Last Updated: 01/21/2026
Fifth Third Essential Checking
Unaffiliated
in Checking Accounts from Fifth Third Bank
Last Updated: 01/21/2026
SuperMoney User Recommendation Score +10
Mostly recommended10 total votes
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Highlights
Community Rating
Mostly recommended
Welcome Offer
Starting at $0(Verified 06/21/2024)
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Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.01%(Verified 06/21/2024)
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Monthly Service Fee
$0 - $11(Verified 01/21/2026)
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Number of Reviews
Fifth Third Essential Checking Review
The Fifth Third Essential Checking is offered by Fifth Third Bank, a bank founded in 1858 and based in Cincinnati, OH. Fifth Third Essential checking is available in 10 states.
Key Takeaways
- Low annual percentage yield (APY). The maximum annual percentage yield for this account is only 0.01% .
- Charges a monthly fee. This account charges a monthly fee of up to $11.
- No minimum initial deposit. There is no minimum balance required to open an account online.
- No ATM fees. Fifth Third Essential Checking does not charge fees on ATM transactions within its network but there is a fee of $2.75 for out-of-network ATM transactions .
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in Fifth Third Bank mobile or online banking.
Fifth Third Essential checking Pros & Cons
| Pros | Cons |
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Fifth Third Essential checking FAQ
Are checking accounts from Fifth Third Bank federally insured?
Yes, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.
What APY does Fifth Third Essential checking offer?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| APY (Annual Percentage Yield) | 0.01% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Fifth Third Essential checking offers an APY of 0.01% (APY stands for annual percentage yield, rates may change).
What are the account minimums for Fifth Third Essential checking?
Fifth Third Essential checking does not require a minimum initial deposit.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Combined Balance to Avoid Monthly Maintenance Fee | Starting at $1,500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Fifth Third Essential checking charge?
This account charges a monthly maintenance fee each statement cycle of up to $11.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 - $11 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | Starting at $2.75 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $37 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $37 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Early Account Closure | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $33 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Image Service | Starting at $2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Copy | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $85 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (International) | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Fifth Third Essential checking charge overdraft fees?
Yes, Fifth Third Essential checking charges a $37 fee for every overdraft.What features and perks does Fifth Third Essential checking offer?
This account includes the following features:
- Check images with statement - Reconciling your accounts and complying with document retention standards is easier when you have access to a copy of your checks.
- Fraud monitoring - Fifth Third Essential checking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - Fifth Third Essential checking allows you to manage your money online or with a mobile app. This includes depositing checks1 in your account with a mobile app on your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
What is the customer support email for Fifth Third Essential checking?
The customer support email for Fifth Third Essential checking is info@53.com.
How do people rate the customer service and user experience of Fifth Third Essential checking?
Overall, Fifth Third Essential checking is mostly recommended based on community reviews that rate customer service and user experience.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Contact
Headquarters
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of +10, or 3.2 on a 5-point rating scale.
+10
-1000+100
No one recommends
Everyone recommends
Fifth Third Essential Checking Community Reviews
Would you recommend Fifth Third Essential Checking to your friends?
PL
Patricia L.
Apr 21, 2023
May or may not recommend
This account is wonderful in terms of helping me keep up with the money that goes in and out of the checking account.
If I have any problems, I have customer service to help me.
Pros: Online banking and the mobile banking app are easy. I am amazed at how much I can budget without running into problems. I also have Momentum Savings, which also helps as well. ...Show More
AS
Aaron S.
Aug 1, 2022
May or may not recommend
We have had Fifth Third Bank for going on 15+ years. Their service has always been outstanding and there is nothing negative that I can say about their products. Some of their products have fees but the fee structure I believe has always been straightforward. Their physical banking centers have been great to work with.
U
Anonymous
Jul 26, 2022
May or may not recommend
The $375 signup bonus Fifth Third Bank is currently offering is the highest one I was able to find from any bank. Great incentive to signup.
CG
Catherine G.
Jan 6, 2021
May or may not recommend
I opened my account in 2018 never had a overdraft fee. Suddenly in January 2020 everY other night I’m getting overdraft notices. My app balance was not the same as the atm machine. They canceled my account in February so I stopped making deposits. Pending charges were posted and I kept paying. An agent in the store told me the account wasn’t closed and issued me a new card. Very ...Show More
EC
Emily C.
Oct 10, 2020
May or may not recommend
Overall, I would recommend FifthThird Bank for personal use (checking/savings accounts). My mother worked for FifthThird Bank growing up, so naturally I was a customer at an early age. However, my mother left the company when I was in my mid-20's, so I had to decide whether to stay with this bank or make a change to another entity. Utilizing FifthThird Bank's services was generally easy and I found their ...Show More
TM
Thomas M.
Sep 7, 2020
May or may not recommend
5/3 bank is one of the bigger banks out there, but they make you feel like part of the family. The bank offers several personalized checking and saving options, as well as a variety of other financial products. And it is FICO protected of course. The bank tellers will work with you on choosing the right ones for your situation. The best part is the mobile app, which allows you ...Show More
U
Anonymous
Aug 22, 2020
May or may not recommend
Fifth Third allowed over 50 fraudulent charges against my debit card within about one hour. I rarely use my card more than twice a day. Now i am out $500 until they determine I was not the person scamming myself. They sent me only 2 transaction alerts although I had signed up for alerts for any purchases over $5.00. I cannot wait until Monday to open ...Show More
AS
Andrew S.
Aug 10, 2020
May or may not recommend
I set up a checking account a few months back because of a good bonus they were offering ($250 dollars for keeping in $500 for 90 days). Their app is very easy to use, and I was able to set it up so that it alerted me right away when the bonus money came through. My only complaint is that I asked for a debit card to go along with ...Show More
JP
Jacquatte P.
Mar 24, 2020
May or may not recommend
I win 1.4 million dollars an i put my money in fifth Third bank an bye me being so young they was taking advantage of me an was stealing my money I called on them about it but she was already fired an they not trying to give me my money back so I’m finna call my lawyer cuz I was wondering how my money just kept disappearing
DK
Denise K.
Jan 17, 2019
May or may not recommend
Cashed business checks for 7+ years, then noticed a digit was missing and stopped all further processing of checks, thus halting our business. No other alternatives (counter checks, cashier's checks) were offered - only to let them order replacement checks and wait two weeks for them to come in. Went in to close business checking and savings accts (open for 7-8 years) and charged us $25 per account to close. ...Show More
Showing 10 of 10 reviews
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