Bank ntaub ntawv

English kujTsis English

Thaum koj nyuam qhuav tuaj txog nyob rau hauv lub tebchaws United States, tej zaum koj yuav tsis paub yuav ua li cas nrog koj cov nyiaj los yog leej twg mus ntseeg. Ib txhia cov tuaj tshiab yog ntshai siv lub tsev txhab nyiaj. Tej zaum koj yuav xav tias ntshai txog muab koj cov nyiaj mus rau ib tug Hmoob ntawm ib lub bank. Tej zaum koj yuav tau tsis txhob siv ib lub txhab nyiaj ua ntej thiab xav txog yuav ua li cas mus qhib ib tug bank account. This page has bank information to help you understand the US system.

When you first arrive in the United States, you may not know what to do with your money or who to trust. Some newcomers are afraid to use banks. You may feel nervous about giving your money to a stranger at a bank. You may have never used a bank before and wonder about how to open a bank account. This page has bank information to help you understand the US system.

It is important to understand basic bank information in the US like how to use an ATM., Photo by CG Hughes, CC.

It is important to understand basic bank information in the US like how to use an ATM., Photo by CG Hughes, CC.

Vim li cas koj xav tau ib tug bank account

Why you need a bank account

Khaws loj nyiaj ntawm cov nyiaj nyob rau hauv koj lub tsev los yog chav tsev los yog nrog koj tsis yog ib tug lub tswv yim zoo vim hais tias nws yuav tau raug nyiag lawm los yog poob lawm. Nws yog zoo dua khaws cov feem ntau ntawm koj cov nyiaj nyob rau hauv ib lub txhab nyiaj los yog credit union. Tsev txhab nyiaj thiab cov tsev koom nyiaj nyob rau hauv lub tebchaws United States muaj kev ruaj ntseg thiab ruaj ntseg, thiab lab ntawm cov neeg Asmeskas siv lub tsev txhab nyiaj.

Keeping large amounts of money in your home or apartment or with you is not a good idea because it can get stolen or lost. It is better to store most of your money in a bank or credit union. Banks and credit unions in the United States are safe and secure, and millions of Americans use banks.

Thaum koj pib ua cov nyiaj uas koj yuav tsum qhib ib lub bank account. Nws ua rau nws yooj yim dua tau txais nyiaj los ntawm koj chaw ua hauj lwm. Nws kuj ua rau nws tau them rau tej yam uas los ntawm lub mail los yog online.

Once you start making money you should open a bank account. It makes it easier to receive money from your employer. It also makes it possible to pay for things through the mail or online.

Hom ntawm bank accounts

Types of bank accounts

Koj muaj peev xwm qhib ib lub txhab nyiaj los yog ib tug xyuas account.

You can open a savings account or a checking account.

Checking accounts cia koj mus tso nyiaj thiab them koj cov nqi. Thaum koj ua hauj lwm, koj yuav tau txais koj daim tshev raws li ib tug ncaj qha - qhov no txhais tau tias nws yuav mus ncaj qha rau koj xyuas account ntawm lub chaw ua hauj lwm.

Checking accounts allow you to deposit money and pay your bills. Once you are working, you can receive your paycheck as a direct deposit – this means it will go directly to your checking account from the employer.

Yog hais tias koj muaj ib co savings, los yog xav kom pib txuag, koj yuav qhib ib daim bank account. Cov txhab nyiaj yuav pab tau koj txuag tau nyiaj rau lub neej yav tom ntej. Koj muaj peev xwm khwv tau txaus siab los ntawm muab nyiaj nyob rau hauv ib lub txhab nyiaj. Txawm li cas los, feem ntau savings accounts tsuas pub koj mus coj cov nyiaj tawm ntawm lub account ib tug ob peb lub sij hawm rau ib lub hli.

If you have some savings, or want to start saving, you can open a separate bank account. Savings accounts help you save money for the future. You can earn interest by putting money in a savings account. However, most savings accounts only allow you to take money out of the account a few times per month.

Qhib ib tug bank account

Opening a bank account

Yog xav qhib ib lub txhab nyiaj account, koj yuav tsum tau yam tsawg ib tug me me npaum li cas ntawm cov nyiaj. Yog xav qhib ib lub txhab nyiaj account, koj yuav tsum tau qhia ob hom ntawm kev qhia kom paub (ID) ua pov thawj uas koj muaj.

To open a bank account, you will need at least a small amount of money. To open a bank account, you must show two forms of identification (ID) to prove who you are.

Cov tshev mis thiab debit cards

Checks and debit cards

Tom qab koj qhib koj cov nyiaj khaws tseg los yog xyuas account, tej zaum koj yuav tau txais ib daim debit card thiab cov tshev mis. Thaum koj siv koj daim debit card, cov nyiaj tawm ntawm koj tus bank account.

After you open your savings or checking account, you may receive a debit card and checks. When you use your debit card, the money comes out of your bank account.

Daim card yog ib lub hnab yas card koj siv tau kom tau nyiaj ntsuab tawm ntawm lub tshuab ATM (caw kaw lus teller tshuab), uas yog ib lub tshuab uas tuas nyiaj. Atms yog feem ntau nyob sab nraum koj lub tsev txhab nyiaj. Muaj ntau ntau lwm yam Atms nyob rau hauv khw muag khoom noj thiab lwm yam rau pej xeem qhov chaw, tab sis lub ATM tsis yog rau koj lub txhab nyiaj, tej zaum koj yuav tau them ib tug nqi kom tau nyiaj ntsuab.

A debit card is a plastic card you use to get cash out of an ATM (automated teller machine), which is a machine that holds money. ATMS are usually outside your bank. There are many other ATMS in stores and other public places, but the ATM does not belong to you bank, you may pay a fee to get cash.

Koj kuj siv tau koj daim debit card them rau tej yam uas nyob rau hauv khw muag khoom noj, online, thiab hauv xov tooj. Ua tib zoo siv koj daim debit card hauv internet. kawm tau li cas yuav tsum tau muaj kev ruaj ntseg kav khw hauv internet.

You can also use your debit card to pay for things in stores, online, and over the phone. Be careful using your debit card online. learn how to be safe shopping online.

Nyob rau hauv thiaj li yuav tiv thaiv koj tus kheej, koj yuav tsum muaj ib tug PIN (tus lej ID) siv koj daim card. Koj nkag mus rau koj tus PIN txhua txhua lub sij hawm koj coj nyiaj tawm ntawm lub ATM los yog yuav ib yam dab tsi. Yog hais tias koj poob rau hauv daim ntawv los yog nws tau raug nyiag lawm, tsis muaj leej twg muaj peev xwm siv nws tshwj tsis yog tias lawv paub tus PIN.

In order to protect your identity, you have to have a PIN (personal identification number) to use your card. You enter your PIN every time you take money out of the ATM or buy something. If you lose the card or it gets stolen, nobody can use it unless they know the PIN.

Sample Debit Card from the Wells Fargo "Hands on Banking" kev pab cuam.
Qauv debit card los ntawm lub Wells Fargo “Tes rau Banking” kev pab cuam.
Sample Debit Card from the Wells Fargo "Hands on Banking" program.
Sample debit card from the Wells Fargo “Hands on Banking” program.

Cov tshev mis yog ntaub ntawv uas koj sau nyob rau hauv thiab kos npe rau los them rau tej yam uas. Cov neeg uas tau txais koj daim tshev nyiaj nws nyob rau hauv lawv cov bank, thiab koj lub tsev txhab nyiaj yuav them lawv tawm ntawm koj tus account. Koj siv tau nyiaj tawm los them cov nqi kho mob, xws li koj tus nqi xauj tsev thiab nqi khoom siv. Local khw kuj txais koj cov tshev mis yog hais tias lawv paub tias koj.

Checks are forms you fill in and sign to pay for things. The person receiving your check deposits it in their bank, and your bank pays them out of your account. You can use checks to pay bills, such as your rent and utilities. Local shops may also accept your checks if they know you.

Banking nqi

Banking fees

Seb koj xaiv ib lub txhab nyiaj los yog ib tug xyuas account, nug seb koj tsim nyog rau ib tug dawb account. Bank neeg ua hauj lwm yuav tsum teb koj cov lus nug thiab pab koj to taub yuav ua li cas ntug dej thiab lwm cov nqi ua hauj lwm. Nws yog zoo dua yuav tsum tau tso nyiaj (tso nyiaj rau lub txhab nyiaj) thiab rho nyiaj tawm tau (coj cov nyiaj tawm ntawm lub tuam txhab) tsis tau them ib tug nqi. Feem ntau cov tsev txhab nyiaj muaj ib co daim ntawv ntawm free checking account, li ntawd, koj yuav tsum tsis txhob yuav tsum tau them ib tug nqi. Tej zaum koj yuav tau txais zoo dua nyob rau ntawm ib credit union, uas yog ib yam ntawm cov sij hawm thaum uas los ntawm nws cov tswv cuab.

Whether you choose a savings account or a checking account, ask whether you qualify for a free account. Bank employees should answer your questions and help you understand how banks and fees work. It is better to be able to deposit money (put money in the bank) and withdraw money (take money out of the bank) without being charged a fee. Most banks have some form of free checking account, so you should not need to pay a fee. You may get better rates at a credit union, which is a type of bank owned by its members.

Tswj koj lub txhab nyiaj

Managing your bank balance

Thaum koj muaj ib tug bank account, koj yuav tsum tau ceev faj kom siv tsuas yog raws li nyiaj ntau npaum li koj muaj nyob rau hauv koj lub txhab nyiaj. Yog hais tias koj sau ib daim tshev, tiam sis tsis muaj nyiaj txaus rau ntawm daim tshev, koj yuav tau them ib tug overdraft nqi ntawm $50 los yog ntau tshaj. Yog hais tias koj ua yuam kev, koj yuav tau qhia rau lub bank nws yog ib txoj kev tsis to taub thiab ua tib zoo thov lub bank rau refund tus nqi, thiab lawv yuav yog los kuj tsis refund nws.

Once you have a bank account, you need to be careful to spend only as much money as you have in your bank. If you write a check but do not have enough money for the check, you will be charged an overdraft fee of $50 or more. If you make a mistake, you can explain to the the bank it was a genuine misunderstanding and politely ask the bank to refund the fee, and they may or may not refund it.

Kom tsis txhob yuam kev, koj muaj peev xwm mus saib ntau npaum li cas cov nyiaj uas koj muaj nyob rau hauv cov nyiaj khaws tseg los yog xyuas account ntawm lub tsev txhab nyiaj, online, los yog nyob rau ntawm ib ATM. Tus nqi koj muaj no yog hu ua koj tus “lub txhab nyiaj.” Overdraft nqi nqi ntau heev ntawm nyiaj, li ntawd nws yog paub qab hau kom ib tug tau ceev faj heev saib rau koj lub txhab nyiaj!

To avoid mistakes, you can check how much money you have in savings or checking account at the bank, online, or at an ATM. The amount you have is called your “bank balance.” Overdraft fees cost a lot of money, so it is wise to keep a very careful watch on your bank balance!

Sample Bank Statement from the Wells Fargo "Hands on Banking" kev pab cuam.
Qauv Bank Statement los ntawm lub Wells Fargo “Tes rau Banking” kev pab cuam.
Sample Bank Statement from the Wells Fargo "Hands on Banking" program.
Sample Bank Statement from the Wells Fargo “Hands on Banking” program.

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