Ready-to-Go Resources: Money in Motion - What Teens Should Know About Managing Finances

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Lesson 1: Depositing the Dough

Time Required: 30 minutes

Materials: Depositing the Dough Student Reproducible 1 (PDF); pen/pencil

Overview: Students will learn about different kinds of bank accounts and how checks are processed.


  1. Ask students: Do you know how a bank account works? Why and how would you open one? What is the difference between a checking account and a savings account? Why would you want one kind of account as opposed to the other?
  2. Distribute Depositing the Dough Student Reproducible 1. Read the case study aloud, then discuss why a savings account that earns compound interest is the best choice for Susanna and why a checking account is more appropriate for Joe.
  3. Have students complete the chart on the Depositing the Dough reproducible for homework and review the solutions together.

Extension Ideas: Have students gather any information they can about accounts offered by local banks. Share the information in class and ask students to compare and contrast the different options.

Curriculum Connections
Mathematics: Problem Solving; Communication; Connections
Social Studies: Production, Distribution, and Consumption
Economics: Decision Making; Interest Rates
English: Communication; Research; Workforce Demands
Financial Literacy: Money Management; Savings and Investing

Photos from top to bottom: © Rubberball Productions, © Photodisc/Getty Images.

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