Avoid Monthly Fees Multiple Ways with a Fifth Third Essential Checking® Account

Ways to Avoid Monthly Service Charges

  • Maintain a combined monthly average balance of $1,500 across your deposit and investment accounts1, OR
  • Spend at least $500 per month on a Fifth Third credit card2, OR
  • Have any existing Fifth Third personal mortgage, auto loan or line of credit with an outstanding principal balance3, OR
  • Are a current or former U.S. military member with monthly direct deposits totaling $500 or more4, OR
  • Participate in your employer's Fifth Third banking benefits program with monthly direct deposits totaling $500 or more4, OR
  • Are a student with a valid student ID5, OR
  • Have a Business Premium or Business Elite Checking account and have completed a relationship consent form.

Key Benefits:

  • Fifth Third Debit Card
  • Mobile Banking, Mobile Deposit, and Alerts6
  • Service Charges Waived for Savings Account(s)7
  • Unlimited Check Writing
  • Secondary Checking Account
  • Relationship Interest Rate on Relationship Savings9

Otherwise, there is an $11 monthly service charge. This charge is reduced to $8 per month with a monthly direct deposit totaling $500 or more.4

Apply for an Essential Checking Account

Essential checking account applications are simple and should take less than 10 minutes to complete. Here is what you'll need to open your new checking account:

  • 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, and reside in a state where Fifth Third operates
  • 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.

Apply Now   Find a Branch   Schedule an Appointment

Tap to pay and get on with your day.

Now you can make fast, secure and easy payments in seconds for convenient checkout.

Contactless Debit Card


Contactless Debit Card Benefits:

  • Hover or tap your contactless card at point of sale terminals where you see a contactless symbol for fast, easy, on-the-go payments
  • Allow yourself to make payments conveniently and get on to what matters most
  • Easily track purchases with our Mobile App or Online Banking
  • Get cash at more than 50,000 fee-free ATMs11
  • Eligible for cash back rewards with Prewards®12
  • $0 Annual Fee11

Online Banking and Online Bill Pay

  • Fast, free and secure
  • View all your Fifth Third Bank accounts in one place, any time
  • Online and mobile statements available

Learn More

Access to more than 45,000 fee-free ATMs

Access to more than 50,000 fee-free ATMs11

  • Withdraw or deposit whenever you want
  • Faster and easier than going in the bank
  • PIN required, to keep your money safe

Find a Branch

Monthly Service Charge Waived on Savings Accounts

Monthly Service Charge Waived on Savings Accounts7

Our savings accounts offer:

  • Competitive Interest Rates8
  • Easy access to your money
  • Security of FDIC Insurance
  • More value for your total relationship with us
  • Relationship Interest rate on Fifth Third Relationship Savings9

Learn More

Exclusive Prices on Identity Theft Protection

Exclusive Prices on Identity Theft Protection10

  • $4.95 monthly discount on Fifth Third Identity Alert®, for a net cost of $7/month
  • $6.95 monthly discount on Fifth Third Identity Alert Premium®, for a net cost of $10/month

Learn More

Momentum App screenshot on phone

A NEW way to help pay down your student loans!

NEW! Fifth Third Momentum® app automatically rounds up your debit card purchases and applies that amount to your student loan balance. Use the app to make small payments now which can help make a BIG impact. Connect the app to your free checking account and get a jumpstart on paying off your student loans.

  • Easily sign up and make payments
  • Help reduce stress related to student loan debt
  • Save on interest
  • Pay down student loans faster!

Download the Fifth Third Bank App now:

Google PlayApple Store

Additional Resources