Nazi izizathu ezinhlanu, unokufuna ukuvula i-akhawunti kwibhanki entsha.
Imirhumo yeNkonzo yenyanga
Ukuba uhlawuliswa intlawulo yenyanga yenkonzo, unokufuna ukuqwalasela ukutshintsha ibhanki . Ngaphambi kokuba wenze oku, kufuneka ubize ibhanki yakho ubone ukuba ngaba banikela i-akhawunti ngaphandle kwenkonzo. Unokuba ne-akhawunti eneemfuno ezincinane zokulinganisela ibhalansi kwaye uguqule kwi-akhawunti kunye nemfuno emncinci yemali engancinci ingakwazi ukulondoloza imali. Awukwazi ukufumana ii-oda zemali zamahhala okanye uhambo lwabahambi, kodwa ngaba uyisebenzise ngokwaneleyo ukuba uvumele ukuhlawula intlawulo yenkonzo? Ukongezelela, jonga ukuba ibhanki yakho iya kuhlawula umrhumo ukuba unayo idiphozithi ngqo kwi-akhawunti yakho. Ukuba ngaba kunjalo, unokufuna ukubona ukuba umqeshi wakho uzimisele ukunika idizithi ngqo. Unokuphinde uzimisele ukutshintsha ibhanki ukuze ufanele ukufumana umdla ongezantsi kumboleko okanye imboleko yemoto. Oku kunokwenza ukugcina imali eninzi kwaye kuya kufuneka ukuba ucinge.
Phula i-Overdraft Cycle
Ukuba uye wangena kumjikelezo wezinto ezibuyiselwe okanye ukugqithiswa kwemali, unokufuna ukutshintsha ibhanki ukuze wenze umonakalo uhambe, kodwa oko akuyi kusombulula ingxaki. Kufuneka ube noxanduva oluthe xaxa ngokulandelela yakho imali kunye nokusebenzisa ikhadi lakho lokubambisa. Uya kusadingeka uhlambulule umonakalo kwibhanki yakho yangoku phambi kokuba uvule enye i-akhawunti okanye ubeka ingozi kwi-ChexSystems.
Ngaphambi kokuba wenze ishintsho sifunde indlela yokulinganisela i-checkbook yakho. Kungenzeka ukuba utyalo-mali kwisofthiwe yezimali ukuze ukwazi ukulandelela imali yakho kwaye unamathele kubhajethi yakho yonke inyanga. Amabhanki anokujonga ukuba uqinisekise ukuba i-akhawunti yakho imeme kwelinye ibhanki. Kubalulekile ukuzisa i-akhawunti yakho yangoku kwi-positive ngaphambi kokuba wenze utshintsho.
Inkonzo yomThengi engekho
Ukuba ufuna ukutshintsha ngenxa yeenkonzo zabathengi abampofu, ukuhamba okanye ukungabi nakwaneleyo indawo, ezi zizathu zonke ezifanelekileyo zokutshintsha. Ngokuqhelekileyo kulula ukuvula i-akhawunti yakho entsha, kwaye uqale ukutshintshela iipositi zakho ngqo kunye nokurhoxisa ngokuzenzekelayo kwi-akhawunti yakho entsha. Kuya kunika ixesha lokuyeka yonke imisebenzi kwi-akhawunti yakho endala ngaphambi kokuba uyivale. Njengoko ukhangele ibhanki entsha ucinge ngeengxelo ezinikezelweyo kunye neentlawulo ezidibene nazo, indawo yebhanki kunye ne-ATM kunye nobukhulu bebhanki. Uza kufumana inkonzo engcono kwibhanki encinci. Ukongezelela, iimanyano zeentengo zemboleko zinobuxhasi bamakhasimende kwimigaqo-nkqubo kunye ne-akhawunti. Unokuqhathanisa iakhawunti ezahlukeneyo kunye neentlawulo ze-intanethi. Nangona kunjalo, ukuba unemiba yinkonzo yabathengi kwixesha elidlulileyo, unokufuna ukutyelela iibhanki zakho ezikufutshane ukuba ubone ukuba i-bhanki entsha iya kuba yinto efanelekileyo kuwe.
Ukuthenga i-New Bank
Ukuba ugqiba ukuvula i-akhawunti entsha kufuneka uthenge ngeenxa zonke kwibhanki eya kulungelelanisa iimfuno zakho. Vula i-akhawunti yakho kwibhanki yakho entsha phambi kokuvala i-akhawunti yakho endala. Oku kuthetha ukuba uya kuba neengxelo kwiibhanki ezininzi ngexesha elifutshane, kodwa kuya kwenza kube lula ukudlulisela zonke iintlawulo zakho kwi-akhawunti yakho entsha. Uya kufuneka uqiniseke ukuba utshintshile kuzo zonke iindleko zokutshintshwa kwenyanga, izalathisi ezizenzekelayo kunye neentlawulo ezizenzekelayo. Xa uvala i-akhawunti yakho yasebhanki , kufuneka uyenze ngomntu okanye ngokubhaliweyo. Ingathatha ixesha, kwaye yinto efanelekileyo yokuba zonke iintlawulo zakho kunye neentlawulo zihanjiswe ngaphambi kokuba uvale i-akhawunti. Zibeke ngokwakho inyanga ukuqinisekisa ukuba awuzange ulibale iprogram engqalileyo. Oku kunokukugcina ininzi yentloko ngeentlawulo ezihlawulelwayo.