Iwe haunoda bhangi-uye-bhangi bhengi kuti uchengete mari yako yakachengeteka uye ichikura
Munguva pfupi yapfuura, zvaunosarudza zvekuchengetera mabhuku zvaive zvishoma kumabhenji emunharaunda uye iwe wakanga uri munyasha chero ipi zvayo yebasa revatengi nemari yezvikwereti iyo mabhenji emunharaunda aifanira kupa. Mazuva ano, zvisinei, une zvimwe zvakawanda zvingasarudzwa. Kuonga kubhengi rekuInternet, unogona kuwana mari yakanakisisa yekuchengetedza uye maakarenda kupfuura kare kare uye kutarisira ukama hwako hwose hwebhangi kubva pa smartphone yako kana kombiyuta. Kana iwe unofarira kupakisa iwe kuchengetedza mu-akhawunti yakakwirira yekufarira inoshandiswa muIndaneti, verenga kuti udzidze izvo zvingava zvakakosha zvakakwana kwauri.
01 Best Overall: Ally
Iyo nhoroondo yepamusoro iyi inonzi Ally Bank, ine yakakwirira ye 1.45 muzana APY uye zuva rimwe chete rinotumirwa kuburikidza neZelle, iyo nhoroondo inounza kubatana kwemazana ekubhadharwa kwezvikwereti uye nyore kuwana mari yako. Ally, aimbova GMAC, anopa zvose zvekutsvaga paIndaneti nekuchengetedza nyaya. Iko mari inenge isina mari yepamwedzi, inopa chekuita chekuvhara kure uye inoita kuti zvive nyore kutumira mari kumabhengi pane imwe bhengi muUnited States.
Bhizinesi rakanyatsotarisa kushandiswa kwevashandi, pakati pezvikwereti zvezvibereko zvakanyanya mumhizha, mashoma mashomanana uye kuwedzerwa kwemashure neZelle. Kunze kwekuti iwe uchida kubvisa zvishoma zvikamu zvishoma zvezana zvekufarira, iyo nhoroondo isarudzo yakasimba.
02 Best for Fast Transfer: Capital One
Capital One ibhangi zvichida inonyatsozivikanwa nokuda kwekadhi yemakadhi pane mabhengi ayo ebhangi, asi izvozvo hazvirevi kuti bhangi haifaniri kutarisirwa. Capital One yakatenga ING Direct mugore ra2011 uye yakaritora zvakare seChishanu One 360, ruoko rwebhangi rweGreat One. Izvo 360 Kuongorora uye 360 Kuponesa ndevamwe vanozivikanwa zvikuru kune vanoziva mabhizimusi e-online chete.
Nhoroondo yekusungirirwa kwemari isina chikwereti haine minda yekuzarura uye inopa 1.0 muzana APY. Izvi zvakakwirira zvikuru kudarika chiyero chechirongwa chekuda, asi kwete nepamusoro pepakiti. Chimwe chibatsiro chikuru, zvisinei, iro Capital Capital nhengo yeZelle, iyo yekubhadhara purogiramu inokubvumira kuti utumire mari kubva kune imwe bhengi kune imwe imwe zuva rimwe chete pasina mari.
03 Best for Customer Service: American Express
American Express ndeye nguva yakareba mupi wezvigadzirwa zvemari uye inonyatsozivikanwa nokuda kwekadhi yemakadhi. Asi pa1,45 muzana APY, nhoroondo yekuchengetedza iri muIndaneti iri muchengeti wepamusoro maererano nezvinodiwa. Nhoroondo yacho haina unyanzvi huripo kana mwedzi dzemari, uye iwe unogona nyore nyore kuunyorera kuakaiti pane imwe bhengi kuti uende mari.
Chimwe chepasi kune Amex makadhi makadhi ndeyekuti kadhi rechikwereti uye kushandiswa kwebhangi nzvimbo dzakasiyana, zvinyorwa uye zvirongwa. Zvisinei, iyo nhoroondo ichiri kuibva kuAmerican Express, iyo inowanzova pakati pepamusoro-soro yevashandi vevhisi yeimwe hurongwa hwemari. Tichitarisa mavhareji kuongororwa kwepaIndaneti, zvakajeka kuti imwechete yebasa inosvika kune vatengi vemabhengi.
04 Best for Easy Funds Access: Discover
Asi imwe kambani inozivikanwa zvikuru pamakadhi emakwereti kupfuura mabhengi, Discover inopa inotarisa kuInternet nekuchengetedza kwekaunti kuburikidza neDevcover Bank. Tsvaga kuregererwa kwepaIndaneti kune 1.5 muzana APY, iyo inowedzera-tier interest rate. Nhoroondo yacho inenge isina mari, kusanganisira kuendeswa kwemaseri.
Tsvaga Bhengi inopa mari yemari yemari yekuchengetedza mari, iyo inonyanya kushandiswa mumudhizimusi wekuchengetedzwa kwekombiyuta. Inobhadhara zvishomanana, pa1,35 muzana APY yezviyero pasi pe $ 100,000 uye 1.40 muzana yezviyero zvinopfuura $ 100,000, nhoroondo iyi inokupa kukwanisa kuwana mari yako neATM, debit kana chekuongorora.
05 Best Inoponesa Inoitwa paIndaneti neMapazi Masimba: CIT Bank
Pakati pezorodzero yemabhangi, imwe inomira pamusoro pezvimwe zvacho zvishoma chete, .05 muzana kuti ive yakarurama. CIT Bank, kwete kuti irege kuvhiringidzwa neCiti Bank, inopa 1.55 muzana APY sekunyora uku. Nhoroondo idzi dzinoda $ 100 zvishoma zvishoma. Mukuwedzera kune mari iri muIndaneti, CIT inobvumira vatengi mune nhamba shoma yehurumende munyika yose kuburikidza nedzimba dzaro dzebazi (matare 71 maererano neSbanklocations.com).
Kungofanana nedzimwe sangano rekuchengetedza mari, hazvina mari yekushandiswa kwekombiyuta uye nyore kutengesa kuIndaneti uye kubva kune dzimwe nhoroondo kune mamwe mabhangi. Iyi nhoroondo yekuchengetedza inowanikwawo sekodzero yekuchengetedza, saka kana mwana wako akachengetedza uye iwe uchida kuzviisa pane imwe nhanho pasina pangozi, nhoroondo iyi inogona kunge yakanaka.
06 Best UK-Based: Barclays
Barclays i UK-based financial institution. Pano muUnited States, kambani inopa makadhi emakwereti uye mahombekiti akakwirira ekuchengetedza maakaunti. Bhuku reBarclays Bank rekuchengetedza mabhadharo rinopa pakati pezvikwereti zvinokwidzika muhurudzi (1.5 muzana APY sezvinyorwa izvi) uye haibhadhara mari yegore negore yekuchengetedza kana zvimwe zvikwereti zvebasa rekuita zvekuita.
Nhoroondo yacho haina unyanzvi huripo uye inopa mabhizinesi eInternet nekutumira kune kana imwe inobva kune imwe United States yakabhadhara bank account. Kunyange zvazvo nhoroondo yacho isina zvishoma, inopa yakachengeteka, yepamusoro-sarudzo yekugadzirisa mari yako. Uye, kana mari yako yaiswa, dhora yako yebhadharo inogona kuva nezwi reBritish mune ramangwana.
07 Best for Emergency Funds: Marcus naGoldman Sachs
Vanhu vazhinji vanofunga nezveGoldman Sachs nokuda kwezvakaitika kare mumugwagwa weWall Street, asi Goldman Sachs anopfuura zvinopfuura kubhadhara mari. Iyo kambani ichangoparadzira mapapiro ayo munzvimbo dzakawanda, kusanganisira kubhadhara uye kubhadhara. Marcus naGoldman Sachs anopa zvikwereti uye zvibereko zvakakura zvekubika.
Nhoroondo yakakosha yekukohwa yakaswedera pedyo nepamusoro pemusika pa5% muzana APY. Nokuda kwemhando yakawanda inokosha yevashambadzi vachitsvaga kuisa mari yakawanda kubva kune chiyero ichi, fungai kuti pane mamiriyoni e $ 1 mamiriyoni kune muridzi wepa compte uye $ 1 mamiriyoni ega ega. Vazhinji vedu hatifaniri kunetseka pamusoro pazvo, zvisinei, uye vanozoita zviri nani kushandisa kambani iyi kune mari yekukurumidzira.
08 Best Best Savings Inhare Kubhadhara Mitengo: Synchrony Bank
Synchrony Bank, yaimbova GE Capital, ine imwe yepamusoro yekutora mari yekuchengetedza mari inowanikwa nhasi. Iyo yakabatanidzwa panzvimbo yekutanga pane urongwa urwu rwezvino 1.55 muzana APY. Mune ruzivo rwedu, kubhadhara mabhizinesi paStrony haina kusimbwa kana kuvimbwa sevamwe pane iyi, asi inzvimbo yakachengeteka kuchengetedza mari yako yepamusoro-chikwata ne FDIC inshuwarisi.
Chimwe chikomborero chikuru iyo nhoroondo iyi inopa pamusoro peimwe gwaro rekuchengetedza maakaiti ikadhi re ATM. Nepo iwe unogonawo kutamira kune imwe bhengi iri muUnited States paIndaneti, izvi zvinokupa sarudzo yekukurumidza kuwana ruzivo rwekugonesa kwako pasina kurindira kuwedzerwa kuti upinde. Mune mabhizimisi emabhanki eIndaneti, unogonawo kuisa maATM muAndikoni yekuchengetedza maSinki, chero bedzi ATM inogamuchira mari uye inoratidza Plus kana ACCEL logo.