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Wachovia

- Star Review

Last Updated: 10/24/2009

Wachovia Star Rating

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Online banking is no longer the wave of the future – it's the standard of the present. This is the reason why our team at Star Reviews decided to do some good, old-fashioned research to hand pick your best online banking choices. Wachovia, the serious bank with the funny name, was one of the top contenders in our eyes. We were instantly drawn to their refreshing, simple site layout and couldn’t wait to dig deeper. Read on for the 4-1-1 on Wachovia below.

What's New with Wachovia Online Banking?

Wachovia is now a part of Wells Fargo
Access to both Wachovia and Wells Fargo ATMs
Mobile banking services that let you bank from your cell phone.
Way2Save - FREE automatic savings program - transfers $1 from your checking account to a savings account with every check card purchase or online bill pay

Star Reviews Favorite Wachovia Feature:

We really liked the fact that you can integrate your Wachovia online banking account with popular accounting software such as Quicken, QuickBooks and Microsoft Money. Sure, we'd have like to see it offered for free, but a 3-month free trial is the next best thing and $5.95 a month after that isn't too steep of a price if you really make use of the feature.

About Wachovia Online Banking:

Wachovia Corporation is the baby that came to be when First Union Corporation married Wachovia Bank and Trust. The company's origins date back to 1879 and because longevity is important when selecting your online banking provider, a 100+ year history is quite impressive. This and their wide array of products and services make Wachovia one of the top contenders in the world of online banking. Wachovia is now a part of Wells Fargo.

Navigating the Wachovia Website:

Wachovia's website is a little "busy" but it isn't so cluttered that it's unmanageable. We were able to find the link to Wachovia's online banking page in just minutes and found a wealth of information regarding the company's online banking products and services. However, we would have liked to see the paragraphs and bullet points spread out more. All of the information seemed lumped together and it was all we could do to keep our focus on the site.

On the plus side, Wachovia's website pages loaded quickly, which was a nice change of pace from some of the competitor's sites. This is probably due to the fact that Wachovia forgoes the fancy graphics and, instead, opts to present cold-hard facts in text format rather than bogging pages down with flash presentations.

What Wachovia Online Banking Offers:

Online checking and savings
Free online bill pay
Way2Save - automatic savings program
0.05% APY on Savings Accounts
Online brokerage
Online retirement access
Wireless banking alerts
Integration with QuickBooks, Quicken and Microsoft Money

Wachovia Online Banking Fees:

$0 monthly maintenance fee on free, student, and senior checking accounts
$5 monthly maintenance fee on Premium Savings Accounts - waived if balance is over $300
$20 monthly maintenance fee on Crown Access Checking accounts with less than $4,000 daily balance
Free ATM at Wachovia and Wells Fargo ATMs, $2 fee for non-Wachovia ATMs
$100 minimum opening balance for Free Checking accounts

Wachovia Customer Support:

Wachovia customers can access customer support by calling a toll-free number, contacting a local branch or browsing the website's FAQs. You can also contact online support using an email request form. When contacting Wachovia, we dialed the 800 number and spoke with a very friendly and knowledgeable service representative. The gentlemen described the differences between available checking accounts in detail and gave us tips on where to go for additional information. When the call ended, we felt as though our questions had been addressed more than adequately and we wouldn't hesitate to recommend a call to their support center if you run into any questions.

Upside:

Great customer service, low opening balance requirements, accounting software integration.

Downside:

Rather low interest rates on savings accounts compared to other online banking competitors.

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Wachovia Member Reviews

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Yes - Wells Fargo

by dan94tt who has written 7 reviews and is trusted by 0 members

I am a Wachovia customer of a few years, love the bank. The reviewer above me is correct. According to the last couple letters I got in the mail from Wachovia they have merged with Wells Fargo. It is recent as I haven't received all the information about how it will affect or not affect any of my accounts with them. Overall, I will say I am pleased to be a Wachovia customer of 5-6 years now.

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who owns this bank now

by arthurnyc who has written 27 reviews and is trusted by 0 members

Isnt this owned by Citibank or Wells Fargo?

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