Amabhanki amakhulu
Ibhanki enkulu inika iingenelo ezininzi.
Enye yeenzuzo ezintle kukuba unokuhambisa iakhawunti yakho xa udluliselwa kwindawo entsha. Ungakwazi kwakhona ukufumana ii-ATM zebhanki xa uhamba. Ibhanki ezinkulu zibonelela ngeendlela ezahlukeneyo zekhetho kunye neenkonzo. Enye yezona zinto ziphazamisekanga kukuba ungumane nje inombolo ye-akhawunti kubo. Unokwakha ubudlelwane obuhle kunye necandelo elithile, kodwa amagosa aseburhulumenteni enza ezininzi zezigqibo xa kuziwa ekujongeni i-akhawunti yakho. Ukuba uhamba ezininzi okanye udluliselwa kakhulu ngomsebenzi wakho, le nto inokuba yinto ekhethekileyo kuwe. Ukuba ungumfundi wekholeji, kwaye ufuna ukuba abazali bakho bakwazi ukufikelela kwiakhawunti yakho, unokuba ufuna ukuhamba nebhanki enkulu kuba kukho amasebe kwizixeko zombini.
- Unika indawo ezininzi kwilizwe
- Unakho ukukhetha ukhetho lwe-intanethi kuphela
- Kunzima ukwakha ubudlelwane nebhanki
- Inkonzo yamakhasimende engekho
Amabhanki amancinci
Ibhanki encinci ibhekiselele kwinkonzo yabathengi. Unokukhetha ibhanki yesithili esincinane okanye ibhanki yendawo encinci. Ezi mabhanki zinikezela ngeakhawunti ezininzi, kodwa zingenako ukwenza okubanzi njengebhanki enkulu. Ngeke ukwazi ukutshintshiselana ngemali yangaphandle kwibhanki encinci, kodwa i-akhawunti yakho ibaluleke kubo.
Ngokuqhelekileyo abantu osebenzisana nabo benza izigqibo malunga neakhawunti yakho. Into ebaluleke kakhulu kukuba uya kufuneka utshintshe ibhanki xa uhamba. Kuya kufuneka usebenzise ezinye ii-ATM xa uhamba. Qinisekisa ukuba ibhanki yakho encinci iqinisekisiwe yi-FDIC. Uninzi lukhona, kodwa kubalulekile ukuqinisekisa ukuba nayiphi na ixesha uvula i-akhawunti entsha.
- Uncedo lomthengi olungcono
- Unyulo olongezelelweyo olwenziwe kwisebe lemali kwiimali-mboleko kunye nemirhumo
- Amasebe ambalwa athetha ukuba unokuba utshintshe ibhanki ukuba uhamba
- Iinkonzo ezimbalwa kunye neentlobo zeakhawunti zingase zifumaneke
Iimanyano zetyala
Inkontileka yekhredithi isebenza ngokungafani nebhanki. Xa ujoyina inyunithi yemboleko, uba ilungu esikhundleni somnini-akhawunti. Imanyano yesikweletu iyintlangano engenzi nzuzo. Oku kuthetha ukuba iimveliso ezinikezelayo zinemivuzo enomdla ngokubhekiselele kumboleki. Unokufumana ixabiso elincinci lemali kwiingxowa-mboleko kunye nezinga eliphezulu lomdla kwi-akhawunti yakho yokulondoloza. Inkonzo yabathengi ivame ukuba nobungane kakhulu. Imirhumo enxulumene neakhawunti iphantsi kakhulu. Unesiqinisekiso esifanayo kwiimali zakho njengebhanki nje kuphela ukuba inyunyana yakho yekhredithi ilungu le-NCUA . Into ebaluleke kakhulu kumbutho wezikweletu kukuba kufuneka ulungele ukujoyina enye, mhlawumbi apho uhlala khona okanye usebenza khona.
Uya kufuneka uphenye kwi-credit union ukufumana ukuba unokufaka isicelo sokuba ubulungu. Kukho izinyunyana zeentengo zemali zincinci kunye neentlobo ezinkulu, kwaye unokuba neenzuzo ezifanayo kunye neempembelelo zezona zikhetho ezinkulu kunye nezincinci zebhanki ngokuxhomekeke kubukhulu bebhanki yakho yesikweletu.
- Iinkonzo ezenziwe ngabanye
- Ixabiso lentlawulo ephantsi kwiimali-mboleko
- Ireyiti ephezulu yokufumana imali kwi-akhawunti yokulondoloza
- Ukukhuselwa okufanayo njengebhanki
Ukukhetha iOption Best
Kubalulekile ukwenza ukhetho oluhle kwiimeko zakho. Ngokubanzi, i-credit union iya kunika ixabiso elifanelekileyo kunokuba iifizi kunye neerhafu zenzala. Nangona kunjalo ukhetho lusekelwe kwezinye iimeko ezifana nokufaneleka kwesantya somyinge ophantsi kwi- mortgage ngokuvula i-akhawunti kwibhankini ethile. Kufuneka ixesha lakho lokuqwalasela zonke iinketho kwindawo yakho kwaye kuya kuthatha imizuzu embalwa ukuphonononga ukhetho lwe-intanethi.
Qinisekisa ukuba ugcine ingqalelo kwimirhumo kunye nemithetho nge-akhawunti nganye ofuna ukuyivula. Ukuba unquma ukutshintsha ibhanki, thatha ixesha lokwenza ngokuchanekileyo. Uya kufuneka utshintshe iintlawulo zakho ngokuzenzekelayo kunye nediphozithi ngqo phambi kokuvala i-akhawunti yokuqala.
Ukukhetha i-akhawunti efanelekileyo
Ukongezelela ekukhetheni ibhanki elifanelekileyo okanye umanyano wekhredithi, kubaluleke kakhulu ukuba ukhethe i-akhawunti engcono kwiimfuno zakho. Iibhanki ezininzi zinemiqathango emncinci yemilinganiselo kwaye iphakamileyo imfuneko yeyona nto ihamba phambili kunye ne-akhawunti, kodwa iifizi zenkonzo zihlala zikhuphuka, ngokunjalo. Thatha ixesha lokuphonononga iimfuno ezahlukeneyo ze-akhawunti kwaye qi ni sekise ukuba ukhetha oya kukugcina imali eninzi. Ezinye iibhanki ziya kulukhupha umrhumo wenkonzo xa ubeka idipozithi ngqo kwi-akhawunti.