U.S. Bank Reviews 1,501

I applied for a loan and was promised a fixed percentage rate and no points. I was told the rate was locked by Nancy. Then when I was presented with with the closing documents, they added points and the closing costs went up from the original quote of $3000 to almost $7000. I was told it was debt to income ratio, but I was also told the rate was locked in, so the fact that they added points and over $2000 in closing costs seems deceptive at best

Purchased a vehicle in December 2025 and dealer sent inquiries to multiple banks. All except US Bank showed hard inquiry under same VIN counting as only one hard inquiry, unfortunately, US Bank did not. Several phone calls later and after filing for a reclassification I received a letter affirming it was for same vehicle, same VIN, etc, but then denial of reclassification. I tried calling for clarification on why it was denied and the department who issued the denial can not be found at the number on the letter.
Simply put, when purchasing a vehicle tell the loan manager to omit US Bank from their inquiries. No amount of interest savings, if any, are worth the hassles to reach a capable employee when you need one.

I'm trying to sell my home. as we know thats a 30 day process.

bank gives me form to fill. filled and emailed where I was told. it takes 24 hrs to know if they got it. the automatic system says they did.

call everyday for a week of trying. 1 week later I learn they can only accept formal documents via fax. ???

so I find a fax machine because its not the 70s. i call to make sure. same thing, they cant verify for a minimum of 24 hrs.

so daily I will be having to go to a fax machine and faxing a 3rd party release form so my realtor can sell my house ....

They are allowing scammers to easily open accounts and then require a lot of personal data to clear up the accounts. Scammers can easily open accounts, and I believe US bank is letting it happen so they can collect fees on accounts that do not go thru their lengthy dispute process ""on time"".

Turned a mortgage loan into a true nightmare for my brother-in-law. He had his payments up to date, but they blocked automatic payments and didn’t allow him to pay by any means. This has caused loss of money, time, physical and emotional strain, stress, and worry.
They only care about their own interests, with no empathy or respect for their customers.

Was repeatedly declined for a CD account despite already have another account with them. Nobody can say why, nobody will follow up, nobody cares whether the case is resolved. If they're not interested in banking then how, exactly, do they stay afloat?

They remind me of an employee who has resigned themselves to being fired; rude, lazy, and dismissive of any task they are expected to carry out in order to get paid.

I had a terrible and extremely distressing experience with U.S. Bank in Tarzana and Woodland Hills. The safe deposit boxes are clearly NOT secure, and the staff handling them appear careless and poorly trained.

In my case, an unauthorized person was able to access my safe deposit box using what appears to be a fake or mismatched signature. The bank failed to properly verify identity or compare signatures, which is a basic responsibility when dealing with customers’ valuables.

Because of this negligence, my belongings were stolen. What’s even worse is the lack of urgency and accountability from the staff afterward. Instead of taking this seriously, they delayed and did not provide clear answers or immediate support.

A bank should be the last place where security fails—especially for safe deposit boxes. Based on my experience, I strongly warn others: do NOT trust these branches with your valuables.

Transfers take longer than typical for other banks. Generally higher fees. I do really like the people that work at the branch. Automated system refuses to connect you to a representative, it just keeps telling you all the information you don't care about. Even "contact us" button is futile.

Two and a half months. That’s how long U.S. Bank managed to drag out what should have been a straightforward process—only to ultimately fail to fund over an issue so trivial it’s almost laughable. If it hadn’t cost me hours of my time, repeated follow-ups, and unnecessary frustration, it might even be funny.

From the beginning, the experience was riddled with inefficiency, poor communication, and a complete lack of accountability. Requests for documentation came piecemeal, often days or weeks apart, as if no one internally had a clear understanding of what was actually required. Every time I thought we were nearing the finish line, another minor—and frankly insignificant—“issue” would surface, resetting the clock yet again.

What’s most frustrating is that this wasn’t a complex deal. There were no unusual circumstances, no high-risk factors—just a routine transaction that any competent institution should be able to process smoothly. Instead, U.S. Bank turned it into a drawn-out ordeal, wasting my time and demonstrating a shocking inability to execute even the basics efficiently.

Communication was inconsistent at best and nonexistent at worst. Calls went unreturned, emails were delayed or vague, and no one seemed willing to take ownership of the file. It felt like being stuck in a loop of bureaucracy where progress depended more on persistence than professionalism.

In the end, after 2.5 months of back-and-forth, the deal fell apart over something so minor it could have been resolved in a single conversation early on—had anyone been paying attention. That’s not just disappointing; it’s unacceptable.

If you value your time, your sanity, or any semblance of efficient service, I would strongly advise looking elsewhere. This experience reflects a systemic issue, not a one-off mistake. U.S. Bank didn’t just fail to deliver—they made the entire process unnecessarily painful from start to finish.

A couple of times my account was frozen and they couldnt give a reason why, terrible customer service,random charges..never bank here.

I have been with US Bank at least 25 years. Just a few days ago there was a unauthorized transaction from my checking account. Called the 1-800 US Bank #. Eventually talked to Yumi. A very professional and polite young lady with the US Bank fraud department. Yumi was so helpful. Thanks so much. Mr. Newland.

I did a balance transfer almost a year ago to U.S. Bank at 9% promotion rate so when the promotion ended, I tried doing several balance transfers from other banks to pay off U.S.Bank, but over several few months, U.S. Bank kept telling me they never received any balance transfer requests from me, nor were each confirmations of my requests were recognized. I later sought help from the Federal and State Banking agencies, and the Better Business Bureau, and placed a complaint, but the problem continued for months. Finally, after months passed trying to get my refund for the overpayments, they finally mailed my refund check. This experience cost me months of sleepless nights and stress-filled days with extensive hours of phone conversations with endless excuses. I would never do business with them again. Such liars!

Had the card for only a couple months. Paid more fees than any other card I owned. Money takes way too long to post. No support email. Terrible company/card would not recommend.

US Bank is an old bank, with old, out-dated, ideologies. But if you like magic tricks, you will LOVE this bank. If you have free checking, suddenly..*POOF!* without warning, that's gone... Should you have overdraft protection, *POOF!*, it can evaporate, for no given reason. In the past, US Bank has been taken to task for "stacking" checks/deposits; Instead of depositing/debiting funds in one's account in a correct, chronological order, they would deposit them as to accrue the most overdraft fees. They were taken to court in a class action lawsuit for this. This bank will nickel and dime you to death. There are no pennies too small dor US Bank to not bend over, and pick up. They will charge you every step of the way for any little thing. They practice predatory lending programs including home equity loans and refi's. They're ultra-conservative methodology is often detrimental to their customers. They will do something nice for their customers once in a blue moon, but they ALWAYS do something nice for themselves. My personal opinion, would be to avoid doing business with this Bank, at all costs. If possible you may want to go the route of a credit union which seem to net better customer experiences.

A bank that only charges you.

I opened an account for USBank, after being an Ally customer for 12 years. Ally doesn't have a physical presence, so wanted a bank that had a savings account that I could deposit money to.

I chose a savings accounts and, let's let the balance speak for itself:
- deposit $275
- December: flagged for maintenance fee, but "forgiven" (0 emails)
- January: flagged for maintenance fee: -12.00 (0 emails)
- Notice Feb 2nd, remove money, send an email to close the account, after they took $12.
- February 4th flagged for maintenance fee: -12.00 after I removed my money, so now negative (0 emails)
- Feb 6th: Attempt to close account. Can't close account because negative. Try to explain, they tell me to pay.
- Feb 7th: Pay in person. Their system doesn't allow to close account as it has to settle. Bank manager says he will personally close the account the next day.
- March 4th: -$12 (0 emails)
- March 12th: notified of a notification for USBank (me thinking it was finally telling me closure) NOPE -- threat to close my account as delinquent.

So, I guess I'm spoiled from using Ally for a decade, but I guess I didn't realize that banks take your money for dumb crap, and lie to you, in person, to take more money. Will never use USBank again, and actively ward others away from these shills.

The worst experience in its entirety I’ve ever had with a bank I wouldn’t trust them with a kids lunch money and the manager of the Jeff location is ridiculous and obviously can’t handle her job they will hold your money and smile in your face as they say you can’t have it

Worst customer service ever and told a different story every time I call about a new card ordered but not shipped yet

This company deserves zero stars. High risk business using this bank to finance a house. I'm a contractor and got hired to remodel a burnt home. US bank released 40k on a 157k job. Won't release anymore money until job is 56% complete then only a undisclosed amount. As a contractor I can't work with companies that have no rep for contractor to work with or no promise of payment. Even kept the people's personal belongings money in the deal. Horribly rude and basically said get a lawyer if you don't like it. People are still out there home. I'm not going any further until I'm paid. Feel sorry for the good people being manipulated by this company

My account info is given out on a regular basis in Wausau Wisconsin to the Lions Club that want to know where I go, so to harass me and spread hate. This is not my first bank with this problem though. Been going on since 2002. No I do not suffer from mental issues. Something must be done. Tellers have all your info!!!!1

I have a US bank Business Credit card, while I did have some issue with their customer service and online banking technical functions. They have resolved my month long dispute with Apmex (a super shady merchant with 1.5 stars) with in 2 days. When I did finally locate and call the right number - the gentlemen at US Bank was courteous, empathetic and very responsive to the issue at hand. In light of the issues other people experienced with US Bank, I feel compelled to write a fair review of my positive experience.