Ukuvula i-akhawunti kwi-akhawunti
Isinyathelo sokuqala ukuya kumazinga aphezulu sivula iakhawunti. Inkqubo ilula, kwaye unokwenza konke kwi-intanethi. Oko kuthetha ukuba ungaqalisa kwaye uvule i-akhawunti yokulondoloza kwi-intanethi ngoku kwangoku - akukho mfuneko yokuya kwisebe, ukushicilela ifom okanye ukulinda iintsuku ezimbalwa (kwaye ulahlekelwe umxhesho).
Kwixesha elidlulileyo, wawufuna i- akhawunti "edibeneyo" kwi-brick-and-mortar bank, kodwa loo mihla isemva kwethu.
Kuphi ukuvula iAkhawunti
Kukho ubuninzi beebhanki ezinkulu kwi-intanethi ukukhetha kuyo. Khangela ibhanki eyenza oko ufunayo, nokuba ufuna izinga eliphezulu, okanye ufuna ukuhlawulwa kwee-ATM. Qinisekisa ukukhangela iimpawu ezincedo ezinjengokukhetha ukuvula i- akhawunti yokukhawuleza kwaye uhlawule iindleko kwi-intanethi , kwaye ukwazi ukufaka iirekhodi kwi-akhawunti yakho kunye nefowuni yakho yeselula .
Ngaba ufuna udinga ukuze uqalise? I- Ally Bank kunye ne- Capital One 360 inika i-akhawunti yokugcina imali ehloniphekileyo, kwaye u-Ally uya kubuyiselwa imali ye-ATM (ukuya kwimida ethile) ukuba usebenzisa i-akhawunti yokujonga.
Ukuba uhamba nebhanki ephezulu ehlawulayo, khumbula ukuba izinto ziya kutshintsha ngexesha. Ibhanki kunye ne-APY ephezulu namhlanje ingahle iwele emva kwonyaka okanye njalo. Musa ukubanjwa kakhulu ekufumaneni ixabiso eliphezulu (ngaphandle kokuba une-balance balance account, mhlawumbi akunangqiqo ukutshintsha ibhanki ) - into ebalulekileyo ukufumana umlinganiselo wokhuphiswano .
Khumbula ukuba ufake iibhanki zendawo kunye neemanyano zesikweletu ekukhangela kwakho. Nama-megabanks athile ane-akhawunti kuphela, kwaye ezo ngxelo zinokuqonda ngokuxhomekeka kwiimfuno zakho. Akunakho ukuhlawula kangangoko iibhanki ze-intanethi, kodwa uya kuba nenketho yokusebenza kunye nomtshi (umrhumo) ngezihlandlo ukuba kukho imfuneko.
Indlela yokuvula iAkhawunti
Ukuvula i-akhawunti yakho, tyelela iwebhusayithi yeziko ofuna ukuyibhanka nayo. Khangela into efana ne "vula i-akhawunti," kwaye usendleleni. Uzakufuna ukubonelela ngolwazi oluninzi lwabantu (njengeNombolo yoKhuseleko lweNtlalo, umhla wokuzalwa, kunye nedilesi yangokwenyama), ke qiniseka ukuba ubeke eceleni imizuzu embalwa ukugqiba inkqubo. Ukufumana iinkcukacha ezingaphezulu, jonga ukuba ungalindelani xa uvula i-akhawunti yebhanki kwi-intanethi .
Ukhuseleko lokuba neAkhawunti ye-Intanethi
Ibhanki ye-Intanethi ngokubanzi ikhuselekile. Kuhlala kukho ingozi, kodwa unokulawula loo mingcipheko.
- Ukhuseleko lwedijithali: kukhuselekile ukuvula i-akhawunti kwi-intanethi kuphela nje ngokuba ulwazi olubonelela luya kuhamba ngeendlela ezikhuselekileyo. Uninzi lweebhanki, i-web browsers, kunye nee-apps ziqinisekisa ukuba amasela akakwazi ukubona nayiphi na into oyithumeleyo (yonke into ibhalwe ngekhowudi okanye "iqhutywe" ukuze ingasetyenziswanga nayiphi na enye into). Ukucinga ukuba isixhobo sakho asizange sichitheke - unesistim sokusebenza ngokusesikweni, i-antivirus, iiphequluli, kunye nezikhuni-mlilo - idatha yakho kufuneka ikhuseleke. Nangona kunjalo, qaphela xa usebenzisa i-Wi-Fi yoluntu , kwaye qiniseka ukuba unabasebenzi basebhantshini bokwenene kwiidivaysi zakho eziphathekayo (ii-jailbroken phones).
- Usuku nosuku , iibhanki ze-intanethi zihlala zikhuselekileyo kuneebhanki zendabuko. Akukho zihlolisiso kwi-imeyile ukulahleka okanye ukubiwe, kwaye awukwazi ukuhamba nge-wad yemali. Kunoko, mhlawumbi uya kwenza yonke into yekhompyutha, kuquka ukuhamba ngemali , ukuhlawula iindleko kunye nokuthenga ngekhadi lokubambisa (inqaku ukuba awukwazi ukuthenga okanye ukuhlawula iindleko kwi-akhawunti yokulondoloza - uya kufuna i-akhawunti yokujonga okanye imarike yemali akhawunti ).
- Ukungaphumeleli kweBhanki kuhlala kunokwenzeka, kodwa ayinqabile. Qinisekisa ukuba nayiphi na ibhanki ye-intanethi oyiqwalaselayo i- FDIC eqinisekisiwe (okanye ifakwe i-inshurensi ye-NCUSIF ukuba iyimanyano yemboleko ), kwaye gcina idipozithi zakho ngaphantsi kwemida ephezulu yokufikelela. Ngaloo ndlela, ukuba ibhanki yakho ibonakala ingaphumeleli, uya kuthemba ukuba uyakuba neengxaki ezincinane .