Kuphi ukufumana i-Free Business Checking

Njengoko ishishini lakho elincinci lithatha isimo, kuyilungileyo ukuvula i-akhawunti yokukhawuleza ngokukhawuleza. I-akhawunti yezoshishino yenza ukuba ukugcinwa kweencwadi kube lula kwaye kunokukunceda ukuba uzikhusele ngokomthetho. Kodwa ixabiso lihlala likhupha, ngoko ke ungayifumana phi ishishini lokukhulula ukujonga ii-akhawunti?

Kukho iindlela ezimbini zebhanki yakho inokwenza ibhanki mahhala:

• Fumana i-akhawunti ekhululekileyo
• Ukuhlangabezana neemfuno ezincinci

Eli phepha lichaza indlela ishishini lakho lingenza ngayo ibhanki mahhala kunye neenkcukacha zinikezelo kwiibhanki ezininzi.

Qaphela ukuba izinto zitshintshile ukususela kule ncwadi, ngoko ubuyekeze ngokucacileyo isivumelwano sakho se-akhawunti yebhanki ngaphambi kokuvula i-akhawunti.

Iingxelo zeeNkxaso zeeNkxaso zamahhala

Njengoko ungayazi kwiakhawunti yakho, ukukhangela kwamahhala akuqhelekanga njengokuba kusetyenziswa. Abathengi abaninzi banako ukufumana ibhanki ngokukhulula ngokubeka idiphozithi ngqo okanye ukugcina imali encinci kwidiphozithi ebhankini, kodwa xa uthe wongeza i-akhawunti yezo shishino uhlawule ngokuphindwe kabini inani lemali efunekayo ebhanki mahhala. Ngethamsanqa, kusekho ukuhlawula ii-akhawunti kubasebenzisi kunye namashishini.

Izinketho zoKhenketho zeBhizinisi zamahhala

Qala kwendawo: indawo efanelekileyo yokufumana ii-akhawunti zangasese zamahhala kunye ne-akhawunti ye-bhsayithi yamahhala e-bhanki yendawo okanye kwimanyano yesikweletu. La maziko anomdla wokwakha ubudlelwane kunye namashishini asekuhlaleni, kwaye abanalo inqanaba elifanayo njengeebhanki ezinkulu kuba kulula ukuba banikele iinkonzo zamahhala. Biza iibhanki zendawo kwaye ubuze ukuba banganikela, kwaye ukuba bazimisele ukuhlawula imali xa uvuka kwaye usebenza.

Inkunzi eyodwa: I- Capital One Spark Ukuhlolwa kwezoshishino yi-akhawunti yebhanki kuphela. Ukuba ishishini lakho lingaze lisebenzise imali, akukho mfuneko yendawo yokuzitena kunye nendawo (nangona kukho ama-ATM amaninzi kumazwe onke xa kufuneka). Akukho ntlawulo yenyanga Akukho mida yokuthenga Idizithi ihlola iteknesi yakho yeselula Ikhadi lokukhangela elikhululekile Ukuhlawula kwerhafu ye-intanethi Thumela ii-invoyisi zekhompyutha kumakhasimende

Ibhanki yase-US: I- US Bank yeSiliva yeBusiness Package yinkampani yamahhala yokujonga i-akhawunti kumashishini angadingi kakhulu. Ukuba ugcina intengiso kumncinci (amaninzi amashishini kunye neenkonzo angakwazi ukuhlala phantsi komda), uya kuba nebhanki mahhala. Ukuba ukongeza ivolumu ngosuku oluthile, kufuneka uguqule kwiipakethe ezahlukeneyo okanye uhlawule iimali. Iimpawu eziphambili ze-akhawunti ye-bhanki ye-bhanki yamahhala ziquka Akukho ntlawulo yenyanga Yenza idizithi kunye nefowuni yakho yeselula Ukuhlawula kwerhafu ye-intanethi Ikhadi lokukhishwa kweshishini Ubungakanani bemali engama-150 okanye i-deposit deposits ngenyanga Akukho ncinane encinane yokuvula idiphozithi

Everbank: I- Everbank iphinda inikezele ngokupheleleyo ukukhangela iiforhwebo. Umva? Kufumaneka kuphela kwiimpahla zodwa. Ukuba unenkampani, i-LLC, okanye olunye uhlobo lombutho ongekho inhlanhla. Iinkalo ezibalulekileyo ze-Everbank ziquka: Akukho ntlawulo yenyanga Fumana inzala kwiifom deposits (oku kukhangelelwa ngumdla ) Yenza idizithi kunye nefowuni yakho yeselula Ubuncinane be-$ 1,500 ukuvula i-akhawunti

Amabhanki aWayinayo Imali yenyanga

Ukuba awufumani nantoni na endaweni kwaye iingxelo ezingenhla azikwenzile kuwe, uya kufuna ukuzityulela kwiihitshi ukuze ufumane ishishini lokukhangela. Kwiimeko ezininzi - nakwiibhanki ezincinci kunye neemanyano zemali-mboleko - unako ibhanki mahhala nje ngokugcina imali encinci kwi-akhawunti yakho ngamaxesha onke.

Amabhanki angaphinda ahlawule imali xa usebenzisa iinkonzo ezininzi: ngaphezu kokusebenzisa i-akhawunti yokujonga i-bhanki, ungasebenzisa kwakhona ukuba wamkele amakhadi ekredithi okanye uphathe umrhumo wokuhlawula. Eli phepha ligxininisa indlela onokuncitshiswa ngayo imali ngaphandle kokusebenzisa ezo zongezelelweyo iinkonzo.

Amabhanki anemivuzo

Chase: Ibhizinisi elipheleleyo le-Chase Ukuhlola iindleko ze-akhawunti i-$ 10 ngenyanga xa ukhetha izitatimende zekhompyutheni, kodwa akufanele uhlawule ukuba ugcina ubuncinane i-$ 1,500 kwidiphozithi ngamaxesha onke. I-akhawunti iphinda ifake i-$ 25 encinci yokuvula.

Inkunzi eyodwa: I- Capital One Spark Business Business Cashback Iindleko zokujonga i-$ 15 ngenyanga, kodwa iinyanga ezimbini zokuqala zikhululekile. Emva koko, umrhumo wenyanga uya kukhutshwa ngaphandle nje kokuba ugcine ibhalansi ye-akhawunti yakho ngaphezu kwe-2,000.

IBhanki yaseMelika: B ye-A inikezela indlela eyahlukileyo yokuphepha iimali kunye ne-akhawunti ye-Business Fundamentals, eya kubhenela amabhizinisi aneendleko eziphezulu. Umrhumo olinganiselwe ngu-15 wemali ngenyanga, kodwa loo ntlawulo iyahlawulwa xa uchitha ubuncinane i-$ 250 kwikhadi lakho lokukhishwa kweshishini (okanye kwikhadi lomsebenzi odibeneyo njengekhadi lesikweletu) kumjikelezo wokuhlawula.

Ezinye Izinto

Iingxelo ezingentla zingakuqalisa, kodwa kufuneka ukhangele ngaphezu kweemali. Ukuba unako ukufumana ibhanki mahhala, kulungile.

Nazi ezinye izinto ezimbalwa oza kuziqwalasela njengoko uthengisa ishishini ekujongeni i-akhawunti (kuxhomekeke kwishishini lakho, kuya kuqonda okanye kuyimfuneko ukuhlawula ngaphezulu):

• Zingaphi iintengiso ezivunyelwe ngenyanga, kwaye uninzi lwentengo yokuthengiselana yindleko?
• Ngaba abasebenzi banokufumana amakhadi e-debit? Zingakanani ezo ndleko?
• Ziziphi iimali zokuthengiselana ngamazwe ngamazwe?
• Ngaba uya kuthumela okanye ufumane ukutshintshwa kwefowuni ? Ziyabiza malini?
• Yikuphi ukukhusela enokumalunga nobuqhetseba kunye nezinye iziganeko ezibi (imithetho yokukhusela abathengi ayisebenzisi kwii-akhawunti zezoshishino )

Ukusebenzisa iiAkhawunti zabantu?

Emva kokuphonononga iakhawunti ngasentla, unokugqiba isigqibo sokuba uza kusindisa imali ngokusebenzisa i-akhawunti yokujonga iinjongo zoshishino kunokusebenzisa i-akhawunti eyenzelwe ishishini. Oku kungasebenza, kodwa akukuhle. Ukuba uyaphula ukugcina imicimbi yoshishino eyahlukileyo kwimicimbi yobuqu, umbolekisi "unokugubungela isigqubuthelo senkampani" kwaye uzenzele uxanduva lwakho ngamatyala okanye iimfanelo zamashishini.

Ngaphezu koko, kukulungele ukugcina izinto ezihlukeneyo ukuze uqonde ngokwenene inzuzo yoshishino lakho.