I absolutely love this account. First of all you get $25 to refer a friend and that friend aslo gets $25, and there is no limit to the amount of people you refer. Secondly if you get the checking account you should get the way-to-save savings acct. Everytime you use your debit card,$1 is taken out and put in your savings account. With overdraft protection, they automatically take the money from your savings to your checking account. I can't tell you how many fees I would have had if it weren't for this. I love my Wachovia account!