Kodi mukuyang'ana mabanki otetezeka kwambiri ku US ndi mabungwe azachuma odalirika okhala ndi chitetezo chabwino kwambiri? Onani positi iyi kuti mupeze bungwe labwino kwambiri lazachuma lomwe lili ndi mapulani abwino kwambiri andalama zanu.
United States ili ndi mabungwe angapo azachuma ndipo chidwi cha nzika iliyonse ndikumabanki ndi mabungwe odalirika. Kaya ndi mabanki ogulitsa, mabanki azamalonda kapena makampani, kapena mabanki osungitsa ndalama, cholinga chimakhalabe ku banki ndi mabungwe abwino kwambiri komanso otetezeka.
Tsopano, ndi mabanki ati otetezeka kwambiri ku US, omwe ali ndi chitetezo chabwino kwambiri pankhani yoteteza ndalama zanu?
M'nkhaniyi, talemba mabanki ku United States omwe ali ndi maziko odalirika komanso odalirika osungira ndalama zanu.
Koma tisanatchule mabanki otetezeka kwambiri ku United States kuti asungidwe nawo, tiyeni tikambirane za momwe tingadziwire ngati banki ili yotetezeka.
Momwe Mungadziwire Banki Yotetezeka Ndi Yodalirika
Nthawi zambiri, simudzawona woyang'anira banki akuwuza makasitomala kuti banki ilibe chitetezo. Banki iliyonse yomwe mumalowamo nthawi zonse imakuuzani kuti ndi zotetezeka kubanki nawo.
Bizinesi yaku banki ndikupeza chidaliro chanu, mosasamala kanthu kuti apeza kapena ayi. Mwagwirira ntchito ndalama zanu ndipo ngati mungakhulupirire bungwe lazachuma ndi ndalama zanu, kufufuza pang'ono ndikofunikira.
Kuchita kafukufuku pang'ono kudzakuthandizani kusankha ngati mukuyenera kubanki ndi banki inayake kapena ayi.
Ndiye, ndi zinthu ziti zofunika kuziganizira posankha bungwe lazachuma loti mugwiritse ntchito kubanki?
Nazi zinthu zingapo zomwe muyenera kuziganizira musanasankhe ngati kuli koyenera kusunga ndalama zanu ndi bungwe lililonse lazachuma.
Komanso Werengani: 20 Mabanki Abwino Kwambiri ku US mu 2024
kukula
Chinthu choyamba choyenera kuganizira posankha bungwe lazachuma ndi kukula. Inde, kukula kwa mabanki ndikofunikira ndipo chifukwa chake.
Ndikwabwino kusankha banki yayikulu kuposa yaing'ono. Kupita ku mabanki akuluakulu kumapereka chitsimikizo kuti ndalama zanu ndi zotetezeka. Nthawi zambiri, mabanki akuluakulu amakhala ndi nkhokwe zazikulu, zochulukirapo komanso njira zambiri zopezera ndalama.
Kuphatikiza apo, ali ndi zosankha zambiri kuti achire kutayika kulikonse. Mabanki akuluakulu akhalapo kwa nthawi yayitali ndipo zomwe akumana nazo pazaka zambiri ndi zida zanzeru zothetsera vuto lililonse.
Tsopano, ngati pali a mkhalidwe wachuma zovuta, mabanki akuluakulu amatha kulandira thandizo kuchokera ku boma kusiyana ndi ang'onoang'ono. Uwu ndi mwayi womwe ali nawo kuposa mabanki ang'onoang'ono, monga momwe amachitira ndikutumikira makasitomala ambiri nthawi zambiri.
Inshuwaransi ya FDIC
Nthawi zambiri, inshuwaransi ya FDIC imateteza ndalama zanu ndi ndalama zilizonse zomwe mudayika kubanki. Ngati pali china chake kubanki yomwe mukubanki, inshuwaransi ya FDIC ilipo kuti muteteze ndalama zanu.
NCUA Inshuwalansi imagwiranso ntchito mofananamo kwa mabungwe a ngongole.
Review
Ndikofunika kudziwa maganizo a makasitomala ena musanasankhe kubanki ndi mabungwe azachuma. Ndemanga kapena malingaliro a kasitomala angakhale ndi zambiri zoti akuuzeni za banki inayake.
Thandizo lamakasitomala
Nthawi zonse yang'anani mabungwe azachuma omwe ali ndi makasitomala abwino. Ogwira ntchito ku banki akuyenera kukuthandizani pazosowa zanu kapena mafunso okhudzana ndi ndalama zanu.
Mwapeza dola iliyonse ndikusankha kudalira banki ndi ndalama zanu, zomwe muyenera kuyembekezera ndi kusakhazikika kwamakasitomala.
The Safest Banks List kuchokera ku Global Finance
Kwa zaka zopitilira makumi atatu tsopano, Global Finance yatulutsa mndandanda wapachaka wotiwonetsa mabanki otetezeka kwambiri padziko lonse lapansi. Tsoka ilo, ambiri mwa mabankiwa sali ku United States.
Digital Security Features
Mabanki otetezeka kwambiri ku US omwe ali ndi chitetezo chabwino kwambiri adzagwiritsa ntchito zida za digito kuti ateteze ndalama zamakasitomala. Zida zachitetezo cha digito zikuphatikiza kubisa kwa data, kutsimikizika kwazinthu zambiri, zidziwitso zachinyengo, ndi kutuluka munthawi yake.
Pansipa pali njira zambiri zotetezera zomwe mabanki angaganizire.
Kuletsa Makhadi a Debit
Izi zimathandiza makasitomala kuletsa kirediti kirediti kadi yawo kuti apewe kuba pakompyuta.
Chitsimikizo chotsutsa Kufikira Mwachisawawa
Pamene ndalama zatayika chifukwa cha chinyengo mu akaunti yanu, banki iyenera kuvomereza kukubwezerani ndalama.
EMV Chips
Ichi ndi tchipisi chagolide kapena siliva chomwe chimawonedwa nthawi zambiri m'makhadi ambiri angongole. Makhadi okhala ndi tchipisi ndi otetezeka kuposa kusuntha makadi anu ndipo mumapeza makhadi otetezekawa kubanki yanu.
Nambala Yamakhadi Ogwiritsa Ntchito kamodzi
Nambala yakhadi yogwiritsira ntchito kamodzi ndiyomwe ingakhale kusiyana kwakuti zambiri zanu zitayike kapena kubedwa mukagula pa intaneti.
Mabanki 10 Otetezeka Kwambiri ku US okhala ndi Chitetezo Chabwino Kwambiri
Pansipa pali mndandanda wamabanki otetezeka kwambiri ku United States omwe ali ndi chitetezo chabwino kwambiri. Mabankiwa ndi mabungwe azachuma odalirika okhala ndi maziko olimba ndipo ena akhalapo kwa zaka zopitilira 100.
# 1. JPMorgan Chase
JPMorgan Chase ndi bungwe lalikulu lazachuma mdziko muno. Pakadali pano, Ndiwonso banki yayikulu kwambiri padziko lonse lapansi ndi capitalization yamsika.
Tikamakamba za kubanki ndi mabanki akuluakulu osati ang'onoang'ono, tinali ndi zifukwa zathu. JPMorgan Chase ndi banki yayikulu kwambiri ku America ndipo kampaniyo ndiyofunikira mwadongosolo ndi Financial Stability Board.
JPMorgan Chase pano ali ku Midtown Manhattan, New York ndipo akuphatikizidwa ku Delaware. Nyumba ya JPMorgan Chase ikamalizidwa ndi 2025, kusamukira ku likulu lawo latsopano.
Mbiri ya kampaniyi idayamba zaka zoposa 100 zapitazo. Munali mu 1871 pamene JP Morgan & CO inakhazikitsidwa ndi JP Morgan. Adakhazikitsa Nyumba ya Morgan, yomwe idakhala yoyang'anira ndalama, zamalonda, ndi mabanki achinsinsi.
Pa Disembala 1, 2000, JPMorgan Chase & Co. idapangidwa pambuyo pa kuphatikiza kwamakampani awiri omwe adatsogolera.
Pofika 2023, JPMorgan Chase ali ndi chuma chopitilira $3.5 thililiyoni. Pali nthambi zopitilira 4,700 ndi ma ATM opitilira 16,000 a JPMorgan Chase.
Komanso Werengani: 15 Mabanki Abwino Kwambiri ku America mu 2024
#2. US Bank
Nayi banki ina yomwe imawonedwa ngati banki yofunikira mwadongosolo ndi Federal Stability Board.
US Bank ndi imodzi mwamabanki otetezeka kwambiri ku America omwe ali ku Minneapolis, Minnesota komanso ophatikizidwa ku Delaware. Bungwe lazachumali nthawi zina limatchedwa US Bancorp.
Ndilo banki yachisanu padziko lonse lapansi ndipo imapereka chithandizo chandalama zingapo. Monga kampani, US Bancorp imapereka ndalama, mabanki, ngongole zanyumba, chidaliro, komanso ntchito zolipira kubizinesi, mabungwe aboma, ndi anthu pawokha.
panopa, US Bank ili ndi nthambi zoposa 3,000 ku United States. Pafupifupi ma ATM 4,800 a US Bank ali ku Western ndi Midwest United States.
US Bancorp ili ndi katundu woyerekeza $601 biliyoni.
# 3. Banki ya PNC
PNC Bank ndi imodzi mwamabanki abwino kwambiri komanso otetezeka ku US omwe ali ndi chitetezo chabwino kwambiri. Ndi banki yaku America yomwe imagwira ntchito m'maboma 27 ndi Washington DC
Chiwerengero cha nthambi za PNC m'maboma 27 ndi DC ndi 2,629. PNC Bank ilinso ndi makina owerengera okha opitilira 9,500 ku United States. Chuma cha PNC Bank chikuyerekezedwa pa $ 557 biliyoni, ndikupangitsa kuti ikhale pamndandanda wamabanki akulu kwambiri ku United States ndi katundu.
#4. Citibank
Citibank ndi amodzi mwa mabungwe akale azachuma ku America. Malinga ndi malipoti, Citibank idakhazikitsidwa ku 1812 koyambirira ngati City Bank of New York.
Kwa zaka zambiri idakhala First National City Bank of New York. Masiku ano, imadziwika kuti Citibank ndipo imagwira ntchito m'maiko 19 padziko lonse lapansi.
Chiwerengero cha nthambi za Citibank kudutsa United States ndi 723. Nthambi zake za 1,494 ku Mexico zikugwiritsidwa ntchito ndi Banamex.
Mupeza nthambi za Citibank m'mizinda ngati New York, Washington DC Miami, Chicago, Los Angeles, ndi San Francisco.
# 5. Wells Fargo
Wells Fargo ndi amodzi mwa mabanki otetezeka kwambiri ku America, bungwe lazachuma lodalirika lomwe lili ndi chitetezo chabwino kwambiri kwa nzika zaku US kuti zisunge ndalama zawo. Si ku United States kokha komwe Wells Fargo imagwira ntchito, imagwiranso ntchito m'maiko 35 padziko lonse lapansi.
Padziko lonse lapansi, Wells Fargo ali ndi makasitomala pafupifupi 70 miliyoni. Ndipo monga JPMorgan Chase & Co, Wells Fargo amawonedwanso ngati bungwe lazachuma lofunika mwadongosolo ndi Federal Stability Board.
Poganizira chuma chonse, Wells Fargo ndiye banki yachinayi yayikulu mdziko muno. Ndi imodzi mwamabanki akuluakulu omwe amawerengedwa ndi banki ya banki ndi capitalization ya msika.
Chiwerengero chonse cha nthambi za Wells Fargo ndi pafupifupi 8,050. Pafupifupi ma ATM 13,000 a Wells Fargo amwazikana ku United States.
# 6. Likulu Loyamba
Chotsatira pamndandanda wathu wamabanki otetezeka kwambiri ku US omwe ali ndi chitetezo chabwino kwambiri ndi Capital One.
Yakhazikitsidwa mu 1994, Capital One ili pamndandanda wamabanki akulu aku America ndipo kwazaka zambiri, adzipangira mbiri yabwino ngati banki yokhazikika paukadaulo.
panopa, Capital One ili ndi nthambi pafupifupi 755 ndi makina owerengera ndalama okwana 2,000 ku United States.
Pofika chaka cha 2016, Capital One inali yachisanu yopereka makadi akuluakulu a kirediti kadi, ikungobwera kumbuyo kwa Bank of America, American Express, Citigroup, ndi JPMorgan Chase.
Pofika 2022, Capital One ili ndi chuma cha $ 444.2 biliyoni.
#7. Malingaliro a kampani M&T Bank Corporation
Kukhazikika mu 1856, Malingaliro a kampani M&T Bank Corporation ndi imodzi mwa mabanki akale kwambiri ku America. Imagwira ntchito m'maboma 12 m'dziko lonselo, makamaka ku Eastern United States.
Nthawi zambiri, M&T Bank Corporation ili ndi nthambi zopitilira chikwi m'maboma 12 awa. Banki ili pa 519th pamndandanda wa Fortune 500 kutengera ndalama za 2021.
May 1998 asanafike, M&T Bank Corporation poyamba inkatchedwa First Empire State Corporation.
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#8. CoBank
Yakhazikitsidwa mu 1989 ndipo likulu lake ku Greenwood Village Denver, Colorado, CoBank ndi bungwe lobwereketsa ngongole zaulimi.
Ndilinso gawo la US Farm Credit System yomwe imapereka ngongole, komanso thandizo lazachuma kwa mabizinesi ang'onoang'ono, ma cooperative, ndi mabungwe akumidzi.
Pofika 2022, CoBank inali ndi chuma cha $ 183 biliyoni.
#9. AgChoyamba
AgFirst imagwira ntchito ngati wobwereketsa komanso wopereka ndalama kugulu la mabungwe am'mafamu am'deralo m'maboma 15 Kum'mawa ndi Kumwera ku America, kuphatikiza Washington DC ndi Puerto Rico.
Bankiyi idapangidwa pambuyo pa kuphatikiza kwa Bank Credit Bank yaku Columbia ndi Bank Credit Bank yaku Baltimore.
Monga mukudziwa, wobwereketsayo ali ndi mgwirizano ndi mabungwe am'deralo makumi awiri ndi awiri.
Alimi oposa 79,000 amapindula ndi mabungwewa. Amapereka ndalama zogulira malo ndi zopangira osati kwa alimi opitilira 79,000 okha, koma kwa agribusiness, komanso eni nyumba akumidzi.
AgFirst imafika pamndandanda wathu wamabanki otetezeka kwambiri ku US okhala ndi chitetezo chabwino kwambiri.
#10. AgriBank
Pokhala membala wa US Farm Credit System, AgriBank imathandizira mabungwe am'mafamu am'deralo m'maboma khumi ndi asanu mdziko muno.
Monga AgFirst, AgriBank idapangidwanso pophatikiza Bank Credit Bank ya Saint Paul ndi Farm Credit ya Saint Louis mu 1992.
Masiku ano, ndalama zonse za AgriBank zikuyerekeza $151 biliyoni.
Kutsiliza
Nthawi zonse ndikofunikira kuchita kafukufuku pang'ono musanapereke ndalama zanu kubanki iliyonse. Muyenera kuwonetsetsa kuti banki yomwe mukufuna kubanki ili ndi maziko odalirika.
Talemba mabanki otetezeka kwambiri ku US omwe ali ndi chitetezo chabwino kwambiri, choncho onetsetsani kuti mukubanki ndi mabungwe azachuma omwe ali pamndandandawu.
Siyani Mumakonda