Summary
Banking is the system used to track and protect money. Learn about account types, deposit insurance, fees, and the difference between credit and debit cards. Students continue the Life Scenarios game.
Bellringer: The Overdraft Surprise
- Read the $5 drink scenario aloud from the slide
- Give students 2-3 minutes to write why a $30 fee appeared
- Introduce "overdraft fee" and debate whether protections should exist
Instruction
- Cover banking basics, checking vs. savings, and deposit insurance (FDIC/NCUA)
- Compare debit vs. credit, then break down overdraft, NSF, and other account fees
Discussion: Who Does Overdraft Protect?
- Pose the slide question: is overdraft protection protecting you or the bank?
- Push students to weigh convenience against billions in fee revenue
Activity: Life Scenarios Game
- Have students continue playing the Life Scenarios game
- Keep the slide displayed to signal it's the main focus
Wrap-Up & Assessment
- Name two benefits of using a financial institution over physical cash.
- What is the difference between spending with a debit card vs. credit card?
| Est. Time | Activity | Description |
|---|---|---|
| 5 min | Bellringer: The Overdraft Surprise |
|
| 10 min | Instruction |
|
| 2 min | Discussion: Who Does Overdraft Protect? |
|
| 25 min | Activity: Life Scenarios Game |
|
| 5 min | Wrap-Up & Assessment |
|
Lesson Prep
Life Scenarios
Explore real-life financial scenarios without the real-life consequences.
Class Presentation
Includes a 17-slide deck with teacher notes. Present from Banzai, download a PDF, or copy it to Google Slides.
Presentations, Ready to Go
- Built-in PresentationPresent full screen, straight from Banzai
- Copy to Google SlidesMake an editable copy for your class
- Download or PrintSave as a PDF or print
- Teacher NotesSlide-by-slide guidance, printable as one handout
Financial Essentials
Budgeting Basics
A budget is a spending plan. This lesson discusses choosing between needs and wants, and making tradeoffs. Students begin the Life Scenarios pretest and game.
Banking
Banking is the system used to track and protect money. Learn about account types, deposit insurance, fees, and the difference between credit and debit cards. Students continue the Life Scenarios game.
Intro to Debt
Debt is a tradeoff where you spend future income to satisfy a present want. In this lesson, students finish the Life Scenarios game, vocab, and posttest, and learn more about the price of debt. This includes interest, APR, and types of debt.
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