Nzira Yokugadzirisa Nayo Direct Deposit

Paunotumira kana kutambira mari, unenge uine zvingasarudzwa. Iwe unogona kushandisa mari, cheki, kana magetsi ekubhadhara-uye masangano akawanda anosarudza kuti iwe unoshandisa zvakananga mari. Mune dzimwe nguva, dzimwe nguva unotarisirwa kushandisa zvakananga mari. Nenzira yakanaka, ndiyo yakachengeteka uye isingabhadhari kubhadhara sarudzo yevanhu vose.

Chii chinonzi Direct Deposit?

Kunyatsoisa mari inobhadharwa pamagetsi kubva kubhengi imwe yebhangi kuenda kune imwe. Semuenzaniso, mari inofamba kubva kubhangi yebhangi yebhangi kuenda kubhengi yebhangi yevashandi, kunyange kune dzimwe nzira dzakawanda dzekushandisa mari yakananga.

Kuti kuve nokufambiswa, mabhangi anoshandisa iyo Network Automated Clearing House (ACH) , iyo inobatanidza zvikwereti izvi pakati pezvikwereti zvemari.

Zvimwe zvinotengeswa: Kana ukagamuchira mari kuburikidza nebhadharo yakananga, bhaari rako rekhasi richakurumidza kuwedzera apo kubhadhara kwasvika. Iwe haufaniri "kubvuma" kubhadhara kana kuisa mari kubhadha yako, iyo inofanira kudiwa kana iwe wakagamuchira mari kana cheki. Saizvozvowo, kana iwe uchibhadhara nemari yakananga, bhaari rako rekuongorora chekuita richaderera zvishoma nezvishoma apo kubhadhara kuri kubuda.

Inowanzoshandiswa: Direct deposit inowanzozivikanwa, uye makumi ezviuru zvemabhadharo eACH anoitwa gore negore. Mamwe mapazi ehurumende, akadai seSocial Security Administration, haasisiri kuongorora checks. Panzvimbo pezvo, vanoda kuti iwe uwane mari yemagetsi (zvichida kuburikidza nebhadhiro yakananga kana nechekare reloadable debit ). Vashandi vanogona kuita kuti zvive zvakaoma kugamuchira mubhadharo cheki.

Sei Uchishandisa Direct Deposit?

Pane zvikonzero zvakawanda zvekuti mabhizimisi nevatengi vashandise zvakananga mari:

1. Automated deposits. Paunogamuchira mari nekubhadharisa mari, mari yacho yakawedzerwa ku-akhawunti yako pasina chero chiito chinodiwa pane iwe. Pasinei nokuti uri kunze kweguta kana kuti wakabatikana kuti urege kuzviita kubhangi, kambani yako ichaderedzwa.

1. Kwete mail kana pepa. Nekokubhadhara magetsi, haufaniri kudhinda cheki kana kubhadhara kutumira ivo. Payees haafaniri kumirira ma-mail kana kutora cheki kubhengi (kunyange kure kurepa kunoita kuti kuisa cheki nyore nyore ). Mishonga haigoni kurasikirwa chero bedzi iwe uchivaisa zvakanaka nenzira yekutanga.
2. Electronic records. Munhu wese ane ruzivo rwekubhadhara, uye zviri nyore kuona zviri kuitika mukutarisa kwenyaya yekutengesa kwebhuku. Iwe haufaniri kunyora manyore pasi pamusoro pekubhadhara.
3. Chengetedzo. Hapana munhu anogona kukora cheki, kuchinja, uye kuedza kuirima. Mari yacho inofamba kubva pane imwe chekuongorora kune imwe.
4. Mutengo. Zvinowanzosununguka kugamuchira mari, uye kutumira mari neACH inowanzosvitsa mari kupfuura dzimwe nzira. Iwe haungapfuuri kuburikidza nekuongorora, mavuputiki, kana kutumirwa nokukurumidza.
5. Maripa yakakurumidza. Dzimwe nguva zvikwereti zvinobhadharwa munguva pfupi uye zvakananga mari, uye mari iyo inosvika pakuongorora maakaiti zuva rimwe kana maviri mberi kwepamusoro pepepa rinosvika kune dzimwe dzimba dzevashandi. Kunyanya, mari iripo yekushandisa mari, uye hapana chikonzero chekuisa chekuchechera nekumirira kuti igadziriswe .

Nzira yekugadzira Direct Deposit

Kuti uwane mari yekubhadhara pamagetsi , uchada kupa bhengi ruzivo rwebhangi kune sangano riri kukubhadhara.

Vanogona kukumbira kuti iwe ushandise fomu chaiyo (bvunza "fomu yemadhora") kana iwe unogona kungoita chekuvhara maziso . Mune zvimwe zviitiko, iwe uchapa ruzivo rwekombi yako paIndaneti.

Kutumira zvikwereti zvemagetsi , iwe unoda ukama nedare rezvemari rinopa zvipo zveACH. Bhizinesi mabhizinesi mabhizinesi, mabhuku ekuchengetedza mabhuku, uye vashandi vanobhadhara vanogona kupa iyo basa, saka bvunza vatengesi vauri kushandisa. Unganidza ruzivo pamusoro pezvikwereti zvako, uye unosanganisira kuziviswa kunobatanidzwa nemitemo yemunharaunda uye yezvematongerwo enyika paunenge uchigadzirisa zvakananga mari.

Kuti uwane rubhadhara, iwe uchada kupa zvinyorwa pasi apa kune sangano richakubhadhara iwe.

1. Nhamba yenyaya yebhangi
2. Routing number
3. Rudzi rwebhuku (kazhinji kacho chekuongorora)
4. Zita rebhangi nekero (unogona kushandisa chero rebazi rebhangi kana chikwereti chekweretheni chaunoshandisa - hachifaniri kuva chepanzvimbo yako yebazi)

1. Zita (s) vevhengi vekambani vakanyorwa pane account

Iwe unogona kuwana zvizhinji zvemashoko iwayo pane chero chekuongorora iwe pachako , kana iwe unogona kudana bhangi rako uye kukumbira kuti upe ruzivo rwakananga ruzivo. Tsanangudzo dzinowanzowanika paIndaneti pamwe chete, asi zvakanakisisa kupinda muakaunti yako kuti uwane ruzivo rwakarurama. Cherechedza kuti nhamba yako yebhanji uye nhamba dzekambani ndezveruzivo rwekuziva. Usapikira nhamba idzi kumunhu chero upi zvake kunze kwekuti iwe uvimba zvechokwadi navo.

Kugadzirisa zvakananga mari inogona kutora chero pakati pemazuva mashomanana uye vhiki shomanana. Bvunza iwe waunoshandira kuti chii chaunotarisira kuitira kuti iwe usatarise kutora kwako munzvimbo yakashata.

Kana kamwe chete zvese zvakasimudzwa, mari yako inosvika pabhangi yako yebhangi pakarepo. Iva nechokwadi chekutarisa mari yako iripo mukutarisa kwako kare usati waedza kushandisa imwe yemari iyoyo. Hurumende inobhadhara sekubhadhara kwemitero uye Social Security inowanikwa inowanzowanika pakarepo. Zvimwe zvikwereti zvingaitwa kwemazuva mashomanana, asi kubhadhara kubva kuvashandi kunowanzowanikwa pakarepo.

Mimwe mhando dzebhadharo: Direct deposit haisi kungobhadhara mubhadharo.

• Kuzvimiririra makambani: Bhizimisi renyu rinogona kubhadhara makontrakiti asina kuzvimiririra nebhadharo yakananga Bhuku rako rekuchengetedza software kana mupiro wekubhadhara mari iye zvino anofanira kukwanisa kubhadhara zvikwereti izvozvo zviri nyore, kunyange zvazvo mari inogona kunge iri yakakwirira kudarika mari yekubhadhara vashandi veW-2.
• Social Security Benefits: Mushure me2013, Social Security Administration yaida kuti vabatsiri vawane mari yekubhadhara pamagetsi. Kuti usayine zvekubhadhara magetsi, shanyira US Treasury's Go Direct website. Iwe unogonawo kushandura iripo iripo zvakakwana maitemo mazano pa ww.SSA.gov.
• Mwana anotsigirwa uye kugadzirisa: Kuwana rubatsiro rwevana nekuchengetedzwa kwekugadzirwa kwekombiyuta, shandisa dhipatimendi rako rezvemhosva rinotarisira kubhadhara mari iyo.
• Kubhadhara mutero: Uchawana mari yako nekukurumidza kana ukashandisa zvakananga kubhadhara mitero. Taurira mutero wako wekutero waunoda kushandiswa zvakananga, kana kupa sarudzo yebhangi yako yebhangi apo iwe udzorera kudzoka kwako. Iwe unogona kuparadzanisa kubhadhara kwako kuitira kuti mari inopinda mune dzimwe nhoroondo, zvichiita kuti zvive nyore kuchengetedza imwe yemari iyoyo. Kuti upe mirayiridzo yakananga, shandisa Chikamu Chekubhadharisa paFomu 1040 Line 76, kana Fomu 1040EZ Mutsara 13.

Zvitsva Zvitsva

Iye zvino zvaunoziva kuti zviri nyore sei kugamuchira zvekubhadhara zvemagetsi, unogona kutanga kutanga kutumira zvikwereti nenzira imwecheteyo. Iwe, somutengi, unogona kushandisa teknolojia yakafanana kuti usapedza kushandisa cheki, kubhadhara kutumira, nekuwana zvikwereti muma mail panguva.

Kune nzira mbiri dzekuita izvozvi: sarudza paIndaneti bhiriro rebhadha nebhangi rako, kana kuisa ACH zvikwereti kune ani zvake waunoda kubhadhara.

Iko nguva dzose pfungwa yakanaka yekuongorora maakaunti ako nguva nenguva kuti uwane zvikanganiso uye zviratidzo zvekuvharwa kwehuzivi . Sezvaunotanga kutumira uye kugamuchira mishonga yemagetsi, kuchenjera kuti uone maakaunti ako kakawanda - kunyanya kusvikira iwe uone kuti zvinhu zvose zvinoshanda sei. Kana iwe uri kuchinja kubva pane pepa-check check rekistori, inotora zvimwe kuenzanidza , asi iwe unogona kuramba uchienzanisa maakaunti ako sezvawakaita kare.

Izvo zvakare pfungwa huru yekugadzirisa nyevero kuitira kuti ugone kugamuchira email kana meseji kana pane chimwe chinhu chinoitika munhoroondo yako. Somuenzaniso, unogona kuziviswa chero paine mari kana kubvisa, kuitira kuti uzive kana zvikwereti zvasvika.