Dzidza Kuti Mabhiikopo Anoshandiswa neBhangi Anoshanda Sei: Zvokubhadhara Zvakachengeteka

A Check That Do Not Bounce

Bhengi rakagadzirwa ndiro cheki rinotorwa pamari yebhangi uye inoratidzwa nebhangi rinoritora. Saizvozvowo kune chekoni yekasi , bhandi rakachengetedzwa rakachengeteka pane chekuongorora chega kana uchibvuma mari huru. Kuti uwane bhengi rakanyorwa, bhadha wekambani anofanira kunge ane mari (kana mari) iripo. Bhengi ichakanda mari yakadikanwa kana kuendesa mari iyo mubhanga rebhangi kusvikira kubhadhara kwapera.

Zvimwe zvinoreva: Izwi rokuti bank bank rakashandiswa kune dzimwe mamiriro ezvinhu, uye rinoshandiswa richisiyana kubva kunyika kuenda kunyika.

Somuenzaniso, kubhadhara mari yezvemagetsi inoendesa mari zvakananga kubva kubhangi yebhangi kuenda kumushandi webasa (zvakadai sedhizimusi yevashandi vekushandisa magetsi kana mutengesi wekutsvaga) inonziwo mahofisi. Tora pasi pasi kuti uongorore rudzi rwakadaro.

Basic Bank Drafts

Bhidhiyo bhengi rakagadzirwa ndiro chinhu chinobatsira kana kuchengetedzwa kunokosha.

Zviyero zvakakura: Pamusoro pekutengesa kwema-dollar, migumisiro yekudzoka kana kubhadhara cheki inokosha. Zvinotyisa kutumira zvinhu zvinodhura kana kupedzisa chibvumirano kana pane kusava nechokwadi kwekubhadhara. Bhengi rakagadzirwa nehutano hwakavimbiswa hwekubhadhara iyo inoita kuti kubhadhara zvive nyore kuti zvibudirire uye zvakavimbika.

Mari inowanikwa: Chengetedza chekutsvaga inogona kutora mazuva mazhinji emabhizimisi kuti uende kuburikidza nebhangi yebhengi. Kugamuchira cheki hakureve kuti iwe uchawana mari kana kuti iwe unogona kubvisa mari pakarepo.

Mabhidhiro eBhangi anowanzowanika mubhuku raakagamuchira mukati mezuva rimwe bhizinesi, uye hazvigoneki kuti bhangi ichadzorera iyo dhomwe mazuva mashomanana kana masvondo gare gare.

Somugumisiro, mabhandi emabhangi anozivikanwa nezvinhu zvakadai sekutengeserana kwenyika dzakawanda kana kutenga imba.

Izwi rokuti " cashier's check " dzimwe nguva rinoshandiswa panzvimbo yebhangi rakagadzirwa, kunyanya muUnited States. Cheketi ye cashier yakafanana nebhangi rakagadzirwa: Icho cheki chinodhindwa uye chakachengetedzwa nebhangi-mushure mekunge bhengi inogamuchira mari kubva padhedhi (munhu anoda kubhadhara).

Mabhandi anogona kugadzirisa mabhidha emabhangi nokuti mutengi ato "abhadhara."

Enzanisa neCheche Checks

Kuti unzwisise zvinhu zvebhangi rakagadzirwa, zvinobatsira kuenzanisa uye kusiyanisa nemunhu oga uye bhizimisi chekuongorora.

Kana munhu kana bhizinesi akanyora cheki, havangodaro mari inowanikwa mubhuku ravo-vanogona kunyora cheki chero chavanenge vachida, uye mupiki haagoni kuva nechokwadi kana cheki yacho ichatsika kana kwete. Zvechokwadi, kune mimwe mibairo yekupfuura yakaipa cheki , asi kuongorora kunowedzera nguva dzose. Dzimwe nguva iko kukanganisa kwakatendeseka, uye hakuna munhu ari kuedza kunyengera chero munhu-zviri nyore kukanganwa pamusoro pezvimwe zvinotengeswa zvinodhonza account.

Nebhengi rakashandurwa, mari yacho inotamirwa kubva kubhengi yebhadhari kuenda kubhengi mabhuku pakarepo apo bhangi rinotora zvinyorwa. Mune mamwe mazwi, munhu kana sangano kubhadhara nebhangi rakagadzirwa haigoni kunyange kuwana bhengi rakagadzirwa kunze kwekuti vane mari inoda. Hapana nzira yavangashandisa nayo mari iyo usati waisa bhangi rakagadzirwa-nokuti bhengi yatotora mari yacho kubva mubhuku ravo.

Panzvimbo pokuvimba nomunhu wese anonyora cheki, iwe unogona kuvimba nebhangi kuti uchengetedze kubhadhara. Uye mabheji angave ane zvinhu zvinokosha uye nzira dzakasimba munzvimbo inoita zvakanaka pane cheki.

Kana bhizinesi richizobuda kunze kwebhizimisi, haungabhadharwi, asi iyo ngozi inenge ishoma .

Iko Bhuku Rekubhadhara Rinosachengeteka Here?

Kana mumwe munhu akakubhadhara nebhadhi rakagadzirwa, haugoni kufunga kuti iwe uchawana mari. Zvipfeko zvinogara zvichishandisa cheki chekucheka chekuvhara kuti vashandise varwere.

Iwe unogona kutenda kuti uri kubhadhara nemari yakacheneswa, asi iwe unofanirwa kugara uchitarisa nebhangi rako uye uone kuti cheki yacho yakakodzera usati washandisa mari kana kutengesa chimwe chinhu chinokosha. Iwe unogona kutora danho rinopfuurira uye unoongorora mari nebhadhibha rinobudisa mari usati waisa zvinhu zvekutengesa kana kuisa bhandi rebhangi.

Iva kunyanya kunetseka kune ani zvake anokwereta uye anokukumbira kuti utumire mari zvakare-iyo iyo mutsara mukuru mutsvuku unoratidza kuti unobata nembavha.

• Kuti uwane mamwe mashoko uye mienzaniso, ona Kuti Cashier's Check Fraud Works Inoshanda Sei .
• Tsvaga Kuti Inguva Yakadini Yokumirira Mushure mekudzora Cheki usati washandisa mari.

Kuti uise kana kutenga mari yebhangi yakarongwa , iite seimwe chero chekuongorora. Tora iyo kubhangi rako kana chikwereti chekunyora uye ugamuchire mberi kwebhuku racho . Bhengi yako inokweretesa mari kuakaunti yako nekukurumidza kana iwe ukaisa mari yako kune mushandi webhangi, kusiyana nekumishandisa ATM kana chipfoni kuti uise . Kunyanya, iwe unogona kukwanisa kuwana (kana zvose) yemari yacho mumari pakarepo.

Mawaniro Aungaita Bhidhiyo Draft

Kuti uwane bhadha rakagadziriswa, bvunza bhanki rako kana chikwereti mari kune imwe. MuUnited States iwe unowanzowana "cheki chechikwereti," asi dzimwe nyika dzinoshandisa izwi rokuti "bhengi rakagadzirwa". Iwe unogona kufamba mubazi uye unowana mumwe kubva kumudzidzisi, uye iwe unogona kukwanisa kugovera zvinyorwa paIndaneti. Mikana yako yakanakisisa kana iwe uchipfuura nebhangi iwe iye zvino unayo kambani ne: Mahofisi akawanda anongopa iyi basa kune vatengi.

Kunze uye pamusoro? Kana uri kure nemusha kana iwe usina bhangi yebhangi , iwe unogona kugara uchiedza kupinda mune rimwe bhangi rebazi uye uchikumbira. Iwe uchada kubhadhara chikwereti chakakwana che cheko (pamwe nemari) nemari kana kadi yebhadhiro mari inotangira . Zvimwewo, iwe unogona kuedza kubhadhara yako nemari , iyo inofanira kuwanika pane dzakawanda zvekutengesa uye nzvimbo dzekutengesa. Zvisinei, mari yekurapa inogona kunge isiri nzira yekubhadhara, saka bvunza mubatsiri kutanga.

Chikwereti kubatana: Kana ukashandisa chikwereti chebato, iwe unogona kuwana chekushandira chepamutemo kubva kune rimwe bhizimusi rebato rekoni (paunenge uchiwana account yako kumba kwako chikwereti chekoni). Zviuru zvezvikwereti zvinotora zvikwata zvinobatanidzwa muchikwata chakagoverwa . Iva nechokwadi chekuunza idhi newe, uye tarisira kubhadhara mari shoma (inowanzokomberedza madhora gumi).

Automatic Payments

Izwi rebhangi rakashandiswa rinogonawo kutaura nezvekubhadhara kwemagetsi ehurumende. Iyi mitero inobvumira mabhizinesi nevatsigiri vebasa kuti vashandise mari zvakananga kunze kwevatengi vanoongorora mabhuku. Panzvimbo yekunyora cheki kana kubhadhara nebhadhiro uye makadhi emakadhi, vatengi vanopa ruzivo rwebhangi yebhangi ( nhoroondo uye nhamba dzekufambisa , kunyanya) kune bhizinesi kugadzira zvinyorwa zvokubhadhara.

Izvi zvinowanzoitika kuburikidza neInternational Clearing House (ACH) network, uye vanoita kuti zvive nyore kune vatengi kuti vaite zvekare (kana imwe nguva nguva). Machenda anobatsirwa nokuti haafaniri kunyora cheki kana kuisa muchengeti yemari yekwereti mwedzi wose. Mabhizimisi anokunda nokuti haafaniri kuisa cheki, kumirira mari kuti ibvise, kana kubhadhara kushandiswa kwemari yekadhi mari.

Mabhizimusi anogona kutanga kupa kubhadhara nebhangi rakagadzirwa nokugadzira kambani yevatengesi kana kubatanidzwa nekokubhadhara mari inogamuchira zvipo zveACH. Izvo zvikwereti zvinowanzodhura kune vatengesi kudarika chikwereti chekweretheni (zvishoma semasendi mashomanana ega ega), uye zvishoma zvisingakwanisi kutengesa mari .