Yintoni Oyenzayo Ngomntu Olahlekileyo okanye Owebiweyo I-Checker's Check?

Awukwazi Ukuyeka Ukuhlawula

Iteksi yetshekhi yindlela yokufumana intlawulo "eqinisekisiwe", kwaye ezo zihlolisiso zihlala zisetyenziselwa ukuthengiselana okukhulu kunye nokuthenga okukhulu (njengentlawulo ephantsi kwikhaya ). Kodwa kuthekani ukuba ulahlekelwa ngumkhangeli wecashier okanye ubiwe?

Inkqubo ixhomekeke ekubeni kutheni ufuna ukukhansela isheke, nokuba ngaba unayo.

1. Xa ungasenaso isheke kuba sele ilahlekile okanye ibiwe, okanye ufuna "ukuyeka ukuhlawula" nayiphi na isizathu: Gcwalisa ifom kunye nebhanki yakho ecela ukuba babuyisele imali kwiakhawunti yakho. Jonga ngezantsi ukufumana iinkcukacha ezipheleleyo kule nkqubo

1. Xa usenayo isheke kwaye ufuna nje ukukhansela: Buyela isheke kwibhanki yakho. Le ndlela isebenza xa utshintshe ingqondo yakho okanye ungasayi kufuna isheke ofumeneyo.

Abathengisi bafana nokuhlola i-cashier ngenxa yokuba- kuthatha isheke kusemthethweni -iyo iitshekhi ayikwazi ukuhlawula. Ibhanki ekhuphayo ithembisa ukuhlawula i-cashashi's check out of the bank's account. Ngaphandle kokuba kubekho ukukhwabanisa ngokucacileyo (njengokwamkelwa ngokubambisana), ibhanki kufuneka ihloniphe isheke kwaye iimali kufuneka zifumaneke ngokukhawuleza.

Kodwa eso sikhuseleko sisona senze ukuba kunzima ukukhansela i-checksheet checks. Ukuba unokuyeka ukuhlawulwa kulabo bahlole, babeza kuba luncedo. Sekunjalo, kukho iindlela zokuzikhusela kumasela kwaye ufumane imali yakho xa izicwangciso zitshintsha.

Ngelishwa, kuthatha ixesha, kwaye ibhanki yakho ingenakuyihlonela isicelo sakho. Funda ngeenkcukacha ezingezantsi.

Indlela yokuChosela iCashier Check

Ukuba isheke lakho lilahlekile okanye libiwe (nokuba uyenza intlawulo okanye uyifumene njengentlawulo) kufuneka uqhagamshelane nebhanki ekhuphayo ngokukhawuleza.

Kwakhona, awukwazi ukuyeka ukuhlawulwa kwisesheke yesikhokhelo, kodwa yinto efanelekileyo ukuvumela ibhanki ukuba into eyenzeka ngetekethi ukwenzela ukuba banokuyifakisha ukujonga ngakumbi xa kwenzeka.

Ukunika ingxelo elahlekileyo okanye ebiwe , fayile isibhengezo sokulahleka kunye nebhanki ekhuphe (okanye icapile) isheke.

Ukuba ufumene isheke njengentlawulo, sinethemba lokuba unayo ikopi yecatshulwa. Ukuba akunjalo, ungadinga ukunxibelelana nomthengi wakho ukuba ufumene ukuba yiyiphi ibhanki ekhuphe isheke.

Isibhengezo sokulahleka: Kufuneka unike ingxelo ebhaliweyo eyenziwe phantsi kwesigwebo se-perjury ukuba awunaso isheke kwaye awuyi kuwufumana. Xa ufaka isibhengezo sokulahleka, wenza ibango kwiimali, kodwa awuyi kufumana imali kuze kube yilapho kamva:

1. Kwiintsuku ezingama 90 emva kokukhishwa isheke
2. Kwiintsuku ezingama 90 emva kokuba ufake i sivakalisi

Ngethuba leentsuku eziyi-90, ibhanki isenokuhlawula isheke kuye nawuphi na onika yona. Ukuba isitshixo sebiwe, ungacinga ukuba isela sidinga ukutyikitya sakho isayinwa ukuba wenze imvume okanye wenze into engekho mthethweni, ngoko kukho ithuba elifanelekileyo ibhanki liya kuqaphela (ekucingeni ukuba uyayilumkisa into yokuba isheke ayikho) .

Ezinye iimeko: Ukuba usitshintshe ingqondo yakho malunga nokwenza intlawulo-kodwa uthumele inkokhelo-akukho nto ongayenza ukuyeka umvuzo ovumelekileyo ukususela kwindawo yokufaka okanye ukuhlawulisa isheke kunye nokubiza imali. Ukuba kukho impazamo okanye impikiswano, kuya kufuneka uhlawule isheke (okanye iimali) ukusuka kwintlawulo enye indlela. Oku kungadinga isenzo somthetho okanye ingxoxo ngaphandle kokubandakanyeka kwebhanki.

Emva kokuphela kweentsuku eziyi-90 kwaye isheke liqhubekile , ibhanki iya kukhupha imali kuye nabani na onayo ibango kwimali (mhlawumbi umboleki okanye umnini-akhawunti, kuxhomekeke kwimeko). Ukuba umntu uzama ukufaka isheke, ibhanki iya kubuya isheke ngaphandle kokuyihlonela.

Kodwa iintsuku ezingama-90 zide kakhulu!

Kuthekani ukuba ufuna imali ngokukhawuleza? Ukuhlolwa kwee-Cashier ngokuqhelekileyo kukuhlola okukhulu, kwaye ibhanki ithatha loo mali kwiakhawunti yakho (okanye ithathe imali) ngelixa ukhupha isheke. Ngaphandle kokuba unemali eninzi, unokufumana ingxaki yokuhamba kwemali.

Unokuhlala ucela i-check replacement check, kodwa ungafumani ithemba lakho. Kwakhona, ibhankini isecaleni lokuhlawula iintsuku eziyi-90 zokuqala emva kokukhangela isheke. Ibhanki ibhekana nemiphumo emibi xa ingafuni ukuhlawula isheke-mali-ngaphandle kokuba sinesizathu esihle kakhulu.

Ibhanki inokukhangela ukutshintshwa kwendawo yokutshekisha ukuba bazimisele ukubeka umngcipheko wokuvavanya amabini ngaphandle koko, kodwa oku kungekho mgaqo. Iingxaki zakho zilunge xa ​​ixabiso le dollar liyingancinci kwaye unokwenza ukuba ibhanki ibhekise ukuba isheke sokuqala asiyi kufikelela.

Ngamanye amaxesha amabhanki aphinda ahlole i-cashier's checks xa usayina isivumelwano sesivumelwano: Ukuba i-check original ishicilelwe kwaye ibhanki kufuneka ihlawule kabini, kuya kufuneka uyibuyisele ibhanki. Ukuze le nto isebenze, ibhanki kufuneka ikholelwe ukuba ulungile ngemali, kwaye inzima umngeni. Usenokukwazi ukufumana ibhondi ekhutshwe yinkampani yomshuwalense ejongene nomthwalo wakho, kodwa kunzima kwaye kuyabiza (kwaye akuyona inketho engokoqobo kubantu abaninzi).

I-Check Cashier Checks (Xa Utshintsha Ingqondo yakho)

Kuthekani ukuba unayo isheke, kodwa awuyikuyidinga kwakhona? Ngokomzekelo, usenokuba unqume ukuba ungadluli ngokuthenga ngexesha lomzuzu wokugqibela.

Awudingi ukufaka ifomenti yokulahlekelwa ukuba unayo isheke. Endaweni yoko, unokuyibuyisela ebhanki kwaye ubhale "Akayisebenzisi ngenjongo ejoliswe kuyo" kwisheke. Qhagamshelana nebhanki yakho kwaye ubuze ukuba zeziphi iimfuno. Ibhanki yakho kufuneka ibuyisele imali kwiakhawunti yakho xa ifunyenwe kwakhona.

Ezinye iibhanki zenza kube nzima ukucima isheke ongeke uyisebenzise. Yenza amava abahlupheki bamava, kodwa kufuneka babe nezizathu zabo. Ukuba ibhanki yakho yenqabe ukubuyisela imali kuwe, unokufuna ukulinda ixesha elide okanye ulwe nzima (cela ukuba uthethe nabaphathi) ukuba ufumane imali yakho. Emva koko, vota ngeenyawo zakho kwaye uvule i-akhawunti kwenye indawo .

Ulwazi olubalulekileyo

Inyaniso yokuba ufunda malunga nokukhansela isicatshulwa se-cashshi ibonisa ukuba ungaphakathi kwintengiso ebalulekileyo, kwaye kunokukho imali eninzi. Eli nqaku liyindawo yokuqala-ufuna ngokwenene ukuthetha nebhanki yakho ngoku ukuba ufunde ukuba izinto zisebenza njani kwiindawo ezininzi (kodwa kungekhona zonke). Kufuneka udibane kunye nommeli wendawo ukuba uhlole ingozi yakho kwaye uxoxe ngamalungelo akho. Fumana oko kuthethwa ngamanyathelo athile alandelayo, unikezelo lwenkqubo yebhanki yakho kunye neemeko zakho.