Ukuba uyazibuza ukuba yimalini ephethwe yi-ATM kunye nokuba basebenza njani aba matshini, siza kuxoxa kanye oko kwesi sikhokelo.
Oomatshini bokukhupha imali (ATM) zizixhobo zombane ezenza ukutsala imali kube lula kubathengi ezibhankini. Ukususela ekuvelisweni kwee-ATM, abathengi banokugqiba ukuthengiselana ngokulula ngaphandle kokuya kummeli wesebe okanye umthengisi.
Ngekhadi lakho letyala okanye ledebhithi, unokutsala imali kwi-ATM kwaye wenze iintlawulo xa uthenga.
Ngokubanzi, ezinye ii-ATM zinikezela ngemali nje, ngelixa ezinye ii-ATM zivumela abathengi ukuba benze imicimbi efana nediphozithi yetshekhi, iintlawulo zebhili, kunye neediphozithi zesheke. Ezi ziimpawu ezintsha zee-ATM ukusukela oko zayilwa ekupheleni koo-1960.
Kodwa umbuzo esifuna ukunika impendulo kuwo kukuba yimalini ekwi-ATM. Phambi kokuba sicacise ngombandela, makhe sijonge ukuba yintoni na i-ATM.
Yintoni i-ATM?
Umatshini wokuxela ngokuzenzekelayo (ATM) sisixhobo sombane esivumela abathengi ukuba bagqibe ukuthengiselana kwiibhanki. Ii-ATM kulula ukuzisebenzisa, xa sele unekhadi lakho letyala okanye ledebhithi.
Umatshini wokukhupha imali wasungulwa ekupheleni kweminyaka yoo-1960 eUnited States. NgoSeptemba 2, 1969, umatshini wokuqala wokuxela (ATM) waziswa eluntwini.
KwakuseChemical Bank eRockville, eNew York apho umatshini wokuqala osebenza ngokuzisebenzela wakhupha imali kubathengi. Ngowe-1980, oomatshini bokukhupha imali babesele bexhaphakile eUnited States. Aba matshini bemali babesenza umsebenzi wokubala abantu ezibhankini, njengokudluliswa kwemali phakathi kweeakhawunti neesheke.
Ukususela ekuvelweni kwe-ATM, kubekho uhlaziyo olutsha kumatshini okhupha imali. Namhlanje, ii-ATM ziyakwazi ukwamkela iidiphozithi zemali, kunye nokwenza ezinye izinto ezibalulekileyo.
Nge-ATM, abathengi banokudlulisela imali kwezinye iiakhawunti, bafake imali, kwaye bahlawule amatyala.
Nje ukuba uyazi, umatshini wokuxela ngokuzenzekelayo (ATM) ukwabizwa ngokuba ngumatshini wemali ngesiNgesi saseBritane kunye nomatshini webhanki ozenzekelayo (ABM) eCanada.
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Iindidi zoomatshini bokuTela abazenzelelayo (ii-ATM)
Ngokubanzi, kukho iindidi ezimbini zoomatshini abazenzelayo (ATM). Kukho iyunithi esisiseko kunye noomatshini bokuxela okuzenzekelayo.
Ngee-ATM zeyunithi ezisisiseko, unokutsala imali kuphela kwaye ufumane iibhalansi zeakhawunti ezihlaziyiweyo. Oyena matshini unzima kakhulu wokuxela i-automated ikuvumela ukuba ufake imali, wenze udluliselo, uququzelele umgca wokuhlawulwa kwetyala, kunye nokufikelela kulwazi lweakhawunti.
Ukuze ufikelele kwiimpawu eziphambili zeyunithi enzima, kufuneka ube ngumnini-akhawunti webhanki engumnini matshini.
Abahlalutyi baqikelela ukuba ii-ATM ziya kuthandwa ngakumbi kwixesha elizayo. Sele zingaphaya kwezigidi ezibini ii-ATM kwihlabathi liphela kwaye ezinye ziya kufakwa kwiindawo ezibalulekileyo.
Kwixesha elizayo, oomatshini bokuxela okuzenzekelayo banokuthi baqhubele phambili ngakumbi kunoko sinakho namhlanje ezibhankini. Ii-ATM zexesha elizayo zinokuvumela abantu ukuba bathenge kwaye bathengise i-Bitcoin kunye nezinye ii-cryptocurrencies nge-Bitcoin ATM. Ezi ATM zexesha elizayo ziya kukwazi ukukhupha imali ngokutshintshiselana nge-crypto.
Izinto zoYilo lomatshini wokuThengisa oZizenzekelayo
I-ATM ibamba isixa esithile semali kwaye ziyilwe ngokwahlukileyo, kodwa zisebenza ngendlela efanayo. Makhe sijonge iindawo eziphambili zomatshini wokuxela.
Umfundi weKhadi
Umfundi wekhadi kwi-ATM yinxalenye efunda itshiphu engaphambili kwidebhithi okanye ikhadi letyala okanye umgca wemagnethi ongasemva ekhadini.
Ikhiyidi
Iphedi yamaqhosha ivumela abathengi ukuba bafake iNombolo yabo yeSazisi soBuqu (i-PIN), ukugqiba iintengiselwano. Nje ukuba ufake ikhadi lakho kwi-ATM, kuya kufuneka ucofe iqhosha elifanelekileyo ukuze ugqibezele intengiselwano yakho.
Umkhuseli wemali
Le yinxalenye ye-ATM eqhagamshelwe kwindawo ekhuselekileyo esezantsi kumatshini. Iibhili zikhutshwa ngomatshini wokukhupha imali.
Umshicileli
Ukuba ufuna irisithi emva kokugqiba intengiselwano yakho kwi-ATM, iprintwa ineenkcukacha zolwazi lweakhawunti yakho.
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Isikrini se-ATM yeyona nto ibalulekileyo ekhokela abasebenzisi. Isikrini sikuvumela ukuba ulandele ngokulula amanyathelo alula ukugqiba intengiselwano yakho.
Ikwabonisa ulwazi lweakhawunti yakho njengebhalansi kunye nemali ekufuneka uyirhoxise.
Yimalini ekwi-ATM?
Oomatshini bokuxela ngokuzenzekelayo banokubamba isixa esikhulu semali. Ubungakanani obuqhelekileyo bomatshini wokuxela okuzenzekelayo unokubamba ukuya kuthi ga kwi-200,000 yeedola kwindawo ekhuselekileyo.
Ngokuqhelekileyo, oomatshini bokuxela ngokuzenzekelayo benzelwe ukubamba isixa esithile semali kwaye bakhuphe imali kubathengi abafuna amakhulu ambalwa eerandi okanye ngaphezulu.
Ii-ATM azenzelwanga ukukhupha izixa ezikhulu zemali, kwaye kukho umda kwinani lokutsalwa kwemali ngosuku.
Kutheni le nto iiBhanki zibeka imida yokurhoxa kwi-ATM?
Iibhanki zenza ngabom imida yokurhoxiswa kwe-ATM ngenxa yezizathu zokhuseleko lwezemali.
Oomatshini bokuxela ngokuzenzekelayo banokubamba isixa esikhulu semali. Nangona kunjalo, ukubeka imida yemihla ngemihla yokurhoxiswa kubathengi kunceda ibhanki ilawule ukuhamba kwemali ekhoyo ngelo xesha.
Esinye isizathu sokuba iibhanki zibeke le mida yokurhoxisa kukukhusela nokukhusela ii-akhawunti zebhanki zabathengi. Masithi kukho imeko apho ikhadi lakho libiwe ngumntu oyaziyo i-PIN yakho. Ngaphandle kokuba iibhanki zibeke le mida yokutsalwa kwemali, i-akhawunti yakho yebhanki inokuswayipha icoceke ngumenzi wobubi.
Ke le mida yokurhoxiswa kwe-ATM inokukusindisa ekubeni uphangwe yonke into onayo kwiakhawunti yakho yebhanki.
Imida yokurhoxiswa kwe-ATM inokucaphukisa, kodwa yeyona ndlela ilungileyo yokukhusela imali yakho xa kukho umntu oba ikhadi lakho.
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Yimalini onokuyirhola kwi-ATM ngosuku?
Ubuninzi bomda wakho wokurhola usekwe kwiziko lemali obhanka nalo. Yonke ibhanki okanye imanyano yamatyala inemigaqo-nkqubo yayo xa kufikwa kwimida yokurhola imihla ngemihla.
EUnited States, imida yokurhola imali ye-ATM yonke imihla isukela kwi-300 yeedola ukuya kwi-1,000 yeedola. Umda wokurhoxiswa kwe-ATM unokwahluka kwilizwe lakho ngokusekelwe kwimigaqo-nkqubo yebhanki yakho. Wakuba ugqithile kumlinganiselo wakho wemihla ngemihla wokutsala imali kwi-ATM, awuyi kukwazi ukutsala imali eninzi.
Ngokubanzi, umda wakho wokurhola kwi-ATM unokuxhomekeka kwiintlobo zeeakhawunti onazo, kunye nembali yakho yebhanki.
Ngokomzekelo, ukuba ungumthengi omtsha webhanki kwaye uvule i-akhawunti yetshekhi esisiseko, umda wakho wokurhoxisa i-ATM unokuba ngaphantsi.
Nje ukuba uyazi, iiakhawunti ezizodwa ezifana nokujonga umfundi okanye ukujonga okwesibini kunokuba nemida eyahlukeneyo yokutsala imali kwi-ATM.
Yimalini onokuthi uyitsale kwi-ATM ngexesha elinye?
Oomatshini bokuxela ngokuzenzekelayo banezithintelo kwisixa semali esinokukhutshwa xa kutsalwa imali. Khumbula ukuba umda wokutsalwa kwemali kwi-ATM yemihla ngemihla unokwahluka kwimida yokuthenga yemihla ngemihla.
Ngokomzekelo, umgaqo-nkqubo wakho webhanki unokunciphisa ukurhoxiswa kwakho kwi-ATM ukuya kwi-$ 400. Nangona kunjalo, unokuthenga ukuya kuthi ga kwi-4,000 yeedola ngekhadi lakho ledebhithi nje ngosuku.
Iibhanki zinokugcina ukutsalwa kwemali kwe-ATM kunye nomda wokuthenga ngokwahlukileyo okanye zinokuseta umda wesithathu kwisixa semali onokuyikhupha kwi-akhawunti yakho yebhanki ngosuku.
Le mida imiselwe ziibhanki ukuze kube lula ukungena nokuphuma kwemali kunye nokukhusela ii-akhawunti zebhanki zabathengi
IMida yokurhoxiswa kweATM yosuku kwiiBhanki eziphezulu eUnited States
EUnited States, ezinye iibhanki zikuvumela ukuba utsale imali eninzi kwi-akhawunti yakho yokutshekisha kwi-ATM.
Imida yokurhoxiswa kwe-ATM yahlukile kumaziko amakhulu emali kunye neebhanki zoluntu zengingqi.
Apha ngezantsi kukho itshathi ebonisa imida yokurhoxa kwi-ATM mihla le kwiibhanki zaseUnited 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 ukuba $2,000
- Abemi Bank- $500
- Fumana iBhanki- $510
- IBhanki yesiThathu yesiHlanu- $810
- HSBC- $500 ukuba $1,000
- KeyBank- $300 ukuba $1,000
- Morgan Stanley Bank- $1,500 ukuba $5,000
- PNC Bank- $500 ukuba $1,500
- Imimandla Bank- $808
- TD Bank- $1,250 ukuba $1,500
Usetyenziswa njani umatshini wokuThengisa oZisebenzelayo (ATM)
Oomatshini bokukhupha imali zixhobo zombane ezinokufumaneka kwiibhanki. Aba matshini imali banokuba ngaphakathi okanye ngaphandle ebhankini. Zinokufumaneka nakwiindawo zokuthenga, kwiivenkile ezithengisa ukutya, iivenkile zokutya, izikhululo zegesi, izikhululo zeenqwelo moya, iindawo zokutyela, iikhasino, njl.
Uninzi lwee-ATM ezisetyenziswa ezibhankini zahlukile kwezo zikwiivenkile zokutyela, kwiindawo zokungcakaza, kwiivenkile ezithengisa ukutya, nakwizikhululo zeenqwelomoya. Ii-ATM ezikwiibhanki zinemisebenzi emininzi, ngelixa ezinye ii-ATM ezikwiivenkile zegrosari zisetyenziselwa ukutsala imali kuphela.
Ukusebenzisa i-ATM kakhulu xa unekhadi lakho debit yebhanki okanye ngetyala. Ekuphela kwento ekufuneka uyenzile kukufaka ikhadi lakho kumatshini, uchwetheze i-PIN yakho kwaye ukhethe uhlobo lweakhawunti yakho yebhanki ukugqiba intengiselwano.
Imirhumo yoomatshini bokuTela abaZisebenzelayo (ATM).
Ukuba ukhupha imali kwi-ATM yebhanki yakho, akusayi kubakho ntlawulo yongezelelweyo. Kodwa xa ukhupha imali kwi-ATM yebhanki eyahlukileyo, kuya kubakho iintlawulo ezongezelelweyo.
Ngokutsho kwe-MoneyRates.com, umrhumo oqhelekileyo wokurhoxisa imali kwi-ATM engaphandle kwenethiwekhi eUnited States yi-$4.55.
Ubunini be-ATM
Sonke siyazi ukuba ii-ATM zezebhanki kunye neemanyano zamatyala. Oko akuthethi ukuba umntu kwaye amashishini akanakuthenga okanye aqeshise ii-ATM. Banokuthenga okanye baqeshise ii-ATM ngokwabo okanye nge-ATM franchise.
Xa ukhupha imali kwi-ATM kwisikhululo segesi, ivenkile yokutya, ivenkile yokutyela, okanye ivenkile, kukho intlawulo yokubiza kwaye le yindlela la mashishini amancinci enza ngayo inzuzo.
Inganyuswa njani imida yeATM yeBhanki eMelika?
Ezinye iibhanki zinika imida yokurhola i-ATM eyandisiweyo wakuba wenze isicelo. Ezi bhanki zinokunyusa okwexeshana umda wakho wokurhoxiswa kwe-ATM ukuba ufuna ukuthenga okanye ufuna ukuya ekhefini.
Khumbula, uhlobo lweakhawunti yakho lumisela umda wokutsalwa kwe-ATM ngosuku.
Uyenza njani idiphozithi kwi-ATM?
Njengomthengi webhanki, ungafaka imali okanye iitshekhi ngenye yee-ATM ezisebenzayo kwibhanki yakho. Ungayifaka njani imali okanye ujonge kwi-ATM? Kulungile, masifumanise.
Fumana nayiphi na i-ATM esebenzayo kwibhanki yakho, emva koko ufake imali okanye ujonge kwi-ATM. Ezinye ii-ATM ebhankini zinokufuna ukuba ugcwalise isiliphu sediphozithi kwaye ubeke imali kwimvulophu ngaphambi kokuba uyifake kwi-ATM.
Qinisekisa ukuba uvuma umva wetshekhi yakho kwaye ubhale "yeDiphozithi kuphela" ukuze ingcaciso.
Yeyiphi iBhanki eFakele uMatshini wokuQala oZisebenzelayo wokuThengisa eMelika?
NgoSeptemba 2, 1969, abantu baseMelika babona ukufakwa kokuqala kwe-ATM. I-ATM yokuqala e-United States yafakwa yi-Chemical Bank e-Rockville Centre, eNew York.
Phambi kofakelo lokuqala lwe-ATM e-United States ngo-1969, i-Barclays sele ifake i-ATM yokuqala e-United Kingdom.
Imibuzo ebuzwa qho
Apha ngezantsi kukho imibuzo esoloko ibuzwa malunga nokuba yimalini ekwi-ATM.
Ngaba ndingathatha imali kwikhadi lam letyala?
Ikhadi letyala letyala livumela abantu ukuba batsale imali kwimali eqingqiweyo efumanekayo. Ukuthatha imali evela kwikhadi lokuthenga ngetyala kunokukhokelela kwi-APR ephezulu kunye nemali ehlawulwa kwangaphambili.
Ndiwazi njani umda wam wokurhoxa kwi-ATM?
Unokufumana umda wakho wokurhoxisa i-ATM ngokungena kwi-intanethi okanye kwi-app yebhanki ephathwayo. Fowunela ibhanki yakho ukuze ufumanise ukuba yimalini na onokuthi uyitsale kwi-ATM yonke imihla ukuba awuyiboni imida emva kokungena kwi-app yakho yeselula.
Yeyiphi ibhanki enowona mda uphezulu wokurhoxa kwi-ATM?
Okwangoku, iMorgan Stanley Bank inomnye weyona mida iphezulu ye-ATM kwaye unokutsala ukuya kuthi ga kwi-1,500 yeedola ukuya kwi-5,000 yeedola ngosuku. Khumbula ukuba unokurhoxisa kuphela imali enkulu ngokusekwe kuhlobo lweakhawunti yakho.
Ezinye iibhanki ezikuvumela ukuba utsale imali eninzi kwi-ATM ziquka iBhanki yaseMelika, i-BMO Harris, i-Capital One, i-Charles Schwab Bank, i-Citi, i-HSBC, kunye ne-TD Bank.
isiphelo
Ukusukela oko kwaveliswa oomatshini bokuxela okuzenzekelayo ekupheleni kweminyaka yoo-1960, ukutsala imali kube lula kubathengi. Iibhanki aziyondawo apho aba matshini bemali bafunyanwa khona. Zikwafumaneka nakwiindawo apho abantu kufuneka bathenge khona.
Isixa semali kwi-ATM sinokuya kuthi ga kwi-200,000 yeedola kwaye unakho kuphela isixa esikhulu semali ngokusekelwe kuhlobo lweakhawunti yakho.
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