Fifth Third Essential Checking charges $11 per month, waived with $500/month in direct deposits or a $1,500 minimum daily balance. The overdraft fee is $37/item (no grace period), capped at 3 items per day. OON ATM fee is $3.50 per withdrawal. Outgoing domestic wire is $30.
Fifth Third Bank Fee Schedule 2026
| Fee Type | Amount | Notes |
|---|---|---|
| Essential Checking monthly | $11 | Waived: $500 DD or $1,500 daily balance |
| Express Banking monthly | $0 | No check writing, limited features |
| Enhanced Checking monthly | $15 | Waived: $20,000 combined balance |
| Preferred Checking monthly | $25 | Waived: $100,000 combined balance |
| Overdraft fee | $37 | Max 3/day ($111); no grace period |
| OON ATM fee | $3.50 | Plus operator surcharge |
| In-network ATM fee | $0 | Fifth Third + Allpoint ATMs |
| Foreign transaction fee | 3% | — |
| Outgoing domestic wire | $30 | Higher than Huntington ($25) |
| Incoming domestic wire | $15 | vs Huntington $0 |
| Outgoing international wire | $50 | — |
| Stop payment | $33 | — |
| Returned item | $37 | — |
Fee amounts can change; confirm the current fee schedule at 53.com or by calling 1-800-972-3030 before relying on these figures.
Monthly Fee Waiver: Essential Checking
The $11 Essential Checking fee is waived if you meet either condition:
| Option | Requirement |
|---|---|
| Direct deposit | $500 or more per month |
| Daily balance | $1,500 minimum every day of the month |
Fifth Third also offers additional waiver paths for some customers — for example, active or former military status combined with qualifying direct deposits, or an existing Fifth Third mortgage, auto loan, or line of credit. Confirm which waivers currently apply to your situation with Fifth Third directly.
Overdraft Fees: One of the Higher in the Industry
Fifth Third’s $37 overdraft fee (capped at 3 items per day, or up to $111/day) is among the higher fees of the major regional banks. There is no grace period — unlike Huntington’s 24-Hour Grace.
| Bank | OD Fee | Max/Day | Grace Period |
|---|---|---|---|
| Fifth Third | $37 | $111 | None |
| Huntington | $15 | $60 | 24 hours |
| Regions | $36 | $108 | None |
| Citizens | $35 | $175 | None |
| Chase | $34 | $102 | None |
Figures for other banks can change; confirm current overdraft terms directly with each bank.
To avoid Fifth Third overdraft fees:
- Enable text/email balance alerts
- Link a savings account for overdraft protection
- Use the Fifth Third mobile app to monitor balance in real time
Wire Transfer Fees: Fifth Third vs Competitors
| Bank | Outgoing Domestic Wire | Incoming Domestic Wire |
|---|---|---|
| Fifth Third | $30 | $15 |
| Huntington | $25 | $0 |
| Regions | $25 | $15 |
| Citizens | $30 | $12 |
| Chase | $25–$35 | $15 |
Fifth Third charges $30 for outgoing wires (vs $25 at Huntington) and $15 for incoming wires (vs $0 at Huntington).
Related Guides
- Fifth Third Bank routing number 2026 — 042000314
- Fifth Third Bank minimum balance 2026 — $1,500 daily to waive fee
- Fifth Third Bank ATM limit 2026 — $810/day, Allpoint network
- Fifth Third Bank vs Huntington 2026 — fee comparison
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