Complaint Review: US Bank - St. Louis Missouri

If you are a bank customer of the bank where the check is drawn, then you don't have to pay a fee to cash your check. If you are not a bank customer, then you do have to pay a fee. 

It doesn't matter which bank you reference, most of the banks charge a fee for non-customers. I know for sure BOA, Chase and SunTrust charge a fee to cash a check drawn on their bank. I assume US Bank charges a fee because you said they do.

If you had your bank account closed with a negative balance, then the bank would be able to offset their loss with another of your accounts. So, since you have no other open bank accounts with US Bank and you still owe for the negative balance on the account you (or they) closed, its a good thing they didn't cash your check. Just deposit the check into your regular bank account at your current bank and you won't have to pay a fee.

As to charging non-walking customers and not charging walking customers...don't be silly. The bank doesn't care if you walk in or not; they are a for-profit company looking for additional revenue from everyone! Why should you be the exception? 

There is no ripoff here. Well, not on the part of the bank, anyway!

You owe them money, and you are screaming ripoff?



You REALLY need to lose that entitlemet attitude.

Your personal circumstances are not a factor.

Nobody cares.



Banks cash checksfor FREE for CUSTOMERS.

You are NOT a customer.

You need to pay the fee.

Period.



Your account obviously was closed because you defaulted against the bank, right?



Why not just deposit the check into your new bank account?

(Hard to open another account when you are in Chexsystems, right??)



Don't like that $5 bank fee?

Try a check cashing store like Amscot, and tell me how that works out for you!



Loser.

"Ashley"

In the real world customers should be treated fairly.  However, if civil rights title VII can be demonstrated as appropriate to confront sub-prime lending practices during the mortgage crisis, it can probably be used to confront discrimination during rendering services.  In the real world hypothetically, if a bunch of disabled people state a similar situation of owing banking fees versus their walking peers in a similar situation of owing banking fees, but people who can walk have their checks cashed, then it can be discrimination.  However, in this world you are right blaming people for being poor is the norm, but thank god for class action lawsuits and mother theresa.

In the real world customers should be treated fairly.  However, if civil rights title VII can be demonstrated as appropriate to confront sub-prime lending practices during the mortgage crisis, it can probably be used to confront discrimination during rendering services.  In the real world hypothetically, if a bunch of disabled people state a similar situation versus their walking peers in a similar situation.  Then it can be discrimination.  However, in this world you are right blaming people for being poor is the norm, but thank god for class action lawsuits and mother theresa.

You mention owing fees to the bank and you mention your account being closed. Let me guess, your account is overdrafted and you owe money to the bank? Or something along those lines? The bank is absolutely right in refusing to cash that check for you unless you pay them the money that is owed to them. Your account is closed. You are not one of their customers any long and you owe them money. In what universe do you think the bank should cash that check? They don't care if you are unemployed, they just care that you owe them money.

Its also absolutely fair for a bank to charge a $5 fee to NON-customers for cashing a check. If you don't want to pay to cash the check, then you go to your bank to cash a check. Though I'm assuming yuo do not have a bank, since you mention being an ex-customer of U.S. Bank.