US Bank vs. Chase: I-Free Checking Account Offers

Kunokuba nzima ukufumana ibhanki enika iirhafu ezifanelekileyo kwi-"free" ukujonga i-akhawunti - kodwa kusekho iibhanki ezimbalwa ngaphandle apho zibonelela ngee-akhawunti zangaphandle zamahhala, kunye nezinye iinkonzo zebhonasi.

Ibhanki yaseU.S. Chase i-Akhawunti yokuHlola yamahhala

Amabhanki amabini amakhulu kunika ii-akhawunti ezihlawulelwayo zamahhala zixake iBhanki kunye ne-US Bank. Nangona kunjalo, qaphela ukuba ii-akhawunti "zamahhala" zihlala nje zibandakanya iifizi zogcino.

Ezinye iirhafu zingasebenza kunye, ngoko yinto efanelekileyo ukujonga ukuprintwa kakuhle. Makhe sijonge ezinye zeempawu zeakhawunti zokujonga ezinikezelwa ngamabhanki amabini:

Ibhanki yaseU.S.

Ibhanki yase-US inika i-akhawunti yokukhangela yamahhala kunye ne-deposit evulekileyo yokuvula. Akukho mali yokugcinwa kwenyanga okanye iimfuno zokunciphisa ibhalansi kule ndlela ye-akhawunti yokukhangela yamahhala. Zonke iintengiso ze-ATM ezenziwe nge-ATM yase-US Bank nazo zikhululekile.

Ibhanki yase-US inika nekhadi lokubhadela kwaye ivuza umvuzo nge-akhawunti yabo yokukhulula i-akhawunti kunye ne-intanethi ye-intanethi ngokuhlawulwa kwebhilikhwe. Ukongezelela, le bhanki isebenzisa inkqubo yebhanki yeselula ehambelana namadivayisi amaninzi esekelwe kwiwebhsayithi ukwenzela ukuba uhlolisise i-akhawunti yakho ekuhambeni, nayo yonke imimiselo esemgangathweni. Imali yokugcinwa kwebhanki yase-US yonke ihlola iikhomputha kwaye iya kubuya ikhanseliwe ithengisa mahala. Ukukhangela ii-akhawunti ezingabhalwanga zikhulula umdla kuyo nayiphina imali egcinwe.

Chase Bank

Xa kuziwa kwi-akhawunti yokukhangela yamahhala, iBhanki ye-Chase ineenketho ezimbalwa ozikhethileyo. Ngokuxhomekeke kwisixa sokufaka idiphozi oyikhethayo ukuba wenze kwi-akhawunti yakho kunye neyona ncinane ibhalansi yansuku zonke ebamba yakho kwi-akhawunti yakho, i-akhawunti yokukhangela oyikhethile inokukhululeka kwaye ayifuni imirhumo yenkonzo yenyanga.

Okuhle kakhulu Ukutshintsha ii-akhawunti kufuna i-deposit encinane yokuvula idiphozi ukuze uvula i-akhawunti yokukhangela yamahhala. Ngokuqhelekileyo akukho mrhumo yenyanga yokugcinwa kwemali xa ukwenza uchungechunge lwee-akhawunti zekhadi le-ATM kwi-akhawunti - jonga ngokuthe ngqo kunye ne-Chase iimali ezichanekileyo-kwixesha elithile okanye xa usebenzisa iinkonzo zabo zokubakhombisa rhoqo ngenyanga.

I-Chase inikezela ngokuthengiselana kwe-ATM yamahhala kwiindawo ze-ATM ze-ATM, kodwa kukho umrhumo omncinci ohlawulwe ukusetyenziswa kwe-ATM yezinye iibhanki. Kufuneka ulindele kwakhona ukhuseleko lokunyanzeliswa kwemali kwi-ATM / Debit amakhadi ngaphezu kokukhuselwa okuqhelekileyo okunikezelwa ngamakhadi okutshekisha kwi-VISA. Ukuba ikhadi lakho lisetyenziswe ngendlela engagunyaziswanga, i-Chase Bank iya kubuyiselwa imali yakho kwi-akhawunti yakho.

I-Bank ye-Chase inikezela ngenkokhelo yentlawulo ye-intanethi ye-intanethi, kwakunye nenkonzo yesebhanki yeselula yefowuni yakho okanye ezinye izixhobo eziphathekayo. Ukongeza, uyakwazi ukujonga ukukhangela ukukhishwa kwizitatimenti zakho ze-intanethi. Kubalulekile ukuba uqaphele ukuba i-Chase Bank ikhululekile ukujonga i-akhawunti ayifaki inzala kwimali kwi-akhawunti yakho.

Ukuthelekisa iMinikelo yeBhanki

Akunobulumko ukuthelekisa ibhanki komnye nomnye, kubalulekile ukuba uqhathanise iinkqubo ezahlukeneyo zokujonga i-akhawunti ezinikezelwe kwinkqubo efanayo yebhanki.

Uninzi lweebhanki ngoku unikeza izixhobo zokufanisa kunye neetshathi kwiiwebhusayithi zazo ukuze kukuncede ukhethe i-akhawunti efanelekileyo kunye nesicwangciso senyanga. Funda ukuprintwa kakuhle, qhathanisa iakhawunti kwaye ukhethe ngokuxhomekeke kwiimfuno zakho zebhanki.