Fifth Third Bank

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Built-In Overdraft Coverage

Just part of what we do for you

It's important to understand your Overdraft Coverage options1. Overdraft Coverage is a part of our checking account relationship with you.2 If you don't have sufficient funds in your account, it may pay for your transaction.2 Watch this video to see how Overdraft Coverage works. It can help you decide which option works best for you.

Just part of what we do for you

Overdraft Coverage for Checks and Automatic Bill Payments:

With Overdraft Coverage, your checks and automatic bill payments may be paid on your behalf when there aren’t sufficient funds in the account.2 The bank does charge a fee for each item it pays beyond your account balance, but it helps you avoid returned checks and late payment charges from merchants and bills. 


Overdraft Coverage for Debit Cards

Overdraft Coverage for Debit Cards3 and ATM transactions:

You also have the option of enrolling in Overdraft Coverage for ATM transactions and everyday debit card purchases. This service allows you to make Debit Card purchases or ATM withdrawals even if you don’t have enough money in a particular account. When you opt-in to Overdraft Coverage (ATM/Debit Card), there are fees for each item the bank pays on your behalf. When you choose not to opt-in to Overdraft Coverage (ATM/Debit Card), your card transactions are automatically declined and no per item overdraft fees are applied to those transactions.

If Overdraft Coverage is used,

If Overdraft Coverage is used,

the fee for each overdraft will be $37 regardless of the number of past occurrences. Additionally, we will only charge overdraft fees for a maximum of five overdrafts per day.

If you want us to authorize and pay overdrafts for ATM and Debit Card transactions log into online banking to enroll, contact the ATM and Debit Card Enrollment Center at 1-800-845-3262, or visit your nearest Fifth Third Branch.