I-CDARS imele iSatifikethi se-Akhawunti yeRejista yeRejista. I-CDARS yinkqubo evumela ukuba usasaze imali phakathi kweebhanki ezahlukeneyo, ngokuqhelekileyo ukuba uhlale phantsi kwe-inshurensi ye-FDIC kwinqanaba lebhanki. I-CDARS yindlela yokuba nomnye umntu abe ngumngcipheko wokungaphumeleli kwebhanki kuwe.
FDIC Imida
I-inshurensi ye-FDIC yinkqubo exhasa inkxaso karhulumente ekhusela iibhanki zakho zebhanki . Nangona kunjalo, kukho umda ophezulu wama dollar wama-250,000 kwi-depositor.
Kubantu abaninzi, oku kuninzi, kodwa abanye abantu kunye nemibutho bafuna ukugcina ngaphezulu kwama-250,000 kwiibhanki.
Ukuba unomlinganiselo ongaphezulu kwesigxina, unokhetho oluninzi:
- Thatha umngcipheko ukuba ibhanki yakho iya kuphelelwa kwaye ithemba ukuba iifomiti zakho ezingagqithwanga ziza kulahleka
- Yandisa imali phakathi kweebhanki ezininzi ze-FDIC ukuze uhlale ngaphantsi komda kwiziko ngalinye
Inketho yokuqala ayingozi kakhulu kubantu abaninzi, kwaye inketho yesibini ingaba nzima kwaye idle ixesha.
I-CDARS ikuvumela ukuba usasaze imali yakho kwiibhanki ezahlukeneyo ngaphandle kokwenza konke okusemthethweni. Imali inotyaliwe kwiziqinisekiso zediphozithi (iiCD) ukusuka kwinyanga enye ukuya kwiminyaka emihlanu.
Ukusebenzisa iiCDARS
Ibhanki ethatha inxaxheba: ukusebenzisa i-CDARS, kuya kufuneka uqale ngebhanki ethatha inxaxheba kwiprogram ye-CDARS. Iibhanki ezininzi ziyinxalenye yentanethi, kwaye usenokuba nolwalamano nolunye lweebhanki.
Iimali ze -deposits : yenza idizithi kwiprogram ye-CDARS ebhankini yakho. Uzakufuna ukusebenzisa iSivumelwano seNgcaciso sokuPhathwa kweDisethi ekhethekileyo kwiCDARS. Ibhanki yakho iya kukwahlula imali phakathi kwamanye amabhanki amalungu, ukugcina imali kwiziko ngalinye ngaphantsi komda we-inshurensi ye-FDIC.
Ukulandelela imali yakho: I- CDARS idumisa ukuba le nkqubo inika ingxelo enye.
Esikhundleni sokugcina ii-akhawunti ezininzi kwiibhanki ezininzi (ngeenkcukacha ezininzi kunye nezitatimenti zonyaka), uya kufumana yonke into kwisitatimende esihlanganisiweyo.
Ingaba ibiza malini? Njengomthengi, awuyi kuhlawula imali ngqo kwiNkonzo ye-CDARS. Ibhanki yakho ihlawula ukuthatha inxaxheba, ngoko uya kuhlawula nayiphi na imali ehlawulwa ngokutsha ebhankini yakho. Ekugqibeleni, uhlawula inkonzo ngefom yeCD ( i-APY ) enokuba yinto ephantsi kunokuba ungayifumana xa uthengela amaxabiso aphezulu. Oko ufumana ngokubuyisela yindlela elula yokugcina imali yakho iphephile.
I-CDARS ikhuselekile? I-CDARS yinkonzo esemthethweni eye yabakho ukususela ngo-2003. Imali yakho ikhuselekile njengoko ingaba yiphina iziko le-insured-FDIC-kuba imali ihlala kwiibhanki (i-CDARS ayifumani nayiphi na imali). I-CDARS idalwe ngabaphathi bezezimali zangaphambili kwaye iqhutywa yi-Promontory Interfinancial Network, LLC.
UkuLungiswa koLuntu
Ukuba awufuni ukusebenzisa i-CDARS ngesizathu esithile, unokusasaza imali yakho phakathi kweebhanki ezahlukeneyo ze-FDIC. Kukho ubuncinane iindlela ezimbini zokukhupha oku:
- Vula i-akhawunti nganye: yiya kwibhankini nganye (okanye kwiwebhsayithi nganye yebhanki) kwaye uvule i-akhawunti. Qinisekisa ukugcina i-asethi yakho kwiziko ngalinye elingaphantsi kwama-250,000 amawaka ngamaxesha onke - ngoko ungafaki i-$ 250,000 epheleleyo ngenxa yokuba umdla owufumanayo uya kufaka i-akhawunti yakho ngaphezu komda.
- Ii-CD ezixubileyo: Enye indlela yokusebenzisa iiCD ezinqamlekileyo kwiakhawunti enye. Uyakujamelana nezinye iingxaki xa uhamba kule ndlela, kodwa unako ukugcina yonke into kwisitatimende esisodwa (njengokuba unakho ngeCDARS).
Ukuba wenza yonke into, qiniseka ukuba iibhanki ozisebenzisayo ziqinisekisiwe nge-FDIC. Hlola kwiziko ngalinye kwi-FDIC.gov. Unokufumana ukhuselo olufanayo nolwaseburhulumenteni kwiimanyano zamatyala. Intshuwalense ye-NCUSIF, efana ne-inshurensi yakwa-FDIC, ilawulwa yiNational Union Union Association. Ukuqinisekisa ubungqina, tyelela iNCUA.gov.