Ibhanki Eyona Eyona Eyona Ncinci Kwimashishini Amancinci ixhomekeke kuMqulu Wezoqoqosho kunye neemfuno
Kodwa amehlo e-Cyclopean aseCanada amakhulu amabhanki ekugqibeleni ahlasele kwiibhanki zoshishini ezincinci kwaye, emva kokuba anqume ukuba abanikazi bamashishini abancinci beemakethe ezifanelekileyo, iibhanki zikhuphisana ngokwenene ukwenza iibhanki zebhanki zoshishini ukuba abanikazi bamashishini abancinci bafumane ukukhangisa - kwaye oko kuthetha ukudala iibhanki zoshishino ezincinane kunye neentlawulo eziphantsi kwebhanki.
Nantsi iibhanki zebhanki zebhanki zezona zorhwebo zamancinci aseCanada ezisekelwe kwiindleko zabo zenyanga ukuze uthelekise kwaye unqume ukuba yiyiphi ibhanki engcono kwi shishini elincinci.
Iibhanki zeBhanki zeBhangi zeeNkampani ezisezantsi
Ukuba awunayo intsebenzo eninzi inyanga nganye kwaye akudingeki ubhale okanye udibanise iikopi ezininzi, unokukwazi ukusebenzisa i-akhawunti yebhanki yebhanki kuphela, i-RBC ye-Small Business eAccount, engenakho imali yenyanga, i-akhawunti yekhompyutha engenamkhawulo. intlawulo nganye ngenyanga kwaye akukho ncinane ibhalansi efunekayo.
Nangona kunjalo, iifayili eziqhelekileyo zisebenza kuzo zonke izinto ezingekho ngekhompyutha, njenge-$ 2.00 ukuhlawulwa kwento nganye yephepha okanye ukutshekisha, ukuhlawulwa kwe-$ 3.50 nganye kwiphepha lekhredithi okanye idiphozithi kunye ne-$ 5.00 yokuhlawula yonke imali engama-$ 1,000 egcinwe kwi-yesebe. Ngoko ke ngaphandle kokuba abathengi bakho bonke bakhokhe ngokuthe ngqo nge-credit, debit okanye ukudluliselwa kwesebe, unokube ngcono xa usuka kwi-akhawunti yebhanki yebhanki enemali yenyanga.
Ngokomzekelo, i-RBC ikwabonelela nge-Business Essential $ 6 ye-Akhawunti yeShishini elincinci. Imali eyi-6.00 yemali ayisebenzisi ukuba imali yakho yokuthengiselana ingaphezulu kwama-6.00 weeRhafu kunye nemirhumo yokuthengiselana iyancipha ngenani lokuthengiselana; umzekelo, ukuba wenza i-transactions esekelwe kwiphepha le-1-10, intlawulo yomthengi i $ 1.25 nganye kodwa ukuba wenza 11-30, umrhumo wehla uhlahlela kwi $ 1.20 nganye.
Unokunciphisa nemirhumo yokuthengiselana ngebhanki ngekhompyutha; 1-10 ukuthengiswa kombane nge-0.75 nganye.
I-akhawunti yebhanki yebhanki ngemali ephantsi yenyanga yenyanga ngoku i-TD yeSiseko soShishino lweSiseko. Imali ye-5.00 yemali nganye yenyanga iquka ukuthengiswa kwamahhala kwamahlanu kunye neentlanu ezintlanu zentlawulo nganye. Emva koko, intengiso nganye i-$ 1.25 kwaye into nganye yediphozithi i-$ 0.22 kunye neyokuqala ezintlanu zohlobo ngalunye lomthengi zikhululekile. Iimali ezikhethiweyo zi-$ 2.50 ngeyonke i-$ 1,000.
Iingxondorha ezithandathu zibonakala ziyimali eyaziwayo kwiakhawunti ebhaliweyo. Inkokhelo yenyanga nganye kwi-akhawunti ye-Scotiabank ye-Right Size kwi-shishini (kunye nemirhumo yentlawulo ye-$ 1.20 ukuya kwi $ 0.85 nganye kuxhomekeke kwimivuzo emininzi oyisebenzisayo ngenyanga), i-akhawunti yasebhanki yeBusiness yeBhanki yokuqala ekuvumela ukuba usebenze ngokukhululekileyo kwinyanga kunye ne -akhawunti ye-CIBC yeSiseko seNtsebenzo. engakuvumeli nayiphi na intsebenzo yamahhala inyanga nganye kwaye ihlawula i-1.25 yee-transactions nganye yeenkonzo ezenzileyo kunye ne-1.00 yee-transaction nganye.
I-Scotiabank inikezela nge-akhawunti ye-akhawunti ye-akhawunti ye-US ebalulekileyo, ene-minimum maintenance account ye-$ 9.95 ngenyanga. Ukongezelela, uhlawuliswa yonke into yakho yokuthengiselana kwintlawulo yokusetyenziswa kwemali.
Ngetekisi nganye, umzekelo, ixabisa i-$ 1.20, ngelixa into ethile egcinwe kwiakhawunti yakho ibiza i-$ 1.00. Into ebangelisayo malunga nale akhawunti kukuba ufumana enye yentlawulo ngokukhululekileyo ngokugcina imali engama-1,100 ubuncinane bemali-mboleko yenyanga, kwaye awuyi kuhlawula umrhumo wenyanga yokugcinwa kweakhawunti xa ubuncinane bentengo yeekhredithi zenyanga nganye ngu-6,000 okanye ngaphezulu.
Kwaye ukuba awunayo iBusiness Low Volume?
Uya kuhlawula ngaphezulu. Maxa wambi kuninzi. Ibhanki ngalinye linikeza umrhumo we-akhawunti yebhanki kunye neentlawulo zabo kwizinto ozenzayo ziyafana. Akukho zithintelo zebhanki.
Iibhanki ezininzi zaseCanada zinikeza i-akhawunti yezoshishino kwi-20 yemali yentlawulo yenyanga nganye enokukusebenzela xa uqhuba ibhizinisi elincinci lokuthengisa.
I-akhawunti yeRBC yaseRoyal ye-RBC Business Essentials I-Akhawunti ye-Fixed-Fee yinto efana neyona nto inikwe ama-akhawunti. Imali yebhanki yenyanga yebhanki yebhanki ye-$ 20.00 ufumana:
- Ukufikelela kuma-debts angama-20 / ukuhlola inyanga nganye
- Ukufikelela kwi-credits / idiphozi ezili-15 nyanga nganye
- Kufike kwizinto ezi-20 ezifakwe kwinyanga nganye
- Ukufikelela kwi-$ 2,500 eyimali egcinwe inyanga nganye.
(Banikela ngeeNtlonelo ezintathu ze-Fixed Fees kwiirhafu zenyanga ezingama-35.00, i-$ 50.00 kunye ne-$ 75.00, ngalinye linamanani amaninzi okuthengiswa ngenyanga.)
Eyona nto ibalulekileyo kwiingxelo yi-akhawunti ye-TD ye-Akhawunti ye-Day Day. I $ 19.00, inika i-deposit items ukuya kwii-5,000 zama-dollar ngemali yokubeka imali, ngaphezu kweyiphi enye ibhanki ezinkulu.
Ukusuka apho, zonke iibhanki zinikeza iakhawunti ngokunyuka kweenyanga zenyanga ezixhomekeke kwinani lentlawulo yenyanga.
I-CIBC inikezela nge-Akhawunti engabonakaliyo ye-Akhawunti esebenzayo, njengoko igama lakho libonisa, linika ukuthengiselana okungenamkhawulo ngemali, imali kunye nokutshekisha ipakethi yepositi ye-$ 50.00 yemali yenyanga. Ukujonga indlela ezimbalwa zokuthengiselana kwenyanga zifakwe kwiinkcukacha ezininzi ezingabonakaliyo kwiibhanki zebhanki kunye nokukhawuleza ukuhlawulwa kwemali yentlawulo, le nto ingaba yinto enokungabizi kakhulu ukuba ishishini lakho lininzi lokuthengiselana kwenyanga.
Iiphakheji zeBhanki zeNcinci
Enye into ehambelana nombandela webhanki engcono kakhulu kwi-shishini elincinci kukuba ezinye iibhanki zinika amaphakheji ebhanki amashishini amancinci athengisa iinkonzo zebhanki.
Iiphakheji ze-bhanki ze-Scotiabank ze-bhanki zinomdla othile; Banikela ngeakhawunti yebhanki yebhanki edibeneyo edibanisa i-akhawunti yebhanki yebhankini kunye neyezinye iinkonzo zebhanki, njenge-Akhawunti ye-Akhawunti ye-ScotiaOne. Ngaphandle kwe-akhawunti yebhanki kunye ne-akhawunti yebhanki yebhanki, icebo liquka i-Visa ikhadi lebhizinisi, i-ScotiaCard kunye ne-banking ye-elektroniki yezoshishino. Imali iqala kwi $ 49.95 ngenyanga.
Indlela Eyona Ngcono Yokufumana I-Akhawunti Yebhanki yeBhanki "Ekhululekile"
... ukugcina ibhalansi yenyanga. Kodwa ibhalansi yenyanga efunekayo yokukhupha imali yokugcinwa kwe-akhawunti isoloko iphakamileyo.
Ngethuba lokubhala, i-akhawunti enexabiso eliphantsi elifunekayo elincinci leenyanga yile ngxelo ye-TD nganye ye-Akhawunti. Awuyi kubakhokhela imali engu-19.00 kwimali yabo imihla ngemihla I-akhawunti yebhanki xa ugcina ibhalansi yenyanga engama-20,000.
Khangela Ii-akhawunti zeBhanki zeBhanki yakho ye-Credit Union Inika kuqala
Kukho ezininzi iinkontileka zeMatyala ezisebenza kwimimandla eyahlukeneyo eCanada. kwaye uya kufuna ukujonga nge-Credit Union yakho yangaphakathi ukuze ubone ukuba yiziphi iindidi zebhanki zebhanki zoshishino. Ngokomlando, iiNkonyunithi zeMatyala ziye zazinomdla omkhulu kwiibhanki zeshishini elincinci kwaye i-Credit Union yakho yendawo inika i-akhawunti yebhanki yebhanki kunye neenkonzo ezikhuphisana kakhulu.
I-Credit Union endiyisebenzisayo inikeza i-Akhawunti ye-Chequing ye-Akhawunti ye-Akhawunti ye-Akhawunti ye-Akhawunti ye-Akhawunti ye-Akhawunti ye-Akhawunti ye-Akhawunti ye-Akhawunti ye-Akhawunti ye-Akhawunti eyi-10.25. Ngaphandle kweendidi zamaphakheji, ndiyathanda kakhulu ukuba imali yabo yokuthengiselana iphantsi kweebhanki kwiimeko ezininzi. Khangela uze ubone; Oku kunokuba yinyaniso kwi-Credit Union kwindawo yakho.
Ibhanki yeBhanki yeNcinci ayikho konke malunga neMali
Ubume obaluleke kakhulu kwibhanki yamashishini amancinci ubuhlobo obunayo kunye ne-bhanki yakho okanye umphathi wesikhungo semali-mboleko, kungekho indleko ye-akhawunti yakho yebhanki yebhanki, ngokukhawuleza okanye phantse phantse onke amashishini amancinci adinga umboleko wezoshishino kunye / okanye umgca wekhredithi . Oko kuthethwa, nangona kunjalo, akukho nto yokuchitha imali nyanga zonke kwiinkonzo ezincinci zebhanki zoshishino osisebenzisiyo okanye ngokuchaseneyo, ukuhlawula iifizi zebhanki zebhanki ezincinci kunye neentlawulo ezincinci zebhanki.
Ukukhangela i-akhawunti yakho yebhanki yebhanki kwaye ukuyithelekisa ngolwazi kwi-akhawunti yebhanki yebhanki ngasentla kunokukunceda ufumane i-akhawunti yebhanki yebhanki efanelekileyo yoshishino lakho elincinane kwaye ulondoloze imali.
Bona kwakho:
Ngaba ufuna i-Akhawunti yeBhanki yeBhanki?
Iyiphi iAkhawunti yeMthengisi kwaye Ufumana njani enye?
I-Arhente yeRevenue Agency ye-Akhawunti ye-Intanethi yeeRhwebo
Indlela yokuVala i-Akhawunti ye-GST / i-HST ukuba iinguqu zakho zoTshintsho lweShishini