Zonse zokhudza macheke a NSF

Macheke ndi njira yolipirira yocheperako komanso yocheperako, koma ikugwirabe ntchito. Macheke ndi zikalata zotchedwa title deeds zomwe zimalipira ndalama zinazake. Atha kukhala macheke aku banki, macheke aumwini, macheke otsimikizika, ndi zina. Pali machitidwe olangidwa pamene zikalata zomwe zanenedwazo zimakokedwa popanda ndalama, zonse ndi malamulo azamalonda ndi malamulo aupandu, ndi zilango mpaka kundende. M'nkhaniyi, ndikukuuzani zonse za cheke choipa.

Koma tisanayambe, phunzirani zambiri za banking jargon.

🌾 cheke cha NSF ndi chiyani?

Popereka cheke m'dzina la munthu, mumawapatsa ufulu wochotsa ndalama ku akaunti yanu yakubanki popanda kufunikira kukhalapo kwanu. Ngati panthawi imodzimodziyo, mulibe ndalama mu akaunti yanu kuti mutsimikizire ndalama zomwe zalembedwa pa chikalatacho, ndiye kuti ndi cheke cha NSF.

Chifukwa chake, cheke cha NSF ndi pepala lopanda phindu. Cheke ikhoza kutha ndalama pazifukwa zosiyanasiyana.

Kapena mosadziwa : mwiniwake wa akauntiyo adalemba cheke cholakwika, mwina asanalandire malipiro kapena osadziwa kuti akauntiyo singathe kulipira ndalama zonse. Pali zochitika zingapo zomwe mungakhulupirire kuti muli ndi ndalama:

• Malipiro omwe mumayembekezera (monga kusungitsa mwachindunji kuchokera kuntchito yanu) sanafike ku akaunti yanu.
• Kusungitsa kapena kulipira sikunatulutsidwebe ku akaunti yanu.
• Kugula ndi wanu kirediti kadi adasunga akaunti yanu (mwina kuposa momwe mudawonongera).
• Wina anaika cheke chimene munalemba kalekale koma anaiwala.

Kapena mwaufulu : Nthawi zina ndi dala. Mukudziwa kuti mulibe ndalama, koma mumalemba cheke (zomwe ndi zolakwika).

🌾 Nanga bwanji ngati tikumana ndi cheke cha NSF?

Macheke a NSF amatha kukuwonongerani ndalama zomwe mulibe. Nthawi zambiri mumalipira ndalama kwa munthu amene mudamulembera cheke (nthawi zambiri pafupifupi $25). Mchitidwewu ukhoza kupangitsa bizinesiyo kapena bungwe kukana kuvomereza macheke anu mtsogolo.

Bank yanu imakulipiritsanso chindapusa cha macheke a NSF. Amabwezera cheke kubizinesi yosalipidwa ndikukulipiritsani chindapusa cha NSF. Zomwe zimatchedwanso ndalama zosakwanira, ndalamazi nthawi zambiri zimakhala pafupifupi $35. Ndikupangira kuti muwerenge nkhaniyi kuti mumvetsetse bwino ndalama zosakwanira zandalama.

Banki yanu ingasankhe kulipira chekeyo ngati "mwaulemu" ndikulipiritsa chindapusa (kachiwiri, nthawi zambiri pafupifupi $35, kapena angatchule ngongole ndikukulipiritsani chiwongola dzanja). Dziwani zambiri za momwe zimagwirira ntchito mapulani a chitetezo cha overdraft.

Ngati mukuwerengera, ndizo ndalama zosachepera ziwiri zomwe mumalipira. Palinso mwayi wabwino kuti malipiro anu aziganiziridwa " mochedwa ”, kotero mutha kukumana ndi zilango zolipira mochedwa. Nawa maupangiri anga othana ndi macheke oboola

📍 Malangizo othandiza

Pankhani yosadziwa, ntchito yosasangalatsa imatha kupewedwa nthawi zambiri. Mukalandira cheke, ndi bwino kufunsa munthu amene wapereka tsiku lomwe titha kubweza (kuchokera tsiku liti komanso malire). Mwanjira imeneyi mudzalinganiza ntchito zanu zamabanki ndikupeza ndalama zanu panthawi yoyenera.

Zomwe zili pamwambazi ndi zabwino kwa onse omwe amagulitsa cheke ndi munthu amene wapereka. Woyambayo amapewa zovuta zopita kubanki osapambana ndipo womalizayo amapewa chilango chandalama (komishoni) yomwe banki yake idzalipiritsa chifukwa cholephera. Ndikofunika kukumbukira kuti pali malipiro pamacheke a NSF. Pitani kubanki yanu kuti mudziwe zambiri zamandalama awa.

Pankhani yamalonda akuluakulu azachuma, mutha kupempha kuti akulipireni ndi cheke chotsimikizika chakubanki. Onani bukhuli kuti mudziwe zambiri za momwe ma cheki ovomerezeka amagwirira ntchito.

📍 Malangizo ochiritsa

Mukakhala ndi zokumana nazo zosasangalatsa zopita kubanki kukagulitsa cheke popanda kuchita bwino chifukwa chosowa ndalama, ndikofunikira:

Choyamba funsani munthu amene wakupatsani chekecho kuti akufotokozereni mmene zinthu zilili ndipo funsani mayankho. Mukhozanso kumupempha kuti akulembereni cheke china, akusungireni ndalama, akubwezereni ndalama kapena akupatseni ndalamazo mwamsanga.

Mungathenso kuwazenga mlandu anthuwa akakana kukulipirani. Ngati mukuganiza zozenga mlandu munthu pazifukwa izi, ndikofunikira kuti muyambe mwakumana ndi akatswiri kuti akuthandizeni komanso malangizo.

Zambiri zimaperekedwa pamenepo pazochitika zilizonse ndipo ali ndi akatswiri othandizira kuthetsa vutoli. Ngati mlanduwo wapambana, wachinyengo ayenera kukulipirani, osati kuchuluka kwa ngongole komanso chowonjezera. Zowonjezera izi ndi zowononga komanso zolipira zamalamulo.

🌾 Kodi Kufufuza kwa NSF Kumakhudza Bwanji Kudalirika Kwanu?

Cheke cha NSF sichimawonekera pamalipoti anu angongole. Komabe, makampani amakonda ChexSystems akhoza kusunga mbiri yanu yakubanki.

Ngati mulibe mbiri yolimba yangongole (chifukwa simunapangebe ngongole), obwereketsa, mabwanamkubwa ndi ma inshuwaransi akhoza kutembenukira ku mabungwe owerengera ngongole. njira zina »kusankha kuchita bizinesi ndi inu kapena ayi. Mabungwewa atha kuphatikiza zambiri zokhudzana ndi macheke oyipa, zomwe zingawononge mwayi wanu.

Kuphatikiza apo, kampani yomwe mumapereka ma checks mutha kutumiza akaunti yanu ku bungwe lotolera zinthu. Ngati bungweli lipereka lipoti ku mabungwe akuluakulu angongole, mbiri yanu yangongole idzawonongeka.

Musanachoke, apa pali maphunziro omwe amakulolani kutero kuchita malonda mu ola limodzi lokha. Phunzirani zambiri za ProptechsLa ndalama zobiriwira kwambiri.

FAQ

Kodi cheke cholakwika ndi chiyani?

Cheke yoboola (kapena cheke chabodza) ndi cheke choperekedwa ndi kabati (yemwe amalemba cheke) pomwe alibe ndalama zokwanira muakaunti yawo yakubanki kuti aziphimba. Wopindula akayika cheke ku banki yake, womalizayo amawona kusakhalapo kapena ndalama zosakwanira ndipo akhoza kukana kulipira.

Zotsatira za cheke cha NSF ndi chiyani?

Kupereka cheke choyipa ndi mlandu wolangidwa ndi chindapusa komanso nthawi yandende. Kuonjezera apo, milandu yapachiweniweni ikhoza kuyambitsidwa ndi wopindula kuti alandire malipiro chifukwa cha kuwonongeka kwawo.

Wojambulayo adzakhala ndi dzina lake lolembetsedwa mu National File of Irregular Checks (FCC) kwa zaka 5. Izi zidzaletsa kupereka macheke kumabanki onse aku France, pokhapokha atagwirizana nawo.

Ndalama za banki za cheke chokwera zimaperekedwanso ndi banki.

Kodi kabati ya chiwopsezo choyipa ndi chiyani?

• Mtengo wofikira €375
• Letsani kutulutsa macheke kwa zaka zosapitirira 5
• Kulembetsa kwa FCC kwa zaka 5
• Chigamulo cha kundende mpaka zaka 5 chifukwa chobwereza kulakwa
• Kubwezeredwa kwa zowonongeka zomwe zawonongeka ndi wopindula
• Ndalama zokanira banki

Ndi zilango zotani kwa opindula ndi cheke choyipa?

Wopindula sakhala ndi chilango chilichonse chaupandu ngati asungitsa mwachikhulupiriro cheke choyipa chomwe samadziwa za kuphwanya kwake. Kumbali ina, ngati iye anali nawo m’nkhani yachinyengo, amakumana ndi zilango zaupandu zofanana ndi za wowomberayo.

Kodi mungasinthe bwanji mkhalidwe wanu mutapereka cheke cholakwika?

Zosankha zingapo zokhazikika:

• Perekani ndalama kwa wolipidwa pa kuchuluka kwa cheke
• Pangani kusamutsa kwa wopindula
• Pemphani tsiku lomaliza la malipiro kuchokera kwa wopindula
• Pemphani kalata yochotsera mlandu kwa wopindula
• Tumizani pempho kwa woimira boma kuti apemphe kuchotsedwa kwa chiletso cha banki

Muzochitika zonse, kabatiyo amalangizidwa kuti alankhule ndi banki yake ndi wopindula kuti apeze njira yothetsera mkanganoyo.