There is probably a lot more to this report than you are saying. Based on some of your comments here I would be willing to bet that that $350 was from Overdraft fees and not the fact that you had a "returned" statement. It also seems like this is less of a RipOff, and more of you wanting the bank to read your mind, and babysit your account. Instead of you taking more responsibility for your own account(s).
The two accounts are linked and my new address is on the second account.
- Why was your new address only on the second account? Why didn't you have a forwarding address on-file with the Post Office? How was US Bank(or any bank for that matter) supposed to know that you wanted both accounts to go to the same address. It is very common to have multiple accounts going to different addresses. In fact if they did automatically change the address, and you didn't want it changed you would then actually have a valid complaint.
Also, I do my banking inside the grocery store, the girls at that branch know me, whether Im banking or just shopping they say hello to me by name. Once again nobody ever warned me of a problem.
- You seriously expect these people to know you well enough that they are keeping track of your account. I am sure that they have nothing better to do than check up on everyone that they "know" and keep that in their mind if they happen to see that person. As with the change of address, I think if they were actually doing that you would be a bit upset that they are looking at your finances.