Fifth Third Bank vs BMO Harris Bank

Fifth Third Bank is a midwest & Southwest bank with high balance requirements. How does it compare to BMO Harris Bank? Read our comparison chart below.

Fifth Third Bank has 1,300 branches across the Midwest and Southwest. Basic checking account requires $1,500 minimum balance to avoid fees. Promotional CD offers a high APY for terms up to 27 months with a $5,000 minimum opening deposit.

While BMO Harris Bank has 900 branches in the Midwest. Smart Advantage checking account has no fee and no minimum balance if you opt for eStatements. Savings need just $100 to open with easy ways to waive fees. Special Rate CDs require a $5,000 minimum opening deposit.

Compare Fifth Third Bank with BMO Harris Bank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	Fifth Third Bank	BMO Harris Bank


	SPECIAL OFFER Personal Checking Account - $225 Bonus - Learn More Read Fifth Third Bank Review	SPECIAL OFFER BMO Harris Smart Advantage™ Account - $300 Cash Bonus - Learn More Read BMO Harris Bank Review
	Benefits and Features
Savings	0.01% APY	0.01% APY. $5 reward every month you save $200 or more, for the first year.
CD	0.01% APY. Terms ranging from 7 days to 84 months, minimum deposit of $500. Featured CD: 4.00 - 4.85% APY. Terms are 5 and 10 months, minimum deposit of $5,000.	0.05% - 5.10% APY. Terms of 3 months to 5 years. $1,000 minimum opening deposit.
Checking	Fifth Third Momentum® Checking: No monthly service charge Fifth Third Preferred Checking®: Interest-bearing checking account Fifth Third Student Banking: Personal checking account for students age 13 and up.	Smart Advantage, Smart Money, Premier
Money Market	0.01% APY Standard Rate (0.01% Relationship Rate)	1.00% APY. $25 minimum opening deposit. $10 monthly fee, waived with a $10,000 minimum daily balance.
Customer Service	Mon-Fri 8:00 am - 6:00 pm (EST) Sat 10:00 am - 4:00 pm (EST)	Mon-Fri: 7am - 10pm (CT); Sat-Sun 8am - 8pm
ATMs	Allpoint® and 7-Eleven® network of ATMs. More than 50,000 fee-free ATMs nationwide.	40,000+ BMO Harris and Allpoint ATMs
IRA CD	0.01% APY	0.05% - 5.10% APY. Terms of 3 months to 5 years. $1,000 minimum opening deposit
IRA Money Market		IRA Premium Savers: $100 minimum opening deposit. No monthly maintenance fee
Locations	1,300 branches, including 100 Bank Mart® locations across the country	More than 500 branches
	CreditDonkey® Reviews

Savings
CD
Checking
Money Market
Customer Service
Mobile App
Pros & Cons	Pros: Free Express Checking Free student checking Promo CD with high APY Cons: Higher balance requirements Low savings APY Limited branches	Pros: Free checking with eStatements Large ATM network Good financial tools Cons: Limited branches Low savings APY
Bottom Line	Midwest & Southwest bank with high balance requirements... Read full review	Midwest bank with options for low and high-balance customers... Read full review

	Personal Checking Account - $225 Bonus	BMO Harris Smart Advantage™ Account - $300 Cash Bonus BMO Harris Smart Money™ Account - $300 Cash Bonus BMO Harris Premier™ Account - $500 Cash Bonus
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Fifth Third Bank: Pricing information from published website as of 5/15/2023 based on 45202 zip code. BMO Harris Bank: Pricing information from published website as of 4/18/2023 based on 91107 zip code.

Member FDIC

Personal Checking Account - $225 Bonus

Open an eligible Fifth Third Checking account. Have direct deposits totaling $500 or more within 90 days of account opening to qualify for bonus. The cash bonus will be deposited into your new checking account within 10 business days of completing qualifying activity requirements.

Get Deal

Expires 6/30/2023

Member FDIC

BMO Harris Smart Advantage™ Account - $300 Cash Bonus

Open a new BMO Harris Smart Advantage™ Account online and get a $300 cash bonus when you have a total of at least $4,000 in qualifying direct deposits within the first 90 days of account opening. Offer is limited to one per customer and is not available for existing BMO Harris personal checking customers (including signers on joint accounts) or those who have closed a BMO Harris personal checking account within the past 12 months. Conditions apply.

Get Deal

Expires 9/15/2023

Member FDIC

BMO Harris Smart Money™ Account - $300 Cash Bonus

Open a new BMO Harris Smart Money™ Account online and get a $300 cash bonus when you have a total of at least $4,000 in qualifying direct deposits within the first 90 days of account opening. Offer is limited to one per customer and is not available for existing BMO Harris personal checking customers (including signers on joint accounts) or those who have closed a BMO Harris personal checking account within the past 12 months. Conditions apply.

Get Deal

Expires 9/15/2023

Member FDIC

BMO Harris Premier™ Account - $500 Cash Bonus

Open a new BMO Harris Premier™ Account and get a $500 cash bonus when you have a total of at least $7,500 in qualifying direct deposits within the first 90 days of account opening. Offer is limited to one per customer and is not available for existing BMO Harris personal checking customers (including signers on joint accounts) or those who have closed a BMO Harris personal checking account within the past 12 months. Conditions apply.

Get Deal

Expires 9/15/2023

Which is Better: Fifth Third Bank or BMO Harris Bank?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Fifth Third Bank or Chase.

In short: BMO Harris Bank's checking is notable.

Articles on Fifth Third Bank

Fifth Third Bank Review

Fifth Third Bank has higher balance requirements and high service fees if they're not met. But it offers some unique programs. Read on to see if Fifth Third Bank is a good fit for you.