Huntington Bank

Huntington Bank

 3.6/5 (494 reviews)
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Overall Rating3.6 out of 5
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About Huntington Bank

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Huntington Bank offers a range of checking and savings accounts, credit cards, personal loans and mortgages, and has over 1,000 branches in 11 states. Huntington Bank is known for its 24-hour grace overdraft fee waiver, which gives customers additional time to make a deposit to cover an overdraft before incurring fees.

Pros & Cons


  • Strong regional presence
  • Offers a wide range of financial service
  • Great checking account perks


  • Limited national footprint
  • Some monthly fees
  • Low interest rates on savings accounts

Bottom Line

If you live in one of its 11 states and are looking for a regional bank with a range of financial products and services, Huntington Bank may be a good choice for you. It has a free checking and savings account option, with plenty of ways to avoid overdrafts. But it has below-average interest rates on most savings accounts.

Top Huntington Bank Reviews


Very friendly on the phone or in person. Great variety of accounts and services. The overdraft protection is always a nice perk, and they were really great helping their customers...

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I have been with this bank for many years. When I had my debit card number was stolen, I received a message from my bank very quickly. The staff is always there to answer any ques...

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What is Huntington Bank?

Huntington Bank is headquartered in Columbus, Ohio, and provides a variety of accounts for individuals, businesses, commercial entities and high-net-worth clients. It also offers a variety of digital banking tools to help customers monitor spending and track savings goals.

Huntington Bank has over 1,000 branches in these 11 states:

  • Colorado
  • Florida
  • Illinois
  • Indiana
  • Kentucky
  • Michigan
  • Minnesota
  • Ohio
  • Pennsylvania
  • West Virginia
  • Wisconsin

If you live in one of these states, you can open an account with Huntington Bank and access its products and services.

How does Huntington Bank work?

You can open an account with Huntington Bank online or at a branch location. The process is as simple as choosing which account you want to open, entering your personal information and funding the account.

One unique feature of Huntington Bank is its 24-hour grace period for overdrafts; if you overdraw your account by more than $50, you'll have until the end of the next business day to make a deposit to cover the overdraft and avoid fees. There’s no overdraft fee for accounts overdrawn by $50 or less.

Another unique feature is its "Asterisk-Free Checking" account, which has no monthly maintenance fee and no minimum balance requirement.

Huntington Bank is insured by the Federal Deposit Insurance Corporation (FDIC), which means that deposits up to $250,000 per depositor are insured. This insurance provides protection to depositors in the event that the bank fails or is unable to return deposits.

Huntington Bank products and services

With Huntington Bank, you’ll find these products and services:

Checking accounts

All Huntington Bank checking accounts come with these perks:

  • A Standby Cash line of credit
  • No fee for overdrafts up to $50
  • A 24-hour grace period for overdrafts over $50
  • Direct deposits received up to two days early
  • Instant access to check deposits, up to $500

Here’s an overview of each Huntington checking account:

Asterisk-Free Checking is a basic account with no monthly maintenance fee or minimum balance requirement.
Huntington Perks Checking earns interest and comes with free credit score monitoring and five free non-network ATM withdrawals a month. It has a $10 monthly fee that's waived with at least $1,000 in monthly direct deposits or a $5,000 balance across all Hungtington accounts.
Huntington Platinum Perks Checking offers the highest interest rates, free checks, discounts on mortgages and home equity loans, 100 commission-free investments and unlimited ATM reimbursements. But it has a $25 monthly maintenance fee. You can waive it by keeping at least $25,000 across all Huntington accounts.
Huntington SmartInvest Checking is designed for customers who keep at least $100,000 across all Huntington accounts. It comes with no account fees, better relationship rates, a dedicated identity restoration specialist and more.
Kids and teens under age 18 can open a Huntington Student Checking account with a co-signer at a branch location.

Savings accounts

With Huntington Bank savings accounts, you can:

  • Set and track savings goals with Savings Goal Getter
  • Move idle cash from your Huntington checking account to your savings account with Money Scout
  • Avoid overdraft fees by linking your savings account to a Huntington checking account

Here’s a closer look at Huntington’s savings accounts:

Huntington Premier Savings is a basic savings account that only earns 0.01% annual percentage yield (APY) at publishing. It has a $50 opening deposit requirement. You can avoid the $4 monthly fee by opening a Huntington checking account.
Huntington Relationship Savings earns a slightly higher interest rate than Premier Savings — up to 0.06% at publishing. It has a $10 monthly fee that’s waived when you have a Perks Checking or Platinum Perks Checking account.
With the Huntington Relationship Money Market Account, you can earn an APY of up to 3.66%, which is on par with most online banks. However, you must keep at least $25,000 in your account to earn interest, and the highest rates are reserved for Private Client customers.

Certificates of deposit

Huntington Bank's certificates of deposit (CDs) can be a good option if you're looking for a low-risk investment with a guaranteed return. You’ll lock in the best rate if you go with a promotional CD, which requires a $1,000 deposit and earns 4.60% at publishing. Huntington also offers jumbo CDs and individual retirement account (IRA) CDs.

Business accounts

Huntington Bank has a full lineup of business banking products, including checking accounts with unlimited transactions, savings accounts, money market accounts, CDs, credit cards, business loans and more. You can open most business bank accounts online.

Credit cards

You’ll find three personal credit cards at Huntington Bank. Each has no annual fee, no foreign transaction fees and late-fee forgiveness.

  • Cashback Credit Card earns unlimited 1.5% cash back
  • 3x Rewards earns three times the points on one category of your choice
  • Lower Rate Credit Card forgoes cash back in exchange for a lower APR

The bank also offers several credit cards for businesses.


With Huntington Bank, you can secure loans for several types of mortgages, including fixed-rate, adjustable rate, Federal Housing Administration (FHA), Veterans Affairs (VA) and U.S. Department of Agriculture (USDA) loans.

The bank also offers home equity loans and lines of credit, jumbo loans, auto loans, personal loans and more.


Huntington Bank offers a range of investment offerings for individuals and businesses, including brokerage services, mutual funds, exchange-traded funds (ETFs), annuities, retirement accounts and managed portfolios.


Huntington bank provides customers with these insurance policies:

  • Home insurance
  • Life insurance
  • Auto insurance

Huntington Bank fees

Huntington checking account monthly fees range from $0 to $25. Savings account fees range from $4 to $25. All fees can be waived when you meet certain requirements, such as having a linked Huntington account or maintaining a minimum balance.

Huntington Perks, Platinum Perks and SmartInvest Checking accounts come with ATM rebates for non-network machines. In addition, you can avoid overdraft fees by linking a Huntington savings account to your checking account.

Depending on which account you have, Huntington may also charge these fees:

  • $3.50 for non-network ATM transactions
  • 3% for international transactions
  • $15 for overdrafts over $50, up to three times per day
  • $10 for internal wire transfers to another Huntington account
  • $15 for incoming domestic and international wire transfers
  • $25 for outgoing domestic wire transfers
  • $75 for outgoing international wire transfers

Huntington Bank FAQ

Does Huntington Bank use Zelle?

Yes, Huntington Bank offers Zelle as a feature for its customers to send and receive money easily and securely within the bank's mobile app or online banking platform.

Where is Huntington Bank available?

Huntington Bank is available in 11 states, including Colorado, Florida, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, West Virginia and Wisconsin. It has over 1,000 branches and ATMs across these states.

Is Huntington Bank considered a big bank?

Huntington Bank is among the top 25 largest banks in the U.S. by asset size. It has over $182 billion in assets and a strong presence in the Midwest region.

How can I open a new checking account with Huntington Bank?

You can open a new checking account with Huntington Bank online, over the phone or by visiting a branch. You'll need to provide personal and financial information to complete the application.

Is Huntington Bank legit?

Huntington Bank is a legitimate financial institution with a variety of personal and business bank accounts, including checking, savings, money market and CD accounts. The bank also offers credit cards, personal loans and mortgages.

If you live in one of the 11 states where Huntington Bank operates and are looking for a bank with a range of financial products and services, including unique features like the 24-hour grace period for overdrafts and a free checking account, then it may be a good choice for you.

Huntington Bank Reviews

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Page 1 Reviews 0 - 10
Verified Reviewer
Original review: May 24, 2023

I opened my checking account with TCF bank over 25 years ago. I had no complaints. Then TCF got acquired by Huntington. I figured I would see how things work out. For a while things were okay. Nothing too good, nothing too bad. They offered me $1,000 standby cash and though I did not really need it, I figured why not, you never know. The offer seemed like it was based on my banking history. I am sure somewhere in the fine print they talked about all sorts of things, including a credit check, which I was not really prepared for, only saw it when my credit score went down because of the credit check. Okay, whatever.... Then I figured I would try how it worked. I did, it was fairly simple, but I really did not need the credit so I paid it back. Next surprise - because I did not pay it back with their autopay option, they reduced my credit line by the amount I transferred. And with that, boom, my credit score got affected. For what? Paying early?

A couple of months later I started my own business so I no longer got direct deposit every two weeks from an employer. Money was still coming in, bills need to be paid after all, just not like before. You can guess, the next thing that happened, they reduced the standby cash limit. Another slash to the credit score. A few weeks later they took away the standby cash completely and informed me that I am no longer eligible for their early cash feature for direct deposits because of the change in my employment. Seriously? I still have a very healthy account balance, I have never overdrawn my account, I still have cash coming in regularly. So basically, only bank with Huntington, if you are a typical W-2 employee with regular direct deposits, otherwise you will be penalized until you decide to go bank somewhere else, like I am going to do.

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Verified Reviewer
Original review: May 21, 2023

Shame on me. I waited till the last day to pay my mortgage. I put $725 in the ATM, and it didn't take a few bills. When I went to exchange these bills, the machine canceled the transaction, stole my money and didn't give me a receipt. I went into the bank and they said they couldn't help. Called and they said I'd have my money back in 24 hours. 2 days later, I call and they said it would be the third day, I will have my money back. Day 4 I call again. Again they say it usually takes 10 days to get your money back! Really? Can you imagine? A bank ripping you off, then blowing smoke up your butt. Its almost a week later and I just yesterday received a letter stating that they are looking into the issue. Seriously? Now I understand why all these credit unions are popping up all over! Because banks are attempting to screw over anyone they can.

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    Verified Reviewer
    Original review: May 5, 2023

    They approved my company for a $250K SBA loan. I had to use it before 6 months expired. Since I didn't have an immediate need for it, I wound up not using it. In my book that is called being fiscally prudent. After 10 months I did need it, but was told I had to re-apply. Since my company had grown 3x since the initial approval, I thought it was just going to be a formality. Boy was I wrong!! They wound up not approving it for a number of ridiculous reasons that somehow didn't matter the first time around. Underwriters are either incompetent or were told not to approve any more loans since the banking industry is in turmoil due to terrible management. I wouldn't get anywhere near this bank even if it was the last one standing.

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    Verified Reviewer
    Original review: March 27, 2023

    This bank should not be in business. They don't know the difference between the truth and a lie. They take no responsibility for their actions. They treat their customers as low lives. If they didn't have to be bothered by us, I'm sure they would be happier. This will be the next bank to fail.

    7 people found this review helpful
    Verified Reviewer
    Original review: March 22, 2023

    Very informative. I think the bank should get The word out by mail Like other banks So people are informed about The relatively new bank. Should try to follow in the footsteps Of Chase Bank. I would recommend Huntington to A friend.

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    Verified Reviewer
    Original review: March 3, 2023

    I deposited a check from an item I sold and now my account is locked. They told me the check was altered. Nobody seems to know why or what was supposedly altered on the check. The check writer is a business and their bank says there is plenty of money in the account and doesn't know the problem. This bank has the worst customer service and treats customers like crap. If you value your money and want a respectful bank Do not bank here.

    10 people found this review helpful
    Verified Reviewer
    Original review: Feb. 2, 2023

    Employees are rude and unprofessional! They decline payment without explanation when you have plenty of funds then when you call they tell you you have a fraud alert without notification. When I call to try and get an answer their customer service puts you on hold then never comes back (26 minutes). Call back and the next one hangs up on me. Their employees talk to seniors like they are stupid or dumb. I'm done with them. They don't like retired people, I was told we track our money to close.

    11 people found this review helpful
    Verified Reviewer
    Original review: Feb. 2, 2023

    I have been with this bank for a couple years now, knowing they prevent fraudulent and scam activities towards my account. Despite these services, my account was recently subjected to a scam, resulting in my bank account being closed and my inability to access my funds. I was then told I should find another bank to bank at, "If I let this happen once who's to say it won't again, after all, it's our name on the line." Still have not received my funds from my paycheck. Consumers beware.

    9 people found this review helpful
    Verified Reviewer
    Original review: Jan. 20, 2023

    The staff in the branches were usually good, efficient and pleasant. My issue is with the "Standby Cash" product and how it is reported. After having a checking account at Huntington for a year, I received a notice that a complimentary credit line - Standby Cash - had been opened based on my positive account history. Ok, cool, don't need it, but nice to have for emergencies. A few months later I got a transfer to my checking form this credit line to bridge the gap until payday, a week away. I was notified that my usage of the account would be reported to the credit bureaus, expectedly, and I could contact them with any questions.

    A week later, I get paid, and pay the credit line off in full. I would do this a few times over the next year, just as a convenience. Then my limit was lowered. And again, and again, 4 times total. I contacted to ask why, as I never carried a balance or went over the limit. I was told that increased usage automatically limits the account further. So...why give it to me if I'm not supposed to use it? Anyway, this continues until I get an alert from my credit monitoring that an account has been flagged as locked and see that the constant limit reductions have damaged my credit rating. Locked due to excessive overdrafts on checking. Except that I haven't had ODFs going back 6 months.

    I call again and am told the overdrafts may not appear on my history or statements, and no fees were deducted. Nobody could tell me specifically when my account was overdrawn or by how much. I tell them the locked status has been attributed as a cause for a lowered credit score, and the response is they report all info, positive and negative. I never had a negative mark on this account, so why did they report it as such? No one knows. I have been dealing with the credit bureau for a month trying to fix this, all for a complimentary account I never asked for, and paid off every 2 weeks. If bad policies are Huntington's thing, at least own that. Getting the runaround at every turn and no concrete answers have me closing all accounts and warning others to stay away.

    10 people found this review helpful
    Verified Reviewer
    Original review: Jan. 15, 2023

    We have spent more than a year, endless paperwork, 2 appraisals they ordered, we are at less than 50% loan to value, all payments have been made by using their auto pay option, and they will not remove the PMI. They just ignore our calls. They are crooks! AVOID THIS BANK AT ALL COST

    10 people found this review helpful
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    Huntington Bank Company Information

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    Huntington Bank