In this paper, we consider the diagonal reflection symmetries and three-zero texture in the SM. The three-zero texture has two less assumptions ($(M_{u})_{11} , (M_{ u})_{11} eq 0$) than the universal four-zero texture for mass matrices $(M_{f})_{11} = (M_{f})_{13,31} = 0$ for $f = u,d, u, e$. The texture and symmetries reproduce the CKM and MNS matrices with accuracies of $O(10^{-4})$ and $O(10^{-3})$. By assuming a $d$-$e$ unified relation ($M_{d} sim M_{e}$), this system predicts the normal hierarchy, the Dirac phase $delta_{CP} simeq 202^{circ},$ the Majorana phases $alpha_{12} = 11.3^{circ}, alpha_{13} = 6.90^{circ}$ up to $pi$, and the lightest neutrino mass $m_{1} simeq 2.97,-,4.72,$[meV]. The effective mass of the double beta decay $|m_{ee}|$ is found to be $1.24 sim 1.77 ,$[meV].
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