Cheki chakafanana Icho chinomiririrwa nechiridzwa chechikwereti icho chine vimbiso yekubhadhara pameso uone iyo mari yakaratidzirwa. Mukuita, izvi ndezve macheki ayo mabhangi anoburitsa pamberi pekubhadhara uye kuti vanosungirwa kuvabhadhara pavanoona pavanounzwa. Kuburitswa kwecheki yakafananidzirwa kunofungidzira kuwanikwa kwekutanga kwemari yakaratidzirwa, kureva kuti, mari yakachengetwa inodarika bhangi rinoburitsa, inova iyo inobhadhara iyo mari.
Zvirokwazvo kupfuura mumwe anofanira kufunga kuti a cheki kubhengi uye cheki yakafananidzwa, asi dambudziko nderekuti haina kusiyaniswa pakati peimwe neicho, saka zvinokonzeresa nyonganiso. Nekudaro, ivo vakasiyana kwazvo, uye mhedzisiro yekusarudza imwe kana imwe inogona kuve neshanduko inoshamisa. Saka mubvunzo usati waita sarudzo yekuti ndeupi waunoshandisa unoita zvine musoro.
Iyo yakaenderana cheki Iko cheki yakajairwa, iyo chaiyo cheki kubva kuaccount account, iyo mhando ine cheki bhuku. Chinoita kuti chive chakakosha chikamu chekuteerera icho chakataurwa kumashure icho chakataura chikamu mumabhangi marekodhi kuti pane zviyero muaccount, zvichichengeta kuti vabhadharwe vachipesana neicho cheki. Izvo zvinowanzoitika ndezvekuti, kana ivo vakakumbira kuti cheki ienzaniswe, unofanira kuzviratidza kubhanga, ubudise cheki, kuti vachengete mari muaccount uye voisimbisa sezvatataura, kuitira kuti mari irege kurongeka kune zvimwe zvinangwa.
Pane kudaro, cheki yekubhangi yakasiyana. Cheki inoburitswa nebhangi pachayo, saka mutengi haafanirwe kuve necheki bhuku. Uye haufanire kunge uine account neiri kuburitsa bhengi. Zvimwe zvinopesana nemari kana kupokana nemari yakaiswa muaccount, bhangi rinoburitsa cheki maringe nemaakaundi ako emukati. Anopa cheki ibhangi pacharo, iro rinosungirwa kubhadhara.
Chokwadi unoshamisika kana iwe usina kuvimbiswa nezvose zviri zviviri kuchaja fomura. Mhinduro yacho kwete, kwete nenzira imwecheteyo. Izvi zvinokonzerwa nenyaya yekuti cheki yakaitwa inochengeta mari kubva kwatiri chete kwenguva inoratidzwa mundima, inowanzo kuve mazuva gumi nemashanu. Mushure mezuva iro, unogona kuedza kutora, asi haisi vimbiso. Uyezve, kuchengetwa kwakadai paaccount hakugone kupesana nekushongedzwa kana kubhuroka, ndosaka isu tinga sangana nemacheki asina kubhadharwa.
Cheki chebhangi haina nguva yekupedzisira kunyanya mukuti garandi inoshanda, izvi imhaka yekuti vimbiso yacho yakavakirwa pakuva nenyaya yakananga nebhangi chairo. Kana mutemo wecheki ukachengetedzwa, macheki ese emabhangi, angave akaumbwa kana kwete, anofanirwa kuunzwa kuti abhadharwe mari yose mukati memazuva gumi nemashanu mushure mekuburitswa kwavo, asi izvi hazvireve chimwe chinhu.kuti kana izvi zvisina kuitwa , mamwe mabhenefiti ezvekutonga anogona kurasika muchiitiko chekusabhadhara.
Zviri pachena kuti mune nyaya ye mabhangi anotarisa njodzi iyi haina basa nanhasi, ndosaka zvisiri zvakajairika kuwana cheki yemabhangi inogona kutora kusvika kumwedzi mitatu kuti ibude. Neichi chikonzero uye ndichifunga kuti mutengo unowanzo fanika, ndinotenda kuti cheki yebhangi yakanyatso kumisikidzwa, kune chengetedzo yakajairika, yepasirese kuwedzera kune kwayo kunoshamisa nyore
Iyo yakaenderana cheki Izvo zvakasiyana neicho chebhangi cheki zvakare mune zvimwe zvinhu, senge, mune cheki, iyo bhangi inosungirwa kubhadhara mari yakaratidzirwa mugwaro uye nekuda kweichi mutakuri cheki ane chokwadi cheicho cheicho bhanga richapindura uye robhadhara iyo mari inoratidzwa mumusoro chete kana yafukidzwa. Ndokunge, chete kana paine mari muaccount yemutengi iyo yanga iri iyo inopa cheki. Nepo cheki yebhangi ichiita njodzi yekupihwa pasina mari, kune rimwe divi, macheki akaenzana haasi munjodzi.
Mamiriro ezvinhu kuti cheki ive yakasimbiswa
Kune mamwe mamiriro ekusimbiswa kweakafananidzwa cheki kuti iitwe. Tinovatsanangurira pazasi:
- Kuti pane chinoratidza kuti iyo yakaratidzwa mari ichabhadharwa pane zvinodiwa.
- Kuti inoiswa mumusoro wesangano reakafananidzwa kana inogona zvakare kuve mune iyo vhiza kana chitupa.
- Nezita remuridzi werekodhi, izvi imhaka yekuti, sezvo iri chengetedzo yekuodha, haigone kupihwa nemubati.
- Kuti ivo vakaratidza zuva nenzvimbo iyo musoro wakapihwa.
- Kuti yakasainwa nebhangi iyo yakaburitsa cheki.
Iyo mharidzo yeakafanana cheki Inofanira kunge iri mukati menguva ingangoita mazuva gumi nemashanu kubva panguva payakapihwa nebhangi kana mukati mematemu akambotaridzwa zvichienderana nenzvimbo yakapihwa cheki. Pasina kupokana, cheki iyi ndiyo imwe yenzira dzekubhadhara dzinonyanya kushandiswa pasi rese. Cheki hachishandisirwe chete kubhadhara zvinhu zvakatengwa muzvitoro, asi zvakare inoshandiswa nekambani kuti ikwanise kubhadhara vanoipa kana mushandi akamboshanda se freelancer, pakati pedzimwe nyaya.
Zvakare kutaura, cheki igwaro kana a kubhadhara kurongeka kuti zvakanyorwa izvo zvinopa simba kumunhu waanopihwa, kuti akwanise kutora chitsama chemari mumari uye kuti inoiswa muaccount yebhangi iyo inowanzoenderana nemunhu kana kambani inobhadhara, ndiko kuti , anosaina cheki anozove neakaundi kubhengi mubhangi iro rinogona kuburitsa cheki iri mubvunzo.
Mune yakawanda uye senzira yakanaka yekubhadhara yakakurumbira, tinogona kuwana mhando dzakasiyana dzemacheki, cheki iri imwe yeakawanda.
El yakaenderana cheki Iyo ndiyo mhando cheki iyo iyo bhangi kana yezvemari institution iri iyo iyo inofanirwa kuibhadhara, iye munhu anofanirwa kuve anoona nezve kuunganidza izvo anovimbiswa kuti achazokwanisa kuzviita zvinoenderana nekuti iye munhu anomupa iye cheki iyoyo inogona kunge iine mari yakakwana yekusangana nemubhadharo uyu. Mune mamwe mazwi, pamwe cheki yakaitwa, panogona kuve pasina kupokana kumunhu anoigamuchira kuti mari ichaunzwa yakafanana neiya inoratidzwa kubhadhara.
Izvi zvinoreva kuti kune iyo yakagadziriswa cheki inozivikanwa uye inoshanda Saka nekudaro, masangano emari anoaburitsa achafanirwa kuisa mugwaro rekubhadhara chikamu kana ngano inotsanangura chibvumirano, chitupa, pakati pezvakawanda, kuwedzera siginecha.
kune imwezve nyaya yakasungirirwa kune iyo kupihwa kwerudzi urwu cheki kunyanya uye ndeyekuti bhangi rinowanzo bvisa muakaundi yemutengi iyo mari yaanofanira kubhadhara achishandisa cheki yakaitwa. Izvi zvinoona kuti mari dzinowanikwa chero nenzira. Izvo zvinofanirwa kucherechedzwa kuti bhangi rakaburitsa iro rave kuda kuburitsa mhando iyi cheki richachaja mutengi wayo sekomisheni.
Sechikonzero chechikonzero checheki chambotaurwa ndechekuti kuunganidzwa kwavo kunovimbiswa pasina kusahadzika, kune vazhinji vakweretesi vanovamhan'arira kuti vaone kuti vagowana mubhadharo wavakapihwa. Iyo yakaenderana cheki Icho mhando cheki inozivikanwa neicho icho chinopa vimbiso yekubhadhara. Nenzira iyi, munhu anenge agamuchira rimwe remagwaro aya anenge aine chivimbo chizere chekuti mukati megore rimwe zuva vanozokwanisa kutora mari inoenderana navo uye kunzvenga chero dambudziko rakanangana naro.
Akagadziriswa macheki ndeimwe yemasiyano anotendera mune ino kesi kuve nechivimbiso maererano nekutora gwaro. Izvi zvirimo mune kesi cheyakajairwa cheki iyo inopihwa mukana wekubhadharwa uye ichave inoenderana nekuti kune mari mubhengi account kana kwete, chokwadi ichi chinogona kutungamira kune hunyengeri kana matambudziko ekuti usabhadhare wakakodzera kushayikwa kwechinguva kwemari.
Sezvaunogona kufungidzira, cheki yerudzi urwu ine huwandu hwakawanda hwezvakanakira kune mamwe mamiriro, umo iko kuunganidzwa kwemari kuri kusahadzika. Nenzira iyi, inogona kutsiva kushaya chivimbo mumunhu ari kupa cheki kana kutya kusabhadharwa kwemari yakawanda, ndosaka mhinduro inogutsa ichipihwa mune izvi. Saka cheki yakafananidzwa inogona zvakare kunzwisiswa sevimbiso.