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Home » Banking » Fifth Third Bank Review 2023: Get A $325 Bonus


FIFTH THIRD BANK REVIEW 2023: GET A $325 BONUS

Last Updated on January 10, 2023 by Harrison Brown

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Table of Contents:
 * 1What Is Fifth Third?
 * 2Pros & Cons
 * 3Availability
 * 4Checking Accounts
 * 5Savings Accounts
 * 6Credit Cards
 * 7Fees
 * 8Compare
 * 9Is Fifth Third Good?
 * 10FDIC Insurance
 * 11Is It A Real Bank?
 * 12Bottom Line
 * 13FAQ


7.8/10 (Expert Score)
Product is rated as #13 in category Banking

Fifth Third Bank is a great place to start if you're looking for a checking,
savings, or brokerage account that offers competitive rates and good customer
service. In this review, we'll look at the different products that online
banking company offers and see how they compare to other banks in the industry.

We'll also discuss the bonus that Fifth Third Bank is currently offering for new
customers – so if you're thinking about switching banks, keep reading this Fifth
Third Bank review!



What Is Fifth Third?


WHO IS FIFTH THIRD BANK?

Fifth Third Bank is a financial institution headquartered in Cincinnati, Ohio.
The bank has over 1200 branches across ten states and offers various financial
products and services for individuals and businesses.

Fifth Third Bank offers various checking account options, including a free basic
checking account with no minimum balance requirements. The bank also offers
several savings account options, including a high-yield account that earns
interest at 0.60% annual percentage yield (APY).

For those who are looking to invest, Fifth Third Bank offers brokerage accounts
through its affiliate, Fifth Third Securities. Accounts can be opened with as
little as $500, and there are no annual fees or commissions on trades.

Pros & Cons


PROS & CONS OF FIFTH THIRD BANK

Pros
 * Wide range of checking, savings, and investment options
 * Competitive rates and fees
 * 27/7 customer service (Messaging, calling, and email)
 * Access to a large network of ATMs totaling over 50,000

Cons
 * Limited branch locations (mostly in the Midwest)
 * No mobile app for Fifth Third Securities accounts
 * Low savings rates on some checking & savings products

Availability


WHERE IS FIFTH THIRD BANK AVAILABLE?

Currently, Fifth Third Bank is available in the following states:

Ohio
Indiana
Kentucky
Michigan
North Carolina
Florida
Georgia
Tennessee
South Carolina
West Virginia
Illinois

If Fifth Third Bank is currently unavailable in your state, check back
occasionally as they are always expanding and growing!

Checking Accounts


FIFTH THIRD BANK CHECKING ACCOUNTS

One of the great things about the Fifth Third checking account is that there are
several different checking account options to choose from.

Whether you're looking for a basic account with no monthly fees or an account
that earns interest, Fifth Third has something to meet your needs.


FIFTH THIRD MOMENTUM CHECKING

The free Fifth Third Momentum Checking is Fifth Third Bank's most popular
product, and it is a great option for those who want to avoid monthly
maintenance fees.

This account has no minimum balance requirements and offers features like online
and mobile banking, bill pay, direct deposit, no minimum balance requirements,
and early direct deposit, which lets you get your money up to 2 days early! The
Momentum Checking account also offers overdraft protection as well as a unique
feature called Fifth Third Extra Time, which gives you more time to make a
deposit to avoid overdraft fees.


FIFTH THIRD STUDENT BANKING

The Fifth Third Student Banking account is another great option for those
looking for a no-fee checking account.

This account has no minimum balance requirements and offers features like online
and mobile banking, bill pay, and direct deposit. The Student Banking account
also offers a free debit card and discounts on other Fifth Third products and
services.


FIFTH THIRD MILITARY CHECKING

The Fifth Third Military Checking account is a great option for those currently
serving in the military or veterans.

This account has no monthly maintenance fees and offers features like online and
mobile banking, bill pay, direct deposit, and overdraft protection.
Additionally, the account will provide special VA home loan rates and 10 free
non-Fifth Third ATM transactions per month.


FIFTH THIRD PREFERRED CHECKING

The Fifth Third Preferred Checking account is a good option for those who are
looking for an account that earns interest. The account provides no ATM fees at
any ATM (Limit 10 per month), Fifth Third Exclusive personal checks, exclusive
rates on loans, Identity Alerts, and a 24/7 dedicated customer service line.

This account has a monthly maintenance fee of $25, but it can be waived if you
maintain a balance of $100,000 or more in any of your Fifth Third accounts. Like
the other accounts, the Preferred Checking account offers features like online
and mobile banking, bill pay, and direct deposit.

Savings Accounts


FIFTH THIRD SAVINGS ACCOUNTS

In addition to its checking account options, Fifth Third Bank also offers
several savings accounts. Below, we've discussed the differences, benefits, and
drawbacks of all the savings accounts offered.


FIFTH THIRD MOMENTUM SAVINGS

The Fifth Third Momentum Savings account is a great option for those looking for
an account with no monthly maintenance fees. This account offers features like
online and mobile banking, bill pay, and direct deposit. The Momentum Savings
account also offers a free debit card and the ability to set up automatic
transfers to your Fifth Third checking account. The account offers competitive
interest rates, automatic check-to-savings transfers, combined savings and
checking statements, and more.


FIFTH THIRD RELATIONSHIP MONEY MARKET

The Fifth Third Relationship Money Market Savings account is a great option for
those looking for an account that earns interest. Currently, with the
Relationship Money Market account, you can enjoy some of the best savings rates
with tiered rates that provide a higher return as more money is deposited into
the account. Take a look at the current rates here.


529 EDUCATION SAVINGS & 529 CD ACCOUNTS

Fifth Third also offers a 529 Savings Plan and a CD Plan. The Fifth Third Direct
529 Savings Plan is a great option for those who want to start saving for
college. There is a $25 minimum to open a 529 savings account and a $500 minimum
to open a 529 CD. For both accounts, there are no monthly service charges. The
529 CD account offers a guaranteed rate of return, and both accounts are fully
FDIC-insured. Finally, all earnings will grow tax-free, so you can start
focusing on saving for college with no ongoing monthly fees.

Credit Cards


FIFTH THIRD BANK CREDIT CARDS

Fifth Third offers a variety of credit card options, so you can choose the one
that best suits your needs. However, if you don't find a card you like here,
take a look at our review of the top 3 no-fee credit cards right now!


FIFTH THIRD CASH BACK CARD

The Fifth Third Cash Back Card is a great option for those who are looking for a
credit card with no annual fee. This card offers features like 1.67% unlimited
cash back, no changing categories, no point expiration, and no annual fee.


TRULY SIMPLE CREDIT CARD

The Truly Simple Credit Card from Fifth Third is a great option for those
looking for a credit card with no annual fee and no balance transfer fees. For a
limited time, get a 0% introductory APR for the first 18 billing cycles after
the account is opened!


SECURED CREDIT CARD

The Fifth Third Secured Credit Card is a great option for building or rebuilding
their credit. This card has a $24 annual fee, and you can open an account when
you deposit $300 into a new Fifth Third Checking Account to secure this card.
This $300 deposit is also fully refundable.


FIFTH THIRD PREFERRED CASH BACK CARD

The Fifth Third Preferred Cash Back Card is a great option for those looking for
a credit card with no annual fee and no foreign transaction fees. The card gives
you unlimited 2% cash back, no revolving categories, no point expiration, and an
annual fee of $0.00.

Fees


WHAT FEES DOES FIFTH THIRD CHARGE?

Here is a list of the most common monthly service fees associated with Fifth
Third Bank accounts:

AccountMonthly Service FeeEarns InterestMomentum Checking$0NoPreferred
Checking$25YesStudent Banking$0YesMilitary Checking$5YesExpress Banking$0No

You can usually lower the maintenance fee by having more than one account that
meets the specified minimum requirements.

Compare


FIFTH THIRD BANK VS. COMPETITORS

Now that we've looked at some of the products and services offered by Fifth
Third Bank let's compare it to some of its competitors.

Pros
Cons
SoFi Bank
SIGN UP
Pros
Zero fees or account minimums
Banking, loans, & More All In One
Sign-up bonus (Currently at $300)
Cons
No physical locations
Need direct deposit to get 3.00% APY
Live support can be slow
CIT Bank
SIGN UP
Pros
Zero monthly fees
High APY savings account (3.85% APY)
Free ATM reimbursements (Up to $30/mo)
Cons
No physical locations
No ATM network
Mobile check deposits sometimes take a while to clear
Fifth Third Bank
SIGN UP
Pros
Has physical branches
Highest sign-up bonus ($325)
24/7 live support
Cons
Only available in 11 states
Some accounts don't earn high-interest
Service fees can be high

If you're interested in either of these competitors, read our SoFi review, where
you can get a $300 bonus for signing up, and read our NorthOne review where you
can get a $20 bonus once you open an account!


FIFTH THIRD BANK VS. CHASE BANK

Chase is a national bank with more than 4,000 branches and 166,000 ATM outlets
which should make it easy to locate. While Chase Bank has more physical branches
and is available in all 50 U.S. states, and the bank's mobile app ranks higher,
Fifth Third Bank will give you more tailored one-on-one support with easier
access to exclusive checking and credit card offerings.


FIFTH THIRD BANK VS. CIT BANK

CIT Bank is an online banking company with no physical locations. The bank
offers a full range of banking products, including checking, savings, and
investment accounts. However, it doesn’t have as many account options as Fifth
Third Bank. Additionally, CIT has higher fees for some of its services. When it
comes to customer service, CIT has a good reputation, but it can’t match the
personal touch that Fifth Third Bank can provide since it is a regional bank.


FIFTH THIRD BANK VS. PNC BANK

Pittsburgh National Corporation (PNC) Bank has more than 2700 branches and 9000
ATM outlets. PNC offers a full range of banking products, including checking,
savings, and investment accounts, with a lower minimum opening deposit. However,
PNC can be more expensive than Fifth Third regarding fees associated with its
accounts. Additionally, regarding customer service and account options, Fifth
Third Bank can generally give a more personalized experience due to being a
smaller regional bank.

Is Fifth Third Good?


IS FIFTH THIRD A GOOD BANK?

Fifth Third Bank is a great option if you are looking for a bank with physical
branches in the Midwest and South. The bank offers several checking and savings
account options and competitive rates. Fifth Third Bank has no monthly service
fees associated with many of its accounts. Regarding customer service, Fifth
Third Bank generally provides a more personalized experience than other larger
banks.

FDIC Insurance


IS FIFTH THIRD BANK FDIC INSURED?

All of Fifth Third Bank's deposit products are FDIC-insured. This means that
your money is safe and protected for up to $250,000 per account type.

Is It A Real Bank?


IS FIFTH THIRD BANK A REAL BANK?

Yes, Fifth Third Bank is a real bank. It is one of the largest banks in the
United States, with over $141 billion in assets. The bank has over 1200 branches
across ten states. It is an FDIC member and headquartered in Cincinnati, Ohio.

Bottom Line


WHY CHOOSE FIFTH THIRD BANK?

8Expert Score
Great bank if you live in the right area

Fifth Third Bank is a great all-in-one option for those looking for great
savings, checking, and money market accounts with low fees and high-interest
rates. Additionally, with the competitive loan and credit card rates, Fifth
Third Bank is a great option for anyone looking for a new bank. However, because
Fifth Third bank is only available in 11 states, it's not the best choice for
everyone - especially if you don't have a physical address in an accepted state.

Customer support

9
CD rates

7
Fees & charges

7
Products & tools

8
Positive
 * Physical locations
 * Network of 50,000+ ATMs
 * 24/7 customer support

Negatives
 * Only available in 11 states
 * Lower APYs on non-CD products
 * App not available for brokerage accounts

FAQ


FIFTH THIRD BANK FAQ


DOES FIFTH THIRD BANK HAVE ZELLE?

Yes, Fifth Third Bank does have Zelle, which is supported by its checking and
savings accounts.


DOES FIFTH THIRD BANK HAVE 24/7 SUPPORT?

Yes, Fifth Third Bank does have 24/7 messaging support through their mobile app
and online platform. However, phone support is only available Monday - Friday
from 6 a.m. to 9 p.m. Eastern Time and Saturday to Sunday from 8:30 a.m.–5 p.m.
Eastern Time.


HOW MUCH WILL FIFTH THIRD ALLOW YOU TO OVERDRAFT?

Fifth Third Bank will allow you to overdraft by up to $36, but they may charge
you a fee of up to $25 for each overdraft. Additionally, they may also charge
you a daily overdraft fee of $36 if your account is overdrawn for more than two
consecutive days.


DOES FIFTH THIRD CHARGE OVERDRAFT FEES?

Fifth Third Bank may charge you a fee of up to $25 for each overdraft, but it
depends on the product you are using.


WHAT IS THE MINIMUM DEPOSIT TO OPEN A FIFTH THIRD BANK ACCOUNT?

The minimum opening deposit to open a Fifth Third Bank account is $25. However,
you will need to maintain a minimum balance which changes depending on the
checking or savings product you are using.


HOW BIG IS FIFTH THIRD BANK?

Fifth Third Bank is one of the top 20 largest banks in the United States, and it
currently has over $141 billion in assets under the name Fifth Third Bancorp.


HOW MANY CUSTOMERS DOES FIFTH THIRD BANK HAVE?

Fifth Third Bank is one of the largest consumer banks in the Midwestern United
States, with over 4 customers across their various products.

Fifth Third Bank Review 2023: Get A $325 Bonus
 * 1What Is Fifth Third?
 * 2Pros & Cons
 * 3Availability
 * 4Checking Accounts
 * 5Savings Accounts
 * 6Credit Cards
 * 7Fees
 * 8Compare
 * 9Is Fifth Third Good?
 * 10FDIC Insurance
 * 11Is It A Real Bank?
 * 12Bottom Line
 * 13FAQ


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