No ke aha ke Bank Online?
Kele uila
ʻO nā pūnaewele pūnaewele kou ala maikaʻi loa ma ka loaʻaʻana o ka loaʻaʻole. Hoʻomaopopo maʻamau i ka hoʻohanaʻiaʻana ma kahi kokoke i nā panakō, akā paʻakikī kaʻikeʻana.
I ka hapanui o nā hihia, ponoʻoe e hoʻolālā i ka nānāʻana ma nā hale brick-a-mortar ma ka waihoʻana i kāu peni kālā a me ka mālamaʻana i kahi kaulike nui ma kāu moʻokāki.
ʻAʻoleʻo ia ka hihia ma nā pūnaewele pūnaewele loa - ke hāʻawi nei lākou i nā waihona kālā kūʻokoʻa i nā mea a pau me kahi aʻoi aʻe ma kahi kālā hoʻokahi. He nui aku paha, hiki iāʻoe ke loaʻa kālā ma ka waihona kālā ma kāu helu kelepona inā hoʻohanaʻoe i kahi pūnaewele pūnaewele. ʻAʻole i like ke kiʻekiʻe o ka ukupanei i ka nui o ka ukiuki waihona waihona kālā , akā,ʻoi aku ka nui ma mua o kāu loaʻa ma nāʻaina kahiko.
ʻO kekahi mau brick-mortar bank a me nā uniona kālepa ke hāʻawi pū nei i ka nānāʻole , a hiki paha ke uku aku i ka ukupanee me ka hōʻai'ē kālā . Ponoʻoe e loaʻa nā kula liʻiliʻi eʻoliʻoli i kēia mau pono. Ināʻaʻoleʻoe eʻike e like me ka huliʻana, hiki i nā pūnaewele pūnaewele nui ke mālama iāʻoe.
NāʻImi Nui Loa
Hoʻomaopopoʻia nāʻaha pūnaewele no ka ukuʻana i nā kumukūʻai nui aʻe (aiʻole APY ) ma nā waihona kālā mālama a me ka palapala hōʻoia o ka waihona (CD).
ʻO ka manaʻo,ʻaʻole lākou e uku i nā kumukūʻai o pili i ka hale a mālama i kahi lālā, no laila e hiki ai iā lākou ke uku hou aku. Ma nā lā mua o ke kelepona pūnaewele,ʻoi aku ka nui o ka huina kālā - a ke loaʻa nei pahaʻoe i ka maikaʻiʻoi aku ma ka pūnaewele -ʻoiaiʻoe e kali ma ka mēle e loaʻa ai nā māka i waihoʻia.
Ināʻoe eʻimi ana i ka loaʻa nui loa o ka makemake i loaʻa, pono kahi pūnaewele pūnaewele kahi e loaʻa ai iāʻoe. ʻAe, mai hopohopoʻoe i kaʻikeʻana e loaʻa i kahi'auke'ē aʻe kāu i ka hopena ma kēia mua koke. Hoʻokomo kekahi poʻe i nā buke helu ma nā pūnaewele pūnaewele a hoʻololi i nā kālā ma waena o nāʻikepili e like me nā loiloi kālā. Hiki iā ia ke uku aku, akā e mālama pono i nā lā "hoʻololi" i ka manawa i loaʻaʻole ai kāu kālā i ka loaʻa kālā .
Pānaehana
Ke alakaʻi nei nā hui pūnaewele i ka wā e pili ana i kaʻenehanaʻauwai. ʻAʻole lākou i ka manawa mua, akā ua hāʻawi lākou i nā hiʻohiʻona hou ma mua o ka hanaʻana o nāʻoihana brick-and mortar. Eia kekahi laʻana, he mea maikaʻi loa e uku ai i nā kālā pūnaewele me kaʻole e hoʻouna i ka mēle i loko o nā waihona (ʻo ia hoʻi, hiki iāʻoe ke hoʻomaka e loaʻa ka wikiwiki nuiʻoi aʻe). ʻO kekahi mau pūʻulu liʻiliʻi a me nāʻeke kālā i hāʻawiʻia i kēia lawelawe ma mua o nā pūnaewele pūnaewele nui loa. No lailaʻaʻole hiki iāʻoe ke kiʻi hou i kaʻenehana hou loa, akā, e loaʻa koke ana iāʻoe.
Hiki i nā pūnaewele pūnaewele keʻae iāʻoe e loaʻa nā hiʻohiʻona āu e hikiʻole ai ke komo i. Ināʻaʻole e hāʻawi ana kāu pēke i uku uku pāʻoihana pūnaeweleʻole a iʻole ka uku pilikino, e hiki ke loaʻa iāʻoe kahi pūnaewele pūnaewele e hāʻawi nei i kēia mau polokalamu.
Hiki iāʻoe ke leʻaleʻa i kahi pūnaewele ATM nui aʻe , e pili ana i kahi e noho neiʻoe, e maʻalahi ai ka hoʻokuʻuʻana i ka nele.
Hoʻollo i ka lālā
I ka pae hope loa, e pili ana i ka mālamaʻana i nā mea aʻoe iho, me kaʻole pono e hele i kahi lālā. Inā makemakeʻoe i kōkua, hāʻawi ka hapa nui i nā lawelawe kelepona ma ka pūnaewele (ma ka launa a me ka leka uila) a ma o nā laina laina lainaʻole. I ka nui o ka hoʻokūkū, pēlā nō ka maikaʻi o ka lawelawe lawelawe.
Hiki paha iāʻoe ke hauʻoli e pale i nā lālā. Ke hoʻohanaʻoe i kahi pūnaewele pūnaewele,ʻaʻole ponoʻoe eʻeha i nā kūʻai kūʻai āu iʻike pinepine ai ma nā lālā o ke kālā; hiki iāʻoe ke hoʻopau i kāuʻoihana a holo wale me kāu lā. Eia hou, hiki i nā poʻe i nā kaiāulu liʻiliʻi ke mahalo i ka inoa inoaʻole e hiki ai iā lākou ke hoʻolālā me ke kōnae pūnaewele:ʻaʻohe mea e noho ma ke kūlanakauhale eʻike i kāu pili kālā.
ʻO nā pūnaewele pūnaewele kūpono?
ʻO nā kāʻei pūnaewele he hōʻailona nui loa i ke ao mālama kālā , akāʻaʻole pono lākou. Inā makemakeʻoe e hana me nā kānaka i loko o ke kanaka, ponoʻoe e pili i kahi hale brick-mortar. Ponoʻoe e hoʻoluʻolu me ka hoʻohanaʻana i nā kamepiula, a ponoʻoe eʻike i kaʻike pilikino no ka pale o ka pūnaewele (mālama i kāu mau polokalamu i kēia lā, e pale i nā kumukūʻai hoʻohālua , a pēlā aku). Mai kēlā manawa i kēia manawa, hiki iāʻoe keʻike i nā loea laulā, akā,ʻo nā mea'ē aʻe, e manaolana nui ka hopena.