U.S. Bank

After banking with US Bank for 7−½ years, I’m on my way out. Keep in mind, I have money & am not in debt: I can go anywhere I want and my money will be welcome and I am usually treated well. HOWEVER… I recommended US Bank to my girlfriend. She has some debt issues (nothing too horrendous) that she’s working through. Time and again, the least little error has resulted in a fee or an overdraft charge for her that US Bank has been unwilling to reverse. Yes it’s incumbent on her to get it together, but I’ve had a couple of missteps in 7−½ years and have gotten every charge reversed. Gee, could there be a venal, arbitrary and capricious bias towards people struggling with debt? Sure, why not pile on the misery! You’re in debt, you ought to have low self-​esteem and let US Bank help with that! Not that it’s been all good for me, I had some prick in their mortgage division clip me $ 15 for a credit report 2 years ago when I was considering buying instead of renting. When I told him nobody else I was getting pre-​approved with was charging me up front for a credit report (most include it in closing costs) I was told that was the way it was and there would be no refund. Adiós US Bank mortgage division. The last straw, however, was last week when the gf asked that I deposit $ 400 cash of hers that I’d stashed at her request be deposited in her US Bank checking account. I did so, at this branch, only to get a panicked phone call the next afternoon when she discovered that the stupid C.U. Next Tuesday who’d taken the deposit had entered the wrong account number (not just transposing a couple of numbers, it wasn’t even close) and that the funds had been immediately withdrawn from the account she’d (deliberately? inadvertently?) deposited the $ 400 into! I was beyond furious, and the gf was a crying mess. The person my gf was dealing with at this branch over the phone, Joyce, at first told my gf that there’d have to be some convoluted, labyrinthine investigation into the incident that could take up to 45 days, and the money would be would not be available to her until the conclusion of that investigation. At this point, I forwarded an image of the deposit receipt which I’d thankfully kept, and Ms. Next Tuesday relented and put the $ 400 in the gf’s account where it should have gone in the first damn place. Unbelievable. The insolent, arrogant, self– righteous and piss-​poor approach taken by US Bank during this unforgivable incident is totally unacceptable. You can bet that US Bank would have had the police on hand with weapons drawn if WE’D tried to clip THEM for $ 400. I have a line of credit, 4 credit cards, and a checking & savings account with the bozos. That will be changing. I wouldn’t continue banking with these insipid morons if it came down to a choice between them and Wells Fargo!

U.S. Bank is honestly the worst bank I have ever had. Unless you have direct deposit, DO NOT BOTHER banking there. They charged me 10 $ a month, WITHOUT telling me, to hold MY money in a checking account. When I brought it to their attention 3 months later, they told me they were not going to refund me my money. And to have an account I need to pay up, or meet the qualifications. Even when I stressed to them I would like to remain at my bank. You would think they would want to keep customers, but as it went when I said I would switch banks, they told me to be on my way. And so I went. Do NOT bank there.