Updated February 1, 2022

Huntington 5 Checking Review

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Earn $200 for opening a Huntington 5 Checking® account with qualifying requirements. Find out how to take advantage of the cash bonus promotion below.

With the Huntington 5 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 5 Checking Account?

Huntington 5 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 5 Checking Bonus

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

  • Open a Huntington 5 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.

How to check your Huntington balance?
To check your balance, visit huntington.com and log into your account. Your account number, account history (purchases, deposits and pending transactions), and balance will appear on the screen.

Does Huntington 5 Charge a Monthly Fee?

The Huntington 5 Checking account has a few fees to be aware of. See below:

Fees to watch out for

  • Monthly service fee - $5 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 5 Have a Minimum Balance?

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

How do Huntington relationship savings work?
You get certain perks such as a higher savings interest rate or monthly maintenance fees waived if you have a certain combined minimum balance across your Huntington accounts. That balance differs depending on the Huntington bank account you have.

Compare Huntington 25 Checking

Right now, you can earn a $300 cash bonus for opening a Huntington 25 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 5 or Huntington 25 Checking account. No monthly maintenance fee.

  • Huntington Relationship Savings - You get a higher APY if you also have a Huntington 5 or Huntington 25 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 5 You Might Like

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 5 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 5 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.


  1. ^ You will be responsible for any additional fees charged by the owner of a non-Huntington ATM as well as any international transaction or other fees charged by the network.
  2. ^ Monitoring Services are optional and are not available with all accounts. Enrollment requires agreement to the Services' Terms & Conditions, which include important legal terms that a customer should read carefully before deciding whether to enroll.
Member FDIC

Chase Total Checking® - $200 Bonus

Expires 7/20/2022
  • 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

Expires 7/17/2022
  • 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
CIT Bank
Member FDIC

Money Market Account - Get a Year of Amazon Prime

To get your year of Amazon Prime ($139 cash value):
  • 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.
After 60 days, if you've fulfilled the requirements, CIT will send you an email with your Prime membership code. Existing Amazon Prime members can use the one year of Amazon Prime to renew their membership for an additional year. Limit one Money Market promotion per account and per customer. Conditions apply. See advertiser website for details.
Discover Bank
Member FDIC

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.

Expires 6/15/2022
TD Bank
Member FDIC

TD Beyond Checking - $300 Cash Bonus

Expires 10/31/2022
  • 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.

Amber Kong is a content specialist 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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