Kukhawuleza kwaye kulungile kodwa iimpazamo zingakuhlawula imali yakho
Indlela yokucela iDisposithi ngqo
Konke okufuneka ukwenze kubonisa inombolo yebhanki yakho yokuhamba, inombolo yakho yebhanki yebhanki, kunye nohlobo lwe-akhawunti (ukujonga okanye ukugcina) kwifom yakho yerhafu.
I-IRS iya kuthumela i-akhawunti yakho yonke imali kwi-akhawunti eyodwa yebhanki.
Ungayifaka le ngcaciso kumigqa 76b, 76c kunye no-76d kwenguqu ye-2016 yeFomu 1040 . Ukuba ufuna iingxenye zembuyiselo yakho ngokuchanekileyo kwi-akhawunti yebhanki ezininzi, sebenzisa Ifomu 8888 ukuhlula imali yakho ekubuyiseleni phakathi kwee-akhawunti ezimbini okanye ezintathu.
Hlola rhoqo I-akhawunti yakho ye-akhawunti yeBhanki ngaphambi kokuFowulwa
I-IRS ithi ayikho uxanduva lweziphene ongazenzayo xa ufaka i-akhawunti yakho yebhanki ulwazi malunga nokubuyela kwakho okanye kwifom ye-8888. Ayinaso uxanduva ukuba ubuyiselwa imali yakho kuYohn Doe ngenxa yokuba uguqule amanani okanye ufake idijithali engalunganga. Ngeke "ikhansele inkokhelo" yembuyekezo yakho kwaye uthumele intlawulo yesibini kwi-akhawunti echanekileyo.
Awukho ngokupheleleyo ngaphandle kokukhetha, nangona kunjalo. Ukuba ubamba iphoso ngexesha, ungabiza i-IRS ngo-800-829-1040 ukusuka ngo-7 ukuya ku-7 ntambama. NgoMvulo ukuya ngoLwesihlanu ukuyeka idiphozithi ngqo.
Oku akuyi kunceda, nangona kunjalo, ukuba ukubuyiswa sekufakiwe. Ingakumbi isisombululo ukuba uthumele iposi ekubuyeni kwakho uze uqaphele impazamo phambi kokuba i-IRS iyifumane.
I-IRS inokubamba iimpazamo ezithile, ezifana nokushiya inombolo ukwenzela ukuba i-akhawunti okanye inombolo yokuhamba idijithi enye imfutshane. Kule meko, ukubuyela kwakho akuyi kudlula isheke sokuqinisekisa kwaye uzakufumana ngokuzenzekelayo isheke ngeposi.
Kuyafana ukuba ibhanki yakho ilahla idiphozi ngesizathu esithile. Ngaphandle koko, ukhululeke kakhulu ukujongana nebhanki yakho ukuzama ukubuyisela imali yakho.
Ukubuyiselwa kwemali ekhutshwe nge-deposit ngqo efunyenwe yiNgxowa-mali ye-Check Forgery Insurance Fund, mhlawumbi. Ngokommeli weSizwe onetyala:
"Xa iphetshana lemali libiwe, iNkqubo yoLawulo lwezeMali (i-FMS) iqinisekisa ukuba akukho mntu uxoxisana nekhenkethi kwaye uphakamisa omtsha kumrhafi werhafu. Ukuba i-FMS ifumanisa ukuba i-check sheet iphethathethathethwano, iqhuba uphando olongezelelweyo, kwaye ukuba ummiselo wokuhlawula umrhumo, i-FMS ibeka ingxaki kumntu ohlawula irhafu kwaye ihlawule iNgxowa-mali yokuThengwa kweNgxowa-mali (CFIF). ukuhlolwa kwexesha elifanelekileyo apho umntu wesithathu uxoxisana ngokutshutshisa isicatshulwa sokuqala ....
"Izikhokelo ze-FMS zikhankanya inxalenye, 'Ukuba umrhafi werhafu okanye i-arhente yerhafu enika ulwazi olungengalunganga lweakhawunti, akukho FMS okanye i-IRS eya kunceda umhlawuli werhafu ngokubuyisela imali, kwaye umhlawuli-ntlawulo unakho ukukhulula ukwenza izenzo zomntu. I-IRS iguqulela esi sikhokelo njengesihluthulelo esivela kwiimbopheleleko eziqhubekayo njengoko nje i-akhawunti ibalulwe kwi-return. Ukuchazwa kwe-IRS yezikhokelo ze-FMS kushiya abahlawuli berhafu ukuba bafumane ukubuyisela imali yokubambisa irhafu. " (Nina Olson, uMmeli-ntengiso weSizwe, ubungqina phambi kweNdlu yabameli, i-Subcommittee on Crime, Ulwaphulo-mthetho kunye noKhuselo lwaseKhaya, ngo-Juni 28, 1012, ukuva ngoBakho boBukuthi kunye noNgeniso lweRhafu UkuPhuhlisa , iphepha 12-13, pdf.)
Yintoni ongayenza Ukuba iRhafu yakho ithunyelwe kwi-Akhawunti yeBhanki engalunganga
Ukuba amanani aboniswe kwingxelo yakho yerhafu ayilungile kodwa awufumani idiphozithi yakho ngqo, biza i-IRS kwaye ubacele ukuba baqalise umkhondo wokubuyisela imali ukuze bafumane imali yakho. Ukuba inombolo yeendlela oye wabonisa ekubuyeni kwakho ayilunganga, qha ga mshelana nebhanki apho ubuyisela khona imali yakho. Unokuyijonga ngokujonga ukuba yeyiphi ibhanki edibeneyo nenombolo yomzila oyifakileyo. Le ngcaciso ifumaneka kwi-intanethi.
Xhagamshelana nomphathi we-ACH kule bhanki ukuze ubone ukuba unokumkhohlisa ukuba athumele ukubuyiselwa imali kwi-IRS, uze ubize i-IRS ukuba ubaqaphele ukuba idiphozithi iya kubuya. Ndayilungisa le nkqubo emva kokunceda umthengi ukuba athathe imali yakhe yokubuyisela imali engafanelekanga efakwe kwi-akhawunti engafanelekanga. Ngenhlanhla, ibhanki yakwazi ukuncedisa umxhasi wam, kodwa akusoloko kube njalo.
Abathengi banokufuna ukubonisana nommeli ukuba bahlaziye iindlela zabo zokuthatha amanyathelo omthetho ukubuyisela imali eyabuyiselwa ngqo kwi-akhawunti engafanelekanga.
Yintoni ongayenza ukuba i-Preparator yakho yentela idibanise ulwazi lwakho lweeNgcaciso zeBhanki yeDisposithi
Ummeli weSizwe oThengise umThengi uye wabonisa ukuba ezinye iipresparti zerhafu ziguqula ulwazi oluchanekileyo lwentlawulo yebhanki ukuze luguqulele imali kwiingxelo zabo. Lobu buqhetseba. Ukubuyiselwa kwemali yentlawulo kufuneka kufakwe ngqo kwi-akhawunti yebhanki yerhafu. Xhagamshelana nommeli ukuba uhlaziye zakho iinketho ngokuthatha amanyathelo omthetho ukuze ubuyiselwe imali yakho xa oko kwenzeka kuwe. Inkqubo yokuqinisekisa yembuyekezo yentela .