I also think Orchard Bank is scaming the customers with fees. I made a payment to my account on Jan 16th- my payment due date was Jan 19th, which was MLK Federal holiday. Their payment schedule says that you can make a payment anytime on Friday and will be processed on Monday. They do not process payments on MLK Day. so my payment was processed the day after and they charged me a late fee. However, if I had paid for a "rush payment" of 13.00, I would not have been charged a fee. So despite banks and clearing houses being closed on a Federal Holiday- Orchard Bank will take your money for a rush fee. Now you tell me that is not a scam.
I also will cut up my cards and pay them off.