All bonuses
Fifth Third Momentum® Checking
Personal Checking
CheckingEligible: OH, KY, IN, MI, IL, TN, GA, FL, NC, SC, WVExpired
Fee-free checking with a $400 payout after $4,000 of direct deposits in 90 days.
Your personalized eligibility
Check eligibility
Set up your profile to check eligibility
Add your state, bank relationships, and bonus history to see which rules could disqualify you.
Requirements at a glance
- Direct deposit minimum
- $4,000
- Balance requirement
- None
- Minimum holding period
- 90 days
- Estimated effort
- Low effort
- Monthly fee
- No monthly fee
- Offer expires
- 9/22/2026
Fee waiver: No monthly service charge on Momentum Checking.
Step-by-step qualification
- 1Open Momentum Checking with the promotion code in an eligible state.
- 2Receive $4,000 in cumulative direct deposits within 90 days.
- 3Bonus is paid after the qualification window closes.
Payout timeline
Day 0-90
Direct deposits accumulate.
Day 128
Bonus deposited within 38 days.
Fine print traps to avoid
- Account must remain open with a positive balance at payout.
- Existing Fifth Third checking customers are excluded.
- Taxable as interest.