Iiholide zeFederal kunye neeholide zeBhanki
Iholide zeBhanki zibukela iiholide ezivakaliswe yiBhodi yeBhodi yokuGcina.
Ngezo holide, amasebe asebhanki kunye namabhanki eentengo zemboleko avame ukuba avaliwe, kwaye iibhanki zimise ukuhlawulwa kwemali emva kwemiboniso. Nangona kunjalo, iibhanki ziyakulandela ishedyuli yazo, kwaye ezinye zihlala zivulekile kwiholide okanye zigcine iholide ngosuku oluthile.
Ieholide zaseFederal ziquka imihla elandelayo, kwi-Federal Reserve Board:
2017 | 2018 | 2019 | 2020 | 2021 | |
|---|---|---|---|---|---|
| Umhla wonyaka omtsha | Jan 1 | Jan 1 | Jan 1 | Jan 1 | Jan 1 |
| UMartin Luther King, uJr. Usuku | Jan 16 | Jan 15 | Jan 21 | Jan 20 | Jan 18 |
| Usuku loMongameli | Feb 20 | Feb 19 | Feb 18 | Feb 17 | Feb 15 |
| Usuku lokukhumbula | Meyi 29 | NgoMeyi 28 | Meyi 27 | Meyi 25 | Meyi 31 |
| Usuku lwenkululeko | Julayi 4 | Julayi 4 | Julayi 4 | Julayi 4 | Julayi 4 |
| Usuku lokusebenza | Sept 4 | Sept 3 | Sept 2 | Sept 7 | Sept 6 |
| Day Columbus | Oktobha 9 | Oktobha 8 | Oktobha 14 | Oktobha 12 | Oktobha 11 |
| Umhla wamaGorha | Novemba 11 | Novemba 11 | Novemba 11 | Novemba 11 | Novemba 11 |
| Usuku lokubulela | Novemba 23 | Novemba 22 | Novemba 28 | Novemba 26 | Novemba 25 |
| Usuku lweKrisimesi | Dec 25 | Dec 25 | Dec 25 | Dec 25 | Dec 25 |
Ieholide zeBhanki zingahluka kwieholide zedolophu. Amasebe eBhanki avulekileyo kwi-shishini kwiholide, kodwa kukulungele ukujonga ngaphambi kokuba uhambe.
Amaziko okufowunelwa kakhulu amathuba okuvulwa kwieholide ezithile, kodwa inkonzo yabathengi ingaba namandla okukwazi ukulungiselela iimfuno zakho, kunye namasebe akhethekileyo akwazi ukuphuma eofisini.
Kutheni umcimbi weeholide ochaphazelekayo: Ukuba ibhanki ivuliwe kwiholide yombuso, ibhanki iyakwamkela iifomiti, ithathe izicelo zokuboleka imali kunye nezinye.
Kodwa ukuhlawulwa kwentlawulo kwiBhanki yaseStar Reserve ayitholakali, kwaye iintlawulo ze-ACH nazo zimiselwe. Ngenxa yoko, ezinye iintlawulo (njengama- check checks ) zibanjwe kude kube ngumhla webhishini olandelayo. Ukuthengiselana kuthatha iintsuku ezininzi zeentsuku zokusebenza, iiholide ezisemthethweni kunye neveki zingabalwa njengeentsuku zoshishino.
Amaholide ngeveki-ntsuku: Ukuba iholide yombuso iwela ngoMgqibelo, isebe lakho lebhanki namanye amaofisi e-Federal Reserve uvale ngoLwesihlanu owedlule. Xa iiholide ziwela ngeCawa, iibhanki kunye nee-Federal Reserve ofisi zivaliwe ngoMvulo olandelayo. Le mihla yeveki ingabalwa njengeentsuku zoshishino.
Iholide zeBhanki ziza kuba nzima
Kwiholide ezininzi zebhanki, awuyi kuphinda uqaphele ukuba ukuhlawulwa kwentlawulo kuye kwagqitywa. Nangona kunjalo, ukuba unomvuzo omfutshane wokuhlawula okanye ufuna iimali ngokukhawuleza, iiholide zingakukhusela ukuba wenze into oyifunayo. Ngenxa yoko, kunceda ukwenza izinto zibekwe phambi kweeholide kunye neveki zeeholide.
Iifosti aziyi kufakwa kwi-akhawunti yakho kwieholide zebhanki. Ukuba ufuna imali yokuhamba kweeholide okanye ezinye iimfuno, oku kungabangela iingxaki. Iindaba ezilungileyo kukuba ukurhoxiswa kwekhompyutha ngokuzenzekelayo kwi-akhawunti yakho kufuneka kwakhona kumiswe ngexesha leeholide.
Ukuba ufuna ukufaka isheke, sebenzisa i- app yebhanki yakho yeselula ukufaka isheke phambi kweeholide (ngoLwesihlanu ebusuku, umzekelo). Ezi zixhobo zivame ukuvumela amaxesha anqumlayo emva kwexesha-ezinye zeebhanki zithuba zokuposa ezifakwe ngo-9: 00.
I-Deposit yokucima iyancipha ngexesha leeholide. Xa ubeka imali kwi-akhawunti yakho ngetshekhi, ibhanki inokubamba loo mali kwiintsuku zoshishino eziliqela , kwaye awukwazi ukuyichitha loo mali de idibanise. Iholide yongeza usuku loshishino olongezelelweyo ngexesha lakho lokulinda. Uhlolo olusemthethweni kunye nokudluliselwa kwentambo kucace ngokukhawuleza .
I-Payroll imiswe ngeeholide. Ukuba uhlawulwa ngokupaka ngqo kumqeshi wakho , unokufuna ukulinda ixesha elide kumvuzo wakho. Abaqeshi bavunyelwe ukuba bahlawule iintlawulo zokuphuma ngaphambi kweeholide zasebhankini, kodwa akudingeki ukuba benze njalo.
Iintlawulo zekhompyutheni ngaphandle kweakhawunti yakho zilibazisekile. Kwibala eliqaqambileyo, uya kuba nemali eninzi kwi-akhawunti yakho yeeholide. Nangona kunjalo, oku kunokubangela ukuba wenze iintlawulo zexesha elide kwaye ubhekane nemirhumo yokugqibela okanye ezinye izigwebo. Awukwazi ukuthumela uthungelwano lwefowuni kwiholide, kodwa ungathumela isicelo sokufowuna ukuba uphume ngosuku olulandelayo lweshishini.
Iintlawulo zemibo-mboleko ayithethwanga kwieholide okanye kwiintsuku xa iholide zigcinwa. Ukuba uthumele ngeposi kwiintlawulo, oko kungenakuba yingxaki, kodwa qinisekisa iinkcukacha zoluhlobo lweakhawunti ozenzayo iintlawulo. Ngaphantsi komthetho we-federal, iintlawulo zekhadi zekredithi ngeposi kufuneka zibalekwe ngexesha-xa zifunyenwe ngo-5: 00 ngosuku olulandelayo lweentsuku emva kweeholide (kuba akukho inkonzo yeposi kwieholide). Nangona kunjalo, ukuba wenze iintlawulo zekhompyutha, i-intlawulo yakho ifuna ukuhlala phambi kweeholide.
Amagatsha avame ukuvulwa ngeeholide, kodwa iibhanki zendawo zingabakho ieholide kunye neveki zeeyure. Ukuba ufuna ukufumana iteksi yecashier okanye unakekele ezinye imisebenzi, mhlawumbi kukulungele ukwenza njalo ngaphambi kwexesha. Oko kwathiwa, ngamanye amaxesha amasebe avulekile ngoMgqibelo weveki yeeholide, ekunika ithuba lokungena ngaphakathi nokunyamekela ishishini. Ukuba udinga umyalelo weemali , unako ukufumana abo bathengisa kunye nabasitolo bezinto eziqhelekileyo ezivame ukuvula unyaka wonke. Ukuba ibhanki yakho ibonakala ivuliwe kwiholide, loo holide ayiyi kubalwa njengomhla woshishino wokucima imali.
Abathengisi bangaba mfutshane kwimali. Amashishini kunye nabanye abathengisi kufuneka bacwangcise iibhanki ukuba zihlale zivaliwe ngexesha leeholide, ngakumbi ukuba iholide ixakeke ngakumbi kwabathengi abahlawula imali. Iimali zemali ezongezelelweyo kunye nemali zingangena ngokufanelekileyo, kodwa kungaba yingozi ukugcina imali eninzi ngesandla.
Ezinye iindleko aziyi kuhanjiswa. Iintlawulo zentengo, ukubhalisa kunye nezinye iindleko zihlawulwa ngexesha leeholide zasebhankini. Ngethamsanqa, abaninzi ababoneleli bavumela iintlawulo ukuba zifike ngosuku olulandelayo lweentsuku emva kweeholide.
Ukusebenzisa iiAkhawunti zakho
Nangona kukho imingeni engentla, usenokusebenzisa i-akhawunti yakho-kwangeveki ende ende yeeholide. Iifowuni zefowuni kunye neewebhsayithi ziyakuvumela ukuba ukhangele iibhalansi ze-akhawunti kunye nokudluliselwa kwesicelo okanye iintlawulo zesikhokhelo ngosuku lomsebenzi olandelayo. Ungasebenzisa kwakhona ikhadi lakho lokubambisa kunye nekhredithi kwi-intanethi kunye no-person-person shopping, kodwa ibhalansi yakho ekhoyo ingatshintsha emva kweeholide.
Ukuba ufuna ukufaka imali kwiakhawunti yakho kunye neeholide efikileyo, faka imali okanye ucele ukuba umntu enze utshintshelo lwefowuni kwi-akhawunti yakho. Ezi zidiphozithi zifanele zenziwe zifumaneke ukuba zichithe ngenye imini yoshishino. Uhlolo olusemthethweni kunye ne-oda le-USPS yemali lucacisa ngokukhawuleza, kwaye idiphozithi ngqo yomvuzo wakho kufuneka ifumaneke kwimihla yomsebenzi omnye, kwaye umqeshi wakho unokufaka imali ngaphambili.
Indlela yokuhlawula ngokukhawuleza iBhili
Ukuba iholide iya kubangela ukuba ulahlekelwe iintlawulo, unokufumana amathuba amaninzi okwenza iintlawulo ezikhawulezileyo.
- Bhatala umnikezeli nge-intanethi: Ababoneleli ngeenkonzo, ezifana ne-utility okanye iinkampani zentambo, bavame ukufumana iintlawulo ze-intanethi ngokubhengeza kwangoku. Esikhundleni sokuhlawula indlela oqhele ngayo, tyelela iwebsite yomboneleli wenkonzo, ungene ngemvume kwi-akhawunti yakho, ubone ukuba unako ukwenza intlawulo ngokukhawuleza. Yenza amanani akho ekhadi okanye ulwazi lwe-akhawunti yebhanki lukulungele ukugqiba intlawulo.
- Bhatala ngefowuni: Ungakwazi kwakhona ukuhlawula ngefowuni. Endaweni yokucinga igama lakho lomsebenzisi kunye nephasiwedi, uya kuhlala, kodwa umphumo wokugqibela ufana.
- Ukuhlawula umntu: Iinkonzo zengingqi, kunokwenzeka ukutyelela isikhungo sokuhlawula kunye nokuhlawula ibhilikhi phambi komntu ngaphambi kokuba iholide iqale. Ezinye iinkonzo zokudluliselwa kwemali kunye nevenkile ziyakuvumela ukuba uhlawule iibhidi kunye nabanikezeli belizwe ngomntu.
- Inkokhelo yebhilidi ye-intanethi ngebhanki yakho: Ukuba unomhla owongezelelweyo okanye ezimbini phambi kweeholide, inkqubo yakho yokuhlawula ibhanki ye-intanethi ingasebenza. Misa umvuzo kwaye ucele inkokhelo ngomhla ongangoko unokwenzeka. Kwezinye iimeko, kuya kufuneka uhlawule umrhumo wokuhlawula iindleko, kodwa umrhumo kufuneka ube ngaphantsi kweyiphi na isohlwayo okanye iindleko zokugqibela.