Fifth Third Bank Reviews

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Edited by: Tammy Burns

About Fifth Third Bank

Fifth Third Bank is a regional bank headquartered in Cincinnati, Ohio. It offers a full lineup of financial products, including checking and savings accounts, home and personal loans, investments and insurance. Fifth Third has been in operation for over 165 years.

Pros
  • Large ATM network
  • No-fee checking account
  • Promotional CDs have competitive rates
  • HSAs, ABLE and 529 savings accounts available
Cons
  • Only available in 11 states
  • Some monthly fees
  • Low interest rates on most deposit accounts
  • $5,000 minimum deposit for promotional CDs

Helpful Reviews

Brookville, IN
Verified purchase
Have been banking there 5 years, no issues. Recently deposited a $2000 Dollar check from another bank, they put a 10-day hold on it without notification returned a $6000 check bec...

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Fort Mill, South Carolina
Verified purchase
I Have had mortgages and loans with FifthThird, along with several other accounts. Service has been great. Have never encountered a negative person. They are always ready to help ...

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What is Fifth Third Bank?

Fifth Third Bank is a regional bank that operates over 1,000 branches across the Midwest and South. As of March 31, 2025, it has over $200 billion in assets, and it offers a variety of financial services to individuals, families and businesses.

Fifth Third Bank serves residents and businesses in 11 states:

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

Fifth Third Bank is insured by the Federal Deposit Insurance Corporation (FDIC) and has been in business since 1858.

How does Fifth Third Bank work?

You can open a Fifth Third Bank account online, by phone or in person. Opening an account typically requires providing personal information such as your name, address and Social Security number.

Once your account is open, you can manage it through the Fifth Third Bank mobile app, which allows you to check your balance, deposit checks, transfer money, pay bills and set up alerts.

You can reach customer support by:

  • Stopping by a local branch
  • Sending a message online or via the mobile app
  • Calling customer service, available every day except Sunday, at 800-972-3030

Fifth Third Bank products and services

At Fifth Third Bank, you’ll find these products and services:

Checking accounts

Fifth Third’s Momentum checking account, its most popular, has no monthly fee or minimum balance requirement. The Extra Time feature gives you until midnight Eastern on the business day after your account is overdrawn to bring your account balance to at least $0 and avoid overdraft fees.

Fifth Third has a premium Preferred Checking account that offers interest and other benefits, as well as accounts for students, military members and their families, and those who need money management assistance. Its ABLE checking account is for individuals with disabilities and their families who want a way to save without losing federal benefits.

When you set up a checking account with Fifth Third, you can choose from a variety of debit cards.

Savings accounts

Fifth Third Bank offers a range of savings accounts. The Momentum savings account earns a rate of 0.01% at the time of publishing, while the money market account rate grows with your balance. You can avoid the $5-per-month service fee on each type of account if you have a checking account or maintain an average monthly balance of at least $500. Fifth Third also offers a savings account for children and students 13 and older.

Certificates of deposit

Fifth Third Bank offers a variety of CDs, including promotional, short-term, long-term and 529 options. There are no maintenance fees, and interest rates are fixed for the entire term. Minimum deposit amounts range from $500 to $5,000, and terms last from seven days on a short-term CD to 144 months on a 529 CD.

Loans

With Fifth Third Bank, you’ll find a broad selection of mortgages, including fixed- and adjustable-rate options. Fifth Third also offers home equity lines of credit and home equity loans if you want to borrow against your property.

In addition to mortgages, you can find personal loans and auto loans for buying or refinancing.

Credit cards

Fifth Third Bank has credit cards with features like up to 2% cash back, no annual fee, 0% introductory annual percentage rate (APR) and no international transaction fees. There’s also a secured credit card that you can use to build credit history.

Insurance

If you’re in the market for life insurance, Fifth Third Bank can help you choose coverage. Its products include term, universal, variable and whole life insurance, plus long-term care and disability income policies.

Investment services

With Fifth Third’s investment services, you can open an individual retirement account (IRA) with as little as $500, or get financial guidance from a professional to help you invest in stocks and bonds, mutual funds, annuities or exchange-traded funds.

Fifth Third Bank fees

If you set up Momentum checking and savings accounts, you won’t pay any monthly service fees. Other checking and savings accounts may have fees, but you can avoid these by meeting certain requirements, such as maintaining a minimum balance.

Fifth Third Bank fees include:

  • Non-Fifth Third ATM fee: $3.50 in U.S., $5 international
  • Cashier’s check: $10
  • Money order: $2
  • Stop payment: $33
  • Overdraft: $37, maximum of three fees per day
  • Incoming wire transfer: $15
  • Outgoing domestic wire transfer: $30

Fifth Third doesn’t charge any fee for a debit card replacement.

Fifth Third Bank FAQ

Does Fifth Third Bank offer mobile banking?

Yes, Fifth Third Bank has 24/7 mobile banking, including through its app. You can check balances, make deposits, transfer money, pay bills, set up alerts for things like low balances, and even withdraw cash at an ATM without your physical debit card.

Does Fifth Third Bank use Zelle or another payment service?

Yes, Fifth Third Bank allows you to send and receive money using Zelle in its mobile app.

Can I open an account at Fifth Third Bank if I have bad credit?

Yes, some of Fifth Third Bank’s options are geared toward those who want to build credit, like the Express Banking checking account and the secured credit card, which shares your account information with the three major credit bureaus.

Where is Fifth Third Bank available?

Fifth Third Bank is available in Florida, Georgia, Illinois, Indiana, Kentucky, Michigan, North Carolina, Ohio, South Carolina, Tennessee and West Virginia.

Is there a lawsuit against Fifth Third Bank?

In March 2020, the Consumer Financial Protection Bureau (CFPB) sued Fifth Third Bank, alleging that it created accounts for customers without their consent. In July 2024, the bank reached a settlement with the CFPB, agreeing to pay a $15 million fine and ban sales goals that led employees to create fake accounts. Separately, Fifth Third agreed to pay a $5 million penalty to the CFPB for activities related to auto loan servicing.

Still have questions?

Is Fifth Third Bank legit?

Yes, Fifth Third Bank is legit and worth considering if you’re looking for a full-service provider and live in the 11-state service area. Before you choose Fifth Third, we recommend comparing its products, rates and fees with those of other banks so you get the most for your money.

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Fifth Third Bank Reviews

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    Page 1 Reviews 0 - 7
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    Customer ServiceStaff

    Reviewed May 20, 2026

    Talking on the phone with Rainbow today was so awesome. She was very kind and super helpful, asked me about my day and my week. I didn't feel like she was a robot or didn't want to be at her job; if anything, the opposite! She was very warm. Wish everyone could get to talk to someone like Rainbow on the phone. I also always struggle with having to use my government name and speaking it out loud when on the phone with banking and phone companies. It feels invasive and not private. Rainbow, however, was super polite and understanding and used the name I asked her to. I know it can be hard to remember to do so when you're following a script, but she went out of her way to try, and it means a lot to me. Thanks, Rainbow!

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    Customer ServiceStaff

    Reviewed April 24, 2026

    On April 22nd of 2026, my wife and I visited this Branch and met Samuel ** and Mrs. Karina **. What a great experience my wife and I had meeting with these two outstanding professionals!!! First of all, when we walked in we were greeted by Sam and we were welcomed with the question if we wanted something to drink, it was like walking into a Starbucks store, but with a friendlier atmosphere!! This branch made us feel welcome, We could feel the positive energy coming from both professionals, they were knowledgeable, friendly and great professionals who helped us open an account.

    We were long-time Wells Fargo customers before, but the treatment lately we received from an unknown banker added to our account at the Lighthouse Point branch and the main call center, made us decide to leave Wells Fargo and try some other bank! This Branch is close to where we are and were pleased with the service we received! We were comfortable with the help from these two professionals!! We HIGHLY RECOMMEND THIS BRANCH!! Just ask for Samuel ** or Mrs. K **. Two of the finest professionals!

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      Reviewed April 23, 2026

      Very kindness support to Zelle problems. Ms. ** who is financial center manager is so warmful support.

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      PricePunctuality & SpeedStaff

      Reviewed May 29, 2026

      I helped my spouse open a account with 5/3 Bank who has a learning disability and we found out about a fraudulent charge. We went to the branch downtown Tampa on May 28th and again on May 29th. Since the lady who opened the account was at lunch we had to see a lady by the name of Zapparah **. When we went in she told me that I couldn't be in there with my spouse that I had to wait in the lobby. Then also the other male manager, his name might be Migale. This was not professional situation that they made me and my spouse feel. This is not the only review that I will be doing, taking this to corporate headquarters in Cincinnati Ohio which is 5th 3rd Bancorp and to the office of the president of fifth third bank executive customer relations. They should not treat customers in that manner and should lose their job.

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      Customer ServiceBilling

      Reviewed May 26, 2026

      5/3 bank customer service continues to get even worse. They screwed up a checking account I have had for 20 years. Customer service in Philippines' cannot answer any questions, cannot speak intelligent English. Then screwed up my credit card as well. I cancelled everything I had with them. Do not ever open an account. I was with them for 25 years. No more.

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      Punctuality & SpeedStaffTransparency

      Reviewed May 24, 2026

      ⭐️ 1/5. I scheduled an apartment viewing and had an extremely unprofessional experience from start to finish. The team was not on time, failed to communicate any updates or delays, and ultimately never showed up — meaning I never even got to view the apartment. My time was completely wasted. If this is how they treat potential tenants before you even sign a lease, I would think twice before renting here. I would not recommend this property to anyone.

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      Price

      Reviewed May 22, 2026

      This is the worst bank I have ever dealt with. They allow people not on your account to take out money. When you try to stop it because of their negligence they want to charge you for not doing their job.

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      Customer ServiceStaff

      Reviewed May 22, 2026

      This is absolutely worst mortgage company I ever saw. Their systems work poorly. Customer success is absolutely awful. It already took me at least 12 calls, each of them 30 minutes to resolve the issue that they basically submitted my money to the wrong place, and now stalking me regarding my mortgage, but still the issue was not resolved. They're completely irresponsible. They don't reply to any of the emails. Each and every employee tells completely different story. I just would like to warn everyone who is planning to open any account with them. Don't do that.

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      PricePunctuality & Speed

      Reviewed May 21, 2026

      Don't bank with them! I opened a checking account with them and they sent me a debit card. I never used the debit card. Not at a store, gas station, ATM or anywhere else. Nothing online. Next thing I know someone made a fraudulent charge on that card which leads me to question the security of the bank itself because I never put that card out there anywhere. The charge was for an adult porn site and fyi I'm a 70 year old grandma who definitely does not subscribe to porn sites! They deducted the funds from my account and even though they said the charge was "pending", (so I'm assuming they could have canceled the charge) it's now 7 business days later and I still have not received the bank's resolution determining that it wasn't my charge or the return of my money.

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      Customer ServiceSales & MarketingRefunds & PayoutsMaintenanceStaffHonesty & Transparency

      Reviewed May 21, 2026

      The Fifth Third fraud department so called "supervisors" are the most arrogant and rude people and tarnishes the image of Fifth Third Bank. Quite different from the branch managers who are friendly and helpful. The fraud department treats branch managers with the same rudeness that customers are given. A little over a month ago, I was scammed when I made a Walmart purchase on Facebook. I immediately reported the incident to the Fraud Department. They immediately locked my account and I had no access to MY MONEY. I talked to a Fraud Department supervisor, his name maybe Dick (he certainly acted like one), this arrogant and rude person has no business being in the position that he holds.

      I simply asked that I would like to receive my funds, which were supposed to be released on May 23rd, to be released to me today May 21st because the mail would be delayed because of the upcoming holiday. He replied "no, we don't do that" and changed the date for the release of my funds to the 26th! That means that I won't receive their check until the 30th. I explained to this "person" that I am 70 years old disabled and needed MY money in order to pay for medications and food. I asked to speak to his supervisor and he responded "I don't have a supervisor, I'm the end of the line for you". Rather rudely in the highest sense of the word.

      As far as releasing MY money to me, about 3 weeks ago, another equally rude woman "supervisor" released $2,000 of my funds to me, so I know that it was possible. So, I knew that I was being lied to by "Dick", and unless you're the CEO, EVERYONE has someone that they answer to.My recommendation is that you NOT USE THIS BANK, at least I would say AVOID THE FRAUD DEPARTMENT. As a retired Police Officer, my opinion is that this character is no more than a punk on a power trip. Fifth Third, you really need to fix this.

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      Fifth Third Bank Company Information

      Company Name:
      Fifth Third Bank
      Website:
      www.53.com