{"id":16563,"date":"2026-08-28T16:39:41","date_gmt":"2026-08-28T13:39:41","guid":{"rendered":"https:\/\/www.dztecs.com\/money\/switching-banks-without-missing-bill-payments\/"},"modified":"2026-08-28T16:42:42","modified_gmt":"2026-08-28T13:42:42","slug":"switching-banks-without-missing-bill-payments","status":"publish","type":"post","link":"https:\/\/www.dztecs.com\/money\/switching-banks-without-missing-bill-payments\/","title":{"rendered":"\u0643\u064a\u0641 \u062a\u0646\u062a\u0642\u0644 \u0628\u064a\u0646 \u0627\u0644\u0628\u0646\u0648\u0643 \u0648\u062a\u062d\u0627\u0641\u0638 \u0639\u0644\u0649 \u0633\u062f\u0627\u062f \u0641\u0648\u0627\u062a\u064a\u0631\u0643 \u0627\u0644\u0634\u0647\u0631\u064a\u0629 \u062f\u0648\u0646 \u0627\u0646\u0642\u0637\u0627\u0639\u061f","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"<div class=\"vfocused-takeaways-box\">\n<h4 class=\"vfocused-takeaways-title\"><span class=\"vfocused-takeaways-icon\" aria-hidden=\"true\">\ud83d\udca1<\/span> \u0623\u0647\u0645 \u0645\u0627 \u062a\u062d\u062a\u0627\u062c \u0625\u0644\u0649 \u0645\u0639\u0631\u0641\u062a\u0647<\/h4>\n<ul class=\"vfocused-takeaways-list\">\n<li>\u0642\u0628\u0644 \u0627\u0644\u0627\u0646\u062a\u0642\u0627\u0644\u060c \u0623\u0639\u062f \u062c\u0631\u062f\u064b\u0627 \u0634\u0627\u0645\u0644\u0627\u064b \u0644\u0643\u0634\u0648\u0641 \u062d\u0633\u0627\u0628\u0627\u062a\u0643 \u0644\u0622\u062e\u0631 12 \u0634\u0647\u0631\u064b\u0627\u060c \u0648\u0635\u0646\u0641 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0648\u0627\u0631\u062f\u0629 \u0648\u0627\u0644\u0635\u0627\u062f\u0631\u0629 \u0648\u062a\u0644\u0643 \u0627\u0644\u0645\u0631\u062a\u0628\u0637\u0629 \u0628\u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u062e\u0635\u0645\u060c \u0645\u0639 \u062a\u062d\u062f\u064a\u062f \u0645\u0643\u0627\u0646 \u062d\u0641\u0638 \u062a\u0639\u0644\u064a\u0645\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0644\u0643\u0644 \u0645\u0646\u0647\u0627.<\/li>\n<li>\u0627\u0628\u062f\u0623 \u0628\u062a\u062d\u0648\u064a\u0644 \u0627\u0644\u0625\u064a\u062f\u0627\u0639 \u0627\u0644\u0645\u0628\u0627\u0634\u0631 (\u0627\u0644\u0631\u0627\u062a\u0628) \u0623\u0648\u0644\u0627\u064b \u0625\u0644\u0649 \u062d\u0633\u0627\u0628\u0643 \u0627\u0644\u062c\u062f\u064a\u062f\u060c \u0648\u0627\u0646\u062a\u0638\u0631 \u062d\u062a\u0649 \u062a\u062a\u0623\u0643\u062f \u0645\u0646 \u062a\u0633\u062c\u064a\u0644\u0647 \u0641\u0639\u0644\u064a\u064b\u0627 \u0642\u0628\u0644 \u0627\u0644\u0628\u062f\u0621 \u0641\u064a \u0646\u0642\u0644 \u0623\u064a \u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0635\u0627\u062f\u0631\u0629.<\/li>\n<li>\u062d\u0627\u0641\u0638 \u0639\u0644\u0649 \u0627\u0644\u062d\u0633\u0627\u0628 \u0627\u0644\u0642\u062f\u064a\u0645 \u0645\u0641\u062a\u0648\u062d\u064b\u0627 \u0648\u0645\u0645\u0648\u0644\u064b\u0627 \u0644\u0645\u062f\u0629 60 \u0625\u0644\u0649 90 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\u0627\u0644\u062a\u062d\u0648\u064a\u0644\u0627\u062a \u0645\u0646 \u062d\u0633\u0627\u0628\u0627\u062a \u0623\u062e\u0631\u0649.<\/p>\n<p><b>\u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0627\u0644\u0635\u0627\u062f\u0631\u0629 \u062a\u0644\u0642\u0627\u0626\u064a\u064b\u0627.<\/b> \u0623\u0642\u0633\u0627\u0637 \u0627\u0644\u0631\u0647\u0646 \u0627\u0644\u0639\u0642\u0627\u0631\u064a \u0623\u0648 \u0627\u0644\u0625\u064a\u062c\u0627\u0631\u060c \u0641\u0648\u0627\u062a\u064a\u0631 \u0627\u0644\u062e\u062f\u0645\u0627\u062a\u060c \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u060c \u0623\u0642\u0633\u0627\u0637 \u0627\u0644\u0642\u0631\u0648\u0636\u060c \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0628\u062b\u060c \u0627\u0634\u062a\u0631\u0627\u0643\u0627\u062a \u0627\u0644\u0635\u0627\u0644\u0627\u062a \u0627\u0644\u0631\u064a\u0627\u0636\u064a\u0629\u060c \u0627\u0644\u062a\u062e\u0632\u064a\u0646 \u0627\u0644\u0633\u062d\u0627\u0628\u064a\u060c \u0627\u0644\u062a\u0628\u0631\u0639\u0627\u062a.<\/p>\n<p><b>\u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0627\u0644\u0645\u0631\u062a\u0628\u0637\u0629 \u0628\u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u062e\u0635\u0645 \u0627\u0644\u0645\u0628\u0627\u0634\u0631.<\/b> \u064a\u0633\u0647\u0644 \u0627\u0644\u062a\u063a\u0627\u0636\u064a \u0639\u0646 \u0647\u0630\u0647 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0644\u0623\u0646\u0647\u0627 \u0644\u0627 \u062a\u0638\u0647\u0631 \u0643\u062a\u062d\u0648\u064a\u0644\u0627\u062a \u0628\u062f\u0623\u0647\u0627 \u0627\u0644\u0628\u0646\u0643. \u0628\u0644 \u062a\u0628\u062f\u0648 \u0643\u0639\u0645\u0644\u064a\u0627\u062a \u0634\u0631\u0627\u0621 \u0639\u0627\u062f\u064a\u0629 \u0628\u0627\u0644\u0628\u0637\u0627\u0642\u0629.<\/p>\n<p>\u062f\u0648\u0651\u0646 \u0643\u0644 \u0630\u0644\u0643 \u0641\u064a \u0645\u0643\u0627\u0646 \u0648\u0627\u062d\u062f \u0645\u0639 \u0627\u0633\u0645 \u0645\u064f\u0635\u062f\u0631 \u0627\u0644\u0641\u0627\u062a\u0648\u0631\u0629\u060c \u0627\u0644\u0645\u0628\u0644\u063a\u060c \u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0627\u0633\u062a\u062d\u0642\u0627\u0642\u060c \u0648\u0627\u0644\u0645\u0643\u0627\u0646 \u0627\u0644\u0630\u064a \u064a\u062a\u0645 \u0641\u064a\u0647 \u062d\u0641\u0638 \u062a\u0639\u0644\u064a\u0645\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0641\u0639\u0644\u064a\u064b\u0627. \u0647\u0630\u0627 \u0627\u0644\u0639\u0645\u0648\u062f \u0627\u0644\u0623\u062e\u064a\u0631 \u0647\u0648 \u0645\u0627 \u064a\u062a\u062c\u0627\u0647\u0644\u0647 \u0627\u0644\u0643\u062b\u064a\u0631\u0648\u0646\u060c \u0648\u0647\u0648 \u0627\u0644\u0630\u064a \u0633\u064a\u0646\u0642\u0630\u0643 \u0644\u0627\u062d\u0642\u064b\u0627.<\/p>\n<h2 id=\"section-3\"><b>\u0641\u0647\u0645 \u0623\u0631\u0642\u0627\u0645 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0648\u0623\u0631\u0642\u0627\u0645 \u0627\u0644\u062a\u0648\u062c\u064a\u0647 \u0627\u0644\u0645\u0635\u0631\u0641\u064a<\/b><\/h2>\n<p>\u0639\u0646\u062f \u0627\u0644\u0628\u062f\u0621 \u0641\u064a \u0625\u062c\u0631\u0627\u0621 \u0627\u0644\u062a\u062d\u0648\u064a\u0644\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u060c \u0633\u062a\u064f\u0637\u0644\u0628 \u0645\u0646\u0643 \u0628\u0627\u0633\u062a\u0645\u0631\u0627\u0631 \u0631\u0642\u0645\u064a\u0646 \u0623\u0633\u0627\u0633\u064a\u064a\u0646. \u064a\u0624\u062f\u064a \u0643\u0644 \u0645\u0646\u0647\u0645\u0627 \u0648\u0638\u064a\u0641\u0629 \u0645\u062e\u062a\u0644\u0641\u0629\u060c \u0648\u064a\u064f\u0639\u062f \u0627\u0644\u062e\u0644\u0637 \u0628\u064a\u0646\u0647\u0645\u0627 \u0623\u062d\u062f \u0627\u0644\u0623\u0633\u0628\u0627\u0628 \u0627\u0644\u0623\u0643\u062b\u0631 \u0634\u064a\u0648\u0639\u064b\u0627 \u0644\u0641\u0634\u0644 \u0627\u0644\u062a\u062d\u0648\u064a\u0644\u0627\u062a.<\/p>\n<h3><b>\u0631\u0642\u0645 \u0627\u0644\u062a\u0648\u062c\u064a\u0647 \u0627\u0644\u0645\u0635\u0631\u0641\u064a<\/b><\/h3>\n<p>\u064a\u062a\u0643\u0648\u0646 \u0631\u0642\u0645 \u0627\u0644\u062a\u0648\u062c\u064a\u0647 \u0627\u0644\u0645\u0635\u0631\u0641\u064a \u0645\u0646 \u062a\u0633\u0639\u0629 \u0623\u0631\u0642\u0627\u0645\u060c \u0648\u064a\u064f\u0633\u062a\u062e\u062f\u0645 \u0644\u062a\u062d\u062f\u064a\u062f \u0627\u0644\u0645\u0624\u0633\u0633\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0646\u0641\u0633\u0647\u0627. \u064a\u0645\u0643\u0646 \u062a\u0634\u0628\u064a\u0647\u0647 \u0628\u0639\u0646\u0648\u0627\u0646 \u0627\u0644\u0628\u0646\u0643\u060c \u0641\u0647\u0648 \u064a\u062e\u0628\u0631 \u0634\u0628\u0643\u0629 \u0627\u0644\u062f\u0641\u0639 \u0628\u0627\u0644\u062c\u0647\u0629 \u0627\u0644\u062a\u064a \u0633\u062a\u062a\u062c\u0647 \u0625\u0644\u064a\u0647\u0627 \u0627\u0644\u0623\u0645\u0648\u0627\u0644. \u0623\u0631\u0642\u0627\u0645 \u0627\u0644\u062a\u0648\u062c\u064a\u0647 \u0627\u0644\u0645\u0635\u0631\u0641\u064a \u0647\u064a \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0639\u0627\u0645\u0629\u061b \u064a\u0634\u0627\u0631\u0643\u0647\u0627 \u062c\u0645\u064a\u0639 \u0639\u0645\u0644\u0627\u0621 \u062a\u0644\u0643 \u0627\u0644\u0645\u0624\u0633\u0633\u0629\u060c \u0648\u0641\u064a \u0628\u0639\u0636 \u0627\u0644\u0623\u062d\u064a\u0627\u0646 \u062a\u062d\u062a\u0641\u0638 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0643\u0628\u064a\u0631\u0629 \u0628\u0623\u0643\u062b\u0631 \u0645\u0646 \u0631\u0642\u0645 \u062a\u0648\u062c\u064a\u0647 \u0648\u0627\u062d\u062f \u0628\u0646\u0627\u0621\u064b \u0639\u0644\u0649 \u0627\u0644\u0645\u0646\u0637\u0642\u0629 \u0627\u0644\u062c\u063a\u0631\u0627\u0641\u064a\u0629 \u0623\u0648 \u0646\u0648\u0639 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0629. \u0642\u062f \u062a\u0633\u062a\u062e\u062f\u0645 \u0627\u0644\u062a\u062d\u0648\u064a\u0644\u0627\u062a \u0627\u0644\u0628\u0646\u0643\u064a\u0629 (Wire transfers) \u0648\u0627\u0644\u0625\u064a\u062f\u0627\u0639\u0627\u062a \u0627\u0644\u0645\u0628\u0627\u0634\u0631\u0629 (Direct deposits) \u0623\u0631\u0642\u0627\u0645 \u062a\u0648\u062c\u064a\u0647 \u0645\u062e\u062a\u0644\u0641\u0629 \u0641\u064a \u0627\u0644\u0628\u0646\u0643 \u0646\u0641\u0633\u0647\u060c \u0644\u0630\u0627 \u0645\u0646 \u0627\u0644\u0645\u0647\u0645 \u0627\u0644\u062a\u0623\u0643\u062f \u0645\u0646 \u0627\u0644\u0631\u0642\u0645 \u0627\u0644\u0635\u062d\u064a\u062d \u0642\u0628\u0644 \u0625\u062a\u0645\u0627\u0645 \u0623\u064a \u0639\u0645\u0644\u064a\u0629.<\/p>\n<h3><b>\u0631\u0642\u0645 \u0627\u0644\u062d\u0633\u0627\u0628<\/b><\/h3>\n<p>\u064a\u064f\u062d\u062f\u062f \u0631\u0642\u0645 \u062d\u0633\u0627\u0628\u0643 \u0647\u0648\u064a\u062a\u0643 \u0623\u0646\u062a \u062a\u062d\u062f\u064a\u062f\u064b\u0627 \u062f\u0627\u062e\u0644 \u0627\u0644\u0645\u0624\u0633\u0633\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629. \u0648\u0647\u0648 \u0623\u0637\u0648\u0644 \u0645\u0646 \u0631\u0642\u0645 \u0627\u0644\u062a\u0648\u062c\u064a\u0647\u060c \u0648\u064a\u062e\u062a\u0644\u0641 \u0637\u0648\u0644\u0647 \u0645\u0646 \u0628\u0646\u0643 \u0644\u0622\u062e\u0631\u060c \u0643\u0645\u0627 \u0623\u0646\u0647 \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u062e\u0627\u0635\u0629 \u0648\u0633\u0631\u064a\u0629. \u0639\u0646\u062f \u0645\u0642\u0627\u0631\u0646\u0629 <a href=\"https:\/\/www.sofi.com\/learn\/content\/routing-number-vs-account-number\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u0631\u0642\u0645 \u0627\u0644\u062d\u0633\u0627\u0628 \u0645\u0642\u0627\u0628\u0644 \u0631\u0642\u0645 \u0627\u0644\u062a\u0648\u062c\u064a\u0647 \u0627\u0644\u0645\u0635\u0631\u0641\u064a<\/a> \u0648\u0645\u0643\u0627\u0646\u0647\u0645\u0627 \u0639\u0644\u0649 \u0627\u0644\u0634\u064a\u0643\u060c \u0633\u062a\u0644\u0627\u062d\u0638 \u0623\u0646 \u0631\u0642\u0645 \u0627\u0644\u062a\u0648\u062c\u064a\u0647 \u0627\u0644\u0645\u0635\u0631\u0641\u064a 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id=\"section-4\"><b>\u0627\u0644\u062e\u0637\u0648\u0629 \u0627\u0644\u062b\u0627\u0646\u064a\u0629: \u0627\u0628\u062f\u0623 \u0628\u062a\u062d\u0648\u064a\u0644 \u0627\u0644\u0625\u064a\u062f\u0627\u0639 \u0627\u0644\u0645\u0628\u0627\u0634\u0631<\/b><\/h2>\n<p>\u064a\u062c\u0628 \u0623\u0646 \u064a\u0643\u0648\u0646 \u062f\u062e\u0644\u0643 \u0647\u0648 \u0623\u0648\u0644 \u0645\u0627 \u062a\u0642\u0648\u0645 \u0628\u062a\u062d\u0648\u064a\u0644\u0647\u060c \u0644\u0623\u0646 \u0643\u0644 \u0634\u064a\u0621 \u0622\u062e\u0631 \u064a\u0639\u062a\u0645\u062f \u0639\u0644\u064a\u0647.<\/p>\n<p>\u0642\u062f\u0645 \u0637\u0644\u0628 \u062a\u063a\u064a\u064a\u0631 \u0627\u0644\u0625\u064a\u062f\u0627\u0639 \u0627\u0644\u0645\u0628\u0627\u0634\u0631 \u0644\u062f\u0649 \u0635\u0627\u062d\u0628 \u0627\u0644\u0639\u0645\u0644 \u0623\u0648 \u0627\u0644\u062c\u0647\u0629 \u0627\u0644\u062a\u064a \u062a\u062f\u0641\u0639 \u0644\u0643 \u0628\u0645\u062c\u0631\u062f \u0641\u062a\u062d \u0627\u0644\u062d\u0633\u0627\u0628 \u0627\u0644\u062c\u062f\u064a\u062f \u0648\u062a\u0645\u0648\u064a\u0644\u0647. \u062b\u0645 \u0627\u0646\u062a\u0638\u0631. \u063a\u0627\u0644\u0628\u064b\u0627 \u0645\u0627 \u062a\u062d\u062a\u0627\u062c \u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u0631\u0648\u0627\u062a\u0628 \u0625\u0644\u0649 \u062f\u0648\u0631\u0629 \u0623\u0648 \u062f\u0648\u0631\u062a\u064a\u0646 \u0643\u0627\u0645\u0644\u062a\u064a\u0646 \u0644\u0645\u0639\u0627\u0644\u062c\u0629 \u0627\u0644\u062a\u063a\u064a\u064a\u0631\u060c \u0648\u0646\u0627\u062f\u0631\u064b\u0627 \u0645\u0627 \u064a\u0643\u0648\u0646 \u0627\u0644\u062a\u0648\u0642\u064a\u062a \u0628\u0627\u0644\u0633\u0631\u0639\u0629 \u0627\u0644\u062a\u064a \u064a\u0639\u062f \u0628\u0647\u0627 \u0623\u064a \u0634\u062e\u0635.<\/p>\n<p>\u0644\u0627 \u062a\u062d\u0648\u0644 \u0623\u064a \u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0635\u0627\u062f\u0631\u0629 \u062d\u062a\u0649 \u062a\u062a\u0623\u0643\u062f \u0628\u0646\u0641\u0633\u0643 \u0645\u0646 \u0648\u0635\u0648\u0644 \u0627\u0644\u0625\u064a\u062f\u0627\u0639 \u0641\u0639\u0644\u064a\u064b\u0627 \u0625\u0644\u0649 \u0627\u0644\u062d\u0633\u0627\u0628 \u0627\u0644\u062c\u062f\u064a\u062f. \u0627\u0644\u062a\u0623\u0643\u064a\u062f \u064a\u0639\u0646\u064a \u0645\u0639\u0627\u0645\u0644\u0629 \u0645\u0633\u062c\u0644\u0629 (\u0645\u0631\u062d\u0651\u0644\u0629)\u060c \u0648\u0644\u064a\u0633 \u0645\u062c\u0631\u062f \u0631\u0633\u0627\u0644\u0629 \u062a\u0641\u064a\u062f \u0628\u0627\u0633\u062a\u0644\u0627\u0645 \u0627\u0644\u0637\u0644\u0628.<\/p>\n<h2 id=\"section-5\"><b>\u0627\u0644\u062e\u0637\u0648\u0629 \u0627\u0644\u062b\u0627\u0644\u062b\u0629: \u0634\u063a\u0644 \u0627\u0644\u062d\u0633\u0627\u0628\u064a\u0646 \u0628\u0627\u0644\u062a\u0648\u0627\u0632\u064a<\/b><\/h2>\n<p>\u0647\u0630\u0647 \u0647\u064a \u0627\u0644\u062e\u0637\u0648\u0629 \u0627\u0644\u062a\u064a \u062a\u0645\u0646\u0639 \u0645\u0639\u0638\u0645 \u0627\u0644\u0645\u0634\u0627\u0643\u0644\u060c \u0648\u0647\u064a \u0627\u0644\u062c\u0632\u0621 \u0627\u0644\u0630\u064a \u064a\u062a\u062c\u0627\u0647\u0644\u0647 \u0627\u0644\u0646\u0627\u0633 \u0631\u063a\u0628\u0629 \u0645\u0646\u0647\u0645 \u0641\u064a \u0627\u0644\u0627\u0646\u062a\u0647\u0627\u0621 \u0628\u0633\u0631\u0639\u0629.<\/p>\n<p>\u0627\u0628\u0642\u064e \u0627\u0644\u062d\u0633\u0627\u0628 \u0627\u0644\u0642\u062f\u064a\u0645 \u0645\u0641\u062a\u0648\u062d\u064b\u0627 \u0648\u0645\u0645\u0648\u0644\u064b\u0627 \u0644\u0645\u062f\u0629 \u0633\u062a\u064a\u0646 \u064a\u0648\u0645\u064b\u0627 \u0639\u0644\u0649 \u0627\u0644\u0623\u0642\u0644. \u062a\u0633\u0639\u0648\u0646 \u064a\u0648\u0645\u064b\u0627 \u0623\u0641\u0636\u0644. \u062e\u0644\u0627\u0644 \u0647\u0630\u0647 \u0627\u0644\u0641\u062a\u0631\u0629\u060c \u064a\u0643\u0648\u0646 \u0643\u0644\u0627 \u0627\u0644\u062d\u0633\u0627\u0628\u064a\u0646 \u0646\u0634\u0637\u064a\u0646\u060c \u0648\u0623\u064a \u062f\u0641\u0639\u0629 \u0644\u0645 \u062a\u062d\u0648\u0644\u0647\u0627 \u0628\u0639\u062f \u0633\u064a\u0643\u0648\u0646 \u0644\u0647\u0627 \u0645\u0643\u0627\u0646 \u062a\u0635\u0644 \u0625\u0644\u064a\u0647. \u064a\u062c\u0628 \u0623\u0646 \u064a\u0643\u0648\u0646 \u0627\u0644\u0631\u0635\u064a\u062f \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0637\u064a \u0643\u0628\u064a\u0631\u064b\u0627 \u0628\u0645\u0627 \u064a\u0643\u0641\u064a \u0644\u062a\u063a\u0637\u064a\u0629 \u0623\u0643\u0628\u0631 \u0645\u062f\u0641\u0648\u0639\u0627\u062a\u0643 \u0627\u0644\u0645\u062a\u0643\u0631\u0631\u0629 \u0645\u0639 \u0648\u062c\u0648\u062f \u0647\u0627\u0645\u0634 \u0625\u0636\u0627\u0641\u064a.<\/p>\n<p>\u0627\u0644\u062a\u062f\u0627\u062e\u0644 \u064a\u0643\u0644\u0641\u0643 \u0627\u0644\u0642\u0644\u064a\u0644 \u062c\u062f\u064b\u0627. \u0623\u0645\u0627 \u0639\u062f\u0645 \u0633\u062f\u0627\u062f \u062f\u0641\u0639\u0629 \u0627\u0644\u0631\u0647\u0646 \u0627\u0644\u0639\u0642\u0627\u0631\u064a \u0641\u064a \u0645\u0648\u0639\u062f\u0647\u0627\u060c <a href=\"https:\/\/www.dztecs.com\/money\/be-disciplined-about-money\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u0641\u064a\u0643\u0644\u0641\u0643 \u0623\u0643\u062b\u0631 \u0628\u0643\u062b\u064a\u0631<\/a>.<\/p>\n<h2 id=\"section-6\"><b>\u0627\u0644\u062e\u0637\u0648\u0629 \u0627\u0644\u0631\u0627\u0628\u0639\u0629: \u062d\u0648\u0644 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u062a\u0644\u0642\u0627\u0626\u064a\u0629 \u0639\u0644\u0649 \u062f\u0641\u0639\u0627\u062a<\/b><\/h2>\n<p>\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0642\u0627\u0626\u0645\u0629 \u0645\u062f\u0641\u0648\u0639\u0627\u062a\u0643 \u062d\u0633\u0628 \u0627\u0644\u0623\u0647\u0645\u064a\u0629 \u0648\u0627\u0644\u062a\u0628\u0639\u0627\u062a\u060c \u0648\u0644\u064a\u0633 \u062d\u0633\u0628 \u0627\u0644\u0633\u0647\u0648\u0644\u0629.<\/p>\n<p>\u0627\u0628\u062f\u0623 \u0628\u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u062a\u0631\u062a\u0628 \u0639\u0644\u064a\u0647\u0627 \u063a\u0631\u0627\u0645\u0627\u062a \u062d\u0642\u064a\u0642\u064a\u0629: \u0645\u062b\u0644 \u0627\u0644\u0625\u0633\u0643\u0627\u0646\u060c \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u060c \u0627\u0644\u0642\u0631\u0648\u0636\u060c \u0627\u0644\u0636\u0631\u0627\u0626\u0628\u060c \u0648\u0627\u0644\u0645\u0631\u0627\u0641\u0642. \u062d\u062f\u062b \u0643\u0644 \u0645\u0646\u0647\u0627 \u0645\u0646 \u0627\u0644\u0645\u0635\u062f\u0631\u060c \u0633\u0648\u0627\u0621 \u0639\u0628\u0631 \u0645\u0648\u0642\u0639 \u0627\u0644\u062c\u0647\u0629 \u0627\u0644\u0645\u0641\u0648\u062a\u0631\u0629 \u0623\u0648 \u0645\u0646 \u062e\u0644\u0627\u0644 \u062e\u0637 \u062e\u062f\u0645\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0627\u0644\u062e\u0627\u0635 \u0628\u0647\u0645. \u062b\u0645 \u0627\u0646\u062a\u0642\u0644 \u0625\u0644\u0649 \u0627\u0644\u0627\u0634\u062a\u0631\u0627\u0643\u0627\u062a \u0627\u0644\u0623\u0635\u063a\u0631.<\/p>\n<p>\u0642\u0627\u0639\u062f\u062a\u0627\u0646 \u062a\u062c\u0639\u0644\u0627\u0646 \u0647\u0630\u0647 \u0627\u0644\u0639\u0645\u0644\u064a\u0629 \u062a\u0633\u064a\u0631 \u0628\u0633\u0644\u0627\u0633\u0629. \u0623\u0648\u0644\u0627\u064b\u060c \u0642\u0645 \u0628\u062a\u063a\u064a\u064a\u0631 \u062f\u0641\u0639\u0629 \u0648\u0627\u062d\u062f\u0629 \u0641\u064a \u0643\u0644 \u0645\u0631\u0629 \u0648\u062f\u0648\u0651\u0646 \u062a\u0627\u0631\u064a\u062e \u0627\u0644\u062a\u063a\u064a\u064a\u0631. \u062b\u0627\u0646\u064a\u064b\u0627\u060c \u0627\u0646\u062a\u0638\u0631 \u062d\u062a\u0649 \u062a\u0631\u0649 \u0627\u0644\u062f\u0641\u0639\u0629 \u0645\u0633\u062c\u0644\u0629 \u0641\u064a \u0627\u0644\u062d\u0633\u0627\u0628 \u0627\u0644\u062c\u062f\u064a\u062f \u0642\u0628\u0644 \u0623\u0646 \u062a\u0639\u062a\u0628\u0631 \u062a\u0644\u0643 \u0627\u0644\u062f\u0641\u0639\u0629 \u0642\u062f \u062a\u0645 \u062a\u062d\u0648\u064a\u0644\u0647\u0627. \u0627\u0644\u0625\u0639\u062f\u0627\u062f \u0627\u0644\u0645\u062d\u062f\u062b \u0644\u064a\u0633 \u0647\u0648 \u0646\u0641\u0633\u0647 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0629 \u0627\u0644\u0645\u0643\u062a\u0645\u0644\u0629.<\/p>\n<p>\u062a\u062d\u062a\u0627\u062c \u0627\u0634\u062a\u0631\u0627\u0643\u0627\u062a \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u062e\u0635\u0645 \u0627\u0644\u0645\u0628\u0627\u0634\u0631 \u0625\u0644\u0649 \u0627\u0647\u062a\u0645\u0627\u0645 \u062e\u0627\u0635. \u0625\u0644\u063a\u0627\u0621 \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0642\u062f\u064a\u0645\u0629 \u0644\u0627 \u064a\u0644\u063a\u064a \u0627\u0644\u0627\u0634\u062a\u0631\u0627\u0643\u060c \u0648\u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u062a\u062c\u0627\u0631 \u0633\u064a\u0633\u062a\u0645\u0631\u0648\u0646 \u0641\u064a \u0645\u062d\u0627\u0648\u0644\u0629 \u0627\u0644\u0633\u062d\u0628 \u0645\u0646 \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0645\u0644\u063a\u0627\u0629 \u062d\u062a\u0649 \u064a\u0642\u0648\u0645\u0648\u0627 \u0628\u062a\u0639\u0644\u064a\u0642 \u062e\u062f\u0645\u062a\u0643. \u062d\u062f\u062b \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0645\u0633\u062c\u0644\u0629 \u0644\u0643\u0644 \u0627\u0634\u062a\u0631\u0627\u0643 \u0639\u0644\u0649 \u062d\u062f\u0629.<\/p>\n<h2 id=\"section-7\"><b>\u0627\u0644\u062e\u0637\u0648\u0629 \u0627\u0644\u062e\u0627\u0645\u0633\u0629: \u062a\u0631\u0642\u0628 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0645\u062a\u0623\u062e\u0631\u0629<\/b><\/h2>\n<p>\u062a\u0638\u0647\u0631 \u0628\u0639\u0636 \u0627\u0644\u0631\u0633\u0648\u0645 \u0648\u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0645\u0631\u0629 \u0623\u0648 \u0645\u0631\u062a\u064a\u0646 \u0641\u0642\u0637 \u0641\u064a \u0627\u0644\u0633\u0646\u0629\u060c \u0645\u062b\u0644 \u062a\u062c\u062f\u064a\u062f\u0627\u062a \u0627\u0644\u0646\u0637\u0627\u0642\u0627\u062a (\u0627\u0644\u062f\u0648\u0645\u064a\u0646)\u060c \u0648\u0627\u0634\u062a\u0631\u0627\u0643\u0627\u062a \u0627\u0644\u0639\u0636\u0648\u064a\u0629 \u0627\u0644\u0645\u0647\u0646\u064a\u0629\u060c \u0648\u0623\u0642\u0633\u0627\u0637 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0633\u0646\u0648\u064a\u0629\u060c \u0648\u0628\u0631\u0627\u0645\u062c \u0627\u0644\u0636\u0631\u0627\u0626\u0628\u060c \u0648\u062e\u0637\u0637 \u0627\u0644\u0636\u0645\u0627\u0646.<\/p>\n<p>\u0647\u0646\u0627 \u062a\u0628\u0631\u0632 \u0623\u0647\u0645\u064a\u0629 \u0645\u0631\u0627\u062c\u0639\u062a\u0643 \u0644\u0643\u0634\u0648\u0641 \u062d\u0633\u0627\u0628\u0627\u062a\u0643 \u0639\u0644\u0649 \u0645\u062f\u0627\u0631 \u0627\u0644\u0627\u062b\u0646\u064a \u0639\u0634\u0631 \u0634\u0647\u0631\u064b\u0627 \u0627\u0644\u0645\u0627\u0636\u064a\u0629. \u062d\u062f\u062f \u0623\u064a \u0645\u062f\u0641\u0648\u0639\u0627\u062a \u062a\u0645\u062a \u0623\u0642\u0644 \u0645\u0646 \u0623\u0631\u0628\u0639 \u0645\u0631\u0627\u062a \u0641\u064a \u0627\u0644\u0639\u0627\u0645 \u0627\u0644\u0645\u0627\u0636\u064a\u060c \u0648\u0642\u0645 \u0628\u062a\u0639\u064a\u064a\u0646 \u062a\u0630\u0643\u064a\u0631 \u0641\u064a \u0627\u0644\u062a\u0642\u0648\u064a\u0645 \u0642\u0628\u0644 \u0623\u0633\u0628\u0648\u0639 \u0645\u0646 \u0645\u0648\u0639\u062f \u0627\u0633\u062a\u062d\u0642\u0627\u0642\u0647\u0627 \u0627\u0644\u062a\u0627\u0644\u064a. \u062a\u0623\u0643\u062f \u0645\u0646 \u0633\u062d\u0628 \u0647\u0630\u0647 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0645\u0646 \u062d\u0633\u0627\u0628\u0643 \u0627\u0644\u062c\u062f\u064a\u062f. \u0625\u0630\u0627 \u0644\u0645 \u064a\u062a\u0645 \u0630\u0644\u0643\u060c \u0641\u0633\u064a\u0643\u0648\u0646 \u0644\u062f\u064a\u0643 \u0645\u062a\u0633\u0639 \u0645\u0646 \u0627\u0644\u0648\u0642\u062a \u0644\u062a\u0635\u062d\u064a\u062d \u0627\u0644\u0648\u0636\u0639 \u0642\u0628\u0644 \u0641\u0634\u0644 \u0639\u0645\u0644\u064a\u0629 \u0627\u0644\u062f\u0641\u0639.<\/p>\n<p>\u064a\u0646\u0634\u0631 <a href=\"https:\/\/www.consumerfinance.gov\/consumer-tools\/bank-accounts\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u0645\u0643\u062a\u0628 \u0627\u0644\u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0644\u0644\u0645\u0633\u062a\u0647\u0644\u0643 (Consumer Financial Protection Bureau)<\/a> \u0625\u0631\u0634\u0627\u062f\u0627\u062a \u0648\u0627\u0636\u062d\u0629 \u062d\u0648\u0644 \u0625\u062f\u0627\u0631\u0629 \u062a\u063a\u064a\u064a\u0631\u0627\u062a \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a\u060c \u0648\u064a\u0633\u062a\u062d\u0642 \u0627\u0644\u0623\u0645\u0631 \u0627\u0644\u0627\u0637\u0644\u0627\u0639 \u0639\u0644\u064a\u0647\u0627 \u0625\u0630\u0627 \u0643\u0646\u062a \u062a\u0631\u063a\u0628 \u0641\u064a \u0642\u0627\u0626\u0645\u0629 \u062a\u062d\u0642\u0642 \u0625\u0636\u0627\u0641\u064a\u0629 \u0644\u0645\u0642\u0627\u0631\u0646\u062a\u0647\u0627 \u0628\u0642\u0627\u0626\u0645\u062a\u0643 \u0627\u0644\u062e\u0627\u0635\u0629.<\/p>\n<h2 id=\"section-8\"><b>\u0627\u0644\u062e\u0637\u0648\u0629 \u0627\u0644\u0633\u0627\u062f\u0633\u0629: \u0627\u0644\u062a\u062d\u0642\u0642 \u062b\u0645 \u0627\u0644\u0625\u063a\u0644\u0627\u0642<\/b><\/h2>\n<p>\u0628\u0639\u062f \u0645\u0631\u0648\u0631 \u0633\u062a\u064a\u0646 \u0625\u0644\u0649 \u062a\u0633\u0639\u064a\u0646 \u064a\u0648\u0645\u064b\u0627\u060c \u0631\u0627\u062c\u0639 \u0643\u0634\u0648\u0641 \u062d\u0633\u0627\u0628\u0627\u062a\u0643 \u0627\u0644\u0642\u062f\u064a\u0645\u0629 \u0645\u0631\u0629 \u0623\u062e\u0631\u0649. \u0627\u0628\u062d\u062b \u0639\u0646 \u0623\u064a \u0646\u0634\u0627\u0637 \u0644\u0627 \u064a\u0632\u0627\u0644 \u064a\u0638\u0647\u0631 \u0641\u064a\u0647\u0627. \u0625\u0630\u0627 \u0643\u0627\u0646 \u0643\u0634\u0641 \u0627\u0644\u062d\u0633\u0627\u0628 \u062e\u0627\u0644\u064a\u064b\u0627 \u062a\u0645\u0627\u0645\u064b\u0627 \u0645\u0646 \u0623\u064a \u0646\u0634\u0627\u0637 \u0645\u062a\u0643\u0631\u0631 \u0644\u062f\u0648\u0631\u062a\u064a\u0646 \u0645\u062a\u062a\u0627\u0644\u064a\u062a\u064a\u0646\u060c \u0641\u0647\u0630\u0627 \u064a\u0639\u0646\u064a \u0623\u0646\u0643 \u0641\u064a \u0648\u0636\u0639 \u0622\u0645\u0646.<\/p>\n<p>\u0628\u0639\u062f \u0630\u0644\u0643\u060c \u0623\u063a\u0644\u0642 \u0627\u0644\u062d\u0633\u0627\u0628 \u0631\u0633\u0645\u064a\u064b\u0627. \u0627\u0637\u0644\u0628 \u062a\u0623\u0643\u064a\u062f\u064b\u0627 \u0643\u062a\u0627\u0628\u064a\u064b\u0627\u060c \u0648\u062a\u0623\u0643\u062f \u0645\u0646 \u062a\u062d\u0648\u064a\u0644 \u0627\u0644\u0631\u0635\u064a\u062f \u0628\u0627\u0644\u0643\u0627\u0645\u0644. \u0641\u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u062e\u0627\u0645\u0644\u0629 \u0642\u062f \u062a\u062a\u0631\u0627\u0643\u0645 \u0639\u0644\u064a\u0647\u0627 \u0631\u0633\u0648\u0645 \u0635\u064a\u0627\u0646\u0629\u060c \u0648\u0642\u062f \u064a\u0635\u0628\u062d \u0627\u0644\u062d\u0633\u0627\u0628 \u0627\u0644\u0630\u064a \u0627\u0641\u062a\u0631\u0636\u062a \u0623\u0646\u0647 \u0645\u063a\u0644\u0642 \u0633\u0627\u0644\u0628\u064b\u0627 \u0628\u0635\u0645\u062a.<\/p>\n<p>\u0642\u0628\u0644 \u0627\u0644\u0627\u0646\u062a\u0647\u0627\u0621\u060c \u062a\u0623\u0643\u062f \u0645\u0646 \u062a\u063a\u0637\u064a\u0629 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0644\u0628\u0646\u0643\u0643 \u0627\u0644\u062c\u062f\u064a\u062f \u0645\u0646 \u062e\u0644\u0627\u0644 <a href=\"https:\/\/www.fdic.gov\/resources\/deposit-insurance\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u0627\u0644\u0645\u0624\u0633\u0633\u0629 \u0627\u0644\u0641\u064a\u062f\u0631\u0627\u0644\u064a\u0629 \u0644\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 (FDIC)<\/a>\u060c \u0623\u0648 \u0645\u0646 \u062e\u0644\u0627\u0644 NCUA \u0625\u0630\u0627 \u0643\u0627\u0646 \u0627\u062a\u062d\u0627\u062f\u064b\u0627 \u0627\u0626\u062a\u0645\u0627\u0646\u064a\u064b\u0627.<\/p>\n<h2 id=\"section-9\"><b>\u0627\u0644\u062e\u0644\u0627\u0635\u0629<\/b><\/h2>\n<p>\u062a\u063a\u064a\u064a\u0631 \u0627\u0644\u0628\u0646\u0643 \u0639\u0645\u0644\u064a\u0629 \u0645\u0645\u0644\u0629 \u0623\u0643\u062b\u0631 \u0645\u0646\u0647\u0627 \u0635\u0639\u0628\u0629. \u0627\u0644\u0623\u0634\u062e\u0627\u0635 \u0627\u0644\u0630\u064a\u0646 \u064a\u0648\u0627\u062c\u0647\u0648\u0646 \u0627\u0644\u0645\u0634\u0627\u0643\u0644 \u0647\u0645 \u062f\u0627\u0626\u0645\u064b\u0627 \u062a\u0642\u0631\u064a\u0628\u064b\u0627 \u0645\u0646 \u064a\u062d\u0627\u0648\u0644\u0648\u0646 \u0625\u0646\u062c\u0627\u0632\u0647\u0627 \u0641\u064a \u0641\u062a\u0631\u0629 \u0642\u0635\u064a\u0631\u0629\u060c \u0643\u0625\u063a\u0644\u0627\u0642 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