Ziziphi iAkhawunti zeBhanki ozifunayo?

by UMiriam Caldwell

Qonda iiAkhawunti zeBhanki eziSeko

Xa uqala ukulawula imali, awukwazi ukuba yiyiphi i-akhawunti eyona nto ibhetele ukuvula. Wonke umntu kufuneka abe neengxelo ezimbini, ukutshekisha kunye ne-akhawunti yokulondoloza. Njengoko uqala ukugcina imali engaphezulu, kukho i-akhawunti yokonga eyongezelelweyo enokufuna ukuyiqwalasela ukuvula ngenxa yokuba inika umrhumo ophezulu. Xa usuqala ukutshala imali, enye yemali kwi-akhawunti yakho yokugcina imali ebhanki kufuneka idluliselwe kwi-akhawunti yakho yokutyalomali. Njengoko uqwalasela iindidi zeakhawunti ozifunayo, ungaphinda ufune ukutshintshela kwi-intanethi kuphela kwi-akhawunti efana ne-akhawunti yakho yokugcina. Uyakwazi ukufumana inzala ephezulu ngale ndlela. Unokucinga kwakhona usebenzisa i-credit union, enika ukhuselo olufanayo njengebhanki kodwa ngeemali eziphantsi.

01 Ukujonga iAkhawunti

I-akhawunti yokutshekisha ibalulekile ekulawuleni imali yakho ngokufanelekileyo. Ungayifumana kwisiseko semali kuphela, kodwa yenza kube nzima nakakhulu ukuhlawula iindleko zakho. I-akhawunti yokutshekisha iya kukuvumela ukuba uhlawule iimali zakho kwaye ufinyelele kalula imali yakho. Xa uvula i-akhawunti yakho yokutshekisha, kufuneka ufumane nekhadi lebit debit. Oku kungasetyenziswa kwi-ATM, kwaye kwiindawo zokugcina. Ingasetyenziselwa ukwenza ukuthengwa kwe-intanethi.

Ukuba uzama ukufumana iindleko zakho zezo shishino kwiindleko zakho, ungafuna ukuvula ii-akhawunti ezininzi . Unokuvula ii-akhawunti ezininzi zokujonga iibhanki okanye ukhetha ukuba ne-akhawunti kwiibhanki ezahlukeneyo. Ukuba unayo i-akhawunti engaphezu kweyodwa, qiniseka ukuba ugcine i-akhawunti ihlukaniswe ngenxa yokuba ungayidlulisela imali ngokukodwa xa uyisebenzisa ngokuphosakeleyo. Inokukunceda ukuba ube namakhadi ahlukeneyo omdaka kunye nokuhlola.

02 IAkhawunti Yokugcina

I-akhawunti yokugcina ingundoqo yinto enye ongayicinga ngayo. Kumele ube ne-akhawunti enye ukuba ungayigcina imali ngokwahlukileyo kwi-akhawunti yakho yokujonga. Enye yeenzuzo ze-akhawunti yokulondoloza kukuba inexabiso elincinci lemfuneko yokulinganisela. Yona khetho oluhle kumntu oqala ukugcina imali. Enye yeemeko kukuba inzala yenzalo iyancinci kunezinye ikhetho ze-akhawunti. Enye inketho kukuqwalasela ukuvula i-akhawunti yokulondoloza i-intanethi kuba amaxabiso enzala ahlala ephakamileyo kunama-akhawunti asebhanki.

Kubantu abaninzi, i-akhawunti yokulondoloza i-akhawunti yebhanki yokuqala. Unokufikelela kwimali yakho ekuvinjweni okanye ngekhadi le-ATM. Ukuba wenze iimpazamo kwaye ube ne- ChexSystems ingxelo , i-akhawunti yokulondoloza ingaba yedwa okukhethwa kukho. Kungaba nzima ukulawula imali yakho nje nge-akhawunti yokulondoloza.

03 I-akhawunti yeMarike yeMali

I-akhawunti yemarike yemali enye inketho ye-akhawunti yokulondoloza. I-akhawunti yemarike yemali inikeza inzala ephezulu. Ukuba unayo ibhanki, iqinisekiswe yi-FDIC. Unokwenene ukuhlola le akhawunti. Inomlinganiselo obuncinane we-akhawunti, kwaye ukuba awukwazi ukugcina le mali-mali uya kuhlawulwa iirhafu. Umyinge onomdla ophezulu awunakulungele ukuhlawulwa kwemirhumo, ukuba awukwazi ukugcina ngokukhawuleza imfuneko yokulinganisela ibhalansi. I-akhawunti yemarike yemali yindlela enkulu yokufumana imali ngezoxakeka.

ISatifikethi se-Deposit esingu- 04

Izatifikethi zeDisposithi okanye iiCD ziya kwenye into ekhoyo kwiibhanki. Le akhawunti inika inzala ephezulu, kodwa uvale imali kwixesha leCD. Inzala yomhlala-mali ingahlala iphantsi xa ixabiso lesantya likhula. Ukongezelela, awukwazi ukurhoxisa yakho ngaphandle kokuthatha isohlwayo de kube ixesha le-CD ligqibile. Oku kuyindlela efanelekileyo xa ulondolozela into ethile okanye inxalenye encinci yesikhwama sakho esingxamisekileyo.

05 I- Overdraft Protection

Unokuvula i-overdraft ukhuseleko okanye i-akhawunti yokugcina imali. Le akhawunti iya kukukhusela kwi-overdrawing akhawunti yakho yokukhangela. Enye ifom yokukhuselwa kwe-overdraft idibanisa umgca wekhredithi kwi-akhawunti yakho. Enye inketho kukuba i-akhawunti yakho yokulondoloza ixhomekeke njenge-akhawunti yakho ye-overdraft, kwaye imali iya kutshintshwa ngokuzenzekelayo. Kubalulekile ukuqaphela ukuba akufanele usebenzise ezi nkonzo ngaphandle kokuba kuyingozi.

Ukukhusela i-overdraft yabasebenzisi bebhanki ukuze benze imali kwimirhumo kumthengi. Ukukhuselwa kwe-Overdraft akufani ne-akhawunti yokugcina imali. Ukukhuselwa kwe-overdraft iya kuhlawula intlawulo nganye kwinto nganye ebhankiweyo kuwe xa uhlawulwa. Kukho iimali ezongezelelweyo zokuphatha ibhalansi engalunganga.

I-akhawunti yokugcinwa kwemali ngumgca wekhredithi eboshwe kwi-akhawunti yakho yokujonga. Uhlawuliswa imali yokudlulisa (ngokuqhelekileyo le nto incinci ijikeleze i-$ 5.00 ngeyonke imali eyi-$ 100) kwaye ke inzala kwimali oyimfuneko. Umyinge wenzala ufana nereyithi oza kuhlawulwa ngayo kwikhadi lekhredithi.

01 Ukujonga iAkhawunti

02 IAkhawunti Yokugcina

03 I-akhawunti yeMarike yeMali

ISatifikethi se-Deposit esingu- 04

05 I- Overdraft Protection

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