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?
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.
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.
Fifth Third Bank Minor Savings account. If you’re under age 18, you’ll earn an interest bonus when you 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.
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.
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.
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.
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.
Reloadable Prepaid Card. Stick to your budget and shop worry-free with the Access 360 card.
How does Fifth Third Bank compare to other banks and services?
Fifth Third Bank was established in 1858 and is headquartered in Cincinnati, Ohio. As one of the largest regional banks around today, it manages over $169 billion in assets and has nearly 1,200 branch locations and 2,500 self-branded ATMs. It partners with the Allpoint, Presto! and 7-Eleven ATM networks to bring its customers fee-free access to over 53,000 ATMs nationwide. In addition to business and consumer bank accounts, it offers credit cards, loans, investments, insurance and down payment assistance.Fifth Third Bank has locations in 11 states:
Vast account selection. Choose from seven personal checking accounts and three business checking accounts.
No opening deposit requirements. Open any personal checking account with as little as $0. Just be sure to fund your account within 45 days or Fifth Third will close it.
Large ATM network. Use your Fifth Third debit card to withdraw cash for free at over 53,000 Allpoint, Presto! and 7-Eleven ATMs nationwide.
Rewards debit card. Earn cash back on debit card purchases through Fifth Third Bank‘s Prewards program.
Monthly fees. Most of Fifth Third’s checking accounts have associated monthly fees which you can avoid when you meet certain requirements.
Unclear interest rates. Fifth Third offers several interest-bearing checking account options, but it doesn’t list rates on its website. Instead, you’ll have to call a representative to see what you qualify for.
Miscellaneous fees. Expect to pay $37 for overdrafts, up to five times per day. Plus, $3 for domestic non-network ATMs, $5 for international non-network ATMs, $15 for incoming wire transfers and $50 to $80 for international wire transfers depending on the currency type.
Relationship rates. Earn a higher APY when you link your Fifth Third Checking account to your savings account.
No excessive transaction fee. Unlike other banks, you won’t pay a fee if you make more than six monthly outgoing transactions. But it may move your money into a checking account if you make more than three excessive transactions in a 12-month period.
Goal-tracking features. The Fifth Third Goal Setter Savings helps you set savings goals and track your progress. Plus, you earn bonus interest when you reach your goal.
Low interest rates. APYs top out at 0.02% for savings accounts and 0.1% for money market accounts. For reference, most online only banks offer rates around 1.5%.
In-person banking. You’ll need to visit a branch to open any business savings account.
High fees. Monthly maintenance fees range from $5 to $10. Although there are ways to waive these fees, the requirements are stricter than those at other banks.
Plenty of terms. Fifth Third offers both short- and long-term CD options with terms starting out at one week and going up to seven years.
Promotional rates. Lock in a higher APY when you open a three, six or 15-month Featured CD.
Accessible interest. If you have a linked Fifth Third checking or savings account, you can get your interest credited one of those accounts each month instead of your CD.
No monthly fees. Like most CDs, you won’t pay anything to open or maintain this account with Fifth Third.
Varying minimum deposit requirements. You’ll need at least $5,000 to open a Promotional CD or a Standard CD with a term less than three months. To open a Standard CD with terms of three months or more or a 529 CD, you’ll need at least $500.
No partial withdrawals. If you need to access your money early, you’ll pay a penalty fee and be forced to close out your entire account.
Must apply in-person. Fifth Third doesn’t support online applications for CDs, so you’ll have to visit a local branch to open this account.
Convenient customer service. If you need assistance, you can pop by your local branch or call customer service weekdays from 7 a.m. to 8 p.m. ET and Saturdays from 8:30 a.m. to 5 p.m. ET.
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.
Fifth Third Momentum app. This highly-rated app rounds up your debit card purchases and applies the difference to your student loan balance.
Unclear interest rates. Fifth Third’s interest rates vary by region, so you’ll need to enter your zip code on its website, call customer service or visit a local branch to figure out what you qualify for.
Limited branch locations. Fifth Third Bank has locations in 11 states. If you live outside this service area, you’ll need to be comfortable banking online and getting assistance over the phone.
Compare Fifth Third Bank to the competition
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.
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
The first $100 of your check is available immediately. The remaining balance is typically available the next business day.
To dispute a charge, call the Disputes Resolution Department at 877-833-6197. Representatives are available weekly from 7 a.m. to 8 p.m. ET and Saturdays from 8:30 a.m. to 5 p.m. ET.
Fifth Third Bank’s SWIFT code is FTBCUS3C. Its routing numbers are:
Cassidy Horton is a writer for Finder, specializing in banking and kids’ debit cards. She’s been featured on Legal Zoom, MSN, and Consolidated Credit and has a Bachelor of Science in Public Relations and a Master of Business Administration from Georgia Southern University. When not writing, you can find her exploring the Pacific Northwest and watching endless reruns of The Office.
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