Zosankha Zina ndi Misonkho Yogwirizana Yotsatsa Malipiro Ambiri
Mwachitsanzo, Bank Key ikupereka "akaunti yowonongeka kwaulere" ndi ndalama zosachepera $ 10.
Pambuyo masiku 30 oyambirira ngati wogulitsa akaunti, mukhoza kuika cheke ndikupeza ndalama zanu ndi tsiku limodzi. Ngati muli ndi ndalama zofanana mu akaunti yanu, mutha kuika cheke yomweyo. Bank Key akhoza kukupatsani khadi la debit yogwirizana ndi akaunti yomwe imavomerezedwa pafupifupi kulikonse ngati ndalama ndipo idzapatsidwa inshuwalansi kuti iwonongeke.
Akaunti ya banki idzakuthandizani kusankha mwachindunji ndalama zanu ndi mabwana anu kapena mabungwe a boma monga IRS ndi Social Security. Ndalamazo zingagwiritsidwe ntchito kudzera mu khadi lanu la debit popanda kusokonezeka kukachezera kubanki kapena kufufuza ndalama.
Kumene Mungapereke Cash Paycheck Popanda Bank Account
Zotsatira zotsatirazi ndizofunikira kuganizira ngati mwaganiza kuti akaunti yanu ya banki si yoyenera malinga ndi zochitika zanu.
Mabanki
Mungathe kulipira chekeni pogwiritsa ntchito banki yomwe abwana anu amagwiritsidwa ntchito pofuna kutulutsa cheke. Ngati pali nthambi yapafupi, funsani ngati akufuna kupereka chithandizochi.
Komanso, fufuzani ndi bwana wanu kuti muwone ngati apangana ndi banki kutulutsa ma cheki kuti apereke chithandizo ichi kapena mtengo wotsika mtengo.
Malinga ndi kafukufuku wolembedwa ndi My BankTracker, Citibank sapereka ndalama kuti agule cheke pansi pa $ 5,000 omwe amachokera ku banki yawo, ndipo Capital One idzapanso ndalama zowonongeka ku banki yake kwaulere.
Mabanki ambiri amalipiritsa malipiro, makamaka kuyambira $ 6 mpaka $ 10, ngakhale mabanki ena amapereka ndalama zowonjezera pogwiritsa ntchito peresenti ya chekeyi.
Mabanki angapo adzayesa ndalama kuchokera kwa osakhala makasitomala omwe sagwidwa ndi mabanki awo. Malipiro ambiri adzakhala apamwamba kwa ntchitoyi. Mwachitsanzo, KeyBank, imapereka 1% ya cheke, mpaka kufika pa $ 22.50.
Mabanki ambiri adzakhala ndi ndalama zokhazokha komanso ndalama za boma zomwe sizongoganizira za osakhala makasitomala.
Fufuzani Zithunzi Zotsalira
Onetsetsani kuti malo osungiramo ndalama akupezeka m'masitolo ambiri ogulitsira katundu. Ena amapereka chithandizo cha 24/7 pomwe ena amatseguka pamene malo ogula makasitomala atseguka. Zosankha zokalandira malipiro zimaphatikizapo ndalama kapena kulipira pa khadi la sitolo kwa ogulitsa ena akuluakulu. Chosavuta chachisankhochi ndilo malipiro omwe nthawi zambiri amakhala kuyambira 1 - 5%. Mwachitsanzo, zaka khumi ndi zisanu ndi zisanu ndi zitatu (9) zimapereka chiwerengero cha 99% cha ndalama zowonetsera pa kiosks.
Onani Chithandizo cha Cashing ku Retail Stores
Kufufuza ndalama zogula malipiro, malipoti a boma, msonkho wa msonkho, ndi malamulo a ndalama akupezeka m'masitolo ambiri a Walmart pakhomo laling'ono - $ 3 pofufuza ndalama zokwana $ 1,000 kapena zosachepera ndi $ 6 pofufuza kuposa $ 1,000 ndipo osaposa $ 5,000. (Malire akuwonjezeka kufika pa $ 7,500 kuchokera mu Januari mpaka April chifukwa cha msonkho wobwezera msonkho.).
KMart idzakhazikitsa ndalama, boma ndi ma phwando awiri a phwando (mpaka $ 500) kwa $ 1 m'mayiko ena komanso kwaulere kwa ena.
Ogulitsa ena, makamaka malo ogula zakudya ndi masitolo ogulitsa mowa, nthawi zambiri amalandira ndalama. Pokhala ndi malo ogulitsa zakudya, mungafunike khadi la mamembala a sitolo kuti muyese kufufuza mwayi. Nthaŵi zambiri, pali malipiro okhudzana ndi mautumiki awa.
Makhadi a Bungwe Lolipidwa
Mabanki amapereka makadi olipidwa omwe mungapeze popanda kutsegula akaunti ya banki. Mwachitsanzo, ngati mutsegula khadi la Zamaliti, mutha kusunga ndalama ndikuyang'ana pa khadi lanu pa ATM kapena pulogalamu yanu pafoni yanu. Mutha kugwiritsa ntchito khadi lanu kuchotsa ndalama kapena kugula. Onani kuti pali malipiro pamwezi pazinthu izi. Pakali pano ndi $ 4.95 pa khadi la Liquid Chase.
Fufuzani Zogulitsa Cashing
Chinthu chamtengo wapatali chokwera macheke ndi cheke yosungira sitolo.
Onetsetsani kuti malo ogulitsa amatha kulipira peresenti ya cheke ndi / kapena malipiro. Ena angapereke malipiro omwe ali ofanana ndi chiwerengero cha cheke. Ena akhoza kulipira malipiro apamwamba pamwamba pa malipiro ochepa. Mwachitsanzo, kuti mupereke chekeni cha $ 2,000, ndalama za $ 5 kuphatikizapo 1 peresenti zimachokera ku $ 25 kuchotsera pa malipiro anu.
Kufufuza malo osungirako ndalama nthawi zambiri kumapereka chitsimikizo chisanafike pa ndalama zomwe sizinaperekedwe kuti zilipire ndalama zambiri ndipo zimatenga ndalama zapakhomo pa tsiku la kubadwa kwake. Zolama za Payday izi ndizofunika kwambiri, ndipo panthawi yomwe ovomerezeka akuzoloŵera ndondomeko yowonjezera, iwo amatha kupitirizabe kugwira ntchitoyi pa mtengo wapatali. Malinga ndi Consumer Federation of America, kulipira ngongole kungadutse madola 15 - $ 30 kubwereketsa $ 100 ndi chidwi chowonjezera mpaka 400% pa chaka.
Kulemba thandizo kwa Amzanga ndi Banja
Anthu ena omwe alibe makaunti a banki amayandikira oyanjana awo odalirika amene ali ndi mabanki a mabanki ndikuwapempha iwo kuti aziwongolera ndalama zawo.
Chidziwitso Chofunika kwa Cash Check
Pofuna kuika cheke, mumayenera kupereka njira imodzi kapena ziwiri zozindikiritsira, kuphatikizapo chizindikiro cha chithunzi, monga chilolezo cha dalaivala, pasipoti, kapena ID ya chithunzi cha boma. Chidziwitso cha photo chithunzi cha boma ndi chizindikiro chovomerezeka kwambiri chovomerezeka kuti chigwiritsidwe ntchito.
Nkhani Zowonjezera: Payday Miyendo | Mmene Mungagwiritsire Ntchito Kowonongeka | Ndilipira liti?