Basics of Substitute Checks
Sezvaunogona kufungidzira, izvo zvinoreva kutarisa kubhadharwa zvakakurumidza. Kana iwe wakanyora cheki, iyo yakaipa nhau nokuti mari ichaderedzwa kubva ku-akhawunti yako nokukurumidza (kana cheki ichaputika, uye iwe haugoni izvozvo ).
Kana iwe wakagamuchira cheki, iyo yakanaka nokuti iwe uchabhadharwa nokukurumidza.
Zvisinei, kwete chero chinyorwa chipi zvacho chingaita. Kuti iwe uonekwe somubatsiri wecherechedza chekuongorora pasi paEngeri 21, chifananidzo chacho chinofanira kusangana nezvimwe zvinoda.
Chii Chisingatengi Chekuona?
Kune humwe hunyongeri pamusoro pezvichiri uye izvo zvisingatsivi chekutsvaga. Bhuku rimwe chete rekopiko kana chifananidzo che cheketi haisi chekutsiva chekutarisa pasi peKutsvaga 21 - haigone kushandiswa kutamisa mari kubva kune rimwe bhandi kuenda kune rimwe.
Iko re 'kutendeuka' harina kukodzera sechinotsiviwa chekuongorora. Kushandurwa cheki mapepa anoongorora mapeji anotenderedzwa kuti ave magetsi ekuongorora mabhizimusi nemabhizimisi anonyora checks ku (izvi zvinogona kuitika kana iwe ukaisa cheki yako kune cashier, uye muchengeti anoitora kuburikidza nemuverengi wekuchechesa pareji). Kushandurwa chekubhadhara ikozvino hazviwisi pasi pekutarisa 21 mitemo - vanowa pasi pemitemo yekubhadhara ACH .
Ndiani Anoshandisa Zvinyorwa Zvitsva?
Mabhangi anoshandisa nzvimbo dzekuchechechechedza cheko kuunganidza mari kubva kune mamwe mabheni.
Mabhizimisi uye vanhu vamunonyora vanoongorora chekuita kuti varege kusimba chekuita cheki. Nemhaka yekuti chinzvimbo chekutsvaga chekutsvaga chakasikwa pabhangi, kutengeserana kwako kunoenderana nemitemo inobata basa rekuongorora chetsika-kwete magetsi ekutengeserana. Zvisinei, iwe unowana kodzero dzepamusoro pasi peEngeri 21 (ona pasi apa).
Izvozvo zvakati, munhu mumwechete kana bhizinesi anokwanisa kusimbisa zvisiri izvo chekutsvaga chekuongorora. Kana iwe uchibhadhara mumwe munhu anoshandisa foni kuti aise cheki , bhangi ringashandura chifananidzo kuva chinzvimbo chepamutemo chinotsiva chekuongorora.
Kuziva Shanduro Chekuongorora
Iwe unoziva sei kana chifananidzo checheki chiriko chinotsiva chekuongorora? Tsvaga mashoko "Iyi ndiyo yepamutemo yeko chekuongorora yako. Unogona kuishandisa nenzira imwecheteyo iwe ungashandisa cheki chepakutanga." Iwe unogona kudhinda chifananidzo nemashoko ose anotevera kuumba Image Replacement Document (IRD)
Kana iwe une IRD, unogona kuishandisa kushandisa zvinyorwa zvawakagadzira sekunge kwaiva cheko chaiyo yawakashandisa. Izvi zvinogona kukubatsira kuti uratidze kuti iwe wakabhadhara zvimwe zvekushandisa apo chekutanga chekuregererwa cheko hachina kuwanikwa.
Zvinetso zvakasikwa neChris Checks
Kungofanana nezvinhu zvose zvemagetsi, kupindira cheki kunoita kuti zvinhu zviitike nokukurumidza. Izvi zvinogona kuva chinhu chakanaka (nokuunza unyengeri kukurumidza kukurumidza, somuenzaniso) kana chinhu chakaipa.
Kana iwe ukanyora cheki usati wava nemari muakaunti yako, unofanirwa kutarisira checks kuti ujekese nokukurumidza. Iwe haugoni kutora nguva yekufambisa nguva yakadai sekunge iwe unogona kunge wakaita kare, uye iwe unotengesa bounced checks uye mari yepamusoro yebhadharo. Somugumisiro, iwe uchada kuziva kuti kana iwe hauna kunyanya kuwana mari here iwe usati wanyora cheki (unogona kuongorora nekuenzanisa akaunti yako ).
Ongorora rumwe rudzi rwerongwa hwekuchengetedza overdraft kana iwe uchinge uchitarisa cheko nguva dzose (asi bhajeti yakasimba ndiyo nzira iri nani uye inodhura).
Zvikanganiso uye Kugadzirisa
Zvikanganiso zvinoitika, uye iwe unofanira kugara uine ziso paakaunti yako. Mashoko akanaka ndeokuti iwe une kodzero dzepamusoro kana pane kukanganisa kunobatanidza nechinzvimbo chekutarisa.
Kana iwe ukanyatsopesana nekutengeserana, bhangi rinofanira kuongorora uye kubhadhara kambani yako nokukurumidza kana isingagoni kugadzirisa nyaya yacho mumazuva gumi.
Sezvaunogara uchiita, iwe unofanirwa kudzokorora mashoko ako nguva dzose uye ugozivisa bhangi kamwe pese zvikanganiso. Iwe unongova nemazuva makumi mana mushure mekutsvaga chekutsvaga kunoiswa kwauri kana kuonekwa pane chirevo chako.