Huntington Asterisk Free Checking Review

Huntington Bank is offering a $150 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

Asterisk-Free Checking $150 Bonus

Member FDIC

Asterisk-Free Checking® - $150 Bonus

To qualify for the $150 cash bonus, you are required to open a new, qualifying Asterisk Free Checking®, Huntington 5 Checking®, or Huntington 25 Checking® account during the promotional period between February 1, 2022 and June 7, 2022 and make cumulative new money deposits into the checking account of at least $1,000 or more within 60 days of account opening. "New money" is defined as money that is not currently on deposit in any Huntington account (except maturing CDs). Account must maintain an open status for at least 90 days before it is eligible for the bonus payment.

Click Here to Get $150 Bonus

Expires 6/7/2022

Here's how to earn the $150 bonus:

• Open a Huntington Asterisks-Free Checking account online
  
• 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 $150 bonus will be deposited into your new checking account within 14 days. Your checking account must remain open 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.

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 5 Checking®
  
• Huntington 25 Checking®

Compare Other Huntington Bank Accounts

Huntington's three core checking products are: Asterisk-Free, Huntington 25, and Huntington 5. They all share Huntington's 24-hour grace period for overdrafts. Take a look at their key differences below.

• Huntington 25 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 5 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 $5 per month. You can waive the fee if you have $5,000 in total relationship balances.

Other Bank Offers You Might Like

Member FDIC

Chase Total Checking® - $200 Bonus

Click Here to Get $200 Coupon

Expires 7/20/2022

• New Chase checking customers enjoy a $200 bonus when you open a Chase Total Checking® account and set up direct deposit
• Access to 16,000 Chase ATMs and more than 4,700 branches
• Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
• 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℠: $0 overdraft fee when you overdraw your account $50 or less*

*We won't charge an overdraft fee if you are overdrawn $50 or less at the end of the business day. Chase may pay, for a $34 fee, overdraft transactions at our discretion based on your account history, deposits and transaction amount. If you've enrolled in Debit Card Coverage, everyday debit card purchases like groceries, may be approved at our discretion when you don't have enough money in your account.

Citi Priority Account - Up to $1,500 Cash Bonus

Apply Now

Expires 7/17/2022

• Earn up to $1,500 cash bonus when you open a new account with required activities
• Open a new eligible checking account in the Citi Priority Account during the offer period 1/5/22-7/17/22
• Within 20 days of opening, deposit $50,000 in New-To Citibank funds between the new checking and savings accounts
• Maintain a minimum balance of $50,000 in the checking account for an additional 60 consecutive calendar days from the 21st day
• After all required activities are met, the cash bonus will be deposited to your account within 90 calendar days

Member FDIC

CIT Bank Savings Connect - 0.90% APY

Learn More

• Earn a competitive high yield savings rate with access and convenience features of an eChecking account.
• Earn 0.90% APY on Savings Connect and up to 0.25% APY on eChecking.
• Minimum of $100 for both the Savings Connect and eChecking to open ($200 total)

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.

Plus, that $150 will be a nice boost to your savings.