I-Check Check That Should Not Bounce
Ezinye iingcaciso: Iprojekthi yebhanki yegama ibhekiswe kwezinye iimeko, kwaye isebenzise ivela kwilizwe elizweni.
Ngokomzekelo, iintlawulo zeerhafu zekhompyutha ezihambisa imali ngqo kwi -akhawunti yebhanki kumnikezeli wesevisi (njengomboneleli wombane okanye umthengisi we-intanethi) nazo zibizwa ngokuba yimifanekiso. Skrolela phantsi ukuze uxoxe ngalelo hlobo loyilo.
Iibhanki eziSiseko zeBhanki
Isakhiwo esilunxwemeni sebhanki sisixhobo esincedo xa ukhuseleko luphambili.
Iimali ezinkulu: Ukuthengiswa kwemali ephezulu, imiphumo yokutshekisha okanye yokukhangela isheke. Kusemngciphekweni ukuthumela iimpahla ezibizayo okanye ukuzalisa isivumelwano xa kukho nayiphi na into engaqinisekanga malunga nokuhlawulwa. I-bhanki yebhanki yindlela eqinisekisiweyo yentlawulo eyenza ukuba inkokhelo ikwazi ukuphumelela kwaye ifanelekile.
Iimali ezifumanekayo: Ukuhlolwa okuqhelekileyo kuthatha iintsuku ezili-10 zoshishino ukuhamba kwinkqubo yebhanki. Ukufumana isheke akuthethi ukuba uya kufumana imali okanye ukuba unako ukurhoxisa imali ngokukhawuleza.
Iimpawu zeBhanki zifumaneka kwi-akhawunti yommkeli kwimihla yoshishino olunye, kwaye akunakwenzeka ukuba ibhanki iya kuguqula idiphozithi iintsuku ezimbalwa okanye iveki kamva.
Ngenxa yoko, iiprojekthi zebhanki zithandwa ngezinto ezifana nokuhweba ngamazwe ngamazwe okanye ukuthenga ikhaya.
Ngamanye amaxesha igama elithi " iteksi yoshicilelo " lisetyenziselwa endaweni yebhanki, ngakumbi eMelika. Isheke se-casher sifana nesilwe-bhanki: Isheke eliprintwe kwaye liqinisekiswe yibhanki-emva kokuba ibhanki ithola imali kwi- drawer (umntu ofuna ukuhlawula).
Amabhanki anokuqinisekisa iiprojekthi zebhanki kuba umthengi sele "uhlawule."
Thelekisa kwiiKhekhi eziMgangatho
Ukuqonda iimpawu zedrafti yebhanki, kunceda ukuthelekisa nokwahlukana kunye nokuhlolwa kwamanye.
Xa umntu okanye ibhizinesi ebhala isheke, abayidingi imali ekhoyo kwi-akhawunti yabo-banokubhala isheke kuyo nayiphi na imali abayifunayo, kwaye ummkeli akanakuqiniseka ukuba iteksi iya kubetha okanye ayikho. Ewe, kukho imiphumo yokudlula ukuhlola okungalunganga , kodwa ukuhlola kuthatha lonke ixesha. Ngamanye amaxesha impazamo ethembekileyo, kwaye akukho mntu uzama ukunyenga mntu-kulula ukulibala malunga nezinye izinto ezithengisa i-akhawunti.
Ngesicwangciso-mali sebhanki, iimali zihanjiswa kwiakhawunti ye-payer kwiibhanki zebhanki ngokukhawuleza xa ibhanki ibhala iqulunqo. Ngamanye amagama, umntu okanye inhlangano ehlawula nge-bhanki yebhanki ayinakufumana i-bhanki yebhanki ngaphandle kokuba inemali efunekayo. Akukho ndlela yokuba bachithe loo mali ngaphambi kokuba ubeke i-bhanki yebhanki-kuba i-bhanki sele isuse imali kwiakhawunti yabo.
Esikhundleni sokuthembela kuwo wonke umntu obhala isheke, unokuxhomekeka kwibhankini ukubuyisela intlawulo. Kwaye iibhanki zinokuthi zinempahla ebalulekileyo kunye neenkqubo eziqinileyo ezikhoyo ukwenzela ukuba wenze ikhonkco.
Ukuba ibhanki iphuma kwishishini, awuyi kuhlawulwa, kodwa loo mngcipheko uncinci .
Ngaba iBhanki yeeNkcazo ziKhuselekile?
Ukuba umntu uhlawula nge-bhanki yebhanki, awukwazi ukuhlala ucinga ukuba uya kufumana imali. Iziqhelo zisoloko zisebenzisa ukuhlola i-coashier fake ukuze ixhaphaze amaxhoba.
Unokukholwa ukuba uhlawulelwa ngemali echanekileyo, kodwa kufuneka uhlale uhlola ibhanki yakho kwaye uqinisekise ukuba isheke livumelekile ngaphambi kokuba uchithe imali okanye uthengise into ebalulekileyo. Unokwenza isinyathelo esithile kwaye uqinisekise imali ngebhanki ekhuphayo ngaphambi kokunikezela ngokuthengisa okanye ukubeka ibhanki ebhaliweyo.
Qaphela ngokugqithiseleyo nabani na abagqithiseleyo baze bakucele ukuba uthumele imali-leyo yimboli enkulu ebomvu ebonisa ukuba usebenzisa isela.
- Ukufumana iinkcukacha ezingaphezulu kunye nemizekelo, jonga ukuba iCasher Check Check Trash .
- Fumana ixesha elide lokulinda emva kokususa i-Check phambi kokuba uchithe imali.
Ukufakela okanye ukheshi imali yebhanki , uyiphathe njengayiphi na isheke. Thatha kwi-bhanki yakho okanye umanyano weentengo zemboleko uze uvume ukubuyela koxwebhu . Ibhanki yakho iya kuthenga imali kwiakhawunti yakho ngokukhawuleza ukuba wenza idiphozithi yakho kumqeshwa webhanki, ngokuchasene nokusebenzisa i-ATM okanye isistim ephathekayo ukuba ubeke . Ngaphezu koko, unokukwazi ukufumana ngaphezulu (okanye yonke into) yemali ngokukhawuleza.
Indlela yokufumana iBhanki eYilwayo
Ukuze ufumane ibhanki yebhanki, cela ibhanki yakho okanye inyunyana yekhredithi enye. EUnited States uza kufumana "itekisi yesikheji," kodwa amanye amazwe asebenzisa igama elithi "ibhanki yebhanki". Unokungena kwiofisi kwaye ufumane enye ukusuka kumtshi, kwaye unokukwazi ukucela iifranethi kwi-intanethi. Amathuba akho asemgangathweni xa ungena kwibhankini okwangoku unayo i-akhawunti: Amaziko amaninzi anikezela le nkonzo kubathengi.
Ngaphandle kunye na? Ukuba ungekho ekhaya okanye ungenayo i- akhawunti yasebhanki , unokuhlala uzama ukuhamba kwelinye isebe lasebhanki uze ucele. Uya kufuneka uhlawule imali epheleleyo yesheke (kunye neentlawulo) ngekheshi okanye kwikharithi yebhanki . Ngaphandle koko, unokuzama ukwenza inkokhelo yakho ngemali ye-oda , okufuneka ifumaneke kwiindawo ezininzi zokutya kunye neendawo zokuzonwabisa. Nangona kunjalo, iilawutyala zeemali ayinakuba yindlela efanelekileyo yokuhlawula, ngoko cela ummkeli kuqala.
Amalungu omanyano-mboleko: Ukuba usebenzisa i-credit union, unokukwazi ukufumana isheke esesikweni kwelinye isebe lomanyano weentengo zemali (ngelixa ufikelela kwi-akhawunti yakho ekhayeni lakho lekredithi). Amawaka eenkontileka zeenkontileka zematyala athatha inxaxheba kwi-branching ehlangene . Qinisekisa ukuzisa i-ID kunye nawe, kwaye ulindele ukuhlawula imali encinci (ngokuphindaphindiweyo malunga needola ezili-10).
Iintlawulo ezizenzekelayo
Iprogram yebhanki yebhanki ingabhekisela kwiintlawulo zekhompyutha ezizenzekelayo. Ezi ntlawulo zivumela amashishini nababoneleli ngeenkonzo ukuba bathumele imali ngqo ngaphandle kwamakhasimende ukujonga i-akhawunti. Esikhundleni sokubhalwa isheke okanye ukuhlawula ngamakhadi edoti kunye nekhredithi, abathengi banikezela ngolwazi lwe-akhawunti yebhanki (i- akhawunti kunye neenkcukacha zokuhamba , ngokukodwa) kwishishini ukuseta iintlawulo zerrafti.
Olu tshintshelo luya kwenzeka ngeNkqubo yokuThuthukiswa kweNdlu yokuCoca (ACH) , kwaye yenza ukuba kube lula ukuba abathengi benze iintlawulo eziphindaphindiweyo (okanye enye yexesha). Abaxhamli bazuza ngenxa yokuba akudingeki babhale iireki okanye bafake ulwazi ngolwazi lwekhadi lesikweletu nganye ngenyanga. Amashishini aphumelela kuba afuneki ukufaka iifowuni, ulinde imali ukuze ucacise, okanye uhlawule iimali zokuhlawula iimali zekhadi.
Amashishini angakwazi ukuqala ukunikela intlawulo ngedrafti yebhanki ngokumisela i-akhawunti yomthengisi okanye ukusebenzisana kunye nenkqubo yokuhlawula eyamkela iintlawulo ze-ACH. Ezi ntlawulo zibiza kakhulu kubahwebi kuneentlawulo zekhadi zekhredithi (nje ngeentente ezimbalwa ngamnye), kwaye zingaphantsi kwamatyala .