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"Crown Banking" from Wachovia (Wells Fargo)
The Basics
A $100.00 deposit is required to open this account.
The Monthly Service Fee of $20.00 can be waived by:
- Maintaining an combined minimum daily balance of $5,000.00 in checking, savings, and money market accounts;
- Maintaining a combined daily balance of $4,000 in checking, savings, and money market accounts AND have a direct deposit to this account;
- Maintaining a combined daily balance of $10,000 in CDs, deposit IRAs, lines of credit, credit card lines, and outstanding installment loan balances. (Note: The line amount, not the amount owed, of lines of credit and credit cards contributes to meet this balance requirement.)
- Maintaining an combined minimum daily balance of $5,000.00 in checking, savings, and money market accounts;
- Maintaining a combined daily balance of $4,000 in checking, savings, and money market accounts AND have a direct deposit to this account;
- Maintaining a combined daily balance of $10,000 in CDs, deposit IRAs, lines of credit, credit card lines, and outstanding installment loan balances. (Note: The line amount, not the amount owed, of lines of credit and credit cards contributes to meet this balance requirement.)
The account earns 0.05% interest.
Debit Cards & Using ATMs
This account includes 'Wachovia Possibilities Rewards' program to earn points for gifts and other items. There is no annual fee for this card.
There is a $2.00 fee each time you use a non-affiliated ATM after 2 uses per month.
There is a $5.00 fee each time you use a ATM in another country. In addition, there is a fee calculated as 3.00% of the total amount withdrawn.
Electronic & Telephone Banking
In addition to the standard online banking features, this service includes:
- Funds transfers to accounts at other institutions ($3.00 to $10.00 each)
- Funds transfers to accounts at other institutions ($3.00 to $10.00 each)
This Email Alert feature enables you to receive:
- Warnings when your balance falls below a certain threshold;
- Reminders that bills are coming due for payment;
- Daily Balance Alerts.
- Warnings when your balance falls below a certain threshold;
- Reminders that bills are coming due for payment;
- Daily Balance Alerts.
Online Billpay
Free
This institution supports a mobile-browser website to view account balances, view recent activity, transfer funds, locate ATMs.
Automated Phone Banking
Free
You can access your transaction history directly through Quicken, QuickBooks and MS Money.
Checks & Statements
Unlimited Check Writing
Yes
Free Crown checks for the life of the acccount
Monthly Paper Statements
Yes
Check Images with Statements
Included
Electronic Statements
Yes
You can view images of the fronts and backs of canceled checks for 90 days. Images of only the fronts are viewable online for 16 months.
Overdrawing the Account
The Insufficient Funds Fee is $22.00 each item on the first day you overdraft and $35.00 each item for subsequent overdrafts. Every 12 months, this pricing tier refreshes, and the price drops back down to $22.00 for your first day of overdrafts.
This checking account has 5 options for Overdraft Protection.
From a linked Way2Save Savings Account:
- No transfer fee;
- Funds are transferred to bring the account balance to $0.00.
- Please Note: You can only add to the balance of this savings account through debit card purchases and automatic transfers of up to $100 each month.
- No transfer fee;
- Funds are transferred to bring the account balance to $0.00.
- Please Note: You can only add to the balance of this savings account through debit card purchases and automatic transfers of up to $100 each month.
From a linked Savings Account or Alternate Checking Account:
- No transfer fee.
- Funds are transferred to bring the account balance to $0.00.
- No transfer fee.
- Funds are transferred to bring the account balance to $0.00.
From a linked Credit Card or Line of Credit:
- No Transfer fee.
- Funds are transferred in fixed increments of $100.00.
- No Transfer fee.
- Funds are transferred in fixed increments of $100.00.
Savings and Money Market Accounts
'Premium Savings' requires $100.00 to open and $0.00 to earn interest.
Current APY Information:
- 0.05 % at minimum balance to earn interest;
- 0.05% at minimum balance to avoid fees;
- 0.05% at $25,000.00
- 0.05 % at minimum balance to earn interest;
- 0.05% at minimum balance to avoid fees;
- 0.05% at $25,000.00
The account has a monthly service fee of $5.00. This fee can be waived if you maintain a minimum balance of $500.00.
'High Performance Money Market Account' requires $1,000.00 to open and $0.00 to earn interest.
Current APY Information:
- 0.02% at minimum balance to earn interest;
- 0.02% at minimum balance to avoid fees;
- 0.16% at $25,000.00
- 0.02% at minimum balance to earn interest;
- 0.02% at minimum balance to avoid fees;
- 0.16% at $25,000.00
The account has a monthly service fee of $10.00. This fee can be waived if you maintain a minimum balance of $2,500.00.
'Way 2 Save' requires $0.00 to open and $0.00 to earn interest. You must have a Wachovia checking account to open this account.
Current APY Information:
- 5.00 % at minimum balance to earn interest;
- 5.00% at minimum balance to avoid fees;
- Interest earned on scheduled transfers from checking account and micro-transfers when check card is used. 5% APY earned the first year, 2% for the next two years. After that, earn the rate of the Premium Savings account.
- 5.00 % at minimum balance to earn interest;
- 5.00% at minimum balance to avoid fees;
- Interest earned on scheduled transfers from checking account and micro-transfers when check card is used. 5% APY earned the first year, 2% for the next two years. After that, earn the rate of the Premium Savings account.
We suggest you also consider:
From their website: "Bank 1440 is a full-service community bank with headquarters in Phoenix, Arizona. We offer sophisticated financial products while emphasizing prompt, personalized customer service." Bank 1440 has 2 branches, and allows you to access your money through the Instant Cash ATM Network.
"Bank of Arizona - Long Live Your Money." Bank of Arizona is based in Phoenix and offers financial services from their five locations in Phoenix, Tuscon, and Mesa. Part of the BOKF Corp family of banks, they offer checking, savings, loan, investment, and wealth management services to individuals and companies in Arizona. From BOFK's website: "[Our] vision is to provide sophisticated nationally competitive products with personal responsive client service."
How does Wachovia (Wells Fargo) Compare?
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All deposit accounts in FindABetterBank are insured by the FDIC or NCUA.
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