Fifth Third Bank

Apply NowFifth Third Preferred Program

The Fifth Third Preferred Program is a comprehensive banking relationship with superior, dedicated service for your financial needs, along with special savings and rewards.

Our unique approach offers the opportunity to have your own Fifth Third Preferred Banker as well as an Investment Professional, who will work together to provide you with professional guidance and preferred products, pricing, and rates — including special interest rates on your checking account. They'll be your advocates, meeting with you as needed to assess your changing circumstances, life stages, and goals.

We're committed to providing our Preferred Program members with reasoned, objective financial guidance that will help prepare you for whatever your life's journey may bring.

Premium Banking1

Preferred Checking Account9

  • The Preferred Checking account improves the return on your money, with exclusive, high-yield checking rates that don’t require moving money from checking to savings. View Rates10
  • Preferred Checking comes with free checks,2 free notary services, and no fees for cashiers’ checks or travelers checks.3 There is no charge from Fifth Third Bank for using other banks’ ATMs, and fees from other ATM network owners will be rebated back to you on the same day— up to 10 times per month.4

Fifth Third World Debit MasterCard®

  • The Fifth Third Bank World Debit MasterCard® offers a higher level of security features, plus access to more retail discount offers and savings
    • Privileged Access to the MasterCard Savings Plus™ program (a $29.95 value): Enjoy savings of as much as 20%-50%, along with other benefits at your favorite retailers5
    • Price Protection: If you find something priced lower than what you paid with your World Debit MasterCard within 60 days, we'll pay the difference
    • Exclusive Benefits: Receive access to hotel upgrades, premium offers, and exclusive events through

Preferred Program Visa Signature® Credit Card8

  • Your exclusive Preferred Program Visa Signature® Credit Card with complimentary 24/7 concierge service, travel packages, access to once-in-a-lifetime events, no pre-set spending limit, and in-store and online discounts at favorite retailers
  • Great introductory rate, year-end summary statement, and no annual fee

Investment Services offered by Fifth Third Securities

  • Advice and Guidance

    Your dedicated Investment Professional can help you by:

    • Assessing your situation and understanding your objectives
    • Developing an approach that addresses key considerations, such as risk tolerance, time horizon, and goals
    • Accessing a broad range of financial tools to assist you in implementing your strategy
    • Reviewing your progress with you periodically, to help you stay on track
  • A Full Range of Resources

    Your Investment Professional has additional access to a team of specialists who will serve your financial and investment needs. You can take advantage of products and services such as:

    • Stocks, bonds, mutual funds, exchange-traded funds, and annuities
    • Individual and business retirement accounts
    • Managed money, with an investment process built around your unique needs
    • Educational strategies

    Additionally, as a Preferred Program member you’ll enjoy benefits like:

    • No Annual Custody and Recordkeeping Fee on brokerage accounts†
    • Reimbursement for up to $75 in "transfer-out" fees††
    • No "transfer-in" fees†††
  • Insurance††††
    • Life, disability, and long-term care insurance
    • Business succession and employee retention planning
    • Wealth transfer planning
    • Estate Planning†††††
    • Complimentary life insurance review

Fifth Third Identity Alert

Fifth Third Identity Alert6 helps you maintain control of your identity with 24-hour daily credit monitoring, fraud resolution, and more. Learn More.

  • Monthly fee waived6 for Preferred members

Anniversary Rewards Points

  • For each year you are enrolled in the Preferred Program, you will receive 1,000 anniversary Real Life RewardsSM points. Anniversary points will be awarded each January. Points will grow incrementally each year (Year 1 – 1,000 points, Year 2 – 2,000 points and so on) with a cap of 10,000 points per year after year 10. It’s our simple way of saying 'Thank You' for being a Preferred Program member. You can redeem your points at


  • Special discounts are available to Preferred members for long-term savings
  • Your Preferred Banker can assist you with new loans or refinancing

Consumer Loans and Lines of Credit1,8

  • Special rate discounts exclusively for Preferred Program members for Home Equity and Non-Equity Flexlines; Home Equity and Non-Equity Installment Loans; Easy Home Refi Loans; Vehicle Loans, including auto, truck, motorcycle, RV, and boat loans.

Safe Deposit Box

  • Free 3” x 5” safe deposit box or discount on larger-size box

Apply for a Fifth Third Preferred Checking Account

The simple online application process should take approximately 15 minutes to complete. Read the Application Checklist for an overview of the application and what you will need to apply.

It's Easy to Switch to a Fifth Third Preferred Checking Account

Open a Fifth Third Preferred Checking Account, and then simply download, print and complete these forms:

Preferred Program Guidelines

Preferred Program Guidelines

These Guidelines describe the provisions regarding participation in the Preferred Program. Other terms applicable to particular product offerings or benefits within the Preferred Program are still applicable, including, without limitation, the Rules and Regulations applicable to all deposit accounts and loan agreements. These guidelines do not supersede those terms.

Program Qualifications

In order to qualify for the Preferred Program, a combined account balance equal to or greater than $100,000 must be maintained. A combined account balance is considered to be the sum of all checking, savings, money market deposit accounts, bank (FDIC) and brokerage** IRAs, certificates of deposit, investment management accounts, annuities**, and brokerage** balances for accounts for which any owner of the Preferred Checking Account has a primary ownership interest. Preferred Program Members must open a Preferred Checking Account to enroll and remain in the Preferred Program. Closing or converting the Preferred Checking account into another checking account type will result in disenrollment from the program.

Program Products and Benefits

There is no additional fee for participation in the Preferred Program if a balance equal to or greater than $100,000 is maintained.

Specifics of products and benefits available to Preferred Program Members are detailed in separate documentation and may be subject to specific terms. Participation in the Preferred Program does not guaranty any extension of credit to Preferred Program Members.

Falling Below Program Requirements

  • Upon enrollment, either through opening a new Preferred Checking account or transferring from an existing checking product into Preferred Checking, a customer is given 60 days to bring balances up to the minimum requirement of $100,000. This is the grace period. There are no service charges assessed during this grace period.
  • After the account moves beyond the grace period, the Preferred Checking account may be subject to a monthly maintenance fee, assessed on the account’s statement cycle date.
  • If the combined balances have been below $100,000 for the 35 consecutive days prior to the statement cycle date, Fifth Third will assess the monthly maintenance fee against the Preferred Checking balance when the account cycles. NOTE: The monthly maintenance fee is $25.
  • If the customer’s balances are below $100,000 for more than 90 consecutive days, he/she will not be eligible to receive any “premium” benefits. Any premium benefits including, without limitation, mortgage, brokerage††, or loan discounts may be cancelled or returned to standard pricing. A customer will only retain the following benefits (“Core Benefits”) subject to payment of the monthly maintenance fee:
    • Preferred Checking Account
    • Fifth Third Identity Alert
    • Fifth Third Preferred Program Visa Signature® Credit Card
    • A Preferred Program member may voluntarily exit the Preferred Program at any time. Any benefits or product discounts received as a part of membership in the Preferred Program including, without limitation, mortgage, brokerage††, loan discounts, or debit or credit card may be cancelled or returned to standard pricing.
    • Upon cancellation, the Preferred Checking Account will be changed to a different checking account type upon notification as required by law.
    • If the customer cancels the membership and re-enrolls at a later date, benefits or products lost are not subject to reinstatement and may no longer be available.
Pricing Information & Disclosures
  1. Deposit and credit products provided by Fifth Third Bank.
  2. All standard size orders of Fifth Third custom checks are free. 25% discount on other styles.
  3. Regular fees apply for Checks for Two and Gift Checks.
  4. No charge from Fifth Third for using other banks’ ATMs. Any fees charged by the other bank are automatically rebated back to you the same day — up to 10 per month.
  5. Terms and conditions apply. See 'Terms of Use' at for further details.
  6. Fifth Third Identity Alert is a service provided by Affinion Benefits Group, LLC in conjunction with Financial Service Association.

    Membership in Fifth Third Identity Alert is included with your account for the primary owner and one joint account holder. By opening this account, you consent to the sharing of your account information, including your account number, with Affinion Benefits Group, LLC to initiate the enrollment process. In the event it is necessary to convert your plan, you consent to the sharing of your Fifth Third account information, including your account number, to complete this plan change. Should your checking account that offers the Membership for free be closed or changed to another account type in the future, your membership in Fifth Third Identity Alert will no longer be free.
  7. Mortgage products provided by Fifth Third Mortgage Company and Fifth Third Mortgage-MI, LLC.
  8. All credit loans/lines are subject to credit review and approval. Equal Housing Lender Equal Housing Lender.
  9. $50 minimum deposit required to open a new account. Accounts closed within 180 days of account opening will be charged $25. Return check and overdraft fees apply to all accounts. Fees may reduce earnings.
  10. This account earns interest. Please request a Rate Sheet for the interest rates and annual percentage yields paid on this interest-bearing account. The interest rate and annual percentage yield may change. At the bank's discretion, the bank may change the interest rate and annual percentage yield at any time on your account. Your interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Interest on your account will be compounded continuously and credited on your monthly statement date. The bank uses the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the balance in your account each day. Please call us toll free at 1-877-579-5353, or visit a Fifth Third Banking Center near you for additional details. If an account is closed before accrued interest is credited, you will not receive any accrued interest.

* Subject to terms and conditions

** Investments, variable annuities and brokerage accounts are offered through Fifth Third Securities, a wholly owned subsidiary of Fifth Third Bank. Fixed annuities are offered through Fifth Third Insurance Agency Inc., a wholly owned subsidiary of Fifth Third Bank. Fifth Third Bank provides access to investments and investment services through various subsidiaries, including Fifth Third Securities.

Fifth Third Securities is the trade name used by Fifth Third Securities, Inc., member FINRA/SIPC, a registered broker-dealer, a registered investment advisor registered with the U.S. Securities and Exchange Commission (SEC). Registration does not imply a certain level of skill or training. Securities and investments offered through Fifth Third Securities, Inc.:

Are Not FDIC Insured Offer No Bank Guarantee May Lose Value
Are Not Insured by any Federal Government Agency Are Not A Deposit

Insurance products made available through Fifth Third Insurance Agency, Inc.

† $25 annual Custody and Recordkeeping account fee for brokerage accounts will be waived.

†† When moving at least $25,000 in assets to a Fifth Third Securities or Preferred Investment Management account.

††† When you make asset transfers from other financial institutions to a Fifth Third Securities or Preferred Investment Management account.

†††† Insurance products made available through Fifth Third Insurance Agency, Inc.

††††† Fifth Third does not provide tax or legal advice. Consult with your tax advisor or attorney for advice pertinent to your personal situation.