Updated July 29, 2022

Huntington Asterisk Free Checking Review

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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 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.

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 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.

Other Bank Offers You Might Like

When choosing an account type, which is your top priority?

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.

Chase
Member FDIC

Chase Total Checking® - $200 Bonus

Expires 10/19/2022
  • 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℠ - no overdraft fee 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*

*With Chase Overdraft Assist℠, we won't charge an Insufficient Funds Fee 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 you bring your account balance to overdrawn by $50 or less at the end the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts.

Citibank

Citi Priority Account - Earn up to $2,000 Cash Bonus

Expires 1/9/2023
  • Earn up to $2,000 cash bonus when you open a new eligible Citi Priority Checking Account with required activities
  • Within 20 days of opening, deposit the minimum amount of new-to-Citibank funds.
  • Maintain a minimum balance for 60 consecutive calendar days from the 21st day.
  • If your balance falls to a lower tier at any point during the maintenance period, the bonus changes.
  • Bonus will be paid within 30 days after you successfully complete all required activities.
CIT Bank
Member FDIC

CIT Bank Savings Connect - 2.40% APY

  • Earn 14x the national average
  • $100 minimum opening deposit
  • No monthly maintenance fee
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, in the Discover App or by phone. Enter Offer Code CY922 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 12/15/2022, 11:59 PM ET. Offer may be modified or withdrawn without notice. See advertiser website for full details.

Expires 12/15/2022
Bluevine

Business Checking - Up to 1.5% APY

  • 1.5% APY on your balance up to $100,000 for customers that meet monthly eligibility requirements
  • $0 minimum opening deposit
  • $0 monthly service fee
Banking services provided by Coastal Community Bank, Member FDIC

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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