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Terms for Use


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To obtain one of the browser versions mentioned above, please refer directly to Microsoft Corporation or Netscape Corporation. The use of alternative browsers or BETA versions may have unpredictable results.

Disclaimers and Legal Notices Governing the Use of This Web Site

The following rules and regulations ("Agreement") are provided by Fifth Third Bank and its affiliates (collectively called "Fifth Third Bank") to govern the use of www.managemycreditcard.com (the "Site"), a Fifth Third Bank Internet address on the World Wide Web, by all visitors (collectively called "Users").

Services available via the Site are also governed by any other separate agreement(s) Users may have with Fifth Third Bank, including but not limited to, the Rules and Regulations of the Bank, any loan agreements, and all amendments thereto.

By accessing the Site, Users agree to be bound by the terms and conditions as hereafter set forth and as amended by Fifth Third Bank from time to time.

  1. Services

    Fifth Third Bank may directly provide Users various financial services via the Site including banking services, investment services, application services, or other related products or services ("Services"). In addition, Fifth Third Bank may offer Users additional related information and services via links to other Internet sites or third-party providers ("Links"). Fifth Third Bank may or may not have compensated third-party providers ("Providers") for their services and may or may not have entered into contractual agreements with the Providers.
    Neither Fifth Third Bank nor the Providers can guarantee the accuracy, accessibility, completeness, appropriateness, difficulty in use, or value of the Services or Links. Nor does Fifth Third Bank assert or guarantee that non-Fifth Third Bank Internet sites are free from any claims of copyright, trademark, computer viruses, or other defects.

  2. General Disclaimer

    Fifth Third Bank hereby disclaims any warranties, endorsement or representations, express or implied, related to any product, service, advertisement or other information contained herein. This includes any content contained, distributed, linked to or downloaded from the Site. Any products, services, or information from the Site are to be used at your own risk, with no obligations, warrantees, or liabilities of any type by Fifth Third Bank. Fifth Third Bank will not be responsible for any loss, damage to equipment, or incompatibility between the Site and any Web browser, operating system, or devise utilized or operated by Users.
    Any exceptions to this general disclaimer would be outlined within any relevant Service Agreement.

  3. Copyright Information

    All logos, service marks, trade names and trademarks contained within the Site are the sole property of Fifth Third Bank. It is prohibited for anyone to use such trademarks without the prior written consent of Fifth Third Bank. The Site may also contain such logos and trademarks of some third party, in which case it is also prohibited to use these marks without the third party's consent.
    The content contained in the Site is protected by copyright law. It is prohibited for users to display, distribute, publish, sell, transmit, license, create derivative works or to use any content that is contained within the Site for any purpose whatsoever. Any unauthorized use of this information may be punishable by law.

  4. Use, Collection, and Retention of Customer Information

    Fifth Third Bank will only utilize information provided by Users for lawful business purposes. Users acknowledge and agree that by providing Fifth Third Bank with any personal or proprietary information via the Site will remain confidential and will not be used, collected, or retained unless Fifth Third Bank has a legitimate business purpose to do so. Please review the Fifth Third Bank Privacy Policy for more information on the protection of your account information.

  5. Electronic Transmission of Personal Information

    Messages sent via electronic mail may be intercepted by third parties and are not protected by Fifth Third Bank. Personal e-mail should not be used to communicate sensitive account information. Fifth Third Bank product and account applications submitted via the Site, however, are protected by the same encryption process used to secure account information accessed via the Site. Please review the Security section for more information. Fifth Third Bank hereby disclaims any warrantees, endorsements or representations, express or implied, related to the efficacy or protection capability of Users' Web browsers. Fifth Third Bank is responsible for making reasonable efforts to fulfill only those electronic transmissions actually received via the Site. Fifth Third Bank may not be held accountable for any loss resulting from the delay or failure to transmit a message or application via the Site arising from user error, malfunction of equipment, natural impediments, and/or inaccurate or incomplete information.

  6. Customer Service

    You may contact the Card Center by calling 1-877-881-6018. Customer Service Professionals are available to assist you Monday through Friday 7 a.m. - 8 p.m. and Saturday 8 a.m. - 12 p.m CST.
    Customer Service Professionals may provide assistance only within the guidelines set forth by Fifth Third Bank and as required by law. Customer Service Professionals are not authorized to negotiate any of the terms of this agreement.

Security

Fifth Third Bank is committed to preserving the integrity of our customer account relationships. Accordingly, our online applications and services utilize advanced Internet security technology.

  1. Encryption

    Encryption is the process of transforming information into an indiscernible coded message. Information transmitted while accessing account information over the Internet or submitting an online application is encrypted using Secure Sockets Layer (SSL) Technology, a state-of-the-art encryption process developed by Netscape Communications Corporation.
    This process utilizes a unique mathematical formula or "Key" to encrypt your information. Encryption strength is measured by the length of the "Key" used to encrypt the data. Longer "keys" provide more effective encryption. Browsers generally offer two levels of encryption strength:
    40-Bit Encryption Key (International Grade Encryption) measures 240 possible keys. 128-Bit Encryption Key (Domestic Grade Encryption) measures 2128 possible keys.

  2. Digital Certificate

    A Digital ID is an electronic fingerprint bonded to the "keys" used to encrypt information transmitted over the Internet. Referred to as a Digital Certificate, this unique identifier substantiates Fifth Third Bank's identity to your browser.

  3. Authentication

    Our online services require that you authenticate your identity using your Social Security Number, Card Number, Three-digit security code, and Expiration Date.

Internet Access User Agreement

This ("Agreement") is provided by Fifth Third Bank to govern the use of ManageMyCreditCard.com services. Services provided by ManageMyCreditCard.com are additionally governed by any other separate agreement(s) you may have with Fifth Third Bank or any of its affiliates or subsidiaries, including but not limited to, the Rules and Regulations of the Bank, any loan agreements, and any amendments or changes made to this Agreement.

By using ManageMyCreditCard.com, you agree to be bound by the terms and conditions contained in this Agreement.

The following definitions apply to the terms contained in this Agreement:

"Business Day" is defined as Monday through Friday, from 8:00 AM - 5:00 PM ET., excluding the Federal Holidays or as otherwise posted in the Banking Centers.

"You" and "Your" shall mean the person, persons or entities in whose name the account is carried on the books of Fifth Third Bank and shall include the masculine, feminine, and neuter genders and the plural as well as the singular wherever the context so permits.

"Us" "Our" and "We" shall mean Fifth Third Bank and all of its affiliates and subsidiaries.

Services

ManageMyCreditCard.com allows Fifth Third Bank customers to access information for and initiate transactions from their Fifth Third Bank accounts. Such services include but are not limited to the following:

  1. View account information for credit card accounts.
  2. Schedule payments to Fifth Third Bank credit card accounts.
  3. Report account problems, request information, or order changes to account information or services via a secured communication channel.

By directing Fifth Third to initiate a payment, you authorize Fifth Third Bank to withdraw from the designated account the amount of funds required to complete the assigned transaction. You regard requests for new account services, instructions to change existing account information or services, and other communication received via ManageMyCreditCard.com as legal endorsements. As such, all correspondence initiated via Fifth Third Internet Banking shall command the legal authority of a written request authorized by your signature.

Customer Service

You may contact the Card Center by calling 1-877-881-6018. Customer Service Professionals are available to assist you Monday through Friday 7:00 AM - 8:00 PM CT and Saturday 8:00 AM - 12:00 PM CT.

Customer Service Professionals may provide assistance only within the guidelines set forth by Fifth Third Bank and as required by law. Customer Service Professionals are not authorized to negotiate any of the terms of this agreement.

The same encryption process used to secure your account information secures messages sent via ManageMyCreditCard.com. The Contact Us/Customer Care feature provided by ManageMyCreditCard.com may be used to transmit confidential account information to Fifth Third Bank.

Fifth Third Bank is responsible for making reasonable efforts to fulfill only those account requests actually received via ManageMyCreditCard.com. Fifth Third Bank may not be held accountable for any loss resulting from the delay or failure to transmit a message via ManageMyCreditCard.com from user error, malfunction of equipment, natural impediments, and/or inaccurate or incomplete information.

Electronic Funds Transfer Errors

(This section applies to personal accounts only.)
In case of errors or questions about your credit card account, contact the Card Center at 1-877-881-6018 or write to us as soon as you can at Customer Service Department, Card Center, PO Box 3038, Evansville, IN 47730.

Fifth Third Bank must hear from you within sixty (60) days after the FIRST statement on which the problem appeared was sent to you. Please tell us your name and account number, describe the error or the transfer about which you are unsure and explain why you believe there is an error, and tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or questions in writing within ten (10) business days.

Fifth Third Bank will tell you the result of our investigation within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or questions. If we decide to do so, we will provisionally credit your account within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation.

If Fifth Third Bank asks you to state your complaint or question in writing and we do not receive it within ten (10) days, we may not provisionally credit your account. If we decide that there was no error, Fifth Third Bank will send you a written explanation within three (3) business days after we finish its investigation. You may ask for copies of the documents that were used in the investigation.

Customer Liability for Unauthorized Transfers

(This section applies to personal accounts only.)
Notify the Card Center at once if you believe your password has been stolen at 1-877-881-6018. Telephoning is the best way to limit the amount of loss. If you tell Fifth Third Bank within two (2) business days, you can lose no more than $50.00 if someone has used your password without your permission.

If you do not tell us within two (2) business days after you learn of the loss or theft of your password and we can prove that some of the loss may have been prevented had we been informed of the loss, you can lose as much as $500.00.

Fifth Third Bank's Liability for Failure to Make Transfers/Bill Payments

If Fifth Third Bank does not complete a transfer to or from your account on time or in the correct amount according to the account agreement with you (including, but not limited to, all rules and regulations governing your account), we will be liable for all losses not to exceed the amount of the transfer. However, there are exceptions. Fifth Third Bank will not be liable for, including but not limited to, the following:

  1. If, through no fault of Fifth Third Bank's, you do not have enough money in your account to complete the transfer; or
  2. If the transfer would go over your credit limit on your line of credit account; or
  3. If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that have been taken; or
  4. If the funds in the account are subject to legal process or other encumbrance restricting such transfer; or
  5. If the system was not working properly due to the failure of electronic or mechanical equipment or communications lines, telephone or other interconnect problems, normal maintenance, unauthorized access, theft, operator errors, severe weather, earthquakes, floods and strikes or other labor problems; or
  6. If there is an allegation of fraudulent activity concerning the account; or
  7. If other rules, regulations or agreements of Fifth Third Bank so provide.
  8. If transaction instructions are not actually received by Fifth Third Bank, Fifth Third Bank may not be held accountable for any loss resulting from the delay or failure to transmit instructions arising from user error, malfunction of equipment, natural impediments, and/or inaccurate or incomplete information.

Important Message on Protecting Your Information

In light of a new form of identity theft fraud activity called "phishing" or "webspoofing," Fifth Third Bank is reminding its customers to be constantly vigilant about protecting personal and financial information. Sensitive information, including Social Security number, Personal Identification numbers (PINs) and account numbers, should not be shared unless the consumer has verified the legitimacy of the entity receiving the information.

"Phishing" or "webspoofing" involves fraudulent emails sent to consumers asking them to link to a fraudulent website and enter personal financial information. The fraudulent website is designed to look like a legitimate website, but is not.

The bank advises customers to access the Card Center's website by logging onto www.manangemycreditcard.com directly and not via links from other sites or within email messages. Fifth Third Bank does not contact customers via email, phone or mail to request or verify security information about passwords or PINs. Customers who contact the bank in person will not be asked to share passwords and PINs, but associates will ask for information to verify identities and ensure customer privacy and protection.

Customers who suspect they have been victims of fraud or have questions are encouraged to contact the Card Center's Fraud Prevention department at 1-877-881-6018 during the hours of 7 AM - 8 PM CT Monday through Friday and 8 AM - 12 PM CT Saturday.