Banko informacija

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Kada jūs pirmą kartą atvyksta į JAV, Jūs negalite žinoti, ką daryti su savo pinigais arba kam galima pasitikėti. Some newcomers are afraid to use banks. Jums gali jaustis nerimauti suteikia savo pinigus į svetimas banke. Jūs niekada nesinaudojote banko prieš ir įdomu, apie tai, kaip atidaryti banko sąskaitą. 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.

Kodėl jums reikia banko sąskaitą

Why you need a bank account

Išlaikyti dideles pinigų sumas į savo namų ar buto arba su jumis nėra gera idėja, nes jis gali gauti pavogtas arba prarastas. Tai geriau laikyti didžiąją dalį savo pinigų iš banko ar kredito unijos. Bankų ir kredito unijų Jungtinėse Amerikos Valstijose yra saugi ir patikima, ir milijonai amerikiečių naudotis bankų.

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.

Kai jums pradėti uždirbti pinigus, jums turėtų atsidaryti banko sąskaitą. Ji leidžia lengviau gauti pinigų iš savo darbdavio. Ji taip pat suteikia galimybę mokėti už ką paštu arba internetu.

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.

Banko sąskaitų rūšimis

Types of bank accounts

Galite atidaryti taupomąją sąskaitą arba atsiskaitomąją sąskaitą.

You can open a savings account or a checking account.

Tikrinti sąskaitas leidžia jums pervesti pinigus ir apmokėti savo sąskaitas. Kai dirbate, Jūs gausite paycheck kaip tiesioginis indėlis – tai reiškia, jis bus eiti tiesiai į jūsų einamąją sąskaitą iš darbdavio.

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.

Jei turite kai kurie santaupas, ar norite pradėti taupyti, galite atidaryti atskirą banko sąskaitą. Taupomosios sąskaitos padės jums sutaupyti pinigų ateičiai. Jūs galite uždirbti palūkanų išleisti pinigus į taupomąją sąskaitą. Tačiau, Dauguma taupomosios sąskaitos suteikia jums galimybę paimti pinigus iš sąskaitos kelis kartus per mėnesį.

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.

Banko sąskaitos atidarymas

Opening a bank account

Norėdami atidaryti banko sąskaitą, jums reikia bent šiek tiek pinigų. Norėdami atidaryti banko sąskaitą, Jūs turite parodyti dviejų rūšių identifikavimo (ID) įrodyti, kas jūs esate.

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.

Patikrinimai ir debeto kortelės

Checks and debit cards

Po to, kai atidarote savo santaupas arba atsiskaitomąją sąskaitą, galite gauti debetine kortele ir patikrinimai. Kada galite naudoti jūsų debeto kortelės, pinigai ateina iš jūsų banko sąskaitos.

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 (bankomatas), 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, internete, 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.

Siekiant apsaugoti savo tapatybę, Jūs turite turėti PIN (asmens kodas) naudoti savo kortelę. Galite įvesti PIN, kiekvieną kartą paimti pinigus iš Bankomatų arba ką nors nusipirkti. 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" programa.
Sample debit card from the Wells Fargo “Rankas ant bankų” programa.
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. You can use checks to pay bills, such as your rent and utilities. Local shops may also accept your checks if they know you.

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

Ar jūs pasirenkate taupomąją sąskaitą arba atsiskaitomąją sąskaitą, paklausti, ar turite teisę gauti nemokamą paskyrą. Bank employees should answer your questions and help you understand how banks and fees work. It is better to be able to deposit money (įdėti pinigus į banko) and withdraw money (paimti pinigus iš banko) Be to imamas mokestis. 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.

Managing your bank balance

Managing your bank balance

Jei jau turite banko sąskaitą, you need to be careful to spend only as much money as you have in your bank. Jei aukos čekį, bet neturite pakankamai pinigų tikrintuvas, jums reikės mokėti už overdraftą mokestį $50 ar daugiau. Jei jūs padarote klaidą, 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.

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 avoid mistakes, you can check how much money you have in savings or checking account at the bank, internete, arba bankomate. The amount you have is called yourbank balance.Overdraft fees cost a lot of money, so it is wise to keep a very careful watch on your bank balance!

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.
Mėginio banko išrašo iš Wells Fargo “Rankas ant bankų” 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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