Sikakorabea a entumi nyɛ adwuma yiye, akontaabu a wɔahyɛ no nwini, ne sika a wɔde asie a wɔsan gye¶

Sɛ wohwere kwan a wobɛfa so akɔ wo sikakorabea anaa sikakorabea titiriw no so denam nsɛm abiɛsa a ɛsono emu biara so na ɛba: sikakorabea a wɔagye atom anaa boseabɔ kuw bi betumi adi nkogu na akɔ aban agyede mu, sikakorabea bi mu nsisi anaa sika a wɔde di dwuma ɔkwammɔne so (AML) nhyehyɛe no betumi ama w’ankasa wo ho nsɛm ayɛ nwini, anaasɛ tow a asɛnnibea ahyɛ sɛ wotua wo ka no betumi atoto wo sika a aka no mu. Sɛ woyɛ ho biribi ntɛm ara de dannan sika a wode bɛto hɔ tẽẽ no kwan, wobɛpaapae sika a wotua a ɛnyɛ adwuma no mu, wobɛhwɛ sɛ mmara kwan so de sika a wode asie insurance anohyeto ahorow a ɛwɔ hɔ no yɛ nokware, na woama mmara kwan so anwiinwii a ɛkɔ soro no bɔ wo sika a wobɛkɔ no ho ban na ɛhyɛ ma woyi wo sika no adi wɔ bere a ɛsɛ mu.

Yɛ eyi mprempren¶

1. Hye sɛ ebia asoɛe no nyinaa ato mu anaasɛ w’ankasa wo akontaabu nkutoo na wɔahyɛ no nwini. Hwɛ wo ɔman sika a wode asie insurance adwumakuw no ɔmanfo agye din (te sɛ FDIC wɔ United States, FSCS wɔ United Kingdom, anaa CDIC wɔ Canada) sɛ wɔato sikakorabea no wɛbsaet anaa baa dwumadibea no mu a, anaa frɛ sikakorabea no dwumadibea a ɛhwɛ nneɛma a wɔhwere ano no sɛ w’ankorankoro login ne debit card nkutoo na wɔpow a.
2. Bue anaa fa backup checking account yɛ adwuma wɔ chartered bank anaa credit union a ɛyɛ soronko koraa mu. Mmue wo backup account wɔ subsidiary anaa brand a ɛyɛ awofoɔ bank koro no ara a ɛde wo sika too nwini mu no dea da. Nya routing nɔma foforo ne akontaabu nɔma ntɛm ara.
3. Dan wo akatua a ɛba no tẽẽ deposit, pension, anaa aban mfasoɔ ansa na ACH batch cutoff a ɛdi hɔ no aba. Kɔ w’adwumawura no nnipa adwumayɛfoɔ portal so anaa di akatua ho nsɛm tẽẽ na sesa wo sika a wode asie no kwan ho nsɛm kɔ wo sikakorabea foforɔ no mu, anaa bisa honam fam krataa akatua sɛdeɛ ɛbɛyɛ a wɔrenmene akatua foforɔ nkɔ akontaabuo a wɔahyɛ no nwini mu.
4. Popa akontaabu a wɔahyɛ no nwini no fi sika a wotua no ankasa (autopay) a wɔsan tua no nyinaa mu. Sɛ obi a ɔhwɛ dan ka, ofie wura, adwumakuw a wɔde nneɛma di dwuma, anaa obi a ɔde credit card ma bɔ mmɔden sɛ obegye Automated Clearing House (ACH) debit afi akontaabu a wɔahyɛ no nwini so a, sikakorabea no de return code pow R16 (Account Frozen), a ɛkanyan 25 kosi 40 USD sanba-nneɛma asotwe na ɛtow wo intanɛt so sikatua profile.
5. Twe wo asram 12 a atwam no mu nsɛm, sika a wode asie, ne tow nkrataa no PDF mfonini ntɛm ara. Sɛ sikakorabea bi si gyinae sɛ ebegyae w'abusuabɔ ("de-banking") a, ɛtaa twa wo intanɛt so sikakorabea login ho adansedi nkrataa mu ansa na wode sikakorafo check a etwa to amena, na ɛma w'ani afura wɔ wo penny a aka ne sika a wode bɛto gua no ho.
6. Fa mmara kwan so anwiinwii krataa kɔma sɛ wɔansiesie ankorankoro mmara sodi freeze bi wɔ adwuma nnafua 5 mu a. Frontline telefon adwumayɛfo ntumi mmu back-office AML anaa Fraud Operations lock so; de mmara ho anwiinwii krataa a wɔakyerɛw kɔma Adetɔfo Sikasɛm Ho Banbɔ Dwumadibea (CFPB) ne Sikasɛm Sohwɛfo Dwumadibea (OCC) a ɛwɔ United States, Sikasɛm Ho Nsɛm Ho Dwumadibea (FOS) a ɛwɔ United Kingdom, anaa OBSI a ɛwɔ Canada.

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Sikakorabea akontaabu a wɔatoto mu ne sikakorabea huammɔdi a wɔsan nya ho nhyehyɛe¶

Fa saa gyinaesi dua yi kyerɛ mmara kwan a ɛhwɛ wo sika a wɔatoto mu no so ne nneyɛe a ɛsɛ sɛ woyɛ wɔ nnɔnhwerew 24 a edi kan no mu.

flowchart TD
    A["Wontumi Nnya Bank Balance anaa Debit Card Pow"] --> B{"Dɛn Nti na Wontumi Nkɔ Akontaabu no So?"}
    B -->|1. Entire Chartered Bank Closed by Regulators| C{"So Kari a Ɛkari pɛ no Wɔ Insurance Anohyeto a Mmara Mmara Mu no Mu?"}
    C -->|Yes: Under 250k USD / 85k GBP / 100k EUR / 100k CAD| D["Twɛn Memeneda Anɔpa Bridge Bank anaasɛ Acquiring Bank Access"]
    C -->|No: Balance Exceeds Statutory Ownership Limit| E["Access Insured Portion Memeneda + Nya Receiver Certificate a ɛfa nea ɛboro so ho"]
    B -->|2. Non-Bank Fintech App or Middleware Froze Funds| F["Hwɛ Sɛ Underlying Partner Bank Adi nkogu Anaasɛ Middleware Wɔ Bankruptcy mu anaa"]
    F --> G["Fa Anwiinwii Kɔ CFPB / Federal Reserve + Demand Partner Sikakorabea Nhomakorabea Mpata"]
    B -->|3. Individual Bank Account Frozen for Fraud / AML / Check Hold| H["Divert Incoming Payroll na Twa Outgoing Autopay Bills Ntɛm ara"]
    H --> I["Fa Mfonini ID 2 + Sika Fibea Adanse bra Baa Dwumadibea sohwɛfo nkyɛn ma Mfrɛ Back-Office Fraud Ops"]
    I --> J{"Woayi no adi Wɔ Adwumayɛ Nna 5 Mu?"}
    J -->|Yes| K["Fa Adwumayɛ Buffer kɔ Secondary Bank ma Redundancy"]
    J -->|No: De-Banked or Indefinite Hold| L["Fae Formal CFPB / OCC / FOS Mmarahyɛ Anwiinwii a Ɛhwehwɛ sɛ Sikakorabea Hwɛ"]
    B -->|4. Court Judgment Levy or Tax Garnishment| M["Fa Mmara kwan so Exemption Claim kɔma wɔ Nnafua 10 kosi 15 mu ma Akatua anaa Mfaso a Wɔabɔ ho Ban"]

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Sikakorabea ahorow anan a wɔatoto mu no a wɔbɛhwehwɛ mu¶

Sɛnea wubenya wo sika ntɛmntɛm no gyina mmara kwan so nniso a ɛde lockout no bae no so koraa.

1. Chartered bank anaa credit union a entumi nyɛ adwuma (Regulatory Receivership) .¶

Sɛ aguadi sikakorabea a wɔayɛ ho insurance, sikakorabea fekuw, adansi fekuw, anaa boseabɔ kuw bi ntumi ntua sika a, aban mmarahyɛfo gye adwumakuw no, ɛkame ayɛ sɛ bere nyinaa Fida awia 17:00, na wɔpaw insurance adwumakuw a wɔde sika sie a mmara ma ho kwan no sɛ Nea ogye.

• Nea enti a sikakorabea a ɛdi huammɔ ankasa ne ɔhaw a ɛyɛ ntɛm sen biara a ɛsɛ sɛ wosiesie: Wɔ wɔn a wɔde sika sie a wɔayɛ wɔn insurance fam no, sikakorabea a ɛdi nkoguo wɔ mmara kwan so no taa de ɔhaw a ɛnnu nnɔnhwerew 48 ba. Wɔ dapɛn awiei no, insurer no yɛ Purchase and Assumption (P&A) asɛm (baabi a sikakorabea a ɛwɔ apɔwmuden tɔ sikakorabea a adi nkogu no sika a wɔde asie ne nkorabata) anaasɛ ɛfa bere tiaa mu aban Deposit Insurance National Bank (Bridge Bank).
• Memeneda anɔpa a ɛkɔ so: Edu Memeneda anɔpa no, wo debit card a ɛwɔ hɔ dedaw, ATM PIN, krataa so checks, direct deposits, ne online bill-pay links taa yɛ adwuma ankasa wɔ acquiring anaa bridge bank no ase. Sɛ wɔanhu adetɔfo biara ntɛm ara a, insurance adwumakuw no de aban check mena anaasɛ ɛde kɔmputa so sika a wode bɛkɔ insurance no mu ɔha biara mu nkyem 100 mena wɔ adwuma nna 1 kosi 7 ntam.

2. Ankorankoro a wodi so, Mmara CC check hold, anaa AML / SAR freeze¶

Sɛ sikakorabea a ɛwɔ apɔwmuden to wo akontaabu pɔtee no mu bere a adetɔfo afoforo nyinaa taa sikakorabea a, ne mu asiane engine no ahyɛ asɛm bi ho frankaa wɔ mmara nhyehyɛe abien no biako ase:

• Extended Check Hold (United States Regulation CC, 12 CFR Part 229): Sɛ wode check kɛseɛ (bɛboro 5,525 USD, ɛrenkyɛ ɛbɛyɛ nsakraeɛ ama inflation, anaasɛ akɔ account foforɔ a wɔabue nnu nnafua 30 mu, anaasɛ check a sikakorabea no wɔ "nteaseɛ a ɛma wogye akyinnyeɛ wɔ collectibility"), Regulation CC ma sikakorabea no kwan sɛ wɔmfa Exception Hold mpɛn pii no kɔsi Adwuma nnafua 5 kɔsi 7 (ɛkɔsi adwuma nnafua 9 wɔ akontaabuo foforɔ mu). Nanso, mmara hwehwɛ sɛ sikakorabea no de Notice of Hold a wɔakyerɛw a ɛkyerɛ kalenda da pɔtee ne dɔnhwerew a wɔde sika no bɛma wo ma wo.
• Anti-Money Laundering (AML) / Bank Secrecy Act (BSA) Suspicious Activity Review: Wire transfer a ɛnyɛ ne kwan so, peer-to-peer payment spikes (Zelle, Venmo, CashApp), sika a wɔde sie a wɔahyehyɛ no wɔ 10,000 USD ase pɛɛ, cryptocurrency exchange transfers, anaasɛ logging in fi ɔman a wɔapene so anaa aguadi VPN a automated Dɔyɛ ho Amanneɛbɔ a Ɛyɛ Asɛm (SAR) nhwehwɛmu. Wɔ aban mmara ase (31 U.S.C. Ɔfa 5318(g)(2) wɔ United States ne Proceeds of Crime Act 2002 Ɔfa 333A "Tipping Off" wɔ United Kingdom), wɔabara sikakorabea adwumayɛfoɔ wɔ nsɛmmɔnedi mu sɛ wɔnnka nkyerɛ wo sɛ wɔahyɛ SAR anaa AML nhwehwɛmu. Ɛno nti na baa dwumadibea adwumayɛfo ne telefon so adwumayɛfo yɛ komm mpofirim, wɔpow sɛ wɔbɛkyerɛkyerɛ nea enti a wɔato wo akontaabu no mu, na wɔkenkan fi script bi a ɛka sɛ wo akontaabu no "wɔ adwumayɛfo nhwehwɛmu ase" nkutoo mu.

3. Fintech a ɛnyɛ sikakorabea ("Neobank") ne Sikakorabea-sɛ-Adwuma (BaaS) no yɛ nwini¶

Adetɔfoɔ ɔpepem pii de mobile banking apps, high-yield cash apps, anaa payroll debit apps a ɛnyɛ chartered banks di dwuma. Saa mfiridwuma nnwumakuw yi ne sikakorabea ketewa bi a wɔagye atom wɔ akyi denam "Banking-as-a-Service" (BaaS) mfinimfini so yɛ adwuma na wɔboaboa adetɔfo sika mpempem pii ano wɔ For Benefit Of (FBO) omnibus akontaabu biako a wɔafrafra mu.

4. Tow a wotua wɔ obi a ɔde bosea ma no atemmu ho, mmofra mmoa a wɔde ma no freeze, anaa tow a wɔde gye tow¶

Sɛ ankorankoro bi a ɔde wo ka no dii nkonim wɔ civil court default atɛn a wɔde tia wo, anaasɛ wode tow a wontuae anaa mmofra mmoa a, sheriff anaa adwumakuw no betumi de Writ of Execution / Bank Levy akɔma wo sikakorabea tẽẽ. Wɔhyɛ sikakorabea no wɔ mmara kwan so sɛ wɔmfa sika a aka no nsiw wo sika no mu kosi atemmu sika no so (mpɛn pii no ɛboro atemmu no mmɔho abien wɔ aman bi mu) wɔ mmara kwan so de sie (mpɛn pii no nnafua 10 kosi 30) ansa na wɔde sika no ama nea ɔde wo ka no, na ama woanya mmara kwan so kwan tiawa a wode bɛka sɛ mmara kwan so gyae sika no.

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Amanaman ntam sikakorabea insurance anohyeto ne bere nhyehyɛe a wɔde tua¶

Aban sika a wode asie ho insurance ma wo sika titiriw a wode asie ne mfɛntom a woaboaboa ano no ɔha biara mu nkyem 100 ho bɔhyɛ kodu mmara kwan so de kosi da a wɔbɛto sikakorabea no mu.

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Sɛnea wɔhyehyɛ akontaabu ma FDIC / NCUA insurance dɔɔso wɔ mmara kwan so wɔ sikakorabea biako mu¶

Wɔ United States no, 250,000 USD FDIC ne NCUA anohyetoɔ no yɛ ɛnyɛ flat cap ma onipa biara, ɛyɛ cap per ownership category ("Right and Capacity"). Wɔ mprempren FDIC mmara ase (a nea ɛka ho ne ahotoso ho mmara a wɔayɛ no mmerɛw a efii ase yɛɛ adwuma April 1, 2024, a ɛka ahotoso a wotumi twa ne nea wontumi nsakra no bom yɛɛ no ​​kuw biako), awarefo betumi ayɛ insurance wɔ mmara kwan so a ɛkɔ soro kodu 3,500,000 USD wɔ sikakorabea biako a wɔremfa dɔla biako nkɔ adwumayɛbea foforo:

Sɛ wowɔ Uninsured Deposits a ɛboro anohyeto no so bere a sikakorabea bi di nkogu a, dɛn na ɛba?¶

Sɛ wo sikakorabea no di nkogu Fida na sika a aka no boro insurance a mmara ma ho kwan no so a: 1. Ntɛm ara a wobɛtumi akɔ ɔfa a wɔagye insurance no so: Memeneda anɔpa no, wobɛnya kwan akɔ 250,000 USD a ɛdi kan (anaasɛ mmara anohyetoɔ a ɛwɔ hɔ) no nyinaa. 2. Receivership Certificate ne Advance Dividend ma nea ɛboro so: Wɔ sika a aka a wonni insurance a ɛboro 250,000 USD ho no, FDIC de Receiver’s Certificate ma wo. Ɛnyɛ nea ɛho hia sɛ wobɛhwere sika a ɛboro so no. Bere a FDIC retu sikakorabea a adi nkogu no boseabɔ sikakorabea, bonds, ne adan mu no, etua pro-rata dividends ma wɔn a wonni insurance. Abakɔsɛm mu no, sɛ wɔkyekyem pɛpɛɛpɛ a, wɔn a wɔde wɔn sika sie a wonni insurance wɔ U.S. sikakorabea ahorow a entumi nyɛ adwuma yiye mu no nya sika 70 kosi 85 cents wɔ dɔla no so (na wɔtaa nya "Advance Dividend" ntɛm ara a ɛyɛ ɔha biara mu nkyem 50 anaa nea ɛboro saa wɔ dapɛn a edi kan no mu), ɛwom sɛ sika a etwa to a wotua wɔ sikakorabea no betumi agye mfe 1 kosi 3 de. 3. Statutory Right of Setoff against loans at the same failed bank: Sɛ wokura sika a wode asie a wonni insurance a ɛboro 250,000 USD wɔ sikakorabea a adi nkogu na wo nso wode sika ka wɔ aguadi bosea, line of credit, anaa delinquent mortgage a ɛwɔ saa sikakorabea koro no ara balance sheet so wɔ mmara kwan so wurayɛ tumi koro no ara mu a, wubetumi abisa Depositor Setoff sɛ wɔmfa wo sika a wonni insurance no nni dwuma fa dɔla biara to hɔ de tua wo bosea no titiriw a ɛyɛ sɛnt 100 wɔ dɔla no so.

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Anamɔn biara nkwa ho nhyehyɛe ma ankorankoro sikakorabea akontaabu freeze¶

Sɛ wo sikakorabea no to wo sikakorabea no mu esiane nsisi frankaa a wɔde di dwuma wɔ ɔkwan a ɛyɛ adwuma so, check a akyinnyegye wɔ ho, anaasɛ nea wɔasan ahwɛ sɛnea wodi mmara so nti a, di nhyehyɛe a wɔahyehyɛ yi a ɛkɔ soro nnidiso nnidiso yi akyi na woanya nkwa wɔ sika a ɛho hia no mu na hyɛ sikakorabea no ma wonyi wo sika a aka no adi.

Anamɔn 1: Gyae sika a ɛba no na fa ACH twetwe a ɛrekɔ no mu ntɛm ara¶

1. Divert w'akatua: Di HR anaa payroll ho nkɔmmɔ ntɛm ara. Hyɛ no nsow sɛ nnwumakuw akatua ho nhyehyɛefo (te sɛ ADP, Workday, anaa Gusto) de fael ahorow a wɔde sie tẽẽ mena ** nnɔnhwerew 48 kosi 72 ansa na akatua da** aba. Sɛ wo akontaabu no yɛ freeze Dwoda na akatua da yɛ Fida a, ebia routing nɔma foforo a wobɛkyerɛw kɛkɛ wɔ self-service portal no so no bɛka akyi dodo ama Fida check. Frɛ wo akatua sohwɛfoɔ no tẽẽ na bisa wɔn sɛ wɔnyɛ ACH reversal/recall anaasɛ wɔnpopa direct deposit no na wɔntwa honam fam krataa check.
2. Twa "Twe" autopays mu wɔ biller no website, ɛnyɛ frozen bank no mu: Mortgage, dan ka, anyinam ahoɔden, ne credit card autopays dodow no ara yɛ "ACH Debit Pulls" a biller no sikakorabea na efi ase, ɛnyɛ wo sikakorabea. Sɛ mpo wo intanɛt so sikakorabea login no ayɛ adwuma a, nea ɔde sika tua no bɛda so ara abɔ mmɔden sɛ ɔbɛtwe sika denam wo routing ne account number so, na ɛde... R16 (Account Frozen) anaasɛ R02 (Account Closed) bounce ho ka a wɔbɔ. Kɔ utility, lender, ne landlord portal biara mu tẽẽ na yi frozen bank no routing number no fi hɔ.
3. Tap emergency liquidity without triggering another fraud lock: Sɛ worebue wo backup bank account foforo no a, fa ACH transfer a ɛho tew a efi abɔnten sikakorabea, mobile check deposit of payroll check, anaa sika wɔ branch teller window so tua ho ka. Mmɔ mmɔden ntɛm ara sɛ wobɛtwe sika afi wo sikakorabea akontaabu a wɔahyɛ no nwini dedaw no mu afi wo sikakorabea akontaabu foforo koraa no mu, sɛ wo nsa aka R16 Account Frozen return on Day 1 bɛma wo bank foforo no automated security system no ayɛ freeze wo account foforo no nso.

Anamɔn 2: Hwɛ sɛ ɛyɛ Mmara E mfomso, Mmara CC check hold, anaa AML lock¶

Nantew kɔ wo sikakorabea no baa dwumadibea ankasa mu (sɛ ɛwɔ baa dwumadibea ahorow a) a wokura mfonini ID abien a aban de ama (te sɛ karka tumi krataa ne akwantu tumi krataa), sika a wɔatintim a ɛkyerɛ sɛnea wo tenabea address, ne krataa so nkrataa a ɛfa nnwuma akɛse biara a woayɛ nnansa yi ho. Bisa sɛ wo ne Baa Dwumadibea sohwɛfo anaa Baa Dwumadibea sohwɛfo Boafo ntra, ɛnyɛ sikatuafo:

• Ma Baa Dwumadibea sohwɛfo no mfrɛ emu Back-Office Fraud Operations / Deposit Risk Review line no wɔ akasam fon so anaasɛ ɛnam adwumayɛfo a wɔwɔ mu no mu adansedi terminal so.
• Sɛ check deposit na ɛde freeze no bae a: Fa check kyerɛwfo no nkitahodi ho nsɛm, invoice, anaa apam ma, na bisa manager no Regulation CC Release Date pɔtee no.
• Sɛ freeze no fi wire transfer, real estate sale, anaa kar tɔn a: Fa Closing Disclosure (HUD-1 / ALTA statement), notarized Bill of Sale, anaa statement a ɛfiri wo sending account mu ma ɔpanin no sɛdeɛ ɛbɛyɛ a wɔbɛtumi scan na wɔde akɔto back-office compliance ticket no mu tẽẽ.
• Sɛ freeze no fi debit a wɔamma ho kwan anaasɛ identity theft: Fa Federal Regulation E (Electronic Fund Transfers Act, 12 CFR 1005.11) di dwuma wɔ United States. Sɛ wobɔ amanneɛ sɛ wode kɔmputa so sika a wɔmma ho kwan wɔ nnafua 60 akyi wɔ krataa no akyi a, ɛsɛ sɛ sikakorabea no hwehwɛ mu wɔ adwuma nnafua 10 (adwuma nnafua 20 ma akontaabu foforo) anaasɛ wode bere tiaa mu sika hyɛ wo akontaabu mu ansa na Da a ɛto so 10 adu bere a egye nnafua 45 ansa na wɔawie nhwehwɛmu no.

Anamɔn 3: Fa mmara mu anwiinwii a ɛho hia kɛse kɔdan wo na ama woabu mmara sodi a wɔde di dwuma bere a enni ano no so¶

Ɛtɔ da bi a sikakorabea bi si gyinae sɛ wɔbɛto wo akontaabu mu daa ("de-banking" anaa "exit decision") na ɛkora wo sika a aka no so adapɛn pii bere a wɔka sɛ "ɛretwɛn sɛ sika no bɛtew." Sɛ wode anwiinwii krataa kɔ sikakorabea mmarahyɛfo nkyɛn a, ɛhyɛ sikakorabea no Executive Office / Regulatory Escalation Team ma wɔhwɛ wo fael no mu wɔ mmara kwan so bere a ɛyɛ katee mu:

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Sika a wɔayi afi mu a wɔbɛbɔ ho ban afi sikakorabea a wɔde bosea ma no tow anaasɛ sika a wɔde gye sika ho¶

Sɛ ɛnyɛ nsisi ho nhyehyɛe na wɔde sii wo sikakorabea akontaabu so, na mmom esiane sɛ obi a ogye bosea, ofie wura, anaa nea ɔde wo ka no som asɛnnibea akyi tow (attachment/garnishment) a, aban ne ɔman mmara bara ankorankoro a wɔde wo ka no denneennen sɛ wonnye sika a wonya fi wɔn nkwa mu:

1. Ahobanbɔ a ɛyɛ adwuma ankasa ma Ɔmanpanyin Mfaso wɔ United States (31 CFR Ɔfã 212) .¶

Wɔ United States Sikakorabea Dwumadibea no mmara a wɔaka abom (31 CFR Ɔfã 212) ase no, sɛ wunya Asetra mu Ahobammɔ, Ahobammɔ a Wɔde Ka Ho (SSI), Veterans Affairs (VA) mfaso, Federal Railroad Retirement, anaa Federal Civil Service Retirement denam sika a wode bɛto hɔ tẽẽ so a, mmara hwehwɛ sɛ wo sikakorabea no yɛ asram 2 hwɛ akyi nhwehwɛmu bere a ankorankoro bi a ɔde wo ka no de ahyɛde a ɛkyerɛ sɛ woagye sika no bɛma:

• Asram 2 mfasoɔ no yɛ nea wontumi nka ho ara kwa: Sikakorabea no ntumi nto freeze sika a ɛne federal mfasoɔ tẽẽ deposit a ɛkɔɔ wo akontaabuo mu wɔ **kalenda nnafua 60 a atwam no mu nyinaa dodoɔ yɛ pɛ. Ɛsɛ sɛ saa sika a wɔabɔ ho ban asram 2 no kɔ so yɛ nea wubetumi anya ɔha biara mu nkyem 100 wɔ wo debit card ne ATM so, na sikakorabea no ntumi nnye sika mpo mfi saa sika a wɔabɔ ho ban no mu nnye sika a wɔde bedi dwuma wɔ nneɛma a wɔde asie no mu. (Hyɛ no nsow: Nneɛma a wɔayi afi mu no fa aban towtua, mmofra mmoa a wontua hwee, anaa aban sukuuni bosea/wɔn a wotua boro so a wɔde tua ho ka nkutoo ho.)

2. Ɔman ne ɔmantam a wɔayi wɔn afi mu wɔ akatua ne sika titiriw a wɔde bɛtra ase ho a wɔbɛhwehwɛ¶

Sɛ sika a ɛwɔ wo akontaabu a wɔahyɛ no nwini mu no fi adwuma mu akatua a ɛyɛ mmerɛw, adwuma a wonnya nyɛ ho insurance, adwumayɛfo akatua, mmofra mmoa a wonyae, anaa dɛmdi ho sika a: - Hwɛ Notice of Levy / Writ of Garnishment a asɛnnibea, sheriff, anaa wo sikakorabea de mena no yie. Wɔde kratasin bi a wɔato din "Claim of Exemption" abata ho. - U.S. mantam biara, Canada mantam, ne UK asennibea biara bɔ akatua a wonya no ɔha biara mu nkyem a mmara ma ho ban (mpɛn pii no 75% kosi 90% wɔ sika a wotumi de di dwuma) ne sika a ɛwɔ wildcard (mpɛn pii no 500 kosi 5,000 USD a egyina ɔman no mmara so, te sɛ California SB 616 / CCP 704.220 automatic minimum basic life protection) ho ban fi ankorankoro sikakorabea a wɔde bosea ma tow a wɔbɔ. - Fa Claim of Exemption no kɔma levying officer (Sheriff/Marshal) ne Court Clerk wɔ nnafua 10 kɔsi 15 a ɛyɛ katee no mu, fa wo asram 2 a etwa toɔ sikakorabea nkrataa ne akatua ho nkrataa a ɛkyerɛ sɛ sika no firii akatua a wɔayi afiri mu anaa dɛmdifoɔ mfasoɔ mu bata ho.

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ChexSystems ne Early Warning Services (EWS) a wɔbɛpopa wɔ sikakorabea a wɔato mu akyi¶

Sɛ wo sikakorabea no to wo checking akontaabu mu bere a akasakasa bi rekɔ so, titiriw sɛ check a wɔabɔ anaasɛ sika a wɔde asie a wɔasan de asie no maa wo sika a aka no yɛɛ bɔne bere tiaa bi ansa na wɔato mu a, sikakorabea no betumi abɔ wo ho amanneɛ akyerɛ adwumakuw titiriw a wɔbɔ adetɔfo ho amanneɛ a sikakorabea ahorow de di dwuma de hwehwɛ wɔn a wɔrehwehwɛ adwuma foforo mu: ChexSystems ne Early Warning Services (EWS) wɔ United States, anaa CIFAS (Ɔman Nsisi Database) wɔ United States Ahenni.

1. Bɛsa wo adetɔfoɔ titire a wɔda no adi kwa: Wɔ Fair Credit Reporting Act (FCRA) a ɛwɔ United States ase no, wowɔ hokwan sɛ wonya wo ChexSystems Consumer Disclosure Report (chexsystems.com) ne wo Kɔkɔbɔ Nnwuma Amanneɛbɔ (earlywarning.com). Wɔ United Kingdom no, fa Data Subject Access Request (DSAR) a wontua hwee kɔma CIFAS (cifas.org.uk/dsar) sɛ wobɛhwɛ sɛ sikakorabea bi de "Misuse of Facility" agyiraehyɛde a ɛne wo din to gua wɔ ɔkwan a ɛnteɛ so anaa.
2. Twe akyinnyegye wɔ nsisi a ɛnteɛ anaa akontaabu-asɛe agyiraehyɛde ahorow ho: Sɛ sikakorabea bi too wo akontaabu mu sɛ adwumayɛ mu asiane ho gyinaesi ara kwa ("mfomso biara nni hɔ a wɔato mu") a wode ka zero negative balance a, ɛnsɛ sɛ ɛbɔ "Suspected Fraud" anaa "Account Abuse" ho amanneɛ. Sɛ koodu a ɛte saa no pue wɔ ɔkwan a ɛnteɛ so a, fa FCRA akasakasa a wɔakyerɛw kɔma ChexSystems/EWS fa wo 0.00 USD sika a etwa to ho amanneɛbɔ a etwa to no bata ho; ɛsɛ sɛ adwumakuw no hwehwɛ na wɔpopa agyiraehyɛde ahorow a wontumi nnye ntom wɔ nnafua 30 ntam.
3. Bue "Second Chance" anaa Bank On akonta a wɔagye atom a ɛnyɛ overdraft sɛ ɛho hia a: Sɛ wowɔ ChexSystems kyerɛwtohɔ a enye bere a akasakasa bi da so a, bisa checking account a wɔagye atom wɔ ɔman Cities for Financial Empowerment (CFE) "Bank On" gyinapɛn (a sikakorabea akɛse ne boseabɔ akuw du du pii de ma) anaa Basic Bank Account wɔ United Kingdom ne EU (wɔ Payment Accounts Regulations 2015 ase), a ɛnpow wɔn a wɔrehwehwɛ sika a wɔadi kan agye boro so na entumi nnye sika a ɛboro so ho ka.

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Nsɛm a wɔtaa bisa¶

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Sources a wɔhwɛɛ mu¶

• Federal Deposit Insurance Corporation (FDIC) (United States): 12 CFR Ɔfa 330 (Deposit Insurance Coverage Mmara, a April 2024 Trust Account Revisions ka ho), Bere a Sikakorabea bi Di nkoguo: Nokwasɛm ahorow ma wɔn a wɔde sika sie, wɔn a wɔde boseabɔ, ne wɔn a wɔbɔ bosea, ne *FDIC Mmara a Etwa To a ɛfa Ɔmanfoɔ Nsɛnkyerɛnneɛ ne Dawurubɔ ahwehwɛdeɛ a ɛfa Fintech ho Insurance a Wɔde Sie a Wɔfa so *.
• Adetɔfoɔ Sikasɛm Ahobanbɔ Dwumadibea (CFPB) ne Aban Asoɛeɛ a ɛwɔ Federal Reserve System (United States): Mmara CC (12 CFR Ɔfa 229: Sika a ɛwɔ hɔ ne Check a wɔboaboa ano), Mmara E (12 CFR Ɔfa 1005: Ɛlektrɔnik Sika a Wɔde Kɔma Mfomsoɔ Ho Nsiesiei), ne 31 CFR Ɔfa 212 (Garnishment of Accounts a ɛwɔ Federal Benefit Pays).
• Ɔman Boa Kuo Asoɛeɛ (NCUA) (United States): Kyɛfa Insurance Sikakorabea Nsɛm a Wɔaka abom ne Boa Kuo a Wɔgye Ho Nhyehyɛeɛ.
• Sikasɛm mu Nnwuma Akatua Nhyehyɛeɛ (FSCS) ne Sikasɛm mu Abrabɔ Pa Bagua (FCA) (United Kingdom): Anohyeto a Wɔde Bɔ Sika a Wɔde Sie (85,000 GBP ne 1,000,000 GBP Bere tiaa mu Sika a Ɛkorɔn), Mfatoho a Wɔnya fi Nsɛmmɔnedi mu Mmara 2002 (AML Tipping-Off Rules), ne CIFAS Marker Dispute Procedures.
• Canada Sikakorabea Insurance Corporation (CDIC) ne Sikasɛm mu Adetɔfoɔ Dwumadibea a ɛwɔ Canada (FCAC) (Canada): CDIC a wɔde tua ho ka wɔ sika a wɔde asie mu akuo ahodoɔ mu ne Sika a wɔbɛnya ho mmara (Check Hold Maximums).
• Europa Sikakorabea Aban (EBA) ne Australia Ahwɛyie Ho Mmarahyɛ Bagua (APRA): EU Akwankyerɛ 2014/49/EU a ɛfa Sika a Wɔde Sie Ho Bɔhyɛ Nhyehyɛeɛ ho ne Australia Sikakorabea Nhyehyɛeɛ (FCS) 250,000 AUD Sikakorabea Ahobanbɔ Akwankyerɛ.

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Akwankyerɛ ahorow a ɛfa ho¶

• Sikakorabea akontaabu a wobu so ne wire mmuae a wɔmma ho kwan
• Sikasɛm mu ahokyere a ɛba mpofirim ne sika a wɔpaw
• Sikakorabea a wɔde gye ntɛmpɛ a wɔbɛkyekye afi mfiase
• Sika a wɔde asie a wɔbɛbɔ ho ban bere a gua so asɛe no
• Emergency nɔma ahorow ho kyerɛwtohɔ