Iisiseko zeeNtshutshiso eziTywala
Njengoko unokucinga, oko kuthetha ukuba ukuhlolwa kuhlawulwa ngokukhawuleza. Ukuba ubhala isheke, ezi ziindaba ezimbi kuba i-mali iya kuncitshiswa kwiakhawunti yakho ngokukhawuleza (okanye isheke liya kukhwaza, kwaye awufuni loo nto ).
Ukuba ufumene isheke, ziindaba ezilungileyo kuba uza kuhlawulwa ngokukhawuleza.
Nangona kunjalo, kungekhona nje nasiphi na isithombe esenzayo. Ukuqwalaselwa njengomtshintshi wokutshintsha phantsi kwe-Check 21, umfanekiso kufuneka ufezekise iimfuno ezithile.
Yintoni engekho iReposit Check?
Kukho ukudideka malunga nokuba yintoni na into engekho yetshekhi yokutshintsha. Ikopikopi elula okanye umfanekiso wesheke ayikho indawo yokutshekisha phantsi kwe-Check 21 - ayikwazi ukusetyenziswa ukuhambisa imali ukusuka kwibhankini ukuya kwenye.
Ikhonkco 'yokuguqulwa' ayifanelekanga njengetshintshi yokufaka indawo. Ukuhlola okutshintshileyo kukuhlolwa kwamaphepha okuguqulwa ukuba ahlole iikhompyutheni ngamashishini obhala uhlolisiso (oku kunokwenzeka xa unika isheke lakho kumntu oshicilelweyo, kwaye umqeshi uyawuqhubela umgcini wesheke kwirejista). Iintlawulo zentshukumo eziguqulwayo aziwa phantsi kwe-Check Check 21 - ziwela phantsi kwemithetho yokuhlawula i-ACH .
Ngubani Osebenzisa iIndlebe?
Amabhanki asetyenzisa ukutshintshwa kwamatshintshi ukuqokelela imali evela kwamanye amabhanki.
Amashishini kunye nabantu ngabanye obhala ukuhlola ukuba bangenzi amasheke okufaka endaweni. Ngenxa yokuba umtshini wokutshintshwa wenziwa endaweni yebhanki, ukuthengiselana kwakho kuxhomekeke kwimithetho elawula umsebenzi wokukhangela wemveli - engekho ukuthengiswa kwekhompyutha. Nangona kunjalo, ufumana amalungelo angaphezulu phantsi kwe-Check 21 (jonga ngezantsi).
Oko kwathiwa, umntu okanye ishishini lingadibanisa ngokuchanekileyo umtshini wokutshintsha. Ukuba uhlawula umntu osebenzisa idivayisi yeselula ukuba afake isheke , ibhanki inokuguqula umfanekiso ube ngumtshintshi osemthethweni.
Ukuchonga iIndleko zoTywala
Uyazi njani ukuba umfanekiso wekhenkethi ungumtshini wokutshintsha? Khangela igama elithi "Le ikopi yomthetho yetshekhi yakho. Ungayisebenzisa ngendlela efanayo ukuba usebenzise isheke lokuqala." Unokushicilela umfanekiso kunye nalo lonke ulwazi oluhambelanayo ukudala i-Image Replacement Document (IRD)
Ukuba unayo i-IRD, ungayisebenzisa ukubhalwa kweentlawulo ozenzileyo njengokungathi uhlolisiso olusetyenziswayo. Oku kunokukunceda ukuba ukhowule ukuba uhlawule iindleko ezithile xa isicatshulwa esicatshulweyo sokuqala sifumaneki.
Iingxaki ezidalwe nguThengwa loTywala
Njengazo zonke izinto zekhompyutha, ukutshintshwa kwezinto ezenzekelayo kwenza izinto zenzeke ngokukhawuleza. Oku kunokuba yinto enhle (ngokuzisa ubuqhetseba ngokukhawuleza, umzekelo) okanye into embi.
Ukuba ubhala ukuhlolwa phambi kokuba unayo imali kwi-akhawunti yakho, kufuneka ulindele ukuhlola ukucima ngokukhawuleza. Awunakuyisebenzisa ngokufanelekileyo ixesha lokuhamba njengokuba unakho kwixesha elidlulileyo, kwaye unobungozi bokuhlawula iireki kunye ne-overdraft. Ngenxa yoko, kuya kufuneka ukwazi ukuba ngaba unayo imali ekhoyo phambi kokuba ubhale isheke (unokuqinisekisa ngokulinganisa i-akhawunti yakho ).
Hlola uhlobo oluthile lwenkqubo yokukhusela i-overdraft xa ufumana ukuhlola rhoqo (kodwa uhlahlo lwabiwo-mali oluqinileyo luyindlela engcono kwaye efikelelekayo).
Iimpazamo kunye neeFixes
Iphutha lenzeke, kwaye kufuneka uhlale uneliso kwiakhawunti yakho. Iindaba ezilungileyo kukuba unamalungelo angaphezulu xa kukho impazamo ehambelana nomtshini wokutshintsha.
Ukuba uphikisana ngokufanelekileyo nokuthengiselana, ibhanki kufuneka iphande kwaye ityala iakhawunti yakho ngokukhawuleza ukuba ayinakuyilungisa le ngxaki zingadlulanga iintsuku ezili-10.
Njengamaxesha onke, kufuneka uhlaziye ingxelo zakho rhoqo kwaye uzazise ibhanki ngokukhawuleza naziphi na iimpazamo. Unayo iintsuku ezingama-40 emva kokuba umtshini wesitishi sinikezelwe kuwe okanye uvele kwisitatimenti sakho.