ʻO ka manawa kēia e loaʻa ai ka meaʻoi aku ma waho o kāu kāleka
ʻO ka hōʻoʻoʻana i nā helu i ka helu nui loa o kāu kālā pono'ī. He hana ia e like me ke kiko o ke kikowaena o kāu mau kālā a ma kahi e komo ai ka uku a me ka hoʻolimalima kālā. Me ka nui o ka mea nui, he mea nui e koho i kahi kākike nui. A aia nā puʻu e koho mai, e like me nā mea e hāʻawi ana i nā uku kālā,ʻaʻohe kālā ATM aʻoi aʻe. No ke kōkuaʻana i ka hana maikaʻi, hoʻokomo mākou i kahi papa inoa o nā pūnaewele maikaʻi loa no ka nānāʻana i nā kālā, no laila hiki iāʻoe ke hōʻoia e loaʻa anaʻoe i ka bang maikaʻi loa no kāu kī.
01'Oke piha loa:ʻO Charles Schwab Bank
ʻO ka pūʻulu helu maikaʻi loaʻaʻole i loaʻa mai kahi waihona kuʻuna, mai ka hui kūʻokoʻa. Ua hoʻokumu muaʻia nā waihona kālāʻo Charles Schwab no nā Schuna investors, akā, mālamaʻia nā kumukūʻai no nā haʻawina haʻahaʻa,ʻaʻole kūpono kaulike a me ka hiki ke hoʻohana i kekahi ATM ma ka honua me ka ukuʻole. ʻO ka mea wale nōʻaʻole e waihoʻia e kēia pūnaewele ke kau kālā.
Loaʻa nā moʻolelo i nāʻano like āu e manaʻo nei mai kahi pūnaewele'auki pūnaewele, me ka uku uku ukuʻole, nā hoʻoili liʻiliʻiʻole i nāʻikepili ma Schwab a me nāʻaukā'ē aʻe, kahi kāleka piliʻole a me nā loea e like me nā loiloi free. ʻO ka pōmaikaʻi nui loaʻaʻoleʻo ia nā ATM-uku. ʻAʻoleʻo Zebwab e koi no nā kumukānāwai ATM haole a hoʻihoʻi hou iāʻoe no ka hoʻoukaʻana mai nā ATM'ē aʻe ma kahi o ka honua. No ka poʻe malihini maʻamau a me nā mea e makemake ana e hoʻohana i nā ATM akāʻaʻole makemake i nā uku, he uku nui kēia.
02 Ke nānā nei iā lākou i kēia manawa: Ally Bank
Ke hāʻawi aku neiʻo Ally Bank i kahi moʻokāki piha ma ka pūnaeweleʻike pūnaewele. Hōʻea mai ia me nā hiʻohiʻona maikaʻi e like me Freepoint ATMs (43,000+) a me kahi hoʻolālā o ka helu $ 10 hou no nā kumu kūʻai ATM'ē aʻe, kahi kōkua kelepona hiki ke hoʻohanaʻia kahi e hiki ai iāʻoe ke hele i kahi kanaka, hoʻololi wikiwiki i nā hoaaloha a me nāʻohana me Zelle a ma waena o nā kumukūʻai maikaʻi maikaʻi loa no nāʻauwai pūnaewele.
ʻAʻole kokoke i nā uku no kēia helu no ka hana maʻamau. Hiki iāʻoe ke loaʻa i ka uku a kālekaʻole me ka ukuʻole. ʻAʻole nui ka nui o ka hoʻopiʻi no kēia wahi. ʻO kahi mea āu e hikiʻole ai ke hana me kēia pūnaewele pūnaewele wale nō kahi waihona kālā. Akā, no ka 2018 a me ka waihoʻana o ke kālā kālāʻaʻole i maʻalahi nā mea maʻamau no ka poʻe ma waho o kaʻoihana lawelawe,ʻaʻole pono e hoʻihoʻi iāʻoe.
03 Best High Tech: Nui Kekahi 360
Ināʻoe e noi iā Capital One 360,'ōlelo lākou he poʻeʻoihana loea lākou e hana pū ana hoʻi i nāʻoihana'aukiʻa,ʻaʻohe hea e loaʻa i kaʻenehana. ʻO keʻano kēia e loaʻa ai iāʻoe kekahi o nā mea hana maikaʻi a maikaʻi loa aku, me nā ukuʻole no ka hana maʻamau me ka kaulikeʻole.
Loaʻa ka'enekele ATMs i kēlā me kēia Capital One aiʻole Allpoint ATM (39,000 a helu helu) a me kahi palena hapa o nā lālā (i kapaʻia nā hale kūʻai) ma nā kūlanakauhale nui. ʻO ka Capital One he pakela mua ia e hāʻawi aku i kahi waihona mai kahi mamao mai o kāu kelepona a me nā polokalamu ikaika a me kaʻike nui. Hoʻolālā ka pēlā i nā kaʻina ukupanee i ka nānāʻana a me nā waihona mālama kālā.
04 Aia maikaʻi loa: Bank Block
ʻIkeʻia kaʻike no nā kāleka kāleka, akā hoʻolaha ia i kahi pūnaewele mālama pūnaewele. ʻIkeʻia ka hōʻai'ēʻo Discover Cashback Checking pūnaewele i hoʻokahi hapene kālā a hiki i $ 3,000 ma ke kūʻaiʻana i kēlā me kēia mahina. Hāʻawi iāʻoe kahi hiki ke loaʻa i kahi $ 360 o ka makahiki i ke kālā.
Loaʻa nā kālā i nā uku liʻiliʻi, me kaʻole o ka uku o ka mahina me ka loaʻaʻole o ka palena kūpono. ʻAʻole he uku no ka uku pānaʻi pūnaewele, hiki i nā 60,000 + ATMs, nānā i nā palena, nā kāpili kāpili kālepa, nā kāleka kāleka aupuni, nā hoʻololi ACH, nā pūnaewele i hōʻea aiʻole e hoʻopaʻa i nā mea i hoʻihoʻiʻia. Heʻuʻuku kēia mau koina kālā a hāʻawi nui i ka uku. ʻO ka mea nui wale nō,ʻo ka pepa kāleka e hana i kahi helu palena o nā mea kālepa e hoʻohālike i nā kāleka kāleka Visa a me Kāleka Kāleka.
05 Nā Hale Koa Koa: USAA Bank Bank
ʻO USA kahi hale kālā kālā wale nō no nā pūʻali koa, nā kūpuna a me ko lākou mauʻohana. Inā loaʻa iāʻoe ka lawaiʻa e hiki ai ke kohoʻia (e like me kahi oʻehā mauʻAmelika e'āpono ana), hiki iāʻoe ke komo i kahiʻokoʻa waiwai nui a me nā huahana'ē aʻe, me kahi mau koho pūʻali maʻamau nui.
ʻO ka pūʻulu helu hōʻailonaʻo USAA Cashback Rewards Checking, e hāʻawi ana i 60,000 ATM liʻiliʻi, palekana ma waho,ʻaʻohe palena kūponoʻole,ʻaʻole pili kālā o ka mahina a me ka loaʻa koke i kāu uku uku i kekahi mau manawa i waiho ponoʻia e DFAS. Loaʻa iāʻoe nā hiʻohiʻona a pau āu e manaʻo nei mai kahi kāleka o kēia manawa ma o ka pūnaewele pūnaewele a me ka pūnaewele.
06ʻO ka mālamaʻana i kahi hōʻailona:'Olahi
ʻO kahi maʻalahi kahi pūnaewele a me ka hoʻopili kālāʻana i hoʻokahi. Loaʻaʻia e BBVA (e noʻonoʻo i ka Compass Bank) i ka makahiki 2014, Ke hoʻomau nei ka hana maʻamau e like me ka hakahaka pale. Ua hoʻolālāʻia i ka makahiki 2012, e lilo ana i mea hou i kaʻoihana. ʻAʻole ona lālā kino a hāʻawi aku i nā lawelawe a pau ma o nā polokalamu pūnaewele pūnaewele a me ka pūnaewele.
Loaʻa i nā manaʻo kūikawā i nā ATMs ATL (ST,000), 55,000, nā waihona pūnaewele huli a me nā mea a pau āu e manaʻo ai mai ka waihona kālā pūnaewele. ʻO nā hiʻohiʻona o nā hiʻohiʻona e hele mai me nā pūnaewele mālama pono a me nā hoʻoponopono kālā, nā mea kūpono e kōkua iāʻoe e hoʻoponopono a mālama i kāu kūlana waiwai. Auē,ʻaʻohe pili!
07 No ka Millennials: Chime
ʻO Chime he polokalamu kelepona polokalamu kelepona hiki ke maʻalahi i kāu hōkeo ma kahi hoʻokahi. ʻAʻole ia he uku, nā kumukūʻai hoʻopili pono, hiki wawe i nā kālā kālā kūpono i kekahi mau mea, a me nā uku no nā uku kālepa, mālama aʻoihana'ē aʻe paha.
ʻO ka polokalamu kelepona he nui a maʻalahi hoʻi e hoʻohana a hele mai me nāʻike kūpono a me ke komoʻana i kaʻike nui loa i loko o kekahi mau piko. Hiki iāʻoe ke hoʻouna aku i kahi leka uila ma o ke pihi ma ka leka uila. ʻAʻole kahi o nā momona nui a me nā bele a me nā kui. Ke hana wale nei nā mea a pau.
08 Nā Kino Hana Pono Loa: Chase
Ināʻoluʻolu kou nui loa he kikowaena pūnaewele o nā lālā lālā i kahi e hiki ai iāʻoe ke hui pū me kahi kanaka no ka mālama kālā i loko o ke kanaka, aiaʻo Chase ma luna o ka pa. ʻOiai he kula kahiko ia e uku ana i nā uku no nā kaulike kaulike kaulike, a me nā uku'ē aʻe, hiki iāʻoe ke komo i kekahi o ka pūnaewele nui loa o nā lālā o ka'āina.
Inā kūponoʻoe me nā liʻiliʻi liʻiliʻi a me nā uku kiʻekiʻe, eʻikeʻoe heʻoi aku ka lawelawe maikaʻiʻana o Chase ma kahiʻoihana kūʻai, hoʻolaha i nā hoʻolaha pūʻokoʻa a me kāna pūkewele mālama i nā mea nui a pau āu e hoʻolei ai i ia mea, e like me ka waiho kālā. E noʻonoʻoʻoe e hoʻohana i kāu kekeputeke ma kēlā me kēia kālepa Chaseʻole inā loaʻa iāʻoe kahi waihona maʻamau maʻamau, no ka mea e loaʻa ana iāʻoe nā uku ma nāʻaoʻaoʻelua.