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Huntington Unlimited Plus Business Checking review

Earn interest with unlimited transactions at this bank serving 11 states.’s rating: 2.0 / 5.0


If you own a business in one of the 11 states Huntington National Bank serves, you may qualify for the top-tier Unlimited Plus Business Checking. But there’s a $40 monthly fee.

$40 per month



Minimum deposit to open


Fee$40 per month
To waive the feeMaintain $50,000 in combined deposit relationship balances
Minimum deposit to open$0
Intro or bonus offerGet $750 when you open a new Huntington Unlimited Plus Business Checking account by March 7, 2022. You must deposit at least $20,000 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 Plus Business Checking account is best for 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. An Unlimited Plus account with Huntington also means you get to choose two out of five bonus features like a deposit scan tool, a fraud tool, two free monthly incoming domestic wires, and more.

But the account is not best for smaller businesses that can’t meet the large deposit requirements needed to avoid the $40 monthly fee. There’s also a small ATM fee on every $100 above a $25,000 limit, but you can avoid this if you choose and use the deposit scan tool feature.

How do I open a Huntington Unlimited Plus 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:

  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.


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

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

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. But the interest rate depends on your account balance and the location where you open the account. You’ll need to visit a branch for specific rates.
  • 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.
  • Overdraft relief. Huntington’s 24-hour overdraft protection, gives you time to make a deposit and avoid overdraft fees. But you can’t waive return fees.
  • $750 bonus. Get $750 when you open a new Huntington Unlimited Plus Business Checking account by March 07, 2022, and deposit at least $20,000 within 60 days. You must also keep the account open for at least 90 days.

What should I look out for?

Look out for the following when you’re considering an Unlimited Plus Business Checking account:

  • 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 Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia or Wisconsin, you’re out of luck.

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.

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
ATM outside Huntington’s network$3
Cash back at a register$0
Returned deposit$13
Wire transferVaries

Compare with other business checking accounts

Find out what competitors have to offer before signing up for an Unlimited Plus Business Checking account.

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 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 wires to and from your business account. There’s an $18 fee for incoming domestic wire transfers and $25 for incoming international wire transfers. There’s also a $45 fee for outgoing domestic wire transfers and a $75 fee for outgoing international wire transfers.
  • 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.

How to contact Huntington National Bank

Contact Huntington in one of the following three ways

  • Visit one of Huntington’s 1,100+ branches.
  • For general assistance, call 800-480-2265 any day from 7:00 a.m. to 8:00 p.m. ET. or call 800-480-2001 for business banking questions 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 on the website by clicking Ask Us.

Frequently asked questions

What are the limits to Huntington’s overdraft protection?

Transfers among money market accounts are capped each month, potentially limiting your protection if you use only one as backup.

Does the Unlimited Plus Business Checking account come with payroll services?

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.

Can I sign up for a business credit card through Huntington?

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.

Read the full methodology of how we rate checking accounts.

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