Fifth Third Bank

Fifth Third Bank Momentum Checking

This bank doesn't currently have an active bonus. Here's its offer history.

$300Jul 10, 2026 – Oct 1, 2026Expired

$350Mar 9, 2026 – Mar 31, 2026Expired

What you can open instead

These banks are paying a bonus right now on the same kind of account.

Dedham Savings

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$250 – $750

Verve, A Credit Union

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$600

FourLeaf Federal Credit Union

Free Checking · Nationwide

$550

Direct Deposit Data Points 217

217 community reports across 39 transfer sources, showing what triggers a qualifying direct deposit at Fifth Third Bank.

Showing 215 of 217 reports

View all Fifth Third Bank direct deposit data points →

How long until the bonus posts? The most recent community reports average about 5 days. See 161 reports on Fifth Third Bank Checking payout timelines →

Account Details

Monthly feeNo monthly fee

Min. hold periodNo minimum

Keep the account open and in good standing until the bonus posts.

Credit inquirySoft pull only

ChexSystemsThe bank does not publish whether it screens banking history. Ask before you apply.

AvailabilitySelect states (AL, CA, FL, GA, IL, IN, KY, MI, NC, OH, SC, TN, TX, WV)

Eligibility

Minimum age18+

Existing customersNot eligible

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.

Can You Earn This Bonus Again?

Can rechurnYes

Cooldown396 days

NotesFifth Third limits promotional offers to one per customer per calendar year, and you cannot have owned a Fifth Third checking account that closed within the last 13 months.

What is rechurning?

Opening an account at the same bank again after a waiting period to earn the bonus a second (or third) time.

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Do Bank Bonuses Show Up on a 1099-INT?

Yes. Bank bonuses are taxable income. Once you earn $10 or more from a single bank in a calendar year, the bank sends a 1099-INT and you report it as ordinary income on your tax return.