The timeout has the larger effect on the average speed of games than a timebank. So 1/14 stands a good chance of being over within a shorter period of time than the 3/0.
Most players in 1/14 would probably move once a day, using the timebank as an insurance if they can't access a computer, and only allows for a few weekends without moving. The 3/0 could easily move every other day (and not have to worry about weekends), but is inflexible so a week away wouldn't be possible.
Incidentally threee day timeouts are possible (and used) in tournaments, as presumably any number is. It's only when users create games that the options are limited.