The use of payment services and savings programs influences other aspects of financial planning. Attempts to minimize banking fees while maximizing earnings on funds are common objectives.
| Short-Term Financial Planning Activities | Banking Services Websites |
| 1. Identify various financial services needed for savings,
payment, and money management activities. Identify
financial institutions that you might use to obtain these
services. | PFP Sheet 23 | |
| 2. Compare the rates of return, fees, and other factors for
different savings plans that you might use to meet your
financial goals. | PFP Sheets 24, 25 |
| 3. Compare the features and costs of checking and check card
services at various financial institutions. | PFP Sheets 26, 27 |
| Long-Term Financial Planning Activities |
| 1. Identify saving decisions that would best help you
achieve long-term financial goals. | Pages 140–143 |
| 2. List the economic conditions (inflation, current interest
rates) and personal factors related to the costs and benefits
of financial services that you should monitor as your
personal life situation changes over time. | Pages 135–136 |
