Ngaba i-akhawunti yeGoGoBank ikuyo? Ingaba yinto efanelekileyo ye-tech-savvy, abathengi abanomvuzo, ngokukodwa xa unenxaki yokuvula i-akhawunti yebhanki kwixesha elidlulileyo.
Qaphela amaxesha amaninzi kwi-check deposits, usethe idipozithi ngqo ukuze ugweme iimali, kwaye uqinisekise ukuba uvule i-akhawunti yokulondoloza kwenye indawo, ehlawula inzala.
Ngaphambi kokuba uvule i-akhawunti entsha yebhanki, thengeza uze udibanise neminikelo evela kwiibhanki ze-intanethi, amabhanki asekuhlaleni kunye nemibutho yamatyala, kunye neebhanki zemveli Ukuba awunayo nayiphi na imbali yokubethekisa iireki kwaye uza kuseka idiphozithi ngqo, unokufumana ukhuphiswano ngokubanzi naphi na. I-akhawunti yeGoBank inokuba yinto ekhangayo kakhulu xa uxabisa indawo yokuthengisa ivenkile.
Ubume bemivuzo kunye neMali
I-GoBank i-akhawunti yokujonga iindleko eziphantsi. Akukho zilinganiso ezincinci kwaye akukho ntlawulo ye-overdraft. I-akhawunti ayinikezeli ukukhuselwa kwe-overdraft , ngoko qaphela ukuba ukuthenga kwakho kufuneka kunqatshelwe ukuba usebenzisa ikhadi lakho lokubambisa ukuze uzame ukuchitha ngaphezu kokuba ufumanekile kwi-akhawunti yakho.
Ukuvula i-akhawunti, ungabhalisa kwi-Intanethi kwi-GoBank.com okanye nge-GoBank kwi-app.
Ngaphandle koko, unokufumana "ikiti yokuqala" ye $ 2.95 kwiivenkile zeWalmart, nto leyo idinga idiphozi yokuvula i-$ 20. I-akhawunti ihamba nomrhumo wenyanga wama-8.95, kodwa loo ntlawulo iyaxoshwa xa ubeka idipozithi ngqo kwi-500 500 ngenyanga. Ezinye iibhanki zendabuko zifuna i-deposit yenyanga ngokubanzi, ngelixa ezinye zidinga ngaphantsi.
I-GoBank inikeza ii-ATM ezingama-42,000 zamahhala, kodwa uya kuhlawula i-$ 2.50 yokusebenzisa i-ATM ngaphandle kwe-network, kunye nayo nayiphi na intlawulo ehlawulwe ngumsebenzisi we-ATM.
Ukuvula iAkhawunti
Ukuvula i-akhawunti ngeGoBank, fumana "isitifiketi" sakho kwisitolo seWalmart, tyelela iGoBank.com okanye sebenzisa i-GoBank app yeselula ukugqiba isicelo. Uya kufuneka unikezele ngolwazi lwakho olufana neNombolo yoKhuseleko lweNtlalo, umhla wokuzalwa, kunye nokunye. Ibhanki iyadingeka ukuba ifune le ngcaciso phantsi komthetho wesigqeba.
Okwangoku, i-akhawunti yeGoBank ifumaneka kubantu ngabanye. Awukwazi ukusebenzisa i-GoBank ekujongeni ishishini , kwaye awukwazi ukuvula i-akhawunti edibeneyo. Oku kuthetha ukuba iingxelo azifumaneki kubantwana nangona ezinye iibhanki zinika i-akhawunti yezihlwele ezingaphantsi kwe-18 .
I-GoBank iya kuthumela i-debit card malunga neveki ezimbini emva kokuba uzalise isicelo sakho. Uya kufuneka usebenze ikhadi kwaye uqinisekise ulwazi lwakho loqhagamshelwano. Ukuze usebenze ikhadi lakho, ezinye iimpawu zeGoGo ziza kufumaneka, njengeentlawulo ze-P2P kunye nesitokethi yesitokethi yeselula.
I-GoBank ithi i-akhawunti iyatholakala kumntu omhle kakhulu onokuqinisekisa ubungqina bakhe. Lezo ziindaba ezilungileyo kubantu abaye baphambukiswa kwezinye iibhanki ngenxa yekhredithi engalunganga okanye ulwazi olubi kwiifayile ze-ChexSystems .
Ukukhusela iifosti zakho
I-GoBank yinto yokuqala ye-Walmart yebhanki eqinisekisiwe ngokupheleleyo ye- FDIC . Ngethuba nje uhlala ngaphantsi kwe-FDIC ubuncinci, i-akhawunti yakho ikhuselwe ukuba i-GoBank iya kwi-belly-up. Okwangoku, akunakwenzeka ukuwela umda we-FDIC; I-GoBank inomlinganiselo wokubaluleka kwe-akhawunti we-$ 50,000.
Ukongeza imali
Unokuxhasa i-akhawunti yakho yeGoBank ngeendlela ezininzi. Unokongeza kwi-$ 2,500 ngosuku olunye, okanye u-3,000 kwii-30 zeentsuku.
Idiphozithi ngqo: Ukuba usebenzisa le akhawunti, yinto efanelekileyo ukuseka idiphozithi ngqo nomqeshi wakho. Idipozithi ngqo ye $ 500 ngenyanga kuthetha ukuba awuyi kuhlawula intlawulo yenyanga yenyanga eyi-8.95. Kwezinye iimeko, i-GoBank ikuvumela ukuba ufumane imali kwi-yakho-deposit paycheck iintsuku ezimbalwa ngaphambi kokuba umqeshi wakho atshintshe idizithi.
Idiphozithi yefowuni: Ungasebenzisa kwakhona idivayisi yakho yeselula ukufaka iifowuni.
Silandela nje imiyalelo kwi-GoBank usetyenziso lwekhamera yefowuni ukuze ulandele isicatshulwa. Qaphela ukuba i-GoBank ibeka ixesha elide lokubamba kwiifomethi ezithile (iintsuku ezili-10 zokuhlola), ngoko qaphela ukuba kufuneka uchithe loo mali ngokukhawuleza. Kukho eminye imida kwi-GoBank ifowuni yefowuni yesitokethi, umzekelo, akukho tshekisho oluhlawulwa kwiCash . Ukuba iifowuni zefowuni zintsha kuwe, funda ngokubanzi malunga nokufaka iifowuni kunye nefowuni yakho yeselula .
Yongeza imali kwiivenkile: ukuba ungumgcini we-Walmart rhoqo, unokuyonwabela ukuba ungayifaka imali kwi-Walmarts kunye neendawo ezithile ezise-7-Eleven ne-Kmart. Mane unike ikhadi lakho lokungena kwiGoBank kwi-cashashi, kwaye imali iya kudibaniswa kwiakhawunti yakho. Ukongeza imali kwiWalmart ikhululekile, kodwa uya kuhlawula imali ukuya kwi $ 4.95 ukufaka imali kwiakhawunti yakho xa uhamba nge Kmart okanye 7-Eleven.
Ukudluliselwa kwikhompyutheni: ungaphinde uthumele imali kwi-akhawunti yakho yeGoogle ukusuka kwamanye ama-akhawunti asebhanki. Nangona kunjalo, i-GoBank ayinikezeli ngotshintsho lwe-elektroniki, ngoko kuya kufuneka uqalise ukudluliselwa kwibhanki yokuthumela . Iimali zithunyelwa nge- ACH .
Ukusebenzisa imali yakho
Uchitha njani imali kwi-akhawunti yakho yeGoogle? Kwakhona, unokhetho oluninzi.
Ikhadi lokudibanisa: ukuthenga izinto kumthengisi okanye kwi-intanethi, ungasebenzisa iKhadi lakho le-GoBank MasterCard. Xa uthengela ikethi yakho yokuqala, uya kufumana ikhadi elifutshane, emva kokugqiba isicelo sakho, uya kufumana ikhadi elikwi-debit lomntu okwenziwa ngumntu kwi-imeyile.
Fumana imali: I- GoBank ikhupha i-ATM yokukhulula kwi-ATM ezingaphezu kwama-42,000 kwilizwe lonke. Ezinye zee-ATM zihlala ngaphakathi kweWalmart kunye ne-7-Eleven stores. Kodwa uya kufumana ii-ATM nakwezinye iindawo kubandakanya amasebe asebhanki. Ukutyelela iwebhusayithi yeGoGoBank kwimephu ebonisa ii-ATM zamahhala.
Ukuhlawulwa kwebhilikhi ye- intanethi : I- GoBank inika intlawulo ye- intlawulo ye- intanethi ngaphandle kwerhafu eyongezelelweyo Unako ukumisela iintlawulo kunye neGoBank uprinte uze uthumele isheke, kwaye ezinye iintlawulo zihlawulwa ngekhompyutha. Nabani na e-US unokuba ngumvuzo, kuquka nabantu.
Iintlawulo zeP2P: unakho ukuhlawula abantu ngokusebenzisa i-GoBank yomntu- nkqubo wokuhlawula umntu . Faka idilesi ye-imeyile okanye inombolo yomnxeba, kwaye umvuzo wakho uya kufumana umyalezo obabuza ukuba baqokelele intlawulo. Ukuba uhlawula omnye umthengi weGoGoB, imali ihamba ngokukhawuleza kwiakhawunti yayo. Abantu abangenayo i-akhawunti ye-GoBank banakho imali yokuthunyelwa kwiakhawunti yabo ye-PayPal.
Amanqaku okugqibela
I-GoBank iyiminikelo yeebhanki ephathekayo enika into eninzi into oyifunayo kwi-akhawunti yokujonga. Nangona kunjalo, akukho khetho yokugcina imali kwi-GoBank, nangona i-akhawunti inomxholo othi "Imali ye-Vault" ehlukanisa imali ukuba ufuna ukubeka eceleni imali ethile.
Olu khetho aluhlawuli umdla. Xa amaxabiso enzala aphantsi, okanye ukulinganisela kwakho okulondolozayo akukho nto, oko kungenakubaluleke kakhulu, nangona kukulungele ukuvula nokuxhasa i- akhawunti yokulondoloza inika umdla kwinqanaba elithile.
Ngoxa i-GoBank yenza kube lula ukuvula i-akhawunti ukuba unemiba ebhanki kwixesha elidlulileyo, i-tradeoff ingaba ixesha elide elinokubheka ekuhloliseni kunye kunye nokuhlolwa kweentengiso. Ukuba uhlawula i-akhawunti yakho nge-deposit ngqo kwaye unqabile ukufaka iireki zomntu siqu, oko kungenakucingela, kodwa ibali elihlukile ukuba uthembele kwiimali ekuhloliseni.