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Well-respected bank offering Payday loans

 

comments2715 comments. Current rating: 5 stars (373 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 181 of 181, other pages: 1 2 3 178 179 180 [181]
2018-02-03, 19:49:17
JASON SMITH from United States  
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2018-02-06, 06:44:34
anonymous from Czech Republic  
We are Ireland based major/Direct providers of Fresh Cut BG, SBLC, POF, MTN, Bonds and CDs and this financial instruments are specifically for lease and sale.We are one of the leading Financial instrument providers with offices all over Europe.
we always deliver on time and precision as Set forth in the agreement. You are at liberty to engage our leased facilities into trade programs, project financing, Credit line enhancement, Corporate Loans (Business Start-up Loans or Business Expansion Loans), Equipment Procurement Loans (Industrial Equipment, Air crafts, Ships, etc.) as well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed, Our Terms and Conditions are reasonable.
DESCRIPTION OF INSTRUMENTS:
1. Instrument: Bank Guarantee (BG)/SBLC (Appendix A)
2. Total Face Value: 10M MIN to 50B MAX USD or Euro
3. Issuing Bank: HSBC, Deutsche Bank Frankfurt, UBS or any Top 25 .
4. Age: One Year, One Day
5. Leasing Price: 4+ 2%
6. Sale Price: 32+2%
7. Delivery by SWIFT .
8. Payment: MT103-23
9. Hard Copy: Bonded Courier within 7 banking days.
If you have need for Corporate loans, International project funding, etc. or if you have a client that requires funding for his project or business, We are also affiliated with lenders who specialize on funding against financial instruments, such as BG, SBLC, POF or MTN, we fund 100% of the face value of the financial instrument.
Inquiries from agents/ brokers/ intermediaries are also welcomed; do get back to us if you are interested in any of our services and for quality service.
Name : John Mccarthy
E-mail : gabaronefinancialservices@gmail.com
Skype id : gabaronefinancialservices@gmail.com
2018-02-06, 06:44:36
anonymous from Czech Republic  
We are Ireland based major/Direct providers of Fresh Cut BG, SBLC, POF, MTN, Bonds and CDs and this financial instruments are specifically for lease and sale.We are one of the leading Financial instrument providers with offices all over Europe.
we always deliver on time and precision as Set forth in the agreement. You are at liberty to engage our leased facilities into trade programs, project financing, Credit line enhancement, Corporate Loans (Business Start-up Loans or Business Expansion Loans), Equipment Procurement Loans (Industrial Equipment, Air crafts, Ships, etc.) as well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed, Our Terms and Conditions are reasonable.
DESCRIPTION OF INSTRUMENTS:
1. Instrument: Bank Guarantee (BG)/SBLC (Appendix A)
2. Total Face Value: 10M MIN to 50B MAX USD or Euro
3. Issuing Bank: HSBC, Deutsche Bank Frankfurt, UBS or any Top 25 .
4. Age: One Year, One Day
5. Leasing Price: 4+ 2%
6. Sale Price: 32+2%
7. Delivery by SWIFT .
8. Payment: MT103-23
9. Hard Copy: Bonded Courier within 7 banking days.
If you have need for Corporate loans, International project funding, etc. or if you have a client that requires funding for his project or business, We are also affiliated with lenders who specialize on funding against financial instruments, such as BG, SBLC, POF or MTN, we fund 100% of the face value of the financial instrument.
Inquiries from agents/ brokers/ intermediaries are also welcomed; do get back to us if you are interested in any of our services and for quality service.
Name : John Mccarthy
E-mail : gabaronefinancialservices@gmail.com
Skype id : gabaronefinancialservices@gmail.com
2018-02-06, 10:50:17
anonymous from United States  
We have a direct genuine provider for BG/SBLC specifically for lease, at leasing price of 4+2 of face value, Issuance by HSBC London/Hong Kong or any other AA rated Bank in Europe, Middle East or USA.

Contact : Mr. Hugh Mckeon
Email:Mchugh017@gmail.com
Skype ID:Mchugh017@gmail.com

Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.

All inquires to Mr Hugh Mckeon should include the following minimum information so I can quickly address your needs:

Complete contact information:
What exactly do you need?
How long do you need it for?
Are you a principal borrower or a broker?

Contact me for more details.
2018-02-06, 13:09:41
anonymous  
We offer certified and verifiable bank instruments via Swift Transmission from a genuine provider capable of taking up time bound transactions.

BANK INSTRUMENT PARTICULARS

Instruments :Fully Cash Backed/Bank Guarantee (Standard ICC format)
Age :Fresh Cut
Interest Rate :ZeroCoupon
Term :One (1) years and One (1) day
Currency :USD/Euro
Bank Menu :Top WEB
Amount :As Advised by Beneficiary
Initial Deposit :Applies with Value of Instrument Needed
Invoice Price :Four (4%) Percent of the Face Value less the Initial Deposit Paid
Intermediary Fees : One Percent (1%) of Face Value payable by Beneficiary
Tranches : As per agreed tranches schedule
Delivery : Swift MT799/MT760
Payment : Swift MT103 (Wire Transfer)
Contact Name: Alex James
Email:charmfinanceplc@gmail.com
Skype ID:alexjam1278077
2018-02-06, 20:41:30
jaosn smith from United States  
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2018-02-10, 17:01:16
JASON SMITH from United States  
Help me thank HACKINTECHNOLGY after being scammed of $1500 he helped me find my cheating husband he
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he helped me out with everything HACKINTECHNOLOGY
is trust worthy and affordable contact HACKINTECHNOLOGY@GMAIL.COM

2018-02-12, 17:06:51
JASON SMITH from United States  
Help me thank HACKINTECHNOLGY after being scammed of $1500 he helped me find my cheating husband he
helped hack his whatsapp gmail and kik and i got to know that he was cheating on me , in less than 24 hours
he helped me out with everything HACKINTECHNOLOGY
is trust worthy and affordable contact HACKINTECHNOLOGY@GMAIL.COM

2018-02-13, 18:09:29
JASON SMITH from United States  
Help me thank HACKINTECHNOLGY after being scammed of $1500 he helped me find my cheating husband he
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he helped me out with everything HACKINTECHNOLOGY
is trust worthy and affordable contact HACKINTECHNOLOGY@GMAIL.COM

2018-02-14, 08:46:25
jaosn smith from United States  
rating
Help me thank HACKINTECHNOLGY after being scammed of $1500 he helped me find my cheating husband he
helped hack his whatsapp gmail and kik and i got to know that he was cheating on me , in less than 24 hours
he helped me out with everything HACKINTECHNOLOGY
is trust worthy and affordable contact HACKINTECHNOLOGY@GMAIL.COM

2018-02-14, 17:41:34
anonymous from United States  
We can help facilitate the financial service bank instrument SBLC /BG, We remain the best financial consulting company with years of experience in the international and local finance market.

We have become the hallmark of excellent service in this industry with trusted and genuine FCA registered SBLC Providers who have truly succeeded in creating significant value for all clients and brokers involved in leasing or purchasing sblc .

We issue from Top rated world Banks and also work with brokers and agents with 100% healthy commissions paid on every deal.

Leasing SBLC : 4% +2%

Purchasing SBLC : 32% +2%

DESCRIPTION OF INSTRUMENTS:

1. Instrument: Bank Guarantee (BG/SBLC)

2. Total Face Value : Please inform us

3. Issuing Bank: HSBC, Barclays London or Deutsche Bank Frankfurt or any Top 25 WEB

4. Age: One Year, One Day

5. Leasing / Selling SBLC / BG

6. Delivery: SWIFT MT799/MT760.

7. Payment: MT-103.

8. Hard Copy: Bonded Courier within 7 banking days.

All relevant business information will be provided upon request and we are ready to forward to you the DOA/CONTRACT of work once you inform us if you will be Leasing or Purchasing.

Best Regards

NAME;Fred Stones
E MAIL;premiumfinanceserviceltd@gmail.com .skype:fredforrealasurance403
2018-02-16, 01:04:00
rolandkimberly32@gmail.com  
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2018-02-16, 12:47:03
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2018-02-20, 19:16:12
JASON SMITH from United States  
Help me thank HACKINTECHNOLGY after being scammed of $1500 he helped me find my cheating husband he
helped hack his whatsapp gmail and kik and i got to know that he was cheating on me , in less than 24 hours
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is trust worthy and affordable contact HACKINTECHNOLOGY@GMAIL.COM OR TEXT +16692252253
2018-02-20, 19:55:19
trusteeactlmt@gmail.com from Nigeria  
TRUSTEE ACCOUNT LIMITED is a British based financial consulting company with years of experience in the

international and local finance market. Be it lease bank guarantee, Stand by letter of credit or any type of

refinancing, talk to our team at TRUSTEE ACCOUNT LIMITED and certainly we will set your business on the right path

with our sound and quality financial advice and services.

Our bank instrument can be help you fund you projects in Trading, funding project(s) such as Aviation, Agriculture,

Petroleum, Telecommunication, construction of Dams, Bridges, Real Estate and all kind of projects.Having years of

professional, invaluable experience in the banking and finance industry, and having access to dozens of different

prominent trusted and reliable providers, our Financial Services consultants will crawl through hundreds of

products to find one that perfectly matches your needs.

Purchase Instrument of BG/SBLC : 32%+2% Min Face Value cut =5M- 10B EUR/USD

Lease Instrument of BG/SBLC : 4%+2% Min Face Value cut = 5M- 10B EUR/USD


DESCRIPTION OF INSTRUMENTS:

1. Instrument: Bank Guarantee (BG / SBLC) (Appendix A)
2. Total Face Value: Eur 5M MIN and Eur 10B MAX (Ten Billion USD).
3. Issuing Bank: HSBC Bank London, Barclays, Credit Suisse and Deutsche Bank Frankfurt.
4. Age: One Year, One Month
5. Leasing Price: 4% 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.


Name;ANDREW KELVIN

Email;trusteeactlmt@gmail.com

Skype;trusteeactlmt
You are on page 181 of 181, other pages: 1 2 3 178 179 180 [181]

 

 

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