Ukuvalwa kweAkhawunti yeBhanki ngesiquphe (De-Banking), ChexSystems Blacklisting, kunye nokuBuyiselwa kweNgxowa-mali¶

Ukuvuka ufumanisa ukuba ikhadi lakho lebhanki laliwe kwivenkile yokutya kunye ne-app yakho yebhanki ephathwayo ebonisa "I-akhawunti ithintelwe / ivalwe liZiko lezeziMali" ngaphandle kwesilumkiso sangaphambili yimeko yonxunguphalo yezemali yekhaya. Yaziwa kulo lonke ishishini lebhanki njenge de-banking, ** exit-risk **, okanye ukuvalwa kokuthotyelwa kwealgorithmic, iibhanki kunye ne-fintech apps (ezifana neChase, iBhanki yaseMelika, iWells Fargo, iCitibank, iCapital One, iChime, iPayPal, okanye iRevolut) ihlala ingumkhenkce kwaye iphelisa ukukhangela kunye nokugcina i-akhawunti ye-Automa-ML okanye ubuqhophololo algorithms iflegi idiphozithi, ukudluliselwa Zelle, umfanekiso itshekhi mobile, umsebenzi cryptocurrency, okanye ingxabano overdraft. Okubi nangakumbi, xa ibhanki ivala i-akhawunti yakho, inokubamba ibhalansi yakho eseleyo kangangeentsuku ezili-10 ukuya kwezingama-60 phambi kokuba ithumele itshekhi ye-cashier yephepha, ngelixa kwangaxeshanye inika ingxelo yophawu lokunyelisa ("Ukusetyenziswa kakubi kwe-Akhawunti" okanye "Ubuqhophololo oburhanelwayo") ku ChexSystems kunye IiNkonzo zeZilumkiso zakwaNgethuba (EWS) ezivala indawo yokuvula iakhawunti kwenye indawo.

Ukuba iakhawunti yakho iye yamiswa ngumyalelo wenkundla, ugunyaziwe werhafu, okanye iarhente yenkxaso yomntwana kunokuthobela ibhanki, tshintshela ngoko nangoko ukuya. Irhafu ye-akhawunti yebhanki, i-akhawunti yokutshekisha efriziweyo, kunye nokukhululwa kweemali ezixolelweyo; ukuba ukuvalwa kwakho kube sisiphumo sokutshekishwa kwephepha elibunjiweyo okanye elitshintshiweyo, yabona ukuhlanjwa kwetshekhi, ukuguqulwa kweetshekhi zemeyile ezibiweyo, kunye nobuqhetseba betshekhi ye-cashier; ukuba idebhithi ye-ACH engagunyaziswanga ikhuphe ibhalansi yakho, yabona Impikiswano yokubuyisela ikhadi letyala, i-ACH debit engagunyaziswanga, kunye noMgaqo E; kunye noncedo olungxamisekileyo olungxamisekileyo, dibana nathi amanani kaxakeka ulawulo.

Yenza oku ngoku¶

1. Vula i-akhawunti yokutshekisha yokutshintsha kwiziko elitsha NAMHLANJE phambi kokuba ibhanki ivale ingxelo kwi-ChexSystems okanye kwiiNkonzo zokuQala izilumkiso: Kudla ngokuthatha iintsuku ezi-3 ukuya kwezili-14 zokusebenza ukuba ifayile yebhetshi yokuvala yebhanki ibethe iChexSystems. Faka isicelo kwi-intanethi okanye ngokobuqu kwimanyano yetyala lendawo okanye ibhanki eqinisekisiweyo ethi "Second-Chance / Non-ChexSystems" namhlanje ukuze ube nomzila osebenzayo kunye nenombolo yeakhawunti kwangoko.
2. **Reyisa umqeshi wakho idipozithi ngqo yokuhlawula, uKhuseleko lweNtlalo, izibonelelo ze-VA, okanye ukubuyiselwa kwerhafu kwiiyure ezingama-24 **: Ukuba umvuzo wakho okanye inzuzo karhulumente ithunyelwa nge-ACH kwiakhawunti yebhanki evaliweyo okanye engumkhenkce, iimali ziya kuphinda zibuyele kumqhubekekisi womvuzo womqeshi wakho (ukulibazisa umvuzo wakho ngeentsuku ezi-5 ukuya kwezili-10 zokusebenza) okanye uvaleleke ngaphakathi kwi-akhawunti ye-akhawunti yophando lwangaphakathi ngelixa uphononongo lwakho lwangaphakathi.
3. Yeka ukudibanisa yonke iidrafti zentlawulo-mali yetyala (ACH debit) yendlu yakho, irenti, mboleko yemoto, i-inshorensi, kunye nezinto eziluncedo: Xa ibhanki ivala i-akhawunti yakho, nayiphi na intlawulo engenayo ezenzekelayo engenayo yemali mboleko yakho, irenti, okanye ikhadi letyala liya kubuya ne ACH Return Code R02 (I-Akhawunti Ivaliwe) okanye R16 (i-akhawunti evaliweyo) i-R16 (intlawulo ekhutshwayo)* amanqaku, kunye nokutshixwa kwabo ubakwelitayo.
4. **Fowunela iSebe lokuvala iLahleko yoThintelo lweLahleko / iSebe eliBuye kwi-Ofisi yoMngcipheko (hayi inkonzo eqhelekileyo yabathengi) ukufumanisa ukuba loluphi uxwebhu olucoca ibhalansi yakho engumkhenkce **: Ukuba ibhanki ibambe umvuzo wakho okanye ibhalansi yokonga ngexesha “lophononongo lweentsuku ezingama-60 lwemithombo-mali,” buza ukuba ngaba uzisa umniki-tshekhi (okanye umqeshi wakho wokuhlawula kunye neembuyekezo zerhafu) ngokukhawuleza kumphathi wesebe uya kukhulula isebe.
5. Qinisekisa eyona dilesi yemeyile kwifayile uze ufune inombolo yokulandela umkhondo wetshekhi yakho yokuvala yokuvala: Iibhanki phantse zisoloko zithumela ibhalansi eseleyo yeakhawunti evaliweyo ngeposi eqhelekileyo kwidilesi ekwifayile. Qinisekisa idilesi yesitrato sakho ngoko nangoko ukuze ukonga ubomi bakho kungathunyelwa ngeposi kwindlu endala.
6. **Faka isikhalazo esisemthethweni kwi-CFPB kunye ne-OCC (e-US) okanye i-Financial Ombudsman (e-UK) ukuba ibhanki ibambe iimali ezingaphikiswanga ezidlulileyo kwi-10 ukuya kwiintsuku zokusebenza ze-14 **: Ngaphantsi kokhokelo lwebhanki ye-federal, ibhanki ayinakuthatha ngokungenammiselo i-payroll engathandabuzekiyo okanye iimali zokulondoloza emva kokuvalwa kwe-akhawunti; ukufaka isikhalazo somlawuli kuhambisa ifayile yakho ngqo kwi-Ofisi yoLawulo yebhanki kwaye ngokuqhelekileyo ikhupha itshekhi ye-cashier yakho phakathi kweentsuku ezi-3 ukuya kwezi-5 zokusebenza.

Umthi wesigqibo: ukusinda kwi-akhawunti yebhanki ngesiquphe ikhenkceke okanye ivalwe¶

Xa i-akhawunti yakho yetshekhi okanye yokonga itshixiwe okanye icwangciselwe ukuvalwa, landela le tshati yokuvavanya ngokukhawuleza ukukhusela umvuzo wakho, amatyala kunye nokufikelela ebhankini.

flowchart TD
    Start["IBhanki Iba ngumkhenkce okanye Ivale iakhawunti yakho yokuJonga/yoGcino ngaphandle kwesilumkiso"] --> Step1Open["Iyure ye-1: Ngokukhawuleza uvule i-Akhawunti yokuHlola i-Backup kwi-Local Credit Union okanye i-Non-ChexSystems Bank (i-Chime, i-SoFi, i-Capital One 360, okanye i-Fidelity Cash Management)"]
    Step1Open --> Step2Reroute["Iyure yesi-2: Guqula iDiphozithi eNgqongileyo yoMqeshi, uKhuseleko lweNtlalo / i-ACH yepenshini, kunye nayo yonke iMithetho ye-Auto-Pay (i-Mortgage, iRenti, iMoto, iKhadi leTyala) kwiAkhawunti eNtsha."]
    Step2Reroute --> WhyLocked{"1. Kwakutheni ukuze ibhanki imise okanye ivale iakhawunti?"}
    WhyLocked -->|"A. Irhafu yesigwebo seNkundla, i-IRS/iRhafu yeRhafu yeSizwe, okanye iNdawo yokuXhaswa kweNkxaso yoMntwana"| LevyPath["Ayikokuvalwa kweBhanki: Landela umrhumo weakhawunti yeBhanki kunye neNkqubo yokuXolelwa kweNgxowa-mali ngoko nangoko."]
    WhyLocked -->|"B. Umrhanelwa uHlola ubuqhophololo, i-Mobile Deposit Hold, okanye i-Unverified Wire / Zelle Inflow"| SourceHold["Fowunela iDesika yoThintelo lweLahleko yeBhanki / uQinisekiso lobuQhinga; Nikela ngokuQinisekisa koMenzi weSebe okanye iiPaystubs eziQinisekisiweyo/HUD-1 iNgxelo yokuvala yokuCima ukubamba"]
    WhyLocked -->|"C. Ukuthotyelwa / Ukuvalwa kwe-AML 'Ukuphuma-kuMngcipheko' (i-Crypto, i-Cash Structuring, i-SAR Algorithm, okanye akukho sizathu sinikiweyo)"| ExitClosure["IBhanki Ayisayi Kuphinda Ivule Iakhawunti; Qinisekisa idilesi yemeyile yokuvala iChecker's Check kunye noFuna Owona mhla wokukhutshwa"]
    WhyLocked -->|"D. Ibhalansi eNegative / Ukuvalwa kweNtlawulo ye-Ovadrafti"| OverdraftClose["Hlawula iNgqungquthela eNciba iBhala phambi koSuku lwe-30-60 yeNtlawulo okanye uthethathethwano ngokuSuswa kweMirhumo ye-Ovadrafti yesibini"]
    SourceHold --> FundsStuck{"2. Ngaba ibhanki iyala ukukhulula imali yakho esemthethweni emva kweentsuku zokusebenza ezili-10?"}
    ExitClosure --> FundsStuck
    FundsStuck -->|"Ewe: Ibhanka ephethe umvuzo/ugcino-mali kwi-limbo"| FileRegulator["Fayile Isikhalazo esiKhawulezayo nge-CFPB (consumerfinance.gov) KUNYE ne-OCC/FDIC (okanye i-UK Financial Ombudsman / FCAC); Funa iNgxowa-mali eBuyiswa ngokukhawuleza"]
    FundsStuck -->|"Hayi: Kuthunyelwe itshekhi yokuvala"| DepositCheck["Idiphozithi yokuVala iKhangela kwiAkhawunti Entsha; Tsala ii-ChexSystems zaMahla kunye neeNkonzo zokuQala zokulumkisa (EWS) Iingxelo zokuPhikisana nayo nayiphi na iKhowudi 'yoBuqhetseba'"]

Kutheni iibhanki zivala ngequbuliso iiakhawunti zabathengi abamsulwa (I-5 algorithmic triggers)¶

Ngaphantsi korhwebo olusemgangathweni Izivumelwano zeAkhawunti yeDiphozithi kwihlabathi jikelele, ibhanki inelungelo lesibhambathiso lokuvala i-akhawunti yedipozithi yomthengi nangaliphi na ixesha ngaphandle kwesizathu. Nangona kunjalo, kuninzi lokuvalwa ngequbuliso, injini yomngcipheko ezenzekelayo ibangele enye yeeflegi ezintlanu ezithile:

1. Idiphozithi yokuHlola yeMobile okanye ukuFayiswa koQinisekiso lwePhepha: Ufake isheke yokuhlawula i-inshorensi, itshekhi ye-cashier ekuthengiseni imoto, itshekhi yembuyekezo yerhafu kaNondyebo waseMelika, okanye itshekhi evela kumxhasi omtsha usebenzisa ikhamera ye-smartphone yakho. Ukuba itshekhi enkulu xa kuthelekiswa ibhalansi avareji eqhelekileyo yakho, okanye ukuba ibhanki ekhuphayo uyasilela ukuphendula ping emva-ofisi yokuqinisekisa, i-algorithm yebhanki iflegi itshekhi njenge "Instrument Suspected Altered / Counterfeit" kwaye itshixa ubudlelwane bakho bonke.
2. ** Zelle, Venmo, okanye Wire Transfer "Chain Contamination"**: Ukuba uthengise ibhedi okanye amatikiti ekhonsathi kwi-intanethi kwaye umthengi wahlawula i-300 yeedola nge-Zelle, kwaye kwiintsuku ezintathu kamva loo bhanki yomthengi ibika ukuba umthengi usebenzisa i-akhawunti eqhekekileyo okanye eqhuba i-scam, ** yonke i-akhawunti yebhanki efumene ukudluliselwa kwe-Zelle kwi-rozening ye-Ear* i-Ear ngokuzenzekelayo (EWS)** inethiwekhi.
3. Iipateni zeDipozithi yeCash ezikhangeleka ngathi "Ulwakhiwo" (Ngaphantsi kweedola ezili-10,000): EUnited States, iibhanki zifakela iNgxelo yoTshintsho lweMali yesiqhelo (CTR) yeentengiselwano zemali ezingaphezu kwe- 10,000 yeedola zase-US (okanye i-\(10,000 CAD eCanada / €10,000 kwi-EU). I-CTR isemthethweni ngokupheleleyo kwaye ayinabungozi. Nangona kunjalo, ukuba ufaka i-\) 4,500 emalini ngoMvulo kunye ne-$ 4,800 yemali ngoLwesithathu ekuthengiseni imoto esetyenzisiweyo okanye iingcebiso zokutyela, isoftware yebhanki ifakela wena ** Ulwakhiwo (31 U.S.C. § 5324)**, ulwaphulo-mthetho lomanyano lokwaphula imali edipozithi ukuze uhlale phantsi kwe-10,000 yeedola, uvale iakhawunti yakho ngokuzenzekelayo.
4. ** I-Cryptocurrency Exchange Transfers, Gambling, okanye i-High-Risk Business Activity in Personal Account **: Ukuthumela i-ACH okanye i-wire transfers kwi-platform ye-cryptocurrency ye-offshore, iincwadi zezemidlalo ze-intanethi, ii-transmitters zemali ezingavumelekanga, okanye ukuqhuba ukuthengiswa kwe-e-commerce / ishishini nge-akhawunti yokukhangela umntu kubangela ukuvalwa kwe-AML ngokuzenzekelayo.
5. Iingxabano eziBabekileyo zoMgaqo-E okanye eziBuyiswayo ze-ACH: Ukufakela umva ngeentlawulo zamakhadi edebhithi amaninzi okanye ukuba neediphozithi ezininzi ezingenayo ze-ACH (iKhowudi yokuBuyisa engu-R01/R09) ibonisa iprofayili njengetyala eliphezulu/lomngcipheko wokusebenza.

Ukuqonda izintlu ezimnyama zebhanki: i-ChexSystems vs. IiNkonzo zokuQala zokulumkisa (EWS)¶

Uninzi lwabathengi bayazi malunga namaziko amathathu okuthenga ngetyala (Equifax, Experian, kunye neTransUnion), alandelela amakhadi etyala kunye nemali mboleko. Nangona kunjalo, xa ufaka isicelo seakhawunti yokutshekisha okanye yokonga, iibhanki azi*** zixhomekeke ikakhulu kumanqaku akho eFICO; endaweni yoko, batsala ezimbini ezikhethekileyo iiarhente ezikhethekileyo zokunika ingxelo yabathengi ezilawulwa phantsi komanyano lwe-Fair Credit Reporting Act (FCRA):

Uyifumana njani imali yakho engumkhenkce xa ibhanki ibambe ibhalansi yakho kwi-limbo¶

Xa ibhanki ivala i-akhawunti yakho ngokucocekileyo (umzekelo, isigqibo solawulo "sokuphuma-kumngcipheko" apho kungekho diphozithi ithile iphikiswayo), ibhanki idla ngokumisela imida yokutsalwa kwe-elektroniki ngoko nangoko kwaye ithumele i-itshekhi yokuvala i-cashier yebhalansi yakho eseleyo phakathi kweentsuku* ezili-10 ukuya kwezili-14 zokusebenza**.

Nangona kunjalo, ukuba ibhanki ivale i-akhawunti yakho kuba ibuze idiphozithi yetshekhi ethile, intlawulo yocingo, okanye intlawulo yenzuzo karhulumente, ibhanki inokukubeka Back-Office Research Hold / Restraint kwaye ikuxelele ukuba ibambe imali yakho ngeentsuku30, 60, okanye ezingama-90 (okanye ifuna ukuba ubonise ukuba imali yeyakho ngaphambi kokuba bakhuphe nepeni). Landela la manyathelo mathathu okunyuka kweleli ukuze ufumane imali yakho ngokukhawuleza:

Inyathelo loku-1: Coca itshekhi ekuphikiswanayo okanye ukubamba idiphozithi nge-"Maker Verification"¶

Ukuba iakhawunti yakho iyonke (kuquka nemali yomvuzo wakho osemthethweni) iye yamiswa ngenxa yokuba ubeke itshekhi enkulu evela kumntu wesithathu (njengenkampani yeinshorensi, inkampani yetayitile yezindlu, umhlaba wosapho, okanye umqeshi): 1. Fowunela ibhanki UThintelo lweLahleko / Idiphozithi yokuPhonononga iYunithi (cela umphathi wesebe ukuba ukwandiswe ngqo kwangaphakathi). 2. Buza ingcaphephe: "Yeyiphi intengiselwano ethile ebangele ukuba kubanjwe, kwaye loluphi uqinisekiso oluchanekileyo olufunayo kumniki-mali ukukhulula imali yam?" 3. I-In-Branch Three-Way Verification: Hamba uye kwisebe lebhanki yakho eneendlela ezimbini zeSazisi sikarhulumente, isityholo setshekhi okanye ikhontrakthi yokuhlawula ityala, kunye neenkcukacha zoqhagamshelwano zomntu okanye inkampani ekubhalele itshekhi (UMenzi). Cela uMphathi weSebe ukuba afowunele idesika yakhe yangaphakathi yoThintelo lweLahleko kumgca omnye kunye nenkomfa kwibhanki ekhuphayo okanye utshekishe umbhali kumgca wesibini, okanye umntu okubhalele itshekhi angene nawe kwisebe kunye nesazisi sakhe. Nje ukuba i-ofisi yebhanki yangasemva iqinisekise ukuba uMenzi akayixelanga itshekhi ebiweyo okanye yomgunyathi, kufuneka bayikhulule ibambe kwaye bakhuphe itshekhi yakho yokuvala.

Inyathelo lesi-2: Cela i-Expedited Funds Availability Act (Regulation CC) kunye noMgaqo E¶

EUnited States, iibhanki azinakwenza imithetho engqongqo yeentsuku ezingama-90 ngaphandle kokulandela umthetho womanyano: - Umgaqo CC (i-12 CFR iSahlulo sama-229, uMthetho wokuFumaneka kweeNgxowa-mali eziKhawulezisiweyo): Imisela inani eliphezulu leentsuku zokusebenza ibhanki inokubamba idiphozithi yetshekhi (ngokubanzi iintsuku ezi-2 zokusebenza kwiitshekhi eziqhelekileyo, ukuya kuthi ga kwiintsuku ezisi-7 zoshishino ngaphandle kokubamba ngaphezulu kweedola ezingama-5,525 okanye amathandabuzo anengqiqo malunga nokuqokeleleka, kunye nokufumaneka kwe-Trebusiness **-ngosuku olulandelayo, ukufumaneka kwe-US iitshekhi zemali, kunye neediphozithi ezithe ngqo ze-elektroniki). Ukuba isheke sele ihlawulwe ibhanki ehlawulayo kwaye ifestile yokubuyisela ibhanki ehlawulayo idlulile ngaphandle kokubuyisela, ibhanki ye-depository ayinalo ilungelo elisemthethweni lokubamba ezo mali ziqokelelwe ngokungenammiselo. - UMmiselo E (12 CFR iSahlulo 1005, uThutho lweNgxowa-mali yeKhompyutha): Ukuba ibhanki ivale i-akhawunti yakho emva kokuba uphikise ngedebhithi ye-elektroniki engagunyaziswanga, okanye ukuba idipozithi yomvuzo we-elektroniki ibanjwe ngaphandle komyalelo wenkundla osebenzayo okanye umdlalo wezohlwayo we-OFAC, funa ukunyuka kwi-IGosa lokuThobela loLawulo lebhanki.

Inyathelo lesi-3: Fayila i-CFPB ekhawulezileyo kunye ne-OCC / Federal Reserve isikhalazo (I-72-Hour Executive Bypass)¶

Ukuba ii-arhente zefowuni ziqhubeka zifunda iskripthi enqaba ukukhulula imali yakho engenakuphikiswa, yeka ukubiza umgca wenkonzo yomthengi we-1-800. Chitha imizuzu elishumi ufake izikhalazo ezimbini ezisemthethweni kwi-intanethi: 1. I-Consumer Financial Protection Bureau (CFPB) e consumerfinance.gov/complaint (Khetha I-akhawunti yokutshekisha okanye yokonga -> Ukuvala i-akhawunti -> Imali engafunyanwanga kwiakhawunti evaliweyo). 2. I-Ofisi yoMlawuli weMali (OCC) e helpwithmybank.gov (kwiibhanki zelizwe ezifana ne-Chase, iBhanki yaseMelika, i-Wells Fargo, i-Citi, i-U.S. Bank, i-PNC, i-Capital One) OKANYE i-*FDIC / iSebe leBhanki likaRhulumente ** (kwiibhanki eziqeshwe ngurhulumente) OKANYE NCUA (mycreditunion.gov kwiimanyano zamatyala). - **Kutheni oku kusebenza ngokukhawuleza **: Ngokomthetho, xa isikhalazo se-CFPB okanye i-OCC sifika ebhankini, sidlula i-call centre ye-offshore kunye nomgca wobuqhetseba obuqhelekileyo ngokupheleleyo kunye nomhlaba kwidesika ye-bhanki ** I-Ofisi yoLawulo / i-Ofisi kaMongameli **, ekufuneka ingenise impendulo ebhaliweyo ngokusemthethweni kurhulumente wobumbano phakathi kweentsuku ezili-15 *. Ngokwesiqhelo, ummeli weOfisi yesiGqeba uya kukutsalela umnxeba kwiintsuku ezi--2 ukuya kwezi-5 zomsebenzi, uphonononge iipaystubs zakho okanye i-ID, kwaye ngobusuku obunye itshekhi yakho yokuvala i-cashier nge-FedEx/UPS ukuvala isikhalazo somanyano.

Uluhlu lwebhanki oluqinisekisiweyo lweSecond-Chance kunye ne-Non-ChexSystems¶

Ukuba sele unayo i-ChexSystems engalunganga okanye irekhodi yeeNkonzo zokuQala, okanye ufuna ukuvula i-akhawunti yokugcina ekhuselekileyo namhlanje engasebenzisi i-ChexSystems, sebenzisa enye yezi ndlela eziqinisekisiweyo:

1. Ii-Akhawunti zoLawulo lweMali ye-Brokerage (I-#1 yoMthetho yokuBypass kuzo zombini ii-ChexSystems NE-EWS)¶

Ii-brokers ezinkulu zotyalo-mali zibonelela simahla ** IiAkhawunti zoLawulo lweMali ** eziza kunye nenombolo yomzila, inombolo ye-akhawunti yediphozithi yokuhlawula ngokuthe ngqo, intlawulo ye-bill engenamkhawulo yasimahla, iincwadi zesheke zasimahla, ikhadi le-Visa/Mastercard debit card kunye nembuyekezo yemali ye-ATM yehlabathi jikelele, kunye ne-inshurensi epheleleyo ye-FDIC yokutshayela, kodwa ** ziyi-akhawunti ye-investment brokerage, ngoko ke abayitsali i-Wartemning Services okanye i-Chexys - Iakhawunti yoLawulo lweMali eFidelity (fidelity.com): Imirhumo yenyanga ye-Zero, ibhalansi encinci ye-zero, inikezela ngenombolo epheleleyo yokuhamba / ye-akhawunti (ngeBhanki ye-UMB), ukubhalwa kwesheke simahla, iingcingo zasekhaya zasimahla, kunye nezaphulelo zentlawulo ye-ATM. - Charles Schwab Investor Checking / Brokerage okanye Vanguard Cash Plus: Jonga utshayela olukhethekileyo lwemali ye-brokerage ukuze ufumane idiphozithi ethe ngqo kunye nokusebenza kokuhlawula ityala le-ACH.

2. IiBhanki ezinkulu ezingasebenzisi i-ChexSystems (okanye zinike iiAkhawunti ezisemthethweni ze-Second-Chance Accounts)¶

• Iakhawunti yokuJonga iChime (chime.com, FDIC-inshorensi ngeBhanki yeBancorp / Stride Bank): Ngaba ** ayi** itsale i-ChexSystems okanye i-EWS yokuvula okusemgangathweni; akukho ntlawulo yenyanga okanye i-ovadrafti.
• Ukujongwa kweSoFi kunye noGcino (sofi.com, IBhanki ye-SoFi, N.A.): Isebenzisa ikhredithi ethambileyo / ukuqinisekiswa kwesazisi kunokuba i-ChexSystems yelifa engqongqo iyancipha kuninzi lwabafaki-zicelo.
• I-Capital One 360 iJonga (capitalone.com): Ngelixa i-Capital One ililungu le-EWS, idume ngokuxolela amangenelo amancinci adlulileyo e-ChexSystems xa esonjululwe.
• **I-Wells Fargo Clear Access Banking **, **iBhanki yeBhanki yaseMelika eKhuselekileyo yeBhanki **, Chase iBhanki eKhuselekileyo, kunye ne U.S. Iakhawunti yeBhanki eKhuselekileyo yeDebit: Ngaphandle kokutshekishwa, ubungqina obungahlawulwanga ngokusemthethweni Ii-akhawunti zeBhanki eziQinisekisiweyo ezilungiselelwe ngokukodwa ukwamkela abafaki-zicelo abakhatywayo ngokutshekishwa okusemgangathweni ngenxa yembali ye-ovadrafti yexesha elidluleyo engahlawulwanga (ukuba umenzi-sicelo akanayo iflegi Yobuqhophololo esebenzayo kwi-EWS).
• IiManyano yeeKhredithi zeNgingqi ("UkuQala okutsha"): Amakhulu eemanyano zamatyala asekuhlaleni anikezela ngee-akhawunti ezizinikeleyo zokujonga i-Second-Chance eziguqulela kwi-akhawunti yokutshekishwa eqhelekileyo emva kweenyanga ezi-6 ukuya kwezili-12 zembali evumayo.

Iprotocol yesinyathelo-nge-nyathelo ukuphikisa kunye nokususa i-ChexSystems yobuxoki okanye uphawu lwe-EWS¶

Ukuba ibhanki ivale i-akhawunti yakho kwaye ichaze ** "Ubuqhetseba oburhanelwayo"** okanye "Ukuxhatshazwa kwe-Akhawunti" kwi-ChexSystems okanye kwiiNkonzo zokuQala isilumkiso xa ungenzanga nto iphosakeleyo (umzekelo, ube lixhoba letshekhi ebotshiweyo omnye umntu ekubhalele yona, okanye ukuvalwa kwe-algorithm yobuxoki), unelungelo phantsi **Icandelo 611 kunye neCandelo le-Credit 623 Act. 1681i & § 1681s-2) ** ukunyanzela uphando olusemthethweni kunye nokususwa:

1. ** Tsala zombini iingxelo kuqala **: Khuphela isibhengezo sakho sasimahla kwi chexsystems.com kwaye earlywarning.com kwaye ufunde kanye iKhowudi yeSizathu esixeliweyo (umzekelo, Ukuphathwa kwe-akhawunti enganelisiyo, Ukucinywa kweNtlawulo ye-Overdraft, okanye Isenzo sobuqhophololo esirhanelwayo).
2. Thumela iNgxwabangxwaba yeFCRA kwangexesha + Impikiswano ethe ngqo yeFurnisher ngeMeyile eQinisekisiweyo:
3. Sukucofa nje iqhosha elithi "Dispute" kwi-intanethi ngenqaku elinesivakalisi esinye. Bhala ileta ecacileyo neyinyaniso ethi: "Ngomhla [Umhla], [Igama leBhanki] ivale i-akhawunti yam ephela ngo- [XXXX] kwaye inike ingxelo 'yokusetyenziswa gwenxa kwe-Akhawunti / Ubuqhophololo oburhanelwayo' kwi-arhente yakho. Ndenze ubuqhophololo kwaye andizange ndikhuphe imali ngaphezulu kwale akhawunti; ibhalansi yam yokuvala ibe yi-positive $[Isixa]. Okuqhotyoshelwe apha yingxelo yam yokugqibela yebhanki, isiqinisekiso somvuzo webhanki/umthombo wetyala le-TC kunye nengxelo yetyala lam. (ukuba kufanelekile). Phantsi kwe-15 U.S.C § 1681i, ndifuna ukuphinda kuphandwe kwaye kucinywe ngoko nangoko lo mgca wokurhweba ungachanekanga nonyelisayo."
4. Thumela ikopi enye nge-USPS Certified Mail kunye neSicelo sokuBuyisa esiceliwe kwi ChexSystems Dispute Department (PO Box 583399, Minneapolis, MN 55458) kunye NeeNkonzo zeSilumkiso kwangethuba Iinkonzo zabaThengi (5801 N. Pima Rd, Scottsdale250 ikopi ngokuthe ngqo kwi-AZ 8), ikopi ye-AZ 8 Idilesi yeBhanki ye-FCRA ye-Credit Bureau**.
5. I-30-Day Statutory Deletion Clock: Ngaphantsi kwe-FCRA, i-ChexSystems, i-EWS, kunye nebhanki yokunika ingxelo kufuneka igqibe uphando lwayo ngeentsuku ze-**30 zekhalenda ** (okanye icime ingeniso ngokuzenzekelayo ukuba ibhanki iyasilela ukuqinisekisa ukuchaneka kweleyibhile ethi "Fraud/Abuse" enobungqina obubambekayo).

Iinombolo zikaxakeka zengingqi kunye neeprothokholi zengxabano zebhanki¶

Imibuzo ebuzwa qho¶

Ngaba ibhanki ingakwazi ukuvala ngokusemthethweni ii-akhawunti zam zetshekhi kunye nezokugcina ngesaziso seentsuku ezingu-0 kwaye yale ukundixelela ukuba kutheni?¶

Ewe. Phantsi kwesiVumelwano seAkhawunti yeDipozithi osayine xa uvula i-akhawunti, wena kunye nebhanki ninelungelo elisemthethweni lokuphelisa ubudlelwane bebhanki nangaliphi na ixesha ngenxa yaso nasiphi na isizathu esingacaluliyo. Ukongeza, ukuba i-software yebhanki ezenzekelayo yokuthobela ibhengezwe kwintengiselwano yeNgxelo yoMsebenzi oSolisayo (SAR) phantsi koMthetho woBufihlo weBhanki, umthetho wesigqeba (31 U.S.C. § 5318(g) (2)) ubalela ngokungqongqo abasebenzi bebhanki ukuba bakuxelele ukuba kutheni i-akhawunti ivaliwe. Nangona kunjalo, ngelixa ibhanki inelungelo lokuvala iakhawunti yakho, AYINAlungelo lokugcina imali yakho esemthethweni.

Ibhanki inokubamba ixesha elingakanani imali yam emva kokuvala iakhawunti yam, kwaye ndiyifumana njani ngokukhawuleza?¶

Xa kuvalwa idiphozithi ethile ekrokrelekayo ngobuqhophololo, iibhanki zidla ngokuthumela itshekhi yomgcini-mali wephepha ngebhalansi yakho eseleyo phakathi kweentsuku ezili-10 ukuya kwezili-14 zokusebenza emva kokuba ikhadi lakho lokutsalwa ligqityiwe. Ukuba ibhanki ibango ukuba ibambe iimali zakho ze-30 ukuya kwiintsuku ze-60 + "zobuqhetseba okanye uphando lwemithombo-mali," tsalela ideskiti ye-Loss Prevention yebhanki ukuze ibonelele ubungqina bokuba idiphozithi isemthethweni (ezifana ne-paystubs okanye i-check maker verification), kwaye ukuba basala ukukhulula iimali ezingenakuphikiswa ezidlulileyo iintsuku ze-10 ze-Bureau, ifayile ye-Financial Protection Consumer (CFPB) kunye ne-OCC.

Kwenzeka ntoni kwidipozithi yam yomvuzo okanye intlawulo yoKhuseleko lweNtlalo ukuba ithunyelwe kwiakhawunti yam yebhanki evaliweyo?¶

Ukuba i-akhawunti yakho sele ivaliwe ngokupheleleyo kwinkqubo yekhompyutha yebhanki, i-ACH engenayo idiphozithi ngqo (njenge-payroll okanye i-Social Security) iyakhatywa ngokuzenzekelayo kwaye ihlawulwe kumthumeli nge-ACH Return Code R02 (i-akhawunti evaliweyo), edla ngokuthatha iintsuku ezi-3 ukuya kwezi-5 zokusebenza ngaphambi kokuba umqeshi wakho okanye urhulumente aphinde akhuphe umvuzo wakho kwi-akhawunti entsha. Okubi nakakhulu, ukuba i-akhawunti yakho ikwimeko "Yokuvalwa Komkhenkce / Okuthintelweyo Okulindileyo", ibhanki inokwamkela idipozithi engenayo ngqo kwaye iyitshixe ngaphakathi kwiakhawunti enomkhenkce de isheke yokuvala ithunyelwe ngeposi emva kweeveki. Soloko uthumela idipozithi yakho ngqo kwangosuku oluchanekileyo ofunde ngalo ngokumiswa kweakhawunti.

Ukuba ndifakwe kuluhlu olumnyama kwii-ChexSystems KUNYE neeNkonzo zokuQala zokuQala, ndingavula phi i-akhawunti yebhanki yokwenyani namhlanje ukuze ndifumane umvuzo wam?¶

Inketho yakho ekhawulezayo e-United States kukuvula iAkhawunti yoLawulo lweMali yamahhala kwi-brokerage enkulu yotyalo-mali, ngokukodwa i-Akhawunti ye-Fidelity Cash Management (fidelity.com) okanye uCharles Schwab, okanye i-akhawunti yokujonga i-fintech efana ne-Chime. Ngenxa yokuba i-Akhawunti yoLawulo lweMali yeFidelity icwangciswe njenge-akhawunti ye-brokerage etshayelwe kwiibhanki ze-FDIC-inshorensi ye-inshorensi, inika inombolo yokwenyani yomzila wediphozithi yokuhlawula ngokuthe ngqo, ukubhalwa kwesheke simahla, intlawulo yebhilidi yasimahla, kunye nekhadi le-Visa debit ngaphandle kokutsala i-ChexSystems okanye iiNkonzo zokuQala isilumkiso. Kungenjalo, faka isicelo seBhanki kwi-akhawunti eqinisekisiweyo engenatshekhi (efana ne-Wells Fargo Clear Access, iBhanki yaseMelika eSafeBalance, okanye i-akhawunti yomanyano lwamatyala engingqi).

Ngaba ukuvalwa kweakhawunti yebhanki ngesiquphe okanye irekhodi yeChexSystems ilimaza amanqaku am aqhelekileyo etyala (FICO)?¶

Hayi, ukuvalwa kwe-akhawunti yokuhlola ngokuzenzekelayo kunye nengxelo ye-ChexSystems okanye yeeNkonzo zokuQala zokuQala aziveli kwiingxelo zakho zetyala ze-Equifax, Experian, okanye zeTransUnion kwaye azinampembelelo ngqo kumanqaku akho etyala leFICO, NGOKUBA iakhawunti yakho yavalwa ngebhalansi elungileyo okanye enguziro. Nangona kunjalo, ukuba i-akhawunti yakho yebhanki ivaliwe nge-balance overdrawn engalunganga kwaye awuyi kuhlawula loo bhalansi engalunganga phakathi kwe-30 kwiintsuku ze-60, ibhanki iya kuthengisa elo tyala elingahlawulwanga kwi-arhente yokuqokelela umntu wesithathu, enokuthi inike ingxelo ye-tradeline yokuqokelela kwi-Equifax, i-Experian, kunye ne-TransUnion kwaye ulahle inqaku lakho le-FICO ngamanqaku angama-50 ukuya kwi-100.

Izikhokelo ezinxulumeneyo¶

• Irhafu ye-akhawunti yebhanki, i-akhawunti yokutshekisha ekhenkcezisiweyo, kunye nokukhululwa kweemali ezixolelweyo
• Ukuhlanjwa kwetshekhi, ukutshintshwa kweetshekhi zemeyile ezibiweyo, kunye nobuqhophololo betshekhi ye-cashier
• Impikiswano yokubuyisela ikhadi letyala, i-ACH debit engagunyaziswanga, kunye noMgaqo E
• Ukuvalwa kwetyala lokumiswa kwetyala ngexesha lemali-mboleko engxamisekileyo, imali mboleko yemoto, okanye isicelo sendlu
• Ukungaphumeleli kwebhanki, ii-akhawunti ezivaliweyo, kunye nokufunyanwa kwe-FDIC

Imithombo kunye nezikhokelo ezisemthethweni¶

• I-Consumer Financial Protection Bureau (CFPB, United States): CFPB Circular 2022-06 (Okungacingelwanga I-Ovadrafti kunye neZenzo zokuValwa kwe-Akhawunti), uMthetho weNgxelo yeTyala eliLungileyo lweMithetho ye-Arhente yokuNika iNgxelo yabaThengi, kunye noThutho lweNgxowa-mali ngeKhompyutha (uMmiselo E).
• I-Ofisi yoMlawuli weMali (i-OCC) kunye neBhodi ye-Federal Reserve (eUnited States): *Umgaqo CC (12 CFR iNxalenye ye-229, i-Expedited Funds Availability Act) Ibambe iMida kunye noMthetho woMfihlo weBhanki ye-SAR yeMithetho eyiMfihlo (31 U.S.C. § 5318(g)(g.)(2)(2)
• IziXeko zeNgxowa-mali yoXhotyiso lwezeziMali (iNgxowa-mali ye-CFE): IBhanki ngeMigangatho ye-Akhawunti yeSizwe yee-Akhawunti eziQinisekisiweyo zeThuba leSibini kunye neeAkhawunti zokuJonga i-Ovadrafti yasimahla.
• I-Arhente yoMthengi weMali waseKhanada (FCAC): Ukufikelela kwiMigaqo yeeNkonzo zeBhanki eziSisiseko (iCandelo loMthetho weBhanki 627.17).
• **IGunya lokuPhatha kweMali yase-UK (i-FCA), iNkonzo ye-Financial Ombudsman (FOS), kunye ne-Cifas **: IiMimiselo yeeAkhawunti zeeNtlawulo ze-2015 (ii-Akhawunti zeBhanki eziSiseko) kunye ne-Cifas National Fraud Database DSAR/IiNkqubo zeSibheno.