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.
Maintain $10,000 in combined deposit relationship balances
Minimum deposit to open
$0
Intro or bonus offer
Get $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.
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:
Go to the provider’s site and follow the steps to apply.
From the Huntington National Bank website, 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
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.
Fee
Amount
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 transfer
Varies
Compare with other business checking accounts
Find out how the Huntington Unlimited Business Checking account stacks up against other providers.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
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.
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