November 9, 2021 5:00 PM PT

Huntington Unlimited Business Checking

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Earn $400 when you open a new Huntington Unlimited Business Checking account with qualifying deposits. Find out how to score this cash bonus.

Huntington Bank is a full-service bank based in the Midwest. If you live in Ohio, Illinois, Indiana, Kentucky, Michigan, Pennsylvania, or West Virginia, check out this bonus offer before it expires.

Below, review the Huntington Unlimited Business Checking account to find out if it's right for you.

What is the Huntington Unlimited Business Checking account?

Huntington Bank's Unlimited Business Checking account is designed for growing businesses with higher checking activity and greater cash flow needs.

Right now, you can earn a $400 cash bonus when you open a qualifying account with Huntington and meet the requirements (more on that below).

This account doesn't earn interest, but it does come with a generous list of features. Check them out below:


  • Unlimited transactions[1]
  • Up to $10,000 in cash or currency deposits per month in-branch or at an ATM ($0.30 for each $100 after)
  • Huntington Debit MasterCard® BusinessCard®
  • Digital tools such as spend analysis, look ahead calendar, and cash flow forecast
  • 24 Hour Grace to make a deposit or transfer to avoid an overdraft
  • Overdraft protection options
  • Unlimited data downloads into Quicken and Quickbooks

You can also choose ONE of the following bonus services:

  • Fraud Tool: Reverse Positive Pay
  • Huntington Deposit Scan (up to 50 per month)
  • 10% off Paychex payroll services[2]
  • Two free incoming domestic wires per month
  • Up to 25 returned deposit items per month

Does Huntington charge monthly fees?
Huntington's Unlimited Business Checking account has a $20 monthly fee. However, you can waive the fee if you have $10,000 in total relationship balances.

How to Earn the $400 Bonus

Here's how you can snag the $400 cash bonus:

  1. Open a Huntington Unlimited Business Checking account.

  2. Make cumulative new money deposits of at least $5,000 within 60 days of account opening and keep your account open for a minimum of 90 days.

  3. $400 will be deposited in your new account within 14 days of meeting the above requirements. Your checking account must remain open to receive the bonus.

To open this account, you must be:
  • Authorized to open accounts on behalf of the business
  • 18 years and older
  • A U.S. citizen
  • Operating in CO, IL, IN, KY, MI, MN, OH, PA, SD, WV, or WI

How to Waive the Monthly Fee

The Unlimited Business Checking has a $20 monthly fee that can be waived by maintaining a total deposit relationship balance of at least $10,000 in a combination of deposits held directly by Huntington.[3]

Eligible deposits are this checking account and any other checking, money market, savings, or certificate of deposit (CD) account(s) owned by the business.

Here are some other account fees you may encounter:
  • $36 overdraft fee
  • $36 return fee
  • $25 extended overdraft fee
  • $3 mailed statements
  • $3 non-Huntington ATMs
  • $31 stop payment
  • $13 returned deposited item
  • $18 incoming domestic wire transfer
  • $45 outgoing domestic wire transfer (when initiated by Huntington associate)
  • $25 incoming international wire transfer
  • $75 outgoing international wire transfer (when initiated by Huntington associate)
  • $0.50 Zelle transactions (sent or received)

How to Open a Huntington Unlimited Business Account

You can open a Huntington business account online or at a branch. Here's what you'll need to provide:

  • Name, date of birth, and business address
  • Contact information
  • Valid forms of identification (driver's license, state ID card, passport)
  • SSN or EIN
  • DBA Certificate, if applicable

You'll also need to provide some business documents. Here's what each business structure requires:

  • LLCs require Registered Articles of Organization and Operating Agreement (if applicable)
  • Partnerships require a legal Partnership Agreement
  • Corporations require a Registration of Incorporation
  • Organizations/Associations require by-laws, charter, constitution, or other governing document.

You need at least one representative from the business who is authorized to open a bank account on behalf of the company.

$400 Bonus Fine Print

Here is some additional fine print for the $400 cash bonus:

  • Offer is only available to new business checking customers. Existing Huntington business checking customers, including those with business checking accounts closed within the last six months, are not eligible. Public Fund/Government Banking dollars and Brokers are not eligible for this offer.

  • You must open a new Huntington Unlimited Business, Unlimited Plus Business, Business Analyzed, Business Non Profit Analyzed, or Business Non Profit Interest Checking account, and then make a minimum cumulative new money deposit 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 are subject to account opening approval. Account conversions are not eligible.

  • There will be an Early Account Closing Fee if you close your account within 180 days of opening.

  • Cash bonus does not count towards the deposit requirement. This offer cannot be used in combination with any other offer.

  • Individual business owners with multiple businesses will be limited to one account-related gift incentive per rolling 12-month period across all deposit account relationships.

  • The bonus will be reported on IRS Form 1099-INT for the year in which you receive your bonus.

Other Huntington Bank Business Checking Promotions

Other Business Checking Offers You Might Like

Bottom Line

If you're in the market for a new business bank account, this $400 cash bonus is a nice incentive.

The Huntington Unlimited Business account has nice perks like 24-hour grace, digital money management tools, and up to $10,000 per month in cash deposits.

Just be aware that this account requires a combined $10,000 average daily balance in order to waive the monthly maintenance fee. If this isn't right for you, check out other available business banking promotions.


  1. ^ Transactions refer to checks paid, deposit tickets, deposited checks (except those you process through a remote deposit scanner), incoming ACH debits and credits, debit card purchases and online bill pay transactions.
  2. ^ Payroll processing services are provided by Paychex, a third party commercial vendor.
  3. ^ The total relationship deposit balance each month is calculated by adding the average daily balance for all eligible deposit account balances of the business for the applicable statement period.
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
  • 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.

Holly Zorbas is a assistant editor at CreditDonkey, a credit card comparison and reviews website. Write to Holly Zorbas at 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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