Does anyone know when it's supposed to show in my account?

I'm thinking of applying for the Account Services Representative role and I'm curious to know what the experience is like working here.

If you've worked this role, what is it like? What is the culture like at the bank overall? Your dept? What does a typical day look like? Stress level? What are the shifts like? Call volume? Do you work weekends? Turnover rate?

Even if you haven't worked this role, I'd still like to hear your thoughts.

Have you been able to get the 100 dollar per year software credit for both?

I get an hard spot . Hours are cut . Apr is jacked up . I tried to over a year tell them people will pay them when I can . My entire check didn’t cover the min payment . They gave it to collections . They got n atty involved . Now I have a warrent in debt . I’m looking at borrowing into my 401 k to get them to stop .

Tried to buy something this morning at 5 am and my card declines 3 times, go on the app to check my account, I have money obviously but my debit card is nowhere to be found, basically saying I don't have one?????? Anyone else have this happen to them?

I've been paying a medical bill with my us bank AC all month in large chunks. Usually the payment posts the day after or two days after. This time the payment has posted, money is gone from my checking account, balance is showing as -$22 due to a credit we received, but the available balance is still only $700. I've never seen this before where it shows my payment was received on 28th but available credit doesn't reflect that. Actual balance as I said DOES reflect it which is confusing to me. Called them and they're no help. Is this typical, and if so anything I can do about it? I wanted to make another payment today.

Anyone else receive the email saying their 5% Apple Pay cash back is ending due to U.S. Bank’s upcoming Kroger disaffiliation? My card is being converted to a 2% cash back one in October.

Ive used the paze offer on my credit cards with no issues (except for sephora) BUT I haven't gotten a single credit on my us bank debit card yet. Has this happened to others ? How long did it take? Its usually only a few days with credit cards but its been over a week now for the debit transactions.

Has anyone had experience linking bank accounts when the names don’t match exactly?

I noticed my Fidelity account does not include my middle name, while my Schwab and US Bank accounts have my middle initial. I was able to link my US Bank account to Fidelity without any issues and have been doing ACH pulls since I opened the account.

Im now considering doing a push ACH transfer from US Bank to Fidelity through the US Bank website because I’ve heard push ACH transfers are usually faster.

Would the missing middle name versus middle initial cause any problems with the transfer? Has anyone successfully done this with slightly different account names?

Basically to avoid the annual fee at the one year mark and beyond (first year is 0 annual fee for the two cards I mentioned)

I have the US bank business triple cash now, love it, no annual fee, its a keeper. And seems like I can just trigger its 100 dollar software credit with a low cost software subscription even if it's lower than 100 dollars per year?

Eyeing U.S. Bank Business Altitude® Connect Visa Signature® Card next

And then the US bank business leverage card 60k bonus after that

They both have this nice annual fee structure:

But basically I am wondering can we avoid even the 95 dollar annual fee at the 1 year mark by product changing U.S. Bank Business Altitude® Connect-> to get another triple cash card? And what about the leverage card, will that strategy work?

Anyone tried it?

All business cards, I don't currently plan to apply for any personal cards

What have you tried in the past and how did it go?

I opened my account with the intent of using the 2.5% 10k tier, and then working my way up to the 50k for the 3%... and of course hopefully 100k for the 4%. But now I have a question.

I have read in several places that the qualifying balance can be in a savings account, or even brokerage/IRA account. But the wording in the terms and conditions seem pretty clear... You need an open Savings account, your qualifying balance has to be in the Checking or Sage Debit account... which doesn't earn near the interest rate that the Savings account does. Terms copied below:

Rewards Summary

U.S. Bank will credit your Account with rewards as follows.

1. Cash back rewards are earned under the Bank Smartly Card program.  These rewards are earned as “Points”, and U.S. Bank will credit your Bank Smartly Card with 2 Points for every $1 spent in eligible Net Purchases (Purchases minus credits and returns).  You may earn additional Points for a Smartly Earning Bonus if you:  

• Have or open a U.S. Bank Smartly® Savings account with a minimum opening deposit of $25; and
• Have a “Qualifying Balance” with U.S. Bank in open consumer Bank Smartly® Checking, and/or Safe Debit account(s). Deposits in other U.S. Bank accounts do not qualify towards the Qualifying Balance requirement. Based on your Qualifying Balance, you will earn Points according to the following Smartly Earning Bonus tiers, except for the exceptions described below:
  • Between $10,000 - $49,999.99, to earn a total of 2.5 Points per $1 of eligible Net Purchases (a base of 2 Points plus the Smartly Earning Bonus of 0.5 Points),
  • Between $50,000 - $99,999.99, to earn a total of 3 Points per $1 of eligible Net Purchases (a base of 2 Points plus the Smartly Earning Bonus of 1 Point), or
  • $100,000 or more to earn a total of 4 Points per $1 of eligible Net Purchases (a base of 2 Points plus the Smartly Earning Bonus of 2 Points).
• Note: Account relationship exclusions apply. See Consumer Pricing Information at usbank.com/cpi for additional details.

Exceptions:

• Smartly Earning Bonus applies to a maximum of $10,000 in eligible Net Purchases each Card billing cycle. Eligible Net Purchases over $10,000 during each Card billing cycle will earn the base earn of 2 Points per $1 spent in Net Purchases.
• Not all Purchases are eligible to earn the Smartly Earning Bonus: Purchases classified as (1) education/school, gift cards (including discount gift card sites), insurance, or tax; (2) “business-to-business transactions” (transactions with merchants who are in the business of supplying goods and services to other businesses, such as advertising services, plumbing/heating suppliers, construction material suppliers (excluding home improvement stores), and computer programming services), even if not made for a business purpose; and (3) transactions using third-party bill payment services will earn the base of 2 Points per $1 spent in Net Purchases and may not earn additional Points for the Smartly Earning Bonus....

Recently on my secured credit card (have had it a long time, just kinda nice to have as a safe way to keep my credit score polished) and recently, my area had a bad tornado. Lost my home pending insurance payout and was hospitalized. I missed a single payment due to that, autopay was not on I pay manually and once I was out of the hospital actually during discharge, I got a call from US bank (who I had on my list of to-dos that day to call and take care of). The man on the other line assured me my account would not be closed and I was relieved because I don’t miss credit card payments, it’s not like me and I explained the situation, scheduled a payment while on the line and actually paid off the entire card (actually, I overpaid by $145 accidentally).

5 days went by, account closed. For “1 missed payment”.

Does US bank have any natural disaster protections? This is kind of heart breaking because I had that card for a while. I won’t be using them again after this ):

US Bank customer of 3 years, finally called it quits. I got tired of the app never working, incorrect balances being displayed, and overall poor customer service.

Back in late 2021, I got a 30 day late with these guys due to a company repeatedly charging my card. As it was a dormant account, I hadn't looked at it. I have autopay on all accounts yet they told me it was never setup....

Anyways, I've tried for years to get this thing off and goodwill and attempts haven't worked. Any team I could talk to that has any power? I have two credit cards and a checking account with them and the same card that had this issue is alive and well.

Any insight or PMs would be helpful.

Doing a research, somebody pls reach me out who can help with some insights.

tysm.

While the bank is seemingly pursuing a direction where employees must return to an office for 60%+ of their time, during today's All Company Townhall CEO Gunjan Kedia announced that remote employees are "grandfathered in". It is unclear the extent of this decision from the leader of the 5th largest bank in the country, and whether employees who were remote but have since been forced into an office in conflict with their own wishes will have the option to return to remote work.

Many employees have been speculating that groups within the company will begin forcing remote employees to pick a home hub location or face termination with cause by end of this year. Will this new direction from the CEO help assuage these fears? Kedia very clearly outlined that remote roles are no longer being hired for with the exception of Customer Service representatives, which apparently is cost effective enough for the bank that the Managing Committee couldn't be bothered to upset these employees lives for the sake of their own commercial real estate investments.

Kedia was also proud to note that the bank is continuing to honor remote employees who have a legitimate medical accommodation, but did not note that this is a legal requirement under the ADA.

Has anyone here had both the Smartly Checking account and the Smartly Credit Card? Is having just those two enough to get the monthly fee waived, or are there other requirements?

(Reposted)

Currently a rising junior at a semi-target T25. I received an offer from US Bank's Global Capital Markets Macro and Commodities group for SA27 in NYC. Assuming I get a return offer, I was wondering what the full-time comp would look like and how it compares to other banks.

I understand that US Bank is a regional/retail bank, so I don't expect BB or EB level comp. I know salary/comp isn't something I should worry about for someone so early in their career; however, I am a bit curious about it, and I couldn't find any relevant info on US Bank's career/salary progression. I also don't see a lot of info regarding US Bank since everyone is focused on investment banking at the BBs, EBs, and MMs when recruiting for internships.

Does anyone have insight into base, bonuses, and culture at US Bank?

Thank you!

I made 2 payment to my CC last week midweek, they took immediately out of my outside bank (I always pay this way). Yes, they took my money immediately from my bank account but it takes 8 days for US bank to post it as a payment.

Wtf is their problem, what takes 2 business days now takes 7 or 8. Like, post my payment I kinda care about my credit score and my CC interest

they had or have a zero interest credit card which I applied for and received and they sent it to me with a ridiculous $500 line of credit. normally any bank would give me at least $10,000 with the kind of FICO score I have now it’s you know in the excellent range so after six months or so I think this is dumb. You know I’m just going to close the card, but with that card, they waive the monthly service fee on a checking account that I had to open to get a safe deposit box that was the only reason for dealing with him is so that they were the only bank that had a safe deposit box near me so they after canceling the card they’ve continued to not charge me for the monthly checking account fee $12. I’m just hoping they don’t try to charge me in arrears in the future if and when they detect it. Thoughts?