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Huntington Unlimited Business Checking review

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Get unlimited transactions and one of five bonus benefits with this business checking account.

finder.com’s rating: 2.2 / 5.0

★★★★★

Huntington National Bank’s Unlimited Business Checking account is a midrange option for businesses operating in the Midwest that aren’t ready to graduate to an Unlimited Plus Business Checking account. But the Unlimited Business Checking account is not interest-bearing and it has a preference for digital deposits.

$20 per month

Monthly fee

0%

APY

Details

Monthly fee$20 per month
To waive the feeMaintain $10,000 in combined deposit relationship balances
Intro or bonus offerOpen an Unlimited Business Checking account, earn $400. Conditions apply
ATMsFree at more than 1,800 ATMs across the Midwest
Out-of-network ATM fee$3
Overdraft fee$37.50

Expert review

Rhys Subitch

Review by


Rhys Subitch is a writer and editor at finder.com who tackles topics across the site. With half a decade of experience researching, editing and writing for a Fortune 500 company, university and several independent publications, Rhys brings readers the most up-to-date and curated info on all things finance.

Expert review

Huntington’s Unlimited Business Checking provides a mid-tier option for small businesses that aren’t ready to sign up for the Unlimited Plus Business Checking account. While the account does offers unlimited transactions, it has a preference for digital deposits, there are limited locations and there’s no online assistance.

Huntington National Bank Huntington National Bank

Earn a $400 bonus when you open a new account

Earn a $400 bonus when you open an Unlimited Business Checking account if you live in Ohio, Illinois, Indiana, Kentucky, Michigan, Pennsylvania or West Virginia. Conditions apply.

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What are the benefits of business checking with Huntington National Bank?

A Huntington Unlimited Business Checking account includes:

  • Unlimited transactions. Make as many transactions as you need each month.
  • Bonus services. Choose one of five bonus features: a fraud tool, 10% Paychex discount, two complementary incoming domestic wires per month, up to 25 returned deposit items per month or a deposit scan tool.

What should I look out for?

The Unlimited Business checking account is not interest-bearing, among other potential drawbacks:

  • Monthly maintenance fee. Huntington waives the $20 monthly maintenance fee if the total balance among your business deposit accounts exceeds $10,000.
  • Checking deposit fee. You’re encouraged to use the deposit scan tool for cash or check deposits to your account, which allows you to avoid the 30-cent fee on every $100 above a $10,000 limit for deposits at branches or ATMs.
  • Limited locations. Huntington National Bank only operates in Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania and West Virginia.
  • No online assistance. You’ll need to go to a branch location to open a business account. For questions you can call 800-480-2265 or go to a branch.

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

Huntington National Bank’s ATM network and fees

According to the Huntington National Bank website, there are nearly 1,000 branches and over 1,800 ATMs in its network.

FeeAmount
Overdraft and returned payment$37.50
Stop payment, over the phone or in branch$31
Stop payment, online$25
Account statement, paper$3
Account statement, paperless$0
Non-Huntington ATM$3
Cash back at a register$0
Returned deposit$13
Wire transferVaries

Compare with other business checking accounts

Find out how the Huntington Unlimited Business Checking account stacks up against other providers.

Name Product APY ATMs Fee
16,000 Chase ATMs and nearly 5,000 branches
$15/month
(can be waived)
If you’re new to Chase Total Business Checking®, get $200 when you open this account and complete qualifying activities. It boasts convenient features to help small and growing businesses reach their goals.
Huntington Business Checking 100
Huntington Business Checking 100
Free at more than 1,800 ATMs across the Midwest
$0
Earn a $200 bonus when you open a Huntington Business Checking 100 account if you live in Ohio, Illinois, Indiana, Kentucky, Michigan, Pennsylvania or West Virginia. Conditions apply.
Free at more than 1,800 ATMs across the Midwest
$20/month
(can be waived)
Earn a $400 bonus when you open an Unlimited Business Checking account if you live in Ohio, Illinois, Indiana, Kentucky, Michigan, Pennsylvania or West Virginia. Conditions apply.
Free at more than 1,800 ATMs across the Midwest
$40/month
(can be waived)
Earn a $750 bonus when you open an Unlimited Plus Business Checking account if you live in Ohio, Illinois, Indiana, Kentucky, Michigan, Pennsylvania or West Virginia. Conditions apply.

Compare up to 4 providers

How do I open a Huntington Unlimited Business Checking account?

To open an account, you’ll need to find the nearest branch:

  1. Go to the Huntington National Bank website and select Find a branch at the top of the page.
  2. Enter your ZIP code or address or select Use current location and Go.
  3. Select a location on the map for details.

Eligibility

In order to apply for an Unlimited Business Checking account, you’ll need to meet the following requirements:

  • At least 18 years old
  • Valid Social Security number
  • Business located within Huntington National Bank’s service area

Required information

You’ll need to bring documentation based on your business type.

How do I deposit or withdraw my money?

You can access your funds a number of ways, including:

  • ATMs. Check your balance, make withdrawals and deposit cash and checks.
  • ACH transfers.Send funds to and from your account.
  • Wire transfers. Wire money into and out of your business account. Outgoing wires typically come at a fee.
  • Mobile app. Pay bills and make check deposits and ACH transfers.

What other business checking options does Huntington National Bank offer?

Huntington National Bank offers several business account options:

  • Unlimited Plus Business Checking. This interest-bearing account includes unlimited transactions and the choice of two bonus features.
  • Business Checking 100. Limits monthly transactions to 100 in-person and ATM deposits to $5,000.
  • Business Analyzed Checking. Charges fees for each transaction that can be offset by an earnings credit.

Frequently asked questions

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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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