Wachovia Free Checking Account
I currently have a Wachovia Express Checking account with a Ready Reserve account that acts as overdraft protection. I opened these accounts in college and have used them ever since. I have been very happy with these Wachovia accounts. I pretty much do all my banking at the ATM or using the Free Online Billpay service that Wachovia offers. I recently decided I needed to open a second Wachovia Free Checking account to help keep things separate for my self employment activities.
I decided to sign up for the account on Wachovia's web site. The process was pretty straight forward. I selected the "Free Checking" account I was able to identify my existing account so most of my information was prefilled for the account.
I had to make an initial deposit of $100 to open the account which I transferred from my existing account. The account has no minimum balance requirement so once the account was opened I just transferred the money back to my original account.
I did try to link my new checking account to my Ready Reserve account for overdraft protection, which the web site said you could do, but it rejected my Ready Reserve account number.
Within 24hours of enrolling, my new checking account appeared in my Wachovia online account page. I quickly received my initial account information via a letter a few days later.
Linking My ATM Card and Ready Reserve Account
Since I wasn't able to link my Ready Reserve account for overdraft protection I went to my local Wachovia branch to see if they could help. I was able to have a Wachovia employee link my existing Ready Reserve account to my new checking account as overdraft protection within a few minutes. I was also able to get my new checking account added to my existing ATM card. This way I will be able to make any deposits or withdraws via the ATM or Online Bill Pay service.
Unexpected Fee for Checks
About a week after I opened the account I received a package of checks which surprised me since when I enrolled it mentioned nothing about ordering checks. I logged into my Wachovia account online and saw they also were nice enough to charge my checking account $16 for these checks I didn't ask for. However, I did send an email to Wachovia customer service and shortly received a reply that they would remove the $16 charge for the unrequested checks.
The small inconvenience to get my ATM card/overdraft setup and check fee aside, I am very happy with my new Wachovia checking account. The convenience of being able to stay with the same bank to add a new checking account without much hassle makes me a happy customer so far.
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