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B+ MyBankTracker Rating

U.S. Bank Santa Cruz Branch

110 Morrissey Boulevard, Santa Cruz, CA 95062

Eastside Location

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Lobby Hours
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not available
Drive-Up Hours
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not available
Branch Phone Number 831-425-1222

U.S. Bank Branch Customer Reviews

3 out of 5 stars
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  •  
    PT
    Reviewed By Peter T. Jun 29, 2013

    Some bad experiences

    I've been a customer since ~2003.

    The good:

    + local branch is in grocery store, open 7 days a week, mostly till 7pm, Sunday till 5pm

    + no fees with direct deposit and $50 in a savings account

    The bad:

    - even after 10+ years of positive business relationship with them, when I deposit a rent check (I'm a landlord), they put a few days hold on the money. Mind you, these checks are under $5000 each.

    - when I recently tried to refinance a 1st position loan on a property where I had a HELOC from USBank, they refused to subordinate to the 1st position loan. As a result, I was unable to refinance the 1st position loan. There was a little over 20% equity after the combined loans. No valid reason - they just refused it. This was quite disappointing.. the refinance would have improved my monthly cash flow over $1200.

    I continue to keep my personal checking with them, due to the favorable location and business hours, but I would recommend against mortgage lending with them.

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