Yenguva yekuwana mari yakawanda kubva kubhangi rako
Kucherechedza maakaunti ndiyo nhoroondo inonyanya kukosha yemari yako pachako. Iyo inoita senzvimbo yemagariro yemari yako uye ndiyo inowanikwa mari uye mari inopinda. Nekukosha kukuru, zvinokosha kuti uwane kambani yekuongorora yakaisvonaka. Uye pane boka raunosarudza kubva, kusanganisira iyo inopa mari mibairo yezvemari, hapana mari yeATM nezvimwewo. Kuti tibatsire kuita sarudzo yakarurama, tinoisa pamwe mazita emabhangi akanaka ekuongorora mabhuku, kuitira kuti iwe unogona kuve nechokwadi kuti uri kuwana bhabheri rakanaka kune buck yako.
01 Best Overall: Charles Schwab Bank
Nhoroondo yakanakisisa yekuongorora kambani haibvi kubva kubhangi rechechi, inobva kune imwe kambani yekutsvaga. Nhoroondo dzeCharles Schwab Bank dzakagadzirirwa vatengesi veSchwab, asi iyo nhoroondo inofanirwa nemari shoma, kwete zviyero zvishoma uye nekodzero yekushandisa chero ATM chero ipi zvayo munyika isina mari. Chinhu bedzi iyo nhoroondo haisi kukurega iwe kuisa mari.
Nhoroondo yacho ine zvimwechetezvo zvaunotarisira kubva kubhengi rebhengi rekutsvaga, kusanganisira kubhadhara mari yebhadharo, kusunungurwa kusingabhadhari kuakaiti kuSchwab nedzimwe mabhanji, kadhi rebhadha rebhadhiro uye rinotarisa sekutengesa pasina. Chimwe chikomborero chakakura hachina mari yekubhadhara ATM. Schwab haatauri kunze kwenyika mari yeATM uye inokubhadhara iwe nokuda kwezvikwereti kubva kune mamwe maATM emabhangi chero kupi zvako munyika. Kuvanhu vanogara munyika dzakawanda kana ani zvake anoda kushandisa ATM asi asingadi mari, ichi chinhu chinobatsira zvikuru.
02 Best Online Checking: Ally Bank
Ally Bank inopa nhoroondo yepamusoro muIndaneti kutarisa nzvimbo yenyaya. Inouya nezvinhu zvinobatsira zvakadai sekusununguka kweAll ATM (43,000+) uye $ 10 reimbursement pamutsetse wekutaura kune dzimwe bhadha dzeATM dzebhangi, rubatsiro rwemafoni nyore nyore apo iwe unogona kusvika kuvanhu, kukurumidza kuendesa shamwari neshamwari naZelle uye pakati pekunakisisa kutarisa nhamba yemari yemari yemabhanki epakombiyuta.
Iko kune madhomwe anenge asingabhadharwi nekodhi iyi yemabasa ekugara. Iwe unogona kuwana kunyange chekoni yekodhi pasina mari. Hapana zvakawanda zvokunyunyuta pamusoro apa. Chinhu chimwe chete chausingakwanisi kuita neyiyo ye-online-iyo chete inoshandisa mari. Asi nokuti ndeye 2018 uye mari yemari inenge isiri iyo yose yakajairika kune avo vari kunze kwebasa rebasa, iro harifaniri kukudzivisa.
03 Best High Tech: Capital One 360
Kana ukakumbira Capital One 360, vanoti ivo inyanzvi yekambani inoitawo bhangi, kwete bhangi rinoitika rine teknolojia. Izvi zvinoreva kuti iwe unowana zvimwe zvekushandisa uye zvakanakisisa-zvigadziri zvishandiso uye zvikamu, kusina mari yebasa rega rega risina zviyero zviduku.
Nhoroondo yacho ine maATM asingabhadharwi kune ipi neyo Capital One kana kuti Allpoint ATM (39,000 uye kuverenga) uye nhamba shoma yematavi (anonzi mapepa) mumaguta makuru. Capital One yaiva bhenji rekare kuti ipe kure deposit kubva pafoni yako uye inosanganisira mapurogiramu ane simba uye anobatsira uye ruzivo rwakakura rwemaIndaneti. Bhizinesi rinopa kupa makwikwi emitengo yezvikwereti pakuongorora uye kuchengeta maakaiti.
04 Best Cash Back: Discover Bank
Tsvaga inonyatsozivikanwa pamakadhi emakwereti, asi inopa kubvumira kuongororwa kwekombiyuta zvakare. Nhoroondo yeChiscover Chekuchechechedza Chekubhadhara inopa imwe muzana mari kubva kumashure kusvika ku $ 3,000 mukutenga mwedzi mumwe nomumwe. Izvozvo zvinokupa iwe mano ekuwana mari yakawanda se $ 360 pagore mune mari zvakare.
Nhoroondo idzi dzinouya nemari shoma shoma, kusanganisira hapana mari yemwedzi uye pasina zvigadziro zvekurima zvinodiwa. Hapana mari yekubhadhara mari yepaIndaneti, kusvika kune 60,000 + ATM, check reorders, debit kadi kushandiswa, mabhizimisi echechi chekuongorora, ACH kuendesa, mafoni anouya kana kuisa zvinhu zvakadzoka. Iyi nhoroondo inodhura zvishomanana uye inopa zvakawanda mukudzoka. Chinhu chakanyanya kukanganisa ndechokuti kadhi yebhengi inoshanda paine nhamba shoma yevatengesi vachifananidzwa neVisa uye Mastercard makadhi akanyorwa.
05 Best Mhuri Mhuri: USAA Federal Savings Bank
USAA inzvimbo yezvemari nekuda kwemauto ehondo, veteran nemhuri dzavo. Kana iwe uine mukana wekukodzera kuve nhengo (inenge imwe muvana veAmerica inokodzerwa), unogona kuwana huwandu hwakawanda hwehutengo hwemainishuwarenzi yemari nemimwe michina yezvemari, kusanganisira maitiro akawanda ekuongorora kukonzerwa kwekambani.
Nhoroondo yekutarisa inotarisana neyo USAA Mitsva Yekubhadharwa Kwemari Kuongorora, iyo inopa 60,000 maATM asingabhadharwi, kuchengetedzwa kwemadhora, pasina kubhadharwa kwepakati, pasina mari yemwedzi uye kubvunzwa kwepakutanga kune zvikwereti zvako mune dzimwe nguva apo zvakanatswa neDFAS. Kunyanya iwe unowana zvinhu zvose zvaunotarisira kubva kubhangi remazuva ano kuburikidza neinternet uye mobile banking.
06 Best Kuchengetedza Bhijeti: Zviri nyore
Izvo zviri nyore bhangi uye yebhajitimi yega yega mune imwe. Yakagadziriswa neBBVA (inofunga Compass Bank) muna 2014, Simple inoramba ichiita sangano rega-oga. Yakatangwa muna 2012, ichiita kuti ive itsva inopinda kumhizha. Haina matavi emuviri uye inopa yese yese yese kuburikidza neInternet uye mobile mobile apps.
Zviri nyore kuti uwane rusununguko rusununguko rwe STAR network network ATM (55,000), mafoni ekuisa mari uye zvimwe zvose zvaunotarisira kubva kubhengi rekuInternet. Zvinhu zvakasimirirwa zvinouya nemari yekuchengetedza nekugadzirisa zvigadzirisiti, izvo zvakakwana kuti zvikubatsire kugadzirisa uye kutora kutonga kwemamiriro ako emari. Oo, hongu, uye kwete mari!
07 Best For Millennials: Chime
Chime is mobile app first bank iyo inoita kuti bhangi rako rive nyore uye mune imwe nzvimbo. Hazvipi mari yekubhadhara, zvirongwa zvekuchengetedza zvakakwana, kushandiswa kwekutanga kutora mari yekuisa mari mune dzimwe mamiriro ezvinhu, uye kutengesa pasina overdraft, kuchengetedza kana kutengeserana kwemari kune dzimwe nyika.
Isofoni yepamusoro yakaisvonaka uye iri nyore kushandisa uye inouya nezaziso dzinobatsira uye kuwanika kune mashoko anokosha pane mamwe mabhopu. Iwe unogona kutumira chinyorwa chepepa kuburikidza nebhatani mu app foni. Hakuna tani yemafuta makuru uye mabhero uye nyere. Zvose zvinoshanda chete.
08 Best Mabazi Emuviri: Dzingai
Kana hurukuro yako huru iine ruzivo rwakakura rwebazi rebhangi uko iwe unogona kusangana nemunhu kune munhu-mubhadha, Chase iri pamusoro pepakiti. Kunyange zvazvo iri chikoro chekare chekuchikoro chinokweretesa mari yezvikwereti zvishoma zvemari, pakati pemamwe mari, inokupa iwe kusvika kune imwe yenhare dzakawanda dzematare ebhangi munyika.
Kana iwe uchikodzera nebhasi-inobhadhara mari uye mari yakakwirira, uchawana kuti Chase inowanzoita basa rakanaka revatengi, inopa mhando dzakasiyana dzemabhizimusi uye iyo yekutarisa inogona kuita zvakanaka chaizvo zvese zvaunokandira pairi, kusanganisira mari inoshandiswa. Ingwarira kushandisa kadhi yako yebhadharo pane chero bhizinesi risina chese kana iwe uchitarisa keseti nguva dzose, sezvaunenge uchinge uchingororwa nemari kumativi ose maviri.