Kuba ngubani ofuna ukuhlawula iimrhumo ukuba awunayo?
I-akhawunti yakho yokukhangela yinkxalabo yemali yakho, oko kutheni kubaluleke kakhulu ukukhetha ibhanki elungileyo kwiimfuno zakho. Ukuba ufuna ukukhangela ihhala, into eyakuba yinto yokuqala yeebhanki ezinkulu, unokwenza ukuzingela kwaye kufuneka uqiniseke ukuba ukhangele le meko elandelayo ebalulekileyo eluhlu lwakho.
Imirhumo yenyanga: Indawo yokuqala yokujonga iindleko zenyanga. Eyona nto ihamba phambili yokujonga i-akhawunti ayinayo ibhalansi okanye ubuncinane ukulungiselela ukuphepha intlawulo yesondlo yenyanga. Akufuneki kubekho imali yokugcina nonke.
I-ATM: Ibhanki ye-intanethi isebenza ngeenethiwekhi ezinkulu ze-ATM. Ngaphambi kokuba ungene ngemvume, qinisekisa ukuba i-akhawunti yakho yokutshekisha entsha inikeza indawo ze-ATM ezilungele kuwe. Ukuba unamabala okuhlala eholide okanye uthanda ukutyelela intsapho "ekhaya," qiniseka ukuba kukho ii-ATM apho. Kodwa iingxelo ezigqwesileyo zibuyisela ezinye iimali zebhanki ze-ATM kwaye ungahlawulisi omnye nangona uphuma kwinethiwekhi.
Ukunciphisa imali: I-sticker enkulu kwi-intanethi kuphela-akhawunti ibeka imali. Eyona mikhulu, ibhanki yendabuko kufuneka igcine amagatsha avulekele idipozithi zemali, ezibiza kakhulu. Eyona nto ikhululekile yokujonga iakhawunti akuvumeli ukuba ufake imali. Ukuba oko kubalulekile kuwe, qwalasela inyunyana yemboleko okanye ibhanki yesebe yesintu.
Ngoku ukuba zonke iziseko zihlanganisiwe, ngezantsi uzakufumana iibhanki ezingcono ngokujonga ngokukhululekile namhlanje. Ngoko ke ungene kwiluhlu lwethu kwaye masenze sincede sinqume ukuba ngubani na onokuzilungela.
01 Ngokugqwesileyo: I-Ally Bank
I-Ally Bank ibhanki kuphela kwi-intanethi enye yeyona nto ihamba phambili yokujonga i-akhawunti ekhoyo namhlanje. Iza kungenazo iifizi, ukuya kwi-10 yezigidi kwiintlawulo ze-ATM zenyanga nganye zeemali ze-ATM, idizithi yesitokethi yesitokethi kunye nokuhlawula umncinci omncinci wokunciphisa i-deal.
U-Ally awunikeli inzala engcono kakhulu, ukuhlawula i-0.10 yeepesenti APY kwimilinganiselo ukuya kwii-15,000 zamawaka kunye ne-0.60 ekhulwini kwi-balance ye $ 15,000 nangaphezulu. Nangona kunjalo, ukudibanisa akukho ntlawulo yeemisebenzi eziqhelekileyo kunye nezinye zezona ndlela zingcono kwiibhanki ze-intanethi ngokubanzi, awukwazi ukungahambi kakuhle nale akhawunti yokujonga. Into kuphela ongenakuyenza yifake imali. Ngaphandle kokuba unomsebenzi osisigxina, mhlawumbi akunjalo.
02 Best Flexible Overdrafts: Capital One
Inkunzi eyodwa 360 Ukukhangela i-akhawunti enkulu kungekho mali. Inayo yonke into ebhanki ye-intanethi neyefowuni enokuyilindela kwi-bhanki ye-intanethi kwaye unikezela ngeendlela ezine ze-overdrafts, kuquka ukuhla kwe-auto, ukudluliswa kwamahhala kwi-savings kunye ne-overdraft. Yithi intlawulo yokuhlawulwa kwee-overdraft ngonaphakade, kunye nazo zonke iifizi-mboleko ezinkulu ezinkulu zebhanki ngokusebenza rhoqo ngenyanga.
Le bhanki ihlawula i-0.20 yepesenti yemali ukuya kwii-50,000 zamaRandi, nto ibhetele kunokuba uyifumana kwi-Ally kuma-akhawunti asezantsi. I-Capital One One-360 abathengi banokufikelela ii-ATM ezingama-39,000 ngaphandle kwemali, kodwa ayikho imali yokubuyisela ezinye iindleko ze-ATM zebhanki. Le bhanki ayikho ngokupheleleyo kwi-intanethi kuphela. Banikela ngethungelwano lweCape One Cafes, ephindwe kabini njengezitolo zekhofi kunye namasebe asebhanki enye.
03 Eyona bhetele kwiBhajethi: Elula
Ukuba uthathe isofthiwe yakho yohlahlo lwabiwo-ntando kunye neyintandokazi engenayo imali yokujonga i-akhawunti kwaye uyigqubuthe ndawonye, uya kugqiba ngokulula. I-akhawunti elula inika i-akhawunti enye, i-akhawunti engekho-intlawulo yokujonga i-akhawunti ehambelana ne-intanethi kunye ne-app yeselula. Kodwa ezo nkqubo zebhanki ze-intanethi aziyeki ekuthuthweni nasekuhlawuleni i-bill, zinikela ngokuthe ngqo.
Okulula kunomsebenzi wokuhlawula imali kunye nokusetyenziswa kweempawu zokulandelela ezenziwe kwiprogram efanayo kunye nokusebenzisa ibhanki yeselula. Awungazibuza kwakhona ukuba unako ukuthenga ukuthenga, ungayibona kwaye ukwazi ngokufanelekileyo kwindawo. Kwakhona kubonisa inkalo yokulondoloza injongo ekuncedeni ukugxotha imali kwihambo elizayo, ukuthenga okanye nayiphi na into.
Ngokungafaniyo neengxelo ezininzi "zokukhangela zamahhala" ezihlawula iimrhumo zezinye iimfuno ezingavumelekanga, le ntlawulo ayihlawulanga imali. Nantoni na. Kwenene. Unokubona i-pass-through ekusebenziseni ikhadi lakho lokubambisa ngaphandle kwe-United States okanye imali evela kwi-ATM yebhanki enye, kodwa akukho mali ivela kwi-Simple.
04 Eyona ndlela ihamba phambili kunye neenketho ezininzi: Ibhanki ye-intanethi yase-USA
Ngelixa i-intanethi ayikho indawo yangempela unako ukuya kuyo, yindawo eyona yaneleyo ebhankini yayo. Ibhanki ye-intanethi i-USA ibhanki ye-intanethi kunoma ubani e-United States, kwaye ine-akhawunti ezikhethiweyo ezi-6 ezikhethiweyo zokukhetha kuzo, ezintathu zazo ezingahlawulanga iiflawulo.
Ukuhlawula i-akhawunti ayikho imali yokuhlawula imali engenakulinganiselwa nayiphi na intlawulo ye-ATM yasekhaya, into enhle kulabo abahlawulwa yi-deposit ngqo kodwa bakhetha ukuya kwi-ATM ukuyisebenzisa imali (iimeko zisebenza ukufumana inzala). Ukuhlolwa kwePlatinum kulungele ukuba abo basebenzise i-ATM encinane (i-R8 ezihlawulwayo ngenyanga, i-$ 5,000 ibhalansi encinci yenzalo). I-Basic is Checking Essential, engenayo inomdla kodwa inika imali yokubuyisela i-ATM engenakunomlinganiselo wokulinganisela.
05 Ibhanki ephezulu yeNzala: Bank5 Xhuma
Ukuba ufuna i-akhawunti yokujonga i-intanethi ehlawula irhafu yemigangatho yokhuphiswano ngaphandle kokungena kwiihuzu, kufuneka uhlole iBhan5 Connect. Le ntlawulo ye-akhawunti ekhululekile ivula nge-$ 10 encinci idiphozithi kwaye kufuneka ugcine i-$ 100 kwi-akhawunti ukuze ufumane inzala, okwangoku ku-0.76 pesenti ye-APY.
Enye yezona zinzuzo ezinkulu kukuba uhlawulelo lwemali ye-ATM, ekhuphukela ku-$ 15 ngomjikelezo wesitatimende ngasinye. Oku kuhambela ezine ukuya ezintlanu ukuya kwelinye na i-ATM engangokudala ngaphandle kokuhlawula ipesenti ephaketheni. Ngaphezulu, ufumana yonke into ekhoyo yebhanki ekhompyutheni ekhompyutheni ye-intanethi, iintetho zekhompyutheni (kufuneka uhlawule ukuze uzifumene kwi-imeyile), ibhanki ye-mobile, umyalelo wokuqala wamahhala wokuhlola kunye ne-debit card umvuzo xa wenza Ukuthengwa kwePIN kwenkcitho yansuku zonke. Olu hlobo lwemali engaphantsi luyinto engabonakaliyo yokudityaniswa kwezi ntsuku, okwenza kube luncedo oluxabisekileyo kakhulu.
06 Eyona Bhanki ephezulu yeCash back: Fumana iBhanki
Ngokuqhelekileyo, udinga ikhadi lekhredithi ukuze ufumane imali engcono kakhulu, kodwa Ukufumanisa unikezela ngeyona nto inyanzelisayo kunye neepesenti enye imali emva kwee-3,000 kwiintengo zenyanga. Oku ku-$ 360 ngonyaka ngekheshi ngokuxhomekeke kwimikhwa yakho yokuchitha, kunye ne-akhawunti yokukhangela ikhululekile ngaphandle kwemali yomsebenzi oqhelekileyo.
Le akhawunti ayikho imali yenyanga kwaye akukho namanani alinganisiweyo, umgangatho wokuba ufumane olu luhlu. Qaphela i-Bhanki inikeza ii-ATM ezingama-60,000 ezingenahla-ntlawulo kwaye iquka ukuhlaziywa kwe-free check reorders xa usebenzisa i-checkbook yakho, eya kuthatha ixesha elide kule mini kunye neminyaka.
Enye into ephazamisayo kule akhawunti kukuba ikhadi lebityala lifumanisa uphawu oluthile, oku kuthetha ukuba awukwazi ukuyisebenzisa ukuthenga ngokubanzi njengamaVisa kunye ne-Mastercard yamakhadi okukhishwa ngamagama. Nangona kunjalo, ngokungabi nantlawulo yeefizi ngaphandle kokuthumela ucingo, ukuyeka intlawulo kunye ne-overdraft eyoyikisayo, uya kukwazi ukunandipha yonke into efunekayo le akhawunti ngaphandle kokuhlawula imali.
07 I-bhanki ephezulu kunye nokuHlola iNkcazo yokuTyelelwa kweHlabathi: iShawb Bank
UCharles Schwab ungomnye wemali yokuthengisa isaphulelo eyaziwayo e-United States. Kodwa iSwawa unemfihlo: Ikwabonelela enye yeyona nto ihamba phambili yokujonga ii-akhawunti ngokukhawuleza. I-akhawunti ye-Schwab ye-Investor Checking ifuna i-akhawunti ye-brokerage ukuba ivulekele, ngoko akuyena wonke umntu. Kodwa ukuba unayo i-chops kwiityalo-mali, unokufuna ukongeza kule khawunti ye-free ezamahala njengebhonasi.
Ibhanki inikeza inqanaba elincinci lomdla, kodwa into ebaluleke kakhulu kubahambi abaqhelekileyo ukubuyisela okungenamkhawulo kwezinye iibhanki ze-ATM, kunye nezo zivela ngaphandle kwe-United States. Ungakhathazeki ngokufumana i-pesos ngaphambi kokuya eMexico okanye kwi-Euro ngaphambi kokuba ujikeleze iliso elibomvu ngaphesheya kwechibi. Ngoku ungaya kwiATM kwaye ubuyisele imali nayiphi na imali. Ngokuqhelekileyo ufumana enye yezinga eliphezulu zokutshintshisana ngeATM, ungatshintshi izitolo okanye ii-cambios ozibonayo kwiindawo ezikhethiweyo zokutyelela.