I had about 100 dollars in my account then somehow someone got a hold of my card # via internet hacking or what not.. Next thing you know I am 70 dollars in the negative with a bout 500 dollars in pending online charges. I immediatley put a hold on my account in my branch and gave them the only 50 dollars I had to bring my negative balance to 20 dollars. I then filed fraud charges. They originally told me it was 8 dollars every four days. So I thought I had four days to get 30 bucks and bring my balance to zero. I come back four days later and find out Im negative 50 again because its 8 dollars a day. So today almost two and a half months after I intitially put a hold on my account Ive been getting charged 8 dollars a day overdraft fees... Do the math ...negative about 600 dollars now and they have untill december 22nd to make there final decision. another month. If the fraud case goes in my favor which im sure it will all fees will be exonerated, if not im literally screwed. How can they continue to charge an overdraft when fee when I put a HOLD on my account and filed FRAUD charges. If I wrote a bad check or something...cool no prob, but money that was stolen from me... Ive talked to several managers and they say its "bank policy" if your overdrawn you pay. I will not pay the fees out of principal now... And heaven forbid this goes against me I will NOT pay any fees after the intial day I put a hold on my account. It is bad business and a ridiculously slow process to rectify this problem. I have allready opened an account elsewhere, and I believe when my money is returned they should give me interest or some type of pain and suffering settlement for their for lack of a better word... "stupidity"

This bank is a joke! I made a deposit for around $2500 dollars in a check form, and they lost the check. I have proof of the deposit and a letter from the Cameron Park Branch stating they lost my check. They now want me to contact the source I received the check from and see if it has been cashed. Since they may have deposited it into someone else account my receipt clearly has my account number on it. However I'm a contractor and do not want to contact my client with this error the bank has made and look like an idiot. I could lose business for causing a hassle with my client. The bank could care less they just want their money. What a joke. They could care less about this making me look bad. All they want is their money. They never even apologized for this inconvenience. They should just eat the money that they clearly lost or deposited into another account.

I am very much looking forward to a time in the near future when we will be able to sever all relations, accounts and cards with us bank. In the not too distant future my wife and I will be inheriting a very large sum of money. With it we will pay off all debts. We will put it in us bank until we pay off everything, and then I will very much enjoy the day when we go in and request a cashiers check for every last dime we have there. They will undoubtedly ask why we are withdrawing the money from them and THEN I will get a chance to tell them just what I think of their service, the incredibly creative ways they used to deceive, trick and twist situations to be able to raise rates, create fees and charges and without a doubt have the most creative ways of underhandedly sticking the people who can least afford it with overdraft charges.
I’m sure there are many families just barely getting by, putting what little they can into their account so they can pay their bills only to find out the next day that most of it has been stolen with fees and charges and are then unable to pay their bills. I’m sure that many of them are afraid to put their money in the bank because as soon as they do, good ole usbank a*holes take it and then rather than getting to pay their bills the families are worse off than ever before. But us bank aholes don’t give a shit just as long as they can get their money before anyone else. I’m sure that there are many families that have been destroyed because of the callous greedy behavior of us bank. I would like to hear from some of those people.
So – it will be a glorious day when we take our money out of usbank. If they tell me that it will cost $3 to get it with a cashiers check I will tell them to make it in the form of a money order because they are just 50 cents, because I don’t want usbank to ever get another single dollar from me ever again. They can suck my a**.

Two Incidents.
Starting with the most recent.

2 days ago on Tuesday September 22nd I made a Cash Advance on my account after noticing my account had been over-drafted due to a check that I had expected went through already. I made this Cash advance for $80.00 to bring my account to a positive $38.00.

US Bank Online Banking support assures that Cash Advancing is instantaneous, it is instant. US Bank branches will tell you that Cash Advancing takes 24 hours to process. I have many plenty of Cash advances and they have all been instant at that very minute, I have covered over drafts, I have advanced extra money that I spent 'THAT DAY'.

4 hours after making this cash advance on the 22nd, I proceeded as normal, I needed to pick up groceries and household necessities. I spent $4 at Safeway and $3 at Fred Meyer that day using debit card.

Being cautious as I am with US Bank, I checked online banking once again after making those debit card purchases. NOW, Cash Advance says its (pending) as are the 2 debit card purchases.

On the 23rd, 2 more overdraft fees are accessed to my account, these overdraft fees were from the 2 debit card purchases. On the 23rd, the Cash Advance shows up AFTER the 2 debit card purchases.

What the hell?

I call my bank branch to get the most rude banker(I know everything about the bank that I have worked for, for 11 years-person) and she tells me that this is ALL my fault. Basically it was my fault that Online Banking does NOT reflect the true balance that NEITHER my home bank branch or online banking has.
I was transferred to Online Banking phone number at 1-800-USBanks and they told me I was lieing, I did my cash advance on the 23rd at 11:30:26am.

1. I would NOT have gone to Safeway and Fred Meyer without doing a cash advance first.
2. That time they told me was when Cash Advance was DONE pending, NOT when I click 'I agree' to have the funds advanced-WHICH they told me the time was when I CLICKED that button.

So lesson be learned.
.ALWAYS Print or Screenshot cash advances to show date and TIME!

..Cash advancing in internet banking IS NOT instant(according to bank branches) BUT WAIT, IT IS INSTANT (according to online banking support themselves)

...US BANK has their own loopholes to generate them more money off of over-drafting and cash advancing. They are liars. They have rude customer service. All they care about is every penny they can collect.

By the way, I've been banking with them for over 15 years, and got treated like they don't care.


::Second Instant

To be quick and blunt. I deposited 2 separate checks for over $100.00. I then withdrew 100.00 from the ATM to have my available funds in cash.

Us Bank holds all funds except for 100.00.

I had plenty of money in this bank account, and had TWO pending debit charges.

The next day I had a negative balance. What happened was those 2 debit charges counted TOWARD my 100.00 available funds, HOW?
Even with TWO checks deposited, STILL only $100.00 is available, not $100 for each check.

Basically, I got overdraft charges for my 2 pending debit charges, and 2 overdraft charges for each check that was DEPOSITED. Total deposit and money in bank with checks fully gone in would have been $350.00 roughly.

What happened is after all the overdraft charges was accessed that day, both checks were still being processed, the next morning not even the checks could cover the overdraft charges and it remained negative for weeks til I told them they were not taking any more money from me.

In no way, shape or form, should the bank overdraft more money than the deposits you put in. Instead they ended up taking over $700 because I had 2 debit charges pending when I decided to withdraw my $100 available funds from ONE check.

Why has this bank not been brought down? Scammers.

US Bank has the highest fees of any bank. And they do what ever they can to extract fees from you. Their Overdraft Fee is the highest ever: $37.50. I made an ATM withdrawal at a US Bank ATM that put me over by$3. They charged me $37.50! All they had to was say Insufficient Funds and I would have withdrew $20 less and avoided that huge fee. Allowing me to go $3 overdrawn so they could charge me an outrageous fee is awful! US Bank is awful.