US Bank Reviews

I had a balance of 18.87 in my checking account. My direct deposit from work of 951.22 was added. Two days later, a check that I had written the day before in the amount of 42.68 was debited to my account, but they put it in before my deposit, creating a deficit of 23.81. They charged me an overdraft fee of 35.00.

I checked my acct online only to find it in the negative. They took out $598.86 for Overdraft Recovery. This was my rent! I called and spoke with two different customer service agents who told me it was for an acct from 2004 that was charged off, which I only have the one account.

We generally deposit over 7,000 a month into our account, but yet they put holds on our cash deposits. I have had nothing but overdraft fees after overdraft fee's with this bank I went to close my account and was told that I was overdrawn and they would reverse these fees. I kept an eye on my account and nothing was done. Three business days later I got a call from a branch that told me they wouldn't help. This caused a 28.00 fee for every over draft fee that was not my fault due to banking errors.

I have had my account with US Bank for over a year now, and there have been multiple occasions in which I received overdraft fees for debit card purchases even though there was more than enough to cover my purchases. What US Bank is doing is wrong, and they need to be investigated.

the first problem was a hold on my company payroll check. the second problem was a counterfeit bill from usbank that was identified by a casino cashier. the next problem was in a checking account transaction my savings account balance was automatically transferred to my checking account and a $45.00 fee was charged. next my account was charged a overdraft fee that created a negative balance. this was followed by three additional overdraft fees.

My roommate banks at US Bank. She gave me a check for bills that had been paid by me earlier and said she had no cash, so just take it to her bank and they will cash it. I went into the bank and presented the check to Stephanie -- who ignored me for about five minutes because she was in deep conversation w/ another teller about how long a lunch break someone else took and how she "has issues."

US Bank is ruthless. I had made a deposit and received my receipt showing my balance and no hold. I wrote out checks. Then the next day I called and they said I was fine. They paid three of my checks and charged me $23.00 for each of them total of $69.00.

My balance went negative because they process withdrawals immediately, but sit several days on deposits. When the check was finally processed, it brought the account positive. They then assessed $70 in fees because of the previous negative balance. Because this fee drove the balance negative again, I was charged $100 in more fees. A similar thing has happened to me twice before in the little over 2 years I had the account. Over the 3 incidents, I paid about $400.

I got online one day to check my account access and realized that it was overdrawn. I had been charged about ten overdraft fees. The woman that handled the checks was very rude and insulting. She refunded half of them. I am positive that I was doubled charged for the checkcard purchases, but she expertly evaded being put on the spot. It makes me think this must happen quite a bit. I than asked her about overdraft protection, and I was told you have to have excellent credit for that. She said this in a very rude manner. Well, there is nothing wrong with my credit.

Consistently charged overdraft fees for an account that was positive, which in turn causes enormous amounts of returned checks, etc. I closed one account after over $2,000.00 in fees thinking that maybe I could get control of the account. Second account has been opened for two months and 7 days and has charged me over $1200.00 in bogus fees. The only reason my account ever went into a negative is because of the bogus fees.

For the past year I have been beating myself up thinking that I was just a horrible banker. Whenever there was something I didn't think was right on my statement I called and asked a Customer Service Rep (or went into my local branch). I have been charged fees upon fees. I always left more confused. This past Tuesday, I deposited $2,000.00. I had $53.00 and like always the teller said the first $100.00 was put in the account and the rest would be available Thursday.

They use their Available Funds policy to rip off their customers with overdraft fees. It seems that every time I even use my debit card for a small purchase I end up getting charged over $100.00 in fees. Recently they added the credit advance feature to my online account. I advanced some money to pay a bill which was paid the same day as I advanced the money. I then had a check deposited the day after.

I opened my account with the bank in early February. On Thursday Feb. 15th I deposited a check (over $550) into the bank account from Time Warner Cable; paycheck. On Monday, after confirming the check cleared, I did my daily transactions as normal. It was brought to my attention on Wednesday the 21st of February that my account had an issue; a debit trans. was denied, so I called in to inquire. I was told by the branch manager that their bank has a policy of holding any check for the first thirty days of account activity for an extra five days after clearing.

I called them because they never received my monthly payment, and I was going to be charged late fees. So, like anyone would, I called them and made spoke to them about it and was advised to make a payment over the phone, or cancel the check with my bank. Here's the catch... if I cancel the check with my bank, it will cancel any type of electronic withdrawal they make against my bank account for that same amount, since they don't deposit the actual checks that they receive.

On November 11th, 2006 I deposited a check into my US Bank account through the atm. Thinking that my check would be posted (it was only for $82) I proceeded to use my bank card. When I got paid on the 17th I noticed more than half my paycheck was missing ($637 worth). Just to let you know I am a single mom with 3 boys and I work hard to put a roof over their heads and food in their stomachs. $637 is enough for us to go hungery. Plus it's a week before Thanksgiving. When I learned of this I went to the bank and asked what was going on.

They can not send my credit card statement in a timely fashion. My statement end on the 17th of the month and I receive it at my house 1 day before it is due causeing my to have a late fee. They claim they mail these in plenty of time. Usually within two weeks but there is no way it take to weeks for mail to get across the country. This has happend to me 3 times now. I don't think I should be punished for there mistake. They are also good at blaming someone else i.e. the post office or me. I always pay my bills on time and in full so I feel this is an unfair way to conduct business.

I was recently denied a checking account with my local credit union. The ChexSystems report stated that someone had opened a checking account with US Bank using my social security number and a different name. US Bank had closed the account due to account abuse and reported the debt to ChexSystems. I called the US Bank fraud help line and they were little help. They told me that I'd have to visit a local branch to prove my identity, but I would have to wait two days before they could fax the paperwork to the branch.

I received a 'special offer' with my current bill to accelerate my mortgage with biweekly payments. After reading the fine print I discover I was agreeing to have US Bank & any affiliates draft an additional payment of $295.00 to 'start' the plan. I also was agreeing to a monthly service charge of $5.42. To clarify these charges I called the phone number given on the paper...which was 1-800-458-1564... During this first conversation with a customer service rep I asked if it was possible to waive the 295.00 charge and she said that was up to US BANK and asked me if I would like to be transferred. She said it was up to the company advertising the deal on the paperwork. When I read the exact words back to her that stated US BANK would draft this amount...she placed blame on the other company and said I didn't understand.

I found that US Bank debits checking accounts by deducting the highest amounts first regardless of when the debit was made. I made some small purchases such as groceries and gas. At the time of the purchase there was plenty in the account to cover. A few days later a large ACH was drawn. All charges reached the bank at the same time. Because there were insufficient funds to cover the ACH and because US Bank debits the highest first regardless of when the charge was created, rather than one overdraft charge for the ACH, I had six $35 charges. When I complained, the bank tried to get me to get another credit card or open a home equity loan account. This is an unnecessary and sneaky way to make more money. I have no control or idea when debit card purchases will appear at the bank.

Fed up with US Bank Today I spent two hours on the phone with representatives and management from a bank that grossed at the very least $1,000 in overdraft fees directly from my account. The bank who encouraged me to set up an internet banking account to keep better track of my account, was charging me $35 dollars for checks in which had already (according to my internet banking) cleared my account.

I am a Girl Scout leader. Our troop had $730.00 in our account, but when I opened our statement one month, it said we had $4.00! I knew there had not been any activity with that account for several months, so was quite shocked. When I called and spoke to the manager (Marilyn something?), she said that another troop leader had drawn out all of her troop's money, and then overdrawn that account by $726.00.

I'm retired and very able financially to pay off of bills as they come due and we do pay on time and in entirety. Credit cards are a matter of convenience. I have had the World Perks for a number of years for purpose of travel and "miles". When we returned from Disney after Christmas Dec. we sent the payment in on Dec. 30 from the PO. It evidently did not arrive by Jan. 3?? And now they will not bend to release the late fee and a finance charge. It is claimed that the payment was not received until Jan. 4.

I have had nothing but problems with this bank and called the customer service line and spoke with Nina, after asking for a supervisor several times I got angry with her and cussed her out. Later on that evening I had 3 police officers at my door that Nina on behalf of Us Bank, had filed a police report claiming I had threatened to bomb their bank! I was taken to my local jail and later released.

I opened a new checking account with them. Approximately two weeks later I called to check the balance on the automated line. My social security number wouldnt work. I spoke with a representative. He couldnt make it work either. I said, well I just opened an account that doesnt have a lot of money in it, but I am concerned as to what happend to it. He looked it up under my name and found it.

I went into my bank's local branch to deposit a check. The teller, who spoke with a heavy accent, asked me if I had "received my new card" to which I replied that I had not. She stated "you will be receiving it shortly". As I was in a hurry, I left, assuming she was referring to receiving a new check card. I thought that perphaps my card was nearing expiration.

I recently noticed that my bank has been hitting me with overdraft charges. When I called to ask them about them, i was informed they charge the $34.00 per item that comes into your available balance. Meaing if you show you have $5.00 available balance, and you use your debit card for a $6.00 purchase, they will charge you the $34.00 overdraft charge. Bear in mind, this available balance does NOT reflect any credits you have coming in, I have direct deposit thourgh my employer, so i know my checks are deposited at 12 on the date of payday. Yet, US BAnk will still charge me these amount.

My boat was damaged by Hurricane Rita. My insurance company sent out a marine surveyor, who gave them an estimate for damages. The insurance company then sent out a check made out to US Bank and myself. US Bank refuses to endorse my check so I can get the boat fixed because they say the estimate from the marine surveyor is no good. They will only accept an estimate from a repair facility.

I recently obtained a Gymboree card from usbank, specifically because it had the option of adding your children's picture to the card. This morning I was told that I had to include the last four digits of the account number, as well as my entire social security number, on the photograph. After arguing with several usbank reps (including casey #10337 - she's not allowed to release her last name) that this policy protects usbank, while risking my identity safety, I was told to take it or leave it.

A company by the name of Liberty Wireless charged me for a cell phone I never ordered. I contacted my bank as soon as I realized I had been charged and they quickly credited me $1500 for bank fees and the cell phone charge. This was in August. Than on September 20 I was charged for the same product and I have paid $700 in charges for a product I never ordered or received. My bank has not made things right and I am on a fixed income. I am being robbed by my bank and this company.

I just started a new job and I am trying to get caught up on my bills but US Bank is making it impossible. They have charged me over $500 in overdraft and over the limit fees. These fees are $32 per occurance. My checking account has a negative balance and they are charging me $7 a day for this as well. I will give them credit they reduced some of the fees in the beginning but refuse to do so now. I try explaining to them that I owe them money and these fees are making it harder to accomplish this but they don't seem to understand.

US Bank ripped us off for hundreds of dollars. Their ATM system failed to process a simple transfer between accounts. This caused numerous checks to later bounce. U.S. Bank started "stealing" overdraft penalties from our accounts, even though the problem was caused by their mistake. Then they wouldn't give the money back. We had to sue US Bank twice to get our money back and repair the damage they intentionally caused to our credit rating (retaliation for filing a lawsuit).

In July 2003 I checked my checking balance at an ATM and it said I had enough funds available to withdraw $20. I did so and found out several days later, after going online to view my account, that I did not, in fact, have enough money to withdraw that cash. US Bank does not earmark credit transactions that they approve. The money is still available until the merchant submits the charge for payment.

On December 5th purchased used washer/dryer. Gave check for payment in full to company rep. Washer/dryer company said it lost my check). Called US Bank and requested stop payment on "lost" check. Was not advised of time limit on stop payment. Paid $29 fee. Issued new check deducting $29 for fee -- (If I had been advised of time limit I would have deducted TWO $29 fees!!!)-

we made a deposit at the above bank location on saturday to a live teller and during that same weekend we made several purchases with our visa check card. the bank authorized each transaction however charged our account a total of $280.00 in overdraft fees, 8 @ $27 each and 2 @ $32 each. the funds from the deposit were not available for cash withdrawl which is understandable but the visa charges have to be received and confirmed as does the deposit. they are telling me the visa charges are automatic and do not need to be confirmed but they will hold a deposit.