I have been with this bank under other names for
the last eight years. During that time they have
consistantly HELD deposits for anywhere from 3 to
8 buisness days, even though I have checked with the banks on which these checks are WRITTEN, to make sure the funds were immediately available, through thier customer service telephone lines.

Wachovia has reached another new "low" recently--they hold a Verizon Pension check, dated the first of the month, and WRITTEN on Wachovia bank,
and more recently, they are holding funds on a directly deposited SOCIAL SECURITY CHECK--they have recently also held deposit on two other checks---one written by my daughter who is a mortgage loan broker (and a very successful one at that) at Washington Mutual Bank on the west coast, AND one which is drawn on a local credit union which is UNDER-WRITTEN by WACHOVIA. They then charge me 31.00 apeice for checks they will
not clear that I have written to pay bills based on the availability of those deposits, which as I
said, I CHECK before I deposit them! This then
takes funds I have earmarked FOR those bills, out
of my checking acccount, which means that they will continue to BOUNCE my payments, and they do
this nearly every month! Thier excuse is that my
"history" of having non-sufficient funds in my account "requires" this---but I wouldn't HAVE those problems if WACHOVIA would stop fooling around and CLEAR my funds in the first place,since
in fact--three out of four of those checks are DRAWN ON THIER BANK, and they know full well the
money is THERE the day I deposit them. I am a widow on social security and a pension, still supporting one 17 year old child, and I have a vision disability on top of it. My income is 1555.00 a month from pension and social security, and this month-WACHOVIA has taken over 300 dollars
in charges for what they call "Unavailable Funds!"
I am so disgusted, I wish I had the money to SUE
them---they will not give back any of the money they have taken from me, even though they KNOW
the deposits are good--I've been told off the record by other bank employee friends that they
know the same day money is deposited, wether or not the funds are there--and can clear them immediately! They don't give a rat's fat backside
about people if the accounts they hold aren't in
the thousands and millions of dollars category.