Huntington Bank Review
Huntington Bank provides great accounts benefits like free Overdraft Protection Transfers. Read on to see if this bank is right for you.
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Huntington 25 Checking® - $300 Bonus | |||
Overall Score | 3.9 | ||
Savings | 3.5 | ||
CD | 4.0 | ||
Checking | 4.5 | ||
Money Market | 3.0 | ||
Customer Service | 5.0 | ||
Mobile App | 3.5 | ||
Pros and Cons
- Free checking option
- 24-Hour Grace
- All day deposit
- Limited branches
- Low savings APY
Bottom Line
Midwest bank with great account benefits and free checking option
Overview
Based in Columbus, Ohio, Huntington Bank has nearly 1,000+ branches and over 1,800 ATMs throughout the Midwest.
It offers basic deposit accounts, plus:
- Mortgages
- Auto and personal loans
- Various insurance options
- Investment options
Huntington Bank has a Asterisk-Free Checking® (which is rare for traditional banks nowadays).
Plus, open a Relationship Savings or Relationship Money Market account and get the service fee waived by linking to a Huntington 5® or Huntington 25 Checking® Account.
If you live in the Midwest, keep reading to see if Huntington Bank may benefit you.
Services
Whether you need a basic checking/savings account or just somewhere to park large amounts of money, Huntington Bank has a product for you.
We'll cover the different account types and the pros and cons below. But first, let's cover the current Huntington Bank promotions.
Top Promotional Codes
Huntington 25 Checking® - $300 Bonus
To qualify for the $300 cash bonus, you are required to open a new, qualifying Huntington 25 Checking® 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 $25,000 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.
Huntington 5 Checking® - $200 Bonus
To qualify for the $200 cash bonus, you are required to open a new, qualifying 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.
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.
Business Checking 100 - $100 Bonus
To be eligible for the $100 cash bonus, business customer must open a new Huntington Business Checking 100, Unlimited Business, Unlimited Plus Business, Business Analyzed, Business Non Profit Analyzed, or Business Non Profit Interest Checking account by July 7, 2022 then make a minimum cumulative new money deposit into the new checking account of at least $2,000 within 60 days of account opening.
"New money" is defined as money that is not currently on deposit in any Huntington account (except maturing business CDs). Account must maintain an open status for at least 90 days before it is eligible for the bonus payment. All new accounts subject to account opening approval and account conversions are not eligible. An Early Account Closing Fee will apply to accounts closed within 180 days of opening.
Unlimited Business Checking - $400 Bonus
To be eligible for the $400 cash bonus, business customer must open a new Huntington Unlimited Business, Unlimited Plus Business, Business Analyzed, Business Non Profit Analyzed, or Business Non Profit Interest Checking account by July 7, 2022, then make a minimum cumulative new money deposit into the new checking account of at least $5,000 within 60 days of account opening.
"New money" is defined as money that is not currently on deposit in any Huntington account (except maturing business CDs). Account must maintain an open status for at least 90 days before it is eligible for the bonus payment. All new accounts subject to account opening approval and account conversions are not eligible. An Early Account Closing Fee will apply to accounts closed within 180 days of opening.
Unlimited Plus Business Checking - $750 Bonus
To be eligible for the $750 cash bonus, business customer must open a new Huntington Unlimited Plus Business, Business Analyzed or Business Non Profit Analyzed Checking by July 7, 2022, then make a minimum cumulative new money deposit into the new checking account of at least $20,000 within 60 days of account opening.
"New money" is defined as money that is not currently on deposit in any Huntington account (except maturing business CDs). Account must maintain an open status for at least 90 days before it is eligible for the bonus payment. All new accounts subject to account opening approval and account conversions are not eligible. An Early Account Closing Fee will apply to accounts closed within 180 days of opening.
Checking
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- Asterisk Free Checking®: Good for beginner savers, the Asterisk Free Checking has no minimum required balance or monthly service fee. But this account doesn't pay any interest.
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.
- Huntington 5 Checking®: This account offers some interest. If you maintain a balance of $5,000, the $5 monthly fee will be waived.
Huntington 5 Checking® - $200 Bonus
To qualify for the $200 cash bonus, you are required to open a new, qualifying 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.
For the Huntington 5 and Huntington 25 checking accounts:
Your savings or money market account balances can be combined to meet the minimum monthly balance requirement. - Huntington 25 Checking®: The Huntington 25 checking account offers even higher interest rates. But you need a minimum balance of $25,000 to waive the $25 monthly fee.
Huntington 25 Checking® - $300 Bonus
To qualify for the $300 cash bonus, you are required to open a new, qualifying Huntington 25 Checking® 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 $25,000 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.
Savings
- Premier Savings: You earn basic interest rates with this simple savings account.
The $4 monthly maintenance fee is waived with a $300 average balance or by linking your savings account to an Asterisk Free Checking Account.
- Relationship Savings: For slightly higher interest on your savings, the Relationship Savings requires a minimum balance of $2,500.
You can link it to a Huntington 5 or 25 account to waive the $10 monthly service fee.
- Relationship Money Market Account: The MMA provides the "best" interest rates out of the Huntington banking products.
You need an average balance of $25,000 or you can link it to a Huntington 5 or Huntington 25 account to waive the $25 monthly fee.
Huntington Bank also offers CDs and promotional-rate CDs with varying maturity dates.
They also offer fixed rate CDs in terms up to 6 years and Jumbo CDs in terms up to 5 years.
The rates offered vary by location and must be applied for in person at a local branch.
Overdraft Features
One of the unique things about Huntington Bank is that they offer several options to help you avoid overdraft fees.
- 24-Hour Grace®
If you see that your account went over, you have 24 hours to get it back to a positive status to avoid an overdraft fee.[1] - $50 Safety Zone
If you accidentally overdraw your account by $50 or less, you won't be charged an overdraft fee.[2] If you're overdrawn by more than $50, you can fix it with 24-Hour Grace®. - Free Overdraft Protection Transfers
If you link a Huntington Bank savings or money market account, money can be transferred to cover overdrafts in increments of $100. There is $0 transfer fee.
Huntington Bank Checking Features
Huntington Bank offers a tons of features that show they're truly looking out for their customers.
- Standby Cash®
You can qualify for a $100 to $1,000 line of credit (based on your checking deposit history). You have 3 months to pay it back, and it's free when you set up automatic payments. Otherwise, there's a 1% monthly interest charge (12% APR) on the outstanding balances.[3] - Early Pay
You can be eligible to get paid up to two days early. You must have a Huntington checking account and set up a recurring direct deposit.[4] - Mobile check deposits
Using the Huntington Bank mobile app, simply enter the information and snap a picture of the front and back of the check to make the deposit. - All-day deposit
You have until midnight to make deposits via an ATM or the mobile app. Cash deposits will be available the same day as the day your deposit is received. Check deposits will be a part of your available balance the next business day after the day your deposit is received.For new Huntington customers of less than 30 days, the first $500 of a check is available the next business day with the remainder available after two business days. - Easy mobile banking
Check your balances, transfer money, or pay bills on-the-go with your phone. You can also use the "Quick Balance" feature to check your balance without logging into the full account.The app is available in the Apple and Google Play store.
Is Huntington Bank safe?
Your deposits with Huntington are FDIC insured up to $250,000. This protects your money should Huntington Bank go out of business. - Free linked savings account
Open a Relationship Savings or Relationship Money Market Account and get the service fee waived by linking to a Huntington 5 or Huntington 25 Checking account. - Money Scout®
This tool analyzes your spending habits, income, and upcoming expenses to find extra money you may have. It'll automatically move $5 - $50 at a time into your savings account. You can customize the amount and pause/cancel at any time.[5] - The Hub
Your account comes with a suite of tools to help you create a custom budget and track your spending.[6] - Email and text alerts
Choose among a variety of alerts including low balance, deposit, withdrawal, balance below $0, and bill payment alerts.
You can reach Huntington Bank Customer Service representatives around the clock by calling 1-800-480-2265.
They also have an in-depth customer service page on their website to answer the most frequently asked questions and provide helpful descriptions on products.
Reasons to Look Elsewhere
- Huntington Bank is mostly located in the Midwest
They don't offer online bank accounts nationwide like other banks. Which means, if you don't live in one of the states they service, you can't open an account. - Steep minimum balance requirements on interest-bearing accounts
For the Huntington 5 or Huntington 25 Checking accounts, the minimum balances needed to waive monthly service fees are high.There is a free checking option, but it doesn't earn interest.
- High balance required to earn higher interest
To earn the "best" interest rates, you'll need a minimum balance of $25,000 in your Huntington Bank Relationship Money Market Account.If you want to bump the rate up even further, you'll have to link it to a Huntington Bank 5 or Huntington Bank 25 Checking Account. These accounts requires a $5,000 and $25,000 balance, respectively.
Huntington Bank offers a variety of investment products, including stocks, bonds, mutual funds, annuities, and retirement plans.
Whether you are saving for retirement, college, long-term care, charity, or any other need, Huntington specialists can help you find the products you need to grow your investments while minding your risk tolerance.
How It Compares
Fifth Third:
Also based in Ohio, Fifth Third serves customers in ten states in the South and Southeast.
It offer similar checking and savings programs. But Fifth Third has a hard and fast $1,500 minimum rule to avoid paying hefty maintenance fees.
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Huntington Bank | Fifth Third Bank | |
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Huntington 25 Checking® - $300 Bonus - | Fifth Third Checking Account - $350 Bonus - | |
Benefits and Features | ||
| Savings | 0.01% APY (Premier Savings). $4 monthly fee, unless you have 1) daily average balance of $300, or 2) linked to a Huntington Asterisk-Free Checking Account. Minimum deposit of $50. | |
| CD | Regular CD APY range from 0.01% - 0.03% for amounts ranging from $1,000 - $100,000. Minimum deposit $1,000. | 0.01% APY. Terms ranging from 7 days to 84 months, minimum deposit of $500. Featured CD: 0.05% APY at 12 months, minimum deposit of $5,000. |
| Checking |
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| Money Market | 0.05% APY for amounts of $25,000 to $2,000,000. $25 monthly maintenance fee unless there is 1) average daily balance of $25,000, or 2) linked to a Huntington 5 or Huntington 25 Checking account. | 0.01% APY Standard Rate (0.01% Relationship Rate) |
| Customer Service |
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| ATMs | Allpoint® and 7-Eleven® network of ATMs. More than 50,000 fee-free ATMs nationwide. | |
| Locations | 1,300 branches, including 100 Bank Mart® locations across the country | |
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Huntington: Pricing information from published website as of 07/01/2021 based on 43215 zip code. Fifth Third Bank: Pricing information from published website as of 03/25/2022 based on 45202 zip code. | ||
PNC:
PNC branches are spread throughout 19 states and has 9,000 ATMs nationwide.
They offer a unique product called the Virtual Wallet, which combines a checking, savings, and "growth" account. This account helps you earn the most interest on your money as you learn to save.
PNC has hefty monthly maintenance fees and tough requirements to waive the fees, however.
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Huntington Bank | PNC Bank | |
|---|---|---|
Huntington 25 Checking® - $300 Bonus - | Virtual Wallet with Performance Select Checking - $400 Cash Bonus - | |
Benefits and Features | ||
| Savings | 0.01% APY (Premier Savings). $4 monthly fee, unless you have 1) daily average balance of $300, or 2) linked to a Huntington Asterisk-Free Checking Account. Minimum deposit of $50. | 0.01% APY (0.02% APY - 0.03% APY Relationship rates) |
| CD | Regular CD APY range from 0.01% - 0.03% for amounts ranging from $1,000 - $100,000. Minimum deposit $1,000. | |
| Checking |
| Virtual Wallet, Virtual Wallet with Performance Spend, Virtual Wallet with Performance Select |
| Money Market | 0.05% APY for amounts of $25,000 to $2,000,000. $25 monthly maintenance fee unless there is 1) average daily balance of $25,000, or 2) linked to a Huntington 5 or Huntington 25 Checking account. | |
| Customer Service |
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| ATMs | 18,000 ATMs across 37 states and the District of Columbia | |
| Locations | 2,300 PNC branches across 26 states. | |
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Huntington: Pricing information from published website as of 07/01/2021 based on 43215 zip code. PNC Bank: Pricing information from published website as of 03/25/2022 based on 19899 zip code. | ||
Citizens Bank:
Predominately located in the Northeast, Citizens Bank is good for those looking for a basic checking or savings account.
Their premium accounts offer minimal interest rates. But they offer a motivational savings program to help you get ahead.
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Huntington Bank | Citizens Bank | |
|---|---|---|
Huntington 25 Checking® - $300 Bonus - | Personal Checking Account - $300 Bonus - | |
Benefits and Features | ||
| Savings | 0.01% APY (Premier Savings). $4 monthly fee, unless you have 1) daily average balance of $300, or 2) linked to a Huntington Asterisk-Free Checking Account. Minimum deposit of $50. | Several types of Savings accounts. 0.01% - 0.02% APY. No minimum opening deposit. $4.99 monthly maintenance fee, unless you have a minimum daily balance of $200 in your account, or have a qualifying Citizens Bank checkings account. |
| CD | Regular CD APY range from 0.01% - 0.03% for amounts ranging from $1,000 - $100,000. Minimum deposit $1,000. | Several types of CD accounts. Terms ranging from 10 - 25 months. 0.03% - 0.05% APY. Some APY rates may require qualifying Citizens Bank Checking Account. Minimum opening deposit $1000 for all accounts. |
| Checking |
| |
| Money Market | 0.05% APY for amounts of $25,000 to $2,000,000. $25 monthly maintenance fee unless there is 1) average daily balance of $25,000, or 2) linked to a Huntington 5 or Huntington 25 Checking account. | Several types of Money Market accounts. 0.03% APY. No minimum opening deposit. Monthly maintenance fee of $10, unless you have a minimum daily balance of $2500. Other Money Market accounts have no monthly maintenance fee but require qualifying Citizens Bank Checking Account. |
| Customer Service | 24/7 Telephone Customer Service | |
| ATMs | More than 3100 ATMs across 11 states. | |
| Locations | Approximately 1,018 branches across the country | |
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Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Huntington: Pricing information from published website as of 07/01/2021 based on 43215 zip code. Citizens Bank: Pricing information from published website as of 03/25/2022 based on 10011 zip code. | ||
FAQ
What do I need to open a Huntington bank account?
You can open a Huntington bank account either online or in-person. You will need to provide:
- Name
- Social Security Number
- Government issued ID (license or passport)
- A means to fund the account
How much can I withdraw from Huntington Bank?
Huntington Bank has a $400 daily ATM cash withdrawal limit and a $400 daily debit card purchase limit at POS terminals.
How long does it take for a check to clear at Huntington Bank?
If you had your Huntington Bank account open for over 30 days, your check will clear the first business day after the business day of deposit.
If you had your Huntington Bank account 30 days or less, first you'll get up to $500 the first business day after the business day of deposit. You'll get the rest of the funds the next business day after that.
Bottom Line
Every consumer has different banking needs. Consider how much you keep in your bank accounts normally to determine which bank offers the best deal.
Don't focus strictly on interest rates, as many more factors come into play. If you pay excessive monthly fees, it can take away from the interest earned.
Choose the bank that offers the right balance between the required balance, monthly fees, and interest rates to make the most out of your finances.
References
- ^ Huntington. 24-Hour Grace® Overdraft and Return Fee Relief, Retrieved 4/14/22
- ^ Huntington. $50 Safety Zone, Retrieved 4/14/22
- ^ Huntington. Introducing Standby Cash®, Retrieved 4/14/22
- ^ Huntington. Introducing Early Pay, Retrieved 4/14/22
- ^ Huntington. Money Scout®, Retrieved 4/14/22
- ^ Huntington. Money Management. Made Simple., Retrieved 4/14/22
Chase Total Checking® - $200 Bonus
- 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
- 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
Money Market Account - Get a Year of Amazon Prime
- 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.
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.
TD Beyond Checking - $300 Cash Bonus
- 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.
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