Has anyone here had both the Smartly Checking account and the Smartly Credit Card? Is having just those two enough to get the monthly fee waived, or are there other requirements?

This is my first time transferring a balance from a high-interest card (USBank) to another credit card company. When I click “Transfer Balance” it only gives me options to transfer my balance to another USBank credit card, when I’ve opened a Discover card for this very purpose. I can’t seem to bypass this in the app. If I can avoid wasting time on the phone talking to USBank customer service, I’d prefer to.

(Reposted)

Currently a rising junior at a semi-target T25. I received an offer from US Bank's Global Capital Markets Macro and Commodities group for SA27 in NYC. Assuming I get a return offer, I was wondering what the full-time comp would look like and how it compares to other banks.

I understand that US Bank is a regional/retail bank, so I don't expect BB or EB level comp. I know salary/comp isn't something I should worry about for someone so early in their career; however, I am a bit curious about it, and I couldn't find any relevant info on US Bank's career/salary progression. I also don't see a lot of info regarding US Bank since everyone is focused on investment banking at the BBs, EBs, and MMs when recruiting for internships.

Does anyone have insight into base, bonuses, and culture at US Bank?

Thank you!

I made 2 payment to my CC last week midweek, they took immediately out of my outside bank (I always pay this way). Yes, they took my money immediately from my bank account but it takes 8 days for US bank to post it as a payment.

Wtf is their problem, what takes 2 business days now takes 7 or 8. Like, post my payment I kinda care about my credit score and my CC interest

they had or have a zero interest credit card which I applied for and received and they sent it to me with a ridiculous $500 line of credit. normally any bank would give me at least $10,000 with the kind of FICO score I have now it’s you know in the excellent range so after six months or so I think this is dumb. You know I’m just going to close the card, but with that card, they waive the monthly service fee on a checking account that I had to open to get a safe deposit box that was the only reason for dealing with him is so that they were the only bank that had a safe deposit box near me so they after canceling the card they’ve continued to not charge me for the monthly checking account fee $12. I’m just hoping they don’t try to charge me in arrears in the future if and when they detect it. Thoughts?

Does US Bank still pay you if their equipment goes down and I have to wait for a new one?

I’m only in my 2nd week of training and apparently after a simple restart my PC has been knocked off the US Bank VPN and the only solution is to send me a new computer. Will I be paid for the time I have to sit and wait for the new computer??

My sup also has said that since I’ll missed some days of training they’ll have to move me to a later training. I’m so frustrated

Has anyone else had an issue where transactions are being duplicated in your 'pending charges' on your account? They do disappear after a few days, but in the meantime it causes my balance to be incorrect and can cause fees! I have had it happen multiple times in the past year and it is very frustrating! I also have the feature on my account where if a transaction would cause my account to go negative, it should reject instead of processing, yet, it doesnt seem to happen with these transactions for some reason. Here are 3 examples:

#1 - I purchased an item online for $50. The transaction showed up in my USBank account 5 times under pending, on a Friday. The bank said they couldnt do anything until it cleared, but it caused my account to be negative and caused fees and bounced payments for the whole weekend. On Monday, all 5 of the transactions vanished, but the fees remained. The phone rep on Monday was unable to see the transactions I spoke of, and could not understand or explain why my account had the fees. On their end, I had a positive balance on Friday, no transactions at all, and then the bounced fees and negative balance fees hit my account on Monday. The rep waived the fees.

#2 - My debit card was lost so I went to the bank and they canceled it and issued me a new one in September. I have a company that does a recurring monthly transaction at the end of each month. I had updated the card with them in September and their transactions processed accurately. I checked my bank account one Friday morning in December and see the transaction listed in pending 6 times on the canceled card. It is also listed once on the new card. I called the company who reassured me they only processed it once, on the new card, and sent me their receipt. They did not show the canceled card in their system anymore. They canceled the transaction. USBank said they couldnt do anything until it cleared, and the rep wasnt able to see the pending transactions on her side using the old card, but she did see my account balance was what I had in my 'after pending charges process' balance, which was negative and incurring fees. She also confirmed the transaction pending on the new card. She also verified the old card was canceled and assured me transactions would not go through on it. She confirmed that my account should reject transactions that would make it negative, as I had requested that feature. She was unable to reverse the fees at that time since they were also pending. She told me she would check it on Monday and would reverse the fees, but in the meantime, I needed to deposit money to cover the negative balance and fees to prevent more fees. I made the deposit, and my account was positive again. On Monday, the pending transactions vanished, but the fees were still there. The rep went in and removed the fees.

#3 - I had a PayPal transaction appear in pending on July 3rd. I contacted the company that created the transaction and canceled it. They refunded the transaction the same day. My bank account online shows the transaction occurring, the refund (both on the 3rd), but today there is another pending transaction for that payment! PayPal and the company I bought from does not show any new transactions, this is only on USBank's site! Again, pending on a Friday, so the reps cant do anything, yet my account will incur fees and will bounce payments due to my 'after pending transactions balance'.

Have had my checking smartly and cash+ combo for quite a few years now. The checking hasnt been my main account but its nice to have a local branch.

Recently noticed my monthly maintenance fees weren't getting waived and after calling, figured out my specific credit card isnt an option to cover the fee anymore. Called to close the account and had a negative amount of 1$ since I transferred most of my money prior and then another fee hit. The manager refused to waive the fee so I had to zelle over $1 to avoid collections.

what a terrible experience, can't say I will ever consider banking at US bank again. Even Chase has been better

I recently filed a dispute and got this letter after 3 days.

Our research is complete on the recent transactions you alerted us to on your account. We have included a list of the transaction(s) for your reference. The provisional credit we issued to your account for $386.75 is final. There are no further actions needed at this time.

Does this mean dispute is over and I won?

So long for story short, I set up my direct deposit for my new job with Paycom and connected it with my U.S. Bank through app to app to minimize mistakes on my end. I approved my check and waited for the direct deposit to come on Friday, which was payday, but I still have yet to receive any funds. Over the weekend my jobs HR did call me back and confirmed the routing and account number I submitted was correct but they told me since it’s the weekend that I had to wait until a business day to figure out much more. I also went into my bank that Saturday and they told me that I have no holds or restrictions on my account, but I also have no pending deposits. Because they are also confused, they also told me that it may take until the business days to come through, even though it should’ve posted already since Friday. My HR is saying that my direct deposit didn’t give them errors and it should’ve arrived in my account, but my U.S. Bank is claiming that I have nothing coming in but there’s also nothing there yet so I don’t know what to do. I called Paycom and they said they’re just a third-party and they have nothing to do with none of it.

I am currently starting a consulting business and I opened a US Bank business account. There's a nice bonus for receiving (making?) direct deposits:

It's not clear to me how to make a direct deposit (or receive one?) when I'm the business owner.

Does anyone have experience with this? What triggers the "direct deposit" criteria?

I use unique email addresses with my personal domain name for obvious reasons. Yesterday someone emailed the unique email address that only US Bank has (see below). Fraud Dept couldn't see anything in their system emailing me at that time. They asked me to talk to Tech Support. The rep from TS said she's transferring me to a supervisor, instead sending me to a recording that said "thank you for contacting the Solutions Group; we are currently closed" then the call dropped. Way to show you take security seriously...

My question: did you guys get a similar email from clouddevmail recently? Mine went to spam so maybe check there too.

In the meantime, I strongly recommend that everyone change their US Bank password to a unique one until we understand what happened. I'm personally also changing the email they have on file to keep a closer watch on old/new unique emails only they have/had... If hackers have compromised US Bank's internal systems (or some third-party vendor/subprocessor), they could potentially intercept their outbound emails, meaning they would have access to the exact account recovery code that was just sent to me.

Edit: As of now, haveibeenpwned reports "This email address wasn't found in any of the data breaches loaded into Have I Been Pwned". I get a feeling this is about to change in the next few weeks... Remember: that email address exists only on US Bank's systems (see below), and my double-secured vault on my phone.

I tried looking online, and read old reddit posts but it looks like there is some difference of opinion, and the latest dont know if it changed.

Any thoughts on what to do with these points? Whats the best value?

My phone number is currently registered with Zelle through my first bank. I use the same email address for both my first and second bank accounts, but that email is not registered with Zelle at my first bank. It is only used for regular bank notifications.

I’m thinking about registering that same email address with Zelle through my second bank. Is that allowed, or can an email address only be linked to one Zelle account?

If you have the Cash+ Card, or any of the similar cards where you have to activate categories each quarter, you know that they include 'TV, Internet and Streaming' and 'Home Utilities'.

I select these to include my home phone and internet provider.

Recently I've noted I'm not getting the extra bump I should have been. A Chat with CS revealed that my Telco is using MCC4814 which US Bank lists as Cell Phone and says is not eligible under either of those categories. They say I would need to select 'Cell Phone Providers'.

Digging further, I find these pages:

https://www.rapyd.net/blog/mcc-4814/

Recurring Phone Services: Monthly telecommunication plans, providing consumers with consistent connectivity

https://merchantcostconsulting.com/lower-credit-card-processing-fees/merchant-category-codes-mcc-for-payment-processing/

4814 – Telecommunication Services including prepaid phone and recurring phone services

https://www.citibank.com/tts/solutions/commercial-cards/assets/docs/govt/Merchant-Category-Codes.pdf

4814 Telecommunication Services including but not limited to prepaid phone services and recurring phone services

https://docs.fiserv.dev/public/docs/merchant-category-codes

4814 Fax services, Telecommunication Services

Anyone have a clue how to get US Bank to get a clue?

I'm very confused and hoping someone can help clarify this for me... Basically, I wanted to see if I was pre-approved for the Cash+ card, but now I'm not sure if I actually applied or not.

Does this mean I actually applied for the card? I'm not sure because US Bank had me fill out the last four digits of my SSN, my monthly housing costs and my income, but then this message popped up after I tapped the pre-approval button.

I'm hoping I applied and that US Bank approves me for Cash+ because I want to use it to pay my utility bills like electric/gas, cellphone, internet, etc. The 5% would be such a big help!

Unfortunately, I haven't received any email notifications about the status of my application yet (or if I even actually applied) and when I call the number the automated system says it can't find my application status yet.

Hello , was wondering if I’ve been the only one getting stuck at this screen and nothing passed it, I’ve been having to log into my bank account online, app has not been working, I have tried every trick in the book.

I am unable to book a flight and immediately get error when trying to pay. Does anyone else have this issue?

I’ve had enough, I’m closing my account. This is BS that they continue to force us to use the app more and more all while decreasing the amount of employees to assist!

I would not have deposited it in this bank because of the horrible service if the app didn’t tell me 5k would be available today.

Apparently it’s not true and us bank not standing behind their apps confirmation.

Phone support supervisor dont know how long it will take and can’t grant me access to any of it until it clears. They can just see that it’s “processing” and can’t do anything to alter it.

Almost 10 year old account, never had any fraud, and checks usually have initial credit with no hold. 2nd check I’ve deposited from same payer - multibillion dollar company.

US BANK IS GREEDY AND WANTS TO SECURE THEIR PROFIT AT THE EXPENSE OF CUSTOMERS!

It was my worst experience, they offer me balance transfer which almost like scam.
After balance transfer, I can not purchase anything otherwise they charge me 14% interest.

The bank keeps contacting me asking me to pay my bill, yet the account won't let me have full access once I login.

I'm able to login on a mobile or desktop browser, but am hit with we are "updating our system." This has been ongoing for at least 4 days. I'm unable to login to the mobile app, despite updating the app, and deleting/reinstalling it.

It's driving me mad - I logged in and made a payment last week. Stop contacting me now to pay when your trash system isn't even working!

Anyone have any idea how to fix this?