Huntington Bank Review

Regional bank with good basic accounts and excellent customer service

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Huntington Bank

Founded in 1866, and still headquartered in Columbus, Ohio, Huntington is a regional bank serving 10 states located primarily in the Midwest. A full-service bank, it offers consumers a one-stop shopping for banking needs. Read our in-depth review to determine if Huntington's products and services are right for you.

  • Pros & Cons
  • Company Overview
Pros & Cons
  • Basic checking account is fee free

  • All day deposit

  • 24-hour grace period on overdrafts

  • Robust customer support

  • Only available in 10 states

  • Low APY

  • High minimum balances on interest-bearing checking accounts

  • High overdraft fees

Company Overview
  • Year Founded 1866
  • Official Website
  • Banking Products Offered Savings, checking, CDs, MMA, credit card
  • Customer Service Phone line: Monday–Sunday, 7 a.m. to 7 p.m. (ET): 800-480-2265

Pros Explained

  • Basic checking account is fee-free: The basic checking account, Asterisk-Free Checking, has no monthly fee, no minimum balance, and no minimum deposit to open the account. There is also no fee for receiving paper statements via mail if you prefer that to emailed statements.
  • All-day deposit: This feature extends the cut off for getting in a deposit on a business day to midnight. If you make an ATM or mobile bank deposit on a business day prior to midnight, then Huntington will consider that day to be the day of your deposit.
  • 24-hour grace period on overdrafts: If you overdraw your account, a 24-hour grace policy gives you until midnight on the next day to make a deposit or transfer to cover the overdraft.
  • Robust customer support: Customers can reach a customer service agent via phone daily from 7 a.m. to 7 p.m. (ET). You can also access an automated assistant any time on the website and find answers to your questions in the easy-to-navigate and thorough FAQ for customer support. The bank also encourages customers to contact customer service via Meta or Twitter.

Cons Explained

  • Only available in 11 states: Huntington currently has a presence in just 11 states: Ohio, Colorado, Florida, Illinois, Indiana, Kentucky, Michigan, Minnesota, Pennsylvania, West Virginia, and Wisconsin.
  • Low annual percentage yield (APY): Huntington's rates for interest-bearing accounts are easily beaten by other banks, especially online-only banks that do not have to invest in brick-and-mortar branches.
  • High minimum balances on interest-bearing checking accounts: Though the basic checking account doesn't charge fees or require a minimum balance, interest-bearing accounts require either a $5,000 minimum balance or a $25,000 minimum balance (across all accounts) to remain fee free.
  • High overdraft fees: Though Huntington offers methods to avoid overdraft fees, the fee itself is $36 per overdraft. This is higher than many other banks.

For accounts or products that have area-specific interest rates, customers who live outside of the 11-state region will receive the rate associated with Columbus, Ohio, where Huntington is headquartered.

Who Is Huntington Best For?

Huntington will appeal to customers looking for basic checking and savings accounts. It will be especially tempting to those who:

  • Live within Huntington's 11-state geographic footprint
  • Want multiple options to avoid overdraft fees
  • Need a truly free checking account
  • Would like to have their checking and savings under one roof

What Does Huntington Offer?

Huntington offers a robust menu of products and services including:

Savings Accounts

Huntington Premier Savings

This is the basic savings account for Huntington customers. Premier Savings is free of fees for customers who have a linked Asterisk-Free Checking or any other personal checking account, or who maintain an average daily balance of $300 or more. Otherwise, the monthly maintenance fee is $4. You can open an account with a minimum deposit of $50.

Premier Savings offers savers an APY of 0.01% and only requires a balance of $0.01 to earn. Deposit-to-deposit overdraft protection is provided if you have a linked checking account. If you overdraw, Huntington will automatically transfer money in increments of $100 to cover the overdraft from your Premier Savings account. There is no fee for this protection, but be aware of potential transfer limits.

Huntington Relationship Savings

This account gives savers an improved APY that gets even better if you have additional linked accounts. The basic rate is 0.02% and goes up based on which type of accounts you also have with Huntington:

Relationship Savings Rates
Relationship Rate APY
Non-Relationship Rate 0.01%
Relationship Savings linked with Huntington 5 Checking 0.02%
Relationship Savings linked with Huntington 25 Checking 0.02%
Relationship Savings linked with Private Client Account 0.06%
As of January 6, 2022

With the improved rate comes bigger costs, however. Relationship Savings is free for customers who maintain an average daily balance of $2,500 or link the account to either a Huntington 5 or Huntington 25 checking account. Both have a minimum daily balance requirement and a fee if that balance is not met. Otherwise, savers with a Relationship Savings account will pay a $10 monthly maintenance fee.

Like the Premier Savings account, Relationship Savings offers deposit-to-deposit overdraft protection, provided you link to a Huntington 5 Checking account.

Premier Savings and Relationship Savings Rates and Terms
Account Monthly Maintenance Fee Minimum Balance to Avoid Fee APY
Premier Savings $4 $300 0.02%
Relationship Savings $10 $2,500 Ranging from 0.02% to 0.06%
As of January 6, 2022

Checking Accounts

Asterisk-Free Checking

Huntington tries very hard to make sure this basic checking account lives up to the "Asterisk-Free" name. There is no monthly maintenance fee, no minimum deposit to open the account, and no minimum balance required. And contrary to common banking policies in the 21st Century, Huntington does not charge fees for providing paper statements rather than email statements, if that's your preference.

Additionally, the all-day deposit policy, which treats any deposit made before midnight on a business day as getting in on the same business day, is a remarkably forgiving rule that helps customers stay in the black. Pair that with the 24-hour grace policy for overdrafts, which gives customers until midnight the day after an overdraft to make a deposit or transfer to cover the overdraft, as well as the free deposit-to-deposit overdraft protection with a Premier Savings account.

If you overdraw funds, the higher-than-average overdraft fee of $36 can be levied up to four times per day.

Huntington 5 Checking

This is Huntington's lower-level interest-bearing checking account. Customers can earn 0.05% APY on their account balance. There is no minimum required to earn or no minimum deposit to open this account. If you maintain $5,000 in total relationship balances, there is no fee. Otherwise, you will pay $5 per month.

Huntington 5 Checking offers the same forgiving policies as Asterisk-Free checking: all day deposit, a 24-hour grace period, and overdraft protection. You need to link this account to a Relationship Savings account to receive the overdraft protection. In addition, account holders are also eligible for 1.05% cash back with a linked Voice Credit Card with Rewards, as well as five out-of-network ATM fee waivers per month.

Huntington 25 Checking

For customers looking for higher rates from an interest-bearing checking account, the bank offers Huntington 25 Checking. Account holders earn 0.05% APY on any size balance. However, expect to pay $25 per month in maintenance fees unless you are able to maintain $25,000 in total relationship balances among your accounts.

Like the other checking accounts, Huntington 25 provides all-day deposit, a 24-hour grace period, and overdraft protection (with a Relationship Savings account).

Huntington 25 also comes with some other major perks:

  • Free credit and identity monitoring
  • Free paper checks
  • Unlimited out-of-network ATM fee waivers
  • 1.25% cash back on purchases made with a linked Voice Credit Card with rewards
  • 0.15%–0.50% rate discount on a home equity line of credit (HELOC), plus an annual fee waiver
  • A mortgage relationship discount of up to 0.375%
  • 100 commission-free online equity or exchange-traded fund (ETF) trades per year through Huntington Financial Advisors
Huntington Checking Accounts
Account Name Monthly Maintenance Fee Minimum Balance to Avoid Fee APY
Asterisk-Free Checking $0 $0 None
Huntington 5 Checking $5 $5,000 0.05%
Huntington 25 Checking $25 $25,000 0.05%
As of January 6, 2022

Money Market Account

Huntington Relationship Money Market Account

Like the Relationship Savings account, Huntington's money market account offers better rates if you have additional accounts. Provided you have a minimum of $25,000 in your Relationship Money Market account, you can earn between 0.05% and 0.06% APY depending on what other accounts you have at Huntington. Balances below $25,000 don't earn interest.

The Relationship Money Market account also comes with a $25 monthly fee, which is waived for customers who either maintain a $25,000 minimum balance or who have a linked Huntington 5 or Huntington 25 checking account.

Like Huntington's traditional checking accounts, the Relationship Money Market account also provides all-day deposit, a 24-hour grace period, and overdraft protection.

Relationship Money Market Rates
Relationship Money Market Account 0.05%
Relationship Money Market Account with linked Huntington 5 Checking 0.05%
Relationship Money Market Account with linked Huntington 25 Checking 0.05%
Relationship Money Market Account with linked Private Client Account 0.06%
As of January 6, 2022


Huntington offers standard CDs with terms ranging from one to 72 months. CDs require a minimum deposit of $1,000 and rates range from 0.01% to 0.03% APY.

Huntington Standard CD Rates
Term APY
1 and 3 Months   0.01%
6, 9, 12 and 18 Months   0.03%
24, 36, 48, 60, and 72 Months 0.03%
As of January 6, 2022

Jumbo CDs are also available, with a minimum deposit of $100,000. The terms range from seven to 1,825 days (approximately 60 months) and the rates from 0.01% to 0.03%.

The fact that Huntington describes its jumbo CD terms in days, rather than months, makes it difficult to compare jumbo rates with standard rates. Converting the terms from days to months helps to clarify that jumbo rates seem to be approximately the same for similar term lengths.

Huntington Jumbo CD Rates
Term APY
7 Days 14 Days 30 Days (1 Month) 60 Days (2 Months) 90 Days (3 Months) 0.01%
180 Days (6 Months) 270 Days (9 Months) 365 Days (12 Months) 547 Days (18 Months) 0.03%
730 Days (24 Months) 912 Days (30 Months) 1,095 Days (36 Months) 1,460 Days (48 Months) 1,825 Days (60 Months) 0.03%
As of January 6, 2022

Credit Cards

Huntington has a single credit card, the Voice Credit Card, offered through Mastercard. Customers can choose to receive cashback rewards or a lower annual percentage rate (APR).

Other Financial Products Offered by Huntington

In addition to the above products and services, Huntington also offers the following:

  • Car loans
  • Purchase mortgages
  • Home equity loans
  • Home equity lines of credit (HELOCs)
  • IRAs
  • Self-directed trading
  • Managed investment portfolios
  • Private banking
  • Financial advisors
  • Business loans

Huntington Customer Service

Customers have a number of avenues available to reach customer support, starting with live agents available daily by phone (800-480-2265) from 7 a.m. to 7 p.m. (ET). The website also boasts automated customer support systems, as well as an easy-to-use search tool, and a comprehensive FAQ page. You can also reach out to Huntington via Twitter or Meta any time.

How To Bank with Huntington

You can open an account online or in a branch. Though Huntington is only present in 11 states, the bank appears to be friendly to customers outside of this region.

The Huntington mobile app allows customers to handle transactions (including mobile check deposit) on the go. It can be downloaded on iOS and Android devices. Third-party reviews give the app mixed ratings.


Customers looking for solid options for basic checking and savings accounts would be well served by Huntington. Its truly free checking account, forgiving policies that keep minor mistakes from blowing up, and easy methods to avoid fees with the basic savings account make it attractive to many customers' needs. Add in the fact that Huntington also offers a wide array of other products and services, and it's clear that this is a good one-stop-shop for banking customers.

For those with higher balances, Huntington is not necessarily a good choice. The rates available on all the interest-bearing accounts are not as high as can be found at other institutions, particularly online-only banks. Additionally, Huntington is only present in 11 states which limits the bank's reach, especially for customers who want basic banking options and like to be able to walk into a branch.


Investopedia is dedicated to providing consumers with unbiased, comprehensive reviews of banks. We collected over 20 data points across more than 80 banks including products available, interest rates, fees, and accessibility to ensure that our content helps users make the right decision for their savings and banking needs.

Article Sources
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  1. Huntington Bank. “Premier Savings Account.

  2. Huntington Bank. “Higher Interest Savings Account.

  3. Huntington Bank. “Huntington 5 Checking.

  4. Huntington Bank. “Huntington 25 Checking.

  5. Huntington Bank. “Relationship Money Market Account.

  6. Huntington Bank. “Certificates of Deposit.