Updated February 1, 2022

Huntington Asterisk Free Checking Review

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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 CashSM
  • 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

Does Huntington Bank have free checking?
Huntington Bank has two free checking accounts:

  • Asterisk-Free Checking with no minimum balance and no monthly maintenance fees
  • Business Checking 100 with no monthly maintenance fees and up to 100 monthly deposits

Other Huntington checking accounts have monthly maintenance fees ranging from $25 - $40.

Asterisk-Free Checking $150 Bonus

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.

Is free checking really free?
Free checking means a checking account without any monthly maintenance fees. Depending on the account, these fees range from $5 - $40 per month. Free checking accounts can save you at least $60 per year.

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

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.

Member FDIC

Chase Total Checking® - $200 Bonus

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

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
CIT Bank
Member FDIC

Money Market Account - Get a Year of Amazon Prime

To get your year of Amazon Prime ($139 cash value):
  • Open a new Money Market account using promo code AMZN22.
  • Fund your account with $15,000 within 15 days.
  • Keep a minimum balance of $15,000 for 60 days.
After 60 days, if you've fulfilled the requirements, CIT will send you an email with your Prime membership code. Existing Amazon Prime members can use the one year of Amazon Prime to renew their membership for an additional year. Limit one Money Market promotion per account and per customer. Conditions apply. See advertiser website for details.
Discover Bank
Member FDIC

Discover Online Savings - $200 Cash Bonus

To get your $150 or $200 Bonus: What to do: Apply for your first Discover Online Savings Account (online, by phone or Discover App). Enter Offer Code CY222 when applying. 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. Deposit must be posted to account within 30 days of account open date. Maximum bonus eligibility is $200.

What to know: Offer not valid for existing or prior Discover savings customers or existing or prior customers with savings accounts that are co-branded, or affinity accounts provided by Discover. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 30 days of the account qualifying for the bonus. Bonus is interest and subject to reporting on Form 1099-INT. Offer ends 06/15/2022, 11:59 PM ET. Offer may be modified or withdrawn without notice. See advertiser website for full details.

Expires 6/15/2022
TD Bank
Member FDIC

TD Beyond Checking - $300 Cash Bonus

Expires 10/31/2022
  • Earn $300 when you receive direct deposits totaling $2,500 or more within 60 days
  • Get more from your checking account. With TD Beyond Checking with Payback Plus, you'll earn interest and get reimbursed for non-TD ATM transactions, Rush Bill Payments and more.
  • Monthly maintenance fee waived when you receive monthly direct deposits of $5,000 or more, or maintain a minimum daily balance of $2,500, or a combined balance of $25,000 across eligible TD accounts.
  • TD fees waived at any ATM and non-TD fees reimbursed when you keep at least a $2,500 daily balance
  • Overdraft Payback - Get overdraft fees automatically reversed up to two times a year.
  • Get your money where it needs to go —fast— with Rush Bill Payments, Send Money with Zelle®, incoming wires and a reimbursement for one outgoing wire (domestic or international) per statement cycle.
  • TD checking accounts come with an instant-issue debit card. And, you can pay with confidence with Zero Liability protection and 24/7 fraud monitoring.
  • Monthly maintenance fee waived on one TD Simple Checking℠ account and any Savings and Money Market accounts. Plus, get free standard check orders, money orders, official bank checks and stop payments.

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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Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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