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About US Bank
U.S. Bank is one of the largest banks in the country, with over 2,000 branches across 26 states. Headquartered in Minneapolis, Minnesota, its products include checking and savings accounts, credit cards, mortgages and loans. However, it’s known for having high fees.
Pros & Cons
- More than 2,000 branches in 26 states
- Large ATM network
- Several ways to waive monthly fees
- High overdraft and transfer fees
- Below average interest rates on most savings accounts
U.S. Bank provides a range of banking services and products. Though its overdraft fees can be high, U.S. Bank offers convenience and financial options at thousands of branch locations and an online banking app.
ConsumerAffairs has collected 1,855 reviews and 2,008 ratings.
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Reviewed Sept. 22, 2023
Be careful when trying to send money through Zelle on US Bank. I tried to send money $100.00 to my son and the bank locked me out of my account for 48 hours then told me I have to call be in 48 hours and they still may not reinstate my account even then. I’m now looking for a new bank.
Reviewed Sept. 6, 2023
Marinda made a difficult process easy. She went out of her way to help get my provisional credit reversal reversed. I was out of town and had been waiting over a week for this situation to be rectified. After they told her it would be a few more days, she did her magic and got it situated within 30 minutes. Thank you for making a frustratingly situation easy. US Bank needs more employees like Marinda. THANK YOU MARINDA FOR BEING EXCEPTIONAL!!!!
Reviewed Sept. 5, 2023
I have a dispute with a dealer that they charge me 777.00, they supposed to send me that money back, never send me the money. I dispute this with US Bank and no help with this matter, do not trust this bank. Stay away.
Reviewed Aug. 26, 2023
I wish I could give below zero to the US Bank. Total nightmare. I tried to open a bank account online, and it did not accept any payment methods to activate the account. Then, I stopped by at one of their branches and opened an account which took 1 hour. I was waiting for my debit card but it did not arrive. Then, I called customer services and I was told that ID & address verification are required. When I opened the account at the bank, I brought my driver's license, password, lease but they still put on hold. One bank teller says they can give a temporary debit card and other one says they cannot. I had to make a second in-person visit to activate my account. Avoid them at all costs. As soon as they approve my application, I am gonna immediately close the account. Oh, last but not least they "automatically", open a second checking account without my consent or request. They did not even provide a valid answer how did this happen.
Reviewed Aug. 26, 2023
I'm a small business owner. I've had accounts with US Bank for 20 yrs. With my business I use online banking everyday including the app, 2 days ago I had a biometric issue with my phone when attempting to login to app, as result I had to reset my password which has never been a problem doing, however after the password reset I attempted to login and received a message telling me that my username has been disabled and needed to call for help. I have called 2 times (as I was told to wait 48 hrs. and call back if needed). Both reps told me nothing could be done to fix my login and that I would have to wait another 48hrs and call again.
As a result, I am unable to use online banking, I'm not able to see if invoices that have been sent to my customers are being paid, I'm also unable to see if charges are being made to my business and personal credit cards, I can longer see anything. I've never been treated as badly as I was when calling to fix the problem. Both reps I talked to didn't care and tried treating me horribly bad as if I committed a crime by having basic login issues. They flat out didn't care that I lost online access to my business accounts. I feel this problem will NOT be resolved, as a result I feel that I have no choice but to go through the process of switching banks, when all I did was asked that my login be fixed. With all this said I wonder how and why US Bank cares about small business. This minor problem that has a simple quick solution is having a negative effect on me and my business.
Reviewed Aug. 25, 2023
Wish I could leave zero stars. When setting up an account they say you can use the online banking and virtual card right away until your packet comes in the mail. They don't mention you can't use online banking until you receive your account number that is in the packet. I have to wait 10 days to receive my packet to start using my business account. Who can wait 10 days to bank for a business? When you call they're very unhelpful, a bunch of "sorry" and "we're aware of the issue" but no help. Not a good start, going to close the account and go with Bank of America.
Reviewed Aug. 24, 2023
Contrary to US Bank’s phone reps and managers, the state of Texas does not issue titles. They expect the loan company to mail. The DMV and two car dealers agree. I have had 5 car loans in Texas over 20 years. Bank of America, Chase, Toyota, Ford, and a credit union all mailed the title to me after pay off. I had to apply for a duplicate title at DMV and pay $40 to process. The DMV also said US Bank is the worst to deal with. I called and ask for a refund with a manager and they refused. My next steps will be letter of US Bank Office of President and BBB. Unbelievable experience.
Reviewed Aug. 21, 2023
I've decided to close both my savings and checking accounts with US Bank due to the frustrating inability to complete a basic online external transfer. Wasting over 40 minutes on the phone being shuffled between unhelpful agents and encountering a very rude manager named Nathan, is disappointing. Being denied access to my own funds for no reason, even within the bank's inconveniently low daily limits, is simply unacceptable.
Reviewed Aug. 17, 2023
Froze online access 8/17/23. I called and the associate didn't know why. When I asked to speak to that department she indicated they can't connect to that office and she indicated they have 24 to 48 hrs to reach out to the effected customer. I asked to speak to a supervisor and 40 mins later she indicated, "They are busy and they will call you back," but we all know how call backs are handled. My online access better be enabled within the next few hours or I will close accounts and move on.
Reviewed Aug. 5, 2023
On July 31, at 10:50 am, I put a $20 in the ATM at Riverside Dr. and Mariota Ave. I got a receipt back saying mechanical error. The branch teller said to call and start an ATM dispute. I started a dispute on 7/31 but have not received a refund for the missing deposit.
Reviewed July 12, 2023
My fiancé and I both applied for a US Bank credit cards (Altitude Connect) when our furnace suddenly went out and we had to buy a new one quickly. Instead of using the 0% APR with the furnace company to finance our furnace we opted to both apply for US Bank Altitude Connect credit cards because of the following Offer: "Earn 50,000 bonus points when you spend $2,000 in eligible purchases within the first 120 days of account opening. That's a $500 value redeemable towards travel, gift cards, cash back, merchandise and more." As well as an extend pay program which states "Extended payments for unexpected expenses. Pay over time on purchases of $100 or more with no interest, just a small, fixed monthly fee."
We both apply for the cards, we get approved, we discuss in great detail our plans for the cards to the representative on the phone.... each earn a little over $500 as we were both spending $5570 on our furnace, sign up for extend pay which would cost less than $100 and make monthly fixed payments with zero APR for our purchase and basically each get $400 for a total saving of $800 off our new furnace.
SOUNDS LIKE A GREAT PLAN RIGHT??? This was the worst plan and here is why. You must apply for extend pay within 60 days of your purchase, you are unable to sign up when you make the purchase you must wait until you are sent an invite to start the extend pay. Month one goes by we both pay over $100 in interest while waiting for the invite for extend pay, 60 days go by and still no invite for extend pay after several calls to Bank Of America they make it very clear they have ZERO control over the extend pay service they advertise.
At about day 65 we get an invite for extend pay, thats 5 days past the deadline and we no longer are eligible. We call Bank of American and again this is out of there control they can do nothing regarding extend pay. I do however explain my story to a representative and US Bank does refund our $100 in interest we both paid the previous month. So we both transfer our balance to other cards with zero APR for balance transfers we pay the 3% fee for the service and start making payments.
Since I now have no balance on my US Bank Altitude Connect Card it's time to get the cash rewards off the card. I attempt to transfer the $557 to my bank account as stated above CASH REWARDS....here's the catch you must have a US Bank account to transfer it to. So now I either apply for a US Bank checking or savings account in which my credit takes a soft hit, just so I can get the money I earned from the rewards program, or I get a $557 gift card which doesn't help me pay off my furnace and is not something I need. My fiance and I have spent countless hours on the phone with US Bank since the day we decided to go this route to TRY to save money on our furnace. As soon as I get my $557 that is owed to me I will destroy my card, cut all ties with this company, and NEVER do business with them again..
Reviewed July 6, 2023
In January followed a claim to have a charge reversed because US Bank canceled my ATM card without my knowledge and I needed a credit. Let me countless phone calls countless inquiries and I still have yet to get a credit they've dropped the ball over 10 phone calls I was lied to I was never told 120 days I was never told I had to have a phone name. Got a message this morning that 120 days have passed and my claim is closed. 10 phone calls and my claim is closed. Buffoon idiots.
Reviewed July 6, 2023
I am soooo frustrated! Communication is the worst. Corporate and the branch can't seem to get on the same page. I am stuck in the middle going from one department to another to get everyone on the same page!
Reviewed June 28, 2023
I applied for a business account for a new business I am starting. I went through the complete application and verification process and was informed that everything was approved and my account was created. After several days I had not received any communication about my new account so I called Business Account support and Verification Center. I had to spend about 2 hours of my time just waiting on hold to speak to someone. I received a letter informing me that I needed to call the Verification dept. to verify my account, which I had already done a week earlier.
After speaking with someone from the Verification dept again I was told that I had to re-apply, start all over etc. which made no sense. The agent could not tell me why my account was rejected just that I had to re-apply online. Will be taking my BUSINESS elsewhere. If this is any example of how they support their business customers I would rather not have them managing my money. Beware!
Reviewed June 9, 2023
My business account was transferred here after over 10 years at Union Bank. Transfer of online banking has not happened after a week and hours of wasted time with support agents. Total, utter incompetence. AVOID.
Reviewed May 22, 2023
Tried to open a CD Account (special deal offered as a part of the State Farm Alliance). Was not able to complete the online application (they don't provide enough information on their website) so I called customer service to assist. A very nice lady walked me through the process and actually completed the account application for me... mind you, this was the second time I had called for assistance. Everything was complete, I signed for the account. Somewhere in the process she transcribed a number wrong, or asked for the wrong information. I was told, all was set, all was OK...they had the information they needed to accept a six figure deposit. I waited, nothing happened. I called again, was transferred three times, but was told all was OK they would fund the account within a few days.
THEN, I get a letter from US Bank saying they will not open the account! Not enough, or the wrong information (remember their agent took the information down and asked all the questions). Somewhat surprised, I called again, actually three times to find out what was up and kept getting transferred from department to department...and was told my bank (Wells Fargo) refused to fund the account. I was furious and called Wells Fargo - US Bank never requested the funds. Called US Bank back again.
No answers but I was welcome to file a completely new application. After all this hassle to give them the use of a six figure deposit and over the past four weeks spending more than four hours on the phone with them either talking or on hold (that doesn't count the couple of times I had to hang up after being on hold for 45 or more minutes)...I wouldn't give them a plug nickle of my money. Would never give them my business....and highly suggest that when their "partners" such as State Farm send out solicitations for business...throw it in the trash. Absolutely not worth the effort.
Reviewed April 28, 2023
I was trying to reorder business checks. What a horrible experience with USB! Not only they do not have readily available option on their website, they have referred me to a third party with no prior knowledge of my ordering checks before. No one to talk to about this problem either. While most other banks have 24/7 service to address customer needs, this one does not have. The worst banking experience ever. I am so sorry I set up my business account with this stinker. Will try my best to transfer everything to a better equipped bank. Stay away from this bank for your personal or business needs. It is unstable and dangerous.
Updated review: April 8, 2023
After reaching out to a local branch rep, we were able to get my loan file reinstated. I signed loan docs and closing next week.
Original Review: March 25, 2023
I’ve been a happy, loyal Union Bank customer for over 20 years. During their transition to US Bank I was assured the same exceptional customer service & communication, but with greater services and online technology. 2/27 I applied for an equity line of credit. I was told US Bank was now handling Union Bank’s equity products. Fine. I spoke with Drew, started the application process and uploaded initial documents to my portal. I shortly began receiving correspondence from Sandy with updates & underwriting requests. She was very responsive, returned my calls and addressed my questions. I promptly sent all documents as needed, only to be asked for the same documents again! This was the first red flag. Seems their system had trouble retaining my uploads and instead of addressing it, I received auto generated notices that I failed to complete the request.Sandy would have to search from her end and upload it again. So much for their high end tech. She assured me everything was moving along and I would soon have approval. On 3/23 we had a few email exchanges gathering info to consolidate debt and initial funds I would receive. Next morning 3/24, I wake up to an Adverse Action notice reading ‘Unacceptable Collateral’. Mind you, my home is owned outright, no mortgages, no liens, appraised at market value. I am beyond confused! I call Sandy and leave a voicemail with my concerns. Two hours later I call again. I email her. Afternoon, I call again, email again. Nothing.
Sandy ghosted me.
I made rounds of calls to Drew, who was unaware of the reason but would contact underwriting. ‘They never got back to him. Then Andrew at the local branch who, after some digging and calls, was finally able to tell me I was denied due to insufficient HOA master insurance coverage. I submitted the policy declaration weeks ago. Why not address it then? It sure would have saved time and given me the opportunity to apply elsewhere. I immediately contacted the insurance provider who assured me this was false information. He was even contacted by Sandy over a week ago to clarify a policy question, which he did. He was just as confused as I was and offered to provide whatever else they needed.
With the abrupt cease of communication, ambiguous explanations, and finally be told this application is closed, I feel someone seriously dropped the ball and doesn’t want to come clean. It makes absolutely no sense that no one is available to have a clear conversation with me about this. I’m expected to just move on. Terrible. I’m not done. This is highly unfathomable behavior. I’m closing all of my accounts before the Union/US Bank transition is finalized.
Reviewed March 16, 2023
I opened a home equity loan, and they asked if I wanted to sign up for a bank account to have easy access to it. I declined. I tried later to create an online account to access the home equity account for purposes of payment. The website would not allow me to do so. I called to acquire my loan number and they refused to provide it despite me providing identifying information. I was able to get the loan number via a CFBP complaint. Which is funny, because they are willing to tell the CFPB my loan number, but not me. Based on my experiences, I recommend not banking with them. Or, if you do bank with them, make a complaint to the CFPB. Just be prepared for US Bank not to accept any wrongdoing.
Reviewed March 14, 2023
Oh, the arrogance of this bank!! What recently happened to me has to be against the law. I could list several examples of why I am dissatisfied with this bank, but this is the most recent example of the greediness of their Private Banking department. Given the closure of regional banks SVB and Signature and the uncertainty of another regional bank where I have two seven-figure CDs I wanted to move my money to a larger bank. I entered my local US Bank branch to open a simple checking account. A client relationship consultant IV helped me by the name of Wes **. After taking my information, he advised me that due to my deposit amount, I would have to deal with the Private Banking department, and they would be calling me shortly.
I received a call from Theresa **, from Private Banking; she informed me she could open the account if I agreed to pay an annual service fee of $15,000.00!! When she asked if I was okay with the proposed service fee, I replied absolutely not and ended our conversation. The next and last time I walk into a US Bank branch will be to close my last remaining checking account!!
Reviewed March 13, 2023
Customer Service always has a minimum of 1-2 Hours of wait. Their customer service representatives are unknowledgeable and do not know how to solve issues. Long story short, I use a personal card for business purchases. They notified me that I need to show proof that the bank account I am using to pay off my credit card belongs to me. I faxed over my business bank account information to prove to them that it is my funds paying off business expenses. Two weeks later, they froze my account and I called their customer service and after waiting for a representative for 1.5 hours, they said I need to refax my documents and wait. I have never had any issues with BOA, Chase, etc... U.S. Bank is probably one of the worst banks I had to deal with. (The only reason why I have to utilize them is because they are partnered with the airline I consistently use to travel overseas). Otherwise, I would cancel all my cards and use another bank.
Reviewed Jan. 17, 2023
Pros: They approved me for my 1st credit card when I was a student but Wells Fargo declined me. They gave me free checks for my checking account. I appreciate their willingness to help students who need to build their own credits.
Cons: Bad website since 2022. It takes much longer for the website to load every time I log into my account. When it's loading or buffering, the flickering grey waves drive you dizzy, if not crazy. It sometimes acts up, like today it failed to load info again and again and kept telling me there's a system error. Last year I got a credit card with a bonus. Before the deadline, I called them at least 5 times checking if I have met the spending thresh hold. They said yes. After the deadline, I called them again asking when I would get my bonus. This time they said I did not meet the spending threshold and so there's nothing they can do. So I was just played by them like that. My friend also experienced some trouble with them and she has cancelled her accounts. I don't want to but I will have to. Can't stand their lack of integrity and can't stand their worst online banking tech.
Reviewed Nov. 25, 2022
So my account has been on hold for 2 months. I sent in all the information that they needed. Seems to still doesn't work for some reason. They tell me to go to the website login and send in the information through the website. I can't do that because the account is locked and it won't let me log in which doesn't make any sense. I've been going through the same cycle for too much. I can't take it anymore like I got I got bills to pay. I got medicine I have to take for depression. I can't do nothing because my account is locked. I feel like customer service is no help. It needs to get better. That's what I feel. It needs to get better because I feel like customer service isn't doing a good job of getting to know their customer like they should. I shouldn't have to go through all this trouble just to get my account reactivated and to get my money. Something needs to be fixed.
Reviewed Sept. 5, 2022
The USA banks do not offer trading or cashing in of gold coins, silver coins or ingots at all. They do not offer sales of gold and silver coins or ingots. That is what a bank is supposed to do. They do not offer solid numismatic investments at their bank locations, and with today's technology they can easily give spot prices and follow the markets. They could have a separate bank location for numismatics. They also do not have solid paper currency trading with old currency or different sorts of currency that is rare or otherwise a marketable investment. The banks give low interest rates on savings accounts and CDs, and some take out punitive for not keeping a balance or for mailing statements.
Reviewed Aug. 26, 2022
We've been with U.S. Bank for at least 12 years now and we love it. US BANK helped me with my first account after I turned 18 and got me through school. The Bankers are wonderful and have given me all sorts of insight, from how to invest to spending on a daily basis. Keep up the good work!
Reviewed July 27, 2022
Charging me for a fee because a bank that I closed an account with about a week and a half before payment was due tries to send a payment? What the hell? Of course the bank is closed and it is not my fault and my payment was made with my new bank on time! U.S. Bank was like, it's my fault that the bank tried to send a payment that wasn't valid? Customer service suck and they suck! The End!
Reviewed July 18, 2022
My Roth IRA was transferred to them by another institution. It has a couple of CDs in it. I get a letter stating they want to charge me $30 a year to be the custodian of my Roth IRA, and “helpfully” offer to deduct the money from my account. Not only do they want $30 a year for doing basically nothing, but dealing with them so as to withdraw the proceeds so as to deposit them with another institution (that doesn’t charge this ridiculous fee) is like undergoing a tooth extraction. Do yourself a favor and avoid these crooks.
Reviewed July 16, 2022
The U.S. Bank app doesn't work sometimes. When I called about one of the issues, a customer service person said to just uninstall and reinstall it. Knowing that customer service departments can give messaging as directed by the corporate office, I wonder if the corporate office knows it has problems and doesn't have any intention to make it better and expects its customers to run hobbled, if you will.
Also, I learned that the corporate office tells customer service to not tell customers that a card will close. Thus, a different customer service person falsely told me that my debit card would always work after I asked if it would. That means that when it didn't, I faced a serious problem because the nearest U.S. Bank branch is more than an hour from where I live. If there wasn't a Maverik close enough to where I live so I could fuel my car to travel to a branch, I wouldn’t been able to have made any purchases during a long weekend.
Reviewed June 24, 2022
RUN from US Bank! We have had the worst experience ever. The first quote for our auto loan changed when they told us they forgot some "fees". The quote increased by $75/month! Then we said we would put money down to decrease the monthly payment. Then the day before closing they called and said we had to bring them a cashier's check. My husband took off work to get them a cashier's check then the next morning they EMAILED saying they had to delay closing because WE didn't get the check there in enough time and it had to go back to underwriting.
Signed paperwork for auto loan March 21, today it is June 24 and we still do not have the correct title to license our car. The first one came 6 weeks after we closed and they had my husband's name wrong. For some reason they can't seem to figure out how to fix it and get us a corrected title so he can license his truck. Their communication is HORRIBLE!! TERRIBLE customer service. We will NEVER do business with US Bank ever again!
Reviewed June 23, 2022
PLEASE READ: I learned today that I am the victim of identity theft that leads back to of an account opened by Kiara ** in October 2019. A suspicious address in Texas appeared on my credit card and Experian tied it back to this card. This address was used to file an official tax return and my entire identity was compromised. After months of back and forth I learned that US Bank Fraud department is there to protect the institution not the customer. Today, they admitted to actually seeing that the address was tied to this credit card. For all the wasted hours I spent over the past few months being transferred to different departments not once did they say they admit it was part of my profile.
US bank is very cautious as to what information they will provide me and it is very apparent that they are aware of a security breach that occurred. Please contact me if you recognize the name Kiara ** who at the time was part of the US bank Branch located at 936 Harlem Ave, Glenview Il, 60025 or if you feel you are a victim of identity theft that may have resulted from an encounter with this person or branch after August 2019.
US Bank Company Information
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