How much does Fifth Third Bank charge per month?

Fifth Third Essential Checking charges $11 per month. The fee is waived with $500 or more in monthly direct deposits or a $1,000 minimum daily balance. Express Banking (no checks) is free. Premium accounts (Enhanced, Preferred) charge $15–$25/month.

What is Fifth Third Bank's overdraft fee?

Fifth Third Bank charges $37 per overdraft item. Unlike Huntington, Fifth Third has no grace period — the $37 fee is charged immediately when an overdraft occurs. The maximum is 5 fees per day ($185/day). Fifth Third offers optional overdraft protection via linked savings account.

Does Fifth Third Bank charge ATM fees?

Fifth Third does not charge fees at its ~2,100 owned ATMs or at Allpoint network ATMs (50,000+). Fifth Third charges $3.50 per out-of-network ATM withdrawal, plus any operator surcharge.

Fifth Third Bank Fees 2026: Monthly Fees, Overdraft, ATM & Wire Fees

Fifth Third Essential Checking charges $11 per month, waived with $500/month in direct deposits or a $1,000 minimum daily balance. The overdraft fee is $37/item (no grace period). 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 $1,000 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 5/day ($185); 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	—

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	$1,000 minimum every day of the month

The $1,000 daily balance waiver is more achievable than Regions ($1,500) or Chase ($1,500) but still means your balance can’t drop below $1,000 at any point during the month.

Overdraft Fees: One of the Higher in the Industry

Fifth Third’s $37 overdraft fee (max 5/day = $185/day maximum) is among the highest 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	$185	None
Huntington	$15	$60	24 hours
Regions	$36	$108	None
Citizens	$35	$175	None
Chase	$34	$102	None

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).

Fifth Third Bank routing number 2026 — 042000314
Fifth Third Bank minimum balance 2026 — $1,000 daily to waive fee
Fifth Third Bank ATM limit 2026 — $810/day, Allpoint network
Fifth Third Bank vs Huntington 2026 — fee comparison

Written by WealthVieu

WealthVieu researches and writes data-driven personal finance guides using primary sources including the IRS, Bureau of Labor Statistics, Federal Reserve, and Census Bureau.

The content on Wealthvieu is for informational purposes only and should not be considered financial, tax, or investment advice. Consult a qualified professional before making financial decisions. Full disclaimer · Editorial policy