Huntington Bank Review 2024: Pros, Cons, & Price Compared

Huntington Bank Review 2024: Pros, Cons, & Price Compared

Huntington Bank offers a wide range of banking products, including checking, savings, money market, and CD accounts. While some accounts come with benefits like waived fees and increased interest rates, the bank’s APYs are relatively low compared to other banks. If you live in one of the 11 states where Huntington operates, read our full review to see if it’s a good fit for you.

>> Explore Bluevine Features Today! >>

About Huntington Bank

Huntington Bank provides personal and business banking, as well as CDs, insurance, and investment products. The bank has over 1,000 branches in the following states:

  • Colorado
  • Indiana
  • Kentucky
  • Minnesota
  • Michigan
  • Ohio
  • Pennsylvania
  • West Virginia
  • Illinois
  • Wisconsin
  • Florida

Huntington is also known for its community support, such as the Lift Local Business℠ Program, which offers loans, business planning support, and free financial courses to minority, women, and veteran-owned businesses.

>> Discover Bluevine Benefits Now! >>

Huntington Bank Pros and Cons


  • Wide variety of account options
  • Fees can be waived with the right minimum balance
  • Overdraft protection up to $50
  • Large selection of CDs
  • Potential to qualify for a free line of credit up to $1,000
  • Automatic savings tools


  • High fees for most accounts
  • Low interest rates compared to high-yield accounts
  • Available only in 11 states, mainly in the Midwest

What Does Huntington Bank Offer?

Huntington Savings Accounts

Huntington offers Premier Savings and Relationship Savings accounts, as well as a Money Market Account (MMA). Each account has different requirements to waive monthly fees and offers varying interest rates.

Premier Savings basic account with a 0.01% APY. Waives the $4 monthly fee with any Huntington checking account or an average daily balance of $300.

Relationship Savings slightly higher interest rate of 0.02% (up to 0.06% with a Private Client account). Waives the $10 monthly fee with Huntington Perks Checking℠ or Huntington Platinum Perks Checking℠ accounts or a $2,500 balance.

Relationship MMA has higher interest rates, potentially over 1%, for balances over $25,000 when paired with a Huntington checking account.

>> Join Bluevine for Business Success! >>

Huntington CDs

Huntington offers a broad selection of CDs with terms ranging from one to 72 months. APYs vary based on the amount and term length. For example, a 1- or 3-month CD for $1,000 – $9,999 offers a 0.05% APY, while a 72-month CD offers a 0.10% APY.

Huntington Checking Accounts

In addition to savings, CDs, and Money Market accounts, Huntington offers several different checking account options. The Asterisk-Free Checking account is completely free, with no cost to open and no maintenance fees, unlike most other Huntington accounts. 

The Perks Checking account has a $10 fee, which is waived if you maintain $1,000 in total monthly deposits or a $5,000 balance between your checking and qualifying Huntington savings accounts. This account offers a 0.02% APY and benefits like five free ATM withdrawals from outside banks. 

Huntington’s highest-tier checking account, the Platinum Perks Checking account, offers a 0.03% APY, unlimited out-of-network ATM withdrawals, credit monitoring, and discounts on other Huntington products. This account has a $25 fee, which can be waived if you maintain $25,000 in total balances between your checking and savings accounts.

No Overdraft Fees

Huntington recognizes that overdrafts can occur. If your account is overdrawn by $50 or less, you won’t incur a fee. You then have 24 hours to deposit funds into your account before a fine is applied.

Standby Cash

Huntington offers Standby Cash®, a distinctive feature providing a free line of credit between $100 and $1,000. The amount available is based on your deposit history rather than your credit score. You have three months to repay this loan, after which a 1% monthly interest charge will apply.

Savings Goal Getter

The Savings Goal Getter feature allows you to set up to 10 savings goals, including an emergency fund, for each of your savings and Money Market accounts. You can specify your end goals, and Huntington will help you calculate how much you can realistically save each month based on your banking history. You’ll receive alerts to track your progress and can set up automatic transfers to make saving easier.

Money Scout

Huntington’s Money Scout feature is ideal for individuals who believe they can’t afford to save. Recognizing that not everyone can set aside large sums each month, Huntington analyzes all your accounts to identify unused funds (between $5 and $50) and automatically transfers them to your savings account. You will receive an alert each time a transfer is made, ensuring you know exactly where your money is going.

Is Huntington Bank safe?

Huntington prioritizes your security just as much as any other bank. All their online business banking products are FDIC-insured, providing you with peace of mind. Additionally, they use an SSL-encrypted system to protect your information and offer a personal guarantee that your money will be sent safely and on time when you use their online bill pay service.

Bank Fees

  • Overdraft fee: $15
  • Nonsufficient funds fee: None
  • Monthly maintenance fee: $0 – $25
  • Out-of-network ATM fee: $3.50
  • Excessive transaction fee: None

Customer experience

  • Customer service: Huntington Bank offers customer service from 7 a.m. to 8 p.m. ET daily, with an automated assistant also available. Customers benefit from features such as 24-Hour Grace, which allows account holders until midnight the next day to bring their accounts positive after an overdraft.
  • Branch availability: Huntington Bank operates over 1,000 branches across 11 states: Colorado, Florida, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, Wisconsin, and West Virginia.
  • Highly-rated mobile app: Huntington’s mobile app is highly rated on both the Apple App Store and Google Play Store. The app includes features like All Day Deposit, extending the banking day until midnight for deposits made at an ATM or through the app. Additional features include online bill pay, mobile banking, account alerts, and the ability to link debit cards to digital wallets like Samsung Pay and Google Pay for smartphone purchases.

Huntington National Bank Alternatives


Bluevine Business Checking accounts offer no fees and unlimited transactions, with one of the best interest rates available at 2.00% on balances up to $250,000. Bluevine’s banking services are provided by Coastal Community Bank, insured by the FDIC and participating in the Insured Cash Sweep program via the IntraFi network.

>> Get Started With Bluevine >>


Lili offers business checking accounts ideal for digitally savvy business owners who rarely use checks. Partnering with Choice Financial Group, Lili insures deposits up to $250,000 via the FDIC. Initially designed for freelancers, Lili has expanded to include most business entity types and now supports higher deposit and transfer limits for larger businesses.

>> Get Started With Lili >>


Axos Bank is a strong choice for those who prefer digital banking, with few fees, interest-bearing accounts, and an expansive ATM network. The Axos Bank Rewards Checking account has no monthly maintenance fee, unlimited domestic ATM fee reimbursements, and a competitive APY that often surpasses many savings account rates.

>> Get Started With Axos Bank >>

Frequently asked questions

Huntington is ideal for those who prefer branch banking and live in the Midwest or South where its branches are located. Since not all Huntington accounts offer high yields, it’s wise to compare rates.

Yes, the Huntington Asterisk-Free Checking Account does not charge monthly service fees.

Huntington Bank checking accounts require a $0 minimum opening deposit. Traditional savings accounts need a minimum deposit ranging from $50 to $2,500. CDs require at least $1,000 upfront, and money market accounts need an initial deposit of $25,000.

Bottom Line

Huntington Bank serves a specific clientele, primarily those living in the South or Midwest to access local branches. Customers must be comfortable paying monthly fees between $4 and $25 or maintaining high balances across their accounts.

Despite this, Huntington offers perks like overdraft protection up to $50, multiple automatic savings options, and “free” lines of credit, making it a comprehensive option for those looking to consolidate their banking in one place.

Related Articles


Table of Content

Written by


Reviewd By



Judith Harvey is a seasoned finance editor with over two decades of experience in the financial journalism industry. Her analytical skills and keen insight into market trends quickly made her a sought-after expert in financial reporting.