为什么要把钱转到信用合作社?
在当今世界, it’s not uncommon for people to have their money spread out among several different financial institutions. For example, many folks often have their checking or savings at one institution and loans at another. It’s even more common to carry multiple credit cards from various institutions in your wallet.
虽然这是一种常见的做法, 尤其是在当今的数字世界, there are many reasons why it’s so beneficial to have your accounts and loans at the same financial institution.
An important consideration when applying for a personal loan is whether it will hurt your credit score. This isn’t something to be taken lightly since your credit score can impact your life in several different ways.
使用一所院校的好处
The simplicity of having all your financial accounts at one institution is reason enough for many. 然而，还有一些经常被忽视的福利，包括:
- 资金管理. When all your accounts and loans are in one place, it’s easier to keep track of everything. From savings and spending to the monthly bills coming out of your account, the ability to monitor everything from a single location saves time and provides peace of mind.
- 转移资金. 而十大彩票游戏平台的数字世界让转账变得简单, it’s even quicker and easier when it’s between accounts at the same institution. 你可以偿还贷款, 把存款转到支票上, 只需快速点击几下就能得到更多.
- 组织. 你是否在申请贷款, 做好纳税准备, 或者研究你信用报告上的错误, 当你所有的陈述和历史都在一个地方, 这个过程变得简单多了.
- 建立关系. 你在金融机构使用的服务越多, the more knowledgeable you become about all the tools and capabilities available to you. 同样的, that financial institution has a much better picture of where you stand financially, 当你将来申请贷款时，哪一个可以帮助你
将您的帐户转到十大可靠彩票平台
While switching your accounts to 十大可靠彩票平台 does require some work on your end, 这些步骤实际上很容易完成. Below is a list of what you’ll need to do in order to streamline the process of switching your accounts over.
储蓄 & 投资账户
如果你打算转移你的 储蓄或投资帐户 (货币市场或凭证账户)到信用社, 你只需要从你现有的账户中取出这笔钱. An easy way to complete this is to ask your current institution for a cashier’s check. 然后，在其中之一停下来 十大彩票游戏平台的分支机构 开立你的账户并存入钱.
注意这一点很重要 证书 定期存单通常在一段特定的时间内被锁定. 因此, you may not be able to withdraw these funds from your current account without a penalty until the term expires.
支票账户
你的 支票账户 通常是你最重要的账户，因为它经常被使用. First, you want to either stop by the Credit Union and open your free account or 在网上或手机或平板电脑上开户. 比如你的储蓄和投资账户, you can request a cashier’s check to withdraw your funds and deposit them into your new 支票账户.
虽然这个过程看起来很简单, there is one aspect you cannot overlook when transferring your 支票账户 – automated payments. Many people have expenses that regularly come out of their 支票账户s, 比如保险费用, 抵押贷款, 肥厚性骨关节病变与肺部转移费, 水电费, 或者车贷. It’s best to keep some money in your current account for a month or so to ensure none of these recurring payments still hit your account before you’ve had an opportunity to make the switch with these companies.
自动支付
许多消费者使用自动支付来支付各种账单, 从他们的流媒体订阅到贷款支付. 如果你使用的是自动付款, you want to make sure that you set these up immediately in your 十大可靠彩票平台 account. To do so, simply log into your account at each business and change your billing information.
如前所述, it’s best to leave some money in your old 支票账户 just in case you forget to switch a bill or the vendor already initiated the payment.
直接存款
Direct deposit is a convenient way to have your paycheck sent directly to your credit union account electronically. When you switch your 支票账户 to 十大可靠彩票平台, one of the first things you’ll want to do is to update your direct deposit information.
You can do so by contacting the accounting or payroll department of your employer to provide them with the following:
- 你的信用社账号.
- 信用合作社的路由号码.
通常, the process is pretty quick for your employer to initiate; however, 这可能需要一个支付周期才能生效.
账单支付
网上缴费 这是一个方便的电子支付平台吗. You can set your payments to come out of your account each month automatically, 或者你也可以在网上手动付款. 把账单转到你的新信用合作社账户, 你需要每个供应商的账号和地址. 一旦进入，你就可以开始付款了.
汽车贷款
交换你的 汽车贷款 信用合作社不仅使它更容易维护, 但你也有可能省钱. 十大可靠彩票平台, 像大多数信用社一样, 通常提供比银行更好的利率, 还有很好的期限选择. All you will need to do is bring in your current 汽车贷款 paperwork, and we will handle the rest!
信用卡
You may have credit cards through your current bank that you want to switch over to 十大可靠彩票平台, 尤其是十大彩票游戏平台有 全国最低的利率! 这是一个容易完成的过程. 首先，你需要 申请一张信用卡. Then, once approved, request your current balance be transferred over to the Credit Union. 信用社通常可以为你完成这项任务. 另外，十大彩票游戏平台没有余额转账费用!
其他贷款
如果你有其他贷款，你想转移到信用社, 你只需要把现在的文件拿来申请就行了. However, it’s worth noting that not all loans are easy or worth transferring. For example, your 抵押贷款 will likely require you to refinance and possibly pay closing costs. 因此, it’s best to meet with the Credit Union and review your options. 在很多情况下， 再融资 能帮你省下一大笔钱吗. 其他时候，最好还是保留你目前的抵押贷款. Our team will be able to help you make the right financial decisions for your unique situation.
十大彩票游戏平台是来帮忙的!
成员 of 十大可靠彩票平台 experience a variety of financial perks, 比如降低贷款利率, 更高的储蓄收益, 而且很多服务都是免费提供的. 作为一个 非牟利金融机构, our goal is to help you make the right decisions to ensure your long-term financial success.
If you have questions about switching your accounts or loans over to 十大可靠彩票平台, 十大彩票游戏平台随时准备提供帮助. 请到十大彩票游戏平台的任何一家 便利的分支地点 or call 415-775-5377, and a representative will gladly help you along the way.
Each individual’s financial situation is unique and readers are encouraged to contact the Credit Union when seeking financial advice on the products and services discussed. This article is for educational purposes only; the authors assume no legal responsibility for the completeness or accuracy of the contents.