Heather Dewey

Discover the Power of Bank Five Nine’s Digital Banking Tools

Posted on March 11, 2025 by - Everyday Money

Did you know Bank Five Nine offers a variety of digital banking tools designed to make managing your money easier, faster and more secure? Whether you’re at home or on the go, our banking solutions are here to simplify your financial life. Learn more about these fantastic tools and how you can start using them today.

Key Takeaways

  • Monitor Your Credit Score Easily – Stay on top of your credit with free access to your credit score, full credit report, and personalized financial tips.
  • Take Control of Your Budget – Use Money Management to track spending, set budgets, and visualize your financial goals all in one place.
  • Send and Receive Money Quickly with Zelle – Transfer funds securely in minutes using just an email or mobile number.
  • Bank Anytime, Anywhere – Our mobile banking app allows you to check balances, transfer money, pay bills, and more—all from your phone.
  • Deposit Checks in a Snap – Skip the trip to the bank and deposit checks instantly using Mobile Check Deposit.

Credit Score: Stay on Top of Your Credit

You can now access your credit score directly within your digital banking! Understand your credit, track changes and get personalized tips to improve it.

With Credit Score, you can:

  • View a comprehensive credit score analysis
  • Access your complete credit report
  • Receive credit monitoring alerts
  • Get money-saving offers tailored to you

How to check your credit score:

  1. Sign on to online banking.
  2. Navigate to Credit Score.
  3. Follow the on-screen prompts.

Learn more about Credit Score

Money Management: Take Control of Your Finances

We’re making it easier than ever to visualize and interact with your money. Money Management provides insights on your spending habits and financial goals.

With Money Management, you can:

  • See all your accounts in one place
  • View your spending trends
  • Set and manage budgets
  • Visualize your financial goals

How to get started:

  1. Sign on to online banking or the mobile app.
  2. Navigate to Money Management.
  3. Connect your external accounts.

Learn more about Money Management

Zelle: Send, Request, or Receive Money in Minutes

Whether you’re splitting the bill, paying a babysitter or reimbursing a friend, Zelle makes it easy to send money securely from your online banking or mobile app.

With Zelle, you can:

  • Send money to anyone with a United States bank account using their email or mobile number
  • Access money in minutes*
  • Receive alerts when a payment is completed

How to send money with Zelle:

  1. Sign on to online banking or the mobile app.
  2. Navigate to Zelle.
  3. Enroll your email or U.S. mobile number.
  4. Enter the recipient’s email or mobile number and amount to send.

Learn more about Zelle

Must have a United States bank account. Transactions typically occur in minutes when the recipient is already enrolled with Zelle.

Mobile Banking: Manage Your Money on the Move

Your phone is always within reach, and so are your finances! Our Bank Five Nine mobile banking app lets you stay connected to your money anytime, anywhere.

With our mobile app, you can:

  • View balance and transaction information
  • Transfer money between accounts
  • Pay and manage bills
  • And so much more!

Getting started is easy:

  1. Download the app from Apple’s App Store or Google Play.
  2. Sign on with your existing online banking user ID and password.
  3. Explore and enjoy the convenience of mobile banking!

Learn more about Mobile Banking

Mobile Deposit: Deposit Checks in a Snap

No need to visit a branch—deposit checks anytime, anywhere using your mobile device!

With Mobile Check Deposit, you can:

  • Save time by depositing checks digitally
  • Get fast access to funds

How to deposit checks:

  1. Sign on to the mobile app.
  2. Navigate to Check Deposit.
  3. Snap a picture of the front and back of your check.
  4. Confirm the account and amount.

Learn more about Mobile Deposit

Transfers: Move Money with Ease

Need to transfer money between your Bank Five Nine accounts? Our Transfers tool allows you to move funds digitally, anytime.

With Transfers, you can:

  • Make one-time transfers
  • Set up recurring or future-dated transfers
  • View transfer history

To get started:

  1. Sign on to online banking or the mobile app.
  2. Navigate to Transfers.
  3. Select the accounts, enter the date and amount, and confirm.

Learn more about Transfers

Bill Pay: A Faster and Safer Way to Pay Bills

From your cable and phone bill to insurance and memberships, save time and stay organized by managing all your payments in one place with Bill Pay.

With Bill Pay, you can:

  • Schedule automatic or one-time payments
  • View and track your payment history
  • Get notifications with important payment updates
  • Pay bills at home, at the office, or on the go with our mobile app

How to get started:

  1. Sign on to online banking or the mobile app.
  2. Navigate to Bill Pay.
  3. Set up your payees.
  4. Schedule your payments.

Learn more about Bill Pay

Managing your finances has never been easier with these digital banking tools. Sign on to Bank Five Nine online banking or download our mobile app to take advantage of these powerful tools today!

Not a customer yet? We’d be thrilled to have you join us! Learn more about what we offer and open an account today!

Beware of QR Code Fraud: What You Need to Know

Posted on January 21, 2025 by - Everyday Money

In today’s fast-paced digital world, QR codes have become a convenient tool for accessing information quickly. From menus at your favorite restaurant to payments and promotional offers, QR codes are everywhere. However, this convenience also comes with a downside: the rise of QR code fraud. At Bank Five Nine, we are committed to making lives better by keeping our customers informed and protected. Here’s what you need to know about QR code scams and how to stay safe.

Key Takeaways

  • Always verify the source of a QR code before scanning.
  • Be cautious of QR codes that lead to unknown websites or prompt downloads.
  • Avoid entering personal or financial information on sites accessed through QR codes unless you’re sure they are legitimate.
  • Regularly audit and secure your business’s QR codes to prevent tampering.
  • Stay updated on the latest scams and educate those around you.

What is QR Code Fraud?

QR code fraud occurs when scammers replace legitimate QR codes with malicious ones. When scanned, these fraudulent codes can lead you to fake websites, download malware onto your device, or steal your personal and financial information. This type of fraud is becoming increasingly common, especially as more businesses and individuals rely on QR codes for everyday transactions.

How QR Code Scams Work

  • Tampering with Physical QR Codes: Scammers may place stickers with their own QR codes over legitimate ones in public places, such as on restaurant tables, parking meters, or posters.
  • Phishing Links: Scanning a fraudulent QR code can direct you to a fake website that looks legitimate. These sites often ask for sensitive information like login credentials or payment details.
  • Malware Distribution: Some QR codes may prompt you to download apps or files that contain malware, compromising your device’s security.

Tips to Stay Safe

Here are some tips to help you avoid falling victim to QR code fraud:

  1. Verify the Source: Only scan QR codes from trusted sources. Be cautious of codes found in public spaces or received through unsolicited messages.
  2. Check the URL: Before entering any personal information, verify that the URL matches the official website. Look for secure connections (https://) and double-check for any misspellings.
  3. Use a QR Scanner App: Consider using a QR scanner app that provides a preview of the link before opening it. This can help you identify suspicious URLs.
  4. Avoid Downloading Unknown Apps: Be wary of QR codes that prompt you to download apps or files. Only download apps from official app stores.
  5. Watch for Urgency: Scammers often create a sense of urgency to prompt immediate action. Be cautious of QR codes that come with urgent requests for payments or sensitive information.
  6. Protect Personal Information: Never enter personal or financial information on websites accessed through QR codes unless you are certain of their legitimacy.
  7. Secure Business QR Codes: If you run a business, regularly check the QR codes you display to ensure they haven’t been tampered with. Use secure, easily updatable codes to maintain customer trust.
  8. Report Suspicious Activity: If you encounter a suspicious QR code or website, report it to the relevant authorities or the business that the QR code claims to represent.

At Bank Five Nine, we are dedicated to keeping you informed about the latest security threats. By staying alert and keeping these tips in mind, you can use QR codes with confidence and avoid any potential scams.

To learn more about protecting yourself and your loved ones from financial scams, check out these helpful resources:
Protecting Seniors from Financial Scams
Help Keep Kids Protected from Scams
Protecting Students from Financial Scams

Remember, if you ever have any concerns or need assistance, our team at Bank Five Nine is here to help!

Back to School Savings: Tips for Stretching Your Budget

Posted on August 13, 2024 by - Family Matters

As the new school year approaches, parents and students alike are gearing up for the back-to-school rush. From school supplies to new clothes, the expenses can quickly add up. But with a bit of planning and smart shopping, you can save money and still get everything you need. Here are some tips to help you stretch your budget this back-to-school season.

Key Takeaways

  • Management to track expenses.
  • Shop Smart: Save money by shopping sales, using coupons, and buying in bulk or secondhand.
  • Reuse and Involve Kids: Reuse old items and involve your children in budgeting to teach financial responsibility.

Make a List and Stick to It

Before you hit the stores, make a detailed list of everything you need. This includes school supplies, clothing, and any other essentials. Having a list helps you stay focused and avoid impulse purchases. Review the list with your child to ensure you’ve covered all the bases, and then commit to sticking to it.

Set a Budget

Determine how much you can afford to spend on back-to-school shopping and set a budget. Divide this budget into categories, such as supplies, clothing, and extracurricular activities. Keep track of your spending to ensure you stay within your limits. Consider using budgeting apps or tools to help you manage your expenses.

Bank Five Nine has budget tools to help you! You can find them in our Financial Education Center, or in your Online Banking account log in!

Check out our Money Management or the Goal Builder tools. Money Management is a main menu item in Online Banking and Goal Builder is available under Additional Services!

Shop During Sales and Use Coupons

Take advantage of back-to-school sales, tax-free weekends, and special promotions to get the best deals. Many stores offer significant discounts on school supplies and clothing during this time. Additionally, look for coupons in newspapers, online coupon sites, and store apps to save even more. Combining sales with coupons can lead to substantial savings.

Buy in Bulk

For items like notebooks, pens, and pencils, buying in bulk can be more cost-effective. Consider purchasing these items from wholesale retailers or warehouse clubs. If you have friends or family members who also need school supplies, consider pooling your resources and buying in bulk together to save even more.

Reuse and Recycle

Before buying new items, check what you already have at home. Last year’s backpack, lunchbox, and other supplies may still be in good condition and can be reused. Encourage your children to get creative and personalize old items to make them feel new again. Recycling and reusing not only save money but also teach valuable lessons about sustainability

Shop Secondhand

Thrift stores, consignment shops, and online marketplaces can be a great spot for gently used clothing and school supplies. Many of these items are in excellent condition and come at a fraction of the cost of new ones. Consider organizing a clothing swap with other families in your community to refresh your child’s wardrobe!.

Take Advantage of Student Discounts

Thrift stores, consignment shops, and online marketplaces can be a great spot for gently used clothing and school supplies. Many of these items are in excellent condition and come at a fraction of the cost of new ones. Consider organizing a clothing swap with other families in your community to refresh your child’s wardrobe!

Plan for the Entire School Year

When budgeting for back-to-school, consider the entire school year. Think about expenses for sports, extracurricular activities, field trips, and special projects. By planning ahead, you can set aside funds throughout the year and avoid last-minute financial stress.

DIY When Possible

Get creative and make some of your school supplies at home. DIY projects can be fun and cost-effective. For example, you can personalize plain notebooks with stickers, washi tape, or fabric covers.

Teach Financial Responsibility

Involve your children in the budgeting and shopping process. Teaching them about money management, comparison shopping, and the importance of sticking to a budget can be valuable life lessons. Give them a set amount of money for their supplies and let them make decisions on how to spend it. This can help them understand the value of money and make more thoughtful purchasing choices.

Utilize Bank Five Nine’s Financial Tools

Bank Five Nine offers a range of financial tools and resources to help you manage your budget effectively. Take advantage of our online banking services to keep track of your expenses in real-time. Our budgeting tools can help you allocate funds for back-to-school shopping and monitor your spending. Plus, check out our special offers and promotions that can provide additional savings during the back-to-school season.

Happy shopping!

First-Time Homebuyer’s Playbook: 4 Steps to a Successful Offer

Posted on January 16, 2024 by - Living Quarters

Are you getting ready to buy a home? Here are four keys to being prepared to make your first offer.

1. Know what you can afford and how much cash you will need. Knowing what you qualify for before looking at any homes will save you the disappointment that can come from falling in love with a home that’s out of reach.

2. Know where you want to be. Learn about the neighborhood before you make an offer to buy. Sample the commute. Talk to would be neighbors. See the schools, shops, and services before you start negotiating.

3. Choose your property type. Consider your range of choices: single family, multi-family, townhome, condo, co-op, new construction, etc. Know the pros and cons of each. Decide which is best for you and define your search accordingly.

4. Obtain a valid pre-approval before you make an offer. This entails document verification, a credit check and automated or actual underwriting. If all is in order, you will receive the equivalent of a loan commitment that’s subject to a contract, appraisal, and title work. Your pre-approval gives you and the seller confidence in your ability to close the deal once you find your perfect home.

You will probably buy a home only a few times in your life, but we’re laser focused on the process every day. We know how important proper preparation can be to making the process easy and rewarding. Reach out and we’ll start you down the road to being a well-informed, confident, and happy home buyer today.

Talk to a mortgage lender today!

Source: Surefire CRM

Bank Holidays: Understanding Their Impact on Deposits and Transactions

Posted on December 1, 2023 by - Everyday Money

Federal Holidays allow not only for celebration but also for the employees of banks to enjoy valuable time with their loved ones. However, it’s important to recognize that these holidays can also influence certain financial operations.

In this blog, we’ll explain how bank holidays impact direct deposits and other money-related tasks and how to plan around them so you can enjoy these stress-free holidays.  

Currently, there are 11 bank holidays, which are designated by the Federal Reserve. The newest bank holiday is Juneteenth, which became a federal holiday in 2021.  It is important to note that on Federal Holidays, banks can perform transactions, but due to the Federal Reserve being closed, the transaction most likely won’t post to a bank account until the following day.

For holidays falling on Saturday, Federal Reserve banks and branches will be open the preceding Friday; however, the Board of Governors will be closed. For holidays falling on Sunday, all Federal Reserve offices will be closed the following Monday (www.federalreserve.gov).

These are the current official bank holidays in the United States:

  • New Year’s Day
  • Martin Luther King Jr. Day
  • Washington’s Birthday (Presidents Day)
  • Memorial Day
  • Juneteenth National Independence Day (Newest Holiday)
  • Independence Day
  • Labor Day
  • Columbus Day
  • Veterans Day
  • Thanksgiving Day
  • Christmas Day

Their Impact:

  • Branch Availability: On bank holidays, branches may be closed or have limited hours, affecting in-person services.
  • Delayed Deposits: Bank holidays can lead to delays in direct deposits. When a holiday falls on a regular business day, financial institutions are often closed, and transactions, including direct deposits, might not be processed until the next business day. This can affect paychecks, government benefits, and other regular deposits.
  • Transaction Processing Delays: Bank holidays can lead to delays in processing various financial transactions, including bill payments, ACH transfers, wire transfers, and transfer of funds between banks. Transactions initiated on or around a bank holiday might take longer to reflect in your accounts.
  • Check Clearing: If you deposit a check close to or on a bank holiday, it might take longer to clear, resulting in a delay in accessing the funds. Electronic check deposits and mobile banking apps can help expedite this process.

Tips for Navigating Bank Holidays:

  • Plan ahead: Be aware of upcoming bank holidyas. Adjust your budget and payment schedules accordingly.
  • Use Online and Mobile Banking: These eliminate the need to visit a physical bank branch, saving you time and effort. However, even mobile check deposits have their limitations during bank holidays. Although you can initiate a mobile check deposit, the processing won’t occur until the following business day. However, you can utilize either online and/or mobile banking platforms to manage your finances. These tools often allow you to access to account balances, transaction histories, set alerts and even schedule payments in advance.
  • Anticipate Cash Needs: If you anticipate needing cash around a bank holiday, consider withdrawing funds a day or two in advance to ensure you have the appropriate funds on hand.

Stay informed about Bank Five Nine’s holiday schedule, explore digital banking options, and consider adjusting your financial routines to ensure a smooth experience even during holiday periods. Sources: Federal Reserve Board – Holidays Observed – K.8

Mortgage Lending for Veterans at Bank Five Nine

Posted on August 21, 2023 by - Living Quarters

Bank Five Nine recognizes and appreciates the sacrifices made by Veterans and active service members to this country and our communities. To show our appreciation, we offer benefit programs to help this very special segment of the population with all their home buying needs.

VA Loans + Incentive

A VA loan helps Veterans, service members and eligible surviving spouses become homeowners. The benefits of using a VA home loan include no down payment (Lenders may require down payments for some borrowers using the VA home loan guarantee, but VA does not require a downpayment), competitively low interest rates, limited closing costs, no need for Private Mortgage Insurance, and it’s a lifetime benefit, meaning you can use the guarantee multiple times! And if that’s not enough to incentivize you to ask about the program, Bank Five Nine is offering up to $300 off closing costs when you finance your VA Home Loan through us.*

If you’d like additional information about this program or how Bank Five Nine can help, talk to a mortgage lender today!

*Borrower must meet U.S. Department of Veterans Affairs requirements to be considered for a VA Home Loan. Offer applicable for fixed rate first lien, 1-4 family real estate mortgage loans. Up to $300 off closing costs offer includes payment of customary borrower closing costs, at time of closing with Bank Five Nine. Available on all qualified purchases. This offer does not guarantee loan approval. Offer subject to loan approval. Not redeemable for cash. Loan rates and terms subject to credit history and other underwriting factors. Offer not valid for construction loans, lot loans, refinancing, or home equity lines of credit (HELOC).

Reviewing Random Acts of Kindness 2023

Posted on May 12, 2023 by - All Things Community

Throughout the month of April (and start of May), Bank Five Nine employees celebrated Community Banking Month and Power of Community Week by “paying it forward” to local citizens and organizations in the communities we serve! From dropping off flowers to local nursing homes, donating time and supplies to local animal shelters, surprising customers with free lunch, buying coffee for patrons of a community coffee shop, providing meals to local fire and police departments, to delivering surprises to hospital patients and staff, Bank Five Nine had a lot of fun demonstrating the commitment we have to our communities through many random acts of kindness! If you have a moment, we encourage you to scroll through the photos (maybe even get a few ideas yourself to do a random act of kindness!)

Making Lives Better Through Random Acts Contest
If someone has made your life better in the recent past, make sure to comment on the pinned Bank Five Nine’s Facebook page monthly contest post! We want to encourage kindness and positivity in our communities, so we’re asking you to share how someone has made your life better recently! It could be something big or small, as long as it has made a positive impact on your day! (Even as simple as someone holding the door open for you on your way out of a coffee shop. 😊) At the end of each month, we’ll select a winner from the comment section and ‘treat’ them for sharing! We will pin this post to the top of our page, so be sure to check it out and share the love throughout the month. Click here to get to our Bank Five Nine Facebook Page.

What are ACH Payments and How Do They Work?

Posted on March 23, 2023 by - Everyday Money

Have you ever received money in your bank account or paid your phone bill online? Chances are, you used ACH payments without even realizing it! But what exactly are ACH payments, and how do they work? In this blog, we’ll break down the basics!

First, what is “ACH”? ACH stands for Automated Clearing House, which is a secure, electronic network used by banks and other financial institutions to process a variety of transactions. These transactions can include direct deposits, online bill payments, and more.

When you receive money through direct deposit or send money through an online payment service, the funds are transferred through the ACH network. This process typically takes one to two business days to complete with the exception of holidays (holiday submission timelines here). ACH payments are safe, reliable, and efficient, making them a popular choice for businesses and consumers alike.

So, how do ACH payments work? Let’s use an example to explain the process. Imagine you’re paying your monthly cell phone bill online using your bank account. Here are the steps involved:

  • You log in to your online banking account and enter the payment information, including the phone company /provider name and your account number.
  • Your bank sends the payment information to the ACH network, which processes the transaction.
  • The phone provider/company receives the payment from the ACH network and applies it to your account.

It’s that simple! ACH payments are convenient because you don’t need to write a check or visit a physical location to make a payment. They’re also secure because the ACH network uses advanced encryption technology to protect your sensitive information.

ACH payments are a safe and efficient way to send and receive money electronically. They’re used by businesses and individuals to process a variety of transactions, from direct deposits to online bill payments. So the next time you use your bank account to pay a bill or receive money, you’ll know how the ACH network is working behind the scenes to make it all happen.  Learn more about Bank Five Nine ACH User Information here.

Flowchart of how ACH payments work

Understanding Mortgage Interest Rates

Posted on August 11, 2023 by - Living Quarters

Interest rates play a fundamental role in the world of mortgages. They determine the cost of borrowing and significantly influence the affordability of homeownership. In this blog we will explain how interest rates work, factors influencing them, and how they affect monthly payments and the overall cost of a mortgage. Of course, for more information, our team of Bank Five Nine Mortgage Lenders are always here to help answer any questions you may have.

Understanding Interest Rates

At its core, an interest rate is the cost of borrowing money. When you take out a mortgage, you’re essentially borrowing a substantial sum of money to purchase a home, and you are charged with interest for the privilege of accessing those funds. This interest is a percentage of the loan amount and is paid back over the life of the loan, which can typically range from 15 to 30 years or more.

When interest rates drop, housing prices often tend to go up and when interest rates are low, it becomes cheaper for people to borrow money to buy homes.

  • When interest rates are low, generally more people can afford to purchase houses, increasing the demand for homes. As demand rises, sellers can ask for higher prices since there are more buyers willing to pay.  
  • When interest rates rise, borrowing money for a home becomes more expensive. This can lead to fewer people being able to buy homes, causing the housing demand to go down. When demand goes down, sellers might need to lower their prices to attract buyers.

Factors Influencing Interest Rates

  • Economy:  During periods of economic growth, interest rates tend to rise as demand for credit increases. During economic downturns, interest rates often decrease to encourage borrowing.
  • Federal Reserve: The actions of the Federal Reserve in the United States, have a significant impact on interest rates. They use policy tools to influence the economy and may raise or lower interest rates to control inflation and economic growth.
    Here’s how it works: when the economy is speeding along too quickly and things are getting expensive too fast (that’s inflation, which we will talk about below), the Federal Reserve might make borrowing money a bit more expensive (meaning interests rates go up). This can help slow down spending and keep prices in check. On the flip side, when the economy is slow-moving. they might lower the cost of borrowing money (meaning interests rates go down). This encourages people to spend more, which can help the economy grow.
  • Inflation: Inflation is when things get more expensive, and your money can’t buy as much as it used to. To make sure the money they lend does not lose its value, lenders can raise the interest rates a bit when they think prices are going to go up. This helps them keep the money they lend worth the same, even if stuff gets pricier.
  • Credit Risk: Your “creditworthiness” as a borrower also affects your interest rate. Individuals with higher credit scores are seen as lower-risk borrowers and may qualify for lower interest rates, while those with lower scores may face higher rates. If you are someone who’s really good at paying back what you owe, lenders trust you more. They see you as a responsible borrower and might give you a lower interest rate. But if you have had trouble paying bills on time or managing your money, lenders might think you’re riskier, so they may charge a higher interest rate to make sure they’re covered if you can’t pay back on time.

Here are some blogs about credit:

Impact on Monthly Payments and Overall Mortgage Cost

  • Monthly Payments: The interest rate decides how much you pay every month for your mortgage. If the rate is higher, you will have to pay more each month. But if it is lower, your payments will be more affordable. At the beginning of your loan, a bigger part of your payment goes to interest.
  • Total Mortgage Cost: While you are paying off your mortgage, the interest you pay can become much bigger than the actual amount you borrowed. A high interest rate means you pay more in total, making the loan cost more. A low interest rate can save you a lot of money over the whole time you’re paying back the loan.

At Bank Five Nine, our Mortgage Lenders are always here to help you make sense of all things mortgage, guiding you toward the best practical mortgage options for your particular situation.
Find a Bank Five Nine Mortgage Lender here: www.bankfivenine.com/mortgage

Sources:
https://www.federalreserve.gov/faqs/why-do-interest-rates-matter.htm
The Fed – What is inflation and how does the Federal Reserve evaluate changes in the rate of inflation?

Fun Games to Teach Kids About Money

Posted on March 27, 2023 by - Family Matters

Teaching children about money is an important part of their financial education. One way to make learning about money fun is through playing games. Here are some fun money games for kids that can help teach them about financial literacy:

Monopoly Junior: This classic board game has a junior version that is perfect for younger children. It teaches them about money management, budgeting, and basic math skills. Monopoly has a bunch of themed game boards too!

The Game of Life: This board game simulates life events and teaches children about financial planning, decision-making, and risk management.

Money Bingo: Create a bingo card with different denominations of money and have children match them to actual coins and bills.

Savings Scavenger Hunt: Hide coins or bills around the house or yard and have children search for them. Once they find them, encourage them to save the money in a piggy bank or savings account.

Grocery Store Scavenger Hunt: Take children to the grocery store and challenge them to find the best deals and bargains. This will help them learn about comparison shopping and making smart purchasing decisions.

Lemonade Stand: Help children set up a lemonade stand and have them learn about entrepreneurship, profit and loss, and customer service.

Stock Market Game: Create a pretend stock market and have children invest pretend money in different stocks. This will help them learn about risk and return, diversification, and the importance of research.

Online Financial Literacy Games: Many websites offer online games that teach children about money management and financial literacy. Some popular options include Financial Football, Peter Pig’s Money Counter, and The Mint.

Money Jars: Give children three jars labeled “spend,” “save,” and “give.” Whenever they receive money, encourage them to divide it up into the jars according to their priorities.

DIY Board Games: Have children create their own board games that incorporate money management skills, such as budgeting, saving, and investing.

There are many fun and creative ways to teach children about financial literacy through games. By incorporating these games into their playtime, you can help children develop important money skills that will benefit them for a lifetime!