A, no te tuatahi tae koutou i roto i te Hau Amui no Marite, kahore koutou kia mohio ki ta ki te mahi ki to koutou moni ranei e ki te whakawhirinaki. e wehi ki te whakamahi i pareparenga ētahi rerenga. kia koe ite tailiili e pā ana ki hoatu koutou moni ki te tangata ke i te pareparenga. kia kore kua whakamahia e koe i te pēke i mua, me te te uiui e pā ana ki te pehea, ki te whakatuwhera i te pūkete pēke.
When you first arrive in the United States, you may not know what to do with your money or who to trust. Some refugees 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.
Ko tēnei whārangi he kōrero pēke ki te āwhina i matau koe e pā ana ki te whakamahi i pareparenga i roto i te United States.
This page has bank information to help you understand about using banks in the United States.
He aha e hiahia ana koe i te pūkete pēke
Why you need a bank account
e kore te mea he whakaaro pai te haapa'oraa i moni nui o te moni i roto i to outou fare fare ranei ranei ki a koutou no te mea e taea e kia tahaetia te reira ngaro ranei. He pai ki te rokiroki te nuinga o koutou moni i roto i te pēke nama ranei uniana. He haumaru, me te haumaru Banks me ngā uniana nama i roto i te United States, me milioni o Ameliká whakamahi tahatika.
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.
Kia tīmata koe hanga te moni kia whakatuwhera koe i te pūkete pēke. Na te reira e te reira māmā ki te tango moni i to koutou kaituku mahi. Reira hanga hoki e taea ana e ia ki te utu mo nga mea i roto i te mēra ipurangi ranei.
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.
Ngā momo o ngā pūkete pēke
Types of bank accounts
Ka taea e koe te whakatuwhera i te pūkete penapena he pūkete arowhai ranei.
You can open a savings account or a checking account.
Te arowhai pūkete tukua ki a koutou te putunga moni, me te utu i o koutou pire. Kia e mahi koe, Ka taea e koe riro tou vahé rite te tiakina tika - tenei te tikanga ka haere i te reira tika ki tō pūkete arowhai i te kaituku mahi.
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.
Ki te whai koe i te tahi mau penapena, ranei e hiahia ana ki te tīmata i te tiaki, Ka taea e koe te whakatuwhera i te pūkete pēke motuhake. pūkete penapena tauturu i whakaora koutou te moni mo te heke mai. Ka taea e koe te whiwhi moni na roto i te maka ana te moni i roto i te pūkete penapena. Heoi, te nuinga o penapena pūkete anake tukua ki a koutou te tango moni i roto i te pūkete i te wa torutoru ia marama.
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.
Whakatuwhera i te pūkete pēke
Opening a bank account
Ki te whakatuwhera i te pūkete pēke, ka hiahia koe i te iti rawa i te nui iti o te moni. Ki te whakatuwhera i te pūkete pēke, Me whakaatu e koe kia rua puka o tautuhi (ID) ki te whakamatau e e koe.
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.
Arowhai me ngā kāri nama
Checks and debit cards
I muri whakatuwhera koe koutou penapena pūkete arowhai ranei, kia riro koe i te kāri nama me arowhai.
After you open your savings or checking account, you may receive a debit card and checks.
He kāri nama ko te kāri kirihou whakamahi koe ki te tiki moni i roto i o te mīhini ATM (mīhini Matapae aunoa), he mīhini motuhake e mau moni. Ka taea hoki e koe te whakamahi i te reira ki te utu mo te mea. A, no te whakamahi koe i tou kāri nama, mai te moni i roto i o koutou pūkete pēke.
A debit card is a plastic card you use to get cash out of an ATM machine (automated teller machine), a special machine that holds money. You can also use it to pay for things. When you use your debit card, the money comes out of your bank account.
I roto i te tikanga ki te tiaki i tou tuakiri, whai koe ki te whai i te TTW (tau tāututanga whaiaro) ki te whakamahi i tō kāri. tomo koe tou PIN wa katoa tangohia e koe te moni i roto i o te ATM ranei te hoko i te tahi mea. Ki te ngaro koe i te kāri ranei tangata tahaetia reira, Ka taea e tangata te whakamahi i te reira te kore ratou e mohio ki te 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.
Arowhai he puka whakakiia koe i roto i, me te haina ki te utu mo te mea. Ko te tangata i te fariiraa i to koutou putunga Taki reira i roto i to ratou pēke, a utua ana ratou e to koutou pēke i roto o tō pūkete. Ka taea e koe te whakamahi i arowhai ki te utu i ngā pire, pēnei i tō reti me taputapu. kia manako ano hoki toa Local koutou arowhai ki te mohio ratou e koe.
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.
Ahakoa koe te whiriwhiri i te pūkete penapena he pūkete arowhai ranei, ui ranei taau koe mo te pūkete free. Ko te reira pai ki te e taea ki te putunga moni (maka ano te moni i roto i te pēke) a whakahoki iho moni (tango moni i roto i te pēke) kahore i whakatupato i te utu. Heoi, etahi pareparenga rapu pupuri koe i te rota o te moni i roto i te pēke ki te taau mo te pūkete free. He pēke Ko te kamupene pai mo-fatuhia e te iwi torutoru nei kia wātea ratou ratonga mō te utu. kia whiwhi koe i te pūkete atu pai i te uniana nama i te mea he nonprofit puritia e ona i te mau melo.
Whether you choose a savings account or a checking account, ask whether you qualify for a free account. It is preferable 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. However, some banks require you keep a lot of money in the bank to qualify for a free account. A bank is a for-profit company owned by a few people who make their services available for a fee. You may get a more favorable account at a credit union which is a nonprofit owned by its members.
Ka taea e ngā kaimahi Bank tauturu i whakahoki koutou pātai, me te tokoni ke mahino koe pehea mahi tahatika.
Bank employees can help answer your questions and help you understand how banks work.
Te whakahaere i tō toenga pēke
Managing your bank balance
Kia whai koe i te pūkete pēke, Me koe ki te kia tupato ki te noho noa rite nui te moni kia rite ki to koutou i roto i to koutou pēke. Ki te tuhituhi koe i te haki, engari e kore e makona moni mo te haki, ka whakatupato koe i te utu täwere o $50 atu ranei. Ki te hanga koe i te hape, Ka taea e koe te whakamārama ki te te pēke i reira he pōhēhē pono, me te ui huatau te pēke ki te whakahoki i te utu, a ratou kia ranei e kore e whakahokia reira.
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.
Ki te karo hape, Ka taea e koe te tirotiro ki te nui o te moni i koe i roto i penapena pūkete arowhai ranei i te pareparenga, ipurangi, ranei i te ATM. huaina te nui i koutou te koutou “pēke toenga.” utu täwere utu te rota o te moni, na ko reira whakaaro nui ki te pupuri i te mataaratanga rawa tupato i runga i tou toenga pēke!
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!