Overview

Ready to be rewarded for your complete banking relationship with Wachovia? See how our premier checking package maximizes the value of your checking dollars.

Crown Banking®—the advantages of a relationship.

• Free Premium Savings or money market account
• Free Crown checks
• Free identity theft and fraud protection with iWatch^SM
• Free safe deposit box ^{note 1}
• Two free withdrawals at non-Wachovia ATMs ^{note 2}
• Free overdraft transfers
• Free domestic incoming wires
• Free official checks, money orders, traveler's checks and notary services
• Interest-earning checking account with interest compounded daily
• Discounts on home equity line/loans
• Add Way2Save® to Crown Banking®—we pay you a bonus to save ^{note 3}

All that, plus the same benefits that come with all Wachovia checking accounts including Online Banking with BillPay, Balance Alerts, Online Statements, and Wachovia Mobile® ^{note 4}. You'll also get Wachovia® Security Plus^SM—our commitment to protect your privacy and security.

Combine Your Wachovia Balances. Bypass the Fees.

Meet any one of the average daily balance requirements below to avoid paying the $20 monthly service fee.

• $5,000 in combined checking, savings, and/or money market accounts or
• $4,000 in combined checking, savings, and/or money market accounts if you have Direct Deposit
• $10,000 in combined CDs, deposit IRAs, line of credit (line amount), credit card line, and/or outstanding installment loan balances

What You Get

For starters, none of the fees you might expect.

Crown Banking® allows you to combine account balances to receive the maximum benefits. And, if your combined account balances are above the balance requirement, you'll avoid the $20 monthly service fee. In addition, you'll get free Crown checks, a free standard-sized safe deposit box ^{note 1} and your choice of a free Premium Savings or money market account.

You'll be safe, secure and protected.

Wachovia® Security Plus^SM uses fraud prevention programs and advanced technology to pinpoint and identify unusual activity, protecting your personal and financial account information, and of course, we're FDIC insured.

In addition, enjoy advanced identity theft and fraud protection with iWatch^SM. This program combines proactive monitoring and early warning monitoring tools to help safeguard your personal information—including your social security number. As a Wachovia checking customer, your enrollment in iWatch is free.

Save time. Save stamps. Save the environment.

Free Online Banking with BillPay makes checking more convenient. You can quickly view your account activity and balances, set up Balance Alerts, pay bills, and view statements online.

Convenience that fits in a wallet.

The Wachovia Visa^® Gold Check Card is a safe alternative to cash, works like a check and ATM card and has no monthly service fee.

Register your card in Wachovia Possibilities Rewards, our no-fee awards program. You can link all your eligible Wachovia cards into one rewards account and watch your points add up faster. You can also earn an average of 10 bonus points per $1 when you shop online through the Earn More Mall^SM on wachoviapossiblities.com. Then, redeem points for great rewards like travel, restaurant and retail gift cards, merchandise, and more.

We'll pay you a 5% bonus to save. ^{note 3}

Link your Crown Banking® checking account to the Way2Save® savings program and we'll pay you a 5 percent bonus to save.

We'll also automatically transfer $1 from your checking account to your Way2Save® account when you make a check card purchase, pay bills online including through Online Banking with BillPay ^{note 6} or set up automatic debits.

More benefits with Crown Banking® checking accounts:

• Two free withdrawals at non-Wachovia ATMs ^{note 2}
• Free overdraft transfers
• Free incoming wires
• Free Wachovia Mobile® ^{note 4}

Rates and Fees

Rates

Interest Rates and Annual Percentage Yields

Balance Tier	Interest Rate	APY note 7
$0.00+	0.05%	0.05%

Account Service Fees

Fee Description	Fee
Average Balance to Avoid Monthly Service Fee (Does not apply to Crown Banking)	$4,000.00
Monthly Service Fee	$20.00

Combine Your Balances. Bypass the Fees.

Meet any one of the average daily balance requirements below to avoid paying the $20 monthly service fee:

$5,000 combined in checking, savings, and/or money market accounts,

OR

$4,000 in checking, savings, and/or money market accounts if you have Direct Deposit,

OR

$10,000 in combined CDs, deposit IRAs, line of credit (line amount), credit card line, and/or outstanding installment loan balances.

Avoid Fees with Overdraft Protection

We know that things happen, so we've made it easy for you to avoid overdrawing your Wachovia Crown Banking® account. Simply link it to another Wachovia deposit or credit account to avoid overdraft charges.

First time NSF/Overdraft fees without overdraft protection can cost you $22. With overdraft protection, the fees are reduced to the following:

Source of Overdraft Protection Funds	Transfer Fee
Another Wachovia checking, savings or money market account	Free with Crown Banking®
Wachovia Line of Credit	Free with Crown Banking®
Wachovia Credit Card—transfer amount will be treated as cash advance	Free with Crown Banking®

In addition to the above, you can also sign up for free Balance Alerts through Online Banking with BillPay, and receive your account balance daily or be notified when your account balance falls above or below the amount you set.

Checking Account Transaction Fees

• Stop check payment, $25-$31 depending on state
• Free Crown checks or a $15 discount on other styles
• Non-Wachovia ATM withdrawals or Inquiries, $2 ^{note 2}
• Incoming Domestic Wires, free with Crown Banking®
• Outgoing Domestic Wires, $25

For a complete list of fees, please request the Schedule of Fees and Funds Availability from 800-WACHOVIA (800-922-4684).

Calculator

FAQs

• Crown Banking®. Is it right for me?
• What is the minimum amount required to open a Crown Banking® account?
• How can I avoid a monthly service fee with Crown Banking®?
• Is there a direct deposit requirement for Crown Banking®?
• Is there a charge for Wachovia checks with Crown Banking®?
• Is there a charge for a safety deposit box with Crown Banking®?
• Does Crown Banking® come with a free savings or money market account?
• Does Crown Banking® come with free overdraft protection?
• Are there other benefits with Crown Banking®?
• What's required to open a Crown Banking® account?
• Will I be able to make a deposit into my new account during the application?
• Will Wachovia do a credit check when I apply for a checking account?
• How does the iWatch^SM program protect me from identity theft?
• Where can I find more frequently asked questions about Wachovia Checking Accounts?

Crown Banking®. Is it right for me?

That depends. Are you looking for a checking account that maximizes your value by offering you exclusive rewards and benefits for keeping a higher balance? If so, Crown Banking® is right for you.

What is the minimum amount required to open a Crown Banking® account?

$100. That's all you need to open a Crown Banking® account. Can you believe it?

How can I avoid a monthly service fee with Crown Banking®?

It's easier than you may think. To avoid the monthly service fee, just meet one of the following average daily balance requirements:

• $5,000 in your combined checking, savings and/or money market accounts
• $4,000 with Direct Deposit in your combined checking, savings and/or money market
• $10,000 combined balances in CDs, deposit IRAs, credit card (line amount), line of credit (line amount) and/or installment loans (outstanding balance).

Is there a direct deposit requirement for Crown Banking®?

No. You don't have to sign up for Direct Deposit to qualify for Crown Banking®. But considering the advantages of Direct Deposit, you may want to do so anyway. Plus, if you enroll in Direct Deposit, your minimum balance requirement is reduced to $4,000.

Is there a charge for Wachovia checks with Crown Banking®?

Not when you choose to receive our Crown Banking® checks. You may also choose to receive a $15 discount on other style checks.

Is there a charge for a safety deposit box with Crown Banking®?

No. As part of the Crown Banking® package, you will receive a free standard-sized safe deposit box (subject to availability). You may also choose to receive a discount on a larger-sized safe deposit box.

Does Crown Banking® come with a free savings or money market account?

It sure does. Choose either a free Premium Savings account or a free money market account.

Does Crown Banking® come with free overdraft protection?

Yes. You're entitled to free overdraft protection transfers when your Crown Banking® account is linked to another Wachovia deposit or credit account.

Are there other benefits with Crown Banking®?

There's free Wachovia® Security Plus^SM—our commitment to protect your privacy and security. You'll also enjoy free Online Banking with BillPay, including Balance Alerts, Online Statements, Wachovia Mobile® ^{note 4}, free Check Card, free incoming wire transfers, free official checks, money orders, single-signature traveler's checks and free notary services.

What's required to open a Crown Banking® account?

Open the account online, if you wish.

If you're a new customer, we'll need to see your Social Security Number, one form of identification (Driver's License, State ID or Military ID), and the account information from your other bank to make your opening deposit (Hint: You can find this info on a blank check).

If you're an existing customer, we'll need your existing online services User Name and Password, checking account number, Check Card or credit card number, and PIN.

Will I be able to make a deposit into my new account during the application?

Yes. You will just need the account information (routing number and account number) for the bank account you will transfer funds from to make the deposit. All the info you need can be found on a blank check for your other account. If you are an existing customer, you will be able to transfer money from your existing Wachovia account to your new account.

Will Wachovia do a credit check when I apply for a checking account?

Yes. We will verify your personal information and credit history with the consumer reporting agencies.

How does the iWatch^SM program protect me from identity theft?

iWatch focuses on the prevention, detection, and resolution of identity theft and fraud. With advanced monitoring, you're notified if your personal information appears online, and emailed alerts with actions you can take to prevent it from falling into the wrong hands. If you become a victim, our dedicated specialists are standing by 24/7 to help. Free for Wachovia checking customers, iWatch helps safeguard your personal information, and your identity.

Where can I find more frequently asked questions about Wachovia Checking Accounts?

More questions and answers are available in our Checking FAQs.