I opened my account about 5 years ago. The first year or two they were refreshingly great. Friendly, helpful, polite, smart, sympathetic, etc. I have no idea what has happened in the last year but they have gone way downhill. For the most part, the staff are surly and uninterested in their customers and jobs. This is both the call center staff as well as the branch staff. I lost my ATM card 3 weeks ago and am still trying to get a new one. Every call I make, gets me a different rep with a completely different answer. If you get the slightest bit upset, they either laugh at you (you can hear it), hang up on you for having an edge to your voice (a girl just hung up on my because I spoke the words "Like I said" to her), or are simply blank. I don't know if anyone reads these reviews, but stay away from US Bank. Five years ago I would have recommended them. Not anymore- not by a long shot. I luckily get to be a part of a credit union, so think I am going to go join them at long last. Staff seems far more capable than US Banks does. Plus, they don't charge you a lot of money for awful service (as if they are doing YOU a favor by holding on to your money). In fact, we are doing our banks a service by giving them our business, and our money - which they gamble with, basically, and get bailouts when they get too greedy and do an awful job. Take your money to somewhere else - somewhere that treats you as a human being.