Yintoni emele ukuma?

Iintlawulo zeekhompyutheni zenziwe lula

Ebhankini, i-ACH imele iNtlu yokuCoca ngokuZenzekelayo, eyinethwekhi esetyenziselwa iintlawulo zekhompyutha kunye nokuthunyelwa kwemali. I-ACH yindlela yokuhambisa imali phakathi kweebhanki ngaphandle kokusebenzisa iphepha lokuhlola, ukudluliselwa kwefowuni , amanethiwekhi ekhadi lesikweletu, okanye imali.

Ukubhekisela kwi-ACH kunokuthetha izinto eziliqela, kuxhomekeke apho ubona khona.

Kwizitatimenti zakho zebhanki (okanye imbali yomthengiso), i-ACH ithetha ukuba inkokhelo yekhompyutha yenziwe okanye ivela kwiakhawunti yakho usebenzisa ulwazi lweakhawunti yakho yokujonga.

Imizekelo eqhelekileyo yokudluliselwa kwe-ACH ibhalwe apha ngezantsi. Ukuze kukho naluphi na utshintsho lwe-ACH ukuhambisa imali ukuya kwi-akhawunti yakho, kufuneka ugunyaze abo bahanjiswa kwaye banikele nge- akhawunti yakho yasebhanki kunye namanani okuhambisa .

Kwiimali zakho , i-ACH ithetha ukuba unokukhetha ukuhlawula iindleko zakho ngekhompyutha . Ngamanye amaxesha ezi ntlawulo zibizwa ngokuba yiChecks, EFT, okanye efanayo. Endaweni yokubhala isheke okanye ukungena kwinani lekhadi lekhredithi, unokunika iinkcukacha zeenkcukacha ze-akhawunti kunye nokufumana imali ekhishwe ngqo kwi-akhawunti yakho. Kwezinye iimeko, ulawula xa oko kwenzeka - kwezinye iimeko i-biller yakho idonsa kuphela imali xa i-bill yakho ifuneka, ngoko uya kufuna ukuqinisekisa ukuba unayo imali ekhoyo kwi-akhawunti yakho .

Kuthetha ukuthini iACH?

Yiyiphi i-Automated Clearing House ekubhekiselele kuyo?

Ozenzekelayo: inkqubo yenziwe ngamakhompyutha asebenza kunye ukucwangcisa iintlawulo ngokuzenzekelayo (ngaphandle kwakho okanye umgcini wakho wezinto ezifunekayo ukuphatha ngesandla intlawulo).

Le nkqubo yenkqubo yokucwangcisa "batch" ephethe izigidi zeentlawulo ekupheleni kosuku.

Ukucoca indlu: inethwekhi isebenzisa ezimbini ezibanzi "izindlu zokucima" - ngamanye amazwi, yonke into iyaxutywa ngezo zindlu zokucoca.

Imizekelo ye-ACH Transactions

Mhlawumbi uyazi kakuhle i-ACH kunokuba ucinge.

I-ACH isetyenziselwa ukuthengiswa kwansuku zonke njengale:

• Idiphozithi ngqo yomvuzo wakho (kumqeshi wakho kwi-akhawunti yakho yasebhanki)
• Ukuhlawulwa ngokuzenzekelayo kweebhilidi eziphindaphindiweyo ezifana nezindleko zamandla kunye neengxowa-mboleko (ubhalisela iintlawulo ze-ACH xa uzinike isheke elikhutshwe ngasese)
• Iintlawulo ezivela kumashishini kubathengisi nabathengisi
• Ukuhambisa imali kwi-bhanki yakho yezitena kunye ne-mortar kwi-bhanki yakho ye-intanethi

Njengokuba kukho nayiphi na iteknoloji, ukusebenzisa i-ACH kuthetha ukuthobela i-pros and cons. Masihlole abo bangaphantsi.

Yintoni eyenziwa ngabakwa-ACH kubathengi?

Ukuba ungumthengi , unokuzonwabisa:

• Ukuhlawulwa ngumqeshi wakho ngokukhawuleza, ngokukhuselekileyo, nangokuthenjwa-akukho mfuneko yokufumana ikhekhe yakho kwi-bhanki
• Ukuzenzekelayo iintlawulo zakho ukuze ungalokothi ukhohlwe okanye uhlawule ngokukhawuleza
• Ukwenza ukuthenga kwi-intanethi ngaphandle kokukhangela isheke okanye ikhadi lekhredithi - unokwenziwa ngokuthengiselana ngokukhawuleza
• Ukunciphisa inani lamaqhekeza ephepha elijikelezayo ngeenkcukacha ze-akhawunti yakho yebhanki

I-drawback enkulu yabathengi kukuba ukubeka iintlawulo ze-ACH kuthetha ukuba amashishini axhomekeke kwi-akhawunti yokujonga. Baya kuthatha imali ukuhlawula iibhili zakho nokuba ufuna ukuba okanye cha. Ukuba ufutshane kwiimali, unokukhetha ukuhlawula indlela eyahlukileyo (okanye khetha kwaye ukhethe ngubani ohlawulayo) ukwenzela ukuba iibhola ezibalulekileyo zihlawulwe kuqala.

Ukufumana iinkcukacha ezininzi malunga nendlela abathengi basebenzisa ngayo i-ACH, funda ngokumisela i-ACH debit .

Yintoni eyenza i-ACH eyenziwa ngamashishini?

Ukuba uqhuba ishishini , uya kuzuza ngoku:

• Indlela ephantsi kweendleko, ezingenabasebenzi ekudluliseni imali
• Ukuhlawula abasebenzi ngaphandle kwemfuneko yokuprinta ukuhlola okanye ukuhlawula iposi
• Ukuhlawulelwa ngabathengi ngokukhawuleza, ngokukhawuleza, kwaye rhoqo - akukho khonkco yokuhamba kwemali kuxhomekeke xa ungena kwibhankini
• Imirhumo yokucwangcisa ephantsi kweekhadi zekhadi zekhredithi
• Ukuhlawulelwa ngabathengisi - okanye ukwenza iintlawulo kubaboneleli - ngendlela elula ukuyilandelela (kukho irekhodi yekhompyutha yangoko) kwaye ikhuselekile

Amashishini abhekane nengxaki efanayo nabaxhasi: kukho ikhonkco ngqo kwiakhawunti yakho yokukhangela, kwaye naziphi na iimpazamo okanye ukurhoxiswa okungalindelekanga kungabangela iingxaki. Ukongezelela, amashishini kufuneka aqwalasele abathengi ukuguqula iindleko kunye nokubuyisela inkokhelo (nangayiphi isizathu).

Ngokuxhomekeke kwizigunyaziso kunye nezivumelwano ozisebenzisayo, ubeka ingozi ekuthumeleleni iimpahla kuphela ukufumanisa ukuba abathengi baphinde bafake ingxabano baze baphinde bahlawule intlawulo.

Ekugqibeleni, amashishini angadinga ukuthenga isofthiwe okanye ixesha lokutyalomali kunye nezibonelelo ekutshintshelweni ku-ACH ukudluliselwa. Nangona kunjalo, baya kuba baninzi kunokuba baphinde bahlawule ezo ndleko kwixesha elide.

Ukufumana iinkcukacha ezininzi malunga nokusetyenziswa kwamashishini ACH, funda nge- ACH processing .