Kev Khaws Thiab Siv Nyiaj Nrog Tsev Txhab Nyiaj (Bank) (2009)
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- Francine Mosley
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1 Kev Khaws Thiab Siv Nyiaj Nrog Tsev Txhab Nyiaj (Bank) (2009) Koj Tso Siab Rau Los Tau Daim ntawv no qhia txog tej yam loj uas sawvdaws yuavtsum paub txog cov tsev txhab nyiaj (bank) thiab tsev koom nyiaj (credit unions), xwsli cov txhab nyiaj sau nyiaj tawm (checking accounts), tseg nyiaj (savings accounts), cov txhab nyiaj tau paj loj thiab daim nyiaj yas (certificates of deposit and debit cards). Tsis tag li, daim ntawv no yuav qhia tias yuav qhib tau tej lub txhab nyiaj (account) li cas thiab yog muaj teebmeem no yuav ua li cas. Koj Tso Siab Rau Los Tau Ib qhov chaw uas koj tso siab tau thiab ua yoojyim rau koj khaws cia nyiaj Cov tsev txhab nyiaj xws li cov tsev txhab nyia loj (commercial banks), thiab tej koos haum pab tseg nyiaj thiab qiv nyiaj (savings and loan associations) nrog rau cov tsev koom nyiaj (credit unions) yog cov chaw uas yuav khaws koj cov nyiaj zoo thiab muaj kev rau koj mus rho tau koj cov nyiaj. Tsis tam li,pab tau koj saib seb koj siv koj cov nyiaj li cas. Koj yuavtsum paub tias cov tsev txhab nyiaj yog tshwm los kom tau nyiaj (for profit companies) yog li, pes tau tias lawv ua tau nyiaj rau lawv lub koos haum los ntawm cov nqi uas koj them rau lawv (from charging fees and lending money). Cov nyiaj uas koj muab cia rau cov tsev txhab nyiaj no, nom tswv tebchaws yeej lees ntxiv yog muaj teem meem tshwm sim ua rau ploj lawm. Koog nyiaj uas lawv yuav pab lees ntxiv yog nyob ntawd seb koj muaj puastsawg xwb txog li $250,000 rau ib tug tibneeg cov nyiaj nyob ib lub tsev txhab nyiaj. Tabsis yog koj muaj ntau yam kev khaws nyiaj nyob rau hauv tib lub tsev ntawd, xwsli ntau dua li ib leeg koom tib txhab nyiaj (joint account) losis yog koj muaj Nyiaj Laus Rau Tej Tug Tibneeg (Individual Retirement Accounts). Txhua qov chaw uas nomtswv yuav lees pab yuavtsum tiv paib qhia tias lawv muaj kev pabcuam li no,sawvdaws thiaj li paub (daim paib no sau tias lub koos haum Federal Deposit Insurance Corporation los sis FDIC tiv thaiv cov nyiaj hauv lub chaw ntawd).
2 Ib lub tsev txhab nyiaj koom nyiaj (hu ua lub credit union) yog ib lub uas tsi yog tshwm los kom ua tau muaj nyiaj rau lawv tus kheej tabsis yog tias ib pab tibneeg sib koom nyiaj thiab lawv sawvdaws tswjhwm cov nyiaj no li. Feem ntau cov tsev txhab nyiaj koom nyiaj (credit unions) no yog ua los pab ib pab neeg xws lis ib pab neeg uas ua hauj lwm ua ke los sis ib pab neeg uas mus pe hawm ua ke. Cov tsev koom nyiaj no los muaj cov txhab nyiaj sau nyiaj tawm (checking account), cov txhab tseg (savings account), thiab qiv nyiaj, thiab ntau zaus tseem pub tus paj laum qis dua cov tsev txhab nyiaj uas tshwm kom tau nyiaj. Cov tswj nomtswv qhov lees pab National Credit Union Share Insurance Fund, yog los ntawm lub National Credit Union Administration, yog cov uas yuav pab lees cov nyiaj txog $250,000 rau txhua pab nyiaj uas nyob cov tsev koom nyiaj no. Yog koj xav paub tias tej pab koom nyiaj no nyob hauv twg no, hu us rau Credit Union National Association ntawm , losis mus xyuas lawv lub chaw faisfab ( Yog koj thawj zaug mus qhib txhab nyiaj no yuav tsum ua li cas Yog koj qhib tsis tau ib lub txhab nyiaj tshiab (bank account) no tej zaum yogvim koj lub npe yob rau chaw tso npe hu ua ChexSystems, uas ntau lub tsev txhab nyiaj koom los sib qhia tias leejtwg tau coj tsi zoo yav tag los lawm. Yog koj tau rho nyiaj dhau li uas koj muaj thiab cia li kaw koj lub txhab nyiaj lawm no, lawv yuav muab koj lub npe tso rau ChexSystems. Nomtswv tebchaws tau pom tias ChexSystems yog ib lub koomhaum qhia rau sawvdaws uas yuav thov tias yus kev them nuj nqi zoo li cas lawm thiab yog li yuavtsum coj lawd li txoj cai Fair Credit Reporting Act (FCRA), uas yog nomtswv phab Federal Trade Commission (FTC) ( ua tus xyuas. Thaum lawv muaj ib qhov tsi zoo txog ib tug twg, qhov no yuav tau nyob nrog tus ntawd cov ntaub ntawv txog li tsib xyoo, tshuav yog lub chaw txhab nyiaj ntawv tivtuaj kom muab rhoua ntej ntawd. Yog nyob ntawm cov tsev txhab nyiaj thiab tsev koom nyiaj txiav txim siab seb yuav rho tus neeg lub npe tawm thaum twg. Koj muaj cai txais tau koj daim ntawv no los ntawd ChexSystems ib lub xyoo twg ib zaus los tau. Lawv tus xovtooj yog losis mus rau Yog lawv tau txwv koj tsi pub qhib ib lub chaw tso nyiaj losis yog lwm tus tau siv koj lub npe muslawm no ces koj yuavtsum tiv tuaj lawv. Piv txwv tias muaj tej tug nyiag koj cov ntawv sau nyiaj tawm es sau tau koj lub npe thiab siv koj cov nyiaj li lawv xav. Chexsystems daim ntawv yuav qhia tias yog tej yam tsi yog no koj yuav tau ua li cas los kho. Thaum koj tivtuaj lawv yuavtsum mus xyuas thiab kho tag ces lawv li mam qhia koj tias lawv ua li cas lawm ua ntej 30 hnub. Cov chaw SCAN (Shared Check Authorization Network) thiab Telecheck yog cov chaw uas lawv khaw tej yam cia xwsli yog koj sau nyiaj tshev tiam sis koj tsis muaj nyiaj txaus nyob rau hauv koj lub txhab nyiaj (account). Yog muaj tej lub tab laj uas tsi txais koj cov ntawv sau nyiaj tawm koj hu mus yuav ib daim qhia tias yog vim li cas nyob rau hauv SCAN rau thiab Telecheck rau Cov Txhab Nyiaj Sau Nyiaj Tawm (checking accounts)
3 Cov txhab nyiaj sau nyiaj tawm no ces yuav pub koj ntxiv nyiaj thiab rho nyiaj thiab sau ntawv nyiaj tawm los them tej yam koj yuav thiab tej nuj nqi. Cov ob leeg koom ces tso cai rau ob leeg los tso thiab rho nyiaj tawm xwsli ob niam txiv. Cov txhab nyiaj no ces yuav tso cai rau koj yog koj xav ntxiv losis rho nyiaj los siv cov tub nyiaj sab nrau (ATM) qhov twg los tau. Koj txhua daim yas nrho nyiaj yuav muaj ib cov leb uas tsuas yog koj thiaj li pom thiab paub xwb (personal identification number losis PIN). (Yog xav paub ntxiv, saib qhov Using a debit card. ) Nrog koj daim yas rho nyiaj (ATM card) thiab tus PIN, koj mus yuav tau khoom losis mus rho tau nyiaj tom taj laj. Cov tsev txhab nyiaj thiab cov tsev koom nyiaj muaj ntau yam txhab nyiaj sau nyiaj tawm: Siv cov txhab nyaj sau nyiaj tawm dawb (free checking) yuav tsis ntxiv nqi rau koj txhua hli thiab tsis toob kas kom koj muaj ib koog nyiaj nyob rau hauv tas mus li muaj rau koj yog koj txaus siab tias kom koj cov nyiaj los hauv faisfab ncaj nraim (direct deposit) tom chaw hauj lwm losis nomtswv tuaj los rau lawv. Yog koj qhov haujlwm xa nyiaj ntawd faisfab (direct deposit) li no qhov zoo yog tias koj tsis tas txhawj txog tej yam phem (xws li yog leej twg nyiag koj daim nyiaj ntawv (check) los sis yog koj ua ploj lawm) thiab koj tsis thas tso daim ntawv nyiaj (deposit). Yog koj siv cov tub nyiaj sab nraud (ATM) no tej zaug koj tso thiab rho tau nyiaj tsis tiv nqi. Yog koj tau nyiaj los ntawd nomtswv los, xwsli nyiaj Social Security losis Supple-mental Security Disability Income (SSDI) ces nomtswv yuav pab tau koj tsim tsa ib lub txhab nyiaj faisfab hu ua electronic transfer accounts (losis ETA). Nomtswv yuav pab koj txo tus nqi txhua hli (monthly fee), lawv yuav pub koj siv daim yas rho nyiaj thiab lawv yuav pub koj rho nyiaj tawm li plaub zaus tuaj ib hlis. Koj yuav rho tau nyiaj tom koj lub tsev txhab nyiaj (bank)losis tsev koom nyiaj (credit union) losis tom cov chaw them nyiaj tom taj laj. Qhov uas cov no tsi muaj ces yog tsi muaj ntawv (checks) rau koj sau tawm. Yog koj xav paub txog cov tsev txhab nyiaj losis cov tsev koom nyiaj uas muaj yam txhab nyiaj (ETA) no ces hu mus rau losis mus xyuas lub chaw faisfab Cov txhab nyiaj pab kom ua taus neej (Basis losis Lifeline accounts) feem ntau tsis toob kas kom muaj nyiaj tau nyob rau hauv (low minimum balance) pes tau tias lawv yuav tsis tiv nqi ntxiv rau koj yog koj cov nyiaj (balance) qis heev lawm. Tej txhia lavmuaj cai kom lawv cov tsev txhab nyiaj yuav tsum muaj tej kev pab (basic checking accounts) rau cov neeg uas tsis muaj nyiaj ntau. Cov basic checking accounts no tej zaug pub yus sau ntawv nyiaj (checks) tshawg. Cov txhab nyiaj nyob ntawd chaw faisfab xwb (internet banking) yuav pub koj xyuas thiab siv nyiaj los ntawm koj lub ntaus ntawv faisfab (computer). Yog koj muaj hom no, koj yuavtsum tau xa koj daim ntawv nyiaj tom hauj lwm mus rau lawv, los siv cov tub nyiaj sab nrau (ATM), losis tso nyiaj ncaj ntawv koj qhov haujlwm los (direct deposit). Yog koj xav rho nyiaj, koj yuavtsum tau rho los ntawm cov tub nyiaj sab nrau (ATM). Txawm yog tej lub tub nyiaj sab nrau no muaj nqi uas yus yuavtsum them los cov txhab nyiaj nyob chaw faisfab no yuav pab ntxiv nyiaj rau koj los pab them lawv (credit for ATM fees). Tej cov tseem pab koj them tej nuj nqi ncaj los ntawm koj lub txhab nyiaj mus rau lwm qhov chaw txhua hli thiab. Tabsis koj yuavtsum ceevfaj seb lawv puas
4 muaj kev pabcuam los ntawm nomtswv yog muaj teebmeem rau koj cov nyiaj thaum tseem nyob tom txhab. Lawv muaj tej txhab nyiaj rau cov laus thiab cov tub ntxhais kawm ntawv uas yuav pub koj tso nyiaj tsawg losis tej cov tsi muaj nyiaj hlo li los tsi ua li cas thiab. Tabsis tej zaum lawv tsi pub koj sau ntawv rho nyiaj, thiab yog koj sau dhau lawv txoj cai rau cov no lawm ces lawv yuav nplua koj. Siv daim nyiaj yas los rho nyiaj (debit card) Yog koj lub chaw txhab nyiaj xa ib daim nyiaj yas rau koj siv rau cov tub nyiaj nyob sab nrau uas haistias yog MasterCard losis Visa noces yog ib daim uas koj rho koj cov niaj tawm yooj yim. Daim yas no mus ncaj nraim rau koj lub txhab nyiaj. Thaum koj siv daim yas no xa koj cov nyiaj yuav mus ncaj nraim ntawm koj lub txhab nyiaj mus rau lub tajlaj. Koj yuav siv tau cov yas no rau txhua qhov chaw uas hais tias lawv txais cov MasterCard losis Visa txawm yog nyogbtebchaw no losis lwm lub tebchaw. Muaj ob txoj kev uas koj siv tau daim nyiaj yas no. Siv koj daim yas siv nyiaj tom cov tub nyiaj sab nrau (ATM) losis thaum koj them rau koj cov khoom tom tajlaj, tabsis koj yuavtsum ntaus koj cov lej kom lawv paub tias yog koj no (PIN #). Lwm txoj kev yog siv li yog cov yas qiv nyiaj rau tom cov taj laj thiab lab noj mov, tabsis li no lawv yuav tsi nug koj ntau koj cov lej los yuavtsum yuav kom sau koj lub npe rau daim ntawv uas qhia tias koj yuav dabtsi. Ceevfaj koj daim yas siv nyiaj Saib koj daim yas siv nyiaj zoo. Yog koj ua ploj lawm thiab tsi xav kom muaj teebmeem loj los ntaw, lwm tus siv no ces koj yuavtsum hu koj lub tsev txhab nyiaj sai li sai tau thaum koj paub lawm tias ploj lawm losis lwm tus nyiag lawm. Yog koj ua koj daim yas nyiaj pawv lawm losis yog luas nyiag lawm, leejtwguas muab siv los tau vim muaj ntau qhov chaw uas tsi ntaus cov lej uas koj paub xwb (PIN #). Txawm yog lwm tus siv me heev xwb los cov tsev txhab nyiaj yuav kom koj them li losis tej lub tsev txhab nyiaj yuav kom koj tsi them dabtsi li los muaj. Thaum lws tus tau siv koj daim yas lawm, tej zaug siv sibhawm ntau heev mus sib hais nrog koj lub tsev txhab nyiaj kom tau koj cov nyiaj rov los. Txhua zaug uas koj ua koj daim nyiaj yas ploj los sis lwm tus muabs nyiag lawm no koj yuav tsum hais rau koj lub tsev txhab nyiaj paub. Tej lub ces yog koj hais lawv paub ua ntej ob hnub tom qab lawv zam tau cov nyiaj uas lwm tus siv lawm, tab sis yog koj hais lawv paub tom qab ob hnub ntawd ces koj yuav tau them lawv txog li $50. Yog koj tseem tos 60 hnub tom qab thiab ces koj yuav poob tag nrho koj cov nyiaj los tau vim tias yog tus tibneeg uas nyiag ntawd siv tshaj cov nyiaj uas koj muaj nyob rau hauv los lawv tiv nqi rau koj vim koj tsis qhia rau lawv tias leej twg tau siv koj daim yas lawm.
5 Yog koj muab koj daim yas siv nyiaj thiab cov lej (PIN) rau lwm tus siv koj cov nyiaj, txawm yog koj tso cai los cov tsev txhab nyiaj yuav tsi zam koj. Yog li, koj yuavtsum khaws cias koj tus lej zoo tsi txhob sau cia losis muab rau lwm tus li. Kev Tseg Nyiaj Tseg nyiaj hauv ib lub chaw txhab nyiaj (savings account) yog ib qhov chaws zoo tso siab tseg nyiaj thiab ua tau paj rau koj cov nyiaj. Thaum koj qhib yam txhab nyiaj no (savings account), tej txhais muaj ib phau ntawv sau cia rau koj sau tias koj tso ntxiv thiab siv nyiaj li cas li cas lawm. Tej cov tsi siv cov ntawv no tiabsis txhua hli los sis txhua peb hlis twg lawv xa ib daim ntawv qhia tias koj tau ntxiv thiab siv li cas lawm (monthly los sis quarterly statement). Koj xav thov kom lawv muab ib daim yas siv nyiaj (ATM) los rau koj ntxiv thiab rho nyiaj ntawd cov tub nyiaj sab nrau los tau. (Koj nkag tau mus ntxiv thiab nrho nyiaj ntawm lawv cov tsev txhab nyiaj los tau thiab). Nyob ntawm koj lub tsev txhab nyiaj seb lawv puas yuav muab tus nqi rau cov yas nyiaj no los tsi muab thiab tej zaum lawv tseem txwv tsi pub rho tshaj li ob los peb zaug tauj ib hli. Qhov zoo yog cov txhab nyiaj no yuav ua paj laum rau koj (interest) uas yuav ntxiv nyiaj rau cov uas koj tau muab rau hauv lawm. Feem ntau cov tsev txhab nyiaj tsi muab paj laum ntau rau cov no kab li 1% losis 3% xwb. Cov paj laum uas lawv muab yog nyob ntawm lub sibhawm tus feem rau cov nyiaj qiv rau lwm tus (annual percentage rate (APR)) los sis cov nyiaj uas koj yuav tau yog koj muab tsev li ib xyoo. Tiamsim no mas cov tsev txhab nyiaj tabtom them sawvdaws li 1% paj laum rau cov txhab nyiaj no. Piv tias yog koj tau $1,000 nyob hauv ces yog nyob ib xyoo, lawv yuav them koj li $10. Cov yam txhab nyiaj yuav paj laum no muaj ob hom, hom yoojyim thiab hom nyuaj (compound). Hom nyuaj (compound interest) yog hom uas zoo dua, vim tias nwgsyuav muab paj laum rau koj cov nyiaj uas koj muaj rau hauv koj txhab nyiaj thiab rau cov paj laum uas lawv ntxiv rau koj. Cov hom nyuaj no yog muab saib tagnrho ib xoo yuav tau li cas no yog hu ua annual percentage yield (losis APY). Cov txhab nyiaj yuav paj loj (certificates of deposit) Cov txhab nyiaj khaws ntev yuav paj ntau no, losis cov CDs, yuav them paj laum rau koj tab sis yuavtsum yog ntev li daim ntawv hais, raws xyoo. Koj xaiv seb koj yuav muab cia ntev npaum li cas xwsli ob lub hlis mus rau tsheej xyoo. Yog koj muab cia ntev no koj yuav tau paj laum ntau dua. Yog koj rho koj cov nyiaj ua ntej li daim ntawv hais, ces koj yuav poob koj cov paj laum. Tej lub tsev txhab nyiaj tseem tiv nqi rau koj thiab. Yog lawv tiv nqi no ces lawv yuav rho los ntawm koj cov nyiaj los. Cov txhab tso khoom tseem ceeb (safe deposit boxes) Cov txhab tso khoom no yog zoo rau koj los khaws koj cov ntawv tseemceeb yog muaj suavtawg, dej nyab los sis tubsab nyiag khoom hauv koj lub tsev.
6 Vim tias tus uas mus qhib lub txhab xaub no yog tib tug uas mus qhib xwb, nws tibleeg thiaj li muab tau cov khoom nyob hauv cov txhab no, tsi muaj lwm tus muab tau cov khoom li. Tej qhov chaw insurance tseem txo tus nqi rau cov khoom uas nyob hauv cov chaw no dua li ntawm cia tej khoom no nyob tom tsev. Tsi txhob tso tej yam tseem ceeb xwsli cov ntawv faib qub txeeg qub teg losis ntawv txog nyiaj tuag vim tias yog koj tuag lawm ces koj tsev tibneeg yuav nkag tsi tau mus muab cov khoom no. Yog koj xav mus qhib txhab tso nyiaj Yog koj xav qhib ib lub txhab tso nyiaj, koj yuavtsum mus rau lub tsev txhab nyiaj losis tsev koom nyiaj. Koj yuavtsum coj koj ib daim ntawv nomtswv xa uas muaj koj daim duab (xwsli daim drivers license tsav tsheb) nrog koj daim ntawv Leb Ua Hauj Lwm (Social Security). Yog koj tsi muaj daim ntawv tsav tsheb, ntawv nomtswv xa tuaj (state I.D.) los sis ntawv mus txawv tebchaw (passport), koj yuavtsum tau hu xovtooj mus rau lub tsev txhab nyiaj seb lwm yam uas lawv txais tau yog dabtsi. Nco coj nyiaj txawm yog nyiaj ntsuab losis nyiaj ntawv sau mus qhib lub txhab nyiaj. Hu lawv ua ntej koj thiaj li paub tias qhov nyiaj tsawg tshaj uas koj yuav tsum tso yog dabtsi. Yog koj xav paub lub tsev txhab nyiaj losis tsev koom nyiaj twg zoo rau koj, koj yuav tau hu lawv ua ntej. Yog koj xav tias koj yuav qhib tau ib qhov txhab nyiaj Lifeline losis ETA, hu mus nug lub tsev txhab los sis koom nyiaj ntawv ua ntej. Qhia tias koj tau yam dabtsi lawv thiaj pab tau koj. Piv xam tias seb koj yuav sau ib los ob daim ntawv rho nyiaj tauj ib hlis xwb los sis tias koj tsi xav siv cov tub nyiaj nyob sab nrau (ATM). Nug tej yam li hauv qab no: Qhov tsawg tshaj uas kuv yuav tau muab los qhib no yog puastsawg? Yog xav tau paj los no, tus paj laum yog npaum li cas? Txhua hli no tus nqi rau nej tuav kuv cov nyiaj yog puastsawg? Puas muaj ib txoj kev rau kuv kom tsi laib them tus nqi txhua hli no? Yog kuv cov nyiaj tsawg tuaj tshaj uas nej xav kom kuv muaj no yuav ua li cas? Kuv sau tau puastsawg daim ntawv nyiaj (checks) sau tawm txhua hli? Tus nqi los siv cov tub nyiaj sab nrau yog li cas? Tus nqi yog li cas og kuv yuav siv lwm lub tsev txhab nyiaj lub tub nyiaj sab nrau neb? Koj yuav tau cov ntawv sau nyiaj tawm los ntawm koj lub tsev txhab nyiaj los tau (tej lub yuav tus nqi siab li $25 rau ib thawv me li 200 daim xwb) losis koj yuav tau ntawm tej lub chaw luam cov nyiaj sau tawm no uas yuav pheejyig dua. Muaj ntau qhov tabsis ob qhov uas pheejyig tshaj yog: Checks in the Mail, , Current, , Kev khaws cuv cia tias khaws thiab siv nyiaj li cas lawm (balancing your checkbook)
7 Lub tsev txhab nyiaj yuav xa cov ntaub ntawv txog koj kev siv nyiaj rau koj. Thaum tuaj txog, koj yuav tau kuajj lawv cov ntaub ntawv xyuas seb ntxiv nyiaj, rho nyiaj, siv daim yas rho nyiaj thiab sau ntawv rho nyiaj puas thwj raws li koj cov ntaub ntawv thiab. Koj yuavtsum sau txhua zaus tias koj tau puastsawg lawm thaum uas saib tej kev ntxiv nyiaj, rho nyiaj, siv daim yas rho nyiaj thiab sau ntawv rho nyiaj. Thaum koj cov ntawv txhua hli tuaj ntawm lub tsev txhab nyiaj tuaj, nyeem txhua kab ntawv seb lawv hais li cas thiaj li kuaj tau txhua yam kom meej. Tej yam koj ua tau uas yuav txo koj cov nqi txhab nyiaj txhua hli Nugs seb koj qhov nyiaj hauv koj lub txhab nyiaj sau tawm (checking) thiab koj qhov nyiaj tseg (savings) ua ke no puas los ua tau rau qhov minimum balance requirement uas lawv txwv tsis pub mus qig tshaj. Siv koj lub tsev txhab nyiaj cov tub nyiaj sab nrau xwb es tsi xob siv lwm lub tsev txhab nyiaj cov ntau kom tsi raugthem lawv cov nyiaj siv. Yog koj yuavtsum siv lawv cov tub rho nyiaj li, ces rho nyiaj kom ntau zog thiaj li tsis ib sij tau rho nyiaj. Siv faisfab los tso nyiaj (direct deposit) los tom haujlwm losis nomtswv los. Lawv yuav siv faisfab xa mus rau tom koj lub txhab nyiaj. Ua li no yuav ceev dua, kheev tso siab rau thiab yuav yooj yim rau koj. Tsis tas li ntawv, tej zaug tseem pab yus tso nyiaj dawb tsis tiv nqi. Yuav cov ntawv sau nyiaj tawm los ntawm lwm qhov chaw uas tsi yog koj lub tsev txhab nyiaj. Nug koj lub tsev txhab nyiaj seb thaum koj rho nyiaj tshaj ntawm qho koj muaj, lawv puas muaj kev pab kom koj tsis txhob raug nqi (overdraft protection) rau koj. Muaj ib hom kev pab los ntawv cov tsev txhab nyiaj hu ua overdraft protection uas pab koj thaum koj rho nyiaj ntau tshaj qhov uas koj muaj. Cov nqi no tsawg me nstis thiab tej zaub lawv ntxiv nqi paj luam tab sis yeej qi tshaj cov nqi uas yuav tiv rau koj yog tsis muaj qhov pab no. Kev uas yuav kho teebmeem Tej yam teebmeem xwsli koj ntxiv nyiaj rau lub txhab nyiaj tsi yog lawm, lawv tsi xa koj cov nyiaj tawm mus them nqi losis lawv rho ob zaug rau ib yam uas koj yuav tej zaum yuav tsi muaj ntau. Thaum koj pom tias muaj tej yam li no lawm, koj yuav tsum mus hais rau lawv. Tej zaum txoj cai rau lub lav ntawd tsuas yog pub sibhawm tsi ntev los mus hais. Yog koj xav mus hais rau lawv, ces hu mus rau koj lub tsev txhab nyiaj los sis nkag kiag mus nrog lawv tham li. Nug seb tus uas pab koj ntawd yog leejtwg thiab sau nws lub npe cia. Thaum tabtom sib hais, qhia lawv seb koj yuav ua li cas thiaj li yuav kho tau qhov teeb meem thiab seb lawv yuav siv sibhawm ntev npaum cas los kho. Ua siab ntev. Yog koj hais lus nrov heev losis hais phem rau lawv ces lawv yuav tsi xav pab kom tau koj.
8 Thaum ham tag lawd, sau ntawv rau rov qab lawv rov piav tej nqis uas neb tau tham txog yog li cas. Yog muaj ntaub ntawv no muab kais thiab xa nrog koj daim ntawv. Daim ntawv no yuav qhia rau lawv tias koj ua koj tog lawm. Yog koj tseem tsi txaus siab thiab, koj mus hais rau lub tsev txhab nyiaj tus saib lawv uas nomtswv tau tsim lo saib rau tej pejxeem (hu ua tus regulator) li hauv qab no. Cov tsev txhab nyiaj uas muaj "national" nyob rau hauv lawv lub npe losis "N.A." tom qab lawv lub npe ces yog tus Comptroller of the Currency, ( Cov hu ua federal savings thiab cov qiv nyiaj thiab khaws nyiaj yog saib ntawv tus Office of Thrift Supervision, ( Cov uas tej lav me tso cais yog tej lub tebchaws ntawd nrhiav cov ua tus saib. Yog koj xav paub, saib phau ntawv xovtooj losis chaw faisfab ( Cov lub tebchaws Mekas tso cai los sis koom nyiaj ces yuav yog tus National Credit Union Administration, ( Yog koj xav tias koj lub tsev txhab nyiaj tsi muaj tej yam hais saum no, ces hu phab saib nyiaj txiag FDIC rau , uas lawv nrog saib cov txhab nyiaj uas muaj insurance nrog lawv. Cov Pab Nyiaj Kom Muaj Daim No Consumer Action s Housing Information Project; Capital One Services Lwm Yam Consumer Action s Housing Information Project ua daim no nrog rau Capital One Services, Inc. Yog Tus No Li 2009 Consumer Action.
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