Online Services FAQs

Before you can enroll in Online BillPay, you need to be enrolled in Online Banking. You may enroll online, or call (800) 950-2296. Our customer service representatives are available to help you 24 hours a day, seven days a week.

To enroll in Online Banking:

1. Go to the wachovia.com home page.
2. Under Sign Up for Online Banking, select the Sign Up link.
3. Follow the instructions given in the Online Services Enrollment Overview.

To enroll in Online BillPay:

1. Go to the wachovia.com home page.
2. Enter your User ID and Password and select Online Banking in the Service box.
3. From the My Accounts page, select the Pay Bills tab.
   Note:  If you are currently enrolled in Online BillPay, you will not receive the enrollment page.
4. On the Online BillPay Enrollment Page, select your primary account to use for paying bills and click Yes or No to confirm your email address.
5. Click on Next to continue the enrollment process.

If you are a Small Business customer, in order to enroll in Online BillPay, you must be enrolled in Wachovia Business Online. To enroll in Online BillPay, please call (800) 566-3862, 8:00am to 9:00pm ET, Monday through Friday.

Note:  If you were previously enrolled in Online BillPay and wish to re-enroll, please call (800) 950-2296, 24 hours a day, seven days a week and we will be happy to reestablish your service.

Our Online BillPay service is easy to use. Set up a list of people and businesses you want to pay, choose which checking account you want the bills paid from, and enter the amount and pay date.

Pay bills virtually to any person or company in the U.S.
Online BillPay allows you to pay your bills securely and conveniently. You can schedule payments up to one year in advance.  You can schedule payments for a single occurrence or schedule repeating payments to be paid automatically.

Schedule automatic payments
An automatic payment is a future scheduled payment for the same amount, such as rent or mortgage that occurs at regular intervals. Automatic payments can be set for various time intervals such as weekly, monthly and annually.  Setting up automatic payments is a great way to save time and manage your finances.

See pending payments
The Pending Payments section presents a quick summary of the payments you scheduled but have not processed yet. If a payment has not started processing, you can cancel it.

Receive bills electronically 
Some of your billers will be able to send your bills electronically. When you receive an electronic bill you can view, pay, and file it all online.

See bill history 
You can view all of your bills and processed payments for the last six months and any scheduled payments up to one year in the future.

With all Online Banking services, your User ID and Password combination prevents unauthorized entry to your account. When you use Online BillPay, you access the Internet via a secure connection with the highest level of encryption available. See our Security FAQs for more questions about encryption and browsers.

There is no service charge for Online BillPay.

You can pay anyone in the United States that you would normally pay by check or automated debit. Even if you do not receive bills from a company or individual you want to pay, you can add the information we need to send the payments.

You can make state and federal tax payments and court-ordered payments.  However, such payments are discouraged and must be scheduled at your own risk.

Any checking or Command Asset account can be used for Online BillPay.

You can schedule a payment even though you may not have sufficient funds in your account. Funds are deducted on the pay date. If there are not enough funds to cover the payment on the pay date, then your account will be overdrawn which may result in an overdraft fee.

Payments must be equal to or greater than $1.00.

Yes.  We will pay your bills by the due date when payments are scheduled according to the Customer Agreement for Wachovia Online Services.  Read more about our Online Services Guarantee.

There are two ways payments are withdrawn from your account.

1. In most cases, funds will be deducted from your account on the pay date you specify.
2. For some billers such as small businesses and individuals, a paper check will be sent. In these cases the money will be deducted from your account at the time the biller deposits or cashes the check. This is no different than if you had written a paper check.

Yes, all payments made through Online BillPay will appear on your checking account statement, displaying the date and amount of the payment. 

We recommend that you schedule your payments to be received a few business days before the actual payment due date.  The pay date is the date you want the biller to receive your payment.  Some billers may not always credit your account on the same day that they receive the payment.  Allow for extra time in this situation so the payment is not considered late.

We cannot guarantee that 100% of your payments will be sent electronically.  Some billers cannot receive payments electronically.  Keep in mind that whether the payment is sent electronically or as a paper payment, the service delivers the payment to the biller on the scheduled pay date.

The biller receives the payment on or before the scheduled pay date you specified.  Some billers may not always credit your account on the same day that they receive the payment.  Allow for extra time in this situation so the payment is not considered late.  If you want to verify the payment posted, you may want to wait a day or two after the scheduled pay date before contacting the biller.

If you have a question about a payment or you believe an error has occurred, you can send a payment inquiry using the Payment Inquiry feature by going to the Bill History page, find the payment in question, click View Detail and then click the Payment Inquiry link or call Online Services at (800) 950-2296, 24 hours a day, seven days a week.