Why would my final balance be if i put $650 in the bank for 60 months with an interest rate of 6%

We use 'Simple Interest' here.

Simple Interest = Amount + (Interest Percent of Amount × number of years)

SI = $650 + (6% of $650 × 5) >> there are 5 years in 60 months because 60 ÷ 12 is 5

SI =  $650 + ($39 × 5)
SI =  $650 + $195 = $845

You would have $845 after 60 months (5 years).

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