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 over 50,000 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

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