U.S. Bancorp

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