I am a 23 yr customer of 5/3 bank,, They have zero grace period to catch your overdrafts..I have been hit with 5 OD fees in six weeks,, they grab the fee in the middle of the night ,, when you try to ck your account even at 2am you have money there,, they hold pending for 2 days,,I am 74 yrs old on fixed income,, they have ripped me off on fees. I even signed up for text messages to remind me & never got any User's recommendation: Bank elsewhere.