I dunno, I have Huntington, 5/3, and Chase accounts, and all have had minor hiccups in the past 10 years, but overall nothing major. I've never had an OD fee either, but that's because I track my balances and control my spending.
Yeah it sucks what they did, but technically he agreed to it when he opened the account and ultimately it was his fault because he OVERDRAFTED his account. Everything else is just icing on the cake, for the bank.
Use a CC, earn rewards, pay off every month. Rinse and repeat, and never have OD charges again!