When you're setting up your business, it won't take long for you to figure out that a standard personal checking account won't suit your business needs. But who has time to evaluate all the different offers out there?

Wachovia Bank business checking includes a variety of products to suit your company's needs, whether you have a low or high balance. When evaluating Wachovia small business checking information:

1. Look at transaction requirements for a Wachovia small business checking account.
2. Evaluate which account would best suit your average daily balance.
3. Find out what fees will apply to the account, and how you can avoid them.
4. Determine whether your business would quality for interest-bearing Wachovia small business checking.

Action Steps
The best contacts and resources to help you get it done

Find out if Wachovia offers small business checking in your area

Wachovia is not offered around the whole country, but many of the major states have Wachovia banks. Use the convenient online tool to locate the nearest branch, and open a Wachovia small business checking account.

I recommend: First look up your state and make sure that Wachovia offers banking products in your area. Wachovia small business banking is available in 22 states in the U.S. Just click on your state and you can pull up a list of cities.

Get a Wachovia commercial checking account that forgives low balances

Wachovia offers a variety of business accounts for small business owners. If you own a business that performs fewer banking transactions than larger companies, take a look at a Wachovia small business checking account that doesn't require high balances. You can also earn more with a qualified interest-bearing checking account.

I recommend: If you're a small business owner, you can get a Wachovia Business checking account designed for smaller businesses, which allows you 150 free transactions per month and no fee for up to $5,000 a month in cash deposits. With this account, you can visit any Wachovia ATMs for free, and use Wachovia small business checking online. Or, make your money work for you with a Wachovia business interest checking account, set up for qualified individual proprietorships and non-profits with fewer transactions

Get a Wachovia Bank business checking account for your very busy business

Your business may require a higher level of service from your bank. Check out the Wachovia commercial banking products for businesses with higher balances and unlimited transactions.

I recommend: Wachovia Small Business Commercial Checking is designed for businesses, and extends cash management services, opportunities to save on banking fees and a free Wachovia business checking credit card. The Wachovia Commercial Interest Checking account is targeted to individual proprietorships with higher balances, as well as nonprofit organizations.

Wachovia gives you custom banking options for your business

It's always good to have different tools at your disposal when your own a business. Thankfully, Wachovia small business checking accounts include custom banking, which offers plenty of perks, such as discounts on affiliated services, a free Visa check card and free Wachovia Money Market or Savings Account.

I recommend: Sign up for Wachovia Custom Business Banking and make your bank work harder for you. Wachovia's Business Cash Manager account helps you keep track of your cash flow.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Find out from your banker how easy it is to switch accounts if the product you chose isn't right for you. Pay close attention to your bank statements from your Wachovia business checking account to see how much you rack up in fees per month.