Summary: Huntington National Bank is a regional bank that operates primarily in 14 U.S. states. The bank was established in 1866 and is headquartered in Columbus, OH. Today, Huntington has 1,000 branches and over 1,600 ATMs. Huntington stands out for its leadership in climate responsibility.
Huntington Perks Checking offers a little more than the average 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 overdraw by $50 or less. A few other features to note:
Complimentary monitoring of your monthly VantageScore credit score.
Five free non-Huntington ATM withdrawals per month.
Get your direct deposits up to two days early.
Huntington offers a basic checking account called Asterisk-Free Checking. This option doesn’t earn interest, but has no monthly fee or balance requirements. Like Perks Checking, you won’t have overdraft fees if you overdraft by $50 or less, and you can access your direct deposits up to two days early.
If you want all of the features that come with Huntington Perks Checking, plus a little more, consider the Platinum Perks Checking account. This account earns 0.03% APY and gives you unlimited, fee-free ATM withdrawals, plus discounts on certain Huntington loans.
Huntington Platinum Perks Checking has a $25 monthly fee, but it’s waived if you carry 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 an underwhelming 0.01%.
As an account-holder, you can have the $4 monthly fee waived if you have a Huntington checking account or maintain a $300 average daily balance. You can also set 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 which Huntington checking account you have and the balance in your account. To earn the highest rate, you need to be a new Huntington customer and keep between $5,000 and $2,000,001 on deposit.
The $10 monthly fee on this account is waived if you maintain a $2,500 average daily balance or you have a Huntington checking account.
Customers who are new to Huntington can earn up to 3.66% with a Relationship Money Market Account. But your exact rate and monthly fee depends on which Huntington checking account you have, and you won’t earn any 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 Perks Checking or Platinum Perks Checking account.
Huntington offers four personal credit cards, but there’s enough variety between them that most customers might find something they like. Note that their rewards cards have no annual fees.
Huntington Secured Credit Card: A refundable deposit of $250 to $2,500 gets you this secured credit card that can eventually convert to a Huntington Cash Back Credit Card. All purchases earn 1% cash back.
Huntington Cash Back Credit Card: Earn unlimited 1.5% cash back on every purchase. The balance transfer APR is 0% for 12 months, but the purchase APR is up to 27.49% from day one.
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%.
Huntington Voice Rewards Credit Card: Earn 3x rewards on up to $2,000 in a quarterly spending category of your choice, and earn 1x rewards on other purchases. You can also earn up to 25% bonus points if your card is linked to Huntington Platinum Perks Checking. APR goes up to 27.49%.
When it comes to lending, Huntington has your basic borrowing needs covered. The bank’s loan products include:
Home loans: Mortgages, refinancing, specialty loans for medical professionals, and home equity loans and lines of credit.
Personal loans: Personal loans range up to $50,000, deposit-backed loans are up to $500,000 and lines of credit go up to $100,000.
Auto loans: Loans are available for car buying, leasing, refinancing, and specialty vehicles.
Most Huntington bank accounts come with a monthly maintenance fee, but you can have the fee waived if you meet certain criteria, such as maintaining a minimum deposit. Here’s an overview of common fees customers may encounter.
Pros:
Overdraft flexibility: You won’t be charged a fee for overdrafts if they amount to $50 or less.
Fee waivers: Monthly maintenance fees on your accounts can be waived with qualifying activities, such as maintaining a minimum account balance.
Credit monitoring: Customers with Perks Checking and Platinum Perks Checking can enroll to get free VantageScore credit score monitoring.
Cons:
Complicated rate structures: Some accounts have highly complex rate tiers where your rate depends on multiple factors, including which other Huntington accounts you have.
Limited availability: Some products and services are only available 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 7 a.m. and 8 p.m. ET. Chat support is also available on the website, although you can’t get in touch with a live agent this way.
Huntington has apps for iPhone and Android 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 track record in these areas, consider the following:
Winner of the 2024 Home Possible RISE Award from Freddie Mac for creating access to homeownership.
Recognized by Bank.Green as a leader in climate responsibility.
Employees volunteered nearly 35,000 hours in 2024.
If you want to open an account with Huntington bank, you can do that online, in person at a branch or by calling 800-480-BANK (2265). You can also contact Huntington by mail at the following address:
Huntington Bancshares Incorporated
Huntington Center
41 South High Street
Columbus, OH 43287
Huntington National Bank is FDIC-insured.
Your routing number for Hunting Bank depends on which state you live in. You can see your Huntington routing number in your online bank account, the bank’s app, or in the bottom left-hand corner of your checks.
Huntington National Bank is a regional bank that provides services in 14 states.
Huntington National Bank is expected to absorb Cadence Bank in 2026.
