Банківські реквізити

Також АнглійськаНемає англійською мовою

Коли ви вперше прибули в Сполучених Штатах, Ви можете не знати, що робити з вашими грошима або яким авторам публікацій довіряти. Some newcomers are afraid to use banks. Ви можете відчути нервує з приводу давати гроші в чужі в банку. Ви, можливо, ніколи не використано банку перед і чудо про те, як відкрити рахунок у банку. 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.

Навіщо вам потрібен рахунок у банку

Why you need a bank account

Зберігаючи великі суми грошей в будинку або квартирі або з вами не є гарною ідеєю тому, що він може отримати украдені або загублені. Краще зберегти більшість ваші гроші в банк або кредитна спілка. Банки і кредитні спілки в Сполучених Штатах є надійним і безпечним, і мільйони американців, використовуйте банків.

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.

Як тільки ви починаєте гроші, які ви повинні відкрити банківський рахунок. Це робить його простіше для отримання грошей від вашого працедавця. Вона також дозволяє оплачувати речей поштою або через Інтернет.

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.

Види банківських рахунків

Types of bank accounts

Ви можете відкрити ощадний рахунок або розрахунковий рахунок.

You can open a savings account or a checking account.

Перевірка рахунків дають змогу зберігати кошти та оплатити рахунки. Після того, як ви працюєте, you can receive your paycheck as a direct deposit – this means it will go directly to your checking account from the 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.

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. Однак, most savings accounts only allow you to take money out of the account a few times per month.

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.

Opening a bank account

Opening a bank account

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.

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.

Checks and debit cards

Checks and debit cards

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.

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, онлайн, 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" Програма.
Sample debit card from the Wells Fargo “Руки на банківських” Програма.
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. Сплачувати рахунки за допомогою чеків, Наприклад, оренду та комунальні послуги. Місцеві магазини також може прийняти ваші чеки, якщо вони знають, що ви.

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.

Банківських зборів

Banking fees

Чи ви обираєте ощадний рахунок або розрахунковий рахунок, Запитайте, чи ви маєте право на безкоштовну обліковий запис. Bank employees should answer your questions and help you understand how banks and fees work. It is better to be able to deposit money (покласти гроші в банк) і зняти гроші (брати гроші з банку) без пред'явлення звинувачення плата. 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.

Управління ваш банківський баланс

Managing your bank balance

Як тільки у вас на банківський рахунок, Ви повинні бути обережні, тільки витрачати стільки грошей, скільки у вас є у вашому банку. Якщо ви передплачуєте чек, але не мають достатньо грошей для перевірки, Ви будете платити овердрафту плату з $50 або більше. Якщо ви допустили помилку, Ви можете пояснити в банку було справжнє нерозуміння і ввічливо попросіть банк повернути плата, і вони можуть чи не можуть повернути гроші це.

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.

Щоб уникнути помилок, Ви можете перевірити, скільки грошей у вас в заощадження або розрахунковий рахунок в банку, онлайн, або в Банкомат. Сума, яку ви маєте називається ваш “баланс банку.” Відповідні оплати коштувати багато грошей, тому має сенс тримати дуже обережні годинник на вашому банківському рахунку!

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" Програма.
Приклад банку заяву з Wells Fargo “Руки на банківських” Програма.
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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