AROV's Complete Beginners Guide to Banking and Credit Scores is intended for absolute novices who are looking for a fundamental introduction to the concepts of banking and credit.

We start off by giving a brief explanation of how banks operate, how they make such massive profits, and why they aren’t merely a selfless institution that simply wants to keep your money safe. The class then delves into different types of bank accounts available to most common people, including basic savings and checking accounts, as well as CD (Certificate of Deposit) and Money Market accounts. We address how these accounts are similar, and in what ways they may differ. The course then explores credit by explaining what credit scores are, why they exist, how people can generally maintain them, and in what way they can be considered somewhat ironic.

We aim to make this class a quick and easy introduction to how banks work. We also offer a brief survey of the fundamental services they tend to offer. The information within should serve as a cornerstone for basic financial literacy.

Designed for people with little to no knowledge of banking.