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What are the benefits of a checking account with Huntington?
Open an account with any amount and enjoy the following perks:
5 free ATM withdrawals. You won’t be charged for the first five non-Huntington ATM withdrawals you make per statement cycle.
24-hour overdraft grace period. Get your account out of the red and avoid overdraft fees.
Huntington relationship rates. Avoid the monthly fee and have access to higher interest rates when you have multiple accounts with Huntington.
Huntington Voice credit card bonus points
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.
What should I look out for?
This checking account has a couple drawbacks to note:
0.05% APY. Even for an interest-bearing checking account, the low APY that accompanies this account is unimpressive.
$5 maintenance fee. You’ll need to maintain a combined minimum balance of $5,000 across your Huntington accounts to avoid the $5 monthly maintenance fee.
Limited availability. The Huntington 5 Checking account is only available to residents of the following Midwest states: Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania or West Virginia.
No checks. There are no free checks associated with this account, but you can order checks from Huntington’s website, by visiting a local bank branch or by calling 800-480-2265.
Huntington’s ATM network and fees
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.
Compare with other checking accounts
How do I open a Huntington 5 Checking account?
Go to Huntington’s website and click Apply.
Enter your full name and email address. Next, answer Huntington’s eligibility questions. Click Continue.
Enter your ID information, including your ID number, state of issue and date of issue. Next, enter your residential address, date of birth and Social Security number. Click Continue.
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.
Huntington 25 Checking account. Earn 0.25% APY with this interest-bearing checking account alongside free ATM withdrawals at non-Huntington ATMs.
Business Checking 100. This account comes with no monthly fees, 100 free monthly transactions and up to $5,000 in deposits in-branch or at an ATM at no charge.
Business Analyzed Checking account. Receive a free Huntington Debit Mastercard Businesscard and offset service fees by earning account credits.
Unlimited Business Checking account. Enjoy unlimited transactions, merchant services and payroll services with the option to waive the $20 monthly fee when you maintain at least $10,000 in combined balances across eligible Huntington accounts.
Unlimited Plus Business Checking account. An interest-bearing business checking account that offers unlimited transactions, two Huntington bonus services and no maintenance fee with combined balances of at least $50,000 across eligible Huntington accounts.
If you live in one of the states it services, Huntington 5 Checking account offers five free nonbank ATM withdrawals a month and pays a nominal 0.05% APY. But that small savings is eaten up by its $5 monthly fee if you can’t maintain $5,000 across all accounts.
When sending a wire transfer, use the routing number 044000024 and SWIFT code HUNTUS33.
Yes, but Huntington suggests that you submit a travel notice prior to your departure to ensure interrupted use of your card while abroad.
Yes, you can link any eligible savings, money market, personal line of credit or Voice Credit Card account as overdraft protection for your Huntington 5 Checking account.
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