Fifth Third Routing Number

042200087
ACH

Routing Number 042200087 Details

Routing Number 042200087
Bank Fifth Third
State / Region Kentucky
Type ACH

Is 042200087 Valid?

Yes — 042200087 is a valid ABA routing number assigned to Fifth Third for Kentucky. It is used for ACH transfers (direct deposit, bill pay, electronic payments).

What Does 042200087 Mean?

Every ABA routing number is a 9-digit code that identifies both the Federal Reserve district and the specific financial institution. Here's how 042200087 breaks down:

DigitsValueMeaning
1–40422Federal Reserve routing symbol (Cleveland district)
5–80008Fifth Third institution identifier
97Check digit (validates the number)

The first two digits (04) indicate the Federal Reserve Bank that serves this institution — in this case, the Federal Reserve Bank of Cleveland. The check digit is calculated using a weighted algorithm to prevent transcription errors.

ACH vs. Wire Transfers: When to Use 042200087

This is an ACH-only routing number. Fifth Third uses a separate routing number for wire transfers.

ACH Transfers

  • Direct deposit (payroll)
  • Bill payments
  • Tax refunds
  • Recurring transfers

Typically 1–3 business days. Free or low-cost.

Wire Transfers

  • Large one-time payments
  • Real estate closings
  • International transfers
  • Time-sensitive payments

Same-day settlement. Usually $15–$30 fee.

How to Find Your Fifth Third Routing Number

If you need to verify that 042200087 is the correct routing number for your account, you can check in several places:

  1. Your checkbook — The routing number is the first 9 digits at the bottom-left of any personal check, before your account number.
  2. Online banking — Log in to Fifth Third and look under account details or settings.
  3. Mobile app — Most banking apps show the routing number on the account summary screen.
  4. Customer service — Call Fifth Third to confirm over the phone.

Your routing number is based on the state where you opened your account, not your current address. If you opened your Fifth Third account in Kentucky, 042200087 is likely the correct number.

Other Fifth Third Routing Numbers

Routing Number State / Region Type
042000314 Ohio ACH & Wire
061101375 Georgia ACH
063109935 Florida ACH
071923909 Illinois ACH

Frequently Asked Questions

Yes, 042200087 is the ACH routing number for Fifth Third in Kentucky.

Routing number 042200087 belongs to Fifth Third. It is used for Kentucky.

This routing number is used for ACH transfers including direct deposit, bill payments, and electronic transfers. For wire transfers, Fifth Third may use a different routing number.

Yes, you can use 042200087 to set up direct deposit for your Fifth Third account in Kentucky. You'll also need your account number, which you can find in your online banking portal or on a check.

A routing number like 042200087 identifies the bank and branch (Fifth Third, Kentucky), while your account number identifies your specific account at that bank. Both are needed for transfers. On a check, the routing number is the first 9 digits at the bottom left, followed by your account number.

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