DelphiFAQ Home Search:

Well-respected bank offering Payday loans

 

comments2333 comments. Current rating: 5 stars (314 votes). Leave comments and/ or rate it.

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.



Comments:

You are on page 1 of 156, other pages: [1] 2 3 4 153 154 155 156
2009-03-03, 14:57:20
[hidden] from United States  
rating
I saw this on my usb account and I didn't even make the connection to the shady payday loan shops. I'm glad I didn't bother clicking on it *shudder*.
Good article.

I thought states had passed legislation that you can't charge absurdly high interest rates like this?


Keywords:
2009-09-08, 07:49:29
tim.manoogian@us.army.mil  
I keep getting e mails like this promising a lloan if you pay an up front fee.

Anybody else see this before?

thanks



HELLO

YOUR LOAN FUNDS WILL BE TRANSFER TO YOU JUST TRY AND COME UP WITH $100 ASAP SO AS TO ENABLE MY BANK TRANSFER YOUR LOAN FUNDS DO GET BACK TO ME WITH YOU WESTERN UNION INFORMATION


> To: terryfinanciallender@hotmail.com
> Date: Tue, 8 Sep 2009 07:13:11 +0200
> Subject: Re: RE: LOAN UPDATE
>
>
> I have no fee money.
>
>
> ----- Original Message -----
> From: Mr Terry Hook Hook <terryfinanciallender@hotmail.com>
> Date: Sunday, September 6, 2009 5:05
> Subject: RE: LOAN UPDATE

>
>
> >
> > Hello,
> >
> > I got your mail and then content was well understood.One
> > important thing you have to Note in International Transaction is
> > the fact that Trust,Understanding and Co-operation is highly
> > needed as to enable both the Lender and the Borrower Develop
> > Understanding for one another.Another Thing you have to Understand
> > is that it depend on the Firm the Loan Fund is Coming from that
> > will enable you Know if the Transaction you are Transacting is
> > Legit or Not.Your last emails are giving me signs that you will
> > never know what i am about to do for you.I have never involved
> > myself in any form of Scam Activities and I see no reason why you
> > should be taking this matter too far to that extent.I do what
> > pleases me because I noticed that those who does what pleases them
> > are the once that receives reward from God mostly.
> >
> > I am a Man of high reputation. Just that I don't like bragging
> > with what I have done for people. If you must know, I have
> > customers like you overseas who receives their loans successfully.
> > I have feelings for people all over the world especially the ones
> > that are not financially stable ,this is due to the fact that i
> > have been like that before and during the period that i was in
> > that state,nobody treated me wrongly so treating somebody that
> > need help wrongly is wickedness of which i am not a party to.Even
> > though you are not interested i am not worried but i just want you to know that the ability to trust somebody will get you back to
> > your feet. It is a common rumor in Canada that if you are
> > applying for a Loan,And you are told to pay a fee,It will them
> > seem to be a Scam but i want you to know that trusting me and
> > doing business with me will not make you disappointed.This i
> > assure you.
> >
> > It is very clear to my understanding that you are trying to let me
> > know that this is a scam. This is interesting but not impressive.
> > Most failures in life are people who never realize how close they
> > where to success when they gave up.This is an opportunity for you.
> > And I will do every thing possible to make sure that you grab this
> > opportunity. This issue of you calling this transaction a scam
> > will not contribute positively to this transaction. This is
> > because when their is trust in business, business
> > excel.Transactions like this are hard to believe,only the end can
> > tell.Hope you are used to this phrase'the ends justify the
> > means'.No body is interested to know how you started, they will
> > always want to know how you will end.Surprising things are more
> > appreciateble than non surprising things,I am going to put a
> > surprise in your face as long as this transaction remains.
> >
> > An urgent message will be highly appreciated immediately you are
> > done with this message.i am not like others which you thought. I
> > want you to note that there is no way i can help you pay for the
> > fee you have to try and come you with the fee ..and once this fee
> > is send out today your loan funds will be transfer to you with out
> > any delay.. I am not taking your money but it is also an evidence
> > that you loaned from my company so that if you are unable to pay
> > back, I can use that payment as a prove that yes you ask for a
> > loan then also showing the western union slip which has your name
> > on it I will advice to try and get These Payment made So that
> > they can get your Loan Funds Transferred to you. I guarantee you
> > that as soon as they confirm the payment, Your Loan funds will be
> > Transferred to you without any further delay.
> >
> > Mr.Terry Hook
> >
> > > > > > To: terryfinanciallender@hotmail.com
> > > Date: Mon, 13 Jul 2009 14:51:51 +0200
> > > Subject: Re: RE: LOAN UPDATE
> > >
> > >
> > > yes i want the loan.
> > >
> > > If you want me to pay a fee 1st than you give the loan. never
> > mind .
> > >
> > > maybe you are a scammer

> > > ----- Original Message -----
> > > From: Mr Terry Hook Hook <
> > > Date: Monday, July 13, 2009 14:19
> > > Subject: RE: LOAN UPDATE
> >
> > >
> > >
> > > >
> > > > I WILL LIKE TO KNOW IF YOU ARE WITH YOUR PHONE AND WERE ARE YOU
> > > > FROM DO YOU RELLY NEED THIS LOAN TELL MY I DO NOT WANT TO CALL YOU
> > > > FOR NOTHING OK
2010-01-25, 04:07:21
anonymous from Nairobi, Kenya  
Attn
Get a loan today at low rate apply now loans are given at a rate of 3% apply now this can increase your business to a greater hight. We are offering Loan to business and personal people, if you need a Loan to start up a business or Loan to pay off bills do contact us now and get a Loan from our Company...I render the best Loan services My regardS CONTACT US AT ; johnson.williams93@gmail.com
2012-02-14, 12:44:38
anonymous from Kenya  
Hi do you need a loan,if yes contact us via: johnson.williams606@gmail.com
with your full name,loan amount,phone number,country and state of residence
to apply for a loan.
2012-04-13, 08:09:01
anonymous from United States  


Do you need assistance financially? Contact us (Mark Final Investment) today and get assisted this new year. We give out all varieties of loan like personal loan, Business loan, and Consolidation loan and so on at a low interest rate of 2% to both individuals and cooperate bodies that need Loan for Different and various purposes. The Offer loan ranges from $5,000 to $500,000,000.This stated loan can get to you where ever you are.

LOAN APPLICATION FORM FILL AND RETURN

Name:

Other Name:

Address:

Country:

Phone:

work:

Monthly income:

Amount Needed:

Duration:

markfinalloaninvestment@hotmail.com

Benzzachous 6 months ago

With nearly three decades of experience and expertise in the cash

register loans and found system industry, we continue to offer products and

services of the highest quality in the industry. Whether your business

is a restaurant, hotel, bar, or retail, you can count on us for

professionalism and honesty in sales, technical support and customer

service. We would be pleased to provide you with our expertise to

offer you products and services that meet your businesses needs; over

and over again, your success is our success.

LOAN OFFER

Please visit our list of products and services on loan offer of 3%

interest rate available bellow and feel free to contact us, should you

have any questions or concerns or should you wish to place your order

online or via phone. Our team is available 24 hours a day, 7 days a

week.Here at benz financial loan service we can offer you complete

solutions to better the performance and success of your business eg

School loan:

Construction loan:

Home loan:

Dept loan:

Otheres:

BENZ FINANCIAL LOAN SERVICE

Over 25 years of experience

FILL AND RETURN THIS FORM

NAME ........................................

MIDDLE .........................................

Amount needed ................................................ .

PAY PERIOD (year / month )...............................

PHON NUMBER ................................................ .....

COUNTRY

Email contact:kingsleyloanfirm2010@gmail.com

Over and over again, your success is our success
2012-04-13, 08:09:39
anonymous from United States  


Do you need assistance financially? Contact us (Mark Final Investment) today and get assisted this new year. We give out all varieties of loan like personal loan, Business loan, and Consolidation loan and so on at a low interest rate of 2% to both individuals and cooperate bodies that need Loan for Different and various purposes. The Offer loan ranges from $5,000 to $500,000,000.This stated loan can get to you where ever you are.

LOAN APPLICATION FORM FILL AND RETURN

Name:

Other Name:

Address:

Country:

Phone:

work:

Monthly income:

Amount Needed:

Duration:

markfinalloaninvestment@hotmail.com

Benzzachous 6 months ago

With nearly three decades of experience and expertise in the cash

register loans and found system industry, we continue to offer products and

services of the highest quality in the industry. Whether your business

is a restaurant, hotel, bar, or retail, you can count on us for

professionalism and honesty in sales, technical support and customer

service. We would be pleased to provide you with our expertise to

offer you products and services that meet your businesses needs; over

and over again, your success is our success.

LOAN OFFER

Please visit our list of products and services on loan offer of 3%

interest rate available bellow and feel free to contact us, should you

have any questions or concerns or should you wish to place your order

online or via phone. Our team is available 24 hours a day, 7 days a

week.Here at benz financial loan service we can offer you complete

solutions to better the performance and success of your business eg

School loan:

Construction loan:

Home loan:

Dept loan:

Otheres:

BENZ FINANCIAL LOAN SERVICE

Over 25 years of experience

FILL AND RETURN THIS FORM

NAME ........................................

MIDDLE .........................................

Amount needed ................................................ .

PAY PERIOD (year / month )...............................

PHON NUMBER ................................................ .....

COUNTRY

Email contact:kingsleyloanfirm2010@gmail.com

Over and over again, your success is our success
2012-07-15, 10:33:37
pacificstandardfinance@pacificwest.com  
rating
Hello,my name is Rev Dan Henderson,
the finanacial secretory to Our Ladys of Lourds Catholic Church.
Since money have been a major problem in our day today life, the
Catholic church decided to setup a loan firm to help members and non
memebers all over the world with this loan firm PACIFIC STANDARD FINANCE
We are a registered and religious loan firm that have been in practices
for more than 10yrs.
We give out loans to assist people, firms who need to update their financial
status all over the world, with a very Minimal annual Interest Rates as
Low as 1.2% within 1yr to 15yrs, We give out loans within the Minimum range
of $1000 to $1,000,000.00.and Our loans are well insured,
processing speed very high and maximum security is our priority.
Interested person should contact us
with the details below...................

Address:
2 ston west Road NW1 2D

Email address:
pacificstandardfinance@pacificwest.com

THANKS
Rev Dan Henderson
2012-07-15, 10:35:47
creditunionloanfirm@london.com  
rating




CREDIT UNION LOAN SETFIRM
-------------------------------------------------------------------------------------------------------------

This is an Organization formed to help people in need,
such as financial help.
There are various needs in our life which cannot be postponed,
whether it’s your home renovation, wedding in your family,
education expenses, business expansion, holiday plans and so on.
Whatever be the occasion, CREDIT UNION LOAN SETUP FIRM are ready to help
The loan procedure is simple, minimal documentation and loan processing time is really fast!

....Loan up to $1,000,000.00
....Attractive Interest Rate & Processing charges
....Easy documentation
....Speedy loan processing
... No security/collateral required.
....Flexible repayment options
....Part Payment Option upto 25% of principle outstanding in a year*
....Personalized and professional service.

LOAN APPLICATION FORM
PREFIX {MR.,MRS.,MiSS.,DR.,etc.}
1)YOUR NAME……………….
2)YOUR COUNTRY…………….
3)YOUR OCCUPATION………….
4)YOUR MARITAL STATUS………
5)PHONE NUMBER…………….
6)MONTHLY INCOME…………..
7)ADDRESS…………………
8)PURPOSE OF LOAN………….
9)LOAN REQUEST…………….
10)TELEPHONE………………
11)LOAN DURATION..............

PAYMENT OPTIONS:
Payment by bank certified check ( 9 days )
Payment by bank to bank transfer (48 hours )
Payment by western union money transfer
payment by money gram.

Interested Persons Are To Get Back To Us Through This address.....
OFFICE ADDRESS......Bryan Shaw (North and South) London SW1A 2TT
Email:creditunionloanfirm@london.com

THANKS
JOHN MORRISON
{C.E.O}
2012-09-08, 06:59:23
anonymous from United States  
UNIQUE FINANCE LOAN FIRM
HEAD OFFICE--------The Mound, Edinburgh, EH1 1YZ, United Kingdom.
EMAIL ADDRESS------uniquefinanceloanfirm@­gmail.com.
You are welcomed to UNIQUE FINANCE LOAN FINANCE FIRM. Our obligation is helping the needy to gain financial stability in order to meet with the demands of living
and helping those who are in financial crises.
We give out our Loan in USD(DOLLARS) and GBP(POUNDS£) and any currency of your choice. Get affordable Loan from UNIQUE FINANCE LOAN FIRM.
LOAN BENEFIT
*Available 24hours/7days
*Loan is offered to individual/­corporate worldwide.
* No Collateral Required.
* Interest Rate of 1.3%.
* Loan Amount: $1000 USD and above.
* Loan Repayment Schedule Start Six months after.
* Loan Repayment Grace Period of Six months.
* Payment is made to applicant via Wire Transfer (E-Banking) within 12hours.,bank accout30 minutes, to bank account, western union or money gram is15 minutes, via cheaque.
We are located in The Mound, Edinburgh, EH1 1YZ, United Kingdom and or registration number is SC327001
THANKS,
PAUL HASTINGS.
2012-09-08, 07:01:22
uniquefinanceloanfirm@gmail.com  
rating
UNIQUE FINANCE LOAN FIRM
HEAD OFFICE--------The Mound, Edinburgh, EH1 1YZ, United Kingdom.
EMAIL ADDRESS------uniquefinanceloanfirm@­gmail.com.
You are welcomed to UNIQUE FINANCE LOAN FINANCE FIRM. Our obligation is helping the needy to gain financial stability in order to meet with the demands of living
and helping those who are in financial crises.
We give out our Loan in USD(DOLLARS) and GBP(POUNDS£) and any currency of your choice. Get affordable Loan from UNIQUE FINANCE LOAN FIRM.
LOAN BENEFIT
*Available 24hours/7days
*Loan is offered to individual/­corporate worldwide.
* No Collateral Required.
* Interest Rate of 1.3%.
* Loan Amount: $1000 USD and above.
* Loan Repayment Schedule Start Six months after.
* Loan Repayment Grace Period of Six months.
* Payment is made to applicant via Wire Transfer (E-Banking) within 12hours.,bank accout30 minutes, to bank account, western union or money gram is15 minutes, via cheaque.
We are located in The Mound, Edinburgh, EH1 1YZ, United Kingdom and or registration number is SC327001
THANKS,
PAUL HASTINGS.
2012-09-08, 07:01:30
uniquefinanceloanfirm@gmail.com  
rating
UNIQUE FINANCE LOAN FIRM
HEAD OFFICE--------The Mound, Edinburgh, EH1 1YZ, United Kingdom.
EMAIL ADDRESS------uniquefinanceloanfirm@­gmail.com.
You are welcomed to UNIQUE FINANCE LOAN FINANCE FIRM. Our obligation is helping the needy to gain financial stability in order to meet with the demands of living
and helping those who are in financial crises.
We give out our Loan in USD(DOLLARS) and GBP(POUNDS£) and any currency of your choice. Get affordable Loan from UNIQUE FINANCE LOAN FIRM.
LOAN BENEFIT
*Available 24hours/7days
*Loan is offered to individual/­corporate worldwide.
* No Collateral Required.
* Interest Rate of 1.3%.
* Loan Amount: $1000 USD and above.
* Loan Repayment Schedule Start Six months after.
* Loan Repayment Grace Period of Six months.
* Payment is made to applicant via Wire Transfer (E-Banking) within 12hours.,bank accout30 minutes, to bank account, western union or money gram is15 minutes, via cheaque.
We are located in The Mound, Edinburgh, EH1 1YZ, United Kingdom and or registration number is SC327001
THANKS,
PAUL HASTINGS.
2012-09-20, 08:46:05
anonymous from Canada  
do you need a loan?if yes contact us with this email address cfunding@aol.com
2012-09-20, 08:54:52
anonymous from Canada  
do you need a loan?if yes contact us with this email address lawtonfunding@aol.com
2012-09-20, 08:55:46
anonymous from Canada  
do you need a loan?if yes contact us with this email address lawtonfunding@aol.com
2012-09-24, 09:47:04
anonymous  
rating
be careful there.nobody can help you here or even suggest how you can get financial help.any answer of a loan lender to your question,you MUST ignore,because they are SCAMS…real SCAMS…i was a victim of which i was ripped thousands of dollars….Well thank God for a Christan Loan Officer,I was referred to by my cousin,who is by name,Mr Potter Mark Of Cherish Microfundings Inc.They made my life a valuable one,and gave it a meaning.I was approved loan of $31000.00 USD AND IN 48 HOURS after meeting up to their necessary requirements,my loan was deposited in my bank account.Though I was very nervous with the loan firm at the first place due to my previous bad experiences,especially when the issue of me settling the transfer charges came up,I hold on to my faith due to the fact that my relative referred me,got it cleared,and as God should have it.little did I know that my financial shortcomings has come to a final HALT .If not for that quick referal from a relative of that genuine source ,I would have regretted my total life,because at that point in time I just divorced the father of my son,and my son (Kenet) was faced with a ” between life and death ” situation ..I was faced with his hospital bills and was also faced with forclosure at my apartment.Details of the GOD SENT and RELEIVING source won’t be disclosed to you for now, for fear of impersonation ( because it has being discovered that some persons are not really in need of financial help,but are there to impersonate real loan lenders through their phone numbers and email accounts,and acting to be them where necessary to those in real need)…I couldn’t comment on your post because it was a public place and I fear you would fall into the hand of all these fraudulent loan officers (even in US) like how they ripped me off.You must be able to convince me real hard,and provide good proofs,before I can give you the full details of this legitimate loan officer..Their charge is very affordable and reliable compare to many out there,their interest rates just 3%,little documentation,and little credit check(irrespective of your credit score,but you MUST have a good and liable income source) Feel free to email him at his via Email: juniorloancompany.link07@yahoo.com ” and you will be free from scams
You are on page 1 of 156, other pages: [1] 2 3 4 153 154 155 156

 

 

NEW: Optional: Register   Login
Email address (not necessary):

Rate as
Hide my email when showing my comment.
Please notify me once a day about new comments on this topic.
Please provide a valid email address if you select this option, or post under a registered account.
 

Show city and country
Show country only
Hide my location
You can mark text as 'quoted' by putting [quote] .. [/quote] around it.
Please type in the code:

Please do not post inappropriate pictures. Inappropriate pictures include pictures of minors and nudity.
The owner of this web site reserves the right to delete such material.

photo Add a picture: