Huntington Bank Review
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Huntington Bank provides great accounts benefits like free Overdraft Protection Transfers. Read on to see if this bank is right for you.
Overall Score | 3.9 | ||
Savings | 3.5 | ||
CD | 4.0 | ||
Checking | 4.5 | ||
Money Market | 3.0 | ||
Mobile App | 3.5 | ||
Customer Service | 5.0 | ||
Pros and Cons
- Free checking option
- 24-Hour Grace
- All day deposit
- Limited branches
- Low savings APY
Bottom Line
Midwest bank with great account benefits and free checking option
Overview
Based in Columbus, Ohio, Huntington Bank has nearly 1,200+ branches and over 1,700 ATMs throughout the Midwest.
It offers basic deposit accounts, plus:
- Mortgages
- Auto and personal loans
- Various insurance options
- Investment options
Huntington Bank has a Asterisk-Free Checking® (which is rare for traditional banks nowadays).
Plus, open a Relationship Savings or Relationship Money Market account and get the service fee waived by linking to a Huntington Perks or Huntington Platinum Perks Checking Account.
If you live in the Midwest, keep reading to see if Huntington Bank may benefit you.
Services
Whether you need a basic checking/savings account or just somewhere to park large amounts of money, Huntington Bank has a product for you.
We'll cover the different account types and the pros and cons below. But first, let's cover the current Huntington Bank promotions.
Top Promotional Codes
Personal Checking Account - $600 Bonus
Open a new Huntington Platinum Perks Checking account. Make a cumulative new money deposit into the checking account of at least $25,000 or more within 90 days of account opening. Account must remain open for at least 90 days.
This offer is only available to applicants residing in Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia or Wisconsin. $600 will be deposited to your account within 14 business days after meeting requirements.
Personal Checking Account - $400 Bonus
Open a new Huntington Perks Checking account. Set up and receive qualifying direct deposits totaling $500 or more within 90 days of account opening. Account must remain open for at least 90 days.
This offer is only available to applicants in Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia, or Wisconsin. $400 will be deposited to your account within 14 business days after meeting requirements.
Personal Checking Account - $200 Bonus
Open a new Asterisk-Free Checking account. Set up and receive qualifying direct deposits totaling $500 or more within 90 days of account opening. Account must remain open for at least 90 days.
This offer is only available to applicants in Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia, or Wisconsin. $400 will be deposited to your account within 14 business days after meeting requirements.
Business Checking Account - $1,000 Bonus
Open a new Huntington Unlimited Plus Business Checking, Business Analyzed Checking, or Non-Profit Analyzed Checking account using offer code. Make a minimum cumulative new money deposit into the new checking account of at least $20,000 within 30 days of account opening. Account must maintain an open status for at least 90 days to be eligible.
This offer is only available to applicants residing in Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia, or Wisconsin. This offer is only available to new business checking customers. All current Huntington business checking customers, including those with business checking accounts closed within the last six months, are not eligible. $1,000 bonus will be deposited to your new checking account within 14 days after completing requirements.
Business Checking Account - $400 Bonus
Open a new Huntington Unlimited Business Checking, Unlimited Plus Business Checking, Business Analyzed Checking, Non-Profit Analyzed Checking, or Non-Profit Interest Checking account. Make a minimum cumulative new money deposit into the new checking account of at least $5,000 within 60 days of account opening. Account must maintain an open status for at least 90 days to be eligible.
This offer is only available to applicants residing in Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia, or Wisconsin. This offer is only available to new business checking customers. All current Huntington business checking customers, including those with business checking accounts closed within the last six months, are not eligible. $400 bonus will be deposited to your new checking account within 14 days after completing requirements.
Business Checking Account - $100 Bonus
Open a new Huntington Business Checking 100, Huntington Unlimited Business, Huntington Unlimited Plus, Business Analyzed, Non Profit Analyzed, or Non Profit Interest Checking account. Make a minimum cumulative new money deposit into the new checking account of at least $2,000 within 60 days of account opening. Account must maintain an open status for at least 90 days.
This offer is only available to applicants residing in Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia, or Wisconsin. This offer is only available to new business checking customers. All current Huntington business checking customers, including those with business checking accounts closed within the last six months, are not eligible. $100 bonus will be deposited to your new checking account within 14 days after completing requirements.
Checking
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| © CreditDonkey |
- Asterisk Free Checking®: Good for beginner savers, the Asterisk Free Checking has no minimum required balance or monthly service fee. But this account doesn't pay any interest.
- Huntington Perks Checking℠: This account offers some interest. If you maintain a balance of $5,000, the $10 monthly fee will be waived.
For the Huntington Perks and Huntington Platinum Perks checking accounts:
Your savings or money market account balances can be combined to meet the minimum monthly balance requirement. - Huntington Platinum Perks Checking℠: The Huntington Platinum Perks checking account offers even higher interest rates. But you need a minimum balance of $25,000 to waive the $25 monthly fee.
Compare Checking Promotions
Bank of America Advantage Banking - $300 Bonus Offer
- The $300 bonus offer is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new checking customers only.
- Offer expires 01/31/2025.
- To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* totaling $2,000 or more into that new eligible account within 90 days of account opening. Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
- Once all requirements are met, Bank of America will attempt to pay bonus within 60 days.
- Additional terms and conditions apply. See offer page for more details.
- *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
- Bank of America, N.A. Member FDIC.
U.S. Bank Smartly® Checking - Up to $400 Bonus
Earn up to $400 with a new Bank Smartly Checking account. Complete the following within 90 days of account opening:
- Enroll in online banking or the U.S. Bank Mobile App
- Make two or more direct deposit(s) totaling $3,000 to $4,999.99 to earn $200 or $5,000 or more to earn $400
Fund your new account within 30 days to start qualifying activities. Offer may not be available if you are an existing U.S. Bank customer or live outside of the U.S. Bank footprint.
HSBC Premier - Earn Up to $2,500
Start an HSBC Premier relationship today. You'll enjoy premium banking with both local and global benefits and access to wealth solutions offered through HSBC Securities, (USA), Inc*.
You could earn $1,500 or $2,500 if you open a new, eligible HSBC Premier checking account from July 1, 2024 through November 22, 2024, and complete qualifying activities.
- Get a $1,500 Cash Bonus: Add New Money of $100,000 to $249,999 in deposit and/or eligible investment accounts within 20 days of opening your new checking account and maintain the Qualifying Balance for 3 full consecutive months.
- Get a $2,500 Cash Bonus: Add New Money of $250,000+ in deposit and/or eligible investment accounts within 20 days of opening your new checking account and maintain the Qualifying Balance for 3 full consecutive months.
- Cash Bonus will be deposited into your new checking account within 8 weeks of meeting all the offer requirements.
Savings
- Premier Savings: You earn basic interest rates with this simple savings account.
The $4 monthly maintenance fee is waived with a $300 average balance or by linking your savings account to an Asterisk Free Checking Account.
- Relationship Savings: For slightly higher interest on your savings, the Relationship Savings requires a minimum balance of $2,500.
You can link it to a Huntington Perks or Platinum Perks account to waive the $10 monthly service fee.
- Relationship Money Market Account: The MMA provides the "best" interest rates out of the Huntington banking products.
You need an average balance of $25,000 or you can link it to a Huntington Perks or Huntington Platinum Perks account to waive the $25 monthly fee.
Huntington Bank also offers CDs and promotional-rate CDs with varying maturity dates.
They also offer fixed rate CDs in terms up to 6 years and Jumbo CDs in terms up to 5 years.
The rates offered vary by location and must be applied for in person at a local branch.
Compare Savings Offers
High-Yield Savings Premier - 4.81% APY
- No account activity or maintenance fees
- $500 minimum opening deposit
- FDIC insured
Discover® Online Savings - $200 Cash Bonus
To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code CY924 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200.
What to know: Offer not valid for existing or prior Discover savings customers, including co-branded, or affinity accounts. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of the account qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 03/13/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding your Account, see FAQs on Discover.com/Bank. See advertiser website for full details.
CIT Bank Platinum Savings - 4.70% APY
- 4.70% APY with a balance of $5,000 or more
- 0.25% APY with a balance of less than $5,000
- $100 minimum opening deposit
- No monthly maintenance fee
- Member FDIC
Overdraft Features
One of the unique things about Huntington Bank is that they offer several options to help you avoid overdraft fees.
- 24-Hour Grace®
If you see that your account went over, you have 24 hours to get it back to a positive status to avoid an overdraft fee.[1] - $50 Safety Zone
If you accidentally overdraw your account by $50 or less, you won't be charged an overdraft fee.[2] If you're overdrawn by more than $50, you can fix it with 24-Hour Grace®. - Free Overdraft Protection Transfers
If you link a Huntington Bank savings or money market account, money can be transferred to cover overdrafts in increments of $100. There is $0 transfer fee.
Huntington Bank Checking Features
Huntington Bank offers a tons of features that show they're truly looking out for their customers.
- Standby Cash®
You can qualify for a $100 to $1,000 line of credit (based on your checking deposit history). You have 3 months to pay it back, and it's free when you set up automatic payments. Otherwise, there's a 1% monthly interest charge (12% APR) on the outstanding balances.[3] - Early Pay
You can be eligible to get paid up to two days early. You must have a Huntington checking account and set up a recurring direct deposit.[4] - Mobile check deposits
Using the Huntington Bank mobile app, simply enter the information and snap a picture of the front and back of the check to make the deposit. - All-day deposit
You have until midnight to make deposits via an ATM or the mobile app. Cash deposits will be available the same day as the day your deposit is received. Check deposits will be a part of your available balance the next business day after the day your deposit is received.For new Huntington customers of less than 30 days, the first $500 of a check is available the next business day with the remainder available after two business days. - Easy mobile banking
Check your balances, transfer money, or pay bills on-the-go with your phone. You can also use the "Quick Balance" feature to check your balance without logging into the full account.The app is available in the Apple and Google Play store.
Is Huntington Bank safe?
Your deposits with Huntington are FDIC insured up to $250,000. This protects your money should Huntington Bank go out of business. - Free linked savings account
Open a Relationship Savings or Relationship Money Market Account and get the service fee waived by linking to a Huntington Perks or Huntington Platinum Perks Checking account. - Money Scout®
This tool analyzes your spending habits, income, and upcoming expenses to find extra money you may have. It'll automatically move $5 - $50 at a time into your savings account. You can customize the amount and pause/cancel at any time.[5] - The Hub
Your account comes with a suite of tools to help you create a custom budget and track your spending.[6] - Email and text alerts
Choose among a variety of alerts including low balance, deposit, withdrawal, balance below $0, and bill payment alerts.
You can reach Huntington Bank Customer Service representatives around the clock by calling 1-800-480-2265.
They also have an in-depth customer service page on their website to answer the most frequently asked questions and provide helpful descriptions on products.
Reasons to Look Elsewhere
- Huntington Bank is mostly located in the Midwest
They don't offer online bank accounts nationwide like other banks. Which means, if you don't live in one of the states they service, you can't open an account. - Steep minimum balance requirements on interest-bearing accounts
For the Huntington Perks or Huntington Platinum Perks Checking accounts, the minimum balances needed to waive monthly service fees are high.There is a free checking option, but it doesn't earn interest.
- High balance required to earn higher interest
To earn the "best" interest rates, you'll need a minimum balance of $25,000 in your Huntington Bank Relationship Money Market Account.If you want to bump the rate up even further, you'll have to link it to a Huntington Perks or Huntington Platinum Perks Checking Account. These accounts require a $5,000 and $25,000 balance, respectively.
Huntington Bank offers a variety of investment products, including stocks, bonds, mutual funds, annuities, and retirement plans.
Whether you are saving for retirement, college, long-term care, charity, or any other need, Huntington specialists can help you find the products you need to grow your investments while minding your risk tolerance.
How It Compares
Fifth Third:
Also based in Ohio, Fifth Third serves customers in ten states in the South and Southeast.
It offer similar checking and savings programs. But Fifth Third has a hard and fast $1,500 minimum rule to avoid paying hefty maintenance fees.
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| Learn More | Visit Site | |
Huntington Bank | Fifth Third Bank | |
|---|---|---|
Personal Checking Account - $600 Bonus - | Personal Checking Account - $400 Bonus - | |
Benefits and Features | ||
| Savings | 0.01% APY (Premier Savings). $4 monthly fee, unless you have 1) daily average balance of $300, or 2) linked to a Huntington Asterisk-Free Checking Account. Minimum deposit of $50. | |
| CD | 0.50% APY for amounts ranging from $1,000 to $99,999.99. Minimum deposit is $1,000. | 0.01% APY. Terms ranging from 7 days to 84 months, minimum deposit of $500. Featured CD: 2.00% to 4.00% APY. Terms are 4, 8, 12, and 24 months, minimum deposit of $5,000. |
| Checking |
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| Money Market | 0.05% APY for amounts of $25,000 to $2,000,000. $25 monthly maintenance fee unless there is 1) average daily balance of $25,000, or 2) linked to a Huntington Perks or Huntington Platinum Perks Checking account. | 0.01% APY Standard Rate (0.01% Relationship Rate) |
| ATMs | Allpoint® and 7-Eleven® network of ATMs. More than 40,000 fee-free ATMs nationwide. | |
| Customer Service |
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| Locations | ||
| Learn More | Visit Site | |
Huntington: Pricing information from published website as of 10/27/2024 based on 43215 zip code. Fifth Third Bank: Pricing information from published website as of 10/30/2024 based on 45202 zip code. | ||
PNC:
PNC branches are spread throughout 29 states and D.C. and has 60,000 PNC and partner ATMs nationwide.
They offer a unique product called the Virtual Wallet, which combines a primary checking, interest-bearing checking, and savings account. This account helps you earn the most interest on your money as you learn to save.
PNC has hefty monthly maintenance fees and tough requirements to waive the fees, however.
Huntington Bank | PNC Bank | |
|---|---|---|
Personal Checking Account - $600 Bonus - | High Yield Savings Account - 4.25% APY - | |
Benefits and Features | ||
| Savings | 0.01% APY (Premier Savings). $4 monthly fee, unless you have 1) daily average balance of $300, or 2) linked to a Huntington Asterisk-Free Checking Account. Minimum deposit of $50. | Up to 4.25% APY. Only available in eligible markets. |
| CD | 0.50% APY for amounts ranging from $1,000 to $99,999.99. Minimum deposit is $1,000. | 0.01% to 4.30% APY. Terms of 7 days to 10 years. |
| Checking |
|
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| Money Market | 0.05% APY for amounts of $25,000 to $2,000,000. $25 monthly maintenance fee unless there is 1) average daily balance of $25,000, or 2) linked to a Huntington Perks or Huntington Platinum Perks Checking account. | Up to 0.05% APY. Only available in eligible markets. |
| Mobile App | ||
| ATMs | Approximately 60,000 PNC and partner ATMs | |
| Customer Service |
| |
| Locations | ||
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Huntington: Pricing information from published website as of 10/27/2024 based on 43215 zip code. PNC Bank: Pricing information from published website as of 10/02/2024 based on 91107 zip code. | ||
Citizens Bank:
Predominately located in the Northeast, Citizens Bank is good for those looking for a basic checking or savings account.
Their premium accounts offer minimal interest rates. But they offer a motivational savings program to help you get ahead.
Huntington Bank | Citizens Bank | |
|---|---|---|
Personal Checking Account - $600 Bonus - | Personal Checking and Savings Account - $400 Bonus - | |
Benefits and Features | ||
| Savings | 0.01% APY (Premier Savings). $4 monthly fee, unless you have 1) daily average balance of $300, or 2) linked to a Huntington Asterisk-Free Checking Account. Minimum deposit of $50. | Several types of Savings accounts. 0.01% APY. No minimum opening deposit. $4.99 monthly maintenance fee, unless you have a minimum daily balance of $200 in your account, or have a qualifying Citizens Bank checkings account. |
| CD | 0.50% APY for amounts ranging from $1,000 to $99,999.99. Minimum deposit is $1,000. | Several types of CD accounts. Terms ranging from 7-14 month. 2.75% - 4.50% APY. Some APY rates may require qualifying Citizens Bank Checking Account. Minimum opening deposit $1000 for all accounts. |
| Checking |
| |
| Money Market | 0.05% APY for amounts of $25,000 to $2,000,000. $25 monthly maintenance fee unless there is 1) average daily balance of $25,000, or 2) linked to a Huntington Perks or Huntington Platinum Perks Checking account. | Several types of Money Market accounts. 0.01% APY. No minimum opening deposit. Monthly maintenance fee of $10, unless you have a minimum daily balance of $2500. Other Money Market accounts have no monthly maintenance fee but require qualifying Citizens Bank Checking Account. |
| ATMs | ||
| Customer Service | 24/7 Telephone Customer Service | |
| Locations | ||
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Huntington: Pricing information from published website as of 10/27/2024 based on 43215 zip code. Citizens Bank: Pricing information from published website as of 10/02/2024 based on 10011 zip code. | ||
FAQ
What do I need to open a Huntington bank account?
You can open a Huntington bank account either online or in-person. You will need to provide:
- Name
- Social Security Number
- Government issued ID (license or passport)
- A means to fund the account
How much can I withdraw from Huntington Bank?
Huntington Bank has a $400 daily ATM cash withdrawal limit and a $400 daily debit card purchase limit at POS terminals.
How long does it take for a check to clear at Huntington Bank?
If you had your Huntington Bank account open for over 30 days, your check will clear the first business day after the business day of deposit.
If you had your Huntington Bank account 30 days or less, first you'll get up to $500 the first business day after the business day of deposit. You'll get the rest of the funds the next business day after that.
Bottom Line
Every consumer has different banking needs. Consider how much you keep in your bank accounts normally to determine which bank offers the best deal.
Don't focus strictly on interest rates, as many more factors come into play. If you pay excessive monthly fees, it can take away from the interest earned.
Choose the bank that offers the right balance between the required balance, monthly fees, and interest rates to make the most out of your finances.
References
- ^ Huntington. 24-Hour Grace® Overdraft and Return Fee Relief, Retrieved 4/14/22
- ^ Huntington. $50 Safety Zone, Retrieved 4/14/22
- ^ Huntington. Introducing Standby Cash®, Retrieved 4/14/22
- ^ Huntington. Introducing Early Pay, Retrieved 4/14/22
- ^ Huntington. Money Scout®, Retrieved 4/14/22
- ^ Huntington. Money Management. Made Simple., Retrieved 4/14/22
Chase Total Checking® - $300 Bonus
- New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities
- With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.
- Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
- JPMorgan Chase Bank, N.A. Member FDIC
- Open your account online now
- Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
- Chase Overdraft Assist℠ - no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
U.S. Bank Smartly® Checking - Up to $400 Bonus
Earn up to $400 with a new Bank Smartly Checking account. Complete the following within 90 days of account opening:
- Enroll in online banking or the U.S. Bank Mobile App
- Make two or more direct deposit(s) totaling $3,000 to $4,999.99 to earn $200 or $5,000 or more to earn $400
Fund your new account within 30 days to start qualifying activities. Offer may not be available if you are an existing U.S. Bank customer or live outside of the U.S. Bank footprint.
Personal Checking Account - $400 Bonus
Open an eligible Fifth Third checking account. Make direct deposits totaling $500 or more within 90 days of account opening to qualify for bonus. The cash bonus will be deposited into your new checking account within 10 business days of completing qualifying activity requirements.
Bank of America Advantage Banking - $300 Bonus Offer
- The $300 bonus offer is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new checking customers only.
- Offer expires 01/31/2025.
- To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* totaling $2,000 or more into that new eligible account within 90 days of account opening. Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
- Once all requirements are met, Bank of America will attempt to pay bonus within 60 days.
- Additional terms and conditions apply. See offer page for more details.
- *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
- Bank of America, N.A. Member FDIC.
Key Smart Checking® - $300 Bonus
- Open a Key Smart Checking® account online by December 13, 2024.
- Make the minimum opening deposit of $10, plus one eligible direct deposit of at least $1,000 within the first 60 days of account opening.
- Your $300 cash bonus will be deposited into your account within 60 days of meeting requirements. Account must not be closed at the time of gift payment.
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