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

Bloomingburg, OH
Verified purchase
They are always courteous and helpful either in person or when I call with a question. Someone typically greets me upon entering the bank and the wait is never too long when compl...

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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.

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 - 10

    Reviewed May 10, 2026

    The website and online banking is very problematic. Very, very difficult to do business with them.

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    Customer Service

    Reviewed April 28, 2026

    No one has the power or authority to release funds at the branch level without the permission of legal that can't be contacted in a timely manner and when they respond their notes don't seem to be accessible or shared with other branches. I have been in four branches starting last week in two different states. Last conversation with branch on cut road in Louisville is they have to get in touch of district manager. But they're busy usually. As an Arizona resident every day this takes is another 1,000 in cancelled flights and hotels. Nice people. Poor systems. Exact same circumstances at 5 other banks 1 day service this bank TBD WG.

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      Punctuality & SpeedStaffTimeliness

      Reviewed April 25, 2026

      Visited a branch in Winter Garden to open a MM account at 510pm Friday 04/24, branch closed at 6pm. Once inside the employee asked to come back next day since it is today too late for them to open a account. The lady suggested me to be be early at 9am since they will be open from 9 to 12. Returned next morning at 9am and waited until they opened at 901aM. When walk in the banker welcome me and my wife and immediately mentioned that she is the only banker and she already is booked all morning with appointments.

      I mentioned the experience from the day before and she turn and question to the second employees if she remember talking by us about my story. So in other worlds, she did a confrontation. Not very appropriate not professional. This people need manners and to be trained on how handle prospect clients. I was not able to open an account with transferring 120,000 new money plus another checking with direct deposit. Never will return back to this environment.

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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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      Customer ServiceStaffTransparency

      Reviewed April 18, 2026

      Their latest trick. All of a sudden 53 decided to put a 7-day hold on my tenants’ rent check. These are not new tenants and there has never been a problem with checks to me not clearing. When I called to question why, customer service was totally ineffective. Said communication from tenants’ bank said there was a “high likelihood of check being returned.” Tenant sent me a screenshot of their balance, which was approx 10x the amount of their rent check. Nevertheless 53 rep said nothing could be done to remove the hold. Supposedly I was supposed to receive a written explanation for the hold in my documents folder. Nothing appeared in that folder until the hold had already been in place for two days.

      All this is in addition to difficulties in even reaching a customer service repr. They have new security precautions so it is necessary to provide all your personal ID info as well as your complete account number in order to proceed. After I did all that a recording said they were closed. Seems like they should tell you that upfront. The following day when I did get through, there were two separate hold times totaling 26 minutes while they consulted, and still an unsatisfactory resolution.

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      Customer ServiceStaff

      Reviewed April 9, 2026

      I had a lot of disturbing behavior from these bank employees. One teller I'd never met calling up all friendly like we were friends wanting to see how I'm doing and demanding I come down to the bank to meet her. I reported this odd behavior to management and they claimed they called customers at least once every 6 months. One day I found money missing from account. I called down there and told them if my money wasn't put back immediately I was headed to the police station to report the specific teller for robbery. The money was put back, there is so much more. I felt it was best to close this account.

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      Customer ServiceStaffLoan Process

      Reviewed April 8, 2026

      YOU LITERALLY CAN NOT TALK TO A LIVE REPRESENTATIVE UNLESS YOU HAVE AN ACCOUNT NUMBER. They have locked me out of my account online and the only way to access it is to have an account number. Well I DON'T HAVE ONE. IT'S A CAR LOAN. Then to sit through their automated system only to be hung up on or not even talk to a live person is absurd. I will be closing my account the moment I can.

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      CoverageTechPricePunctuality & SpeedLoan Process

      Reviewed April 8, 2026

      Absolutely horrible bank. They use every possible way to screw you with every fee and tactic they can use. Despite having GAP insurance on an auto loan and the GAP insurance company and the Auto insurance company paying them thousands and thousands of dollars, somehow, they conveniently, for them, do not count all of that money towards paying the loan. Therefore, they charged late fees and harass you. Never mind that the car is totaled, insurance paid the vast majority of the loan, service contract paid hundreds more, GAP insurance paid hundreds and requested the loan be backdated. Nope, Fifth Third will screw you to make that last dollar.

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      Customer ServiceLoan ProcessTransparency

      Reviewed April 8, 2026

      I would never do business with Fifth Third Bank. My elderly mother has a loan with Fifth Third Bank and the days and hours spent, more like wasted, on the phone with customer service simply trying to update her phone number on her loan was a complete nightmare. We do not live near any branch locations and calling in to customer service was so frustrating over many many hours and many, many days on the phone with customer service, and at times getting disconnect after being put on hold only to have to call back and start the process all over again, that it resorted in me Googling a random branch simply to try another approach at getting our concern address. Absolutely disgusted with the frustration that communicating with Fifth Third Bank has caused.

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      Fifth Third Bank Company Information

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