Ke ʻimi nei ʻoe i nā panakō palekana i ka US a me nā ʻoihana kālā hilinaʻi me ka palekana maikaʻi loa? E nānā i kēia pou e ʻike i ka ʻoihana kālā maikaʻi loa me nā hoʻolālā maikaʻi loa no kāu kālā.
He home ʻo ʻAmelika Hui Pū ʻIa no nā ʻoihana kālā a ʻo ka makemake o kēlā me kēia kamaʻāina e panakō me nā ʻoihana hilinaʻi. ʻO nā panakō kūʻai, nā panakō kūʻai a i ʻole nā hui hui, a i ʻole nā panakō hoʻopukapuka, e mau ana ka pahuhopu i ka panakō me nā ʻoihana maikaʻi loa a palekana.
I kēia manawa, he aha nā panakō palekana i ka US, me ka palekana maikaʻi loa i ka wā e pale ai i kāu kālā?
Ma kēia ʻatikala, ua papa inoa mākou i nā panakō ma ʻAmelika Hui Pū ʻIa me nā kumu hilinaʻi a hilinaʻi no ka mālama ʻana i kāu kālā.
Ma mua o ko mākou papa inoa ʻana i nā panakō palekana loa ma ʻAmelika Hui Pū ʻIa e panakō me, e kamaʻilio e pili ana pehea e ʻike ai inā palekana kahi panakō.
Pehea e ʻike ai i kahi panakō palekana a hilinaʻi
ʻO ka maʻamau, ʻaʻole ʻoe e ʻike i kahi luna panakō e haʻi ana i nā mea kūʻai aku ʻaʻole palekana kahi panakō. ʻO kēlā me kēia panakō āu e hele ai e haʻi mau iā ʻoe he palekana ke panakō me lākou.
ʻO ka ʻoihana o ka panakō ʻo ka loaʻa ʻana o kou hilinaʻi, ʻoiai inā ua loaʻa iā lākou a ʻaʻole paha. Ua hana ʻoe no kāu kālā a inā ʻoe e hilinaʻi i kahi ʻoihana kālā me kāu kālā, pono e hana i kahi noiʻi liʻiliʻi.
ʻO ka hana ʻana i kahi noiʻi liʻiliʻi e kōkua iā ʻoe e hoʻoholo inā pono ʻoe e panakō me kahi panakō a ʻaʻole paha.
No laila, he aha nā mea koʻikoʻi e nānā ai i ke koho ʻana i kahi ʻoihana kālā e panakō me?
Eia kekahi mau mea e noʻonoʻo ai ma mua o kou hoʻoholo ʻana inā pono e mālama i kāu kālā me kekahi hui kālā.
E heluhelu pū nō hoʻi: ʻO 20 mau panakō maikaʻi loa ma US ma 2024
Size
ʻO ka mea mua e noʻonoʻo ai i ke koho ʻana i kahi ʻoihana kālā ka nui. ʻAe, pili ka nui o nā panakō a eia ke kumu.
ʻOi aku ka palekana o ke koho ʻana i kahi panakō aupuni nui ma mua o kahi panakō liʻiliʻi. ʻO ka hele ʻana i nā panakō nui e hōʻoiaʻiʻo e palekana kāu kālā. ʻO ka maʻamau, ʻoi aku ka nui o nā waihona kālā nui, ʻoi aku ka nui o nā kumuwaiwai a me nā kumu kālā.
Eia hou, loaʻa iā lākou nā koho hou aʻe e hoʻihoʻi mai i kekahi poho. Aia nā panakō nui no ka manawa lōʻihi a ʻo nā ʻike a lākou i hōʻiliʻili ai i nā makahiki he mau mea hana naʻauao e kū ai i nā pilikia.
I kēia manawa, inā he kūlana o kahi kālā pilikia, ʻoi aku ka maikaʻi o ka loaʻa ʻana o ke kōkua mai ke aupuni i nā panakō nui ma mua o nā liʻiliʻi. He mea maikaʻi kēia i loaʻa iā lākou ma mua o nā panakō liʻiliʻi, ʻoiai ua loaʻa iā lākou a lawelawe i nā mea kūʻai aku maʻamau.
Inikua FDIC
ʻO ka maʻamau, mālama ka ʻinikua FDIC i kāu kālā a me nā kālā āu i waiho ai i ka panakō. Inā loaʻa kekahi mea i ka panakō āu e panakō nei, aia ka ʻinikua FDIC e pale i kāu kālā.
Hana ʻo NCUA Insurance i ke kuleana like no nā hui ʻaiʻē.
Review
He mea nui e ʻike i nā manaʻo o nā mea kūʻai aku ma mua o kou hoʻoholo ʻana e panakō me kahi ʻoihana kālā. Nui paha nā manaʻo o ka mea kūʻai aku e haʻi iā ʻoe e pili ana i kahi panakō.
Lawelawe mea kūʻai mai
E nānā mau i nā hui kālā me ka lawelawe mea kūʻai maikaʻi. Pono nā limahana o ka panakō e mālama i kāu mau pono a i ʻole nā nīnau e pili ana i kāu kālā.
Ua loaʻa iā ʻoe kēlā me kēia kālā a hoʻoholo e hilinaʻi i kahi panakō me kāu kālā, ʻo ka mea liʻiliʻi āu e manaʻo ai ʻo ka lawelawe ʻoihana maikaʻi ʻole.
ʻO ka papa inoa o nā panakō palekana mai Global Finance
No ʻekolu mau makahiki i kēia manawa, ua hoʻokuʻu ʻo Global Finance i kahi papa inoa makahiki e hōʻike ana iā mākou i nā panakō palekana a puni ka honua. ʻO ka mea pōʻino, ʻaʻole ka hapa nui o kēia mau panakō i ʻAmelika Hui Pū ʻIa.
Nā hiʻohiʻona palekana kikohoʻe
ʻO nā panakō palekana loa ma US me ka palekana maikaʻi loa e hoʻohana i nā hiʻohiʻona kikohoʻe e mālama i nā kālā o nā mea kūʻai aku. Aia nā hiʻohiʻona palekana kikohoʻe i ka hoʻopili ʻana i ka ʻikepili, ka hōʻoia multi-factor, ka leka hoʻopunipuni, a me ka puka ʻana i ka manawa.
Aia ma lalo iho nā hana palekana e hiki i nā panakō ke noʻonoʻo.
Kāleka Kāleka ʻAi ʻAi
Hāʻawi kēia hiʻohiʻona i nā mea kūʻai aku e hoʻopau mamao i kā lākou kāleka hōʻaiʻē no ka pale ʻana i kekahi ʻano ʻaihue uila.
Hōʻoiaʻiʻo e kūʻē i ka ʻae ʻole ʻia
Ma kahi i nalowale ai ke kālā ma muli o ka hana hoʻopunipuni i kāu moʻokāki, pono ka panakō e ʻae e uku hou iā ʻoe.
EMV Chips
ʻO kēia ka puʻupuʻu gula a kālā paha i ʻike pinepine ʻia i ka hapa nui o nā kāleka hōʻaiʻē. ʻOi aku ka palekana o nā kāleka me nā chips ma mua o ka swiping ʻana i kāu kāleka a loaʻa iā ʻoe kēia mau kāleka palekana mai kāu panakō.
Nā helu kāleka hoʻohana hoʻokahi
ʻO ka helu kāleka hoʻohana hoʻokahi paha ka ʻokoʻa i ka hoʻokuʻu ʻia ʻana a i ʻole hacked kāu kikoʻī i ke kūʻai ʻana ma ka pūnaewele.
ʻO 10 mau waihona palekana ma US me ka palekana maikaʻi loa
Aia ma lalo ka papa inoa o nā panakō palekana loa ma ʻAmelika Hui Pū ʻIa me ka palekana maikaʻi loa. ʻO kēia mau panakō he mau ʻoihana kālā hilinaʻi me kahi kumu paʻa a ua noho kekahi ma mua o 100 mau makahiki.
# 1. JPMorgan Chase
JPMorgan hoʻoʻauheʻe aku iā ʻo ia ka ʻoihana kālā nui loa ma ka ʻāina. I kēia manawa, ʻo ia hoʻi ka panakō nui loa ma ka honua e ka mākeke capitalization.
Ke kamaʻilio mākou e pili ana i ka panakō me nā panakō nui ma mua o nā liʻiliʻi liʻiliʻi, loaʻa iā mākou nā kumu. ʻO JPMorgan Chase ka panakō nui loa o ʻAmelika a he mea koʻikoʻi ka ʻoihana e ka Financial Stability Board.
Aia ʻo JPMorgan Chase i kēia manawa ma Midtown Manhattan, New York a hoʻokomo ʻia ma Delaware. Ke hoʻopau ʻia ka hale ʻo JPMorgan Chase e 2025, neʻe ka paʻa i kona keʻena poʻo hou.
ʻO ka mōʻaukala o kēia ʻoihana i hala ma mua o 100 mau makahiki i hala. I ka makahiki 1871 i hoʻokumu ʻia ai ʻo JP Morgan & CO e JP Morgan. Ua hoʻokuʻu ʻo ia i ka Hale o Morgan, i lilo i mea hoʻolalelale aupuni no ka hoʻopukapuka kālā, kālepa, a me nā lawelawe waihona kālā pilikino.
Ma Dekemaba 1, 2000, ua hoʻokumu ʻia ʻo JPMorgan Chase & Co. ma hope o ka hui ʻana o nā ʻoihana mua ʻelua.
I ka makahiki 2023, loaʻa iā JPMorgan Chase kahi waiwai o $ 3.5 trillion. Aia ma mua o 4,700 mau lālā ma waho a ma luna o 16,000 ATM nona ka JPMorgan Chase.
E heluhelu pū nō hoʻi: ʻO 15 mau Bank National maikaʻi loa ma ʻAmelika ma 2024
#2. US Bank
Eia kekahi panakō i manaʻo ʻia he panakō koʻikoʻi e ka Federal Stability Board.
ʻO US Bank kekahi o nā panakō palekana o ʻAmelika i hoʻokumu ʻia ma Minneapolis, Minnesota a hoʻohui pū ʻia ma Delaware. Ua kapa ʻia kēia ʻoihana kālā ʻo US Bancorp.
ʻO ia ka ʻelima o ka ʻoihana waihona kālā nui loa o ka ʻāina a hāʻawi ia i nā lawelawe kālā. Ma ke ʻano he hui, hāʻawi ʻo US Bancorp i ka hoʻopukapuka kālā, ka waihona kālā, nā moraki, ka hilinaʻi, a me nā huahana lawelawe uku i kahi ʻoihana, nā hui aupuni, a me nā kānaka.
Currently, US Bank aia ma luna o 3,000 mau lālā ma ʻAmelika Hui Pū ʻIa. Ma kahi o 4,800 ATM nona ka US Bank ma ke Komohana a me Midwest United States.
He waiwai ko US Bancorp i manaʻo ʻia he $601 biliona.
# 3. PNC Bank
PNC Bank ʻo ia kekahi o nā panakō maikaʻi loa a palekana i ka US me ka palekana maikaʻi loa. He panakō ʻAmelika e hana ana ma 27 mau mokuʻāina a me Wakinekona DC
ʻO ka nui o nā lālā PNC ma waena o 27 mau mokuʻāina a me DC he 2,629. Aia nō hoʻi ʻo PNC Bank ma luna o 9,500 mau mīkini haʻi automated ma waena o ʻAmelika Hui Pū ʻIa. ʻO ka waiwai o ka PNC Bank i manaʻo ʻia he $ 557 biliona, e lilo ia ma ka papa inoa o nā panakō nui loa ma ʻAmelika Hui Pū ʻIa e nā waiwai.
#4. Citibank
ʻO Citibank kekahi o nā ʻoihana kālā kahiko loa o ʻAmelika. Wahi a nā hōʻike, ua hoʻokumu ʻia ʻo Citibank ma 1812 ma ke ʻano he City Bank of New York.
I loko o nā makahiki ua lilo ia i ka National City Bank of New York. I kēia lā, ʻike ʻia ʻo ia ʻo Citibank a ke hana nei ia ma 19 mau ʻāina a puni ka honua.
ʻO ka huina o nā lālā Citibank ma waena o ʻAmelika Hui Pū ʻIa he 723. ʻO kāna mau lālā 1,494 ma Mexico e lawelawe ʻia e Banamex.
E ʻike ʻoe i nā lālā o Citibank ma nā kūlanakauhale e like me New York, Washington DC Miami, Chicago, Los Angeles, a me San Francisco.
# 5. ʻO Wells Fargo
ʻO Wells Fargo kekahi o nā panakō palekana o ʻAmelika, kahi ʻoihana kālā hilinaʻi me ka palekana maikaʻi loa no nā kamaʻāina ʻAmelika e mālama i kā lākou kālā. ʻAʻole wale ma ʻAmelika Hui Pū ʻIa e hana ai ʻo Wells Fargo, aia pū kekahi ma 35 mau ʻāina a puni ka honua.
Ma ke ao holoʻokoʻa, ʻO Wells Fargo aia ma kahi o 70 miliona mau mea kūʻai. A e like me JPMorgan Chase & Co, ua manaʻo ʻia ʻo Wells Fargo he ʻoihana waiwai nui e ka Federal Stability Board.
Ke noʻonoʻo nei i ka nui o nā waiwai, ʻo Wells Fargo ka ʻehā o ka panakō nui loa ma ka ʻāina. ʻO ia kekahi o nā panakō nui loa e like me ka helu ʻana e ka waihona kālā a me ka hoʻonui ʻana i ka mākeke.
ʻO ka nui o nā lālā o Wells Fargo ma kahi o 8,050. Ma kahi o 13,000 ATM a Wells Fargo i hoʻopuehu ʻia ma ʻAmelika Hui Pū ʻIa.
# 6. Kapikala Hoʻokahi
ʻO ka mea aʻe ma kā mākou papa inoa o nā panakō palekana i ka US me ka palekana maikaʻi loa ʻo Capital One.
Hoʻokumu ʻia i ka makahiki 1994, aia ʻo Capital One ma ka papa inoa o nā panakō nui loa o ʻAmelika a i nā makahiki he nui, ua kūkulu lākou i kahi inoa maikaʻi ma ke ʻano he panakō pili ʻenehana.
Currently, poʻo One aia ma kahi o 755 mau lālā a me 2,000 mau mīkini haʻi kālā ma waena o ʻAmelika Hui Pū ʻIa.
Ma 2016, ʻo Capital One ka ʻelima o ka mea hoʻopuka kāleka hōʻaiʻē nui loa, e hele mai ana ma hope o Bank of America, American Express, Citigroup, a me JPMorgan Chase.
I ka makahiki 2022, loaʻa iā Capital One kahi waiwai o $444.2 biliona.
#7. M&T Bank Hui
Kauia ma 1856, M&T Bank Hui ʻo ia kekahi o nā panakō kahiko loa o ʻAmelika. Hoʻohana ia ma nā mokuʻāina he 12 a puni ka ʻāina, ʻoi loa ma ka Hikina ʻAmelika Hui Pū ʻIa.
ʻO ka maʻamau, ʻoi aku ka M&T Bank Corporation ma mua o hoʻokahi tausani mau lālā ma kēia mau mokuʻāina 12. Noho ka panakō i ke kūlana 519th ma ka papa inoa Fortune 500 e pili ana i nā loaʻa kālā 2021.
Ma mua o Mei 1998, ua kapa ʻia ʻo M&T Bank Corporation i ka First Empire State Corporation.
E heluhelu pū nō hoʻi: ʻO 10 mau panakō maikaʻi loa ma Tennessee ma 2024
#8. CoBank
Ua hoʻokumu ʻia i ka makahiki 1989 a ua hoʻokumu ʻia ma Greenwood Village Denver, Colorado, CoBank he 'oihana ho'ai'e e ho'oku'u aku i ka mahi'ai.
He ʻāpana hoʻi ia o ka Pūnaehana Kūʻai Kūʻai ʻo US e hāʻawi ana i nā hōʻaiʻē, a me nā lawelawe kālā i nā ʻoihana mahiʻai, nā hui like ʻole, a me nā pono lehulehu.
I ka makahiki 2022, loaʻa iā CoBank kahi waiwai o $183 biliona.
#9. AgFirst
Hana ʻo AgFirst ma ke ʻano he mea hōʻaiʻē kūʻai nui a hāʻawi aku i kahi pūnaewele o nā hui ʻaiʻai mahiʻai kūloko ma 15 mau mokuʻāina Hikina a me Hema ma ʻAmelika, me Washington DC a me Puerto Rico.
Ua hoʻokumu ʻia kēia panakō ma hope o ka hui ʻana o ka Farm Credit Bank of Columbia a me ka Farm Credit Bank o Baltimore.
E like me kāu e ʻike ai, aia ka mea hāʻawi kālā e nā hui kūloko he iwakāluakūmālua.
Ma mua o 79,000 mau mahiʻai e pōmaikaʻi mai kēia mau hui. Hāʻawi lākou i ka waiwai waiwai a me ka hoʻopukapuka kālā ʻaʻole wale ma luna o 79,000 mau mahiʻai, akā i ka ʻoihana mahiʻai, a me nā mea hale kuaʻāina.
Hana ʻo AgFirst i kā mākou papa inoa o nā waihona palekana loa ma US me ka palekana maikaʻi loa.
#10. AgriBank
Ma ke ʻano he lālā o ka US Farm Credit System, kōkua ʻo AgriBank i nā hui hōʻaiʻē mahiʻai kūloko ma nā mokuʻāina he ʻumikumamālima o ka ʻāina.
E like me AgFirst, ua hoʻokumu pū ʻia ʻo AgriBank ma ka hoʻohui ʻana i ka Farm Credit Bank of Saint Paul a me ka Farm Credit o Saint Louis ma 1992.
I kēia lā, ʻo ka huina kālā o AgriBank i manaʻo ʻia he $151 biliona.
Panina
He mea nui e hana i kahi noiʻi ma mua o ka hāʻawi ʻana i kāu kālā i kekahi panakō. Pono ʻoe e hōʻoia i ka waihona āu e manaʻo ai e panakō me kahi kumu kaulana.
Ua papa inoa mākou i nā panakō palekana ma US me ka palekana maikaʻi loa, no laila e hōʻoia i ka panakō me kekahi o nā ʻoihana kālā ma kēia papa inoa.
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