•Activity 1………….Why Do You Need A Bank? •Activity 2………The Many Services of a Bank...

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• Activity 1………….Why Do You Need A Bank? • Activity 2………The Many Services of a Bank • Activity 3….The ABCs of a Checking Account • Activity 4……….Opening a Checking Account • Activity 5………………….How to Write a Check • Activity 6…..Maintaining a Checking Account • Activity 7……The ABCs of a Savings Account

Transcript of •Activity 1………….Why Do You Need A Bank? •Activity 2………The Many Services of a Bank...

Page 1: •Activity 1………….Why Do You Need A Bank? •Activity 2………The Many Services of a Bank •Activity 3….The ABCs of a Checking Account •Activity 4……….Opening a.

• Activity 1………….Why Do You Need A Bank?• Activity 2………The Many Services of a Bank• Activity 3….The ABCs of a Checking Account• Activity 4……….Opening a Checking Account• Activity 5………………….How to Write a Check• Activity 6…..Maintaining a Checking Account• Activity 7……The ABCs of a Savings Account

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Basic Banking Services - Activity 1

ACTIVITY 1

Why Do YouNeed a Bank?

Overview

• Purposes of banks• The differences between banks and

credit unions• Safety of financial institutions• Banks as money management tools• The Earned Income Tax Credit

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SAFETY OF FINANCIAL INSTITUTIONS

COMMERCIAL BANKS CREDIT UNIONS

Slide 1 – Safety of Financial Institutions Lesson Reference: Basic Banking Services, Activity 1 – Overhead 3 3

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THE EARNED INCOME TAX CREDIT

The Earned Income Tax Credit (EITC) is a federal tax credit used to reduce the tax burden on low-income working people and to supplement low-income working people’s wages. Low-income workers often use this refund for the initial deposit required to open a bank account and then pay off debt, save for emergencies, or save for long-term goals such as homeownership.

Workers are eligible for the EITC when they earn an annual income that is less than a specified amount. This is possible even if they have no tax liability and no money was withheld from their paychecks for taxes.

In order to qualify for the EITC, a taxpayer must have a Social Security Number and an annual income and/or investment income that falls below a certain level. Contact the IRS, a tax preparer, or a VITA representative to obtain the current income level requirements.

Slide 2 – EITC Lesson Reference: Basic Banking Services, Activity 1 – Handout 2 4

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Basic Banking Services - Activity 2

ACTIVITY 2

The Many Servicesof a Bank

Overview

• Financial services provided by a bank• Bank employees• Services that might be of personal benefit• The impact of state and federal

regulations upon the security of a bank

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REMITTANCE OPTIONS TO SEND AND RECEIVE MONEY

1. Money Transfer Organizations2. Bank Transfers3. Hand Delivery4. Mail5. Hawala6. Post Offices7. Stored Value Cards

Slide 1 – Remittance Options

Lesson Reference: Basic Banking Services, Activity 2 - Overhead 1 6

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BANK OCCUPATIONS

• Tellers

• Platform Bankers

• Mortgage Lenders

• Operations Manager

• Branch Manager

Slide 2 – Bank Occupations Lesson Reference: Basic Banking Services, Activity 2 – Overhead 27

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ELECTRONIC BANK SERVICESOnline banking is the fastest growing

Internetactivity in the U.S.

Types of Services

•Bank Cards

•Automated Services

Protect Your Passwords!Slide 3 - Electronic Bank Services

Lesson Reference: Basic Banking Services, Activity 2 – Overhead 3 8

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BANK CARD TYPES

Slide 4 - Bank Card Types Lesson Reference: Basic Banking Services, Activity 2 – Overhead 4

TYPE• Check Cards or

ATM/Debit Cards

•

Stored Value Cards

DESCRIPTION• Bank cards that allow for the

payment of goods and services to be subtracted directly from a bank deposit account.

• Can be used with merchants that take major credit cards—known as point of sale (POS) transactions.

• Bank cards with preset, limited value.

• Used to pay for goods and services.

• Alternative to cash.9

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ELECTRONIC BANK SERVICES

• Direct Deposit

• Transfers between Accounts

• Transfers to a Third Party

• Online Banking

• Bank by Phone

• ATM

Slide 5 – Electronic Bank Services

Lesson Reference: Basic Banking Services, Activity 2 – Handout 3 10

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REGULATION OF ELECTRONICBANKING SERVICES

Electronic Fund Transfer ActProtects consumers using any type of electronic banking from loss and protects their privacy.

Banks must:• Offer consumers a record or receipt for all

computer transactions.• Investigate errors and report to consumer within

ten days of error notification.

Customers are responsible to report any errors.Slide 6 - Regulation of Electronic Banking

Lesson Reference: Basic Banking Services, Activity 2 – Overhead 5 11

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Basic Banking Services - Activity 3

ACTIVITY 3

The ABCs of a Checking Account

Overview

• Purposes of a checking account• Shopping for and comparing checking

accounts

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Slide 1 - Checking Account Terms Lesson Reference: Basic Banking Services, Activity 3 – Handout 1

CHECKING ACCOUNT TERMS

•Bank Statement•Cancelled Check•Check•Check Register/Ledger•Endorsement•Fee• Interest•Minimum Balance

•Outstanding Transactions

•Overdraft•Overdraft Protection•Payee•Reconciling a Bank

Statement•Transaction Limits

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Slide 2 - Shopping Around Lesson Reference: Basic Banking Services, Activity 3 - Handout 2

SHOPPINGAROUND

(THINGS TO ASK ABOUT

WHENOPENING A CHECKING ACCOUNT)

SERVICESLocation of bankLocation of ATMsBanking hoursMinimum balance requiredMinimum transactions or limitsInterest-bearing accounts?Other

COSTSNon-primary bank ATM transactionsIn-branch transaction feesPer-check feesOther checking feesOverdraft protectionPrinting of checks

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Basic Banking Services - Activity 4

ACTIVITY 4

Opening a Checking Account

Overview

• Checking Account Application Process• The Application• Acceptable Forms of ID• The Signature Authorization Card• The PATRIOT Act

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Slide 1 – Opening a Checking Account

Lesson Reference: Basic Banking Services, Activity 4 – Handout 1

OPENING A CHECKING ACCOUNT

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Slide 2 - Commonly Accepted Forms of ID Lesson Reference: Basic Banking Services, Activity 4 – Handout 2

Primary ID*

•Photo Driver’s License issued

within the U.S. or Canada

•State Non-Driver Photo ID

•Photo Learner’s Permit

•Government Photo ID

•U.S. Passport

•Non-U.S. Passport

•Resident Registration Card

•Mexican Consular ID (Matricula Consular)

* Financial institutions' ID requirements may differ; check with the institution first before applying for an account.

COMMONLY ACCEPTED FORMS OF ID

•Naturalization Certificate

•Employee Photo ID (from a recognizable employer)

•Photo Trade License (barber, plumber, electrician, etc.)

•Student Photo ID (college/trade school)

•Medicare Card (must be 65 or older)

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Slide 3 - Commonly Accepted Forms of ID Lesson Reference: Basic Banking Services, Activity 4 – Handout 2

Secondary ID*

•Pay Stub

•Car Registration

•Mortgage Statement

•Letter of Introduction from Bank, Embassy, or well-known Employer

•Welfare Card

•Supplemental Health Insurance Card

* Financial institutions' ID requirements may differ; check with the institution first before applying for an account.

COMMONLY ACCEPTED FORMS OF ID

•Foreign Driver’s License

•State/Local Gun Permit

•Utility Bill (Name and address

of individual account should be listed)

•Current Bank Statement

•National Credit Card

•Bank-issued Debit or Check Card

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THE PATRIOT ACT

Congress passed the PATRIOT Act in response to the terrorist attacks of September 11, 2001. Financial institutions are now required to collect certain information when a new account is opened.

Slide 4 – The PATRIOT Act

Lesson Reference: Basic Banking Services, Activity 4 – Overhead 1

1. The customer must provide identification that includes name, date of birth, address, and identification number.

2. The institution must maintain a copy of the information used to verify the person’s identity.

3. The institution must determine whether the applicant appears on the lists of known or suspected terrorists or terrorist organizations.

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Slide 5 – Signature Authorization Card

Lesson Reference: Basic Banking Services, Activity 4 – Handout 3

SIGNATURE AUTHORIZATION CARD

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Basic Banking Services - Activity 5

ACTIVITY 5

How to Write a Check

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Slide 1 - Writing a Check Lesson Reference: Basic Banking Services, Activity 5 – Handout 1

WRITING A CHECK

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Basic Banking Services - Activity 6

ACTIVITY 6

Maintaining aChecking Account

Overview

• Check 21• Keeping a check register• Making a deposit into a checking account• Reconciling a bank statement• Maintaining a checking account• Avoiding Overdrafts

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Slide 1 – Check 21

Lesson Reference: Basic Banking Services, Activity 6 – Handout 1

CHECK 21

Check 21 is a federal law that helps banks handle more checks electronically and that makes check processing faster and more efficient.

Under this law, a check deposited in a bank is typically “delivered” overnight to the paying bank and deducted from the checkwriter’s account on the next business day.

Money may be deducted from your checking account almost immediately.

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KEEPING A CHECK REGISTER

Slide 2 - Keeping a Check Register Lesson Reference: Basic Banking Services, Activity 6 – Handout 225

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Slide 3 - Making a Deposit - Endorsing a Check

Lesson Reference: Basic Banking Services, Activity 6 – Handout 2

MAKING A DEPOSIT - ENDORSING A CHECK

Restrictive Endorsement(most secure)

Blank Endorsement(least secure)

Endorsement to a third party

The Back Side of a Check

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Slide 4 - Making a Deposit - Completing a Deposit Slip Lesson Reference: Basic Banking Services, Activity 6 – Handout 2

MAKING A DEPOSIT - COMPLETING A DEPOSIT

SLIP

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Slide 5 - Reconciling a Bank Statement Lesson Reference: Basic Banking Services, Activity 6 – Handout 2

RECONCILING A BANK STATEMENT

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OVERDRAFTS AND BOUNCED CHECKS

Overdrafts and bounced checks occur when you complete a financial transaction (e.g., write a check) for more than what is available in the account. Your financial institution may pay the amount and charge you a fee, known as an “overdraft fee” or a “nonsufficient funds fee.”

Tip: Avoid overdraft or non-sufficient funds fees by making a habit of monitoring the balance in your checking account.

Slide 6 – Overdrafts and Bounced Checks Lesson Reference: Basic Banking Services, Activity 6 – Overhead 1 29

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Basic Banking Services - Activity 7

ACTIVITY 7

The ABCs of aSavings Account

Overview

• Purpose of a savings account• Shopping for a savings account• Applying for a savings account• Monthly bank statement checkup

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REASONS TO SAVE

• Emergencies

• Future Purchases

• Future Investments

Slide 1 - Reasons to Save Lesson Reference: Basic Banking Services, Activity 7 – Overhead 131

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SHOPPING FOR A SAVINGS ACCOUNT

Factors to consider:• Safety• Risk• Liquidity• Minimum Account Balance Requirements• Fees and Service Charges• Interest Rate • Returns (Earnings)• Automatic Transfer• Direct Deposit

Slide 2 - Shopping for a Savings Account Lesson Reference: Basic Banking Services, Activity 7 – Overhead 232

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OPENING A SAVINGS ACCOUNT

Slide 3 – Opening a Savings Account Lesson Reference: Basic Banking Services, Activity 7 – Overhead 333

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Slide 4 – Bank Statement Lesson Reference: Basic Banking Services, Activity 7 – Overhead 4

BANK STATEMENT

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• Actividad 1………………….¿Por qué necesita un banco?

• Actividad 2………La variedad de servicios de un banco

• Actividad 3…Fundamentos de las cuentas de cheques

• Actividad 4…………Cómo abrir una cuenta de cheques

• Actividad 5…………………………....Cómo hacer cheques

• Actividad 6….Cómo mantener una cuenta de cheques • Actividad 7….Fundamentos de las cuentas de ahorros

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Servicios bancarios básicos - Actividad 1

ACTIVIDAD 1

¿Por qué necesita un banco?

Resumen

• Los propósitos de los bancos• Diferencias entre bancos y cooperativas de crédito• La seguridad de las instituciones financieras• Los bancos como herramientas de administración del dinero• Crédito Tributario por Ingresos del Trabajo36

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LA SEGURIDAD DE LAS INSTITUCIONES FINANCIERAS

BANCOS COMERCIALES COOPERATIVAS DE CRÉDITO

Diapositiva 1 – La seguridad de las instituciones financieras Referencia de la lección: Servicios bancarios básicos, Actividad 1 – Transparencia 3 37

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CRÉDITO TRIBUTARIO POR INGRESOS DEL TRABAJO

El Crédito Tributario por Ingresos del Trabajo (EITC) es un crédito tributario federal usado para reducir los impuestos que deben pagar los trabajadores de bajos ingresos, y así complementar sus salarios. Los trabajadores de bajos ingresos suelen utilizar esta devolución de impuestos como el depósito inicial requerido para abrir una cuenta bancaria y luego para saldar deudas, ahorrar para emergencias, o ahorrar para metas a largo plazo, como la compra de inmuebles.

Para poder recibir el EITC, un contribuyente debe tener número de Seguro Social e ingresos anuales o de inversión menores que un determinado nivel. Esto es posible incluso si no tienen deuda tributaria y no se retuvo dinero de sus cheques de nómina para el pago de impuestos. Para conocer el nivel actual de ingresos requeridos, comuníquese con el IRS, con un elaborador de declaraciones de impuestos o con un representante del VITA.

Diapositiva 2 – EITC Referencia de la lección: Servicios bancarios básicos, Actividad 1 – Apunte 2 38

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Servicios bancarios básicos - Actividad 2

ACTIVIDAD 2

La variedad de servicios de un

banco

Resumen

• Servicios financieros que proporciona un banco• Empleados bancarios• Servicios que pueden brindar un beneficio personal• El impacto de los reglamentos estatales y federales en la seguridad de un banco

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OPCIONES DE REMESA PARA ENVIAR Y RECIBIR DINERO

1. Organizaciones de transferencias de

dinero

2. Transferencias bancarias

3. Entrega en mano

4. Correo

5. Hawala

6. Oficinas de correo

7. Tarjetas de valor almacenadoDiapositiva 1 – Opciones de remesa

Referencia de la lección: Servicios bancarios básicos, Actividad 2 - Transparencia 1 40

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PROFESIONES BANCARIAS

• Cajeros

• Vendedores de servicios

bancarios/financieros

• Prestamistas hipotecarios

• Gerente de operaciones

• Gerente de sucursal

Diapositiva 2 – Profesiones bancarias Referencia de la lección: Servicios bancarios básicos, Actividad 2 – Transparencia 241

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SERVICIOS BANCARIOS ELECTRÓNICOS

Los servicios bancarios en línea constituyen la actividad de Internet de más rápido crecimiento en los Estados Unidos.

Tipos de servicios• Tarjetas bancarias• Servicios automatizados

¡Proteja sus contraseñas!

Diapositiva 3 - Servicios bancarios electrónicos

Referencia de la lección: Servicios bancarios básicos, Actividad 2 – Transparencia 3 42

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TARJETAS BANCARIAS

Diapositiva 4 – Tarjetas bancarias

Referencia de la lección: Servicios bancarios básicos, Actividad 2 – Transparencia 4

TIPOS•Tarjetas de cheques o tarjetas de débito o de cajero automático

•Tarjetas de valor almacenado

DESCRIPCIÓN • Tarjetas bancarias que permiten pagar productos y servicios al sustraer el dinero directamente de una cuenta de depósito bancaria. • Se pueden usar con comerciantes que acepten las principales tarjetas de crédito, lo que se conoce como transacciones en el punto de venta (POS).

• Son tarjetas con un valor predeterminado y limitado. • Se usan para pagar productos y servicios. • Es una alternativa al efectivo.

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SERVICIOS BANCARIOS ELECTRÓNICOS

• Depósito directo

• Transferencias entre cuentas

• Transferencias a un tercero

• Servicios bancarios en línea

• Servicios bancarios por teléfono

• Cajeros automáticos

Diapositiva 5 – Servicios bancarios electrónicos

Referencia de la lección: Servicios bancarios básicos, Actividad 2 – Apunte 3 44

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REGLAMENTO DE LOS SERVICIOS BANCARIOS ELECTRÓNICOS

Electronic Fund Transfer Act (Ley de transferencias electrónicas de fondos) Protege de ciertas pérdidas a los consumidores que usen cualquier tipo de servicio bancario electrónico. También protege su privacidad.

Los bancos deben:• Ofrecer a los consumidores un registro o recibo de todas las transacciones por computadora; • Investigar los errores e informar a los consumidores dentro de un lapso de diez días de la notificación del error.

Los clientes son responsables de informar todos los errores. Diapositiva 6 - Reglamento de los servicios bancarios electrónicos

Referencia de la lección: Servicios bancarios básicos, Actividad 2 – Transparencia 5 45

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Servicios bancarios básicos - Actividad 3

ACTIVIDAD 3

Fundamentos de las cuentas de cheques

Resumen

• Propósitos de una cuenta de cheques• Elegir y comparar cuentas de cheques

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Diapositiva 1 - Términos de las cuentas de cheques Referencia de la lección: Servicios bancarios básicos, Actividad 3 – Apunte 1

TÉRMINOS DE LAS CUENTAS DE CHEQUES

• Beneficiario • Conciliación de un estado de cuenta • Cheque cancelado • Cheque • Endoso • Estado de cuenta • Interés

• Límites de transacción• Registro de cheques/ libro de cuentas • Saldo mínimo • Servicio de sobregiro • Sobregiro • Tarifa • Transacciones pendientes

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Diapositiva 2 - Cómo decidir dónde abrir una cuenta de cheques

Referencia de la lección: Servicios bancarios básicos, Actividad 3 - Apunte 2

CÓMO DECIDIR DÓNDE ABRIR UNA CUENTA DE CHEQUES

(COSAS QUE SE DEBEN

PREGUNTAR AL ABRIR UNA CUENTA DE CHEQUES)

SERVICIOSUbicación del bancoUbicación de los cajeros automáticosHorario de atención del bancoSaldo mínimo requeridoTransacciones mínimas o límitesCuentas que paguen interesesOtros

COSTOSTransacciones en cajeros automáticos que no pertenecen al banco primarioTarifas por transacciones hechas en la sucursalTarifas por cada chequeOtras tarifas por chequesServicio de sobregiroImpresión de cheques48

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Servicios bancarios básicos - Actividad 4

ACTIVIDAD 4

Cómo abrir una cuenta de cheques

Resumen

• Proceso de solicitud de una cuenta de cheques• La solicitud• Formas admitidas de identificación• Tarjeta de autorización de firma• La PATRIOT Act

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Diapositiva 1 – Apertura de una cuenta de cheques

Referencia de la lección: Servicios bancarios básicos, Actividad 4 – Apunte 1

APERTURA DE UNA CUENTA DE CHEQUES

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Diapositiva 2 - Tipos de identificación aceptables Referencia de la lección: Servicios bancarios básicos, Actividad 4 – Apunte 2

Identificación principal*

•Licencia para conducir con fotografía, emitida dentro de EE.UU. o Canadá •Tarjeta de identificación estatal con fotografía•Permiso de aprendiz con fotografía•Identificación con fotografía, emitida por el gobierno •Pasaporte de EE.UU. •Pasaporte de otros países•Tarjeta de registro de residencia•Certificado de naturalización

* Los requisitos de identificación pueden variar según las instituciones financieras. Antes de solicitar una cuenta, consulte a la entidad correspondiente.

TIPOS DE IDENTIFICACIÓN ACEPTABLES

•Identificación consular de México (matrícula consular)•Identificación de empleado con fotografía (emitida por un empleador reconocible) •Licencia comercial con fotografía (peluquero, plomero, electricista, etc.)•Identificación de estudiante con fotografía (escuela de oficios o universidad) •Tarjeta de Medicare (debe tener 65 años o más)

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Diapositiva 3 - Tipos de identificación aceptables Referencia de la lección: Servicios bancarios básicos, Actividad 4 – Apunte 2

Identificación secundaria*

• Talón de nómina • Registro del vehículo

• Declaración de hipoteca

• Carta de presentación emitida por un banco, embajada o empleador reconocido

• Tarjeta de asistencia social

• Tarjeta de seguro médico complementario

* Los requisitos de identificación pueden variar según las instituciones financieras. Antes de solicitar una cuenta, consulte a la entidad correspondiente.

TIPOS DE IDENTIFICACIÓN ACEPTABLES

• Licencia para conducir extranjera• Permiso local o estatal para portar armas• Cuenta de servicios básicos (debe aparecer el nombre y la dirección de la cuenta individual) • Estado de cuenta bancaria actual • Tarjeta de crédito nacional• Tarjeta de débito o de cheques emitida por un banco

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PATRIOT ACT (LEY PATRIÓTICA)

El Congreso aprobó la ley PATRIOT Act como respuesta a los ataques terroristas del 11 de septiembre de 2001. Las instituciones financieras ahora deben recopilar determinada información al abrir una cuenta.

Diapositiva 4 – Patriot Act

Referencia de la lección: Servicios bancarios básicos, Actividad 4 – Transparencia 1

1. El cliente debe presentar una identificación que incluya nombre, fecha de nacimiento, dirección y número de identificación.

2. La institución debe conservar una copia de la información utilizada para verificar la identidad del individuo.

3. La institución debe determinar si el solicitante aparece en las listas de terroristas conocidos, de sospechosos de terrorismo o de organizaciones terroristas.

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Diapositiva 5 – Tarjeta de autorización de firma

Referencia de la lección: Servicios bancarios básicos, Actividad 4 – Apunte 3

TARJETA DE AUTORIZACIÓN DE FIRMA

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Servicios bancarios básicos - Actividad 5

ACTIVIDAD 5

Cómo hacer cheques

55

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Diapositiva 1 - Cómo hacer cheques Referencia de la lección: Servicios bancarios básicos, Actividad 5 – Apunte 1

CÓMO HACER CHEQUES

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Servicios bancarios básicos - Actividad 6

ACTIVIDAD 6

Cómo mantener una cuenta de cheques

Resumen

• Ley Check 21• Cómo llevar un registro de cheques• Cómo realizar un depósito en una cuenta de cheques• Conciliación de un estado de cuenta• Cómo mantener una cuenta de cheques• Cómo evitar sobregiros

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Diapositiva 1 – Check 21

Referencia de la lección: Servicios bancarios básicos, Actividad 6 – Apunte 1

LEY CHECK 21 (Ley de Compensación de Cheques para

el Siglo XXI)La ley Check 21 es una ley federal que ayuda a los bancos a gestionar más cheques electrónicamente y que hace el procesamiento de cheques más rápido y más eficiente.

Según esta ley, un cheque depositado en un banco, por lo general, se “entrega” de un día para otro al banco que lo pagará y su importe se deduce de la cuenta del librador del cheque el siguiente día hábil.

El dinero se puede deducir de su cuenta de cheques casi inmediatamente.

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CÓMO LLEVAR UN REGISTRO DE CHEQUES

Diapositiva 2 - Cómo llevar un registro de cheques Referencia de la lección: Servicios bancarios básicos, Actividad 6 – Apunte 259

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Diapositiva 3 - Endosar un cheque

Referencia de la lección: Servicios bancarios básicos, Actividad 6 – Apunte 2

CÓMO REALIZAR UN DEPÓSITO – ENDOSAR UN CHEQUE

Endoso restrictivo (más seguro)

Endoso en blanco (menos seguro)

Endoso a un

tercero

El reverso de un cheque

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Diapositiva 4 - Cómo completar un talón de depósito Referencia de la lección: Servicios bancarios básicos, Actividad 6 – Apunte 2

CÓMO REALIZAR UN DEPÓSITO - CÓMO COMPLETAR UN TALÓN DE DEPÓSITO

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Diapositiva 5 - Cómo conciliar un estado de cuenta Referencia de la lección: Servicios bancarios básicos, Actividad 6 – Apunte 2

CÓMO CONCILIAR UN ESTADO DE CUENTA

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SOBREGIROS Y CHEQUES SIN FONDOS

Los sobregiros y cheques sin fondos se generan cuando usted realiza una transacción financiera (por ejemplo, hace un cheque) por un monto superior al dinero disponible en su cuenta. Su institución financiera puede pagar el importe y cobrarle una tarifa, conocida como “tarifa por sobregiro” o “comisión por fondos insuficientes”.

Consejo: Evite las tarifas por sobregiro y las comisiones por fondos insuficientes. Para ello, controle siempre el saldo de su cuenta de cheques.

Diapositiva 6 – Sobregiros y cheques sin fondos Referencia de la lección: Servicios bancarios básicos, Actividad 6 – Transparencia 1 63

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Servicios bancarios básicos - Actividad 7

ACTIVIDAD 7

Fundamentos de las cuentas de

ahorros

Resumen

• Propósito de la cuenta de ahorros• Cómo decidir dónde abrir una cuenta de ahorros• Solicitud de una cuenta de ahorros• Verificación del estado de cuenta mensual

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RAZONES PARA AHORRAR

• Emergencias

• Compras futuras

• Inversiones futuras

Diapositiva 1 - Razones para ahorrar Referencia de la lección: Servicios bancarios básicos, Actividad 7 – Transparencia 165

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CÓMO DECIDIR DÓNDE ABRIR UNA CUENTA DE AHORROS

Factores a considerar:• Seguridad• Riesgo• Liquidez• Requisitos de saldo mínimo en la cuenta• Tarifas y cargos por servicio• Tasa de interés• Rendimiento (ingresos)• Transferencia automática• Depósito directo

Diapositiva 2 - Cómo decidir dónde abrir una cuenta de ahorros Referencia de la lección: Servicios bancarios básicos, Actividad 7 – Transparencia 266

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APERTURA DE UNA CUENTA DE AHORROS

Diapositiva 3 – Apertura de una cuenta de ahorros Referencia de la lección: Servicios Bancarios Básicos, Actividad 7 – Transparencia 367

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Diapositiva 4 – Estado de cuenta Referencia de la lección: Servicios bancarios básicos, Actividad 7 – Transparencia 4

ESTADO DE CUENTA

68


ACTIVITY BANK - salvationarmy.org.uk

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