Uri kutsvaga mabhangi akachengeteka muUS uye akavimbika masangano emari ane chengetedzo yakanakisa? Tarisa uone iyi positi kuti uwane yakanakisa zvemari institution ine zvakanakisa zvirongwa zvemari yako.
United States imusha kune akati wandei masangano emari uye chishuwo chemugari wega wega ndechekubhanga nemasangano akavimbika. Angave mabhangi ezvitoro, mabhanga ekutengeserana kana emakambani, kana mabhangi ekudyara, chinangwa chinoramba chiri kubhanga nemasangano akanakisa uye akachengeteka.
Zvino, ndeapi mabhangi akachengeteka muUS, ane chengetedzo yakanakisa kana zvasvika pakuchengetedza mari yako?
Muchinyorwa chino, takanyora mabhangi eUnited States ane hwaro hwakavimbika uye hwakavimbika hwekuchengetedza mari yako.
Asi tisati tanyora mabhanga akachengetedzeka muUnited States kubhengi nawo, ngatitaure nezve nzira yekuziva kana bhangi rakachengeteka.
Maziviro eBhangi Rakachengeteka uye Rakavimbika
Kazhinji, hauzombooni maneja webhangi achiudza vatengi kuti bhangi harina kuchengeteka. Bhengi rega rega raunopinda mariri rinogara richikuudza kuti zvakachengeteka kubhanga naro.
Bhizinesi rebhangi nderekuwana kuvimba kwako, zvisinei kuti vakazviwana here kana kuti kwete. Wakashandira mari yako uye kana uchizovimba nesangano rezvemari nemari yako, kuita tsvakiridzo shoma kwakakosha.
Kuita tsvakiridzo kudiki kuchakubatsira kuti usarudze kana uchifanira kubhanga nerimwe bhangi kana kuti kwete.
Saka, ndezvipi zvinhu zvakakosha zvekutarisisa pakusarudza sangano rezvemari rekubhengi naro?
Hezvino zvinhu zvishoma zvekufunga usati wafunga kana zvakakodzera kuchengetedza mari yako nechero sangano rezvemari.
Uyewo Verenga: 20 Mabhangi Akanakisisa muUS muna 2024
zera
Chinhu chekutanga kufunga pakusarudza sangano rezvemari ihukuru. Ehe, saizi yemabhangi zvine basa uye heino chikonzero.
Zviri nani kusarudza bhanga guru renyika pane diki. Kuenda kumabhangi makuru kunopa vimbiso yekuti mari yako yakachengeteka. Kazhinji, mabhanga makuru ane matura akakura, zviwanikwa zvakawanda uye mamwe masosi emari.
Pamusoro pezvo, ivo vane dzimwe sarudzo dzekupora kubva pakurasikirwa kupi nekupi. Mabhangi mahombe ave aripo kwenguva yakareba uye zviitiko zvavakaunganidza mumakore apfuura maturusi ehungwaru ekutarisana nechero dambudziko.
Zvino, kana pane a mamiriro emari dambudziko, mabhanga makuru anogona kuwana rubatsiro kubva kuhurumende pane madiki. Uyu mukana wavanawo pamusoro pemabhangi madiki, sezvavainazvo uye vanoshandira vatengi vazhinji kazhinji.
FDIC Inishuwarenzi
Kazhinji, FDIC inishuwarenzi inochengetedza mari yako uye chero mari yawakaisa mubhangi. Kana chimwe chinhu chiri kubhangi rauri kubhengi naro, FDIC inishuwarenzi iripo kuchengetedza mari yako.
NCUA Inishuwarenzi inoita basa rimwechete kune zvikwereti zvekwereti.
ongorora
Zvakakosha kuziva zvinofungwa nevamwe vatengi usati wafunga kubhanga nesangano rezvemari. Wongororo kana maonero emutengi anogona kunge aine zvakawanda zvekukuudza nezverimwe bhanga.
Mabatiro evatengi
Gara uchitsvaga masangano emari ane basa rakanaka revatengi. Vashandi vebhangi vanofanira kukwanisa kuita zvaunoda kana mibvunzo ine chekuita nemari yako.
Iwe wakawana dhora rega rega uye sarudza kuvimba nebhangi nemari yako, zvishoma iwe zvaunofanira kutarisira ibasa revatengi rakashata.
The Safest Banks List kubva Global Finance
Kweanopfuura makumi matatu emakore ikozvino, Global Finance yakaburitsa chinyorwa chegore chinotiratidza mabhanga akachengeteka pasi rose. Zvinosuruvarisa, mazhinji emabhangi aya haasi muUnited States.
Digital Security Features
Mabhangi akachengeteka muUS ane chengetedzo yakanakisa achashandisa madhijitari kuchengetedza mari dzevatengi. Iwo madhijitari ekuchengetedza maficha anosanganisira encryption yedata, multi-factor authentication, hutsotsi ziviso, uye nenguva yekubuda.
Pazasi pane mamwe matanho ekuchengetedza ayo mabhangi anogona kufunga.
Debit Card Kuvharira
Iyi ficha inobvumira vatengi kudzima kure kadhi ravo rekubhengi kudzivirira chero mhando yekuba kwemagetsi.
Guarantee against Unauthorised Access
Mumamiriro ezvinhu apo mari inorasika nekuda kwehutsotsi hwekuita muakaundi yako, bhangi rinofanira kubvuma kukudzosera.
EMV Chips
Iyi ndiyo goridhe kana sirivheri chip inowanzoonekwa mumakadhi echikwereti mazhinji. Makadhi ane machipisi akachengeteka pane kutsvaira makadhi ako uye unowana aya makadhi akachengeteka kubva kubhangi rako.
Nhamba dzeKadhi rekushandisa kamwe chete
Nhamba yekadhi yekushandisa kamwe chete ingangove iyo mutsauko wekuti ruzivo rwako rubviswe kana kubirwa uchitenga online.
10 Mabhangi Akachengeteka muUS ane Kuchengetedzwa Kwakanyanya
Pazasi pane rondedzero yemabhangi akachengeteka muUnited States ane chengetedzo yakanakisa. Aya mabhanga masangano emari akavimbika ane hwaro hwakasimba uye mamwe anga aripo kwemakore anopfuura zana.
# 1. JPMorgan Chase
JPMorgan Chase ndiro sangano guru rezvemari munyika. Parizvino, Iri zvakare bhangi rakakura kwazvo pasi rose nemusika capitalization.
Patakataura nezvekubhengi nemabhanga makuru pane madiki, taive nezvikonzero zvedu. JPMorgan Chase ndiro bhanga guru reAmerica uye femu yakanyatsokosheswa neFinancial Stability Board.
JPMorgan Chase parizvino inotungamirwa kuMidtown Manhattan, New York uye inosanganisirwa muDelaware. Kana iyo JPMorgan Chase Building ichinge yapedzwa ne2025, iyo yakasimba inotamira kumuzinda wayo mutsva.
Nhoroondo yekambani iyi inotora makore anopfuura 100 apfuura. Yakanga iri muna 1871 apo JP Morgan & CO yakagadzwa naJP Morgan. Akatangisa Imba yaMorgan, iyo yakave muchengeti wenyika wekudyara, kutengeserana, uye masevhisi emabhangi akazvimirira.
Musi waZvita 1, 2000, JPMorgan Chase & Co. yakaumbwa mushure mekubatanidzwa kwemafemu maviri akafanotangira.
Kubva muna 2023, JPMorgan Chase ine asset inodarika madhora mazana matatu neshanu emadhora. Kune anopfuura zviuru zvina nemazana manomwe mapazi kunze uko uye anopfuura zviuru gumi nematanhatu maATM ari eJPMorgan Chase.
Uyewo Verenga: 15 Akanakisa Mabhangi eNyika muAmerica muna 2024
#2. US Bank
Heino rimwe bhanga rinoonekwa sebhangi rakarongeka rakakosha neFederal Stability Board.
US Bank nderimwe remabhanga akachengetedzeka eAmerica ari muMinneapolis, Minnesota uye akabatanidzwa muDelaware. Iyi sangano rezvemari dzimwe nguva inonzi US Bancorp.
Inyika yechishanu pakukura kwebhangi institution uye inopa akati wandei mabasa emari. Sekambani, US Bancorp inopa mari, kubhengi, mbanje, kuvimba, pamwe nekubhadhara masevhisi zvigadzirwa kune bhizinesi, masangano ehurumende, uye vanhuwo zvavo.
pari US Bank ine mapazi anopfuura 3,000 4,800 muUnited States yose. Angangoita XNUMX maATM eUS Bank ari kuMadokero neMidwest United States.
US Bancorp ine asset inofungidzirwa pamadhora mazana matanhatu nemazana matanhatu emadhora.
# 3. PNC Bank
PNC Bank nderimwe remabhanga akanakisa uye akachengeteka muUS ane chengetedzo yakanakisa. Ibhanga rekuAmerica rinoshanda mumatunhu makumi maviri nemanomwe neWashington DC
Huwandu hwemapazi ePNC munzvimbo makumi maviri nenomwe uye DC i27. PNC Bank zvakare ine pamusoro pe2,629 automated teller machines muUnited States yose. Iyo midziyo yePNC Bank inofungidzirwa pamadhora mazana mashanu nemakumi mashanu nenomwe emadhora, zvichiita kuti ive pamabhanga makuru eUnited States nemidziyo.
#4. Citibank
Citibank ndeimwe yemasangano emari muAmerica. Sekureva kwemishumo, Citibank yakavambwa muna 1812 pakutanga seGuta Bank reNew York.
Kwemakore yakava First National City Bank yeNew York. Nhasi, inozivikanwa zviri pamutemo seCitibank uye inoshanda munyika gumi nepfumbamwe pasirese.
Nhamba yose yematavi eCitibank kumativi ose eUnited States ndeye 723. Mapazi ayo e1,494 muMexico anoshandiswa neBanamex.
Iwe uchawana mapazi eCitibank mumaguta akaita seNew York, Washington DC Miami, Chicago, Los Angeles, uye San Francisco.
# 5. Wells Fargo
Wells Fargo nderimwe remabhanga eAmerica akachengeteka, sangano rezvemari rakavimbika rine chengetedzo yakanakisa yevagari vemuUS kuchengetedza mari yavo. Haisi muUnited States chete iyo Wells Fargo inoshanda, inoshandawo munyika makumi matatu neshanu pasirese.
Pasi rose, Wells Fargo ine vatengi vanosvika mamirioni makumi manomwe. Uye sezvakangoita JPMorgan Chase & Co, Wells Fargo inoonekwawo seyakarongeka yakakosha sangano rezvemari neFederal Stability Board.
Tichifunga nezvezvinhu zvakazara, Wells Fargo ndiro bhanga rechina rakakura munyika. Iri zvakare rimwe remabhangi makuru sekuverengerwa nebhangi dhipoziti uye capitalization yemusika.
Huwandu hwematavi eWells Fargo hunosvika zviuru zvisere. Angangoita 8,050 maATM ane Wells Fargo akapararira muUnited States.
# 6. Capital One
Inotevera pane yedu runyorwa rwemabhangi akachengeteka muUS ane chengetedzo yakanakisa ndeye Capital One.
Yakavambwa muna 1994, Capital One iri pane rondedzero yemabhanga makuru eAmerica uye nekufamba kwemakore, vakavaka mukurumbira mukuru sebhanga rinotarisa tekinoroji.
pari Capital One ine mapazi anenge 755 nemichina inosvika 2,000 XNUMX inobudisa mari muUnited States yose.
Pakazosvika 2016, Capital One yaive yechishanu yakakura kupa kadhi rechikwereti, ichingouya kuseri kweBank of America, American Express, Citigroup, uye JPMorgan Chase.
Kubva 2022, Capital One ine asset ye444.2 bhiriyoni.
#7. Nhoroondo ye M&T Bank Corporation
Yakatangwa 1856, Nhoroondo ye M&T Bank Corporation nderimwe remabhanga ekare emuAmerica. Inoshanda mumatunhu gumi nemaviri munyika yose, kunyanya muEastern United States.
Kazhinji, M&T Bank Corporation ine mapazi anopfuura chiuru mumatunhu gumi nemaviri aya. Bhengi rinotora chinzvimbo che12 paFortune 519 runyorwa zvichibva pamari ya500.
May 1998 asati asvika, M&T Bank Corporation yaimbonzi First Empire State Corporation.
Uyewo Verenga: 10 Mabhangi Akanakisisa muTennessee muna 2024
#8. CoBank
Yakavambwa muna 1989 uye inotungamirwa muGreenwood Village Denver, Colorado, CoBank isangano rechikwereti rekurima kunze kwenyika.
Icho zvakare chikamu cheUS Farm Chikwereti System inopa zvikwereti, pamwe nemari masevhisi kumabhizimusi ezvekurima, macooperatives, uye zvekumaruwa zvinoshandiswa neveruzhinji.
Kubva muna 2022, CoBank yaive nehupfumi hwemadhora zana nemakumi masere nematatu.
#9. AgFirst
AgFirst inoshanda semukweretesi mukuru uye anopa kunetiweki yemasangano ezvikwereti emapurazi munzvimbo gumi neshanu dzekuMabvazuva nekumaodzanyemba muAmerica, kusanganisira Washington DC nePuerto Rico.
Bhanga iri rakaumbwa mushure mekubatanidzwa kweFarm Credit Bank yekuColumbia neFarm Credit Bank yekuBaltimore.
Sokuziva kwenyu, mukweretesi ndewe mushandira pamwe nemasangano makumi maviri nemaviri emuno.
Varimi vanodarika zviuru makumi manomwe nezvipfumbamwe vanobatsirikana nemasangano aya. Ivo vanopa zvivakwa uye mari yekugadzira kwete chete kune vanopfuura 79,000 varimi, asi kune agribusiness, pamwe nevaridzi vekumaruwa.
AgFirst inoita kuti ive yedu runyorwa rwemabhangi akachengeteka muUS ane chengetedzo yakanakisa.
#10. AgriBank
Kuve nhengo yeUS Farm Chikwereti System, AgriBank inobatsira masangano emunharaunda echikwereti emapurazi munzvimbo gumi neshanu munyika.
Sezvakaita AgFirst, AgriBank yakaumbwawo nekubatanidza Farm Credit Bank yeSaint Paul neFarm Credit yeSaint Louis muna 1992.
Nhasi, mari yese yeAgriBank inofungidzirwa pamadhora mabhiriyoni zana nemakumi mashanu nerimwe.
mhedziso
Zvinogara zvakakosha kuita tsvakiridzo shoma usati waisa mari yako kune chero bhanga. Iwe unofanirwa kuve nechokwadi chekuti bhangi rauri kuda kubhanga naro rine hwaro hune mukurumbira.
Isu takanyora mabhangi akachengetedzeka muUS ane chengetedzo yakanakisa, saka ita shuwa yekubhanga nechero yemasangano emari pane iyi runyorwa.
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