Make teaching money management skills as simple as 1-2-3.

The Hands on Banking® courses include free instructor guides with classroom lessons and activities that will help you guide students through real-life scenarios and group discussions to teach valuable financial skills. And all without any endorsements or advertising.

Courses and lesson plans

Whether you are teaching young children, teenagers, or adults, Hands on Banking has courses for all of them. Help instill knowledge about money and how to protect and grow it from an early age. Teach how banks work, how to write and deposit checks, how to make and stick to a budget, and how to create a financial plan for whatever your students’ life goals might be.

Our instructor guides can help you prepare, extend, or modify lessons, and assess each participant’s progress. Each guide may be used alone or as a supplement to the online program. Common Core State Standards alignment can be found in the Appendix of the Instructor guide, where available.

The Common Core State Standards Initiative is an educational initiative in the United States that details what K-12 students should know in English language arts and mathematics at the end of each grade.

indicates a Common Core standard has been met.

Kids

Kids

Help them start out strong

Help kids learn all about money—where it comes from, how to earn it and use it, and how to keep it safe. And help them figure out the difference between “need” and “want.”

Instructor guides

Lessons Common Core Standards

Introduction

Meet Zing and Zoey Meet Zing and Zoey
Course overview Course overview

You & Your Money

You and Your Money — Introduction You and Your Money — Introduction
Where money comes from Where money comes from
Jobs and earning money Jobs and earning money
CCSS.MATH.CONTENT.4.MD.A.2

Uses four operations to solve word problems involving money

CCSS.MATH.CONTENT.4.OA.A.3

Uses four operations to solve multi-step problems

The cycle of money The cycle of money
What banks do What banks do
You and Your Money — Conclusion You and Your Money — Conclusion

Budgeting

Budgeting — Introduction Budgeting — Introduction
Needs vs. wants Needs vs. wants
Sticking to a budget Sticking to a budget
Build your own budget Build your own budget
Shopping with a budget Shopping with a budget
CCSS.MATH.CONTENT.4.MD.A.2

Uses four operations to solve multi-step problems

CCSS.MATH.CONTENT.4.OA .A.3

Uses four operations to solve word problems involving money

CCSS.MATH.CONTENT.4.NF.B.4.C

Solve word problems involving multiplication of a fraction by a whole number

CCSS.MATH.CONTENT.4.NF.C.6

Use decimal notation for fractions with denominators 10 or 100

CCSS.MATH.CONTENT.5.NBT.B.7

Add, subtract, multiply, and divide decimals to hundredths

CCSS.MATH.CONTENT.5.NF.B.6

Solve real world problems involving multiplication of fractions and mixed numbers

Working with a budget Working with a budget
Budgeting — Conclusion Budgeting — Conclusion

Savings & Checking Guide

Savings & Checking — Introduction Savings & Checking — Introduction
Pay yourself first Pay yourself first
What’s a savings account? What’s a savings account?
Opening a savings account Opening a savings account
Making a savings account deposit Making a savings account deposit
Savings deposit using an ATM card Savings deposit using an ATM card
Making a savings account withdrawal Making a savings account withdrawal
CCSS.MATH.CONTENT.4.MD.A.2

Uses four operations to solve word problems involving money

Using a savings account register Using a savings account register
CCSS.MATH.CONTENT.4.MD.A.2

Uses four operations to solve word problems involving money

What is a checking account? What is a checking account?
Using a check register Using a check register
CCSS.MATH.CONTENT.4.MD.A.2

Uses four operations to solve word problems involving money

The parts of a check The parts of a check
Checking account statements Checking account statements
Savings & Checking — Conclusion Savings & Checking — Conclusion

Credit & You

What is credit? What is credit?
Credit cards and loans Credit cards and loans
Minimum payments and the cost of credit Minimum payments and the cost of credit
CCSS.MATH.CONTENT.4.MD.A.2

Uses four operations to solve mulit-step problems

CCSS.MATH.CONTENT.4.OA .A.3

Uses four operations to solve word problems involving money

CCSS.MATH.CONTENT.4.NF.B.4.C

Solve word problems involving multiplication of a fraction by a whole number

CCSS.MATH.CONTENT.4.NF.C.6

Use decimal notation for fractions with denominators 10 or 100

CCSS.MATH.CONTENT.5.NBT.B.7

Add, subtract, multiply, and divide decimals to hundredths

CCSS.MATH.CONTENT.5.NF.B.6

Solve real world problems involving multiplication of fractions and mixed numbers

Budgeting for credit Budgeting for credit
Credit and You — Conclusion Credit and You — Conclusion

Assessment

Assessment Assessment
CCSS.MATH.CONTENT.4.MD.A.2

Uses four operations to solve mulit-step problems

CCSS.MATH.CONTENT.4.OA .A.3

Uses four operations to solve word problems involving money

CCSS.MATH.CONTENT.4.NF.B.4.C

Solve word problems involving multiplication of a fraction by a whole number

CCSS.MATH.CONTENT.4.NF.C.6

Use decimal notation for fractions with denominators 10 or 100

CCSS.MATH.CONTENT.5.NBT.B.7

Add, subtract, multiply, and divide decimals to hundredths

CCSS.MATH.CONTENT.5.NF.B.6

Solve real world problems involving multiplication of fractions and mixed numbers

Teens

Teens

6th-8th graders learn how to earn and save more

Teens know that money is fun to get and spend. But if they learn some money basics, they’ll have more options. Help them start saving and boosting their earning power.

Lessons Common Core Standards

Introduction

Meet Angie and Alex Meet Angie and Alex
Course overview Course overview

You and Your Money

You and Your Money — Introduction You and Your Money — Introduction
What money is and where it comes from What money is and where it comes from
How money moves through the economy How money moves through the economy
Banks and you Banks and you
Getting to your money in the bank Getting to your money in the bank
Value and comparing value Value and comparing value
CCSS.MATH.CONTENT.7.RP.A.3

Use proportional relationships to solve multistep ratio and percent problems

CCSS.MATH.CONTENT.6.NS.B.3

Fluently add, subtract, multiply, and divide multi-digit decimals using the standard algorithm for each operation

CCSS.MATH.CONTENT.6.RP.A.2

Understand the concept of a unit rate a/b associated with a ratio a:b with b ≠ 0, and use rate language in the context of a ratio relationship

Boosting your earning power Boosting your earning power
You and Your Money — Conclusion You and Your Money — Conclusion

Budgeting

Budgeting — Introduction Budgeting — Introduction
Alex’s budget Alex’s budget
Types of expenses Types of expenses
A budget for a family of four A budget for a family of four
CCSS.MATH.CONTENT.7.RP.A.3

Use proportional relationships to solve multistep ratio and percent problems

Build your own budget Build your own budget
Tips for sticking to your budget Tips for sticking to your budget
Working with a budget Working with a budget
Budgeting — Conclusion Budgeting — Conclusion

Savings and Checking Guide

Savings & Checking — Introduction Savings & Checking — Introduction
Savings accounts and interest Savings accounts and interest
Types of savings accounts Types of savings accounts
Opening a savings account Opening a savings account
Making a savings account deposit Making a savings account deposit
Savings deposit with an ATM card Savings deposit with an ATM card
CCSS.MATH.CONTENT.7.RP.A.3

Use proportional relationships to solve multistep ratio and percent problems

CCSS.MATH.CONTENT.6.NS.B.3

Fluently add, subtract, multiply, and divide multi-digit decimals using the standard algorithm for each operation

Withdrawing from a savings account Withdrawing from a savings account
Savings account register and statement Savings account register and statement
Saving for things Saving for things
Checking accounts Checking accounts
The parts of a check The parts of a check
Using a checking account register — Question Using a checking account register — Question
CCSS.MATH.CONTENT.6.NS.B.3

Fluently add, subtract, multiply, and divide multi-digit decimals using the standard algorithm for each operation

Balancing your check book Balancing your check book
CCSS.MATH.CONTENT.6.NS.B.3

Fluently add, subtract, multiply, and divide multi-digit decimals using the standard algorithm for each operation

Savings & Checking — Conclusion Savings & Checking — Conclusion

Credit and You

Credit and You — Introduction Credit and You — Introduction
Lending and trustworthiness Lending and trustworthiness
Credit and spending limits Credit and spending limits
Bad credit and your credit history Bad credit and your credit history
The cost of credit The cost of credit
CCSS.MATH.CONTENT.6.NS.B.3

Fluently add, subtract, multiply, and divide multi-digit decimals using the standard algorithm for each operation

Loans Loans
Credit and You — Conclusion Credit and You — Conclusion

Smart Investing

Smart Investing — Introduction Smart Investing — Introduction
What’s a stock? What’s a stock?
Stocks and risk Stocks and risk
Stock indexes and changes in share price Stock indexes and changes in share price
CCSS.MATH.CONTENT.6.SP.B.5.C

Giving quantitative measures of center (median and/or mean)

CCSS.MATH.CONTENT.6.NS.B.3

Fluently add, subtract, multiply, and divide multi-digit decimals using the standard algorithm for each operation

Mutual funds Mutual funds
Capital gains Capital gains
Smart Investing — Conclusion Smart Investing — Conclusion

Assessment

Assessment Assessment
CCSS.MATH.CONTENT.7.RP.A.3

Use proportional relationships to solve multistep ratio and percent problems

CCSS.MATH.CONTENT.6.NS.B.3

Fluently add, subtract, multiply, and divide multi-digit decimals using the standard algorithm for each operation

CCSS.MATH.CONTENT.6.RP.A.2

Understand the concept of a unit rate a/b associated with a ratio a:b with b ≠ 0, and use rate language in the context of a ratio relationship

CCSS.MATH.CONTENT.6.SP.B.5.C

Giving quantitative measures of center (median and/or mean)

Young Adults

Young Adults

Getting set for a lifetime of financial health

Help young adults (ages 15-21) start their financial lives smart and strong. These courses cover school loans, saving and investing, balancing a budget, and developing strong credit. Please see Common Core State Standards annotations within the Appendix of the Instructor Guide.

Lessons Common Core Standards

Getting Started

The starting point The starting point
Eric needs a plan Eric needs a plan
Money defined — Question 1 Money defined — Question 1
Take it to the bank! Take it to the bank!
You can do it! You can do it!
It’s your money! It’s your money!
Hey … watch out! Hey … watch out!
What you can do starting today What you can do starting today

Earning Money

Income = independence Income = independence
Alicia wants a career Alicia wants a career
How should James deposit his pay? How should James deposit his pay?
Risk vs. reward: A business of your own Risk vs. reward: A business of your own
What you can do starting today What you can do starting today

Spending Smart

What should Daneeka pay first? What should Daneeka pay first?
Making the most of it Making the most of it
Rafael’s cell bill is out of control Rafael’s cell bill is out of control
Should Megan buy a car? Should Megan buy a car?
Consider your options Consider your options
What you can do starting today What you can do starting today

Save, Invest & Build Wealth

Reward yourself Reward yourself
What is investing? What is investing?
Scenario: Building a future Scenario: Building a future
Scenario: Jack considers an investment Scenario: Jack considers an investment
What is wealth-building? What is wealth-building?
What you can do starting today What you can do starting today

All About Credit

Give yourself credit! Give yourself credit!
What is credit? What is credit?
Your credit score and how it’s determined Your credit score and how it’s determined
Scenario: finding an error Scenario: finding an error
Scenario: Pay now or later? Scenario: Pay now or later?
Hudson hunts for a loan Hudson hunts for a loan
Scenario: One more loan? Scenario: One more loan?
What you can do starting today What you can do starting today

School & Money

Reaching higher Reaching higher
Antonio at a turning point Antonio at a turning point
Sources of funds Sources of funds
Katie needs the cash Katie needs the cash
Scenario: Trouble repaying Scenario: Trouble repaying
Is more education in your future? Is more education in your future?
Military

Military

Detailed information for those in the service

Detailed information as well as tools, worksheets, and planners to help anyone in the military (and their families) set and achieve their goals. Includes how to prepare financially for PCS and deployment, as well as to plan a new career.

Lessons Common Core Standards

Banking Basics

What is a financial institution?
What is a savings account?
What is a checking account?
What is an ATM?
Using your bank accounts
Summary — Banking Basics

Spending Smart

Make spending smart an everyday activity
Scenario: A cell bill out of control
Smart car buying
Consider where you will live
What you can do starting today

All About Credit

What is credit?
Your credit score and how it’s determined
Scenario: finding an error
Understanding credit cards
Hudson hunts for a loan
Avoid too much debt
Summary – Using credit wisely

PCS & Deployment

Prepare financially for PCS and deployment
Financial considerations for deployment
Summary — PCS and deployment
What is wealth-building?
Scenario: Consider investing
Managing your portfolio
The wealth-building pyramid
Planning for the future
The benefits of education
Overview: Use military benefits to pay for education
Do you need a student loan?
Is more education in your future?

Buying a Home

Getting ready to buy a home
Before you go house shopping
Finding your home
The money side of homebuying
What is home equity?
Take charge of your home asset
Summary — Buying a home

Planning for Retirement

Start planning now for retirement
Build a retirement strategy team
Summary — Planning for retirement

Career Transition

Prepare for a successful transition
Conduct your research
Finding the job you want
Create an impressive resume
The interview process step-by-step
What to do when you’re offered the job
Summary — Career Transition
Adults

Adults

Help them set and reach their goals

Help adults manage their money responsibly and reach their financial goals. Courses cover credit, managing and protecting finances, planning for retirement, and more.

Lessons Common Core Standards

Basics of Banking Services

What is a financial institution? What is a financial institution?
What is a savings account? What is a savings account?
What is a checking account? What is a checking account?
What is an ATM? What is an ATM?
Using your bank accounts Using your bank accounts
Recap: Basics of bank services Recap: Basics of bank services

Money Management Tools and Tips

The importance of saving The importance of saving
What is a Spending Plan? What is a Spending Plan?
The challenge of car buying The challenge of car buying
Are you a smart shopper? Are you a smart shopper?
Talking to your kids about money Talking to your kids about money
Recap: Money management tools & tips Recap: Money management tools & tips

Protect Yourself Financially

Security at home and online Security at home and online
Scenario 1: On the telephone Scenario 1: On the telephone
Financial services providers can help you Financial services providers can help you
Resources to learn more Resources to learn more
Recap: Protect yourself financially Recap: Protect yourself financially

Using Credit to Your Advantage

Your credit picture Your credit picture
What is credit? What is credit?
Your credit score and how it's determined Your credit score and how it's determined
The basics of credit cards The basics of credit cards
What is a credit report? What is a credit report?
The basics of loans The basics of loans
Using credit wisely Using credit wisely
Recap: Using credit to your advantage Recap: Using credit to your advantage

Planning Your Future

What are you working toward? What are you working toward?
Retirement is as individual as you are Retirement is as individual as you are
What is investing? What is investing?
Build a retirement strategy team Build a retirement strategy team
Managing your portfolio Managing your portfolio
Ready to invest? Ready to invest?
What is wealth building? What is wealth building?
Protect your assets Protect your assets
Recap: Planning your future Recap: Planning your future

Buying a Home

Getting started Getting started
Before you go house shopping Before you go house shopping
How to buy a home How to buy a home
The money side of homebuying The money side of homebuying
What is home equity? What is home equity?
Take charge of your home investment Take charge of your home investment
Recap: Buying a home Recap: Buying a home
Entrepreneurship Seniors

Seniors

Financially healthy golden years

Help seniors, their caregivers and loved ones focus on getting the best out of retirement and learn how to prevent fraud and financial elder abuse.