Wachovia is the reason that I've turned to pre paid cards and I wish I had done it sooner. A month ago, I deposited $600.00 cash in the bank, it was about 2:05pm when I did it. I then paid 2 bills using my debit card, that equaled about 200.00. The next day, I checked my account, and Wachovia had charged me 2 insufficient funds.
I called customer service and was told that since my deposit was done after 2pm, it wouldn't apply until the next day. I then asked if that was the case, why did Wachovia allow me to pay 2 bills using my debit, when any other time if the funds were not available, the card would be rejected. I was told that "sometimes" the card would allow it. And I politely told her that of course the card would allow it when the bank knows they can make more money off of me with insufficient funds, when they KNEW I had the money in the bank.
The next week I changed my direct deposit at work and only have $10.00 per week going to Wachovia just to leave that account open, but the rest goes on my NET SPEND VISA. I would recommend anyone thinking of leaving their bank to give this company a try.