Compare Checking Accounts
Whether you want a checking account with just the essentials or an account with premium benefits, you will find that all Wachovia checking accounts come loaded with features customizable for the way you bank every day.
We also have account options for ages 50+: Access Fifty Checking® and Crown Classic Banking®.
| Type of Account | Free Checking | Free Student Checking | Crown Banking® |
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Open Account |
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View additional Premium accounts |
| Best for you if | You want a basic checking account without monthly fees | You're a student ages 15+ | You're willing to maintain a higher balance in your checking account to receive additional discounts and benefits |
| Minimum initial online deposit | $100 | $50 | $100 |
| Monthly service fee | $0 | $0 | $0 if you maintain the daily balance requirement, otherwise $20 |
| Daily balance requirement | $0 | $0 | $4,000 with direct deposit OR $5,000 without direct deposit OR $10,000 in CDs, IRAs, credit lines or loans note 1 |
| Interest-bearing | No | No | Yes |
| Non-Wachovia ATM fees per transaction note 2 | $2 | 12 free per statement cycle with College Connection, then $2 note 3 | 2 free per statement cycle, then $2 |
| Free person to person customer service inquiry | 2 calls per statement cycle | 2 calls per statement cycle | Unlimited |
| Free extra account with no monthly fee | 1 Premium Savings account | 1 Premium Savings or money market account | |
| Free Way2SaveSM program | Yes | Yes | Yes |
| Safe Deposit Box | Cost varies by size | Cost varies by size | Free note 4 |
| Additional Benefits | Free notary | Free notary, incoming domestic wires | Free notary, money orders, official checks, single signature traveler's checks, incoming domestic wires |
| Product |
Free Checking | Free Student Checking | Crown Banking® |
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Open Account |
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View additional Premium accounts |
Free Benefits with all Wachovia Checking
- Free Check Card available with free Wachovia Possibilities Rewards®
- Free Online Banking with BillPay
- Free Balance Alerts and Online Statements
- Account security and protection
- Free direct deposit
- Unlimited check writing