You want banking to be as simple, efficient, and economical as possible—regardless of the time of day, the day of the week, or where you are in the world. You get a whole toolkit of easy-to-use online resources to achieve that kind of banking convenience at wachovia.com. Start here to learn about some of the ways we can help.

Bank Around the Clock

Whether you're at home, at work, or away on vacation, Wachovia Free Online Banking with BillPay is there for you. You can use it to:

• Check account balances and securely pay bills anytime, anywhere you have Internet access.
• Transfer funds between eligible Wachovia accounts and your non-Wachovia accounts at other domestic financial institutions. ^{note 1}
• View bank statements online, set up Balance Alerts, reorder checks, and much more.

Free Online Banking gives you access to any of your Wachovia accounts—checking, savings, money market, CDs, loans, and credit cards. All for free. And when you need cash, a Wachovia Check Card lets you make withdrawals at thousands of ATMs from your Wachovia Checking Account, High Performance Money Market Account, or Premium Savings Account.  Learn more.  View a demo.  Apply now.

Carry Your Bank with You^SM

With free ^{note 2} Wachovia Mobile^SM, a feature of Online Banking with BillPay, you can enjoy the convenience of mobile banking and security of managing your Wachovia accounts from your mobile device. View and monitor account balances and transactions, make one-time transfers between eligible accounts, make payments and more. Wachovia currently offers two ways to access your accounts from your mobile device: through a mobile application or through an Internet enabled browser. Learn more about our mobile banking options.

Save Yourself Trips to the Bank

Wachovia delivers! You can have payments from your employer, social security, investments, or other income sources automatically deposited into your Wachovia Checking, Savings, or Money Market Account. It's safe and secure, and you get access to your money at the start of the business delivery day. It just takes a few minutes to enroll for our direct deposit service.  Learn more.  Apply now.

Dodge the Overdraft

No matter how careful you are with your money, sometimes things just happen. With Wachovia, it's easy to avoid the hassle of overdrafts and extra cost of returned checks that can result from a simple mistake. You can link your checking accounts to another Wachovia deposit or credit account and have funds automatically transferred to cover the overdraft amount. And if you have a Crown Banking^SM, Crown Select Banking^SM, or Crown Classic Banking^®, there's no charge for this convenient overdraft protection.  Learn more.  Apply now.

How to Get in the Savings Habit

You have a lot of good reasons to save, whether for a long-term goal like retirement or a child's education, or more immediate goals like next year's vacation or a flat-screen TV. But if you're like a lot of people, you have good reasons for not saving, also: it isn't easy to find the extra money to set aside, you need to keep reminding yourself, it takes discipline and will power.

You can overcome these obstacles and make saving money a habit you don't even have to think about with Wachovia's Way2Save^SM program. The Way2Save program makes saving automatic: you get $1 automatically transferred from your checking account to your Way2Save account when you use your Wachovia Check Card to make a purchase, pay bills online including through Online Banking with BillPay ^{note 3} or set up automatic debits from your checking account. To reach your savings goal even faster, you can set up an automatic transfer of up to $100 per month from your checking account to your Way2Save account. You'll earn a 5 percent first-year bonus on the money you've saved and 2 percent the second and third years. We think our Way2Save program is the easiest way you'll find to get into the saving habit. Learn more about our automatic savings account.

Once you've started saving, you'll find motivation and encouragement to keep at it by monitoring your progress through free Online Banking with BillPay. You can check your interest payments and balances to see how much closer your savings are to reaching the goals you've set. You can also add to your savings or money market accounts by arranging for automatic transfers from your checking account, or periodically making transfers yourself when you have extra funds at the end of the month.

How Else Can We Help?

We'd like to hear from you to learn more about your needs and how we can improve our online services. If you have any feedback for us, please send us an email.

We also know that there are times you'd like to discuss your banking situation with a person. You'll find a friendly, professional advisor at any Wachovia financial center, or by calling 800-WACHOVIA (800-922-4684).