Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

Huntington 5 Checking account review

Last updated:  

This checking account comes with free ATM withdrawals but its 0.02% APY is disappointing.’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





Minimum deposit to open


Fee$5 per month
To waive the feeOR you have $5,000 in total relationship balances
Minimum deposit to open$0
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

Expert review

Shannon Terrell

Review by

Shannon Terrell is a writer for Finder 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.

Expert review

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 0.02% 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.

How do I open a Huntington 5 Checking account?

  1. Go to the provider’s site and follow the steps to apply.
  2. From the Huntington’s website, click Apply.
  3. Enter your full name and email address. Next, answer Huntington’s eligibility questions. Click Continue.
  4. 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

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 5% 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:

  • 0.02% 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.

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.

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 Minimum deposit to open ATMs Out-of-network ATM fee
HSBC Premier Checking
Free to use at all ATMs in the US
Get a 3% cash bonus, up to $600 (max. $100 per month) during first six months after account opening. Must open HSBC Premier checking account through offer page by September 30, 2020, and set up qualifying direct deposits into the new account. Conditions apply. Deposit products are offered in the US by HSBC Bank USA, N.A. Member FDIC.
BBVA Online Checking
No ATM fees nationwide at more than 64,000 AllPoint, participating 7-Eleven and BBVA USA ATMs
A full-service account with convenient, surcharge-free access to two massive ATM networks, plus up to a $250 signup bonus when you meet deposit requirements
Axos Bank Essential Checking
ATM fees reimbursed at any ATM nationwide
No fees. Unlimited domestic ATM fee reimbursements.
Axos Bank Rewards Checking
ATM fees reimbursed at any ATM nationwide
Earn up to 1.25% APY while enjoying a suite of digital tools for smarter money management.
Aspiration Spend & Save Account
55,000 free in-network ATMs
Deposits are fossil fuel-free. A spend and save combo account with unlimited cash back rewards and deposits insured by the FDIC.
Fee-free ATM withdrawals at Allpoint ATMs
A digital bank account with no hidden fees, no minimum account balance and no maintenance charges.
Chime Spending account
38,000 fee-free ATMs nationwide
Get rid of fees with this mobile-first bank offering consumer-friendly accounts. Chime can also help you save easily and access your paycheck faster.
Chase Total Checking
Access to 16,000 ATMs and nearly 4,900 branches nationwide
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 4,900 branches. Available online nationwide except in Alaska, Hawaii and Puerto Rico.
HSBC Advance Checking
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
Get up to $270 (max. $50 per month) for eligible new customers who open an HSBC Advance checking account. Conditions apply. Deposit products are offered in the US by HSBC Bank USA, N.A. Member FDIC.
NorthOne Business Banking
More than 300,000 ATMs across America.

A digital bank account featuring free cash deposits, on-demand customer support and streamlined bookkeeping integrations.
BBVA Free Checking
1,000 fee-free ATMs across the country
Pay a $0 monthly service charge and get free access to BBVA ATMs.
SoFi Money
SoFi Money® is a cash management account that charges no account fees to save, spend, and earn cash back rewards when you spend on brands you love.
Nationwide Advantage checking
Access to over 80,000 ATMs nationwide
This account offers Nationwide highest interest rate – up to 0.90 APY. Plus, no overdraft or non-sufficient funds fees.

Compare up to 4 providers

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.

Frequently asked questions

Checking account ratings

★★★★★ — 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.

Read the full methodology of how we rate checking accounts.

Ask an expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.
Go to site