Njengalo mbhalo, uMfuduki wayehlawula i-API ye-0.5%. Ukuthelekisa, i-CapitalOne 360 yayihlawula i-0.75% ye-APY, kwaye abanye babetyala ngokuphindwe kabini ukuya kathathu njengoMmijimi.
IiRhafu zingatshintsha naliphi na ixesha, ngoko kulunge ukuqinisekiswa kweerhafu zangoku kwiwebhusayithi ye-Emigrant Direct website.
Sibanzi
Inqabileyo enkulu kuMfuduki yi-Akhawunti ye-Award-Interesting Account. Ukuba okwangoku ugcina imali yakho kwi- brick-and-mortar bank , kukho ithuba elihle lokufumana ngaphezulu kwi-intanethi .
I-Free-Fee: I- Emigrant Direct ayihlawulisi imali yenyanga yenkonzo yabanikazi be-akhawunti, ngoko ukugcina imali yakho akuyi kuhamba ngokukhawuleza xa ushiya i-akhawunti yodwa emva kwexesha.
Akukho ubuncinci: Njengamabhanki amaninzi kwi-intanethi, i-akhawunti yokulondoloza ayinayo nayiphi na imfuno ebhalansi okanye ubuncinci bendawo yokuvula idiphozi.
I-intanethi kuphela: I- Emigrant Direct ibhanki eline-intanethi kuphela. Awukwazi ukutyelela isebe, kodwa unokwenza konke okufunayo kwiwebhsayithi, kunye nabameli beenkonzo zamakhasimende abanokufumaneka ngefowuni. Unokuthumela i-imeyile kwi-deposit yakho yokuqala, kodwa emva koko, kufuneka ubeke imali ngekhompyutha.
Njengama-akhawunti amaninzi kwi-intanethi, le akhawunti ingcono kakhulu yokwakha ukonga ongazihlose ukusebenzisa kusekusondele. Ungakwazi ukuvalela imali yakho kumaCD ngokufumana umdla othile. Nangona kulula ukudlulisela imali emva kwekhawunti yakho yokutshekisha, inqubo ithatha iintsuku ezimbalwa.
Ukufikelela okulula?
Ukuchitha imali yakho: Ukuba ufuna ukufikelela kwimali ngekhadi lokukhangela (okanye i-akhawunti yokujonga i-intanethi ngeziko elifanayo), uMlawuli oPhezulu angayi kuba yinto efanelekileyo kakhulu kuwe. Khangela abanye njengo CapitalOne 360 okanye i- Ally Bank ngeempawu ezongezelelweyo.
Iifowuni zefowuni: Ukuze uzuze iintliziyo zabathengi be-tech-savvy, u-Emigrant Direct kufuneka anqobe isithintelo esibalulekileyo: abathengi abafudukayo abakwazi ukufaka iifowuni ngefowuni yeselula . Le mihla, iibhanki ezinkulu kwi-intanethi-kunye nakumaziko ezitena-kunye nezidaka-zinika le nkonzo.
Ibhanki
Ummi oPhezulu oLungileyo ulwahlulo lwe-Intanethi ye-Abigrant Bank, esekelwe eNew York. Ibhanki yaseMigrant iphinde isebenzise amabhanki e-intanethi phantsi kwegama elithi MySavingsDirect.com kunye neDollarSavingsDirect.com. Ezio website zifana kakhulu ne-EmigrantDirect.com, nangona iimpawu zemibala kunye nelogos zihlukile, kwaye iirhafu zemali ziyahluka ukusuka kwibhanki ukuya kwi-bhanki. Ukuba uthanda uMfudri, qiniseka ukuthelekisa ukunikezelwa kunye neemfuno kunye nabanye abahlukeneyo. Kwixesha elidlulileyo, uMfuduki uye wanikela amaxabiso angcono kwiibhanki zayo ezitsha ze-intanethi, ukuvumela ukuba amazinga awele kuma-akhawunti akhulileyo.
Ummi-mvume ngu- FDIC okhuselwe ngolu hlobo lokubhaliweyo, ngoko imali yakho ikhuselekile kwizinto ezingaphumeleli kwiibhanki , kodwa iifomethi kwiibhanki ezikhankanywe ngasentla zihlanganisiwe xa zibala i-FDIC.
Ngamanye amagama, kufuneka ugcine iifom edibeneyo kuzo zonke iibhanki ezifudukayo kunye namaqela angaphantsi komda we-FDIC. Njengalo mbhalo, i-FDIC ifikelela kuma-250,000 kwi-depositist nganye kwisiko.
Ingaba isebenza kanjani
KwiMmigrant ngqo, wenza konke kwi-intanethi, ngokuqala ngokuvula iakhawunti yakho . Ukuqala inkqubo, tyelela uEmigrantDirect.com. Uya kufuneka unikele ngolwazi lomntu kunye neenkcukacha malunga ne-akhawunti yakho yokukhangela kwi-brick-and-mortar bank.
Yiba nolwazi olulandelayo lusetyenziswa phambi kokuba uqale:
- Iinkcukacha zoqhagamshelwano, kuquka igama elipheleleyo kunye nedilesi yokuposa
- Inombolo yoKhuseleko loLuntu, Inombolo yesazisi yentela, okanye efanayo
- Ulwazi malunga neakhawunti yakho yezitena kunye ne-mortar, eya kudibaniswa noMmijimi (i- akhawunti yakho kunye neenombolo zokuhamba , kwakunye negama lebhanki)
Ungenza idizithi yakho yokuqala ngetshekhi, kodwa uMlawuli oyiNtloko akayi kwamkela idizithi ezongeziweyo ngetshekhi.
Udinga ukudibanisa i-akhawunti yakho yokutshekisha kwi-Akhawunti ye -American Dream Savings ukuhambisa imali. Ukwenza isiqhagamshelo sokuqala, ubukele i-akhawunti yakho yokukhangela iifom e zimbini "zokuvavanya" kwaye uqinisekise ezo ntsebenzo kunye noMphathi oPhezulu. Unokudibanisa i-akhawunti yokujonga enye eyongezelelweyo, kodwa inkqubo inzima-uzodinga ukuthumela i-check in a checked void kunye nefomu (ininzi ibhanki ikuvumela ukuba ungeze ii-akhawunti ezongezelelweyo kwi-intanethi ).
Inkonzo eyenzelwe
Ngokusekelwe kwiingxelo kunye neengxelo ezivela kwimithombo eyahlukeneyo, kubonakala ukuba abanikazi beakhawunti banelisekile kakhulu ngeenkonzo zabathengi be-Emigrant Direct. Ukuba kukho ingxaki, uncedo oluvela kumntu wangempela lukhoyo, kwaye iiyure zokusebenza kufuneka zilungele ngokumalunga neshedyuli yomntu.
Into ongenakuyithanda
Ngelixa i-Akhawuntri ngqo i-akhawunti yokulondoloza kakuhle, ibhanki ayibonakali ezinikezele ekuphuhliseni imveliso yayo nokuzisa abathengi abatsha. Inzala yenzalo iphantsi rhoqo kunezinye iibhanki ze-intanethi zokhuphiswano. Kodwa i-MySavingsDirect.com inomlinganiselo olungcono kunokuba nguMmijimi, okwenza uzibuze ukuba ixesha elide abathengi abazenzekelayo bazive njani ngebhanki entsha.
I-website yomntu oyigqirha ye-Immigrant website ibonakala i-clunky encinci, kwaye ibonisa imimiselo yokutyalomali okukhawulezayo kwikhasi lasekhaya (izitye ezixabisekileyo kunye nokuvalwa kwangaphambili kwebhanki). Khumbula ukuba xa usebenzisa nantoni na ngaphandle kweemveliso zebhanki ze-FDIC, unokulahlekelwa yimali.
Ekugqibeleni, uMmizi-mpahla oPhezulu akayi kunika i-deposit yesitokisi esikude. Oku kunokuba ngumgudu wokulawula umngcipheko, kwaye akunjalo kunzima ukuyibeka kwi-akhawunti yakho yezitena kunye ne-mortar kuqala, kodwa kubonakala ngathi abathengi kufuneka bavuzwe ngezinga elincinane ( APY ) ngokubuyisela umngcipheko omncinci kwicala lebhanki.
Ukuba unayo ibhalansi enkulu kwaye ukwandisa umvuzo wakho ngowona nto iphambili, uMfuduki oPhezulu mhlawumbi akayiyo ibhanki kuwe. Kodwa ukuba sele unayo imali kunye noMmmikazi kwaye unelisekile ngemali yakho yokufumana, akukho nto ingabakho ukuphuthuma ukutshintsha.