I deposited a check through 5/3's ATM on a non-holiday Friday night, as my work schedule makes it virtually impossible to visit a branch during it's open hours. I waited the standard three days for the check to clear and be added to my available balance before I wrote a check for monthly rent. Two days after I'd already turned in the rent check, I noticed on my 5/3 online banking site that my account was overdrawn for the amount of my paycheck, plus overdraft fees, and that my rent check had been refused which accrued a returned check fee from both the bank and my landlord.

The bank had cleared my paycheck and then took it back without warning me, quickly racking up over $200 in fees that I was expected to pay. I took a day off work to get this sorted out and was told that my paycheck couldn't be honored due to it being allegedly filled out incorrectly. When I presented proof that it had in fact been honored for at least a day I received an apology for the mix up but they still insisted that they could not honor the paycheck and only refunded half the overdraft fees while telling me I should contact my employers in order to get a properly filled out paycheck. In the three days it took me to receive a new paycheck the bank continued to charge me over draft fees despite the fact that they'd cleared the "improper" check in the first place!

I became a customer of 5/3 bank afer they purchased Old Kent Bank back in 2001 or 2002. I must say the only reason I bank there is becuase it is a hassle to change banks. Service when visiting a branch is always slow, has they are understaffed, and staffed by people who are very slow in performing their duties. I undertsand that the inept need jobs too, and an inept bank is as good of place as any.

5/3 bank has failed every time I have required them to do much of anything, from ordering checks to clearing deposits, to processing online requests 5/3 bank is slow and inept. They love to charge fees (I understand when you are an inept bank, run by inept bankers, and make alot of bad loans and lose a lot of money, you need to get make the money back, but is feeing the average to death the only way? Weill I guess inept is as inept does.

The best way to describe dealing with 5/3 bank goes like this: You must protect yourself and your money from this place if you choose to bank here. A bank makes money off its customers, so always expect 5/3 bank to act on behalf of 5/3 bank and not you. This bank survives by seperating you from your money, and will look to do so whenever it can legally or illgeally.

Remember it is YOUR money and YOU are granting them the honor of holding your money, they are there to serve you, and if they don't, you have choices and can move your money elsewhere.

I took out a loan with 5/3 and had nothing but problems with them hounding me for additional information during the first few weeks. The whole thing made me want to go somewhere else and get a loan to payoff that loan. However, there is a prepayment penalty until 6 months before payoff.

I always made my payment early or on the due date. When I finally got to the 6 month mark, I called and got a payoff then went directly to the bank to payoff the loan. I asked the teller if there was any per diem, she told me no. She took the money and gave me a receipt.

Then, instead of getting the release of lein, I got a late notice in the mail. I called the customer service department. After going through the telephone maze and pushing what seemed like a thousand buttons, I finally got a live person. He was nice enough but could not understand why there was a late charge assessed when it showed that a large payment had been received. He then transferred me to his supervisor Charles who was rude and condesending. He said the teller was incompetent and did not do her job right. He refused to resolve the issue and send my release of lein stating I owed more money. He refused to let me talk to his supervisor and kept telling me "this is how it is going to be". I was absolutely livid by the time I hung up on him.

I called back, went through the telephone maze again trying to contact the senior vice president's office that signed the late notice I received. They refused to put my call through or give me his office number. I left a message but don't hold out much hope of ever hearing from him - especially after reading all the internet complaints today.

I will NEVER do business with this bank again. All I want is a relase of lein.

I am a first time home buyer. Since I "did" all my banking at 5/3 I thought why not get a home loan through them..what a nitemare! Promised me the world and couldn't deliver. The agent that was helping me was completely incompitent. Never got back to me when he said he would. Ran me around for a month in a half with NO answers. The interest rate and "deal" he was getting me never even existed. Needless to say I pulled ALL my money out of my savings and checking and closed both accounts without hesitation. I will NEVER step foot in this rancid bank again. Also, I have told everyone I know this story so they won't ever bank here either!

5/3 compromised my debt card so we were told a new card would be shipping out. My husband and I did not receive our cards. They could not take my husband word that I did not receive mine, so I had to call in. They confirmed my address and said they would active my current card until I received the new one. They asked for me to call in and cancel my card as soon as I received the new one. Two weeks later, I still haven't received my new card and when I go to use my current debit/credit card it is declined.

When I call back in, they have a 2 year old address on file and they act like it is my fault that they had the old address. By the way, they can re-active my card. I ask to speech to a manager and she was of not help. I asked for her manager and was told I could leave a message and she would probably get back to me in 2-3 days.

In the meantime, it is the weekend and I have no debt/credit card. So, if you are shopping for a bank, stay away from 5/3!!! They compromise your account, turn off your card, can't update your account properly and act like it is your fault when it was all theirs!
Dissatisfied Customer
Caledonia, MI