U.S. Bank

21,698 Reviews

U.S. Bank's history dates back to 1863 when First National Bank of Cincinnati opened for business. As regional banks proliferated across the country in the years that followed, a number of other predecessors were born. After a series of mergers at the turn of the 21st century, they formally took on the U.S. Bank... show more

U.S. Bank Reviews

The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 07/27/2021.

4.0

21,698 reviews

from WalletHub and across the web

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malletwiz
July 27, 2021 • @malletwiz

Worst bank ever!!! I informed them that my car payment would overdraft my account. They paid the overdraft and charged a fee. Which is fine but then they waited 3 days and decided to return the item. I get direct deposit to this account. I didnt care about the fees. I agreed to them. What is the point of having overdraft protection if you can never use it?! Of course they left the overdraft fee on my account while returning the item!! I cant wait to change back to bank of america because as annoying as they can be it was a much better experience with them. US bank is trash!!! These people need to be shut down. They got a sued a few years back and had to pay their customers for their screw ups. Sounds to me like they need to have action taken against them again. If I have overdraft protection I should be able to use it. If you re just going to return the item theres no point in having overdraft protection. This bank is dishonest!

Product: U.S. Bank Checking

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Elle
July 27, 2021 • @Elle29

In my experience just being signed up for overdraft protection doesn't guarantee the bank will pay it. They only allow you go so far into a negative balance and that amount is different for everyone, usually based on off how much is deposited regularly. Also you will be charged an overdraft fee regardless if the bank pays it or not. You can call to see if they'll waive the fee though after the fact. If they don't you may have a better chance going into your local branch and asking. A couple years ago i was struggling to get by and i had taken all the coins i could find to branch to avoid getting an overdraft fee. At that point i had already had quite a few throughout that year and i just was over it. The coins ended up not being enough and i was going to get 3 fees that day alone. I figured I'd ask the branch manager if they could help just so i wouldn't get the new fees that day. They ended up crediting 6 overdraft fees from previous months so not only did i avoid the 3 fees that wouldve been charged, i ended up with a decent credit back. Luckily I've been able to stay ahead even with the pandemic but I'd like to think banks will help with waiving a fee... certainly doesnt hurt to ask.

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michelle_lacy
July 26, 2021 • @michelle_lacy

If I could give US bank -1 stars I would. I was a US Bank customer for 30 years. For the first time in my entire life I was a victim of an employment scam that cost me over $2000 that impacted my bank accounts. Instead of working with me on a repayment plan (yes, I was willing to repay the bank because it was my fault for falling for the scam); US Bank decided to close all my accounts. Their reason is, if I could fall for a scam once, it could happen again and they do not want that risk. After 30 years, and being a victim, this is their response. I just want others to know, that US Bank will not have your back if you are a victim regardless of the impact to you and your family especially during these times. They closed my accounts, and no regrets, I have joined another organization that will treat their customers with the respect that they deserve.

Product: U.S. Bank Checking

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Chris Liu
July 25, 2021 • @ozmomomo

The REI-specific and general card benefits are fine, and are why I own this card. That said, the technology of US Bank is not great.

For example, when contacting the back-of-card customer service number, I have to travel through two phone trees and enter my card number TWICE in order to reach a human.

That said, if you want a card with REI benefits, this is your only choice. Just know what to expect.

Product: U.S. Bank Credit Cards

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Laura Lauzen-Collins
July 22, 2021 • @lauzencollins

If I could give usbank 0 stars I would. In my 48 years of life on this earth, I have never dealt with such a dysfunctional company. I have spent many hours on hold, and have been transferred dozens of times of the last several years of dealing with them. It has been more than two years and tens of thousands of dollars, and my issue is still not resolved. I am constantly promised calls back and never receive any. It has been the worst experience I have ever had with any company. Do NOT use this bank.

Product: U.S. Bank Home Equity

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Shelley Carey
July 22, 2021 • @stcarey375

I have both business and personal credit cards with this bank. I've called seven times trying to get online access to my personal credit card, which US Bank has tied to my business account. I've asked for the issue to be elevated to a manager and was told there's no one I can elevate the issue to. Ridiculous!