Before opening a bank account
- Compare monthly fees and minimum balances.
- Ask about ATM access and overdraft policies.
- Understand how to deposit and withdraw money.
- Know how to contact the bank if something looks wrong.
RESOURCES
Money help, without the overwhelm.
Start with Money Smart guides, then use these practical checklists to keep learning.
First paycheck checklist
- Check your gross pay and take-home pay.
- Look for taxes and other deductions.
- Decide what amount goes toward savings.
- Build a plan before the next paycheck arrives.
College money checklist
- Compare total costs, not just tuition.
- Look for scholarships and grants.
- Understand the difference between grants and loans.
- Compare financial-aid offers carefully.
Credit checklist
- Know the card's APR, fees, and payment due date.
- Only borrow what you can realistically repay.
- Pay on time and monitor your statements.
- Protect your personal information.
Money safety checklist
- Be cautious with unexpected requests for money or information.
- Use strong, unique passwords and protect account codes.
- Review account activity regularly.
- Ask a trusted adult or financial institution when something feels suspicious.
Keep learning
For educators: Want to use Money Smart in a classroom, club, or workshop? Reach out to connect.