Enfòmasyon labank

Angle touPa gen anglè

Lè ou fèk rive nan Etazini, ou ka pa konnen sa pou yo fè lajan nou achte oubyen ki è konfyans. Kèk newcomers pè pou sèvi ak bank yo. Ou ka santi yo pa t' ap lajan ou étranger yon nan yon bank. Ou ka fè pa janm sèvi ak yon bank devan yo ak sezisman sou kouman pou ouvri yon kont labank. 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.

Poukisa ou bezwen yon kont labank

Why you need a bank account

Kenbe nonplis gwo lajan nan lakay ou oswa nan apatman w oubyen ak ou se pa yon bon lide paske li kapab jwenn vòlè oswa ou ka pèdi. Li se pi bon pou boutik pi fò nan lajan nou nan yon bank oubyen kredi. Bank yo ak kredi nan Etazini yo sekirite epi san danje, e dè milyon de Ameriken yo sèvi ak bank yo.

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.

Yon sèl fwa ou konmanse fè lajan ou dwe ouvri yon kont labank. Li fè l' vin pi fasil pou resevwa lajan nan anplwayè. Li te anplis fè li posib pou peye pou sa pase nan pa lapòs oubyen 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.

Kalite kont nan bank

Types of bank accounts

Ou mèt louvri yon kont epay oubyen yon kont kouran.

You can open a savings account or a checking account.

Tyeking konte pèmèt pou depo lajan pou peye dèt ou w. Yon sèl fwa ou ap travay, ou ka resevwa chèk salè w kòm yon depo dirèk – sa vle di li pral tou dwat pou ou kont kouran nan travay la.

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.

Si ou gen kèk epay, ou vle pou yo kòmanse ekonomize, ou mèt louvri bagay apa yon kont labank. Kont epay ede ou ekonomize lajan pou tan kap vini an. Nou kapab fè lajan enterè pa mete lajan nan yon kont epay. Sepandan, kont epay pifò sèlman pèmèt ou pou pran lajan sou kont de twa fwa pa mwa.

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.

Louvri yon kont labank

Opening a bank account

Pou ouvri yon kont labank, w ap bezwen omwen yon ti kantite lajan ki. Pou ouvri yon kont labank, ou dwe montre fòm de idantifikasyon (DIDANTITE) pou bay prèv ki ou.

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.

Chèk sa yo e kat Debi

Checks and debit cards

Apre sa, ou louvri depay ou, ni kont kouran, ou ka resevwa yon kat Debi ak chèk. Lè ou sèvi ak kat Debi ou, lajan an pa rive l ' kont anbank ou.

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.

Yon kat Debi se yon kat plastik ke w itilize pou pran lajan nan yon machin ATM (automatique gichè), ki se yon machin sa a chaje kòb. Kote gen machin ATM yo dabitid deyò bank ou. Genyen anpil lòt kote gen machin ATM nan magazen yo ak lòt tout plas piblik, Men, ATM a pa fè pati pou ou labank, ou ka peye yon frè pou pran lajan.

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.

Ou ka tou sèvi ak ou kat Debi pou peye pou sa nan depo, online, ak telefòn. Mete bab li alatranp itilize kat Debi ou sou liy. aprann kijan pou sove sou liy komès.

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.

Pou kapab pwoteje ou idantite, ou fè pikèt kwòk AVÈ (nimewo idantifikasyon pèsonèl) pou itilize kat ou an. Ou antre ZEPENG ou chak fwa ou pran lajan sou machin ATM la oswa achte yon bagay. Si ou pèdi kat la, ni li pa jwenn vòlè, pa gen moun ka sèvi ak li amwen ke yo konnen gwo PENY.

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" pwogram.
Echantiyon kat Debi nan Fargo Wells a “Men sou bank” pwogram.
Sample Debit Card from the Wells Fargo "Hands on Banking" program.
Sample debit card from the Wells Fargo “Hands on Banking” program.

Chèk se fòmilè ou ranpli epi siyen pou peye pou sa. Tout moun ki resevwa chèk ou a dépôts li nan bank yo, e bank ou peye yo sou kont anbank ou. Ou ka sèvi ak chèk pou peye dèt, tankou ou lwaye ak peman pou sèvis piblik. Boutik lokal pou tou aksepte chèk ou si yo pa konnen ou.

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.

Services kòb pou

Banking fees

Si w chwazi yon kont epay oubyen yon kont kouran, mande si ou kalifye pou yon lib kont. Labank anplwaye yo ta dwe reponn kesyon ou epi sa ka fè ou konprann kouman bank yo ak kòb pou travay. Li se pi bon pou yo fè depo lajan (mete lajan nan bank lan) e fè tiraj lajan (pran lajan nan bank lan) pa chaje yon frè (depans). Pifò bank yo gen kèk fòm lib kont kouran, Se konsa, ou pa ta dwe bezwen peye yon frè (depans). Ou ka jwenn pi bon pousantaj nan yon kredi, ki yon kalite bank ki pou manm li yo.

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.

Gestion ou balans labank

Managing your bank balance

Yon sèl fwa ou gen yon kont labank, ou bezwen pran san li pou depanse ase lajan ak jan ou gen nan bank ou. Si ou ekri yon chèk men pa gen ase kòb pou a separe, chèk separe, y ap chaje w frè découvert yon moun $50 ou plis. Si nou fè yon erè, ou kapab eksplike pou la bank lan li te genyen yon Veritab mal konprann epi avec mande bank lan pou remboursement a frè (depans), epi yo ka oswa ka pa remboursement li.

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.

Pou evite erè, ou ka verifye konbe kòb ou genyen nan ekonomi, ni kont kouran nan bank lan, online, oswa nan yon machin ATM. Ou gen montan an te rele ou “labank balans.” Découvert kòb pou koute anpil lajan, Se poutèt sa ki gen bon konprann pa yon dòmi atansyon sou balans labank ou!

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" pwogram.
Rapò kont nan Bank echantiyon an pou moun soti nan Fargo Wells a “Men sou bank” pwogram.
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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