Informações bancárias

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Quando chegares primeiro nos Estados Unidos, Você pode não saber o que fazer com o seu dinheiro ou em quem confiar. Alguns recém-chegados têm medo de usar bancos. Você pode se sentir nervoso sobre dar o seu dinheiro a um estranho em um banco. Você pode nunca ter usado um banco antes e se perguntar sobre como abrir uma conta bancária. Esta página tem informações bancárias para ajudá-lo a entender o sistema dos EUA.

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.

Por que você precisa de uma conta bancária

Why you need a bank account

Manter grandes quantidades de dinheiro em seu repouso ou apartamento ou com você não é uma boa idéia porque pode começ roubado ou perdido. É melhor armazenar a maior parte do seu dinheiro em um banco ou União de crédito. Bancos e sindicatos de crédito nos Estados Unidos são seguros e protegidos, e milhões de americanos usam bancos.

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.

Uma vez que você começar a ganhar dinheiro, você deve abrir uma conta bancária. Torna mais fácil receber dinheiro do seu empregador. Ele também torna possível pagar as coisas através do correio ou on-line.

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.

Tipos de contas bancárias

Types of bank accounts

Você pode abrir uma conta de poupança ou uma conta corrente.

You can open a savings account or a checking account.

Verificando contas permitem que você depositar dinheiro e pagar suas contas. Uma vez que você está trabalhando, Você pode receber o seu salário como um depósito direto-isso significa que ele vai diretamente para sua conta corrente do empregador.

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.

Se você tem algumas economias, ou quer começar a guardar, Você pode abrir uma conta bancária separada. As contas de poupança ajudam-no a poupar dinheiro para o futuro. Você pode ganhar o interesse põr o dinheiro em uma conta de poupança. No entanto, a maioria das contas de poupança só permitem que você tire dinheiro da conta algumas vezes por mês.

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.

Abrindo uma conta bancária

Opening a bank account

Para abrir uma conta bancária, Você vai precisar de pelo menos uma pequena quantia de dinheiro. Para abrir uma conta bancária, Você deve mostrar duas formas de identificação (ID) para provar quem você é.

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.

Cheques e cartões de débito

Checks and debit cards

Depois de abrir a sua poupança ou conta corrente, Você pode receber um cartão de débito e cheques. Quando utiliza o seu cartão de débito, o dinheiro sai de sua conta bancária.

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.

Um cartão de débito é um cartão de plástico que você usa para obter dinheiro de um ATM (máquina de caixa automatizada), que é uma máquina que detém dinheiro. ATMS são geralmente fora de seu banco. Há muitos outros ATMS nas lojas e em outros lugares públicos, Mas o ATM não pertence a você banco, Você pode pagar uma taxa para obter dinheiro.

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.

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

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.

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.

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" programa.
Sample debit card from the Wells FargoHands on Banking” programa.
Sample Debit Card from the Wells Fargo "Hands on Banking" program.
Sample debit card from the Wells Fargo “Hands on Banking” program.

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.

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 fees

Banking fees

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.

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.

Managing your bank balance

Managing your bank balance

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 ou mais. Se você cometer um erro, 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.

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.

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

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" programa.
Sample Bank Statement from the Wells FargoHands on Banking” programa.
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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