Fifth Third Bank

Follow spending and savings together

Set a saving goal and decide whether to add money yourself or use automatic contributions. The cash-flow view shows large transactions, leading spending categories and average daily spending. You can also look back through up to 24 months of account history.

Low-balance and upcoming-payment alerts help you follow scheduled bills alongside current account activity. The mobile app also provides cardless access at supported Fifth Third ATMs.

Momentum Checking fees

The account has no monthly service charge, minimum opening deposit or ongoing minimum balance. An account with no deposits or withdrawals for 12 months incurs a USD 5 monthly dormant-account fee. Foreign transactions can also carry charges, so the absence of a maintenance fee does not make every use free.

Fifth Third's Extra Time feature allows a qualifying deposit by midnight Eastern Time on the next business day to avoid an overdraft fee.

Opening an account

Use Open Your Account on the Momentum Checking page or arrange a branch visit. The bank's student guidance permits online individual applications from age 18; applicants aged 13 to 17 need a parent or guardian at a branch. Once enrolled in digital banking, the website and app provide the account-history and goal tools.