Summary: Huntington National Bank is a regional bank that operates primarily in 14 US states. The bank was founded in 1866 and is headquartered in Columbus, OH. Today, Huntington has 1,000 branches and more than 1,600 ATMs. Huntington stands out for its leadership in climate action.
Huntington Perks checking offers a little more than a typical checking account. According to Huntington’s website, the Perks Checking account earns interest, although the rates are not disclosed online.
This account has no minimum opening deposit and the $10 monthly fee is waived if you deposit at least $1,000 per month or keep at least $5,000 in your Huntington accounts. The $15 overdraft fee is waived if you withdraw more than $50 or less. A few other features to note:
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Easy monitoring of your monthly VantageScore.
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Five free non-Huntington ATM withdrawals per month.
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Get your direct deposits up to two days in advance.
Huntington offers a basic trial account called Star Free Trial. This option earns no interest, but has no monthly or balance requirements. Like Checking Benefits, you won’t have overdraft fees if you withdraw more than $50 or less, and you can access your direct deposits up to two days early.
If you want all the features that come with Huntington Perks Checking, plus more, consider a Platinum Perks Checking account. This account earns 0.03% APY and offers unlimited, free ATM withdrawals, and discounts on other Huntington loans.
Huntington Platinum Perks Checking has a monthly fee of $25, but it is waived if you manage at least $25,000 in combined deposits with Huntington.
With a minimum deposit of $50, you can open a Huntington Premier Savings account. Interest rates vary by zip code, but the current advertised rate is less than 0.01%.
As an account holder, you can earn $4 monthly in cash if you have a Huntington checking account or maintain an average daily balance of $300. You can also set up alerts for unusual transactions or to remind you of upcoming payments.
With Huntington’s Relationship Savings account, interest rates range from 0.01% to 3.29%, depending on the Huntington’s checking account and your account balance. To get the highest rate, you need to be a new Huntington customer and have between $5,000 and $2,000,001 in deposits.
The $10 monthly fee on this account is waived if you maintain an average daily balance of $2,500 or have a Huntington checking account.
New Huntington clients can earn up to 3.66% with a Relationship Money Market account. But your exact rate and monthly payment depends on which Huntington checking account you have, and you won’t earn interest until your balance reaches at least $25,000.
For new Huntington customers, you must live in one of the following states to open one of these accounts: Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, West Virginia, North Carolina, South Carolina, or Wisconsin.
The $25 monthly fee on the Relationship Money Market account is waived if you maintain an average daily balance of $25,000 or if you have a Profits Checking account or a Platinum Profits Checking account.
Huntington offers four credit cards, but there is enough variety among them that most customers can find something they like. Note that their rewards cards do not have an annual fee.
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Huntington Secured Credit Card: A cash back deposit of $250 to $2,500 gets you this secured credit card that can eventually be converted to a Huntington Cash Back Credit Card. Every purchase earns 1% cash back.
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Huntington Cash Back Credit Card: Earn unlimited 1.5% cashback on all purchases. The balance transfer APR is 0% for 12 months, but the purchase APR is up to 27.49% from day one.
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Huntington Voice Credit Card: Balance transfer APR is 0% for 12 months on this card, and the balance transfer fee is 3%. Purchase APR can be as high as 25.49%.
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Huntington Voice Rewards Credit Card: Earn 3x rewards on up to $2,000 in quarterly spending of your choice, and earn 1x rewards on other purchases. You can also earn up to 25% bonus points when your card is linked to Huntington Platinum Perks Checking. The APR rises to 27.49%.
When it comes to borrowing, Huntington has your basic borrowing needs covered. The bank’s loan products include:
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Home loans: Home loans, refinancing, specialty loans for medical professionals, and home loans and lines of credit.
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Personal loans: Personal loans up to $50,000, deposit backed loans up to $500,000 and lines of credit up to $100,000.
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Car loans: Loans are available for car purchases, leases, refinances, and specialty vehicles.
Most Huntington bank accounts come with a monthly maintenance fee, but you can have the money withdrawn if you meet certain criteria, such as maintaining a minimum deposit. Here’s an overview of common fees customers may encounter.
| MONEY | CASH MONEY |
|---|---|
| Benefits of checking the monthly payment of the account | $15 |
| Platinum Perks checking account monthly fee | $25 |
| Monthly fee for Premier savings account | $4 |
| Monthly fees for a relationship savings account | $10 |
| Relationship capital market account fee | $25 |
| Overdraft fee | $15 for overdraft over $50 |
| Out-of-network ATM cash | $3.50 |
| Phone transfer fees | $15-$75 |
Good:
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Overdraft flexibility: You won’t be charged an additional withdrawal fee if it’s $50 or less.
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Waiver of payment: Monthly maintenance fees on your accounts can be waived for qualifying activities, such as maintaining a small account balance.
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Credit monitoring: Customers with Perks Checking and Checking Platinum Perks can sign up for free VantageScore score monitoring.
Disadvantages:
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Complex level structures: Some accounts have more complex rating categories where your rating depends on many factors, including what other Huntington accounts you have.
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Limited availability: Some products and services are available only in Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, West Virginia, North Carolina, South Carolina, or Wisconsin.
For Huntington customer service, you can call 800-480-2265 seven days a week, between 7am and 8pm ET. Chat support is also available on the website, although you won’t be able to contact a live agent this way.
Huntington has iPhone and Android apps that you can use for basic banking functions like transferring money and checking your account balances. The Apple Store app has 4.8 stars and the Google Play app has 4.5 stars, although recent reviews mention various functions of the apps not working properly.
Huntington National Bank stands out when it comes to community development and environmental impact. If you’re looking for a bank with an above-average record in these areas, consider the following:
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Winner of the 2024 RISE Possible Home Award from Freddie Mac for creating access to home ownership.
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Recognized by Bank.Green as a leader in climate responsibility.
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Employees have volunteered approximately 35,000 hours by 2024.
If you want to open an account with Huntington Bank, you can do so online, in person at a branch or by calling 800-480-BANK (2265). You can contact Huntington by mail at the following address:
Company rating Huntington Bancshares Incorporated
The Huntington Center
41 South High Street
Columbus, OH 43287
Huntington National Bank is FDIC insured.
Your Hunting Bank routing number depends on what state you live in. You can see your Huntington routing number in your online banking account, in the banking app, or in the lower left corner of your checks.
Huntington National Bank is a regional bank serving 14 states.
Huntington National Bank is expected to take over Cadence Bank in 2026.
