US Bank Reviews

In regards to the ridiculous US Bank Focus Payroll Card. I'd give zero if I could.

Calling into the Customer Service line to inquire about a letter I received regarding an investigation of a charge to my card I was met by Mona. The rudest CX person I have ever encountered. She interrupted me, would not let me ask a question, argued with me and hung up on me. I did not get my issue resolved and now I have a fear of calling again. I do hope all of the CX people are not that horrible, and I do mean horrible.

US bank customer service is really bad. I filed a credit card dispute with the VW Cardinal Way Corona California for their service on vehicle warranty. Submitted invoice and proof of VW warrant services at the other dealership to them as requested. US bank dispute case worker closed the case with reason can't support the dispute without telling me in email or writing. A very bad, don't give a shit attitude of the US bank customer service, I just had it with them.

I opened a US Bank Credit Card in October or November of 2025. I have paid every payment on-time and have proof of it, but US BANK charges me a LATE Fee, ever single month without exception. At first they waived the fee a couple of times, but now, they say that I have had the FEE Waived too many times to waive it any longer. That sounds like a good policy, except none of my payments were ever LATE. They are basically stealing the LATE fee Amount from me every month! They refuse to look at the proof from my bank showing that they were paid on-time. I have called at least 3 times, sent 4 emails and did the chat thing once, they refuse to look at the proof (attached here is my Bank BillPay information for this account, it shows the Dec 2025 payment thru the May 2026 payment) (All payments were due on the 7th of the month, you can see all were paid on-time). I have record of the emails and chat.

I been with US Bank for 21 years. I have a Business and Personal accounts. 3 credit cards. Personal Money Market, and Personal savings. For 24 years I never invested my money. So US Bank had a large amount to loan out and I received under $10 a year. I decided to learn to invest. Open up accounts with the President at my bank. He said all kinds of lies. Customer service. Will bounce you all over. Not my dept. On hold. Hang ups. You get a reply back from a email. But you can reply back. The email will go through, only the next day say. It didn’t. I go back to my bank and sit down with the main boss, no one is ahead of him. He says oh…. Go back and try a different custom service agent. Bla bla Bait and switch is their game now. The fees are so stupid. So tricky. They have become con artist. Most will just give up. I’m leaving the bank. I can’t work with liars.

I have been a US Bank member for a while and have used them periodically as a Zelle account. Within the last few weeks I have placed a large deposit into my US Bank account and almost immediately experienced my account being hacked. Coincidence I'm not sure. But, a US Bank representative helped someone hack my account by changing personal information by phone.... creating a multitude of problems that including the account not being placed on hold correctly. And, the hacking continued.... Numerous(70 plus) debit transactions taking money out of my account.

Updated on 05/11/2026: 2 days ago, I learned that US Bank stopped the automatic withdrawals for my wife's Medicare supplemental with Cigna 3 years ago and the policy lapsed (3 years ago), without our knowledge.

Before US Bank took over Union Bank, I have been a loyal customer since 1996 without a hitch. I was not sure what level of quality we would receive after the change. I started using the branch that is closest to my home when I moved to this area five years ago. Within that time, I have been subjected to rude employees up to my having to report them to their managers on a few occasions. There just seemed to a be a core group of women in there who would treat me like we were high school friends... with them being bully-like in their treatment of me. So I stopped going into that Branch all together. I would use the ATM out front and simply avoided their unprofessional behavior. Then I realized that there is another Branch not far from my home in an area where I shop.

I’m very confused on how I have to be charged a six-dollar fee when the people over the phone messed up my delivery address and also I never got my first card to begin with. So I feel as if I shouldn’t be charged a six-dollar fee for something I never had for y’all to replace and also I just got off the phone with a supervisor and she said her name was Brianna, but she could be lying. But all I’m gonna say is I am very disappointed with how y’all can’t waive that because it’s not my fault. It’s the company‘s fault and if it wasn’t for me working at a certain spot, I will not be getting my card from y’all are a terrible company.

Experiencing difficulties with my family checking accounts. I had to close one account and open a new one however my transactions are coming out of another account that doesn’t have my name nor same card information. Working with staff have been pleasant; however experiencing this, now appears with a lack of understanding of US Bank systems. I hope when I go in again today that I get someone that will stay on task with my request….

This is the most inconvenient banking institution I have ever had the displeasure of experiencing. I have been a U.S. Bank customer for years. I deposited a physical check in the ATM. It took 11 days to clear. I recently deposited a check through the mobile banking app that I was given through the bank on April 4. The bank said my funds will be available by the 14th. They were indeed still being held up. I received a letter saying that they were going to continue to delay my funds until now the 16th. Unacceptable that you purposely delay your customers who have never bounced a check in their account since the account has been opened.

After over 30-years they have lost me as a client. No more mortgages, checking accounts, etc. Horrible treatment of clients. I have kept a checking account, rarely use is but keep $1K in it. They told me if I didn't have more transactions they'd have to close the account. No worries, I closed it. Then I needed to send them some docs regarding my brothers account, they have no way to upload into a portal or accept email. Have to snail mail or fax, really? Who has a fax anymore. We closed his account.

I recently accepted a credit card from US Bank for a balance transfer. After requesting the transfer, and after my account was debited I was told they can’t transfer to a checking account. They wanted to charge me 31% and called it a cash advance. After nearly 4 weeks of not getting the transfer, I talked to several customer service people and they lied to me about federal law forbidding them from transferring money to my checking account. It is not a federal law, the bank policy says no to transferring to checking account. I’ve talked to and done business with many banks to confirm the federal law. U S Bank are liers. It’s been over 4 weeks and I still dont have my money returned. RUN RUN RUN. Do business with anybody but USBank.

Terrible service at the mission Viejo branch. Patty didn’t want to cash my check. Didn’t know what she was doing. I had to waste my time and I had to go to another branch where no questions asked. They cashed my check there.

I have been with US Bank for at least 25 years. I travel around often. Anytime I call the US Bank 1-800 # or walk into one of the many bank branches in this country the employees are always very friendly and professional. Thanks so much. Mr. **.

I have just had one of the most gratifying experiences of my life. I closed a mortgage with U.S. Bank and my loan officer, Rick ** and his team worked endless, tiring hours securing me the best rate, and mortgage possible. Not only is Rick knowledgeable, patient, understanding, and fun, he is one of the kindest people I have ever had the blessed fortune to run into. When you're ready to secure a mortgage, call U.S. Bank and ask for Rick **. You'll be as impressed as I am.

Banked with US Bank for 7 years. Got a call there was fraud on my card & they need to send a new one. Not overnight, not priority, just 5 to 7 business days. After waiting 4 days with no update or tracking number, I called US Bank. Turns out they sent my card to Miami - WHERE THE FRAUD WAS COMMITTED!!! Then they tell me it ain't my business to know how this happened. As United States bank holders, we're all are protected under Truth in Lending Act (TILA) / Regulation Z to safeguard your money. THE ISSUE IS THE TIME & EFFORT. Went to another bank and WALKED OUT WITH A NEW CARD. Nice folks at the branch - but Corporate Leadership SUCKS.

Be careful with their fee structure. I was hit with multiple charges that weren't clearly disclosed, even though I made a deposit before they forgave the over draft fees they still charged overdraft fees and 1 item got returned that should of been paid and despite being a loyal customer for [Number] years, they refused to waive a single one. Their policies feel predatory rather than customer-focused. I’ll be moving my business to another local bank. Customer service was very rude.

It's the old saying "If I could give zero stars, I would." When I applied for disability, Social Security opened this account at US Bank. I didn't want my account there. The biggest problem is my SS direct deposit on the 3rd of each month. It's being posted later and later all the time. Here it is almost 8 am and it still hasn't posted and an ice storm is going to start soon and all I have is a bicycle. I'm at Walmart waiting. Last month I got it posted at 7 am, this month, like I said, it's 8 am. Not to mention that I'm currently on the East Coast and the only ATMs that are free is at 7-11. Well I'm in New England and the closest 7-11 is 8 miles away. There is no US Bank branches in the store I'm in. So incredibly pissed right now. If that ice storm starts I will be screwed big time!

US Bank has terrible service, the right hand doesn’t know what the left hand is doing. I removed myself from an escrow account for homeowners on my mortgage that they charge me $29 to do. I paid my homeowners insurance in full and had them email the new policy to the bank. US Bank went and paid them again and then sent me a letter to return the payment to them when I receive it from the insurance company. My mortgage was sold to them by the bank I originally went to for the mortgage. If I had known they would do that I would never have taken my business to them. US Bank is a disaster. Stay clear of them.

US Bank is absolutely the most unprofessional crooked ineffectual organization I have ever dealt with in my 53 years, I am stopping all future deposits, and will be pulling every penny out tomorrow, Monday morning my children have gone without food going on 2 days now even though My balance is in the thousands, I have made over 12 calls to their "fraud specialists" and every person I have spoken to has given me a different time when I would gain access to any money, DO NOT BANK WITH US BANK, save yourself and your family hours and for that matter days of the most unprofessional experience of my life, they should be ashamed to collect pay checks for the way they operate.

Worst I've experience. They charge me late fee on a duplicate transaction. I was eventually refunded by the service provider but the dispute department marked my account for fraud and ruined my perfect credit score. They are criminals and DO NOT TREAT CUSTOMERS WELLS.

Went to use their ATM here in Las Vegas at 7-11 and it did not dispense my 140 that was my money for the week to get gas to get to and from work. I had to file a claim and it's gonna take up to 10 business days to get my money back. I just started working again. I'm already broke and trying to make ends meet. Now this.

I regret to inform you that my experience with your institution has been nothing short of abysmal. I just ended a call during which I was informed that there were 4,000 calls in the queue. Over the course of the last three hours—from 3:30 p.m. to 6:30 p.m. on February 11, 2026—I was placed on hold for a cumulative hour, with no meaningful resolution.

I have not had a good experience with US Bank. Been with this bank over 15 years. My account was close without any valid reason! Spoke with 4 different bankers in the fraud department only to be told my account was under investigation but they couldn’t tell me why. My entire family has an account with them. We are now closing all our accounts and taking our money somewhere else. I explained to the bankers that I need my money so that I can pay my rent. Don’t want an eviction notice for something that was not my fault. I have the money in the bank and they want release it nor tell me what’s going on.

I am very disappointed with the US Bank Credit Card. I had overpaid my credit card and transferred the overpayment to other US Bank accounts and I was charged $250! Customer service is awful. What is worst is that I have been a customer for 30 years!

This bank shuts down my card every day. Their system thinks any expense is fraud. Then I have to spend an hour out of my day to get it solved over the phone. They have longer wait times and the phone system never understands what you need yet it refuses to transfer you to a real person. It’s almost impossible for me to use my bank card.

We have had our Visa Credit Card for nearly 25 years, however I will be discontinuing their services as the result of very poor service I received today. I spoke with a representative named Quita, the most unprofessional representative I have ever spoken with. When I asked to speak with her supervisor she declined and would not allow me to speak to a Manager. Therefore I will be discontinuing their business relationship! Speaking with Quita was like listening to a computer recording. She was programmed to say something from a script, it did not feel like I was talking to a human until she started talking over me then I knew it was not a computer but a person! VERY UNPROFESSIONAL!!!

I have deposited two checks in the last two months and they have held both of them. The first one, seven days and now this one, which is from the State of Minnesota, has been under review now for six days! Ridiculous! Holding my money! I am closing my account and I am done with them forever!!!

I have two business accounts with US Bank, and although my main two business banks are Bluevine and Chase, I am pleased with US Bank - no complaints! Okay, if you are looking for more interest on your savings, then go with Raisin or Marcus - other than that, stop whining already!