Ngokusebenzisa iibhanki ezineenkqubo zentsha, abazali banako ukunceda umntwana wabo ukuseka ibhanki kunye nomlando weebhanki ngelixa bephantsi kwephahla labo. Ngaloo ndlela, ukuba kukho naziphi iingxaki, umzali ukhona ukukhokela kunye nokuqondisa umntwana ukuba enze isigqibo sezimali esilungileyo phambi kokulawula iikholeji yokujonga iikholeji ngokwabo.
Abazali banako ukubeka iliso kwi-akhawunti yebhanki kwaye banako ukubeka imida ye-ATM ngelixa bavumela inkululeko yabo ininzi nangaphezulu ukuba benze izigqibo. Ngokuvula i-akhawunti yokutshekisha kwentsha, abazali babeka umntwana wabo endleleni efanelekileyo yemali.
Kukho iibhanki ezimbalwa kunye neeprogram ezizodwa ezijoliswe ngqo kwiibhanki eziselula. Nazi ezimbalwa zazo kunye nenqobo yazo yokulungiselela i-akhawunti:
Wells Fargo
Abaselula abaneminyaka eli-13 ukuya kwe-17 banako ukuvula i-akhawunti yokujonga i-akhawunti xa nje umzali edibanisa i-akhawunti. Le akhawunti iza nekhadi lokudibanisa i-Visa kwaye umzali unako ukubeka imida yemihla ngemihla yokurhoxa kunye nokuchitha. Le akhawunti ifikeleleka ngokufikelela kwi-intanethi kunye nezitatimenti ze-intanethi. Akukho ntlawulo yenyanga yenkonzo kwi-akhawunti.
Ukongezelela, i-Wells Fargo ine-akhawunti yokulondoloza kunye nezinye iimveliso zebhanki ezijoliswe kubaselula. Umbuso ngamnye unemimiselo elawula imveliso yebhanki kwaye le ngcaciso iyafumaneka kwiwebhusayithi yeWestern Fargo.
USAA Teen Ukuhlola
Intsha inokukwazi ukuvula ingxelo yokugcina okanye i-akhawunti yokujonga kwi-USAA kungekho ncinane ibhalansi efunekayo. Intsha ingasebenzisa amakhadi abo e-ATM naphi na kwilizwe, kwaye i-USAA ibuyisela enye imali ye-ATM yebhanki. Kukho iindlela zokukhusela i-overdraft. Abazali batyikitya njengabanikazi abadibeneyo kwi-akhawunti.
IBhanki yaseMelika yaseMantyi
Iziko leManyano yamaMerika eMfundo yezezeMali lijoliswe ngqo kubantwana kwaye lenzelwe ukufundisa abantwana indlela efanelekileyo yokulawula imali yabo, kuquka ukuqala amashishini. Ibhanki yaseMantla yaseMelika ikhona kwiDenver kodwa inelungiselelo lokuphuma kwabahlali belizwe. Bano-akhawunti yokulondoloza, ukujonga i-akhawunti, izatifikethi zediphozi kunye nezinye iimveliso zeebhanki.
Abazali kufuneka bahambe kunye nabantwana abangaphantsi kweminyaka eyi-18. Iingxelo zokulondoloza zifuna i-$ 10 ukuze zivule kwaye zihlawule ixabiso lentengo yekota. Akukho mda wobudala. Iingxelo zokujonga zifuna ubuncinci be-$ 50 ukuze zivule kwaye zingenakho ukuhlawulwa kweenkonzo zenyanga, kodwa zihlawuliswe i-$ 12. Ilishumi elinambini lixesha eliphakanyisiweyo lokuvula i-akhawunti yokukhangela abantwana.
Bank Bank
Nangona i-Bhanki yeNyanzelwana ingabhekiswanga neakhawunti ezinikezelwe abantwana, zikhuthaza abafana abatsha nabaselula ukuba bavule ii-akhawunti zokulondoloza nabazali babo. Ukugcinwa kwe-Kidz kubantwana abaneminyaka eli-8 ukuya ku-12. I-akhawunti yokugcina idinga i-$ 1 ukuvula i-akhawunti. Xa uneminyaka eyi-13, i-akhawunti iguqula kwi-Akhawunti yokuLondoloza i-Teen intsha kwiminyaka eyi-13 ukuya kwe-17.
Xa uneminyaka eyi-18, i-akhawunti iguqula kwi-akhawunti yokugcina imali. Ezi akhawunti zokulondoloza zi-akhawunti ezidibeneyo kunye nomzali kunye nekhadi le-ATM linomda wokumisela owenziweyo ngumzali.
Akukho bhalansi encinci, kwaye akukho ntlawulo yenyanga yenkonzo. I-akhawunti ifikeleleke kwi-intanethi, kwaye akukho mali ye-overdraft xa ifakwe kwi-akhawunti yokulondoloza yomzali.
Amanye amabhanki
Ukongezelela kula mabhanki, ezinye iibhanki ezifana neBhanki yeMelika kunye neChase zinenkqubo zentsha. Abazali bafanele bathethe kwiibhanki zabo malunga nokongeza umntwana wabo kwi-akhawunti yangoku okanye ukuxoxa ngeendlela zebhanki kunye nebhanki yabo yangoku.
Iimanyano zentengo kunye neebhanki zomphakathi zendawo zikhethiweyo ezifanelekileyo zokumisela ukujonga ii-akhawunti zezingane kunye. Ngokufundisa abantwaba ukuphatha imali ngexesha elimncinci, baxhotyiswe ngakumbi ukuba badlule ekubeni ngabantu abadala ngaphandle kokunyanzeliswa kwemali.