Updated January 6, 2023

Huntington Bank Review

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Huntington Bank provides great accounts benefits like free Overdraft Protection Transfers. Read on to see if this bank is right for you.

5-point scale (the higher, the better)

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


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.


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


  • 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


  • 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.

CDs at Huntington Bank
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.

Compare Savings Offers

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.

Contacting Huntington Bank Customer Service
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 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.

Investing with Huntington Bank
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.

PNC branches are spread throughout 29 states and D.C. and has 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.

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.


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.


  1. ^ Huntington. 24-Hour Grace® Overdraft and Return Fee Relief, Retrieved 4/14/22
  2. ^ Huntington. $50 Safety Zone, Retrieved 4/14/22
  3. ^ Huntington. Introducing Standby Cash®, Retrieved 4/14/22
  4. ^ Huntington. Introducing Early Pay, Retrieved 4/14/22
  5. ^ Huntington. Money Scout®, Retrieved 4/14/22
  6. ^ Huntington. Money Management. Made Simple., Retrieved 4/14/22
Member FDIC

Chase Total Checking® - $300 Bonus

Expires 10/16/2024
  • New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities
  • With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.
  • Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
  • JPMorgan Chase Bank, N.A. Member FDIC
  • 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 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*
Bank of America
Member FDIC

Bank of America Advantage Banking - $200 Bonus Offer

Expires 9/30/2024
  • The $200 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 9/30/2024.
  • 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.
  • Bank of America, N.A. Member FDIC.
Discover Bank
Member FDIC

Discover® Online Savings - $200 Cash Bonus

Expires 9/12/2024

To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code CY624 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, including co-branded, or affinity accounts. 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 the account qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 09/12/2024, 11:59 PM ET. Offer may be modified or withdrawn without notice. See advertiser website for full details.

CIT Bank
Member FDIC

CIT Bank Platinum Savings - 5.00% APY

  • 5.00% APY with a balance of $5,000 or more
  • 0.25% APY with a balance of less than $5,000
  • $100 minimum opening deposit
  • No monthly maintenance fee
  • Member FDIC

Free Business Checking - Up to 2.0% APY

  • 2.0% APY on your balance up to $250,000 for customers that meet monthly eligibility requirements
  • $0 minimum opening deposit
  • $0 monthly service fee
Banking services provided by Coastal Community Bank, Member FDIC

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About CreditDonkey
CreditDonkey is a bank comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

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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