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Huntington National Bank: Savings, Checking and CDs
Checking accounts with powerful features but low interest rates on most products.
Our verdict
Huntington Bank has been around for over 100 years and offers a full suite of banking products, from personal checking to business and commercial banking. After merging with Cadence Bank in February 2026, it now has nearly 1,400 branches across 21 states. It’s a solid pick if you live near a branch and have a larger balance to unlock its relationship rates. But its standard rates are low, and online account opening is limited to select states.
Best for: Customers who like in-person banking and can meet balance or checking requirements to earn higher rates.
Pros
- No opening deposit on most checking accounts
- ATM fee reimbursements on higher-tier checking
- Competitive promo rates on Relationship Savings
- $50 overdraft Safety Zone and 24-Hour Grace
Cons
- Branches in only 21 states and limited online account opening
- Most accounts have monthly fees
- Low standard rates on savings and CDs/li>
- Best APYs require high balances/li>
Is Huntington National Bank right for you?
Huntington is a good option if you want in-person banking and live near one of its branches. Keep in mind that online account opening isn’t available in every branch state. For example, you must live in Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, West Virginia, North Carolina, South Carolina or Wisconsin to open a Relationship Money Market account online, though existing customers in other states may qualify.
Its checking accounts come with handy features like ATM fee reimbursements, credit score monitoring and identity monitoring. But standard savings and CD rates are low, and you’ll need a qualifying checking account and a higher balance to earn its best rates.
It has branches in these 21 states:
- Alabama
- Arkansas
- Colorado
- Florida
- Georgia
- Illinois
- Indiana
- Kentucky
- Louisiana
- Michigan
- Minnesota
- Mississippi
- Missouri
- North Carolina
- Ohio
- Pennsylvania
- South Carolina
- Tennessee
- Texas
- West Virginia
- Wisconsin
How Huntington National Bank stacks up
Huntington’s top checking accounts waive all non-Huntington ATM withdrawal fees and reimburse fees charged by other ATM owners. They also come with credit score and identity monitoring and free checks.
If you have Perks Checking or Platinum Perks Checking, you can earn 3.25% APY on Relationship Savings balances of $5,000 to $2 million, or up to 3.35% APY on Relationship Money Market balances of $25,000 to $2 million. These are promotional rates for new money.
However, without a qualifying checking account, rates are low. Relationship Savings earns just 0.01% APY, and standard CDs earn 0.25% APY. The best money market rate also only kicks in once you have $25,000 in the account.
Huntington National Bank checking accounts
These features come standard on Huntington checking accounts:
- Standby Cash. Eligible customers can get a $100 to $750 line of credit. There’s a 5% cash advance fee on each transfer. Pay it back over three months with automatic payments and there’s no interest. Otherwise, a 1% monthly interest charge (12% APR) applies.
- $50 Safety Zone. No overdraft fee unless your account is overdrawn by more than $50 at the end of the day. After that, it’s $15 per item, up to 3 fees per day.
- 24-Hour Grace. You get extra time to bring your balance back up before an overdraft fee is charged.
- Early Pay. Get your direct deposit up to two days early.
- Instant check deposit. The first $500 of your daily check deposits may be available immediately.
| Account name | Best for | Opening deposit | Monthly fee | APY | Features |
|---|---|---|---|---|---|
| Huntington Platinum Perks Checking | Unlimited ATM fee waivers | $0 | $25 or $0 with $25,000 in total relationship balances | 0.03% APY |
|
| Huntington Perks Checking | Customers with $1,000 in monthly deposits | $0 | $10 or $0 with $1,000 in monthly deposits or $5,000 in total relationship balances | 0.02% APY |
|
| Huntington Asterisk-Free Checking | No monthly fees | $0 | $0 | N/A |
|
| Huntington SmartInvest Checking | Customers with a Huntington Managed Investment account | N/A | $0 with $100,000 in total relationship balances and a Managed Investment account | N/A |
|
| Huntington Teen Banking | Parents who want to give teens a debit card | N/A | $5 or $0 if the adult co-owner has Perks, Platinum Perks or SmartInvest Checking | N/A |
|
Huntington Platinum Perks Checking
Platinum Perks Checking has the most perks of Huntington’s everyday checking accounts. It waives the $3.50 non-Huntington ATM fee and reimburses fees charged by other ATM owners, so you can use any ATM. You also get credit score and identity monitoring and free checks. The catch is the $25 monthly fee, which is only waived with $25,000 in total relationship balances. And its 0.03% APY is below the national average of 0.07% APY for interest checking.
Huntington Perks Checking
Perks Checking is Huntington’s mid-tier account, with a lower monthly fee and fewer ATM perks. You get 5 free non-Huntington ATM withdrawals per statement cycle and credit score monitoring, and it unlocks relationship rates on Huntington’s savings and money market accounts. To waive the $10 monthly fee, you’ll need $1,000 in monthly deposits or $5,000 in total relationship balances. It earns 0.02% APY, which is below the national average of 0.07% APY, and doesn’t include identity monitoring.
Huntington Asterisk-Free Checking
Asterisk-Free Checking is a basic account with no monthly fee, no opening deposit and no balance requirements. You still get Huntington’s standard checking features, like the $50 Safety Zone and Early Pay. But it doesn’t earn interest or come with credit score or identity monitoring. And you’ll pay $3.50 per non-Huntington ATM transaction, plus any ATM owner fees.
Huntington SmartInvest Checking
SmartInvest Checking is for customers with at least $100,000 in total relationship balances and a Huntington Managed Investment account. It waives ATM fees and reimburses ATM owner fees worldwide and charges no overdraft, wire or internal transfer fees. It also includes credit score and identity monitoring. Interest is tiered, with Tier 1 for balances of $100,000 to $999,999 and Tier 2 for $1 million or more. Just keep in mind the required investment account may come with its own minimums and fees.
Huntington Teen Banking
Huntington doesn’t offer a separate student checking account. Students 18 and older can open any of its checking accounts, while those under 18 must apply in person with someone who is at least 18. Students can also pick school-spirit debit cards for colleges like The Ohio State University and the University of Michigan.
For younger teens, Teen Banking is a joint account for one teen and one adult. Parents can set spending limits, control ATM access and lock or unlock the card. It costs $5 a month, but the fee is waived if the adult co-owner has Perks, Platinum Perks or SmartInvest Checking. The account must be opened in a branch with both the teen and adult present.
Huntington National Bank savings accounts
Huntington offers four savings and money market accounts. They come with Organize, a tool that lets you create separate funds for different goals and track your progress.
| Account name | Best for | Opening deposit | Monthly fee | APY |
|---|---|---|---|---|
| Huntington Premier Savings | Low opening deposit | $50 | $4 or $0 with a $300 average daily balance or a Huntington personal checking account | N/A |
| Huntington Relationship Savings | Perks and Platinum Perks Checking customers | $100 | $10 or $0 with a $2,500 average daily balance or a Huntington personal checking account |
|
| Huntington Relationship Money Market | Balances of $25,000+ | $25,000 | $25 or $0 with a $25,000 average daily balance or Perks or Platinum Perks Checking |
|
| Huntington SmartInvest Money Market | SmartInvest Checking customers | $0 | $0 with SmartInvest Checking | N/A |
Huntington Premier Savings
Premier Savings has a low $50 opening deposit and a $4 monthly fee that’s waived with a $300 average daily balance or a Huntington personal checking account. It’s an easy place to park cash if you already bank with Huntington, but its rate is low compared to the national average of 0.38% APY.
Huntington Relationship Savings
Relationship Savings pays off if you have Perks or Platinum Perks Checking. You’ll earn 3.25% APY on balances of $5,000 to $2 million, well above the national average of 0.38% APY. Without a qualifying checking account, it earns just 0.01% APY. The promo rate only applies to new money. It has a low $100 opening deposit, and the $10 monthly fee is waived with a $2,500 average daily balance or any Huntington personal checking account.
Huntington Relationship Money Market
If you can meet the $25,000 opening deposit, the Relationship Money Market earns 3.25% APY, or 3.35% APY with Perks or Platinum Perks Checking, on balances of $25,000 to $2 million. That’s over five times the national average of 0.63% APY for money market accounts. Balances under $25,000 don’t earn interest, and the rate drops to 0.25% APY over $2 million. You get check writing and unlimited withdrawals at Huntington ATMs and branches. The $25 monthly fee is waived with a $25,000 average daily balance or qualifying checking.
Huntington SmartInvest Money Market
The SmartInvest Money Market is only available to SmartInvest Checking customers. There’s no minimum balance to open or earn interest, and no monthly fee when it’s paired with SmartInvest Checking. It has two interest tiers based on your total relationship balance: Tier 1 for $100,000 to $1 million and Tier 2 for $1 million or more. To qualify, you’ll need SmartInvest Checking, a Managed Investment account and at least $100,000 in balances.
Other Huntington National Bank products
- CDs. Huntington’s promo CDs include a 5-month CD at 4.00% APY and a 9-month CD at 2.50% APY, with a $1,000 minimum. Standard CDs earn 0.25% APY. Jumbo CDs require $100,000.
- Credit cards. Choose from cards with flat cash back, rotating category rewards or a lower interest rate.
- Mortgages. Finance a home with a fixed-rate, adjustable-rate or government-backed loan.
- Home equity. Tap your home equity with a home equity loan or line of credit.
- Personal loans. Unsecured personal loans go up to $50,000 with rates from 9.07% to 25.00% APR.
- Investments. Huntington’s wealth management team can help you grow your assets and plan your estate.
- Insurance. Get coverage for your home, life or vehicle.
Compare Huntington with leading bank accounts
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What is the Finder Score?
The Finder Score crunches over 250 savings accounts from hundreds of financial institutions. It takes into account the product's interest rate, fees, opening deposit and features - this gives you a simple score out of 10.
To provide a Score, Finder’s banking experts analyze hundreds of savings accounts against FDIC-reported national averages as a baseline. Accounts with rates well over the national average are scored the highest, while accounts with rates well below are scored low.
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What is the Finder Score?
The Finder Score crunches over 300 checking accounts from hundreds of financial institutions. It takes into account the product's monthly fees, overdraft fees, opening deposit, customer support options, ATM network and features — this gives you a simple score out of 10.
To provide a Score, Finder’s banking experts analyze hundreds of checking accounts against what we consider is the best option: no monthly fees, no overdraft fees, a large ATM network of 50,000 or more, additional features outside of typical banking services, and the optional perk of earning interest. Accounts that are nearly free to maintain and use are scored the highest, while accounts with costly fees and few features are scored the lowest.
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What is the Finder Score?
The Finder Score analyzes hundreds of CDs from more than 100 institutions. It takes into account the product's interest rate for available terms and opening deposit requirements - this gives you a simple score out of 10.
Different banks and credit unions offer CDs for various lengths of time, ranging from as short as seven days to as long as 20 years. For our ratings, we consider the term lengths that the FDIC uses in its monthly updates on national rates.
If a bank or credit union doesn’t offer a CD for a specific term used by the FDIC, we don’t penalize it: Instead, we simply don’t rate it. Each of the standard term lengths has its own APY rating based on the FDIC’s average rates.
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.
More resources on Finder
Read more on Bank Accounts
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Huntington Platinum Perks Checking Account Review
A checking account that comes with free checks and complimentary credit score and identity monitoring services.
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Huntington CD Rates and Review
Huntington offers a decent interest rate on its promotional CDs, but you’ll need to visit a branch to open one and deposit at least $1,000.