Bank ng impormasyon

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Kapag kayo ay unang dumating sa Estados Unidos, maaaring hindi mo alam kung ano ang gagawin sa iyong pera o kung sino upang magtiwala. Some newcomers are afraid to use banks. Maaari mong pakiramdam ng nerbiyos tungkol sa pagbibigay ng iyong pera sa isang taong hindi kilala sa isang bangko. Maaring ikaw ay hindi kailanman ginamit ng isang bangko bago at magtaka tungkol sa kung paano upang buksan ang isang bank account. 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.

Bakit kailangan mo ng isang account sa bangko

Why you need a bank account

Pagpapanatiling ng malaking halaga ng pera sa iyong bahay o apartment o sa iyo ay hindi isang magandang ideya dahil maaari itong makakuha ng ninakaw o nawala. Ito ay mas mahusay na upang mag-imbak karamihan ng iyong pera sa bangko o credit union. Bangko at credit union sa Estados Unidos ay ligtas at secure, at milyun-milyong Amerikano na gamitin ang mga bangko.

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.

Sa sandaling simulan mo kumita ng pera dapat mong buksan ang isang bank account. Ito ay ginagawang mas madali upang makatanggap ng pera mula sa iyong employer. Ito rin ay ginagawang posible upang bayaran para sa mga bagay sa pamamagitan ng koreo o 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.

Mga uri ng mga account sa bangko

Types of bank accounts

Maaari kang magbukas ng savings account o isang checking account.

You can open a savings account or a checking account.

Sinusuri ang mga account daan sa iyo na magdeposito ng pera at bayaran ang iyong mga bill. Kapag ikaw ay nagtatrabaho, maaari mong matanggap ang iyong paycheck bilang isang direktang deposito - ang ibig sabihin ito ay pumunta nang direkta sa iyong checking account mula sa employer.

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.

Kung mayroon kang ilang mga savings, o nais upang simulan ang pag-save, maaari mong buksan ang isang hiwalay na account sa bangko. Savings account ay makakatulong sa iyo i-save ang pera para sa hinaharap. Maaari kang kumita ng interes sa pamamagitan ng paglalagay ng pera sa isang savings account. gayunman, karamihan sa savings account lamang daan sa iyo upang kumuha ng pera sa labas ng isang account ng ilang beses sa bawat buwan.

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.

Pagbukas ng bank account

Opening a bank account

Upang buksan ang isang bank account, kakailanganin mo ng hindi bababa sa isang maliit na halaga ng pera. Upang buksan ang isang bank account, Dapat mong ipakita ang dalawang mga form ng pagkakakilanlan (ID) upang patunayan kung sino ka.

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.

Ang mga tseke at debit card

Checks and debit cards

Pagkatapos mong buksan ang iyong savings o checking account, maaari kang makatanggap ng isang debit card at tseke. Kapag gumamit ka ng iyong debit card, ang pera ay dumating out sa iyong account sa bangko.

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.

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.

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, online, 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.

Upang maprotektahan ang iyong pagkakakilanlan, ikaw ay may na magkaroon ng isang PIN (personal identification number) gamitin ang iyong card. ipinasok mo ang iyong PIN sa bawat oras na kumuha ng pera mula sa ATM o bumili ng isang bagay. Kung mawala mo ang card o ito ay makakakuha ng ninakaw, walang tao ay maaaring gamitin ito maliban kung alam nila ang 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 mula sa Wells Fargo “Mga kamay sa Banking” programa.
Sample Debit Card from the Wells Fargo "Hands on Banking" program.
Sample debit card from the Wells Fargo “Hands on Banking” program.

Ang mga tseke ay mga anyo mong punan at mag-sign upang magbayad para sa mga bagay. Ang tao na matanggap ang iyong tseke deposito ito sa kanilang bank, at ang iyong bank nagbabayad ang mga ito out sa iyong account. Maaari mong gamitin ang mga tseke na magbayad ng mga bill, tulad ng iyong upa at mga utility. Mga lokal na tindahan ay maaari ring tanggapin ang iyong mga tseke kung alam nila sa iyo.

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

Kung pumili ka ng isang savings account o isang checking account, magtanong kung kwalipikado ka para sa isang libreng 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 (ilagay ang pera sa bangko) at magwithdraw ng pera (kumuha ng pera sa labas ng bangko) nang hindi sisingilin ng isang 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.

Pamamahala ng iyong balanse sa bangko

Managing your bank balance

Sa sandaling mayroon ka ng isang account sa bangko, kailangan mong maging maingat sa paggastos lamang ng mas maraming pera hangga't mayroon ka sa iyong bangko. Kung sumulat ka ng isang tseke ngunit walang sapat na pera para sa check, sisingilin ka ng isang utang sa bangko bayad $50 o higit pang mga. Kung gumawa ka ng isang pagkakamali, maaari mong ipaliwanag sa pampang ito ay isang tunay na pagkakaunawaan at magalang hilingin sa bangko i-refund ang bayad sa, at sila ay maaaring o hindi maaaring i-refund ito.

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.

Upang maiwasan ang mga pagkakamali, maaari mong suriin kung magkano ang pera na mayroon ka sa savings o checking account sa bangko, online, o sa isang ATM. Ang halaga mayroon kang ay tinatawag na ang iyong “balanse sa bangko.” Utang sa bangko bayarin gastos ng maraming pera, kaya ito ay matalino upang mapanatili ang isang napaka-ingat sa panonood sa iyong balanse sa bangko!

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 mula sa Wells Fargo “Mga kamay sa 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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