SAVINGS ACCOUNTS: Review: (Piggy SA Spreadsheet_3)
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1 SAVINGS ACCOUNTS: Review: (Piggy SA Spreadsheet_3) FOR 2004: GIVEN: Annual Interest Rate = 4%, Compounded Annually STEP 1: Enter your PIGGY BANK 12/31/03 balance as Beginning Balance (BB) for 1/1/2004. STEP 2: Calculate Interest Payment (IP): 0.04 x BB = IP STEP 3: Customer makes her 6 th deposit. Enter under Deposits (D) STEP 4: Calculate Ending Balance for 2004: BB + IP + (D-W) = EB STEP 5: REPEAT STEPS 1-4 FOR 2005 (IR=5%); 2006 (IR=6%); 2007 (IR=7%)
2 FAME Building Your Future Chapter 2: Checking Accounts Recommended Reading: M.S.: 3,4
3 Key Terms Check Credit Debits Balance/reconcile Statement balance Debit card PIN EFT Online banking Overdrawn Overdraft penalty Minimum account balance Interest bearing account
4 Checking Account Basics Everyday expenses utilities A variety Of other expenses Rent Loan Payments
5 Checking Accounts HAS Changed Many checking accounts now offer many privileges than in the past Checks (p10) Debit Cards/PIN (p13) EFT (p13) Online Banking (p13) Written order specifying the amount of money to be paid and the name of the person or company who should receive the funds cards used to take out cash from your bank accounts Can be used where credit cards are accepted (i.e. in-store or online shopping) Movement of funds using computer systems, telephones, or electronic terminals (ATM) Allows account holders to access their account information; view transaction history; and perform banking transactions via the internet
6 CHECKING ACCOUNT BALANCES Keeping track of your CREDITS (deposits) and DEBITS (withdrawals) Balance Or Reconcile (p12) Statement Balance Account Balance Overdrawn Overdraft penalty/ protection (p14) Compare the amount of money in an account, equal to the net of credits and debits at that point in time for that account How much money you have in your checking account as of the statement date Start of the month account balance you re in the (red) A fee to cover the cost of processing your bad check Arrangement with the bank to cover checks so they will not bounce
7 TRY IT! Examples and Practice: BYF page 12 GIVEN: End of the month account balance in August = $ During September: 1 st deposit of $ nd deposit of $ Wrote 9 checks for total of $ What will you account balance be at end of September?
8 TRY IT! Examples and Practice: BYF page 14 End of the month account balance in August = $ During September: 1 st deposit of $ nd deposit of $ Wrote 9 checks for total of $ OOPS!!! Went to movies and spent $22.94 Wrote your last check for $62.97 What should your account balance be at end of September? What will happen to the last check you wrote? What will happen as a result of your failure to record the debit? (Think of 3 possibilities)
9 LET S BREAK! 39 WHEW!!! 2 girls Hip-Hop See movies Math-n-Science
10 Choosing a CHECKING Account (p15) Regular CHECKING LOW MINIMUM ACCOUNT BALANCE MINIMUM ACCOUNT BALANCE The amount of money you must keep in the account to avoid service charges; qualify for special service or earn interest on checking account INTEREST BEARING ACCOUNT EARNS LOW RATE OF INTEREST; HIGH MIN. BALANCE
11 Checking Accounts: Let s Practice March 1: Initial deposit = Beginning balance $250 March 2: Check # 101 payable to Washington D.C. Food Fund; amount was $150 March 4: EFT paycheck deposit; amount was $86.63 March 7: debit card purchases to (1) Student Gear for $ new backpack; (2) My Favorite School for $18.45 new sweatshirt for the trip March 11: Check # 102 payable to the M and M Market for $11.87 (for your snacks)
12 Practice continues. March 14: Cash withdrawal = $75 March 15: debit card purchases to (1) White House Souvenirs for $37.56 for your family and (2) History Museum for $7 for admissions March 16: (1) debit card purchase to The Museum of Famous Americans for $7 for admissions; (2) paycheck direct deposit via EFT for $77.45 March 18: Check #103 payable to Steve Friend for $40 March 19: debit card purchase at the Discount Drug Store for $11.36 for digital pictures
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