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Fifth Third Access 360 Reloadable Prepaid Card review

Helps you stick to a budget and avoid overdraft fees — but to get one you must visit a branch location.

The Fifth Third Access 360 Reloadable Prepaid Card comes with free reloads, a large ATM network and a $4 monthly fee that’s waived for checking customers who deposit at least $500 onto the card each month. But you must visit a Fifth Third branch location to get it, and it has a few international fees that’ll eat into your spending money when traveling abroad.

1.9 ★★★★★ (9 reviews) Write a review


Monthly maintenance fee


Card fee


Card typeDebit
Card networkMastercard
Monthly fee$4
Monthly fee with a direct deposit$0
Card fee$0

Review by

Cassidy Horton is a freelance copywriter and journalist, specializing in personal finance. Her writing and analysis has been featured in Forbes Advisor, Money, The Balance, Money Under 30, and other top digital publishers. She holds a BS in public relations and an MBA from Georgia Southern University.

Expert review

Fifth Third Access 360 Reloadable Prepaid Card is best for new or current Third Access Bank customers who want to avoid overspending, have a separate spending card for domestic travel or have an alternative way to give their teens spending money without handing over their own debit card.

It has cheaper fees than most prepaid cards, but there are a few fees for foreign transactions, currency conversions and international ATMs that don’t make it ideal for international travel.

You also have to visit a local branch to open this card, which could be a disadvantage to those who don’t live near a branch or prefer to open an account online.

How do I get the Fifth Third Access 360 Reloadable Prepaid Card?

You must visit a local Fifth Third Bank branch to get your Access 360 card. Find the nearest location on its website.


Open an Access 360 Card when you meet these requirements.

  • At least 18 years old
  • US citizen or resident
  • Valid Social Security number or Taxpayer Identification Number

Required information

You’ll need to give Fifth Third Bank the following information when you open your account.

  • Name
  • Current address
  • Social Security number
  • Date of birth
  • Government-issued ID number

What you’ll like about the Fifth Third Access 360 Reloadable Prepaid Card

The Fifth Third Access 360 Reloadable Prepaid Card helps you stick to a budget by declining any charges that would bring your balance below $0. It also has these benefits:

  • Waivable monthly fee. The $4 monthly fee is lower than most prepaid cards, and Fifth Third Bank will waive it for checking account holders who deposit at least $500 onto it each month.
  • Large ATM network. Use your card to withdraw cash for free at over 50,000 ATMs nationwide. You’ll pay $2.75 plus operator fees if you use a non-network ATM.
  • Minimal fees. The Fifth Third Access 360 Reloadable Prepaid Card doesn’t have any fees for overdrafts, inactivity, cash deposits, bank transfers, card replacements, ATM balance inquiries and more.

What to watch out for

As with most prepaid cards, the Fifth Third Access 360 Reloadable Prepaid Card doesn’t help you build your credit. And you’ll need to make fuel purchases inside instead of paying at the pump to avoid holds on your account. It also has these drawbacks.

  • Must open at a branch. You can open most prepaid cards online, but you have to visit a Fifth Third Bank branch to get this one.
  • Not ideal for traveling abroad. Although Fifth Third Bank is light on fees, it has a short list of international fees that make it less appealing when visiting other countries.
International feeAmount
International point-of-sale or ATM transactions3%
Currency conversions0.2%
International ATM withdrawals$5

If you’re looking for a card you can open online or that has lower international fees, explore your options until you find a prepaid card that’s right for you.

Is the Fifth Third Access 360 Reloadable Prepaid Card safe?

Yes, you’re not responsible for any unauthorized transactions as long as you report them on time. The Fifth Third Access 360 Reloadable Prepaid Card is also backed by Mastercard, which reimburses most items that are damaged or stolen within 90 days of purchase.

Fifth Third Access 360 Reloadable Prepaid Card reviews and complaints

Fifth Third Bank has a 1.1 out of 5-star rating on the Better Business Bureau (BBB) as of April 2022 based on 276 reviews. On Trustpilot, it only has 32 reviews with an average 2.4 out of 5-star rating.

Considering Fifth Third Bank has been in business since 1928, there aren’t a lot of complaints. The reviews and complaints are varied, with most being about issues with its credit cards, mortgages and frozen bank accounts.

Compare Fifth Third Access 360 Reloadable Prepaid Card with other prepaid cards

Sort this interactive table by the annual or monthly fee, ATM withdrawals, features and more to find a prepaid card that suits your needs.

Name Product Annual or monthly fee ATM withdrawal Features
Brinks Prepaid Mastercard
Brinks Prepaid Mastercard
$9.95 per month (or $5 with a $500+ direct deposit, or $0 with pay-as-you-go)
  • Mobile app
  • Direct deposit
  • Payback rewards
No credit check. No minimum balance. No late fees because this is not a credit card.
Netspend Prepaid Mastercard, WWE partner
Netspend Prepaid Mastercard, WWE partner
$9.95 per month (or $5 with a $500+ direct deposit, or $0 with pay-as-you-go)
  • No activation fee
  • Payback rewards
  • No minimum balance required
No credit check, mobile check load, and now a WWE partner
Finder Rating: 4.6 / 5: ★★★★★
$48 per year or $4 per month
  • Low fee
  • Investing
  • Parent-paid interest
  • Donation options
The BusyKid Visa® Prepaid Spend Card gives your kids the freedom to spend anywhere Visa® is accepted, and parents see every transaction made.
Netspend All-Access Account
Netspend All-Access Account
$5 per month
  • Earn cash back on everyday purchases
  • Earn up to 6% APY with an optional Savings Account
  • Receive your paycheck up to 2 days earlier with Direct Deposit
With Netspend All-Access Account there's no credit check and no minimum balance to open an account.
PayPal Prepaid Mastercard
PayPal Prepaid Mastercard
$4.95 per month
  • Manage money on the fly
  • Receive special offers and cash back rewards
  • Get your state and federal tax refund faster than a paper check
Use the no-cost direct deposit service and have access your funds up to two days faster than what traditional banks offer.

How long will it take to get my card?

You’ll get your card instantly when you apply at a local Fifth Third Bank branch.

I got the card. Now what?

Make the most of your Fifth Third Access 360 Reloadable Prepaid Card using these tips:

  • Set up deposits. If your budget allows it, set up automatic transfers or direct deposits of at least $500 a month to avoid the $4 monthly fee.
  • Review the fees. Look over the card agreement and fee schedule to see how to minimize fees and maximize savings.

Funding options

There are three ways to add money to your Access 360 Card — all of which are free.

  • Direct deposit
  • Cash deposit at a Fifth Third ATM or financial center
  • Transfer from Fifth Third checking or savings account

How can I contact Fifth Third Bank?

Call Fifth Third Bank at 866-671-5353 on weekdays from 8 a.m. to 6 p.m. or Saturdays from 10 a.m. to 5 p.m. (ET) or visit a local branch if you have questions about the Access 360 Card.

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