Cashier Checks: Maitiro Avanoita, Mari, Chekuchengetedza

Mawaniro Aungaita Kuongorora KweCashier uye Nei Unoda Mumwe

Chengesi yeCashier inotarisa kuti mabhizinesi ehurumende uye zvivimbiso. Bhengi yako kana chikwereti chekwereti chinonyora rugwaro nezita remubatsiri (kana payee) nemari, uye mupiro anoshandisa dhidhiyo iyi kuti atore mari kubva kubhangi rako. Kana ichienzaniswa neongororo yega, chekuchengeti chekuchengetedza ndiyo nzira yakachengeteka yokubhadhara kune vatengesi nokuti cheki haigoni kuisa.

Chikonzero Nei Uchida Check Cashier's

Pasinei nedzimwe nzira dzemazuva ano, chekuchengeti checashier ichiri kuzivikanwa nekuda kwekubhadhara kukuru.

Kufunga kuti cheki yacho yakarurama (zvimwe pamusoro peiyo pasi apa), cheki cashier ndeimwe nzira dzakachengeteka dzekugamuchira kubhadhara. Zvinowanzodiwa kana mutengesi achida chokwadi, uye hazvina mari.

Mari inogadziriswa : Kana bhengi ikashandura chekoni, bhangi inotora mari kumunhu anenge achikumbira chekiti (kana kuti kubva kubhuku ravo) uye anoisa mari iyo. Somugumisiro, bhanhire rinogona kuvimbisa kuti cheki ichajekesa. Izvi zvinopa kuchengeteka kumubatsiri, ndiani ari kutengesa chimwe chinhu. Nekocheche yega, kune rumwe rutivi, cheki ichajekesa chete kana mari iripo mukodha yemunyori wekutarisa apo mupiro akaedza kuisa kana kutenga mari yekuongorora.

Kukurumidza kuwanika: Mushure mokuisa chekuvhara, chekugamuchira kana mutengesi anogona kushandisa mari yacho pakarepo. Rokutanga $ 5,000 inowanzofanira kuwanikwa mukati mezuva rimwe bhizinesi (richienzaniswa ne $ 200 yekutanga yekutarisa pachedu).

Mabhangi anobvumirwa kubhadhara mari inopfuura $ 5,000 , asi chekeri cashier inowanzovhara zvakanyanya zvakanyanya kudarika zvitsva zvevanhu.

Nzira Yokuwana Cashier's Check

Raira chechi cashier kubva kubhangi rako kana chikwereti chekambani.

Kumbira chituko: Kumbira bhangi rako maererano nezvinodiwa kuti utange cheki. Iwe unogona kunge uchida mari inowanika mu-akhawunti yako, kana iwe uchada kuunza mari kubhangi.

• Mune munhu: Unogona kufamba mumabhangi akawanda ezvitini uye-matenga kuti uwane cheki yakabudiswa. Maminitsi mashomanana, iwe unofanira kuva necheki riri muruoko, uye iwe unogona kubhadhara mupikiriyo pakarepo.
• Inhare: Dzimwe mabhengi-kunyanya mabhinisi epaIndaneti-anokubvumira kukumbira chekuchengeti checheki paIndaneti. Bhangi ringangotumira mameseki kuchengeti yako yakasimbiswa yekuendesa, saka unoda kumirira cheko uye wozoendesa kune iyo yekupedzisira payee.

Iva akagadzirira: Bhangi rako rinoda zvinyorwa zvakawanda kuti ibvise cheki.

1. Chengetedza chiyero: Unofanirwa kutaurira bhangi kunyatsoongorora cheko. Izvi zvichadhindwa pane cheki uye hazvigone kuchinjwa.
2. Payee: Ipa zita remutengi (munhu kana bhizimisi cheko rinofanira kubhadhara ).
3. Mamwe mashoko: Unogona kuwedzera "memo" kana manotsi pane chekuongorora. Somuenzaniso, unogona kusanganisira nhoroondo kana nhamba yekuverengera.
4. Chiratidzo: Kana ukashanyira bazi rebhangi mumunhu, tumira chiziviso chakanaka (cheisheni yekutyaira, pasipoti, kana imwe hurumende yakabudiswa).
5. Mitero: Tarisira kubhadhara mari shoma kune chekuchechechedza. Mabhandi nemakambani emakwereti anowanzobhadhara madhora mazana matanhatu kana chetero nehoke. Kuti uvhare mari iyo, iwe unoda mari yakawedzerwa mumari, kana kuti inowanikwa munhoroondo yako.

Kana uri kuripa mubhadharo kunze kwekodha yako, mari yacho ichabviswa kubva pakero yako pakarepo kana cheki ichidhindwa.

Zvakare, chekuchengeti chekashandisi inzira yemari yakachengetedzwa, saka mari yako inotamira kune yebhangi yebhangi kusvikira cheko inotorwa kana kuiswa.

Chikwereti chebato rehurumende: Kana ukashandisa chikwereti chebato, iwe unowanzowana chekuchengeti chekeri kubva kune chero chikwereti chekubatanidza chikwereti (kwete iwe pachako chikwereti chekubatana) pamwe nehuwandu hwebato . Uya neDzisi uye ruzivo pamusoro pe "imba" yako yechikwata chekoni. Dana mberi kuti uve nechokwadi chokuti chikwereti chenyeredzeri chaunoronga kuzoshanyira chinopa chekuchengetedza cheki.

Kana iwe usina mari yebhangi : Unogona kupinda mune rimwe bhengi kana chikwereti chebato uye unokumbira chekoni yekodhi. Zvisinei, dzimwe hurumende dzinongobvunzurudza vatengi, saka unogona kuedza nzvimbo dzakasiyana-siyana (kana kuzarura aunti). Iwe unogona zvakare kuedza mari yekurarama pane.

Chekuchechechecheche chekeri dzimwe nguva inonzi mabhidhaji .

Ko Cashier Checks Yakachengeteka here?

Kana zvikodzero, mabhizinesi-akabudiswa zvinyorwa, cheki cashier zvinyatsochengeteka.

Nenzira, vatengesi vanoona vaya vanoongorora nekutenda nokuti bhangi inopikira kubhadhara-kwete chete munhu anokupa cheki. Asi chiziviso ichocho chakachengetedzwa chinobvumira con artists kubira mari.

Cashier's Check Scams

Zvinosuruvarisa, haasi cheki cashier yese yakakodzera. Dzinogara dzichishandiswa mukushungurudzwa nokuti vatengesi vanofunga kuti vane zana muzana vanochengeteka. Chimiro chinowanzosanganisira:

1. Mumwe munhu anokutumira cheki yekasi.
2. Chimwe chinhu chisingaitiki chinoitika (ivo vanotumira zvakawanda, vanotumira zvimwe kutumira, kana "zvirongwa zvavo zvinoshanduka").
3. Vanokukumbira kuti utumire mari kwavari, kana kune mumwewo munhu.
4. Bhengi yako inofunga kuti cheketi inoshanda uye inokubvumira kubvisa mari.
5. Iko chekupedzisira rinouya zvakare sezvakaipa.
6. Bhengu yako inodzosera mari yacho, uye iwe unokwereta bhadha yako mari.

Mushure mokunge mutumira mari kumbavha, iwe hauna kutora kunze kwekuedza nekuwana munhu iwe pachako-izvo zvisiri nyore. Kuti uwane mashoko akazara, verenga Sei Cashier's Check Fraud Works .

Somugumisiro wezvinokanganisa izvi, mamwe mabhangi anoramba kushandiswa chekoti checashier's checks. Mitemo yehurumende inobvumira mabhenji kuti aise mari inopfuura $ 5,000, uye mabhanhire anoramba kurumbidza cheki zvachose kana pane chikonzero chipi zvacho chekutenda kuti chakaipa. Mabhanji angaramba zvakare chekuchengeti checheki kupfuura mazuva makumi mapfumbamwe apfuura .

Kuenzanisa neZvo Che Checks

Paunonyora cheki yako, iwe unofanirwa kuva nemari yakakwana muakaunti yako kuti uvhare cheki. Asi (kunze kwekuti hazvisi pamutemo) hapana chinoita kuti iwe usanyora cheki pasina mari iripo. Iwe unogona kuziva kuti cheki yako ichave iri mutsamba kwemazuva mashomanana, kuti inotora mupiriri wezuva kana maviri kuti aise cheki, uye kuti kugadzirisa dhipiti kunotora mamwe mazuva mashoma. Nokudaro, nhoroondo yako haigoni kubhadharwa kwemazuva mashomanana ebhizimisi mushure mekunyora cheki.

Kana iwe usina mari iripo nhasi, unogona kugara uchitarisira kuti vachavepo kana zvichinyanya kukosha-kana cheko ichiendeswa kubhangi yako kubhadhara. Saka, iwe unogona kunyora cheki zvachose, uye iwe unogona kunge uchifamba nekutengesa mumaoko ako. Chiito ichocho chinonzi chekucheka . Kana zvinonzwika zvisina kutenderwa, ndizvo zvazviri.

Kusiyana neongororo yega, chekoni ye cashier inotora kubva ku-akhawunti yako apo bhangi rinotarisa cheki. Somugumisiro, haugone kuwana chekuchengeti chekodhi kunze kwekuti iwe une mari yakakwana munhoroondo kana iwe unounza mari kubhangi. Kana bhengi rikashandura cheki, bhangi inova nemhosva yekubhadhara chikwereti, uye zvakaoma kubvisa cheki .

Sezvo mutengesi, iwe unofanirwa kuwana chii-cheketi yekasi kana chekuongorora iwe pachako? Zvechokwadi, matanho ako ekubhadharwa ari nani nechechi chekodhi yakakodzera.

Mirairo yeMari vs. Cashier's Checks

Mirairo yemari yakafanana nechekuchengeti checheki. Zvinonzi "dzakachengeteka" maitiro ekubhadhara nokuti unogona chete kuzvitenga nemari (kana mari-semidziyo yakadai sedhidhi rebhengi kana kuti mari inotangira mberi kadhi rechikwereti). Somugumisiro, havakwanise (kana kudzorerwa asina kubhadharwa) semacheki ega.

Asi mirairo yemari inobva kune dzakasiyana-siyana. Mukuwedzera kumabhangi uye zvikwereti zvemari, iwe unogonawo kutenga mari yemirairo pamahofisi emahofisi, mabhizimisi ezvitoro, uye mabhizimusi ekutsvaga mari. Mitemo yemari inouya nehurukuro yakakura, saka inogona kunge isingabatsiri mari inokosha, sekutenga pamba, asi inogona kudhura zvishoma kudhura maduku. Kuti uwane mamwe mashoko, verenga pamusoro pekusiyana pakati pemitemo yemari uye cheki cashier .

Uncertain Payee

Panogona kunge pane dzimwe nguva iwe usingazivi kuti ndiani angatora chekoni yemari inobhadharwa. Mune zviitiko izvi, unogona kutora zvimwe zvisikwa kana kushivirira. Hazvigoneki kuti bhizinesi ichabudisa chekoni chekubhadhara nemutengo wezita rakasara risina chinhu, uye zvakafanana kune kuwana cheki yakabhadharwa ne "Cash." Kamwe kana chekoni yekasi inobviswa, bhangi inotarisirwa, uye mabanki mazhinji haadi kubudisa pasina cheki cheki.

Mishandiso Inowanzoenderana neCashier Checks

Nokuda kwekuchengeteka kwavo kwakakwana, chekuchengeti checashier inowanzoshandiswa kudhura kwema-dollar uye kubhadhara pakati pevanhu (kana mabhizinesi) vasingazivi mumwe nomumwe. Panzvimbo pokufunga kuti mutengi wako ane mari inowanika muchengeti rekuongorora , iwe unogona kuva nechivimbo chekuti bhangi rine mari yakakwana kuti ubhadhere zvaunoda.

Cashier uyewo basa rekutengesa uko mari inoda kugadzirisa nokukurumidza.

Kana iwe ukaisa cheki, unogona kuona mari mubhuku rako, asi iwe haugoni kubvisa mari iyo yose kusvikira bhenekari "yachenesa" dhipiti. Nekuongorora kwako pachako, izvo zvingatora mavhiki akawanda, asi nechekuchengeti checashier uye hurumende-yakabudiswa, mari yacho inowanzowanika mukati mezuva rimwe remabhizimisi.

Mune imwe nzvimbo yekutengeserana kwemahombekombe, hapana munhu anoda kumirira kugadziriswa pane cheki chega. Zvakare, inokosha yemari-saka kubhadhara pasi kunowanzoitwa necheki yekasi kana kutengesa firi . Saizvozvowo, makambani ekubhadhara mari angada mari yekugadzirisa zvimwe zvekutengeserana, uye chekoni checashier inogona kushandiswa kugutsa chido ichocho.