Iimviwo zeCasher: Indlela abaSebenza ngayo, iiNtlawulo, ukhuseleko

Indlela yokufumana iCasher's Check and Why You Need One

Uhlolo lweeCashier luhlola ukuba iibhanki kunye neengqinisekiso zebhanki. Ibhanki yakho okanye inyunyana yekhredithi ifakisha idokethi egameni lommkeli (okanye umvuzo) kunye nemali, kwaye ummkeli usebenzisa le ngxelo ukuqokelela imali evela kwibhankini yakho. Xa kuthelekiswa nokuhlola okwenziwa ngumntu, ityeksi yetshekhi yindlela ekhuselekileyo yokuhlawula abathengisi kuba isheke asikwazi ukuhlawula.

Kutheni ufuna iCashier Check

Nangona ezinye iindlela zanamhlanje, ukuhlolwa kwee-cashier kusasaziwa kwiintlawulo ezinkulu.

Ukucinga ukuba itekisi ifanelekile (ngaphezulu kwile ngezantsi), ukuhlolwa kwee-cashier ziphakathi kweendlela ezikhuselekileyo zokufumana intlawulo. Ngokuqhelekileyo kufuneka xa umthengisi efuna ukuqinisekiswa, kwaye ayithengi.

Iimali eziqinisekisiwe: Xa ibhanki iprinta iteksi yesikhokhelo, ibhanki ithatha imali kumntu ofuna ikhonkco (okanye kwi-akhawunti yakhe) kwaye ibeka loo mali ngaphandle. Ngenxa yoko, ibhanki ingaqinisekisa ukuba isheke liya kucima. Oku kunika ukhuseleko kummkeli, odla ukuthengisa into ethile. Ngetekethi, ngakwinye icala, isheke liza kucacisa ukuba imali ikhona kwi-akhawunti yombhali wekhenkethi xa ummkeli ezama ukufaka okanye ukukhangela imali.

Ukufumaneka ngokukhawuleza: Emva kokufaka isheke lomthengi, ummkeli okanye umthengisi angasebenzisa imali ngokukhawuleza. I-5,000 yokuqala yee-5 000 ngokuqhelekileyo kufuneka ifumaneke ngosuku lweshishini elinye (xa kuthelekiswa ne-$ 200 yokuqala yokuhlola).

Amabhanki avunyelwe ukubamba ixabiso elingaphezu kwama-5,000 ayi-$ , kodwa ukuhlolwa kwe-cashier kudla ngokukhawuleza kunokukhawuleza kunokuhlola.

Indlela yokufumana iCasher's Check

I-Order ye-cashier isheke kwi-bhanki yakho okanye umanyano wekhredithi.

Cela iteksi: Buza ibhanki yakho malunga neemfuno zokuba ulandele isheke. Uyakufuna iimali ezifumanekayo kwi-akhawunti yakho, okanye uya kufuneka usebenzise imali kwi-bhanki.

• Ngomntu: Unokungena kwiibhanki ezininzi zezitena kunye nomdaka ukuze ufumane isheke esikhutshwe. Ngemizuzu embalwa, kufuneka ufumane isheke ngesandla, kwaye unokuhlawula ummkeli ngokukhawuleza.
• I-intanethi: Ezinye iibhanki-ngokukodwa iibhanki ze-intanethi-zikuvumela ukuba ucele i-cashier checks online. Ibhanki inokuthumela i-imeyile i-imeyile kwi-imeyile yakho yokuqinisekisa, ngoko ke kufuneka ulinde isheke uze uyithumele kwi-payee yokugqibela.

Yilungiselele: Ibhanki yakho idinga iinkcukacha ezininzi ukukhupha isheke.

1. Hlola umlinganiselo: Kufuneka uxelele ibhanki ngokuchanekileyo ukuba isheke kukuphi. Oku kuya kushicilelwa kwisheke kwaye akunakuguqulwa.
2. Umvuzo: Nikeza igama lomntu ohlawulwayo (umntu okanye ishishini isheke kufuneka sihlawulwe ).
3. Ezinye iinkcukacha: Ungongeza "imemo" okanye amanqaku kwisheke. Umzekelo, ungabandakanya i-akhawunti okanye inombolo yereferensi.
4. Ukuchonga: Ukuba u tyelela isebe lasebhanki kumntu, velisa ukuchongwa okusemthethweni (ilayisenisi yokuqhuba, ipasipoti, okanye enye i-ID ekhutshwe nguRhulumente).
5. Imirhumo: Lindela ukuhlawula umrhumo omncinci wokuhlola i-cashier. Amabhanki kunye neemanyano zemali-mboleko zihlawula malunga ne-$ 8 okanye ngoko-tshekishe. Ukufihla loo ndleko, ufuna imali eyongezelelweyo ngemali, okanye ikhona kwi-akhawunti yakho.

Ukuba ukwenza ukuhlawulwa kwe-akhawunti yakho, imali iya kususwa kwi-akhawunti yakho ngokukhawuleza xa ishicilelo siprintwa.

Kwakhona, isheke se-casher yifomu yemali eqinisekisiwe, ngoko imali yakho ihambela kwi-akhawunti yebhanki de ukukhangela isheke okanye ifakwe.

Amalungu omanyano ngamatyala : Ukuba usebenzisa i-credit union, unokufumana uhlolisiso lwabaqeshi ukusuka kwiphina indawo yemanyano yesikhungo (kungekhona nje inkontileka yakho) kunye ne-branching ehlangene . Faka i-ID kunye nolwazi malunga nomanyano wakho wekredithi. Biza phambili ukuba uqiniseke ukuba inyunyana yekhredithi oceba ukuyityelela inikezela ityhier's checks.

Ukuba awunayo i-akhawunti yasebhanki : Unokungena kwiyiphi na ibhanki okanye umanyano wekhredithi uze ucele isheke somthengisi. Nangona kunjalo, amanye amaziko akhiphe kuphela ukuhlola abaxumi, ngoko ke kufuneka ufune indawo ezahlukeneyo (okanye uvule i-akhawunti). Unokuzama kwakhona i-order order .

Ukuhlolwa kwee-Casher ngamanye amaxesha kubizwa ngokuba yimifanekiso yeebhanki .

Ingaba iCasheer Checks Safe?

Xa ziyimibhalo evumelekileyo, amaxwebhu akhutshwe yibhanki, iikopi zecashier zikhuselekile.

Ngokwesiko, abathengisi babukela abo bathengisa ngokuzithemba kuba ibhanki ithembisa ukuhlawula-kungekhona nje umntu oza kukunika isheke. Kodwa loo nto ikhuselekile ivumela abaculi be-con guba imali.

I-Cashier's Check Scams

Ngelishwa, akuyiyo yonke i-checksheck checkser. Zihlala zisetyenziselwa ukukhwabanisa kuba abathengisi bacinga ukuba i-100 ekhulwini ikhuselekile. Ugaxekile oluqhelekileyo lubandakanya:

1. Omnye umntu ukuthumela iteksi yetshekhi.
2. Into engavumelekile eyenzekayo (ithumela kakhulu, ithumela ngaphezulu ukuthunyelwa, okanye "izicwangciso zazo zitshintsha").
3. Bacela ukuba uthumele imali kubo, okanye kumnye umntu.
4. Ibhanki yakho ithatha isheke ivumelekile kwaye ikuvumela ukuba uhoxise imali.
5. Ingotshe ekugqibeleni ibuya njengenkohliso.
6. Ibhanki yakho iguqula idiphozithi, kwaye uhlawula imali yakho yasebhanki.

Emva kokuba uthumele imali kwisela, awukho nxaxheba ngaphandle kokuba uzame ukufumana umntu ngokwakho-akulula. Ukufumana iinkcukacha ezipheleleyo, funda indlela I-Cashier's Check Check Trash .

Ngenxa yolu gwenxa, ezinye iibhanki ziyanqwenela ukutshekisha ukutshekishwa kwamasheya. Imimiselo ye-Federal ivumela iibhanki ukuba zibambe imali engaphezulu kwe-5,000 zamaRandi, kwaye iibhanki zingenalo ukuhlonipha isheke ngokupheleleyo xa kukho naziphi na izizathu zokukholelwa ukuba kuyinyumba. Amabhanki anganqabela kwakhona i- cashshi's checks ngaphezu kweentsuku ezingama-90 ubudala .

Uthelekiso lweeKhekhi zomntu

Xa ubhala isheke, ufanele ube nemali eyaneleyo kwi-akhawunti yakho ukufaka isheke. Kodwa (ngaphandle kweyonto engekho mthethweni) akukho nto ikuvimba ukuba ubhale isheke ngaphandle kwemali ekhoyo. Unokwazi ukuba isheke lakho liya kuba ngeposi ngeentsuku ezimbalwa, ukuba kuya kuthatha ummkeli ngosuku okanye ezimbini ukufaka isheke, kwaye ukucwangcisa idiphozithi kuthatha ezinye iintsuku ezimbalwa. Ngoko ke, i-akhawunti yakho ayiyi kuhlawuliswa kwiintsuku ezininzi zeentsuku emva kokuba ubhale isheke.

Ukuba awunayo imali ekhoyo namhlanje, unokuhlala unethemba lokuba baya kuba khona xa kubaluleke kakhulu-xa isheke sinikezelwa kwibhanki yakho ukuhlawula. Ngoko, ungabhala isheke njalo, kwaye mhlawumbi uhamba kunye neentengiso ezandleni zakho. Lo mkhuba ubizwa ngokuba ngumtshini wokuhlola . Ukuba kuzwakala kungekho mthethweni, oko kukuthi kuba.

Ngokungafani nohlolisiso lobuqu, ukuhlolwa kwee-cashier kukhangela kwiakhawunti yakho xa ibhanki ikhupha isheke. Ngenxa yoko, awukwazi ukufumana itekethi ngaphandle kokuba unayo imali efanelekileyo kwi-akhawunti okanye uzisa imali kwi-bhanki. Xa ibhanki iprinta isheke, ibhanki iba nexanduva lokuhlawula umvuzo, kwaye kunzima ukukhansela isheke .

Njengomrhwebi, ungathanda ukufumana itheksi yomthengisi okanye isheke? Ngokuqinisekileyo, iingxaki zakho zokuhlawuleka zilunge ngetyekethi esemthethweni.

Iimali zeMali ezijongene neeKhekhi zeCashier

Iimali zeemali zifana nokuhlolwa kwecashier. Zithathwa njengendlela ekhuselekileyo yokuhlawula ngenxa yokuba unokuthenga kuphela ngemali (okanye iimpahla ezinjengekheshi ezifana nekhadi lokubambisa okanye ukuhamba kwangaphambili ngemali kwikhadi lekhredithi). Ngenxa yoko, abaxhasi (okanye babuyiselwe bangakhokhelwa) njengeentlola zobuqu.

Kodwa imiyalelo yemali ivela kubaxhasi abahlukeneyo. Ukongeza kwiibhanki kunye neemanyano zeentengo zemali, ungaphinda uthenge i-oda zeemali kwiiofisi zeseposi, izitolo zokuthengisa, kunye namashishini okudlulisa imali. Imirhumo yemali ifikeleleke kwimida ephezulu, ngoko ingenakunceda kwiindleko ezinkulu, njengento yokuthenga ekhaya, kodwa ingahlawula imali encinci kwiintlawulo ezincinci. Ukufumana iinkcukacha ezingakumbi, funda malunga nokwahlukana phakathi kweemali zemali kunye nokuhlolwa kwe-cashier .

Payee ongaqinisekanga

Kukho amaxesha apho ungayazi ukuba ngubani ozakukhangela isheke esikhokhelwayo. Kuloo meko, unokufuna ubuninzi obuninzi okanye umonde. Akunakwenzeka ukuba ibhanki izakukhangela isheke lomthengi kunye negama elibhalwa ngumntu oshiywe ngaphandle, kwaye kuyafana nokufumana isheke ehlawulwe "kwiCash." Emva kokukhishwa kwetshekhi yesikhokhethi, ibhanki inoxanduva layo, kwaye ezininzi iibhanki azifuni ukunikela ngaphandle kokuhlola.

Iindlela eziqhelekileyo zokuThengwa kweeCashier

Ngenxa yokhuseleko lwazo, ukuhlolwa kwee-cashshi kusetyenziswa ukuthengiswa kwemali ephezulu kunye nentlawulo phakathi kwabantu (okanye ishishini) abangazi kakuhle. Esikhundleni sokuba nethemba lokuba umthengi wakho unemali ekhoyo kwi- akhawunti yokukhangela , unokuqiniseka ngakumbi ukuba ibhanki inemali eyaneleyo ukuhlawula oko uyifunayo.

Umqeshi usebenza kwakhona kwimisebenzi apho imali ifuna ukukhawuleza.

Xa ufaka isheke, unokubona imali kwi-akhawunti yakho, kodwa awukwazi ukuwususa yonke loo mali de i-bhanki "icacise" idiphozithi. Ngokuhlolwa kobuqu, oko kungathatha iiveki ezimbalwa, kodwa ngokuhlolwa kwee-cashshi kunye nokukhangela urhulumente-kukhutshwe, iifowuni zifumaneka kwixesha elinye loshishino.

Kwi-transaction estate, akukho mntu ufuna ukulinda ukucwangciswa kwisicatshulwa sakhe. Kwakhona, yinto ebonakalayo yemali-ngoko ke iintlawulo ezantsi zidlalwa kunye nekhredithi yecashier okanye ukudluliselwa kwefowuni . Ngokufanayo, iifenki zokurhweba zinokufuna iimali ezizinzileyo zokuthengiselana ezithile, kwaye ukuhlolwa kweefashi kungasetyenziselwa ukwanelisa loo mfuno.