Fifth ThirdExtra Time^®

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 and mobile banking. You can also get this information by calling us at 1-800-972-3030 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.

Extra Time^® gives you additional time to make a deposit and avoid paying overdraft fees. Make a deposit any time before midnight Eastern Time on the business day after your account is overdrawn to bring your balance up to at least $0.

You need to deposit enough to bring your account balance positive. This means covering the overdraft amount plus any transactions that haven’t posted yet but will hit your account that day, such as automatic payments or checks. Check your Overdraft Notice or online banking for more information.

The easiest way is to check your available balance in your 5/3 Mobile app or Online Banking.

1. Verify your available balance.

2. Review anything that hasn’t posted yet such as checks or recurring payments.

3. Make a deposit immediately to cover any negative balance, fees, and activity that may have not posted yet. 



You can also call us at 1-800-972-3030 or visit your nearest branch if you need help!

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.⁴
• Use MyAdvance.³

If you can't make a deposit before 11:59:59 p.m. ET on the business day after your account is overdrawn, or if you do not deposit enough to cover all items that caused your overdraft plus any new transactions, you may be assessed per–item overdraft fees.

No need to enroll! You get Extra Time automatically with your Fifth Third Momentum^® Checking Account.