Wachovia Bank online encompasses all the online features that are available on its parent’s website. It has incorporated the features that are of its parent while retaining some of the old schemes and investment options that were devised by the company when it was an independent, public listed corporation.

The main features of online banking at Wachovia include bill payments, account operations, higher investment options including brokerage and stocks, loans and insurance and retirement plans. Apart from the general features, Wachovia Bank Homepage also offers the standard features that are offered by other companies.

Customers can open their accounts by using different features of the company website and can also apply for loans. A separate section deals with retirement plans and savings options and another one deals specifically with lending schemes.

Wachovia online banking can be fully understood if a customer tries to delve deeper and explore all the investment option. An ordinary customer, who is not interested in all the exploration, can simply click on the relevant section of the website or conduct a basic search to reach his/her required section of the company.

Wachovia Bank offers the online chatting feature that enables customers to interact with company representatives and discuss their problems besides fielding questions about any particular branch of investment. The company also operates a call center for 24/7 customer assistance.

Wachovia online checking is basically the process by which customers can open checking accounts with the bank without visiting any branch. They can do it over the company website by following the few basic procedures.

Wachovia checking online extends beyond the opening of accounts. The company offers a complete package when it comes to online banking apart from the basic facilities of checking account status and balance online and viewing online statements. Wachovia also offers the opportunity of viewing, saving and printing account statements of the last seven years.

Wachovia online banking services are divided into three main sectors. One is the general accounting sector where customers can open new checking and savings accounts and keep checks on their spending besides receiving regular updates either in emails or by simply logging into their accounts on the company website.

The second sector covered by Wachovia online banking is the money market and financial sector, including brokerage. Wachovia website offers all the details for investors that are looking for new investment options, stock markets and other plans.

The third sector is related to loans and retirement plans where the customers can find detailed information and can also complete online procedures to apply for new loans or a retirement scheme.

Common online features include the exchange and interest rates, bank news, rules and regulations and online chatting feature where customers can discuss their problems with the online representatives of Wachovia.

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.

Since the takeover of Wachovia by Wells Fargo, the banking officials have decided to clean up the billions of dollars of bad mortgage mess as fast as possible. This is to the advantage of the homeowner needing help. To help assist mortgage owners with this process, there is a new department opened and operating at Wachovia for the sole purpose of making the loan modification process easier.  

One of the requirements from the homeowner is to state monthly income. No present paystubs or income tax returns are needed. Only single dwelling homes are permitted under this program and they must be the homeowner’s principal residence. The aim is to have the mortgage payment at or below 38% of the homeowner’s income.

Even with the help of the professionals at Wachovia, this is a very complicated process. For the best and fastest way to navigate this process, it is advisable that a professional be hired. This person will be on your side and help you through the pitfalls.

By having a professional on your side, he will get you the best possible deal. Remember, this is still an institution that makes part of their income from people like homeowners who owe them money. It is to their advantage to get as high of a monthly payment as possible from every mortgage borrower. There are other financial institutions that offer the mortgage payments as low as 31% of the homeowner’s monthly income. The more knowledge you possess going in will bring you the best results.

For more information on the Wachovia Loan Modification, go to Wachovia Online Banking.

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.

Wachovia Corporation was originally created by the merger of the legacy Wachovia Corporation and First Union Corporation. First Union was considered the acquirer in the transaction with Wachovia, although the transaction was structured as a tax-free union of equals. The combined entity chose to retain the Wachovia name.

Based in Charlotte, North Carolina, Wachovia Bank is now a diversified, wholly owned financial services subsidiary of Wells Fargo. As an independent company, it was the largest bank holding company in the United States based on total assets. Wells Fargo completed the purchase of Wachovia Corporation on December 31, 2008 after a government-forced sale to avoid a failure of Wachovia. The Wachovia brand will be absorbed into the Wells Fargo brand starting in 2009 in a process that was initially estimated to last three years. In July 2009, the Wachovia Securities became Wells Fargo Advisors. The merger is scheduled for completion in March 2010.

Wachovia provides a extensive array of banking, asset management, wealth management, and corporate and investment banking products and services. It is one of the largest providers of financial services in the U.S., operating financial centers in 21 states and Washington, D.C. with locations from Connecticut to Florida and west to California. Wachovia provides worldwide services through more than 40 offices around the world. Banking services are also available with Wachovia Online Banking.

Whether you call it Wacovia Bank or Wachovia, it will still be the same bank.