Isiseko seNkunzi eyodwa 360
Inkunzi eyodwa 360 ibhanki eqinile kwi-intanethi . Iirhafu ebhankini zibhetele kangcono kunokuba uzakufumana kwi-brick-and-mortar bank okanye umanyano wekhredithi .
Mhlawumbi awuzukufumana amaxabiso angcono kwi-Capital One 360, kodwa uya kufumana amazinga okukhuphisana, kwaye ukhuphiswano luhlala luhle ngokwaneleyo. Ukuba unamathani emali ehlezi ngemali kwaye kuxabiseke ukuba ufumane i-AP5 eyongezelelweyo engu-0.05%, mhlawumbi kulungele ixesha lakho ukukhangela ibhanki ye-intanethi ekhuphisanayo. Kodwa kuninzi lwethu, iCaptial One 360 yiakhawunti eyaneleyo.
Kwabo abachaphazelekayo ngokugcina imali ekhuselekileyo, i-Capital One 360 akhawunti i- FDIC insured .
I-Captial One 360 Savings
I- akhawunti yokugcina eyisiseko mhlawumbi iyakhangelwa kwi-Capital One 360. Yingxelo ehlawula ukubuyiswa okulungileyo kwaye akukho ncinane kwaye akukho mali yenyanga. IiRhafu zitshintsha rhoqo, ngoko ke kufuneka uhlole i-website yazo ukuya kuma-minute ukuya kwii-minute, kodwa unokulindela ukufumana okungaphezulu kunokuba uza kufumana nayiphi na ibhanki enkulu.
Ukuxhaswa i-akhawunti, kufuneka udibanise kwi-akhawunti yokukhangela kwi- brick yakho.
Xa uvula i-akhawunti, uya kuthumela isheke kwenkxaso-mali yokuqala, kwaye i-Capital One izakukhupha ulwazi lwakho lwebhanki kweso sheke (ulwazi lwakho lwebhanki lufumaneka phantsi kwetshekishe yakho ). Xa ikhonkco iqulunqwe, ungadlulisela imali ngaphaya kwe-Capital One 360 kunye nebhanki yakho kunye ne-banker.
Nangona kunjalo, qaphela ukuba unokwenza u-6 ukuhoxiswa ngenyanga nganye kwi-akhawunti (enye injalo nakwezinye i-akhawunti zokulondoloza) - ukuba ufuna ukuhoxisa kaninzi, cinga ukusebenzisa i-akhawunti yokujonga.
Inkunzi eyodwa 360 Ukuhlola
Ukuba ufuna ukufikelela okungakumbi kwimali yakho (kodwa ufuna ukuba ufumane inzala encinane xa uhlezi ebhankini), ungasebenzisa i-Capital One 360 ukujonga i-akhawunti . Kwakhona, i-akhawunti ayikho iifizi okanye ubuncinci - kodwa uza kuhlawula iifizi ukuba unokwenza izinto ezithile (njengokukhawuleza isheke). Iinkalo ezongezelelweyo zeakhawunti yokujonga ziquka:
- Ikhono lokubhala iireki (ukuhlolwa kufuneka kulandiswe kwi-Capital One)
- Ikhadi le-ATM / debit ye-Free
- Ukuhlawula kwerhafu ye-intanethi
- Isitoreji esikude esisekhompyutheni usebenzisa idivayisi yeselula okanye i-scanner
- Umgca we-creditreji (omele uzame ukuwusebenzisa, kodwa ungabizi ngaphaya kwezinye iindlela zokukhuselwa kwe-overdraft )
- Umntu WamahhalaUkuhlawula kwaMntu ukuze uhlawule abahlobo nabanye abantu
- Ikhono lokusebenzisa amagatsha ase-Capital One Bank ngokufaka idiphozi kunye nokuhoxiswa (Julayi 2015)
Ezi mpawu zifana kakhulu ne- ING Direct ezinikezwa kwi-akhawunti ye- Orange Orange . Uhlobo oluphambili kukuba unokwenza ikhonkco elikude kunye nefowuni yakho okanye ikhomputha, kunye nomntu we-Person2Person uphinde utsha.
Qaphela ukuba xa ushiya i-Orange Orange, usenokuqhubeka usebenzisa ezo zihlolwe emva kokuba igama liguqule.
I-Akhawunti yokuShishino
Njengomntu omdala we- Orange kwi-akhawunti yeBhishini, i-Capital One 360 inikezela nge-akhawunti yokulondoloza i-intanethi kumashishini. Kwakhona, akukho mali okanye ubuncinci bokusebenzisa le akhawunti. Nangona kunjalo, kuya kufuneka unikezele ngeefom ezongezelelweyo ukuseta i-akhawunti egameni lakho shishini. Ngelishwa, i-akhawunti yokulondoloza ishishini ayihlawuli ngokubanzi njengeakhawunti yebhanki ye-intanethi .
IiAkhawunti zokuSindisa zabantwana
I-Capital One 360 inikezela nge- akhawunti yokulondoloza abantwana ababizwa ngokuba yi-Akhawunti ye-Kids Savings. Ngaphandle kwemali okanye ubuncinci, loo akhawunti ikuvumela wena nomntwana ukuba ugcine imali egameni lomntwana. Wena (omdala) akumele ube ngumzali - unokulawula i-akhawunti kunoma yimuphi umntwana.
Umntwana uya kuba neenkcukacha zokungena ngemvume eziyingqayizivele, ukuze bakwazi ukubona i-akhawunti yabo, kodwa kungekhona iakhawunti yakho. Abantu abadala balawula ukubeka idiphozi kunye nokurhoxiswa kude kube ngumntwana oneminyaka eyi-18 kwaye i-akhawunti iguqulwa kwi-Akhawunti ye-Savings 360. I-Akhawunti ye-Kids Savings yindlela ephakamileyo yokufundisa abantwana ngemali ukususela kumncinane.
Iziqinisekiso zeDistim (iiCD)
Ukuba ufuna ukufumana okungaphezulu kunokuba ungene kwi- Akhawunti ye-Savings ye- 360, ungasebenzisa ii-CD ukuze uhlawule imbuyekezo yakho. Iimpawu zeCD zivela kwiinyanga ezi-6 ukuya kwiminyaka emi-5, ngoko unokufumana ixesha elithile elihambelana neemfuno zakho. Ewe, ukuba uyayikhupha imali yakho kusasa, uza kufuneka uhlawule isohlwayo sokuthoma . KwiNkunzi ye-One 360, kunokwenzeka ukuba isohlwayo sidlule umdla owawuzuzile, ngoko "unokuhlasela inqununu."
Ezinye iiBhanki zeMveliso
Ukongeza kwiiakhawunti ezingentla, i-Capital One 360 inikeza iintlobo ezininzi zeemali-mboleko zasekhaya. Ukuba uthengisa okanye uhlaziywa ikhaya , ungasebenzisa isilinganisi esilinganiselweyo okanye uhlawulelo lwezinga lokuboleka imali . Unokufumana nje imigca yeebhanki ngeendlela ezahlukeneyo zokubuyisela.