Ngelixa iinkcazo zebhanki zingabonakala zibuhlungu, ziyimpawu ezibalulekileyo zokufikelela kwiinjongo zakho zemali. Ukuphonononga rhoqo le ngxelo ukwenzela ukuba wenze uninzi lwemali yakho kwaye ukhusele ukugcina kwakho.
Ziziphi iiNkcazo zeBhanki
Iingxelo zibonisa iinkcukacha ezibalulekileyo malunga neakhawunti yakho ngenyanga edlulileyo.
Ukuqala nokugcina izilinganiso: Bona ukuba unakho kangakanani kwi-akhawunti yakho ekuqaleni nasekupheleni kwexesha ngalinye. Ukuba umgomo wakho ukukhula iakhawunti yakho, oku kuvavanyo olukhawulezayo ukubonisa inkqubela yakho. Ukuba unayo ngaphezu kokufunayo kubhajethi yakho yenyanga, ungabona kwakhona ukuba kuninzi kangakanani ukufikelela ekugcinweni kwexesha elide kunye notyalo-mali.
Intsebenzo: Ingxelo yakho ibonisa yonke intsebenzo kwi-akhawunti yakho, kukunceda ukuba wenze ingqiqo apho imali ivela khona nalapho ihamba khona.
- Ii-Deposits: Bona zonke izongezo kwiakhawunti yakho, kubandakanye idiphozithi ngqo yomvuzo wakho , nayiphi na iireki okanye imali oyibeke kuyo kunye nezinye iikhredithi kwi-akhawunti yakho. Le ngcaciso inokukunceda uqonde ukuba ingeniso yakho yenyanga yintoni efumanekayo yokuchitha emva kweerhafu kunye nokuncitshiswa.
- Ukurhoxiswa: Udinga ukwazi malunga nokugqithiswa kwe-akhawunti yakho, ngoko ke ubuyekeze ukurhoxa kunye nokuchithwa ngokuchanekileyo. Iintlobo zokurhoxiswa ziquka imali oyichitha kunye nekhadi lakho lokubambisa, iintlawulo zebhanki ngokuzenzekelayo kunye nokuhoxiswa kwe-ACH , kunye nokurhoxiswa kwemali kwi-ATM.
- Imirhumo: Imali ingadla imali yakho yokugcina imali kwaye idibanise kwiindleko zonyaka. Fumana ukuba uhlawula iifizi zenyanga, iirhafu ze- overdraft , okanye ezinye iindleko. Ukuba ukhona, cela ibhanki yakho malunga nokuhlawula imali okanye uvule i-akhawunti yokukhangela yamahhala .
- Inzala yomvuzo: Ukuba ufumana inzala kwi-akhawunti yokulondoloza okanye izatifikethi zokupaka (iiCD) , uya kubona ezo ntlawulo kwi-statement yakho.
- Ezinye iintengiselwano: Ingxelo yakho ichaza yonke into kwi-akhawunti yakho. Ukuthengwa kwexesha elifutshane kuya kubonakalisa, ukukwazisa ngeziganeko ezibalulekileyo kwi-akhawunti yakho. Ngokomzekelo, unokubona ii-CD ezikhulayo , ukubuyisela iifomiti , kunye nohlolo oluvelele oluye lwahamba kwaye lwaxelwa kwi-akhawunti yakho.
Indlela yokusebenzisa zakho ingxelo
Ibhanki yakho izakudala izitatimenti zenyanga okanye ngekota kunye nokuzithumela kwidilesi yakho yeposi ngaphandle kokuba ungene ukungena kwiingxelo zebhanki zephepha.
Ukulinganisela i-akhawunti yakho: Kucetyiswa ukulinganisela okanye ukudibanisa i-akhawunti yakho yasebhanki inyanga nganye. Ukwenza njalo, hlaziya yonke into eyenziwa kwisitatimende sakho sasebhanki uze uqhathanise neengxelo zakho zezinto ezenzekayo kwi-akhawunti yakho. Oku kunceda ukuba wena kunye nebhanki yakho nivumelane malunga nokuba unayo kangakanani kwi-akhawunti yakho, ubuninzi bangezelelwe, kwaye ubuninzi besuswe. Ngamanye amaxesha, uya kufumana ukungahambisani-oko kulungile ukuba ziyimicimbi yesikhathi esicacisayo. Ngamanye amaxesha uza kubona iingxaki ezinzulu.
Khangela ubuqhetseba kunye neeposiso: Ingxelo yakho ibonisa irekhodi yazo zonke iintengo kwi-akhawunti yakho. Ukuba ubona nantoni engalindelekanga, cwaninga ukuthengiselana ukuze ubone ukuba ngaba ngumphumo wokuba okanye yephutha lebhanki. Kwiimeko ezininzi, umthetho wesigqeba ukhusela kwilahleko.
Ngokukhawuleza uzazisa ibhanki yakho, ukhuseleko olungakumbi-kodwa unokuba uxanduva lokulahlekelwa kwi-akhawunti yakho ukuba ulinde ngaphezu kweentsuku ezingama-60 ukubika ingxaki.
Ukuqonda iindleko kunye neengeniso: Iingxelo zeBhanki azixoxanga. Ukuba ufuna ukwazi apho imali yakho ihamba khona, imbali yakho yokuthengisela ixelela ibali elineenkcukacha ezinokukunceda ukulandelela imali yakho. Ukuba kufuneka wenze utshintsho kwibhajethi yakho, isitatimenti sakho singakubonisa ukuba yintoni impembelelo iya kuba nayo-kwaye inyanga ezayo iya kubeka uxanduva.
Yazi ukuba unakho: Ungekho uhlola i-akhawunti yakho yonke imihla okanye ubhalisele i-akhawunti izaziso , usenokungazi ukuba unjani imali ekuhloliseni nasekugcineni. Iingxelo zenyanga zibonelela ithuba lokuhlola kwaye ubone apho umele khona. Akunakwenzeka ukuba uphose iintlawulo kwaye uhlawule iifizi zentlawulo ngenxa yemali enganeleyo xa ugcina iithebhu kwi-akhawunti yakho.
Bhala iimali zakho: Iingxelo zi luncedo xa ufaka isicelo semali-mboleko kunye nakwezinye iimeko apho kufuneka uxwebhu lweempahla zakho kunye nemali engenayo. Njengoko igosa, amaxesha, amaxwebhu, ababolekisi bahlala befuna izitatimende ezimbini zebhanki xa zifaka izicelo zemali mboleko kunye neminye mboleko enkulu. Unokufuna intsingiselo yakutshanje yokuqinisekiswa kwemboleko yomfundi.
Iikhompyutheni kunye neeNkcazo zePhepha
Ngokwesiko, izitatimende zebhanki ziza ngeposi, zenza kube nzima ukuzinyamekela. Ngoku, iibhanki kunye neemanyano zeentengo zemali zikhuthaza izitatimende zekhompyutheni, kwaye unokukwazi ukuphepha iimali zenyanga zokugcina ngokuvuma ukuhamba ngephepha.
Iingxelo ezingapheliyo zikhethiweyo ezifanelekileyo ngenxa yezizathu ezininzi.
- Ubumfihlo: Ulwazi lwakho lomntu aluhambanga ngeposi nganye inyanga, ukunika amasela ithuba lokuba iileta nokuzisebenzisa ngenxa yokutshitshiswa kobunikazi. Ngaphezulu, akukho mfuneko yokutshabalalisa okanye ukukhusela loo maxwebhu emva kokuba uwafunde.
- Ukugcina nokufumana: Xa ukhetha izitatimende zecomputer, ibhanki yakho igcina ubuninzi beemali zembali kwi-intanethi. Unokukhuphela kwaye ulondoloze loo maxwebhu ngokwenza kube lula ukufikelela. Iikhompyutheni zekhompyutheni zisesandleni sakho se-24/7, kwaye azithathi indawo.
- Ukuzinza: Ukuhamba ngephepha kungasindisa iphepha, kodwa kunciphisa inani lemfuyo kunye nezinye izixhobo ezifunekayo ukwenzela ukuvelisa ingxelo kunye nokuzinikela kwikhaya lakho okanye kwiofisi.
Musa ukukhupha ingxelo yephepha ukuba ingxelo yekhompyutheni ayilungile. Ngamanye amaxesha kuthatha uxwebhu olubonakalayo ezandleni zakho ukwenzela ukuba wenze imisebenzi yenyanga yenyanga. Ukuba uya kususa izaziso ze-imeyile malunga nezitatimende ezintsha kwaye uzibhalile ii-akhawunti zakho, ungcono ukunamathela kwizitatimende zendalo zebhanki. Unokuhlala uhamba ngephepha elingapheliyo.