Khuphula imali yakho ngokukhawuleza kwaye kulula
I-akhawunti yokulondoloza kufuneka ihlawule umdla, ingabihlawulisi iifizi, kwaye ikuncede ngokukhuselekileyo kwaye ukhule ngokukhawuleza ukonga kwakho. Nangona oku kufanele kube nengqiqo, kwiibhanki ezininzi eli liva li-pipedream. Ibhanki ephakathi e-United States ihlawula ixabiso lentlawulo elincinci kunye neentlawulo eziphezulu xa ungazihlangabezi neemfuno ezithile. Ezi mabhanki ziphuma kwisihlwele, ngenxa yeemali eziphantsi, iirhafu eziphezulu kunye namava angcono okugcina imali. Landela olu khokelo ukuze ukhethe i-akhawunti yakho yokulondoloza elandelayo ukuze ukwandise iziphumo zakho.
01 Ngokugqwesileyo: I-FNBO Direct
I-FBNO imele i-First National Bank yase-Omaha, kwaye inkampani ibhanki yeklasi endala enezingcambu ezinamandla zaseNebraska. Unendawo kwindawo ezisixhenxe, ikakhulukazi kwimida-ntshona. Unokuvula i-akhawunti entsha ye-intanethi nge-deposit e-$ 1 encinci.
I-FNBO Direct ngoku kunika i-APY engama-1,60 yeepesenti. I-FNBO inikezela ngokutshekisha kwakhona, ngoko unako ukwenza yonke ibhanki yakho kule bhanki. I-FNBO Direct kwakhona ilungu lenethiwekhi yePopMoney, enika ngokukhawuleza, ukuhanjiswa kwamahhala kubangani kunye nosapho kwezinye iibhanki.
Ibhanki ineengcombolo ezixubekileyo, eziqwalasela ukuhamba kwayo kwebhanki yesebe yebhanki kunye ne-intanethi ye-bhanki kuphela. Kodwa ukuba ufuna inzala ephezulu, i-inshurensi ye-FDIC kunye namava okulondoloza ukungenazinkathazo, u-FNBO Direct udibanise.
02 Eyona ndlela iphezulu kwiSondlo esiPhezulu esiPhezulu
I-Synchrony Bank ibhanki eline-intanethi kunye ne-intanethi ephakamileyo yokugcina imali. Abaxhasi bathanda ukugcinwa kwemali ephezulu yama-Synchrony, okwangoku ihlawula i-1.55 yeepesenti ye-APY, phakathi kwamaxabiso amanqanaba aphezulu kweli lizwe. Ngomshuwalense we-FDIC kunye namazinga amaninzi okugcina imali, le yibhanki ethandwa kakhulu kwi-akhawunti yokulondoloza.
Nangona amaxabiso enzala aphakamileyo, le bhanki ifumana amanqaku aphantsi kumsebenzi wamakhasimende kunye neenkqubo zayo zebhanki kwi-intanethi. Ukuhlaziywa kwabaThengi kubhekisela kwinkonzo yabathengi abampofu kunye newebhusayithi ehluphekileyo I-synchrony ayinikezeli i-akhawunti yokutshekisha kunye kwaye inendawo yesebe yendawo kuphela eNew Jersey.
Ukuba konke ofuna ukukwenza kugcina imali yakho ngelixa ufumana inzala kwi-akhawunti ephephile, le akhawunti yinto enhle. Ukugcinwa kwemveliso ephezulu akukho mali yenyanga yenkonzo, kwaye udibanisa i-akhawunti yakho yokugcina i-Synchrony ukujonga okuphambili ukuhanjiswa kwe-inthanethi, ukufikelela kwiimali zakho ngokukhawuleza kwaye kulula.
03 Eyona ndlela ephezulu yokuThengiswa kweeMali eziPhezulu zokuThengiswa kweMali: i-CIT Bank
Ukuba ufuna ukugcinwa kweemveliso eziphezulu kunye namagatsha asemzimbeni, i-CIT Bank iyona ndlela ekhokelayo (ukuba ungadideki kunye neCiti Bank). I-akhawunti ye-CIT yeBhunga eliPhakamileyo eliPhezulu lokuThengiswa kweeNgcaciso okwangoku libonelela nge-1.55 pesenti ye-APY, ibeka kwi-akhawunti yokugcina imali.
I-akhawunti idinga i-$ 100 encinane yokuvula ibhalansi kwaye i-FDIC iqinisekisiwe. I-akhawunti ayihlawulisi imali yokusetyenziswa rhoqo. I-CIT ayinikeli i-akhawunti yokutshekisha, ngoko uya kufuna iibhanki ezininzi ukusebenzisa le akhawunti. Ezinye iingxelo zibonisa amava ahluphekileyo kwi-intanethi. I-Bank ye-CIT kunye ne-OneWest Bank yile nkampani kwaye ihambisa indawo kulo lonke ilizwe.
I-Best Best Customer Service: i-American Express Bank
I-American Express ingaphezulu kwenkampani yekhadi lesikweletu. Nangona ukuhlolwa kweendwendwe kubangelwa yifashini, enye into engekho ngetyala kwi-Amex ayiphumeli isitayela: i-akhawunti yokulondoloza. Ngokusebenzisa i-American Express Bank, unokuvula i-akhawunti okwangoku ihlawula i-1.45 yeepesenti ye-APY.
I-akhawunti ye-akhawunti ye-FDIC ekhuselekile yokulondoloza isivuno ihle ngaphezu kokulinganisela kwenkonzo yabathengi, okungenakuba yinto emangalisayo kumntu obambe ikhadi le-Amex kwikharityhulam. I-downside enkulu kubaxhasi be-Amex kukuba i-logins yasebhanki kunye neenkqubo azixhunyiwe kwiinkqubo zekhadi lesikweletu.
Oko kwathiwa, yindawo ekhuselekileyo, inomdla wokukhupha imali yakho. Yibhanki eline-intanethi kuphela, ngoko awuyi kufumana nawaphi na amasebe. Kodwa ngaba ngowama-2010, ngubani ofuna igatsha langempela xa unako ukutshintsha imali ngokulula kwi-intanethi mahhala?
05 Eyona ndlela yokuThengisa ngokuPhezulu okuPhakamileyo kunye nokuPhengisisa: i-Ally Bank
I-Ally Bank inikezela enye i-akhawunti yokulondoloza i-intanethi ngokufanelekileyo, okwangoku ihambisa i-1.45 yeepesenti ye-APY. Le bhanki ayiniki iifizi zenyanga, ukujonga i-akhawunti ukuba ufuna ukugcina yonke ibhanki yakho kwindawo enye, kunye nesheke ehambayo kwifowuni yakho ngqo kwi-akhawunti yakho yokulondoloza.
U-Ally uhlalutye kakuhle iinkqubo zebhanki ze-intanethi kunye nezithuthi, khumbula ukuba ngeebhanki ze-intanethi awukwazi ukufaka imali. Ngenxa yokuba ibhanki inikezela ngee-akhawunti, unokufumana ikhadi le-ATM kwi-akhawunti yakho kwaye ulisebenzise ngesikolo kwi-network enkulu yama-ATM. Ngombulelo kumanani amanomdla, ukuhanjiswa okulula kunye newebhusayithi eyakhelwe kakuhle, u-Ally uyilungiselelo olufanelekileyo kuzo zonke iimfuno zakho zebhanki, kubandakanywa ukuhlola okuphezulu.
06 I-Best High-Tech: I-Capital One Bank
I-Capital One sika-360 I-Savings ayiyona i-akhawunti ephezulu yokuvelisa kwiqela labanontanga, kodwa ingahlawulwanga amazinga aphezulu ngaphezu komyinge wesizwe. Inqanaba lenzalo langoku li-1.00 pesenti ye-APY. I-akhawunti engekho-ntlawulo ayikho ibhalansi encinci kwaye ibhanki eline-intanethi kuphela, nangona i-Capital One ineendawo ezimbalwa kwiidolophu ezinkulu kulo lonke ilizwe.
I-Capital One inikezela ukuhlolwa kweemveliso eziphezulu ngokubhekiselele ekulondolozweni, oku kuthetha ukuba unokufumana ikhadi lokubambisa kwaye wenze yonke ibhanki yakho phantsi kwelinye uphahla xa usebenzisa le akhawunti. Ungakwazi kwakhona ukuthumela imali ngokukhululeka kwi-akhawunti yasebhanki e-United States, eyaziwayo ngokubanzi kuzo zonke iibhanki kuleluhlu.
Enye into epholileyo yikhono lokuvula i-akhawunti yokugcina i-akhawunti nganye kwi-akhawunti yomnini-akhawunti. Oku kuthetha ukuba unokwenza ukutshintshwa ngokuzenzekelayo kwingxowa yakho yokuhamba, isikhwama somtshato, iikholeji zezingane zekholeji okanye nayiphina injongo yokulondoloza.
07 I-Best Wall Street Bank: i-Goldman Sachs Bank
I-Goldman Sachs yindlu yamandla eWall Street kwaye ingenayo entsha kwi-banking abasebenzisi. Ibhanki layo lihamba ngegama elithi Marcus By Goldman Sachs. UMarcus une-akhawunti yokugcina imali kwi-intanethi ye-1.50 yeepesenti ye-APY.
I-akhawunti ilula kwaye ayikho i-frills kwaye akukho mali. Yindawo nje yokugcina imali yakho ngenani elihle. Njengamanye amabhanki e-intanethi, awukwazi ukufaka imali, kodwa kulula ukuthumela imali kwi-akhawunti okanye kwi-akhawunti ebhanki. Amava asebhanki akanikeli uninzi, kodwa uninzi kangakanani ufanele usebenze kunye nebhanki ebambe imali yakho yokugcina imali?
U-Marcus unikezela ngemboleko mboleko, apho abanye abathengi baye bashiya izikhalazo malunga ne-intanethi. Kodwa ngokubanzi i-akhawunti yokulondoloza ibalwa kakhulu.