2.5 stars across
38 reviews
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Terrible Customer Service
This review is for: US Bank
I've been banking at US Bank for a few years, but will be transferring banks immediately. I've tried enrolling in the same program three times including online, via phone, and even walking into a local branch. Apparently, none of the people I talked to felt like it was important to file the paperwork, so after three months I'm still not enrolled.
I also had a credit card that I missed a $7 payment because of their unclear payment dates and they went crazy. I received no less than 20 phone calls in a matter of 2 days and when I did talk to them, they were extremely rude and refused to raise my credit limit to its previous amount.
These people are rude, unintelligent, and condescending. Don't do business with US Bank.
Posted by actsci -- Aug. 21, 2011
USBANK a crying shame!!!!
This review is for: US Bank
We banked with them for 2 years....with NO problems. My husband is a contractor and had a deposit from a client's check return NSF. As if that wasnt a pain having to deal with the current situation USBank FORCED CLOSED our account because of 1 returned deposit in 2 years. REALLY! we had thousands of dollars of money roll and into our account and with ONE returned deposit they close on us with NO warning whatsoever. They are BIG BIG BIG on doing the debits BEFORE the credits. They like to hold credits at random...no defined consistency and when you ask them...they reply that they can hold your deposits for up to 10 days upon their discretion without notification. CROOKS CROOKS CROOKS !!! ONE star because I HAVE to.
Posted by cretia.l.patterson -- Aug. 19, 2011
Worst Bank Ever
This review is for: US Bank
I would highly discourage anyone from joining US Bank. Over the past several years of being a customer, I've received the worst customer service and random fees for everything possible.
I got an overdraft account in case I spent too much money, so that I would not get a huge charge. They decided this year to start charging you to use this service, which they did not tell me - so surprise! new fees added. Negates the entire purpose of having an overdraft account.
Found out recently that they charge you a fee if you withdraw from your savings too many times. This was also a surprise they never told me about.
Each time I had to deal with customer service on the phone, they were extremely rude and refused to take off any fees. They often blamed the federal government for the fees, which is ludicrous.
I finally got fed up and switched to a credit union, which was the best decision ever. Unfortunately, I still have a Visa through US Bank. I called them to tell them my US Bank account was now closed, to please send me my bills and to no longer take the payments out of my checking account. Kept waiting for a bill, never got one. Went online to check, and SURPRISE, they tried to take the payment out of my closed account, it obviously didn't go through, and guess what? Another fee! Called customer service again, and once again, got a very rude lady who refused to refund me the fee, even though it was their mistake.
Everyone should just join a credit union and avoid these awful, money-hungry institutions.
Posted by eveangel100 -- Aug. 10, 2011
Left my girls stranded in a foreign country
This review is for: US Bank
The US Bank is proudly the worse bank that has ever existed on American soil. Not only did Richard K. Davis, Chairman, President and Chief Executive Officer of U.S. Bancorp pocket the entire payment of 6.6 million received from the Government intended for a bailout! In his paycheck of 6.7 million, Mr. Davis supports customer unfriendly policies that are intended to refuse customers access to their money. Example: I have two girls that are in a foreign country, after losing all means of payment they were in a circumstance that would require them to return to the US. In order for this to happen I would have to buy them plane tickets online and get them home! Well I did so and the airline called and said that the payment had been denied due to a limit that was set on my account by Mr. Davis policies; according to the Branch Manager this was to protect me! I asked the Branch Manager to raise the limit so that I could pay for the tickets and get my girls home! The branch manager said he could do this but it would take at least 24 hours, (another policy from Mr. Davis) well 30 hours later the limit was still not raised, my girls are still in a foreign country with no funds, I called US Bank again, explained to them that my daughters are stranded in a foreign country with no funds and cannot return to the US without, US Bank raising my daily spending limit. I was then told I would have to wait until Monday, two more days, and if I was lucky then it would be raised and then I could finally get the so needed tickets to get my girls home! Well Mr. Davis I sure hope that if you have children that you never have to go thru something like this, the helpless feeling of your most beloved in a foreign country with no money and means to feed or shelter themselves, not to mention no means of coming home, and are at the mercy of a bank to release your money so that you can do what every father wants to do, protect and love for your children! Mr. Davis your bank is the most customer unfriendly and your employees are an embarrassment to the working world. There is no compassion for their customers or their needs, and they are so fixed on your company policies that they put my children in danger and left them homeless in a foreign country.
Posted by mark.payne -- Aug. 7, 2011
US BANK WORST BANK EVER
This review is for: US Bank
US BANK IF THE WORST BANK I HAVE EVER SEEN! THEY HAVE ALL OF THESE MISCELLANOUS HIDDEN FEES THEY NEVER TELL YOU ABOUT. THE CUSTOMER SERVICE IS THE WORST. THEY HAVE NO CUSTOMER SERVICE AT ALL THEY ARE RUDE, INTERUPT YOU WHEN SPEAKING. I WILL NEVER GIVE THEN ANOTHER DOLLAR OF MY MONEY! AND I WILL BE CONTACTING THE BETTER BUSINESS. STEPHANIE ROBERTS IS A MANGER IN CUSTOMER CARE AND SURE NOT BE IN THAT POSITION AT ALL. P.O. BOX 64991 ST. PAUL MN 55164-9505
Posted by divaliciousjewellry -- Aug. 2, 2011
Mean, horrible, worthless
This review is for: US Bank
The employees are mean, lying, unfair and just outright horrible. They take your money, are inconsistant and the customer service is the worst imaginable. I have been treated rudely by numerous employees and they have screwed up my accounts more times than i can remember. do not ever bank here.
Posted by saesellers -- July 28, 2011
Switching Banks
This review is for: US Bank
I have used US bank for about 8 years. Until recently they have taken pretty good care of me. Lately, they are constantly calling, trying to get me to add different things to my account that I don't really want or need. Also, recently they have changed their fee structure on my accounts, so accounts that I have never paid any fees on for years are being hit with monthly fees.
The rates are better at online banks like Ally, so I will be switching as I am tired of dealing with US bank and their fees.
Posted by ndzeigler -- July 21, 2011
Absolutely terrible. Almost lost home b/c of their inconsistencies.
This review is for: US Bank
Absolutely terrible. I opened my account with US Bank a little bit over a month ago, and the employee helping me sign up did NOT mention that my first paycheck deposited in there would be sent to the fraud department for a week. After I realized that it hadn't posted into my account within a few days of depositing it, I called the 24 hour customer service line, my own branch, and the fraud department inquiring why my money was being held and when I would get it. I was given the run-around; some US Bank employees told me that it was weird my check went to the fraud dept., while others told me it was standard for first-time customers. The employees that said it was normal all gave me different dates as to when I would get my money. It went from 3 days, to 5, to 7... but I got it 11 days after depositing it. Within this time, I almost got EVICTED from my apartment because my check was being held, and my boyfriend had to sell his guitar to pay my half of the rent. We also are behind on bill payments and I had to borrow money from somebody else just to be able to afford food. Also, they charged me a late fee for my reserve credit line, but how am I supposed to pay it when they are HOLDING MY MONEY FOR NO REASON? Screw this bank, they have been
Posted by michele82989 -- July 16, 2011
Bad Banking
This review is for: US Bank
Anyone else sense the large amount of changes in employment at this bank. Seems like every time I go in the branch, which i try to minimize, I always get someone new. Very frustrating and very bad for service. Consistency with employees builds stronger relationships with customers.
Posted by ron -- July 14, 2011
The Worst
This review is for: US Bank
US bank stopped sending statements on a credit card, called and asked for payment. They added late fees. I paid the balance with late fees, requested the card discontinued. Again another phone call that I now owe for $49 renewel of the card and a $30 late fee on that. Requsting cancelled again. Nope, they blew it again. Still cannot get card cancelled or fees waived. The worst. They are a cash grab operation.
Posted by gerritlemmen2 -- July 12, 2011
TERRIBLE BANK
This review is for: US Bank
Do NOT bank with US bank. They have extremely inconsistent branch managers and lie to you. They told me they were going to refund overdraft charges that occured because THEIR online banking system miscalculated and they turned it into my fault and didnt refund me. Don't Bank with them!!
Posted by kk_484 -- July 5, 2011
Inconsistent and worthless
This review is for: US Bank
This bank is hands down the worst bank Ive ever used. They are inconsistent from one branch to the other, the employees are not knowledgeable or helpful and none of my friends have anything good to say about it. The hardest thing to do is to close the account, I have zero pending and I have cleared the balance. Now they keep giving me excuses as to why they have to wait another 24 hours etc. I dont recommend anyone do business here. Go to Chase!
Posted by rmhtxtwf -- June 16, 2011
Terrible bank, terrible customer service
This review is for: US Bank
I have an auto lease loan with US Bank and they have consistently been terrible. I've now been overbilled at the end of our lease term. They first claimed I would have a 'credit' against any further fees, now they say they have no record of debiting an additional payment from my account even through according to US Banks' OWN online account records I have overpaid by one month. I've talked to 3 different people, faxed them their own online banking records and still can't get this resolved. STAY AWAY from this bank!! It's worse than B of A!
Posted by consciousconsumer -- June 15, 2011
Rudest Staff I have ever dealt with!!
This review is for: US Bank
The management staff is unhelpful and rude. When talking to their manager she thought we lost connection and started bad mouthing me to her employer...when i confronted her she denied everything. enough said! there is so many bad things to say about them!! dont give them your money! they will take it little by little from you!!
Posted by lin_glick -- June 14, 2011
Condsending
This review is for: US Bank
I had an auto loan with this bank, I have paid off the loan faster than expected. The last bill they sent me was for a little over $199.00 but when I went to pay the final payment I was writhing the check and thought I'll ask if this is the pay off amount and she said no it was $211.00 now can you tell me why that wasn't on the bill? I mean can someone please tell me why when the amount is so small it wouldn't have been on the bill in the first place. They would have sent another bill for twelve dollars this is unbelivable to me.
And the teller wanted to make up some excuses to appease me that was insulting.
Posted by noureson -- May 29, 2011
Denied Access to my own Money!
This review is for: US Bank
I have $ 27,0000.00 dollars in my account from the recent sale of my house. US Bank will not allow me to use my debit card to purchase plane tickets for my family for a total $ 2,000.00. I would think it would be considered criminal activity if I can not access my own money.
Posted by dlgdmg2to8 -- May 27, 2011
us bank
This review is for: US Bank
This bank sucks! that about it...
creative about posting debits before credits. Stay away from this bank or you will be sorry.
Posted by adjusterkelly -- May 27, 2011
US Bank HORRIBLE
This review is for: US Bank
Even employees of one of the stores represented by US Bank says they're the WORST!!!! I've spoken with victims of US Bank who hold store credit cards and they have been disgusted with the customer service from US Bank. When a person moves and notifies the bank, they're supposed to correct the new mailing address but US Bank can't even get that right even after being notified on 3 different occasions!
Posted by FiestyKittyRicci -- May 25, 2011
Terrible customer service unwilling to help
This review is for: US Bank
I've actually been with U.S. Bank for the better part of the last decade. I haven't had too many issues with them before, but my recent dealing with them has me now looking for a new bank. I have both my credit card and checking account with them. I had noticed that when I sent a credit card payment in, over a week & a half later, the check still hadn't been withdrawn my account. So I called their customer service the day before my payment was due to double check whether they had received it. They said no, and figuring it was lost in the mail, I had them put a stop payment on that check and had them transfer the funds electronically from my checking account. I figured everything was fine and then a month later, I checked my online statement and they had just deposited this check! I called customer service and it turned out they put the wrong check number in for the stop payment (if they want to deny it was their fault, then we can let the call logs settle that. They also claimed I should've received a notice confirming the stop payment, I did not receive it until it was too late). So, since this payment now counted towards the current month's payment, I asked they put a stop payment on the check I just mailed to them (and confirmed they hadn't already received it). Then, the next day, they deposited that check! So now I've made 3 payments for 2 months worth of credit card payments. So I called customer service again to which they wouldn't even as much as offer any sort of help. Their explanation (and this is to quote the manager that got on the phone, not the service rep) - "Our stop payments are not guaranteed". All they needed to do was either "refund" one of those payments and re-apply that towards the credit card balance or let me transfer money from my credit card back to my checking account. They said there was nothing they could do after I explained to them that their screw-up was now going to cost me to bounce checks (including my mortgage). After going back online to check my options, there it was - an option to transfer money from the credit card to checking account. How did both a customer service rep and manager not even think of doing this?! Absolutely terrible customer service that left me with the impression that they won't do anything at all to not only help their customers but fix THEIR screw-ups.
Posted by kcstarcomedycentral -- May 13, 2011
Crooks . . .
This review is for: US Bank
This bank does creative bookkeeping -- posting debits before credits which cause multiple overdraft fees.
I had an account with them for a year, and after quite a few overdrafts due to their "creative" bookkeeping, I moved to another bank.
I have never had an overdraft at B of A because they post the credits first, which I believe is the law.
Stay away from this bank!! You'll be sorry.
Posted by tannerban1 -- May 5, 2011
Over draft fees
This review is for: US Bank
I have had this account for almost a year and have been pretty happy with the service. The bank gives people with not excellent credit bank accounts which is really great, because so many people have not so good credit now. I had a account with another bank and lost my job and could not pay for something and it got close. So this is a new start for me. I love the debit cards you can get as well. I have the flexperks which gives you cash back on your purchases made with no pin. I love that! I really helps you save in the long run. There are also different checking and savings accounts that cater to your needs.
The things that i do not like about US bank are that they do not give you checks with your bank account, i know that checks are becoming null and void but, i still think that you should have the option to get free checks with the opening of a checking account, i still pay my rent with personal checks and am not comfortable enough to move to bill pay yet. Second and the main problem with US bank is the OVERDRAFT FEES, this is a HUGE ripeoff...... i don't know what to say other than, they charge you 37.50 for each item that is over drawn no matter how much the item is(i have been charged 37.50 for 2.50!) and after 7 days i believe, they start charging 8 dollars for every day you are overdrawn. I mean if you were overdrawn in the first place obviously you do not have extra money! This is ridiculous and they pay for everything! Which makes it even worse, so instead of paying say 200 dollars you owe like 700 with the fees. This is a rip off and they should not be allowed to do this to customers.
Posted by rolemodel2382 -- Feb. 22, 2010
They Really Do Know Your Name!
This review is for: US Bank
This is a bank that has branches everywhere imaginable. I do my banking in a grocery store where they have an office. It is convenient, secure, and most of all, they call out my name as I approach the teller's desk to say hello. I have never before banked with people who are so friendly, helpful, and focused on the customer.
They walked me through all the different options available for setting up checking and saving accounts, helped me transfer a balance, and set up free auto-bill payments. I was given all the documents and information necessary to establish a new account in one simple 10-minute sitting. They even tailored my account so that I had access to what I needed online, with paper support for documentation I did not want to receive electronically. They went out of their way to make my experience enjoyable and easy.
There is something to be said for the trust that grows when bank employees get to know you on a first-name basis. I know that they value my business, that they will expedite my transactions, and work hard to fashion the best possible experience for me. I have become a loyal and very appreciative customer!
Posted by exploringlife -- Feb. 22, 2010
Too many fees
This review is for: US Bank
I've had a savings account at US Bank for about ten years. I initially chose this bank because of its convenient location. I don't drive, so location is very important to me.
Several years ago, for about two years, I also had a US Bank checking account. Then the bank chose to raise their checking-account fees substantially, and to start charging for services that had once been free. I didn't want to pay their increased fees. I went to the bank to close my checking account.
The representative I spoke with was rude. She was argumentative and condescending in her attempts to get me to keep my account open. She tried for several minutes to get me to change my mind, and she didn't smile even once. It was like she was trying to strong-arm me into staying. I just kept telling her I wanted to close the account, and finally she did her job. She didn't smile at me once the entire time, even before she knew why I was there.
Most of the tellers are very good. Occasionally, not enough employees are available and a bit of a line forms. Once, I had to wait so long that my account got credited with $5 as an apology. That was nice.
I've often been tempted to switch to a different bank that has more reasonable fees, but it's just easiest to stick with US Bank. However, I don't really recommend this bank to anyone else. I feel that you can do better by doing business with a bank that charges fewer fees.
Posted by fifthmorning -- Nov. 4, 2009
A reliable bank with great customer service.
This review is for: US Bank
I’ve had a checking account with US bank for a little over two years now and I am a very satisfied customer. I was very unhappy with my previous bank because the monthly fees just to bank with them were getting so out of hand. A coworker suggested I look into getting a checking account at US bank where she had an account when I explained the problems that I was having with my bank, and the rest is history. I love the convenience of online banking and the fact that I can get free checks. The convenience of having several locations near my home was another factor in my decision to bank with US. I did have one issue with this bank when I had an overdraft fee that shouldn’t have occurred. I immediately took my bank statement into the bank and as soon as I pointed out the issue to the bank manager he took the time to remove the charges from my account personally. The customer service at US bank can’t be beat. Everyone is so friendly and helpful. And if I check my recent transactions, they post on my account almost immediately. So I never have to wonder what my balance is. If you’re looking for a reliable bank without any hassle US bank is the bank for you.
Posted by shelbichsel -- Oct. 25, 2009
Great bank
This review is for: US Bank
I have been banking with us bank for a short while now but it has been one of the best banks i heave dealt with.
If there is a mistake on your account they will fix it(when i opened the account me and my girlfriend was suppose to get harley-davidson debit cards and free checks for opening the account, two weeks went by and we never got them,we spoke to a manager and the items were never ordered, we ended up getting them express delivered and we didn't get charge for the delivery or the cards).
If i make a minor mistake they will work with me on correcting the issue(i went over my account balance by seven cents and got charged 35.00 for a overlimit fee, but they told me that since it wasn't a deliberate overcharge they would take half the overcharge fee off of the account)
I chose us bank because they have a good track record and they are willing to help people.
If you want a good bank with good customer service then i suggest you go with us bank.
Posted by rednekwizard -- Aug. 24, 2009
Welcomed
This review is for: US Bank
I just recently graduated high school and moved to the Seattle area to start college. I joined the US Bank about 3 months ago and I am satisfied with the service I have received. The representative the aided me signed me up for the package that would suit me best, asking me all the details of what I would need and want. Also the first time I went inside to take out some cash the representative noticed I didn't have a credit card and he hooked me up. So I received my first credit card and now can start building my credit. The best thing about this bank is definitely the friendly atmosphere and customer service. Everyone walks inside and is greeted by pretty much all the staff. I have nothing negative to say about the bank. I would say everyone who likes to smile and have a casual conversation while getting an errand done should open an account at this bank.
Posted by elsporte -- Aug. 14, 2009
Free Checking
This review is for: US Bank
I have had this bank account for 3 years. I originally chose this bank because I was planning on moving and needed a bank with many locations all over the US. I was mistaken in my assumption that US Bank has locations all over the US. In reality, there are locations in roughly half of the 50 United States. This proved to be a huge issue and the main reason that I no longer use the account. I went on vacation to Florida and overdrew my bank account unknowingly. That is a $39.50 charge for each transaction that overdraws the account, and with each additional day the account is overdrawn, they also charge $8. I could have easily reconciled my bank account by depositing a check, however, US Bank does not have any banking locations in Florida. The best solution the customer service representative had was for me to overnight the check to their offices in Philadelphia. They would not reduce the charges on my account even after I spoke to 3 different customer service representatives, an associate at my home banking center, and the manager of my home banking center.
When I opened the account, I was not yet 18 and had my mother co-sign on the account. She does not have credit, so they denied my application for Overdraft Protection.
The Online Banking is difficult to use. I frequently experience error messages and maintenance messages when I try to sign in. It is especially irritating when I need to transfer funds and am unable to, leaving me without money for unknown periods of time.
There has been nothing good about having this bank account. I would not recommend opening an account with US Bank to anyone. They are a terrible, greedy company.
Posted by NatalieM -- Aug. 12, 2009
U.S. Bank Free Checking
This review is for: Free Checking
I opened up a free checking account with U.S. Bank a year and a half ago as a new employee. They required it for direct deposit to go into. I have since stopped working at the bank but I kept my checking account there. Their internet bill pay system has a very intuitive feel to it. It is very simple to use and my bills always get paid on time. It is one of my favorite features of the free checking account. I have never had any problems with my account or the bank. If I have any questions I just call the 800 number and they always have a prompt answer for me. I have went to several different branches and everyone is courteous. Sometimes the bank is understaffed so sometimes I have had to wait for a short time. The only thing is the account doesn't gain very much interest. It is best to only put small amounts of money into this account and put larger amounts into a money market account or a cd. Overall I would say it is a very sound and secure bank to do business with. It is a very conservative bank. I would recommend for anyone to open a free checking account with U.S. Bank.
Posted by aimeesillygirl -- Aug. 2, 2009
US Bank
This review is for: Free Checking
I started this account with my bank after receiving a car loan through them several years ago. Over the years, the bank has changed hands twice and is now US Bank. I have the free checking and, overall, I’ve had a positive experience with this bank.
What I like best about US Bank is the customer service. After my check book was stolen, the bank worked quickly to open a new account for me and did not hold me liable for attempts to withdraw money from the compromised account. Another time, an unauthorized auto-renewal put my account in the negative without me knowing, and that resulted in a few hundred dollars in bank fees in less than a week. The company that made the charges reversed them, but would not cover the bank fees. The bank reversed its fees, putting my account back in the black.
One thing I do not like is the high pressure to sell you extra products like lines of credit and overdraft protection. I am offered these services almost every time I do business at the bank, but the tellers are polite in their attempts.
Negatives aside, I would highly recommend US Bank’s Free Checking account. It’s easy, few requirements and the customer service is unparalleled.
Posted by dynerolee -- Aug. 2, 2009
Great Account
This review is for: Free Checking
I have had a joint checking account with my husband at US Bank for almost 3 years and it has been great. We chose US Bank because our primary bank is a credit union in Tennessee and we needed a local bank in Missouri. US bank was walking distance from our house and the customer service reps were very friendly and helpful, and even offered free checks when it wasn't part of the promotion.
We eventually got our home mortgage through US bank and I love that my mortgage can be paid and controlled through US Bank's online banking. I can also pay all of my bills online, some have electronic agreements with the bank so they are paid the same day they are submitted.
The one thing we were a little disapointed with is that our Visa check cards were supposed to receive cash back on all purchases and that changed shortly after receiving them so now we can only get cash back at certain places (none of which we frequent). Now we've earned some cash back but not enough to receive it and we won't ever get enough to use it.
The tellers at all of the branches I have been to have been excellent and very helpful. They work quickly and efficently and I love that my branch has a coin counting machine that my son can use to change out his coins for paper money.
The free checking account at US Bank is definately worth getting if you are shopping around for a new checking account.
Posted by sara.r.palm -- Aug. 2, 2009
Goal Savings is a good way to save up money.
This review is for: Goal Savings
I have had my Goal Savings account for a few years now. The best thing about this account is it's connected to my checking account and takes out automatic withdrawls once a month in the amount of $25. It would be a great way of saving money, but with the economy the way it is, I always end up transfering the money back into my checking account and using it. So I have not saved any money with it, which is the purpose of this account. The worst thing about it is the interest rate is a bit lower then my Kemba bank account too so I am more inclined to put my savings in Kemba instead. Signing up for the account was easy. Other then that I haven't had to deal with customer service much, but they were always pleasant.
Overall, I would say this is a good option for someone with enough money and the serious desire to save some money for whatever reason.
Posted by buckeygirl -- July 16, 2009
My favorite Bank
This review is for: Free Checking
Us Bank has been one of the best banks I had for a long time. I've had this checking from US Bank for 3 years and I had no problems with it than the other banks I've been with. The service was great and a deposit fee in order to get the account was only $50 and no more. I choose this bank because it was very convencient where I lived. I loved the fraud protection. When I went on school shopping and I spent certain amount of money in one day they automatically stopped my card from purchasing anything until I called to say it was just me. It makes me feel better that my money is secured and being watched by professionals. I remember there was a balance on my card that didn't know about and they took so much money out that they gave it back when I told them I had no idea because I was not told of the situation. It was really weird because I didn't know anything about it.
Posted by nescusa -- July 8, 2009
5 star service?
This review is for: Free Checking
This checking account is pretty good, comparable to my other account with Wells Fargo - as long as you never overdraft. Some account start out with lower fees and they stair step, this account came with high overdraft fees from the start.
I was able to get free checks though. I just go to my local branch and ask the banker who opened the account for me and it's always free if I get the boring old ones.
Fees for most everything are pretty low, and there are ATM everywhere. The customer service over the phone is really good, but the branch people don't always know what they are talking about. One time they told me I could use any ATM with no charge - when I was charged five dollars they refunded the fee for me.
This is a good bank, especially if convenience is the most important thing.
Posted by billybillyrutrut -- July 1, 2009
How to get in Debt
This review is for: Student Checking Account
I really loved the convenience of the online banking, the bill pay, etc. That's about all I loved. On account of a mistake made in the checkbook register, I overdrew by a few cents, which then charged me a 24 dollar fee. Every day that you are in the hole with US Bank, you are charged 7 dollars. Because I didn't know I was in the hole I kept getting charged the 24 dollar fee every time I used my debit card plus 7 dollars a day. When I became unemployed I was unable to bring my account, which was now hundreds of dollars in the hole, to the positive. I continuously asked the bank to close the account so that it would quit charging the daily fees even after I quit using it so I could pay off the fees and I was told no numerous times. One day I got a call from the bank telling me they were turning my account over to creditors to collect the debt and the fees would no longer be charged. Thanks for closing it out months ago so I could make payments! Now I'm a student with things on my credit. This bank was extremely unwilling to be even a little flexible and work with me.
Posted by cajstone -- July 1, 2009
A Good Bank
This review is for: Free Checking
I have had this account since I was a graduate student. That is at least since 1997 when I started off with First Star bank. In general I like it enough to have stuck with them for over a decade. After the takeover in the late 90s or early this decade, initially I felt the service was bad, most likely it was just different from the previous management/policy. However I soon found this bank to be at the cutting edge of banking technology (online banking, etc.) and I began to like it better. One issue that I had with them was when they had a so-called mini statement you could print out from the ATM. They never informed the customer that it would cost them a $1 or $2. After I printed out it showed me that they had debited my account for that amount and I felt cheated. I am sure some people complained and they quickly rectified the problem. I have had occasional problems with ATMs not working but other than that they are pretty good. I am not much of a walk into the bank customer so my experience is all from online banking and I like it. If you are comfortable with this style of banking, I would strongly recommend this bank.
Posted by jatesan -- June 30, 2009
A Studetnt's Opinion
This review is for: Free Checking
I have had my free checking account with US Bank for a little over a year now. I chose this one because it is a simple account with no hidden charges/fees. My parents also use this bank, so when I went off to college for the first time, when I needed money, all they had to do was transfer some money to my account. (My dad was on the account with me.)
So far this is only the second bank I have dealt with, and I like the fact that if you are not near a computer to check your bank account online (which you can sign up to get – for free), you can call US Bank's free phone line and check up on your balance there instead. You can also “go green” and save paper by getting free online statements too!
As of now, I have not had any problems with US Bank at all. However, you will need to be careful of overdrawing your account, since there is no “overdraft protection” with this free checking account.
I would recommend this account to anyone who needs a “plain and simple” checking account that you can use for every day payments, without fees!
Posted by becka -- June 24, 2009
very good bank
This review is for: Free Checking
I have had this bank account since I was a senior in high school and now I am a senior in college. I choose this bank because it was in the same town as I was going to go to college in. This is a well known bank and has many locations in the United States plus some overseas. As a student, I need all the money I can get, and since this is free checking, there are no hidden fees. There also is no limit on the amount of times that you can use your debit card, whereas other banks have limits. If you do use your debt card at a different banks ATM they will reimburse for the fee of the other bank as long as you bring in the receipt. The best thing about this bank is that as soon as you swipe your bank card, the money is deducted right away. Also you get your first order of checks for free. There are many other types of services that are available also. However the downside is that there is no overdraft protection. And if you do get overdrawn, they send you a notice in the mail. Overall this is the bank that I do recommend this bank to all of my friends.
Posted by pbrewer -- June 24, 2009
easy checking
This review is for: Five Star Gold Checking
I opened this account in high school as alternative to getting another credit card and have kept it ever since. One of my favorite aspects is being able to view every transaction by using the website which virtually eliminates the need to balance your check book. Furthermore, there online contact center will typically respond to your questions within 24 hours. One downfall I've noticed though is that they do not offer free checks like some other banks or credit unions.You can also get small cashback bonuses directly added to your balance by using your check card as credit for transactions.
Posted by loris9183 -- June 3, 2009
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