Ngokukhawuleza kwaye kulula
- Ukufumana imali ekhoyo yokuchitha kwi-akhawunti yakho
- Ukufumana ibhola yokuqhawula ukuqokelela imali kwikhangeli ngokukhawuleza
Indlela ekhawulezayo yokufaka isheke kwaye ineemali ezikhoyo ukuba wenze idiphozithi kumntu kunye nomqeshwa webhanki.
Ininzi yemigaqo-nkqubo yokufumaneka kwemali ivumela ibhanki ixesha elongezelelweyo xa ufaka kwi-ATM okanye kwisixhobo sakho sesefowuni. Kodwa oko kudinga uhambo ukuya kwisebe ngexesha leebhanki.
Ukuba usebenzisa i-credit union, loo nto ingaba lula kunokuba ucinge ukuba: i-branching ekwabelwanayo ikuvumela ukuba wenze idipozithi kumawaka angama-shishini lonke (kodwa umgaqo-nkqubo wokufumaneka kwemali ungenako ukuphakela xa usebenzisa i-shared shared branch). Ukuba awukwazi ukuyenza kwisebe, zakho iindlela ezilandelayo ezifanelekileyo zizakusebenzisa i-positi yesitokethi yesitokethi okanye wenze idiphozithi kwi-ATM. Iinjongo eziphambili zezo ndlela:
- Unako ukwenza iifomethi 24/7
- Unokufumana ixesha elide lokunqunyulwa emva kwexesha kunokuba ungene kwisebe, ngoko iwashi iqala ukukhawuleza nakweyiphi na inayo namhlanje
Izinzuzo zeSelula zijonga iiDiskithi
- Ukuzonwabisa: ufike uhlale ekhaya (okanye naphi na apho ukhona) kwaye ubeke isheke sakho. Awudingi ukwenza uhambo ukuya kwisebe okanye ukutyelela i-ATM enokuthi-okanye mhlawumbi ingabi nayo-isebenze ngokufanelekileyo. Izithuthi kunye nokupaka akuyiyo imbambano, kwaye akukho lindelo kumgca ukuba wonke umntu uhleli kwishedyuli enye. Ukuba kukho into engasebenzi kakuhle, mhlawumbi idivayisi yakho, kwaye akuyi kuba yinto emangalisayo kuwe. Akukho mnandi obonakalisa ebhankini, ulindele ukujonga i-errand kwiphakamiso lwakho, kwaye ufumana uphawu lwe "Out of Order".
- Ukuchaneka: nge-deposit kude, yenza konke ukungena kwedatha (okanye ubuncinane uqinisekise). Akudingeki ukuba uthembele kwizakhono zobume be-ATM. Ukuba kukho iphoso naphi na umgca, usenayo isheke, kwaye unokuyifumana kwiofisi kwaye ulungise nayiphi na ingxaki ngokulula. Ngediphozithi ye-ATM, ulahlekelwa ukulawula isheke-kwaye ingadliwa, iwonakalise, okanye ichithelwa yi-ATM.
- Ukukhawuleza: inkqubo yokumisa iyakhawuleza, kodwa unokufumana ngokukhawuleza kangakanani imali yakho? Kuxhomekeke kwibhanki yakho. Amabhanki ngokubanzi enza inxalenye encinci yedizithi yakho ifumaneka ngokukhawuleza. Zonke iibhanki zihlukile, kodwa kubonakala ngathi ufumana ukufikelela ngaphezulu kwemali yakho xa usebenzisa idiphothi yeselula (ingakumbi ukuba usebenzisa isevisi rhoqo, ixesha elingaphezulu kwexesha elide). Amabhanki enza umfanekiso wesitoreji wakho wokuhlola, kunjalo ke ugcina nje isinyathelo. Ngediphozithi ye-ATM, ngakolunye uhlangothi, umntu unokufuna ukuqokelela iitsheki aze adibanise. I-ATM eziphambili kakhulu zenza umfanekiso wesheke lakho ngokukhawuleza, kwaye ezo zi-ATM ezona zichanekileyo zokufaka isheke.
Ukuqinisekiswa kubonakala kukuza ngokukhawuleza kunye neendawo ezikude. Uza kufumana i-imeyile ngokukhawuleza xa "udibanisa" isheke (ufumana ubungqina obuvela kwi-ATM), kwaye kufuneka ubone i-imeyile kungekudala emva kokukuxelela ukuba idizithi yakho yamkelwe. Xa ufaka kwi-ATM, kunokuba iintsuku ezimbalwa ngaphambi kokuba umntu asuse iitsheki kumatshini aze asebenze.
Iingeniso zee-ATM
Kuze kube ngoku, idiphothi ekude ivakalisa kakuhle. Nangona kunjalo, kunokubakho iimeko apho ukugcinwa kwi-ATM kulungile.
- Ukuhlawula imali: ukuba ufuna imali (kwaye ungenayo loo mali kwi-akhawunti yakho kakade), unokukwazi ukufumana imali ngokukhawuleza emva kokufakwa kwi-ATM. Nangona kunjalo, mhlawumbi unokufikelela kuphela kwi $ 200 yokuqala okanye njalo. Inqubomgomo yakho yokufumana imali yebhanki iya kuchaza xa unokusebenzisa imali yakho. Nangona kunjalo, usujongene naloo mali ukuba i-check is bounces, kwaye kunokuthatha iiveki eziliqela ukufumanisa ngetekisi elibi .
- Iifomiti ezininzi: ukuba idiphozithi ayibalulekile kwimali yakho (awuyidingi imali ngokukhawuleza, kwaye awuyikufaka iitshekhi ezinkulu ezinzima ukutshintsha indawo), kunokuthi kube lula ukusebenzisa i-ATM. Amanye ama-ATM athatha nje imvulophu ezele iireki kunye nesimboli sokupaka , esiza kuqhutyelwa ngabasebenzi basebhanki kamva. Ngomdaka odeleyo, ngakolunye uhlangothi, kufuneka uthabe umfanekiso ngamnye, thayipha kwisixa, qinisekisa indlela yokuhamba kunye ne-akhawunti , kunye nokunye. Nangona kunjalo, ukuba i-ATM idinga ukuba ufake isheke nganye ngabanye kwaye uqinisekise yonke into, kunokuba lula ukwenza konke okusemakhaya.