The Poway Branch of US Bank was my "home branch" but I never set foot in the branch itself. This review is in regards to the US Bank website and customer support line.
Every transaction I had with this bank was a pain in the ass. They lured me into opening an account with a $400 account opening bonus. To qualify, I needed to have direct deposit at least $4k within 60 days and enroll in e-statements. Since all my bills were paid form my regular bank account (not my new, US Bank account), I tried to establish external transfers via the US Bank site, but it was confusing and I ended up calling their customer support number for help (I've never needed help with setting this up on any of my credit union's websites). The customer services person told me that I needed to set up a "POP" payment method because otherwise I would be charged a fee for every transfer. The POP transfers take nearly a week to process and, on one occasion, I had not received the money into my primary bank's account even though the money had been deducted from my US Bank account. When I called, I was told the POP transfer had "gotten stuck" and they could cancel the transaction and I could resubmit and try again. It went through but by the time I had finally gotten the money into my primary account, it had been nearly two weeks.
I subsequently called again because there are POP transfer limits which meant that, every time my paycheck was deposited, it would take me several POP transfers, spaced out over several days, in order to get my paycheck transferred into my account with my regular bank. I called and asked whether there was any way to remove those limitations and was told no, but that I should just add my external bank account information in another area of the US Bank website and, if I did that, I wouldn't have those limits. I explained that I was previously told there were transfer fees for doing it that way but the customer service person I spoke to this time said there were no fees for transfers. Following her guidance, I was then able to set up external transfers. But I really, really, really dislike being given wrong information. So after all this, by the time I received my $400, I knew I was going to stay with my primary bank so I closed the account with US Bank via their customer service number. I just shook my head when, after waiting on hold for a live person to answer my call, a customer service person answered and asked how she could help me. Because, when I stated that I had called to close my account, the only things she asked for was my account information and, after placing me on hold for a few minutes, she returned to let me know that she had cancelled my account. Apparently they were not even interested in regards to why I wanted to close the account.
Bottom line: Every encounter/transaction that I had with US Bank was weird. If you want a good bank with employees who are professional, give you correct information and treat you right, don't go to a bank (especially don't go to US Bank). Go to a Credit Union! read more