Yintoni ongayijonga ngaphambi kokuba uvule i-akhawunti
Imali ephantsi
Enye yezinto ezibaluleke kakhulu kwiakhawunti yakho yebhanki elandelayo kufuneka ibe yintlawulo ehlawuliswayo-ngokufanelekileyo ngaphandle kwemali.
Iibhanki zebhanki zithintela ngokukhawuleza nayiphi na inzala oyifumanayo kwiakhawunti yakho, kwaye iindleko zokugcinwa kwenyanga zenzeke ngokuzenzekelayo kwindlela yokubamba phambi kokuba ube nethuba lokusebenzisa i- akhawunti yakho.
Ukukhangela kwamahhala akufi. Ukufumana i-akhawunti engenakho imali-mali ilula kakhulu xa uvulelekile kwiibhanki kwi-intanethi , kodwa kufuneka ufumane ukukhangela kwamahhala kumaziko ezitena kunye namadaka kwiindawo ezininzi. Izinyunyana zemboleko, ngokukodwa, zisoloko zikhethiweyo ezifanelekileyo zokujonga ukukhululeka , kunye neebhanki zendawo zendawo zifanelekile ukuhlola.
Iintlawulo zeeNkcitho
Ukuba awukwazi ukufumana iakhawunti epheleleyo, ulungele inkonzo yenkonzo yinto elandelayo. Uninzi lweebhanki kunye neemanyano zeentengo zemali ezihlawulisa iindleko zondlovu zibonelela ngeendlela zokudibanisa ezo ntlawulo: ukuba uhlangabezana nemigangatho ethile, umrhumo uya kukhishwa. Umzekelo, ukuba ubeka idiphozithi ngqo kunye nomqeshi wakho okanye ugcine inani elithile kwi-akhawunti yakho, uya kuphepha iindleko zokugcinwa kwenyanga .
Izinketho ze-Overdraft kunye neeNgxowa ezinganeleyo
Ezinye iirhafu ziza ngokuzenzekelayo nge-akhawunti yakho, kwaye ezinye ziphumo zentengiso kwiakhawunti yakho. Ukukhuselwa kwe-Overdraft yinkonzo enokuzikhethela ongayongeza kwi-akhawunti yakho, kodwa mhlawumbi yinto engalunganga ukuba uya kusebenzisa inkonzo: iibhanki zihlala zihlawula malunga ne-$ 35 ukuze ube nelungelo lokusebenzisa ikhadi lakho lokubambisa ukuthenga into xa uhlola akhawunti ayinalutho.
Oko kwathiwa, ngamanye amaxesha uya kugqiba ukuhlawula imali engenayo imali- nangona ukhethe ukukhuselwa kwe-overdraft (ukuphuma ngaphandle kuthintela kuphela ukuthengiswa kwekhadi lomsebenzi wexesha elilodwa). Ezi ntlawulo zimbi nje ngokuba zihlawuliswe iindleko ze-overdraft. Ukuba uyazihlawulela, kufuneka ufumane ukuba ibhanki yakho inesisombululo esithengiyo. Unokwazi ukusetha ukudluliselwa kwi-akhawunti yakho yokugcina (mhlawumbi ixabisa i-$ 10 okanye njalo) okanye i-creditdraw line line .
KwiDisposithi yeselula
Ibhanki nganye ine-website evumela ukuba ukhangele iibhalansi zeakhawunti yakho kwaye uhambise imali phakathi kwe-akhawunti. Uninzi lweebhanki lunika iinkonzo kunye neewebhusayithi eziphathekayo ezilungiselelwe ifowuni okanye ithebhulethi yakho (kwaye ezo zinhlelo zonke zenza ngaphezulu okanye ngaphantsi into efanayo). Ngoko ke kufuneka ujonge ntoni kwi-app yakho yebhanki?
Ngethuba lebhanki ye-intanethi, kukho iimeko ezimbalwa apho kufuneka uhambe khona kwisebe (oko kuthetha ukusebenzisana neendlela, imigca, kunye neeyure zebhanki). Ukushiya isheke ngenye yeemeko-ufuna ukukhangela i-akhawunti yakho ngokukhuselekileyo kwaye ngokukhawuleza.
Ngethamsanqa, ungaphinda udibanise ukuhlola ngokuthumela umfanekiso kwibhanki yakho-akukho mxeleli ofunekayo. Inkonzo ngokuqhelekileyo ikhululekile, kwaye usenokukwazi ukufumana idiphozithi kwi-akhawunti yakho emva kweeyure zesiqhelo eziqhelekileyo.
Phantse nayiphina ifowuni ephathekayo enekhamera iya kwenza inkohliso, kodwa ingcinga efanelekileyo ukuqinisekisa ukuba ibhanki yakho inesicelo sakho kwisixhobo.
Awukwazi ukufumana iikopi ezininzi, kodwa xa wenza okulungileyo akufanele uhambele isebe lasebhanki. Iirekhi zisasetyenziselwa ukubaluleka (ngokuphindaphindiweyo-dollar) xa ubomi bakho buguqukayo: umsebenzi omtsha, indlu entsha, njalo njalo. Ifowuni isheke idiphozithi yenza loo nto iguqulwe lula.
Njengomgijimi-ngokukodwa xa kufuneka ngezinye ixesha ufune ukufaka imali-ungakhetha i-bhanki enee- ATM ezininzi zendawo ezamkelayo idizithi .
Ukutshintshwa kwe-Intanethi kunye neBill uhlawule
Imali yikhompyutha. Qinisekisa ukuba unokusebenzisa ngokunjalo loo nto.
Kwinqanaba elincinci, ibhanki yakho kufuneka inikeze umrhumo werhafu we-intanethi mahhala . Udinga ukukwazi ukumisela iintlawulo kwiiphina, naliphi na ixesha (nokuba iibhanki zakho ziprinta kwaye i-imeyile isheke okanye ithumela imali nge-ACH).
Enye into ebalulekileyo yikhono lokudlulisela imali kwenye i-akhawunti yebhanki. Unako ukugcina ii-akhawunti kwiibhanki ezahlukeneyo, nganye isebenzela injongo eyahlukileyo: enye ibhanki inakho ukuhlawula i-APY ephakamileyo ekulondolozeni kwaye enye inokunikela ngenethiwekhi ye-ATM. Ukuhamba ngemali ngokuzenzekelayo-okanye nokuba usebenze kunye nokuhlola-kunzima, kwaye ukutshintshwa kwentambo kubiza kakhulu ukusetyenziswa kwansuku zonke. Khetha i-bhanki evumela ukutshintshwa kwebhanki kwi-bhanki ukuze ukwazi ukuhambisa imali kunye neefowuni ezimbalwa .
Ufuna ukuthumela imali kubahlobo kunye nosapho (ukuhlawula isabelo sakho sokutya, umzekelo)? Ezinye iibhanki zinika iinkonzo zentlawulo kunye nomntu (P2P). Ngokona nxalenye enkulu, ezi nkonzo zizodwa zebhanki, kwaye ziyiluncedo xa bonke abachaphazelekayo basebenzisa ibhanki elifanayo. Ukuba wonke umntu unobhankani ohlukileyo, edlalwa njalo, kukho ukukhetha okungcono .
ATM zamahhala
Imali ayisoloko ikhompyutha. Ingaba uhamba kwindawo yokutyela engamkeli ipulasitiki okanye uthengisa izixhobo ezisetyenzisiweyo kwi-Craigslist, ngamanye amaxesha imali engumdala yindlela yokuphela.
Ukufumana imali kulula nje ngokutyelela i-ATM, kwaye akukho ntlupheko kulabo, kodwa uya kuhlawula imali eninzi xa usebenzisa i-ATM ngaphandle kwe-ATM yebhanki yakho. Emva kwebhanki yakho kunye nomsebenzisi we-ATM, ukuba loo mrhumo iphelile ukuba iphezulu ngokwemigangatho yepesenti.
Ukuba uya kwi-ATM ngaphezu kwamaxesha ambalwa ngonyaka, fumana indlela yokunciphisa ezo ntlawulo. Ungasoloko usebenzisa ii-ATM eziyinxalenye yentanethi yakho ye- bhanki mahhala (okanye, ukuba usebenzisa i- credit union , unethuba elihle unokutyelela i -ATM yamanyan ehlukile ngaphandle kwemali).
Ukuba ukusebenzisa i-ATM kwinethwekhi akuyona inketho, sebenzisa ibhanki ebuyisela imali yakho ye-ATM. Iibhanki ezininzi (kwi-intanethi kunye nezitena-kunye nomdongwe) zinikeza lo mboniso. Qiniseka ukuba ufunde ukushicilelwa okulungileyo ukufumana malunga nayiphi na imingcipheko-kunokuba neyona mali engaphezulu kwinyanga nganye, kwaye ezinye iintlobo zeemali ze-ATM zingenakutyalwa.