Imisebenzi Yemali Eqhelekileyo Ngaphandle kweAkhawunti yeBhanki
Esinye isisombululo kukusebenzisa i- debit card ye-debit , ithuluzi elinjengebhanki elikunceda ukufeza imisebenzi efanelekileyo yezemali ngokwakho.
Asikho isidingo sokusebenzisa amakhadi ahlawulwe kuqala, kodwa yindlela emfutshane yokubhanka (ngaphandle zonke iingxaki ezifanayo kunye neebhanki).
Iiprogram kunye neenkonzo ze-intanethi nazo ezinye iindlela. Basebenza ngokukhawuleza kunamakhadi ahlawulwe, kodwa banokufanisa iimfuno zakho ngcono.
Amakhadi ahlawulwe
Amakhadi ahlawulwayo akuvumela ukuba wenze ezininzi izinto ezifanayo ozenzayo ngeakhawunti yokujonga. Nangona kunjalo, akudingeki ukuba uvule i-akhawunti yasebhanki esebenzayo ngokupheleleyo. Endaweni yoko, "ulayishe" imali kwikhadi lakho uze uchithe imali oyenayo. Ukwahlula okubalulekileyo phakathi kwamakhadi ahlawulwe kunye neakhawunti yebhanki kubandakanya:
- Awudingi ukuqala ngebhanki elithile elincinci (nangona iibhanki ze-intanethi azikho ubuncinane bhalansi okanye iimfuno zepositi).
- Akukho zikolo zokuhlola.
- I-Chexsystems kunye nezinto ezifanayo ngokubanzi aziyi kukuthintela ukuvula i-akhawunti.
- Unokuphepha okanye ukunciphisa iindleko zenyanga.
- Awunakuchitha imali eninzi kunayo okanye ungena kwi-matyala .
Amanye amakhadi ahlawulwe ngokutsha ahlawulwe iindleko zondlovu zenyanga kunye nezinye iirhafu, kodwa kukho amakhadi akhulu ngaphandle . Ukuba uya kugqiba ukuhlawula imali, unokuchitha imali encinci kunokuba ungayihlawula kwibhanki okanye umanyano wemboleko . Ngokomzekelo, amakhadi afana nekhadi le-Amex Serve angasifaka indawo ye-akhawunti yokujonga ngexabiso okanye ngaphandle kweendleko.
Ngoku, kwimisebenzi ethile yasebhanki, kunye nendlela yokuyenza ngaphandle kwe-akhawunti yasebhanki yebhanki.
Ukuchitha yonke imihla
Kuze kubekho uluntu luhamba lukhuni , imali yinto yokukhetha iindleko zemihla ngemihla. Ngezinto ezifana nokutya, igesi, ukuthutha, kunye nokuzonwabisa, imali ngokuqhelekileyo iyindlela efanelekileyo yokuhlawula. Ingqwalaselo eyintloko kukuba kufuneka ubeke imali kuwe, enokubakho ukhuseleko. Ngaphezu koko, ukuba ulahlekelwa yimali, akukho ndlela yokuyibuyisela.
Kukho umba wokufumana imali kwindawo yokuqala: Awukwazi ukurhoxisa imali kwi-ATM ngaphandle kokuba unayo i-akhawunti yebhanki okanye ulayishe ikhadi elihlawulwe kuqala.
Ikheshi ilungile kwiindawo ezininzi. Kodwa unokuba neengxaki zokutshintsha (okanye kunye nezicelo zokutshintsha ngqo). Ukwenza izinto zibe lula, zama ukufumana iindleko zincinci, kwaye uthenge izidluli (ezifana nebhasi okanye umzila ongaphantsi komhlaba) ukunciphisa inani lokuphathwa kwemali elifunekayo-kunye nenani leemali ozozigcina nazo .
Amakhadi e-debit akhokhelwayo anokunceda uninzi lwemfuno zakho zokuchitha kwansuku zonke. Ngokuqinisekileyo kukho indawo ezimbalwa ezingamkeli iplastiki , kodwa abathengisi abaninzi banomdla ukufumana intlawulo ngekhadi elihlawulwa ngaphambili. Enyanisweni, mhlawumbi abayi kuze bazi ukuba ngaba ikhadi elihlawulwa kuqala okanye ikhadi elide elikhutshwe ngebhanki . Unokuchitha imali eninzi njengoko ulayishiwe, kwaye ukuba ikhadi lilahlekile okanye libiwe, unokulikhansela kwaye ufumane indawo.
Ukuba ufune imali, kulula ukurhoxisa imali kwi-ATM .
Ukuhlawula iiBill ngaphandle kweAkhawunti yeBhanki
Ngelishwa, abavoli bavumi abamkeli imali. Iinkampani zenkampani (i-gas, amanzi kunye nombane), iinkampani zefowuni, iinshurensi, kunye neenkonzo zokubhaliselwa ngokuqhelekileyo zifuna ukuhlawulwa ngetshekhi, ikhadi okanye ukutshintshwa kwe-ACH kwi-akhawunti yakho yasebhanki . Ezinye iibhanki zivumela ukuba ungene kumntu kwaye uhlawule ngemali, kodwa umthwalo wokwenza uhambo nyanga zonke ngeeyure zoshishino.
Ukuba uceba ukuqhuba ngemali kuphela, cela abaqashi bakho apho unokuhlawula khona umntu. Abanye banika amaziko enkonzo zengingqi, ngelixa abanye bakuvumela ukuba uhlawule kwiivenkile zelizwe kunye nezitolo ezilula ( usebenzisa i-Western Union agents, umzekelo). Ukuba kufuneka uthumele i-imeyili ngenkokhelo, sebenzisa umyalelo wemali owenziwe ukuhlawulwa kwi-biller esikhundleni semali.
Kwakhona, amakhadi ahlawulwayo angenza izinto zibe lula (kwaye zingabizi ngaphantsi).
Amakhadi amaninzi ahlawulwayo anikezela intlawulo ye-intanethi . Unokumisela intlawulo, kwaye umniki wakho wekhadi uzakuprinta kwaye uthumele isheke kwi-biller yakho (okanye uthumele imali ngekhompyutha). Ingakumbi, inkonzo ingaba yinto ekhululekile. Ukuba i-biller yakho yamkela iintlawulo kwi-credit card okanye kwi-debit card, unokwenza unikeze inombolo yekhadi esikhundleni.
Iingxelo zokuHlaba
Xa uhlawulwa ngetshekhi kwaye ungenayo i-akhawunti yasebhanki, uyancipha. Kukho konke ukulungele ukufaka iitshekhi endaweni yokuzifaka. Ukuxhomekeka kweemali kukuvimbela ukuba uhambehamba ngexabiso elikhulu lemali, elingalahleka okanye lilinge ukuba uchithe okungaphezulu.
Nangona kunjalo, ngezinye iinkhathi kufuneka uhlawule isheke.
Ngaphandle kwe-akhawunti yebhanki efumanekayo, ukhetho lwakho olukhethiweyo lokukhangela i-check checking kungaba kuthatha isheke kwibhanki yombhikisho. Umzekelo, ukuba isheke lihlawula kwi-akhawunti yaseBhanki yaseMerika (khangela apho ufuna khona le ngcaciso ), thatha kwiSebe laseBenki yaseMerika ukuba ulikhethe. Mane uqaphele ukuba unokuba uhlawule umrhumo ukuba awuyi-akhawunti yomnini-akhawunti, kwaye isebe linokungafuni ukuhlawula imali.
Abathengisi banokukwazi ukukulungele ukukhangela imali. Umzekelo, i-K-Mart iphosa ezinye iitsheki zokukhulula , kwaye izitolo zomama kunye ne-pop othengayo rhoqo nazo zinokukwenza okufanayo. Ukusebenzisa le ndlela, kufuneka usayine isheke phezu komthengisi , onokuba yingxaki. Hlola ukuthengwa kweevenkile (ngokuqhelekileyo kwindawo efanayo kunye neentengiso zemali-mboleko ) kungase kube yinto yokukhetha, kodwa mhlawumbi baya kuhlawulisa ngaphezulu.
Ukuba awuyidingi imali ngokukhawuleza-okanye ukuba ufuna kuphela inani elincinci-ikhadi elihlawulwa kuqala lingena ngokufanelekileyo. Amakhadi amaninzi ahlawulwayo akuvumela ukuba ufake iikopi kwi-akhawunti yakho ngokufakela isithombe kunye nefowuni yakho yeselula . Kwiintsuku ezimbalwa, unokurhoxisa ezo mali kwi-ATM.
Ukugcina (kunye nokuLondoloza) Imali
Into enye ibhanki yenza kakuhle ibambelela imali kuwe. Nokuba ibhanki yakho iyatshisa okanye ichithekele yentlekele yemvelo, imali yakho kufuneka iqinisekiswe yi-FDIC . Imanyano yemboleko inokukhuselwa okufanayo . Kusemngciphekweni ukuhamba ngeenkunzi ezinkulu zemali okanye ugcine yonke imali yakho ekhaya-ingaba ibiwe okanye ifakwe emlilweni. Ukuba uya kuhlala ngaphandle kweebhanki okanye amakhadi ahlawulwe kuqala, fumana ukhuseleko olungenakukhusela umlilo kwaye ufumane indawo enhle yokufakela.
Amakhadi ahlawulwayo akuvumela ukuba ulondoloze ngokukhuselekileyo imali oyilayishayo kwiakhawunti edibene nekhadi lakho. I-akhawunti ingenakho okanye ingabi yi-FDIC-insured, kwaye ungeke ufumane inzala kwimali yakho yokonga , kodwa imali ayikwazi "ukuhamba yodwa" okanye ukunyuka kumsi.
Ukuthumela nokufumana Imali
Ukuba ufuna ukuhlawula abahlobo kunye nosapho (ngokuchaseneyo namashishini akuthumela umrhumo-mali), kukho iindaba ezilungileyo nezimbi: Unamathuba amaninzi ongekho ebhanki atholakalayo, kodwa ezininzi zeenkonzo zifuna i-akhawunti yebhanki (okanye ubuncinci ikhadi elikhethiweyo lokubhadela) ukusebenza.
Izicelo ezinjenge-PayPal, Square, kunye neVenmo zihlala zikhululekile kwiintlawulo zomntu, kodwa ufuna indlela yokuhlawula intlawulo. Kubantu abaninzi, oko kuthetha ukudibanisa i-akhawunti yasebhanki kwisevisi ye-intanethi, kodwa ngokucacileyo akuyiyo inketho ukuba akukho akhawunti yebhanki yokudibanisa.
Ngezinye iinkonzo, unokukwazi "ukulayisha" imali kwi-akhawunti ngokuthumela umyalelo wemali, kwaye abanye bakuvumela ukuba uthenge amakhadi kumthengisi ukufaka imali kwiakhawunti yakho. Umzekelo, i-PayPal inikezela ngamakhadi wam Cash, kwaye unako ukulayisha amakhadi athokhelwa ngemali ngemali yabathengisi njengeWalmart.
Fumana iNgxowa
Ukongeza kwindlela yokusetyenziswa kwemali yemihla ngemihla, iibhanki zebhanki ziboleka lula. Kodwa kunokwenzeka ukufumana mboleko ngaphandle kwe-akhawunti yebhanki.
Abathengisi bahlala becela iinkcukacha ze-akhawunti yakho yasebhanki xa ufaka isicelo semboleko ukuze bakwazi ukuxhasa imali mboleko kunye nokulandelela apho imali iya khona. Ukusetyenziswa ngaphandle kwaloo nkcazelo iphosa isikhunta kwimisebenzi. Okona, nangona ufumene imvume, kuya kufuneka wenze okuthile ngemali-mboleko-okanye uhlawule isheke okanye ugcine imali kwi-akhawunti ehlawulwa. Zonke ezibonisa ukuba ukuboleka kunzima ngaphandle kwebhanki.
Izinketho zakho zokuboleka zikhawulelwe xa ungekho phantsi. Kusenokwenzeka ukuba ushiywe ngababolekisi abancinci abancinane abafana neentengiso zemalimboleko kunye neentengiso zabathengi bemoto . Kodwa iifizi ziyaziwa phezulu xa usebenzisa loo mithombo. Ngaphambi kokuyeka ithemba, tyelela umanyano wekredithi okanye wendawo ebhanki kwaye ucele ukuba unokufumana imali mboleko. Kungathatha umgudu wokufumana imvume.
Xa uthengisa imoto, kufuneka ube nenhlanhla engcono, ngaphandle kwekhawunti yokujonga. Abathengisi bemoto abanokuzithengisa imoto yakho xa unqanda ukuhlawula, oko kunokubanika konke ukuzithemba abayidingayo ukuze bavume imboleko yakho.