Yintoni eyenza le nkampani yezemali ibonakale?
Ibhanki ineemveliso ezininzi zemveliso kubandakanya i-akhawunti yokulondoloza, ii-CD, kunye nokukhangela iimveliso kunye namazinga okukhuphisana. Ngenxa yokuba ubukho balo bukhompyutheni buyancipha, u-Ally uzimisele ukunikela amaxabiso amaninzi kunye nemveliso kunamanye amabhanki.
Ubume be-Ally Bank
Intsalane enkulu kwi-Ally Bank yi- APY ehlawula kwiimveliso zentlawulo, kubandakanya ukuhlola i-akhawunti, i-akhawunti yokulondoloza, ii-akhawunti zeemarike kunye neSatifikethi seDistim (CD). Ukuze uhlawule amaxabiso, u tyelele iwebhusayithi ye-Ally Bank, njengoko utshintsho lwamaxabiso luhlala ludla.
I-Ally Bank iya kuhlola i- credit yakho, nangona ungeke uhlose ukuboleka. Ifuna ukuqinisekisa ubungqina bakho kwaye uzama ukuqikelela ukuba uya kusebenzisa izicwangciso zakho zokukhusela i-overdraft ngokufanelekileyo. Ukuba ungekhredithi enhle okanye unembali yezemali eqaqambileyo, le nto inokubangela ukuxhalabisa.
Ukutshekisha umdla
I-Ally Bank inikeza umdla wokutshekisha i-akhawunti evumela ukuba ufumane imali ngelixa uligcina ilwelo. Inzala yokukhangela i-akhawunti ayinaso umda wokurhoxiswa kwi-akhawunti, kodwa ezinye i-akhawunti zenza. Ukuba awuqhelekanga ngokutshekisha umdla, funda izinto ezisisiseko.
Uza kuhlola ihhafu kwi-Ally Bank, kwaye unokuphinda ulungele kwakhona uphononongo olusisiseko ngaphandle kweendleko.
Oku kukwahlula nakwamanye amaziko emali ahlawula abathengi ukuba bahlole ukulungelelanisa. Kwakhona akukho ncinane idiphozithi kwaye akukho ntlawulo yenyanga kwi-Ally Bank, eyenza ikhangele ngakumbi. Ukuhlawulwa kwebhilikhi ye-intanethi kukhululekile, kwaye uza kufumana ikariti yebhanki yee-ATM kunye nokuthengwa.
IiAkhawunti zeCD
U-Ally unikezela ngezinga elifanelekileyo kwi-akhawunti ye-CD kunye neendlela ezininzi.
I-"ayikho isohlwayo" i-CD evumela ukuba usebenzise imali ngokukhawuleza ngaphandle kokuhlawula imali. I-CD ephezulu isivuno sayo sihlawula ngaphezulu kodwa sinemiphumo ye-CD yesihlomelo xa uphuma phambi kokukhula. Funda kabanzi malunga notyalo-mali lwe-CD , ukuba ufuna inkambo yokuhlaselwa kwizinto ezisiseko.
IiAkhawunti zeDistim
U-Ally unikezela nge-akhawunti yokulondoloza kunye ne-akhawunti yemarike yemali. Uhlobo oluphambili kukuba i-akhawunti yemarike yemali ibandakanya ikhadi lokukhwabanisa. Gcina ukhumbule ukuba, ngomthetho, unokwenza kuphela ukuhoxiswa kweesithandathu njengokudluliselwa ngogesi okanye ukuthenga ngeenyanga kule akhawunti yokulondoloza.
Ukuba umgomo wakho oyintloko kukufumana inzala, sebenzisa i-akhawunti yokulondoloza. Uya kuba nokufikelela okuncinci kwimali, kodwa i-APY iphezulu. I-akhawunti yemarike yemali ihlawula ngaphantsi kwe-savings, kodwa kulula ukufumana imali xa ufuna ukwenza njalo: Uza kuba nekhadi lokubambisa ukuba ungasebenzisa amaxesha amaninzi ngenyanga (engekho ngaphezu kweyesithandathu). Ekugqibeleni, umdla wokukhangela i-akhawunti ikuvumela ukuba uchithe ngaphezulu okanye ngaphantsi ngokukhululekile kwaye uhlawule iindleko kwi-intanethi.
Okuhle nokubi
Xa i-Ally Bank iqalile ukusebenza, iphulo layo lokukhangisa laliliphikisana. Injongo yalo yayibonakala igxeka ezinye iibhanki kwaye ibeke ngokwahlukileyo njengomhlobo, uhlobo oluthile lwebhanki. Kwakhona kwasebenzisa iintengiso zeTV eziphazamise ababukeli abathile.
Ekugqibeleni, le bhanki yenza imali ngendlela efanayo nezinye iibhanki.
I-Ally Bank igcina iimali eziphantsi. Akukho mali ye-akhawunti yenyanga, nangona ukuthengiselana okuthile kungabangela iintlawulo. Ibhanki isetyenzisiwe ukuhlawula iifizi ze-ATM zokurhoxisa kwaye iya kubuyiselwa nayiphina imirhumo ehlawulwe ngamanye ama-ATM asebhanki ekupheleni kwenyanga nganye. Nangona kunjalo, ayisekho ukubuyisela imali engapheliyo yemirhumo ye-ATM. Ngoku ibhanki ibuyisela imali engama-10 eyi-10 ngomjikelezo wokuhlawula.
I-Ally Bank ithandwa ngenxa yokuba unokwenza izixhumanisi ezingenamkhawulo ze- ACH kunye namanye ama-akhawunti asebhanki angama-20. Ezinye iibhanki ze-intanethi zikukhawulela ezintathu okanye kunjalo.
Ekugqibeleni, i-Ally Bank ibonelela nge-24/7 inkonzo yabathengi kwifowuni kunye nangengxoxo. Abameli beenkonzo zabathengi bafumana iimpendulo ezixutywayo, kodwa ukuba uthanda ukuthetha nomntu wangempela ungayifumana i-Ally Bank ekhangayo.