Type
Crossword
Description

APR, annual rate of interest AnnualPercentageRate
Person who deposits money in a bank or who has a bank account depositor
Federal Deposit Insurance Corporation; a federally sponsored corporation which insures accounts in national banks and other qualified institutions up $100,000 FDIC
amount of money paid to a customer for money on deposit with a financial institution, or the amount of money paid by a customer to a financial institution for borrowing money through a loan, credit card, etc. Interest
least amount required to be kept on deposit in a bank account RequiredMinimumBalance
numerical expression based on a statistical analysis of a person’s credit files; represents creditworthiness in a person, which is the likelihood he/she will pay debts in a timely manner; primarily based on credit report information from credit bureaus CreditScore
Fair Isaac Credit Organization; credit score used by most lenders FICO
retail goods which have a high selling price in comparison to other items BigTicketPurchases
interest rate does not fluctuate during the fixed rate period of the loan FixedInterestRate
interest rate may fluctuate up or down during the term of the loan AdjustableRateInterest
buyer gains use of the commodity immediately and pays for it in periodic payments Installments
single sum of money which serves as complete payment LumpSum
property acceptable as security for a loan or other obligation Collateral
money paid to the bank or mortgage company to cover expenses of processing a loan application ApplicationFee
when a potential lender buys a copy of one’s credit history to determine whether or not he/she is someone with the ability and character to repay a debt CreditCheck
total assets minus liabilities or debt NetWorth
ownership of a corporation indicated by shares which represent a piece of the corporation’s assets and earnings Stocks
debt securities issued by a corporation or unit of government to raise money Bonds
total holdings of the securities, commercial paper, etc. of a financial institution or private investor Portfolio

Financial Literacy Crossword

Type
Crossword
Description

a sum of money that is borrowed and expected to be paid back with interest in a specified time frame Loan
the amount charged, expressed as a percentage of principal, by a lender to a borrower for the use of assets Interest Rate
the annual rate that is charged for borrowing Annual Percentage Rate
a card that allows customers to access their funds immediately from their checking account Debit Card
a card that can be used at a store, restaurant, online, etc. that allows the cardholder to make a purchase immediately but then pay back the money later Credit Card
a card that usually does not charge interest; however it requires the cardholder to pay off his/her balance in full every month Charge Card
contains information about your credit such as loan paying history and the status of your credit accounts. Lenders use these reports to make lending decisions Credit Report
the sense of regret after buying something Buyers Remorse
allows you to track your income and your expenses Budget
a nonprofit-making money cooperative whose members can borrow from pooled deposits at low interest rates Credit Union
an amount of money that you owe to a person, bank, or company Debt

Banking Terms Crossword

Type
Crossword
Description

Bank branch offices, hours of operation, availability of ATM Location
Direct deposit, automatic payments, overdraft protects, online banking, discounts or free checking for students Special Features
Monthly charges, per check costs, printing of checks, balance inquiry cost, ATM checks Fees
Minimum balance, holding period for deposited checks Restrictions
An payment system where bills are paid through direct withdrawal from a bank account Automatic Payment
A financial cooperative owned by its members to serve its members. It offers the same financial services as a bank Credit Union
Allow customers to get cash and conduct banking transactions ATM
An account that allows you to deposit money and write checks on that account. Checking Account
The amount of money currently in an account Balance
A business that keeps money safe fro its customers, lends money to borrowers, and provides other financial services Bank
A banking card that can be used to purchase goods and services electronically. The amount is transferred immediately. Debit Card
The least amount of money a bank requires when opening an account Minimum Deposit
The money put into a bank account Deposit
A savings or checking account set up in the names of more than one person Joint Account
The money a bank pays for the use of a person’s money. Interest is referred to in terms of annual percentage rate (APR) Interest
Tells how much money you currently have in your account (account balance) Inquiry
A secret number or code that protects the security of an account PIN
An amount of money taken out of an account Withdrawal
A bank account that allows you to put money away to use later. The bank pays interest in exchange for the use of the money in the account Savings Account
Business done with a bank, including deposits, and withdrawals Transaction
A bank employee who performs banking services for the public, such as cashing checks and accepting deposits Teller

Saving and Investment Crossword

Type
Crossword
Description

a report showing your credit history and a numerial rating credit rating
an agency that collects information on how individuals pay their bills, etc. credit bureau
state of owing money to a business for a credit debt
a time during which interest is not charged to your credit card grace period
yearly cost of the loan, expressed as a percentage APR
fees based on the amount of money owe and the interest charged on the credit card interest
maximum amount you can charge on a credit card credit limit
a small plasitc card issured by a bank or financial institution credit card
as asset such as home or car collateral
your signature signed on the back of a check endorse
a void check advice of debit
items means to agree reconcile
a bank for people who are part of the same organization credit union
money taken out of an account withdrawal
money put into an account deposit
recorded tranaction in a book check register
money moved from one place to another transfer
money you pay back to a loan in regular payments installments
transfer of money from one bank account to another by electronic means electronic funds transfer
managing your money from a computer using the Internet online banking

Financial Terms Crossword Puzzle

Type
Crossword
Description

When you’re investing or saving, this is the interest that you earn on the amount you deposit, plus any interest you’ve accumulated over time. Compoundinterest
A number used by banks and other financial institutions to measure a borrower’s credit worthiness. FICOscore
The difference between your assets and liabilities. networth
The process by which you choose what proportion of your portfolio you’d like to dedicate to various asset classes, based on your goals, personal risk tolerance and time horizon. Assetallocation
Commonly referred to as fixed-income securities. Bonds
The increase in the value of an asset or investment — like a stock or real estate — above its original purchase price. Capitalgains
The process of buying or selling securities over time in order to maintain your desired asset allocation. Rebalancing
Also called equities or shares. Stocks
This is the process of paying off your debt in regular installments over a fixed period of time. Amortization
A type of mortgage in which the interest you pay on your outstanding balance rises and falls based on a specific benchmark. ARM
An account held by an impartial third party on behalf of two parties in a transaction. Escrow
A mortgage that carries a fixed interest rate for the entire life of the loan. Fixed-rate mortgage
Employer-sponsored retirement plans, such as pensions, in which the employer promises a specified retirement benefit based on a formula that may include an employee’s earnings history, length of employment and age. Defined-benefit plans
Companies often use these as management incentives. stockoptions
The payments you make to an insurance company in return for protection from financial losses within the scope of your policy. Premium
Used to determine your taxable income, minus any additional IRS-qualified deductions that you’re eligible to take. AGI
A person who is financially dependent on your income, typically a child or an adult relative you may support. Dependent
A standard amount that can be used to reduce your taxable income if you decide not to itemize your deductions. Standarddeduction
A qualified expense that the IRS allows you to subtract from your adjusted gross income, which further reduces your taxable income. Itemizeddeduction
A type of policy that provides additional liability coverage beyond what your home, auto or boat insurance may provide. Umbrellainsurance

Credit Cards Crossword

Type
Crossword
Description

Any card that may be used repeatedly to borrow money or buy products and services on credit. Creditcards
Any card that may be used repeatedly to borrow money or buy products and services on credit. Debitcards
A payment made to a professional person or to a professional or public body in exchange for advice or services. Fees
A current medium of exchange in the form of coins and banknotes; coins and banknotes collectively Money
The fee charged by a lender to a borrower for the use of borrowed money, usually expressed as an annual percentage of the principal; the rate is dependent upon the time value of money, the credit risk of the borrower, and the inflation rate. Interest
The amount of money owed to the credit card company. CreditcardBalance
A place where you can keep your money safe Bankaccount
When you don't pay bills on time Badcredit
When you pay your bills on time Goodcredit
A contractual agreement in which a borrower receives something of value now and agrees to repay the lender at some later date. Credit
When a person you work for or your boss pays you not in cash Check
A price that one has to pay Bill
When you put money or a check into your acount deposit
The record of use of debt. Credithistory
A bank account equally shared by two or more people Jointaccount
Charged by a credit card company each year for use of a credit card. Annualfee
A three digit number that summarizes how well a person or business has handled debt and credit Creditscore
The total cost of borrowing, including interest and fees, expressed in a dollar amount. financecharge
Consumers or businesses seek legal assistance when bills cannot be paid. Bankruptcy
An amount owed Debt

Financial Literacy Word Search

Type
Word Search
Description

minimum payment
lender
late fee
interest
grace period
delinquency
credit score
credit report
credit limit
credit card
collection account
borrower
annual percentage rate
annual fee
withdrawal
transfer
transaction
service charge
overdraft
online banking
minimum balance
financial institution
direct deposit
deposit
debit card
credit union
checking account
Check register
Balance
ATM

Personal Finance Chapters 1 and 2 Crossword

Type
Crossword
Description

All of the decisions and activities of an individual or family regarding their money, including spending, saving, budgeting, etc. Personal Finance
An obligation of repayment owed by one party (debtor/borrower) to a second party (creditor/lendor) Debt
A fee paid by a borrower to the lender for the use of borrowed money Interest
The granting of a loan and the creation of a debt; any form of deferred payment Credit
A system by which goods and services are produced and distributed Economy
A person or organization that buys/uses goods or services Consumer
A debt evidenced by a "note," which specifies the principal amount, interest rate, and date of repayment Loan
The knowledge and skillset necessary to be an informed consumer and manage finances effectively Financial Literacy
Interest paid on interst previously earned Compound Interest
An account that generates interest income on the available balance in the account Interest-Bearing
The five steps to financial success Five Foundations
The persistent increase in the cost of goods and services or the persistent decline in the purchasing power of money Inflation
Saving money over time for a large purchase Sinking Fund
A savings account that is set aside to be used only for emergency expenses Emergency Fund
A rate which is either charged (on debt) or paid (on investment accounts) for the use of money Interest Rate

Banking Services Crossword

Type
Crossword
Description

State-chartered or federally chartered financial intermediary that accepts deposits from the public and invests those funds primarily in residential mortgage loans. Savingsandloanassociation
A check written for more money than is currently in the account. If the bank refuses to cash the check, it’s said to have bounced. overdraft
The fee paid for the use of money. Interest may be paid, for example, by an individual to a bank for a credit card loan, or by a bank to an individual for holding a savings account; interest is expressed in terms of annual percentage rate (APR). interest
Anything generally recognized as a medium of exchange. money
A checking account demanddeposit
An establishment for lending, issuing, borrowing, exchanging, and safeguarding money. banks
the journal used to record all of the checks, cash payments, and outlays of cash during an accounting period. checkbookregister
A banking card enhanced with ATM (automated teller machine) and point-of-sale (POS) features that can be used to purchase goods and services electronically. debitcard
To write the payee’s own signature on the back of a check before cashing, depositing, or giving it to someone else. endorsement
– A member-owned financial institution, either state or federally chartered. creditunions
Any written document instructing a bank to pay money from the writer’s account. check
The amount charged, expressed by a percentage of principal, by the lender to a borrower for the use of assets. interestrate
the means by which a government adjusts its spending levels and tax rates to monitor and influence a nation’s economy. fiscalpolicies
A governmental agency established by Congress to organize and regulate banking throughout the United States. The twelve reserve banks keep paper and currency reserves for affiliated banks. federalreservesystem
A “used” check that has been paid and subtracted from the check-writer’s account. canceled check
The macroeconomic policy laid down by the central bank. monetarypolicy
The total amount of money in circulation or in existence in a country. moneysupply
A process that explains the difference on a specified date between the bank balance shown in an organization's bank statement reconciliation

Chapter 10 Crossword

Type
Crossword
Description

the availability of liquid assets to a market or company liquidity
deposit of money that can be withdrawn without prior notice demand deposit
the trade in short-term loans between banks and other financial institutions money market
investment program funded by shareholders that trades in diversified holdings and is professionally managed mutual fund
practice whereby a bank accepts deposits, makes loans or investments, and holds reserves equal to a fraction of its deposit liabilities Fractional-reserve banking
failure to fulfill an obligation, especially to repay a loan or appear in a court of law. default
a legal agreement by which a bank or other creditor lends money at interest in exchange for taking title of the debtor's property, with the condition that the conveyance of title becomes void upon the payment of the debt. mortgage
money paid regularly at a particular rate for the use of money lent, or for delaying the repayment of a debt. interest
(of money) denoting an original sum invested or lent principal
a quick method of calculating the interest charge on a loan simple interest
interest calculated on the initial principal and also on the accumulated interest of previous periods of a deposit or loan compound interest
nonprofit-making money cooperative whose members can borrow from pooled deposits at low interest rates. credit unions

Balancing a check Crossword

Type
Crossword
Description

an extension of credit from a lending institution when an account reaches zero overdrafts
A nine digit number associated with your bank account that is used to determine where to send a fund to or from Routing number
a transactional deposit account that allows you to withdrawal and deposit money basiccheckingaccount
a written, dated and signed instrument that allows you to take money out of your account to pay someone check
is a plastic payment card that provides the cardholder electronic access to their bank account at a financial institution Debitcard
Electronic funds that are deposited directly into your bank account rather than through a paper check directdeposit
A type of short-term borrowing where an individual borrows a small amount at a very high rate of interest. paydayloan
Keep their money in the bank in order to be able to loan money to each other, which helps achieve these financial benefits creditunion
the number on a check routingnumber
A bank that provides the nation with a safe, flexible and stable monetary and financial system. federalreserve