Ngelishwa, ngamanye amaxesha kukho ingxaki: ibhanki yakho ibamba imali, kwaye awukwazi ukuhoxisa imali okanye uchithe xa ufuna. Umgaqo-nkqubo we-bhanki yakho yokufumaneka kwemali , kunye nemimiselo yomgaqo-nkqubo, ichaza ngokuthe ngqo ukuba kusetyenziswe ixesha elingakanani.
Ukufumaneka kwemali
Umgaqo-nkqubo wokufumaneka kwemali uchaza ukuba ufuna ixesha elingakanani ukulinda ukuchitha okanye ukuhoxisa imali emva kokuba wenze idiphozithi. Amabhanki kufuneka ukuba anikezele le ngcaciso ukuze ungabanjwa ngothushe, nangona abaninzi abantu bengazi malunga nale nkqubo kuze kube yilapho benamathele ukulinda imali yokucima.
Iinkcukacha malunga nenqubomgomo yebhanki yakho kufuneka ibe yinxalenye yesivumelwano sakho se-akhawunti okanye ifakwe kwezinye izibhengezo ezibonelelwe yibhanki yakho.
Ukugcina iiDosti
Xa ufaka imali kwi-akhawunti yakho, ibhanki ibambelela kwiintlawulo, oku kuthetha ukuba kufuneka ulinde ubuncinane ngosuku lomsebenzi ngaphambi kokuba usebenzise imali. Ngokukodwa ngokuhlola kunye nemirhumo yemali , ibhanki ayikwazi ukuqinisekisa ukuba inkokhelo ivumelekile, kunye nemali ayiyi kufika ebhankini iintsuku zamashishini (okanye ngaphezulu) emva kokuba wenze idiphozithi yakho. Ibamba lijoliswe ekukhuseleni ibhanki ekulahlekelweni kwemali.
Ezi ziyakukhusela kwakhona kwinqanaba elithile, kodwa ekugqibeleni unembopheleleko yiphina idiphozithi oyenayo kwiakhawunti yakho. Ukuba i-bhanki yakho ikuvumela ukuba uhlawule isheke ezayo emva koko (okungenzeka iiveki ezimbalwa emva kokuba wenze idiphozithi ), kuya kufuneka uhlawule iimali kwaye uya kufuneka ubuyisele ibhanki ngemali awayekunike yona-nangona akukho nanye iphoso lakho.
Yingakho ihlawulela ukuqinisekisisa imali kwiingheke zokukhangela , kwaye ugweme ukuthatha iintlawulo kumntu ongathembekiyo.
Ukugcina iixesha
Imimiselo ye-Federal limisela indlela amabhanki angasetha ngayo iinkqubo zabo zokufumaneka kwemali. Amabhanki avunyelwe ukuba angacinci nakakhulu ukuba afuna - angenza imali ifumaneke ngokukhawuleza, yaye bahlala benjenjalo-kodwa abanako ukugcina imali ngonaphakade.
Ukuba kukho ukubamba idiphozithi yakho, ibhanki kufuneka ikunike umhla wokukhululwa kwiirisithi. Kwezinye iimeko, zongeza intsimbi kamva (kwaye ikuthumelele isaziso), ngoko yinto efanelekileyo ukujonga i-akhawunti yakho ngaphambi kokuba uchithe xa uhlawule imali.
Usuku lworhwebo olulandelayo: amaninzi amabhanki athi "ngokubanzi" benza imali ekhoyo ngosuku lomsebenzi emva kokuba wenze idiphozithi, kodwa kukho okunye. Iimali ezihlawulwe kumqeshwa webhanki kufuneka zenziwe zifumaneke ngosuku olunye lweshishini (kwaye ezo ntlawulo zihlala zifumaneka ngokukhawuleza). Iintlobo ezithile zokuhlola kufuneka zifumaneke nangomnye ushishino:
- Iibhanki ezisemthethweni zihlola njengetshekhi ye-cashier
- Iikopi ezikhutshwe nguNondyebo we-US (njenge-refund yakho yerhafu okanye iNgcaciso yeNtlalo)
- Uhlola i-$ 200 okanye ngaphantsi
- Iitshekhi ezithathwa kwibhanki elifanayo olifaka kuyo
- Iimali ze-USPS zemali
Ukuba inani elipheleleyo leentlawulo ngokutshekisha ngelinye ilanga li ngaphezu kwama-5,000, okanye ukuba ikhonkco ivunyiwe ngumntu ngaphandle komntu onikwe yona , iibhanki zinokubamba.
Iifowuni zekhompyutheni ezifana nokutshintshwa kocingo kunye nepositi ngqo zifumaneka ngokubanzi ngosuku olunye.
Iintsuku zoshishino ziquka iintsuku zeveki ezingekho iiholide.
Ixesha elide lokubamba
Umthetho we-Expedited Funds Disability Act (Umgaqo-CC), obeka imigaqo malunga nokukhawuleza ukuba ibhanki kufuneka ikhulule imali yakho, ivumela ixesha elide kumaxesha athile. Ezi zidla ngokuba zikhethiwa .
Xa okungafaniyo kusebenza, ibhanki inokubamba imali yexabiso "elifanelekileyo" lexesha. Lelo xesha alichazwe ngokuthe ngqo, kodwa iintsuku ezingama-5 zoshishino okanye kunjalo malunga nexesha elide kufuneka uzilinde.
Ingaphezulu kwama-5,000 e-$: Ukuba ubeka ngaphezulu kwama-5,000 e-checks-nokuba uhlolisiso olusemthethweni okanye uhlolo-rhu lumente-ibhanki kufuneka wenze i-$ 5,000 yokuqala efumaneka kwimihla yokusebenza enye, kodwa ibamba lingabelwa kwisixa esisele.
Uhlolo olubuyiselwayo: Ukuba isheke siphindwa kwakhona (ngenxa yokuba sagxothwa xa safakwa kuqala), ibhanki ingongeza ixesha elide.
Kufuneka ukhathazeke ngokuphathelele ezo zihlolwe.
I-akhawunti ekhredithiwe ngokuphindaphindiweyo: I-akhawunti ye-overdrawing yakho (okanye ukuchitha imali engakumbi kunokuba ufumaneke kwi-akhawunti) ayikho nje ibangela iifizi zebhanki ezithembekileyo-kunokukhokelela ekubanjweni kwiifom deposits, ezenza kube lula ukuba uya kwizinto ezimbi.
Ukungathandabuzeki kokuqiqayo: Ukuba ibhanki igxeka ukuba ingotshe ayiyi kuhlonishwa, ingafaka ixesha elide lokubamba. Izizathu eziqhelekileyo zibandakanya ukuhlolwa kwexesha elide kunye nokuhlolwa kwimihla engaphezulu kweentsuku ezingama-60.
Iingxelo ezintsha: ii-akhawunti ezintsha zeebhanki zingozi kakhulu kwiibhanki. Ukuba i-akhawunti yakho ingaphantsi kweentsuku ezingama-30 ubudala, lindela ukuba uhlolwe iqhutywe kwiintsuku ezithoba. Nangona kunjalo, iintlawulo zekhompyutha kunye nokuhlolwa kwamagosa kufuneka kube nobuncinci bokufumaneka kwintsuku elandelayo.
Qaphela ukuba le mi miselo iyasebenza nakwiimanyano zentengo zemboleko.
Khumbula ukuba iintsuku zoshishino ziqhelekileyo iintsuku zeveki. Iiveki zeeveki kunye neeholide zedolophu eziwela ngeentsuku zeveki ziya kunciphisa amaxesha okucima .
Jonga ixesha lokuCima
Kuhlala kubalulekile ukuchaza imigaqo yakho. Xa ufaka isheke, mhlawumbi ucinga ukuba wenze "namhlanje." Nangona kunjalo, iibhanki zibeka amaxesha atyunjiweyo onokuthi ube ngowama-ntambama apho uhlala khona. KwiBhanki yaseMelika, i-2 ntambama. KwiBhanki yeChase, yilapho igatsha lakho livala. Xa usenza idiphozithi ebalulekileyo, cela umxeleli ukuba ungalindela ngokwemiqathango ekhoyo (kwakhona, irhafu yakho kufuneka ikuxelele kwakhona).
Ukuba kusekupheleni kwemini, unokube ngcono xa ufaka kwi-ATM okanye nge-app yebhanki yakho yeselula (ngokufakela umfanekiso wesheke ) -ezo ndlela zenzeke emva koko. Nangona kunjalo, esi sicwangciso sinokubuyisa: ngenxa yokuba ungenzi idiphozithi kumntu kumntu webhanki, kukho ezinye iingxaki ezinokuvela - ngokukodwa kwiATM ezingenaso umfanekiso wesheke. Ezi zicwangciso zilunge xa ​​ungadingi yonke imali kwaye i-akhawunti yakho ibume kakuhle. Buza inkonzo yamakhasimende ukuba yintoni efanelekileyo kwiimeko zakho.