Huntington Perks Checking Review

Earn $200 for opening a Huntington Perks Checking℠ account with qualifying requirements. Find out how to take advantage of the cash bonus promotion below.

With the Huntington Perks Checking Account, you can enjoy 5 non-Huntington ATM withdrawals per month and credit score monitoring at no added cost. Not to mention other rewarding benefits.

Read this review for the checking account's features, fees, and requirements.

What is the Huntington Perks Checking Account?

Huntington Perks Checking earns interest on deposits plus other nice perks.

Main features

• Five fee-free, non-Huntington ATM withdrawals per statement ^[1]
  
• Credit score monitoring at no added cost ^[2]
  
• No overdraft fee $50 Safety Zone℠ and 24-Hour Grace®
  
• Extra money when you need it with Standby Cash℠
  
• Get paid up to two days early with Early Pay

Huntington Perks Checking Bonus

Follow the steps below to earn the $200 cash bonus:

• Open a Huntington Perks Checking account online or with a local branch.
  
• 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 $200 bonus will be deposited into your new checking account within 14 days.
  
• Your checking account must remain in open status 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.

Does Huntington Perks Charge a Monthly Fee?

The Huntington Perks Checking account has a few fees to be aware of. See below:

Fees to watch out for

• Monthly service fee - $10 a month (or $0 if you have $5,000 in total relationship balances)
  
• Out-of-network ATM fees - $3
  
• Overdraft fee - $23 - $37.50

Does Huntington Perks Have a Minimum Balance?

There is no minimum balance to open a Huntington Perks account. But you will need to maintain a combined minimum balance of $5,000 across your Huntington accounts to waive the $10 monthly service fee.

Compare Huntington Checking

Right now, you can earn a $300 cash bonus for opening a Huntington Platinum Perks Checking℠ account with qualifying requirements. No direct deposit or minimum opening deposit required.

This interest yielding checking account also comes with relationship benefits (more in a sec).

Main features

• Earn 0.03% APY interest on your account balance
  
• Credit score and identity monitoring at no added cost
  
• Unlimited free non-Huntington ATM withdrawals
  
• Free checks
  
• 24-hour grace period for overdraft fees

Fees to watch out for

• Monthly service fee - $25 a month (or $0 if you have $25,000 in total relationship balances)
  
• Overdraft fee - $23 - $37.50
  
• Negative account balance fee - $25 every 5 days

Huntington Savings Accounts

Huntington Bank offers a few savings and money market accounts. You can set up scheduled transfers from your checking account to help you reach your savings goals. You earn a modest APY that's similar to most traditional brick-and-mortar banks.

If you want a high-yield savings account that packs more of a punch, check out these options.

That said, check out the regional bank's savings products:

• Huntington Relationship Money Market Account - You can earn interest on all balances above $25,000. You get a higher APY if you also have a Huntington Perks or Huntington Platinum Perks Checking account. No monthly maintenance fee.

• Huntington Relationship Savings - You get a higher APY if you also have a Huntington Perks or Huntington Platinum Perks Checking account. There's free checking overdraft protection and no monthly maintenance fee.

• Huntington Premier Savings - The FDIC-insured account has free checking overdraft protection and no monthly maintenance fee.

Alternatives to Huntington Perks You Might Like

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

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Expires 1/9/2024

• Earn up to $2,000 when you open a new eligible Citi checking account and enroll in the offer the same day
• New to Relationship customers can choose their Relationship Tier.
• 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 Balance Level at any point during the maintenance period, the bonus changes.
• Bonus will be paid within 30 days after you successfully complete all required activities.
• Restrictions apply.

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BMO Smart Advantage Checking - $400 Cash Bonus

Open a new BMO Smart Advantage Checking online and get a $400 cash bonus when you have a total of at least $4,000 in qualifying direct deposits within the first 120 days of account opening. Offer is limited to one per customer and is not available for existing BMO personal checking customers (including signers on joint accounts) or those who have closed a BMO personal checking account within the past 12 months. Conditions apply.

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Expires 12/8/2023

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Chase Total Checking® - $200 Bonus

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Expires 10/18/2023

• New Chase checking customers enjoy a $200 bonus when you open a Chase Total Checking^® account and set up direct deposit
• Access to more than 15,000 Chase ATMs and more than 4,700 branches
• Chase Mobile^® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
• 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*

What Are the 4 Main Types of Checking Accounts?

These are the most popular and common types of checking accounts at banks and credit unions:

• Traditional checking account - You normally get checks, a debit or ATM card and online banking. You usually need to maintain a certain balance to waive the monthly maintenance fee.

• Interest-bearing checking - To earn a high APY, you need to fulfill requirements like direct deposit or a minimum number of debit card transactions.

• Student checking account - Geared toward students age 18 - 23. You usually don't have maintenance fees and might enjoy other perks like overdraft forgiveness.

• Business checking - These accounts help separate personal and business expenses.

Bottom Line

Huntington Perks Checking gets you 5 fee-free non-Huntington ATM withdrawals per statement and interest on your balance.

And that $200 cash bonus is a nice way to choose your Huntington Perks checking account.

You need a pretty high balance ($5,000) across your Huntington accounts to waive the monthly maintenance fee. But their generous overdraft policy is pretty attractive for customers.

References