I received overdraft charges (4 of them) on my account and I called to question them about it because according to the on-line account there was money in the account.

When I called the bank to talk with them about it, the first person pushed me off to someone else since she was already helping someone and this person was very abrupt and rude when trying to address this problem.

He tried to explain to me that the overcharges occur because of a transaction after 9 pm on the fourteen of december, even though my account balance showing on line was sufficient to cover the amount I purchased. I had a direct deposit that went in the morning of the next day, yet the overdraft charges were posted for the 16th of december. When I brought this to his attention, he said they were pending on the fourtenth. If that is the case, why didn't they show up on my account as such.

They have a sign that says all transaction after 3p will be posted to the next day, yet when I asked him about that he said it only applied to only in-bank transactions. Is this not falsely misleading the public.

Also, if the charges that I am being charged overdrafts for are listed on the 16th how can they legally charge me overdrafts saying they were cleared on the 14th? What kind of business are they running.

I will be pulling my business from there and looking else where. This is some scam they got running.

I opened a 'free' cking account with US Bank early this year. In April, I DID make a small error, which I admit, and my ck, acct was overdrawn by approx. $40, however, I was not aware of that fact for a week, and sent out several small checks (less than $20/ea.) US Bank charged me $35 for the 'mistaken' ck, then charged me $35 for all the small charges and cks, one was for $3!!. When I brought my payck to deposit, and receive money back for food, etc. the teller said I was now overdrawn by $175.00, and could not receive money back. All attempts to talk common sense to the Branch manager was like talking to a brick wall, they wanted the 175 PLUS $7 day. I explained that I realized I made an error, and was willing to pay the $35, but not for the other very small cks, which the bank put through AFTER the larger one, so that they could collect fat fees, all with a $35 fee . Several E-Mails and phone calls resulted in nothing, now US Bank has turned my acct over to a collection agency, with a price tag of $685!! This from an original overdraft of only $40!! DO NOT deal with US Bank!!

US Bank charges $37.50 for every check paid (or returned) as an overdraft fee. I talked with them on the phone to complain and they said this is what it costs them to process the check or payment. It is done automatically by computer so I think I want to be a computer since I don't have to think and will get paid enormous amounts of money. When I complained that I have made a deposit on the same that that they charged me an overdraft fee, I was told that deposits are posted after 5:00 pm and only $100 is made available until final posting at midnight. Any check/debit that comes in before midnight will be charged an overdraft if there is not enough available in the account to pay it. So if you deposit $1, 000, only $100 is available until midnight. If a check/debit come in before midnight for $300, they will pay it but charge an overdraft fee based soley on the funds AVAILABLE in your account. If you deposit cash OR have an electronic deposit, the money 'may' be posted immediately (or - it may not). I think this is criminal of them to 'pay' debits BEFORE a deposit is credited. They don't even explain this when using the internet banking system. They have such misleading and not understandable accounting that you just can't tel how much money you truly have in your account at any one time (by line item). In today's economy, this can be a lot of money, especially if they charge you 3 or 4 times in one day. Is this today's greedy and corrupt world of finance and banking? Or just another way the a bank to make a fortune off their loyal customers? RIP OFF!!!

We got a statement at the end of may that said we were overdrawn by $81. I deposited a couple of misc. checks I have received for refunds and such, and thought that it at least cut it in half, and we could pay the rest off in a few days. I get another statement in the mail - and it is up to $257+ dollars that we are in the hole! We don't even use this account for anything. I look at the statement, and it is nothing but $8 fee added each and everyday that we were overdrawn that $40. We were never told that when we opened the account that this was something that would happen if we were overdrawn.

There is no way we can pay that off now!!! We live paycheck by paycheck, and just barely make our bills, now this bank is charging us each day it is overdrawn!!! I wonder who else this has happened to. We won't ever pay this because it is outrageous and, i would believe - it should be illegal! No other bank I know of does this. It's a wonder this bank stays in operation. Has anyone ever sued this bank and won? I wonder. Who ever reads this, do not - for any reason - get any type of account at US Bank. They are the biggest 'legal' scam there is!

Unfortunately after several incidents and several hundred dollars of overdraft fees, I have figured out US Bank's strategy of misleading their customers in order to collect an ungodly amount of fees. I recently deposited a $400 check into our account due to the fact that the same problem I'm about to report occurred and we were charged over $300 in overdraft fees. So, after depositing the $400, I went online and noticed that at the top of the online statement, there was a note indicating that $300 was being held pending clearance of the deposited check.

HOWEVER, approximately 24-48 hours later, that note disappeared and my Available Balance was showing about $196. Additionally my husband called to check the Available Balance and was also given the $196 figure. Naturally, one would assume that Available Balance would mean those funds are available for use, and by their own definition listed on the website, 'This balance lists the funds in your account that are available for withdrawal. This is the Account Balance minus deposited funds being held or check card authorizations outstanding.' Note it says MINUS deposited funds being held. This actually is not the case - when I clicked on the blue hyper-link provided on the online statement, I was shown that the $300 is still considered unavailable funds and our Available Balance is actually negative $103.

If we didn't have access to the Internet in order to find that out, and went solely on the information given when my husband called in to check our balance, we would have been charged overdraft fees on any purchases we made. That is how we got all the overdraft fees to begin with - another deposit was made previously and because the Available Balance showed the entire deposit was available, we were naive enough to believe it and spent money that apparently wasn't really available...even though they told us it was.

This practice is unconscionable, underhanded and downright dishonest. Why list funds as available when they aren't? Overdraft fees...period. In the meantime, because those funds aren't available yet and we're still in a negative balance, I actually had to borrow some of my daughter's birthday money in order to get some gas and groceries!!! We live paycheck-to-paycheck and the bank is slowly milking us to the point of having to borrow money from my father and my 11-year old daughter just to get by.

I would be interested to hear comments or other incidents of this occurring.