This is the worst bank you can bank with. Their customer service is the worst I have encountered, I have had bad experiences with national banks, but this trumps it all. It is by far the worst I have come across. The 1-800 number for customer service (both bank accounts and credit cards) are a bunch of the most unprofessional goons I have ever come across. I believe their performance is graded based on how rudely they can treat customers, and this permeates down the line to the staff at the branch and even the tellers at the drive-through. They have been loosing customers and employees steadily, and I am one of them. Me and my wife, we had both our checking and savings accounts with them as well as 3 credit cards, well now we have no accounts, just the cards, which we won't ever use again. My wife had her account with them for 4 years, and joined her because of the convinence even though we heard a lot of not-so-good reviews. But while opening the account it was all great, however after the initial visit everything started changing, and now down the line it has become such a dreadful experience for both of us to bank with them. None of the departments talk to each other, nobody knows what the other department is doing, and the person who suffers is me, the customer. Their favorite line is NO, WE CANNOT DO IT; and it is NOT while we ask for a loan or a credit line increase that they say this, it is for any small thing that you call in to request them for.
Anybody who is considering opening an account or starting a relationship with US Bank, and is smart to search through the reviews before doing it. I have just one piece of advice, DON'T DO IT FOR YOUR OWN SAKE. It is not a pleasant experience and it only can go further down from here, we ran with our money to another bank, we had a combined income of around $6000 coming in every month, US bank is not getting that business anymore. They do think and they let you know that it is not a great loss for them, and trust me they don't shy away from letting you know the same.