Huntington Bank has over 1,100 branches in 11 states.
Huntington Bank; Alyssa Powell/Business Insider
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The bottom line: Huntington Premier Savings Account is a good option if you live near a branch and prefer in-person banking. But if you’re looking for good interest rates, you may want to consider an online bank.
Overall bank rating
FeatureInsider rating (out of 5)Savings4Checking3.75CD3.25Money market3Trustworthiness 4Total3.5
Pros and cons
ProsCons
No monthly maintenance fee for Huntington Asterisk-Free Checking® Account
Possible to waive monthly maintenance fees for other accounts
Earn interest on your checking account balance
Customer service via online live chat
Get early direct deposit with any Huntington checking account
Must be a resident of Colorado, Florida, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, West Virginia, or Wisconsin to open an accountMonthly fees for savings and money market accountMinimum Huntington Relationship Money Market Account opening deposit for money market accountLow APY on savings
Checking
Huntington offers three checking account options. All three 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 Huntington Bank Perks CheckingHuntington Bank Platinum Perks CheckingMonthly service fee$0$10 or $0$25 or $0 How to waive the monthly service feeNo requirementsMake $1,000 in total direct deposits to your checking account OR keep $5,000 in all Huntington accountsKeep $25,000 in all Huntington accountsAPYHuntington Asterisk-Free Checking® AccountHuntington Bank Perks CheckingHuntington Bank Platinum Perks CheckingOut-of-network ATM fee refundsNone$5/monthUnlimitedSavings/money market account benefitNoneSavings or money market account APY is higher if you also have checking
Savings or money market account APY is higher if you also have checking
Sign-up bonus for new customers None$200 by Oct. 7, 2022
$300 by Oct. 7, 2022
Huntington Asterisk-Free Checking® Account
The Huntington Asterisk-Free Checking® Account doesn’t require an opening deposit or minimum account balance, and it doesn’t charge a monthly fee. However, you won’t earn any interest on your money, and Huntington will charge a $3.50 fee when you use an out-of-network ATM.
Huntington Bank Platinum Perks Checking
The Huntington Bank Perks Checking also doesn’t require an opening deposit. It does charge a $10 monthly fee, but you can have it waived 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.
Huntington Bank Platinum Perks Checking
The Huntington Bank Platinum Perks Checking doesn’t require an opening deposit or minimum account balance, but it does charge a $25 monthly 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.
Savings
Huntington Premier Savings Account
You’ll earn a low APY with a Huntington Premier Savings Account. It’s comparable to what other big brick-and-mortar banks pay, but you can find higher rates at online banks.
The Huntington Premier Savings Account charges $2 for exceeding six monthly transactions, which is less than many competitors charge.
Huntington Relationship Savings Account
You can receive additional benefits if you open a Huntington Relationship Savings Account and link it to a Huntington Bank Perks Checking or Huntington Bank Platinum Perks Checking.
You’ll earn a slightly higher rate when you link to a Huntington Bank Perks Checking or Huntington Bank Platinum Perks Checking, and a little more with a private client checking account.
A Huntington Relationship Savings Account comes with a $10 monthly fee. However, the fee will be waived if you also have a Huntington Bank Perks Checking or Huntington Bank Platinum Perks Checking, or if you maintain a balance of at least $2,500.
Money market
Like the Huntington Relationship Savings Account, the Huntington Relationship Money Market Account comes with certain benefits if you also have a Huntington Bank Perks Checking or Huntington Bank Platinum Perks Checking.
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 fee if you either don’t have a checking account, or if your balance is under Huntington Relationship Money Market Account.
CDs
Open Huntington CDs with an initial deposit of at least Huntington Certificates of Deposit (CD). Terms range from 1 to 72 months, and you have the potential to earn a higher APY with longer terms. However, Huntington’s rates are relatively low compared to online competitors.
How Huntington Bank works
Huntington Bank is a regional bank with over 1,100 branches and 1,600 ATMs across 11 US states. You can open an account online, but you still must be a resident of one of the following states:
ColoradoFloridaIllinoisIndianaKentuckyMichiganMinnesotaOhioPennsylvaniaWest VirginiaWisconsin
Your money is FDIC insured for up to $250,000, or $500,000 if you have a joint account.
You can call Huntington customer support or chat live online Monday through Friday, from 7:00 a.m. and 7:00 p.m. ET.
The Huntington Bank mobile app is rated 3.3 out of 5 stars in the Google Play store and 4.8 out of 5 stars in the Apple store.
You can call Saturday, 8:00 a.m. to 7:00 p.m., or Sunday, 9:00 a.m. to 6:00 p.m. You can chat live online on weekends from 8:00 a.m. to 5:00 p.m. ET.
Huntington trustworthiness and BBB rating
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.
In 2020, Huntington agreed to pay a $10.5 million settlement when workers claimed their employer-sponsored retirement accounts would be more valuable if Huntington had managed their accounts differently. If this controversy between Huntington and its employees worries you, you may decide to bank elsewhere.
Huntington Bank review vs. Chase review
We compared Huntington to two brick-and-mortar banks that are prominent in the same part of the country: Chase and US Bank.
Huntington Bank
Chase
Minimum opening deposits
Up to Huntington Relationship Money Market Account
Minimum opening deposits
Up to $1,000
Monthly fees
Up to $25
Monthly fees
Up to $25
Huntington Bank Huntington Asterisk-Free Checking® AccountChase Chase Total Checking®
If you want to open a money market account, then you’ll want to go with Huntington over Chase; Chase doesn’t have a money market account.
Chase offers more CD term length options than Huntington. If you want a term over 72 months, then you’ll probably prefer Chase. Chase doesn’t have a no-fee checking account option like Huntington does, but you may qualify to have your monthly fee waived.
If it’s still a toss-up between these two banks, then your decision may come down to which has a branch closer to your home.
Huntington Bank vs. US Bank
Huntington Bank
US Bank
Minimum opening deposits
Up to Huntington Relationship Money Market Account
Minimum opening deposits
Up to $1,000
Monthly fees
Up to $25
Monthly fees
Up to $24.95
Huntington Bank Huntington Asterisk-Free Checking® AccountUS Bank US Bank Savings Account
US Bank could be a good option for people who want to open a money market account. It only requires $25 or $100 to open either of its accounts, while Huntington requires $25,000.
US Bank also has even more types of checking accounts than Huntington does, so you may decide you like one of those options.
Otherwise, your choice could come down to which bank is closer to where you live.
Frequently asked questions
Is Huntington a good bank?
Huntington might be a good option if your priority is opening a checking account at a brick-and-mortar bank.
Huntington Bank has one free checking account and two interest-earning checking accounts that have minimum balance requirements. All three checking accounts have multiple ways to avoid overdraft fees. For example, you may link your checking account to another Huntington account that will transfer funds if you risk overdrawing.
How much does it cost to open a bank account with Huntington Bank?
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?
Yes, the Huntington Asterisk-Free Checking® Account doesn’t charge monthly service fees.