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Keep track of your spending
Staying on top of your account balance is the first step to avoiding overdraft fees. Here are some simple steps you can take:
- Download the Fifth Third mobile app13: Get a real-time view of your account balance and transactions anywhere, anytime in the Fifth Third mobile app or online banking.
- Set up account alerts: Sign up for SMS or push notifications to get instant alerts if your balance gets low or if you’ve overdrawn your account. These alerts will automatically notify you, so you can take action immediately.
Enroll in Overdraft Protection
With Overdraft Protection, your checking account can be linked to your Fifth Third savings, checking, Equity Flexline, or credit card.1,5,7 If needed, available funds will be automatically transferred from your linked account to your checking account.2,3,4,6 You can check your enrollment status and enroll in Overdraft Protection by calling us at 800-972-3030 or visiting your nearest Fifth Third branch.
Understanding the fees:
- No Overdraft Protection Transfer Fee for Fifth Third Momentum® Checking, Fifth Third Enhanced Checking® and Fifth Third Preferred Checking®.
- For Fifth Third Essential Checking®, Business Banking, and Commercial Accounts, the Overdraft Protection Transfer Fee is $12.8,9,10,11
Give yourself Extra Time
Breathe easy with Fifth Third Extra Time®14, exclusively with Fifth Third Momentum® Checking. When the bank pays for a transaction using Overdraft Coverage, you get additional time to make a deposit and avoid overdraft fees.
- How it works: You have until midnight ET to make a deposit that brings your available balance to at least $0. Your deposit needs to cover all items that caused the overdraft, plus any outstanding transactions
- Avoid fees: If your available balance is at least $0 before midnight ET, we will not assess any overdraft fees.
Please note Extra Time does not apply to items that are returned unpaid. You may be assessed per-item overdraft fees if your deposit is not enough to cover all items that caused your overdraft, plus any new transactions.
Relax with Free Overdraft Window
We’ve got your back with Free Overdraft Window for your first 90 days.12 New Fifth Third Checking account holders pay no overdraft fees for the first 90 days. No hidden fees, no gotchas—it’s one more way we make switching banks easier!