US Bank, scam, ripoff Napa California

"I'm sure he's got bigger fish to fry (thank you very much, Dubya). "

I know this has nothing to do with the thread but I wanted to point out that the economy didn't start to go down the toilet until the democrats got control of both houses of congress in 2006, and things sure seem to be getting worse with Barack "big spender" Obama in office. Congress has much more power over what happens to the economy than the president. I'm far from the president of Bush's fan club (e.g. Iraq war fiasco), but I wanted to make that clarification. Also, allowing the banks free reign to milk the customers IS mostly the republican's fault, as they are obsessed with lessening government oversight of business, leading to the laughably unregulated banking and credit card industries. Also, apparently both parties think throwing money at the banks will change things.

"Response: Chris, you are really reaching now. Do you think that you caught us making opposing statements? Read what I wrote VERY carefully. I'll even spell this out for you:"

The OP wrote this:

''IN EVERY OTHER CASE WITH BANKS, your 'credits' are posted BEFORE your 'debits'. So, you think everything will be o.k. because you played by the rules.''

I apologize, I misunderstood what you meant. That happens. However, isn't it interesting that other banks posts credits before debits but US Bank does not. Why is that? Is it for our benefit somehow?

"He was referring to US Bank. We weren't. How are we supposed to take you seriously when your reading comprehension is off?"

No need to get offensive, it was a simple misunderstanding. As you know, that can happen in these posts.

"are in no position to talk about name calling. You resorted to it yourself."

When did I call people names?

"Response: Chris, you are really reaching now. Do you think that you caught us making opposing statements? Read what I wrote VERY carefully. I'll even spell this out for you:"

The OP wrote this:

''IN EVERY OTHER CASE WITH BANKS, your 'credits' are posted BEFORE your 'debits'. So, you think everything will be o.k. because you played by the rules.''

I apologize, I misunderstood what you meant. That happens. However, isn't it interesting that other banks posts credits before debits but US Bank does not. Why is that? Is it for our benefit somehow?

"He was referring to US Bank. We weren't. How are we supposed to take you seriously when your reading comprehension is off?"

No need to get offensive, it was a simple misunderstanding. As you know, that can happen in these posts.

"are in no position to talk about name calling. You resorted to it yourself."

When did I call people names?

"Response: Chris, you are really reaching now. Do you think that you caught us making opposing statements? Read what I wrote VERY carefully. I'll even spell this out for you:"

The OP wrote this:

''IN EVERY OTHER CASE WITH BANKS, your 'credits' are posted BEFORE your 'debits'. So, you think everything will be o.k. because you played by the rules.''

I apologize, I misunderstood what you meant. That happens. However, isn't it interesting that other banks posts credits before debits but US Bank does not. Why is that? Is it for our benefit somehow?

"He was referring to US Bank. We weren't. How are we supposed to take you seriously when your reading comprehension is off?"

No need to get offensive, it was a simple misunderstanding. As you know, that can happen in these posts.

"are in no position to talk about name calling. You resorted to it yourself."

When did I call people names?

"Response: Chris, you are really reaching now. Do you think that you caught us making opposing statements? Read what I wrote VERY carefully. I'll even spell this out for you:"

The OP wrote this:

''IN EVERY OTHER CASE WITH BANKS, your 'credits' are posted BEFORE your 'debits'. So, you think everything will be o.k. because you played by the rules.''

I apologize, I misunderstood what you meant. That happens. However, isn't it interesting that other banks posts credits before debits but US Bank does not. Why is that? Is it for our benefit somehow?

"He was referring to US Bank. We weren't. How are we supposed to take you seriously when your reading comprehension is off?"

No need to get offensive, it was a simple misunderstanding. As you know, that can happen in these posts.

"are in no position to talk about name calling. You resorted to it yourself."

When did I call people names?

Went to the bank today in Ohio and they been doing this very samething to me for months now. Today found out they really gave me a screwing. I'm closing my account and going somewhere else.

They locked me out of my own account even so I can't see "what they keep charging me for".
I'm reporting them to the state and the BBB and I just refuse to ever have anything to do with them again. Being military I will go with USAA never again will I deal with a bank like this.

Not only did they lock me out of my own online account but changed my debit card pin number and on top of that my card is no longer any good.
After reading all over the net what people are saying about US Bank!
I had this coming next time I will research a bank better before every allowing them to touch my money.

I will tell everyone I know never to bank with them!

People, let's get one thing straight here. Obama is not going to refund your overdraft fees. I'm sure he's got bigger fish to fry (thank you very much, Dubya). That and you, as a customer, agreed to all terms of the account when you signed the initial documentation. (This is basic contract law.) If you didn't like the fee schedule, you shouldn't have put your name on the dotted line. If you didn't like the funds availability policy, you shouldn't have put your name on the dotted line. If you didn't like their cut-off point for deposits, you shouldn't have put your name on the dotted line. Ok, I think I've made my point.

There's no sense in whining on ROR about USB policies. You agreed to them. As my mom used to say, "you made your bed, now you sleep in it."

Chris wrote:

"So which is it? The two of you seem to think of yourselves as experts but can't even agree on how the bank operates, so how are we supposed to take you seriously?"

Response: Chris, you are really reaching now. Do you think that you caught us making opposing statements? Read what I wrote VERY carefully. I'll even spell this out for you:

The OP wrote this:

"'IN EVERY OTHER CASE WITH BANKS, your 'credits' are posted BEFORE your 'debits'. So, you think everything will be o.k. because you played by the rules.'"

The OP was not referring to US Bank in the first sentence. Do you see that?

My response was this:

"Actually, that's not true. Virtually every major bank that I can think of processes debits before credits."

Neither one of us mentioned US Bank.

Then "I Am The Law" wrote this:

"USB does post credits before debits. Check your statement or online for proof. If you have a link to show otherwise, I'd love to see it."

He was referring to US Bank. We weren't. How are we supposed to take you seriously when your reading comprehension is off?

Chris wrote:

"Actually, if you go look at most of the posts the name calling comes not from the complainers, but from the US Bank defenders (i.e. people like you) so that statement was hypocrisy at its finest."

Response: You are in no position to talk about name calling. You resorted to it yourself.

"Edgeman" says:

"Actually, that's not true. Virtually every major bank that I can think of processes debits before credits."

And "I am the law" says:

"USB does post credits before debits. Check your statement or online for proof. If you have a link to show otherwise, I'd love to see it."

So which is it? The two of you seem to think of yourselves as experts but can't even agree on how the bank operates, so how are we supposed to take you seriously?

"Robert" says:

"Ah yes when you realize you are wrong you resort to what other people in your situation do..call people names."

Actually, if you go look at most of the posts the name calling comes not from the complainers, but from the US Bank defenders (i.e. people like you) so that statement was hypocrisy at its finest.

"Edgeman" says:

"Actually, that's not true. Virtually every major bank that I can think of processes debits before credits."

And "I am the law" says:

"USB does post credits before debits. Check your statement or online for proof. If you have a link to show otherwise, I'd love to see it."

So which is it? The two of you seem to think of yourselves as experts but can't even agree on how the bank operates, so how are we supposed to take you seriously?

"Robert" says:

"Ah yes when you realize you are wrong you resort to what other people in your situation do..call people names."

Actually, if you go look at most of the posts the name calling comes not from the complainers, but from the US Bank defenders (i.e. people like you) so that statement was hypocrisy at its finest.

"Edgeman" says:

"Actually, that's not true. Virtually every major bank that I can think of processes debits before credits."

And "I am the law" says:

"USB does post credits before debits. Check your statement or online for proof. If you have a link to show otherwise, I'd love to see it."

So which is it? The two of you seem to think of yourselves as experts but can't even agree on how the bank operates, so how are we supposed to take you seriously?

"Robert" says:

"Ah yes when you realize you are wrong you resort to what other people in your situation do..call people names."

Actually, if you go look at most of the posts the name calling comes not from the complainers, but from the US Bank defenders (i.e. people like you) so that statement was hypocrisy at its finest.

"Edgeman" says:

"Actually, that's not true. Virtually every major bank that I can think of processes debits before credits."

And "I am the law" says:

"USB does post credits before debits. Check your statement or online for proof. If you have a link to show otherwise, I'd love to see it."

So which is it? The two of you seem to think of yourselves as experts but can't even agree on how the bank operates, so how are we supposed to take you seriously?

"Robert" says:

"Ah yes when you realize you are wrong you resort to what other people in your situation do..call people names."

Actually, if you go look at most of the posts the name calling comes not from the complainers, but from the US Bank defenders (i.e. people like you) so that statement was hypocrisy at its finest.

Ah yes when you realize you are wrong you resort to what other people in your situation do..call people names. The fact is you wrote a check to someone before your deposit would have cleared. Deny or spin it all you want, the purpose of this was to try and "float" the funds until your deposit cleared. As you found out you can not do this. The days of "floating" are gone.

It is really a simple concept. Don't write a check or use your debit card if you don't have the money available in your account AT THAT TIME. If you do this then you won't overdraft and they don't get their fees.

If you really think Obama is going to help you, why not give him a call personally. I am sure he would take your call since he has you convinced that he is "looking deeply into financial frauds"

If you are sure that they are the only bank that does this then go to another bank. Ask them their policies(be sure to get it in writing), if they have policies more to your satisfaction then open up your account there. If more people do this they may change their policy. However, keep this in mind that a majority of people DO NOT overdraft their account.

Oh and before you accuse me of working for US Bank, I do not work for or have ever worked for any bank.

Some who post rebuttals here and also work for US bank just don't have the mental resources to understand the complaints. Others, are simply trying to mislead people. Or both. The people who read this can decide for themselves.

First of all, US Bank NEVER disclosed their "policy" of "Russian Roulette Posting" (maybe debits first, maybe not) when I opened my account. They knew they would get me sooner or later, even though I HAD SUFFICIENT FUNDS TO COVER MY DEBITS !

I go over this again for you, to try and help you understand it :

The check I wrote and the deposit I made were BOTH SUBMITTED TO CENTRAL CLEARING THE SAME DAY. (night actually, this occurs around midnight).

My internet record for these transactions showed a POSITIVE BALANCE the next day. But, because the crooks "debited" first, then "credited", they were able to legally steal an overdraft charge from me.

When I complained to US Bank about it, they gave me some mumbo-jumbo about a "queue" and that it's "unpredictable" as to whether the credits post first !

So John, no ... I am not a "thief" (as you put it).

But you may well be a "lame brain".

Good luck with your career at US Bank ! Sooner or later they will sc*** you just like they do their customers !

CONSUMER ALERT : BEEN ROBBED BY US BANK ? Go to (((Redacted))) You will not BELIEVE the number of entries against these crooks !

"WE THE PEOPLE", SHALL OVERCOME ! (sooner or later) Thank God we have Obama, who is looking deeply into financial frauds.

CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.

when you knew there was no money in the account to cover it or you wouldn't have to worry about it hitting before the deposit. That makes you are the thief.
You can't play the float game anymore.
It certainly doesn't take an employee to figure that out.

Obviously, one of U.S. Bank's employees makes all these unfounded "Consumer Comments". As for the one you made on my complaint : It is absolutely untrue that "banks hold checks for a few days". US BANK tole me that they WOULD NOT DO THAT after 30 days . You are deliberately missing the point. THEY ARE POSTING DEBITS BEFORE CREDITS. I know you understand what I mean. That can only mean YOU are a crook, JUST LIKE THEM. How much do you get paid to do this ? You should be ASHAMED of yourself, being their "h*o". Quit posting your Pollyanna attempts to hide the TRUTH. People see through your game, dude !

So they can get the payment from the other bank first.

In most cases they do release the funds before the check clears, however it usually takes 2 - 3 days to get that release. the larger check the longer it takes to get the funds released. I have had to wait for 3 weeks to get access to funds from some 5 figure checks that I deposited and those checks came from another bank that I had trust accounts with not a business or individual.

YOU CANNOT FLOAT CHECKS ANYMORE! used to be you could write a check and it not get debited from your account for at least 5 days. NOW IT IS CAN BE DEBITED THE SAME DAY!

STOP WRITING CHECKS THAT YOU DO NOT HAVE MONEY IN THE ACCOUNT TO COVER AND ALLOW 2- 3 DAYS FOR A DEPOSITED CHECKS TO BE RELEASED BY THE BANK!

So they can get the payment from the other bank first.

In most cases they do release the funds before the check clears, however it usually takes 2 - 3 days to get that release. the larger check the longer it takes to get the funds released. I have had to wait for 3 weeks to get access to funds from some 5 figure checks that I deposited and those checks came from another bank that I had trust accounts with not a business or individual.

YOU CANNOT FLOAT CHECKS ANYMORE! used to be you could write a check and it not get debited from your account for at least 5 days. NOW IT IS CAN BE DEBITED THE SAME DAY!

STOP WRITING CHECKS THAT YOU DO NOT HAVE MONEY IN THE ACCOUNT TO COVER AND ALLOW 2- 3 DAYS FOR A DEPOSITED CHECKS TO BE RELEASED BY THE BANK!

So they can get the payment from the other bank first.

In most cases they do release the funds before the check clears, however it usually takes 2 - 3 days to get that release. the larger check the longer it takes to get the funds released. I have had to wait for 3 weeks to get access to funds from some 5 figure checks that I deposited and those checks came from another bank that I had trust accounts with not a business or individual.

YOU CANNOT FLOAT CHECKS ANYMORE! used to be you could write a check and it not get debited from your account for at least 5 days. NOW IT IS CAN BE DEBITED THE SAME DAY!

STOP WRITING CHECKS THAT YOU DO NOT HAVE MONEY IN THE ACCOUNT TO COVER AND ALLOW 2- 3 DAYS FOR A DEPOSITED CHECKS TO BE RELEASED BY THE BANK!

So they can get the payment from the other bank first.

In most cases they do release the funds before the check clears, however it usually takes 2 - 3 days to get that release. the larger check the longer it takes to get the funds released. I have had to wait for 3 weeks to get access to funds from some 5 figure checks that I deposited and those checks came from another bank that I had trust accounts with not a business or individual.

YOU CANNOT FLOAT CHECKS ANYMORE! used to be you could write a check and it not get debited from your account for at least 5 days. NOW IT IS CAN BE DEBITED THE SAME DAY!

STOP WRITING CHECKS THAT YOU DO NOT HAVE MONEY IN THE ACCOUNT TO COVER AND ALLOW 2- 3 DAYS FOR A DEPOSITED CHECKS TO BE RELEASED BY THE BANK!

USB does post credits before debits. Check your statement or online for proof. If you have a link to show otherwise, I'd love to see it.

"IN EVERY OTHER CASE WITH BANKS, your "credits" are posted BEFORE your "debits". So, you think everything will be o.k. because you played by the rules."

Actually, that's not true. Virtually every major bank that I can think of processes debits before credits.


"Then, someone posts a check you wrote to them, the same day. Not at the bank, they run it through theirs."

Blame Congress and their Check 21 legislation.


"NOT TRUE. Instead, US Bank posts your DEBITS FIRST, and then bounces the check ! This is an unbelievable ripoff, and no other "normal" bank does this."

Actually, pretty much all banks do this. Fortunately, there is a way to avoid being charged overdraft fees (see below).


"It's a scam to hit the little guys. Most people do not know how banking works, and these crooks take advantage of that. DO NOT DO BUSINESS WITH THESE CROOKS !"

No, it's not. This happened because you wrote a check without having available funds in your account to cover it. Then you attempted to make a deposit before the check is presented and you didn't quite make it.

In the future, do not write any checks until the funds are deposited and available in your account. You cannot float checks in this day and age.