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Ukuqhagamshela iiAkhawunti
Ukudibanisa ii-akhawunti zebhanki zangaphandle: Indlela elula yokudibanisa i-akhawunti kukukwenza konke kwi-intanethi okanye nge-app.
Enyanisweni, loo nto ingaba yindlela yakho kuphela.
Hlanganisa iinkcukacha ezilandelayo malunga ne-akhawunti ozama ukuyifakanisa.
- Igama leBhanki
- Indawo yeBhanki (idolophu kunye nelizwe kufuneka nonke unikezele)
- Inombolo ye-ABA yokuhamba (ukusuka ekhoneni eliphantsi lasekhohlo lakho okanye enye imithombo )
- Inombolo ye-Akhawunti (inombolo yakho ye-akhawunti kwibhanki yakho okanye inyunyana yekhredithi)
Funda apho unokufumana khona izinto ekuhloliseni kwakho ngokujonga iiNgxenye ze-Hlola . Unokufumana le ngcaciso ngokuqhagamshelana nebhanki yakho okanye ukufuna ezo nkcukacha.
Nangona ungene kwi-akhawunti yakho yasebhanki, khangela ukhetho lokuba "ukudluliselwa" okanye ii-akhawunti zangaphandle. Ukhetho luhamba ngegama elithile kwiibhanki zonke, kodwa igama elithi "ukudluliselwa" livela kwenye indawo kwiimeko ezininzi.
Xa ufaka indawo yewebhusayithi esetyenziselwa ukudluliselwa, uya kufuna ukufaka i-akhawunti entsha (mhlawumbi sele udibene namanye ama-akhawunti, okanye unokufuna ukudala ikhonkco yakho yokuqala). Cofa kwizinto ezikuvumela ukuba ungeze i-akhawunti.
Emva kokubonelela ngolwazi lwakho lwebhanki, iziko lakho lemali liya kufuneka liqinisekise ukuba unayo i-akhawunti. Baya kwenza "iilingo zokufaka iilingo" eziliqela kwi-akhawunti yakho yangaphandle, engama-dollar enye, ukuze ubone ukuba unokuqinisekisa ukuba ikhonkco yenziwe ngokuchanekileyo. Qiniseka ukuba ungene kwi-akhawunti yangaphandle yakho kwiintsuku ezimbalwa ukujonga ezi ntlawulo.
Emva koko, buyele kwelinye i-akhawunti ukuqinisekisa ubungakanani bentlawulo. Ukuba iimali ziyafana, ikhonkco yakho iya kuqinisekiswa. Iifom ziza kuguqulwa kungekudala emva kokuba zenziwe - awukwazi ukugcina imali.
Kwezinye iibhanki, kunokwenzeka ukweqa iifowuni zeesilingo uze wenze ikhonkco ngokukhawuleza. Ukwenza oku, uza kufuneka unikezele igama lakho lomsebenzisi kunye nephasiwedi ye-akhawunti yangaphandle ofuna ukuyifumana. Nangona le nto ikhawuleza, mhlawumbi ayinayo ingcamango elungileyo - ithetha nje elinye ithuba lokuba iphasiwedi yakho ibanjwe.
Ukumisela iintlawulo ze-intanethi: Ukuba wenza okanye ufumana iintlawulo (ngokuchasene nokuhambisa imali phakathi kweebhanki), inqubo ifana nefana ne-akhawunti yakho kunye neenombolo zokuhamba. Mhlawumbi akuyi ku funeka uhambe ngamanyathelo okuqinisekisa ngaphandle kokuba unako ukuhambisa imali eninzi kwi-akhawunti yakho. Ngeentlawulo ezikhokhwayo ze- intanethi okanye iintlawulo ezifana nediphozithi ngqo ye-earnings yakho , phinda uhlolisise iinkcukacha zokuhamba kunye neakhawunti ngaphambi kokucofa "Thumela."
Ezinye iintlobo zee-akhawunti: uhlobo olulula kakhulu lwekhonkco lukhonkco phakathi kwe-akhawunti ezimbini zebhanki. Kunokwenzeka ukudibanisa i-akhawunti yakho yasebhanki kwezinye iindidi ze-akhawunti (njenge-akhawunti ye-brokerage), kodwa inkqubo inokuba yinto ehlukileyo.
Xa ujongene neakhawunti ezingekho kwi-akhawunti yebhanki, kufuneka usebenzise ifom ekhethekileyo (ngokuqhelekileyo unikezelwa ngabani na abamba i-akhawunti yakho engekho yebhanki).
Iinkonzo zokuhlawula, njenge-PayPal, i-Venmo, okanye nayiphi inkonzo yenkokhelo yokufumana intanga esebenzisa i-akhawunti yakho yasebhanki, inkqubo iyafana ngokufana nokuba udibanisa ii-akhawunti ezimbini zebhanki.
Ukudibanisa i-akhawunti kwi-bhanki yakho okanye umanyano wekredithi: Kulula ukuhambisa imali phakathi kwe-akhawunti yakho yokujonga nokugcina imali kwi-bhanki enye okanye inkontileka yekhredithi, kodwa kunokufanelekile ukuthatha izinto ezinyathelo. Ukuba unenkxalabo malunga nokuphelelwa kwemali kwi-akhawunti yakho yokukhangela, unokukwazi ukusetha izinto ukwenzela ukuba i-akhawunti yakho yokulondoloza isebenze njenge-backup yokujonga. Esikhundleni sokuhlawula iireki, ukuhlawulwa kweentlawulo, okanye ukuhlawula imali ephezulu ye-overdraft , ibhanki yakho inokudlulisela imali kwi-savings ukujonga ukuhlawula intlawulo.
Khangela ukuba iindleko zakho zebhanki zithini kangakanani le nkonzo ngaphambi kokuba wenze umkhwa wokuwusebenzisa (imali eyi-10 yemali nganye yokudlulisa ingafaka isicelo).
Ukudibanisa iiAkhawunti kwiNdala endala
Unako kwakhona ukusetha ukuhanjiswa kunye neentlawulo ngaphandle kokuhamba kwi-intanethi (okanye leyo inokuba yindlela kuphela ekhoyo). Buza iziko lakho lemali ukuba ngaba baya kudala ikhonkco ukuba unika iphepha lokutshekisha. Kufuneka ubhale isheke kwiziko-nokuba idiphozithi okanye ixabiso elincinane njengedoli enye - okanye unokwenza ukuba ufumane isheke esinqunyiwe . Ngenye indlela, kuya kufuneka ufundise isiko ukudala unxibelelwano, mhlawumbi ngokusebenzisa ifomu okanye ngokufaka inqaku ngetshekhi yakho.
Ngamanye amaxesha, amaziko ngokuzenzekelayo adala unxibelelwano xa uvula i-akhawunti kwaye wenze idiphozithi yokuqala kwi-akhawunti ngetshekhi (uvumelana ngokuthe ngenye indawo kwiphepha elilungileyo).
Ukuba iBhanki yakho idibanisa okanye iinguqu zegama
Yintoni eyenzekayo xa elinye iqumrhu lakho lezemali liguqula amagama okanye libandakanyeka ekuhlanganiseni? Kwiimeko ezininzi, akudingeki wenze nantoni na. Iibhanki ziya kunxibelelana ngolwazi emva kwemifanekiso kwaye ziya kugcina yonke into ngqo. Kungenzeka ukuba uya kufuneka uhlaziye ngolunye ulwazi ngolwazi lwe-akhawunti yakho-ngamanye iminyaka emva kokutshintshwa kobunini, ukuba kukho.
Kutheni iAx akhawunti?
Ngoku ukuba i-akhawunti yakho idibene, unokwenza ntoni? Kukho iinzuzo ezininzi zokufumana ezi akhawunti. Unga:
- Gcina ulondolozo kwibhanki enika amaxabiso angcono.
- Lungiselela iindleko ezinkulu (fumana imali kwi-akhawunti yebhanki ye-intanethi) ngaphandle kokujongana nophenyo lwamaphepha, ukutshintshela i-wire , okanye uhambo oluya kwisebe.
- Zihlawule kuqala : Hlela izicwangciso zokulondoloza ngokuzenzekelayo ezisebenza ngokuzenzekelayo (kwaye ke zinokwenzeka ukuba ziphumelele).