- Ungabhala isheke kwi-akhawunti yokulondoloza?
- Kutheni malunga nokuthenga intanethi kunye nale mali?
- Ngaba unako ukumisela iintlawulo zesikhokhelo eziphindaphindiweyo?
Impendulo kule mibuzo ngokuqhelekileyo ayikho. I-akhawunti yokulondolozwa ayikuvumeleki ukuba ubhale amasheke eentlawulo kunye nokuthenga.
Ngokuqhelekileyo kulula ukufumana isheke kwi-akhawunti yakho yokugcina ehlawulwa kuwe (umnikazi we-akhawunti) , kodwa oku kubakho ukuhoxiswa. Ezi zihlolisiso ziprintwe yibhankini yakho, kwaye awufumani i-checkbook yakho ngokubhala ngokuzihlola.
Ukuba ibhanki yakho ivumela le nto (okanye uyifake ngempumelelo), yinto into ofuna ukuyijonga ngokusondeleyo - unokube ngcono xa usebenzisa i-akhawunti yokukhangela kulezo zintengiselwano. Ukuba uninzi lwezi zihoxiso zenzeka nganye ngenyanga, lindele ukuphazamiseka (ukufuna ukuvula ii-akhawunti ezintsha kwaye utshintshe ezo ntlawulo nakanjani) kwakunye neentlawulo zebhanki.
Oku kuthethi, kukho iindlela zokusebenzisa imali kwi-akhawunti yakho yokulondoloza.
Eyesithandathu Ngenyanga
Isizathu sokuba ungeke wenze iintlawulo kwi-akhawunti yokulondoloza ngumthetho wesigqeba obeka umda weentlobo ezithile zokuhoxiswa (uMgaqo D). Xa ujongana nekhawunti yokutshekisha, unokwenza amanqaku amaninzi njengoko ufunayo ngokubhala isheke, usebenzisa ikhadi lakho lokubambisa, ukwenza iintlawulo zerhafu ye-elektroniki okanye ukurhoxisa imali.
Kwi-akhawunti yokulondoloza, ezo ntlobo zeentlawulo, kunye neentlawulo zekhompyutheni kunye nokuthunyelwa ngokuzenzekelayo, zilinganiselwe ezintandathu kwiinyanga (ngaphandle kokuba uziphathe ngomntu, ngefowuni, ngeposi okanye kwi-ATM).
Oko kuchaza ukuba awukwazi ukubhala amasheke kwi-akhawunti yokulondoloza okanye ukuyisebenzisa ekuthengeni i-intanethi; ngaphandle kwemida esuka kwibhankini yakho, uya kwenzeka ukuba ugijime umda we-federal, kwaye ibhanki yakho ingena enkingeni ukuba wenza njalo.
Akukho mda kwinqanaba lediphozi ongayenza kwi-akhawunti yokulondoloza. Ngoko qhubeka uye wongeza imali xa unako ithuba.
Into Eyona Mfutshane
Ukuba ufuna i-akhawunti ehlawulela inzala kunye nokukwazi ukusebenzisa loo mali lula, unokhetho oluthile.
- Intshato yokujonga i-akhawunti yinto efana nayo; Ukukhangela i-akhawunti (ngaphandle kwemida yokuthengiswa kwenyanga) ehlawula inzala yakho ngemali. Amanqanaba anomdla amaninzi aphantsi kunokuba ungayifumana kwi-akhawunti yokulondoloza, kodwa inzala ye-intanethi ukujonga i-akhawunti ihlawula irhafu yokukhuphisana. Funda kabanzi malunga nokufumana inzala ngokukhangela kwamahhala .
- Iimali zeemarike zemali zifana ne-akhawunti yokugcina imali. Bahlawula ngaphezu kweakhawunti yokulondolozwa kwe-vanilla, kwaye uvumelekile ukuba ubhale amasheke kwi-akhawunti yemarike yemali (unokufumana kwakhona ikhadi lokukhangela imali). Njengeengxelo zokulondoloza, unaloo mithandathu yenyanga-umyinge (kwaye ezinye iibhanki zinciphisa umda ukuya kweyintathu), ngoko ke le akhawunti ayilona ukusetyenziswa kwansuku zonke. Ukuba ufuna kuphela ukubhala iireki ekulondolozeni kwakho ngezikhathi ezithile, banokuhlangabezana neemfuno zakho.
Into onokuyenza
Ulawulo lweenyanga ezintandathu-ntlawulo aluthetha ukuba ufanele uhambo oluya kwibhanki ukusebenzisa imali kwi-akhawunti yakho yokulondoloza. Ufumana amathuba amathandathu okuphuma ngaphandle kwento oyifunayo kwinyanga.
Nazi ezinye iindlela zokugcina imali yakho ifumaneke.
- Ukutshintshela ukujonga: thumela into oyifunayo kwi-akhawunti yakho yokutshekisha, uze uchithe kule akhawunti. Ezi ntlobo zogqithiso zikhawulelwe ezintandathu ukuya kwenyanga ngaphandle kokuba uziphathe ngomntu okanye kwi-ATM, kodwa ngokucwangciswa okuncinane, kufuneka ukwazi ukufumana ngokwaneleyo inyanga nganye. Ukuba unayo i-akhawunti yokujonga, vula enye. Zama i- akhawunti ehlawulwa kuqala ukuba awukwazi ukuvula i-akhawunti yokutshekisha ebhanki okanye kwimanyano yemboleko.
- Fumana imali: ayikho imida engummiselo kwindlela ohlala uhoxisa ngayo imali kwi-akhawunti yokulondoloza usebenzisa i-ATM okanye umxeleli.
- Khangela isheke: ukuba awukhululekile ukusebenzisa imali, unokwenza ibhanki ishicilele isheke kwi-akhawunti yakho yokulondoloza. Ukuba isheke lihlawulwa kuwe (umnini-akhawunti), lo mthengi awuyi kubalwa nomlinganiselo wakho wenyanga. Unokucela kwakhona itekethi ehlawulwa komnye umntu, kodwa khangela kuqala kwibhanki yakho: ukuba kuvumelekile, kuya kufuneka ukuba usayine iifowuni kwaye iya kubalwa ngokuthengelana kwakho ezintandathu.