First select the correct program year. Then click the arrow next to the Search for box, select a civic objective number, and click Go. (For a list of all civic objectives with corresponding language and literacy objectives, click here). To view a detailed civic objective and additional assessment plan (COAAP), click View Details. Language and literacy objectives with an asterisk (*) are suitable for beginning low level students.

Civic Objective # Program Year
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Review or Change Current Selections (California Agencies)

Consumer Economics
Civic Objective #:1 General Topic Area:Banking
Civic Objective:Identify, evaluate, and compare financial service options in the community.
AAP # Type Level Language and Literacy Objectives Details
1.4 Written Beginning Low - Advanced
1 Read and reconcile financial statements.
2 Compare advantages and disadvantages of using cash, credit, checks, debit cards, and online services to make purchases and pay expenses.
3 *Read and discuss credit card and bank statements.
7 *Fill out a basic application for a bank, credit card, online/mobile payment services account; identify requirements for opening an account.
11 *Read and fill out a personal check, a check register and/or deposit and withdrawal slips.
15 Fill out applications (e.g. for a loan, checking or savings account, credit card or online/mobile payment services, etc.).
16 Contact a financial institution (e.g. to dispute a service charge, report a stolen credit card, complain about bank services, etc.).
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1.5 Portfolio Beginning Low - Advanced
1 Read and reconcile financial statements.
2 Compare advantages and disadvantages of using cash, credit, checks, debit cards, and online services to make purchases and pay expenses.
3 *Read and discuss credit card and bank statements.
9 *Name financial institutions/services in the community.
10 *Ask and answer questions about locations, hours, and cost of services of financial institutions in the community.
11 *Read and fill out a personal check, a check register and/or deposit and withdrawal slips.
14 Compare the advantages and disadvantages of using financial services provided by banks, credit unions, credit card companies, check cashing services, including direct deposit, online bill pay, mobile payment apps, pay day loans, etc.
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1.6 Written, Role Play Beginning Low - Advanced
5 *Examine personal spending habits in order to identify ways to create a budget.
8 *Identify the vocabulary for different types of bank accounts, statements and financial institutions.
9 *Name financial institutions/services in the community.
10 *Ask and answer questions about locations, hours, and cost of services of financial institutions in the community.
13 *Conduct conversations with a bank employee.
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1.7 Written Beginning Low - Advanced
1 Read and reconcile financial statements.
2 Compare advantages and disadvantages of using cash, credit, checks, debit cards, and online services to make purchases and pay expenses.
7 *Fill out a basic application for a bank, credit card, online/mobile payment services account; identify requirements for opening an account.
11 *Read and fill out a personal check, a check register and/or deposit and withdrawal slips.
15 Fill out applications (e.g. for a loan, checking or savings account, credit card or online/mobile payment services, etc.).
16 Contact a financial institution (e.g. to dispute a service charge, report a stolen credit card, complain about bank services, etc.).
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1.8 Written Beginning Low - Advanced
2 Compare advantages and disadvantages of using cash, credit, checks, debit cards, and online services to make purchases and pay expenses.
5 *Examine personal spending habits in order to identify ways to create a budget.
6 Identify and discuss credit issues (e.g. know, monitor and improve credit score, manage/avoid consumer debt, identify ways to build good credit, etc.).
8 *Identify the vocabulary for different types of bank accounts, statements and financial institutions.
9 *Name financial institutions/services in the community.
10 *Ask and answer questions about locations, hours, and cost of services of financial institutions in the community.
12 *Identify issues that may arise when using check-cashing services.
14 Compare the advantages and disadvantages of using financial services provided by banks, credit unions, credit card companies, check cashing services, including direct deposit, online bill pay, mobile payment apps, pay day loans, etc.
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1.9 Written, Role Play Beginning Low - Advanced
5 *Examine personal spending habits in order to identify ways to create a budget.
6 Identify and discuss credit issues (e.g. know, monitor and improve credit score, manage/avoid consumer debt, identify ways to build good credit, etc.).
8 *Identify the vocabulary for different types of bank accounts, statements and financial institutions.
10 *Ask and answer questions about locations, hours, and cost of services of financial institutions in the community.
13 *Conduct conversations with a bank employee.
17 *Complete a tax preparation chart.
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