1. I-inshurensi ye-FDIC ibalulekile
Ngaphambi kokuqwalasela ibhanki, khangela ukuba i-FDIC-insured.
Oku kuya kukhusela imali yakho ukuya kwii-250,000 zamaRandi. Ukuba ibhanki ihamba phantsi, urhulumente uya kuqinisekisa ukuba uyabuya imali yakho. I-mattress yakho ayikwazi ukuthetha okufanayo.
2. Gwema iMali, iMali, iMirhumo
Nangona ukujonga iakhawunti kunika ukhuseleko olungcono kunamathebhu akho, kusasa kufuneka uzilondoloze kwiimali zebhanki.
Iibhanki kunye neemanyano zemboleko ngokuqhelekileyo zisebenza kwimichilo ehlawuliswayo yabathengi: iirhafu ze-overdraft, iimali zokukhutshwa kwe-overdraft, iindleko zokugcinwa kwenyanga, ii-ATM, imali yokugcina idiphozi yokuvula, iindleko ze-balance balance.
Ngenhlanhla, ezinye iingxelo zibhetele kunezinye.
Ibhanki yaseMerika ihlawulisa abathengi be-Akhawunti ye-Akhawunti ye-Akhawunti ye-Akhawunti ye-Akhawunti ye-Akhawunti ye-Akhawunti ye-Akhawunti ye-Akhawunti ye-akhawunti eyi-35. Bhalisa ekukhuselweni kwe-overdraft kwaye i-BofA izakuhlawula i-$ 10 ukuhambisa imali kwi-savings ukujonga.
- U-AllyBank uhlawulisa i-$ 9 kwisiganeko sokugqithisa imali ngaphezulu kwesinye ngosuku. Ukukhuselwa kwe-Overdraft ku-100% mahhala.
- Ukuhlawula iibhanki kwi-$ 2 xa abathengi bayo basebenzisa ii-ATM zeBhanki ezingabikho. Oku kungaphezulu kwentlawulo ye-ATM yesigxina ingahlawula.
- Ibhanki ye-intanethi yaseU.SA, uCharles Schwab, u-Ally no-Fidelity ayihlawulisi imali ye-ATM kunye nokuhlawula imali ehlawulwe ngamanye amabhanki.
Yenza njalo ukunyamekela kwakho ngaphambi kokuba ungene kwi-bhanki.
Wena nemali yakho ufanelwe ukuphathwa kakuhle.
3. Funda Iprint Print
Ngubani ofunda ukuphrinta okulungileyo? Iimali ezikhulu nje zetekisi kwiphepha oluqhosha phambi kokuchofoza "Ndiyavuma" kwaye ndihamba ngaphandle kokucinga.
Kodwa xa kuziwa ekubhaleni amaxwebhu aphathelene nemali yakho, kufuneka uthathe ixesha ukujonga ukushicilelwa okulungileyo. Ubuncinane ubuyekeze uluhlu lweendlela zakho zebhanki ezinokukuhlawula ngayo imali kunye nendlela yokuzikhusela.
4. Qaphela iiMiboniso zeBhonasi kunye neNkcazo zeMali
Ulwalamano lwebhanki lufana nobuhlobo bomtshato. Ibhanki ikukhathalela ngezipho kunye nezithembiso zobudlelwane obuhlala. Emva konyaka okanye izipho ziphela kwaye zombini amaqela ayayeka ukuxabana.
Indlela efanelekileyo yebhanki iya kuba yisoloko ihlala kwisigaba se-honeymoon, kodwa abaninzi abantu abafuni ukuhlangabezana nokuvula i-akhawunti entsha rhoqo ngonyaka okanye ezimbini.
Ukuba uya kukhetha ulwalamano lwebhanki olulodwa, fumana enye ebuyisela iifizi ze-ATM, unikezela ukukhuselwa kwe-freedraft yamahhala kwaye ayihlawulisi iindleko zenyanga. Musa ukuhamba kunye ne-bonus bonusest offer, ngokuba oko kuya kukumisela i-heartache.
Isilumkiso esifanayo senza amazinga amanqanaba aphezulu ekutshekeni iakhawunti. I-akhawunti yakho yokujonga ayikho apho kufuneka ubeke imali.
Ukuba uba lixhoba lokukhwabanisa kwekhadi lokukhwabanisa , kulula ukuba umntu akhuphe iakhawunti yakho. Ngaphezulu, ukujonga i-akhawunti ayifumaneki ngokukhawuleza ixabiso lentengo eyenziwa yi-akhawunti yokulondoloza. Musa ukuchitha ixesha lakho uzama ukungena kwiindawo ze-hoops uze ufumane umdla kwi-akhawunti yakho yokujonga. Gcina nje uninzi lwemali yakho kwi-akhawunti ye-1.00% okanye ngaphezulu.
5. Cinga ngeeDisposithi ezilula
Uninzi lweebhanki kunye neemanyano zeentengo zemali ngoku kunika amandla okusebenzisa idiphozithi yeselula . Ungasindisa ixesha (kunye nemali yegesi) usebenzisa i-smartphone ukukhanda umfanekiso wesheke sakho kwaye uyifake kwi-akhawunti yakho yokujonga.
Nokuba uthanda ukuhla ebhankini yakho kwaye uxoxe nabaxeli, kusengqiqweni ukukhangela i-akhawunti yokukhangela nge-deposit option.
Iibhanki ze-intanethi kuphela zinika iikhontrakthi ezikhuphisanayo kwiimarike zokujonga i-akhawunti ngokuphelisa ezininzi iimirhumo zemveli zebrick kunye ne-mortar.
Nangona kunjalo, abantu abasebenzisana ngokukodwa ngemali baya kusasa iibhanki ngokwenyama kufuphi ukuze benze idizithi. Inkunzi ye-One 360 inika iikhompyutheni zemali xa ukhetha i-Capital One ATM, kodwa ininzi yeebhanki ze-intanethi ayifumkeli imali.
Isixwayiso Ngokusebenzisa Amakhadi Okudada
Kwiingcamango, amakhadi e-debit aphezulu. Badibanisa ngqo kwi-akhawunti yokukhawuleza ukuze ngoko nangoko unokubona ukuba imali esele ihlala kwi-akhawunti yakho. Enyanisweni, amakhadi okukhwabanisa yindlela epheleleyo yokuwa nexhoba lobuqhetseba nokulahlekelwa ngamakhulu ukuya kumawaka eedola.
Ulahlekelwa yimali yangempela xa isela lifumene ulwazi lwekhadi lakho lokubambisa. Ihoxiswa ngokukhawuleza kwiakhawunti yakho yokujonga, ngokungafani neendleko zobuqhetseba kwikhadi lakho lekhredithi.
Isela alifuni nokuba nekhadi lakho lomzimba ukwenza oku. Izakhono kunye neekhamera zingafakwa kwi-ATM, iipompo zepetroli, izitolo zokutya kunye neevenkile zokufumana ulwazi lwakho kunye ne- PIN .
Ngaphantsi komthetho we-Federal, unokuhlawulwa ngenye yelahleko kuxhomekeke xa uthe ulwaphulo-mthetho. Ngaphambi kokuba iintlawulo ezingagunyaziwe zenziwe (mhlawumbi kuphela imeko ukuba i-wallet yakho ibiwe), akukho mfanelo. Ingxelo phakathi kweentsuku ezimbini zeentsuku zeentlawulo zobuqhetseba kwaye ungaba kwi-hook yokungabi ngaphezu kwama-$ 50. Ngaphezulu kweentsuku ezimbini zoshishino, kodwa zingaphantsi kweentsuku ezingama-60 zekhalenda isitatimende sebhanki kwaye usenokulahlekelwa yi-$ 500. Iintsuku ezingama-60 zekhalenda kwaye ungeke ufumane imali.
Ngokuqhelekileyo, ibhanki okanye inyunyana yekhredithi izakukunika ikhredithi ukufihla imali elahlekileyo ngelixa ivula uphando kumbango wakho wokukhwabanisa ikhadi. Kunokwenzeka ukuba uya kufumaneka uxanduva kwaye uhlawule imali ebhanki. Ngoko uqonde umgaqo-mboleko webhanki ye-debit card ngaphambi kokuvula i-akhawunti yokujonga.
Indlela elula yokuphepha ukukhwabanisa kwekhadi lokukhwabanisa kukusebenzisa ikhadi lekhredithi yonke imisebenzi ngaphandle kokurhoxisa imali. Yaye xa ususa imali, sebenzisa i-ATM yasebhanki kwisebe lasebhanki lomzimba - nokuba uya kuhlawulisa umrhumo-kwaye ubeke isandla sakho xa uthayipha kwinombolo yepini. Izakhono eziphantsi kakhulu kwii-ATM zebhanki kunye nekhamera yekhuseli yezokukhusela kunokukunceda ukuba ungaboni ikhadi lakho kumntu ukurhoxisa imali uze ufune ukukhwabanisa.
Iikhampani zamakhadi zekhredithi zinika ukhuselo olungakumbi lokukhwabanisa kwaye zibona ngokukhawuleza. Kufuneka uhlale uqinisekisa ukuba unomthwalo onyanzelekileyo wokukhwabanisa kwikhadi lakho lekhredithi.
Musa ukungena ngaphandle kokuPhando
Ingaba ufuna ukunika ibhizinisi lakho kwiibhanki ezinkulu zelizwe, ibhanki yoluntu, i-credit union kunye ne-intanethi kuphela-yenza uphando lwakho kuqala. Nje iiyure ezimbalwa (okanye enye) esichitha ukwenza uphando zingakusindisa ikhulu leeedola phantsi kwendlela.