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Huntington Bank Review 2022

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Headquartered in Columbus, Ohio, Huntington Bank was founded in 1866 and now operates more than 1,000 branches across 11 states: Ohio, Colorado, Florida, Illinois, Indiana, Kentucky, Michigan, Minnesota, Pennsylvania, West Virginia and Wisconsin. Customers from outside of these regions are also welcome to open accounts at Huntington Bank.

Huntington offers savings and checking account options, along with other financial services such as wealth management, credit cards and loans for military families.

Huntington Bank rates may vary by location, so the rates in this article apply to the bank’s headquarters location of Columbus, Ohio.

Huntington Bank savings accounts
3 out of 5

Huntington Premier Savings

  • APY: 0.01% on all balances
  • Minimum opening deposit: $50
  • Monthly fee: $4, waived by maintaining a total average daily balance of at least $300 or having an Asterisk-Free, Huntington 5 or Huntington 25 Checking account, or a Personal Client account

The Huntington Premier Savings account is the bank’s primary savings account option. It earns a low APY of 0.01% on all balances, starting with your first penny. Unlike the Relationship Savings account (which we talk about below), there is no special rate increase for connecting a checking account.

Premier Savings requires a $50 minimum deposit to open, and customers can waive the $4 monthly maintenance fee by maintaining an average daily balance of $300 or by owning a Huntington Asterisk-Free Checking account. You’ll receive free eStatements, online and mobile banking and access to Huntington’s Savings Goal Getter℠ (allows you to set up to 10 savings buckets) and Money Scout℠ (which periodically sends bonus funds from your checking to your connected Huntington savings).

Customers can find a local branch or apply for the account online.

SEE DETAILS

on Huntington National Bank’s secure website

Member FDIC

Huntington Relationship Savings

  • APY: 0.01% on all balances
  • Minimum opening deposit: $2,500
  • Monthly fee: $10, waived by maintaining a $2,500 balance or having a Huntington 5 or Huntington 25 Checking account, or Personal Client account

The Huntington Relationship Savings account offers APY based on location. Enter your ZIP code on the website, and you’ll see which rate you qualify for. Anyone in the bank’s headquarters location would earn 0.01% APY on all balances –– below the national average, according to the Federal Deposit Insurance Corporation (FDIC).

The bank offers customers a slightly higher savings rate for customers with deeper relationships with the bank. For this account specifically, customers can link a Huntington 5 or Huntington 25 Checking account and earn 0.02% APY on all balances, or a Private Client account and earn 0.05% on all balances.

To open the account, customers must deposit a minimum of $2,500 –– and maintain that balance or also have a Huntington 5, Huntington 25 Checking or Personal Client account to avoid the $10 monthly maintenance fee.

Some other features of this account:

  • Free eStatements
  • Free checking overdraft protection (when savings and checking are linked)
  • Huntington Heads Up® Alerts to stay alert about large transactions, due dates and more
  • Online and mobile banking app
  • Automatic transfer between checking and savings
  • Various savings calculators
  • Savings Goal Getter
  • Money Scout

SEE DETAILS

on Huntington National Bank’s secure website

Member FDIC

Huntington Relationship Money Market

  • APY: 0.05% on balances $25,000 and over
  • Minimum opening deposit: $25,000
  • Monthly fee: $25, waived by maintaining a total average daily balance of at least $25,000 or having a Huntington 5 or Huntington 25 Checking account, or a Personal Client account

The Huntington Bank Relationship Money Market account requires a high balance of $25,000 in order to earn interest. Customers must maintain that same balance or have either a Huntington 5 or Huntington 25 Checking account, or Personal Client account in order to waive the $25 monthly maintenance fee. For this account –– whether you’re linking to a checking account or not –– will earn 0.05% on balances $25,000 or more. Type in your ZIP code on the website to see which APY applies to you. While the bank’s Money Scout feature is not available for money market accounts at this time, you can still use the bank’s Savings Goal Getter program and add up to 10 savings goals (plus an emergency fund) to your money market account.

SEE DETAILS

on Huntington National Bank’s secure website

Member FDIC

Compare various savings account perks with MagnifyMoney’s best savings account roundup and money market accounts with our best money market account roundup.

Huntington Bank checking accounts
3.5 out of 5

Huntington Asterisk-Free Checking

  • APY: None
  • Minimum opening deposit: $0
  • Monthly fee: $0
  • ATM access: No fees at Huntington over 1,600 ATMs; $3 for non-Huntington ATMs

The Huntington Bank Asterisk-Free Checking account is a non-interest-bearing account. This account is appropriate for those who are looking for a simple checking account that has no monthly fees or minimum opening deposit.

Huntington checking account users have fee-free access to over 1,600 Huntington Bank ATMs across the United States. As a method of overdraft protection, Huntington Bank offers a $50 Safety Zone℠, which means that customers will not be charged an overdraft fee if they overdraw their account by $50 or less. If you overdraft more than $50, you’re granted the 24-Hour Grace® feature, which gives you more time to deposit in order to avoid the $36 overdraft or return fee.

Customers with a Huntington checking account may qualify for Standby Cash®, the bank’s digital-only line of credit of $100 to $1,000. Check the website for details on whether you qualify for this emergency fund perk.

When you enroll in Huntington’s online banking called The Hub, you can set up alerts with Huntington Heads Up, a digital messaging platform, to monitor spending, subscriptions and upcoming payments. The Huntington mobile app is another convenient digital banking tool for Huntington customers.

Some fees you may encounter with this account:

  • International transaction fee
  • Foreign currency fee
  • Out-of-network ATM fees
  • Extended overdraft fees
  • Stop payment fees
  • Wire transfer fees
  • Dormant account fees

Huntington 5 Checking

  • APY: Varies by location, call Huntington Bank for rates
  • Minimum opening deposit: $0
  • Monthly fee: $5, waived for each monthly statement period where your “total relationship balance” is at least $5,000
  • ATM access: No fees at Huntington over 1,600 ATMs; offers reimbursements  

The Huntington 5 Checking account is another simple checking account option –– but this one earns interest and does not require a minimum deposit to open. The $5 monthly fee is waivable if you have $5,000 in total relationship account balances.

This account also comes with the same overdraft protection as any other Huntington checking account: $50 Safety Zone, 24-Hour Grace period and Standby Cash. With this account, customers receive:

  • Early pay (receive your paycheck up to two days early)
  • Free monthly VantageScore and quarterly credit snapshots
  • Five fee-free, non-Huntington ATM withdrawals per statement
  • 1.05% cash back on purchases made with your linked Voice Credit Card

Rates vary by location, so interested parties should call Huntington Bank to speak with a banker.

SEE DETAILS

on Huntington National Bank’s secure website

Member FDIC

Huntington 25 Checking

  • APY: Varies by location, call Huntington Bank for rates
  • Minimum opening deposit: $0
  • Monthly fee: $25, waived for each monthly statement period where your “total relationship balance” is at least $25,000.
  • ATM access: No fees at Huntington over 1,600 ATMs; $3 for non-Huntington ATMs

The Huntington 25 Checking account is a step up from the Huntington 5 checking account. It earns interest, requires no opening deposit and charges a $25 monthly fee unless your total relationship balance is at least $25,000. On top of the benefits offered by the Huntington 5 Checking account, this account offers free checks, free identity monitoring and unlimited non-Huntington ATM withdrawals.

Some other discounts and rewards for owning this account:

  • 1.25% cash back on purchases made a linked Voice Credit Card
  • Up to 0.375% off portfolio loans or pricing discounts on saleable loans
  • 0.15%-0.50% rate discount on a home equity line of credit, plus an annual fee waiver
  • 100 commission-free online equity and/or exchange-traded fund (ETF) trades per year

Rates vary by location, so interested parties should call Huntington Bank to speak with a banker.

See more checking accounts and competitive rates with MagnifyMoney’s best checking account roundup.

Huntington Bank CDs
1.5 out of 5

TermAPYMinimum deposit to earn APY
1 year0.10% on balances under $100,000$1,000
3 years0.10% on balances under $100,000$1,000
5 years0.10% on balances under $100,000$1,000

Huntington Bank’s CD options range from one month to six years, but you’ll earn below the FDIC national average for every term. For short terms that range from one to three months, you’ll earn a 0.05% APY on balances up to $100,000. For terms of six months and over, you’ll earn 0.10% APY on balances up to $100,000. Early withdrawal penalties apply to all CDs.

Huntington customers have the option to open a jumbo fixed rate CD at Huntington Bank with terms that range from one week to five years. The jumbo CDs require a minimum deposit of $100,000 and offer low APY. For terms that range from one week to three months earn 0.05% APY on all balances. Terms that range from six months to five years, your APY only increases to 0.10% on all balances.

While Huntington Bank may offer interesting perks with its relationship accounts, you can find better CD rates elsewhere.

SEE DETAILS

on Huntington National Bank’s secure website

Member FDIC

Refer to MagnifyMoney’s best CD roundup for competitive CD rates and features.

Customer experience at Huntington Bank

Huntington Bank has over 1,000 full-service branches and more than 1,600 ATM locations across 11 Midwestern states. Customers who sign up for a checking account can take advantage of digital banking tools, including Zelle®, The Hub, Savings Goal Getter, Spend Setter℠, Spend Analysis, Money Scout and several other budgeting and savings tools. The Huntington mobile app allows customers to check balances, pay bills, transfer money, deposit checks and more. It’s rated at 4.8 stars in the Apple App Store and 3.2 stars in the Google Play Store.

In addition to resources on future financial planning, Huntington offers personal finance advice via its website and blog on topics such as:

  • Understanding credit, debit and loan management
  • Savings goals
  • Family budgeting and spend management
  • Personal checking for smart financial decisions

Huntington Bank customer service is available daily for customers in and outside of the U.S. from 7 a.m. to 8 p.m. ET. The bank offers various contact numbers for specific services here, and customers are encouraged to reach out with any questions on the Ask Huntington Bank Twitter.

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