Learn2Earn Rewards!
Age 12: Real-World Readiness
Applying Financial Skills and Staying Safe Online
This year’s activities were chosen to match your child’s growing independence and curiosity. Each activity is designed to spark conversation, encourage critical thinking, and give kids a sense of control over their money choices. Through BayCoast Bank’s Learn2Earn Rewards program, kids will apply everything they’ve learned and practice making real-world decisions, including staying safe online
Learn About Money Management
Start your financial literacy adventure by exploring the activities and games below. Don’t forget to take your time and enjoy the process.
Claim Learn2Earn Reward!
When complete, click the “Claim Learn2Earn Rewards!” button below and complete the form. Once verified, BayCoast will make your Learn2Earn Reward deposit into your RightStart Account within about 2 weeks!
What Your Child Will Learn:
Kids learn the basics of how money flows in and out, like earning an allowance or paying for a new toy. This lesson encourages them to think about planning ahead and making smart choices with what they earn.
Tip: : Have your child track their own weekly income and spending for a week. Use this as a chance to talk about budgeting and how to plan for short-term goals.
This lesson breaks down how ransomware works in simple terms and shows how dangerous online traps can lead to real consequences. It reinforces the importance of caution when clicking, downloading, or sharing.
Tip: Talk about examples of spam, scams, or pop-ups they may have seen in games or YouTube ads. Discuss how to pause and ask for help if something feels off.
This activity helps kids build a strong foundation in internet safety. They’ll explore how to protect personal information, recognize red flags, and stay alert in an online world full of scams and ads.
Tip: Go through your own digital safety habits together, like setting strong passwords or identifying suspicious links. Kids will feel more invested when they see these lessons in action.
Kids can walk through this interactive self-check to test how cyber-safe they really are. It turns abstract safety rules into easy-to-understand behaviors they can adopt every day.
Tip: Let your child take the quiz with you and compare answers. Use the results as a fun conversation starter and an opportunity to praise what they’re doing well.
Once all activities are complete, click the button below to submit your form. After verification, BayCoast Bank will deposit your child’s Learn2Earn Reward into their RightStart Account within about 10 business days.
General Tips for Success:
Celebrate Along the Way
Finished an activity? Give a high five, draw a sticker, or snap a photo. Small celebrations go a long way in building confidence and motivation.
Join In and Ask Questions
Kids learn best when you’re part of the process. Sit with them during activities and ask open-ended questions like “What does saving mean to you?”
Make It Relatable
Connect lessons to real life—like using spare change at the store, saving up for a toy, or looking at coins together after grocery shopping.
Keep It Light and Fun
Treat these activities like games, not homework. Your encouragement helps make learning feel exciting.
While we hope you find this content useful, it is only intended to serve as a starting point. Your next step is to speak with a qualified, licensed professional who can provide advice tailored to your individual circumstances. Nothing in this article, nor in any associated resources, should be construed as financial or legal advice. Furthermore, while we have made good faith efforts to ensure that the information presented was correct as of the date the content was prepared, we are unable to guarantee that it remains accurate today.
Neither Banzai nor its sponsoring partners make any warranties or representations as to the accuracy, applicability, completeness, or suitability for any particular purpose of the information contained herein. Banzai and its sponsoring partners expressly disclaim any liability arising from the use or misuse of these materials and, by visiting this site, you agree to release Banzai and its sponsoring partners from any such liability. Do not rely upon the information provided in this content when making decisions regarding financial or legal matters without first consulting with a qualified, licensed professional.
