- Overall Bank Rating
- Pros and Cons
- Checking
- Savings
- CDs
- Money Market Account
- About Huntington Bank
- FAQs
- How Huntington Bank Compares
- Why You Should Trust Us
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Compare Huntington Bank accountsHuntington Premier Savings Account
Huntington Bank Perks Checking
The bottom line: Huntington Bank is a good option if you live near a branch and prefer in-person banking. It pays high interest rates on its money market account and select CD terms. But you'll still earn higher rates with the best online banks, without worrying about hefty minimum deposits or monthly fees like you would with Huntington.
Huntington Bank: Overall Rating
| Feature | Personal Insider rating (out of 5) |
| Savings | 3 |
| Checking | 3.75 (Average rating of all 3 checking accounts) |
| CD | 3.75 |
| Money market | 3.25 |
| Trustworthiness | 5 |
| Total | 3.75 |
Huntington Bank Pros and Cons
| Pros | Cons |
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Checking Accounts Overview
Huntington offers three main checking account options: Asterisk-Free, Perks, and Platinum Perks. It also has a SmartInvest checking account, but it's only for investment advisory customers with a certain amount in assets.
All three of the main accounts come with a 24-hour grace period, which gives you one full day to replace your funds when you overdraw from your account. They also all offer free overdraft protection so you can connect your checking account to another Huntington account that will transfer funds if you risk overdrawing.
Huntington Asterisk-Free Checking Account Overview
Huntington Asterisk-Free Checking® Account Start banking Huntington Bank, FDIC Insured Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star Feesno monthly service fee
Annual Percentage Yield (APY)None
Minimum Opening Deposit$0
Pros- Check mark icon A check mark. It indicates a confirmation of your intended interaction. No monthly service fee
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. No opening deposit
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Open a Premier Savings account with no opening deposit or monthly fee when you have a checking account
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. $50 Safety Zone: No overdraft fees if you overdraw by $50 or less
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. 24-hour grace period to avoid overdraft fees
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Free overdraft protection
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Receive your paycheck up to two days early
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Online bill pay
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Email and text alerts about your account
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Easy-to-use mobile app
- con icon Two crossed lines that form an 'X'. No interest earned
- con icon Two crossed lines that form an 'X'. $3.50 out-of-network ATM fee
- con icon Two crossed lines that form an 'X'. No out-of-network ATM fee reimbursements
- con icon Two crossed lines that form an 'X'. $15 overdraft fee
- Available to residents of Colorado, Florida, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, West Virginia, or Wisconsin
- Access to over 1,000 branches and 1,600 ATMs
- No monthly maintenance fee
- No opening deposit or minimum account balance
- Free overdraft protection that lets you connect your checking account to another Huntington account
- FDIC insured
The Huntington Asterisk-Free Checking® Account doesn't require an opening deposit or minimum account balance, and there is no monthly service fee. However, Huntington will charge a $3.50 fee when you use an out-of-network ATM.
Huntington Bank Perks Checking Account Overview
Huntington Bank Perks Checking Start banking Huntington Bank, Member FDIC Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star Icon of check mark inside a promo stamp It indicates a confirmed selection. PerksFees$10 monthly service fee
Annual Percentage Yield (APY)0.02%
Minimum Opening Deposit$0
Bonus Info icon Earn a $400 cash bonus for eligible new customers who open a new, qualifying Huntington Bank Perks Checking account by October 7, 2024 with qualifying activities$400
Pros- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earn interest on your money
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earn a higher rate on your Huntington savings or money market account when you have a Huntington Perks Checking account
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. No minimum opening deposit
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Waives/reimburses up to 5 out-of-network ATM fees per month
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Receive your paycheck up to two days early
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Monitor your credit score
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. $50 Safety Zone: No overdraft fees if you overdraw by $50 or less
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. 24-hour grace period to avoid overdraft fees over $50
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Free overdraft protection
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Open a Premier Savings account with no opening deposit or monthly fee when you have a checking account
- con icon Two crossed lines that form an 'X'. $10 monthly service fee if you don't qualify to have it waived
- con icon Two crossed lines that form an 'X'. $3.50 out-of-network ATM fee
- con icon Two crossed lines that form an 'X'. $15 overdraft fee
Huntington Bank is a good option if you live near a branch and prefer in-person banking.
Huntington Bank Perks Checking Product Details- Available to residents of Colorado, Florida, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, West Virginia, or Wisconsin
- Access to over 1,000 branches and 1,600 ATMs
- $400 bonus when you open a new Huntington Perks Checking Account by October 7, 2024, have a qualifying direct deposit made to the account within 90 days of account opening and keep your account open for 90 days
- $10 monthly maintenance fee waived when you make $1,000 in total monthly deposits OR have $5,000 total in all your Huntington accounts
- Free overdraft protection that lets you connect your checking account to another Huntington account
- Interest compounded and paid monthly
- FDIC insured
Huntington Bank Perks Checking also has a $0 minimum opening deposit. It does charge a $10 monthly service fee, but you can waive it if you have at least $5,000 total in all your Huntington Bank accounts, or make $1,000 in total direct deposits to your checking account each month. This account also monitors your credit score.
There is a $400 cash bonus for eligible new customers who open a new, qualifying Huntington Bank Perks Checking account by October 7, 2024 with qualifying activities.
Huntington Bank Platinum Perks Checking Account Overview
Huntington Bank Platinum Perks Checking Start banking Huntington Bank, FDIC Insured Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star Icon of check mark inside a promo stamp It indicates a confirmed selection. PerksFees$25 monthly service fee
Annual Percentage Yield (APY)0.03%
Minimum Opening Deposit$0
Bonus Info icon Earn a $600 cash bonus for eligible new customers who open a new, qualifying Huntington Platinum Perks Checking account by October 7, 2024 with qualifying activities$600
Pros- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earn interest on your money
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earn a higher rate on your Huntington savings or money market account when you have a Huntington Platinum Perks Checking account
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Receive your paycheck up to two days early
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. No minimum opening deposit
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. No out-of-network ATM fees, and unlimited reimbursements
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Monitor your credit score
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. $50 Safety Zone: No overdraft fees if you overdraw by $50 or less
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. 24-hour grace period to avoid overdraft fees
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Free overdraft protection
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Open a Premier Savings account with no opening deposit or monthly fee when you have a checking account
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Relationship discounts on mortgages and equity lines of credit
- con icon Two crossed lines that form an 'X'. $25 monthly fee if you don't qualify to have it waived
- con icon Two crossed lines that form an 'X'. $15 overdraft fee
Huntington Bank is a good option if you live near a branch and prefer in-person banking.
Huntington Bank Platinum Perks Checking Product Details- Available to residents of Colorado, Florida, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, West Virginia, or Wisconsin
- Access to over 1,000 branches and 1,600 ATMs
- $25 monthly maintenance fee, or $0 when you have $25,000 total in all your Huntington accounts
- $600 cash bonus for eligible new customers who open a new, qualifying Huntington Platinum Perks Checking account by October 7, 2024 with qualifying activities
- Free overdraft protection that lets you connect your checking account to another Huntington account
- Interest compounded and deposited monthly
- FDIC insured
The Huntington Bank Platinum Perks Checking doesn't require an opening deposit or minimum account balance, but it does charge a $25 monthly service fee. You can avoid this fee if you have at least $25,000 total in all your Huntington bank accounts.
You can earn unlimited reimbursements on out-of-network ATM fees, and like Huntington Bank Perks Checking, this account monitors your credit score for you. There's also a $600 cash bonus for eligible new customers who open a new, qualifying Huntington Platinum Perks Checking account by October 7, 2024 with qualifying activities.
Huntington Premier Savings Account Rates
Huntington Premier Savings Account Start saving Huntington Bank, FDIC Insured Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star Fees$4 monthly service fee
Annual Percentage Yield (APY)0.01%
Minimum Opening Deposit$50
Pros- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Possible to waive monthly service fee
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Low excess transaction fee of $2
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Easy-to-use mobile app
- con icon Two crossed lines that form an 'X'. Low APY
- con icon Two crossed lines that form an 'X'. $50 required opening deposit
- con icon Two crossed lines that form an 'X'. $4 monthly maintenance fee
- Available to residents of Colorado, Florida, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, West Virginia, or Wisconsin
- Access to over 1,000 branches and 1,600 ATMs
- Waive $4 monthly maintenance fee when you have a $300 balance or you own a Huntington checking account
- $2 fee if you exceed the federal limit of 6 transactions per month
- Your money earns interest, compounded quarterly
- FDIC insured
You'll earn a low interest rate with a Huntington Premier Savings Account. It's comparable to what other big brick-and-mortar banks pay, but the best high-yield savings accounts are usually with online banks.
You can also open a Huntington Relationship Savings Account and link it to an eligible Huntington checking account to earn a slightly higher rate. This rate is still relatively low, though.
Huntington CD Rates
Huntington Bank Fixed Rate CDs Start saving Huntington Bank, FDIC Insured Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star Annual Percentage Yield (APY)0.50% to 5.13%
Minimum Opening Deposit$1,000
Pros- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Wide range of CD terms
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Easy-to-use mobile app
- con icon Two crossed lines that form an 'X'. Low APY
- con icon Two crossed lines that form an 'X'. $1,000 opening deposit
- con icon Two crossed lines that form an 'X'. High early withdrawal penalties
Huntington Bank offers high promotional CD rates on select terms. But the standard rates are very low, and you can secure a better APY at one of the best online banks.
Huntington Bank Fixed Rate CDs Product Details- CD terms ranging from 1 to 72 months
- Early withdrawal penalties ranging from 1% to 3% of your principal
- Open an account with $1,000
- Available to residents of Colorado, Florida, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, West Virginia, or Wisconsin
Huntington Bank CD rates on standard terms are pretty low. However, it pays high rates on promotional 7-month and 11-month. If you have at least $100,000 to open a jumbo CD, you'll earn high rates on promotional terms of 215 and 335 days.
Huntington Relationship Money Market Account Rates
Huntington Bank Relationship Money Market Account Read Review Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star Fees$25 monthly service fee
Annual Percentage Yield (APY)up to 4.70%
Minimum Opening Deposit$25,000
Pros- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Higher APY when linked to a Huntington Perks or Platinum Perks Checking account
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. No monthly fee when linked to a Huntington Perks or Platinum Perks checking account
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Low excess transaction fee of $2
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Comes with a debit card
- con icon Two crossed lines that form an 'X'. $25,000 opening deposit
- con icon Two crossed lines that form an 'X'. No interest earned on balances below $25,000
- con icon Two crossed lines that form an 'X'. APY drops after the first 90 days
- con icon Two crossed lines that form an 'X'. $25 monthly service fee
- con icon Two crossed lines that form an 'X'. $3 out-of-network ATM fees
- con icon Two crossed lines that form an 'X'. No out-of-network ATM fee reimbursements
- Available to residents of Colorado, Florida, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, West Virginia, or Wisconsin
- Access to over 1,000 branches and 1,600 ATMs
- Earn a higher rate when linked to a Huntington Perks Checking or Platinum Perks Checking Account
- $25 monthly maintenance fee, or $0 when you have $25,000 or link to a Huntington Perks or Platinum Perks Checking Account
- No interest earned on account balances under $25,000
- Access your money with a debit card
- Interest compounded and deposited monthly
- FDIC insured
Like the Huntington Relationship Savings Account, the Huntington Bank Relationship Money Market Account comes with certain benefits if you also have an eligible checking account.
You'll earn a higher rate on your money market account if you also have a checking account, and you won't have to pay a monthly fee. However, you will have to pay a $25 monthly service fee if you either don't have a checking account, or if your balance is under $25,000.
About Huntington Bank
Huntington Bank is a national bank with over 1,000 branches and 1,600 ATMs across 11 U.S. states. You can open an account online, but you still must be a resident of one of the following states:
- Colorado
- Florida
- Illinois
- Indiana
- Kentucky
- Michigan
- Minnesota
- Ohio
- Pennsylvania
- West Virginia
- Wisconsin
Your money is insured by the FDIC for up to $250,000, or $500,000 if you have a joint account.
You can call Huntington customer support daily, from 7 a.m. to 8 p.m. ET.
The Huntington Bank mobile app is rated 4.4 out of 5 stars in the Google Play store and 4.8 out of 5 stars in the Apple store.
Is Huntington Bank Trustworthy?
The Better Business Bureau gives Huntington Bank an A+ rating. A strong BBB score indicates a company responds effectively to customer complaints, advertises honestly, and is transparent about business practices.
Huntington does not have any recent public controversies.
Huntington Bank FAQs
Is Huntington a good bank to bank with? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.Huntington Bank might be a good option if your priority is opening a checking account at a brick-and-mortar bank. It has a variety of checking accounts, and you might qualify for a high interest rate on a CD or money market account.
How much does it cost to open a bank account with Huntington Bank? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.Huntington Bank checking accounts have a $0 minimum opening deposit. The minimum opening deposit for traditional savings accounts ranges from $50 to $2,500. CDs require at least $1,000 upfront, and money market accounts need an initial deposit of $25,000.
Does Huntington Bank have a free checking account? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.Yes, the Huntington Asterisk-Free Checking® Account is a free account that doesn't charge monthly service fees.
What are the disadvantages of Huntington Bank? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.The main disadvantages of Huntington Bank is that it pays a low savings rate and charges monthly fees on most accounts (unless you qualify to waive them).
How Huntington Bank Compares
Huntington Bank vs. Chase Bank
Chase Bank has locations in 48 U.S. states, so if you want a nationwide branch and ATM network, it's the better choice.
There are several Chase checking accounts, and the choice between Chase and Huntington may come down to what you want out of your everyday spending account. For example, Huntington has an account with no monthly service fee, while Chase charges a fee on all accounts unless you qualify to waive them. But Chase Sapphire℠ Banking waives foreign transaction fees, which is great if you're a frequent traveler.
Both banks pay low rates on CDs with the exception of a few select terms. If you want a CD, it could depend on which term length you're looking to open. Neither is the best option for earning a high rate on a savings account.
Hun ch bank is closer to where you live. U.S. Bank has more locations around the U.S., so it's a good choice if you travel around the country often.
Why You Should Trust Us: How We Reviewed Huntington Bank
We used Personal Finance Insider's bank account methodology to review Hungtington's checking, savings, and money market accounts. We used our certificate of deposit methodology to rate its CDs.
We look at the ethics, mobile app, and customer service for every type of bank account. Other factors we consider depend on the type of account we're reviewing — for example, we look at overdraft protection for checking accounts and early withdrawal penalties for CDs. We give each account a rating between zero and five.
Sophia Acevedo Banking Editor Sophia Acevedo is a banking editor at Business Insider. She has spent three years as a personal finance journalist and is an expert across numerous banking topics.ExperienceSophia leads Personal Finance Insider's banking coverage, including reviews, guides, reference articles, and news. She edits and updates articles about banks, checking and savings accounts, CD rates, and budgeting and saving. She is highly knowledgeable about long-term trends in rates and offers at banks across the U.S.Before joining Business Insider, Sophia worked as a journalist at her college newspaper and was a freelance writer. She has spent seven years writing and editing as a journalist.Sophia was nominated for an Axel Springer Award for Change in 2023 for her coverage of ABLE accounts, tax-free savings accounts for people with disabilities. She was also a winner of a 2018 California Journalism Awards Campus Contest for her photography.She loves helping people find the best solutions for their unique needs and hopes that more people will find the tools to solve their financial problems. She’s inspired by stories of everyday people adapting to their financial circumstances and overcoming their fears around money.ExpertiseSophia's expertise includes:- Bank accounts
- Savings and CD rate trends
- Budgeting
- Saving
- How banks operate
Evelyn He Compliance and Operations Associate Evelyn He is a Compliance and Operations Associate on the Personal Finance team to ensure content accuracy and editorial independence so readers get up-to-date and objective financial advice.The compliance team's mission is to provide readers with fact-checked and current stories so they can make informed financial decisions. The team also works to minimize risk for partners by ensuring language is clear, precise, and fully compliant with regulatory and partner marketing guidelines that align with the editorial team. Read more Read less 
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