ACH - Automated Clearing House

Tsanangudzo uye Nhoroondo yeACH

ACH inomirira Automated Clearing House network. Kana iwe wakafanana nevanhu vazhinji, izvi zvinopfuura iwe unofanirwa kuziva - chinhu chinokosha kuti unzwisise ndechokuti ACH inotaura nezvebhadharo yemagetsi . Kana waunoshandira akakubhadhara nemari yakananga , iwe unobhadhara zvikwereti zvako zvemagetsi , kana cheki inoshandurwa ku e-check , ACH iri kushanda.

Kana iwe uchida kuziva kunzwisisa kana iwe usingafaniri kushandisa michina yekugadzirisa mari, sora pamusoro pezvakakosha pano (kana tamba uchikurukura kuti sei mabhizimisi anoshandisa ACH , uye kuti inoita kuti upenyu huve nyore sei kune vamwe ).

Kana iwe uchifarira mune dzimwe nuts uye mabheti emitambo iyi, verenga.

Makombiyuta anotaura

Icho chirongwa cheACH ishungetedzo yemakombiyuta inotaurirana pamwe chete kuitira kuti zvikwereti zviitike. Chaizvoizvo, une ma sekombiyuta maviri ekubhadharwa kwega-imwe inogadzira chikumbiro, uye chimwe chinogutsa chikumbiro (uchifunga kuti zvose zvinoenda zvakanaka, izvo zvinowanzoita).

Kushandisa zvakananga deposit somuenzaniso, mushandirwi (kuburikidza nebhangi revanoshandira) anogadzira chikumbiro chekutumira mari kumabhizimisi evashandi. Mushandi anozivikanwa seMutangi, uye bhenji yevanoshandira ndiyo Originating Depository Financial Institution (ODFI). Chikumbiro ichocho chinoenda kune ACH Operator, iyo inzvimbo yekuchenesa iyo inowana zvikumbiro zvakawanda mukati mezuva, uye iyo nzira inokumbira kuenda kwairi kuenda.

Iko kugamuchira mari yemari ndeye Receiving Depository Financial Institution (RDFI), iyo ichagadzirisa nhoroondo yevashandi vekupedzisira - uye mushandi anogamuchira mubhadharo munyaya ino - uyo anozivikanwa seReceiver.

Mhando dzeMatambudziko

ICH zviitiko zvinouya nenzira mbiri:

• Kutumira mari inoshandiswa kune chikwereti, zvakadai semaripo inobva kumushandi wako kana Social Security inobhadharwa yakabhadharwa mukati mekutarisa kwako
• Mitsara yakananga zvikumbiro zvekusvitsa mari kubva ku-akhawunti, iyo inogona kuitika kana iwe uchibhadhara mabhizimusi ako uchishanda kubva kuongororo yako yekuongorora

Kutengesa (ikozvino) hazviitiki munguva chaiyo-nguva. Pane kudaro, "batch processing" inoshandiswa kuitira kuti zuva rose rakakosha zvikumbiro zvinotumirwa zvose kamwechete. Somugumisiro, iwe haubhadharwi kubhadharwa mushure mekunge waunoshandira achibvumira kubhadhara. Pane kudaro, mutengesi unotora rimwe kana maviri mazuva ebhizimisi kuti uende kuburikidza nehurongwa. Pane zvirongwa zvokukurumidza kukwidza zvikwereti zveACH, uye pane zvikonzero zvose zvekutenda zvikwereti zvezuva rimwechete zvichave zvechokwadi rimwe zuva.

Kubatsirwa kweACH Network

Sei uchishandisa makombiyuta kutarisa mari? Zuva roga roga mari inoshandiswa yakaitwa. Munguva yakapfuura, zvikwereti izvozvo zvaiwanzoitwa necheki, uye mapepa akacheka ane zvikanganiso zvakawanda:

• Zvinotora nguva kuti vafambe nemavhura
• Vanogona kurasikirwa kana kubiwa mukufambisa
• Zvikanganiso zvinogona kuitika kana uchinyora cheki uye kana uchiverenga cheki
• Cheki chekufu inoshandurwa nyore nyore
• Kuchengeta zvikwereti zvawakaita ne cheki zvakakosha
• Hazvisi nyore kuti tongorore cheko

NeACH network, kutengeserana kunofambisa nepurogiramu kwemazuva maviri kana maviri ebhizinesi. Inogona kugadzirirwa kamwechete, uye kudzokorora mwedzi mushure memwedzi. Izvozvo zvinoreva kuti pane mukana muduku wekupinda kwepasita, uye zvechokwadi hapana cheko yekurasikirwa mune tsamba. Hapana munhu anofanira kubhadhara mari yekubhadhara (kunyange zvazvo maACH aine mari yakawanda kupfuura zvese, inotengeswa zvikuru - kazhinji pasi pechitima chemasitendi).

Vashandi vanobhadharwa nezvikwereti zveACH nekuti vanogona kutora mari kana vakasarudza kuita saizvozvo. Panzvimbo yekupedza nguva kubhadhara zvikwereti mwedzi woga woga, unogona kungoongorora zvekutengeserana munhoroondo yako. Kana pane kukanganisa, mutemo wezvematongerwo enyika unodzivirira iwe chero bedzi iwe uchiita nekukurumidza . Zvose zvinotengeswa zvinowanika nyore paIndaneti, uye zvinogona kutumirwa kune chero upi zvake wehupfumi hwekugadzira software iwe unofarira.