Wachovia Online Banking Problems
Wachovia Bank offers all of its customers the online banking option for free. A customer may view account activity history online for up to 90 days. With online banking, there are issues that a customer may incur. Computer system programs typically make mistakes, such as reporting an incorrect balance. However, a customer can contact Wachovia to solve the error or any other errors 24 hours a day through the telephone, or by visiting any Wachovia branch during normal banking hours.
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Services
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Wachovia online banking is a service available to Wachovia customers free of charge. The services allows a customer to fulfill most banking needs online, without having to go into a branch location. A customer can order checks, dispute charges, transfer funds, pay bills, send messages to Wachovia, view posted checks and other services online. Online banking is a secure option that customers can have access to immediately after receiving access codes and accepting the customer agreement.
Time Frame Of Transactions
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One issue most Wachovia customers have with online banking is the posting of transactions. Typically a transaction appears immediately after it has been made, but sometimes Wachovia's mainframe system does not post them immediately. Also, with online banking a charge can be pending online, but then it disappears and the actual charge will not post for days. Wachovia does not guarantee customers a specific time frame for when purchases, deposits or withdrawals will post. Therefore a customer needs to accurately budget her account ledger to avoid overdrawing her account.
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Indentification
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Customers should never share their online banking username or password with anyone. Wachovia's online banking does not ask a customer any other details when logging in. Therefore a customer should keep his information private, and never save the passwords to a public computer. If a password is stolen, Wachovia can suspend the online banking option, and a customer will then have to go into a local branch to sign or send in notarized documents to confirm his identity and change his online banking access information. A customer cannot reset or retrieve a password or username online.
Warning
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A customer who utilizes online banking should be warned about charges she may receive if she uses telephone support vs. online support. A customer is charged for utilizing telephone customer care after she exceeds his two call monthly allowance, if the question the customer phoned in about could have been handled online. For instance, to verify a deposit, a customer should first check online. If the deposit is not showing up online, the customer is permitted to phone customer service free of charge. Only online banking customers are charged this fee, because not all customers have access to the Internet, which is why those customers do not sign up for online banking.
Consideration
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Online banking customers must consider that all online banking issues they occur are not because of Wachovia. If a person is having computer issues, such as a virus or the internet being offline, these are personal issues that Wachovia has no control over. A customer should contact his Internet provider or the company in which his computer was purchased through.
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