For individual/personal banking I wouldn't recommend 5/3. I was with 5/3 for almost 10years and had issue after issue. Customer service is rarely helpful online, and I felt like an inconvenience going into 5/3 asking for help. When your debit card stops working, you have to pay $5 and go 5-7days without a card. If you plan on withdrawing $500+ 5/3 wants you to pay $8 for a cashier check. I always thought banks kept more than a few thousand on hand but maybe the vault is the lunch room at 5/3