Ukutshintsha isheke kutshintsha iphepha ekusebenziseni imali. Kodwa oko kuthatha ixesha elingakanani? Ngaba unako ukukhangela isheke ngokukhawuleza xa uyifumana okanye ngaba ufuna ukulinda enye into? Ngamanye amaxesha ixesha liyinqobo. Ungadinga imali ngokukhawuleza, okanye unokungabaza malunga nokuba umlobi wekhenkethi uza kuba nexesha elingakanani imali ekhoyo ukuze ikhuphe isheke.
Indlela ekhawulezayo yokuphelisa naluphi na ukungaqiniseki kukukrakisha isheke.
Ukuxhomekeka ngokubhekiselele kwiCashing Check
Xa wenza isigqibo sokufaka okanye ukukhangela isheke, qondisisa into ozama ukuyifeza.
- Ukuhlawula isheke kuthetha ukuba uza kufumana imali. Unokuhamba kunye nenani elipheleleyo le ntlawulo, kwaye uya kukwazi ukuyichitha loo mali ngokukhawuleza.
- Ukushiya isheke kuthatha ukuyongeza kwi-akhawunti yakho kwibhanki okanye kwimanyano yemboleko. Uya kufumana isheke kwindawo ekhuselekileyo, apho ayikwazi ukulahleka okanye eyebiwe, kwaye ibhanki inokukuvumela ukuba uhambe kunye nenye okanye yonke imali yesheke. Nangona kunjalo, unokufuna ukulinda iintsuku ezimbalwa ngaphambi kokuba imali epheleleyo ifumaneke ukuchitha okanye ukuhoxiswa.
Ukuba ufuna nje ukufaka isheke ukwenzela ukuba ibhanki yakho iqalise ukuqhuba intlawulo ngokukhawuleza, unenhlanhla. Awudingi ukulinda ukwenza idipozithi, kwaye ezininzi iibhanki kunye neemanyano zeentengo zemvume zivumela ukuba ubeke iifowuni kwi-device yakho yeselula- ngexesha, naliphi na.
Ukuhlawula isheke kunokufuna umlenze ongaphezulu.
Hlola iBhanki yabaBhali
Indlela ekhuselekileyo nekhawulezileyo yokufumana imali yaya kubhankini yombhenkethi. Leyo yibhanki okanye inkontileka yemali ukuba imali ivela kuyo, kwaye unako ukufumana imali ngaphandle kwe-akhawunti yombhali wekhenkethi kunye nezandla zakho kwangoko kwibhanki.
Ukuba uya kwenye indawo, awukwazi ukuba yi-100 ekhulwini ukuba isheke ilungile.
Okokuqala, qaphela apho imali ikhona kwidiphozithi. Khangela igama lebhanki okanye i-logo phambi kwesheke . Qaphela ukuba akudingeki ukuba uye kwisebe elifanayo ukuba umlobi wetshekhi asebenzise; nawaphi na isebe lebhanki elinye liya kwenza. Qinisekisa ukuzisa ukuchongwa okufana negama ebhaliweyo kwisheke .
Ukuba awunayo i-akhawunti kule bhanki, lindela ukuhlawula imali ethobekileyo ukuze ufumane isheke. Usenokufumana nokuba ibhanki enqabe ukusebenzisana nawe ngenxa yokuba awuyena umthengi. Kwimeko apho, ukhetho lwakho luya kwenye indawo okanye uvule i-akhawunti.
Bhanki Yakho
Ibhanki lakho okanye umanyano wekhredithi unokuba yinto efanelekileyo, ecinga
- Awunakhathazeka ngetekisi yokukhangela (okanye ubuyiswa ngenxa yokuba umbhali wokukhangela akanalo imali eyaneleyo yokukhangela isheke).
- Ingxowa ingaphantsi kwama-$ 200 (okanye isheke esikhutshwe nguhulumeni).
- Awufuni ukuhlawula imali.
I-bhanki yakho, ke, kufuneka ihlawulwe i-check for free for you a customer. Nangona kunjalo, kuya kuthatha iintsuku eziliqela ukukhangela ukukhangela , ngoko awuyi kukwazi ngokukhawuleza ukuba isheke liya kuhlawula. Ibhanki yakho inokukunika imali-ibhanki ngokuqhelekileyo ikuvumela ukuba uthathe i-$ 200 ngokukhawuleza okanye ngosuku olulodwa, ucinga ukuba akukho nto ibonakala i-fishy-kodwa uya kufuneka uyibuyisele loo mali kunye neentlawulo xa kuvela ukuba iteksi iyaxhaswa.
Ukuba uthemba umlobi wekhenkethi kwaye ufuna nje ukufumana imali ngokukhawuleza, uya kusindisa imali ngokuya kwibhankini yakho.
Uhlobo lwezinto
Uhlobo lokutshekisha ozama ukwenza imali lubalulekile. Kwakhona, iibhanki zifunwa kuphela ukwenza i $ 200 yokuqala kutholakale kuwe ngosuku olunye lweshishini ukuba isheke lijongene nomntu okanye isheke lokuthengisa. Nangona kunjalo, iitshekhi ezikhutshwe ngu rhu lumente ziphathwa ngokungafaniyo: Unako ukufumana ipesenti ezingama-100 ngemali ngokukhawuleza. Ngokuxhomekeke kwiinkqubo zebhanki yakho, ezinye iitshekishe ziyakwazi ukufaneleka (ezifana nokuhlola i-cashier , i-payroll checks kubaqeshi bendawo, kunye neentlawulo kwiinkampani zomshuwalense).
Ukuba awukwazi ukuhlawula isheke malunga neepesenti ezili-100 zexabiso, unokufuneka ufake i-check-and type of deposit matters. Iifosti ezenziwa kumntu-kubasebenzi bebhanki zilungele ukuba ufuna imali ngokukhawuleza.
Unokwenza idipozithi kwi-ATM okanye usebenzise idivayisi yakho yeselula, kodwa ezo ndlela zingabangela ukuba kubekho ixesha elide.
Kwakhona, unembopheleleko ukuba i-check is a bounces, nokuba ibhanki ikuvumela ukuba uphume ngemali okanye wenze imali ifumaneke kwi-akhawunti yakho. Yingakho i-scashier's scic scams iyingozi kakhulu . Wonke umntu uthatha iitshekhi ze-cashier zikhuselekile, kwaye abagxeki basebenzisa inkolelo ephosakeleyo.
Abathengisi kunye nokuThengisa iiShishini zokuThengisa
Ukuba izinto azisebenzi kunye nebhanki yakho-mhlawumbi kuba emva kweeyure, okanye mhlawumbi ibhanki yakho ayiyi kuhlawula ngaphezu kwe-200-unokuzama ukufumana imali kumthengisi. Uza kuba nenhlanhla eninzi kunye nokuhlolwa kwekarhulumente-kukhutshwe kunye nokuhlawula i-payroll, kodwa unokukwazi ukuhlawula iikopi ezincinci.
Ibhokisi enkulu ivenkile kunye neevenkile eziqhelekileyo zivame ukuhlola imali ngemali ephantsi. I-Kmart iyingqayizivele, njengowokuwa kwe-2017, kuba unako ukuhlawula i-personal check up to $ 500, ngelixa abanye abaninzi abathengisi banamathele kwiihlole zikaRhulumente, iirekhodi zokuhlawula kunye nemirhumo yemali . Oko kwathiwa, ukuba unesicatshulwa esincinci (ngaphantsi kwe-$ 25, umzekelo), unokuhlala ucela umntu kwidesksi yesevisi yabathengi kwaye banokwenza okungafaniyo.
Ukujonga ukuthengwa kwempahla kukunye ukhetho, kwaye bazimisele ukubeka umngcipheko, kodwa bahlawula iindleko eziphezulu. Esinye isikhumbuzo sokugqibela: Njengawe ebhankini, usekhokheni ukuba i-check is bounces. Aba bathengisi bangakuvumela ukuba uhambe kunye nemali, kodwa baya kulindela ukuhlawulwa kwakhona xa isheke libuyiselwa, kwaye baya kuthatha isenzo somthetho ukuba awuyi kuhlawula .
Iikopi eziPhezulu
Kuthekani ukuba iteksi ibhaliwe kunye nomhla weveki ezayo? T hen ungayifumana ngokukhawuleza? Kwiimeko ezininzi, ungayinakuyinyamekela into yokuba isheke lidlulileyo . Nangona kunjalo, mhlawumbi isizathu sokuba umlobi wokukhangela ukhishwe isheke, njengokuba kungekho mali kwi-akhawunti. Kungenokuba luncedo ukuba ukwazi ukuba isizathu ngaphambi kokuba uzame ukufaka okanye ukheshi imali. Ukuba imali ayifumaneki, awufuni ukuchitha uhambo oluya kubhankini lombhenkethi, okanye ufuna ukuhlawulwa kweebhanki kwibhankini yakho ngokufaka isheke elibi.