Zvinosuruvarisa, dzimwe nguva pane dambudziko: bhangi rako rinoisa mari, uye haugoni kubvisa mari kana kupedza paunenge uchida. Mari yako yebhangi mari yakagadziriswa , pamwe chete nehurumende yemitemo, inotsanangura kunyatsotora nguva yakareba sei.
Mari dzinowanikwa
Mari inowanika inangwa inotsanangura kuti ndeipi nguva yaunoda kumirira kupedza kana kubvisa mari mushure mekunge maita mari. Mabhangi anodikanwa kupa ruzivo urwu kuti urege kubatwa nekushamiswa, kunyange zvazvo vanhu vazhinji vasingazvizivi nezvemitemo iyi kusvikira vakamira vachimirira mari yekudzima.
Zvinyorwa pamusoro pebato rako rebhangi rinofanira kunge riri chikamu chechibvumirano chako chebhuku kana chakabatanidzwa pane zvimwe zvinyorwa zvinopiwa nebhangi rako.
Kubata Deposits
Paunoisa mari kubhadha yako, bhangi inowanzoisa mari iyo, zvichireva kuti unoda kumirira zuva rimwe chete bhizinesi usati washandisa mari. Kunyanya ne checks nemari , mabhandi haakwanisi kuva nechokwadi chokuti mubhadharo wakarurama, pamwe nemari haisati yasvika kubhangi rako kwemazuva mazhinji ebhizinesi (kana kupfuura) mushure mekunge maita mari yako. Nzvimbo yacho inotarisirwa kudzivirira bhanhire kubva pakurashikirwa nemari.
Izvi zvinokuchengetedza iwe kusvika pamwero, asi iwe pakupedzisira iwe unotarisira chero mari yaunenge waita ku-akhawunti yako. Kana bhengi yako ichikubvumira kutenga mari yekuchechedza iyo inokurumidza kuunza (iyo inogona kuitika mavhiki mashomanana mushure mokuita mari yacho ), iwe unofanira kubhadhara mari uye iwe unofanira kudzorera kubhengi nemari yavakakupa - kunyange zvazvo hapana chazvo chaiva mhaka yako.
Ndosaka iyo inobhadhara kuongorora mari yekufungidzirwa kwekufungidzirwa , uye kudzivisa kutora mari kubva kune chero munhu wausingavimbi.
Holding Times
Mitemo yehurumende inogadzirisa kuti mabhengi angasimudzira sei mari yavo yekuwanika mitemo. Mabhangi anobvumirwa kunge asina kuoma kana achida-anogona kuita mari inowanika pakarepo, uye kazhinji vanoita-asi havagoni kuchengetedza mari nokusingaperi.
Kana pane chibvumirano pane mari yako, bhangi rinofanira kukupa zuva rokubudiswa pane risiti. Mune zvimwe zviitiko, vanowedzera mubasa gare gare (uye vanokutumirai chiziviso), saka iyo pfungwa yakanaka kutarisa account yako isati yapedzwa kana uri kutsika pasi pamari.
Zuva rebhizimisi rakatevera: mabhanga akawanda anoti "kazhinji" vanoita mari iripo pamusi webhizimisi mushure mekunge maita mari, asi pane zvimwe. Mari inoshandiswa kumushandi webhangi inofanira kuwanikwa mukati mezuva rimwe remabhizimisi (uye iyo mari inowanzowanika pakarepo). Mamwe marudzi eongororo anofanirawo kuwanikwa mune rimwe zuva rebhizimisi:
- Bhizimisi reBhishopi rinotarisa sechecashier's checks
- Checks yakabudiswa neUnited States Treasury (yakadai sekubhadharwa kwemitero kana Social Security)
- Checks ye $ 200 kana pasi
- Cheki dzinotorwa pabhangi rimwe rauri kuisa kune
- USPS mari yemirayiro
Kana chikamu chose chekuiswa ne cheki muzuva rimwe chinodarika $ 5,000, kana kana chekiti ichibvumirwa nemumwe munhu kunze kwomutengi waakabhadhara , mabhandi anogona kuwedzera.
Imbiyuta inobhadhara seferi inoshandiswa uye inowanikwa mari inowanikawo mune imwe zuva.
Mazuva emabhizimusi anosanganisira mazuva evhiki asina mazororo.
Yakareba Kubata Nguva
The Expedited Funds Availability Act (Mutemo CC), iyo inoisa mitemo kuti mabhanki anoda kukurumidza sei kusunungura mari yako, inobvumira nguva yakareba nguva yakawanda mune imwe mamiriro ezvinhu. Izvi zvinowanzodanwa kusarudzwa .
Kana chimwe chikamu chinoshanda, bhangi ringabata mari ye "nguva inonzwisisika" yenguva. Nguva iyoyo haisi yakatsanangurwa zvakananga, asi mazuva mashanu ebhizinesi kana kuti akadaro anenge akadaro sezvaunofanirwa kumirira.
Zvinopfuura $ 5,000: Kana iwe ukaisa mari inopfuura $ 5,000 muongororo-kunyange chekuongorora chepamutemo kana hurumende yekuongorora-bhagheni inofanira kuita kuti $ 5 000 yekutanga inowanikwa mukati mezuva rimwe bhizinesi, asi chibatiso chinogona kuiswa pachiyero chinosara.
Redeposited checks: Kana chekiti ichidzikinurwa (nokuti yakarohwa kana yakatanga kuiswa), bhangi inogona kuwedzera kwenguva refu.
Iwe unofanirwawo kuva nehanya neavo chekuongorora.
Nhoroondo yepamusoro yekubhadhara mari : Overdrawing account yako (kana kushandisa mari yakawanda kupfuura iwe uripo muakaunti) haisi kungokonzera mari yakawanda yebhangi -inogonawo kutungamirira kubata pamari yako, izvo zvinoita kuti zvive nyore kuti iwe uende kusvika kune zvakaipa.
Kusava nechokwadi kunonzwisisika: Kana bhengi rinopokana kuti cheki haicharemekedzwi, vanogona kuwedzerwa nguva yakawedzerwa. Zvikonzero zvakajairika zvinosanganisira kuongorora kwemashure uye cheki izvo zvinopfuura mazuva makumi matanhatu apfuura.
Nhoroondo idzva : Bhengi mabhuku matsva anonyanya kuipa kumabhangi. Kana nhoroondo yako iri pasi pemazuva makumi matatu, tarisira kuva nemacheke akachengetwa kwemazuva mapfumbamwe. Zvisinei, kubhadhara magetsi uye chekuongorora hunofanirwa kuve nekuda kusarudzwa kwemazuva ano.
Cherechedza kuti mitemo iyi inoshandiswawo kune vezvematongerwo enyika ehurumende.
Yeuka kuti mazuva ebhizinesi ndiwo mavhiki mashoma. Mavhiki ekupedzisira uye mazororo ehurumende anowira pamasikati ezuva anononoka kuderedza nguva .
Cherechedza Nguva Yakagurwa
Nguva dzose inokosha kuti ureve mazwi ako. Kana ukaisa cheki, unofunga kuti iwe wakazviita "nhasi." Zvisinei, mabhengi akaiswa nguva dzakatemwa dzinogona kunge dziri pakati pemaawa masikati maunogara. Kune Bhizinesi reAmerica, inenge 2 masikati. PaChese Bank, ndiyo apo bazi rako rinovhara. Paunenge uchiita chikwereti chakakosha, bvunza muudze kuti chii chaunofanira kutarisira maererano nemamwe mabhii (zvakare, reti yako inofanira kukuudza iwe zvakare).
Kana ichinge ichinonoka zuva, unogona kunge uri nani paunenge uchiisa paATM kana kuti nemushandi webunhare yebhangi yako (nokunyora chinyorwa cheko chekuongorora ) -kudaro nzira idzi dzinowanzopedza nguva. Zvisinei, iyo nzira inogona kutsvaga: nokuti iwe hausi kuisa mu-munhu kumushandi webhangi, zvimwe zvinetso zvinogona kubuda - kunyanya paATM zvisingagoni kuwana mufananidzo wekutarisa kwako. Iyo nzira inonyanya kukosha kana iwe usingadi mari yose uye account yako iri mumamiriro akanaka. Bvunza vashandi vese kuti chii chiri nani mumamiriro ako ezvinhu.