Fifth Third Bank, National Association logo

Fifth Third Bank, National Association in Cincinnati, OH

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Fifth Third Bank is a national banking institution offering checking, savings, credit cards, mortgages, business loans, and personal lending through branches and digital channels.

Data compiled from public sources

Fifth Third Bank, National Association Review

Fifth Third Bank, National Association operates as a federally chartered national bank serving consumers and businesses across the United States. com. Fifth Third provides a comprehensive suite of financial products spanning deposit accounts (checking and savings), credit products (personal loans, credit cards, mortgages), business lending solutions, and wealth management services.

The bank operates as a full-service retail and commercial bank rather than a listed lender, positioning itself among traditional banking institutions. Fifth Third's scale as a national bank with physical locations distinguishes it from neobanks and online-only competitors, providing in-person customer service and local market presence. The bank's reach through ATM networks and branch locations offers accessibility advantages for customers who prefer traditional banking channels.

However, the website currently exhibits technical issues, with error pages preventing access to detailed product information and service specifications that would typically inform consumer decision-making.

Services & Features

ATM access and cash withdrawal
Branch locator service
Business loans and commercial banking
Certificates of Deposit (CDs)
Checking accounts
Credit cards
Customer service support
Digital banking platform
Money market accounts
Mortgages (home purchase and refinance)
Personal loans
Savings accounts

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • National bank with established branch and ATM network for in-person banking access
  • Full-service banking offering checking, savings, credit cards, mortgages, personal loans, and business solutions
  • Federally chartered national bank status provides regulatory oversight and FDIC deposit insurance
  • Digital banking platform available at 53.com for online account management
  • Customer service support available via phone at 1-800-972-3030
  • Serves both consumer and commercial customers with varied product offerings

Cons

  • Website contains error pages and technical issues preventing access to product details and rates
  • Specific APR ranges, fee structures, and loan terms not accessible from the website
  • Competitive landscape with other national banks may not offer differentiated rates or features
  • Website usability problems suggest potential customer service friction

Consumer Complaint Record

Fifth Third Bank, National Association received 1,855 consumer complaints in the past 12 months. All complaints received a timely response from the company.

1,855

Complaints (12 months)

9.2%

Resolved with relief

Stable

Complaint trend

Most Common Complaint Categories

Managing an account
22.8%
Incorrect information on your report
10.1%
Trouble during payment process
8.9%

1,510 FDIC-insured branch locations nationwide.

CFPB Enforcement Actions

Fifth Third Bank, N.A. — $5.0M — On July 9, 2024, the Bureau issued an order against Fifth Third Bank, N.A., a national bank that, among other things, offers and services motor vehicle loans to consumers directly and through a variety of vehicle dealers.

Fifth Third Bank, National Association — $15.0M — On March 9, 2020, the Bureau filed a lawsuit in federal district court in the Northern District of Illinois against Fifth Third Bank, National Association.

Fifth Third Bank — $3.0M — The CFPB took action against Fifth Third for deceptive marketing of credit card add-on products. The action requires the bank to provide an estimated $3...

Fifth Third Bank — $9 — The CFPB took action against Fifth Third Bank for discriminatory auto loan pricing.

SBA Lending Record

Ranked #9 in KY for SBA 7A lending in FY2026.

Source: Consumer Financial Protection Bureau · CFPB Enforcement Records · SBA · FDIC BankFind

State Consumer Finance Context

This is state-level context for Banks consumers in Cincinnati, OH. It does not confirm that Fifth Third Bank, National Association or this specific location is licensed.

State regulator

Ohio Department of Commerce Division of Financial Institutions

Key state rules to check

  • HB 123 (2018) reformed payday lending with 28% APR cap plus a monthly maintenance fee.
  • Short-term loans capped at $1,000 with minimum term of 91 days.
  • Monthly maintenance fee of up to 10% of original principal (max $30/month).

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Mortgage Lending Transparency

Fifth Third Bank, National Association processed 41,747 mortgage applications in 2023, with 69.3% recorded as approved across 45 states.

41,747

Applications

69.3%

Approval Rate

$175K

Avg Loan

45

States Served

Approval Rate by Applicant Income

Under $50K
56.8%
$50K–$100K
69.5%
$100K–$200K
74.1%
Over $200K
76.5%

Based on 41,747 applications. Income in thousands (reported by applicant).

States With Recorded Applications

Ohio 12,698 apps · 70.3%
Michigan 6,513 apps · 70.1%
Indiana 5,235 apps · 69.5%
Florida 4,667 apps · 56.7%
Illinois 3,950 apps · 61.8%
Kentucky 3,145 apps · 69.1%

Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.

Frequently Asked Questions

What services does Fifth Third Bank, National Association offer?

Fifth Third Bank, National Association offers 12 services including Checking accounts, Savings accounts, Money market accounts, Certificates of Deposit (CDs), Personal loans, and 7 more.

What profile signals are listed for Fifth Third Bank, National Association?

Fifth Third Bank, National Association has profile signals associated with Consumers seeking traditional full-service banking with physical branch access, Business owners needing commercial lending and deposit account solutions, Customers preferring established national banks with FDIC-insured deposits.

What are the strengths and weaknesses of Fifth Third Bank, National Association?

Key strengths: National bank with established branch and ATM network for in-person banking access; Full-service banking offering checking, savings, credit cards, mortgages, personal loans, and business solutions; Federally chartered national bank status provides regulatory oversight and FDIC deposit insurance. Areas to consider: Website contains error pages and technical issues preventing access to product details and rates; Specific APR ranges, fee structures, and loan terms not accessible from the website.

How does Fifth Third Bank, National Association compare to similar companies?

In the Banks category, comparable providers include 1st National Bank, Bank419, Belmont Savings Bank. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Founded
1865
Headquarters
Cincinnati, OH
BBB Accredited
No
Certifications
FDIC Insured FDIC Cert #6672
Visit Fifth Third Bank, National Association

CreditDoc Profile Note

Research Note on Fifth Third Bank, National Association

Fifth Third Bank is profile signals for consumers and business owners seeking traditional full-service banking with branch access, FDIC deposit insurance, and a complete range of loan and deposit products. The primary caveat is that their website currently contains technical errors that prevent prospective customers from reviewing specific product terms, rates, and fees before contacting the bank.

Profile Signals

  • Consumers seeking traditional full-service banking with physical branch access
  • Business owners needing commercial lending and deposit account solutions
  • Customers preferring established national banks with FDIC-insured deposits
Updated 2026-05-08

Similar Companies

1st National Bank logo

1st National Bank

1st National Bank is a community bank based in Ohio offering checking, savings, credit cards, mortgages, and auto loans with local branch presence and online banking services.

BBB: NR

Profile signals: Ohio residents seeking community banking with local branch relationships, First-time homebuyers interested in down payment assistance and listed savings products

Bank419 logo

Bank419

Bank419 (formerly Metamora State Bank) is a community bank offering checking, savings, loans, and credit cards with a focus on personalized service across three Ohio locations.

BBB: NR

Profile signals: Small business owners in Ohio seeking personalized refinancing and lending relationships with local decision-makers, Customers in Metamora, Sylvania, and Maumee who prioritize face-to-face banking and community connection over digital convenience

Belmont Savings Bank logo

Belmont Savings Bank

Community bank with 140 years of history serving the Ohio Valley, offering personal and business banking, loans, mortgages, and digital services.

BBB: NR

Profile signals: First responders (police, firefighters, EMTs, nurses) seeking mortgages with lower-cost listed terms and no PMI, Ohio Valley residents seeking community banking with local decision-making and personal relationships

Compare Your Needs With Fifth Third Bank, National Association

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Quick Summary

  • Fifth Third Bank, National Association is listed as a Banks provider in Cincinnati, OH on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
  • If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
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