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.

last yr we sent an insurance pmt to american home ins co which is who our home is insured with and has been since purchase. Some person at our ins co sent us bank a letter stating that we cancelled our insurance policy. Our policy has been currant without a lapse in coverage as long as we have had it. US bank sent us a ;etter saying they were purchasing us an insurance policy for us as we had none. I called ins co and they sent a fax to prove we had currant insurance. I wrote several letters. Just got their latest letter and they have added on the amt of a high dollar ins policy to our monthly mortgage pmt. Over 150.00 mo. We still have insurance and they refuse to acknorwedge that. How can they do this?

On may 26 of this year my husand and I deposited 2 checks totaling 520.00 with a check was a us bank check, the teller on duty put it in the computer as a out of state check, when we realized the mistake we went back the same day, the bank manager sara, gave us something called a curisty credit of 400.00 until our check cleared, she was supposed to take it back off the next morning, so we went on as usual trusting our bank to do what their paid to do, thinking that she took this back off, 6 weeks later july 1st we get a overdraft notice for 225.00 that we didnt understand considering that we still had over 150.00 in our account, the bank manager that we trusted did not take the credit back until july 1st bouncing everything we had, not only did they take the 150.00, but they expected us to pay 385.00 in fees, that bitch is a theif, that bank is a fraud and we are not paying this, if she had done her job and taken this credit off the next day as she should have this would not have happened, so BEWARE!!! DO NOT DO BUSINESS WITH THIS BANK, THEY ARE RUDE, MISLEADING PEOPLE

I just switched to US Bank and now have realized that they make their credit card payment due dates 5 days earlier if you pay the balance in full and on time the month before. If you don't pay the entire balance you get an extra 5 days before it's due next month. This might be okay for people who can never pay the full amount, but in trying to be responsible and paying off my credit card every month I am forced to come up with the money 5 days earlier.

This is especially a problem for people like me who get paid twice a month. The first check goes mostly to rent and the second goes mostly to pay off my credit card bill. Because it is now due 5 days earlier for paying the last month on time I am forced to not be able to pay it all (because I will get paid 3 days from when it's due).

Maybe I'm crazy, but it doesn't seem right that their company can make your payment due 5 days earlier from paying ON TIME and IN FULL. It just doesn't make any sense to me and quite frankly feels like a way for them to make it harder to pay it off so they can charge you more interest fees.

I have emailed and called customer service representatives about this and none of them can help me (so they say). They say that this is just how it is. Please let me know if this is actually not so unusual, as I could be over reacting.