What A Bank Can Do - Union Bank

We dedicate this book to themany friendly people we’ve metover the years who have helped us with our personal andbusiness banking needs. In small towns where we lived aswell as in large-city financial centers, we’ve always foundthe banking representatives--tellers, loan specialists andmanagers--to be courteous, professional and concernedabout our convenience and financial security. Also, wesalute parents and teachers who help children learn abouthandling money, being thrifty in their spending habits andenjoying saving money so it is available when specialneeds arise.Copyright © 2013 by John TuzeeAll rights reservedText by John and Diane TuzeeIllustrations by Mike KasunPrinted in USAPublished by Kids Life PressP.O. Box 3484, Pismo Beach, CA 93448www.kidslifepress.comLibrary of Congress Control Number: 2012950752ISBN: 978-0-9755348-8-5

Luke and Linda each had a toy bank, a placeto keep their money.His looked like a pig, hers like a dog. Bothwere cute and funny.3

4When Uncle Mike gave a gift of a crisp paper dollar,Luke’s piggy-bank would smile and light up.“Oink, oink—thank you—oink,” it would holler.

When Aunt Sue gave Linda a handful of changeincluding a nickel and dime,the little doggie-bank jumped up and down,wagged its tail and barked every time.5

6They enjoyed helping Mom and Dad do chores,because earning an allowance is nifty.“Save it in your banks,” the children were told,“It’s a very good thing to be thrifty.”

Every time they were given some money, they’d say,“We’ll put it here…and thanks!”Soon the children’s coins and paper money billsstarted to grow in their banks.7

When Luke wanted a new video game controllerthat cost more than his savings at home,Dad said, “Ok, I’ll give you money to pay back later.This is called a loan.”8

When Luke saved enough to pay back the money,Dad asked for a little more.“Money that’s loaned earns something called‘interest,’ and that’s what the extra is for.”9

When their piggy and doggie banks were full,Luke and Linda had saved large amounts.So Dad and Mom took them to the neighborhoodbank where the children opened savings accounts.10

Banker Bob and Banker Barb were happy to seetwo children who know that it’s smart to savemoney very carefully.Banker Barb told them, “One thing to rememberthat’s kind of simple and funny: Always save morethan you spend and you’ll never run out of money.”11

“It works like this,” said Banker Bob, “Many peoplejoin together to give us their money to safely storeand use.12Then we loan that money to many more people topay for special things that they choose.”

“When they give the loan money back, a little at atime, they pay some extra ‘interest,’ too, which theyknow is fair and fine. All of the people who savetheir money with us, like you and many neighbors,earn a small part of the interest others pay to enjoyour bank-loan favors.”13

“Your savings account money helps our bankmake a loan so Jenny’s family can buy a new car.14

And some of it lets Grandma and Grandpa Robertstake a vacation cruise ship quite far.”15

“The house for the Garcias is being built with ahome-loan from our bank.16

And to serve the community with a new restaurant,Burger World has your savings to thank.”17

Banker Barb said that when it’s college time,families need extra money as a rule.So there are even special student loans to help kidscontinue school.18

When the bicycle store orders more bikes to sell andputs them on display,a bank loan lets the store pay later, but you get yournew bike today.19

When the Widget Company needed a new, biggerfactory, owner Jim talked with Banker Bob.20

The result was a chance for more good neighborsto find an exciting, well-paying job. 21

Every spring farmer Grady needs extra money to buyseeds to plant on his land.22

Then in fall he has corn and pumpkins to sell thanksto his bank’s helping hand.23

Bank people, called “tellers,” keep track of ourmoney with computers and high-tech machines.When we’re away on a trip we use an ATM to do ourbanking. “Automatic teller” is what that means.24

To make it faster and easier for banking sometimes,Mom and Dad take the car to the drive-thru tellerlines.25

There are banks in big cities in buildings quite tall.And there are little banks in tiny buildings insuburbs and towns quite small.26

Banks follow rules to keep money safe and ready.Even the President and a special governmentdepartment are there to keep things steady.28

So, the idea that starts with Linda’s doggie bankand Luke’s happy little pigis really the same way banks help us save--the only difference, they’re big.29

Think just how much banks do for us so we canenjoy every day.30

It’s the system that makes our money work hard. It’sthe great all-American way.31

Luke and Linda learn about the fun and importance of saving money, first with their toybanks and later with their own bank accounts. Banker Bob and Banker Barb tell themhow people save money with banks which, in turn, use those dollars to make loans tohelp people and businesses. With rhyming verse-text, the book reminds children of “onething that’s kind of simple and funny: Always save more than you spend and you’ll neverrun out of money.”The publishers of this book gratefullyacknowledge the following organizationfor underwriting support of its creationand distribution:Doing right for nearly 150 years.unionbank.comPrinted in USAAbout the AuthorsJohn Tuzee is an award-winning advertisingwriter and former newspaperman who hasalso written and produced network televisionentertainment specials. His wife and coauthor,Diane, is a retired elementary schoolteacher. They live on California’s centralcoast in the village of Shell Beach, and have10 grandchildren with whom they test-readtheir books. This is their fifth children’s book,following “Puffy The Cloud That Couldn’tRain,” “Charlie Canoe And Other Boats Too,”“Gretchen & Gary Grape Learn What A GrapeCan Be” and “Let’s Do Sports.”Tuzee/ Kasun What A Bank Can Dowww.kidslifepress.comAbout the IllustratorThis is the fourth children’s book from KidsLife Press illustrated by Mike Kasun, a nationallyrecognized commercial artist wholives with his wife, Debbie, in Elkhorn, Wisconsin.They have 3 children plus, recently, alittle girl who is their first grandchild!KIDS LIFE PRESS