Free Checking AccountFifth Third Momentum® Checking
Get a free, no minimum balance checking account that gets you. Fifth Third Momentum® Checking lets you live your life, while getting more from it, every day.
Benefits you can bank on.
There’s a lot to love about Fifth Third Bank’s suite of checking accounts—specifically with free Fifth Third Momentum® Checking. Here’s a quick look at all the benefits you’ll enjoy with your account:
NO hidden fees and NO minimum balance1
Extra Time® to avoid overdraft fees3
Peace of mind with fraud protection
Access your eligible payroll direct deposits up to 2 days early with Early Pay2. Plus, get your Federal Tax Refund up to 5 days early—free when you direct deposit your refund into a Fifth Third Momentum® Checking Account
Get a cash advance on your next qualified deposit with MyAdvance® 4
Help from local bankers at every step
Tap to pay and go on your way.
For fast, touch-free purchases and peace of mind, our Fifth Third Momentum® contactless debit card is there for you—with Zero Liability to protect you from unauthorized purchases.6
A no minimum balance checking account.
With a Fifth Third Momentum® free checking account, we mean no in the best possible way—with no minimum balance requirement, no minimum deposit, and no monthly maintenance fees. That means you can say "Yes" to even more in life.1
Earlier payday. Happier you.
When you have direct deposit added to your Fifth Third Momentum® Checking Account, you could get your paycheck up to two days early—without a fee.2 That's right, free direct deposit! So, feel good knowing payday, and all its possibilities, is on its way sooner.
Get money—and time—when you need it.
You've got 40,000 fee-free ATM friends.5
With us, you don't have to pay money to get your money. Our nationwide network of fee-free partner ATMs means free and easy access to your cash is always just around the corner. Benefits of ATMs:
Benefits of ATMs:
- Withdraw or deposit whenever you want
- Faster and easier than going in the bank
- PIN required, to keep your money safe
Exclusive prices on Identity Theft Protection.
Keep tabs on your personal financial information without worry. Fifth Third Identity Alert® protects you from fraudsters—monitoring your credit score and social security activity. If you have a free checking account with Fifth Third, you’re eligible!
Why Fifth Third?
Experienced
We've been helping people manage their money since 1858.
Accessible
We have branches in 11 states, with more than 1,200 full-service locations.
Convenient
You can avoid fees at over 40,000 partner ATMs nationwide.5
Committed
We are dedicated to making positive change in the communities where we work and live.
What are customers saying
"My 1st Early pay just kicked in and I LOVE THE CONVENIENCE OF IT!! Definitely made my day a Fifth Third BETTER"
Josh - Facebook
@Fifth Third "It's not joking around. I got paid early yesterday and it was just lovely!"
@pickledolls - Twitter
"Yess I woke up this morning and I got my check 2 days early it was a fifth third better…"
Christopher - Facebook
How to open a free checking account
Open up a Fifth Third Momentum® Checking account in minutes. Here’s what you’ll need to apply:
- We will need your full name, address, phone, date of birth, a primary form of identification, and social security number.
- To apply online: You must be 18 years or older, have a social security number, and have a valid form of identification.
- To apply in-person: You must have a valid form of identification. A non-resident alien (NRA) can open an account at a Fifth Third branch.
Fifth Third Momentum® Checking Account FAQs.
Thinking about opening a free checking account? Here are answers to frequently asked questions.
Additional Resources
Is Free Checking Really Free?
Is your free checking account really free? Here are the ins and outs to know if you’re getting what you signed up for.
6 Benefits of Having a Checking Account
Checking accounts allow you to conduct many types of everyday transactions, both in person and online. Using your checking account, you can deposit money, transfer funds to other accounts (both yours or other people’s), withdraw cash, and write checks.
Questions to Ask When Opening a Checking Account
Here are questions to ask your banking representative about checking account fees, minimum balance, and mobile apps.