Kodi ndingatsegule akaunti ku United States ngati waku Mexico? .Ali chatsopano mu USA ndipo muyenera malo komwe sungani ndalama zanu kuti muyambe kusunga. Koma mumayamba kuti? Simukufuna kusunga ndalama zanu pansi pa matiresi anu. Simungalandire ndalama zanu, ndipo sizotetezeka.
Ndiye, Bwanji osapita kubanki? Tsegulani Akaunti ya kubanki imapereka chitetezo ku ndalama zanu komanso njira yoyambira kupanga zotsalira zachuma mdzikolo. Koma sizophweka monga zikuwonekera. Ngakhale zitha kuwoneka ngati zimatengera Wachimereka mphindi yokha kuti atsegule akaunti, zitha kutenga alendo nthawi yayitali .
Ndipo palinso zopinga zambiri zomwe muyenera kudutsa ngati mukufuna kuyamba kusunga ndalama zanu ku US Izi ndi zomwe zikutanthauza ngati simuli nzika yadziko ndipo mukufuna kupeza ntchito zamabanki ku USA . Kwa nthawi yoyamba.
- Pulogalamu ya Lamulo lokonda dziko lako United States idapangitsa kuti zikhale zovuta kuti alendo azitsegula maakaunti kapena kuchita nawo ndalama ku United States.
- Alendo amafunika kuzindikiridwa kuposa okhala nzika zokhazikika ndi nzika.
- Aliyense amene amatsegula akaunti angafunike nambala ya Social Security kapena nambala yodziwika ya okhometsa msonkho.
- Ngakhale mabanki ambiri amalola makasitomala kuti azitsegula maakaunti awo pa intaneti, osakhala komweko angafunikire kukaona nthambi kuti akamalize kugwiritsa ntchito.
Zomwe muyenera kutsegula akaunti yakubanki
Ngati ndinu nzika osati amereka Ngati mukufuna kutsegula akaunti yakubanki, mabungwe azachuma amafuna kuti mupereke imodzi mwanjira izi:
- Nambala yozindikiritsa wokhomera msonkho (ITIN)
- A nambala ya pasipoti kapena nambala yakuzindikiritsa mlendo
- Boma lidatulutsa ID yoperekedwa ndi dziko lakunja
Kuphatikiza apo, nzika zonse zomwe si nzika zaku US komanso nzika zaku US akuyenera kupereka izi kuti atsegule akaunti yaku banki:
- Dzina
- Tsiku lobadwa
- Umboni wa adilesi yanu, monga kubwereketsa kapena ndalama zofunikira
Lamulo ku United States limafuna kuti mabungwe azachuma adziwe kuti makasitomala awo ndi ndani ndikutsatira zomwe akuchita. Izi zikutanthauza kuti mabanki ndi mabungwe azokongoletsa ngongole ayenera kutsimikizira kuti kasitomala ndi ndani akamatsegula akaunti yatsopano, monga akaunti yowunika, akaunti yosunga, kapena satifiketi yoyikira (CD).
Kuphatikiza pa zida zomwe tatchulazi, nzika zaku US zikuyenera kupereka nambala yawo ya Social Security kuti itsegule akaunti yakubanki.
Ndine mlendo wopanda zikalata, kodi ndingatsegule akaunti?
Mutha kutsegula akaunti yakubanki ngati muli ochokera kudziko lina opanda zikalata m'mabanki ena, monga Bank of America. Komabe, mungafunike kulembetsa pamasom'pamaso ndipo muyenera mitundu yazidziwitso, monga umboni wa adilesi, nambala yakuzindikiritsa okhometsa misonkho (TIN), satifiketi yakubadwa, pasipoti yomwe yatha, ndi zina zambiri.
Banki iliyonse ili ndi njira zake, onetsetsani kuti mwasanthula zofunikira musanapite kunthambi yakwanuko.
Chifukwa chiyani nzika zomwe sizili ku US zimafunikira zina zowonjezera kuti zitsegule akaunti yakubanki?
Osati nzika zonse zomwe si za US zomwe zili ndi manambala a Social Security. Izi zimapangitsa kutsimikizira nzika yomwe siili ku US kukhala yovuta, ndichifukwa chake mabanki ndi mabungwe azangongole amafunikira pasipoti ya mlendo kapena chikalata chodziwitsa boma kuti atsimikizire kuti ndi ndani.
Ntchito zaku banki zapaintaneti nthawi zambiri sizipereka malo olowera pasipoti kapena nambala ina yakudziwitsa. Chifukwa chake, mabungwe nthawi zambiri amapempha alendo kuti alowe munthambi kuti atsimikizire kuti ndi ndani. Ichi ndichifukwa chake zingakhale zovuta, mwinanso zosatheka, kuti nzika zomwe sizili ku US zitsegule akaunti ndi mabanki ena paintaneti. Nthawi zambiri, mabanki paintaneti amakhala alibe nthambi zakuthupi.
Musanapite ku banki kapena kuntchito yogwirizira ngongole, onetsetsani kuti mwayang'ana tsamba lawebusayiti kapena kuitanitsa kuti mudziwe zambiri pazolemba zotsimikizira alendo. Bungwe lirilonse liri ndi ndondomeko zake ndi ndondomeko zake kuti zikwaniritse zofunikira zomwe tatchulazi.
Momwe mungatsegule akaunti yakubanki popanda nambala ya Social Security
Alendo okhala ndi nambala ya Social Security amatha kumaliza ntchito yofunsira akaunti yakubanki pa intaneti ngati nzika ina iliyonse yaku US, chifukwa amawerengedwa kuti ndi nzika zaku US pamisonkho.
Mwachitsanzo, ku Bank of America, alendo omwe akukhala kwawo atha kutsegula akaunti ku nthambi ya BofA Kupereka khadi yokhazikika, khadi yantchito ya INS, visa yopanda alendo, khadi lowoloka malire kapena pasipoti yakunja, komanso mawonekedwe ena owonjezera.
Malinga ndi a Don Vecchiarello, Jr., wachiwiri kwa wachiwiri kwa BofA komanso woyang'anira zamalonda pazogulitsa ndi mabizinesi ang'onoang'ono, njira zomwe zingafunike kuzindikiritsa sekondale ndi kirediti kadi kapena kasitomala, ID ya ophunzira, khadi yakugwira ntchito, kapena layisensi yakampani.
Komabe, omwe siomwe amakhala sangakwanitse kuchita izi. Nthawi zambiri uthenga wolakwika umatha kuuza munthuyo kuti akayendere nthambi yakomweko kapena akapemphe thandizo. Pachifukwa ichi, zitha kukhala zabwino kuti alendo omwe akukhala kunja azikhala m'mabanki omwe ali ndi malo enieni. Mabanki akulu sangakhale ndi zopinga zosakhala nzika kuposa mabanki ang'onoang'ono, atero a Ken Tumin, oyambitsa ndi mkonzi wa DepositAccounts.com.
Ngati ndinu mlendo osakhalamo, muyenera kupita kukaona ku banki kuti mukapeze cheke kapena akaunti yosunga mothandizidwa ndi mlembi wa banki. Mabanki ena atha kufunsa zikalata zosamukira m'malo mwazidziwitso zina, koma zitha kukhala zovuta.
Chovuta ndikuti oyang'anira mabanki sangadziwe momwe mulili komanso zolembedwa zomwe zikufunika kuti mutsegule akaunti yanu, a Libby Dawson, mlangizi wachuma ku Worldview Wealth Advisors. Mungafunike kupereka zikalata zonse zomwe banki ikufunika kuti izitsegulira akaunti anthu onse omwe si a US, ngakhale mutakhala alendo.
Adzatsatira zomwe akuwona malinga ndi kachitidwe kawo, koma kumapeto kwa tsikulo, nthawi zambiri mpaka mapepalawo atasinthidwa ndiomwe amadziwika bwino ngati zonse zachitika momwe zimayenera kuchitidwira, Dawson adati.
Alendo okhalamo ali ndi zosankha pa intaneti.
MagnifyMoney adawunikiranso fomu yofunsira ma banki m'mabanki asanu ndi atatu apamwamba ku US Tidapeza kuti ngati ndinu mlendo wokhala ndi nambala yachitetezo cha anthu, mutha kutsegula akaunti pa intaneti ndi banki yayikulu yaku US.
Komabe, mabanki ang'onoang'ono akumaloko sangalole nzika zomwe sizili ku US, alendo, kapena alendo osakhala kwawo, kuti azigwiritsa ntchito intaneti. Mwachitsanzo, ku Hills Bank, banki ya ku Iowa City, Iowa, tidazindikira kuti ntchito yawo yapaintaneti imadziwitsa wopemphayo kuti ngati si nzika zaku US kapena anthu aku US, sangapitilize kugwiritsa ntchito njirayi.
Ngati ndinu mlendo ndipo mukuyembekeza kutsegula akaunti yakubanki pa intaneti, njira yabwino kwambiri ikhoza kukhala banki yayikulu yaku America yomwe imagwira ntchito mdziko lonselo. Mukamagwiritsa ntchito intaneti, muyenera kulemba zambiri zanu, kuphatikiza dzina, adilesi, nambala yafoni, ndi nambala yanu yachitetezo cha anthu.
Zowona
Ngakhale mukuloledwa kutsegula akaunti, malamulowa ndi osiyana ndi omwe si nzika. Pulogalamu ya Civil Rights Act ya 1964 Inapatsa mwayi makampani azinsinsi ku US ufulu wochita mgwirizano ndi anthu akunja kapena magulu, zomwe zimapangitsa kukhala kosavuta kwa nzika zatsopano zaku US.
Koma fayilo ya Mchitidwe Wachikondi wa US, yomwe idadutsa zigawenga zikafika pa Seputembara 11, 2001, zidapangitsa kuti zikhale zovuta kuti alendo azitsegula maakaunti kapena kuchita zochitika ku US, kapena kuchita bizinesi ndi mabungwe azachuma aku US akunja.
Mwalamulo, mabanki ndi mabungwe azokongoletsa ngongole ayenera kutsatira malangizo okhwima poonetsetsa kuti ndi ndani amene siaka US. Komabe, ngati mukukhala nzika zololedwa mwalamulo, zingatenge nthawi yofanana kuti mutsegule akaunti yanu ngati nzika.
Mufunika ID
Akunja kapena ayi, omwe amafunsira akaunti yaku banki ayenera kutsimikizira dzina lawo, tsiku lobadwa ndi komwe amakhala, mwachitsanzo, kuchokera ku bilu yothandizira. Koma ngati ndinu mlendo, mungafunikire kupereka zochulukirapo. Makasitomalawa akuyeneranso kuwonetsa chithunzi cha chithunzi chomwe chimakhala ndi manambala.
Mutha kugwiritsa ntchito pasipoti yovomerezeka, chizindikiritso china choperekedwa ndi boma lakwanu, kapena nambala yakudzindikiritsa mlendo kuchokera pa khadi lobiriwira, visa yakuntchito, kapena ID ya ophunzira. Komabe, muyenera kubweretsa zoyambirira chifukwa zithunzi sizilandiridwa.
Nambala zachitetezo cha anthu
Nthawi zambiri, nambala ya Social Security (SSN) siyikakamizidwa kuti itsegule akaunti yosunga mdziko muno. Komabe, kusakhala ndi imodzi kungapangitse banki kuwunikanso zolemba zanu zina. Sizingakulepheretseni kupeza akaunti, koma zidzakuthandizani. Ngati simungapeze imodzi, muli ndi njira zina.
Ena okhalamo komanso osakhala alendo omwe sangapeze manambala a Social Security atha kuyika fayilo ya mawonekedwe W-7 pamaso pa IRS kuti ipeze nambala yodziwika ya okhometsa msonkho ( ITIN ), yomwe ingalandiridwenso ndi banki.
Mutha kugwiritsa ntchito nambala ya Social Security kapena nambala yodziwika ya okhometsa msonkho kuti mutsegule akaunti yanu.
Zomwe zimafunikira
Malamulo omwe amayang'anira maakaunti ama banki akunja ndi aboma, koma momwe amagwiritsidwira ntchito ndi am'deralo. Mabanki ndi mabungwe azama ngongole ali ndi zikalata zosiyana siyana ndi zomwe amafuna kwa omwe si Amereka omwe amatsegula maakaunti. Chonde onani pasadakhale zomwe zikufunika musanayambe ntchitoyi, makamaka popeza mudzawonekera panokha pamalo omwe muli.
Mabanki apaintaneti
Ambiri omwe siakhazikika akuyenera kulowa mu banki kuti akatsegule akaunti. Izi zikutanthauza kuti ngakhale mutayamba kutsegula akaunti yanu pa intaneti, mudzayenera kuwonekera panokha kuti mumalize ntchito yanu.
Chitetezo chowonjezeka pambuyo pa 2001 chidapangitsa kuti kuchotsedwa kwathunthu kwa mapulogalamu a pa intaneti amaakaunti akunja, chifukwa cha mantha omwe amabwera chifukwa cha uchigawenga. Izi zikukulepheretsani kuti mulembetse ku amodzi mwa mabanki ambiri pa intaneti chifukwa zidzakhala zovuta kuti atsimikizire zolemba zanu.
Osachepera madipoziti
Izi zimasiyananso ndi mabungwe, koma nthawi zambiri zimakhala zochepa. Ena amachokera pa $ 5 mpaka $ 50, pomwe ena amafunikira kwambiri.
Izi zimangotengera komwe mumasungitsa ndalama komanso zabwino zomwe amapereka, zomwe zingakhale, pakati pa ena, kubweza kwambiri kapena kulipiritsa ntchito. Ngati mutsegula akauntiyo ndi ndalama zambiri, tanthauzo la lalikulu lingasiyane kutengera banki, kapena ndi ndalama zochokera kubanki, mungafunikire kuwonetsa umboni wa ndalama .
Mfundo yofunika
Kutsegula akaunti yakubanki ngati nzika yakunja kumafuna khama, mwinanso kupsinjika, kuposa nzika zaku US, makamaka kwa iwo omwe alibe nzika zakunja. Ngati mukukhalabe m'dziko lakwawo, lingalirani kufunafuna banki yamayiko osiyanasiyana ku US.
Khalani ndi nthambi komwe mumakhala ndikutsegulira akaunti musananyamuke. Kusunthika koteroko kuntchito yakunja kumapereka mwayi kwa ofunsira maiko akunja mwayi wokhazikitsa bizinesi ndi bungweli lomwe lingachepetse kufunsa kwa akaunti yaku US mu nthambi yake imodzi mdziko muno.
Zamkatimu
- Zomwe muyenera kutsegula akaunti yakubanki
- Ndine mlendo wopanda zikalata, kodi ndingatsegule akaunti?
- Chifukwa chiyani nzika zomwe sizili ku US zimafunikira zina zowonjezera kuti zitsegule akaunti yakubanki?
- Momwe mungatsegule akaunti yakubanki popanda nambala ya Social Security
- Alendo okhalamo ali ndi zosankha pa intaneti.
- Zowona
- Mufunika ID
- Nambala zachitetezo cha anthu
- Zomwe zimafunikira
- Mabanki apaintaneti
- Osachepera madipoziti
- Mfundo yofunika