Huntington Bank offers a variety of bank accounts for residents of 7 US states

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  • Huntington Bank (Member FDIC) is available to residents of IL, IN, KY, MI, OH, PA, or WV.
  • The bank offers three types of checking accounts and two types of savings accounts.
  • Huntington’s rates and fees are comparable to other brick-and-mortar banks.
  • See Insider’s picks for the best high-yield savings accounts »

Updated on March 23, 2021: We updated this review with a new section on Huntington’s Better Business Bureau rating and reputation as a company. We’re currently adding information on trustworthiness to all of Personal Finance Insider’s reviews.

Huntington Bank has over 800 branches and 1,400 ATMs across seven US states: Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania, or West Virginia to bank with Huntington.

You’ll earn higher APYs on savings and pay fewer fees with online banks than with Huntington. But if you live near a branch and want a brick-and-mortar bank with a variety of accounts to choose from, then you might like banking with Huntington.

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Should you use Huntington Bank?

You might like banking with Huntington if you:You probably won’t like banking with Huntington if you:
  • Are a resident of Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania, or West Virginia
  • Want to do all your banking with one institution
  • Want a checking account with no monthly maintenance fee
  • Qualify to have monthly maintenance fees waived for other accounts
  • Want to earn a higher rate on your checking account balance than you can find at other brick-and-mortar banks
  • Want access to customer service via online live chat
  • Are not a resident of Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania, or West Virginia
  • Don’t qualify to have monthly fees waived
  • Want to open a money market account, but don’t have $25,000 for an opening deposit
  • Are looking for competitive rates on your savings

The bottom line: Huntington Bank is a good option if you live near a branch and prefer in-person banking. But if you’re looking for good interest rates and low minimum balances, you may want to consider an online bank.

Huntington Bank checking accounts review

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 5 Checking Huntington 25 Checking
Monthly service fee$0$5, or $0 with $5,000 in all Huntington accounts$25, or $0 with $25,000 in all Huntington accounts
APYNone0.02% APY0.05% APY
Out-of-network ATM fee refundsNone5/monthUnlimited
Savings/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

You can pay bills online with all three checking accounts.

HuntingtonAsterisk-Free Checking® Account

Huntington Bank HuntingtonAsterisk-Free Checking® Account

The HuntingtonAsterisk-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 fee when you use an out-of-network ATM.

One of the account’s best features is its sign-up bonus. You can earn $150 for opening an account, and it’s easy to qualify for this bonus than for most banks’ promotions.

Huntington 5 Checking® Account

Huntington Huntington 5 Checking® AccountHuntington Huntington 25 Checking® Account

This account doesn’t come with a cash sign-up bonus, but there are some other perks. You’ll earn a slightly higher rate on your balance, and Huntington won’t charge any out-of-network ATM fees. It also offers unlimited reimbursements for fees charged by out-of-network ATM providers.

You can earn up to 1.25% cash back when you link a Huntington Voice Credit Card® with Rewards to your account, and like the Huntington 5 Checking® Account, this account monitors your credit score for you.

Huntington Bank savings accounts review

Huntington Premier Savings Account

Huntington Bank Huntington Premier Savings AccountHuntington Huntington Relationship Savings Account

A Huntington Relationship Savings Account comes with a $10 monthly fee. However, the fee will be waived if you also have a Huntington 5 Checking or Huntington 25 Checking® Account, or if you maintain a balance of at least $2,500.

Huntington money market account review

Huntington Relationship Money Market Account

Huntington Huntington Relationship Money Market Account

The Huntington Relationship Money Market Account rate drops after the initial 90 days, and its rates are low compared to many competing banks. You need an opening deposit of at least $25,000, and you won’t earn any interest if your balance drops below that.

Huntington CDs review

Huntington Certificates of Deposit (CD)

Huntington Huntington Certificates of Deposit (CD)

If you withdraw from your CD before it matures, Huntington will charge an early withdrawal fee. You’ll pay 1% of your principal for terms of 12 months or less, 2% of your principal for terms of 13 to 24 months, and 3% of your principal for terms of 25 months or more.

Huntington Bank features

Huntington Bank is a regional bank with over 800 branches and 1,400 ATMs across seven US states. You can open an account online, but you still must be a resident of one of the following states:

  • Illinois
  • Indiana
  • Kentucky
  • Michigan
  • Ohio
  • Pennsylvania
  • West Virginia

Huntington offers a variety of checking, savings, and money market accounts, as well as CDs. 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.

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.

Is Huntington trustworthy?

The Better Business Bureau gives Huntington Bank an A+ in trustworthiness. 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 scandal between Huntington and its employees worries you, you may decide to bank elsewhere.

How Huntington Bank compares

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
US Bank

Minimum opening deposits

Up to $25,000

Minimum opening deposits

Up to $1,000

Minimum opening deposits

Up to $1,000

Monthly fees

Up to $25

Monthly fees

Up to $25

Monthly fees

Up to $24.95

Open an accountOpen an accountOpen an account

Huntington Bank review vs. Chase review

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

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.

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