Overview

If you are 50 or over, you need a checking account that's as flexible as your increasingly active lifestyle. It has to be simple to manage and easy to access. And, of course, it helps if it's free as well.

Access Fifty Checking: the account for where you are in life.

• No minimum balance and no monthly service fee
• No Direct Deposit required
• Discounted checks & unlimited check writing
• Unlimited teller transactions
• Unlimited use of Wachovia ATMs

There's more. We'll pay you a 5% bonus to save ^{note 1}—for free.

Link your Access Fifty account to the Way2Save^SM savings program and we'll pay you a 5% bonus to save.

Get the things you want. For free.

• Free Check Card available with free Wachovia Possibilities Rewards^®
• Free Online Banking with BillPay
• Free Balance Alerts, Online Statements & Mobile Banking^{SM note 2}
• Free Direct Deposit
• Free notary services
• Free automated telephone service

Enjoy the security you need. Also for free.

• Free Wachovia Security Plus^SM—our commitment to protect your privacy and security
• All accounts are FDIC insured to the maximum amount allowed

What You Get

Sometimes, it's what you don't get.

Wachovia Access Fifty Checking offers no minimum balance, no monthly service fee, and no Direct Deposit requirement.

Another great feature—Wachovia Security Plus^SM. This service uses sophisticated analysis tools and processes to pinpoint and analyze unusual activity, keeping your personal and financial information safe. We're also FDIC insured.

Access Fifty Checking isn't about limits.

You'll enjoy unlimited check writing, unlimited use of Wachovia ATMs and unlimited teller transactions at Wachovia financial centers. It means you can write as many checks as you need and access Wachovia's 5,300 plus ATMs and 3,400 financial centers—all for free.

We'll pay you a 5% bonus to save. ^{note 1}

Link your Access Fifty Checking account to the Way2Save^SM savings program and we'll pay you a 5% bonus to save. We'll also automatically transfer $1 from your checking account to your Way2Save account when you make a Check Card purchase, pay bills online through Online Banking with BillPay ^{note 4} or set up automatic debits.

Use your check card to save time and earn rewards.

Nothing says convenience like a free Wachovia Visa^® Check Card available with free Wachovia Possibilities Rewards^®. It's a safe alternative to cash, works like a check and ATM card and has no monthly service fee.

Plus, enroll in Wachovia Possibilities Rewards^® and earn points for your everyday purchases. You can combine points with any of your enrolled Wachovia Credit or Check Cards and redeem them for great rewards like airline tickets, restaurant and retail gift cards, merchandise and more.

Save time. Save stamps. Save the environment.

Online Banking with BillPay, Balance Alerts, Online Statements and Wachovia Mobile™ ^{note 2} are all free with Access Fifty checking accounts—24 hours a day, seven days a week.

"Free" may be our favorite word:

• Free Direct Deposits
• Free automated telephone service
• Free notary services

Fees

Open your account today with only $100

The minimum opening deposit for Access Fifty checking is $100, then you'll enjoy:

• No minimum balance
• No monthly service fee
• No Direct Deposit requirement

Avoid Fees with Overdraft Protection

We know that things happen, so we've made it easy for you to avoid overdrawing your Access Fifty checking account. Simply link it to another Wachovia deposit or credit account to avoid overdraft charges.

First time NSF/Overdraft fees without overdraft protection can cost you $22. With overdraft protection, the fees are reduced to the following:

Source of Overdraft Protection Funds	Transfer Fee
Another Wachovia checking, savings or money market account	$10 per transaction
Wachovia Line of Credit	$10 per transaction
Wachovia Credit Card—transfer amount will be treated as cash advance	$5 per transaction

In addition to the above, you can sign up for free Balance Alerts through Online Banking with BillPay, and receive your account balance daily or be notified when your account balance falls above or below the amount you set.

Checking Account Transaction Fees

• Stop Check Payment, $25-$31 depending on state
• Discounted Exclusive or Safety Paper Checks, $5 per box
• $5 discount on any other style checks
• Non-Wachovia ATM Withdrawals or Inquiries, $2 ^{note 5}
• Incoming Domestic Wires, $10-$15 depending on state
• Outgoing Domestic Wires, $25

For a complete list of fees, please request the Schedule of Fees and Funds Availability from 800-WACHOVIA (800-922-4684).

FAQs

• Access Fifty Checking. Is it right for me?
• What is the minimum amount required to open an Access Fifty Checking account?
• Will I be able to make a deposit into my new account during the online application?
• Is there a monthly service fee or direct deposit requirement for the Access Fifty Checking account?
• Is there a direct deposit requirement for an Access Fifty Checking account?
• Does Access Fifty Checking include a check card?
• What about a discount on checks with my Access Fifty Checking Account?
• Do I have unlimited access to financial centers, Wachovia ATMs, automated telephone service, and Online Banking with BillPay with an Access Fifty Checking account?
• Does Access Fifty Checking include free Online Banking with BillPay?
• Can I add Way2Save to any checking account?
• What do I need to open an Access Fifty Checking account?
• Will Wachovia do a credit check when I apply for a checking account?
• Where can I find more frequently asked questions about Wachovia Checking Accounts?

Access Fifty Checking. Is it right for me?

Are you 50 or better and looking for a free checking account that really is free? With Access Fifty Checking, there are no monthly service fees, no minimum balances and no Direct Deposit requirements.

What is the minimum amount required to open an Access Fifty Checking account?

Got $100? That's the minimum opening balance for an Access Fifty checking account. Once you open your account, there is no minimum balance requirement.

Will I be able to make a deposit into my new account during the online application?

Yes. You will just need the account information (routing number and account number) for the bank account you will transfer funds from to make the deposit. All the info you need can be found on a blank check for your other account.

Is there a monthly service fee or direct deposit requirement for the Access Fifty Checking account?

No. Access Fifty Checking has no monthly service fees.

Is there a direct deposit requirement for an Access Fifty Checking account?

Not at all. You don't have to sign up for direct deposit to qualify for Access Fifty Checking. Still, it's not a bad idea.

Does Access Fifty Checking include a check card?

Yes. After all, a check card is one of the easiest ways to manage your money. And your free Wachovia Visa^® Check Card does not have a monthly service fee and comes with free Wachovia Possibilities Rewards^® which allows you to earn a point for every $1 you spend. There are also special discounts and offers from select merchants.

What about a discount on checks with my Access Fifty Checking Account?

OK, you convinced us. Selected check styles are $5 per box. Or you can receive a $5 discount on another style.

Do I have unlimited access to financial centers, Wachovia ATMs, automated telephone service, and Online Banking with BillPay with an Access Fifty Checking account?

Absolutely. That's part of what makes it such a great account. You can use Wachovia's financial centers, ATMs, automated telephone service and Online Banking service as often as you like without incurring a fee.

Does Access Fifty Checking include free Online Banking with BillPay?

Yes. Your account comes with free, 24/7 access to your account online. You can check account balances and securely pay bills anytime, anywhere. Transfer funds between eligible Wachovia accounts and non-Wachovia accounts at other domestic financial institutions ^{note 6}, view bank statements online, set up Balance Alerts, and bank on the go with Mobile Banking ^{note 2}.

Can I add Way2Save to any checking account?

Yes. For free. We'll pay you a 5% bonus to save ^{note 1}. And automatically transfer $1 from your checking account to your Way2Save account when you make a Check Card purchase, pay bills online through Online Banking with BillPay ^{note 4}, or set up automatic debits.

What do I need to open an Access Fifty Checking account?

Open the account online, if you wish.

If you're a new customer, we'll need to see your Social Security Number, one form of identification (Driver's License, State ID or Military ID), and the account information from your other bank to make your opening deposit (Hint: You can find this info on a blank check).

If you're an existing customer, we'll need your existing online services User Name and Password, checking account number, Check Card or credit card number, and PIN.

Will Wachovia do a credit check when I apply for a checking account?

Yes. We will verify your personal information and credit history with the consumer reporting agencies.

Where can I find more frequently asked questions about Wachovia Checking Accounts?

More questions and answers are available in our Checking FAQs.