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

Checking for Everyday Life

Free Checking—For Real!

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.

You’ve Built It, We’ll Protect It

We work hard to keep your personal information safe with threat blocking, live support, smart alerts, and trends & monitoring.

Bank Wherever You Go

With online and mobile banking, you can open an account and manage your day-to-day banking needs while on the go.

Making Life Better, Every Day

Fifth Third Momentum® Banking makes your everyday better with 40,000 Fee-Free ATMs1, contactless pay and money when you need it.

Fast, FREE and Just for You

With direct deposit into a Fifth Third Momentum® Checking, you’ll get your federal tax refund up to five days early—for FREE with Early Pay.2

Save 10% on TurboTax®7

Here's one more perk of being a Fifth Third customer: access to an 10% discount on TurboTax.

Get Special Perks with Fifth Third Momentum Banking®!

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Extra Time to help avoid overdraft fees2

Early Pay Icon

Get paid up to 2 days early for free
with Early Pay

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24/7 access to cash advances
with MyAdvance®4

Benefits You Can Bank On

Fifth Third Momentum® Checking comes with all the banking services you rely on to make your life easier every day:

  • No hidden fees, no minimum balance5
  • A contactless debit card
  • Fraud protection6
  • 1,000+ financial centers 
  • Help from local bankers

Get Started Today!

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:

    • 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

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.