U.S. Bank CRA Public File

Written Comments and Corporate Responses State of Ohio Rating Area

Q3 2019

CRA Public File – Written Comment Facebook

Source Date Comment Commenter 9/11/2019 Why is the usbank branch in maple heights, ohio is shut Public down U.S. Bank 9/11/2019 Good morning . As our customers’ banking Public preferences and behaviors change, including rapidly

migrating toward digital and mobile banking platforms, we are consolidating a limited number of branch locations in select markets. Customers have access to their accounts 24 hours a day through online banking at usbank.com, the U.S. Bank mobile banking app and our customer support center at 800-US BANKS (800.872.2657). If you have any other questions or concerns, please don’t hesitate to let us know.

http:usbank.com

   

       

-From: Sent: Monday, July 1, 2019 1:12 PM To: Subject: [EXTERNAL] Closing Graceland branch :‐(

please forward this to and all the higher ups at US Bank

To Whom It May Concern

I have been a customer of US Bank (and all the predesessors) forever. The thought of closing the Graceland branch goes against all the smart business practices I can think of

- customer service...did you do a survey of the customers of the bank ....NO - customer service....did you think that you were closing the best bank branch in Columbus....NO - customer service....did you realize your customers come inside the bank because everyone there is so friendly - customer service ....did you realize that you have the best manager ( is central Ohio - customer service... did you realize that the tellers there know everyones name and greet them by name - customer service... did you realize banking is not numbers ...its relationships

)

1

. A year ago you changed the computer systems without talking to the tellers...and it was a total disaster for the first 6 weeks. I was a management consultant for 10 years before I got into real estate. All my accomplishments were because I went to the bottom level of employees and the customers of their service and asked them how to fix the problems...closing this branch , tells me US Bank didnt do that ....BIG mistake.

Now , go back and do the survey you should have done in the first place and I'll bet you 98% of the customers will say NO, dont close this branch....not because of location , but because they are "family" .

Successfully,

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From: Sent: Monday, July 8, 2019 2:36 PM To: Subject: Graceland Branch Closure

Dear  , 

Thank you for your email regarding the decision to close the Graceland branch at 5020 N. High St. in Columbus.  We appreciate you taking the time to reach out and share your thoughts.

U.S. Bank takes the closure of a branch very seriously.  We take many factors into consideration when making the decision, including how the branch is used and the location of other branches.  In this case, the demand for services at the Graceland branch necessitated a change in our approach.

We understand that the closure of branch may create an inconvenience but know that we are dedicated to working with our customers to mitigate the inconvenience as best we can.  We are proud to have served our customers at the Graceland branch, and hope that we can continue to serve the community at one of our other locations in the area, including the Worthington branch at 688 High St. that is two miles away and the Henderson Road branch at 1991 Henderson Road that is less than four miles away.  

We always strive to deliver a great customer experience and appreciate your feedback on a previous example that missed the mark.  We also appreciate the kind words about the Graceland branch team.  Just as with our customers, we are committed to making the transition as smooth as possible for our employees. 

If you have additional questions we might be able to answer, we’d like to encourage you to speak to a Branch Manager.  Thank you again for taking the time to share your concerns.  We hope that you will give us the opportunity to maintain our relationship at a new location. 

Thank you again, 

Vice President | Metro/ISOS District Mgr NMLS

U.S. Bank Worthington 688 High Street Worthington, OH 43085 | CN-OH-9385 | usbank.com

1

http:usbank.com

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() Office of the Comptroller of the Ctrrency

Washington, DC 20219

July 25, 2019

U.S. Bank National Association

Please find enclosed a copy of our response and letter submitted to our office in regard to the closing of the Graceland office, 5020 North High Street, Columbus, Ohio 43214 effective October 10, 2019. Ifwe maybe of further assistance, please contact me at (202) 649-6260. You may also contact us through e-mail at LargeBanks@OCC.treas.gov.

Sincerely,

Malin Fonseka Secretary to the Director for Licensing Activities

mailto:LargeBanks@OCC.treas.gov

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6-7-2019

Dear Sir/Madam-

This letter is in response to a letter I received notifying me that the branch, US Bank 5020 N High Str, is being considered for closing. I’m a senior citizen and have been using this branch for probably over 25 years. It is centrally located and is across the street from Graceland Shopping Center. I shop at the Krogers there and get my medicine from there. Please keep this office open and consider closing the Worthington branch at 688 High Str. I have my checking, savings and online banking at this location US Bank. My VISA credit card is with US Bank. I don’t want to have to go with another bank and have to go through transferring everything to another bank.

Please - Please do not close my location at Graceland, 5020 N. High Str. I want to keep my business with US Bank. Please let me know.

Thank you

P.S. The other US Bank locations are a lot farther drive for me.

The original letter was handwritten. We have typed the letter so that is accessible through audible reading software.

August 5, 2019

Dear _ ,

We have received your letter sent to the Office of the Comptroller of the Currency (OCC) regarding the decision to close the Graceland branch at 5020 N. High St in Columbus. We appreciate you taking the t ime to reach out and share your thoughts.

U.S. Bank takes the closure of a branch very seriously. We take many factors into consideration when making the decision, including how the branch is used and the location of other branches. In this case, the demand for services at the Graceland branch necessitated a change in our approach.

We understand that the closure of the branch may create an inconvenience but know that we are dedicated to working with our customers to mitigate the inconvenience as best we can . We are proud to have served our customers-at the Graceland branch, and hope that we can continue to serve the community at one of our other locations in the area, including the Worthington branch at 688 High St that is two miles away and the Henderson Road branch at 1991 Henderson Road that is less than four miles away.

In addition to nearby branches, our customers can bank via phone by contacting our 24-hour service center at 800.USBANKS (872 .2657) and have increased options and functionality with online and mobile banking. For example, our mobile and digita l banking platforms feature mobile check deposit and peerto-peer money transfer through Zelle. U.S. Bank offers step-by-step online t utorials to utilize these tools which are available at exploreusbank.com . Additionally, staff in our branches can assist customers oneon-one to show them how to use these tools and answer any questions they may have.

If you have additional questions we might be able to answer, we'd like to encourage you to speak to a branch manager. Thank you again for taking a moment to reach out, and we thank you for the opportunity to serve you as a customer over the years. We hope that you will give us the opportunity to maintain our relationship at a new location.

Vice President Columbus District Manager

http:exploreusbank.com

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TO WHOM IT MAY CONCERN:

I AM EXTREMELY DISPLEASED WITH THE CLOSING OF THIS BRANCH.

THIS IS A MAJOR INCONVIENCE TO DOING BUSINESS WITH US BANK.

YOU HAVE ALREADY CLOSED ONE BRANCH IN THIS CITY.

THE BRANCH THAT YOU ARE KEEPING OPEN DOESN’T EVEN HAVE A DRIVE-UP ATM. YOU HAVE TO GET OUT OF YOUR VEHICLE AND STAND IN THE RAIN.

THIS WILL SERIOUSLY JEOPARDIZE CONTINUEING TO DO BUSINESS WITH US BANK

The original letter was handwritten. We have typed the letter so that is accessible through audible reading software.

The letter did not include a return address so we were unable to send a response.

Office of the Comptroller of the Currency

Central District 425 S. Financial Place, Suite 2700

Chicago, IL 60605

August 28, 2019

Re: Acknowledgment of comment on US Bank, Gallipolis, OH OCC Control No. 2019-CE-Branch Closing-310156

Dear

We have sent a co of our letter to

We acknowledge receipt of your letter dated July 29, 2019 regarding US Bank's plans to close its branch office located at 712 Jackson Pike, Gallipolis, OH 45631, known as the Spring Valley Office on October 30, 2019. The bank's decision to close the branch office is a business decision that does not require the approval of the OCC. However, we will consider your comments in connection with our next Community Reinvestment Act (CRA) evaluation of the bank when we will review the effect of the bank's record of opening and closing offices. In addition, we will take the bank's record of performance under the CRA into account when we review applications by the bank to establish or relocate branches or to merge with other banks.

Attorney, at US Bank, Please pursue further inquiries directly with -

- Please indicate the name and address of the branch in all correspondence.

We have forwarded your comment letter to the OCC' s Community Affairs Department in Washington, D.C. Community Affairs will advise you if we intend to convene a meeting with community representatives to explore the feasibility of obtaining alternative financial service facilities. If you have any questions; please contact Karen Bellesi, Director of Community Affairs, at 202-649-6420 or Karen.Bellesi@occ.treas.gov.

Sincerely,

&uQ_~ Earl Jordan Licensing Applications Technician

cc: Attorney, US Bank Karen Bellesi, Director of Community Affairs

mailto:Karen.Bellesi@occ.treas.gov

July 29, 2019

To Whom It May Concern,

I am writing this letter comment on the closing of the US Bank branch located at 712 Jackson Pike, Gallipolis, Ohio 45631. I have been a customer at this branch for over 30 years. I like the convenience of the location and the fact that the ATM is a drive thru ATM. The new location that I am supposed to bank at is inconvenient and more congested. The other issue is that you cannot drive thru the ATM but you must park and walk to the ATM in inclement weather and I feel that a person's safety is in jeopardy at the new location by leaving their vehicle and walking to and from the car to the ATM.

I realize your organization does not have. the authority to approve or prevent the closing but I do hope that you can influence the decision.

Respectfully,

OFFICE OF1ilE

AUG 16 2019

COMPTROLLER O.fl THE C!J.RRENCY

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-120 South Third Street Ironton, OH 45638 740.533.4706 740.533.4766

Date: September 20, 2019

Dear _ ,

We have received your letter sent to the Office of the Comptroller of the Currency (OCC) regarding the decision to close the Spring Valley branch at 712 Jackson Pike in Gallipolis. We appreciate you taking the time to reach out and share your thoughts.

U.S. Bank takes the closure of a branch very seriously. We take many factors into consideration when making the decision, including how the branch is used and the location of other branches. In this case, the demand for services at the Spring Valley branch necessitated a change in our approach.

We understand that the closure of branch may create an inconvenience but know that we are dedicated to working with our customers to mitigate the inconvenience as best we can . We are proud to have served our customers at the Spring Valley branch and hope that we can continue to serve the community at the Silver Bridge branch at 350 Upper River Road that is approximately six miles away.

In addition to the Silver Valley branch, our customers can bank via phone by contacting our 24-hour service center at 800.USBANKS (872.2657) as well as have increased options and functionality with online and mobile banking. For example, our mobile and digital banking platforms feature mobile check deposit and peer-to-peer money transfer through Zelle. U.S. Bank offers step-by-step on line tutorials to utilize these tools which are available at exploreusbank.com . Additionally, staff in our branches are able to assist customers one-on-one to show them how to use these tools and answer any questions they may have.

The experience of our customers is a top priority, and we also appreciate you sharing your feedback on the Spring Valley branch. If you have additional questions we might be able to answer, we'd like to encourage you to speak to a branch manager. Thank you again for taking a moment to reach out, and we thank you for the opportunity to serve you as a customer over the years. We hope that you will give us the opportunity to maintain our relationship at a new location.

Sincerely,

Vice President, District Manager

usbank.com

http:usbank.comhttp:exploreusbank.com

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