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Congress created the Federal Deposit Insurance Corporation in 1933 to restore public confidence in the nation’s banking system. The FDIC insures deposits at the nation’s banks and savings associations, 5,607 as of March 31, 2018. It promotes the safety and soundness of these institutions by identifying, monitoring and addressing risks to which they are exposed. The FDIC receives no federal tax dollars—insured financial institutions fund its operations.


Research has shown that hands-on learning opportunities involving savings accounts enhance the effectiveness of financial education for young people. The FDIC now offers several resources that can help banks, schools, and others learn proven strategies to connect financial education with the opening of safe, low-cost savings accounts for school-aged children.

Learn more about these tools at the FDIC’s Youth Banking Resource Center. This website also links to other relevant resources including a tool developed by the Conference of State Bank Supervisors (CSBS) to help banks and schools quickly identify key state laws governing youth account ownership.


  • The Money Smart for Young People curriculum series features four standards-aligned instructor-led curricula for young people – Money Smart for Grades Pre-K-2, 3-5, 6-8, and 9-12. It also includes parent/caregiver resource guides in English and Spanish. The materials, along with short videos to overview the curriculum, can be accessed through the FDIC’s Teacher Online Resource Center.


Additional FDIC resources can be found in the Jump$tart Clearinghouse.


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Luke Reynolds
(202) 898-7164