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.

Overview

Based in Columbus, Ohio, Huntington Bank has nearly 1,200+ branches and over 1,700 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 Perks or Huntington Platinum Perks 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

Checking

© CreditDonkey

• 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.

• Huntington Perks Checking℠: This account offers some interest. If you maintain a balance of $5,000, the $10 monthly fee will be waived.
  For the Huntington Perks and Huntington Platinum Perks checking accounts:
  Your savings or money market account balances can be combined to meet the minimum monthly balance requirement.
  

• Huntington Platinum Perks Checking℠: The Huntington Platinum Perks checking account offers even higher interest rates. But you need a minimum balance of $25,000 to waive the $25 monthly fee.

Compare Checking Promotions

Member FDIC

Bank of America Advantage Banking - $300 Bonus Offer

• The $300 bonus offer is an online only offer and must be opened through the Bank of America promotional page.
• The offer is for new checking customers only.
• Offer expires 05/31/2025.
• To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* totaling $2,000 or more into that new eligible account within 90 days of account opening. Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
• Once all requirements are met, Bank of America will attempt to pay bonus within 60 days.
• Additional terms and conditions apply. See offer page for more details.
• *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
• Bank of America, N.A. Member FDIC.

Learn More

Expires 5/31/2025

Member FDIC

Chase Total Checking® - $300 Bonus

• New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking^® account with qualifying activities
• Chase Mobile^® app - Manage accounts, pay bills, send money to friends with Zelle® and deposit checks from almost anywhere.
• Chase Overdraft Assist℠ - no overdraft fees 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*
• Help keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock.
• Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law.
• With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.
• Open your account online now
• Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.

Open an Account

Expires 7/16/2025

Member FDIC

Business Checking Account - $400 Bonus

• Open a new Truist Simple Business Checking or Dynamic Business Checking account online, via phone, or in a branch from 4/1/2025 through 9/30/2025 and earn $400 by making Qualifying Deposits* of $2,000 or more into your new account within 30 days of account opening. Must be a new Truist business checking client, Terms Apply.
• Enrollment in the promotion is required at the time of account opening using promo code SB25Q2BIZAFL to be eligible for a promotion reward. Refer to the Account Opening & Promotion Enrollment sections below for instructions.
• *Qualifying Deposits for new business checking accounts exclude debit card credit transactions and NSF fee refunds. Deposits can be made on a one-time basis or cumulatively over the 30 days.

Get Deal

Expires 9/30/2025

Terms and Conditions

Terms and Conditions for the Small Business Checking Affiliate Q2 &Q3 2025 Offer: SB25Q2BIZAFL

Offer Information: Open a new Truist Simple Business Checking or Dynamic Business Checking account online, via phone, or in a branch from 4/1/2025 through 9/30/2025 and earn $400 by making Qualifying Deposits* of $2,000 or more into your new account within 30 days of account opening.

Enrollment in the promotion is required at the time of account opening using promo code SB25Q2BIZAFL to be eligible for a promotion reward. Refer to the Account Opening & Promotion Enrollment sections below for instructions.

*Qualifying Deposits for new business checking accounts exclude debit card credit transactions and NSF fee refunds. Deposits can be made on a one-time basis or cumulatively over the 30 days.

Offer Eligibility: You must be a new Truist business checking client. To be considered a new business checking client, the business cannot have an existing Truist business checking account or have closed a Truist business checking account within 180 days of the promotion start date (i.e., on or after 10/3/2024), with the same Taxpayer Identification Number (TIN), including but not limited to an Employer Identification Number (EIN). The business account holder must be 18 years or older at time of account opening. The account holder cannot be a non-resident alien. The business account holder must have a valid U.S. TIN. The business's physical address must be located in one of the following states: AL, AR, FL, GA, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC.

Reward Processing: The reward will be deposited to the new business checking account within 4 weeks after the qualification requirements have been met and verified. In order to receive the reward, the new business checking account must be open, not restricted, and in good standing with a balance of at least $0.01 at the time of Truist verification and at the time of payout. An account is considered restricted if it has a temporary or permanent block that prevents credits from posting to the account. Truist verification will occur one time after the qualification requirements are initially met. Promotion is only applicable once per client and for one new qualifying business account. Truist may report the value of any offer reward received to the IRS as required by law. Any appliable taxes are the responsibility of the recipient.

Reward Forfeiture: Reward forfeiture will occur if: (1) the new business checking account is changed to an account type not included in this offer prior to payout, (2) the new business checking account has a $0.00 or negative available balance or is restricted at the time Truist verifies the qualification requirements have been met or, (3) the new business checking account is closed or restricted at the time of payout.

Other Terms: Minimum opening deposit is $100. A monthly maintenance fee is applicable for Truist Dynamic Business accounts whose combined average relationship ledger balance is less than $5,000; the monthly maintenance fee is waived for accounts with a combined average relationship ledger balance of $5,000 or more. See Truist's Business Deposit Accounts Fee Schedule for additional information.

The offer is non-transferable and may not be combined with any other offers. This offer is subject to change and may be discontinued at any time. Truist reserves the right, in its sole discretion, to disqualify any account if Truist suspects accounts are being opened for the purpose of exploiting this promotional offer. All promotional payouts will be processed no later than 3/31/2026, at which point this promotion and any related disbursements will be considered final, and no further disbursements will be made.

Online Account Opening & Promotion Enrollment Instructions: During the online application process, ensure the promo code SB25Q2BIZAFL is entered into the Promo Code field and accept the offer when presented. Accounts opened online without the Promo Code will not be eligible to participate in the offer.

Branch Account Opening & Promotion Enrollment Instructions: Visit your local Truist branch or call a Small Business representative and ask to open an eligible account and enroll you in the Truist Small Business Checking Affiliate Q2 & Q3 2025 Offer using promo code SB25Q2BIZAFL. Once enrolled in the promotion, clients may receive promotional updates via the email address provided or by calling 800-709-8700.

Truist Bank, Member FDIC. ©2025, Truist Financial Corporation. Truist, Truist Purple and the Truist Logo are service marks of Truist Financial Corporation

Version 1 02282025 SB25Q2BIZAFL

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 Perks or Platinum Perks 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 Perks or Huntington Platinum Perks account to waive the $25 monthly fee.

Compare Savings Offers

Member FDIC

CIT Bank Platinum Savings - $300 Bonus

• Transfer a one-time deposit of $50,000+ for a Bonus of $300
• 4.10% APY with a balance of $5,000 or more
• 0.25% APY with a balance of less than $5,000
• No monthly maintenance fee
• Member FDIC

Get Deal

Terms and Conditions

• There are is no period of time where the customer will be required to maintain the funds.
  
• Account must be open when bonus is credited
  
• Promotion is available per account and Primary customer
  
• Bonus will be credited into the Platinum Savings Account that fulfills the funding requirement
  
• Funding can be deposited in one-deposit or incrementally
  
• Promotion Period will be 3 months or until CIT's goals are met, whichever comes first

Member FDIC

Discover® Online Savings - $200 Cash Bonus

To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code CY325 at application, 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. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200.

What to know: Offer not valid for existing or prior Discover savings customers. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 09/11/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding, see FAQs on Discover.com/Bank. See advertiser website for full details.

Get Deal

Expires 9/11/2025

Member FDIC

High Yield Savings Account - 4.25% APY

• No fees
• $1 minimum deposit
• 24/7 online access
• FDIC insured

Learn More

on Raisin's Secure Website

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 Perks or Huntington Platinum Perks 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.

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 Perks or Huntington Platinum Perks 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 Perks or Huntington Platinum Perks Checking Account. These accounts require a $5,000 and $25,000 balance, respectively.

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.

PNC:
PNC branches are spread throughout 27 states and D.C. and has approximately 60,000 PNC and partner ATMs nationwide.

They offer a unique product called the Virtual Wallet, which combines a primary checking, interest-bearing checking, and savings 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.

	Huntington Bank	PNC Bank
	SPECIAL OFFER Business Checking Account - $1,000 Bonus - Learn More	SPECIAL OFFER Virtual Wallet with Performance Select Checking - $400 Bonus - Learn More
	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.	Up to 3.95% APY. Only available in eligible markets.
CD	0.50% APY for amounts ranging from $1,000 to $99,999.99. Minimum deposit is $1,000.	0.01% to 4.10% APY. Terms of 7 days to 10 years.
Checking	Asterisk-Free Checking: No minimum balance and no monthly maintenance fees Huntington Perks Checking: 5 non-Huntington ATM withdrawals per month Huntington Platinum Perks Checking: Unlimited non-Huntington ATM withdrawals	Virtual Wallet: $7/month fee, unless you have 1) $500/month in qualifying direct deposits, or 2) maintain a $500 balance, or 3) be at least 62 years old. Virtual Wallet with Performance Spend: $15/month fee, unless you have 1) $2,000 in qualifying direct deposits, or 2) a $2,000 balance, or 3) $10,000 in combined PNC consumer deposits. Virtual Wallet with Performance Select: $25/month fee, unless you have 1) $5,000 in qualifying direct deposits, or 2) a $5,000 balance (including up to 7 linked checking accounts), or 3) $25,000 in combined balances or PNC consumer deposits, and/or investments. Select Markets Only*
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 Perks or Huntington Platinum Perks Checking account.	Up to 0.05% APY. Only available in eligible markets.
Mobile App		iOS & Android
ATMs	over 1,600 ATMs	approximately 60,000 PNC and partner ATMs
Customer Service	24/7	Personal Credit Cards: Automated account information is available 24/7 Other products & services: Monday - Friday: 8:00 a.m. - 9:00 p.m. ET Saturday - Sunday: 8:00 a.m. - 5:00 p.m. ET
Locations	nearly 1,000 branches	2,600+ locations
	Business Checking Account - $1,000 Bonus Personal Checking Account - $600 Bonus Business Checking Account - $400 Bonus	Virtual Wallet with Performance Select Checking - $400 Bonus Virtual Wallet with Performance Spend Checking - $200 Bonus Virtual Wallet Checking - $100 Bonus
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 05/07/2025 based on 43215 zip code. PNC Bank: Pricing information from published website as of 05/13/2025 based on 91107 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.

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