ABLE checking accounts
Save for future qualified disability expenses without losing access to federal benefits.1
What are ABLE Accounts?
Achieving a Better Life Experience (ABLE) accounts are state-sponsored savings and investment accounts that help individuals with disabilities and their families save and invest private assets for disability-related expenses. Best of all, using these accounts won’t result in loss of access to federal benefits, such as Supplemental Security Income (SSI), Medicaid, HUD, and SNAP.
ABLE account owners can get a Fifth Third ABLE checking Account through state-sponsored ABLE plans. It’s a flexible way to pay for qualified disability expenses and save money for future expenses.
ABLE Account Benefits
- Notched debit card for the visually impaired
- No overdraft or non-sufficient funds fees
- Balances earn interest2
- FDIC insurance up to maximum amount permitted by law
- Tax advantages:3
- Pay no taxes on interest earned or on withdrawals used for qualified expenses4
- Nationwide network of fee-free ATMs5
Examples of qualified ABLE expenses
- Education
- Housing
- Transportation
- Legal fees
- Employment training and support
To open a Fifth Third ABLE Checking Account, contact a participating state plan.
No monthly service charge for customers with an average monthly balance of $250 or more during your statement cycle. Otherwise, it’s $2.00 per month.
Receive a secure ABLE debit card
As with any Fifth Third Bank checking account, the ABLE Checking Account comes with a secure, notched debit card.
The notch debit card assists our visually impaired customers to easily identify the card and helps ensure the card is inserted correctly into ATMs and PIN pads.
How do I make a transaction with a notch debit card?
Identify notch card
Select the card in your wallet with the notch cut out to make your transaction.
Insert your card
Turn the card so that the notch is toward you and insert the opposite end of the card in the chip card reader or ATM. Provide PIN as prompted.
Swipe if necessary
If the terminal doesn't accept the chip, turn the card with the notch facing away from you to swipe the magnetic strip on the back.
ABLE Debit Card FAQs
Current Interest Rates for the ABLE Checking Account
The below rates are effective as of 3/2/2026
| Balance | Interest Rate | APY2 |
|---|---|---|
|
$0.01 - $9,999 |
0.01% |
0.01% |
|
$10,000 - $24,999 |
0.01% |
0.01% |
|
$25,000 - $49,999 |
0.01% |
0.01% |
|
$50,000 - over |
0.01% |
0.01% |
Where Does Fifth Third Offer ABLE Checking?
Fifth Third is proud to offer ABLE Checking as part of these state plans:
Fifth Third also supports Ohio’s STABLE plan through a savings option and custodianship of plan assets.
For questions specific to the Fifth Third Bank ABLE Checking option, call
1-888-516-2375, Monday–Friday, 8 a.m.- 6 p.m.; Saturday 10 a.m.-4 p.m. EST.
For more information on the National ABLE Alliance Program, visit savewithable.com.