E wehe i kahi pūʻulu me kekahi o kēia mau moku ma mua o kou hikiʻana i ka pā kula
ʻO ke kula kiʻekiʻe a me ke kula he mau manawa e aʻo hou ai i nā mea he nui i ke ola, e like me ka mālamaʻana i ke kālā. Inā he haumānaʻoe a iʻole he haumana i loko o kou ola, he mea nui e koho i kaʻae kālā kūponoʻaʻole e pale i nā uku nui akā e loaʻa pū nā hiʻohiʻona nui iāʻoe (ʻaʻole kūpono o nā kaulike kūpono, nā hoʻoili kaʻaiʻole, a me nā mea'ē aʻe). ʻO ka loaʻaʻana kekahi mea e hoʻomanaʻo ai inā e noʻonoʻoʻoe i ka hoʻohanaʻana i kaʻike ke heleʻoe ma ke kula. Ināʻoe e nānā ana e wehe i kahi kālā ma mua o kou heleʻana i kahi pā kula, e makemakeʻoe e nānā i kēlā me kēia kūleʻa maikaʻi loa no nā haumāna.
ʻO 01 Kuleana maikaʻi no nā haumāna e mālama ma hope o ke kula: Ally Bank
ʻO Bank Ally kahi pūnaewele pūnaewele wale nō a me kekahi o nā koina maikaʻi loa no kekahi me ka nānāʻole i ke kūlana o ka haumāna. ʻO kaʻoiaʻiʻo,ʻaʻoleʻo'Ally e hāʻawi i kahi waihona helu haumāna, akā, ua nui kāna moʻokāki keʻokeʻo no nā haumāna a ke kōkua i ka hanaʻana i nā kūlohelohe maikaʻi ma ka wā'ōpiopio a mālama hoʻi iā lākou i ke kūpiopio.
ʻAʻohe mālama mālama kālāʻo Ally Bank o kāna kālā no ka mālamaʻana i ka malama a me ka ukuʻole i nā uku. Hiki iāʻoe ke hoʻohana i kekahi ATM hōʻole no ka mea kūʻokoʻa (55,000 mau wahi) a hoʻohana i kekahi ATM me kahi $ 10 i nā uku hoʻolimalima kālā no ka mahina.
Hiki iāʻoe ke hana i kekahi mea me kēia pūʻali akā waiho kālā (he helu helu pūnaewele, ma hope o nā mea a pau,ʻaʻohe lālā). Akā, hiki iāʻoe ke waiho i kahi leka mai kāu kelepona. Hoʻokomo pūʻia nā hōkei me ka hiki iāʻoe ke hoʻoili i nā kālā i ka hōʻailona'ē aʻe ma ka US a hoʻouna i nā kālā (aiʻole loaʻa) i nā hoaaloha a iʻole nāʻohana iā Zelle.
Ke uku neiʻo Ally Bank i kēia manawa i ka 0.10 pakeneka APY ma nā kaulike he $ 15,000 a he 0.60 pakeneka no nā kaulike ma $ 15,000. ʻAʻole maikaʻi ka maikaʻi ma laila, akā uaʻoi aku ka nui ma luna o ka awelika o nā kuʻuna nui a me nā kuʻuna. Ua maikaʻi ka moʻolelo e makemake ana nā haumāna e mālama iā ia ma hope o ke kula.
02 No nā haumāna ma ke kula kiʻekiʻe a me ke kamaliʻi: Capital One 360
Pono nā kamaliʻi e kūkulu i ke kumu waiwai kālā ma mua o ka hoʻokuʻuʻana iā lākou e mālama i kā lākou kālā ma ke kāleka a i ka wā e loaʻa ai kā lākou hana mua. ʻO ka Capital One 360 ke hāʻawi nei i kahi moʻokūkike'ōpiopio i kapaʻiaʻo MONEY me ka ukuʻole.
ʻAʻole kēia kaulike i kaulike loa aʻaʻole no ka uku o ka mahina. Hāʻawiʻia me ka pepa kāleka a me ka loaʻaʻole i 39,000 ATM ma o ka pūnaewele Capital One a me nā Pūnaewele. ʻO ka helu e loaʻa nei he 0.25 pakeneka waiwai,ʻaʻoleʻoi aku ka maikaʻi ma'ō aʻaʻole mamao aku i ka meaʻino loa.
Hāʻawi ka waihona i ka poʻe e komo ana i nā waihona pūnaewele pūnaewele, ke kelenaele pūnaewele, nā leka uila a me nā'auke pūlāwai i kahi palena nui o Capital One Cafes (ka inoa o ke kāpenaʻo Capital One a me ka hale kūʻai ma hoʻokahi).
Loaʻa i nā mākua nā pilina piha i kaʻike i nā hiʻohiʻona a pau e pili ana i ka palapala kāleka. He mea nui kēia no ka aʻoʻana i nā kūkeke kālā maikaʻi a hōʻike i kāu poʻe'ōpio i ka hana kālāʻana, e like me ka hoʻohanaʻana i nā hoʻolālā mālama kope.
03ʻO ka Brick maikaʻi loa a me ka Waihona Mortar: Chase
ʻO Chase kekahi o nā pūʻali nui loa o ka honua a hāʻawi i nā puka kula kiʻekiʻe a me nā kālepa o kāna mau moʻokāki nānā haumāna. Ma muli o ka nui o Chase, loaʻa iā lākou kekahi mea no nā mea a pau. Loaʻa iā lākou kahi pūnaewele nui o nā lālā e kuhi ana i ka'āina mai ke kahakai a hiki i ke kai, e maʻalahi ai i ke kula a me ka hoʻiʻana i ka home.
ʻO Chase High School Checking no nā haumāna 13 a 17 mau makahiki a he pono e weheʻia me kahi makua a mea mālama paha. Pono nā kālā e hōʻemi i $ 25 ka pale kau palena. I mea e pale aku ai i kahi kālā $ 6 ma ka mahina (yuck!), Ponoʻoe e loulou i kahi makua kūpono a kahu mālama paha, e mālama i ka hoʻopili kālā āpau āpau a mālama paha i kahi kau palena palena palena he $ 5,000 i ka helu.
No nā haumāna o ke kulanui 17 a hiki i ka 24, Chase College Checking ka helu o ke koho. Me ka hōʻoia o ke kūlana haumāna (e lawe mai i kahi haumāna ID, palapala hōʻailona a iʻole kope i ka wā e wehe ai i kahi hōkeo hou),ʻaʻoleʻoe e hoʻolimalima i kēlā me kēia mahina no nā makahikiʻelima i ke kulanui. Ma hope o nā makahikiʻelima, pili nā hana e like me ke kula kiʻekiʻe. Loaʻa i kahi waihona $ 25 hapa nui.
ʻAʻoleʻikeʻoe i ka helu kūpono ma ka papa inoa no ka uku, akā loaʻa iāʻoe nā lālā he nui e hālāwai me ke kanaka no ke kōkua a waiho kālā. Inā he mea nui kēia o kēlā mau mea iāʻoe,ʻo Chase ka koho maikaʻi loa.
04 Ka Pepa Haumana maikaʻi loa no ka Budgeting: Māmā
He mea maʻalahi kekahi pūʻulu hoʻokipa maʻamau i hanaʻia no nā mea'ē aʻe, akā he mea nui loa ia no nā haumāna. Hoʻohui pū me ka hoʻoili kālā a me ka hoʻolālāʻana i kahi polokalamu kelepona hoʻokahi,ʻo ia ka mea nui no ke aʻoʻana i ka pehea e mālama ai i ke kālā a me kaʻike i kahi e hele ai kāu kālā i kēlā me kēia mahina. Aʻaʻohe kumukūʻai no ka hana maʻamau.
ʻO kahi maʻamau he pūnaewele pūnaewele wale nō, no lailaʻaʻohe waihona kālā. Akā, e like me nāʻauwai pūnaewele'ē aʻe, hāʻawi iāʻoe i kahi kelepona kāleka, nā waihona pūnaewele pūnaewele, ka pūnaewele a me nā kelepona pūnaewele a me nā hoʻoiliʻana i ka hōʻai'ē'ē aʻe ma ka US. Ma o ka uku uku pāʻoihana, e paʻi a hoʻouna lākou i kahi leka iāʻoe. - maikaʻi kēia no ka meaʻaʻole i hele mai me ka puke kiko.
Hoʻohana kūpono i ka hoʻonohonohoʻana a me nāʻike mālama maʻa mau i loaʻa i nā polokalamu hoʻonaʻauao pūnaewele e like me ka Mint a iʻole ke kālā pololei a hoʻohui pono iā lākou i kāu pūnaeke. ʻO kēia mau papahana kālā e pili ana i nā pahuhopu hoʻopakele, ka hoʻolimalimaʻana i ka nānāʻana ma o ka lālā, a me ka mea hana palekanaʻo Safe-To-Spend e hoʻolako iāʻoe eʻike inā hiki iāʻoe ke kūʻai aʻaʻoleʻole ma mua o kāu uku.
He pūʻulu nui loa ia, a he meaʻoluʻolu loa ka nānāʻana i nā mea kelepona. Pono nō nā mākua e noʻonoʻo i kēia kālepa, keʻoleʻoe e kōkua hou i ka hoʻoponoponoʻana i kāu kālā a me kāu kālā.
05 Ka Pepa Haumana maikaʻi no nāʻohana Koa: USAA
USAAʻo kahi kāpili i hoʻohālikelikeʻia no nā poʻe koa a me ko lākou mauʻohana. ʻO ka pihaʻana o ka pihaʻana o ka USAA ma hope o ke kulanui, no ka mea e loaʻa ana iāʻoe kekahi mau hua laikini maikaʻi loa me nā emi haʻahaʻa loa. Akā, i kēia manawa, e nānā wale aku mākou i nā hua kūʻai kālā a nā haumāna.
USAA Classic Checking no ke kula Loaʻa nā waihona a me ka ukuʻole o nā kumukūʻai o nā haumāna,ʻaʻole nā koi kūpono loa, me nā ATM liʻiliʻi ma nā panakō a pau maʻAmelika Huipūʻia.
Me ke kele pūnaewele, hiki iāʻoe ke kau i kahi leka me kāu kelepona. Hiki iāʻoe ke kau i nā hōkeo a me ke kālā ma nā ATM kiko'ī. ʻO ka palapala kālekaʻo USAA e hoʻohana nei me nā wallets wili a me USAA he lālāʻo Zelle no nā hoʻoili kokeʻana i nā hoaaloha, i hiki mai i ka lima inā ponoʻoe e māhele i ka pānaʻi hoʻolaha pizza.
Hiki i nā haumāna'ōpiopio ke hana maikaʻi aʻe me ka hoʻoponopono ola a me ka hōʻoʻoʻana i nā koho, me kahiʻike pūnaewele i hoʻohālikeʻia no nā'ōpio.
06ʻOihana no nā Mobile Bankers: Chime
ʻAʻohe uku a me kahiʻike pilikino pūnaewele mua-mua e hana iā Chime kahi koho nui no nā haumāna. Ua like ia ma nāʻano he nui i ka mea maʻalahi, akā, me kaʻole o nāʻano hoʻolālā kālā. Eia kekahi, e like me kekahi mau mea'ē aʻe ma kēia papa inoa,ʻaʻole nā haumāna i kālepa i ka moʻolelo. Nui lākou no nā haumāna a me nā mākua.
Loaʻa i ka Chime kahi hana loea maʻamau, me kahi nānā wikiwiki o nā hana i hala aku nei, nā waihona pūnaewele a me nāʻano hana'ē aʻe. ʻAʻole hoʻolimalima kālā hou, nā mahina mahina, nā uku kau palena palenaʻole a me nā uku kālepa'ē aʻe. Inā makemakeʻoe e hoʻohana i ka kāleka hoʻopiʻi Chime ma ke kulaʻana, e hoʻokuʻu i kahi'ōpili a pale aku i nā uku e ukuʻia e nāʻauhau'ē aʻe.
ʻO kahi hiʻohiʻona maikaʻi no nā haumāna me kahiʻoihana ke komo kokeʻana i nā waihona kūpono. Inā ukuʻiaʻoe e kahi kikowaena pololei, hiki paha i kāu haku ke hoʻouna aku i kahi faile i nā pūnaeke mālama kālā i mua o kou lā i kohoʻia. Me Chime, hiki iāʻoe ke hōʻoia i ka wā eʻike ai lākou e pili ana i ka'ōnaewele, a hiki i nā lāʻelua ma mua o ka ukuʻana iāʻoe me kahi kāleka'āina.
07 Ka nui o nā lālā: Wells Fargo
ʻO Wells Fargo ke kāleka nui loa maʻAmelika Huipūʻia keʻanoʻoe e ana i ka helu o nā lālā,ʻoiai e like me ka nui o nā pōhaku brick a me ka mimaka e pani mau ana i nā lālā. Akā no kēia manawa, aia nō ia i ka manawa mua no nā lālā a me ka hāʻawiʻana i kahi lehulehu o ATM.
Ua hāʻawiʻo Wells Fargo i nā palapala likeʻole he nui, me kāna pūʻulu mau haumāna Student Accounting a me nā waihona waiwai palekana. ʻO ka helu Pelekikena Haumāna no nā haumāna o ke kulanui. Hiki i nā haumāna 17 a hiki i ka 24 makahiki ke loaʻa ka uku $ 5 no nā uku lawelawe o ka malama. Akā,ʻo ia hoʻi ke kumu o ka hoʻopiʻiʻana i kēia mau uku i nā uku o ka lawelawe makahiki. E mālama i nā uku!
ʻImiʻia kahi waihona $ 25 hapa hōʻiliʻiliʻoi aku. Aia he $ 10ʻoihana mālama kālā no ka mālama kālā, e hoʻohana pinepineʻia i ka helu Pelekane Pūnaewele kūlike, e emi iho i ka $ 5 ke loaʻa iāʻoe. Hiki iāʻoe ke pale aku i ka uku me nā kālā kūʻai he 10 + o ka malama, $ 500 + ma nā waihona o ka malama āpau a iʻole he $ 1,500 ka palena palena o ka lā. Loaʻa iāʻoe kekahi o nā pili e pili pū me Wells Fargo Campus ATM a iʻole ka Card Debit Card.
Nā uku kiʻekiʻe a me nā uku haʻahaʻa e hoʻololi i kēia koho ma ka papa inoa. Eia hou, e ho'āʻo anaʻo Wells Fargo e hoʻohuli i kahi hōʻino nui e pili ana i ka weheʻana i nā talena kālā me kaʻaeʻole o nā mea nona. He mea paʻakikī ke hilinaʻi iā Wells Fargo. Akā inā makemakeʻoe i ka helu nui o nā lālā,ʻo Wells ka mea lanakila.