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Huntington Unlimited Business Checking review

Rhys Subitch

Last updated: 27 January 2020

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

APY

Monthly fee	$20 per month
To waive the fee	Maintain $10,000 in combined deposit relationship balances
Intro or bonus offer	Open an Unlimited Business Checking account, earn $300. Conditions apply
ATMs	Free at more than 1,800 ATMs across the Midwest
Out-of-network ATM fee	$3
Overdraft fee	$37.50

Deposit methods	Ways to deposit
Cash	Cash by teller	Cash by ATM
Check	Check by teller	Check by ATM	Mobile/remote check deposit
Transfer	Bank transfer	Wire transfer	Direct deposit

Expert review

Review by

Rhys Subitch

rhys.subitch@findercrew.com

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.

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.

Fee	Amount
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 transfer	Varies

Compare with other business checking accounts

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

Name	Minimum deposit to open	ATMs	Out-of-network ATM fee
Chase Total Business Checking	$0	16,000 Chase ATMs and nearly 4,900 branches	$0	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.	Go to site More Info	Compare	loading Fetching your data...
Axos Bank Basic Business Checking	$1,000	ATM fees reimbursed at any ATM nationwide		No monthly maintenance fees, a low minimum deposit requirement and unlimited domestic ATM fee reimbursements.	Go to site More Info	Compare	loading Fetching your data...
Radius Bank Tailored Checking	$100	More than 20,000 ATMs + unlimited ATM surcharge rebates	$0	with Tailored Checking get free ATMs worldwide and unlimited penalty-free transactions.	Go to site More Info	Compare	loading Fetching your data...

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:

Go to the Huntington National Bank website and select Find a branch at the top of the page.
Enter your ZIP code or address or select Use current location and Go.
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.

Business Type	Required documents
Sole proprietor	Two forms of government-issued ID, such as a state identification card, driver’s license or passport Social Security number Employer Identification number, if you have one Verification of the business’s address, such as a utility bill or vehicle registration Legal certificate showing the operating name of the business, if different from the legal name
General partnership	One form of government-issued ID, such as a state identification card, driver’s license or passport, for each general partner Employer identification number Verification of the business’s address, such as a utility bill or vehicle registration Legal certificate showing the operating name of the business, if different from the legal name Either a legal partnership agreement or government-issued business license Controlling parties and beneficial owners of 25% or more will need to provide additional information Two or more general partners must be present to open the account
Limited partnership	One form of government-issued ID, such as a state identification card, driver’s license or passport, for each general partner Employer Identification number (EIN), if you have one Verification of the business’s address, such as a utility bill or vehicle registration Legal certificate showing the operating name of the business, if different from the legal name Registered certificate of legal partnership Legal partnership agreement Controlling parties and beneficial owners of 25% or more will need to provide additional information Two or more general partners must be present to open the account
Limited liability company	Two forms of government-issued ID, such as a state identification card, driver’s license or passport, of the sole member LLC Social Security number Employer Identification number Verification of the business’s address, such as a utility bill or vehicle registration Legal certificate showing the operating name of the business, if different from the legal name Registered articles of organization Operating agreement that lists the names of members and manager, if applicable Controlling parties and beneficial owners of 25% or more will need to provide additional information Unless the entity is a sole member LLC, at least two LLC members or manager must be present to open the account
Limited liability partnership	One form of government-issued ID, such as a state identification card, driver’s license or passport, for each authorized signer Employer Identification number Verification of the business’s address, such as a utility bill or vehicle registration Legal certificate showing the operating name of the business, if different from the legal name Registration of limited liability partnership Limited liability partnership agreement Controlling parties and beneficial owners of 25% or more will need to provide additional information All limited liability partnership partners must be present to open the account
Corporation	One form of government-issued ID, such as a state identification card, driver’s license or passport, for each authorized signer Employer identification number Verification of the business’s address, such as a utility bill or vehicle registration Legal certificate showing the operating name of the business, if different from the legal name Registered articles of incorporation Limited liability partnership agreement Controlling parties and beneficial owners of 25% or more will need to provide additional information At least two officers of the corporation must be present to open the account
Associations and organizations	By-laws, charter, constitution or other document that provides the rules and regulations for the association or organization Employer Identification number Verification of the business’s address, such as a utility bill or vehicle registration Legal certificate showing the operating name of the business, if different from the legal name At least two representatives identified in the governing document must be present to open the account

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

Checking account ratings

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★★★★★ — 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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Huntington Unlimited Business Checking review