U.S. Bank

By far the friendliest bank I have ever been in, the manager greets all the customers by name and always had something pleasant to say. Even the tellers would greet me by name as soon as I opened the door to enter the bank. I have never had such friendly service by a bank. Mello Massalunga was the manager at the time at the Napa branch.

I have banked with Wells, BofA, and a number of other banks & have never had the problems I have had with this bank.
Employees of US Bank are trained to argue technicalities to take your money from you. The customer service with the call center is horrible!
This bank has the worst practices in the banking industry. Their policy is to debit the largest transaction first without respect to when it was actually charged then charge in order of highest debit to lowest to charge the maximum amount of overdraft fees. Also, this bank holds deposits and charges overdraft fees on held funds.
This bank will charge fees for authorizations and funds that are not actually nor ever posted to the account.
We spoke with a supervisor concerning an authorization which we did not authorize. The manager told us to call her back when the authorization or hold had been released to reverse 8 x $ 36 over draft fees. (All the time the money didn’t post to the account).
When the authorization or hold was released as a result of us going to Hertz and telling them they had made a mistake, they went ahead and took the hold off the account.
When we called the customer service manager back, he simply responded that the charge was valid and that they would not reverse any overdraft fees because it was not a banking error.
Finally, we were told that we could monitor our account with On-​line banking. We are terrified to charge anything with our debit cards and have been monitoring our account on a daily basis. All of the sudden we get an additional 12 x $ 36 & $ 15 overdraft fees + a $ 25 negative account fee, all the while our online account balance is showing more that $ 50 positive.
I went into the bank that day and deposited an additional $ 1,000 in cash. The bank would not reverse the charges despite me taking my laptop into the branch and showing them that the account never went negative.
The teller’s response was a shock to me and my wife. She said, well you can’t look at the online account balance because it is wrong. She said you have to click on each transaction to get the actual balance. The online banking site clearly says «Account Balance» when that is not the account balance. I feel that this is a ploy to intentionally mislead customers to incur overdraft fees.
Since November 15, we have incurred $ 786 in overdraft fees all while making several cash deposits a week. We found out that fees are charged retroactively when US Bank’s algorithm goes through and finds a way to make the account go negative to charge overdraft fees which throws off our accounting and as a result more overdraft fees are charged.
This bank has practices that amount to nothing less than fraud.

Good size branch, lots of tellers.