Gwema iirhafu ze-ATM
Qala ngeBhanki Yakho
Isisombululo esilula (kodwa ngamanye amaxesha esincinane) siza kutyelela ibhanki yakho xa kufuneka uhoxise imali.
I-ATM yebhanki yakho kufuneka ikhululeke ukuba uyisebenzise, nangona abathengi bezinye iibhanki baya kufuneka bakhokhe imali. Xa kunokwenzeka, cwangcisa phambili kwaye uhoxise imali eyoyidinga imicimbi ezayo ngelixa usebhankini lakho. Uza kusindisa imali, kwaye uya kulondoloza uhambo: Akukho mfuneko yokufumana imali kwenye indawo kwiintsuku ezimbalwa kwaye uhlawule imali e-ATM yangaphandle.
Ngelishwa, ibhanki yakho ingenayo i-ATM ekhoyo apho uyifunayo, kodwa kukho ezinye iindlela zokukhipha imali ngaphandle kwe-ATM mahhala.
Izaphulelo zemali: Ukuba awukwazi ukusebenzisa i-ATM yakho yasebhanki, khangela ukuba ibhanki yakho inikeza izihlawulelo zemali ze-ATM. Ezinye iibhanki zibuyisela nayiphi na iindleko ukuba abanikazi be-ATM bangeze kuhoxiswa kwakho. Ukuhlawulwa kwemali kuyimpawu esemgangathweni kwi- akhawunti ephathekayo yokuphathwa kwemali , kwaye ezinye iibhanki zendawo kunye neemanyano zentengo zemali zibonelela ngezaphulelo.
Inethiwekhi ye-CO-OP yeLungu leMatyala
Ukuba ungumntu we- credit union oyinxalenye yechungechunge lwe-CO-OP, unokufikelela kuma-ATM angama-30,000 angamahhala kuwo wonke umhlaba.
Uninzi lwale ATM lufumaneka kumasebe emanyano yamatyala, kodwa ungabathola nabo kwiivenkile zokuthengisa ezifana ne-Costco kunye ne-7-Eleven. Ukongeza kokusebenzisa ii-ATM zamahhala, iimanyano zemali-mboleko zivame ukuvumela ukuba ungene kwi-yesebe kwaye usebenze nomtshilo ngokusebenzisa "i- branching ebelwanayo ." Ukuba umanyano wakho wekhredithi ungomnye wabo (kwaye unokufumana iofisi enye ilungu le-branching ehlangene) , sebenzisa ngokunjalo le nkonzo.
Ukuze ufunde kabanzi, tyelela i-co-opcreditunions.org. Kukho, unokukhangela ama-ATM kufuphi nawe, kunye nokufumana i-ATM ye-locator ye-app.
Umnxeba weKhadi lakho
Amakhadi amaninzi amanqanaba ayingxenye yenethiwekhi ye-ATM evumela ukuba wenze ukurhoxiswa kwamahhala. Ingaba ubhankini kunye ne-megabank okanye umanyano wamancinci amancinci, amaziko ngokuqhelekileyo abambisana kunye namanethiwekhi emakhadi, ngoko ukusebenzisa i-ATM mahhala yinto nje yokufumana ii-ATM kwinethiwekhi elungileyo.
Ukufumana ukuba iyiphi intanethi ibhanki yakho isebenzayo, cela nje. I-app yakho yebhanki okanye iwebhusayithi kufuneka ikukhombe kwindlela elungileyo xa usebenzisa "i-ATM Locator" okanye ithuluzi elifanayo. Ukuba ibhanki yakho ayinakunceda, jonga i-debit yakho okanye ikhadi le-ATM: Ngemuva kwekhadi, kufuneka ubone iipositi zamanethiwekhi amaninzi ahlukeneyo (okanye unganakho, kuxhomekeke kwikhadi lakho). Leo logos ikuxelela indlela yokukhangela ii-ATM zamahhala kwindawo yakho.
Unxibelelwano oluninzi ludweliswe ngezantsi. Ukuba elinye lamagama lifanisa i logo kwikhadi lakho, yiya kwiwebhsayithi yayo ukuze ufumane iinkcukacha ezingaphezulu kwaye usebenzise i-ATM yokukhangela ithuluzi. Uninzi lwezi ziza kunika iinkqubo ezinokukukhokelela kwi-ATM yamahhala esebenzisa i-GPS. Qaphela ukuba ezinye iinqununu zidibanisa izitolo ezivumela ukuba ufumane imali ngokuthenga (unako ukwenza njalo ukuthenga okuncinci ukuba kukho into oyifunayo okanye ukuba iya kubiza ngaphantsi kwe-ATM eseduze).
Amanye amanethiwekhi amaninzi afaka:
- I nkwenkwezi
- MoneyPass
- Allpoint
- Pulse Select
- IQumrhu elinye
- TransFund
Akukho nto? Njengoko usebenzisa abakwa-ATM, khumbula ukuba ezinye zazo zingabonisa ii-ATM ziyakuhlawula imali. Kwezinye iimeko, i-ATM ikhululekile (ayiyi kuhlawulisa inkokhelo), kodwa ibhanki yakho iya kukuhlawula ngokusebenzisa "i-ATM" yangaphandle. Ukuphepha iindleko ze-ATM zangaphandle, khangela iibhanki ezikuvumela ukuba uhoxise naphi na, imali-ntlawulo (ezinye i-akhawunti yasebhanki kwi-intanethi, kuquka i- Capital One 360 , ungahlawulisi iintlawulo ze-ATM zangaphandle).
Eminye iATM
Ukuba awukwazi ukufumana i-ATM yamahhala kufuphi, kunokukho ezinye iindlela zokukhusela iindleko, kuquka ukuhamba ngokungenasiphelo .
Ukuhlawula imali: Unokukwazi ukufumana imali emva kwesitolo xa uthengwa ngekhadi lakho lokubambisa kwaye usebenzisa iPIN yakho . Qiniseka ukuba ungasebenzisi imali kwizinto ongazidingayo.
Ngocwangciso oluncinci, unako ukubeka imali ngemali oya kuyidinga kwiintsuku ezimbalwa ezizayo xa ubeka isitya ekudleni kwisitolo sevenkile.
Bhatala ngeplastiki: Unayo ikhadi lakho lokubambisa, kwaye kutheni ungayisebenzisi endaweni yokuhlawula ngemali? Ukuba unayo iqela, unakho ukuhlawula iindleko zabanye kwaye ubahlawule ngemali (okukugcina uhambo oluya kwi-ATM). Ngaphandle koko, abahlobo banokukuhlawula ngeenkonzo zokuhlawula zamahhala ze- P2P .
Gcina ukhumbule ukuba ukutshintsha ikhadi lakho lonke ngeenxa zonke edolophu kungasengozini kunokusebenzisa ikhadi lakho kuma-ATM-rhoqo xa usebenzisa ikhadi lakho uveza ulwazi lwekhadi lakho. Nangona kunjalo, ngokubanzi unokukhuselwa njengomthengi, kwaye ii-ATM zebhanki nazo ziyakuncitshiswa . Ukusebenzisa ikhadi lokuthenga ngetyala kuya kukhuseleka -jiniseka ukuba uyihlawule rhoqo ngenyanga.