Huntington 5 Checking account review August 2019 |

Huntington 5 Checking account review

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Huntington 5 Checking
  • Online Bill Pay
  • Overdraft Protection
  • Relationship rate benefit
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This checking account comes with free ATM withdrawals but its 0.05% APY is disappointing.

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.

Monthly fee$5 per month
To waive the feeOR you have $5,000 in total relationship balances
Minimum deposit to open$0
Intro or bonus offerOpen a Huntington 5 Checking account, earn $200. Conditions apply
ATMsFree at more than 1,800 ATMs across the Midwest
ATM transaction fee$0
ATM fee rebatesHuntington 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 fee3%
Overdraft fee$37.50
  • Cash by teller
  • Check by teller
  • Bank transfer
  • Cash by ATM
  • Check by ATM
  • Wire transfer
  • Mobile/remote check deposit
  • Direct deposit

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

Name Product APY ATMs Fee
Access to 16,000 ATMs and nearly 5,000 branches nationwide
(can be waived)
Get a $200 bonus when you open a new Chase Total Checking account and set up direct deposit within 60 days of opening your account. Chase's simplest checking account is easy to use and gives you access to 16,000 ATMs and nearly 5,000 branches.
1.25% on balances of $0+ with $1,000+ in direct deposits, 10 $3+ debit card transactions and 5 additional account transactions per month
ATM fees reimbursed at any ATM nationwide
Earn up to 1.25% APY while enjoying a suite of digital tools for smarter money management.
Free at over 56,000 ATMs around the world
A full-service account with convenient, surcharge-free access to two massive ATM networks.
0.01% on balances of $5+
Surcharge-free HSBC ATMs nationally and internationally, plus up to four rebates a month for using non-HSBC ATMs in all US states except New York
(can be waived)
Get $350 by funding and maintaining your new account with at least $5,000 in combined checking and savings for 90 days and setting up recurring third-party direct deposits for 3 consecutive months. Offer expires December 31, 2019.
2.00% on balances of $10,000+ or deposit $1+ each calendar month into any Aspiration cash management or investment account
Free to use anywhere worldwide
A spend and save combo account with no monthly service fees, free access to every ATM in the world, unlimited cash back rewards and deposits insured by the FDIC. The Aspiration Spend & Save Account is a cash management account offering of Aspiration Financial, LLC, an SEC-registered broker-dealer. Aspiration is not a chartered bank.
Free to use anywhere worldwide
(can be waived)
Get a $750 welcome bonus when you join Sapphire Banking by September 28, 2019. Within 45 days of joining, transfer a total of $75,000 or more in qualifying new money or securities to a combination of eligible checking, savings and/or investment accounts (excludes any J.P. Morgan retirement accounts and CDs), and maintain the balance for at least 90 days.

Compare up to 4 providers

How do I open a Huntington 5 Checking account?

  1. Go to Huntington’s website and click Apply.
  2. Enter your full name and email address. Next, answer Huntington’s eligibility questions. Click Continue.
  3. 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.


To remain eligible for this account, you must meet the following criteria:

  • US citizen
  • At least 18 years old
  • Social Security number
  • Valid driver’s license or state ID
  • Valid bank account
  • Resident of Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania or West Virginia

Required information

Have the following information ready before you apply:

  • Name, date of birth and residential address
  • Contact information
  • Employment information
  • Social Security number
  • Driver’s license or state ID
  • External bank account number and routing number of funding account

How do I deposit or withdraw my money?

Move funds to and from your account in any of the following ways:

  • Online deposit. Make an online transfer to or from an externally linked account.
  • Mobile check deposit. Using Huntington’s mobile app, deposit a check to your account by snapping and uploading a photo of your check.
  • ATM. Make a withdrawal or deposit at any of Huntington’s 1,800 ATMs.
  • Wire transfer. Incoming wire transfers cost $15, while outgoing domestic transfers cost $25.
  • In person. Bring a valid form of ID when you visit a local Huntington branch to conduct a transfer in person.

What other checking options does Huntington 5 offer?

Checking account options are plentiful with this provider:

  • Asterisk-free Checking account. This simple checking account has no monthly maintenance fee or minimum balance requirement.
  • 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.

Bottom line

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.

Review your checking account options with other providers to ensure you get the account best suited to your personal banking needs.

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