Case Study of the Week: The Perks of Student Banking

Oct 27, 2025

Principles of Finance

You are to assume the role of a banker at Capital Bank. A new customer wants to know more about the bank’s student banking account.  

The new customer wants to open a bank account. The customer is under the age of 25, which means they qualify for a student bank account. The student banking account offers the following perks:

  • No monthly fees
  • No minimum balance
  • Overdraw prevention
  • Debit card

All other bank accounts at Capital Bank require a minimum balance or a monthly fee is charged. The other banking accounts do not prevent overdrawing, which can result in overdraft fees.

The customer wants you to explain the student banking perks and why they are offered to customers under the age of 25-years-old.

Questions?

Randi Bibiano
Competitive Events Specialist
randi@deca.org

Randi Bibiano is DECA's competitive events specialist. In this role, she conceptualizes and authors role-play scenarios for the collegiate and high school division’s competitive events programs. She also manages DECA's online competitive events and serves as a liaison to volunteer efforts at DECA's educational conferences.

Discussion Questions

  • 1
  • 2
  • 3
  • 4

Classroom Connection

Career Cluster:

Finance

Instructional Area(s):

Customer Relations

Performance Indicators:

Interpret business policies to customers/clients
Reinforce service orientation through communication
Demonstrate a customer-service mindset
Respond to customer inquiries