r/USbank

I recently opened a U.S. Bank checking account and I’m trying to use Bill Pay, but every time I open the Bill Pay page, I get the following message:

“We’re doing some maintenance right now. Please check back soon.”

I’ve tried both the mobile app and the desktop website, and I get the same message on both.
I also contacted U.S. Bank customer service, but they weren’t able to resolve the issue.
Has anyone else experienced this recently?
I’m mainly wondering:

・Is Bill Pay currently down for everyone, or could this be specific to my account?

・Is there any waiting period before Bill Pay becomes available on a newly opened U.S. Bank account?

・If you had the same issue, how long did it take before Bill Pay started working?

Definitely a 2008 sentiment about wishing I bought a house instead of being 3 years old…I can’t even say the altitude connect is the next best thing because it’s 4x on gas and travel only. AND the Kroger branded mobile wallet cards are gone too.

Very unfortunate but I guess the connect is what we’re going with.

I have a checking and savings at JPMorgan Chase and due to religious reasons I don’t partake in interest. I have a savings account to separate expenses and budget. Chase allows me to remove the interest does us bank have the same option?

Hi all - Looking for some input from current US Bank banking customers. I have had the Kroger Mastercard through the US Bank since college (10 years ago), but I haven’t really used it since I moved to Florida (away from all the Krogers). Since I previously couldn’t product change out of the co-branded card, and I’ve long been wanting a pure-play cash back card, I’m actually happy that the Kroger card has been discontinued and I’m being automatically moved to the Smartly card.

When I started looking into the Smartly card details, I noticed the additional cash back when linked to a Smartly checking/savings. I also noticed how high the Smartly savings rates are (around 4% in my area). That’s 1% higher than my current bank (Ally - also ~10 years as a customer). So for 3-4% cash back on the Smartly card and 4% on Savings, I’m considering the switch from Ally to US Bank. Plus the added peace of mind with US Bank having some sort of physical locations while Ally is only online.

Curious of opinions on customer service, app reliability, etc. I’ve only had to contact support at both institutions once or twice each in a decade about minor questions. I don’t have any specific complaints about Ally, it just seems like an enticing offer to have it all consolidated at US Bank.

Thanks in advance!

This is not meant to be a rant - more of a word of warning, here's my story over the past month:

I run a small non-profit choir that has to pay musicians for many of our gigs. We just did a gig with over 110 people all getting sub-$500 checks. We have been with US Bank for 3 years, with little issue. Within normal business operations I write a batch of checks to our musicians (which I have done quite a bit in the past). SO I wrote a batch of checks (about 30) and on deposit of the second check, the bank decided to "freeze" the account (without ANY notification). After calling over 72 hours I FINALLY got them to lift the freeze and had to reissue many of the checks (by hand, since we are a non-profit and it all falls on me). I told them which check numbers I was using and they promised they would not hold the account. I switched most of the other payments over to zelle and started doing those in small batches without any issue.

While doing this I had submitted a complaint to the enterprise department asking why they had frozen the account and why no-one could lift the freeze in a timely fashion, and why everything was so siloed no one knew if it was local branch, regional or larger fraud department. Their reply was simply "as we state in our TOS: we don't notify when an account has had a hold placed on it". No other "yeah, we found out the issue, here is how you avoid it", or "this is how you should do business with us when you do these events."

Today, I go to do my zelle batch and I can't get any zelle to work. I call a very nice and helpful customer service agent (not sarcastic, she was great), and she starts doing all kinds of work trying to figure this out - turns out the fraud department has decided to CLOSE THE ACCOUNT and I must go into my branch to close it - WITHOUT TELLING ME!!! No notes in the account, no email, no phone, not even a notice in my online account profile.

So now, I have over 60 people waiting on payment now for about a month, a bank I can't trust to honor checks, and no way for a complaint to actually get processed.

Do you think you should do business with US Bank?

I just can't wrap my head around how ANY bank would operate like this. Every other bank I've been with, sends a text asking if something is fraud or not, not some draconian decisions made by pencil pushers.... Bank Centric not Customer Centric...

Since they are closing my account for me, guess it's easy for me not to be a customer anymore. Good riddance.

My daughter has been dealing with an unbelievable situation with U.S. Bank for 3.5 months, and I’m posting because I’ve now found several other people on Reddit with surprisingly similar experiences. I’m hoping someone who has been through this can tell me how it ultimately ended.

I sent my daughter $4,010 from my Chase account using Chase’s external ACH transfer feature. The transfer was completely legitimate and authorized by me and was intended for my daughter.

The problem appears to have started because the ACH arrived at U.S. Bank with sender/name information that did not match the name on my daughter’s account. From everything we have been able to determine, this name mismatch triggered U.S. Bank’s risk review.

U.S. Bank froze her accounts and ultimately decided to close both her personal and business accounts.

We spent countless hours calling U.S. Bank trying to explain that this was simply a legitimate transfer from a father to his daughter. Different representatives gave us different explanations, and the customer-facing representatives seemed to have very little access to whatever the risk/back-office department was actually doing.

Eventually, U.S. Bank returned the other money in the accounts by cashier’s checks — approximately $26,000 from the business account and $275 of other funds from the personal account.

But they did not return the $4,010 ACH.

Her final U.S. Bank statement shows the $4,010 being removed from the account, but the money did not come to us and did not return to my Chase account.

We filed complaints with both the CFPB and OCC.

I also contacted Chase as the originating bank and tried to get the ACH recalled/returned. Chase eventually had me go into a branch and sign an indemnification/recovery form in an attempt to recover the $4,010.

About a month later, the Chase branch manager told me the request had been rejected and that there was nothing further the branch could do.

Then things became even more confusing.

I spoke with U.S. Bank’s Risk Department and was told that the $4,010 had not been returned because U.S. Bank was waiting for Chase to respond to paperwork they had sent.

I have contacted Chase multiple times, and nobody I have spoken with there has been able to identify any outstanding paperwork or request from U.S. Bank.

We then obtained my daughter’s Early Warning Services (EWS) consumer report.

That is when we discovered that U.S. Bank had reported her with the contribution reason:

“Checking Account Fraud.”

This was shocking to us.

There was no fraud. The $4,010 was my money. I authorized the transfer. It was intended for my daughter. Neither of us has ever claimed the transaction was unauthorized, and there was no stolen money involved.

As far as we can determine, the entire situation originated from the name information associated with the ACH not matching the name on the receiving account.

We have now formally disputed the “Checking Account Fraud” reporting directly with Early Warning Services. That dispute is still pending and EWS has not yet given us a decision.

Separately, we filed a new CFPB complaint against U.S. Bank specifically raising the EWS reporting and the unresolved $4,010, and we provided supporting documentation including the EWS report and the final U.S. Bank statement.

U.S. Bank has now responded to that CFPB complaint.

Regarding the EWS reporting, U.S. Bank said it reviewed the issue and determined that the information it reported was accurate.

However, they did not explain what fraud supposedly occurred or what factual basis justified reporting my daughter for “Checking Account Fraud.”

Regarding the $4,010, U.S. Bank finally made a much more specific statement in writing. They said that because they were unable to verify the remaining $4,010, they are:

“in the process of returning these funds to the originating financial institution.”

They also stated that this is a bank-to-bank process that can take months to complete.

So that is where we are now.

3.5 Months after this began:

U.S. Bank says in writing that it is returning the $4,010 to Chase, but Chase still has not received it.

Our OCC complaint also still shows “Review in Process.”

And we are still waiting for EWS to decide the separate dispute over U.S. Bank’s “Checking Account Fraud” reporting.

Since this happened, I have found several other Reddit posts describing U.S. Bank customers having legitimate deposits flagged, accounts closed, and funds held for weeks or months while branches and customer service were unable to get clear answers from the risk/back-office department.

That is why I’m posting here.

Has anyone experienced this specifically with a legitimate ACH transfer or check deposit?

If U.S. Bank said it was returning your money to the originating bank, how long did the bank-to-bank return actually take?

I’m especially interested in hearing from anyone who was reported by U.S. Bank to Early Warning Services as “Checking Account Fraud.”

Did you dispute it with EWS? Did EWS remove or correct it? If so, what finally worked?

I have kept the U.S. Bank letters, statements, Chase documentation, CFPB responses, OCC complaint information and EWS report. I am also considering speaking with a consumer/FCRA attorney because I am particularly concerned about the long-term consequences to my daughter of being reported for “Checking Account Fraud” when there was no fraudulent transaction.

If anyone has gone through something similar with U.S. Bank, I would really appreciate hearing how your case ended, how long it took to get your money back, and what happened with any EWS reporting afterward.

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. 🤙

I got two debit cards during covid for getting the vaccine. One has 2.5$ left and the other 25$ left. I can't believe I forgot I had them and now they're expired. One expired in 2024 and the larger one in 2025. I'm a bit strapped for cash right now so even 25$ would be nice to have, is there anything I can do? Or is that money gone?

I opened a Smartly Card in Feb of 2025. Credit score of 780+, 0/1/1 for inquiries, $110k TCL; they gave me a $500 limit. Put one monthly bill that would use 80% of CL, paid immediately when statement hit, repeated process for maybe 7 months, asked for a CLI, denied. Continued that process (since the bill was autopay), tried again at the 12-month mark, denied. Continued again, same autopay, just asked again. Denied.

I have $100k+ in SGOV in my US Bank brokerage, just to hit the 4% (since I was grandfathered into the first Smartly requirements).

It's comical at this point. I should just close the card unless anyone has any idea on how to possibly get a reasonable CL.

When I try to open a smartly checking account, it keeps asking me to create a savings account. Is this normal?

the suspect washed a check and looking to cash it in person and the bank says I need to file a police report against the perp? I’m not even there!

goodbye US Bank.

I started using US bank because I worked at Mcdonalds and they gave me a prepaid card, now i’m leaving Mcdonalds and I’ve been hired at a different place. I wanted to get the money sent to the same account which I put in the information and now it asked for me to identity myself so I sent the mail off to them. How long will it take for this issue to be fixed because my manager said the deposit information wasn’t working and im just overall confused why I am now getting asked to identify myself! Employees of US bank or ex employees please help!!!

I have a business savings account with US Bank where we keep our cash on hand. The account has been earning 3.5% interest since late last year. I understand the rate is variable but when I logged in I couldn't believe it had dropped to 0.5%!

No email or anything. Our balance hasn't dropped below the $100k tier for the 3.5% rate a single time. I enjoyed banking with US Bank as much as anywhere but I'm going to have to move on.

TL;DR 3.5% to 0.5% overnight no notice

Over the last few months, I’ve been dealing with my weekly paychecks posting to my checking account on either Saturdays or Mondays, with no apparent reason as to why it is changing. For years, I was consistently getting paid on Saturdays and now, without warning, occasionally my paycheck will not deposit until Mondays.

I’ve already checked payroll and nothing has changed in years at work. I work for a small business (less than 10 staff) and one other employee with US Bank said he’s having the same issue.

I called US Bank customer service to ask if anything had changed on their end, and the only answer I got was essentially “we cannot guarantee when your paycheck will post to the account”??? I’m sorry, but when I get paid on a Saturday, and then the next week I don’t get paid until Monday, I go an extra 2 days without a paycheck and it has put me in a financial hole, needing to take money from savings to afford basic needs.

Has anyone dealt with this or even heard of this? I’m seriously considering changing banks event though I have multiple CC’s and account with US Bank because of this. I don’t think it’s too much to ask for my paycheck to be consistently deposited…

Basically I found out today that USBank does not keep the cameras rolling in most us bank locations handling money and are rarely recording in us bank offices but rather can be enabled remotely by “security“ whatever that means. This info is not ment to be shared to assist with any crime(s).