Uhlala u tyelela isebe lakho lebhanki kangangoko? Ukuba unjengabantu abaninzi kule mihla, impendulo ayikho rhoqo. I-American Banker, ishicilelo kwizentengiselwano zoshishino lwebhanki, ixelwe kwangoku ukuba amaphesenti angama-92 e-Millennials, ngoku eyona nxalenye enkulu yabantu base-United States, ukhethe ibhanki yabo ngokusekelwe kumnikelo wedijithali. Amashumi asibhozo anesibhozo zisebenzisa iibhanki kwi-intanethi ukulawula iimali zabo. Ngokuxhomekeke kakhulu kwiwebhu ukulawula imali, akumangalisi ukuba iibhanki eziku-intanethi kuphela zikhula ekuthandeni.
Kukho ezininzi iindlela ezikhethileyo zebhanki kwi-intanethi namhlanje, ngoko sasihlahlela phantsi uluhlu kwiibhanki eziphezulu kwi-intanethi ezinokuba zilungele imali yakho.
01 Ukujonga ngokugqithiseleyo kwi-Intanethi: I-Capital One 360
I-akhawunti yokujonga i-intanethi ngokuphumelelayo namhlanje yi-Capital One 360 yokuhlola, enika izixhobo ezinkulu kwaye akukho phinda ihlawulwe. Akukho zihlawuliso zenyanga eziphindaphindiweyo, akukho mali yokugcina kwaye unokuvula i-akhawunti ngokungabi ncinane ibhalansi. Nokuba incwadi yakho yokuqala yokuhlola ikhululekile, njengokuba i-debit yakho nekhadi le-ATM. I-Capital One 360 ihlinzeka ngama-ATM angama-39 000 angena-mali kwilizwe lonke ngokusebenzisa inethiwekhi ye-ATM ye-AllPoint.
Ukongeza kweso sakhiwo sokuhlawula imali kunye nokusetyenziswa kwe-ATM yamahhala, ufumana yonke into onokuyilindela kwi-bhanki ye-intanethi, kubandakanya ukuhlawulwa kwebhilikhwe, idizithi yesheke yefowuni kunye neenketho ezine ze-overdraft ezikunika ukuguquguquka kokukhetha ukuba iintengo zenzeke ngokuzenzekelayo, udwebe i-akhawunti yokulondoloza okanye umgca-ngetyala okanye uhlawule umthengi ngesithuba semini esisodwa ngaphambi kokuba iintlawulo ze-overdraft zisebenzise.
02 Ukujonga ngokuthe tye kwi-Intanethi yokuTshintsho okulula: i-Ally Bank
U-Ally unika amazinga omdla okhuphisanayo, amava amaninzi kwi-intanethi nakuma-mobile, kwakunye nazo zonke iimpawu onokuzilindela kwi-bhanki ye-intanethi. Kodwa enye indawo apho u-Ally ephuma khona kukho ukhetho lokuthutha kwi-intanethi.
Abantu abanabantwana, ubomi bentlalo ehlalayo okanye iimali eziyinkimbinkimbi bayazi kakuhle ukuthunyelwa kwamanye ama-akhawunti. Kodwa ezinye iibhanki zenza oku kunzima kunokuba kufuneka, kwaye wonke umntu akasebenzisi iifowuni zokudlulisa imali ezifana neVenmo okanye iCash Cash. U-Ally unenkqubo yokutshintshwa kwangaphakathi esebenza kakuhle, kwaye ilungu lomnathali we-Zelle unikezela ngokutshintshwa kwexesha elifanayo kunoma ubani onayo i-akhawunti kwibhanki ethatha inxaxheba. Abanikazi be-Akhawunti banokufumana izihlawulelo zemali ze-ATM ukuya kwi-10 yeenyanga ngenyanga usebenzisa ii-ATM ezingaphandle.
03 I-Best Best yokuhlola i-Travel: iSwabi Bank
UCharles Schwab uyaziwa ngokubanzi ngokutyalomali ngaphezu kwebhanki, kodwa i-akhawunti yakhe eyaziwayo ye-Investor Checking ifanelwe indawo ebalulekileyo kuloluhlu. Umtshini wokuThengwa ngumrhumo-mali-mali, i-akhawunti-intanethi-intanethi efuna i-akhawunti engundoqo ye-Schwab. Inika umrhumo wesikhokhelo, ukuhanjiswa okulula kwii-akhawunti zeSchwab kunye ne-akhawunti yangaphandle, kwaye ibonisa kwi-dashibhodi enye yokutshala imali njengenye i-akhawunti ye-Schwab kubalimi-mali. Kodwa oko akuyiyo eyenza le akhawunti ikhetheke kakhulu ukuhamba.
I-akhawunti ye-Schwab Bank ihlola ii-akhawunti ziza nekhadi le-ATM ye-debit engakhokhelwa inkululeko yokusetyenziswa kuyo naphi na kwihlabathi. Kwikhaya lakho kwaye ufuna imali? Ungakhathazeki ngokufumana ibhanki yakho ukurhoxisa imali, ungaya kwi-ATM kwisitoreji, ibhar okanye nayiphi na ibhanki. IShawab ayihlawulisi nayiphi na iirhafu ze-ATM zangaphakathi okanye zangaphandle, kwaye uyazibuyisela ngokuzenzekelayo ngemirhumo ehlawulwe ngamanye amabhanki. Akunandaba nokuba u-US, iYurophu, iAsia, i-Afrika okanye kwenye indawo. Ukuba kukho i-ATM, ungayisebenzisa mahhala. Unokuthi unamathele ngaphandle kwemali kwi-Antarctica, kodwa iinkonzo zebhanki zihle kakhulu.
04 I-Best Best Yokuhlola i-Cash Back: Fumana iBhanki
Ufumanisa ukuba uyayaziwa kakhulu ngamakhadi-ngetyala, kodwa ibhanki epheleleyo. Yaye ukuba ufuna ukufumana imali ngokukhawuleza kwekhadi lokudibanisa kunye nokuthengwa kwe-intanethi, ukuVika kweCashback Checking yindlela yokuya kuyo. Abathengi bafumana enye ipesenti imali emva kokuthengwa okuqhelekileyo ukuya kwii-3,000 zamawaka ngenyanga, ekhokelela ku-$ 360 ngonyaka kwiimbuyekezo.
I-akhawunti ayikho umrhumo-ntlawulo kumsebenzi oqhelekileyo kwaye iza kunye nokuhlolwa kwamahhala. Abanikazi be-Akhawunti banokufumana iifowuni ezingenayo zikhululekile kwaye akukho mali ehlawulwayo ebuyisiwe. Umgca omkhulu wecala kule akhawunti kukuba i-Debit card debit card ayifumanekanga njenge-Visa okanye i-MasterCard yamakhadi e-debit. Kodwa ukuba unokudlulela phambili, uya kulonwabela ii-ATM ezingama-60,000 ezingena-ntlawulo kwilizwe lonke.
05 Ibhanki ye-Intanethi ye-Intanethi yeNtshisekelo: Everbank
I-Florida yase-Everbank ayinakukwaziwa njengamanye amanqaku kuloluhlu, kodwa kubalulekile ukujonga umntu ogcina i-balance balance in akhawunti yakhe yokujonga. Nangona i-akhawunti ineemfuno ze-balance balance ye-5,000 zama-R5 000, iziqinisekiso ze-Everbank zihlala zihlala kwiinqununu eziphezulu ezintlanu zenzalo zokujonga i-akhawunti. Ibhanki ngoku inika i-1,21 iphesenti ngo-APR ngonyaka wokuqala, kunye ne-0.25 ekhulwini kwiimali ezingaphantsi kwama-$ 10,000 ukusuka kuloo ndawo.
Ngokuqinisekileyo, unokuhambisa imali yakho ekujikelezeni iirhafu ezingenanzuzo emva konyaka, kodwa ukujonga i-akhawunti, iipesenti ezingama-0.25 yintlawulo yokhuphiswano. I-Everbank inikezela ukuhlawulwa kwemali ye-ATM kwiyiphi na ibhanki nje kuphela xa ugcina i-balance ye-5,000 yeeRhafu, kodwa akukho ntlawulo xa udibanisa ngaphantsi kwelo nqaku. Ayikho imirhumo yomsebenzi oqhelekileyo, kunye nemirhumo yeemfuno eziqhelekileyo eziqhelekileyo zihamba kunye nezinye iibhanki.
06 Eyona Ibhanki ye-Intanethi kwi-Budgeting: Simple
Uhlahlo lwabiwo-mali linye yezona ndawo ezinzima kakhulu ekulawuleni imali imihla ngemihla. Ulula ucinga ukuba akufanele kube njalo, kwaye wakha izixhobo zokuhlawula imali kwi-akhawunti yakhe yasebhanki. Ibhanki engena-ntlawulo ihamba phambili kwaye inika umgomo kwaye "ukhuselekile ukuchitha" iimpawu zokulandelela ezakhiwe kuyo. Ibhanki ikunceda ukulandelela imali yakho ukuze uchithe ngaphantsi, into enhle.
Abahlawulisi iirhafu zantoni na, nangona bengabuyiselanga imali yee-ATM zebhanki. Unokufumana imali ngaphandle kwe-AllPoint ATM, nangona kunjalo, ngaphandle kwemali. Ama-akhawunti alula awaniki i-checkbook, kodwa baya kuprinta kunye ne-imeyile yokutshekisha kwakho usebenzisa i-bill pay pay feature.
07 I-Bank Best Online yokulondoloza: I-Chime
I-Chime ne-Simple zifana kakhulu, njengoko zizonke iibhanki zemali-ntlawulo kunye namava e-bhanki yokuqala kwi-intanethi. I-Chime ayiyibizi i-akhawunti yokutshekisha, nangona oko kubaluleke kakhulu. Kunoko, bawubiza ngokuthi "iAkhawunti yokuThengisa," ehlala kunye neAkhawunti yokuThengisa i-Automatic Savings. Emva kokuba ubhalise kwi-Automatic Savings, i-chime ngokuzenzekelayo isindisa kuwe rhoqo usebenzisa i-Chime debit card. Ungakwazi kwakhona ukumisela i-percentage saving savings, umzekelo ukugcina iipesenti ezintlanu zenkokhelo yakho ngokuzenzekelayo.
I-akhawunti inika iinkalo ezininzi ozilindela kwi-bhanki ye-intanethi, kodwa ukuma enye indlela abaphatha ngayo idiphozithi ngqo. Esikhundleni sokubamba idiphozithi yakho ngqo "kwi-limbo" ukuya kwiintsuku ezimbini, abathengi be-Chime bafumana ukuhlawula kwabo kwiintsuku ezimbini ngaphambi kwexesha xa zithuba kwi-banking system. Nangona akufanele uhlawule umvuzo wokuba uhlawule ngenye indlela, ukufikelela kwangaphambili kwimali yakho akuyonto into embi.