Huntington Bank Reviews

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.

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.

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:

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:

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.

Loans

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.

Investments

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.

Insurance

Huntington bank provides customers with these insurance policies:

• Home insurance
• Life insurance
• Auto insurance

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 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.