r/USbank

Basically it seems, as of ~4/19, like US Bank has reversed the app/website UI changes from September (e.g. see this post) and is once again showing the "+2% bonus" per-transaction, instead of as a big dump at the end of the billing period. Bogleheads seems to confirm this as well.

However, it also seems like they've axed the 2% bonus on Paypal (as was feared when the nerf restrictions were first announced). None of my Paypal purchases have had the "+2% bonus" added, while most other transactions in the same period have had it. Other transactions missing the 2% bonus seem to be AAA (membership, coded as "Financial" but they do sell insurance which might be the issue), and anything that codes as "Business Services".

My statement has not yet closed, so maybe this is just a glitch in the UI and I'll get all those points credited as before. Looking for more datapoints from folks to see if

1. they also see the "+2% bonus"
2. they receive the 2% bonus dump at the statement close, even for transactions without the above

Need help getting a U.S. bank account or finding an account representative who can introduce me to a bank. I already have a foreign-owned LLC and an EIN.

Please only comment if you've had a POSITIVE or (if negative) RECENT (preferably in the last 6 months or so) experience with the U.S. Bank / U.S. Bancorp investing platform. I read somewhere that they recently revamped their investing platform, but I've only really seen feedback from pre-2026 (most of which is negative).

Looking for honest, useful, DETAILED, recent feedback. Things like:

• When did you last use it?
• What type of account(s) do you have? (e.g. taxable, retirement)
• Do you do self-directed?
• What do you LIKE or NOT LIKE about it? (e.g, fees, interface, tools, etc.)
• Why do you CHOOSE or NOT CHOOSE it over another platform like Fidelity/Schwab/Robinhood?
• How is it for beginner investors?
• How is it for advanced / experienced investors?

tbh, it is pretty clear to me that you can't go wrong with Fidelity, and I certainly don't expect anyone to say USB is better. However, USB's Smart Rewards make it pretty appealing to me because uninvested cash in savings currently earns 4.0% APY, which slightly edges out Fidelity CMA (currently 3.26% 7-day yield). The catch is you have to maintain a combined balance (savings + checking + IRAs + taxable investments) of at least $100k. Pretty steep, considering Fidelity CMA is far less strict (just doesn't earn quite as much). But also, it's achievable if you already keep all your funds within USB anyway.

Anyway, I can be swayed either way. Just looking for feedback on recent real-world experience.

How much is the limit on over drafting? And the fee per?

Does anyone else think the $250,000 settlement fund is wildly low for how many employees are surely impacted?

https://usbank401ksettlement.com/

Thank you for closing my credit card out while I’m on vacation I’ve been a U.S. Bank credit card holder for over 4 years and today they have decided to abruptly close my account 0 out my available balance and the only information I can get from them is a letter in the mail in 3 bussiness days

Fucking joke of a bank customer service is a joke as well!

My payday is Friday, anyone else have the same? What time does it usually come? Thanks in advance.

I recently made a business account and I'm using the card reader with elavon that was included. I've signed in and made a payment. The payment has gone through into my US bank account but it's still saying I need to take a payment or else I'll lose ability to take payments and need to reapply. Any one know why this is

I opened my account on 05/05/26, did a mobile deposit to insert funds. After calling daily for about 6 days to verify my identity, it finally cleared.

(understandably because it’s a new account).

Today, I did a mobile transfer with my paycheck and they are holding it until 05/23/26. WHY? I went to the branch and they said it was because it’s a new account, and to not do mobile deposits anymore. I literally went through this last time.

The check is from the same company, like why are they doing this?

I’m freaking out because I live check to check and have $0.97 left to my name. My partner just got laid off so it’s just my income right now.

I’m currently at work, so I can’t call anyone, and frankly don’t need to be told they can’t help me again.

Should I just switch banks? What is going on?

I have the most basic debit account, with the card. I’ve never had problems with the bank or anything until now. It says my card is expired but it’s not, not until next year in April. When I go to use the app, my card isn’t even on there! What is going on?

I got both business cards recently and noticed the business triple cash card charges 3% foreign transaction fees, whereas the altitude connect has no foreign transaction fee.

I've had personal cards in the past where usbank added foreign transaction fees (e.g., the altitude go card started charging foreign transaction fees in the past 1-2 years) -- apparently notified me of this change but I don't recall this happening and found out after I already accumulated a lot of foreign transaction fees.

anyone know if they plan to do the same with the altitude connect card in the next year?

I'll been traveling internationally a lot in the next year and just want to make sure there are no surprises

I was just approved for the usbank smart account today, and I'm going for the $450 offer with a $8k deposit.

Based on prior posts, it seems an ACH works for the $8k deposit. Is there any way to confirm that I've satisfied the criteria after I make the ACH deposits just to make sure it still works?

Unlike other banks, it seems I do not have to maintain this balance for some period of time? You could literally make the deposits and withdraw the money?

This is the second month in a row that this has happened. You have to manually fill out the payment amount for a principal-only payment so I know there is no way that I'm submitting it incorrectly.

Has this happened to anyone else recently? I reached out to their customer service the first time to get it fixed but now I'm looking to take more severe actions.

Gemini lists a few options at this point:

1. Contact CFPB

2. Contact OCC

3. Submit a Notice of Error

But since LLMs are not foolproof, does anyone have a suggestion beyond that?

Any truth to the rumor US bank will end its partnership with Kroger?

I just got the US Bank Smartly Card because I wanted a 2% cash back card (Already have C1 Savor/Quicksilver and a Student Discover Card). So my original bank got engulfed by US Bank a couple years back so my checking/savings account are already US Bank. Is there any reason why I should or should not get the Smartly Checking and Savings if I already bank with US Bank and now have the Smartly CC. I would have between 10k and 20k in savings through US Bank no matter what.

Anyone have an issue where US bank ATM wont let you withdraw more than $500?

My limit has been the max $2000 since I opened the account on the app. I took it to another off brand atm and it said max daily limit?

Okay so, I’ve got a relative in Australia, who works for a company in the US. The company only pays its employees via Zelle. My relative doesn’t have a US bank account or any bank that uses Zelle . Can the money be put into my Zelle and then be transferred to my relatives Australian bank account without any issues for me? This relative has helped me a lot during my life and I’d like to be able to help them back when they need it. I just wanna know if I get in any legal trouble for this?