Zvese nezve NSF cheki

Cheki inzira yekubhadhara zvishoma uye zvishoma kushandiswa, asi ichiri kushanda. Macheki magwaro anonzi ma title deeds anobhadhara imwe mari. Anogona kunge ari macheki ebhangi, cheki yemunhu, cheki dzakasimbiswa, nezvimwe. Pane maitiro anorangwa kana magwaro akataurwa anotorwa pasina mari, zvese nemutemo wekutengesa uye mutemo wemhosva, nezvirango kusvika uye kusanganisira nguva yejeri. Munyaya ino, ndinokuudza zvese nezve cheki yakaipa.

Asi tisati tatanga, dzidza zvakawanda nezve banking jargon.

🌾 Chii chinonzi NSF cheki?

Nekupa cheki muzita remumwe munhu, unovapa kodzero yekubvisa mari muakaundi yako yekubhangi pasina kuda kuvepo kwako. Kana panguva imwecheteyo, iwe usina mari muakaundi yako yekupembedza mari yakanyorwa pagwaro, saka icheki yeNSF.

Naizvozvo, cheki yeNSF ipepa risingabatsiri. Cheki inogona kupera mari nekuda kwezvikonzero zvakasiyana.

Pamwe nekusaziva : muridzi weakaunti akanyora cheki isiriyo, ingave isati yawana mubhadharo kana kuti asingazivi kuti iyo account haigone kuvhara mari yakazara. Pane akati wandei mamiriro aungagona kutenda zvine musoro kuti une mari iripo:

• Mari yawaitarisira (senge yakananga dhipoziti kubva kubasa rako) haina kusvika kuaccount yako.
• Dhipoziti kana mubhadharo hausati waburitswa kuaccount yako.
• Kutenga neyako debit card wakagadzira kubata kuaccount yako (zvichida kupfuura yawakashandisa chaizvo).
• Mumwe akaisa cheki yawakanyora kare asi wakanganwa nezvayo.

Kana nokuzvidira : Dzimwe nguva zvinodaro. Iwe unoziva kuti hauna mari, asi iwe unonyora cheki zvakadaro (iyo ipfungwa yakaipa).

🌾 Ko kana tatarisana necheki yeNSF?

Cheki dzeNSF dzinogona kukudyira mari yausina. Iwe unowanzobhadhara mubhadharo kumunhu wawakanyorera cheki (kazhinji anenge $25). Maitiro aya anogona kuita kuti bhizinesi kana sangano rirambe kugamuchira cheki dzako mune ramangwana.

Bhengi rako rinobhadharisawo macheki eNSF. Vanodzosera cheki kune bhizinesi risina kubhadharwa uye vanokubhadharisa mari yekutarisa yeNSF. Iyo inozivikanwawo semari isina kukwana mari, mubhadharo uyu unowanzo kutenderedza $35. Ndinokukurudzira kuti uverenge chinyorwa ichi kuti unzwisise zviri nani kusakwana mari kuchaja.

Bhengi rako rinogona kusarudza kubhadhara cheki se "ruremekedzo" uye kubhadharisa mari yeoverdraft (zvakare, kazhinji inenge madhora makumi matatu nemashanu, kana kuti vanogona kuidaidza kuti chikwereti uye kukubhadhara mubereko). Dzidza zvakawanda nezvekuti inoshanda sei zvirongwa zvekuchengetedza overdraft.

Kana uri kuverenga, ndiyo mari inokwana mbiri yaunobhadhara. Pane zvakare mukana wakanaka wekuti kubhadhara kwako kutariswe " kunonoka ”, saka unogonawo kutarisana nezvirango zvekunonoka kubhadhara. Heano matipi angu ekubata nema bounced cheki

📍 Mazano ekudzivirira

Kana zvasvika pakusaziva, kushanda kusingafadzi kunogona kudziviswa muzviitiko zvakawanda. Paunenge uchigamuchira cheki, zviri nyore kubvunza munhu akazviburitsa pazuva ripi ratinogona kuita mari (kubva pazuva ripi uye chii chinogumira). Nenzira iyi iwe unoronga mashandiro ako ekubhengi uye wowana mari yako panguva chaiyo.

Izvo zviri pamusoro zvakanakira vese munhu anobvisa cheki uye munhu anoiburitsa. Iyo yekare inodzivisa dambudziko rekuenda kubhangi zvisina kubudirira uye iyo yekupedzisira inodzivisa chirango chemari (komisheni) iyo bhangi rake richabhadhara nokuda kwekukundikana kwekutengeserana. Zvakakosha kuyeuka kuti pane mari inobhadharwa pamacheki eNSF. Shanyira bhanga rako kuti uzive zvakawanda nezve mari idzi.

Panyaya yekutengeserana kukuru kwemari, unogona kukumbira kuti ibhadharwe kwauri necheki yebhangi yakasimbiswa. Tarisa gwara iri kuti udzidze zvakawanda nezve macheki ane certified anoshanda sei.

📍 Zano rekurapa

Kana iwe uchinge watove nechiitiko chisingafadzi chekuenda kubhangi kunotora cheki pasina kubudirira nekuda kwemari isina kukwana, zvinokurudzirwa kuti:

Tanga waona munhu akupa cheki kuti akutsanangurire mamiriro acho ezvinhu uye wokumbira mhinduro. Unogonawo kumukumbira kuti akunyorere imwe cheki, kuita dhipoziti, kutumira mari kana kukupa mari yacho nekukurumidza.

Unogonawo kutora matanho emutemo kuvanhu ava kana varamba kukubhadhara. Kana uri kufunga kumhan'arira mumwe munhu nekuda kwechikonzero ichi, zvinokurudzirwa kutanga wasangana neboka remazvikokota kuti uwane rubatsiro rwakananga uye zano.

Ruzivo rwakawanda rwunopihwa ipapo kune yega yega mamiriro uye vane nyanzvi dzekubatsira kugadzirisa dambudziko. Kana mhosva ikahwinwa, munyengeri anofanira kukubhadhara, kwete chete huwandu hwechikwereti asiwo chekuwedzera. Izvi zvakasara ndezvekukuvadza uye mari dzemutemo.

🌾 Cheki yeNSF Inobata Sei Kuvimbika Kwako?

Cheki yeNSF hairatidze pane yako yechinyakare kiredhiti marepoti. Nekudaro, makambani anoda ChexSystems inogona kuchengeta rekodhi yebasa rako rekubhengi.

Kana iwe usina nhoroondo yakasimba yechikwereti (nekuti hausati wagadzira chikwereti chako), vanokweretesa, vashandirwi neveinishuwarenzi vanogona kutendeukira kumasangano ekukweretesa. dzimwe nzira » kuti usarudze kuita kana kusaita bhizinesi newe. Aya masangano anogona kusanganisira ruzivo nezvecheki dzakaipa, izvo zvinokuvadza mikana yako.

Mukuwedzera, kambani yaunopa bounced cheki inogona kutumira account yako kusangano rekuunganidza. Kana iyo agency ikashuma chiitiko kune makuru kiredhiti bureaus, yako yechinyakare kiredhiti mamakisi anozotambura.

Usati waenda, heino dzidziso inokubvumira kuti uite tenzi kutengesa muawa imwe chete. dzidza zvimwe nezveProptechsla green finance zvakare.

FAQ

Chii chinonzi cheki yakaipa?

A bounced cheki (kana bogus cheki) icheki inopihwa nedhirowa (iyo inonyora cheki) kana vasina mari yakakwana muakaundi yavo yekubhangi yekuivhara. Kana mubatsiri akaisa cheki kubhangi rake, wekupedzisira anocherekedza kusavapo kana kusakwana kwemari uye anogona kuramba kubhadhara.

Ndezvipi zvinokonzeresa cheki yeNSF?

Kupa cheki yakaipa imhosva inorangwa nefaindi uye nguva yejeri. Pamusoro pezvo, nyaya dzehurumende dzinogona kutangwa nemubatsiri kuti awane muripo wekukuvara kwavo.

Dhirowa ichaita kuti zita rake rinyoreswe muNational File of Irregular Checks (FCC) kwemakore mashanu. Izvi zvichairambidza kuburitsa cheki kumabhanga ese eFrance, kunze kwekunge vatenderana navo.

Mari yebhanga yema bounced cheque inobvisiswawo nebhanga.

Chii chinoita dhirowa yenjodzi yekutarisa yakaipa?

• Muripo unosvika €375
• Kurambidza kuburitsa cheki kweanopfuura makore mashanu
• FCC kunyoreswa kwemakore mashanu
• Mutongo wejeri unosvika makore mashanu nemhosva yekudzokorora
• Kubhadharwa kwekukuvara kwakatambura nemubatsiri
• Mari yekurambwa kwebhangi

Ndezvipi zvirango zveanobatsirwa necheki yakaipa?

Mubatsiri haapihwe chirango chemhosva kana akaisa cheki yakaipa yaaive asingazivi nezvekukanganisa kwayo. Nekune rumwe rutivi, kana akapindira munyaya yehutsotsi, anooneswa zvirango zvakafanana neanopfura.

Maitiro ekugadzirisa sei mamiriro ako mushure mekupa cheki yakaipa?

Dzakawanda sarudzo dzekugadzirisa:

• Ipa mari kune anobhadhara nemari yecheki
• Ita kuendesa kune anobatsirwa
• Kumbira nguva yekupedzisira yekubhadhara kubva kune anobatsirwa
• Kumbira tsamba yekuregererwa kwekupomerwa kubva kune anobatsirwa
• Tumira chikumbiro kumuchuchisi wekukumbira kubviswa kwekurambidzwa kwebhangi

Muzviitiko zvese, mudhirowa anorayirwa kuti abate bhangi rake uye anobatsirwa kuti awane mhinduro ine hushamwari yekugadzirisa gakava.