I am an ex-employee of US Bank. Please do not assume that because of that my review will be biased. I was ashamed of working there with all the overdraft charges that they charge to the customers. 37.50 plus 8.00 a day.

I do give credit to the 1800USBANK they are very knowledgeable.

Online banking sucks. I had some fraudulent charges on my account about a year ago and they blocked me from my online banking which I do everything on. And after the case was closed, and I closed that particular account, they still will not let me back on. Unless I close all my accounts and open them again. DO YOU KNOW HOW MANY ACCOUNTS I HAVE?! Very very inconvenient.

And as an employer... They are the worst employer I have ever had. They worked me to the bones. I worked everyday for more that 8 hours a day and sometimes took captured lunches and sometimes did not get paid for them. Also some of the employees they have there are horrible. Plus there were so many out of pocket expenses that I have used and they never reinbursed me for them. And they never paid me my bonus checks for making sales. I've had a lot of experience in the banking industry and US Bank does not even compare. HORRIBLE even that word is too nice for them.

And they do not have a lot of locations in the bay area.

US Bank convinced me to open a checking account with an $75 opening bonus. This was excellent and easy to process. The account has great online banking features and I like the convenience of online statements. I also earn cash back regularly by shopping with the suggested vendors. A+ checking account. I highly recommend it.

My husband and I have had a US Bank checking account for just over a year now. We opened it up because we had a new car loan from US Bank. We have had no problems with this account. We haven't kept much money in it so we haven't earned much interest. Overall we have been satisfied.

I was very unsatisfied with my account at US Bank. Upon opening the account I was given a "Cash Back" check card. I was told that EVERY time that I used the card as credit I would receive a small percentage back to me. To my dismay, I never received any rewards regardless of how much I used my card. I finally called their customer service line only to find that the rewards were only on qualifying purchases which were very uncommon to me. I didnt appreciate this deceit being that the cash back program was one of the main reasons I had switched to their bank.

Also I was very unsatisfied with their overdraft policy. I made a seven dollar purchase that put my account $1 negative. I then received a $30 fee. This was understandable to me as that is the policy at most banks. What I did not like is the $7.50 they continued to charge me daily. Within one week my account went from -$1.00 to -$83.50 and I was still days away from my payday. With their overdraft policy it is very hard to pay off your fees unless you are receiving weekly paychecks.

I have been a customer at US Bank for 10 years. I went through a really nasty divorce, that required some extensive accounting. US Bank rep's were able to dig really deep and track a lot of cash. That service alone saved me $30,000. I'm a HUGE US Bank fan, they go the extra mile.

In terms of interest, any bank you go, free checking will not get you much interest. However, I have been a loyal US Bank customer for six years and they have a great customer service. I like their website, online banking, and how they don't harrass and call you all the time. Also, they have international employees who speak different languages, so my mom was able to open her account here too. All in all, I've had a good experience having this checking account at US Bank.