ʻAʻole ponoʻoe i kahi kāleka brick-and mortar e mālama pono i kāu kālā
ʻAʻole i ka wā ma mua, ua palena waleʻia kāu mau koho no nā waihona mālama kālā i nāʻauwai o ka moku aʻoʻoe nō ke aloha o kēlā me kēia lawelaweʻana o ka poʻe lawelawe a me nā uku paneʻe e hāʻawiʻia e nā'auke'āina. I kēia mau lā, akā, he nui nā koho'ē aʻe. Mahalo i ke kelepona pūnaewele, hiki iāʻoe keʻike i nā kumukūʻai maikaʻi a me nā kālā iʻoi aku ma mua o ka wā ma mua a mālama i kāu pili pili pūnaewele mai kāu'ōpili aiʻole kamepiula. Inā makemakeʻoe i kahi kaʻawale i kāu kālā ma kahi pūnaewele mālama waiwai nui, heluhelu e aʻo i kahi mea kūpono iāʻoe.
01 Manaʻo Kūwaena: Ally
ʻO ka papa helu kiʻekiʻe ma kēia papa inoaʻo'Ally Bank, me kona kiʻekiʻe he 1.45 pakeneka a me ka lā hoʻokahi e hoʻoili ai ma o Zelle,ʻikeʻia kēia pūnaewele i kahi hui o nā uku kiʻekiʻe a me ka maʻalahi hiki i kāu kālā. ʻO'Ally, GMAC mua, hāʻawi aku i nāʻike pūnaewele a me nāʻike mālama kālā. ʻAʻole e loaʻa nā uku kālā i kēlā me kēia mahina, hāʻawi i kahiʻauhauʻauhau mamao a hiki i ka maʻalahi e hoʻouna i ke kālā i nā hōʻailona ma kekahi'ē aʻe'ē aʻe maʻAmelika Hui Pūʻia.
Ua kūʻai maikaʻiʻia kahi kālepa maikaʻi e ka'akena, i waena o ka nui o ka uku kumupanee ma kaʻoihana, nā uku liʻiliʻi a me nā hoʻoili kokeʻana me Zelle. Ināʻoleʻoe e hoʻopau i nā hapa liʻiliʻi hou o kahi pakeneka o ka hoihoi, he koho paʻakikī kēia.
02 Aia no nā hoʻoili wikiwiki: Ka mea nui
ʻO Capital One kahi bank iʻoi aku ka maikaʻi iʻikeʻia no kona mau kāleka kālekaʻoi aku ma mua o kona mau kākeke kālā, akā,ʻaʻole ia he manaʻoʻaʻole i kūpono kou nānā. Ua kūʻaiʻo Capital One i ke ING Direct i ka makahiki 2011 a ua hoʻopuka houʻiaʻo Capital One 360, ka pūʻai kālā o Capital One. ʻO 360 Checking a me 360 mau hoʻopakele i waena o nā meaʻoi loa no nā mea kūʻai kele pūnaewele.
ʻAʻole i loaʻa ka palena kūponoʻole o ka waihona kālāʻauhau uku a hoʻonui i ka 1.0 pakeneka APY. Heʻoi aku kēia iʻoi aku ka kiʻekiʻe ma mua o kaʻawelike kuhina, akā,ʻaʻoleʻo ka luna o ka pa. ʻO kekahi mea nui nui, akā,ʻo ia ka lālā o Major One ma Zelle, kahi pūnaewele kūʻai wikiwiki e hiki ai iāʻoe ke hoʻouna i ke kālā mai kahi waihona kālā i kekahi ma ka lā hoʻokahi me ka ukuʻole.
03'Okela no ka lawelawe kōkua: American Express
He mea hoʻolaha loaʻo American Express i nā huahana waiwai a uaʻike nuiʻiaʻo ia no kāna mau kāleka kāleka. Akā i ka 1.45 pakeneka APY, aia kona pūnaewele mālama pūnaewele i ka papa kiʻekiʻe ma keʻano o ka uku. ʻAʻole i loaʻa ka palena palena palena a me nā uku o ka mahina, a hikiʻoe ke loli i nā kālā i kekahi'ē aʻe'ē aʻe e hoʻoili i ke kālā.
ʻO kekahi ma lalo o nā kāmele Amex i kēia manawa,ʻo ka kāleka kāleka a me nāʻauwai e hoʻohana i nā wahi likeʻole, nā'ōlelo a me nā pūnaewele. Eia naʻe,ʻo ka moʻokōki mai ka American Express wale nō, kahi i loaʻa ma waena o kaʻoihana kūʻaiʻoi aku i kūpono i nāʻoihana kālā. Ke nānā nei i ka māhele o ka mīkini ma ka pūnaewele, ua akāka e like ka nui o ka lawelaweʻana i ka poʻe hōʻai'ē.
04ʻOi aku no ka hōʻaihoʻi kālā kālā: Loaʻa
ʻO kekahi kamaliʻi'ē aʻe iʻike nuiʻia no nā kāleka kāleka ma mua o ka pēlā kālā,ʻikeʻo Discover i kahi pūnaeweleʻike a me ka waihona mālama kālā ma o Bank Bank. E loaʻa i kahi'eneke kālā he 1.5 pakeneka APY,ʻo ia ka hapa nui o ka pāʻani. ʻAʻole kokoke i ke kumukūʻai,ʻoiai no nā hoʻoili pūnaewele ke komo.
Kūleʻaleʻaʻo Bank i kahi pūnaewele mālama kālā kālā, he mea kūikawā ia ma kaʻoihana mālama waihona pūnaewele. Ke uku iki neiʻo ia, ma kahi 1.35 pakeneka APY no nā palekana ma lalo o $ 100,000 a me 1.40 pakeneka no nā kaulike iʻoi aʻe ma luna o $ 100,000, na kēia helu e hāʻawi iāʻoe i ka hiki ke loaʻa kāu kālā ma o ka ATM, ka hoʻopihapiha a iʻole ka helu.
05 Pūnaewele maikaʻi loa me nāʻano kino: CIT Bank
Ma waena o kēia papa inoa, e kū ana kekahi ma waho o ka hoʻomaha ma kahi hapa wale nō, .05 pakeneka e pololei. ʻO ka Bank CIT,ʻaʻole e pilihua iā Citi Bank, hāʻawi i 1.55 pakeneka APY e like me kēia palapala. Pono nā kālā e koi i kahi kaulike he $ 100. Ma waho aʻe o nā waihona mālama pūnaewele, hiki i ka CIT ke hāʻawi i nā mea kūʻai i kahi palena palena o nā moku'āina a puni ka'āina ma o kona mau lālā lālā (71 mau lālā e like me USbanklocations.com).
E like me nā pūnaewele mālama pūnaewele,ʻaʻohe kumu no ka hoʻohanaʻana i kaʻike pūnaewele a maʻalahi ke leka uila iāʻoe a mai kāu mauʻike ma nā'auwaʻa'ē aʻe. Hiki ke mālamaʻia kēia pūnaewele mālama kālā e like me ka helu mālama mālama, no laila, inā he mea mālama kālā a kāu keiki a makemakeʻoe e hoʻokaʻawale i kahi kiʻekiʻe me ka pilikiaʻole, pono paha kēia pilikino.
06'Okela UK-Based: Barclays
ʻO Barclays kahi hoʻokumu kālā kālā o UK. Maʻaneʻi maʻAmelika Hui Pūʻia, hoʻolaunaʻia kaʻaha kālā e nā hui kālā a me kaʻikeʻana i kaʻike kālā. Kuhi ka waihona kālā mālama kālāʻo Barclays i ka nui o ka huina ukiuki ma ka lāhui (1.5 pakeneka APY e like me kēia palapala) a me nā uku no ka mālama mālama mālama kālā a me nā uku'ē aʻe no ka hana maʻamau.
ʻAʻole ka palena kūpono loa o ka helu a hāʻawiʻana i ka'auke pūnaewele me nā hoʻoiliʻana i aiʻole mai kekahi pūnaeke waihona pūnaewele'ē aʻe oʻAmelika Hui PūʻIa. ʻOiai ka liʻiliʻi o ka waihona kālā, hāʻawi lākou i kahi koho palekana, nui-hiʻona e kau i kāu kālā. A i ka manawa e waihoʻia ai kāu kālā, hiki i kāu pila kālā ke loaʻa kahi'ōlelo Pelekane ma kēia mua aku.
07 He mea nui no nā kālā hōʻemi: Marcus na Goldman Sachs
Ke manaʻo nei ka hapanui o Goldman Sachs no kona kūlana lanakila Wall Street, akā,ʻoi aku ka nui o ke kālāʻo Goldman Sachs. Ua hoʻolaha koke aku ka hui i kona mau'ēheu i nā wahi he nui, e like me ka hāʻawiʻana i ka hāʻawi kālā a me ke kālā. Mālamaʻo Marcus e Goldman Sachs i nā laikini pilikino a me nā mālama waiwai maikaʻi.
ʻO ka waihona waiwai mālama waiwai e kokoke ana i ka piko o ka makeki ma 1.5 pakeneka APY. No kaʻupena waiwai nui e nānā ana e hoʻonui i ka uku nui i kēia uku pānaʻi, e noʻonoʻoʻoe kahi palena o $ 1 miliona no ka mea mālama pūnaewele a he $ 1 miliona no ka helu. ʻO ka hapanui o mākouʻaʻole mākou e hopohopo no kēlā mea, akā, eʻoi aku ka maikaʻi o ka hoʻohanaʻana i kēia pūʻulu no kahi kālā hōʻai'ē.
08 Hoʻopuka maikaʻi loa no ka hōʻai'ē waihona: Bank Synchrony
ʻO Bank Synchrony,ʻo GE Capital i kēia manawa, kahi o nā kumukūʻai hoʻopiʻi uku nui i loaʻa i kēia mau lā. Kuhiʻia no ka wahi mua ma kēia papa inoa me kahi 1.55 pakeneka o ka lōʻihi. I loko o ko mākouʻikeʻana,ʻoi aku ke kūkuluʻokoʻaʻana ma ka pūnaewele ma Synchronyʻaʻole pono e like me kekahi mau mea'ē aʻe ma kēia papa inoa, akā he wahi palekana ia e mālama ai i kāu kālā ma kahi hoʻolālā kiʻekiʻe me kaʻimi kālā FDIC.
ʻO kekahi kumu waiwai nui e hāʻawiʻia ana kēia pūnaewele ma luna o nā kope mālama kālā pūnaewele he ATM. ʻOiai hiki iāʻoe ke hoʻololi i kekahi'ē aʻe ma ka pūnaewele oʻAmelika Hui PūʻIa, e hāʻawi kēia i kahi koho no ka wikiwiki e komo i kāu waihona me ka kaliʻole i kahi hoʻololi e hele. I kahi lawaiʻa no nā pūnaewele pūnaewele, hiki iāʻoe ke waiho i nā waihona ma kahi ATM i loko o kahi pūnaewele mālama pūnaewele Synchrony,ʻoiaiʻo ka ATM kaʻaeʻana i nā waihona a hōʻike i ka logo keu a ACCEL paha.