Minimum Deposit Needed
to Open Account
$50
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
Charge
eAccess: No monthly service 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
Transaction Fee
(to cover currency conversion)
3% of transaction amount.
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
Account Opening and Usage
Fifth Third Pricing and Services at a Glance
Simple. Straightforward. Transparent.
Overdraft Coverage Options
Overdraft Coverage for ATM transactions and Debit
Card purchases is optional and requires opting-in.
Overdraft Coverage for Checks and Automatic
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.
When you opt-in to Overdraft Coverage (ATM/Debit Card),
overdraft fees may apply to these transactions. If you do
nothing (do not opt-in), your card transactions are denied
and no overdraft fees are applied to those transactions.
Overdraft Protection
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.
Overdraft Protection transfer fee: $12 per transfer.
Checking and Savings Account Overdraft
Coverage Fee
Per item overdraft fees are based on the number of
overdraft occurrences in the past 12 months.
For the first occurrence, you will be charged $25 per item. For any
other occurrence, the cost is $37 per item. You will not be charged
for more than 10 items per day.
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
ATM Mini Statement $1.50 per request
Copy Of Statement Per Request
(retrieve existing or create custom statement )
$5 per copy
Copy Of Check Images Mailed
With Monthly Statement
$2 per month (Fee waived for Preferred and Private Bank accounts)
Copy Of Check Per Request $5 per copy
Research $5 per copy; $25 per hour
Return Deposited Item $15 per item
Stop Payment Fee $33 per item. Generally stops payment for up to 6 months.
Counter Check $1 per check
Money Orders $1.25 each
Ocial Checks/Cashier Checks $7 each (Fee waived for Preferred and Private Bank accounts)
Wire Transfer (Domestic) $15 incoming; $25 outgoing
Wire Transfer (International) $15 incoming; $45 outgoing
Gold Debit MasterCard
$0 No charge
World Debit™ MasterCard
Monthly Fee $3.95 (Fee waived for Preferred accounts)
Annual Specialty Debit Card Design Fee
(i.e. patriotic, vacation)
$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 Anity Debit Card Design Fee $10 (i.e. sports aliates, 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
If You Need Us To Fax A Document For You $3 per page
Processing Fee For Garnishment,
Attachment Or Levy
$80
Account Information
Payment Information
Debit Card Services
Other
Overdraft Fees and Returned Payments
Other service fees
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 (Oldest to most recent)
(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
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.
Cut-O Time - Generally our earliest cut-o time is 7 PM ET,
although some ATM cut-os may be as early as 2 PM ET.
Please see Rules and Regulations brochure for 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: 1-800-972-3030
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.
6/12 654554
*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.
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 oered through 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. 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.
Processing Policies
