Huntington Bank has built a strong reputation across the Midwest, offering a mix of fee-free checking, competitive promotions, and business-friendly banking services. With over 1,000 branches across 11 states, it provides a solid alternative to national banks while still delivering digital banking tools and customer perks.
If you’re looking for a bank that rewards new customers with bonuses, offers unique overdraft protection, and provides flexible checking options, Huntington could be a great fit. However, interest rates on savings accounts are on the lower side, so it may not be the best choice if you’re prioritizing high yields.
This review breaks down Huntington Bank’s account options, fees, features, and overall banking experience.
Huntington National Bank Overview
Huntington Bank, headquartered in Columbus, Ohio, was founded in 1866 as Huntington Bancshares. It has grown into a regional bank with over 1,000 branches across 11 states, primarily in the Midwest, with additional locations in Colorado and Florida.
The bank offers a full suite of personal and business banking services, including checking and savings accounts, money market accounts, certificates of deposit (CDs), and business solutions.
Huntington stands out for its 24-Hour Grace® overdraft protection, promotional sign-up bonuses, and flexible checking options. It also provides a strong digital banking experience, featuring tools like The Hub, which offers budgeting insights, and Spend Analysis, which tracks spending habits.
While Huntington’s checking accounts include fee-free options and valuable perks, its savings rates are lower than those of many online banks. Some accounts offer ATM fee reimbursements, but out-of-network withdrawals may still incur third-party charges.
Now, let’s take a closer look at the banking products Huntington offers.
Huntington Bank Checking Accounts
Huntington Bank offers several checking account options designed to fit different financial needs. Whether you’re looking for a no-fee account, higher rewards, or investment perks, there’s an option to consider.
Asterisk-Free Checking
This is Huntington’s most basic free checking account with no opening deposit, no monthly maintenance fees, and no minimum balance requirements. It’s a straightforward option for everyday banking without extra costs.
Perks Checking
The Perks Checking account offers interest on balances and includes free credit score monitoring. To waive the $10 monthly maintenance fee, you need to either:
- Maintain a total relationship balance of $5,000 across eligible Huntington accounts
- Have at least $1,000 in total monthly deposits
Account holders get five free non-Huntington ATM withdrawals per statement cycle. The included credit score monitoring service provides monthly VantageScore® updates and insights to help track and improve your credit.
Platinum Perks Checking
This premium account offers unlimited non-Huntington ATM withdrawals, identity theft monitoring, and better interest rates on linked savings or money market accounts. To waive the $25 monthly maintenance fee, you’ll need to maintain a total relationship balance of $25,000 or more.
Platinum Perks also includes monthly VantageScore® updates and a quarterly condensed version of your Experian® credit report. The higher interest rates on money market accounts can make a noticeable difference over time, particularly for those keeping larger balances.
SmartInvest Checking
For customers focused on investing, SmartInvest Checking offers investment relationship discounts and identity monitoring services. Eligibility requires an open and funded Managed Investment account with Huntington Private Bank or Huntington Financial Advisors.
Interest rates for this account vary based on your balance and location. In some areas, rates may be slightly higher or lower depending on market conditions, so it’s best to check with Huntington for the most accurate rates in your region.
Each of these accounts is designed to provide flexibility, whether you need basic checking, financial perks, or investment advantages.
Huntington Bank Savings Accounts and Rates
Huntington Bank offers several savings options, including traditional savings accounts, money market accounts, IRAs, and CDs. Here’s a breakdown of what each account offers.
Premier Savings Account
- Monthly Maintenance Fee: Waived if you maintain an average daily balance of $300 or have a linked Huntington checking account; otherwise, a $4 fee applies.
- Interest Rate: Earns interest on all balances above $0.01, though rates are generally low compared to online banks.
Relationship Savings Account
- Monthly Maintenance Fee: Waived with an average daily balance of $2,500 or a linked Huntington checking account; otherwise, a $10 fee applies.
- Interest Rate: Offers slightly better rates than the Premier Savings Account, with the potential for higher earnings when linked to a Perks Checking or Platinum Perks Checking account.
Relationship Money Market Account
- Minimum Opening Deposit: $25,000
- Monthly Maintenance Fee: Waived if you maintain an average daily balance of $25,000; otherwise, a $25 fee applies.
- Interest Rate: Competitive rates, with the potential for even higher yields when linked to a Perks Checking or Platinum Perks Checking account.
SmartInvest Money Market Account
- Eligibility: Requires an open and funded SmartInvest Checking account.
- Interest Rate: Offers competitive rates, with the highest APYs available to customers maintaining large balances in their SmartInvest Checking account.
Money Market IRA
- Minimum Opening Deposit: $1
- Interest Rate: Earns 0.50% APY on all balances.
- Tax Advantages: Allows tax-deferred savings for retirement, depending on the type of IRA chosen.
Certificates of Deposit (CDs)
- Minimum Opening Deposit: $1,000
- Interest Rates: Promotional CD rates include:
- 5-Month Term: 4.00% interest rate (4.08% APY)
- 9-Month Term: 3.00% interest rate (3.05% APY)
Rates and account requirements may vary based on location and account relationships. Checking with Huntington Bank directly can help ensure you get the best available options for your savings.
Huntington Bank Credit Cards
Huntington Bank offers a range of credit cards designed to fit different financial needs. Here’s a breakdown of their current offerings:
Cashback Credit Card
- Rewards: Earn 1.5% unlimited cash back on every purchase, whether in-store or online.
- Fees: No annual fee and no foreign transaction fees.
- Additional Benefit: Enjoy an extra day to make your minimum payment without incurring a late fee, thanks to the Late Fee Grace® feature.
Voice Rewards Credit Card
- Rewards: Earn 3X points per dollar in one of ten categories you select, up to $2,000 in spending per quarter. All other purchases earn 1X points.
- Category Flexibility: Change your chosen rewards category each quarter to align with your spending habits.
- Fees: No annual fee and no foreign transaction fees.
- Additional Benefit: Benefit from the Late Fee Grace® feature, providing an extra day to make your minimum payment without a late fee.
Voice Credit Card
- Interest Rate: Features a lower annual percentage rate (APR) compared to Huntington’s other cards, making it suitable for those who may carry a balance.
- Fees: No annual fee and no foreign transaction fees.
- Additional Benefit: Includes the Late Fee Grace® feature, offering an extra day to pay your minimum payment without a late fee.
Secured Credit Card
- Purpose: Designed to help individuals build or rebuild their credit history.
- Deposit Requirement: Requires a refundable security deposit, which typically sets your credit limit.
- Rewards: Earns cash back on purchases, allowing you to build credit while enjoying rewards.
- Fees: No annual fee.
- Additional Resources: Provides educational tools and resources to assist in improving your credit score.
Common Features Across All Cards:
- Digital Wallet Compatibility: All Huntington credit cards can be added to digital wallets like Google Pay™, Apple Pay®, and Samsung Pay for convenient and secure payments.
- Card Lock: Easily lock and unlock your card through Huntington’s mobile app or online banking if your card is misplaced or stolen.
- Free FICO® Credit Score: Access your FICO® Credit Score monthly at no extra cost, helping you stay informed about your credit status.
- No Penalty Pricing: Your APR won’t increase due to missed payments or exceeding your credit limit.
When choosing a credit card, consider your spending habits and financial goals to select the option that best suits your needs.
Huntington Bank’s Money Management Tools
Huntington Bank offers several digital tools designed to help customers save money, manage expenses, and avoid fees. Here’s an overview of the key features.
Money Scout®
Money Scout® is an automated savings tool that analyzes your spending habits, income, and upcoming expenses to identify extra funds in your checking account. It then transfers small amounts, typically between $5 and $50, into your savings account up to three times per week. This helps you build your rainy day fund effortlessly over time.
To enroll, log into your Huntington online banking or mobile app, navigate to your checking account details, and activate Money Scout®. The tool requires at least four months of account activity to understand your spending patterns before making transfers.
Savings Goal Getter℠
Savings Goal Getter℠ helps you set and track up to ten savings goals at once. Whether you’re saving for a vacation, emergency fund, or a large purchase, the tool includes calculators and progress trackers to keep you motivated.
You can set specific savings targets and deadlines, and the tool will calculate the necessary weekly or monthly contributions to help you reach your goals. Alerts keep you updated on your progress.
24-Hour Grace®
24-Hour Grace® gives you extra time to fix overdrafts and avoid fees. If your account goes negative, you have until midnight Central Time the next business day to deposit enough funds to bring your balance back to positive. This applies to checks, debit card purchases, and automatic payments.
By taking advantage of the grace period, you can avoid overdraft fees and ensure your transactions go through without disruption.
Standby Cash®
Standby Cash® provides a digital-only line of credit ranging from $100 to $500, with no credit check required. Eligibility is based on your checking account history, including at least $1,000 in monthly deposits for three consecutive months and an average daily balance of $200 or more.
Once approved, you can transfer the funds immediately to your checking account. If repaid within three months through automatic payments, no interest is charged. If you need longer, a 1% monthly interest charge (12% APR) applies. There is also a 5% cash advance fee when you withdraw the funds.
These tools make it easier to build savings, avoid unnecessary fees, and access funds when needed.
Business Banking
Huntington National Bank also offers business checking accounts, savings accounts, credit cards, Business Banking
Huntington National Bank offers a range of business banking solutions, including checking accounts, savings accounts, credit cards, and loans tailored to meet diverse business needs.
Business Checking Accounts
Huntington provides three tiers of business checking accounts:
- Business Checking 100: Ideal for small businesses and startups, this account offers up to 100 monthly transactions and allows up to $2,500 in cash or currency deposits each month without incurring fees. Notably, there are no monthly maintenance fees associated with this account.
- Unlimited Business Checking: Designed for growing businesses, this account provides unlimited transactions and permits up to $10,000 in cash or currency deposits monthly without fees. The $20 monthly maintenance fee can be waived by maintaining a combined average daily balance of $10,000 across your Huntington business accounts.
- Unlimited Plus Business Checking: This interest-bearing account caters to larger businesses with higher transaction volumes. It offers unlimited transactions and allows up to $25,000 in cash or currency deposits each month without fees. The $40 monthly maintenance fee is waived if you maintain a combined average daily balance of $50,000 across your Huntington business accounts.
Business Loans
Huntington supports business growth through various loan options, including:
Specialized Loans: Tailored financing solutions for specific industries, such as dental and veterinary practices.
Term Loans and Real Estate Loans: Financing for equipment purchases, expansion projects, or real estate acquisitions.
Business Lines of Credit: Flexible funding to manage cash flow, cover operational expenses, or seize new opportunities.
SBA-Guaranteed Loans: Loans backed by the Small Business Administration, often featuring favorable terms for qualifying businesses.
Current Promotional Offers
Huntington Bank frequently provides promotional offers for new customers. The following promotional bonuses are available:
Personal Checking Account Bonuses
- Perks Checking: Open a new Perks Checking account by June 9, 2025, and earn a $400 bonus by setting up and receiving qualifying direct deposits totaling $500 or more within 90 days of account opening. This account offers benefits like five free non-Huntington ATM withdrawals per statement cycle and credit score monitoring at no additional cost.
- Platinum Perks Checking: Open a new Platinum Perks Checking account by June 9, 2025, and earn a $600 bonus by making total new money deposits of $25,000 or more within 90 days of account opening. Benefits include unlimited non-Huntington ATM withdrawals, credit score and identity theft monitoring, and interest earnings on your balance.
Business Checking Account Bonuses
- Business Checking 100: Earn a $100 bonus by opening a new Business Checking 100 account and making total deposits of at least $2,000 within 60 days of account opening. This account has no monthly maintenance fees and includes up to 100 monthly transactions.
- Unlimited Business Checking: Receive a $400 bonus when you open a new Unlimited Business Checking account and make total deposits of at least $5,000 within 60 days. The $20 monthly maintenance fee is waived with $10,000 in total deposit relationship balances.
- Unlimited Plus Business Checking: Obtain a $1,000 bonus by opening a new Unlimited Plus Business Checking account and making total deposits of at least $20,000 within 60 days. To waive the $40 monthly maintenance fee, maintain $50,000 in total deposit relationship balances.
Please note that promotional offers are subject to change. It’s advisable to check Huntington Bank’s official website or contact a representative for the most current information before opening a new account.
Banking Experience
In addition to branches and ATMs, Huntington has a mobile app and website packed with all the features. With online banking, you get mobile check deposit, real-time alerts, money transfers, and bill pay. You can also access customer service by phone during business hours.
Comparable Banking Options
Huntington Bank competes with other regional banks that offer similar checking, savings, and promotional incentives. Two notable alternatives are PNC Bank and Fifth Third Bank.
PNC Bank
PNC has a larger footprint, operating in 29 states compared to Huntington’s 11-state presence. It also has an extensive ATM network, with 60,000 ATMs nationwide, far surpassing Huntington’s reach.
PNC offers its Virtual Wallet® accounts, which combine checking and savings features. Most of its accounts have no monthly fees, and new customers can earn a $200 sign-up bonus by meeting deposit requirements.
Fifth Third Bank
Fifth Third serves 11 states, overlapping with Huntington in several regions. It offers fee-free checking options, including Momentum Checking, which has no monthly maintenance fees or minimum balance requirements.
Fifth Third also provides a $275 bonus for new checking account customers who set up qualifying direct deposits.
Why Huntington Bank Stands Out
Huntington Bank is one of the best regional banks, offering a mix of fee-free checking, strong digital tools, and unique perks like 24-Hour Grace® overdraft protection. Its promotional bonuses and flexible account options make it a competitive choice for those looking for a regional bank with big-bank conveniences.
Bottom Line
Huntington Bank balances traditional banking with modern conveniences, making it a practical choice for individuals and businesses. Its overdraft protection, sign-up bonuses, and business-friendly accounts offer advantages that aren’t always available at larger institutions. The bank’s digital tools help customers manage their finances efficiently, while fee-free checking options make everyday banking more accessible.
For those who prefer a bank with strong customer perks and a reliable in-person presence, Huntington delivers. While its savings rates aren’t the highest, its checking accounts and promotional incentives provide solid value.
