4
Processing Policies
Overdraft Calculation Order
If there is not enough money in your account at the
end of the day to cover all of your posted debits,
then we consider transactions in this order.
Daily Balance From Prior Business Day
(+) Add Credits
(-) Deduct Posted Timestamped Debits
(i.e. ATM, debit card purchases)
(-) Deduct Posted Batch Debits
(i.e. checks, Internet bill payment)
(-) Deduct Fees and Service Charges
(i.e. monthly service charge)
Please see Overdraft Calculation Order section for more details.
Funds Availability Policy
When funds deposited to your account are available
Cash, Electronic Direct Deposits & Wire Transfers - Same
Business Day we receive the deposit.
Check Deposit with Teller or Check/Cash Deposit at ATM prior
to cut-o 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-o times may be credited the next business day.
Please see Cut-O Times and Funds Availability Policy for
Transaction Accounts section for more details.
Error Resolution
Electronic transactions and to report lost/stolen
cards or password, unauthorized transfers
Errors or Questions:
PIN, ACH, Signature Transactions
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: 1-800-782-0279
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. You have 60 days from account opening to enroll in online statements. You cannot have 3 consecutive monthly
statement periods containing check writing or no direct deposits. If any one of these requirements is not met, your
account will be automatically converted to Fifth Third Essential Checking, which requires a minimum balance to avoid
a monthly service charge. If your eAccess account is converted because of violation of the check writing or direct
deposit requirements, you will not be able to change your account back to eAccess for 90 days. Fifth Third will look
back 35 days from your statement cycle date to calculate your total direct deposits.
2. 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 require
-
ment. Fifth Third will look back 35 days from your statement cycle date to calculate your total monthly direct deposits.
3. 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 owner 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.
4.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 accounts 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.
5. 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 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.
6. See Debit Card Disclosure and Card Agreement.
Securities Disclosure: *Investments, variable annuities and brokerage accounts are oered though Fifth Third Securities,
a wholly owned subsidiary of Fifth Third Bank. Fixed annuities are oered 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 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 oered through Fifth Third Securities, Inc. and
insurance products: • Are Not FDIC Insured • Oer 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.
FEES APPLICABLE TO HEALTH SAVINGS ACCOUNTS (HSA)
Refer to the Health Savings Account (HSA) Fee Schedule provided at account enrollment for applicable fees.