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📕 A2: Grades 10-12 • MONEY BASICS

Opening Your First Bank Account

Learn how to open a bank account. We practice using present simple and can/can't. You will learn words like card, account, transfer, withdraw, PIN, and online.

Opening Your First Bank Account
💬 Warm-up
1 Do you have a bank account?
2 What can you do with a bank account?
3 Why do people open bank accounts?

🎯 Objectives

  • Use present simple to describe bank account steps
  • Use can and can't to talk about banking abilities
  • Understand and use 6 key banking vocabulary words
In this block:

📚 Vocabulary

1.
account
"I have a savings account at the bank."
An arrangement with a bank to keep your money safe.
2.
card
"I use my card to pay for things in stores."
A plastic or metal piece that lets you spend money from your account.
3.
PIN
"Do not share your PIN with anyone."
A secret number you type to use your card safely.
4.
transfer
"I can transfer money to my friend's account online."
To send money from one account to another.
5.
withdraw
"You can withdraw cash from an ATM."
To take money out of your bank account.
6.
online
"I check my balance online every week."
Connected to the internet; you can do banking on a website or app.
🗓️ Friday, 9th October 2026
account
An arrangement with a bank to keep your money safe.
card
A plastic or metal piece that lets you spend money from your account.
PIN
A secret number you type to use your card safely.
transfer
To send money from one account to another.
withdraw
To take money out of your bank account.
online
Connected to the internet; you can do banking on a website or app.

✍️ Practice

Guess the missing word.
1. I need to transfer some money to pay the rent.
2. Never write your PIN on your card.
3. To open a bank account, you need to show your ID and set up an account at the bank.
4. You can pay with your card at most stores.
5. You can withdraw cash from the ATM machine.
6. Many people do their banking online because it is fast and easy.
🗓️ Friday, 9th October 2026
1. I need to transfer some money to pay the rent.
2. Never write your PIN on your card.
3. To open a bank account, you need to show your ID and set up an account at the bank.
4. You can pay with your card at most stores.
5. You can withdraw cash from the ATM machine.
6. Many people do their banking online because it is fast and easy.

📖 Reading

My First Bank Account

Hi, I'm Leo. Last month, I opened my first bank account. It was exciting but also a little confusing. First, I chose a bank near my school. The bank teller asked for my ID and my phone number. She said, 'You can open a student account for free.' That was great!

Next, the teller gave me a debit card. She told me, 'Remember your PIN. Never share it with anyone.' I wrote my PIN on a paper and hid it at home. Now I can withdraw cash from an ATM anytime I need it.

I also learned to transfer money online. My dad taught me how to send money to my sister. I use the bank's app on my phone. It is very fast. I check my balance every week, so I know how much money I have.

I feel happy and responsible now. I can save money for a new game. I can also pay for my lunch with my card. My advice: ask questions and be careful with your PIN. A bank account really helps!

Comprehension Questions

1.
Where did Leo open his first bank account?
He opened it at a bank near his school.
2.
What did the bank teller give Leo?
The teller gave him a debit card.
3.
Why must you never share your PIN?
You must not share your PIN so that your money stays safe.
4.
How can Leo check how much money he has?
He checks his balance every week on the bank's app.
5.
What can Leo do with his bank account now?
He can save money, pay for his lunch, and withdraw cash.

🎧 Listening Practice

Talking About My Bank Account

0:00 / 0:00
Listening context

Comprehension Questions

1.
How old was Aurora when she opened her bank account?
She was fourteen years old.
2.
Who helped Aurora open the account?
Her mom helped her.
3.
What kind of account does Aurora have?
She has a savings account.
4.
How does Aurora check her balance?
She checks her balance online every month.
5.
Why does Aurora always check her balance before buying something?
She checks her balance so she does not spend more money than she has.

🗣️ Pair Work

Banking Talk: Types of Bank Accounts

"In pairs, talk about different types of bank accounts. Use the vocabulary and the grammar from this lesson. Ask and answer questions with present simple and can/can't."

👉 Think of two types of bank accounts: a checking account and a savings account.

👉 With your partner, discuss what you can do with each account. For example: 'I can withdraw money from a checking account.'

👉 Talk about what you can't do. For example: 'You can't spend more money than you have.'

👉 Use the words account, card, transfer, and PIN in your conversation.

🚀 EnglishDee Tasks

KEYWORDS: account card PIN transfer withdraw online
✍️ WRITING

Bank Guide: Write for a Friend

Write a short guide for a friend opening their first bank account. Explain what they need (ID, card, PIN) and why a bank account is useful. Step 1: List what to bring. Step 2: Tell how to set up online banking. Step 3: Give 1 safety tip. Write 80-100 words.

✅ Checklist:
  • Write 80-100 words.
  • Use at least 4 vocabulary words (account, card, PIN, transfer, withdraw, online).
  • Use present simple (e.g., 'You need...') and can/can't.
  • Include a greeting and a closing.
🎙️ SPEAKING

Banking Tips: Give a Short Talk

Record a 45-second talk explaining how to manage a bank account responsibly. Start with why it is important. Then give 2 tips (check balance, keep PIN secret). End with 1 thing you can't do (don't spend more than you have).

✅ Checklist:
  • Speak for 45 seconds.
  • Use at least 4 vocabulary words (account, card, PIN, transfer, or online).
  • Focus on fluency: speak at a natural pace.
  • Structure: Introduction (5 sec), tips (30 sec), conclusion (10 sec).
Helpful Phrases
  • To open an account, you need your ID.
  • You can transfer money online easily.
  • Never write your PIN on your card.
  • A bank account helps you save money.