This banks overdraft fees are outrageous. At 39 dollars per check overdrawn...it can wipe out a weeks pay check in no time. Accidents happen. Most consumers are careful about their spending and do not overdraw their accounts on purpose.

I think if a person has a good record and credit history that these fees should b e waved after the first charge.
The second problem is the way they list the incoming checks online. The state ment reads the order of checks incom ing one way and the next day when you check your online account the list is totally different. THis can cause a real mess if one is overdrawn.

US Bank changed my file information and incorrectly reported to Fannie Mae so I would not qualify for a simulus re-fi loan on my home and avoid foreclosure.
US Bank sent me a letter telling me I was late and at risk. The same day I got a letter from Fannie Mae telling me that US Bank reported me on time, and I did not qualify for a stimulus. I called Fannie Mae. Two days later I got a letter tellling me I was not late. I called, but was told I was still not qualified because I was late.
US Bank changed my file information and incorrectly reported to Fannie Mae deliberately, to avoid granted a stimulus re-fi on my home loan.

My driver license was stolen sometime between January 12th and January 15th I found this out only after it was used when someone went through the drive up at US Bank downtown location drive thru handed the teller my drivers license posing as me said they didn't know their account number, the teller looked up the account number, gave out my account number to these (at least I know there was two involve, one was a female passenger) people, they withdrew 435.00 out of my checking account. I found out about it the next day when I went to check my account balance online. I immediately contacted the fraud department by calling the US banks toll free number. I also went to my local branch immediately the same day, closed out my account and reopened a new account this time placing a password on my checking account, the Personal Banker at another branch location also placed notes on my account stating the current fraud activity.

Two weeks later January 28th, the same people attempted to do it again. They went to the same US Bank location using the drive thru, attempted to withdraw money again. The teller again gave out my NEW account number! Only after giving out that new account number was my password verify along with other identifying information. The branch manager from the bank where this has taking place, contact the Personal Banker at the another branch location that I have been personally dealing with, she in turned contacted me, informing me of another attempt to gain access to my account had just accrued and that account number too had been compromised. I will have to close this account too. Was told at that time this person (female) even tried to contact the corporate office to get the password removed from my account so they can withdraw funds. My Personal Banker even told me she had a conversation with this person over the phone and knew it wasn't me.

My bank said they have an image of the person and that their security people had given that information to the police, I too made out a police report when this took place the first time and reported the new attempt involving my new account number too. The Personal Banker told me they caught an image of the license plate taken that was used to attempt this crime the second time, but later recanted that statement changing her story stating there was never an image taken of these people or license plate number. I was also informed by the investigating officer that the bank never reported the first theft.

I'm in the process of closing out my accounts and switching to a different bank. So far I have not received my money back and was told it was still pending as of January 29th.
I have not found out if the same teller was involved or not!

US BANK!!! HUH nothing says US about this bank, a customer to this bank since 2001 however when a accident totalled my car, the insurance companies auto and Gap had faxed documents to this bank advising of payment processing and soon would be delivered. However 6 days before Christmas- Hearless Huh this " bank" decided I was no longer valued although they had info in writing they would recieve payment they TOOK almost 300.00 out of my account without authorization although direct debit had been cancelled and all their good for nothing customer service manager could say that's policy and well you should have paid. The Gap insurance company sent the check out on 12/19/08 to this company and what I was advised from this terrible instituion is well when we get the check you will get your refund - the late fee 29.00 - the 50.00 fee for cancelling the direct debit option (that they still debited) I would have to wait 7-10 to get what is left back from my money. Some 5 Star service Huh? Yeah I feel the five stars in my rear from this Bank. I warn you all don't walk past US Bank to read signs, if they say come in we have specials yeah speacial hidden fees, specially screw their customers. YOU ESPECIALLY RUN TO THE NEXT BANK! you've been warned.

I have been a US Bank customer for a while. I have gotten overdraft charges before because they push charges through to make sure there is a negative balance before midnight. But that's business, so I paid the outragous charges and kept banking with them. But this time I knew my account was going to be low, so I made sure at 11:00pm that it was positive by transfering money from my savings. When I checked the bank account the next day, I had four charges that appeared from nowhere with overdraft fees! My husband, trying to calm me down, called to see why these charges just appeared and why they were not reflected on the amount the day before. The bank specialist told us that if the merchant does not collect within five days, they just take it off the available balance! So I had no knowledge that these charges were still pending, it didn't even show on the account balance. It was the holidays! Of course sometime between 11 and 12 pm they just popped right back up. If I was aware of these charges I would have covered it. This makes US Bank a very unrealiable source to help keep track of funds- which is what a bank is supposed to do! Generally when I have plenty of money in the account they wait until the next day, but when they are low always, always push to get overdraft fees. This is no longer a bank I can trust or recommend. If you bank with US Bank, your available balance shown on the website might be fraudulant.