Ukulondolozwa nokuhlola kwiiNyunyana zeMatyala
- Yabelana ngee-akhawunti zokulondoloza iirhafu, ezifana nomdla kwi-akhawunti yokulondoloza ibhanki.
- Yabelana ngokutshekisha (okanye "ulungelelaniso") iakhawunti ye-akhawunti yerhafu yeentlawulo kunye nokuchitha kwansuku zonke.
Yabelana ngeAkhawunti zokuSindisa
I-akhawunti yokulondoloza isabelo yi-akhawunti eyisiseko kwi-credit union. Ezi akhawunti zihlawula inzala ekulondolozeni kwakho, ukubonelela indawo ekhuselekileyo yokugcina imali.
Ukuvula i-akhawunti yezabelo kubeka ubulungu bakho (okanye ubunikazi) kwimanyano yamatyala, kwaye kukunika ilungelo lokusebenzisa ezinye iimveliso ezinjengemali-mboleko, ukujonga i-akhawunti, kunye nokunye.
Ukuba uyazi kakuhle i-akhawunti yokulondoloza kwiibhanki, sele uqonde iinqununu ze-akhawunti yokulondoloza imali. Isigama siyahluke ngenxa yokuba i-akhawunti ibanjwe kwimanyano yamatyala , kodwa indlela oyisebenzisa ngayo i-akhawunti iyafana.
Ukufumana inzala: Imanyano yabanini- mboleko inika inzala kwiimali zakho kwi-akhawunti yokulondoloza imali. Ngokuxhomekeke kwimilinganiselo yenzalo ngokubanzi (kwaye ukuba imanyano yemboleko ifuna kangakanani ukukhuphisana nemali), isantya osifumanayo sinokuphakama okanye siphantsi. Kodwa kuncinci kunceda. Ukuba ufuna ukufumana ngaphezulu, kwaye uzimisele ukuhlala kunye nezinye izithintelo, kuyafaneleka ukuba ubuze ukuba umbutho wezikweletu unikezela izatifikethi ze-deposit (iiCD) okanye i- akhawunti yemarike yemali ehlawula ngaphezulu
Ukufikelela kwiimali: Unako ukurhoxisa imali kwi-akhawunti yakho yokulondoloza izabelo nayiphi na ixesha oyifunayo, kodwa kukho imiqobo kwiintlobo ezithile zokuhoxiswa.
Ukuba usebenzisa i-ATM, tyelela inyunyana yemboleko kumntu (kubandakanywa indawo ekwabelwana ngayo ), okanye uhlolisise i-imeyile kuwe, unokurhoxisa amaxesha amaninzi njengoko ufuna. Nangona kunjalo, i-akhawunti yokulondoloza ayiyonto yokuchitha yonke imihla. Umthetho we-Federal (Ummiselo D) unqanda ukutshintshwa kwezinye i-akhawunti yokulondoloza kwiinyanga ezintandathu, kuquka:
- Uhlola ukuba ubhala kwi-akhawunti (kodwa akungatshekiswanga kuwe kwi-union union)
- Ukuchitha ngekhadi lokutsalwa
- Iintlawulo zentlawulo ye- intanethi kunye neentlawulo zeACH
- Utshintshela kwi- akhawunti yakho yokujonga
Ukukhusela iingxaki kunye nokudideka, ii-akhawunti ezininzi zokulondoloza azinikezeli amakhadi enkonzo . Uninzi lwabantu lwenza kakuhle ngokutshintshwa kweesithandathu ngenyanga - vele uhambise imali eyaneleyo kwi-akhawunti yakho yokujonga kwaye uchithe ukusuka apho.
Nangona ukudluliselwa kwe-akhawunti kukhawulelwe, akukho mda kumlinganiselo wepositi ozenzayo kwi-akhawunti nganye ngenyanga.
Indawo ephephile: I-akhawunti yakho yokugcina imali (okanye ukujonga) yindawo ekhuselekileyo yokugcina imali. Esikhundleni sokugcina imali ekhaya okanye ukuyithwala, ihlala kunye ne-credit union. Khangela ukuqinisekisa ukuba iifomethi zakho ziqinisekisiwe ngokupheleleyo kwaye ungaphantsi kwemida ephezulu yeedola.
Ukubambisana: Iimali kwi-akhawunti yakho yokulondoloza isabelo ngamanye amaxesha ingasetyenziselwa ukubambisa imali . Esi sicwangciso sinokukunceda ukwakha inkokhelo (nokuba ngowokuqala, okanye ukwakhiwa emva kweengxaki ezithile). Buza malunga nemali ebolekileyo yemali xa ufuna ukuboleka imali yakho.
Yabelana ngeProjekthi = Ukuhlola
I-akhawunti yoluhlu lwe-akhawunti yirekhodi ye-liquid kwi-credit union eyenzela ukuba uhlale uhoxiswa kunye neentlawulo.
Ukuba uyaqhelana nokujonga i-akhawunti , ukwabelana ngeakhawunti ze-akhawunti zifana ngokufanayo. Kwakhona, umahluko nje kuphela kukuba i-"share" akhawunti iyimanyano yekhredithi esikhundleni sebhanki.
Ukufikelela kwiimali: Nge-akhawunti yokwenza i-akhawunti, akukho mingcele malunga nokuba usebenzisa kaninzi kangakanani i-akhawunti (ngaphandle kokuba usenokuba usenza ibhiziniselwano zentengiselwano rhoqo ngenyanga). Ezi ngxelo ziindawo ezilungileyo zokuchitha imali yakho yemihla ngemihla. Ukuba ubhala isheke, thengisa into ngekhadi lokukhwabanisa , uhoxise imali kwi-ATM, okanye uhlawule iindleko kwi-intanethi (nokuba i-biller yakho idonsa imali okanye uyibeke intlawulo ngebhanki yakho), uya kusebenzisa i-akhawunti ye-akhawunti ye-akhawunti okanye i-akhawunti yokujonga.
Nge-akhawunti yokulondoloza, kukho imida malunga nokuba ungaphila iintlobo ezithile zokurhoxiswa kwiakhawunti yakho: Uvumeleke kuphela "ezintlekele" ezithandathu ngenyanga ngenxa yoMgaqo-D (nangona ukuthengiselana okuthile, njengemali yokurhoxiswa kwi-ATM, elingenamkhawulo).
Igama elithi "ulungiso" lixesha elidala elibhekiselele kwiitshekitshi ezithathwe kwiimali ebhankini, kodwa unokucinga njengemali eshiya ibhanki okanye inyunyana yekhredithi.
Ukufumana umdla: Uninzi lwama-akhawunti aluyi kuhlawula umdla. Nangona kunjalo, iiyunithi zeentengo zemboleko zinikeza umvuzo wokuhlola , okukuvumela ukuba ufumane
Ezinye iintlobo zeAkhawunti
Kukho eminye eminye imiqathango onokufuna ukuyifumana nayo ukuba usebenzisa i-credit union.
Izatifikethi zediphozithi (iiCD) nazo zinamagama ahlukeneyo. Kwiimanyano zetyala, khangela "izatifikethi zesabelo" ukuba ufuna ukuhlawula umvuzo wakho.
Ama-akhawunti ahlala phantsi ahlala ebhekisela kwizabelo ngokunjalo, kodwa ama-acronyms afana ne "IRA" anokukunceda ukuba uqaphele uhlobo luni lwe-akhawunti onayo.
Ubunini
Imanyano yemboleko ihlukile kwiibhanki kuba wonke umnini-akhawunti ungumnikazi weziko. Njengomnini, unokholo kwindlela inkontileka yemali eyenziwa ngayo, kwaye unokuvota kwimicimbi eyahlukeneyo kunye neBhodi yabaLawuli. Ngokuqhelekileyo, akunandaba nokuba unemali engaphezulu okanye ngaphantsi kunomnye umntu kwi-akhawunti yakho - ngalinye ilungu liyaphathwa ngokulinganayo kwaye lenze ivoti elilodwa.
Ngaphandle kwesakhiwo esahlukileyo (kunye nolwimi), kukho ukuhlukana okuncinane phakathi kweebhanki ezininzi kunye neemanyano zetyala ezivela kumthengi. Banikela ngeenkonzo ezingaphezulu okanye ngaphantsi , kwaye imali yenu ikhuselekile kwenyunyana yesikweletu semali ekhutshwe ngamazwe njengoko i- akhawunti yebhanki ye-insured . Iifosti zikhuselwe ukuya kwii-250,000 zama-dollar nganye kwi-deposit ngalinye kwiziko, kwaye kunokwenzeka ukuba ube ne-250,000 e-insured inye. Nangona kunjalo, akuyiyo yonke imibutho yamatyala eqinisekisiwe ngokusemthethweni.
Akufuneki I-Akhawunti edibeneyo
Musa ukudibanisa i-akhawunti yesabelo kunye ne-akhawunti ebelwanayo (owabelana ngayo nomnye umntu). Igama elithi "isabelo" libhekisela kwingxenye yakho yobunini kwimanyano yemboleko. Nangona unako ukufumana i-akhawunti yokugcina imali yabelana, izabelo zokwabelana nazo zinokuba yi-akhawunti nganye (kunye nezinye iintlobo ze-akhawunti ).