I-Akhawunti yeAng Direct Orange Savings
Qaphela: ING Direct yathengiswa kwi-Capital One ngo-2011, kwaye zonke i-akhawunti zibuyiselwe kwi-akhawunti eyodwa ye-Capital One ngo-2012. Ngolwazi olukhoyo, funda nge- Capital One 360 o fferings . I-Capital One iyaqhubeka nokubonelela ngebhanki ye-intanethi ye-intanethi, ukukhangela ukuvunwa okuphezulu, kunye ne-akhawunti yokugcina imali phantsi kwegama elitsha. Nangona kunjalo, inkqubo yokungena ngemvume yangaphakathi ye-ING yaguqulwa kwinkqubo ye-Capital One, ngoko ke abathengi be-ING bafuna ukuhlaziya iziqinisekiso zabo.
ING ngqo, ngo-2012
Ngokuthengiswa okuvelele kunye nobuchule, i-ING Direct iqokelela ezininzi iiphozithi. Le bhola ye-orange ithola ingqalelo yabathengi.
Ngezantsi uzakufumana ukuqonda kwam umkhiqizo ngeli xesha lokubhala. Andiyi kucaphula ixabiso lomyinge kuba zihlala zitshintsha. Kufuneka uvakashele iwebhusayithi yebhanki uze ufunde yonke impapasho enokuzicwangcisa ukuba ucinga ukusebenzisa iisevisi zabo.
Umnikelo
ING Direct i-akhawunti elula yokulondoloza i-akhawunti kunye neentsimbi ezimbalwa kunye neengcingo. Umtsalane oyintloko ngu- APY ( Intengo Yemivuzo Yonyaka) . Uyakwazi ukufumana imali engaphezulu kweebhanki zezitena kunye nezidaka . Ngaphezu koko, akukho ntlawulo yeenkonzo okanye ubuncinane bemfuneko yokulinganisela . Ungakwazi ukuvula ngokukodwa i-akhawunti nge $ 1.
Nge-ING Direct, ugcine i- akhawunti yakho yokujonga kwaye udibanise ne- akhawunti yakho ye-ING ngqo. Ukuhambisa imali emva nangaphambili, ungena kwi-akhawunti yakho ye-ING ngqo kwaye ucele ukudluliselwa (ukudluliselwa kukhululekile kwinqanaba le-ING ngqo, kodwa kufuneka uhlole ibhanki yakho ukuqinisekisa ukuba abayi kuhlola nayiphina imirhumo).
Ukufumana iinkcukacha ngezinye izibonelelo ezithe ngqo ze-ING, bona oku kulandelayo:
- Ingxelo ye- ING Direct Orange Checking (ihlawula inzala)
- I-Orange Direct I-Orange yezoshishino (ukugcinwa kwezoshishino)
Qaphela: kwakhona, ezi ngxelo ziguqulelwe kwi-akhawunti eyodwa ye-Capital One 360. I-Capital One inikeza i-akhawunti yezo shishino phantsi kwegama le-Spark.
Eyongezelelweyo
Ngaphandle kwe-akhawunti yokugcina imali elula, unamanye ambalwa ongakhetha kwi-ING Direct. Unokufumana izatifikethi zokuditywa kwamaCD ukusuka kwi-1 ukuya kweyimi-5. Iirhafu zibonakala zikhuphisana, ngoko ke ukuba unayo imali ongeke uyichithe, ungayifaka kwi-CD.
Kananjalo benza iimali-mboleko kunye neengxowa-mali zokulingana ekhaya , kodwa andizange ndijonge kwiinkcukacha zale ntengiso.
Ukhuphiswano
Qiniseka ukuba uqhathanisa u-ING ngqo kunye nezinye izikhokelo ezihamba phambili ukufumana okulungileyo kuwe:
- I-Akhawunti ye-HSBC Online Savings
- I-akhawunti ye-CapitalOne ephezulu yokuThengisa i-Akhawunti yeMarike yeeMali (inika uhlolo
- Ukugcinwa kweMali yeMali ye-GMAC yaseBhanki (inikezela ukuhlola, ngoku kuthiwa yi-Ally Bank )
Inkqubo
Unokuvula i-akhawunti ye-ING ngqo kwiindlela ezahlukeneyo. Inketho yokuqala kukungenisa ulwazi lwakho kwi-intanethi uze uphinde uphephe nayiphi na iphepha . Unokuphrinta isicelo sazo kwaye uyithumele kuyo. Naluphi na indlela, uya kufuna yonke inkcazelo yakho eyisiseko kunye nenombolo ye-akhawunti yokujonga.
Inkqubo yokumisela ithatha iiveki ezimbalwa. ING Direct izakudala ukuthengiselana okumbalwa kwi-akhawunti yakho yokujonga ukudibanisa ukuqinisekisa ukuba zonke izibalo zifumaneke ngokufanelekileyo (kwaye ukuba i-akhawunti iyona eyakho). Emva kokuba uqinisekise ezo ntengiselwano kwaye uqinisekise iPIN yakho (ezayo ngeposi), ulungele ukucima.
Ukucela ukudluliselwa kwiwebhusayithi ye-ING Direct kulula kwaye inembile, kwaye kubonakala ngathi bahamba ngokukhawuleza. Ukuba ufuna ukufumana isicwangciso sokulondoloza kwi-auto-pilot, ungasetha kwakhona isilathisi senyanga nganye.
Inkonzo eyenzelwe
ING Direct isebenza ngokufanelekileyo ngokubongoza abasebenzisi ukuba benze-wena-ngokwakho. Bhalisela ixabiso lemali, kungekhona umthengi. Ngelixa ndivile ezinye iindaba zamakhasimende amancinci, andingaqinisekanga ukuba inqanaba leenkonzo lifumaneke kakhulu (kwaye mhlawumbi akudingeki ukuba).
Ngo-2004, i-ING Direct ibixelele ukuba ngokwenene abathengi bomlilo abanokulondolozwa kakhulu. Kutshanje, inkonzo yabathengi ibhetele kakhulu.
Khu seleko
Enye yezinto zokuqala oziva ukuba ubiza ii-ING Direct "Sizithabathe ngokungathandekiyo" - kwaye kubonakala ngathi bayakwenza.
Njalo xa utshintshile into kwi-akhawunti yakho, baya kufaka i-akhawunti kwiintsuku zoshishino eziliqela kwaye bakuthumele ileta. Nangona le nto ingaba yintlekele kwaye ihlawule izinto, mhlawumbi iyona nto ibhetele.
Khawukhumbule ukuba le yenkxaso-mali ephakathi emfutshane. Ukuba uya kuchitha imali ngeveki ezayo, mhlawumbi akufanele uyenze kwi-akhawunti yakho ye-intanethi kuphela. Bobabini ING Direct kunye nebhanki ngeakhawunti yakho yokutshekisha ingabambelela kwiimali eziye zahlulwa kwakhona.
Buyela kwi- Banking 101 .