Kangani iwe unoshanyira bhangi rebazi rako? Kana iwe wakafanana nevanhu vazhinji mazuva ano, mhinduro yacho haisi kazhinji. American Banker, bhuku rinoitirwa mabhizinesi emabasa emabhizimisi, munguva ichangopfuura yakarondedzera kuti 92 muzana yeMillennials, ikozvino iri guru revanhu veUnited States, vanosarudza bhangi ravo kubva pane zvipiriso zve digital. Makumi makumi matanhatu nesere kubva muzana vanoshandisa mabhizimusi ekuIndaneti kuti vawane mari yavo. Nekuvimba kwakadaro kwakanyanya pawebhu kuti uchengetedze mari, hazvishamisi kuti mabhizinesi-ari oga ari kukura mukuzivikanwa.
Pane zvakawanda zvisarudzo zvakawanda zvebhengi nhasi, naizvozvo takanyora pasi pakarongwa kune mabhizimusi ari pamusoro pepamusoro anogona kunge akakodzera mari yako.
01 Best Overall Checking Online: Capital One 360
Kukunda kwekutsvaga kwekutsvaga kwekutsvaga muInternet nhasi ndiyo Capital One's 360 Checking, iyo inopa zvinhu zvakanyanya uye pasina mari. Hapana kune mitezo inodzokorodzwa pamwedzi, pasina mari yekugadzirisa uye iwe unogona kuzarura kambani pasina huwandu hushoma. Kunyangwe bhuku rako rekutanga cheke rakasununguka, sezvinoita mari yako uye kadhi yemadhipa. Capital One 360 inopa 39,000 maATM asingabhadharwi munyika yose kuburikidza neNet AllPoint ATM.
Kuwedzera kune yakaderera mari yakarongeka uye kushandiswa kwema ATM kusununguka, unowana zvose zvaunotarisira kubva kubhengi rekutsvaga, kusanganisira kubhadhara mari, kushandiswa kwemafoni kushamba uye zvimwe zvingasarudzwa zvekubhadhara zvinokupa kushanduka kwekusarudza kuva nekutengesa zvakaderera, kutora kubva kambani yekuchengetedza kana mutsara-wekwereti kana kubhadhara mutengesi nemusi wezuva rimwe remutsa kusati kwasvika mari yefridhift.
02 Best Online Checking for Easy Transfer: Ally Bank
Ally inopa kukwikwidzana nemitengo yezvikwereti, ruzivo rwemaIndaneti uye rwemafoni, pamwe chete nezvose zvaunogona kutarisira kubva kubhangi rekuInternet. Asi imwe nzvimbo apo Ally amire kunze ndeyekutsvaga kwekutsvaga paIndaneti.
Vanhu vane vana, vanoita zvehupenyu hwehupenyu kana mari yakaoma vanoziva nekuendesa kune dzimwe maakaiti. Asi mamwe mabhangi anoita izvi zvakaoma kupfuura izvo zvinofanira kuve, uye munhu wese haashandisi mari yekufambisa mari yakadai seVenmo kana Square Cash. Ally ine yega inotenderera yehurumende iyo inoshanda zvakanaka, uye inhengo yeZelle network inopa kune rimwe zuva zuva rinoendesa kuna ani zvake ane account pabhangi rinobatanidzwa. Vashandi veAcount vanowanawo zvikwereti zveATM zvinokwana $ 10 pamwedzi vachishandisa kunze kwe-network ATM.
03 Best Best Online Checking for Travel: Schwab Bank
Charles Schwab anozivikanwa zvikuru nokuda kwekutsvaga mari kudarika mabhizinesi, asi iyo inowanikwa yakawanda yeInvestor Checking account inokodzera nzvimbo inokosha pane ino. Mutengesi Kuongorora ndeyekusununguka-kusina mari, iyo inowanikwa paIndaneti-inowanikwa iyo inoda chikamu chekutsvaga chekutsvaga Schwab. Inopa mubhadharo webhadharo, zviri nyore kuendeswa kumakambani eSchbab uye nhoroondo dzekunze, uye inoratidzira pane imwe dashboard yemari yekutsvaga seimwe sarudzo yeSchwab kune vashandi. Asi izvi hazvisi izvo zvinoita kuti nhoroondo iyi ive yakakosha pakufamba.
Schwab Bank kuongorora maakaiti anouya nekadhi yeATM debit iyo isingabhadhari kushandiswa kupi zvako munyika. Munharaunda yako uye unoda mari? Usanetseka nezvekuwana bhangi yako kubvisa mari, unogona kuenda kuATM muchitoro, bhar kana imwe bhengi. Schwab haibhadhara mari chero ipi zvayo yeATM dzemisha kana yekunze, uye inokubhadhara zvinokubhadhara iwe pamitero inopomerwa nemamwe mabhangi. Hazvina mhosva kana uri muU.S., Europe, Asia, Africa kana kupi zvako. Kana pane ATM, unogona kuzvishandisa pasina. Iwe unogona kusungirwa usina mari muAntarctica, asi mabhengi emabhengi ipapo akanaka chaizvo zvishoma.
04 Best Online Checking Chekuita Kare: Discover Bank
Tsvaga inonyatsozivikanwa pamakadhi emakwereti, asi ine bhaja rakazara zvakare. Uye kana iwe uchida kuwana mari yebhadharo pamadhidhiji ega ega shanduro uye kutenga kwepaIndaneti, Ziva kuti Chengetai Cheku Checking ndiyo nzira yekuenda nayo. Machenda anowana imwe peresenti mari kubva kumashure ose anotengeswa kusvika kune $ 3,000 pamwedzi, zvichiita kuti pave ne $ 360 pagore muzvikwereti.
Nhoroondo yacho haina mari-yega yebasa rekugara uye inouya nemavhendi asingabhadhari. Vashandi veAcount vanowanawo mahwindo asina kupinda uye hapana mari yekudzokorora cheki yaunoisa. Chinhu chakanyanya kukanganisa kwebhuku iyi ndechokuti Discover maritime debit kadi haisi yemvumo yakagamuchirwa seVisa kana MasterCard ikadhi yemadhidhikiti. Asi kana iwe uchikwanisa kupfuura izvozvo, iwe uchafadzwawo ne 60,000 ATM isina mukana munyika yose.
05 Best Online Bank for Interest: Everbank
Florida based based Everbank inogona kunge isingazivikanwi seimwe mimwe mikana iri pane urongwa, asi zvakakosha kutarisa chero munhu anochengeta mari yakawanda yemari mubhuku ravo rekuongorora. Nepo iyo nhoroondo ine mari yakawanda ye $ 5,000 yekuzarura mari inoda, Everbank inoratidzira kugara nguva dzose mumatunhu mashanu ehurukuro yemitengo yekutarisa zvikwereti. Bhizinesi ikozvino rinopa 1,21 muzana yeApri yegore rokutanga, uye 0.25 muzana pane zviyero zviri pasi pe $ 10 000 kubva panguva iyoyo zvichienda mberi.
Zvechokwadi, unogona kutamisa mari yako kumativi ekutsvaga mhindu yemari yepamusoro mushure megore iro, asi pakuongorora mazai, 0.25 muzana ndiwo makwikwi ekukwikwidza. Everbank inopa mari yeATM pamari chero ipi zvayo kana iwe ukachengetedza $ 5,000 muyero, asi hapana mubhadharo kana iwe ukanyora pasi pasi apa. Hapana mari yebasa rinowanzoitwa, uye mari yezvinodiwa zvishoma zvayo inowanikwa nemamwe mabhengi.
06 Best Online Bank Kubhadhara: Izvo Zvimwe
Kubhadhara mari ndeimwe yenhengo dzakaoma zvikuru dzekutarisira mari zuva rega rega. Zviri nyore kufunga kuti hazvifaniri kunge zvakadaro, uye yakavaka zvigadzirisho zvebhajheti mumabhuku ayo ebhangi. Bhizinesi risina mari inotanga kufamba uye rinopa chinangwa uye "yakachengeteka kupedza" zviitiko zvekutevera zvakavakwa. Bhengi inokubatsira kuti utarise mari yako kuitira kuti upedze zvishoma, icho chinhu chakanaka.
Havana mari yekubhadhara chero chinhu chipi zvacho, kunyange vasina kubhadhara mari yeATM yebhangi. Iwe unogona kuwana mari yekusununguka kubva kune chero yeAllPoint ATM, zvisinei, pasina mari. Nhoroondo dzakajeka hadzisi kupa bhokiti, asi ivo vachanyora uye vanotumira zvinyorwa zvekushandisa uchishandisa mubhadharo webhadharo.
07 Best Online Bank Kubatsira: Chime
Chime uye Simple zviri zvakafanana, sezvo ivo vose mabhizimisi asingabhadharwi nemushambadzi wekutanga webhangi. Chime haiti iyo iyo kuongorora gwaro, kunyange zvazvo izvo chaizvoizvo ndizvo zvazviri. Pane kudaro, vanozviti "Inotora Account," iyo inogara pamwe chete neAptatic Savings Account. Kana ukangopinda mubhuku re Automatic Savings, chime rinokuchengetedza iwe nguva imwe neimwe paunoshandisa yako Chime debit kadi. Iwe unogonawo kuisa huwandu hwemari yekuchengetedza mapeji, sega muenzaniso kuchengetedza mashanu muzana yemari yako yekubhadhara.
Nhoroondo yacho inopa zvinhu zvakawanda zvaunotarisira kubva kubhengi rekuInternet, asi imwechete ndiyo nzira iyo inobata nayo mari yepamusoro. Panzvimbo pokuisa mari yako chaiyo mu "chimiro" chinosvika kwemazuva maviri, vatengi vechiChime vanowana mubhadharo wavo kusvika mazuva maviri apfuura apo inzvimbo mumabhanji. Nepo iwe haufaniri kunge uri kurarama mubhadharo kuti ubhadharwe chero nzira, kuwana kuwana mari yako nokukurumidza hakusi chinhu chakaipa.