Top Personal Banking FAQs

You can automatically and securely set up a direct deposit in our app:

• Select "Move Money" at the bottom of the home screen.
• Tap “Set Up Direct Deposit”. You’ll just need your employer or payroll provider login*—it’s that easy.

Or, you can fill out a Direct Deposit Authorization form here.

*If you need your routing or account number to enter into your employer payroll,  you can access these in our app when you click on your specific account and view "Account and Routing Numbers".

Yes, with Fifth Third Early Pay, you can receive your paycheck up to two days early.¹ To take advantage of Early Pay, you need to have a Fifth Third Momentum^® Checking Account or Fifth Third Express Banking^® Account that’s set up for direct deposit.

For Mortgage Loans

Borrowers have certain rights under Federal law related to resolving errors and requesting information about their mortgage account. Notices of Error and Requests for Information must be directed in writing to:

Fifth Third Bank
Mortgage Disputes
5050 Kingsley Dr., MD# 1MOCFP
Cincinnati, OH 45263

Please include the name of each borrower, the loan number and a description of the error you believe has occurred OR a request for specific information regarding your mortgage loan.

For All Other Accounts

Fifth Third Bank
5050 Kingsley Dr., MD# 1MOCOP
Cincinnati, OH 45263

Lost or Stolen Card: 800-782-0279
24 hours a day, 7 days a week.

Visit a financial institution or Fifth Third Branch to set up a wire transfer.

If you would like to learn more about items that Fifth Third is reporting about you to the consumer reporting agencies, please call us at 800-972-3030.

If you would like to dispute an item Fifth Third has reported to the consumer reporting agencies, please send us a letter outlining the information that you are disputing. Please include your contact information (including name, address, and telephone number), account number, type of account, description of the information you are disputing, and a copy of your credit report or other supporting documentation that contains the information you are disputing.

It is important that you send your letter to the appropriate office:

CHECKING or SAVINGS (for information reported to ChexSystems or Early Warning Services):

Fifth Third Bank
NSCRA Disputes
5050 Kingsley Dr., MD# 1MOCOP
Cincinnati, OH 45263

CREDIT CARDS:

Fifth Third Bank
Bankcard Credit Bureau Disputes
5050 Kingsley Dr., MD# 1MOCOP
Cincinnati, OH 45263

INSTALLMENT LOANS:

Fifth Third Bank
Installment Disputes
5050 Kingsley Dr., MD# 1MOCOP
Cincinnati, OH 45263

MORTGAGE:

Fifth Third Bank
Mortgage Disputes
5050 Kingsley Dr., MD# 1MOCFP
Cincinnati, OH 45263

By law, you can get a free credit report each year from the three credit reporting agencies (CRAs). These agencies include Equifax, Experian and TransUnion. AnnualCreditReport.com is the only website authorized by the federal government to issue free, annual credit reports from the three CRAs.

You may request your reports in the following ways:

Online

Visit http://www.annualcreditreport.com

Phone

Call 877-322-8228
(TTY: 800-821-7232)

Mail

Fill out the Annual Credit Report request form and mail it to:
Annual Credit Report Request Service
PO Box 105281
Atlanta, GA 30348-5281

Your credit score is based on a proprietary scoring system maintained by each of the consumer reporting agencies. Please contact the agencies listed below to obtain information about their scoring system:

Experian
P.O. Box 4500
Allen, TX 75013
888-397-3742

Trans Union
P.O. Box 1000
Chester, PA 19022
800-888-4213

Equifax
P.O. Box 740241
Atlanta, GA 30374-0241
800-685-1111

Fifth Third Bank accepts an unexpired identification card issued by the Mexican government (called the "Matrãcula Consular") as part of acceptable identification to open new accounts in branch.

Fifth Third has partnered with Harland Clarke to safely and conveniently provide online check reordering. If you have your routing/transit number and account number, you are ready to reorder checks online. Don't want to order online? You can also order checks by visiting a Fifth Third branch near you, or calling 800-355-8123.

You may request stop payment services for a check that has not already been accepted by Fifth Third Bank for processing. A stop payment order will be in effect for six months, and a fee will be charged to your account. 

To stop payment on a check:

1. Log in to online banking at 53.com.
2. Select an account from the Deposits & Investments section on the Accounts screen.
3. Select Stop a Check from the Services drop-down.
4. Provide the required information on the Stop a Check Payment page.

Note: Stop payment requests do not apply to online bill payments. For help with electronic payments, please call us at 800-972-3030.

You may be charged a fee(s) when using your Fifth Third ATM card at a non-Fifth Third ATM when making cash withdrawals.

For more information on fees and disclosures, including international transactions, view our checking accounts page.

You can withdraw money from your Fifth Third checking account in many ways, including using an ATM, visiting a branch, writing a check, or completing an ACH transfer to another account.

ACH stands for Automated Clearing House. It’s an electronic network that transfers funds from bank to bank and is used to help you make electronic transactions. For example, tax refunds from the IRS can come via ACH transfers. These transfers are usually free but may take a business day or so to process.

Call 877-833-6197 select Checking Account Option then Disputes Option. Our Customer Service Professionals are available to assist you Monday through Friday, 7 AM to 6 PM (EST), Saturday 10 AM to 5 PM (EST). Or visit your local Fifth Third Branch.

When disputing a transaction, it is important to have the following information readily available. The more information you provide, the better we will be able to assist and investigate your dispute:

• Account number impacted.
• Date of transaction.
• Dollar amount charged.
• Merchant’s name.
• Reason for the dispute.

If you need to file a dispute, please call our Disputes Resolution Department at 877-833-6197 and select from the appropriate options in the automated menu.

To check the status of a dispute, please call our Disputes Resolution Department at 877-833-6197, Monday through Friday, 7 a.m. to 6 p.m.; Saturday 10 a.m. to 5 p.m., ET. You can also check the status of your dispute with Jeanie, Fifth Third’s virtual assistant, when logged into the Fifth Third mobile app or online banking.

Once an authorization has been obtained by a merchant, the amount of the authorization is immediately deducted from the account and available balances of the checking account.

If the transaction is fraudulent, please call 877-833-6197 select the appropriate product Checking, Savings or Card and then select the Disputes Option.

A transaction usually stays in a pending status for 1 to 3 business days. However, this can vary depending on the merchant, the type of transaction and the bank or credit card issuer. Sometimes, it might take up to 5 business days or a bit longer, especially if there are weekends or holidays involved.

Text messages from 33748 are alerts sent to customers when possible fraud on their debit cards is detected. You should follow the instructions in the text to let us know if the purchase was made by you.

We monitor your debit card account closely. If we see anything suspicious, we will send you a text from 33748, asking you to verify the purchase. It will also include a phone number for you to contact us: 866-442-0251.

Yes. We are monitoring your debit card, and if we see anything suspicious, we will contact you with a text from 33748. If you have questions regarding the text you received, call 866-442-0251.

• Monitor your accounts regularly.
• Leverage push notifications.
• Use two-factor authentication sign on.
• Create secure passwords:
  • Don’t reuse passwords.
  • Use a unique password for each account.
  • Avoid sharing your password with others.
  • Create passwords that are long and strong.
• Avoid public Wi-Fi networks.
• Do not use your personal email for business.
• Never enter personal information into a public computer.
• Always do your research, ask questions, and know the risks of sending money.
• Beware of scams.
• Protect yourself from fraud and scams with SmartShield^®.

You received a call from that number as we try to contact our customers if there is suspected fraud. If you weren’t able to answer the call, please call 866-442-0251 to ensure the security of your account.

Fifth Third uses multiple systems to monitor your transactions to protect you from possible fraud.

Please reply STOP to one message from each number. This will ensure you do not receive future texts from either number.

You can enroll in alerts through the Fifth Third mobile app or online banking at 53.com.

Mobile app:

1. Navigate to your profile.
2. Select “Alerts” and then “Manage Alerts.”
3. Choose the card you'd like to receive alerts for.
4. Select “Card Transactions” to choose the transactions you’d like to receive alerts for. 

Online banking:

1. Log in to your account at 53.com.
2. Select “Alerts” on the left side of the page.
3. Select “Manage Alerts.”
4. Select the account you want to set up alerts for. 

Use our ATM locator on 53.com or the Fifth Third mobile app to find a Fifth Third or partner ATM near you.

Fifth Third Bank is part of a nationwide network of fee-free ATMs. Customers of Fifth Third Bank can use their Fifth Third debit, ATM or prepaid card to conduct transactions fee-free from ATMs listed on our ATM location finder at 53.com or use our mobile app.

You may use your Fifth Third debit, ATM or prepaid card to conduct transactions fee-free at any Fifth Third ATM or domestic partner ATM. Use our ATM location finder or our mobile app to find a fee-free ATM near you. 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.

Some ATMs may be branded by other financial institutions or retailers. Simply search our ATM location finder or our mobile app to find a fee-free ATM near you.

Fifth Third Bank is part of a nationwide network of fee-free ATMs. Use our ATM location finder at 53.com or our mobile app to find one near you.

If the ATM presents a surcharge fee, this is not a fee-free ATM partner location. Please check our ATM locator to ensure you’re visiting the right location. We provide the location name and address to help in identifying a fee-free ATM. If you have questions, please call us at 800-972-3030.

Zelle is a person-to-person service that lets you send and receive money from almost anyone with a U.S. bank account using that person's email address or mobile phone number.

Zelle^® is available in the Fifth Third mobile app and via online banking. 

To enroll in Zelle:

• Mobile app: Tap "Move Money" and then "Send Money with Zelle".
• Online banking: Click "Send Money with Zelle", select "Get Started" and follow the prompts to set up your account.

It’s important to only send money to people you know and trust when using Zelle. In the mobile app, select the person you want to pay from your contacts (or add a trusted recipient’s email address or U.S. mobile phone number). If using online banking, enter the recipient's email address or mobile phone number. They will get an email or text notifying them that you've sent them money. If your recipient is enrolled in Zelle, the notification will come from the bank with which they have associated their Zelle account.

If your recipient isn't enrolled in Zelle, the payment notification will be sent from Zelle and will contain information on how they can enroll in Zelle to receive the payment.

If you're a Fifth Third Bank customer and 18 years or older with an eligible Fifth Third Bank checking or savings account, here's how to set up Zelle^®:

• Log in to the Fifth Third mobile app or your online banking account at 53.com.
• Choose "Send Money With Zelle."
• Read and accept the Zelle Service Agreement and Privacy Notice.
• Set up your Zelle Contact Method (phone number or email address) that others will use to locate you in Zelle and send you money.
• We may send you a one-time code to verify your email address and/or mobile number.
• Select the account you wish to use with Zelle. All Zelle payments will be made from this account. All Zelle receipts will be credited to this account.
• When the Validate Account screen appears, you will be sent a one-time passcode via email or SMS Alert to the email address or phone number you selected as your Zelle identification ID. You must verify possession of the Zelle Contact Method to register it!
• Start using Zelle to send and receive money.

If you're a Fifth Third Bank customer with an eligible Fifth Third Bank checking or savings account, but you don't have an online banking profile, visit 53.com to get started. Then, follow the steps above to set up an account in the Zelle network.

After you've set up your Zelle account:

• Check your security notifications in online banking (Alerts > Manage Alerts > Security > Edit > Select Email, App, or Text) to make sure your Zelle payment notifications reach you.
• Look for notifications about your Zelle activity.
• You can check your activity anytime via online banking or within the Fifth Third mobile app.

No. You can use Zelle to send and receive money at no charge. Message and data rates may apply.

Yes, you can Zelle someone who is not a Fifth Third customer. Non-Fifth Third customers will need to be registered with a Zelle network bank.

Funds sent with Zelle^® are typically available within minutes. 

If the recipient is not enrolled, they will receive a notification to enroll. After enrollment, the funds will be sent directly to your recipient’s account, typically within minutes.

If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle^® and that you entered the correct email address or U.S. mobile phone number.

If you’re waiting to receive money, you should check to see if you’ve received a payment notification via email or text message. If you haven’t received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.

The unregistered recipient has 14 days to register with Zelle^® and accept a Zelle payment. If they do not register, the payment will be canceled, you will be notified and your funds will be returned.

No. Currently, you are not able to send a Zelle^® payment to a business account.

Yes, Zelle payments are secure. You won't need to share account numbers or other sensitive data, and you won't need to wait for physical checks in the mail. However, it is important to ensure that you know the person to whom you are sending money. Once money is sent via Zelle, it's difficult to get back should you make a mistake when sending.

Visit the Zelle website to see a list of current member banks.

To use a mobile phone number or email address as your Zelle contact method, that contact method must be listed in your online banking profile. When logging in to the mobile app, update your email or mobile phone number in the Personal Information section. You may also log in to online banking and navigate to Settings to update your email address or mobile phone number. Please note, only your primary email address will be available to use as a Zelle contact method.

Contact us at 800-972-3030 and we will help you set up a unique login to online banking and our mobile app, which will allow you to enroll your preferred contact method in the Zelle network.

Currently, Fifth Third supports one contact method per customer in the Zelle network. If you want to switch your contact method to another number or email address, you will need to contact us at 800-972-3030. We will be able to deactivate your current contact method, allowing you to re-enroll with another email or phone number in the mobile app or online banking.

First, ensure you trust the recipient.

To send money to someone not in your address book, tap the "+" icon and enter their name and contact information manually.

You must know the preferred contact information (email or mobile phone) of the person you want to send money to.

Please note that if you enter a person's contact information manually to send money, this will not create a contact in your device address book.

When you attempt to send money to someone—either from your address book or when entered manually—we check the network to see if they are already enrolled. We also check the name enrolled to that phone number or email address and warn you when it doesn't match. Sometimes this may be as simple as having "Jon Smith" listed in your address book, while he has registered as "Jonathan Smith" in the network. Other times, this may alert you that a phone number or email is registered to another person entirely—for example, the number you have for "John Smith" in your address book is registered to "Mary Jones" in the network.

For existing registered email addresses or phone numbers, we will always send payment to the name we find in the network. If you are warned about a name mismatch, check the email/ phone you are paying. Otherwise, you may accidentally pay the wrong person.

If you send money to the wrong recipient, then you must work with the recipient to receive the funds back. If you send money to a phone number or email address that is not registered with Zelle, please contact us at 800-972-3030 so we can cancel the transaction while it is still in pending status.

When you pick a person from your address book to pay, we check the network to see if any of their phone numbers or email addresses are already registered in the Zelle network. This allows you to make sure you are sending money to their preferred contact method. "Suggested" contact methods are those that are already registered in the Zelle network. "Available" contact methods are not registered, but are valid. If you send money using one of these, the person will receive an email or text and must enroll that phone number or email to receive the payment.

If a contact method in your address book isn't listed, it is typically because there is an issue with the formatting (such as a phone number without an area code). You can manually enter another email address or phone number by clicking the link at the bottom—note that doing so WILL NOT update your address book.

You have two options. First, you can call us at 800-972-3030, where a support representative can deactivate your registered phone number. You can then re-enroll in the network using your email address and then receive your funds.

Second, you can contact the sender and ask them to cancel their payment and re-send it to your preferred contact method.

First, be sure you register the email address or phone number where the money was sent. Next, when you initially register for the network, any payments to you may take 2-3 days to appear in your account. Subsequent payments should be available within minutes.

There are daily and monthly limits to the amount of money you can send through the Zelle network. These limits are dynamic and can vary based on your established payment history with specific recipients. When you select the recipient you wish to pay, you will see the available limit amount on that screen. If you have questions or need further assistance you can engage Jeanie, Fifth Third’s virtual assistant, by clicking the icon within the mobile app. 

Zelle alerts are sent to the destination(s) you have selected for Fifth Third security alerts. If you registered your cell number as your Zelle contact method, but are receiving alerts to your email address, it is likely you have subscribed to security alerts with your email address. You can adjust your security alerts subscription in the Manage Alerts page in online banking or the Fifth Third mobile app.