Vatengesi vanogona kuwana kadhi rebhadharo rebhadharo risati rapiwa pasina cheki chekwereti uye kunyange kana vane rekodhi mu ChexSystems. Kwete kuti urege kuvhiringidzwa nezvikwereti zvekwereti, makadhi ekubhadharwa anofanira kubhadharwa nemari usati waita kutenga. Iwe hauna kutakura chikwereti, hapana chekubhadharwa kuripo pamwedzi pamusana uye pasina chido chokubhadhara. Funga nezvayo sekadhi yebhadharo pasina kero yekuongorora yakaiswa.
Paunenge uchisarudza kadhi rakabhadharwa, iwe unoda kutarisa zvinhu zviviri zvakakosha: iwe unogona sei kutakura mari uye nyore sei mari inowirirwa kadhi. Izvo zviri nyore kutakura uye mari shoma yaunobhadhara, zviri nani. Makadhi akabhadharwa pamatambudziko edu ane zvikwereti zvakasiyana-siyana uye zvinoshandiswa - zvimwe zvinokupa mukana wekubhadhara zvikwereti zvekuchengetedza zvikwereti zvinoita kuti iwe uwane chikwereti pamari yako.
01 Zvakanakisisa Kuti Uwane Makomborero: American Express Serve Cash Back
American Express Kushumira Cash Kare kare makadhi ekubhadharwa kare ndiyo kadhi chete yepayidi inobhadhara mubayiro pane zvaunotenga. Vashandi veKadhi vanobhadhara chikamu chimwechete chemari kare shure nguva dzose pavanotenga nebhadhiro yavo yekubhadhara.
Kana iwe uchifunga kuti uchapedza mari inodarika $ 600 pamwedzi pamakadhi ako okubhadhara, iwe uchabatsirwa nokuva neAmerican Express Serve Cash Back. Nei $ 600? Iyo Inoshumira Mari Yemajeri Kudzo inopomerwa $ 5.95 mari yemwedzi wega-iwe uchada kushandisa mari inenge $ 595 pamakadhi ako kuti uputse kunyange. Hapana mari yekuwedzera yemari yakananga uye mari ye $ 3.95 pamari reloads.
Kadhi yako inouyawo nemitengo yekudzivirira kutenga. Kana chimwe chinhu chichiitika kune chimwe chinhu chawakatenga pane kadhi yako yekubhadhara mukati mazuva makumi mana kubva musi wekutenga, American Express ichadzorera iwe kusvika $ 1,000.
Cherechedza kuti Amex Serve ane mamwe maviri akasiyana-siyana: Classic iyo inobhadhara mari isingabhadharwi pamwedzi chero bedzi iwe uine mari inosvika $ 500 uye FREE REload, iyo inokwereta $ 4.95 pamwedzi, asi haibhadhara mari yekubhadhara mari kuakaunti yako.
02 Best for Low Fees: Bluebird neAmerican Express
Heino imwe kadhi yakabhadharwa kubva kuAmerican Express. Iyo Bluebird neAmerican Express inofadza kune vanhu vanoda kumira mari. Hapana mari yepamwedzi, hapana mari yekubhadhara mari, hapana mari yekubhadhara zvakakwana uye pasina mari yekubhadhara mari. Hapana mutoro unorema kutakudza kana iwe uchizviita kuburikidza nemari kana debit kadi paWalmart kana paIndaneti ine kadhi yebitengo.
Iwe unogona kunge uchibhadhara kusvika ku $ 5 kana ukawana kadhi rako rechikwereti kubva panzvimbo yekutengesa. Pane mari ye $ 3.95 yekuisa mari kune dzimwe nzvimbo dzekutengesa. Kuenda kweATM kunosununguka kana ukashandisa MoneyPass ATM. Kana zvisina kudaro, iwe uchabhadhara $ 2.50 mari yeATM.
Bluebird neAmerican Express inokupawo rubatsiro rwekubhadhara mari uye kushandiswa kwemafoni - chimwe chinhu chinokubvumira kuti uise cheki dzepamhanho zvakananga muakaunti yako yepayidi. Mari dzinowanikwa kuburikidza nemotokari check capture dzinowanikwa kusvika kune mazuva gumi pasina mari kana iwe unogona kubhadhara mari yekuwedzera kuti mari iwanikwe mukati memaminitsi.
03 Best for High Yield Savings: Mango Visa Card Prepaid
Muchengeterwo weM Mango Visa Prepaid unouya nechipo chekuchengetedza chinokubvumira kuti uwane imwe yezvibereko zvakakosha paripa yako yekuchengetedza. Paunenge uzarura gwaro rekuchengetedza nekadhi yako yeMango, iwe uchakwira kusvika pa6 kubva muzana APY uye sarudzo yekuita nhanhatu dzinoendeswa kumwedzi mumwe nomumwe. Iwe uchada mutevedzeri wemari yakakwana ye $ 800 uye uwandu hwemadhora e $ 1.00 pamagumo emwedzi kuti uwane zvakakosha pamatanhatu APY.
Hapana chekubhadhara mari, pasina kubhadhara kushandiswa, uyewo pasina mari yekubhadhara mari yekubhadhara (kubva kuMango Bank yako inogona kubhadhara mari). Mari yekubhadhara iri nyore: iwe uchabhadhara $ 1 kuti uite ATM yemari yekutsvaga, $ 2 mari yekubvisa mari yeATM, $ 3 mwedzi yemwedzi, uyewo mazana maviri emari mari yekutendeuka kwemari yenyika yose.
Iwe unogona kushandisa Mango yako Prepaid Visa chero kupi zvako Visa inogamuchirwa uye kutarisira nhoroondo yako ne smartphone.
04 Best for Secure Online Purchases: Movo Virtual Prepaid Visa Card
The Movo Virtual Prepaid Visa ine nzira yakasiyana-siyana yekudzivirira kutengesa kwako kwekutenga muInternet. Iwe unogona kuumba kechipiri chechipiri chekadhi ine nhamba yake yekadhi. Shandisa iyi nhamba yekadhi yakachengetwa yekugadzira zvinhu zvepaIndaneti paunenge uchidzivirira nhamba yako yekutanga nenyaya kubva kune hacks uye kuputsa kwedhesi.
Shandisa kadhi yekuita paIndaneti uye mukati-munhu kutenga. Tsvaga network yeATM isingabhadhari inopfuura 6,000 ATM. A $ 2 mubhadharo inobhadharwa nokuda kwekuregera kunze kwemutambo, kunze kwebhadharo yakapomerwa neATM. Iwe uchazobhadharwa $ 1 mubhadharo kana mutambo wako weATM wakaramba, somuenzaniso, kana iwe uchiedza kubvisa zvinopfuura chikamu chako.
Iwe une maitiro akasiyana-siyana ekugadzirisa zvakare mari: kubhadhara mari, kubhadhara mabhangi, Paypal kana Venmo balance withdrawal, debit kadi kutengesa, kana mutoro wemari kune vatengesi vanotora chikamu. Zvimwe zvezvekushandisa zvakare zvinogona kutora mazuva matatu ebhizimisi kuitira kuti mari iwanikwe.
Iko hakuna mari yemwedzi kana mari yekushandisa kadhi. Iwewo hauzokwanisi kupiwa mhosva nokuda kwekusaita. Hapana mari yekutenga paunotenga neMovo Virtual Prepaid Visa.
Iwe uchabhadharwa masentimita makumi manomwe emari imwe neimwe yebhadharo.
05 Best for Deposits Direct: Paypal Prepaid MasterCard
NePaypal Prepaid MasterCard, unogona kuisa kadhi yako kuApaid yako yepaIndaneti kuti uwane ruzivo rwekutengeserana uye zvimwe zvinhu zvekuInternet kuburikidza newebhu kana nemushandirapura. Iwe uchakwanisawo kutumira mari kubva paApaid yako yePaypal kuApaid PayPal MasterCard yako.
Hapana mari yokutenga kana iwe uchiraira kadhi yako paIndaneti. Iwe unogona zvakare kutorazve paIndaneti kushandiswa kana kuti pane zvekutengesa zvekare zvakare.
Direct deposit is free. Kunyanya, PayPal Prepaid MasterCard inokupa kuwana mari yako kwemazuva maviri nekukurumidza kudarika mabheji emagariro.
Iva neruzivo rwekupa zvipo zvakakosha uye mari yekudzokera shure. Semuenzaniso, kana iwe ukazarura purogiramu yekuchengetwa kwemari yakawanda kuburikidza neThe Bancorp Bank, iwe uchawana mazana mashanu APY pazviyero kusvika ku $ 1,000. Sekuendesa mberi kukurudzira, iwe neshamwari yako mose munowana $ 5 paunotaura shamwari kune kadhi uye shamwari inobatsira uye inotakura $ 110 padhigiramu ravo.
06 Best for Sharing: Fifth Third Access 360 Reloadable Prepaid Card
The Fifth Third Access 360 Reloadable Prepaid Card ine mhando ye "mvumo yevashandi" inoita kuti iwe uwedzere mubati wekambani-kadhi kadi yako. Iwe unogona kuishandisa kushandisa kupa nanny kubhadharo yakabhadharwa kare kana kuti vana vanin'ina vako vawane kadhi kadhi rekare.
Iwe unogona kuwedzera nyore mutoro wemari nekuisa mari, kusayina kuti uende mari yakananga, kana kuti nokuendesa mari kubva kuChipiri chechitatu chekuongorora kana kuti gwaro rekuchengeta. Hapana mari yekuzarura kana kuwedzera kuakaunti yako kana kuti kubvisa kana kutumira mari kune kadhi rako. Iwe unogona nyore nyore kutarisa nhoroondo yako yekushandisa uchishandisa purogiramu yepurasi kana kubhengi kwepaIndaneti.
Mari yeM $ 4 yemwedzi inodzingwa kana iwe uine chechi chekuongorora chechipiri kana kuti uise $ 500 kana kupfuura kune kadhi yako mumwedzi wega wega. Iwe unogona kubvisa mari kune anopfuura 50 000 ATM isingabhadhara munyika yose. Kana zvisina kudaro, iwe uchabhadhara $ 2.75 mubhadharo paunoshandisa ATM yechitatu isiri yechishanu. Icho chiri pamusoro pemari chero ipi zvayo iyo mutengesi weATM anogona kutengesa.
Kadhi inokwereta imwe mimwe mitero: $ 5 yeAInternational cash withdrawal, mamiriyoni makumi maviri nemakumi maviri emadhora ekushandurwa kwemari, $ 30 inotengesa mari yekutumira; $ 80 mari yekugadzirisa.
07 Best for Chase Bank Vatengesi: Chase Liquid Card
Kana iwe uchigara mune imwe yenyika 23 ne Chase Bank, Chase Liquid Card ndechimwe chepamusoro chaunogona kuwana. Iwe uchanzvenga mari yakawanda yekubhadhara mari uchishandura ATM kuitira kutakura mari kana kubvisa mari. Hapana mari yekuzarura compte - kunyange iwe unofanirwa kushanyira davi rekutsvaga kuti uzarure account yako.
Mari dzinosungirwa kuActa yako FDC inopihwa kusvika kuhuwandu hwemari inobvumirwa nemutemo. Uye chip kuchengeteka inowedzera chimwe chiyero chekuchengeteka paunoshandisa yako kubhadharwa kadhi pane chip reader.
Imari ye $ 4.95 yemwedzi inovharwa kana kadhi yako yepayidi inobatanidzwa nekodzero yekutsvaga chengesi. Iwe uchabhadharwa $ 2.50 mubhadharo paunoshandisa ATM isingateereri kubvisa mari kubva kubhuku rako.
Panewo mari yekushandisa yako kadhi rechikwereti kunze kweUnited States, nokuti kune chekuita kana chekodhe chekodha yakadzoka, kana iwe uchida kutora chikadhi chako kana kana iwe uine mubhadharo kana zvigadziri zvinoshandiswa maererano neActa yako.
Kuzivisa
Pa The Balance, vanyori vedu vezviongorori vakazvipira kutsvakurudza nekunyora kufunga uye kuchinja maitiro ekuzvimiririra kuzvizvidzivirira kwezvinhu zvakanakisisa zvehupenyu hwako uye mhuri yako. Kana iwe uchida izvo zvatinoita, unogona kutitsigira kuburikidza neshamwari dzedu dzakasarudzwa, izvo zvinotiwana isu commission.