US Bank's phone centers are impotent. Calling US Bank to resolve issues is pointless as the phone centers are incapable of doing anything. I was ripped off by US Bank on three different occasions, in a 3 strikes your out situation, I have ceased all business with them, and now advocate everybody I know to leave them. US Bank will hold, even a paycheck advance for, in my case, 4 days, and also held a paycheck for 2 days! My account showed the advance, but later arguing with the customer service, they outright lied, and the funny part was that their lie was completely improbably, they claimed I took the advance out the day I was calling, at a time in the future! It was quite funny to watch customer service attempt to justify their outright lies to me, but infuriating at the same time. If you make a deposit at us bank, you better give them about half a month before being able to get it back.
I was required to work with the Bank Manager at the branch I opened my account with, who was just as horrible of a person, he became belligerent and threatening on the phone when I called to address issues regarding my account, and nobody else was able to help me, even after that branch manager hung up on me on several occasions, and I ended up calling their corporate office to complain.
All in all, I was charged approximately 625 dollars in false overdraft charges, and was only refunded about 300 of it, as they were continuing to charge me overdraft charges and late fees while they were "processing the return."
I was a valued customer for 2 years. I reported them to the BBB, and they refused to acknowledge any wrongdoing, and outright lied saying that I had a history of overdrafts, when I had NEVER overdrafted. Their phone centers exist solely to tell customers to beat it, and in order to talk to anybody, you have to talk to a manager and leave a message, who will NOT return your phone call.
The only way to get any sort of communication with this company is to call US Bancorp directly, and speak to the Communications Manager, who was actually reasonably pleasant, but seems only interested in defending the company from legal action, and does not act in the interest of resolving the issues.
US Bank sort debits from highest to lowest in order to maximize their overdraft charges, and NOT because they "Believe your Rent is more important than your McDonalds" as the customer service agent attempted to argue. Research online has convinced me that US Bank holds deposits in order to collect the interest on them in the time between transactions, and I have no respect for this companies business practices.