Gwema i-overdrafts kwaye ujabulele iimali eziphantsi ezi zikhethi
Amakhadi e-debit ahlawulwe ngokutsha ayingxenye enkulu kwiingxelo zebhanki zendabuko. Abaninzi banikela iimpawu ezifanayo njengengxelo yokukhangela - inkokhelo yebhilikhi ye-intanethi, i-positi yeselula kunye ne-deposit ngqo-ngaphandle kwemirhumo ye-overdraft. Zonke idideti zemali ehlawulwe kuqala kwiluhlu lwethu ziza nezixhobo ezintle kunye nezinye izinto, ezinye zize zivumele ukuba wenze ii-akhawunti ezingezantsi kunye namakhadi abo ahlawulwe. Isibalulekileyo kukuhlawula iimrhumo, ngoko unokukhetha ikariti yebhanki ehlawulwa ngokugqithiseleyo eyokunciphisa inani lemirhumo oyihlawulayo.
01 I-Best for Cash Reloads: I-American Express Yenza i-FREE Layisha kwakhona
Nantsi enye inguqu ye-American Express Serve. Le ntlawulo ayiyi kuphinda ilayishe imali, i-perk ukuba kufuneka uyenze imali eninzi yokulayishwa kwakhona kwemali kwinyanga enye. Ukulayishwa kwakhona kwenethiwekhi kunendawo ezingaphezulu kwama-45,000 kwaye kubandakanya iCVS Pharmacy, iDollar General, iDollar Family, iRite Aid, iWalmart, i-7-Eleven kunye nokunye. Akukho mrhumo wokufaka imali kwi-akhawunti yebhanki.
Uya kuba nokufikelela kwirejista ye-bill ye-intanethi yamahhala, ukhuselo lokukhwabanisa kunye ne-deposit yangaphambili. Ikhadi ngokwayo ikhululekile xa uthumela inthanethi okanye i-$ 3.95 xa uthengwa kwindawo yokuthengisa. Kukho imali engama-$ 4.95 yenyanga nganye engenakukhishwa, kodwa ukutshintshwa kwekhadi, izabelo kunye neenkonzo zabathengi zikhululekile. Ukukhishwa kwe-ATM kukhululekile xa usebenzisa ii-ATM ze-MoneyPass. Ngaphandle koko, uya kuhlawula imali engama-2.50 ye-ATM.
02 Best Best for Cash Rewards: I-American Express Yisebenzela iCash Back
Ukuba uceba ukuchitha imali engaphezu kwama-R600 ngenyanga ngenyanga kwikhadi lakho lokubhadela, i-American Express Serve Cash Back ifanele ibe kwi-wallet yakho. Uza kufumana ipesenti enye engapheliyo imali yokubuyisela umvuzo ngamnye xa uthengisa ngekhadi lakho lokubhadela kwaye emva kwe-$ 595 ekuchithweni, uya kuphula imali yemali eyi-$ 5.95. Imali yakho yemali yongezwa kwikhadi lakho emva kokuba uchithe kwaye unako ukuhlawula umvuzo naliphi na ixesha.
Jabulela ngokukhawuleza iifomethi ngqo ngaphandle kwemali eyongeziweyo, ukukhutshwa kwe-ATM ngaphandle kwenethiwekhi, ukukhuselwa kobuqhetseba kunye nokukhuselwa kokuthenga iintsuku ezingama-90 ekuthengeni ukuya kuma-$ 1,000. Imali yokubuyisela imali imele ihluke ngumthengisi kwaye ifike kwi $ 3.95.
03 Eyona ndlela ihamba phambili kwiDisposits ngqo: NetSpend ehlawulwa kuqala
Ukuhlawulelwa ukuya kwiintsuku ezimbini ngokukhawuleza kunye nediphozithi ngqo kwaye ufumane isilumkiso xa imali yakho ikhona. Ungaphinde ulayishe imali kwi-akhawunti yakho usebenzisa idizithi yesheke yefowuni, ulayishe kwakhona kwiindawo ezili-130 000 okanye ufumane imali kubahlobo nakwiintsapho ezixhomekeke kumakhadi.
Landa i-App ye-Mobile yeselula ukulawula i-akhawunti yakho ye-Netspend, ufumane imali ngokuthenga kwakho ngokusekelwe kwimikhuba yakho yokuchitha imali kwaye ufumane ibhonasi eyongeziweyo kwibhalansi yakho xa umhlobo ebhalisela iKhadi le-Netsum.
I-Netspend Ikhadi elihlawulwayo liza kunye neempawu ezimbalwa zezokhuseleko. Unokwenza inombolo yekhadi yesikhashana ukuyisebenzisa kwiintengiso ze-intanethi. Ngaloo ndlela, inombolo yakho yekhadi yangempela ayiyi kubonakaliswa kukuphulaphulwa kwedatha okanye ukudibanisa. Iimali zakho zinokukhuselwa nokuthengwa kobuqhetseba xa ukwazisa i-Netsume kwangoko.
Unokukhetha kwiiplani ezintathu ezinezakhiwo ezahlukileyo zeemali kuxhomekeke kwimikhwa yakho yokupaka. I-Pay-As-You-Go isicwangciso esilungileyo, esingahlawulanga ntlawulo yenyanga, kodwa i-$ 1 nganye yokuthengisayina kunye ne-$ 2 kwintsebenzo nganye ye-PIN. Isicwangciso seNkulumbuso yeNzuzo yeNzuzo yiyona nto ibaluleke kakhulu ukuba unayo idiphozithi ngqo kwi-$ 500 okanye ngaphezulu. Uya kuhlawula i-$ 5 ngenyanga kwaye ukuthengiselana kufakwe kwisicwangciso.
04 Best for Chase Bank Abathengi: Chase Card Liquid
I-Chase ye-Chase ye-Liquid ehlawulwe ngokukhawuleza iindleko ezincinci kunye neemali ze-FDIC ziqinisekisiwe ukuya kwisixa esiphezulu esivunyelwe ngumthetho, kodwa ikhadi lifumaneka kuphela kuma-23 aseburhulumenteni ngamasebe eBhanki aseChase. Akukho mrhumo wokuvula i-akhawunti, kodwa kufuneka ungene ngaphakathi kweofisi yesebe ukuze wenze njalo. Uyakuphepha kwakhona imali eninzi yokuthengisa ngokusebenzisa i-ATM ye-Chase ukulayisha imali kwikhadi lakho okanye ukurhoxisa imali kwi-akhawunti yakho. Nangona kunjalo, umrhumo we-2.50 wemali uhlawuliswa xa usebenzisa i-ATM engeyiyo yokuchithwa.
Kukho umrhumo wenyanga wama-4.95, kodwa akukho mali yokungasebenzi kunye nokutshintsha kwekhadi lamahhala ngamakhadi alahlekileyo okanye abiwe. Imali yenyanga iyakususwa ngokuxhuma ikhadi lakho kwi-akhawunti efanelekileyo yokujonga i-akhawunti.
05 Eyona bhetele yohlahlo lwabiwo-mali: i-Akimbo i-MasterCard eyayiKhokhelwa
I-Akimbo ikuvumela ukuba wenze ikhadi elikhethiweyo elikhethiweyo kwiinjongo zakho zohlahlo lwabiwo-mali kwaye unako ukulawula ikhadi ngalinye ukusuka kwinkqubo ye-Akimbo. Ikhadi lokuqala le-akhawunti likhululekile kwaye nganye emva koko yi-$ 4.95 (ixesha elilodwa kuphela). Unokwenza ulungelelaniso lwamaviki ngokuzenzekelayo ngeendleko eziphindaphindiweyo. Unokukhubaza kwaye unike amandla amakhadi nganoma naliphi ixesha ukusuka ngaphakathi kwiprogram, kunye nokufumana ukulungiswa kwimiyalezo emva kokuthengiselana.
Akukho bhaliso okanye intlawulo yenyanga. Ngaphezu koko, akukho mrhumo wokuthengisela ukuthengwa kwetyikityo, kodwa uya kuhlawula i-$ .99 kwintengiso nganye yokuthengwa kwe-PIN. Ukurhoxiswa kwemali e-ATM ihlawuliswa i-$ 1.98 yerhafu nganye kunye nemibuzo yokulinganisela i-ATM ihlawuliswa i $ .33 nganye. Ukuba i-akhawunti yakho ilele iinyanga ezili-12, uza kuhlawula imali eyi-5.95 yemali yedormancy eqala ngenyanga ye-13.
06 I-Best Walmart Shoppers: I-Walmart MoneyCard Visa kunye nemivuzo yokuhlawula imali
Nge-Walmart MoneyCard Visa Card, abathengi beWalmart banokuzonwabisa ngeentengo zeemali ezintathu kwi-Walmart.com kunye neepesenti enye ukubuyisela imali kwiivenkile zeWalmart, kunye neepesenti ezimbini zemali ekuthengeni kwi-Murphy USA kunye ne-Walmart izikhululo zamanzi. Ukuhlawulwa kwakhona kwekheshi kufakwe kwi-$ 75 kwimbuyekezo ngonyaka.
Ikhadi liza nepositi ehamba ngqo, idizithi yeselula, kunye ne-intlawulo ye-bill ye-intanethi. Umrhumo wenyanga wama-5 wenyanga uyaxoswa nje kuphela xa ulayisha i-$ 1,000 okanye ngaphezulu kwikhadi lakho kwinyanga edlulileyo. Phinda ulayishe iirhafu zifike kwi $ 4.95 kuxhomekeke kwindlela yokulayisha kwakhona kunye nendawo. Ukurhoxiswa kwe-ATM kuhlawuliswa i-$ 2.50 ngemali yokuthengiselana kunye nemibuzo yokulinganisela i-ATM i $ 0.50 nganye.
07 I-Best for Kids: FamZoo Card Debit Card
Ukufundisa abantwana ukulawula imali kunokuba nzima kuneminyaka yobude bemakhadi kunye namatyala. I-FamZoo yenza kube lula kubazali ukuba bafundise abantwana indlela yokulawula imali ye-elektroniki ngemingcipheko encinci yemirhumo kunokuba i-akhawunti yenkcazo yemveli.
Ngekhadi le-FamZoo ehlawulwa ngaphambili, unokwenza iindidi zabazali kunye nabantwana ngamakhadi anqanda ukufikelela kunye nokusebenza. Ungadlulisela imali phakathi kwamakhadi uze udale ukudluliselwa okuphindaphindiweyo ukusuka kwikhadi elinye ukuya kwelinye, uthethe ngesibonelelo seveki okanye ngenyanga. Kukhona umbandela wokubopha imisebenzi kunye nemisebenzi ukufumana umvuzo okanye izigwebo kunye nabazali banokukukhiya nokuvula amakhadi ekukhuseleni ukukhwabanisa okanye ukulawula ukufikelela kwamakhadi.
Ukubhaliselwa kwe-FamZoo ehlawulwayo kukuvumela ukuba ulandele kwaye usebenzise i-ezine ze-FamZoo amakhadi ahlawulwe ngokukhawuleza ukuba ukuthenga kwakho kusebenza. Unokwenza umyalelo wamakhadi ezongezelelweyo ngemali yexesha elilodwa ye-$ 2 nganye. Ukubhaliselwa kwenyanga rhoqo yi-$ 5.99 ngenyanga ngenyanga yentsapho kunye ne-$ 60 kwiminyaka emibini ukuba uhlawula kuqala.
Akukho mali yokulayisha kwakhona idiphozithi ngqo. I-FamZoo ayifaki ukuhlawula imali yokubuyisela imali kwakhona, kodwa abanye ababoneleli bangahlawulisa intlawulo. Ukutshintshwa phakathi kwamakhadi akhululekile kwaye kwangoko. Musa ukuhlawula iirhafu ngokuthenga okanye nge-ATM yenethiwekhi.