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<style>.tdi_20{display:inline-block}.tdi_20 .tdb-mobile-menu-button i{font-size:27px;width:54px;height:54px;line-height:54px}.tdi_20 .tdb-mobile-menu-button svg{width:27px}.tdi_20 .tdb-mobile-menu-button .tdb-mobile-menu-icon-svg{width:54px;height:54px}.tdi_20 .tdb-mobile-menu-button{color:#ffffff}.tdi_20 .tdb-mobile-menu-button svg,.tdi_20 .tdb-mobile-menu-button svg *{fill:#ffffff}.tdi_20 .tdb-mobile-menu-button:hover{color:#ededed}.tdi_20 .tdb-mobile-menu-button:hover svg,.tdi_20 .tdb-mobile-menu-button:hover svg *{fill:#ededed}@media (max-width:767px){.tdi_20 .tdb-mobile-menu-button i{font-size:25px;width:50px;height:50px;line-height:50px}.tdi_20 .tdb-mobile-menu-button svg{width:25px}.tdi_20 .tdb-mobile-menu-button .tdb-mobile-menu-icon-svg{width:50px;height:50px}}</style><div class="tdb-block-inner td-fix-index"><span class="tdb-mobile-menu-button"><i class="tdb-mobile-menu-icon td-icon-mobile"></i></span></div></div> <!-- ./block --></div></div><div class="vc_column tdi_22  wpb_column vc_column_container tdc-column td-pb-span6">
<style scoped>.tdi_22{vertical-align:baseline}.tdi_22>.wpb_wrapper,.tdi_22>.wpb_wrapper>.tdc-elements{display:block}.tdi_22>.wpb_wrapper>.tdc-elements{width:100%}.tdi_22>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_22>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_22{width:80%!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_logo tdi_23 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_23" >
<style>.tdi_23 .tdb-logo-a,.tdi_23 h1{flex-direction:row;align-items:center;justify-content:center}.tdi_23 .tdb-logo-svg-wrap{display:block}.tdi_23 .tdb-logo-svg-wrap+.tdb-logo-img-wrap{display:none}.tdi_23 .tdb-logo-img-wrap{display:block}.tdi_23 .tdb-logo-text-tagline{margin-top:2px;margin-left:0;display:block}.tdi_23 .tdb-logo-text-title{display:block;color:#ffffff;font-size:40px!important;letter-spacing:-2px!important;}.tdi_23 .tdb-logo-text-wrap{flex-direction:column;align-items:flex-start}.tdi_23 .tdb-logo-icon{top:0px;display:block}.tdi_23 .tdb-logo-a:hover .tdb-logo-text-title{color:#eaeaea;background:none;-webkit-text-fill-color:initial;background-position:center center}@media (min-width:1019px) and (max-width:1140px){.tdi_23 .tdb-logo-text-title{font-size:33px!important;}}@media (min-width:768px) and (max-width:1018px){.tdi_23 .tdb-logo-text-title{font-size:28px!important;letter-spacing:-3px!important;}}@media (max-width:767px){.tdi_23 .tdb-logo-text-title{font-size:28px!important;}}</style><div class="tdb-block-inner td-fix-index"><a class="tdb-logo-a" href="https://financesnewsonline.com/"><span class="tdb-logo-text-wrap"><span class="tdb-logo-text-title">𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬 𝐍𝐞𝐰𝐬 𝐎𝐧𝐥𝐢𝐧𝐞</span></span></a></div></div> <!-- ./block --></div></div><div class="vc_column tdi_25  wpb_column vc_column_container tdc-column td-pb-span3">
<style scoped>.tdi_25{vertical-align:baseline}.tdi_25>.wpb_wrapper,.tdi_25>.wpb_wrapper>.tdc-elements{display:block}.tdi_25>.wpb_wrapper>.tdc-elements{width:100%}.tdi_25>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_25>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_25{width:10%!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_mobile_search tdi_26 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_26" >
<style>.tdi_26{display:inline-block}.tdi_26 .tdb-header-search-button-mob i{font-size:22px;width:55px;height:55px;line-height:55px}.tdi_26 .tdb-header-search-button-mob svg{width:22px}.tdi_26 .tdb-header-search-button-mob .tdb-mobile-search-icon-svg{width:55px;height:55px;display:flex;justify-content:center}.tdi_26 .tdb-header-search-button-mob{color:#ffffff}.tdi_26 .tdb-header-search-button-mob svg,.tdi_26 .tdb-header-search-button-mob svg *{fill:#ffffff}.tdi_26 .tdb-header-search-button-mob:hover{color:#f2f2f2}@media (max-width:767px){.tdi_26 .tdb-header-search-button-mob i{font-size:20px;width:50px;height:50px;line-height:50px}.tdi_26 .tdb-header-search-button-mob svg{width:20px}.tdi_26 .tdb-header-search-button-mob .tdb-mobile-search-icon-svg{width:50px;height:50px;display:flex;justify-content:center}}</style><div class="tdb-block-inner td-fix-index"><span class="tdb-header-search-button-mob dropdown-toggle" data-toggle="dropdown"><i class="tdb-mobile-search-icon td-icon-search"></i></span></div></div> <!-- ./block --></div></div></div></div></div></div>                    </div>

                
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<style scoped>.tdi_28{min-height:0}.td-header-desktop-wrap{position:relative}</style><div id="tdi_29" class="tdc-row stretch_row_1200 td-stretch-content"><div class="vc_row tdi_30  wpb_row td-pb-row tdc-element-style" >
<style scoped>.tdi_30,.tdi_30 .tdc-columns{min-height:0}.tdi_30,.tdi_30 .tdc-columns{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_30 .tdc-columns{width:100%}.tdi_30:before,.tdi_30:after{display:none}.tdi_30{padding-top:5px!important;padding-bottom:5px!important;position:relative}.tdi_30 .td_block_wrap{text-align:left}</style>
<div class="tdi_29_rand_style td-element-style" ><style>.tdi_29_rand_style{background-color:#005689!important}</style></div><div class="vc_column tdi_32  wpb_column vc_column_container tdc-column tdc-restr-display-none td-pb-span3">
<style scoped>.tdi_32{vertical-align:baseline}.tdi_32>.wpb_wrapper,.tdi_32>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_32>.wpb_wrapper>.tdc-elements{width:100%}.tdi_32>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_32>.wpb_wrapper{width:100%;height:100%}.tdi_32{width:30%!important}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_date tdi_33 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_33" >
<style>.tdb_header_date{margin-bottom:0;clear:none}.tdb_header_date .tdb-block-inner{display:flex;align-items:baseline}.tdb_header_date .tdb-head-date-txt{font-family:var(--td_default_google_font_1,'Open Sans','Open Sans Regular',sans-serif);font-size:11px;line-height:1;color:#000}.tdi_33{display:inline-block}.tdi_33 .tdb-head-date-txt{color:#ffffff;font-size:15px!important;font-weight:600!important}@media (min-width:1019px) and (max-width:1140px){.tdi_33 .tdb-head-date-txt{font-size:14px!important}}@media (min-width:768px) and (max-width:1018px){.tdi_33 .tdb-head-date-txt{font-size:11px!important}}</style><div class="tdb-block-inner td-fix-index"><div class="tdb-head-date-txt">Wednesday, September 30, 2026</div></div></div> <!-- ./block --></div></div><div class="vc_column tdi_35  wpb_column vc_column_container tdc-column tdc-restr-display-none td-pb-span3">
<style scoped>.tdi_35{vertical-align:baseline}.tdi_35>.wpb_wrapper,.tdi_35>.wpb_wrapper>.tdc-elements{display:block}.tdi_35>.wpb_wrapper>.tdc-elements{width:100%}.tdi_35>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_35>.wpb_wrapper{width:auto;height:auto}.tdi_35{width:40%!important}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_logo tdi_36 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_36" >
<style>.tdi_36 .tdb-logo-a,.tdi_36 h1{flex-direction:row;align-items:center;justify-content:center}.tdi_36 .tdb-logo-svg-wrap{display:block}.tdi_36 .tdb-logo-svg-wrap+.tdb-logo-img-wrap{display:none}.tdi_36 .tdb-logo-img-wrap{display:block}.tdi_36 .tdb-logo-text-tagline{margin-top:2px;margin-left:0;display:block}.tdi_36 .tdb-logo-text-title{display:block;color:#ffffff;font-size:43px!important;letter-spacing:-2px!important;}.tdi_36 .tdb-logo-text-wrap{flex-direction:column;align-items:flex-start}.tdi_36 .tdb-logo-icon{top:0px;display:block}.tdi_36 .tdb-logo-a:hover .tdb-logo-text-title{color:#eaeaea;background:none;-webkit-text-fill-color:initial;background-position:center center}@media (min-width:768px) and (max-width:1018px){.tdi_36 .tdb-logo-text-title{font-size:30px!important;}}</style><div class="tdb-block-inner td-fix-index"><a class="tdb-logo-a" href="https://financesnewsonline.com/"><span class="tdb-logo-text-wrap"><span class="tdb-logo-text-title">𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬 𝐍𝐞𝐰𝐬 𝐎𝐧𝐥𝐢𝐧𝐞</span></span></a></div></div> <!-- ./block --></div></div><div class="vc_column tdi_38  wpb_column vc_column_container tdc-column td-pb-span6">
<style scoped>.tdi_38{vertical-align:baseline}.tdi_38>.wpb_wrapper,.tdi_38>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-end;align-items:flex-end}.tdi_38>.wpb_wrapper>.tdc-elements{width:100%}.tdi_38>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_38>.wpb_wrapper{width:100%;height:100%}.tdi_38{width:30%!important}@media(min-width:1141px){.tdi_38{display:inline-block!important}}</style><div class="wpb_wrapper" ><div class="tdm_block td_block_wrap tdm_block_socials tdi_39 tdm-content-horiz-left td-pb-border-top td_block_template_1"  data-td-block-uid="tdi_39" >
<style>.tdi_39{margin-right:10px!important;margin-bottom:10px!important;padding-top:-!important}</style>
<style>.tdm_block.tdm_block_socials{margin-bottom:0}.tdm-social-wrapper{*zoom:1}.tdm-social-wrapper:before,.tdm-social-wrapper:after{display:table;content:'';line-height:0}.tdm-social-wrapper:after{clear:both}.tdm-social-item-wrap{display:inline-block}.tdm-social-item{position:relative;display:inline-block;vertical-align:middle;-webkit-transition:all 0.2s;transition:all 0.2s;text-align:center;-webkit-transform:translateZ(0);transform:translateZ(0)}.tdm-social-item i{font-size:14px;color:var(--td_theme_color,#4db2ec);-webkit-transition:all 0.2s;transition:all 0.2s}.tdm-social-text{display:none;margin-top:-1px;vertical-align:middle;font-size:13px;color:var(--td_theme_color,#4db2ec);-webkit-transition:all 0.2s;transition:all 0.2s}.tdm-social-item-wrap:hover i,.tdm-social-item-wrap:hover .tdm-social-text{color:#000}.tdm-social-item-wrap:last-child .tdm-social-text{margin-right:0!important}</style>
<style>.tdi_40 .tdm-social-item i{font-size:13px;vertical-align:middle;line-height:19.5px}.tdi_40 .tdm-social-item i.td-icon-linkedin,.tdi_40 .tdm-social-item i.td-icon-pinterest,.tdi_40 .tdm-social-item i.td-icon-blogger,.tdi_40 .tdm-social-item i.td-icon-vimeo{font-size:10.4px}.tdi_40 .tdm-social-item{width:19.5px;height:19.5px;margin:5px 10px 5px 0}.tdi_40 .tdm-social-item-wrap:last-child .tdm-social-item{margin-right:0!important}.tdi_40 .tdm-social-item i,.tds-team-member2 .tdi_40.tds-social1 .tdm-social-item i{color:#ffffff}.tdi_40 .tdm-social-item-wrap:hover i,.tds-team-member2 .tdi_40.tds-social1 .tdm-social-item:hover i{color:#4db2ec}.tdi_40 .tdm-social-text{display:none;margin-left:2px;margin-right:18px;color:#ffffff;font-family:Merriweather Sans!important;font-size:12px!important}.tdi_40 .tdm-social-item-wrap:hover .tdm-social-text{color:#4db2ec}@media (min-width:768px) and (max-width:1018px){.tdi_40 .tdm-social-item i{font-size:11px;vertical-align:middle;line-height:16.5px}.tdi_40 .tdm-social-item i.td-icon-linkedin,.tdi_40 .tdm-social-item i.td-icon-pinterest,.tdi_40 .tdm-social-item i.td-icon-blogger,.tdi_40 .tdm-social-item i.td-icon-vimeo{font-size:8.8px}.tdi_40 .tdm-social-item{width:16.5px;height:16.5px}.tdi_40 .tdm-social-text{font-size:11px!important}}</style><div class="tdm-social-wrapper tds-social1 tdi_40"><div class="tdm-social-item-wrap"><a href="#"  title="Facebook" class="tdm-social-item"><i class="td-icon-font td-icon-facebook"></i><span style="display: none">Facebook</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Instagram" class="tdm-social-item"><i class="td-icon-font td-icon-instagram"></i><span style="display: none">Instagram</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Linkedin" class="tdm-social-item"><i class="td-icon-font td-icon-linkedin"></i><span style="display: none">Linkedin</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Twitter" class="tdm-social-item"><i class="td-icon-font td-icon-twitter"></i><span style="display: none">Twitter</span></a></div></div></div><div class="td_block_wrap tdb_header_search tdi_41 tdb-header-search-trigger-enabled td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_41" >
<style>.tdi_41{justify-content:flex-end!important;text-align:right!important}</style>
<style>.tdb_module_header{width:100%;padding-bottom:0}.tdb_module_header .td-module-container{display:flex;flex-direction:column;position:relative}.tdb_module_header .td-module-container:before{content:'';position:absolute;bottom:0;left:0;width:100%;height:1px}.tdb_module_header .td-image-wrap{display:block;position:relative;padding-bottom:70%}.tdb_module_header .td-image-container{position:relative;width:100%;flex:0 0 auto}.tdb_module_header .td-module-thumb{margin-bottom:0}.tdb_module_header .td-module-meta-info{width:100%;margin-bottom:0;padding:7px 0 0 0;z-index:1;border:0 solid #eaeaea;min-height:0}.tdb_module_header .entry-title{margin:0;font-size:13px;font-weight:500;line-height:18px}.tdb_module_header .td-post-author-name,.tdb_module_header .td-post-date,.tdb_module_header .td-module-comments{vertical-align:text-top}.tdb_module_header .td-post-author-name,.tdb_module_header .td-post-date{top:3px}.tdb_module_header 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aria-label="Buscar"><span>Buscar</span></button></div></form><div class="tdb-aj-search"></div></div></div><a href="#" role="button" aria-label="Buscar" class="tdb-head-search-btn dropdown-toggle" data-toggle="dropdown"><i class="tdb-search-icon td-icon-search"></i></a></div></div> <!-- ./block --></div></div></div></div><div id="tdi_42" class="tdc-row stretch_row_1400 td-stretch-content"><div class="vc_row tdi_43  wpb_row td-pb-row tdc-element-style" >
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<style>.tdb_title{margin-bottom:19px}.tdb_title.tdb-content-horiz-center{text-align:center}.tdb_title.tdb-content-horiz-center .tdb-title-line{margin:0 auto}.tdb_title.tdb-content-horiz-right{text-align:right}.tdb_title.tdb-content-horiz-right .tdb-title-line{margin-left:auto;margin-right:0}.tdb-title-text{display:inline-block;position:relative;margin:0;word-wrap:break-word;font-size:30px;line-height:38px;font-weight:700}.tdb-first-letter{position:absolute;-webkit-user-select:none;user-select:none;pointer-events:none;text-transform:uppercase;color:rgba(0,0,0,0.08);font-size:6em;font-weight:300;top:50%;-webkit-transform:translateY(-50%);transform:translateY(-50%);left:-0.36em;z-index:-1;-webkit-text-fill-color:initial}.tdb-title-line{display:none;position:relative}.tdb-title-line:after{content:'';width:100%;position:absolute;background-color:var(--td_theme_color,#4db2ec);top:0;left:0;margin:auto}.tdb-single-title .tdb-title-text{font-size:41px;line-height:50px;font-weight:400}.tdi_69 .tdb-title-text{color:#000000;font-family:Merriweather Sans!important;font-size:35px!important;line-height:1.4!important;font-weight:700!important}.tdi_69 .tdb-add-text{color:#000000;font-family:Merriweather Sans!important}.tdi_69 .tdb-title-line:after{height:2px;bottom:40%;background:#000000}.tdi_69 .tdb-title-line{height:50px}.td-theme-wrap .tdi_69{text-align:left}.tdi_69 .tdb-first-letter{left:-0.36em;right:auto;font-family:Merriweather Sans!important}@media (min-width:768px) and (max-width:1018px){.tdi_69 .tdb-title-text{font-size:27px!important}}@media (max-width:767px){.tdi_69 .tdb-title-text{font-size:25px!important}}</style><div class="tdb-block-inner td-fix-index"><h1 class="tdb-title-text">Cómo abrir una cuenta bancaria</h1><div></div><div class="tdb-title-line"></div></div></div><div class="td_block_wrap tdb_single_featured_image tdi_70 tdb-content-horiz-left td-pb-border-top td_block_template_1"  data-td-block-uid="tdi_70" >
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<style>.tdb-post-meta{margin-bottom:16px;color:#444;font-family:var(--td_default_google_font_1,'Open Sans','Open Sans Regular',sans-serif);font-size:11px;font-weight:400;clear:none;vertical-align:middle;line-height:1}.tdb-post-meta span,.tdb-post-meta i,.tdb-post-meta time{vertical-align:middle}.tdb_single_author{line-height:30px}.tdb_single_author a{vertical-align:middle}.tdb_single_author .tdb-block-inner{display:flex;align-items:center}.tdb_single_author .tdb-author-name-wrap{display:flex}.tdb_single_author .tdb-author-name{font-weight:700;margin-right:3px}.tdb_single_author .tdb-author-by{margin-right:3px}.tdb_single_author .tdb-author-photo img{display:block}.tdi_75 .tdb-author-name-wrap{align-items:baseline}.tdi_75 .tdb-author-by{margin-right:5px;color:#000000;font-family:Merriweather Sans!important;font-size:14px!important;font-weight:400!important}.tdi_75 .avatar{width:20px;height:20px;margin-right:6px;border-radius:50%}.tdi_75 .tdb-author-name{color:#000000;font-family:Merriweather Sans!important;font-size:14px!important;font-weight:700!important}.tdi_75 .tdb-author-name:hover{color:#4db2ec}@media (min-width:768px) and (max-width:1018px){.tdi_75 .tdb-author-by{font-size:12px!important}.tdi_75 .tdb-author-name{font-size:12px!important}}</style><div class="tdb-block-inner td-fix-index"><a class="tdb-author-photo"  href="https://financesnewsonline.com/author/main-author" title="Finances News Online"><img alt='Finances News Online' src='https://secure.gravatar.com/avatar/4c9b3f6224087165a1643dd2df64db658fb64a80eff02f48a105d68eadf4737e?s=96&#038;d=mm&#038;r=g' srcset='https://secure.gravatar.com/avatar/4c9b3f6224087165a1643dd2df64db658fb64a80eff02f48a105d68eadf4737e?s=192&#038;d=mm&#038;r=g 2x' class='avatar avatar-96 photo' height='96' width='96' loading='lazy' decoding='async'/></a><div class="tdb-author-name-wrap"><span class="tdb-author-by">Por</span> <a class="tdb-author-name" href="https://financesnewsonline.com/author/main-author">Finances News Online</a></div></div></div><div class="td_block_wrap tdb_single_date tdi_76 td-pb-border-top td_block_template_1 tdb-post-meta"  data-td-block-uid="tdi_76" >
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<p>Tener una cuenta bancaria facilita el cuidado de las tareas cotidianas, como abonar facturas, depositar cheques de cuota o evitar peculio.</p>
<p>Ya sea que esté abriendo su primera cuenta o cambiando los bancos, el proceso es relativamente simple. Lo guiaremos a través de los pasos para inaugurar una cuenta bancaria y los factores a considerar al nominar una institución financiera.</p>
<div id="block_b1ad2df020ad0c84a33c04ae36179a44" class="key-takeaways sm:border-l-4 border-(var(--accent)) sm:pl-8 my-8 relative" style="--accent: var(--color-blue-medium)">
    <!-- htmlmin:ignore --></p>
<h2 class="heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4">
    <span class="shrink-0">Control de presa</span><br />
        <span class="max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(var(--accent)) max-sm:rounded-full max-sm:block"></span><br />
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<ul class="flex flex-col text-gray-700 mb-0 gap-2 list-none">
<li class="pl-4 relative before:content-('•') before:right-full before:absolute before:text-(var(--accent))">
<p>                                                            Para inaugurar una cuenta bancaria, necesitará documentos básicos para probar su identidad y dónde vive.
                                                </li>
<li class="pl-4 relative before:content-('•') before:right-full before:absolute before:text-(var(--accent))">
<p>                                                            Antiguamente de arriesgarse dónde inaugurar una cuenta bancaria, determine el tipo de cuenta y la institución que mejor satisfará sus micción bancarias.
                                                </li>
<li class="pl-4 relative before:content-('•') before:right-full before:absolute before:text-(var(--accent))">
<p>                                                            Muchos bancos y cooperativas de crédito le permiten completar una solicitud en persona en una sucursal o en cuerda.
                                                </li>
</ul>
</div>
<h2 data-beam-element-viewed="" data-id="br-h2-second-onpage-placement" data-type="h2" data-location="Banking" data-position="h2_second_placement" data-name="h2_second_placement" data-text="How to open a bank account" data-outcome=""><strong>Lo que necesita para inaugurar una cuenta bancaria</strong></h2>
<p>Cuando abre una cuenta bancaria, el cárcel le pedirá que complete una solicitud. Ya sea que esté solicitando una cuenta en cuerda o interiormente de una sucursal, necesitará:</p>
<ul>
<li>
<strong>Identificación emitida por el gobierno</strong>: Necesitará una identificación de foto válida, como una osadía de conducir, ID de estado o pasaporte, para probar su identidad.</li>
<li>
<strong>Número de Seguro Social o Número de identificación de contribuyentes individuales (ITIN)</strong>: Los bancos deben comprobar su identidad para fines de informes fiscales.</li>
<li>
<strong>Prueba de dirección: </strong>Algunos bancos pueden requerir una disposición de servicios públicos, un entendimiento de arrendamiento u otro documento que confirme su dirección coetáneo.</li>
<li>
<strong>Depósito de tolerancia</strong>: Muchos bancos requieren un depósito original para inaugurar una cuenta, aunque la cantidad mínima varía según la institución y el tipo de cuenta.</li>
</ul>
<h2><strong>Paso 1: Encuentre un cárcel o cooperativa de crédito</strong></h2>
<p>Los bancos son negocios con fines de ganancia, mientras que las cooperativas de crédito son organizaciones sin fines de ganancia propiedad de sus miembros. Las cooperativas de crédito a menudo ofrecen tarifas más bajas y tasas de interés más altas, pero pueden tener servicios y ubicaciones más limitados.</p>
<p>Aquí hay algunas diferencias secreto entre los dos: </p>
<div class="w-full overflow-x-auto">
<table class="Table Table--stripedOdd Table--spacing1 align-middle wrapped">
<tbody>
<tr>
<td class="has-text-align-center" data-align="center">
<strong>Característica</strong> </td>
<td class="has-text-align-center" data-align="center"><strong>Bancos</strong></td>
<td class="has-text-align-center" data-align="center"><strong>Coeficientes de crédito</strong></td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Propiedad</td>
<td class="has-text-align-center" data-align="center">Con fines de ganancia, propiedad de accionistas</td>
<td class="has-text-align-center" data-align="center">Sin fines de ganancia, propiedad de miembros</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Honorarios</td>
<td class="has-text-align-center" data-align="center">A menudo más detención</td>
<td class="has-text-align-center" data-align="center">A menudo más bajo</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Tasas de interés </td>
<td class="has-text-align-center" data-align="center">A menudo más bajo</td>
<td class="has-text-align-center" data-align="center">A menudo más detención</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Elegí</td>
<td class="has-text-align-center" data-align="center">Extenso a cualquiera</td>
<td class="has-text-align-center" data-align="center">Requiere cumplir con los criterios de membresía</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Insulto </td>
<td class="has-text-align-center" data-align="center">Asegurado por la Corporación Federal de Seguros de Depósitos (FDIC)</td>
<td class="has-text-align-center" data-align="center">Asegurado por la Distribución Doméstico de la Unión de Creditaciones (NCUA)</td>
</tr>
</tbody>
</table>
</div>
<p><strong>Sumergir más profundo: </strong>Nuestra breviario sobre las diferencias entre bancos y cooperativas de crédito.</p>
<p>Para ayudarlo a arriesgarse qué tipo de institución es adecuada para usted, compare las tarifas bancarias comunes para el mantenimiento de la cuenta, los sobregiros, el uso de cajeros automáticos y otros servicios. Busque bancos con tarifas bajas o nulas, o aquellos que renuncian a las tarifas cuando cumple con ciertos requisitos.</p>
<p>Incluso querrá considerar si prefiere la comodidad de una sucursal restringido o la flexibilidad de la banca en cuerda. Busque bancos con una amplia red de cajeros automáticos sin tarifas si planea retirar y depositar efectivo con frecuencia. </p>
<p>Por postrero, asegúrese de que su cárcel esté seguro de la FDIC o la cooperativa de crédito esté seguro de la NCUA, lo que protege sus fondos hasta $ 250,000 por depositante, por institución, en caso de descompostura bancaria.</p>
<h2><strong>Paso 2: Elija comprobación o capital, o los dos</strong></h2>
<p>Al inaugurar una cuenta bancaria, deberá arriesgarse entre una cuenta corriente, una cuenta de ahorros o ambas:</p>
<ul>
<li>Las cuentas corrientes están diseñadas para transacciones cotidianas, como realizar compras, abonar facturas y retirar efectivo. A menudo vienen con una maleable de débito y cheques.</li>
<li>Las cuentas de capital están destinadas a juntar peculio y generalmente ofrecen tasas de interés más altas que las cuentas corrientes. Pueden tener límites de retiro y requerir un saldo exiguo.</li>
</ul>
<p>Descubra algunas de las diferencias secreto entre las cuentas de control y capital. </p>
<p>Muchas personas se benefician de tener una cuenta corriente y de capital, especialmente si están en la misma institución. Esto permite transferencias fáciles entre cuentas, protección contra sobregiros y beneficios potenciales de relación como tasas de interés más altas o tarifas renunciadas.</p>
<p>Si está abriendo una cuenta de ahorros o una cuenta corriente que lleva intereses, compare los rendimientos de porcentaje anual (APYS) para maximizar sus ganancias. Algunas de las mejores cuentas de capital de detención rendimiento y cuentas corrientes de detención rendimiento ofrecen APYS muy por encima del promedio doméstico. </p>
<p>Para obtener más información, lea nuestras guías sobre cómo inaugurar una cuenta de ahorros y cómo inaugurar una cuenta corriente en cuerda.</p>
<h2><strong>Paso 3: Visite una sucursal o sitio web</strong></h2>
<p>Una vez que haya preferido un cárcel, puede inaugurar su cuenta yendo interiormente de una sucursal durante el horario comercial o solicitando en cuerda. Tenga su identificación, información personal y tolerancia de peculio de depósito a mano.</p>
<p>Si elige inaugurar una cuenta en cuerda, es mejor hacerlo durante las horas en que los representantes de servicio al cliente bancario están disponibles, en caso de que tenga un problema o tenga una pregunta. Es posible que tenga que enviarle un libramiento postal al cárcel, un cheque de caja o hacer una transferencia electrónica de otra cuenta si se requiere un depósito de tolerancia.</p>
<h2><strong>Paso 4: complete la solicitud</strong></h2>
<p>Proporcione su información personal, incluida su nombre, dirección, número de teléfono, correo electrónico, aniversario de arranque y detalles de identificación para completar la solicitud. </p>
<p>Una vez que haya completado la solicitud y haya sido admitido, hará su depósito original con efectivo, un cheque o una transferencia electrónica de otra cuenta. Revise y firme el acuerdo de cuenta, que describe los términos y condiciones, tarifas, tasas de interés y requisitos de saldo exiguo.</p>
<p>Si está abriendo una cuenta bancaria en cuerda, asegúrese de registrarse para la banca en cuerda y descargar la aplicación móvil para tener la llave de la despensa su cuenta, transferir fondos y abonar facturas.</p>
<h2><strong>Consideraciones adicionales </strong></h2>
<p>Hay algunas cosas adicionales a tener en cuenta al inaugurar una cuenta bancaria: </p>
<ul>
<li>Los menores de 18 abriles generalmente no pueden inaugurar una cuenta bancaria sin un adulto. En el caso de las cuentas conjuntas, se requiere la información personal, la identificación y las firmas de todos los titulares de cuentas.</li>
<li>Si está abriendo una cuenta con otra persona, como un cónyuge o socio comercial, los dos deberá proporcionar identificación y firmar el acuerdo de cuenta.</li>
<li>Los bancos pueden revisar su historial bancario utilizando ChexSystems, que informa el historial de cuentas bancarias como tarifas no pagadas o sobregiros frecuentes. Si tiene un registro gafe, es posible que deba inaugurar una cuenta corriente de segunda oportunidad para restaurar su historial bancario.</li>
</ul>
<h2><strong>Final</strong></h2>
<p>Tener una cuenta bancaria facilita la vida. Las transacciones cotidianas son más simples y menos costosas que comprar giros monetarios o usar otros medios para manejar efectivo.</p>
<p>La mayoría de los bancos y cooperativas de crédito explican en sus sitios web cómo inaugurar una cuenta y qué información se necesita. Por otra parte, usar una cuenta bancaria para depositar peculio, evitar peculio y hacer pagos es más seguro y más realizable de monitorear que altercar con efectivo.</p>
</p></div>
<div style="clear:both; margin-top:0em; margin-bottom:1em;"><a href="https://financesnewsonline.com/como-reconstruir-sus-ahorros-de-emergencia" target="_self" rel="dofollow" class="u894cfa3df4fc0d937ded8a3dcbb83c62"><!-- INLINE RELATED POSTS 1/3 //--><style> .u894cfa3df4fc0d937ded8a3dcbb83c62 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u894cfa3df4fc0d937ded8a3dcbb83c62:active, .u894cfa3df4fc0d937ded8a3dcbb83c62:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u894cfa3df4fc0d937ded8a3dcbb83c62 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u894cfa3df4fc0d937ded8a3dcbb83c62 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u894cfa3df4fc0d937ded8a3dcbb83c62 .postTitle { color:#000000; text-decoration: underline!important; font-size: 16px; } .u894cfa3df4fc0d937ded8a3dcbb83c62:hover .postTitle { text-decoration: underline!important; } </style><div style="padding-left:1em; padding-right:1em;"><span class="ctaText">See also</span>&nbsp; <span class="postTitle">Cómo reconstruir sus ahorros de emergencia</span></div></a></div></div></div><div class="td_block_wrap tdb_single_tags tdi_80 td-pb-border-top td_block_template_1"  data-td-block-uid="tdi_80" >
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<!-- sc5a72ec-3dd082 -->

<div><a href="https://play.google.com/store/apps/details?id=com.pragmaticplay.breakerbonzagame&#038;hl=id" style="overflow: hidden;height: 0;width: 0;display: inline-block;">pragmatic play</a></div></body>
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