Ubuso betshekhi luyaqwalasela yonke ingqalelo, kodwa umva wetshekishe ibaluleke ngokulinganayo. Ukuguqula elo phepha lephepha ukuba uchithe imali, kuya kufuneka uqinisekise ukutshekisha kakuhle. Kwihlabathi leentlawulo zekhompyutha, ukuhlolwa kwamaphepha kusebalulekile. Zisetyenziselwa rhoqo ukuthengiselana okubalulekileyo njengokuthenga ikhaya, kwaye unokubona ukuhlolwa kwimiba engaphezulu kwixesha elifutshane okanye xa ususa i-akhawunti yakho yasebhanki .
Ingaphambili yesheke iqulethe ulwazi olubalulekileyo , kodwa kufuneka ufunde indlela yokuhamba ngayo kwakhona.
01 Oya kubona
Uvavanyo luyahlukahluka kuxhomekeke kwimiphi imiba okanye ukuyiprintisa, kodwa emva kokutshekisha ngokubanzi kunamacandelo amathathu ahlukeneyo.
Indawo yokwamukelwa yilapho uvumela khona-tyikitye-isheke emva kokuba ulungele ukufaka okanye ukheshi imali. Oku kungase kube lula njengoko ukongeza isayineli yakho, kodwa ikhuselekile ukusebenzisa i-endorsement evumela ukuba isheke ingasetyenziswa njani . Ukuba iteksi ilahlekile okanye ibiwe emva kokuba uyivume, umqobo wakho wenza kube nzima ukuntshontsha imali ngokwayo.
Iskrini sekhuseleko asiyindawo oza kuyisebenzisa njengomthengi; Iitshekhi zithi le ndawo igcinelwe ukusetyenziswa kweziko lemali. Amabhanki asebenzisa le ndawo ukuba aqaphele ukuhamba kweemeko xa isheke senziwa. Eli candelo lidla ngokuphrinta kakhulu (mhlawumbi kunye nomzekelo wemigca) ukwenzela ukuba kunzima ukukopisha kunye nokuvelisa. Kwisitokethi esitsho ngokusemthethweni, uya kufumana amagama athi "I-Document Original" apha, kodwa kufuneka ubhekisise.
Ibhokisi lezokhuseleko lichaza iinkcukacha zokhuseleko kwisheke. Iqulethe isilumkiso esinokukunceda amaxhoba ukuba atshintshe okanye akopishe isheke, kwaye inika neengcebiso zokukunceda ukuba ukhangele ukuba isheke sivumelekile. Umzekelo, kunokubonisa ukuba ukhangele i-microprint okanye i-watermark kumatshini.
Ngubani Ubonakalisa Ngemva Kokuhlola?
Kukho ukudideka ngokubanzi malunga nokuba usayineliphi ahamba khona: Ngaba usayine umva kwisheke xa uyibhala okanye ingumsebenzi wommkeli?
Xa ubhala isheke , yindawo efunekayo ukuba uyityine ingaphambili, kumgca wokutyikitya . Kuyakwazi ukufaka imiyalelo emva kwetshi xa ubhala (umzekelo, ungabhala, "Ukuze udifice kuphela," ukuba ufuna ikhonkco egcinwe kwi-akhawunti yebhanki endaweni ye-cashed), kodwa awukwazi Ezithile iipesenti eziyi-100 ukuba imiyalelo yakho iya kuhlonishwa.
Ukuba ufumene iteksi , uya kufuneka usayine umva ukuze ukhokhe okanye uhlawulele isheke (jonga indawo ephakanyisiweyo ngasentla). Kanye kunye nesiginesha sakho, unokubandakanya imiyalelo ecwangcisa ukuba isheke ingasetyenziswa njani. Ngokomzekelo, ukuba uthumele iteksi ukuba uyifake, ungabhala, "Ukuze udibanise kuphela kwiakhawunti ...," kwaye ufake inombolo yakho ye-akhawunti. Ngaloo ndlela, akukho mntu unokukwazi ukuhlawula i-check if it is lost in mail.
02 Ngaba Isayinwa iyadingeka emva kwe-Check?
Unako, kwiimeko ezininzi, uhambe ngokufaka isheke kwi-akhawunti yakho ngaphandle kokusayinwa (ukuba isheke senziwe sihlawulwe kuwe). Nangona kunjalo, likhuselekile kakhulu ukuba lisayine. Ngaphandle kokusayinela, ithekishe ingabuyiselwa kumkhuphi, kubangele iimali kunye nokulibaziseka ekufumaneni imali yakho. Nokuba i-bhanki yakho "ifake" isheke ngaphandle kokusayinela ngasemva kwaye ubona imali eyongeziweyo kwi-akhawunti yakho, ukuba isheke ingafunyanwa ngeveki okanye ezimbini emva koko.
Ngokuhlolisisa , uzakufumana inhlanhla encinci ukusila isayinwa, kodwa ungamangaliswa ukuba ibhanki ikugubungela isayinwe ekuhloliseni ishishini (okanye iirekhodi ezinkulu).
Iifowuni zemali. Kwakunjalo ukuphawula ukuba wenza isheke sefowuni yeselula . Ezinye iitsheki ziquka ibhokisi yokutshekisha ukubonisa ukuba usebenzisa isevisi yokugcina idizithi, kwaye ezinye iibhanki zikuyala ukuba ubhale okuthile malunga neefowuni eziphathekayo kwisheke. Unokwazi ukuhamba ngokungawuthobeli loo miyalelo, kodwa kukulungele ukucela ibhanki yakho ukukhokela. Ukuba awuhlangabezani neemfuno zabo, unokujamelana nokulibaziseka ekufumaneni imali yakho.
03 Inombolo emva kwe-Hlola
Inombolo kwindawo yokuvuma (kuthathwa ukuba ishicilelwe ngaphambili kwitshekisha kwaye ayikho inombolo ye-akhawunti) kaninzi iifowuni zokusetyenziswa ezisetyenziselwa ukulandelela ukuhlola. Ziluncedo ngokukhethekileyo kumashishini atshintshayo ahlola i-stock "check blank".
Amanani angaphandle kwendawo yokuvuma ayongezwa ngamabhanki athatha isheke xa ekhutshiwe okanye efakwe. Ezi mabhanki ziphrinta ulwazi lwazo kwisheke kwaye zithumela kwi-bhanki apho imali iya kufikelela ekugqibeleni.