Kukurira mari yako nekukurumidza uye nyore
Nhoroondo dzekuchengetedza dzinofanira kukubhadhara iwe unofarira, kwete mari yako iwe mari, uye kukubatsira iwe nekuchengetedza nekukura zvishoma nekukwanisa kwako. Nezvo izvi zvichifanira kunge zvisinganzwisisiki, pamabhanki akawanda izvi zvakaitika kune dambudziko. Ivhareji yebhangi muUnited States inobhadhara chikwereti chechikwereti chakasara uye mari inokwidziridza mari yakawanda kana iwe usingakwanisi kusangana nezvimwe zvinoda. Aya mabhanga anomira kubva kumhomho yevanhu, nekuda kwebhadharo yakaderera, mari yepamusoro-inobhadhara uye zviri nani zviri nani kuchengetedza ruzivo. Tevera pamwe nemutungamiri uyu kuti uwane kero yako yekuchengetedza inotevera kuti kuwedzere migumisiro yako.
01 Best Overall: FNBO Direct
FBNO inomirira First National Bank yeOmaha, uye kambani ibhi rekare rechikoro rine Nebraska rakasimba midzi. Iine nzvimbo mune zvinomwe zvinotaura, kunyanya mukatikati-kati. Iwe unogona kuzarura nhoroondo itsva yepaIndaneti ne $ 1 zvishoma deposit.
FNBO Direct ikozvino inopa inoshamisa 1.60 muzana APY. FNBO inopa kutarisa zvakare, kuitira kuti uite mari yako yese iri mubhangi. FNBO Direct iriwo nhengo yePartMoney network, iyo inopa kukurumidza, kusununguka kusununguka kune shamwari nemhuri pane mamwe mabhanga.
Bhengi rine mazano akavhenganiswa, ayo anofunga nezvekugadzirisa kwaro kwebasa rebhengi rebazi uye re-online-bhengi chete hakusi kushamisika kukuru. Asi kana iwe uchida huwandu hwemari, FDIC yunivhesiti uye chiitiko chekusachengetedza kusina mubvunzo, FNBO Direct iwe wawakavhara.
02 Best for Simple Simple Kuzvipira Kuponesa: Synchrony
Synchrony Bank ibhengi rekutsvaga neyakada kudiwa yepamusoro yekubereka mari. Machenda anoda Synchrony's high yield savings, iyo iye zvino inobhadhara 1,55 muzana APY, pakati pezvikwereti zvizere munyika. Ne FDIC yunivhesiti uye nguva dzose yakawanda mari yekuchengetedza, iyi ibheni rakakurumbira rekuchengetera maakaunti.
Kunyange zvazvo chido chekufarira chiri kukwirira, bhagheni iyi inogamuchira zviduku zvakaderera zvebasa revatengi uye inoshandisa mabhizimisi epaIndaneti. Mutengi anotsanangurira cite basa revarombo nevashandi uye webhusaiti yewebhu. Synchrony haina kupa kambani yekuongororwa yakabatana uye ine imwe chete yebazi yemuzinda inogara kuNew Jersey.
Kana zvose zvaunoda kuita ndezvokuchengetedza mari yako apo inowana mubereko mune imwe nhoroondo yakachengeteka, nhoroondo iyi isarudzo yakanaka. Iko mari yakawanda yekukohwa haina mari yepamwedzi yekushandira, $ 1 zvishoma zvishoma yekuzarura, uye kana ukasangana neA synchrony yako yekuchengetedza kamba kune yako yekutanga kutarisa kuwedzerwa kwepaIndaneti, kuwana mari yako inokurumidza uye iri nyore.
03 Best for High Yizvipo Kuchengetedza Mari Inoshandiswa: CIT Bank
Kana iwe uchida mari yakawanda yekubika uye matavi emuviri, CIT Bank ndiyo inotungamirira (kwete kuti urege kuvhiringidzwa neCiti Bank). CIT Bank ye Premier Premier Yield Account Savings ikozvino inopa inonakidza 1.55 muzana APY, ichiiisa muchengeti wepamusoro yekuchengetera maakaunti.
Nhoroondo yacho inoda $ 100 zvishoma kudhura muyero uye FDIC inotsigirwa. Nhoroondo yacho haitauri mari yekushandisa nguva dzose. CIT haina kupa kero yekuongorora, saka iwe uchada mabhanki akawanda kushandisa kambani iyi. Zvimwe zviongorori zvinoratidzira ruzivo rwakashata rwepaIndaneti CIT Bank uye OneWest Bank ndiyo imwe kambani uye inopa nzvimbo munzvimbo yose.
04 Best Best Customer Service: American Express Bank
American Express inopfuura kambani kadhi rekwereti. Kunyange zvazvo vafambi vekufambisa vanga vachinge vasisina fashoni, mumwe asingabhadhari chikwereti pa Amex haatombogoni kutaridzika: mabhuku ekuchengetedza. Kuburikidza neAmerican Express Bank, unogona kuzarura kero iyo ikozvino inopa 1.45 muzana APY.
Bhuku reDICIC rakachengetwa rakakura rekubika mari inobatsira pane kuenzanisa nhare dzevashandi vemakambani, izvo zvingasava kushamisika kune ani zvake ane mukana wekambani yemakadhi yemakadhi. Dambudziko guru revatengi vema Amex nderokuti mabhangi ekugadzira uye maitiro haabatanidzwi nemakadhi emakadhi echikwereti.
Izvozvo zvakati, inzvimbo yakachengeteka, yakakwirira-inobatsira yekusimudza mari yako. Ndiyo bhanhire reku-online chete, saka haugoni kuwana matavi. Asi ndeye 2010s, ndiani anoda chimiro chemuviri chero ipi zvayo apo iwe unogona nyore kutumira mari paIndaneti pasina?
05 Best for Sale Zvikuru Kuchengetedza & Checking: Ally Bank
Ally Bank inopa imwe nheyo yakarongwa nekombiji yekuchengetedza kwekombiyuta, ikozvino inopa 1.45 muzana APY. Iri bhengi rinopa mimwe mitero yemwedzi wose, kuongorora maakare kana iwe uchida kuchengeta mabhengi ako ose panzvimbo imwe chete, uyewo chekufona chemafoni inotora kubva pafoni yako kurudyi kwekero rako rekuchengeta.
Ally kazhinji akarovedza mitambo yebhangi uye yefodya, asi yeuka kuti nemabhanki eIndaneti haugoni kuisa mari. Nemhaka yokuti bhangi inopawo kuongorora maakaiti, unogona kuwana kadhi yeATM yeAngeri yako uye yoishandise pasina pane imwe nzvimbo yeATM. Kutenda kune huwandu hwekuda, kuwedzerwa nyore uye webusaiti yakavakwa zvakanaka, Ally isarudzo yakanaka yezvose zvese zvekubhadhara, kusanganisira zvibereko zvakanyanya zvekuongorora.
06 Best High-Tech: Capital One Bank
Capital One's 360 Kuponesa haisi yepamusoro yezvakabhadhareji mubhuku rezera ravo, asi zvakadaro inopa mazinga akanaka pamusoro pevhareji yenyika. Ikozvino chido chekuda chika 1.00 muzana APY. Nhoroondo isingabhadharwi ine chikwereti chisina chakanaka uye inonyanya kubhengi-bhengi chete, kunyange Capital One ine nzvimbo shomanana mumaguta makuru munyika yose.
Guta reMumwe rinopa kuibva kwekukohwa kwepamusoro mukuwedzera pakuchengetedza, izvo zvinoreva kuti iwe unogona kuwana kadhi yebhadhiro uye uite bhadha yako yose pasi pedenga rimwe kana iwe ukashandisa iyo kambani. Iwe unogona zvakare kusunungura zvakasununguka mari kuenda uye kubva kune imwe mimwe yebhengi yebhangi yakabatanidzwa muUnited States, iyo ndiyo inowanikwa kumabhengi ose ari apa.
Chimwe chinhu chinotonhorera iyo kukwanisa kuzarura ku-akhawunti yekusungirirwa yega yega yega yebhasi. Izvi zvinoreva kuti iwe unogona kugadzirisa unongotamira kune imwe nzvimbo yekufambisa mari yako, mari yechikwata, yevana yekorosi mari kana chimwe chinangwa chekuchengetedza.
07 Best Wall Street Bank: Goldman Sachs Bank
Goldman Sachs isimba reWall Street uye inowanikwa kune vashandi kubhengi. Bhangi rayo rinowedzera nezita Marcus By Goldman Sachs. Marcus ane gwaro rekuchengetedza iri muIndaneti ne 1.50 muzana APY.
Nhoroondo yacho iri nyore uye hapana frills uye hapana mari. Inongova nzvimbo yekuchengetedza mari yako nehuwandu hwekufarira. Kungofanana nedzimwe mabhanki eIndaneti, haugoni kuisa mari, asi zviri nyore kutumira mari ku-kana kubva kune chero kero pabhanji rakabatana. Iko bhizinesi ruzivo haruna kupa zvakawanda, asi iwe unoda zvakadini kubatana nebhangi iri kubata rako rekukohwa mari?
Marcus anopawo zvikwereti zvake, izvo vamwe vatengi vakasiya zvichemo pamusoro peIndaneti. Asi kunyanya zvikwereti zvekuchengetedza zvakakosha zvikuru.