How Can One Bank Be So Bad?

October 1, 2011

I have frequently lamented that my little community bank was raided by US Bank.  I have never been in the midst of such a cluster.  They changed all account numbers and offered a discount for check orders placed before September 15th.  So, I ordered checks for my business accounts.  The first set of checks was sent to an address from which I moved in December 2004 — of course they had the wrong address on them.  The bank reordered the checks and this time they arrived with the same color checks for both accounts and the incorrect account name on one of them.  So the bank reordered checks.  This time they arrived with the incorrect zip code on them.  So the bank reordered checks and they were correct.  In the meantime, however, the check printing company debited my account for the full price (no discount).  Then I received a bill for two discounted orders of checks with a late fee charged.  I went to the bank with all the stuff and pointed out my account had already been charged.  So the Bank contacted the check printer and to straighten it out, the check printer debited both accounts for a check order each.  So, more than a week ago I went back to the bank and showed the bank officer that they owed me for the original debit.  Thursday, I called the bank and asked if my account had been credited.  The bank could not figure out if they would be credited by the check printer or if my account would be credited directly.  I called back on Friday and was told it would be 7 to 10 business days before I was credited.  I pointed out it had been that long since I asked for the credit.  Bank officer said, but we just found out they will credit you directly so it’s 7 to 10 days from today.

Meanwhile, my ATM card on my personal account was declined — what the heck?  I check my account on line and there was plenty of money to cover the $68 I was trying to debit.  I tried the card again and it was declined again.  So, I called the bank which reset my PIN.  Today I performed the reset and took out some money to pay my house helper.  I looked at the receipt and today, suddenly my personal ATM card is tied to one of my business accounts.  There is no one to call on Saturday, but Monday, I will be at the bank when it opens and I’m not going to be nice anymore.

I really suggest you not do business with US Bank.


  1. jean from NM says:

    I have a friend who cashed a check from a friend, and when US Bank offered to provide her with her balance, my friend said “yes.” The balance she got, however, was not hers but that of the person who had written the check. May I suggest NM Educator’s Credit Union? I’ve had my business account with them and have never had a problem. Not even once in 15 years.

  2. Good grief. What a bunch of maroons! All contributing to a nightmare. It’s hardly like you are twiddling your thumbs, thinking “Gee, I can’t wait until I get to go back to the bank and fight YET AGAIN!!!!!!!!!!!!”

    SO grateful that we have a truly local bank!

  3. nancy says:

    Our little local community bank was gobbled up by Rabobank several years ago. All of the tellers, manager, etc. have remained local persons with only minor differences I can easily live with. Penni, I think it’s time to change horese. I know it’s a pain but jeez. It’s not like you hacen’t been done this road with this same bank before. Get out while the gettings good!