We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias.
But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.
Huntington Unlimited Plus Business Checking review
Earn interest with unlimited monthly transactions at this bank serving the Midwest.
finder.com’s rating: 2.0 / 5.0
★★★★★
If you own a business in one of the seven Midwest states Huntington National Bank serves, you may qualify for the top-tier Unlimited Plus Business Checking. But watch for large deposit requirements and a preference for digital deposits.
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
Review by
Rhys Subitch
Huntington’s Unlimited Plus Business Checking account targets large, established businesses with healthy monthly transactions that can support a large account balance. Standard business perks come with the ability to earn interest on your balance with no limit on your transactions.
But branches are limited to seven states and there’s no online assistance.
Expert review
Huntington’s Unlimited Plus Business Checking account targets large, established businesses with healthy monthly transactions that can support a large account balance. Standard business perks come with the ability to earn interest on your balance with no limit on your transactions.
But branches are limited to seven states and there’s no online assistance.
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.
What are the benefits of business checking with Huntington National Bank?
The Huntington Unlimited Plus Business Checking account includes:
Earn interest on your balance. This is the only interest-bearing account in Huntington’s business checking suite.
Unlimited transactions. You can make as many transactions as you need each month.
Bonus services. Choose two of five bonus services: a deposit scan tool, 10% Paychex discount, fraud tool, two complementary incoming domestic wires a month and 25 returned-deposit items a month.
What should I look out for?
Look out for the following when you’re considering an Unlimited Plus Business Checking account:
Monthly maintenance fee. Huntington waives the $40 monthly fee if balances among your business deposit accounts exceed $50,000.
In-person or ATM deposit fee. You’re encouraged to use the deposit scan tool for cash or check deposits to your account, which allows you to skirt the 30 cent fee on every $100 above a $25,000 limit for deposits at branches or ATMs.
Limited locations. If you don’t live in Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania or West Virginia, you’re out of luck.
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 a bank with more locations and support options, you’ll want to keep looking. As always, compare your options when looking for a business checking account.
Huntington National Bank’s ATM network and fees
According to the Huntington National Bank website, there are more than 1,800 ATMs in its network and nearly 1,000 branches.
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
ATM outside Huntington’s network
$3
Cash back at a register
$0
Returned deposit
$13
Wire transfer
Varies
Compare with other business checking accounts
Find out what competitors have to offer before signing up for an Unlimited Plus Business Checking account.
How do I open a Huntington Unlimited Business Checking account?
You’ll need to find the nearest Huntington National Bank to open an account. To find your nearest branch, follow the steps below:
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.
To apply for an Unlimited Plus Business Checking account, you must meet requirements that include:
At least 18 years old
Valid Social Security number
Business located within Huntington National Bank’s service area
Required information
The documentation you’re required to submit varies 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, 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 with Huntington National Bank, including:
ATMs. Check your balance, make withdrawals and deposit cash and checks.
ACH transfers. Electronically send funds to and from your account using ACH transfers.
Wire transfers. Send and receive funds through a wire transfer. Each outgoing wire will cost a fee.
Mobile app. Pay bills and make check deposits and ACH transfers.
What other business checking options does Huntington National Bank offer?
Other business checking accounts offered by Huntington include many of the same benefits of Unlimited Plus, though with increasing limitations:
Unlimited Business Checking. Take advantage of the perks of Unlimited Plus with the choice of only one bonus service.
Business Checking 100. Limits monthly transactions to 100 and 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. Transfers among money market accounts are capped each month, potentially limiting your protection if you use only one as backup.
No. You can pay a fee to integrate Paychex with your account to manage your payroll. If you choose Paychex as one of your bonus services, you’ll get a 10% discount on the fee.
Yes. Each of Huntington’s business checking accounts come with a free Huntington Debit Mastercard BusinessCard that comes with zero liability, travel assistance, a concierge service, ID theft resolution services and acceptance worldwide.
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.
How likely would you be to recommend finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Advertiser Disclosure
finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.
Huntington National Bank
