Pehea e kōkua ai i nā hana kāleka kālā: nā kālepa mai kāu lālā

Ponoʻoe i kahi mau mākeʻi e hiki ai ke mālama iāʻoe a hiki i kou hōʻoiaʻana?

ʻO ka pilikia nui loa me ka kākauʻana i nā kānalua,ʻo ia nō e pono mau iāʻoe ke nānā pono. He lā lōʻihi kēlā no kaʻikeʻana i ka ukuʻana me ka'ikikoki a iʻole ke kālā-a iʻole e hana i nā leka uila i kaʻike pūnaewele. ʻAʻole kūpono nā kāleka i ka pono o kēia ao: hiki i ke ao:ʻO ka mea maʻamau, ponoʻoe e kauoha i nā kānalua i nā hebedoma i mua o kou hoʻolālā e hoʻohana. Akā ināʻoe i loko o kahi pine, hiki i kāu kāleka ke hāʻawi i kekahi mau māka "counter" manawa hou no nā koi koke.

He aha ke Counter Check?

ʻO nā helu kuhi kālā he mau kānana i loaʻa iāʻoe i kahi lālā o ke kālā, i ka manawa pinepine mai kahi mea haʻi aku aiʻole i kahi ukana pono'ī. Hiki ke paʻi a hoʻohanaʻia i kēia manawa, no laila e loaʻa koke ana iāʻoe ma hope koke o kāu weheʻana i kahi moʻokāki hou. Hiki ke kōkua iā lākou ināʻaʻoleʻoe e hoʻokuʻu i nā kāleka a pono kokeʻoe i kahi leka.

Kūleʻa nā Banks i kāuʻike pilikino e pili ana i nā loiloi, no laila hana lākou e like me nā loiloi mau. ʻO kāu helu kuhikuhi a ABA a me ka helu helu keʻikeʻia ma ka lalo o kēlā me kēia helu ma kēlā mikina MICR maʻamau. ʻO kekahi mau pūlāwai e komo pū me kou inoa a me kāu helu wahi, akā, no ka hapanui,ʻo kēia mau mākalo he mau mea kūʻai maʻalahi loa nā mea kūʻai aku i ka wā e hoʻohana anaʻoe i kahi papa helu helu.

ʻAʻole i like nā helu kuhi kālā me nā kāleka o ka cashier , aʻo ia hoʻi nā māka'ī e kāleka ai kāu kāleka. Kālepaʻo Cashier no ka "hoʻopau" a iʻole e hōʻoiaʻiʻoʻia ke kālā, a ua uku lākou i nā mea i kākauʻia ma luna o lākou. ʻAʻole no nā pane kālā hōʻole no ka uku i nā uku, aʻaʻole'ē lākou koe koe wale nō kaʻike o ka mea nāna i mālama i kaʻike.

Pehea e loaʻa ai nā kāleka kōkua

E hele i kāu pēlā a iʻole ka lālā o kaʻahahui e noi i kahi helu kālepa. Ma mua o kou heleʻana aku i ka lālā, e kāhea a nonoi iāʻoe inā loaʻa nā kuke helu. Eʻike i keʻano o ke kaʻina hana, a inā makemakeʻoe e hoʻohana i kekahi lala. ʻOiaʻiʻo, inā hoʻohanaʻoe i kahi pēke pūnaewele wale nō,ʻaʻole hiki iāʻoe ke loaʻa nā kālepa no ka meaʻaʻole lālā e hele.

I ka manawa ma ka lālā, e noi aku i ka mea hoʻopuka a mea kūʻai paha e hoʻopili i nā loiloi, e hōʻike i kāu ID, a hoʻopau i nā hana'ē aʻe e noiʻia e kaʻaʻa. Ponoʻoe e nānā i ka lima ma loko o nā minuke wale nō.

Pehea e hoʻopiha ai i nā mākaʻiʻike

ʻO ke kākauʻana i kahi kope me kahi helu helu helu helu like me ka hoʻohanaʻana i kekahiʻike'ē aʻe ( e nānā i kahi hōʻike aʻo kiʻi ):

1. E kākau i ka lā ma ke kihi'ākau.
2. E käkau i ka inoa o kou payee ma ka laina e pili ana i "Pay to the order of."
3. E kākau i ka nui o ka helu ma ka puka helu i ka pahu ma ka'ākau.
4. E kākau i ka nui ma ka hoʻohanaʻana i nā hua'ōlelo ma ka laina ma lalo o ka laina Payee.
5. Hōʻike i ka "memo" a iʻole kekahiʻikeʻike inā makemakeʻoe.
6. E hōʻoia i ka makaika kokoke i ka'ākau'ākau.

Hiki paha iāʻoe ke kākau i kāuʻike pilikino ma ka helu helu, ma ke kihi o kaʻaoʻao hema. Eia hou,ʻo kekahi mau pepa e kākau i kēlā mau kiko'ī noʻoe. Ināʻaʻole,ʻo ka mea āu e kākau nei i ka leka e makemake pahaʻo ia eʻike i ka hoʻopiliʻana iāʻoe inā loaʻa kekahi pilikia. Eia kekahi laʻana, makemake lākou iāʻoe e hoʻolako i kou inoa a me kāu helu kelepona i ka liʻiliʻi. Makemake pinepine nā mea kūʻai aku i kāu helu wahi a me ka helu laikini kaʻa kaʻa pū.

Nā Paʻa a me ka Lehulehu o ka hoʻohanaʻana i nā Kōkua Kūkewele

ʻO ka loaʻa koke aku: ʻO ka pono nui o ka helu kuhi he mea iāʻoe ka mea āu e makemake ai-kahi kaomi-me kahi heleʻana i ka lālā.

Ma mua o ka kaliʻana no ka hoʻounaʻana i nā leka, hiki iāʻoe ke hoʻomaka e kākau i nā leka i ka manawa koke.

Ka uku a me nā palena: Kū'ē nā Bank i nā uku liʻiliʻi e kau i nā leka ma ka lālā, no laila e uku e ukuʻia iʻelua kālā no kēlā me kēia helu. Eia kekahi, hiki iāʻoe ke loaʻa i kekahi mau kaukini wale nō i ka manawa-ʻaʻoleʻoe e hele i waho me 50 mau māka.

Nā hopena maikaʻi? Ināʻoe e hoʻolālā e hana i kahi uku me kekahi o kēia mau kānana, e hoʻomaopopoʻoeʻaʻole makemake nā kālepa eʻae i nā kālepa hōʻailona ma keʻano he uku . Inā paha e kāleka ana ke kāleka i kāuʻike pilikino ma ka helu helu,ʻoi aku kaʻokoʻa o nā loke i nā mea likeʻole. ʻAʻole lākou helu helu helu,ʻo ia ka hōʻailona e nānāʻia ka helu helu helu. Hiki paha i nā kālepa ke hopohopo ua weheʻoe i kahi pūʻulu hōʻailona (hiki ke hōʻailonaʻia i ka hōʻailona nui ), a iʻoleʻoe e hoʻohana nei i kahi helu pilikino i hanaʻoleʻia.

Ke holo nei i waho o nā Checks?

Inā pilikiaʻoe, aʻikeʻoe iāʻoe iho ma kēiaʻano maʻamau, e ho'āʻo i ka hoʻohanaʻana i nā mūkiniʻuʻuku. ʻOiai ua kōkua nā hana kuhi i nā loiloi, he manawa kūpono e hele ai i ka lālā, a he meaʻuʻuku hoʻi ka mea e uku ai i ka hōʻailona mai kahi mea paʻi .

No ka hoʻohanaʻana i nā mikiki hou, e hoʻonui i kaʻenehana:

• Kākau inoaʻia no nā uku kūpono ma o ACH no nā uku maʻamau e like me nā pili pili pono a me nā uku hoʻokele.
• E hoʻohana i kāu pūnaewele uku pāʻoihana pūnaewele . E uku ana kāu kāleka i ka leka uila a iʻole leka uila iʻoleʻoe e loaʻa.
• E hoʻolālā me kāu kālepa hoʻopihapiha ma mua o ka kākauʻana i nāʻike i nā mea kālepa. Eʻoi aku ka maikaʻi, e hoʻohana i kahi kāleka kāleka a uku aku i kēlā me kēia mahina.
• E hoʻopuka i kāu mau hoaaloha me nā lawelawe pūnaewele a me nā noi no ka hoʻounaʻana i ke kālā .