Huntington Asterisk Free Checking Review

Huntington Bank is offering a $0 bonus when you open a new Asterisk-Free Checking® account with qualifying requirements. Find out how to take advantage of the promotion.

Huntington's Asterisk-Free Checking has no monthly maintenance fees, no minimum balance, and a generous overdraft policy.

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

What is Asterisk-Free Checking?

Huntington Bank's Asterisk-Free Checking is free to open and includes a lenient overdraft policy.

There is no monthly maintenance fee, no minimum balance requirement, and no direct deposit requirement.

Account Features:

• Free to open and maintain
  
• No minimum balance requirement
  
• No overdraft fee if the transaction is $50 or less
  
• 24-Hour Grace® period for overdraft transactions over $50
  
• Extra money when you need it with Standby Cash^SM
  
• Money Scout® automated savings tool

Huntington Asterisk-Free Checking Fees

Huntington's Asterisk-Free Checking has no monthly maintenance fee, no overdraft fee (if the transaction is less than $50), and is free to open.

There are a few fees to watch out for, however these can be easily avoided:

• Out of network ATM fees - $3 plus any fee charged by ATM owner
  
• Each Huntington ATM extended statement - $2
  
• International transactions - 3%
  
• Checking reserve account - $12
  
• Overdraft fee (if transaction is >$50) - $37.50
  
• Return overdraft fee - $37.50
  
• Extended overdraft - $25

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.

What is the Minimum Balance for a Huntington Checking Account?

There is no minimum balance requirement for the Huntington checking accounts:

• Asterisk-Free Checking®
  
• Huntington Perks Checking℠
  
• Huntington Platinum Perks Checking℠

Compare Other Huntington Bank Accounts

Huntington's three core checking products are: Asterisk-Free, Huntington Perks, and Huntington Platinum Perks. They all share Huntington's 24-hour grace period for overdrafts. Take a look at their key differences below.

• Huntington Platinum Perks checking - You can earn 0.03% APY interest on your account balance. You get credit score and identity monitoring at no added cost, unlimited free non-Huntington ATM withdrawals, and free checks.

  There is a monthly service fee of $25 per month. You can waive the fee if you have $25,000 in total relationship balances.

• Huntington Perks checking - You can earn interest on your account balance. You get your credit score and identity monitoring at no added cost and five fee-free, non-Huntington ATM withdrawals per statement.

  There is a monthly service fee of $10 per month. You can waive the fee if you have $5,000 in total relationship balances.

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U.S. Bank Smartly® Checking and Standard Savings - Up to $700 Bonus

Earn up to $700 when you open a new U.S. Bank Smartly® Checking account and a Standard Savings account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through June 27, 2024. Member FDIC.

Earn up to $500 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 $100, $5,000 to $9,999.99 to earn $300 or $10,000 or more to earn $500

Earn up to $200 with a new Standard Savings account.

• Make new money deposit(s) totaling $15,000 or more by July 17, 2024
• Maintain that balance until October 31, 2024

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BMO Smart Advantage Checking - $250 Cash Bonus

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Bottom Line

Asterisk-Free checking is a no-frills, simple checking account. There's no monthly fee, a 24-hour grace period on overdrafts, and mobile banking available. However, the account does not pay interest, so you can't grow your balance.

If you're like most people, overdrafts are your biggest source of pesky fees. Residents of Ohio, Illinois, Indiana, Kentucky, Michigan, Pennsylvania, and West Virginia should look into this account.