Zvese zvaunoda kuti uzive nezve cheki yebhangi

Cheki yekubhangi ipepa rakadhindwa kare rine marongerwo akasarudzika. Cheki dzinoshandiswa sekubhadhara pachinzvimbo chemari uye dzinogona kupihwa/kudhonzwa chero mari inodiwa neanopa cheki.

Iwo mudziyo webhangi mukuderera asi uchiri kushandiswa mune dzimwe nyika pasirese. Inoshandiswa munyika dzakawanda muEurope uye kunyange muAfrica uko kubatanidzwa kwemari ichiri kupera simba. Asi, zvinoshamisa kuona kuti vanhu vazhinji, kunyangwe vashandi vehupfumi vanongove neruzivo rwekutanga rwecheki.

Nokudaro, ndakafunga kunyora gwaro rino rinotsanangura nheyo dzekutanga dzecheki dzebhangi, kuti dzinoshanda sei kuti dzikubvumire iwe panguva yakakodzera kuti uishandise panzvimbo yeimwe nzira yekubhadhara. Ndinokuudzai ZVOSE. Asi usati watanga, heino premium kudzidziswa iyo ichaita inokutendera iwe kuziva zvese zvakavanzika kuti ubudirire muPodcast.

handeyi

🌿 Chii chinonzi cheki yekubhangi?

Cheki chibvumirano chekubhadhara pakati pevanhu vaviri kana masangano. Paunonyora cheki, uri kubvuma kubhadhara mumwe munhu kana sangano mari yaunokwereta kwavari uye uri kukumbira bhangi rako kuti ribhadhare.

Cheki dzeCashier inogona kunge iri nzira inosarudzika yekubhadhara mune mamwe mamiriro emari kana iwe uchida kuita mubhadharo wakakura kana uine hanya nezve muripo wekuchengetedza.

Mhando iyi yekubhadhara inovimbiswa nebhangi, iyo inogona kupa chivimbiso kune vanogamuchira kuti cheki haizodzoserwe nemari isina kukwana. Ndisati ndataura newe nezvemacheki ekubhangi, ndinoda kutanga ndakupa marudzi emacheki aripo.

🌿Mhando dzakasiyana dzemacheki

Kune marudzi akasiyana echeki kunze kwerudzi rwebepa rinounganidza guruva mumadhirowa edhesiki rako. Unogona kusasangana navo kazhinji, asi kuvaziva kunogona kubatsira kukudzivirira paunenge uchitenga.

Hezvino izvo zvaunoda kuziva nezve cinq marudzi emacheki kunze kwecheki yega uye paungasangana navo.

#1 Cheki yebhangi, cheki yebhangi kana cheki yepamutemo

Cheki yemhando iyi haina njodzi yekushandisa pane cheki yemunhu. Paunoshandisa cheki yako pachako, mari yacho inouya zvakananga kubva kuaccount yako, saka kana zvikazoitika kuti hauna mari yakakwana yekuvhara zvaunokwereta, mupiki anogona kunge asina rombo rakanaka. Cheki yecashier, kune rumwe rutivi, haingadhuri.

Kazhinji cheki ye cashier zvakare haisi yemahara. Mari yekubhadhara inogona kusiyana zvichienderana nebhangi raunoshandisa, rudzi rweakaundi yaunayo, uye kukura kwecheki. Imhando iyi yecheki inotifarira munyaya ino.

#2. Certified cheki

Cheki yakasimbiswa imhando yecheki yega inovimbiswa nebhangi. Paunonyora cheki, bhangi rinotarisa kuti une mari yakakwana muakaundi yako yekutarisa kuti uivhare. Anokwanisa kubata mari idzodzo kusvika cheki yapera.

Cheki kazhinji ine "certified" yakadhindwa kana kudhindwa pairi. Mari yekubhadhara inosiyana zvichienderana nebhangi raunoshandisa uye nekukura kwecheki.

#3. Maodha emari yepositi

Mari maodha zvitupa zveprepaid mapepa anoshanda secheki. Anenge atambira anogona kuisa kana kuita mari.

Mukana wakakura wemaodha epositi nderekuti unogona kuzvitenga munzvimbo dzakawanda dzakasiyana, kusanganisira mahofisi eposvo. Izvi zvinoita kuti ive sarudzo yakanaka kune vanhu vasingashandisi maakaundi ekubhangi kana vasingakwanise kuwana bazi riri pedyo rebhangi ravanofarira.

#4. macheki emagetsi

Cheki yemagetsi idhijitari yebepa cheki yako yakapihwa nebhangi rako. Iwe unogona kazhinji kuseta otomatiki kubhadhara uchishandisa macheki emagetsi saka haufanirwe kurangarira kunyora cheki yepepa yezvikwereti zvinodzokororwa senge rendi yako kana imba yemba.

#5. Hofori inotarisa

Kunyangwe vachitaridzika zvakanaka mumifananidzo, iwo macheki makuru aunoona lottery uye vanokunda mumakwikwi vakabata angori maprops. Havagoni kuvapa mari. Vanohwina lottery vanowanzo gamuchira mari yavo chaiyo nekuendesa kubhangi.

🌿Misiyano pakati pemacheki ekubhangi nemacheki emunhu

Cheki yemunhu inobvumidza iwe kutumira mari kune mumwe munhu kubva kubhengi account yako. Igwaro repamutemo rinoudza bhangi kuti ripe mumwe munhu mari yakatarwa kubva kuakaundi yebhangi.

Unogona kuzadza imwe woipa kune chero munhu, uye vanogona kuiisa muakaundi yavo yekubhangi kana kuibvisa. Mari ichatorwa kubva kuaccount yako.

Zvisinei, cheki yebhangi inotorwa pamari yebhangi kwete yako. Izvo zvinonyatso vimbiswa kuti usazobounce, kusiyana necheki yega.

Vanowanzo gadzirisa nekukurumidza kupfuura cheki yemunhu, zvinoreva kuti mari inogona kuwanikwa nekukurumidza mushure mekuiswa kwecheki cheki kupfuura cheki yega yega. Tarisa gwara iri kuti udzidze zvakawanda pamacheki ekubhangi, cheki dzakasimbiswa uye cheki dzemunhu

🌿 Macheki anogadziriswa sei?

Cheki dzese dzinofanirwa kugadziriswa - kana kucheneswa uye kubhadharwa - kuburikidza nehurongwa hwekubhadhara. Hezvino mashandiro ayo. Paunoisa cheki muakaundi yako, bhangi rako rinotumira cheki yacho kubhangi remunhu akanyora cheki.

Iri bhangi rinoona kuti cheki iri pamutemo uye kuti pane mari yakakwana muakaundi yeanopa cheki kuti ivhare cheki, yozotumira mari kubhangi rako. 

Izvi zvinogona kutora mazuva mashoma, asi kune macheki mazhinji bhangi rinoita kuti mari iwanikwe kumutengi nekukasira. Nekudaro, hazvisati zvasvika bhangi rako rawana simbiso kubva kubhengi recheki iro ravanoziva nechokwadi kuti mari iripo.

Izvo zvisingazivikanwe nevanhu vazhinji ndezvekuti kusvika bhangi ragamuchira iyi simbiso, ivo vari kuendesa mari kwauri.

🌿 Izvo zvikamu zvecheki yebhangi

Kana uchida kuburitsa cheki yekubhangi kuti ubvise chikwereti kana kutenga, remekedza zvinotevera:

Zuva recheki

Macheki anodhirowa pazuva rakatarwa. Zuva racho rinogona kuva chero zuva raunoda uye harifanire kunge riri zuva raunonyora cheki.

Asi cheki ine nguva yechokwadi kubva pazuva rakaratidzwa pacheki. Cheki yega yega yakanaka kwemwedzi mitanhatu, nepo bhizinesi/cheki yekambani yakanaka chete kwemwedzi mitatu.

Pamusoro pezvo, mamwe macheki ekutengesa anopihwa yakatarwa nguva isingasviki mwedzi mitatu. Somuenzaniso, dividend pay cheque inowanzo pihwa neava nguva yemwedzi mumwe chete.

Zuva recheki rakakosha nekuti anenge atambira cheki anogona kuita mari cheki musi kana mushure mezuva recheki uye panguva yechokwadi. Cashing cheki izwi rinoshandiswa kushandura cheki kuita mari chaiyo.

Zita remubatsiri

Chikamu che "payee" chinokubvumira kunyora zita remunhu kana kambani inofanirwa kubhadhara cheki. Asi kana iri cheki yebhizinesi, mabhangi anomisa mari yake chete nemunhu ane zita rinowanikwa muchikamu chePayee.

Unogonawo kunyora izwi rekuti "Cash" semubatsiri pachinzvimbo chemunhu kana zita rebhizinesi.

Izvi zvinoreva kuti cheki inotarisirwa kushandiswa semari. Ani nani akabata cheki anogona kuita mari pakaunda yebazi rebhanga. Uyezve, iwe unogona kupa cheki yemari yawakagamuchira kubva kune mumwe munhu kune rimwe bato pamwe nenzira yekubhadhara.

Mari inofanira kuunganidzwa

Iwe unofanirwa kuisa iyo mari inounganidzwa mune yedhijitari fomu mubhokisi rakapihwa. Mari yaunonyora pano inofanira kufanana nemari yawakanyora mumashoko. Zvikasadaro, cheki icharambwa nebhanga.

Iwe unofanirwawo kunyora huwandu hwecheki mumashoko pamitsetse ine madoti yakapihwa. Unofanira kuchinyora nemutauro unonzwisiswa nechero bazi rebhangi.

Munhu anosaina ane mvumo

Paunovhura account yekutarisa, unopa sample ye signature yako kubhangi. Iwe unofanirwa kuisa siginicha imwechete kuti usimbise cheki dzako.

Nzvimbo iyi iri pazasi pebhokisi pawakanyora huwandu hwehuwandu. Cheki isina siginicha chaiyo icheki isiriyo kunyangwe zvimwe zvikamu zvese zvakapedzwa nemazvo.

Kujoinha maakaunti ekutarisa kunogona kuve nemumwe kana akawanda akabatana ane account account anofanirwa kusaina cheki. Iwe unoratidza pakuvhurwa kweaccount nhamba yemasaini anodiwa kuti cheki isimbise cheki. Izvi zvinowanzova siginicha imwe kana maviri.

Kuva nevasaina vakawanda pacheki kuti ishande itsika yekuongorora bhizinesi uye inoshandiswa senzira yekudzivirira hutsotsi sezvo mapato maviri achaongorora cheki asati asaina. Cheki yakadaro kazhinji inotakurawo chitambi chekambani.

Nzvimbo inoverengwa nemuchina

Cheki dzese dzine nzvimbo chena yakatwasuka pazasi pecheki. Inodhindwa nenhamba uye mavara akakosha uchishandisa ingi yakakosha inonzi magnetic ink uye ine yakakosha font. Iri ifaera rinoverengwa nemuchina uye haufanirwe kukuvadza chikamu ichi checheki.

Mabhangi anodyisa cheki yaanogamuchira kuti atarise ma scanner uye nzvimbo iyi inoverengwa nemuchina. Mavara akadhindwa munzvimbo iyi anonzi magineti inki mavara.

🌿 Nzira yekuisa cheki nefoni yako?

Iwe unogona kunge wakanzwa nezve nzira nyowani yekuisa cheki dzako. Nharembozha kana yeremote cheki dhipoziti inokutendera kuti utore mufananidzo wecheki yako, cheki yebhizinesi kana odha yemari (zvinoenderana nebhangi) woiisa pamagetsi uchishandisa nharembozha yako. Mabhanga mazhinji pasi rese ave kupa basa iri.

Le nzira iri nyore. Saina kuseri kwecheki yako wobva wapinda mubhanga rako rebhengi app, sarudza iyo dhipoziti sevhisi uye tevera mirairo. Maitiro acho akachengeteka uye ruzivo rwako rwemari haruna kuchengetwa pafoni yako.

Ruzivo rwese rwemari zvakare rwakavharirwa zvakachengeteka. Unogona kunyora " dhipoziti »pacheki uye uichengete munzvimbo yakachengeteka kwenguva pfupi (vhiki mbiri inowanzokurudzirwa) isati yaparadza.

🌿 Ndepapi paungada kushandisa cheki yemubhadharo?

Cheki dzeCashier dzinowanzo kugadzirirwa kushandiswa kana iwe uchida kuita kana kugamuchira mubhadharo wakakura zvakachengeteka. Mamiriro ezvinhu aungangoda kuburitsa kana kugamuchira cheki yecashier anosanganisira:

• Tenga kana kutengesa motokari
• Tenga kana kutengesa imba
• Bhadhara dhipoziti yefurati
• Bhadhara mari yechikoro neyekuyunivhesiti
• Kubhadhara chikwereti chikuru kune shamwari kana nhengo yemhuri
• Gamuchira chitsama sechikamu chekugadzirisa nyaya
• Gamuchira mari yekubviswa kubva muinvestment kana retirement account

Iwe unogona zvakare kusarudza kuwana cheki checashier mune chero mamiriro aunoda kubhadhara, asi iwe haudi kuti mubhadharo ave neruzivo rwako. Akaundi yebhangi.

🌿 Nzira yekudzivirira sei kubhengi cheki scams?

Dzimwe nguva matsotsi anogadzira cheki dzemanyepo kana kuchinja zita kana huwandu hwecheki iri pamutemo. Hutsotsi. Pane matanho akati wandei aungatora kuti uzvidzivirire pakubiridzirwa kwecheki. Heano mazano angu:

• Nguva dzose chengeta cheki dzako munzvimbo yakachengetedzeka.
• Kana ukavhara account yako, cheka cheki dzese dzisina kushandiswa.
• Kana ukagamuchira cheki isingaratidzike pamutemo, kukumbira imwe nzira yekubhadhara.
• Ramba uine vanobhadhara vaunovimba navo. Chenjerera mari dzecheki kubva kumakambani kana vanhu vausingazive.
• Tarisa cheki dze cashier usati wagamuchirwa. Usati wabvuma cheki yekubhangi semuripo, taura nebhangi rabuda. Izvi zvinokutendera kuti uone kuti cheki ndeyechokwadi.
• Tarisa mireza matsvuku ari pachena. Zvimwe zviratidzo zviri pachena zvekuti cheki yekubhangi inogona kunge iri yemanyepo zvinosanganisira kunyora nemaoko kana kushaikwa. Mumwe anogona semuenzaniso kuve nekushaikwa kwenhamba yekufambisa kana watermark yebhangi.
• Mirira cheki kuti ichene. Usabhadhare kana kutenga uchipesana nemari yecheki yemubhadhari kusvika wasimbisa nebhangi rako kuti cheki yabviswa. Kana cheki ichikwira, unobhadhara mari yekubhangi overdraft.

🌿 Zvakanakira nekuipira kwecheki dzebhangi

Cheki dzeCashier dzinogona kupa mabhenefiti akati wandei paunenge uchibhadhara, asi pane mashoma anogona kudzika pasi kuti urambe uchifunga. Heino mhedziso yezvakanakira nekuipira kwecheki yebhangi.

Zvakanakira zvebhengi cheki

Kubhadhara kwakachengeteka. Sezvo mari yacho ichibviswa kubva kubhangi yebhangi uye yakavimbiswa nebhangi, haufaniri kunetseka nezvekudzoka kwecheki kune mari isina kukwana. Izvi zvinogona kukubatsira kuti udzivise overdraft uye kudzorera mari yekubhadhara.

Kuwanikwa kwemari kunogona kukurumidza. Mabhangi anoshandisa mitemo yekuwanikwa kwemari kuona kuti madhipoziti achapera rinhi. Somuenzaniso, mamwe mabhadharo anogona kutora mazuva anosvika mashanu ebhizinesi kuti abvise, kana kureba kune madhipoziti makuru.

Sezvo cheki yemubhadharo ichivimbiswa, nguva yekubata inogona kuva ipfupi pane mubhadharo cheki yega.

Chengetedzo inowedzerwa. Cheki yecheki inogona kuderedza njodzi yekubiridzirwa kwecheki sezvo chete munhu wainopihwa anogona kuitora. Cheki dzekubhanga dzakanatsiridza kuchengetedzwa, senge mawatermark, kudzivirira kudhindwa kwechitsotsi.

Kuipa kwecheki dzebhangi

Havakundikani. Cheki dzeCashier dzakachengetedzeka kupfuura mamwe marudzi ekubhadhara cheki, asi dzinogona kuramba dziri chinangwa chekubiridzira. Matsotsi anogona kugadzira macheki ekubhangi echokwadi kuti akubhadhare ayo anongoonekwa kuti ndeemanyepo paunoedza kuaisa kubhangi rako.

Cheki dzekubhangi dzinowanzouya nemubhadharo. Nepo mamwe mabhanga achigona kupa cheki dzecashier mahara, bhenefiti iyi inogona kuwanikwa chete kana uine premium yekutarisa account. Kazhinji iwe uchabhadhara mubhadharo inenge 10 $ cheki yemubhadharo.

Unofanira kuenda kubazi rako rebhangi. Kunyangwe iwe uchigona kunyora cheki yako pachako kubva mubhuku rako recheki kumba, kazhinji unozofanira kuenda kubhangi kunotora cheki yemubhangi kana sangano rako rezvemari rikasakutendera kuti uaodhare online.

Izvi zvinogona kunetsa kuita kana uchifanira kubhadhara kunze kwemaawa enguva yekubhanga. Somuenzaniso, Kuedza kutenga motokari neMugovera kungada kumirira kusvika Muvhuro kana bhangi rako risina kupera kwevhiki kana manheru.

🌿 Pfupiso...

Pakazara, cheki yekubhangi inopa chengetedzo yepamusoro pane kushandisa cheki yako pachako kana kurongeka kwemari. Mhando dzakasiyana dzekutengeserana dzakakodzerwa nemhando dzakasiyana dzekubhadhara.

Pamatengesi makuru, kupa (kana kugamuchira) cheki yecashier inogona kuva sarudzo yakanakisisa. Usati waenda, heino kumwe kudzidziswa kunokubvumira kuti udaro tenzi kutengesa muawa imwe chete. Dzvanya pano kuti uitenge.

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