The Huntington National Bank, better known as just Huntington Bank, is a Columbus, Ohio-based regional bank that operates primarily in the Midwest.
Huntington Bank has been around for over 150 years and is the 21st largest bank in the US, with over $189 billion in total assets.
Huntington is an equal housing lender and offers personal, small business, and commercial banking services.
To better understand what banking with Huntington looks like, this Huntington Bank review covers all of the ins and outs, from its product offerings to its pricing model.
Huntington Bank Checking Accounts
Here are the current checking account options available from Huntington Bank:
Asterisk-Free Checking
The Asterisk-Free Checking account is an option with no minimum initial deposit or balance requirements.
This straightforward account comes with a debit card, online banking, and all of the digital tools within The Hub.
It’s the only Huntington checking account that doesn’t come with an annual percentage yield (APY) but should serve most basic banking needs.
Huntington Perks Checking
Huntington Perks Checking offers premium features and requires only $1,000 minimum deposits or a combined balance of $5,000 across all Huntington accounts to waive the $10 monthly fee.
Huntington Perks checking is interest-bearing, but the rates vary by location. With linked Huntington Perks checking, you may also earn a higher APY on your Huntington money market or savings account.
The account includes five fee-free non-network ATM withdrawals per month and credit score monitoring.
Huntington Platinum Perks Checking
Huntington Platinum Perks Checking is an interest-bearing checking account with a $25 monthly fee, which they will waive if you carry a monthly balance of $25,000 or more across all Huntington accounts.
With Huntington Platinum Perks Checking, you have unlimited fee-free transactions at non-Huntington ATMs, credit score monitoring, identity monitoring, unlimited free checks, and a discounted home equity relationship rate.
The actual APY you’ll earn on your deposits varies based on your zip code.
Huntington Savings Accounts
Here are the current savings account options available from Huntington Bank:
Huntington Premier Savings
The Premier Savings account is a standard savings account with an APY of 0.01%. There’s a $4 monthly service fee, which you can avoid by carrying an average daily balance of $300 or more or having a linked Huntington checking account.
Premier Savings comes with free overdraft protection for your linked checking account, and there are no fees if the overdraft is less than $50; otherwise, it’s $15 per item, with a maximum of three fees per day.
There’s a minimum deposit requirement of $50 to open an account, and all balance tiers earn interest.
Huntington Relationship Savings
Relationship Savings is a premium savings option with all of Premier’s benefits and features, plus some slightly higher earning potential on interest.
The APY for the account is tiered based on your relationship with the bank.
You’ll earn the same 0.01% with no linked Huntington checking account.
The rate goes up to 0.02% with a linked Huntington Perks or Platinum Perks checking account and 0.06% with a Huntington Private Client account.
Relationship Savings comes with a monthly fee of $10, but you won’t pay it if you keep an average daily balance of $2,500 or more or hold a linked Huntington Perks or Platinum Perks checking account.
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Huntington Relationship Money Market Account
Huntington’s Relationship Money Market is the closest thing the bank offers to a high-yield bank account, though the rates leave much to be desired.
You’ll need a balance of at least $25,000 to earn interest, and the current rate for all tiers is 0.05%.
Huntington occasionally runs promotions to earn higher interest rates. Currently, account holders can earn 4.4% to 4.7% on balances for the first 180 days. The rate may change afterward; read the disclosures to determine what you can get based on your accounts.
The account comes with a $25 fee, and you’ll need an average daily balance of $25,000, or a Huntington Perks or Platinum Perks account to get around it.
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Huntington Bank CDs (Certificates of Deposit)
Next, let’s review Huntington Bank’s CD products in this Huntington Bank review.
Fixed-Rate CDs
Fixed-rate CDs are offered with term lengths ranging from one to 72 months and require a minimum deposit of $1,000 and a maximum of $99,999.99.
Here are the current Huntington National Bank CD rates:
| Product | APY | Min Deposit |
|---|---|---|
| 6 Month CD | 0.03% | $1,000 |
| 6 Month Jumbo CD | 0.03% | $100,000 |
| 9 Month CD | 0.03% | $1,000 |
| 9 Month Jumbo CD | 0.03% | $100,000 |
| 1 Year CD | 0.03% | $1,000 |
| 1 Year Jumbo CD | 0.03% | $100,000 |
| 18 Month CD | 0.03% | $1,000 |
| 18 Month Jumbo CD | 0.03% | $100,000 |
| 2 Year CD | 0.03% | $1,000 |
| 2 Year Jumbo CD | 0.03% | $100,000 |
| 30 Month Jumbo CD | 0.03% | $100,000 |
| 35 Month Jumbo CD | 0.03% | $100,000 |
| 3 Year CD | 0.03% | $1,000 |
| 4 Year CD | 0.03% | $1,000 |
| 4 Year Jumbo CD | 0.03% | $100,000 |
| 5 Year CD | 0.03% | $1,000 |
| 5 Year Jumbo CD | 0.03% | $100,000 |
| 6 Year CD | 0.03% | $1,000 |
Jumbo Fixed Rate CDs
Huntington offers Jumbo Fixed Rate CDs for those looking to fund a CD with $100,000 or more. Term lengths are in days instead of months, and you can agree to terms ranging from 7 days to 1825 days.
Here are the current Huntington National Bank Jumbo CD rates:
| Product | APY | Min Deposit |
|---|---|---|
| 6 Month Jumbo CD | 0.03% | $100,000 |
| 9 Month Jumbo CD | 0.03% | $100,000 |
| 1 Year Jumbo CD | 0.03% | $100,000 |
| 18 Month Jumbo CD | 0.03% | $100,000 |
| 2 Year Jumbo CD | 0.03% | $100,000 |
| 30 Month Jumbo CD | 0.03% | $100,000 |
| 35 Month Jumbo CD | 0.03% | $100,000 |
| 4 Year Jumbo CD | 0.03% | $100,000 |
| 5 Year Jumbo CD | 0.03% | $100,000 |
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Huntington Bank Credit Cards
Huntington Bank currently offers a few credit card options that we felt were important to include in this Huntington Bank review:
Voice Credit Card
The Voice Credit Card has no annual or foreign transaction fees and offers a Late Fee Grace that allows you an extra day if you forget to make a payment.
With Voice, you can choose the benefits that best fit your financial life. If you’re looking for rewards, you can earn triple points on a spending category you choose, like gas, travel, or dining out, which you can change each quarter.
The rewards are good on up to $2,000 spending per quarter, and you earn 1x points on purchases in all other categories. You can change your categories four times per year (once per quarter). Each point you earn equals one cent, so 100 points equals $1.00.
Cashback Credit Card
You can earn 1.5% cash back on all purchases with no limit. The card has no annual fee and no categories to track. You can earn cash back online or in-store, and there aren’t any foreign transaction fees.
You choose how you receive your rewards, either automatically monthly as a monthly statement credit or manually when you want to redeem the rewards.
Cardholders also get:
- One extra day to pay without incurring a late fee
- Digital wallet
- Card lock and unlock features
- Free FICO credit score
- No penalty APRs
- Contactless payments
- Add authorized users for free
Lower Rate Credit Card
If you’d rather have a lower rate than rewards, the Lower Rate credit card is a good choice. This works well for people who carry a balance. Rewards aren’t worth as much when you pay high interest rates on a carried balance.
The card also doesn’t have an annual fee and it includes the Late fee Grace period, allowing an extra 24 hours to make your payment without incurring a late fee. The card also doesn’t have a penalty APR if you make a payment late.
Huntington Bank Features
Here is an overview of Huntington Bank’s best banking features.
1000 Branches in 11 States
Huntington Bank is a regional bank, operating physical branches in 11 states — Ohio, Colorado, Florida, Illinois, Indiana, Kentucky, Michigan, Minnesota, Pennsylvania, West Virginia, and Wisconsin. Of its nearly 1000 branches, most are located in the Midwest.
Though it does offer online banking services, accounts with Huntington aren’t available nationwide, so you’ll need to be a resident of one of its served states to become a customer.
Online Banking
Huntington’s online banking platform, which it calls The Hub, allows digital access to your accounts, transfers, bill pay, and customer support.
The Hub also has online banking tools to help with spending, budgeting, and savings goals.
Take a look at the features you’ll have at your disposal:
- Spend Analysis: This tool tracks your spending and breaks it into categories. It’ll also analyze your spending habits to help identify where your money is going.
- Spend Setter: Spend Setter helps you set budgets and determine how much you have to spend each month by analyzing the data in your checking account and any Huntington credit cards.
- Look Ahead Calendar: Your calendar helps you stay on top of upcoming expenses like scheduled bill payments.
- Savings Goal Getter: This tool helps keep your savings goals in mind by giving them a name, a target amount, and a deadline to reach them.
- Money Scout: Money Scout is an optional, automatic savings tool that transfers small amounts from checking to savings based on your transaction patterns. To use Money Scout, you’ll need to have Spend Analysis active.
Mobile App
Huntington’s mobile banking app allows you to check your balance, pay bills, send money with Zelle, and make mobile check deposits.
You can also set up push notifications for any transactions and find the nearest branch or ATM.
The app is available on iOS and Android and currently has a 4.8-star (out of 5) rating in the App store and 4.4 stars (out of 5) in the Google Play Store.
1,600 ATMs
Throughout its service region, Huntington has more than 1,600 fee-free ATMs available for its customers.
Huntington charges a $3 ATM fee for out-of-network use, so be sure to find a few in your area.
24-Hour Grace
24-Hour Grace is a standard feature for all checking, savings, and money market accounts.
If you overdraft your account, you’ll have until midnight on the following business day to get your account balance out of the red to avoid an overdraft fee.
Huntington Bank Fees
Monthly Maintenance Fees
Except for the Asterisk-Free Checking, you can expect a monthly maintenance fee with a checking, savings, or money market account from Huntington.
The good news is they’re avoidable with a certain minimum balance requirement, and all savings and money market accounts are free with a linked Huntington checking account (except Asterisk checking).
Here’s a look at the fees:
| Account | Monthly Fee | Avoidable? (Y/N) | How to Avoid |
| Asterisk-Free Checking | $0 | N/A | N/A |
| Huntington Perk | $10 | Y | $1,000 in direct deposits or a $5,000 balance across accounts |
| Huntington Platinum Perks | $25 | Y | $25,000 balance across accounts |
| Premier Savings | $4 | Y | $300 average daily balance or linked checking account |
| Relationship Savings | $10 | Y | $2,500 average daily balance or linked checking account |
| Relationship Money Market | $25 | Y | $25,000 average daily balance or linked checking account |
Overdraft Fees
On the bright side, Huntington has several features in place to help protect against overdrafts.
First, there’s 24-Hour Grace, which gives you an extra day to settle up a negative balance before the fee hits.
Huntington also offers a $50 Safety Zone, which protects customers against fees on overdrafts of $50 or less.
The bad news is the fees are steep if you overdraft your account by more than $50.
Huntington charges $15 per overdraft, and the fee will come through up to three times per day if you continue to make transactions.
ATM Fees
Huntington ATMs are always free for customers, but if you use a non-Huntington ATM, you’ll pay $3 per transaction, plus any additional fees that the ATM itself comes with unless you have Platinum Perks Checking which offers free unlimited non-network ATM withdrawals.
International Transaction Fees
Huntington credit cards have no foreign transaction fees, but if you use your Huntington debit card overseas, you’ll see a 3% fee for purchases or ATM withdrawals.
Other Fees
- Stop Payment: $31
- Wire Transfer (to another Huntington account): $10
- Wire Transfer (Incoming): $15
- Wire Transfer (Domestic Outgoing): $25
- Wire Transfer (International Outgoing): $75
Getting Started
Opening an account with Huntington is simple — you can apply online at Huntington.com in as little as five minutes or pop into a local branch and open an account in person.
Once you’ve chosen the account you want to open, all you need is a Social Security Number, a government-issued ID, and a means to fund your new account.
For online applications, you can fund with a mobile check deposit or an ACH transfer, and if you apply in person, you can use cash, check, money order, or electronic transfer.
Remember that to qualify for an account, you must reside in one of the eleven states Huntington Bank has branches.
Huntington Bank Promotions
One of the biggest selling points of Huntington Bank is its sign-up bonuses.
The bank’s strategy is built around relationship banking, and it aims to start that relationship strong with plenty of cash incentives on multiple accounts.
Here are some of the best Huntington National Bank promotions going on right now:
1. Perks Checking - $400 bonus
Expires: October 7, 2023
Huntington is offering a welcome bonus to those opening new personal checking accounts. This one offers $400 for any deposit into their Perks Checking account. Previously they required at least $1,000 to qualify.
This account comes with a monthly fee unless you meet the requirements to waive it. You'll also want to note that while there is no minimum opening deposit for the account itself.
How to earn the bonus
The Perks Checking sign up offer requires you to deposit and maintain a minimum balance in order to earn the $400 bonus. Full requirements to receive this bonus are:
- Open a new Huntington Perks Checking account using the link below.
- Within 90 days, make a qualifying direct deposit.
- Keep your account open for 90 days.
- Bonus will be deposited to your new account within 14 days of meeting the requirements.
Apply now to earn the $400 bonus from Huntington
2. Platinum Perks Checking - $600 bonus
Expires: October 7, 2023
Huntington is offering a couple of welcome bonuses to customers opening new personal checking accounts. This promotion offers $600 for a $25,000 deposit into their premium Platinum Perks Checking account.
They're also running a similar deal for new Perks Checking accountholders, which is their middle-tier personal checking product. In our opinion, that one offers a better ROI: $400 for a direct deposit. So, unless you have a solid reason for the premium account, we think you can put your cash to better use elsewhere.
How to earn the bonus
The Platinum Perks Checking sign up offer requires you to deposit and maintain a minimum balance in order to earn the $600 bonus. Full requirements to receive this bonus are:
- Open a new Huntington Platinum Perks Checking account using the link below.
- Within 90 days, make deposits totaling $25,000.
- Keep your account open for 90 days.
- Bonus will be deposited to your new account within 14 days of meeting the requirements.
Apply now to earn the $600 bonus from Huntington
3. Unlimited Business Checking - $400 bonus
Expires: January 15, 2024
Huntington is offering a welcome bonus to those opening new business checking accounts. This one offers $400 for a $5,000 deposit. They're also running $100 and $1,000 offers for $2,000 and $20,000 deposits, respectively.
While the account needs to remain open for 6 months to avoid forfeiting the offer, you will get the bonus within 2 weeks of meeting the requirement which is pretty great!
How to earn the bonus
The Unlimited Business Checking sign up offer requires you to deposit and maintain a minimum balance in order to earn the $400 bonus. Full requirements to receive this bonus are:
- Open a new Unlimited Business Checking account using the link below.
- Within 60 days, make deposits totaling $5,000.
- Keep the account open for at least 90 days.
- Bonus will be deposited to your new account within 14 days of meeting the requirements.
Apply now to earn the $400 bonus from Huntington
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Security
Huntington comes with all the assurances that you can expect from a big bank when it comes to security.
Huntington is a member-FDIC financial institution, so all deposits are protected up to $250,000.
Regarding online security, Huntington employs 128-bit Secure Socket Layer (SSL) encryption, session timeouts, secure firewalls, and automatic security alerts.
Huntington’s website is also full of helpful guides on preventing fraud and increasing your personal security, along with tools to assist if you’re a victim of fraud, phishing, or identity theft.
Customer Service
When you need help, you can stop by a branch during business hours, call the customer service line, send an email, or chat with an automated online assistant.
You can also hit them up on Twitter or Facebook. Huntington’s general customer service phone line (800-480-2265) is available from 7 a.m. to 7 p.m. Eastern Time daily.
Huntington customers have mixed feelings about the service, as they have a rating of 2.2 stars (out of 5) with ConsumerAffairs.
Pros & Cons
Pros:
- Attractive sign-up bonuses
- Plenty of locations within the service area
- Lots of account options
- Solid customer service
Cons:
- A regional bank with a presence in just 11 states
- Low-interest rates
- Lots of fees
Alternatives to Huntington Bank
If you live outside of Huntington’s service area or just want to get an idea of other options, you might want to check out other regional banks like:
For options that bring a little more to the table in terms of a high APY, take a look at online banks like:
Frequently Asked Questions
Is Huntington a good bank?
Huntington is a well-liked regional bank and is one of the biggest banks in terms of total assets in the US. It doesn’t compete with upstart online banks in terms of fee structure or interest-earning, and it can’t match the widespread presence of the national powerhouses. Still, if you live in one of its service states, Huntington is a perfectly serviceable option.
Which bank is better, Huntington or PNC?
Both banks are regionally based, with Huntington in the Midwest and PNC mainly in the Mid-Atlantic. PNC is definitely the bigger of the two and offers online products outside its service area.
That said, the better bank is the one that fits your needs best. Identify what you need from a bank and compare them side-by-side. From there, things should seem a lot clearer.
Is Huntington Bank being bought out?
No. In late 2020, Huntington announced a merger with TCF Bank, a Detroit-based bank that operates in the West and Midwest, but the bank will retain the Huntington name. Some retail locations in Michigan will likely close due to some overlap, but overall, the merger signals continued growth for Huntington as an institution.
Is Huntington Bank Right For You?
Our Huntington Bank review determines that if you don’t live in one of the 11 states that Huntington currently operates in, then no, it isn’t worth it. It’s worth keeping an eye on Huntington as it grows through mergers, but currently, the bank is only available in a fairly limited region of the US.
That said, there’s plenty to like about what Huntington offers. With enticing sign-up bonuses and intuitive online financial products, the bank has enough functionality to serve as a solid option.
If you like the idea of a regional bank with plenty of in-person support, Huntington serves as a viable bridge between traditional and online banking.
On the downside, there isn’t much to get excited about in terms of interest-earning potential, and though its fees are generally lower than bigger national banks, they still pop up more frequently than we’d like.
Overall, Huntington is a growing bank that is highly capable of serving its region’s banking needs and could continue to become more of a national player in the industry.
