AmericasUnited StatesLicensed-entity research

Fifth Third Bank, National Association

Fifth Third Bank, National Association (a U.S. national bank; distinct from the holding company Fifth Third Bancorp and the Fifth Third brand)

Fifth Third Bank, National Association is a U.S. national bank listed in the OCC directory, and its legal entity and regulatory status correspond in FDIC and FFIEC records. Its website publishes personal and business checking account products and some documentation requirements, but eligibility for non-resident individuals generally, account opening by foreign companies, remote account opening from abroad, and complete review standards still need to be confirmed with the bank in writing.

Regulator: Office of the Comptroller of the Currency (OCC, primary federal regulator); Federal Deposit Insurance Corporation (FDIC, deposit insurance); Consumer Financial Protection Bureau (CFPB, secondary federal regulator)
Check date: 2026-10-26
Verify status: Some information pending confirmation

Research scope and official resources

Topic number:americas-fifth-third-bank-na

selection.json lists this as a candidate licensed entity mapped from a selection of large U.S. banking groups in The Banker Top 1000 World Banks 2026 (Tier 1 capital measure); no individual rank for this legal entity is provided. This information does not represent a real-time global top 100 ranking.

Bank’s official website

Personal Eligibility and Documents

Personal accounts: The official website lists Momentum, Preferred, Student, Military, and other checking products, and provides an online application or branch-appointment option; the general personal account page does not fully explain the applicable conditions for U.S. residents, foreign non-residents, or applicants with overseas addresses. The Fifth Third Military Checking page states that non-resident aliens (NRAs) can open an account at a Fifth Third branch, but this statement appears on a military checking product page. The product is also intended for military personnel, veterans, and related families, so it does not establish that all non-residents can open any account or confirm that the product is available to non-residents who do not meet military-family eligibility requirements. Eligibility for residents and non-residents, available products, state/branch availability, and acceptance criteria for foreign addresses and identity documents must all be confirmed by the bank on a case-by-case basis.

Personal information publicly disclosed or identified

The bank’s official Military Checking page lists the application information required for this product: full name, address, telephone number, date of birth, primary identification, U.S. taxpayer identification number (for example, an SSN), and military identification or DD214. These are requirements listed on the page for this specific military product and do not represent a universal checklist for all personal accounts.
This military product page states that online applicants must be at least 18 years old and have an SSN and valid identification. It also states that non-resident aliens may open an account at a branch. The applicable account, military affiliation eligibility, and other identification requirements still need to be confirmed directly.
The general personal checking account page provides online account opening and branch appointment options, but does not publish a complete, general document checklist. General preparation suggestions (not Fifth Third's published policy): Prepare valid government-issued photo ID/passport, actual residential address and contact information, and applicable U.S. or foreign tax identification information; provide additional documents as requested by the bank.
Tax forms are not listed as standard mandatory account-opening documents on the bank’s website. IRS guidance states that U.S. persons generally use Form W-9; non-U.S. individuals provide Form W-8BEN only if requested by a payer/withholding agent or financial institution and when applicable for the relevant tax purpose. Confirm with the bank whether submission to this bank is required and which specific form applies.

Company eligibility and documents

Business account: The bank publicly offers business checking products. The website says required documents vary by business type and bank policy. The process must be completed by a designated representative authorized to act for the business; the bank recommends contacting the nearest branch for personalized assistance. The public pages do not confirm whether foreign-registered businesses, foreign beneficial owners/controllers, non-resident signatories or foreign operating entities can open accounts, or whether such applications can be completed remotely. Do not extrapolate the general checklist for US-based businesses into a commitment to accept international businesses.

Company information publicly disclosed or identified

Fifth Third’s website lists the following commonly required documents for opening a business account: valid, government-issued identification for individuals participating in opening the account or who will use it.
Provide the SSN or EIN used for tax filing, depending on the business structure; the bank’s page says which one is used depends on the business structure.
Business formation/organizational documents, such as Articles of Incorporation, a partnership agreement, a Certificate of Formation, or other legal documents showing the business's organizational form and legal name.
The bank says certain types of business may also need a Certificate of Good Standing issued by the state of registration and the state where it conducts business. Required documents vary by business type and bank policy. The person opening the account must be an authorized representative.
The official checklist does not specifically explain the format for foreign registration documents, certified translations, ownership charts, foreign tax identification numbers, or documents for all beneficial owners. General preparation advice (not a published bank policy): prepare foreign registration/good-standing documents, an authorizing resolution, ownership and control structure, identification for ultimate beneficial owners, explanations of the business and source of funds, and address and tax residence details; first confirm with the bank whether these are accepted and whether certified translations are required. See the compliance note for the applicable U.S. regulatory baseline on beneficial ownership and customer due diligence; it does not constitute Fifth Third's document policy for foreign businesses.

Address, tax, and remote / witnessed procedures

Address and tax

The bank’s military checking account page expressly requires a name, address, telephone number, date of birth, and primary identity document. An SSN is required to apply for this product online. A common checklist for opening a business checking account is an SSN or EIN, depending on the business structure. The pages reviewed do not explain whether a general personal or business account accepts an address outside the United States, which types of proof of address are acceptable, whether an ITIN/foreign TIN can be substituted, the tax-ID standard for foreign entities, or whether a U.S. mailing address is mandatory. Confirm these points with the bank first. Tax status must be determined under U.S. tax law and cannot be inferred directly from immigration status or residential address: the IRS uses W-9 for U.S. persons (including non-U.S. citizens who are U.S. tax residents) for TIN/identity certification; W-8BEN is used, when required, by non-U.S. individuals to certify foreign status for relevant withholding-tax/reporting purposes. The bank has not publicly confirmed this as a universal account-opening prerequisite. The United States uses a FATCA-related tax framework; this file does not describe the United States as having joined CRS or infer Fifth Third account information-collection or exchange obligations from CRS.

Remote / witnessing

The personal-account page offers an online application and branch appointments. The Fifth Third Military Checking page only states explicitly that non-resident aliens can open an account at a branch. The business-account document page recommends visiting the nearest branch for personalized assistance. No public information was found confirming that the bank supports worldwide video account opening, remote account opening for applicants abroad, third-party witnesses, or foreign notarization as a substitute for a branch process. Do not treat a general online application button as applying to customers abroad, or assume that witnessing arrangements are available.

Public process reference

Personal: First select a specific product from the official list of checking accounts, then use its online application or branch appointment option. The page does not publish full eligibility criteria for non-residents or applicants abroad.
Non-resident foreign individuals: The official Military Checking page mentions only the branch application route. Confirm customer/product eligibility, applicable documents, and appointment requirements with the specific branch first; do not extrapolate this information to other products.
Businesses: Select a business checking product and organize the common identity, tax identification number, formation documents, and authorized representative information listed on the website. Prepare a certificate of good standing if required for the business structure. The website recommends contacting the nearest branch for personalized guidance.
Check with the bank regarding requirements for foreign-incorporated entities, overseas addresses/signatories, beneficial ownership documents, tax forms, and source-of-funds documents. Any additional documents required after application, approval timing, and account activation conditions are subject to the bank's actual instructions.
The above entry points and preparation steps are supported by public pages; they are not a guarantee of approval. The official website has not published a general account-opening timeframe or confirmed that Rengangyongsheng can arrange an appointment or handle account opening for this bank.

Compliance topics, details, and sources

US BSA/AML customer identification and risk-based due diligence

The FFIEC Manual explains that U.S. banks must have risk-based customer due diligence procedures to understand the nature and purpose of customer relationships and continuously monitor transactions and maintain customer information based on risk. For higher-risk customers, regulatory guidance gives examples of information that may be requested, such as source of funds/wealth, occupation or type of business, and expected transactions. This describes the U.S. regulatory baseline; it is not Fifth Third’s internal review threshold or a specific requirement for this applicant.

Source:FFIEC BSA/AML Examination Manual — Customer Due Diligence Overview

Ultimate Beneficial Owners, Controllers and Source of Funds

Baseline U.S. bank beneficial ownership rules described in the FFIEC Manual: for a legal entity customer that meets the definition, generally identify one individual with significant managerial or control responsibility and each natural person who directly or indirectly owns at least 25% of the equity (except where an applicable exemption applies); collect at least the name, date of birth, address, and identification number, and verify based on risk. The Manual also notes that information on source of funds/wealth may be needed for higher-risk relationships. The bank’s website checklist for common business account openings does not fully specify UBO document formats or requirements for foreign businesses; confirm with the bank.

Source:FFIEC BSA/AML Examination Manual — Customer Due Diligence Overview ；FFIEC BSA/AML Examination Manual — Beneficial Ownership Requirements for Legal Entity Customers ；Fifth Third Bank — Business Checking Required Documents

U.S. Taxpayer Status, FATCA, and the Scope of CRS

IRS guidance uses Form W-9 to request a TIN and certification of status from U.S. persons, including resident aliens for tax purposes. Form W-8BEN is used by non-U.S. individuals to certify foreign status and address applicable withholding and reporting when requested by a payer, withholding agent, or financial institution; this does not support claiming that the bank uses it as a universal account-opening form. The IRS describes the relevant reporting framework for foreign financial institutions and U.S. taxpayers under FATCA. This material does not claim that the United States has joined CRS. Whether Fifth Third actually collects foreign tax-residency self-certifications or foreign TINs, or uses other applicable reporting arrangements, is not stated publicly on its account-opening page and must be confirmed with the bank.

Source:IRS — Instructions for the Requester of Form W-9 ；IRS — Instructions for Form W-8BEN ；IRS — Foreign Account Tax Compliance Act FATCA

U.S. OFAC Sanctions Screening Baseline

The U.S. Treasury Department’s OFAC maintains SDN and other non-SDN sanctions lists and an official search service, which are important official resources for U.S. sanctions compliance. This information establishes the existence of sanctions lists/services, but does not establish Fifth Third’s specific matching system, screening thresholds, customer review steps, or the screening result for any applicant; accounts and transactions may be reviewed under applicable sanctions rules.

Source:U.S. Treasury OFAC — Sanctions List Service

FDIC Deposit Coverage

The OCC record lists the entity as FDIC Insured. The FDIC generally provides coverage of up to 250,000 dollars per depositor, per insured depository bank, per ownership category; coverage and the total amount must be calculated based on account ownership category and other deposits at the same bank. Coverage does not include non-deposit investment products such as mutual funds and securities; this general limit is not an individual coverage determination for any specific balance or product.

Source:OCC — Financial Institution Search: Fifth Third Bank, National Association ；FDIC — Understanding Deposit Insurance

Compliance evidence

Account-opening compliance and supporting-document checklist

The bank’s stated requirements, local regulations, and preparation recommendations are presented separately. Acceptance in a specific case is subject to confirmation by the bank.

The subject is Fifth Third Bank, National Association (the legal banking entity). This guide focuses on its publicly listed business checking account opening documents and the U.S. banking customer due diligence baseline; it does not represent the policies of Fifth Third Bancorp or any other entity. The official business document checklist is for preparing to open a business account. Eligibility for foreign-incorporated companies, overseas signatories and non-resident individuals, product eligibility and remote application have not been confirmed by the pages reviewed. Individual applicants should not treat the business checklist as personal requirements.

Date information checked:2026-10-26

Information evidence package

Business Existence, Organisational Form and Account-Opening Authority

Who it applies to: Businesses intending to apply; the bank's public information concerns business checking accounts, and the scope of acceptance of documents for foreign-registered businesses has not been made public.
Documents to Prepare: The bank expressly lists common preparation items: business formation/organizational documents, such as Articles of Incorporation, a Partnership Agreement, or a Certificate of Formation, that show the legal name and organizational structure.
Depending on the type of business, the bank may also require a Certificate of Good Standing from the state of registration and the state of operation; it is not a fixed requirement for every business.
General preparation suggestion: A foreign company may prepare registration and existence certificates, articles of association/partnership documents, registered address and an ownership structure chart, and compile a board/member resolution or power of attorney authorizing someone to represent the company in opening an account; ask the bank first whether certification, legalization, or translation is required.
Description: Fifth Third says documents vary by business type and bank policy, and the designated representative must have legal authority to represent the business. The page does not specify whether originals or certified copies are required, document issuance time limits, translation standards, or legalization requirements for foreign documents; the additional items below are preparation suggestions, not a mandatory checklist published by the bank.

Source:Fifth Third Bank — Business checking required documents

Identity information for the account holder, account users, and beneficial owners

Who it applies to: Business account-opening representatives, individuals who will access the account, and legal-entity customers covered by applicable US beneficial ownership rules; any exemption or entity definition must be assessed on a case-by-case basis.
Documents to Prepare: The bank expressly lists common requirements: valid government-issued identification for those involved in opening the account or who will use it; and, depending on the business structure, an SSN or EIN for tax reporting.
Regulatory baseline: applicable legal entity customers must identify one person with significant management/control responsibility, as well as any natural person who directly or indirectly owns at least 25% of the equity, if any; collect their names, dates of birth, addresses and identification numbers, subject to applicable exemptions.
General preparation suggestion: Draw the ownership and control chain at each tier and prepare identification information for the ultimate natural-person shareholders/controllers; non-U.S. individuals may compile identifying details such as passport number and issuing country. The bank’s specific forms, document formats, and acceptable IDs should still be confirmed.
Description: The bank’s account-opening document page does not publish a specific checklist for foreign shareholders/controllers. The FFIEC manual describes the U.S. banking beneficial-ownership compliance baseline; it is not a commitment by the bank regarding the document format for a particular foreign applicant.

Source:Fifth Third Bank — Business checking required documents；FFIEC BSA/AML Examination Manual — Beneficial Ownership Requirements for Legal Entity Customers

Business purpose, source of funds and expected account activity

Who it applies to: Business applicants, particularly where there are cross-border payments, complex ownership structures, or high anticipated transaction volumes; these are due diligence preparation suggestions and do not mean the bank has asked every applicant to provide all documents.
Documents to Prepare: Prepare a one-page business description: products/services, main customers and suppliers, operating locations, account purpose, and expected types of incoming and outgoing payments.
Prepare traceable supporting documents for the actual source of funds, such as recent financial statements, contracts/invoices, sales records, investment or shareholder contribution documents, loan agreements, and related bank statements. Choose documents that fit the company’s circumstances.
For cross-border funds, explain the relationship between the payer and payee, the countries involved, currency, frequency and approximate amounts, and prepare contracts or invoices consistent with the business model; do not describe unexplained third-party funds as business revenue.
Description: The FFIEC lists information that may be requested for higher-risk relationships, including source of funds/wealth, financial statements, main trading regions, expected domestic/international transactions and volumes, and information about the business and its major customers and suppliers. This is a risk-based example in regulatory guidance, not a uniform submission requirement for all businesses imposed by Fifth Third.

Source:FFIEC BSA/AML Examination Manual — Customer Due Diligence Overview

Due diligence and enhanced verification

UBO, controllers and verification of shareholding chain

Basis for Verification: U.S. beneficial-ownership rules require applicable legal-entity customers to identify control persons and natural persons meeting the 25% ownership threshold, and to verify their identities through risk-based procedures; exemptions apply to certain entities and accounts. This rule is not the same as an exemption from a business’s FinCEN BOI reporting, nor does it mean that a bank will not ask about customer ownership.
Preparation recommendation: Prepare an ownership tree listing each level’s legal name, place of registration, shareholding percentage, and basis of control, down to natural persons. If no individual meets the ownership threshold, prepare an explanation and separately identify the person responsible for control. Attach documents that can be cross-checked, such as registration documents, shareholder registers, or organizational documents, and first ask the bank about its prescribed forms and identification requirements.
Scope: U.S. regulatory baseline; Fifth Third has not publicly disclosed its requirements for foreign business documents, authentication methods, or specific verification procedures.

Source:FFIEC BSA/AML Examination Manual — Beneficial Ownership Requirements for Legal Entity Customers

Source of funds/wealth and reasonableness of transactions

Basis for Verification: The FFIEC requires banks to establish the purpose of customer relationships and develop risk profiles, with ongoing monitoring based on risk. For higher-risk customers, examples in the guidance include verifying source of funds or wealth, nature of the business, financial condition, trading regions, and expected transactions. No specific risk thresholds, document checklist, or review standard specific to foreign applicants has been found in Fifth Third’s public materials.
Preparation recommendation: It is advisable to document the source of funds as a verifiable chain: owner of the funds, originating event, transfer route, expected receipt, and intended use. Corroborate this with contracts, invoices, financial statements, shareholder resolutions, or bank statements. For initial deposits, unusually large amounts, or third-party payments, prepare a concise explanation and corresponding evidence.
Scope: Regulatory examination guidance and general preparation suggestions; do not misrepresent the example materials as mandatory for every bank application.

Source:FFIEC BSA/AML Examination Manual — Customer Due Diligence Overview

Identity for people overseas, foreign documents, and cross-border business

Basis for Verification: Examples in the FFIEC guidance of identification numbers for non-U.S. beneficial owners include a tax identification number, passport number and issuing country, foreign identity card number, or another unexpired government-issued photo ID. This describes regulatory identification options; it does not establish that Fifth Third accepts any particular document, foreign tax number, or documents from a foreign business.
Preparation recommendation: It is advisable to prepare passport details for overseas controllers, residential/business addresses, proof of registration and good standing, the authorization chain, and draft translations; also indicate the expected countries for cross-border payments, types of counterparties, and currencies. Before making an appointment, confirm each requirement for official translations, certifications, proof of address, and whether non-resident signatories may open an account.
Scope: Regulatory identification baseline and general preparation suggestions; eligibility of overseas customers and availability of remote processing have not been confirmed.

Source:FFIEC BSA/AML Examination Manual — Beneficial Ownership Requirements for Legal Entity Customers；Fifth Third Bank — Business checking required documents

Sanctions list and name matching

Basis for Verification: OFAC publicly provides the SDN and consolidated non-SDN sanctions lists and search tools; this only supports the existence of US sanctions list information and does not prove Fifth Third’s screening system, matching thresholds, or the outcome of screening a particular customer. Sanctions screening and general PEP status are not the same concept; PEP status alone cannot be used to infer that someone is a sanctions target or will necessarily be refused an account.
Preparation recommendation: It is advisable to organize the legal names, former names, dates of birth, places of registration/nationalities and accurate English spellings of the company and relevant natural persons in advance. If there is a name match or a false-positive list match, prepare identification documents and an explanation to distinguish the identity. Do not judge the bank's screening outcome solely on the basis of your own searches.
Scope: Public list resources and general preparation advice from the U.S. Department of the Treasury; internal bank screening steps and PEP handling policies are not public.

Source:U.S. Treasury OFAC — Sanctions List Service

Ongoing maintenance obligations

Changes to key customer information and beneficial ownership

The FFIEC requires banks to conduct ongoing monitoring based on risk and to update customer information, including beneficial ownership information, when monitoring identifies a material change. This regulatory guidance describes bank procedures and does not set a uniform periodic update interval for all customers. In practice, businesses should maintain up-to-date information on ownership, controllers, authorized signatories, address, and business, and confirm with the bank the channels and time limits for reporting changes; specific customer contractual obligations are governed by the account-opening documents.

Source:FFIEC BSA/AML Examination Manual — Customer Due Diligence Overview；FFIEC BSA/AML Examination Manual — Beneficial Ownership Requirements for Legal Entity Customers

Transaction activity consistent with the information provided when opening the account

The bank must monitor transactions based on risk and maintain customer information. The FFIEC notes that significant and unexplained account activity, changes in business operations or ownership, and activity inconsistent with the purpose of the relationship/risk profile may be factors in reassessing the relationship. No uniform monetary threshold or fixed review frequency can be confirmed from these materials. Businesses should retain contracts, invoices, shipping/service records, and information explaining their relationship with counterparties in order to respond to bank inquiries.

Source:FFIEC BSA/AML Examination Manual — Customer Due Diligence Overview

Respond promptly to review requests and retain verifiable evidence

If the bank requests additional documents as part of routine monitoring or an individual case review, provide consistent, traceable documents explaining changes in the source of funds, ownership or transactions. The FFIEC explicitly states that update procedures should be risk-based and that continuous or uniformly periodic updates are not required. It is advisable to maintain document versions and transaction-support records internally, but no public information was found on Fifth Third’s standard review cycle for business customers, deadlines for additional documents or customer-record retention period.

Source:FFIEC BSA/AML Examination Manual — Customer Due Diligence Overview

Please confirm with the bank before booking

Does Fifth Third accept applications from businesses registered outside the United States whose principal place of business is also outside the United States? If applications are accepted, which states/branches and business types are eligible?
Must offshore certificates of incorporation, articles of association, certificates of good standing, and authorization documents be originals, certified copies, certified translations, or consularly legalized? Is there a validity period for the document issue date?
Which identity documents and tax numbers may be used by non-resident account representatives, signatories, or ultimate beneficial owners? Does the bank require a US address or EIN, or collect overseas tax-residency information separately?
What certification form does the bank use for information on controllers/25% shareholders of applicable companies? Can existing organizational documents or an overseas shareholder register be used as supporting evidence?
What projected transaction information or source-of-funds documents must the business provide? Are there countries, business types or procedural restrictions that must be disclosed in advance for cross-border payments?
After account opening, through what channel should changes to ownership, authorized persons, address, or business model be reported? Is there a fixed review cycle, response deadline, or related fee?

Not confirmed by public information

The public business account page only lists common U.S. business documents and does not confirm eligibility for foreign-registered companies, foreign controllers, or non-resident authorized representatives, or available products.
No case-specific acceptance standards have been published for certification, translation, validity periods, forms of proof of address, foreign tax numbers, or tax forms for non-U.S. documents.
No complete due diligence questionnaire, source-of-funds document requirements, anticipated transaction limits, internal risk appetite, or review timelines for overseas applicants have been found for Fifth Third.
The link to the bank’s business account rules PDF returned a page error when accessed for this review; no conclusions have been drawn from it about contractual obligations after account opening, change notification deadlines, authorized-person management rules, or fees.
This information does not confirm account-opening appointments, remote witnessing, agency arrangements for applicants from abroad, or any application outcome. The bank should respond in writing regarding the applicant and the proposed branch.

Sources & Scope of Verification

Fifth Third Bank — Business checking required documents
The bank’s official page was actually read. It lists government-issued identification, SSN or EIN depending on the structure, and business formation/organisation documents; certain businesses may also need a Certificate of Good Standing. It requires an application to be handled by a legally authorised designated representative and states that requirements vary by business type and bank policy. No specific requirements for foreign businesses are listed.
FFIEC BSA/AML Examination Manual — Customer Due Diligence Overview
The regulatory examination manual was actually read. It states that banks must understand the nature and purpose of a relationship on a risk basis, conduct ongoing monitoring, and maintain and update customer information according to risk. Updates following changes are event-triggered rather than subject to a uniform continuous or periodic requirement. It lists possible additional information for higher-risk customers, such as source of funds/wealth, financial information, trading regions and expected transactions. This source is not a Fifth Third-specific policy.
FFIEC BSA/AML Examination Manual — Beneficial Ownership Requirements for Legal Entity Customers
The regulatory examination manual was actually read. It describes the regulatory baseline for beneficial ownership rules for applicable legal entity customers, including control persons and the usual 25% ownership threshold, minimum identifying information, types of identification numbers available to non-US persons, and maintaining and updating information on a risk basis. Definitions and exemptions apply; this does not replace confirmation by the bank of acceptable formats for foreign documents.
U.S. Treasury OFAC — Sanctions List Service
The original US Treasury OFAC page was actually read. It describes the SDN and consolidated non-SDN lists, data downloads and a fuzzy name search tool. It supports only the publicly described scope of the sanctions list service, not Fifth Third’s internal screening process, PEP policy or the outcome of screening any applicant.

Fees and timelines

As of the file verification date, 2026-10-26, the personal Momentum Checking page listed no monthly service fee, no minimum opening deposit, and no minimum balance. The Preferred Checking page listed a monthly fee of 25 US dollars if conditions are not met; the fee may be waived if combined deposit and investment accounts reach at least 100,000 US dollars. The business account comparison page listed monthly service fees of 0 US dollars for Business Checking, 25 US dollars for Premium, and 50 US dollars for Elite; the balance thresholds for waiving the monthly fees were 0, 25,000 US dollars, and 50,000 US dollars, respectively. These are product prices/terms shown on the official website at that time and may not apply to all products or customers; check the current disclosures again before opening an account. No account-opening processing time, international transfer fees/limits, or complete fee terms for overseas customers were found, and no estimates are made.

Limitations and practical considerations

The public statement that non-resident foreigners may open an account at a branch appears on the Military Checking page. This does not confirm that all personal accounts accept non-residents; the page positions the product for military families.
Public website materials do not confirm general personal non-resident eligibility, whether a foreign address or non-U.S. tax number can be used, or whether foreign-incorporated businesses, foreign beneficial owners and non-resident authorized signatories can open accounts.
The company documents listed on the official website are common materials that vary according to the type of business and the bank’s policies; they are not a complete document list that automatically applies to every applicant. The bank may require additional due diligence information.
An online application portal does not mean applications are open to applicants worldwide; global remote account opening, video witnessing, or third-party witnessing has not been confirmed.
The FDIC BankFind location overview as of 2026-09-11 lists domestic locations for the bank in 16 U.S. states and 1 foreign locations. This does not establish that the bank accepts customers globally or residents of any particular region.
The information is for public-information research only. It does not represent bank pre-approval, legal or tax advice, or any commitment to open an account, and is not an account-opening channel currently available for appointments or assistance through Rengangyongsheng.

Licensing evidence and regulatory verification

The competent authority’s specific record for the legal banking entity has been cross-checked: the OCC Financial Institution Search lists Fifth Third Bank, National Association as Active, National Bank, charter/license 25190, and marks it FDIC Insured, certificate number 6672. FDIC BankFind gives the same name and OCC charter 25190, classifies it as a national bank and Federal Reserve member, and identifies OCC as the primary federal regulator and CFPB as the secondary regulator; the FDIC page data are current through 2026-09-11. FFIEC National Information Center institution number 723112 also lists it as Active, National Bank, FDIC/DIF. This licence check concerns the bank legal entity, not the holding company; account eligibility, product availability, or acceptability of any overseas applicant should not be equated with licence status.

Office of the Comptroller of the Currency (OCC, primary federal regulator); Federal Deposit Insurance Corporation (FDIC, deposit insurance); Consumer Financial Protection Bureau (CFPB, secondary federal regulator) Official registration or record

Information sources

Fifth Third Bank — Open a Personal Checking Account
Official personal checking products page. Momentum Checking has no monthly service fee, minimum opening deposit, or minimum balance. The page lists conditions for products such as Preferred and provides online application and branch appointment options. It does not provide general nonresident eligibility requirements or a complete list of personal application documents.
Fifth Third Bank — Fifth Third Military Checking: Account Requirements
This specific product page lists name, address, telephone number, date of birth, primary proof of identity, U.S. TIN, Military ID or DD214; it states that online applicants must be at least 18 years old, have an SSN and valid identification, and that non-resident aliens can open an account at a branch. This availability is limited to the context of that page and cannot be generalized to all personal products.
Fifth Third Bank — Business Checking Required Documents
Official business account opening documents commonly required: relevant government-issued identification for individuals; SSN or EIN, depending on the business structure; and business formation/organization documents. Some businesses may need a Certificate of Good Standing. An authorized legal representative must apply. Requirements vary by business type and bank policy; contacting a branch is recommended.
Fifth Third Bank — Business Checking Accounts
Official business account comparison page supports the monthly service fees of USD 0/25/50 and the balance requirements to waive the fees of USD 0/25,000/50,000 for Business Checking, Business Premium Checking, and Business Elite Checking.
OCC — Financial Institution Search: Fifth Third Bank, National Association
Specific record from the regulator, the OCC: the bank is Active, a National Bank, charter/license 25190, FDIC insured, certificate number 6672, and its entity address is in Cincinnati. This directly supports verification of the entity and its license.
FDIC BankFind Suite — Fifth Third Bank Institution Details, Certificate 6672
The FDIC institution record lists the legal name, FDIC Certificate 6672, OCC Charter 25190, national bank/Federal Reserve System member classification, OCC as primary regulator and CFPB as secondary regulator. The location overview data as of 2026-09-11 lists domestic locations in 16 states and 1 foreign locations.
FFIEC National Information Center — Institution Profile 723112
The FFIEC institution number 723112 page lists the institution as Active, National Bank, OCC Primary Federal Regulator, and FDIC/DIF, and provides FDIC certificate 6672, website, and LEI, independently cross-checking the entity’s status and regulatory identity.
FFIEC BSA/AML Examination Manual — Customer Due Diligence Overview
U.S. bank customer due diligence regulatory baseline: risk-based understanding of the purpose of customer relationships, ongoing monitoring, and information updates; higher-risk customers may need to explain source of funds/wealth, business activities, and expected transactions. This is not Fifth Third’s proprietary policy.
FFIEC BSA/AML Examination Manual — Beneficial Ownership Requirements for Legal Entity Customers
U.S. regulatory requirements and examination guidance for beneficial owners of legal entities: identify a control person and generally owners with at least 25% ownership, obtain their names, dates of birth, addresses, and identification numbers, and verify on a risk basis; applicable exemptions exist. This does not confirm document formats for foreign companies accepted by the bank.
IRS — Instructions for the Requester of Form W-9
The IRS states that Form W-9 is used to request a TIN and specific certifications from U.S. persons, including resident aliens for tax purposes, and may be used to distinguish U.S. tax status correctly; this does not establish that Fifth Third lists it as a fixed document for all account applicants.
IRS — Instructions for Form W-8BEN
The IRS states that non-U.S. individuals use Form W-8BEN to certify foreign status and address applicable withholding and reporting when requested by a payer, withholding agent, or financial institution; this does not support claiming that the form is mandatory for all nonresident account applicants at this bank.
IRS — Foreign Account Tax Compliance Act FATCA
IRS official FATCA overview describing reporting frameworks involving foreign financial institutions and US account holders, GIIN/registration and information exchange services; this is US tax regulatory background only and does not establish the bank’s tax document requirements for specific customers.
U.S. Treasury OFAC — Sanctions List Service
The OFAC official sanctions list service describes the SDN and consolidated non-SDN lists and search tools; this supports background information on US sanctions lists, not claims about Fifth Third’s screening procedures or an applicant’s screening result.
FDIC — Understanding Deposit Insurance
Official FDIC deposit insurance rules: generally US$250,000 per depositor, per insured depository bank, per ownership category. The rules describe covered deposit types, excluded investment products and how accounts in the same category are aggregated.