Financial Literacy: Our Passion at TS Bank

History of Financial Literacy Efforts

In 2009, TS Bank committed $250,000 toward increasing the financial literacy of our community and started a new division called TS Institute. A K-12 financial literacy program was initially launched in the Treynor School District. Then in 2012, committed to funding a portion of the TS Institute’s $1 million commitment while working alongside the TS Institute to secure the remaining funding from non-profit and private donors in the coming year. The new grant helped support the hiring of additional employees and expand the program in southwest Iowa. The TS Institute staff will serve in a consultative role for each participating school as well as be a resource for students, parents and community members.

“We believe it is part of our responsibility as community bankers to invest in the lives of our community members and arm individuals with the financial facts. The more educated they become, the better decisions they can make about their financial futures. And the earlier they learn it, the better!” - TS Banking Group CEO, Josh Guttau

TS Institute's Mission

To partner with K-12 educators, non-profits and other community organizations and equip them with up-to-date, low-cost resources in economics and finance.

Our goal is to provide a robust, comprehensive financial literacy and economic program that can be replicated in multiple states.

Our Team:

  Kyle Osborne is the Director of Financial Literacy at TS Institute, working in southwest Iowa. He joined the team in September 2012. Kyle is a financial literacy content expert and works closely with area teachers and administrators to provide free resources (curriculum, simulators, after school programming) and consulting services for grades K-12. In addition to working with schools, Kyle also works with area Non-Profit organizations to deliver financial education. Kyle loves meeting new people and really enjoys helping school districts meet the 21st Century standards in their unique way. Kyle holds a Bachelor of Arts degree in Christian Education: Youth Ministry as well as Business Administration: Finance. Kyle lives in Council Bluffs with his wife Michelle and their five children.
  Traci Dresher is the Programs Coordinator at TS Institute in southwest Iowa. Prior to joining the team in January of 2019, Traci worked for the Council Bluffs Community School District in several roles. Most recently as coordinator for the TeamMates Mentoring program. Traci excels in working with people and helping others flourish. She herself is a graduate of the CBCSD and holds a BA in Journalism/Communications from Truman State University. Traci’s husband John is an active community member in SWI, where he works in the insurance and real estate industry. Their son Nolan is pursuing his BS in Civil Engineering at Kansas State University. Go Wildcats! Traci and her husband John reside in Council Bluffs.

 

K-12 Schools

After a decade of listening, learning and executing highly effective financial literacy programs in local schools, TS Institute is proud to provide grade level specific classroom offerings for K-12 classrooms. These programs meet or exceed the Iowa state requirements for financial literacy. If you are an administrator or teacher reach out to us for more details. If you are a bank looking for resources scroll down to our, “Products and Services” section.

ts institue's classroom offeringsTeacher Eesources

View Iowa standards and resourcesView curriculum and online simulators

In-School Banking

Our in-school bank branches are designed to:

  • Introduce the economic concept of saving money at an early age and reinforce this idea throughout the elementary curriculum
  • Demonstrate that saving money should be part of a student’s personal financial plan for their future
  • Increase parental involvement in children’s lives through banking activity
  • Will provide unique learning experiences for participants.

2010 – Treynor Elementary Cardinal Branch – Treynor, Iowa

The Treynor Cardinal Branch at Treynor Elementary in Treynor, Iowa was established as the first capstone experience for students. This in-school bank was the beginning of a five-year pilot project that integrated comprehensive classroom financial literacy programming. The K-12 financial literacy programming was designed to meet Iowa Department of Education 21st Century Financial Literacy standards. Our goal for the classroom and banking capstone was to prepare students for life after high school. Our findings from this pilot has helped to shape financial and economic education in the state of Iowa. We are proud to be a partner of Treynor Schools.

2013 – Rue Elementary Junior Jacket Branch – Council Bluffs, Iowa

The Rue Junior Jacket Branch at Rue Elementary in Council Bluffs, Iowa is the second elementary in-school bank we opened. This branch was modeled after our Treynor branch and is supplemented by our well known classroom programming. In partnership with Council Bluffs Schools, this branch allows students to save in their school without having to open their own bank account creating fewer barriers for the students to begin saving. We are proud to be a partner of Council Bluffs Schools.

2015 – Franklin Elementary Junior Jacket Branch – Council Bluffs, Iowa

The Franklin Junior Jacket Branch at Franklin Elementary in Council Bluffs, Iowa is the third elementary in-school bank we opened. This branch was modeled after our other in-school banks and is supplemented by our well known classroom programming. In partnership with Council Bluffs Schools, this branch allows students to save in their school without having to open their own bank account creating fewer barriers for the students to begin saving. We are proud to be a partner of Council Bluffs Schools.

2017 – College View Little Lynx Branch – Council Bluffs, Iowa

The College View Little Jacket Branch at College View Elementary in Council Bluffs, Iowa is the forth elementary in-school bank we opened. This branch was modeled after our other in-school banks and is supplemented by our well known classroom programming. In partnership with Council Bluffs Schools, this branch allows students to save in their school without having to open their own bank account creating fewer barriers for the students to begin saving. We are proud to be a partner of Council Bluffs Schools and to offer student savings all over the city. 

Community

In any city there are those who have had the privilege of learning and forming habits around sound financial education and behaviors. We know not everyone grew up in a context where money and savings was talked about in a positive light. The goal of our community classes are to educate, equip and send those who attend our classes back into the community with hope that they can faithfully manage their personal finances. If you are a non-profit, government agency or business in the area of a TS Bank, reach out and ask about our community classes.

TS Institute offers a wide range of community classes related to the following topic areas:

  • Class 1: Needs, wants and budgeting 
  • Class 2: Debt, credit, credit scores and credit reports
  • Class 3: Jobs, paychecks and taxes
  • Class 4: Savings, checking and other financial services
  • Class 5: Insurance, risk and future planning
  • Class 6: Identity protection and investing

Financial Coaching

We care about each community member’s individual situations and our coaching team wants to hear your story. Is managing money a struggle, need help with saving habits or information on how credit works? Our team has the resources for you. Talk to one of our financial coaches one-one-one about personal finance, money management, budgeting, setting goals, debt and more. If you or someone you know is needing help or experiencing hardship this season, please take a moment to reach out to us. Also, we have the ability to meet virtually! 

Products and Services

In the spring of 2020, we celebrated 10 years of community impact related to financial education. Starting slow and developing our school and community programs was not an option. In 2010 because of teaching mandates requiring financial literacy to be taught in the classroom our services were in high demand. With many schools and community organizations recovering from the housing market crash of 2008-2009 TS Institute has helped hundreds of teachers and hundreds of adults in our communities find their financial footing. Our easy to use and turnkey classroom programs are welcomed back year after year in our local schools. Our community classes are engaging, practical and action orientated. If you are interested in putting these types of resources to work in your community you will not regret it. Contact us for more into today.

Partnerships

Since inception, TS Institute has partnered with the following organizations: 

Community and School Classes Offered Local, Statewide, Regional or National Financial Literacy Initiatives  In-School Banking
Iowa Western Community College

MICAH House
Council Bluffs Community Schools
Treynor Community Schools
Lewis Central Community Schools
Underwood Community Schools
Atlantic Community Schools
Corning Community Schools
Southwest Iowa Juvenile Detention Center
Stars Program of Council Bluffs, IA
Douglas County Jail – Omaha, NE
Iowa Workforce Development
Boy Scouts of America Mid America Council
Girl Scouts of Greater Iowa
Creighton University – Financial Hope Collaborative
Heartland Family Service
Junior Achievement of the Midlands
Junior Achievement of Central Iowa
Boys and Girls Clubs of the Midlands

Iowa Bankers Association
Community Bankers of Iowa
Iowa Jump$tart Coalition (member)
Iowa Department of Education
Green Hills AEA
Iowa State University
Federal Reserve Bank of Chicago
Federal Reserve Bank of St. Louis
The Money Godmother
Project Financial Literacy
American Bankers Association
Jacobson Institute for Youth Entrepreneurship
America Saves
Iowa Center for Economic Education at Dordt University
TeamMates of Council Bluffs
FDIC

  
University of Nebraska – Omaha

Nebraska Council for Economic Education
Treynor Elementary School
Rue Elementary School
Franklin Elementary School
College View Elementary School


For more information or to talk with someone from our team fill please fill out the below form.