U.S. Bank - East 200th Street Branch

Anonymous says

I've been a US Bank customer for well over a decade. Typically, I've had few problems but recently I've grown disillusioned because of their new "No-Envelope ATM deposits". BE WARNED--they don't work worth crap. Better to go inside and deposit checks the old fashioned way than to be lured into the "quick and easy" nomenclature of their ads. The first time I utilized one of these ATM's to deposit a check, it could not recognize the amount on the check so I had to supply the information--which, of course, caused the "system" to flag my deposit so funds were not available immediately (as they advertise). I didn't need the funds immediately so it was no big deal. I was wary so waited months before trying to deposit a check again. This time--no problems. The third time, however, has been a total nightmare! I can assure you that there will not be a fourth time for me. I attempted to deposit two checks--one with a four digit figure that I really needed the funds from to keep afloat. Though their website says "no envelopes needed" and "you don't need to feed your checks in one by one", my experience is that the ATM was incapable of handling both checks, couldn't read them but also wouldn't return them. The result? I have no funds available to me and have spent hours on the phone trying to bring resolution. I've been told that I MAY get a "loan" for the total amount within ten business days AND that it MAY be a full 45 days before the issue is resolved, but this all seems to be PUNISHMENT TO THE CUSTOMER when it's an obviously an electronic issue and therefore the responsibility of the owners of the ATM (that would be US BANK). I do have to say that the person I finally got through to after being shuffled around on the phone through four different people has been sympathetic and has tried unsuccessfully to escalate my issue. However, I still don't have access to my funds, I'm very stressed out over this whole issue, and can't help but feel that I've been had. My future plans: No more "magic" ATM deposits. I'll fill out a deposit slip and hand my checks to a bank teller so that I have a receipt for my deposit immediately. I'll also stop using my ATM card and go back to using cash and written checks--though this may seem a bit backwards, one electronic nightmare has been enough to convince me that I should guard myself from such repeats in the future.

By: on 9.28.2016