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 11/28/2022.
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4 Star Rating
My husband died last year and my monthly income went from $10,000 per month to $3,500. I transferred my balance from another card. I have been unable to catch up on my payments. They have not harassed me whatsoever.
very unhappy with US Bank rn worse CS experience called in Jun 2022 to have my Savings Acct changed to no fee acct 2 nomths of no fees then $4 "maintenance" fee charged in Sept/Oct which was waved then withdrew acct to Zero and was charged a $4 fee for THAT!! sad that a big bank is careless with CX's Will be taking my Banking Business elsewhere soon. Good CX for several years now treated like garbage
This bank takes care of my checking needs. Very good I will never use the third party Zelle account through this bank again, because I got ripped off and the bank did not stand behind me so be careful.
I was offered an HD card sponsored by us bank, for a $10 discount on a $50 T shirt. Fore whatever reason I didn't get a statement the first 2 months, whereupon I learned that the 29% Finance charge had all but eliminated the $10 discount. I called and asked the rep to pay off my card and closed it. They were rude and it took two tries to close the account. When I next checked my fico score, they knocked me down 100 pts, to 688. I'll never use HD or usbank for credit ever again.
After maintaining numerous accounts with US Bank (Personal & Business) for over a decade with no late payments, outstanding credit, and a loyal use of the Banks services, a sudden and unexpected divorce put me in a terrible place financially. I submitted an application to US Bank for a measly $10,000 to help me get by for a few months over the winter so I could get back on my feet. They rejected the loan request within 24 hours. I then emailed their VP of Lending to voice my concerns. His assistant emailed me back and stated that I would be contacted by a local District Manager that would speak to me about my concerns.
I received that call today and it was as if I was talking to a robot, not a flesh & blood banking professional. This "middle man" with the title of District Manager conveyed to me that US Bank's Policies and their Almighty Income to Debt Ratio Calculator prevented the loan from being granted. Seeing how I have an MBA and was a former business owner, I pressed the issue that people write policies and, thus, can make exceptions when needed for the sake of the customer. She apparently couldn't comprehend this as she kept reiterating the US Bank policies. Since it was readily apparent that she was either a) unable and/or b) unwilling to grant the loan request, I thanked her for her time and left the call.
What a sad establishment US Bank has become, whose Big Bank policies fail their customers in their greatest time of need. Where are the Bankers like George Bailey from the classic movie It's a Wonderful Life? Where are the ones that truly care about their customers in their days of hardship and are such a part of the community that it pains them when said community, and its members, suffer due to circumstances beyond their control? I'll tell you this...they are not at US Bank. That being said, for anyone reading this debating where to place your hard earned money, I (as a Christian, 9/11 War Veteran, Father, and MBA) would recommend just about anywhere else; even loan sharks at least provide you with a financial option (albeit a grossly high-interest one, but they at least open the door (per se) if you choose to walk through). When people become just another part of Big Banking's algorithm, instead of being seen as individuals, what a failure the banking industry has become; especially in my case with US Bank.
To note, I will get back on my feet financially, and in the short term. Whether on my own accord or with assistance from another local bank/credit union that actually allows their leaders/district managers the ability to make educated and compassionate financial lending decisions; instead of just relegating said employees to just preach the virtues of their Big Bank policies as if we, their customers/neighbors/friends, were unable to think beyond the arbitrary policy barriers that are put up. However, when it does occur I will promise you this: that I will never, ever use any financial services from US Bank for the rest of my life. So great of a financial loss for US Bank considering over the potential half-a-century of life I, Lord willing, have left...and all of it simply over a personal loan rejection for a $10,000 drop-in-the-bucket.
You don't even need to be an MBA to figure that out. Shame on you US Bank. You have failed me today.
Product: U.S. Bank Personal Loans
4 Star Rating
Good simple service. Generous with reasonable fee wavers. Really impresses an old Veteran. Easy enough to get a human on line most of the time. Adequate fraud Dept.
Not the best customer service, gives very low credit lines even if you have high income. But one good thing they do provide you for months to be able to reach your sign up bonus which is nice other company it’s only three months.
No, U.S. Bank is not closing down. U.S. Bank is downsizing considerably, though, having shuttered almost 860 of its branches from mid-2019 through the end of 2021.
One of the reasons why the U.S. bank is closing branches is that an increasing number of customers continues shifting to digital banking platforms to manage their accounts. Hence, many of the branches that were temporarily closed in 2020, because of the coronavirus pandemic, have since closed permanently, according to officials from U.S. Bank.
U.S. Bank's branch closures are part of an overall trend nationwide. More than 4,400 bank branches across the country have closed between 2017 and 2020. On top of that, bank branch closures increased by 38% in 2021. As a result, shuttered branches exceeded 2,900, setting a new record high.
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