A Florida couple has filed a lawsuit against Fifth Third Bancorp (FITB) over its “Early Access” deposit-advance program.

The lawsuit, filed on Tuesday in the U.S. District Court for the Southern District of Florida, claims that the fee collected by the Cincinnati company amounts to an illegally high interest rate. The lawsuit also claims that the couple paid Fifth Third nearly $500 for short-term deposit-advance loans, which equates to an annual percentage rate of over 1000% on some of the loans. Fifth Third claims in documentation for the program that the fee is equivalent to an APR of 120%.

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