Yonke into ofuna ukuyazi malunga netshekhi yebhanki

Itshekhi yebhanki liphepha eliprintwe kwangaphambili elinesimo esithile esisemgangathweni. Iitshekhi zisetyenziswa njengentlawulo endaweni yekheshi kwaye zinokukhutshwa/ukutsalwa ngayo nayiphi na imali efunwa ngumniki wetshekhi.

Zisisixhobo sebhanki ekwehleni kodwa sisasetyenziswa kwamanye amazwe kwihlabathi liphela. Isetyenziswa kumazwe amaninzi aseYurophu naseAfrika apho ukubandakanywa kwemali usebuthathaka. Kodwa, kuyamangalisa ukubona ukuba abantu abaninzi, kwanabasebenzi bezoqoqosho banolwazi olusisiseko lweetshekhi.

Ngoko ke, ndacinga ukubhala esi sikhokelo esichaza imigaqo esisiseko yeesheke zebhanki, indlela esebenza ngayo ukuze ikuvumele ngexesha elifanelekileyo ukuba uyisebenzise endaweni yenye indlela yokuhlawula. Ndikuxelela YONKE INTO. Kodwa ngaphambi kokuba uqale, nalu uqeqesho lweprimiyamu oluya kuthi ikuvumela ukuba wazi zonke iimfihlo zokuphumelela kwiPodcast.

Makhe siye

🌿 Yintoni itshekhi yebhanki?

Itshekhi sisivumelwano sentlawulo phakathi kwabantu ababini okanye imibutho. Xa ubhala itshekhi, uyavuma ukuhlawula omnye umntu okanye umbutho imali obatyala yona kwaye ucela ibhanki yakho ukuba ikwenzele loo ntlawulo.

Iitshekhi zeCashier zinokuba yindlela ekhethwayo yokuhlawula kwiimeko ezithile zemali xa ufuna ukwenza intlawulo enkulu okanye uxhalabele ukhuseleko lwentlawulo.

Olu hlobo lwentlawulo luqinisekiswa yibhanki, enokunika isiqinisekiso kubamkeli ukuba itshekhi ayiyi kubuyiselwa ngenxa yeemali ezingonelanga. Phambi kokuba ndithethe nawe malunga neetshekhi zebhanki, ndingathanda kuqala ukuveza iintlobo zeetshekhi ezikhoyo.

🌿Iindidi ezahlukeneyo zeetshekhi

Kukho iintlobo ezahlukeneyo zeetshekhi ngaphaya kohlobo lwephepha eliqokelela uthuli kwiidrowa zedesika yakho. Awunakudibana nazo rhoqo, kodwa ukuzazi kunokukunceda ekukhuseleni xa uthenga.

Nantsi into ekufuneka uyazi malunga necinq iintlobo zeetshekhi ezingaphaya kokuhlolwa komntu naxa unokuhlangana nabo.

#1 iitshekhi zebhanki, iitshekhi zebhanki okanye iitshekhi ezisemthethweni

Olu hlobo lwetshekhi alunabungozi kangako ukulusebenzisa kunetshekhi yobuqu. Xa usebenzisa itshekhi yobuqu, imali iphuma ngqo kwiakhawunti yakho, ngoko ke ukuba akunamali yaneleyo yokuhlawula oko ukutyalayo, ummkeli usenokuba akanathamsanqa. Itshekhi ye-cashier, kwelinye icala, ayiyi kukhwela.

Ngokuqhelekileyo itshekhi ye-cashier nayo ayisimahla. Imirhumo inokwahluka ngokuxhomekeke kwibhanki oyisebenzisayo, uhlobo lweakhawunti onayo, kunye nobungakanani betshekhi. Luhlobo lwetshekhi olunomdla kuthi kweli nqaku.

#2. Iitshekhi eziqinisekisiweyo

Itshekhi eqinisekisiweyo luhlobo lwetshekhi yobuqu eqinisekiswa yibhanki. Xa ubhala itshekhi, ibhanki ijonga ukuba unayo na imali eyaneleyo kwi-akhawunti yakho yokutshekisha ukuyihlawula. Angayibamba loo mali ide iphele itshekhi.

Itshekhi idla ngokuba "iqinisekisiwe" isitampu okanye iprintwe kuyo. Imirhumo iyahluka ngokuxhomekeke kwibhanki oyisebenzisayo kunye nobukhulu betshekhi.

#3. Iiodolo zemali

Iiodolo zemali zizatifikethi zephepha elihlawulelwa kwangaphambili ezisebenza njengetshekhi. Umamkeli obonisiweyo unokuzifaka okanye azikheshe.

Inzuzo enkulu yee-odolo zeposi kukuba ungazithenga kwiindawo ezininzi ezahlukeneyo, kubandakanywa neeposi. Oku kwenza kube lukhetho oluhle kubantu abangazisebenzisiyo ii-akhawunti zebhanki okanye abangakwaziyo ukufikelela kwisebe elikufutshane lebhanki abayithandayo.

#4. iitshekhi zombane

Itshekhi yombane yinguqulelo yedijithali yetshekhi yobuqu yephepha ekhutshwe yibhanki yakho. Ungahlala useta iintlawulo ezizenzekelayo usebenzisa iitshekhi ze-elektroniki ukuze ungakhumbuli ukubhala iitshekhi zephepha kwiibhili eziphindaphindiweyo ezifana nerenti yakho okanye i-mortgage.

#5. Isigebenga siyajonga

Nangona zikhangeleka kakuhle kwimifanekiso, ezo zitshekhi zinkulu ubona ilotho kunye nabaphumeleleyo kukhuphiswano bebambe zizixhaso nje. Abanakuzifumana ngemali. Abaphumelele ilotto badla ngokufumana imali yabo yokwenyani ngokutshintshelwa ebhankini.

🌿Umahluko phakathi kweetshekhi zebhanki kunye neetshekhi zomntu

Itshekhi yobuqu ikuvumela ukuba uthumele imali kumntu osuka kwiakhawunti yakho yebhanki. Luxwebhu olusemthethweni oluxelela ibhanki ukuba inike umntu othile isixa esithile semali kwiakhawunti ethile yebhanki.

Ungagcwalisa enye kwaye uyinike phantse nabani na, kwaye banokuyifaka kwiakhawunti yabo yebhanki okanye bayikhuphe. Imali iya kuthathwa kwiakhawunti yakho.

Nangona kunjalo, itshekhi yebhanki itsalwa kwiimali zebhanki kuneyakho. Kuyaqinisekiswa ngokuqinisekileyo ukuba ayizugxuma, ngokungafaniyo netshekhi yomntu.

Ngokuqhelekileyo bahlala ngokukhawuleza kunetshekhi zomntu, okuthetha ukuba imali inokufumaneka ngokukhawuleza emva kokuba itshekhi yokuhlawula imali ifakwe kunetshekhi yomntu. Jonga esi sikhokelo ukuze ufunde ngakumbi kwiitshekhi zebhanki, iitshekhi eziqinisekisiweyo kunye neetshekhi zobuqu

🌿 Zenziwa njani iitshekhi?

Zonke iitshekhi kufuneka ziqwalaselwe - okanye zicocwe kwaye zihlawulwe - ngenkqubo yentlawulo. Nantsi indlela esebenza ngayo. Xa ufaka itshekhi kwiakhawunti yakho, ibhanki yakho ithumela itshekhi ebhankini yomntu obhale itshekhi.

Le bhanki iqinisekisa ukuba itshekhi isemthethweni kwaye kukho imali eyaneleyo kwi-akhawunti yomniki wetshekhi yokuhlawula itshekhi, emva koko ithumele imali kwibhanki yakho. 

Le nkqubo inokuthatha iintsuku ezimbalwa, kodwa kwiitshekhi ezininzi ibhanki yenza ukuba imali ifumaneke kumthengi ngokukhawuleza. Nangona kunjalo, ayikude kube ibhanki yakho ifumene isiqinisekiso esivela kwibhanki yetshekhi ukuba bayazi ngokuqinisekileyo ukuba imali ikhona.

Eyona nto abantu abaninzi abangayiqondiyo kukuba de ibhanki ifumane esi siqinisekiso, ngokwenene bahambisa imali kuwe.

🌿 Amalungu etshekhi yebhanki

Ukuba unqwenela ukukhupha itshekhi yebhanki ukucima ityala okanye ukuthenga, hlonipha le miba ilandelayo:

Umhla wetshekhi

Iitshekhi zizotywa ngomhla othile. Umhla unokuba ngawo nawuphi na umhla owufunayo kwaye akunyanzelekanga ukuba ube ngumhla obhale ngawo itshekhi.

Kodwa itshekhi inexesha elisemthethweni ukusuka kumhla oboniswe kwitshekhi. Itshekhi yobuqu ilungile kwiinyanga ezintandathu, ngelixa ishishini / itshekhi yenkampani ilungile iinyanga ezintathu kuphela.

Ukongeza, ezinye iitshekhi zentengiso zikhutshwa ngamaxesha athile asemthethweni angaphantsi kweenyanga ezintathu. Ngokomzekelo, iitshekhi zentlawulo yezahlulo zikhutshwa jikelele kunye nexesha elisemthethweni lenyanga enye.

Umhla wetshekhi ubalulekile kuba umamkeli wetshekhi unokukhupha itshekhi ngekheshi okanye emva komhla wetshekhi nangexesha lokuqinisekisa. Ukuhlawula itshekhi ligama elisetyenziselwa ukuguqula itshekhi ibe yimali yokwenene.

Igama lomxhamli

Icandelo elithi "ohlawulwayo" likuvumela ukuba ubhale igama lomntu okanye inkampani ekumele ikhuphe itshekhi. Kodwa ukuba yitshekhi yeshishini, iibhanki ziyayinciphisa imali yayo kuphela ngumntu ogama lakhe livela kwicandelo laBahlawulwayo.

Ungabhala kwakhona igama elithi "Cash" njengomxhamli endaweni yomntu okanye igama leshishini.

Oku kuthetha ukuba itshekhi yenzelwe ukusetyenziswa njengemali. Nabani na ophethe itshekhi unokuyikhesha kwikhawuntara yesebe lebhanki. Ukongeza, unokunika itshekhi yemali oyifumene kumntu ukuya kwelinye iqela kunye nendlela yokuhlawula.

Imali ekufuneka iqokelelwe

Kufuneka ufake imali eza kuqokelelwa ngokwedijithali kwibhokisi enikiweyo. Isixa osibhala apha kufuneka silingane nesixa osibhale ngamagama. Ngaphandle koko, itshekhi iya kwaliwa ngebhanki.

Kufuneka kwakhona ubhale isixa setshekhi kumagama kwimigca echokoziweyo enikiweyo. Kufuneka uyibhale ngolwimi oluqondwa lisebe lebhanki.

Umsayini ogunyazisiweyo

Xa uvula i-akhawunti yokutshekisha, unikezela ngesampulu yesiginitsha yakho ebhankini. Kufuneka ubeke umsayino ofanayo ukuqinisekisa iitshekhi zakho.

Le ndawo ilapha ngezantsi kwebhokisi apho ubhale khona isixa ngamanani. Itshekhi ngaphandle kotyikityo oluchanekileyo lutsheki olungasebenziyo nokuba onke amanye amacandelo agqitywe ngokuchanekileyo.

Ukujoyina ii-akhawunti zokutshekisha kunokuba nomnini-akhawunti omnye okanye abaninzi abadibeneyo ekufuneka basayine itshekhi. Ubonisa ekuvuleni i-akhawunti inani lemisayino eyimfuneko ukuze itshekhi iqinisekise isheke. Oku kudla ngokuba ngumsayino omnye okanye ababini.

Ukuba nabasayini abaninzi kwitshekhi ukuba semthethweni sisenzo esixhaphakileyo sokutshekisha ishishini kwaye kusetyenziswa njengendlela yokuthintela ubuqhophololo kuba amaqela amabini aya kuqinisekisa itshekhi phambi kokusayina. Itshekhi enjalo idla ngokuba nesitampu senkampani.

Indawo efundeka ngomatshini

Zonke iitshekhi zinendawo emhlophe ethe tye ezantsi kwetshekhi. Iprintwa ngamanani kunye neempawu ezikhethekileyo kusetyenziswa i-inki ekhethekileyo ebizwa ngokuba yi-inki kazibuthe kunye nefonti ekhethekileyo. Le yifayile efundeka ngomatshini kwaye akufanele ulonakalise eli candelo letshekhi.

Iibhanki zondla itshekhi eziyifumanayo ukujonga iiskena kwaye le ndawo ifundwa ngumatshini. Oonobumba abashicilelweyo kule ndawo babizwa ngokuba ngoonobumba be-inki bemagnethi.

🌿 Uyifaka njani itshekhi ngefowuni yakho ephathekayo?

Usenokuba uvile ngendlela entsha yokufaka iitshekhi zakho. Idiphozithi ephathwayo okanye ekude ikuvumela ukuba uthathe umfanekiso wetshekhi yakho yobuqu, itshekhi yeshishini okanye iodolo yemali (kuxhomekeke kwibhanki) kwaye uyifake ngekhompyutha usebenzisa isixhobo sakho esiphathwayo. Iibhanki ezininzi kwihlabathi jikelele ngoku zibonelela ngale nkonzo.

Le inkqubo ilula. Sayina ngasemva itshekhi yakho uze ungene kwi-app yebhanki yebhanki yakho, khetha inkonzo yediphozithi yefoto kwaye ulandele imiyalelo. Inkqubo ikhuselekile kwaye iinkcukacha zakho zemali azigcinwanga kwisixhobo sakho esiphathwayo.

Lonke ulwazi lwemali nalo lufihliwe ngokukhuselekileyo. Emva koko ungabhala " idiphozithi » kwitshekhi kwaye uyigcine kwindawo ekhuselekileyo ixesha elifutshane (iiveki ezimbini zicetyiswa ngokubanzi) ngaphambi kokuyitshabalalisa.

🌿 Kunini apho unokufuna ukusebenzisa itshekhi ye-cashier?

Iitshekhi zikaCashier ngokuqhelekileyo zenzelwe ukusetyenziswa xa ufuna ukwenza okanye ukufumana iintlawulo ezinkulu ngokukhuselekileyo. Iimeko apho unokufuna ukukhupha okanye ukufumana itshekhi ye-cashier ziquka:

• Thenga okanye uthengise isithuthi
• Thenga okanye uthengise indlu
• Hlawula idiphozithi yendawo yokuhlala
• Hlawula imali yokufunda kunye neefizi zaseyunivesithi
• Ukuhlawula ityala lobuqu elikhulu kumhlobo okanye kwilungu losapho
• Fumana isixa-mali njengenxalenye yolungiso lwetyala
• Fumana isixa-mali sokutsalwa kutyalo-mali okanye kwiakhawunti yomhlalaphantsi

Unokukhetha kwakhona ukufumana itshekhi ye-cashier kuyo nayiphi na imeko apho kufuneka wenze intlawulo, kodwa awufuni ukuba umntu ohlawulwayo abe nolwazi lwakho. i-akhawunti yebhanki.

🌿 Indlela yokuphepha ubuqhetseba betshekhi yebhanki?

Ngamanye amaxesha abaphuli-mthetho benza iitshekhi zomgunyathi okanye batshintshe igama okanye isixa setshekhi esemthethweni. Bubuqhophololo. Kukho inani lamanyathelo onokuthi uwathathe ukuze uzikhusele kubuqhophololo betshekhi. Nanga amacebiso am:

• Hlala ugcina iitshekhi zakho kwindawo ekhuselekileyo.
• Ukuba uvala iakhawunti yakho, qhekeza zonke iitshekhi ezingasetyenziswanga.
• Ukuba ufumana itshekhi engabonakali isemthethweni, cela enye indlela yokuhlawula.
• Hlala nabahlawuli abathembekileyo. Zilumkele iintlawulo zetshekhi ezisuka kwiinkampani okanye abantu ongabaziyo.
• Jonga iitshekhi ze-cashier ngaphambi kokuba wamkelwe. Phambi kokuba wamkele itshekhi yebhanki njengentlawulo, qhagamshelana nebhanki ekhuphayo. Oku kuya kukuvumela ukuba uqinisekise ukuba itshekhi yeyenyani.
• Khangela iiflegi ezibomvu ezicacileyo. Ezinye iimpawu ezicacileyo zokuba itshekhi yebhanki inokuba yeyomgunyathi ibandakanya ukubhala ngesandla okanye iinkcukacha ezingekhoyo. Omnye unokwenza umzekelo wokunqongophala kwenombolo yomzila okanye i-watermark yebhanki.
• Lindela ukuba itshekhi icace. Musa ukwenza iintlawulo okanye ukuthenga ngetshekhi yetshekhi de ube uqinisekisa kwibhanki yakho ukuba itshekhi isusiwe. Ukuba itshekhi iyabhamba, uhlawula umrhumo we-ovadraft webhanki.

🌿 Izinto eziluncedo nezingeloncedo kwiitshekhi zebhanki

Iitshekhi zeCashier zinokubonelela ngeenzuzo ezininzi xa usenza iintlawulo, kodwa kukho ukuhla okumbalwa okunokuthi kugcinwe engqondweni. Nantsi isishwankathelo seenzuzo kunye nokungalunganga kwetshekhi yebhanki.

Izinto eziluncedo kwiitshekhi zebhanki

Intlawulo ikhuselekile. Ekubeni imali ihoxisiwe kwi-akhawunti yebhanki kwaye iqinisekiswe yibhanki, akufanele ukhathazeke ngokubuyiswa kwesheke kwiimali ezingonelanga. Oku kunokukunceda ukuba uphephe ii-ovadrafti kunye neentlawulo zentlawulo ezibuyiselweyo.

Ubukho bemali bunokukhawuleza. Iibhanki zisebenzisa imigaqo-nkqubo yokufumaneka kwemali ukumisela ukuba iidiphozithi ziya kucima nini. Ngokomzekelo, ezinye iintlawulo zinokuthatha ukuya kwiintsuku ezintlanu zokusebenza ukucima, okanye ixesha elide kwiidiphozithi ezinkulu.

Kuba itshekhi yomgcini-mali iqinisekisiwe, ixesha lokubamba lingaba lifutshane kunentlawulo itshekhi yobuqu.

Ukhuseleko luyanda. Itshekhi ye-cashier inokuwunciphisa umngcipheko worhwaphilizo lwetshekhi njengoko kuphela ngumntu okhutshelwe yona onokuyikhesha. Iitshekhi zebhanki zineempawu zokhuseleko ezomeleziweyo, ezinje nge-watermark, ukuthintela ukuphindaphindwa kobuqhophololo.

Ukungalungi kweetshekhi zebhanki

Abanako ukungafezeki. Iitshekhi zikaCashier zikhuseleke ngakumbi kunezinye iintlobo zeentlawulo zetshekhi, kodwa zisengajoliso lobuqhophololo. Abarhwaphilizi banokwenza iitshekhi ze-cashier ezikhangeleka zinyanisekile ukuze bakuhlawule ezivezwa kuphela njengezobuqhophololo xa uzama ukuzifaka ebhankini yakho.

Iitshekhi zebhanki zidla ngokuza nomrhumo. Ngelixa ezinye iibhanki zinokubonelela ngeetshekhi ze-cashier simahla, le nzuzo inokufumaneka kuphela ukuba uneakhawunti yokujonga iprimiyamu. Amaxesha amaninzi uya kuhlawula umrhumo malunga $10 ngetshekhi yemali.

Kufuneka uye kwisebe lebhanki yakho. Nangona unokubhala ngokulula itshekhi yakho kwi-checkbook yakho ekhaya, kuya kufuneka uye ebhankini ukuze ufumane itshekhi ye-cashier ukuba iziko lakho lezemali alikuvumeli ukuba uodole kwi-intanethi.

Oku kunokuba nzima ukwenza ukuba ufuna ukwenza intlawulo ngaphandle kweeyure eziqhelekileyo zebhanki. Ngokomzekelo, Ukuzama ukuthenga imoto ngoMgqibelo kunokufuna ukulinda kude kube ngoMvulo ukuba ibhanki yakho ayinayo impelaveki okanye iiyure zangokuhlwa.

🌿 Isishwankathelo...

Ngokubanzi, itshekhi yebhanki inika ukhuseleko oluphezulu kunokusebenzisa itshekhi yomntu okanye iodolo yemali. Iindidi ezahlukeneyo zentengiselwano zifanelekile kwiintlobo ezahlukeneyo zentlawulo.

Kwiintengiselwano ezinkulu, ukubonelela (okanye ukufumana) itshekhi ye-cashier kunokuba lolona khetho lungcono. Ngaphambi kokuba uhambe, nalu uqeqesho olukuvumela ukuba wenze njalo master yorhwebo ngeyure nje 1. Cofa apha ukuze uyithenge.

Enkosi ngokunyaniseka kwakho