Macheke aku banki, macheke aumwini ndi macheke ovomerezeka

Pali anthu ambiri omwe, tsiku ndi tsiku, amapereka kapena kulandira macheke popanda chidziwitso chokwanira cha zidazi. Kunena zoona, iye pali mitundu ingapo ya macheke : macheke amagetsi, ma certified certified, ma oda a ndalama za positi, macheke aku banki, macheke amunthu, ndi zina.

Cheki yanu imakulolani kutumiza ndalama kwa wina kuchokera ku akaunti yanu yakubanki. Cheke ya banki, kumbali ina, imakokedwa ndi ndalama za banki osati zanu. Cheke chovomerezeka ndi mtundu wina wapadera wa cheke wotengedwa pa ndalama zanu ndi chitsimikizo chochokera kubanki kuti ndalamazo zilipo.

Zogula zambiri zazikulu monga magalimoto ndi katundu zimafuna macheke ovomerezeka kapena macheke a cashier. M'nkhaniyi, ndikuwonetsa kusiyana pakati pa mitundu itatu ya macheke.

🥀 Kodi macheke aumwini amagwira ntchito bwanji?

Cheke yaumwini ndi chikalata chalamulo chimene chimalangiza banki kuti ipatse munthu wina kuchuluka kwa ndalama kuchokera ku akaunti inayake ya kubanki. Mutha kudzaza imodzi ndikuipereka kwa aliyense. Ndalamazo zidzachotsedwa ku akaunti yanu.

Macheke anu ali kale ndi dzina lanu ndi adilesi yomwe yasindikizidwa pamodzi ndi nambala yanu yaakaunti yaku banki ndi nambala yolowera kubanki. Mukungoyenera kusonyeza dzina la munthu amene chekeyo imalipidwa ndi ndalama zenizeni.

Macheke aumwini amagwiritsidwa ntchito kulipira munthu kapena sitolo yomwe imavomereza cheke ndipo ndalamazo zimachotsedwa mwachindunji ku akaunti yanu yakubanki. Vuto la macheke aumwini ndikuti masitolo ambiri savomereza ngati malipiro.

Nthawi zambiri, ngati muli ndi akaunti yochezera kapena akaunti ina yokhala ndi kuthekera kolemba cheke, monga zina akaunti ya msika wa ndalama, mutha kuyitanitsa macheke kubanki omwe adasindikizidwa kale ndi nambala yanu yaakaunti yaku banki ndi nambala yolowera kubanki.

Mukafuna kulipira munthu, mukhoza kuika dzina lake kapena dzina la kampani pa cheke, tsiku, kulemba ndalama zomwe mukufuna kulipira, ndikusayina cheke.

📍 Mitundu yamacheke amunthu

Pali mitundu iwiri ya macheke amunthu: macheke amunthu payekha komanso macheke opanda kanthu.

Le cheke munthu payekha imasindikizidwa ndi dzina lanu, adilesi, nambala yafoni, nambala yaakaunti yaku banki ndi nambala yolowera kubanki. Zomwe muyenera kuchita ndikulowetsa dzina la munthu yemwe chekeyo imalipidwa ndi ndalama zomwe ziyenera kulipidwa.

Un cheke chopanda kanthu ndi cheke chosadzazidwa choperekedwa ndi "drawer" (amene amasaina cheke) kwa wolipidwa. Choncho amapereka mwayi kwa wovala kuti adzidzaza yekha. Ilibe dzina kapena adilesi yanu.

Komabe, izi sizofunikira chifukwa chekecho chili ndi nambala yanu ya banki ndi akaunti yaku banki. Ngakhale ngati kugwiritsiridwa ntchito kwake kuli kochepa, cheke chopanda kanthu nthaŵi zina chimakhala chothandiza pamene munthu wina alipirire ndalama zimene sakuziŵiratu ndalamazo.

Komabe, cheke chomwe chilibe kanthu chimakhala chowopsa chifukwa, ngati chitayika, munthu amene wachipeza akhoza kudzaza momwe akufunira ndikudzitcha yekha ngati wopindula. Kuphatikiza apo, njira ya wowombera pankhaniyi ndiyochepa.

📍 Macheke operekedwa ndi ndalama zosakwanira : Chikuchitika ndi chiani?

Macheke aumwini ali m'gulu la macheke osiyanasiyana omwe mabanki amapereka kwa makasitomala awo omwe amawapempha. Ngati mupatsa munthu cheke chake ndipo ndalamazo sizikhala muakaunti yanu akayesa kubweza kapena kuziyika, chekeyo idzabwezedwa kwa inu ngati yosakwanira. Chifukwa chake mudzalipira cheke ichi.

Ngati mulemba cheke yopanda ndalama zokwanira ndipo muli ndi ndondomeko yotetezera kubweza ngongole, banki ikhoza kukukongozani ndalama zogulira chekecho, koma malipiro ndi chiwongoladzanja chingakhale chokwera.

Mabanki ena amatha kusamutsa ndalama kuchokera ku akaunti ina, monga akaunti yosungira, kuti apeze cheke ngati ndalama zilipo.

Nthaŵi zina n’zotheka kuti mabanki adziŵe ngati muli ndalama zokwanira muakaunti yoti musungitsepo kapena kubweza cheke mukapereka kwa wogulitsa ndalama. Mabizinesi ena amathanso kupanga macheke nthawi yomweyo powatenga ngati kusamutsa ndalama za digito.

📍 Zowopsa zomwe zimayenderana ndi macheke amunthu

Popeza sizingatheke nthawi zonse kutsimikizira kuti pali ndalama mu akaunti, pali chiopsezo cholandira cheke chaumwini kuti mulipidwe, makamaka kuchokera kwa munthu yemwe simukumudziwa bwino. Ngati mungathe, mufuna kuonetsetsa kuti cheke chachotsedwa musanapereke chilichonse chamtengo wapatali.

Onetsetsani kuti mutha kulumikizana ndi munthu amene adakupatsani cheke ngati pali vuto. Ngakhale kulemba mwadala macheke omwe samathandizidwa ndi ndalama zenizeni kubanki ndi mlandu, sizikutanthauza kuti sizichitika mwangozi.

Zolakwa zamabanki zosagwirizana ndi kuchotsedwa mwachinyengo kungayambitsenso macheke kapena kukana popanda mangawa kwa woperekayo. Macheke aumwini amatenganso nthawi kuti achotsedwe kapena kukhazikika. Mpaka zitatero, ndalama mwina sizipezeka mu akaunti yanu.

Kutengera ndi banki komwe chekeyo imaperekedwa komanso komwe yayikidwa, macheke amatha kutenga masiku angapo kapena kupitilira apo kuti achotsedwe. Banki yanu ikhoza kukupatsani ndalama kuti mugwiritse ntchito cheke chomwe mwasungitsa chisanathe.

📍 Kodi chimachitika ndi chiyani ngati mutakwera cheke yanu?

Chabwino, mumalipira chindapusa ngati mulibe ndalama zomwe mudalonjeza mu akaunti yanu. Kutengera ndi bungwe lazachuma komanso akaunti yamakono, nazi ndalama zomwe muyenera kulipira:

• Malipiro a overdraft

Kuti muchotse cheke ichi, banki yanu ikhoza kuloleza kubweza ngongole ku banki, zomwe zidzayika akaunti yanu mofiira. Chifukwa chake mudzalipira ndalama za overdraft ku banki zomwe zimasiyana kutengera banki komanso kuchuluka kwa ndalamazo.

• Ndalama Zosakwanira (NSF).

Banki yanu siyingalole kubweza ndalamazo ndikukana kuchotsa cheke. Panthawiyi, amakulipirani chindapusa cha FNS, chomwe, monga chindapusa cha overdraft, nthawi zambiri chimasiyanasiyana kutengera banki ndi ndalama zomwe mukufuna.

• Malipiro otumizira chitetezo cha overdraft

Mabanki ena amapereka chitetezo cha overdraft, chomwe chimakupatsani mwayi wolumikiza akaunti yanu yoyang'anira ku akaunti yosungira, kirediti kadi kapena, nthawi zina, mzere wangongole wosungidwiratu kaamba ka izi. Banki imagwiritsa ntchito ulalowu ngati mutaya akaunti yanu. Banki yanu idzasamutsa ndalama kuchokera ku akaunti yolumikizidwa kuti ilipire cheke ndikulipiritsa kandalama kakang'ono.

Ngati simukulipira chindapusa cha FNS kapena mutakhala ndi chizolowezi cholemba ma checks, banki ikhoza kutseka akaunti yanu ndipo mutha kuyimbidwa mlandu. Mwinanso zimakhala zovuta kuti mutsegule akaunti ina kwinakwake ngati simunalembetsedwe ndi ChexSystems.

🥀 Kumvetsetsa cheke cha banki

Cheke kaŵirikaŵiri amapemphedwa monga malipiro ogula zinthu zazikulu, monga ngati kulipirira nyumba. Zowonadi, cheke cha wosunga ndalama amatengedwa ku akaunti yakubanki motero ndi yodziwika bwino ngati ndalama. Pazochita zazing'ono, ogulitsa nthawi zambiri amavomereza ndalama, yomwe ndi njira ina yolipira yotsimikizika.

Kuti mupeze cheke cha wosunga ndalama, mufunika chizindikiritso ndi zina zofunika. Mufunikanso kuchuluka kwa cheke, kalembedwe koyenera ka dzina la wolandila ndi memorandum iliyonse. Izi zasindikizidwa pa cheke - simungathe kuwonjezera chilichonse m'malemba.

Inunso simungakanda kalikonse. Ngati muli ndi akaunti ndi bungweli, ndalama zomwe mwapempha zimachotsedwa ku akaunti yanu ndikusamutsira ku akaunti yakubanki. Ngati mulibe akaunti kubanki, mutha kulipira ndalama. Wosunga ndalama akasindikiza ndi kusaina cheke, imakhala yokonzeka kugwiritsidwa ntchito.

📍 Kodi ndingapeze kuti cheke cha wosunga ndalama?

Monga macheke ena ambiri, pali njira zazikulu zitatu zopezera cheke cha wobwereketsa: kuchokera kubanki, mgwirizano wa ngongole, kapena pa intaneti.

Mutha kugula cheke kuchokera kwa wogulitsa banki. Kumbukirani kuti mabanki ena amangogulitsa macheke a cashier kwa makasitomala awo. Chifukwa chake ngati mulibe akaunti yakubanki, muyenera kuyimba musanapite ku banki kuti muwonetsetse kuti akupatseni cheke cha ndalama.

Njira yopezera cheke cha cashier kuchokera ku bungwe la ngongole ndi yofanana. Kusiyana kumodzi, komabe, ndikuti mumatha kupeza cheke cha cashier pafupifupi pafupifupi mgwirizano uliwonse wa ngongole, kaya ndinu membala kapena ayi.

Njira yomaliza ndikuyitanitsa cheke banki yapaintaneti. Izi zimasiyana ndi malo, koma mabanki ambiri amangopereka izi kwa makasitomala awo. Mukapempha cheke cha wosunga ndalama pa intaneti, banki imatumiza cheke ku adilesi yanu yamakalata. Izi zimapangitsa kukhala udindo wanu kuchifikitsa kwa wolandira.

Izi zimakupulumutsirani ulendo wopita kubanki, koma zitenga nthawi yayitali chifukwa muyenera kudalira makalata. Ngati mulibe akaunti yakubanki yapaintaneti, ndikupangira chitsogozo changa chonse chamomwe mungapangire akaunti yakubanki yapaintaneti.

📍 Zowopsa zomwe zimagwirizanitsidwa ndi kugwiritsa ntchito macheke a banki

Macheke a Cashier amapereka njira yotetezeka yolipirira. Mawonekedwe awo achitetezo omwe amasindikizidwa pa cheke amalepheretsa chinyengo chilichonse. Koma chinyengo chabodza chikuchitikabe.

Cheke ya wosunga ndalama mwachinyengo imatha kuchotsedwa nthawi yomweyo pa depositi yoyamba. Inde, banki yatsimikizira kuti ndalamazo zidzakhalapo. Koma banki ikazindikira kuti chekeyo ndi yabodza, nthawi zambiri pakadutsa milungu ingapo, amabweza ndalamazo. Tsoka ilo, wopindula ali kunja kwa thumba la ndalama zilizonse zomwe zagwiritsidwa ntchito.

Pachifukwa ichi, muyenera kusamala kwambiri ndi cheke cha cashier chomwe mlendo wakutumizirani ngati mphatso. Onetsani kwa wosunga ndalama kuti atsimikizire kuti chekeyo ndi yovomerezeka. Ngati muli ndi nkhawa, mutha kudikiriranso milungu ingapo kuti muwonetsetse kuti chekeyo yatha musanagwiritse ntchito ndalamazo.

Kuti mudziwe zambiri zamacheke aku banki, onani dzina lachilolezo chonse pa zonse zomwe muyenera kudziwa zokhudza macheke aku banki.

🥀 Momwe macheke ovomerezeka amagwirira ntchito ?

Macheke ovomerezeka ndi mtundu wina wa cheke chapadera. Ndiwophatikizana pakati pa macheke aku banki ndi macheke anu. Cheke yotsimikizika ndi cheke chamunthu chomwe chimatsimikiziridwa ndi banki yopereka cheke. Banki imatsimikizira siginecha ya mwini akauntiyo ndi kuti ali ndi ndalama zokwanira kulipira, kenaka imayika pambali kuchuluka kwa chekeyo ikadzasungidwa kapena kuikidwa.

Kupeza ndi kugwiritsa ntchito cheke chovomerezeka ndikosavuta. Mabanki amapereka macheke onse ovomerezeka ndi macheke aku banki. Nthawi zambiri, muyenera kupita kunthambi, tsamba la banki yanu, kapena kuyitanitsa pafoni.

Macheke ovomerezeka ndi otetezeka kwambiri. Chitetezo cha machekewa chimapindulitsa kwambiri wolipidwa osati wolipira, popeza ndalamazo zimatsimikiziridwa. Komabe, cheke chovomerezeka chingakhale njira yotetezeka yonyamula ndalama zambiri kuti muthe kulipira.

Zachidziwikire, cheke chovomerezeka chingathenso kutumizidwa kapena kutumizidwa, zomwe simungafune kuchita ndi ndalama.

📍 Momwe Mungapewere Chinyengo Chotsimikizika ?

Pali zifukwa zazikulu zitatu zomwe anthu amakonda kugwiritsa ntchito macheke ovomerezeka. Amafunafuna chitetezo kuti apewe chinyengo komanso macheke okwera pamabizinesi akuluakulu. Kugwiritsa ntchito cheke chovomerezeka kungapangitse wogulitsa kutsimikiza kuti adzalipidwa.

Komabe, apa pali malangizo ena opewera chinyengo:

• Mukalandira cheke chovomerezeka, itanani kubanki nthawi yomweyo atalandira cheke. Musagwiritse ntchito nambala yafoni yakubanki yomwe yasindikizidwa pacheke. Ngati chekeyo ndi yachinyengo, nambala iyi ingakhalenso yabodza. Mutha kusaka mabanki pa intaneti.
• Funsani banki kuti itsimikizire dzina ndi cheke nambala ya mwini akaunti.

Anthu achinyengo akuchulukirachulukira pakusindikiza ma logo aku banki owoneka ngati ovomerezeka ndikupanga macheke abodza okopa. Ngakhale cheke chovomerezeka nthawi zambiri chimakhala chotetezeka kuposa cheke yanu, pangani makonzedwe owonjezera.

📍 Ndi liti pamene mungagwiritse ntchito cheke chovomerezeka?

Zochita zina monga kugula nyumba nthawi zambiri zimafuna ndalama zotsimikizika. Mungafunikenso cheke chovomerezeka kuti mugule galimoto yogwiritsidwa ntchito kapena kuti muthe kulipira ngongole yanyumba. Pazifukwa izi, cheke chokhazikika sichingavomerezedwe, zomwe nthawi zambiri zimakhala zomveka.

Pambuyo pake, palibe chitsimikizo kwa wolipidwa kuti akaunti yakubanki yaumwini ili ndi ndalama zokwanira zogulira cheke. Kugwiritsa ntchito cheke chovomerezeka sikumapindulitsa wolipirayo, ngakhale kungapereke ubwino wina.

M'malo mwake, amapereka mlingo wokulirapo wa chitetezo kwa wolandira. Nthawi zina, kugulitsako sikungapitirire popanda kulipira ndi cheke chovomerezeka. Monga njira ina, muli ndi macheke a cashier, oda ya ndalama kapena kutumiza pa waya.

🥀 Chidule…

Macheke ovomerezeka ndi macheke a cashier angaganizidwe " macheke ovomerezeka ". Zonsezi zimagwiritsidwa ntchito m'malo mwa ndalama, ngongole, kapena macheke aumwini. Amagwiritsidwa ntchito kutsimikizira kulipira. Ndizovuta kusintha macheke amtunduwu.

Pa cheke cha cashier wotayika, muyenera kupeza chitsimikiziro cha chindapusa, chomwe mungapeze kudzera ku kampani ya inshuwaransi, koma izi nthawi zambiri zimakhala zovuta. Banki yanu ingafunike kuti mudikire mpaka masiku 90 kuti mupeze cheke cholowa.

Cheke ya wosunga ndalama ndi yosiyana ndi cheke chaumwini chifukwa ndalamazo zimachokera ku akaunti yakubanki. Ndi cheke chaumwini, ndalama zimachokera ku akaunti yanu. Kuphatikiza apo, cheke cha cashier chikaperekedwa, zimakhala zovuta kuletsa. Ndi cheke chaumwini, mumangong'amba kapena kuyimbira banki kuti ayimitse kulipira.

Ngati muli ndi nkhawa, chonde tisiyeni ndemanga. Mlangizi wanu ali ndi inu nthawi zonse.

Komabe, apa pali maphunziro omwe amakulolani kukhala nawo chiwopsezo chosinthika pasitolo yanu yapaintaneti. Ndi ulalo wothandizana nawo.

Zikomo chifukwa cha kukhulupirika