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"Rewards Checking" from Fifth Third Bank
The Basics
A $50.00 deposit is required to open this account.
The Monthly Service Fee of $15.00 can be waived by doing one of the following:
- Keeping a minimum daily balance of $1000.00
- Keeping what Fifth Third calls an "active checking relationship."
- Keeping a minimum daily balance of $1000.00
- Keeping what Fifth Third calls an "active checking relationship."
To keep an "active checking relationship" with Fifth Third, you must do one thing from Group A, and one thing from Group B. The groups are listed below:
Group A:
- Receive a monthly direct deposit to your checking account of at least $100
- Schedule an automatic transfer of at least $100 from your checking account to your savings account.
- Receive a monthly direct deposit to your checking account of at least $100
- Schedule an automatic transfer of at least $100 from your checking account to your savings account.
Group B:
- Transfer a net amount of at least $100 from your checking to your savings account.
- Have at least 5 of the following: (1) Debit Card Purchases (2) Checks you wrote that didn't bounce (3) Online bill payments (4) Telephone bill payments.
- Transfer a net amount of at least $100 from your checking to your savings account.
- Have at least 5 of the following: (1) Debit Card Purchases (2) Checks you wrote that didn't bounce (3) Online bill payments (4) Telephone bill payments.
Debit Cards & Using ATMs
This account includes 'Fifth Thirds Reward Program' program to earn points for gifts and other items. There is no annual fee for this card.
There is a $2.00 fee each time you use a non-affiliated ATM after 2 uses per month.
There is a $2.00 fee each time you use a ATM in another country. In addition, there is a fee calculated as 3.00% of the total amount withdrawn.
Electronic & Telephone Banking
Online Banking
Free
This Email Alert feature enables you to receive:
- Warnings when your balance falls below a certain threshold;
- Daily, weekly, and monthly balance updates.
- Warnings when your balance falls below a certain threshold;
- Daily, weekly, and monthly balance updates.
Online Billpay
Free
This institution supports:
- A text messaging service to receive alerts;
- A mobile-browser website to view account balances, view recent activity, transfer funds, and locate ATMs.
- A text messaging service to receive alerts;
- A mobile-browser website to view account balances, view recent activity, transfer funds, and locate ATMs.
Automated Phone Banking
Free
You can access your transaction history directly through Quicken, QuickBooks and MS Money.
Checks & Statements
Unlimited Check Writing
Yes
Free or Discounted Checks
No
Monthly Paper Statements
Yes
Check Images with Statements
Included
Electronic Statements
Yes
You can view images of canceled checks online for the last 6 months. Or, if you enroll in online Statements, you will be able to see the last 18 months of check images.
Overdrawing the Account
The Insufficient Funds Fee is $25.00 for the first overdraft, $33.00 from 2 to 4 overdrafts and $37.00 for all overdrafts after that in a 12 month period.
This checking account has 3 options for Overdraft Protection.
From a linked Savings Account:
- Transfer fee of $10.00. The transfer fee is charged per day;
- Funds are transferred to bring the account balance to $0.00.
- Transfer fee of $10.00. The transfer fee is charged per day;
- Funds are transferred to bring the account balance to $0.00.
From a linked Credit Card Account:
- Transfer fee of $10.00. The transfer fee is charged per day;
- At least $50.00 will be transferred.
- Transfer fee of $10.00. The transfer fee is charged per day;
- At least $50.00 will be transferred.
From a linked Overdraft Line of Credit:
- Transfer fee of $10.00. The transfer fee is charged per day;
- At least $100 will be transferred.
- Transfer fee of $10.00. The transfer fee is charged per day;
- At least $100 will be transferred.
The fee for protection by any of these methods is a daily charge. The fee is also tiered as follows:
- $10 for 1st - 10th use
- $15 for 11th - 20th use
- $20 for each additional use
- $10 for 1st - 10th use
- $15 for 11th - 20th use
- $20 for each additional use
Savings and Money Market Accounts
'Money Market Savings' requires $50.00 to open and $10,000.00 to earn interest.
Current APY Information:
- 0.10 % at minimum balance to earn interest;
- 0.00 % at minimum balance to avoid fees;
- 0.15% at $25,000.00
- 0.10 % at minimum balance to earn interest;
- 0.00 % at minimum balance to avoid fees;
- 0.15% at $25,000.00
'High Yield Savings' requires $50.00 to open and $0.00 to earn interest.
Current APY Information:
- 0.10% at minimum balance to earn interest;
- 0.15% at minimum balance to avoid fees;
- 0.15% at $25,000.00
- 0.10% at minimum balance to earn interest;
- 0.15% at minimum balance to avoid fees;
- 0.15% at $25,000.00
The account has a monthly service fee of $15.00. This fee can be waived if you maintain a minimum balance of $25,000.00.
'Relationship Savings' requires $0.00 to open, $250.00 to earn interest.
Double Interest earned every month you have an "active checking account." See checking account details for how to meet that requirement.
Current APY Information:
- 0.10% at minimum balance to earn interest;
- 0.00% at minimum balance to avoid fees;
- 0.30% at $25,000.00
- 0.10% at minimum balance to earn interest;
- 0.00% at minimum balance to avoid fees;
- 0.30% at $25,000.00
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