Ixesha lokufumana uninzi lwebhanki yakho
Ukuvavanya iakhawunti kubaluleke kakhulu kwiakhawunti yakho yemali. Isebenza njengeziko lezondlo zemali yakho kwaye apho ingeniso ingena khona kwaye iindleko ziphuma. Ngokubaluleka kakhulu, kubalulekile ukukhetha i-akhawunti enkulu yokujonga. Kwaye kukho iqela lokukhetha, kubandakanywa nabanikezela ngemali embuyiselo emivuzo, akukho mali ye-ATM kunye nokunye. Ukukunceda ukwenza ukhetho olufanelekileyo, sidibanisa uluhlu lweebhanki ezifanelekileyo ukujonga i-akhawunti, ngoko unokuqinisekisa ukuba ufumana ibhonki yakho engcono.
01 Ngokugqithiseleyo: I-Charles Schwab Bank
I-akhawunti eyona nto ibhetele yokujonga i-akhawunti ayiveli kwibhanki yendabuko, ivela kwinkampani yotyalo-mali. Iingxelo zeBharki Schwab zeBhanki zenzelwe okokuqala ukuba abatshali-zimali beSchwab, kodwa i-akhawunti ibonakala kwiimali eziphantsi, akukho mabhalansi aphantsi kunye nokukwazi ukusebenzisa nayiphi na i-ATM kwihlabathi kungekho mali. Into kuphela le akhawunti ayikuvumeli ukuba uyenze ifake imali.
I-akhawunti ineempawu ezifanayo onokuzilindela kwi-akhawunti yebhanki ye-intanethi, kubandakanywa ukuhlawulwa kwemali ye-free, ukuhanjiswa kwamahhala kwi-akhawunti kwiSwab nakwezinye iibhanki, ikhadi lokukhishwa kwekharityhulam kunye neentengo ezifana nokuhlolwa kwamahhala. Inzuzo enkulu kunazo zonke iATM. I-Schwab ayihlawulanga imali ye-ATM yangaphandle kwaye ibuyisela iiflawulo ezivela kwezinye i-ATM zebhanki ngokuzenzekelayo naphi na emhlabeni. Kubahamba ngamazwe ngamazwe okanye umntu othanda ukusebenzisa ii-ATM kodwa engayithandi imirhumo, le yinzuzo enkulu.
02 I-Best Best Checking: I-Ally Bank
I-Ally Bank inikeza i-akhawunti ephezulu kwi-akhawunti yokujonga i-akhawunti. Kuza kunye nezinto ezinobuncedo ezifana nee-ATM ze-Allpoint zamahhala (43,000+) kunye nokuhlawula i-$ 10 ngomjikelezo wesitatimende kwezinye iifom ze-ATM zebhanki, inkxaso yocingo elula ukuyisebenzisa apho ungafikelela kumntu, ukudluliselwa ngokukhawuleza kubahlobo kunye nosapho kunye noZelle kwaye phakathi kweyona nto ibona ixabiso leakhawunti yeebhanki kwi-intanethi.
Kukho phantse iifayili zeli khawunti kwimisebenzi eqhelekileyo. Unokufumana i-checksheck isheke ngaphandle kwentlawulo. Akukho sikhalazo malunga nalokhu. Into kuphela ongayinakuyenza nge-akhawunti kuphela ye-intanethi idiphoze imali. Kodwa ngenxa yokuba i-2018 kunye neentlawulo zekheshi akuzona zonke eziqhelekileyo kubangaphandle kwinkampani yesevisi, oko akufanele kukugodle.
03 Best Tech Tech: Capital One 360
Ukuba ubuza i-Capital One 360, bathi bayinkampani yethekhnoloji eyenza ibhanki, kungekho ibhanki eyenzekayo iteknoloji. Oku kuthetha ukuba ufumana ezinye zezona zinto zifanelekileyo kunye nezona zixhobo, ngaphandle kweefizi zomsebenzi oqhelekileyo ongenamabhanki amancinci.
I-akhawunti ineama-ATM akhululekile nakwiyiphi i-Capital One okanye i-Allpoint ATM (39,000 kunye nokubala) kunye nenani elincinci lamasebe (elibizwa ngokuba yiitafesi) kwiidolophu ezinkulu. Inkunzi yokuqala yayiyi-bhanki yokuqala ukuba inike idizithi ekude kwi fowuni yakho kwaye iquka iinkonzo ezinamandla nezixhamlayo kunye namava amaninzi e-intanethi. Ibhanki inikeza inqanaba lomncintiswano kumanani ekutshekeni nasekugcineni i-akhawunti.
04 Eyona ndlela ihamba phambili yeCash: Fumana iBhanki
Ufumanisa ukuba uyayaziwa kakhulu ngamakhadi-mboleko, kodwa inika i-akhawunti yokukhangela i-akhawunti ngokukhawuleza. I-akhawunti yokuThengwa kweCashback Ukukhangela ihlawula ipesenti enye imali emva kwe-$ 3,000 ekuthengeni inyanga nganye. Oku kukunika amandla okufumana imali engama-$ 360 ngonyaka ngemali.
Iingxelo ziza neemali ezimbalwa kakhulu, kungabikho mrhumo wenyanga okanye kungekho mfuneko yokulinganisela ibhalansi. Akukho mali yokuhlawula i-bill ye-intanethi, ukufikelela kuma-ATM angama-60,000+, ukukhangela ukulungiswa kwemali, ukutshintshwa kwekhadi yebhanki, ukuhlolwa kwebhanki ezisemthethweni, ukutshintshwa kwe-ACH, iintambo ezingenayo okanye izinto zokupaka zibuyiselwe. Le ngxelo idleko kakhulu kwaye inika ngokuphindaphindiweyo. Okukuphela komgudu omkhulu kukuba ikhadi lebityala lisebenza kwinani elincinci labathengisi lifaniswa nekhadi le-Visa ne-Mastercard.
05 Iimfesane eziMkhosi eziPhambili: i-USAA Federal Savings Bank
I-USAA liziko lemali kuphela lamalungu omkhosi, amaqhawe kunye neentsapho zabo. Ukuba unethamsanqa ngokwaneleyo ukufumana ubulungu (malunga neyodwa kwabaseMerika abakulungeleyo), unokufumana ulwahlulo olubanzi lwexabiso le-inshurensi elithengiweyo kunye neminye imikhiqizo yemali, kubandakanywa ukukhethwa kweakhawunti ezininzi ezininzi.
I-akhawunti yokutshekisha i-flagship i-USAA Imbuyekezo yemivuzo yokuHlola, enika ii-ATM ezingama-60,000 zamahhala, ukukhutshwa kwe-overdraft, ubuncinane bhalansi, akukho ntlawulo yenyanga kunye nokufikelela kwangaphambili kwiifowuni zakho kwiimeko ezithile xa ubeka ngqo kwi-DFAS. Ngaphezulu ufumana yonke into onokuyilindela kwi-bhanki yanamhlanje ngokusebenzisa ibhanki ye-intanethi kunye nomnxeba.
06 Okugqibeleleyo Ukugcina iBhajethi: Kulula
Ilula yiprogram yebhanki kunye nohlahlo lwabiwo-mali. Efunyenwe yi-BBVA (cinga i-Compass Bank) ngo-2014, i-Simple iqhubeka isebenza njengebhanki elimeleyo. Kwaqaliswa ngonyaka ka-2012, okwenza ukuba ungene kwi-shishini. Ayinamagatsha angokwenyama kwaye unikezela zonke iinkonzo ngokusebenzisa i-intanethi ne-mobile banking apps.
Ukunikezela okulula kufumaneka kwi-AAR ye-STAR yenethiwekhi (ii-ATM) ezingama-55,000, iifowuni zetshukumo yeselula kunye nayo yonke into onokuyilindela kwi-banking online. Iimpawu zokuma ziza ngokulondoloza ngokuzenzekelayo kunye nezixhobo zokuhlawula imali, ezigqibeleleyo ukukunceda ukulungisa nokulawula imeko yakho yezemali. Ewe, kwaye akukho mali!
07 I-Best For Millennials: Chime
I-Chime yintsebenziswano yebhanki yokuqala ibhanki eyenza ibhange lakho lilula kwaye kwindawo enye. Akunikezeli iifizi, izicwangciso zokulondoloza ngokuzenzekelayo, ukufikelela kwangaphambili ukuhambisa imali ye-deposit kwezinye iimeko, kwaye ukuhlawuliswa kwe-overdraft, ukugcinwa okanye ukuhlawulwa kwamanye amazwe.
Uhlelo lokusebenza lweselula lukhulu kwaye lulula ukuyisebenzisa kwaye luza nezaziso ezincedo kwaye lufikelele kwingcaciso ebalulekileyo kwiibhotile ezimbini. Unokwazi ukuthumela iphepha lokukhangela ngokusebenzisa iqhosha kwifowuni yefowuni. Ayikho itoni ye-frills enkulu kunye neentsimbi kunye nemisongo. Yonke into isebenza.
08 Amacandelo amaPhepha aPhilile: Tshutshisa
Ukuba inkxalabo yakho enkulu kunxibelelwano olubanzi lwamasebe asebhanki apho ungabonisana nomntu kwi-bank-in person, Chase iphezulu kwipakethi. Nangona i-bhanki yesikolo endala ehlawula iirhafu kwiibhalansi ze-akhawunti ezincinci, phakathi kwezinye iirhafu, ikunika ukufikelela kwelinye lamanethiwekhi amakhulu asebhanki kweli lizwe.
Ukuba ulungile kunye neerhafu eziphantsi-mali kunye nemali ephakamileyo, uya kufumana ukuba i-Chase ibonelela ngokufanelekileyo kumthengi, inika uluhlu olukhulu lweemveliso zebhanki kwaye i-akhawunti yayo yokujonga ingakwazi ukuphatha kakhulu into enokuyiphonsa kuyo, kubandakanywa imali yokufaka imali. Nceda uqaphele ukusebenzisa ikhadi lakho lokubambisa kunoma yiyiphi ibhanki engekho-Chase ukuba unayo i-akhawunti yokuhlola rhoqo, njengoko uya kukhangela ngemali emacaleni amabini.