Chii chinoitika kana bhangi richikundikana?
Chinhu chikuru chekuziva mubhengi kusakona ndechekuti mari yako inogona kunge yakachengeteka. Kana mari yako iine inshuwarisi ye FDIC, pamwe haufaniri kutya.
Chii chinokonzera kukanganisa kwebhangi?
Mabhangi anoenda pasi paanenge asisakwanisi kuita zvisungo zvavo.
Bhengi inogona kurasikirwa zvakanyanya pamari, kana bhangi ringakwanisa kupa mari apo depositors vachikumbira (ona pasi apa).
Pakupedzisira kukundikana kunoitika nokuti mabhanhire haangoratidzi mari yako muzvikwata. Paunenge uchifamba uye ukaisa mari (kana kuisa mari yemagetsi), bhangi inotengesa mari. Nzira iri nyore yekutsvaga mari iri kuita zvikwereti kune vamwe vashandi vebhangi kuitira kuti vagone kuwana mubereko - uye kukubhadharai kufarira pamari yako.
Mabhandiwo anopa mari mune zvakawanda zvakaoma. Kana bhizinesi rakatora kurasikirwa kukuru mune imwe nzvimbo, rinopera kukanganisa.
Chii chinoitika mubhengi kusina?
Mari zhinji yeUnited States ndiyo inofambiswa neCDC. Kana iwe usati uri kubhengi pane imwe nhengo yeDFIC inopindira, uri kutora ngozi yakawanda.
- Bhengi mune chikwereti chekwereti ? Hapana chinetso: NCUSIF ndiyo Credit Union Deposit Insurance
Apo mabhanki aya anokundikana, FDC inotora. Vanogona kutengesa bhangi kune imwe (yakasimba) bhangi, kana kuti vangashandisa bhangi kwechinguva sebhandi rehurumende.
Iyo FDC inodzivirira kuchengetedza kusvika ku $ 250,000, saka kuchengetedza kupfuura izvozvi kune rimwe bhengi rinogona kuisa mari yako pangozi. Zvisinei, zvinokwanisika kuva nemadhora anodarika $ 250,000 kune rimwe bhangi kana vanhu vanoverengeka kana masangano vane chido mumari. Semuenzaniso, mabhizimisi ekurega basa uye nhoroondo dzemhuri dzakasiyana dzinogona kuwedzera kudzivirirwa kwako.
Tora nguva yekunzwisisa miganhu yeDICIC kana iwe unodarika madhora 2500 000 pabhangi.
Customer Experience
Kune vatengi vakawanda, kubhadhara kwebhangi hakusi chiitiko. Makambani anoramba achishandisa cheki, mabhiridhi debit , uye magetsi ekufambisa mirayiridzo yavakashandisa bhanhire risati rapera. Pane imwe nguva, vatengi vangazopedzisira vawana cheki itsva uye makadhi.
Timeframes
I FDC haina kubudisa nguva yakatarwa yekugadzirisa kukanganisa kwebhangi. Vanocherechedza kuti kare kare vakaita mari iripo mukati mezuva rimwe remabhizimisi. Vanoedza kuvhara mabhangi pasi musi weChishanu uye kudzokera ku "bhizinesi sekugara" neMuvhuro mangwanani. Zvisinei, mamiriro ezvinhu ane kubhadhara kwebhangi rakapiwa kana neakaunti yako anogona kuderedza dambudziko racho.
Dhiyabhorosi yekutanga kusarudza kugadzira bhangi idzva rekushanda kusina basa kusvikira iyo yekutengesa iyo kune rimwe bhangi. Mune zvimwe zviitiko, sarudzo iyi haisi kuwanika uye vanokucheka cheki chekuchengetedza mari yako.
Bank Runs uye Bank Kusakundikana
Mushure mokukundikana kwebhangi kunziviswa, pane chikonzero chiduku chekuita kumhanho kana zvinhu zvako zvikatsiga. Kana FDC ichitotora, mari yako haisati yakachengetwa nebhangi risina simba uye rakakundikana. Kana iwe uchida kubhadhara mari yako uye kushandisa bhaganisi yakasiyana , iwe unogona kunyora cheki kana kutumira mari yako pakombiyuta kubhengi idzva .
Kana FDC isati yawana bhendi inotsiva, iwe haungakwanisi kuwana mari yako uye unofanira kutarisira cheki kubva ku FDIC. Mune zvimwe zviitiko, hapana chaunogona kuita mushure mekushaya kwebhangi kunoziviswa kuchinja kuti mari yakawanda-kana ipo-iwe ucharasikirwa.
Uninsured Deposits
Kana iwe usina uninsured paunenge uri kuDFIC inshurenzi, unogona kuva nechinetso. IWDIC inowanzoita mari yekuchengetedzeka inowanikwa pakarepo mushure mekushaya kwebhangi. Uninsured deposit may not be available for years. I FDC inofanira kutengesa chivako nemari yayo uye kuona kuti mari yakawanda sei (kana yakasara) inosara kugovera kuvakweretesi.
Akaparadza Mabhangi
Dzimwe nguva matavi emabhanki anoparadzwa semagumisiro enjodzi kana hugandanga. Kuparadzwa kwepanyama kwakasiyana nebhanhire kukundikana. Zvakare, kana nhoroondo dzako dziri inshumo chiitiko chacho chinowanzova chisingaiti - kwete chimwe chinhu chichakuparadza zvachose.
Kudzivisa Bhizinesi Kukundikana
Zvakaoma kuziva kuti mabhengi achakundikana. I FDC haitauri mabhenji anotora nguva mberi. Nzira yakanakisisa yekuita ndeyekuita nechokwadi chekuti uri kuchengeta mitemo ye FDIC uye usingatori chero njodzi.
Dzimwe mazano ezvebhengi zvinogona kukubatsira kuti urege kupera kwebhangi. Aya maitirwo anotarisa mabhanhire 'simba, mabhizimisi maitiro, uye kusvikirwa nezviitiko zvakasiyana-siyana. Zvisinei, zvimwe zvikwereti zvebhangi zvinobuda pasina uye hazvigone kutaurirwa nekunze.