Zonse zomwe muyenera kudziwa zokhudza cheke cha banki

Cheke yakubanki ndi pepala losindikizidwa kale lomwe lili ndi dongosolo lokhazikika. Macheke amagwiritsidwa ntchito ngati malipiro m'malo mwa ndalama ndipo amatha kuperekedwa/kukokedwa ndalama zilizonse zomwe wopereka chekeyo akufuna.

Ndi zida zamabanki zomwe zikuchepa koma zimagwiritsidwabe ntchito m'maiko ena padziko lonse lapansi. Amagwiritsidwa ntchito m'maiko ambiri ku Europe komanso ku Africa komwe kuphatikiza ndalama akadali ofooka. Koma, ndizodabwitsa kuona kuti anthu ambiri, ngakhale ogwira ntchito zachuma ali ndi chidziwitso chochepa chabe cha macheke.

Chifukwa chake, ndinaganiza zolemba bukhuli lomwe limafotokoza mfundo zazikuluzikulu zamacheke a banki, momwe amagwirira ntchito kuti akuloleni pa nthawi yoyenera kuti mugwiritse ntchito m'malo mwa njira ina yolipira. Ndikukuuzani ZONSE. Koma musanayambe, apa pali maphunziro apamwamba omwe angakuthandizeni amakulolani kuti mudziwe zinsinsi zonse kuti muchite bwino mu Podcast.

Tiyeni

🌿 Kodi cheke ku banki ndi chiyani?

Cheke ndi mgwirizano wamalipiro pakati pa anthu awiri kapena mabungwe. Mukalemba cheke, mukuvomera kulipira munthu wina kapena bungwe ndalama zomwe muli ndi ngongoleyo ndipo mukupempha banki yanu kuti ilipire.

Macheke a Cashier atha kukhala njira yabwino yolipirira pazinthu zina zachuma mukafunika kulipira zambiri kapena mukukhudzidwa ndi chitetezo chamalipiro.

Malipiro amtunduwu amatsimikiziridwa ndi banki, yomwe ingapereke chitsimikizo kwa olandira kuti cheke sichidzabwezeredwa chifukwa cha ndalama zosakwanira. Ndisanalankhule nanu za macheke aku banki, ndikufuna ndikuwonetseni mitundu yamacheke omwe alipo.

🌿Mitundu yosiyanasiyana ya macheke

Pali mitundu yosiyanasiyana ya macheke kupitilira mtundu wa pepala lomwe limasonkhanitsa fumbi m'madiresi anu a desiki. Simungakumane nawo nthawi zambiri, koma kuwadziwa kungakuthandizeni kutetezedwa pogula.

Izi ndi zomwe muyenera kudziwa za cinq mitundu yamacheke kupitilira macheke amunthu ndi pamene mungakumane nawo.

#1 Macheke aku banki, macheke aku banki kapena macheke aboma

Cheke yamtunduwu ndiyosavuta kugwiritsa ntchito ngati cheke chamunthu. Mukamagwiritsa ntchito cheke, ndalama zimachokera ku akaunti yanu, ndiye ngati mulibe ndalama zokwanira zolipira ngongoleyo, wolandirayo angakhale wopanda mwayi. Cheke ya cashier, kumbali ina, sichitha.

Nthawi zambiri cheke cha cashier sichilinso chaulere. Malipiro angasiyane malinga ndi banki yomwe mumagwiritsa ntchito, mtundu wa akaunti yomwe muli nayo, ndi kukula kwa cheke. Ndi mtundu wa cheke womwe watisangalatsa m'nkhaniyi.

#2. Macheke ovomerezeka

Cheke yotsimikiziridwa ndi mtundu wa cheke chaumwini chomwe banki imatsimikizira. Mukalemba cheke, banki imayang'ana kuti muli ndi ndalama zokwanira muakaunti yanu yoyang'anira kuti mulipirire. Akhoza kusunga ndalamazo mpaka cheke chitatha.

Cheke nthawi zambiri imakhala ndi "certified" yodinda kapena kusindikizidwa. Ndalama zimasiyanasiyana malinga ndi banki yomwe mumagwiritsa ntchito komanso kukula kwa cheke.

#3. Maoda a ndalama za positi

Maoda andalama ndi zikalata zolipiriratu zomwe zimagwira ntchito ngati cheke. Wowalandira atha kusungitsa kapena kubweza ndalama.

Ubwino waukulu wamaoda a positi ndikuti mutha kuwagula m'malo osiyanasiyana, kuphatikiza ma positi. Izi zimapangitsa kukhala njira yabwino kwa anthu omwe sagwiritsa ntchito maakaunti aku banki kapena omwe alibe mwayi wopeza nthambi yapafupi ya banki yomwe amawakonda.

#4. macheke amagetsi

Cheke yamagetsi ndi mtundu wa digito wamacheke omwe amaperekedwa ndi banki yanu. Mutha kukhazikitsa zolipirira zokha pogwiritsa ntchito macheke amagetsi kuti musamakumbukire kulemba cheke pamapepala obwereketsa ngati lendi kapena ngongole yanu.

#5. Chimphona chimayang'ana

Ngakhale amawoneka bwino pazithunzi, macheke akuluwa omwe mumawona lotale ndi opambana pamipikisano akugwira ndi zida chabe. Sangawabwezere ndalama. Opambana ma lotale nthawi zambiri amalandira ndalama zawo zenizeni potumiza kubanki.

🌿Kusiyana pakati pa macheke aku banki ndi macheke aumwini

Cheki yanu imakulolani kutumiza ndalama kwa wina kuchokera ku akaunti yanu yakubanki. Ndilo chikalata chalamulo chimene chimauza banki kuti ipatse munthu wina ndalama zinazake za kubanki inayake.

Mutha kudzaza imodzi ndikuipereka kwa aliyense, ndipo akhoza kuiyika muakaunti yawo yakubanki kapena kubweza. Ndalamazo zidzachotsedwa ku akaunti yanu.

Komabe, cheke cha kubanki chimatengedwa pa ndalama za banki osati zanu. Zimatsimikiziridwa kuti zisadumpha, mosiyana ndi cheke chamunthu.

Nthawi zambiri amakhazikika mwachangu kuposa macheke aumwini, zomwe zikutanthauza kuti ndalama zitha kupezeka posachedwa cheke cha cashier chikayikidwa kuposa cheke chamunthu. Onani bukhuli kuti mudziwe zambiri pa macheke a kubanki, macheke ovomerezeka ndi macheke aumwini

🌿 Kodi macheke amakonzedwa bwanji?

Macheke onse ayenera kukonzedwa - kapena kuchotsedwa ndikulipidwa - kudzera mu njira yolipira. Umu ndi momwe zimagwirira ntchito. Mukaika cheke mu akaunti yanu, banki yanu imatumiza chekecho ku banki ya munthu amene analemba chekecho.

Bankiyi imawonetsetsa kuti chekeyo ndi yovomerezeka komanso kuti pali ndalama zokwanira muakaunti ya wopereka chekeyo kuti apeze cheke, kenako amatumiza ndalamazo ku banki yanu. 

Izi zitha kutenga masiku angapo, koma pamacheke ambiri banki imapereka ndalama kwa kasitomala nthawi yomweyo. Komabe, sipanakhalepo mpaka banki yanu italandira chitsimikiziro kuchokera ku banki ya cheke kuti adziwe kuti ndalama zilipo.

Chimene anthu ambiri sadziwa n’chakuti mpaka banki italandira chitsimikiziro chimenechi, iwo akukupititsanidi ndalamazo.

🌿 Zigawo za cheke cha banki

Ngati mukufuna kupereka cheke ku banki kuti muchotse ngongole kapena kugula zinthu, lemekezani zinthu izi:

Tsiku la cheke

Macheke amajambulidwa pa tsiku lodziwika. Tsikulo likhoza kukhala tsiku lililonse lomwe mukufuna ndipo siliyenera kukhala tsiku lomwe mumalemba cheke.

Koma cheke ili ndi nthawi yovomerezeka kuyambira tsiku lomwe lasonyezedwa pa cheke. Cheke yaumwini ndi yabwino kwa miyezi isanu ndi umodzi, pomwe cheke chabizinesi/kampani ndi yabwino kwa miyezi itatu yokha.

Kuphatikiza apo, macheke ena azamalonda amaperekedwa ndi nthawi yovomerezeka yosakwana miyezi itatu. Mwachitsanzo, macheke amalipiro a magawo nthawi zambiri amaperekedwa ndi nthawi yovomerezeka ya mwezi umodzi.

Tsiku la cheke ndi lofunika chifukwa wolandira chekeyo amatha kubweza cheke pa tsiku kapena pambuyo pa tsiku la cheke komanso panthawi yovomerezeka. Kubweza cheke ndi mawu omwe amagwiritsidwa ntchito potembenuza cheke kukhala ndalama zenizeni.

Dzina la wopindula

Gawo la "payee" limakupatsani mwayi kuti mulembe dzina la munthu kapena kampani yomwe ikuyenera kubweza cheke. Koma ngati ili cheke chabizinesi, mabanki amaletsa kubweza ndalama kokha ndi munthu yemwe dzina lake limapezeka pagawo la Payee.

Mukhozanso kulemba mawu akuti "Cash" monga wopindula m'malo mwa munthu kapena dzina la bizinesi.

Izi zikutanthauza kuti chekecho chikuyenera kugwiritsidwa ntchito ngati ndalama. Aliyense amene ali ndi chekeyo atha kuitenga kukauntala ya nthambi ya kubanki. Kuphatikiza apo, mutha kupereka cheke chandalama chomwe mwalandira kuchokera kwa munthu kupita kuphwando lina komanso njira yolipira.

Ndalama zomwe ziyenera kusonkhanitsidwa

Muyenera kuyika ndalama zomwe zidzasonkhanitsidwe mumtundu wa digito mubokosi loperekedwa. Ndalama zomwe mwalemba apa ziyenera kukhala zofanana ndi zomwe mwalemba m'mawu. Apo ayi, chekecho chidzakanidwa pa banki.

Muyeneranso kulemba kuchuluka kwa cheke m'mawu pamizere yamadontho yoperekedwa. Muyenera kulemba m'chinenero chomwe nthambi iliyonse ya banki imamva.

Wosaina wovomerezeka

Mukatsegula akaunti yochezera, mumapereka chitsanzo cha siginecha yanu ku banki. Muyenera kuyika siginecha yomweyo kuti mutsimikizire macheke anu.

Derali lili m'munsi mwa bokosi limene munalembapo kuchuluka kwa manambala. Cheke popanda siginecha yolondola ndi cheke chosavomerezeka ngakhale zigawo zina zonse zitamalizidwa bwino.

Kujowina maakaunti ochezera kungakhale ndi m'modzi kapena angapo omwe ali ndi akaunti yolumikizana omwe ayenera kusaina cheke. Mumawonetsa pakutsegulira kwa akauntiyo kuchuluka kwa siginecha zofunika kuti cheke chitsimikizire cheke. Izi nthawi zambiri zimakhala siginecha imodzi kapena ziwiri.

Kukhala ndi osayina angapo pa cheke kuti ikhale yovomerezeka ndi njira yodziwika bwino pamacheke abizinesi ndipo imagwiritsidwa ntchito ngati njira yopewera chinyengo popeza magulu awiri amatsimikizira cheke asanasaine. Cheke yotere nthawi zambiri imakhala ndi sitampu ya kampaniyo.

Malo owerengeka ndi makina

Macheke onse ali ndi malo oyera opingasa pansi pa cheke. Amasindikizidwa ndi manambala ndi zilembo zapadera pogwiritsa ntchito inki yapadera yotchedwa maginito inki komanso ndi font yapadera. Ili ndi fayilo yowerengeka pamakina ndipo simuyenera kuwononga gawo ili la cheke.

Mabanki amadyetsa cheke chomwe amalandira kuti ayang'ane masikelo ndipo malowa amawerengedwa ndi makina. Zilembo zosindikizidwa m'derali zimatchedwa zilembo zamaginito inki.

🌿 Momwe mungasungire cheke ndi foni yanu yam'manja?

Mwina munamvapo za njira yatsopano yosungitsira macheke anu. Kusungitsa cheke cham'manja kapena chakutali kumakupatsani chithunzi cha cheke chanu, cheke chabizinesi kapena kuyitanitsa ndalama (kutengera banki) ndikuyika pakompyuta pogwiritsa ntchito foni yanu yam'manja. Mabanki ambiri padziko lonse lapansi tsopano akupereka chithandizochi.

Le ndondomeko ndi yosavuta. Lowani kuseri kwa cheke yanu ndikulowa mu pulogalamu yakubanki yam'manja ya banki yanu, sankhani ntchito yosungitsa zithunzi ndikutsata malangizowo. Njirayi ndi yotetezeka ndipo zambiri zanu zachuma sizisungidwa pa foni yanu yam'manja.

Zambiri zonse zachuma zimasungidwa bwino. Kenako mukhoza kulemba " wokakamizidwa » pa cheke ndikusunga pamalo otetezeka kwa nthawi yochepa (masabata awiri nthawi zambiri amalangizidwa) asanawononge.

🌿 Ndi liti pamene mungafunike kugwiritsa ntchito cheke cha cashier?

Macheke a Cashier nthawi zambiri amapangidwa kuti azigwiritsidwa ntchito mukafuna kulipira kapena kulandira ndalama zazikulu motetezeka. Mikhalidwe yomwe mungafunikire kutulutsa kapena kulandira cheke cha cashier ndi:

• Gulani kapena kugulitsa galimoto
• Kugula kapena kugulitsa nyumba
• Lipirani ndalama zogulira nyumba
• Lipirani ndalama zolipirira maphunziro ndi kuyunivesite
• Kulipira ngongole yaikulu kwa mnzanu kapena wachibale
• Landirani ndalama zambiri ngati gawo la chigamulo cha milandu
• Landirani ndalama zochotsera ndalama kuchokera ku akaunti yosungira kapena yopuma pantchito

Mukhozanso kusankha kupeza cheke cha cashier nthawi iliyonse yomwe mukufuna kulipira, koma simukufuna kuti wolipidwayo adziwe zambiri zanu. Akaunti ya kubanki.

🌿 Kodi mungapewe bwanji miseche yamacheke ku banki?

Nthawi zina zigawenga zimapanga macheke abodza kapena kusintha dzina kapena kuchuluka kwa cheke chovomerezeka. Ndi chinyengo. Pali njira zingapo zomwe mungachite kuti mudziteteze ku chinyengo cha cheki. Nawa malangizo anga:

• Nthawi zonse sungani macheke anu pamalo otetezeka.
• Ngati mutseka akaunti yanu, phwanya macheke onse osagwiritsidwa ntchito.
• Mukalandira cheke chomwe sichikuwoneka chovomerezeka, pemphani njira ina yolipirira.
• Khalani ndi olipira odalirika. Chenjerani ndi malipiro a cheke kuchokera kumakampani kapena anthu omwe simukuwadziwa.
• Yang'anani macheke a cashier musanavomereze. Musanavomereze cheke chaku banki ngati malipiro, funsani banki yomwe yapereka. Izi zikuthandizani kuti muwonetsetse kuti chekeyo ndi yowona.
• Yang'anani mbendera zofiira zoonekeratu. Zizindikiro zina zodziwikiratu zosonyeza kuti cheke chakubanki chingakhale chabodza ndi monga kulemba pamanja kapena kusowa. Mmodzi akhoza mwachitsanzo kukhala ndi kusowa kwa nambala yolowera kapena watermark ya banki.
• Yembekezerani kuti chekecho chichoke. Osalipira kapena kugula molingana ndi kuchuluka kwa cheke cha wosunga ndalama mpaka mutatsimikizira ndi banki yanu kuti chekeyo yachotsedwa. Ngati cheke chakwera, mumalipira chindapusa cha banki.

🌿 Ubwino ndi kuipa kwa macheke aku banki

Macheke a Cashier atha kupereka maubwino angapo polipira, koma pali zochepera zomwe muyenera kukumbukira. Nazi mwachidule ubwino ndi kuipa kwa cheke chakubanki.

Ubwino wamacheke aku banki

Malipiro ndi otetezeka. Popeza ndalamazo zimachotsedwa ku akaunti ya banki ndikutsimikiziridwa ndi banki, simuyenera kudandaula za kubwerera kwa cheke chifukwa cha ndalama zosakwanira. Izi zingakuthandizeni kupewa kubweza ndalama zolipirira ndalama zambiri.

Kupezeka kwa ndalama kungakhale kofulumira. Mabanki amagwiritsa ntchito ndondomeko zopezera ndalama kuti adziwe nthawi yomwe ma depositi adzachotsedwa. Mwachitsanzo, zolipira zina zitha kutenga masiku asanu abizinesi kuti zichotsedwe, kapena kupitilira kuti musungidwe ndalama zazikulu.

Popeza cheke cha wosunga ndalama ndi chotsimikizika, nthawi yosunga ikhoza kukhala yayifupi kuposa yolipira cheke chamunthu.

Chitetezo chikuwonjezeka. Cheke ya wosunga ndalama ingachepetse ngozi yachinyengo chifukwa ndi munthu amene wapatsidwa yekhayo amene angaipeze. Macheke akubanki ali ndi zida zotetezedwa, monga ma watermark, kuti apewe kubwereza kwachinyengo.

Kuipa kwa macheke aku banki

Iwo sali osalakwa. Macheke a Cashier ndi otetezeka kuposa mitundu ina yamalipiro a cheke, komabe amatha kukhala chandamale chachinyengo. Achinyengo amatha kupanga macheke aku banki owoneka kuti akulipirani omwe amangowonekera kuti ndi abodza mukayesa kuwayika kubanki yanu.

Macheke aku banki nthawi zambiri amabwera ndi chindapusa. Ngakhale mabanki ena angapereke macheke a cashier kwaulere, phinduli likhoza kupezeka ngati muli ndi akaunti yoyang'anira premium. Nthawi zambiri mudzalipira ndalama pafupifupi $10 kwa cheke cha cashier.

Muyenera kupita ku nthambi yanu ya banki. Ngakhale mutha kulemba cheke kuchokera m'buku lanu kunyumba, nthawi zambiri mumayenera kupita kubanki kuti mukatenge cheke ngati bungwe lanu lazachuma silikuloleza kuyitanitsa pa intaneti.

Izi zitha kukhala zovuta kuchita ngati mukufuna kulipira kunja kwa nthawi yoyambira kubanki. Mwachitsanzo, Kuyesera kugula galimoto Loweruka kungafune kuyembekezera mpaka Lolemba ngati banki yanu ilibe masabata kapena madzulo.

🌿 Chidule…

Ponseponse, cheke chakubanki chimapereka chitetezo chokwera kuposa kugwiritsa ntchito cheke chaumwini kapena dongosolo landalama. Mitundu yosiyanasiyana yamalonda ndi yoyenera pamitundu yolipira.

Pazochitika zazikulu, kupereka (kapena kulandira) cheke cha cashier kungakhale chisankho chabwino kwambiri. Musanachoke, apa pali maphunziro omwe amakulolani kutero kuchita malonda mu ola limodzi lokha. Dinani apa kuti mugule.

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