I am very satisfied with my US Bank experience. The tellers at my current bank are very friendly and always in a great mood. The toll-free customer service is also great. The bankers over the phone are very helpful and happy to help with any of your questions. I highly recommend this banking service as I couldn't ask for a better banking company as a whole.
I submitted my refinancing application in early June. Today is my 55th day in captivity. The package was submitted to the Underwriting department 14 days ago. I have not heard from them. It is sitting in somebody's inbox, and they will not tell me how long the backlog is.
US Bank systems are incapable to provide correct security question on file. The system requires security question as if I logging in for the first time. To make matter worse the system supplies the first question on their list, not the one I choose to answer (which happens to be second on the list). Since there is no answer it take info I provide as a wrong answer. Accordingly makes it impossible to login.
Phone systems just as bad. Switching all over the world -- Philippines, cities in US with request to enter card number over and over again. Connection is very bad even so I was on the land line.
Both computerized systems are, by far, the worse designed and worse functional I've seen in the last ten years.