I-ACH - I-House Clearing House

Inkcazo kunye nokuHlola kwe-ACH

I-ACH imele inethiwekhi yeComputer Clearing House. Ukuba unjengabantu abaninzi, oku ngaphezu kokufuneka ukwazi - into ebalulekileyo ukuyiqonda kukuba i-ACH ibhekisela kwiintlawulo zekhompyutha . Xa umqeshi wakho ehlawula nge-deposit ngqo , uhlawula iibill zakho ngeteknoloji , okanye isheke liguqulwa kwi-e-check , i-ACH isebenza.

Ukuba unomdla kuphela ekuqondeni ukuba ngaba awufanele usebenzise i-electronic fund transfer, funda malunga nezinto ezisisiseko apha (okanye yeqa kwiingxoxo zokuba kutheni amashishini asebenzise i-ACH , kwaye indlela eyenza ubomi kube lula ngayo ngabanye ).

Ukuba unomdla kwamanye amanqwanqwa kunye neebhontshi zale ntengiso, funda.

Iikhomputha ezithethayo

Inkqubo ye-ACH yinkonzo yeikhomputha ezithengisanayo ukuze zenze iintlawulo zenzeke. Okubalulekileyo, uneesethi ezimbini zeekhompyutheni kwintlawulo nganye - enye eyenza isicelo, kunye nomnye owanelisayo isicelo (esicinga ukuba konke kuhamba kakuhle, okuqhelekileyo kwenzayo).

Ukusebenzisa idiphozithi ngqo, umqeshi (ngebhanki lomqeshi) udala isicelo sokuthumela imali kwingxelo yomqeshwa. Umqeshi uyaziwa ngokuba nguMsunguli, kwaye ibhanki yomqeshi yiNkcazo yeZiko leMali eDalayo (ODFI). Esi sicelo siya kwi-ACH Operator, yindlu yokucoca efumana izicelo ezininzi kulo lonke usuku, kwaye ziphi iindlela eziya kucela ukuya kwindawo yazo.

Iziko lemali elifumanayo yi-Receiving Depository Financial Institution (RDFI), eliya kuguqula i-akhawunti yomgcini-akhawunti wokugqibela-kwaye umqeshwa ofumana umvuzo kule meko-owaziwa ngokuba nguReceiver.

Iintlobo zeNtengiso

ACH iintengo zivela ezimbini iifom:

• Iifomethi ngqo ziintlawulo kummkeli, njengemvuzo evela kumqeshi wakho okanye inzuzo yeNtlalo yeNtlawulo ehlawulwa kwingxelo yakho yokujonga
• Iintlawulo ezithe ngqo zicela ukutsala imali kwi-akhawunti, enokwenzeka ukuba uhlawula iibhidi zakho zesevisi ngokuzenzekelayo kwi-akhawunti yakho yokujonga

Intsebenzo (okwangoku) ayenzeki ngexesha langempela. Esikhundleni salokho, "ukusetyenziswa kwebhekethi" kusetyenziswa ukwenzela ukuba zonke izicelo zentsuku zonke zihanjiswe ngokukhawuleza. Ngenxa yoko, awuhlawulwa ngokukhawuleza emva kokuba umqeshi wakho agunyaze ukuhlawulwa. Endaweni yoko, ukuthengiselana kuthatha enye okanye ezimbini iintsuku zoshishino ukuba zihambe kwi inkqubo. Kukho izicwangciso zokukhawulezisa iintlawulo ze-ACH, kwaye kukho izizathu zokukholelwa iintlawulo zeentsuku ezifanayo ziya kuba ngenye imini.

Iinzuzo zeNethiwekhi ye-ACH

Kutheni usebenzise iikhomputha zokuqhuba iintlawulo? Yonke imihla ihlawulwa iintlawulo ezininzi. Kwixesha elidlulileyo, ezo ntlawulo zivame ukufakwa ngetshekhi, kunye nokuhlolwa kwephepha kunemiqobo emininzi:

• Kuthatha ixesha lokuba bahambe ngeposi
• Zingalahleka okanye zibiwe ngokuhamba
• Iiphoso zenziwa xa ushicilela isheke kwaye xa ufunda isheke
• Ukuhlola iifayile kuyaphrintwa kalula
• Iintlawulo zokulandelela ozenzileyo ngetekisi zilukhuni
• Akulula nje ukuzenzekelayo ukutshekisha iintlawulo

Ngenethiwekhi ye-ACH, ukuthengiselana kudlulela kwinkqubo kwimihla enye okanye ezimbini zoshishino. Ziyakwazi ukusekwa kanye, kwaye ziphinda inyanga emva kwenyanga. Oku kuthetha ukuba kunamathuba amancinci okungena kweefayile, kwaye kunjalo akukho khangela yokulahleka ngeposi. Akukho mntu kufuneka ahlawule imali yokuposa (nangona iintlawulo ze-ACH zithengisa ngaphezu kweyodwa, zithengwa kakhulu - ngokubanzi ngaphantsi kwesitampu sokuposa).

Abathengi banenzuzo kwiintlawulo ze-ACH kuba banako ukuzenzele iintlawulo xa bekhetha ukwenza njalo. Esikhundleni sokuchitha ixesha ukuhlawula iindleko nganye ngenyanga, unokwenza uhlolisise ukuthengiswa kwe-akhawunti yakho. Ukuba kukho impazamo, umthetho wesigqeba ukhusela wena nje ngokuba usebenza ngokukhawuleza . Zonke iintengiso zifumaneka kwi-Intanethi, kwaye zingeniswa kwi-software yolawulo lomntu oyithandayo.