💳
📕 A2: Grades 7-9 • JOBS & MONEY

A Beginner's Guide to Bank Accounts

Learn about banks and money. Practice using 'need to' and 'have to' for obligations. Talk about different ways to pay.

A Beginner's Guide to Bank Accounts
💬 Warm-up
1 Do you have a bank account? Why or why not?
2 What do you use money for every day?
3 Do you prefer cash or a card? Why?

🎯 Objectives

  • Use vocabulary: card, account, cash, bank, need, want
  • Use 'need to' and 'have to' to talk about obligations
  • Discuss different ways to pay in English
In this block:

📚 Vocabulary

1.
card
"I use my card to pay at the store."
A piece of plastic you use to pay or get money from an ATM.
2.
account
"She opened a bank account to save money."
A place in a bank where you keep your money.
3.
cash
"I paid with cash because I don't like cards."
Money in bills and coins.
4.
bank
"I go to the bank to deposit my paycheck."
A business where people keep and manage their money.
5.
need
"You need to show your ID to open an account."
To require something because it is important.
6.
want
"I want to save money for a new phone."
To wish for or desire something.
🗓️ Friday, 9th October 2026
card
A piece of plastic you use to pay or get money from an ATM.
account
A place in a bank where you keep your money.
cash
Money in bills and coins.
bank
A business where people keep and manage their money.
need
To require something because it is important.
want
To wish for or desire something.

✍️ Practice

Guess the missing word.
1. I always carry some cash in my wallet for emergencies.
2. She paid for the coffee with a debit card instead of cash.
3. I went to the bank to open a new account.
4. I want to learn more about saving money.
5. You need to bring your passport to open a bank account.
6. He put his savings in a checking account at the local bank.
🗓️ Friday, 9th October 2026
1. I always carry some cash in my wallet for emergencies.
2. She paid for the coffee with a debit card instead of cash.
3. I went to the bank to open a new account.
4. I want to learn more about saving money.
5. You need to bring your passport to open a bank account.
6. He put his savings in a checking account at the local bank.

📖 Reading

Your First Bank Account

Do you have a bank account? Many people open their first account when they start working or saving money. A bank account is a safe place to keep your cash and use it later. You can get a card to use your money without carrying cash. To open an account, you need to visit a bank and show your ID. You have to fill out a form with your name and address.

Once you have an account, you can deposit money. You can also withdraw cash at an ATM using your card. Some people prefer cash because it is easy to understand. But a card is more convenient. You do not have to carry a lot of money with you. You just need to remember your PIN number.

When you are a beginner, it is important to know the rules. You have to keep your card safe. You need to check your balance often. If you want to save money, you can put some cash in your account every month. A bank account helps you manage your money and reach your goals.

Comprehension Questions

1.
What do you need to open a bank account?
You need to visit a bank and show your ID. You also have to fill out a form.
2.
How can you get cash from your account?
You can withdraw cash at an ATM using your card.
3.
Why do some people prefer cash over a card?
Because cash is easy to understand and you can see your money.
4.
What should you do to keep your card safe?
You have to keep your card safe and remember your PIN number.
5.
How can a bank account help you save money?
You can put some cash in your account every month to reach your goals.

🎧 Listening Practice

Ethan's Banking Story

0:00 / 0:00
Listening context

Comprehension Questions

1.
Why did Ethan open a bank account?
His boss said he needs to have a bank account so they can pay him.
2.
What did Ethan need to bring to the bank?
He needed to bring his ID and a proof of address like a utility bill.
3.
What type of account did Ethan open first?
He opened a checking account.
4.
Why does Ethan prefer using his card over cash?
Because he doesn't have to carry money with him.
5.
What does Ethan want to save money for?
He wants to save for a new laptop.

🗣️ Pair Work

Banking Talk: Different Ways to Pay

"In pairs or small groups, discuss the different ways people can pay for things. Use the vocabulary words and the grammar 'need to' and 'have to'."

👉 Talk about when you use cash. Say one advantage and one disadvantage.

👉 Discuss using a debit or credit card. What do you need to have to use a card?

👉 Compare online payments (like mobile apps) with in-store payments. Which is easier? Why?

👉 Ask your partner: 'What do you have to do to open a bank account?' Share your ideas.

🚀 EnglishDee Tasks

KEYWORDS: card account cash bank need want
✍️ WRITING

Banking: Write About Banks and Money

Write a short paragraph (80-100 words). First, describe what a bank is. Then explain why people use banks. Finally, write about 1 way to pay (cash or card).

✅ Checklist:
  • Minimum 80 words.
  • Use at least 4 vocabulary words from the list (card, account, cash, bank, need, want).
  • Include one sentence with 'need to' or 'have to'.
  • Structure: topic sentence, body, conclusion.
🎙️ SPEAKING

Bank Talk: Record a 45-Second Talk

Record a 45-second talk about banking. Introduce yourself. Say what a bank is and why people use it. Describe 1 way to pay. Give 1 reason you 'need to' or 'have to' go to a bank. End with a closing sentence.

✅ Checklist:
  • Recording duration: 45 seconds.
  • Use at least 4 vocabulary words.
  • Speak clearly and at a natural pace.
  • Include one sentence with 'need to' or 'have to'.
Helpful Phrases
  • I think a bank is a place where...
  • People use banks because they need to...
  • One way to pay is with a card. You have to...
  • I prefer cash because...
  • To open an account, you have to...
  • I want to save money because...