Explore Fifth Third Bank’s suite of bank accounts

A wide range of personal and business options, but watch out for limited branches.

Last updated: 12 November 2019

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Fifth Third Bank offers 22 personal and business banking products. It has over 50,000 in-network ATMs nationwide, but its branch locations are primarily on the East Coast.

What banking products does Fifth Third Bank offer?

Checking accounts
- Fifth Third Free checking account. This basic checking account has no monthly fees or minimum balance requirements.
- Fifth Third Essential Checking account. This account comes with all the basics and it has an $11 waivable monthly maintenance fee.
- Fifth Third Enhanced checking account. This account has a waivable $20-monthly fee and offers special rates on savings, CDs and loans.
- Fifth Third Preferred checking account. This account comes with a complimentary identity alert service and access to special rates on other banking products, but you can only avoid its $25-monthly fee if you keep a combined total balance of $100,000 in your accounts.
- Fifth Third Student checking account. For students at least 13 years old, this account comes with five free non-network ATM transactions per month and no monthly fees or minimum balance.
- Fifth Third Military checking account. Military families get access to 10 free non-network ATM transactions and special VA home loan rates.
- Fifth Third Express checking account. Pay no monthly service charge with this account, but there’s no check writing or check deposits at ATMs.
Savings accounts
- Fifth Third Goal Setter Savings account. Set personal savings goals, track your progress and get a one-time interest bonus when you reach your goal with this savings account.
- Fifth Third Relationship Savings account. Earn a higher interest rate when you pair this savings account with a checking account.
- Fifth Third Relationship Money Market account. Ideal for larger balances, earn variable interest rates plus additional interest when you pair this account with a Fifth Third Bank checking account.
- Minor Savings account. Those under age 18 earn an interest bonus when they pair this account with a checking account.
- Promotional CD. This account features flexible terms and attractive rates, but you need at least $5,000 to get started.
- Standard CDs. Choose from two term options — a seven to 89-day term where you’ll need $5,000 to get started, or a three to 84-month term where you’ll need $500 to get started.
Other accounts
- Fifth Third 529 Savings and CD account. Tax-free savings for future education expenses, plus a guaranteed rate of return.
- Health Savings account. Save for medical expenses with this interest-bearing account when you’re enrolled in a high deductible health plan.
Checking accounts
- Fifth Third Business Standard Checking account. Ideal for businesses with basic transaction and credit needs.
- Fifth Third Business Premium Checking account. Designed for businesses that need merchant services.
- Fifth Third Business Elite Checking account. For high-volume businesses that have advanced banking needs.
Savings accounts
- Relationship Savings. Write up to three checks a month, plus earn more interest when you pair this account with a Business Premium or Business Elite checking account.
- Money Market. Make up to three withdrawals and 100 deposits a month with this variable interest-bearing account.
- Business Savings. Ideal for businesses with short-term savings and investment needs, you can use this interest-bearing account as collateral for a loan.
- CD. Variable interest rates with flexible terms starting at seven days.
- Credit cards. Fifth Third Bank has four options —the Secured Card, Truly Simple Credit Card, TRIO Credit Card, and the Stand Up To Cancer Card.
- Loans. Fifth Third Bank offers a range of student loans, auto loans, mortgages and equity and personal lines of credit.
- Investments. Invest in IRAs, stocks, bonds, mutual funds, annuities and ETFs.
- Insurance. Purchase vehicle, life, homeowners, liability, disability insurances and more.
- Down payment assistance. Get up to $3,600 toward your new home with this service as long as you meet certain criteria.

Why should I open an account at Fifth Third Bank?

Fifth Third Bank has the following features:

Card-free ATMs. Fifth Third’s ATMs offer card-free access, so you don’t have to panic if you leave your debit card at home.
Large ATM network. Fifth Third partners with Allpoint, Presto! and 7-Eleven to offer more than 50,000 fee-free ATMs nationwide.
Rewards debit card. Earn cash back on debit card purchases through Fifth Third Bank’s Prewards program.
Fifth Third Momentum app. This app rounds up your debit card purchases and applies the difference to your student loan balance.

What should I look out for?

If you plan on banking with Fifth Third Bank, watch out for:

Unclear interest rates. The bank has some interest-bearing accounts, but rates aren’t listed on its website.
In-person banking. You’ll need to visit a branch to open certain banking accounts.
High fees. Monthly maintenance fees range from $5 to $25.
Limited branch locations. Fifth Third Bank has locations in 11 states:

Compare with leading bank and credit union accounts

Name	APY	ATMs	Fee
M&T Bank EZChoice Checking		Over 1,500 M&T Bank ATMs	$0	Get $150 if you open an EZChoice M&T checking account by March 2, 2020, and make qualifying direct deposits totaling at least $500 within 90 days of account opening.	Go to site More Info	Compare	loading Fetching your data...
M&T Bank MyChoice Premium Checking	0.05% on balances of $100,000+ 0.03% on balances of $50,000 to $99,999.99 0.01% on balances of $1 to $49,999.99	Over 1,500 free M&T Bank ATMs and up to $2 rebates when using all other ATMs	$24.95/month (can be waived)	Get up to $250 if you open a MyChoice Premium M&T checking account by March 2, 2020, and make qualifying direct deposits totaling at least $500 within 90 days of account opening.	Go to site	Compare	loading Fetching your data...
Chase Sapphire Checking	0.01%	Free to use anywhere worldwide	$25/month (can be waived)	Get a $1000 welcome bonus when you join Sapphire Banking by March 06, 2020. Within 45 days of joining, transfer a total of $75,000 or more in qualifying new money or securities to a combination of eligible checking, savings and/or investment accounts (excludes any J.P. Morgan retirement accounts and CDs), and maintain the balance for at least 90 days.	Go to site More Info	Compare	loading Fetching your data...
BBVA Online Checking		No ATM fees nationwide at more than 64,000 AllPoint, participating 7-Eleven and BBVA USA ATMs	$0	A full-service account with convenient, surcharge-free access to two massive ATM networks.	Go to site More Info	Compare	loading Fetching your data...
Axos Bank Rewards Checking	1.25% on balances of $0+ with $1,000+ in direct deposits, 10 $3+ debit card transactions and 5 additional account transactions per month	ATM fees reimbursed at any ATM nationwide	$0	Earn up to 1.25% APY while enjoying a suite of digital tools for smarter money management.	Go to site More Info	Compare	loading Fetching your data...
Axos Bank Essential Checking		ATM fees reimbursed at any ATM nationwide	$0	No fees. Unlimited domestic ATM fee reimbursements.	Go to site More Info	Compare	loading Fetching your data...
HSBC Advance Checking	0.01% on balances of $5+	Surcharge-free HSBC ATMs nationally and internationally, plus up to four rebates a month for using non-HSBC ATMs in all US states except New York	$25/month (can be waived)	Earn 2% cash back on qualifying direct deposits (up to $30 per month and $350 total during the first 12 months) with a new HSBC Advance Checking account. Offer ends March 1, 2020. Conditions apply. Deposit products are offered in the US by HSBC Bank USA, N.A. Member FDIC.	Go to site More Info	Compare	loading Fetching your data...
TD Beyond Checking	0.05% on balances of $50,000+ 0.03% on balances of $10,000 to $49,999.99 0.01% on balances of $0.01 to $9,999.99	1,900 ATMs across the country and Canada	$25/month (can be waived)	A checking account that offers interest plus three ways to waive the monthly fee, two overdraft paybacks a year and no ATM fees with a $2,500 balance.	Go to site More Info	Compare	loading Fetching your data...

Compare up to 4 providers

Fifth Third Bank customer service

There are three ways you can contact Fifth Third Bank customer service:

Visit a branch location.
Schedule an appointment with an associate.
Call 800-972-3030 weekdays from 7 a.m. to 8 p.m. ET and Saturdays from 8:30 a.m. to 5 p.m. ET.

Bottom line

Fifth Third Bank has a range of banking products for everyone from minors to the military. But if you’re looking for an account with higher yields or more branch locations, you might want to shop around for other options.

Frequently asked questions

Fifth Third Bank’s SWIFT code is FTBCUS3C. Its routing numbers are:

Region	Routing Number
FL – Central Florida	063109935
FL – North Florida	063113057
FL – South Florida	067091719
FL – Tampa, Florida	063103915
GA – Georgia	263190812
IL – Chicago	071923909
IN – Central Indiana	074908594
IN – Southern Indiana	086300041
KY – Central Kentucky	042101190
KY – Northern Kentucky	042100230
KY – Southwestern Kentucky	083002342
MI – Eastern Michigan	072405455
MI – Northern Michigan	072401404
MI – Western Michigan	072400052
MO – St. Louis, Missouri	081019104
NC – North Carolina	053100737
OH – Cincinnati, Ohio	042000314
OH – Columbus, Ohio	044002161
OH – Northeastern Ohio	041002711
OH – Northwestern Ohio	041200050
OH – Southern Ohio	042207735
OH – Western Ohio	042202196
PA – Western Pennsylvania	043018868
TN – Tennessee	064103833

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Cassidy Horton

Cassidy Horton is a writer for Finder, specializing in banking and investments. She has a Bachelor of Science in Public Relations and a Master of Business Administration from Georgia Southern University. Cassidy enjoys educating people about financial services, exploring the Pacific Northwest and watching endless reruns of The Office.

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Explore Fifth Third Bank’s suite of bank accounts

A wide range of personal and business options, but watch out for limited branches.

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What banking products does Fifth Third Bank offer?