Ke weheʻana i kahi pūnaewele pūnaewele
ʻO ka hana mua i nā kiʻekiʻena kiʻekiʻe e wehe ana i kahi helu. He maʻalahi ka hana, a hiki iāʻoe ke hana i nā mea a pau loa. ʻO ia ka hiki iāʻoe ke hoʻomaka a wehe i kahi moʻokūʻai pūnaewele ma kēia pūnaewele -ʻaʻohe pono e hele i ka lālā, paʻi pepa, a kali paha i kekahi mau lā (a me ka pauʻole o ka manawa).
I ka wā ma mua, ua ponoʻoe i kahi pūnaewele i "pili" i kahi brick-mortar bank, akā, aia kēlā mau lā ma hope o mākou.
Kahi e wehe ai i kahiʻike
He nui nā pūnaewele pūnaewele nui e koho mai. E nānā i kahi pēlā e hana i kāu mea e makemake ai, inā eʻimi anaʻoe i ka nui loa, a iʻoleʻoe makemake e kiʻi i nā kumukūkū ATM i hoʻohuliʻia. E nānā pono i nāʻano kōkua e like me ka koho e wehe i kahi mo'kekeu helu a uku i nā palapala kāleka ma ka pūnaewele , a me ka hiki ke hoʻopili i kāu moʻokāki me kāu polokalamu kelepona .
Makemakeʻoe i kahi manaʻo e hoʻomakaʻoe e hoʻomaka? ʻO'Ally Bank a me Capital One 360 e hāʻawi aku i nā waihona kālā mālama waiwai kūikawā, ae ukuʻo'Ally i nā kumukūʻai ATM (i kekahi mau palena) inā hoʻohanaʻoe i kā lākou waihona helu.
Ināʻoe e hele me ke kākika kiʻekiʻe loa, e hoʻomanaʻo i nā mea e loli i ka manawa. ʻO ka panakū me ka APY kiʻekiʻe loa i kēia lā e hāʻule paha ma hope o hoʻokahi makahiki a pēlā paha. Mai kānalua i ka loaʻaʻana o ka nui loa (keʻoleʻoe i ka helu nui nui,ʻaʻole paha he kūpono ke hoʻololiʻana i nāʻaupuni ) -ʻo ka mea nui wale nō ka loaʻaʻana o kahi kaʻina hoʻokūkū .
E hoʻomanaʻo i ka hoʻokomoʻana i nā'ake kūloko a me nā uniona kālā i kāu hulina. ʻO kekahi mau megabanks he mau pūnaewele pūnaewele wale nō, a he mea kūpono paha kēlā mau'ōlelo e pili ana i kāu mau pono. ʻAʻole paha lākou e uku e like me nā pūnaewele pūnaewele, akā e loaʻa iāʻoe ka koho e hana me kahi mea hoʻopuka (no ke kālā) mai kēlā manawa i kēia manawa inā kū ka manaʻo.
Pehea e wehe ai i kahi Pūnaewele
No ka weheʻana i kāu moʻokāki, e kipa i ka pūnaewele o ka halehana āu e makemake ai e kāleka me. E nānā i kahi mea e like me "wehe i kahi pūʻulu," a ke hele neiʻoe. Ponoʻoe e hoʻolako i nāʻike pilikino (e like me kāu helu mālama ola, ka lā hānau, a me ka helu kūlohelohe), no laila e hoʻomaopopoʻoe e hoʻokaʻawale i mau minuke no ka hoʻopau i ke kaʻina hana. No nāʻike hou aʻe, eʻike i nā mea e kali ai i ka wā e wehe ai i kahi pūnaeke pūnaewele ma ka pūnaewele
ʻO ka palekana o ka loaʻaʻana o kahi pūnaewele pūnaewele
Hoʻopalekana ka mālama pūnaewele. Loaʻa nā pilikia i kēlā me kēia manawa, akā, hiki iāʻoe ke mālama i kēlā mau pilikia.
- Palekanaʻoluʻolu: ua palekana ka weheʻana i ka moʻokāki pūnaewele inā lōʻihi kaʻike o kaʻike āu e hoʻolako ai ma nā pūnaewele hikiʻole. ʻO ka hapa nui o nā pūnaewele, nā pūnaewele pūnaewele, a me nā polokalamu e hoʻomaopopo i nā meaʻaihueʻole eʻike i nā mea a pau āu e hoʻouna ai (ua hoʻopunipuniʻia nā mea a pau a "scrambled" iʻole e hoʻohanaʻia e kekahi mea'ē aʻe). Manaʻoʻoeʻaʻole i hoʻokumuʻia kāu polokalamu - ua loaʻa iāʻoe nā'ōnaehana hana hou, nā polokalamu uila, nā polokalamu kele pūnaewele, a me nā ahi ahi - pono kāuʻikepili. Eia naʻe, e hoʻohana i ka kānalua i ka hoʻohanaʻana i ka Wi-Fi o ka lehulehu , a me ka hōʻoia i loaʻa iāʻoe nā polokalamu kīʻaha maoli ma kāu mau polokalamu kelepona (hiki ke hoʻohanaʻia nā loea jailbroken).
- I kēlā lā i kēia lā ,ʻoi aku ka palekana o nāʻauwai pūnaewele ma mua o nā kapi kuʻuna. ʻAʻole hiki ke nānā i ka'elepili e nalowale aiʻole iʻaihueʻia, a emiʻoleʻoe e hele a puni me kahi kālā. Akā, hiki paha iāʻoe ke hana i nā mea a pau, e like me ka hoʻoiliʻana i ke kālā , ka ukuʻana i nā bila , a me ka kūʻaiʻana me kahi kāleka debit (ʻikeʻole hikiʻole iāʻoe ke kūʻai a kūʻai i nā kālā kālā mai kahi waihona kālā - ponoʻoe i kahi kāleka heluʻai kālā pūʻulu ).
- He kūpono nā lawaiʻa Bank i ka wā , akā he meaʻole. E hōʻoia i kēlā me kēia pūnaewele āu e noʻonoʻo nei,ʻo FDIC ka mea i hoʻolimalimaʻia (aiʻole i uhiʻia e ka'oke NCUSIF inā he loina kālā ), a mālama i kāu mau waihona ma lalo o nā palena palena. ʻO ia ala, inā i hāʻule kāu panakō, e manaʻo waleʻoe e loaʻa wale i kahi pōʻino liʻiliʻi .