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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 | 3.5 |
| Checking | 4 to 4.5 |
| CD | 4 |
| Money market | 3.5 |
| Trustworthiness | 5 |
| Total | 4 |
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
no monthly service fee
None
$0
- No monthly service fee
- No opening deposit
- Open a Premier Savings account with no opening deposit or monthly fee when you have a checking account
- $50 Safety Zone: No overdraft fees if you overdraw by $50 or less
- 24-hour grace period to avoid overdraft fees
- Free overdraft protection
- Receive your paycheck up to two days early
- Online bill pay
- Email and text alerts about your account
- Easy-to-use mobile app
- No interest earned
- $3.50 out-of-network ATM fee
- No out-of-network ATM fee reimbursements
- $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
$10 monthly service fee
0.02%
$0
$400
- Earn interest on your money
- Earn a higher rate on your Huntington savings or money market account when you have a Huntington Perks Checking account
- No minimum opening deposit
- Waives/reimburses up to 5 out-of-network ATM fees per month
- Receive your paycheck up to two days early
- Monitor your credit score
- $50 Safety Zone: No overdraft fees if you overdraw by $50 or less
- 24-hour grace period to avoid overdraft fees over $50
- Free overdraft protection
- Open a Premier Savings account with no opening deposit or monthly fee when you have a checking account
- $10 monthly service fee if you don't qualify to have it waived
- $3.50 out-of-network ATM fee
- $15 overdraft fee
Huntington Bank is a good option if you live near a branch and prefer in-person banking.
- 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 $400 when you open a new Perks Checking account and set up and receive total qualifying direct deposits of $500 or more within 90 days of account opening and keep account open for 90 days (offer expires February 7, 2025)
- $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 when you open a new Perks Checking account and set up and receive total qualifying direct deposits of $500 or more within 90 days of account opening and keep account open for 90 days (offer expires February 7, 2025).
Huntington Bank Platinum Perks Checking Account Overview
$25 monthly service fee
0.03%
$0
$600
- Earn interest on your money
- Earn a higher rate on your Huntington savings or money market account when you have a Huntington Platinum Perks Checking account
- Receive your paycheck up to two days early
- No minimum opening deposit
- No out-of-network ATM fees, and unlimited reimbursements
- Monitor your credit score
- $50 Safety Zone: No overdraft fees if you overdraw by $50 or less
- 24-hour grace period to avoid overdraft fees
- Free overdraft protection
- Open a Premier Savings account with no opening deposit or monthly fee when you have a checking account
- Relationship discounts on mortgages and equity lines of credit
- $25 monthly fee if you don't qualify to have it waived
- $15 overdraft fee
Huntington Bank is a good option if you live near a branch and prefer in-person banking.
- 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
- Earn $600 when you open a new Platinum Perks Checking account and make total new money deposits of $25,000 or more within 90 days of account opening and keep account open for 90 days (offer expires February 7, 2025)
- 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 when you open a new Platinum Perks Checking account and make total new money deposits of $25,000 or more within 90 days of account opening and keep account open for 90 days (offer expires February 7, 2025).
Huntington Premier Savings Account Rates
$4 monthly service fee
0.01%
$50
- Possible to waive monthly service fee
- Low excess transaction fee of $2
- Easy-to-use mobile app
- Low APY
- $50 required opening deposit
- $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
0.50% to 4.34%
$1,000
- Wide range of CD terms
- Easy-to-use mobile app
- Low APY
- $1,000 opening deposit
- 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 CD- 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 5-month and 9-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
$25 monthly service fee
up to 4.18%
$25,000
- Higher APY when linked to a Huntington Perks or Platinum Perks Checking account
- No monthly fee when linked to a Huntington Perks or Platinum Perks checking account
- Low excess transaction fee of $2
- Comes with a debit card
- $25,000 opening deposit
- No interest earned on balances below $25,000
- APY drops after the first 90 days
- $25 monthly service fee
- $3 out-of-network ATM fees
- 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
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.
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.
Yes, the Huntington Asterisk-Free Checking® Account is a free account that doesn't charge monthly service fees.
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.
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, and CDs.
We look at the ethics, security, mobile app, miscellaneous features, 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 one and five stars.
We use a weighted average to get our star rating, which means we weigh certain features, like interest rates and fees, at a higher weight percentage than others. We understand that these areas can more heavily impact a person's overall banking experience.
Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards.
Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.
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