E huli i kahi pūnaewele mālama kālā me ka ukuʻole
Me ka noʻonoʻo i hea kahi wahi kūpono e wehe ai i kahi pūnaewele mālama kālā? E heluhelu ma nā manaʻo'ē aʻe.
Local a iʻole ka Pūnaewele?
Hiki iāʻoe ke loaʻa nā waihona kālāʻauhau ukuʻole ma nā wahi likeʻole, e like me nā pūnaewele pūnaewele a me nā hale brick-mortar . Inā makemakeʻoe e hana i kāuʻoihana i ke kanaka,ʻo kahi brick-a-mortar bank ka ala e hele ai. Inā makemakeʻoe e kāleka ma ka pūnaewele , hiki iāʻoe ke noi i kahi moʻokāki ma kahi kāleka kūikawā a iʻole kaʻaha'elepuni e hōʻiliʻili i kāu pūnaewele pūnaewele.
ʻO nā kula liʻiliʻi kāuʻoiʻoi aku maikaʻi loa i ka wā e loaʻa ai i nā kumukūʻai pale brick-a-mortar. Hiki i nā koleka nui aʻe ke hāʻawi pū i nā pūnaewele kūʻokoʻa, akā, ua paʻakikī loa lākou eʻike a loaʻa iā lākou (hiki iāʻoe ke mālama i kahi kau palena palenaʻole a iʻole hoʻonohonoho i nā waihona pūnaewele i ka helu e hiki ai keʻaeʻole i nā uku). Inā pilikiaʻoe i kaʻikeʻana i kāu mea e pono ai, e nānā i nāʻaha kūpana'āina a me nā uniona kālepa i kūʻole i ka hae aupuni.
Online Banks
ʻO nā pūnaewele pūnaewele he kumu kūpono no ka waihona kālā palekana .
Ua hāʻawi lākou i ka mālama kālāʻana a me ka nānāʻana i nā kālā no nā makahiki, aʻaʻole i loli (ʻoiaiʻo ka loaʻaʻana o nā uku kuʻuna i nā makahiki i hala iho nei). Inā he mea nui iāʻoe ka loaʻaʻana o kahi uku kiʻekiʻe ( APY ), ponoʻoe e nānā i nā pūnaewele pūnaewele. ʻO ka maʻamau (akā,ʻaʻole i nā manawa a pau)ʻoi aku kaʻoi aku o ka pūnaewele.
Makemake i kekahi mau manaʻo no kahi pūnaewele mālama kālā me ka ukuʻole? E ho'āʻo i nā hōʻike ma lalo nei. ʻAʻole i koe ka palena iki no ka weheʻana i kēia mau moʻolelo,ʻaʻohe mau mālama mālama malama, a hiki iāʻoe ke wehe i kahi moʻokāki pūnaewele .
ʻO ke poʻo nui 360:ʻO ka mea nuiʻo 360 keʻano hou o ING Direct (he paionia ma ka honua o nā pūnaewele mālama kālā pūnaewele). Ua loaʻa iā lākou ka pale kaua e hana ai i kāu mea e pono ai, a he mau hoʻokūkū paʻakikī. Eʻikeʻoe e ponoʻoe i kahi pūnaewele mālama pilikino " hono " e wehe i kahi waihona kālā me Capital One 360.
Ally Bank: ʻO'Ally Bank he panakō pūnaewele'ē aʻe ia i noho ma laila no kekahi manawa. He kū hoʻokahiʻo Ally no ka meaʻaʻoleʻoe i makemake i ka pilikino brick-a-mortar pūnaewele no kaʻikeʻana i ka weheʻana o kahi kālā; hiki iāʻoe ke hoʻokumu i kahi pūnaeweleʻo Ally keʻokeʻo a hoʻolilo i ke kālā me ka waihoʻana, kahi kiko'ī kūpono, a hoʻoili pū paha.
ʻO ka Capital One 360 a me Ally nā mea iʻoi aku ma nā pūnaewele pūnaewele, akā,ʻaʻoleʻo lākou wale nō - aʻaʻole lākou iʻoi aku ka maikaʻi loa. ʻO ka hapa nui o nā pūnaewele pūnaewele nui like, no laila e koho i ka'ake e loaʻa ana nā waihona kālā kālā me nāʻano kiko'ī āu e pono ai. E hoʻomaopopo wale i nā loli i nā manawa a pau; inā kohoʻoe i kahi pēlā wale no ka mea heʻoi aku ka hoihoi nui o ka panakō, e hele koke ana kahi'ē aʻe a hāʻawi hou.
Pūʻulu Pakihi: ināʻoe e holo ana i kahiʻoihana, he mea naʻauao ke hoʻokaʻawale i kāuʻoihana a me kāuʻike pilikino. Ponoʻoe e wehe i kahi pūnaeke hōʻailonaʻoihana e loaʻa ai kahi waihona kālā no kāuʻoihana, akā ponoʻoe e nānā i kekahi manawa (aʻo kekahi nānāʻana i ka uku kālā uku paneʻe - hiki paha ke hoʻopau i ka pono o kahi pūnaewele mālama). ʻO kekahi mau koho e pili ana i ka US Bank "Silver" a me Capital One "Spark," akā, ponoʻoe e nānā i nā uniona hōʻai'ē a me nā kāʻei kaiāulu.
E hoʻolālā i mua
Ma kou kohoʻana i ka wahi e wehe ai i kahi moʻokāki, e noʻonoʻo e noʻonoʻoʻoe i kahi hiʻona o ka helu pūnaewele iāʻoe, a no ka hōʻoiaʻana o ia mau lawelawe he māhele o ka waihona mālama waihona (aiʻole eʻike pono paha i nā uku e hiki ke hoʻohanaʻia). ʻO kekahi mau nīnau e hoʻomaka aiʻoe e:
- E loaʻa iāʻoe kahi kāmele ATM?
- Loaʻa nā'eneke hikiʻole o nā ATM ma kāu wahi?
- He mea nui ke alo a me ke alo o kaʻauʻa. Inā pēlā, he kūpono nā lālā a wehe i ka wā e pono ai lākou?
- Hiki ke hāʻawiʻia ka'onike i nā hua'ōlelo CD ?
- Hiki iāʻoe ke hana i nā waihona ma ka pūnaewele aiʻole me kāu pūnaewele puni honua ?
- Pono e hana i nā hoʻoili kelepona? Ehia na kumu o lakou?
Pehea e pili ana i nā lawelawe e pili ana i kahi pūnaewele mālama kālā? Hiki iāʻoe ke noi aku i kahi moraki, kahi pahu mālama palekana , aiʻole he helu hōkeo i kekahi manawa, a he mea kūpono paha ka loaʻaʻana o nā mea a pau ma kahi hoʻokahi. E liʻuliʻu iki paha kou ola inā kohoʻoe i kahi pēlā e hiki ai ke mālama i nā hemahema he nui - e loaʻa iāʻoe nā mau kiko'ī (aiʻole nā leka uila), aʻaʻole ponoʻoe e mālama i nā helu pūnaewele. Ma waho aʻe, hiki i nā bank ke hoʻokuʻu i nā uku ma ka nānāʻana a me nā waihona mālama kālā inā hoʻohanaʻoe i nā huahana.