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38 Fountain Square Plaza
Cincinnati, OH 45263

Fifth Third Bank (OH) is headquartered in Cincinnati and is the 3rd largest bank in the state of Ohio. It is also the 15st largest bank in the nation. It was established in 1865 and as of December of 2013, it had grown to 19,446 employees at 1,373 locations. Fifth Third Bank (OH) has a A+ health rating.

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Fifth Third bank is the WORST bank I have ever done business with. The will harass you NON-STOP. You can complain, but nothing ever happens. Their people are rude, insensitive robots. PLEASE save yourself from a lot of anguish. DON'T DO BUSINESS WITH FIFTH THIRD BANK. If you do, I promise you will regret it. Even if you pay all your bills on time, they will still make your life a living hell. I would gladly pay a higher interest rate to be rid off these a** clowns.

5/3 Bank Lacks Support And Friendliness To Its' Customers.

I must say, to begin I was happy with the service from 5/3.  But as time progressed, they slowly began lacking in support and help for customer support.  I was constantly finding that I was being charged for many different fees and was not alerted about many of them prior.  Ultimately, this led me to close both of my personal accounts with 5/3 and switch to a different bank.  I don't think that I would ever give them another try, nor would I recommend them to any of my friends or relatives.  I have never been happier since switching from 5/3 bank.

Not Pleased

I was very unhappy with my experience with Fifth Third.  I have been a client for some time now and when I received a $74 over draft fee. One was for 1.00 so they charged me 37.00 another for 11.00 and they charged me another 37.00. I tried to call the 800 number and the girl was not nice.  I then went to my branch and they were no help at all.  All I wanted was for them to drop the $1.00 overdraft and I would pay the other.  They would not even talk to me about it there so I canceled my account! 

I HATE Fifth Third

I've been with Fifth Third since I was 18 (in 2005) and could open a checking account. I've had a credit card with them since then (has been close to maxed out since 2008) I've made maybe 2 or 3 accidental late payments, and went over my limit once (this is out of 6 years). Recently I made that 2nd or 3rd accidental late payment, I payed the fee and crazy interest and that was that. On the 19th I made an emergency transaction and came in under my credit limit, it was posted on the 20th as my statement says. The new statement period started the 21st. When I got my new statement, it said that my credit limit was decreased and I was now over my limit. I got no warning or anything, and the purchase had been made prior to the decrease. NO WHERE on my statement before that had it said that my limit was decreased. They made my minimum payment $300 instead of the usual $100. MY TRANSACTION WAS BEFORE THE DECREASE!!!! I tried to explain this to them, and that I could not afford the $300 minimum payment, and that they decreased my limit AFTER I made the purchase!! They pretty much said FU. Not to mention I was transfered FOUR times while trying to get this resolved and everyone had a tone with me, yes I had a tone, but when you are trying to please your customers you should do it with a smile even though said customer may be pissed! I'm sure they have dealt with much worse than my "tone". 

Another time, I was trying to find a better way to save money and put all of my money into my savings account that I wasn't going to use. Unfortunatly things kept coming up and I had to keep taking out of it. I was then charge a $10 "excessive transaction fee". I went to the bank  and demanded my money and to close my accounts (this was the third time I've had an issue with them), they talked me into staying though I was still pissed! They could atleast give you a notice before they apply an "excessive transaction fees". But they don't care about the customer, they just want their money!

They recently had a class action settlement that I unfortunatly didn't take part in because I wasn't sure it was ligit and didn't feel comfortable giving out my account number. I have had three instances of their overlapping overdraft fee's etc, and have probably forked out atleast $1000 in said fees.

DO NOT USE FIFTH THIRD! They don't care about their customers, they just want your money!



Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Fifth Third Bank (OH) had $1.14 billion in non-current loans and owned real-estate with $17.29 billion in equity and loan loss allowances on hand to cover it. This gives Fifth Third Bank (OH) a Texas Ratio of 6.62% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Fifth Third Bank (OH) decreased slightly from 9.37% as of December 31, 2012 to 6.62% as of December 31, 2013, resulting in a positive change of 29.38%.This indicates that the balance sheet and financial strength for Fifth Third Bank (OH) has improved slightly in recent periods.

Deposit Growth


In the past year, Fifth Third Bank (OH) has increased its total deposits by $8.87 billion, resulting in 9.51% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Fifth Third Bank (OH) has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Fifth Third Bank (OH) has $128.19 billion in assets with $17.29 billion in equity, resulting in a capitalization level of 13.48%, which is excellent.

Institution Statistics

FDIC Certificate #6672
Year Established1865
Primary RegulatorFED
Assets and Liabilities
Assets$128.19 billion
Loans$87.85 billion
Deposits$102.15 billion
Equity Capital$15.72 billion
Loan Loss Allowance$1.57 billion
Unbacked Noncurrent Loans$844.64 million
Real Estate Owned$299.15 million
Historic Data - December 2012
Assets$119.44 billion
Equity Capital$14.92 billion
Loan Loss Allowance$1.84 billion
Unbacked Noncurrent Loans$844.64 million
Real Estate Owned$320.28 million
Profit Margin - Quarterly
Net Interest Margin3.68%
Return on Assets1.53%
Return on Equity12.18%
Interest Income$4.14 billion

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Fifth Third Bank (OH) Savings Account Rates

0.07%$50k-Fifth Third Relationship Savings
0.05%-$50kFifth Third Goal Setter Savings

Fifth Third Bank (OH) Money Market Rates

0.24%$50k-Fifth Third Relationship Money Market with Relationship
0.12%$50k-Standard Fifth Third Relationship Money Market

Fifth Third Bank (OH) Checking Account Rates

0.24%--Fifth Third Preferred Checking
0.05%--Fifth Third Enhanced Checking

Fifth Third Bank (OH) CD Rates

2.00%$500-120-144 Month 529 CD
2.00%$5k-72 Month Promo CD
1.75%$500-84-119 Month 529 CD
1.50%$500-60-83 Month 529 CD
1.50%$5k-48 Month Promo CD
1.25%$5k-38 Month Promo CD
1.10%$500-48-59 Month 529 CD
1.10%$50k-84 Month Standard CD
1.00%$5k-28 Month Promo CD
0.85%$500-36-47 Month 529 CD
0.75%$50k-60 - 84 Month Standard CD
0.70%$500-24-35 Month 529 CD
0.65%$50k-48 - 60 Month Standard CD
0.50%$500-12-23 Month 529 CD
0.40%$50k-36 - 48 Month Standard CD
0.30%$500-6-11 Month 529 CD
0.30%$25k-24 - 36 Month Standard CD
0.25%$500-3-5 Month 529 CD
0.25%$50k-12 - 24 Month Standard CD
0.05%$5k-7- 89 Day Standard CD
0.05%--3 - 6 Month Standard CD
0.05%--6 - 12 Month Standard CD

Fifth Third Bank (OH) has 1,370 locations. Click to view all Fifth Third Bank (OH) locations.