Awudingi i-brick-and-mortar bank ukugcina imali yakho ikhuselekile kwaye ikhula
Kungekudala, ukhetho lwakho lwee-akhawunti zokulondoloza lwalukhawulelwe kwiibhanki zasekuhlaleni kwaye unesihe kuyo nayiphi na inkonzo yabathengi kunye neerhafu zenzalo loo mabhanki asekuhlaleni ayifanele anikele. Le ntsuku, nangona kunjalo, unamathuba amaninzi. Ngombulelo kwiibhanki kwi-intanethi, unokufumana amaxabiso okugcina imali kunye nama-akhawunti kunanini ngaphambili kwaye uphathe ubuhlobo bakho bebhanki kwi-smartphone yakho okanye kwikhompyutha. Ukuba unomdla wokupaka i-akhawunti yakho yokulondoloza inzala ephezulu, funda ukufunda ukuba yiyiphi eyona nto ifanelekileyo.
01 Ngokugqwesileyo: Ally
I-akhawunti ephezulu kuleluhlu ngu-Ally Bank, ene-1.45 yepesenti ye-APY kunye nosuku olufanayo oludluliselwa ngo-Zelle, le akhawunti ivelisa intlangano yamanani amanqanaba aphezulu kunye nokufikelela okulula kwimali yakho. U-Ally, owayekade e-GMAC, unikezela nge-intanethi ukuhlola nokugcina i-akhawunti. Ukulondoloza akukho mali yenyanga, unikezela i-deposit yesitatimende esinqununu kwaye kwenza kube lula ukuthumela imali kwi-akhawunti nakweyiphi enye ibhanki e-United States.
Ibhanki iye yabala kakuhle inkonzo yabathengi, phakathi kwezinga eliphezulu lemigangatho kwishishini, iimali ezimbalwa kunye nokuthunyelwa kwangoku kunye noZelle. Ngaphandle kokuba ufuna ukufakela iincwadana ezimbalwa zepesenti zenzalo, le akhawunti yinto ekhethekileyo.
02 Eyona ngcono ngokuTshintsho okuKhuselekileyo: iNkunzi yesiXeko
I-Capital One ibhanki mhlawumbi iyaziwa kangcono ngamakhadi ayo okwereta kuneebhanki zayo zebhanki, kodwa oko akuthethi ukuba ibhanki ayifanelekanga ingqalelo. I-Capital One ithenge i-ING Direct ngo-2011 kwaye yabuyiselwa njenge-Capital One 360, ingalo yebhanki ye-Capital One. Kuyi-360 Ukukhangela kwaye i-360 Savings iphakathi kwezona zithandwa kakhulu ngabathengi bebhanki kuphela be-intanethi.
I-akhawunti yokulondoloza imali-ntlawulo ayinaso ubuncinane bokuvula kwaye ihlawule i-1.0 yeepesenti ye-APY. Oku kuphakamileyo kakhulu kunomyinge wesantya, kodwa kungekhona phezulu kwepakethi. Enye inzuzo enkulu, nangona kunjalo, iyilungu leNkunzi ye-Capital One ku-Zelle, inethiwekhi yentlawulo yangokukhawuleza ekuvumela ukuba uthumele imali kwi-akhawunti enye yebhanki enye kwenye imini ngaphandle kwemali.
03 Eyona nto ibalulekileyo kwiNkonzo yoMthengi: i-American Express
I-American Express ngumniki wexesha elide ngemveliso yezemali kwaye iyaziwa kakhulu ngamakhadi akhe ekwereta. Kodwa kwi-1,45 yeepesenti ye-APY, i-akhawunti yokulondoloza i-intanethi iphezulu kumyinge ngokwemfuno. I-akhawunti ayikho ibhalansi encinci okanye iindleko zenyanga, kwaye unako ukuxhuma kwi-akhawunti nakweyiphi enye ibhanki ukuthumela imali.
Elinye icala labaphathi bekhadi le-Amex kukuba ikhadi lekhredithi kunye nokusetyenziswa kwebhanki kwiindawo ezihlukeneyo, iingxelo kunye neenkqubo. Nangona kunjalo, i-akhawunti isuka kwi-American Express, edla ngokubanzi phakathi kwenkonzo yamakhasimende efanelekileyo kakhulu kunoma yiphina iziko lemali. Ukujonga umyinge wokuhlaziywa kwi-intanethi, kucacile ukuba inqanaba leenkonzo lifikelela kubathengi bebhanki.
04 Eyona ngcono kwiFund Easy Access: Fumana
Kanti enye inkampani eyaziwa kakhulu ngamakhadi-mboleko kunebhanki, i-Discover inikeza i-akhawunti yokuhlola nokugcina imali kwi-Discover Bank. Ukufumanisa ukugcinwa kwe-intanethi kune-1.5 ye-APY yeepesenti, eyona nqanaba lentlalo ephezulu. I-akhawunti ayikho ihlawulwa imali, kuquka ukuthunyelwa kocingo olungenayo.
Fumana i-Bhanki inikezela nge-akhawunti yokugcina imali yemarike, ekhethekileyo kwi-akhawunti ye-akhawunti yokugcina imali. Ihlawula ngaphantsi, kwi-1.35 yepesenti APY yezilinganiso phantsi kwe-$ 100,000 kunye ne-1.40 ekhulwini kwiimali ezingaphezulu kwe-100,000 zama-dollar, le akhawunti ikunika amandla okufikelela kwimali yakho nge-ATM, debit okanye ukhangele.
05 I-Savings Best Online ngeeNkonzo zoPhuhliso: i-CIT Bank
Phakathi kwoluhlu lweebhanki, enye iphakame ngaphezu kweyonke inxalenye, i -05 ekhulwini ibe yinto echanekileyo. I-Bank ye-CIT, ukuba ingadityaniswa neCiti yeBhanki, inika i-1.55 pesenti ye-APY njengale mibhalo. Iingxelo zidinga imali engama-100 elungelelanisiweyo. Ukongezelela ekulondolozeni i-intanethi, i-CIT ivumela abathengi kwinani elincinci lamazwe lonke kwiindawo zesebe zaso (amasebe angama-71 ngo-USbanklocations.com).
Njengamanye ama-akhawunti agcina i-intanethi, ayinayo imirhumo yokusetyenziswa kwe-akhawunti ngokuqhelekileyo kunye nokuthunyelwa kwe-intanethi ngokulula nakwi-akhawunti yakho nakwezinye iibhanki. I-akhawunti yokulondoloza ibuye ifumaneke njengeakhawunti yokugcina, ngoko ke ukuba umntwana wakho unolondolozo kwaye ufuna ukuwubeka emdlalweni ophezulu ngaphandle komngcipheko, le akhawunti ingaba yinto efanelekileyo.
06 I-UK-Based Based: Barclays
IBarclays yiziko lezemali elisekelwe e-UK. Lapha eUnited States, inkampani inikeza amakhadi enkredithi kunye neakhawunti egciniweyo yokugcina imali kwi-intanethi. I-akhawunti ye-Barclays Bank yokulondoloza ibonelela phakathi kwamaxabiso amanqanaba aphezulu kwisizwe (iipesenti eziyi-1.5 APY njengaleyo ebhaliweyo) kwaye ayihlawulanga imali yokugcinwa kwenyanga okanye ezinye iindleko zomsebenzi we-akhawunti evamile.
I-akhawunti ayinayo ibhalansi encinci kwaye inikezela ngebhanki kwi-intanethi ngokudluliselwa kuye okanye nakweyiphi enye i-akhawunti yasebhange yase-United States. Nangona i-akhawunti inemibhobho embalwa, inika ithuba elikhuselekileyo lokuncedisa imali. Yaye, xa imali yakho ifakwe, i-dollar yakho yeebhilidi inokuba nelizwi leBrithani kwixesha elizayo.
07 Eyona ngcono kwiNgxowa-mali ezixakekileyo: uMarcus nguGoldman Sachs
Uninzi lwabantu bacinga ngeGoldman Sachs ngenxa yembali yayo ye-Wall Street, kodwa uGoldman Sachs wenza okungaphezulu kwebhanki yotyalo-mali. Inkampani isanda kufaka amaphiko ayo kwiindawo ezininzi, kuquka ukuboleka kunye neebhanki. UMarcus nguGoldman Sachs unikezela ngemali mboleko kunye nemali ephezulu yokugcina imali.
I-akhawunti yokulondoloza isivuno esiphezulu isondele phezulu kwerhwebo kwi-1.5 yeepesenti APY. Ukuba abantu abanamalungelo amaninzi abanikezelayo bafuna ukubeka inani elikhulu kule nqanaba lemali, qaphela ukuba umda we-1 million yezigidi ngamnye umnikazi we-akhawunti kunye ne-$ 1 yezigidi nganye nge-akhawunti. Ininzi yethu akufuneki sikhathazeke malunga noko, nangona kunjalo, kwaye kuya kulunge ukusebenzisa le akhawunti kwiziko lexakeka.
08 I-Savings Best kwi-Intanethi yeThathaka: I-Synchrony Bank
I-Synchrony Bank, eyayiyi-GE Capital, inomnye weengxelo zokugcina imali ezithatha inzala ekhoyo namhlanje. Kuboshwe kwindawo yokuqala kuleluhlu nge-1.55 pesenti ye-APY. Ngamava ethu, ibhanki ye-intanethi kwi-Synchrony ayikwakhiwe kakuhle okanye inokwethenjelwa njengabanye abantu kuloluhlu, kodwa yindawo ekhuselekileyo yokugcina imali yakho kwizinga eliphezulu elinomdla kunye ne-inshurensi yakwa-FDIC.
Enye inzuzo enkulu ukuba le akhawunti inika ngaphezu kwamanye ama-akhawunti okonga i-intanethi yikhadi le-ATM. Ngoxa unako ukutshintshela nakweyiphi enye ibhanki e-United States kwi-intanethi, oku kukunika inketho yokufumana ngokukhawuleza ukugcinwa kwakho ngaphandle kokulindela ukudluliselwa. Ukungabikho kwiibhanki ze-intanethi, ungenza iifomethi kwi-ATM kwi-akhawunti yokugcina i-Synchrony, nje kuphela ukuba i-ATM iyakwamukela idizithi kwaye ibonisa i-Plus okanye i-ACCEL logo.