Iyintoni iDisposithi ngqo?
Idiphozithi ngqo yintlawulo yekhompyutha kwi-akhawunti enye yebhanki enye. Ngokomzekelo, imali ihamba kwi-akhawunti yebhanki yomqeshi kwi-akhawunti yebhanki yomqeshwa, nangona kukho ezinye iindlela ezininzi zokusebenzisa idiphozithi ngqo.
Ukwenza ukudluliselwa, iibhanki zisebenzisa inethwekhi ye - Automated Clearing House (ACH) , ejongene nale ntlawulo phakathi kwamaziko emali.
Ukuthengiswa ngokuzenzekelayo: Xa ufumana imali nge-deposit ngqo, ibhalansi yakho yekhawunti iya kwanda ngokuzenzekelayo xa ukuhlawula kufikile. Awudingi ukuba "wamukele" intlawulo okanye ubeke iifowuni kwi-akhawunti yakho, eya kufuneka ukuba ufumene imali okanye isheke. Ngokufanayo, xa uhlawula ngediphozithi ngqo, i-akhawunti yokutshekisha i-akhawunti iya kuncipha ngokukhawuleza xa ukuhlawula kuphuma.
Ukusetyenziswa rhoqo: Idiphozithi ngqo iyakuthandwa, kwaye iiligidi zezigidi zeentlawulo ze-ACH zenzeka rhoqo ngonyaka. Amanye amasebe karhulumente, afana noLawulo loKhuselo loLuntu, asaphindi athengise iireki. Kunoko, bafuna ukuba ufumane imali ngekhompyutha (mhlawumbi nge-deposit ngqo okanye ngekhadi lokukhishwa ngokukhawuleza). Abaqeshi banokukwenza kube nzima ukufumana umvuzo ngetshekhi.
Kutheni Usebenzisa I-Deposit Direct?
Kukho izizathu ezininzi zezo zombini kunye nabathengi ukusebenzisa idiphozithi ngqo:
- Iifomethi ezizenzekelayo. Xa ufumana imali nge-deposit ngqo, iimali zongezwa kwiakhawunti yakho ngaphandle kwesenzo esilufunayo. Enoba ungaphandle kwedolophu okanye uxakeke kakhulu ukwenza ukuba ibhanki, i-akhawunti yakho iya kukhankanywa.
- Akukho imeyili okanye iphepha. Ngeentlawulo zekhompyutha, akudingeki uprinte ukuhlola okanye uhlawule ukuze uthumele iposi. Ama-Paye akudingeki ukuba alinde kwi-imeyile okanye afumane iireki kwi-bhanki (nangona idiphozithi edeleyo yenza iikopi zokufaka iifowuni zilula ). Iintlawulo azilahlekanga ngokude uzibeke ngokuchanekileyo ngexesha lokuqala.
- Iirekhodi zombane. Wonke umntu unengxelo yokuhlawula, kwaye kulula ukubona oko kwenzekayo kwimbali yokuthengisisa iakhawunti yakho. Akudingeki ukuba ubhale phantsi iinkcukacha malunga nentlawulo.
- Khu seleko. Akukho mntu unokuba isheke, uyitshintshe, kwaye uzame ukuyifumana. Iimali zihamba ukusuka kwelinye i-akhawunti ukujonga enye.
- Iindleko. Ngokukhululekile ukufumana iintlawulo, kwaye ukuthumela imali nge-ACH kudla ngokubi kakhulu kunezinye iindlela. Awuyi kuhlola iifowuni, iimvulophu, okanye ukuthumela ngokukhawuleza.
- Ukuhlawuleza ngokukhawuleza. Ngamanye amaxesha iintlawulo zihlawulwa ngokukhawuleza nge-deposit ngqo, kunye neentlawulo ezifikile ekuhloleni i-akhawunti ngosuku okanye ezimbini ngaphambi kwephepha lokuhlola zifika kwamanye amakhaya abasebenzi. Ngaphezu koko, imali ikhona yokuchitha imali, kwaye akukho mfuneko yokufaka isheke kwaye ulindele ukuba icime .
Indlela yokuseta iDisposithi ngqo
Ukufumana iintlawulo ngekhompyutha , kuya kufuneka unikezele ngolwazi lwe-akhawunti yebhanki kwintlangano ehlawulayo.
Basenokufuna ukuba usebenzise ifomu ethile (cela "ifom ye-deposit ngqo") okanye unokwazi ukubonelela nje isheke esinqunyiwe . Kwezinye iimeko, uya kunika ulwazi lwe-akhawunti yakho kwi-intanethi.
Ukuthumela iintlawulo ngekhompyutha , uya kufuna udlelwane kunye neziko lemali elibonelela ngeentlawulo ze-ACH. Iibhanki zebhanki zoshishino, iinkonzo ezithandwayo zokugcinwa kweencwadi, kunye nababoneleli ngee-payroll banokunikela ngeenkonzo, ngoko cela abadayisi abasele basebenzise. Hlanganisa ulwazi malunga neentlawulo zakho, kwaye uquke iinkcukacha ezichaphazelekayo kwimithetho yendawo kunye neyomthetho ngelixa ubeka idiphozithi ngqo.
Ukufumana iintlawulo, kuya kufuneka ufumane iinkcukacha ezingezantsi kwintlangano eya kukuhlawula.
- Inombolo yeakhawunti yeBhanki
- Inamba ejikelezayo
- Uhlobo lwe-akhawunti (ngokuqhelekileyo i-akhawunti yokutshekisha)
- Igama leBhanki kunye nedilesi (ungasebenzisa nayiphi na isebe lebhanki okanye umanyano wekhredithi oyisebenzisayo - akumele ube yisebe lendawo yakho)
- Igama (s) zabanikazi be-akhawunti ezidweliswe kwi-akhawunti
Unokufumana uninzi lwaloo nkcukacha kuyo nayiphi na isheke , okanye ungabiza ibhanki yakho kwaye ucele ulwazi oluchanekileyo lwentlawulo. Iinkcukacha zihlala zifumaneka kwi-intanethi ngokunjalo, kodwa kungcono ukungena kwi-akhawunti yakho ngolwazi oluchanileyo. Qaphela ukuba ukuhamba kwebhanki yakho kunye neenombolo ze-akhawunti zinolwazi olubukhali. Ungabaniki loo manani kunoma ubani ngaphandle kokuba uyabathemba ngokwenene.
Ukubeka idiphozithi ngqo kungathatha naphakathi kweentsuku ezimbalwa kunye neveki ezimbalwa. Buza umqeshi wakho ukuba ungalindela ukwenzela ukuba ungakhangeli iintlawulo zakho kwindawo engafanelekanga.
Emva kokuba yonke into isetyenzisiwe, iintlawulo zakho ziya kufika kwi-akhawunti yakho yasebhanki ngokuzenzekelayo. Qiniseka ukujonga ibhalansi yakho ekhoyo kwi-akhawunti yakho yokujonga ngaphambi kokuba uzame ukusebenzisa nayiphi na loo mali. Iintlawulo zikaRhulumente ezifana nokubuyiselwa kwemirhumo yentlawulo kunye neentlalo zeNtlalo-ntlawulo zifumaneka ngokukhawuleza. Ezinye iintlawulo zingabanjwa iintsuku ezimbalwa, kodwa iintlawulo ezivela kubaqeshi zifumaneka ngokukhawuleza.
Ezinye iintlobo zeentlawulo: Idiphozithi ngqo ayikho nje umvuzo.
- Iikontraki ezizimeleyo: Ibhizinisi lakho lihlawula iikontraki ezizimeleyo kunye nedizithi ngqo. Isofthiwe yakho yokugcina incwadi okanye umniki-ntlawulo wenkokhelo wamanje kufuneka akwazi ukufumana ezo ntlawulo ngokukhawuleza, nangona indleko ingaba phezulu kuneendleko zokuhlawula abasebenzi base-W-2.
- IiNzuzo zoKhuseleko loLuntu: Emva ko-2013, uLawulo lwezoLuntu lweNtlalo lufuna ukuba abaxhamli bafumane iintlawulo ngekhompyutha. Ukubhalisela iintlawulo zekhompyutha, tyelela i-website yeSebe le-Nondyebo ye-US. Ungatshintsha kwakhona imiyalelo ekhoyo ekhoyo kwi-wwwSSA.gov.
- Ukuxhaswa kwabantwana kunye nokugcinwa: Ukufumana inkxaso yokuxhasa abantwana kunye nokugcinwa kweentlawulo ngekhompyutha, qhagamshelana neSebe lakho likarhulumente elinoxanduva lokusingatha ezo ntlawulo.
- Ukubuyiselwa kwemali yentlawulo: Uzakufumana imali yakho ngokukhawuleza xa usebenzisa idiphozithi ngqo yokubuyisela irhafu. Tshela i-preparer yakho yentela ekhethayo idiphozithi ngqo, okanye unikele ngeenkcukacha ze-akhawunti yakho yasebhanki xa ufaka ibuyiselo yakho. Ungakwazi ukwahlula kwakhona imali yakho yokubuyisela imali ukuze imali ingene kwiingxelo ezininzi, okwenza kube lula ukugcina enye yale mali. Ukubonelela ngokucacileyo imiyalelo yokufaka idiphozi, sebenzisa isigaba sokubuyisela imali kwiFomu 1040 Umgca 76, okanye ifomu 1040EZ Umgca 13.
Amanyathelo alandelayo
Ngoku ukuba uyazi ukuba kulula kangakanani ukufumana iintlawulo zekhompyutha, unokufuna ukuqala ukuthumela iintlawulo ngendlela efanayo. Wena, njengomthengi, unokusebenzisa iteknoloji efanayo ukuphepha ukuhlola, ukuhlawula iposi, nokufumana iibhoyili kwi-imeyile ngexesha.
Kukho iindlela ezimbini zokwenza oku: misela inkokhelo yentlawulo ye-intanethi ngebhanki yakho, okanye usethe iintlawulo ze-ACH kunye nabani na omele uhlawule.
Kuhlala kuluvo oluhle ukujonga ii-akhawunti zakho ngezikhathi ezithile ukufumana iimpazamo kunye nempawu zokuba utywala . Njengoko uqala ukuthumela nokufumana iintlawulo zekhompyutheni, kulungile ukujonga kwiakhawunti zakho rhoqo - ubuncinci uze ubone indlela yonke into isebenza ngayo. Ukuba utshintshela kwi-rejista yetsheksi-based based, kuya kuthatha ezinye izinto ukuzisebenzisa, kodwa unako ukuqhubeka nokulinganisela i-akhawunti yakho njengoko wenze esikhathini esidlulileyo.
Kwakhona ingcamango enkulu yokusekwa izilumkiso ukuze ukwazi ukufumana i-imeyile okanye umyalezo wombhalo xa kwenzeka okuthile kwi-akhawunti yakho. Ngokomzekelo, unokwaziswa xa kukho idiphozithi okanye uhoxise, ngoko uya kukwazi ukuba ziza kufika iintlawulo.