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1st, you don't save how you acquired the S5. If, for example, you received it from a carrier and signed a two year contract with them, it ain't nice to unlock it and then use someone else's SIM card for a different carrier. If you just purchased the phone in the clear without a contract, then you have to buy an unlock code.
Search on eBay or Amazon for unlock codes, there are some vendors who are selling the codes that will unlock the phone. Doing it that way, you won't have to root the phone.
Here is a neat article on the lock codes
* Unlocked? Confused about locked vs. unlocked phones? Ask Maggie explains - CNET