Maonero Ekuti Float Works
Maonero Ekuti Float Works
Kana iwe ukabhadhara ne cheki, mari haisi kubva paakaunti yako pakarepo paunonyora cheki (kunze kwekuti iwe uchishandisa purogiramu yemari yepaIndaneti uye bhanki yako inotora mari pakarepo).
Pane kudaro, mupiro wacho anofanira kuisa (kana kuti mari) cheki. Kunyange mushure mekunge cheki yacho yaiswa, inogona kutora nguva yekuti mari inodururwa kubva ku-akhawunti yako, kuitira kuti iwe unogona kuva nemazuva mazhinji ekufamba kwemaawa.
Muenzaniso: unonyora cheki chekutora chikwereti chako kana kuti chikwereti uye uchikanda muma mail. Uyu mutengi anokweretesa akaunti yako - iwe uripo pane zvaunenge uchibhadhara nekuda kwekuti cheki yakasvika panguva. Zvadaro, kambani yako inotora chikwereti ichiisa cheki yacho nekuitora kubhengi ravo (kuunza cheki kubazi, kutumira boka rekuongorora, kana kuisa cheki iri kure nekutora mufananidzo we cheki ). Bhengi ravo richakumbira mari kubva kubhangi rako, uye bhenji rako richabvisa mari yacho kubva pakero yako yekuongorora.
Pane nzira dzakasiyana-siyana dzinoita kuti basa iri rakanonoka:
- Kutumira tsamba kunotora mazuva anoverengeka
- Munhu anogamuchira anogona kumirira rimwe zuva kana kupfuura kuti aise cheki
- Bhandi wemubatsiri angatora zuva (kana kupfuura) kukumbira mari kubva kubhangi rako
Abusing Check Float
Kana iwe ukanyora cheki, iwe unofanirwa kunge une mari inowanikwa muakaunti yako kuvhara kubhadhara. Zvisinei, kuongorora hakuwanzogadziriswa pakarepo (kunyange zvazvo zvichibvira , uye iyo inoramba ichikurumidza kukurumidza). Somugumisiro, iwe unogona kurega ne "kutambisa float" apo iwe unyorera cheki usati wawana mari iripo.
Zvichida unoziva kuti zvinotora nguva kuti kubhadhara kuitwe, uye iwe unoziva kuti mubhadharo wako uchaiswa panguva ino. Zvimwe, iwe unogona kuronga kugamuchira (uye kuisa) cheki kubva kune vamwe-uchivimba kuti ani zvake akagamuchira cheki yako acharamba kuisa.
Munguva yakapfuura, zvakanga zviri nyore kushandisa zvakanaka nguva yekufamba. Iye zvino, zviri nyore kubatwa, uye migumisiro yacho inosanganisira mari uye mari, zvinetso zvepamutemo, uye kukanganisa kero yako .
Faster Processing
Chengetedza 21: muna 2004, Congress yakapfuura Check Check Clearing yeChishanu cheMakore rechi21 ( inozivikanwa seCheche 21 ). Uyu Mutemo unobvumira mabhangi kushandisa mashandisirwo emagetsi ekuongorora kuti aite zvakanyatsoshanda . Havana kutumira pepa racho kuti riongorore kune mumwe nemumwe zvakare - vanoshandisa chinzvimbo chekutarisa . Kunyatsoongorora zvifananidzo zviri mifananidzo yako yekare yekare, asi inofungidzirwa yepamutemo, uye inogona kushandiswa kubvisa mari kubva kubhuku rako.
Chengetedzo yekuongorora kutendeuka: kuongorora uko iwe unopa kune vatengesi kunogonawo kugadziriswa nokukurumidza. Kana mumwe munhu akakurudzira cheki yako kuburikidza necheki chekuchechedza panhamba ye checkout, cheko inogona kunge yakashandurwa kubhadharo yemagetsi , izvo zvinoreva kuti havadi kutora cheki iyo kubhangi.
Kukurumidza kubhangi kushandiswa kunoreva kuti iwe uchange uine nguva shoma yekuwana mari muchikwereti chako chekuongorora. Kunyange iwe unogona kunge uine vhiki kana kupfuura mumazuva ekare ekare, teknolojia yakashandura zvinhu zvakanyanya .
Mari, Mhosva, Mari
Kana iwe uchingobhadhara cheki, iwe uchabhadhara mari: bhanki rako uye wako payee achakubhadhara iwe.
Overdraft kuchengetedzwa: bhangi rako rinogona kufukidza cheki kana iwe une chirongwa chekudzivirira overdraft paAt account yako, asi inogona kukubvisa. Mari inenge ichingowedzera mumakore, uye iwe unogona kutarisira kubhadhara $ 30 kana kupfuura nokuda kwekudzivirirwa.
NSF: kana iwe usina huwandu hwekuchengetedzwa kweparejikiti pakero yako yekuongorora , bhangi rako ringazobhadhara mari nokuda kwekushaya mari - uye ivo vacharamba kubhadhara kune wako.
Kudzokorora cheki: kana iwe ukakonzera cheki uye bhangi yako isingabhadhara, iwe unotarisana nemari yakawanda.
Kutanga, mutengi wako anogona kutengesa "chekeri yakadzoka" mari, iyo inongova chirango chokukudzivisa kubva pakunyorera tsvina yakaipa. Iwe unogonawo kubhadhara mari yekubhadhara nguva pfupi kana iwe usingakwanisi kubhadhara uchishandisa nzira yakasiyana usati wabhadhara iwe.
Zvimwe Zvinetso
Zvichienderana nemhando yebhizimisi iwe unyorera cheki, zvinhu zvinogona kuoma. Mamwe makambani ekubhadhara mari haazoperi paimba yako kana iwe ukacheka cheki, asi inogona kureva kubhadhara kwekupedzisira kana iwe ukawa kwemazuva makumi matatu mushure mekubhadhara. Mukuwedzera, kugunzva cheki kungave kuputsa chikamu chako, chinokonzera zvinetso zvakasiyana-siyana.
Mamwe makambani ekadhi rechikwereti achawedzera chiyero chako (kana kubvisa chero matanho ekutsvaga ) kana iwe uchinge watora cheki kana kubhadhara munguva pfupi. Mamwe makambani emakadhi echikwereti angangobatanidzwa mukudya kwekudya kana uine chikamu chenyika chisipo .
Pakupedzisira, iwe unogona kuguma mune databases yevanhu vane nhoroondo yekunyora zvakaipa checks. ChexSystems nemamwe makambani ekubika vatengi vanochengetedza vanhu vanowedzera cheki uye vanoenda zvisina kunaka munhoroondo dzavo. Kana ukawana mukurumbira wekusava nehanya, mabhanga nevamwe vanogona kunge vasingadi kuita bhizinesi newe. Vatengesi vanoshandisa check check verification vangaramba kugamuchira cheki kubva kwamuri zvakare.