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Huntington Asterisk-Free Checking account review

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No minimum balance or maintenance fees but only for Midwest residents.

This no-frills checking account touts a no-strings-attached promise, with no maintenance fees or balance requirements. But watch out for high fees for using ATMs out of its network.


Monthly fee




Minimum deposit to open


Monthly fee$0
Minimum deposit to open$0
ATMsFree at more than 1,800 ATMs across the Midwest
ATM transaction fee$0
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.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.

Expert review

The Huntington Asterisk-Free Checking account is best for those looking for a checking account free from maintenance fees and minimum balances. In addition to no fees, the account includes a 24-hour overdraft grace period.

But the bank is only available in seven states in the Midwest.

What are the benefits of a checking account with Huntington?

In addition to the perks of on-the-go mobile banking, you’ll also enjoy:

  • No maintenance fees. It won’t cost you anything to open and maintain this account.
  • No minimum deposit. Some checking accounts require a deposit of $50 or more.
  • 24-hour overdraft grace period. If you overdraw your account, you’ll have a 24-hour penalty-free grace period to bring your account out of the red.
  • Huntington relationship rates. Keep at least $300 or more in this account and you’ll pay no fees on a Huntington Premier Savings account.

What should I look out for?

Be on the lookout for the following drawbacks:

  • $3 ATM fee. While there are no fees to maintain this account, be prepared for a $3 surcharge each time you use a third-party ATM provider.
  • Limited availability. Huntington accounts are only available to residents of Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania and West Virginia.

If you prefer a bank with locations near you, you’ll want to keep looking. As always, compare your options when looking for a checking account.

Huntington’s ATM network and fees.

The Huntington Asterisk-Free Checking account comes with a Huntington Debit Mastercard. With it, you can access the Huntington ATM network, which includes more than 1,800 ATMs spread across the states it services.
You won’t need to worry about ATM fees when you use a Huntington ATM. But you’re charged a $3 fee for any transaction at a non-Huntington ATM, in addition to any fee charged by the network or ATM owner.

Compare with other checking accounts

Name Product APY ATMs Fee
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.
BBVA Premium Checking
More than 64,000 AllPoint, participating 7-Eleven and BBVA USA ATMs
(can be waived)
A full-service interest checking account that offers automatic rebates of ATM fees. Earn a $200 cash bonus when you add direct deposit.
Chase Sapphire Checking
Free to use anywhere worldwide
(can be waived)
Get a $1000 welcome bonus when you join Sapphire Banking by January 17, 2020. 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.
Radius Bank Rewards Checking
Radius Bank Rewards Checking
1.20% on balances of $100,000+
1.00% on balances of $2,500 to $99,999.99
More than 20,000 ATMs + unlimited ATM surcharge rebates
Earn cash back with this high-interest checking account, plus get free ATM access worldwide.
Chase Total Checking
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.
Chime Spending account
38,000 fee-free ATMs nationwide
Linked checking and savings accounts from a mobile-first bank that’s light on fees.

Compare up to 4 providers

How do I open a Huntington Asterisk-Free Checking account?

  1. Go to Huntington’s website and click Apply.
  2. Enter your full name and email address. Then, review 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.

Finally, review your submitted information and make any necessary changes. Review Huntington’s account disclosures, plus terms and conditions.

To complete the process, you’ll need to fund your account using an externally linked account. Once you’ve submitted your application, your Huntington Debit Mastercard will arrive in seven to 10 business days.


To maintain eligibility for this account, you’ll need to 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.

Gather the following 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?

Transfer funds in one of five ways:

  • Online deposit. Make an online transfer to or from an externally linked account.
  • Mobile check deposit. Deposit a check using the Huntington mobile app, available for Android and iOS.
  • ATM. Make a withdrawal or deposit at over 1,800 Huntington ATMs.
  • Wire transfer. Expect to pay $15 for incoming wire transfers, and $25 for outgoing transfers.
  • In person. Visit a Huntington branch to make a deposit or withdrawal in person.

What other checking options does Huntington offer?

Huntington has a number of personal and business checking accounts to choose from:

  • Huntington 5 Checking account. An interest-bearing checking account, albeit low with 0.05% APY, ATM rebates and Huntington relationship rates on qualifying Huntington money market and savings accounts.
  • Huntington 25 Checking account. Earn 0.25% APY and waive the $25 maintenance fee by maintaining over $25,000 across eligible Huntington accounts.
  • Business Checking 100. Designed for start-ups, this business checking account offers no monthly fees and 100 free transactions monthly.
  • Business Analyzed Checking account. Enjoy overdraft protection, treasury management services and a free Huntington Debit Mastercard Businesscard.
  • Unlimited Business Checking account. Unlimited transactions and potential bonus services that include cash flow forecast and free wire transfers.
  • Unlimited Plus Business Checking account. This interest-bearing account comes with unlimited transactions and a selection of features that include fraud monitoring, payroll services and free incoming wire transfers.

Frequently asked questions.

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