U.S. Bank

I am tired of banks taking money, wrongfully, and pretending like they are doing you a favor.

I opened a College Checking account with them 3 years ago in order to handle financial aid, first year went fine, then they started tacking on hidden fees, and started overdrafting me for things I never even bought. They refuse to even talk to be about it, all I receive is some rehearsed script about "how I should know the rules of OverDrafts." But as you can tell, this isn't really about overdrafts...

They have started taking up being rude and bumptious to me, and anytime I go to see a teller, they scoff at me, literally.

I have been with US Bank for 3 years, and they are already treating me like an expandable, worthless person, with nothing to offer.
(Because we all love being belittled.)
So overall if you want a bank that charges you for having more money than they do, by all means go "deposit" the money. However there are plenty of charities that could ACTUALLY use the money if you have some to burn.

Documents for loan requirements are arduous, and senseless. If requirements needed were shown at beginning of loan process, I would had found another lender. I regret using US BANK.

So I want to deposit a $30 check and the branch is closed. I use the ATM, and it's rejected with some generic error message. Next, I go to the website to see if it can deposit this way, no option available. I call customer service and am told I need to download the mobile app first, in order for a deposit option to appear on the website. So I'm forced to use their app which I absolutely don't want on my phone, in case it gets stolen. However small the risk, I don't want it when it comes to my money.

I try to install the app. It won't take my VOIP number. I'm forced to use personal number instead. It finally works and I deposit the check, only no deposit option appears on their website. Over the course of three phone interactions, I was hung up on and lied to twice.

This bank has the worst customer service employees, which I could perhaps overlook, if I weren't being annoyed to test by their forcing things on me. The employees won't even connect to a manager, instead they just pass you around among themselves pretending to be managers.

DO NOT OPEN ANY KIND OF ACCOUT WITH US BANK, YOU'LL REGRET IT!
9-19-24 – I'm back to write in my US Bank Trauma Journal.
This problem has been an issue for a long time, I've reported it at least 8 times, but NOBODY CARES…this should be their motto - "NOBODY CARES AT US BANK"
When I call to try (usually very unsuccessfully) to get some kind of resolution, I often get this scenario:
US Bank's phone greeting asks (in a ladies recorded voice) for my account number, I type it in, then she ask for the last 4 of my social security number, I type it in. Then, a short pause, the recorded ladies voice says "this is not a valid account number". Then, again the recorded ladies voice asks for my account number, I type it in, then she ask for the last 4 of my social security number, I type it in. Then, a short pause, the recorded ladies voice says "this is not a valid account number". Then, again the recorded ladies voice asks for my account number, I type it in, then she ask for the last 4 of my social security number, I type it in. This goes on and on, if I press the 0 button on my phone, I hear nothing but… the recorded ladies voice asks for my account number, I type it in, then she ask for the last 4 of my social security number, I type it in.
I literally have to hang up and dial a different one of US Bank's inefficient phone numbers.
When I finally do get a person on the line and I explain this scenario to them, they could not care in the least, they never say "gee, this sounds like a problem we should fix, all they want to do is transfer me into the US Bank's Transfer Non-Merry Go Round. Terrible, terrible customer service, in every aspect that you can imagine.

Then use U.S. Bank. Their location in Brainerd, MN is useless as far as helping or being of any kind of assistance. When my debit card became worn to wear it was no longer readable, I requested a replacement card: that was 4 WEEKS AGO! Two days ago, I received the activation letter with instructions to activate my new card however, THERE WAS NO NEW CARD! After phoning U.S. Bank, I was simply told to "wait one more day to see if it shows up." After asking if this is their usual manner in sending out replacement cards, not one person seems to know the answer to this question. Not only that, they are too lazy to find out if this is the way the cards are sent: instead, they blame and blamed the United States Postal Service! This has already cost me $60.00 in wages, having to clock out of my job in order to be at an office during their hours. I work 6 days a week and I barely make minimum wage.
These people are useless. After being a loyal customer for almost a decade, I guess it's time to find another bank that really offers to HELP instead of using excuses and blaming others. Pathetic.

I have never written a bad review or complaint in my life. I feel bad for writing this review because I know it doesn't speak for all of the customer service reps but I have called a couple times for different issues and am floored by how horribly they have done at helping me. On a couple occasions it took forever to get off hold, which I was kind of irritated about but I understand there can only be so many people to answer phone calls and these calls sometimes take forever. However, for one, the call quality is so horrible, I can rarely understand what they're saying because it is so muffled. Just today, I called because my card(focus card) declined 3 times, even though I had money in my account, and I had just used it like 3 hours prior. Also, I The lady answered and asked what she could help with. She was nice, but she clearly did not understand my issue. She asked me for my card info and my name, then I told her "My card declined at target and I have money in my account, I just used it earlier, and I got 3 alerts saying I spent 0 dollars at target and my balance was 0." Im not sure if I'm just dumb and that happens usually, it's never happened to me. But she proceeds to ignore my information and starts reading off my transactions, and I said yes to everything because those were my earlier transactions, then all she told me was that she thinks I should get a replacement card, then when I get it to call them back. Like what? And she didn't say anything about my card declining at target, I just wanted an explanation why it was not working, not just her to tell me to get a new card. Mind you I just got this new card yesterday. So I was clearly irritated about that. Then she said something I couldn't understand because of the call quality, and she said okay is there anything else I can help you with, I said no thanks bye. She ignored every question I asked about the declined transaction at target. I am just so confused how she literally did not help me at all.

Customers for 20 years. We've had mortgages, auto loans, home equity loans. All paid timely and most paid off early. Recently went through hell wanting to obtain a simple 2nd mortgage to consolidate some bills. For 2 months we uploaded documents they lost them. Confused our loan with another customer. We re-uploaded. They told us we were approved and just needed to add them to our home insurance policies. Like most people in MO we have flood insurance. We had them added. After months of chaos and being told everything was done and they were setting up the paperwork they came back and said they couldn't accept of flood insurance. Why they didn't check that first is stupidly. I would not use this company unless you want to go through hell. If you are buying a home you will probably not get the loan until after the contract expires and someone else has already bought it. Moving all our accounts to a smaller bank that I can do business with instead of emails from a person in NY dealing with underwriters that don't qualify to sell user socks

They closed my account because of a wire transfer, I was sending money to another bank and they stopped the wire transfer. Because it was my first transfer and I was making it a business investment in to Real estate but the fraud department would not even listen to what I had to say. Even though I had routing number and account number. I had something come up on a text message while talking to them on the phone as I was reading out loud and the fraud department Jenny totally missed understood what I was saying as i was reading a text message at the same time. She didn't know I had lost my father and my family had text me during this time when we were talking. Considering I had something going on and multitasking at the same time. So they close my account. And told me I would never bank with US bank again. Apparently they think everything is a scam and fraud even though money is real and legit. Especially the money coming out of my account to go to another bank was legit. Terrible customer service departments especially the fraud department. Then I was told it would be 3 to 5 weeks for a cash your check to come to me when I need to pay my rent today. They have totally inconvenienced my life. So now I have to make arrangements with all my bills thank you very much US Bank fraud department. Thank you for interfering in a business transaction.

Usbank customer service is suck!
I am called for online log in but he's very ruud
Racist and not polite. I guess to closed account with them today.
Thank you for your businesss is $#*! hole

Dealing with US Bank is an incredibly frustrating experience! Something as simple as redeeming credit card rewards points has turned out to take over 4 separate calls throughout two separate days - and I am still not able to redeem them! After the bank sent en email detailing my available points and describing the ways to redeem them, I eventually discovered that they are somehow experiencing system issues and cannot redeem them. So, I would question why a company wouldn't have the foresight to suppress the communication if they were aware that they couldn't fulfill their end of the process?

This is just a minor issue and doesn't really even encompass the other one that I am experience trying to establish an online account that encompasses the other US Bank credit card that I currently use. Trust me, it has been an even worse experience with just trying to open an account and/or link into my current one. That hasn't even resolved either.

So, feel free to bank here or utilize this company for your credit card needs; however, just be prepared to encounter numerous frustrations when trying to accomplish the simplest of tasks.

Recently my granddaughter and her father opened a checking account at our local US Bank branch. They both presented their drivers license and gave their current information. Their mailing address no longer matches their license address as they just moved into the area. The clerk opened the account and took their deposit. 3 days later their account was froze with no notice. Upon contacting the branch they were told it was frozen because their license did not match their mailing address so the bank was holding their money until they had proof of the new address. They were also told they could not withdraw any of their money.
1) Why did the bank open the account if there was a problem with the address as presented
2) Why did they take their money
3) Why were they not notified if there was an issue
4) Why are they getting the royal runaround
5) Is the bank going to pay past due fees because they won't give them their money. I think not.

If there was a problem then they should have been unable to open the account in the 1st place. This bank is certainly not a customer friendly bank as no one seems receptive to assisting them to get this resolved. All they will say is the funds are froze for several days until the corporate office does whatever they do. I have been a US bank customer for several years but will close all my accounts and move them to a different bank. I will not recommend this bank to anyone.

I applied for a checking account with a sign up bonus, on the last day of the promotion, but I was asked to submit an additional documentation. I did it on the same day, and the status of the account was pending. On the next day my account was opened. I called their phone support to verify if I qualify for the bonus, and after few transfers, this was confirmed from a technical support specialist. So I proceeded with the funding of the account, in order to meet the requirements for the bonus. But after they got my money, they started to making up stupid excuses to not pay the bonus. I called support more than 20 times already, and they are lying shamelessly. They are referring to the day account was officially opened, and keep refusing to listen the call with their technical support specialist, no matter that every time I call them, at the beginning of the call it says that it'll be recorded for quality services. This isn't a bank you want to use. This is SCAM. They were very close to go under, and that's why they were offering all those promotions, but now are using every excuse to don't pay the money. Used my money to avoid bankruptcy FOR NOW, and then they scammed me. They intentionally lied on the day the account was opened, so I can start funding it, and when they got my money, they changed their story completely. SCAM. Stay away from this bank.

Wish I could give -100 stars.
They won't give me my sign up bonus saying I had opened an account in the past, when clearly that account had never been really opened.

They had ne wait over two weeks only to still not access my funds due to an address change had me wait said they would call me never did and left me in a bad situation situation

They will overdraft the hell out of you then refuse to refund it I Have used them for 5 years and By far the worst bank i have ever used. I only used them for my job but never again.

Be aware of the scam! They're not honest about the bonus offers for opening online checking account, it's just a trap. Once you reach the point to add money to activate the online account, it wouldn't work for me and per the representative recommendation went to a close branch to add money to the account. Instead of crediting the online account, they created a new account, leaving me with 2 accounts that I did not need. The promised bonus per their winter offer (300$) was never added to the online created checking account. And when I inquired they said they can't do anything as the redeem code (even though I used it when creating the account) is not valid anymore. The customer service did not offer any solution for remediation and just said 'we can't do anything about it'. Make sure to stay away or if already created the checking account with the redeem code for the bonus to inquire promptly if you don't see it added to your account. The 1 star is because customer service failed to provide any help and did not understand the situation. Who would want a helpless bank anyways?

I tried to set up a Business Checking Account with US Bank. Did the whole online application thing including funding the new account with my credit card. The system confirmed that my application had been received but then I two days later I received a text message saying that I needed to call a number to authenticate, so I called and waited on hold for over a half hour. Hung up and tried again an hour later, same thing. Couldn't call later because that office closed at 3:00 pm PST. Tried again the next day. Same thing. Called a different number in hopes that I might connect with someone who could route me to the right place. Waited 15 minutes for that one to connect and the rep did what she could, saying she would follow up the next day. No follow up. Just tried again and ran into the same problem. There is no online chat to help either. I finally called the main customer service number and waited to be connected to a rep who routed my call to another rep who told me I need to email some other office or go into a bank branch to resolve the issue. What the heck?!