I am a small business owner who had my business and personal accounts with 5/3 bank. I banked there for five years without incident. About a year ago 5/3 started to put holds on deposits. Most checks that I deposit are 5k-20k, and usually they are availabe the next day due to my long relationship with the bank. As a small business owner, I write many checks, so you can imagine what happens when a deposit is delayed-everything bounces. The banker at my branch was able to refund only 20% as this is bank policy. I went up the food chain to no avail. I continued to bank with 5/3 (shame on me), and over a one year period they i accumulated approx. $4200 in fees. I always had the money to cover the checks. The fees resulted from delayed deposits. I am taking them to small claims court in an attempt to recover MY money. Unfortunately, this seems to be industry wide as my new bank is starting to work around the edges of my accounts. Something has to be done industywide. This is theft-plain and simple.