Earn a $200 bonus for a new personal checking account with this offer from Fifth Third Bank. Full details below!
Fifth Third Bank $200 Checking Offer

How To Earn The Bonus:
- Get your offer code from the promotional page following the link below. Your $200 offer code will be automatically applied when you click “Open an Account” or enter your email address.
- Open a new checking account by the expiration date.
- Make direct deposits totaling $500 or more within 90 days of account opening.
- Where it’s available: FL, GA, IL, IN, KY, MI, NC, OH, PA, TN, and WV
Expires January 7, 2024
Fifth Third Bank was established in 1865 and is headquartered in Cincinnati, Ohio. They have grown to over 1,200 locations and have offices in the following states: FL, GA, IL, IN, KY, MI,NC, OH, PA, TN, and WV.
- Update 10/2/2023: The bonus offer increased from $150 to $200 and extended through 1/7/2024.
- Update 8/21/2023: $150 promotion has ended.
- Update 8/1/2023: Promotion has been reduced to a $150 welcome bonus.
- Update 7/3/2023: $225 promotion has been extended through 9/30/2023.
- Update 6/6/2023: Offer has decreased to $225.
- Update 4/10/2023: Offer has extended to 6/30/2023 and decreased to $275.
- Update 12/21/2022: Offer has been extended to 3/31/23 and increased from $250 to $325.
How To Earn The Bonus
Open a new checking account and set up direct deposit to earn this bonus from Fifth Third Bank.
Here are the details:
- Get your offer code from the promotional page following the link below. Your $200 offer code will be automatically applied when you click “Open an Account” or enter your email address.
- Open a new checking account by the expiration date.
- Make direct deposits totaling $500 or more within 90 days of account opening.
Waive The Monthly Fee
First Third Momentum® Checking:
This checking account has no monthly service fees
Fifth Third Preferred Checking®:
- Service charges waived if you achieve a combined total balance of at least $100,000 across your deposit and investment accounts one time per month.
- Otherwise, it’s $25 per month.
READ MORE: GET TOP BONUSES FROM CHASE, AXOS, BANK OF AMERICA, TD BANK AND BMO BANK.
Fine Print
- To qualify for the $200 checking bonus:
- Provide the offer code
- Open a Fifth Third Momentum® Checking or Preferred checking account
- Make direct deposits totaling $500 or more within 90 days of account opening
- Account(s) must be funded within 45 days of account opening or account may be closed,and you may not be eligible for the bonus.
- The $200 checking bonus does not require any additional activities.
- A qualifying Direct Deposit is an Automated Clearing House (ACH) credit, which may include payroll, pension, or government payments (such as Social Security).
- The cash bonus will be deposited into your new account within 10 business days of completing qualifying activity requirements.
- Your checking account must be open and in good standing to receive the cash bonus.
- The offer is not available to existing Fifth Third checking customers or those with a Fifth Third Checking account that has been closed within the last 13 months.
- The 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.
- Account must be funded within 45 days of account opening.
- No minimum deposit is required to open a checking account.
- The bonus may be taxable as interest income and reported on IRS Form 1099-INT. Consult your tax advisor.
- A unique offer code must be presented at account opening to receive the bonus.
- See your banker for details.
- The offer is not valid with any other offer.
- Offer availability is subject to change.
READ MORE: GET THIS $200 PROMOTION FROM CHASE BEFORE IT’S GONE
Account Features
Fifth Third Momentum® Checking
Here are the key features of the Fifth Third Momentum® Checking account:
Account Details:
- Fifth Third Bank’s featured, most popular checking account
- No monthly service charge, it’s a free checking account
- No minimum balance required
- No minimum deposit to open your account
- Fifth Third Extra Time® allows additional time to make a deposit and avoid over-draft fees (until midnight ET the next business day)
- No Overdraft Protection transfer fee
Key Benefits:
- Unlimited check writing
- 24/7 mobile and online banking
- Early Pay feature allows you to receive your paycheck up to two days early without a fee1
- MyAdvance® offers a cash advance on your next qualified deposit2
- Extra Time® helps you avoid overdraft fees3
Fifth Third Preferred Checking®
Here are the key features of the Fifth Third Preferred Checking® account:
Account Details:
- Service charges waived if you achieve a combined total balance of at least $100,000 across your deposit and investment accounts one time per month;
- Otherwise, it’s $25 per month.
Key Benefits:
- Unlimited check writing
- Secondary checking account
- Better loan rates
- Complimentary Fifth Third Identity Alert®4
- Online bill pay
- Interest checking
- No ATM fees in the U.S. (Limit 10 per month)
- Complimentary Fifth Third Exclusive personal checks
- Exclusive rates on Fifth Third loans
- 24/7 dedicated customer service line
- Complimentary checks, notary services, money orders, and cashier’s checks
- Complimentary 3 x 5 safe deposit box or discount on larger size
- Conveniently manage your account online
READ MORE: GET THIS WELCOME BONUS FROM BANK OF AMERICA WHILE IT LASTS
Bottom Line
These personal checking offers from Fifth Third are always quite popular.
This one provides a $200 bonus to new customers who open a Fifth Third Momentum® Checking or Preferred checking account, and make qualifying direct deposits within 90 days of account opening.
The account must be funded within 45 days of opening, remain in good standing, and the user must not have closed a Fifth Third Checking account in the last 13 months.
As usual, the bonus may be considered taxable interest income.
See more from Fifth Third:
- Fifth Third Bank $500 Business Checking Bonus [FL, IN, NC, TN, GA, KY, OH, WV, IL, MI, SC] – Ends 9/8/23
- TRIO Credit Card by Fifth Third Bank $100 Bonus Cash
READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.
Deposit and credit products by Fifth Third Bank, National Association. Member FDIC.
1 Early Pay is available for Fifth Third Momentum® Checking accounts only. Early Pay grants you access to your eligible direct deposit payments up to two days prior to the scheduled payment date. Early access to funds is dependent on submission of direct deposit by payer and standard fraud prevention restrictions.
2 Fifth Third MyAdvance® is an expensive form of credit. We may be able to offer other options that are less expensive and more appropriate for your needs. MyAdvance is a short-term form of credit that allows eligible Fifth Third personal checking customers to take an advance on their next qualified direct deposit. The monthly credit limit calculation for a MyAdvance line of credit opened 90 days or less is based upon qualified direct deposits from the previous 35-day period. The monthly credit limit calculation for MyAdvance line of credit opened 91 days or more is based upon whichever amount is lowest; The total amount of qualified direct deposits during the previous 35-day period or the average amount of all qualified direct deposits made to the associated account during the past three (3) months. The minimum credit limit amount is $50 and the maximum is $1,000. Your Limit may change if your direct deposit activity changes. A 5% cash advance fee will be assessed for each advance during the first 18 months after enrollment and 3% cash advance fee for each advance after the first 18 months after enrollment. Additional terms and conditions apply.
Fifth Third MyAdvance® is an expensive form of credit and should only be used in situations where you need funds quickly and you do not have access to less expensive forms of credit.
3 Fifth Third Extra Time gives you longer—anytime before midnight ET on the business day after your account is overdrawn—to make a deposit that brings your available balance to at least $0. You must deposit enough to cover all items that caused your overdraft plus any outstanding checks, automatic payments, or pending debit card purchases that may be presented that business day. Extra Time does not apply to items that are returned unpaid.
A Returned Item is a check that has been returned to a depositor because it could not be processed against the check originator’s account. Deposited items can be returned for many reasons, such as insufficient or unavailable funds, stop payment, closed account, questionable or missing signature, etc.
4 The benefits in Fifth Third Identity Alert® are provided by Fifth Third’s vendor, Trilegiant. They are optional and not FDIC insured.
How soon after receiving the bonus offer should I leave the account open? I’m banking with 5th 3rd
i just opened a savings acct on Jan. 7th 2021.. just added a direct deposit today ( 01/12/21) … Any deals to go with that ? – it will be 2,000 added every month.
That is at the Fifth Third Bank…..
53rd not honoring the Check promotions in Illinois. Is there a code I can use? Thanks
how do i get a code for Fifth Thirds $250 checking bonus
Fifth Third bank are no longer in Missouri
Keely, thanks for the update!
just opened a new acct on line they did not offer any promotions
will i get something for getting a friend to open an account w 53rd bank?
I got bonuses for two business checking accounts (two businesses, different employer ID numbers).
(I did get hit with a surprise fee on the personal checking. They charge $10 for a debit card cash advance, but no fee if same thing done on business account)
Personal checking bonus is back, now $200. https://pages.offers.53.com/semcblp/
Sweet! Thanks Steve.
Hi Tony,
Fifth Third closed my personal checking for inactivity. This gave me the opportunity to open it again; $250 bonus with no direct deposit requirement is great! Very painless to open online (thanks to existing login).
I’m hoping their business checking bonus comes around again.
btw have you seen Capital One 360 money market savings offer?
https://www.capitalone.com/moneytalks/
Steve
Sweet! And thanks for the heads up Steve. Cheers.