Huntington Bank Review

Huntington National Bank

Overall Rating


Bottom Line

If you live in one of the 7 states that Huntington Bank operates, you have some solid options for high-yield checking, savings, and CDs!


  • Attractive sign-up bonuses
  • Plenty of locations within the service area
  • Lots of account options
  • Solid customer service


  • Lots of fees
  • Low-interest rates
  • Only one credit card

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 more than 150 years and stands today as the 37th largest bank in the US with more than $100 billion in total assets.

Huntington is an equal housing lender and offers personal, small business, and commercial banking services.

To give you a better idea of what banking with Huntington looks like, we’ll cover all of the ins and outs, from its product offerings to its pricing model.

In This Article

Huntington Bank Checking Accounts

Here are the current checking account options available from Huntington Bank:

Asterisk-Free Checking

The Asterisk-Free Checking account is a free checking account option with no minimum initial deposit or minimum 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 5 Checking

Huntington 5 is an interest-bearing checking account that comes with a $5 monthly fee, which is waived if you carry a monthly balance of $5,000 or more across all of your Huntington accounts.

With Huntington 5, you get up to five fee-free transactions at non-Huntington ATMs per month, plus credit score monitoring and a 1.05% cash back on purchases with your linked Voice Credit Card.

The actual APY that you’ll earn on your deposits vary based on your zip code, and a Huntington 5 account will also score better relationship interest rates on savings and money market accounts.

Huntington 25 Checking

Huntington 25 is the bank’s most premium checking option with its highest-yield APY. It’s basically a boosted version of Huntington 5.

Here’s a look at the benefits that come with Huntington 25:

  • Unlimited fee-free ATM withdrawals from non-Huntington ATMs
  • Free checks
  • Better relationship rates on savings and money market accounts
  • Free credit score monitoring
  • Free identity monitoring
  • 1.25% cashback on Voice Credit Card purchases
  • Discounted rates on home equity credit lines and mortgages
  • 100 commission-free online equity or ETD trades per year with Huntington Financial Advisors

The $25 monthly checking account fee is waived if you hold a balance of $25,000 or more across all accounts, and like Huntington 5, the APY varies based on your location.

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 that comes with an APY of 0.02%. There’s a $4 monthly service fee, which you can avoid by carrying an average daily balance of $300 or more or by holding a linked Asterisk-Free Checking account.

Premier Savings comes with free overdraft protection for your linked checking account, along with extended deposit hours (up to midnight on a given business 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 that comes 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.

With no linked checking or Asterisk-Free, you’ll earn the same 0.02%.

The rate goes up to 0.03% with a linked Huntington 5 account, 0.05% with Huntington 25, and 0.08% with a 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 5 or Huntington 25 account.

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 a lot 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%. The lone exception is for customers who hold a Private Client account, whose deposit will earn a rate of 0.08%.

The account comes with a $25 fee, and you’ll need an average daily balance of $25,000 or a Huntington 5 or Huntington 25 account to get around it.

Huntington Bank CDs (Certificates of Deposit)

Next, let’s review Huntington Bank’s CD products.

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’s a look at the interest rate breakdown for each term length:

  • 1 to 3 months: 0.01% APY
  • 6 to 18 months: 0.05% APY
  • 24 to 72 months: 0.10% APY

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 offered in days instead of months, and you can agree to terms ranging from 7 days to 1825 days.

Here’s a look at the current Jumbo CD rates:

  • 7 to 90 days: 0.01% APY
  • 180 to 547 days: 0.05% APY
  • 730 to 1825 days: 0.10% APY

Huntington Bank Credit Cards

Huntington Bank currently only offers one credit card:

Voice Credit Card

The Voice Credit Card, which comes with no annual fee, no foreign transaction fees, and 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 of your choice, like gas, travel, or dining out, which you can change each quarter.

If you’d rather opt for a lower APR, you can forgo rewards and get a 2% lower purchase APR instead.

This is a solid option if you tend to carry a balance, and you can still earn cashback on purchases with a linked checking account.

Huntington Bank Features

Here is an overview of Huntington Bank’s best banking features.

920 Branches in 7 States

Huntington Bank is a regional bank, currently operating physical branches in seven states — Ohio, Illinois, Indiana, Kentucky, Michigan, Pennsylvania, and West Virginia. Of its nearly 1000 branches, more than half are located in Ohio and Michigan.

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 all of your accounts, transfers, bill pay, and customer support.

The Hub is also flush with 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 both 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 at front of 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 both iOS and Android and currently has a 4.8-star (out of 5) rating in the App store and 3.9 stars (out of 5) in the Google Play Store.

1,300 ATMs

Throughout its service region, Huntington has more than 1,300 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 feature that comes standard with 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

With the exception of Asterisk-Free Checking, you can expect to see a monthly maintenance fee with a checking, savings, or money market account from Huntington.

The good news is that they’re all avoidable with a certain minimum balance requirement, and all savings and money market accounts are free with a linked Huntington 5 or Huntington 25 account.

Here’s a look at each account, what the fee looks like, and how to get it waived:

Account Monthly Fee Avoidable? (Y/N) How to Avoid
Asterisk-Free Checking $0 N/A N/A
Huntington 5 $5 Y $5,000 balance across accounts
Huntington 25 $25 Y $25,000 balance across accounts
Premier Savings $4 Y $300 average daily balance
Relationship Savings $10 Y $2,500 average daily balance
Relationship Money Market $25 Y $25,000 average daily balance

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 that you overdraft your account by more than $50, the fees are steep.

Huntington charges $37.50 per overdraft, and the fee will come through up to four 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 be charged $3 per transaction, plus any additional fees that the ATM itself comes with.

International Transaction Fees

The Voice credit card has 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
  • Return Deposit Item: $10
  • 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 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 Ohio, Illinois, Indiana, Kentucky, Michigan, Pennsylvania, or West Virginia.

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.

Take a look at each of the promotions that Huntington is offering right now:

Huntington Bank LogoHuntington Huntington 5 Checking® $200 February 7, 2022
  • Minimum Balance
Huntington Bank LogoHuntington Unlimited Plus Business Checking $750 November 7, 2021
  • Minimum Balance
Huntington Bank LogoHuntington Unlimited Business Checking $400 November 7, 2021
  • Minimum Balance
see all bonuses


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 of your deposits are protected for up to $250,000.

For 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 some 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 am to 7 pm Eastern Time daily.

Overall, current Huntington customers tend to seem satisfied with its service, and the bank holds a rating of 3.7 stars (out of 5) with ConsumerAffairs.

Pros & Cons


  • Attractive sign-up bonuses
  • Plenty of locations within the service area
  • Lots of account options
  • Solid customer service


  • A regional bank with a presence in just seven states
  • Low-interest rates
  • Lots of fees
  • Only one credit card

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:

…which all come with online-only banking platforms, high-yield accounts, and no fees.


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, but 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?

If you don’t live in one of the seven states that Huntington currently operates in, then no, it isn’t. It’s worth keeping an eye on Huntington as it grows through mergers, but at the moment, the bank is only available in a fairly limited region of the US.

That said, there’s plenty to like about what Huntington has to offer. With a ton of enticing sign-up bonuses and intuitive online financial products, the bank comes with 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.