Kuthetha ntoni "iDeposit", ngokukodwa kwi-World World?
- Njengesibizo (okanye into)
- Njengesenzi (okanye isenzo)
Ukwenza iDistim: Inkcazo Xa iBhanki
Xa amabhanki kunye neemanyano zeentengo zemboleko zibhekisela kwiiphozithi, zivele zithetha ngemali yakho ebanjelwe. Njengesibizo, idiphozithi yinto eye yafakwa kwindawo ethile. Le nto ingaba yimali oyifaka kwi-akhawunti yakho yasebhanki okanye ubuncwane kwibhokisi yokubeka ikhuphiswano ebhankini.
"Idiphozithi" yimbangela yesenzo esithile apho umntu (okanye into) ethatha ukwenza idiphozithi. Ezinye izibonelo zemali eziqhelekileyo zingezantsi.
- Ukufakwa kweengxowa-mali (okanye imali ebhankini): Ndafaka i-$ 100 kwi-akhawunti yam yokujonga.
- Iifom kwi-akhawunti yebhanki ye-FDIC-eqinisekisiwe: Urhulumente wase-US uqinisekisa iipasipoti zakho xa ibhanki yakho ihluleka. Kwiimanyano zetyala, iifomiti zikhokhelwe i-NCUSIF , ekhuselekileyo njenge-inshurensi ye-FDIC.
- Idiphozi yokukhuseleko: Ndimele ndihlawule irente yenyanga yokuqala, kwaye ndenze i-deposit deposit ye-$ 500 kwindlu yam. Ukuba ndiyonakalisa ipropati okanye ndinyamalale ngaphandle kokuhlawula irenti, umninimzi uya kugcina idiphozithi yam.
Xa isetyenziswe njengesenzi, idizithi ye-deposit ingabhekisela kwisenzo sokubeka into ethile kwindawo ethile. Kwilizwe lebhanki, oku kwenzeka xa ungeze imali kwiakhawunti yakho. Kwakhona, inokusetyenziswa nakweyiphi na imeko apho umntu okanye into ethile ishiya into emva kwayo.
- Ukongeza imali: Ndifumene i-$ 100. Ndiya kufaka i-akhawunti yokukhawuleza ukuze ndikwazi ukwakha i- fund yami yengoxakeka
- Ukuyeka into: Ndiya kufaka isivumelwano sokuqeshisa kwideskiti yomphathi wepropati.
Kulo mzekelo wokuqala, ubeka imali kwiakhawunti yakho. Nangona kunjalo, kukho ezinye iindlela ezininzi zokungeza kwi-akhawunti yakho-kwaye siza kuxubusha ezo ntlobo ezahlukeneyo zediphozithi ngezantsi.
Indlela yokwenza iDepositi
Unokufaka imali kwiakhawunti yakho ngeendlela ezininzi.
Ngomntu: Unokungena kwisebe lebhanki kwaye unike ngesandla ngemali okanye uhlolisise umtshizi, oza kuthenga imali kwiakhawunti yakho. Xa ufuna ukulungelelaniswa, unokwenza njalo kwi -ATM ezithile . Ngokuqhelekileyo, kufuneka usebenzise isebe okanye i-ATM eyenziwa yibhankini yakho, kodwa amalungu angama-credit union angasetyenziselwa enye imibutho yamatyala ekwenzeni iipositi-ukuba zombini izinyunyana zemboleko zithatha inxaxheba kwi- branching ehlangene .
Ngeposi: Ukuba unikwe iphepha lokuhlola okanye iilawutyala zemali ezihlawulwa kuwe, ungathumela abo ngeposi. Buza ibhanki yakho leyo idilesi ekufuneka uyisebenzise kwinkonzo yokukhawuleza, kwaye ufumane malunga nayiphi na imfuno.
Xa ufaka iphepha lemali okanye uhlolisiso, ngokubanzi uza kufuneka ugcwalise isithuba sediphozithi . Lephepha lephepha lixelela ibhanki apho ukubeka imali kunye nokwenza irekhodi lomthengi. Kuya kufuneka kwakhona ukuba uvumeleke ukuhlola nayiphi na isheke ngokusayina umva kwaye ungeze nayiphi na enye inkcazelo efunekayo. Ukuba usebenzisa i- ATM, akukho zidiphozithi okanye ama-envelopes ayadingeka xa i-ATM ixhotywe ngeteknoloji yokutyikitya esithatha umfanekiso wesheke. Landela imiyalelo ye-ATM ngokucophelele-ezinye ii-ATM zisasebenzisa iifomthi zepositi.
Iifowuni zekhompyutheni nazo zikhethwa.
- Ukuba umqeshi wakho ukuhlawula nge-deposit ngqo , ezo mali ziya ngqo kwi-akhawunti yakho yasebhanki ngaphandle kokuba uthathe nantoni na. Kwezinye iimeko, imali iyafumaneka ukuze ichithe ngaphambi kokuba iifowuni zemveli zihlawulwe ngeposi.
- Ungadlulisela imali kwi-akhawunti enye yebhanki ukuya kwelinye , wenze idiphozithi kwi-akhawunti yokufumana. Ukwenza oku kusindisa umsebenzi wokuthatha ukurhoxiswa kwiakhawunti enye (okanye ukubhala isheke) nje ukufaka enye. Ukuba ibhanki yakho isebenzisa iZelle ukutshintshwa kwemali , ezo ntlawulo zingase zifumaneke ngakumbi okanye ngaphantsi kwangoko.
- Ukuba unesiselula esinekhamera, unokufaka iifowuni usebenzisa i-app uze uthumele umfanekiso wesheke kwibhanki yakho.
Qaphela ukuba ufanele ulinde ukusebenzisa imali yakho emva kokuba wenze idiphozithi. Ngokuxhomekeka kwindlela oyongeza ngayo imali kwi-akhawunti yakho, ibhanki yakho inokumisela ixesha lokulinda ukuqinisekisa ukuba akukho ziingxaki kwidiphozithi. Ukulinda kuthatha ixesha elide kukuhlola , kodwa ukuhlolwa kwekarhulumente-kukhutshwe kunye nocingo oludluliselwa kwi-akhawunti yakho lufumaneka ngokukhawuleza.
Ukufumana ukuba uza kudala ixesha elingakanani, cela ummeli okanye ummeli wenkonzo yamakhasimende malunga ne-bhanki yakho yemigaqo-nkqubo yokufumaneka kwemali . Kwezinye iimeko, eli xesha lokulinda lingakukhusela-ukuba uchitha imali ehluleka ukufika, kufuneka uhlawule ibhankini, kwaye unokwenza uhlolisiso kwaye ufumane imali yokuhlawulwa okwangoku.