Andover High School in Massachusetts recently welcomed Amy LaMoche to speak to three classes of high-school math students. LaMoche, who is the branch supervisor and business development officer for the Reading Cooperative Bank, explained the differences between credit and debit cards, the consequences of bad credit and offered some advice. "The message I try to put across is opening a checking account while you're still in high school, maybe junior or senior year. Figure out how to use it while under your parents' roof, and form good habits," LaMoche said.