GENERAL INFORMATION

Here you'll find answers to questions regarding Wachovia Online Banking and how to use it.

What is Online Banking?
What are the fees associated with Online Banking?
When can I start using Online Banking?
How secure is Online Banking?
What are the access codes I need to log in?
What happens if I open a new account(s) after establishing my Access Codes?
What accounts can I access through Online Banking?
Can I transfer funds between different banks?
How soon after a transaction is performed will it appear in Online Banking?
How much past account information can I view?
Can I view or print a copy of a check?
Can I change my mailing address online?
Can I order checks online?
How do I change my account nicknames?

What is Online Banking?

Online Banking is a free service for Wachovia customers that lets you bank online from anywhere that you have Internet access. You can check account balances, transfer funds, view images of posted checks, receive account Balance Alerts and more. You can even pay bills online if you sign up for Online BillPay service.

What are the fees associated with Online Banking?

Online Fees For Personal Accounts
Online Banking......................................................................................No Charge
Online Banking access through Quicken^®, QuickBooks^®,
or Microsoft^® Money................................................................$5.95 per month
(following the three (3) month free trial period after your enrollment date)*
Online BillPay.........................................................................................No Charge

* No monthly access charge to any Crown Access Banking^®, Crown Banking^SM, Crown Classic Banking^®, Crown Select Banking^SM or Command Asset Program.

Online Fees For Business/Non-personal Accounts
Wachovia Business Online⁺.................................................................No Charge
Wachovia Business Online access through Quicken^®, QuickBooks^®,
     or Microsoft^® Money.............................................................$12.95 per month
     (following the three (3) month free trial period after your enrollment date)
Online BillPay..........................................................................................No Charge
Check Image Retrieval
     First 10 Check Images, per month................................................No Charge
     Each Check Image over 10 per month..................................................$1.00

⁺Applicable fees will be charged for each calendar month and will appear on your regular periodic statement.

When can I start using Online Banking?

You can begin using Online Banking as soon as you complete the enrollment process which includes selecting your access codes, and accept the online disclosures. If you need assistance completing the enrollment process, please call (800) 950-2296, 24 hours a day, seven days a week.

How secure is Online Banking?

Online Banking employs security at two levels: control of access to your accounts and security of transmission over the Internet. Account access security is accomplished by the use of your personal access codes: a User ID and Password. Transmission security is achieved by requiring the use of a browser that includes the highest level of encryption, or data coding, available. Read more about Online Banking security.

What are the access codes I need to log in?

To log in to Online Banking, you will need your personal access codes. These access codes consist of a User ID and Password. If you need assistance with your access codes, please call (800) 950-2296, 24 hours a day, seven days a week.

What happens if I open a new account(s) after establishing my Access Codes?

To add new accounts to Online Banking:

From the wachovia.com home page, log in to Online Banking using your User ID and Password.
From the My Accounts page, select Send Messages in the Customer Service box on the right-hand side of the page, to send us a Secure Email to have the account(s) linked to your Online Banking relationship.
Just include the name on the account and the last four digits of the account number in your Secure Email.

We can also remove accounts. If you change your mind later, we can easily re-add the accounts. If you are a Business customer, please call for assistance at (800) 566-3862, 8:00am to 9:00pm ET, Monday through Friday.

What accounts can I access through Online Banking?

You can access Checking, Savings, Money Market, Command Asset Program, Credit Card, CDs, Lines of Credit accounts, and Installment Loans, mortgage loans, Investment and Brokerage accounts.

Can I transfer funds between different banks?

Yes, you may transfer funds using your accounts at other financial institutions. To transfer between Wachovia and non-Wachovia accounts:

Log into Online Banking.
Select the Transfer Funds tab.
Click the Transfer to or from a Non-Wachovia Account link on the "Create a Transfer" page to set up accounts for transfers.

How soon after a transaction is performed will it appear in Online Banking?

Some transactions, such as ATM withdrawals and funds transfers, will appear immediately. Other transactions, such as Check Card transactions, will not be seen until posted to our system the next day.

How much past account information can I view?

Online Banking allows you to view up to 90 days of account history for deposit accounts and 60 days for credit accounts, including transactions not yet reported on a statement.

Can I view or print a copy of a check?

Yes, you can view images of checks that have posted to your account within the previous or interim statement screens. You can also print or save a copy of the image for your records by clicking on the appropriate button.

Can I change my mailing address online?

Yes, current Online Banking customers may submit a request to change an account mailing address. If you are not currently an Online Banking customer enroll now.

To submit your request:

From the wachovia.com home page, log in to Online Banking.
On the My Accounts page, click Change Mailing Address/Phone Number in the Customer Service box located on the right-hand side of the page.
Enter your new mailing address, home phone number, and work phone number if you have one.
Specify the best time to call you, should we have questions concerning your request.
Provide us with an email address or change your current one.
Click Submit and we will send you an email confirming that the requested changes have been made.

Note: If you wish to change your mailing address for a specific account(s) instead of all your accounts, or you have an international mailing address change, please call 800-WACHOVIA (800-922-4684) 24 hours a day, seven days a week and we will gladly make the change for you. If you are a Small Business customer, please call Business Relationship Banking, (800) 566-3862, 8:00am to 9:00pm, Monday through Friday.

Can I order checks online?

To order checks:

From the wachovia.com home page, enter your User ID and Password to login into Online Banking.
From the My Accounts page, click on Order Checks in the Customer Service box located on the right-hand side of the page.
You will be taken to the Order Checks page. Select an account and then click the Order Checks button. Follow the directions to complete your order.

Charges for check orders are based on the type of account you have. If you have questions, please call (800) 950-2296, 24 hours a day, seven days a week.

How do I change my account nicknames?

To create or change the account nicknames you have assigned to your accounts:

Log in to Online Banking.
From the My Accounts page, click the Edit Account Names link in the Customer Service box on the right-hand side of the page.
Enter an alphanumeric nickname, up to 15 characters for each account you wish to name.
Then click Submit.

Nicknames can be assigned to brokerage accounts, Command Asset Program accounts, certificates of deposit accounts, consumer loans, checking accounts, Individual Retirement accounts, credit cards, credit lines, and savings accounts. Certain characters are not allowed in the nicknames such as &, cents symbol, !, |, upside down L, _, ^, ],<, [, and>.

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