US Bank N.A.

US Bank Fees Increase 300% For Small Retirement Accounts
- jamesstewart - Sunday, May 22, 2011 - 1:03 PM

Per the letter recieved dated 5/10/2011:

"A US Bank IRA continues to be a great way for you to save for your retirement. The annual fee for your IRA plan is increasing from $10 to $30. The balance requirement to waive this fee is also increasing from $5,000 to $25,000 for IRA plans and from $1,000 to $5,000 for Coverdell Education Savings accounts (CESA). In the past, your fee may have been waived automatically if you were over age 70 1/2 and receiving automatic distributions from your IRA plan. This automatic waiver will no longer be applied."

With the low interest rates being offered some folks may actually be losing principle to these fees now. This is a very unethical action of this large bank and will affect many account holders. It shows how a bank can take advantage of loopholes to literally take small investors funds who trusted that their IRA CD was securely invested to grow at a advertised interest rate.

Either this bank has become greedy and is willing to sacrifice ethics to its small account customers, or it has some major financial problems that it is desperately trying to remedy.

Here are some actions that all of us can do to try and stop this and similar actions of these institutions:

- Spread the word to other savers through social media, word of mouth, AARP or other media.

- Sell the stock of unethical institutions like this.

- Withdraw any accounts that you can afford to do so (withdrawl penalties may be assessed).

- Contact your congressman to show this as an example of why tighter bank regulation is needed.

 

This Bank Is Not Customer Friendly.
- curly25top - Monday, November 8, 2010 - 2:31 PM

About 2 months ago I set up 2 Visa Buxx card accounts for my teen sons. When we got the cards we found they would not work...anywhere...even though they advertised they would work any where visa is accepted. Nope! They only worked at the US Bank ATM's and then they charged $1.50 for each balance inquiry (which brought the balance down to $18.00 on one card) The subsequent decline for the attempted $20 withdrawal cost .75 cents. So, I got the cards replaced and they still didn't work. Next I called customer service again to let them know the cards aren't working. They blamed it on the merchants. When I asked for a return of fees and to close the account they refused. The manager was awful and we got nowhere and now I'm out $$ for a product/service that never worked.

I would give this bank NO stars if I could. We were thinking of having our son open his first account here but not after this experienc and especially after reading all the complaints online about this bank and their customer service. Horrible!

Unbelievable Penalty For Early Withdrawal Of CD's - Half Of The Interest To Maturity!
- plac - Tuesday, March 6, 2012 - 2:22 PM

Since US Bank is right in our neighborhood (in New Mexico), and I thought I would check it out and open a CD.   The rated looked a bit better than the local credit unions.  The clerk said she didn't know the early withdrawal penalty.  She said "the computer figures it out" but there was no written statement.  So I start browsing a brochure and I couldn't believe  it -- the penalty for early withdrawal of a CD with several years term is half of the interest to maturity!  If I put in $100K at 2% interest into a CD, 59 months term, and try to withdraw it tomorrow I would have to pay US Bank 50% of 5 yrs * 2% = $5K  penalty!!! Plus $25 just to **** the customer a little more.  I pointed this out to the clerk who "didn't know" the early withdrawal penalty, and she just looked bored.   I packed up and left, no account for me at US Bank!

Not Just A Branch Issue: 3 Different Legs Of US Bank Stink.
- hoohoolian - Wednesday, November 24, 2010 - 2:49 PM

I chose US Bank as a matter of convenience; they have a branch in my grocery. But, one constant problem has been that they turn over employees at this branch on a monthly basis. This has been a complaint of mine since I noticed the trend to the point of having to laugh with every new face – hello number 48, hello number 49! Most recently, right after I commented to the new teller that she was the 50th person to stand behind that counter, she had the nerve to tell me (2 minutes later) that she would be putting a hold on my $5000 deposit, “since she didn’t know me.”

Currently, I am awaiting a refund of $6100 that was mistakenly paid twice to a US Bank credit card. They told me that such a refund usually takes 7 days, but since it is US Bank to US Bank, it should be quicker. Today is day #8. Last night, their customer service agent, Nathan, confirmed that this was the 7th day and nothing has happened regarding this issue.

Past issues (major): When I went in to a US Bank Business office I asked the woman about opening a new business account. When I casually mentioned the issue of the revolving-door staff and that the latest new teller had tattoos on her hand (gang tats!), the woman got huffy and said, “Well I guess you don’t like me either, because I have tattoos, too!” Gee, lady, they aren’t on your hands looking like you got them in a prison cell – do you discriminate between the two?

On an international transfer, US Bank failed to mention that there would be an extra middle-man bank which would skim their share and alter the final destination amount.

I could go on, but this bank isn’t worth my time. I’m obviously not worth theirs. But then there’s this:

I went down to present the things written above to the US Bank manager (main branch). He is on vacation. Next in line: She took my letter that was addressed to the bank manager, and said, “he’s on vacation.”  No offer to help, just that statement of redundant fact. Duh, that’s why I’m speaking to you and not him – are we both on the same page now? I asked her to read the letter. She read, wobbled her head with a mental “yadda-yadda,” completed her reading and responded: These issues aren’t about our branch. (Actually, you personally handled the international transfer, lady!) No offer to help again, so I presses her: Can you find out where my $6,100 is? Ultimately: her records show only one payment on the credit card, and finally: the check’s in the mail. US Bank to US Bank – and the check’s in the mail (payment is being processed)!

I reminded her that I have already suffered an overdraft fee and that I would need to access my line of credit to be sure I don’t suffer another. She sympathized. Whoopee. No offer to remove the overdraft fee. She couldn’t care less. I guess that’s why she came into the office with a nasty, loose-phlegm cough. Glad she didn’t try to shake my hand, but I’ll still probably get sick on top of the stress of “where’s my friggin’ money?”

Memories of the famous “You can’t have your money” account at B of A and the surly staff at the local Albertson’s grocery.

Ripped Us Off
- JohnBoy1 - Tuesday, September 6, 2011 - 4:41 PM

We went to U.S. Bank for a home loan.  Took us 3 hours one eveing to set everything up including two new accounts. The next day the loan officer called us to confirm our deal was on.  We said "yes" as they had promised us the cheapest closing cost of any of the banks around.  The day before the closing we reviewed the Respa to find a $1680.00 charge in addition to closing cost.  We called the loan officer and he said we had authorized a 1% point.  That was crazy.  Overnight the deal changed.  He said he would get our money back but after repeated phone calls for a month, nothing happened.  We had no recourse because we pre-signed all the documents.  We closed all of our accounts and we to a new bank.   DONT USE U.S. BANK.   Too bad you don't have a zero star for this review, one star is too much for this bank.

Worst Customer Service Ever!
- philipmclellan - Wednesday, September 15, 2010 - 4:39 PM

I'm trying to close on a new home mortgage and am using US Bank to finance a small 2nd mortgage as part of the process.  Well, it's now been more than three weeks from my originally scheduled closing and we've been told that we still can't close!!  They are asking for the same info multiple times, asking for additional info almost every day, and clearly nothing was done in the month before the original closing date!  Absolutely amazing! 

This is a terrible company with terrible processes.  PLEASE DO NOT GET A LOAN FROM THEM!  I've been through multiple closings in the past, and my builder has gone through a lot of closings recently, and neither of us has any expereince that comes close to this bad.  You will not be happy.  It is not worth it at all, I don't care how cheap their rate is!!

I Think US Bank Is Great
- jimboy - Wednesday, May 30, 2012 - 7:50 AM

 

I'm a 65 year old male who spent 40 years working in commercial banks.  I retired 3 years ago but prior to retiring I spent alot of time researching local banks for the best checking account plans at the lowest cost.  I found US Bank to be the best for my needs (close to home, numerous ATM's nationwide, and very few charges with a direct deposit).   I've found their staff to be friendly and knowledgeable. US Bank has very low rates when it comes to savings and CD's but that's common with most local banks and credit unions these days.  If you want the better rates go with Ally or American Express.

 

Jim B

Pueblo, Co

If It Was Possible To Give Zero Stars....
- mommy2 - Saturday, April 21, 2012 - 8:56 AM

This is THE worst bank that my husband and I have experienced. Let's start at the beginning:  Our debit cards were sent to an ex's house, not an address we had EVER given the bank. Had to call, get them to shut those cards down and order us new ones, took over a month. After we got married I called the 1-800-number and they told me all I would need to take to the bank was my new DL to get my name changed, I took off work, went in the branch and they told me they needed my new ss card, marriage license and for me to sign a new sig. card. When I recieved my ss card I took another day off work, took the card, my dl and marriage license in to a FSR, he made copies of everything and then told me my husband would need to come in and sign the sig. card- which meant my husband would have to take off work, so he did and we signed the cards. The FSR told me that he had just started there and that this was like his 2nd week, I didnt think anything of it. He said he would order my husband and I new cards (mine for the name change and his b/c his mag stripe didnt work) and that thewy should be at the house in no time. I knew that it would take more than a few days so we waited and waited. I finally got tired of waiting and since the branches were closed, I called the 1-800-number and told them the situation. The rep said my name had never been changed, new cards wern't ordered, that the first round of cards were still active and that there was not a new sig card on file. We would have to go into the branch to change everything again. Eventhough I was mad, I told her to at least order my husband a new card and I would go to a branch when I had time. She mentioned shutting down the old debit cards, so that no one would have acce3ss to our accounts (somethinbg they were supposed to do in the first place. So I told her 'let me give you the numbers of the cards we're currently using' (mind you this was a Friday night) she said 'it's okay, I can figure it out'. I thought everything was fine. My family ordered food online and I used my debit card, it kept saying my card was invalid, (the night before was pay day and I had used my card already once that day), so I tried to use my husbands and his said the same. Soooo, I called the 1-800-number and found out the stupid rep closed ALL the debit cards on the account. the new rep kept on with 'I'm sorry' 'I would be frustrated too' and my fav 'I completely understand'...at that point I let my husband have the phone, and they went round and round because they say they cant reactivate the card and that we'll just have to wait until we can go into  branch. My husband got names, id numbers and phone numbers and has an appt to speak with a manager. Needless to say as soon as possible we are closing our accounts and telling everyone we know of this awful experience. We also will contace the BBB and any other place that can deal with something like this. 

Worst Bank Ever
- Mohamed - Monday, February 20, 2012 - 8:27 AM

I had Loan account with them, and I was paying in time every month, with highest interest rate , and when I want to call them to ask for refinance, they treat me like a dirty pig, so I decided to do whatever I can to payoff the loan immediately and stop dealing with those losers, my balance was showing $7816.84 on last statment I got from them so I wanted to call them to ask if I can payoff online this amount, again they treat me like a pig and they told me that payoff should be $8005.69 and I have to mail them the check

I went online to check if that amount they told me is correct, and it was not, after couple of hours they changed the amount online to reflect what they told me over the phone which means they are charging me extra $188.85 just because I want to payoff my loan and stop dripping money with them

by the way my interest rate with them was 9.75% and I got now with another bank 3.2%

my advise to you never deal with this bank

Worst Service Ever!!!
- bankbuster - Thursday, June 30, 2011 - 3:40 PM

Its funny how they can charge you $10 for an overdraft protection fee and then add the $33 overdraft on top of that. That isn't protection where I'm from. It has been one thing after another over the years and I'm tired of it. Anyone know of a bank that actually cares about customers? We have choices, so lets choose to give our money to another bank. A bank is just like any other business, without our money, they can't be successful.  

Forged Recorded Deed Of Trust
- AidaBish - Saturday, September 15, 2012 - 10:00 AM

I signed a deed of trust at a US Bank branch, 3 years later I was refinancing the loan, when I got a copy of the County recorded deed I discovered it was forged. The content of 19 pages out of 23 where forged including my signatures and initials. I assumed there was a mistake and try to contact US Bank to get the original deed to proceed with the refinance but the Bank does not have it.  How did that happend and why?

Awesome Bank
- magix66 - Saturday, May 21, 2011 - 4:30 PM

 It's sad to read all the negative reviews.

I have had US Bank for 6 years, I LOVE this bank, they have always been there for me, never once had any fees.

I travel all over the USA and my Debit card works everywhere free of charge. Cash advance from Walmart is only $.25 fee. My job is direct deposit, online bill pay is free and easy.

My ONLY problem now is I moved to Florida and they have NO branches here...

I have gone over 2 years so far using US Bank online, I just can not find a bank in Florida as good.

Signed, Happy Banker.

Recent Call To "Customer Service" Leaves Me Talking-Like-A-Pirate: ARG!
- snyder1485 - Tuesday, September 21, 2010 - 5:03 PM

USBank Office Equipment Finance Services (OEFS): TERRIBLE!   This is the "financing tool" that copier companies sell their accounts to.  USBank OEFS can't get their head out of a hole-in-the-ground!  I've been a client for decades, and they do not communicate well with the companies from whom they buy these contracts (the copier seller). OEFS is "GREEDY" in late fees, when it can take 16 days for an invoice leaving their office to reach my desk, I have to sit down the day I receive the invoice and pay it... or they claim they don't get it in time.   What is that?   Is it really my fault that their "payment processing center" is so slow.  It is probably in Pakistan!

So I recently called customer service...three months ago I provided proof of property damage insurance on this copier, but, hhhmmm, they can't find it, (this after a verbal acknowledgment back when I faxed it) so I'm contacting my commercial insurance agent again (She said: "Todd, we did this 3 months ago...oh, it's USBank, they are notorious for this.”)  So I’ll have to do the process again.  And I can just forget about the $30/monthly “Prop Damage Surcharge” I’ve been charged all these months.

Further, not one, but two “customer service” reps just got sarcastic and condescending with me: The first rep was just plain snotty, but when I pressed for a manager, she (the manager) she accused me of taking “a tone” with her and called me sarcastic (which I was not, it quickly became clear that these “customer service” ladies were neither service-oriented or customer-friendly … Saving grace: it is “Talk like a pirate day”  so:  arg!

Usbank - The Worst Experience With A Bank EVER
- jumentoe2003 - Friday, March 29, 2013 - 9:11 AM

I have NEVER had a bad experience with a bank until now.  I have a credit score of 815, I have $441,000 in equity in my home, I have a job.  My local banks routinely sell mortgages to USbank so I went to them first to borrow $100,000 in December of 2012.  I worked with four different people - all of whom told me I had conditional approval on the loan.  On March 28 - nearly FOUR MONTHS after we started this process and paid them an application fee, they denied the loan.  I honestly think they denied it because I told them to either fund the loan or tell me they weren't because after 4 months I need to move on.  Their reason - my income this year was lower than my income last year.  No kidding, I'm in sales, my income fluctuates - but it took them 4 months to figure that out.   NOT ONE TIME did any of these USBank employees return a call when THEY SAID THEY WOULD.  I had to chase them down for every conversation we had.  Unfortunately, they have my current mortgage but I started today to rectify that situation.  Arrogant employees.

Customer Service
- Droeder - Saturday, October 27, 2012 - 10:40 AM

Here is what happened:

I went to Europe over the summer. My card was also locked two weeks before I returned home after making an online purchase from SLP Performance. (I wanted the parts to be shipped to my house and waiting when I got there). After getting back I called and had it unlocked. No problems, they verified who I was and unlocked it. Two days later My card is locked again.

Going online to "Online Banking" I verify that there is in fact money in the account. While I was online checking this I noticed that I was receiving "Maintenance Fees".

While I was away I stopped receiving direct deposit from work into my checking account. (No work, no pay) For a Gold Package Account you need to receive $100 electronic deposit every month to waive service fees. (I had a "Gold Package")

I called Customer Service and got the Fees Waived and the card unlocked. While on the phone the customer service representative told me I should switch to a student account to avoid fees in the future. I told her I was O.K. with the account I had. She went on to explain what a benefit a Student Account would be to a student.

After several minutes of her persuasion and reassurances that there would be no more fees or hassle from making the switch I agreed. Yippy, I now have a student checking account. I can use any ATM anywhere at any time free of charge.

From the time the account was changed I have been receiving "Maintenance Fees" to my savings account. I know I should watch this more closely but I usually just use my checking account and keep tabs on it.

After all of the hassle I have had and the number of calls I have had to make and the time spent on the phone with representatives I decided I would like to try another more locally owned bank.

When the phone finally stopped playing elevator music and I was connected to a real live person I was told the fees could not be reversed and there was nothing he could do about the money. He said he had spoken to his manager and there was nothing he could do about it.

I asked if I could speak directly to his manager. Susan (Milwaukee Area Customer Service) answered the phone and asked what she could do for me. She verified who I was and her understanding of the situation. Her reply to my request was that because I was closing the account they had no incentive to refund the money. If I would be so kind as the keep the account and simply transfer back to the "Gold Package" she would be happy to refund the money.

I explained that the whole reason I had the "Student Checking Account" was because another customer service representative told me that this account would be best for me and that there would be no more service fees.

Even after my explanation that I was told to make this account change by a representative to avoid future fees. Susan said there was no incentive to reverse the fees. I said to her. "You are telling me you can not return my money because there is no incentive to correct your mistake?" She said yes, you are closing your account there is no incentive to refund the money. (Not exact words, I did not record the conversation and am writing this from memory)

I have had an account in good standing with U.S. Bank for over five years and am told there is no incentive to return money to my account that was withdrawn in error. I also feel that this error is on their end of the table. The reason I feel the error is theirs and not my own is because the change to my account was made on advise and reassurances from a U.S. Bank customer service representative. (I also explained this to Susan)

The only way to get the money put back in the account (Money Wrongfully charged to me) was to keep the account and have it transferred back to a "Gold Package Account". The very same account I was advised to change into a student account by a different representative.

NOW, the reason I am posting this is because I feel after several years of schooling for Business Management I have a small grasp of "customer service" and the "INCENTIVE" to keep customers satisfied. I was not really upset with the company or anyone in it, I only wanted to avoid further hassle while in school and working.

Now, after a very dissatisfying hour on the phone with the U.S. Bank Customer Service Representative, Susan. I feel I should share my experience with other U.S. Bank account holders, current and future to inform them of this situation.

I am very dissatisfied and would like to perhaps save others the same headache I have had. For those of you that have taken the time to read this entire re-telling, I thank you and ask that you please share this story with others.

Thank You,
Dan

Good Bank If You Don't Need A Bank
- neqapy - Monday, July 16, 2012 - 4:33 PM

The branches are staffed with local nice people. However, they are not really bankers, all banking decisions are made in some corporate cloud. I have open my first account ever with them -checking- and have always maintained a healthy balance and never needed a loan. When they pointed out I would need to build credit history, I accepted their credit card which I always paid in full. I've held their card like that for more than four years now. However when I went to them for a small car loan, they rejected my request because of lack of credit history. How can credit history be built if your bank does not lend you money. Furthermore, by them processing the request - I've learned later - they've reduced my credit rating.

This is a very bad bank to work with if you are just starting out, no matter how responsible you are managing your money and your finances. 

New US Bank Overdraft Policy ... If You Don't Have The Money, We Will Take It From Your Roommate!
- CCC - Saturday, March 10, 2012 - 12:58 PM

I received a job offer in my e-mail and was asked to take a money order to my bank and cash it.  I had no bank account, so I opened a new account at US Bank in Los Angeles on Beverly and Serrano St.  I had banked at this branch in my past but when they raised the fees for checking and savings, I had to close my accounts.

When I opened the new checking account, I was told I would have to wait to recieve any money from the $980.00 money order I deposited after it cleared the bank.  I said ok and moved on to ask them to deposit a money order from my son into my roommate's account.  All in all I made three transactions.  One was to open a checking acount, one a savings acount, both in my name with the money order I gave them from my new job.  The 3rd transaction was the deposit made to my roommate's account.

I was surprised when the clerk came back from doing these transactions with money in her hand.  She gave me $780.00 cash, deposited $200 of this $980.00 money order into my new checking account and told me she was doing me a favor.  I was surprised by this because I was initially told I would have to wait for the money order to clear the bank.

A day after I opened my accounts and deposited the $980.00 money order, I learned that my new "job" was a scam.  I went straight to the bank to let them know and to make arrangements to take care of this problem.  I was told the bank could do "nothing" until the money order cleared or not.  Fine with me, but what about the $780.00 I sent to the scammer?  I want to make this right, so I ask to make some kind of payment arrangement, which the bank refused to do.

A few days later I took my roommate to the store.  She had tried to use her ATM card to pay for some medicine and the transaction was denied.  She was stumped because she knew she had money in her account.  When she got home, she looked online at her bank account only to discover that US Bank had changed her account records, added the $980.00 money order deposit to her account and then proceeded to charge her for all the overdrafts that this so called "deposit" caused when the money order didn't clear.  The bank froze my roommate's account.

In the meantime, nothing was done to the two new accounts I opened up.  No freezing of assesets, no word about whether or not the money order cleared ... nothing from the bank.  So I called customer service to find out why this was done by the bank manager.  I told the customer service department that this was deposited into my new account and not in my roommates account.  They tried to straighten it out until they talked to the branch manager.

Customer service called the bank manager and I was connected to Mr. Gomez who is the branch manager.  I asked him why he wasn't freezing my account and charging me for the phony money order and his reply was this "The bank has to have its money and your roommate can collect it from you."  

Mr. Gomez told me he took the money from my roommate's account because I didn't have it.  He made those 3 transactions into 1 transaction so he could take the money from my roommates account!  He then proceeded to tell me that he is going to take the $300.00 from my two accounts and put it in my roommates account, without my permission!  I told him he couldn't do it and he laughed at me.  He told me he could do what he wanted so the bank could get its money.  

So it seems the bank's newest policy is to take it from my roommate.  She is on Social Security, is 67 years old, has to buy her food, pay her bills and buy her medicines but the bank needs the money more so they just took it. 

What I don't understand is why the bank won't work with me on this issue?  Why do they have to take it from my roommate?

Once this mess is cleared up I plan to do banking at a more reliable and trustworthy bank.  Thank goodness I can now read reviews about banks online and choose one with more wisdom.

Pack Of Thieves
- TJJackson - Monday, June 6, 2011 - 4:24 PM

http://www.depositaccounts.com/forum/thread/4820-us-bank-****s-its-existing-ira-cd-customers-with-fee-change-in-midterm.html

Loyalty For Life--To Usbank!!
- AndieGirl87 - Tuesday, May 24, 2011 - 3:52 AM

I have currently been banking with USBank for almost 8 years now, and I have loved it, as much as you can love your bank, that is. I have a basic checking account and a credit card through USBank. When I first opened my account, I was a student, and they set up a special account for me, but have never changed it. Basically my account is set up so that if I overdraw, USBank places $200 in my account (up to $1500) and then charges a $2 fee for each $200 placed in my account. I only utilized this once, and I paid it back within a month, so I'm not sure if I would be charged anything else for this service. I also have a credit card through the bank. My rates have never increased, and for awhile, I was charging and paying off each month, and they increased my limit from around $900 all the way up to $2900 in less than a year! I participate in online banking as well, and it's very easy to use. Once I log in, all my accounts are right there, and it's easy to pay my credit card bill or even other bills! They are also very nice each and every time I go into the bank or talk to them on the phone. I love this bank. I am soon to be getting married and my fiance banks at another bank. When we were talking about switching banks, I blatently told him to do whatever he wanted, but I was never leaving USBank!

US Bank - Can't Win With This One!
- siamesekat - Monday, February 14, 2011 - 5:28 PM

I just read on another post that US Bank CEO has recently hinted they'll do away with FREE checking, adding fees to checking accounts and possibly its debit cards.  I can speak from experience that US Bank policies are not customer friendly, using the recent down-turn in the economy as a convenient excuse to gleen a few more dollars at the expense of the accountholder.   

I recently redeemed a CD from another local bank in Denver and deposited the cashiers check in my US Bank checking account.  I was not surprised the funds were not available the next day, but was appalled when the Branch Manager told me the funds would be held EIGHT BUSINESS days per bank policy.  Needless to say the policy is outrageous and does not reflect the policy of other local banks in the area.  

Check around before you sign-up with this one! 

US BANK IS GREAT
- bnkr4lf - Monday, February 18, 2013 - 12:20 PM

I really have no idea what all you people are feaking out about. Actually, I think I might. I have worked in the banking industry for 17 years, and have worked for many different companies. And just to make things clear, I have never worked for US BANK, so this is not a bias report.  It is sad to say that the customer service I received from other companies I worked for is terrible in comparison to the service I have received from the bankers at US BANK! I have been a member for about 3 years, and I usually go to the branch inside smiths grocery store, in Sunset Utah. They are amazing. There has been some employee turn over throughout the last couple years, but the service is still great. I am blown away that they know my name EVERY TIME I go in. Even the bankers that are new to the branch, learn my name and my "habits" very fast.  As far as the person that was complaining about the banker showing up to work sick! ARE YOU KIDDING ME?!?!?!?! Do you even know what their schedules are like? Probably not. Banks, well at least the ones inside grocery store, do not have 30 employees that they can just call up to cover if someone is sick. I applaud them for being grown up enough to tough it out. (As long as he/she was washing their hands! :-)  Having worked in the sales/service industry my whole life, I understand that there are people thst just have to find something to complain about, and that's what it sounds like is going on here. I have had a couple frustrations with US BANK, but not enough to complain like a child. I realize that they are human, and the make mistakes. I have made plenty in my lifetime. So for those of you that obviously believe you are perfect, and that everyone should bow down to you and wait on you hand and foot, and do whatever you ask of them, then maybe US BANK is not the place for you. But on that note, I don't think you will be happy anywhere! US BANK  is amazing. They are so great that I closed my account that I had with my previous employer for 12 years and moved over to  US BANK. I refinanced my mortgage with US BANK, I opened a CD with US BANK. Sometimes I make a stop by the bank when I am grocery shopping, just to say hi to my bankers. US BANK IS THE BEST!!

Horrible Banking Experience!!
- Jim98052 - Thursday, January 26, 2012 - 2:27 PM

Their smiles are FAKE, they have so many unreasonable FEES, and they remind you an LOAN SHARKS and Thieves! They find every reason to charge you overdraft fees! They hold your deposit for one day and in the meantime if you have checks coming the pay and charge you overdraft fees! I took my Business and Personal account to another local Bank :) BE AWARE OF WHO YOU WILL DEAL WITH IF YOU WANT TO HAVE YOUR BANKING WITH THEM! THEY ARE SHARKS! THIEFS! FACKE!!!!!! 

 

No Problem So Far
- user1 - Wednesday, January 18, 2012 - 11:49 AM

It is been 2 years I am customer of US Bank Checking Account. Their Deposit through scanner is nice feature. no need to go to branch . I can deposit from anywhere. few times I called Customer Service when I had problem, it was solved without any issue and CSR were nice and polite.(I dont like rude CSRs.) I give them 5 stars.

SLOW AT EVERYTHING!
- usa2012 - Tuesday, January 3, 2012 - 2:02 PM

Starting with deposits, you have to wait a century to get your money available.     Then, bill pay another one, you make checks to pay your bills and they don't substract it from your bank account until the people cash their checks, meanwhile you think you have all this money when in reality you don't.    Ok, how about at least taking it out with a pending note next to it and then when is cashed sending an email that it has been or not cashed!!    I don't like their system.  It is VERY INCONVINIENT FOR customers.     I miss my Credit Union where all the above was a feature in the checking account and it was SO convenient and easy to bank with them.   Too bad I moved and can go that far to bank with them.

 



PW

Prejudice And Discrimination
- archytype - Monday, October 17, 2011 - 3:01 PM

12+ years with US Bank in Chicago and legally married in IL as a civil union couple.
I moved a few miles west to a new location and usbank refused to cash a check addressed to me and my partner, which he endoresed.  apparently they are one of the few banks that have written in their corporate policy the right to refuse to cash a check of this type.
I went to my regular US Bank and had the check deposited and withdrew $20.  The branch manager from the bad bank called my regular bank had them call me to come in, return the $20 and retrieve my check which they were now refusing.
So they can pick and choose their customers, isn't that great!  Well luckily we make $300k and can win this lawsuit easily.  Extreme prejucide and discrimination!

U.S. Bank
- Bren - Sunday, June 5, 2011 - 11:39 PM

I have almost always had a good experience with this bank. The employees are always friendly and if I go to a branch were they are not familiar with me they will ask for my identification. Some people may find this as a hassle but for my security I find it welcoming. They do have a website which is user friendly and easy to access. My only negative experience is I have had to deal with some employees, personal bankers, that have not had adequate training. However they did go the extra mile to find the information I needed though it took some extra time. All in all I would recommend this bank to other individuals.

Not A Good Bank
- amgreviewer - Monday, February 21, 2011 - 7:16 PM

I did not have a good experience with this bank. I was charged almost $200 in fees for a $2 overdraft. The representatives that I spoke with were not at all understanding and wouldn't listen to my concerns. At the branch I used, I was constantly subjected to additional review of deposits by the branch manager. Overall, I didn't feel welcome or appreciated as a customer.

Worst Bank
- lytherenth - Thursday, January 24, 2013 - 12:46 PM

I came here because I hate this bank. I've had them for a long time now and have finally had it. They have litterally the worst sytem in place. I tried to set up an account to transfer money to a friend of mine who needs it by today. Should be simple, but then they asked me for this random activation code that you have to call into their office to reiceve. It gives you a phone number next to where you need to input the activation code, but the phone number goes to their general business line, so after waiting for someone to get to me, they have to transfer me and I have to wait there for someone to get to me. After getting the activation code, be sure to enter it in perfectly the first time because if you don't or if you mistake the activation code for a different number (like the cvvr code on you card) you'll be kicked from the site and will have to wait a whole 24 hours to call them back and get another stupid code because the activation code expires. 

Assuming a human might have the ability to speed this process up, I called them back, had to hold, was transfered, had to hold, was transfered again, told specifically, "Oh, this is above my pay grade", transfered again, and then finally told, "We have no control of that 24 hour time period. There is nothing we can do, you have to wait."

I have to wait? It's a computer, there should be some way for someone to override the system like any normal computer so that I can get what I need without waiting 24 **** hours. 

This was the final straw. I'm done with US bank. I would rather keep money under my mattress.

Great Bank
- 2005MBZC230 - Friday, January 11, 2013 - 11:32 PM

I moved most of my banking to US Bank almost 3 years ago, and have had no problems whatsoever.  The staff is generally knowledgeable and helpful.  I do think that they should waive their IRA fees for Platinum Level clients.

Changed Their Promise To Me Regarding My Government Check Deposit And The Hold Time.
- WO97051 - Tuesday, July 3, 2012 - 12:11 PM

US Bank ripped me off and I feel I must move my account.  The branch manager lied to me saying a federally issued payment had bounced in the past and that was the reason she placed a ten day hold on a check I've gotten and cashed in one day for the last five years.  She also lied when she said that the amount of the check was the reason.  This check was for under ten thousand dollars and I've cashed many others for greater than thirty thousand with a one day hold before this without a problem!

I'm changing accounts and would advise others that this banks main goal is to take your money.

Zero Stars! Plugs The Rug Under You!
- usbankSUCKS - Sunday, June 10, 2012 - 4:13 PM

I signed up for a free checking account and after 3-4 months, right when I was moving to Texas, I signed up for paperless statements.  At the same time, US Bank starts charging me a maintance feed.  There was no US Bank in Teaxas, so I didn't have much activity on the account.  Half a year later, I saw charged up my free checking account in fees.

I did tell them that I moved to Texas and gave them an address change.  They said, they mailed me information regarding the status change of my account.

Nice move!

I felt cheated, sure it was just 6.95 x 6-10 months or whatever but the money was not the issue.  I never thought fees really mattered before but now I see where people are coming from.

Try another bank, any bank, let 'em cheat you once shame on them, let 'em cheat you twice shame on you.

Horrible Customer Service...
- SKBASS - Thursday, March 8, 2012 - 1:43 PM

I have banked with US Bank for years now and their customer service just keeps getting worse.  I was travelling over the past week in Memphis and Nashville and the first hotel we stayed at preauthorized $50 on my debit card which was fine.  We left Memphis and went to stay in Nashville the remainder of our vacation.  There we stayed at another hotel which tried to preauthorize my card and said that they were unable to get it processed so I provided them with my credit card.  Later I see on my onine account info that they preauthorized my card anyways for $100.  Meanwhile 3 days after leaving the Hampton the $50 they preauthorized was still on the account and the other $100 from the new hotel made my available balance go negative, although I didnt incur any charges at either hotel.  I called US Bank who stated there was nothing they could do about the charges, although they hit me with $73 in NSF fees even though after the preauths were finally removed 3 days later my account should have never been negative.  Despite doing the right thing to a loyal customer who has never had a negative balance, they stated it was all in the fine print and they were not going to remove the fees.  I AM LOOKING FOR A NEW BANK.

WHAT Is The Policy US Bank?
- Randolph - Friday, July 15, 2011 - 1:01 PM

 Do you put $200 in an account and only charge $2 or do you charge $200 and keep bilking the customer? Just looking for the truth, Yo.

Should Be Zero Stars
- hateusbank - Wednesday, February 13, 2013 - 11:25 PM

I find it interesting that almost all the reviews are 1 star except for the peppering of 5 stars. Most likely US Bank PR people trying to make their bank look better then it is. We have a boat loan through them and they are beyond horrible!!!! Hardly ever post a payment correctly. Forget trying to pay down principal...they refuse to do it. They call the house if the payment has not been received on the due date. Never mind we have FICO scores over 800 are in our 50s and never paid one creditor late EVER! They could care less if there is a grace period. Callers/collectors are beyond rude and condescending. We have never been treated like this....ever! Steer clear of this place. A loan shark would have been more pleasant to deal with.