Informacije o banci

Takođe na engleskomNe zna engleski

Kada si prvi put stigao u Sjedinjenim Državama, Možda ne znate šta da radim sa svojim novcem ili kome da veruje. Neke nove članice su se bojali da koristite banaka. Ti možda nervozan u vezi daje novac za stranca u banci. Vi nikad niste koristili banku pre i pitam se o tome kako da otvorite račun u banci. Ova stranica ima informacije o banci da vam pomogne da shvatite AMERIČKI sistem.

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 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.

Zašto ti treba račun u banci

Why you need a bank account

Drћi velike količine novca u vašoj kući ili stanu, ili s tobom nije dobra ideja jer može biti ukraden ili izgubio. Bolje je da uskladištite većina svoj novac u banku ili kreditnu Uniju. Banaka i kreditnih Unija u Sjedinjenim Državama su sigurni i osigurani, a milioni Amerikanaca koristite banaka.

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.

Jednom napravite bilo novca, trebalo bi da otvorite račun u banci. To olakšava dobijale novac od vašeg poslodavca. To takođe omogućava da placam poštom ili na mreži.

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.

Tipovi računa u banci

Types of bank accounts

Možete da otvorite štednji ili tekući račun.

You can open a savings account or a checking account.

Tekuće račune vam omogućavaju da uplatite novac i plaćaju svoje račune. Jednom kada ste isključeni, možete da primate platu kao direktni depozit – to znači da je to direktno ćete otići na vaš tekući račun od poslodavca.

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.

Ako imate neku ušteđevinu, ili želite da-počnite sa spašavanjem, možete otvoriti poseban račun u banci. Štednim pomoći da sačuvate novac za budućnost. Može da donosi kamatu stavljajući novac na štednji. Međutim, Većina štednim dopuštaju da uzmem novac iz računa nekoliko puta mesečno.

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.

Otvaranje bankovnih računa

Opening a bank account

Da biste otvorili račun u banci, biće potrebno barem malu količinu novca. Da biste otvorili račun u banci, Mora da pokaže dva oblika identifikacije (ID) dokazati ko si ti.

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.

Čekove i debitne kartice

Checks and debit cards

Nakon što otvorite svoje štedne uloge ili tekući račun, Možda ćete dobiti debitnu karticu i čekove. Kada koristite vaše debitne kartice, novac dolazi iz vašeg bankovnog računa.

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.

Debitna kartica je plastična kartica koristite da biste dobili novac iz Bankomata (Automated teller mašina), što je stroj koji nosi novac. Bankomati su obično ispred tvoje banke. Postoje mnoge druge Bankomata u skladištima i drugim javnim mestima, Ali bankomat ne pripada te banke, Možda plati naknadu po novac do bankomata.

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.

Takođe možete koristiti vaše debitne kartice da platim za stvari u prodavnicama, na mreži, i preko telefona. Budite oprezni na mreži pomoću vaše debitne kartice. Saznajte kako da budemo sigurni online-kupovina.

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.

Da bi se zaštitio vaš identitet, Morate imati PIN (lični identifikacioni broj) Korišćenje kartice. Unesite PIN svaki put kad ti uzeti novac iz Bankomata, ili kupite nešto. Ako izgubite karticu ili ukradene, Niko ne možete ga koristiti ako ne znaju 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" Program.
Uzorak debitna kartica iz Wells Fargo. “Ruke na bankarstvo” Program.
Sample Debit Card from the Wells Fargo "Hands on Banking" program.
Sample debit card from the Wells Fargo “Hands on Banking” program.

Čekovi su forme te popuniti i potpisati da platim za stvari. Primalac tvoj ček poloћi ih u svojoj banci., i tvoja banka plaća ih sa svog racuna. Čekove možete koristiti da plati račune, kao što je tvoja kiriju i komunalne usluge. Lokalnim radnjama takođe može da prihvati tvoje čekove ako znaju da si.

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.

Bankarske provizije

Banking fees

Da li ste izabrali štednji ili tekući račun, Pitaj da li ispunjavate li uvjete za besplatan nalog. Zaposlenima banke treba da odgovori na pitanja i pomoći da razumete kako se rade banke i naknade. Bolje je da bude u mogućnosti da uplatite novac (Stavi novac u banku) i podizanje novca (uzeo novac iz banke) bez podizanja optužnice naknadu. Mnoge banke imaju neki oblik slobodnog tekući račun, Tako da ne bi trebalo da platite naknadu. Može li bolje stope u u kreditnu Uniju, koja je vrsta banke u vlasništvu njenih članova.

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.

Upravljanje tvoj saldo u banci

Managing your bank balance

Jednom kada imate račun u banci, Morate biti oprezni da provede samo onoliko novca koliko imate u banci. Ako napišem ček, ali nemaju dovoljno novca za provjeru, vam biti naplaćena naknada za prekoračenje od $50 ili više. Ako napravite grešku, Mogu objasniti u banci to je bio nesporazum originalan i zamoli u banci na refundaciju naknada, i oni možda, ili možda ne da to povraćaj.

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.

Da biste izbegli greške, možete proveriti koliko novca imate u štednju ili tekući račun u banci, na mreži, ili na Bankomatu. Zove se iznos imate svoje “stanje na racunu.” Dozvoljeno prekoračenje naknada koštati puno novca, Tako da je mudro da ih jako oprezan na tvoj bankovni saldo!

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" Program.
Uzorak frikova iz Wells Fargo. “Ruke na bankarstvo” Program.
Sample Bank Statement from the Wells Fargo "Hands on Banking" program.
Sample Bank Statement from the Wells Fargo “Hands on Banking” program.

uči više

Learn more

Da li vam ova stranica pomoći? Smajli Da Mrљtenje lice ne
Hvala vam za vaše povratne informacije!