U.S. Bank Checking Accounts

US Bank in Modesto, CA, on McHenry Ave closed my direct deposit account without informing me. If I had not called the bank because an external loan company could not deposit money into my account, I would not have known, and my direct deposit that posts to my account every month would not have been available to me until US Bank mailed it to me 10 days after they received it. Fortunately, I found out in time. I was able to open a new direct deposit account at a new bank; now, I will get my next payment on time. I still have not received a letter explaining why they closed my account. Well, I don't have to deal with them anymore unless they owe me money or vica versa.

US Bank has been quite disappointing. Do not bank with them. I opened a checking account and made 3 transactions, including 1.25 from Apple Pay to open the account, a $325 direct deposit, and a $100 purchase. They closed the account after I made a $100 purchase. The account was not overdrawn and the transaction was not disputed. I opened the account online and received an email when the account was officially opened. However, they closed the account without providing a reason and stated I had to wait to receive a letter via standard mail for the reasons why. They also mentioned they would mail me a certified check for the remaining $250 that was in the account. This bank has poor communication and I suspect fraudulent activities because I have never before experienced such an unsatisfactory banking experience. If everything is done online, there should be a secure digital way to provide customers with information rather than relying on standard mail, which does not guarantee delivery for first-class mail. They don't even offer tracking for the standard mail. It seems they want to present themselves as futuristic, yet their processes are outdated and inefficient. Consider banking with a different, more reliable institution. Stay away from US Bank.

US Bank has been disappointing. I've been a customer for over 7 years with a credit score of 825. In December 2025, I received a notice about a change in their terms of service, stating a monthly service fee of $12.00 unless a balance of $1,500 is maintained or that amount is directly deposited into my checking account each month. Living on a fixed income, my monthly check was $6 short of the $1,500 requirement for December 2025. By January 2026, my income increased, surpassing the direct deposit requirement. I contacted customer service to request a one-time reversal of the fee. However, I was denied, with the representative explaining that US Bank's policies are firm. I am very dissatisfied with US Bank and would not recommend their services.

US BANK customer service has gone down the drain... and its really sad. I used to feel safe and taken care of. But now they're just money hungry, rude, and have completely lost sight of how to take care of their customers.

- From being hung up on by childish agents
- To being put on hold, just in hopes that you hang up by wasting your time
- To being told you're speaking with a 'manager', but its really just another person who's playing defense and not trying to help you at all

This bank used to bring warmth to my heart knowing I was with a good company, but now it just brings a dark sadness because of how horrible they treat people.

I will be looking elsewhere to put my money

US Bank is by far the worst bank I've ever used. I'd give negative stars if I could. It all started when I thought it would be nice to get $450 for direct depositing $8000 in 90 days as they promote. WRONG, they lied; you get 60 days, NOT 90 days. Then I take a picture of a $200 check thinking it would instantly be deposited like it is when I do the same with Chase. WRONG, they put a 10-day hold on a $200 check as if it's $5000. I'm like, really, in this day and age, it still takes this bank 10 days to verify a $200 check. It's been nothing but problems since I started, and customer service is no help. Evidently, this bank doesn't care about keeping customers!

US Bank would not refund my money after my account was hacked online and someone used my debit card. I have been banking with them for over 10 years and was told that Shein informed them I received the items and it wasn't fraud. After I explained to them several times and sent over 20 faxes with proof that the items were not sent to me, and even provided a police report, they still refuse to refund my money. I am dissatisfied with US Bank.

Worst bank ever. The online banking literally doesn't work, and you have to call them. They charge a $5 account dormant fee per month if you don't make a transaction.

Useless, useless, useless.

Too bad I can't give zero — or negative — stars!

These monkeys cashed a Canadian check from a law firm trust account. Bulletproof. They even gave me full and immediate access to the funds, which was appropriate. I should have cashed out and turned my back. But no, I assumed this was a professional business. Duh!

I started using my other bank funds on critical projects, holding this in reserve. Yikes.

I decided to link my accounts so I could easily pass money back and forth. I figured these guys had been fully awake and sentient for the past two decades. They probably used Plaid to link accounts, which was 100% secure and took a few minutes. Not for US Bank, which relies on the Stone Age technique of adding tiny deposits to external banks over a three-day period. It's up to us to log in, write down the amounts, and verify them in the US Bank account. Really efficient, and not aggravating at all! Why did we ever give up the pony express after all?

Four days after accepting the $14k deposit, they revoked the funds and added a tiny remark that they would be on hold for ten days. No phone call. No email. Just all of my money gone.

Two days later, US Bank returned the original check to my home address ("look for it in 7-10 business days"). They said the check had failed inspection despite it being backed by a trust account.

Then they charged me $36 for being overdrawn, among my many other offenses.

The capper: they literally advised me to "recash it and see what happens."

For the first time, I encountered unprofessionalism at the bank. Not only did I have problems creating a username and password in the mobile app, but the customer service was also unfriendly and seemed uninformed. It took contacting 12 people over 2 weeks to finally resolve my issue with the bank's mobile app. Due to the poor functionality of this bank, I have to pay late fees on my credit card because the bank was inadequate. I have always paid my bills on time, but due to this bank, I incurred overdue late fees. My credit card experienced problems with this bank, and they were unable to process payments. Now it’s going to affect my credit score, and I'm faced with paying a $60 fee. I do not recommend this bank if you don’t want to deal with inept service and pay late fees for your credit cards. Find a better bank; I'm extremely disappointed. This bank doesn’t deserve even 1 star.

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.