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Well-respected bank offering Payday loans


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A so far well-respected bank - 'US Bank' offers payday loans now. I could not believe it!
This morning I logged in to verify some checks had cleared and I saw a new symbol saying "Request Checking Account Advance"

U.S. Bank's Checking Account Advance allows you to request an advance on your next direct deposit.

Key Features:

* Advance cash immediately into your checking account.
* Payoff of advance and finance charge is automatic. Payments will be deducted from your checking account with your next direct desposit(s) of $100 or more, or, if not fully paid, on the final payment date, which is the 35th day after your advance.1
* Finance charge is $1 for every $10 advanced (120% APR).
* Advance between $20 and your limit. If your checking account is overdrawn, you must advance enough to bring your account to a $0 balance.
Below a screenshot as 'proof'.

At least they put the APR in there, in bold letters. It is probably required by law in California.
The red arrow was added by me.

What are your comments? Are they trying to ruin people?

A few weeks ago, I noticed a banner saying "Equity Line - Why not?", luring people into spending the equity that they have in their homes. I guess payday loans are the logical consequence. What will come after that?

My opinion is: this bank is going too far to make profits. Everyone knows that these payday loans are a big trap and nothing good will ever come out from it. What makes me mad is that I closed my credit union's accounts 2 months ago and switched over to US bank. They have a local branch with good opening hours, plus a good HELOC (Home Equity Line of Credit) at prime - 1.01%, that's why I went with them.

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2016-06-22, 10:52:34
anonymous from United States  
Hello Dear Sir/Madam.

I am Sang Wai, a private money lender. I give out loans with an interest rate of 3% per annual and within the amount of $1000.00 to $500,000,000.00 as the loan offer. 100% Project Funding with secured and unsecured loans are available. We are guaranteed in giving out financial services to our numerous clients all over the world. With our flexible lending packages, loans can be processed and funds transferred to the borrower within the shortest time possible. We operate under clear and understandable terms and we offer loans of all kinds to interested clients, firms, companies, and all kinds of business organizations, private individuals and real estate investors. Just complete the form below and get back to us as we expect your swift and immediate response. EMAIL:(


Do you have a bad credit?
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Do you need money to invest in some area of specialization which will
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We offer the following loans below,
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1. Full Names:……………………….
2. Contact Address:…………………..
3. Loan Amount Needed:………………..
4. Duration of the Loan……………….
5. Direct Telephone Number:……………..
6. Monthly Income:……………..

Email (
Best Regards,

Mr Sang Wai
2016-06-26, 04:46:29  
Dear Esteemed Customer,

You are welcome to KENNETH BROWN LOAN COMPANY. We are currently giving out loans to any part of the world at 2% interest rate. If interested, Contact Mr Larry Jeff with the email address bellow Email:

We give out loans at 2% interest rate. To any part of the world. With a duration of between 1 to 25years.

Also We only give out loans to applicants of between 18 years and above. You have to provide the following details about you and your proposal so that i will know how to help.


*Full Name:.
*Business name(If Any):.
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* Fax:..
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best regard,
2016-06-26, 16:22:45
Mr Sang Wai from United States  

Good day ladies and gentle men am Mr Sang Wai a God fearing and honest loan lender who can change your life from bad to Good i want you to understand the fact that i give my loans out in a low interest rate of 3%. Bad credit acceptable,The Terms and Conditions are very simple and considerate. You will never regret in this loan transaction because i will make you smile through out this transaction, because you where not born to be a loser my terms and conditions are very simple what are you waiting for asap why don’t you try Mr Evans Johnson loan company and be free from debts, Any interested clients should contact me Asap via Email: ( for further proceeds. Please fill the below application form and get back if interested and you will be glad of knowing a loan lender like Mr Sang Wai


1. Full Names:............................
2. Contact Address:.......................
3. Loan Amount Needed:....................
4. Duration of the Loan...................
5. Direct Telephone Number:.................

I will be looking forward to hear from you so as to

Kind Regards

Mr Sang Wai
2016-06-27, 08:50:43
Greetings to you by ADIA.

We are a France-Paris based investment company known as Avit
Development Investment Authority working on expanding its portfolio
globally and financing projects.

We would be happy to fund and invest with you in any profitable
project if you have any viable project we can finance by making mutual
investment with you. If you are interested, kindly contact us for more details.

Looking forward hearing from you soonest.

Yours truly,
Mrs Kristina Anderson
(Personal Assistant)
Avit Development Investment Authority(ADIA)
501 Avenue Montaigne,75008 Paris-France
Paris-France.Avit Development Investment Authority (ADIA)
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2016-06-27, 18:09:07
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Well-respected bank offering Payday loans
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