Yintoni oya kuyidinga
Ukuvula i-akhawunti yebhanki kwi-intanethi kubandakanyeka ngakumbi kunokungena ngemvume kwi-akhawunti ye-imeyile yamahhala; uzakufuna ukufumana izinto ezimbalwa ngaphambi kokuba uqale inkqubo.
Kwiindawo ezininzi zeebhanki, unokuvuka kwaye usebenze kunye nezinto ezidweliswe ngezantsi.
Ulwazi lomntu siqu: kuya kufuneka uxelele ibhanki okhoyo kwaye unikele iinkcukacha zakho malunga nawe. Inombolo yakho yoKhuseleko loLuntu okanye ulingana, umhla wokuzalwa, kunye naliphi na i-ID ekhutshwe nguRhulumente (ilayisensi yokuqhuba, ipasipoti, i-ID yomkhosi yase-US, njl.) Iya kufuneka.
Ulwazi loqha ga mshelwano: kuthini ukuba ibhanki ifuna ukudibana nawe? Uya kufuneka ukubonelela idilesi, inombolo yefowuni kunye ne-imeyile idilesi. Nangona usebenza kwihlabathi elithe tye, umthetho wesigqeba ufuna ukuba unike idilesi yakho yendawo - apho uhlala khona - kodwa unokubonelela ngebhokisi le-PO okanye efana nedilesi yeposi .
Ulwazi loxhasomali: uza kufaka njani imali kwi-akhawunti? Iibhanki zihlala zidinga idiphozithi yokuqala ukuze ivule i-akhawunti yakho. Ukwenza oko, ungasebenzisa i-credit card okanye i-debit card, okanye unikele ngeendlela zokuhamba kunye ne- akhawunti ukudala unxibelelwano kwenye i-akhawunti yebhanki
Akukho fomu? Ngaba nanini?
Ngeebhanki ezithile, uvale ukuvula i-akhawunti yakho xa unikezele ngolwazi olungentla. Uya kusayina naziphi na izivumelwano zomthetho nge "E-signature," kwaye ungaqala ukusebenzisa i-akhawunti ngokukhawuleza.
Ezinye iibhanki zikuvumela ukuba uqalise izinto, kodwa ekugqibeleni ziza kufuneka zityinwe.
Ngokuqhelekileyo uya kufumana into efana ne "Welcome Kit" kwi-imeyile (ubuncinane akudingeki ukuba uprinte nayiphi na into) nawaphi na amaxwebhu afunekayo. Ngokomzekelo, ibhanki yakho ingathanda ukufumana isayineli yakho ukuze ikwazi ukuba ibukeka njani xa ubhala ukuhlola okanye uthabathe ukuthengwa kwekhadi lokuthenga.
Ukuba unenjongo yokusebenzisa i-akhawunti ngokukhawuleza, biza ibhanki uze ubuze ukuba yintoni inkqubo (okanye uxoxe nabasebenzisi be-intanethi). Ukuba ibhanki idinga ukutyikitywa kwiphepha, kuya kufuneka ulinde ixesha elide ngaphambi kokusebenzisa i-akhawunti yakho - kwaye oko kunokudala iingxaki ukuba wenze idiphozithi yokuqala. Unokuba ngcono xa uvula i-akhawunti kumntu, okanye uhamba nebhanki ekuvumela ukuba uvule i-akhawunti ngokupheleleyo kwi-intanethi.
Iingxaki zokuvula i-akhawunti kwi-intanethi
Kwezinye iimeko, awukwazi ukuvula i-akhawunti yasebhanki kwi-intanethi - uya kulungiselela ukutyelela isebe okanye unikele ngamaphepha angeziwe ukuze ufumane i-akhawunti. Ezinye izizathu eziqhelekileyo ziquka:
I-credit "yakho": iibhanki ziqinisekisa ubungqina bakho njengoko uvula iakhawunti yakho. Enye yeendlela abazenzayo ngoku kukujonga ikhredithi yakho (ewe, baya kujonga ikhredithi yakho nokuba awuyiboleka imali). Ukuba awunayo imbali yamatyala-ngenxa yokuba usemncinci kwaye awubolekanga ngokwaneleyo ukwakha inkokhelo , umzekelo - abayi kufumana nto.
Ngenxa yoko, baya kucela ukuba u tyelele isebe nge-ID ekhutshwe nguRhulumente ukuvula i-akhawunti yakho.
Ngaphantsi kwe-18: abantu abangaphantsi kweminyaka eyi-18 abakwazi ukuvula ii-akhawunti zebhanki ngokwabo. Ukuba uneminyaka engaphantsi kwe-18 kwaye ufuna ukusebenzisa i-akhawunti yokutshekisha okanye yokulondoloza, kukho ukhetho apho , kodwa uya kufuna umntu omdala (kungekhona umzali) kwi-akhawunti, kwaye unokufuna ukutyelela isebe kumntu.
Ukuqwalasela umlando we-akhawunti: ukuba unikwe i-akhawunti yokukhangela i-akhawunti (okanye i-checked checks) ngexesha elidlulileyo, awukwazi ukuvula i-akhawunti yebhanki kwi-intanethi. Qiniseka ukuba ubuyekeze ingxelo yakho ye- Chexsystems ngeephene xa unzima ukufumana i-akhawunti. Kwakhona, unokufumana inhlanhla engcono kwisebe.
Ubemi: kulula kakhulu ukuvula i-akhawunti kwi-intanethi ukuba ungummi wase-US. Oku akuthethi ukuba akunakwenzeka ukuba awuhlali ummi, kodwa ukutyelela kwesebe kunokufuneka.
Iingxelo zeBhunga: ezininzi iibhanki ezine-akhawunti yokuvula i-intanethi zivumela abantu ukuba bavule i-akhawunti. Ukuba ufuna i-akhawunti yoshishino, ithemba, okanye enye inhlangano, kukho ithuba lokuba uya kuthunyelwa kwisebe (okanye ufake iifomu ze-akhawunti ngeposi). Ukukwazi ukuvula le i-akhawunti kwi-intanethi kuyanda kutholakala, kodwa kusenjalo.
Kuphi ukuvula iAkhawunti
Phantse naziphi na iziko lezemali liza kukuvumela ukuba uvule i-akhawunti kwi-intanethi (ingafuna iisayinithi kwiphepha kamva, kodwa ziya kufumana ibhola yokuqhafaza kunye neefomu zeposi). Nokuba amanyano amancinci amancinci kunye neebhanki zengingqi zamkela iisayinithi ze-E Ukuba unombono wendawo ongathanda ukuyibhanka, vele uvakatye kwiziko leziko leziko kwaye ujonge ukhetho lokuba "Vula i-Akhawunti ngoku."
Ukuba unobunzima, ibhetri yakho engcono yokufumana i-akhawunti evulwe kwi-intanethi ukusebenzisa ibhanki ye-intanethi - baye benza le minyaka. I-Captial One 360 ( funda ukuhlaziywa ), i- Ally Bank ( funda ukuhlaziywa ), kunye nabanye banikezela ii-akhawunti ezinkulu kunye namava e-intanethi elula.