Earn a $400 bonus when you open an eligible Fifth Third Bank checking account with qualifying activities. Here’s how:

Open a new checking account.
Make direct deposits totaling $500 or more within 90 days of opening an account.
You’ll get $400 within 10 business days of making your qualifying deposits.

You can open the account online through the promotion’s landing page, or choose instead to enter your email address to receive a unique code that you can take into your local branch.

Update 12/19/25: The offer has increased to a $400 bonus (from $350) through 1/7/25.

Many readers have reported receiving their bonus just days after the qualifying deposit is posted.

Table of Contents

Fifth Third Bank $400 Checking Bonus

What you’ll get: $400 bonus
Account Type: Momentum^® Checking or Preferred checking account
Availability: FL, GA, IL, IN, KY, MI, NC, OH, SC, TN, VA
Credit Inquiry: Soft Pull
Credit Card Funding: No
Monthly Fee: $0-$25, waive-able
Household Limit: None
Closing Account Fee: None listed

Learn More at Fifth Third Bank

(Offer Expires 01/07/2026)

How To Waive Monthly Fees

Momentum® Checking Account: The Fifth Third Momentum checking account has no monthly service fees or minimum balance requirements to worry about.
Preferred Checking Account: The Fifth Third Preferred checking account has a $25 monthly service fee that can be waived if you:
- Achieve a combined total balance of at least $100,000 across your deposit and investment accounts one time per month.

Account Benefits and Perks

NO hidden fees, NO minimum balance
Extra Time® to avoid overdraft fees
Peace of mind with fraud protection
Access to your eligible payroll direct deposits up to 2 days early with free Early Pay
Immediate Funds^SM to instantly access your check deposits (fees apply)
Help at every step from local bankers
Open a new account in minutes

Fine Print

To qualify for the $400 checking bonus, provide the offer code, open a Fifth Third Momentum® Checking, or Preferred2 checking account by 1/7/2026 and make qualifying payroll or government issued direct deposit(s) totaling $500 or more within 90 days of account opening.
Account(s) must be funded within 90 days of account opening or account may be closed, and you may not be eligible for the bonus.
The $400 checking bonus does not require any additional activities.
The cash bonus will be deposited into your new account within 10 business days of completing qualifying activity requirements.
In order to receive the cash bonus, your checking account must be open and in good standing.
Offer is only available for new customers who do not have any ownership in an existing Fifth Third checking account or a Fifth Third checking account that closed within the last 13 months.
Bank reserves the right to limit each customer to one new account-related gift incentive per calendar year.
Eligibility may be limited based on your account type and ownership role.
No minimum deposit required to open a checking account.
Bonus is considered income and may be reported on IRS Form 1099-INT, 1099- MISC, or 1042-S, as required by applicable law.
UNIQUE OFFER CODE MUST BE PRESENTED AT ACCOUNT OPENING TO RECEIVE THE BONUS.
See your banker for details.
Not valid with any other offer.
Offer availability subject to change.