Basics of How Checks Clear

Chii Chinoitika Paunonyora (kana Dhipatimendi) Check?

Tarisa kujekesa ndiyo nzira yekuendesa mari yekuzadzisa kubhadhara kwakaitwa cheki. Munhu anogamuchirwa anoendesa cheki kubhani ravo, uye bhangi inounganidza mari kubva kubhangi rekuongorora. Izvi zvinogona kuitika mukati kana munyori anoongorora uye mubhadharo vose vari kushandisa bhandi rimwechete. Kana zvisina kudaro, vatauriri vakaita semabhanki ehurumende kana Federal Reserve vanogona kubatsira nekutengesa.

Kana zvose zvikafamba zvakanaka, nzira yacho iri nyore, asi zvichienderana nemaonero ako, nguva inogona kuva dambudziko:

• Kana iwe wakagamuchira cheki, iwe unogona kunge uri kukurumidza kuti ujekese.
• Kana iwe wakanyora cheki, iwe unogona kunge uri kutarisira kwemazuva mashomanana kuti uuye nemari.

Logistically, bhenji rinogamuchira kana chikwereti chekambani (apo cheki yacho inowanikwa kana kuti yakasungwa) inotumira cheki pamapepa kana pamagetsi kubhangi iyo mari inoswededzwa, kana kuimba yekuchenesa iri pakati pemabhanki maviri. Kufunga kuti mari iripo uye hapana chinetso nechekuongorora, mari inoshandiswa.

Kuchenesa Checks Iwe Unyore

Inguva yakareba sei kutora cheki kuti uchenese mushure mekunyora iyo? Hapana mhinduro imwechete nokuti kasi inobva pane zvimwe zvinhu. Zvinowanzotora mazuva mashomanana kuti zvinyorwa zvaunyorera kuti urove account yako (kusvikira izvo zvaitika, cheki inonyanya kunge iUOU), asi iyo nguva inotsanangurira kubva mutemo wa Check 21 wakapiwa muna 2004.

Chero nguva yaunonyora cheki, zvakanakisisa kuita sekuti mari haisisiri mu-akhawunti yako.

Munguva yakapfuura, vanhu vakaita izvi nekunyora mabhizimisi ose mu check registers . Kuenzanisa mabhuku ako ekuongorora (kana ari pamapepa kana pamagetsi) achiri chiito chakanaka .

Iwe unogona kushandiswa kumirira kwemazuva mashoma (kana kureba) kuti uone mari yekusiya chaiyo yako. Munguva iyoyo, cheki inonzi "yakakosha," uye iwe unogona kushandisa mari pane chimwe chinhu (asi iwe unenge uri kushandisa iyo kaviri, kuita uori, uye uzvigadzirira kuti uwane mari yepamusoro).

Kushandisa mari imwechete kaviri paunenge uchimirira cheki kuti ubudise kunonzi " kushandisa zvakasvibirira, " uye zvinogona kutungamirira kumatambudziko akawanda .

Unotora nguva yakareba sei kuti uone kuti mari iri munhoroondo yako? Ichokwadi kuti haisi mvumo yepamutemo kunyora cheki yaunoziva haigone kujekesa, saka unamatira kukunyorera zvinyorwa kana une mari iripo . Mukuita, iwe unogona kunge uine mazuva mashomanana. Wakatumira tsamba yacho here, kana kuipa iyo kumutengesi kune mutengesi mukuru? Checkout registers kazhinji inouya yakashongedzwa ne check check scan iyo pakarepo inoshandura pepa rako chekuongorora mukati mekuongorora magetsi - uye iwe unogona kuva nechokwadi chokuti cheki ichaendeswa kubhangi rako nekukurumidza sezvinobvira (zvichida kunyange musi iwoyo).

Kunyange kana iwe ukapa cheki kune mumwe munhu (zvakadai seshamwari uri kuripira kana plumber iyo inoshanda kumba kwako), munhu iyeye angashandisa foni kuti aise cheki . Kune rumwe rutivi, pane nguva dzose mukana wekuti munhu kana bhizinesi achabvumira cheko kuunganidza guruva kwemavhiki mashomanana vasati vauisa kubhangi kuti vaise. Zvinosuruvarisa, hapana nzira yekuziva nayo chokwadi.

Kana iwe uchida mutemo wekutanga wegunwe, zvakanakisisa kufunga kuti mari ichasiya kero yako mazuva maviri mushure mekunge iwe uchibhadhara nekucheka, asi iyo nguva yakareba inogona kuchinja nyore nyore .

Kushandisa Checks You Receive

Kana iwe wakapiwa mubhadharo chekuongorora, iwe unogona kunge uine antsy kushandisa mari: iwe unogona kuutenga kuti uwane mari, kana iwe unogona kunge usina chokwadi kana iwe kana cheko chekuti chengetera ichatsika. Saka iwe unofanira kumirira kwenguva yakareba sei?

"Zviripo" hazvirevi kucheneswa: Kana mumwe munhu akakunyorera cheki, "yakanatsa" apo mari yacho yakatorwa kubva mubhuku rekuongorora chekunyora uye iwe unogona kuipedza. Zvisinei, hazvisi nguva dzose kana zvakajeka kana kana mari yasvika. Bhengi yako inowanzokubvumira kushandisa mari kubva pakachengetedzwa-uye kunyange kubvisa mari - isati yatorwa.

Asi iwe unotarisa chero chekuongorora kupi zvako kwaunoisa, saka iwe unofanirwa kubhadhara mari ipi zvayo yaunoshandisa kana cheko rinowedzera mushure mekunge watora mari.

Mutemo weGurumende (Mutemo weChishanu) unoda kuti mabhenji aite chikamu chemari yako yaunowana iwe mukati memazuva mashoma.

Pamusoro pezvinhu zvakawanda sekutsvaga pachedu, $ 200 yekutanga inowanikwa mukati mezuva rimwe bhizinesi (kana kwete pakarepo), uye zvasara zvichawanikwa mazuva mashomanana. Zvimwe zvinhu, zvakadai sehurumende-yakabudiswa cheki, cheki cashier , uye USPS mari yemitemo inobvumira mari yakawanda kuti ibudiswe nokukurumidza.

Bhengi yako yakasununguka kuva yakasununguka kupfuura mutemo inoda: bhangi rinogona kungofunga kuti chero cheko rakanaka uye rinokubvumira kubvisa mari yakazara pakarepo. Zvakanaka, zvakarurama? Asi kana cheki iyoyo ichitsvaga , iwe une dambudziko. Bhengi ichabvisa akaunti yako kutora mari, uye izvozvo zvinogona kutungamirira kumatambudziko akakomba.

Inguva yakareba sei iwe unofanira kumirira usati watora cheki yakabviswa? Hapana mhinduro yakagadziriswa, asi kuchenjera kuti uchengetedze nezvekuongorora iwe usina chokwadi nezvazvo. Ne checks yakanyorwa kubva kumabhandi makuru, iwe unowanzo (asi kwete nguva dzose) uone mumazuva mashomanana kana pane dambudziko. Kana kuongorora kunobva kune dzimwe nyika dzekumavirira, zvinhu zvinogona kutora nguva yakareba. Bheji yako yakanakisisa ndeyokutarisana nebhangi rako uye kuwana mhinduro yakasimba maererano nehutachiona cheko. Tsanangura zvaunofunga, uye bvunza kana iwe uri kutora chero njodzi chero ipi zvako kana ukashandisa mari. Kuti uwane mamwe mashoko, ona Kutora kwenguva yakareba sei shure kwekutsvaga Check .

Kuti uwane mari inowanikwa nokukurumidza sezvinobvira, ita kuti vaiswe: shandisa chekuvha chekuchengetedza kure kana iripo, uye chengetedza chekutanga kwezuva kuti uite nguva yakatarwa yezuva iroro. Bhengi yako inowanzokutaurira kuti mari yako ichaitirwa kwemazuva mashanu kana zvakadaro, asi muzviitiko zvakawanda, mari ichauya inowanikwa nokukurumidza. Kana izvi zvisina kukurumidza, edza kubvunza mutengi kana mutariri kana pane imwe nzira yekudzikinura mamwe emari iyo (izvi zvinogona kushanda kana iwe uri musikana akasimbiswa asina nhoroondo yekutadza kwakaipa munhoroondo).

Ngozi dze "Cleared" Checks

Kana uine kusava nechokwadi pamusoro pekuongorora "kubviswa", usashandisa mari yacho kusvikira wagutsikana kuti bhangi rako rakaunganidza mari inoda. Kumirira hakugoni kuitika, asi kugadzirisa nenyaya yakashata yakaenzana hakusi kufara kana.

Kufunga kuti cheki yakabviswa inokuvadza. Dzimwe nguva kukanganisa kwakatendeseka kunokonzera matambudziko, uye dzimwe nguva con artists vanoshandisa kusanzwisisana pamusoro pekuti checks dzinojekesa sei. Chirwere chinowanzobatana chinosanganisira kubhadhara mumwe munhu ane cheke (kunyanya chekiti yekasivha yakaipa kana kurongeka kwemari ) nekukumbira munhu anenge atambudzwa kuti adzorere chikwereti chakabhadhara kana kutumira mari kune "kutumira." Akabatwa anotumira mari isipo, uye pakupedzisira, bhenji inoona kuti cheki yakanga yakaipa. Zvinosuruvarisa, mabhangi haadziviriri vatengi mumamiriro ezvinhu aya - uyo anenge atambudzwa anokonzera chero kurasikirwa uye achada kudzorera kubhengi.