US Bank Reviews

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!

I had a terrible experience at the US Bank on Crenshaw Blvd in Torrance, CA. I tried to withdraw $1,200 in cash from the ATM, but it was short by $100—I only received $1,100. I immediately called headquarters after getting home to report the issue. The representative who answered said it would take about 10 days to process, and gave me a case number (Case ID: **). Today I received a letter informing me my claim had been denied. Despite the ATM receipt showing $1200, I only received $1100 in cash. Consequently, I have no supporting documentation. If USBank Torrance Branch examined the cash balance on ATM at the end of day, they would easily detect a mismatch.

They closed my account for no reason. The fraud team Kayla is worthless. They refuse to send my money left in my account. I’m calling a lawyer tomorrow on this situation. They kept telling me my check was mailed out. Was all a lie.

CAUTION: If you have a beneficiary listed on your accounts with US Bank you could risk losing everything. YES they offered the person listed as beneficiary a debit card and to make things worse, I could not get to a person to resolve it.

This is peak end-stage capitalism. Not that I expect any credit card company to be a pillar of virtue, but this is a whole other level of blatant disregard for customer service. The agents at the local branches are typically somewhere between annoyed and rude or just bored and slack-jawed, and the phone agents must get paid bonuses based on how catty they can be in a single short call (spoiler: they all win).

I cancelled my account at a branch end of Oct, 25. The agent said everything is cancelled. However, I found out a month later there's a "reserve line" account, and it's charging me penalties fees without notifying me. I accumulated $123+ in unknown penalties, for no reason. I called many times and was not able to pay on the phone or online. I had to make an external transfer from another bank which incurred an additional $30 making the loss to $153. This is a scam. Will never do business with US Bank ever again.

Visa Cash Plus Card, suggested by staff: Currently offers 4 % cash rewards for few categories. I choose: furniture. (max 2000 $ is listed) But, not of the rewards you earned - Customer Service said: of the price you pay. My 2 furniture purchases where both higher that 2000 $ and that cancelled my rewards !!!! Watch for this SCAM from Visa. If You buy furniture: BUY EACH CHAIR OR piece of transaction separately!!! Or - USE OTHER CARD even better nowadays!

Do NOT consider this bank to do business with! I also work for a bank and NEVER in my life have I encountered a bank that does NOT care about the MAJOR FRAUD and SCAMS committed against their good clients' credit card accounts and does NOT help to FAIRLY RIGHTLY RESOLVE and help their clients! I paid off my cred card the end of September and trying to build my good credit higher to purchase a home. October 22, 23, 24th, a SCAMMER went shopping on my card and racked up $900! I called at least SEVEN TIMES for help and resolution! US Bank agreed with the merchants that I have NEVER heard of of used or needed their product and CHARGED my acct. for it! US Bank said they mailed docs for me to fill out but I called and asked about those docs that I NEVER received! The WORST experience EVER!!! RUN!!!

If I could leave 0 starts I would, horrible banking system. It never works! All the customer support people have no idea what is happening. The app fails to transfer money almost every time and no explanation except “oops our system is not cooperating.”

DONT BANK HERE. I’ve been with US Bank for 17 years. I’m pulling my account. The customer service is so poor. I went in for a car loan. They advertised 5.38 rate with a credit score of over 780-800 meeting requirements. My credit is over 800 and my dealership was from their list. No one wanted to help me. I was asked why I wasn’t going through the dealership, Because I’ve banked here 17 years and you advertised a loan at a rate of 5.38 percent. Why do I have to justify myself? It was harassed so badly I left. I’m pulling my account. I usually do everything on the mobile app when I do need support they are horrible. DO NOT RECOMMEND.

Probably the worst bank ever. Paid all my credit cards off and still reported to credit bureau that I was late when it was a bank issue. Still lost over 20, 2, 33, 2, 24 points in credit. All for different cards. I closed all accts. previously because this bank sucks and I think that was the retaliation. DON'T BANK WITH THEM.

Never could stand US Bank. Banked with them a very long time ago and it was terrible. Now unfortunately, I have a car lease through them that they are beyond incompetent about. Mind you, it's the end of October, and just received three bills in the mail.....for May, June, and September. All three have different amounts on them. All three are completely wrong. And all of my payments have been made on time or before hand for over the bill amount. Good luck trying to get information by phone or online. Seriously, DO BETTER.

If it were possible, I would rate US Bank a zero. They spend millions on ads, promoting how trustworthy they are to handle your money. What a fraudulent train load of deception. I tried to send money to a relative with Zelle... they blocked it. I spoke to customer service with guarantees it would be corrected...and still got blocked. They claimed you didn't know my cousin!! They claimed my cousin is scamming me. They say if I complain to upper management, they will debunk me!! I tried to wire money because of the situation. US Bank wants to know why you need to send money instantly!

Had a horrible three years dealing with them. Short version, closed my account, never returned my money, lied to my face and one of their board members and top officials are now serving time for trying to steal my money. Goodbye and good riddance!

Horrible customer service. Bank has misreported information to TransUnion over almost 4 months. Multiple disputes but they still have not updated the information with TransUnion. US Bank staff do not know how to navigate their own organization. So many mis-transfers, and disconnected calls. Too many "no we can't do that" responses; no solutions. No returned calls after promised call backs etc etc etc. They insist on doing things in writing with response times over 30 days rather than making it possible to share screens etc.

I paid off my loan in October of 2021, selling now and these fools have never release the lien. You fools have been paid off for 4 damn years. Now I have to jump through hoops to get that document electronically and sent to my new address. NEVER USE THIS BANK FOR ANYTHING.

US Bank, you obliterated my stellar financial standing by terminating ALL FOUR accounts I had with you, without even giving a rationale to Customer Service or the local branch. "The letters are in the mail" is all any human being could say to me. Personal Checking, Personal Line, Personal Loan, and a Credit Card were ALL closed without a moment's notice, whilst doing renovations to my house and taking short summer vacations, in the interim. The letters belatedly arrived noting that each account was terminated for "suspected fraudulent activity". Even the local bankers were mortified for me. I had been an exceptional loyal customer for 24 years with you, US Bank, even when overseas with the military! Thankfully, Bank of America swooped in to help begin picking up the shattered pieces of my life and will forever hold my business and, now, my heart in the palm of their hands. To give you even one star, is one star too many.

Disputed a fraudulent charge for concert tickets trough Etix.com someone used our debit card number to purchase, sent to a different address than ours for a concert in KC (We live in Denver). USBank Fraud agent closed the case stating the merchant (Etix) claimed the charge was legitimate and could prove we made the purchase because the billing address matched (when in fact it did not). Agent didn't change their mind even when this was pointed out more than once.

US Bank recently froze my account for 6 weeks and returned funds from treasury benefit I had earned that were 100% legitimate. I had a large deposit wired to US Bank, transferred funds to other accounts and paid bills. They froze my account for “suspicious activity” and initiated a return of funds to treasury dept. I provided proof of legitimacy and wire which showed their validity at local branch, efraud dept, forgery dept and district managers at US Bank.

**** BEWare*** before banking with USBank. I started purchasing crypto and every so often a fraud alert would flag my account and normally would be removed after a verification completing a verification process through the fraud department. Now all of a sudden after 3 trips to the local branch upon showing all requested documentation my account was frozen by the risk department even though no fraud was detected and now I can't even close my own account until who knows when. This is totally unacceptable and had caused a horrendous inconvenience.

U.S. Bank falls on its face when it comes to money electronically transferred from an external account. Don't electronically transfer money from an external banking account to U.S. Bank unless you want to wait over a week for it to be deposited. It'll yank the funds from your bank right away and sit on it for over a week or more before they credit your U.S. Bank account. Go to a branch and transfer the money. It'll be credited that same day.

US Bank continually finds new and innovative ways to charge its customers fees. Don't bother with this bank. They will agree you meet the requirements to have the fees waived one day, then change the requirements the next.

Simply, stay away from this bank ... Customer service that only helps you to get more frustrated and upset. Setting up online account is a rocket science. Their website is more down than up. Spent 2 hrs. trying to troubleshoot the log in issues. At the end, I gave up and requested to close my VISA Shield credit card I had only for about three weeks.

US Bank is no good!!! All they know how to do is say I'm sorry. Will not honor what they sell. Supposed have 50$ overdraft no matter. But not true. They say after they sucker you in the system picks if they gonna let you use the overdraft. What bullshit bank.

Horrible service. Right hand doesn’t know about what left hand is doing! My car lease was up july 26. My last payment was July 1. Car was picked up from my driveway on July 29th by US bank. I keep on receiving calls from us bank that my August payment was not received and my account is still open! This entity is a joke!!!

These guys are crooks... If you have options, do not look at them... I requested a balance transfer and was hit with an immediate hard inquiry. Their algo sucks, so it didn't even pick up my credit card balance to be transferred. Now they want to do a second inquiry to actually do some underwriting. Two inquiries with no clear understanding if they will approve my request. Customer service is horrendous. They will not give any guidance and practical advise. These guys are legal crooks. Don't apply!

25 minute wait to reach someone to report fraudulent activity on my account. This came after waiting for 20 minutes for a person to answer my original attempt to reach customer service only to be told I would need to call another number for a fraud report.

First issue. Paid for a stop payment on a reoccurring bill. Bill came out anyways. Got over-drafted, had to pay the bill/stop payment price, and overdraft fees. Closed my bank account with them. Now with the credit card, got charged 3x for a Sam's Club membership due to a software glitch, told by the manager of the Sam's club to dispute the 3 charges, disputed with US bank, bank declines all 3 disputes... Will be closing the credit card account shortly. This is what happens when everything becomes an unchecked monopoly, it's not mistakes, it's all by design.

I’m writing this review to express my deep frustration with U.S. Bank’s customer service. If you’re not computer-savvy or if you value straightforward, helpful support, this is not the bank for you. One of the most alarming things I experienced is their request for login credentials as part of their identity verification process. In an age where bank scams and phishing attempts are rampant, it’s completely irresponsible to ask customers for that kind of sensitive information, especially after I had already provided other details to verify my identity. Their security measures and customer service approach seem to completely disregard the needs of elderly or less tech-literate clients. There is little to no accommodation or flexibility for those who need real, human help. Bottom line: Bank anywhere else and you’ll likely receive better, safer, and more accessible support.

They constantly have system updated and I feel it is so rare to be able to even use my card or the mobile banking app. I'm tempted to close my account and just use straight cash everywhere because banks have proven to be untrustworthy. Especially US Bank.

It was extremely hard to set up a business bank account with US Bank. When I was able to get an account it took weeks to deposit money into the account which should be simple. When I thought the account was set up, US Bank shut the account down days later due to potential fraud. Now it is taking over a month to get my deposit back. I have been on hold with the fraud department for hours in total. I went into branch locations but they are not able to help. I am struggling to get MY money/deposit back. It is ridiculous!

Horrible service. Any other bank can look up your credit and deny you or accept you. They purposely waste your time using your information who knows for what. Highly advise to find any other bank. This people just get customers because of their past.

I am referring to 4451 Central Ave. Refused to do: First: I refused to do online. Second, would not do wire money to my sister's account. Third, they lost my two rent checks and I got evicted because of them not willing to do their job. Fourth, every time I went to see them, they would say no and walk away from me and refuse to give me what their name was. I have really received bad service at your bank, that man and woman, under 25, will not do anything to assist me in any way except to tell me all this can be done online. I am not the online person. I go to a bank to have my banking done. We used to bank that away, please please contact your workers.

I’ve never had so many issues. Being thrown back and forth from regular customer service to wealth management and then back again to regular and back again to wealth management all to close an account. Being told over and over to go to a physical branch nearby. Terrible.

I have been with U.S. Bank for over 50 years. I have been totally satisfied until this year. The service has gotten very bad. They have outsourced to the Philippines which I personally so not like. The reps. do speak English but they are often quite difficult to understand and they frequently speak over me so that it is a problem to inform them of the reason for the call. One of the worst decisions they have made this year is to use Fiserv, a private company to do some of their banking concerns. I have been trying for well over a week to contact them in regard to a letter that I received about my acct. I cannot connect to a representative no matter what I do. I have been disconnected several times. Often when I key my information in I am told they cannot process my information. In looking up the reviews of Fiserv I found they have zero plus reviews. Please USBank go back to being the bank that serves your customer needs as before.

This bank is so archaic, it feels like we're living in the Mesozoic Era (dinosaur ages). Everything is done through the mail or fax. I haven't seen a fax machine in maybe 15 years. The customer service is also atrocious—often having to repeat yourself, receiving wrong information from each representative you're redirected to, and then not being believed that someone just said that to you—slow and exhausting. If you're disputing a charge, don't expect to be supported by them in any way. A representative I spoke to didn't know what day it was or how to do simple math (13-6). Don't. Avoid.

I made a telephone appointment and the banker called 40 minutes after the appointment. She could not help me and just kept telling me to go online. I then made a physical appointment at the bank. They said it was the bank manager. The appointment was at 9am. By 9:35 he still did not show up. I had to leave. Terrible. They should cancel the appointment if they are not meeting with you.