Fifth Third Bank

Business Checking AccountsPrint

Fifth Third Bank offers a range of flexible business checking accounts tailored to fit your unique business operational needs.


 Regular Business Checking1Business Advantage Checking1Business Preferred Checking1Business Relationship Checking1
Account Features: The ideal account for businesses with lower transactions or cash needs, or businesses that experience seasonal fluctuation.
[Learn More]		 The ideal account for growing businesses with moderate monthly transactions or cash needs.
[Learn More]		 The ideal account for established businesses with higher transactions or cash needs.
[Learn More]		 Maximize your account benefits as you build your Fifth Third relationship.
[Learn More]
Unlimited Fifth Third ATM withdrawals at thousands of locations ✔ ✔ ✔ ✔
Internet Banking and Bill Pay ✔ ✔ ✔ ✔
Business Debit MasterCard® ✔ ✔ ✔ ✔
Electronic Statements ✔ ✔ ✔ ✔

Regular Business Checking1

  • When your average balance is less than $10,000 – Get 150 free transactions and $5,000 in free monthly cash deposits2.
  • When your average balance is more than $10,000 – Get 150 free transactions and $10,000 in free monthly cash deposits2.
  • No monthly maintenance fee.
  • No minimum balance requirement.

Business Advantage Checking1

  • Get 250 free transactions and $10,000 in free monthly cash deposits3.
  • No monthly maintenance fee on balances of $10,000 or more7.
  • Optional features for improved cash flow management:
    • Cash Management Essentials10 option: adds online stop payments and wire transfer capabilities
    • ACH10 option: adds Direct Deposit and Tax Payment capabilities to the Cash Management option above

Business Preferred Checking1

  • Get 500 free transactions and $25,000 in free monthly cash deposits3.
  • No monthly maintenance fee on balances of $25,000 or more8.
  • Optional features for improved cash flow management:
    • Cash Management Essentials10 option: adds online stop payments and wire transfer capabilities
    • ACH10 option: adds Direct Deposit and Tax Payment capabilities to the Cash Management option above

Business Relationship Checking1

With this account, as your Fifth Third relationship grows, so do your benefits:

  • Core account (no enhancements): Get 200 free transactions and $15,000 in free monthly cash deposits2. $15,000 minimum balance required5.
  • Add Fifth Third Online Payroll, powered by Paycor OR Merchant Services from Fifth Third Processing Solutions4, powered by Vantiv: Get 300 free transactions and $20,000 in free monthly cash deposits2. And, when you use either service, your required minimum balance automatically drops from $15,000 to $10,0005.
  • Add BOTH Online Payroll and Merchant Services: Get 400 free transactions and $30,000 in free monthly cash deposits2 - and no minimum balance required5.
  • Your business gets rewarded with features such as an interest bonus paid when you also have a Business Relationship Savings6.
  • For those unexpected needs you can link your Business Savings account, Money Market account or your Fifth Third Business MasterCard®9 to the Relationship Checking account for the added security of overdraft protection11.

Specialty Accounts

Your business demands are unique. For start-ups or growing companies, Fifth Third Bank has a business checking account tailored to fit your needs.

Business Advantage Interest Checking1 - Designed for sole proprietors, non-profit organizations, and churches.

Business Advantage Public Fund Checking1 - Designed for governmental entities.

  • Get 250 free transactions and $10,000 in free monthly cash deposits3.
  • Earn interest on your funds12.

Analyzed Checking1 - Designed for businesses with an average monthly collected balance of more than $100,000 or more than 500 transactions per month.

  • No minimum balance requirement to open.
  • Provides earnings credit to help offset fees.
  • Free Check Recovery Service available.
  • Access Fifth Third DirectSM for enhanced Internet banking capabilities.

Overdraft Protection

No need to worry about returned check fees or late fees with Fifth Third Bank's Overdraft Protection. By linking your Business Checking account to a designated Overdraft Protection account, funds will be automatically transferred to your Business Checking Account to cover your expenses and help avoid penalties11.

Fees & Disclosures

Disclosures

    Internet Banking and Bill Pay is subject to the Internet Banking Terms and Conditions.

    Free transactions include inbound ACH, checks paid, deposit tickets, checks deposited, Fifth Third Bank Business Debit MasterCard, bill payment, and account-to-account transfers via www.53.com. Other transaction costs may apply. Negative balance charges may be applied on all accounts if the average monthly collected balance falls below $0.

  1. Customer purchases checks. Closed accounts will be charged a $50 fee. Other fees may apply. All fees subject to change without notice. Account holders will receive electronic statements. Paper statements provided upon request only. Fees apply.
  2. On the Regular Business and Business Relationship Checking accounts, transactions in excess of the free amount are subject to a $0.50 overage fee per item. Cash deposited in excess of the free amount is subject to a $0.0030 overage fee per dollar deposited.
  3. On the Business Advantage, Business Preferred, Business Advantage Public Funds, and Business Advantage Interest Checking accounts, transactions in excess of the free amount are subject to a $5.00 overage fee plus $0.50 per item. Cash deposited in excess of the free amount is subject to an overage fee of $5.00 plus $0.0035 per dollar deposited.
  4. Fifth Third Processing Solutions is a dba of Vantiv, LLC.
  5. There is a monthly fee of $15 if your average balance is less than $15,000 when account is not utilizing Paycor or Fifth Third Processing Solutions. There is a monthly fee of $10 if your average balance is less than $10,000 and the account is utilizing either Paycor or Fifth Third Processing Solutions. There is no monthly maintenance fee if the account is utilizing both Paycor and Fifth Third Processing Solutions.
  6. An interest bonus in the amount of any interest earned during the month will be paid on the Business Relationship Savings if the business customer also has a Business Relationship Checking account. Both accounts must be in the same business segment. If an account is closed before interest is credited, you will not receive any accrued interest. See a Bank employee for details.
  7. Business Advantage accounts have a monthly fee of $17 if average monthly balance is less than $10,000.
  8. Business Preferred accounts have a monthly fee of $25 if average monthly balance is less than $25,000.
  9. Subject to credit review and approval.
  10. Fees apply to all optional services.
  11. Fees may apply. Fees subject to change at any time.
  12. Please contact Fifth Third Bank for current interest and annual percentage yield (APY) information. Interest rates and APYs subject to change at any time.

    FDIC Deposit Insurance. Deposit balances are insured up to the maximum amount permitted by law. The standard insurance amount is $250,000 per depositor, for each deposit insurance ownership category. Please visit www.fdic.gov for more information about FDIC insurance coverage.