Amasheke ebhange, amasheke omuntu siqu namasheke aqinisekisiwe

Kunabantu abaningi, nsuku zonke, abakhipha noma bathole amasheke ngaphandle kokuba nolwazi olwanele lwalawa mathuluzi. Eqinisweni, yena kunezinhlobo eziningana zamasheke : amasheke kagesi, amasheke aqinisekisiwe, ama-oda emali yeposi, amasheke asebhange, amasheke omuntu siqu, njll.

Isheke lomuntu siqu likuvumela ukuthi uthumele imali komunye umuntu nge-akhawunti yakho yasebhange. Isheke lasebhange, ngakolunye uhlangothi, lidonswa emalini yebhange kuneyakho. Isheke eliqinisekisiwe lingolunye uhlobo olukhethekile lwesheke elithathwe emalini yakho elinesiqinisekiso esivela ebhange sokuthi imali ikhona.

Ukuthengwa okuningi okukhulu kwezinto ezifana nezimoto nempahla kudinga amasheke aqinisekisiwe noma amasheke okheshi. Kulesi sihloko, ngethula umehluko phakathi kwalezi zinhlobo ezintathu zamasheke.

🥀 Asebenza kanjani amasheke womuntu siqu?

Isheke lomuntu siqu incwadi engokomthetho eyala ibhange ukuba linikeze umuntu othile inani elithile lemali ephuma ku-akhawunti ethile yasebhange. Ungagcwalisa eyodwa futhi uyinikeze cishe noma ubani. Imali izothathwa ku-akhawunti yakho.

Amasheke omuntu siqu asevele ephrintiwe igama lakho nekheli kuwo kanye nenombolo ye-akhawunti yakho yasebhange kanye nekhodi yasebhange yomzila. Udinga nje ukukhombisa igama lomuntu okukhokhwa kuye isheke kanye nenani eliqondile.

Amasheke omuntu siqu asetshenziselwa ukukhokhela umuntu noma isitolo esamukela amasheke omuntu siqu futhi izimali zidonswa ngokuqondile ku-akhawunti yakho yasebhange. Inkinga ngamasheke omuntu siqu ukuthi izitolo eziningi aziwamukeli njengenkokhelo.

Imvamisa, uma une-akhawunti yokuhlola noma enye i-akhawunti enekhono lokubhala isheke, njengamanye ama-akhawunti emakethe yemali, ungakwazi uku-oda amasheke ebhange anyatheliswe kusengaphambili ngenombolo yakho ye-akhawunti yasebhange kanye nenombolo yomzila yasebhange.

Uma udinga ukukhokha umuntu, ungafaka igama lakhe noma igama lenkampani eshekeni, ubhale usuku, ubhale imali ofuna ukuyikhokha, bese usayina isheke.

📍 Izinhlobo zokuhlola komuntu siqu

Kunezinhlobo ezimbili zokuhlola komuntu siqu: ukuhlola komuntu siqu kanye nokuhlola okungenalutho komuntu siqu.

Le isheke lomuntu siqu iphrintwa negama lakho, ikheli, inombolo yocingo, inombolo ye-akhawunti yasebhange kanye nenombolo yasebhange yomzila. Okufanele ukwenze ukufaka igama lomuntu okukhokhwa kuye isheke kanye nenani okufanele likhokhelwe.

Un isheke elingenalutho isheke elingagcwalisiwe elinikezwa "ikhabethe" (lowo osayina isheke) kokhokhelwayo. Ngakho-ke kunikeza ithuba ogqokile ukuthi azigcwalise ngokwakhe. Ayinalo igama noma ikheli lakho.

Nokho, lolu lwazi aludingeki ngoba isheke liqukethe inombolo yakho yomzila wasebhange kanye ne-akhawunti yasebhange. Ngisho noma ukusetshenziswa kwalo kulinganiselwe, isheke elingenalutho ngezinye izikhathi liwusizo lapho umuntu wesithathu kufanele akhokhe izindleko angazazi kusengaphambili inani lazo.

Kodwa-ke, isheke elingenalutho lingase libe yingozi njengoba, uma lilahleka, umuntu olitholayo angaligcwalisa ngendlela afisa ngayo futhi azibeke yena njengomzuzi. Ngaphezu kwalokho, usizo lomdubuli kuleli cala lulinganiselwe.

📍 Amasheke omuntu siqu akhishwe ngemali enganele : Kwenzakalani?

Amasheke omuntu siqu aphakathi kwezinhlobo zamasheke ahlukahlukene amabhange awenza atholakale kumakhasimende awo awacelayo. Uma unikeza othile isheke lomuntu siqu futhi imali ingekho ku-akhawunti yakho lapho ezama ukuyikhipha noma ukuyifaka, isheke lizobuyiselwa kuwe njengelinganele. Ngakho-ke uzokhokha imali ye-bounce yaleli sheke.

Uma ubhala isheke elinemali enganele futhi unohlelo lokuvikela i-overdraft, ibhange lingase likuboleke imali yokukhokhela isheke, kodwa izindleko nenzalo ingase ibe phezulu.

Amanye amabhange angase akhiphe izimali kwenye i-akhawunti ngokuzenzakalelayo, njenge-akhawunti yokonga, ukuze akhokhe inani lesheke uma imali ikhona.

Ngezinye izikhathi kuyenzeka ukuthi amabhange anqume ukuthi ikhona yini imali eyanele ku-akhawunti yokufaka noma ukukhipha isheke lapho uyethula kumtsheleli. Amanye amabhizinisi angaphinda enze amasheke ngokushesha ngokuwaphatha njengokudluliselwa kwemali yedijithali.

📍 Izingozi ezihlobene nokuhlolwa komuntu siqu

Njengoba kungenakwenzeka ngaso sonke isikhathi ukuqinisekisa ukuthi kukhona imali ku-akhawunti, kunengozi ethile ekwamukeleni isheke lomuntu siqu lokukhokha, ikakhulukazi kumuntu ongamazi kahle. Uma ukwazi, uzofuna ukwenza isiqiniseko sokuthi isheke liyasulwa ngaphambi kokunikeza noma yini yenani ngokushintshanisa.

Qiniseka ukuthi ungaxhumana nomuntu okunikeze isheke uma kunenkinga. Nakuba ukubhala ngamabomu amasheke angasekelwa yimali yangempela ebhange kuyicala, lokho akusho ukuthi akwenzeki ngengozi.

Amaphutha ebhange angahlobene nokuhoxiswa kwemali okuwumgunyathi nakho kungabangela ukuthi amasheke agxume noma anqatshwe ngaphandle kokuba okhiphayo abhekane necala. Ukuhlola komuntu siqu nakho kuthatha isikhathi ukusula noma ukuxazulula. Kuze kube zikhona, izimali zingase zingatholakali ngokugcwele ku-akhawunti yakho.

Kuye ngebhange lapho isheke likhishwa khona nalapho lifakwa khona, amasheke angathatha izinsuku ezimbalwa noma ngaphezulu ukuze asule. Ibhange lakho lingase lenze imali itholakale ukuze uyisebenzise ngaphambi kokuba isheke olifakile lisulwe.

📍 Kwenzekani uma ubhampa isheke lomuntu siqu?

Nokho, ukhokha imali uma ungenayo imali oyithembise ku-akhawunti yakho. Ngokuya ngesikhungo sezezimali ne-akhawunti yamanje, nazi izimali okumele uzikhokhe:

• Izimali ze-Overdraft

Ukuze usule leli sheke, ibhange lakho lingagunyaza i-overdraft yasebhange, okuzokwenza i-akhawunti yakho ibe bomvu. Ngakho-ke uzokhokha izimali ze-overdraft yasebhange ezihluka kuye ngebhange kanye nenani le-overdraft.

• Izinkokhelo Zezimali Ezinganele (NSF).

Ibhange lakho lingase lingakuvumeli ukukhokhelwa kwemali eyengeziwe futhi lenqabe ukusula isheke. Ngalesi sikhathi, bakukhokhisa imali ye-FNS, okuthi, njengezinkokhelo ze-overdraft, ngokuvamile ehlukahluke kuye ngebhange kanye nenani eliceliwe.

• Izimali ezidluliswayo zokuvikela i-Ovadrafti

Amanye amabhange ahlinzeka ngokuvikeleka kwe-overdraft, okukuvumela ukuthi uxhume i-akhawunti yakho yokuhlola ku-akhawunti yokonga, ikhadi lesikweletu noma, kwezinye izimo, umugqa wesikweletu ubekelwe le njongo kusengaphambili. Ibhange libe selisebenzisa lesi sixhumanisi uma ukhipha imali eyengeziwe ku-akhawunti yakho yamanje. Ibhange lakho lizodlulisela izimali zisuka ku-akhawunti exhunyiwe ukuze likhokhe isheke futhi likhokhise imali encane.

Uma ungazikhokhi izimali ze-FNS noma uma ujwayela ukubhala amasheke abhampa, ibhange lingavala i-akhawunti yakho futhi ungase ubhekane namacala obugebengu. Ungase futhi ukuthole kunzima ukuvula enye i-akhawunti kwenye indawo uma uvinjelwe yi-ChexSystems.

🥀 Ukuqonda isheke lasebhange

Isheke ivame ukucelwa njengenkokhelo yokuthenga okukhulu, njengenkokhelo yendlu. Ngempela, isheke lika-cashier lithathwa ku-akhawunti yasebhange ngakho-ke lihlonishwa njengokheshi. Ngemisebenzi emincane, abathengisi bavame ukwamukela i-oda lemali, okungenye indlela yokukhokha okuqinisekisiwe.

Ukuze uthole isheke lika-cashier, uzodinga umazisi nolunye ulwazi olufanele. Uzodinga futhi inani lesheke, isipelingi esifanele segama lomuntu okhokhelwayo kanye nanoma iyiphi imemorandamu. Lolu lwazi luphrintwe eshekeni - awukwazi ukwengeza lutho ngokubhala ngesandla.

Awukwazi ukunwaya noma yini. Uma une-akhawunti nesikhungo, inani eliceliwe liyakhishwa ku-akhawunti yakho siqu futhi lidluliselwe ku-akhawunti yebhange. Uma ungenayo i-akhawunti ebhange, ungakwazi ukukhokha ngokheshi. Uma othatha imali ephrinte futhi asayine isheke, selilungele ukusetshenziswa.

📍 Ngingalitholaphi isheke le-cashier?

Njengamanye amasheke amaningi, kunezindlela ezintathu eziyinhloko zokuthola isheke le-cashier: ebhange, inyunyana yezikweletu, noma ku-inthanethi.

Ungathenga isheke kumthengisi wasebhange. Khumbula ukuthi amanye amabhange athengisela amakhasimende awo amasheke e-cashier kuphela. Ngakho-ke uma ungenayo i-akhawunti yasebhange, kufanele ushayele ucingo ngaphambi kokuya ebhange ukuze uqiniseke ukuthi lizokunikeza isheke le-cashier.

Inqubo yokuthola isheke le-cashier enhlanganweni yezikweletu iyafana. Omunye umehluko, nokho, ukuthi ngokuvamile ungathola isheke lika-cashier cishe kunoma iyiphi inyunyana yezikweletu, noma ngabe uyilungu noma cha.

Inketho yokugcina uku-oda isheke ibhange eliku-inthanethi. Lokhu kuyehluka ezindaweni ngezindawo, kodwa amabhange amaningi anikezela ngale nketho kumakhasimende awo. Uma ucela isheke ku-inthanethi, ibhange lizokuthumela isheke elingokoqobo ekhelini lakho leposi. Lokhu kwenza kube yisibopho sakho ukuyisa kumamukeli.

Lokhu kongela uhambo oluya ebhange, kodwa kuzothatha isikhathi eside nakakhulu njengoba kufanele uthembele kumeyili. Uma ungakabi nayo i-akhawunti yasebhange eku-inthanethi, ngiphakamisa umhlahlandlela wami ophelele wokuthi ungayenza kanjani i-akhawunti yasebhange eku-inthanethi.

📍 Izingozi ezihlobene nokusetshenziswa kwamasheke asebhange

Amasheke e-Cashier anikeza indlela yokukhokha evikelekile. Izici zabo zokuphepha eziphrintwe eshekeni zivimbela noma yikuphi ukukhohlisa okungenzeka. Kodwa imikhonyovu mbumbulu isenzeka.

Isheke lokheshi eliwumgunyathi cishe lizosula ngokushesha ediphozini yokuqala. Ngempela, ibhange likuqinisekisile ukuthi izimali zizotholakala. Kodwa lapho ibhange lithola ukuthi isheke lingelona iqiniso, ngokuvamile ngemva kwamasonto ambalwa lifake imali, liyayibuyisela imali. Ngeshwa, ohlomulayo akasekho ephaketheni lanoma iyiphi imali esetshenzisiwe.

Ngenxa yalesi sizathu, kufanele unakekele okwengeziwe ngesheke le-cashier elikuthumelela umuntu ongamazi njengesipho. Libonise kumuntu othatha imali ukuze aqinisekise ukuthi isheke lisemthethweni. Uma ukhathazeke ngempela, ungaphinda ulinde amasonto ambalwa ukuze uqiniseke ukuthi isheke lisuliwe ngaphambi kokusebenzisa imali.

Ukuze ufunde kabanzi mayelana namasheke asebhange, hlola igama elithi umhlahlandlela ophelele kokuthi konke odinga ukukwazi mayelana namasheke asebhange.

🥀 Indlela amasheke aqinisekisiwe asebenza ngayo ?

Amasheke aqinisekisiwe angolunye uhlobo lwesheke elikhethekile. Athi ayingxube phakathi kwamasheke asebhange namasheke omuntu siqu. Isheke eliqinisekisiwe isheke lomuntu siqu eliqinisekiswa yibhange lomkhiphi wesheke. Ibhange liqinisekisa isiginesha yomnikazi we-akhawunti nokuthi unemali eyanele yokukhokha, bese libeka eceleni inani lesheke lapho likhishwa noma lifakwa.

Ukuthola nokusebenzisa isheke eliqinisekisiwe kulula. Amabhange akhipha kokubili amasheke aqinisekisiwe namasheke asebhange. Ngokuvamile, kufanele uye egatsheni, iwebhusayithi yebhange lakho, noma uyi-ode ngocingo.

Ukuhlola okuqinisekisiwe kuphephe kakhulu. Izici zokuphepha zalawa masheke zizuzisa kakhulu okhokhelwayo esikhundleni sokukhokha, njengoba izimali ziqinisekisiwe. Nokho, isheke eliqinisekisiwe lingaba enye indlela ephephile yokuphatha imali eningi ukuze ukhokhele okwenziwayo.

Kunjalo, isheke eliqinisekisiwe lingathunyelwa ngeposi noma lithunyelwe, ongeke uthande ukukwenza ngemali.

📍 Indlela Yokugwema Ukukhwabanisa Kwesheke Okuqinisekisiwe ?

Kunezizathu ezintathu eziyinhloko ezenza abantu bathande ukusebenzisa amasheke aqinisekisiwe. Bafuna ukuvikeleka ukuze bagweme ukukhwabanisa kanye namasheke abhampa uma kwenziwa izinto ezinkulu. Ukusebenzisa isheke eliqinisekisiwe kunganikeza umdayisi isiqiniseko esengeziwe sokuthi uzokhokhelwa.

Nokho, nanka amathiphu okugwema ukukhwabanisa okungenzeka:

• Uma uthola isheke eliqinisekisiwe, shayela ibhange ngokushesha ngemva kokuthola isheke. Ungayisebenzisi noma iyiphi inombolo yocingo yasebhange ephrintwe eshekeni. Uma isheke liwumgunyathi, le nombolo ingase futhi ibe amanga. Ungasesha ukubhanga ku-inthanethi.
• Cela ibhange ukuthi liqinisekise igama nenombolo yesheke yomphathi we-akhawunti.

Abenzi bomgunyathi baya ngokuya beba yinkimbinkimbi ekunyatheliseni amalogo asebhange abukeka esemthethweni nokudala amasheke mbumbulu akholisayo. Nakuba isheke eliqinisekisiwe ngokuvamile liphephile kunesheke lomuntu siqu, yenza amalungiselelo engeziwe.

📍 Kusetshenziswa nini isheke eliqinisekisiwe?

Izinhlobo ezithile zokuthengiselana ezinjengokuthengwa kwefulethi ngokuvamile zidinga izimali eziqinisekisiwe. Ungase futhi udinge isheke eliqinisekisiwe ukuze uthenge imoto esetshenzisiwe noma ukukhokha kancane imali mboleko. Kulezi zimo, isheke lomuntu siqu elijwayelekile lingase lingamukelwe, okuvamise ukuqondakala.

Phela, asikho isiqinisekiso kulowo okhokhelwayo ukuthi i-akhawunti yomuntu siqu yasebhange iqukethe imali eyanele ukumboza isheke. Ukusebenzisa isheke eliqinisekisiwe akuzuzisi ngempela umkhokhi, nakuba kungase kunikeze izinzuzo ezithile.

Kunalokho, inikeza izinga elikhulu lokuphepha kumamukeli. Kwezinye izimo, umsebenzi awukwazi ukuqhubeka ngaphandle kwenkokhelo ngesheke eliqinisekisiwe. Njengenye indlela, unamasheke e-cashier, i-oda lemali noma i-wire transfer.

🥀 Isifinyezo...

Amasheke aqinisekisiwe kanye namasheke okheshi angabhekwa " amasheke asemthethweni ". Zombili zisetshenziswa esikhundleni semali, isikweletu, noma amasheke omuntu siqu. Zisetshenziselwa ukuqinisekisa inkokhelo. Kunzima ukushintsha lezi zinhlobo zamasheke.

Ukuze uthole isheke lika-cashier elilahlekile, uzodinga ukuthola isiqinisekiso sembuyiselo, ongasithola ngenkampani yomshwalense, kodwa lokhu kuvame ukuba nzima. Ibhange lakho lingase lidinge ukuthi ulinde izinsuku ezingafika kwezingu-90 ukuze uthole isheke elishintshayo.

Isheke lika-cashier lihlukile kunesheke lomuntu siqu ngoba imali ithathwa ku-akhawunti yebhange. Ngesheke lomuntu siqu, imali ithathwa ku-akhawunti yakho. Ukwengeza, uma isheke le-cashier lenziwe, kuba nzima ukulikhansela. Ngesheke lomuntu siqu, uvele ulidabule noma ushayele ibhange ukuze limise ukukhokha.

Uma unokuthile okukukhathazayo, sicela usishiye amazwana. Umeluleki wakho uhlale engakuwe.

Nokho, nakhu ukuqeqeshwa okukuvumela ukuba ube nakho izinga lokuguqulwa eliqhumayo esitolo sakho se-inthanethi. Kuyisixhumanisi.

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