U.S. Bank (U.S. Bancorp) Review

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1.5 stars
Average rating for this product is: 1.5 out of 5

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banker's Review of U.S. Bank (U.S. Bancorp)

21st Mar 2005

Overall Rating

0 stars
    Good Points

    None


    Bad Points

    Poor Business methods


    General Comments

    The U.S Bank has a great nack of charging you overdraft on pending payments. Say you use your Check Visa Card at a hotel and they run your card for 100.00 for room insurance. Now this charge is never going to go through unless you damamge the room but US Bank will show it as a pending withdrawal and this pending withdrawal effects your available balance which is the balance they go off of for NSF. So now you have 100.00 being taken out of your balance that means if you use your card later that day, for lunch say, and charge 10.11 they now say you are debiting 110.11 from your account balance... ok. But if your account balance was say 109.00, even though no money has been taken by the hotel or the diner you are given a NSF charge. Even after the 100.00 card falls off the pending status because it never went through you did not have enough funds in your account. That is wrong in my book and is why I took my money and left this bank.

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