Xa unesibini ebiweyo okanye elahlekileyo, kufuneka usebenze ngokukhawuleza ukuze uzikhusele kunye ne-akhawunti yakho. Ibhanki yakho iya kukunika ithuba lokubeka intlawulo yokumisa kwisheke esithile. Oku akuqinisekisi ukuba isheke ayiyi kukhishwa okanye ixoxwe, kodwa inokukunceda ukuyeka isheke ekuhambeni. Kubalulekile ukwenza ngokukhawuleza. Ngelishwa, awunayo into efanayo xa ufuna ukuyeka ukuhlawulwa kwekhadi lamatyala ekuhambeni, ngaphandle kokuba ikhadi lakho libiwe kwaye ubika ngokukhawuleza.
01 Qhagamshelana neBhanki yakho
02 Ukuqonda iMirhumo kunye neNtlawulo yeNtlawulo
Imirhumo yokumisa isheke iphakamileyo kakhulu, phantse ixabiso elifanayo ngokungathi ufanele ufumane isheke. Ibhanki ithatha uxanduva lokutshekisha ukuba unika ingxelo ngokukhawuleza. Esi sizathu esinye sezibonelelo ezongezelelweyo. Ukuba ingotshe ingaphantsi kwemirhumo, akufanelekile ukubeka intlawulo yokuyeka. Kufuneka ulungele ukuhlawula umrhumo, kwaye unokufuna ukuyihlawula kwakhona ukuba awufumananga ikhonkco ekhoyo xa ibamba liphela. Intlawulo yinto nganye, ngoko ukuba ngaba uninzi lwezinto ezibiweyo, iifowuni ziya kwandisa ngokukhawuleza. Khumbulani ukulinganisela inani elibhekiselwe kuyo isicatshulwa malunga nesidingo sokubeka intlawulo yokuyeka. Ukuba ukuhlolwa okungenanto kungabiwe, unokufuna ukuvala i-akhawunti yakho endaweni yoko.
03 Cinga ukuvala iAkhawunti yakho
Ukuhlawulwa kwekhefu isisombululo esihle xa uyazi enye yisesheke elahlekileyo okanye ebiwe ngeposi. Akusiyo isisombululo esifanelekileyo ukuba i- checkbook yakho ibiwe okanye ukuba ikhadi lakho lokubambisa libiwe. Kufuneka uqaphele ukuba ulwazi lwakho lungahle lugwenyiswe kwaye lugcine i-akhawunti yakho. Ukongezelela, ukuba iikokhwe ezininzi zibiwe, kungcono ukuba uvale i-akhawunti kwaye uvule entsha. Ibhanki inokukunceda ukuba udlulisele kwiimpawu ezizenzekelayo kunye neentlawulo xa uvala i-akhawunti kunye nabo. Kwakhona kubalulekile ukubeka i-akhawunti yakho kwiinyanga ezimbalwa emva kokuba isheke libiwe ukuqinisekisa ukuba awunayo enye imisebenzi yobuqhetseba. Nangona uvula i-akhawunti entsha, kuya kufuneka uhlolisise i-akhawunti yakho kwiinyanga ezimbalwa ezizayo.
I-04 Qaphela ukuLawulwa koLwazi
Emva kokuba isheke selebiwe, uqhuba umngcipheko ofanayo wokuba utshintshi oza kubakho emva kokuba i-checkbook yakho okanye amakhadi ekwereti abiwe. Uzakufuna ukubeka iliso iingxelo zakho zemali kwiinyanga eziliqela ezizayo. Ungasetha ifulegi kwiingxelo zemali-mboleko ezithi ibhanki kufuneka ikufonele ngaphambi kokuba iboleke imali okanye ifake ifriji kwingxelo yakho yekhredithi . Ukuba ucinga ngokuthenga ikhaya okanye imoto kungekudala, oku kungenako ukulungelelanisa, kodwa ingayigcina ingxelo yakho yekredithi kwaye ikukhusele ekufuneni ukuhlambulula umonakalo omkhulu kwixesha elizayo. Ukuba uya kuba lixhoba lobusela, uza kufuneka ugcwalise ingxelo yepolisa kwaye uthathe amanyathelo omthetho ukuze uzikhusele ukuze ukwazi ukuphikisana neentlawulo kwibhanki.
05 Ukukhusela iisheke zakho ekulahlekeni okanye ekubiwe
Uninzi olunokuthengiselana lungagqitywa kwi-intanethi oluphelisa imfuno yokuhlola. Ukuba awubhalisi ukuhlola rhoqo, gcina i-checkbook yakho ekhaya kwindawo ephephile. Ukuba usithumela isheke, unokufuna ukuthumela i-imeyile eqinisekisiweyo ngokuxhomekeke kwisixa sesheke. Ukongeza, kufuneka usebenze ukuze ugcine ulwazi lwakho lwekhadi lokulunga likhuselekile. Enye indlela efumana ulwazi lokufumana ulwazi lwakho lusebenzisa ukusetyenziswa kwabadlali abakufaka kuma-ATM nakwamanye amacebo. Ukuba kukho into ebonakalayo eyahlukileyo okanye icima nge-ATM, unokufuna ukusebenzisa i-ATM eyahlukileyo. Kubalulekile ukuqapha i-akhawunti yakho imihla ngemihla ukuze ukwazi ukubona ukuba i-akhawunti yakho iye yaphazamiseka kwaye iyayibika ngokukhawuleza. Oku kunokukunceda ugcine ixesha kunye nemali kwimirhumo.