A checking account tsis yog qhov chaw ntawd Kev pheej hmoo tub sab: Txawm tias qhov no yog qhov pheej hmoo me me, qhov tseeb yog tias cov nyiaj koj khaws hauv koj tus as khauj tuaj yeem nkag tau yooj yim ntawm debit daim npav. Yog tias koj daim npav poob lossis raug nyiag lawm, koj tus as khauj yuav raug tshem tawm los ntawm kev yuav khoom tsis raug cai lossis rho ATM.
Kev txheeb xyuas cov nyiaj muaj kev nyab xeeb npaum li cas?
Nyiaj hauv US checking account yog FDIC insured, yog li nws "muaj kev nyab xeeb" hauv kev nkag siab tias koj tsis tas yuav txhawj xeeb txog kev khiav ntawm lub txhab nyiaj lossis tawm mus. ntawm kev lag luam. Kev yuav khoom dag yog lwm yam tag nrho - koj yuav tsum tau kuaj nrog koj lub txhab nyiaj thiab saib seb lawv txoj cai yog dab tsi rau cov nqi tsis tau tso cai ua nrog koj daim debit.
Puas yog nyiaj nyab xeeb hauv kev txheeb xyuas lossis khaws cia?
Tiv thaiv koj cov nyiaj khaws cia
Ua tsaug rau kev tiv thaiv cov neeg siv khoom thiab FDIC, cov nyiaj hauv koj tus as-qhauj nyiaj khaws cia muaj kev nyab xeeb thiab nyab xeebYog tias muaj kev lag luam tsis raug tso cai, lub lub txhab nyiaj yuav them rov qab koj cov nyiaj, yog tias koj tshaj tawm rau lub sijhawm. Tau kawg, nws yog qhov zoo tshaj kom tsis txhob muaj kev lag luam tsis raug tso cai hauv thawj qhov chaw.
Qhov chaw nyab xeeb tshaj yog dab tsi khaws nyiaj?
Savings accounts yog qhov chaw nyab xeeb khaws koj cov nyiaj vim tias txhua qhov tso nyiaj los ntawm cov neeg siv khoom tau lees paub los ntawm Tsoom Fwv Teb Chaws Cov Nyiaj Pov Hwm Pov Hwm (FDIC) rau cov txhab nyiaj hauv txhab nyiaj lossis National Credit Union Administration (NCUA) for credit union accounts.
Lub txhab nyiaj twg zoo tshaj plaws kom khaws nyiaj?
Wells Fargo & CompanyWells Fargo & Company (NYSE:WFC) yog lub txhab nyiaj tsis muaj kev txhawj xeeb tshaj plaws hauv Asmeskas, tam sim no JP Morgan Chase & Co.
