Taarifa ya benki

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Wakati wewe kwanza kuwasili nchini Marekani, huenda hawajui nini cha kufanya na pesa zako au ambao kuamini. Wageni wengine wanaogopa kutumia Benki. Unaweza kuhisi neva kuhusu kutoa fedha yako kwa mgeni katika benki. Unaweza kamwe kutumika benki kabla na ajabu kuhusu jinsi ya kufungua akaunti ya benki. Ukurasa huu una maelezo ya benki ili kukusaidia kuelewa mfumo wa Marekani.

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.

Kwa nini unahitaji akaunti ya benki

Why you need a bank account

Kuweka kikubwa cha fedha katika nyumba au ghorofa lako au na wewe si wazo zuri kwa sababu unaweza kupata kuibiwa au kupotea. Ni bora zaidi kuhifadhi zaidi ya pesa zako katika benki au SACCO. Benki na vyama vya mikopo nchini Marekani ni salama, na mamilioni ya Wamarekani kutumia Benki.

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.

Mara moja kuanza kutengeneza pesa unapaswa kufungua akaunti ya benki. Inafanya iwe rahisi zaidi kupokea fedha kutoka kwa mwajiri wako. Pia inafanya uwezekano wa kulipia vitu kupitia barua au mtandaoni.

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.

Aina ya akaunti za benki

Types of bank accounts

Unaweza kufungua akaunti ya akiba au akaunti ya Cheki.

You can open a savings account or a checking account.

Akaunti za Cheki Ruhusu uweke fedha na kulipa bili yako. Mara moja unafanya kazi, Unaweza kupokea anaweza wako kama amana moja kwa moja – hii ina maana ni kwenda moja kwa moja kwa akaunti yako ya Cheki kutoka kwa mwajiri.

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.

Kama una akiba baadhi, au unataka kuanza kuweka akiba, Unaweza kufungua akaunti tofauti ya benki. Akaunti za akiba kukusaidia kuokoa fedha kwa ajili ya siku zijazo. Unaweza kupata maslahi kwa kuweka fedha katika akaunti ya akiba. Hata hivyo, akaunti ya akiba ya wengi tu kuruhusu wewe kuchukua fedha kutoka akaunti ya mara chache kwa mwezi.

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.

Kufungua akaunti ya benki

Opening a bank account

Kufungua akaunti ya benki, unahitaji angalau kiasi kidogo cha fedha. Kufungua akaunti ya benki, lazima kuonyesha aina mbili ya utambulisho (KITAMBULISHO CHA) kuthibitisha wewe ni nani.

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.

Hundi na kadi za kulipia bidhaa

Checks and debit cards

Baada ya kufungua akaunti ya Cheki au akiba yako, uweze kupokea kadi ya mkopo na hundi. Wakati unatumia kadi yako ya mkopo, fedha hutokana na akaunti yako ya benki.

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.

Kadi ya mkopo ni kadi ya plastiki unaweza kutumia ili kupata fedha kutoka kwa mtambo wa ATM (mashine ya kutolea pesa), ambayo ni mashine kwamba ana pesa. ATM ni kawaida nje ya benki yako. Kuna ATM nyingi katika maduka na sehemu nyingine za umma, lakini ATM na siyo benki unaweza, inaweza kulipa ada ya kupata pesa.

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.

Unaweza pia kutumia kadi yako ya mkopo kulipia vitu katika maduka, mtandaoni, na kwa njia ya simu. Kuwa makini kutumia kadi yako online. kujifunza jinsi ya kuwa salama online ununuzi.

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.

Ili kulinda utambulisho wako, Unaweza kuwa na pini ya (Namba ya utambulishi binafsi) kutumia kadi yako. Unaweza Ingiza nambari yako ya siri kila wakati kuchukua fedha nje ya ATM au kununua kitu. Ukipoteza kadi au anapata kuibiwa, Hakuna kuitumia isipokuwa wanajua 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" programu.
Sampuli debit kadi kutoka Fargo visima “Mikono kwenye benki” programu.
Sample Debit Card from the Wells Fargo "Hands on Banking" program.
Sample debit card from the Wells Fargo “Hands on Banking” program.

Hundi ni fomu za kujaza na kusaini kulipa kwa ajili ya mambo. Mtu kupokea kuangalia yako amana katika benki zao, na benki yako kuwalipa kutoka akaunti yako. Unaweza kutumia hundi kulipa bili, kama vile kodi yako na huduma. Maduka ya ndani pia kukubali hundi yako ikiwa wanajua wewe.

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.

Ada ya benki

Banking fees

Kama utachagua akaunti ya hundi au akaunti ya Cheki, Uliza kama unaweza kustahili akaunti ya bure. Benki wafanyakazi wanapaswa kujibu maswali yako na inakusaidia kuelewa jinsi benki na ada kazi. Ni bora kuwa na uwezo wa uweke fedha (kuweka fedha katika Benki ya) na kuondoa hela (kuchukua fedha kutoka Benki ya) bila kushitakiwa ada. Wengi benki kuwa baadhi ya fomu ya akaunti ya bure ya Cheki, hivyo si lazima haja kulipa ada. Unaweza kupata viwango bora katika mikopo ya Muungano, ambayo ni aina ya benki inayomilikiwa na wanachama wake.

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.

Kusimamia benki yako usawa

Managing your bank balance

Mara una akaunti ya benki, unahitaji kuwa makini kutumia tu pesa nyingi kama una katika benki yako. Kama kuandika hundi lakini hawana fedha za kutosha kwa ajili ya ukaguzi wa, itakuwa kushtakiwa ada ya ikihusisha ya $50 au zaidi. Kama wewe kufanya kosa, Unaweza kuelezea kwa ya benki ilikuwa kutokuelewana halisi na tvingar kuuliza Benki ya washiriki ada ya, na inaweza au inaweza washiriki.

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.

Ili kuepuka makosa, Unaweza kuangalia kiasi cha fedha una akiba au Cheki akaunti katika Benki ya, mtandaoni, au kwa mtambo wa ATM. Kiasi una inaitwa yako “benki usawa.” Ikihusisha ada gharama fedha nyingi, hivyo ni busara kuweka uangalizi makini sana kwenye mizani yako ya benki!

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" programu.
Taarifa ya benki ya sampuli kutoka Fargo visima “Mikono kwenye benki” programu.
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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