Ngaba ukhangela ezona bhanki zikhuselekileyo e-US kunye namaziko emali athembekileyo anokhuseleko olungcono? Jonga esi sithuba ukuze ufumane elona ziko lezemali elinezona zicwangciso zilungileyo zeemali zakho.
IUnited States ilikhaya kumaziko emali aliqela kwaye umdla wommi ngamnye kukubhankisha ngamaziko athembekileyo. Nokuba ziibhanki ezithengisayo, iibhanki zorhwebo okanye zeshishini, okanye iibhanki zotyalo-mali, injongo ihleli kukubhankisha awona maziko alungileyo nakhuselekileyo.
Ngoku, zeziphi iibhanki ezikhuselekileyo e-US, ezinokhuseleko olungcono xa kuziwa ekukhuseleni imali yakho?
Kweli nqaku, sidwelise iibhanki eUnited States ezineziseko ezithembekileyo nezithembekileyo zokugcina imali yakho.
Kodwa ngaphambi kokuba sidwelise ezona bhanki zikhuselekileyo e-United States emaziqhube nazo, makhe sithethe ngendlela yokuchonga ukuba ibhanki ikhuselekile.
Indlela yokuchonga iBhanki ekhuselekileyo nethembekileyo
Ngokubanzi, awusoze ubone umphathi webhanki exelela abathengi ukuba ibhanki ayikhuselekanga. Yonke ibhanki ongena kuyo iya kuhlala ikuxelela ukuba kukhuselekile ukubhanka nayo.
Ishishini lebhanki kukufumana intembeko yakho, nokuba uyifumene na okanye hayi. Uyisebenzele imali yakho kwaye ukuba uza kuthemba iziko lezemali ngeemali zakho, ukwenza uphando oluncinci kubalulekile.
Ukuqhuba uphando oluncinci kuya kukunceda wenze isigqibo sokuba ngaba ufanele ukubhanka ngebhanki ethile okanye hayi.
Ke, zeziphi izinto ezibalulekileyo ekufuneka uziqwalasele xa ukhetha iziko lezemali oza kubhanka nalo?
Nazi izinto ezimbalwa ekufuneka uziqwalasele ngaphambi kokuba uthathe isigqibo sokuba kufanelekile ukonga imali yakho kulo naliphi na iziko lezemali.
Funda kwakhona: IiBhanki eziGqwesileyo ezingama-20 e-US ngo-2024
ubungakanani
Into yokuqala ekufuneka uyiqwalasele xa ukhetha iziko lezemali ubukhulu. Ewe, ubukhulu beebhanki bubalulekile kwaye nantsi isizathu.
Kukhuselekile ukukhetha ibhanki yesizwe enkulu kunencinci. Ukuya kwiibhanki ezinkulu kunika isiqinisekiso sokuba iimali zakho zikhuselekile. Ngokubanzi, iibhanki ezinkulu zinoovimba abakhulu, izibonelelo ezininzi kunye nemithombo yengeniso.
Ukongeza, banokhetho oluninzi lokubuyisela kuyo nayiphi na ilahleko. Iibhanki ezinkulu sele zikhona ixesha elide kwaye amava abawaqokelele kwiminyaka edlulileyo zizixhobo zengqondo zokujongana nayo nayiphi na imingeni.
Ngoku, ukuba kukho a imeko yemali Ingxaki, iibhanki ezinkulu kunokwenzeka ukuba zifumane uncedo kurhulumente kunezo zincinci. Le yinzuzo abanayo ngaphezu kweebhanki ezincinci, njengoko banayo kwaye bakhonza abathengi abaninzi ngokubanzi.
I-Inshurensi ye-FDIC
Ngokubanzi, i-inshurensi ye-FDIC ikhusela iimali zakho kunye nayo nayiphi na imali oyifakileyo ebhankini. Ukuba kukho into kwibhanki obhankini nayo, i-inshurensi ye-FDIC ikhona ukukhusela imali yakho.
I-Inshurensi ye-NCUA yenza uxanduva olufanayo kwiimanyano zamatyala.
Review
Kubalulekile ukwazi izimvo zabanye abathengi phambi kokuba wenze isigqibo sokubhanka neziko lezemali. Uphononongo lomthengi okanye uluvo lunokuninzi lokukuxelela ngebhanki ethile.
Inkonzo eyenzelwe
Soloko ujonge amaziko emali anenkonzo elungileyo yabathengi. Abasebenzi bebhanki kufuneka bakwazi ukuhoya iimfuno zakho okanye imibuzo emalunga nemali yakho.
Ufumene idola nganye kwaye uthathe isigqibo sokuthemba ibhanki ngeemali zakho, ubuncinci obunokulindela yinkonzo yabathengi engalunganga.
Uluhlu lweeBhanki eziKhuselekileyo oluvela kwiMali yeHlabathi
Ngaphezu kwamashumi amathathu eminyaka ngoku, iGlobal Finance ikhuphe uluhlu lonyaka olusibonisa ezona bhanki zikhuselekileyo kwihlabathi liphela. Ngelishwa, uninzi lwezi bhanki azikho eUnited States.
Iimpawu zoKhuseleko lweDijithali
Iibhanki ezikhuselekileyo e-US ezinokhuseleko olungcono ziya kusebenzisa iimpawu zedijithali ukukhusela iimali zabathengi. Iimpawu zokhuseleko lwedijithali ziquka uguqulelo lwedatha, ukuqinisekiswa kwezinto ezininzi, isaziso sobuqhophololo, kunye nokuphuma kwexesha.
Apha ngezantsi kukho amanyathelo okhuseleko amaninzi anokuthi aqwalaselwe ziibhanki.
Ukuvala iKhadi leDebit
Eli nqaku livumela abathengi ukuba bavale ikhadi labo lokutsala imali ukude bathintele naluphi na uhlobo lobusela be-elektroniki.
Isiqinisekiso ngokuchasene noFikelelo olungagunyaziswanga
Kwimeko apho iimali zilahlekile ngenxa yomsebenzi wobuqhetseba kwi-akhawunti yakho, ibhanki kufuneka ivume ukubuyisela.
Iitshiphusi ze-EMV
Le yitshiphu yegolide okanye yesilivere edla ngokubonwa kumakhadi amaninzi etyala. Amakhadi aneetshiphusi akhuselekile kunokuswayipha amakhadi akho kwaye ufumana la makhadi akhuselekileyo kwibhanki yakho.
Amanani eKhadi asetyenziswa kanye
Inombolo yekhadi esetyenziswa kanye kuphela inokuba ngumahluko ekubeni iinkcukacha zakho zivuzwe okanye zigqekezelwe ngelixa uthengela kwi-Intanethi.
IiBhanki ezili-10 eziKhuselekileyo e-US ezinoKhuseleko oluPhezulu
Apha ngezantsi kukho uluhlu lweebhanki ezikhuselekileyo eUnited States ezinokhuseleko olungcono. Ezi bhanki ngamaziko emali athembekileyo anesiseko esiluqilima kwaye ezinye zikho iminyaka engaphezu kwe-100.
# 1. JPMorgan Chase
JPMorgan Chase lelona ziko lezemali likhulu elizweni. Okwangoku, ikwayeyona bhanki inkulu ehlabathini ngokwenza inkunzi yemalike.
Xa sithetha ngeebhanki ezineebhanki ezinkulu kunezincinci, sinezizathu zethu. I-JPMorgan Chase yeyona bhanki inkulu yaseMelika kwaye le nkampani ibaluleke ngokwenkqubo yiBhodi yoZinzo lwezeMali.
I-JPMorgan Chase okwangoku ikomkhulu eMidtown Manhattan, eNew York kwaye ibandakanywe eDelaware. Nje ukuba i-JPMorgan Chase Building igqitywe ngo-2025, i-firm ifudukela kwikomkhulu layo elitsha.
Imbali yale nkampani iqala emva kwiminyaka eyi-100 eyadlulayo. Kwakungowe-1871 xa iJP Morgan & CO yasekwa nguJP Morgan. Waphehlelela iNdlu kaMorgan, eyaba ngumthengisi kazwelonke wotyalo-mali, urhwebo, kunye neenkonzo zebhanki zabucala.
Ngomhla woku-1 kuDisemba 2000, iJPMorgan Chase & Co. yasekwa emva kokudityaniswa kweefemu ezimbini zangaphambili.
Ukusukela ngo-2023, iJPMorgan Chase ine-asethi engaphezulu kwe-3.5 yeebhiliyoni zeedola. Kukho amasebe angaphezu kwama-4,700 phaya kunye nee-ATM ezingaphezu kwe-16,000 eziphantsi kukaJPMorgan Chase.
Funda kwakhona: IiBhanki zeSizwe ezili-15 eziBalaseleyo eMelika ngo-2024
#2. IBhanki yase-US
Nantsi enye ibhanki ethathwa njengebhanki ebalulekileyo ngokucwangcisiweyo yi-Federal Stability Board.
IBhanki yase-US yenye yeebhanki ezikhuselekileyo zaseMelika ezizinze eMinneapolis, eMinnesota kwaye ibandakanywe eDelaware. Eli ziko lezemali ngamanye amaxesha libizwa ngokuba yi-US Bancorp.
Liziko lebhanki lesihlanu ngobukhulu kwaye libonelela ngeenkonzo zemali ezininzi. Njengenkampani, i-US Bancorp ibonelela ngotyalo-mali, ibhanki, imali yokubambisa, intembeko, kunye neemveliso zeenkonzo zentlawulo kwishishini, kumaziko karhulumente, nakubantu ngabanye.
okwangoku, Bank yaseU.S. inamasebe angaphezu kwama-3,000 kulo lonke elaseUnited States. Malunga nama-4,800 ee-ATM ezizezeBhanki yase-US ziphelele kwiNtshona nakwi-Midwest United States.
I-US Bancorp ine-asethi eqikelelwa kwi-601 yeebhiliyoni zeedola.
# 3. I-PNC yeBhanki
I-PNC Bank yenye yezona bhanki zibalaseleyo nezikhuselekileyo e-US ezinokhuseleko olungcono. Yibhanki yaseMelika esebenza kumazwe angama-27 naseWashington DC
Inani lamasebe e-PNC kumazwe angama-27 kunye ne-DC yi-2,629. I-PNC Bank ikwanazo ngaphaya kwe-9,500 koomatshini bokuxela okuzenzekelayo kulo lonke elase-United States. I-asethi yeBhanki ye-PNC iqikelelwa kwi-557 yeebhiliyoni zeedola, okwenza ukuba ibe kuluhlu lweebhanki ezinkulu e-United States ngempahla.
#4. Citibank
I-Citibank lelinye lamaziko emali amadala eMelika. Ngokweengxelo, iCitibank yasekwa ngo-1812 ekuqaleni njengeBhanki yeSixeko saseNew York.
Ukutyhubela iminyaka yaba yiBhanki yokuQala yesiXeko seSizwe saseNew York. Namhlanje, yaziwa ngokusemthethweni njengeCitibank kwaye isebenza kumazwe ali-19 kwihlabathi liphela.
Inani elipheleleyo lamasebe e-Citibank kulo lonke elase-United States li-723. Amasebe ayo e-1,494 eMexico aqhutywa yi-Banamex.
Uya kufumana amasebe eCitibank kwizixeko ezinjengeNew York, iWashington DC Miami, Chicago, Los Angeles, kunye neSan Francisco.
# 5. Wells Fargo usetyenziso lweWindows kwi- Ivenkile yeWindows
I-Wells Fargo yenye yeebhanki ezikhuselekileyo zaseMelika, iziko lezemali elithembekileyo elinolona khuseleko lungcono kubemi base-US ukugcina imali yabo. Ayisiyo-United States kuphela apho iWells Fargo isebenza, ikwasebenza kumazwe angama-35 kwihlabathi liphela.
Kumhlaba jikelele, Wells Fargo inabathengi abamalunga nezigidi ezingama-70. Kwaye nje ngeJPMorgan Chase & Co, Wells Fargo ikwathathwa njengeziko lezemali elibalulekileyo ngokucwangcisiweyo yiBhodi yoZinzo lweFederal.
Ukuqwalasela i-asethi iyonke, i-Wells Fargo yibhanki yesine ngobukhulu kweli lizwe. Ikwayenye yeebhanki ezinkulu njengoko zibekwe ngediphozithi yebhanki kunye ne-capitalization yemalike.
Inani elipheleleyo lamagatsha e-Wells Fargo malunga ne-8,050. Malunga nama-13,000 ee-ATM zika-Wells Fargo zithe saa kulo lonke elase-United States.
# 6. Inkulumbuso yokuqala
Okulandelayo kuluhlu lwethu lweebhanki ezikhuselekileyo e-US ezinokhuseleko olungcono yi-Capital One.
Yasekwa ngo-1994, i-Capital One ikuluhlu lweebhanki ezinkulu zaseMelika kwaye kwiminyaka edlulileyo, bazakhele igama elihle njengebhanki egxile kubuchwepheshe.
okwangoku, Inkunzi eyodwa inamasebe amalunga nama-755 kunye noomatshini abazenzekelayo abangama-2,000 XNUMX kulo lonke elaseUnited States.
Ngo-2016, iCapital One yayiyeyesihlanu ngobukhulu ukukhupha ikhadi letyala, iza emva kweBank of America, American Express, Citigroup, kunye neJPMorgan Chase.
Ukusukela ngo-2022, iCapital One ine-asethi ye-444.2 yeebhiliyoni zeedola.
#7. M&T Bank Corporation
Umi 1856, M&T Bank Corporation yenye yeebhanki zakudala zaseMelika. Isebenza kumazwe ali-12 kwilizwe liphela, ngakumbi kwiMpuma yeUnited States.
Ngokubanzi, iM&T Bank Corporation inamasebe angaphezu kwewaka kula mazwe ali-12. Ibhanki ithatha indawo ye-519 kwi-Fortune 500 uluhlu olusekelwe kwingeniso ye-2021.
Phambi kukaMeyi 1998, iM&T Bank Corporation ngaphambili yayibizwa ngokuba yiFirst Empire State Corporation.
Funda kwakhona: IiBhanki ezili-10 eziGqwesileyo eTennessee ngo-2024
#8. I-CoBank
Yasekwa ngo-1989 kwaye ikomkhulu layo lihlala eGreenwood Village eDenver, eColorado. I-CoBank yi-arhente yokuthenga ngetyala kumazwe angaphandle kwezolimo.
Ikwayinxalenye yeNkqubo yokuTyala kweFama yase-US ebonelela ngemali-mboleko, kunye neenkonzo zezimali kumashishini ezolimo, ookopolotyeni, kunye nezixhobo zoluntu zasemaphandleni.
Ukusukela ngo-2022, iCoBank yayine-asethi ye-183 yeebhiliyoni zeedola.
#9. AgKuqala
I-AgFirst isebenza njengombolekisi wehoseyile kunye nomnikezeli kuthungelwano lwemibutho yamatyala efama yasekuhlaleni kwiphondo eli-15 laseMpuma nakumaZantsi eMelika, kuquka iWashington DC nePuerto Rico.
Le bhanki yasekwa emva kokudityaniswa kweFama Credit Bank yaseColumbia kunye neFama Credit Bank yaseBaltimore.
Nje ukuba uyazi, umbolekisi uphantsi kwentsebenziswano namashumi amabini anesibini emibutho yasekuhlaleni.
Ngaphezu kwama-79,000 amafama axhamlayo kule mibutho. Babonelela ngenkxaso-mali yezindlu nomhlaba kunye nemveliso hayi kumafama angaphezu kwama-79,000 kuphela, kodwa kushishino lwezolimo, nakubanini bamakhaya basemaphandleni.
I-AgFirst ingena kuluhlu lwethu lwezona bhanki zikhuselekileyo e-US ezinokhuseleko olungcono.
#10. AgriBank
Njengelungu le-US Farm Credit System, i-AgriBank inceda imibutho yasekuhlaleni yeentengo zemboleko kwiifama ezilishumi elinesihlanu zelizwe.
Kanye njenge-AgFirst, i-AgriBank nayo yasekwa ngokudibanisa iBhanki yeTyala yaseFama yaseSaint Paul kunye neTyala leFama yaseSaint Louis ngo-1992.
Namhlanje, i-asethi iyonke ye-AgriBank iqikelelwa kwi-151 yeebhiliyoni zeedola.
isiphelo
Kuhlala kubalulekile ukwenza uphando oluncinci phambi kokuba unikezele ngemali yakho kuyo nayiphi na ibhanki. Kufuneka uqinisekise ukuba ibhanki ojonge ukuyibhanka nayo inesiseko esithembekileyo.
Sidwelise ezona bhanki zikhuselekileyo e-US ezinokhuseleko olungcono, ke qiniseka ukuba ubhanka nawo nawaphi na amaziko emali kolu luhlu.
izindululo
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Shiya iMpendulo