Personal Finance FAQs

• You may access our web site, wachovia.com, 24 hours a day, seven days a week.
• You may also obtain detailed information regarding your loan transactions or general processing instructions from the World Savings automated mortgage inquiry system 24 hours a day, seven days a week. Call us toll free at (800) 642-0257.
• You may speak with a Customer Representative by calling us toll free at (800) 642-0257, Monday through Friday, 8:00am to 8:00pm, Saturday 8:00am to 5:00pm, CT.

You may see details about your loan, review loan activity, set up automatic payments, make individual payments, and more by logging in to Online Banking.

If you are not currently an Online Banking customer, you can
enroll now or call us at 800-WACHOVIA (800-922-4684). We're here to help you 24 hours a day, seven days a week.

To request an address change for your mortgage loan please call (800) 642-0257, Monday through Friday 8:00am to 8:00pm, Saturday 8:00am to 5:00pm, CT.

You may also mail or fax a signed, written request to:

World Savings
Attention: Customer Service
P.O. Box 659558
San Antonio, TX 78265-9558

Fax: (210) 509-1174

If you are an Online Services customer you can easily change your account mailing address as follows:

1. From the wachovia.com homepage, enter your User ID and Password to log into Online Banking.
2. On the My Accounts page, click Change Mailing Address/Phone Number in the Customer Service box on the right-hand side of the page.
   
3. Enter your new mailing address, home phone number, and work phone number if you have one.
4. Specify the best time to call you, should we have questions concerning your request.
5. Provide us with an email address or change your current one.
6. 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) and we will gladly make the change for you.

If you are not currently an Online Services customer, you can enroll now or call us at 800-WACHOVIA (800-922-4684). We're here to help you 24 hours a day, seven days a week.

To obtain information on whether or not your loan is assumable, please contact us via e-mail or call Customer Service toll free at
(800) 642-0257, Monday through Friday, 8:00am to 8:00pm, Saturday 8:00am to 5:00pm, CT.

For customers who’s Adjustable Rate Mortgage (ARM) may qualify for fixed rate conversion, please speak with a Loan Specialist at (800) 909-1825, Monday through Friday, 8:00am to
8:00pm, Saturday 8:00am to 4:00pm, CT.

We calculate the mortgage rate for each new loan based on one of five indexes. For current index rates and explanations of how each index works, please see Adjustable Rate Mortgage Indexes.

With Wachovia Security Plus^SM keeping your financial information secure is our responsibility and our commitment to you.

• We protect customer information through physical, electronic, contractual and procedural measures that comply with or exceed applicable laws and standards.
• We train our employees to protect customer information and only authorize access for employees who we believe have a business need for that information.  Employees are held accountable by Code of Conduct and Ethics to properly protect customer information.
• We maintain policies and procedures that provide for the proper physical security of workspaces and records.
• We require contractors and other companies that provide services on our behalf to protect information, and we prohibit those companies from using it for any other purpose. We only provide them with information that we believe is necessary to fulfill their responsibilities or to provide a financial service to you.

Please review our privacy statement.

If you are not currently an Online Banking customer, you can
enroll now or call us at 800-WACHOVIA (800-922-4684). We're here to help you 24 hours a day, seven days a week.

After enrolling, you may log in to Online Banking immediately.

Online Services customers can reset a password quickly and easily online.

1. To reset your Password, go to wachovia.com and select the User ID & Password Help link located under the login boxes.
2. You will then be able to view the User ID and Password Guidelines. Scroll down and select Reset Your Password.
3. Enter your User ID, account number, Check Card/ATM Card number, and Check Card/ATM Card PIN.
4. Click Next and you will be able to enter your new password.
5. Click Next for a confirmation of your change.

If you have any problems or need assistance, please call Online Services at (800) 950-2296, 24 hours a day, seven days a week.

Just follow these instructions to retrieve the User ID you selected.

1. From the wachovia.com home page, select User ID & Password Help, located just below the login boxes on the left side of the page.
2. On the User ID & Password Help page, select Forgot Your User ID.
3. On the Retrieve User ID page, please enter your account number, Check Card/ATM Card number, and your Check Card/ATM Card PIN.
4. Click Next and your User ID will be displayed.

If you have any problems or need assistance, please call Online Services at (800) 950-2296, 24 hours a day, seven days a week.