Yintoni Okufanele Uyazi Ngomthetho Wokudluliswa Kweengxowa-mali ze-Electronic (EFTA)

Umthetho uhlangothi lwakho, kodwa kuphela ixesha elincinci

Isela lesazisi lingafikelela kwi-akhawunti yakho yasebhanki ngeendlela ezininzi. Ukuba ikhadi lakho lokubambisa linye indawo yokufikelela, kodwa akuyena kuphela. Ngokomzekelo, xa uhlawula into ngetekisi, unika inombolo ye-akhawunti yakho yasebhanki kunye nolwazi lokuhambisa umthengisi, umthengisi, kunye nabani na abanye abandakanyekayo ekusebenziseni ukuthenga kwakho. Ukuxhotyiswa ngale ngcaciso, amasela olwazi kufuneka kuphela enze utyalo-mali oluncinci kwi- software efanelekileyo yokuprinta i-software ukuze uqale ukuba imali kwi-akhawunti yakho yasebhanki.

Amagama ahlukileyo kwiBhanki yeBhanki yeBhodi

Xa umntu efumana ufikelelo olungagunyazisiweyo kwi-akhawunti yakho yebhanki, isenzo luhlobo lwebabi besazisi . Kodwa ibhanki ingabiza ukukhwabanisa kwe-akhawunti, ukuhoxiswa okungagunyaziswanga, okanye ukukhwabanisa kwegama. Naluphi na ulwimi olusetyenziswayo, kuya kufuneka ukwazi ukuba wenzeni nokuthi ukhuselwe njani. Umthetho we-Electronic Funds Transfer Act (i-EFTA) unika ukhuseleko kwi-akhawunti ye-bhanki yebhanki, kodwa iyancipha. Ukuba ukholelwa ukuba isela lesazisi linokufikelela kwikhadi lakho lokubambisa okanye ukhangele ulwazi, kufuneka uthathe inyathelo ngokukhawuleza.

Imigaqo ye-Electronic Funds Transfer Act

Umthetho we-Electronic Funds Transfer Act (i-EFTA) unikeza ibhanki ngezikhokelo zendlela yokulungisa iingxabano ngeakhadi ATM / debit. Kodwa i-onus ikuwe, umnini-akhawunti, ukuqaphela ukuthengiswa okungagunyazisiweyo kwi-akhawunti yakho. Ukubamba ubuqhetseba bebhanki yebhanki kungekudala, yenza umkhuba wokudibanisa i-akhawunti yakho yasebhanki inyanga nganye xa ufumana isitatimende sakho sebhanki.

Ukuba uninzi lweentlawulo kunye nokuthengiswa kwemali, ukudibanisa i-akhawunti yakho kabini ngenyanga kunokuba ngumkhwa wobulumko. Ukuba uyaphawula iphutha, yibika ngokukhawuleza. Ukuba ulinde, ungekho inhlanhla. Ngokutsho kwe-EFTA, unelungelo lokukhawulela ilahleko ozenzayo:

• Ukuba iiposenti zichazwe kwiintsuku ezimbini zoshishino, ilahleko lakho kufuneka lilinganiselwe kwi-$ 50.

• Ukuba iiposenti zichazwe zingakapheli iintsuku ezingama-60, ukulahleka kwakho kuya kufikelela kuma-500.
• Ukuba iiposenti zichazwe kwiintsuku ezingama-60, mhlawumbi uya kuba yimali kunye nayiphi na imali ye-overdraft.

Iingxelo zeBhanki yakho ifuna ukuphanda ulwaphulo-mthetho

Ukuqala uphando ngebango lakho, kufuneka unikele ngolwazi oluthile kwibhanki yakho. Iinkcukacha ezilandelayo ziyanceda ekuqaliseni amanyathelo ebhanki ayifunayo ukuba asombulule ingxabano yakho, ngokusekelwe kwimithetho ye-EFTA:

• Igama lakho kunye nenombolo ye-akhawunti
• Kutheni ucinga ukuba kukho impazamo
• Ingakanani impazamo
• Umhla wephutha

Iibhanki ezininzi zicela ukuba unike le ngcaciso ngokubhala ngaphandle kweentsuku eziyi-10 emva kokuba uqalise imbambano .

Ukuba i-akhawunti isebenze iintsuku ezingama-30, ibhanki iya kwenza uphando kwaye ibuyele kuwe zingadlulanga iintsuku ezili-10. Ukuba badinga ixesha elingaphezulu, banokuthatha iintsuku ezingama-45 kodwa baya kuthenga imali kwi-akhawunti yakho ngelixa bephanda. Ibhanki kufuneka ikuxelele ukuba uphando luya kuthatha ixesha elide kunexesha eliqhelekileyo.

Ukuba i-akhawunti ingaphantsi kweentsuku ezingama-30 ubudala, okanye uphikisana nendawo yokuthengiswa okanye ukuthengiswa kwamanye amazwe, banokuthatha iintsuku ezingama-20 ukufaka i-akhawunti yekredithi yexeshana. Basenokuthatha iintsuku ezingama-90 ukugqiba uphando lwabo.

Abasebenzisi abagunyazisiweyo kunye neerhafu ezingagunyaziswanga

Ukuba uphando lwebhanki aluxhasi iibango zakho, ziya kukukwazisa ngokubhaliweyo, kwaye zibuyise iikhredithi kwi-akhawunti yakho. Esinye sezizathu abanako ukuxhasa ibango lakho lisebenzisa ngokugqithisileyo ngumsebenzisi ogunyazisiweyo. Ngamanye amagama, ukuba uvumela ukuba unyana wakho asebenzise ikhadi lakho , kwaye uchitha ngaphezu kokumxelela ukuba unako, ibhanki ayiyi kuqwalasela ukuba utshintshi (ngenxa yokuba wamnika imvume yokusebenzisa ikhadi.)