U.S. Bank Checking Accounts

If I could give zero stars, I would. Horrible experience with their fraud department after experiencing fraud. Went back and forth to the bank after hearing one thing from customer service and another from the branch in person. Not only did they not return my money, but the manager refused to verify the address on file because there was no physical identification. Tips for customer service: educate your employees on policies so that customers can have a pleasant experience and not have to go back and forth to fix things. As a company in charge of handling the public's money, you should have employees educated on the policies to best help their customers. Never banking with this company again.

"OVERDRAFT FEES... I've been with US Bank since 1998. I'm a senior now on social security and a part-time job. My income is very low by California standards, actually, by US standards. I have automatic payments coming out of my account, and I have been trying to manage them so that they all come out at a certain time of the month. US Bank has not helped me with that at all. I wanted to close my account, and they said I couldn't close it for some reason, and they didn't give me a time when it could be closed. I recently had auto pays come out and overdrew my account by less than $25. I looked up and saw I had $108 in overdraft fees. I asked them if they could do anything about those fees, considering the small amount that was overdrawn, they denied me on all of them, saying I had that courtesy last month, and that was my limit. I have a regular direct deposit that comes out in 2 days, so I paid $100 interest basically for a 3-day $25 loan. I don't have the words to express how angry I am at this bank that I thought had policies and people there that cared about their customers. I've been with them since 1998, and they want to keep my $100. These are the kind of things that make people incredibly frustrated with these institutions. The United States has opened the gate to the greediest, most uncaring, money-grubbing criminals hiding under corporate names. I am beyond livid, listening to the news and the policies of this administration, and the bullying, hypocritical, and criminal behavior of American business is so far out of control. Businesses are designed to support life, not the other way around. They just added one more warrior to the fight. I WILL NOW WORK TO HURT THESE TYPE OF BUSINESSES BOTTOM LINE.....

US Bank offered me a bonus to open a business account and maintain a balance of at least $5,000.00 for several months. I complied with their requirements. After the time lapsed, I called and asked why I had not received my bonus. The customer service representative said that he "would need to read the fine print on the offer" before he could answer my question. I finally got the bonus plus interest, but it was very shady and not done in a timely manner.

More recently, I had to call US Bank and report that I was receiving calls from people that were obvious scammers. I asked them to help me change key security questions to ensure that they could not access my account. I changed my password and set up two-factor authentication to make sure scammers could not access my account. I thought everything was fine. I paid some bills out of my account. The payments were denied despite the fact that I had ample money in my account. I called the bank, and they told me to call their bill payment processing company. The bill payment automated voice system kept hanging up on me after I entered my social security number. I called US Bank again. They gave me a different number for the bill payment service company. I tried calling them again, and again their automated system kept hanging up on me.

I went to the bank to find out what was going on, and the teller finally informed me that US Bank had blocked my account from having funds removed without my knowledge. They did this and did not bother to tell me not to try to pay bills with my account. They wanted me to close my account and open a new one. I withdrew my funds and went to a new bank. Now I have the hassle of changing all of my banking information. I had to call the companies and people to whom I paid money and explain. It was assumed I had insufficient funds to pay my bills, and I had been charged fees for that. US Bank is not a good bank. It's been a huge headache. I recommend avoiding them.

Never banking with US Bank ever again! Horrible communication skills on their behalf. I was only with US Bank for a short 2 to 4 months before never wanting to go back again. So, here is my story...
Apologies for it being long, but this is information you should know, and I'm not the kind of person to usually complain.

Anyway, I joined US Bank because they are so remote, and I was moving across states in a month. When I set up my account in Idaho, the man who assisted me was very kind. It went very well, but keep in mind he never asked for proof of residence. Just information about my current address and the location/date of when I was moving.
Fast forward—I moved across states and immediately (on the 12th of August) went into the bank to change it to my temporary address (my boyfriend and I were moving to a permanent address a few weeks after my arrival), once again when they never told me I needed proof of residence. Additionally, I went into the bank two times after the 12th. Going ahead a week or two from my last visit, I was very sick and went to order some food. However, to my surprise, none of my transactions were going through. Confused, I went on my mobile app to find all three of my accounts were nowhere to be found. Immediately, I called the bank to see what was going on. Over the phone, the lady just told me, "Your account was closed today." Shocked, I kept asking questions and got no answers to what was happening. The lady over the phone was clueless and connected me to two other customer service calls. "You needed proof of residency. We've been trying to contact you since the first." Still confused, since NO ONE TOLD ME, I searched through all my emails, text messages, and phone calls and didn't see anything from US Bank regarding it or any notice of maybe, "Hey, by the way, we're closing your account?" I kept asking over the phone, "Well, who closed the account? Which department?" etc. The person over the phone was just as oblivious, still giving me zero answers, so finally I dragged myself to the bank, already over it. When I got there and told the lady the situation, she even seemed shocked. Then, fed up, trying to get my money back, she tells me they already mailed out cashier's checks that day, and there is nothing they could do. Which, of course, was to our temporary address, and they couldn't even change it to my permanent one I was moving to in 3 days. So with that, I had to spend almost 2 weeks with zero money, and I still had no notice of my account being closed, any information about what happened, or who closed my account. All of them were just completely oblivious; like, shouldn't you know this kind of information, or at least inform someone about such an action? On top of all that, they still wanted me to stay there. So safe to say, don't bank there!

Additionally, but semi not relevant, the same day I went to the ER from the virus I had and couldn't, myself, buy the medications I needed to recover. (Thankfully, I have great loved ones in the area to help out.) However, you never know what will happen, so stick with a bank you trust.

Signed up with a new account bonus. The bonus was never awarded, and customer service denied that I ever applied for my new account using a "coupon code". This company is well-known for scamming customers out of their new account bonuses, and this dishonest practice continues.

I have had an account with US Bank for well over 30 years. I spent over an hour being sorted through voicemail before being connected to a pleasant customer service agent. I gave her my account number and social security number. She said she needed my user ID, so I went online to obtain that information for a User ID set up over 30 years ago and gave that to her only to be told she could not help me. All I was requesting is a blank POD form specific to the bank. She was unable to provide the blank form because I could not give her the date I set up my account. If you need nothing and just want to deposit money, they are fine, but if you need anything else, they aren't so good.

Worst bank ever! I got scammed for $190, sent in pictures and all documentation, and still did not get my money back from US Bank — the worst ever! Epic Deep Steam Carpet Cleaning Company messed up my carpets and broke our back door, and US Bank is terrible.

US Bank recently froze my account for six weeks and returned funds from a treasury benefit I had earned that were 100% legitimate. I had a large deposit wired to US Bank, transferred funds to other accounts, and paid bills. They froze my account for "suspicious activity" and initiated a return of funds to the Treasury Department. I provided proof of legitimacy and wire which showed their validity at the local branch, e-fraud department, forgery department, and district managers at US Bank. The director of the federal program from where the funds came called them and verified their legitimacy. They ignored all of this, instead using a faulty fraud detection system that Bank of America used in 2022 and was fined millions for customer abuse and their error.
I had no access to pay bills, review my account, or access my rightful funds. US Bank treated me unjustly as I had done nothing wrong. The only wrongful act committed was US Bank seizing my funds.
Stay far away from US Bank.

I will NEVER bank with anyone other than US Bank for the simple fact that they have your back when it comes to disputes! If you have an issue with a debtor, they take care of it! I love knowing they are always on my side and willing to help when companies are trying to potentially 'scam' you out of your hard-earned money!

Horrible. That's putting it mildly. I'd love to use other words, but it's not ethical. I'm an existing customer who opened a new checking account. I funded said checking account with my last dollar to my name, under the impression I would be able to access funds immediately. That's not the case. I struggle enough as it is, living paycheck to paycheck. It's hard enough to make ends meet; I don't need help in that department. So here it is, August 31, 2025, no cash and may as well say no bank either. I cannot even close the account. Come Tuesday, September 2nd, I'll be closing everything with them and finding someone else. It's inexcusable and I'm not settling with 'I'm sorry.' Horrible. I will be certain to tell everyone I know to never use this bank. Now I have to hustle up grocery money since my daughter can't eat and I can't access my money.