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.

Visit www.53.com/content/fifth-third/en.html
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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    How do I know I can trust these reviews about Fifth Third Bank?
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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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      Punctuality & SpeedMaintenanceStaff

      Reviewed July 14, 2026

      We have had multiple accounts at this bank since 1983. There have been multiple name changes and mergers ( American National, Old Kent etc ) as well as closures of the branch offices near our home. Staff turnover seems immense. Their representative did not show even though we waited 3 days for the appointment. The WIFI in this branch office 30 minutes from our home did not work, so now we can only access our accounts online from home or do cash transactions by ATM.

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      Customer ServicePriceStaff

      Reviewed July 7, 2026

      Worst banking experience ever at the Boot Ranch Location in Palm Harbor. The branch manager should not have a job dealing with customers. She was the rudest, most condescending person you could have in that position. She talked down to us, continuously interrupted, wouldn't answer questions and eventually we left because her behavior was so unacceptable. We went in to roll over some CDs and have some checks cashed. She told my handicap mother that she could only help with the CDs and for cashing the checks. My mother would have walk up to the counter to cash the checks. Didn't care about her using a cane or it being an inconvenience to jump into another line after doing the CDs.

      Well the CDs never got rolled because the branch manager wanted to argue about my mother not having a debit card there and also not having a modern phone. Avoid this branch at all costs and we will be moving all of the CDs, checking and savings accounts and mmkt IRAs to Regions. They have associates that enjoy working with others and actually try to help instead of argue.

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      Customer ServicePunctuality & SpeedBilling

      Reviewed July 7, 2026

      Utterly abysmal between locking my card pumping gas, and dropping the ball every chance they get, the worst thing you can do is walk into a fifth third bank. They suck. Nothing really to it. You have terrible customer service, you have terrible account management, you have terrible automated lazy security. Let's not forget being in the home base state of Ohio and having to wait over a week to receive a replacement card. WITH NO TEMPORARY CARD AVAILABLE AS AN OPTION. WHAT???? Most recently after receiving probably 15 zelle payments. The one time I need the money for something desperately I am now waiting 3 business days. Just horrible. As soon as I am able to I am dropping them and never looking back, might be tomorrow at this point, couldn't pay me to use this bank.

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      Customer ServicePunctuality & Speed

      Reviewed July 4, 2026

      If I could, I would give them a -Star. I was unable to open the account online. The system forces you to use a smartphone with no way to override and use a laptop or other device. The phone numbers provided - 800-972-3030 & 866-671-5353 - don't work!! They do NOT allow non-customer access to their system. When you call and choose an option, you get a constant, fast busy signal unless you are already a customer. The bank TEASES you with a sign up bonus of $300. However, it is physically impossible to claim that bonus unless you use a smartphone. Using a smartphone may sound like an easy fix. However, I DO NOT WANT to use a smartphone. I DON'T do my banking on a device I carry in my pocket! Nor, should I be required to. I wish I had read the reviews earlier. I would have saved a LOT of time and aggravation!

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      Customer ServicePriceRefunds & Payouts

      Reviewed June 30, 2026

      I’ve been a “private banking” customer of this bank since 1982. I discovered that unauthorized $7/month charges were being applied to my checking account for “ID Alert.” I did not sign up for it. I had to spend two hours on the phone trying to explain this while getting passed around to the same departments with no one having authority to address, the banks unilateral unauthorized debits of my money. The bank advised that I somehow had signed up for it, which is false. The bank refused to refund $28 in a 45 year banking relationship. I think I will be finding a new bank as they clearly do not value my time or my patronage. I admit my bias, but this is true institutional stupidity on the bank’s part.

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      Customer ServicePunctuality & SpeedStaffBilling

      Reviewed June 30, 2026

      I would never recommend Fifth Third bank for anything. I recently sold my house and paid off the mortgage. I waited over 20 days for my escrow balance check. Kept calling they said be patient. After day 20 I call and they said they would stop payment and re issue another check so I have to wait another 20 or so days to get a check. I said can you send it overnight there comment no it is regular mail. Is there any other option than mailing it NO. Asked to speak to his supervisor and he said they are not going to give you a better answer. Lousy service. I would never ever use them again. How is that fair?? They have my checking account information because I paid mortgage online every month. But no cannot do it that way. Only option mail.

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      Customer ServicePunctuality & SpeedOnline & AppBillingEase of UseResolution

      Reviewed June 4, 2026

      In-bank customer support is more than adequate in the branch I use, but attempt to get a CSR, after bank hours, on the telephone is unreasonably slow to answer the call, if you can get past their automated system. Typically the answers are inadequate to resolve the problem. The 5/3 computer banking website is poorly designed, difficult to navigate through, particularly on the credit card section and recently has been nearly impossible to even access online banking. I opened the account because a branch was close to my residence, but that convenience has been outweighed by the poor quality I experience. Closed my business accounts with 5/3 Bank last year, looks like 2026 will end my banking relations with them on my personal side too.

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      Fifth Third Bank Company Information

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