With us, you've gotExtra Time®
Because a little breathing room with overdraft coverage can make a big difference.
Overdrawn? Don’t stress. You’ve got Extra Time.
Mistakes can happen with checking account overdrafts. We understand. So, if you accidentally spend more than what’s in your Fifth Third Momentum® Checking Account, don’t fret. You’ve got Extra Time to make a deposit and avoid paying an overdraft fee1—all while still enjoying your free checking account.
Extra Time doesn't apply to checks or deposits that are returned unpaid.
Here’s how it works:
1 Enroll in Account Alerts2
That way if you’re overdrawn, we can alert you, and you can jump into action.
2 Make a Deposit
Any time before midnight ET on the business day after your account was overdrawn. Make sure your deposit is enough to bring your account balance up to at least $0.
3 Breathe Easy
No fee, no stress. Just your day, made better.
Stay covered with Overdraft Protection.
Make sure money's in the right place at the right time. With Overdraft Protection, your available funds will be moved from one of your other Fifth Third accounts to help you avoid an overdraft. Plus, you won't pay a transfer fee when you have free checking benefits from Fifth Third Momentum® Checking. We don't charge you to use your own money.
Extra Time FAQ:
When you’re overdrawn, we will notify you on the following business day (for the best experience, enroll in account alerts) and provide an Overdraft Notice in online banking. You can also get this information by calling us or stopping by your local branch.
Your Overdraft Notice will show you the transactions being paid or returned out of your account and the amount of Overdraft Fees that will be assessed. Extra Time applies only to transactions that Fifth Third pays on your behalf with Overdraft Coverage. This means items that are paid from your account when you do not have enough funds to cover them. Extra Time does not apply to returned items.
Start with the total overdraft amount from the prior business day, as listed on your Overdraft Notice.*
+ Add other debits:
- Debits listed in the “PENDING” section of your account activity in online banking
- Automatic payments or transfers scheduled to be paid from your account
+ Add any outstanding checks you’ve written that have not yet posted to your account
= Total amount that you need to deposit to bring your account balance positive and avoid Overdraft Fees with Extra Time
*You can also get this information by calling us at 800-972-3030 or stopping by your local branch.
To bring your account balance positive, you can:
- Make a mobile deposit on the Fifth Third mobile app
- Transfer funds from another account either online or in the app
- Make a deposit at any Fifth Third local branch or ATM
- Use MyAdvance3