Free Checking Account Fifth Third Momentum® Checking

A man smiles with his arms crossed after getting paid early using Early Pay from Fifth Third Bank.

Benefits you can bank on.

There’s a lot to love about 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 to your eligible payroll direct deposits up to 2 days early with free Early Pay2
  • Immediate Funds to instantly access your check deposit (fees apply)4
  • Help from local bankers at every step
A girl on a phone

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 blue contactless debit card from Fifth Third Bank.

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

A thumbs up signal for no minimum balance with Fifth Third Momentum Checking.

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.

Life throw a curve ball? We'll help you catch it. Unexpected expense? Accidentally take too much out of your account? Don’t worry. We’ve got your bases covered. You can get a cash advance—for a small fee—on your next qualified deposit with MyAdvance®4 and avoid overdraft fees with Extra Time.®3

You've got 50,000 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:

  • Withdraw or deposit whenever you want
  • Faster and easier than going in the bank
  • PIN required, to keep your money safe
A blue Fifth Third Bank ATM.

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!

Fifth Third Momentum® Checking Account FAQ.

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