Malo opanda mali: kodi cheke ndi chiyani?

Njira imodzi yowerengera ndi chekeni cha cashier. Ndilo lamulo lolipira kulimbitsa ufulu wa mwini wake kulandira kuchuluka kwa ndalama mu banki. Bukuli limaperekedwa ndi banki kudzera mu bukhu lapadera, pepala lililonse limene liri ndi chikalata chodziyimira.

Kuti mumvetsetse chomwe cheke chiri, muyenera kuchiwona kamodzi. Kwa chitetezo ichi , minda yoyenera ndi:

• Dzina "fufuzani";
• Ndalama zomwe banki iyenera kupereka kwa wonyamula;
• Dzina la kabati ndi nambala ya akaunti yomwe ili pomwe ndalama idzaperekedwa;
• Kusindikiza kwa munthu yemwe akupereka dongosolo la kulipira;
• Malo ndi tsiku la kupanga.

Koma sikokwanira kuti mumvetsetse kuti cheke ndi chiyani, muyenera kudziwa malamulo oti mudzaze. Chilembochi nthawi zonse chimadzazidwa ndi dzanja, ndi chida cha buluu. Chokhacho chingakhale dzina la bungwe lopereka. Kumalo ano, mukhoza kuika timu ndi dzina. Kulakwitsa kulikonse, kulakwitsa kapena kukonza kumapangitsa kuti cheke chisawonongeke: banki sichivomereza. Deta zonse zofunika ziyenera kulowetsedwa mwakhama m'malo omwe zasungidwa kwa iwo, zolemba pamanja ziyenera kukhala zovomerezeka. Ogwira ntchito sayenera kukhala ndi mavuto poyesera kusokoneza tsatanetsatane wa dongosolo la kulipira.

Kuonjezera apo, chikalata ichi chikulongosola tsiku la kutulutsidwa, ndipo pofuna kupewa kusinthika, ziyenera kukhala ndi ma firimu awiri, mwachitsanzo, pa April 04. Onse omwe akusowa kufunika kudzaza chitetezo ichi ndikuwona chekeni, dziwani kuti ziyenera kufotokoza malo a malipiro: m'ndandanda iyi, kukhazikika kumene wogwirizira akaunti akulowetsa.

Ndalama zomwe zimaperekedwa zimalowa m'mawu opanda zizindikiro zogawanitsa, kopecks zalembedwa muzithunzi, dzina la ndalama zowonetsera zimaperekedwa kwathunthu, popanda zidule. Ngati pangakhale malo kumapeto kwa mzere, ndiye kuti uyenera kutuluka ndi mizere iwiri yotalika. Tiyenera kuzindikira kuti mu banki iliyonse muli malire pa malipiro ambiri.

Dzina, dzina ndi mbiri ya wolandirayo zikugwirizana ndi vuto lachidziwitso, malo otsalawo amadzazidwa ndi dash iwiri. Ikani chikwangwani pamapepalayi ndifunikira pamalo omaliza. Musati muike pangozi ndi kulemba chikalata cholipira chosakwaniritsidwe, chifukwa ngati mutagwera m'manja mwa munthu wosadziwika yemwe amadziwa kuti cheke ndi chiyani, mudzatha kutaya ndalama zambiri mu akaunti yanu.

Inde, ambiri amapanga zolakwika pamene choyamba kudzaza chikalata ichi, kusokoneza masoka oyenera ndi kulakwitsa. Koma kugwira ntchito mobwerezabwereza nthawi zambiri sikumayambitsa mavuto alionse.

Ngati mwiniwake wa cheketi akufunikira kudziwa momwe mungakwaniritsire bwino mapepala ake onse, ndiye kuti wogwira ntchitoyo ayenera kudziwa ndalama. Kuti mupeze ndalama zokwanira, nkofunika kuzipereka ku banki pasanathe masiku khumi mutatha pepala la malipiroli, mutapereka zikalata zake. Mwa njira, mutha kulandira ndalama zonse zomwe zikuwonetsedwa mu cheke, simungathe kuzichotsa.