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    Luminate Bank

    3.4 (18 reviews)
    Closed 9:00 am - 4:00 pm

    By appointment only

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    Services - Luminate Bank

    Business banking

    Mortgage services

    Mortgage refinancing

    3 More Services

    Personal banking

    Home purchase

    Treasury services

    Luminate Bank Photos

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    7 years ago

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    9 months ago

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    4 years ago

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    7 years ago

    Business owner information

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    Tim E.

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    11 years ago

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    7 years ago

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    8 years ago

    Business owner information

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    Tim E.

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    10 years ago

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    5 years ago

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    8 years ago

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    Tim E.

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    10 years ago

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    Ask the Community - Luminate Bank

    Review Highlights - Luminate Bank

    Tim and his team surpassed our expectations and made it very pleasant to walk through the process of buying a home.

    Mentioned in 4 reviews

    Read more highlights

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    People searched for Banks & Credit Unions 2,733 times last month within 15 miles of this business.

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    U.S. Bank Branch

    U.S. Bank Branch

    (26 reviews)

    Uptown

    This bank is awful. I had to go into a branch 3 times in two days just to get a payable on death…read moredesignation. Why? Because the bank employees are totally incompetent. They demanded that I bring in my partner because her signature is required. I told them it wasn't. They insisted it was. Clearly, it isn't as I could name someone living in another country and they are not going to come to Mpls to sign a document. I finally relented and brought my partner after having made an appointment. I waited for 45 minutes and finally saw a so called "banker." And, of course, my spouse's signature wasn't required. Duh? How much time have they wasted of mine as well as my partners? Way too much and no apology. What a worthless bank.

    U.S. Bank cheated me out of $10,500. I wrote a check for $10,500 to pay my taxes. The check was…read morestolen from the mail, the payee crudely altered, and U.S. Bank cleared it and paid the fraudster. A well known check fraud expert wrote a report showing that U.S. Bank was negligent. Uniform Commercial Code regulations make them responsible to reimburse me. But they refuse on the grounds that their deposit agreement makes them free of liability, a position that UCC regulations specifically do not allow. The fraud happened over 1 and 1/2 years ago and I'm still fighting to get reimbursed. U.S. Bank has shoddy low cost check clearing processes. They recoup the cost of frequent check frauds by refusing to reimburse. If you take them to arbitration they send a top 50 corporate law firm to oppose you. And they only allow aggrieved customers to use a single arbitration forum, the hopelessly business friendly American Arbitration Association (see my Yelp review of AAA). At one time I had 4 U.S. Bank accounts, for myself and for a trust I manage. I've closed all of the accounts and moved them to other banks. I strongly recommend consumers stay clear of this shoddy bank that defies Uniform Commercial Code regulations and chooses to abuse its customers when it serves their bottom line.

    Luminate Bank - banks - Updated June 2026

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