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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.
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Expert Review
Review by
Rhys Subitch
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.
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.
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.
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.
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.
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
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.
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.
No. Only the Unlimited Plus Business Checking account bears interest.
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Huntington National Bank
