At Chemical Bank, we are committed to helping children, teens, adults and senior citizens establish and develop good money management habits that allow them to make informed financial decisions, empowering them to take control of their financial future.

View the available financial workshops below and then visit your local Chemical Bank office to see which courses are available near you!

 

BUDGETING WORKSHOP

One of the first steps to financial security is planning and following a budget. This workshop illustrates the importance of budgeting, how to track spending, explains the various aspects of a budget and how to make adjustments if your expenses exceed your income. It also explains different budgeting systems, provides tips for budgeting, offers ways to decrease spending and includes information on some tax credits that may help increase your income. 

CHECKBOOK MANAGEMENT WORKSHOP

This workshop allows participants to understand the benefits of a checking account, what to expect when opening an account and how to responsibly use a checking account. It demonstrates how to complete a deposit ticket, write a check, maintain a check register, read a bank statement and balance the bank statement against a check register. 

CREDIT BASICS WORKSHOP

Using credit responsibly is a critical part of managing personal finances. This workshop explains what credit is, the characteristics used to determine a person’s creditworthiness, the cost of credit, how to establish credit, the types of credit, tips for managing credit, and reviews a sample credit report as well as how a credit report affects your credit score. 

HOME BUYERS WORKSHOP

Buying a home is a big step because owning a home is a long-term commitment. This workshop explains what is involved in buying a home by learning the process and identifying the steps necessary to achieve home ownership. It will help you determine if you are ready to buy a house, how much of a mortgage you can afford and explain all of your mortgage financing options so you can select a loan program that fits your budget, lifestyle and goals.

IDENTITY THEFT VS. FRAUD

This presentation defines identity theft and fraud and explains the difference between the two. It focuses on signs of identity theft, how to respond if you become a victim of identity theft, various types of fraud schemes, how to avoid becoming a victim of fraud and tips for protecting your privacy. 

ORGANIZING FINANCIAL PAPERWORK 

What do you need to know and have ready if you are forced to leave your home quickly during a disaster or emergency? What information would your family need to have access to in case of your death or incapacitation?  A systematic plan for keeping track of important papers can save hours of anxious searching and can help make it easier to cope in case of emergency.  This workshop describes how a Financial Notebook will help you manage your financial affairs, what should be included in a notebook, where to store important documents and ways to control paper clutter.

SAVINGS WORKSHOP

Saving money is an important part of building your financial future. Use this workshop to understand the importance of saving money, how to set goals, identify ways to save money, learn account options available and helpful tips to help save toward your financial goals.

FINANCIAL LITERACY PROGRAMS OFFERED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION 

For additional financial education programs and resources, please visit the Federal Deposit Insurance Corporation's (FDIC) education center by clicking here.