Huntington Asterisk-Free Checking account review August 2019 |

Huntington Asterisk-Free Checking account review

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Huntington Asterisk-Free Checking
  • Online Bill Pay
  • All Day Deposit
  • Overdraft Protection
Find out more Go to site

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$0
Minimum deposit to open$0
Intro or bonus offerOpen an Asterisk-Free Checking account, earn $150. Conditions apply
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
  • 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?

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.

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
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 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.

Bottom line

The Huntington Asterisk-Free Checking account offers many standard account features without maintenance fees or minimum balances.

Wondering what other accounts are available near you? Browse your account options with additional providers to explore rates, account features and eligibility.

Frequently asked questions.

Was this content helpful to you? No  Yes

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 provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site