Ndi ngongole yanyumba, mungasinthe mabanki?

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Akaunti yakubanki ingathandize kugwiritsa ntchito ndalama mosavuta, koma nthawi zina kungakhale koyenera kapena kosavuta kusintha mabanki. Mwachitsanzo, mungafunike kusamutsa ndalama zanu kubanki yatsopano ngati mutasamukira mumzinda wina. Nthawi zina, kusintha mabanki kungakhale nkhani yongopeza yomwe imapereka chiwongola dzanja chochepa kapena chiwongola dzanja chabwino pakusunga.

Kodi ndizovuta kusintha mabanki? Osati kwenikweni. Koma ziribe kanthu chifukwa chanu chotsegulira akaunti yakubanki yatsopano ndikusiya banki yanu yakale, pali zinthu zingapo zomwe muyenera kuchita kuti kusinthaku kukhale kosavuta.

Pokhala ndi zosankha zambiri zotsegula akaunti yatsopano, ndizothandiza kukhala ndi mndandanda wazinthu zomwe muyenera kuyang'ana poyerekeza mabanki. Mukafuna banki yatsopano, kukumbukira izi kungakuthandizeni kupanga zisankho:

Ganizirani ma depositi ochepera otsegulira ndi zofunikira zochepa zamabanki osiyanasiyana. Mwachitsanzo, mutha kupeza banki imodzi yomwe safuna kuti mutsegule akaunti, pomwe ina imayika malire apamwamba.

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Ngati mgwirizano wanu wobwereketsa uli ndi bungwe lazachuma lomwe limayang'aniridwa ndi boma, monga banki, wobwereketsayo akuyenera kukupatsirani mawu okonzanso masiku osachepera 21 kuti nthawi yanu isanathe. Wobwereketsayo akuyeneranso kukudziwitsani masiku 21 nthawi yomaliza isanathe ngati simukubwezanso ngongole yanu yanyumba.

Yambani kuyang'ana miyezi ingapo tsiku lomaliza lisanafike. Lumikizanani ndi obwereketsa osiyanasiyana ndi obwereketsa nyumba kuti muwone ngati akupereka njira zobwereketsa zomwe zimakwaniritsa zosowa zanu. Musadikire kuti mulandire kalata yowonjeza kuchokera kwa wobwereketsa wanu.

Kambiranani ndi wobwereketsa wanu wapano. Mutha kukhala oyenera kulandira chiwongola dzanja chochepa kuposa momwe tafotokozera m'kalata yanu yokonzanso. Uzani wobwereketsa wanu za zomwe mwalandira kuchokera kwa obwereketsa ena kapena obwereketsa nyumba. Mutha kupereka umboni wazotsatsa zilizonse zomwe mumalandira. Onetsetsani kuti chidziwitsochi chili pafupi.

Ngati simuchitapo kanthu, kukonzanso nthawi yanu yobwereketsa kutha kukhala yokha. Izi zikutanthauza kuti mwina simungalandire chiwongola dzanja chabwino komanso mawu. Ngati wobwereketsa akukonzekera kukonzanso ngongole yanu yobwereketsa, zidzatero powonjezeranso.

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Ngati muli kale kasitomala wa kubwereketsa nyumba koyamba ku US Bank kapena phukusi laakaunti yaku US Bank, mutha kulandira ngongole yamakasitomala pamitengo yotseka yobwereketsa nyumba yanu yotsatira.1 Tengani 0.25% ya ngongole yanu yoyamba yotsatira ndipo achotse pamitengo yotseka, mpaka kufika pa $1,000.2

Mutha kusinthanso zokonda zanu za imelo ndi foni polowa mu Banking Yapaintaneti ndikusankha Mbiri Yanga. Kenako, sankhani Sinthani pafupi ndi nambala yanu yafoni kapena imelo ndikusankha zomwe mukufuna.

Kulipira zokha ndi njira yabwino yolipirira ngongole yanu pamwezi. Mukakhazikitsa, ndalama zanu zidzachotsedwa mwezi uliwonse kuchokera kuakaunti yanu yowerengera kapena yosungira patsiku lomwe mwasankha. Titha kukuthandizani kusamalira zolipirira zokha, kaya mumazikhazikitsa kapena kusintha zomwe zilipo kale. Momwe mungachitire izi:

Khalani ndi akaunti yanu yochezera ndi nambala yolowera panjira iyi. Mukalowetsa cheke kapena akaunti yanu yosungira kuti mulipire, idzasungidwa patsambalo. Simudzatha kulembetsa kapena kusintha zolipira zokha ngati akauntiyo yatha. Izi mwina sizipezeka ngati akauntiyo yachedwa.

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Kulumikiza maakaunti anu amacheki ndi ndalama kungachepetse kasamalidwe ka ndalama. Mwachitsanzo, mutha kusamutsa ndalama pakati pa maakaunti mwadzidzidzi kapena kukhazikitsa madipoziti okhazikika kuti mukulitse ndalama zanu pakapita nthawi.

Kulumikiza maakaunti aku banki kumapangitsa kuti malonda pakati pawo azichitika pakompyuta. Maakaunti aku banki amatha kulumikizidwa kubanki imodzi kapena mabungwe azachuma osiyanasiyana. Mwachitsanzo, kulumikiza maakaunti akubanki akunja ndi zomwe mungachite ngati mukutsegula akaunti yatsopano kubanki yapaintaneti.

Tiyerekeze kuti muli ndi cheke ku banki kwanuko ndipo mwaganiza zotsegula akaunti yosungira pa intaneti. Banki ikufuna kuti mupange ndalama zanu zoyambira pogwiritsa ntchito ACH electronic money transfer. Mutha kulumikiza akaunti yanu yochezera ku akaunti yanu yatsopano yosungira pa intaneti kuti mukonze zosungirako.

Kulumikiza maakaunti aku banki sikuwapangitsa kukhala akaunti yomweyo. Zimangothandizira kusamutsa ndalama kuchokera ku akaunti yamakono kupita ku akaunti yosungirako kapena mosiyana. Ndipo monga tafotokozera mu chitsanzo cha akaunti yosungira ndalama pa intaneti, nthawi zina zingakhale zofunikira kulumikiza akaunti yoyang'anira kuti muyike ndalama mu akaunti yosungira ndalama pa intaneti ngati simungathe kutero kunthambi kapena ATM.