Vula i-akhawunti ngenye yeebhanki ngaphambi kokufika kwi-campus
Isikolo esiphakamileyo kunye neekholeji zezihlandlo zokufunda ezininzi malunga nezinto ezininzi ebomini, kuquka ukulawula imali. Ukuba ungumfundi okanye unomfundi ebomini bakho, kubalulekile ukuba ukhethe i-akhawunti yebhanki efanelekileyo ukuba ungagcini nje kuphela ukukhusela iimali ezinkulu kodwa ufumane iimpawu ezibalulekileyo kuwe (akukho mfuneko yokulinganisela ibhalansi, ukudluliselwa kwamahhala, njl.). Ukufikeleleka kwakhona into ekumele uyigcine engqondweni xa uceba ukwenza i-akhawunti xa usesikolweni. Ukuba ukhangele ukuvula i-akhawunti ngaphambi kokuba uphume kwi-campus, uya kufuna ukukhangela kule mabhanki aphezulu kubafundi bokuqala.
01 I-Bhanki ephezulu yeBafundi ukuba bahlale emva kweSikolo: iBhanki ye-Ally
I-Ally Bank ibhanki eline-intanethi kwaye enye yeebhanki eziphezulu kunabo bonke nabani na kungakhathaliseki ukuba ngabafundi benjani. Enyanisweni, u-Ally akasiniki i-akhawunti yokuhlola i-akhawunti, kodwa i-akhawunti yokuhlola ikhulile iyanceda abafundi kwaye inceda ukwenza imikhwa emihle xa ilula kwaye ihlale ibadala.
I-Akhawunti ye-Ally Bank yokuThengisa iNkcazo ayinayo imali yokugcinwa kwenyanga kunye neentlawulo ayikho nayiphi na imali. Ungasebenzisa nayiphi na i-ATM ye-Allpoint mahhala (iindawo ezingama-55,000) okanye usebenzise nayiphi na i-ATM ukuya kwi-$ 10 kwimirhumo yokubuyisela imali ngenyanga.
Unokwenza nantoni nale akhawunti kodwa ufake imali-mali (yintanethi ye-intanethi, emva koko, akukho magatsha). Kodwa ungayifaka isheke efonini yakho. Iingxelo ziza kunye nokukwazi ukudlulisela imali kwi-akhawunti yebhanki kwi-US kunye nokuthumela imali (okanye ukufumana) kubahlobo okanye intsapho ngokukhawuleza kunye noZelle.
Ukuhlolwa kweBhanki ye-Ally okwangoku kuhlawula i-0.10 yeepesenti APY kwimilinganiselo ukuya kwi-15,000 yee-dollar kunye ne-0.60 ekhulwini kwiimali ezingaphezulu kwe-$ 15,000. Akulona nqanaba elincomekayo yenzalo ngaphandle, kodwa liphezulu ngaphezu komyinge phakathi kweebhanki ezinkulu kunye nezemveli. I-akhawunti yinto enhle kangangokuba abafundi baya kufuna ukuyigcina emva kokugqiba.
02 Best Best Students in High School and Younger: Capital One 360
Iintswelo zifuna ukwakha isiseko sezimali esinamandla ngaphambi kokuba zikhululeke ukulawula imali yazo kwikholeji okanye xa zifumana umsebenzi wazo wokuqala. Inkunzi ye-One 360 inika i-akhawunti yokujonga i-akhawunti ebizwa nge-MONEY engenayo imali.
Le akhawunti ayikho ibhalansi encinci kwaye akukho ntlawulo yenyanga. Iza kunye nekhadi lokudibanisa kunye nokufikelela kwamahhala kuma-ATM angama-39,000 kwiNqununu eyodwa kunye neenethiwekhi ze-Allpoint. Iakhawunti ihlawula i-0.25 yeepesenti inzala, engeyona nto ihamba phambili kodwa ingekabi kakhulu.
I-akhawunti inika abanikezeli ithuba lokufikelela kwisheke, iibhanki ze-intanethi, izilumkiso zetekisi kunye nebhanki yesebe kwinani elinqinqiweyo leCompel One Cafes (igama leBhanki ye-Capital One kunye nevenkile yekhofi enye).
Abazali banokufikelela ngokupheleleyo kwi-akhawunti kuzo zonke iimpawu ngaphandle kwekhadi lokubambisa. Oku kwenza ukuba kube lula ukufundisa imikhwa emihle yebhanki kwaye ubonise umntwana wakho ukuba isebenze njani ibhanki, njengokusebenzisa izicwangciso zokulondoloza ngokuzenzekelayo.
03 I-Brick ephezulu yeBrick kunye ne-Mortar: Chase
Ukugxotha enye yeebhanki ezinkulu kwihlabathi kwaye unikezela ngeenguqu eziphakamileyo zesikolo nakwiikholeji zabafundi abajonga i-akhawunti. Ngenxa yokuba i-Chase inkulu kakhulu, inento kuwo wonke umntu. Kananjalo banenethiwekhi enkulu yamasebe anikezela uhlanga ukusuka kunxweme oluya kunxweme, okwenza kube lula ukuhamba esikolweni kwaye xa ubuyela ekhaya.
Ukuhlola iZikolo eziPhakamileyo zeSikolo kubafundi abayi-13 ukuya kwe-17 ubudala kwaye kufuneka bavulwe nomzali womnini-mgcini okanye umgcini-mgcini. IiAkhawunti zidinga i-$ 25 encinane yokuvula ibhalansi. Ukuphepha umrhumo wenyanga we-6 (yuck!), Uya kufuneka udibanise nomzali ofanelekileyo okanye i-akhawunti yomgcini-mali, yenza idiphozithi ngqo ngenyanga okanye ugcine i-akhawunti engama-5,000 engumyinge wokugqibela wokugqibela kwi-akhawunti.
Kubafundi beekholeji ezili-17 ukuya ku-24, i-Chase College Checking yi-akhawunti yokukhetha. Ngobungqina bezinga lezemfundo zekholeji (ngenisa i-ID yomfundi, ileta yokwamkela okanye ibhaliweyo xa uvula i-akhawunti entsha), awuyi kufumana imali ehlawulwa rhoqo ngenyanga ukuya kwii-5 kwiikholeji. Emva kweminyaka emihlanu, imirhumo isebenza njengengxelo yesikolo esiphakamileyo. Kwakhona ine-$ 25 encinane yokuvula idiphozi.
Ngokuqinisekileyo akuyona i-akhawunti engcono kwiluhlu ngenxa yemirhumo, kodwa ufumana amaninzi amanqanaba ukudibana nomntu ukuze ancede okanye athathe imali. Ukuba enye yeyona nto ibaluleke kuwe, Khangela ikhethi elikhethekileyo.
04 Eyona Ibhanki Yomfundi Eyona Eyona Eyona Ebalulekileyo Yokuhlawula imali: Elula
Kulula enye i-akhawunti yokujonga ngokubanzi eyenzelwe umntu, kodwa ikhulu kakhulu kubafundi. Ilula ihlanganisa ubhanki kunye nohlahlo lwabiwo-mali kwisicelo esisodwa sefowuni, enokufunda ukufunda indlela yokuphatha imali nokuqonda apho imali yakho iya khona inyanga nganye. Kwaye akukho mali yokuhlawula rhoqo ibhanki.
Elula yibhanki ekhompyutheni kuphela, ngoko akukho imali ekhoyo. Kodwa njengamanye amabhanki e-intanethi, ikunika ukufikelela kwikhadi lokudityaniswa, iifowuni zetshekhi yeselula, iibhanki ze-intanethi kunye nomnxeba weselula kunye nokutshintshwa kwi-akhawunti yebhanki e-US Ngokufumana intlawulo ye-bill ye-intanethi, baya kuprinta baze bathumele isheke - into efanelekileyo kuba ayifi nekhenkethi.
Ilula isebenzisa ubuchule bokuhlawula imali kunye nolondolozo oluqhelekileyo olufumaneka kwi-software yokuphathwa kwemali e-intanethi njengeMint okanye iMacityity Money kwaye idibanise ngqo kwi-akhawunti yakho yasebhanki. Lezo zixhobo zebhajethi ziquka iinjongo zokulondolozwa, ukulandelwa kwemali ngokwemigangatho, kunye ne-brand ye-Safe-To-Spend ithuluzi elikunceda ukuba wazi ukuba ungathenga okanye awuyi kuhlawula.
I-akhawunti enkulu ebanzi, kwaye ukugxilwa kwe-mobile-first kuqala ngokukhululekile kwaye kubhenela kubathengi abancinci abancinci. Nangona abantu abadala kufuneka baqwalasele le bhanki, ingakumbi ukuba ufuna uncedo oluncinci lokulawula uhlahlo lwabiwo-mali kunye nolondolozo.
05 Ibhanki yeBanga eliPhambili leMfundo yeeMkhosi: i-USAA
I-USAA ibhanki eyenzelwe ngokukhethekileyo amalungu omkhosi kunye neentsapho zabo. Ubulungu be-USAA buhlawula kakuhle emva kwekholejini, njengoko kukunika ukufikelela kwezinye zezinto eziphambili ze-inshurensi iimveliso kunye namaxabiso aphantsi. Kodwa ngoku, siza kugxila kwiimveliso zebhanki zabafundi.
I-USAA I-Classic Yokujonga Iikholeji zabafundi i-akhawunti yokukhangela yamahhala ngaphandle kwemali yenyanga, akukho mfuneko yokulinganisela ibhalansi, ii-ATM ezikhululekile nakwiyiphi ibhanki e-United States (ibuyiselwa imali enye yebhanki ye-ATM) kunye nokuhanjiswa kwamahhala kunye neentlawulo zesikhokhelo.
Ngebhanki yeselula, ungayifaka isheke ngefowuni yakho. Ungaphinda ufake iitshekishe kunye nemali kwi-ATM ezinokwenza imali. I-USAA ye-debit ikhadi isebenza kunye nezikhwama eziphathekayo kunye ne-USAA yilungu leZelle lokudluliselwa ngokukhawuleza kubahlobo, oluza kulungelelaniswa xa ufuna ukuhlula i-bill ye-bill delivery.
Abafundi abancinci benza ngcono ngoKhetho lwe-Young Savings kunye neChecking, kubandakanywa namava eselula awenzelwe abantwana.
06 I-Best for Mobile Bankers: Chime
Akukho mrhumo kunye namava e-bhanki lokuqala-bhanki enza ukuba i-Chime ibe yinto ekhethekileyo kubafundi. Kuyafana nangeendlela ezininzi zokuLula, kodwa ngaphandle kweempawu zohlahlo lwabiwo-mali. Kwakhona, njengabanye abaninzi kuloluhlu, ii-akhawunti ze-Chime aziyizifundo ezithile. Zikulungele abafundi nabadala ngokufanayo.
I-Chime inebhanki enkulu yeselula, kuquka ukujonga ngokukhawuleza kokuthengiswa kwangoku, iifowuni zomthwalo kunye nezinye izinto eziphathekayo. Akukho mali ye-overdraft, iimali zenyanga, iifizi zerhafu okanye ubuncinane beemali zokuthengiswa kwamanye amazwe. Ukuba ufuna ukusebenzisa i-Chime debit card ngexesha ufunda ngaphandle, swayipha (okanye udibanise i-chip) kwaye ugweme iintlawulo ezininzi ezinye iibhanki zihlawula.
Enye into epholileyo kubafundi abanomsebenzi ukufikelela kwangaphambili ukuhambisa idipozithi. Xa uhlawulwa ngediphozithi ngqo, umqeshi wakho unokuthumela ifayile kwiintsuku zebhanki ngaphambi kokuba uyihlawule umhla wokuhlawula. Nge-Chime, uza kufumana ikhredithi ngokukhawuleza njengoko beyazi malunga nefayili, ukuya kwiintsuku ezimbini ngaphambi kokuba uhlawulwe ngebhanki yendabuko.
07 Amanqanaba amaninzi: I-Wells yaseFargo
I-Wells Fargo yiyona ibhanki enkulu eUnited States xa ulinganisa ngamanani amasebe, nangona kunjalo njengeebhanki ezininzi ezinkulu kunye neebhanki zivala amagatsha rhoqo. Kodwa okwangoku, kusekho kuqala kumasebe kwaye kunika inani elikhulu lama-ATM.
I-Wells Fargo inikeza uluhlu olubanzi lweengxelo, kubandakanye i-akhawunti yayo yokujonga i-akhawunti kunye ne-akhawunti yokulondoloza abafundi. I-akhawunti yokuhlola i-Student i-college-age learners. Abafundi abaneminyaka eli-17 ukuya kuma-24 ubudala bafumana isaphulelo sama-5 se-5 kwiimali zenkonzo zenyanga. Kodwa oko kuthetha ukuba le akhawunti ihlawula iindleko zenkonzo nganye ngenyanga. Qaphela iifizi!
I-akhawunti idinga imali engama-25 engama-deposit yokuvula. I-akhawunti inemali yenyanga yenkonzo ye-10 yenyanga, isetyenziswe rhoqo kwi-akhawunti ehambelana ne-Daily Day Checking, engaphantsi kwemali ye-$ 5 ukuba ufanelekile. Ungaphinde ugweme umrhumo ngee-10+ zenyanga zokuthengwa kwemali, i-$ 500 + kwiifomethi zenyanga ngqo okanye i-$ 1,500 ibhalansi yansuku zonke. I-ATM edibeneyo ye-Fargo Campus okanye iCampus Debit Card nayo ikukhupha ngaphandle kwemirhumo.
Imirhumo ephakamileyo kunye namaxabiso aphantsi yenza oku kuyona nto inomdla kumnxeba. Ngaphezu koko, u-Wells Fargo uzama ukuguquka kwi-scandal enkulu ebandakanya ukuvula iitoni zeakhawunti yebhanki ngaphandle kokugunyazwa kwabanini. Ukwenza kube nzima ukuthembela ku-Wells Fargo. Kodwa ukuba ufuna inombolo enkulu yamasebe, i-Wells iyinqoqo.