A Midwest-based provider with excellent customer service but low interest rates.Huntington National Bank has a strong brick-and-mortar network in the eight states it services, and is best for folks looking to open more than one account; otherwise, fees can quickly pile up.
What banking products does Huntington National Bank offer?
Huntington Bank is a full-service provider with personal and business products in addition to one-to-one private wealth management assistance.
All of Huntington Bank’s personal accounts come with a 24-hour grace period for overdrafts, waiving the $37.50 fee if you bring the account balance back up to at least $5 within 24 hours. It also provides standard tools for online banking — mobile deposit, online bill pay, and the ability to set up email and text alerts.
Huntington Bank serves thousands of small businesses, and was recognized in 2018 as the nation’s top SBA 7(a) loan originator by volume. Its products come with access to The Hub, an online resource with tools to help you manage revenue.
How does it compare to other banks or services?
Huntington Bank was founded in 1866 in Columbus, Ohio where it still operates today. Its brick-and-mortar locations are mostly limited to Midwestern states like Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania and West Virginia, .but it has over 1,700 branded ATM locations.
It ranks 26th on the FDA’s list of Top 50 Bank Holding Companies by Domestic Deposits, beneath Ally Financial but above Discover. While its physical presence is less expansive than big-box competitors like Wells Fargo or Bank of America, it claims to focus on building deep relationships with each client.
Why should I open an account at Huntington National Bank?
If you’re in the Midwest and are looking for a one-on-one, personalized experience, Huntington’s full-service financial products means you can keep mortgages, personal loans and even life insurance under one roof.
Other perks include:
- industry reputation. It’s been in business for over a hundred years and is well-regarded as a financially stable institution that offers an excellent experience for customers.
- Perks for opening multiple accounts. You can waive maintenance fees by having both a checking and savings account, and can gain access to higher APYs by maintaining a high-tier checking account.
What should I look out for?
Still, Huntington may not be best for individuals in search of a low-touch experience. Similar to most traditional banks, its complicated fee structure means you’ll have to vigilantly maintain certain balances to waive excess fees.
Other drawbacks include:
- Low APYs. Its savings account tiers favor high balances, and Huntington’s APYs in general aren’t competitive for the industry.
- Lack of national presence. Its ATMs and branch locations are only available in eight states, mainly across the Midwest.
Huntington National Bank reviews and complaints
Huntington Bank has been accredited by the Better Business Bureau since 1921, where it has a shining A+ rating — a reflection of how thoroughly it replies to customer complaints. There are over 2,700 complaints lodged against it on the Consumer Financial Protection Bureau, but nearly all have received responses in a timely manner. Most Huntington branch locations have been rated “satisfactory” or “outstanding.”
In February 2019 it was awarded five national Greenwich Excellence Awards, including for Overall Satisfaction and Cash Management Overall Satisfaction. Huntington is regarded throughout the industry as excellent, as it ranked in the top five on the annual American Banker survey of bank reputations.
Huntington customer service
Get assistance with your Huntington accounts via:
- Phone: Call 800-480-2265. General customer service reps are available 24/7.
- Online chat: Go to Huntington’s website and click Ask Us in the lower right hand corner. You instant message a customer service rep in real time.
- Social media: Send a general query via Facebook messenger or Twitter direct messaging.
Huntington Bank rewards clients that want to open more than one account within its personal banking umbrella, as fees can get steep when you don’t play by the rules. If you’re looking for fewer fees or a bank with a larger national presence, shop around for bank accounts to see what else is out there.