Huntington National Bank: Savings, Checking and CDs

Our verdict

Huntington Bank has been around for over 100 years and offers a full suite of banking products, from personal checking accounts to business and commercial solutions. It’s best suited for customers who live in one of the 11 states it services. But if you’re after competitive interest rates to help your money grow, you’ll need to look elsewhere.

Best for: Those who prefer in-person banking as it’s only available to those who live in one of the 11 states where Huntington National Bank operates.

Is Huntington National Bank right for you?

Huntington National Bank is a good option if you rely on in-person banking and live in one of the 11 states it services:

If you’re a resident in one of these states, you’ll like that some of its checking accounts come with handy features, including ATM reimbursements and credit score and identity monitoring.

But its interest rates are abysmal, and nearly all of its accounts come with a monthly fee, although it may be waivable for qualified customers.

How Huntington National Bank stacks up

Huntington National Bank has over a century’s worth of experience in banking and wealth management. While its geographic footprint is limited to 1,000 branches across 11 states, it offers several competitive accounts worth consideration.

Where it shines

Huntington offers a wide range of banking products with varying account requirements. For example, Huntington’s top checking account offers distinctive features like unlimited ATM withdrawals — even at out-of-network ATMs, free checks, credit score and identity monitoring and a free small safe deposit box.

Its offerings continue to drop off as you move through its mid and base tiers, allowing you to zero in on an account that works for you.

And its standard features, such as a free three-month line of credit, are enough to set it apart from the competition.

Where it falls short

One of the biggest downfalls for Huntington is its interest rates. The Premier Savings account earns a measly 0.01% APY, and its relationship interest rate if you have a qualifying Huntington checking account is only marginally higher at 0.02% APY.

While its Relationship Money Market Account boasts rates starting at 3.97% APY, it only applies to balances over $25,000.

Huntington National Bank personal banking products

Huntington offers an assortment of checking and savings accounts with varying monthly fees and interest rates.

Huntington National Bank checking accounts

Account name	Best for	Opening deposit	Monthly fee	APY	Features
Huntington Platinum Perks Checking	Unlimited ATM withdrawals	$0	$25 or $0 with $25,000 in total qualifying Huntington balances	0.03% APY	Unlimited ATM withdrawals at both Huntington and out-of-network ATMs Credit score and identity monitoring Free checks
Huntington Perks Checking	Customers with $1,000 in monthly deposits	$0	$10 or $0 with $1,000 in deposits or $5,000 total qualifying Huntington balances	0.02% APY	5 free out-of-network ATM withdrawals Credit score monitoring
Huntington Asterisk-Free Checking	No fees	$0	$0	N/A	No standout features
Huntington SmartInvest Checking	Huntington Investment Advisory account holders	$0	$0	0.06% APY if you have at least $100,000 in total Huntington relationship balances (Tier 1) 0.07% APY if you have at least $1 million in total Huntington relationship balances (Tier 2)	Requires at least $100,000 in total qualifying Huntington balances and an Investment Advisory account Unlimited ATM withdrawals at both Huntington and out-of-network ATMs Free checks Credit score and identity monitoring Free small safe deposit box or a discounted large box
Student Checking Account	Middle school, high school or college students	$0	$0	N/A	Minors require a cosigner to open an account Custom debit cards feature colleges like Ohio State and the University of Toledo

In addition to no opening deposit, these extra account features come standard on all Huntington checking accounts:

• Line of credit. Get up to $500 in a line of credit with 0% interest when you pay it back over three months using automatic payments.
• Overdraft safety zone. No overdraft fees if you overdraw your account by $50 or less. Also, Huntington Bank gives you 24 hours to add money to your account to cover transactions that put your account below $50 before charging a $15 overdraft fee.
• Early pay. Access your direct deposit up to two days earlier.
• Instant check deposit availability. Check deposits of up to $500 are available immediately.

Huntington Platinum Perks Checking

The Huntington Platinum Perks Checking carries the most benefits of all the Huntington checking products. It’s best for those who don’t want the headache of finding an in-network bank to avoid Huntington’s $3.50 out-of-network ATM fee and third-party ATM operator charges.

Where it shines

• Unlimited ATM withdrawals at any ATM
• Credit score and identity monitoring

Where it falls short

• High $25,000 balance requirement to waive the monthly fee
• Measly 0.03% APY, which is much lower than the national average of 0.07% APY

Huntington Perks Checking

Huntington Perk Checking is its mid-tiered checking account that balances a lower monthly fee with fewer free out-of-network ATM withdrawals.

Where it shines

• Up to five free out-of-network ATM withdrawals

Where it falls short

• Monthly fee is only waivable with $1,000 in monthly deposits or a $5,000 balance
• Its 0.02% APY is lower than the national average of 0.07% APY
• No complimentary identity monitoring

Huntington Asterisk-Free Checking

Huntington Asterisk-Free Checking account is a bare-bones banking product with no additional perks that make it stand out from the rest of Huntington’s checking line. But you’ll still get all of its standard checking account features, including a free line of credit and overdraft features.

Where it shines

• No monthly fee

Where it falls short

• Out-of-network withdrawals cost $3.50 per transaction on top of third-party fees
• No complimentary credit score or identity monitoring

Huntington SmartInvest Checking

To qualify for the Huntington SmartInvest Checking account, you’ll need at least $100,000 in total balances across your Huntington accounts and a Huntington Investment Advisory Account. Accounts generally earn 0.06% APY, which is lower than the national average.

Where it shines

• Unlimited ATM withdrawals
• Free checks
• Complimentary credit score and identity monitoring
• Free small safe deposit box

Where it falls short

• Requires at least $100,000 in Huntington balances and a Huntington Investment Advisory Account
• While there’s no monthly fee, the required Huntington Investment Advisory account has a minimum investment amount as well as an annual or manager fee
• Interest rate is not as competitive as other high-yield checking accounts

Student Checking account

The Huntington Student Checking account is a noninterest-bearing checking account with no monthly fee or opening deposit requirements. Students choose from custom debit cards featuring schools like The University of Minnesota or The Ohio State University and get early access to direct deposits and two lines of overdraft protection. But kids under 18 must apply in person with a cosigner or joint account holder.

Where it shines

• No monthly fee
• No opening deposit
• Custom school-spirit debit cards

Where it falls short

• Minors must apply in person
• No out-of-network ATM reimbursements

Huntington National Bank savings accounts

Choose from four savings accounts that come with these features:

• Savings goal tracker. Create up to 10 financial goals and an emergency fund, and track your progress along the way.
• Intelligent transfers to your savings. Huntington’s Money Scout tool analyzes your spending, income and expenses and automatically transfers money you’re not using to your savings account.

Account name	Best for	Opening deposit	Monthly fee	APY
Huntington Premier Savings	Customers with balances of $300+	$50	$4 or $0 if you have a Huntington personal checking account or have a minimum daily balance of $300	0.01% APY
Huntington Relationship Savings account	Customers with balances of $2,500+	$2,500	$10 or $0 if you have a Huntington Perks Checking account or a Platinum Perks Checking account, or a minimum daily balance of $2,500	0.01% APY 0.02% APY for Huntington Perks Checking or Platinum Perks Checking account holders
Huntington Relationship Money Market	Customers with high balances of $25,000+	$25,000	$25 or $0 if you have a Huntington Perks Checking account or a Platinum Perks Checking account, or a minimum daily balance of $25,000	Earn interest on balances $25,000+ 3.97% APY 4.02% APY for Huntington Perks Checking account holders 4.07% APY for Huntington Platinum Perks Checking account holders Balances $2,000,001+ earn 0.25% APY
Huntington SmartInvest Money Market Account	Huntington SmartInvest Checking account holders	$0	$0	3.56% APY on balances up to $10 million for SmartInvest Checking Tier 1 account holders 4.23% APY on balances up to $10 million for SmartInvest Checking Tier 2 account holders 0.25% APY on balances $10 million and over

Huntington Premier Savings

The Huntington Premier Savings account has a low opening deposit of $50 and a waivable monthly fee. But its interest rate of 0.01% APY is 46 times lower than the national average of 0.46% APY.

Where it shines

• Low opening deposit
• ATM card

Where it falls short

• Low 0.01% APY
• $4 monthly fee unless you have a Huntington personal checking account or keep at least $300 in your account

Huntington Relationship Savings account

The Huntington Relationship Savings account is a level-up over the Premier Savings account designed for Huntington Perks Checking or Platinum Perks Checking account holders. Instead of the base 0.01% APY, you stand to earn 0.02% APY, which is significantly lower than the national average of 0.46% APY. And its $10 monthly fee can quickly eat into your earnings unless you qualify to waive its fee.

Where it shines

• ATM card
• No overdraft fee if you overdraw your account by up to $50
• 24-hour grace period to fund your account to avoid overdraft fees

Where it falls short

• Low 0.01% APY
• $10 monthly fee unless you have a qualifying Huntington Checking account or keep at least $2,500 in your account
• High opening deposit of $2,500

Huntington Relationship Money Market

If you meet its steep $25,000 opening deposit, the Huntington Relationship Money Market account offers competitive interest rates with an extra boost for Huntington Perks Checking or Platinum Perks Checking account holders. With its base interest rate of 3.97% APY, you’ll earn 6.30x higher than the national average of 0.63% APY while maintaining access to your cash through ATMs and checks.

Where it shines

• Competitive interest rates between 3.97% to 4.18% APY, depending on whether you have an eligible Huntington checking account
• No overdraft fee if you overdraw your account by up to $50
• 24-hour grace period to fund your account to avoid overdraft fees

Where it falls short

• Interest rate applies to balances over $25,000
• Interest rate drops to 0.25% APY on balances over $2 million
• High opening deposit of $25,000
• Monthly fee unless you have a qualifying Huntington Checking account or keep at least $25,000 in your account

Huntington SmartInvest Money Market Account

The Huntington SmartInvest Money Market Account earns 3.56% or 4.23% APY on balances up to $10 million, depending on your Huntington SmartInvest Checking account tier. Tier 1 customers have at least $100,000 in total Huntington relationship balances and earn the lower rate, and Tier 2 members have at least $1 million and enjoy the higher APY.

But to qualify for this money market account, you must have a Huntington SmartInvest Checking account, which requires a Huntington Investment Advisory Account and at least $100,000 in total qualifying Huntington balances. That means you’ll need to park at least $100,000 within Huntington Bank’s ecosystem and manage three accounts to earn this generous interest rate.

Where it shines

• Competitive 3.56% to 4.23% APY
• No monthly fee
• No minimum opening deposit

Where it falls short

• Requires you to open two other Huntington accounts with high balances
• APY drops to 0.25% on balances $10 million and over

Other Huntington National Bank products

• CDs. Huntington offers a 14-month CD with a minimum opening balance of $1,000 and earns 4.34% APY. Its jumbo CDs earn up to 4.34% APY.
• Credit cards. Choose from various credit cards, including a flat cashback reward, rotating category rewards or a lower interest rate.
• Mortgages. Finance your next home with a fixed rate, adjustable rate or government-insured home loan.
• Home equity loans. Tap into your home equity and access cash with one of Huntington’s three home equity loans.
• Personal loans. Finance a personal or auto loan with interest rates up to 25% APR.
• Investments. Huntington’s wealth management division can help you grow and manage your assets and set up your estate or trusts for the future.
• Insurance. Get coverage to protect your home, life or motor vehicle.

Compare Huntington with leading bank accounts

Compare checking, savings and CDs accounts by monthly fee, opening deposit and APY. Select Compare to see up to four accounts side-by-side.

• Savings
• Checking
• CDs

Customer service experience

Huntington National Bank is an accredited business with the Better Business Bureau (BBB) and holds an A+ rating for promptly handling customer complaints.

Some customers comment that Huntington’s fees are reasonable, and customer service representatives are helpful and accommodating depending on the branch. On the other hand, several reviewers report ATMs eating their money during a cash deposit and delays in receiving funds from cash and check deposits.