Professional Documents
Culture Documents
Getting Started
WITH LIFE SCENARIOS
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Vocabulary
Account Direct Deposit
Arrangement with a bank or credit union letting you deposit Paycheck that is electronically transferred into your account.
and withdraw money.
Gross Pay
Account Statement The total amount of a paycheck before taxes.
List of financial transactions you made over a given period.
Jar
Auto Insurance Money set aside for a specific purpose (like a budget item).
Protects against losses to property and injuries to people in
a car accident. Health Insurance
Insurance that covers medical illness or injury.
ATM (Automated Teller Machine)
Used to withdraw cash from a checking account. Insurance
A product offered by a company promising to protect you
Bad Check from specific financial risks.
Check written for more money than is available in your account.
Interest Rate
Budget The percentage cost of borrowing from someone else.
Plan used to decide the amount of money to spend, and
how it will be spent. Loan
Money lent to someone else in exchange for future payment.
Check
An order to pay another person an amount of money from Net Pay
your account. The amount of a paycheck after taxes are subtracted from
Gross Pay.
Check Register
Record of all deposits to and withdrawals from a checking Overdraft
account. Credit extended from a financial institution when an account
has insufficient funds.
Checking Account
Account where money can be withdrawn with checks or a Overdraft Fee
debit card. A fee charged to your account when you spend more money
than you have.
Cleared Check
When money has transferred from the account of the payer Reconciliation
to the payee. A way to balance your account records with your bank or
credit union.
Convenience Fee
Charged when using an ATM not owned by your bank or Renters Insurance
credit union. Covers your personal property in a rented apartment or home.
U R R E N T IS D U E .
YO
bby Slot
Leave Rent in Lo
Apartment #17 Due Date: Januar
y1
00.00
Amount Due: $4
v e
l Ste
Cal 0 12 6
5 -
55
Time to pay rent! Use money in
your checking account and take
the funds from your RENT jar.
tickets. (Other)
$
25.00
DERED: $
CASH TEN
$4.85
CHANGE:
U!
THANK YO
TS
NEW DONU
TRY OUR Corner Bank a
ZEN
$4.99/DO nd Trust
DATE: 03 JANUA
RY
TIME: 2:18 PM
You were low on cash so you hit #4
WITHDRAWAL FRO
the ATM on the way home. AMOUNT: $20.00
M CHECKING
1204 Sunbro
ok Ave #5
ATM Receipt
Date: 1/3
Table # 18
5.97
e
3 Lg Orang
Juice 2.99
jack
Super Flap 1.99
Eggs
Scrambled 2.48 You and some friends went out for
lette
Cheese Om 0.81 breakfast... your treat! With tip, the tab
Tax $14.24 came to $17.08. You paid in cash and
Total
took the money from your FOOD jar.
e tip!
Dont forget th
#6
KES 1
BANAN
AS (2 6 OZ 14.75 ----
SUBTO
TAL
.32 L
B @ 2
.19/L -
TAX ( B)
6.00% 2.69
TOTAL ) Retu
5.09 rn th
ated is
21 51.99 Bank
8277 ca
#7 0394
CREDI
T CAR 3.12
CHANG D TEN
E D E R $ 5
resents ED 5.11
Acco
xpo Center P -----
----- unt N
ctrum E ----- u
ritos
nity Sp
e E: ----- $55.1 D ate D
PRIC ----- 1
Commu
m B u r $80 . 00
-----
-----
-----
YOU S
AVED:
- -----
- ----- $ 0 .00 Tota
u e
rofoa
ALL R 5.45 -----
ETURN ----- - 10% ----- l Bal
21 ----- --- ance
ty
S MUS !
8277 -----
The S
T BE ----- M i n
0394 ert ACCOM ----- imum
Conc BY TXN: PANIE ----- Paym
PAID D
44237 D BY -
e i n 0 P M APPRO 71661 RECEI ----
Liv
PT
8:0 R VAL: 5
Billing Inform
ation
Patient Insu
rance Comp
any: NONE You hurt yourself at the concert.
Because youre uninsured, you had
Comments: Policy Num
PATIENT IS ber: N/A
UNINSURED.
Payment In
to put the full amount on your credit
card! Since this was an emergency, you
formation
Total Charg Payment No
es tes
ID IN FULL B can take it from your RESERVES jar.
Amount Pai 450.00 BALANCE PA
d by Insura
nce 0.00 CREDIT Y
Amount Du CARD.
e from Patie
nt $450.00
Designed for use with
5
www.TeachBanzai.com
Ama
lga
m ated
Cred Ba
it Ca nkcar #9
rd St
Acco atem d Serv
unt N
umb ent ices
Ann er
ual I
ntere
st Ra 3752
te 2 52
343
3448
Date 3
6497
JANU
men ARY
t
73
6
#11
otice
Courtesy Overdraft N your
in
n in s u ffic ie nt balance
da
ry 7, you ha w.
As of Janua th e c h e c k shown belo
pay
account to
103
ber Authority
Check Num City Parking
t
our accoun
Payee
h a v e p a id this check a
nd y Drat! An overdraft! At least the bank
sy, we
As a courte
s a n o v e rd raft balance
.
didnt bounce the check. The fee came
now ha
$30.00 from your checking account. Since you
e e
Overdraft F
ce
count Bala
n
-$52.79
didnt see it coming, youll have to take
Current Ac rn s .
it out of RESERVES.
ns o r c o n c e
a n y q u e s ti o
if you have
tact us
Please con
Sincerely,
& Trust
EMENT
EARNINGS STAT
#12 Bookstore
Rolands CorneDrr ive
123 South Corner
5
Here Town, JR 9857
January 9
year to date
this period
hours
rate 780.00
Earnings 38 .00
380.00
10.00 0.00
Another week, another paycheck. Split it Re
across
gular
e 0.00
0.00
0.00
0.00
0.00
Overtim 0.00 0.00
your jars as follows: 0.0 0 0.00
Holiday 0.00 $7 80.00
0.00 $380.00
Tuition
Gross Pa y
T NOTICE
DIRECT DEPOSI
rner Bookstore
Rolands Corne
123 South Co r Drive
***VOID*
T CASH********
********DO NO
. DO NOT CASH
NOT NEGOTIABLE
a + 13B
O ATM # 13
GAS N G
H ST
636 W 7T
/10 09:35 AM You used the ATM at the gas station and
DATE: 01
40.00 got hit with a convenience fee! Enter
DRAWAL
CHK WITH
CONVENIE
NCE FEE
2.50
42.50
two transactions: first a transfer of $40.00
TOTAL WI
THDRAWAL between checking and cash. Then, enter an
CHK BALA
NCE
$212.45
expense of $2.50 from checking, taking the
57738265
99765 amount from the OTHER jar.
TRAN ID:
PAYMORE
ATED BY
ATM OPER L
FINANCIA
Designed for use with
7
www.TeachBanzai.com
OUR TOWN
#14 CONVENIEN
CE STORE
DATE: 01/12
STATION 4
CASH TEND
ERED: $22.00
CHANGE:
$0.29
BUY TEN G
ALLONS OF
GET A CAR GAS,
WASH FOR
ONLY
$1.00
Account Sta
tement #15
Statement D
ate: January
12
Date
Item
Beginning Ba Credit Debit
Jan 1 Check #101
lance Balance
Jan 2 Dir Deposit- 425.00
Jan 3 Rolands Bkst -400.00
*** ATM Withdr r 322.21 25.00
Jan 6 awal
Check #102 347.21
Jan 7 -20.00
Your bank statement arrived
Check #103 327.21
Jan 8 -325.00
Fee-Overdra 2.21
Jan 9 ft -25.00
e v e
Important No
St ed
tice: The ba
lance above
does not inclu
de uncleared
transactions
.
a l l
c n !
i
aga
Internal Reven
Personal Tax D
ue Service #16
iv ision
Notice of
Tax Refund Surprise, surprise, you got a tax refund!
This lette
r serves a
The government put it into your
checking account. Lets use this as an
we have de s notice t
posited a hat
in the amo t ax refund
unt of $19
checking a
ccount at
7.16 to yo
Corner Ban
ur opportunity to increase the balance in
Trust. k &
your RESERVES jar.
This depos
it will be Ear
January 13 available
on
.
Re
Sincerely, #17 Ov
Ho
Taxpayer O
p erations G Tu
roup
Ref: 00000
00000
You decided to check out the new organic
9
2837774 De
IT UNION
------- 2 GAL 2.99
-------
C R E D
-------
L
ITEM T
NANCIA
OTAL - - - - ------- 2 .95
FIRST FI
6.0% S ------- 1.99
-------
#18
ALES -------
------- TAX -------
tement -------
Auto Loan Sta TOTAL - - ------- 4 6.43
-------
CREDI -------
T CAR - - - - ------- 2 .79
------- D (APP -------
------- R : 376DL - - - --
------- ) $49.2
rest Rate ------- 2
Annual Inte ---
utstanding ------- ITEM C --------------- -$49.2
2
Principal O 9.00% -------
------- OUNT: -------
-------
-------
-------
20
$10,000.00 KADE
WADSW -------
75.00 ORTH -------
- MAN -------
AGER ----
Interest Du
e
ue
132.58
$207.58
The first payment on your used car
Principal D
Total Am o u nt Due
--------
-- is due. Youve set aside money in
-------
--------
--- --------
Order Ma
de Pay- your CAR jar. Make the payment
-------- or Money
from your checking account.
Ch ec k
ude Union
t - Incl l Credit
w/Paymen Financia
tu rn th is Stub F ir st
Re able to mt.
Payment A
Designed for use with Payment D
ate
9 Payment D
ue Due Date
Accou nt #
830032J
www.TeachBanzai.com
January 15
39
ch
207.58 ion Bran
Credit Un
EARNINGS STATE
MENT #19
$948.29
$318.34
Net Pay
TWIN O
#20
AKS FA
BRAND CTORY
NAME C OUTLET
LOTHE S
You snagged some new threads
DATE: S FOR
JANUAR LESS
Y 16
2LATE4
MOLLUS
NATE J
EANS
TRANS
CODE:
2716 from the outlet mall. You paid with
your debit card (which means the
K REVI
VAL FI
TTED S 38.65
WEATER
money was taken from checking)
TAX
14.00
TOTAL
- PAID
and took the money from the
BY DEB
IT CAR 3.16
D
OTHER jar.
$55.81
ALL SA
LES AR
E FINA
L
Usage Charge
104.00
3.00
can take it from your UTILITIES jar.
Service Fee
7.40
State Tax Levy
ue $114.40
Total Amount D
Announcement
th e power pla nt available to community
and school groups. #22
Free tours of e!
electrifying experienc
Dont miss out on this ry 19
tomatically on Janua
Taken from Your Checking Account Au
#2
Your Payment Will be
Program
for Our Direct Debit
3
Thanks for Signing Up
You took a road trip and fueled up on the way home. THE HIT
You paid with credit card. There wasnt enough in TRUCK N RUN
STOP &
RESTAU
RANT
your CAR jar to cover the whole purchase, so you gave DATE: 0
1/22
ss
Horizon Wirele
Can Anyone H
ear Me?
CC PAID
: 18.33
AUTH: F
S8274
#24
MOUNTE
D JACK
ALOPES
$19.99
ly Statement
THIS WE
Month EK ONLY
38726993287
Acc ount Number - JANUARY 10
DECEMBER 10
Billing Period January 22
Due Date
Due
$49.28
You barely avoided going over on
Total Amount
Weekends your plan minutes! Whew! You
Nights
Peak
paid the bill online using your
Unlimited
Plan Details Unlimited
1,000
Voice Minute
s 600 Monthly
Text Messag
es credit card. The money came from
Peak
Nights
Weekends
1,072
your UTILITIES jar.
Plan Details 1,376
989
s
Voice Minute 512
es
Text Messag
Designed for use with Amount
11 Item 35.00
Category www.TeachBanzai.com
NATIONAL 1,
000 MEGA PLAN
4.99
n
123 South C Bookstore EARNINGS
orner Drive STATEMEN
Here Town,
JR 98575 T
#25
Earnings January
23
rate
Regular hours
Overtime 10.00 this period
Holiday 0.00 38.25 year to dat
e
382.50
0.00 0.00 1,
Tuition 0.00 557.50
0.00 0.00
0.00 0.00
Gross Pay
0.00
0.00 0.00 More money into the checking account! Heres
Deduction $382.50 0.00
s Statuto
ry $1,557.50 where you plan on spending this paycheck:
Federal Inco
me Tax
Social Sec
urity -33.57
Medicare
State Incom
-23.72 -138.39 $130.00 for gas and maintanence (Car)
e Tax -5.55 -96.57
-10.00 -22.59
-42.00 $75.00 for groceries and dining (Food)
Net Pay
$309.66 $5.00 for additional needs (Other)
$1,257.95
Rolands Corne
123 South C r Bookstore
orner Drive
DIRECT D
EPOSIT N
OTICE
********
DO NOT C
ASH**** ****
***VOID*
**
SUPER-8M2A RT
NOT NEGO
TIABLE. DO N STORE77
OT CASH
TIME: 20:08
4 TRAN: 218
DATE: 01/2
LANE: 21
#26 R B U N S 12 C T 2.29
2.04
HAMBURGE
OZ 3.33
KETCHUP 16 12 OZ
E S 10.94
DILL PICKL TTIES 8 CT
PA 3.58
PREM BEEF B 3 .9 9/LB
You saved money by going to the TOMATOES
0 .8
TTU
9
C
L
E 1 1. 9 9 / EA 1.99
ICEBERG LE 4.20
Super-Mart. Too bad the checkout line WATER CHE
S T N U T S 10
Z
.5 OZ
3.99
14 O
was 20 minutes long! The tab was PANG DRIN
K MIX
E D V E G E T ABLES 14 O
Z 5.50
2.72
FROZEN MIX RICE 9 OZ
charged to your credit card. Take the FIZZLERS L
ICO
O XES 6 CT
6.89
U IC E B .02
money from your FOOD jar. ASSORTED
J
AC H 1 3 .0 2 / BUNCH 3
3.99
FRESH SPIN 12 O Z
O T S
BABY CARR
TAL 56.47
E S U B T O
MERCHAND
IS
0%) 3.39
L T A X (6 .0
CA $59.86
STATE & LO
TOTAL
$59.86
R D T E N D E RED
CREDIT CA
,000 ITEMS
RE THAN 50
You received another bank statement.
7
Use Banzai to reconcile your
#2
CHECKING account.
S a f e I n s u r a nce #28
Always- Policy Statement
Auto 6
mium
Monthly Pre 1
Details
0
40.32 This is one bill you 2
prehensiv
e
DEDUCTIBL
E: 2,500 $126.79 legal. You wrote a
lision
remium
check and took the --
l Monthly P
money from your Retu
TOTAL
Amalgamated Ban
kcard Services
Credit Card Statement
0B
#30a+3
Account Number
37522 52343 34483
Annual Interest Rate
24.99%
Date
Merchant
Oops, you got dinged for interest
because you didnt pay the
6 Jan Amount
Payment Receieved
- Thank You!
14 Jan -325.00
Trader Moes
22 Jan
22 Jan
Hit N Run Truck
Stop
49.22
18.33
last bill in full. You wont make
that mistake again! Enter two
Horizon Wireless
24 Jan 49.28
Super-Mart #8277
ccount Number
te Due
37522 52343 34483 from checking to credit card to
pay off the bill.
January 29
tal Balance
$442.42
nimum Payment
$20.00
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