Kukho iindlela ezininzi zokuhambisa imali ngekhompyutha . Ezi zikhetho zezona zikhethwa kakhulu kwaye zichanekileyo ziquka ukutshintshwa kwe-ACH kunye nokutshintshela i-wire , kodwa ngezinye iinkqubo zidideka. Kukunceda ukuqonda iinkonzo kunye neengxaki zenketho ngayinye ukuze ukhethe okulungileyo ngexesha elilandelayo xa ufuna ukuthumela okanye ukufumana imali.
U tshintshelo lweDluliselo
Ukudluliselwa kwefowuni kudlulisela imali kwi-bhanki enye ukuya kwelinye imini yoshishino, kwaye imali ingakwazi ukufumaneka kwimihla efanayo.
Oku kuthethi, ngamanye amaxesha awuboni iifowuni okanye unokufikelela kwimali ngokukhawuleza xa ufumana ukutshintshela umnxeba. Nangona iikhomputha zenza umsebenzi omningi, le nkqubo ayiyiyo i-100 ekhulwini. Umqeshwa webhanki ngokuqhelekileyo ufuna ukuphonononga ukudluliselwa kwefowuni aze afumane imali kwiakhawunti yommkeli. Ukuba ixesha liyinto engundoqo, isicelo sefowuni sidlulisela into yokuqala ekuseni. Iintambo zamazwe ngamazwe zingathatha olunye usuku okanye ezimbini.
I-ACH idluliselwa rhoqo iqwalasela iintsuku ezimbini ukuya kwethathu ukugqiba. Amabhanki kunye neendawo zokucoca iinkqubo zokuhlawula i-ACH iintlawulo kwiibhetts-zonke zenziwa ndawonye kunokuba ziphathwe ngabanye, ziza kuqala zokuqala. Nangona kunjalo, inkqubo ye-ACH ihambela ekutshintshelweni kwemini enye, kwaye ezinye iintlawulo sele zilungele ukufumana unyango lwenyanga efanayo.
Ukwandisa, uza kubona iintlawulo zigqityiwe ngokukhawuleza njengoko imibutho ivumelanisa kwinkqubo entsha.
Ukuqinisekiswa kunye noKhuseleko
Ukutshintshwa kwefowuni kufana nesheke sekhompyutha:
- Xa ufumana imali , ibhanki iyayifumana imali njengoko ichithwe imali kwaye ivumela ummkeli ukuba achithe okanye ahoxise ngokukhawuleza ukuba intlawulo ihlawulwe kwingxelo yokugqibela.
- Xa uthumela imali , imali kufuneka ifumaneke kwi-akhawunti yomthumeli phambi kokuba inkokhelo ikhutshwe. Ibhanki iya kususa ngokukhawuleza imali kwi-akhawunti yomthumeli njengoko isicelo senziwe.
Ingozi ye-Scam iphakamileyo xa uthumela imali, kodwa iphantsi kakhulu xa ufumana imali.
- Ukuba ufumana ukutshintsheliswa kweengcingo zangempela , unokuqiniseka ukuba umthumeli ufumane imali kwaye ibhanki yabo yathumela imali. Ukudluliselwa kwefayili yindlela ekhuselekileyo yokuhlawula, kwaye ngokungafani nokuhlola i-cashier , abahlala bexakeka. Qinisekisa ukuba ufumana ukutshintshela kwangoku, ukuchasana nolunye uhlobo lokuhlawulwa kwekhompyutha.
- Ukuba uthumela imali ngetambo , kufuneka uqiniseke ngokuqinisekileyo ukuba uyazi ukuba uthumela bani imali. Utshintshelo lwentambo ngokubanzi alukwazi ukuguqulwa, kwaye ummkeli unako ukurhoxisa imali ngokukhawuleza.
Ukutshintshwa kwe-ACH kwakhona kukhuselekileyo, kodwa i-ACH idluliselwe kwi-akhawunti yakho ingasuswa. Oku kuyinyani kwiipazamo umqeshi wakho azenzayo (ukuba ahlawule ngengozi) kwakunye nokutshintshwa kobuqhetseba kwi-akhawunti yakho . Nangona kunjalo, kukho imigaqo malunga nokuba kwaye iibhanki zigunyazisa njani ukuguqulwa, ngoko ke ukutshintshela kuninzi kuya kuhlala ngaphandle kokuba kukho ubuqhetseba okanye impazamo.
Naluphi na uhlobo lokudluliselwa, unokufuna ukunika ulwazi malunga ne-akhawunti yakho yasebhanki, kubandakanye nenombolo yakho ye-akhawunti, inombolo ye- banking number , kunye negama. Lezo nkcukacha zingasetyenziselwa ukweba imali kwi-akhawunti yakho, ngoko ke unikele kuphela ngcaciso xa uthemba ummkeli.
Iindleko zokuthumela kunye nokufumana
Ukudluliselwa kwefayili: Kukho phantse umrhumo wokuthumela uthungelwano lwefowuni. Amabhanki angahlawulisa phakathi kwe-$ 10 ukuya kwi-35 yezigidi ukuthumela umnxeba ngaphakathi e-United States, kwaye ukudluliselwa kwamanye amazwe kubiza ngaphezulu. Ukufumana ukutshintshela umnxeba kukhululeka, kodwa ezinye iibhanki kunye neemanyano zesikweletu zihlawula imali encinci yokufumana imali ngetambo. Ukuba uhlawula ukutshintshwa ngekhadi lakho lesikweletu , uza kuhlawula ngaphezulu ngenxa yezinga eliphezulu zamanqanaba kunye nemali yokuhlawula imali.
I-ACH idluliselweyo ihlala ikhululekile kubasebenzisi-ingakumbi ukuba ufumana imali kwi-akhawunti yakho.
Ukuthumela imali kubahlobo kunye nosapho usebenzisa ii- apps okanye iinkonzo zokuhlawula i-P2P zihlala zikhululekile okanye zijikeleze idola enye (ezo nkonzo zihlala zisebenzisa inethiwekhi ye-ACH ukuxhasa iintlawulo). Amashishini kunye neminye imibutho ehlawula umvuzo okanye eyamkela iintlawulo zee-bill nge-ACH ngokuqhelekileyo ukuhlawula loo nkonzo. Iintlawulo zentengiso zihlala zingaphantsi kwamaRandi 1 ngentlawulo.
Inkqubo
Ngokuxhomekeke kwibhankini yakho, kunethuba elifanelekileyo lokuba unokwenza ukutshintshwa kwentsimbi kunye neentlawulo ze-ACH kwi-intanethi.
Nangona kunjalo, amanye amaziko afuna amanyathelo athile okudluliselwa kocingo-ngakumbi xa ethumela ukudluliselwa okukhulu. Ibhanki yakho ingadinga ukuqinisekiswa kocingo lokudluliselwa ngefowuni, kwaye usenokufuneka usebenzise iifom-based okanye ifom ye-elektroniki ukugqiba isicelo sakho.
Ukuthumela uthungelwano lwefowuni , unikele ngolwazi malunga neakhawunti yakho kunye ne-akhawunti ofuna ukuthumela ngayo imali. Ulwazi olufunekayo lubandakanya amagama asebhanki, iinombolo zeakhawunti, iinombolo ze-ABA zokuhamba, njalo njalo (jonga ukuba ungayifumana phi le ngcaciso kwikhonkco ).
Ukuthumela ukutshintshwa kwe-ACH , ngokuqhelekileyo usebenzisa ifomu enikezelwa yintlangano oyihlawulayo okanye inkonzo oyisebenzisayo. Uninzi lwabathengi abakwazi ukudala iintlawulo ze-ACH kumaqela esithathu kwii-akhawunti zebhanki, kodwa amashishini anokufumana unyulo oluninzi . Xa usebenzisa iiNkonzo ze-P2P, usenokufuneka unikezele ngenombolo yeselula yommkeli okanye idilesi ye-imeyile, kwaye ummkeli uya kunika ulwazi lwe-akhawunti yebhanki ngokwahlukileyo.
Ukusetyenziswa ngokuqhelekileyo
Ngenxa yokuchasana okuchazwe ngasentla, ukudluliselwa kwentambo kunye nokudluliselwa kwe-ACH kusombulula iimfuno ezahlukeneyo.
Ukudluliselwa kwefowuni kulungile xa isivinini nokuqinisekiswa kubalulekile. Ngaphandle koko, kutheni uhlawula umrhumo kwaye uthathe amanyathelo angaphezulu ukugqiba ucingo? Umzekelo oqhelekileyo ngumvuzo wokuhlawula ukuthenga ekhaya. Abathengisi abayi kukhulula isihloko ngaphandle kokuba banokuqiniseka ukuba unokuhlawula, ukuhlolwa okuqinisekisiwe kunye nokudluliselwa kwentambo kubalulekile.
Iintlawulo ze-ACH zilungile kwiintlawulo ezincinci, eziqhelekileyo, ezingabalulekanga. Ngethuba nje ukuba wonke umntu obandakanyekileyo uthembele omnye (omnye okanye ngaphantsi), kuyindleko efanelekileyo ukusebenzisa le nkqubo. Imizekelo eqhelekileyo yeentlawulo ze-ACH ziquka:
- Idiphozithi ngqo yomvuzo womqeshwa okanye inzuzo evela kuKhuseleko loLuntu
- Iintlawulo zebhilikhwe zenzeke ngokuzenzekelayo kubasebenzi, ababoleki kunye nabanye ababoneleli ngeenkonzo
- Ukuhambisa imali phakathi kweeakhawunti zakho kwiibhanki ezahlukeneyo