Huntington Perks Checking Review

Earn $200 for opening a Huntington Perks Checking℠ account with qualifying requirements. Find out how to take advantage of the cash bonus promotion below.

With the Huntington Perks Checking Account, you can enjoy 5 non-Huntington ATM withdrawals per month and credit score monitoring at no added cost. Not to mention other rewarding benefits.

Read this review for the checking account's features, fees, and requirements.

What is the Huntington Perks Checking Account?

Huntington Perks Checking earns interest on deposits plus other nice perks.

Main features

• Five fee-free, non-Huntington ATM withdrawals per statement ^[1]
  
• Credit score monitoring at no added cost ^[2]
  
• No overdraft fee $50 Safety Zone℠ and 24-Hour Grace®
  
• Extra money when you need it with Standby Cash℠
  
• Get paid up to two days early with Early Pay

Huntington Perks Checking Bonus

Follow the steps below to earn the $200 cash bonus:

• Open a Huntington Perks Checking account online or with a local branch.
  
• Make cumulative new money deposits of at least $1,000 within 60 days of account opening and keep your account open for a minimum of 90 days
  
• After meeting the deposit requirement, your $200 bonus will be deposited into your new checking account within 14 days.
  
• Your checking account must remain in open status to receive the bonus.

Who can apply online:

• Must be 18 years old or older
  
• U.S. citizen
  
• Resident of Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania, or West Virginia
  
• Opening either an individual or joint account

You'll need to provide a U.S. government-issued ID like a driver's license or passport, and Social Security number.

Does Huntington Perks Charge a Monthly Fee?

The Huntington Perks Checking account has a few fees to be aware of. See below:

Fees to watch out for

• Monthly service fee - $10 a month (or $0 if you have $5,000 in total relationship balances)
  
• Out-of-network ATM fees - $3
  
• Overdraft fee - $23 - $37.50

Does Huntington Perks Have a Minimum Balance?

There is no minimum balance to open a Huntington Perks account. But you will need to maintain a combined minimum balance of $5,000 across your Huntington accounts to waive the $10 monthly service fee.

Compare Huntington Checking

Right now, you can earn a $300 cash bonus for opening a Huntington Platinum Perks Checking℠ account with qualifying requirements. No direct deposit or minimum opening deposit required.

This interest yielding checking account also comes with relationship benefits (more in a sec).

Main features

• Earn 0.03% APY interest on your account balance
  
• Credit score and identity monitoring at no added cost
  
• Unlimited free non-Huntington ATM withdrawals
  
• Free checks
  
• 24-hour grace period for overdraft fees

Fees to watch out for

• Monthly service fee - $25 a month (or $0 if you have $25,000 in total relationship balances)
  
• Overdraft fee - $23 - $37.50
  
• Negative account balance fee - $25 every 5 days

Huntington Savings Accounts

Huntington Bank offers a few savings and money market accounts. You can set up scheduled transfers from your checking account to help you reach your savings goals. You earn a modest APY that's similar to most traditional brick-and-mortar banks.

If you want a high-yield savings account that packs more of a punch, check out these options.

That said, check out the regional bank's savings products:

• Huntington Relationship Money Market Account - You can earn interest on all balances above $25,000. You get a higher APY if you also have a Huntington Perks or Huntington Platinum Perks Checking account. No monthly maintenance fee.

• Huntington Relationship Savings - You get a higher APY if you also have a Huntington Perks or Huntington Platinum Perks Checking account. There's free checking overdraft protection and no monthly maintenance fee.

• Huntington Premier Savings - The FDIC-insured account has free checking overdraft protection and no monthly maintenance fee.

Alternatives to Huntington Perks You Might Like

Member FDIC

Bank of America Advantage Banking - $300 Bonus Offer

Learn More

Expires 1/31/2025

• 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.

Member FDIC

U.S. Bank Smartly® Checking - Up to $450 Bonus

Earn up to $450 when you open a new U.S. Bank Smartly® Checking account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through December 30, 2024. Member FDIC.

Earn up to $450 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 deposits(s) totaling $2,000 to $4,999.99 to earn $250, $5,000 to $7,999.99 to earn $350 or $8,000 or more to earn $450.

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.

Learn More

Expires 12/30/2024

Member FDIC

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 January 2, 2025, 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.

Get Deal

Expires 1/2/2025

What Are the 4 Main Types of Checking Accounts?

These are the most popular and common types of checking accounts at banks and credit unions:

• Traditional checking account - You normally get checks, a debit or ATM card and online banking. You usually need to maintain a certain balance to waive the monthly maintenance fee.

• Interest-bearing checking - To earn a high APY, you need to fulfill requirements like direct deposit or a minimum number of debit card transactions.

• Student checking account - Geared toward students age 18 - 23. You usually don't have maintenance fees and might enjoy other perks like overdraft forgiveness.

• Business checking - These accounts help separate personal and business expenses.

Bottom Line

Huntington Perks Checking gets you 5 fee-free non-Huntington ATM withdrawals per statement and interest on your balance.

And that $200 cash bonus is a nice way to choose your Huntington Perks checking account.

You need a pretty high balance ($5,000) across your Huntington accounts to waive the monthly maintenance fee. But their generous overdraft policy is pretty attractive for customers.

References