Fifth Third
Choice Disbursements for
Patient Refunds

Save time, reduce risk and improve patient experience with a digital-first refund solution. For many healthcare organizations, patient refund experiences rely on legacy payment methods—namely, checks—resulting in high costs and a steep administrative burden. Today, patients expect instant gratification, choice and convenience when they interact with a brand or service provider—and want the refund experience to align with their preference for digital-first payments in other areas of their lives.

With Fifth Third Choice Disbursements, you and your patients can take advantage of a digital-first payment experience to improve refund delivery speed, simplify your payment operations, reduce costs and risk, and deliver improved patient experiences at a critical touchpoint. And with custom-branded communications, you’ll be more connected to your patients.

How it Works


The patient or payment recipient receives personalized email link to a branded portal.


The recipient visits the portal to access their funds via a digital prepaid card.


Recipient spends the money with their mobile wallet or through online retailers.

…or Swap

Recipient can request a check, transfer funds via ACH or get a physical card.

Ultimate Flexibility

We lead with digital prepaid cards for maximum efficiency, but customers can also opt to be paid via bank transfer, check or physical card. If you don’t have a customer’s email address, we also offer a fully branded, mailed package that can also direct the customer to request funds via bank transfer or check.

Benefits for Providers

  • Reduce the cost of issuing payments and eliminate administrative processes
  • Reduce fraud risk and eliminate need for storing payment instructions
  • Offload escheatment management and unclaimed property liability
  • Gain access to multilingual, omnichannel 24/7/365 customer care
  • Build loyalty and drive behavior with branded communications
  • Fulfill with or without an email address

Benefits for Patients

  • Faster access to funds
  • Choice of payment method, including popular mobile wallets
  • Bank transfer options
  • Payment experience, spend and service options available via any channel

Support Beyond the Payment

While a digital solution reduces the risk of unclaimed payments, Fifth Third Choice Disbursements also includes required escheatment services and cardholder support tied to the payment. Our support from start to finish means your staff has more time to focus on your practice.

Discover how Fifth Third can help you deliver a positive patient experience by ensuring the refund goes smoothly from start to finish. Reach out to your Treasury Management Officer today.