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Huntington Unlimited Plus Business Checking review

Rhys Subitch

Last updated: Apr 27, 2020

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 you must keep at least $50,000 across all Huntington accounts to avoid the $40 monthly fee.

$40 per month

Monthly fee

Monthly fee	$40 per month
To waive the fee	Maintain $50,000 in combined deposit relationship balances
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 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 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.

But the account is not best for smaller businesses that can’t meet the large deposit requirements. Its branches are also limited to seven states and there’s no online assistance.

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.
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.

Name	Monthly fee	Minimum deposit to open	ATMs
Novo	$0	$50	Novo doesn't charge ATM fees and will reimburse any non-network fees you incur	A low-fee online checking account designed for small businesses and startups, but you won’t be able to deposit cash. Get $25 when you sign up. Conditions apply.	Go to site More Info	Compare	loading Fetching your data...
Axos Bank Basic Business Checking	$0	$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	$10 per month	$100	More than 20,000 ATMs + unlimited ATM surcharge rebates	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?

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.
Select a location on the map for details.

Eligibility

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

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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Huntington Unlimited Plus Business Checking review