Ukuphononongwa koBhanki bokuQala kwi-Intanethi yeSizwe
I-FNBO Direct yinxalenye ye-First National Bank yase-Omaha, eyinkxaso-mali ka-First National of Nebraska, kwisiko lebhanki elineminyaka eyi-160 yembali.
Evuliwe ngasekupheleni kuka-2006, i-FNBO ilandela imodeli efana nezinye iigorantshi zebhanki kwi-intanethi: inzala ephezulu kunye nemali ephantsi.
Izibonelelo zeAkhawunti
I-akhawunti yokuhlola kunye nokulondoloza yiyona nto ibangeleyo kwi-FNBO Direct. Ukusebenzisa le akhawunti, uya kuvula i-akhawunti ngokupheleleyo kwi-Intanethi kwaye uhlawule i-akhawunti ngekhompyutha ( nge-ACH ) kwi-akhawunti yokujonga. Ubuncinane bokuvula i-akhawunti yi-$ 1.
Inkonzo yomthengi iphathwa ngokuthe ngqo kwi-intanethi okanye kwifowuni, kwaye ukuhlaziywa kwabaxumi kubonisa ukuba abaninzi abantu banelisekile ngendlela abaphathwa ngayo.
Ukuhlola iiAkhawunti
Ukukhangela kwamahhala kufumaneka kwi-FNBO ngqo. Akukho mali yeenkonzo zenyanga, kwaye ufumana iinkcukacha ezininzi zeakhawunti, kuquka:
- Inkokhelo yentlawulo ye-inthanethi
- Izaziso ngombhalo okanye i-imeyile ukugcina usesikhathini
- Ikhadi lokukhawulwa kwe-esitolo okanye ukuthengwa kwe-intanethi (kunye nokukhishwa kwemali)
- Iintlawulo ze-P2P zamahhala zisebenzisa i-Popmoney
- Inkonzo yokuhlawula yamahhala
Uya kufumana inzala kwi-akhawunti yakho yokukhangela ibhalansi, leyo ibhonasi enhle.
Ngeli xesha lo kubhala, isantya ngokuqinisekileyo sakhuphisana, ngaphezu kokufumana kwi- Ally Bank okanye kwi- Capital One 360 ngaphandle kokuba ugcine ibhalansi enkulu kwiibhanki. Kwi-balance balance, i-FNBO Direct ingaba yinto efanelekileyo. Nangona kunjalo, ukujonga i-akhawunti kuninzi malunga nokufikelela okulula kunokuba uzuze imali, kwaye mhlawumbi uza kuchitha imali ngokukhawuleza njengoko kungena kuyo.
Ukuba ufuna ukuhlawula isantya sakho, sebenzisa i-akhawunti yokulondoloza.
IiAkhawunti zokuSindisa kunye neeCD
I-FNBO inika ne-akhawunti yokulondoloza inthanethi ehlawula umdla ngaphezu kwekhawunti yokujonga. Kwakhona, akukho mali yokugcinwa kwenyanga, kwaye kulula ukuhambisa imali ngaphakathi nangaphandle kwe-akhawunti. Oku kuthethi, khumbula ukuba i-akhawunti yokulondoloza inomda: ukutshintshwa kwee-akhawunti ezithile kufikelela ezintandathu ukuya kwenyanga ke uceba phambili ukuba uninzi lweendleko eziza.
Ukuze ufumane ngaphezulu, sebenzisa isitifiketi sediphozi (CD). Ezi akhawunti zivalela imali yakho ixesha elithile , njengeenyanga ezintandathu ukuya kwezilishumi elinesibhozo, umzekelo, ngokutshintshiselwa inzala ephezulu. Kodwa ukuthabatha imali yakho kusasa kungakubiza. Izigwebo zokuthoma zokuqala zingaphinde zongezelele ngaphezu kwezinto ozifumene, ngoko uya kuhamba ngokuthe ngaphantsi kokuqala kwakho.
Popmoney Transfer
I-Popmoney yinkonzo yokuhlawula i-P2P equka ne-akhawunti ye-FNBO Direct. Ukuba uhlala uhlawula abahlobo kunye nosapho, unokuqonda ukuba i-"standard" intlawulo yePommoney ikhululekile. Iintlawulo ezongeziweyo zibiza iindleko ezongezelelweyo, kodwa nayiphi na intlawulo ehambelanayo ibiza imali. Nangona kunjalo, oku kusenokuba yisigqibo esikhulu: ezinye iinkonzo ze-P2P, njenge-PayPal kunye neVenmo, nazo zikhululekile kwiintlawulo zomntu.
Isenzo Esihle?
I-FNBO inikeza amaxabiso athile kwixabiso eliphantsi. I-akhawunti yokonga imali elula (okanye ukutshekishwa kwezivuno eziphezulu), akusona sikhethi esibi.
Njengoko oku kubhaliweyo, akucaci ukuba i-FNBO Direct inikeza idizithi yokutshintsha idizithi kude kubathengi. Ukuba ufumana iteksi yeso sihlandlo, leyo yintsikelelo ebalulekileyo yokwenza idiphozi ngokukhawuleza. Oku kuthiwa, iphepha lokuhlola lingaphantsi kakhulu kunokuba laliqhelekileyo, kwaye ungeke ufune le nkonzo (unako ukwenza njalo iifomethi kwibhanki yakho kunye ne-mortar) kwaye uthumele imali kwi-FNBO ngqo kamva).
Eli nqaku lahlaziywa nguJustin Pritchard.