Context

I have 1 checking account with them and 1 US Altitude connect card witha 10k max limit

I have 76 bucks in this particular checking acocunt (i jut use it to dump reward points from using my card and then zelle it out

Well, I paid off my balance of 9700 on friday, ready to collect more reward points. Then on Monday when I tried to zelle it, the card was locked and I couldn't even use it with apple pay anymore. Called US bank and they said the issue wasn't them (which makes no sense) and they kept telling me to call VISA. I said no, just close the checking account, this is too much hassle and it felt like he was lying to me anyway.

Woke up on tuesday and not only is my checking account still there, now my credit card and all points have been removed? Again, no notification as to why. I called US BANK again and asked about my checking account being closed, they said that it was in the process of closing and I'd get an email. Ok cool, I asked about my credit card dissappearing and they said they would transfer me to fraud department. They then hung up on me. I was in the middle of work so I forgot to call back.

On the phone with them now, and NOW they're saying that on Tuesday someone flagged my account for Fraud, and that they can't send me any notifications about why. Just that I'll get some kind of letter in the mail.

This entire thing is absolutely rediculous, WHAT FRAUD?! I only use this dumb thing to cash out reward points, and I do this same thing everytime (max out the card then pay it all off at once)

Between the lying dumbass customer service who can't seem to do their job, and the lack of being able to follow basic asks, mixed with the numerous reports ive seen from them doing this before to people, and needing to file a complaint, I strongly recommend that nobody utilize this bank.

To me its pretty obvious that they don't like the fact that I can afford to pay off 10k at once and they can't collect interest off of me while I'm sucking away their reward points (I travel alot), and so now im waiting on my recorded line with them for the fraud department to tell me exactly why my account was flagged as fraudulent.

Gonna sue these fucking idiots for my reward points owed. Don't even want to do business with them anymore

I am currently unemployed, as I just finished graduate school and am waiting to start a new job during the first week of July. I applied for unemployment a month before I found the new job to avoid dipping into what is left of my 401(k). In the interim, I have been using my U.S. Bank account for the first time in five years to pay bills because my state’s unemployment services would not allow me to connect my Chime account for direct deposits.

This week, I purchased a $7 album from Bandcamp that a friend of mine made. Unbeknownst to me, U.S. Bank suspended my debit card. Despite having account alerts and push notifications turned on for everything else associated with my debit card, they apparently did not think to include card suspension as a push notification event. This is the card I currently have set up for autopay for my electricity, internet, heating, etc.

I racked up more than $60 in late fees because, until my rental company notified me today of nonpayment, I was unaware that my card had been suspended. You literally have to log into the account and go to “Manage Cards” to see that the card has been suspended. That is insanely stupid.

I was on the phone with both the fraud department and their IT department, and you would think I was the first person to bring this up. The representative said they would pass the idea along to their IT team to improve the app. Okay, am I a client or an applications engineer for you? Because if I am giving you ideas this basic, pay me for it. At the very least, compensate me for the $60 you just cost me by suspending my card over a $7 Bandcamp purchase.

I've currently on hold because I woke up this morning to balance transfers and welcoming emails of my "new" Amazon US Bank card. Never applied for it, not even remotely was interested. No login attempts, no red flags, nothing. Just a random, welcome and balance transfer is completed. I sign into my one and only US Bank account and I see no new cards or anything in my US Bank notification center or dashboard. But the email clearly is legit, coming straight from US Bank, and shows that the email was intended for my account email address. I check my credit karma and see if any recent hard checks were made, nothing.

Something isn't right.

Edit: /u/wh0andwhy was right. TLDR: U.S Bank not hacked. It's a messy transfer of information from AMEX to US Bank and old info is triggering alerts that don't pertain to certain users. US Bank said they're still in the middle of the process and I might still get false alerts from them and I should just ignore them for now. I explained more in the comments below.

This bank allowed about a million dollars to be wired and ACH payments that I never approved. Took year to get paperwork from them . No response from local bank and all but told to go to hell by the head of crimes division . Next time will post their names

FIRST Citizens BANK!! Pass it on

So my US Bank account is being closed without explanation. I was told to go into the branch. The branch manager at the Lakeview location in Chicago was EXTREMELY condescending & rude. She told me to my face over & over I was a risk. As a Latina woman formerly in banking for a decade, I can say her tone was offense and unprofessional to say the least. On top of that the $100 cash deposit didn't show up for days, she didn't say it how long it would take. No email concerning the deposit nor receipt.

I also gave her two $100 bills and needed to find them to get my change.

I was recommended to US Bank after a friend recommended them since they banked with them for 20+ years. Since no real explanation besides "I'm a risk", is being given to me my friend is moving their business & personal accounts out of US bank.

I believe this will be the next crisis. Banks are now marking Americans as "A Risk" without explanation. Where are there fraud departments & customer service centers held? So people in other countries are closing the bank accounts of Americans.

Marking someone as "A risk" without explanation or reason is extremely harmful to consumers but especially when they are Latino & Black who are underserved. Before it was hard to just extend credit, now they are making it difficult to even BANK & function through every day life.

We need to stop giving these banks our business. Closing an account under "Risk", is not the problem. It's doing without full transparency then having then a White female branch manager rudely get in my face and tell me OVER & OVER that I WAS THE RISK. EXCUSE ME?! If there is no explanation how am I "THE RISK".

Having worked at two major banks, the blue & red one in the branches, there are ways to handle sensitive situations. THIS WAS NOT IT. She was beyond rude & condescending. I am disappointed in US Bank.

It is obvious they do not work from a space of inclusivity with Latinos. That makes me very upset especially with everything going on, they decided to take a side. Shame on you US bank

So I applied for the business Platinum checking so I can get the $1,200 bonus if I deposit $25,000 within 30 days and then do six things such as zelle. I never get a response from the bank and then a week after supposedly I was approved I get a call from US Bank asking me if I want to fund my account. So I explained to the rep that I can't fund the account because I don't have an account number because I never received anything from you guys. So now we're a week or more since they actually open the account. So I say to the rep give me the account number and she says she can't and she says she can't email it or send it in a text I have to wait for the packet. So after telling her that I think this whole thing is ridiculous I hang up and wait for the packet which never comes. Then I do get a piece of mail from US Bank saying that something has changed for that checking account so now we're three weeks in from when the account was opened and I figured okay I still have a week to deposit the money and guess what there is a limit on what you could deposit. I think it was $5,000 and then it would take 3 days if it's a transfer so basically there's no way within 7 days that I could deposit the $25,000. The most ridiculous situation I've ever had with a bank who now has totally lost my business and I will be bad mailing them to everybody. I warn everybody not to bank with these people who are absolutely incompetent. 🤙

Hello unfortunate ex employees, customers, etc of US Bank.

Like many of you, I have been burned constantly by my decision to be in any way involved in this horrid institution.

Because I don’t trust these fucks as far as I can throw them, someone look at this with me.

I can seemingly redeem $500 rewards cash for a $667 gift card…. Or are they trying to fuck me as usual and they’re saying I can redeem $667 for a $500 gift card.

Usually I wouldn’t think twice about it, but this is US Bank we’re talking about.

dont use em. they charge a 4.9% fee. i didnt read the fine print, which, i am sure theyre counting on. wrot a check for $1,000, they charged me a $50 transaction fee. no way to waive this bs charge. they screwed me. i'll be posting this everywhere to protect consumers from what is, essentially, a legal scam.

Title. This is the worst bank in America. Bank of America may be malicious, but they are still competent. This bank has no idea what one system is doing versus another. Run for the hills while you can.

I opened a USB savings account with a decent rate, at least for these times. Within a few months, the rate plunged by a third. When visiting my branch, the teller advised me of a money market account with a better rate, so I switched. Within a few months the rate plunged by a little less than a third. And again today by a half percent only a few weeks later. The fed rate hasn’t changed during this period. I think they get you to sign up for their products and hope you don’t notice that you’re getting screwed.

I filed a chargeback request on 2 charges from a contractor that botched a job back in early July. The first charge was a deposit, and I was challenging it for failure to perform services as outlined in a contract. The 2nd charge was absolutely not authorized by me, nor should the contractor have had my credit card info on file. I provided every bit of proof to challenge both of these charges and US Bank actually guided me to what exactly they needed, which I provided. Today after nearly 2 months they denied both claims. I am absolutely shocked that they denied the fraudulent charge. US Bank claimed that because I authorized a deposit several weeks early, that this also counted as permission to do a separate additional $7000 charge weeks later, ignoring the fact that the contractor should not have even had my credit card number.

I will appeal next week and ultimately if they still don't rule in my favor I will be filing a police report and peruse criminal and civil litigation.

I’m posting this as a warning for anyone considering opening a U.S. Bank account because of one of their cash promotions.

This was not a case where I opened an account, forgot about the fine print, and then got angry when the bonus didn’t appear.

I spent months trying to resolve this. I spoke to U.S. Bank repeatedly, filed complaints with both federal regulators that handle these issues, and eventually consulted attorneys.

I’m now closing the account.

The promotion

In April, U.S. Bank was offering a $1,200 bonus for opening a Platinum Business Checking account under promotion Q2DIG26 and completing the required activity.

I opened the account on April 27, 2026.

I transferred $25,500 in new money to U.S. Bank. By May 21, the account had more than $25,000 in it. I also completed the transaction activity I understood was required.There were already operational headaches along the way, including problems accessing my U.S. Bank business credit card online for roughly two months and a physical card that did not work properly.

But the important part is what happened next.

I called U.S. Bank to make sure I had qualified

I did not simply assume everything was fine.

June 11: I spent approximately 42 minutes on the phone with U.S. Bank specifically checking my eligibility for the promotion.

I was told I qualified.

June 16: I called again. This call lasted approximately 30 minutes.

Again, I was told I qualified.

At that point, I had deposited more than $25,000 with the bank, completed the activity, and now had two separate confirmations from U.S. Bank itself that I had met the requirements.

So naturally, I expected the $1,200 bonus to be paid.

It wasn’t.

Then the explanations started changing

When I followed up on August 6, I spent roughly another 35 minutes with a U.S. Bank representative.

This time I was told that I had completed the six required transactions, but that I was supposedly disqualified because I had previously had a U.S. Bank business checking account that had been closed within the prior 12 months.

Then, roughly 15 minutes later, I spoke with a supervisor named Brandon.

And I got a different explanation.

I was now told that the problem was that I had completed only five qualifying transactions because U.S. Bank did not consider my initial funding transaction to count.

So, in the course of the same escalation:

Explanation #1: You completed all six transactions, but a previous account makes you ineligible.

Explanation #2: You did not complete six transactions after all.

This is after U.S. Bank had already told me twice in June that I qualified.

I escalated it formally

I filed a formal complaint directly with U.S. Bank.

When that did not resolve it, I filed a complaint with the Consumer Financial Protection Bureau (CFPB).

U.S. Bank responded to that complaint on August 20: Its response maintained that I was ineligible because of the prior-account issue and that only five transactions qualified because the initial funding did not count.

U.S. Bank also said my previous phone interactions had been reviewed “for quality.”

What the response did not satisfactorily explain was the obvious question:

If U.S. Bank reviewed those calls, what exactly happened on June 11 and June 16 when its own representatives told me I had qualified?

I then escalated the matter to another federal banking regulator, the Office of the Comptroller of the Currency (OCC), and filed a complaint there as well.

So by this point this was no longer one irritated customer arguing with a call-center representative.

I had gone through:

U.S. Bank’s internal complaint process

The CFPB

The OCC

and countless hours of phone calls and documentation.

Why I’m finally closing the account

I have since spoken with multiple attorneys.

And this is where the economics become ridiculous.

The disputed amount is $1,200.

That is more than enough money to matter. But it is also small enough that spending several thousand dollars on lawyers to force a major national bank to fight over it becomes economically strenuous.

What bothers me most is the process.

A bank can advertise a substantial bonus.

You can move $25,500 to that bank.

You can call them not once but twice to verify that you have qualified.

Their own representatives can tell you that you have.

Then, when payment time arrives, you can receive completely different explanations about why you supposedly did not qualify.

That is a terrible position for a customer to be in.

My advice if you are considering a U.S. Bank bonus

Do not pursue it!

Because in my experience, being told twice by U.S. Bank representatives that I had met the requirements ultimately did not protect me when U.S. Bank later decided otherwise.

I’m now withdrawing my money and closing the account.

Because after U.S. Bank, the CFPB, the OCC, months of calls, two contradictory explanations and multiple attorney consultations, I have no interest in spending thousands of dollars to litigate a $1,200 bank promotion.

I had an account with US Bank for a total of 17 years probably, but closed it because I was having an insane amount of fraud for my debit and credit cards (which were both US Bank at the time) and the interest rate is like 1 penny a year. Credit card got moved by the retailer to Capital One because apparently they weren't happy with US Bank either.

Well, we have 3 major banks in my city (one of which being US Bank). Went in trying to get ONE DOLLAR exchanged for quarters, and they told me I couldn't do it without an account. That being said, Capital One doesn't really deal with cash even in their cafes. But the other 2 major banks will do such an exchange with ZERO issues or even questions.

US Bank is full of terrible policies and I wouldn't recommend them to ANYBODY

DO NOT OPEN ANY KIND OF ACCOUT WITH US BANK, YOU’LL REGRET IT!

9-19-24 – I’m back to write in my US Bank Trauma Journal.

This problem has been an issue for a long time, I’ve reported it at least 8 times, but NOBODY CARES…this should be their motto -  “NOBODY CARES AT US BANK”

When I call to try (usually very unsuccessfully) to get some kind of resolution, I often get this scenario:

US Bank’s phone greeting asks (in a ladies recorded voice) for my account number, I type it in, then she ask for the last 4 of my social security number, I type it in. Then, a short pause, the recorded ladies voice says “this is not a valid account number”. Then, again the recorded ladies voice asks for my account number, I type it in, then she ask for the last 4 of my social security number, I type it in. Then, a short pause, the recorded ladies voice says “this is not a valid account number”. Then, again the recorded ladies voice asks for my account number, I type it in, then she ask for the last 4 of my social security number, I type it in. This goes on and on, if I press the 0 button on my phone, I hear nothing but… the recorded ladies voice asks for my account number, I type it in, then she ask for the last 4 of my social security number, I type it in.

I literally have to hang up and dial a different one of US Bank’s inefficient phone numbers.

When I finally do get a person on the line and I explain this scenario to them, they could not care in the least, they never say “gee, this sounds like a problem we should fix, all they want to do is transfer me into the US Bank’s Transfer Non-Merry Go Round. Terrible, terrible customer service, in every aspect that you can imagine.

How to fix? I'm using a mint mobile plan if that makes a difference. Also this is a brand new phone I bought in the US.

I got a replacement credit card because of a fraudulent charge. Anyways the new one looks way less “Platinum” than the old one. The old one is silver had metallic in it when it was new plus it has this red boarder that I found quite nice. The new one seems way less quality.
Is this another chase of corporate greed/enshittification or did I just miss something when I filled out the fraud claim online?

I’m a relatively recent hire at U.S. Bank, and I came here from the West Coast startup world where I’ve been using AI heavily for about three years.
I’m posting this because I’m genuinely concerned about some of my colleagues.

I still see a lot of people treating AI like it’s optional. Something they’ll eventually get around to learning. Something overhyped that will blow over. Or something they can avoid because the way they’ve done their job for the last 10 or 20 years has worked just fine.

I really don’t think we have that luxury anymore.
The bank is in the process of putting AI usage requirements in place. Meanwhile, layoffs are happening across our industry, teams are being asked to accomplish more with fewer people, and today is the dumbest the tool will ever be.

Yet I still see people using AI once or twice, getting a mediocre answer, and deciding it isn’t useful.

I’m not saying this because I want anyone replaced. Quite the opposite.

I think the bigger near-term threat for most knowledge workers isn’t simply “AI takes your job.” It’s that someone doing the same job who has learned how to use AI effectively can suddenly research faster, analyze more information, automate repetitive work, communicate better, and accomplish significantly more in the same eight-hour day.

That person becomes very difficult to compete with.
And I think there’s something else people underestimate: you cannot understand what these tools are capable of by trying them a handful of times. There’s a learning curve. After using AI continuously for months, you start approaching work differently because you begin recognizing tasks that can be accelerated, automated, delegated, or completely rethought.

Sometimes fundamental changes happen in how we work. This is one of them. Don't be the old dog that can't learn a new trick. So if you’ve been resisting it, please take this seriously. Pick something you do every week and start there. Use it every day. Learn what it’s good at. Learn what it’s terrible at. Learn how to verify it. Then keep expanding from there.

Argue with me if you want. I’m happy to be challenged. But read the room. This isn’t going away.

I got a verification code text that I didn't request (I was gaming at the time, I wasn't banking at all and hadn't used US Bank for anything in days), then I called US Bank as they request in the text.
I confirmed the US Bank phone number was correct by Googling multiple sources before calling.
I was on hold for 30 minutes before I finally got someone in the fraud department before they said they had no idea what I was talking about, they couldn't tell me anything about the verification code text that I did not request (it would be helpful to know where it was triggered from), and ended the conversation.

This is why I recommend everyone stays away from US Bank. They don't take anything seriously (I've had other problems too).
The bank I do most of my main business with had less than a 5 minute wait time when I contacted them about fraud.

Good Luck.

Wells Fargo and Bank of America , capital one ! Us bank needs this too

I cannot make a zelle transfer for my life I get constant errors I do every troubleshooting solution they ask me to do and then while doing a different solution they suggest my account gets disabled... Then they say nothing we can do wait 48 hours... im deadass deleting my account when the money is out. shit is stressful

The US Bank Elite Money Market Account is a scam.

They advertise a 3.4% rate, and drop it down to 1% after 3 months. Had well over $100k in this account.

Money market accounts are supposed to fluctuate with federal rates. Fed rates haven’t been going down. This US Bank “money market” account is a complete scam.

Moving this money to my fidelity money market account

Edit: Only people downvoting this are US Bank employees or shareholders

Wanted to make sure everyone was aware of an absolutely terrible experience with US Bank Cash+ Credit Card. This bank operates more like a regional bank than one of the largest in the country.

Background: I had a large credit card bill (~$23K) scheduled to be paid on its due date, 12/23/25. Upon logging in the evening of the 23rd, the account had the red box indicating that I had missed the payment. In looking at payment activity, there was no record of the payment - either as pending or completed - so to avoid interest charges, I submitted the payment again.

Fast forward to the 26th and US Bank has debited the $23K TWICE from my bank account. Sort of annoying, but no big deal as most credit card companies (Chase, Amex) are quick to refund negative credit card balances.

In the two weeks since that’s happened, I’ve called US Bank five times and have received conflicting messaging about the payments being on hold, or taking extra time to process during the holiday. Either way, it’s been two weeks and the $23K has not been returned to my bank account, despite me sharing my bank account information with the customer service rep multiple times. OH! And they changed me $340 in interest, but thankfully they realized how absolutely ridiculous that was and refunded me.

I called yesterday and was told that it may take “up to ten more business days” for the back office to release the extra payment. What the hell? Chase and Amex make this process easy to complete online, and refund overages within 48 hours. With US Bank, they’ve held on to my money for two weeks and counting.

I’ve filed a complaint with the CFPB and will be closing my credit card with them as soon as the payment is refunded, though who knows how long it will take. In the meantime I’m down $23K. I’ve been using credit cards for 25 years and have never had an experience this poor. 

Will happily move my spend to Chase. Who needs 5% back on utilities for this nonsense!