Ngati mumadabwa kuti ATM imakhala ndi ndalama zingati komanso momwe makinawa amagwirira ntchito, tikambirana izi mu bukhuli.
Makina owerengera ndalama (ATM) ndi zida zamagetsi zomwe zimapangitsa kuti makasitomala azitha kutenga ndalama mosavuta kumabanki. Popeza kupangidwa kwa ma ATM, makasitomala amatha kumaliza ntchito mosavuta popanda kupita kwa woimira nthambi kapena wowuza.
Ndi kirediti kadi kapena kirediti kadi, mutha kutenga ndalama pa ATM ndikulipira mukagula.
Nthawi zambiri, ma ATM ena amangopereka ndalama, pomwe ma ATM ena amalola makasitomala kuchita zinthu monga ma cheke madipoziti, kulipira bilu, ndi ma cheke madipoziti. Izi ndi zatsopano zama ATM kuyambira pomwe adapangidwa kumapeto kwa zaka za m'ma 1960.
Koma funso lomwe tikufuna kupereka yankho ndiloti ndalama zili mu ATM zingati. Tisanafotokoze zambiri za nkhaniyi, tiyeni tiwone kuti ATM ndi chiyani.
Kodi ATM N'chiyani?
Makina owerengera okha (ATM) ndi chipangizo chamagetsi chomwe chimalola makasitomala kumaliza ntchito zamabanki. Ma ATM ndi osavuta kugwiritsa ntchito, mukakhala ndi kirediti kadi kapena kirediti kadi.
Makina owerengera okha adapangidwa chakumapeto kwa zaka za m'ma 1960 ku United States. Pa Seputembala 2, 1969, makina oyamba owerengera okha (ATM) adadziwika kwa anthu.
Kunali ku Chemical Bank ku Rockville, New York komwe makina oyambira okha okha adapereka ndalama kwa makasitomala. Pofika m’chaka cha 1980, makina owerengera ndalama anali atafala kwambiri ku United States. Makina opangira ndalamawa anali kugwira ntchito yowerengera anthu m'mabanki, monga kutumiza ndalama pakati pa maakaunti ndi macheke.
Chiyambireni kupangidwa kwa ATM, pakhala kusintha kwatsopano kwa makina operekera ndalama. Masiku ano, ma ATM amatha kuvomereza kusungitsa ndalama, komanso kuchita zinthu zina zofunika.
Kudzera mu ma ATM, makasitomala amatha kusamutsa ndalama kumaakaunti ena, kuyika ndalama, ndi kulipira ngongole.
Monga mukudziwa, makina opangira ndalama (ATM) amatchedwanso makina opangira ndalama mu Chingerezi cha Chingelezi cha Britain komanso makina opangira banki (ABM) ku Canada.
Komanso Werengani: Ntchito Zomwe Sizifuna Digiri Yaku koleji
Mitundu Yamakina Oyimbira Paokha (ATM)
Nthawi zambiri, pali mitundu iwiri yamakina owerengera okha (ATM). Pali gawo loyambira komanso makina owerengera okha.
Ndi ma ATM oyambira, mutha kungochotsa ndalama ndikulandila mabanki osinthidwa akawunti. Makina ovuta kwambiri owerengera okha amakulolani kusungitsa ndalama, kusamutsa, kuwongolera njira zolipirira ngongole, ndikupeza zambiri za akaunti.
Kuti muthe kupeza zida zapamwamba zagawo lovuta, muyenera kukhala ndi akaunti yakubanki yomwe ili ndi makinawo.
Akatswiri amaneneratu kuti ma ATM adzakhala otchuka kwambiri m'tsogolomu. Pali kale ma ATM opitilira XNUMX miliyoni padziko lonse lapansi ndipo ena akhazikitsidwa m'malo ofunikira.
M'tsogolomu, makina owerengera ndalama adzakhala otsogola kwambiri kuposa omwe tili nawo masiku ano m'mabanki. Ma ATM amtsogolo amatha kulola anthu kugula ndikugulitsa Bitcoin ndi ma cryptocurrencies ena kudzera mu ma ATM a Bitcoin. Ma ATM amtsogolowa azitha kugawa ndalama posinthanitsa ndi crypto.
Makina Opangira Makina Opangira Ma Teller
ATM imakhala ndi ndalama zenizeni ndipo idapangidwa mosiyana, koma imagwira ntchito mofananamo. Tiyeni tiwone mbali zazikulu za makina owerengera okha.
Khadi Reader
Wowerenga makhadi pa ATM ndi gawo lomwe limawerenga chip kutsogolo kwa kirediti kadi kapena kirediti kadi kapena maginito kumbuyo kwa khadi.
Chophindikiza
Keypad imalola makasitomala kuyika Nambala Yawo Yozindikiritsa (PIN), kuti amalize kuchita. Mukayika khadi yanu mu ATM, muyenera kukanikiza kiyi yoyenera kuti mumalize ntchito yanu.
Cash Dispenser
Ili ndi gawo la ATM lolumikizidwa kuchitetezo pansi pa makina. Mabilu amaperekedwa kudzera muzopereka ndalama.
chosindikizira
Ngati mukufuna risiti mukamaliza ntchito yanu ku ATM, imasindikizidwa ndi zambiri za akaunti yanu.
Sewero
Chophimba cha ATM ndiye gawo lofunikira kwambiri lomwe limatsogolera ogwiritsa ntchito. Chophimbacho chimakulolani kuti mungotsatira njira zosavuta kuti mumalize ntchito yanu.
Imawonetsanso zambiri za akaunti yanu monga ndalama ndi ndalama zomwe mungachotse.
Kodi mu ATM ndi Ndalama zingati?
Makina owerengera okha amatha kukhala ndi ndalama zambiri. Kukula kwapakati kwa makina owerengera okha amatha kukhala mpaka $200,000 pamalo otetezeka.
Nthawi zambiri, makina owerengera okha amapangidwa kuti azisunga ndalama zinazake ndikugawa ndalama kwa makasitomala omwe amafunikira ndalama zochepa kapena kupitilira apo.
Ma ATM sanapangidwe kuti azipereka ndalama zambiri, ndipo pali malire pa kuchuluka kwa ndalama zomwe zimachotsedwa patsiku.
Chifukwa Chiyani Mabanki Amaika Malire Ochotsa ATM?
Mabanki amaika dala malire ochotsera ATM chifukwa cha chitetezo chandalama.
Makina owerengera okha amatha kukhala ndi ndalama zambiri. Komabe, kuyika malire atsiku ndi tsiku ochotsera makasitomala kumathandiza banki kuwongolera kayendedwe ka ndalama zomwe zilipo panthawiyo.
Chifukwa china chomwe mabanki adayika malire ochotsa izi ndikuteteza ndi kuteteza maakaunti akubanki amakasitomala. Tiyerekeze kuti pali nthawi yomwe khadi lanu linabedwa ndi munthu amene amadziwa PIN yanu. Popanda mabanki kuyika malire awa ochotsera, akaunti yanu yakubanki ikhoza kusinthidwa ndi wolakwayo.
Chifukwa chake malire ochotsera ATMwa amatha kukupulumutsani kuti musabere chilichonse chomwe muli nacho muakaunti yanu yakubanki.
Malire ochotsera ATM angakhale okhumudwitsa, koma ndi njira yabwino yotetezera ndalama zanu ngati wina akuba khadi lanu.
Komanso Werengani: Lipirani Kuti Mutsitse Mapulogalamu: Mndandanda wa Mapulogalamu Olipira Ndalamas
Kodi mungachotse zingati ku ATM Patsiku?
Malire anu ochotsera ndalama amatengera ndalama zomwe mumabanki. Banki iliyonse kapena mgwirizano wa ngongole uli ndi ndondomeko zake zikafika pa malire ochotsera tsiku ndi tsiku.
Ku United States, malire ochotsa ndalama pa ATM tsiku lililonse amachokera pa $300 mpaka $1,000. Malire ochotsera ATM angakhale osiyana m'dziko lanu kutengera ndondomeko za banki yanu. Mukadutsa malire anu ochotsera ATM tsiku lililonse, simungathe kutulutsa ndalama zambiri.
Mwambiri, malire anu ochotsera ATM angadalire mitundu yamaakaunti omwe muli nawo, komanso mbiri yanu yamabanki.
Mwachitsanzo, ngati ndinu kasitomala watsopano wa banki ndipo mwatsegula akaunti ya cheke, malire anu ochotsera ATM angakhale otsika.
Monga mukudziwa, maakaunti apadera monga kuwunika kwa ophunzira kapena kuyang'ana kachiwiri akhoza kukhala ndi malire ochotsera ndalama pa ATM.
Kodi mungachotse ndalama zingati ku ATM pa One Go?
Makina owerengera okha ali ndi zoletsa pa kuchuluka kwa ndalama zomwe zitha kuperekedwa pochotsa. Kumbukirani kuti malire ochotsera ndalama pa ATM tsiku lililonse akhoza kukhala osiyana ndi malire ogula tsiku lililonse.
Mwachitsanzo, ndondomeko yanu ya banki ikhoza kuchepetsa kuchoka kwanu ku ATM mpaka $ 400. Komabe, mutha kugula mpaka $4,000 ndi kirediti kadi yanu pa tsiku limodzi.
Mabanki amatha kuletsa kuchotsera kwa ATM ndi malire ogula kapena akhoza kuyika malire achitatu pa kuchuluka kwa ndalama zomwe mungatulutse ku akaunti yanu yakubanki patsiku.
Malire awa amakhazikitsidwa ndi mabanki kuti ndalama ziziyenda mosavuta komanso kuteteza maakaunti akubanki amakasitomala
Malire Ochotsera ATM Tsiku ndi Tsiku Ku Mabanki Apamwamba ku United States
Ku United States, mabanki ena amakulolani kuti mutenge ndalama zambiri ku akaunti yanu yochezera pa ATM.
Malire ochotsera ATM ndi osiyana kwa mabungwe akuluakulu azachuma komanso mabanki amdera.
Pansipa pali tchati chomwe chikuwonetsa malire ochotsera ATM tsiku lililonse kumabanki aku United States.
- Ally Bank - $ 1,000
- Bank of America - $ 1,000
- BMO Harris- $1,000
- Capital One - $ 1,000
- Chase Bank - $ 1,000
- Charles Schwab Bank - $ 1,000
- Citi- $1,500 mpaka $2,000
- Citizens Bank - $500
- Dziwani Bank- $510
- Banki Yachitatu - $810
- HSBC- $500 mpaka $1,000
- KeyBank- $300 mpaka $1,000
- Morgan Stanley Bank- $1,500 mpaka $5,000
- PNC Bank- $500 mpaka $1,500
- Madera Bank - $808
- TD Bank- $1,250 mpaka $1,500
Momwe Mungagwiritsire Ntchito Makina Owerengera Odzichitira (ATM)
Makina owerengera ndalama ndi zida zamagetsi zomwe zimapezeka m'mabanki. Makina awa amatha kukhala mkati kapena kunja kwa banki. Atha kupezekanso m'malo ogulitsira, malo ogulitsira, malo ogulitsira, malo opangira mafuta, ma eyapoti, malo odyera, kasino, etc.
Ma ATM ambiri omwe amagwiritsidwa ntchito m'mabanki ndi osiyana ndi a m'malesitilanti, ma casino, masitolo ogulitsa zakudya, ndi ma eyapoti. Ma ATM omwe ali m'mabanki amagwira ntchito zambiri, pomwe ma ATM ena m'masitolo ogulitsa zakudya amagwiritsidwa ntchito pochotsa ndalama zokha.
Kugwiritsa ntchito ATM kumakhala kokwanira mukakhala ndi kirediti kadi yanu yakubanki kapena ngongole. Zomwe muyenera kuchita ndikuyika khadi yanu mumakina, lembani PIN yanu ndikusankha mtundu wa akaunti yanu yakubanki kuti mumalize kuchitapo kanthu.
Malipiro a Makina Ojambulira (ATM).
Ngati mutachotsa ndalama pa ATM ya banki yanu, sipadzakhala ndalama zowonjezera. Koma mukatulutsa ndalama pa ATM ya banki ina, padzakhala ndalama zowonjezera.
Malinga ndi MoneyRates.com, chindapusa chochotsa ndalama ku ATM yakunja kwa intaneti ku United States ndi $4.55.
Mwini ATM
Tonse tikudziwa kuti ma ATM ndi a mabanki ndi mabungwe a ngongole. Izi sizikutanthauza kuti munthu payekha komanso mabizinesi sangathe kugula kapena kubwereketsa ma ATM. Atha kugula kapena kubwereketsa ma ATM pawokha kapena kudzera pa chilolezo cha ATM.
Mukachotsa ndalama ku ATM pamalo opangira mafuta, golosale, malo odyera, kapena malo ogulitsira, pamakhala chindapusa ndipo umu ndi momwe mabizinesi ang'onoang'onowa amapangira phindu.
Kodi Malire a Banki ATM Angawonjezeke Bwanji ku United States?
Mabanki ena amapereka malire ochotsera ATM mukangopempha. Mabanki awa amatha kukulitsa malire anu ochotsera ATM kwakanthawi ngati mukufuna kugula kapena kupita kutchuthi.
Kumbukirani, mtundu wa akaunti yanu umatsimikizira malire ochotsera ATM patsiku.
Kodi mumapanga bwanji deposit ku ATM?
Monga kasitomala ku banki, mutha kuyika ndalama kapena macheke kudzera mu imodzi mwama ATM ambiri ku banki yanu. Kodi mungasungire bwanji ndalama kapena cheke pa ATM? Chabwino, tiyeni tifufuze.
Pezani ma ATM aliwonse ogwirira ntchito ku banki yanu, kenako ingoikani ndalama kapena fufuzani mu ATM. Ma ATM ena kubanki angafunike kuti mudzaze slip ndi kuika ndalamazo mu envelopu musanaike ndalamazo mu ATM.
Onetsetsani kuti mukuvomereza kuseri kwa cheke yanu ndikulemba "Kwa Deposit Only" kuti mumveketse.
Ndi Banki Iti Idakhazikitsa Makina Ogulitsa Oyamba Odzichitira okha ku United States?
Pa Seputembala 2, 1969, anthu aku America adawona kukhazikitsidwa koyamba kwa ATM. ATM yoyamba ku United States idakhazikitsidwa ndi Chemical Bank ku Rockville Center, New York.
Asanakhazikitse ATM koyamba ku United States mu 1969, Barclays adayika kale ATM yoyamba ku United Kingdom.
Mafunso Ofunsidwa Kawirikawiri
Pansipa pali mafunso omwe amafunsidwa pafupipafupi za ndalama zomwe zili mu ATM.
Kodi ndingatengeko ndalama ku kirediti kadi yanga?
Khadi la kirediti kadi la kirediti kadi limalola anthu kuti atenge ndalama pamlingo wawo wangongole. Kutenga ndalama zomwe zaperekedwa kuchokera ku kirediti kadi kungapangitse APR yokwera komanso chindapusa chandalama.
Kodi ndingadziwe bwanji malire anga ochotsera ATM?
Mutha kudziwa malire anu ochotsera ATM polowa mu pulogalamu yanu yakubanki yapaintaneti kapena yam'manja. Imbani banki yanu kuti mudziwe kuchuluka kwa ndalama zomwe mungatenge pa ATM tsiku lililonse ngati simukuwona malire mutalowa mu pulogalamu yanu yam'manja.
Ndi banki iti yomwe ili ndi malire apamwamba kwambiri ochotsera ATM?
Pakadali pano, Morgan Stanley Bank ili ndi imodzi mwamalire apamwamba kwambiri a ATM ndipo mutha kutulutsa mpaka $1,500 mpaka $5,000 patsiku. Kumbukirani kuti mutha kungochotsa ndalama zambiri kutengera mtundu wa akaunti yanu.
Mabanki ena omwe amakulolani kuchotsa ndalama zambiri ku ATM ndi Bank of America, BMO Harris, Capital One, Charles Schwab Bank, Citi, HSBC, ndi TD Bank.
Kutsiliza
Chiyambireni kupangidwa kwa makina owerengera okha chakumapeto kwa zaka za m'ma 1960, kuchotsa ndalama kwakhala kosavuta kwa makasitomala. Mabanki si malo omwe makina opangira ndalamawa amapezeka. Amapezekanso m’malo amene anthu amafunika kugula zinthu.
Kuchuluka kwa ndalama mu ATM kumatha kufika $200,000 ndipo mutha kungopeza ndalama zambiri kutengera mtundu wa akaunti yanu.
malangizo
- Ndemanga Zapamwamba za Edubirdie 2022 ndi Akatswiri Amaphunziro Amakampani
- Ntchito 10 Zapamwamba Zogulitsa Padziko Lonse
- Momwe Mungapezere Zolemba pa Facebook App ya Ophunzira
- Njira Zophunzitsira Maluso a Utsogoleri wa Ophunzira
- 10 Best Audition Monologues kwa Osewera: Zonse zomwe muyenera kudziwa
Siyani Mumakonda