Sezvakanyorwa izvi, Mumiririri aibhadhara 0.5% APY. Kuenzanisa, CapitalOne 360 yaibhadhara 0.75% APY, uye vamwe vairipira kaviri kana katatu zvakanyanya seEmigrant.
Mitengo inogona kuchinja panguva ipi zvayo, saka zvakanakisisa kuongorora mitero yezvino paEmigrant Direct's website.
Overview
Iko kunonyanya kukwezva kuEmigrant ndiyo High-Interest Savings Account. Kana iwe ikozvino uchengetedze mari yako pane bhangi-uye-mortar bank , pane mukanano wakanaka unogona kuwana zvakawanda paIndaneti .
Mutero usingaiti : Mutungamiri Wekutsvaga haatengi mari yepamwedzi yevashandi vebhadha, saka mari yako haigoni kupera zvishoma kana ukasiya kamba chete iwe kwenguva.
Kwete zvishoma: Sezvakawanda mabhengi epaIndaneti, kambani yekuchengetera haina zvigadziri zvishoma zvinorehwa zvinodiwa kana kuti zvishoma zvishoma kuvhura dhipatimendi.
Online-chete: Emigrant Direct ndeyebhengi-bhengi bedzi. Iwe haugone kushanyira bazi, asi iwe unogona kuita zvakanakisisa zvose zvaunoda pane webhusaiti, uye vamiririri vevashandi vanobatsira vatengi vanowanikwa nefoni. Iwe unogona kutumira mameseji muhomwe yako yokutanga, asi mushure maizvozvo, iwe uchada kuisa mari pamagetsi.
Kufanana nenhoroondo dzakawanda dzepaIndaneti, nhoroondo iyi ingangodaro yakakosha pakuvaka mari yausingadi kushandisa munguva iri mberi. Iwe unogona kunyange kuvhara mari yako kuDCD nokuda kwechimwe chido. Kunyange zvazvo zviri nyore kuendesa mari kumashure nepamusoro kune compte yako yekubatanidza, iyo inotora mazuva mashomanana.
Kutsvaga Zvishoma?
Kushandisa mari yako: Kana iwe uchida kukwanisa kuwana mari nebhadhidhi yebhadhiro (kana kuti kuongorora kambani yekambani nechechi imwechete), Emigrant Direct ingasave yakakosha iwe. Tarisa kune vamwe vakaita se CapitalOne 360 kana Ally Bank kune mamwe maitiro.
Mobile inopa mari: Kukunda mwoyo yevashandi ve-tech-savvy, Emigrant Direct inofanira kukunda dambudziko guru: Vatengi vanoenda kune dzimwe nyika havagoni kuisa cheki nefoni . Mazuva ano, mabhanga makuru eIndaneti-uye kunyange matombo-uye-matumba emasangano-anopa basa iri.
Bhengi
Emigrant Direct iri kubudiswa muIndaneti yeEmigrant Bank, iyo iri muNew York. Bhizimisi reEmigrant rinoshandisa mabhizimusi eIndaneti pasi pezita rinonzi MySavingsDirect.com uye DollarSavingsDirect.com. Aya mawebhusayithi anooneka akafanana zvikuru neEmigrantDirect.com, kunyange zvazvo zvirongwa zvemavara uye logos zvakasiyana, uye inhamba yemitengo inosiyana kubva kubhangi kusvika kubhangi. Kana uchida MuEmigrant, iva nechokwadi chekufananidza zvipo uye zvinoda pamwe nemamwe mapoka. Munguva yakapfuura, muEmigrant akapa zvikwereti zvakanakisisa pamabhengi ayo matsva ari paIndaneti, achibvumira kuti zviyero zviwe mumabhuku makuru.
Mumiriri we FDIC anotsigirwa semunyorwa uyu, saka mari yako yakachengeteka kubva pakundikana kwebhangi , asi mari yebhangi inotaurwa pamusoro apa yose yakabatanidzwa kana kuverenga kuvhara kwe FDIC.
Mune mamwe mazwi, unofanirwa kuchengetedza mari yako yakabatanidzwa pamabhanki eEmigrant uye zvikamu zviri pasi pemutsetse we FDIC. Sekunyora uku, FDIC inosvika kusvika ku $ 250,000 pamubhadhari wega wega nebazi.
Iyo inoshanda sei
PaEmigrant Direct, iwe unoita zvose paIndaneti, uchitanga nekuvhura account yako . Kutanga hurongwa, shanyira EmigrantDirect.com. Iwe unofanirwa kugovera ruzivo rwemunhu pamwe nemamwe mashoko pamusoro pekero yako yekuongorora iripo pane brick-uye-mortar bank.
Ita kuti ruzivo runotevera ruvepo musati watanga:
- Tsvaga ruzivo, kusanganisira zita rakazara uye kero yekutumira
- Nhamba Yekuchengetedzwa Kwemagariro, Nhamba Yechirwere Chetero, kana yakafanana
- Nhoroondo pamusoro pebhuku rako rezvitini-uye-rekare, iro richabatanidzwa neEmigrant ( nhoroondo yako uye nhamba dzekufamba , pamwe nezita rebhangi)
Iwe unogona kuita yako yekutanga kubhadhara ne cheki, asi Emigrant Direct haazobvumi mari yakawedzerwa ne check.
Iwe unofanirwa kubatanidza kero yako yekutarisa kuAmerican Dream Savings Account kutumira mari. Kuti uite chikwata chekutanga, tarisa kero yako yekuongororai mabhokisi maduku maviri e "test" uye chengetedza izvo zvekutengesa neEmigrant Direct. Iwe unogona kubatanidza imwe yekodha yekuongorora, asi iyo inotambudza-iwe uchada kutumira mune chekuvharidzirwa pasi pamwe neforomu (mabanki mazhinji anokubvumira kuti uwedzere maakaundi akawedzerwa paIndaneti ).
Mabatiro evatengi
Kubva pakuongororwa uye mitsva inobva kunzvimbo dzakasiyana-siyana dzakasiyana, zvinoratidzika kuti vateereri vekambani vanonyanya kugutsikana neEmigrant Direct's customer service. Kana pane dambudziko, rubatsiro kubva kune munhu chaiye runowanika, uye maawa ekushanda anofanira kugara maererano neanenge pane imwe nguva.
Zvausingadi Kuda
Kunyange zvazvo Emigrant Direct iri mari yakakwana yekuchengetedza, bhangi hairi kuratidzika kuzvipira kugadzira michina yavo nekuunza vatengi vatsva. Inharaunda inofarira inogara yakaderera pane mamwe mabhizimisi emakwikwi emakondani. Asi MySavingsDirect.com ine purogiramu iri nani kupfuura Emigrant, iyo inokuita kuti unetseke kuti nguva yakareba Emigrant Direct vatengi vanonzwa sei nezvebhangi idzva.
Emigrant Direct's website inotarisa zvishoma, uye inoshandisa mapeji emari yekushandisa riskier pamba pekutanga (nhumbi dzinokosha uye mabhenji anoiswa mberi). Yeuka kuti kana iwe ukashandisa chero chinhu kunze kwemiti yebhangi yebhangi-inshu, unogona kurasikirwa nemari.
Pakupedzisira, Emigrant Direct haigoni kupa gomba rekuisa kure. Izvi zvinogona kunge zviri kuedza kuisa njodzi, uye hazvisi izvo zvakaoma kuisa kubhuku rako rezvitini-uye-rekare, asi zvinoita sokuti vatengi vanofanira kupiwa mubayiro nechepamusoro-soro ( APY ) mukudzoka pangozi shoma pane banking side.
Kana iwe uine mukana mukuru wekodha uye uwedzere mari yako yepamusoro ndiyo inonyanya kukoshesa, Emigrant Direct ingangodaro haisi bhangi iwe. Asi kana uchinge uine mari neEmigrant uye iwe unogutsikana nemari yako yaunowana, pangasava nekukurumidza kuchinja.