I-hold hold can be placed in your account check for various reasons. Ngokuqhelekileyo, ibhanki ibambe isheke okanye uyifake kwi-akhawunti yakho. Ibhanki iya kwenza oku ukuqinisekisa iifizi ezicacileyo ngaphambi kokuba zenziwe zifumaneke kwi-akhawunti yakho.
I-hold hold is set to place to protect you as much as it protects the bank. Ukuba uchitha imali oyifumene kwisheke kodwa ibuyiselwa kwibhanki kwaye ayihlawulwa, ngoko uya kufuneka uhlawule ibhalansi engalunganga.
Funda ukuze ufunde kabanzi malunga nokujonga iakhawunti.
IBhanki iCwangcisa njani ukubeka i-Akhawunti?
Ukuba isheke sikhulu kakhulu, okanye ukuba siphume ngaphandle kwebhanki, ke ibhanki inakho amathuba okubeka. Ngezinye iinkcukacha, umxeleli uya kubiza ibhanki ukuba ikhankanywe ukuba ibone ukuba imali ikhona.
I-hold hold can last for several days of business, kwaye inani lemali egcinwe lihluka ngebhanki. Nangona kunjalo, njengomgaqo jikelele wesohlwayo, ukuhlola okuncinci, abo bavela kwilizwe, bahlola kwi-bhanki elifanayo njengeyakho, ukuhlola kwi-Treasury yase-US, idipozithi ngqo, kunye nokuhlolwa kwe-cashier bafumaneka ngokubanzi ngosuku olulandelayo lomsebenzi.
Nangona kunjalo, iirekhodi ezinkulu (i-$ 5,000-plus), ukuhlolwa kwakhona, kunye nalabo abaya kuma-akhawunti athatyathwa ngokuphindaphindiweyo baya kuba namaxesha amaninzi.
Oku kusebenza nokuba kuhlolwe ukuba ibhanki ine "ukungathandabuzeki" malunga-oko kukuthi, bayathandabuza ukuba imali iya kucima. Ibhanki kufuneka ikuxelele ukuba ifake i-akhawunti yakho ibambe .
Kutheni i-Banks Place ihlala iChecks?
Esona sizathu esivakalayo iibhanki zibeka imali kwi-akhawunti yakho ukuqinisekisa ukuba isheke licima.
Ukubeka ngokulula, bafuna ukuqinisekisa ukuba bafumana imali efanelekileyo phambi kokuba le mali ifumaneke kuwe. Izihlandlo ezenza ukuba amasheke amancinci athathe ixesha elide ukuba acacise kukuba bacinga ukuba uya kukwazi ukuthatha iindleko zokukhangela ukuba awuyi kucacisa. Nangona kunjalo, ngokukhangela okukhulu, oku kusenokuthi kube njalo. Unokufunda okungakumbi malunga nokubamba kwakho ngokubiza ibhanki yakho kwaye ucele ulwazi oluninzi okanye ufunde izikhokelo ozifumene xa uvula i-akhawunti.
Ngaba Ndinokuyenza Nantoni na Ukumisa Ukubanjwa?
Impendulo eyona nto ingundoqo. Ibhanki inelungelo lokuchonga ukuba okanye ayiyi kukhulula imali kuwe kwaye nini. Izikhokelo zaseburhulumenteni ziphinde zithethelele ixesha elifanelekileyo. Ukuba ufuna ukuthengiswa ngokukhawuleza ngokukhawuleza, unokucela idiphozithi ngqo okanye ukuba imali ifakwe ngqo kuwe ngaphandle kokufumana isheke.
Ungakhetha kwakhona iindlela zokuphepha ugxina kwi-akhawunti yakho . Nangona kunjalo, kubalulekile ukukhumbula ukuba ukudluliselwa kwemali phakathi kweebhanki akukhawulezi. Kuthatha ixesha lokuba imali iwele emigceni efanelekileyo, ngoko kuyona nto ibhetele ukuzinikela xa ubeka iitsheke.
Ukuhlaziywa nguRachel Morgan Cautero