Inombolo ye-ABA, eyaziwayo njengenombolo yokuhamba yasebhanki, ikhowudi yeefayili engama-9 echaza amabhanki e-United States. Ikhowudi inceda ezinye iibhanki zemali zokudlulisela imali kunye nokusukela i-akhawunti kwiintengiselwano ezifana nedizithi ngqo kunye neentlawulo zebhanki ezenzekelayo.
Fumana kwaye Sebenzisa i-ABA Numeri
Unokufumana inombolo ye-akhawunti ye-ABA kwimithombo emininzi. Ukuba unayo i-checkbook ephathekayo, indlela elula kunokuba ibukeke ngaphantsi kwelinye leentshekhi zakho.
Kwiphepha lokuhlola: Inombolo ye-ABA ishicilelwe kuyo yonke isheke. Ngokuqhelekileyo inani leenombolo ezilisithoba elingaphantsi kwekona langokunxele (nangona kungabonakala kwenye indawo kwiitshekitshi ezenziwe ngekhompyutha). Inombolo ye-ABA igxininiswa kumfanekiso ongentla, (jonga enkulu). Inombolo yakho ye-ABA ingafumaneka kwakhona kwidiphozithi yakho kwiindawo ezifanayo.
Xhumana nebhanki yakho: Unokuqhagamshelana nebhanki yakho kwaye ubuze ukuba iyiphi inombolo ye-ABA yokuyisebenzisa. Ezinye iibhanki zinika le ngcaciso kwi-intanethi, nangona ungadinga ukungena ngemvume ukuze ufumane inombolo efanelekileyo. Khangela iwebhusayithi yebhanki yakho kwiifom ze-deposit okanye kwi- Automated Clearing House (ACH).
Sebenzisa inombolo echanekileyo: Ibhanki yakho inokuba neenombolo ezili-ABA, ngoko kubalulekile ukusebenzisa enye kwiakhawunti yakho. Leyo nani inomxholo oyifumanayo ekutshekisheni zakho (okanye lowo abanikezelayo xa ungena kwaye ucele). Amanani e-ABA ahlukahluka ngokuxhomekeka apho uvula khona iakhawunti yakho, kwaye ukudibana kwebhanki kungabangela iikhowudi ezininzi kwibhanki elifanayo.
Xa ungathandabuzeki, cela ibhanki yakho inombolo leyo ukuyisebenzisa. Nangona uyazi inombolo echanekileyo yokuyalela ukuhlola , unokufuna ukusebenzisa inombolo eyahlukileyo yokudluliselwa kwefowuni kunye neentlawulo zesikhokhelo sekhompyutha .
I-ABA Inombolo Yisebenza njani
Ngokona nxalenye, konke okufuneka ukwenze kukukopisha inombolo yakho ye-ABA kwaye uyinikeze kuye nabani na oyicelayo-akudingeki ukuba wazi into eninzi malunga nale manani.
Nangona kunjalo, ukuba unomdla, inamba ye-ABA isebenzisa inkqubo ekhangayo.
Emva kwegama: Inombolo ye-ABA ifana nedilesi exelela bonke abantu ukuba bafumane i-akhawunti yakho. Ngenxa yoko, iinombolo ze-ABA zingabizwa ngokuba zihamba ngeenombolo zokuhamba (RTNs). "I-ABA" isetyenziselwa ukuba i-American Bankers Association (ABA) inike amanani kwiibhanki. I-ABA isungule iinombolo ze-ABA ngo-1910 xa ibhanki nganye ibelwe inombolo yayo ekhethekileyo. Uninzi lwabantu abangaphandle kwamashishini asebhanki babhekisela kubo nje njengeenombolo zokuhamba kwebhanki.
Ukufundwa kwekhompyutheni: Amanani okuhambisa aphrintiwe kwiitsheke usebenzisa i-magnetic ink, evumela uomatshini abakhethekileyo ukuba bafunde ikhowudi ngokulula. Kungakhathaliseki ukuba kusetyenziswe i-ink i-magnetic, iinombolo ziprintwe kumbhalo we-MICR, okwenze kube lula kwiikhomputha ukufunda iifom (xa ubeka isheke ngokufakela ifowuni kunye nefowuni yakho yeselula).
Iinqalo zokuqala ezine ezabekwa kuqala nguState Reserve Routing System kwaye zimele indawo yendawo ebhankini. Ngenxa yokufumana kunye nokudibanisa, le manani kaninzi ayinalo ukulungiswa kwendawo yebhanki namhlanje.
Idijithali yesihlanu neyesithandathu echaza ukuba yiyiphi i-Federal Reserve ibhanki yokudluliselwa kweekhompyutheni kunye nocingo kuya kuhamba.
Inombolo yesixhenxe ichaza ukuba yiyiphi i-Federal Reserve yokuqwalasela i-check center eyayibekwa kuqala kwibhanki.
Inombolo yesibhozo ibonisa ukuba isithili se-Federal Reserve ibhanki ikuphi.
Idijithali yesithoba inika i-checksum. I-checksum ibinzana elihambelanayo lemathematika esebenzisa ii-8 zokugqibela. Ukuba isiphumo sokugqibela asilingani nenombolo yesheke, i-transaction ifakiwe kwaye iphinda iphinde iqhutyelwe ukucwangciswa komsebenzi.
Qaphela: uErin O'Neil wabhala umxholo okhethekileyo kweli nqaku, ngokubhekiselele kwimvelaphi kunye nokusetyenziswa kwimibolo nganye.