Xhumanisa i-akhawunti yakho yebhanki
Ukuseka iintlawulo zekhompyutha okanye idiphozithi ngqo, uzakufuna inombolo yakho yeakhawunti. Indlela elula yokufumana loo nombolo kwisheke (kodwa kukho ezinye izisombululo ukuba awuhlolisanga).
Inombolo ye-akhawunti ifumaneka phantsi kwetshekethi yakho. Kufuneka kube neeseti ezintathu zeenombolo kwifayile ekhethiweyo efundeka ngekhomputha phantsi:
- Inombolo yokuqala ngakwesobunxele inombolo yakho yokuhamba yasebhanki
- Inombolo yesibini (phakathi) inombolo yakho ye- akhawunti
- Inombolo yesithathu inombolo yakho yokukhangela
Lo mhlaba usebenza kwiindawo ezininzi zokuhlola , kodwa ukuhlolwa kwezoshishino kunye nokuhlolwa kwebhanki kukho ifomathi eyahlukileyo - jonga ngezantsi kwezinye indawo.
Ngokuqhelekileyo unokufumana inombolo ye-akhawunti kwisheke ngokufumana uphawu olulandelayo: ⑈. Amadijithi nje ngaphambi kokuba eso simboli inombolo yakho ye-akhawunti. Ngokomzekelo, bona umfanekiso ophezulu kweli phepha, apho inombolo ye-akhawunti ibonakaliswe ngokuluhlaza (okanye ujonge umfanekiso omkhulu ).
Ezinye iiNombolo kwi-Hlola yakho
Ukuba ufuna ukunika inombolo ye-akhawunti, kunethuba elihle uza kulufumana ukubonelela ngezinye iinkcukacha kwisheke. Inombolo yakho ye-akhawunti ngokwayo ayaneleyo ukudala unxibelelwano kwi-akhawunti yakho yasebhanki kwidiphozithi ngqo okanye iintlawulo zebhanki ngokuzenzekelayo.
Amanani okuhamba: inamba ekhohlo ekude ngokuqhelekileyo inombolo yebhanki ye-transit yokuhamba (RTN) okanye inombolo ye- American Bankers Association (ABA) .
Leyo nombolo yeenombolo ezi-9 ibonakalisa ibhanki yakho, kodwa ayikuchongi i-akhawunti yakho kwi-bhanki.
Hlola amanani: isethi yamanani kwinqanaba elide kufuneka libe yinombolo yetshekhi, esetyenzisiweyo ukuchonga isheke nganye kwi-accounting yakho. Inombolo yetshekethi ayibhekiseli kwibhanki yakho okanye i-akhawunti yakho (yinto nje yesazisi esikhethekileyo kuyo yonke itekethi ubhala ngayo, kukunceda ukulandelela imali yakho kunye nokulinganisela i-checkbook yakho).
Hlola iinombolo ezingabalulekanga ekusebenziseni iintlawulo-zingasetyenziselwa kwakhona okanye zisetyenziswe ngaphandle kolawulo olulandelelana ngaphandle kweengxaki ezinkulu.
Uvavanyo lwezoshishino kunye neeKhenkethi eziprintiweyo zeBhanki
Ifomathi ichazwe apha ngasentla isebenza kwiindawo ezininzi zokuhlola. Nangona kunjalo, ukuhlolwa okuvela kumashishini (njengama-checkroll checks) kunye nokuhlola okushicilelwe yibhankini yakho kunokuba nefomathi eyahlukileyo.
Umzekelo, ukuhlola i-imeyile ngamashishini okanye uthunyelwe kwiinkonzo zentlawulo zentlawulo ye-intanethi ziba neenombolo ze-akhawunti njengesihlulo sesithathu seenombolo ukusuka kwesobunxele.
Ukuqhubekisa phambili izinto, abo bathengisa ngamanye amaxesha babonisa i-akhawunti kunye neendlela zokuhamba ezahlukileyo ukusuka kumanani ekuhloleni kwakho. Ukuba uzama ukukopisha inombolo yakho ye-akhawunti kwisheke eliprintwe usebenzisa ithuluzi lakho lokuhlawula imali yebhanki yakho ye- intanethi , uya kufumana inombolo ye-akhawunti engayiboni ngqo kwi-akhawunti yakho nganye - iya kwi-akhawunti ebhanki yakho isebenzisa ukuhlawulwa kwebhilikhwe endaweni . Ngeke ukwazi ukusebenzisa ezo manani ukudibanisa i-akhawunti yakho kwidiphozithi ngqo, iintlawulo ze-ACH , okanye ukudluliselwa kwentambo .
Kukulungele ukusebenzisa isicatshulwa sakho esandul 'usanda kutshitshiswa ukuze ufumane ulwazi lweakhawunti yakho - okanye qhagamshelana nebhanki yakho uze ufumane iinkcukacha. Ukuba unakho ukungathandabuzeki, qhagamshelana nebhanki yakho.
Buza iNkonzo yabathengi
Ummeli wenkonzo yabathengi unokukuxelela yonke into ofuna ukuyifumana ukuze ufumane iintlawulo zakho ezizenzekelayo. Baya kudingeka ukuba yiyiphi i-akhawunti ofuna ukuyisebenzisa ngenxa yokuba iinombolo ze-ABA ziyahlukahluka kuxhomekeke apho uvula khona iakhawunti yakho. Usenokukwazi ukufumana le ngcaciso kwi-intanethi xa ungene kwi-akhawunti yakho (khangela ifom ye-deposit ngqo okanye imiyalelo yokumisela i-EFT okanye i-ACH).
Ukufumana inombolo ye-akhawunti ngokufanelekileyo kulungile imizuzu embalwa kwifowuni kunye nenkonzo yabathengi. Cinga ngemiphumo yokumisela okungafanelekanga: awuyi kuhlawulwa ngexesha, kwaye unokuphelisa ukuhlola okanye ukulahleka iintlawulo zezinto ezibalulekileyo (njengemali yakho yokubolekisa okanye umboleko wesikolo , oku kunokukhokelela kwiintloko ezinzulu kunye neendleko). Yenzeke ngokufanelekileyo ngexesha lokuqala uze uvumele yonke into isebenze ngokuzenzekelayo-leyo yinto epheleleyo yokubhalisela iintlawulo zekhompyutha .
Ukuba awunayo iChecks
Kulula ukuthola inombolo yakho ye-akhawunti kwisheke, kodwa kuthekani ukuba awunayo iitsheki? Indawo elandelayo efanelekileyo ukuba ubujonge iyitatimenti yakho yenyanga. Kwezinye iimeko, inombolo yakho ye-akhawunti ifihliwe ngokukodwa (ngokukodwa xa ubheka izitatimende kwi-intanethi), ngoko unokugqiba ukubiza okanye uxoxe kunye nenkonzo yabathengi.