Free Checking

Wachovia, a Well’s Fargo company, offers free checking for its customers. Wachovia offers free checking, free online banking and free online billpay. Wachovia Free Checking requires no minimum balance, no monthly service fee, no direct deposit requirement. Wachovia’s Free Checking includes…unlimited check writing and unlimited use of Wachovia’s 5,300 plus ATMs for free.

Wachovia also offers, Free Balance Alerts, Online Statements & Wachovia Mobile with their Free Checking Account. You can use your mobile device to view and monitor account balances and transactions, and make one-time transfers between eligible accounts for free. A free check card is also available.

The minimum opening deposit amount for free checking is $100.

Checking Account Transaction Fees:

  • Stop Check Payment, $25-$31 depending on state
  • Standard Checks, $18-$20
  • Non-Wachovia ATM Withdrawals or Inquiries, $2
  • Incoming Domestic Wires, $10-$15 depending on state
  • Outgoing Domestic Wires, $25

There are overdraft fees and if you are careless with your account, it could cost you. However, Wachovia offers overdraft protection by allowing its customers to link their free checking accounts to another Wachovia deposit or credit account, thereby avoiding overdraft charges.

Source of Overdraft Protection Funds Transfer Fee:

Another Wachovia checking, saving or money market acct. – $10 per transaction

Wachovia Line of Credit – $10 per transaction

Wachovia Credit Card-transfer  – $10 per transaction (charged to credit card)

Wachovia let’s you 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.


The free checking account benefits as listed above are for informational purposes only and are current of as June 28, 2009. OpenFreeCheckingAccount.com is not responsible for any changes to the account . Please check with your local branch as these terms are subject to change at any time.

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