UWurhoxiswa Njani uMrhumo
- Yiba needipozithi ezithe ngqo zenyanga ezifikelela kwi-500 yeedola okanye ngaphezulu ezenziwe kwiakhawunti yakho yeChase Total Checking®.
- Gcina ibhalansi yemihla ngemihla kwi-akhawunti yakho yokutshekisha okanye ngaphezulu kwe-1,500 yeedola.
- Gcina ibhalansi yemihla ngemihla eyi-avareji ye-5,000 yeedola okanye ngaphezulu kuyo nayiphi na indibanisela yokujonga uChase ofanelekileyo, ukonga kunye nezinye iibhalansi.
Yeyiphi ibhanki engenamali yokuyilungisa? Zeziphi iibhanki ezineeakhawunti zokujonga ezingahlawulisi mali? Ibhanki ye-Axos, ibhanki ye-nbkc, i-Charles Schwab Bank, iBhanki ye-Discover kunye ne-Capital One 360 ineeakhawunti zokutshekisha ngaphandle komrhumo wenyanga kunye nezinye iifizi ezimbalwa.
Ndikuphepha njani ukuleqa imirhumo yesondlo?
OKANYE ibhalansi ekuqaleni kwayo nganye ngosuku $ 1,500 zegolide ngakumbi kule akhawunti. OKANYE umndilili wosuku lokuqala lwe-$ 5,000 okanye ngaphezulu kuyo nayiphi na indibaniselwano yale akhawunti kunye neediphozithi ezifanelekileyo / utyalo-mali.
Zeziphi iibhanki ezibiza umrhumo wenyanga?
Eyona akhawunti ingahlawulisi mali yokuhlawula
- Eyona nto igqwesileyo iyonke: I-Akhawunti ye-Capital One 360® yokuHlola.
- Ukubaleka: I-Akhawunti yoNzala yokuKhangela iAkhawunti.
- Okona kulungileyo ukuze ufumane amabhaso: Fumanisa iakhawunti yeCashback Debit Account.
- Eyona nto ingcono kwii-ATM ezingaphandle kothungelwano: I-akhawunti yokuJonga i-akhawunti ye-Alliant Credit Union.
- Eyona nto ibhetele kubafundi: Iakhawunti yokuJonga iKholeji℠.
Ndiyirhoxisa njani intlawulo yam yenyanga yokugcina iBhanki yaseMelika?
Kukho iindlela ezimbalwa abathengi abanokuphepha ngazo $ 12 ngenyanga umrhumo wesondlo. Indlela yokuqala yokuphepha umrhumo kukuba ube nediphozithi ethe ngqo ekufaneleyo ubuncinci i-250 yeedola. Okwesibini kukugcina ibhalansi encinci yemihla ngemihla ye-1,500 yeedola okanye ngaphezulu. Okwesithathu kukubonisa ukuba ungumfundi ongaphantsi kweminyaka engama-24.
Ingakanani imali ekufuneka ndiyigcine kwi-akhawunti yam yokutshekisha?
Ingakanani imali iingcali ezicebisa ukuba zigcinwe kwi-akhawunti yakho yokutshekisha? Ngumbono olungileyo ukugcina Iindleko zokuphila zenyanga enye ukuya kwezimbini kunye ne-30% ye-buffer kwiakhawunti yakho yokujonga.
Ngaba iichimes zithembekile?
Inqanaba lebhanki lilonke
Undoqo: I-Chime yinkampani yezemali ye-intanethi kuphela esebenzisana neebhanki ezimbini ukuze ibonelele ngee-akhawunti zayo zokujonga kunye nezokugcina. Ayifani nesebe lebhanki yakho yemveli, kodwa iiakhawunti zeChime zisenayo i-inshurensi ye-FDIC, ngoko ke iindawo ezikhuselekileyo ukugcina imali yakho.
Ngaba i-PNC inentlawulo yenyanga?
I-akhawunti ye-PNC yokuHlola iyahlawula a $7 umrhumo ngenyanga, kodwa kukho iindlela zokuphepha intlawulo. Ukurhoxisa umrhumo wolondolozo lwenyanga, kufuneka ufezekise enye yezi mfuno zilandelayo: Gcina ibhalansi ephakathi ye-500 yeedola, Fumana i-$ 500 kwiidiphozithi ngqo ngexesha lengxelo, okanye.
Kutheni uChase ehlawulisa i-12 yenkonzo yomrhumo wenkonzo?
I-Chase Bank isanda kuphumeza i-$ 12 ngenyanga "imali yenkonzo" ukuya ukujonga akhawunti ukuba musa ukufumana idiphozithi ngqo $ 500 okanye ngaphezulu. …Yintlawulo yokungabi namali xa ufuna imali yakho kakhulu.
Ngaba Chase ngokwenene ukunika $ 200?
Ewe, I-Chase inika abathengi abatsha bokukhangela ibhonasi ye-$ 200 emva kokuba umthengi evula i-akhawunti yokuHlola i-Chase Total Checking kunye nekhowudi yekhuphoni yokuphromotha, ngoko ugqiba idiphozithi ngqo kwiintsuku ze-90 zokuvula i-akhawunti. … I-Chase iya kusebenzisa ngokuzenzekelayo ikhowudi yekhuphoni yokujonga i-$ 200 xa ucofa "Vula i-akhawunti" kwi-intanethi.
Yintoni umrhumo wenkonzo wenyanga weChase?
Inkonzo yenyanga ezi-5 zeedola umrhumo okanye i-$ 0 ngenye yezi zilandelayo, ixesha lengxelo yenyanga nganye: Ibhalansi ekuqaleni kosuku ngalunye lwe-$ 300 okanye ngaphezulu kule akhawunti.
Kwenzeka ntoni xa ujonga imirhumo ye-akhawunti yenyanga xa unebhalansi eyi-0?
3 Iimpendulo. Ngaphandle kokuba isivumelwano sakho sithetha ngenye indlela, ibhanki igunyaziswe ukuba itsale imali kwi-akhawunti yakho ngesixa-mali kwaye ikuhlawulise umrhumo owongezelelweyo. ngenxa yokuba ngaphezulu. Ukuba awongezi imali kwi-akhawunti ukuyizisa kwibhalansi evumayo, banokukusukela ngenxa yayo njengoko bebenokwenza naliphi na elinye ityala.
Kutheni iBhanki yaseMelika ithatha intlawulo yenyanga yokulungisa?
Ukuphepha Iintlawulo zeNyanga zoLondolozo
Ngamanye amazwi, iBofA yayifuna ukuhlawulisa abathengi imali ngokungagcini ubuncinci obufunekayo kunye nezohlwayo eziqatha ze-overdraft.
Ngaba kubi ukuvala iakhawunti yebhanki?
Ukuvala i-akhawunti kunokukongela imali kwimirhumo yonyaka, okanye kunciphise umngcipheko worhwaphilizo kwezo akhawunti, kodwa ukuvala Iiakhawunti ezingalunganga zinokulimaza inqaku lakho letyala. Khangela iingxelo zakho zekhredithi kwi-intanethi ukuze ubone isimo se-akhawunti yakho ngaphambi kokuba uvale ii-akhawunti ukunceda amanqaku akho ekhredithi.
Ithini intlawulo yenyanga ye-BOA yokulungisa?
IBhanki yaseMelika iJonga imirhumo yeakhawunti
Nantsi lapho a $ 4.95 ngenyanga umrhumo wolondolozo lwe-Advantage SafeBalance Banking®, i-$12 intlawulo yenyanga yokugcina i-Advantage Plus Banking® kunye ne-$25 yenyanga yokulungisa i-Advantage Relationship Banking®, kodwa yi-Advantage Relationship Banking kuphela efumana inzala.
Ngaba kubi ukuba nemali eninzi ekujongeni iakhawunti?
Ukugcina kakhulu kwi-akhawunti yakho yokutshekisha kunokuthetha ukuphoswa ngumdla oxabisekileyo kunye nokukhula. Malunga neendleko zeenyanga ezimbini zezona zigcinwa kwi-akhawunti yokutshekishwa. Iiakhawunti zogcino lwesivuno esiphezulu, iiCD, kunye neeakhawunti zotyalo-mali zingcono kwimali yexesha elide.
Kufuneka ndigcine imali engakanani xa ndingama-40?
Ke ngoko, umndilili wokonga ngokweminyaka kufuneka ube yi-£ 51,434 kwiminyaka engama-30, unyuke ukuya. £ 124,911 yi ubudala be-40 kunye ne-£ 198,390 yobudala be-50. Umyinge we-Brit ngandlela-thile kude nogcino olulindelekileyo kwaye kufuneka ulondoloze kakhulu ngakumbi ukufikelela kumanqanaba acetyiswayo okonga e-UK.
Ingaba umntu ophakathi unemalini ekongeni?
Imizi yaseMelika ibinomndilili weakhawunti yebhanki $ 41,600 kwi I-2019, ngokwedatha evela kwi-Federal Reserve. Ibhalansi ye-akhawunti yebhanki ephakathi yi-$ 5,300 ngokwedatha efanayo.
Kwakutheni ukuze ndivinjwe yichime?
Kutheni ndingakwazanga ukuvula iSpending Account? I-Chime isebenzisa umntu wesithathu ukuqinisekisa iinkcukacha zobuqu ozifakileyo xa ufaka isicelo se-akhawunti yokuchitha. Ukuba ulwazi lwakho lobuqu alunakuqinisekiswa, isicelo siyasilela. Oku kwenzeka ngamaxesha athile kwaye akuyomfuneko ukuba kubonise ukufaneleka kwakho.
Yintoni igama leBhanki yeChime?
I-Chime yinkampani yeteknoloji yezemali, kungekhona ibhanki. Iinkonzo zebhanki zinikezelwa ngu Ibhanki yaseBancorp okanye Stride Bank, NA, Amalungu FDIC.
Yintoni idilesi yebhanki yetshime?
I-Chime yi-app yebhanki ephathwayo enceda abathengi ukuba bafezekise "impilo yezemali" ngaphandle kwemirhumo efihliweyo, bahlawulwe ukuya kuthi ga kwiintsuku ezi-2 kwaye bakhule ngokuzenzekelayo ukonga.
...
Abafowunelwa beChime.
email: | *****@*******.*** |
---|---|
Igama Lomncedisi: | ********** |
Ifowuni yoNcedisi: | *********** |
idilesi: |
PO Box 611 ESan Francisco, CA 94104 i-USA |
Ndiyiphepha njani imirhumo yenkonzo ye-PNC?
UziNqanda Njani Imirhumo yeNyanga yoLondolozo lweBhanki ye-PNC
- Gcina ubuncinci beMali eseleyo kwiAkhawunti.
- Gcina Ubuncinci beMali eseleyo kwiAkhawunti.
- Nxulumanisa iiAkhawunti zakho zeBhanki.
- Cwangcisa idiphozithi ngqo.
- Thatha i-advanteji yeBhanki ye-PNC yokurhoxisa ngokusekwe kubudala bakho.
Ngaba i-PNC ingcono kuneBhanki yaseMelika?
IBhanki yaseMelika ine-akhawunti yokonga imali ephezulu yenyanga, kodwa I-PNC inemali ephezulu yokujonga i-akhawunti. Ikhadi letyala le-PNC libekwe phezulu kakhulu kwi-Credio kunekhadi lebhanki leBhanki yaseMelika. Oku kunokwenzeka ukuba kungenxa yepesenti esezantsi yepesenti (APR) ye-PNC kuphela ye-9.99%.
Ngaba iBhanki yaseMelika inemirhumo yenyanga?
IBhanki yaseMelika iJonga imirhumo yeakhawunti
Nantsi lapho i-$ 4.95 intlawulo yenyanga yokugcina i-Advantage SafeBalance Banking®, i-$ 12 yenyanga yokulungisa i-Advantage Plus Banking® kunye ne-$ 25 yenyanga yokulungisa i-Advantage Relationship Banking®, kodwa yi-Advantage Relationship Banking kuphela efumana inzala.