Kodwa yintoni enye indlela engcono yokufaka imali, kwaye ziziphi iindlela ozikhethayo xa usebenzisa i-akhawunti yebhanki ye-intanethi?
Thatha kwiBhanki
Ukuba unayo i-akhawunti kwi-brick-and-mortar bank okanye inkontileka yemali, thatha imali yakho kwisebe uze wenze idiphozithi.
Uza kuqala ukufumana umdla ngokukhawuleza, kwaye akufanele uhlawule nayiphi na iirhafu zokwenza idiphozithi . Xa usenza idiphozithi kumntu (nge-teller), imali kufuneka ifumaneke ngaphezulu okanye ngaphantsi kwangoko , ngoko uya kuba nako ukuhlawula iibhili , ukutshintshe imali ngaphandle, okanye ukuthenga ngekhadi lakho lokubambisa.
Iintlawulo zemanyano yemboleko: sinethemba lokuba unamagatsha amaninzi kufuphi. Ukuba ubhanki kwi-syndicate yematyala inxalenye yenkqubo yenethiwekhi yokubambisana, ungayifaka imali kwiyunithi yesebe ( kungekhona nje kwimanyano yamatyala asekhaya ). Oku kungenza ubomi bube lula xa uhamba okanye usuqukile ukusuka ekuvuleni i-akhawunti.
Iimpahla zeATM
Ngamhla, unokufaka imali kwi-ATM ngezinga elithembekileyo lokuzithemba (oko kuthetha ukuba akukho neeyure zebhanki). Iifomethi ze-ATM zivame ukusebenza ngokufanelekileyo, kodwa kukho umngcipheko omkhulu kwi-ATM kunokuba kukho umxeleli. Naluphi na ukuhluleka komatshini okanye ukuthungatha inethiwekhi kunokubangela iingxaki-kwaye kunokuthi iintsuku eziliqela ngaphambi kokuba umcimbi uphendululwe.
Indlela yokwenza i-ATM idibanise: inkqubo yokufaka imali kwi-ATM iyahluka ukusuka kwibhanki ukuya kwi-bhanki. Ungadinga ukusebenzisa ikhadi lakho lokubambisa kunye ne-PIN ukufikelela kwi-akhawunti yakho ngaphambi kokuba wenze idiphozithi. Ezinye ii-ATM zifunda kwaye zibala iibhili njengoko uzifaka, ngelixa ezinye zifuna ukuba ufake imali kwimvulophu (ngoko kuya kubalwa kamva ngumqeshwa webhanki).
Ukufumaneka kweengxowa : iifom e-ATM zikulungele, kodwa imali ayinakufumaneka kwi-akhawunti yakho emva kokumisa idiphozithi-nangona ubeka imali. Ininzi yemigaqo-nkqubo (kunye nomthetho wesigqeba) ivumela iibhanki ukuba zibambe iimali zosuku olongezelelweyo, kwaye ibamba lingahlala ixesha elide, kuxhomekeke ekubeni ngubani ophethe i-ATM. Ukuba ufuna imali ngokukhawuleza, umntu-mntu ubeka iipasiti zihamba phambili.
I-Intanethi kuphela
Ukuba uzama ukufaka imali kwi-akhawunti yebhanki ye-intanethi, le nkqubo inzima kakhulu - kodwa akunakwenzeka.
Utshintshelo lwe-ACH: indlela elula kakhulu ukufaka imali kwi-brick-and-mortar bank okanye kwimanyano yekhredithi kwaye uthumele imali kwi-akhawunti yakho yasebhanki. Le yinye yezizathu ezininzi zokuba kutheni ukufaneleka ukugcina i-akhawunti yezitena nee-mortar evulekile .
I-ATM ibeka: ezinye iibhanki ze-intanethi zamkela iifomethi kwi-ATM. Hlola kwibhanki yakho ukuba ubone ukuba ufuna ukusebenzisa inethiwekhi ethile ye-ATM, kwaye khangela iipostiki zee-network kwi-ATM ezikufutshane. Insiza yakho yasebhanki inokwenzeka ukuba inesitoreli se-ATM kwakhona.
Iimali zemali: ukuba ibhanki yakho yamkela idipozithi ngeposi, ungathenga umyalelo wemali ngemali kwaye uthumele umyalelo wemali kwi-bhanki yakho. Le nkqubo inokukhathekayo kwaye inzima, kodwa inokukhetha kwakho kuphela. Uya kufuneka uhlawule umrhumo wemali nganye (ngokuphindaphindiweyo kwi-dollar enye kwiivenkile zokutya kunye ne-convenience) kunye nokuposa, ngoko ke iifomiti ezincinci zingenakukufaneleka.
Enye indlela yokufaka i-oda ye-akhawunti kunye ne-bank deposit app yakho. Oku kusindisa kwixesha leposi, kodwa uya kusadingeka ukuba ufumane umyalelo wemali.
Imiyalelo yeemali ingaba yingxaki kuba amanye amaziko emali ayamkeli, okanye abavumeli ukuba uyifake kude. Buza ibhanki yakho indlela yokuphatha iilawutyala zemali (okanye funda isivumelwano sakho sokupaka) ngaphambi kokuba uphume kwaye uthenge enye.
Idipozithi kwikhadi elihlawulwa kuqala: amanye amakhadi okubhadela akhokhelwayo anakho ukhetho lwemali yokufaka imali, kwaye unokukwazi ukudibanisa i-akhawunti yakho ehlawulwa kuqala kwi-akhawunti yakho yasebhanki kwi-inthanethi. Oku kukuvumela ukuba utshintshwe ngekhompyutha, njengokuba usebenzisa i-brick-and-mortar bank. Khangela ikhadi elihlawulwa kuqala elikuvumela ukuba wenze iiphozithi kwindawo zokuthengisa (iWalmart, umzekelo). Enye indlela yokusebenzisa ikhadi lokubambisa elingaphinde lilayishwe kwakhona xa uthengela amakhadi okulayisha kwakhona kwiintengiso ezithandwayo ezifana nee-pharmacy kunye nezitolo zokuzikhethela (uza kuhlawulela imali yokukhawuleza kwakhona ikhadi, uze ungeze loo mali kwi-akhawunti yakho ehlawulwa kuqala).
I-Deposit Slip
Xa ufaka imali kwi-bhanki okanye kwimanyano yemboleko, uzakufuna ukusebenzisa i-slip deposit. Le nto nje isaphulelo sephepha esichazela umxeleli apho unokubeka khona imali. Bhala igama lakho kunye nenombolo ye-akhawunti kwi-slip yokupaka (ezi ziqhelekileyo zifumaneka kwi-lobby okanye ziqhube). Umgca wokuqala kwicala lasekunene le-slip yesibambiso ngokuqhelekileyo kubhalwe "IKHASHI," kwaye yiyo apho kufuneka ubhale inani lediphozithi yakho.
Musa ukuthumela iCash cash
Nantoni na oyenzayo, musa ukuthumela imali ngemali. Inkqubo yeposi ikhuselekile, kodwa ayifanelekanga ingozi. Ukuba ileta yakho ilahlekile okanye ibiwe, uphume kwintlanka; uhlobo lwemali kukuba akukho ndlela yokulandelela imali okanye ukuyibuyisela.
Ukuba awukwazi ukufaka imali kwi-akhawunti yebhanki uze uzame ukusebenzisa i-imeyile, zama ukusebenzisa i-order order. Ngokungafani nemali, umyalelo wemali unokusetyenziswa kuphela ngumntu othile okanye inkampani. Thatha imali yakho kuyo nayiphi na umrhumo womyalelo we-oda uze uthumele umyalelo wemali kwi-bhanki yakho (kunye ne-slip ye-deposit, okanye nayiphi na ibhanki yakho idinga idilesi idiphozithi). Uyakwazi ukulandelela umyalelo weemali uze uyikhansele ukuba loxwebhu lulahlekile okanye lubiwe. Iimali zemali kunye nezitampu zingadla iibhaksi ezimbalwa, kodwa kungcono kunokulahlekelwa ngu-100% wemali yakho.
Fumana iCash Cash
Ukuba kuyinkathazo yokufaka imali, zama ukufumana ubuncinci. Buza abantu ukuba bakhokhe enye indlela: iintlawulo ze-intanethi, ukuhlola, okanye i-oda zeemali zonke iindlela eziqhelekileyo zokuhlawula. I-PayPal, i-Popmoney ne-Venmo yenza kube lula ukuthumela imali kwi-intanethi , ngamanye amaxesha mahhala. Ukuba abantu bayakuhlawula ngetshekhi, unako ukuthumela idilesi kwiifomethi okanye udibanise iikopi ekude ukusuka ekhaya okanye kwiofisi.