Ndezvipi Nhoroondo dzeBhangi Unoda?

Inzwisisikidzwa neBase Bank Basic Accounts

Paunotanga kutarisira mari, unogona kunge usingazivi kuti nhoroondo dzipi dzakanakisisa kuti uzarure. Munhu wose anofanira kuva neakawanda mabhuku maviri, chekuongorora uye account yekuchengetedza. Sezvaunotanga kuchengetedza mari yakawanda, kune mamwe mari ekuchengetera mazano ayo iwe ungada kufunga nezvekuzarura nokuti anopa chikwata chapamusoro. Kana ukangotanga kuisa mari, imwe yemari mune mari yako yekuchengetera mabhangi inofanira kuendeswa kune maakaunti ako ekutsvaga. Sezvaunofunga nezvemhando dzekodha dzaunoda, iwe unogonawo kufunga kuchinja kune bhanhire rega rega pane mamwe maakaita seakaunti yako yekuchengetedza. Iwe unogona kukwanisa kuwana chikwata chapamusoro chechibereko nenzira iyi. Unogonawo kufunga nezvekushandisa chikwereti chechikwata, icho chinopa kudzivirira kwakafanana nebhangi asi nemari shoma.

  • 01 A Checking Account

    Nhoroondo yekuongorora inokosha pakugadzirisa mari yako zvakanaka. Iwe unogona kuwana nepamusoro pemari bedzi chete, asi zvinowedzera zvakaoma kubhadhara zvikwereti zvako. Aunti yekuongorora ichakubvumira kubhadhara zvikwereti zvako uye nyore nyore kuwana mari yako. Paunenge uzarura kero yako yekuongorora, iwe unofanirwawo kuwana kadhi yebhadharo. Izvi zvinogona kushandiswa paATM, uye pakuchengeta. Inogonawo kushandiswa pakuita zvekutengesa kuIndaneti.

    Kana uri kuedza kuita kuti bhizinesi rako rezvemabhizimisi riparadzanise kubva pamari yako, iwe unogona kuzarura maakaunti akawanda . Iwe unogona kuzarura maakaiti akawanda ekuongororwa pabhangi rimwe chete kana iwe unogona kusarudza kuva neakaaka kumabhanga akasiyana. kana iwe uine kero imwe chete, iva nechokwadi chekuchengeta maakare akaparadzaniswa nokuti iwe unogona kubhadhara chikwereti kana iwe uchichishandisa nenzira yekutadza. Inogona kubatsira kuti uwane makadhi akasiyana-siyana uye cheki.

  • 02 A Account Savings

    Nhoroondo huru yekuchengetedza ndiyo imwe nzira yaungatarisa. Iwe unofanirwa kuva nenhoroondo imwe chete iwe unogona kuchengetedza mari zvakasiyana nedare rako rekuongorora. Chimwe chezvakabatsiro zvekambani yekuchengetera ndechokuti ine zvishoma zvishoma zvingoda kukosha. Icho chisarudzo chakanaka kune mumwe munhu achangotanga kuchengetedza mari. Chimwe chekusavadza ndechekuti chikwata chekufarira chikafu chiduku kudarika zvimwe zvingasarudzwa nekodha. Imwe nzira ndeyekutarisa kuzarura kambani yekuchengetedza iri muIndaneti kubva apo inhamba yezvikwereti inowanzokwirira kudarika mabhengi ebhengi.

    Kune vanhu vakawanda, kambani yekuchengetera ibhuku ravo rekutanga rebhangi. Iwe unokwanisa kuwana mari yako pakurambidzwa kana kuti nekadhi re ATM. Kana wakaita zvikanganiso uye uine ripoti ye ChexSystems , kambani yekuchengetera inogona kuva yako chete yekusarudza. Zvinogona kuva zvakaoma kugadzirisa mari yako neongororo yekuchengetedza chete.

  • 03 Mari Yenyaya yeMarike

    Nhoroondo yekakiti yemari ndeimwe sarudzo yekuchengetedza mari. Mari yekambani yemari inopa chikwata chapamusoro. Kana iwe uine imwe kuburikidza nebhangi, inovimbiswa neCDC. Iwe unokwanisa chaizvo kuongorora iyo nhoroondo. Iine nhoroondo yakakwirira zvishoma, uye kana iwe usingagoni kuchengetedza chikamu ichi iwe uchabhadhara mari. Iko yepamusoro yemari yekutora inenge isingakodzeri mari, kana iwe usingakwanisi kuchengetedza zvishoma zvido zvekudiwa. Nhoroondo yekakiti yemari ndiyo yakasarudzo yakakura yemari inoshamisika.
  • 04 Certificate of Deposit

    Zvitatimiti zveDhipatimendi kana maCD ndeimwe nzira inowanika pamabhangi. Iyi nhoroondo inopa chikwata chapamusoro, asi iwe unovhara mari yacho kwenguva yakareba yeCD. Nhamba yemari inofarira inogona kuramba yakaderera apo nhamba yezvibereko inowedzera. Uyezve, haukwanisi kubvisa yako usingatori chirango kusvikira nguva yeCD yapera. Ichi chinhu chakanaka kana uchichengetedza chimwe chinhu chaicho kana kuti chikamu chiduku chebato rako rekukurumidza.
  • 05 Overdraft Protection

    Iwe unogonawo kuzarura kuchengetedza kweredraft kana mari yekuchengetedza mari. Iyi nhoroondo ichakuchengetedza kubva pakudhura chetari yako chekuongorora. Imwe nzira yekudzivirirwa kwepasitoriki inobatanidza mutsara wechikwereti kuakaunti yako. Imwe nzira ndeyokuve neakaunti yako yekuchengetedza yakabatana seyodhadhi yako yepamusoro, uye mari ichaendeswa mberi. Zvakakosha kuziva kuti iwe haufaniri kushandisa zvibvumirano izvi kunze kwekunge kune dambudziko.

    Ushumiri hweBhanki pamusoro overdraft kudzivirira kuitira kuti uwane mari mumari kumutengi. Overdraft kudzivirirwa hazvifanani nekambani yemari yakachengetwa. Kuvharidzirwa kwereji yepamusoro kuchabhadhara mubhadharo wezvinhu chimwe nechimwe bhengi inokubhadhara iwe kana wapedza kubhadhara. Panogona kuva nemimwe mari yekutakura kutadza kusinganisi.

    Nhamba yemari yakachengetwa inongova chikwereti chechikwereti chakasungirirwa kuongororo yako yekuongorora. Iwe unokweretwa mari yekutsinhanisa (kazhinji izvi zviduku zvakapoteredza $ 5.00 pa $ 100 zvakatamiswa) uye zvino kufarira pamari yaunokwereta. Inhara yekutambira yakafanana neyero iwe waizokweretwa kune kadhi rechikwereti.