COMMERCIAL CHECKING AND SAVINGS

Every bank offers commercial checking accounts—but not every bank offers customized checking and deposit products to fit different business needs.

The following chart can help you select the type of account best suited for your business needs.

Contact a Wachovia Relationship Manager for more details.

Deposit Product	Most suitable for:	Transactions per month (checks, deposits, ATM, ACH)	Interest Features	Fee Features
Commercial Checking	Businesses with high transaction activity each month	Unlimited (fees apply)	Earnings credit designed to offset service charges	Tiered earnings credit on your balance offsets all or a part of your monthly charges
Commercial Interest Checking¹	Sole proprietors, non-profit organizations, and estate/trust accounts	Unlimited (fees apply)	Variable rate of interest	Competitive interest rate on balances above those needed to offset monthly fees
Advantage Interest Checking¹	Large non-profit organizations that have complex cash management needs and use Treasury Services	Unlimited (fees apply)	Interest paid on balances above those needed to offset monthly service charges	Earnings credit rate offsets all or a part of your monthly service charges
Non-Profit Advantage Checking¹	Medium sized non-profit organizations that have moderate cash management needs and use Treasury Services	Unlimited (fees apply)	Interest paid on balances above those needed to offset monthly service charges	Earnings credit rate offsets all or a part of your monthly service charges
High Performance Money Market²	Businesses that want market rates for their idle cash	Six pre-authorized transfers (three by check); unlimited deposits and ATM transactions	Tiered rates based on balance; compounded and credited monthly	N/A
Commercial Time Deposits	Businesses that want to maintain excess balances in FDIC-insured accounts	N/A	Specific interest rate based on maturity—from seven days to over 60 months; may be paid to a transaction account or reinvested	Early withdrawal penalties apply

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¹ Designed for non-profit organizations, sole proprietors, and other qualifying entities.

² Federal regulations limit third-party transactions or pre-authorized transfers (including overdraft transfers) or transfers made by personal computer or telephone to six per month, no more than three of which can be made by check draft or check card. A fee may be imposed for exceeding this limit. If this limitation is exceeded on a regular basis, we may be required to close and/or convert your account to another account type.

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