Ramba uchiyeuka kuti kana kushanduka kusingaitiki, pangava nedzimwe nzira dzokugadzirisa dambudziko.
ACH Kuchinja
National Automated Clearing House Association (NACHA) inotarisa kana kana kutendeuka kusingabvumirwi kunobvumirwa, uye kune mitatu mamiriro ezvinhu akakodzera.
- Zvakaipa zvemadhora mairi: kana mari yakashata yakatamiswa (somuenzaniso, $ 200 pane $ 150)
- Nhamba yenyaya yakaipa: kana kudhindwa kwaiva nenhamba isina kukonzerwa nekambani uye mutumuri kana mutori akanga asiri iyo nhoroondo yakarurama. Ndicho chikonzero nei "mabhizimusi emabhangi mukunaka kwako" asingagoni.
- Kuwedzerwa kwekutengesa: kana kutengesa kunoenda kanopfuura kamwe chete, zvinyorwa zvichange zvakajeka kuchinjwa
Mumamiriro ezvinhu ari pamusoro apa, kuchinja kunofanira kuitika mukati memazuva mashanu, uye muridzi webhengi webhengi unofanirwa kuudzwa anofanira kuziviswa kuti kambani yake yakabhadharwa.
Izvozvo zviitiko zvitatu hazvina kukwana, saka zvakadini kana iwe uchida kuita mamwe marudzi ekushandura kune chekubhadhara ACH?
Bill Pay Online
Kana iwe uchibhadhara zvikwereti neACH, pangave pane nguva apo iwe unoda kugadzirisa, kuchinja, kana kunonoka kubhadhara kwaizoitika.
Mune zviitiko izvi, taurai ani zvake anotanga kubhadhara:
- Mutengi wako, (sekuita sekambani yako yebasa) kana mari yacho ichitsvaga kubva kubhuku yako mwedzi mumwe nomumwe
- Bhengi yako, kana kubhadhara kwave kwakagadzirwa kuburikidza nebhengi rako rekubhadhara mari yebhadharo
Iva nechokwadi chekukumbira chero shanduko nekukurumidza.
Zvinogona kutora zuva rimwe kana maviri kuti mirayiridzo yako ivandudzwe, kunyange iwe uchifanira kukwanisa kubvisa mari yakawanda maawa makumi maviri asati apera. Kana iwe usine chokwadi chokuti biller wako achakumbira chikumbiro chako (sezvazvakangoitika kune vamwe vasina kukanganisa mari), unogonawo kukumbira bhanjeri yako kuti ibatsire.
Kuisa ACH Payment
Kana iwe wakambopa mvumo yekubhadhara ACH uye iwe haugoni kudzosera zvikwereti chero ipi zvayo, zvingave zvichibvira kurega kubhadhara sekunge iwe waizoita cheki. Kuchengetedza bhengi rako kurega kubvumira mari kusiya mari yako, zivisa bhanki rako mazuva matatu kusati kwatongwa. Tarisira kubhadhara mari yakaderera, uye zive kuti mari yeramangwana inogona kugogodza akaunti yako. Kana dambudziko iri richienderera mberi, iwe ungada kuchinja kune imwe gwaro rebhangi.
Kunyengera uye Zvikanganiso
Vatengi ( asi kwete mabhizinesi ) vanowanzochengetedzwa kubva pamakanganisa uye kushandiswa kwemagetsi kwemagetsi pasi pemutemo wehurumende . Zvisinei, zvichienderana nemamiriro ezvinhu iwe ungada kuite nekukurumidza kuti udzivirire zvizere (zvinhu zvinogona kuve zvakanyanyisa kana iwe wakashandisa kubhadhara kushandiswa kwepaIndaneti kana app , somuenzaniso). Zivisai bhadha yako nokukurumidza kana zvichiita mushure mokunge waona kuti chimwe chinhu chakashata - mukati mazuva maviri yakakodzera.
Kana iwe ukamirira mazuva anopfuura 60 mushure mekunge bhanhire rako richitaura chirevo, iwe unogona kunge uri kukonzera chero kurasikirwa-panzvimbo yekuva nemari yekudzorerwa, iwe uchazofanira kuwana mari neimwe nzira.
Bhizimisi dzinofanirwa kunyanya kunyatsoongorora nezveACH inodzingwa kubva kune dzimwe nhoroondo nokuti mitemo yemutemo yekuchengetedza vatengi haifaniri kuvhara mabhizimusi emareji. Kuti udzivise zvinetso, bvunza bhanjeri rako pamusoro pezvinogadzirisa izvo zvinodzivisa kuendeswa kusina mvumo (zvakadai seACH Block neACH Filter services).
Direct Deposit Changes
Kana iwe ukagamuchira kubhadhara mari yakananga mwedzi mumwe nomumwe uye unoda kubhadhara kuti upinde mune imwe kambani, taura nekambani inotanga mari yacho nokukurumidza. Vapei zvinyorwa zvitsva zvebhengi yako, kusanganisira nhamba yebhangi yekuverenga, uye vakuudze kuti vabvise ruzivo rwekare yekambani. Kushandurwa kwebhengi kwemuti uyu kunogona kutora chero kupi zvako kwevhiki mbiri kusvika pamwedzi kuti uzadze zvizere, saka iva nechokwadi kuti haufaniri kuvhara chero maakaiti kusvikira dare rapera.
Kuti uwane mirayiridzo yakajeka, onai Kuchinja Mabhengi .
Wire Transfers
Nheyo dzinoshandiswa dzakasiyana nedzebhadharo yeACH , uye kazhinji haigone kuchinjwa. Nhepfenyuro dzinoshandiswa dzinoitika zvishoma kana zvishoma pakarepo, pamwe chete nemari inobva kubhuku rako uye nekusvika kwavanopinda musi iwoyo. Vanowanzowanika pakuregera nokukurumidza, izvo zvinoita kuti zvive zvakaoma kuwana mari.
Cherechedza: Nyaya iyi yakarongedzwa kubva kune yakatanga naJustin Pritchard.