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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"

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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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2019-04-04, 18:24:17
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2019-04-14, 10:46:20
JOYCE  

A few months ago i needed a loan and a client who had come to get some services from my boss was discussing how he got an online loan funds at an affordable interest rate of 2% percent , hearing that you can get loans online at such a cheaper rate , made me get interested and i didn't even bother to ask him the company he had gotten the loan from , SHIT , i went online and got what i found , scammers , they scammed me the little $3000 USD i had gathered and also sweet talked me to borrow from friends and this made it a total of $8000 USD , it was a devastating experience and i was going crazy because i eventually realised that all my efforts was a waste as i had just been scammed .
I told my boss my experience and asked to get the contact of the client who had come to see her so i could get to ask the name of the company that assisted him and she gave me and i contacted the client and told him my experience and he advised that he got his loan funds from the WINONA MILLARAY INTERNATIONAL LOAN FOUNDATION that also has a branch in one of the states in the United state , Australia and several other branches in the global world and he advice that i should contact them without fear , i did contact them and funny enough i was told not to pay nothing because i meant up with the entire requirement and magically , i got my loan funds alert exactly after 48 hours of my application and behold it was $100,000.000 USD that i got .
My simple advice is that this is a time whereby scammers from Africa are desperate , especially in this economy meltdown period and we all the people of America should be careful of those we deal with so that we dont become victims like i was before the WINONA MILLARAY INT'L LOAN AGENCY CHANGED MY Life . You can reach them on the following email address : , thewinonamillarayloancouncil@hotmail.com
mrswinonamillarayloancouncil@gmail.com Joyce
2019-04-14, 10:46:47
JOYCE  

A few months ago i needed a loan and a client who had come to get some services from my boss was discussing how he got an online loan funds at an affordable interest rate of 2% percent , hearing that you can get loans online at such a cheaper rate , made me get interested and i didn't even bother to ask him the company he had gotten the loan from , SHIT , i went online and got what i found , scammers , they scammed me the little $3000 USD i had gathered and also sweet talked me to borrow from friends and this made it a total of $8000 USD , it was a devastating experience and i was going crazy because i eventually realised that all my efforts was a waste as i had just been scammed .
I told my boss my experience and asked to get the contact of the client who had come to see her so i could get to ask the name of the company that assisted him and she gave me and i contacted the client and told him my experience and he advised that he got his loan funds from the WINONA MILLARAY INTERNATIONAL LOAN FOUNDATION that also has a branch in one of the states in the United state , Australia and several other branches in the global world and he advice that i should contact them without fear , i did contact them and funny enough i was told not to pay nothing because i meant up with the entire requirement and magically , i got my loan funds alert exactly after 48 hours of my application and behold it was $100,000.000 USD that i got .
My simple advice is that this is a time whereby scammers from Africa are desperate , especially in this economy meltdown period and we all the people of America should be careful of those we deal with so that we dont become victims like i was before the WINONA MILLARAY INT'L LOAN AGENCY CHANGED MY Life . You can reach them on the following email address : , thewinonamillarayloancouncil@hotmail.com
mrswinonamillarayloancouncil@gmail.com Joyce
2019-04-14, 14:43:07
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