Ibhanki ye-Intanethi: Indlela yokuQala, Yintoni ongayenza kwi-intanethi
Ibhanki ye-intanethi ikunika amandla okulawula imali yakho kwi-Intanethi - nge-intanethi, usebenzisa ikhompyutha yakho okanye isistim eselula - endaweni yokutyelela isebe lebhanki.
Ngaphandle kokulondoloza uhambo ukuya kwisebe, unokwazi ukujonga izilinganiso zeakhawunti, ukuhambisa imali phakathi kweakhawunti, nokunye okuninzi. Enyanisweni, unako ukufeza ngakumbi kwi-intanethi kunokuba unako kwi-yesebe (kwaye ufumane amazinga angcono). Ungasebenzisa kwakhona iinkonzo zenkampani yesithathu kunye neeprogram kunye nokunye ukunikela.
Kule khasi, siza kujonga indlela yokuqalisa ibhanki kwi-intanethi - unokukwazi ukuqala namhlanje. Siza kugxininisa imisebenzi eqhelekileyo efana nokuhlawula iindleko, ukufaka iifowuni kunye nesiselula sakho, ukufumana inzala kwi-akhawunti yokukhangela yamahhala, ukuboleka imali kunye nokunye.
Indlela yokuBhanka kwi-Intanethi
Ukuba uqala ukuqala, kukho iindlela ezimbini zokubhankana kwi-bhanki:
- Sebenzisa ibhanki yakho ekhoyo.
- Vula i-akhawunti entsha (mhlawumbi ngebhanki kuphela-intanethi).
Sebenzisa iBhanki yakho ekhoyo okanye i-Credit Union
Ukuba sele usenayo i-akhawunti yasebhanki, uhlala apho. Phantse yonke ibhanki okanye inyunyana yekhredithi inikeza iinkonzo ze-intanethi - yinto nje yokuyisebenzisa. Kancinci, yinto efanelekileyo yokubhalisa kwi-app yakho yebhanki okanye kwiwebhsayithi, kwaye kungakufanelekile ukukhangela kwiibhanki eziku-intanethi kuphela.
Bhalisa: Ukuqala ngebhanki kwi-akhawunti yakho ekhoyo, uya kufuneka ubhalisele iinkonzo ze-elektroniki. Kwiimeko ezininzi, leyo yinto nje yokuya kwiwebhsayithi yebhanki, ifuna "iBhanki ye-Intanethi" okanye into efanayo, kwaye ucofa "Bhalisa" xa ubuzwa igama lomsebenzisi nephasiwedi.
Ukuba usebenzisa amadivaysi eselula, unokwenza konke endaweni yaloo ndlela - khuphela kuphela i-app yakho yebhanki kwaye ubhalise igama lomsebenzisi kunye nephasiwedi.
Cela uncedo: Ukuba inkqubo iyadideka kuwe, unganqikazi ukubiza (okanye ukutyelela) ibhanki yakho kwaye ubuze umntu ukuba ahambe nawe kwinkqubo. Bazimisele ukufumana i-intanethi ngenxa yokuba uya kuthatha izicelo zesevisi rhoqo kwaye usebenzise ixesha elide labasebenzi kwixesha elizayo.
Vula ii-Akhawunti ezintsha kwi-Intanethi
Ukuba awunayo i-akhawunti yebhanki naphi na (okanye uya kuzama ibhanki-intanethi kuphela), lixesha lokuvula i-akhawunti. I-akhawunti yasebhanki esebenzayo ngokupheleleyo ikuvumela ukuba ulondoloze ixesha elininzi kunye nemali , kunye neebhanki kwi-intanethi kukunceda usebenzise kangcono ixesha lakho.
Kuphela-intanethi? Okokuqala, sinqume ukuba ufuna ukusebenzisa ibhanki eline-intanethi kuphela (engenawo nawaphi na amagatsha ezitena kunye namadaka). Iibhanki ze-Intanethi kuphela ziyakwazi ukunikela amazinga aphezulu kwi-akhawunti yokulondoloza kunye nokukhangela kwamahhala . Nangona kunjalo, amasebe angokwenyama anika iinkonzo ezibalulekileyo ongeke ukwazi ukuzifumana kwi-bhanki kuphela .
Ukuhlanganiswa kweebhanki: Iindaba ezilungileyo kukuba unako ukufumana ezilungileyo zezona zombini ihlabathi-sebenzisa i-akhawunti kwibhankini yezitena kunye ne-mortar okanye inkontileka yekhredithi kwaye uvule i-akhawunti kwi-bhanki kuphela. Iibhanki ze-Intanethi zihlala zihlala zikhululekile ii-akhawunti (ekucingeni ukuba awuyi kukhangela iirekhi okanye ukukhupha i-akhawunti yakho ) ngoko akufanele ihlawulwe nayiphi na enye into yokugcina enye i-akhawunti.
Ukuvula i-akhawunti ye-Intanethi: Ukuba ufuna ukuqala ibhanki kwi-inthanethi, unokuqala ngokuvula i-akhawunti yakho kwi-intanethi. Uninzi lweebhanki ngoku likuvumela ukuba ugqibezele isicelo sakho ngokuthe ngqo kwi-Intanethi (funda malunga nendlela esebenza ngayo - kulula ).
Ufuna iingcamango malunga nokuvula i-akhawunti? Kungcono ukuphanda nokufumana ibhanki ehlangabezana nezidingo zakho , kodwa kunzima ukungahambi kakuhle nale mabhanki amabini e-intanethi:
- Inkunzi ye-One 360 inika imali yokugcina imali kunye nokujonga i-akhawunti ehlawula inzala ( funda ukuhlaziywa ).
- I-Ally Bank inika imali yokugcina imali, i- akhawunti yemarike yemali , ukutshekisha umdla, kunye nezinye iimveliso ( funda ukuhlaziywa ).
Izinto ozenzayo kwi-intanethi
Xa usenyuka kwaye usebenza, sekuyisikhathi sokuqala ukusebenzisa i-akhawunti yakho.
Ungayigcina ilula xa uthanda kwaye nje ujonge iibhalansi zakho zeakhawunti . Kodwa ukuba ukulungele ngakumbi, ungaqhubela phambili kwimisebenzi ephezulu.
Ukuhlawula iindleko: Enye yezona zinto zinceda kakhulu kwiibhanki kwi-intanethi yintlawulo ye-billing inthanethi. Esikhundleni sokubhala iireki kunye nokuthunyelwa kwiintlawulo, unako ukwenza ibhanki yakho yenza konke oku kuwe - kunye kunye nawe uya kulondoloza imali kwiitampu. Funda indlela yokuhlawula iindleko zakho kwi-intanethi .
Fumana okunye: Ibhanki ye-intanethi yindawo enhle yokonga kwakho. Iintlawulo ezininzi ze-intanethi zihlawula ngaphezu kwee-akhawunti zetena zetena kunye ne-intanethi-kuphela ii-akhawunti ezihlawula amaxabiso angcono (ngokungekho iifizi okanye iibhalansi ze-akhawunti ezincinci). Iibhanki ze-Intanethi zibonelela ngee- akhawunti zeemarike zeemarike kunye neesatifikethi se-deposit (iiCD) ukuba ufuna ukufumana ngaphezulu.
Fumana ihhala (mhlawumbi inomdla): Kuza kunzima ukufumana i-akhawunti yokukhulula i-akhawunti kwiibhanki zetena kunye ne-mortar, kodwa ukukhangela kwamahhala kusemthethweni kwiibhanki ze-intanethi. Enyanisweni, ibhanki ye-intanethi ingakuhlawula inzala kwimali kwi-akhawunti yakho yokukhangela.
I-deposit checks: Ukuba unefowuni yeselula kunye nekhamera, unokuyisebenzisa ngokufanelekileyo ukufaka iirekhodi kwiakhawunti yakho - naliphi ixesha lomini okanye ubusuku. Awudingi ukufumana ixesha lokwenza uhambo kwisebe okanye ulinde i-imeyile ukuhambisa ezo ngxelo kwiibhanki yakho. Funda indlela yokufaka iifowuni kunye nesiselula .
Ngendlela efanayo, ukuba ufumana umvuzo wakho ohlawulwa ngeteksi, kutheni ungabi nayo imali ngokuzenzekelayo ifakwe kwi-akhawunti yakho yasebhanki? Umqeshi wakho uya kufumana imali ngokukhawuleza ukuba ubhalisele idiphozithi ngqo .
Thumela imali: Ufuna ukuhlawula umhlobo wakho ngesabelo sakho sokutya okanye urenti? Kukho iindlela ezimbalwa ezilula zokuthumela imali kumntu ngaphandle kokubhala isheke okanye ukumba utshintsho oluchanekileyo. Uninzi lweebhanki linikezela iinkonzo zokwenza iintlawulo zomntu, ngelixa ezinye iinkonzo (cinga i-PayPal) yenza nje njengephambi lokufikelela kwi-akhawunti yakho yasebhanki.
Bona indlela yokwenza iintlawulo zekhompyutha (ngokuqhelekileyo mahhala).
Hambisa imali: Unokuhambisa imali phakathi kwe-akhawunti yakho yasebhanki. Ukuba ufuna ukudlulisela imali kwi-bhanki enye ukuya kwelinye - okanye ukusukela ekuhloleni ukugcina imali kwibhanki enye - insiza okanye iwebhusayithi yenza kube lula. Ungakwazi ukuthenga iiCD ngamaxabiso ongafuneki ukuba uchithe nayiphi na ixesha kungekudala.
Imbali yophando: Udinga ukwazi ukuba uhlawulele kangakanani into ethile (okanye umrhumo wakho wenyanga)? Le ngcaciso mhlawumbi kwimbali yakho yasebhankini, kwaye unokuyijonga kwi-intanethi. Unako ukukhuphela izitatimende kunye nemifanekiso yokuhlola oye wabhalwa ukuba ufuna iimpepha zantoni na, okanye unokwazi ukuhlaziya ukuthengiswa kwe-akhawunti yakho.
Yiya ngephepha: Unqabile ukuba ufuna iimpapasho zephepha, kwaye loo maphepha akhupha i-clutter kwaye yenza izinto zibe lula kubaziza. Ungaphinde ulondoloze izibonelelo, kuquka iphepha elisetyenziselwa ukuprinta, iki, iplastiki, kunye namafutha asetyenziselwa ukuthumela loo maxwebhu ngenyanga emva kwenyanga. Ukuba unokwenza i-statement (xa ufumana i-mortgage, umzekelo), unokuhlala ushicilela enye okanye ezimbini ozifunayo.
Sebenzisa izixhobo zemali: Kuqikelele ukulandelela imali yakho. Ukuba uyazi apho imali yakho iya khona, uza kwenza izigqibo ezininzi zokuchitha imali kwaye kulula ukufikelela kwiinjongo zakho zemali. Kukho izixhobo ezininzi zenkxaso yesithathu ekuncedeni ukuba ubeke uluhlu lwakho lokuchitha kunye nokwakha ibhajethi (kubandakanywa iMint , phakathi kwabanye), kwaye ibhanki yakho isenokuba sele isakhele izixhobo zolawulo lwezemali. Ukuhamba kwi-intanethi kukuvumela ukukhuphela ukuthengiselana okanye ugunyaze isofthiwe yakho ukufumana ngokuzenzekelayo ulwazi olufunekayo.
Yazi ibhalansi yakho: Ukuba ufuna ukwazi ngokukodwa ukuba unayo kwi-akhawunti yakho - kwaye uninzi kangakanani ukusetyenziswa kwemali - indawo engcono yokufumana loo nkcukacha kwi-intanethi.
Fumana uncedo: Ukuba ufuna uncedo ngemicimbi yenkonzo, zama ukunyamekela ishishini kwi-intanethi. Ngokukodwa ukuba awukho kamsinya, kunokuba kulula ukuthumela izicelo zekhompyutheni kwisevisi yenkonzo yamakhasimende endaweni yokubiza. Izinketho zokuzikhethela nazo ziyafumaneka, kwaye oko kusenokuba kukho okukhethileyo. Unokutshintsha idilesi yakho, ulandele iikopi zokuhlola, uphinde uphathe nezinye izinto eziqhelekileyo ngokwakho.
Ukuboleka imali: Ukongezelela ukufaka i-akhawunti (njengokujonga nokugcina i-akhawunti ), unakho ukuboleka kwi-intanethi. Iibhanki zendabuko zikuvumela ukuba uzalise izicelo, kunye nababolekisi abatsha kwi-intanethi benza imali ebolekileyo ngokupheleleyo - kulula ukufumana imvume, ngokukhawuleza kwaye mhlawumbi ingabizi kangako ukuboleka.
Indlela yokuhlala ikhuselekileyo kwi-intanethi
Ibhanki ye-intanethi yenza ubomi bube lula, kodwa budala amathuba amasela.
Ngethamsanqa, mhlawumbi unokuphepha xa uthatha imali yakho kwi-Intanethi. Iinkcukacha zoKhuseleko kumaziko emali zizinzileyo, kwaye akudingeki ukuba uxhalabele ngamasu asekudala ezifana nokuba ngeposi kunye nokuhlolwa kwee-forged. Enyanisweni, urhulumente waseUnited States ukhuthaza bonke abantu ukuba bafumane uxolo lweNtlalontle (kunye nezinye iintlawulo) nge- deposit ngqo , ngenxalenye yokunciphisa ubuqhetseba.
Olunye ubuqhetseba alukho kolawulo lwakho, kodwa ukuziphatha kwakho kubalulekile - kwaye kulula ukuba uhlale ukhuselekile:
- Izicelo zenkcazelo: Cinga kabini ngaphambi kokuba unikezele ngolwazi lwakho kwi-intanethi. Ibhanki yakho ayikuze iqhagamshelane nawe ngefowuni, i-imeyile, okanye itekisi uze ucele inombolo yakho ye-akhawunti, Inombolo yoKhuseleko lweNtlalo, iphasiwedi, okanye i- PIN (ezo zicelo zihlala zisoloko zikhwabanisa ).
- Isofthiwe yoKhuseleko: Gcina amadivayisi akho ngokutsha (kuquka ukuhlaziywa kohlelo lweenkqubo, i-spyware kunye neenkqubo ze-malware, kunye nokukhuselwa kwe-antivirus), uya kuhlaselwa yingozi enkulu. Gwema ukusebenzisa iikhomputha zangekho, ezingasekelwa ngemali.
- Iindawo zikawonkewonke: Gweba ukusebenzisa amanethiwekhi omntu ukufikelela kwiibhanki zebhanki (kubandakanya iindawo zokuhlala zamahhala kwiivenkile zekhofi, nakwiivenkile zamahotele). Ukuba kunokwenzeka, gcina loo mi sebenzi xa uhlala ekhaya okanye emsebenzini kumnatha womthembayo. Ukuba kufuneka uqhube ishishini ngelixa uphuma kwaye malunga, sebenzisa uxhumano lweedatha yefoni yakho endaweni yoko. Ngokufanayo, iikhomputha zikarhulumente (njengalezo ezifumaneka kwiilayibrari) ayilona khetho olufanelekileyo kwiibhanki ze-intanethi.
Ukuba i-akhawunti yakho ichaphazeleka ngobuqhetseba okanye amaphutha, kukho ithuba elifanelekileyo lokuba uya kukhuselwa (kwii-akhawunti zakho zakho - i-akhawunti yakho yeshishini yinto enye ). Umthetho we-Federal ukhusela abathengi ekudlulisweni okungekho mthethweni, kodwa kufuneka uxelele ibhanki yakho nayiphi na ingxaki ngokukhawuleza ukuze ufumane ukukhuselwa okuphezulu .