agahî Bank

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Gava ku tu di destpêkê de di Dewletên Yekbûyî giha, hûn bizanin çi ji bi pereyên xwe an jî yên ku baweriya xwe bi. Some newcomers are afraid to use banks. Hûn dikarin li ser dayîna pereyên xwe ji bo yekî xerîb li bank hîs demarî. Dibe ku we yê bankê tê bikaranîn qet li pêş û li ser ku çawa ji bo vekirina hesabê bankê gelo. This page has bank information to help you understand 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 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.

Çima divê hûn hesaba xwe ya bankê

Why you need a bank account

Hevdîtinên bi mîqdarên mezin yên pereyan li malê an jî mala te an jî bi we re ye fikreke baş e, ji ber ku ew dikarin divîn an jî windakirin. Ev baştir e ji bo depokirina piraniya pereyên xwe di bankê yan sendîkaya kredîyê. Banks û sendîkayên kredîyê li Dewletên Yekbûyî yên ewle û ewle ne, û bi milyonan Amerîkî bi kar bankên.

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.

Carekê tu dest bi qezenckirina peran ji te re pêwîst e li hesabê bankê veke. Ev jî bi hêsanî qebûl pere ji kardêrê te. Ev jî gengaz e ku mirov ji bo tiştên bidin bi rêya mail yan jî bike jî.

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.

Types ji hesabên bankê

Types of bank accounts

Tu dikarî hesabekî teserifê an hesabekî veke bikarbîne.

You can open a savings account or a checking account.

bikarhênerên Dinêre ku tu pere razînin û fatoreyên xwe bidin. Carekê tu kar, tu paycheck xwe wek spartinê direct bistînin - ev tê vê wateyê ku ew dê yekser di hesaba kontrolkirina ji karsaz here.

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.

Heger tu xwedî pere, an jî dixwazin ku dest pêbikî, tu hesabê bankê cuda veke. bikarhênerên Savings alîkarîya te pere ji bo pêşerojê de. Tu dikarî eleqeya ji aliyê pereyan razîne di hesabekî teserifê de qezenc. Lebê, herî bikarhênerên teserifê de bi tenê nehêlin ku hûn pere ji hesabê çend caran di mehê de.

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.

Vekirina hesabê bankê

Opening a bank account

Ji bo vekirina hesabê bankê, tu dê qet nebe hindik pere divê. Ji bo vekirina hesabê bankê, divê tu bi du formên nasnameya xwe nîşan (ID) îspat bike ku tu kî yî.

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 û kartên debît

Checks and debit cards

Piştî ku tu bi rezervên xwe an account bikarbîne veke, hûn dikarin karta debit û kontrolên bistîne. Gava ku tu bi kar karta debit te, pere ji hesabê te tê.

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 (machine teller automated), 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, bike, 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.

De ji bo parastina nasnameya xwe, ku hûn ji bo xwedî PIN (hejmara nasnameya şexsî) ji bo bikaranîna karta xwe. Hûn bikevin PIN te her dem ji we re bibin pere ji ATM an tiştekî bikirim. Eger tu karta xwe winda bike, an jî wê dizîn dikujî, kes nikare lê eger ew li PIN nizanin bi kar tînin.

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" bername.
karta debit rate ji Wells Fargo “Destên li ser Banking” bername.
Sample Debit Card from the Wells Fargo "Hands on Banking" program.
Sample debit card from the Wells Fargo “Hands on Banking” program.

Checks formên in hûn li tije û îmze ji bo tiştên bidin. Kesê distînin meden kontrola we de jî li banka xwe, û banka xwe li wan dide ji hesabê xwe. Tu dikarî ji kontrolên ji bo dayina fatoreyên bi kar tînin, wek yên kirê û programên xwe. dikanên herêmê jî dikare kontrol we qebûl bike, eger ew tu dizanî.

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.

xercên Banking

Banking fees

Gelo tu hilbijêre hesabekî teserifê an hesabekî bikarbîne, bipirsin, ka tu ji bo hesabekî free gotar. Bank employees should answer your questions and help you understand how banks and fees work. It is better to be able to deposit money (perên pereguhêran) û pere bikişînin (bigirin pere ji bankê) bêyî ku doz li xercê. 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.

Birêvebirina hevsengekê banka te

Managing your bank balance

Piştî we hesaba xwe ya bankê, hûn divê baldar be, pere serf bi tenê bi qasî ku tu di banka te. Ger tu binivîse a check lê bes pereyê ji bo check ne xwedî, hûn dê bên doz xerceke overdraft ji $50 yan jî zêdetir. Eger tu çewtiyekê, tu ji bankê rave ev şaşî heqîqî bû û dûvre bi banka bixwaze ku bişînin xercê, û ew dikarin yan dibe ku ev bişînin ne.

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.

To dûr sedema, tu çiqas pere ji we re li hêvşandina an account bikarbîne, li bankayê tune, bike, an jî li ATM'ê. Mîktara ku tê gotin xwe “balance bank.” xercên Overdraft mesrefa gelek pere, da ku şehreza ew e ku a watch pir baldar li ser balansa banka te!

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" bername.
Daxûyanîya Bank rate ji Wells Fargo “Destên li ser Banking” bername.
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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