Chii chaunotarisira usati watanga nhoroondo
Low Fees
Chimwe chezvinhu zvinonyanya kukosha mubhengi rako rebhangi rinotevera rinofanira kunge rakagadziriswa mari yekugadzirisa - zvakashata pasina mari zvachose.
Bhizimisi inowanikwa nyore nyore kuburikidza nechinangwa chipi zvacho chaunowana muakaunti yako, uye zvinowanzogadzirisa mwedzi mari yekuchengetedza inokuisa mukutora-up mode usati wawana mukana wekushandisa kero yako.
Kuongorora pachena hakuna kufa. Kuwana kero risina mari-soro kunonyanya kuve nyore kana iwe wakasununguka kubhengi rekuInternet , asi iwe unogona kukwanisa kuwana rusununguko kutarisa zvidhinha-uye-mortar masangano munzvimbo dzakawanda zvakare. Zvikwereti zvekwereti, kunyanya, zvinowanzova sarudzo yakanaka yekutarisa pasina , uye mabhenji maduku ariwo akakodzera kuongorora.
Fee Waivers
Kana iwe usingagoni kuwana kero yakakwana yega, kukodzera kubasa rekusununguka ndicho chinhu chakanaka chinotevera. Mazhinji emabhangi nemakambani emakwereti anotsigira mari yekuchengetedza uyewo anopa nzira dzekudzikisa mari iyo: kana ukawana zvimwe zvinotarisirwa, mari yacho icharegererwa. Semuenzaniso, kana iwe ukagadzirisa zvakakwana mari yako nemushandirwi wako kana kuchengeta chimwe chimwe munyaya yako, iwe unodzivisa kuchengetedza kwemwedzi pamwedzi .
Zvisarudzo zveWeddraft uye Insufficient Funds
Mimwe mari inosvika chete inouya neakaunti yako, uye vamwe ndeye chikonzero chekutengeserana munhoroondo yako. Overdraft kudzivirirwa ndeye basa raunosarudza raunogona kuwedzera kuakaunti yako, asi iyo inenge yakaipa pfungwa kana iwe uchinyatsoshandisa sangano: mabhaningi anowanzobhadhara anenge $ 35 nokuda kwekodzero yekushandisa kadi yako yebhengi kutenga chimwe chinhu kana iwe uchitarisa nhoroondo haina chinhu.
Izvozvo zvakati, pane dzimwe nguva iwe uchaguma ubhadhara mari isingakwanisi mari - kunyange iwe ukasarudza -kunze kwekuchengetedzwa kwe-overdraft (kusarudza kunze kunobata chete imwe nguva yebhanji rekutengesa kadi). Mari iyo inenge yakaipa seyodzero yefredraft. Kana uri kubhadhara, zvakakosha kuziva kana bhangi yako ine zvigadziriswa sarudzo. Iwe unogona kukwanisa kuendesa kubva kubhengi yako yekuchengetedza (iyo inogona kunge inodhura $ 10 kana zvakadaro) kana mutsara wekubhadhara mari yechikwereti .
Mobile Deposit
Bhengi imwe neimwe ine webhusaiti inokubvumira kuona mabhizimisi e-akhawunti yako uye kuendesa mari pakati peakaunti. Mahombekombe mazhinji anopawo mapurogiramu uye webusaiti yepafaira yakagadzirirwa foni yako kana tablet (uye iyo mapurogiramu ose anoita zvakawanda kana zvishoma chinhu chimwe chete). Saka chii chaunofanira kutarisa mubhigi rako rinotevera?
Munguva yebhangi rekuInternet, pane mamiriro mashomanana maunoda kuti iwe uende kubazi (izvo zvinoreva kusangana nemigwagwa, mitsara, uye maawa ekubhadha). Kuderedza cheki ndeimwe yemamiriro ezvinhu aya - unoda kuwana cheki mu account yako nekukurumidza.
Nenzira yakanaka, iwe unogonawo kuisa cheki nokutumira mufananidzo kubhangi rako - hapana mutauri anoda. Basa racho rinowanzosununguka, uye iwe unogona kukwanisa kuisa muakaunti yako shure kwemaawa ebazi.
Anenge chero chipangizo chefoni chine kamera chichaita zvinyengeri, asi chinangwa chakanaka chekuita kuti bhangi yako ive nekombiyuta yekushandisa yako.
Iwe haungatori macheke akawanda, asi kana iwe uchiita zvakanaka haufaniri kushanyira bhangi rebazi. Cheki zvichiri kushandiswa pakukosha (kazhinji huru-dollar) kutengeswa apo hupenyu hwako huri kuchinja: basa idzva, imba itsva, zvichingodaro. Mobile check check deposit inoita kuti kuchinja ikoko kuve nyore nyore.
Somumhanyi-kunyanya kana iwe pane dzimwe nguva uchida kuisa mari - iwe unogona kusarudza bhangi rine maATM akawanda anogamuchira mari .
Online Transfer na Bill Pay
Mari ndiyo magetsi. Iva nechokwadi chokuti unogona kushandisa zvinyorwa izvi.
Pachinhu chiduku, bhangi rako rinofanira kupa pachena kushandiswa kwemutengo wepaIndaneti . Iwe unoda kukwanisa kuronga mari kubva kune imwe nzvimbo, chero nguva (ingave bhadha rako rinonyora uye mairi cheki kana kutumira mari neACH).
Chimwe chinhu chinonyanya kukosha kukwanisa kuendesa mari kune imwe bhangi yebhangi. Iwe unogona kuchengeta nhoroondo kumabhanga akasiyana-siyana, rimwe nerimwe rinoshumira chinangwa chakasiyana: rimwe bhangi ringabhadhara APY yakakwirira pakuchengetedza uye imwe inogona kupa mvumo yeATM yakakodzera. Kunyatsofambisa mari kumativi-kana kunyange kushanda ne checks - is cumbersome, uye firiji kuwedzerwa inodhura zvikuru kwezuva nezuva. Sarudza bhengi inobvumira kubhengi-kubhangi kuchinja kuitira kuti ugone kutamisa mari nechinguva chiduku .
Unoda kutumira mari kune shamwari nemhuri (kubhadhara chikamu chako chekudya, semuenzaniso)? Dzimwe mabhangi anopa maitiro ekubhadhara munhu (to-person) (P2P) pamwe chete. Pamusoro pezvikamu zvizhinji, mabasa aya ibhangi-yakananga, uye inobatsira zvikuru apo munhu wose anobatanidzwa anoshandisa bhandi rimwechete. Kana munhu wose ane bhandi yakasiyana, iyo inowanzotarisana, pane kazhinji kacho chakanakisisa .
ATM dzakasununguka
Mari haisi nguva dzose yemagetsi. Pasinei nokuti uri kuenda kune imwe resitorendi isingagamuchiri plastiki kana uri kutenga zvikamu zvakashandiswa paC Craigslist, dzimwe nguva yekare-yakaita mari ndiyo nzira chete yekuenda nayo.
Kuwana mari kwakaoma sekushanyira ATM, uye hapana kushayikwa kweavo, asi iwe uchabhadhara mari yakawanda kana ukashandisa chero ATM kunze kweATM yako yebhanki. Mushure mebhenekeri rako uye mutengesi weATM achikutora, iyo mari inopedzisira yava yakakwirira mumitengo yemagetsi.
Kana iwe ukaenda kuATM pane dzimwe nguva shomanana pagore, tsvaga nzira yekuderedza mari iyo. Iwe unogona kushandisa nguva dzose ma ATM ayo ari chikamu chebhangi rebhangi rako pasina (kana, kana ukashandisa chikwereti chebato , pane mukana wakaisvonaka waunogona kushanyira imwe ATM yekodhi yemubhengi pasina chairo).
Kana kushandiswa mu-network network ATM isati iri sarudzo, shandisa bhangi inotsigira mari yako yeATM. Mabheji akawanda (online uye zvidhinha-uye-matope) anopa izvi. Iva nechokwadi chekuverenga zvakanyorwa zvakanaka kuti uwane pamusoro pekukanganiswa chero kupi zvako - kunogona kunge kune mwedzi wepamusoro wemadhora mwedzi mumwe nomumwe, uye mamwe marudzi emari yeATM haagoni kuvharwa.