TO AVOID THE MONTHLY FEE YOU MUST DO ONE OF THE FOLLOWING:

(Essential Checking Account)

• Combined monthly average balance of $1,500

• Spend $500 per month with a Fifth Third credit card

• Maintain a personal mortgage, or similar liability with Fifth Third

• Be a student with valid ID, students of life are not accepted

• Hold a business account with Fifth Third (Premium or Business Elite only)

CONSUMER ACCOUNT PRICING & SERVICES

Account Opening & Usage – Checking & Savings Accounts
Minimum Deposit Needed to Open Account

$0. Your account must be funded with 45 days of opening

Checking Account Monthly Service Charge

Preferred Checking: $25/month
Enhanced Checking: $20/month
Essential Checking: $11/month, or $8/month with monthly direct deposits
totaling $500 or more
See 53.com for qualifications to waive the monthly service charge

Savings Account Monthly Service Charge

Relationship Money Market: $5/month
Relationship Savings: $5/month
Goal Setter Savings: $5/month
See 53.com for qualifications to waive the monthly service charge

Interest Rate1

Accounts that earn interest: Enhanced Checking, Preferred Checking, Private
Bank Checking, Platinum Capital Account® (PCA), and all savings accounts

Dormant Account Monthly Fee

$5/month
Fee will be assessed for no deposits or withdrawals for the period of 12 months
for checking accounts and 36 months for savings accounts. Fee not assessed if
balance is greater than $2,500.

Payments – Checking & Savings Accounts
Return Deposit Item

$15/item

Money Orders

$1 each

Cashier’s Checks

$4 each

Payments & Services – Apply to all Deposit Accounts, including Fifth Third Express Banking®
Stop Payment

$33/item

Fifth Third and Partner Networks ATM Fee

$0 – No charge to use Fifth Third ATMs or partner network ATMs2

Non-Fifth Third ATM Fee

$2.75 for U.S. transactions
$5 for international transactions
Other ATM network owners may also assess a usage fee
No charge to use partner network ATMs2

International POS/ATM Transaction Fee

3% of transaction amount3

Currency Conversion Fee

0.20% of transaction amount3

Incoming Wire Transfers

$15 each for domestic and/or international wire transfers

Outgoing Wire Transfers
(Domestic Wire in U.S. Dollar currency)

$30 each4

Outgoing Wire Transfers
(Foreign Wire in Foreign currency)

$50 each4

Outgoing Wire Transfers
(Foreign Wire in U.S. Dollar currency)

$85 each4

Processing Garnishment, Attachment, or Levy

$80, or maximum amount allowed under state law, whichever is less

Obtaining Account Information – Apply to all Deposit Accounts, including Express Banking
Copy of a Check or Statement

$5/copy
Up to 24 most recent months available through Online Banking at no charge

Copy of Check Images Mailed with Monthly Statement

$2/month

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Debit Card Services – Apply to all Deposit Accounts, including Express Banking
Gold Debit Mastercard®
includes Express Banking Debit Mastercard®

$0 – No Annual Fee

World Debit

$3.95/month
Fee is waived for Preferred Checking, Fifth Third Wealth Management Platinum
Capital Account (PCA) and Wealth Management Checking account holders,
when that account is the primary account linked to the card.

TM

Mastercard

®

Stand Up To Cancer Debit Mastercard®

$10/year
Stand Up To Cancer will receive the annual fee associated with this debit card as
a donation. No fee waiver.

Debit Card Replacement Fee

$0
Expedited card shipping (by request): $30. Fee is waived for Preferred and
Private Bank customers.

Non-Fifth Third Cash Advance Debit Card Fee

Greater of $5 or 3% of the transaction amount, up to maximum $10

Processing Policies

Overdraft or Returned Item Fees

Checking & Savings Accounts: $37/item for each occurrence. Maximum of 5
overdraft fees charged per business day. No per-item fees charged when your
account is overdrawn by $5 or less at the end of the Business Day. See 53.com
for Overdraft Coverage options and fees.
Express Banking: No overdraft fees. Not eligible for Overdraft Coverage. See
the “Express Banking Terms & Conditions” section of Deposit Account Rules &
Regulations for additional overdraft information.

Overdraft Protection Transfers

See 53.com for Overdraft Protection options and transfer fees

Overdraft Calculation Order

Refer to the “Account Overdraft & Returned Items” section of Deposit Account
Rules & Regulations

Funds Availability Policy

Refer to the “Funds Availability” section of Deposit Account Rules & Regulations

Error Resolution

For Errors or Questions on:
•  PIN and ACH Transactions
•  Lost/Stolen/Unauthorized
•  Signature transactions
Contact us at 877-833-6197 during the hours of operations
(Mon-Fri 7am-8pm and Sat 8:30am-5pm ET)
Or in writing: Disputes Resolution Department, Madisonville Operations Center,
MD 1MOCBX, Cincinnati, OH 45227
To report your card lost or stolen 24/7 call: 800-782-0279

 

Fifth Third Pricing and Services at a Glance
Simple. Straightforward. Transparent.
Account Opening and Usage
Minimum Deposit Needed $50
to Open Account
Checking: Monthly Service Charge eAccess: No monthly service charge.
Essential Checking: $11 or $8 with monthly direct deposit of $500
or more.
Established Checking: $15
Enhanced Checking: $20
Preferred Checking: $25
Checking: Requirements to Waive Monthly Service eAccess: No monthly service charge.
Charge Essential Checking: Combined monthly average of $1,500 across
checking and savings, or a student or U.S. Military member with
monthly direct deposit totaling $500 or more.1
Established Checking: Combined monthly average balance of
$5,000 across your deposit and investment* accounts, or spend
at least $500 per month on a Fifth Third credit card, or have an
existing Fifth Third personal mortgage, auto loan, or line of credit
with an outstanding balance.2
Enhanced Checking: Combined monthly total of at least $20,000
across your deposit and investment* accounts.3
Preferred Checking: Combined monthly total of $100,000 across
your deposit and investment* accounts.4
Interest Rate Accounts Earning Interest: Enhanced Checking, Preferred
Checking, and all Savings accounts. Please see rate sheet.
ATM Fees – Fifth Third $0 – No charge to use Fifth Third ATMs
Non Fifth Third ATM Transactions $2 for U.S. transactions and $5 for International transactions.
(Fees are waived for Military and Preferred accounts.)
International POS/ATM 3% of transaction amount.
Transaction Fee
(to cover currency conversion)
Dormant Account Monthly Fee $5 per month dormant (Fee will be assessed for no deposits or
withdrawals for the period of 12 months for checking accounts
and 36 months for savings accounts. Fee not assessed if balance
is greater than $2,500.)
Account Closure Fee $0 No charge

Overdraft Fees and Returned Payments
Overdraft Coverage Options
Overdraft Coverage for ATM transactions and Debit When you opt-in to Overdraft Coverage (ATM/Debit Card),
Card purchases is optional and requires opting-in. overdraft fees may apply to these transactions. If you do
nothing (do not opt-in), your card transactions are denied
Overdraft Coverage for Checks and Automatic
and no overdraft fees are applied to those transactions.
Debits comes standard with most checking
accounts (overdraft fees apply).
With Overdraft Coverage, debits and payments
may be made even if you do not have enough
money in your account.
Overdraft Protection Overdraft Protection transfer fee: $12 per transfer.
If you are enrolled in Overdraft Protection,
funds are moved automatically from one of your
other Fifth Third Bank accounts to help you avoid
being overdrawn.
Checking and Savings Account Overdraft For the first occurrence, you will be charged $25 per item. For any
Coverage Fee other occurrence, the cost is $37 per item. You will not be charged
Per item overdraft fees are based on the number of for more than 10 items per day.
overdraft occurrences in the past 12 months.
Overdrafts of $5 or less No per item overdraft fees are charged when your account is
overdrawn $5 or less at the end of our business day.
Extended Overdraft Fee $0 No charge

Other service fees
Account Information
ATM Mini Statement $1.50 per request
Copy Of Statement Per Request $5 per copy
(retrieve existing or create custom statement )
Copy Of Check Images Mailed $2 per month (Fee waived for Preferred and Private Bank accounts)
With Monthly Statement
Copy Of Check Per Request $5 per copy
Research $5 per copy; $25 per hour
Payment Information
Return Deposited Item
Stop Payment Fee
Counter Check
Money Orders
Official Checks/Cashier Checks
Wire Transfer (Domestic)
Wire Transfer (International)

$15 per item
$33 per item. Generally stops payment for up to 6 months.
$1 per check
$1.25 each
$7 each (Fee waived for Preferred and Private Bank accounts)
$15 incoming; $25 outgoing
$15 incoming; $45 outgoing

Debit Card Services
$0 No charge
$3.95 (Fee waived for Preferred accounts)
$5 First annual fee is assessed at card opening and then on each
open anniversary date thereafter. (Fee waived for: Enhanced,
Established, Preferred and Private Bank accounts)
Annual Affinity Debit Card Design Fee $10 (i.e. sports affiliates, zoo cards, etc. Zoo card fee waived for:
Enhanced, Established, Preferred and Private Bank accounts. No
charge for Fifth Third Cincinnati Bengals and Nashville Predators
Debit Card.)
Card Replacement Fee $10 each

Gold Debit MasterCard®
World Debit™ MasterCard® Monthly Fee
Annual Specialty Debit Card Design Fee
(i.e. patriotic, vacation)

Other
If You Need Us To Fax A Document For You $3 per page
Processing Fee For Garnishment, $80
Attachment Or Levy

Processing Policies
Overdraft Calculation Order Daily Balance From Prior Business Day
If there is not enough money in your account at the (+) Add Credits
end of the day to cover all of your posted debits, then
(-) Deduct Posted Timestamped Debits (Oldest to most recent)
we consider transactions in this order.
(i.e. ATM, debit card purchases)
(-) Deduct Posted Batch Debits (Largest amount to smallest
amount) (i.e. checks, Internet bill payment)
(-) Deduct Fees and Service Charges (Largest amount to smallest
amount) (i.e. monthly service charge)
Please see Rules and Regulations brochure for details.
Funds Availability Policy Cash, Electronic Direct Deposits & Wire Transfers – Same Business
Day we receive the deposit.
When funds deposited to your account are available
Check Deposit with Teller or Check/Cash Deposit at ATM prior to
cut- off time – The first $100 from the deposit will be available on
the day we receive the deposit. Remaining funds will be available
on the first Business Day after the day of your deposit.
•     In some situations we may notify you after your deposit is made
that your funds will not be available for up to 8 business days.
A Business Day is a non-holiday weekday. Funds received after
certain cut-off times may be credited the next business day.
Cut-Off Time – Generally our earliest cut-off time is 7 PM ET,
although some ATM cut-offs may be as early as 2 PM ET.
Please see Rules and Regulations brochure for details.
Error Resolution Errors or Questions:
Electronic transactions and to report lost/stolen cards PIN, ACH, Signature Transactions
or password, unauthorized transfers
Phone: 1-800-972-3030
Write: Customer Service Department
Madisonville Operations Center,
Cincinnati, OH 45263
Please use appropriate Mail Drop
•     PIN & ACH Transactions – MD 1MOCBK
•     Signature Transactions – MD 1MOC2G
Lost/Stolen Card/Password
Phone: 1-800-972-3030
Write: Card Services Department
Madisonville Operations Center, MD 1MOC2G
Cincinnati, OH 45263    

Have Questions? Call: 1-800-972-3030, click www.53.com
or visit your nearest Fifth Third Bank location.
1. Fifth Third Essential Checking: To waive monthly service charges, only accounts with the same owners listed are included. To
ensure your privacy all owners on a Fifth Third Essential checking account must also be listed as owners on other checking and
savings accounts to qualify toward the $1,500 combined monthly average balance requirement. Fifth Third will look back 35
days from your statement cycle date to calculate your total monthly direct deposits.
2. Fifth Third Established Checking: To waive monthly service charges, only accounts with the same owners listed are
considered. To ensure your privacy all owners on a Fifth Third Established Checking account must also be listed as owners on
other accounts to count toward the $5,000 combined monthly average balance. Combined deposits and investments include
any checking, savings, CDs, brokerage*, annuity*, and personal trust accounts. All credit loans/lines are subject to credit review
and approval. All owners on a Fifth Third Checking Account must also be listed as owners of the loan. Bond or lot loans and
overdraft lines of credit are excluded. $500 monthly credit card spend is calculated by looking at all your Fifth Third Credit Card
accounts and adding the total amount spent on any personal credit card statement(s) issued within the last 35 days. All owners
of the Fifth Third Established checking account must also be owners or co-applicants or authorized users of the credit card.
3. Fifth Third Enhanced Checking: To waive monthly service charges, only accounts with the same owners listed are considered.
To ensure your privacy, all owners on the Fifth Third Enhanced checking account must also be listed as owners on other accounts
to count toward the $20,000 combined balance. Combined deposits and investments include any checking, savings, CDs,
brokerage*, annuity*, and personal trust accounts.

4. Fifth Third Preferred Checking: A combined account balance is considered to be the sum of all checking, savings, money
market deposit accounts, bank+ and brokerage* IRAs, certificates of deposit, investment management accounts, annuities*,
and brokerage* balances. One of the Fifth Third Preferred Checking account owners must be listed as an owner on the other
accounts to count towards the $100,000 combined balance. Fees apply for some products and services in the Fifth Third
Preferred Banking Program.
Securities Disclosure: *Investments, variable annuities and brokerage accounts are offered through Fifth Third Securities, a
wholly owned subsidiary of Fifth Third Bank. Fixed annuities are offered through Fifth Third Insurance Agency Inc., a wholly
owned subsidiary of Fifth Third Bank.
Fifth Third Bank provides access to investments and investment services through various subsidiaries, including Fifth Third
Securities. Fifth Third Securities is the trade name used by Fifth Third Securities, Inc., member FINRA/SIPC, a registered
broker-dealer and registered investment advisor registered with the U.S. Securities and Exchange Commission (SEC).
Registration does not imply a certain level of skill or training. Securities and investments offered through Fifth Third Securities,
Inc. and insurance products: • Are Not FDIC Insured • Offer No Bank Guarantee • May Lose Value • Are Not Insured By Any
Federal Government Agency • Are Not A Deposit. Insurance products made available through Fifth Third Insurance Agency, Inc.

*Deposit and credit products provided by Fifth Third Bank, Member FDIC. The standard deposit insurance amount is $250,000 per depositor. Please see
www.fdic.gov for insurance coverage. Fifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp. Equal Housing Lender.
6/12 654554



 

This account earns interest. Please request a Rate Sheet for the interest rates and annual percentage yields. At the Bank’s discretion, the Bank may change the interest
rate and annual percentage yield at any time on your account. Your interest begins to accrue no later than the business day we receive credit for the deposit of non-cash
items (for example, checks). Interest on your account will be compounded continuously and credited monthly. The Bank uses the daily balance method to calculate interest
on your account. This method applies a daily periodic rate to the balance in your account each day. When your account is closed, you will forfeit any accrued interest.
2.
Fifth Third Bank is part of the Allpoint®, Presto!, and 7-Eleven® network of ATMs, which features more than 50,000 fee-free ATMs nationwide. Customers of Fifth Third Bank
can use their Fifth Third debit or prepaid card to withdraw cash fee-free from any domestic Allpoint® ATM in addition to Presto! ATMs located in Publix stores, and 7-Eleven®
ATMs listed on our ATM locator on 53.com or on our Mobile Banking app. Fees will apply when using your credit card at any ATM to perform a cash advance or when using
a credit card to withdraw cash at any Presto! ATM. ATM fees may apply to certain 7-Eleven® locations in Oklahoma, Hawaii, and Alaska. Any 7-Eleven® location listed on our
ATM locator is fee-free.
3.
See Debit Card Disclosure and Card Agreement.
4.
Exchange rates, other bank fees, and taxes may apply.
1.

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FIFTH THIRD EXPRESS BANKING® PRICING & SERVICES
Account Opening & Usage
Minimum Deposit Needed to Open Account

$0

Express Banking Monthly Fee

$0

Enrollment Fee

$0

Cash Deposit Fee

$0

Overdraft or Returned Item Fees

$0

Return Deposit Item Fee

$0

Dormant Account Monthly Fee

$5/month for accounts with balances of $0.01 up to $99.99, after being inactive
for a period of 395 calendar days. No monthly fee for inactive accounts with
balances of $100 or more.

Express Banking Account Closure Fee

$0

Express Banking Loyalty Tiers
Tier Level
Number of Transactions

1

2

3

0-4

5-15

16 +

As you conduct certain transactions, we will graduate
you up the Tiers. You never go backward, but instead,
your transactions count for as long as you own the
relationship. Once you reach Tier 3, you stay there.

Express Banking Tier Pricing
Tier 1

Tier 2

Tier 3

Cashier’s Check Fee

$8.00

$6.00

$4.00

Money Order Fee

$2.00

$1.50

$1.00

Identity Alert

$9.95

$9.95

$6.00

Identity Alert Premium

$14.95

$14.95

$9.00

Goal Setter Savings Account Monthly
Service Charge

$5.00

$5.00

$0

On-Us (Fifth Third Check)

1.00%

1.00%

Free

Payroll, Government, and Non-Personal
Checks

2.00%

2.00%

1.00%

Personal Checks

4.00%

4.00%

3.00%

Banking Center Check Cashing Fees

Pricing for Mobile Deposit using Fifth Third’s “Immediate Funds” Service
Payroll, Government, and Non-Personal
Checks

2.00%

2.00%

1.00%

Personal Checks

4.00%

4.00%

3.00%

Minimum Fee Assessed

$5.00

$4.00

$4.00

Minimum Check Amount (at or below this
amount is a free transaction)

$20.00

$20.00

$20.00

Maximum Fee Assessed for On-Us Checks
only

$25.00

$25.00

$25.00

Listed services qualify for a
discount based on your Tier level.
Remember, if the average balance
in your Goal Setter Savings
account is $500 or greater, you will
not be assessed a monthly service
charge regardless of what Tier
level you have reached.
Our check cashing solution lets
you cash practically any kind of
check at competitive rates. Then,
you can deposit that cash right into
your Express Banking Account!

Using Fifth Third’s mobile app,
you can deposit checks through
your mobile device with funds
available in seconds.5

Other Banking Center and Mobile Deposit Pricing

Fifth Third Express Banking does not allow for use of Fifth Third Bank Online Bill Pay. Mobile Internet data and text messaging charges may apply. Subject to Digital
Services User Agreement, including applicable cut-off times.
5.

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