ʻO ka hoʻonaʻauaoʻana i kekahi manawa he manawa kaʻawale
Kahi e loaʻa ai Free Checking
ʻElua ala e hiki ai ke nānā maʻamau i kēia mau lā:
- Eʻike i kahi kālā aʻaha kālā paha e hāʻawi nei i kahi pūnaewele kūʻokoʻa
- ʻO Qualify no ka hoʻoholo hapa
ʻOiaʻiʻo, # 1 lawe i ka liʻiliʻi loa o ka hana - ma hope o kāu weheʻana i kaʻike.
Akā,ʻo ka loaʻaʻana o nā moʻolelo pilikino he mea paʻakikī. Ma heaʻoe e kū nei i kahi kūpono e loaʻa ai kahi pūnaewele piliʻole? ʻO nā kāʻei pūnaewele , nā liʻiliʻi liʻiliʻi, a me nā uniona kālepa kāuʻoiʻoi akuʻoi loa.
E hoʻomanaʻo i ka "hoʻokuʻu" wale nō e pili ana i nā lawelawe maʻamau. Ināʻoe e hana i kekahi mau mea (noi aku i ka hoʻoiliʻana i ka hoʻoiliʻana , hoʻololi kālā , a pēlā aku) ponoʻoe e uku.
ʻO nā'aeke kūʻokoʻa kaʻoihana paʻakikī no ka nui o nāʻano pilikino -ʻaʻole wale i ka mākaʻiʻole. Hāʻawi lākou i nā uku paneʻe nui ma nā waihona kālā mālama, hoʻemi lākou i nā uku, a hiki paha iā lākou ke uku i ka ukupanee i ke kālā ma kāu heluʻai . Loaʻa i kekahi mau helu helu laina pūnaewele pūnaewele:
- ʻO ka PūnaeweleʻIke Pūnaeweleʻo Capital One 360 ( heluhelu i kahi hōʻike )
- ʻO kaʻike helu hōʻoiaʻo Ally Bank ( heluhelu i kahi hōʻike )
ʻO nā kālāʻelua i uku e uku panee i kāu mau waihona.
He mau hoʻokūkū kaona liʻiliʻi . ʻO kēia nāʻoihana kaiaulu e hāʻawi ana i nā haʻawina haʻahaʻa no ka loaʻaʻana o kaʻoihana o ke kaiāulu.
Eia kekahi, ua hoʻolālā lākou i kā lākou mauʻoihana i nāʻokoʻa kūʻokoʻa -ʻaʻole paha lākou e loaʻa i nā mea kūʻai'elepona e kōkua iā lākou e hana i ka papahana nui, akā uaʻae lākou i ke kūkuluʻana i kahi hoʻolālā e pili ana i nā kahawai waiwai i maloʻo no nāʻauwai nui . No ka huliʻana i kahi pēlā kūloko, e huli ma ka'āina a nānā i nā puke o ka moku'āina.
Kūkala pinepineʻo Banks i nā kūikawā.
ʻO nā uniona hōʻailona he mauʻoihana kūʻai kālepa e hoʻoili like ana i kahi kūlike me nā liʻiliʻi liʻiliʻi. Ma muli o ka loaʻaʻana o nā kuleana a pau o ka poʻe "kuleana" ma ke kāleka (e kū'ē i kahiʻoihana e makemake ana e hoʻonui i ka waiwai), loaʻa kahi kūpono e hiki ai iāʻoe ke loaʻa ka loaʻaʻole. Eia kekahi,ʻo nā uniona kālepa he hui hoʻokuʻu i kaʻauhauʻauhau, no laila uaʻoi iki kā lākou hana me. ʻO kahi pahuhopu iki wale no ka hanaʻana me kekahi loina kuhina he ponoʻoe e kūpono e hoʻohui i hoʻokahi; he maʻalahi ka maʻalahi (hiki iāʻoe ke kūpono ma ka wahi āu e noho ai, kahi āu e hana ai, a iʻole kekahiʻano'ē aʻe). E aʻo hou e pili ana i nā uniona kāleka .
ʻO ka hoʻokele wai kahi koho'ē aʻe. Ināʻaʻole hiki iāʻoe keʻike i kahi pūnaewele pūnaewele, kahi liʻiliʻi , aiʻole kaʻaha'ailā e kū ana i kāu mau pono, pono pahaʻoe e pili pono i kahi pēlā nui . ʻO ka hapa nui o nā kālā e hōʻole i nā uku o kēlā me kēia mahina (hoʻoliloʻia ia he waihona kālāʻole) inā e hālāwaiʻoe i kekahi mau koho. Hiki iāʻoe ke hoʻomaʻemaʻe wale i ka loaʻaʻana o kāu uku uku-waihoʻia i kāu moʻokāki. Hiki ke loaʻa kekahi mau hōʻole ināʻoe e mālama i ka pale nui i kāu moʻokāki a hoʻohana i nā huahana'ē aʻe mai kēlāʻaina ( e loaʻa ana i ka moraki aiʻole mālama i kahi pale nui i kahi waihona waihona e hana i ka hana).
Hōʻuluʻulu Mana Mana Mana
No ka hōʻoiaʻiʻo e loaʻa iāʻoe kahi maikaʻi ma kahi waihona keki kūʻokoʻa , E nānā a puni no kahiʻaeʻana me ka loaʻaʻole o kēia mau mea:
- ʻAʻohe uku uku
- Kākele ATM a me / a Debit paha
- ʻAʻohe uku no nāʻokoʻa ACH a me Direct Direct
- Loaʻa i kaʻike pūnaewele i kāu moʻokāki
- ʻO ka hōʻaikeʻana i ka malama āpauʻole
- ʻAʻohe helu helu palena nui
Nā hua maikaʻi
No ka mea maikaʻi loa i ka nānāʻana free, e nānā inā hiki iāʻoe ke loaʻa kahi hōkeoʻole e hāʻawi ana:
- Ma kahi liʻiliʻi hoʻokahi buke liʻiliʻi o nā māka (aiʻole nā leka hanaʻole no ke ola)
- Uku uku uku pāʻoihana pili
- Nā papa hana palekana (e nānā i nā koina, a me ka puka waho inā pono)
- ʻAʻohe kuleana e hoʻohana i nā ATM ma waho o ka pūnaewele ATM
- ʻO ka uku houʻana i nā kumukūʻai kumukūlā i hoʻoiliʻia iāʻoe e kekahi ATM'ē aʻe
Hoʻoponopono Kelepona
He mea nui eʻike i ka mea āu e loaʻaʻole ana i ka wā e hoʻohana aiʻoe i kahi pūkawele manuahi. ʻAʻole hiki i ka nānā pinepineʻana i ka uku i kāu kālā (koe wale no kekahi mau pūnaewele pūnaewele). ʻAʻole kēia he mea maʻamau ke nānā waleʻana -ʻaʻole e uku nui nā helu heluʻai.
Eia nō naʻe, hiki iāʻoe ke hoʻohui i kāu pūnaewele i kahi kaʻaʻoihana kiʻekiʻe e like me ka pūnaewele pūnaewele a loaʻa ka uku i ka kālā āu e hoʻohanaʻole nei.
Hiki iāʻoe keʻimi i nā'ekeiho kuhi kālā e uku i ka uku. ʻO ka uku hōʻai'ē kālā e uku aku ma mua o ka nui o nā waihona mālama kālā, akā, ua kaupalena kāu uku a me ka nui o nā hoops.
ʻO kekahi hana āu eʻike ai,ʻo ia ka hiki ke nānā i kāu mau mākia ma hope o ka ukuʻana. Makemake kekahi poʻe eʻike i kahi kope o ka helu maoli a me ka inoa o ka payee. ʻAʻole ke hāʻawi pinepineʻia ka nānāʻana i kēia, me ka loaʻaʻana o nā pūnaewele loaʻaʻole i nā kiʻi ma ka pūnaewele. ʻO koʻu manaʻoʻaʻoleʻoe e pono, no ka pilina pilikino. He nui nā ala e hahai ai i nā uku - a hiki iāʻoe ke hoʻonohonoho pono i kope mai kahi pūkewele manuahi inā loaʻa kahi haki āu e makemake ai e hahai.
I ka hopena, ke hāʻawi neiʻoe i nā poho e like me nā Kuleana Kuleana kūʻokoʻa a me ka hoʻihoʻiʻana i ka hoʻihoʻiʻana iāʻoe no kaʻikeʻana i ke kānana. Ma muli o ka hoʻohanaʻoleʻana i kēia mau lawelawe,ʻaʻole au e manaʻo ua nuiʻoe i ka nui. Eia nō naʻe, ināʻokoʻa kou kūlana, hiki paha iāʻoe ke kūʻai aku a puni.
Inā mālamaʻoe i kahi kaulike liʻiliʻi i kāu helu kākika, e uku paha nā waihona helu hōʻemi ma lalo o kahi pūʻulu me nā lawelawe kālā. Inā ponoʻoe e hoʻohana i kēlā mau lawelawe, e uku i ke kumukuai liʻiliʻi i loko o ke kapi keka.
He aha inā makemakeʻoe e hoʻohana i kāu moʻokāki no nāʻoihanaʻoihana? He mea maikaʻi loa e wehe i ka helu ma ka inoa o kāuʻoihana, akā,ʻoi aku ka paʻakikī o kaʻikeʻana. Eia hou, he wahi maikaʻi nā keʻena liʻiliʻi e nānā ai, a hiki iāʻoe ke nānā i kā mākouʻaoʻao ma ka hoʻolālā kūʻokoʻa nele no kekahi mau manaʻo.
No ke aha e pili ai i nā hana palekana
Kūleʻaʻole nā Bane no ka hoʻomaʻamaʻaʻana i keʻano he ala e puhi ai i ka hana hou. Ināʻoe e hele i kahi lālā a noi e wehe i kahi pūkawele mālamaʻole, eʻoliʻoli lākou e kōkua iāʻoe. Eia naʻe, e ho'āʻo lākou e kiʻi i nā waiwai a me nāʻoihana'ē aʻe mai iāʻoe.
Loaʻa ka loaʻaʻana o nā mea kūʻai ma ka puka. No laila,ʻaʻoleʻoe e kahaha no ka loaʻaʻana o kāu kaukani kūʻai lokomaikaʻi i ka wā e wehe neiʻoe i kāu pūnaewele loaʻaʻole.