Huntington Perks Checking Review
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Earn $200 for opening a Huntington Perks Checking℠ account with qualifying requirements. Find out how to take advantage of the cash bonus promotion below.
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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.
To check your balance, visit huntington.com and log into your account. Your account number, account history (purchases, deposits and pending transactions), and balance will appear on the screen.
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.
You get certain perks such as a higher savings interest rate or monthly maintenance fees waived if you have a certain combined minimum balance across your Huntington accounts. That balance differs depending on the Huntington bank account you have.
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
U.S. Bank Smartly® Checking and Standard Savings - Up to $700 Bonus
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
Offer may not be available if you live outside of the U.S. Bank footprint or are not an existing client of U.S. Bank or State Farm.
BMO Smart Advantage Checking - $250 Cash Bonus
Open a new BMO Smart Advantage Checking account and get a $250 cash bonus when you have a cumulative total of $4,000 in qualifying direct deposits within 90 days of account opening. Offer is limited to one per customer and is not available for existing BMO personal checking customers (including signers on joint accounts) or those who have closed a BMO personal checking account within the past 12 months. Conditions apply.
Bank of America Advantage Banking - $200 Bonus Offer
- The $200 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 5/31/2024.
- To qualify, open a 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 account within 90 days of opening.
- Bank of America will attempt to pay bonus within 60 days.
- Additional terms and conditions apply. See offer page for more details.
- Bank of America, N.A. Member FDIC.
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
- ^ You will be responsible for any additional fees charged by the owner of a non-Huntington ATM as well as any international transaction or other fees charged by the network.
- ^ Monitoring Services are optional and are not available with all accounts. Enrollment requires agreement to the Services' Terms & Conditions, which include important legal terms that a customer should read carefully before deciding whether to enroll.
Chase Total Checking® - $300 Bonus
- New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities
- Access to more than 15,000 Chase ATMs and more than 4,700 branches
- 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 and Standard Savings - Up to $700 Bonus
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
Offer may not be available if you live outside of the U.S. Bank footprint or are not an existing client of U.S. Bank or State Farm.
Personal Checking Account - $200 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 - $200 Bonus Offer
- The $200 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 5/31/2024.
- To qualify, open a 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 account within 90 days of opening.
- Bank of America will attempt to pay bonus within 60 days.
- Additional terms and conditions apply. See offer page for more details.
- Bank of America, N.A. Member FDIC.
Key Select Checking® - $200 Bonus
- Open a Key Select Checking® account online by July 19, 2024.
- Make the minimum opening deposit of $50, plus one direct deposit of at least $500 within the first 60 days of account opening.
- Your $200 cash bonus will be deposited into your account within 90 days of meeting requirements. Account must not be closed or restricted during the time of promotional period.
Key Select Checking® is a premium checking account that earns interest and a $100 cash bonus year after year with qualifying activities and has a waivable monthly maintenance fee.
Amber Kong is a content specialist at CreditDonkey, a bank comparison and reviews website. Write to Amber Kong at amber.kong@creditdonkey.com. Follow us on Twitter and Facebook for our latest posts.
Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content. You do not have to use our links, but you help support CreditDonkey if you do.
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