Marka ugu horaysa ee aad timaado ee dalka Mareykanka, dhici karta inaadan garanayn waxa la sameeyo oo aad lacag ama cidda aad ku kalsoon tahay. Dadka cusub qaarkood waxay ka cabsadaan in ay isticmaalaan bangiyada. Waxaa laga yaabaa inaad dareentid welwel ku saabsan lacagtaada siinta qariib ah bangiga. ayaa laga yaabaa in aad marnaba isticmaali bangi ka hor iyo ka yaabi ku saabsan sida loo furan lahaa xisaab bangi. Boggan waxaa ku qoran macluumaad ku bangiga in aad fahamto nidaamka Maraykanka.
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.
Waa maxay sababta aad u baahan tahay xisaab bangi
Why you need a bank account
ILAALI xaddi weyn oo lacag ah ee aad gurigaaga ama guri ama aad la ma aha fikrad fiican sababta oo ah waxay heli karaan la xaday ama lumay. Waxaa fiican inaad ku kaydiso lacagtaada inteeda badan aad bangiga ama credit union a. Bangiyada iyo ururada deynta oo dalka Mareykanka ah waa nabad iyo xasilooni, iyo malaayiin Maraykan isticmaali bangiyada.
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.
Marka aad bilowdo in lacag samaynta waa in aad furatid xisaab bangi. Waxay ka dhigaysa in ay u fududahay in ay lacag ka hesho cidda aad u shaqayso. Waxaa sidoo kale waxay suuro gelineysaa in uu bixiyo wax boostada ama 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.
Noocyada xisaabaha bangiga
Types of bank accounts
Waxaad ka furan kartaa koonto kayd ah ama xisaab hubinta.
You can open a savings account or a checking account.
xisaabaadka Hubinta u oggolaadaan in aad lacag ku bixiyo biilasha. Marka aad shaqaynayso, waxaad heli kartaa jeegaaga sida deebaajiga toos ah - taasi ka dhigan tahay in si toos ah xisaabtaada hubinta tegi doonaa ka shaqeeyaha.
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.
Haddii aad leedahay kayd qaar ka mid ah, ama aad rabto inaad bilowdo kaydsi, aad furan kartaa xisaab bangi oo kala duwan. xisaabaadka Savings kaa caawiyo sidii aad lacag u dhigato mustaqbalka. Waxaad ka kasban kartaa xiiso by lacag gelinaya ku shubato xisaabta keydka ah. Si kastaba ha ahaatee, ugu xisaabaadka kaydka kaliya u oggolaadaan in aad lacag ka mid ah xisaabta qaado dhawr jeer bishii.
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.
Furo xisaabaadka bangiga
Opening a bank account
Si aad u furatid xisaab bangi, waxaad u baahan doontaa ugu yaraan qadar yar oo ah lacag. Si aad u furatid xisaab bangi, waa inaad muujisaa laba nooc oo ah aqoonsi (ID) si ay u caddeeyaan qofka aad tahay.
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.
Jeegaga iyo kaararka debit
Checks and debit cards
Ka dib marka aad kaydka ama aad account hubinta furo, laga yaabaa in aad hesho kaadhka debit ah iyo jeegaga. Marka aad isticmaasho kaarkaaga debit, lacagta soo baxa xisaabtaada bangiga.
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.
kaarka debit A waa kaar caag ah oo aad isticmaasho si aad u hesho lacag kaash ah ka soo ATM (Mashiinka lagala baxo iswada), taas oo ah mashiinka a in uu haystaa lacag. ATM sida caadiga ah ka baxsan bangigaaga. Waxaa jira ATM kale oo badan dukaamada iyo goobaha kale ee dadweynaha, laakiin ATM uusan ka tirsan tahay aad bangiga, waxaad ku bixin kartaa lacag caddaan ah si aad u hesho.
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.
Waxaad kaloo isticmaali kartaa kaadhka debit si aad u bixiso wax dukaamada, online, iyo telefoonka. Ka taxaddar isticmaalaya kaarka bangiga online. bartaan sida loo noqon ammaan adeeganayso internetka.
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.
Si loo ilaaliyo aqoonsiga, aad leedahay si ay leeyihiin PIN a (lambarka aqoonsiga shakhsiyeed) si ay u isticmaalaan kaarkaaga. Waxaad geli PIN mar kasta oo aad ka soo ATM qaadan lacag ama wax iibsadaan. Haddii aad lumiso kaarkaaga ama waxa uu soo xaday, qofna u isticmaali kartaa haddii aysan ogaan 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.
Checks jira noocyo aad ku buuxiso oo aad u saxiixdo in uu bixiyo wax. Qofka qaata aad u kayd jeeg ay bangiga, iyo bangiga iyaga bixiyo ka mid ah xisaabtaada. Waxaad isticmaali kartaa jeegag aad ku bixiso biilalka, sida kirada iyo biilasha. dukaamo Local sidoo kale laga yaabaa in ay aqbalaan jeeg haddii ay aad u ogaato.
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.
aad Haddii dooran shubato xisaabta keydka ah ama xisaab hubinta, weydiiso in aad xaq u account lacag la'aan ah. shaqaalaha Bank waa ka jawaabaan su'aalahaaga iyo caawiyaan in aad fahanto sida bangiyada iyo lacagta shaqo. Waxaa ka wanaagsan in ay awoodaan in ay lacag (lacag bangiga) iyo lacag ula soo baxdo (lacag bixin bangiga) iyadoon lagu dalicin lacag. bankiyada badankoodu waxay leeyihiin nooc ka mid ah account jeegga lacag la'aan ah, sidaa darteed ma aha in aad u baahan tahay in aad bixiso fii. Waxaad ka heli kartaa heerka fiican credit union a, taas oo ah nooc ka mid ah bangiga iska leh xubnaheeda,.
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.
Maareynta aad dheelitirka bangi
Managing your bank balance
Marka aad leedahay xisaab bangi, aad u baahan tahay inaad ka taxadartaa in ay qaataan lacagta oo kaliya sida ugu badan ee aad qabto in aad bangi. Haddii aad qorto jeeg laakiin aadan haysan lacag ku filan oo jeegga, lagaa qaadi doonaa lacag eheen ah $50 ama ka badan. Haddii aad khalad samayso, waxaad ku sheegi kartaa in bangiga waxay ahayd is fahan dhab ah iyo edeb leh weydiin bangiga in ay soo celin lacagta, oo waxay ama aan u soo celin laga yaabaa in laga yaabaa in.
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.
Si looga fogaado khaladaadka, waxaad eegi kartaa inta lacag ee aad qabto oo kayd ah ama xisaab hubinta ee bangiga, online, ama ATM. Inta aad leedahay waxaa lagu magacaabaa aad “dheelitirka bangi.” ujrada deynta furan ku kacaysaa lacag badan, sidaas awgeed waa caqli leh inuu soo jeedo aad u taxaddar on your dheelitirka bangi!
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!