Banking

Many people pick a bank the way they pick a gas station—whichever is closest. Explore the differences between commercial banks, credit unions, and online banks, and how to choose the right financial institution.

Your money is only as safe as the institution holding it. This lesson compares checking and savings accounts, explores the dangers of being "unbanked", and examines how you access your cash in a digital world.

A $2 soda can cost $37 when you don't track your account balance. This lesson covers common banking fees, the difference between online balances and account statements, and how to reconcile accounts to avoid costly surprises.

Your bank account is only as safe as your weakest habit. This lesson covers automation tools like direct deposit, split deposits, and recurring transfers—plus security essentials including MFA, social engineering, peer-to-peer risks, and WiFi dangers.

Locking up money on purpose sounds like a bad idea—but it's one of the safest ways to grow your savings. This lesson explores how CDs and share certificates work, which financial institutions offer which product, and when they make sense.

P2P payment apps aren't banks — and your money isn't protected like it is in one. This lesson compares popular P2P apps, identifies common scams, and walks students through real-world scenarios to practice smart digital payment decisions.

Fraudulent charge or merchant dispute? The distinction determines whether you get your money back. This lesson unpacks the Electronic Fund Transfer Act, the 2-day liability rule, and the exact steps to dispute an unauthorized transaction.

Being unbanked often costs more than being banked, and predatory lenders are waiting to fill the gap. This lesson explores banking deserts, the true cost of going unbanked, and how to spot legal-but-predatory lending traps.