Huntington Bank Review July 2024: Excellent full-service bank with a wide range of products and services.

Huntington Bank is an excellent choice for people looking for an outstanding full-service banking provider. Headquartered in Columbus, Ohio, the bank is known for its 24-Hour Grace, which allows 24 hours to add funds to your account to avoid overdraft fees, as well as its robust online banking platform.
Huntington Bancshares Incorporated was founded in Columbus in 1866. Huntington operates nearly 1,000 branches in 11 states, primarily in the Great Lakes and Midwest regions. The bank reported more than $193 million in assets on March 31, 2024. Huntington Bank has earned several regional awards, including the top spot in the J.D. Power 2024 U.S. Retail Banking Satisfaction Study in Pennsylvania in April 2024.
All rates and fees are current as of June 26, 2024, and are subject to change.
Huntington Bank
Checking accounts: | Starting at $0 per month |
Savings accounts: | Open with as little as $50 |
Money market accounts (MMAs): | Open with as little as $0 |
Certificate of deposit (CD) rates: | Earn up to 5.00% APY |

Huntington Bank rates and products
Huntington Bank has a wide range of deposit accounts. It offers four different checking accounts, two of which are free. The bank also has two savings accounts, three MMAs, and standard and jumbo fixed-rate CDs.
Checking accounts
Huntington offers four checking accounts. Two are free checking accounts, and two have waivable monthly fees if balance thresholds are met. In addition, the bank offers student checking. Huntington offers up to a $600 checking account sign-up bonus.
Huntington Bank Asterisk-Free Checking Account
The entry-level account is free to open and has no monthly maintenance fee.
Huntington Bank Perks Checking Account
The second-tier account has a $10 monthly fee unless you make $1,000 in total monthly deposits or keep $5,000 in total relationship balances. If you meet one of those two criteria, the fee is waived. You also earn interest on deposits, get five out-of-network ATM withdrawals for free each statement cycle, and get credit score monitoring.
Having a Perks Checking account can also help you get better interest rates on your Huntington Relationship Savings or Money Market Account.
Huntington Bank Platinum Perks Checking Account
To waive the monthly fee with Platinum Perks, you must have a relationship balance of $25,000 or more. Otherwise, it costs $25 a month. You will earn interest on deposits, get unlimited ATM withdrawals and free checks, and credit score and identity monitoring.
Not only does Platinum Perks allow you access to better savings and money market APY rates, but it can also earn you better rates on your mortgage or home equity line of credit (HELOC) and discounts on investments with Huntington Financial Advisors.
Huntington Bank SmartInvest Checking Account
If you have a Managed Investment relationship with Huntington Bank, you can open a SmartInvest Checking account. In addition, you must have at least $100,000 in total relationship balances to qualify.
Customers with this type of account get a wide range of perks, including two tiers of interest earnings, unlimited free ATM withdrawals and free checks, special interest rates for home loans, a safe deposit box, credit score and identity monitoring, and investment access.
Huntington Bank also offers Student Checking Accounts. Student checking is available to middle school, high school, or college students. If you are under 18, you must apply for this account in person with a co-signer or joint account holder who is over 18. The co-signer or joint account holder doesn’t have to be a legal guardian, but they will be obligated to the account.
You will then choose the Asterisk-Free, Plus, or Platinum checking from there. Students can choose a school-themed debit card featuring the University of Minnesota, Ohio State University, Walsh University, the University of Toledo, and Cleveland State University.
All checking accounts offer access to Standby Cash, which allows qualifying accounts access to a $100–$500 digital line of credit. They also give you access to 24-Hour Grace and the $50 Safety Zone, which means you won’t be charged if you overdraw your account by $50 or less.
Huntington also gives you access to early pay, with direct-deposited payroll available up to two days early, up to $500 in deposited checks on the same day, and free access to Zelle peer-to-peer (P2P) payments.
Savings accounts
Huntington Bank offers two savings accounts. The Premier Savings Account offers a minimal interest yield, while Relationship Savings offers solid promotional APY rates, but its standard rates wouldn’t be considered a high-yield savings account.
Huntington Bank Relationship Savings Account
The standard APY on this account maxes out at 0.06% APY, but current promotional rates go up to 2.02% APY and are higher if you have a higher-tier checking account than the Asterisk-Free checking.
Huntington Bank Premier Savings Account
Interest returns on this savings account are minuscule compared with the best savings accounts available right now, with current rates at 0.01% APY. The minimum deposit to open the account is $50, and you need $300 in your account to waive the monthly fee.
If you want a high-yield savings account, consider the bank’s Relationship Money Market Account instead. Otherwise, you should consider an alternative bank instead for your savings account. See our guide on high-interest savings accounts for more information.
Huntington Bank savings rates compared to current top rates*
While Huntington Bank is a great option, there are some institutions that offer higher interest rates. Compare the rates above to this list of competitors:
Money market accounts
Huntington Bank offers three different MMAs. Its Relationship Money Market Account offers APY rates that make it competitive with some of the best MMAs on the market. However, the best rates are promotional rates combined with having higher-tier Huntington checking accounts.
Huntington Bank Relationship Money Market Account
This account has no monthly fee if you have a Huntington Perks or Platinum Perks Checking account, or with an average daily balance of $25,000. You’ll want to combine it with one of those checking accounts anyway to take advantage of higher rates. You earn interest on all balances above $25,000, and you will need that amount for an opening deposit.
Huntington Bank SmartInvest Money Market Account
This account is only available to SmartInvest Checking customers. Its interest yield is solid, earning 4.85% APY. However, it’s hard to advertise this as Huntington’s best rate because you must have an investment account and a SmartInvest checking account to open it.
Huntington Bank Money Market IRA Account
For those looking for an MMA for their retirement funds, Huntington offers a Money Market IRA (individual retirement account). There are no monthly fees, and you can open an account with a minimum deposit of $1. There is no bank penalty for early withdrawals, although you may face MMA withdrawal limits and IRA tax penalties.
To learn more about how money market accounts work, check out our guide to MMAs.
Certificates of deposit
You can open either a standard or jumbo fixed-rate CD with Huntington. Jumbo CDs are for amounts of more than $100,000 and can be opened for terms as short as seven days. Standard rates for both are small, so you’ll want to take advantage of promotional rates up to 5.00% APY.
Huntington Bank Fixed Rate CDs
The standard fixed-rate CD is for balances of less than $100,000. Terms range from one to 72 months. Standard rates are 0.50% APY while promotional rates range from 4.25% APY to 5.00% APY.
Huntington Bank Jumbo Fixed Rate CDs
Jumbo fixed-rate CDs are for balances of $100,000 or more. Huntington offers a wide range of terms.
Many other competitors offer better CD rates, so shop around before opening up a CD. Huntington may charge an early withdrawal penalty if you take money out before maturity. See our primer on CDs to understand how they work.
Other services Huntington Bank offers
Huntington Bank offers a wide range of products and services, including:
- Credit cards: Huntington Bank offers five different credit card options, including a cash back card, rewards card, and secured credit card.
- Mortgage loans: Huntington offers home loans, including fixed-rate and adjustable-rate mortgage loans, Federal Housing Administration (FHA)/Veterans Affairs (VA), United States Department of Agriculture (USDA) loans, and home equity loans and lines of credit.
- Personal loans: Huntington offers both personal and automobile loans.
- Investment services: The bank provides investment solutions, wealth management, and retirement planning. Some of the investment solutions open up SmartInvest checking and MMA accounts.
- Insurance: You can get home, life, motor vehicle, and residential title insurance through Huntington.
- Private bank services: Large-balance customers can take advantage of Huntington’s private bank products and services.
- Business products and services: Huntington offers a full range of business banking products, including checking, savings, MMA, loans, credit cards, and merchant services.
- Commercial banking solutions: The bank’s commercial banking product offers treasury management, additional business financing, and investing services.
Online banking
Huntington Bank has digital banking services, including online banking and bill pay. Online banking is free and allows customers to monitor transactions, get digital statements, view account balances, transfer funds between accounts, and make payments, among other features.
You can use bill pay to set up future payments in advance. You can deposit checks via the mobile app and access up to $500 on the same day.
Zelle is available for free to all customers for P2P payments.
The Huntington Bank platform and customer support
Customers can access account information through desktop online banking or via mobile apps. The mobile app is well-rated, receiving 4.1 stars out of 5 on Google Play out of nearly 50,000 reviews and 4.8 stars out of 5 on Apple App Store out of more than 211,000 ratings.
You can contact Huntington Bank via phone toll-free daily from 7 a.m. to 8 p.m. You can also message them through the mobile app, contact them through social media, or stop in a branch location during business hours.
Is Huntington Bank secure?
You can use fingerprint or face identification to log into the mobile app. You will set up challenge questions to provide another layer of login security. You will also receive security email alerts if there have been changes to your account.
The website uses 128-bit secure sockets layer (SSL) encryption to provide a high level of security. In addition, the website uses extended validation (EV) SSL certificates, session timeouts, and secure firewalls for extra security.
Huntington Bank user reviews
Huntington Bank has mixed reviews online. It received 2 stars out of 5 on Deposit Accounts based on more than 50 reviews and 2.7 stars out of 5 on WalletHub based on more than 1,500 reviews. Many people who left complaints listed online don’t specify why they left a poor review.
I have banked with Huntington Bank for 20 years. I can only speak to my personal experience but in my time with Huntington, it has been the best bank account I’ve ever owned. I’ve always had excellent service via phone and in person at the branch. The mobile app is easy to use. I recommend Huntington to anyone who is looking for a great full-service bank.
Compare Huntington Bank alternatives
Is Huntington Bank right for you?
If you are looking for a great traditional bank with a wide range of products and services, Huntington Bank is an excellent choice. Consider an alternative if you need in-person banking and don’t live in one of the 11 states where the bank has a physical location. Also, you may find other banks with better savings rates. But if you want a bank with great relationship perks, 24-hour grace periods on overdraw fees, and more, Huntington could be the bank for you.
Frequently asked questions
What are the disadvantages of Huntington Bank?
Disadvantages include Huntington Bank only offering branch locations in 11 states and low savings and MMA interest rates compared to competitors.
Is Huntington Bank secure?
Huntington Bank allows you to set up fingerprint and face ID logins to keep your accounts safe. It also uses security features, such as challenge questions and 128-bit SSL encryption to keep your data safe. It is very secure.
Is my money safe at Huntington Bank?
Huntington Bank is a member of the Federal Deposit Insurance Corp. (FDIC), so your deposits are insured, generally up to $250,000 per account.
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