Ngoko unokwenza njani iliso kwi-akhawunti yakho yasebhanki?
Izicwangciso ezingezantsi zenza kube lula ukuba kuya kwenzeka.
Emva kokuba ujonga ibhalansi yakho, qiniseka ukuba uyaqonda umahluko phakathi kwe-akhawunti ibhalansi kunye ne-balance balance .
6 iindlela ezilula
1. Ukungena kwi-intanethi: Ungaqwalasela i-akhawunti yakho yebhanki kwi-intanethi nanini na-kwaye unokwenza okungaphezulu kwelo. Ukuqalisa, uye kwiwebhsayithi yakho yebhanki uze ubone indlela yokufikelela kwi-akhawunti yakho ye-intanethi. Kwiimeko ezininzi, uya kukhangela inketho efana ne "Ukungena" okanye "Ukufikelela kweAkhawunti." Ukuba uyokutyelela kwakho okokuqala, khetha ukhetho olunjenge "Bhalisa" okanye "Umsebenzisi wokuqala."
Ukuba imbono yebhanki ye-intanethi isitsha kuwe, jonga ukuba kutheni ufanele uzame . Ukongeza kokujonga i-balance balance online, ungadlulisela imali kwezinye iibhanki , uhlawule iindleko ngaphandle kokubhala isheke kunye nokunye. Ukuze uhlalise ngokupheleleyo kwiindawo zokuhamba kwi-intanethi, khangela indlela yokuqalisa ibhanki kwi-intanethi .
2. Iifowuni zeefowuni kunye nemiyalezo yombhalo: Iifowuni zefowuni, iipilisi, kunye nezinye izixhobo zenza kube lula ukujonga kwiakhawunti ukususela naphi na.
Uninzi lweebhanki lunikeza iinkonzo (okanye ubuncinane iiwebhusayithi ezenzelwe amadivayisi eselula) ezivumela ukuba ubone ibhalansi yakho ye-intanethi. Izicelo zivumela ukuba wenze okungakumbi kunokuba ungayenza kwikhompyutheni yedeskithophu.
Ngokomzekelo, ibhanki ikuvumela ukuba ubeke iisheke ngefowuni yakho yeselula , ngoko unako ukuyeka ukuhamba kwisebe uze ufumane imali yakho ngokukhawuleza.
Indlela ekhawulezayo yokusebenzisa iselfowuni yakho ukusetha umyalezo wombhalo nebhanki yakho . Awudingi ukuba ungene ngemvume-ungacela ukuhlaziywa ngokukhawuleza kwebhanki ukuba ibhanki yakho inike loo ndlela.
3. Sebenzisa i-ATM: ii-ATM zinokubonelela ngee-balance balance account. Ngenisa nje ikhadi lakho le- ATM okanye ikhadi lebhanki , kwaye ulandele imiyalelo esesikrini . Kukulungele ukusebenzisa i-ATM yebhanki yakho (okanye inethiwekhi ye-ATM eyenziwa yibhankini yakho). Amanye ama-ATM aya kubakhokhela iirhafu-nokuba ngaba awukhiphi imali. Ibhanki yakho inokuhlawula imali eyongezelelweyo yokusebenzisa i-ATM "yangaphandle", ngoko ke loo mibuzo yokulinganisa ingakubiza.
4. Biza ibhanki: Ukuba ukhetha indlela yendabuko, yibiza ibhanki yakho ukuze ubone ukuba ibhanti yakho yintoni. Ukuthetha nomntu onyanisekileyo, unokufuna ukubiza ngexesha leeyure ezithile, kodwa ezininzi iibhanki zizenzele iinkqubo ezinika ulwazi lwe-akhawunti ye-24/7. Ukusekwa ukusetyenziswa kwezi nkqubo kungathatha inzame (ungadinga ukuseka iPIN , phakathi kwezinye izinto). Kodwa xa uphakame kwaye usebenza, kuya kuba yinto eqhelekileyo.
Enyanisweni, kwamanye amaziko, unokufuna ukuba wenze ucingo lo kuqala ukuseta ukufikelela kwi-intanethi. Ukufumana ukhuseleko olongezelelweyo, ummeli wenkonzo yabathengi angadinga ukunika amandla iimpawu zesevisi kwi-akhawunti yakho
5. Beka izilumkiso: Endaweni yokujonga iibhanki zebhanki yakho ngesandla, unokwenza ukuba ibhanki yakho ifuthe ulwazi kuwe xa kwenzeka okuthile.
Ufuna nje iintloko xa ibhalansi yakho yeakhawunti ifika phantsi, okanye naliphi na ukurhoxiswa okukhulu? Ukuba kunjalo, faka izixwayiso ukwenzela ukuba ibhanki yakho ikuthumelele i-imeyile okanye umyalezo wombhalo. Unokwenza ngokwezifiso iintlobo zemilayezo oyifumanayo kunye neyiphi imali edoliweyo. Ngeziqendu endaweni, unokuyicinga yonke into ude uva kwibhanki yakho. Sekunjalo, kubulumko ukungena kwaye ubuyekeze iakhawunti yakho ngokukhawuleza. Ukuba kukho naziphi na iimpazamo okanye ukuthengiswa kweenkohliso, kufuneka uxelele ngokukhawuleza ukufumana ukhuselo olupheleleyo phantsi komthetho we-federal .
6. Thetha kumtshi: Ukuba zonke izinto zehluleka, thetha nomntu-ngokucinga ukuba usebenzisa ibhanki yezitena kunye nomhlaba ngamasebe asekuhlaleni.
Ngelishwa, kunzima ukufikelela kubaxeli, kwaye ezinye iibhanki zize zihlawulise iimali ezongezelelweyo zeenkonzo zomntu. Nangona kunjalo, ukuba usebenzisa inkontileka yemboleko eyingxenye yenethiwekhi ye- Shared Branching , kunokubekho iinkulungwane zeendawo ezikhoyo kuwo wonke umhlaba. Ngokubambisana ngokubambisana, unokutyelela amagatsha eminye imibutho yamatyala ngaphandle kweendleko.
Nangona ukuthetha ubuso nobuso kunokuba luncedo, kulungile ukuba ukhululeke ngezinye iindlela zokuzibonela ngenkonzo. Uya kuqonda ukukwazi ukwenza izinto ngexesha lakho, ukusuka malunga nayiphi na indawo.
Ukulinganisela kwakho
Njengoko uhlolisisa ibhalansi yakho yebhanki, qwa lasela uhlobo lokulinganisela ofumanayo. Xa uhamba kwi-intanethi okanye usebenzisa i-bhanti ye-bhanki, ezininzi iibhanki zibonisa ibhalansi ekhoyo (ekwazisa ukuba unako ukuchitha okanye uhoxise namhlanje) kunye ne-balance balance account.
Ibhalansi ekhoyo ihlala phantsi ngaphantsi kokucinga ukuba unayo (into ocinga ngayo ngokuthi "ibhalansi ye-akhawunti yakho") ngenxa yokuthengiselana kwemali: ukugunyazwa kwekhadi yebhanki, iintlawulo zebhilikhi ezizayo, kunye neentlawulo ezingagqibekanga . Ezi mali zingase zifumaneke kwiintsuku ezimbalwa, kodwa kude kube ngoko, imali ikhutshwe.
Uyazi ngaphezu kweBhanki yakho
Ukuba ulinganisela i-akhawunti yakho rhoqo, awukuze ufune ukujonga ibhalansi yakho (nangona iinjongo ezilungileyo ukwenza njalo, ukuphinda uhlolisise kwaye uqonde iingxaki ngaphambi kokuba zibi kakhulu). Enyanisweni, mhlawumbi uyazi apho ibhalansi yakho ihamba phambi kwebhanki yakho. Ukuba ubhala isheke okanye usichitha ngaphambi kokuba umthengi athathe i-akhawunti yakho, iirekhodi zakho ziza kuchaneka ngakumbi kwiirekhodi zebhanki. Ukuze uthole imiyalelo eninzi, jonga indlela yokulinganisela i-akhawunti yakho yasebhanki .