The short answer
A transaction reading 53 JEANIE ATM WTHDRWL indicates a cash withdrawal completed using your Fifth Third debit card at an automated teller machine operating on the proprietary Jeanie regional ATM network.
Recognizing Jeanie ATM Network Withdrawals
A transaction entry marked 53 JEANIE ATM WTHDRWL on your bank statement records an in-person cash withdrawal completed using your debit card at an automated teller machine. In this descriptor, 53 stands for Fifth Third Bancorp, while Jeanie refers to the regional electronic funds transfer and ATM network founded by Fifth Third. Jeanie terminals operate extensively throughout Ohio and neighboring midwestern states. When you insert or tap your debit card and enter your Personal Identification Number (PIN) at a Jeanie-affiliated machine, the system routes the withdrawal directly to your checking ledger.
This line item appears whenever you or an authorized signer on your account dispenses cash at a branch drive-thru or partner terminal. Because this is a PIN-authenticated transaction, this Fifth Third Jeanie ATM Cash Withdrawal is processed immediately, deducting the dispensed cash directly from your available balance. Fifth Third customers generally incur no surcharge when withdrawing money from Fifth Third branch terminals or certified Jeanie network stations. If you used an out-of-network machine, however, an additional operator fee might appear either combined into the principal withdrawal or billed as a separate terminal fee line item.
To confirm this transaction, compare the statement date and dollar figure against your physical ATM paper receipt or mobile banking notifications. If you do not remember visiting a cash machine on that date, check whether a family member holding an authorized secondary card took out cash. If neither you nor anyone with access to your card made this withdrawal, contact Fifth Third customer service right away. A PIN-based transaction on your record when your debit card remains in your possession can signal that your card data was cloned via a skimmer.
- Cash withdrawal executed at a Fifth Third branch walk-up or drive-thru ATM
- Automated teller withdrawal at a partner institution terminal carrying the Jeanie logo
- Cash distribution at a regional supermarket or shopping center Jeanie terminal
Reconciling ATM Slips and Checking Machine Records
Compare paper ATM transaction slips against electronic statement line items.
- Log in to 53.com or open the Fifth Third mobile application.
- Review the transaction timestamp, terminal number, and location address.
- Verify that the withdrawal amount matches the physical cash dispensed.
- Report any machine mechanical failure immediately to Fifth Third customer support.
Frequently Asked Questions
What is the Jeanie network on my Fifth Third statement?
Jeanie is Fifth Third proprietary automated teller machine network providing surcharge-free terminal access across the Midwest.
What is the daily cash withdrawal limit at Fifth Third ATMs?
Fifth Third standard debit cards feature daily ATM cash withdrawal limits ranging from five hundred to one thousand dollars depending on account tier.
Part of a family
53 JEANIE ATM WTHDRWL is one of the Fifth Third Bank statement codes lines — see the whole family decoded.
Independent reference — not affiliated with Fifth Third Bank. Billing names and policies change; verify with the merchant or your bank before acting.
Verified sources
Every claim on this page is checked against official sources — open them to confirm before you call your bank.
- Fifth Third Branch and ATM Network Directory https://www.53.com/content/fifth-third/en/branches.html
- Federal Reserve Consumer ATM Regulations https://www.federalreserve.gov
Reviewed Sep 11, 2026 · high · About UnknownCharges