U.S. Bancorp

Pros: Friendly tellers,free checking
Cons: Watch where your money goes

When I first moved to Pueblo I needed a bank so I could get direct deposit on my Social Surety check. I didn't really have time to shop around too much and US Bankcorp was really close to where I lived.

I didn't ask a lot of...

Pros: None, unless...nope, still none.
Cons: Actually I'd trust a "con" more than U.S. Bank

Pros: Good service, error-free banking
Cons: I have no real complaints

A byproduct of a good economy is the conglomeration of smaller corporations into larger ones. As revenues increase, companies look to expand and bring in even more revenue.

I started off with Central Bank in 1990. It was a smaller bank in...

Pros: Cash back debit card, negative balance repayment program and checking account advance
Cons: No stand alone branches, they use available balance when clearing items

U.S. Bank has been good to me. They opened an account for me when my former employer (a bank) where I had my account put me on ChexSystems for bogus reasons, I don’t even owe them any money! But I digress, U.S. Bank opened an account for me with no ...

Pros: Plenty of conveniently located ATMs without fees
Cons: Impossible to reach a real person without walking into a branch bank

If you really crave an impersonal, automated banking relationship, then you're the perfect customer for U.S. Bank. My husband and I ended up with a checking account at U.S. Bank by acquisition default.

In Omaha, we started with...

Pros: Branches inside stores open 7 days, online banking, no long waits to see a banker.
Cons: Locations only in Midwest and West so far.

I have only been with U.S. Bank for three months, but feel that I've experienced enough of their service to write a review. Before ending my long association with WaMu (previously Home Savings of America), I began researching various banks. I ...

Pros: None.
Cons: Horrendous customer service: failure to send promised forms to document fraudulent activity; uninformed CSRs.

Since August of this year, I have been at war with U.S. Bank over $1200 in fraudulent, unauthorized charges made in Europe to my daughter's Visa Buxx card (which has not left the United States this year). UPDATE: It has been 15 days since I have been ...

Pros: Fee-free banking, free visa atm/debit card, convenient online banking
Cons: Minimum balance for an interest-bearing checking account is too high for me

I have been with US Bank for almost 6 years now. Well, actually, when I opened my account in 1995, it was still Colorado National Bank, and US Bancorp bought it about a year(?) later and changed the name. I was 16 when I opened my account, so I had to...

Pros: Checking that Pays, Free Interest Checking, Online Banking
Cons: CUSTOMER SERVICE, cruelty

US Bank is a huge bank that is in most states. They "promise" small-bank service, but simply cannot deliver. Here I will try to review US Bank as a whole or a "hole," and not just on my unusual experience.

US Bank is all over. You shouldn't...

Pros: The least evil of the empire
Cons: Who's money am I spending?

I’ve been a US Bank customer for 7 years. I also was a customer of Bank of America and Wells Fargo. I think they are all evil, but so far US Bank is a little less evil than the others. The best feature (of course in my opinion), was the ability to get a...

Pros: They're everywhere. They've got an effective 'customer service' marketing campaign.
Cons: They're everywhere. And their customer service is limited to their marketing campaign.

I signed on for the full meal deal: Checking, Savings, Home Equity, Online Banking, and the rest.
I really wanted online banking. I went at it with vigor, setting up all my accounts and, along with them, automatic payments.
My second month...

Pros: Worldperks Check Card, friendly service, free checking & savings
Cons: Fewer locations than some banks

I am still a baby member of US Bank. I just switched over from TCF about 1-2 months ago now, but I couldn't take TCF. US Bank, thus far, has been a relief for me! I chose USB because they offer the Worldperks Check Card. Being an avid user of my check...

Pros: I like the clerks locally.
Cons: Must have A+++ to get ANY credit here.

In 1994, I bought a truck and financed it through a local bank. This bank was bought once, but the payments went to the same place. Then the loans were sold to US Bank. We had been banking there for years before it became US Bank, and had no reason to...

Pros: Free checking
Cons: Everything. They lie to you, and take money from you.

I first started with USBANK in 1997. It was my first credit card also. WHAT A JOKE!!!

At first it was good. Free checking, a credit card, and overdraft protection. Well then problems started. All of a sudden money was being charged on my Visa,...

Pros: none
Cons: high fees, poor service

When I was a teenager, I got my first checking account. That bank got bought by a different bank, who go bought by a different bank, etc etc etc. I ended up with a checking account owned by US Bank.

Some of the services that they offered...

Pros: ATM's everywhere you look and accounts easy to access online.
Cons: Their people don't seem to communicate to each other much, high fees.

The lure of easy access to free ATM's, and the fact my husband had banked there for years drew me in to opening 3 accounts with US Bank. One for paying bills, and two savings accounts; one for each of my two children.

The online link up...

Pros: Variety of services, convenient
Cons: Some services come with a price

Back in 1990, when I went to college in Portland, my cousins helped me settle in and helped me get a checking and savings account at U.S. Bank. In the four years that I was there, I didn't have any major problems.

I had a student checking...

Pros: None: IMO they're incompetent and arrogant
Cons: See above

For more information about what U.S. Bank did to us, other peoples' U.S. Bank horror stories, the truth about the "Five Star Guarantee", and information on and links for customer complaints, consumer abuse, scandals, fraud, embezzlement, lawsuits, and...

Pros: Good customer service, easy and convenient accounts.
Cons: Fewer ATM locations than I'd like

I've banked with several of the majors and a few of the minors. I of course have a horror story from Bank of America and Wells Fargo, but then, who doesn't? US Bank suits my needs just fine.

I hold a Certificate, a savings account and a...

Pros: None
Cons: Many

Last July, while paying my bills, I noticed a return to sender letter from a bank that loaned me monoey for a car four years before. This letter contained my payment to Metropolitan Federal Bank, located in Fargo, ND, for the month of July 1999. I...

Pros: Friendly...until they make a mistake
Cons: They robbed my daughter of part of her savings.

I have always impressed the value of money on my daughters, so when my eldest had saved over $300.00 I took her down to the local USbank nearby.

It was a memorable experience to watch her open up her first savings account. She was so proud...

Pros: They are everywhere
Cons: Increasingly restrictive and inefficient

Since US Bank bought out my old bank several years ago I have experienced a gross increase in restrictions to my accounting while the customer service has slipped.

I found my minimum balance raised by hundreds of dollars while the...

Pros: The bank can be found in supermarkets
Cons: Sometimes it hard to actually find a human being

My experience with US Bank has been mixed, mostly toward the negative end of the spectrum. The problems that I have encountered seem to be focused on two areas, the personnel at the local level and the 1-800 phone number.

Trying to find...

Pros: More than one branch in my area
Cons: High fees, poor customer service

I banked with US Bank for about 8 years. Why I stayed that long? Fear of moving to a new bank I guess. In that time the service I received grew poorer and poorer. Deposits took forever to post, even the Direct Deposits. Becuase of that, checks did not...

Pros: Its just down the street
Cons: Everything else about it.

My husband and I joined this bank 1 month ago, and it is terrible. We want to quit, but we CANT! They will not give us OUR money! We have had NOTHING but trouble with this bank, and we can get no answers from the workers.

When we first joined...

Pros: Options, availability, service
Cons: MY bank...

I'm not sure if I would recommend this bank and service or not. I happen to hate my bank. The service is terrible, and their service personnel are incompetent.

But...I do appreciate USBank. I love the online banking. Online Billpay is an...

Pros: customer service
Cons: high service charges

Today October 4, 2000 US bank announced a merger with Firstar Banks both based in Minnesota. I find it a bizarre decision being that one Grundhoffer brother runs Firstar and the other Grundhoffer brother(Jack)runs US Bank. Talk about conflict of...

Pros: Debit card with cashback option
Cons: Charges for Online bill payment, only 50 free checks

This is the first check card / Debit card that pays upto 1% of purchases made using the Debit card (using credit option. We don't get cash back, if we use PIN for purchases). I had used cashback credit cards like Visa and heard about Discover and...

Pros: lots of money to lend and they don't have a clue how to lend money!
Cons: about 30 epinions bash this bank up and down for various reasons!

I have been working in the mortgage industry for years. During this time I have been involved with numerous transactions involving U.S. Bank locations throughout Colorado. My impression? U.S. Bank has some of the best and a lot of the worst a bank has...

Pros: Secure Online banking, 24hr access
Cons: Low interest on savings, sporadic customer service

US Bank - My Story:

I have had an account with FirstBank (Now USbank) since 1989.

When I opened my account they gave me free checking and a debit card.

Then I moved to the Twin Cities from southern Minnesota in 1992, and...

Pros: Variety of banking options
Cons: Terrible service

It seems the trend as of late with banks is buy out the little guy. So when my old bank was bought out, my parents moved my account to US Bank. I was fairly happy with them, I did very little in the way of transactions. Still, at 14 with my stall...

Pros: Um... none.
Cons: Poor service, disrespectful employee's, false accusations, the list goes on to.. everything!

I got my first bank account with these guys several years ago. At first everything was great, they were good to me and provided kind customer service. I guess Management changed since then.

They have gone down hill considerably. If I was...

Pros: Great keychains
Cons: Customer service, bank policies

I guess it should come as a shock to me that US Bank has such a low rating here. However, I would be lying if I said that it did, for I worked for US Bank and know that our customer service and our bank policies were poor. Even I did not want to bank...

Pros: smooth transactions, availability, services
Cons: none

I have been with US Banks since they came to Idaho (actually I was with the bank they bought out), which has been roughly four years now. I have not had one error in that four year span. Not a bad record considering I have belonged to 3 other banks in...

Pros: Some friendly customer service reps.
Cons: fees for savings accounts, long hold times, too many handling mistakes

On April 3rd, I called 1-800-USBANKS and asked to open a savings account. A nice lady took my information and mailed the application to me.

On April 14th, I sent in the application along with a check for $1,000 as an opening deposit. (They...

Pros: Many offices open 7 days a week
Cons: WAY too many fees for my taste

Most of the money put in my USBank account was taken by USBank by way of $35 overdraft fees, $7 daily negative balance fees and unacceptable customer service. If you talk with a "banker" in person you are basically given the run around and they know ...

Pros: There is not one positive thing you can say about this outfit.
Cons: Most of the customer service and management, or lack thereof.

Avoid US Bank at all cost! The incompetence and arrogance of its employees and management is beyond my descriptive abilities. It is believed Arab terrorists avoid US Bank properties because of fear of being associated with this organization. (and I use ...

Pros: The fraud department is willing to work with the secret service.
Cons: Branch manager has no appreciation of our business.

We went to the Lake Forest, CA branch of US Bank to pull out some cash in order to deposit it into another account. The US Bank teller (his name is Chris Watson) handed us the cash, all in hundred dollar bills. Imagine my surprise when the Bank of ...

Pros: Things never change
Cons: Just about everything

My experiences with US Bank have generally been bad. Admittedly, I'm no super-hero of financial management. Where do I begin..... When I was 18 I got ahold of my savings card from my parent (not the best way to start this) and proceeded to spend my...

Pros: many locations, free checking, free online banking
Cons: steep overdraft charges, not very helpful

I started with US Bank last August when I began my 2nd year of college. I was thrilled with them at first... in fact, it was only within the past few months that they've begun to make my life a living hell. All banks have those dreaded overdraft ...

Pros: The tellers at the U.S. Bank are very nice.
Cons: What can I say, U.S. Bank is in the business of making money.

US Bank Gift Card Christmas of 2004 I bought a U.S. Bank Visa Gift card with a value of $50.00 for a niece that was in the hospital diagnosed with a rare bone cancer. The family had Christmas with her in her hospital room. We got her the typical ...

Pros: None that I can see.
Cons: I do not feel valued as a customer.

I get the whole thing that banks are in business to make money. My gripe is that I feel that US Bank likes to make that money off the people that do not have large balances. Any request that I have presented to a US Bank phone representative has ...

Pros: Customer service best I've ever seen
Cons: No banks in Fort Lauderdale

Picture this: You walk into your bank, and there on the wall is a sign which reads "If you have to stand in line more than five minutes, we'll give you a free $5 bill</I>." Yah.... right!!

Well, I banked at US Bank in...

Pros: Until this experience, I NEVER had a problem with this credit card company.
Cons: Something happened, this company simply doesn't care about their customers anymore!

I closed my credit card account, got my final balance due amount, and sent off my check (for the amount due) and a letter requesting to close my account immediately, but unfortunately $24.21 in charges came in before my final check and letter reached ...

Pros: Good service, plenty of ATM locations.
Cons: Nothing obvious comes to mind.

Not being the richest individual in the world, I am hardly an expert on banking. However, I think I have a qualified opinion on service, and I must say I have not had any complaints on US Bank's service over the years, and I feel they should be...

Pros: "Free" checking, online checking, "free" business accounts, etc.
Cons: Too many to list here. Chiefly, inept, uncaring staff and horrible customer support options.

Thanks to the completely inept account managers at my local US Bank, boxes of checks for both my personal and business accounts were sent to the wrong address, resulting in a three month long battle against fraudulent checks passed off under my name. As ...

Pros: None
Cons: Misleading information, lack of customer respect

Beware of U.S. Bank's mortgages. Before I applied for my mortgage there, I asked if they would have a problem with my house needing siding. I was quickly assured that it would not be a problem so I sent in my application with the $350 application fee,...

Pros: Friendly helpful service with lots of different accounts to choose from
Cons: none

We moved to Utah from the South and didn't know anything about any of the banks listed in the phone book. So, we did what any smart person would, we went to the first one we saw! Luckily, it was a US Bank.

We have nothing but good things to...

Pros: Big
Cons: Conservative, not good customer support

As a 10year or so user of USBank's visa credit card, never late with a payment, never less than full payment each and every month, I was disappointed on several occasions when I requested an increase in the limit of $5,000. "Cannot do that,"...

Pros: ATM locations are easy to find
Cons: Surcharges, Rude visits to face to face banking, no extra benefits

I will never understand why US Bank is as popular as it is. If you enjoy using the ATM, I guess they are located around every corner. However, to use US Bank as your primary checking account beware. I wrapped up so many surcharges and just normal...

Pros: On-Line Banking,Waived Service Charge,ATM Visa Card
Cons: Few ATM Machines

Teller/Online Banking/ATM/Check Card....

I've been a customer at USbank since October 1999. Overall, I am satisfied with the bank and the level of service that I have received.

Here are a few reasons why I like USBank:

...

Pros: Many branches
Cons: Unresponsive, sometimes incompetent service department.

US Bank is a very large bank with many branches in the Seattle area. I started with US Bank when I moved here because they had branches near where I work and where I live. The staff in the branches are usually quite helpful and courteous.

As...

Pros: It's everywhere
Cons: It's everywhere

O.k., so maybe it's "everywhere" is an exaggeration. US Bank is known for its presence in the Midwest and on the West coast. If you live in these areas, you've probably had the unpleasant experience of having your neighborhood or regional...

Pros: the online banking is fairly decent
Cons: please refer to my opinion above

U.S. Bank used to be friendly and helpful. Especially since they have been taken over or bought out by a larger corporation, their attitudes have changed. I'm not happy with much that they do.

In March of 1999, a check was stolen that was...

Pros: ATMs All Over the Place, UBank 24-hour Phone Banking
Cons: Monthly Fee, Large Overdraft Charge

I was grabbed by the large, colorful banner hanging on the downtown branch of USBank in Fort Collins. It said "free checks with new accounts." How did they know I was in need of such a service? Okay, so they didn't do it just for me, and I...

Pros: 800 number
Cons: Poor customer service, poor accountability

I've never tried harder to become a customer in all my life.

I was added to an existing account. Our relationship is becoming "joint." But I need a credit card where I bank because I tend to move cash around and that credit line is...

Pros: Only bank available on my campus
Cons: Thieves

I was forced to use US bank because they charge an arm and a leg for you to withdraw from their ATM if you are from another bank. Their ATMs were the only ones available on my college campus at the University of Washington.

I opened a...

Pros: NONE
Cons: there banks and ATM's are everywhere

I started banking with US Bank in my teenage years. It was close to where I worked and of course I picked it because that's where my parents banked.
When I bought my first car, US Bank was there to finance me for a five year loan. We are talking...

Pros: Lots of them around
Cons: Won't work with the customer

When I lived on the West Coast I used US Bank for my first checking account.

The garbage I went through was ridiculous. I couldn't access my a money for up to 10 days. Even when I had proof of having money in the account. I would write out...

Pros: Service you can't find at other banks
Cons: You must have an account with them before you wire funds.

Recently, we had a family emergency (my husband is from Mexico) and we had to send $5,000 to Mexico in a week to his mother. We only had an account with Washington Mutual, and though it is a good bank, they were unable to help us. We made some phone...

Pros: Great online banking
Cons: Service charge

My bank has changed hands three times in the past 5 years and we are now US Bank. I am happy with the service thus far. The reason we began using this bank was that it was a small hometown bank. Obviously all of that has changed but in the transition...

Pros: none
Cons: Bad customer service.

I had a car loan from USbank in 1999. USBank missapplied a check of mine for 751.47 instead of 251.47 This is Sortof understandable, and I though it was cleared the month after I found the error. So 10 months go buy, and I trade my car in at a local...

Pros: Works just like a real Credit Card.
Cons:

They don't notify you when they automatically deduct the annual fee charge of $35.

Having credit that wasn't so great, I opened U.S. Bank secured credit card a few years ago. I wanted to build up my credit, so I went into a bank, signed a form, gave them a $500 cashier's check and waited for my $500 secured credit card to come ...

Pros: Great if you love loosing money, and being lied too.
Cons: All around horible bank.

Ok this dates back to June when I sold a car over the internet to some Joe Shmo..... I recived a Bank check and checked out the back to make sure it was a real bank. It was so I went ahead and deposited the check. About 6 days later the check for ...

Pros: None! Stay far, far away!
Cons: The US Bank Visa card Customer Service specializes in cheating the customer.

Stay away from US Bank VISA gift cards! My 15-year-old daughter received a Visa Gift card issued by US Bank for her birthday. She used part of it at one store and had a balance left. A month later, she went to another store and tried to purchase an ...

Pros: Web site is among the best.
Cons: short on experienced employees - long on fees

Been with US Bank since it came to Colorado as a customer of Colorado National Bank that was taken over by US Bank. In just the last 3 years, I have seen 5 branch managers. This bank must be desperate because the current branch manager is about 23 ...

Pros: Good local banker ATMs accessible at Walgreens
Cons: Bad online bankingNon responsive IT deptRemedial ATM user experienceHard to correct IT problems

I had moved all my accts from Citibank last year to US Bank cause they were highly rated and secure.  My requirements were good local relationship and technology to be at least at par with Citibank.  I was assured that it would be and after ...

Pros: NONE
Cons: Se above

On February 11, 2005 I made a deposit at the Hamilton Branch bank for $1,085. On Saturday 2/12 I received an email confirmation confirming deposit completion on 2/14. As with all deposits that I have made in the past the email I receive from the bank ...

Pros: Easy access and friendly clerks
Cons: everything else

I have been a customer with U.S. Bank since I was 11 years old. I have never been disatisfied until today.

Sometimes I forget U.S. Bank, like any other bank, is a business. They'll be willing to fee you out of any money when given the...

Pros: Pretty logo
Cons: The free Quicken/MS Money Downloads don't work: Terrible customer service: Expensive Internet banking

I can't believe how bad the customer service at US Bunk is. Where do they get their customer service reps, women’s prison?

Here's my US Bank story:

I wanted to use internet banking to download my purchases to Quicken instead of...

Pros: I do not have anything good to say about my experience with US BANK
Cons: Major issues: inconsistency, customer service representative lack of knowledge, unethical method of monetary disbursement.

I feel like Alice in Wonderland....things are not as they seem according to US Bank...even their Account Agreement says so on page 10: "What we do one time does not make that a rule you can rely on in the future". NO KIDDING!!!!! After several jumps ...

Pros: Good internet banking site. Internet banking/bill pay is free.
Cons: Charges for anything but their ATM. Their ATM constantly out of cash.

Nothing like a bank that does not care that their customers are constantly inconvenienced by ATM's that can't dispense cash. I came to be a customer of U.S. Bank via two mergers with other banks (First Wisconsin and Firstar). Firstar was fine, but since ...

Pros: Nothing!
Cons: Liars!

U.S. Bank Caught! Alleged Insurance Fraud! U.S. Bank Phone: 800-USBANKS Fax: 513-632-2424 Minneapolis, MN Hanover, Michigan, 49246 On Feb. 7, 2008, our 2003 Ford Focus Wagon was stolen. First question out of the 911 operator's mouth was; ...

Pros: money doesn't go missing, easy to use online banking, can earn interest with check card
Cons: fewer locations, no walk up ATM's

I've had US Bank for almost 3 years now and have never had a problem with them. Their website for viewing your account online is user friendly and straight to the point. It tells you exactly what your balance is, how much you have available and what ...

Pros: I can't think of any.
Cons: They have terrible customer service.

My husband and I have a checking and savings account at US Bancorp. The only reason we opened an account was because at the time they were offering free checking. That's how they get you in. So far their customer service is really awful. The tellers I...

Pros: Nothing, unless you like to listen elevator music for an hour.
Cons: Finds crazy ways to charge you late fees. CustService is not in their vocabulary.

I have a home mortgage (my first house) with this bank. The best thing that they do are these wonderful inspections of your home, then proceed to tell you that you do not live there. This happens in February every single year to me like clockwork. This ...

Pros: NONE
Cons: UNORGANIZED, NOT CUSTOMER FRIENDLY

In the year and a half THAT I HAVE BANKED WITH U.S. BANK THEY HAVE WITHDREW MONEY WITHOUT OUR CONSENT, THREE DIFFERENT TIMES. ALONG WITH THIS THEY HAVE MESSED UP ON OUR DEPOSITS AND WITHDRAWALS THAT WE DID MAKE. WHEN YOU GO TO MAKE THEM FIX IT, IT TAKES...

Pros: none yet
Cons: Fire their CS staff, it wouldn't tick people off as bad to have none at all

At the recommendation of a friend, I started a new US Bank account to begin complete online banking from paycheck to bill payment. I started the account easily enough, but soon found in the middle of the week, that my initial check cashed to the bank...

Pros: They give loans
Cons: They forget you and then want to extend the relationship

I will be blunt, I hate USBank. In 1997 I bought a car and was given a loan through USBank. This will not be a lengthy tirade about my personal experience. I just want a future consumer to know that USBank has one of the most intriguing, complex voice...

Pros: None. Absolutely the worst experience I have ever had with any bank.
Cons: See above. Their 5 star guarantee is bs.

US bank does not care about it's customers. They assess pending deposits for NSF fees, even if the charge is wrong. Even if you bring their attention to the mistake BEFORE it posts! In my case, my auto insurance company charged me twice on accident for ...

Pros: Absolutely NO PROs whatsoever!
Cons: Creative, unauthorizeed, improperly notated debits.  Lacks integrity, not credible, worst bank experience in 51 years.

Number of years as US Bank customer: 10
Worst branches: 94044, Pacifica, CA and Castro, SF, CA

Words that best describe this instiution and it's employees: Malfeasance, un-authorized debits, un-cooperative, un-trustworthy, non-accountability, deceptive, un-professional. Fees, fees and more Fees (all non-disclosed and unexpected) $115 of fees in one day!

 Claimed that no maintenance fees would be assesed then proceeded to debit savings account $15/month "mainteainence" on an account with  tens of thousands in continuous montly balnce.

Run! don't walk as fast as you can from US Bank. They took over my local institution, fired great  local people who worked there, then replaced them with imported employees who know nothing about banking nor would these replacements be able to hold jobs as retail clerks. 

Pros: Open late on the 800 number
Cons: Rude service providers, slow with all banking transactions, lied over the phone. Unwilling to help.

If you are deciding to go with this bank for banking services: DON'T. If you are thinking about taking out the loan with U.S bank: DON'T.
Banking hours: This bank has very inconvenient banking hours. Rude service people. This is my in-laws opinion as well who had to take care some of my banking needs as a power of attorney.
Loan: Paid off loan via cashiers check. Took over three weeks to receive the title. Very unhelpful service providers. Totally lost my payment and charged me a late fee and later reimbursed me the money due to their mistake but it took over 1 month of phone calls.
I would not ever give this banking institution my banking needs. I recommend that you stay away from this bank as well. Do your research.

Pros: Convenient, sure
Cons: Expensive and sneaky!

Only my last nickel was $422.55. Oh ya, they charge a 3% "conversion fee" for oversees transactions. No, VISA doesn't get the money. According to a US Bank Card Member Services representative they now keep the whole 3% themselves. MBNA, as an example, charges NONE. So watch what you charge overseas. And if that isn't bad enough, don't return anything because ANOTHER 3% will be charged for that transaction, too! Wow! 6% for.... nothing.

That all followed the 'normal' $15 here and $25 there in apparent fees (and no, I wasn't under my minimum or overdrafted). I knew about the $1.25 monthly + $18 annual for the credit cards, but the surprises are killing me. Every other month there's one extra fee or another. Enough already!

Pros: Nothing about U.S. Bank is commendable.
Cons: Sign any papers, contracts or loans at your own peril.

U.S. Bank is one of the worst companies I have ever had dealings with. A request to change a payment date by four days required a double payment, hidden charges within contracts and inflexible management when trying to negotiate. Avoid this bank and its shady dealings. U.S. Bank still identifies customers by their full Social Security number, leading to increased potential for identity theft.

Pros: NONE
Cons: Free Checking but more than enough transactions fees - HIDDEN FEES

Watch for the blue hyperlink in you balance column. If it shows you have balance issues in you acct. If you have $7 in your account and spend $6 beware there may be funds held against the balance (they hold VISA charges for up to 3 days with no consistency) giving your account a negative balance. So when you see your statement any auto payment or VISA transaction that appears to have been paid on a particular date is erroneous. US Bank has already pulled the funds from your acct. and held them. Then when the bank deems it appropriate (but after you have incurred and incredible amount in fees) they pay your transactions and then release your funds - which will ensure the bank even more money in fees. But that is not all - don't have time for the rest. Just Trust Me! This is the worst bank I have ever dealt with and DO NOT SET-UP AUTO PAYS YOU WILL REGRET IT!

Pros: Are there any? Let see...

Free online banking. (but that's standard everywhere)
Cons: Extremely Low Interest
https://fastapp.usbank.com/fastapp/FastAppRouter

Hidden Fees

Bad Customer Service

US Bank pays close to nothing on their saving's account. It's not because the interest rate is extremely low right now. It's beacause they offer the worst interest rate ever, at 0.10% for their standard saving's account. Then they can loan your money out to someone else at a much higher rate (6% or more).

Interest Rate at US Bank
https://fastapp.usbank.com/fastapp/FastAppRouter

There is a daily minimum requirement of $300 for their saving account. They will charge you $5 maintenance fee for having less than $300. Bottom line, you have to pay US Bank for holding your money.

If you want get a reasonable interest rate. I suggest the following banks.

FNBO Direct offers 2.40% APY/no fees
HSBC Direct offers 2.25% APY/no fees
E*Trade Bank offers 1.95% APY/no fees
ING Direct offers 1.65% APY/no fees

Pros: There is one nice person in one branch somewhere in Nebraska, I believe.
Cons: Refusal and failure to uphold their own guarantee of service and ethical standards.

Avoid US Bank at all costs. My experience with them included a bank error that cost me $1200.00 and which they refused to correct even after my accountant pinpointed it. I have also been personally harassed and attacked by a US Bank employee. No other business in any other category has ever been more horrible to me and my family.

Pros: no comment
Cons: no comment

US Bank does not have quality indicators in place for checking validity of SS#'s.  Utah branch allowed an individual to open checking account using fraudulent SS#.  Benefit of doubt says perhaps numbers were transposed.  But regardless, they have nothing in place to confirm accuracy post acct. setup.  Female customer used my husband's SS# to open account several months ago.  We have never done business with US Bank and were surprised when we could not open a Bank of America account due to my husband's SS# having an "account abuse" flag on it.  (BTW - B of A is equally incompetent).  After hours of personal time spent investigating, including several phone calls with minimum 40 minute hold times, faxed and mailed documents, notarized signatures, etc., our problem is still not resolved.  We are considering legal action.  Advice is welcome.  My advice to others...stick with credit unions.

Pros: NONE
Cons: ALL BAD

DEAR SIRS;

I AM THE PLAINITFF IN AN A FEDERAL OUT OF COURT SETTLEMENT
WORTH TRILLIONS. I MADE THE MISTAKE OF TRUSTING US BANK TO HANDLE THIS ESCROW ACCOUNT AND THEY RIPPED OFF OVR $5,000,000,000,000.00 PLUS.

I HAD TO TURN THIS MATTER OVER TO THE FTC AND THE US CONGRESSIONAL COMMITTEE FOR BANKING .

US BANK CLOSED OUT ALL MY ACCOUNTS IN RETALIATION. SO I DEMANDED THEY BE CLOSED DOWN AND PUT OUT OF BUISNESS.

THEY ARE THE BIGGEST RIPP OFF ARTISTS I HAVE EVER SEEN. TALK ABOUT GETTING THE BIG ONE RRAMMED UP YOUR BEHIND, THESE CROOKS KNOW HOW TO DO IT IN SPADES.

I HAD $500,000,000.00 WIRED FROM THE US TREASURY ESCROW ACCOUNT ON 20 MAY, 2008. THEY TOOK IT AND LIE ABOUT GETTING IT. SO I HAD TO FILE THEFT CHARGES.

DO NOT GET NEAR US BANL OR US BANK CORP IN ANY MANNER.

Pros: Fast closing, NO CLOSING COSTS!
Cons: None

Over the last 2 years I have worked with Boyd Gudahl in the sales office in St. Paul Mn. I opened up a home equity loan and also a line of credit. Boyd was the best to work with. Everything was explained simply and he really took care of me. In a time when home values are dropping and Banks are not lending, US Bank really came through and Boyd was great to work with and the loan was closed in one week. Excellent! Do yourself a favor and call Boyd 1-877-587-2274 x 63742

Pros: rewards program for visa card was nice, but everyone has something like it
Cons: if your card is stolen, be prepared to fight the bank instead of the thief

My credit card number was stolen and USBank has decided to honor all the charges made to my account, but they did give me a $10 refund as a courtesy. The signatures do not match and I have a police report and a witness, but it doesn't matter. They will not protect you against fraudulent charges made to you account. I was a customer since 2000.

Pros:

convenient locations, longer hours

Cons: too many hidden fees, poor customer service

Opened a "free" checking account after moving cross country. I've been a customer for 6 months now and can say I'm not impressed. Who charges a .25 fee for each debit use, when it's supposed to be free? Yeah, .25 cents isn't much, but it adds up over time. I also don't like the waiting time to access money after a deposit. I had to wait 10 business days to access my own money. That's rediculous. Needless to say, I will not be a customer for long. I wish Wells Fargo would move further east. In 7 years with WF, I've never had near the trouble I've experienced with US Bank in just 6 months.

My advice would be to keep looking. I think I'll try a hometown local bank next time.

Pros: None
Cons: Too many rules, High fees, Poor service.

I was a Downey Savings account holder until Us Banks bought Downey savings. I loved Downey Savings especially their fees, they were reasonable! Us bank charges for anything and everything. I feel taken advantage of and in this critical time where money is very valuble they seem to justity that over drawing by .80 cents I should get a 37.50 charge. Very sad that they should make money off their customers this way.

Pros: They have lots of branches
Cons: all those branches practice predatory banking.

I overdrafted my account by going $7 over in one transaction. I expected the $36 charge. But US bank charged me 4 overdraft fees including fees for transactions that occurred before there was an overdraft, then they charged me more fees for the overdraft that THEY CAUSED by charging me fees for transactions that there were available funds for!

Because I made a $7 overdraft they say I now owe them over $300 in fees. The manager of the bank was agitated when he spoke to me and did not listen to what I had to say. He told me that they charged the fees before there was a negative balance because they "knew my account was going to be overdrawn ahead of time since I had pending transactions."

US Bank is practices predatory banking.

Pros: lots of branch's
Cons: absolutely nothing. AVOID THESE LOOSERS AT ALL COST.

Don't waste your time trying to do business with this bank. They do not want your business or care about their customers.  At first I thought it was me and I was just having a bad experience with a branch office, but after having to deal with 5 of their branch offices their incompetency is institutionalized.  I won't go into a long winded diatribe about every thing they did wrong when I opened a small business checking account, but needless to say I have decided to take my business elsewhere -- my local credit union -- who treats me and my company with respect. 

Pros: Very Very good bank. Happy 7 year customer!
Cons: Some Branches could be open later on weekends

US Bank is one of the only stable banks in the banking environment today. I have been banking there for many years and I
Absolutely love them. My many years of great service just went higher after speaking with a rep named Boyd Gudahl in the Financial sales department. I spoke to him about the bank and also interest rates on loans and line's of credit. Very very knowledgeable man!

Pros: Average at best
Cons: Horrific

US Bank, recently started, without informing its customers, a daily $7 overdraft charge, which is even deducted from your balance over the weekend when the bank is closed for business. That makes it hard to catch up and pay off to a zero balance, especially if you are conducting online banking only and don't live any where near one of its few locations. But of course, this is exactly what they wish to do so that they can receive easy money for little of no work at all. Don't let them get away with it, don't put your hard earned money in there bank in the first place. Learn from my experience!

Pros: NONE!!!!!!!!!!!
Cons: EVERYTHING!!!!

Us bank reported me to chexsystems. So i paid off my balance IN FULL and the people told me it would take 5 days to get me off chexsystems. Well it has been a month and i'm still not off. So i called them and they told me they forgot to send the paperwork but it doesn't really matter cause they have a policy that they wont take anyone off chexsystems for 5 YEARS!!!! Then the rep started yelling at me saying that i was a liar and no one ever told me i would be taken off. DOWN WITH US BANK!!!!! They screwed up my life for the next 5 years, I can't even have a bank account anymore because of them. They should be responsible for telling their costumers any deatils that could screw up their life for 5 years~!