Free Checking AccountFifth Third Momentum® Checking

"My 1st Early Pay... I love the convenience of it!"  - Josh
"I got paid early yesterday and it was just lovely!"  - @pickledolls

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
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 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
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!

Why Fifth Third?

check mark iconExperienced

We've been helping people manage their money since 1858.

check mark iconAccessible

We have branches in 11 states, with more than 1,200 full-service locations.

check mark iconConvenient

You can avoid fees at over 40,000 partner ATMs nationwide.5

check mark iconCommitted

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

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.