Ukukhangela kwamahhala ngamanye amaxesha iFree
Kuphi ukufumana iHreek yokuHlola
Kukho iindlela ezimbini zokukhululeka ukujonga ezi ntsuku:
- Fumana ibhanki okanye inyunyana yekhredithi enika iakhawunti ekhululekile
- Imilinganiselo yokuhlawula imali
Ewe, # 1 ithatha umlinganiselo wenzame - emva kokuvula i-akhawunti.
Kodwa ukufumana iakhawunti zamahhala kunokuba ngumngeni. Uhlala phi ithuba elihle lokufumana i-akhawunti yamahhala? Iibhanki ze-intanethi, amabhanki amancinci, kunye neemanyano zemali-mboleko yindlela yokubheja yakho.
Gcina ukhumbule ukuba "inkululeko" ibhekisela kwiinkonzo eziqhelekileyo. Ukuba wenza izinto ezithile (cela ukutshintshwa kwefowuni , ukukhangela i-check bounce , njalo njalo) uya kufuneka uhlawule iimali.
Iibhanki ze-intanethi zincinci kakhulu kwiintlobo ze-akhawunti ezininzi - kungekhona nje ukukhangela kwamahhala. Bakhokhela inzala ephezulu kwi-akhawunti yokulondoloza, bayigcina imali ephantsi, kwaye banokuhlawula inzala kwimali kwi-akhawunti yakho yokukhangela . Iingxelo ezimbalwa ze-intanethi ezikhangela kwi-akhawunti ziquka:
- I-akhawunti yokujonga i -Intanethi kwi-One One 360 ( funda uhlaziyo )
- Intshukumo yokuThengisa iAkhawunti evela kwi-Ally Bank ( funda uhlaziyo )
Ezi zombini iingxelo zilapha zihlawule umrhumo kwiimali zakho.
Iibhanki ezincinci nazo zikhuphisana. Ezi ziko ngamaziko asekuhlaleni anikezela ngemali ephantsi ukwenzela ukuphumeza ishishini lendawo.
Ukongezelela, baye bahlela amashishini abo ngokwahlukileyo kwiibhanki ezinkulu - bangenakho abathengi be-gazillion ukuba bancede basebenze ngezinga elikhulu, kodwa baye banqanda ukwakha imodeli encike kwiminye imithombo yemali eyomile kwiibhanki ezinkulu . Ukufumana ibhanki yasekuhlaleni, khangela kwiindawo kwaye uhlolisise iimpapasho zengingqi.
Amabhanki atyhola ngokubanzi ukukhangisa.
Imanyano yemboleko iyimibutho yabanikazi abanomdla ababa nesimo esifanayo kunye neebhanki ezincinci. Ngenxa yokuba bonke abanikazi beakhawunti "banayo" izabelo ebhankini (ngokuchaseneyo nenkampani efuna ukwandisa inzuzo), kukho ithuba elihle lokuba unokufumana ukukhangela kwamahhala. Ukongezelela, imibutho yeentengo zemboleko yimibutho ekhutshwa yerhafu, ngoko ke banomsebenzi omncinane wokusebenza nabo. Umngeni omncinci kuphela wokusebenza kunye nomanyano wekhredithi kukuba kufuneka ulungele ukujoyina enye; oko kudla kulula (ungakufanelekela ngokusekelwe apho uhlala khona, apho usebenza khona, okanye omnye umpawu). Funda kabanzi malunga neemanyano zekhredithi .
Ukukhethwa kweentlawulo ngenye indlela. Ukuba awukwazi ukufumana ibhanki ye-intanethi, ibhanki encinci , okanye umanyano wekhredithi odibana neemfuno zakho, unokuthi ulungele ibhanki enkulu . Uninzi lweebhanki zilahla iindleko zenyanga zonke (ukwenza i-akhawunti yehhala) ukuba uhlangabezana nemigangatho ethile. Unokukwazi ukufumana umvuzo wakho ngokuthe ngqo-kwi-akhawunti yakho. Ezinye izinto ezikhoyo ziyakuthi zifumaneke xa ugcina ibhalansi enkulu kwi-akhawunti yakho okanye usebenzisa ezinye iimveliso ezivela kwibhankini ( ukufumana imali okanye ukugcina ibhalansi enkulu kwi-akhawunti yokulondoloza ingakhohlisa).
Ukukhangela kweeFree Features
Ukuze uqiniseke ukuba ufumana ixabiso elihle kwi-akhawunti yokukhangela yamahhala , khangela ngeenxa yokubonelela ngehhala elandelayo:
- Ayikho Imali ejongene nokuhlawula
- I-ATM yamahhala kunye / okanye iKhadi lokuTyala
- Akukho ntlawulo kwi- ACH kunye neNtlawulo yeDisposithi ngqo
- Ukufikelela kwi-intanethi kwi-akhawunti yakho
- Ukubhalwa kwenyanga kwenyanga
- Akukho mali encinci yokujonga
Iimpawu zeBhonasi
Eyona nto ingcono kwi-free check, khangela ukuba unokufumana ukukhangela kwamahhala okubonelela kwakhona:
- Ubuncinane incwadi yokukhangela yamahhala (okanye ukuhlolwa kwamahhala ebomi)
- Ukuhlawula kwerhafu ye-intanethi
- Izicwangciso zokukhusela i-Overdraft (jonga iindleko, kwaye ukhethe ukuphuma xa kufuneka)
- Akukho ntlawulo yokusebenzisa iATM ngaphandle kwenethiwekhi ye-ATM
- Ukuhlawulwa kwemali e-ATM ehlawulwe ngenye i-ATM
UkuHlola okuKhuselweyo
Kubalulekile ukwazi ukuba awufumani xa usebenzisa i-akhawunti yokukhangela yamahhala. Ukukhululeka ukujonga ngokuqhelekileyo akuyikuhlawula inzala kwimali yakho (ngaphandle kwee-akhawunti ezimbalwa ze-intanethi). Oku akukodwa ukukhulula ukukhangela - ii-akhawunti ezininzi zokujonga aziyi kuhlawula.
Nangona kunjalo, unako ukudibanisa i-akhawunti yakho kwisithuthi esiphezulu esivumelekileyo njenge- akhawunti yebhanki ye - intanethi kwaye ufumane inzala kwimali ongayisebenzisiyo.
Kwakhona kunokwenzeka ukuba ufumane i-akhawunti ehlawulelwayo yamahhala ehlawula umdla. Ukuhlawula i-akhawunti ihlawula ngaphezu kwe-akhawunti eninzi yokulondoloza, kodwa umvuzo wakho uphelelwe kwaye kufuneka ugxume kwiindawo ezininzi.
Enye inkonzo onokuyiphuthelwa yikhono lokujonga iireki zakho emva kokuba zihlawulwe. Abanye abantu bathanda ukubona ikopi yetshekhi yangempela kunye nesayineli. Ukukhangela kwamahhala ngokuqhelekileyo akunakunikezela oku, nangona iincwadana ezimbalwa zokujonga iifayili zibeka imifanekiso kwi-intanethi. Ingcinga yam kukuba awuyidingi, ngakumbi kwiingxelo zakho. Kukho iindlela ezininzi zokulandelela iintlawulo - kwaye unako ukuhlaziya ikopi kwi-akhawunti yokukhangela yamahhala ukuba kukho itekethi ethile ofuna ukuyilandela.
Ekugqibeleni, unika i-perks njenge-Payment Payments yamahhala kunye ne-Check Cakeled Return Return xa usebenzisa i-free check. Ngenxa yokuba ndiyisebenzisa ngokungaqhelekanga ezi nkonzo, andicinga ukuba ulahlekile kakhulu. Nangona kunjalo, ukuba imeko yakho iyahluke ungathanda ukuthenga.
Ukuba ugcina ibhalansi encinci kwi-akhawunti yakho yokujonga, i-akhawunti yokukhangela yamahhala iya kuba yindleko encinane kune-akhawunti kunye neenkonzo ze-premium. Ukuba ukhe ufune ukusebenzisa ezo nkonzo, hlawula kuphela umrhumo omncinci kwi-akhawunti yokukhangela yamahhala.
Kuthekani ukuba ufuna ukusebenzisa i-akhawunti yakho ngenjongo yezoshishino? Kukulungele ukuvula i-akhawunti egameni lakho shishini, kodwa ii-akhawunti ezikhululekile zinzima ukuzifumana. Kwakhona, amaziko amancinci yindawo enhle yokujonga, kwaye unokuhlaziya iphepha lethu kwi- ishishini lokukhulula ukujonga ezinye iingcebiso.
Isizathu sokuba iibhanki zinikele ngeeNtlawulo zamahhala
Amabhanki anikezela ngokukhululekileyo njengendlela yokugubha ishishini elitsha. Ukuba uya kwisebe kwaye ucele ukuvula i-akhawunti yokukhangela yamahhala, baya kuvuya ukukunceda. Nangona kunjalo, baya kuzama ukubamba ezinye ii-asethi kunye nezoshishino ezivela kuwe.
Ukukhangela ii-akhawunti zikhululekile zifumana abathengi emnyango. Ngoko ke, akumele umangaliswe xa ufumana ukuthengiswa komhlobo onobuhlobo xa uvula i-akhawunti yakho yokukhangela yamahhala.