Iitshekhi zebhanki, iitshekhi zobuqu kunye neetshekhi eziqinisekisiweyo

Kukho abantu abaninzi abathi, yonke imihla, bakhuphe okanye bafumane iitshekhi ngaphandle kokuba nolwazi olwaneleyo ngezi zixhobo. Enyanisweni, yena kukho iintlobo ezininzi zeetshekhi : iitshekhi ze-elektroniki, iitshekhi eziqinisekisiweyo, iiodolo zemali yeposi, iitshekhi zebhanki, iitshekhi zobuqu, njl.

Itshekhi yobuqu ikuvumela ukuba uthumele imali kumntu osuka kwiakhawunti yakho yebhanki. Itshekhi yebhanki, kwelinye icala, itsalwa kwiimali zebhanki kuneyakho. Itshekhi eqinisekisiweyo lolunye uhlobo olulodwa lwetshekhi olutsalwa kwiimali zakho kunye nesiqinisekiso esivela ebhankini sokuba imali ikhona.

Izinto ezininzi ezithengiweyo ezinje ngeemoto kunye nepropathi zifuna iitshekhi eziqinisekisiweyo okanye iitshekhi ze-cashier. Kweli nqaku, ndibonisa umahluko phakathi kwezi ntlobo zintathu zeetshekhi.

🥀 Zisebenza njani iitshekhi zomntu?

Itsheki yobuqu luxwebhu olusemthethweni oluyalela ibhanki ukuba inike umntu othile isixa esithile semali kwiakhawunti ethile yebhanki. Ungagcwalisa enye kwaye uyinike phantse nabani na. Imali iya kuthathwa kwiakhawunti yakho.

Iitshekhi zakho sele zinegama lakho kunye nedilesi eprintiweyo kuzo kunye nenombolo yeakhawunti yakho yebhanki kunye nekhowudi yebhanki. Kufuneka nje ubonise igama lomntu ohlawulwa kuye itshekhi kunye nemali echanekileyo.

Iitshekhi zobuqu zisetyenziselwa ukuhlawula umntu okanye ivenkile eyamkela iitshekhi zobuqu kwaye imali itsalwa ngokuthe ngqo kwiakhawunti yakho yebhanki. Ingxaki ngeetshekhi zobuqu kukuba iivenkile ezininzi azizamkeli njengentlawulo.

Ngokuqhelekileyo, ukuba une-akhawunti yokutshekisha okanye enye iakhawunti enobuchule bokubhala itshekhi, njengezinye akhawunti kwimarike yemali, unoku-odola iitshekhi ebhankini eprintwe kwangaphambili kunye nenombolo yeakhawunti yakho yebhanki kunye nenombolo yebhanki yomzila.

Xa ufuna ukuhlawula umntu, unokubeka igama lakhe okanye igama lenkampani kwitshekhi, umhla, ubhale imali ofuna ukuyihlawula, kwaye usayine itshekhi.

📍 Iintlobo zeetshekhi zomntu

Zimbini iindidi zokutshekishwa komntu: iitshekhi zobuqu kunye neetshekhi ezingenanto.

Le itshekhi yobuqu iprintwa kunye negama lakho, idilesi, inombolo yomnxeba, inombolo ye-akhawunti yebhanki kunye nenombolo yebhanki. Omawukwenze kukufaka igama lomntu lowo itshekhi ihlawulwa kuye kunye nemali ekufuneka ihlawulwe.

Un itshekhi engenanto yitshekhi engazaliswanga enikwa "yidrowa" (lowo usayina itshekhi) kumntu ohlawulwayo. Ngoko ke inika ithuba lokuba lowo uyinxibileyo azigcwalise ngokwakhe. Ayinagama okanye idilesi yakho.

Nangona kunjalo, olu lwazi aluyomfuneko kuba itshekhi iqulethe inombolo yakho yebhanki kunye ne-akhawunti yebhanki. Kwanokuba ukusetyenziswa kwayo kuncinane, itshekhi engabhalwanga iluncedo maxa wambi xa umntu wesithathu kufuneka ahlawule iindleko angazaziyo kwangaphambili isixa.

Nangona kunjalo, itshekhi engenanto inokuba yingozi kuba, xa kuthe kwenzeka ilahleko, umntu oyifumanayo unokuyigcwalisa njengoko enqwenela kwaye azikhethele yena njengabaxhamli. Ngaphaya koko, indlela yokudubula umdubuli kule meko ilinganiselwe.

📍 Iitshekhi zobuqu ezikhutshwe ngemali engonelanga : Kuqhubekani?

Iitshekhi zobuqu ziphakathi kweendlela ezahlukeneyo zetshekhi ezithi iibhanki zifumaneke kubathengi bazo abazicelayo. Ukuba unika umntu itshekhi yobuqu kwaye imali ingekho kwiakhawunti yakho xa ezama ukuyifaka imali okanye ukuyifaka, itshekhi iya kubuyiselwa kuwe njengenganelanga. Ngoko ke uya kuhlawula umrhumo wokuhlawula le tshekhi.

Ukuba ubhala itshekhi ngemali engonelanga kwaye unesicwangciso sokukhusela i-overdraft, ibhanki inokukuboleka imali yokuhlawula itshekhi, kodwa imirhumo kunye nenzala ingaba phezulu.

Ezinye iibhanki zinokuthumela ngokuzenzekelayo imali kwenye iakhawunti, njenge-akhawunti yokonga, ukuhlawula isixa setshekhi ukuba imali ikhona.

Ngamanye amaxesha kunokwenzeka ukuba iibhanki zibone ukuba kukho imali eyaneleyo kwi-akhawunti yokufaka okanye ukukheshishe itshekhi xa unikezela kumthengisi. Amanye amashishini anokwenza iitshekhi zemali ngoko nangoko ngokuwaphatha njengodluliselo lwemali yedijithali.

📍 Imingcipheko enxulumene nokuhlolwa komntu

Njengoko akusoloko kunokwenzeka ukuqinisekisa ukuba kukho imali kwi-akhawunti, kukho umngcipheko othile ekwamkeleni isheke sobuqu sokuhlawula, ngakumbi kumntu ongamazi kakuhle. Ukuba unako, uya kufuna ukuqiniseka ukuba itshekhi iyacinywa phambi kokuba unike nayiphi na into enexabiso ekutshintshisweni ngayo.

Qinisekisa ukuba unokuqhagamshelana nomntu okunike itshekhi ukuba kukho ingxaki. Nangona ukubhala ngabom iitshekhi ezingaxhaswanga yimali yokwenene ebhankini lulwaphulo-mthetho, oko akuthethi ukuba akwenzeki ngengozi.

Iimpazamo zebhanki ezingahambelaniyo kunye nokuhoxiswa kobuqhophololo kunokubangela ukuba iitshekhi zigxumeke okanye zikhatywe ngaphandle koxanduva kumniki. Iitshekhi zobuqu nazo zithatha ixesha ukucocwa okanye ukuzinzisa. Kude kube njalo, imali isenokungafumaneki ngokupheleleyo kwiakhawunti yakho.

Ngokuxhomekeke kwibhanki apho itshekhi ikhutshwe khona nalapho ifakwe khona, iitshekhi zinokuthatha iintsuku ezimbalwa okanye ngaphezulu ukuze zicinywe. Ibhanki yakho inokukunika imali onokuthi uyichithe phambi kokuba itshekhi oyidiphozithi iphele.

📍 Kwenzeka ntoni xa ubhampa itshekhi yakho?

Ewe, uhlawula umrhumo ukuba awunayo imali oyithembisileyo kwiakhawunti yakho. Ngokuxhomekeke kwiziko lezemali kunye neakhawunti yangoku, nantsi imirhumo onoxanduva lokuyihlawula:

• Imirhumo ye-Ovadrafti

Ukucima le chekhi, ibhanki yakho inokugunyazisa i-ovadrafti yebhanki, eya kubeka i-akhawunti yakho ebomvu. Ngoko ke uya kuhlawula imirhumo ye-ovadrafti yebhanki eyahluka ngokuxhomekeke kwibhanki kunye nesixa se-ovadrafti.

• Imirhumo yeeNgxowa-mali eziNganelanga (NSF).

Ibhanki yakho inokungavumeli i-ovadrafti kwaye yale ukucima itshekhi. Ngeli xesha, bakuhlawulisa umrhumo we-FNS, othi, njengemirhumo ye-ovadrafti, ihluke ngokubanzi ngokuxhomekeke kwibhanki kunye nesixa esiceliweyo.

• Imirhumo yokudluliselwa kokhuselo lwe-Ovadrafti

Ezinye iibhanki zibonelela ngokhuseleko lwe-overdraft, ekuvumela ukuba udibanise iakhawunti yakho yokutshekisha kwiakhawunti yokonga, ikhadi letyala okanye, kwezinye iimeko, umgca wekhredithi ebekelwe kwangaphambili le njongo. Ibhanki ke isebenzisa eli khonkco ukuba ukhupha ngaphezulu kweakhawunti yakho yangoku. Ibhanki yakho iya kudlulisela imali kwi-akhawunti eqhagamshelweyo ukuze ihlawule itshekhi kwaye ibize umrhumo omncinci.

Ukuba awuhlawuli imirhumo ye-FNS okanye ukuba ungene kumkhwa wokubhala iitshekhi ezibhampisiweyo, ibhanki inokuvala iakhawunti yakho kwaye unokujamelana nezityholo zolwaphulo-mthetho. Unokufumana kunzima ukuvula enye iakhawunti kwenye indawo ukuba ufakwe kuluhlu olumnyama yiChexSystems.

🥀 Ukuqonda itshekhi yebhanki

Itshekhi idla ngokucelwa njengentlawulo yeentengo ezinkulu, njengentlawulo yendlu. Ngokwenene, itshekhi yomntu ophatha imali itsalwa kwiakhawunti yebhanki kwaye ke ngoko idume njengemali. Ngeentengiselwano ezincinci, abathengisi bavame ukuvuma umyalelo wemali, enye indlela yokuhlawula okuqinisekisiweyo.

Ukufumana itshekhi ye-cashier, uya kufuna isazisi kunye nolunye ulwazi olufanelekileyo. Kananjalo uya kufuna isixa setshekhi, upelo oluchanekileyo lwegama lomntu ohlawulwayo kunye nayo nayiphi na imemorandam. Olu lwazi lushicilelwe kwitshekhi - awukwazi ukongeza nantoni na ngokubhala ngesandla.

Nawe awunako ukukrwela nantoni na. Ukuba une-akhawunti neziko, isixa esiceliweyo siyatsalwa kwi-akhawunti yakho kwaye idluliselwe kwi-akhawunti yebhanki. Ukuba awunayo i-akhawunti ebhankini, usenokukwazi ukuhlawula ngemali ezinkozo. Nje ukuba i-cashier iprinte kwaye isayine itshekhi, ilungele ukusetyenziswa.

📍 Ndingayifumana phi itshekhi yecashier?

Njengezinye iitshekhi ezininzi, kukho iindlela ezintathu eziphambili zokufumana itshekhi ye-cashier: ukusuka ebhankini, kwi-credit union, okanye kwi-intanethi.

Ungathenga itshekhi kumthengisi webhanki. Gcina ukhumbula ukuba ezinye iibhanki zithengisa kuphela iitshekhi ze-cashier kubathengi bazo. Ngoko ke, ukuba awunayo iakhawunti yebhanki, kufuneka ufowune ngaphambi kokuba uye ebhankini ukuze uqiniseke ukuba ziya kukunika itshekhi yecashier.

Inkqubo yokufumana itshekhi ye-cashier kwimanyano yamatyala iyafana. Omnye umahluko, nangona kunjalo, kukuba unokufumana itshekhi ye-cashier phantse kuyo nayiphi na imanyano yamatyala, nokuba ulilungu okanye awulilo.

Inketho yokugqibela kukuodola itshekhi ibhanki ye-intanethi. Oku kuyahluka ngokweendawo ngeendawo, kodwa uninzi lweebhanki lubonelela kuphela olu khetho kubathengi babo. Xa ucela itshekhi ye-cashier kwi-intanethi, ibhanki iya kuthumela itshekhi ebonakalayo kwidilesi yakho yeposi. Oku kwenza kube luxanduva lwakho ukuyifumana kumamkeli.

Oku kongela uhambo oluya ebhankini, kodwa kuya kuthatha ixesha elide njengoko kufuneka uthembele ngeposi. Ukuba awukabinayo iakhawunti yebhanki ekwi-intanethi, ndicebisa isikhokelo sam esipheleleyo sendlela yokwenza iakhawunti yebhanki ekwi-Intanethi.

📍 Imingcipheko enxulumene nokusetyenziswa kweetshekhi zebhanki

Iitshekhi zikaCashier zibonelela ngendlela ekhuselekileyo yokuhlawula. Iimpawu zabo zokhuseleko eziprintiweyo kwitshekhi zithintela nayiphi na inkohliso enokwenzeka. Kodwa ubuqhophololo bomgunyathi busaqhubeka.

Itshekhi ye-cashier yobuqhophololo iya kucima ngokukhawuleza kwidiphozithi yokuqala. Ngokwenene, ibhanki iqinisekise ukuba imali iya kufumaneka. Kodwa xa ibhanki ifumanisa ukuba itshekhi ayiyonyani, rhoqo emva kweeveki emva kwediphozithi, bayayifumana imali. Ngelishwa, umxhamli uphumile epokothweni yayo nayiphi na imali esetyenzisiweyo.

Ngesi sizathu, kufuneka uthathe inkathalo eyongezelelweyo ngetshekhi ye-cashier othunyelwa ngumntu ongamaziyo njengesipho. Yibonise kumgcini-mali ukuze aqinisekise ukuba itshekhi isemthethweni. Ukuba unexhala ngokwenene, unokulinda iiveki ezimbalwa ukuze uqiniseke ukuba itshekhi isusiwe ngaphambi kokuchitha imali.

Ukuze ufunde ngakumbi malunga neetshekhi zebhanki, jonga igama isikhokelo esipheleleyo kwi yonke into ofuna ukuyazi malunga neetshekhi zebhanki.

🥀 Zisebenza njani iitshekhi eziqinisekisiweyo ?

Iitshekhi eziqinisekisiweyo zolunye uhlobo lwetshekhi ekhethekileyo. Ngandlel' ithile zingumxube phakathi kweetshekhi zebhanki kunye neetshekhi zobuqu. Itshekhi eqinisekisiweyo yitshekhi yobuqu eqinisekiswe yibhanki yomniki wetshekhi. Ibhanki iqinisekisa ukuba umnini-akhawunti usayiniwe kwaye unemali eyaneleyo yokuhlawula, ize iyibekele bucala isixa setshekhi xa ikheshi okanye idipozithwa.

Ukufumana nokusebenzisa itshekhi eqinisekisiweyo kulula. Iibhanki zikhupha iitshekhi eziqinisekisiweyo kunye neetshekhi zebhanki. Ngokwesiqhelo, kufuneka uye kwisebe, iwebhusayithi yebhanki yakho, okanye uyiodole ngefowuni.

Iitshekhi eziqinisekisiweyo zikhuselekile kakhulu. Iimpawu zokhuseleko zezi cheki zinceda kakhulu umntu ohlawulwayo endaweni yomhlawuli, njengoko imali iqinisekisiwe. Nangona kunjalo, itshekhi eqinisekisiweyo inokuba yenye indlela ekhuselekileyo yokuthwala isixa esikhulu semali ukuhlawula itransekshini.

Ewe, itshekhi eqinisekisiweyo ingathunyelwa ngeposi okanye ithunyelwe ngekhuriya, ongafuni ukuyenza ngemali ezinkozo.

📍 Indlela Yokunqanda ubuqhophololo obuQinisekisiweyo ?

Kukho izizathu ezithathu eziphambili zokuba kutheni abantu bathanda ukusebenzisa iitshekhi eziqinisekisiweyo. Bafuna ukhuseleko ukunqanda ubuqhophololo kunye neetshekhi ezibhampa kwiintengiselwano ezinkulu. Ukusebenzisa itshekhi eqinisekisiweyo kunokunika umthengisi isiqinisekiso esingakumbi sokuba baya kuhlawulwa.

Nangona kunjalo, nanga amanye amacebiso okuthintela ubuqhophololo obunokwenzeka:

• Xa ufumana itshekhi eqinisekisiweyo, fowunela ibhanki ngoko nangoko emva kokufumana itshekhi. Musa ukusebenzisa nayiphi na inombolo yefowuni yebhanki eprintwe kwitshekhi. Ukuba itshekhi inobuqhophololo, le nombolo isenokuba bubuxoki. Unokukhangela iibhanki ze-intanethi.
• Cela ibhanki ukuba iqinisekise igama kunye nenombolo yokukhangela yomnini-akhawunti.

Abenzi bomgunyathi baya besiba nobuchule ngakumbi ekushicileleni iilogo zebhanki ezijongeka ngokusemthethweni nokudala iitshekhi zomgunyathi eziqinisekisayo ngokwasemzimbeni. Nangona itshekhi eqinisekisiweyo ikhuselekile ngokubanzi kunetshekhi yomntu, yenza amalungiselelo awongezelelweyo.

📍 Kusetyenziswa nini itshekhi eqinisekisiweyo?

Iintlobo ezithile zentengiselwano ezifana nokuthengwa kweflethi zihlala zifuna imali eqinisekisiweyo. Usenokufuna itshekhi eqinisekisiweyo ukuze uthenge imoto esele isetyenzisiwe okanye wenze intlawulo ephantsi imali-mboleko. Kwezi meko, itshekhi yobuqu eqhelekileyo ayinakwamkelwa, nto leyo edla ngokuqondakala.

Emva koko, akukho siqinisekiso kumntu ohlawulwayo ukuba i-akhawunti yebhanki yobuqu iqulethe imali eyaneleyo yokugubungela itshekhi. Ukusebenzisa itshekhi eqinisekisiweyo akuncedi umhlawuli, nangona kunokubonelela ngeenzuzo ezithile.

Endaweni yoko, ibonelela ngenqanaba elikhulu lokhuseleko kumamkeli. Kwezinye iimeko, ukuthengiselana akukwazi ukuqhubeka ngaphandle kwentlawulo ngetshekhi eqinisekisiweyo. Njengenye indlela, unetshekhi ze-cashier, iodolo yemali okanye i-wire transfer.

🥀 Isishwankathelo...

Iitshekhi eziqinisekisiweyo kunye neetshekhi ze-cashier zingaqwalaselwa " iitshekhi ezisemthethweni ". Zombini zisetyenziswa endaweni yemali, ikhredithi, okanye iitshekhi zobuqu. Zisetyenziselwa ukuqinisekisa intlawulo. Kunzima ukutshintsha ezi ntlobo zetshekhi.

Kwitshekhi yemali elahlekileyo, kuya kufuneka ufumane isiqinisekiso sembuyekezo, onokusifumana kwinkampani yeinshorensi, kodwa oku kuhlala kunzima. Ibhanki yakho isenokufuna ukuba ulinde ukuya kutsho kwiintsuku ezingama-90 ukuze utshintshe.

Itshekhi ye-cashier yahlukile kwitshekhi yomntu kuba imali itsalwa kwiakhawunti yebhanki. Ngetshekhi yomntu, imali itsalwa kwiakhawunti yakho. Ukongeza, xa itshekhi yecashier ikhutshiwe, kunzima ukuyirhoxisa. Ngetshekhi yobuqu, uyikrazula nje okanye ufowunele ibhanki ukuba iyeke intlawulo.

Ukuba unayo nayiphi na inkxalabo, nceda usishiye uluvo. Umcebisi wakho usoloko ekulungele.

Nangona kunjalo, nalu uqeqesho olukuvumela ukuba ube nalo izinga loguqulo oluqhumayo kwivenkile yakho ye-intanethi. Likhonkco elidityanisiweyo.

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