Online Banking 411

The services from Wachovia Banking Online are backed by the power and financial stability of Wells Fargo. All of their online services are just a finger tip away.

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.

Now that Wachovia is making the switch to Wells Fargo due to the merger, we thought we should look at home loans at Wachovia and how they’ve changed.  They’ve changed to become fully integrated with Wells Fargo and most current Wachovia mortgages customers should be receiving their information from Wells Fargo now, though the loan terms themselves didn’t change, of course.

The new offers thanks to this merger, though, make home loans at Wachovia different and worth considering now.  So we here at Online Banking 411 thought we’d bring you the latest numbers from the Wells Fargo/Wachovia mortgage loans offers.

For a 30-year fixed rate mortgage, current offers are as low as 4.875% (5.065% APR) or 5.00% (5.717% APR) on an FHA.  These don’t include Jumbo loans, of course, but those are competitive Wachovia mortgages.

For a 15-year fixed rate mortgage, the low offer is 4.375% (4.7% APR).

For those who prefer or need an adjustable rate mortgage (ARM), 5-year ARM home loans at Wachovia come as low as 3.875% (3.810% APR) or 3.75% (3.342% APR) for FHA ARM loans.

These Wachovia mortgage loans aren’t bad offers at all, now that the Wells Fargo merger is done.  Rates for you will vary by geographic area, situation, credit score, and so forth, but these low rates are a good incentive to see what Wachovia mortgages might be offering you.

Consult your financial adviser and a mortgage broker before choosing a loan offer, of course.

Now that Wachovia is changing over to Wells Fargo, having been bought out, we here at Online Banking 411 wanted to look at teh changes so far to Wachovia Online Banking 2009.  And look at what we like about the Wachovia online banking site and hope to see kept around after the change to Wells Fargo.

One thing that the online banking at Wachovia website had that Wells Fargo doesn’t, in our opinion, is looks and simplicity.  The graphics are simple, easy on the eyes, and the page isn’t cluttered with color changes and intrusive links.  Wells Fargo?  Bright red.  Not pretty.

The services offered by both banks are basically the same, however.  Wachovia Online Banking doesn’t have the reputation that Wellls Fargo does, however.  Looking around the Internet, several reviewers and customers seem to be happy with the guarantees that Wells Fargo offers while Wachovia Online Banking 2009 never seemed to have those kinds of protections.

An improvement thanks to the merger is the incorporation of the automatic savings program which deducts an extra $1 from your checking every time you use your debit card and puts it into your savings account.  This automatic savings is a bonus to online banking at Wachovia now that it’s switching to Wells Fargo.

The one thing that we really hope Wells Fargo keeps when the Wachovia Online Banking site is totally integrated with theirs is the simple layout and crisp page load times.  Wells Fargo, frankly, doesn’t have that and it would be a lesson learned if they incorporated that into a new site when the merger with Wachovia Online Banking 2009 is complete.

There are many reasons to have a credit card account at Wachovia, possibilities rewards program is just one of them. An advantage of having more than just one type of credit card with Wachovia is that all of your rewards from all of your accounts can be combined into one place for redemption. This can assist when deciding on which of the great gifts you wish to have.

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.

For the businessman, Wachovia Business Credit Card can be a very good business tool to use. Every business in America runs to some point on credit. Getting the most out of your business credit card will help you and your business succeed.

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.

For those consumers that are looking for trust and reliability, then the Wachovia Visa Platinum rewards card could be the credit card for you. This credit card was designed to fit the needs of the consumer with a good credit history and looking for reliability when it comes to their financing.

This platinum card is issued with a special introductory fixed rate of 0% APR on all purchases and transfers for the first 6 months. For the transfers to receive this discount rate, they must be in the account in the first 3 months of activation of the card. The promotional APY does not apply to cash advances.

In most cases a late fee on a payment will be waived on its first occurrence in the initial 12 months of an account being opened. For customers that always pay their bills on time, the reward is always receiving the lowest possible interest rates on purchases and transfer, so avoid any late payment if possible.

For card holders that have a Wachovia checking account, that account can be linked to your credit card which can provide an overdraft protection. This will help eliminate any possibility of fees for accidental purchases that are over your credit limit.

The Wachovia Visa Platinum rewards card does include rewards as it states in the name. This reward program can be found at wachoviapossibilities.com. There over 400 top brand merchants can be found and their products redeemed from the points acquired from customers with a Wachovia credit card.

When searching the web for information, surfers should visit Wachovia Online Banking for all the latest offers including the Wachovia Visa Platinum rewards card.

Today, here at Online Banking 411, we’re going to look at what is offered in Wachovia loan rates.  There are several types of Wachovia loans, of course, so we’ll look at each individually and see what’s being offered right now.

All rates listed will assume you have the pre-requisites for that type of loan, such as good credit, required equity or down payments, income verification, and so forth.

For educational loans, the loan rates at Wachovia are 5.60% and 6.80% annual percentage rate (APR) fixed, depending on options, for a Stafford Loan while ParentGrad loan coverages are at 8.50% APR fixed.

Mortgage loans are also an important consideration for loan rates at Wachovia.  A 30-year fixed loan is as low as 5.125% or 5.318% APR.  An FHA bumps that up to 5.5% or 6.245% APR.  15-year fixed rate Wachovia loans are 4.625% or 4.952% APR.  Adjustable rates (ARM) loans on 5-year (or 5/1) terms are at 4.00% (3.856% APR).  An FHA ARM of the same type is 3.875% or 3.477% APR.

If you’re interested in a vehicle purchase, Wachovia loan rates will vary by location, of course, but new vehicle purchases are at 7.6% APR and 8.2% APR on national average.  Larger purchases for motor homes will be different and smaller purchases such as motorcycles and ATVs are at higher interest, but shorter terms.

Finally, several credit card offers are available for those who need Wachovia loans that aren’t tied to anything.  Most have a 0% introductory rate for up to six months and offer 8.5% APR and higher in rates, depending on credit worthiness and card type chosen.  For newcomers to credit, the low-balance, starter cards are available with credit lines up to $2,000 and APRs starting at 14%.

Wachovia, of course, is FDIC insured.  For the latest and localized loan rates at Wachovia, be sure to check your local branch.

Every major bank in the country, and most smaller ones as well, have at least some form of online banking.  There are certain things we’ve come to expect, as customers, from our banking online.  We here at Online Banking 411 thought we’d point out the obvious and tell you what you should be expecting from a good online baking service.

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.

It’s time for us at Online Banking 411 to show you what’s the latest at Wachovia Online with a Wachovia Online review.  If you’re a customer at Wachovia, or considering becoming one, this look at Wachovia online banking is for you.

The newest addition at Wachovia Online is mobile banking so you can do much of your banking from your mobile phone or smart phone.  The online system for mobile banking allows you to check balances, get alerts when checks or deposits go through, transfer from one account to another, and more.  For those on the go, Wachovia online banking ’s mobile banking is great.

Your Wachovia Online account now tracks sixteen months of full bank statements, including canceled checks and other information, so you can view or print it at any time.  In addition, Wachovia online banking synchs with Quicken, QuickBooks, and MS Money so you can easily download your latest information and do your budget and finances on your computer with your favorite software.  Makes tax-time a breeze too.

In fact, the largest complaint heard with Wachovia online review sites is that Wachovia’s site is a litte cluttered.  It doesn’t seem that bad, but some prefer simplicity.

Now that Wachovia Online is merged with Wells Fargo Bank, some services are inter-twined.  Home mortgages are one of those.  For the most part, however, Wachovia online banking is still completely separate from Wells Fargo and may be for some time.

If you’re a Wachovia customer, you’ll probably find Wachovia Online to be a great time saver.  Try it.

In our last post, we looked at Wachovia Online and the features it offers for customers of Wachovia. Today, we here at Online Banking 411 are going over the Wachovia Online banking Billpay service and how that works.

Wachovia Online allows you to look at your account balances, statements, and so forth.  Wachovia Online Billpay, though, lets you pay bills at both Wachovia and with common services like your credit cards, utilities, and so forth.

You can also use Wachovia Billpay to set up automatic payments on bills to auto-withdraw (if you have enough balance) so you don’t have to worry about them anymore.  This automation makes life easier for many people, so Wachovia Online Billpay has some definite ease of convenience.

You can also sign up to have Wachovia Online banking Billpay email or text message you when a bill is paid and with current account balances so you’re never behind.

These services are definitely worth looking at if you’re a Wachovia or Wells Fargo (who owns Wachovia) customer.  Wachovia Online has a lot to offer for convenience, especially Wachovia Billpay.