Abantu abaninzi baye baqala ukutshintshela kwiibhanki ze-intanethi kwi- akhawunti yokulondoloza . Unokukhetha ukusebenzela ngokusisiseko ngebhanki ye-intanethi kuwo onke ama-akhawunti akho. Ekubeni abaninzi abantu basebenzisa idiphozithi ngqo kunye ne- intlawulo yebhilikhi ye-intanethi , baqhekeza ukuba bangene kweli candelo. Ukuba unqabile ukwenza intengiso kwibhanki yakho yomzimba, unokufuna ukuqwalasela iingeniso ebhanki e-intanethi enokukunika yona. Iibhanki ze-Intanethi zinokunikela ngezinga eliphezulu lamanani kwi-akhawunti yokulondoloza kunye nemali ephantsi yebhanki kuba iindleko zokusebenza ziphantsi ngaphandle kweendawo ezibonakalayo.
01 Ngaba kufuneka Ndisebenzise kuphela iBhanki ye-Intanethi?
Ukuba unokufumana ibhanki ye-intanethi enika yonke into oyifunayo, ungatshintsha zonke i-akhawunti yakho. Kufuneka uqiniseke ukuba unendlela efanelekileyo yokwenza idiphozi eziphathekayo ebhanki. Uninzi lwabantu luya kusebenzisa ibhanki ye-intanethi kwakunye nebhanki yendawo ukuhlangabezana neemfuno zabo zeebhanki.
02 Ziziphi iingenelo zeBhanki ye-Intanethi?
Inzuzo enkulu kakhulu yebhanki kwi-intanethi kukuba unako ukufumana amanqanaba aphezulu aphezulu kwimveliso yakho yokonga. Ukuba ufuna ukuvula i-akhawunti yokulondolozwa kwe-intanethi kwingxowa-mali yakho yokuxakeka , ungayenza ngebhanki ye-intanethi. Ibhanki ye-Intanethi ingaba neerhafu ezincinci kuneebhanki zemveli Baya kunika ezi ntlawulo ngenxa yokuba iindleko zabo zokusebenza ziphantsi. Iibhanki ezininzi ze-intanethi zixhunyelelwe kwamanye amaziko okubolekisa, kuba kufuneka ukuba abe nepesenteji ekhethiweyo yemali ababolekisiweyo kwi-akhawunti ebhankini.
Enye inzuzo yokusebenzisa ibhanki ye-intanethi kukuba akufuneki ukuba uxhalabele ngokufumana ibhanki entsha xa uhamba. Ekubeni ungavakalisi kwisebe ngomntu, unako ukugcina i-akhawunti efanayo kungakhathaliseki ukuba uya kuphi.
Ezinye iibhanki ze-intanethi zinokunikela ngembuyekezo eyongezelelweyo ongayifumana kwibhanki yakho yasekuhlaleni. Kukho imali yokufumana imali yokuchitha imali kwiindidi ezithile okanye ibhonasi xa uvula i-akhawunti kunye nabo. Thatha ixesha lokuphanda zonke iinketho ezikhoyo ukuze usebenzise yonke imali ekhoyo kuwe.
03 Ziziphi iingxaki endiya kudibana nazo usebenzisa iBhanki ye-Intanethi?
Xa ukhangela ibhanki ye-intanethi, kubalulekile ukuba ufumane ibhanki kwi-intanethi eqinisekisiwe yi-FDIC. Emva koko kufuneka usebenze ukuze ugcine idiphozithi yakho ingakanani ngaphantsi komda oqinisekiswa ngu- FDIC . Ukuba ngaba iyimanyano yamatyala, i-NCUA inika ukukhuselwa okufanayo. Ukuba ukhetha ibhanki okanye inkontileka yemali ngaphandle kwesi siqinisekiso, ubeka ingozi yokulahlekelwa yimali ukuba ibhanki iphuma kwishishini.
Ukuba usebenzisa iibhanki ze-intanethi kuphela, unokujamelana nobunzima ngokuhlola imali oyenzayo kwabanye. Unako ukuhlawula iitshekishe kumasebe asekuhlaleni ukuba zisondele kuwe, kodwa unokuhlangabezana nomrhumo ukuba unayo i-akhawunti apho. Ezinye izitolo ziza kukhangela iirejista zokuhlawula imali, kodwa aziyi kusebenza kunye nokuhlola.
Enye into ongayenza kuyo ukuba ufuna ukufaka imali kwi-akhawunti yakho yasebhanki. Oku akuyi kusebenza nebhanki ye-intanethi, kuba awufuni ukuthumela imali enkulu yemali kwibhanki yakho. Ukuba wenza imali yokugcina imali okanye idiphozi zemihla ngemihla, uya kuba ngcono xa ukhetha ibhanki yendawo. Uninzi lweeakhawunti zoshishino zisebenza ngcono ngebhanki yendawo. Ngaphambi kokutshintshela kwibhanki ye-intanethi njengebhanki yakho ephambili, unokufuna ukuzama imizuzu embalwa.
Ukuba uvula i-akhawunti yokugcina i-intanethi, kufuneka ucebe phambili xa usenza ukutshintshela kuba kuthatha iintsuku ezintathu ukuba imali idlulise phakathi kweebhanki kuba kufuneka iphume indlu yokucoca.
04 Ndingayifaka njani i-Akhawunti ngeBhanki ye-Intanethi?
Kulula ukuvula i-akhawunti yebhanki ye-intanethi. Uya kusaya kufuneka unikezele inombolo yakho yokhuseleko loluntu, inombolo ye-akhawunti yebhanki apho uya kuthumela imali yakho kunye noxhumano lwe-intanethi. Emva kokuba uqinisekisile ukuba i-bhanki ivumelekile yi-FDIC, okanye i-NCUA ivunywe ukuba iyimanyano yekhredithi uza kucofa nje kwikhonkco echaza ukuba ivule i-akhawunti.
Kungathatha iintsuku ezimbalwa ukuba yonke into isebenze njengoko imali idluliselwa phakathi kweebhanki. Unokuba uhleko oluthile xa uthumela imali emva kwexesha elizayo, ngokunjalo. Oku kungenxa yokuba ukudluliselwa kwekhompyutheni kusenokuthatha usuku okanye ezimbini ukucaca ngokupheleleyo. Ungakwazi kwakhona ukuvula i-akhawunti kwifowuni, kuxhomekeke kwibhanki oyikhethayo. Qinisekisa ukuba unokujongana ne-intanethi kuphela ngaphambi kokuba uqale inkqubo yokutshintsha ibhanki.
Ukuba unemibuzo, unokuhlala ufikelela kwisebe leenkonzo zamakhasimende ebhanki. Kufuneka kubekho inombolo onokuyibiza. Ibhanki ngalinye linokuba nezikhokelo ezichaseneyo ze-akhawunti ukuze uqiniseke ukuba ufunda isitatimenti sokuvelisa imveliso.