Student Packet Part 2

© Family Economics & Financial Education – Revised October 2004 – Financial Institutions Unit – Checking Account Simulation – Page 1 Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona

Opening a Checking Account

Account Holder Name: Smith, Sally S. Social Security Number: 000-00-0000 Mailing Address: 500 Great Street Yourtown, MT 55555 Telephone Number: (406) 555-5555 Number of Signatures Required: 1

Signatures of Authorized Individual(s)

X Sally S. Smith

Signature Card Guardian Angel Banking Acct. # 1234567890

Student Packet Part 2

© Family Economics & Financial Education – Revised October 2004 – Financial Institutions Unit – Checking Account Simulation – Page 2 Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona

September Paychecks - Side A

Piggly Wiggly Pay Period 9/1/2003-9/15/2003Employee Smith, Sally

SSN 000-00-0000

Check # 1244

Check Amount $154.01

Employee Address 500 Great Street Yourtown, MT 55555 Hours Worked 30.00 Hourly Rate $6.00

Pay Type-Gross Pay

Deductions Current Year-to-date

$180.00 Federal Withholding State Withholding Social Security Medicare

$7.50 $4.72 $11.16 $2.61

$127.50 $80.24 $189.72 $44.37

Totals $25.99 $441.83

Piggly Wiggly Pay Period 8/1/2003-8/31/2003Employee Smith, Sally

SSN 000-00-0000

Check # 1234

Check Amount $154.01

Employee Address 500 Great Street Yourtown, MT 55555 Hours Worked 30.00 Hourly Rate $6.00

Pay Type-Gross Pay

Deductions Current Year-to-date

$180.00 Federal Withholding State Withholding Social Security Medicare

$7.50 $4.72 $11.16 $2.61

$120.00 $75.52 $178.56 $41.76

Totals $25.99 $415.84

Date

Piggly Wiggly Main Street Yourtown, MT 55555

1234

Dollars

$154.01

93-456-9540 45086244786

Guardian Angel Banking 423 South 15th Yourtown, MT 55555

Sally Smith

September 1, 2003

Memo September Paycheck Piggly Wiggly

One Hundred Fifty-Four and 01/100

Pay to the Order of:

Date

Piggly Wiggly Main Street Yourtown, MT 55555

1244

Dollars

$154.01

93-456-9540 45086244786

Guardian Angel Banking 423 South 15th Yourtown, MT 55555

Sally Smith

September 16, 2003

Memo September Paycheck Piggly Wiggly

One Hundred Fifty-Four and 01/100

Pay to the Order of:

0123456789 : 0987654321 : 1234

0123456789 : 0987654321 : 1244

Student Packet Part 2

© Family Economics & Financial Education – Revised October 2004 – Financial Institutions Unit – Checking Account Simulation – Page 3 Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona

X

DO

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T W

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September Paychecks - Side B

Student Packet Part 2

© Family Economics & Financial Education – Revised October 2004 – Financial Institutions Unit – Checking Account Simulation – Page 4 Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona

Piggly Wiggly Pay Period 10/1/2003-10/15/2003Employee Smith, Sally

SSN 000-00-0000

Check # 1284

Check Amount $154.01

Employee Address 500 Great Street Yourtown, MT 55555 Hours Worked 30.00 Hourly Rate $6.00

Pay Type-Gross Pay

Deductions Current Year-to-date

$180.00 Federal Withholding State Withholding Social Security Medicare

$7.50 $4.72 $11.16 $2.61

$142.50 $89.68 $212.04 $49.59

Totals $25.99 $493.81

Piggly Wiggly Pay Period 9/16/2003-9/30/2003Employee Smith, Sally

SSN 000-00-0000

Check # 1264

Check Amount $154.01

Employee Address 500 Great Street Yourtown, MT 55555 Hours Worked 30.00 Hourly Rate $6.00

Pay Type-Gross Pay

Deductions Current Year-to-date

$180.00 Federal Withholding State Withholding Social Security Medicare

$7.50 $4.72 $11.16 $2.61

$135.00 $84.96 $200.88 $46.98

Totals $25.99 $467.82

Date

Piggly Wiggly Main Street Yourtown, MT 55555

1264

Dollars

$154.01

93-456-9540 45086244786

Guardian Angel Banking 423 South 15th Yourtown, MT 55555

Sally Smith

October 1, 2003

Memo October Paycheck Piggly Wiggly

One Hundred Fifty-Four and 01/100

Pay to the Order of:

Date

Piggly Wiggly Main Street Yourtown, MT 55555

1284

Dollars

$154.01

93-456-9540 45086244786

Guardian Angel Banking 423 South 15th Yourtown, MT 55555

Sally Smith

October 16, 2003

Memo October Paycheck Piggly Wiggly

One Hundred Fifty-Four and 01/100

Pay to the Order of:

October Paychecks - Side A

0123456789 : 0987654321 : 1284

0123456789 : 0987654321 : 1264

Student Packet Part 2

© Family Economics & Financial Education – Revised October 2004 – Financial Institutions Unit – Checking Account Simulation – Page 5 Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona

X

DO

NO

T W

RIT

E, ST

AM

P O

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ELO

W T

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X

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October Paychecks - Side B

Student Packet Part 2

© Family Economics & Financial Education – Revised October 2004 – Financial Institutions Unit – Checking Account Simulation – Page 6 Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona

Piggly Wiggly Pay Period 11/1/2003-11/16/2003

Employee Smith, Sally

SSN 000-00-0000

Check # 1324

Check Amount $154.01

Employee Address 500 Great Street Yourtown, MT 55555 Hours Worked 30.00 Hourly Rate $6.00

Pay Type-Gross Pay

Deductions Current Year-to-date

$180.00 Federal Withholding State Withholding Social Security Medicare

$7.50 $4.72 $11.16 $2.61

$157.50 $99.12 $234.36 $54.81

Totals $25.99 $545.79

Piggly Wiggly Pay Period 10/16/2003-10/31/2003Employee Smith, Sally

SSN 000-00-0000

Check # 1304

Check Amount $154.01

Employee Address 500 Great Street Yourtown, MT 55555 Hours Worked 30.00 Hourly Rate $6.00

Pay Type-Gross Pay

Deductions Current Year-to-date

$180.00 Federal Withholding State Withholding Social Security Medicare

$7.50 $4.72 $11.16 $2.61

$150.00 $94.40 $223.20 $52.20

Totals $25.99 $519.80

Date

Piggly Wiggly Main Street Yourtown, MT 55555

1304

Dollars

$154.01

93-456-9540 45086244786

Guardian Angel Banking 423 South 15th Yourtown, MT 55555

Sally Smith

November 1, 2003

Memo November Paycheck Piggly Wiggly

One Hundred Fifty-Four and 01/100

Pay to the Order of:

Date

Piggly Wiggly Main Street Yourtown, MT 55555

1324

Dollars

$154.01

93-456-9540 45086244786

Guardian Angel Banking 423 South 15th Yourtown, MT 55555

Sally Smith

November 16, 2003

Memo November Paycheck Piggly Wiggly

One Hundred Fifty-Four and 01/100

Pay to the Order of:

November Paychecks - Side A

0123456789 : 0987654321 : 1304

0123456789 : 0987654321 : 1324

Student Packet Part 2

© Family Economics & Financial Education – Revised October 2004 – Financial Institutions Unit – Checking Account Simulation – Page 7 Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona

X

DO

NO

T W

RIT

E, ST

AM

P O

R SIG

N B

ELO

W T

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D FO

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X

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November Paychecks - Side B

Student Packet Part 2

© Family Economics & Financial Education – Revised October 2004 – Financial Institutions Unit – Checking Account Simulation – Page 8 Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona

Birthday Checks - Side A

Date

Memo

Paula Smith 700 Friendly Boulevard Yourtown, MT 55555

5678

Dollars

$40.00

99-123-4789 78945612377

Guardian Angel Banking 423 South 15th Yourtown, MT 55555

Sally Smith

October 4, 2003

Birthday Gift Paula Smith

Forty and no/100

Pay to the Order of:

0123456789 : 1212121212 : 5678

Date

Memo

Anna Anderson 341 56th Street Yourtown, MT 55555

1125

Dollars

$35.00

11-865-2524 65432198711

Guardian Angel Banking 423 South 15th Yourtown, MT 55555

Sally Smith

October 4, 2003

Birthday Gift Anna Anderson

thirty-five and no/100

Pay to the Order of:

0123456789 : 3434343434 : 1125

Date

Memo

Henry T. White 100 8th Avenue South Yourtown, MT 55555

2426

Dollars

$50.00

88-321-9875 74185296385

Guardian Angel Banking 423 South 15th Yourtown, MT 55555

Sally Smith

October 4, 2003

Birthday Gift Henry T. White

Fifty and no/100

Pay to the Order of:

0123456789 : 5656565656 : 2426

Student Packet Part 2

© Family Economics & Financial Education – Revised October 2004 – Financial Institutions Unit – Checking Account Simulation – Page 9 Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona

Birthday Checks - Side B

X

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Student Packet Part 2

© Family Economics & Financial Education – Revised October 2004 – Financial Institutions Unit – Checking Account Simulation – Page 10 Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona

Date

Memo

Alan Smith 900 Water Way Yourtown, MT 55555

691

Dollars

$50.00

99-123-4789 78945612377

Guardian Angel Banking 423 South 15th Yourtown, MT 55555

Sally Smith

October 4, 2003

Birthday Gift Alan Smith

fifty and no/100

Pay to the Order of:

Birthday Checks 2 - Side A

0123456789 : 7878787878 : 691

Student Packet Part 2

© Family Economics & Financial Education – Revised October 2004 – Financial Institutions Unit – Checking Account Simulation – Page 11 Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona

X

DO

NO

T W

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AM

P O

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N B

ELO

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D FO

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Endorse H

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Birthday Checks 2 - Side B

Student Packet Part 2

© Family Economics & Financial Education – Revised October 2004 – Financial Institutions Unit – Checking Account Simulation – Page 12 Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona

Sally Smith 500 Great Street Yourtown, MT 55555

93-456-9540 45086244786

Guardian Angel Banking 423 South 15th Yourtown, MT 55555

Deposit Ticket

0123456789 : 1234567890 "

Date

CASH Dollars Cents

CHECKS LIST SINGLY

TOTAL FROM OTHER SIDE

SUBTOTAL

* Less Cash Received

NET DEPOSIT $

SIGN HERE FOR CASH RECEIVED

DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL

Sally Smith 500 Great Street Yourtown, MT 55555

93-456-9540 45086244786

Guardian Angel Banking 423 South 15th Yourtown, MT 55555

Deposit Ticket

0123456789 : 1234567890 "

Date

CASH Dollars Cents

CHECKS LIST SINGLY

TOTAL FROM OTHER SIDE

SUBTOTAL

* Less Cash Received

NET DEPOSIT $

SIGN HERE FOR CASH RECEIVED

DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL

Sally Smith 500 Great Street Yourtown, MT 55555

93-456-9540 45086244786

Guardian Angel Banking 423 South 15th Yourtown, MT 55555

Deposit Ticket

0123456789 : 1234567890 "

Date

CASH Dollars Cents

CHECKS LIST SINGLY

TOTAL FROM OTHER SIDE

SUBTOTAL

* Less Cash Received

NET DEPOSIT $

SIGN HERE FOR CASH RECEIVED

DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL

Deposit Tickets - Side A

Stud

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CHECKS LIST SINGLY

Dollars Cents

1.

2.

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7.

8.

9.

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12.

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TOTAL ENTER ON FRONT

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CHECKS LIST SINGLY

Dollars Cents

1.

2.

3.

4.

5.

6.

7.

8.

9.

10.

11.

12.

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TOTAL ENTER ON FRONT

$

CHECKS LIST SINGLY

Dollars Cents

1.

2.

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7.

8.

9.

10.

11.

12.

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TOTAL ENTER ON FRONT

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Dep

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Tic

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de B

Student Packet Part 2

© Family Economics & Financial Education – Revised October 2004 – Financial Institutions Unit – Checking Account Simulation – Page 14 Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona

Sally Smith 500 Great Street Yourtown, MT 55555

93-456-9540 45086244786

Guardian Angel Banking 423 South 15th Yourtown, MT 55555

Deposit Ticket

0123456789 : 1234567890 "

Date

CASH Dollars Cents

CHECKS LIST SINGLY

TOTAL FROM OTHER SIDE

SUBTOTAL

* Less Cash Received

NET DEPOSIT $

SIGN HERE FOR CASH RECEIVED

DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL

Sally Smith 500 Great Street Yourtown, MT 55555

93-456-9540 45086244786

Guardian Angel Banking 423 South 15th Yourtown, MT 55555

Deposit Ticket

0123456789 : 1234567890 "

Date

CASH Dollars Cents

CHECKS LIST SINGLY

TOTAL FROM OTHER SIDE

SUBTOTAL

* Less Cash Received

NET DEPOSIT $

SIGN HERE FOR CASH RECEIVED

DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL

Sally Smith 500 Great Street Yourtown, MT 55555

93-456-9540 45086244786

Guardian Angel Banking 423 South 15th Yourtown, MT 55555

Deposit Ticket

0123456789 : 1234567890 "

Date

CASH Dollars Cents

CHECKS LIST SINGLY

TOTAL FROM OTHER SIDE

SUBTOTAL

* Less Cash Received

NET DEPOSIT $

SIGN HERE FOR CASH RECEIVED

DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL

Deposit Tickets 2 - Side A

Stud

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© F

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CHECKS LIST SINGLY

Dollars Cents

1.

2.

3.

4.

5.

6.

7.

8.

9.

10.

11.

12.

13.

TOTAL ENTER ON FRONT

$

CHECKS LIST SINGLY

Dollars Cents

1.

2.

3.

4.

5.

6.

7.

8.

9.

10.

11.

12.

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TOTAL ENTER ON FRONT

$

CHECKS LIST SINGLY

Dollars Cents

1.

2.

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7.

8.

9.

10.

11.

12.

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TOTAL ENTER ON FRONT

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Dep

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Side

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Student Packet Part 2

© Family Economics & Financial Education – Revised October 2004 – Financial Institutions Unit – Checking Account Simulation – Page 16 Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona

Sally Smith 500 Great Street Yourtown, MT 55555

93-456-9540 45086244786

Guardian Angel Banking 423 South 15th Yourtown, MT 55555

Deposit Ticket

0123456789 : 1234567890 "

Date

CASH Dollars Cents

CHECKS LIST SINGLY

TOTAL FROM OTHER SIDE

SUBTOTAL

* Less Cash Received

NET DEPOSIT $

SIGN HERE FOR CASH RECEIVED

DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL

Deposit Tickets 3 - Side A

Student Packet Part 2

© Family Economics & Financial Education – Revised October 2004 – Financial Institutions Unit – Checking Account Simulation – Page 17 Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona

CH

EC

KS

LIST S

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Dollars

Cents

1.

2.

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7.

8.

9.

10.

11.

12.

13.

TO

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Deposit Tickets 3 - Side B

Student Packet Part 2

© Family Economics & Financial Education – Revised October 2004 – Financial Institutions Unit – Checking Account Simulation – Page 18 Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona

Date

Memo

Sally Smith 500 Great Street Yourtown, MT 55555

500

Dollars

$

93-456-9540 45086244786

Guardian Angel Banking 423 South 15th Yourtown, MT 55555

Pay to the Order Of

0123456789 : 1234567890 : 500

Date

Memo

Sally Smith 500 Great Street Yourtown, MT 55555

501

Dollars

$

93-456-9540 45086244786

Guardian Angel Banking 423 South 15th Yourtown, MT 55555

Pay to the Order Of

0123456789 : 1234567890 : 501

Date

Memo

Sally Smith 500 Great Street Yourtown, MT 55555

502

Dollars

$

93-456-9540 45086244786

Guardian Angel Banking 423 South 15th Yourtown, MT 55555

Pay to the Order Of

0123456789 : 1234567890 : 502

Personal Checks 500 - 502

Student Packet Part 2

© Family Economics & Financial Education – Revised October 2004 – Financial Institutions Unit – Checking Account Simulation – Page 19 Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona

Date

Memo

Sally Smith 500 Great Street Yourtown, MT 55555

503

Dollars

$

93-456-9540 45086244786

Guardian Angel Banking 423 South 15th Yourtown, MT 55555

Pay to the Order of

0123456789 : 1234567890 : 503

Date

Memo

Sally Smith 500 Great Street Yourtown, MT 55555

504

Dollars

$

93-456-9540 45086244786

Guardian Angel Banking 423 South 15th Yourtown, MT 55555

Pay to the Order of

0123456789 : 1234567890 : 504

Date

Memo

Sally Smith 500 Great Street Yourtown, MT 55555

505

Dollars

$

93-456-9540 45086244786

Guardian Angel Banking 423 South 15th Yourtown, MT 55555

Pay to the Order of

0123456789 : 1234567890 : 505

Personal Checks 503 - 505

Student Packet Part 2

© Family Economics & Financial Education – Revised October 2004 – Financial Institutions Unit – Checking Account Simulation – Page 20 Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona

Date

Memo

Sally Smith 500 Great Street Yourtown, MT 55555

506

Dollars

$

93-456-9540 45086244786

Guardian Angel Banking 423 South 15th Yourtown, MT 55555

Pay to the Order of

0123456789 : 1234567890 : 506

Date

Memo

Sally Smith 500 Great Street Yourtown, MT 55555

507

Dollars

$

93-456-9540 45086244786

Guardian Angel Banking 423 South 15th Yourtown, MT 55555

Pay to the Order of

0123456789 : 1234567890 : 507

Date

Memo

Sally Smith 500 Great Street Yourtown, MT 55555

508

Dollars

$

93-456-9540 45086244786

Guardian Angel Banking 423 South 15th Yourtown, MT 55555

Pay to the Order of

0123456789 : 1234567890 : 508

Personal Checks 506 - 508

Student Packet Part 2

© Family Economics & Financial Education – Revised October 2004 – Financial Institutions Unit – Checking Account Simulation – Page 21 Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona

Date

Memo

Sally Smith 500 Great Street Yourtown, MT 55555

509

Dollars

$

93-456-9540 45086244786

Guardian Angel Banking 423 South 15th Yourtown, MT 55555

Pay to the Order of

0123456789 : 1234567890 : 509

Date

Memo

Sally Smith 500 Great Street Yourtown, MT 55555

510

Dollars

$

93-456-9540 45086244786

Guardian Angel Banking 423 South 15th Yourtown, MT 55555

Pay to the Order of

0123456789 : 1234567890 : 510

Date

Memo

Sally Smith 500 Great Street Yourtown, MT 55555

511

Dollars

$

93-456-9540 45086244786

Guardian Angel Banking 423 South 15th Yourtown, MT 55555

Pay to the Order of

0123456789 : 1234567890 : 511

Personal Checks 509 - 511

Student Packet Part 2

© Family Economics & Financial Education – Revised October 2004 – Financial Institutions Unit – Checking Account Simulation – Page 22 Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona

Date

Memo

Sally Smith 500 Great Street Yourtown, MT 55555

512

Dollars

$

93-456-9540 45086244786

Guardian Angel Banking 423 South 15th Yourtown, MT 55555

Pay to the Order of

0123456789 : 1234567890 : 512

Date

Memo

Sally Smith 500 Great Street Yourtown, MT 55555

513

Dollars

$

93-456-9540 45086244786

Guardian Angel Banking 423 South 15th Yourtown, MT 55555

Pay to the Order of

0123456789 : 1234567890 : 513

Date

Memo

Sally Smith 500 Great Street Yourtown, MT 55555

514

Dollars

$

93-456-9540 45086244786

Guardian Angel Banking 423 South 15th Yourtown, MT 55555

Pay to the Order of

0123456789 : 1234567890 : 514

Personal Checks 512 - 514

Student Packet Part 2

© Family Economics & Financial Education – Revised October 2004 – Financial Institutions Unit – Checking Account Simulation – Page 23 Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona

Date

Memo

Sally Smith 500 Great Street Yourtown, MT 55555

515

Dollars

$

93-456-9540 45086244786

Guardian Angel Banking 423 South 15th Yourtown, MT 55555

Pay to the Order of

0123456789 : 1234567890 : 515

Date

Memo

Sally Smith 500 Great Street Yourtown, MT 55555

516

Dollars

$

93-456-9540 45086244786

Guardian Angel Banking 423 South 15th Yourtown, MT 55555

Pay to the Order of

0123456789 : 1234567890 : 516

Date

Memo

Sally Smith 500 Great Street Yourtown, MT 55555

517

Dollars

$

93-456-9540 45086244786

Guardian Angel Banking 423 South 15th Yourtown, MT 55555

Pay to the Order of

0123456789 : 1234567890 : 517

Personal Checks 515 - 517

Student Packet Part 2

© Family Economics & Financial Education – Revised October 2004 – Financial Institutions Unit – Checking Account Simulation – Page 24 Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona

Date

Memo

Sally Smith 500 Great Street Yourtown, MT 55555

518

Dollars

$

93-456-9540 45086244786

Guardian Angel Banking 423 South 15th Yourtown, MT 55555

Pay to the Order of

0123456789 : 1234567890 : 518

Date

Memo

Sally Smith 500 Great Street Yourtown, MT 55555

519

Dollars

$

93-456-9540 45086244786

Guardian Angel Banking 423 South 15th Yourtown, MT 55555

Pay to the Order of

0123456789 : 1234567890 : 519

Date

Memo

Sally Smith 500 Great Street Yourtown, MT 55555

520

Dollars

$

93-456-9540 45086244786

Guardian Angel Banking 423 South 15th Yourtown, MT 55555

Pay to the Order of

0123456789 : 1234567890 : 520

Personal Checks 518 - 520

Student Packet Part 2

© Family Economics & Financial Education – Revised October 2004 – Financial Institutions Unit – Checking Account Simulation – Page 25 Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona

Date

Memo

Sally Smith 500 Great Street Yourtown, MT 55555

521

Dollars

$

93-456-9540 45086244786

Guardian Angel Banking 423 South 15th Yourtown, MT 55555

Pay to the Order of

0123456789 : 1234567890 : 521

Date

Memo

Sally Smith 500 Great Street Yourtown, MT 55555

522

Dollars

$

93-456-9540 45086244786

Guardian Angel Banking 423 South 15th Yourtown, MT 55555

Pay to the Order of

0123456789 : 1234567890 : 522

Date

Memo

Sally Smith 500 Great Street Yourtown, MT 55555

523

Dollars

$

93-456-9540 45086244786

Guardian Angel Banking 423 South 15th Yourtown, MT 55555

Pay to the Order of

0123456789 : 1234567890 : 523

Personal Checks 521 - 523

Student Packet Part 2

© Family Economics & Financial Education – Revised October 2004 – Financial Institutions Unit – Checking Account Simulation – Page 26 Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona

Date

Memo

Sally Smith 500 Great Street Yourtown, MT 55555

524

Dollars

$

93-456-9540 45086244786

Guardian Angel Banking 423 South 15th Yourtown, MT 55555

Pay to the Order of

0123456789 : 1234567890 : 524

Date

Memo

Sally Smith 500 Great Street Yourtown, MT 55555

525

Dollars

$

93-456-9540 45086244786

Guardian Angel Banking 423 South 15th Yourtown, MT 55555

Pay to the Order of

0123456789 : 1234567890 : 525

Date

Memo

Sally Smith 500 Great Street Yourtown, MT 55555

526

Dollars

$

93-456-9540 45086244786

Guardian Angel Banking 423 South 15th Yourtown, MT 55555

Pay to the Order of

0123456789 : 1234567890 : 526

Personal Checks 524 - 526

Student Packet Part 2

© Family Economics & Financial Education – Revised October 2004 – Financial Institutions Unit – Checking Account Simulation – Page 27 Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona

Date

Memo

Sally Smith 500 Great Street Yourtown, MT 55555

527

Dollars

$

93-456-9540 45086244786

Guardian Angel Banking 423 South 15th Yourtown, MT 55555

Pay to the Order of

0123456789 : 1234567890 : 527

Date

Memo

Sally Smith 500 Great Street Yourtown, MT 55555

528

Dollars

$

93-456-9540 45086244786

Guardian Angel Banking 423 South 15th Yourtown, MT 55555

Pay to the Order of

0123456789 : 1234567890 : 528

Date

Memo

Sally Smith 500 Great Street Yourtown, MT 55555

529

Dollars

$

93-456-9540 45086244786

Guardian Angel Banking 423 South 15th Yourtown, MT 55555

Pay to the Order of

0123456789 : 1234567890 : 529

Personal Checks 527 - 529

Student Packet Part 2

© Family Economics & Financial Education – Revised October 2004 – Financial Institutions Unit – Checking Account Simulation – Page 28 Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona

Date

Memo

Sally Smith 500 Great Street Yourtown, MT 55555

530

Dollars

$

93-456-9540 45086244786

Guardian Angel Banking 423 South 15th Yourtown, MT 55555

Pay to the Order of

0123456789 : 1234567890 : 530

Personal Checks 530

Student Packet Part 2

© Family Economics & Financial Education – Revised October 2004 – Financial Institutions Unit – Checking Account Simulation – Page 29 Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona

DATE NUMBER DESCRIPTION OF TRANSACTION

PAYMENT/DEBIT (-)

DEPOSIT/CREDIT (+)

√ T

FEE (IF

ANY)

BALANCE

$

$ $ $

RECORD ALL CHARGES OR CREDITS THAT AFFECT YOUR ACCOUNT

Check Register 1

Student Packet Part 2

© Family Economics & Financial Education – Revised October 2004 – Financial Institutions Unit – Checking Account Simulation – Page 30 Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona

DATE NUMBER DESCRIPTION OF TRANSACTION

PAYMENT/DEBIT (-)

DEPOSIT/CREDIT (+)

√ T

FEE (IF

ANY)

BALANCE

$

$ $ $

RECORD ALL CHARGES OR CREDITS THAT AFFECT YOUR ACCOUNT

Check Register 2

Student Packet Part 2

© Family Economics & Financial Education – Revised October 2004 – Financial Institutions Unit – Checking Account Simulation – Page 31 Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona

DATE NUMBER DESCRIPTION OF TRANSACTION

PAYMENT/DEBIT (-)

DEPOSIT/CREDIT (+)

√ T

FEE (IF

ANY)

BALANCE

$

$ $ $

RECORD ALL CHARGES OR CREDITS THAT AFFECT YOUR ACCOUNT

Check Register 3

Student Packet Part 2

© Family Economics & Financial Education – Revised October 2004 – Financial Institutions Unit – Checking Account Simulation – Page 32 Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona

STATEMENT FOR: SALLY SMITH 500 GREAT STREET YOURTOWN, MT 55555

GUARDIAN ANGEL BANKING 423 SOUTH 15TH YOURTOWN, MT 55555

THIS STATEMENT COVERS: 9/1/03 THROUGH 9/30/03

Opening Account Balance on 8/31 $200.00 Total Deposits $308.02 + Total Withdrawals $414.18- New Balance $ 93.84

CHECKING ACCOUNT #1234567890

DEPOSITS AND OTHER CREDITS

Date Posted Transaction Amount 9/3 Deposit at South 15th Branch $154.01 9/17 Deposit at South 15th Branch $154.01 Total Deposits $308.02

WITHDRAWALS Date Posted Check # Amount 9/4 500 $79.40 9/5 501 $15.78 9/9 502 $30.00 9/9 Debit Card The Clothing Store $78.60 9/10 503 $ 9.50 9/16 504 $ 3.99 9/16 ATM #125 Cash Withdrawal $40.00 9/18 505 $16.92 9/20 506 $ 5.00 9/23 Debit Card Theater Square $10.00 9/27 *508 $49.99 9/30 Debit Card Formal Wear $75.00 Total Withdrawals $414.18

September 2003 Statement

Student Packet Part 2

© Family Economics & Financial Education – Revised October 2004 – Financial Institutions Unit – Checking Account Simulation – Page 33 Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona

Reconciling a Checking Account

Withdrawals Outstanding

Number Amount

Total

Deposits Outstanding

Date Amount

Total

ENTER Bank Statement Balance $ ADD (+) Outstanding Deposits $ SUBTOTAL (=) $ SUBTRACT (-) Outstanding Withdrawals $ CALCULATE (=) Total should be the same as the checkbook register $

Reconciling September 2003 Worksheet

Student Packet Part 2

© Family Economics & Financial Education – Revised October 2004 – Financial Institutions Unit – Checking Account Simulation – Page 34 Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona

STATEMENT FOR: SALLY SMITH 500 GREAT STREET YOURTOWN, MT 55555

GUARDIAN ANGEL BANKING 423 SOUTH 15TH YOURTOWN, MT 55555

THIS STATEMENT COVERS: 10/1/03 THROUGH 10/31/03

Previous Statement Balance on 9/30 $ 93.84 Total Deposits $483.02+ Total Withdrawals $320.99- New Balance $255.87

CHECKING ACCOUNT #1234567890

DEPOSITS AND OTHER CREDITS

Date Posted Transaction Amount 10/2 Deposit at South 15th Branch $154.01 10/5 Deposit at South 15th Branch $175.00 10/18 Deposit at South 15th Branch $154.01 Total Deposits $483.02

WITHDRAWALS Date Posted Check # Amount 10/1 *507 $12.50 10/1 *509 $20.00 10/1 Debit Card SuperMart $14.75 10/3 510 $79.40 10/5 Debit Card Gas ‘N’ Go $14.79 10/10 511 $20.00 10/11 512 $26.00 10/15 *514 $10.00 10/21 ATM #579 Cash Withdrawal $61.50 10/21 Non-Financial ATM Service Charge $ 2.00 10/22 Debit Card The Main Video $ 7.50 10/25 *516 $17.55 10/30 *518 $35.00 Total Withdrawals $320.99

October 2003 Statement

Student Packet Part 2

© Family Economics & Financial Education – Revised October 2004 – Financial Institutions Unit – Checking Account Simulation – Page 35 Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona

Withdrawals Outstanding

Number Amount

Total

Deposits Outstanding

Date Amount

Total

ENTER Bank Statement Balance $ ADD (+) Outstanding Deposits $ SUBTOTAL (=) $ SUBTRACT (-) Outstanding Withdrawals $ CALCULATE (=) Total should be the same as the checkbook register $

Reconciling October 2003 Worksheet

Reconciling a Checking Account

Student Packet Part 2

© Family Economics & Financial Education – Revised October 2004 – Financial Institutions Unit – Checking Account Simulation – Page 36 Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona

STATEMENT FOR: SALLY SMITH 500 GREAT STREET YOURTOWN, MT 55555

GUARDIAN ANGEL BANKING 423 SOUTH 15TH YOURTOWN, MT 55555

THIS STATEMENT COVERS: 11/1/03 THROUGH 11/30/03

Previous Statement Balance on 10/31 $255.87 Total Deposits $308.02 + Total Withdrawals $542.64- New Balance $ 21.25

CHECKING ACCOUNT #1234567890

DEPOSITS AND OTHER CREDITS

Date Posted Transaction Amount 11/3 Deposit at South 15th Branch $154.01 11/19 Deposit at South 15th Branch $154.01 Total Deposits $308.02

WITHDRAWALS Date Posted Check # Amount 11/1 *513 $129.98 11/1 *515 $ 25.00 11/1 *517 $ 10.00 11/1 Debit Card S.T. Bookstore $ 15.45 11/4 519 $ 79.40 11/9 520 $100.00 11/12 521 $ 16.15 11/15 *523 $ 3.99 11/19 524 $ 14.00 11/21 525 $ 7.75 11/22 526 $ 15.95 11/25 527 $ 26.50 11/25 Debit Card Theater Square $ 10.00 11/26 528 $ 16.97 11/27 529 $ 16.15 11/29 530 $ 55.35 Total Withdrawals $542.64

November 2003 Bank Statement

Student Packet Part 2

© Family Economics & Financial Education – Revised October 2004 – Financial Institutions Unit – Checking Account Simulation – Page 37 Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona

Withdrawals Outstanding

Number Amount

Total

Deposits Outstanding

Date Amount

Total

ENTER Bank Statement Balance $ ADD (+) Outstanding Deposits $ SUBTOTAL (=) $ SUBTRACT (-) Outstanding Withdrawals $ CALCULATE (=) Total should be the same as the checkbook register $

Reconciling November 2003 Worksheet

Reconciling a Checking Account