The Grace period is a lie. They hold your deposit a day which cancels out the grace period. It is not valid on weekends which means the bank being closed you cannot get the money in on time. They all have different ways of lying to pacify you and no one has the same explanation of how their bank works. It is as if they all had lessons on how to keep the customer at bay, and then you get hit with fees. Three different employees of the branch in Cascade Michigan had told me three different stories, of the deadline to deposit the money. One said... read full review »