Indlela entsha (yeNtlalontle) Indlela yokukhusela i-Overdraft Protection
Nangona iibhanki ezininzi ziphakamisa iimrhumo kwezinye iindawo zokujongana nemithetho esanda kuphunyezwa ngokumalunga nee-overdraft, i-Huntington Bank ithathe indlela evuselelayo.
Ixesha leeNyanga ezingama-24 ze-Grace kwi-Overdrafts
I-Bank yaseHuntington iqokelele intsha inkonzo, inikezela abathengi indawo yokukhusela i-overdraft yamahhala kula maxesha xa ixesha elixakekileyo lokuphila liphumela kwi-overdraft engalindelekanga. Le nxalenye ikhusela i-akhawunti yakho yokukhangela kwiimali ezingaphezulu kwee-overdraft ngosuku olunye lweshishini xa kwenzeka i-overdraft.
Inkonzo, ebizwa ngokuba yi-Grace Hour, idinga i-akhawunti yokujonga kunye ne-Huntington Bank. Abathengi abakhoyo bangabhalisa kwi-Intanethi. Inkqubo ekhutshwe kutshanje, i-24 i-Grace Grace inika umthengi iiyure ezingama-24 ukwenza idiphozithi kwaye igweme imali ephezulu. Ngethuba nje ukuba idiphozithi yenziwe ngeyure ezingama-24 - ngokuqhelekileyo ngosuku olulandelayo lomsebenzi - emva kwe-overdraft, imali ayiyi kuvela.
Ziziphi iimveliso ezifanele ziyazi
Le nkonzo entsha isesezigaba zokuqala.
Okwangoku, abathengi baya kubeka iliso kwiakhawunti zabo ukuba bazi xa bekhishwa i-akhawunti zabo. Kungabonakala ngathi iphoso ngoku, ngamaxesha amaninzi abathengi abayibeki i-akhawunti zabo ngenxa yokungabikho kwexesha (okanye ezinye izizathu), okubangela ukuba i-overdrafts kuqala. Ekugqibeleni, inkonzo iya kubandakanya i-imeyile kunye nezilumkiso zetekisi eziya kubavumela ukuba abathengi bazikhuphe i-akhawunti yabo banike ithuba lokufaka idiphozithi.
Abathengi kufuneka benze idiphozithi efihla iindleko zemali engaphezulu kunye nezinye iindleko eziza kubakho i-akhawunti (njengeentlawulo ezizenzekelayo okanye iintengiso ezenzileyo ngelo xesha) ukukhuselwa kwe-overdraft ukukhaba.
Inkonzo yamahhala ukukhuthaza ukuthembeka kwabathengi
Le nkonzo yamahhala kubathengi bebhanki ibancedisa abantu ukuba bajongane nemiba ethile yemali ngenxa yokuba ukuxakisha kwezoqoqosho kuye kwachaphazela iintsapho ezininzi. Kwakhona kuhamba ukuthengiswa kwe-smart Huntington Bank. Abantu babonakala bebeka ingqalelo ngakumbi kwiimali zabo ngenxa yezimo zoqoqosho zangoku, kodwa i-overdrafts iyakwenzeka. Ukulibala ukwenza idiphozithi, ibhajethi engalindelekanga okanye iindleko-ngamanye amaxesha ukukhishwa kwe-overdrafts kusenokwenzeka.
Ngokunika abathengi ithuba elifanelekileyo lobabalo lweeyure ezingama-24 zokucima i-overdraft, indlela kaHuntington ibonisa abathengi bebhanki ezama ukusebenzisana nabo kunokuba balwe nabo. Imirhumo isenokumiselwa ukuba i-overdraft ayinakucinywa kwixesha lee-24 lomusa. Kodwa ngokubanzi, ukuvuma ukuba abathengi bafuna ibhanki elungileyo kunokuba bathengwe, iifayili zibonakala ngathi zihamba phambili kwinxalenye kaHuntington.
Ibhanki iqikelela ukuba iya kulahlekelwa yimali kwi-million yezigidigidi zeedola ngokukhupha le nkqubo.
Ngoko ke kukuphi kubo? Ukugcinwa kwamakhasimende okuphuculweyo, kwaye, i-bhanki ithemba, ukhange abathengi banxinwe ngokuba yi-nickel kwaye bahlaselwa ngamanye amaziko emali.