Izinketho zamasheya - ama-akhawunti asebhange asebenzayo kuwe · Isifundo 1 3

Ukuvula i-akhawunti yasebhange ngisho nangaphandle kwe-SSN

Yini okufanele uyenze, yini okufanele uyicele, nokuthi yini okufanele uyenze uma uke wenqatshwa ngaphambilini. (About 15 min, 5 quiz questions)

Kulesi sifundo

Yini ozoyifunda

Bhala izinhlobo ze-ID amabhange nezinyunyana zezikweletu ezingamukela, njengepasipoti, i-ID ye-consular, noma i-ITIN.
Thola ama-akhawunti angabizi kakhulu, njenge-akhawunti eqinisekisiwe yasebhange.
Chaza ukuthi yini okufanele uyenze uma ibhange likwenqaba ngenxa yombiko wakho womlando wasebhange.
Lungiselela imibuzo ozoyibuza ngaphambi kokuvula i-akhawunti.

Ukuthi lokhu kuxhumene kanjani namakilasi ethu: Ikilasi lethu lihlanganisa lokho amabhange avame ukukucela nokuthi imibiko yomlando wasebhange isebenza kanjani. Lesi sifundo sikunikeza uhlu lokuhlola idokhumenti, sikukhombisa ukuthi ungawathola kanjani ama-akhawunti we-Bank On angabizi kakhulu, futhi sikuhambisa ngokuthola nokuphikisana nombiko wakho we-ChexSystems.

Amagama okumele wazi

ITIN: Inombolo yokuhlonza umkhokhi wentela ngabanye. Inombolo yentela enamadijithi ayi-9 evela ku-IRS kubantu abayidingayo kodwa abangakwazi ukuthola inombolo yokuphepha komphakathi.
I-ID ye-Consular (Consular ID): Ikhadi le-ID elinikezwa yinxusa lezwe lakho noma i-consulate kwizakhamizi zalo ezihlala kwelinye izwe, njenge-Mexican Matrícula Consular.
Umbiko womlando webhange (Banking history report): Umbiko wokuthi usebenzise kanjani ama-akhawunti asebhange nezinyunyana zezikweletu esikhathini esedlule. Amabhange ayisebenzisa ukunquma ukuthi angakuvulela i-akhawunti yakho. I-ChexSystems yinkampani eyaziwa kakhulu eyenza le mibiko.
Isaziso sesenzo esibi (Adverse action notice): Isaziso ibhange okufanele likunikeze sona lapho likwenqaba ngenxa yombiko. Iqamba igama lenkampani eyenza umbiko.
Akhawunti yasebhange eqinisekisiwe (Bank On certified account): I-akhawunti engabizi kakhulu ebhange noma inyunyana yesikweletu ehlangabezana nezindinganiso zikazwelonke ezibekwe uhlelo lwe-Bank On olungenzi nzuzo, njengokungabikho kwezimali ze-overdraft.
I-akhawunti yethuba lesibili (Second chance account): I-akhawunti yabantu abanezinkinga nge-akhawunti yasebhange esikhathini esedlule. Ingahle ibe nezici ezimbalwa noma imali encane yanyanga zonke.

Kungani i-akhawunti ikusindisa imali

Hlangana noRosa. Uhlanza amahhovisi edolobheni laseDC futhi uthola isheke lephepha njalo emavikini amabili. Ukhipha isheke ngalinye esitolo esiseduze nefulethi lakhe eColumbia Heights, futhi isitolo sigcina ingxenye yesheke ngalinye njengemali. Ngemuva kwalokho uthenga ama-oda emali ukukhokhela irenti yakhe kanye ne-bill yefoni, futhi ukhokha imali nge-oda ngalinye lemali.

I-akhawunti yasebhange ingaqeda iningi lalezi zindleko. Nge-akhawunti ebhange noma enyunyana yesikweletu, ungakwazi:

Thola inkokhelo yakho ngediphozi eqondile. Imali ifika ngosuku lokukhokha, futhi awukhokhi lutho ukukhokha isheke.
Khokha izikweletu ku-inthanethi noma ngekhadi lasebhange esikhundleni sokuthenga ama-oda emali.
Gcina imali yakho iphephile. Imali ekhaya ingalahleka noma yebiwe. Imali ebhange elinomshuwalense noma inyunyana yesikweletu ivikelwe kuze kufike kumkhawulo womshuwalense, noma ngabe ibhange noma inyunyana yesikweletu yehluleka.
Yakha irekhodi ebhange. Lokhu kungasiza kamuva uma ufuna imalimboleko, ikhadi lesikweletu, noma ikhaya.

Ukuze ubone ukuthi i-check cashing ingabiza malini ngonyaka owodwa, funda Amabhange, Izinyunyana Zezikweletu, Izinhlelo Zokusebenza, kanye Nama-Check Cashers.

Yini okufanele uyilethe

Imithetho kahulumeni ithi ibhange noma inyunyana yesikweletu kufanele iqoqe igama lakho, usuku lokuzalwa, ikheli, nenombolo kamazisi, futhi kufanele ihlole ukuthi ungubani. Ibhange ngalinye linquma ukuthi yimiphi imibhalo elamukelayo, ngakho-ke imithetho ayifani yonke indawo. Shayela kuqala bese ubuza.

Inombolo ye-ID

Inombolo yokuphepha kwezenhlalo (SSN), uma unayo.
I-ITIN evela ku-IRS, uma ungakwazi ukuthola i-SSN. Letha incwadi ye-IRS ekhombisa i-ITIN yakho.
Uma ungenayo, amanye amabhange amukela inombolo epasipoti yakho noma enye i-ID kahulumeni.

Kusukela ngoJuni 2026, abalawuli bakahulumeni bacele amabhange ukuthi abheke ngokucophelela amakhasimende asebenzisa i-ITIN. Abanye bangacela eminye imibhalo noma bathi cha, ngakho-ke buza ngaphambi kokufaka isicelo.

I-ID yesithombe

Ilayisense yokushayela yase-US noma ikhadi le-ID lombuso
Ipasipoti evela kunoma yiliphi izwe
Ikhadi le-ID le-consular elivela kwinxusa lezwe lakho noma i-consulate yezwe lakho
Ikhadi lokuhlala unomphela lase-US (ikhadi eliluhlaza) noma imvume yokusebenza

I-DC, iMaryland, neVirginia ngayinye inikeza ilayisense yokushayela noma ikhadi le-ID kwezinye izakhamizi ezingakwazi ukukhombisa isimo esisemthethweni sokufuduka kwamanye amazwe. La makhadi awakwazi ukusetshenziselwa izinhloso zikahulumeni, njengokugibela indiza. Amanye amabhange awamukela njenge-ID. Buza ngaphambi kokuthi uhambe.

Ubufakazi bekheli

Amabhange amaningi nawo acela ubufakazi bokuthi uhlala kuphi, njengokuqashisa, umthethosivivinywa wokusebenza, noma incwadi evela ehhovisi likahulumeni. Uma kungekho zikweletu egameni lakho, buza ukuthi yini enye ibhange elamukelayo.

Imali yediphozithi yokuqala

Amanye ama-akhawunti adinga u- $ 25 noma ngaphansi ukuvula. Abanye badinga okuningi. Buza ukuthi kungakanani ngaphambi kokuhamba.

Thola i-akhawunti yasebhange eqinisekisiwe

I-Bank On uhlelo lukazwelonke oluqhutshwa yinhlangano engenzi nzuzo, i-Cities for Financial Empowerment Fund. Iqinisekisa ama-akhawunti angabizi kakhulu emabhange nasezinyunyaneni zezikweletu. Ngaphansi kwe-Bank On National Account Standards ka-2025-2026, i-akhawunti eqinisekisiwe kufanele ibe nale:

Idiphozi yokuvula engu- $ 25 noma ngaphansi
Imali yanyanga zonke engu- $ 5 noma ngaphansi, noma kuze kufike ku- $ 10 uma kunezindlela okungenani ezimbili ezilula zokukugwema, njengediphozithi eqondile
Azikho izimali ze-overdraft futhi azikho izimali zokukhokha ezibuyiselwe ngoba bekungekho mali eyanele. I-overdraft yenzeka lapho uchitha imali engaphezu kwalokho onayo ku-akhawunti yakho futhi ibhange liyikhokha noma kunjalo. Amabhange amaningi akhokhisa imali isikhathi ngasinye.
Azikho izinkokhelo zebhalansi ephansi noma ukungasebenzisi i-akhawunti
Ikhadi lasebhange lamahhala, idiphozi yamahhala eqondile, kanye nokheshi wamahhala namasheke amadiphozithi

Amazinga futhi akhuthaza ngokuqinile amabhange ukuthi amukele i-ITIN nama-ID afana ne-ID ye-consular, futhi anqabe abantu kuphela ngokukhwabanisa okwedlule, hhayi ama-overdrafts amadala. Akuwona wonke ama-akhawunti aqinisekisiwe enza lokhu, ngakho-ke buza. Kusukela ngoJuni 2026, abalawuli bakahulumeni bacele amabhange ukuthi abheke ngokucophelela amakhasimende asebenzisa i-ITIN.

Sesha ama-akhawunti aqinisekisiwe ngombuso ku-joinbankon.org. E-DC, uMnyango Womshuwalense, Securities and Banking (DISB) ugijima iBhange On DC ngamabhange endawo nezinhlangano ezingenzi nzuzo. Vakashela bankondc.org noma ushayele (202) 727-8000. E-Maryland, i-CASH Campaign engenzi nzuzo yaseMaryland ihola iBank On Maryland.

Uma ibhange likwenqaba

Amabhange amaningi abheka umbiko womlando wasebhange ngaphambi kokuvula i-akhawunti. Izinkampani ezimbili ezinkulu ezenza le mibiko yi-ChexSystems ne-Early Warning Services. Umbiko ungakhombisa i-akhawunti endala evaliwe ngemali ekhokhwayo, njenge-overdraft engakhokhelwa. Kungase futhi kubonise ukukhwabanisa okusolwayo.

Uma ibhange likwenqaba ngenxa yombiko, kufanele likunikeze isaziso, esibizwa ngesaziso sesenzo esibi, esibiza inkampani. Bese ulandela lezi zinyathelo:

Thola umbiko wakho wamahhala. Ungathola umbiko wamahhala njalo ezinyangeni eziyi-12 enkampanini ngayinye. Ungathola futhi umbiko wamahhala ezinsukwini ezingama-60 ngemuva kokuthi ibhange likwenqabe. Ukufinyelela ku-ChexSystems, iya ku-chexsystems.com noma ushayele i-800-428-9623.
Funda umugqa ngamunye. Bheka ama-akhawunti okungewona awakho, amanani angalungile, nezikweletu osuvele uzikhokhele.
Phikisana namaphutha ngokubhala. Thumela impikiswano yakho enkampanini yokubika. Futhi thumela ikhophi ebhange elinikeze imininingwane engalungile. Faka amakhophi, hhayi okuqala, amarisidi noma izincwadi ezifakazela iphutha. Gcina ikhophi yakho konke okuthumelayo.
Linda impendulo. Ngaphansi komthetho wobumbano, inkampani ngokuvamile inezinsuku ezingama-30 zokuphenya, futhi kufanele ilungise imininingwane engalungile.
Uma isikweletu singokoqobo, xhumana nebhange olikweletayo. Buza ukuthi ungakwazi yini ukukhokha noma wenze uhlelo lokukhokha. Cela ibhange ukuthi libike isikweletu njengoba sikhokhelwe lapho usuqedile. Thola isivumelwano ngokubhala.

Isampula yencwadi yempikiswano

[Usuku]
I-Chex Systems, Inc., i-Attn: Ubudlelwano Babathengi, PO Box 583399, Minneapolis, MN 55458
Igama lami [igama lakho eliphelele]. Usuku lwami lokuzalwa ngu[usuku]. Ikheli lami [ikheli lakho]. [Engeza i-SSN yakho noma i-ITIN lapha uma unayo.]
Ngiphikisana nale nto embikweni wami: [igama lasebhange], inombolo ye-akhawunti [inombolo], kubikwe ngo-[usuku]. Lolu lwazi alulungile ngoba [chaza ukuthi kungani]. Ngifake amakhophi we [amarisidi, izincwadi, noma izitatimende]. Sicela uphenye, ulungise noma ususe le nto, bese ungithumelela ikhophi ebuyekeziwe yombiko wami.
Ngobuqotho, [igama lakho]

Uma umbiko uqinisile

Usenezinketho. Amabhange amaningi nezinyunyana zezikweletu zinikeza ama-akhawunti ethuba lesibili kubantu abanezinkinga ezedlule. La ma-akhawunti angaba nemali encane yanyanga zonke noma izici ezimbalwa, kepha akuvumela ukuthi uqale kabusha. Ngemuva konyaka wokusetshenziswa ngokucophelela, buza ukuthi ungathuthela ku-akhawunti ejwayelekile. Izinkinga ezindala nazo zibalulekile ngokuhamba kwesikhathi. Ezinye izinkampani ezibika azisebenzisi imininingwane engaphezu kweminyaka emihlanu ubudala.

Isibonelo

Qhathanisa izindleko zonyaka zama-akhawunti amabili

URosa uqhathanisa ama-akhawunti amabili. Ulindele ukugcina cishe ama- $ 400 ku-akhawunti yakhe entsha futhi ayidlule cishe kabili ngonyaka. Lezi zimali ziyizibonelo. Imali yangempela iyahlukahluka ngebhange.

I-Akhawunti A: imali engu- $ 12 yanyanga zonke ngaphandle kokuthi ugcine okungenani u- $ 1,500 ku-akhawunti, kanye ne- $ 35 nge-overdraft ngayinye.
I-akhawunti B (i-Bank On eqinisekisiwe): imali engu- $ 5 yanyanga zonke futhi ayikho imali ye-overdraft. Uma uRosa engenayo imali eyanele, ukuthengwa kwekhadi lakhe lasebhange kunqatshelwe.

Unyaka owodwa wokukhokha i-Rosa (isibonelo sezimali)
Izindleko	I-akhawunti A	I-akhawunti B
Izinkokhelo zanyanga zonke izinyanga ezingu-12	$ 144	$ 60
Izinketho zamasheya ezi-2	$ 70	$ 0
Ingqikithi yonyaka	$ 214	$ 60

$ 214 - $ 60 = $ 154 ilondolozwe ngonyaka owodwa nge-Akhawunti B

I-akhawunti A ibukeka ijwayelekile, kepha uRosa ngeke akwazi ukugcina u- $ 1,500 kuyo, ngakho-ke uzokhokha imali njalo ngenyanga. Njalo qhathanisa imali ngokuya ngokuthi uyisebenzisa kanjani i-akhawunti yakho.

Imibuzo okufanele uyibuze ngaphambi kokusayina

Letha lolu hlu nawe. Cela uhlu lwemali ngokubhala, bese ulifunda ekhaya ngaphambi kokuthatha isinqumo.

Ingabe ikhona imali ekhokhwayo yanyanga zonke? Ngingakugwema kanjani?
Ingabe ikhona ibhalansi encane? Kwenzekani uma ngiya ngaphansi kwayo?
Yimalini engiyidingayo ukuvula i-akhawunti?
Ngabe ukhokhisa imali ye-overdraft? Unayo i-akhawunti engenayo imali ye-overdraft?
Aphi ama-ATM akho wamahhala? Kubiza malini ukusebenzisa i-ATM yelinye ibhange?
Ngingayisebenzisa nini imali kusuka kusheke engilifaka?
Ngingafaka imali? Kuphi?
Ngabe ikhona i-app yeselula? Ngingathola isexwayiso sombhalo lapho ibhalansi yami iphansi?
Ngabe unayo ifomu noma uhlelo lokusebenza ngolimi lwami?
Ngabe le akhawunti inshuwalense yi-FDIC noma i-NCUA?

Qaphela

Ungalokothi uvumele omunye umuntu ukuthi asebenzise i-akhawunti yakho

Umuntu ongaziwa, umngane omusha we-inthanethi, noma umqashi mbumbulu angakunika imali yokufaka isheke ku-akhawunti yakho bese uthumela ingxenye yayo emuva. Noma bangacela ikhadi lakho lasebhange ne-PIN, noma iphasiwedi yakho yasebhange eku-inthanethi. Yithi cha.

Uma isheke liyinkohliso, ibhange lizobuyisela imali ku-akhawunti yakho, imvamisa emasontweni kamuva. Uzokweleta noma iyiphi imali osuvele uyisebenzisile noma oyithumele. Ibhange lingavala i-akhawunti yakho futhi likubike kuChexSystems. Lokhu kungenza kube nzima ukuvula i-akhawunti noma kuphi iminyaka.

Uma lokhu kwenzeka kuwe, shayela ibhange lakho manje, bese ubike ku-ReportFraud.ftc.gov. Funda kabanzi esifundweni sethu sendlela yokubona imikhonyovu.

Ithiphu

Shayela igatsha ngaphambi kokuba uhambe

Ungathi: "Nginencwadi ye-ITIN nepasipoti evela eGuatemala. Ngingavula i-akhawunti yokuhlola ngalezi zinto? Unayo i-akhawunti yasebhange? " Bhala phansi igama lomuntu okhulume naye. Letha imibhalo yasekuqaleni, hhayi amakhophi.

Ufuna usizo lwamahhala? E-DC, i-DISB Office of Financial Empowerment and Education inikeza imfundo yezezimali yamahhala. Shayela (202) 727-8000. E-Maryland, i-CASH Campaign yaseMaryland inikeza ukuqeqeshwa kwezezimali kwamahhala.

Izinto ezibalulekile

Awudingi njalo inombolo yokuphepha komphakathi. Amabhange amaningi amukela i-ITIN, iphasiphothi, noma i-ID ye-consular, kepha imithetho iyahlukahluka, ngakho-ke shayela kuqala.
Ama-akhawunti aqinisekisiwe asebhange awanayo imali ye-overdraft, idiphozi ephansi yokuvula, kanye nezimali eziphansi noma ezingenayo inyanga.
Uma ibhange likwenqaba, thola ukuthi iyiphi inkampani eyenza umbiko, thola ikhophi yakho yamahhala, futhi uphikisane nanoma yimaphi amaphutha.
Qhathanisa imali ngokuya ngokuthi uyisebenzisa kanjani i-akhawunti, bese ucela uhlu lwemali ngokubhala.
Ungalokothi uvumele omunye umuntu asebenzise i-akhawunti yakho. Kungakubiza imali ne-akhawunti yakho.

Qhubekela phambili

Amawebhusayithi athembekile lapho ungafunda khona kabanzi. Lezi zixhumanisi ziya kwamanye amawebhusayithi angasebenzi yi-Dollar Scholars.

Thola ibhange (Enye iwebhusayithi)
Federal Deposit Insurance Corporation (FDIC) · Ulimi: English

Yini okufanele uyilethe ukuvula i-akhawunti, kufaka phakathi izinketho ze-ID zabantu abangenayo inombolo yokuphepha komphakathi, nokukhethwa kwe-akhawunti okungabizi kakhulu.
¡Abra una cuenta de banco! (Enye iwebhusayithi)
Federal Deposit Insurance Corporation (FDIC) · Ulimi: Español

Inguqulo yolimi lweSpanishi yomhlahlandlela we-FDIC wokuvula i-akhawunti yasebhange.
Thola i-akhawunti yasebhange eqinisekisiwe (Enye iwebhusayithi)
Cities for Financial Empowerment Fund (nonprofit) · Ulimi: English

Sesha ngombuso ama-akhawunti asebhange angabizi kakhulu kanye nezinyunyana zezikweletu ezihlangabezana nezindinganiso zikazwelonke zeBhange.
Kungani nginqatshelwe i-akhawunti yamasheke? (Enye iwebhusayithi)
Consumer Financial Protection Bureau (CFPB) · Ulimi: English

Amalungelo akho ngemuva kokwenqatshwa, ukuthi ungawuthola kanjani umbiko wakho womlando wasebhange wamahhala, nezinketho ezifana nama-akhawunti wethuba lesibili.

Lesi sifundo yimfundo ejwayelekile yezezimali, hhayi iseluleko sezomthetho, sentela noma sezezimali. Imithetho nemali iyashintsha, ngakho-ke hlola izinombolo ezibalulekile ngomthombo osemthethweni.