Ini ndinogona kuvhura account muUnited States seMexico? .Vari nyowani mu USA uye iwe unoda nzvimbo kupi chengetedza mari yako kuti utange kusevha. Asi unotangira kupi? Iwe haudi kuchengeta mari yako pasi pemetiresi yako. Iwe haugone kuwana chero kudzoka kwemari yako, uye zvirokwazvo haina kuchengetedzeka.
Ipapo, Wadii kuenda kubhangi? Vhura Akaundi yebhangi inopa chengetedzo yemari yako uye nzira yekutanga kugadzira tsoka yezvemari munyika. Asi hazvisi nyore sezvazvinoratidzika. Kunyange zvingaite senge zvinotora muAmerican kweminiti chete kuvhura account, zvinogona kutora vatorwa kwenguva yakareba .
Uye kune zvimwe zvipingamupinyi zvakawanda zvaunofanira kupfuura kana uchida kutanga kuchengetedza mari yako muUS Izvi ndizvo zvazvinoreva kana iwe uri mugari asiri mugari anoda kuwana banking services muU.SA. . Kekutanga.
- Iyo Patriot Mutemo United States yakaita kuti zviomere vatorwa kuvhura maakaunzi kana kuitisa mashandisirwo emari muUnited States.
- Vatorwa vanoda kuzivikanwa kwakawanda kupfuura vagari vepamutemo vagari uye vagari.
- Chero ani anovhura account angangoda Social Security nhamba kana imwe nhamba yemuteresi yekuzivisa.
- Kunyangwe mabhangi mazhinji achibvumidza vatengi kuvhura maakaundi avo pamhepo, vasiri-vagari vangangoda kushanyira bazi kuti vapedzise kunyorera.
Izvo zvaunoda kuvhura account kubhengi
Kana iwe uri mugari kwete american Kana iwe uchida kuvhura account yebhangi, masangano emari anoda kuti iwe upe imwe kana akawanda eanotevera mafomu ekuzivikanwa:
- Nhamba yekuzivisa muteresi (ITIN)
- A nhamba yepasipoti kana nhamba yekuadhi yekune imwe nyika
- Hurumende yakaburitsa ID yakapihwa nenyika yekunze
Pamusoro pezvo, vese vasiri vagari vemuUS uye vagari vemuUS vanofanirwa kuendesa inotevera ruzivo kuti vavhure account rebhangi:
- Zita
- Zuva rekuzvarwa
- Uchapupu hwekero yako yepanyama, senge yekubhadhara kana yekushandisa bhiri
Mutemo weUnited States unoda masangano ezvemari kuti vazive kuti vatengi vavo ndivanaani uye kuti vatevedze chimwe nechimwe chezviitiko zvavo. Izvi zvinoreva kuti mabhangi nemubatanidzwa wechikwereti vanofanirwa kuongorora kuzivikanwa kwevatengi kana vavhura account nyowani, senge account yekutarisa, account yekuchengetedza, kana chitupa chekuisa (CD).
Pamusoro pezvinhu zvataurwa pamusoro, vagari vemuUS vanofanirwa kuendesa yavo Yemagariro Security nhamba kuti vavhure account rebhangi.
Ini ndiri mugari asina magwaro, ndinogona kuvhura account yekubhangi?
Iwe unogona kuvhura account yekubhangi kana iwe uri asina magwaro ekune dzimwe nyika kune mamwe mabhangi, senge Bank of America. Nekudaro, iwe ungangoda kunyorera mumunhu uye unoda dzakasiyana nzira dzekuzivikanwa, senge chiratidzo chekero, nhamba yemuteresi yekuzivisa (TIN), gwaro rekuzvarwa, pasipoti yakapera, uye nezvimwe.
Bhengi rega rega rine maitiro aro, saka ive shuwa yekutsvaga izvo zvinodiwa usati waenda kubazi rako remunharaunda.
Nei vagari vasiri veUS vachida rumwe ruzivo kuti vavhure account rebhangi?
Havasi vese vasiri vagari vemuUS vane maSocial Security manhamba. Izvi zvinoita kuti kuongorora kwemunhu asiri weUS kuve kwakaoma, uye ndosaka mabhangi nemabatanidzwa echikwereti achida nhamba yepasipoti yenyika yekune imwe nyika kana rimwe gwaro rekuzivisa hurumende kuti rione kuti ndere ani.
Pamhepo bank account zvikumbiro kazhinji hazvipe nzvimbo yekupinza pasipoti nhamba kana imwe nhamba yekuzivisa. Naizvozvo, masangano anowanzo bvunza vekunze kuti vapinde mubazi kuti vaone kuzivikanwa kwavo pachavo. Ichi ndicho chikonzero nei zvingave zvakaoma zvikuru, kana zvisingaiti, kune vasiri-US vagari kuvhura account nemamwe emabhangi epamhepo. Kazhinji, mabhanga epamhepo haana matavi epanyama.
Usati washanyira bhangi kana bazi remubatanidzwa, ita chokwadi chekutarisa webhusaiti webhusaiti kana kufonera ruzivo rwegwaro rekuongorora rinodiwa kune vekunze. Sangano rega rega rine seti yaro marongero nemaitiro ekusangana nezvinodiwa zvataurwa pamusoro.
Maitiro ekuvhura account kubhengi pasina Social Security nhamba
Vagari vatorwa vane Social Security nhamba vanogona kupedzisa online online account account maitiro senge chero mumwe mugari weUS, nekuti ivo vanoonekwa seUS vagari nekuda kwemitero.
Semuenzaniso, kuBhange reAmerica, vagari vekunze vanogona kuvhura account kubazi re BofA Kupa kadhi yekugara zvachose, INS kadhi rekushandira, vhiza isiri-yekune imwe nyika, kadhi rekuyambuka muganho kana pasipoti yekune imwe nyika, pamwe neimwe fomu yekuzivikanwa.
Sekureva kwaDon Vecchiarello, Jr., mutevedzeri wemutungamiri weBofA uye manejimendi manejimendi wezvigadzirwa zvevatengi nemabhizinesi madiki, sarudzo dzekuzivikanwa kwechipiri dzinosanganisira kiredhiti kadhi kana kadhi rekutengesa, ID yemudzidzi, kadhi rebasa, kana rezinesi rebhizinesi.
Nekudaro, vasiri-vagari havazokwanise kuzviita. Kazhinji meseji yekukanganisa inogona kuudza munhu kuti ashanyire bazi remuno kana kukumbira rubatsiro. Neichi chikonzero, zvingave zvirinani kune vasiri-vagari vekunze kuti vagare mumabhangi ane nzvimbo dzinoonekwa. Mabhangi makuru haashoma kuve nezvipingamupinyi zvisiri zvevagari pane madiki emabhanga emuno, akadaro Ken Tumin, muvambi uye mupepeti weDepositAccounts.com.
Kana iwe uri mugari asiri mugari, iwe ungangodaro unofanirwa kushanyira bazi rebhangi kuti uwane cheki yekutarisa kana yekuchengetedza nerubatsiro rwemunyori webhangi. Mamwe mabhangi anogona kukumbira magwaro ekupinda munzvimbo yekumwe kuzivikanwa, asi zvinogona kuramba zvichinyengera.
Dambudziko nderekuti mabharani emabhangi anogona kunge asingazive chinzvimbo chako uye magwaro api anodiwa ekuvhurira account, akatsanangura Libby Dawson, chipangamazano wehupfumi kuWorldview Wealth Advisors. Iwe ungangodikanwa kuti upe ese mafomu ezvinyorwa izvo bhangi inoda kuvhura account kune vese vasiri-US vagari, kunyangwe iwe uri mutorwa mugari.
Vachatevera izvo zvavanoona maererano nehurongwa hwavo, asi pakupera kwezuva, hazviwanzo kusvikira mapepa agadziriswa izvo zvinozivikanwa zvechokwadi kana zvese zvaitwa nenzira yaifanirwa kuitwa, Dawson akadaro.
Vagari vatorwa vane sarudzo online.
MagnifyMoney yakaongorora zvikumbiro zveakaundi yebhangi kumabhangi masere epamusoro muUS Takaona kuti kana iwe uri mugari wekune imwe nyika ane nhamba yekuchengetedzwa kwevanhu, unogona kuvhura account online nebhanga guru reUS.
Nekudaro, mabhanga madiki emuno haangatenderi vagari vasiri vemuUS, vagari vekunze, kana vatorwa vasingagare, kunyorera online. Semuenzaniso, kuWorld Bank, bhanga renharaunda muIowa City, Iowa, takaona kuti kunyorera kwavo pamhepo kunozivisa anenge achinyorera kuti kana vasiri vagari vemuUS kana vanhu veUS, havagone kuenderera mberi vachishandisa nzira iyoyo.
Kana iwe uri mutorwa uye unotarisira kuvhura account kubhengi pamhepo, sarudzo yako yakanaka ichave iri hombe bhanga reAmerica rinoshanda munyika yese. Mune chaiwo maitiro epamhepo, iwe unozofanirwa kuisa ruzivo rwako, kusanganisira zita, kero, nhamba yefoni, uye yako yekuchengetedzeka nhamba.
Zvinokosha
Kunyangwe iwe uchibvumidzwa kuvhura account, iyo mitemo yakasiyana kune vasiri-vagari. Iyo Civil Rights Act ya1964 Yakapa pachena makambani akazvimiririra muUS kodzero yekuita chibvumirano nevanhu vekunze kana mapoka, zvichiita kuti zvive nyore kune vagari vemuUS.
Asi iyo Patriot Mutemo we IUS, yakapfuura mushure mekurwiswa nemagandanga munaGunyana 11, 2001, zvakaita kuti zviome kune vekunze kuvhura maakaunzi kana kuita mashandisirwo emari muUS, kana kutoita bhizinesi nemasangano emari eUS kunze kwenyika.
Nemutemo, mabhangi nemubatanidzwa wechikwereti vanofanirwa kutevedzera mironga yakaoma pavanenge vachiongorora kuzivikanwa kweiye asiri weUS account account. Nekudaro, kana iwe uri mugari anogara zviri pamutemo zviri pamutemo, zvinotora nguva yakaenzana kuti uvhure account yako semugari.
Iwe uchazoda chitupa
Kunze kwenyika kana kwete, vanyoreri kubhengi account vanofanirwa kuona zita ravo, zuva rekuzvarwa uye kero yepanyama, semuenzaniso, kubva kubhizimusi rekushandisa. Asi kana iwe uri mutorwa, ungangoda kupa zvimwe. Vatengi ava vanofanirwa zvakare kuratidza ID ID iyo inosanganisira nhamba yekuzivikanwa.
Iwe unogona kushandisa pasipoti inoshanda, kumwe kuzivikanwa kunopihwa nehurumende yenyika yako yekumba, kana iyo nhamba yekumwe mutorwa kubva kukadhi girini, vhiza rebasa, kana ID yemudzidzi. Nekudaro, iwe unozofanirwa kuunza mavambo nekuti mafotokopi haagamuchirwe.
Nhamba dzekuchengetedzwa kwevanhu
Kazhinji, Social Security nhamba (SSN) haidiwe kuvhura account yekuchengetedza munyika ino. Nekudaro, kusave neyako kunogona kuwedzera kuongororwa kwebhangi kwemamwe magwaro. Izvo hazvireve kuti zvinokumisa iwe kubva kuwana account, asi zvinokubatsira. Kana iwe usingakwanise kuwana imwe, une dzimwe sarudzo.
Vamwe vanogara uye vasiri vagari vatorwa vasingakwanise kuwana Social Security nhamba vanogona kufaira iyo fomu W-7 pamberi peiyo IRS kuti iwane imwe nhamba yemuteresi yekuzivisa ( ITIN ), iyo inogona zvakare kugamuchirwa nebhangi.
Unogona kushandisa Social Security nhamba kana imwe nhamba yemuteresi yekuzarura account yako.
Zvinodiwa
Mitemo inobata maakaundi emabhangi evatorwa ndeye federal, asi mashandisiro avo ndeemuno. Mabhangi nemabatanidzwa echikwereti vane zvinyorwa zvakasiyana uye maitiro anodikanwa kune vasiri maAmerican ekuvhura maakaunzi. Ndokumbira utarise zvisati zvaitika zvinotarisirwa usati watanga maitiro, kunyanya sezvo uchinyatso kuoneka uri munhu panzvimbo chaiyo.
Pamabhangi epamhepo
Vazhinji vasiri vagari vatorwa vanofanirwa kupinda mubhangi bazi kuti vavhure account. Izvi zvinoreva kuti kunyangwe iwe ukatanga kuvhura account yako online, iwe uchafanirwa kuratidzira uri munhu kuti upedze kunyorera.
Kuwedzera kwekuchengeteka mushure megore ra2001 kwakatungamira mukubviswa kwakazara kwekushandisa pamhepo maakaundi ekunze, nekuda kwekutya-zvine chekuita nemari yekutyisa mari. Izvo zvinotoda kukutadzisa kunyorera kune imwe yemazhinji emabhengi-epamabhangi chete nekuti zvichanetsa kwazvo kwavari kunyatsoongorora zvinyorwa zvako.
Minimum deposits
Izvi zvinosiyanawo nemasangano, asi kazhinji zvine mwero. Mamwe anotangira pamadhora mashanu kusvika pamadhora makumi mashanu, nepo mamwe aine chinodikanwa chepamusoro.
Izvo zvese zvinoenderana nekwekuti iwe unobhengi uye ndeapi mabhenefiti avanopa, ayo anogona kuve, pakati pevamwe, kudzoka kwakakwira kana pasina mubhadharo webasa. Kana iwe uri kuvhura iyo account nemari hombe yemari, zvakare, iyo dudziro yemahombe inogona kusiyana zvichienderana nebhangi, kana nemari kubva kubhangi kuchinjisa, ungangoda kuratidza humbowo hwemari .
Chinokosha
Kuvhura akaundi kubhengi semugari wekunze kunosanganisira kuwedzera kushanda, uye pamwe kunetsekana, kupfuura kuva mugari weUS, kunyanya kune avo vasina chinzvimbo chekugara kunze kwenyika. Kana iwe uchiri kugara munyika yekwako, funga kutsvaga bhanga repasi rese rinowanikwa muUS.
Iva nemapazi kwaunogara uye vhura account navo usati waenda. Kufambisa kwakadai mubazi rekunze kunopa vanyoreri vekunze mukana wekutanga hukama hwebhizimusi nesangano rinofanirwa kurerutsa kunyorera kweakaundi yeUS mune rimwe remapazi avo munyika ino.
Zviri Mukati
- Izvo zvaunoda kuvhura account kubhengi
- Ini ndiri mugari asina magwaro, ndinogona kuvhura account yekubhangi?
- Nei vagari vasiri veUS vachida rumwe ruzivo kuti vavhure account rebhangi?
- Maitiro ekuvhura account kubhengi pasina Social Security nhamba
- Vagari vatorwa vane sarudzo online.
- Zvinokosha
- Iwe uchazoda chitupa
- Nhamba dzekuchengetedzwa kwevanhu
- Zvinodiwa
- Pamabhangi epamhepo
- Minimum deposits
- Chinokosha