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Huntington Platinum Perks Checking account review

Free checks and 0.03% APY can't make up for the $25 monthly fee.

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Our verdict

The Huntington Platinum Perks Checking account — previously known as Huntington 25 Checking — offers 0.03% APY on your entire balance, no opening deposit, ATM reimbursements and can help boost your APY on other Huntington savings accounts. But these features come at the cost of a $25 monthly fee that can only be avoided when you meet the minimum balance requirement of $25,000. There isn't quite enough meat on the bone to justify the $25 a month, especially if you're looking for an interest-bearing checking account.

Best for: Consumers who also enjoy Huntington's other products.

  • No opening deposit
  • Up to $1,000 credit line after meeting requirements
  • ATM fee waivers and reimbursements
  • $25 monthly fee if balance is under $25,000
  • Low 0.03% APY
  • Only available in 11 states


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$25 per month

Minimum deposit to open


Who is Huntington Platinum Perks Checking best for?

Given the benefits this account grants to other Huntington accounts and overall weak APY, this product is best suited to those interested in investing in other Huntington products, particularly its savings account or money market account.

What makes Huntington Platinum Perks Checking shine

Perhaps the biggest draw of the Huntington Platinum Perks Checking is the bolstering effect it can have on Huntington’s other products, specifically the Relationship Money Market or Huntington Relationship Savings account. For example: A Huntington Platinum Perks Checking account can bump the interest rate on your Huntington Relationship Savings account from 0.02% APY to 0.05% APY if you’re a resident of Columbus, Ohio. This boost ultimately relies on your zip code however, so consumers will need to contact their local branch for more information.

The Huntington Platinum Perks Checking account has a few other friendly perks of note. These include free checks, no opening deposit, a 24-hour overdraft grace period and ATM fee waivers and reimbursements on the first 5 non-Huntington ATM cash withdrawal fees per statement cycle, worldwide.

Finally, Huntington offers a line of credit called “Standby Cash.” You may qualify for a $100 to $1,000 line of credit that you can pay back over three months when you make at least $750 in monthly deposits for three consecutive months. The line of credit is free when you set up automatic payments or you’ll pay a 1% monthly interest charge. This offers an extra bit of spending flexibility without the need to open a separate credit card.

Where Huntington Platinum Perks Checking falls short

Huntington Platinum Perks Checking account’s biggest drawback is the monthly fee. You’ll pay a $25 monthly maintenance fee that’s only avoided when your total balance across all your Huntington accounts is at least $25,000. This is a sizable sum of money necessary just to waive a monthly fee, and a rather large monthly fee at that.

If you’re not interested in also opening a money market or savings account with Huntington, this alone makes the account a tough sell. When you add the fact that Huntington services just 11 states (Ohio, Colorado, Florida, Illinois, Indiana, Kentucky, Michigan, Minnesota, Pennsylvania, West Virginia, and Wisconsin) has and poor ATM coverage, then the potential customer base for this product only shrinks further.

Also, although the account offers a 0.03% APY, it’s lower than the national average, which currently sits at 0.06% APY for interest-bearing checking accounts.

In which states does Huntington service?

Huntington is available to residents in the following eleven states:
  1. Illinois
  2. Indiana
  3. Kentucky
  4. Michigan
  5. Ohio
  6. Pennsylvania
  7. West Virginia
  8. Colorado
  9. Minnesota
  10. South Dakota
  11. Wisconsin

Huntington National Bank‘s fees and access

Huntington has over 1,700 ATM locations across the 11 states that it services. With a Huntington Platinum Perks Checking account, Huntington will waive its out-of-network ATM fees when you use a non-Huntington ATM and reimburse you for any fees incurred from the ATM provider.

Type of feeFee details
Monthly service$25

Waived when total balance is at least $25,000 each statement period

Opening depositNone
  • Non-Huntington ATM: $3.50
  • Foreign transaction fee: 3%
  • Huntington ATM extended statement: $2
Debit card fees
  • Cash withdrawals
  • Foreign transactions
  • Card replacement
Overdraft or nonsufficient fundsOverdraft fee: $15 per item. No fees unless final account balance for the day is overdrawn by more than $50. Limit of 3 per day
Wire transfers
  • Incoming
    • Domestic: $15
    • International: $15
    • Internal: $10
  • Outgoing
    • Domestic: $25
    • International: $75
Other fees
  • Stop payment: $31
  • Cashier check: $6
  • Return deposit item: $10
  • Expedited card delivery: $25
  • Image statement: $3
  • Document copies: $5
  • Garnishment: $75
  • Dormant account: $5

How to open the Huntington Platinum Perks Checking account

Sign up for a Huntington Platinum Perks Checking account by going to the Huntington Bank website and selecting Checking under the Banking menu bar. Click on Huntington Platinum Perks Checking and follow the directions to apply for the account. You’ll need your full name, Social Security number, and a government-issued ID to complete the application.

Huntington National Bank’s reviews and complaints

Huntington Bank doesn’t have the greatest reputation on social media, with several Reddit users complaining of the bank’s poor fee structure and account options. Several customers note the bank was once a solid bank, but was bought out by a few businesses and hasn’t been the same since.

Huntington National Bank has an A+ rating with the Better Business Bureau (BBB) for addressing complaints. But customers aren’t happy with the bank, giving it a 1.25 out of 5-star rating based on 153 reviews. And Trustpilot users have a divided opinion with six positive and five negative reviews, yielding a Trustscore average of 2.8 out of 5 stars.

Reach out to Huntington customer support by:

  • Calling 800-480-2265 every day from 7 a.m. to 7 p.m. ET.
  • Live chatting with a representative on its website by hitting the Ask Us button.
  • Tweeting @askhuntington.
  • Sending a direct Facebook message to @huntingtonbank.

Compare Huntington Platinum Perks Checking with other checking accounts

Compare other checking accounts by monthly fees, minimum deposits and ATM access. Select up to 4 products and click Compare to check out their features side-by-side.

Name Product Fee Minimum deposit to open Annual Percentage Yield (APY) Offer
US Bank Smartly Checking
Finder Rating: 2.6 / 5: ★★★★★
US Bank Smartly Checking
$6.95 per month
New offer: Earn up to $600 when you open a new U.S. Bank Smartly™ checking account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through April 11, 2023. Member FDIC
Take control of your spending with integrated tools such as automated budgeting, upcoming due date alerts, low balance alerts and more, available in the US Bank Smartly Checking mobile app. Easily send and receive funds via Zelle. Waive overdraft fees by depositing money before the forgiveness deadline. Member FDIC.
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Finder Rating: 4.7 / 5: ★★★★★
Chime Checking account
$0 per month
Save easily and access your paycheck up to 2 days early with direct deposit. Pay $0 monthly fees, and no minimum balance is required. Access 24/7 support and get daily balance and transaction alerts. FDIC insured.
Chase Total Checking
Finder Rating: 3 / 5: ★★★★★
Chase Total Checking
$12 per month
New Chase checking customers enjoy a $200 bonus when you open a new Chase Total Checking® account and set up direct deposit.
Chase Total Checking is easy to use and gives you access to 16,000 ATMs and more than 4,700 branches. It offers a $200 signup bonus to new Chase customers. Member FDIC.
Upgrade Rewards Checking
Finder Rating: 4.3 / 5: ★★★★★
Upgrade Rewards Checking
$0 per month
Earn up to 2% cashback rewards on everyday purchases. Pay $0 fees for overdraft, domestic wire transfer and monthly maintenance. Pair with Upgrade’s savings account to earn 3.75% APY. Get up to 20% discounts on Upgrade loans and credit lines. Member FDIC.
Albert Cash
Finder Rating: 4.5 / 5: ★★★★★
Albert Cash
From $0 per month
30-day free trial for Albert Genius
Albert Saving helps you set money aside for the future, whether your purchasing goals are big or small. Paid Genius subscription members enjoy perks like automated savings and annual cash bonuses. FDIC-insured through their partner banks.

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.

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