Fifth Third Bank Routing Number

Frequently Asked Questions About Fifth Third Bank Routing Numbers

Why does Fifth Third Bank have so many different routing numbers?

Fifth Third Bank operates across the Midwest and Southeast, serving customers in Ohio, Michigan, Illinois, Indiana, Florida, Kentucky, Tennessee, North Carolina, Georgia, and several other states. The bank has grown through strategic mergers and acquisitions of regional banks over its 160+ year history. Each acquired institution had its own routing number, and Fifth Third maintained these separate numbers to avoid disrupting existing customers' automatic payments, direct deposits, and bill pay arrangements. This multi-routing number structure is common among large regional banks with a complex acquisition history.

Can I use any Fifth Third Bank routing number for my account?

No, you must use the routing number specific to the state where you originally opened your account. Using the wrong routing number can cause payment delays, rejections, or funds being sent to the wrong account. The routing number is tied to the processing center that handles your account, not just the bank itself. If you're unsure which routing number applies to your account, check the bottom left corner of your checks, log into Fifth Third's online banking, or call customer service at 1-800-972-3030.

What's the difference between ACH and wire routing numbers at Fifth Third Bank?

Fifth Third Bank uses different routing numbers for different transaction types. For ACH transfers (direct deposits, bill payments, electronic transfers), you'll use a state-specific routing number based on where you opened your account. For wire transfers (both domestic and international), you'll use the universal wire routing number 042000314, regardless of your account's state. Wire transfers process faster but cost more, while ACH transfers are typically free but take 1-3 business days.

How do I know which state my Fifth Third account was opened in?

The easiest way to confirm your account's original state is to look at your checks - the routing number printed on the bottom left will correspond to the state where you opened the account. You can also check your original account opening documents, log into online banking (which typically displays your routing number), or review old account statements. If you still can't determine the correct routing number, contact Fifth Third customer service at 1-800-972-3030 with your account details.

Can I use Fifth Third Bank routing numbers for international transfers?

For international wire transfers, you'll need both the wire routing number (042000314) and Fifth Third's SWIFT code (FTBCUS3C). The routing number identifies the bank within the U.S. banking system, while the SWIFT code identifies Fifth Third in the international banking network. Note that Fifth Third charges $50 for outgoing international wire transfers and $15 for incoming international wires. Standard routing numbers only work for domestic U.S. transfers.