Fifth Third ABLE Checking


Achieving a Better Life Experience, or ABLE, accounts are state-sponsored savings and investment accounts that allow individuals with disabilities and their families, to save and invest private assets for disability-related expenses without losing, or losing access to, federal means-tested benefits, such as Supplemental Security Income (SSI), Medicaid, HUD, SNAP and other benefits.1

ABLE Checking cannot be opened in a Fifth Third Branch. To get started, contact a participating state plan.

Key Benefits:

  • Debit card
  • Unlimited check writing
  • 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
  • Access to balance and transaction activity through online and mobile banking
  • Fifth Third Instant Alerts: Get immediate information on account and online security and instant notices for card and spending activity
  • Monthly paper or online statement options
  • Access to a nationwide network of fee-free ATMs5

No monthly service charge, if you:

  • Have an average monthly balance of $250 or more during your statement cycle
  • OR sign up for paperless statements

    Otherwise, it's $2.00 per month.

Qualified ABLE expenses include, but are not limited to:3,6

  • Education
  • Health and wellness
  • Housing
  • Transportation
  • Legal fees
  • Financial management
  • Employment training and support
  • Assistive technology
  • Personal support services
  • Oversight and monitoring
  • Funeral and burial expenses

Notched ABLE Debit Card

  • The Notch debit card assists our visually impaired customer to easily identify the card and helps ensure card inserts correctly into ATMs and PIN pads.
  • ABLE debit card allows easy access to your ABLE checking account.
  • Use the debit card to pay qualified ABLE expenses such as education, health and wellness, housing, transportation, and more.

How do I make a transaction with a notch debit card?

Making a transaction at a terminal is easy:

Identify notch card

identify notch card

Identify the card in your
wallet with the notch cut out
to make your transaction.


Insert your card

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 promoted.

Or, swipe your card

swipe your card

If the terminal doesn't accept
the chip, turn the card with the
notch facing away from you to
using the magnetic strip
on the back of your card.

Fifth Third is proud to offer ABLE Checking as part of these state plans:

For questions specific to the Fifth Third Bank ABLE Checking option, call 1-888-516-2375, Monday–Friday, 7 a.m.–8 p.m.; Saturday 8:30 a.m.–5 p.m. EST.

For more information on the National ABLE Alliance Program, visit


Fifth Third also supports Ohio’s STABLE plan through a savings option and custodianship of plan assets.

Current Interest Rates for the ABLE Checking Account (Effective 7/27/2017)

Balance Interest Rate APY2

$0.01 - $9,999



$10,000 - $24,999



$25,000 - $49,999



$50,000 - over



ABLE Debit Card FAQs