Free Checking Account

A checking account can often be the foundation of your finances. Fifth Third offers a variety of account options including a free checking account. Many Banks with free checking accounts do not include the benefits Fifth Third Free Checking offers.

No monthly service charge. Period.

  • No minimum deposit to open your account1
  • No minimum balance required
  • No monthly service charge, period

Key Benefits of Free Checking:

  • Fifth Third debit card
  • Mobile Banking, Mobile Deposit, and Alerts2
  • Access to more than 50,000 fee-free partner ATMs3
  • This account is currently only available in select markets.

Apply for a Free Checking Account

Open up a free 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.

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 ATMs3
  • Eligible for cash back rewards with Prewards®5
  • $0 Annual Fee6

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 about Online Banking and Online Bill Pay

Learn More about the Fifth Third Mobile Banking App

Access to more than 50,000 fee-free ATMs3

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

Find a Branch

Exclusive Prices on Identity Theft Protection4

  • $3.95 monthly discount on Fifth Third Identity Alert®, for a net cost of $7/month
  • $5.95 monthly discount on Fifth Third Identity Alert Premium®, for a net cost of $10/month

View Identity Theft Protection options

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

Free Checking Account FAQs

Thinking about opening your free checking account? Here are answers to frequently asked questions.

Additional Resources