Gcina ukhumbule ukuba ukuba ukuguqulwa akunakwenzeka, kunokukho ezinye iindlela zokusombulula ingxaki.
ACH
Umbutho weSizwe oZenzekileyo wokuCoca kweNdlu (NACHA) ubeka umyalelo wokuba ukuba kwaye nini na ukuguquka okulula, kwaye kukho iimeko ezintathu kuphela ezifanelekileyo.
- Inani elibi ledoli: ukuba inani elibi lidlulisiwe (umzekelo, i-$ 200 esikhundleni se-$ 150)
- Inombolo ye-akhawunti engalungile: ukuba ukudluliselwa kwenombolo ye-akhawunti engafanelekanga kwaye umthumeli okanye ummkeli wayengelona akhawunti efanelekileyo. Yingakho "iimpazamo zebhanki yakho" zikhulu kakhulu.
- Ukuphindaphinda kwakhona: ukuba udluliselo luhamba ngaphaya kweyodwa, ngokuqinisekileyo kuya kubakho ukuphindaphinda
Kwiimeko ezingasentla, ukuguqulwa kufuneka kwenzeke kwiintsuku ezingama-5, kwaye umnini-akhawunti webhanki ochaphazelekayo kufuneka aziswe ukuba i-akhawunti yakhe ihlawulwe.
Ezi zintathu ziimeko zilinganiselwe, ngoko kuthiwani ukuba ufuna ukwenza ezinye iintlobo zenguqu kwiintlawulo ze-ACH?
Bill Payment
Ukuba uhlawula iibhidi nge-ACH, kunokubakho amaxesha apho ufuna ukulungelelanisa, ukutshintsha, okanye ukulibazisa intlawulo eya kuhamba ngayo.
Kuloo matyala, qhagamshelana nabani na oqalisa ukuhlawula:
- Umgcini wakho, (njengenkampani yakho yokusebenza) ukuba imali ilandelwa ngokuzenzekelayo kwi-akhawunti yakho ngenyanga
- Ibhankini yakho, ukuba intlawulo yafakwa kwi-bhanki yakho ye- intanethi yokuhlawula imali
Qinisekisa ukuba ucele nayiphi na utshintsho ngokukhawuleza.
Kungathatha usuku okanye ezimbini ukuba imiyalelo yakho ihlaziyeke, nangona kufanele ukwazi ukukhansela ezininzi iintlawulo kwiiyure ezingama-24 ngaphambi kokuba zicwangciswe. Ukuba awuqinisekanga ukuba i-biller yakho iya kuhlonipha isicelo sakho (njengokuba kunjalo nakwezinye iibhanki ezikhohlisileyo), unokucela ukuba ibhanki yakho incede.
Ukuyeka i-ACH Intlawulo
Ukuba uke wagunyazisa iintlawulo ze-ACH kwaye awukwazi ukuhlawula iintlawulo nayiphi na enye indlela, kunokwenzeka ukuba unako ukuyeka intlawulo njengokuba uza kukhangela isheke. Ukukhusela ibhanki yakho ukuvumela imali ukuba ihambe i-akhawunti yakho, yazise ibhanki yakho ubuncinane iintsuku ezintathu ngaphambi kokuba uhlawulelwe. Lindela ukuhlawula imali ephantsi, kwaye uqaphele ukuba iintlawulo zexesha elizayo zisenokuthi zitshintshe iakhawunti yakho. Ukuba ingxaki iyaqhubeka, unokufuna ukutshintsha kwi-akhawunti entsha yebhanki.
Ubuqhetseba kunye neziPhene
Abathengi ( kodwa kungekho amashishini ) ngokubanzi bakhuselwe kwiiphoso kunye nokutshintshwa kobuqhetseba ngekhompyutha phantsi komthetho we-federal . Nangona kunjalo, kuxhomekeka kwiimeko apho ungadinga ukuba wenze ngokukhawuleza ukukhuselwa ngokupheleleyo (izinto zingakhohlisa xa usebenzise inkonzo yentlawulo ye-intanethi okanye i-app , umzekelo). Yazisa ibhanki yakho ngokukhawuleza emva kokufumanisa ukuba into ephosakeleyo - kwiintsuku ezimbini ezifanelekileyo.
Ukuba ulinde ngaphezulu kweentsuku ezingama-60 emva kokuba ibhanki yakho ivelise inkcazo, unokuba noxanduva lweyiphina ilahleko-endaweni yokuba inkokhelo iguqulwe, kufuneka ufumane imali ngezinye iindlela.
Amashishini kufuneka athatyathelwe ngokukhethekileyo malunga ne-ACH idluliselwa kuma-akhawunti kuba imithetho yokhuseleko lwabathengi i-akhawunti ayifihla i-akhawunti zoshishino. Ukukhusela iingxaki, cela ibhanki yakho malunga nezisombululo ezivimba ukutshintshwa okungagunyaziswanga (njenge-ACH Block kunye ne-ACH Filter services).
IiNgcaciso zeDistoli ngqo
Ukuba ufumana inkokhelo ngqo ngqo ngenyanga kwaye udinga ukuhlawula ukuba ungene kwenye i-akhawunti, qhagamshelana nenkampani eqala idiphozithi ngokukhawuleza. Banike iinkcukacha zakho zebhanki entsha, kubandakanywa nenombolo yokuhamba yasebhanki, kwaye ubacele ukuba basuse ulwazi lwakho lwe-akhawunti endala. Utshintsho lwebhanki lwalo hlobo lunokuthabatha ukusuka kwiiveki ezimbini ukuya kwinyanga ukugqiba ngokupheleleyo, ngoko qiniseka ukuba ungavali naziphi na i-akhawunti kude kube yinkqubo igqityiwe.
Ukuze uthole imiyalelo eninzi, jonga indlela onokutshintsha ngayo amabhanki .
Utshintsho lweMidiya
Utshintsho lwe-Wire luhluke kwiintlawulo ze- ACH , yaye ngokubanzi abanako ukuguqulwa. Utshintsho lwe-Wire lwenzeka kancinci okanye ngaphantsi kwangoko, kunye neemali ezishiya i-akhawunti yakho kwaye zifika kwindawo eya kuyo ngosuku olufanayo. Zihlala zifumaneka ukurhoxa ngokukhawuleza, okwenza kube nzima ukufumana imali.
Qaphela: eli nqaku liye lahlaziywa ukusuka kwintlandlolo nguYustin Pritchard.