Indlela yokuvula i-Akhawunti ye-Credit Union

Ukudibanisa Kulula

Imanyano yematyala yindawo enhle yokugcina imali yakho kwaye ufumane iimboleko. Ngokuqhelekileyo ibheji ekhuselekileyo yokufumana ukukhangela kwamahhala , kunye namaxabiso kwi-akhawunti yokulondoloza kunye neengxowa-mboleko zikhuphisana. Ngaphezulu, ezi ziko zihlala zendawo , ngoko zigcina imali (kunye neengqalelo zabo) kwindawo efanayo.

Kwabanye, ithemba lokuvula i-akhawunti kwingxowa-mboleko yekhredithi iyasongela. Xa "ukufaneleka" kunye "nobulungu" beza, bacinga ukuba inkqubo inzima - kodwa ilula kakhulu.

Ukuvula i-akhawunti kumanyano we-credit, uza kufuneka:

1. Hlangana neemfuno zokufaneleka (oku kudla ngokulula kunokuba kuzwaka).
2. Yenza idizithi encinci (idla ngo-$ 5 ukuya kwi-$ 25 okanye njalo) ukuba ube ngumnikazi welungu.
3. Qala ukusebenzisa i-akhawunti yakho.

Siza kuhlaziya nganye yezo nyathelo ngokubhekiselele ngezantsi. Ukuba awuqinisekanga ngokuqinisekileyo ukuba la maziko asemali asebenza ngamakhasimende asebenza njani, funda i-summary of services unions and services .

Inyathelo 1: Ukudlala Intsimi

Ukujoyina inyunithi yemboleko yemali, kufuneka ube yinxalenye yale ntsimi yebhanki yamalungu . Oko kuthetha ukuba kufuneka ube nohlobo oluthile oluxhamlekileyo kunye namanye amalungu e-credit union.

Kulula kakhulu ukufumana inyunyana yekhredithi ukuba uyakwazi ukujoyina. Ezinye izinto ezinokukuvumela ukuba ufaneleke zibandakanya:

• Umqeshi wakho usungule ubudlelwane kunye nomanyano wekhredithi, kwaye bonke abasebenzi bavunyelwe ukuba bajoyine.
• Amanyano ekhredithi asekelwe kuluntu avumela umntu ohlala kwindawo ethile (isixeko, urhulumente, okanye omnye ummandla wendawo) ukujoyina.

• Amalungu entsapho angavula iingcango. Unokwazi ukujoyina inyunithi yemboleko ngokusekelwe kwisikhundla sobuhlobo sokuhlangabezana neemfuno zobulungu (nangona loo mntu engekho ilungu).
• Umsebenzi wakho, kungakhathaliseki ukuba umqeshi wakho, unokukunceda ukuba ufaneleke.

Ukujoyina inhlangano inokukwenza ukuba uvumeleke kwiimanyano ezithile zeentengo zemboleko, ezenza ukuba izinyunyana zeentengo zemboleko zivulekele malunga nantoni na .

Ungadinga ukwenza umnikelo othobekileyo, kodwa unokukwazi ukujoyina iqela (ngamanye amaxesha mahhala). Ngokomzekelo, i-NASA Federal Credit union iyabonakala ivulelekile kubaqeshwa be-NASA kunye nabathathe umhlala-phantsi - kodwa nabani na ongakwazi ukujoyina emva kokufumana ubulungu bentlalo kwi-National Space Society (NSS).

Indlela yokufumana inyunyana yekhredithi: Ukuba ufuna ukufumana inyunyana yemboleko yokuba uvumelekile ukujoyina, cela abasebenzi bakho, abamelwane kunye nabahlobo apho baya khona. I-National Credit Union Administration, urhulumente karhulumente ojongene nolawulo lwama-credit unions, unakho ithuluzi lokukhangela inyunyana.

Inyathelo 2: i-$ 5 Nceda

Emva kokuba uthathe inyunyana yekhredithi, vula i-akhawunti ngokuhamba kwaye ucele isicelo (okanye wenze konke kwi-intanethi , ukuba kunokwenzeka).

Ukuze ube "ilungu" lomanyano weentengo zemali uza kuyidinga ukwenza idiphozithi ethobekileyo, emele ukuthengwa kwakho kwesabelo kwinkontileka yekhredithi. Idiphozithi isoloko incinci njenge-$ 5 ukuya kuma-25. Qaphela ukuba kuya kufuneka ukuba ushiye loo mali kwi-akhawunti yakho ngamaxesha onke - ngoko ke ukuba i-akhawunti yakho ibhalansi i-$ 10, uya kuba ne-$ 5 kuphela ekhoyo ukuze uchithe (inkontileka yemakredithi ikuthintela ukuchitha loo mali, ngoko gcina ingqondo njengoko uceba uhlahlo lwabiwo-mali).

Unokwenza idiphozithi yakho kodwa uyithandayo:

• Yenza imali.
• Bhala isheke kwi-akhawunti yakho entsha.
• Sebenzisa ikhadi lokutsalwa kweebhanki ukusuka kwelinye ibhanki.
• Dlulisa imali kwi-bhanki enye ngokubonelela ngeendlela zokuhamba kunye neenombolo ze-akhawunti.

Njengokuba kukho nayiphi na i-akhawunti yemali, kuya kufuneka ufumane iinkcukacha malunga nawe, kuquka:

• Inombolo yoKhuseleko loLuntu okanye iNombolo yoLwazi lweRhafu
• Idilesi yakho yangokwenyama (ungaphinde unikeze idilesi yeposi edibeneyo yeenkcukacha)
• Ukuchongwa okuchanekileyo njengelayisenisi yokuqhuba, ipasipoti, okanye enye i-ID ekhutshwe nguRhulumente
• Isizathu sokuba ufanelekile ukujoyina inkontileka yemali ("Ndiyisebenzela i-XYZ Inkampani" okanye "umama uyilungu apha")

Ezinye iimanyano zeentengo zemboleko zikhangele i- credit yakho (kunye nezinye iinkcukacha ezifana ne-ChexSystems , elandelela umlando wakho wokuhlawula i-check) xa uvula i-akhawunti. Ukuba unemiba yexesha elidlulileyo, unokuzigcina uzigcinela ixesha kwaye ucele abasebenzi be-credit union malunga neemfuno ngaphambi kokuba uzalise isicelo.

Usenokukwazi ukuvula i-akhawunti engenayo ngekhadi lokubambisa okanye ukuhlola.

Ukuba uvula ii-akhawunti zoshishini, uya kufuna amanye amaxwebhu. Yenza inombolo yakho yokuchonga umqeshi (EIN) kunye nawaphi na amaxwebhu abonisa ukuba iqumrhu lakho lebhizinisi likhoyo (ukuba uhlanganiswe nayiphi na indlela). Cela umanyano wemali-mboleko ukuba ufumane iinkcukacha ezipheleleyo, kwaye ufumane amanyathelo kuwo onke amaqabane afunekayo.

Inyathelo 3: Qala ukusebenzisa i-Akhawunti

Yiloo nto - xa unelungu, ungasebenzisa zonke iinkonzo kwi-credit union.

• Misela idiphozithi ngqo kunye nomqeshi wakho ukuze imali yakho ingene ngqo kwimanyano yesikweletu.
• Sebenzisa umvuzo we-intanethi kwi-syndicate yakho yemali ukuze wenze iintlawulo zekhompyutha kunye nokugcina irekhodi yazo zonke iintengiso.
• Yenza i-app yemanyano yakho yemali ukwenzela ukuba unokukhawuleza uhlolisise ibhalansi yakho kwaye (ukuba kunokwenzeka) wenze isheke sefowuni yeselula .
• Hlela izilumkiso kwi-akhawunti yakho (itekisi okanye i-imeyile) ukuze ukwazi malunga naziphi na izinto ezinkulu zokurhoxisa okanye imeko ephantsi.

Ukukhetha uMbutho weNtengo

Mhlawumbi uya kuba neenketho ezininzi apho uvula i-akhawunti. Khetha ityunithi yemboleko yemali eyenzela imveliso, iinkonzo, kunye namaxabiso okulungileyo kuwe.

Njengoko uthelekisa okukhethwa kukho, ungazibopheli kwiindawo zesebe kunye neeyure. Ngethuba nje ukuba inyunyana yakho yekhredithi iyingxenye yenethiwekhi ekwabelwana ngayo , uya kuba nokufikelela kuma-ATM kunye namasebe eemanyano zeentengo zemboleko kwilizwe lonke. Ngaphezu koko, unokwenza uninzi lwezinto ozifunayo kwi-intanethi okanye ngefowuni yakho yeselula.

Izinyunyana zemali-mboleko zeFederally ziyi-unions zemali ezikhuselekileyo-imali yakho ikhuselekile njengemali kwi- akhawunti yasebhanki eqinisekisiwe ye-FDIC . Nangona kunjalo, ezinye iintlobo zeentengo zemali-mboleko zikhona, kwaye unokuba nesizathu sokukhetha isikhungo esinqabileyo kangangoko - qiniseka ukuba uyazi ukhuseleko lwakho (kunye nemida kulokhu khuselo).