Get started with a new Treasury integration using Fifth Third BankBeta

Learn how to access Fifth Third Bank.

This guide describes how to get started with Stripe Treasury using Fifth Third Bank.

Before you integrate

Test mode

You can request access to use test mode immediately. Test mode operates independently of any specific bank partner.

Before you create financial accounts in live mode for your Treasury integration, we recommend that you create test financial accounts in test mode. Test mode financial accounts can’t receive or send real money, and don’t generate a live account with real routing and account information, but are otherwise identical in configuration and functionality.

If you create an Account object in test mode and want to bypass onboarding requirements to test functionality, use POST /v1/accounts/{{CONNECTED_ACCOUNT_ID}} to provide test values that fulfil all the requirements.

Complete compliance reviews and update disclosures

To access Fifth Third in live mode, you must first submit evidence of the following to Stripe’s compliance team for approval:

Any live or planned UX, or marketing that names a bank partner
Any mentions of FDIC pass-through insurance eligibility
UX including user balances with disclosures, bank statements, and transaction history

You must send previews of your planned updates using the Compliance Intake Form. After Stripe’s compliance team completes the review, we’ll grant you access to Fifth Third in live mode. Then, you can publish your approved disclosures.

You must follow all the Treasury compliance guidelines, including regulatory receipts, complaints, and marketing guidelines.

Bank partner disclosures

You must include proper disclosures that funds are held with Fifth Third Bank. You must include disclosures on marketing assets, landing pages, other websites, dashboards, social media posts, or any other interface that references Stripe Treasury.

Make sure that your disclosure reads: “[Company Name] partners with Stripe Payments Company for money transmission services and account services with funds held at Fifth Third Bank, Member FDIC.”

FDIC pass-through insurance eligibility disclosures

In any place you reference FDIC pass-through insurance eligibility, you must accompany that text with the approved disclosure language from Fifth Third Bank:

“Stripe Treasury Accounts are eligible for FDIC pass-through deposit insurance if they meet certain requirements. The accounts are eligible only to the extent passthrough insurance is permitted by the rules and regulations of the FDIC, and if the requirements for pass-through insurance are satisfied. The FDIC insurance applies up to 250,000 USD per depositor, per financial institution, for deposits held in the same ownership capacity.”

Viewing multiple balances

If you plan to allow connected accounts to store multiple balances, you must display balances separately within any dashboard user interface or servicing communications disclosing balances.

Feature availability on Fifth Third Bank

The following Treasury features are available when integrating with Fifth Third Bank.

Category	Feature
Onboard and store funds with Fifth Third Bank	Onboard connected accounts compliantly
	Create financial accounts at Fifth Third Bank that are eligible for FDIC pass-through insurance
	Financial accounts come with a Stripe FinancialAccount ID
	Financial accounts can request an externally addressable account number and routing number (financial_addresses.aba), enabling them to receive external credits and debits
Originate Transactions for the financial account	Connected account can move funds (OutboundTransfer) from the Fifth Third financial account to other financial accounts (Evolve or Fifth Third Bank) using the Stripe network
	Connected accounts can originate credits (OutboundTransfer or OutboundPayment) out from the financial account using standard or same-day ACH or wire
	Connected accounts can originate debits (InboundTransfer) that draw funds from accounts they own into the financial account using standard or same-day ACH (self-to-self)
Payouts from Stripe Payments	You or your connected accounts can acquire funds using Stripe Payments, then create Payouts into the Fifth Third financial account (others-to-self)
	You or your connected accounts can create instant payouts to access pending funds
Receive Transactions into the financial account	Financial accounts can receive credits (ReceivedCredit) using ACH or wire, and can create returns CreditReversal. Includes credits originated using ACH or wire, as well as from another financial account using the Stripe network.
	Financial accounts can receive debits (ReceivedDebit) using ACH, and can create returns (DebitReversal)
Fund Issuing cards	Issuing cards can be funded by the Fifth Third financial account
	An existing Issuing programme can be updated to point to the new financial account

We will release the following features for Fifth Third Bank next:

[December] Remote deposit capture for check deposit
[December] Close financial accounts with Fifth Third using the API
Platform financial account at Fifth Third Bank
Create a CreditReversal

If you request a financial account Feature that hasn’t been released for Fifth Third Bank, Stripe returns the following error: “You cannot request {feature} on a financial account with bank fifth_third”.

Note

The roadmap above outlines our general product direction and current priorities for informational purposes only. It’s not a commitment to deliver any material, code, or functionality, and you shouldn’t rely on it when making purchasing decisions. The development, release, and timing of any features or functionality described for Stripe’s products remain at Stripe’s sole discretion.

Get started with Treasury

You can use the existing Treasury documentation to guide your integration. You can use the same APIs with your Fifth Third financial account. Below is a list of expected differences with Fifth Third Bank.

You receive a platform financial account at Fifth Third Bank.
Outbound transfers sent using wire or ACH from a Fifth Third financial account have later cutoff times than today’s transfers sent with Evolve.

	Evolve	Fifth Third Bank
Wire transfers	4:00pm ET	5:00pm ET
ACH	7:00pm ET	8:30pm ET
Same-day ACH	12:00pm ET	1:00pm ET

Stripe Payouts sent from the payments balance will arrive into a Fifth Third financial account faster than today’s payouts into an external bank account or an Evolve financial account.

	External payouts and payouts to Evolve financial accounts	Payouts to Fifth Third financial accounts
Standard manual payout	Settled funds arrive in approximately 1 day. Acquired funds arrive approximately 2–3 days after pay-in capture. Available during business hours only.	Settled funds arrive in approximately 1 day. Acquired funds arrive approximately 2–3 days after pay-in capture. Available during business hours only.
Instant manual payout	Within 1 hour	Within 1 hour
Standard automatic payout schedule (`delay_days=2`)	Settled funds arrive approximately 2–3 days after pay-in capture. Available on business days only.	Settled funds arrive approximately 1–2 days after pay-in capture. Available on business days only.
Accelerated automatic payout schedule (`delay_days=1`)	Settled funds arrive approximately 1 day after pay-in capture. Available on business days only.	Settled funds arrive approximately 1 day after pay-in capture. Available on business days only.

There might be additional near-term differences while we build Fifth Third Bank to parity with Evolve. For example.

Received debits: Until the end of December 2024, you can only receive debits up to 500,000 USD per transaction. If an external party originates a debit for an amount exceeding 500,000 USD, Stripe originates a return with the R29 ACH return code. You won’t see any impact to your balance, and the received debit won’t appear in your transaction list. When we remove this limit, we’ll notify all platforms that have gone live with Fifth Third.
DebitReversals and CreditReversals: You must create a DebitReversal within 24 hours; we’ll extend this window in the coming months.