Izindlela ezili-7 zebhanki kwi-intanethi zithatha ibhanki kumntu
Ibhanki ye-intanethi (eyaziwa ngokuba yi-intanethi ye-intanethi) yindlela yebhanki eyisekelwe kwiwebhu, eyenza abathengi bebhanki bazalise imisebenzi yabo yeebhanki kunye nemisebenzi enxulumene newebhsayithi yebhanki. Ngokubhalisa njengomthengi we-intanethi kunye nebhanki yakho (okanye ibhanki entsha), uya kufumana ukufikelela kwi-intanethi kuzo zonke iinkonzo eziqhelekileyo kwiibhanki zamasebe asekuhlaleni.
Nangona ukuphakama kwe-intanethi ye-intanethi / ye-intanethi, akukhona wonke umntu oqinisekileyo ukuba kulungele ukwenza ukutshintshwa kwebhanki yendabuko kwisebe. Ukukwazisa ngezibonelelo, nakhu izizathu eziphakamileyo ezisixhenxe zokuba kutheni ufanele ucinge ukunika ibhanki kwi-intanethi uzame.
1. Ukuzonwabisa
Inzuzo ecacileyo yebhanki ye-intanethi ilula. Ngokungafani namasebe asekuhlaleni avulekileyo kwiiyure ezithile zomhla, ibhanki ye-intanethi ifikeleleka ngeenxa zonke xa uyifunayo.
Akukho mfuneko yokuchitha ixesha lokuya kwisebe lendawo yakho okanye ukuma emgceni ukulinda ithuba lokuthetha nomgcini webhanki. Xa ubhanki kwi-intanethi, ungagcina ixesha elide ngokwenza konke kwishedyuli yakho- nangona unemizuzu emincinane emihlanu ukungena kwiwebhsayithi yakho yebhanki kwaye uhlawule ibhilikhwe.
2. Ulawulo oluLawulayo ngokuSebenza kwakho
Uba ngumgcini wakho webhanki xa ubhanki kwi-intanethi. Ngethuba nje uqonda izinto ezisisiseko zokusebenzisa i-web ukugqiba imisebenzi elula, kufuneka ukwazi ukuhamba ngewebhsayithi yebhanki yakho intuitively ukwenza ukuthengiselana kwakho.
Ukongezelela ekusebenziseni ibhanki ye-intanethi ngokuthengiselana okuyisiseko njengeentlawulo zebhilidi kunye nokutshintshwa, unokusebenzisa ngokuninzi iinkonzo ezongezelelweyo ezongezelelweyo onokuyithatha kuphela enokuhambela isebe lakho lendawo. Umzekelo, ukuvula i-akhawunti entsha, ukutshintsha uhlobo lwe-akhawunti yakho okanye ukufaka ukwandiswa kumlinganiselo wekhadi lakho lesikweletu .
3. Ukufikelela kwizinto zonke kwiindawo enye
Xa u tyelela ibhanki yakho kumntu kwaye ufumane umtshizi ukwenza yonke ibhanki yakho kuwe, awunakuze ubone into eninzi ngaphandle koko kuvela kwi-risithi yakho. Ngebhanki ye-intanethi, ke ke, ufumanisa ukuba imali yakho iphi na ngoku, apho sele ihambe khona nalapho ifuna khona ukuya khona.
Iibhanki ze-intanethi zikunika ukufikelela kwezi zinto zilandelayo:
- Iibhalansi zamanje zebhanki nganye e-bhanki onayo kwibhanki ethile (njengokutshekisha nokugcina imali)
- Iibhalansi zangoku ze-akhawunti nganye ebolekayo enayo kwibhankini ethile (njengamakhadi-mboleko)
- Imbali yokuthengiswa kweAkhawunti
- Ukulindela
- Zonke iintlawulo zezibhengezo kunye nembali yentlawulo yebhilikhi
4. Iimali eziphantsi kweBhanki kunye neNkxaso-mali ephezulu
Iindleko eziphantsi kweendleko ezinxulumene nobume bobhanki be-intanethi zivumela iibhanki ukuba zinikeze abathengi babo amandla amakhulu okubhanka kwi-intanethi nabo. Ngokomzekelo, ezinye iibhanki azihlawulanga iifowi zee-akhawunti zokulondoloza i-intanethi ezigcina ubuncinane bhalansi.
Iingxelo ezininzi zokugcina imali kwi-intanethi zibonelela ngexabiso eliphezulu xa kuthelekiswa neebhanki ezigcina amasebe asekuhlaleni. Unokufuna ukukhangela uluhlu lwebhanki yee-akhawunti zokulondoloza imali xa unomdla wokusebenzisa inzala ephezulu kwi-banking yakho.
5. Iingxelo ezingapheliyo
Akukho mfuneko yokulinda izitatimende zakho zebhanki ukuba zifike kwi-imeyile xa uphuma ngaphandle kweefaythi ezingenayo iphepha. Akukho mfuneko yokwenza igumbi lakho kwikhaya lokugcina impahla kunye nazo zonke iinkcitho zakho ezifumaneka kuwe kwi-intanethi.
Iibhanki ezininzi zikuvumela ukuba ukhangele i-e-statements malunga namaxesha athile eneminyaka emininzi edlulileyo emva kweefowuni ezimbalwa ze mouse yakho. Kwaye njengebhonasi eyongeziweyo engabandakanyekanga kunye neebhanki, uya kwenza ulawulo lwendalo lube luncedo olukhulu ngokunciphisa ukusetyenziswa kwamaphepha.
6. I-Akhawunti ye-Akhawunti
Xa ubhalisa ukufumana i-e-statements esikhundleni seengxelo zephepha, ibhanki yakho iya kubeka isilumkiso ukukwazisa nge-imeyile xa i-e-statement yakho ilungele ukuyijonga. Ukongeza kwiingxelo ze-e-statement, ungasetha izilumkiso zeminye imisebenzi emininzi.
Ufanele ukwazi ukubeka isaziso sokukwazisa nge-balance balance yakho, ukuxelela ukuba i-akhawunti iphezulu okanye ingaphantsi kwemali ethile, ukukwazisa xa i-akhawunti yakho ichithwe kwaye ikwazise xa usondele fi kelele umda wakho wemali. Unokwazi ukuhamba ngaphaya kwezinto ezisiseko ngokubeka izilumkiso malunga nexesha lokuhlawulwa kwebhilikhi, xa isheke likhutshiwe, xa ukuthengiswa kwexesha elizayo liza kunyuka kakhulu nangaphezulu.
7. Ukhuseleko olukhuselekileyo
Amabhanki athabatha ukhuseleko kakhulu kwaye asebenzise uluhlu lwezinto zokukhusela ukugcina ulwazi lwakho lukhuselekile. Ulwazi lwakho lukhutshwe ukuze lukhusele njengoko luhamba phezu kwewebhu, ongayifumana ngokujonga i- https: // kunye nesimboli sokukhusela i-pad lock kwi-URL yebhanki ye-URL yebhanki yakho.
Ukuba uba lixhoba lokulahlekelwa kwezimali ngokuthe ngqo ngenxa yomsebenzi we-akhawunti ongagunyazisiweyo, uya kuhlawulwa ngokupheleleyo xa uyazisa ibhanki yakho malunga nalo. Ngokutsho kwe-FDIC, unokufikelela kwiintsuku ezingama-60 ukuxelela ibhanki yakho yemisebenzi engagunyaziswanga ngaphambi kokubeka umngcipheko umthwalo wabathengi abangenamkhawulo.
Xa Ufuna Uncedo Nge-Banking Online
Ingxaki enkulu kuphela yokubhanka kwi-intanethi kukuba kunokukwazi ukufumana ikhefu lokufunda ukuze uxhomeke kuyo, kwaye ungenaye umgcini webhanki okanye umphathi ojikelezayo ukukunceda xa usekhompyutheni yakho ekhaya, uzama ukufumanisa into uhlale unamathele. Ungabhekisela kwiziko lakho loNcedo lweBhanki okanye kwi-akhawunti yeBhanki okanye mhlawumbi ukhangele inombolo yenkonzo yamakhasimende ukuba ufowunelwe ukuba ulungiswe ngokuthetha ngqo nommeli webhanki.