Bhengi Nomutengi Wako
Chii Chinonzi Cash Management Account?
Nhoroondo yekuchengetedza mari ndeyekambani yekubhadhara yakagadzirirwa kuchengetedza mari, kubhadhara, nekuwana chido.
Nhoroondo idzi dzinowanzoitika, asi kwete nguva dzose, dzakaparadzana kubva kunezvikwata zvekutsvaga mari pamafranker firms, asi iwe unogona kuzvibatanidza nyore nyore kune zvikwereti zvemari.
Ita zvishoma: Nhoroondo yekuchengetedza mari inokubvumira kushandisa imwe yemari yezvemari nokuda kwekuponesa nekutsvaga mari yako. Icho chinoreva chete chiratidzo-chekuti chengetedze, zvinyorwa zvishomanana uye mafomu emitero gore roga roga, uye nekutsvaga kuendeswa kune uye kubva kumabhengi ako ekutsvaga.
Shandisa mari yako: Nhoroondo dzakawanda dzinouya nebhadhidhi debit , bhuku rekuchechera, uye yepainternet pay pay services . Somugumisiro, vanopedza zvachose kudikanwa kwekuchengetedza kambani yekuongorora yakatsaurirwa.
Gamuchira kufarira: Nheyo dzekuchengetedza mari yeCash dzinotora chikwereti, kunyange iwe unogona kazhinji kuita zviri nani pamabhanki eIndaneti. Asi kana uchingoderedza mari isina mari uye usingashandisi nguva yakareba yekutsvaga kwenguva yakareba kwezvinangwa zvako zvekare, chikwata chekufarira chingasave chakakosha. Zviri nyore kuendesa mari kune account yekuchengetedza iri muIndaneti kana uchida kuwana zvakawanda.
Inofanira-Ive Nemaitiro
Nhoroondo dzakawanda dzekugadzirisa mari dzinopa zvinhu zvakadai sebhadha rebhadha rebhadhiro uye chekutsvaga chekuongorora. Asi mamwe makambani anoenda kumusoro nepamusoro ne stellar add-ons.
Kuputsika kweATM: Kana iwe uchitenderera zvakanyanya, tsvaga kambani yekugadzirisa mari nemabhadharo anopa ATM. Vamwe vanopa muganhu vanogadzirisa zvikwereti kuAmerica ATM kana mamwe masangano, asi vamwe vanobhadhara madzimai ose ane chokuita neATM pasi rese.
Kuwana nyore: Bvunza pamusoro pemari yepamwedzi uye zvishoma zvigadziro zvinoda kuzarura kambani. Kunze kwekuti iwe une makumi ezviuru zvemadhora, dzimwe dzimba dzekutengesa dzinenge dzisina mubvunzo-kana kuti dzichabhadhara mari yemwedzi.
Mobile deposit: Nhamba dzakawanda dzekambani yekugadzirisa mari inogamuchira mari yakakwana yemari yako uye Social Security mibayiro, asi iwe unogona dzimwe nguva unoda kuisa cheki. Kunyanya kana pasina dunhu rekugara, rinoiswa nemutambo wako wechipfuva zviri nyore . Kana zvisina kudaro, iwe uchada kuisa nemavhura.
Zvingabetsera zvinobatsira: Gara uchienda kune imwe nguva pane zviri kuitika munhoroondo yako. Kuti udzivise kusina zvikwereti kana kubhadhara cheki, shandisa maziso ekuudza iwe kana nhamba yako yepamusoro yakaderera. Dzivisa hunyengeri kuburikidza nekuwana nezvekurasikirwa kukuru pakarepo.
Kushamwaridzana kumabhengi ekunze: Zvichida unoda kuchengetedza mamwe mabhengi ebhangi akazaruka, uye zvakakosha kuti ugone kutamisa mari nyore nyore. Semuenzaniso, mari yakawandisa inogona kuenda kubhengi yebhangi iri kuIndaneti kuti uwane APY yakakwirira, uye iwe ungada bhadha yebhangi yemunharaunda yekushandisa mari nekuchengetedzwa kwebhokisi .
FDIC inshuwarisi: Vashandi vekambani yekambani yekutsvaga mari "vanopedza" mari yenyu isingashandisi muzvikwereti zvinobhadhara chikamu kana chido. Kana kuchengeteka kuchikosha kwamuri, tsvakurudza kana kana kwete avo vanopedza nhoroondo ndeye FDIC-yakavimbiswa.
Hurongwa huno hurumende-hunochengetedzwa hunokuchengetedza iwe kana bhanhire rakachengetedza mari yako richienda mudumbu-up.
Kwamuri Kuzarura Aunti
Kana nyaya yekutarisira mari ichikumbira iwe, shandisa kambani nekambani yekutengeserana yaunosarudza. Tanga nekukumbira masangano iwe watoishanda nawo-inofanira kunge iri nyore kuwedzera kambani itsva, uye ikozvino kubata nekambani iyoyo kunogona kukubatsira kuti ukwanise kuwana zvimwe zvinowanikwa.
Kana uri kutangira kubva pakutanga, Account Fidelity Cash Management Account inofanirwa kutarisa. Nhoroondo iyo inowanikwa pasina zvishoma zvishoma kubhadhara mari, uye hapana mimwe mitero yemwedzi-asi ine zvakawanda zvebhiza yepamusoro yepamusoro-net-worth-customers. Iwe uchawana zvikwereti pamhosva dzose dzeATM munyika yose (kunze kwekubhadhara mari kune dzimwe nyika), uye Kuvimbika kunosanganisira zvose zvinofanira kunge-zvine zvataurwa pamusoro apa. Sebhonasi, unogona kutora chikwereti kubva kubhuku rako uchishandisa Apple Pay, uye iwe unogonawo kushanda kune mubayiro wekadhi rechikwereti iro rinowedzera mari mumari yako yekugadzirisa mari.
Zvakadini Nebhangi?
Cash management accounts inoshandiswa mari yekushandisa mari. Kuti uchinzwisise kubudirira uye kuipa, zvingava zvinobatsira kuenzanisa mabhengi aya-seakaenzana kumabhengi akaenzana uye zvikwereti zvekwereti.
FDIC kugoverwa: Mabhangi anowanzovharira inshuwarisi yeDICIC kusvika ku $ 250,000 pamubhadhadha wega wega pamusangano. Mishandirapamwe yekodhidhi anoshandisa inshuwalisi yeNCUSIF , iyo yakachengeteka. Asi vatungamiri vemari vanogona kuparadzira zvinhu zvenyu mumabanki akawanda, kuwedzera kugovera kwako kuwanikwa (apo iwe unongova neshoko rimwe chete raunofanira kubata naro). Cherechedza kuti mari iri mubhuku rekweretheni haisi FDC-inopihwa-inogona kutora mazuva akawanda kuti mari yako ifukidzwe, asi SIPC inshumbisi inogona kuvhara kero yako yekutengesa.
Mamiriro ekumusha: Imba yakawanda yekubhadhara haina matavi emunharaunda. Kana vakadaro, mahofisi aya haasati agadzirwa nokuda kwepamusoro-gwaro rekuda mari. Zvichida zvakakosha kuchengeta kambani nebhenji rekuno kana chikwereti chekodzero yehutano hwemunhu.
Asset Minimum: Kunyange zvazvo mamwe makambani ekudhinda asina zvigaro, mamwe anoda zvinhu zvakakosha. Somuenzaniso, ungada $ 25,000 kuti utange kushandisa kushandisa mari. Mabhenji epaIndaneti anogara achizarura nhoroondo pasina huwandu huripo huri kudiwa .
Mari dzeATM: Mabhangi anozivikanwa nekubhadhara mari yeATM. Iwe unowanzobhadhara mari kumunhu weATM, uye bhenji yako inogona kubhadhara mari yakawedzerwa yekushandisa ATM "yekunze". Makambani ekubhadharisa mari anotora kana kuti azvidzivirire mari iyo kana kupa mukana wekutengesa mitero yakawanda -isina mitero .