Tora pepa iroro mune chimwe chinhu chaunogona kushandisa
Kuderedza cheki ikozvino nyore kupfuura kare. Paunogamuchira cheki, uchiisa chikwereti ichocho chikamu chemari iwe unogona kushandisa. Mari yacho inogara yakachengeteka munhoroondo yako, uye une nzira dzakasiyana-siyana dzokushandisa mari: Bvisa mari, kubhadhara zvikwereti paIndaneti , tenga nekadhi yako yebhengi kana chekuongorora, kana kutumira mari pakombiyuta .
Saka unoisa sei cheki? Hazvisi zvakaoma, uye iwe unogona kusarudza nzira inofanirana nemararamiro ako.
Kwatingaita Dhipatimendi
Zvichienderana nebhangi kana chikwereti chekambani yaunoshandisa, unofanira kunge uine dzimwe nzira dzakasiyana-siyana dzekuisa.
Dhipatimendi nefoni yako yekushandisa: Inokurumidza uye yakanakisisa inoshandiswa ndeyokushandisa foni yako.
- Dharira purogiramu yako yebhangi. Iva nechokwadi chekushandisa purogiramu yakakodzera kuti urege kupa ruzivo rwebhangi kune mbavha.
- Tsvaga sarudzo yekuisa cheki uye kutanga chirongwa.
- Tsigira cheki (ona zvakaderera pasi).
- Tora mufananidzo wemativi ose echeki.
- Gadzirira tsanangudzo pamusoro pekuongorora. Iwe unogona kudikanwa kupinda muchiyero chebhadharo uye chengetedza kuti sangano rinoverenga nhoroondo uye nhamba dzekuendesa pane cheki zvakakodzera.
Kuti uwane mamwe mashoko, ona Nzira Yokuita Nayo Mobile Check Check Deposits .
Shanyira hofisi: Unogonawo kuisa cheki mumunhu pane imwe yematavi ebhangi rako. Kubatsirwa kwekuisa kune anotaura ndeyekuti mari yako yakawanda inogona kuwanika nokukurumidza nokuti mari yevashandi vebhangi inogona kujekesa nokukurumidza.
Kana ukashandisa chikwereti chebato , iwe unogona kuisa chekucheche pane chero chikwereti chekwereti chikamu chebato rakagadziriswa. Iwe haufaniri kushanyira chikwereti chako-iwe unogona kuenda kune (inenge) chero davi ripi neripi rinowanikwa uye rakazaruka paunenge uchida.
- Shandisa cheki.
- Dzadza chidimbu chekuisa mari , uye shandisa cheki kumutauri.
- Chengetedza bhaari yako yebhangi mushure mokubva kubhangi.
Dhipatimendi paATM: Dzimwe mabhangi nemakambani emakwereti anokubvumira kuisa cheki paATM, iyo inofanirwa kana iwe usingakwanisi kusvika kubazi munguva dzebhangi. Mabhandi akasiyana akasiyana-siyana (kana iwe uchida envelope uye slip deposit, somuenzaniso), saka verenga ma-e-screen mazano zvakanyatsonaka. Muzviitiko zvakawanda, chirongwa ndechekuti:
- Shandura kana kuisa kadhi yako.
- Isa PIN yako.
- Sarudza chisarudzo chokuisa mari.
- Isai checks uye mari (kana imwe-ne-imwe kana mune bundle).
- Chengetedza kuti mari yacho inokweretesa akaunti yako.
Mari inowanzowanika mukati memazuva mashoma. Kuti uwane mamwe mazano akazara, onai maitiro ekuita mari paATM .
Shandisa mail: Unogona kutumira zvakare checks kubhengi rako. Iwe haumbodi kutumira mari, asi kutumira cheki nemishu zvakachengeteka . Kumbira bhanki rako kuti chii chinodiwa. Muzviitiko zvakawanda, unofanirwa kuisa chidimbu chekuisa uye wotsigira cheki. Iyi haisi iyo nzira inokurumidza kuisa cheki, asi unogona kuita zvose panguva yako.
Zvamunoda Kuisa Mafuro Chekuongorora
Kuita kudha hakusi nyore sekupa cheki kune mutauri kana kuvhara mufananidzo-asi wava pedyo.
Kutsigirwa: Iwe unowanzodikanwa kutsigira cheki nekusayina zita rako kumashure kwe cheki .
Nenzira, kuita kudaro kunopa bhangi rako (kana ani nani ane chekuendeswa cheko) kodzero yekuunganidza mari-saka usatsigira kusvikira wava nechivimbo chokuti cheki ichaenda kubhangi.
Nokuda kwekuchengetedzwa kwakawedzerwa, unogona kushandisa "kudzivirira" kugamuchira, iyo inoti mari inogona kuiswa chete ku-akhawunti yako. Icho chakanaka kutama kana kana cheki ikarasika kana kubiwa. Kuti udzivise kubvumirana, chengetedza zita rako uye nyora "Kuti uise chete ku account ###" (shandisa nhamba yako yekombi panzvimbo pezviratidzo zvenhamba). Kuti uwane dzimwe nzira dzekusimbisa, ona Basics of Endorsing Checks .
Dhipatimendi inonamatira: Iwe unogona kuzadza chikwangwani chedhodhi paunoisa cheki chepa pepa. Dhipatimendi dzisipi dzinopa ruzivo mubhizimisi webhangi inoda kuwana mari muakaunti yako: nhamba yako yebhuku, mari yauri kuisa, nezvimwewo.
Chizivo: Kana uri kuisa mari mukati mako, tumira chiziviso chakakodzera, chakadai sechitensi chekufambisa, pasipoti, kana imwe hurumende yakabudiswa. Izvi zvinowanzodiwa kunyange zvazvo uri kungowedzera mari kubhengi-kwete kutora mari. Zita inonyanya kukosha kana iwe unoshanyira imwe kambani yechikwereti kuti uise cheki.
Cashing Checks
Kana ukaronga kupedza mari yose pakarepo (nemari), unogona kuedza kutenga cheki pane kuisa iyo. Iwe unowanzokwira kusvika ku $ 200 pakarepo paongororo yako pachako, uye iwe unogona kukwanisa kuwana zvizhinji zvekuongorora chepamutemo sekuchechi chekeri .
Zvisinei, zvine ngozi kutora mari uye kuipedza usati waziva kuti cheki yakanaka-kana cheko rinoputika, unofanira kubhadhara bhadha yako chero mari yaunotora. Nzira chete yekuziva nayo kuti cheki yakanaka ndeyokuti uitengese pabazi rebhandi rimwechete cheko rakanyorerwa. Mune mamwe mazwi, enda kubhangi rekuongorora cheko kuti uwane mari yekuongorora-zita rebhangi rinoratidzwa pane chekuongorora .
Ichokwadi kuti zvinotyisa kufamba-famba nemari yakawanda nokuti mari yacho inogona kurasikirwa kana kubiwa. Inowanzova nyore nyore kushandisa mari kubva pakero yako yekuongorora nebhadhidhi yebhadhiro kana kubvisa mari kubva kune ATM gare gare iwe unonyatsoda.
Iko Cheki chero Chakanaka?
Iva nechokwadi chekuti cheketi ndeyechokwadi, uye ita nesimba kuti uone kana kana kwete ivo vachagumburwa musati maita zvigadziri. Kana munhu kana kuti kambani yakakunyorera cheko isina mari yakakwana yekuvhara kubhadhara, bhanki yako inogona kukubhadhara mari-kunyange zvazvo yakanga isiri iwe mhosva yako.
Kana iwe ukaita tsika yekuisa cheki yakaipa, bhangi rako rinogona kunyange kugumisa akaunti yako. Pose paunenge uine hanya nehoke, taura nebhangi cheko rakanyoreswa kurwisana kuti uone mari iri mubhuku uye uone kana cheki yacho ichatsvaga.
Iko Kusingadi Kudhecheche Checks
Kuderedza mari iri mubhangi rako kana kuti credit union ndiyo nzira yakachengeteka uye isingadhuri. Iwe unogona kuedzwa kuti uone mari yekucheka pane dzimwe nzvimbo "dzakanaka" dzakadai sekubhadhara chikwereti chezvikwereti kana kutarisa mari yekuchengetedza. Kana iwe ukadaro, iwe uchabhadhara zvikuru. Kunyange zvivigiro zvinotora mari, izvo zvinogona kuwedzera pane zviduku zvishoma.
Kana iwe usina gwaro pabhangi kana chikwereti chebato, iwe unonyatsoda imwe- ichakuchengetedza nguva nemari. Zvisinei, vamwe vanhu havagoni kana kuti havazovhura bhangi yebhangi. Kana uri muboka iro, kadhi rakabhadharwa ingangodaro iri imwe nzira yakanaka : Mamwe makadhi anokubvumira kuti uite chekushandira chekufambisa kuti uwedzere kuwandu yako, iyo inokubatsira kuchengetedza mari yakachengeteka. Vamwe vane ukama pamwe chete nenzvimbo dzekutengesa, saka unogona kuunza cheki kune dzimwe nzvimbo dzekutengesa kuwedzera ku account yako.