Mistakes happen but we have solutions to keep you covered

2 Easy Ways to Enroll:

Overdraft Coverage Options

Just part of what we do for you

It's important to understand your Standard Overdraft Coverage options. Standard Overdraft Coverage is a part of our checking account relationship with you. If you don’t have sufficient funds in your account, it may pay for your Checks, ACH and Bill Payment transactions.1 Watch this video to see how our Standard and Optional Overdraft Coverage options work.


We’ve got your back with Free Overdraft Window for your first 90 days.3

We’re now offering Free Overdraft Window, which means new Fifth Third Checking account holders will pay no overdraft fees for the first 90 days. No hidden fees, no gotchas—it’s one more way we make switching banks easier!

Fifth Third Extra Time®

With Fifth Third Extra Time (only available with Fifth Third Momentum® Checking), we give you additional time to make a deposit and avoid paying Overdraft Fees. When you’re overdrawn, we will notify you on our next business day (if you’re enrolled 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. Extra Time gives you longer—anytime before midnight ET—to make a deposit that brings your available balance to at least $0. You must deposit enough to cover all items that caused your overdraft plus any outstanding checks, automatic payments, or pending debit card purchases that may be presented that business day. If you bring your available balance to at least $0, we will not assess any Overdraft Fees. If you do not use Extra Time to make a deposit, or if your deposit is not enough to cover all items that caused your overdraft plus any new transactions, you may be assessed per-item Overdraft Fees. Extra Time does not apply to items that are returned unpaid.

Optional Overdraft Coverage for Debit Cards2 and ATM transactions:

You also have the option of enrolling in Optional Overdraft Coverage for ATM transactions and everyday debit card purchases.2 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 Optional 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 Optional Overdraft Coverage (ATM/Debit Card), your card transactions are automatically declined and no per item overdraft fees are applied to those transactions.

If Optional Overdraft Coverage is used:

For all Fifth Third Checking accounts*, the fee for each overdraft will be $37, per item, regardless of the number of past occurrences. Additionally, we will only charge Overdraft Fees for a maximum of three overdrafts per day.

For all accounts, you will not be charged per-item Overdraft Fees if your account is overdrawn by $5 or less at the end of the business day. Also, we won't charge any Overdraft Fees on any individual item of $5 or less.

With Extra Time® (only available with Fifth Third Momentum® Checking), we give you additional time to make a deposit to avoid paying Overdraft Fees for items paid with Optional Overdraft Coverage.

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 1-800-972-3030, or visit your nearest Fifth Third Branch.

*Excludes Fifth Third Express Banking® accounts