U.S. Bank Mobile Banking
reviews and complaints

As a customer of the bank, I have been pleased with the services and staff. I have had my account here for years (40+), even prior to the name changes. Although I have tried to keep up with the technology, every time the format of the site changes, I have difficulty completing tasks I have been familiar with in the past. This morning I received a notification of a deposit I did not recognize. As I referred to my account, I saw the deposit was for overdraft protection which I should not have needed. Searching further, I discovered my bill pay account had made a payment to my credit card service in an large amount I don’t typically spend, but had to the previous month. This same amount was paid again this billing cycle. The correct amount was set to pay in 2 days in addition to the excessive amount already submitted. I contacted the online assistance and received help from an employee who was patient, pleasant and very helpful. Even at that, it still took over 30 minutes to correct the error and repay the over draft which had already accrued $3.51 in interest in less than 24 hrs. I still had to transfer money from other accounts I have (a process I am capable of doing), to make up the difference due to the excessive payment paid in the incorrect amount. Since I am only paid once a month, which occurred just a few days ago, this error leaves me with minimal money in my account until the overpayment is reversed and deposited in 7-10 days. Although the customer tech rep. was extremely helpful and knowledgeable, I could benefit from some notice and/or instructions on changes to the app, so I can continue to use the services successfully. As a client who pays my bills consistently and prides myself on spending within my means, this snafu has created a month ahead for me with strict restrictions on my funds until the repayment can be processed and redeposited to my account. If the app is going to change it appearance and operation, it would benefit me, and probably many others, to know this is taking place and give me an opportunity to be aware of changes and look for assistance as needed. Not everyone is tech savvy enough to switch easily with the “upgrades”.

Only reasons not a five were two fold, can’t deposit digitally checks totaling more than specific amounts and difficult to access cancelled check that are dated. Very poor when working on taxes. Why I didn’t want to go paperless. 1.21.22. Same comments as before attempts to obtain copies of cancelled checks that are dated are a problem or you charge to access them, (or used to I have not checked recently) when paper copies were on hand without bothering us bank quick easy no charge Also on occasion your site is down, usually happens when I need access while figuring taxes. Paperless is not secure either Restrictions on amount and frequency of deposits also gripe me. I receive dividends on irregular basis, causing a trip to bank vs mobile deposit. As a private bank customer balances in 7 digits, I should be able to deposit large checks SAME AS ABOVE Add I have to repeat digital deposit, says problem on your end, this has happened a lot. A pain in the rear I think the app has gotten worse rather than better. Anybody reading my comments ? I think not Two stars now I can’t look at deposits as I can with canceled checks. Other issues remain as there was never a response to my concerns 7.5.22 Same problem as above, still can’t deposit larger amounts, ie receipt of dividends etc, went to local bank, closing walk up teller, drive thru a mess, down to one lane, with ATM clogging up the line. All I wanted to do I’d make deposit. As soon as competitor finishes rehab of there facility nearby, I am going to stop using your bank. Not once has anyone followed up or or asked if they could help. Customer service, US Bank fails on this one. Appears decision is made to close. Going paperless and restricting the time to access account info to less than 24 months is poor Never have received response to prior comments doubtful I will this time

The above was never corrected major headaches trying to deposit 3400 check I was told by your rep that deposit feature of the app will no longer work because my acid Trust account. I was told to go to bank and they would recode the account

I called local bank no one answered.

I tried the deposit today it worked after many fails is beyond me

First off, I am NOT giving this app ANY STARS! I have had nothing but problems with USBANK ever since I opened my account! I have had RIDICULOUSLY SEVERE PROBLEMS with their BILL PAY! To the point of it costing me SEVERAL HUNDRED DOLLARS! IN OVERDRAFT FEES, DUE TO THEIR PROBLEMS! Telling me I could do things on bill pay and then later come to find out after having to either call customer service or go in to my local branch OVER AND OVER AND OF COURSE GET DIFFERENT ANSWERS EACH TIME WITH NOTHING RESOLVED MOST OF THE TIME! Except me having to PAY MORE MONEY AND RUIN MY CREDIT EVEN MORE THAN THEY HAVE ALREADY! ...NOW since this latest SO CALLED UPDATE ... I had to try 5 times just for it to let me view the E-consent! Then it said I was not viewing and accepting the terms and could not verify 6 TIMES! And completely lost my login! Finally got signed on and then it would not let me see my account balance, said there was no history for this time period! So I logged out & TRIED to log back in and it kept saying could not verify my info AGAIN! 3 MORE TIMES! Finally let me in and then it showed me my accounts and the activity! SO I WILL TRY TO LOG IN LATER TODAY AND SEE WHAT HAPPENS... I'm not sure if I will ever give USBANK ANY STARS ON THIS APP OR THEIR SERVICE BECAUSE OF HOW MANY TIMES I HAVE BEEN LIED TO OVER THE PHONE FROM THE CUSTOMER SERVICE DEPT & STRAIGHT TO MY FACE AT MY LOCAL BRANCH! And only refunded a TINY AMOUNT OF THE FEES I HAVE OCCURRED!

USBANK need to not only fix ALL OF THE BUG IN THEIR OPERATION SYSTEMS ! BUT THEY NEED TO TRAIN THEIR EMPLOYEES TO HAVE RESPECT AND KNOWLEDGE OF WHAT USBANK OFFERS THEIR CUSTOMERS AND WHAT EACH PROGRAM DOES AND DOES NOT DO!

WOW! I guess I HAVE TO GIVE IT ATLEAST 1 star! Or they WON'T LET YOU COMMENT! Just know my comment IS NO STARS! They will have to do a complete overhaul ! And ALOT of changes for me to give ANY AT ALL ! REALLY BEWARE IF YOU ARE DECIDING TO UPDATE OR DEAL WITH USBANK! Some have had minor problems that I have read, BUT MOST HAVE HAD MAJOR PROBLEMS! But EVERYONE IN THIS WORLD IS ENTITLED TO THEIR OWN OPINION AND MAKE THEIR OWN DECISIONS! JUST BE CAREFUL THIS ONE COULD COST YOU A LOT OF MONEY!

Best bank app I have ever used!
I cannot believe I spent 55 years of my life not knowing about the amazing features that US Bank,Delivers as far as customer service!
Not onlyis my favorite local bank,Located on Broadway here in Escondido, above and beyond outstanding with the most superior customer service from the wonderful manager Monica to several of the workers who have helped us personally both Eudora, and Louis, we always feel like family when we come to your bank in person and your bank app and the features like always notifying the second anything is spent on my account is, is the most incredible feature that I love about your most incredible bank!
We have been military people all our lives and have gone both with navy federal and USAA bank, but neither of those banks after the one on one personal service or the ability to be notified the moment a withdrawal has been made from your personal account!
I truly cannot say enough about your app about your bank about the superior customer service and about how sad I feel for all the military people they don’t get these incredible benefits that you US BANK offers!
I would rate you five stars but that feels so incompetent in comparison to my 55 years of banking not only with the military banks but with every other bank I bank with along with Wells Fargo and Bank of America and Chase all combined…No one even comes close to comparing to your outstanding services and I am so thrilled to know that you are throughout the United States as I will not always be living in Escondido and would be planning to move this upcoming summer!
No like I said five stars is an adequate I would rate your bank about 20 stars if I was able!
Never been more pleased with the bank in my lifetime and that is no exaggeration thanks again US BANK keep up the great work!
⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️ 20 STARS IN EVERY DEPARTMENT!
Thanks again for once again bringing banking back to how it should’ve been and was in the old days and then even upgrading that by a ton had to take this time to let you know that there’s no one quite like US BANK and I will never be banking with another bank as long as I live! Thanks again US BANK you are truly the best bank out there!

To the poor employee that reads this I apologize
This is meant for the higher ups and under writers
Not you,
I have been a customer since the bank was called St. Paul. I got a divorce because my job was making me miserable and unbearable. I decided to start my own business which is about to really take off. I asked you for a loan in august you told me no. I ask what I need to do to get one. YOU told me I had to much unsecured debt. I said okay my ex-wife is going to keep 2 properties what does she need to refi you said again no unsecured debt. I got my half of the divorce in cash and going based on your advice paid off $130000 in unsecured debt. Cars credit cards loans I wiped the slat clean know and counting on you keeping your word to me. I called when I was set for the loan. I even had to title to 2 cars I offered as collateral. You said you would give me the very small amount of money switch you could have taken one of the car titles for but you said I didn’t need collateral. So I was confident that that money was coming in I needed it to build a website. After about 10 days while I working I started to wonder what happened and I called to ask and you said I had been denied. Well I was surprised to say the least because I get at least 2 emails from you everyday and a denial was never one. I go elsewhere for the business loan I now need only to be told that I have adverse action on my btw well over 700 credit score so I check with trans union out of 8 hard runs on my credit 4 of them are you including you running it twice the day I called the other 4 were all other lenders and 3 approved me and I have since paid the back with the exception of a car loan the last one turned me down because my own bank had 4 times I have not received a letter at all.
I trusted you for 22 years
The account I have is new because I gave my ex the old one
You can look at my credit history and see I am a man of his word. I have never even been late on a payment and my business will take off. I have my credit frozen from you now I will speak with a lawyer the credit bureaus people Facebook Instagram I will convince my wife to take her refi elsewhere. A small portion of my life will be spent trashing you. And being difficult at every opportunity.
Go “;::’b yourself
You’ll know my name

I love the app and have been using it for years. Generally speaking it’s perfect, everything I need in a mobile banking account. The reason I finally decided to give a review is because I recently set up a new savings account using the app. Setting up the new account was quick & easy, again, perfect & 5 stars.

The problem & reason for the 1 star is the app, and apparently US Bank, refuses to allow people not to set up Zelle. I do not want Zelle & I have ZERO intention of signing up for it. I also do not have Zelle on my other accounts - or if I do the banker set it up for me without ever asking or even telling me - but that option isn’t allowed when you set up a new account in the app and US Bank & their app will not consider my account set up until I sign up for Zelle. Using the app now is fully tedious & extremely annoying. Every time I first log into the app & everything I do in that account has to go through a pop up telling me that my account isn’t set up. The pop ups even say my account balance is $0.00, despite that very much not the case. At least once I get into the account it tells me the real balance, but to be honest I’m very nervous that US Bank is somehow holding my money hostage because the pop up appears to say until I sign up w/ Zelle I don’t have access to the money in my account. I refuse to sign up to Zelle specifically because I don’t like the idea of making it easy for someone else having access to my bank accounts. It’s also threatening me with fees if I do not sign up for Zelle. All Zelle is is transferring money from 1 account to another. Something you can do with the transfer function that’s already fee free. Including transferring between 2 different banks. So does that mean US Bank is going to start charging me a fee for not using the same service they offer but under a different name? Because no thank you, I’ll switch banks. I spoke with a banker at my local branch, something you’re not supposed to have to do when you’re setting up a new account on the app. That person confirmed my account is set up & there’s nothing more I need to do. But not according to the app. The direct deposit pop up that I was required to set up has the option to say you don’t want to set it up & counted that as “done” for the set up steps. Why can’t the Zelle option do that?

If you EVER find yourself saying the words, "hmm... maybe I should open an account at US Bank" STOP and punch yourself in the face. US Bank is AWFUL. It's extremely difficult to transfer money between your US Bank account and an external account (unless it's one of their 6 partner banks - which several of the major banks are not) and their account management system is terrible. For instance, 3 months ago I went to use my card at an ATM and found that it was cancelled. When I called to inquire, the representative informed me that fraud had been detected on the account and a new card was on the way. Really? Fraud? Thanks for letting me know before deactivating the card! Sounds like something I should be kept in the loop about...

YESTERDAY I went to withdraw money from my account and found that the card had been deactivated AGAIN. Apparently it had been reported missing. Want to know who reported the card missing? So would I - cause it WASN'T ME. When the phone representative tried to find when the missing card was reported, he couldn't. There was no date associated with it. I'm gonna guess that's because THERE WAS NO REPORT. The best part is that they're unable to overnight me a new card because I've recently moved and they're unable to overnight cards to "new addresses."

I should have prefaced this by explaining that my US Bank account is my personal account (I have a joint with my husband at Schwab). So, I decided to move the money from my US Bank account to an individual account that I opened with Schwab. Well guess what - it's a PAIN to transfer money to an external account. You literally can't move money from your account to another without going through a ridiculous system called "ClearXChange." Yes. You have to set up an intermediary account to move the money from US Bank to your other accounts. While it's not super hard, it's dumb, unnecessary, and super inconvenient. And you can only move a limited amount of money at a time.

Did I mention US Bank's insanely high foreign transaction fees? They'll charge you $10 per ATM withdrawal - and that's NOT including the ATM fees... that's literally just the fee from the bank. The only place US Bank actually exists is in the midwest (Mostly Wisconsin, I believe), so fortunately most of the country has been spared their [censored]tyness. The only reason I have a US Bank account is because 10 years ago I lived across the street from one in Milwaukee. Ugh... they're awful...

New update: They keep changing the location of the logon page and now if you click search Google for U.S. Bank blog on a bunch of results come up but when you click on them old is the sales pitches to sell checking accounts and CDs and savings accounts and mortgages no logon information. Oh yeah it does say logon at the top of the page but when you click on that whole thing just grays out oh now I found it at the bottom of the page very small in the footer says account logon and it worked finally. HEY! US Bank stop trying to sell us stuff at every turn and allow us to logon. Fast

Old Update. Poor customer service. Poor app performance. Bottom line I called a few months ago to complain that the new app is not showing all payments made to a certain card so evidently no payments were made one month because of this. And without any warning or notice they reduced my credit limit on that card without any chance to appeal and then customer service bouncing from one person to the next just saying there’s nothing they could do because she said I changed the payment to zero and I kept telling them no I didn’t! Check the call notes from me I complained that i couldn’t tell if a payment was scheduled because the new app was not showing it properly. The service rep at the time I complained said many people are having the same problem and they were fixing the app soon He assured me the payment was scheduled but now i find out it wasn’t. Customer service today just kept repeating the same thing. “you changed the payment to zero “. I escalated to a manager who just said he couldn’t help me. Again I escalated so he transferred me to wrong dept, they transferred me to a number that no person or even robot answered. It’s like the contracted a 3 rd party tp take these calls. The app is usually ok. But just like their fancy new ATMs it is very very slow. Hint, concentrate on performance over adding new feature that slow everything down. Speaking of new features, your new assistant is just what I need, another Siri that doesn’t understand anything. A few more new annoying things. I mean features. When you hit the back button it goes all the way back to the home page every time instead of to the previous step or page. Very aggravating when your working in bill pay for instance. Another is there’s no option I see to list all my billers. All I see is scheduled and recurring. How about non scheduled non recurring? That said, it’s still a better bank then wells or bofa.

If this app is indicative of how poorly this bank operates (spoiler: it is) stay far, far away. I was asked to rate this app after 12 full hours of not being able to log in. Shockingly, as this is nowhere near the first issue I've had with this app or this bank, it's not a great review.

Once I asked if I could please have a one time larger deposit limit to deposit a check to buy a car. The woman on the phone couldn’t help me; she had to call the DISTRICT MANAGER of all the Seattle branches. (I live in North Carolina.) She promised me she’d get back to me by Friday... two months ago. I think she might be dead. Maybe the District Manager ate her? Someone should check on her.

Anyway, this is one of those apps that is constantly updating so you can’t find anything, but it still can’t manage to operate properly. Logging in? Forget about it. And please, no touch ID, that's far too complicated. Check deposit? No way, taking a picture is obviously rocket science. Want to see what you spent your money on? They'll lump PayPal payments together, giving you a free-of-charge heart attack that someone's making hundreds of dollar payments from your PayPal, instead of simply putting them separately with the amounts you'll recognize.

My absolute favorite is when they turn off your card for no particular reason about every three weeks or so. See, they can't grasp the concept of "I travel as my job" (many seemingly basic concepts are mind boggling for this company) and instead turn off my card at the most inopportune times, such as when I'm stranded in West Virginia- took two hours and four phone calls to get my card turned back on that time! How dare I try to buy a car part for my broken down car with all my possessions inside, as I was moving states? What was I thinking, trying to use my own money from my own card with my own PIN? I've certainly learned my lesson! Most companies have figured out text messages for potential fraud- not this one! Apparently if they've flagged your card as too risky (because I travel and have told them I travel) they just go ahead and turn that off and refuse to turn it back on! Thanks, guys. Love your super secure phone system for approving potential fraud (how do you not recognize my PIN every single time?) That gives you such gems as "restaurant. One dollar." Uh, sure? Could ya possibly be more specific?

Anyway, this app is about as helpful as the company- not at all. If you have accounts here, close them. You're welcome.

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I can’t say enough how much I love this app. Who knew I’d be using a banking app nearly daily? Explanation follows or scroll down to get to the nitty-gritty. Sadly, because this is the only bank I have that charges me monthly fees and is the only bank that had me spend a lot of time filling out online savings application only to be told the following day that they do not do those online, I will seek one last time to rectify these personal and subjective to me issues before closing my account (my family and I opened our first US Bank account shortly before PCSing to Hawaii-about 2010). Most people can avoid the charges by keeping X amount of money in the bank, but I have two other banks due to a car loan and work, it’s simply impossible for me anyway, as I barely earn minimum wage and have no roommate to share costs... ANYWAY When I first started with the app, it was everything you expected. There was nothing wrong with it and no one realized how much it could-and would do. All of a sudden it was for more than checking your balances. You could transfer money to your cards, to bills, and later, to your friends WITHIN SECONDS. You are able to deposit checks into your account AND not have to wait ten days or pay a fee. You can check your rewards and transfer them (so grab a Signature card!). NOW, you can check out and shop new cards and loans (be wary of the quick loan-I urge you to look at the interest rate and ONLY do it if you can pay back ASAP). Need cash? Easily find a bank/ATM location. One thing that’s extremely useful, especially if you want to go from no credit score (520) a year ago to very good (741) even while earning barely anything, are the alerts you can set up. YOU choose what dollar amount your account can fall to before you are notified (I’m on $200 for checking and also alerted for when I’ve used 40% of my credit). Security alerts are a no-brainer and US Bank is as good as any bank in that category. Back to balances, you can also check your transactions, which is great to keep up on subscriptions (I’ve read they’ll soon give you insight on your subscriptions but I’ve yet to see it myself-it’ll be really good in this day and age). Also, I believe they’ll be/or have and I’ve not noticed, remind you when an upcoming regular bill comes up. On your loans/credit cards, you can pay the balance, pay the minimum, or choose an amount. Also, you can see your STATEMENT balance AND your actual balance for that day. That’s all I can think of off the top of my head. Send me some good luck, wishes, prayers, and vibes that I can stay with this bank, after all, we’ve grown up together.

So the app is alright but….in my opinion the bank itself is a majorrrrr issue my husband had an account set up for him when he was a kid he called and asked what he needed to be able to access what is his……the guy told him that he is the primary account holder and all he needs is to go to our closest branch show his ID and possibly his social card….we drive around an hour just for them to tell him “its your account but you need a document….ur deauthorized as a signer” we explained that his moms roommate was calling and pretending to be him to make changes they still say “well you need a document from your mom or have her come in” now….his moms ROOMATE is the one calling and acting as him with just his name,bday,and social…..my husband brings in his iD,social,birth certificate,work id,marriage license,and atleast 5 pieces of mail and still gets told he camt have access but his moms roomate can over the phone? We leave call customer service..was on the phone for hours at a time….not only did the normal reps say he shouldnt be having this issue but atleast 15……different fraud reps said the same exact thing…..he explained to the branch that his mom couldnt come in due to medical issues and they say “well get the document from her” how is he supose to do that when the person commiting fraud and identity theft lives there? He told the branch…..many many reps (mainly fraud reps) what was happening and nothing changed…..we got ahold of an ambassador who was just as flabergasted on what was going on he reached out to the district and regional manager to teach out to my husband the ambassador informed both to not contact a specific number on there because its the person actin as my husband…what do they do u may be wondering wellllll my husband gets a call from the guy saying he spoke with them and get this all he needs is a document….its one thing to be speaking with someone not knowing there acting its another when u have been informed time after time after time honestly in my opinion they are just as in the wrong as the person acting as my husband….at this point we are speaking with lawyers and have made a complaint with FDIC in hope my husband will be able to get access to whats his and close the account and never have to deal with them again………in my opinion i wouldnt risk allowing this place to hold my funds cuz theyll gladly hold it but they may hold it a little to hard even from you…….oh and before you start wondering how we know for sure the guy is and was doing this….we have texts where he said he was along with voicemails so yeah in my opinion use this bank at your own risk…..oh and the ambassador stopped answering us to so yeah amazing

Update 1 I still love the app for the most part but I just made a check deposit and it’s not showing as pending. When I look at the list of mobile deposits it’s there, but it’s not showing up in my transactions. This is very disturbing! Update 12 This app is wonderful. I can deposit checks from home with my phone and it’s simple and easy. So convenient and welcome in this time of COVID-19. It’s not perfect but it works really well and I use it regularly. It does what I need it to do and more. I rarely have to go to the full site unlike many other apps (Amazon, PayPal) which don’t have full functionality on mobile devices. I’ve activated a debit card, changed my pin, and a lot of other things. This is a really good app. I still don’t like how the search function works but it does work so I can deal with it. —————————————- I wish I could give the app four and a half stars. I having been using this app regularly for years now to access both my checking account and my credit card and as each new feature is added I find it more and more useful. For example, I just tried depositing a check with the app for the first time and it was fast and easy. I verified it appeared immediately on the full web site in my laptop. (I use the app on an iPhone 8S with the latest software updates installed.) I’m able to do most things that I would do on the full website from changing my pin or activating a new card to sending money or paying a bill. I can even order a new card so I can change the design on it. I also feel that it is secure. I’m notified if a login from an unknown device is detected even if that is a device I’ve accessed with before just not in the past couple of months. I’m logged off after a few minutes inactivity. The app also allows me to login with Touch ID if I choose. The reason I docked a star is that the search function doesn’t work well at all and it’s something I really need. For example, I have a recurring payment to another bank for my car loan. Let’s say this bank is called poodle credit union. When I do a search for this bank I get a screen saying no results found yet I go back to the list of transactions and it’s right there. But I have to manually go through them to find previous months. Sometimes it will find the latest one but not previous payments. I’m also seeing a bug today where I go into manage my accounts and instead it’s just a message about using Shared Access which is not even slightly of interest to me let alone set up. Another problem is that it’s not always easy to figure out where to find where a command or feature is and I end up plowing through menu options to find what I’m looking for. Overall though, I’m quite happy with the app and find it very useful.

Everything is perfect about the app, UI that was recently updated looks amazing, the features are top shelf! I could only suggest to use an Authenticator app as a stronger layer of security because text message authentication will not help in a case of “sim swap” attack, however an Authenticator app will prevent an attacker from gaining access. This is a weakness for most banks, however there are some that do offer it, US Bank is a great bank and I’m happy to be a long term customer, until I start seeing things that are a concern, yet I’m pretty hopeful that US bank will go above and beyond with their security for customers and 2FA Authenticators will become available! GO US BANK!
Edit: Yet again, another smooth day with US Bank, if you’re looking for a bank that has it all, or just want to open a second or third bank account, don’t hesitate if you do your research well you will see for yourself. Every day I’m convinced that these guys have my back, they’re organized and really do care about the customer experience, if you are a person who does most of their banking online, their APP is probably the best of all the banks I’ve been with, and that’s a lot. They really took mobile banking to the next level. However the one downside that I’ve noticed is this, if you can avoid visiting their store branches like the ones at a grocery store and whatnot, avoid it, I have an actual US bank location near me and the experience I had at an actual real location that’s not branched out at any of the grocery stores is big, the branch locations near me the employees don’t seem to care much, ive noticed concerning things when I would visit a branch, wont get into details but now I only visit their non branches locations and my accounts have been without any worry. It’s not all branch locations, I’m sure I just landed on a bad day and was unlucky timing maybe, but nonetheless US bank is great, ive yet to deal with any fraud instances and I pray I never do but this would be a deal breaker depending on how they manage the situation. I have faith in them. I hope my long review helped just even a little bit, excuse my lack of proper grammar and speech I tried to do my best. Definitely a 5 star rating from me, and if there were more stars, I’d include them. Good luck everyone and may your financial decisions be full of wisdom and good choices, trust is a major area for me when it comes to banks, you’re trusting someone to hold your finances, if you don’t really care much about that well that’s okay I suppose but I do care. Thanks US Bank. I’m not an employee or in any way being paid for writing a review, I bank with them and that’s all, I love to root for companies that seem trustworthy and if it’s close to me and something I use or support, I am always the biggest fan lol. Have a blessed day/night!

I am updating a 3rd time now. Reducing rating to 1 star. I’m convinced by the 100’s of 1-line ratings that these are either employees or people responding to are questions to rate without trying to use full functionality of app.
IT NEVER WORKS! Always the same message for MONTHS now. “Oops! There’s a problem on our end. Try again later.”
The new bill pay, especially for internal USBank accounts is terrible. What used to be 3-4 clicks is now 8-9 clicks for the same thing. Inefficient and NOT an improvement at all. It’s as though the developers said “Let’s see how busy and inefficient we can make this.” The visual aesthetics of the app have continued to improve. The simple, intuitive completion of primary transactions for which one uses the app has only gotten more complicated. As a reminder: this is realized only on the times you can actually sign into the app. BEYOND FRUSTRATED after giving it a chance for months.
———
STILL, after latest update, continue to get the SAME screen multiple times when trying to sign in - “There’s a problem on our end. It shouldn’t last long, so please try again shortly.”
Yes, I know there’s a problem on your end because I’ve been getting the same message for more than 2 months and multiple updates.
Why can’t you get it fixed?
I desire the app to work and grant access when it’s convenient for me, the customer. I may not be free to “try again shortly.”
My basic credit union app works fine why can’t a large bank figure this out.
Unfortunately, not sure how much longer I’ll have patience though I’ve been with USBank more than 20 years. Just too frustrating.
————

“There’s a problem on our end. It shouldn’t last long, so please try again shortly.”

Repeatedly, almost daily, multiple times a day when trying to sign in I get the above message. This has been happening for more than 3 weeks now. So frustrating as I never had this issue before the app update. I’m at the point of switching accounts for an institution with an app that works. I can’t play these games when I have 5 business accounts, 2 personal accounts and various credit lines.

Revised review down to 1 star! Please fix the app. Your improvements and updates have created a recurring problem.

——————-

3review: The latest app refresh is fine. Not sure how much changed other than colors and navigational processes. Basically, have to learn different ways to do what app before allowed me to do while looking at an even brighter blue screen. Why 3 stars...I can not stand the “Insights & Updates” function. It is POOR placement and design. Mobile screen real estate is valuable. Having ONE MORE THING, is not a plus. PLEASE give option to turn it off or make it go away. When scrolling thru accounts if your finger catches it, it pulls that up rather than continue scrolling. It’s usually just my last 5 transactions and sales ads anyway. I can see those by going to my selected account. PLEASE, PLEASE, PLEASE give the option in settings to disable this function or remove it altogether. Thank you!

I have wonder if these app developers actually ever really test or use their own apps? Seems like every time they update the app they screw it up some how. Now when I attempt to login it forces me to use a verification code that is sent to my wife’s phone and won’t let me select a different number or authentication method. Sorry but, I’m not calling my wife every time I want to use the app. This doesn’t happen when I use a browser to access, but even that system has problems that limit you in what you can do...won’t let me change a recurring bill payment. Seems like more and more I have to resort to my PC and browser to do what I want despite US Bank trying to add more features to the app. Seems like they attempt to add more security features each time, and although I appreciate their intent, they seem to make it more difficult for legitimate users and screw it up almost every time. And there is no easy way to provide the developers feedback. I think this must be by design since they would look bad to management with all the negative feedback they would get every time they screw up an update. The other thing I hate about the updates is how they will change the interface for no apparent reason, just like Microsoft office. Thankfully they have let you revert to the old system for a while so you can learn the new one at your convenience. Their browser based system nia PC is pretty descent, but has its flaws. Some are mentioned in other reviews, but mine are I can’t transfer to external accounts without paying a $25 convenience fee, and there is no way to track your spending like other bank apps. As a bank they are average, but they are horrible to deal with when they screw up and they screw up way more than any other bank I’ve used when it comes to IT. When we we first opened an account they were in the process of merging systems across new bank chains they were acquiring. They ended up issuing our account number to another client. $2500 quickly came out of our account from the other client paying their bills. Despite the obvious mistake, they were going to hold that money for 60 days while “they did an investigation.” We had to pay the branch manager a visit with a printed copy of all the obvious evidence to get the money returned. We were stuck with them since we had just RD I aced our mortgage with them. However, they proved to be a descent bank after that, not great but descent. Having our direct deposit checking account and mortgage with them, we get free checking and no overdraft fees. The downside is the way they manage overdraft accounts is archaic, and inconvenient. The only accounts that can be used for overdraft is a dedicated credit account or a couples savings account, you can’t use another checking account...like a business account. So if I’m not careful, I can overdraft or even bounce a check even though there more than sufficient funds in other accounts to which they won’t allow me link for overdraft. Zelle feature is great when it works, but don’t count on it using recurring payments. So overall they are ok and certainly better then Wells Fargo, but still have a ways to go before they are really good.

Revisiting this review after a couple more years. It appears that the software dev team has really stepped up their game and really upgraded the app. The sending money and bill pay features have substantially improved in terms of function and ease of navigation. I did have one remaining gripe on how it appears to not be possible to update the address on a bill pay recipient, or when the address is supposedly updated, it does not display the new address. Workaround was to just make a new bill pay from scratch to ensure the new address would take. Anyway, the overall user experience is quite decent for day to day banking.
——
I’ve used this app for years now and have been otherwise very pleased with how well it works. It’s generally very stable, intuitive to navigate, and pleasing to the eye. I just recently started using the “Send Money via Zelle” feature today, which prompts this review and the correspondingly low rating. I’m hoping this gets flagged and they can hire some developers to push a fix. The Zelle interface is infuriatingly bug-ridden and barely usable. When I first went to link my phone #, which was not recognized, despite being already in the US Bank system, I clicked repeatedly thru 3 screens. Each time it almost completed but sporadically “reset” itself and returned to the first screen, causing me to restart the process. After 6 attempts, it somehow managed to not spasm itself to death and I succeeded in linking a phone. Then I tried adding a contact to receive money. There is a button to import contacts, but repeatedly mashing it did nothing, so it’s presumably just for show. Manually adding a contact was also a fairly dumb process since the recipient email or phone is not inherited on the next screen for notification of the sent payment. My favorite part was when upward scrolling was disabled on that screen, preventing you from accessing the top boxes for the recipient first and last name after proceeding too far down on that page. I guess since it at least worked, that’s a win. All fine and well, went to pay a recipient. Apparently there’s a hefty 3-5s lag between clicking the amount screen and actually being able to type an amount, unclear why it’s glacially slow. Another fun thing: there’s a fairly large box to add a note on the nature of the money you’re sending, but it’s limited to some pitifully small number of characters (15 maybe?) enough that you have to convert your message to some kind of millennial twitter speak to fit it in. There’s no indication of a character limit anywhere, it just stops taking input. Finally, when it came time to make a payment, it threw one of those “There’s an error on our end” messages and died in spectacular fashion. After four more tries, it got into its groove and decided to send money. It would have been faster to send a wad of cash via carrier pigeon. The irony of this is that I just updated my US Bank app today with the promised update of “huge improvements to the Zelle interface” so I’m guessing one of the API developers just bungled the unit testing in spectacular fashion. Someone needs to go back to the drawing board on this one, since the backend code is Stone Age compared to PayPal or similar. Epic fail.

Respectfully Gentlemen:
Specifically addressed to Mr Andy Cecere, Miss Kate Quinn, and ESPECIALLY addressed to Mr DOMINIC VENTRO, Mr JEFF VON GILLERN, Mr TIM WALSH,
and cc, Mr Elvis Barcelos, Miss Jodi Richard,

Much has changed under the new leadership of Mr Cecere, to which me and, I proffer, numerous other USB Corp shareholders, customers, and others… DEFINITIVELY applaud and THANK YOU for (Numerous Claps and Smiles).
HOWEVER, Much more is, undeniably, desired by the aforementioned People. PLEASE, HIGHLY CONSIDER THE FOLLOWING (much thanks and gratitude):
1) To many times your system is down. Trust Us, WE KNOW.
2) Mortgage payments tab ONLY allows “ Additional Potions of JUST adding $ To Principal balance. Not anything else like Escrow and other places, as it says you can. Trust, WE KNOW.
And… NO One Cannot, from the “user end.”TRUST US, and try such thyself, WE KNOW.
3) Integration of numerous products has yet to be fully implemented as cn happen. Trust US, WE KNOW.
4) During a Change of Name, ie Marriage, your online, app, etc. doesn’t NOT always get changed, nor, ESPECIALLY, do other Products like ones USB Serviced Mortgage. Trust US, WE KNOW.
5) Train frontline employees about the Differences in Apple, Google, Android, and any other product that Consumer use and How Notifications, etcetera affect one’s ability to see a BUBBLE or a CODE that must be given to USB that allows CO-BROWSING. Trust Us, WE KNOW what we are told that DOES NOT WORK and what does. MANY OF THE CSR’s DO NOT KNOW THIS… WHY?!
6) When one pays their Mortgage on the app or via online… Your internal system generates a FAUX message like this:

7) Please think about how those who cannot afford to upgraded Phone or Tablet, or Seniors who tend to not upgrade their products.
WHY? your APP, and I quote: “*If you have an iPhone 5S, iPhone 6/6 Plus, iPod Touch (6th generation), iPad Mini 2, iPad Mini 3 and iPad Air you won’t be able to update or use the app, as Apple doesn’t support iOS 13 on those devices.” Respectfully again, but SERIOUSLY… that doesn’t make it easy for the above mentioned people, in any way, whatsoever ‼️

8) Moreover, Gentlemen and Ma’am… The above mentioned systemic failures, lack of Total or at minimum Digital Integration does not ACHIVE a Higher participation that saves USB expenses in having less CSR’s and related support items. That’s Profit or Reduced expenses (capital spent wrong, IMHO - P&L) That is being missed out on.

There are a PLETHORA of other issues that could take up many more Pages or Characters that I HAVE NOT EVEN ADDRESSED, NOR MENTIONED TO YOU. BUT, NONETHELESS…
If the intent of USB is to really to achieve strategic goals and objectives like, and I quote: “ … driving strategy, transformation, analytics, communications, marketing, branding and reputation management,” USB has much more room to dramatically improve in SUCH.

Lastly, much appreciation and much Gratitude for the changes that HAVE occurred, already.
Our best to the entire USB Team and especially to those who have the Power to implement further needed Changes.
Merry Christmas or Happy Holidays to all.

Respectfully Submitted by US Marine Disabled- Retired Spouse, many others (proffered) and Me.

The app has the needed functions, but it’s the logic behind the scene that both the mobile and online apps follow. These apps don’t follow the checking 101 rules that the bank says use to keep your check book updated.

US Bank’s customers are charged $36 a pop for overdrafts that these apps create which could easily be prevented if, but that would greatly reduce the MILLIONS of $s (guess) in revenue generated from the over draft charges that US Bank receives.

Trust me, if any one knows it would be me. It’s April and I’ve already been charged over $1,100 in overdraft charges and last year I was charged thousands of $s more.

You would this that a customer oriented bank would help the customers having financial issues instead of punishing them and making money off their customers problems.

Here’s how they generate this additional revenue from their customers:

(1) Automatically Paying bills that are scheduled to be paid even when the customer doesn’t have sufficient funds in their account. This immediately generates a $36 charge to the customer when they already were short on funds. This is done by the logic behind the apps without the customer’s approval or knowledge.

(2) Over statement of the Customer’s available balance in their account. When scheduled to bills are paid electronically directly to the customer’s payees the funds are immediately subtracted from the customer’s available balance, but if a paper check is being mailed it isn’t removed until the payee deposits it in their account and it makes it way back to US Bank. Now everyone knows when you write a check you subtract it from you balance. But when the apps due the amount of the available balance isn’t reduced. If the customer goes to with draw money from an ATM their available balance is over stated, that makes it easy to withdraw money that the bank has mailed out checks for and isn’t really available. Boom another $36 for every check that the withdraw created the insufficient funds situations. There nothing like have three $16 checks come and they end up costing you $52 each because of the overdraft charges.

(3) Changes made via the mobile app chasing the wrong scheduled payment and making the change to the wrong payee. If you have two $50 payments going to the same payee on the same date and you change both of the to a different date and amount the mobile app will sometimes change the next scheduled payment listed to a completely different payee. Yes, I’ve had it change a $25 payment to a $500 payment, but I caught it. It was the $600 one that I missed.

As an application programmer with 40 years of experience It would be so simple to resolve #1 and #2 by just changing the apps to reduce the available amount when any payment is made either electronically or via mailing out of a paper check. I’m sure customers have way less paper checks that do t get cashed than they do paper checks that the bank mails out. It would just because simple debugging of the mobile app to fix and correct 3.

I’ve had to remove all my reoccurring bills because the apps are nit smart enough to keep my account from going into the red, but that’s $36 income for US Bank.
The $36 is a huge over charge in the first place. Bank when the was more manual labor when someone overdrew their account it may have cost the bank some money on an overdraft, but in today’s world it’s all automatic and pure profit for the bank.

Be careful if you use the app and get you an Overdraft protected account. They have these you know, I accidentally discovered this after thousands of dollars in OD charges. Even nice if someone at the bank would have called and told me about them. I would have saved lots and lots of money.

If US Bank needs assistance resolving these issues I’m available for $360 and hour.

Sincerely,

Ricky Dan Minton

The updated app is definitely much better than the previous version. With that being said, some features are still missing if US Bank is going to complete with dozens of new banking startups that offer checking and savings accounts with no fees, no minimum balance, no charges for using other bank’s ATM, no foreign currency exchange and on the top of that they have between 1.90% APY and 3.10 APY on Savings as well as an average of 2.10% APY on their FREE checking. If I had to pay to have an account with US Bank, there’s no way I’d ever bank with them. But, I got their free Platinum Banking Package consisting of Platinum Checking and Money Market accounts with a regular Visa Debit card. I’ve had these accounts for about 4 years now and every year, few times they release and update about how they’re starting to charge fees for cashiers checks which were free for Platinum Checking Account holders. When I opened these accounts, I was shocked that they were charging $3.00 to use mobile check deposit. Now it’s free and they’re using it in their advertising like it’s some huge deal that makes them special. They also started charging for checks (for Platinum Checking customers.) I’m not too affected by that since I don’t recall the last time I used a check to pay for something. They only two good things about US Bank is that they make the first $200 immediately available after you make a mobile check deposit using their mobile banking app. And the second thing that is good about this thing is that it is partnered with Zelle which allows you to send receive money in real time. Cost-wise, they’re expensive and don’t get anything out of it except a couple of hundred bucks off the closing costs - if you have Platinum Checking. It’s so not worth the monthly $25.00 fee. For that same fee you can get Sapphire Banking at Chase which is one level below concierge Private Client Banking and they get everything free including automatic NSF waiver. I’d ditch this thing and go somewhere where they don’t nickel and dime their customers. Charging a fee to replace a debit card? Come on! That’s nothing less than extortion. I’m shocked they don’t charge for the air you breathe inside their shrine/temple, aka branch. As for the app itself, it’s getting better, but the app is still not intuitive and sometimes it takes forever to find the function you need. However, the mobile banking app assistant is absolutely worthless. If they’re trying to mimic Bank of America’s mobile banking app assistant “Erica,” they still have a long way to go. There is a lot of room for improvement.

1. Contacting customer service: It would be nice to be able to send a secure message to customer service instead of having to call every single time for any issue. My small credit Union and literally every financial institution I have my money in offers this, why not US Bank?
2. Adding a payee by snapping a photo of the bill would also be a useful feature that is rather common with other major banks. Even my credit Union has this feature.
3. Add the ability to categorize transactions (add and change categories) so that customer can get a picture where their money is going.
4. Increase the amount of the available funds after mobile check deposit. Again, my credit union makes all the funds available immediately after mobile check deposit.
5. Brokerage accounts and online trades are even worse. I tried using it, but it was to complicated for something simple as placing an online trade or purchasing stocks. This feature needs to be rebuilt from the ground up and the separate app they have for online brokerage account needs to be eliminated.
6. Add the ability to send a domestic or international wire online.
7. Add the function to order foreign currency and have it delivered to customer’s home, not just pick it up at a branch, especially considering that some customers (like former State Farm Bank customers who had their deposit accounts transferred to US Bank) do not live in the area where US Bank has psychical footprint and actual branches.

Overall, US Bank is a solid financial institution that offers pretty much everything a person or a business may need. Sadly, their obsession with charging a fee for everything and routinely refusing to waive some of those fees (NSF charge, replacement debit card fee) and the fact that the fees are higher than what their competitors charge does not make them competitive in the age where there are so many options for banking, or popular among middle class people who can’t afford to pay $25 a month just to have an account (Platinum Checking) that’s the only semi decent checking account US Bank offers. And finally, they really need to revamp their online and mobile banking to at least match the apps and online banking of their competitors, namely JPMorgan Chase, Bank of America, Wells Fargo Bank and many smaller regional banks such as BB&T (Truist) or PNC Bank.

I love US Bank. I have been with them for over 10 years and have never had any major issues and when I do have an issue, it is resolved immediately. Excellent Customer Service! Was so helpful when I was traveling abroad to have access to US Bank ATMs and not have to deal with exchanging currency at no additional cost to me. I LOVE the app WHEN it is working the way it is supposed to. The Zelle feature allows my partner and I to send money back and forth for bills, etc and notes can be added making things easier to track. When you send money with Zelle, it is usually instant which is great for emergencies. Love that the app tracks my spending habits and it is so easy to see at a glance - I also get alerts when something is “out of the ordinary” so I can address right away. Love that the app sends me an alert every time I have a payment go out or have deposits come in and it is usually instant. As soon as I get done using my debit card, my phone dings. HOWEVER - both the online banking website and the app have been SO INCREDIBLY GLITCHY lately and it has caused me some major issues at very inconvenient times. I have been very patient because this was so out of the norm, but it has gotten to the point that I cannot rely on online banking the way I have become accustomed to and it has now been going on for months. I have had to pay additional fees with vendors to have things go through more quickly and I keep getting re-directed back to US Bank because the issues have been confirmed to be on their end. Really hope that they resolve this soon because I really don’t want to switch banks, but it has gotten to the point that the frustrations and the additional time (that I really don’t have) necessary for very BASIC functions is so incredibly frustrating that I am considering it.

I don't normally write reviews of apps. But this update is so frustrating... I have to let someone know.

1) Why does it take so long to log in? The whole log-in is clunky and old. Remember, less is more. We like simple, clean design now.
2) The fonts and everything is so oversized.. I can't see all of my accounts and cards quickly like the old version.
3) Transferring between accounts takes way longer than it used to.
4) You tried to let me personalize the background color to be "cool" but it doesn't even let me change it.
5) The side bar menu is a waste of time. The old menu was quicker to use. One tap lets me pay my credit card or transfer. Now it takes more taps and processes, plus it's slower.
6) Everything is ugly and over-complicated.
7) The non-contrasting color scheme makes it hard to find information quickly.
8) I have to make multiple clicks to see my recent transactions. Ughhhh...

My advice:
1) Let there be an option to switch back to the traditional view. PLEASE!
(For the new version)
2) Let users change the font sizes or something to make everything not so huge and annoying.
3) Move the menu back to the bottom of the screen. That was sooooo much better.
4) Make it a simpler and cleaner design.
5) Change the color scheme on the view accounts- there's too much blue. It's hard to quickly glance at the totals.
6) Get rid of the stupid menu options when I click into my account. When I click my account, I want to see my transactions, not a menu to then see my transactions.
7) Stop copying other people's designs. Why do I need to see a photo of myself when I log in? And why does the greeting take up half the page. I know who you copied off of... *coughCapitalOnecough

This update is like so redundant and frustrating. I can't even stand to log-in and look at it.

U.S. Bank you need to bring back the voice assistant on U.S. Bank mobile app it is really easy to use because I have a disability and it’s really easy to use on the US Bank, mobile app when I need to put money into US Bank please bring it back to the US Bank app and it makes it more easy when I walk my debit card or when I need to use Apple ask questions it makes it really easy in the U.S. Bank app when the voice assistant was in the US Bank app. Please bring it back to the US Bank app and never get rid of it from the US bank mobile app, I am disappointed that you got rid of it from the US Bank app you should never get rid of it. It was a really helpful feature for me. Please bring it back to the US Bank app. it was actually very helpful for me. I am disappointed in U.S. Bank mobile app. I really liked it. The feature was helpful. It was easy. It was really easier than most bank apps. I need you immediately bring it back to U.S. Bank camp. I am disappointed in U.S. Bank. I live in Minnesota. I am so disappointed in U.S. Bank. You need to bring the feature back because it’s a nice feature to have in the US Bank app. I am very disappointed in the U.S. Bank mobile app. you should never got rid of that feature for someone that has a disability. that is wrong and I’m really mad at U.S. Bank. if you don’t bring it back to U.S. Bank app, I am going to close my account and leave U.S. Bank. but with the voice assistant in the
if you bring the feature back, I will stay with U.S. Bank. I just want you to bring the feature back. It was really helpful for me in the US Bank app when I need to ask questions with my bank. I am filing a complaint with U.S. Bank. You need to bring the app back immediately. put it back in the app immediately. that’s all I need. Please bring the voice assistant back in the US Bank account.

I have been with US bank for 15 years with a stellar history and steady income. I moved to an area where there were not any banks close by, and received my first paycheck in check form since there was a month delay on getting direct deposit set up. I requested an increase in the amount that I could deposit on my mobile device. They told me shouldn’t be a problem, they’d put in a request and it would take 3 days to process. 4 days later I called to check on the status since I hadn’t heard anything. I was tossed back and forth between departments, each claiming not to be responsible for the request. I was then told it could take 14 days. So I waited 14 days, and still received nothing. A few days after no returned calls and no answers, it was the first of the month and all my automatic payments went through, causing me to overdraft since I couldn’t deposit my paycheck. Finally someone said it was denied a few weeks ago (thanks for telling me) due to a history of less than 10 months with US bank, and since I hadn’t deposited a check that big before. I called and told them I’ve been a member for 15 years and had just received a raise (why would that matter?). They said well now that I had overdrafted I wouldn’t be eligible for an increased mobile deposit. I explained I wouldn’t have overdrafted if I could’ve deposited my check like I had expected to be able to 3 weeks ago. They said “sorry.” Unbelievable. I could have remained a member forever with the technology that we have now but because of their incompetence I overdrafted and had to switch banks. Their loss I guess. I’ve had family members with other terrible experiences, including having their account frozen for no reason while at our cabin 2 hours away, causing them to get stuck there without enough gas to get home. They are fine until you have an issue and then they are worse than worthless.

I got confused as my zelle payment said it would transfer in 1-3 days. So i tried again and as I tried it said it was on its way. That is confusing This was from last time I guess I forgot to press send. This time everything seem to work fine so far. I love Zell except when it screws me up and doesn't send the money right away I think it will probably work better today that was an old comment that I thought was sent along time ago. Needs a little more instructionThe above was a previous comment that I must’ve failed to send —————— February 7: everything went smoothly today. Thank you. However, may I suggest that you slow down the error informationThe flash is on the screen, as I am visually impaired and I’m sure I’m not the only one, but I have no idea what it says because I can’t focus that quickly.A better suggestion would be to have an audio description that says what’s the problem isSimultaneously with the videoPapa. This is certainly a modification that would be in compliance with the Americans With Disabilities Act to make your website accessible to blind and visually impaired people. I see enough to be able to do this, but I can’t see fast enough to do it without a struggle. I would be happy to help you solve this problem if you are interested. Visually impaired and blind people can do most things thanks to technology that allows us to more fully participate independently. Nancy Dippold April 20, 2022 since I am visually impaired, I have difficulties fully sighted people do not have. For example centering the check can be very difficult and I had to try them quite a few times to get it right. I’m not really complaining I just wonder if there’s a better way maybe you could give us a shout sheet with a dark background where the letter I mean check with gold in the perfect spot and maybe it would focus better? Otherwise, I really do love your app

Below is my last post... But first an update: I am now giving 2 stars tentatively because this is the VERY first time in over a year that I have been able to log onto my MOBILE account after 5:00 PM PST. I sincerely hope that they have fixed this mobile app. Because I have just this last week started the process of closing my US Bank account and picking another bank. I will put that on hold for about 1 month to see if they have finally fixed it.

(Note: I know what you are thinking... you see I am an MCSE - Microsoft Certified Systems Engineer... I live and breath everything computer related... no I do not know everything... but I strive to... anyway... The issue is NOT with my mobile device ... I have confirmed it on 2 other mobile devices connected to different hotspots.)

——— my last review——-
The mobile US Bank app WAS working fairly well for a long time and then about a month ago they completely redid the app. Now about 60 percent of the time I can not use it to log on because it says there is an error ... no details just an error and I have to use the regular web access which has its own problems.
And when the mobile app does allow me access the search function does not work at all and I can not sort transactions either. It is just VERY poorly written.
They totally BROKE it!
Do they hire high school kids to write there apps?

—————- Update 11/20———
Everything I said above was and is still true.
It turns out that I have to disable my IPhones Wifi and use ONLY “LTE” or 4G in order to open US Bank MOBILE... in other words when I use my IPhone 11 plus and I need to access US Bank it will NOT connect unless I first turn OFF WiFi in settings.
This happened because of the UPDATE to the US BANK app for IOS devices.

Basically the I.T. people that support US Bank BROKE the app and they still have NOT fixed it. And here it is well over a year later.

Not only do I hate the app but US bank is honestly the worst bank!
Let my start off by stating the numerous issues I have had with US Bank.
1. They have randomly added funds to my account, then proceeded to drain my whole account including the funds I had making it go negative, and then trying to charge me a $70 negative fee though they messed up on their end. (This has happened more than once)
2. More recently they have been messing with my funds, by that I mean my available will be at $400 I purchase something let’s say $20 and it takes out that $20, so I’m at $380, but then they want to charge me again for that same charge. They will realize they messed up and add it back into my account just to take out $10 and then proceed to add it back. I don’t understand why they randomly take out money and then re add it, I hate the fact that they are able to play with my money without any warning.
3. I have asked US bank to take me off the paper statement list because I shred it anyways, though I have contacted them via email, phone, and went into many different branches no one can take me off the list so I am no longer charged, they’ve told me numerous times that I will no longer be charged but whenever the next month rolls around I am charged a paper statement fee.
4. Their customer service via phone or email is terrible, they have never been able to figure out a solution to any situation that I have had to contact them about, does US bank not train their employees to be knowledgeable on how to answer basic questions?
5. Last but not least is the app itself, not only does the app look like it came from 2004 but it is so slow compared to the latest version, why do I have to navigate through the whole app to find something that should be at the home screen, oh and we finally got facial recognition a year after everyone else.

All in all terrible bank with a terrible app

I go out, work my …. off to earn my money. I put it (let’s say $200) in the bank as a mater of convenience. At the exact moment I spend $100, and every moment there after, those funds are out of my hands. I no longer have those funds available to me. 10 hours later I spend $50, I have spent a total of $150 that day. A half hour later I spend $10, then $5 and another $5, then some simple math that’s a total of $170. If I spend another $100 knowingly and fall back on my overdraft protection at $36.50 a pop then I am out $306.50. Leaving my account $106.50 in the red.
Why is it my problem what goes on behind the scenes, after I have paid someone and satisfied my obligation to a merchant? Whatever is “pending”, when it “posts”, the merchants efficiency with accounting, what my neighbor had for breakfast, the price of tea in China should not affect the way my funds are spent. Yet at the end of the day, US Bank rearranges the chronological order of my purchases. Placing the highest dollar amount first then the next highest number. Their bye manipulating the the order of time and weaseling me out of 4 overdraft fees , or $146.
It’s not right. That underhanded misrepresentation of the facts is a policy that when applied to all its customers, I would imagine, rakes in $500,000 daily. It is not right.
It’s ripping off the same people who US Bank past over for the PPP Loans in the first round, for the large corporations. Which is another example of US Bank lining their pockets while depriving, equally deserving small businesses owners, loyal, long time customers what they where untitled to under the SBA Loan Criteria.
Pretty disheartening.
In the words of 40-50 US Bank online bankers, “this app is a tool and should not be relied upon”. I will agree with that. It is not reliable. Only misleading and sure to confuse the facts and cost you your money. Like it has me. $5600 last year.

My mortgage is serviced by US bank. I’m typically one that likes to physically write out a check and send by mail, however last month my check was sent and never showed up or went missing. Which led me to start paying my mortgage online. The customer service representatives told me I need to download the US bank App in order to pay online. This app is in no way user friendly. From the app I can only see details on my mortgage account. I’m not able to make an easy payment directly from the US Bank app. You must 1) log in username 2) password 3) go into menu 4) locate the account 5) click on the account (now by this time you should be able to have on option to make a payment, but instead this click just gives you account details. In small writing it tells you that to pay a bill you must log into the mortgage system. What?!?!? Why do I even have the app then?) 6) get redirected to the “mortgage system” 7) welcome screen click on drop down menu 8) select payments 9) click pay online 10) bring you to a pay online screen where a dial is constantly turning as if loading the screen, then the screen says if you were not successfully redirected to make your payment click “continue” below. 11) click continue 12) answer yet another security question (at this point I’m wondering-do they even want my money?) 13) e-bill statement screen where it asks you the amount in which you plan to pay and your linked bank information 14) click make payment 15) click “next” on the verify payment date and due date screen 16) 1 more security question- provide the last 4 digits of your social 17) confirmation payment. What kind of idiot designed this system?!? This is in no way easier than writing out a check and sending by mail. You must have the app in order to pay the mortgage but it transfers you out of the app when you try to pay it as there is no way to pay from the app. US bank is a large enough corporation the need to come up with something better than this. Disappointing! I think I’ll transfer over to Wells Fargo.

This review is NOT a complaint about US Bank as a banking service, but rather about their APP and their WEBSITE/SERVER. Both seem to have CONSTANT connection problems and other technical issues. It seems like 1 out of every 2 times I try to login, there’s some sort of issue on their end. In the app, I’m constantly getting error messages that say “connection lost, please try again later”, “we’re experiencing technical difficulties on our end, sorry for the inconvenience”, and then “internal server error/hmm, we’re having trouble finding that” when trying to access the regular website via laptop. I know it’s not my phone laptop, or my OWN network connection that is the problem, because I can access all other websites with absolutely no issues whatsoever. The app and web version of the site does seem to be more reliable than the regular desktop version, however. I’ve basically stopped trying to login on my computer anymore because I only get as far as typing in my username and password, as it always gives me a server error as soon as I hit the login button. US Bank needs to step it up and get it together when it comes to their website and their server. Online access is supposed to make banking easier, more efficient, and less of a headache, but that’s not the case here because their server/online connection is absolutely terrible. I could easily see this being a huge problem for someone if they had to transfer funds immediately in an emergency, or some other reason where time was of the essence and they needed immediate access to their account, but couldn’t login because the US Bank server was having one of its countless issues. Not to mention, they’re also incredibly slow at displaying recent transactions. Sometimes it takes a full week for a completed transaction to display, even if it shows up as being fully processed on the website it was initiated from (PayPal, retailer, etc.). A better, consistently reliable online system that doesn’t have constant problems is desperately needed.

I understand, & greatly appreciate, the safety idea of timing out when the app has been idol for several minutes, but to automatically time me out when I’m in the middle of actively doing transactions is over the top! I was in the middle of making several mobile account reviews, transactions, & deposits with my phone when mid deposit transaction the app suddenly logged me out “for my safety.” Not only that, but despite having opened my business account (the one I was intending to make my deposit into) when I went to make my mobile deposit it suddenly defaulted to place the deposit into my personal checking account. After it timed out & shut down the app mid transaction, I reloaded the app to see if my deposit had gone through but I could not find my money because it had placed it in the “wrong” account. I reviewed the account immediately & then again several minutes later, but saw nothing. So I then waited until the next day, in case it had to clear, but after still not seeing my deposit registered into my business account I assumed the transaction had failed because of the auto log out. So I repeated the process, & re-deposited the check into my business account, only to receive notifications a couple days later that I was charged $19 for a repeat transaction! Thankfully, when I entered my local bank branch in person & explained the situation the charges were reversed. I realize that in the grand scheme of life this is very much a “first world” problem, but the hassle & experience was still all quite irritating.

And more recently, the app seems to be having issues on the bank end more often than it works. 3 out of 4 Time I will login to pay a bill and I get the notice “Something went wrong. We are having issues at this time please try again later.” This is frustrating at best and making me want to find a new bank for my business.

And when I try to use “Pay a Bill” to a private entity from my business account it repeatedly locks me out from being able to do this on line. I have yet to have it work the way my personal account does.

Update 4. Still have the same problems that I’ve been reporting for 2 years. Calls don’t get results. I can get an error trying to do a mobile deposit with one login but not another. I can get an error using one endorsement and not another. No rhyme or reason to errors using the app. Guess I need to figure out which foot I need to hop on and which hand to hold in the air for a mobile deposit to work. I’m sure I’ll be asked to post another review. More to come…

Update 3. Still has the same problems. Still can’t do mobile deposits without getting errors. The same errors they have been working on for 2 years. Can’t make a deposit in person because the local branch is closed more than it is open. Can’t wait until I have time to open a new account with a reputable bank. One that is actually open during federally required hours. One that has a website and app that both work 99% of the time. We know this doesn’t describe USB Update 2 still doesn’t work. They have been aware of the software error for two years “but they are working on it” according to customer service. Maybe they should hire someone who understands software code since it is a known error for much too long. Others banks don’t have this problem and offer more app services than USB. Plus other banks are actually open through the week and don’t close for lunch. Will be back for update 3 next time I’m asked to review the app Update 1: still won’t work right. App keeps getting worse. Wish I had time to change banks to someone who has a working app and website. So many errors here App can’t recognize endorsement stamps on back of check half the time. I can even use the same endorsement on several deposits and it will recognize it sometimes but not others. The same endorsement! Too much stuff crammed together. Let’s have the basics on the main page and the rest under the menu. I want to see balances, activity, and make deposits first. The rest can be listed elsewhere. Need to be able to see copies of checks mobile deposited on the bank activity list like every other bank offers. Only USB writes mobile deposit with no way of checking where the deposit came from

Update for 2019 version:

This version keeps asking me to rate it. One star. I deposited three checks and was asked three times to rate this. Now the text is white on white so they’re trying to get me to quit typing this review. I have no idea if the words I’m thinking are actually being typed. Or not. Anyhow, if you ask me once in a while, fine. If you ask me theee times in five minutes you get a one star review. If you do something like make the text unreadable you get a barely legible rant on how bad your app is. Doesn’t remember the bank account I deposit everything into, so I’ve messed up and deposited into the wrong account more than once. Each update gets worse and worse. is even worse. No easy way to give feedback in the app. You have to tap to use faceID, and it forgets my login info every few times it opens. No way to set a default account for deposits, which has resulted in more than one mishandling of deposits for me.

Update for the new version:
If I could give this app negative stars, I would. No customer feedback link, it wants me to have a giant picture of myself take up 30% of the screen, while forcing me to scroll to see my info. It increased the number of taps to get to data. The accounts aren't reorderable. Scrolling doesn't track with your finger. Finally, where the f is the fingerprint auth? iOS apps are in a walled garden to keep trash like this out. Please, USBank. Do some customer discovery, and give us back our old, more functional, app. This is not a viable product.

Original review:
Not only does this reduce usability, it also reduces security. Their "solution" for anyone that complains is to simplify your password. This is fine with the old version, which was tied to your phone (and didn't survive a wipe) the new version is using your web password, where security is critical. Furthermore usbank customer service claims that this change was based on customer feedback. Call usbank and let them know how flawed their change is. Furthermore it looks like it didn’t actually send the review, just stuck it in the App Store and when I clicked one star it came up so I could type this and send it.

Takes forever to open then just spins whenever I try to do anything.

Completely useless!

Unless someone can tell me how this app is missing the ability to see recent purchases. You can see old statements but when you receive a vague text alert of a transaction and you want to check where that transaction was made you cannot do that in this app. Either the app or the text alerts should change to provide more information.

This app was helpful with my banking and had improved over time. However, the newest version (4/6 is an absolutely unnecessary UI change. I don’t care for it and don’t see a need for a complete overhaul. I liked the previous version much better. This update lost two stars on my rating. Seems like they just updated in order to expose you to more sellable features.

ALL OF THESE 5 STAR REVIEWS ARE FAKE

This is the worst app, I download it every now and then hoping it's fixed but end up deleting it every time. My last review mentioned how the app had more 1 star reviews then 3,4 or even 5; and oddly enough now us bank has over 300k 5 star reviews and their 1 stars dropped? But yet none of the problems have been resolved? It doesn't even load pass the login screen! Don't waste your time, don't download this app.

Still bad. November .

Same horrible experience. Re-write this app!

2017 Update - still embarrassingly bad!

Yet another update. Still same - horrible scrolling performance - hybrid app just doesn't cut it.

Another update - not addressing any of the real issues with this app.

UPDATE: same app - same horrible experience.

I am looking for a new bank because of this.

In 2015 your app is as important as any branch location.

This app is unusable. No touch-id support.