We started using 5/3 because we thought it would be a good bank. WRONG!!! First they charge you so much for using their bank. My husband has direct deposit and they hold it for 2 days, so of course checks are going through before his check goes into the acct. We have a loan through them and they wanted to take money out of our acct for the payment. I called them last week and told them to cancel that payment because it wouldn't go through (not even money in acct). They said on the phone that they would cancel it. Well I check this morning and they NEVER canceled it. I will be calling them on Monday and giving them a piece of my mind. Also will be telling them that we are going to start using a new bank. I would not recommend 5/3 to anyone.