Leave a Review U.S. Bank Mobile Banking
Rewards Redeem Issues
I’ve had a credit card with US Bank for over a year and a half at this point. For whatever reason, it has never allowed me to redeem my rewards. Whenever I tap/click and get to the point where it’s supposed to load the next screen on my phone or computer, it shows a blank white screen with the “My Rewards” words at the top as it stays on that blank white screen and refuses to load… Almost like it’s intentional, as it’s never been fixed for me. Reminds me of how Lyft often overcharges by 5-10 dollars once you review your card on your Apple Wallet and then are forced to dispute the overcharge, which it then quickly admits the “system’s” error and refunds you…. Similarly with US Bank not going past the blank white screen for me as it pretends to be loading without any loading symbol.
I have tons of credit cards with many banks and my US Bank Cash + Visa Signature Card is my only card that does this out of my almost ten credit cards. I’m thankful I only have a balance on one card and always pay off my other cards in full. My Discover card has around 400 left on it, but this is still absurd, even for US Bank that’s known to be a bank for the impoverished like Discover and Wells Fargo. I mean, not even my Wells Fargo card does this… At least I know to never open another account with US Bank and to only use this card once every 6 months or so to buy pop at a gas station just to keep it active so they don’t close it on me...
Rant over.Show lessTater'21
BEEARE of mobile deposit fees
I loved the app until I tried to use the mobile deposit. I deposited a public school reimbursement check (as I've done many times before) and 3 days later moved it to savings. Then a full week later it flagged as not capturing the image correctly and was refused. Despite taking the original check immediately to the bank, I was still charged all kinds of fees including a return check fee and additional fees for overdraft protection activation plus interest!! The mobile deposit email said you can utilize money in 3 days! Since it had been a full 7 days, I was shocked when after all this I had to call customer service multiple times and spend hours on the phone to get fees reimbursed!! I didn't even have a transaction in checking or savings over that week so the only thing that caused issues was the mobile deposit and "refused check fees". When I asked why they didn't stand behind their email indicating the check cleared after 3 days, they simply said it was a guideline and I should never count on that time frame. Excuse me what should I do? Apparently mobile deposit is not reliable unless you can wait 10 days to use the money. I get mistakes happening but when they don't stand behind their own terms in writing, I consider it a problem. Predatory banking techniques like this are clearly established to line the pockets of banks while they take advantage of customers who don't know how their rights. From now on I'll just take the checks to the bank.Show lessLong time customer $
BEEARE of mobile deposit fees
I loved the app until I tried to use the mobile deposit. I deposited a public school reimbursement check (as I've done many times before) and 3 days later moved it to savings. Then a full week later it flagged as not capturing the image correctly and was refused. Despite taking the original check immediately to the bank, I was still charged all kinds of fees including a return check fee and additional fees for overdraft protection activation plus interest!! The mobile deposit email said you can utilize money in 3 days! Since it had been a full 7 days, I was shocked when after all this I had to call customer service multiple times and spend hours on the phone to get fees reimbursed!! I didn't even have a transaction in checking or savings over that week so the only thing that caused issues was the mobile deposit and "refused check fees". When I asked why they didn't stand behind their email indicating the check cleared after 3 days, they simply said it was a guideline and I should never count on that time frame. Excuse me what should I do? Apparently mobile deposit is not reliable unless you can wait 10 days to use the money. I get mistakes happening but when they don't stand behind their own terms in writing, I consider it a problem. Predatory banking techniques like this are clearly established to line the pockets of banks while they take advantage of customers who don't know how their rights. From now on I'll just take the checks to the bank.Show less