The reasons I signed up with US Bank have been phased out over the years and they have yet to get with the 21st century. I can't believe US Bank charges for mobile deposits when it's the norm now to have free mobile check deposits. Likewise, my check card used to have a points reward system, but that is completely gone. I definitely wouldn't choose US Bank again. Customer Service I haven't had too many issues with customer service, but I started receiving fees on my account after I graduated college, and was never informed I would be. Once I called and contacted about it, I was informed my account had automatically moved from a student account to a standard checking account (which isn't free). I would have liked a notification this would be happening. Also, I receive calls from them about once a week trying to sell me a credit card, which is incredibly annoying. Available Rates The rates are terrible. The only free checking account is a student account. The only way to waive the fees of a standard checking account is to have direct deposits over a certain amount. My debit card used to have a points system but that was discontinued, as was free transactions at any ATM, anywhere. My savings account interest rate was cut in half without notification or a reason why.

ErynBlake

USA

A mistake was made by my bill pay provider and a payment was made to my FlexPerks account.  After speaking to customer service they said they would send the money back to my banking institution.  I waited the 5- 10 business days- nothing.  I called back and the they said- "we're sorry, somehow your request was lost, we will re-send the check - it will be in your account within 5- 10 business days."  I waited the full amount of time and nothing.  I called back- they said to wait another 5 days to see if the check clears.  After 5 days nothing.  I called back- keep in mind- each time I call I have to re-explain my situation- very very frustrating.  I was told that they would put a stop payment on that check and re-send the check- yes, another 5- 10 business days......and yes I waited 10 days and nothing.  My wife and I were starting to get a little worried and began to seek legal counsel as well as contact the Better Buss Bureau.  Once I shared my recent actions with Flex Perks they immediately elevated my situation to someone else and surprisingly the money was wired back to my bank in 2 days.  I can't tell you how absolutely floored I am with the utter lack of customer service they provided.  Stay clear of this card.......too many other choices out there.  They do not value their customers- why should they- they never earned them in the first place.  They acquired them once the WorldPerks Visa was discontinued.  I have moved to the Delta Skymiles Card with AMEX- that is the definition of World Class Service.  Do yourself a favor...drop the card.

thank

Minneapolis, MN

FlexPerks Visa by US Bank was introduced in the aftermath of Delta/Northwest airlines merger. I didn't know about this until it was a bit too late. US Bank used to manage a Northwest WorldPerks credit card line which got you miles for every dollar spent, and that was great. Delta, on the other hand, does business with American Express, and in the merger, the old Northwest visa got eliminated. US Bank simply issued all the Northwest clients this new FlexPerks card -- naturally, with much drumming up of how much better it is going to be now that the reward points can be used for anything, not just miles. I'm still on the fence about this. On one hand, this card gets you double points on groceries, gas, or your cell bill, whichever is greatest each month. This can mean that points add up really fast, especially if you have a larger family to feed. Another nice feature is that you can redeem your points for credit on the next statement, basically getting cash back. The rewards/cashback ultimately amount to about 1% of your points; it's not an exact reward-to-dollars spent ratio because you get double points on some purchases. On the other hand, the rewards website looks like it was made by a monkey back in the early 90s. It just fails to inspire confidence. Not everything works all the time. Promotional bonus points take forever to credit. Customer service links are hard to find if they're there at all. Good luck getting a good answer out of them, too. Generally, you sort of feel out there on your own dealing with them. I have had this card for about eight months now, and with a family of two, I am able to cash something out every two-three statements. However, should you not be able to pay off your statement in full and have to deal with their interest rate, this is not a good deal. And there's an annual fee. Overall, I suspect you can get a better deal elsewhere.

lorna79

Lincoln, NE

US Bank's FlexPerk Visa is a great card for anyone that does not want to limit their travel to one airline. You will earn 1 point for every dollar spent and double on gas, groceries, or travel, whichever you spend the most on each month. You also earn double points on cell phone purchases, including monthly bills. You are not limited to airline rewards either. There are also giftcards, merchandise, points transfer, and statement credit options available. Another advantage to this card over a specific airlines card is that there is no fee to book an award ticket and you can still earn miles on that airline. The only downside is the $49 annual fee, but this can be avoided by spending at least $24,000 each year. Their is no annual fee for the first year. Also, their currently is a 10,000 enrollment bonus for signing up for the card and spending $500. I would seriously consider this card over its competitors such as the Delta Skymiles cards because of the ability to book on any airline without blackout dates. The problem with specific airlines (especially Delta) is many dates are not even available for award travel!

samdori

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