Free Online 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.
Why Choose Our Free Checking Account?
Free Checking—No Hidden Fees
Get more from your checking account. Fifth Third Momentum® Checking gives you what you need from a checking account and a whole lot more. The best part? It’s free.
Fraud Protection and Security
We work hard to keep your personal information safe with threat blocking, live support, smart alerts, and trends & monitoring.
Online and Mobile Banking
With online and mobile banking, you can open an account and manage your day-to-day banking needs while on the go.
Everyday Rewards and Benefits
Fifth Third Momentum® Banking makes your everyday better with a nationwide network of no-fee ATMs5, contactless pay and money when you need it.
Special Perks with Fifth Third Momentum® Checking!
Extra Time to help avoid overdraft fees3
24/7 access to cash advances
with MyAdvance®4
Get paid up to 2 days early for free
with Early Pay2
Get Started Today!
Open an Account
Why Fifth Third?
Experienced
We've been helping people manage their money since 1858.
Accessible
We have branches in 12 states, with over 1,000 full-service locations.
Convenient
Access to a nationwide network of fee-free ATMs.5
Committed
We are dedicated to making positive change in the communities where we work and live.
Access a nationwide network of no-fee ATMs5
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:
- Withdraw or deposit whenever you want
- Faster and easier than going in the bank
- PIN required, to keep your money safe
Fifth Third Momentum® Checking Account FAQs
Thinking about opening a free checking account? Here are answers to frequently asked questions.
Additional Resources

5 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.
