6 5731 Creating a Will... 7 5761 Annuities... 7 5762 Mutual Funds... 8 5763 Stocks and Bonds... 8 5781 Life Insurance... 8 All topics available in both computer- and video-based formats, unless otherwise noted. MMXV BVS, Inc. -vii- November 2015
Wealth Management QUICKLEARN Topics Asset Management 5283 Money Market Accounts... 3 5644 Saving for Retirement... 6 5681 Fraud Protection for Seniors... 6 5683 Safe Deposit Boxes... 6 5685 Fraud and Scam Prevention... 6 5688 Paying Income Taxes (VBT only)... 7 5689 Developing a Budget (VBT only)... 7 5732 Calculating Personal Wealth in Your 20 s (VBT only)... 7 5738 Managing Money for Others: Four Rules (VBT only)... 7 5761 Annuities... 7 5762 Mutual Funds... 8 5763 Stocks and Bonds... 8 5781 Life Insurance... 8 6361 How Interest and Dividends Work... 9 Lending 5362 Credit Scoring (VBT only)... 3 5363 Managing Your Debt... 3 5365 Personal Loans for Special Purposes (VBT only)... 3 5367 Lines of Credit... 3 5368 Tax Deductible Loans... 4 5369 Co-Signing a Loan... 4 5370 Using Credit Wisely... 4 5405 Refinancing a Home... 4 5411 Reverse Mortgages... 5 5441 Credit Cards... 5 5690 Four Alternatives to Bankruptcy (VBT Only)... 7 5801 Signature Loans... 8 All topics available in both computer- and video-based formats, unless otherwise noted. MMXV BVS, Inc. -viii- November 2015
Wealth Management QUICKLEARN Topics Estimated study time for QUICKLEARN topics is 4-8 minutes. Actual times will vary by learner. All topics available in both computer- and video-based formats, unless otherwise noted. MMXV BVS, Inc. -ix- November 2015
QuickLearn Platform Topics 5001 Planning for Your Business Loan Before taking out a business loan, there are several questions to consider, as discussed in this topic. It also examines what distinguishes a business loan from a personal loan. 5002 Working Capital Loans This QUICKLEARN topic will examine some of the circumstances that make working capital loans a viable option for business owners. In doing so, it will also take a closer look at the critical role of working capital in the everyday operations of a business. 5003 Business Loan Options This topic will look at the characteristics of a business line of credit and how those characteristics differ from a term loan. 5004 Equipment Loans This QUICKLEARN topic examines the purpose and functionality of equipment loans and demonstrates how they can have a positive impact on business growth. 5005 Commercial Real Estate Loans This topic provides some basic information that a business owner should know when seeking a commercial real estate loan, including how such a loan is commonly used, the importance of cash flow and the role of loan-to-value (LTV) ratio. 5006 Business Construction Loans This topic will examine business construction loans including when they are generally used and some of the requirements you might encounter when trying to obtain one. 5008 Small Business Administration Loans This topic will explain how the Small Business Administration (SBA) functions and examine how its various programs might be able to assist you with your business needs. 5009 Business Credit and Charge Cards This topic examines the benefits of using business credit and charge cards. It includes information on how these credit cards generally function, how they're different and what separates them from consumer credit cards. 5081 ACH Services This QUICKLEARN topic reviews the benefits to businesses who use the ACH network for payables and receivables. It looks at the ACH transactions types used most frequently by businesses. 5121 Online Security Basics for Businesses By following some basic online security precautions, your company can help mitigate the burgeoning risk of cybercrime. This topic offers basic suggestions to help protect your business from computer hackers. 5122 Remote Deposit Remote deposit capture (RDC) allows for the electronic transfer of checks to a financial institution from a remote location (such as an office). It is a safe, convenient and cost-effective solution to the small business time crunch. This topic deals with RDC technology and its potential benefits to your business. MMXV BVS, Inc. -1- November 2015
QuickLearn Platform Topics 5123 Online Business Banking Safe, secure online banking let's you manage your finances, pay your bills and manage your payroll, anytime, from anywhere. This QuickLearn topic examines online business banking. 5211 Developing a Business Plan This topic will explain the essential role of a well thought out business plan in the success of a company and the different elements that should be considered when that plan is put together. 5127 Protecting Your Business from Phishing Attacks Do you know how to protect your business from phishing attacks launched by Internet scammers? This topic will help you strengthen your defenses. 5212 Choosing a Legal Business Structure This topic will cover the important decision of choosing the best legal structure for your company and some of the most common available options. 5161 Looking Ahead: Succession Planning Succession planning a process for identifying and developing candidates to replace core individuals at your organization is examined in this topic. 5213 Business Licenses and Permits This topic will explain the necessity of obtaining the proper licenses and permits for your business and will examine some of the common federal, state and local licenses that may be required. 5163 401(k) for Your Employees This QUICKLEARN topic provides information to businesses that are thinking about offering 401(k) retirement plans to their employees. 5201 Merchant Card Services This QUICKLEARN topic offers you an overview of our credit card merchant accounts. You'll see how your business can benefit by accepting credit and debit cards and find out what's needed to open a credit card merchant account. You'll also learn how credit card and debit card transactions will flow through the network. 5214 Filing and Paying Taxes This topic will explain the tax obligations of businesses. It will explain both federal and state requirements, how to recognize when an activity has evolved from a hobby into a business, and making a determination about when a tax year starts. 5215 Employment Taxes This topic takes a look at businesses' responsibility to pay employment taxes, which includes federal income tax withholding, Social Security and Medicare taxes, and Federal Unemployment Tax (FUTA). MMXV BVS, Inc. -2- November 2015
QuickLearn Platform Topics 5219 Risk Management for Small Businesses This QUICKLEARN topic looks at the tricky task of driving your business forward and managing risk at the same time. 5362 Credit Scoring Learn about credit reports and credit scores: what they are, where the information comes from and how to interpret the data within. 5220 When Business is Slow Slow periods are especially challenging for small business owners. This QUICKLEARN topic provides recommendations to help these entrepreneurs survive and possibly even thrive when business is slow. 5221 Franchises This QUICKLEARN topic explores the subject of franchises and similar business opportunities with the goal of helping you decide if such an opportunity is right for you. 5363 Managing Your Debt This QUICKLEARN topic offers suggestions for managing consumer debt, including strategies for consolidating and lowering interest rates and payment amounts. 5364 Car Loans This QUICKLEARN topic offers tips on purchasing your next car. You'll learn how to determine what you can afford and the advantages of applying for a pre-approved loan. You'll also get some suggestions on how to get a fair price at the dealership. 5281 Health Savings Accounts This topic provides basic information regarding eligibility and requirements for tax-sheltered health savings accounts (HSAs). 5282 Education Savings Accounts The basic rules for establishing and funding an Education Savings Account (ESA) are covered in this topic, as well as the provisions for taking distributions. 5283 Money Market Accounts This topic walks you through the features and benefits of limited-transaction money market deposit accounts (MMDAs). 5365 Personal Loans for Special Purposes This QUICKLEARN topic looks at some special occasions and purposes for which you might consider applying for a loan, and goes over the different credit options that may be used to meet your needs. 5367 Lines of Credit This QUICKLEARN topic describes three line of credit options: home equity lines of credit (HELOCs), personal lines of credit and credit cards. MMXV BVS, Inc. -3- November 2015
QuickLearn Platform Topics 5368 Tax Deductible Loans This QUICKLEARN topic looks at two types of tax deductible loans: home and school loans. Although the focus is on loans that may be tax deductible, keep in mind that this is not tax advice. You should consult your tax adviser for the final word on tax deductible loans. 5369 Co-Signing a Loan This topic looks at the responsibilities and risks you assume as co-signer on a loan. It also gives tips on ways to reduce the risk of your own credit suffering as the result of co-signing a loan. 5370 Using Credit Wisely This topic provides tips on ensuring that you are making good decisions when using credit. It also examines things to do (and not do) when managing your credit. 5371 Repaying Student Debt The average college student today finishes school with a debt of $24,000. If you're a student, you need to play it smart when you begin repaying these loans. This topic looks at several things to keep in mind. 5372 Servicemembers: Your Financial Rights Are you a servicemember on active duty, or about to begin active duty? If so, you need to know your financial rights and protections under federal law. 5401 Home Mortgage Options This topic is the first of three topics designed to guide you through the mortgage loan process, beginning with one of the first steps the application. 5402 Buying a Home: Closing and Escrow This topic guides you through the mortgage closing and escrow processes. 5403 Buying a Home: Know Before You Owe This topic briefly explains how the 2008 mortgage crisis changed the way consumers borrow money, and what you can do to prevent your own personal mortgage crisis. 5404 Building a Home This topic takes a closer look at the process involved with building a home, from applying for a construction loan to project completion. 5405 Refinancing a Home This topic will look more closely at the thought process behind refinancing a home mortgage and what to consider in determining whether it's the right move for you. 5406 Remodeling a Home This topic will examine some of the choices that must be made when you decide to remodel your home, from picking the right contractor to choosing the financing option that best meets your needs. 5407 Home Equity Lines of Credit This topic takes a closer look at home equity lines of credit (HELOCs). You'll see why it's considered an attractive borrowing option by many consumers and what distinguishes HELOCs from other types of loans. MMXV BVS, Inc. -4- November 2015
QuickLearn Platform Topics 5408 Protecting Yourself from Mortgage Fraud This QUICKLEARN topic discusses mortgage loan fraud. It explains some of the more common types of mortgage fraud, and what you can do to prevent becoming a victim. 5409 Selling Your Home This topic answers some of the questions consumers may have about selling their homes. It looks at establishing the value of the home, listing with an agent vs. selling "by owner," and what to do to prepare your house to sell. It also reviews accepting an offer and the closing process. 5410 Rent or Own? This topic looks at the benefits of renting vs. owning your own home. It also looks at factors you should consider when trying to make a decision whether to buy a home or rent. 5411 Reverse Mortgages This topic looks at reverse mortgages: when it could be the right solution, and when you should consider other alternatives. It reviews the three types of reverse mortgages, loan features and red flags. 5412 Mortgage Basics This QUICKLEARN topic gives a short overview of the mortgage process, and is aimed specifically at customers who wish to initiate the application process online. 5441 Credit Cards In this topic an expert on credit cards take questions from typical consumers to answer some of the most common concerns about how credit cards work. 5443 Gift Cards This QUICKLEARN topic describes gift cards: how they are used and some of the advantages of giving a gift card. 5446 Chip Cards In the fight against fraud, chip card technology is becoming the new global standard for credit card and debit card payments. This topic explains how this technology works. 5601 Internet Safety Anyone who uses the Internet will benefit from adopting security practices outlined in this topic. Learn how to be safer when you surf, communicate, purchase, bank, create, work... and the list goes on. 5602 The Importance of Passwords A good password is essential to secure use of the Internet. This topic offers tips and techniques that will help you create and remember strong passwords. 5603 Mobile Banking Today's mobile banking defines convenience. Whether you're at home, at work, at play or just on the go, you can pay bills, transfer money, deposit checks or check your balances from your smart-phone or other mobile device. 5604 Online Banking Online banking is easy, fast and convenient, but is it safe? In this topic, we address those issues and provide some important safety tips for secure online banking. MMXV BVS, Inc. -5- November 2015
QuickLearn Platform Topics 5605 Protecting Yourself from Phishing Attacks Do you know how to look for and avoid phishing attacks from Internet scammers? This topic is designed to raise awareness about phishing techniques. 5641 Traditional IRAs This topic discusses the features and benefits of traditional deductible IRAs, including eligibility requirements, contribution limits and withdrawal rules. 5642 Roth IRAs This topic spotlights the Roth individual retirement account (IRA), covering its features and providing a comparison with the traditional deductible IRA. 5644 Saving for Retirement Which retirement savings strategy is best for your situation? This QUICKLEARN topic helps you answer that question by exploring some of the most popular options IRAs, annuities and 401(k)s. 5645 Retirement Plan Loans and Withdrawals If you find yourself in a financial bind, tapping into your retirement savings may seem like a good option. But should you borrow from your retirement plan? This QuickLearn topic explores that question. 5681 Fraud Protection for Seniors A look at the growing nature of senior financial abuse, this topic helps you identify warning signs and suggests proactive steps that can be taken to prevent being victimized. 5682 ATMs This topic discusses the advantages of using automated teller machines (ATMs) and looks at some of the most recent technological advancements with ATMs. It also provides a general description of how they are owned and operated. 5683 Safe Deposit Boxes This topic will examine the advantages of using a safe deposit box and the things you should consider. It includes information on which personal items are usually kept in a safe deposit box, which items are best kept at home and how a safe deposit box generally functions. 5684 Wire Transfers This topic will look at the process of making a wire transfer, when it is generally conducted and the advantages of secure, financial institution transfers. 5685 Fraud and Scam Prevention Consumers need to constantly be aware of the tactics used by thieves and con artists looking to swindle account holders out of their money. This topic examines some preventative steps that can help avoid becoming a victim. 5686 Understanding Your Paycheck This topic decribes the line items found in an earnings statement or paycheck stub. It's particularly suited to teenagers receiving their first paycheck. MMXV BVS, Inc. -6- November 2015
QuickLearn Platform Topics 5687 Teaching Teens About Money This QUICKLEARN topic will discuss the right time to start talking to teens about handling their personal finances, suggest some exercises that will help teens learn to save and spend their money responsibly, and briefly discuss options when it comes to saving for the future. 5688 Paying Income Taxes This topic provides basic tax information geared mostly toward younger workers who may be just starting their careers. 5689 Developing a Budget In this topic, we look at what a budget is and how it can help you manage your money. We review how to create a budget so that you can get started as soon as you are ready. 5690 Four Alternatives to Bankruptcy This topic reviews options for avoiding the negative impacts of personal bankruptcy. 5693 Spending Decisions The aim of this topic is to help you make wise spending decisions and keep more of your money where you can see it: in your account. 5694 Understanding Contracts Almost every day, you enter into a contract whether subscribing to an Internet service or buying something. Do you always understand what you're agreeing to? Check out this topic for some useful advice. 5730 Power of Attorney This topic explains the legal authority granted through power of attorney. It will examine the different types of power of attorney and when it is generally used. 5731 Creating a Will This topic provides general information about creating a will. It includes why a will is needed, the general content of a will and some of the steps involved in putting a will together. 5732 Calculating Personal Wealth in Your 20s This topic provides a summary on how to calculate personal wealth from the perspective of young adults in their 20s. It explains the common steps involved in that process and how the information gathered can be useful. 5738 Managing Money for Others: Four Rules Millions of Americans manage money or property for someone else, often an older relative or friend. This QUICKLEARN topic sheds light on the major responsibilities these financial caretaker face. 5761 Annuities Two basic types of annuities are compared in this topic. The topic also looks at other factors to weigh with respect to retirement savings and investing. MMXV BVS, Inc. -7- November 2015
QuickLearn Platform Topics 5762 Mutual Funds How can the average investor build a diverse, balanced, well-hedged portfolio of stocks, bonds and other instruments? Pooled investments, such as mutual funds, offer you an affordable way to invest in a wide range of companies and industry sectors. 5763 Stocks and Bonds When do stocks and bonds "fit right in" to an investment portfolio and when might they be "too hot to handle?" Here's a quick and easy explanation of these sometimes risky investments. 5781 Life Insurance Life insurance is the perfect way to keep your family safe from financial worries after you're gone. This topic describes the basic types of insurance and answers some commonly asked questions about life insurance. 5782 Renters Insurance Are you a renter? Do you have renters insurance? If not, you may want to give this QuickLearn Topic a quick read. It could save you a bundle. 5783 Homeowners Insurance Homeowners insurance can compensate you for the loss of your home and possessions from thieves, vandals, natural disasters and more providing security for your valuable investment. 6041 NCUA Insurance for Business Deposits This QUICKLEARN topic explains the provisions for NCUA insurance coverage for corporations, partnerships and sole proprietorships. 6043 Business Share Accounts Aimed specifically at small- to mediumsized businesses, this QuickLearn topic looks at the advantages of business share accounts. 6202 Business Debit Cards This topic will help you understand the features of a business debit card and the benefits it offers to your business. 6240 How Share Draft Accounts Work This topic provides a quick but comprehensive explanation of share draft account features and how the account functions. 6242 Free Share Draft Accounts What exactly do you get with a free share draft account? That varies, but certain services are always included for free, as this topic will explain. 6244 Senior Share Draft Accounts How do senior share draft accounts differ from standard, or traditional, share draft accounts? What are the common benefits that a senior account can offer? Those are the questions addressed in this topic. 5801 Signature Loans Need cash for an unexpected emergency or special, major purchase? A signature loan could be the ideal solution. MMXV BVS, Inc. -8- November 2015
QuickLearn Platform Topics 6245 Student Share Draft Accounts This QUICKLEARN topic provides a general description of share draft accounts (also known as checking accounts) for teens and college students. 6246 Earning Rewards Reward accounts are extra benefit accounts. In this quick and easy QuickLearn topic, you'll learn the basic rules and the attractive perks of reward share draft and share savings accounts. 6247 Overdraft Protection This topic provides information on the benefits, options and responsibilities related to overdraft protection, including overdraft protection program features. 6249 Share Draft Account Balances This topic explains the various types of balances that apply to your share draft account. This includes current, available, average and minimum balances. 6251 Balancing Your Share Draft Account This topic walks you through step-by-step instructions for balancing a share draft account register with an account statement and includes a printable worksheet you can use. 6284 Personal Savings A share account is a convenient way to save with easy access to your money. This topic discusses the features to look for in a share account. 6286 Youth Share Accounts Share Certificates are attractive investment options for many consumers because they are higher in yield and lower in risk than many investments. Learn more about them in this QUICKLEARN topic that takes an unusual approach to these short-term and long-term savings certificates. 6287 Share Certificates Share Certificates are attractive investment options for many consumers because they are higher in yield and lower in risk than many investments. Learn more about them in this QUICKLEARN topic that takes an unusual approach to these short-term and long-term savings certificates. 6289 Club Accounts Join the club! Club accounts can be the perfect vehicle for systematic savings regardless of the need to save. Learn how in this short QuickLearn topic. 6321 NCUA Insurance This topic will help you learn how to structure your accounts to maximize your National Credit Union Association (NCUA) coverage. 6361 How Interest and Dividends Work Explains how credit unions pay dividends on shares, then loan that money at a higher rate. For the member, this means borrowing money is really like "renting" it. MMXV BVS, Inc. -9- November 2015
QuickLearn Platform Topics 6442 Debit or Credit? Debit cards are appropriate for most routine purchases, but this topic covers the situations when a credit card may offer more flexibility and security at no added cost as long as it's paid off before interest charges take effect. 6444 Prepaid Cards This QUICKLEARN topic describes prepaid cards: what they are, how to get them and how to use them. It describes using a prepaid card to reload as needed to manage expenses; how a prepaid card can help students or teenagers; using a prepaid card for travel; and the benefits of a payroll card. MMXV BVS, Inc. -10- November 2015
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