Tips to Save on a Good Banks
There used to be saying “smart bridge smart, thrifty rich base”. The easiest way to save is to save money. Saving is always evolving concepts from time to time, starting from the store at home, school savings, savings cooperatives, to savings in the bank.
Savings made to collect money to be used for use at a later time. whether to get something service, buying an item, reserve deposits for the future, or other purposes. With the savings, money that has not spent this time, but stored for later use. Challenges in saving the time usually is in the money collected was enough, comes the desire to be used and spent, sometimes forgetting the original purpose of saving money was in the early to start saving.
If the amount of savings we are not too large, the storage at home is quite appropriate pilian. However, if the amount stored has reached a certain value we think is prone to loss, it’s worth the savings transferred to the storage services of money. Service had been able to form cooperatives or banks. Cooperation with the bank the difference is if we save money on co-operatives, can get a commission of the remaining results of operations (SHU) cooperatives in the early years, for savings in banks, we receive a commission in the form of bank interest earned monthly.
Now how saving tips on optimal bank, so we do not lose money?
1. Check monthly fee or annual fee
For-profit institutions, the bank will attract administrative costs (usually monthly, but there is also a three-monthly). Expenses were used for the operation of the bank itself and storage services at the bank. Each bank provides monthly price varies depending on the facilities that we want / enjoy. Generally, biay aini ranging from 2500 to 15,000 per month.
2. Initial deposit check
To open a new savings account, the bank will set a minimum deposit rate. This deposit is a commitment from the client to keep the accounts at the bank. Initial deposit can not normally be taken in the first 1-2-3 months (each different bank)
3. Check the minimum balance
Most of the bank will ask its customers to have a minimum balance, if our balance is below the minimum balance, the bank will give the penalty by cutting our balance with a certain amount, usually amounting to Rp. 5000 to 10,000 per month. In some banks, if the minimum balance in a few months old (3-6 months, varies between banks), banks have the right to close customer accounts due to the unavailability of sufficient funds to be saved.
4. Check the minimum deposit
The bank will impose rules that allowed a minimum deposit. This possibility of effects on the efficiency of banking resources in serving its customers. Because for the amount of money large or small will take resources that are relatively similar.
5. Check the savings interest rate (or for the results) from the bank
What is the interest rate or for the results? Bank will provide such additional funds in our savings as an incentive from the storage of our money in the bank. Regular bank interest rates will apply the fix for approximately 1-4% per year from the balance we have. Whereas for Islamic banks, the incentives provided a percentage of the profits earned by the Islamic banks. These incentive varies depending on the amount of money we save. Typically, the more the amount of our savings, the greater the% incentives provided. This incentive will be automatically added to the balance of our savings, but also will direct the income tax cut for 15% of this incentive.
6. Print books most late savings every 2 (two) months
Print passbook is very useful to know all transactions are conducted outside the bank counters. Why is there a transaction that occurred outside a bank counter? because banks now offer ATM cards that serves one of them is taking money from an ATM machine. Apart from taking money from an ATM can be transferred to other accounts, payment services from the operator, the contents pulse HP, lohat balance, etc.. ATM cards can also be used as a debit to kareti shop at certain stores. Print passbook is required for verification of data, whether in print with what we do at the ATM recorded correctly. If there is a strange transaction, can be reported immediately. If we print the book> 3 (three) months, some banks will collect debit and credit transactions we become one, so that we can not know the details of bank transactions. If tetep want to know the details of the transaction, may request a checking account to the bank’s Customer Service. Some banks charge a fee to print the Current Account.
7. Be careful with the ATM card we have
ATM card is the key to the door to go into our account. ATM card needed Personal Identity Number (PIN) which should not be shared with others. Since the ATM card is our money too, so be careful in transaction using an ATM card to debit the account when shopping. Ensure that our groceries and the number printed on the printout is the same machine large friction. Do not forget also to ask for our ATM card again after the transaction. If our ATM card at ATM machine swallowed, can read the following tips.
8. Keep a minimum balance you always
As already reviewed above, the bank will offer incentives to customers, but banks will also withdraw money from the monthly contributions of our savings. So we as bank customers have to jelly, not to happen incentives received are lower than administrative costs that must be paid. If this happens, then our money in the bank instead of getting even less.
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