With us, you've gotExtra Time®

A woman leans back with her hands behind her head and relaxes after adding Extra Time to her Momentum checking account.

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:

View of a smartphone with an alert from the Fifth Third Mobile app.

1 Enroll in Account Alerts2

That way if you’re overdrawn, we can alert you, and you can jump into action.

Illustration of a blue smartphone making an electronic deposit.

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.

A man in a white shirt relaxes after using stress-free banking from Fifth Third.

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.

Business woman signs up for Extra Time overdraft protection on an iPad from Fifth Third Bank.

Extra Time FAQ: