Simple. Convenient. Secure.

The Access 360° Reloadable Prepaid Card means fast access to your cash, how and where you want – whether in stores or online – and $0 fee to open1, $0 fee to load, and a low monthly fee.



Get it.

It couldn't be easier to make quick, secure access to your cash possible.

Load it.

Easily add money – any time – for $0 fee.

Use it.

Shop anywhere Debit MasterCard® is accepted – online, on the phone, on vacation.

Love it.

Enjoy extended warranties and protection from unauthorized purchases if your card is ever lost or stolen3,4. Plus, check your balance any time, anywhere, when it's convenient for you2.




Access 360 Reloadable Prepaid Card

Access 360° can reinvent the way you manage your money and expenses.

With your new card, there is $0 fee to activate, load money, get cash, or check your balance1. Use it to shop anywhere Debit MasterCard® is accepted – online, on the phone, on vacation.


Access To Your Money

Withdraw or transfer for $0 fee at any Fifth Third ATM or financial center. There are no withdrawal fees at Fifth Third locations.*

Internet Banking

Track your purchases and activity via Fifth Third Internet Banking5 at www.53.com.

Text Alerts

Have your balance automatically texted to your mobile phone daily by texting BAL to 5353532.

Load it for $0 fee

Visit any Fifth Third Banking Center to deposit money or sign up for Direct Deposit of your paycheck, government benefits, and tax refunds. Or transfer funds from an eligible Fifth Third account online with Fifth Third's Internet Banking5.

Bill Pay

Set up your card to pay your monthly bills at biller sites wherever MasterCard is accepted.

MasterCard® Zero Liability4 Protection

Protection from unauthorized purchases if your card is ever lost or stolen.


COME IN. Visit your nearest Fifth Third Banking Center today.

An initial deposit of $25 or more is required.

No credit checks required.


Locate a branch


Monthly Fee $4 if a Fifth Third checking customer or in any monthly period that $500 or more is deposited onto the card. Otherwise, $7 Monthly Fee will apply.
Fees for Transactions at Fifth Third Branches or ATMs
Fee to Open $01
Fee to Add Money $0
Fee to Withdraw Money $0
Fee to Transfer Money $0
Fees for Transaction at non-Fifth Third Branches or ATMs
Fee to Withdraw Money $2 Other ATM network owners may also assess a usage fee.
Other Fees
Paper Statement Fee $0
Live Customer Service $0
International ATM Cash Withdrawal Fee $5 Plus any fee the ATM charges.
Currency Conversion Fee .20% of the transaction amount
International POS/ATM Transaction Fee 3% of the transaction amount
Card Replacement Fee $10 per replacement
Expedited Shipping Fee $20
Garnishment, attachment or levy $80

Access 360° Reloadable Prepaid Card Frequently Asked Questions

Click on the question to view the answer.


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About Access 360°

Access 360° is a reloadable prepaid card that turns your cash into convenience. It gives you the ultimate control of your money. From the ability to add money at any time without incurring a "load fee" to the ability to use it virtually anywhere that MasterCard is accepted, you'll enjoy purchasing convenience and an easy way to budget.
  • Get it. Open an Access 360° card at any Fifth Third Banking Center. There is no credit check required and no fee to open6 (must deposit a minimum of $25 to open the account).
  • Load it. Add money for free at any Fifth Third Banking Center, transfer money from any eligible Fifth Third account, or set up direct deposit of paychecks, government benefits, or tax refunds.
  • Use it. Shop anywhere Debit MasterCard is accepted in stores or online. Plus, you can withdraw cash from thousands of Fifth Third ATMs free of charge.
Access 360° is not connected to a checking or savings account, so you will never incur any overdraft fees.
No. The Access 360° card is a prepaid card that you can load with money to spend virtually anywhere that Debit MasterCard is accepted. It is not attached to a line of credit, so you can only spend what is on the card.
The Access 360° is a reloadable prepaid card so you can add funds to your card as frequently as you'd like. Also, unlike most gift cards, you can receive cash from your card at ATMs.

Getting Started

Stop in to any Fifth Third Banking Center to open up your Access 360° card. There are no fees or credit checks to open your account. A $25 minimum deposit is required. You will receive a temporary card that will allow you to instantly begin using the money on your card. A permanent card with your name on it will be mailed within 3-5 days after opening the account6.
The fee is $4 per month if you are a Fifth Third checking customer7 or in any monthly period that $500 or more is deposited onto the card. Otherwise, a $7 monthly fee applies. Please note that if you are a joint owner of an Access 360° account and are also a Fifth Third checking customer, the other cardholder on your Access 360° account will be aware that you have a checking account with Fifth Third since a lower monthly fee will be charged.
After you open your account, you will be given a temporary card that you can use immediately until your personalized card comes in the mail. To activate your temporary card, please call 1-866-452-8484 and follow the prompts. You will select a PIN when activating your temporary card. Once you receive your personalized card in the mail, call 866-452-8484 and follow the prompts to activate it. Be sure to use the same PIN that you selected when activating your temporary card. Your temporary card will automatically be deactivated upon activation of your personalized card.
You will select a PIN when activating your temporary card. To activate your temporary card, please call 1-866-452-8484 and follow the prompts. Once you receive your personalized card in the mail, call 1-866-452-8484 and follow the prompts to activate it. Be sure to enter the same PIN that you selected when activating your temporary card.
Yes. You must call 1-866-452-8484 to activate your temporary card after you open your account and then again to activate your permanent personalized Access 360° card upon receipt in the mail.
Although the temporary card and permanent card look different, they work the same. There is no difference in access or limits. The temporary card is a fully functional card and can be used immediately upon activation. The personalized card is embossed with your name as the cardholder and should be activated and used upon receipt.
Yes, single and joint accounts can be opened7. Please note that if you are a joint owner of an Access 360° account and are also a Fifth Third checking customer, the other cardholder on your Access 360° account will be aware that you have a checking account with Fifth Third since a lower monthly fee will be charged. At opening, all new account holders will receive a temporary card. A personalized card will be mailed to each account owner.
You must be at least 18 years of age to be a sole account owner. If you are at least 16 years of age, you can be a joint owner on an account with your parent or legal guardian.

Loading and Reloading your Access 360° Card

You can load money onto your card for a $0 fee in any one of these three convenient ways:

  • Visit any Fifth Third Banking Center and deposit cash onto your card
  • Transfer funds from an eligible Fifth Third account
    • Online with Fifth Third's Internet Banking
    • Visit any Fifth Third Banking Center
  • Direct deposit your paycheck, government benefits, and even tax refunds
No. You cannot deposit a check directly onto your Access 360° card. You can cash a check at any Fifth Third Financial Center and then deposit the cashed funds directly onto the card.
You will receive two pre-printed Direct Deposit forms, one when you first open your account in the financial center and another when your permanent card is mailed to you. The deposit form will contain the routing number and unique account number tied to your card. Simply sign and give either form to your employer and you're all set! (Please note that some employers have their own Direct Deposit form, so be sure to check with your employer).
No. Your 16 digit card number is not the account number you need to set up Direct Deposit. Your Direct Deposit account number will be on the pre-printed Direct Deposit forms that you receive when you open your card and again when you receive your permanent card. You can also obtain your Direct Deposit account number at any Fifth Third financial center.
If you lose or need another copy of your Direct Deposit form, simply walk into any Fifth Third Branch and ask to have it reprinted.

Getting Cash from Your Access 360° Card

You can get cash for a $0 fee in any of the following ways:

  1. Withdraw cash from any Fifth Third ATM
  2. Withdraw cash at any Fifth Third Banking Center
  3. Choose the cash back option during a PIN transaction at any merchant that supports cash back. Just press debit on the keypad and enter the PIN that you selected when activating your card. Follow the prompts to select the amount of cash you would like.

Yes, you can withdraw cash from any Fifth Third ATM or non-Fifth Third ATM. To get cash from an ATM, customers should select 'Checking' as the 'from' account.

Note: There is no fee to withdraw cash from any Fifth Third ATM. There is a $2 fee for ATM transactions at non-Fifth Third ATMs. You may also be charged a non-Fifth Third fee by the ATM owner.

To get cash from an ATM, you should select 'Checking' as the 'from' account.
Yes, there is a $2 fee for ATM transactions at non-Fifth Third ATMs. You may also be charged a non-Fifth Third fee by the ATM owner.
Yes, you can receive cash back when making a purchase if the merchant supports it. Just press debit on the keypad and enter the PIN that you selected when activating your card. Follow the prompts to select the amount of cash you would like.
You can withdraw up to $500 per day from an ATM. You may withdraw cash at any financial center for up to $2,500 per day.

Making Purchases Using Your Access 360° Card

You can make purchases wherever Debit MasterCard is accepted in stores and online. You can also use it to withdraw funds from thousands of Fifth Third ATMs at no charge.
  • Swipe your card
  • Choose one:
    • Select debit. Enter your PIN that you selected when activating your card
    • Select credit. Sign the receipt.

Note: If you wish to get cash back when making a purchase, you must press debit on the keypad. Then, enter the PIN that you selected when activating your card. Follow the prompts to select the amount of cash you would like.

You are free to choose either 'credit' or 'debit' when making purchases. If you choose credit, you will not need to enter your PIN, but you may need to sign the receipt. If you choose debit, you will need to enter your PIN.

Note: In order to get cash back with your purchase, you will need to choose debit.

Yes, you can use your Access 360° card number at biller sites where MasterCard payments are accepted.
Yes, your Access 360° card can be used internationally anywhere Debit MasterCard is accepted. If the purchase is not completed in U.S. Dollars, it will be converted or exchanged to U.S. Dollars. A 3% exchange rate adjustment fee and a .20% currency conversion fee will be added to the converted amount.
Yes, the Access 360° card can be used at a gas station to pay for gas. You cannot use your card to pay at the pump. You will need to go inside and give your card to the cashier in order to purchase gas.
You may make purchases, including cash withdrawals made at branches, for up to $2,500 per day.

Managing Your Access 360° Card

You can check your balance in the following ways:

  1. Through a balance inquiry at a Fifth-Third ATM
  2. By logging onto Fifth Third's Internet Banking5
  3. By calling 1-866-452-8484 and pressing the balance inquiry prompt
  4. By setting up a mobile text alert2
  5. By inquiry at a Fifth Third Financial Center
  6. By texting BAL to 53535332
Yes, statement and transaction history can be viewed online in Fifth Third's Internet Banking. A printed statement is available upon request. You can also use Internet Banking to view the account balance and activity daily.

To enroll your mobile device2, follow the instructions below:

  • Login to Internet Banking5
  • Go to Service Center
  • Click the "Register your Phone" link
  • Select: "Mobile Account Alerts" checkbox to enable text alerts
  • Accept the disclosures.
  • Enter your cell phone number and select your carrier.
  • Enter the PIN number sent to your phone.
  • Once your phone is registered simply select the alerts you would like to receive.

Once your mobile device is enrolled, you can text BAL to 535353 at any time to check your current balance2.

Security

Call Customer Service at 1-866-452-8484 immediately to report your card as lost or stolen. The card will immediately be deactivated and a new one will be sent to you within 3-5 business days. Your Access 360° card comes with MasterCard Zero Liability Protection4. This means that you will have no liability for "unauthorized purchases" made using your Access 360˚ card. See the MasterCard Zero Liability Policy in the Access 360° Card Terms and Conditions for complete details.
Yes, funds credited to your account are covered by FDIC insurance up to the base coverage amount of $250,000 per depositor for combined deposits at Fifth Third Bank.

Always Know Your Card's Balance.

Fifth Third Mobile Banking

With just a quick text2, you can check the current balance on your Access 360° Card. Register your phone for text banking today!


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Protect Yourself from ID Theft

Fifth Third Identity Alert

Help us in safeguarding your accounts and your identity.


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 Disclosures

  1. Initial $25 minimum deposit required to open the account.
  2. Mobile Internet data charges may apply as well as text messaging charges. Contact your mobile service provider for details.
  3. Terms, conditions and exclusions may apply.
  4. Under MasterCard's Zero Liability Protection, you will have no liability for "unauthorized purchases" made using your Fifth Third Bank issued MasterCard or Debit MasterCard card. Zero Liability applies to purchases made in the store, over the telephone or online. As a cardholder, you will not be held responsible in the event of unauthorized purchases provided that the following conditions are met: (i) your account is in good standing; (ii) you have exercised reasonable care in safeguarding your card from any unauthorized use (unauthorized use means that you did not provide, directly, by implication or otherwise, the right to use your card and you received no benefit from the "unauthorized" purchase); (iii) you have not reported two or more unauthorized events in the past 12 months. Zero Liability does not apply to MasterCard or Debit MasterCard cards: (i) issued for commercial, business or agricultural purposes, except for MasterCard commercial cards used for small businesses as listed on www.mastercardbusiness.com; or (ii) issued or sold "anonymously" (for example, a prepaid card purchased in a store), until such time as the identity of the cardholder has been registered with the financial institution that issued the card; or (iii) if a PIN is used for the unauthorized purchase. MasterCard's policies are subject to change. Visit MasterCard's Zero Liability link at www.mastercard.com/zeroliability. Contact Fifth Third Bank for additional consumer protections available under Federal Regulations to dispute transactions.
  5. Subject to Internet Banking terms and conditions.
  6. Successful identity verification required.
  7. Additional Information for Joint Card Owners: The Access 360° Card has a reduced monthly service fee of $4 if any joint owner of the Card also has an open Fifth Third checking account. Joint owners of the Card may be aware that the other joint owner has a checking account with us if the Card receives the $4 monthly service fee. When you buy, use, sign or otherwise accept the Card, you consent to share that you have a checking account with any joint owner of the Card. If you do not want a checking account considered in which only one of the Access 360° cardholders is an owner, please notify Fifth Third immediately to close your jointly held Access 360° Card. Please see the Terms and Conditions for complete details on all Access 360° fees.

*A $2 service fee applies for non-Fifth Third ATM transactions. Other ATM network owners may also assess a usage fee.

MasterCard is a registered trademark of MasterCard International Incorporated.

Access 360° is a registered trademark of Fifth Third Bancorp. Cash Version 2.0. is a service mark of Fifth Third Bancorp.

Access 360° Terms and Conditions