A diversified, wholly owned subsidiary of Wells Fargo based in Charlotte, North Carolina, Wachovia provides a broad range of banking, asset management, wealth management, and corporate and investment banking products and services.

Online banking with Wachovia provides you with the convenience so you have more time to do other more important things. Enroll yourself on the Online Banking with BillPay and you will be able to check your account activity and balances or view your statements online. You will also be able to manage your accounts through Wachovia Mobile. When you need to transfer funds between eligible accounts, you can do so online in less time. You can also pay your bills online as well as view the images of paid checks.

With Online Brokerage, you can access your investments, get real time quotes, place orders and confirm trades, keep track of the market, or even research a company or an entire industry. It is the easiest way to stay on top of the market and your investments. You can enroll any type of Wells Fargo Advisors brokerage account in Online Brokerage, as well as a Command Asset program, IRA, or standard brokerage account. If you are an active online trader, the new Wells Fargo Advisors Direct tiered commission schedule allows you to take advantage of lower trade commissions including lower per share price.

You have a 24-hour access to your account if you are a participant of a retirement plan with Wachovia through Wachovia Online Retirement Access. Through it, you can make adjustments or relocate contributions whenever you want. You can do all these and much more, with Wachovia Online Banking.

Banking with Wachovia Bank Online will make life a little easier and convenient.

WDS provide an extensive credit range of lending to the auto industry; commercial, real estate and floorplan financing and a wide series of banking services through Wachovia Bank, N.A. They also offer F & I after-market products and services through Warranty Solutions, which is part of Wachovia Dealers Services group of companies. WDS has relationships with over 10,500 auto dealers and a consumer loan portfolio of $29 billion.

If you are in the market to refinance your auto loan or are looking for other types of vehicle and personal financing, WDS has the tools you could use. It is your one stop site for new loans or to manage your current loans. If you are looking to refinance your car because you have a high rate loan with another lender or if you just want to find out if refinancing is for you, their Auto Refinance is a valuable resource with easy processing and is convenient. With Auto Refinancing, you will be able to apply for your loan online. You will able to find pricing on new and used cars, trucks, and vans along with a used vehicle’s history before you begin shopping. If you are looking to buy an RV or a boat, this financial institution can help you make a RV, boat purchase or refinance needs through Financial Underwriters Network. They also have insurance products plus online credit monitoring.

For dealers wanting to drive their dealership to greater success, WDS has auto financing programs, commercial banking relationships with Wachovia Online Banking, warranty solutions, Guaranteed Asset Protection programs, plus other tools and services as well as dealer support programs to serve all your business needs.

Visit the Wachovia Dealer Services website to learn a lot more.

If you are near or within the 19132 zip code, there is a branch at Glenwood Financial Center on 2843 N Broad St. They have safe deposit boxes, 2 ATMs, night depository, and can entertain Spanish speaking customers. Office hours from Mondays to Thursdays are 9:00am to 5:00pm and on Fridays, its 9:00am to 6:00pm.

If you are near or within the 19123 zip code, there is a branch at Fishtown Financial Center on Two W Girard Ave. They have safe deposit boxes, 2 ATMs, night depository, and can entertain Spanish speaking customers. Office hours from Mondays to Thursdays are 9:00am to 5:00pm and on Fridays, its 9:00am to 6:00pm.

If you are near or within the 19130 zip code, there is a branch at Philadelphian Financial Center on 2401 Pennsylvania Ave. They have safe deposit boxes, 1 ATM, and night depository. Office hours from Mondays to Thursdays are 9:00am to 5:00pm and on Fridays, its 9:00am to 6:00pm.

If you are near or within the 19140 zip code, there is a branch at Nicetown Financial Center on 601 W Erie Ave. They have safe deposit boxes, 2 ATMs, night depository, and can entertain Spanish speaking customers. Office hours from Mondays to Thursdays are 9:00am to 5:00pm and on Fridays, its 9:00am to 6:00pm.

If you are near or within the 19102 zip code, there is a branch at Center Square Financial Center on 1500 Market St. They have safe deposit boxes, 3 ATMs, and night depository. Office hours from Mondays to Thursdays are 9:00am to 5:00pm and on Fridays, its 9:00am to 6:00pm.

All Philadelphia branches are closed on the weekends. Also, Wachovia Branches and Financial Centers will be closed on Monday, January 18, in observance of the Birthday of Martin Luther King, Jr.

Check Wachovia Online Banking for other Wachovia Philadelphia Bank locations.

Currently, Wachovia has three featured Fixed Rate CDs. These are the 23 month CD, 30 month CD, and the 37 month CD. All require a minimum deposit of $5,000 and a Wachovia Checking account. The 23 month CD has an interest rate of 1.14% with an APY of 1.15%. The 30 month CD has an interest rate of 1.73% with an APY of 1.75%, and the 37 month CD has an interest rate of 2.13% with an APY 2.15%.

Other Fixed Rate CDs are also available for a minimum opening balance of $1000. The 3 month CD has an interest rate of 0.01% with an APY of 0.01%. The 6 month CD has an interest rate of 0.25% with an APY of 0.25%. The 9 month CD has an interest rate of 0.35% with an APY of 0.35%. The 12 month CD has an interest rate of 0.40% with an APY of 0.40%. The 18 month CD has an interest rate of 0.60% with an APY of 0.60%. The 24 month CD has an interest rate of 0.70% with an APY of 0.70%.

These rates are accurate as of 01/12/2010 and apply for the full term of CDs opened as of 1/13/2010. A different rate may apply for CDs opened after this dates.

Visit Wachovia Online Banking for more details of Wachovia CD rates update in your area.

The promotional balance transfer APR is 0% fixed APR for 6 months from the account opening date on balance transfer transactions. After that, your variable Standard Purchase rate applies to any outstanding balance you may have. To start receiving the promotional rate, balance transfer transactions must occur within 3 months of opening the account. The 0% fixed promotional APR does not apply to card purchases or cash advances. It only applies to balance transfers, and balance transfers and purchases made by using the Promotional Convenience Checks that arrive with your Welcome Kit. Welcome Kit Checks used 3 months after opening the account to do a balance transfer or make a purchase will post to your account at your Standard Cash Advance APR. The Standard Cash Advance APR is 21.15% variable. If your account is consistently past due or you are always late at making monthly payments, the fixed promotional rate may increase. The Default/Penalty APR is 29.99% for all balances consistently past due or late monthly payments.

The Platinum with Rewards APR for purchases is 8.99% to 19.99% variable. The Standard Purchase APR is assigned at account opening and determined after your application and your credit history is reviewed.

Once your application is approved and have accepted Platinum with Rewards Credit Card account, you are automatically enrolled in the Wachovia Possibilities Rewards Program to earn points. Points will be earned based on net dollars of purchases at a rate of 1 point per dollar for Platinum with rewards. Points may be redeemed for travel merchandise, retail, and restaurant certificates and gift cards which may be redeemed with participating merchants. Check with Wachovia online banking for complete details.

The Wachovia Visa Platinum with Rewards Credit Card account terms and fees can be changed by Wachovia at any time for any reason.

Their web page is easy to navigate to what you specifically need by browsing any of the six categories. These categories include Contact Us, Account Services, Top Questions, Privacy and Security, User Profile, and Frequently Asked Questions.

Under the Contact Us are several different options. These are Personal Finance Contacts, Small Business Contacts, Corporate & Institutional Contacts, Wealth Management Contacts, About Wachovia contacts, and a place to submit Feedback About Our Site. This is available for any comment that a client or customer might have that can improve the quality of the site or services Wachovia provides.

The Account Services that are offered are the ordering of checks, wire transfers, request overdraft protection, lost or stolen check cards, lost or stolen credit cards, stop payment on a debit or credit card transaction or a check that is in process of being cleared. There is foreign currency information and rates and this is where you can view your account statements online, free of charge.

The privacy and security have options of to report suspicious email, Wachovia Security Plus, email and website fraud, privacy statement, security statement, and the online services guarantee.

User Profile has reset password, change password, change of mailing address, update alert services, change of email address, change secret questions and answers, and forgot user id assistance.

There are also links of further assistance for software help, system requirements, site map, glossary of terms, and an online services demo.

With all of your online banking needs, the Wachovia Customer Service web page is ready 24/7 to assist you.

The security for those services is covered with The Wachovia online service guarantee. There is 100% coverage against any funds that are removed from your personal account that was not done by yourself. This includes all interest that would have been obtained and the cancelation of any fees associated with this type of illegal transaction like overdraft charges and insufficient funds fees. As part of this security service, every login is encrypted into a code and can only be deciphered by the system at Wachovia. This is done with each and every login. There are occasions missing funds are not noticed until the statement is read by the account holder. For this reason the account holder has 60 days from receiving their statement to make a claim of misappropriated funds.

Beyond the security of their online system, Wachovia also provides online banking where an account holder can manage their funds. There is BillPay for paying all those bills without a worry about them being late or paying for postage. All activity on any account can be viewed along with the current balances. Statements are viewable online along with images of paper checks that were issued.

Wachovia accounts are also accessible thru Wachovia Mobile. This way you can manage your accounts from your mobile phone or blackberry.

Wachovia online banking is as easy as login in to the secure network and clicking on the service that you wish to attend to. Wachovia Banking Online your money is always safe and secure.

This fabulous rewards program has over 400 leading merchants participating including Home depot, Target, hotel.com, Apple store and Barnes and Noble. There is now a world class travel service available online to help you use your points to their fullest. This includes both domestic and overseas flights and vacations. In addition to the normal catalog to choose from, there is an exclusive online auction that card holders can place bids on for certain items. For those that are unsure of what they want, gift certificates are available.

The total amount of points that can be acquired before redemption has no limit. These points also never expire. Extras points can be acquired by making purchases at Earn More Mall. The more you use your Wachovia credit card, the more you earn. This includes paying your monthly bills. Each time, no matter what it is, you earn points by paying for needed items with this great card.

The points are acquired in 250 point increments. Points are redeemed with each purchase unless you are required to enter a pin number. Most other purchases are qualified purchases.

Use Wachovia Online Banking today and sign up for the Wachovia possibilities rewards program and start earning points today.

The business cards from Wachovia are like having an investor ready to help when need capital is to be invested in the business. These cards come standard with built in fraud protection and a 24/7 help desk to assist with any problems or questions about your business credit card.

One of the advantages of the Wachovia Business Credit Card is in the rewards program. The rewards points from the different accounts can be moved and accumulated into just one of the accounts. This way the boss gets the perks and not just the employees. Another advantage is in the monthly consolidated statement. These will clearly state what is being spent on what, how much and by whom. When budgeting the cash flow, a business will find this a handy and essential tool to utilize.

Standard features and services offered with the Wachovia Business Credit Card are no annual fee. There is also an introductory rate of 1.99% APR for the first year on all balance transfers. These transfers must be done within the first 3 months of activating the business credit card. The standard rate of interest rate is the prime rate plus 7.99 to 11.99% that is set by your credit rating. There is no fee for addition cards for all of your employees.

The fastest and easiest way to apply for a Wachovia Business Credit Card is to use the Wachovia Online Banking system that is available by just logging in.

First, every bank offering online access should, at the very least, have a tough bank online banking of security measures to keep your information and accounts safe.  This is an industry standard and if your bank only requires the bare minimum to log into your accounts–even just to view balances–then you need to pack up and go elsewhere.

The minimum requirements for online banking are simple: access to account balances, histories, and transfers.  Everything you can do at an ATM, you should be able to do online (except get cash, of course–wouldn’t that be nice?).

Most people banking online prefer to have the ability to look at canceled checks, do at least the minimum with mobile banking (checking accounts) and many like getting alerts when events happen such as automatic deposits, withdrawals, or checks clearing.

A bank online banking usually offers all of their basic banking information, such as rates, fees, branch locations, background on some account types, and so forth.  This helps the customer and saves phone calls and emails to get answers.  Your online banking service should offer plenty of information about the institution, the accounts they offer, and so forth.

Overall, banking online has become a mainstay and is considered standard now for banking services.  If you’re not banking online, you’re probably feeling awful outdated.  It saves time, frustration, and makes life on the go much easier.