inpo Bank

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Lamun anjeun mimiti anjog di Amérika Serikat, Anjeun bisa jadi teu nyaho naon nu kudu mawa duit anjeun atanapi anu keur dipercaya. Some newcomers are afraid to use banks. Anjeun bisa ngarasakeun saraf ngeunaan mere duit anjeun ka muhrim di bank. Anjeun bisa geus pernah dipaké bank sateuacan na heran ngeunaan kumaha carana muka rekening bank. 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.

Naha anjeun perlu akun bank

Why you need a bank account

Ngajaga jumlahna ageung duit di lembur atanapi apartemen atanapi sareng anjeun henteu mangrupakeun ide nu sae sabab bisa neangan dipaling atawa leungit. Éta hadé pikeun nyimpen paling duit anjeun dina bank atawa kiridit rugbi. Bank jeung union kiridit di Amérika Serikat anu aman sarta aman, sarta jutaan Amerika make bank.

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.

Sakali anjeun ngamimitian nyieun duit anjeun kudu muka rekening bank. Ayeuna damel eta gampang nampa duit ti dunungan anjeun. Ogé ngamungkinkeun mayar hal ngaliwatan surélék atawa 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.

Rupa rekening bank

Types of bank accounts

Anjeun tiasa muka hiji akun tabungan atawa akun mariksa.

You can open a savings account or a checking account.

rekening mariksa ngidinan Anjeun pikeun deposit duit jeung mayar tagihan Anjeun. Sakali anjeun bisa dipake, anjeun tiasa nampi paycheck anjeun salaku titipan langsung - ieu hartina éta bakal balik langsung ka akun mariksa anjeun ti dunungan.

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.

Upami Anjeun gaduh sababaraha tabungan, atawa rék ngamimitian nyimpen, Anjeun tiasa muka hiji akun bank misah. rekening tabungan mantuan Anjeun nyimpen duit keur mangsa nu bakal datang. Anjeun tiasa earn dipikaresep ku putting duit dina rekening tabungan. Tapi, paling rekening tabungan ukur ngidinan Anjeun pikeun nyandak duit kaluar tina akun nu sababaraha kali per bulan.

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.

Muka rekening bank

Opening a bank account

Pikeun muka hiji akun bank, anjeun bakal kedah sahenteuna jumlah leutik duit. Pikeun muka hiji akun bank, anjeun kudu némbongkeun dua bentuk idéntifikasi (ID) ngabuktikeun saha anjeun.

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.

Cék sarta kartu debit

Checks and debit cards

Saatos Anjeun muka tabungan anjeun atanapi mariksa akun, Anjeun bisa nampa kartu debit na cék. Lamun anjeun ngagunakeun kartu debit Anjeun, duit asalna kaluar ti akun bank Anjeun.

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 (mesin Tunai Mandiri otomatis), 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.

Dina raraga ngajaga idéntitas anjeun, Anjeun kudu gaduh PIN (Jumlah idéntifikasi pribadi) ngagunakeun kartu Anjeun. Anjeun ngasupkeun PIN unggal waktos Anjeun nyandak duit kaluar tina ATM atanapi mésér hal. Lamun leungit kartu atawa eta bakal dicokot ku batur, taya sahijieun bisa make eta iwal maranéhna terang PIN nu.

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" program.
kartu debit sampel tina Wells Fargo “Leungeun kana Perbankan” program.
Sample Debit Card from the Wells Fargo "Hands on Banking" program.
Sample debit card from the Wells Fargo “Hands on Banking” program.

Cék nu bentuk nu eusian tur asup kana mayar hal. jalma nu narima deposit cek anjeun eta di bank maranéhna, jeung bank Anjeun bayaran aranjeunna kaluar ti akun anjeun. Anjeun tiasa make cék mayar tagihan, kayaning nyewa anjeun sarta Utiliti. toko lokal ogé bisa nampa cék anjeun lamun maranéhna terang anjeun.

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.

waragad perbankan

Banking fees

Naha anjeun milih hiji akun tabungan atawa akun mariksa, menta naha anjeun cocog keur akun bébas. Bank employees should answer your questions and help you understand how banks and fees work. It is better to be able to deposit money (nempatkeun duit di bank) jeung mundur duit (nyokot duit kaluar bank) tanpa keur muatan fee a. 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.

Ngatur kasaimbangan bank Anjeun

Managing your bank balance

Sakali anjeun gaduh akun bank, Anjeun kudu ati-ati méakkeun ukur jadi loba duit anjeun gaduh di bank Anjeun. Lamun nulis cek tapi teu boga cukup duit keur dipariksa teh, Anjeun bakal boga muatan hiji fee overdraft tina $50 atawa leuwih. Lamun nyieun kasalahan, anjeun tiasa ngajelaskeun ka bank ieu salah paham asli tur sopan menta bank ka ngabalikeun duit fee éta, jeung maranéhna bisa atawa teu ngabalikeun duit eta.

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.

Ulah aya kasalahan, anjeun bisa pariksa sabaraha duit nu kudu di tabungan atawa mariksa akun di bank, online, atanapi di hiji ATM. Jumlah anjeun boga disebut Anjeun “kasaimbangan bank.” waragad Overdraft ngarugikeun loba duit, jadi geus wijaksana keur nyimpen hiji nonton ati pisan dina kasaimbangan bank Anjeun!

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" program.
Sampel Bank Pernyataan ti Wells Fargo “Leungeun kana Perbankan” program.
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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