Indlela yokuziphepha nokuzikhupha
Yintoni ebambeleleyo?
Ubambe ukulibaziseka kwexeshana ekwenzeni imali ekhoyo.
Ibhanki "ikhupha imali" ukuze ungeke uhoxise imali okanye uyisebenzise kwiintlawulo zekhompyutha, kodwa ezo mali zivela kwiakhawunti yakho. Imbali yakho yeakhawunti ibonisa zonke iiphozithi, kwaye imali yongezwa kwibhalansi yakho ye-akhawunti, kodwa imali ayiyiyo inxalenye yecala lakho elikhoyo .
Igama eliphambili ngasentla "liyatholakala." Unamanani eembali zeakhawunti, kuquka ibhalansi yakho yebhanki, kunye neemali zakho ezikhoyo .
Ukuba iakhawunti yakho ihlawula umdla, ngokuqhelekileyo uqala ukufumana umdla ngokukhawuleza-nangona ukuba imali ayifumaneki.
Kutheni iBhanki ibamba imali
Imali ayihambeli ngokukhawuleza njengoko ucinga. Xa ufaka isheke okanye umyalelo wemali kwi-akhawunti yakho yokukhangela, ibhanki iyakudalisa i-akhawunti yakho ngokukhawuleza (kubonisa ukwanda kwinqanaba lakho). Nangona kunjalo, imali ayisayi kudluliselwa kwibhanki ehlawulayo-leyo nkqubo ingathatha iintsuku eziliqela , kwaye ibhanki ayiyazi ngokuqinisekileyo ukuba intlawulo ilungile.
Amabhanki akhathazeke ukuba ukuhlola okubhalwa kuwe kunokubangela, okanye ukuba ezo zihlolwe azivumelekanga. Ukubamba idiphozithi inika ibhanki iintsuku ezimbalwa ukufumana ukuba akukho nto iphosakeleyo.
Ibhanki iyazikhusela ngokubhekiselele kwiilahleko, kwaye abo banokubamba banokukunceda ukuphepha iimpazamo ezinkulu (jonga ngezantsi).
Ixesha Elide Elibambe Ngayo
Kwezinye iimeko, iibhanki aziyikubamba iifomethi-unokuchitha imali ngokukhawuleza. Nangona kunjalo, kuqhelekile ukuba kubambe ixesha lokugqibela kwiintsuku zoshishino, kwaye uhlobo lwediphozi lubalulekile.
Amabhanki avunyelwe ukuba abe nesisa njengoko afunayo xa benza imali-banokukuvumela ukuba uhambe kunye nemali ngokukhawuleza-kodwa iifomethi zigcinwe rhoqo kwiintsuku zoshishino. Khumbula ukuba iintsuku zoshishino ziMvulo ukuya ngoLwesihlanu, ngaphandle kweeholide , iintsuku ezi-5 zoshishino zithetha iintsuku ezisixhenxe zekhalenda (okanye ngaphezulu, ukuba kukho iholide).
Umthetho we-Federal (i-Expedited Funds Availability Act) ubeka imida ukuba iibhanki zinokubamba ixesha elide .
Cash Deposits
Xa ufaka imali kumntu kubasebenzi basebhanki (ngokuchasene ne -ATM ), iimali kufuneka zenziwe zifumaneke ngosuku lweshishini elinye.
Eminye imigaqo engezantsi isebenza kwiimali zokungabikho kwemali.
$ 200 yokuqala
I-$ 200 yokuqala ye-deposit yakho kufuneka ifumaneke ngosuku lweshishini elinye. Intsalela kufuneka ifumaneke ngosuku lwesibini lweentsuku (ngaphandle kokuba "ngaphandle" kusebenza).
Iifomethi "ezisemthethweni" zifumaneka ngokubanzi ngosuku lweshishini elinye. Xa ubeka ngaphezu kwee-5,000 zama-checks ngosuku olunye, i-$ 5,000 yokuqala kufuneka ifumaneke ngosuku olunye, kodwa kunokubamba iqela elisele.
Ezi ntlawulo ziquka:
- Iincwadi zebhanki ezisemthethweni zihlola njengesixhobo sokuhlola i-cashier okanye ithengi eqinisekisiwe
- Iimali zemali ezikhishwe yi-United States Postal Service
- Iitshekitshi ezikhishwe yimibutho karhulumente (njengembuyekezo yentela evela kwi-Treasury yase-US)
- Iirekhi ezithathwa kwiziko elifanayo owenza idiphozithi yakho
"Ukungabikho" kunokubangela amaxesha amaninzi. Ibhanki yakho kufuneka ilandele umthetho wesigqeba kwaye ilungele ukwandiswa, kodwa kwiimeko ezininzi, ibamba kufuneka liphele kwiintsuku ezisixhenxe zoshishino. Ukungafani okuqhelekileyo kubandakanya:
- Iifosti ezingaphezu kwama-5,000 ngemini kwi-akhawunti yakho
- Ukuxhomekeka kwiakhawunti entsha yokujonga i-brand okanye i-akhawunti kunye nembali yemali enganeleyo
- Uhlolo olubuyiselwayo (oluye lwadlula phambili)
- Xa ibhanki likhankanya ubuqhetseba okanye ayikholelwa ukuba isheke livumelekile
Indlela yokususa i-Hold
Kuyakhathazeka xa ungeke uchithe imali yakho, kwaye iibhanki zihlala zibeka imigaqo ngomgaqo-nkqubo (inkqubo yekhompyutheni yenza into efanayo kuyo yonke ihlole, kaninzi ngaphandle kokukhipha ngaphandle).
Kuyakwazi ukufumana ibhenxiswanga isusiwe, kodwa kuya kufuneka uphendule ityala lakho.
Yintoni eyabangela ukuba
Okokuqala, fu manisa ukuba kutheni ikhona. Ngokomzekelo, usenokuba ufake i- oda yeNtshona Union ngemali ethile into oyithengisayo kwi-intanethi. Le nto ikhefu idizithi. Ngaphandle koko, imali yakho inokuqhwaba ngenxa yokuba usebenzise ikhadi lakho lokubambisa kwi-shishini elisebenzisayo.
Cela ukuba UCwecwe
Ukuba umrhwebi wabeka i-akhawunti yakho ngekhadi lakho lokubambisa, qhagamshelana nomrhwebi uze ubacele ukuba bakhululwe imali. Ezi zibambe zimele zihambe emva kweentsuku ezimbalwa, kodwa zixakeke ngakumbi kwiihotele, iimoto eziqashisayo kunye neepompo zepetroli (okanye ezinye iimeko apho ibhalwa lakho lokugqibela lingaziwa). Ukuba ibhanki yakho ibambe isicatshulwa sakho osifakile, cela ukuba kunokwenzeka ukuba ususe i-hold-mhlawumbi imali ivela kwibhanki ehlawulayo, kwaye akukho mngcipheko kwibhanki. Ibhanki yakho ingaba ikulungele ukukhawulezisa izinto, ingakumbi ukuba ungenayo imbali yokubheka ukuhlola okanye ukwenza idiphozi ezimbi.
Lindela
Kwezinye iimeko, awuyi kukwazi ukwenza nantoni na ngokubamba. Kwakhona, ibhanki yakho imele ilandele imimiselo yomgaqo-nkqubo kwaye ibonelele nayiphi na into egcina kwi-akhawunti yakho, ngoko ayikwazi ukukugcina kwimali yakho ngonaphakade. Ukuba izinto ziqhubeka ixesha elide, qhagamshelana ne-US Consumer Financial Protection Bureau (CFPB) kwaye ufake isikhalazo.
Ukuthintela Ukubamba
Ukuze ugweme ukugcinwa kwi-akhawunti yakho, yenza iipositi ezinokuthi zifumaneke ngokukhawuleza.
Ngomvuzo wakho, bhalisela idiphozithi ngqo . Ukudluliselwa koombane (ngokukodwa ezo zinto zenzeka rhoqo, njenge-deposit deposit) zithatha ukucima ngokukhawuleza. Unokuba unokufikelela kwimali yakho ngosuku okanye ezimbini ngaphambi kokuba ufumane i-paycheck yakho.
Ukufumana idizithi ezinkulu , cela uhlobo lokuhlawula olukhawulezayo:
- Ukutshintshwa kwefowuni kufumaneka kwixesha elilodwa.
- Iingxelo ze-Cashier, ii-oda ze-USPS (kodwa kungekho enye i-oda yeemali), kwaye ukuhlolwa okuqinisekisiwe kunokwenzela i-$ 5,000 ngosuku olunye lweentsuku.
Idipozithi kwi-akhawunti eyahlukileyo ukuba wenza idiphozithi enokubangela iingxaki. Umzekelo, ukuba unayo iikopi ezininzi kwaye ufuna ukufaka i-check-out-state okanye yangaphandle, khangela idizithi kwi-akhawunti ongayithembeli kuyo yonke imihla.
Xa usebenzisa ikhadi lakho lokubambisa, cela ukuba ibanjwa liza kufakwa kwi-akhawunti yakho, kwaye ufumane ukuba luba lukhulu kangakanani. Ukuba inani likhulu ngokwaneleyo ukuze kubangele iingxaki, sebenzisa ikhadi lesikweletu endaweni okanye utshintshe imali eyongezelelweyo kwi-akhawunti yakho yokukhangela ukumbamba. Qaphela ngokutshiza ikhadi lakho lokubambisa kwiipompo zegesi, iihotele kunye neendawo zokutyela, apho ezi "zi-aut-auth" zihlala ziqhelekileyo.
I-Akhawunti Yonke Inokutsha?
Kwezinye iimeko, iibhanki zifake i-akhawunti yakho yonke-nokuba yimali eyayisele ikhona kwi-akhawunti yakho ngaphambi kokuba wenze idiphozithi enkulu. Ngamanye amaxesha iprogram yekhompyutheni igqiba (ngesizathu esingaze sichazwe kuwe) ukuba kukho umngcipheko kunye neemali ezifunekayo ukuba zichithwe okwethutyana. Kwakhona, umnxeba unokukwazi ukukhulula ubuncinane eminye yemali.
Imali onokuyichitha kwi-akhawunti yakho idla ngokuba yi- balance balance . Imali engenakufumaneka ingabhalwa phantsi kwe-balance balance.
Iyiphi indlela engcono yokuphepha le ngxaki? Thetha nombhanki ngenkathi uvula i-akhawunti kwaye wenza idipozithi ezinkulu. Batshele ngqo indlela oceba ukuyisebenzisa ngayo i-akhawunti: kaninzi kangakanani uza kufaka kwaye uhoxise, ubungakanani obuqhelekileyo bokuthengiselana, kunye nemvelaphi yemali. Ibhanki elungileyo liya kuqonda iimpawu zeakhawunti ezokukwenza ube ngumthengi onoyolo.
Ngexesha elide, ibhanki yakho (kunye neenkqubo zayo zekhompyutheni) kufuneka zijwayele ukuba usebenzisa i-akhawunti yakho. Ukuba uhlala uhamba okanye wenze idipozithi kunye nokuhoxiswa, ibhanki ekugqibeleni iya kuqonda ukuba awukwenzi nto nongalunganga kwaye unciphise i-akhawunti yakho. Amabhanki asebenzisa amanqaku anobungozi obunzima kunye nemodeli yekhompyutheni ukukhusela ubuqhetseba, kwaye uya kufuneka uqeqeshe ibhanki malunga noko ukulindele kuma-akhawunti akho.
Uxanduva lweMali
Emva kokukhishwa, ukhululekile ukusebenzisa imali: uhoxise imali okanye uyisebenzise usebenzisa ikhadi lakho lokubambisa, i-checkbook, okanye inkokhelo yoxanduva oluxhomekeke kwi-akhawunti yakho yokujonga . Nangona kunjalo, usenomthwalo wemali-i-bhanki ayenzi isiqinisekiso sokuba isheke okanye umyalelo weemali owawufumene ulungile. Ngamanye amagama, ikhusela ibhanki, kwaye uchitha kwingozi yakho.
Ngamanye amaxesha kuthatha iiveki eziliqela ukufumanisa ukuba isheke liza kubetha . Ukuba uchithe imali kwidiphozithi, uya kuba ne-akhawunti engafanelekanga, kwaye uya kufuneka ubeke endaweni leyo mali. Ngamanye amaxesha kunzima ukwenza, ngokukodwa ukuba uthumele imali kumntu ongaziyo (njengoko kwenzeka kwi- checkic cakeser checks scam ).
Ukuba unokungabaza malunga nediphozithi, qhubeka uqaphele. Zama ukuqinisekisa imali ngebhanki yombhalisi ( okanye nge-issuer-order ) ngaphambi kokuba wenze idiphozithi-oku kunokukunceda ukuba ugweme iifizi zokubeka isheke elibi ebhankini yakho. Linda ubuncinane iiveki ngaphambi kokuba uchithe imali (ingakumbi ukuba kukho nawuphi na umntu ekucela ukuba uthumele imali kwenye indawo , into ecacileyo yenkcazo).