Cheki dzebhangi, cheki dzemunhu uye cheki dzakasimbiswa

Kune vanhu vazhinji avo, zuva nezuva, vanoburitsa kana kugamuchira cheki vasina ruzivo rwakakwana rwezviridzwa izvi. Kutaura zvazviri, iye kune marudzi akawanda emacheki : cheki dzemagetsi, cheki dzakasimbiswa, maodha emari yeposita, cheki yekubhangi, cheki yemunhu, nezvimwe.

Cheki yemunhu inobvumidza iwe kutumira mari kune mumwe munhu kubva kubhengi account yako. Cheki yebhangi, kune rumwe rutivi, inotorwa pamari yebhangi kwete yako. Cheki yakasimbiswa ndeimwe mhando yakakosha yecheki inotorwa pamari yako ine vimbiso kubva kubhangi kuti mari iripo.

Kutenga kukuru kwezvinhu zvakadai semotokari nemidziyo kunoda macheki akasimbiswa kana macheki emari. Muchinyorwa chino, ini ndinopa mutsauko pakati pemhando idzi nhatu dzemacheki.

🥀 Macheki emunhu anoshanda sei?

Cheki yemunhu igwaro repamutemo rinorayira bhangi kuti ripe mumwe munhu chitsama chakati chemari kubva kuakaundi yebhangi. Iwe unogona kuzadza imwe uye kupa kune chero munhu wese. Mari ichatorwa kubva kuaccount yako.

Cheki yako yatove yakadhindwa zita rako nekero pamwe chete nenhamba yako yeakaundi yebhangi uye kodhi yekubhangi. Iwe unongoda kuratidza zita remunhu anobhadharwa cheki uye mari chaiyo.

Cheki chako pachako chinoshandiswa kubhadhara munhu kana chitoro chinogamuchira cheki uye mari yacho inobviswa zvakananga kubva kubhangi account yako. Dambudziko remacheki emunhu nderekuti zvitoro zvakawanda hazviagamuchire semuripo.

Kazhinji, kana iwe uine cheki account kana imwe account ine cheki yekunyora kugona, senge vamwe maakaundi emusika wemari, unogona kuraira cheki kubva kubhangi pre-yakadhindwa nenhamba yeakaundi yako yebhangi uye nhamba yebhangi yenzira.

Paunenge uchida kubhadhara mumwe munhu, unogona kuisa zita rake kana zita rekambani pacheki, zuva rayo, nyora mari yaunoda kubhadhara, uye kusaina cheki.

📍 Mhando dzemacheki emunhu

Kune marudzi maviri emacheki emunhu: macheki emunhu akasarudzika uye cheki isina chinhu.

Le cheki yega yega inodhindwa nezita rako, kero, nhamba dzerunhare, nhamba yeakaundi yebhangi uye nhamba yebhangi. Chaunofanirwa kuita kuisa zita remunhu anobhadharirwa cheki yacho nemari ichabhadharwa.

Un blank cheki icheki isina kuzadzwa inopiwa ne "drawer" (uyo anosaina cheki) kune anobhadharwa. Naizvozvo inopa mukana kune akaripfeka kuti azvizadze iye pachake. Haina zita rako kana kero.

Nekudaro, ruzivo urwu haruna kudikanwa nekuti cheki ine nhamba yako yebhangi yekufambisa uye account yekubhangi. Kunyange kana kushandiswa kwayo kuri kweparutivi, cheki isina chinhu dzimwe nguva inobatsira apo mumwe munhu wechitatu anofanira kubhadhara mari yaasingazivi pachine nguva.

Nekudaro, cheki isina chinhu inogona kuve nengozi sezvo, kana yarasikirwa, munhu anoiwana anogona kuizadza sezvavanoda uye voratidza ivo semubatsiri. Uyezve, nzira yeanopfura munyaya iyi ishoma.

📍 Macheki emunhu anopihwa mari isina kukwana : Chii chirikuitika?

Macheki emunhu ari pakati pemacheki akasiyana siyana ayo mabhangi anoita kuti awanikwe kune vatengi vawo vanoakumbira. Kana iwe ukapa mumwe munhu cheki yega uye mari yacho isiri muakaunti yako kana vachiedza kuita mari kana kuiisa, cheki inodzoserwa kwauri seisina kukwana. Naizvozvo uchabhadhara mari yebhanzi cheki iyi.

Kana iwe ukanyora cheki isina mari yakakwana uye uine chirongwa chekudzivirira cheoverdraft, bhangi rinogona kukukweretesa mari yekuvhara cheki, asi muripo uye mubereko zvinogona kunge zvakakwirira.

Mamwe mabhangi anogona kuendesa mari kubva kune imwe account, senge saving account, kuti avhare cheki kana mari iripo.

Dzimwe nguva zvinokwanisika kuti mabhanga aone kana mune mari yakakwana muakaundi yokuisa kana kuti mari yecheki paunoipira kumutengesi. Mamwe mabhizinesi anogona zvakare kuita mari cheki nekukasira nekuvabata sedhijitari mari inofambiswa.

📍 Njodzi dzine chekuita nemacheki emunhu

Sezvo zvisingagoneki nguva dzose kuona kuti mune mari muakaundi, pane imwe njodzi mukubvuma cheki yako yekubhadhara, kunyanya kubva kune wausingazivi zvakanaka. Kana uchikwanisa, iwe uchada kuona kuti cheki yabviswa usati wapa chero chinhu chakakosha mukutsinhana.

Ita shuwa kuti unokwanisa kubata munhu akakupa cheki kana paine dambudziko. Kunyange kunyora nemaune macheki asina kutsigirwa nemari chaiyo mubhanga imhosva, hazvirevi kuti hazviitike netsaona.

Zvikanganiso zvebhangi zvisina hukama uye kubviswa kwehutsotsi kunogonawo kukonzera kuti cheki dziwedzere kana kuramba pasina mhosva kune anenge aburitsa. Cheki yega yega inotorawo nguva kujekesa kana kugadzirisa. Kusvikira vadaro, mari inogona kunge isiri kuwanikwa zvizere muakaundi yako.

Zvichienderana nebhangi uko cheki inopihwa uye kwainoiswa, cheki inogona kutora mazuva mashoma kana kupfuura kuti ibvise. Bhengi rako rinogona kuita kuti mari ivepo yekuti ushandise cheki yaunoisa isati yapera.

📍 Chii chinoitika kana iwe ukabhejera cheki yako pachako?

Zvakanaka, iwe unobhadhara mubhadharo kana iwe usina mari yawakavimbisa muakaundi yako. Zvichienderana nesangano rezvemari uye account yazvino, heino mari yaunofanirwa kubhadhara:

• Mari yeOverdraft

Kuti ubvise cheki iyi, bhangi rako rinogona kubvumidza kubhangi overdraft, iyo ichaisa account yako mutsvuku. Naizvozvo unozobhadhara mubhadharo webhangi overdraft izvo zvinosiyana zvichienderana nebhangi uye huwandu hweiyo overdraft.

• Mari isingakwane mari (NSF).

Bhengi rako rinogona kusabvumidza iyo overdraft uye kuramba kubvisa cheki. Panguva ino, vanokubhadharisa mubhadharo weFNS, uyo, semubhadharo weoverdraft, unowanzo siyana zvichienderana nebhangi nemari inokumbirwa.

• Mari yekufambisa yeOverdraft protection

Mamwe mabhanga anopa kuchengetedzwa kweoverdraft, izvo zvinokutendera kuti ubatanidze account yako yekutarisa kuakaundi yekuchengetedza, kadhi rechikwereti kana, mune zvimwe zviitiko, mutsara wechikwereti wakachengeterwa pachine chinangwa ichi. Bhangi rinobva rashandisa iyi link kana ukadhindisa account yako yazvino. Bhengi rako richaendesa mari kubva kuakaundi yakabatana kuvhara cheki uye kubhadharisa mari shoma.

Kana iwe ukasabhadhara mari yeFNS kana iwe ukapinda mutsika yekunyora bounced cheki, bhangi rinogona kuvhara account yako uye unogona kupomerwa mhosva. Iwe unogona zvakare kuzviwana zvakaoma kuvhura imwe account kumwe kunhu kana iwe wakadzikwa neChexSystems.

🥀 Kunzwisisa cheki yebhangi

Cheki inowanzokumbirwa semuripo wekutenga kukuru, sekubhadhara pasi peimba. Chokwadi, cheki yemubhangi inotorwa kubva kubhengi account saka ine mukurumbira semari. Nokuda kwekutengesa kuduku, vatengesi vanowanzogamuchira kurongeka kwemari, iyo imwe nzira yekubhadhara kwakavimbiswa.

Kuti uwane cheki yemubhadharo, iwe unozoda chitupa uye rumwe ruzivo rwakakodzera. Unozodawo huwandu hwecheki, chiperengo chaicho chezita reanobhadhara uye chero memorandamu. Ruzivo urwu rwakadhindwa pacheki - haugone kuwedzera chero chinhu murunyoro.

Iwe haugone kukwenya chero chinhu. Kana iwe uine account nesangano, mari yakakumbirwa inobviswa kubva kuaccount yako uye yoendeswa kuaccount yebhangi. Kana usina akaundi kubhangi, unogona kubhadhara nemari. Kana cashier adhinda uye kusaina cheki, yagadzirira kushandisa.

📍 Ndingawane kupi cheki yemubhaisi?

Kufanana nemamwe macheki mazhinji, kune nzira nhatu huru dzekuwana cheki yecashier: kubva kubhangi, mubatanidzwa wechikwereti, kana online.

Unogona kutenga cheki kubva kubhengi. Ramba uchifunga kuti mamwe mabhanga anotengesa cheki dzecashier kune vatengi vavo. Saka kana usina akaundi yekubhanga, unofanira kufona usati waenda kubhangi kuti uone kuti vachakupa cheki yemubhangi.

Maitiro ekutora cheki yecashier kubva kumubatanidzwa wechikwereti akafanana. Mumwe mutsauko, zvisinei, ndewekuti iwe unogona kazhinji kuwana cheki yecashier kubva kune chero mubatanidzwa wechikwereti, ungave uri nhengo kana kwete.

Sarudzo yekupedzisira ndeyekuraira cheki ye online bank. Izvi zvinosiyana munzvimbo nenzvimbo, asi mabhanga mazhinji anongopa iyi sarudzo kune vatengi vavo. Kana ukakumbira cheki yemubhangi pamhepo, bhangi rinotumira cheki chaiyo kukero yako yetsamba. Izvi zvinoita kuti uve mutoro wako kuisvitsa kune anoigamuchira.

Izvi zvinokuchengetera rwendo kuenda kubhangi, asi zvinototora nguva yakareba sezvo uchivimba netsamba. Kana iwe usati uine online bank account parizvino, ini ndinokurudzira gwara rangu rakazara rekugadzira online bank account.

📍 Njodzi dzine chekuita nekushandiswa kwecheki dzebhangi

Cheki dzeCashier dzinopa nzira yakachengeteka yekubhadhara. Zvavo zvekuchengetedza zvakadhindwa pacheki zvinodzivirira chero zvingangoita manyepo. Asi hutsotsi hwemanyepo huri kuitika.

Cheki yemubhaisikopo ine hutsotsi inogona kujeka ipapo padhipoziti yekutanga. Chokwadi, bhanga rakavimbisa kuti mari ichavepo. Asi kana bhangi raona kuti cheki inhema, kazhinji mavhiki mushure medhipoziti, vanodzoserwa mari. Sezvineiwo, anobatsirwa ari kunze kwehomwe yemari chero yashandiswa.

Nechikonzero ichi, iwe unofanirwa kutarisira zvakanyanya necheki yemubhadharo iyo munhu wausingazive anokutumira iwe sechipo. Ratidza kune anobvisa mari kuti aratidze kuti cheki iri pamutemo. Kana iwe uchinetseka chaizvo, unogonawo kumirira mavhiki akati wandei kuti uone kuti cheki yabviswa usati washandisa mari.

Kuti udzidze zvakawanda nezve cheki yekubhangi, tarisa zita rakazara gwara pa zvese zvaunoda kuziva nezvemacheki ekubhengi.

🥀 Macheki ane certified anoshanda sei ?

Certified cheki imwe mhando yecheki yakakosha. Iwo akati ndeemusanganiswa pakati pemacheki ebhangi nemacheki emunhu. Cheki yakasimbiswa icheki yemunhu inovimbiswa nebhangi reanopa cheki. Bhanga rinoona siginicha yemuridzi weakaundi uye kuti ane mari inokwana kuti abhadhare, rozoisa parutivi mari yecheki kana yaiswa mari kana kuiswa.

Kuwana uye kushandisa cheki yakasimbiswa iri nyore. Mabhangi anoburitsa ese macertified cheki nemabhangi cheki. Kazhinji, unofanirwa kuenda kubazi, webhusaiti yebhangi rako, kana kuiraira parunhare.

Cheki dzakasimbiswa dzakachengeteka zvakanyanya. Izvo zvekuchengetedza zvecheki izvi zvakanyanya kubatsira mubhadharo kwete muripo, sezvo mari inovimbiswa. Zvisinei, cheki yakasimbiswa inogona kuva imwe nzira yakachengeteka yekutakura mari yakawanda yekubhadhara kutengeserana.

Zvechokwadi, cheki yakasimbiswa inogonawo kutumirwa kana kutumirwa, izvo zvausingade kuita nemari.

📍 Nzira Yekunzvenga Certified Check Kubiridzira ?

Pane zvikonzero zvitatu zvikuru nei vanhu vanofarira kushandisa cheki dzakasimbiswa. Ivo vanotsvaga chengetedzo kuti vadzivise kubiridzira uye macheki ebounces ekutengeserana kukuru. Kushandisa cheki yakasimbiswa kunogona kupa mutengesi chokwadi chekuti achabhadharwa.

Nekudaro, heano mamwe matipi ekudzivisa hutsotsi hunogona kuitika:

• Paunogamuchira cheki yakasimbiswa, fonera bhanga nekukurumidza mushure mekugamuchira cheki. Usashandise chero nhamba yefoni yebhangi yakadhindwa pacheki. Kana cheki ichi chitsotsi, nhamba iyi inogona kunge iri yenhema zvakare. Unogona kutsvaga online banking.
• Bvunza bhanga kuti rione zita uye cheki nhamba yeakaundi account.

Vekunyepedzera vari kuramba vachinyanya kudhinda malogo emubhangi anotaridzika sezviri pamutemo uye kugadzira cheki dzemanyepo dzinogutsa. Kunyange zvazvo cheki yakasimbiswa kazhinji yakachengeteka kudarika cheki yako pachako, ita dzimwe gadziriro.

📍 Ndeipi nguva yekushandisa cheki yakasimbiswa?

Mamwe marudzi ekutengeserana akadai sekutengwa kwefurati kazhinji anoda mari yakavimbiswa. Iwe unogona zvakare kuda cheki yakasimbiswa kuti utenge mota yakashandiswa kana yekubhadhara pasi chikwereti. Muzviitiko izvi, cheki yega yega inogona kusagamuchirwa, izvo zvinowanzonzwisisika.

Mushure mezvose, hapana vimbiso kune anobhadhara kuti account yebhangi yega ine mari inokwana kuvhara cheki. Kushandisa cheki yakasimbiswa hakubatsiri mubhadhari, kunyange zvazvo kuchigona kupa zvakanakira.

Panzvimbo pezvo, inopa mwero wakakura wechengeteko kune anogamuchira. Mune zvimwe zviitiko, kutengeserana hakugone kuenderera pasina kubhadhara necheki yakasimbiswa. Seimwe nzira, une macheki emari, odha yemari kana kuendesa waya.

🥀 Pfupiso…

Cheki dzakasimbiswa uye cheki dze cashier dzinogona kutariswa " macheki ehurumende ". Ose ari maviri anoshandiswa pachinzvimbo chemari, kiredhiti, kana cheki yemunhu. Izvo zvinoshandiswa kuvimbisa kubhadhara. Zvakaoma kutsiva marudzi aya echeki.

Kuti uwane cheki yemubhadharo wakarasika, unozofanirwa kuwana vimbiso yemuripo, yaunogona kuwana kuburikidza nekambani yeinishuwarenzi, asi izvi zvinowanzonetsa. Bhengi rako rinogona kuda kuti umirire mazuva anosvika makumi mapfumbamwe kuti utore cheki.

Cheki yemubhangi yakasiyana neyecheki yega nekuti mari inotorwa kubva kuaccount yebhangi. Necheki yega, mari inotorwa kubva kuaccount yako. Pamusoro pezvo, kana cheki yecashier yapihwa, zvakaoma kukanzura. Necheki yako pachako, unongobvarura kana kufonera bhangi kuti rimise kubhadhara.

Kana muine zvinokunetsa, tapota tisiyei mhinduro. Mubatsiri wako anogara ari kwauri.

Nekudaro, heino dzidziso inobvumidza iwe kuve nayo kuputika kwekushandura chiyero pane chako online chitoro. Ndiyo affiliate link.

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