One in a series of consumer education materials for teenagers, this document focuses on banking and banking services. The series is based on the philosophy that teens need the training and guidance to develop the skills needed to become competent consumers. Developed for 4-H Club members, the material is designed to acquaint students with the functions of a bank, and to teach them how to use a checking account and how to write checks. Two sections comprise the guide: the teacher's guide, which contains statement of purpose of individual activities, objectives, ideas, suggested resources, activities for learning experiences, and evaluation; and the student section, which offers background information and specific learning activities. (Author/JR)