Bank haqida ma'lumot
Agar birinchi Amerika Qo'shma Shtatlarida kelganda, Agar pul bilan, albatta, nima yoki kim ishonish bilmaydi mumkin. Ba'zi qochqinlar banklar foydalanish qo'rqishadi. Siz bankda bir notanish uchun pul berib haqida asab his mumkin. Siz oldin bank ishlatiladi va bank hisob ochish haqida hayron hech qachon bo'lishi mumkin.
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.
Bu sahifa Qo'shma Shtatlarda banklar foydalanish haqida tushunishga yordam uchun bank haqida ma'lumot.
This page has bank information to help you understand about using banks in the United States.
Agar bank hisob kerak Nima uchun
Why you need a bank account
u o'g'irlangan yoki yo'qolgan mumkin, chunki uyingizda yoki kvartirada yoki sizlar bilan katta miqdorda pul tutib, yaxshi fikr emas. Bu bank yoki kredit uyushmasi o'z pul eng saqlash uchun yaxshidir. Amerika Qo'shma Shtatlarida Banklar va kredit uyushmalari xavfsiz va xavfsiz, va amerikaliklar millionlab banklar foydalanish.
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.
Agar pul topish boshlash marta Agar bank hisob ochish kerak. Bu oson ish beruvchi pul olish imkonini beradi. Bu, shuningdek, pochta orqali yoki onlayn narsalarni to'lash imkonini beradi.
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.
bank hisob turlari
Types of bank accounts
Siz tejash hisobini yoki tekshirish hisob ochish mumkin.
You can open a savings account or a checking account.
Tekshirish hisob sizga pul va Xarajatlarni to'lash imkonini beradi. Agar ishlayotgan bir marta, bu ish beruvchi sizning tekshirish hisob bevosita ketadi, degan ma'noni anglatadi - Agar to'g'ridan-to'g'ri koni sifatida paycheck olish mumkin.
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.
Agar ba'zi tejash bo'lsa, yoki tejash boshlash istayman, Agar alohida bank hisob ochish mumkin. Omonat hisob sizga kelajak uchun pul tejash yordam. Siz bir tejash hisobiga pul qo'yib qiziqish pul ishlang mumkin. ammo, eng omonat hisob faqat siz hisob chiqib oyiga bir necha marta pul olish imkonini beradi.
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.
Bank hisob ochish
Opening a bank account
Agar bank hisob ochish uchun, Agar pul kamida bir oz miqdorda kerak bo'ladi. Agar bank hisob ochish uchun, Agar aniqlash ikki shakllari ko'rsatish kerak (ID) Siz kim isbotlash uchun.
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.
Chexlar va debet kartalar
Checks and debit cards
Agar tejash yoki tekshirish hisob ochish keyin, Agar debet karta va chexlar olishingiz mumkin.
After you open your savings or checking account, you may receive a debit card and checks.
A debet karta siz ATM mashina chiqib naqd olish uchun foydalanish plastik karta (avtomatik vazn mashinasi), pul ushlab maxsus mashina. Bundan tashqari, narsalar uchun to'lash uchun foydalanishingiz mumkin. Qachon sizning debet karta ishlatish, pul bank hisob chiqib keladi.
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.
shaxsingizni himoya qilish maqsadida, Agar PIN bo'lishi kerak (shaxsiy identifikatsiya raqami) kartani foydalanish. Siz PIN-kod ATM pul olish yoki biror narsa sotib, har safar kiriting. Agar karta yo'qotish yoki o'g'irlanish xavfi bo'lsa,, Ular PIN kodni bilmasangiz, hech kim uni foydalanishingiz mumkin.
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.
Nazorat qiladi to'ldiring va narsalar uchun to'lash uchun imzo shakllari. shaxs o'z bankda siz betob omonatlarini uni qabul, va bank hisobingizga ularni to'laydi. Siz uchun pul to'lash chexlar foydalanishingiz mumkin, Bunday ijara va kommunal sifatida. Ular sizni bilsangiz Mahalliy do'konlar, shuningdek, chexlar, qabul qilishi mumkin.
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.
Yoki bir omonat hisob yoki tekshirish hisobini tanlang, Agar bepul hisob uchun haq savol. Bu pul imkoniyatiga ega bo'lish uchun ma'qul bo'lgan (Bankda pul qo'yish) va pul (bank pul olib) Agar haq olmasdan. ammo, ba'zi banklar erkin hisob uchun haq olish bankda ko'p pul ushlab talab. A bank bir haq evaziga mavjud o'z xizmatlarini qilish bir necha kishilar tomonidan tegishli notijorat kompaniya hisoblanadi. Siz uning a'zolari tomonidan tegishli notijorat bo'lgan bir kredit uyushmasi da yanada qulay hisobini olish mumkin.
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.
Bank xodimlari sizning savollarga javob yordam va qanday banklar ishini tushunish yordam berishi mumkin.
Bank employees can help answer your questions and help you understand how banks work.
Sizning bank balansini boshqarish
Managing your bank balance
Agar bank hisob bor bir marta, Agar bankda bor faqat ko'p pul sarflash uchun ehtiyot bo'lish kerak. Agar chek yozish, lekin tekshirish uchun yetarli pul yo'q bo'lsa, Agar bir overdraft haq olinadi $50 yoki undan ko'p. Agar xato qilsangiz, Agar u haqiqiy anglashilmovchilik bo'ldi bankka tushuntirish va muloyimlik bilan haq pul qaytarilmasligi bank so'rashingiz mumkin, va ular yoki uni qaytarib bo'lmaydi mumkin.
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.
xatolarga yo'l qo'ymaslik uchun, Agar bankda tejash yoki tekshirish hisob qancha pul tekshirish mumkin, onlayn, yoki bankomat da. Agar bor miqdori deyiladi “bank balansi.” Overdraft to'lovlari ko'p pul turadi, Bas, u sizning bank balansiga juda ehtiyot qo'riqchi dono!
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!