I did not learn about the $. 25 charge per use for using my debit card until I overheard a teller explaining it to a new customer approximately 1 month after opening my account. I reviewed the literature I had and couldn't find anything describing such a charge.
To avoid such a frivolous charge to my account each time I purchased something with the card, I began using the charge function instead. That prevented the $. 25 debit charge, but the transactions weren't showing up on my account in a timely fashion. As a new customer, I was specifically instructed to go by the 'available balance' for fund availability. However, the bank conveniently wasn't posting transactions in a timely manner, which skewed my true available balance.
I have all receipts for transactions using my US Bank card since I opened the account. I have compared ALL transactions for a particular day to the available balance shown on the paper statement on that date, and NEVER did I EVER go below the available balance on my statement. However, each month US Bank has charged me multiple overdraft charges (at $35.00 each) for overdraft charges THEY say I had incurred that somehow didn't show up on anything, whether in my online banking statement nor the paper statements I have.
This bank is a bunch of crooks and should be held accountable for their poor practices.
0 comments