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finder.com’s rating: 2.7 / 5.0
★★★★★
This basic checking account has some perks like reward points. Take advantage of ATM fee reimbursements and a 24-hour overdraft grace period, but only if you live in the Midwest.
$5 per month
Monthly fee
0.05%
APY
$0
Minimum deposit to open
| APY | 0.05% |
|---|---|
| Monthly fee | $5 per month |
| To waive the fee | OR you have $5,000 in total relationship balances |
| Minimum deposit to open | $0 |
| ATMs | Free at more than 1,800 ATMs across the Midwest |
| ATM transaction fee | $0 |
| ATM fee rebates | Huntington will waive 5 non-Huntington ATM cash withdrawal fees and reimburse you for fees charged by another ATM |
| Out-of-network ATM fee | $3 |
| Foreign transaction fee | 3% |
| Overdraft fee | $37.50 |
Review by
Shannon Terrell is a writer for finder.com who studied communications and English literature at the University of Toronto. On any given day, you can find her researching everything from equine financing and business loans to student debt refinancing and how to start a trust. She loves hot coffee, the smell of fresh books and discovering new ways to save her pennies.
The Huntington 5 Checking account is best for those who live in one of the seven Midwest states it services. The account offers five free non-bank ATM withdrawals a month and 0.05% APY.
But if you don’t maintain a balance of $5,000 across your accounts, the small savings you do earn may be eaten up by its $5 monthly fee.
Open an account with any amount and enjoy the following perks:
If you carry a Huntington Voice credit card and collect reward points, opening a Huntington 5 Checking account offers the perk of earning bonus points.
By holding both a Huntington Voice credit card and a Huntington 5 Checking account, you’ll earn a 10% bonus on your Huntington Voice credit card reward points. But to qualify, you’ll need to carry a Huntington Voice credit card before you apply.
This checking account has a couple drawbacks to note:
If you prefer a higher yield checking account, you’ll want to keep looking. As always, review other options when looking for a checking account.
The Huntington 5 Checking account comes with a Huntington Debit Mastercard that offers access to its network of over 1,800 ATMs across its serviced states.
While there’s no cost for using a Huntington ATM, there’s a $3 fee associated with third-party ATM providers. However, this checking account offers fee reimbursements for your first five withdrawals made at non-Huntington ATMs per statement cycle.
Review your application information and make any necessary changes. Then, review Huntington’s account disclosures and online terms and conditions.
Finally, you’ll be asked to complete your application by funding your account using an externally linked account.
Your Huntington Debit Mastercard will arrive by mail within seven to 10 business days.
To remain eligible for this account, you must meet the following criteria:
Have the following information ready before you apply:
Move funds to and from your account in any of the following ways:
Checking account options are plentiful with this provider:
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
We analyze top checking accounts and rate them one to five stars based on factors that are most important to you. These factors include: monthly fees, the ease at which monthly fees can be waived, the breadth of ATM access, ATM and overdraft fees, and customer service.
