Complaint Review: Us Bank - Saint Peters Missouri

Obviously you're not aware of the bank's right to offset. This means that if you have two or more accounts with your name on them, the bank can legally debit one to even out a negative balance on another. Next time, I'd advise making sure the check clears before you arbitrarily spend money unavailable to you. As for notifying you, the bank will send you those white postcards through the mail, but if you're not home, what else would you expect them to do?

You spent money before the check cleared. You didn't check your available balance before you went off and spent yourself into oblivion. So why is USB the bad guy here? You were negligent.

I would like to say that I am upset with US Bank. So upset with them I at this time can not even go in to want they did to my family, and are still doing. My gut is in a upset state all the time because of what as happen to us. The whole thing with US Bank is they do not care. Even for the employees of USBank are looking on these web site tell that the bank know that they are stealing from good people. Not ones who go around and write bad checks. They the bank are not good people. For the record on one of the rip reports about USBank one of their employee even said (Basically they only oferred superior service to corporate customers, and the heck with the individnal). This pretty well says it all. Just think of all the money they are pulling in from the ways of the fees. Went you bring the problems to the bank they start with belittle, and turn their wrong to be all you doing. When this is far from being true.I want to say right here that not all of US B ank employees heartless. They do have bank employees who are seeing what the bank is doing and leaving, and the ones who just do not not what to do. They can see the problem. but do not know what to do about it.I am not talking of one thing that was wrong, but a lot things done wrong. We have lost thouands of dollars because of this bank. The same employee I was talking about up top said one more thing is true all the big banks are the same. The best thing for all if us the little people is one stop banking, and pay with money orders or bank with the little home town banks. They are still some of them around, but at lest you will be able to talk with the same persons all the time,and will need to call a phone number again. Debbie

My comment is short. I have been working for banks for a while. All I must include, and many do not understand this, but you are not supposed to POST DATE CHECKS. I have seen prolbems time and time again when somebody has post dated a check and it clears before it should. SAVE YOUSELF THE TROUBLE AND DO NOT POST DATE YOUR CHECKS. Thank you for your time.

I recently ran into a situation that was very similar to this situation. I am not sure if US Bank is the same, but my bank will allow me to use the same check # over and over again. They have explained to me that check #'s are for record keeping purposes only. This may explain why US Bank requires check #, $ amount and payee to be exact. I hope this helps you to understand why your bank could not perform the functions that you expected of them.

It was not clear to me which amount was truly correct for your mortgage payment check. It was also not clear whether you had any documentation of your stop payment request. However, I would like to inform you of something about stop payments that everyone should know. Many banks accept stop payments over the phone or through a website. According to law, a stop payment that is not physically issued to the bank IS NOT BINDING after, I believe, 7 or 14 days. A written and signed stop payment order is required to extend the validity of the stop payment to six months. All stop payments expire after six months unless they are renewed during the six months. You might have to wait until the sixth month to renew it for another six months - however, I am not sure if you have to wait until the end in order to renew. This is set by federal law. A bank does not have to accept them by phone or website. But the guidelines for all stop payments are set by law. The important thing to be clear about, however, is that banks are REQUIRED to do as YOU INSTRUCT. It is YOUR MONEY. You *do not* have to give a reason for ANY stop payment. They may ask, but there are no valid or invalid reasons. It's your money. This is the law. If you gave your bank a clear and correct stop payment order for the proper check - and they honored the check - THEY ARE RESPONSIBLE FOR THE MONEY. You ordered them to stop payment well before the federal requirement of "sufficient time" which is generally regarded as 24-48 hours. Personally, it seems to me that the check number would be sufficient to stop a check. When I read the laws on this, I did not pay attention to whether or not the federal government has mandated what information is required to stop a check... or whether they have instructed the banks to set their own policies about the level of detail required. Again, however, I think it's a strong argument that the correct check number is sufficient. There is only ONE check with that number... and if the amount you wrote is off by ten dollars, it should be reasonable for anyone to assume that there is definately a SMALL mistake here - and you DO WANT to stop payment - and to set it aside and contact you to be SURE! In conclusion, you gave them plenty of time. If you also gave them the correct information - you ABSOLUTELY are NOT responsible. It's THEIR mistake. However, regarding your other problems... you likely should talk to the bank manager and go around until you find someone that can understand that you were not informed of the change in the availibility policy. From now on, though, I suggest that you take the advice of a previous post and get the checks cashed, then immediately deposit the cash. Hope this helps.

It was not clear to me which amount was truly correct for your mortgage payment check. It was also not clear whether you had any documentation of your stop payment request. However, I would like to inform you of something about stop payments that everyone should know. Many banks accept stop payments over the phone or through a website. According to law, a stop payment that is not physically issued to the bank IS NOT BINDING after, I believe, 7 or 14 days. A written and signed stop payment order is required to extend the validity of the stop payment to six months. All stop payments expire after six months unless they are renewed during the six months. You might have to wait until the sixth month to renew it for another six months - however, I am not sure if you have to wait until the end in order to renew. This is set by federal law. A bank does not have to accept them by phone or website. But the guidelines for all stop payments are set by law. The important thing to be clear about, however, is that banks are REQUIRED to do as YOU INSTRUCT. It is YOUR MONEY. You *do not* have to give a reason for ANY stop payment. They may ask, but there are no valid or invalid reasons. It's your money. This is the law. If you gave your bank a clear and correct stop payment order for the proper check - and they honored the check - THEY ARE RESPONSIBLE FOR THE MONEY. You ordered them to stop payment well before the federal requirement of "sufficient time" which is generally regarded as 24-48 hours. Personally, it seems to me that the check number would be sufficient to stop a check. When I read the laws on this, I did not pay attention to whether or not the federal government has mandated what information is required to stop a check... or whether they have instructed the banks to set their own policies about the level of detail required. Again, however, I think it's a strong argument that the correct check number is sufficient. There is only ONE check with that number... and if the amount you wrote is off by ten dollars, it should be reasonable for anyone to assume that there is definately a SMALL mistake here - and you DO WANT to stop payment - and to set it aside and contact you to be SURE! In conclusion, you gave them plenty of time. If you also gave them the correct information - you ABSOLUTELY are NOT responsible. It's THEIR mistake. However, regarding your other problems... you likely should talk to the bank manager and go around until you find someone that can understand that you were not informed of the change in the availibility policy. From now on, though, I suggest that you take the advice of a previous post and get the checks cashed, then immediately deposit the cash. Hope this helps.

It was not clear to me which amount was truly correct for your mortgage payment check. It was also not clear whether you had any documentation of your stop payment request. However, I would like to inform you of something about stop payments that everyone should know. Many banks accept stop payments over the phone or through a website. According to law, a stop payment that is not physically issued to the bank IS NOT BINDING after, I believe, 7 or 14 days. A written and signed stop payment order is required to extend the validity of the stop payment to six months. All stop payments expire after six months unless they are renewed during the six months. You might have to wait until the sixth month to renew it for another six months - however, I am not sure if you have to wait until the end in order to renew. This is set by federal law. A bank does not have to accept them by phone or website. But the guidelines for all stop payments are set by law. The important thing to be clear about, however, is that banks are REQUIRED to do as YOU INSTRUCT. It is YOUR MONEY. You *do not* have to give a reason for ANY stop payment. They may ask, but there are no valid or invalid reasons. It's your money. This is the law. If you gave your bank a clear and correct stop payment order for the proper check - and they honored the check - THEY ARE RESPONSIBLE FOR THE MONEY. You ordered them to stop payment well before the federal requirement of "sufficient time" which is generally regarded as 24-48 hours. Personally, it seems to me that the check number would be sufficient to stop a check. When I read the laws on this, I did not pay attention to whether or not the federal government has mandated what information is required to stop a check... or whether they have instructed the banks to set their own policies about the level of detail required. Again, however, I think it's a strong argument that the correct check number is sufficient. There is only ONE check with that number... and if the amount you wrote is off by ten dollars, it should be reasonable for anyone to assume that there is definately a SMALL mistake here - and you DO WANT to stop payment - and to set it aside and contact you to be SURE! In conclusion, you gave them plenty of time. If you also gave them the correct information - you ABSOLUTELY are NOT responsible. It's THEIR mistake. However, regarding your other problems... you likely should talk to the bank manager and go around until you find someone that can understand that you were not informed of the change in the availibility policy. From now on, though, I suggest that you take the advice of a previous post and get the checks cashed, then immediately deposit the cash. Hope this helps.

It was not clear to me which amount was truly correct for your mortgage payment check. It was also not clear whether you had any documentation of your stop payment request. However, I would like to inform you of something about stop payments that everyone should know. Many banks accept stop payments over the phone or through a website. According to law, a stop payment that is not physically issued to the bank IS NOT BINDING after, I believe, 7 or 14 days. A written and signed stop payment order is required to extend the validity of the stop payment to six months. All stop payments expire after six months unless they are renewed during the six months. You might have to wait until the sixth month to renew it for another six months - however, I am not sure if you have to wait until the end in order to renew. This is set by federal law. A bank does not have to accept them by phone or website. But the guidelines for all stop payments are set by law. The important thing to be clear about, however, is that banks are REQUIRED to do as YOU INSTRUCT. It is YOUR MONEY. You *do not* have to give a reason for ANY stop payment. They may ask, but there are no valid or invalid reasons. It's your money. This is the law. If you gave your bank a clear and correct stop payment order for the proper check - and they honored the check - THEY ARE RESPONSIBLE FOR THE MONEY. You ordered them to stop payment well before the federal requirement of "sufficient time" which is generally regarded as 24-48 hours. Personally, it seems to me that the check number would be sufficient to stop a check. When I read the laws on this, I did not pay attention to whether or not the federal government has mandated what information is required to stop a check... or whether they have instructed the banks to set their own policies about the level of detail required. Again, however, I think it's a strong argument that the correct check number is sufficient. There is only ONE check with that number... and if the amount you wrote is off by ten dollars, it should be reasonable for anyone to assume that there is definately a SMALL mistake here - and you DO WANT to stop payment - and to set it aside and contact you to be SURE! In conclusion, you gave them plenty of time. If you also gave them the correct information - you ABSOLUTELY are NOT responsible. It's THEIR mistake. However, regarding your other problems... you likely should talk to the bank manager and go around until you find someone that can understand that you were not informed of the change in the availibility policy. From now on, though, I suggest that you take the advice of a previous post and get the checks cashed, then immediately deposit the cash. Hope this helps.

Before I begin, please allow me to assert that while I AM an employee of US Bank, the opinion(s) stated here are mine alone. I am not authorized in ANY way to be a spokesperson for US Bank regarding this matter. Thank you! Clearly, you misunderstand how the funds availability policy works. Dont take my word for it, go into any bank office (US Bank or otherwise) and request a copy of their funds availability policy. This can clear up any confusion. Generally, the first $100 of your deposit(s) in any given business day are made available immediately, with the balance available beginning the following business day. There are certain deposits that are generally exempt from this policy and they are cash deposits, wire transfers and direct deposits. For these types of deposits you are given immediate credit. In instances where you do not receive immediate credit for direct deposits WAY more often than not, it is the result of the direct deposit being sent late rather than the bank not posting it when they received it. With regard to clearing checks, any bank will clear them on the business day that they receive them and within a business day credits are ALWAYS posted before debits. However, there are some circumstances where a check you wrote *could* make it to the bank on one business day and your deposit the next even though chronologically you made the deposit first. Let me explain Say your bank has a cut-off time (a specific time at which the branches stop processing on the current day and then begin processing on the next business day) of 3:00pm. You make a deposit at the bank on Monday the 1st at 3:30pm (after the cutoff time) so your deposit is posted as of the business day of Tuesday the 2nd. AFTER you make your deposit, you go to WalMart and write a check for your purchase at, say, 5:00pm. Unfortunately, what *can* occur is that WalMart (like most retailers) has their deposits transported multiple times daily DIRECT to the banks processing center. Even if they bank with a bank different than yours it is possible that your check will clear on Mondays business date. Banks often have mutual agreements to process between each other with business day cut off times MUCH later than the branches (i.e. midnight). Therefore, your check was sent to your bank on Mondays processing date thus beating your deposit to the bank even though it was made AFTER your deposit. Now bear in mind that this is a rare occurrence, but can happen. The goal of which is not to make more customers overdrawn, but to make more efficient the check clearing process and two banks might exchange millions of items between each other each day. The bottom line is that as with everything you must be an INFORMED consumer. Understand how the process works and work accordingly. While OD fees charged by ANY bank may be egregious, they are one fee that is 100% avoidable. Good luck!

After spending months trying to figure out what I was doing wrong, I learned it was in fact the bank at fault. It has been proven that even with a government direct deposit on fridays will not post until tues. Also, I don't know how they do it, but they will clear as much as possible prior to a deposit. The ONLY way to make SURE a deposit will get posted in a timely manner,is to first..CASH the check at bank and THEN deposit. Works everytime! Good luck.

After spending months trying to figure out what I was doing wrong, I learned it was in fact the bank at fault. It has been proven that even with a government direct deposit on fridays will not post until tues. Also, I don't know how they do it, but they will clear as much as possible prior to a deposit. The ONLY way to make SURE a deposit will get posted in a timely manner,is to first..CASH the check at bank and THEN deposit. Works everytime! Good luck.

After spending months trying to figure out what I was doing wrong, I learned it was in fact the bank at fault. It has been proven that even with a government direct deposit on fridays will not post until tues. Also, I don't know how they do it, but they will clear as much as possible prior to a deposit. The ONLY way to make SURE a deposit will get posted in a timely manner,is to first..CASH the check at bank and THEN deposit. Works everytime! Good luck.

After spending months trying to figure out what I was doing wrong, I learned it was in fact the bank at fault. It has been proven that even with a government direct deposit on fridays will not post until tues. Also, I don't know how they do it, but they will clear as much as possible prior to a deposit. The ONLY way to make SURE a deposit will get posted in a timely manner,is to first..CASH the check at bank and THEN deposit. Works everytime! Good luck.

How is it the bank's fault that you spent money that wasn't credited to your account? Most consumers KNOW that deposited funds are not credited immediately, and that the bank must make sure the check is good. If the particular $1500 check was not good, the bank would be out that money. The only time my bank credits immediately is if I go inside and make a deposit in the form of cash. Checks can take several days to clear, and I know this and do not spend the money until it has cleared. As for the stop-payment, my bank also requires the check number, the person or business the check is written to, and the EXACT amount the check is written for. Without all 3 EXACT pieces of information, the check will go through, as you so painfully found out. This is also not the bank's fault. You did not provide the correct information. As you also so painfully found out, bounced check fees go up directly proportional to the number of bounced checks you have. I would suggest you get a better handle on your banking practices to avoid this in the future.

How is it the bank's fault that you spent money that wasn't credited to your account? Most consumers KNOW that deposited funds are not credited immediately, and that the bank must make sure the check is good. If the particular $1500 check was not good, the bank would be out that money. The only time my bank credits immediately is if I go inside and make a deposit in the form of cash. Checks can take several days to clear, and I know this and do not spend the money until it has cleared. As for the stop-payment, my bank also requires the check number, the person or business the check is written to, and the EXACT amount the check is written for. Without all 3 EXACT pieces of information, the check will go through, as you so painfully found out. This is also not the bank's fault. You did not provide the correct information. As you also so painfully found out, bounced check fees go up directly proportional to the number of bounced checks you have. I would suggest you get a better handle on your banking practices to avoid this in the future.

How is it the bank's fault that you spent money that wasn't credited to your account? Most consumers KNOW that deposited funds are not credited immediately, and that the bank must make sure the check is good. If the particular $1500 check was not good, the bank would be out that money. The only time my bank credits immediately is if I go inside and make a deposit in the form of cash. Checks can take several days to clear, and I know this and do not spend the money until it has cleared. As for the stop-payment, my bank also requires the check number, the person or business the check is written to, and the EXACT amount the check is written for. Without all 3 EXACT pieces of information, the check will go through, as you so painfully found out. This is also not the bank's fault. You did not provide the correct information. As you also so painfully found out, bounced check fees go up directly proportional to the number of bounced checks you have. I would suggest you get a better handle on your banking practices to avoid this in the future.

How is it the bank's fault that you spent money that wasn't credited to your account? Most consumers KNOW that deposited funds are not credited immediately, and that the bank must make sure the check is good. If the particular $1500 check was not good, the bank would be out that money. The only time my bank credits immediately is if I go inside and make a deposit in the form of cash. Checks can take several days to clear, and I know this and do not spend the money until it has cleared. As for the stop-payment, my bank also requires the check number, the person or business the check is written to, and the EXACT amount the check is written for. Without all 3 EXACT pieces of information, the check will go through, as you so painfully found out. This is also not the bank's fault. You did not provide the correct information. As you also so painfully found out, bounced check fees go up directly proportional to the number of bounced checks you have. I would suggest you get a better handle on your banking practices to avoid this in the future.

It is only a couple days since my original report and there at it again. This time I post dated a check to my mortgage company and about a week later i started to refinance my home with another company so i wanted to stop payment on the check because the new mortgage company was gonna pay the loan off in full. My original loan company said they would still send the check through because it wouldnt be payed off until a couple days after my payment was due. So i called my bank and put a stop payment on the check on the 25th and guess what on the 2nd they sent it through. When i talk to us bank rep. they said there is nothing they could do because the amount of the check was 1462.and i told them it was 1452. but they had the name of the company it was wrote to and the correct check number so whats the problem? now i am 1100. in the hole plus they are gonna charge me 32 dollars 12 more times for items that came through behind it you do the math. It just makes me sick the big guys have to suck of the little guys to line their pockets. can anyone help me????????