US Bank customers can set up on line banking. The ledger will show your balance and how much is available.US Bank, unlike all other banks, ledger changes in a sneaky way. Things that clear can bounce back to unpaid and vs versa.
This is what happened to me. All my transaction cleared except one that I knew would overdraft. It was the first automatic payment that I had forgotten I set up a month prior.instead of charging overdraft fees for that one item, US Bank uncleared three other items that had cleared and over drafted them as well, even though the ledger showed them as cleared.
The ledger does not reflect accurately. It should, it's electronic and every other bank does this instantly.By the end of the month it had almost $1000.00 in overdraft fees. I closed the accounts, my new bank ledger is right on and any purchase is subtracted instantly.
Talking this over with a few friends I discovered they played this game on them for years. Between us US Bank milked about $6000.00 in unfair fees. Unfair because they deceived us by first saying we had it, then switching.
Keep in mind this $6000 is from only three people in one month. I can't even imagine how much US Bank tricks out of its millions of customers but I bet somebody is getting rich from it.
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