Training Modules

  • Banking Basics
    This training series provides a simple introduction to the primary services offered by banks and credit unions, including checking accounts, savings accounts, certificates of deposit and debit cards. It also covers opening an account, resolving problems, the options that bank customers have and the decisions they need to make when using bank services.

  • California LifeLine
    Universal LifeLine Telephone Service (ULTS), also known as California LifeLine, provides discounts on basic residential telephone service to eligible low-income households. Consumers who qualify for California LifeLine pay a fraction of the regular cost for telephone connection and monthly local telephone service. This brochure explains the features and benefits of Lifeline phone service, how to apply for the program, and what you must do to continue participation.

  • Checking/Savings Accounts
    This module encourages unbanked and underbanked consumers to get checking and savings accounts, and guides them through selecting, opening, using and managing the accounts.

  • Choosing a Prepaid Card
    The Choosing a Prepaid Card module, which includes a four-page fact sheet, a backgrounder written in question-and-answer format, a slide presentation for group trainings and a companion lesson plan with class activities, helps consumers determine if a prepaid card will meet their needs and, if so, how to compare options and choose the best one. The module offers detailed information about the types of fees that are common on prepaid cards, how to estimate the monthly cost of a card and how to manage the card to reduce or avoid fees. If you are looking for our 2012 module, "Prepaid Cards: An alternative to credit and debit cards,” click here.

  • Credit Card Fraud
    This module is designed to help participants to recognize and avoid many forms of fraud that involve credit cards, such as skimming, phishing, ID theft and counterfeit cards.

  • Credit Card Terms
    This module is designed to help participants to understand the different types of cards available; sort through offers to choose the card that's right for them; understand credit card terms and conditions and avoid fees and penalty rates. The series includes a multilingual brochure (English, Spanish, Chinese, Korean and Vietnamese), training manual, training guide and PowerPoint slides.

  • Credit Freeze
    A credit file "security freeze" is a preventive tool to help you avoid identity theft and to block impostors from using your personal information to establish credit. This module explains how to place, lift and remove a security freeze on your credit file. It includes a multilingual brochure, training manual (Q&As), lesson plan, state credit freeze chart and PowerPoint slides.

  • Credit Reports, Credit Scores and Specialty Reports
    This module contains information on what goes into the credit report and score, interpreting the credit score, improving credit rating, types of specialty reports, who should request their report, how to get your reports, your rights under the federal Fair Credit Reporting Act (FCRA) and the Fair and Accurate Credit Transaction Act (FACTA).

  • Digital Dollars
    The Digital Dollars series provides information, advice and training materials to help consumers navigate the new online economy. The series contains three multilingual brochures: Banking Online Safely; Mobile Banking and Mobile Payments; and Safety and Privacy in Online and Mobile Transactions. The brochures are accompanied by a lesson plan and PowerPoint slides that you can download.

  • Elder Fraud
    This training module covers many guises of fraud (with special attention to scams that target senior), signs of fraud and tips for avoiding scams.

  • Empower U
    The Empower U training module provides you with tools and materials that you can use to educate your clients and community on four key telecommunications topics: TV service, wireless phone service, Internet service and telemarketing. It consists of four multilingual fact sheets, a PowerPoint presentation and companion guide, and a quiz with answer key.

  • Families and Credit Cards
    This module is designed to help parents and trainers talk to youth about credit cards. Topics include adding cardholders to your account, secondary cardholder policies, payment options for kids while they're traveling and helping young people understands the importance of good credit. The series includes a multilingual brochure (English, Spanish, Chinese, Korean and Vietnamese), training guide and PowerPoint slides.

  • Good Credit
    This training module covers what credit history is, what a credit report is, how to get your credit report, how to establish good credit and where to complain if you have a problem.

  • ID Theft and Account Fraud
    This training module covers steps to prevent ID theft, or if you are a victim, to clear up the problems created by ID theft and to lessen its impact on your life.

  • Micro Business
    This module is designed to help participants learn basic information about the creation and financial management of a micro business. Micro businesses are very small companies run by their owners with few employees. They are often home-based, with annual sales under $250,000 and few assets, but they can qualify for loans to help them grow into large regional, national or franchise businesses.

  • Military Money
    This module enables servicemembers and veterans to recognize and avoid scams and abusive credit terms, identify better borrowing and banking options and understand what special consumer finance protections they may have under the law.

  • Money Management 1-2-3
    This module covers all aspects of money management from building a strong financial foundation, achieving financial goals and planning a secure financial future.

  • Personal Bankruptcy
    This training module covers bankruptcy new rules (effective in October 2005) in order to give debt-burdened consumers an organized and systematic way of paying back creditors.

  • Rebuilding Good Credit
    This training module covers the importance of having a good credit, your rights if your credit application is rejected, how to check your credit report, how to dispute mistakes on your credit report and how to begin to rebuild good credit.

  • Saving to Build Wealth
    This training module covers information about the importance of saving, setting short- and long-term goals to promote saving, opening a savings account and ways to make your money grow faster, including certificates of deposit (CDs), individual retirement accounts (IRAs), U.S. Savings Bonds and college savings accounts.

  • Short Term Credit
    Credit can be a valuable financial tool for consumers who understand its costs and benefits and how to use it wisely. This module helps consumer to defines open-ended, or revolving, credit, including credit cards, home equity lines of credit and overdraft lines of credit, and discusses the pros and cons of using credit. It includes tips on high-cost credit to avoid.

  • Successful Homeownership
    This module covers the financial responsibilities of homeownership and how to manage them, how to maintain and protect your property, and how to build and preserve your home equity.

  • Teens and Money
    This training series is designed primarily for parents but may also be useful for older teens. The materials cover—budgeting, figuring out if a purchase is a "need" or a "want," banking, writing checks, savings, credit cards, credit reports, driving and cell phones.

  • Tracking Your Money
    This training module covers basic money management and develop a budget or spending plan to control your expenses.


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