Iifoto nguGetty ImagesAkusiyo imfihlo ukuba iibhanki zinendlela ezininzi zokwenza ukuba imali yakho inyamalale, ukusuka kwi-35 yeedolaImirhumo engaphaya kweedraftingaphandle kwenethiwekhiImirhumo yeATM. Kodwa khawufane ucinge ngendlela endothuke ngayo ndakugqiba ndabona ukuba, emva kwemijikelezo emithathu yamatyala ehlobo ephelileyo, ukuba ndibizwa imali eyi- $ 12 yenyanga kwi-akhawunti yam yokujonga i-Bank of America Advantage Plus Banking- iakhawunti endandinayo ukusukela oko ndandiqala ikholeji kwiminyaka emihlanu edlulileyo ngo-2014 , ngaphandle kokuhlawuliswa le ntlawulo yenkonzo ngaphambili.
Ingangabonakali ngathi ininzi kukubaleka okufutshane, kodwa imali eyi-12 yeedola yenyanga inokwenza umahluko omkhulu, ngakumbi kuba uninzi lokujonga iiakhawunti kuhlawula kancinci ngaphandle kwenzala. Imirhumo yesondlo iyodwa ixabisa amaMelika ubuncinci $ 3.5 yezigidigidi ngo-2017. Bakhaba kuzo zonke iintlobo zezizathu, kubandakanywa ukuba ibhalansi yakho iwela ngaphantsi kwinqanaba elithile, awunayo idiphozithi ngqo, ungasebenzisi ikhadi lakho lokutsala ngokwaneleyo, okanye awungomfundi. Umzekelo, umrhumo wenyanga we- Chase iBhanki iyonke iAkhawunti yokuKhangela yi- $ 12, kwaye unokuyiphepha kuphela xa unemali esezantsi ye- $ 1,500 ngawo onke amaxesha, ibhalansi yomndilili okungenani ye- $ 5,000, okanye idipozithi ethe ngqo yenyanga eyi- $ 500 okanye nangaphezulu.
Ukuhlawula umrhumo wenyanga wesondlo kwiakhawunti yakho yokujonga kukususa imali. Ifoto ngu-Getty Izithombe
Ukuba ufreelancerngengeniso engalinganiyo okanye nje ungathandi ukugcina iqela lemali kwiinzala yeakhawunti, kukho ithuba elihle lokuba awuyi kudibana nezo buncinci. Ngokwam andiyenzi iapos; ndide ndigcine ukuya kuthi ga kwi-1,500 ye-akhawunti kwi-akhawunti yam inyanga yonke, utshilo u-Erin Lowry, ingcali yezezimali kunye nombhali Ukuqhekeza iMillennial Takes kutyalo mali . Kumndilili wesihlanu ukuya kwesihlanu umsebenzi isenokungabi yingxaki, kodwa baninzi abantu abazimeleyo okanye abaziqeshileyo abangenakuqinisekisa ukuba banokuhlala benesixa esincinci okanye banedipozithi ngqo.
Ngaphandle kwendlela ekulula ngayo ukuhlawuliswa ezi mali, uninzi lwabantu alwazi ukuba lulahlekelwa yimali rhoqo ngenyanga ngale ndlela. Iibhanki ziyazi ukuba wakuba nje ubhalisile ukwenza ushishino nazo, amathuba okuba utshintshe iibhanki asezantsi kakhulu, utshilo uDan Schawbel, umseki wenkampani yokubonisana iMillennial Branding.
Kodwa yile nto kanye ekufuneka uyenzile. Ngokutshintsha iibhanki wena kunye neapos ngokuzenzekelayo sibuyisela imali kuhlahlo-lwabiwo mali, utsho uLowry. Yindlela elula ngokwenene yokukhulula iidola ezili-12 onokuzibeka ngokulula kulondolozo.
Nazi iibhanki ezili-10 ezingaze zibize iifizi zenyanga zokugcinwa kunye ne-10 ezenzayo:
Iibhanki ezili-10 ezingaze zibize imali yesondlo yanyanga zonke
Zininziimibutho yamatyalakwakhona ungabizi iifizi zesondlo, kodwa nazi ezinye iibhanki zesiko ezingazenziyo:
IAlly Bank
I-Axis Bank
I-Bank5 Qhagamshela i-Akhawunti yokujonga inzala ephezulu
Inkulumbuso yeBhanki enye engu-360
ICharles Schwab Bank
Ukuchithwa kweAkhawunti yeChime
Ukuqala kokuKhangela kwiBhanki ye-Intanethi
FNBO ngqo
IBhanki Ezimeleyo
Elula
Iibhanki ezili-10 ezibiza iifizi ngenyanga
Ngelixa zihlala zikhona iindlela ezijikeleza ezi ntlawulo ngaphandle kokutshintshela kwenye ibhanki, nantsi ingakanani imali ekufuneka uyikhuphile inyanga nenyanga ukuba awuzifezekisi ezi mfuno:
Ibhanki yaseMelika $ 5 ukuya kwi-25
Ibhanki eQhelekileyo ye-BB & T $ 5 ukuya kwi-30
Sukela $ 6 ukuya kwi-25
Itanki $ 10 ukuya kwi-30
Ibhanki ye-HSBC yase-USA : $ 3 ukuya kwi-50
I-PNC yeBhanki $ 7 ukuya kwi-25
I-SunTrust Bank $ 7 ukuya kwi-100
I-TD yeBhanki $ 6 ukuya kwi-25
Ibhanki yaseMelika $ 5 ukuya kwi-25
Wells Fargo usetyenziso lweWindows kwi- Ivenkile yeWindows $ 10 ukuya kwi-30
Landela uFunto Omojola on Twitter .