Nokuti ndiani anoda kubhadhara mari kana iwe usingafaniri?
Nhoroondo yako yekuongorora ndiyo nhare yehupfumi hwako, ndicho chikonzero zvakakosha kusarudza bhida rakakodzera pane zvaunoda. Kana iwe uchida kusununguka kusarura, izvo zvaimbova zvekugadzira mabhanga makuru makuru, iwe unogona kunge uchiita zvishoma zvekuvhima uye iwe unofanira kuva nechokwadi chekutarisa zvinotevera zvinotarisirwa kubva pane rako.
Mari yemwedzi nemwedzi: Nzvimbo yekutanga kutarisa inoshandiswa pamwedzi. Nzvimbo dzakanakisisa dzekutarisa mabhuku hadzina zviyero zviduku kana zvinoda kuti usapedza mwedzi wekugadzirisa mari. Panofanira kuva pasina mari yekugadzirisa zvachose.
ATM: Mabhandi eIndaneti anoshandiswa nemakomba makuru ATM. Usati wasayina, ita nechokwadi kuti gwaro rako rekuongorora rinopa nzvimbo dzeATM dzakakunakira iwe. Kana uine nguva dzezororo nguva dzose kana uchida kushanyira mhuri "kumusha," iva nechokwadi chokuti kune ATM ikoko ikoko. Asi iyo nhoroondo dzakanakisisa dzinozobhadhara dzimwe mari dzebhangi dzeATM uye hazvibhadhara imwe kunyange iwe uchibuda kunze kwenethiwekhi.
Kuderedza mari: Iyo yakakosha zvikuru yekombiyuta-iyo chete inoshandisa mari. Mabhanga makuru, madzinza anofanira kuchengetedza matavi akazarura mari, iyo inodhura zvikuru. Izvo zvakanakisa kusarura maakareti hazvibvumi kuti uise mari. Kana izvi zvakakosha kwauri, funga chikwereti chinyorwa kana bhizinesi rebazi rebazi.
Iye zvino izvo zvese zvidzidzo zvakafukidzwa, pasi apa uchawana mabhizimusi akakurumbira nekutarisa kusununguka nhasi. Saka tyaira mudura redu uye regai tibatsire kusarudza kuti ndiani angave akakodzera iwe.
01 Best Overall: Ally Bank
Ally Bank ibhengi-yega-yega ine imwe yepamusoro-soro yekutarisa mabhuku iripo nhasi. Iyo inouya pasina chekubhadhara, kusvika ku $ 10 mumwedzi wekupedzisira weATM yemari yekubhadharwa kwemamwe mabhanisi 'Mari dzeATM, kushambadzira kwemafoni dzemafoni uye kunyange kubhadhara zvishomanana zvido zvekunakidza mutengo.
Ally haasi kupa iyo yakanakisisa inharaunda yakapoteredza, achibhadhara 0.10 muzana APY pazviyero kusvika ku $ 15,000 uye 0.60 kubva muzana ye $ 15,000 uye pamusoro. Zvisinei, kusanganiswa kwebhadharo yebasa rinowanzoitwa uye mamwe emhando dzakanakisisa dzemabhengi ekukomberedza, haukwanisi kutadza nekaunti iyi yekuongorora. Chinhu chete chausingagoni kuita ndechokuisa mari. Kunze kwekuti iwe uri mubasa guru-iro rinorema, zvichida haisi nyaya.
02 Best Flexible Overdrafts: Capital One
Capital One 360 Kuchengeta ibhuku guru risina mari. Iyo ine yese yebhanhire rekutsvaga uye yefodya iyo iwe unogona kutarisira kubva kubhangi rekutsvaga uye inopa maitiro mana ekudhura kwepamusoro, kusanganisira auto-kuderera, kusununguka kusununguka kubva kune mari uye chikwereti chekare chechikwereti. Taura kubhadhara mari yepamusoro yebhadharo nekusingaperi, pamwe chete nemari yose yebhadha mabhidha ekubhadhara kwemaitiro emwedzi unoitwa.
Iri bhengi rinoripira 0,20 muzana chido chezviyero kusvika ku $ 50,000, izvo zvishoma zvishoma pane zvaunowana paAlly nokuda kwekarikari mabhadhakiti. Capital One 360 vatengi vanogona kuwana mari inopfuura 39,000 ATM isingabhadhari, asi hapana kubhadharwa kweimwe gwaro reATM rebhapiti. Iri bhangi harisi zvachose paIndaneti chete. Vanopa ketani reCommunity One Cafes, iyo inowirirana sekutengesa kofi uye mapazi ebhangi mune imwe.
03 Best for Budgeting: Simple
Kana iwe wakatora mari yako yaunoda bhajeti uye iwe unofarira pasina-kubhadhara kuongorora gwaro uye ukavadzikisa pamwe chete, iwe unopedzisira uine Simple. Zvinyorwa zvinongoratidzira kambani imwe chete, pasina-kubhadhara mari yekuongorora iyo yakanyatsosungirirwa kubhidhiyo yebhangi uye ye mobile. Asi iyo inoshandisa mabhizinesi epakombiyuta haina kumira pakudhindwa uye mubhadharo webhadharo, inopa zvimwe zvishoma.
Izvo zviri nyore kugadzirisa uye kushandisa zviitiko zvekutevera zvakagadzirwa mubasa rimwechete raunoshandisa kumabanki efoni. Usashamisika zvakare kana uchikwanisa kutenga, iwe unogona kuzvitarisa uye uchiziva zvakanaka ipapo. Inosanganisirawo chinangwa chekuchengetedza chinangwa chokukubatsira kuti usiye mari kuti uende rwendo rwemberi, kutenga kana chimwe chinhu.
Kusiyana nenyaya dzakawanda dze "check check" dzinobhadhara mari yezvimwe zvisingadikanwi, izvi hazvibhadhari mari zvachose. Chero chii. Zvechokwadi. Iwe unogona kuona kudarika-kubva kubva kushandisa kadhi yako yekutengesa kunze kweUnited States kana mari kubva kune rimwe bhanga reATM, asi hapana mari inobva kuna Simple.
04 Best With Multiple Options: Bank of Internet USA
Kunyange zvazvo Indaneti isiri nzvimbo chaiyo iwe unogona kuenda, inzvimbo chaiyo yakakwana yebhangi rayo. Bhizinesi reIndaneti USA ibhengi rekutsvaga kune ani zvake muUnited States, uye ine nhanhatu dzinoenzanirana dzekutarisa dzinosarudza kubva, izvo zvitatu zvayo hazvibhadhari mari.
Makomborero Kuchengeta ibhuku risina kubhadharwa rine rekubhadharisa mari yebhadharo yemari yeATM, iyo yakanaka kune avo vanobhadharwa nemari yakananga asi vanosarudza kuenda kune ATM kuti vashandise mari (mamiriro ezvinhu anoshandiswa kuti vawane chido). Platinum Checking iri nani kune avo vanoshandisa ATM shoma ($ 8 mumitambo yekubhadhara pamwedzi, $ 5,000 zvishoma muyero wekufarira). Zvinonyanya kukosha ndezvekuti Essential Checking, iyo isingabatsiri asi inokupa zvikwereti zvisingagumi zveATM pasina uwandu hushoma.
05 Best Bank for Interest: Bank5 Connect
Kana iwe uchida kutarisana nekombiyuta yekombiyuta iyo inobhadhara kukwikwidzana kwekodzero yemari pasina kusvetuka mukati memheji, unofanira kutarisa Bank5 Connect. Iyi mari yekubhadhara yakawanda inotanga ne $ 10 shomiti uye iwe unoda kuchengeta $ 100 munhoroondo kuti uwane chikwereti, iyo ikozvino mukukwikwidza 0.76% APY.
Chimwe chezvikomborero zvikuru ndeyeATM yemari yekubhadhara, iyo inokwira kusvika ku $ 15 pamutsetse wekutaura. Izvo zvinenge zvichingofamba machina kana mashanu kuenda kune imwe yekare yaATM pasina kubhadhara zana kubva muhomwe. Kunyanya, iwe unowana zvose zvepaIndaneti mabhizimusi ezvinyorwa zvakadai sepaIndaneti mubhadharo, mabhizimisi ari paIndaneti (iwe unofanirwa kuripa kuti uiwane mumishu), kubhengi kushambadzira, kutanga kwekutengesa kushandiswa kwezvinyorwa zvinokosha uye kunyange debit kadi mibairo paunoita kwete-PIN kutenga yezuva nezuva kushandisa. Iko rudzi rwemari kumashure haruwanzoiti kubhadhara mazuva ano, izvo zvinoita kuti zvive zvakakosha zvakanyanya kubatsirwe.
06 Best Bank for Cash Back: Discover Bank
Kazhinji, iwe unoda kadhi rechikwereti kuti uwane mari yakanakisisa shure, asi Discover inopa zvakakosha kuita pamwe neyero muzana mari yakadzoka kusvika ku $ 3,000 pamwedzi unotenga. Izvo zvinosvika $ 360 pagore zvakabhadharwa zvichienderana nemitemo yako yekushandisa, pamwe nekutarisa kwekodhi yakasununguka pasina mari yekuita mabasa ose.
Iyi nhoroondo haina mari yemwedzi uye hapana mamiririri mashoma, chiyero chekuenda kune iyi. Zivhura Bhengi inopa 60,000 ATM isingabhadharisi uye inosanganisira pasina chekudzorera kana uchishandisa bhuku rako rekuongorora, izvo zvingatora nguva yakawanda munguva ino.
Icho chikuru chakanyanyisa kubhuku iyi ndechokuti kadhi yebhengi iri Discover branded, zvinoreva kuti haugoni kuishandisa iko kutenga zvakadzama seVisa uye Mastercard mazita ekudhika kadhi. Zvisinei, nechokuita pasina mari yemari kunze kwekutumira tambo, kurega kubhadhara uye kutyisa kudhura, iwe uchakwanisa kufara zvinhu zvose ino iyo inofanira kupa pasina kubhadhara mari.
07 Best Bank ne Free Checking for World Travel: Schwab Bank
Charles Schwab ndechimwe chezvinhu zvakanakisisa zvinodhura mabhizimisi muUnited States. Asi Schwab ane chakavanzika: Inopawo chimwe chezvinhu zvakanakisisa zvekutarisa mabhuku zvakapoteredza. Schwab's Investor Checking account inoda kuti kambani yekwereti izarure, saka haisi yevose. Asi kana iwe uine zvigadzirwa zvekutsvaga mari, unogona kunge uchida kuwedzera pakero iyi yekuona shanho sebhasi.
Bhizinesi inopa huwandu hwekufarira, asi chinonyanya kukosha kune vanogara vafambisa ndeyekubhadhara kwayo kusingagumi kweimwe mari yebhangi yeATM, kusanganisira iyo inobva kunze kweUnited States. Kwete zvakare kunetseka nezvekuwana pesos usati wadzokera kuMexico kana kuEuro musati wanyura paziso rekundu kudarika dziva. Iye zvino unogona kungoenda kuATM uye kubhadharwa nemari ipi zvayo. Iwe unowanzowanawo zvimwe zvekutengesa zvakanakisa nemaATM, kwete kushandura mabhizimisi kana kuti macambios iwe uchaona munzvimbo dzakakurumbira dzinotarisa.