How To Do Your Banking

The investment in education your bank needs to yield knowledgeable new customers.

How To Do Your Banking is a seven-lesson financial literacy course taught by school faculty. 

The investment in education your bank needs to yield knowledgeable new customers. Hundreds of banks nationwide use How To Do Your Banking to teach young adults in the classroom basic money management skills, including how to access and manage credit responsibly.

 

Why do teens need it?

The average high school graduate lacks basic personal finance skills. Many cannot balance a checkbook and most have no knowledge of the basic principles of earning, spending, saving, or investing.

How To Do Your Banking helps young people learn to manage their first credit experience and establish valuable lifelong financial habits. Rather than stumbling through their financial life by trial and error, teach students in the classroom where mistakes do not cost ‘real’ dollars.

What are the program components?

There are four curriculum components available to each ordering teacher:

  1. A 36-page Student Workbook branded with your bank’s logo (available in Paper or Digital Format)
  2. A 40-page Teacher’s Guide
  3. Our online video, Check It Out!! – checking account convenience, management and the 5 C’s of credit; as well as access to a video on Identity Theft
  4. An additional online exercise, You’re On Your Own – money management

Teachers request the number of workbooks needed for their classes and a Teacher’s Guide. You receive the fifth component directly: Your Banker’s Guide, which provides ideas and recommendations for maximizing your participation in the program.

What concepts are covered?

  • Budgeting
  • Personal Savings
  • Basic Investments
  • Checking Accounts
  • Credit
  • Loans
  • Loans to Avoid
  • Electronic Banking
  • Deposit Image Technology
  • Online Banking
  • Online Bill Paying
  • Mobile Wallet
  • Mobile Banking
  • Mobile Text Banking
  • Identity Theft
  • Protecting Your Personal Information

And much more…

Here is what teachers say about the program

“Thank you for providing this wonderful resource. So many students have never been taught money management. I incorporated the checking account lesson in my accounting class. Many students from prior school years tell me they remember that lesson the most!”


“Information and activities in this workbook are excellent and have provided real life examples for students’ financial planning skills. The activities have facilitated learning about the necessity of planning and making wise decisions to achieve financial security. Thanks.”


“Thank you for the AMAZING materials! I teach financial math and the purpose of the class is to teach students to be financially secure. These materials help them understand not only how to do it but why.”

“My classes love doing these real-world assignments. Most of my students are seniors and they are getting ready to make their own banking and financial decisions. This program gives them the opportunity to practice these skills in a safe environment.”


“Thank you for providing these workbooks to my Financial Literacy classes. It is so important for students to understand checking and not just the use of debit cards. Understanding a statement and learning how to reconcile an account has been very valuable to my students!”


“This is a great, real-life program to teach students about managing their finances, balancing a checkbook, and explaining various financial terms. I use it yearly in my classes. Thank you for a wonderful resource!”

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Our Guarantee

As your silent partner, we are committed to increasing your stature and presence in the community. All contacts with schools are made in your name; the students’ materials prominently display your logo.

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How does it work?

Cemark handles the details of the entire process: from program preparation, school staff notification, order processing and fulfillment to maintenance & updating, reporting and results of your sponsorship.

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Not all financial literacy programs will find their way in all schools, but Cemark’s programs have proven to be an essential piece to the financial literacy curriculum taught in elementary and junior/senior high schools by teachers who commit to the program. Financial literacy is not always easy to grasp, even as adults, so educating youth early will help them avoid the pitfalls of poor financial decisions.

Pinnacle Bank consistently receives qualifying CRA investment credit in CRA exams as long as the schools meet the free-and-reduced lunch qualifying percentages. Tracking school usage and teacher feedback is important.  Documentation supporting quantitative and qualitative aspects of the activity helps an examiner measure the effectiveness and benefit to students.

Suzanne Kocsis
Pinnacle Bank
Sponsor since 2019

Since we began with Cemark in 1994, we have helped educate over 20,000 students through the ‘How To Do Your Banking Program’.   After adding ‘Saving with Mandy & Randy’ last year, we extended valuable financial education opportunities to over 1,000 additional students.  When we do other advertising such as putting our name on banners, etc., it is costly.  Their programs are INEXPENSIVE and EFFECTIVE!  There is no way we could recreate what they provide for students at this price.  We get THE BEST service from Cemark!

Angie Rowland
Somerset Trust Company
Sponsor since 1994

The Killbuck Savings Bank has been a proud sponsor of the HOW TO DO YOUR BANKING program since 1993.  Students enjoy using and learning from this financial literacy program.  Teachers value the program and we know it is successful because it is requested year after year.

When it comes to working with the Cemark staff, they are absolutely over the top!  Their customer service and programs make it easy to help our community with quality, always up-to-date, cost-effective materials.  When COVID hit, the newest edition with the online version enabled us to continue assisting teachers and students the entire time.

Paula Aurand
The Killbuck Savings Bank Co.
Sponsor since 1993