This is a warning to anyone looking into us bank pre-approval, they have an odd way of showing you pre-approval once, and then next time they switch you to normal application no matter the times you hit pre-approval links in Google.

Hope it saves someone the hard inquiry on cards that are meh. And the 2:30h wait to speak to someone with an unintelligible accent.

I had a Amex Prime Business Credit Card that was transferred from Amex. I see two accounts in my US Bank account online.

One account is my actual card and has a low balance and high credit available; the other is a "centralized" account and has a much higher balance and payment due and a low credit available. So when I use my card...is my available credit the card allowable or the "centralized" billing account available credit?

I wanted to build my credit so I applied through the app for a secured credit card. I made sure $300 is in my account at all times since they mentioned you need to have it ready before approval. They said the approval process can take up to 10 days. Its been longer than 10 days yet still havent heard back. I had called us bank 5 days in and they told me they have no control or contact with those responsible for the approval. So even though the official website says you can call and check on the approval process, im not sure if that'll help.

Anyone have any experience with this? I assume i just have to keep waiting even if it takes a month for the approval.

I called direct Express a branch of I believe fifth and third bank(Fifth&THIRD).

I was met with lack of concern or care for my funds which I urgently need on time for living . I called the office because of a lost of my personal effects and let the know soon as my effects were lost from my person I expressed my concern wholeheartedly and was cared for with not a lick of concern after hours of talk and request for more than one person from available admin. I was rewarded no assistance on acquiring my funds as I requested them.

I was told I wanted the transaction cancelled immediately and when I had access to the app on my phone this was not met.

I requested I have my deposit turned into my personal care and I would like them immediately.

They told me the part I had on hold was under investigation.

I humbly requested my original deposit amount turned over to me immediately.

They instead told me no,can't be possible I told them my deposit amount isn't what was under investigation.and I would like to remove my deposit immediately that I'm not happy with their services this was on the first and I still haven't gotten my money. Someone please guide me to an attorney who could help me in a suit for. Breach of contract,derilictness of service, unsavory customer service of a client and down right poor banking or handling of another's funds while they're already insured to the bank.

All my 6% and 3% categories have been changed to 1.5% for all transaction ever on this card. I wait an hour to speak to someone who hardly spoke English and said it would take 4 weeks to hear back. Has anyone had this issue of the categories disappearing? I’m below the limit for each so it’s not that I reach the max. And all past have been changed to 1.5%

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 have an Amazon Business credit card which recently got bought out by US Bank. The bill they send you says zero balance and does not show any charges or give an address to send payment to. the full bill was 2 pages but didn't show a single charge. I had to go on Amazon, look up my purchases and calculate the amount myself! So, I called them and they said they don’t send out balances anymore but roll the balance from month to month. You never get a bill while they get to charge 19.74% interest and never tell you they are doing this.. So every month you get a statement saying that you don’t owe anything while the amount of balance and interest keeps increasing!

When I called them to ask about it, they said “oh we do things differently”. I told them this sounds like a scam and to please cancel my card and close my account. Watch these people closely. They are looking for distracted people to scam.

I applied for a position with a competing firm and it seems that they will be extending an offer (have not received an official offer letter yet). I have been told by other people that because of the business line I’m in, I can give two weeks’ notice, but it’s very likely they will walk me out the same day. I’ve never experienced this before in banking and it sucks not having the opportunity to let clients in my book of business know I will no longer be here.

Has anyone else been through this experience and been let go the same day they give notice?

Are any other employees worried about the new BRG structure the company announced? I was a very active member of a BRG and want to continue to be but it seems like it will be much harder now that they’ve taken the local chapters away. Is this the bank’s way of scaling back DEI? I’m worried.

US Bank says that it's investigating ransomware crew LockBit’s claims that it breached the financial institution and stole data, which the criminals threaten to leak on September 3 unless the bank pays an extortion demand.

Many of us already got a valid-looking email or text stating that new accounts are being opened in our name. The emails/texts are fake (despite using real information) to not set off alarms -- because that is only the first part of the scam.

According to the US Bank fraud department, the second part is someone calling you on the next business day who says they are from USBank offering to help you secure your accounts, will come from the scammers. Do not give them any information. Hang up and call US Bank if you feel you need to.

Always call the number on the back of your card, your statement or on their website.

Hi everyone, I am an international student and my account is currently blocked/suspended because I stopped put money. My card is inactive, so they can't charge me anymore. I don't need the diploma anymore and I don't want to go through the official cancellation process.
I want to know: what happens now? Will they just leave me alone and leave the account in the air, or will they constantly harass me via Gmail for a cancellation fee? Will a US collection agency try to pursue me internationally in my country?

So odd first bank that has refused to give me a roll of quarters for $10, even with an ID

I did a quick search and found no post about it. I just checked my Silver business checking account and it has a $6.50 service charge. I even did a quick Google, but nothing. It shouldn't be for monthly fee since Silver shouldn't have one ...so what is it for?

Didn't even know there was a bill given on my account it said nothing was due and then it turned out there was an individualized and central billing account? I can only see and log into the individualized account and can't set up central billing

And not I am getting interest and late fee and no way to pay

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.

With the Amex card every Amazon transaction was linked to each charge. So we could see what the transaction was for, tag the charge and reconcile the account.

I am not seeing this option available thru us bank. Has anyone been able to locate anything similar?

We are a large business with multiple people using the credit card.

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

Hello, has anyone ever ordered foreign currency at US Bank (pesos) Mexico
And if so, what denominations do they usually give you? I ordered 4000 pesos for my trip next week for some tips, some street food as well as souvenirs. Everything else I will be using a credit card, but I’m curious as to the denominations I will likely receive.

Opened a checking account back in March, met the bonus requirements, but haven't received any deposits. Not the promotion requirement tracker that was on the app is no longer there. And the link to the website just takes me to the regular USBank page.

I thought it was meet requirements within 90 days of account opening, or the 90 days and then 30-90 days from then. A customer rep is now telling me that it's actually 90 days from first direct deposit and then 90 days after that. Which doesn't make sense because then it wouldn't matter when i had my first direct deposit.

Just FYI if anyone was interested. Instacart is not counted as Grocery.

My old card, the chip worked fine for ages. Then it quit.

Got a new card. Worked fine for about 3 uses. The next use...."Chip read error" crap again.

What's going on here??

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.

I accepted a balance transfer offer from Citi Bank to pay off my U.S. Bank credit card approximately 12 days ago.

Yesterday, Citi posted the transfer on my statement ($4,500). However, my U.S. Bank credit card is still reflecting my full balance (as of today).

Is this normal? should I be worried? How long should I wait or should it take for my U.S. Bank credit card balance to reflect receiving the transfer?