Us Bank US bank should be put out of business, they are thieves!!! Ripoff Nationwide

Tom wrote: "The truth is real people have real problems and this financial institution, and yes probably more like them prey on peoples problems and mistakes. Living paycheck to paycheck is a reality for many people, just getting through the daily pressures of raising kids, paying bills, and jobs that pay less, and require more is overwhelming."

Response: Join the club. The majority of people with checking accounts do not pay overdraft fees and yet they have the same pressures that you just described.

Tom wrote: "Few people have the time to set around, like Robert, and 'I am the Law', (who in the world calls themselves that), and carefully review the proper way to handle a checking or debit card. Most of do not want, nor should we be required to hire an attorney to handle our checking accounts. This is not how it was or how it should be."

Response: It only takes a few moments to use a pen or a pencil to make a notation in a check register or ledger. I take a few moments longer since I use a calculator. Reading up on how your bank processes transactions can be done in fifteen minutes to half an hour and I'd say that the results are worth it. No attorney needed to manage a checking account.

Tom wrote: "USBank charges the $37.50 even when they know funds are available, this is timing, this is wrong, unethical, and it should be illegal. Truth is it once was, but banks have lobbyist, and they have become more important to our elected officials than we are..."

Response: Most banks charge an overdraft fee around that level. Some are even higher. Were your transactions made before funds were available?

Tom wrote: "The truth is real people have real problems and this financial institution, and yes probably more like them prey on peoples problems and mistakes. Living paycheck to paycheck is a reality for many people, just getting through the daily pressures of raising kids, paying bills, and jobs that pay less, and require more is overwhelming."

Response: Join the club. The majority of people with checking accounts do not pay overdraft fees and yet they have the same pressures that you just described.

Tom wrote: "Few people have the time to set around, like Robert, and 'I am the Law', (who in the world calls themselves that), and carefully review the proper way to handle a checking or debit card. Most of do not want, nor should we be required to hire an attorney to handle our checking accounts. This is not how it was or how it should be."

Response: It only takes a few moments to use a pen or a pencil to make a notation in a check register or ledger. I take a few moments longer since I use a calculator. Reading up on how your bank processes transactions can be done in fifteen minutes to half an hour and I'd say that the results are worth it. No attorney needed to manage a checking account.

Tom wrote: "USBank charges the $37.50 even when they know funds are available, this is timing, this is wrong, unethical, and it should be illegal. Truth is it once was, but banks have lobbyist, and they have become more important to our elected officials than we are..."

Response: Most banks charge an overdraft fee around that level. Some are even higher. Were your transactions made before funds were available?

Tom wrote: "The truth is real people have real problems and this financial institution, and yes probably more like them prey on peoples problems and mistakes. Living paycheck to paycheck is a reality for many people, just getting through the daily pressures of raising kids, paying bills, and jobs that pay less, and require more is overwhelming."

Response: Join the club. The majority of people with checking accounts do not pay overdraft fees and yet they have the same pressures that you just described.

Tom wrote: "Few people have the time to set around, like Robert, and 'I am the Law', (who in the world calls themselves that), and carefully review the proper way to handle a checking or debit card. Most of do not want, nor should we be required to hire an attorney to handle our checking accounts. This is not how it was or how it should be."

Response: It only takes a few moments to use a pen or a pencil to make a notation in a check register or ledger. I take a few moments longer since I use a calculator. Reading up on how your bank processes transactions can be done in fifteen minutes to half an hour and I'd say that the results are worth it. No attorney needed to manage a checking account.

Tom wrote: "USBank charges the $37.50 even when they know funds are available, this is timing, this is wrong, unethical, and it should be illegal. Truth is it once was, but banks have lobbyist, and they have become more important to our elected officials than we are..."

Response: Most banks charge an overdraft fee around that level. Some are even higher. Were your transactions made before funds were available?

Michelle you are right on! My views have changed, and I am ashamed to think that at one time in my life, I would have agreed with Robert. How shallow, foolish, and totally nonsensical I must have sounded at times.

The truth is real people have real problems and this financial institution, and yes probably more like them prey on peoples problems and mistakes. Living paycheck to paycheck is a reality for many people, just getting through the daily pressures of raising kids, paying bills, and jobs that pay less, and require more is overwhelming. Few people have the time to set around, like Robert, and 'I am the Law', (who in the world calls themselves that), and carefully review the proper way to handle a checking or debit card. Most of do not want, nor should we be required to hire an attorney to handle our checking accounts. This is not how it was or how it should be.

Robert and Mr. I am the Law. Who are you kidding you have responded to all of the USBank complaints, are you just bored? What motivates you to carefully review the content, and then dredge up some kind of righteous indignation about people not being able to do math? What is the motivation here, and no wonder it is questioned?

USBank charges the $37.50 even when they know funds are available, this is timing, this is wrong, unethical, and it should be illegal. Truth is it once was, but banks have lobbyist, and they have become more important to our elected officials than we are...

They're not great and they don't stink. They don't rip people off unless the account holder allows it to happen. The OP allowed it to happen and it's why he complains. He wants the bank to do his work for him. I guarantee you this: he could pay the bank OD fees and it would be cheaper than paying an accountant. On the other hand, if he did it himself, he would pay nobody.

All banks operate in an identical manner. All one has to do is look up any bank on this site, and you'll see the same complaints from the same incompetent account holders. All for the same or similar reasons.

Amazing.

Absolutely amazing.

It's mind-boggling to look at this website and see the 360 reports about people who don't pocess basic math skills. Is it any wonder why America isn't #1 anymore?

People, let's get a few things straight here.

1. First off, I don't work for USB, so save your "he's a hired USB stooge" blogs.

2. NEVER, EVER, EVER, EVER, EVER, EVER, EVER, EVER go by the account balance. Do yourself a favor and pretend like that figure isn't even on the USB website. ALWAYS, ALWAYS, ALWAYS, ALWAYS go by the available balance. This figure will confirm that your deposit is available and also take into account any debit card transactions. However, it doesn't take into account things like paper checks and auto deductions. (How could it? USB doesn't know you have an upcoming auto debit or a paper check out there until it's actually cashed.) The account balance is merely a figure showing money physically sitting in your account. It doesn't show uncleared funds or money waiting to be taken by a merchant you used your debit card at. Again, pretend that the account balance figure isn't even there.

3. Anyone with the brain of a stale Pop Tart should realize that the posting order of transactions is to your advantage. What nimrod would want debits taken before credits post? Quite simply, the debit could beat you to the bank that day. As for the "large debits taken before small debits" situation, I totally agree with the bank. Large debits are typically more important. (rent, mortgage payments, loan payments, etc. etc.) If your account is short money, wouldn't you rather have your mortgage payment considered first before a small check you wrote to, let's say, the guy who mows your lawn? Can taking large debits before small debits cause more overdraft fees? Yes, absolutely, but just for the mere fact that people typically have many more small debits than large ones. If you're short money, eventually the bank will start turning away requests for payment and I'd rather have my house than lawn service. Who wouldn't?
Another point you have to consider is that if you're short money in your account, whether the debit is honored or not, you're still getting a fee. If they honor it, it's an overdraft, if they turn it back to the merchant, it's a non-sufficient funds fee. Same dollar amount. At least with an overdraft fee (whether the debit is honored), you won't have to worry about getting a fee from the merchant, too.
This information aside, it's not even an issue if you keep a sufficient balance. In other words, don't spend what you don't have as an available balance.

4. USB offers several form of overdraft protection for a nominal fee. Most don't cost you any money unless they're activated. Personally, I have a small line of credit attached to my checking account. It's like .12 for every day and $100 I need to use. Quite a bargain.

5. USB has a plethora of ways you can check your balance. Phone, internet, ATM, going to a branch, and even e-mail and text alerts than can tell you when your balance is getting low. People, you can't use the "I didn't know what my balance was" excuse anymore. All but one of those resources are available 24 hours a day.

6. If USB was really "out to get you", I'm sure they would've gotten to me by now. I've had an account with them for eight years and never them paid a penny in fees.

So basically what I'm saying here is, if someone overdrafts their account, 99 times out of 100, it's the account holder's fault. The account holder signed a document when they opened the account stating they understood and agreed to the terms, including the fee schedule. Take responsibility for your actions, people. Quit blaming the bank and grow up.

Amazing.

Absolutely amazing.

It's mind-boggling to look at this website and see the 360 reports about people who don't pocess basic math skills. Is it any wonder why America isn't #1 anymore?

People, let's get a few things straight here.

1. First off, I don't work for USB, so save your "he's a hired USB stooge" blogs.

2. NEVER, EVER, EVER, EVER, EVER, EVER, EVER, EVER go by the account balance. Do yourself a favor and pretend like that figure isn't even on the USB website. ALWAYS, ALWAYS, ALWAYS, ALWAYS go by the available balance. This figure will confirm that your deposit is available and also take into account any debit card transactions. However, it doesn't take into account things like paper checks and auto deductions. (How could it? USB doesn't know you have an upcoming auto debit or a paper check out there until it's actually cashed.) The account balance is merely a figure showing money physically sitting in your account. It doesn't show uncleared funds or money waiting to be taken by a merchant you used your debit card at. Again, pretend that the account balance figure isn't even there.

3. Anyone with the brain of a stale Pop Tart should realize that the posting order of transactions is to your advantage. What nimrod would want debits taken before credits post? Quite simply, the debit could beat you to the bank that day. As for the "large debits taken before small debits" situation, I totally agree with the bank. Large debits are typically more important. (rent, mortgage payments, loan payments, etc. etc.) If your account is short money, wouldn't you rather have your mortgage payment considered first before a small check you wrote to, let's say, the guy who mows your lawn? Can taking large debits before small debits cause more overdraft fees? Yes, absolutely, but just for the mere fact that people typically have many more small debits than large ones. If you're short money, eventually the bank will start turning away requests for payment and I'd rather have my house than lawn service. Who wouldn't?
Another point you have to consider is that if you're short money in your account, whether the debit is honored or not, you're still getting a fee. If they honor it, it's an overdraft, if they turn it back to the merchant, it's a non-sufficient funds fee. Same dollar amount. At least with an overdraft fee (whether the debit is honored), you won't have to worry about getting a fee from the merchant, too.
This information aside, it's not even an issue if you keep a sufficient balance. In other words, don't spend what you don't have as an available balance.

4. USB offers several form of overdraft protection for a nominal fee. Most don't cost you any money unless they're activated. Personally, I have a small line of credit attached to my checking account. It's like .12 for every day and $100 I need to use. Quite a bargain.

5. USB has a plethora of ways you can check your balance. Phone, internet, ATM, going to a branch, and even e-mail and text alerts than can tell you when your balance is getting low. People, you can't use the "I didn't know what my balance was" excuse anymore. All but one of those resources are available 24 hours a day.

6. If USB was really "out to get you", I'm sure they would've gotten to me by now. I've had an account with them for eight years and never them paid a penny in fees.

So basically what I'm saying here is, if someone overdrafts their account, 99 times out of 100, it's the account holder's fault. The account holder signed a document when they opened the account stating they understood and agreed to the terms, including the fee schedule. Take responsibility for your actions, people. Quit blaming the bank and grow up.

Amazing.

Absolutely amazing.

It's mind-boggling to look at this website and see the 360 reports about people who don't pocess basic math skills. Is it any wonder why America isn't #1 anymore?

People, let's get a few things straight here.

1. First off, I don't work for USB, so save your "he's a hired USB stooge" blogs.

2. NEVER, EVER, EVER, EVER, EVER, EVER, EVER, EVER go by the account balance. Do yourself a favor and pretend like that figure isn't even on the USB website. ALWAYS, ALWAYS, ALWAYS, ALWAYS go by the available balance. This figure will confirm that your deposit is available and also take into account any debit card transactions. However, it doesn't take into account things like paper checks and auto deductions. (How could it? USB doesn't know you have an upcoming auto debit or a paper check out there until it's actually cashed.) The account balance is merely a figure showing money physically sitting in your account. It doesn't show uncleared funds or money waiting to be taken by a merchant you used your debit card at. Again, pretend that the account balance figure isn't even there.

3. Anyone with the brain of a stale Pop Tart should realize that the posting order of transactions is to your advantage. What nimrod would want debits taken before credits post? Quite simply, the debit could beat you to the bank that day. As for the "large debits taken before small debits" situation, I totally agree with the bank. Large debits are typically more important. (rent, mortgage payments, loan payments, etc. etc.) If your account is short money, wouldn't you rather have your mortgage payment considered first before a small check you wrote to, let's say, the guy who mows your lawn? Can taking large debits before small debits cause more overdraft fees? Yes, absolutely, but just for the mere fact that people typically have many more small debits than large ones. If you're short money, eventually the bank will start turning away requests for payment and I'd rather have my house than lawn service. Who wouldn't?
Another point you have to consider is that if you're short money in your account, whether the debit is honored or not, you're still getting a fee. If they honor it, it's an overdraft, if they turn it back to the merchant, it's a non-sufficient funds fee. Same dollar amount. At least with an overdraft fee (whether the debit is honored), you won't have to worry about getting a fee from the merchant, too.
This information aside, it's not even an issue if you keep a sufficient balance. In other words, don't spend what you don't have as an available balance.

4. USB offers several form of overdraft protection for a nominal fee. Most don't cost you any money unless they're activated. Personally, I have a small line of credit attached to my checking account. It's like .12 for every day and $100 I need to use. Quite a bargain.

5. USB has a plethora of ways you can check your balance. Phone, internet, ATM, going to a branch, and even e-mail and text alerts than can tell you when your balance is getting low. People, you can't use the "I didn't know what my balance was" excuse anymore. All but one of those resources are available 24 hours a day.

6. If USB was really "out to get you", I'm sure they would've gotten to me by now. I've had an account with them for eight years and never them paid a penny in fees.

So basically what I'm saying here is, if someone overdrafts their account, 99 times out of 100, it's the account holder's fault. The account holder signed a document when they opened the account stating they understood and agreed to the terms, including the fee schedule. Take responsibility for your actions, people. Quit blaming the bank and grow up.

Amazing.

Absolutely amazing.

It's mind-boggling to look at this website and see the 360 reports about people who don't pocess basic math skills. Is it any wonder why America isn't #1 anymore?

People, let's get a few things straight here.

1. First off, I don't work for USB, so save your "he's a hired USB stooge" blogs.

2. NEVER, EVER, EVER, EVER, EVER, EVER, EVER, EVER go by the account balance. Do yourself a favor and pretend like that figure isn't even on the USB website. ALWAYS, ALWAYS, ALWAYS, ALWAYS go by the available balance. This figure will confirm that your deposit is available and also take into account any debit card transactions. However, it doesn't take into account things like paper checks and auto deductions. (How could it? USB doesn't know you have an upcoming auto debit or a paper check out there until it's actually cashed.) The account balance is merely a figure showing money physically sitting in your account. It doesn't show uncleared funds or money waiting to be taken by a merchant you used your debit card at. Again, pretend that the account balance figure isn't even there.

3. Anyone with the brain of a stale Pop Tart should realize that the posting order of transactions is to your advantage. What nimrod would want debits taken before credits post? Quite simply, the debit could beat you to the bank that day. As for the "large debits taken before small debits" situation, I totally agree with the bank. Large debits are typically more important. (rent, mortgage payments, loan payments, etc. etc.) If your account is short money, wouldn't you rather have your mortgage payment considered first before a small check you wrote to, let's say, the guy who mows your lawn? Can taking large debits before small debits cause more overdraft fees? Yes, absolutely, but just for the mere fact that people typically have many more small debits than large ones. If you're short money, eventually the bank will start turning away requests for payment and I'd rather have my house than lawn service. Who wouldn't?
Another point you have to consider is that if you're short money in your account, whether the debit is honored or not, you're still getting a fee. If they honor it, it's an overdraft, if they turn it back to the merchant, it's a non-sufficient funds fee. Same dollar amount. At least with an overdraft fee (whether the debit is honored), you won't have to worry about getting a fee from the merchant, too.
This information aside, it's not even an issue if you keep a sufficient balance. In other words, don't spend what you don't have as an available balance.

4. USB offers several form of overdraft protection for a nominal fee. Most don't cost you any money unless they're activated. Personally, I have a small line of credit attached to my checking account. It's like .12 for every day and $100 I need to use. Quite a bargain.

5. USB has a plethora of ways you can check your balance. Phone, internet, ATM, going to a branch, and even e-mail and text alerts than can tell you when your balance is getting low. People, you can't use the "I didn't know what my balance was" excuse anymore. All but one of those resources are available 24 hours a day.

6. If USB was really "out to get you", I'm sure they would've gotten to me by now. I've had an account with them for eight years and never them paid a penny in fees.

So basically what I'm saying here is, if someone overdrafts their account, 99 times out of 100, it's the account holder's fault. The account holder signed a document when they opened the account stating they understood and agreed to the terms, including the fee schedule. Take responsibility for your actions, people. Quit blaming the bank and grow up.

there is a simple solution that US Bank , and most banks, offer to avoid od fees. It is called an overdraft protection account. If you open one and link it to your checking account, you dont have to pay exorbitant fees. Just interest, or maybe a $5 or $10 transfer fee. That is it. Banks take advantage of the financially stupid. If you cant get an overdraft account due to poor credit, then you need to think seriously about not having a checking account, just a savings. Otherwise you will go broke paying od fees. Just a word to the wise.

Simple...Since ALL banks operate exactly the same way, the point of reference is there. NFCU operate under a different rule book, but they also operate exactly the same as every other credit Union.

How would you know though? How do you know all banks operate the same way if you've never been a member of the banks you're talking about?

Ethics has nothing to do with this. If you were an investor in that bank, you would not be complaining.

Ethics has everything to do with it. If I'm an investor, that would be great for me, but that doesn't mean that the bank isn't screwing people over. That's unethical.

As they say...It's business, nothing personal

It's still unethical.

It sure does. I actually went to Government schools K-12. Of course, when I went, the teachers had the nerve to TEACH! Now, they try to play Social Worker. The vast majority are more concerned with the child's self-esteem, than with test scores. They also spend their remaining time teaching the test, instead of the subject. As for my people skills, I must be doing something right. I have plenty of friends. I also made a hell of a living turning wrenches, and you cannot do that without people trusting you.

Well, I have to admit, I can't argue with you there. The school system is broken.

Now I know why my rich family members refuse to have anything to do with this bank. I have had nothing but problems from the tme I opened the account I had with them. They were holding my incoming deposits so things with overdraft it was a mess.
I cought them red handed and have it all on paper! I was warned but they are near by me and I really needed a bank. I am going to bank out of the country for now on. I am done with banks that do buisness in the United States.

Banks need to be regulated and more laws need to be passed to protect your everyday working person out here from fraud. When your own bank cheats you out of money and you can't do anything about it that's just wrong!

But you can do something about it do what other like myself are doing refuse to bank any more in the US. I will have one account here for bills but my daving is going else where.

Now I know why my rich family members refuse to have anything to do with this bank. I have had nothing but problems from the tme I opened the account I had with them. They were holding my incoming deposits so things with overdraft it was a mess.
I cought them red handed and have it all on paper! I was warned but they are near by me and I really needed a bank. I am going to bank out of the country for now on. I am done with banks that do buisness in the United States.

Banks need to be regulated and more laws need to be passed to protect your everyday working person out here from fraud. When your own bank cheats you out of money and you can't do anything about it that's just wrong!

But you can do something about it do what other like myself are doing refuse to bank any more in the US. I will have one account here for bills but my daving is going else where.

Now I know why my rich family members refuse to have anything to do with this bank. I have had nothing but problems from the tme I opened the account I had with them. They were holding my incoming deposits so things with overdraft it was a mess.
I cought them red handed and have it all on paper! I was warned but they are near by me and I really needed a bank. I am going to bank out of the country for now on. I am done with banks that do buisness in the United States.

Banks need to be regulated and more laws need to be passed to protect your everyday working person out here from fraud. When your own bank cheats you out of money and you can't do anything about it that's just wrong!

But you can do something about it do what other like myself are doing refuse to bank any more in the US. I will have one account here for bills but my daving is going else where.

Now I know why my rich family members refuse to have anything to do with this bank. I have had nothing but problems from the tme I opened the account I had with them. They were holding my incoming deposits so things with overdraft it was a mess.
I cought them red handed and have it all on paper! I was warned but they are near by me and I really needed a bank. I am going to bank out of the country for now on. I am done with banks that do buisness in the United States.

Banks need to be regulated and more laws need to be passed to protect your everyday working person out here from fraud. When your own bank cheats you out of money and you can't do anything about it that's just wrong!

But you can do something about it do what other like myself are doing refuse to bank any more in the US. I will have one account here for bills but my daving is going else where.

I use BoA(business) and NFCU(personal), not USBank."

If you don't use US Bank, why are you even posting about it? You have no frame of reference.

--Simple...Since ALL banks operate exactly the same way, the point of reference is there. NFCU operate under a different rule book, but they also operate exactly the same as every other credit Union.

They care about how THEY look at things. The funny part is, all banks look at it one way, the way the FEDS say they need to look at things.

This is an incorrect statement. I've been a member of 7 different banks and US Bank is the only one that has acted unethically so your logic doesn't make any sense. The federal government enforces their laws to prevent the banks from acting illegally, but they certainly don't force the banks to arrange debits from highest to lowest, etc.

--Ethics has nothing to do with this. If you were an investor in that bank, you would not be complaining.

They all follow Federal Banking Laws."

Legal does not equal ethical.

--As they say...It's business, nothing personal.

Home-schooling and private schools actually teach children"

Well that explains your people skills at least.

--It sure does. I actually went to Government schools K-12. Of course, when I went, the teachers had the nerve to TEACH! Now, they try to play Social Worker. The vast majority are more concerned with the child's self-esteem, than with test scores. They also spend their remaining time teaching the test, instead of the subject. As for my people skills, I must be doing something right. I have plenty of friends. I also made a hell of a living turning wrenches, and you cannot do that without people trusting you.

In your next rant, you try to explain yourself by making up stuff about your husband spending the money. That makes YOU look desperate for an excuse."

How could you possibly know if she's making things up" or not? Did that home schooling give you psychic powers?

--Try reading what she wrote. Her husband had the audacity to do just what she was doing(spending money they did not have), and she complains about him doing it. He bought gas. Silly Husband.

Yes, the Jerry Springer show is from Cincinnatti, and ALL of the 'guests' are from....you guessed it...OHIO!

Yeah, well I used to live in Florida and it's 10 times worse than Ohio. Especially Jacksonville. Yikes.

--No argument there. I got fed up with them too, and left. I learned my lesson in less than 4.5 years. As for being worse than Ohio, I don't see how. At least Florida has great weather. I also don't remember ever hearing anyone say they were going to Ohio for Spring Break, vacation, nor any other purpose that involved leisure.

I use BoA(business) and NFCU(personal), not USBank.

If you don't use US Bank, why are you even posting about it? You have no frame of reference.

They care about how THEY look at things. The funny part is, all banks look at it one way, the way the FEDS say they need to look at things.

This is an incorrect statement. I've been a member of 7 different banks and US Bank is the only one that has acted unethically so your logic doesn't make any sense. The federal government enforces their laws to prevent the banks from acting illegally, but they certainly don't force the banks to arrange debits from highest to lowest, etc.

They all follow Federal Banking Laws.

Legal does not equal ethical.

Home-schooling and private schools actually teach children

Well that explains your people skills at least.

In your next rant, you try to explain yourself by making up stuff about your husband spending the money. That makes YOU look desperate for an excuse.

How could you possibly know if she's making things up or not? Did that home schooling give you psychic powers?

Yes, the Jerry Springer show is from Cincinnatti, and ALL of the 'guests' are from....you guessed it...OHIO!

Yeah, well I used to live in Florida and it's 10 times worse than Ohio. Especially Jacksonville. Yikes.

So the bank is doing a favor when they pay the higher, and therefore most important, charges first? This is a true rip off. If they pay the higher charge they guarantee your account goes into negative and all other charges get NSF....thus they get more money.

Small charges which sit pending for days get processed only after a big charge shows up and is processed first. This is not right. If they would just sent back the blasted item it would cost less to pay the returned check fee for that one item than the NSF for a handful of tiny debits. Then there would be enough money in the account to pay the lesser debits.

They say they are doing us a favor by covering the charges so they do not get sent back to the original creditor, but they are only making sure the account can't handle the next charge that comes in. If they would send the item back, like they should, deduct the NSF fee, and leave the account alone the other transactions would clear. The banks know what they are doing, and they are not doing us any favors.

One contributor in another report described the US banking system as "diseased" it is the best descriptor imaginable. Whilst most people are clearly responsible for bringing banking woes on themselves due to "my mother in law cashing a check a week early", "forgetting my insurance is deducted on the 6th","drawing money off a check deposited in an ATM on a Sunday" the lengths the banks go to seperate as much money from them as possible is staggering. When debit cards came out they were touted as the solution to overdrawn accounts, which they did achieve, this was not good for banks seeing they make money from fees associated with bounced checks etc. So what they do now is let people make purchases with debit cards, proudly "APPROVING" fast food purchases, gas purchases etc and then hitting them with fees. If a debit card is an electronic check how can it permit debits against an account with insufficient funds? Is it not technology specifically designed to prevent such occurrences? Australian Visa debit cards, and standard debit cards will decline any purchase if you are going 1 cent over your account balance, therefore always keeping you in the black. If you attempt to withdraw cash from an atm machine for example $20 when you only have $19.95 a message comes up on the screen "Completing this transaction will overdraw your account, do you wish to continue?" if you push the yes button you are automatically assuming the OD fee, currently locked at $20, this also would effectively freeze your acocunt until money comes in, including debit purchases as well. The most you could owe would be whatever you overdrew along with $20 period. I guess I am just confused as to how technolgy designed to prevent problems is now actualy being used to specifically CAUSE them and bring in money. Yes a diseased system at best. The banks in Oz have tried to bring fees in but they were ruled illegal, even on some credit card fees.

Robert, you are totally right with everything you say. Except for one small detail. Jerry Springer IS from Ohio, BUT his show is TAPED in CHICAGO. Sorry.

I over draft my checking account on accident. I knew they would charge me a 34.00 dollor charge which was fine.. I have never been charged a 7 dollor a day fee for not having funds in the bank. Then As I was online cheching my statement after I just deposited 126.00 from my check today, I found out that I am still 50.00 over drawn. I looked and US BANK charges 10.50 aday for saturday and sunday. Now, I feel that it should be illegal to charge someone money like that if they deosit funds into the bank. They act like people can just afford all these charges. Does anyone know a lawyer who can sue these people. There service sucks... They wont let me close my account without charging me a fee cause I have not had it for 3 months yet.

Wealthy people know how to do math. That is why they don't pay for overdrafts. First you complain about banks posting checks high to low. Then you complain about them posting debits in the order they are actually recieved by the bank. Please tell us all, how would YOU like the banks to do the debits? Please give us all a "correct" way, in your brilliant opinion, how the banks should operate.

As for being an a*****e, maybe in your mind and the minds of those who wouldn't be alive today if dinosaurs still roamed freely. Some people really are just too stupid to survive on their own. To the people I associate with, I am just one of the guys. I am one of the guys who can do basic math and doesn't pay the banks diddly squat for the use of their facility. Keep writing those bouncers and using that checkcard without a clue. I need more free stuff from my bank.

Last 15 years my wife worked for a local credit union. When she started the place was wonderful. About a year ago, they started in on her, trying to get her to quit. 8 months of harassment did it. They were running off all their old timers, high salaried employees. Why should you have one, when you can get two newbies for the same price? The whole corporate mentality had changed from family friendly to a profit driven one. Now, they're even changing the names of their service centers to profit centers. After she left, she starting interviewing with different banks and credit unions. By the way she was interviewed, she could tell which corporations were customer based and which were profit driven. BoA was the most profit driven. They wanted to know how many of her customers she thought she could convince to jump to BoA from her last place of employment. Other aspects of her job would have been equally distastful. It's the corporate mentality of these banks/CU's to try and squeeze the last cent out of people if you allow them to do it.

For starters, Robert you are an a-hole. No one cares about your criticism or your negative opinions. Get your head out of your anus and stop trying to pick a fight with Michelle. People come here to vent and look for help not to have people take a slap at their credibility or competence. If you need a place to boost your ego this is not it.

Michelle, US Bank is probably by far the most crooked financial organization in the country. They are the world's eighth largest bank and they didn't get that big by being honest. Everyone can say what you want but one single mistake, slip up, or forgetful day can be devastating because of US Bank. I have been trying to play catch up with this bank for far to long but I finally did the smart thing and chose another bank.

For all of those non believers out there US Bank is really as crappy as people say. For one thing, and I have checked this out, US Bank has the highest over draft fees in the country. They currently charge $34 per over draft, subsequently they only charge $27 for a bounced check, and on top of that the very same day you overdraft you start receiving a $7 a day overdraft fee. In addition they wait two weeks before advising you that this is going on.

NOT ALL BANKS POST DEBITS HIGHEST TO LOWEST!!!!!!!!!! My current bank doesn't. They do so with checks but how in the hell would you know what time a check was received. Debits on the other hand are posted as they are received and to my utter amazement they happen to be in the order I made them. This is something that banks like US Bank do to earn more money. And let me make it clear banks such as this MAKE MORE PROFIT OFF OF THE POOR THAN THE WEALTHY.

US Bank also does something else that is meant to keep the poor poor. When I was nearing my breaking point with US Bank I asked them about putting a couple stop payments on some automatic withdrawals I was not prepared for. These three stop payments would have cost me $120!! $40 stop payments are another industry high for banks. I said okay well then can you freeze my account. They said sure but if anything hit my account it would be returned (causing a bounced check condition) and I would be charged an NSF fee even if the money was in there. At that point I gave up hope on US Bank. I could no longer submit myself to that kind of abuse.

In closing, when people complain about this bank it is pretty legit. Perhaps not always according to the "terms and conditions" but most definitely fundamentally and morally. Try not to just write people off as morons because they can't help but get screwed by crooked companies such as US Bank.

Yes, the Jerry Springer show is from Cincinnatti, and ALL of the "guests" are from....you guessed it...OHIO! That should give everyone on the planet a very real idea about the quality of life and the rich culture you will find in the Buckeye(it's a NUT) state. They also have a bank called Third Fifth. What the hell is that? It's 2 fractions. Unbelievable.

In your original rebuttal, you admit you went past the amaount you actually had in your account. That makes YOU look like an idiot. In your next rant, you try to explain yourself by making up stuff about your husband spending the money. That makes YOU look desperate for an excuse. The fact still remains...YOU spent more money than you had, and YOU KNEW IT! .Coming from a "Buckeye", I'll accept any of your insults with a grain of salt. No state I ever lived in, had a river catch fire, or used taxpayer money to try and force a law through allowing blind people to own firearms. I won't mention the PETA Chapter up there with the members dressing like deer(antlers and all)and running through the woods during hunting season. Yes everyone, several were shot. You people are just too funny.

Most banks offer overdraft protection by drawing from a linked savings account to cover the overdraft on the checking account. If all you have with them is a checking account and auto loan, it is no wonder they said you weren't qualified ... where did you expect the funds to come from?

Yes, Tammy, I am aware that banks offer lines of overdraft credit. I even asked US Bank to set me up with this a few years back. But guess what, while I was priviledged enough to have a checking account with them AND an auto loan, somehow I did't "qualify" for overdraft protection. What a SHOCKER! US BANK SUCKS, and I am in the process of closing my account with them.

Finally another voice of reason...a real person who lives in the real world!

I appreciate your post and I couldn't agree with you more.

God bless

Finally another voice of reason...a real person who lives in the real world!

I appreciate your post and I couldn't agree with you more.

God bless

Finally another voice of reason...a real person who lives in the real world!

I appreciate your post and I couldn't agree with you more.

God bless

Finally another voice of reason...a real person who lives in the real world!

I appreciate your post and I couldn't agree with you more.

God bless

Robert from Jacksonville, you are an IDIOT! I really don't like to call people names but in this circumstance I am making an exception. If you are not going to read the posts in their entirety then don't post a rebuttal. It makes you look like a moron.

I don't know about the rest of you but I have an overdraft line of credit attached to my checking account just in case I ever overdraw my account.

You should really call the bank and find out if that is something they offer for the just in cases. I too have a husband that spends without telling me and it is unfuriating.

I do all of my banking with a credit union and it is wonderful - I am a former customer of Fleet ( Bankboston Baybank ) they also offered the overdraft line of credit.

The simple solution is to maintain a check register listing your deposits and withdrawals at the time you process the transaction be it a check or debit transaction. Be diligent. You cannot take out more than you put in. BEWARE, failure to add and subtract correctly will be punished!!

Don't ever ask the bank for a balance. That number is useless. Your check register must be maintained and if you do get an overdraft charge, be sure to deduct it from your register.

You must take responsibility for your funds.

If someone "expects" to pay a NSF fee, then that same person KNOWS they are writing a bad check. Simple, straight line of logic there Michelle. Government(public) schools suck. Home-schooling and private schools actually teach children. If there are 2 people on the same account, then a little bit of communication is needed between the parties. I never expect to pay a fee, and I don't ever have to. I can do all types of "cyphering". Nought into nought equals?

If someone "expects" to pay a NSF fee, then that same person KNOWS they are writing a bad check. Simple, straight line of logic there Michelle. Government(public) schools suck. Home-schooling and private schools actually teach children. If there are 2 people on the same account, then a little bit of communication is needed between the parties. I never expect to pay a fee, and I don't ever have to. I can do all types of "cyphering". Nought into nought equals?

If someone "expects" to pay a NSF fee, then that same person KNOWS they are writing a bad check. Simple, straight line of logic there Michelle. Government(public) schools suck. Home-schooling and private schools actually teach children. If there are 2 people on the same account, then a little bit of communication is needed between the parties. I never expect to pay a fee, and I don't ever have to. I can do all types of "cyphering". Nought into nought equals?

If someone "expects" to pay a NSF fee, then that same person KNOWS they are writing a bad check. Simple, straight line of logic there Michelle. Government(public) schools suck. Home-schooling and private schools actually teach children. If there are 2 people on the same account, then a little bit of communication is needed between the parties. I never expect to pay a fee, and I don't ever have to. I can do all types of "cyphering". Nought into nought equals?

I have had the same experience with these large banks. You play their fee game or you lose in a big way. It's not about us spending more money than we have, everyone makes mistakes. I never, ever intentionally overdrafted an account, the large Banks find a way, any way possible to overdraft you if you come close to a zero balance including taking out debits that had previously posted, then mysteriously disappeared and then reappeared when your balance got low. I opened an account with a credit union about 1 1/2 years ago and have never had any of these problems. The balance I see is the balance I have, no games. In fact the reason I'm responding to this is that I made a mistake today that I overdrafted my account. Let me remind all the "perfects" this was my mistake and I take responsibility for the mistake and have no problem paying the OD charge. However, my credit union cleared three smaller items and posted the LARGEST ITEM LAST. Therefore, I'm only paying $30 instead of $120 that they could have slammed me with. I'm a single mother of two kids and life is busy and I lose track of things even though the perfect people that post on this website try to tell us all to keep up with our transactions. What is all their technology for (i.e. website, ATM available balance, etc. etc.) if it's not accurate and correct? I'm soooo thankful I now do business with an honest financial institution. PLEASE EVERYONE, STOP WHINING ABOUT THE BIG BANKS AND CLOSE YOUR ACCOUNT!!! Believe me, they will do everything in their power to stop you from closing the account, I've been there. Closing my accounts at these banks was a nightmare. We're not all fortunate enough to keep large balances in our checking accounts and why would we?? The interest rates suck. Shame, shame on them for taking advantage of working class America! It's all about their Shareholders, not their customers. Believe me, the proceeds are not going to these loyal employees that are posting their opinions telling us to balance our checkbooks and calling us idiots. Tellers make close to nothing in these institutions and I'm sorry for them. It's all about the shareholders. The faithful employees/customer service reps/tellers are brain washed suckers.

What is your deal with "government" schools? Were you not able to get into one?

And you need to type more slowly (not slooooowly).

And I certanly hope your not in a field where you deal with people on a regular basis... your line of reasoning and deductive skills are atrocious!

Peace :)

"I fully expected to pay one NSF fee for overdrawing my account ONE time". Where the hell in that sentance does it say I "intentionally" overdrew my account or that I "try to spend more money" than I have? It's back to the fundamentals of reading, people!
And I have to clarify that I'm not talking about "NSF" charges, I'm talking about "overdraft" charges. US bank knows it's going to my money because my checks are direct deposited, like clock work, and have been for the past 6 years I've had my account there. (It was First Star for the first 3 years.) I don't "bounce" anything...NEVER written a BAD CHECK in my life.
Juliet, my dear, not ALL banks pay from largest to smallest. Believe me, I now have my new account at one that cares more about doing it right than bilking millions out of its customers.
What you people with silver spoons in your mouths don't seem to consider is that paying one extra "overdraft" charge than necessary causes a s****.> You all can scream all you want about "terms and conditions"...wrong is wrong, whether it's written down or not. And my point is to let EVERYONE know how US BAnk operates.
Living paycheck to paycheck isn't a lifestyle I would recommend to anyone, but after taking out my small contribution to my 401K, pay insurance and taxes it takes every cent I have to take care of my three growing boys in the best way I know how...football, baseball, basketball,on and on and on. It doesn't make it any easier when you have two people using one account either. My husband is a slight knucklehead when it comes to money. I nag, beg and scream with all my might yet nothing seems to get through. But, I digress.
To Juliet, I have read many a "terms and conditions" over my last 18 years of banking but when US bank took over First Star, I was at the point where if you've read one you've read em' all. Yes, I had to learn the hard way...but if I can help it, people who struggle like I do won't have to pay out the nose to learn it. They will just stay as far away from US Bank (and other banks like them) as they possibly can.
And EXPECTING an overdraft charge, (now read carefully Bobby and Juliet) means getting a receipt from your husband at the end of the evening where he went and got $30 in gas at 10 pm (and paid inside) and then calculating some numbers to determine that that transaction takes me in the negative. Well I should expect that to cost me $400.00....let me just take some money from my trust fund and transfer it over. JEEZ.

"I fully expected to pay one NSF fee for overdrawing my account ONE time". Where the hell in that sentance does it say I "intentionally" overdrew my account or that I "try to spend more money" than I have? It's back to the fundamentals of reading, people!
And I have to clarify that I'm not talking about "NSF" charges, I'm talking about "overdraft" charges. US bank knows it's going to my money because my checks are direct deposited, like clock work, and have been for the past 6 years I've had my account there. (It was First Star for the first 3 years.) I don't "bounce" anything...NEVER written a BAD CHECK in my life.
Juliet, my dear, not ALL banks pay from largest to smallest. Believe me, I now have my new account at one that cares more about doing it right than bilking millions out of its customers.
What you people with silver spoons in your mouths don't seem to consider is that paying one extra "overdraft" charge than necessary causes a s****.> You all can scream all you want about "terms and conditions"...wrong is wrong, whether it's written down or not. And my point is to let EVERYONE know how US BAnk operates.
Living paycheck to paycheck isn't a lifestyle I would recommend to anyone, but after taking out my small contribution to my 401K, pay insurance and taxes it takes every cent I have to take care of my three growing boys in the best way I know how...football, baseball, basketball,on and on and on. It doesn't make it any easier when you have two people using one account either. My husband is a slight knucklehead when it comes to money. I nag, beg and scream with all my might yet nothing seems to get through. But, I digress.
To Juliet, I have read many a "terms and conditions" over my last 18 years of banking but when US bank took over First Star, I was at the point where if you've read one you've read em' all. Yes, I had to learn the hard way...but if I can help it, people who struggle like I do won't have to pay out the nose to learn it. They will just stay as far away from US Bank (and other banks like them) as they possibly can.
And EXPECTING an overdraft charge, (now read carefully Bobby and Juliet) means getting a receipt from your husband at the end of the evening where he went and got $30 in gas at 10 pm (and paid inside) and then calculating some numbers to determine that that transaction takes me in the negative. Well I should expect that to cost me $400.00....let me just take some money from my trust fund and transfer it over. JEEZ.

"I fully expected to pay one NSF fee for overdrawing my account ONE time". Where the hell in that sentance does it say I "intentionally" overdrew my account or that I "try to spend more money" than I have? It's back to the fundamentals of reading, people!
And I have to clarify that I'm not talking about "NSF" charges, I'm talking about "overdraft" charges. US bank knows it's going to my money because my checks are direct deposited, like clock work, and have been for the past 6 years I've had my account there. (It was First Star for the first 3 years.) I don't "bounce" anything...NEVER written a BAD CHECK in my life.
Juliet, my dear, not ALL banks pay from largest to smallest. Believe me, I now have my new account at one that cares more about doing it right than bilking millions out of its customers.
What you people with silver spoons in your mouths don't seem to consider is that paying one extra "overdraft" charge than necessary causes a s****.> You all can scream all you want about "terms and conditions"...wrong is wrong, whether it's written down or not. And my point is to let EVERYONE know how US BAnk operates.
Living paycheck to paycheck isn't a lifestyle I would recommend to anyone, but after taking out my small contribution to my 401K, pay insurance and taxes it takes every cent I have to take care of my three growing boys in the best way I know how...football, baseball, basketball,on and on and on. It doesn't make it any easier when you have two people using one account either. My husband is a slight knucklehead when it comes to money. I nag, beg and scream with all my might yet nothing seems to get through. But, I digress.
To Juliet, I have read many a "terms and conditions" over my last 18 years of banking but when US bank took over First Star, I was at the point where if you've read one you've read em' all. Yes, I had to learn the hard way...but if I can help it, people who struggle like I do won't have to pay out the nose to learn it. They will just stay as far away from US Bank (and other banks like them) as they possibly can.
And EXPECTING an overdraft charge, (now read carefully Bobby and Juliet) means getting a receipt from your husband at the end of the evening where he went and got $30 in gas at 10 pm (and paid inside) and then calculating some numbers to determine that that transaction takes me in the negative. Well I should expect that to cost me $400.00....let me just take some money from my trust fund and transfer it over. JEEZ.

"I fully expected to pay one NSF fee for overdrawing my account ONE time". Where the hell in that sentance does it say I "intentionally" overdrew my account or that I "try to spend more money" than I have? It's back to the fundamentals of reading, people!
And I have to clarify that I'm not talking about "NSF" charges, I'm talking about "overdraft" charges. US bank knows it's going to my money because my checks are direct deposited, like clock work, and have been for the past 6 years I've had my account there. (It was First Star for the first 3 years.) I don't "bounce" anything...NEVER written a BAD CHECK in my life.
Juliet, my dear, not ALL banks pay from largest to smallest. Believe me, I now have my new account at one that cares more about doing it right than bilking millions out of its customers.
What you people with silver spoons in your mouths don't seem to consider is that paying one extra "overdraft" charge than necessary causes a s****.> You all can scream all you want about "terms and conditions"...wrong is wrong, whether it's written down or not. And my point is to let EVERYONE know how US BAnk operates.
Living paycheck to paycheck isn't a lifestyle I would recommend to anyone, but after taking out my small contribution to my 401K, pay insurance and taxes it takes every cent I have to take care of my three growing boys in the best way I know how...football, baseball, basketball,on and on and on. It doesn't make it any easier when you have two people using one account either. My husband is a slight knucklehead when it comes to money. I nag, beg and scream with all my might yet nothing seems to get through. But, I digress.
To Juliet, I have read many a "terms and conditions" over my last 18 years of banking but when US bank took over First Star, I was at the point where if you've read one you've read em' all. Yes, I had to learn the hard way...but if I can help it, people who struggle like I do won't have to pay out the nose to learn it. They will just stay as far away from US Bank (and other banks like them) as they possibly can.
And EXPECTING an overdraft charge, (now read carefully Bobby and Juliet) means getting a receipt from your husband at the end of the evening where he went and got $30 in gas at 10 pm (and paid inside) and then calculating some numbers to determine that that transaction takes me in the negative. Well I should expect that to cost me $400.00....let me just take some money from my trust fund and transfer it over. JEEZ.

As many others have said, all banks process the transactions from highest to lowest. While I feel for those who get the many NSF fee's that may happen, banks also do this for another reason. Suppose you have a $2.00 check for food at Taco Bell and a $500.00 check for your mortgage payment. You only have $500.00 in your checking account. If they take the $2.00 check first then your bigger and definately more important check will bounce. I hope you see what I am getting at. Usually the large checks are more important and I for one am glad that they process them first. I would rather have a check to Taco Bell bounce then have my mortgage payment check bounce.

You watch too much Stargate. Being from Ohio, I'll write sloooooowly for you. The fact that you admit you tried to spend more money than you had is about all that is needed for everyone else to understand your thinking process. I use BoA(business) and NFCU(personal), not USBank. I pay nothing for the priveledge of banking with them. Your line of logic goes like this..."I only ran over 1 person at the crosswalk, so I shouldn't be punished as badly". You can't add or subtract properly(government schools), or you don't care about the fees until you have to pay them. Then, you cry because the banks don't care about how you look at things. They care about how THEY look at things. The funny part is, all banks look at it one way, the way the FEDS say they need to look at things. They all follow Federal Banking Laws. Here's a simple test for you. Pretend YOU are the one getting the BAD CHECK. Now, you have to go and try to get your money from the deadbeat who gave it to you. The "kiter" has no intention of actually making good on it(don't pretend you would, since you already admitted you write them yourself with no problem with your consience). How is that rubber check going to impact you? If you say anything other than "I would be financially hurt and would hate to deal with that person again, nor will I ever take a check from him/her again", then you are a liar. I take checks from a very select few(less than 5) customers. Some rich, some poor. Learn to NOT spend more money than you have, and you will NOT be spending more money you need not do.

I DO ***NOT*** WORK FOR U.S. BANK!

To Michelle, you didn't learn to read the TERMS AND CONDITIONS that you received when you opened your bank account, and mailed, in the event your bank has ever changed hands. ALL BANKS DEDUCT LARGEST TO SMALLEST. This is NOT news, folks!

As for EXPECTING an NSF charge, why should you be allowed to intentionally overdraw your account to begin with?? Even Quantum Theory ought to teach that an overdraft is a VERY expensive loan. You want to spend money you don't have, but then complain when the bank does EXACTLY what they said they would do, and deduct from largest to smallest.

Perhaps reading the terms and conditions received when opening an account would prevent any "surprises." I just quickly went onto US Bank's web site and looked through the terms and conditions for a deposit account. Verbatum it states that they can process debits in any order they chose and processes them one way does not guarantee that they will be processed the same way the next time.

All the more reason to keep an accurate balance of any account. And, all the more reason to search for a more consumer friendly bank to do business with.

you have proven my point...so how much does US Bank pay to brainwash...--I mean "train" you? Must be quite a bit to get you to sell your soul...then again maybe your soul's not worth a whole lot.
May God bless you brother.

Oh, as a side note, in case you have reading comprehension problems, I fully expected to pay the ONE NSF fee for overdrawing my account ONE time. (Although I didn't learn how to add and subtract until my Quantun Theory course in college.)

It's an outrage for the banks in this country to expect the customers who went to government schools to know how to do simple addition and subtraction. An outrage I tell you! What nerve they have thinking people should be able to NOT spend more than they have.

This practice by US Bank, (taking all your transactions throughout the day and then deducting them from your account from the LARGEST TO SMALLEST transaction), crosses all moral, ethical and legal lines. It is obscene to me that this can happen in this technological age where your debit card transactions show up minutes later at your bank. Lets say it's 9:00 a.m. in the morning and you have the available funds to pay a small transaction and the next 5 small transactions you make before noon that day, but then 10:00 that evening you have a larger transaction that takes you in the negative. One would expect 1 NSF charge, right? NOOO, not with US Bank! They deduct that last transaction from your account FIRST and then three maybe four of the five smaller ones are overdrawn transactions. Thus possibly 4 NSF charges instead of 1. That's $120 of your hard earned money into the fatrat's pocket instead of the legimate $30. Call and complain to customer service about this and they will insult your intelligence you by telling you they are doing you a favor because larger transactions are more important than smaller ones or they'll tell you to learn how to balance your checkbook! It's an absolute outrage!