Phendule elo phepha ibe yinto onokuyisebenzisa
Ukulahla isheke ngoku kulula kunanini ngaphambili. Xa ufumana isheke, ukubeka intlawulo ijika loo maqhekeza ephepha ukuze usebenzise imali. Iimali zihlala ngokukhuselekileyo kwiakhawunti yakho, kwaye unendlela ezininzi zokusebenzisa imali: Yenza imali, uhlawule iindleko ze-intanethi , uthengise ngekhadi lakho lokubambisa okanye i-checkbook, okanye uthumele imali ngekhompyutha .
Ubeka njani isheke? Akunzima, kwaye ungakhetha indlela ehambelana nendlela yokuphila.
Kuphi ukwenza iiDepositi
Ngokuxhomekeke kwibhanki okanye inkontileka yemali oyisebenzisayo, kufuneka ube neenketho ezininzi zeediphothi.
I-Deposit kunye neso sakho sesefowuni: Ikhetho elikhawulezayo nelona likhethekileyo kukusebenzisa idivayisi yakho yeselula.
- Landa i-app yakho yebhanki. Qinisekisa ukusebenzisa i-app esemthethweni ukuze unganikeli ulwazi lwebhanki kumasela.
- Fumana inketho yokufaka iireki kwaye uqale inkqubo.
- Vumela isheke (bona iinkcukacha ezingezantsi).
- Thatha umfanekiso wamacala omabini omatshini.
- Nika iinkcukacha malunga nokukhangela. Unokufuna ukufaka isixa sokuhlawula kwaye uqinisekise ukuba insiza ifunda i- akhawunti kunye neenombolo zokuhamba kwisheke ngokuchanekileyo.
Ukufumana iinkcukacha ezipheleleyo, khangela indlela yokwenza iifowuni zihlole iiDiskithi .
Ukutyelela isebe: Ungaphinda ufake i-checks kumntu kwelinye lamasebe asebhanki yakho. Ubuncwane bokufakela kumgcini-mali kukuba enye yemali yakho ingafumaneka ngokukhawuleza kuba iifomethi zabasebenzi bebhanki ziyakusula ngokukhawuleza.
Ukuba usebenzisa i-credit union , ungayifaka i-checks nakwiyiphi na imanyano yemboleko eyingxenye yenethiwekhi yokubambisana. Awunayo ukutyelela i-credit union yakho- ungaya (phantse) nayiphi na isebe ekhoyo kwaye evulekile xa uyayidinga.
- Vumela isheke.
- Gcwalisa idipizithi yediphozithi , kwaye unike isheke kwi-teller.
- Qinisekisa ibhalansi yakho entsha ye-akhawunti ngaphambi kokushiya ibhanki.
I-Deposit kwi-ATM: Ezinye iibhanki kunye neemanyano zesikweletu zikuvumela ukuba ubeke iireki kwi-ATM, ekulungele ukuba awukwazi ukufikelela kwisebe ngexesha leebhanki. Iibhanki ezahlukeneyo zinemfuno ezahlukileyo (nokuba unayo imvulophu kunye nesimboli sediphozithi, umzekelo), ngoko funda ngokucacileyo imiyalelo esesikrini. Kwiimeko ezininzi, inkqubo:
- Swayipha okanye faka ikhadi lakho.
- Faka iPIN yakho.
- Khetha ukhetho lokufaka imali.
- Faka iitsheki kunye nemali (mhlawumbi ngomntu omnye okanye kwisixuku).
- Qinisekisa ukuba idizithi yedizithi i-akhawunti yakho.
Iimali zifumaneka kwiintsuku ezimbalwa. Ukufumana imiyalelo engakumbi, jonga indlela yokwenza iifomethi kwiATM .
Sebenzisa i-imeyile: Unokuthumela i-imeyile ukuhlola kwiibhanki yakho. Awuze ufune ukuthumela imali, kodwa ukuthumela iitshekhi ngeposi kuphephile . Buza ibhanki yakho ukuba zeziphi iimfuno. Kwiimeko ezininzi, kufuneka udibanise isimboli sediphozithi uze uvumele isheke. Leyo akuyona indlela ekhawulezayo yokufaka iitshekhi, kodwa unokwenza konke ngexesha lakho.
Okukufunayo kwiDispos yokuHlola
Ukwenza idiphozithi akulula nje ngokuhambisa isheke kumtshi okanye ukutshiza isithombe-kodwa sisondele.
Ukuvuma: Ngokuqhelekileyo kufuneka uvume isheke ngokusayina igama lakho ngasemva kwetshekhi .
Ngokwenjenjalo, ukwenza njalo kunika ibhanki yakho (okanye nayiphi na i-checksheet yavunyelwa) ilungelo lokuqokelela imali-ke ungavumi uze uqiniseke ukuba isheke liza kubhankini.
Ukufumana ukhuseleko olongezelelweyo, ungasebenzisa "ukukhawulwa" kwemvume, ethi imali inokufakwa kuphela kwi-akhawunti yakho. Ukuhamba kakuhle xa ikhefu ilahleka okanye ibiwe. Ukukhawulela ukuvuma, tyikitya igama lakho uze ubhale "Ukuze ufake idiphozi kuphela kwi-akhawunti ###" (sebenzisa inombolo yakho ye-akhawunti esikhundleni seempawu zamanani). Ngeendlela ezongezelelweyo zokuvumela, khangela iiSiseko zoVavanyo zokuVumela .
Idipozithi idibanisa: Ungadinga ukuzalisa isaliti sokuposa xa ubeka isheke sephepha. Iifolothi zee-deposits zinika ulwazi lomqeshwa webhanki ufuna ukufumana imali kwi-akhawunti yakho: inombolo yakho ye-akhawunti, imali oyibekayo, kunye nokunye.
Ukuchonga: Ukuba wenza idiphozithi kumntu, velisa ukuchongwa okusemthethweni, njengelayisenisi yokuqhuba, ipasipoti, okanye enye i-ID ekhutshwe nguRhulumente. Oku kuyafuneka nangona ukongeza imali kwi-akhawunti-ungathathi imali. I-ID ibaluleke ngakumbi xa u tyelela elinye isebe leyunivesithi ukuba ubeke isheke.
Iingxelo zokuHlaba
Ukuba uceba ukuchitha yonke imali ngokukhawuleza (kunye nekheshi), unokuzama ukukhangela isheke endaweni yokuyibeka. Uyakwazi ukunyuka ukuya kuma-$ 200 ngokukhawuleza ekuhloleni kwakho, kwaye unokukwazi ukufumana ngaphezulu ukuhlola okusemthethweni njengendlela yokuhlola i-cashier .
Nangona kunjalo, kuyingozi ukuthabatha imali kwaye uyichithe ngaphambi kokuba wazi ukuba itekisi ilungile-ukuba isheke lihlawulela, kufuneka uhlawule ibhanki yakho nayiphi na imali oyithathayo. Indlela yodwa yokwazi ngokuqinisekileyo ukuba itekisi ilungile ukuyifaka kwi-bhanki elifanayo isheke libhalwa. Ngamanye amagama, uye kwibhanki yombhali wekhenkethi uhlawule isheke-igama lebhanki liboniswa kwisheke .
Kakade, kusemngciphekweni ukuhambahamba ngeemali ezinkulu ngenxa yokuba loo mali ilahleka okanye ibiwe. Ngokuqhelekileyo kulula ukuchitha imali kwi-akhawunti yakho yokukhangela ngekhadi lokubhadela okanye uhoxise imali kwi-ATM kamva xa uyayidinga.
Ngaba Ukhangele nawuphi na olungileyo?
Qinisekisa ukuba ukuhlolwa kukusemthethweni, kwaye wenze umgudu wokuqinisekisa ukuba okanye abayi kukhwela ngaphambi kokuba wenze idipozithi. Ukuba umntu okanye inkampani ebhalile isheke ayinayo imali eyaneleyo yokufihla intlawulo, ibhanki yakho inokukuhlawula imali-nangona ingaba iphoso lakho.
Ukuba wenza umkhwa wokubeka iireki ezibi, ibhanki yakho inokuthi ivalise i-akhawunti yakho. Naluphi na ukhathazeke ngeteksi, qhagamshelana nebhanki isheke libhalwa ngokuchasene nokuqinisekisa imali kwi-akhawunti kwaye ufumane ukuba isheke liza kubetha.
Apho engekho iComposit Checks
Ukunciphisa imali kwi-bhanki yakho okanye umanyano wekhredithi yindlela ekhuselekileyo neyona ebiza kakhulu. Unokulingwa ukuba uhlole i-cash checks kwiindawo ezininzi "ezifanelekileyo" ezifana neentengiso zemali ye-payday okanye ukhangele iindawo zokugcina imali. Ukuba wenza njalo, uya kuhlawula kakhulu. Namavenkile athabatha iifizi, ezinokuzifaka kwiingheke ezincinci.
Ukuba awunayo i-akhawunti kwibhanki okanye umanyano weentengo zemali, ufuna ngokwenene- kukukugcina ixesha nemali. Nangona kunjalo, abanye abantu abakwazi okanye abayi kuvulwa i-akhawunti yebhanki. Ukuba ukhona kweli qela, ikhadi elihlawulwa kuqala lingaba yinto efanelekileyo : Amanye amakhadi anokuvumela ukuba wenze i-check yetshekhi yesitokethi ukudibanisa kwibhalansi yakho, ekunceda ukugcina imali ngokukhuselekileyo. Abanye banobambiswano kunye neendawo zokuthengisa, ngoko unokuzisa ii-check to certain stores ukuze ungeze kwi-akhawunti yakho.