The Huntington National Bank Review: A Full-Service Regional Bank
Written by
Rudri Patel
Edited by
Melanie Grafil
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Earn a competitive APY on a Huntington Bank savings account by meeting eligibility requirements.
Huntington Bank offers several financial products, including checking and savings accounts, loans and investment options. It has customer-friendly features like 24-Hour Grace® for overdraft protection and robust digital banking tools.
Huntington Bank is a full-service bank with a strong presence in the Midwest. It has over 1,000 branches and over 1,600 ATMs in the U.S. You can expect Huntington Bank branches in Colorado, Florida, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, West Virginia and Wisconsin. GOBankingRates named it one of the Best Banks in Michigan and West Virginia, respectively, for 2025.
If you open a Huntington Bank account, you can use mobile banking, mobile alerts, and all-day deposits. Depositing through ATMs or the mobile app does not have cutoff times.
Huntington Checking Accounts
Huntington Bank offers three primary checking accounts tailored to meet specific goals: Huntington Perks Checking, Huntington Platinum Perks Checking, and Asterisk-Free Checking. It also offers a SmartInvest Checking account for investment advisory customers only.
- The three primary checking accounts do not require a monthly deposit.
- Asterisk-Free Checking has no monthly service fee.
- Huntington Perks and Platinum are interest-earning.
- Huntington Perks has a $10 maintenance fee, though this is waivable.
- Huntington Platinum has a $25 maintenance fee, but is waivable.
- Huntington Perks and Platinum accounts include credit monitoring.
Best For
Mobile App
No Minimum Deposit
Low Monthly Fees
Loan Options
Investment Services
Waivable Monthly Maintenance Fees
Huntington Bank checking accounts require no minimum opening deposit, making them highly accessible for almost anyone’s banking needs.
Fees
$10 to $25
APY
N/A
Min Opening
$0
Pros
- Asterisk-Free checking has no monthly deposit or maintenance fees
- 24-hour grace period on overdraft fees
- Credit monitoring with Perks and Platinum accounts
- FDIC-insuredÂ
Cons
- Limited branch availability
- Minimum balance on Perks and Platinum is high for earning interest and waiving fees
- Interest-bearing checking accounts may have lower APYs than competitors
Quick Take
Huntington’s checking accounts have a range of options, including those who want hassle-free checking and others who wish to be rewarded for high balances.
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Huntington Bank Savings Accounts
You get two primary savings account choices at Huntington: Relationship Savings and Premier Savings. Both carry monthly maintenance fees that can be waived — the $4 Premier Savings fee is waived when you maintain a $300 minimum daily balance or have an eligible checking account. The $10 Relationship Savings fee is waived when you maintain an average daily balance of $2,500 or have an eligible checking account.
- Relationship Savings requires $2,500 to open.
- Premier Savings requires $50 to open.
- The monthly maintenance fee is $4 for Premier Savings, but is waivable if you have a Huntington Checking account or $300 available daily balance.
- The monthly maintenance fee is $10 for Relationship Savings, but is waivable if you have a balance of $2500 or a Huntington Checking Account.
- Premier Savings earns APY.
- Relationship Savings earns to APY based on linked accounts.
Best For
Mobile App
No Minimum Deposit
Low Monthly Fees
Loan Options
Investment Services
Wide Range of APY Offerings
You can waive Huntington Bank’s savings accounts monthly maintenance fees, which may be practical to maintain your savings without an added cost.
Fees
$4 to $10
APY
Up to
Min Opening
$50
Pros
- Low minimum deposit for Premier Savings
- Waivable fee option
- 24-hour grace period on overdraft fees
Cons
- Low APYs
- Limited physical locations
- Balance requirements are high to be entitled to a waiverÂ
Quick Take
Huntington Bank’s savings accounts provide accessible options with user-friendly digital tools and opportunities to waive monthly fees through account relationships or maintaining certain balances. However, the relatively low interest rates may not appeal to those seeking higher returns on their savings.
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Huntington Bank CD Accounts
Huntington Bank offers many certificates of deposit options, with term lengths ranging from one month to 72 months. Fixed-rate CDs require a $1,000 minimum to open and jumbo fixed-rate CDs require a $100,000 minimum.
- Standard CDs are available from five to nine months.
- Jumbo CDs are available from one week to five years.
- Jumbo CDs are available with a minimum deposit of $100,000.
- APYs increase based on a relationship with linked accounts.
- Interest rates are fixed for the entire term.
Best For
Mobile App
No Minimum Deposit
Low Monthly Fees
Loan Options
Investment Services
Competitive Promotional Rates
Huntington Bank’s promotional CD rates are competitive, offering higher returns compared to standard rates for select terms.
Fees
No monthly service fee
APY
on 5-month promo CD
Min Opening
$1,000
Pros
- Promotional rates are generally higher and competitive
- FDIC insuredÂ
- Minimum deposit is $1,000Â
Cons
- Early withdrawal penalties
- CDs can only be opened in person
- Non-promotional CD rates are generally lower than the national average
Quick Take
Huntington Bank has varying CD terms, including its standard and jumbo CDs. Promotional rates are more competitive than standard rates. The requirement that individuals open their CDs in person may be a bar for those who prefer to do their banking online.
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Huntington Bank Money Market Accounts
Huntington Bank has three money market accounts: Huntington Relationship Money Market, Huntington Smart Invest Money Market and Huntington Money Market IRA accounts. Huntington Relationship Money Market requires a balance of at least $25,000 to earn interest. The $25 monthly service fee can be waived with an average daily balance of $25,000 or when linked to a Huntington Perks Checking or Huntington Platinum Perks Checking account.
- To earn a competitive APY on a Relationship Money Market Account, you need a daily balance of $25,000. APY can range up to .Â
- APYs on the Relationship Money Market increase if you have another account
- Smart Invest Money Market requires no minimum deposit, but you must have a Smart Invest Checking Account. APY can be up to
- No monthly service, overdraft, ATM, wire, or money movement fees with a Smart Invest Money Market Account
- Money Market IRA account has no monthly service fee
- A minimum of $1 deposit to open a Money Market IRA account
Best For
Mobile App
No Minimum Deposit
Low Monthly Fees
Loan Options
Investment Services
Fee-Free Options
Huntington Bank offers three money market accounts, including high-yield options and a retirement account.
Fees
No monthly service fee
APY
As high as
Min Opening
$1
Pros
- Higher APYs compared to savings accountsÂ
- FDIC-insured
- Check writing privileges and easy access to ATMs
Cons
- High minimum balance requirement of $25,000 to earn any interest
- The $25 monthly maintenance fee can be burdensome if you don’t meet waiver requirements
- Limited availability-Smart Invest Money Market is only available to those who have a Smart Invest Checking AccountÂ
Quick Take
Huntington Bank offers three different money market accounts with easy access to funds. Money market funds suit individuals with higher balances or a relationship with their bank accounts.
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Banking Experience
The quality of your experience with Huntington National Bank depends on several factors, including customer service, the availability of branch locations, and ease of access to online and mobile services.
Huntington Bank’s customer service page is dedicated to answering questions and helping you understand its products and services, and it offers the option of asking questions using the automated assistant. You can also reach out via the bank’s pages on Facebook and X, formerly known as Twitter, which are linked on the website’s customer service page, as is a branch locator. If you want to speak to a live person, the general customer service line is open seven days a week, 13 hours a day, giving you plentiful access to an agent.Â
Most customers should find the Huntington Bank website easy to navigate and find information about products and services. Digital banking users can access budgeting tools, an auto-save feature, and real-time insights on spending and saving. The mobile app gets 4.8 stars on Google Play and 4.8 stars on the App Store.
Products and Services Offered
Huntington could be your bank if you want to keep all your financial services under one roof. In addition to a robust selection of banking products, Huntington offers credit cards that earn cash back or points — or feature a lower interest rate.Â
You can also turn to Huntington for personal and auto loans and a personal line of credit for small loans of $100 to $500. Mortgage loans include purchase and refinance loans, home equity loans, and lines of credit.
Huntington Bank advisors can help you prepare for major financial milestones, manage your wealth through customized investment strategies, and mitigate risk with home, motor vehicle, and life insurance products.
Private banking provides additional solutions for individuals with high net worth. Boutique lending, alternative mortgage options, and a personal line of credit secured by your Private Bank investments are just a few of the benefits Huntington offers its private banking clients.
How Does Huntington Bank Compare to Other Banks?
Before choosing a bank, it helps to know how it compares to others in the industry. Here is how Huntington stacks up against some of its competitors.
SELECTED BANK
MOST COMPARABLE
MOST COMPARABLE
Fees
Fees
Fees
$10 to $25
$0
No monthly fees
APY
APY
APY
N/A
Min Opening
Min Opening
Min Opening
$0
$0
$0
SELECTED BANK
MOST COMPARABLE
MOST COMPARABLE
Fees
Fees
Fees
$4 to $10
$0
No monthly service fee
APY
APY
APY
Up to
Up to
Min Opening
Min Opening
Min Opening
$50
$0
$0
SELECTED BANK
MOST COMPARABLE
MOST COMPARABLE
Fees
Fees
Fees
No monthly service fee
No monthly service fee
Early withdrawal penalty may apply
APY
APY
APY
on 5-month promo CD
Up to
Up to
Min Opening
Min Opening
Min Opening
$1,000
$0
$500
SELECTED BANK
MOST COMPARABLE
MOST COMPARABLE
Fees
Fees
Fees
No monthly service fee
$0
$5 monthly fee with paper statements
APY
APY
APY
As high as
Min Opening
Min Opening
Min Opening
$1
$0
$100
Huntington Bank vs. Bank of America
Bank of America, Member FDIC, offers thousands of branches in the U.S., making it the better option if you intend to travel outside your area and need access to physical branches elsewhere. Huntington National Bank gets the edge for offering at least one completely fee-free checking account, which Bank of America doesn’t offer.
Huntington Bank vs. Regions Bank
Regions Bank offers incentives like an annual savings bonus, which you won’t find at Huntington. But unlike Huntington, Regions doesn’t offer completely fee-free options on its primary checking accounts. Â
Huntington Bank vs. SoFi®
SoFi is exclusively online, while Huntington Bank has a few physical branches in select states. SoFi offers high-yield savings accounts and checking accounts with no fees. SoFi will likely appeal to those who are more tech-savvy and don’t feel the need for in-person banking. Huntington Bank offers relationship banking benefits and the chance to cater to customers in person.Â
Final TakeÂ
Huntington Bank is worth considering if you live in its service area and are looking for numerous accounts and services within one bank, along with access to over 1,000 branch locations. The main downside is that unless you take advantage of promotional rates, you won’t get high APYs on deposit accounts as you would from an online high-yield banking option.Â
Huntington National Bank FAQ
Here are the answers to some commonly asked questions about Huntington Bank.- What products and services does Huntington Bank offer?
- Huntington Bank offers checking, savings, money market accounts and CDs. It also offers loans, investments and insurance.
- What fees does Huntington Bank charge?
- Huntington Bank doesn’t charge any fees on its Asterisk Checking Account. However, a $10 fee on Perks Checking can be waived, and a $25 fee on Platinum Perks Checking can be waived. The savings account has a monthly maintenance fee of $4 unless you keep a daily balance of $300 when linked to an eligible Huntington checking account. Stop payments, overdrafts, non-Huntington ATM and wire transfer fees exist.
- What is the minimum balance to avoid fees at Huntington Bank?
- Huntington Bank has several accounts that require minimum balance requirements ranging from $300 to $25,000.
- Is Huntington Bank a good bank?
- Huntington Bank offers a comprehensive set of financial products and FDIC-insured funds.
Daria Uhlig, Caitlyn Moorhead, Cynthia Bowman and Claire Tak contributed to the reporting for this article.
Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Dec. 11, 2024.Â
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
