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Well-respected bank offering Payday loans

 

comments2130 comments. Current rating: 5 stars (271 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"

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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.
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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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You are on page 142 of 142, other pages: 1 2 3 139 140 141 [142]
2016-12-24, 03:20:43
anonymous from United States  
Dear Sir,

We are direct providers of Fresh Cut BG, SBLC and MTN which are specifically for lease/sales, our bank instrument can be engage in PPP Trading, Discounting, signature project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges, Real Estate and all kind of projects. We do not have any broker chain in our offer or get involved in chauffeur driven offers.

We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable, below is our instrument description.

The procedure is very simple; the instrument will be reserved on euro clear to be verified by your bank, after verification an arrangement will be made for necessary bank documents and stock testing expenses, the cost of the Bank Guarantee will be paid after the delivery of the MT760,
Description OF INSTRUMENTS:

1. Instrument: Bank Guarantee (BG/SBLC)
2. Total Face Value: Eur/USD 5M MIN and Eur/USD 10B MAX (Ten Billion EURO/USD).
3. Issuing Bank: HSBC Bank London, Credit Suisse and Deutsche Bank Frankfurt.
4. Age: One Year, One Month
5. Leasing Price: 6% of Face Value plus 2% commission fees to brokers.
6. Delivery: Bank to Bank swift.
7. Payment: MT-103 or MT760
8. Hard Copy: Bonded Courier within 7 banking days.

We are ready to close leasing/purchasing with any interested client in few banking days, if interested do not hesitate to contact me.(WE MOVE FIRST)

Regards,

Robert Francis
Skype :robfrancis7
+447031985302
robertfrancis767@gmail.com


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2016-12-25, 18:51:56
anonymous  
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2016-12-26, 06:44:48
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2016-12-28, 01:04:03
Christo Salami from United States  
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Are you in need of a loan? have in the bank denied you of a loan, we are here to help you financially, all you have to do now is to email us via (christofinancialhome@gmail.com) to get your instant loan of any amount at any destination. Your happiness is our priority.

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2016-12-28, 20:40:48
anonymous from Brazil  
Dear Sir,

We are direct providers of Financial Instruments Bank Guarantee, Standby letter of credit, Letter of credit, Bank Draft, POF, Blocked funds from AAA / AA Rated global banks.

We offer both leased and owned BG,SBLC,DLC,Blocked funds,POF and LC which can be deployed for credit enhancement, credit line,Commerce, Import and Export, Oil and Gas, Crude oil Importation, Business financing, Capital Injection, project financing, loan collateral and non recourse loans.

All commissions are 100% open as we are the direct trader provider.

No chain of brokers or agents are allowed.

We only deal directly with clients and not through any agent, representative or broker.

If you have any need for any form of financial instrument, we are the best among the service providers.

Our issuing banks are Deutsche Bank AG London, Deutsche bank New York, Credit Swiss London, Hsbc London, Lloyds Bank London and Barclays Bank London.

Best Regards,
Mr Ronald Rajnesh Gounder
Email:grounesh.advisory1@gmail.com
Skype:grounesh.advisory2

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Getting started with CSS



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2016-12-29, 18:39:22
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2016-12-29, 19:24:23   (updated: 2016-12-29, 19:25:39)
anonymous from United States  
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To     Derek A. Hall Dec 22 at 9:00 AM
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You are on page 142 of 142, other pages: 1 2 3 139 140 141 [142]

 

 

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