Fifth Third Bank
Fifth Third Bank Momentum Checking $300 Bonus
Fifth Third Bank pays you $300 when you open a Momentum Checking account by September 30, 2026 and receive payroll or government direct deposits totaling $500 or more within 90 days. No monthly fee and no minimum deposit to open. The bonus posts within 10 business days of qualifying. Available in the 14 states where Fifth Third operates.
- Bonus amount
- $300
- Expires
- Sep 30, 2026
- Time to complete
- ~90 days
- Bonus deposited in
- ~104 days
- Difficulty
- Easy
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Requirements
Last verified: Aug 21, 2026
Open an account
Open a Fifth Third Momentum Checking account by September 30, 2026 from the offer page. The offer is applied automatically when you apply online, or enter your email on the offer page to get a code for opening at a branch.
Receive $500 in direct deposits
Make qualifying payroll or government-issued direct deposits totaling $500 or more within 90 days of account opening.
Fifth Third deposits the $300 within 10 business days of completing the qualifying direct deposits.
Account Details
Keep the account open and in good standing until the bonus posts.
Eligibility
New customers only. Not eligible if you have ownership in an existing Fifth Third checking account, or in one that closed within the last 13 months.
Tips & Gotchas
- →Apply online from the offer page and the offer is applied automatically. For a branch visit, enter your email on the offer page first to get your code. The code must be presented at account opening to receive the bonus.
- →Fund the account within 90 days of opening or Fifth Third may close it and you may lose bonus eligibility.
- →The offer terms specify payroll or government-issued direct deposits, so plan on a paycheck or benefit payment rather than a bank transfer.
- →New customers only: you cannot own an existing Fifth Third deposit account or one closed within the last 13 months.
- →This offer page has ranged from $250 to $400 over time. If you are not in a hurry, it can be worth waiting for a higher amount.
- →No overdraft fees are assessed in the first 90 days after opening.
Direct Deposit Data Points 206
206 community reports across 37 transfer sources, showing what triggers a qualifying direct deposit at Fifth Third Bank.
Can You Earn This Bonus Again?
Fine Print
Provide the offer code and open a Fifth Third Momentum Checking (or Preferred checking) account by 9/30/2026, then make qualifying payroll or government-issued direct deposits totaling $500 or more within 90 days of account opening. Fund the account within 90 days or it may be closed. The bonus is deposited within 10 business days of completing the qualifying activities. Account must be open and in good standing. New customers only: no ownership in an existing Fifth Third deposit account or one closed within the last 13 months. Limit one promotional offer per customer per year. Bonus may be reported on IRS Form 1099-INT.
Taxable income · Reported on 1099-INT
Related Articles
What is a direct deposit?
An electronic payment sent directly into your bank account, usually from an employer or government.
Does Zelle Count as Direct Deposit for Bank Bonuses?
Usually no. At most banks a Zelle payment arrives coded as peer-to-peer and will not trigger the bonus. Citi is the clear exception. Its Enhanced Direct Deposit terms name Zelle as a qualifying deposit, and every Zelle report we have from Citi got paid.
What is rechurning?
Opening an account at the same bank again after a waiting period to earn the bonus a second (or third) time.
Also see: this month's best bank bonuses and community DD data points.
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