Ingabe ufuna amabhange aphephe kakhulu e-US kanye nezikhungo zezezimali ezithembekile ezinokuvikeleka okungcono kakhulu? Bheka lokhu okuthunyelwe ukuze uthole isikhungo sezimali esingcono kakhulu esinezinhlelo ezinhle kakhulu zezimali zakho.
I-United States iyikhaya lezikhungo zezezimali ezimbalwa futhi intshisekelo yaso sonke isakhamuzi iwukuba ibhange elinezikhungo ezithembekile. Kungakhathaliseki ukuthi amabhange ezitolo, amabhange ezentengiselwano noma ezinkampani, noma amabhange okutshalwa kwezimali, umgomo uhlala ebhange elinezikhungo ezihamba phambili neziphephe kakhulu.
Manje, yimaphi amabhange aphephe kakhulu e-US, anokuphepha okungcono kakhulu uma kuziwa ekuvikeleni imali yakho?
Kulesi sihloko, sibhale amabhange ase-United States anezisekelo ezithembekile nezithembekile zokulondoloza imali yakho.
Kodwa ngaphambi kokuthi sibhale ohlwini lwamabhange aphephe kakhulu e-United States ongabhanga ngawo, ake sikhulume ngokuthi singahlonza kanjani ukuthi ibhange liphephile yini.
Indlela Yokuhlonza Ibhange Eliphephile Nelithembekile
Ngokuvamile, awusoze wabona umphathi webhange etshela amakhasimende ukuthi ibhange aliphephile. Wonke amabhange ongena kuwo azohlala ekutshela ukuthi kuphephile ukubhanga ngawo.
Ibhizinisi lebhange elokuthola ukwethenjwa kwakho, kungakhathaliseki ukuthi ulizuzile noma cha. Uyisebenzele imali yakho futhi uma uzothemba isikhungo sezezimali ngezimali zakho, ukwenza ucwaningo oluncane kubalulekile.
Ukwenza ucwaningo oluncane kuzokusiza ukuthi unqume ukuthi kufanele yini ubhange nebhange elithile noma cha.
Ngakho-ke, yiziphi izici ezibalulekile okufanele uzibheke lapho ukhetha isikhungo sezezimali ozobhanga ngaso?
Nazi izinto ezimbalwa okufanele uzicabangele ngaphambi kokuthi unqume ukuthi kufanelekile yini ukonga imali yakho nganoma yisiphi isikhungo sezezimali.
Funda futhi: Amabhange Angcono Kakhulu angama-20 e-US ngo-2024
Usayizi
Into yokuqala okufanele uyicabangele lapho ukhetha isikhungo sezezimali ubukhulu. Yebo, ubukhulu bamabhange bubalulekile futhi yingakho.
Kuphephe kakhudlwana ukukhetha ibhange likazwelonke elikhulu kunelincane. Ukuya emabhange amakhulu kunikeza isiqinisekiso sokuthi izimali zakho ziphephile. Ngokuvamile, amabhange amakhulu anemithombo emikhulu, izinsiza ezengeziwe kanye nemithombo eyengeziwe yemali engenayo.
Ukwengeza, banezinketho eziningi zokululama kunoma yikuphi ukulahlekelwa. Amabhange amakhulu abelokhu ekhona isikhathi eside futhi ulwazi aluqoqile eminyakeni edlule lungamathuluzi obuhlakani okubhekana nanoma iyiphi inselele.
Manje, uma kukhona a isimo sezimali inkinga, amabhange amakhulu maningi amathuba okuthi athole usizo kuhulumeni kunamancane. Lokhu kuyinzuzo abanayo ngaphezu kwamabhange amancane, njengoba benayo futhi basebenzela amakhasimende amaningi ngokuvamile.
Umshwalense we-FDIC
Ngokuvamile, umshwalense we-FDIC uvikela izimali zakho nanoma iyiphi imali oyifakile ebhange. Uma kukhona okusebhange obhanga nalo, umshwalense we-FDIC ukhona ukuze uvikele imali yakho.
I-NCUA Insurance yenza umsebenzi ofanayo wezinyunyana zezikweletu.
Buyekeza
Kubalulekile ukwazi imibono yamanye amakhasimende ngaphambi kokuthi uthathe isinqumo sokuyobhanga nesikhungo sezezimali. Isibuyekezo noma umbono wekhasimende ungase ube nokuningi ongakutshela kona mayelana nebhange elithile.
Insizakalo yekhasimende
Hlala ubheka izikhungo zezezimali ezinesevisi enhle yamakhasimende. Izisebenzi zasebhange kufanele zikwazi ukubhekelela izidingo zakho noma imibuzo ephathelene nezimali zakho.
Uzuze idola ngalinye futhi unquma ukwethemba ibhange ngezimali zakho, okungenani okufanele ukulindele isevisi yamakhasimende empofu.
Uhlu lwamabhange aphephile oluvela ku-Global Finance
Sekuyiminyaka engaphezu kwamashumi amathathu manje, iGlobal Finance ikhiphe uhlu lwaminyaka yonke olusibonisa amabhange aphephe kakhulu emhlabeni. Ngeshwa, iningi lala mabhange awekho e-United States.
Izici Zokuvikeleka Kwedijithali
Amabhange aphephe kakhulu e-US anokuphepha okungcono kakhulu azosebenzisa izici zedijithali ukuze avikele izimali zamakhasimende. Izici zokuphepha zedijithali zifaka ukubethela kwedatha, ukuqinisekiswa kwezinto eziningi, isaziso sokukhwabanisa, nokuphuma kwesikhathi.
Ngezansi kunezinye izindlela zokuphepha amabhange angazicabangela.
Ukuvinjwa Kwekhadi Ledebhithi
Lesi sici sivumela amakhasimende ukuthi akhubaze ekude ikhadi lawo ledebithi ukuze agweme noma yiluphi uhlobo lobugebengu obusebenza ngogesi.
Isiqinisekiso ngokumelene Nokufinyelela Okungagunyaziwe
Esimeni lapho kulahleka khona izimali ngenxa yezenzo zokukhwabanisa ku-akhawunti yakho, ibhange kufanele livume ukukubuyisela.
Ama-chips we-EMV
Lena i-chip yegolide noma esiliva evame ukubonakala emakhadini amaningi esikweletu. Amakhadi anama-chips aphephile kunokuswayipha amakhadi akho futhi uthola lawa makhadi aphephile ebhange lakho.
Izinombolo zekhadi ezisetshenziswa kanye
Inombolo yekhadi esetshenziswa kanyekanye ingase ibe umehluko ekutheni imininingwane yakho iputshuzwe noma intshontshwe ngenkathi uthenga ku-inthanethi.
10 Amabhange Aphephile Kakhulu e-US Anokuvikeleka Okungcono Kakhulu
Ngezansi uhlu lwamabhange aphephe kakhulu e-United States anokuphepha okungcono kakhulu. Lawa mabhange ayizikhungo zezimali ezithembekile ezinesisekelo esiqinile kanti amanye aseneminyaka engaphezu kweyi-100 ekhona.
# 1. JPMorgan Chase
JPMorgan Chase iyisikhungo sezimali esikhulu kunazo zonke ezweni. Okwamanje, Futhi iyibhange elikhulu kunawo wonke emhlabeni ngemali yemakethe.
Uma sikhuluma ngokubhanga namabhange amakhulu kunamancane, sibe nezizathu zethu. I-JPMorgan Chase iyibhange elikhulu kunawo wonke laseMelika futhi le nkampani ibalulekile ngokohlelo yi-Financial Stability Board.
I-JPMorgan Chase njengamanje inhloko yakhe eMidtown Manhattan, eNew York futhi ihlanganiswe eDelaware. Lapho i-JPMorgan Chase Building isiqediwe ngo-2025, ukuthuthela okuqinile endlunkulu yayo entsha.
Umlando wale nkampani uhlehlela emuva eminyakeni eyi-100 edlule. Kwakungo-1871 lapho i-JP Morgan & CO isungulwa ngu-JP Morgan. Wethula i-House of Morgan, eyaba ngumhloli kazwelonke wokutshalwa kwezimali, ezohwebo, kanye nezinsizakalo zamabhange ezizimele.
Ngomhla lu-1 kuZibandlela wezi-2000, i-JPMorgan Chase & Co. yasungulwa ngemuva kokuhlanganiswa kwamafemu amabili angaphambili.
Kusukela ngo-2023, i-JPMorgan Chase inempahla engaphezu kuka-$3.5 trillion. Kunamagatsha angaphezu kuka-4,700 laphaya kanye nama-ATM angaphezu kuka-16,000 aphethwe nguJPMorgan Chase.
Funda futhi: 15 Amabhange Ezwe Angcono Kakhulu eMelika ngo-2024
#2. Ibhange lase-US
Nali elinye ibhange elithathwa njengebhange elibalulekile ngokuhlelekile yi-Federal Stability Board.
I-US Bank ingelinye lamabhange aseMelika aphephe kakhulu azinze eMinneapolis, Minnesota futhi ahlanganiswe naseDelaware. Lesi sikhungo sezezimali kwesinye isikhathi sibizwa nge-US Bancorp.
Kuyisikhungo samabhange esikhulu sesihlanu ngobukhulu ezweni futhi sinikeza izinsiza eziningi zezezimali. Njengenkampani, i-US Bancorp inikeza ukutshalwa kwezimali, ukubhanga, izikweletu, ukwethenjwa, kanye nemikhiqizo yamasevisi okukhokha ebhizinisini, izinhlangano zikahulumeni, nakubantu ngabanye.
Okwamanje, US Bank inamagatsha angaphezu kuka-3,000 kulo lonke elase-United States. Cishe ama-ATM angu-4,800 aphethwe yi-US Bank akulo lonke elase-Western and Midwest United States.
I-US Bancorp inempahla elinganiselwa ku-$601 billion.
# 3. Ibhange le-PNC
I-PNC Bank ingelinye lamabhange angcono kakhulu naphephe kakhulu e-US anokuphepha okungcono kakhulu. Kuyibhange laseMelika elisebenza ezifundazweni ezingama-27 naseWashington DC
Inani lamagatsha e-PNC kuzo zonke izifundazwe ezingama-27 kanye ne-DC ngu-2,629. I-PNC Bank nayo inemishini yokukhipha imali ezenzakalelayo engaphezu kuka-9,500 kulo lonke elase-United States. Impahla ye-PNC Bank ilinganiselwa ku-$557 billion, okwenza ibe sohlwini lwamabhange amakhulu e-United States ngempahla.
#4. Citibank
I-Citibank ingesinye sezikhungo zezimali ezindala kakhulu zaseMelika. Ngokwemibiko, i-Citibank yasungulwa ngo-1812 ekuqaleni njenge-City Bank yaseNew York.
Ngokuhamba kweminyaka yaba yiFirst National City Bank yaseNew York. Namuhla, yaziwa ngokusemthethweni ngeCitibank futhi isebenza emazweni ayi-19 emhlabeni jikelele.
Isamba senani lamagatsha e-Citibank kulo lonke elase-United States angama-723. Amagatsha awo angu-1,494 e-Mexico asetshenziswa yi-Banamex.
Uzothola amagatsha eCitibank emadolobheni afana neNew York, Washington DC Miami, Chicago, Los Angeles, neSan Francisco.
# 5. U-Wells Fargo
I-Wells Fargo ingelinye lamabhange aphephe kakhulu aseMelika, isikhungo sezezimali esithembekile esinokuphepha okungcono kakhulu kwezakhamizi zase-US ukonga imali yazo. Akukhona e-United States kuphela lapho i-Wells Fargo isebenza khona, futhi isebenza emazweni angama-35 emhlabeni jikelele.
Emhlabeni jikelele, Wells Fargo inamakhasimende angaba yizigidi ezingu-70. Futhi njenge-JPMorgan Chase & Co, i-Wells Fargo nayo ibhekwa njengesikhungo sezimali esibalulekile ngokuhlelekile yi-Federal Stability Board.
Uma kubhekwa impahla ephelele, i-Wells Fargo iyibhange lesine ngobukhulu ezweni. Futhi ingelinye lamabhange amakhulu njengoba libalwa ngediphozithi yasebhange kanye nezimali zemakethe.
Inani eliphelele lamagatsha e-Wells Fargo lilinganiselwa ku-8,050. Cishe ama-ATM ayi-13,000 aphethwe ngu-Wells Fargo asabalale kulo lonke elase-United States.
# 6. Inhlokodolobha Yokuqala
Okulandelayo ohlwini lwethu lwamabhange aphephe kakhulu e-US anokuphepha okungcono kakhulu yi-Capital One.
Yasungulwa ngo-1994, i-Capital One isohlwini lwamabhange amakhulu aseMelika futhi eminyakeni edlule, azakhele olukhulu udumo njengebhange eligxile kwezobuchwepheshe.
Okwamanje, Capital One inamagatsha angaba ngu-755 kanye nemishini yokukhipha imali engu-2,000 XNUMX kulo lonke elase-United States.
Ngo-2016, i-Capital One yaba yinkampani yesihlanu enkulu kunazo zonke ekhipha ikhadi lesikweletu, iza ngemuva kwe-Bank of America, American Express, Citigroup, kanye ne-JPMorgan Chase.
Kusukela ngo-2022, i-Capital One inempahla engu-$444.2 billion.
#7. Inkampani M&T Bank Corporation
Umi 1856, Inkampani M&T Bank Corporation ingelinye lamabhange amadala aseMelika. Isebenza ezifundazweni ezingu-12 ezweni lonke, ikakhulukazi eMpumalanga ye-United States.
Ngokuvamile, i-M&T Bank Corporation inamagatsha angaphezu kwenkulungwane kulezi zifundazwe eziyi-12. Ibhange lithatha isikhundla se-519 ohlwini lwe-Fortune 500 ngokusekelwe emalini engenayo yango-2021.
Ngaphambi kukaMeyi 1998, iM&T Bank Corporation phambilini ibibizwa ngeFirst Empire State Corporation.
Funda futhi: 10 Amabhange Ahamba Phambili e-Tennessee ngo-2024
#8. I-CoBank
Yasungulwa ngonyaka we-1989 futhi yazinze eGreenwood Village eDenver, eColorado, I-CoBank iyi-ejensi yezikweletu yokuthumela ngaphandle kwezolimo.
Futhi iyingxenye ye-US Farm Credit System ehlinzeka ngemalimboleko, kanye nezinsizakalo zezezimali emabhizinisini ezolimo, amadlelandawonye, kanye nezinsiza zomphakathi zasemakhaya.
Kusukela ngo-2022, i-CoBank yayinempahla engu-$183 billion.
#9. I-AgFirst
I-AgFirst isebenza njengombolekisi wezitolo ezinkulu kanye nomhlinzeki kunethiwekhi yezinhlangano zezikweletu zamapulazi ezifundazweni eziyi-15 zaseMpumalanga naseNingizimu eMelika, okuhlanganisa i-Washington DC ne-Puerto Rico.
Leli bhange lasungulwa ngemuva kokuhlanganiswa kweFarm Credit Bank yaseColumbia kanye neFarm Credit Bank yaseBaltimore.
Ukuze wazi nje, umbolekisi uphethwe ngokubambisana nezinhlangano zasendaweni ezingamashumi amabili nambili.
Bangaphezu kuka-79,000 abalimi abahlomula kulezi zinhlangano. Bahlinzeka ngezimali ngendawo nezakhiwo kanye nokukhiqiza hhayi nje kubalimi abangaphezu kuka-79,000, kodwa kumabhizinisi ezolimo, kanye nakubanikazi bezindlu zasemakhaya.
I-AgFirst ingena ohlwini lwethu lwamabhange aphephe kakhulu e-US ngokuvikeleka okungcono kakhulu.
#10. I-AgriBank
Njengelungu le-US Farm Credit System, i-AgriBank isiza izinhlangano zezikweletu zamapulazi ezifundazweni eziyishumi nanhlanu ezweni.
Njenge-AgFirst, i-AgriBank nayo yasungulwa ngokuhlanganisa i-Farm Credit Bank yase-Saint Paul kanye ne-Farm Credit yase-Saint Louis ngo-1992.
Namuhla, isamba sempahla ye-AgriBank ilinganiselwa ku-$151 billion.
Isiphetho
Kuhlale kubalulekile ukwenza ucwaningo oluncane ngaphambi kokuphathisa izimali zakho kunoma yiliphi ibhange. Udinga ukuqinisekisa ukuthi ibhange ohlose ukubhanga nalo linesisekelo esihle.
Sifake ohlwini amabhange aphephe kakhulu e-US anokuphepha okungcono kakhulu, ngakho qiniseka ukuthi ubhanga nanoma yiziphi izikhungo zezezimali ezikulolu hlu.
Izincomo
- 10 Amabhange Ahamba Phambili e-Arizona ngo-2024
- Amabhange ayi-10 ahamba phambili e-Colorado ngo-2024
- Izindawo Ezingcono Kakhulu Ezingu-20 Ezikuqasha Uneminyaka engu-15 ubudala noma ngaphansi
- Izifundo zamahhala eziyi-15 eziku-inthanethi Nezitifiketi ngo-2024
- Uhlu Lwezikole Ezinhle Kakhulu Zokuqhumisa Izibhamu ngo-2024
shiya impendulo