Yilungiselele kwaye Yenze!
Ingaba uvula i-akhawunti yakho yokuqala okanye i-50 yakho, injongo kukufumana umsebenzi ogqityiweyo ngokukhawuleza kwaye uqhubele phambili kwizinto ezinokuzonwabisa xa ukhetha uluhlu lwakho.
Iingcebiso ezingezansi kufuneka zikuncede uvuke kwaye usebenze ngokukhawuleza.
Qinisekisa ukuba Uvula i-akhawunti efanelekileyo
Ukutshintsha iibhanki nokuvula ii-akhawunti ezintsha akulula , ngoko qiniseka ukuba kufuneka uyenze kanye kuphela. Qhaqhelana neentlobo ezahlukeneyo zeakhawunti uze ukhethe ezo zihlangabezana neemfuno zakho.
- I-akhawunti yokugcina iyona nto ibaluleke kakhulu yokubamba imali kunye nokufumana imali encinci yomdla. Awukwazi ukuyisebenzisa imali kwii-akhawunti (ngaphandle kokuba uhoxise imali), kodwa unako ukuhambisa imali kwi-akhawunti yokukhangela yokuchitha.
- Ukuvavanya iakhawunti kukusetyenziswa kwansuku zonke kunye nokuhlawula iindleko. Nangona ungazange ubhale isheke, ufanele ufumane ikhadi lokukhwabanisa ongayisebenzisa kwi-intanethi nakwiivenkile. Ngaphezu koko, abavoli bethanda ukutsala imali kwi-akhawunti, kwaye umqeshi wakho ufuna ukuthumela umvuzo wakho kwi-akhawunti yokujonga.
- Iimali zeemarike zemali zikuvumela ukuba uchithe imali ngokukhawuleza ngelixa uhlawula umdla-ngokuphindaphindiweyo kunokuba uza kufumana kwi-akhawunti yokulondoloza.
- Izatifikethi zediphozithi (iiCD) zisebenzise ngemali ongeyena uzimisele ukuyichitha nayiphi na ixesha kungekudala-ubuncinane iinyanga ezintandathu-kwaye ufuna ukugcina ukhuseleko kwibhankini
- Ii-akhawunti kuphela ziphakathi kwezinto ezincinci ezikhethiweyo, kodwa ulahlekelwa ezinye zeenzuzo zesebe lezitena kunye nelo . Unako ukuhlala usebenzisa i-akhawunti ye-intanethi kunye neengxelo zetena nezitena.
Iinkalo ezahlukeneyo: Iibhanki ezininzi kunye neemanyano zeentengo zemali zinikela ngemveliso efanayo, kubandakanywa i-akhawunti yokujonga nokugcina imali. Impawu ezimbalwa eziphambili zingenza umehluko phakathi kwebhanki oya kufuna ukuyichitha kunye nenye oya kumanyanisa nayo iminyaka, ngoko ke unqume ukuba zeziphi iimpawu ngaphambi kokuba wenze isigqibo kwibhanki.
Yiba ne-savvy-savvy: Iindleko zibalulekile. Kunzima ukwakha imali yokugcina imali xa uhlawula imali ephakamileyo kwibhanki yakho-kwaye uya kuziva ukhohlisiwe. Ukukhangela kwamahhala akufi. Ziqhelanise nemali ephezulu kakhulu yebhanki (kwaye ufunde indlela yokuziphepha).
Ukhuseleko lokuqala: Kakade, uya kufuna kuphela ibhanki apho imali yakho ikhuselwe yi- inshurensi ye-FDIC (okanye inqaku le-NCUSIF xa usebenzisa i-credit union).
Okufunekayo Ukuvula iAkhawunti
Ngoku ukuba ukhethe i-akhawunti efanelekileyo, lixesha lokugqiba isicelo. Kwiimeko ezininzi, oku kuya kwenziwa ngokupheleleyo kwi-intanethi . Nangona kunjalo, ezinye iibhanki zifuna ukuba ushicilele isicelo (okanye ubuncinane ikhadi lomqondiso) kwaye uyithumele kuyo. Nabanye, unokufuna ukutyelela isebe kumntu.
Fumana izinto ezilandelayo zilungele isicelo sakho (ufuna ukwenza oku kwenziwa kwelinye shot ukuze uqhubele phambili kwizinto ezibaluleke ngakumbi):
- Inombolo yoKhuseleko lweNtlalo (SSN) okanye enye iNombolo yokuThengwa kweNtlawulo (TIN)
- Umhla wokuzalwa (jonga ngezantsi xa uneminyaka engaphantsi kwe-18)
- Idilesi yakho yomzimba (ungasebenzisa kwakhona idilesi yeposi ehlukile, kodwa idilesi yesimo / yesitalato iyadingeka phantsi komthetho wesigqeba)
- Ukuchonga (ilayisensi yomqhubi, ipasipoti, okanye enye i-ID ekhutshwe nguRhulumente)
Unokufuna kwakhona ifom ye sibini. Xhumana nebhanki yakho okanye ufunde ngamaxwebhu kwanoma yiphina imfuno.
Ngaphantsi kwe-18? Ukuba uneminyaka engaphantsi kwe-18 ubudala, uya kufuna umntu oneminyaka engaphezu kwe- 18 ukuvula i-akhawunti kunye nawe . Usenokukwazi ukusebenzisa ikhadi lokubambisa kunye neebhanki ze-intanethi, kwaye ekugqibeleni unokufumana i-akhawunti yakho. Kodwa iibhanki zifuna ubuncinane umntu omdala kwi-akhawunti ukuze uqalise. Ngeebhanki ezithile, akudingeki ukuba ngumzali-nawuphi na umntu omdala othembekileyo uya kwenza.
Iingxelo ezihlangeneyo: Ukuba uvula i-akhawunti edibeneyo nayiphi na uhlobo, uya kulufuna ulwazi oluyimfihlo kubo bonke abanikazi be-akhawunti kunye nesayinela kubo bonke.
Kukulungele ukufumana wonke umntu ndawonye kwindawo enye ukugqiba isicelo.
Idiphozithi yokuqala: Kuya kufuneka uhlawule i-akhawunti yakho. Buza ibhanki yakho ukuba ubuncinane bunjani ukuvula i-akhawunti. Kwiimanyano ezininzi zeentengo zemali, i-$ 5 ukuya kwi-25. Kwiibhanki ze-intanethi, ngokuqhelekileyo akukho ncinane ubuncinane bokupaka idiphozi. Ukongeza kwinqanaba elincinane lokuvula, jonga iimfuneko zokulinganisela ibhalansi, ezingabangela iimali zenyanga . Ukuze wenze idiphozithi yakho yokuqala, ungayifaka imali kumntu, ubhale isheke kwi-akhawunti, uyixhashe ngekhadi lokutsalwa, okanye udibanise i-akhawunti yebhanki eyahlukeneyo yokudluliselwa nge- elektroniki phakathi kweebhanki .
Imanyano yematyala: Imanyano yematyala ibanjana neebhanki , kodwa "lilungu" okanye amaziko anikezelwa ngabathengi. Ukuvula i-akhawunti yomanyano-mboleko, kufuneka ufaneleke ngokubelana ngesimo kunye namanye amalungu kwiqela. Oku kungaba ngumzi ohlala kuwo okanye kwishishini osebenzela lona. Mane ubuze iimanyano zekredithi zendawo ukuba uthathe ilungu, kwaye baya kuchaza. Kulula kunokuba ungacinga ukuba ufaneleke kwiinkampani ezininzi zeekhredithi.
Iimanyano zetyala zifana neebhanki ngokuphathelele kwimveliso kunye neenkonzo ezinikezelwayo, kwaye nazo zine-inshorensi yokubambisa i-federal. Iibhanki zeSizwe zinamaqela amaninzi kunye nee-ATM, kodwa kwanamanyano amancinci amancinci angakhonza kulo lonke ilizwe kunye ne-branching ehlangene . Ukufumana iinkcukacha ezongezelelweyo kwiimanyano zemboleko, jonga ukuba ziqhathaniswa njani neebhanki .
I-akhawunti yezo shishino: Ukuvula i-akhawunti kwishishini, uya kufuna amanye amaxwebhu ngenxa yobunini benkampani. Ngokomzekelo, unokufuna amaxwebhu anxulumene nokubunjwa kwebhizinisi lakho (amanqaku okufakwa, umzekelo) kunye nesisombululo senkampani sigunyazisile i-akhawunti entsha yebhanki. Qaphela ukuba iibhanki zihlala zineentlawulo ezahlukeneyo zeebhanki, ngoko unokufuna ukuyithengela i-akhawunti engabizi. Ngengcamango, jonga Njani naphi ukuvula i-Akhawunti yokuhlola iAkhawunti .
Imbali Yakho yezeMali
Awudingi umlando ococekileyo we-akhawunti yebhanki, kodwa inceda. Iibhanki ezininzi zihlola ityala lakho ukuze ubone ukuba unengxaki yokubuyiselwa imali mboleko kwixesha elidlulileyo. Ezi ngxelo zetyala zivame ukuba "zithambile" zithintela ukuba zingonakali lakho ngetyala-kodwa kukulungele ukubuza ukuba unomdla. Akudingeki ukuba ufumane i-credit yekhredithi ukuze ufumane i-akhawunti yasebhanki, kodwa ukuba netyala elingenakwenzeka ngamanye amaxesha kungakhokelela ekukhanyeleni. Ukuba ngaba kunjalo kuwe, jonga kumakhadi e-debit akhokhelwa njengengomso wexeshana kwi-akhawunti yasebhanki, kwaye uphucule i-credit yakho ukuze usebenzise i-akhawunti yangempela kwiminyaka embalwa.
Ukuba unenkxalabo ngokujonga i-akhawunti kwixesha elidlulileyo njengama- checks aphindaphindiweyo kunye nezilinganiso ezingalunganga, unokuba nobunzima ukuvula i-akhawunti. Amabhanki ahlole iinkcukacha ezifana ne-ChexSystems ukugqiba ukuba ngaba okanye ukuvula ii-akhawunti. Ukuba unemibiko engalunganga kwiingxelo zakho ze-ChexSystems, kuya kufuneka ufune iibhanki ezinika "ikhefu lesibini" akhawunti.
Ezinye izinto ezisuka kwimbali yakho zinokuba okanye zingenakuba yingxaki. Ukuba uthe wagwetywa ngenxa yecala, kuxhomekeke kuhlobo lwe-felony kunye nebhanki. Ngokomzekelo, ulwaphulo-mali lwezemali (njengokuchithwa kwemali) lunokukunqanda ukuba ungayifumana i-akhawunti, ngelixa ezinye iindawo ezingenakucingela.
Phezulu no kuqhuba
Emva kokuba i-akhawunti yakho ivulekile, qiniseka ukuba izinto zihambe ngokufanelekileyo ngokusemandleni akho:
- Yenza isicatshulwa okanye i-imeyli izaziso zokukwazisa xa ibhalansi yakho ye-akhawunti isebenza ngokukhawuleza okanye ukukhutshwa okukhulu kwi-akhawunti yakho.
- Gcina iakhawunti yakho rhoqo. Ukuphambuka iimpazamo kunye nobuqhetseba ngokukhawuleza kuya kukunceda usebenzise ngokupheleleyo imithetho yokukhusela abathengi .
- Misela ukuhlawula i-bill ye-intanethi ukwenzela ukuba uhlawule iindleko ngexesha (kwaye ngokufanelekileyo).
- Misela idipozithi ngqo evela kumqeshi wakho ngoko akudingeki ukuba ulinde iifowuni uze ufike ebhanki.