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You will also need a container marked “Bank” (e.g., box, hat) and enough paper money copied, cut, and put into envelopes so that each participant has: Two $20s = $40 Four $10s = $40 Three $5s = $15 Five $1s = $5 Total = $100 Note: the paper money can be found on page 31 of this Instructor’s Guide. Complete Notes for Each Module. Safety Measures. maintain a safe and stable banking system. board of governors, 12 regional reserve banks, federal open market committee, received through your employer, opt in means money from paycheck to account automatically=less taxes, some employers match, money you save for higher education, tax benefits, send in simple tax situations unless homes/stocks, amount income tax owed to the IRS, ATM, bounced check (write check wout money in account), service, overdraft (take $ out of account you don't have), required balance fee, second range of #s, which account $ coming from, need to know for direct debits & deposits, interest rate charged by your credit card on any balance not paid off before the next billing cycle, move money by transferring to account w lower interest rate, charges on profit made from selling something at a higher price than you bought it, deposit held for certain period of time. Everfi Financial LIteracy- Module 5 - Higher Education... | Quizlet. 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