Huntington Bank Review [2026]: No-Fee Overdraft up to $50

Huntington Bank overview

	Huntington Bank
Best for	Keeping all of your banking needs under one roof
Bank accounts	Checking, savings, CDs, money market, small business banking
Unique banking features/perks	Full-service bank with vast regional branch and ATM network Overdrafts have a 24-hour grace period Early paycheck deposit
Number of branches	More than 1,000
Number of ATMs	More than 1,600 ATM locations
FDIC insurance	Huntington Bank is a member FDIC (Cert. #6560)
Customer ratings	Mobile app: 4.8 out of 5 on Apple App Store and 4.4 out of 5 on Google Play Trustpilot: 1.2 out of 5 BBB: 1.09 out of 5
Year founded	1866

Is Huntington Bank good for you?

Huntington Bank could be a solid option for anyone who values keeping their bank accounts close to home with easy access to branches and in-network ATMs, provided they live in one of the 14 states where Huntington maintains branch locations (Ohio, North Carolina, South Carolina, Colorado, Florida, Illinois, Indiana, Kentucky, Michigan, Minnesota, Pennsylvania, Texas, West Virginia, and Wisconsin).

The bank offers a wide variety of products and account types that should appeal to someone looking to consolidate all of their banking needs under one roof with Huntington's relationship-focused service.

When Huntington Bank might not be good for you

If you're a resident of a state outside Huntington's current branch footprint, you won't be able to open an account there since it is a regional bank, not a national one.

Beyond that, savers looking for consistently competitive rates on CDs, savings accounts, and money market accounts might find a better match with a top online bank such as Quontic Bank.

Huntington Bank banking account types and rates

5.0

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AWARD WINNER Best Online Checking

SoFi Checking & Savings - Earn Up to $400 When You Set Up Direct Deposit

Limited-Time Offer: Earn a $50 or $400 bonus with eligible direct deposit and up to 4.00% APY on Savings (3.30% APY¹ <p>New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits&nbsp;received within 25 calendar days of your first Eligible Direct Deposit of $1 or more) OR $400 (with at least $5,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct&nbsp;Deposit of $1 or more). Cash bonus amount will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in&nbsp;your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 12/31/2026. Full terms at&nbsp;<a href="https://www.sofi.com/banking/" >sofi.com/banking</a>.&nbsp;SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.</p><p>SoFi members with Eligible Direct Deposit can earn 3.30% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct&nbsp;Deposit amount required to qualify for the 3.30% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on&nbsp;checking balances. Interest rates are variable and subject to change at any time.&nbsp;These rates are current as of 12/23/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at <a href="http://www.sofi.com/legal/banking-rate-sheet">http://www.sofi.com/legal/banking-rate-sheet</a>.</p> with +0.70% APY Boost) for up to 6 Months on new accounts. Terms Apply.² <p>Earn up to 4.00% Annual Percentage Yield (APY) on one SoFi Savings account with a 0.70% APY Boost (added to the 3.30% APY as of 3/31/26) for up to 6 months. Open your first SoFi Checking and Savings account and receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 12/31/26. Rates are variable, subject to change. Terms apply at&nbsp;<a href="https://www.sofi.com/banking/#2">sofi.com/banking#2</a>. SoFi Bank, N.A. Member FDIC.</p> FDIC Insured.³ <p><b style="font-family: Rubik, -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, &quot;Helvetica Neue&quot;, Arial, sans-serif;">SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations.&nbsp;Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at&nbsp;<a href="http://sofi.com/banking/fdic/sidpterms">SoFi.com/banking/fdic/sidpterms</a>. See list of participating banks at <a href="http://sofi.com/banking/fdic/participatingbanks">SoFi.com/banking/fdic/participatingbanks</a>.</b></p>

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4.3

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Enjoy $400 as a new Chase checking customer

When you open a new Chase Total Checking® account with qualifying activities.⁴ <p>Offer not available to existing Chase checking customers, or those whose accounts have been closed within 90 days or closed with a negative balance within the last 3 years. You can receive only one new checking account opening related bonus every two years from the last coupon enrollment date and only one bonus per account. Coupon is good for one-time use. To receive the bonus: 1) Open a new Chase Total Checking account, which is subject to approval; AND 2) Have your direct deposits totaling $1,000 or more made to this account within 90 days of coupon enrollment. Your direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government. Person to Person payments (such as Zelle®) are not considered a direct deposit. Micro-deposits do not qualify as a direct deposit for the bonus. Micro-deposits are small deposits, typically less than $1, that are sent to your account to verify it is the correct account. After you have completed all the above requirements, we'll deposit the bonus in your new account within 15 days. To receive this bonus, the enrolled account must not be closed or restricted at the time of payout. Eligibility may be limited based on account ownership. Bonus is considered interest and will be reported on IRS Form 1099-INT (or Form 1042-S, if applicable). Offer availability subject to change. Other Chase checking bonus offers may exist concurrently.</p> FDIC Insured. Offer valid through 7/15/2026.

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4.8

FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment. Our partners do not influence our ratings.

Bank of America Advantage Banking

Up to $500 cash offer. Click ‘Learn More' for more details. Bank of America, N.A. Member FDIC.

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Huntington Bank checking

Huntington Bank Perks Checking Account

The bank's Perks Checking is an interest-bearing account with no minimum required to open one. It comes with a $10 monthly service fee unless you make an eligible deposit of $1,000 each month or keep at least $5,000 across your Huntington accounts.

The first five non-Huntington ATM withdrawal fees assessed by Huntington will be waived during each statement period. (Big banks such as Chase and Wells Fargo tend to limit non-network ATM fee reimbursements to their premium accounts.) Other perks include credit score monitoring at no added cost and early direct deposit.

Huntington Bank Asterisk-Free Checking Account

Asterisk-Free Checking is a basic checking account with no monthly maintenance fees, no minimum balance requirements, and can be opened online. The account does not earn interest, unlike Huntington's other three checking accounts, but savers still get access to early direct deposit and the bank's consumer-friendly overdraft protection.

This account is comparable to Fifth Third Bank's Momentum Checking account, offering many of the same features and available without monthly fees. Check out FinanceBuzz's picks for the best checking accounts.

Huntington Bank Platinum Perks Checking Account

The Platinum Perks Checking account is a premium version of the Perks checking account with upgraded features, such as unlimited fee waivers at non-Huntington ATMs and reimbursements for withdrawal fees charged by another ATM owner. Savers get a slightly higher interest rate with the Platinum account, and it also offers round-the-clock identity monitoring at no added cost.

Huntington Bank SmartInvest Checking Account

SmartInvest Checking comes with several requirements. You'll need to maintain at least $100,000 in Total Relationship balances and have an active Managed Investment account. The perks for this account are notable: There are no monthly maintenance fees, no overdraft fees, and you won't have to worry about wire or internal transfer fees. It's also the highest interest checking account with two tiers that reward savers with big balances at the bank.

Other checking accounts we recommend

Chase Bank's Total Checking is a basic account that's compatible with Zelle and offers excellent in-person access through a network of more than 5,000 branches. SoFi's Checking and Savings Account has no monthly maintenance fees or overdraft fees⁵ <p>We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Bank Fee Sheet for details at <a href="http://sofi.com/legal/banking-fees/">sofi.com/legal/banking-fees/</a>.</p> and acts as a two-in-one checking and savings account combo. SoFi® is member FDIC.³ <p><b style="font-family: Rubik, -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, &quot;Helvetica Neue&quot;, Arial, sans-serif;">SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations.&nbsp;Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at&nbsp;<a href="http://sofi.com/banking/fdic/sidpterms">SoFi.com/banking/fdic/sidpterms</a>. See list of participating banks at <a href="http://sofi.com/banking/fdic/participatingbanks">SoFi.com/banking/fdic/participatingbanks</a>.</b></p>

Huntington Bank savings

Huntington Bank Relationship Savings Account

Huntington's Relationship Savings Account offers a wide range of rate options depending on several criteria. If you bring new money that is not currently on deposit in any Huntington account, then you can likely qualify for the account's highest promotional yields, depending on which other Huntington accounts you have. However, it's important to note that you'll also need to maintain an average daily balance of at least $5,000 to qualify for this top rate. Anything less and your APY will be in line with the much lower standard rates.

On top of that, there are higher relationship rates available for account holders who also have a qualifying Huntington checking account. It sure seems like a lot, especially if you're comparing it to the best savings accounts where you could get a high yield across all balances without needing a linked checking account to maximize earnings.

There's also a $10 monthly fee, which can be waived if you maintain a $2,500 average daily balance or have an eligible personal Huntington checking account. Considering how important it is for maximizing your interest rate on this account, you'd probably already be meeting both those criteria each month. If you're not, then it might be time to switch accounts.

Huntington Bank Premier Savings Account

The bank's Premier Savings Account offers a paltry 0.01% (as of 3/31/26) APY (rates may vary by zip code). You can open an account online or at a branch with just $50 as long as you reside in one of the 14 states where Huntington Bank operates. To avoid having to pay a $4 monthly maintenance fee, you will need to maintain a $300 average daily balance or have an eligible Huntington personal checking account.

Other savings accounts we recommend

The American Express High Yield Savings Account offers a competitive APY and doesn't have a monthly fee or minimum deposit requirement⁶ <p class="">There is no minimum balance required to open your Account, to avoid being charged a fee, or to obtain the Annual Percentage Yield (APY) disclosed to you.</p> . Synchrony also stands out as an online bank with higher-than-average APYs and no monthly fees. Most savings accounts don't include an ATM card, but with Synchrony's High Yield Savings account, you can get one with access to 55,000+ surcharge-free ATMs nationwide.

Huntington Bank CD rates

You can open both regular and jumbo fixed-rate CDs with Huntington Bank. To open a regular CD, you'll need at least $1,000, while jumbo CDs require at least $100,000. Huntington does not currently allow CDs to be opened online; it requires a visit to a branch to get going.

The bank's CDs come with standard and promotional rates (may vary based on your location) across a wide variety of term lengths. Standard CDs range between one month and 72 months. Jumbo CDs range between seven days and 1,825 days. Promotional CD terms with the highest rates are limited to just a few options. All the other terms receive the standard yields, which are well below average.

Compare Huntington Bank to top alternatives

Customer experience and user sentiment

Reviews and complaints

Reviewers offer mixed feedback on Huntington Bank's services. The bank has low ratings with users on both Trustpilot and the Better Business Bureau. Common complaints include poor customer service, challenges when opening accounts, and issues with making transfers. Others mention slowness in mobile deposits and long waits in getting a human on live chat.

However, some Reddit users seem to appreciate certain features, such as early pay and overdraft protection.

Customer support

Huntington's customers have several options to access banking support. The bank is reachable via phone daily between 7:00 a.m.and 8:00 p.m. ET. Huntington also has more than 1,000 branches, which are accessible during the week, with some offering limited weekend hours. There's also a virtual assistant, live chat, and email available 24/7.

Mobile app

Huntington offers highly rated apps on both the Apple App Store (4.8 out of 5) and Google Play (4.5 out of 5). Users can get real-time updates on balances and activity, lock/unlock their debit card, and use the bank's mobile deposit service.

Huntington Bank fees

FAQs

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5.0

FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment. Our partners do not influence our ratings.

AWARD WINNER Best Online Checking

High APY of up to 4.00% on Savings (3.30% APY¹ <p>New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits&nbsp;received within 25 calendar days of your first Eligible Direct Deposit of $1 or more) OR $400 (with at least $5,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct&nbsp;Deposit of $1 or more). Cash bonus amount will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in&nbsp;your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 12/31/2026. Full terms at&nbsp;<a href="https://www.sofi.com/banking/" >sofi.com/banking</a>.&nbsp;SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.</p><p>SoFi members with Eligible Direct Deposit can earn 3.30% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct&nbsp;Deposit amount required to qualify for the 3.30% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on&nbsp;checking balances. Interest rates are variable and subject to change at any time.&nbsp;These rates are current as of 12/23/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at <a href="http://www.sofi.com/legal/banking-rate-sheet">http://www.sofi.com/legal/banking-rate-sheet</a>.</p> with +0.70% APY Boost) for up to 6 Months on new accounts. Terms Apply.² <p>Earn up to 4.00% Annual Percentage Yield (APY) on one SoFi Savings account with a 0.70% APY Boost (added to the 3.30% APY as of 3/31/26) for up to 6 months. Open your first SoFi Checking and Savings account and receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 12/31/26. Rates are variable, subject to change. Terms apply at&nbsp;<a href="https://www.sofi.com/banking/#2">sofi.com/banking#2</a>. SoFi Bank, N.A. Member FDIC.</p>

Paycheck access up to 2 days early with direct deposit⁷ <p>Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled payment date, but may vary.</p>

No monthly maintenance or overdraft fees⁵ <p>We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Bank Fee Sheet for details at <a href="http://sofi.com/legal/banking-fees/">sofi.com/legal/banking-fees/</a>.</p>

Streamlined savings and savings goals with Vaults

Access to a large ATM network⁸ <p>We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees may be incurred when using out-of-network ATMs. SoFi’s ATM policies are subject to change at our discretion at any time.</p>