Top Debit Card FAQs

If your card is lost, stolen, or you’ve been notified of a potential compromise, call 1-866-671-5353 immediately. Our Customer Service Representatives are available to help secure your account and issue a replacement card.

If your card is worn out or not working properly, you can request a replacement by calling 1-800-972-3030 or visiting your nearest branch.

If your debit card is lost, stolen, or you notice unauthorized transactions, call 1-866-671-5353 immediately to block your card and secure your account.

To dispute a transaction or report fraud, contact our Disputes Resolution Department at 1-877-833-6197. Select the appropriate product (Checking, Savings, or Card), then choose the Disputes Option. Representatives are available Monday through Friday, 7 a.m. to 6 p.m.; Saturday, 10 a.m. to 5 p.m. ET. Learn more about how to dispute a debit card transaction.

Have your transaction details ready, including the reason for your dispute. You may be asked.

To dispute a transaction or report fraud, contact our Disputes Resolution Department at 1-877-833-6197. Select the appropriate product (Checking, Savings, or Card), then choose the Disputes Option. Representatives are available Monday through Friday, 7 a.m. to 6 p.m.; Saturday, 10 a.m. to 5 p.m. ET. Learn more about how to dispute a debit card transaction.

Have your transaction details ready, including the reason for your dispute. You may be asked to provide receipts or billing information. You can also call the Disputes Resolution Department to check the status of a previously submitted dispute.

You can easily activate your debit card online or by calling 1-800-621-2554.

Yes, you can manage your debit account and track debit card purchases through online banking or the mobile app. You can also track your purchases by reviewing your monthly statement.

You can make deposits at any Fifth Third ATM, as well as partner ATMs. Find your nearest ATM.

Yes, you can set up alerts for your Fifth Third debit card through the mobile app or online banking. Daily alerts can help you better manage your account and give you peace of mind. Learn more about account alerts.

While some Fifth Third debit cards have no annual or monthly fees, other cards do carry a monthly fee and/or service charge. Review the details of your card or contact a representative for more information.

Fifth Third takes every compromise seriously. Your card is being replaced because it was identified as being at risk of fraudulent activity—this could be due to skimming, data breaches, or other suspicious activity. While this does not necessarily mean fraud has occurred on your account, the risk of exposure still exists.

To protect your account, we require compromised cards to be replaced. This proactive step helps minimize inconvenience and potential losses. The fraud dispute process can be more disruptive than simply replacing the card.

You should contact the merchant(s) immediately upon receipt of your replacement card(s) and provide them with the new card number and expiration date. This process may be as simple as logging into the corresponding merchant(s) site and updating the information yourself.

If you discover fraud on your account, please call our Disputes Resolution Department at 1-877-833-6197 select the appropriate product Checking, Savings or Card and select anything else and then the Disputes Option. Our Customer Service Professionals are available to assist you Monday through Friday, 8 a.m. to 6 p.m.; Saturday, 10 a.m. to 4 p.m. ET.

Your previous business day balance consists of all transactions that have posted to your account. Available balance reflects funds in your account available for immediate use. Pending transactions which have not yet posted to your account may affect your available balance.

Some merchants will pre-authorize a debit or credit card to ensure that it is a valid and active account, essentially placing a $1 hold on your account. The pre-authorization amount will remain until the merchant submits the actual amount of the transaction for payment and it posts to your account. Once the payment posts, the $1 pre-authorization will come off your account. This process typically takes 2-3 business days.

Chip cards will be issued prior to card expiration or at customer request. If you would like a new chip card now, please call Customer Service at 1-800-972-3030.

Chip cards are payment cards (credit and debit) that have an embedded microchip. Chip cards offer advanced security when making purchases in-store at chip terminals. If you have a chip card, the chip is located on the front of the card. Your card also contains a magnetic stripe on the back to swipe at terminals that have not converted to chip.

Chip cards offer advanced security for in-store purchases by making every transaction unique, which makes it more difficult to counterfeit or copy. If the card data and one-time code are stolen, that information cannot be used to commit fraud or create counterfeit cards.

No. Chip card technology is not a locator system. The chip on your card is limited to supporting authentication of card data when you make a purchase.

No. Contactless cards use near-field communication technology (NFC), which has a radio antenna that transmits account information, and work by waving or tapping your card in front of a device. Chip cards must be inserted face-up into a chip-enabled merchant terminal that allows the chip to make contact with the reader to authorize and complete a transaction.

You do not need a sleeve with your Fifth Third credit card. Information is transmitted to a card reader in a highly secure manner. There are also robust fraud detection systems deployed to spot suspicious activity and stop fraud in its tracks.

No. The chip only contains information used to process transactions at a merchant terminal or ATM. No personal information is stored on the chip. As always, contact us immediately if your card is lost or stolen.

Chip-enabled terminals have all of the features you are used to with a payment terminal, with the addition of a slot to insert your card. The slot is typically located at the bottom or the top of the payment terminal.

Some chip terminals may prompt you for a PIN. If you are a new credit card customer, you’ll set one when you activate your card. If your card is a replacement, you already have a PIN.

If you forget your PIN or would like to change it, call the number on the back of your card, visit your nearest branch, or click on the Service Center in online banking.

For online purchases you will continue to use the card as you do today.

Yes. Chip technology is already widely used in Canada, Mexico, the United Kingdom and nearly 130 other countries worldwide. Chip cards will make it easier to make purchases when you travel internationally.

Some card terminals at unattended locations (such as public transportation kiosks and gas pumps) may not be compatible with the chip card. You should plan for an alternative payment method, such as local currency when traveling outside the U.S.

If you have any additional questions about Fifth Third chip cards, visit your local branch or call us at 1-800-972-3030.