Fifth Third Access 360° Prepaid Card Review

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Access 360° is a prepaid MasterCard debit card issued by Fifth Third Bank. This prepaid card offers more or less the same benefits as others prepaid cards on the market but includes a feature that allows the customer to add a co-account holder to their card.

How is Fifth Third Access 360° rated?


Overall Rating: 0 / 10 (N/A)

The Fifth Access 360 Prepaid Card includes a feature that allows customers to add a co-account holder, which is great for teens and students who are starting to learn how to track and control their spending. Additionally, this card offers one of the largest free ATM networks, with access to more than 45,000 ATMs.

Fifth Third Access 360° Card Characteristics

Card Characteristics - 0 / 10

The Fifth Access 360 has a $4 monthly fee that is waived with $500 or more in monthly deposits, or with a Fifth Third checking account. The card does not include activation, reload, or inactivity fees. Likewise, customers can easily load money (deposit cash, sign up for direct deposit or transfer funds) and track purchases with the mobile app or online banking. On the downside, the card is not available in every state and there is no savings accounts feature.

Card Balance

Minimum Balance
Maximum Balance


Daily Direct Deposit Limit
Smart Chip

Fees & Penalties

  • Monthly Fee
  • ATM Operator Fee
  • Foreign Transaction Fee
  • Cash Withdrawal Fee
  • Over the Counter Cash Withdrawal Fee

Fifth Third Access 360° Additional Services

Additional Services - 0 / 10

Access 360 offers a MasterCard debit card including purchase and theft protection, travel assistance, zero liability, and online purchase protection. Card users can also manage their account completely online, with budgeting features, online bill pay, and instant transfer automatically included as features.


  • No Credit Check
  • Text Alerts
  • Online Account Management
  • Mobile App
  • Budgeting Features
  • Instant Transfer
  • Purchase Protection
  • Online Bill Pay
  • Sub-Accounts for Family Members

Fifth Third Access 360° Customer Experience

Customer Experience - 0 / 10

Fifth Third Bank, the parent company and issuer of Access 360, holds an excellent rating with the Better Business Bureau. However, the company has received numerous complaints regarding customer service, and billing/collection issues. In 2015, the Consumer Finance Protection Bureau took action against Fifth Third Bank for deceptive marketing of card add-on products and auto-lending discrimination and illegal credit practices. This issue is still unresolved.

Help & Support

  • Live Chat

Reviews and Complaints

BBB Rating
CFPB Total Complaints
Date Collected

Company Profile

Full Name
Fifth Third Access 360° Prepaid Card
Company Website
38 Fountain Square Plaza, Cincinnati, OH, 45202

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Top Rated
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