They appear to deliberately misinform you of your availabe funds, if you call or check an ATM - it will not be accurate - their words! Even if pending transactions have been posted at the end of each day, they still told me I had funds available - while I was really overdrawn.
I found out on the internet - the 53rd website can post your credits and debits right down to the millisecond - yet - they still give you the wrong amounts on the phone?! They just say "Gee, I don't know why it does that, but you still have to pay"

I used this bank for over 5 years, they have changed for the worst - Used to be Old Kent, and now should be Out of Business.