July 8, 2021 3:00 PM PT

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

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 July 1, 2021 and October 7, 2021 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.

Expires 10/7/2021

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 0.05% 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.

Huntington Savings Accounts

Huntington Bank offers three different savings accounts:

  • Business Premier Plus Money Market Account
  • Business Premier Savings
  • Business CD

You get perks like email and text alerts, overdraft protection, and the Huntington Debit Mastercard.

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.

Amber Kong is a content and creative 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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