Build Momentum. Pay Off Student Loan Debt Faster.

Fifth Third Momentum™ works in the background for you, helping you save small amounts which can make a BIG dent in your student loans. In three easy steps, you can begin on a journey that ends with your paying off student loans faster and saving thousands of dollars in interest along the way.

1. Download the app and tell us about your student loan.
2. Choose your round-up preferences.
3. Confirm your choices.

Fifth Third Momentum fits easily into your life, rounding-up everyday transactions from your Fifth Third® debit card and sending that pocket change to your student loan servicer. All along your journey, we are there to encourage you with #Wins and celebrate with you when you achieve your goals.

• Automated and completely free!
• Choose between two round-up options, letting you pick the impact you’ll make.
• Round-ups are calculated and taken from your Fifth Third checking account daily.
• Automated payments go out weekly when you've reached at least $5.00 in round-ups, making a difference fast.
• Track your round-ups and payments to see the progress you’re making.
• Conveniently update your accounts and preferences all within the app.
• Engage with the platform to earn and compare badges with friends.

• All funds are held at Fifth Third Bank, an FDIC-insured bank.
• When you use any of our apps, all of your information is encrypted to help prevent unauthorized access.
• Push notifications that not only encourage you, but also provide important updates, such as when we need you to update your account information.

“Everyone you went to college with is more than likely paying student loans. And for something that would make it so much easier, I don't know who wouldn't take advantage of this...everyone I know is paying student loans, I would recommend this to them."

“The app is so simple and easy to use!”

“I mean, it does a great job: just giving you a constant incentive. Little pep talk facts, funny anecdotes.”

“I would share this with millennials, gen-Xers, even. [The amount of] student loans eclipse home loans. This is a way for them to chip away at that, for them to feel a little more positive.”

“Each dollar now is worth more than a dollar down the road because you are saving all the money on interest.”

You do not need to have a Fifth Third student loan to use Fifth Third Momentum. We support over 85% of all student loans in the U.S., including those from the following servicers:
• ACS (Conduent)
• Citibank Student Loan
• Discover Student Loan
• Edfinancial Services
• Fed Loan Servicing
• Firstmark
• Great Lakes Higher Education
• Kentucky Higher Education
• Mohela
• Navient
• Nelnet
• Sallie Mae
• Student Loan Corp
• U.S. Department of Education
• …and more!

For a complete list, please visit

For more information, please visit
Install Fifth Third Momentum today.
Contact if you have any questions! We are always here to help.

What’s New

Version 1.3.1

Our latest update includes:
- Bug fixes and performance improvements

Ratings and Reviews

3.1 out of 5
45 Ratings
45 Ratings
Geerawrd ,

So far mostly good!

I really enjoy how easy this app makes making extra contributions to my loans! I use my debit card a lot so I've already see the benefit this app provides! The only issue I've had thus far is that I wish I was able to edit my debit card information easier within the app itself. I see all sorts of 'change' options in the settings regarding loan service and "preferences", but when I go into preferences to update my card all I can do is update the amount I'd like to contribute toward my loans. I had to unenroll and then re-enroll to get my card to update, which was a little clunky. Otherwise though, I'm very pleased!

Developer Response ,

Thank you for your review; we appreciate your feedback!

runit08 ,

Doesn’t work

I too have been trying to set this up off and on for months and always get the same “oops looks like there is something wrong with your account number” error that many others are receiving. I’ve verified all my information and confirmed my account number to be correct. I’ve called the customer service line and was simply told to call my loan provider to verify my information, which I had previously, and was at that exact moment logged onto my loan providers website and into my account looking at my account information. 5/3 Customer service left me with no help and yet again, I am unable to use this app like many others.

Developer Response ,

Sorry to hear you're having app troubles. We want to help, so give us a call at 1-800-487-4762.

skrantonicity ,

Wonderful service!

I have been using this for 2 months now and love it! I love that 5/3 offers this service. You can choose to round up each payment TO the next dollar or BY a dollar, and send the roundup amount to your loan servicer. Super easy to use- I experienced some errors/glitches when setting up my account initially but they seem to have fixed them. Thanks 5/3!

Developer Response ,

Great! We're so glad you like our app.


FifthThird Bank
32.2 MB
Requires iOS 9.2 or later. Compatible with iPhone, iPad, and iPod touch.
Age Rating
Rated 4+
© 2017 Fifth Third Bank, All Rights Reserved


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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