The publication was produced in cooperation with the New York State Banking Department and is intended primarily as a teaching module to introduce high school students to how banks operate and how consumers can make best use of a bank's services. There is no assumption of prior banking experience or knowledge. In addition to some brief notes to the instructor and some introductory information on what banks are and how various types of banking institutions differ, there are sections on: checking accounts, savings accounts, home mortgages, business loans, foreign banking, student loans, trust and investment advisory services, State and Federal regulatory agencies, and banking terminology. Each section (except those in regulatory agencies and terminology) begins with an illustrative anecdote, continues with questions and sometimes detailed answers, and ends with a list of review questions. There are a few brief tables (to illustrate interest rates, for example) and some reproductions of various banking forms. (PR)