In this chapter, students will learn how to write checks, fill out deposit slips, maintain a checkbook register, and reconcile a bank statement. Endorsements and overdraft protection are discussed. Simple and compound annual interest are calculated. The compound interest formula is then adjusted to shorter compounding periods. A formula for finding the effective interest rate is developed so that two compound rates can be compared. Savings account interest is calculated by the minimum-balance and daily-interest methods. The concept of a savings program is introduced, and formulas for the amount saved by regular monthly deposits and for the monthly payment required to meet a savings goal over time are developed.
After this chapter you should be able to 1. fill out a deposit slip, write checks, and keep an accurate checkbook record. 2. reconcile a bank statement. 3. calculate both simple and compound interest by formula. 4. calculate the earnings from a savings account and the amount needed monthly to attain a savings goal. 5. compare different savings rates and compounding intervals by determining the effective interest rates. 6. differentiate among a savings account, CD, money market account, IRA, and 401(k). 7. understand the use of online and mobile banking.
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