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Kuti ugadzire michina yemagetsi kana kuti zvakananga mari, iwe uchada nhamba yako yekuongorora nhamba. Nzira yakareruka yekuwana iyo nhamba iri pane cheke chega (asi kune dzimwe mhinduro kana iwe usina cheki).
Nhamba yekambani inowanikwa pasi pekuongorora kwako. Panofanira kuve nenhamba nhatu dzenhamba mumutsetse unonyanya kuverengwa pamakombiyuta pasi:
- Nhamba yekutanga kune kuruboshwe ndeyebhadha yako yekuverenga mabhangi
- Yechipiri (yepakati) nhamba ndiyo nhamba yako nhamba yako
- Nhamba yechitatu ndiyo nhamba yako yekuongorora
Iyi sangano inoshandiswa kune dzakawanda chekuongorora , asi mabhizimisi anoongorora uye mabhii-akadhindwa checks ane maitiro akasiyana - ona pasi apa kune dzimwe nzvimbo dzakasiyana.
Iwe unogona kazhinji kuwana nhamba yebhuku pane cheki nekuwana chiratidzo chinotevera: ⑈. Nhamba dzinotangira kare iyo chiratidzo ndicho nhamba yako yebhuku. Nokuda kwemuenzaniso, ona mufananidzo uri pamusoro peji rino, apo nhamba yekambani inonyatsoratidzwa mujecha (kana kuona mufananidzo mukuru ).
Mamwe Numeri paKutarisa kwako
Kana iwe uchida kupa nhamba yekambani, pane mukana wakaisvonaka waunoda kupa mamwe mashoko kubva pane cheki zvakare. Nhamba yeAll yako pachayo haikwanisi kugadzira ukama kubhengi yako yebhangi yemabhadharo chaiyo kana kuti zvikwereti zvinowanikwa zviripo.
Kuendesa nhamba: nhamba iri kuruboshwe kuruboshwe ndiyo inowanzobhadhara mabhangi ekufambisa nhamba (RTN) kana American Bankers Association (ABA) nhamba .
Iyo nhamba nhamba yepfumbamwe inoratidza bhangi rako, asi harinzwisisi kero yako chaiyo mubhangi iroro.
Chengetedza nhamba: nheyo yenhamba pari kurudyi yakakodzera inofanira kuva nhamba yekuongorora, iyo inongoshandiswa kuti ione cheki yega yega yekuverenga yako. Cheko nhamba hairevi bhenji yako kana kuti yako account (iyo inongova yeruzivo rwechinyorwa checheki dzose dzaunonyora, zvichikubatsira kutarisa kushandisa yako uye kuenzanisa bhuku rako rekuongorora).
Chengeta nhamba haisi inokosha pakugadzirisa zvikwereti - zvinogona kushandiswazve zvakare kana kushandiswa kunze kwehutano hwakasiyana pasina matambudziko makuru.
Checks yebhizimisi uye Cheki-Printed Checks
Icho chimiro chinotsanangurwa pamusoro apa chinoshanda kune vazhinji vanoongorora chega . Zvisinei, kutengesa kunobva kumabhizimisi (akadai sekubhadhara chekeri) uye cheki izvo zvakadhindwa nebhangi rako zvinogona kunge zvakasiyana.
Semuenzaniso, kutengesa kutumirwa nemabhizimisi kana kutumirwa kubva kuIndaneti mabhiriro ekubhadhara mari inowanzova nhamba dzekambani seyoti yechitatu yenhamba kubva kuruboshwe.
Kuti uwedzere kuomesa nyaya, avo vanoongorora nguva dzimwe nguva vanoratidza nhamba uye kunyoresa nhamba dzakasiyana nedzimwe nhamba paongororo dzako pachako . Kana uchiedza kukopa nhamba yako yekambani kubva pane cheki yakadhindwa uchishandiswa mubhengi rako rekubhadhara mari yepaIndaneti , uchawana nhamba yekambani iyo isingori mapepa zvakananga kune imwe yega-yega-inoenda kune imwe nhoroondo iyo bhagheni yako inoshandisa kubhadhara mari . Iwe haungakwanise kushandisa nhamba idzi kuti ubatanise kero yako yebhadhadziro yakananga, ACH zvikwereti , kana kutengeswa kwetambo .
Zvakanakisisa kushandisa shanduro yechangobva kubudiswa kuti uwane ruzivo rwekambani yako - kana kungosangana nebhangi rako uye kuwana zvakadzama. Kana uine kusava nechokwadi, taura nebhangi rako.
Kumbira Kambani Service
Mumiririri wevashandi vanogona kukuudza zvose zvaunoda kuti uzive kuti uwane mari yako yekutsvaga yakagadzirirwa. Vachange vadikanwa kuti ndeyepi iyo yaunoda kushandisa nokuti nhamba dzeAABA dzinogona kusiyana zvichienderana nekuti wakazarura kero yako. Unogonawo kuwana ruzivo urwu paIndaneti paunenge wapinda mu-akhawunti yako (tsvaga fomu yemadhora chaiyo kana mirayiridzo yekuisa EFT kana ACH).
Kuwana nhamba yekodzero yakakodzera kunokosha kwemaminitsi mashomanana pafoni nebasa revatengi. Funga nezvemigumisiro yekugadzirisa kusina kukodzera: iwe unogona kusabhadharwa nenguva, uye iwe ungaguma uchinge uchinge uchinge uchinge uchinge uchitarisa kana kushayikwa mari yezvinhu zvinokosha (kufanana nekutenga chikwereti kana chikwereti chemudzidzi , izvo zvinogona kutungamirira kumusoro musoro uye mari). Ita kuti iite zvakanaka nguva yekutanga uye worega zvinhu zvose zvifambire pazvizvipi zvayo-iyo ndiyo pfungwa yose yekunyora kwekubhadhara zvemagetsi .
Kana iwe Usina Checks
Zviri nyore kuwana nhamba yako yekodha pane cheki, asi chii kana iwe usina cheki? Nzvimbo inotevera inofanirwa kutarisa ndeyekutaura kwako kwegore negore. Mune zvimwe zviitiko, nhamba yako yekambani yakanyatsovanzwa (kunyanya kana iwe uchiona zvitauriri paIndaneti), saka unogona kuguma uchidaidza kana kutaurirana nebasa revanhu.