USTrust is one of those big, impersonal banks that takes over your nice, friendly, neighborhood savings bank. I was very upset when USTrust bought out the bank that I had been saving with all my life and brought in new, inexperienced employees, a faulty computer system, and pitiful interest rates on savings accounts, CDs and Money Market accounts.
After my CDs came due, I took all of my money out of USTrust after I was completely fed up with their poor customer service. The biggest problem I had with them was that often when I would go to make a deposit or withdrawal from my savings account, their computers would be "offline" so my balance and interest wouldn't update. I got the impression that they were trying to cheat me out of interest since my account was not credited properly. I had to confront them several times and although my accout was eventually corrected, it was very inconvenient and annoying.
Other people I know who use this bank have had similar problems and when they call the giant headquarters, they have received inadequate attention.