Money Moves: Modern Banking & Identity Protection®

This digital course addresses online and mobile banking, person-to-person payments, and identity protection. Money Moves: Modern Banking & Identity Protection® was designed to help students develop the knowledge and problem-solving skills needed to protect their future selves and keep their money secure.


The Need for More Financial Education in the U.S.

When basic personal finance principles aren't understood, it can lead to poor decisions about money, and people can become victims of abusive financial practices.

Today’s high school students have unparalleled freedom and risk through their digital access - from social media to banking. Students must know how they can be their own detectives and protect their finances in this complex digital world – including how to use person-to-person payment apps responsibly, how to identify and avoid potential scams, and ways to safeguard their identities online.


of Americans are considered financially illiterate.1

The Learning Experience

Research shows that financial literacy is best taught and retained through problem solving and experiential activities. During the course creation process, teachers and students were consulted on content, design and interactivity to ensure the learning experience would fully resonate with high school students. Students expressed wanting to have characters from diverse backgrounds and to see and hear stories that they could identify with, which are all reflected in the course.


This course is easy to access for teachers and students – it’s all online, and there’s nothing to download!



Introductory Financial Concepts


Modern Digital Banking


Identity Theft & Fraud Prevention


Peer-to-Peer Transactions

Core Features

Recommended Grade Level: 9-12

Total Time: 60-75 minutes

Cost: There is no cost to educators. Zelle® and their partners sponsor this course to enable students across the country to gain access to this critical information about modern banking and identity protection.

Standards Alignment: Jump$tart Standards, State-Based Financial Literacy Standards

Additional Resources: Teacher dashboard with lesson plans, discussion guides, and other supporting materials

About Us

Zelle® and EVERFI partnered on this program to address an acute need for more modern financial education, especially through the lens of digital banking safety.


Zelle® is a free2 way to quickly send and receive money with friends, family, and others you trust. Hundreds of banks and credit unions of all sizes across the U.S. offer Zelle® in their banking apps or online banking. Zelle® is committed to modern financial education and empowering students with practical financial knowledge - so they can live their lives, achieve their dreams, and drive positive change in their communities.


EVERFI, an international technology company driving social change through education, offers critical, digital lessons that equip students with the real-world skills they need for success - now and in the future. Three out of five U.S. school districts use EVERFI’s digital resources to teach topics ranging from early literacy to social-emotional learning and financial education.

1 Global Financial Literacy Excellence Center.
2 Most Zelle® transactions to friends and family do not incur a transaction fee. Check with your financial institution to determine any fees.