Wachovia's mid-level account. Advantages over the Free Checking include free personal checks and 2 ATM withdrawals per month at non-Wachovia ATM's without a Wachovia fee. In return for those 2 benefits you are required to keep a minimum balance. The minimum balance requirement is offset by savings accounts, loans and credit lines however so the account is essentially "free" if you have a small loan or a credit card with a line thats not large enough to get you the top Crown Banking account.