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 1.5

Our latest update includes:
- Bug fixes and performance improvements

Ratings and Reviews

2.9 out of 5
77 Ratings

77 Ratings

Bigdog1004 ,

App does not recognize a new debit card.

I liked this app for a long time. But, recently I received a new debit card and even after following the in app instructions I could not get the app to recognize one my card.
I have called customer service several times and they were unable to help. In fact my most recent attempt today customer service told me they only take care of checking and savings accounts.
They said the app is not theirs and they do not have means to support it.
Still have not got it fixed so it works right.
You guys need to fix the issue with the card update screen.
Update: I eventually had to delete and reinstall the app. Hopefully it’s doing what I want it to do now...

Developer Response ,

Hey Bigdog1004 - We're here to help. Please call us at 877-833-9973 for assistance.

KaylaBar9 ,

53rd Giving me Extra “momentum”

I have seen similar apps or programs that allow you to make small change amount payments towards student loans but never used them. I am SO happy 53rd offers this and wish I had found it earlier! I have a story that unfortunately matches a lot of individuals my age: Attended college through financial aid to pursue my dream of working in healthcare. I was hired 2 weeks after graduating with a degree board certification as an Athletic Trainer and things seemed awesome! Unfortunately my field is one of “passion” and not “fortune” so my government and private loans came in FAST. I now have the peace of mind that although I can’t afford to make larger extra payments 53rd allows me to chip away at my debt effortlessly. I am on track to a better financial future and so happy they made an app that was SO SIMPLE to follow. Took about 2 minutes to pull up my info and enter it. Afternoon coffee=rounded up towards my debt. Woohoo!

Developer Response ,

Thank you! We love that you love the app! ♥️

Dean CM. ,

Good, but app could give more details

I really like the function of this app and it has really helped pay down my loans.

One request: it would be really nice to see within the app, current rounds-up that have not been dispersed to your loan. Currently you get a running total of all of your round ups and payments per month, but, in addition, it would nice to see which rounds-up that have not been applied to your loan via a payment. (Ex. I see a payment was dispersed Friday for 5.50, but I have had several roundups in and around Friday. No way to tell without manually tracking how much is building up for the next payment, unless the following Friday, I see another payment was made, but then the cycle continues). Would be nice to see a field named something fitting, like: ‘unpaid round ups’.

Developer Response ,

Thank you for your review; we appreciate your suggestion and will pass this along to our team!


FifthThird Bank
31 MB

Requires iOS 9.2 or later. Compatible with iPhone, iPad, and iPod touch.



Age Rating


  • Family Sharing

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

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