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Huntington Unlimited Business Checking review

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



Minimum deposit to open


Fee$20 per month
To waive the feeMaintain $10,000 in combined deposit relationship balances
Minimum deposit to open$0
Intro or bonus offerGet $400 when you open a new Huntington Unlimited Business Checking account by March 7, 2022. You must deposit at least $5,000 within 60 days and keep the account open for at least 90 days.
ATMsFree at more than 1,800 ATMs
Out-of-network ATM fee$3
Foreign transaction fee3%
Overdraft fee$36

Review by

Rhys Subitch is a former writer and editor at Finder who tackled 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 brought readers the most up-to-date and curated information 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. It’s best for business owners who can comfortably maintain $10,000 across all Huntington business accounts to avoid the $20 monthly fee.

While the account offers unlimited transactions, it has a preference for digital deposits as there are limited branch locations. Cash deposits don’t count as a “transaction” and are capped at $10,000 a month. If you bring in more than $10,000 in cash a month, this isn’t the best account for your business.

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 provider’s site and follow the steps to apply.
  2. From the Huntington National Bank website, select Find a branch at the top of the page.
  3. Enter your ZIP code or address or select Use current location and Go.
  4. Select a location on the map for details.


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.

What are the benefits of a Huntington Unlimited Business Checking account?

A Huntington Unlimited Business Checking account includes:

  • Unlimited transactions. Make as many transactions as you need each month, including check deposits, ticket deposits, ACH debits and credits, debit card purchases and bill payment transactions. Cash deposits are capped at $10,000 a month. After that, you’ll pay 30 cents for every $100 you deposit.
  • Bonus services. Choose one of five bonus features: a fraud tool, 10% Paychex discount, two complimentary incoming domestic wires per month, up to 25 returned deposit items per month or a deposit scan tool.
  • Overdraft protection. With Huntington’s 24-hour grace period, you have more time to make a deposit to avoid overdraft fees. But you can’t use it to waive return fees.
  • $400 bonus. Get $400 when you open a new Huntington Unlimited Business Checking account by March 07, 2022 and deposit at least $5,000 within 60 days. You must also keep the account open for at least 90 days.

What should I look out for?

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

  • 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’s footprint is limited to Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia and Wisconsin.

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.

Overdraft and returned payment$36
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.

1 - 7 of 13
Name Product Fee APY ATMs Minimum deposit to open
Live Oak Bank Small Business Checking account
Live Oak Bank Small Business Checking account
Access over 55,000 free in-network ATMs
No account opening or monthly maintenance fees. Deposit checks, pay bills & initiate transfers online.
NorthOne Business Banking
Finder Rating: 3.4 / 5: ★★★★★
NorthOne Business Banking
$10 per month
withdraw cash at any Cirrus branded ATM location (+1,000,000 locations accross the U.S + 2m worldwide), including MoneyPass ATMs

NorthOne Business Banking is an all-in-one solution for small business owners, startups and freelancers. It boasts unlimited free transactions, subaccounts, and robust bookkeeping integrations.
First Internet Bank Small Business Checking
First Internet Bank Small Business Checking
0.30% on balances of $10,000+
0.00% on balances of $0 to $9,999
Up to $10 ATM fee reimbursements a month, plus free access to the ATM Plus Network
No minimum balance and no monthly service fee. Make unlimited deposits. Get reimbursed up to $10 per month in ATM fees
Relay is a no-fee, online banking and money management platform. Relay helps you stay on top of cash flow, operating costs and team spending.
Finder Rating: 4.6 / 5: ★★★★★
$4.99 for Lili Pro
1.00% only with Lili Pro
32,000 fee-free ATMs nationwide
Small business owners and freelancers get paid up to two days early and can automatically set aside money for taxes with the Lili digital banking account.
Finder Rating: 4 / 5: ★★★★★
You can use your Found card at any ATM
This free account not only offers a place to put revenue, but also features bookkeeping, tax withholdings and payments, invoices and more. Features accessible via its app.
Chase Business Complete Banking℠
Finder Rating: 3 / 5: ★★★★★
Chase Business Complete Banking℠
$15 per month
(can be waived)
over 16,000 in-network ATMs
This Chase business checking account has built-in card acceptance using a smartphone card reader. $300 bonus offer

Compare up to 4 providers

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. Huntington charges $18 for incoming domestic wire transfers and $25 for incoming international wire transfers. Outgoing wire transfers cost $45 or $75 depending on whether they are domestic or international.
  • 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.

How to contact Huntington National Bank

You can contact support in three ways:

  • Visit a branch for in-person assistance.
  • Call 800-480-2265 any day from 7:00 a.m. to 8:00 p.m. for general help or call 800-480-2001 on weekdays from 8:00 a.m. to 8:00 p.m. or Saturdays from 8:00 a.m. to 2:00 p.m. ET.
  • Start a live chat with a customer support agent through the website by clicking on Ask Us.

Frequently asked questions

Can I get overdraft protection without a credit line?

Yes. You can link another Huntington deposit account to use for overdraft protection. Transfers are made without a fee, but money market accounts have a limited number of transfers available per month.

What is the Hub?

Huntington offers the Hub for business account holders. It includes tools, such as spending analysis, a monthly view of income and expenses, cash position and a cash flow forecast.

Does the money in my Unlimited Business Checking account gain interest?

No. Only the Unlimited Plus Business Checking account bears interest.

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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