Fifth Third Bank


Fifth Third Bancorp is a diversified financial services company headquartered in Cincinnati, Ohio and the indirect parent company of Fifth Third Bank, National Association, a federally chartered institution. As of September 30, 2019, Fifth Third had $171 billion in assets and operated 1,143 full-service banking centers and 2,487 ATMs with Fifth Third branding in Ohio, Kentucky, Indiana, Michigan, Illinois, Florida, Tennessee, West Virginia, Georgia and North Carolina. In total, Fifth Third provides its customers with access to approximately 53,000 fee-free ATMs across the United States. Fifth Third operates four main businesses: Commercial Banking, Branch Banking, Consumer Lending and Wealth & Asset Management. Fifth Third is among the largest money managers in the Midwest and, as of September 30, 2019, had $397 billion in assets under care, of which it managed $46 billion for individuals, corporations and not-for-profit organizations through its Trust and Registered Investment Advisory businesses.

On December 31, 2020, Fifth Third will transfer its HSA Accounts to Optum Bank, Inc.

User Ratings

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HSA Program Features

FDIC or NCUA Insured:
Min Balance to Open:
  • Debit Card
  • Checks
  • Online Banking
  • Investment Options

HSA Interest Rates

Interest rates are unknown at this time


Monthly Maintenance Fee $3.50*
Account Opening Fee $5.00**
Account Closing Fee $25.00

* For balances less than $500, for balances $500-$2,000 it's $3.00, for balances $2,000-$3,000 it's $2.50, for balances $3,000-$4,000 it's $2.00 and for balances over $4,000 there is no fee. **$10 for enrollment by employer and $20.00 for paper application enrollment

HSA Investment Options

Mutual Fund Platform: check_box   Self-Directed Brokerage: close   CDs: close   Other: close

Mutual Fund Details

Investment Threshold: $2,000
Investment Fee: $2.00 / Month & an Investment Administration Fee totaling 10 basis points annually will be assessed

Contact Information

General Information

Address HSA Support
38 Fountain Square Plaza
Cincinnati, OH 45263

Customer Service

Mailing Address Fifth Third Bank HSA Department
P.O. Box 495933
Cincinnati OH 45249-5933
Phone Number 1-888-350-5353